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Amex Sync offer ToysRUs.com & BabiesRUs.com $15 cashback on $75 spend
Added on : Sunday November 23rd 2014 09:00:20 PM
g: 0 Posted By: starcrossed
Views: 146 Replies: 0 Warning for those of you interested in buying their giftcards. Be very careful. On more than one occasion, TRU has deactivated my card for no reason. Lucky i had the receipts (doesnt make sense - they are GIFTcards) that I had to show them to get them to activate the cards again.



toysrus.com & babiesrus.comSpend $75+, get $15 back OnlineExpires:12/31/2014DetailsGet a one-time $15 statement credit by using your enrolled Card to spend a total of $75 or more online at toysrus.com & babiesrus.com by 12/31/2014.TermsOffer only valid online at toysrus.com and babiesrus.com. Offer not valid in-store or on catalog purchases. All other brands, including FAO Schwarz, eToys.com, and KB are excluded. Breast Pump Solutions purchases are excluded. Purchases made at 3rd party websites and Toys R Us international sites are excluded. Orders placed online but paid for in-store are excluded. Enrollment is limited. Must add offer to Card and use same Card to redeem. Limit 1 statement credit per American Express Card across all American Express offer channels. If American Express does not receive information that identifies your transaction as qualifying for the offer, you will not receive the statement credit. For example, your transaction will not qualify if it is not made directly with the merchant. In addition, in most cases, you will not receive the statement credit if your transaction is made with an electronic wallet or through a third party or if the merchant uses a mobile or wireless card reader to process it. If you order an item during the offer period but it is not sent to you until after 12/31/14, it may not count towards determining whether your purchase qualifies for the offer. Statement credit will appear on your billing statement within 90 days after 12/31/14, provided that American Express receives information from the merchant about your qualifying purchase. Note that American Express may not receive information about your qualifying purchase from merchant until all items from your qualifying purchase have been provided/shipped by merchant. Statement credit may be reversed if qualifying purchase is returned/cancelled. POID: BN79:0001
Toys & Hobby Deals

Babies R Us Coupons
Hisense 50H3 50" Class 1080p LED TV Roku Ready - $299.97 after coupon
Added on : Saturday November 22nd 2014 09:03:32 AM
Save 100.00 with coupon code DAE146977 at checkout. Normally 399.97 before coupon.Now 299.97 after coupon.Offer ends Nov 25 2014 12:00AM
g: 0 Posted By: Gauss44
Views: 39 Replies: 0 In short, Sallie Mae ruined my credit with a few inaccurate reports of 60 days late. Sallie Mae customer service has been telling me that they will fix the problem since September. I sent letters to the credit bureaus to dispute this twice. No results, errors still on reports. I am thinking about suing either Sallie Mae and/or the credit bureaus. I would appreciate any help with this. (No collection agency is involved.)

Detailed version is below, but probably not necessary.

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

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

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

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

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

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

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


Credit Deals
Hisense 50" Class 1080p LED TV -- $299.97 AC + FS at TigerDirect
Added on : Friday November 21st 2014 06:00:08 AM
g: 0 Posted By: ragingwookiee
Views: 123 Replies: 0 Hisense 50" Class 1080p LED TV -- $299.97 AC + FS at TigerDirect

Apply promo code DAE146977 at checkout.

50" Class; great addition to your home theater or entertainment room
1920 x 1080 resolution; displays all images with excellent clarity
2 HDMI Ports; connect your Game console, DVD/Blu-Ray Player, Satellite TV and more

LED TV Deals

Tiger Direct Coupons
g: 0 Posted By: lyubomirb
Views: 291 Replies: 2 Hisense Sero 7 PRO M470BSA 8GB Flash 7.0" Tablet
Link

Rebate


-$9.00 Coupon code: EMCWWPH33

Total = $60.99

Great Value Nexus 7 Killer !
Has Micro SD slot up to 32GB
Mini HDMI Output
NFC Capable
Bluetooth (Of Course)

Android Tablets Deals

Newegg Coupons
g: 0 Posted By: lyubomirb
Views: 208 Replies: 1 Hisense Sero 7 PRO M470BSA 8GB Flash 7.0" Tablet
Link

Rebate


-$9.00 Coupon code: EMCWWPH33

Total = $60.99

Great Value Nexus 7 Killer !
Has Micro SD slot up to 32GB
Mini HDMI Output
NFC Capable
Bluetooth (Of Course)

Android Tablets Deals

Newegg Coupons
New Arrivals: Proenza Schouler - PS11 Classic Shoulder Bag
Added on : Thursday November 20th 2014 09:02:09 AM
PS11 Classic Shoulder Bag crafted in smooth leather, is a hybrid with the practical sense of the PS1 crossed with the modern elegance of the Elliot that is perfect for day and night. Featuring flap front with metal turn lock closure and inverted pyramid detail, detachable adjustable shoulder strap, front flap pocket, buckled front tabs, zip back pocket, internal zipped pocket and gold tone hardware detail. Signature dust bag included. Made in Italy.
New Arrivals: Proenza Schouler - PS11 Mini Classic Shoulder Bag
Added on : Thursday November 20th 2014 09:02:09 AM
PS11 Mini Classic Shoulder Bag crafted in smooth leather, is a hybrid mini with the practical sense of the PS1 crossed with the modern elegance of the Elliot that is perfect for day and night. Featuring flap front with metal turn lock closure and inverted pyramid detail, detachable adjustable shoulder strap, front flap pocket, buckled front tabs, internal zipped pocket and gold tone hardware detail. Signature dust bag included. Made in Italy.
Medical billing dispute - lab ran tests a year later that were not needed
Added on : Wednesday November 19th 2014 12:00:12 PM
g: 0 Posted By: seekay44
Views: 81 Replies: 0 Have had a high-deductible plan w/ an HSA for the last few years.
Last year I had some sort of an allergic reaction to something, which showed up as a red rash on my forearms. Went to my family practice (Scripps Clinic), saw Dr. J who ordered a panel of allergy tests but also gave me a steroid and asked me to take Bendryl. If the rash didn't go away in a day or two, I was to go to the lab and get those tests done. The rash went away, and so I didn't go down to the lab.

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

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

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

I'm going to try and negotiate with them and see if I can get the bill reduced. From past experience, doctor's offices don't budge once I've received an EOB as they claim its the "negotiated" rate. What else should I try? Would prefer it doesn't end up in collections as that would impact my credit report and I'm looking to buy a house in the next year or two.
Question Deals
g: -1 Posted By: CltrAltDelicious
Views: 151 Replies: 0 http://www.groupon.com/deals/gg-4-pack-of-degree-deodorant-for-m...

4-pack of Sheer Powder Invisible Solid Deodorant for women (1.6 oz. each)
4-pack of Body Heat Activated Cool Rush Deodorant Stick for men (1.7 oz. each)
4-pack of Sport Invisible Solid Deodorant Stick for men (2.7 oz. each)

Degree DeodorantWhether in the last moments of a basketball game or the first bites of a green curry, Degree deodorant senses when the body is heating up. An antiperspirant works to keep underarms dry, while a deodorant releases pleasant aromas.

Deodorant and antiperspirant
Activated by body heat
Womens deodorant has a sheer-powder scent
Mens deodorant goes on clear
g: 0 Posted By: megajwall
Views: 177 Replies: 0 http://www.homedepot.com/p/Fire-Sense-46-000-BTU-Mocha-and-Stain...

Coupon Code -HDSNEAK20
Sports & Outdoors Deals

Home Depot Coupons
High Deductible versus Traditional
Added on : Monday November 17th 2014 01:00:15 PM
g: 0 Posted By: akollman
Views: 64 Replies: 0 I am having a hard time deciding what makes sense. Open enrollment is 1/1/15. I am currently on the High Deductible ("HD")plan. I am 4.5 months pregnant and due in April 2015. Since they cannot discriminate for a pre-existing condition, I can elect to change to the Traditional plan ("PPO")during open enrollment if I wish.

here are the two plans compared (Single as my husband is on his own):

HD w/ HSA account option:

Monthly premium: $122 ($1,464 annually)
Deductible: $3,000
OOP Limit: $4,000
Physician & office services: 0% co-pay (after deductible)
Emergency and Urgent: 0% co-pay (after deductible)
(pretty much everything - 0%)

Traditional:

Monthly premium: $211 ($2,532 annually)
Deductible: $500
OOP Limit: $3,000
Physician Home and Office: $20 co-pay
Emergency and Urgent: $200/20% co-insurance
pretty much everything else (hospitalization, etc) - 20% co-insurance

In terms of 2015 and what makes sense, it almost seems like it would be the same either way. If I pick the HD, I will be paying $1k less in premiums over the course of the year, but OOP max is $1k more. Am I comprehending this correctly? I making the assumption that my hospitals bills etc. will exceed $30k before any insurance kicks in. I think I need someone to explain to me how the 20% co-insurance works and how the $500 deductible is factored into the mix.

My other question - any repercussions for after the baby is born? We want to put the baby on my plan as my husband is self employed and does not receive the benefit of employer fringe benefits (besides the benefit of a tax deduction). So, once the baby is born, does the clock start over on the deductible since I would be essentially switching from a SINGLE-PLAN to a FAMILY-PLAN?
New User Question Deals
g: 0 Posted By: remick
Views: 40 Replies: 0 http://www.amazon.com/dp/B009G1PI2E/

4.4 out of 5 stars (124 customer reviews)

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

More than just offering a set of techniques, Bechtle offers a new perspective that will change readers' lives as they deal with those difficult people who just won't go away.
Books & Magazines Deals

Amazon Coupons
Free - Stayfocused Pro (Windows)
Added on : Sunday November 16th 2014 04:00:10 AM
g: 0 Posted By: remick
Views: 93 Replies: 0 http://www.topsoftbargains.com/w/stayfocused-pro-discount-coupon...

Why Stayfocused?
What makes Stayfocused so unique, and unlike any other time management software on the market today?

WORK WITH TIME
Stayfocused teaches you to work with time, rather than struggling to counter it. Stayfocused is a revolutionary time management software that is at deceptively simple to learn and life-changing to use. No longer does time have to be the enemy, or something we race against to complete tasks and meet deadlines.

ELIMINATE BURNOUT
Stayfocused helps in dividing a large task into several smaller tasks, and within the task set times to rest. Completing several small tasks in order to complete the larger task gives a sense of accomplishment, eliminating burnout, and encourages us to stay focused. Its a bit like an agile project management approach.

MANAGE DISTRACTIONS GET MORE FOCUS
Whether it is a call, or a facebook message, suddenly remembering your vehicle needs refueling; many things distract and delay your progress. Stayfocused helps you track and manage each items priority to know what to accomplish and what can wait.

CREATE A BETTER WORK/LIFE BALANCE
Being productive every day Stayfocused helps to eliminate procrastination and guilt. This can lead to truly enjoying the free time we have when we know we have completed necessary tasks. Stayfocused helps you build an effective schedule, so you get a balance of work and rest.

How it works?

Write a to-do list
Decide on the task to be done
Set the pomodoro timer to n minutes (traditionally 25)
Work on the task until the timer rings; record with an x
Take a short break (3-5 minutes)
Every four pomodori take a longer break (1530 minutes)
How can it help you?

Reduces the time anxiety
Enhances concentration and attention, reducing interrupt
Enhanced making sense
Wakes incentives and lasting incentives
Determination to achieve the goal of consolidating
Learning process improvements
Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 105 Replies: 0 40" screen (measured diagonally from corner to corner)
A good size for a living room, or if you want a larger bedroom TV.
LED displays perform well in all lighting conditions
They also deliver plasma-like deep blacks and rich colors.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
60Hz refresh rate
Images refresh 60 times per second for basic performance during fast-motion scenes.
Built-in Roku smart platform delivers access to a world of entertainment
Stream from Netflix, YouTube, Hulu Plus, or choose from more than 1,000 other streaming channels.
Easily search across top streaming channels
Roku Search lets you browse aggregrate content by title, actor or director, all from a single location. Use your mobile device and the Roku app (download required) for convenient handheld search.
Send videos from your smartphone or tablet to your TV
Roku Cast makes it easy to play content found on your mobile device on your TV, so you can view photos and videos and listen to music.
Manage the viewing experience for your kids
The built-in V-chip lets you block content based on program ratings and check ratings of unfamiliar programs.
3 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable not included.
USB input
Easily connect your digital camera, camcorder or other USB device.

www.bestbuy.com/site/hisense-40-class-40-diag--led-1080p-smart-h...
LED TV Deals

Best Buy Coupons
Hisense 50H3 50" Class 1080p LED TV Roku Ready - $349.97 after coupon
Added on : Friday November 14th 2014 09:03:00 AM
Save 50.00 with coupon code JMC146035 at checkout. Normally 399.97 before coupon.Now 349.97 after coupon.Offer ends Nov 17 2014 12:00AM
Best Health Insurance For Traveling Consultant - No Out Of Network?
Added on : Thursday November 13th 2014 05:00:04 PM
g: 0 Posted By: itconsult
Views: 136 Replies: 2 Long time lurker, first time poster. IT Consultant making $250k/year. Single, mid-30s, no children, no medical problems, reasonably healthy. I've been going with high deductible HDHP for several years at around $100/month for a $6k deductible and happy with it. In 2015, the price goes up to $320/month for the same coverage. No political commentary necessary, we all know what's going on.

I decided that at $320/month, this coverage is absolutely not worth it. It only covers out-of-network claims at 50% of the cost, above my $6k deductible. My residence is Florida but I am only home a total of 30 to 60 days per year and travel around the country to various places the other 300+ days. It makes no sense for me to maintain this insurance at the new price. I'm either going to drop insurance entirely or I'm going to upgrade to a better plan that covers out-of-network at a better rate. Statistically, the chances are if something happens, it will happen when I'm out-of-network and it will be some kind of trauma or acute medical situation that requires an emergency room visit and hospitalization. It's much less likely I'll get brain cancer and quit my job and do treatment in Florida, although possible.

I don't mind the $6k deductible because I have $15k in my HSA and 9 months living expenses in a series of rewards checking accounts (thanks FWF!). I do mind the 50% coverage for out-of-network. As I did some preliminary research today, I found that most insurance companies don't advertise their out-of-network coverages and only display their in-network coverage on their website. So it's difficult to see what actually is covered by out-of-network without requesting additional information. Hell, I wouldn't mind a $20k deductible insurance. I just don't want to be stuck with a $1M+ medical bill that my insurance only covers 50% because I got hit by a bus while working outside of Florida.

Any suggestions? Also considering some kind of disability insurance. I'm a 1099 and at a previous W2 position, they offered disability insurance for $5 a paycheck and the employer didn't cover any of it so I imagine it's something that can be had for $20/month or so. Might be worth having given my $250k salary although perhaps it scales in price so maybe it would be much more expensive and not worth it given the low liklihood I'll need it and the fact that I have a generous cash buffer (with several years living expenses saved in various I-Bonds, 401ks, IRAs, etc) and no dependants.

There must be some insurance that caters to people who travel a lot. Ideally with very high deductibles.
New User Question Deals
g: 0 Posted By: remick
Views: 235 Replies: 1 http://www.amazon.com/gp/product/B007CKXFB2/

This book is for all those persons, who desire prosperity, success, knowledge, pleasure and need practical solutions to their practical problems.
The general reader, as well as the scholar, will find this book eminently readable. Within these pages, an easy rendering in English is presented, of the thirteenth book of the Mahabharata. The various questions troubling Yudhishthira and the answers given by Bhishma, comprise the content of this book. These questions are universal in nature; hence, the appeal of this book is universal and equally so, is the effectiveness of the answers.
Rajen Jani's translation is sound and his insights on Shri Shiva Sahasranama Stotram and Shri Vishnu Sahasranama Stotram are extremely illuminating. The easy translation in English, without any complex diacritical marks for Sanskrit words, enables readers to recite the chants effortlessly.
This book shows how righteousness, wealth, pleasure and liberation may be attained. After reading this book, the ignorant shall become wise, the weak shall become powerful and the poor shall become wealthy. The trapped shall find a way out, the losers shall become winners and the downtrodden shall become eminent. The confused shall gain clarity, the restless shall find peace and the sinners shall gain redemption.
Without any doubt, readers shall indeed find this book to be their true friend, philosopher and guide.



also free


The Rmyan of Vlmki
http://www.amazon.com/The-R%C3%A1m%C3%A1yan-V%C3%A1lm%C3%ADki-eb...

Most Helpful Customer Reviews
70 of 72 people found the following review helpful
4.0 out of 5 stars epic poetry at its best December 27, 2007
By Sawyer
Format:Hardcover
This book is a meticulously translated tale of ancient India, with all of the greatest elements of a great story thrown in - treachery, redemption, adventure, murder, passionate love, family dynasties, greed, etc. If you can read above a sixth-grade level, this book will richly reward every moment you spend with it. Thrones are toppled and regained, love is experienced in all of its richness and despair, and the adventures the hero has to live through are guaranteed to keep you on the edge of your seat. All kinds of demons and monsters are fought and conquered. Yes, the translation is old-fashioned, but so beautiful that only the most determinedly modern reader will balk at reading it. It is well worth the time and thought that it will require.



Vachanamrut
http://www.amazon.com/Vachanamrut-Bhagwan-Swaminarayan-ebook/dp/...

The Vachanamrut of Bhagwan Swaminarayan is the most sacred and foundational scripture of the Swaminarayan Sampraday. It contains the profound wisdom of the Vedas, Upanishads, Brahmasutras, Bhagvad Gita, Bhagvat Purana, Dharma shastras like Yagnavalkya Smruti, Vidurniti, and epics like the Ramayan and Mahabharat (Vachanamrut Gadhadha II-28). Bhagwan Swaminarayan says in Gadhadha II-28, "What is this discourse which I have delivered before you like? Well, I have delivered it having heard and having extracted the essence from the Vedas, the shastras, the Purans and all other words on this earth pertaining to liberation."

The Vachanamrut is the essence of ancient Indian wisdom as told by Bhagwan Swaminarayan and compiled by his five contemporary scholarly-sadhus who were known for their asceticism and scholarship in Sanskrit, besides their devotion to him. In fact every statement of the Master is packed with and based on His in-depth religious knowledge, spiritual insights and practical experience. It contains practical and philosophical answers to the sincere enquiries of all types of aspirants regarding life in this world and the life hereafter.



Chakras: Beginners Guide! Center Your Life Force and Use Chakras for Healing, Balancing, Meditation, and Clearing
http://www.amazon.com/Chakras-Beginners-Balancing-Meditation-Cle...

Each and every living being is infused with a universal energy that nourishes and connects life. You will learn how to use that energy to improve your life and take your consciousness to higher levels
This energy field is made up of the aura (which manifests itself in seven layers) and the chakra system (which comprises of the seven major chakras.) Read on to figure out how to harness this power to completely transform your life.

Below is a preview of what you are going to learn
- Why You Should Read This Book
- So, What Are Chakras?
- The Seven Chakras
- Myths Related to Chakras
- The Concept of Life Force Energy
- More on Chakras: Symbolic Representation
- Chakras and Mindfulness
- Balancing Your Chakras
- Chakra Mudras
- Chakra Chants




Chakra Series 1 (Book 2) - Sacral Chakras
http://www.amazon.com/Chakra-Series-Book-Sacral-Chakras-ebook/dp...

This book is a simple introduction to the sacral chakra. The second chakra after the base chakra, a wheel of energy which connects through the pelvis area to go up the spine, this chakra is full of hidden secrets. Its unconscious quality deals with procreation, sexuality, emotions and relationships. Handled spiritually this energetic connection is the seat of wisdom and Bliss and promotes a sense of well-being.
Due to the subtle nature of chakra energy the best way to appreciate it is through experiencing their colours and frequency vibrations. This is one of the few fully illustrated books on this creative chakra, full of mandalas and rich colours, it provides a taste of the chakras without over-burdening you with factual details.
Designed for kindle fire, it incorporates a simple meditation at the end to allow this chakra to do its magic.
I hope you enjoy it.



The Zen Experience
http://www.amazon.com/gp/product/B0042X99TY/

(New American Library,1980)
The best history of Zen ever written.
Library Journal

Beginning with Indian Buddhism and Chinese Taoism it shows Zen as it was created by the personalities, perceptions, and actions of its masters over the centuries.

Gradual and sudden enlightenment, shock enlightenment, the koan, the migration of Zen to Japan. With anecdote and memorable quotation, this long-needed work restores Zen to its living, human form.

The truth of Zen has always resided in individual experience rather than in theoretical writings. To give the modern reader access to understanding of this truth, THE ZEN EXPERIENCE illumines Zen as it was created and shaped by the personalities, perceptions, and actions of its masters over the centuries.
Beginning with the twin roots of Zen in Indian Buddhism and Chinese Taoism, we follow it through its initial flowering in China under the First Patriarch Bodhidharma; its division into schools of gradual and sudden enlightenment under Shen-hsui and Shen-hui; the ushering in of its golden age by Hui-neng; the development of shock enlightenment by Ma-tsu; its poetic greatness in the person of Han-shan; the perfection of the use of the koan by Ta-hui; the migration of Zen to Japan and its extraordinary growth there under a succession of towering Japanese spiritual leaders.
Rich in historical background, vivid in revealing anecdote and memorable quotation, this long-needed work succeeds admirably in taking Zen from the library shelves and restoring its living, human form.



Zen Buddhism: The Ultimate Guide to A Fulfilled, Inspired Life and Achieve Inner Peace, Mindfulness and Happiness
http://www.amazon.com/Zen-Buddhism-Fulfilled-Mindfulness-Meditat...

Inside you will discover:

What is Zen Buddhism?
The easy ways to understand Zen Buddhism
How can I practice Zen Buddhism meditation without being a Buddhist?
What are the advantages of Buddhist Meditation or Zazen?
What are the belief of Zen Buddhism?
What makes Zen Buddhism different from other Buddhist traditions?



Buddha in Blue Jeans: An Extremely Short Zen Guide to Sitting Quietly and Being Buddha
http://www.amazon.com/Buddha-Blue-Jeans-Extremely-Sitting-ebook/...

Poet and Zen Priest Tai Sheridan's 'Buddha in Blue Jeans' is an extremely short, simple, and straight forward universal guide to the practice of sitting quietly and being yourself, which is the same as being Buddha. Sitting quietly can teach many ways to accept life, meet pain, age gracefully, and die without regret. The book encourages sitting quietly every day.

Topics include: Sit Quietly; Care For Your Body; Accept Your Feelings; Give Thoughts Room; Pain is Natural; Be Who You Are; Live Each Moment Well; Love Indiscriminately; Listen to Others; Be Surprised; Wonder; Live gratefully; Do No Harm; Benefit life; A Wish for The World. The book is for people of any faith, religion, race, nationality, gender, relationship status, capacity, or meditation background.



The Essence of Buddhism
http://www.amazon.com/The-Essence-Buddhism-David-Tuffley-ebook/d...

This book describes the basic principles of Buddhism. Much has been written about Buddhism and how to practice it. Readers will have no difficulty finding hundreds of books on the topic. This book simply focuses on the essence of Buddhism, as expressed in the Four Noble Truths and the Eight-fold Path.

Buddhism is not a religion as such; it does not propose an external God. It does not seek to replace a persons existing religious beliefs, only to supplement them. The Buddha, in all likelihood, would rather his followers describe themselves simply as Followers of The Way.



Radical Compassion: Shambhala Publications Authors on the Path of Boundless Love
http://www.amazon.com/Radical-Compassion-Shambhala-Publications-...

What is compassion? Much more than just being nice, compassion is about looking deeply at ourselves and others and recognizing the fundamental goodness we all share. Its about opening up to the vulnerable space inside every one of us and letting our barriers down. And its about daring to be present to ourselves and others with genuine love and kindness. Empowering personal awakening and social change, it might be the most radical and transformative thing we can do.

The cultivation of compassion has long been at the core of Naropa Universitys mission, since its origins in 1974and its students and faculty have been leaders in contemplative education with heart. In celebration of Naropas fortieth anniversary, Shambhala Publications is pleased to offer these teachings on the path of compassion from a collection of authors who have helped shape the schools unique and innovative identity, including:

Chogyam Trungpa on opening ourselves more and more to love the whole of humanity
Dzogchen Ponlop on how to cultivate altruism with the help of a spiritual mentor
Judith L. Lief on the common obstacles to compassion and how to overcome them
Gaylon Ferguson on awakening human-heartedness in oneself and society amidst everyday life
Diane Musho Hamilton on connecting to natural empathy and taking a compassionate approach to conflict resolution
Reginald A. Ray on spiritual practices for developing the enlightened mind and heart in the Mahayana Buddhist tradition
Ringu Tulku on the practices of bodhisattvas, those who devote themselves to the path of enlightenment for the sake of all beings
Pema Chodron on building up loving-kindness for oneself and others with help from traditional Buddhist slogans
Ken Wilber on what it really means to be a support person, with reflections from his own life
Karen Kissel Wegela on avoiding caregivers burnout and staying centered amidst our efforts to help those in need
and reflections on Naropa University and the meaning of radical compassion from longstanding faculty member Judith Simmer-Brown
How to start practicing Zen Buddhism alone?
How can one concentrate the mind on the present moment in a capitalistic society?
Everyday Zen Buddhism Practice- Integrating the Zen Principles into Your Life


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Amazon Coupons
g: 0 Posted By: remick
Views: 87 Replies: 0 http://www.amazon.com/gp/product/B007CKXFB2/

This book is for all those persons, who desire prosperity, success, knowledge, pleasure and need practical solutions to their practical problems.
The general reader, as well as the scholar, will find this book eminently readable. Within these pages, an easy rendering in English is presented, of the thirteenth book of the Mahabharata. The various questions troubling Yudhishthira and the answers given by Bhishma, comprise the content of this book. These questions are universal in nature; hence, the appeal of this book is universal and equally so, is the effectiveness of the answers.
Rajen Jani's translation is sound and his insights on Shri Shiva Sahasranama Stotram and Shri Vishnu Sahasranama Stotram are extremely illuminating. The easy translation in English, without any complex diacritical marks for Sanskrit words, enables readers to recite the chants effortlessly.
This book shows how righteousness, wealth, pleasure and liberation may be attained. After reading this book, the ignorant shall become wise, the weak shall become powerful and the poor shall become wealthy. The trapped shall find a way out, the losers shall become winners and the downtrodden shall become eminent. The confused shall gain clarity, the restless shall find peace and the sinners shall gain redemption.
Without any doubt, readers shall indeed find this book to be their true friend, philosopher and guide.



also free


The Rmyan of Vlmki
http://www.amazon.com/The-R%C3%A1m%C3%A1yan-V%C3%A1lm%C3%ADki-eb...

Most Helpful Customer Reviews
70 of 72 people found the following review helpful
4.0 out of 5 stars epic poetry at its best December 27, 2007
By Sawyer
Format:Hardcover
This book is a meticulously translated tale of ancient India, with all of the greatest elements of a great story thrown in - treachery, redemption, adventure, murder, passionate love, family dynasties, greed, etc. If you can read above a sixth-grade level, this book will richly reward every moment you spend with it. Thrones are toppled and regained, love is experienced in all of its richness and despair, and the adventures the hero has to live through are guaranteed to keep you on the edge of your seat. All kinds of demons and monsters are fought and conquered. Yes, the translation is old-fashioned, but so beautiful that only the most determinedly modern reader will balk at reading it. It is well worth the time and thought that it will require.



Vachanamrut
http://www.amazon.com/Vachanamrut-Bhagwan-Swaminarayan-ebook/dp/...

The Vachanamrut of Bhagwan Swaminarayan is the most sacred and foundational scripture of the Swaminarayan Sampraday. It contains the profound wisdom of the Vedas, Upanishads, Brahmasutras, Bhagvad Gita, Bhagvat Purana, Dharma shastras like Yagnavalkya Smruti, Vidurniti, and epics like the Ramayan and Mahabharat (Vachanamrut Gadhadha II-28). Bhagwan Swaminarayan says in Gadhadha II-28, "What is this discourse which I have delivered before you like? Well, I have delivered it having heard and having extracted the essence from the Vedas, the shastras, the Purans and all other words on this earth pertaining to liberation."

The Vachanamrut is the essence of ancient Indian wisdom as told by Bhagwan Swaminarayan and compiled by his five contemporary scholarly-sadhus who were known for their asceticism and scholarship in Sanskrit, besides their devotion to him. In fact every statement of the Master is packed with and based on His in-depth religious knowledge, spiritual insights and practical experience. It contains practical and philosophical answers to the sincere enquiries of all types of aspirants regarding life in this world and the life hereafter.



Chakras: Beginners Guide! Center Your Life Force and Use Chakras for Healing, Balancing, Meditation, and Clearing
http://www.amazon.com/Chakras-Beginners-Balancing-Meditation-Cle...

Each and every living being is infused with a universal energy that nourishes and connects life. You will learn how to use that energy to improve your life and take your consciousness to higher levels
This energy field is made up of the aura (which manifests itself in seven layers) and the chakra system (which comprises of the seven major chakras.) Read on to figure out how to harness this power to completely transform your life.

Below is a preview of what you are going to learn
- Why You Should Read This Book
- So, What Are Chakras?
- The Seven Chakras
- Myths Related to Chakras
- The Concept of Life Force Energy
- More on Chakras: Symbolic Representation
- Chakras and Mindfulness
- Balancing Your Chakras
- Chakra Mudras
- Chakra Chants




Chakra Series 1 (Book 2) - Sacral Chakras
http://www.amazon.com/Chakra-Series-Book-Sacral-Chakras-ebook/dp...

This book is a simple introduction to the sacral chakra. The second chakra after the base chakra, a wheel of energy which connects through the pelvis area to go up the spine, this chakra is full of hidden secrets. Its unconscious quality deals with procreation, sexuality, emotions and relationships. Handled spiritually this energetic connection is the seat of wisdom and Bliss and promotes a sense of well-being.
Due to the subtle nature of chakra energy the best way to appreciate it is through experiencing their colours and frequency vibrations. This is one of the few fully illustrated books on this creative chakra, full of mandalas and rich colours, it provides a taste of the chakras without over-burdening you with factual details.
Designed for kindle fire, it incorporates a simple meditation at the end to allow this chakra to do its magic.
I hope you enjoy it.

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Group legal plans through your employer - worth it?
Added on : Wednesday November 12th 2014 11:00:10 AM
g: 1 Posted By: CowbellMaster
Views: 114 Replies: 3 It's open enrollment period for a lot of folks, and my employer just started offering group legal services. I know others have access to this benefit, but it's new to me and I'm wondering what the FWF collective hive thinks:
Their plan said: Why is having a legal plan so important?
Because access to quality, affordable legal representation is more important than you may think.

There are many times in life when you may need the services of a qualified attorney: purchasing a home, estate planning and will preparation, financial matters, family law or adoption issues.

Yet, according to a study conducted by the American Bar Association, many people who need legal help do not seek it in part because they fear the cost and dont know how to find the right attorney.

Because finding an attorney on your own can be time-consuming and expensive.

If youve ever had to hire an attorney, you know that attorney fees can quickly add up for even the most basic legal services. And theres always the problem of finding a qualified attorney who is right for the job. That could take hours or even days.

MetLaw, the group legal plan available through Hyatt Legal Plans, makes things simple for you. You get the attorney you need at a cost thats very affordable, with access by telephone or in-person for advice on an unlimited number of personal legal matters, and representation for a wide variety of legal services.

MetLaw could save you hundreds of dollars in attorney fees for common legal services like these:

 Estate planning documents, including Wills and Trusts
 Real estate matters
 Identity theft defense
 Financial matters, such as debt-collection defense
 Traffic offenses
 Document review
 Family Law, including adoption and name change
 Advice and consultation on personal legal matters
 And more

It's $20/month. I have a couple buddies that are attorneys but I wouldn't want to bug them for piddly things like Wills, etc.

Speaking of which, DW & I still need to do wills. Does it make sense to subscribe to such a service just to cover the drafting of a will?

For those with experience using these work-sourced legal services - what are your thoughts? Is this a "you get what you pay for" type service or is it worthwhile? If my kid drops a log on an exposed pipe would I be able to sit down with a non-first-year lawyer and pick his brain? What about if I discover my home used to house a daycare, could I use said lawyer to take the sellers through the ringer?

Thanks for any insight!
General Economics Deals
g: 1 Posted By: anonguy
Views: 184 Replies: 0 Granted, this isn't a hot deal in the "buy" sense, but considering all the Nokia 521s that have appeared here and been purchased by FWers over the past year and have been futilely waiting for T-Mobile to finally update the phone to Windows 8.1 the moment has finally came. Here is the T-Mobile linkregarding it. But, essentially, go to your phone's settings and check for phone updates. It will be a series of updates but, yeah, you will finally have Cortana like the 520 has had for some time.

Oh, and it is currently $49 at the Microsoft Store. Don't forget 4% Cash Back.


Cell Phones Deals

Microsoft Store Coupons
Free android app for young kids - Sago Mini Monsters (was $2.99)
Added on : Tuesday November 11th 2014 01:00:07 AM
g: 0 Posted By: remick
Views: 63 Replies: 0 http://www.amazon.com/gp/product/B00JH28CUW/

4.4 out of 5 stars (17 customer reviews)

NO IN-APP PURCHASES OR THIRD-PARTY ADVERTISING.
A BEAUTIFULLY CRAFTED CREATIVITY APP FOR TODDLERS AND PRESCHOOLERS!

CREATE:
Sago Mini Monsters lets kids create their own creatures and BRING THEM TO LIFE! Decorate your monster, feed it, and be sure to brush its teeth! When you're finished, snap a photo to save and share. Make as many as you like, EACH MONSTER IS UNIQUE!

WHO WE ARE:
Sago Mini Monsters fosters empathy, pride, and ownership. Part of the AWARD-WINNING suite of Sago Mini apps, this app is sure to bring smiles to your little one.
Our team of designers and developers create apps that children love and parents trust. We build on kids' natural sense of wonder, creativity and curiosity to make apps that are safe, positive and fun. Sago Mini are the ideal first apps for your little one.
Totally Free Deals
g: 0 Posted By: chrispitude
Views: 13 Replies: 0 rockauto.com is having a huge Trico clearance sale:

http://www.rockauto.com/lang/en/promo.html

Prices start at about $1 for the basic styles. Between a buddy of mine and I, we picked up 40 premium wipers across four vehicles for $137.26 shipped, working out to $3.43 each. We could have gone cheaper, but we stuck to the premium styles (Neoform, Sense, Chill Teflon).

In the "where did you hear about us" field, enter "58706B0C3F9D33" for an extra 5% discount. Some models were sold out for some of our vehicles. It looks like many are taking advantage of this sale.

Snow and ice are going to wreck your wiper blades anyway - why not stock up for a few bucks?

Rockauto.com Deals
Walmart: Zoomer Interactive Dino, Boomer $79.88 FS
Added on : Sunday November 09th 2014 07:00:03 PM
g: 0 Posted By: Advertisement
Views: 122 Replies: 0 Walmart: Zoomer Interactive Dino, Boomer $79.88 FS

Zoomer Dino:

Incredible Zoomer Dino battery operated toy that only you can tame
Real dinosaur movements, sounds and incredible dino-sense abilities
Boomer can detect when you're nearby and interacting with him
Zoomer Dino Toy can get angry, spin around, chomp and roar
Using True Balance Technology, Boomer perfectly balances on 2 wheels as he roams freely, exploring your home
Use hands or included controller to tame his Dino nature and build your friendship
He might even let out dino-sized burps and farts
Requires 3 AAA batteries (not included with this kids toy)

Toys Deals

Walmart Coupons
g: 0 Posted By: remick
Views: 139 Replies: 0 http://www.amazon.com/gp/product/B00OZLPZVY/

The World of Indigenous North America is a comprehensive look at issues that concern indigenous people in North America. Though no single volume can cover every tribe and every issue around this fertile area of inquiry, this book takes on the fields of law, archaeology, literature, socio-linguistics, geography, sciences, and gender studies, among others, in order to make sense of the Indigenous experience.

Covering both Canada's First Nations and the Native American tribes of the United States, and alluding to the work being done in indigenous studies through the rest of the world, the volume reflects the critical mass of scholarship that has developed in Indigenous Studies over the past decade, and highlights the best new work that is emerging in the field. The World of Indigenous North America is a book for every scholar in the field to own and refer to often.



also free

American Indian stories
http://www.amazon.com/American-Indian-stories-Zitkala-Sa-ebook/d...
4.5 out of 5 stars (15 customer reviews)


Folk-Lore and Legends: North American Indian
http://www.amazon.com/Folk-Lore-Legends-North-American-Indian-eb...
4.4 out of 5 stars (11 customer reviews)


Indian Games and Dances with Native Songs
http://www.amazon.com/Indian-Games-Dances-Native-Songs-ebook/dp/...
4.5 out of 5 stars (11 customer reviews)

Books Deals

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Nintendo - 3DS XL with Mario & Luigi: Dream Team $174.99 w/FS @ Best Buy
Added on : Saturday November 08th 2014 11:00:03 PM
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 Mario-themed aesthetic
This limited edition 3DS is designed to match the included Mario & Luigi: Dream Team game. The beautiful silver exterior is emblazoned with a stylish image of Mario and Luigi.
Mario & Luigi: Dream Team game comes preinstalled
Mario and Luigi embark on a fun-filled adventure that catapults Mario into an alternate world inside of Luigi's dreams. Additional games sold separately.
Nintendo has a long history of delivering beloved game franchises
The 3DS allows you to play on the go with Mario and friends, The Legend of Zelda, Animal Crossing and more.
Glasses-free 3D
Game worlds come alive with a sense of depth that doesn't require special glasses. A slider on the side of the unit allows you to adjust the intensity of the 3D effect or turn it off completely.
Two-screen gameplay
The 3DS features two screens, including one 3D screen and a touch screen with a stylus interface that offers unique gameplay experiences.
Bigger screens
The 3DS XL features 90% more screen real estate than the original 3DS, giving you a better view into the game worlds you love.
The Nintendo eShop is your one-stop digital storefront
Expand your game library by purchasing new titles, innovative indie games and retro Nintendo classics without a trip to the store.*
Watch TV, movies and more
Nintendo Video allows you to download videos and watch them in 3D.* Netflix** and Hulu Plus** also available.
Multiple cameras offer an entertaining photography experience
Inward-facing camera allows you to take self-portraits, and the outward-facing dual cameras allow you to snap pictures in 3D. Includes a robust photo editing suite.
StreetPass links you with other players
Exchange data with other 3DS users to play fun minigames, collect digital items or unlock additional features in the games you play. StreetPass can be disabled if you prefer.
SpotPass automatically connects you to wireless hotspots
Get updates and bonus content for several of your games, even while your 3DS is in sleep mode.
Backward compatible with the entire DS family of handhelds
The 3DS will play almost all of your old DS games, though they won't display in 3D.
4GB SD card included
Store a small amount of games and apps on the included memory card.

www.bestbuy.com/site/nintendo-3ds-xl-with-mario-luigi-dream-team...
Nintendo 3DS Deals

Best Buy Coupons
Metro 2033 free (PC) (Steam)
Added on : Friday November 07th 2014 01:00:09 PM
g: 0 Posted By: WikiPuka
Views: 169 Replies: 0 Come get your free PC copy of Metro 2033until 11/8 @ 10 a.m. PST

Do yourself a favor and get on this asap. The deal only goes on for the next 19 hours.

The Humble Store is one year old today, and to celebrate there will be a number of sales on certain PC games, but the better news is that the excellent Metro 2033 will be free to anyone who shows up for the first 24 hours of the sale. You just need to log in and redeem your free copy of the game.Here are the other deals:

75% off Sonic Hits Collection
50% off Banished
75% off Batman: Arkham Origins
80% off Crusader Kings II Collection
and much more!

Those are good deals, but a free copy ofMetro 2033is the real draw. This isn't the Redux version of the game,but the original still provides a sense of desolation and despair that's rare in modern games, even if the shooting itself can feel a bit flat. There's a reason it's so well regarded despite its flaws, and this is a great chance to see for yourself.


Totally Free Deals
Metro 2033 (PC) free
Added on : Friday November 07th 2014 12:00:11 PM
g: 0 Posted By: WikiPuka
Views: 3 Replies: 0 Come get your free PC copy of Metro 2033 until 11/8 @ 10 a.m. PST

Do yourself a favor and get on this asap. The deal only goes on for the next 19 hours.

The Humble Store is one year old today, and to celebrate there will be a number of sales on certain PC games, but the better news is that the excellent Metro 2033 will be free to anyone who shows up for the first 24 hours of the sale. You just need to log in and redeem your free copy of the game.Here are the other deals:

75% off Sonic Hits Collection
50% off Banished
75% off Batman: Arkham Origins
80% off Crusader Kings II Collection
and much more!

Those are good deals, but a free copy ofMetro 2033is the real draw. This isn't the Redux version of the game,but the original still provides a sense of desolation and despair that's rare in modern games, even if the shooting itself can feel a bit flat. There's a reason it's so well regarded despite its flaws, and this is a great chance to see for yourself.

g: 0 Posted By: remick
Views: 89 Replies: 0 The Adventure in Supernatural Discovery: A Handbook on Receiving Divine Encounters
http://www.amazon.com/gp/product/B00FVE7ZC6

4.6 out of 5 stars (8 customer reviews)

Experience the adventure of a lifetime!
Have you ever thought, There has got to be more to my Christian life?
Well, there is!

Normal Christianity has been redefined over the centuries. What began as a vibrant encounter with the Living Christ through the power of the Holy Spirit has often become formulaic and stale. For many Christians today, normal is mundane. Normal is average. Normal is boring. If this is you, then its time for you to get a new normal.
Author Michael Kaylor shares his personal testimony of redefining normal and stepping out on supernatural adventure that transformed His relationship with God forever.
God never intended you to live like everybody else. In this book, you will see that Gods vision of normal Christianity includes:

Prophetic dreams and visions
Impartations
Uncontainable joy
Divine appointments
Supernatural healing and miracles

Take the journey and discover the supernatural life God has destined you to live!



The Angels Are Talking
http://www.amazon.com/gp/product/B00D3RTRFQ/

In the spring of 2010, approaching the season of Lent, I went on a journey to find the one true God. I became convinced that God could hear me, and see me, and that He would give me a sign that He was there. I held the faith that if I humbled myself before Godseeking Him diligentlyHe would reveal Himself to me. It was amazing! For the first time in my life I heard the voice of the Lord, but nothing could have prepared me for what happened next. This book includes:

Messages from God for the world and His people
An introduction to my fleet of angels by name along with their assignments
In depth conversations with the angels Gabriel, Michael, the angel of death, the angel who stands at the gates of Hell and many more
Prayers to help you through difficult times
Formulas to use to unlock the power of Jesus Christ in your life

After reading this book you will come to realize that with God, you are stronger than you think you are. You are important to the body of Christ, and that fleet of angels all around you is proof that God has called you to be great. Answer the call.



Sacred Light Spirit Eagle: My Visionary Life and Near Death Experience
http://www.amazon.com/dp/B009Y8S90W

A lifelong visionary

Cristael was seventeen when she saw a vision of the great eye of God, looking down at her. It was an experience of total love. After this experience she continued to have visions. Then when she was in her twenties her husband threatened to have her committed to the State Mental Hospital in Las Vegas, New Mexico because of her visions.
Cristael realized that no one around her could understand her seeing angels and having conversations with Divine intelligence. Silenced, she went to college and graduated, then got her divorce and began her career as a music teacher and a classroom teacher. She withdrew from life to teach and to raise her children alone.
As the years went on, her children left home and her parents died, and Cristael was left totally alone. She struggled with breakdowns and with years of bleak depression, winding up being totally dependent on her older son. And still her visions kept coming to her.

Near-Death Experience

Fifty years after her first visionary experience, Cristael had her Near-Death Experience. And after years of struggle and loneliness, she knew she could no longer allow herself to be silenced or censored. But how could she stand up to the risk of rejection by the people she cared about? And could she accept the fact that there were those who would ridicule her and seek to discredit her and her life of visions?

Are Cristael's visions and her near-death experience delusions? Or are they glimpses of glorious realms where the human soul really does live for all of eternity?



It Is Done!: The Final Step To Instant Manifestations
http://www.amazon.com/gp/product/B00P80WYF6

The first time Richard Dotts learnt about the significance of the word Amen frequently used in prayers goosebumps welled up all over his body and everything clicked in place for him. Suddenly, everything he had learnt up to that point about manifestations made complete sense.

What if the word we commonly use to end our prayers today is not merely added as an afterthought, but meant to be a powerful manifestation tool in the first place? What if it is actually the most important part in any prayer? What was going through the minds of those ancient spiritual masters when they said words similar to amen? Does that word really hold the final step to fulfilling our desires?

In It Is Done!, bestselling author and spiritual explorer Richard Dotts explores the hidden significance behind these three simple words in the English language. Three words, when strung together and used in the right fashion, holds the keys to amazingly accurate and speedy manifestations.

In his usual candid, illuminating style which has made him a seven time Amazon bestselling author, Dotts devotes the first half of this book to explain his 10-year struggle with the Law of Attraction, and how he struggled to leave behind his habit of incessant worrying and fearful thoughts. I was constantly worried about things going wrong even when everything was going right. I was afraid that one day, I would run out of money and bad things would happen to me, writes Dotts candidly in one of the chapters.

Then Dotts quickly moves to show the reader how they can break free from the 4 major blocks that prevent manifestations from occurring in their own lives, and how these blocks are often so pervasive that we do not even realize they are there. Because these unseen blocks feel so familiar to us, we often do not recognize that they are standing between us and our greater good.



Classification and Statistical Manual of Extrasensory Experiences, 1st Edition: CSM-EE
http://www.amazon.com/gp/product/B00OX154D0

The Classification and Statistical Manual of Extrasensory Experiences (CSM-EE) is a classification of extrasensory experiences (i.e. telepathy, clairvoyance, mediumship, precognition, synchronistic events, etc.) with associated criteria designed to facilitate more reliable classification. CSM-EE assists in identifying like experiences that are similar in phenomenology, but otherwise widely differ in narrative due to culture, language, and religious/spiritual belief. Whereby, the CSM-EE can assist in accurate classification and is therefore a valuable resource for clinicians and students, and a valuable reference for researchers, dealing with extrasensory experiences in a wide diversity of context. The criteria and associated phenomenological features and specifiers serve in part as a textbook for students who require a well-structured method to understand and classify extrasensory experiences as well as for experienced professionals encountering these experiences for the first time.



The Accidental Psychic: How I Went from Skeptic to Psychic in Thirty Years in Just 500 Easy Steps
http://www.amazon.com/The-Accidental-Psychic-Skeptic-Thirty-eboo...

Deborah Raku is a psychic medium, a Reiki Master Teacher, and a Reconnective Healing Practitioner with an energy healing practice that involves the help of spirit guides and masters. Deborah is not a turban-wearing psychic with the ability to predict the future. Instead, she describes her gifts by saying that she simply has great insight into the present.
She was not born this way. Forty years ago she was a computer programmer with a skeptical interest in the metaphysical. That interest led to a decades-long meditation practice, a growing ability to listen to the intuitive voice, a premonition dream about a teacher she met a few days later, an energy blast in Sedona that set her on a healing path, a channeled journal that helped her navigate a painful heartbreak, a memory of a life between lives, and an illuminating journey to see John of God. Deborah is convinced from her experiences that these abilities are available to us all it is only a matter of beginning to listen.
This memoir is an account of how she slowly changed, as a result of tuning in to her intuition, into someone whose mission now is to help others connect with the deeper parts of themselves. This deeper connection is available to us all. In the book she gives practical examples of how meditation can help to open you up to this inner voice and how to recognize it. She gives advice on how to start a journal tapping into that voice and shows how it can help, comfort, and guide you when you most need it.
She also gives examples from her energy healing practice that demonstrate how this work can alter lives. Each session is unique and often unexpected. Other practicing healers will gain a great deal from her descriptions of beginning her practice, the necessity of letting go of desired outcome, and the certainty that all is working for the highest good.
In this personal story Deborah shares details of how she went from an agnostic and skeptical worldview to one full of spiritual connection, hope, and faith. It is a story of a heros journey and is Just a Great Read!



The Third Eye: Open Your Third Eye and Awaken Your Pineal Gland To a higher consciousness
http://www.amazon.com/The-Third-Eye-Awaken-consciousness-ebook/d...

So you would like more clarity, insight, wisdom, intuition, and spiritual awareness?

This book will help you achieve these sacred intentions.

The Third Eye is one of human beings most powerful energy centres, located in the middle of the forehead. I believe that when it is awakened, the Third Eye can act as a stargate that sees beyond space and time. It is considered the most powerful source of ethereal energy.
Extraordinary intellect, intuition, wisdom, and spiritual insight are available to everyone but few of us even begin to tap our profound potential. Opening your third eye can help you tap into these vast capacities
This book demystifies the third eye and explains its true nature in the brain as the pineal gland. In the average person, the pineal gland is atrophied, [calcified] and dormant. The exercises in that book will change that. This guide will teach you the necessary steps to take to decalcifying your third eye to repair and heal it so you can fully use it to its highest potential.
Here Is A Preview Of What You'll Learn...

- The Third Eye Throughout History
- The Wonders of the Pineal Gland
- The Secrets of Third Eye Activation
- Use Your Crystal or Gemstone for Third Eye Activation
- Meditation to open the Third eye



Your Choice Yukon Outfitters Edged Tools $19.99$29.99 + SH @ Woot
Added on : Wednesday November 05th 2014 10:00:05 PM
g: 0 Posted By: ctgolfer
Views: 70 Replies: 0 shipping adds $5

Your choice:

Survival Machete
Price: $19.99 50% List Price: $39.99The Yukon Outfitters Survival Machete features a serrated top blade, nylon wrist strap, dye-cut hang hole, ergonomically-molded handle, and a carbide-tipped bottom blade finish.

17" high carbon steel blade
23" overall length
Ergonomically designed non-slip handle
Nylon wrist strap
Die cut storage hole
Serrated top edge
Plastic injection handle
Full hiddentang
Model No. MG-GM021
Includes heavy duty nylon sheath

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Mountain Tool
Price: $29.99 40% List Price: $49.99The Yukon Outfitters Mountain Tool is a great backwoods, no nonsense, compact machete. The back edge is serrated for sawing tasks.

10" 420 stainless steel blade with black finish
15.5 overall length
1.65 lbs
Inlaid hardwood handle
Serrated back edge
Model No. MG11480
Includes study nylon sheath with belt loop

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Cornellious Ax
Price: $19.99 50% List Price: $39.99The Yukon Outfitters Cornellious Ax is a must-have tool for home and camping, and features an ultra-grip rubber handle for secure control as well as a weight distribution that puts weight on the blade end of the ax.

420 stainless steel blade with black finish
12 overall length
4 3/4" ax head
1.5 lbs
Ultra-grip rubber handle
Weight distribution puts weight on blade end
Model No. MG7214-110
Includes sturdy moulded sheath with integrated belt loop

~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~
Kukri
Price: $19.99 50% List Price: $39.99The Yukon Outfitters Kukri is a multi-duty tool, designed for chopping firewood, skinning game, and clearing small vegetation. The inwardly curved blade is ideal for utility work.

12" 440 stainless steel blade with black finish
17 overall length
2.2 lbs
Inwardly curved blade
Ultra-grip rubber handle
Model No. MG11619-145
Includes reinforced nylon sheath


http://sport.woot.com/offers/your-choice-yukon-outfitters-edged-...


Tools Deals

woot! Coupons
g: 3 Posted By: MrVietnam
Views: 1331 Replies: 16 Free Trident Gum!
Single pack gum 3/$3.00 get $1 +Up rewards (limit 2)
Buy 4 = $4.00 - 2 $1/2 Trident singles (SS 10/12) - $1/4 Oct VV
= $1 get $1 +Up rewards = free
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Zantac (24 to 30 ct.), $8.99
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The Glade deal gets better with Savingstar get $5 wyb $20 and Checkout51 $1 off Glade wax melts and $0.50 off Glade candle.
So buy 8 candles / wax melts / sense and spray refills (stock permitting) for $24.
Use 4 $2/2 coupons, get $8 UP and $5 SavingStar and $1.50 Checkout51
Net price $1.50 for all 8.

Glade, any $2/2 print

There is a $5 peelie on the Christmas automatic spray kits at Dollar General.Will make it a money maker with $1 video values. The small box with just the automatic thing is regularly 8.99 so 7.19 gold. Buy 3 and one item for 3.00. Or if you have enough coupons and stock buy 6 spray and 2 candles limit is 4. Or 7 spray.
Grocery Deals
Paypal reduced the backup funding limit for everyone i need an alternative
Added on : Wednesday November 05th 2014 12:00:05 PM
g: 0 Posted By: jimmyzshack
Views: 105 Replies: 3 Anyone know a good bank that gives % Cash Back on purchases with a debit card? Paypal decided to change the backup funding for all paypal users to $1000 from $3000 without warning. I get 1.5% Cash Back on that those 2 cards. It takes too long to transfer money into paypal sense green dot came along. i need a better solution that is NOT a credit card and doesn't have limits higher than $1000 Cash Back a month.

Question Deals
Hisense 50 1080p LED TV 50H3 - $399 @ Tigerdirect FS
Added on : Tuesday November 04th 2014 07:00:10 AM
g: 0 Posted By: mbenzgt
Views: 106 Replies: 0 Hisense 50 1080p LED TV50H3

$399 free ship @ TigerDirect

http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=9162916
LED TV Deals

Tiger Direct Coupons
49% off on Multifunction Digital Bathroom Scale
Added on : Monday November 03rd 2014 09:00:04 PM
g: 1 Posted By: docmmb
Views: 78 Replies: 0 49% off on Multifunction Bathroom Body Fat Scale
URL:www.amazon.com/Surpahs-Sense-ON-Multifunction-Digital-Bathroom/dp/B00J48YZMI/
MSRP: $75.99
Sale Price: $38.99

Health Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 77 Replies: 0 The greatest gamepadnow even better
The Xbox One Wireless Controller features over 40 improvements to the award-winning Xbox 360 Wireless Controller.
More immersive
Newly designed D-pad is responsive to both sweeping and directional movements.
Thumbstick improvements enable better grip and accuracy.
Trigger and bumpers are designed for quicker access.
More comfortable
Grips and contours have been designed to fit a wider range of hand sizes comfortably.
Batteries fit inside the controller body, allowing your hands more room to naturally grip the controller.
Additional features
Contents: Wireless Controller and AA Batteries (2).
30ft wireless range.
Connect up to 8 Wireless Controllers at once to your console.
Menu and View buttons for easy navigation.
Seamless profile and controller pairing. Infrared LEDs in the controller can be sensed by the Kinect sensor.
Expansion port for add-on devices like the Chat Headset.
Compatible with Xbox One Play and Charge Kit and Xbox One Chat Headset.

www.ebay.com/itm/Official-Microsoft-Xbox-One-Special-Edition-Arm...
Xbox One Deals

eBay Coupons
g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/gp/product/B00GWT8DRU

4.8 out of 5 stars (25 customer reviews)

At first, Don Schulze wasnt sure he was really hearing from God . . . because what he was hearing didnt make sense. Could God really be calling him to leave a good career and a stable life to take his family on a journey of ministry across the country and around the world? And could Don trust God to take care of his loved ones on that journey? Would they trust and understand Gods call as well?

With a deep breath and a lot of faith, Don and his family took the leap and said yesstepping forward into what would become a lifelong quest to follow Gods calling. In A Life of Miracles, youll travel with this ordinary family across the years as you witness inspiring encounters with Goddramatic rescues, just-in-time provisions, amazing miracles of healing, and Gods surprising answers to everyday prayers. As you read, youll see evidence of just how closely God sticks by us, even in our most uncomfortable moments.



also free

Seeking Human Kindness
http://www.amazon.com/gp/product/B00NHDP1BU
5.0 out of 5 stars (9 customer reviews)

Is karma real? "Seeking Human Kindness" is a compilation of 50 inspirational true short stories gathered from across the world. It explores the meaning of humanity. Each vignette focuses on a separate real life event told from perspective of those who experienced great and unexpected boons. Some received great acts of kindness in their moment of need or lent aid to one who needed it most. Their actions precipitated unforeseen events, even in some cases changing their life's direction.

Authors were carefully chosen, based on those who had compelling stories to tell. They hail from multiple countries, diverse backgrounds, education, skillsets, life journeys, etc. They come together in this compilation to share their experiences in dealing with the life altering after effects of human kindness.



Life is Good
http://www.amazon.com/gp/product/B00J6EEYUS

This is the second book by inspirational writer, Peter Skillen, author of The Twelve Step Warrior.
In this book, Peter takes you, the reader, through a myriad of writings, thoughts, and feelings, in the hope it will make you look at life from a different perspective.

After each piece of writing, a space has been left for you to write your own thoughts and feelings.
This small but powerful book is presented with two aims: to inspire you, and to remind you that Life is Good.



The Youngest Son: The Gift of Cancer
http://www.amazon.com/gp/product/B00LXD6RHS
5.0 out of 5 stars (6 customer reviews)

Cancer tells a million different stories. For some, cancer is about hope, overcoming challenges and of recovery. For others, the story cancer tells is one of despair, anger, depression and loss.

The Youngest Son is as much a story about a father of six diagnosed with terminal cancer as it is about how the family of someone diagnosed with a terminal disease also faces their own grim prognosis. It is about the stages of grief and how learning to identify each stage before the stage presents itself can be the most important part of recovery.

Author T Patrick Phelps shares his personal journey during his father's near two year battle with esophageal cancer. He shares his challenges with the coldness of medicine, the yearning desire to retain hope while keeping a firm grasp on the reality of terminal cancer.


Review
I agree with the other reviewer who said that this book is about what is really most important in life. Though this book is written about the author's dad, the book is really about forming relationships, making lasting memories and the importance of family.
The chapter Memories from a Pond is one of the best chapters I've read in this genre and the author's explanation and understanding of the stages of grief really makes more sense than how the doctors explain the stages
Books Deals

Amazon Coupons
g: 3 Posted By: MrVietnam
Views: 870 Replies: 5 Free Trident Gum!
Single pack gum 3/$3.00 get $1 +Up rewards (limit 2)
Buy 4 = $4.00 - 2 $1/2 Trident singles (SS 10/12) - $1/4 Oct VV
= $1 get $1 +Up rewards = free
Or if able to use 2 VV you can buy 8 and use 2 $1/4 Oct VV and 4 $1/2 coupon, pay $2 get back 2 x $1 +Up = free


Zantac (24 to 30 ct.), $8.99
Get $2 +UP Reward (Limit 1)
$4/1 Zantac Product printable
$4/1 Zantac Product, exp. 12/31/14 (SS 11/02/14) [24-ct.+]
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Try Zantac FREE Mail-in-Rebate
Better than FREE after coupon, MIR, and +UP Reward!


The Glade deal gets better with Savingstar get $5 wyb $20 and Checkout51 $1 off Glade wax melts and $0.50 off Glade candle.
So buy 8 candles / wax melts / sense and spray refills (stock permitting) for $24.
Use 4 $2/2 coupons, get $8 UP and $5 SavingStar and $1.50 Checkout51
Net price $1.50 for all 8.

Glade, any $2/2 Print [rightathome.com]

There is a $5 peelie on the Christmas automatic spray kits at Dollar General.Will make it a money maker with $1 video values. The small box with just the automatic thing is regularly 8.99 so 7.19 gold. Buy 3 and one item for 3.00. Or if you have enough coupons and stock buy 6 spray and 2 candles limit is 4. Or 7 spray.
Grocery Deals
Free Over $135 worth of Amazon Android Apps
Added on : Friday October 31st 2014 10:00:10 PM
g: 0 Posted By: bearcloud
Views: 96 Replies: 0 Quickly, get your free apps before it's too late. Ends Saturday...

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

To-Fu Fury
To-Fu Fury is a fast-paced, action-packed take on the puzzle-platform genre. Use the Amazon Fires ground-breaking Dynamic Perspective to solve crafty physics puzzles and triumph in frenetic melee battles. Stick to wooden surfaces, slide down slippery jade, and use metal to ricochet towards your goal but beware the deadly traps and devious Hoshi bandits!
Free Apps Deals
Pay Off Mortgage?
Added on : Friday October 31st 2014 03:00:24 AM
g: 0 Posted By: steve1954
Views: 53 Replies: 3 My wife and I owe $77k on a house that is probably worth $380k. We have a 15 year mortgage (remortgaged from 30 year , 2 years ago at 3.875%) that has 13 years left ($684 per month). My wife works as a contract trainer and earns about $110K. I earn $60K and also have a pension that brings in about $65k. No kids, no outstanding credit, 2 new cars paid for and 200k cash reserve
I suggested that we pay extra $1500 each , each quarter - $12k, year off the mortgage to pay it off early - she says that it doesn't make any sense because we get tax credit and the mortgage is low rate.
What is the most financially prudent option, given our circumstances>

TIA

Personal Finance Deals
g: 2 Posted By: remick
Views: 114 Replies: 0 Triera
http://www.desura.com/games/triera

An error occurs on a huge interplanetary spaceship called Triera, with four levels of robot-inhabited cities. The error leads to weird changes of all cities. The robot-manufacturing plant starts to produce new robots with malfunctions. All survived robots have to hide on a zero level, while other levels are already inhabited with zombie robots. All service stations in the cities got destroyed. Triera is at the self-vanishing point. But there is a way out: the only service station still exists on a zero level. But will the mechanic robot have a chance to reach the central panel and find out the reasons of this failure? Will he be able to reset the spaceships control system?




Downfall: A Horror Adventure Game
http://www.desura.com/games/downfall-a-horror-adventure-game

Quiet Haven Hotel was supposed to be just a one night shelter for Joe and Ivy Davis. But things soon start to go wrong. Ivy's panic attacks get worse and soon she disappears. Strange goings on begin around the hotel. Nothing is what it seems anymore. Joe is left alone, trying to understand what is happening, trapped between reality and the nightmare.

From writer R. Michalski, creator of The Cat Lady - this is Harvester Games first and well loved adventure game Downfall, originally released in 2009.
ENGLISH TEXTS ONLY. NO VOICES.
Contains strong language, violence and scenes of a sexual nature - not suitable for players under 18 years.
"...a creepy way to spend a few hours, as long as you arent squeamish." Adventure Gamers



Fibrillation
http://www.desura.com/games/fibrillation

Fibrillation is a first person philosophic horror with elements of mysticism for a run-through in one breath. Youve got only one chance to play through the whole game with no savings. The main character is called Ewan. He is wandering about mysterious places trying to find a way out. Hallucinations? A trap of mind? Life in the balance? Haunted by his own fears, the main character has to make sense of it all and find a way out. Passing through all of these obstacles a player will face a choice that will influence the end of the whole game and Ewans destiny.
Totally Free Deals
Hisense 65" Class 4K 120Hz Smart LED Ultra HDTV Costco $1299.97
Added on : Wednesday October 29th 2014 08:00:07 PM
g: 0 Posted By: spacejamz
Views: 143 Replies: 0 http://www.costco.com/Hisense-65%22-Class-4K-120Hz-Smart-LED-Ult...

Backlighting Options: LED
Brand: Hisense
Cabinet Style: Tabletop or Wall-Mount Flat Panel
Closed Caption: Yes
Depth: 2.48 in.
HDTV: HDTV (Receiver/Tuner is Built-In)
Height: 33.03 in.
Includes Stand: With Stand
Model: 50PA4500
Noise Reduction: Noise Reduction
Number of A/V (Composite) Inputs: 1
Number of Component Inputs: 1
Number of HDMI: 4
Number of Optical Audio Outputs: 1
Number of RF Inputs: 1
Number of USB Inputs: 3
Number of VGA Inputs: 1
Parental Control: Parental Control Feature
Refresh Rate: 120 Hz
Resolution Description: Ultra HD (4k)
Screen Size Class: 65 in.
Timer: Sleep Timer (Off Timer)
Type of Remote Control: Remote Control
Type of Television: 16:9 LED Backlit LCD
Weight: 121.25 lb.
Wi-Fi Enabled: Yes
Width: 57.52 in.

Costco Deals
g: 0 Posted By: sarahturtle
Views: 134 Replies: 0 http://kids.woot.com/offers/fisher-price-deluxe-infant-to-toddle...Recommended Ages: Birth to Toddler
Maximum Weight: 40 lbsIt's a seat for play, a seat for feeding, a seat for rest. A stationary seat and rocker in one that grows with baby! Bat-at toys keep baby entertained and help strengthen babys senses. Calming vibrations and a reclining seat help soothe. Easy transitions let you use if from infant to toddler

Stationary seat & rocker in one
Grows with baby
Fold-out kickstand & reclining seat for feeding or napping
Bat-at toys & musical elephant help stimulate babys senses
Deep cradle seat with calming vibrations helps soothe younger babies
Toy bar easily removes for older babies to sit & play
Easy conversion to toddler rocker
Removable, machine washable pad
Secure, three-point restraint
Deluxe frame design
Requires 1 "D" sized battery
Adult Assembly Required

Shipping Note:Eligible for shipping to all 50 states
Warranty:90 Day Woot Limited Warranty

shipping adds $5
Toys Deals

woot! Coupons
13 free mp3s - Footsteps to Mars by egomunk
Added on : Tuesday October 28th 2014 02:00:05 PM
g: 0 Posted By: remick
Views: 100 Replies: 0 http://egomunk.com/

Egomunk is a collective of established artists, led by singer/songwriter Egomunk himself, who are united by their aim to remain anonymous and to let their music speak for itself. Each musician involved is established in the music business under another guise. Egomunk's debut album, Footsteps To Mars, was recorded over 18 months in studios in London and LA and speaks of a sense of freedom which is sometimes forgotten in the modern world. The album has been recorded free from any record label restrictions or marketing demands and is available as a whole exclusively on their website.

The Footsteps to Mars album is an anonymous musical masterpiece; there is no artist, no face to stand behind. All thirteen tracks are left open and vulnerable for your interpretation. The music is available in its entirety.

Totally Free Deals
Short term disability for maternity leave, and Whole vs Term Life
Added on : Tuesday October 28th 2014 05:00:12 AM
g: 0 Posted By: RhizzleBop
Views: 58 Replies: 1 Hi, Its open enrollment time for myself and my wife's policies.

We were looking to add Short term disability under the understanding that it would cover a standard maternity leave (which we hope occurs in 2015.

Found out she can take the coverage but of course it applies starting Jan 1 2015, and if birth occurs before 9 months into 2015 (standard, no complications) they will not cover it. I called another company and theirs does not cover standard maternity at all. Our goal was to get something in place right now as we don't know when or if that might occur in 2015. Didn't want to wait till Jan to have that coverage that would still not apply if birth occured before 9 months into next year.

Secondly, in general, is it best to have longterm, and not short term, with regards to other reasons to use it, not maternity leave? We are both 34, healthy, work in office job and teacher.


With regards to life Ins. I have a paid up whole worth 14K thats been paid up for about 10 years. I have 25K term through work currently. Found out wife only has 3K through her work, and we were gonna bump that to 13K for 70 cents a month until I can figure out a better plan.
Should we consider a whole policy for her? My approach in general is to build wealth through investing so that we really don't need these policies in30-50 years, but who knows what life will throw at us.

Wife also has a cancer policy that we pay 46 a month for. She had it before we met and frankly I need to look into what it pays. We kept it because breast cancer runs in her family. She gets yearly exams.

thanks for the advice in advance.
Not 100% clear on term vs whole other than whole gets paid in full and term is for as long as you pay for it (until they refuse coverage or raise the price so high it cant be afforded). Otherwise, i don't know the general rule of thumb for what makes sense.
Personal Finance Deals
Free Hardcover Book - Why One Way? (religious) by John MacArthur
Added on : Tuesday October 28th 2014 01:00:10 AM
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.gty.org/Radio/

4.5 out of 5 stars (20 customer reviews) on Amazon

A concise guide to understanding how and why the ancient Christian faith makes sense for today and a blueprint for communicating truth to a "truthless" and cynical generation.The book is centered around 6 key principles: objectivity, rationality, veracity, authority, incompatibility and integrity. In the ultimate apologetic, John MacArthur presents a case for Christianity that serves as a logical explanation as much as a solid defense.
Totally Free Deals
Hisense 40" 1080p LED HDTV - Refurbished $199.99 + SH @ Woot
Added on : Monday October 27th 2014 09:00:14 PM
g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 shipping adds $5


40" LCD panel - With a 1920 x 1080 Full HD resolution
True 16:9 aspect ratio - View your movies as the director intended
Wide 178-degree vertical and 178-degree horizontal angles - See a clear picture from anywhere in the room
Built-in digital tuner - Watch digital broadcasts, including HDTV programs where available
HDMI Inputs: 3 - Enjoy a superior HD experience with HDMI, the one cable audio/video solution
40" screen measured diagonally from corner to corner


www.woot.com/offers/hisense-40-1080p-led-hdtv-8
LED TV Deals

woot! Coupons
Hisense 40 in. Class LED 1080p 60Hz HDTV $249 w/FS @ Home Depot
Added on : Monday October 27th 2014 12:00:10 AM
g: 0 Posted By: ctgolfer
Views: 155 Replies: 0 The Hisense 40K24D 1080p LED HDTV enables you to get ready to dive into a pool of endless possibilities. Perfect for any occasion, this Hisense TV combines beauty and modern-day technology. The high definition and auDio system will keep you and your guests in constant admiration when you have friends over to watch the game, or cuddle with your loved ones on movie night. This is relaxation defined.
Black 40 in. diagonal 1080p LED HDTV
60Hz native refresh rate
40 in. FHD LED backlight with 1920 x 1080p resolution
250 nits brightness
2500:1 Static Contrast
5000:1 dynamic contrast
Viewing angle H/V 178 degrees x 178 degrees
8ms response time
TV system: ATSC/clear QAM/NTSC
8 Watt x 2 maximum audio output from embedded (down) speakers
Progressive scan, CCD, 3D digital comb filter
HD supported definitions: 480i,480P,720P,1080i,1080P
Digital noise reduction
Parental control, sleep timer, 5 band equalizer
RF input, RCA composite video (shared with component, L/R audio input for composite (shared with component
RCA component video input, l/r audio input for component
VGA input, audio input for VGA
2 HDMI, optical digital output, USB

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g: 0 Posted By: DaysFan
Views: 174 Replies: 1 KOHLER Wellworth White 1.28-GPF (4.85-LPF) 12-in Rough-In WaterSense Round 2-Piece Standard Height Toilet(46 Reviews) Write a ReviewPrice $119.00 Was: $149.00Save 20%PLUS, up to $150 in Rebates Qty.: KOHLER Wellworth White 1.28-GPF (4.85-LPF) 12-in Rough-In WaterSense Round 2-Piece Standard Height Toilethttp://www.lowes.com/pd_331676-20602-11464-0_4294927394+4294737213__?productId=50014342&Ns=p_product_qty_sales_dollar|1&pl=1tURL=%3FNs%3Dp_product_qty_sales_dollar%7C1&facetInfo=KOHLERlinked

Item #: 331676
Model #: 11464-0


The complete solution toilets are built for convenience and efficiency, providing everything you need in one box as they include the toilet bowl,...
The complete solution toilets do not include a supply line as the length needed varies per installation
Class Five flushing technology provides tremendous bulk waste flushing performance and best-in-class bowl cleanlinessClass Five flushing technology provides tremendous bulk waste flushing performance and best-in-class bowl cleanliness
Canister flush valve provides smooth flushing actuation with consistent water usage, flush after flush
Meets strict flushing performance guidelines established by the EPA's WaterSense program
Qualifies as high-efficiency toilet-consumer rebates are available in certain municipalities
1.28 GPF high-efficiency toilets provide significant water savings of up to 16,500 gallons per year versus an old 3.5 gallon toilet without sacrificing performance
Retail availability only
LA DWP customers are eligible for a rebate
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g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 ComfortSet temperature control with 10 heat settings
LCD display with back-lit dimmer and preheat
Exclusive wiring system senses and adjusts heat throughout the blanket for the peace of mind, only from Sunbeam heated bedding
10-hour auto-off: after a warm and restful night, the convenient auto-off feature turns the blanket off
6' power cord
Twin: 83" x 62"

www.walmart.com/ip/Sunbeam-Heated-Velvet-Plush-Electric-Blanket/...
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Rite Aid 11/2 - 11/8 (free Trident gum)
Added on : Friday October 24th 2014 12:00:07 AM
g: 3 Posted By: MrVietnam
Views: 535 Replies: 2 RA +UP Deals:

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g: 0 Posted By: Y3ll0wSlack3r
Views: 54 Replies: 0 Happiness: How to Stop Feeling Depressed, Hopeless, Lonely, Sad and Be Happy


Get it when it is still FREEBook DescriptionPublication Date: January 15, 2014Life Changing Wisdom on How To Be Happy
Are you ready to discover the secrets to happiness that work? The wisdom found in this book has the power to change your life from being on the edges of depression to smiling again. These are proven methods that work for overcoming sadness and obtaining gladness.

Amber Rain, the author, writes in such a way that you wont have to waste a lot of your time searching for the excellent content. NO! She writes in a numerical style that will allow you to start applying these principles to your life immediately.A Few Ideas from The Book On Happiness
1. A wise friend of mine says this to me all of the time: Have a nice day, unless youve made other plans. Please take a moment to think about that statement and let it soak into your thoughts and attitudes in the present moment. Are you planning on having a nice day today? Are you focused on all of the bad things in life? You really do have the power to change your life through making decisions about how you want your life to be.

2. Have you ever heard that what you focus on grows? If you focus all of your attention on all of the negative things in life, you will eventually begin to feel hopeless and overly discouraged. What are you focusing on in your life, good things or bad things?

3. Youve heard it said: Happiness is an inside job. The word job indicates that it takes effort to reach the place of being happy. I share with you the wisdom that has the power to set you on a pathway to having a happier life; all you have to do is apply wisdom. Can you make the decision right now, to really work on being happier?

When you are finished reading these 51 ways to be happier you will:

Have social skills that will help you interact with anyone at any time, even a stranger
Have the wisdom you need in order to get along with others
Understand the importance of having goals and be inspired to accomplish a few
Have gained insight into why you are feeling so sad and how you can counteract those feelings through changing your thinking and behavior patterns
Be inspired to make subtle changes in your life until they become routines that lead to happiness
Learned the most important key to being a happy person
Gained communication skills that will attribute to your happiness
And much, much more

Plus more ideas here how to be happy from the book:
18. Learn to delegate whenever possible, whether at work or at home. Frequently, you don't have to do everything yourself. Enlisting the support of family, friends and coworkers can build stronger relationships and decrease your sense of isolation. When you feel as though you are not alone, you will feel better about living.

19. Expectations lead to resentments. If you are expecting someone to act in a particular way, you are just setting yourself up to be irritated. Learn to live by this guideline: Live and let live. When you let go of trying to control outcomes, you will be a lot happier. Focus on the things you can change and let go of the things that you cannot.

The wisdom contained in this book will help relieve:
-Anxiety
-Depression
-Hopelessness
-Despair
-Uncertainty
-Fear of the future
-Regrets from the past

There are so many things that affect your happiness:
-Issues of rejection
-Abandonment issues
-Peoples attitudes
-Job situations
-Family life
-Daily routines

Inside of the happiness book, youll find all of the life-skills you need for living a much happier life.

Get the book now while its reasonably priced. Youll be glad you did.

Tags: How To Be Happy, Happiness, How To Be Happy Alone, How To Be Happy No Matter What, How To Be Happy All The Time, How To Be Happy Single, Depression, Sad, Lonely, Depressed, Happy People, Happy Thoughts, Happiness is a choice,How To Be Happy With Yourself, Being Happy
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/dp/B004LB4SDE

4.3 out of 5 stars (157 customer reviews)

Hugh of Singleton, fourth son of a minor knight, has been educated as a clerk, usually a prelude to taking holy orders. However, he feels no real calling-despite his lively faith-and he turns to the profession of surgeon, training in Paris and then hanging his sign in Oxford. Soon after, a local lord asks Hugh de Singleton to track the killer of a young woman whose bones have been found in the castle cesspool. Through his medical knowledge, Singleton identifies her as the impetuous missing daughter of a local blacksmith. The young man she loved-whom she had provoked very publicly-is quickly arrested and sentenced at Oxford. But this is just the beginning of the tale. The story of Singleton's adventure unfolds with realistic medical procedures, droll medieval wit, romantic distractions, and a consistent underlying sense of Christian compassion.
Seiko Watches Sale: Up to 74% Off w/ Free Shipping @ Ashford
Added on : Thursday October 23rd 2014 02:00:02 AM
g: 0 Posted By: ladyessense
Views: 0 Replies: 0 Seiko Event: Up to 74% Off - Ends November 4th 2014

Mens

Seiko Mens Dress Watch - $130.35
Seiko Mens Solar Watch - $115.50
Seiko Mens Core Watch - $108.75
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Seiko Womens Strap Watch - $59.99
Seiko Womens Bracelet Watch - $58.00
Seiko Womens Solar Watch - $69.99
Vacmaster 6-Gal. Stainless Steel Wet Dry Vacuum - $48.99 FS @Amazon
Added on : Thursday October 23rd 2014 01:00:04 AM
g: 0 Posted By: ladyessense
Views: 192 Replies: 0 Amazon has the Vacmaster 6-Gal. Stainless Steel Wet Dry Vacuum on sale for $48.99with free super saver shipping.

Also available atTargetfor$48.99withFree Shipping.
4.5/5 stars based on 131 customers reviews from Amazon.

Picks up wet and dry debris
Includes 7-ft. hose and 12-ft. cord
6 gallon storage tank and 3 horsepower motor

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Bulova Mens Rose Gold Plated Chronograph Watch - $99 FS @ Ashford
Added on : Wednesday October 22nd 2014 11:00:06 PM
g: 1 Posted By: ladyessense
Views: 133 Replies: 0 Ashford has the Bulova Men's Rose Gold Plated Chronograph Watch on sale for $182.00 - $83.00 with coupon code"AFFCHRONO99" = $99.00 with free shipping.

Stainless Steel Rose Gold Plated
Roman Numerals
Leather Strap
Japanese Quartz ( Battery - Powered)


The next best price is $179.00 from Amazon.
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Free Kindle book: Tin God
Added on : Wednesday October 22nd 2014 05:00:07 PM
g: 0 Posted By: Y3ll0wSlack3r
Views: 24 Replies: 0 Tin God
Stacy Green(Author) 4.5 out of 5 starsSee all reviews(310 customer reviews)
Digital List Price: $5.99 Print List Price: $14.99 Kindle Price: $0.00 You Save: $14.99 (100%)


Length:
Don't have a Kindle? Get your Kindle here.
Whispersync for Voice:
Series: Delta Crossroads Trilogy(Book 1)

Editorial ReviewsReviewStacy Green has the power to transport readers to a place and time. Whether it's the sticky heat of a Mississippi summer, or the cold terror of coming face to face with a murderer, her writing stimulates all the senses. TIN GOD is a very satisfying read.--Bestselling thriller author Rachel Abbott
Stacy Green has written an emotionally charged, thought-provoking and stunning mystery/suspense that will capture and hold you hostage until the last page is read.
--The Kindle Book ReviewStacy Green writes some of the best villains out there while at the same time keeping them well hidden. I highly recommend this book for adults who love suspenseful mystery with a dose of romance and a surprise you don't see coming. I will definitely be reading more of her stories. --Open Book SocietyFrom the Inside FlapTIN GOD is an action packed psychological mystery/suspense novel featuring a strong woman who is determined to stop a demented killer who will stop at nothing to bury the truth.About the Author Stacy Green is a writer to watch. Her second novel, Tin God, was runner up for The Kindle Book Review's 2013 Mystery/Thriller and an Amazon summer bestseller. A lover of mystery and suspense, Green's gritty thrillers deliver just the right amount of romance and intrigue.

Married to her college sweetheart, she's proud to be a lifelong Midwesterner. Contact her via her website to be notified of new releases or to just to chat about books! stacygreen.net Twitter: @StacyGreen26 Facebook: facebook.com/StacyGreenAuthor
ShoeBuy Coupon: $25.00 Off $75.00
Added on : Wednesday October 22nd 2014 02:00:02 AM
g: 0 Posted By: ladyessense
Views: 84 Replies: 0 Shoebuy is offering $25.00 Off $75.00 with free shipping.


Womens shoes
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Corona Bypass 2-in. Hand Pruner - $5.99 + F/S @ Sears
Added on : Wednesday October 22nd 2014 01:00:02 AM
g: 0 Posted By: ladyessense
Views: 0 Replies: 0 Sears has the Corona Bypass 2-in. Hand Pruner on sale for $5.99 with free shipping.
g: 0 Posted By: ladyessense
Views: 152 Replies: 0 A4C has the Carbon Audio Zooka Portable Bluetooth Speaker on sale for $13.95off with free shipping.

Landscape and portrait viewing
3.5 mm input jack
Bluetooth technology
Up to 8 hours Battery Life
Compatible with select iOS, Andriod, webOS, Windows 7 and QNX enabled devices
Colors: Red, Navy, Blue

According to Google Shopping next lowest price is $20.49 at eBay with free shipping.
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g: 0 Posted By: ladyessense
Views: 185 Replies: 0 A4C has theAltec Lansing Bliss Platinum Womens Headphones w/ In-Line Mic (White)on sale for$4.95with free shipping.

High quality audio
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3.6/5 stars out of 47 customer reviews on Amazon.Also sold on Amazon for$13.10 with free super saver shipping.
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Crock Pot 3-qt. Manual Slow Cooker (Red) - $12.99 + P/U @ Sears
Added on : Tuesday October 21st 2014 08:00:07 PM
g: 1 Posted By: ladyessense
Views: 84 Replies: 0 Sears has theCrock Pot 3-qt. Manual Slow Cookeron sale for $12.99 with free store pickup.


3 quart capacity
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If and how to retain an attorney for contingencies
Added on : Tuesday October 21st 2014 01:00:06 PM
g: 5 Posted By: ssgcinty
Views: 2066 Replies: 46 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her - even in the middle of night. (edited to add)

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

edited typo

Discussion Deals
Free Android App on amazon: Tiny Thief
Added on : Tuesday October 21st 2014 09:00:10 AM
g: 0 Posted By: sarahturtle
Views: 69 Replies: 0 http://amzn.com/B00EAIMGDW
Product Features

Six big adventures - sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!
Use cunning and skill - out-smart your tricky opponents using the element of surprise and some downright sneakiness!
Unexpected surprises - explore fully interactive levels and uncover hidden treasures and other surprises at every turn!


Product DescriptionJoin Tiny Thief on a big adventure!

In a world of greed, corruption and injustice, one little guy decides to stand up for the little guy! Say hello to Tiny Thief, an unconventional hero who uses cunning and trickery to out-smart his opponents across six epic medieval adventures. But beware! He faces fearsome foes, like the Dark Knight, rogue pirates and even a giant robot!

Tiny Thief brings back the magic from the point-and-click games of old, charming you with its very own visuatol style and offbeat sense of humor.

The game throws some seriously mind-boggling puzzles at you, with tons of surprising interactive gameplay elements along the way. So get ready to embark on an epic quest to save a princess and kingdom in peril!

Six big adventures sneak and steal your way through six epic quests, featuring an awesome pirate ship and daring castle siege!

Use cunning and skill out-smart your tricky opponents using the element of surprise and some downright sneakiness!

Unexpected surprises explore fully interactive levels and uncover hidden treasures and other surprises at every turn!

Tiny Thief is ready to start his big adventure. Are you?

Terms of Use: http://www.rovio.com/eula

Privacy Policy: http://www.rovio.com/privacy


Important Message for Parents

This game may include:
- Direct links to social networking websites that are intended for an audience over the age of 13.
- Direct links to the internet that can take players away from the game with the potential to browse any web page.
- Advertising of Rovio products and also products from select partners.
Technical Details

Totally Free Deals
g: 0 Posted By: ctgolfer
Views: 83 Replies: 0 price will show when added to cart

Portable, Versatile Speedlight Unit - i-TTL Speedlight optimized for use with Nikon's Creative Lighting System (CLS).
Complete Flash Head Positioning Freedom - Bounce 90 Degrees up and 7 Degrees down with 360 Degrees rotation elevates creative lighting freedom.
Wireless Flash Control - Wireless Commander Mode controls up to 2 remote Speedlight groups and an unlimited number of compatible Speedlights. When used as a remote speedlight up to 3 Groups can be selected. Four wireless channel options help manage wireless conflicts in multi-photographer environments.
Choose From 3 Light Distribution Patterns - Using the simple slider switch on the back of the SB-700, you can optimize light quality by selecting Standard for general illumination, Center-weighted for portraits or Even, for groups or interiors.
Color Filter Identification - Automatically identifies mounted hard type color filters and adjusts camera white-balance.
Automatic Format Identification - Automatically senses the FX or DX-format camera in use and optimizes light distribution.
Firmware Updating - Allows uploading of performance enhancement developments.
Nikon's Precision i-TTL Flash Control - Delivers precise flash exposures and seamless fill-flash performance?even in challenging lighting situations.
Hot Shoe and Wireless Operation - Use on-camera, as a wireless master, commander or remote light source.
Versatile Auto Power Zoom Coverage - Smoothly covers lenses as wide as 24mm and up to 120mm in FX-format.
Streamlined Controls and Menus - Convenient Rotary Select Dial sets key functions quickly and a prominent Master and Remote control switch simplifies wireless operation.
Flash Tube Overheat Protection - To prevent overheating, flash recycle time increases when SB-700 detects heat build-up.
Flash Value (FV) Lock - Locks in a specific flash output on the main subject, regardless of aperture, composition or the lens zoom position.
Drip-Proof Mounting Foot Cover (Water Guard) - Provides enhanced moisture protection.

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g: 0 Posted By: ctgolfer
Views: 34 Replies: 0 The fourth season of The Walking Dead finds Rick Grimes (Andrew Lincoln) desperate to rediscover his own humanity and preserve what he can of his son Carl's (Chandler Riggs) childhood through reinventing himself as a farmer while a counsel including Carol (Melissa McBride) and Daryl (Norman Reedus) in addition to several Woodbury ex-pats take on leadership roles. His newfound sense of peace is quickly Derailed, however, when a mysterious illness begins to decimate the community. Elsewhere, the disgraced Governor (David Morrissey) roams the apocalyptic streets on his own until happening upon a family of survivors who reignite both his will to survive and take revenge against Rick, who he blames for the loss of Woodbury. Following a massacre at the prison, the group is splintered into several factions, none of whom can be sure about the fates of the others, and forced to find shelter among a population of survivors that can pose as much and often more of a threat than the walkers themselves

www.bestbuy.com/site/walking-dead-season-4-5-discs-limited-editi...
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POS System similar to ShopKeep
Added on : Monday October 20th 2014 03:00:06 PM
g: 0 Posted By: Komrade
Views: 24 Replies: 0 Can anyone make a recommendation?

I initially liked ShopKeep, but they seem to be lacking common sense.

E.g. they have "Raw Goods" functionality (for tracking ingredients), and "Bulk Updates" functionality, but no Bulk Updates functionality for Raw Goods.

Then, once they make you enter all your Raw Goods via "units" (no lb, kg, or any other backend unit conversion for convenience), they let you associate your raw goods with end products (e.g. pizza out of food and packing materials, cabinet out of wood/hardware.. etc). They don't actually bother to add-up the cost of raw goods for you after you've done all that data entry.

So something like ShopKeep, but more intuitive.

If you suggest a different forum for advice on this, I'd appreciate it.
If and how to retain a attorney for contingencies
Added on : Monday October 20th 2014 11:00:14 AM
g: 1 Posted By: ssgcinty
Views: 72 Replies: 1 I love watching the TV show The Good Wife.
One recurring theme is someone gets in trouble and is able to call a very competent lawyer right away to represent him/her.

I already have an umbrella. But that does not protect me in all situations.
In case of an unforeseen event (e.g. My car skids and hits someone or my college kid screws up big time), how can I get a decent lawyer right away to get me out of a jam? Or stop my kid from saying something stupid?
In my line of work, I have no interaction with the police or attorneys. So I don't know anyone personally.

Does it make sense to have a good attorney on a retainer? How much does it cost - say in Chicago where the show is based?
Am I being paranoid?

PS:I repeat - It is TV show. So everything it shows must be true.
On top of that, I watch it on the internet. So all that must be doubly true.

Discussion Deals
Rite Aid 11/2 - 11/8
Added on : Monday October 20th 2014 02:00:06 AM
g: 0 Posted By: MrVietnam
Views: 120 Replies: 0 RA +UP Deals:

$1 UP WYB 2 L22/$5 Kelloggs Cereal (Frosted Flakes,
Rice Krispies, Apple Jacks, Corn Pops, Corn Flakes,
Raisin Bran, Pop-Tarts or RK Treats)

$4 UP WYB $12 L 2
BO50% Maybelline Cosmetics
$4/1 Maybelline Dream Wonder Liquid coupons.com

$2 UP L 1
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$1 UP L 2
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$10 UP WYB $25 L 2
All e-p-t Pregnancy Test Kits, Preconception Health, Home Fertility
and Ovulation Tests

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$5 UP L 2
$29.99 Nasacort Allergy ct?

$4 UP WYB 4 L 2
$4.99 Neo/Benadryl/Aveeno
BO50% Band Aid Bandages and Tapes
2/$6 Band Aid Badages, Hurt Free Wash, Neo Kid Wound Cleanser

$5 UP WYB 2 L 2
$5 ProFoot Care and Pro Clearz Antifungal Products

$10 UP WYB 2 L 1
BO50% I-Caps Eye Vitamins $5 MC adv

$3 UP L2
$5.99 Renu Multipurpose Solution 12 oz $1.50 MC adv

$1 UP L 2
$11.49 REfersh Tears

$20 UP L 1
Omron BP Monitors

$2 In-Ad for Visine Eyedrops any 15mL or larger

$2 UP L 2
Bo50% All One A Day, Citracal, Flintstones, TruBiotics
TruHeart, Phillips ColonHealth and Berocca

$5 UP WYB $15 L 2
Excedrin Extra Strength or Migraine Formula, or Mild Headaceh Formula

$3 UP L 2
$24.99 Nexium 42 ct $5 MC adv

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$1 UP L 2
$5.99 Tampax Tampons 48ct, Always 20-48 ct

$3 In-Ad Tena and Serenity Products

$2 UP WYB 2 L 2
2/$7 Caress or Dove Body Wash 12 oz, Select Dove/Degree AP/Deo,
Dove or Caress Bar Soap 2 pack, Dove Hair Care

$6 In Ad Roc Skin care (no bar code so not sure if MC or RQ) BUT
adv a $3 MC in "Most Sunday Papers" (In Ad excludes facial Cleansers)

$4 WYB $12 L 4 MONTHLY
Bo50% AmLactin/Aquaphor, Bio-Oil, CeraVe, Lubriderm, Cetaphil
Eucerin, Lubriderm, Panoxyl, Sebamed
BOGO Dove Adv Deo Get Dove Adv Shampoo Free OR
Buy Dove Adv Shamp/Cond and GET Dove Deo Free

$3 WYB 2 L ? MONTHLY
$4 Tresemme Shm/Con/Sty
$5 Tresemme Premium $2 MC adv

$3 WYB2 L 2
Conair or Scunci Hair Accessories, Brushes, Combs, or Rollers

$5 UP L 2
$34.99 Rogaine or Viviscal

$1 UP WYB 2 L 2
2/$7 Revlon Color Silk HC

$4 UP WYB $12 L 4
$3 Glade Candles, Wax Melts, Sense & Spra Refills
$8 Glade Automatic Spray and Sense & Spray Kits
$2/2 here


$2 Up L 2
$8.99 Swiffer Wet or Dry Refills

$5 UP WYB $25 L 2
toysrus GC

$6 Up WYB $25 L 2
Applebees, IHOP

$1 UP WYB 2 L 2
2/$7 Brookside, Lindt, Hershey's, Ghirardelli, Godiva

$1 WYB 3 L3
3/$3 Single Pack Gum

$1 UP WYB 2 L 2
2/$4 Mentos Bottle Packs
Grocery Deals
g: 2 Posted By: hellokitty27
Views: 279 Replies: 1 Home Depot has the American Standard H2Option 2-Piece Dual Flush Toiletfor $147.00 w/ in-store pickup. Received 4.5/5 stars based on 104 customer reviews.

2-piece design features a separate tank and bowl
Seat sold separately
Elongated bowl for greater comfort
ComfortHeight design features a height comparable to that of a standard chair to make sitting down and standing up easier for people of all ages
WaterSense certified high-efficiency design uses 1.28 gpf for significant water savings
Constructed with durable vitreous china for cleaner, long-lasting use
Fully glazed 2 in. trapway
5-Yr. Warranty

Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: priyacg
Views: 136 Replies: 0 Wireless Motion Sensor Light - 10 Super-Bright LED add on item $4.50 at Amazon

http://www.amazon.com/Wireless-Motion-Sensor-Light-Super-Bright/...

Instantly add motion-activated light for security and safety - indoors or outInfrared technology senses both movement and heat for fewer false activations; daylight-off functionCompact (3-Inch x 3-Inch) and lightweight (4.3-Ounce) lets you install almost anywhere; easy-mounting slot 10 super-bright LED cast pure white light, last for 100,000 hours, sip battery powerWire-free installation, operates for months on 3 AA batteries (not included); lead-free RoHS-qualityEffective tool for both security and safety; the sudden activation startles unwanted visitors but also provides safe entrance and room lighting for your family and guests. We were very impressed with the performance of this device in our tests. The sensor is quite sensitive, very quick to light and we experienced no false activations. An excellent way to add automatic light to dark closets and cabinets; makes a great night light for safer navigation without producing constant light - especially helpful during power outages. Effective range 10-15' front, 15-20' side-to-side, 30-second auto-off; white finish matches any decor. Outdoor installation should only be done where unit will be protected from direct exposure to elements. Also has constant-on setting when needed. 3-Inch x 3-Inch x 1-3/8-Inch; 4.3-Ounce with 3 AA batteries installed (batteries not included).
Electronics Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 95 Replies: 0 40" screen (measured diagonally from corner to corner)
A good size for a living room, or if you want a larger bedroom TV.
LED displays perform well in all lighting conditions
They also deliver plasma-like deep blacks and rich colors.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
60Hz refresh rate
Images refresh 60 times per second for basic performance during fast-motion scenes.
2 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable not included.
USB input
Easily view pictures stored on your compatible USB device.

www.bestbuy.com/site/hisense-40-class-40-diag--led-1080p-60hz-hd...
g: 0 Posted By: VivYip
Views: 261 Replies: 2 Sold by One Source Wireless and Fulfilled by Amazon.

I was sorta depressed at the price of the upcoming nexus 6 and from the confusing email that I mentioned here

Anyway, One Source Wireles via Amazon seems to be selling the incredible 2 for $94.97 with free shipping

http://www.amazon.com/DROID-Incredible-Android-Verizon-Wireless/dp/B005OWWF66/
The HTC Droid Incredible 2 is the follow-up to the highly popular Incredible adding a front-facing camera, global roaming capability, and upgrades to a faster processor and larger 4-inch display
This Android smartphone also comes equipped with an 8 megapixel camera, WiFi, and multi-format music player
Other features include turn-by-turn GPS navigation, HTC Sense software, 3.5mm audio jack, microSD memory card slot for additional storage, and FM radio
Equipped with quad-band GSM and WCDMA modes, this device is capable of international use
The Incredible also offers access to thousands of apps, games, movies, and music available on Google's Play Store
Will this phone work on page plus
A:
yes I personally used an incredible 2 on page plus for a long time. it is probably the best phone available to use on page plus without any modifications. Highly recommend this phone on page plus.

While it's not the newest phone, I think it's a decent phone for prepaid use. Thank you for reading.
Cell Phones Deals

Amazon Coupons
Car Accident Question - Rental Car
Added on : Wednesday October 15th 2014 06:00:09 AM
g: 0 Posted By: CalBear07
Views: 43 Replies: 1 Hopefully this isn't to off topic but I feel like FW finance people would know the answer to my question.

I was rear ended last week and the other driver admitted fault immediately. A few days after the accident, I got a call from the driver's insurance (State Farm
) and they said they would take 100% responsibility and I just had to take the car to a shop of my choice to get an estimate and their adjuster would go out to approve the repairs. However, the guy I talked to made it very clear that they would not pay for a rental car for me until the repairs began (i.e. If I drop my car off at a shop on Monday but State Farm
doesnt make it out until Thursday to see the car, I'm SOL for those 3 days and I have to pay for the rental car myself). Does that make any sense and is that common? I'm not trying to rip off State Farm
but how am I supposed to get to work for those days where I don't have a car?

Thanks
Question Deals
g: 0 Posted By: remick
Views: 87 Replies: 0 http://www.amazon.com/dp/B008EGRFWI/

4.6 out of 5 stars (410 customer reviews)

When truth doesnt make sense, will lies prevail?
Cathy Cramer is a former lawyer and investigative blogger who writes commentary on high-profile homicides. When she finds a threatening note warning her that shes about to experience the same kind of judgment and speculation that she dishes out in her blog, Cathy writes it off as mischief . . . until her brothers wife is murdered and all the facts point to him. The killer has staged the crime to make the truth too far-fetched to believe. Working to solve the murder and clear her brothers name, Cathy and her two sisters, Holly and Juliet, moonlight as part-time private investigators. Juliet, a stay-at-home mom of two boys, and Holly, a scattered neer-do-well who drives a taxi, put aside their fear to hunt down the real killer.

About the Author
Terri Blackstock (www.terriblackstock.com) has sold over six million books worldwide and is a New York Times bestselling author. She is the award-winning author of Intervention, Vicious Cycle, and Downfall, as well as such series as Cape Refuge, Newpointe 911, the SunCoast Chronicles, and the Restoration Series.
Books Deals

Amazon Coupons
g: 1 Posted By: remick
Views: 118 Replies: 0 http://www.amazon.com/dp/B00EPFSXV4

5.0 out of 5 stars (21 customer reviews)

>>> A user friendly guide to buy a franchise
This book is a user friendly guide to assist you in making the best decision when you buy a franchise. Making the best decision is to make sure you have the right information. This franchise guide is an excellent resource to make sure that you will buy a franchise and will know what are the right questions to be asked.

>>> You want to learn everything you can when you buy a franchise!
As a prospective franchisee, your intention is to acquire a specific franchise opportunity. You're not buying franchising in general - you're investing in a specific name or brand. You want to learn everything you can about the specific company you intend to buy, including: How many of the company's franchisees - succeed? are satisfied with the franchisor? earn at least $150,000 a year?

>>> A logical system about investing in a franchise opportunity
The book includes a series of checkpoints that anyone can use to explore and evaluate franchise opportunities. If you enjoy following a plan that will help you gather information so that you can make an educated decision, then you will love this book. This franchise guide presents a logical system that's designed to help people make important decisions about investing in a franchise opportunity. Each of the checkpoints introduces an important idea, concept, or suggestion about franchising. Collectively, these are the points you need to consider before investing in a franchise.

"Buy 'Hot' Franchises Without Getting Burned" will help you:
Understand what franchising is all about before investing your money.
Evaluate the pros and cons of becoming a franchisee.
Get free assistance from a variety of resources.
Know how to investigate franchise opportunities that appeal to you.
Read and understand the Franchise Disclosure Document
Protect yourself by knowing your rights as a prospective franchise.
Get a list of franchisees to call and visit before you invest.
Make sense of the initial franchise fee.
Understand franchise fees, including the royalty and marketing fees.
And much much more...

Most Helpful Reader Reviews
"This book is like a road map that every potential franchisee should follow." - Donna Karlsons
"Don't consider any franchise until you have worked through the checklist in this book! John Hayes explains clearly what you must know to make a good decision about investing in a franchise." - Adam J. Savage
"The author takes a realistic look at all the things that should be considered when buying a franchise and puts them in proper perspective." - mswtex
"No one should buy a franchise before reading this book! Dr. Hayes presents the fundamentals of franchising in Cliffs Note version with all the right questions to ask" - Mark Huckins
Totally Free Deals
g: 3 Posted By: remick
Views: 675 Replies: 0 http://www.amazon.com/gp/product/B00E0HOBUY

4.5 out of 5 stars (16 customer reviews)

This handbook presents acupuncturists with an overview of the current research literature and a useful framework for evaluating the clinical considerations of acupuncture treatment in the management of neuromusculoskeletal pain.

We provide information that can inform the application of all approaches to acupuncture practice for pain problems. We recognize that acupuncture practice is diverse and do not advocate one approach over another.

The handbook is intended to serve as a simple aid in the clinic and as an adjunct to reference texts and other sources. Please dont attempt to use this handbook as a comprehensive work of clinical diagnosis and treatment reasoning its certainly not intended for that purpose.

This book is a collaboration of expertise and as this is the first edition, we appreciate any feedback regarding its readability and usefulness to your clinical practice. We welcome your contributions for future editions.



also free

Anti Inflammatory Diet Recipes: Learn the Foods and Recipes that Reduce Inflammation Protect Your Heart, and Increase Weight Loss
http://www.amazon.com/Anti-Inflammatory-Diet-Recipes-Inflammatio...

Today, a number of people are faced with the struggle called inflammation. In fact, inflammation has often been termed as the leading cause for a number of diseases such as diabetes, arthritis, allergies, hypertension, fibromyalgia, lupus and other autoimmune disorders. This book will not only explain the linkage between inflammation and diseases, but also help you understand the essential components of an anti-inflammatory diet and lifestyle.
While this is not a weight loss diet, following this diet and lifestyle can bring some proven weight loss benefits.
The book will provide details on the foods that you should avoid along with recommendations for the ones that you should begin to consume. You will also get some useful tips on how you should shop for anti-inflammatory foods. The book is packed with twenty five interesting anti-inflammatory recipes for you to try and begin your journey towards a healthier and happier life.
You may use this book as your single most tool for attaining optimum health, through diet and lifestyle modifications that encourage substantial reduction in inflammation.



Best Practices in Chronic Pain Management-Multidimensional Assessment to Multimodal Treatment
http://www.amazon.com/Practices-Management-Multidimensional-Asse...

This multimedia eBook examines neurobiologic processes that contribute to chronic pain. Expert faculty also address how new mechanistic insights should shape best practices in pain assessment and treatment. The goal is to help clinicians maximize analgesia, functioning, and patient safety.



5-Minute Chi Boost - Five Pressure Points for Reviving Life Energy and Healing Fast
http://www.amazon.com/gp/product/B00E0HOBUY
4.5 out of 5 stars (16 customer reviews)

When thinking about the acupressure, most of us think about the procedures that are somewhat complicated to learn. Therefore majority of people never try using it or if they do, they give up quickly. However the acupressure (ancient art of healing by simple use of hands and fingers) in this book is well proven self-healing processes that anyone can learn fast.
The author (Master of traditional Chinese art of Chi Kung, Sifu William Lee) in this book reveals simple techniques you can easily apply and enjoy immense energy boost that you (most probably) need! INow, you can relieve yourself from headaches, lack of energy and tiredness, colds and flu, insomnia, lack of focus and ability to concentrate, chronic pains and many other disorders of health. This 5-Minute Chi Boost method is all about providing maximum results to readers in simplest possible way. Using photos and detailed descriptions this book explains all that one needs in order to know about why and how to apply ancient Chinese Art of Chi Kung, without need of anything else.
This is really simple yet powerful method that helps people get more energy, feel great, heal faster and stay healthy.



Home Remedies for Treating Back Pain: Simple Steps for Relief
http://www.amazon.com/Home-Remedies-Treating-Back-Pain-ebook/dp/...

Home Remedies for Treating Back Pain is a comprehensive guide to help sufferers to alleviate the problems of pain on a day to day basis. The book covers many way to deal with your back pain at home and may save you having to hide the pain behind unnecessary medication.
When the body hurts, the message sent through to the brain is that there is something wrong. By understanding more about how your own activity may aggravate your back, you will be able to live a pain free life. Back pain is extremely complex and can manifest itself in many ways.
Follow through the guidelines shown and you will not only learn to stem back pain in its tracks, but you will also learn how you can stop it from manifesting itself in the future. Your backbone is the very strength of your body. The book takes you through exercises and treatments help you to get to grips with problems that occur because of posture, problems that occur because of repeated actions, seating positions, etc., so that you are better equipped to keep your back pain free.
The way that pain works by sending signals also means that the pain caused by the back may indeed show itself in other areas of the body. Sciatica, for example, commonly sends pain down the back of the leg. Pain down the front of the leg can be caused by trapped nerves. Neck pain and headache can be as a result of something being amiss with your back.
By walking through all the help given by the book, which has been written by a long term back pain sufferer, you will be able to go forward in your life and learn how to strengthen the back against the ravages of pain.
Once you do, you will be very pleased that you chanced upon this book. Its intention is to help people to come to terms with what is happening to cause pain and to treat it at home so that pain is minimized and remedied by future actions which help to stop the pain coming back. Its common sense, although its also a book that couldnt have been written by someone with little experience of back pain. The treatments suggested in the book are as a direct result of treatments tried and proven to be effective in stemming back pain. The book may indeed be your step into a new life without pain.
Books Deals
g: 2 Posted By: remick
Views: 197 Replies: 0 http://www.amazon.com/gp/product/B00E0HOBUY

4.5 out of 5 stars (16 customer reviews)

This handbook presents acupuncturists with an overview of the current research literature and a useful framework for evaluating the clinical considerations of acupuncture treatment in the management of neuromusculoskeletal pain.

We provide information that can inform the application of all approaches to acupuncture practice for pain problems. We recognize that acupuncture practice is diverse and do not advocate one approach over another.

The handbook is intended to serve as a simple aid in the clinic and as an adjunct to reference texts and other sources. Please dont attempt to use this handbook as a comprehensive work of clinical diagnosis and treatment reasoning its certainly not intended for that purpose.

This book is a collaboration of expertise and as this is the first edition, we appreciate any feedback regarding its readability and usefulness to your clinical practice. We welcome your contributions for future editions.



also free

Anti Inflammatory Diet Recipes: Learn the Foods and Recipes that Reduce Inflammation Protect Your Heart, and Increase Weight Loss
http://www.amazon.com/Anti-Inflammatory-Diet-Recipes-Inflammatio...

Today, a number of people are faced with the struggle called inflammation. In fact, inflammation has often been termed as the leading cause for a number of diseases such as diabetes, arthritis, allergies, hypertension, fibromyalgia, lupus and other autoimmune disorders. This book will not only explain the linkage between inflammation and diseases, but also help you understand the essential components of an anti-inflammatory diet and lifestyle.
While this is not a weight loss diet, following this diet and lifestyle can bring some proven weight loss benefits.
The book will provide details on the foods that you should avoid along with recommendations for the ones that you should begin to consume. You will also get some useful tips on how you should shop for anti-inflammatory foods. The book is packed with twenty five interesting anti-inflammatory recipes for you to try and begin your journey towards a healthier and happier life.
You may use this book as your single most tool for attaining optimum health, through diet and lifestyle modifications that encourage substantial reduction in inflammation.



Best Practices in Chronic Pain Management-Multidimensional Assessment to Multimodal Treatment
http://www.amazon.com/Practices-Management-Multidimensional-Asse...

This multimedia eBook examines neurobiologic processes that contribute to chronic pain. Expert faculty also address how new mechanistic insights should shape best practices in pain assessment and treatment. The goal is to help clinicians maximize analgesia, functioning, and patient safety.



5-Minute Chi Boost - Five Pressure Points for Reviving Life Energy and Healing Fast
http://www.amazon.com/gp/product/B00E0HOBUY
4.5 out of 5 stars (16 customer reviews)

When thinking about the acupressure, most of us think about the procedures that are somewhat complicated to learn. Therefore majority of people never try using it or if they do, they give up quickly. However the acupressure (ancient art of healing by simple use of hands and fingers) in this book is well proven self-healing processes that anyone can learn fast.
The author (Master of traditional Chinese art of Chi Kung, Sifu William Lee) in this book reveals simple techniques you can easily apply and enjoy immense energy boost that you (most probably) need! INow, you can relieve yourself from headaches, lack of energy and tiredness, colds and flu, insomnia, lack of focus and ability to concentrate, chronic pains and many other disorders of health. This 5-Minute Chi Boost method is all about providing maximum results to readers in simplest possible way. Using photos and detailed descriptions this book explains all that one needs in order to know about why and how to apply ancient Chinese Art of Chi Kung, without need of anything else.
This is really simple yet powerful method that helps people get more energy, feel great, heal faster and stay healthy.



Home Remedies for Treating Back Pain: Simple Steps for Relief
http://www.amazon.com/Home-Remedies-Treating-Back-Pain-ebook/dp/...

Home Remedies for Treating Back Pain is a comprehensive guide to help sufferers to alleviate the problems of pain on a day to day basis. The book covers many way to deal with your back pain at home and may save you having to hide the pain behind unnecessary medication.
When the body hurts, the message sent through to the brain is that there is something wrong. By understanding more about how your own activity may aggravate your back, you will be able to live a pain free life. Back pain is extremely complex and can manifest itself in many ways.
Follow through the guidelines shown and you will not only learn to stem back pain in its tracks, but you will also learn how you can stop it from manifesting itself in the future. Your backbone is the very strength of your body. The book takes you through exercises and treatments help you to get to grips with problems that occur because of posture, problems that occur because of repeated actions, seating positions, etc., so that you are better equipped to keep your back pain free.
The way that pain works by sending signals also means that the pain caused by the back may indeed show itself in other areas of the body. Sciatica, for example, commonly sends pain down the back of the leg. Pain down the front of the leg can be caused by trapped nerves. Neck pain and headache can be as a result of something being amiss with your back.
By walking through all the help given by the book, which has been written by a long term back pain sufferer, you will be able to go forward in your life and learn how to strengthen the back against the ravages of pain.
Once you do, you will be very pleased that you chanced upon this book. Its intention is to help people to come to terms with what is happening to cause pain and to treat it at home so that pain is minimized and remedied by future actions which help to stop the pain coming back. Its common sense, although its also a book that couldnt have been written by someone with little experience of back pain. The treatments suggested in the book are as a direct result of treatments tried and proven to be effective in stemming back pain. The book may indeed be your step into a new life without pain.
Books Deals
g: 0 Posted By: remick
Views: 194 Replies: 0 http://www.amazon.com/gp/product/B00K6MYQEI

A book of Business and Financial research. Understanding finance from a research perspective is always interesting. Innovative research is used and the book throws light of finance and business correlations with a practicality that can be implemented. It is a way of seeing finance.



also free

Sources of Wealth
http://www.amazon.com/Sources-Wealth-Andrea-Plos-ebook/dp/B00BB8...

This book is a no-nonsense, easy-to-follow guide for everyone who has ever been afraid of finance. In it youll find the tools to help you grow your money and increase your peace of mind, and youll find the confidence to achieve the things youve always dreamed of.
In this book, you will learn about the different types of investmentfrom paper assets to Real Estate, as well as how to assess and manage risk, set achievable goals, and even start your own business. Well meet some successful people and examine the decisions they made that helped them achieve successincluding the skills they developed, which sectors they invested in, and how they approached the opportunities and problems that came their way.
Two of the most vital lessons you will learn are how to approach life with a positive attitude and how to develop the skills to handle whatever challenges come your way with confidence and ease.



Street Smarts The Business of Life: 5 Principles That Will Change Your Life
http://www.amazon.com/Street-Smarts-The-Business-Life-ebook/dp/B...

Would you like to achieve all your goals, become successful and reach your full potentialeither in your current career, a new business venture or simply in your personal life? Do you think about all the changes you need to make in your life and wish for change but arent sure how to get started?
It is possible to reach your goals and attain the success youve always wanted and the steps probably arent as overwhelming or intimidating as you imagine they might be.

Street Smarts contains a series of proven principles and insights Ive gathered through the years I spent living in the streets. These principles helped me go from being homeless to becoming a successful entrepreneur in the digital industry. The good news is, no matter at what point youre at in your own life, you can also make the positive changes you need to become successful. In Street Smarts, I lay out simple principles and insightful ideas and show you how to apply them in your daily life in order to reach your goals.
This book is a simple step-by-step guide with exercises that will encourage you to take action and apply these philosophies to your daily life. By adhering to the following advice, you will be able to accelerate your results, analyze what you are currently doing to see whats working and whats not, and make the necessary changes to live a happier and better quality of life.



Market Yourself to the Top!: A Headhunter's new job-winning "Personal Marketing Portfolio" and "Search Plan" that beats the resume! (Market2top! Book 1)
http://www.amazon.com/Market-Yourself-Top-Headhunters-job-winnin...

Learn the secrets in this book on how to:
Create your very own custom Execufirm Marketing Portfolio / Brand like a
professional.. Graphic Designer
Market your Marketing Portfolio like a. Headhunter
Win the job Interviewing like a. Professional Vendor
"This is much more than just another 'how-to' book on finding a better career.
This method will REVOLUTIONIZE the entire landscape of the American job
market! The Execufirm Marketing Portfolio ushers in a whole new era in personal
marketing."



Productivity Hacks Unleashed: Brilliant Life Hacks To Increase Productivity, Improve Time Management, Save Money And Live A Better Life (FREE BONUS INCLUDED) ... Productivity Hacks, Time Management Book 1)
http://www.amazon.com/Productivity-Hacks-Unleashed-Brilliant-Man...

DISCOVER HOW TO BE MORE PRODUCTIVE, HAVE BETTER TIME MANAGEMENT, SAVE MONEY AND LIVE A MORE AWESOME LIFE WITH PRODUCTIVITY HACKS UNLEASHED!



BizEtiquette
http://www.amazon.com/BizEtiquette-Cassie-Piasecki-ebook/dp/B009...

A Small but Mighty Etiquette Guide for Entrepreneurs, Small Biz Owners, Freelancers, Independent Contractors, and anyone who just wants to be a bit more classy in Biz.
As a lifestyle entrepreneur, I work and socialize with many entrepreneurs, freelancers and independent contractors. I realize everyone is not cut from the same bolt of etiquette cloth that I am. As technology becomes smarter, I have noticed that the lines of good etiquette are blurred even more.
The best way for me, up until now, to teach others about good BizEtiquette was by example. I set the standards of how I ran my biz and hoped a droplet of good etiquette stuck to the people I met. People can argue that you shouldnt worry what others think of you. But in this world, the way it is today, competition is fierce and news travels fast. Id rather ensure that my actions show me as a biz owner with honesty, integrity and a little good karma thrown into the mix than as a haphazard gal with a who gives a s*#t attitude when dealing with customers and vendors.
This little guide is filled with a lot of common sense, some helpful hints and a bit of humor. It is the perfect guide for anyone just starting out in the biz world and those who need to bring the blurred lines of good etiquette into sharp focus.



Master Problem Solving and Decision Making: How to use the power of creative thinking to solve problems and make inspired decisions
http://www.amazon.com/Master-Problem-Solving-Decision-Making-ebo...

This book teaches you a systematic approach to problem solving that it based on Creative Problem Solving strategies.
The book contains three sections:
Section 1 looks at creative thinking which is the key skill required to solve problems effectively. What is creative thinking? How can it be developed? What blocks creativity?
Section 2 takes you step by step through a process that finds creative solutions for all areas of your business or personal life. This is called the Solved Method which is the practical application of creative thought.
Section 3 provides example scenarios that utilise the Solved Method.



Operation Money: A Financial Guide for Military Service Members and Families [Kindle Edition With Audio/Video]
http://www.amazon.com/Operation-Money-Financial-Military-Familie...

"From investing in education and affording a home to choosing the right credit products and adequately saving for retirement, Operation Money offers military-specific advice to achieving financial stability." --Michael E. O'Neill, Chairman, Citigroup Inc., First Lieutenant, U.S. Marine Corps, 1969-1971

When it comes to money, military service members and their families face financial challenges that civilians simply dont.
While serving on active duty, members of the military are typically asked to move every few years and must learn how to manage money during multiple deployments. And managing the finances means figuring out a way to maintain a balanced budget while communication is limited. Meanwhile, the spouse at home is essentially functioning as a single parent without the necessary skills and tools to make serving as the familys Chief Financial Officer as easy as possible.
That is, until now.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 72 Replies: 0 http://www.amazon.com/gp/product/B005G82AF4

5.0 out of 5 stars (16 customer reviews)

Youve just played two great shots to get onto the green.... and then fluffed the easiest of putts!How did that happen?
Surprisingly it has little to do with your ability. It comes down to something you may never have considered; its habit. Habits can make you do things you really didnt want to do, yet most golfers remain unaware of their influence.
The innovative golf tips in this book, will help you get into The Zone to breakthrough the performance limiting habits holding you back and let you take greater control over your game. You'll discover why you may not be getting the most from your golf instruction books or Coach, and how to improve your game by making it simpler.
You'll learn how to:-

1) eradicate those annoying mistakes
2) increase your distance by using less effort with your golf swing
3) improve accuracy by not trying
4) simplify your golf

You can do all this once you get into The Zone, the ultimate state in which to play at your peak and take your game to levels beyond your expectations.
The book is internet linked to further resources included in the cover price. These include audio files of the techniques to download onto an mp3 player to take onto the course or range, plus advice on posture and sports injury in the form of ebooks and videos.



also

Open Mind: An Introduction to Silent Mind Golf
http://www.amazon.com/Open-Mind-Introduction-Silent-Golf-ebook/d...
Totally Free Deals
g: 0 Posted By: dogmomof5
Views: 136 Replies: 0 http://www.amazon.com/gp/product/B00447FA7S/


A great deal!
Health Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 Tri-Frequency Radio System with multiple frequency system virtually eliminates the effects of interference caused by products in and around the home, helping to make sure you can access the garage every time and from the greatest distance.
DieHard Battery Backup system provides up to 20 open/close cycles in the first 24 hours of a power outage. Always charged to allow door control, safety sensors, and remotes to operate on stored power.
Wireless keyless entry pad, allows entry into garage without a key or remote using a secure 4-digit programmable PIN.
Timer-to-Close feature can automatically close the door after a set period of time.
Smart Motion LCD Wall Control displays time, temperature and system diagnostics in one convenient location.
Program remotes and keypads from the wall control, no need to get on a ladder to access the learn button.
Quick Install Rail System provides faster and easier installation, assembles in 60 seconds.
Simple user interface with Electronic Limits and Automatic Force Settings that automatically monitors, sets and adjusts the force required to open and close the garage door during temperature fluctuations.
Energy Efficient sleep mode uses less than one (1) watt of power.
Safety and Security

Motion Detecting Wall Control turns opener lights on in the garage when motion is sensed.
Protector System safety reversing sensors with Rapid-Snap brackets automatically reverses the door if anything interrupts the beam while the door is going down.
Sensing technology will stop the door from closing if contact is made with a person or object.
PosiLock System theft protection system securely locks door when it is down preventing intruders from entering garage.
Anti-burglary Coding Technology assures that a new code is sent every time the remote control is used.
Connectivity

Monitor and control your garage door and home lighting from anywhere* with Assurelink Connectivity.
*Assurelink connectivity hub and internet connection required for app control (#54900 sold separately).
Compatible with HomeLink in-vehicle remote control system (may require an external adapter depending on the make, model, and year of your vehicle; visit www.homelink.com for additional information).
Included in the box:

Power unit with two (2) Light Lenses
Two (2) 3-function Security+ 2.0 Remotes
One (1) Wireless Keyless Entry Pad
Smart Motion Detecting LCD Multi-function Wall Console
DieHard Battery
Safety Sensors
Rail, Hardware, and Owners Manual


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Credit Card Statement Cut Dates
Added on : Saturday October 04th 2014 07:00:07 PM
g: 0 Posted By: noelandres
Views: 88 Replies: 4 I need to know exactly when my statement cuts for each credit card. I noticed that different credit card companies have different formulas for deciding when the statement cuts.

Chase, Discover and Barclays seem to always cut the statement on the same day of the month. While Amex, Citi, and BoA(FIA) have cut on a different date each month. I called each
company and asked about this. Amex was very helpful, in part because their method is very simple. They always give you 25 days of grace. So the formula in Google Sheets is:

=DAY(EOMONTH(TODAY(),0))-XX

Where XX is a number that depends on your payment due date (XX=25-Due Date). So, if your Due Date is on the 15th, then XX = 25-15=10.

Now, I can't figure out Citi's or BoA's formula. The CSR tried to explain to me how they decide it. But it just doesn't make sense. I wonder if anyone has figured out how those 2 CC companies decide the statementcut date. At this point, I just asked them for the closing dates in the next 12 months, but this is not a permanent solution. I'll have to call and ask them again in 1 year.

Any help with this would help out a lot. I'm hoping I'm not the only one who keeps track of most of their CCs information, so hopefully someone has already this figured
out.

Thanks for any input.


Credit Deals
Hisense 55T880UW 55" 4K UHD Smart LED HDTV $500 FS at Costco
Added on : Saturday October 04th 2014 06:00:03 PM
g: 0 Posted By: Jamesbear
Views: 1 Replies: 0 Costco has the Hisense 55T880UW 55" 4K UHD Smart LED HDTV for $500 with free shipping.

Looks like it's $850+ everywhere else. Amazon has it for $1300.

linky to Costco.

linky to amazon reviews.

Fisher-Price Brilliant Basics Rock-a-Stack $4.02 @ Amazon
Added on : Friday October 03rd 2014 11:00:03 PM
g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 add-on item - ships with any qualifying order over $25

Bright colors, shiny reflections and swirling beads stimulate visual development
Placing rings on post strengthens eye-hand coordination
Helps baby learn to differentiate among colors and sizes of rings
Hands-on activities strengthen baby's sense of touch
Ships in Frustration-Free Packaging

www.amazon.com/gp/product/B00CQHYX08/
Your Choice: Refurbished 32" & 40" HDTVs $139.99-$239.99 + SH @ Woot
Added on : Friday October 03rd 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 49 Replies: 0 shipping adds $5

Sony 40" 1080p LED HDTV$299.99Refurbished
Hisense 40" 1080p LED HDTV$219.99Refurbished
Samsung 32" 720p LED HDTV$199.99Refurbished
VIZIO 32" 720p Full-Array LED HDTV$179.99Refurbished
Element 32" 720p LED HDTV$139.99Refurbished

Sony Deals

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g: 0 Posted By: ctgolfer
Views: 158 Replies: 0 System: Google Android 4.4 KitKat
Processor: 2.2 GHz / Quad Core / Qualcomm Snapdragon 800 MSM8974
Memory: Internal: 16 GB / RAM: 2 GB / Slot type: microSD / Max. slot capacity: 64 GB (SDXC supported)
Display: 6.44" / TRILUMINOS Display with X-Reality / Resolution: 1920 x 1080 pixels / Face Unlock
Camera: 8 Mpixels / HDR / 16x Digital Zoom / Video: 1080p full HD / Front: 2 Mpixels
SIM card: micro-SIM
Network: GSM/EDGE/GPRS (850, 900, 1800, 1900 MHz) / 3G (850, 900, 1700, 1900, 2100 MHz) / 4G LTE (700, 850, 900, 1700, 1900, 2100, 2600 MHz)
Wireless: Bluetooth: 4.0 / WiFi: 802.11 a/b/g/n/ac (2.4 & 5 GHz) and Wi-Fi Hotspot / DLNA / NFC (Android Beam)
Connection: Jack 3.5 mm / Micro USB
GPS: aGPS, GLONASS
Sensors: Senser-on-lens
Battery: 3000 mAh (Built-in)
Battery life: Standby time: > 790 h / Talk time: > 14 h
Body: Dust-proof and water-resistant (IP55 / IP58)*
Weight: 212 grams
Dimensions: 179 x 92 x 6.5 mm


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Cell Phones Deals
Hisense 4K 55 LED Smart HDTV $849 @ TigerDirect via eBay FS
Added on : Tuesday September 30th 2014 11:00:02 AM
g: 0 Posted By: mbenzgt
Views: 118 Replies: 0 Hisense 4K 55 LED Smart HDTV $849 free ship @ TigerDirect via eBay


http://www.ebay.com/itm/Hisense-55-4K-UHD-Smart-LED-TV-UHD-3840x2160-6-5ms-4x-HDMI-WiFi-55T880UW/351181565113

LED TV Deals
g: 0 Posted By: tedhawkins
Views: 167 Replies: 0 Fisher-Price Disney Jake and The Never Land Pirates Rolling Submarine Bucky $17.99 Fs Prime Amazon

http://www.amazon.com/dp/B00JC3MNQU/

Transform Bucky into a submarine!

Come and play with Jakes magical Bucky pirate ship that has the ability to transform into a submarine to help Jake and crew accomplish their treasure hunting missions in Never Land. Submarine Bucky's Never Sea Adventure playset includes 1 Jake figure and 3 projectiles. With one pull up of the periscope, Bucky instantly transforms into his submarine.


Launch the Cannon! Shoot "water balls" at the monster squid!
View larger

Bucky magically transforms from a ship to a submarine!
View larger
Defend the treasure!

Slide in one of the 3 projectiles to defend the treasure against Captain Hook. Open the side doors to place Jake inside Sub Bucky. Place him on the periscope platform and manually spin the periscope and watch Jake spin around as he keeps a look out. As Bucky rolls he rocks to the waves as if he is gliding through the ocean on his treasure hunt!

Rock the Never Sea!

Our favorite Preschool pirate Jake, and his trusty ship Bucky are back for another adventure!! Bucky can transform into pretty much anything to help for Jakes adventures. This time, Bucky is helping Jake take his pirate adventures into the deep sea. With Jake, a giant attacking squid, hidden treasure, and transforming Bucky, this adventure is sure to rock the Never Seas!

What do I get?

The playset includes 1 Jake figure, 3 projectiles, a giant squid and a hidden treasure location on the ship deck. With a pull up of the periscope, Bucky instantly transforms into submarine mode.



Help Jake explore the Never Sea!
View larger
How does Jake help my child learn and grow?

Pretend play helps foster curiosity, discovery, imagination and creativity as well as encouraging thinking and problem solving. Playing with Jake promotes development of sensory and fine motor skills and well as balance, coordination and gross motor skills. Like all Disney toys, Jake nurtures sharing and cooperation, listening and communication, self-expression and confidence, as well as rekindling a sense of security and happiness!


Features

Includes Jake, 3 projectiles, & squid
Pull up periscope to transform Bucky into sub
Shoot water balls
Squid hooks onto cage
Roll ship fins magically move
Toys Deals

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g: 2 Posted By: remick
Views: 255 Replies: 0 Fred 2.0: New Ideas on How to Keep Delivering Extraordinary Results
http://www.amazon.com/gp/product/B008PX0IS8/
4.9 out of 5 stars See all reviews (54 customer reviews)

Nine years ago, bestselling author and business consultant Mark Sanborn introduced the world to Fred, his postman, who delivered extraordinary service in simple but remarkable ways. Freds story inspired millions. Companieseven, citieswere inspired to turn the ordinary into the extraordinary each day.
Today, with stiff competition from the networked global economy, delivering extraordinary results is more important than ever. With Fred 2.0, Mark not only revisits the original Fred to gain new insights, but also equips all of us with new strategies to achieve more. Youll not only be inspired by Fred 2.0, youll also have the tools and strategies to aim higher and achieve the extraordinary.



The POWER of URGENCY: Playing to Win with PROACTIVE Urgency
http://www.amazon.com/gp/product/B00DMFNOUS
5.0 out of 5 stars (23 customer reviews)

Have you ever said, "I am really great in a crisis!" You recall rising to the immediate challenge with the best of yourself. The question posed by The POWER of URGENCY is, "Why wait for a crisis to be at the top of your game?"
The author describes how to use the amazing strength, creativity and boldness you discover through your reaction to a fight-or-flight situation, and do it proactively when and where you choose.
As a business leader, entrepreneur, or anyone ready to change the status quo, learn how to create from the best of yourself by being urgent in pursuing the objectives most important to you.



A Practical Guide to Risk Management
http://www.amazon.com/gp/product/B005EZIJ22
4.7 out of 5 stars (18 customer reviews)

Managing risk is at the core of managing any financial organization. Risk measurement and quantitative tools are critical aids for supporting risk management, but quantitative tools alone are no substitute for judgment, wisdom, and knowledge. Managers within a financial organization must be, before anything else, risk managers in the true sense of managing the risks that the firm faces.



The Myth of the Garage
http://www.amazon.com/gp/product/B00755MHA4
4.3 out of 5 stars (83 customer reviews)

From Chip and Dan Heath, the bestselling authors of Switch and Made to Stick, comes The Myth of the Garage ... and other minor surprises, a collection of the authors' best columns for Fast Company magazine. There are 16 pieces in all, plus a previously unpublished piece entitled 'The Future Fails Again'.
In Myth, the Heath brothers tackle some of the most (and least) important issues in the modern business world:
- Why you should never buy another mutual fund ('The Horror of Mutual Funds')
- Why your gut may be more ethical than your brain ('In Defense of Feelings')
- How to communicate with numbers in a way that changes decisions ('The Gripping Statistic')
- Why the 'Next Big Thing' often isn't ('The Future Fails Again')
- Why you may someday pay $300 for a pair of socks ('The Inevitability of $300 Socks')
- And 12 others . . .



BOOM! You got that graduate job: How to survive Day 1 and go from sucker to star player in 15 easy steps
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THE GRADUATE CAREERS BOOK WITH A DIFFERENCE.
#1 Amazon Bestseller in three categories...
Have you been offered your first graduate job? Are you still hunting? Either way, this step-by-step guide will help you get through that terrifying first day when it arrives, then quickly develop into a star performer.
Why are some grads able to excel in the corporate world, walk around with confidence, get great results and build a network of support around them? What makes them different to the vast majority who end up appearing nothing more than mediocre?
When Seb Constable was applying for graduate schemes and other graduate jobs, he devoured every book on the subject. He discovered how to pass numerical and verbal reasoning exams, learned how to game personality quizzes and how to excel in assessment centres.
But as he realised in a panic when he was finally offered the graduate placement of his dreams that's where the advice ended. There was no comfort-blanket manual he could clutch to get through the terrifying ordeal of Day 1. And there was nothing explaining exactly how to get from shuddering fresh-out-of-uni wreck to confident, capable professional.
Seb knew a guide had to be written, for all those feeling just as hapless and terrified as him. He felt it was his duty to create it. Fast forward 18 months. This is that guide.
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Murdoch Mysteries Bundle Package DVD $74.99 Fs Amazon (reg $143)
Added on : Friday September 26th 2014 05:00:07 AM
g: 0 Posted By: tedhawkins
Views: 151 Replies: 0 Murdoch Mysteries Bundle Package DVD $74.99 Fs Amazon (reg $143)

http://www.amazon.com/dp/B00KW85OQK/

VALUE-PRICED BUNDLE INCLUDES MURDOCH MYSTERIES:COLLECTION, MURDOCH MYSTERIES: SEASON 5, MURDOCH MYSTERIES: SEASON 6

This acclaimed mystery series follows Detective William Murdoch (Yannick Bisson, Sue Thomas: F.B.Eye) in 1890s Toronto as he investigates the city's most challenging cases and encounters the famous figures of his day. A brilliant detective with a knack for inventing new crime-solving technologies, Murdoch receives valuable assistance from beautiful pathologist Dr. Julia Ogden (Gemini-winner Hlne Joy, Durham County), eager constable George Crabtree (Jonny Harris, Hatching, Matching & Dispatching), and his no-nonsense boss, Inspector Thomas Brackenreid (Thomas Craig, Where the Heart Is).
g: 0 Posted By: tedhawkins
Views: 92 Replies: 0 Motorola MBP25 Wireless Video Baby Monitor and Binatone BabySense 5s Baby Movement Sensor Bundle Pack $149.99 Fs Amazon Lightning Deal

http://www.amazon.com/dp/B00IOGITBO

Motorola MBP 25 wireless, color LCD baby monitor combined with Binatone BabySense 5s baby motion monitor
MBP25 features 2.4-inch color LCD monitor and wireless 2.4 GHz technology
Baby monitor features 2-way communication, infrared night vision and a range of up to 520 feet
Binatone BabySense 5s includes two motion detecting pads to detect no movement or irregular patterns
BabySense 5s parent unit features an auditory and visual alarm
Baby Deals

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Hisense 50" 1080p LED HDTV $350 F/S Tigerdirect
Added on : Thursday September 25th 2014 10:00:04 AM
g: 0 Posted By: WasabiSoHot
Views: 76 Replies: 0 linky dinky

After 15 off 100coupon thing and ShopDiscover 5% off and no tax to CA, mine came out to $318.22 shipped.

Cheers.
g: 0 Posted By: ctgolfer
Views: 118 Replies: 0 use promo code: NEW10

offer for new customers only

Video FeaturesThe feel, shape, and sensitivity of the dual analog sticks and trigger buttons have been improved to provide a greater sense of control, no matter what you play.
Video FeaturesThe new multi-touch and clickable touch pad on the face of the DualShock4 Wireless Controller opens up worlds of new gameplay possibilities for both newcomers and veteran gamers.
Video FeaturesThe three LEDs inside the light bar can generate a rainbow of colors, that combine with the PlayStationCamera, to create immersive gaming experiences. It also allows for easy player identification and screen adjustment when playing with friends in the same room.
Video FeaturesThe DualShock4 Wireless Controller features a built-in speaker and stereo headset jack, putting several new audio options in the players hands.
Video FeaturesThe addition of the Share button makes utilizing the social capabilities of the PlayStation4 as easy as the push of a button. Upload gameplay videos and screenshots of your greatest accomplishments or live-stream your gameplay sessions through popular Internet streaming services, all without disturbing the game in progress.
Video FeaturesMultiple vibration motors give games a greater degree of expression and heighten the sense of immersion for players.
Video FeaturesThe DualShock4 Wireless Controller can be easily be recharged by plugging it into your PlayStation4 system, even when on standby, or with any standard charger with a micro-USB port.

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g: 0 Posted By: Gauss44
Views: 35 Replies: 0 It seems to me that every time a medical disaster strikes (SARS, Ebola, H1N1, etc.), there is almost always a technology race to follow. Companies competeto develop the best line of defense including drugs and equipment. The same is sometimes true of non-medical disasters. Of course, there have been many articles about this in the news lately that have got me thinking: Every couple years or so, there's a new technology race, where adispassionate, analytical investormight come up with a strategy to significantly profit of of the winning companies - and by investing in their stock, he would in a sense, be rewarding the heroes.

Of course, after a disaster the last thing most people want to think about is investing. But that could lead to less competition and more time to invest before stocks rise - an advantage to the cool minded well-focused investor. Next time a disaster strikes (so long as I survive it and have internet access), I'm going to brainstorm about which companies will do the rebuilding or fixing of the problem, and invest in them. Any thoughts? Have you tried this?
Discussion Deals
Why does PenFed push their 5/5 ARM so much?
Added on : Tuesday September 23rd 2014 03:00:06 PM
g: 0 Posted By: fryth
Views: 89 Replies: 2 It is pretty obvious that this is the product they want everyone to go into. Is it because the current fixed rate is too low for them make it worth their while holding your loan? So they hope you go with the 5/5, knowing that the rates will be going up down the road? But that doesn't make a lot of sense either as so many people will refi around the first 5 year rate reset.

It's just strange how other banks want people to be in fixed loans to avoid the problems in the housing crash with the ARMs.
Discussion Deals
UFC - PlayStation 4 or Xbox One 29.96 @ Amazon
Added on : Monday September 22nd 2014 12:00:03 AM
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 free shipping with Prime or on $35+

Real Damage: Every fighter knows that one good shot can ruin your day. EA SPORTS UFC introduces a non-linear damage system which can result in big damage coming from a single strike. The system produces a greater variety of cuts and contusions.
Dynamic Striking: A mixed martial artist uses the environment to his advantage and for the first time in a UFC game, you can too. A dynamic environment allows you to pull off jaw-dropping moves using the Octagon, including roundhouse kicks, superman punches and much more. Combine those abilities with the best striking technology in the industry and that one perfect strike could change the fight.
Real-Time Exertion: A UFC bout is one of the most physically demanding sports on the planet requiring mixed martial artists to give it their all with every movement. Real-Time Exertion brings each moment of that action to life in your gameplay experience. Through real-time vein popping, skin discoloration, muscle flex, as well as signs of fatigue setting in through the course of each round, you will witness the effort it takes to be one of the best fighters in the world.
Fighter Likeness and Facial Animations: EA SPORTS UFC will set a new bar for character likeness and emotion in gaming. For the first time in an EA SPORTS game, every single licensed athlete in the game has been created from high resolution 3D head and body scans to deliver revolutionary character likeness and authenticity. Powered by EA SPORTS IGNITE, new facial animation technology delivers more expression, emotion and will communicate greater sense of awareness and intelligence in the Octagon.
Strategic Submission Battles: To own the belt, you have to be dominant on your feet and on the mat. EA SPORTS UFC re-invents the ground game to create a battle for position and control that captures the strategy of a submission battle. Like the real sport, in EA SPORTS UFC fighters will work through multiple stages as they work to advance or escape from a fight-ending submission.

www.amazon.com/dp/B00CXCCH1I/
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g: 0 Posted By: tedhawkins
Views: 101 Replies: 0 Omaker Q7 4 in 1 - Mini 5000mah Portable Power Bank + Built-in Crystal LED flashlight/Bicycle lights + Built-in 16-pin bass speaker - LOWEST ever @ $22.99 W/code Fs Prime - Omaker via Amazon

http://www.amazon.com/Omaker-Adjustable-Highlight-Flashlight-Tra...

Apply $4 OFF code NEEV5M5N

Rated 4.1 out of 5 stars

Multifunction:Floodlighting use time: continuous 22 hours;MP3 Play time: continuous 20 hours;Charging iphone 5s: two times and 40% capacity left
Smooth varnish allows you to power up in style, portable design with adjustable Bracket Mount, easy to use.
Built-in 1W Crystal LED flashlight ;The light has 3 modes: bright/average/SOS;Perfect for Cycling, hiking ,traveling,Camping in dark or low-light environments.
Built-in dual magnetic circuit 16-pin bass speaker so that you could enjoy the amazing music when you have outdoor sports
Multimedia:FM radio ,audio output ,built-in card slot.MP3,TF card and U disk;Input voltage:5.0V/1A Output voltage:5.0V/1A

1.Simple design,Unique Appearence

--Fashion design- the surface of the metallic simple sense,not only a bluetooth speaker ,but also an adornment.

--Only one button on the device for Telephone Answering Function (hands free)

2.Amazing sound

--Experience your tunes in high definition and surprising fullness realized through a 4W driver and bass port - outclassing than other similar-sized portable speakers.

-- Apply AVS(Air vibration system) technology, making the low frequency amazing.

3.Easy use

--"one cable" technology: not use any messy cable, music and charge function can be realized together connecting the same line (cable).

4.Travel Easier

--With ultra-portable compact size, makes it easy to carry and store while on-the-go. No hesitated to put in your backpack, Enjoy your journey

What's in the Box:

1 x Omaker M1 Speaker
1 x USB Cable
1 x User's Manual

Warranty:

Every sale includes an 12-month, worry-free guarantee
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Amazon Coupons
g: 0 Posted By: Farfisa850
Views: 312 Replies: 0 http://www.travelocity.com/g/u/onebigday

Apply Coupon code

BIGDAYHOTEL100

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g: 0 Posted By: ctgolfer
Views: 196 Replies: 0 AT&T Unlocked to be used with any GSM Sim Card
The curves and balance of its zero-gap all-metal unibody make it a pleasure to hold and use.
Enhanced gesture recognition makes access to your phone faster and easier.
The bigger screen makes navigating its many features almost second nature.
5" Full HD 1080p with 440ppi (1080x1920) Display
Dual frontal stereo speakers with built-in amplifiers; HDR Microphone

3G/4G LTE connectivity
AT&T 4G LTE network is available in limited markets
Android 4.4.2 (KitKat) with HTC Sense
2.3GHz Qualcomm Snapdragon 800 quad-core
5.0-inch Full HD 1080p with 440ppi display
Dual camera with UltraPixel
Front 5-MP camera with 1080p video
32 GB storage + 2 GB of RAM
Wireless-N Wi-Fi + Bluetooth 4.0 + NFC
2600 mAh battery capacity

www.ebay.com/itm/HTC-One-M8-Latest-Model-32GB-Factory-Unlocked-S...
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Purchasing house with Girlfriend..HELP!
Added on : Monday September 15th 2014 10:00:20 AM
g: 0 Posted By: ICMATULKASPRMKY
Views: 391 Replies: 26 We have always rented, but decided to start looking into home prices and think it may make more sense than renting. Renting an apartment would be around $2500-$2800 vs a mortgage in the $1800-$2200 range. The big thing is figuring out how to handle the downpayment, finding the best place for rates, and how being married vs not would benefit this situation if it matters at all. My income was significantly low this year, but I have a good amount of money in savings so not sure if I can play some approach to avoid a big down payment. Thanks
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 224 Replies: 2 Quick Glance Notifications
Receive notifications on your wrist with Galaxy Gear. Stay in the moment by keeping your phone out of sight, without missing important calls, texts, events, and more.
Smart Relay for Even Faster Access to Notifications
When a notification requires a closer look, the second you pick up your Galaxy phone, the Smart Relay feature automatically opens up that app to the exact message you're seeing on your wrist.
Hands-Free Calls
Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. Galaxy Gear includes 2 built-in noise-canceling microphones and a built-in speaker for hands-free chatting.
S Voice
Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more! With access to Samsung's robust S Voice feature right from Galaxy Gear, you'll enjoy hands-free convenience.
Find My Device
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location. You can also use your phone to help you find the Galaxy Gear.
Auto Lock/Unlock
Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Brilliant Display
Samsung Galaxy Gear's 1.6" Super AMOLED touchscreen has more pixels than most smartphones, which means you can read crisp text and enjoy vivid images right from your wrist.
The Companion With Style
Galaxy Gear is the companion device designed to make life easier without cramping your style. Its sleek design, durable body and range of colors mean you can wear it anywhere and everywhere.
Personal Touch
Use the Gear Manager app on your Galaxy phone to totally customize your experience. Change your Gear settings, customize and add new watch faces, enable or disable features, organize your apps and more.
Capture the moment right from your wrist.
Don't miss the action pulling out your phone. With a 1.9 MP auto-focus camera embedded in the strap, snap pictures and even capture videos quickly and easily right from Gear.
Built-In Pedometer
Galaxy Gear makes it easier to get in shape. Keep track of your walking and running distance with its built-in pedometer. And with S Health, you can monitor and achieve your fitness goals right from your wrist.
Music Player
Whether Samsung Galaxy phone is in your pocket or plugged into a dock, you can seamlessly turn up the volume and change songs in an instant. Now that sounds good.
Galaxy Gear is currently compatible with these Samsung smartphones.
AT&T: Samsung Galaxy Note 3 (SM-N900A), Samsung Galaxy S 4 (SGH-i337), Samsung Galaxy S III (SGH-i747), Samsung Galaxy Mega (SGH-i527)
Sprint: Samsung Galaxy Note 3 (SM-N900), Samsung Galaxy S 4 (SPH-L720), Samsung Galaxy Note II (SPH-L900), Samsung Galaxy S III (SPH-L710)
T-Mobile: Samsung Galaxy Note 3 (SM-N900T), Samsung Galaxy S 4 (SGH-M919), Samsung Galaxy S III (SGH-T999/T999L)
Verizon Wireless: Samsung Galaxy Note 3 (SM-N900V), Samsung Galaxy S 4 (SCH-i545)

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Business partnership ending and I got bad vibes, how to handle?
Added on : Friday September 12th 2014 03:00:08 PM
g: 0 Posted By: MightySlacker
Views: 70 Replies: 0 This is in the state of Ohio for reference. Some parts need to be left vague, but hopefully I can get in all pertinents.

A few years ago, my girlfriend and I decided to catering and concessions at a certain venue. It was a place I had worked 5 years before that and we did some unofficial food stuff for smaller events, and when the opening happened to take care of everything food related we took it. The management of the venue were friends and wanted to do a partnership, which appealed to use because we didn't have the capital to go all in by ourselves.

The management purchased the existing catering and concession equipment for X amount, for which we paid half (3 installments that year) and were to own half (we formed a LLC). Our agreement was that my girlfriend and I would get X per hour, and then split the profits at the end of each year. What ended up happening is that the venue ran a food "tab" for its workers which we kept track of, and then deducted that from the profits. 2 years out of the 4 the tab exceeded what their profits would be and money was sent our way.

This year, we moved because I got a job promotion and we decided we could not take care of the business at a level we were accustomed to providing. We jointly decided to try and lease the operations to some people and if they were able to handle it we would be bought out of our half. Unfortunately, the management was fired and replaced in a particularly nasty incident(s). I had talked to them afterwards and the response was just to sell everything.

I went to go look at things last weekend and did not like what I saw. Several items belonging to the business that were not stored with the concession stand(s)/truck(s) were gone, even a couple of propane tanks for one of the stands (which were locked) are gone. The management had pretty much taken everything of theirs not nailed down, but did not think that would include our items. There was a new temporary food person that had said he had briefly talked to previous management but was only interested in some of the equipment, not all of it. I have attempted to contact the previous management multiple times with absolutely no response. My spider sense is tingling.

I'm not really sure what my recourse should be to collect my "half" if things go south. The paperwork is all in the managements name, I just have a bill of sale and my checks whcih are clearly noted to be payments for half of the equipment. The management is in some hot water over multiple shady things that were uncovered, so my complaint would be a drop in the bucket. I don't think i can take them to small claims because they'd just hide behind the business name. I am friendly with the new venue management while the old management isnt even allowed on the property, so I guess I could pillage whats left or hold something for ransom, but I certainly think that would be a last resort kind of option. Any advice on how to proceed?


Discussion Deals
Shelter Insurance Junior Special Policy- revisited from 2012
Added on : Friday September 12th 2014 12:00:09 PM
g: 0 Posted By: srhullender
Views: 149 Replies: 1 http://www.fullofdeals.com/forums/finance/1245931/

I stumbled across this post/thread/forum after doing a search on childlifeinsurancepolicies and wanted to comment.
A lot of misconception in this thread. A LOT! To touch on a few that really were way off track are as follows:

This is from the 1st posting...

"Let's take this slowly ...
1. Child life insurance does not help make sure children will be insurable in the future.
yes, it actually does. by buying a policy which carries "Guraranteed Insurability", the child will be able to purchase life insurance, regardless of health, in the future.
2. Child life insurance does help make sure children will be able to purchase from a limited set of adult product options.
True.
3. Those are typically awful products at awful prices.
Permanent Life Insurance is most defianltey applicable ina lot ofsituations.
4. Even where they are not awful products today, they almost certainly will be awful compared to more contemporary products offered 20 years from now.
FALSE! Waitng for those "future products" to "possibly" be more viable is rediculous to say. Plus, its not like we can erase time (as of yet, for you future dwellers lol). Hoping/praying for better products in the future designedto help protect our net worth will be useless unless you start now.
5. If truly uninsurable, those grown children will not be insurable.
What? This made as much sense as this entire post...
6. They will only have the ability to exercise the option to purchase the agreed upon product.
Exactly what its designed to do. And this is a bad thing?I'm actually kind of shocked by this display of pure ignorance. Every one of the posts in this thread are single minded. Let me start with a story...I have this client, we will call him Brian. He is a 39yo married man with a 1 year old. When I met Brian he was 29 and extremely active with his job. He is a risk assessor for a huge dot.com company. Anyway, I had found out shortly after I met Brian that he had Type 1 diabetes. Now Brian had not done such a great job over the years of treating his diabetes from when he was diagnosed at 16.
Soon after we became friends Brians diabetes got worse. He eventually had to have a kidney/pancreas transplant.Why am I bringing up Brian? Because Brian is one of millions who have Type 1 diabetes. (We arent even talking about any other disease or illness that can cause someone to be uninsuranble.) And Brian is one of millions who is 100% uninsurable. And if he were to find an insurance company who would write a policy on him (which to this date I cannot find), the cost would be so exorbitant that not even the examples above would hold a candle to it.When you can buy a policy for your child that A) doesn't have a continuous premium payment, B) Offers some sort of death benefit and C) offers a Guaranteed Insurability Rider which allows your child to purchase additional amounts later in life, regardless of health.... You are WINNING!

And trust me.Regardless of what products are out in 20, 30, or 40 years down the road or what this insurance is worth that far in the future. If Brian or any one of the millions of people out there were able to buy ANY amount or level of life insurance....they would buy it in a heartbeat! Ragardless of cost or death benefit.

I would say to all of the people who posted in this thread. "Stop being so cheap and actually buy something worth a darn for your kids. How many Wii, Nintendos, Atari, etc have you wasted on your kid already? Trying to tell me $240 is that much of a waste to benefit over a game system or any other crap you splurge on your kids with?" zzzzzzz



Discussion Deals
Hisense 55 LED HDTV 120Hz refurb $399 @ TigerDirect FS
Added on : Friday September 12th 2014 10:00:14 AM
g: 0 Posted By: mbenzgt
Views: 176 Replies: 0 Hisense 55 LED HDTV 120Hz - 55K20DG - Refurbished

$399.97 + free shipping FS
TigerDirect

http://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=8967534&srkey=HSE-102388209
LED TV Deals

Tiger Direct Coupons
g: 0 Posted By: ctgolfer
Views: 184 Replies: 0 use coupon code: NGW141085

use $15 off $100 rebate - www.tigerdirect.com/sectors/campaigns/include/events/2014/backTo...

Display Type: LED-backlit LCD monitor / TFT active matrix
Diagonal Size: 27"
Panel Type: VA
Aspect Ratio: Widescreen - 16:9
Native Resolution: FullHD 1920 x 1080
Pixel Pitch: 0.311 mm
Brightness: 300 cd/m2
Contrast Ratio: 3000:1 / 20000000:1 (dynamic)
Color Support: 16.7 million colors
Response Time: 4 ms (gray-to-gray)
Horizontal Viewing Angle: 178
Vertical Viewing Angle: 178
Backlight Technology: LED backlight
Controls & Adjustments: Color temperature
Features: HDCP, Eco-Mode, 72% color gamut, Advanced Motion Accelerator (AMA) technology, Senseye Human Vision Technology, Senseye 3 Technology
Color: Glossy black
Dimensions (WxDxH): 24.5 in x 7.5 in x 18.6 in
Weight: 9.9 lbs


www.tigerdirect.com/applications/SearchTools/item-details.asp?Ed...
Monitors Deals

BenQ Coupons
g: 0 Posted By: ctgolfer
Views: 51 Replies: 0 59-9/10" screen (measured diagonally from corner to corner)
Large enough to provide an immersive experience for everyone in the room.
Plasma displays are at their best in darker rooms
Get rich, vibrant colors and deep blacks, and view your screen from almost any angle.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
600Hz refresh rate for smooth action scenes
Enjoy fast-moving movies, sports and video games with virtually no motion blur.
Get the best picture possible, no matter the lighting
Eco Sensor technology automatically senses the light levels in a room and adjusts screen brightness for the best image possible.
Deep black levels, even in bright rooms
Real Black Panel technology delivers deeper and darker black levels for remarkable picture contrast.
Reduce glare with antireflection technology
You'll get clearer images and a better viewing experience with antireflection technology that reduces glare from windows and lamps.
Bold hues with enhanced colors
Wide Color Enhancer Plus improves the color quality of older films and non-HD content.
Share photos, videos and mobile content on the big screen
ConnectShare Movie makes it easy to watch videos, play music and view photos from a USB connection without needing to use a PC or special equipment. USB cable not included.
Advanced TV sound
Two full-range 10W speakers and Dolby Digital Plus, Dolby Pulse, DTS StudioSound and DTS Premium Sound.
Dolby Digital Plus and Dolby Pulse
Optimizes the sound for TV from sources like Internet movies and music, connected PCs, smartphones and tablets.
2 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable not included.
USB input
Easily connect your digital camera, camcorder or other USB device.

www.bestbuy.com/site/samsung-60-class-59-9-10-diag--plasma-1080p...
Samsung Deals

Best Buy Coupons
NJ neighbourhoods / considerations of moving to suburbs
Added on : Thursday September 11th 2014 06:00:18 AM
g: 0 Posted By: newnorley
Views: 80 Replies: 5 Yo FWF'ers can you recommend some NJ suburbs for commuting to Manhattan from. I'm looking to rent a 2 or 3 bedroom place and want to get the most bang for my buck. Posting this here because I find a lot of people on here have a similar attitude to me and I've no idea on NJ or where to start looking and you guys can help me not ripped off. I'm presuming there are a fair few people on here commuting from NJ - NYC.

Don't want to spend more than $2k per month on rent (could spend more but my motivation of moving to suburbs is to save money)
Want to commute by train and spend no more than 45 mins on train
Want to be able to walk to train station 15 min walk ok
Don't care about school zone
Quieter neighboorhood preferred
If possible in my price range I would love to be near an area with a 'downtown' and / or park accessible on foot ( I detest driving in NJ)
Old house OK
Don't care about how cool an area is
I'm not sure if these areas exist but in England I used to live in a fairly middle class / lower middle class area but there was a decent sense of community and people took pride in where they live i.e. didn't shit on their own doorstep / would love something similar
---

What other financial considerations do I need to think of moving to NJ burbs ? When I move to burbs I'm going to sell where I live now and start renting so I will not have the mortgage tax credit when filing in 2016 (current HHI $200k) but I spend $500 a month on condo fees and $8k a year on real estate taxes so I'm thinking they will cancel each other out.

Train will cost a couple of hundred a month i suppose.

Selling my condo I'm going to get stung by broker fees

Thanks
Personal Finance Deals
When to cut back (or cut out) routine maintenance on a car
Added on : Wednesday September 10th 2014 03:00:25 PM
g: 0 Posted By: timothytuxedo
Views: 170 Replies: 3 At what point does it make more financial sense to save the money that you would otherwise use on routine maintenance for a car?

For example: I drive a 1998 Honda Civic with 160,000 miles. It has some significant body damage and the transmission is loud (has been for years) but shifts fine. The interior is fairly well worn. It's not very pretty but it works for me. I could probably get $500-1000 for it. It's worth more than than that to me and I'm looking to drive it into the ground. I was following the suggested maintenance intervals for everything until a couple of years ago. Since then I've gotten the oil changed at regular intervals, but that's about it. I've had things repaired as they break, but not done the recommended transmission flushes, spark plug changes, etc.

It burns about a quart of oil every 1000 miles or so and I'm considering maybe even cutting back on the oil changes.

Does anyone have rules of thumb on what regular maintenance makes the most financial sense as a car's value approaches zero?
Question Deals
Fisher-Price Brilliant Basics Rock-a-Stack (BLR79) $4.47 AC / FS @ Kohls
Added on : Tuesday September 09th 2014 11:00:04 AM
g: 0 Posted By: DizzyT71
Views: 312 Replies: 0 Kohls has theFisher-Price Brilliant Basics Rock-a-Stack (BLR79)on sale for$6.99 - 20% coupon codes "CUTIE20" - "NEWBRANDS"(ends 9/9 6pm EST) = $4.47. Shipping is free with code "SEPT15CC".

Also available at Amazon as an "add-on" item for same price. Otherwise, compare at Kmart for $5.99.

Bright colors, shiny reflections and swirling beads stimulate visual development
Placing rings on post strengthens eye-hand coordination
Helps baby learn to differentiate among colors and sizes of rings
Hands-on activities strengthen baby's sense of touch


4.5/5 Stars based on 704 customer reviews on Amazon.
Toys Deals

Kohl's Coupons
g: 0 Posted By: ctgolfer
Views: 187 Replies: 0 Tri-Frequency Radio System with multiple frequency system virtually eliminates the effects of interference caused by products in and around the home, helping to make sure you can access the garage every time and from the greatest distance.
Wireless keyless entry pad, allows entry into garage without a key or remote using a secure 4-digit programmable PIN.
Timer-to-Close feature can automatically close the door after a set period of time.
Program remotes and keypads from the wall control, no need to get on a ladder to access the learn button.
Quick Install Rail System provides faster and easier installation, assembles in 60 seconds.
Simple user interface with Electronic Limits and Automatic Force Settings that automatically monitors, sets and adjusts the force required to open and close the garage door during temperature fluctuations.
Energy Efficient sleep mode uses less than one (1) watt of power.
Safety and Security

Motion Detecting Wall Control turns opener lights on in the garage when motion is sensed.
Protector System safety reversing sensors with Rapid-Snap brackets automatically reverses the door if anything interrupts the beam while the door is going down.
Sensing technology will stop the door from closing if contact is made with a person or object.
PosiLock System theft protection securely locks door when it is down - preventing intruders from entering garage.
Anti-burglary Coding Technology assures that a new code is sent every time the remote control is used.

Connectivity

Monitor and control your garage door and home lighting from anywhere* with Assurelink Connectivity.
*Assurelink connectivity hub and internet connection required for app control (#54900 sold separately).
Compatible with HomeLink in-vehicle remote control system (may require an external adapter depending on the make, model, and year of your vehicle; visit www.homelink.com for additional information).
Included in the box:

Power unit with two (2) Light Lenses
Two (2) 3-function Security+ 2.0 Remotes
One (1) Wireless Keyless Entry Pad
Motion Detecting Multi-function Wall Console
Safety Sensors
Rail, Hardware, and Owners Manual

www.sears.com/craftsman-190-hp-chain-drive-garage-door-opener/p-...
Home & Garden Deals

Sears Coupons
Free Kindle Book- The Hunter's Hound: Training Your Dog To The Rifle
Added on : Monday September 08th 2014 12:00:06 PM
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/gp/product/B00JLNQZDS

Let say, before you start to read, that there are far better dog trainers about than me. Yet I have met few shooting men or women that have taken the time to ensure that the hound at their side is trained to perform in their own personal best interest or trained the dog to mirror their own personality. When I broke the rules to put a chasing dog at my side and then teach it not to chase, many folk frowned. Ten years on, many of those same folk look on enviously at the complete symbiosis achieved by a man, an air rifle and a scruffy old lurcher. This book therefore, is not intended as a manual on training an obedience champion. It is a common-sense approach to producing a dog which behaves around a rifle ... any rifle ... and a rifleman or woman who behaves around a disciplined dog. Yes, in many ways, this book is about training the hunter ... not just the hound.
Totally Free Deals
g: 0 Posted By: tedhawkins
Views: 158 Replies: 0 Salomon Sense Hydro S-Lab Handheld Hydration Set $24.95 (reg $40+) Usoutdoor Fs on $40+

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

Stay hydrated while out on those long hot runs with the Salomon Sense Hydro S-Lab Handheld Hydration Set. The people at Salomon know holding a water bottle while running is pain; with the Sense Hydro S-Lab Handheld Hydration Set you don't have to worry about dropping your water bottle in the middle of a run. The Handheld Hydration Set slips over your hand comfortably and holds an 8 oz. Salomon Soft Flask.
Features of the Salomon Sense Hydro S-Lab Handheld Hydration Set

Capacity: 8 fluid ounces
Material: (Flask) thermoplastic polyurethane / (holder) 88% polyester/12% nylon / terry cloth
Dimensions: 7.5 x 2.3 x 1.4 inches
BPA free: Yes


Sports & Outdoors Deals
g: 0 Posted By: Atariman56
Views: 84 Replies: 0 Link

TigerDirect has the Hisense 55" Class 1080p LED HDTV - Full HD, 1920x1080 Resolution, 120Hz, 2x HDMI, Narrow Frame model 55K20DG for $400 plus shipping. This includes 3months parts and labor.



LED TV Deals

Tiger Direct Coupons
How is inflation affecting me?
Added on : Thursday September 04th 2014 05:00:07 AM
g: 0 Posted By: alienjedi
Views: 140 Replies: 7 So I read through a lot of the posts on savings and a big argument is that a savings account of 1% is losing me money due to inflation being higher than the return. For me, I don't really see inflation directly causing my cost of living to increase. My question is where is inflation hitting me that I am not seeing?

I have a budget and have been tracking spending for the past year.My expenses in order of magnitude are as follows:
Rent - unchanging our landlord is very happy with us and wants to keep us
Food - I always shop with coupons and wait for meat to go on sale and buy in bulk and freeze. I buy produce when it is in season (on sale).While the trade costs of grains may be going up, I am not feeling it.
Car (Gas/insurance/repairs) - Car is paid off and runs well (2010 Forte 120k miles) and I do all my upkeep. Trade in value is between 5-6k. Cost for a new equivalent model with warranty would be 16k, since I don't have any repairs which would cost 10k, it doesn't make sense for me to get a new car. Cost for a new forte with equivalent features has remained the same since I bought my car so still not seeing inflation there. Gas prices while cyclical have actually been dropping, or at least normalizing for the past 3 years (Gas Chart). Insurance has gone down or remained the same since I bought the car.
Shopping/travel - Always do it on a budget, airfare is really the only thing that I see a continual increase in price for...
Medical - No major expenses here

So aside from airfare how is my money losing value due to inflation?
Discussion Deals
What is my Best Option For Our Health Insurance?
Added on : Wednesday September 03rd 2014 10:00:11 AM
g: 0 Posted By: justignoredem
Views: 21 Replies: 0 Okay so I'm in a bit of an interesting situation. I have never had an HSA, nor do I know much about it other than general reading on it (Vanguard, bogleheads). So I still feel like I do not know enough about the account. A lot of people seem to advocate HSA accounts in the finance forums, so I figured this would be an ideal place to get different opinions. Below are the general options between my wife and I at our careers going into the next 2 months.

Wife:Her Company is about to split off, long story short, she will have to pick new benefits when the new fiscal year comes (October 1). She will have 2 options - 1. a standard PPO, covers ~80% for a decent amount per month. or 2. an HSA that covers the basics but gets company supplementation. Also has the option for FSA.

Myself:I'm currently on break. I will be joining a big 4 company shortly. As you can guess, they have tons of choices. Everything from an incredibly expensive option that covers everything 100% (but is expensive every month), to one that covers the basics for very cheap, to an HSA that covers the basics, to a standard PPO that covers 90% for a decent amount. Also has an FSA.

The kicker? We see a baby entering our lives in the next year. It will be happening soon, so that will be a major factor. This is what makes me feel an HSA is not an option, because funds will obviously be needed on the spot for hospital visits for the kiddo and pregnancy/delivery basics. HSA would obviously be the option when you foresee healthiness that you can save up for, correct?

1. Am I correct in that assumption that HSA is not a viable option with a child on the way shortly?
2. Considering a baby would be on the way, would it at all make sense EVER to get the 100% coverage option? Obviously it's not going to cover 100% of all costs (Prescriptions for example). We're talking something like $300/mo vs. $200/mo for 90% PPO.
3. What do you guys see as the ideal path? Consider the FSA accounts as well.
4. Lastly, is there maybe some kind of Hybrid situation I'm not seeing? Maybe getting a PPO on my side but also getting the HSA on the wife side for the company match would be beneficial?
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 72 Replies: 0 Includes power unit, two remotes, control console, wireless keyless entry pad, battery back-up unit, safety sensors, rail, hardware, operators manual
The Craftsman Garage Door Opener DC Belt with 3/4 HPS works even when theres a power outage
Belt drive and DC motor for ultra quiet operation and soft-start/stop performance
DieHard DC Battery back-up is always charged allowing door control, safety sensors and remote controls to operate on battery power for 20 open/close cycles
Includes 2 Security + 3-function remotes are perfect for multi-car families
LCD Smart-Motion Detecting control console opens and closes door from inside garage while sensing your presence and turning on opener lights automatically
Provides time, temperature, light and lock settings and system diagnostic messages
Wireless keyless entry pad allows access to garage without a key or remote using a secure 4-digit programmable PIN
Security + Anti-Burglary Coding rolling code changes every time button on the remote is pushed
PosiLock System securely locks door when it is down preventing intruders from entering garage
Manual Release Capability allows you to manually open or close garage door
Safety reversing sensors create an invisible beam that senses any obstruction in the way of the closing door and automatically reverses door before contact is made
HomeLink with QuickTrain Technology
Light delay feature turns lights off after a maximum of 4-1/2 minutes
Extension kits to complete installation for 8' and 10' doors are available
Professional installation available
Weighs 38.9 lbs.
Warranty: 10 year motor; 3 year parts

www.sears.com/craftsman-dc-belt-drive-garage-door-opener-with/p-...
Craftsman Deals

Sears Coupons
Refurb Hisense 46" 1080p 60Hz LCD HDTV $279.99 Shipped at Newegg.com
Added on : Saturday August 30th 2014 08:00:06 PM
g: 0 Posted By: vanheve2
Views: 213 Replies: 1 This is an old model Refurb and not LED, so this isn't for someone looking for the latest and greatest. But for 46", its hard to get anything cheaper.

$279.99
Free Shipping

LINK
Hisense 46" LCD HDTV

46" LCD Panel
With 1920 x 1080 Full-HD resolution
True 16:9 Aspect Ratio
View your movies as the director intended
Wide 178-Degree Vertical and 178-Degree Horizontal Angles
See a clear picture from anywhere in the room on this LCD TV
Built-In Digital Tuner
Watch digital broadcasts, including HDTV programs where available
HDMI Inputs: 2
Enjoy a superior HD experience with HDMI, the one-cable audio/video solution
46" Screen of this ultra-slim HDTV is measured diagonally from corner to corner
Wall Mountable

LCD TV Deals

Newegg Coupons
Hisense 46" 1080p 60Hz LCD HDTV $279.99 Shipped at Newegg.com
Added on : Saturday August 30th 2014 07:00:06 PM
g: 0 Posted By: vanheve2
Views: 0 Replies: 0 This is an old model and not LED, so this isn't for someone looking for the latest and greatest. But for 46", its hard to get anything cheaper.

$279.99
Free Shipping

LINK
Hisense 46" LCD HDTV

46" LCD Panel
With 1920 x 1080 Full-HD resolution
True 16:9 Aspect Ratio
View your movies as the director intended
Wide 178-Degree Vertical and 178-Degree Horizontal Angles
See a clear picture from anywhere in the room on this LCD TV
Built-In Digital Tuner
Watch digital broadcasts, including HDTV programs where available
HDMI Inputs: 2
Enjoy a superior HD experience with HDMI, the one-cable audio/video solution
46" Screen of this ultra-slim HDTV is measured diagonally from corner to corner
Wall Mountable
NY Times: 7 Steps To Cheap Hotels
Added on : Saturday August 30th 2014 03:00:09 PM
g: 0 Posted By: LArugby
Views: 92 Replies: 1 The NY Times has an excellent travel section (certainly better than the nonsense we deal with at the LA Times). One of my favorite travel writers is Seth Kugel (probably because I wish I had his life of writing for the NY Times, covering events such as the "Pastry Festival" in Nice or the latest Hefewiezen tastings in Munich). He's known as the "Frugal Traveler" and often has some good tips on where to stay, book, and when to go.

One of his latest is "7 Steps To Cheaper Hotel Rooms". Its something that can help readers on FatWallet. Here is the article:http://www.nytimes.com/2014/08/10/travel/7-steps-to-a-cheaper-ho...

When reading I thought, "I could do better with some of my own tips" particularly when he mentioned Kayak.com as the site to use to check rates. For me, that is not a tip for 2014. It's more 2008. Why? Every time I search on Kayak it almost always pulls up the rates on Priceline or Expedia. This search "100 sites stuff" that Kayak touts in the slogans is highly questionable. They seem to search about 3 or 4 sites.

It seems plenty of readers felt that way too. So the "Frugal Traveler" gave us a follow up based on reader comments that is worth checking out.

His follow up was "Readers Respond To Hotel Tips":http://www.nytimes.com/2014/08/19/travel/readers-respond-to-hote...

In this one he takes it on the chin with some comments that some readers found questionable. However, what I saw as the best comment in both articles was the mentioning of BestTravelCoupon.com and how it measured up with Kayak. Kugel did a rate comparison test and wrote that it did "Search more sites than Kayak" (How could it not?) and that it beats "Kayak's best". I thought the "Frugal Traveler" came up with a good tip here. It's a site I use and it does beat up Kayak whenever I compare the sites.

Check out both links to the NY Times above. You'll find some good info in there on saving on travel including the stuff on BestTravelCoupon and a mention of Yapta which is a newer travel service for flights which I was not aware of.

Hope you find this useful.




Popular Destinations Deals
Westcott ipoint pencil sharpener/6.99/amazon save 65%
Added on : Thursday August 28th 2014 06:00:27 AM
g: 0 Posted By: Goldie53
Views: 136 Replies: 0 List Price: $19.99 Price: $10.17 Deal Price: $6.99 You Save: $13.00 (65%)


Battery powered pencil sharpener
Double blade technology for faster and longer lasting cutting performance
4 AA Batteries sold separately
Safety cut off when the shavings reservoir is removed
Manufacturer's limited one-year warranty


A unique design that delivers a unique performance. Featuring a proprietary 2 blade technology the iPoint Ball sharpens pencil 2 x faster than other sharpeners in its class. Features Sharp Sense technology that allows you to feel when the pencil is at the optimal point.
http://www.amazon.com/dp/B00A8YIAPA/ref=gb1h_img_c-2_1842_a2a167...

fulfilled through Amazon

Office & School Supplies Deals

Amazon Coupons
g: 0 Posted By: ctgolfer
Views: 201 Replies: 0 $110.40 with SYW membership ( free to join )

Includes power unit, two remotes, control console, wireless keyless entry pad, battery back-up unit, safety sensors, rail, hardware, operators manual
The Craftsman Garage Door Opener DC Belt with 3/4 HPS works even when theres a power outage
Belt drive and DC motor for ultra quiet operation and soft-start/stop performance
DieHard DC Battery back-up is always charged allowing door control, safety sensors and remote controls to operate on battery power for 20 open/close cycles
Includes 2 Security + 3-function remotes are perfect for multi-car families
LCD Smart-Motion Detecting control console opens and closes door from inside garage while sensing your presence and turning on opener lights automatically
Provides time, temperature, light and lock settings and system diagnostic messages
Wireless keyless entry pad allows access to garage without a key or remote using a secure 4-digit programmable PIN
Security + Anti-Burglary Coding rolling code changes every time button on the remote is pushed
PosiLock System securely locks door when it is down preventing intruders from entering garage
Manual Release Capability allows you to manually open or close garage door
Safety reversing sensors create an invisible beam that senses any obstruction in the way of the closing door and automatically reverses door before contact is made
HomeLink with QuickTrain Technology
Light delay feature turns lights off after a maximum of 4-1/2 minutes
Extension kits to complete installation for 8' and 10' doors are available
Professional installation available
Weighs 38.9 lbs.
Warranty: 10 year motor; 3 year parts


www.sears.com/craftsman-dc-belt-drive-garage-door-opener-with/p-...


not showing on product page yet - but is here: www.sears.com/shc/s/dap_10153_12605_DAP_deals-of-the-day
Home & Garden Deals

Sears Coupons
TrekSta Sync Men's Trail Running Shoes (reg $125) $69.95 Fs @ usoutdoor
Added on : Wednesday August 27th 2014 05:00:10 AM
g: 0 Posted By: tedhawkins
Views: 59 Replies: 0 TrekSta Sync Men's Trail Running Shoes (reg $125) $69.95 Fs @ usoutdoor

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

Description: TrekSta Sync Trail Running Shoes
The Treksta Sync Trail Runner is all about striking that perfect balance between comfort and ground feel. Loaded with Independent Suspension Technology in the sole, these shoes sense terrain underfoot and react accordingly in order to let you perform at your best. The NestFIT system works with the natural design of your feet to promote a unified front that helps each stride be your most efficient while also keeping you impressively comfortable. Breathable mesh in the upper portion lets your feet stay cool and helps them dry out quickly should you encounter wet conditions. Take control of the trails with the beautifully balanced Treksta Sync Trail Runner.
Features of the TrekSta Sync Trail Running Shoes

Upper: Synthetic Mesh
Outsole: HyperGrip
Midsole: Ultralight EVA
Weight: 1 lb 6 oz.

g: 0 Posted By: ctgolfer
Views: 159 Replies: 0 shipping adds $5

Adjustable for 3 modes of play
Fun Piano keys they can kick with their feet
Adjusts for play on both back and stomach
Musical rewards help baby understand the magic of cause & effect
As they grow rotate the keyboard to let them play sitting up
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g: 0 Posted By: robronson
Views: 108 Replies: 1 FWF is about maximizing value from your financial decisions. This is my first year doing real self-employed work as my full time thing with a 6-figure income. I've done a bunch of tax planning and am revisiting for the rest of the year now that my total 2014 income is easier to predict. I made several tracking estimation spreadsheets along the way and identified "bend points" whereby it would be extremely valuable to get a little bit extra of a business deduction, as well as other income threshholds where the additional business deduction was much less valuable.

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

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

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

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

I haven't seen any other discussions like this on the forums. I do know typically, most small business owners just splurge on stuff in late December if their accountant suggests they do. I don't want to be one of those people because then I'll have to pay full price for things. If I know that I should buy a new computer in a given year to reduce my tax liability, if I realize this in August, then I have 5 months to look for a sale and also possibly get an additional 5 months use out of it.
Discussion Deals
FATCA implementation in Cyprus - it's in effect here now it appears
Added on : Thursday August 21st 2014 03:00:09 AM
g: 0 Posted By: GotRocks
Views: 48 Replies: 1 I've had a bank account in Cyprus, where I now live, since 2008. I moved here permanently in 2011. Opening the account was simple and they even used my US address until I had one in Cyprus. I only had to provide my passport to open the account. I've complied with FBAR since I opened the account.

Today I went into my bank to arrange to get a new ATM card (current card expires soon) and was met with a barrage of forms. At first I thought that this was the typical bureaucratic nonsense of banking here in Cyprus (enhanced by the crisis last year). But no....I was wrong. They wanted my SS number and a copy of my SS card (which I do not carry with me here in Cyprus) and I had to sign some forms saying I was a tax resident of the US (kind of weird because even though I do not live in the US, if you are a US citizen, you are subject to US income tax). They weren't US or Cyprus gov forms, they were bank created forms.

I had been wondering when something like this was going to happen and now it has. So it appears that Cyprus is complying with FATCA. I am glad to know that they weren't going to close my account.

It doesn't seem that this bank is actively soliciting getting Americans' SS numbers as FATCA has been in effect since 14 July (I believe). I think that they are just updating the info when the American customer comes into the bank for something. I expect they'll get around to hunting the rest of us down in the next few months. Not that many Americans in Cyprus.
General Economics Deals
WBM Himalayan Ionic Crystal Natural Salt Lamp (7-11lbs) $16 @ Home Depot
Added on : Wednesday August 20th 2014 12:00:04 AM
g: 0 Posted By: ctgolfer
Views: 218 Replies: 0 Purify the air and beautify the home. Relax in the warm glow of this Himalayan Natural Salt Crystal Lamp. It is wholesome and good for a creative mind. Bring divine harmony to any room with this beautiful salt crystal lamp. Its therapeutic glow of orange hues infuses a natural calm bringing the mind and body to a gradual sense of tranquility and well being. Experience it for yourself, but wait. This is not the only reason to have a salt crystal lamp. This lamp is scientifically proven to work like an air purifier and is often called - Natures Air Purifier. Place this lamp in your child's room and watch him fall asleep with gentle ease or put it next to your computer and feel your stress dissipate as the negative ions counteract the electromagnetic fields bouncing off the computer. Item#1002 Comes with 15-Watt Bulb, on/off switch and 6.5ft electric cord UL listed (complete lamp) Weight: approx:7-11 lbs Dimensions: approx:4.75 in. x4.75 in. x8.32 in. No two are alike, due to the nature of rock color, size, weight may vary. Disclaimer the statements enclosed herein have not been evaluated by the Food and Drug Administration. The products mentioned on this site are not intended to diagnose, treat, cure, or prevent any disease. Information and statements made are for education purposes and are not intended to replace the advice of your family doctor.
Hand carved Himalayan salt crystals
When the lamp is lit, it emits negative ions that fight against positively charged particles like allergen, smoke, dander, pollens and other air pollutants that cause a stuffy and sluggish feeling
You can change the color of the bulb to give a different hue to the lighting area
Helps eliminate Allergens, Smoke, Dander, Pollen and other air pollutants

www.homedepot.com/p/WBM-Himalayan-Ionic-Crystal-Natural-Salt-Lam...
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g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 Purify the air and beautify the home. Relax in the warm glow of this Himalayan Natural Salt Crystal Lamp. It is wholesome and good for a creative mind. Bring divine harmony to any room with this beautiful salt crystal lamp. Its therapeutic glow of orange hues infuses a natural calm bringing the mind and body to a gradual sense of tranquility and well being. Experience it for yourself, but wait. This is not the only reason to have a salt crystal lamp. This lamp is scientifically proven to work like an air purifier and is often called - Natures Air Purifier. Place this lamp in your child's room and watch him fall asleep with gentle ease or put it next to your computer and feel your stress dissipate as the negative ions counteract the electromagnetic fields bouncing off the computer. Item#1002 Comes with 15-Watt Bulb, on/off switch and 6.5ft electric cord UL listed (complete lamp) Weight: approx:7-11 lbs Dimensions: approx:4.75 in. x4.75 in. x8.32 in. No two are alike, due to the nature of rock color, size, weight may vary. Disclaimer the statements enclosed herein have not been evaluated by the Food and Drug Administration. The products mentioned on this site are not intended to diagnose, treat, cure, or prevent any disease. Information and statements made are for education purposes and are not intended to replace the advice of your family doctor.
Hand carved Himalayan salt crystals
When the lamp is lit, it emits negative ions that fight against positively charged particles like allergen, smoke, dander, pollens and other air pollutants that cause a stuffy and sluggish feeling
You can change the color of the bulb to give a different hue to the lighting area
Helps eliminate Allergens, Smoke, Dander, Pollen and other air pollutants

www.homedepot.com/p/WBM-Himalayan-Ionic-Crystal-Natural-Salt-Lam...
Home & Garden Deals

Home Depot Coupons
g: 0 Posted By: ctgolfer
Views: 143 Replies: 0 shipping adds $5

Ultra-quiet high-power 1200 watt motor with electronic variable speeds: 5 speeds ranging from 6500rpm-13000rpm for juicing soft or hard fruits and vegetables
Nutri Disc with titanium reinforced cutting blades and stainless steel mesh filter basket for shredding fruit and spinning out the pulp
Puree disc and insert: stainless steel puree disc and soft fruit insert helps ensure maximum yield from your softest fruit and vegetables
Patented extra-wide feed chute (3 wide): juice large fruits and vegetables with little to no cutting or preparation
Patented direct central feed system for maximum juice extraction
Noise and vibration control: patented unique direct central feed system, which centers the chute over the Nutri Disc to minimize vibration and noise
Heavy grade die-cast metal body for durability
1.2 liter juice jug (34 fl. oz.) with froth separator
Large capacity pulp container (3L.)with integrated handle
Cord storage: the power cord wraps around feet and clips into position under the base for a reduced counter-top footprint
Safety Locking Arm prevents the juicer from operating without the cover locked into place
Overload protection prevents over-heating, automatically shutting the machine down when it senses that the machine is overloaded
All materials that come in contact with food are BPA-free, ensuring safe use
Easy clean-up with the included cleaning brush. All parts except for the mesh filter basket/Nutri Disc and food pusher can be washed on the top shelf of the dishwasher

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g: 0 Posted By: ctgolfer
Views: 157 Replies: 0 Ships from/sold by Red Dot

use promo code: SUPER10

offer for new customers only

Video FeaturesThe feel, shape, and sensitivity of the dual analog sticks and trigger buttons have been improved to provide a greater sense of control, no matter what you play.
Video FeaturesThe new multi-touch and clickable touch pad on the face of the DualShock4 Wireless Controller opens up worlds of new gameplay possibilities for both newcomers and veteran gamers.
Video FeaturesThe three LEDs inside the light bar can generate a rainbow of colors, that combine with the PlayStationCamera, to create immersive gaming experiences. It also allows for easy player identification and screen adjustment when playing with friends in the same room.
Video FeaturesThe DualShock4 Wireless Controller features a built-in speaker and stereo headset jack, putting several new audio options in the players hands.
Video FeaturesThe addition of the Share button makes utilizing the social capabilities of the PlayStation4 as easy as the push of a button. Upload gameplay videos and screenshots of your greatest accomplishments or live-stream your gameplay sessions through popular Internet streaming services, all without disturbing the game in progress.
Video FeaturesMultiple vibration motors give games a greater degree of expression and heighten the sense of immersion for players.
Video FeaturesThe DualShock4 Wireless Controller can be easily be recharged by plugging it into your PlayStation4 system, even when on standby, or with any standard charger with a micro-USB port.


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g: 1 Posted By: GraPaJo
Views: 184 Replies: 0 3 Book Set: How To Draw & Paint Horror, Adventure & Science Fiction Characters & More - SHIPS FREE!

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This 3 book set by illustrator Jacob Glaser features step-by-step instructions for drawing
ray guns, aliens, gnomes, maidens,vampires and more! They also include tips on digital coloring.
Learn the tips and tricks that you need to succeed in today's illustration market or simply
have fun at home with the professional instruction of a true master.

About the author:

Jacob Glaser is a professional illustrator who lives in Long Beach, CA. After earning his BFA in illustration,
he worked at several companies as a staff artist and art director before becoming a full-time freelance illustrator.
Jacob believes in aliens, ghosts, and all sorts of magical nonsense-possibly because he played Dungeons and
Dragons too often in high school.
Books Deals
g: 1 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/dp/B007S63PS8

New! Revised and expanded edition!
Artisitc composition is where the rubber meets the road...it's the difference between a snapshot and a photograph you would be proud to hang on the wall!

Here's the table of contents to show you a bit of what is covered:

Introduction
The Fastest Way To Master Your Camera
Light
Make Your Own Softboxes
3 Steps to Stunning Photography!
Elements Of Composition
Composition Defined
Framing Elements
Cultural/Psychological Positioning
Physical Positioning
Visual Framing
Vignette
Shape
Size
Space
Mood
Diagonals
Symmetry/Asymmetry
Shoot From A Unique Vantage Point
Directing The Eye
Leading Lines
Horizontal, Vertical And Diagonal Leading Lines
Photo Exercise 1
The Rule Of Thirds
The Bull's Eye
The Power Points
The Power Lines
Breaking The Rules
Photo Exercise 2

Additional Photo Training
Leading Lines - Leading lines are photo elements that will draw the viewers eye into the photo (and keep it there). Plus, they direct attention to the main subject in the photo and make it "read" the way you envisioned it.
Diagonal Lines - Diagonal lines in a photo are powerful! If you want to denote power and dynamism in your photos, use diagonal lines.
The Rule Of Thirds - The old standby...the rule of thirds is probably the most well known compositional rule. We cover it to be complete. Who knows, maybe this is the first photo book you've read!

And more...And more...And more...
Between the text, sample photos and training exercises - this easy to understand volume will have you comfortable with all the photo composition concepts and shooting better photos in no time.



Professional Portraits with Adobe Photoshop CC & CS (MPSQE * Master Pro Secrets Quick & Easy Book 2)
http://www.amazon.com/gp/product/B00IRHAZFS

Learn Adobe Photoshop Portrait Editing - Fast and Easy
Professional Portraits with Adobe Photoshop CC & CS is written for all current versions of Adobe Photoshop CC and CS. This book contains hands-on easy-to-follow step-by-step instructions suitable for all levels of users. Beginners will find the instructions easy to understand. Seasoned users will find this book a great refresher. In Professional Portraits with Adobe Photoshop CC & CS you will:

Learn how to remove blemishes, pimples and wrinkles...
Learn how to blend away dark circles from under the eyes...
Learn how to enliven the eyes and enhance the lips...
Learn how to soften the skin and create appeal...
Learn how to work with Layers, Masks and much, much more.

Professional Portraits with Adobe Photoshop CC & CS will teach you the SIMPLE SECRETS of the Pros faster than you can read most photography books - guaranteed!! If you are not satisfied just return the book to Amazon.
Written for those who want to start editing their portraits right away.
Turn everyday boring portraits into Amazing Portraits.
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Download the practice image and start editing immediately.
Let Professional Portraits with Adobe Photoshop CC & CS guide you to better portrait photography.

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g: 0 Posted By: Deals4mykids
Views: 98 Replies: 0 Save $22 and free store pickup

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The DieHard 10 amp charger is hard-wired with copper wound transformers to prolong life span, so you can rely on it for your vehicle for years to come. In addition, the charger is housed in a heavy-duty propylene case, resistant to rust and shock, to keep your product in tip-top shape. For your safety, the charger has spark-proof protection, and is enhanced with silicon diodes for optimum performance. Built to last, this no-nonsense charger will have you up and running in no time.

The DieHard automotive battery charger is UL listed, meaning it has been manufactured with safety in mind, ensuring your protection against chemical and electrical malfunction.
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Weighing only 10 pounds, this charger is portable and easy to handle.
This item comes with a 3-year warranty.
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g: 2 Posted By: remick
Views: 217 Replies: 0 12000 Word Scramble Puzzles to Improve Your IQ
http://www.amazon.com/dp/B00GL4IKUG/

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




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

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



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

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



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

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



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

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



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

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



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

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



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

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



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

Strategy games, do you play them, or are you an avid fan, well this book is for you. You will learn about the strategy game basics and quick glimpse in the wonderful world of strategy game. Educate yourself about campaigns and what every strategy game player should know. Educate yourself about campaigns and what every player should know. Campaign aspects and what characterize one, discover them in this book. Tutorials, do you know how to use them. Well read on, and learn how they will help you to have the best strategy game experience. Know the resources and how to use them to your advantage. Patterns will also be explored in this book as well as the consequences involved. Colonies and objectives is another aspect that will make the game experience better. Find out why objectives and colonies vary for every strategy game. Minions, wonder what that is, you definitely will find out by turning the page and learn about their role in strategy game. Need to know the spice and thrill in every strategy game, well read on. Minions, combats and forces work together learn how. Ever been a hero in a strategy game, no! Discover how and what it takes to be one. This book is a must read for all strategy games lovers.
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Sony - DualShock3 Gaming Pad - White $29.99 @ Best Buy or Amazon
Added on : Thursday August 14th 2014 11:00:02 AM
g: 0 Posted By: ctgolfer
Views: 142 Replies: 0 Pressure sensors that rumble with each action making every impact feel like you?re right in the game
SIXAXIS highly sensitive motion control system senses your every move
Features Bluetooth technology for wireless game play; the PlayStation 3 system can support up to seven wireless controllers at one time
Can be charged at any time through the PlayStation 3 system using the controller?s USB cable
The only Bluetooth controller for the PS3 system

Best Buy
www.bestbuy.com/site/sony-dualshock3-gaming-pad-white/9827425.p?...

Amazon
www.amazon.com/dp/B003WY86L6/
g: 0 Posted By: ctgolfer
Views: 173 Replies: 0 Canon PowerShot SX510 HS - Digital camera - compact - 12.1 Mpix - 30 x optical zoom - Wi-Fi - blackCompact and comfortable to hold, the PowerShot SX510 HS camera creates images hard to match with a smartphone, with wireless sharing from virtually anywhere. Expanded built-in Wi-Fi offers quick and easy setup, and lets you post to Facebook, Twitter, YouTube and Flickr, send to email, plus share with your tablet, smartphone, networked PC and wireless PictBridge certified printer. With the ultra-powerful 30x optical zoom, you can capture an athlete's facial expressions from up in the bleachers, achieving crisp clarity with Canon's optical image stabilizer. The 24 mm wide-angle lens captures family groups and landscapes with ease. Experience low-light shooting like never before with the Canon HS system: a 12.1-megapixel high-sensitivity CMOS Sensor and DIGIC 4 image processor. And preserve memories you'll want to relive in spectacular 1080p Full HD video. Smart AUTO senses and chooses the perfect camera settings for 32 pre-defined scenes, making every shot (and video) a winner. Shooting is fun and spontaneous with high speed AF, and zoom framing assist makes it easy to keep subjects in sight at the long end of the zoom. The camera is equipped with Intelligent IS that diminishes blur caused by camera shake, and a big, bright 3.0-inch LCD screen makes it easy to shoot and review your stills and video.

30x ultra-zoom, 24 mm wide lens
Get closer and capture the full detail of distant subjects with a huge 30x optical zoom, or up to 60x with ZoomPlus. Fit more in the frame with 24 mm ultra-wide-angle for great group shots and stunning landscapes. The huge zoom fits neatly into a mini bridge style body that's so small it's easy to carry, wherever you go.
HS system
HS system excels in low light allowing you to capture the real atmosphere of the moment without flash or a tripod. A high performance DIGIC 4 processor and high-sensitivity 12.1-megapixel CMOS image sensor give superior image quality in all situations.
Intelligent IS
An optical image stabilizer with intelligent IS automatically combats camera shake to prevent blur giving sharp, detailed photos and videos at full zoom or when shooting handheld in low light.
Wi-Fi, GPS via mobile
Wi-Fi lets you connect easily with home wireless networks, compatible printers and PCs, plus portable devices like smartphones and tablets, for fast, online image sharing and backup. Use your smartphone's GPS to tag images with shooting locations over Wi-Fi.
Full HD movies
Easily record Full HD movies (1080p) with stereo sound and optical zoom, with one touch of the movie record button. Enhanced dynamic IS powerfully compensates for movement in movies for smooth results when shooting on the move.
7.5 cm (3.0") LCD
A large, high quality LCD screen with wide viewing angle allows for easy framing, effortless menu navigation and pleasurable reviewing and playback. Easy hints and tips help you understand your camera and improve your results.
Smart auto
Effortlessly shoot great photos or movies with smart auto, which detects the scene and selects optimal settings from 32 variables (21 in movies). All you have to do is point and shoot.
Zoom framing assist
Zoom framing assist helps keep track of distant subjects at high zoom in stills and movies. At the press of a button the camera quickly zooms out of the scene - so you can relocate the subject - zooming back the moment the button is released. Auto mode can track a moving face and does all the zooming for you, so all you need to do is take care of the framing.
Creative filters and manual modes
Get creative and take your photography to the next level with full manual control of shutter speed and aperture. Capture beautiful close up detail using 0 cm macro mode.


www.sears.com/canon-12.1-mp-powershot-digital-camera-sx510-hs/p-...
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Accelerate Auto Payoffs or Invest?
Added on : Thursday August 14th 2014 02:00:04 AM
g: 0 Posted By: LeonSandcastle
Views: 10 Replies: 0 I'm having a tough time making up my mind on this. Recently, I've come to the conclusion that when financing a car, I won't go longer than 3 years in the future. However, I currently have 2 car loans, with 4.5 and 5 years remaining, at 2.90% and 2.69% respectively.

I have the ability to pay double on one loan, pay it off quickly, and then apply the money to the other loan and have them both paid off in 3 years, or I could pay them off as scheduled within 5 years, and have that extra $600/mo to invest.

I know a lot of the financial gurus suggest paying off car loans as quickly as possible, but I'm not sure if that advice makes as much sense when the money is borrowed at less than 3%.

How would you approach it?
Question Deals
g: 0 Posted By: tedhawkins
Views: 55 Replies: 0 Guess Women's U0018L3 Two-Tone Stainless-Steel Quartz Watch with Silver Dial $62.99 Fs @ areatrend

http://www.areatrend.com/guess-u0018l3-watch-1681888788.aspx

Upgrade to style and sophistication with this elegant Guess watch. Boasting a stunning 35mm stainless steel case matched with a secure stainless steel band, this timepiece makes an ideal accessory for any affair. The silver dial sits under a mineral crystal, which combines a stylish look and an easy-to-read display. The sleek, subtle design instills this watch with an unmistakable sense of luxury that cannot be matched.
Looking for insurance risk knowledge and Car Share ideas
Added on : Sunday August 10th 2014 04:00:07 PM
g: 0 Posted By: nyccpa
Views: 11 Replies: 0 Hi All,

I am reaching out to the FWF community to pick your knowledge and brains. I live in NYC and keep a car in a garage. A good friend of mine and I have been discussing starting a car share where he would generally have whatever access he wants to my car when I am not using/needing it. There are two issues: a) insurance concerns and b) cost structure

Car - 2007 Hyundai Santa Fee, 93k miles
My fixed expenses for the car:
$820 for insurance
100 per month for parking (after effective tax benefit)
Total = $168 monthly, $2,016 yearly

A) Insurance concerns:
My main concern around this is if an accident happens, and my insurance skyrockets (from $800 a year to 2k, 3k, and up) or I become uninsurable as a result. I have Geico - I called Geico to ask if I can add my friend to my insurance as he may be driving my car sometimes. They had no issue with it and adding him did not result in a premium increase. However, when I asked them is it easy to remove him if he no longer needs my car they seemed to have some issue with it, indicating they would need proof that he is insured elsewhere (meanwhile he doesn't have his own car...). Does this make sense to anyone? Also, are there any pitfalls that I am not thinking of here?

B) Cost Structure:
I was thinking something like a flat fee per month to have access to the car and share in the fixed costs (70-100), which would also allow some kind of estimates miles. I was worried tons of mileage could get put on if he took a ski trip or something to Vermont and put on 500-600 miles, so I was thinking there would be a charge for miles above the miles allotted for the "fixed costs miles."

I welcome any ideas/risks on the above. Am I being penny wise, pound foolish in even considering taking on this kind of risk? I also have a side business and could potentially create some kind of empoyer/employee relationship and having the business insure the car, etc... but I know nothing of this area.

Thanks in advance,
David
Discussion Deals
g: 0 Posted By: jskins
Views: 65 Replies: 0 Hisense 50" 1080p LED Smart HDTV (50K610GW) *Refurbished*- $329.99 using $20.00 coupon code VCO when you check out with Visa Checkoutand $50.00 rebate+ free shipping at Newegg. (Deal Ends 8/11)

1920 x 1080 Display
120Hz Refresh Rate
2M:1 DCR
6.5ms Response
4 x HDMI
Built-in Wi-Fi


The next lowest price for this TV from a rated merchant on Google Shoppingis $467.99.
PNC 1% Premium Money Markey Account Issues
Added on : Saturday August 09th 2014 06:00:07 AM
g: 0 Posted By: Bathead12
Views: 27 Replies: 0 Has anyone else had any issues signing up for the PNC Premium Money Market account promotion for 1% guaranteed for 1 year?

I received the following promotion by email and I both called and went into the branch and they said "they don't see this promotion available". Below is the full promotion. They didn't mention that this promotion expired or was not longer available, they just said that have no record of this promotion. Makes no sense and it seems like at best this is bad communication and at worst "bait and switch"

We value our relationship with you. And now you can earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12 months if you open a new Premium Money Market account and maintain a balance of at least $20,000. Remember your account is FDIC insured to the maximum permitted by law.

Earn 1.00%* Annual Percentage Yield (APY) guaranteed for 12months.

Take advantage today! This offer ends 8/29/2014.
Question Deals
g: 0 Posted By: ctgolfer
Views: 201 Replies: 0 shipping adds $5

Specifications Dimensions: 13" L x 18" W x 13" H Weight: 8 pounds Construction: Stainless Steel
In the Box:

(1) Fire Sense 60709 Notebook Charcoal Grill, Stainless Steel



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

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

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

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

FICO Recalibrates Its Credit Scores

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

Paying off a collection may actually make sense now that it won't have an impact on your score... this may be useful for people negotiating debts in a situation where the creditor refuses to remove the tradeline.
Credit Deals
Does anyone here not keep a budget or balance their checkbook?
Added on : Thursday August 07th 2014 05:00:06 PM
g: 0 Posted By: timgodsil
Views: 116 Replies: 7 I feel no reason to, for two reasons..

Budgeting: doesn't make sense in my opinion, you budget $20 a month for clothing, but what if you don't spend that amount? Breaking your money into categories which you may or may not spend seems silly.

Checkbook register: I find it weird a lot of people my age (20s) still do this. I have the ability to check my balance 24/7, I live below my means, so I don't run out of money, and I log into my bank every week to see if any transactions popped up I didn't know about.

Anyone else in the same boat as me?
Discussion Deals
g: 1 Posted By: remick
Views: 131 Replies: 0 http://www.amazon.com/gp/product/B00F8H7EPO/

The emotional weight of estate planning may feel unbearable at times, bowling you over, grinding your nerves like sand in the gears. This process can bring on bewilderment, resentment, fear, greed and insecurity. The actual documentation of the estate plan is the easy part compared to figuring out exactly what you want the plan to say and do.

Estate planning may scare you off with its legal lingo or you may be avoiding it due to concerns about creating family feuds, spoiling your kids, having your intentions be misunderstood, taxation, lawsuits, and, of course, the most common wealth-based issue: fear of being taken for granted.

If you are experiencing any of these symptoms, you can take comfort in the knowledge that many others have gone through these same issues. This book will provide you with Straight Talk, common sense answers to the extensive collection of questions Ive received from clients, prospects, family members, friends and colleagues over the years. From estate planning basics to the high-anxiety, complex issues, no question is off limits.
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g: 0 Posted By: tedhawkins
Views: 145 Replies: 0 Puma Men's Motor PU102741001 Black Polyurethane Quartz Watch with Grey Dial $56.99 Fs @ areatrend

http://www.areatrend.com/puma-pu102741001-watch-1681887869.aspx

Upgrade to style and sophistication with this elegant Puma watch. Boasting a stunning 47mm stainless steel case matched with a secure polyurethane band, this timepiece makes an ideal accessory for any affair. The grey dial sits under a mineral crystal, which combines a stylish look and an easy-to-read display. The sleek, subtle design instills this watch with an unmistakable sense of luxury that cannot be matched. Additional features include a chronograph, luminous, measures seconds, and water resistant to 50 meters.
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g: 0 Posted By: st4rdust
Views: 314 Replies: 0 Amazon Warehouse (Fulfilled by Amazon) has theArt of Appreciation Gift Basket "Dressed to Impress" Spa, Bath & Body Gift Boxon sale for$11.57with Free Super Saver Shipping on orders of $35 or more.

You may have to select this from the list of other sellers. This is priced for ~$70 at other Amazon sellers.


3.6/5 stars based on 14 customer reviews.


This luxurious gift is "Dressed to Impress" with stylish spa products and decadent gourmet treats!
Pamper your diva with Lightly Scented Floral Bath and Body Shower Gel, Moisturizing Body Lotion, Exfoliating Body Scrub, Soothing Bath Crystals, Pink Rose Shaped Soaps, and Tealight Candles to make her personal spa bath time extra special.
Indulge her sense of good taste with Cinnamon Sugar Cookies, decadent Chocolate Espesso Cake, Enli-Tea-Ments English Breakfast Tea, and more.
Each gift is hand crafted with attention to detail and includes a personalized gift card to convey your best wishes.
Ships in Certified Frustration-Free Packaging

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g: 0 Posted By: ctgolfer
Views: 93 Replies: 0 Quick and Easy Setup in Minutes!

Simply replace the current wall console of your existing Craftsman garage door opener with the new AssureLink Motion Detecting wall console
Connect the AssureLink Gateway to your internet router
Setup your AssureLink account on-line and then download the free app from your smartphones app store

Kit IncludesCraftsman AssureLink Internet Gateway

Allows you tomonitor andoperate your garage door from anywherewith your internet-enabled smartphone,laptop, or tablet via the Free Craftsman AssureLink mobile app or web-interface.
Connects to your internet router to enable communication to and from the garage door opener
Perfect for those times when you are away from home and cant remember if you have closed your garage door.
Allows you to provide access to your home (via garage door) as needed for family, friends, deliveries, etc. when you arent at home.

Multi-Function Motion Detecting Wall Console

Multi-function console allows for operation of the opener from inside the garage, turns opener lights on and off, lock/vacation button to lock out remotes when away from the home for extended periods of time
Turns on the opener lights when movement is sensed in the garage
FeaturesTimer-to-Close

This feature (built into the wall console) may be quickly programmed toautomatically close the garage doorafter 1, 5, or 10 minutes

FeaturesAlert-to-Close

Ensures thehighest level of safety, the garage door opener lights will flash and a warning alarm will sound when closing the door through the AssureLink Gateway or the Timer-to-Close feature alerting anyone in the area is notified that the door is closing.


Set and Receive Automatic Alerts - Anytime, Anywhere

Set and receive notification vial e-mail and/or smartphone push notification when the status of your garage door changes
Multiple alerts can be configured at one time and customized to your needs

Included in the box:

Multi-Function Motion-Detecting Wall Control
AssureLink Gateway
3 ft. Ethernet cable
Power cord
Owners Manual

1-year Limited Warranty

www.sears.com/craftsman-assurelink-garage-door-opener-smartphone...
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g: 0 Posted By: remick
Views: 138 Replies: 0 http://www.amazon.com/dp/B008UUII60/

These are the letters my father wrote to my mother during his experiences as a navigator and bombardier on the B-26 Marauders during World War II. [397th Bomb Group, 598th Bomb Squadron]

5.0 out of 5 stars A Slice of Life As It Was August 17, 2012
It turns out that violinist Connie Sunday is also talented in literature. She took letters that her father wrote to her mother during World War II that powerfully illustrate the way thousands of soldiers must have thought about their wives and families back home. Connie does an excellent job of editing and focusing those letters. You sense her father's fears that he would not be able to keep their love alive from afar. The writing is simple and clear and for that reason, powerful. You have to piece the contents of his wife's letters back to her husband by his comments--her letters no longer exist. This book profoundly illustrates how little us human beings change over the centuries. A very good read.
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g: 0 Posted By: Atariman56
Views: 51 Replies: 0 Amazing Led Light Arrow Rocket with Elastic Slingshot, Funny Flying Toy Party Gift, 10Pcs/Pack $9.99 with $2.00 0ff and free shipping with code MLCB04EN for a total of $7.99.Shipping from China so expect 2-3 weeks for delivery.

Link here.....

Not for children under 12 or adults with a strange sense of humor.







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

Thoughts?
Hotel Deals
g: 0 Posted By: ctgolfer
Views: 124 Replies: 0 Condition: Recertified
Packaging: Hassle-Free
Warranty: 90 Days
Brand: Bose
Model: QC-15

Product Features:
Quality audio performance from the TriPort acoustic headphone structure
Tiny vents in the ear cups enable a balanced audio performance
Uses microphones both inside and outside each ear cup to sense and reduce the sounds around you
Noise reduction across a wider range of frequencies
Comfortable around-ear cushions are perfect for long listening sessions
Soft-cushion design to establish a critical acoustical seal between the ear cups and your head
Fold-flat ear cups rotate 90 for easy storage and portability
Single, detachable audio cable for greater convenience than standard dual-cable designs
AAA battery provides an average 35 hours of playing time (not included)

What You Get:
Bose QuietComfort 15 Acoustic Noise-Cancelling Headphones
Detachable Audio Cable

www.dailysteals.com/#deals/29559
Daily Steals Deals
g: 0 Posted By: ctgolfer
Views: 133 Replies: 0 49-1/2" screen measured diagonally from corner to corner
For optimal viewing in medium rooms.
VESA 400mm x 400mm compliant
Allows simple wall mounting. Included stand enables stable placement.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies.
Inputs
Include 2 HDMI, 1 DVI, 1 composite and 1 component video.
2 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
DVI interface
Provides a direct digital-to-digital video hookup with compatible devices.
USB port
Allows you to easily display stored picture files on the TV.

www.bestbuy.com/site/hisense-50-class-49-1-2-diag--led-1080p-60h...
g: 0 Posted By: ctgolfer
Views: 134 Replies: 0 40" screen measured diagonally from corner to corner
For optimal viewing in medium rooms.
VESA 200mm x 200mm compliant
Allows simple wall mounting. Included stand enables stable placement.
1080p display
Provides a highly detailed picture and is ideal for 1080p-capable content, including Blu-ray movies.
Inputs
Include 2 HDMI, 1 DVI, 1 composite and 1 component video.
2 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
DVI interface
Provides a direct digital-to-digital video hookup with compatible devices.
USB port
Allows you to easily display stored picture files on the TV.

www.bestbuy.com/site/hisense-40-class-40-diag--led-1080p-60hz-hd...
Lego: Marvel Super Heroes (Xbox 360) $19.98 @ Walmart or Amazon
Added on : Friday August 01st 2014 08:00:03 PM
g: 0 Posted By: ctgolfer
Views: 84 Replies: 0 Smash, swing and fly in the first LEGO videogame featuring more than 100 of your favorite super heroes and super villains from the Marvel Universe, including Iron Man, wolverine, Hulk, Spider-Man, Captain America, Black Widow, Loki and Deadpool.
Help save Earth as your favorite Marvel character with your super-cool strengths and abilities:
Iron Man can fly, hover, shoot missiles and unleash a powerful energy beam directly from the Arc Reactor.
Spider-Man can shoot webs, use his heightened senses to spot objects invisible to others, crawl up walls and of course web-swing.
Captain America can throw his shield at objects or enemies, embed it into a wall to create a platform, use it to deflect lasers or to protect himself from damage.
Hulk can smash!
Perform new and powerful moves as "BIG-fig" characters like Hulk and Abomination. Leave a path of destruction as you smash through LEGO walls and throw cars using hyper strength.
Discover LEGO New York like never before, and travel to iconic locations from the Marvel Universe such as the X Mansion, Asteroid M and Asgard.
Create unique super heroes with customizable characters.
Enjoy an exciting original story, filled with classic LEGO videogame adventure and humor.
ESRB Rating: EVERYONE 10+ with Cartoon Violence

www.walmart.com/ip/Lego-Marvel-Xbox-360/23014827

A.mazon link:
www.amazon.com/dp/B00B98HF1O/
g: 0 Posted By: ctgolfer
Views: 206 Replies: 0 Due to WaterSense regulations in the state of New York, please confirm your shipping zip code is not restricted from use of items which do not meet WaterSense qualifications
3-function showerhead and handshower for versatile use
60 in. hose is ideal for cleaning children or pets
3-way diverter offers use of 1 or both showerheads
Installs to an existing shower in as few as 5 minutes with no drilling
Includes hardware for hassle-free installation
Lifetime Pforever Warranty covers finish and function for life

www.homedepot.com/p/Pfister-3-Spray-Handshower-Showerhead-Slide-...
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Home Depot Coupons
g: 0 Posted By: DizzyT71
Views: 240 Replies: 2 Newegg.com has the Refurbished Hisense Sero 7 Pro 7" Android 4.2 Quad Core Tablet (M470BSA)for $89.99 - $40MIR= $49.99 with free shipping.

Compare at Amazon for $79.99.

Quad Core nVIDIA Tegra 3 processor
5 Point multi-touch
Android 4.2 OS
GPS
7" 1280 x 800 IPS display


3/5 Eggs based on 105 customer reviews on product page.
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g: 0 Posted By: tedhawkins
Views: 172 Replies: 0 Salomon Sense Pro Trail-Running Shoes - Men's - 2014 Closeout $64.73 Fs @ REI

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

Door-to-trail shoe; cushioned enough to handle asphalt on the way to the trail
Profeel Film protects foot from rocks while allowing precise feel of the ground
Sensifit upper construction wraps foot for excellent hold
Quicklace lacing system with friction-free eyelets takes just a single pull for a perfect fit; lace pocket hides laces away
EVA molded footbed
Endofit internal fit sleeve delivers seamless comfort and intuitive feedback
Contagrip outsole is nonmarking and made of a combination of rubber types for ideal grip in both wet and dry conditions
Snug racing fit
Shoes Deals

REI Coupons
g: 0 Posted By: tedhawkins
Views: 79 Replies: 1 Clothing Arts Pick-Pocket Proof Travel Pant (Men's) $79.95 + $4.99 Shipping @ 98main

http://www.98main.com/



The Clothing Arts Adventure Travel Pant is a no-nonsense take on comfortable, travel clothing. These pick-pocket proof pants have three levels of security to protect your passport, ID, credit cards, and valuables. Cargo pockets resist cuts to protect your property. The Clothing Arts Travel Pant is also wrinkle-free, lightweight, and quick drying.

100% nylon Nature-Like fabric
Wrinkle-free and quick-drying for convenience
Lightweight and breathable, for comfort
Gusseted, snapping, buttoned, and zippered pockets for incredible security
Diamond gusset crotch for greater movability
Internal front pockets on both sides fit smartphones, ID, credit cards, cameras and more
Cut-resistant, double-secure side cargo pockets at your fingertips
Patented rear cargo pockets are gusseted to fit guidebooks
Hidden passport pocket within three levels of security


Clothing Deals
g: 0 Posted By: ctgolfer
Views: 170 Replies: 0 Product SpecificationsLimited Warranty

3D Features

3D Format Support : Yes
Simulated 3D : Yes
3D Sync Transmitter Integrated : Yes
3D Super-resolution : Yes
Auto 3D Depth Adjustment : Yes
3D : Active

Audio

Audio Power Output : 10W + 10W + 10W
Speaker Configuration : 2.1ch, Tweeter (20x40mm )x2, Woofer (57mm) x2, Assist Woofer (60mm)
Speaker Position : Down Firing

Audio Features

Sony Original Surround : S-Force Front Surround
Headphone/Speaker Link : Yes
Simulated Stereo : Yes
Alternate Audio (Digital) : Yes
Clear Phase Speaker : Yes
Sound Enhancer : Yes
Signal-to-Sound Architecture : Yes
Auto Mute (on no signal) : Yes
Bass Ref Box Speaker with Tweeter : Yes
Sound Mode : Standard ; Cinema ; Sports ; Music ; Game ; Compressed Audio
S-Master : Yes
Invisible Speaker : Yes
Advanced Auto Volume : Yes
Sound Booster : Yes
Stereo System : MTS(AUTO SAP)
5.1ch Through Out (Handycam) : Yes
Audio Out : Fixed/Variable
Dolby : Dolby Digital, Dolby Digital Plus, Dolby Pulse
5.1 Channel Audio Out : Yes

Convenience Features

Picture Adjustments Lock : Yes
On/Off Timer : Yes
Auto Shut-off : Yes
On-Screen Display for External Input : Yes
Info Banner : Yes
Parental Control : Yes
Channel Block (with password) : Analog & Digital
Auto Photo Mode : Yes
BRAVIA Sync : Yes
Picture Frame Mode : Yes
Twin Picture : PAP(Variable)
USB Play (Contents) : MPEG1/ MPEG2PS/ MPEG2TS/ AVCHD/ MP4Part10/ MP4Part2/ AVI(XVID)/ AVI(MotinJpeg)/ MOV/ WMV/ MKV/ WEBM/ 3GPP/ MP3/ WMA/ WAV/ JPEG/ MPO/ RAW(ARW)
Scene Select : Photo; Music; Cinema; Game; Graphics; Sports; Animation
Show/Hide Channels : Yes
Panorama : Yes
Skin Naturalizer : Yes
USB Super Multi-Format Play : Yes
Label Inputs : Yes
USB Play : Yes (USB viewer supports FAT16, FAT32, exFAT and NTFS file systems.)
Channel Jump : Yes
On-Screen Clock : Yes
Edit Channel Labels : Yes
Channel Surf : Yes
Multiple Language Display : English/ Spanish/ French
Sleep Timer : Yes
Input Skip : Auto

Customizing Capability

RS-232C Control : Yes for SonySTD

Design Features

Sense of QUARTZ : Yes
Illumination LED : Yes
Stand Design : Circle / Chrome Plating

Display

Screen Size (measured diagonally) : 65" (64.5")
Display Resolution : Full HD
Viewing Angle (Up/Down) : 178 (89/89)
Aspect Ratio : 16:9
Screen Size (cm) : 163.9cm
Dynamic Contrast Ratio : over 1 million
Viewing Angle (Right/Left) : 178 (89/89)

Display Features

Triluminos Display : Yes
Backlight Type : LED
Display Device : LCD
Dimming Type : Local Dimming

Energy Saving & Efficiency

Power Saving Modes : Yes
Energy Star compliant : Yes, V5.3 & V6
Dynamic Backlight Control : Yes
Power Consumption (On Mode) for Energy Star : 90.5073W
Power Consumption (Standby Mode) for Energy Star : 0.08939 W

General Features

Hotel Mode Menu : Yes
Closed Captions (CC) : Closed Caption
Demo Mode : Yes
HDMI InstaPort : Yes
Finish (Surface Color) : Black
Start Up Sony Logo Display : Yes
Audio Return Channel : Yes

Inputs and Outputs

Component Video (Y/Pb/Pr) Input(s) : 1 (Rear/ Hybrid)
Audio Out : 1 (Side/Hybrid w/HP)
Digital Audio Input(s) : 2 (Rear)
USB 2.0 : 3port
Composite Video Input(s) : 2 (1 Rear/ 1 Rear Hybrid w/Component)
AC Power Input : 1 (Rear)
HDMI Connection(s) (Total) : 4
Headphone Output(s) : 1 (Side/ Hybrid w/Audio Out)
Ethernet Connection(s) : 1 (Vertical)
MHL : Yes
RF Connection Input(s) : 1 (Bottom)
RS-232C Input(s) : 1 (Side / Stereo Mini Jack)
Digital Audio Output(s) : 1 (Rear)
HDMI PC Input : Yes

Network Features

Wi-Fi Standard : b/g/n
Wi-Fi Frequency : 2.4GHz
Wi-Fi Direct : Yes
Skype : Ready
TV Tweet : Yes
One-touch mirroring : Yes
TV SideView : Yes
Screen mirroring : Yes
Fast Zapping : Yes
Related Search : Yes
Search : Yes
X2 Widget (System) : Yes
Seamless Streaming : Yes
DLNA Content : MPEG1/ MPEG2PS/ MPEG2TS/ AVCHD/ MP4Part10/ MP4Part2/ AVI(XVID)/ AVI(MotinJpeg)/ MOV/ WMV/ MKV/ WEBM/ 3GPP/ MP3/ WMA/ LPCM/ JPEG/ MPO
BIVL (System) : Yes
Sony Entertainment Network : Yes
Wireless LAN : Integrated
Opera Apps (System) : Yes
Wi-Fi Certified : Yes
Google TV Sync : YES(US/CA/MX)
Internet Browser : Yes(Opera)

Power

Power Consumption (in Standby) : 120V : 0.15W / 240V : 0.3W
Power Requirements (frequency) : 60Hz for UL cUL 50/60Hz for other
Power Requirements (voltage) : AC 120V for UL cUL AC 110-240V for other
Power Consumption (in Operation) max. : 227W

Regulation and Standards Compliance

VESA Hole Spacing Compatible : Yes
VESA Hole Pitch : 400x300 mm / 15 3/4 x 11 7/8 inch

Sensing Features

LightSensor Technology : Yes

Service and Warranty Information

Limited Warranty Term : 90 Days

TV System

Number of Tuners (Terrestrial/Cable) : 1 (Digital/Analog)
Channel Coverage : VHF: 2-13/UHF: 14-69/CATV: 1-135
Channel Coverage (Digital Terrestrial) : VHF: 2-13/UHF: 14-69
TV System (Digital Terrestrial) : ATSC
TV System (Digital Cable) : Clear QAM
Channel Coverage (Digital Cable) : CATV: 1-135
Color System : NTSC

Video

Video Signal : 1080/24p (HDMI only); 1080/60i; 1080/60p (HDMI / Component); 480/60i; 480/60p; 720/60p; 1080/30p (HDMI only); 720/30p (HDMI only); 720/24p (HDMI only)

Video Features

3D Comb Filter : Yes
MPEG Noise Reduction : Yes
Blinking Type : Line Blinking
Intelligent Picture Optimizer : Yes
Wide Mode : Full ; Normal ; Wide Zoom ; Zoom ; Caption ; Normal/Full1/Full2 for PC
4:3 Default : Yes
PhotoTV HD : Yes
Picture Mode : Vivid ; Standard ; Custom ; Photo-Vivid ; Photo-Standard ; Photo-Original ; Photo-Custom ; Cinema1 ; Cinema2 ; Game-Standard ; Game-Original ; Graphics ; Sports ; Animation
24p True Cinema Technology : Yes
Auto Wide : Yes
Video Processing : X-Reality PRO
Deep Color : Yes
Portable Game Mode : Fine Full; Fine Normal; PortableGame1; PortableGame2
Advanced Contrast Enhancer (ACE) : Yes
Motionflow Technology : Motionflow XR 480
Impulse Mode : Yes
Clear Mode : Yes
Video Area Detection : Yes
Face Area Detection : Yes
Scene Optimized Energy Saving : Yes
Super-resolution for Game Mode : Yes
Intelligent MPEG Noise Reduction : Yes

Weights and Measurements

Packaging (Approx.) : Carton weight: 99.2 lbs (45.0 kg) Carton dimensions: 69 3/4 x 37 1/2 x 9 1/8 in (1770 x951 x 229 mm)
Dimensions (Approx.) : TV only: 57 7/8 x 34 x 2 5/8(1 3/16) in (1468x863x64.29 mm) TV with stand: 57 7/8 x 35 1/4 x 16 in (1468x894x405 mm)
Weight (Approx.) : TV only: 75.4 lbs (34.2 kg) TV with stand: 78.5 lbs (35.6 kg)




http://store.sony.com/refurbished-65-class-64.5-diag-w850a-serie...


LED TV Deals

Sony Coupons
g: 2 Posted By: ctgolfer
Views: 145 Replies: 0 Includes power unit, two remotes, control console, wireless keyless entry pad, battery back-up unit, safety sensors, rail, hardware, operators manual
The Craftsman Garage Door Opener DC Belt with 3/4 HPS works even when theres a power outage
Belt drive and DC motor for ultra quiet operation and soft-start/stop performance
DieHard DC Battery back-up is always charged allowing door control, safety sensors and remote controls to operate on battery power for 20 open/close cycles
Includes 2 Security + 3-function remotes are perfect for multi-car families
LCD Smart-Motion Detecting control console opens and closes door from inside garage while sensing your presence and turning on opener lights automatically
Provides time, temperature, light and lock settings and system diagnostic messages
Wireless keyless entry pad allows access to garage without a key or remote using a secure 4-digit programmable PIN
Security + Anti-Burglary Coding rolling code changes every time button on the remote is pushed
PosiLock System securely locks door when it is down preventing intruders from entering garage
Manual Release Capability allows you to manually open or close garage door
Safety reversing sensors create an invisible beam that senses any obstruction in the way of the closing door and automatically reverses door before contact is made
HomeLink with QuickTrain Technology
Light delay feature turns lights off after a maximum of 4-1/2 minutes
Extension kits to complete installation for 8' and 10' doors are available
Professional installation available
Weighs 38.9 lbs.
Warranty: 10 year motor; 3 year parts

www.sears.com/craftsman-dc-belt-drive-garage-door-opener-with/p-...
Home & Garden Deals

Sears Coupons
g: 0 Posted By: CherylMASS
Views: 92 Replies: 0 http://www.walmart.com/ip/Wolfgang-Puck-8-Piece-Pie-and-Pastry-M...
Free ship to store
Refurbished

I bought one, and like it. Packed and looked like a new.
like to cook and have a gadget blog and thought I'd give it a try for $10 When I saw these on HSN I wanted one, but not for the price they were selling for about $40 plus shipping. Comes with a recipe book, but there are plenty of youtube videos on how to use it . Might be a nice gift for someone . I bought 3.

They only have black in stock.Now you can prepare a pair of personal-sized pies in minutes. This pastry maker lets you bake a tasty dinner for two, dinner and dessert for one or a couple of scrumptious pies for anyone. Decorative pie crust cutters take your creations a cut above the ordinary, while a set of accessory tools provides hassle-free serving. At last, the phrase "easy as pie" finally makes sense.
Wolfgang Puck 8-Piece Pie and Pastry Maker Set, Refurbished:

Cooks 2 pies or pastries simultaneously
Makes perfectly sized single-serve pies
Non-stick baking surface
Extra-deep reservoir is perfect for muffins and cupcakes
Molded crimper seals the pie crust during baking
Cool-touch handle with locking latch
Ready light indicator
Customized reversible pastry cutter
Set of 4 decorative pie crust cutters
Non-skid feet
Includes care manual with recipes


Cheryl
Kitchen Toys Make Cooking Fun
Home & Garden Deals

Walmart Coupons
Free Kindle Book- Keep Your Houseplants Alive: A No Nonsense Guide
Added on : Sunday July 27th 2014 01:00:05 AM
g: 0 Posted By: remick
Views: 20 Replies: 0 http://www.amazon.com/gp/product/B00LH6D8RS

The title says it all. Keep Your Houseplants Alive is based on Nell Fosters years of experience in the interiorscaping trade. The indoor plants included in this book are the ones that held up the best & are simple to maintain. They're sure to be a welcome addition to your home for years to come.

This plant care guide is written as though its your first day as a plant maintenance technician & youre being handed a manual. Its set up in outline form & presented in plain, simple terms which you can easily digest. And, youll see plenty of photos for identification making it easy to pick out your favorite new plant. Even if youre a serial plant killer, this book aims to turn your brown thumb green!
5/5 vs 15/15 vs 30
Added on : Friday July 25th 2014 10:00:12 AM
g: 0 Posted By: pucelle
Views: 258 Replies: 4 So I'm a first time home buyer and decided to buy new construction townhouse in a planned new planned community where I had been looking at apartments. As such, I got a pre-approval from a broker I had met and was waiting until I got a closing date/finishing date from the builder before I went any further. I'm currently going through underwriting with said broker (which I found out is a Wells Fargo affiliate) and just got word the townhouse will be completed next month with a close date of the beginning of September. So I figure now is the time to start looking around at rates and I was originally looking at the 30 year fixed even though I know that I hope to be the house for 3 years and ideally 5-7 before moving to a different state or out of the country. Given that, it doesn't really make sense to me to get a 30 year fixed and when I was looking around I saw the 15/15 from PenFed and the discussion on this site regarding it. 5/5 ARMs seem to also be popular with the increase caps at 2%.

Since for me this is totally not a planned thing and more of a impulse due to timing (last group of townhomes in developement, end unit in the perfect location for me) I haven't been able to do the usual research I normally do for financial things and have decided to outsource some of the legwork. When I looked at the ARMs before, I had only known about the 3/5/7& 1 arms which never really appealed to me but the 5/5 seem like a better deal. The new 15/15 from PenFed also looks interesting but I'm guessing I will need to run numbers to see what makes sense. Which brings me to the next question; Obviously, when comparing mortgages and rates you need to plug in the numbers and look the whole picture but I'm a little confused at what whole picture I should be looking at. What's the breakeven point that people keep talking about? The only definition I am aware of for the breakeven point comes from the investment world and I wouldn't think it would make sense here; or does that only apply to refinancing? What type of things should I be considering when looking at the numbers?

Purchase Price: $282k
Down Payment: 10%
Monthly After Tax Income: $6k
Time in home: 3-7 years
Monthly Expenses: $2,065 (non-discretionary;e.g. car, utilities, student loans, etc)

I know that I could have gotten an existing townhouse in the neighborhood cheaper for the most part but the market is tight where I am so most people are paying above listing price and none of the places I looked at were worth the listing price. My credit is only average so I know that I don't qualify for the best rates. Chase quoted me 4.75% on a 30 year fixed with a mean CS of 670.
Personal Finance Deals
g: 0 Posted By: remick
Views: 0 Replies: 0 Beyond Basics: A Guide to Eliminating Excess, Living on Less, and Loving It
http://www.amazon.com/gp/product/B00K1LG0U2

End your relationship with clutter, debt, and overspending. In Beyond Basics: Eliminating Excess, Living on Less, and Loving It, you'll find more than 200 frugal living tips, along with down-to-earth advice for clearing your home and your life of the clutter and bad habits that are weighing you down.
By living well within your means, you will open the door to greater wealth, better health, and an immense sense of satisfaction with life as a whole.
Many books on frugal living focus solely on helping you save money. This one is different: It is meant to serve as a roadmap you can use to completely redesign your life so you have less of what you don't want and an unlimited supply of whatever it is that is most important to you.
Whether you want to spend less time at work and more time enjoying time with your family or pursuing your life's true passion, this book was written with you in mind. No matter what your version of the simple life looks like, you'll find exactly the practical advice you need for getting rid of things and habits that no longer serve you and for focusing on the things that matter most.
Learn about your relationship with the "stuff" you've accumulated, then begin clearing space so you can live the way you've always wanted to. There is luxury to be found in simplicity, and this book will help you to discover it.



Getting Organized: Improving Focus, Organization and Productivity
http://www.amazon.com/gp/product/B003OIC74W

Getting Organized is a collection of simple ideas that address at least six major issues that could be generating chaos and disorder in your life. The ideas are presented in a simple format, with specific suggestions on how to put each idea to work, so busy people can find the time to read and try them.

Even if you've tried unsuccessfully to get organized before, consider reading Getting Organized. You'll find effective solutions to your organizing challenges and will enjoy the benefits for years to come.
Hisense Sero 7 Pro $39 - Acer ICONIA W3-810 $81
Added on : Thursday July 24th 2014 04:00:03 PM
g: -1 Posted By: annaconda
Views: 70 Replies: 0 Found the following Deals. I thought i would share, in my opinion excellent prices!

Hisense Sero 7 Pro Android Tablet $39 or Acer ICONIA W3-810 Windows 8 Tablet $81
Tablets & iPads Deals
Inherited IRA
Added on : Thursday July 24th 2014 06:00:09 AM
g: 1 Posted By: annemv
Views: 89 Replies: 3 My mother recently passed and I have received an IRA for $25K. I am trying to figure out if I should take the disbursements- in 5 years or lifetime. Unless I am seeing this wrong, it makes no sense to stretch it out for my lifetime as the disbursements would be so low I would never accomplish much. If I took the 5 yrs I could just put it all in a Roth over the 5 years. But then on the other hand, you have 5 years of crossing your fingers that the 5K does not up your tax bracket.
Any thoughts?
Personal Finance Deals
g: 2 Posted By: lovelybones
Views: 745 Replies: 9 http://www.amazon.com/gp/product/B00IQG6KWW/ref=gno_cart_title_0
Sold by PetMagasin Direct and Fulfilled by Amazon.

98 customer reviews 4.7 stars

Promo Code: 4M7OW2G3
[ Use FREE No-Rush Shipping (5-7 business days) Get a $1 Amazon Instant Video Credit]

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

Pets Deals

Amazon Coupons
50% OFF Surpahs Sense-ON Multifunction Bathroom Body Fat Scale (White)
Added on : Wednesday July 23rd 2014 02:00:02 PM
g: 0 Posted By: hewella1
Views: 148 Replies: 0 50% OFF+ Free Shipping with Prime Member on AmazonSurpahs Sense-ON Multifunction Bathroom Body Fat Scale (White)Regular Price: $38.98, Price After Coupon: $19.49Enter Coupon Code: THXFAT50 during checkout.Ends 7/27
Pet Nail Trimmer with Safety Stop and Nail File $7.82 FS/Prime @Amazon
Added on : Wednesday July 23rd 2014 03:00:04 AM
g: 0 Posted By: lovelybones
Views: 146 Replies: 2 http://www.amazon.com/gp/product/B00IQG6KWW/ref=gno_cart_title_0
Sold by PetMagasin Direct and Fulfilled by Amazon.

98 customer reviews 4.7 stars

Promo Code: 4M7OW2G3
[ Use FREE No-Rush Shipping (5-7 business days) Get a $1 Amazon Instant Video Credit]

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

Pets Deals

Amazon Coupons
g: 0 Posted By: Revenant
Views: 54 Replies: 0 Roland 1X12 100W Guitar Combo Amplifier (GA-112)- $329.00 with free shipping at Musician's Friend/Stupid Deal of the Day

Stupid Deal of the Day LINK
Product LINK

Previous Hot Deal

Type: Solid State/Modeling
Number of Channels: 1
Total Power: 200W
Speaker Size: 2 x 12"
Reverb: Yes
EQ: 3-band
Inputs: 2 x TS
Outputs: 2 x 1/4" (line out, link out)
Effects Loop: Yes (x 2)
Weight: 70.56 lbs.


Reviewand some video of the amp in action at Sonicsense.com
Reviewfrom kitarablogi.com
Daily Deals

Musician's Friend Coupons
g: 0 Posted By: ctgolfer
Views: 67 Replies: 0 Spanish Language Keyboard
Includes , , / keys
Extreme anti-ghosting allows as many simultaneous key presses as there are keys on the keyboard.
No left Windows key to make sure you arent switched to your desktop in the middle of gameplay
Left Windows key replaced with multi-functional SteelSeries Key
Media controls for quick access to volume, mute, and other audio controls
Rapid response time no-click mechanical switches ensure low latency and fast response time
Gold-played mechanical switches sense keystrokes at 50% shorter distances then normal keyboards
Heavyweight durable design
USB connection with included PS/2 adapter

http://1sale.com/electronics/computers-tablets/ss-64229b/
Keyboard & Mouse Deals

1Sale.com Coupons
H2O Plus Spa Sea Salt Must-Haves Set $21.20 AC Shipped @ Ulta
Added on : Tuesday July 22nd 2014 05:00:02 PM
g: 0 Posted By: DizzyT71
Views: 228 Replies: 0 Ulta has theH2O Plus Spa Sea Salt Must-Haves Seton sale for $18.75 - $3.50 coupon code "201683" = $15.25 + $5.95 shipping = $21.20 shipped.

This is available at Amazonfor $21.50.

Details:

Sea Salt Body Wash is enriched with European sea salts to lather away impurities and exhilarate the senses.
A dual-action body wash and exfoliator, Sea Foaming Body Polish smoothes the skin with fine-grained apricot seed.
Sea Salt Hydrating Body Butter intensely moisturizes and softens dry skin with a rich blend of shea butter and coconut oil.
A fast-absorbing dry oil moisture spray, Sea Salt Hydrating Body Gloss is formulated with jojoba oil for instantly luminous skin.
Award-winning hand cream intensely moisturizes hands and cuticles with shea butter, silk proteins and vitamin E.
Sea Salt formulas feature an invigorating oceanside scent, infused with notes of green tea.
Exclusive H2O Plus beauty bag makes this set ready-to-give.


Set includes:

Sea Salt Body Wash 2 oz
Hydrating Body Butter 2 oz
Hydrating Body Gloss 1.9 oz
Sea Salt Foaming Body Polish 2 oz
Hand and Nail Cream 2 oz

4.4/5 Stars based on 9 customer reviews on product page.
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ULTA Coupons
g: 0 Posted By: remick
Views: 138 Replies: 0 PLAY The Discipline Solution: A New System Motivates Children to Do Chores while Teaching Life Skills & Self Discipline WITHOUT Cash or Spanking
http://www.amazon.com/PLAY-Discipline-Solution-Motivates-Childre...

5.0 out of 5 stars (9 customer reviews)

This ready-to-use kit is a job, financial & legal system that teaches children life-skills & self-discipline while giving parents an easy way to discipline children.

For Parents:
Strengthens respect without resentment
Transforms conflict into cooperation
Provides structure with rules and boundaries
Fosters encouragement instead of demands
Implements discipline without spanking or yelling
An on-the-spot tool to organize & manage chaos

For Children:
A fun & easy way to learn
Teaches money management, math & life-skills
Raises accountability & self-discipline
Nurtures a sense of pride with independence
Deflects disagreements & false sense of entitlement
Provides a way to earn all privileges
Inspires thinking before acting
Moderates unhealthy things such as the use of video games, computers, sweets, & more.


According to the Clark University Poll of Parents of Emerging Adults --

"74% of parents say they provide financial support to their 18-29 year old children."

This may be due to the "Entitlement Epidemic" that we've recently been hearing about.


This kit was created to help decrease the issue of entitlement. It will help kids learn money management, life-skills, self-discipline and math at the same time. It helps children gain responsibility for their actions without the parent feeling the need to spank or stress so much.

The system within this book is based upon the job, monetary and legal system that adults operate within today; and it's been broken down to a child's level. It gives hands on experience to children while teaching them about self-sufficiency, life-skills, money management, earning and moderation. by bringing real life responsibility to a child's level of understanding.

This toolkit provides motivation for kids to help out with household chores and to take on responsibilities independently -- without paying a cash allowance.

Once you begin using this system, you can say 2 words that in most situations will get your kids to listen to you almost instantly.

The toolkit includes charts for chores as well as a pay, price, and fine lists, facts, rules, currency, and discipline tips for parents. Everything has a set pay, price and fine. Everyone with kids or planning on having kids can benefit from this system.

The charts make it simple to start using immediately and kids love the idea of it too.

Research and studies have been done to make this system cater to a child and parent's needs. It's been tested, tweaked and rewritten many times over the last few years to narrow things almost down to a science.

Having the knowledge of life-skills and money management are just as important as the things children learn in school because the job market and financial world is ever changing and becoming more and more competitive every day. It's essential for children to start learning life skills as soon as possible, so they can have a jump start on how things work in the real world. If they don't learn these essential life-skills now, their life and yours may be harder now, and later down the road. This is why I felt the need to share this system with the world.

Let's arm our children with tools for success; while you gain some relief. This book and kit is a positive and educational solution. PLAY "The Discipline Solution" Really does work.
Totally Free Deals
g: 0 Posted By: shahnm
Views: 131 Replies: 0 Fire Sense Hammer Tone Bronze Commercial Patio Heater

46,000 btu's
Piezo ignition
Durable stainless steel burners and double mantle heating grid
Safety auto shut off tilt valve
Wheel assembly included

Lowest price ever, based upon available price data.

$110.50Prime/FSSS
4/5 stars283 customer reviews

Click Me


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Rocketfish - DualShock 4 Controller Kit - Blue/Black $7.99 @ Best Buy
Added on : Thursday July 17th 2014 07:00:03 PM
g: 0 Posted By: ctgolfer
Views: 99 Replies: 0 The DualShock 4 Controller Kit includes two DualShock 4 controller grips and a six-foot Charge-and-Play cable (controller not included)
Feel the intensity of every battle without losing your grip, precision or sense of comfort, thanks to the secure silicone grips in black and blue
Never interrupt a game to charge your controller thanks to the 6' USB Charge-and-Play cord that allows you to power up as you keep the game moving
Officially licensed for PlayStation 4

www.bestbuy.com/site/rocketfish-dualshock-4-controller-kit-blue-...
PS4 Consoles Deals

Best Buy Coupons
g: 0 Posted By: ILoveToRead
Views: 101 Replies: 1 If you like Epic Fantasy Genre here are some deeply discounted and even free books (and audiobooks) with links to many platforms. I personally prefer Google Play, but many like Amazon more so I include that plus a few more platforms for those like myself. All but the last one are things I read and recommend. I will add more in a bit either here, wiki or comments.
-----------------------------------------------------------------------------------------

$2.99. Awesome deal given how HUGE the book is (it's 1005 pages, the size of most Trilogies!) , not to mention how good!
The Way of Kings
Brandon Sanderson
4.5 out of 5 on google play

Widely acclaimed for his work completing Robert Jordans Wheel of Time saga, Brandon Sanderson now begins a grand cycle of his own, one every bit as ambitious and immersive.
Roshar is a world of stone and storms. Uncanny tempests of incredible power sweep across the rocky terrain so frequently that they have shaped ecology and civilization alike. Animals hide in shells, trees pull in branches, and grass retracts into the soilless ground. Cities are built only where the topography offers shelter.
It has been centuries since the fall of the ten consecrated orders known as the Knights Radiant, but their Shardblades and Shardplate remain: mystical swords and suits of armor that transform ordinary men into near-invincible warriors. Men trade kingdoms for Shardblades. Wars were fought for them, and won by them.
One such war rages on a ruined landscape called the Shattered Plains. There, Kaladin, who traded his medical apprenticeship for a spear to protect his little brother, has been reduced to slavery. In a war
that makes no sense, where ten armies fight separately against a single foe, he struggles to save his men and to fathom the leaders who consider them expendable.
Brightlord Dalinar Kholin commands one of those other armies. Like his brother, the late king, he is fascinated by an ancient text called The Way of Kings. Troubled by over-powering visions of ancient times and the Knights Radiant, he has begun to doubt his own sanity.

Google Play
https://play.google.com/store/books/details/Brandon_Sanderson_The_Way_of_Kings?id=OHclhBVv-X4C
Amazon Kindle
http://www.amazon.com/Way-Kings-Stormlight-Archive-Book-ebook/dp...
iTunes Bookstore
https://itunes.apple.com/us/book/the-way-of-kings/id376229549?mt=11

Kobo and BN Nook are $8.99 sadly, but proves the point of how hot this is I think.

Also, for those who like audiobooks once you get the Amazon Kindle 2.99 book, they will allow you to buy the audiobook version for $12.99, which is usually a whooping $63.93.
http://www.amazon.com/The-Way-Kin...150&sr=1-1

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

FREE
The Sorcery Code (The Sorcery Code: Volume 1)
4.5 out of 5 on google play
***FREE for a limited time to celebrate the release of The Spell Realm (The Sorcery Code: Volume 2)***
From the internationally bestselling authors who brought you the Krinar Chronicles comes a captivating tale of intrigue, love, and danger in a world where sorcery is entwined with science . . .
Once a respected member of the Sorcerer Council and now an outcast, Blaise has spent the last year of his life working on a special magical object. The
goal is to allow anyone to do magic, not just the sorcerer elite. The outcome of his quest is unlike anything he couldve ever imagined because, instead of an object, he creates Her.
She is Gala, and she is anything but inanimate. Born in the Spell Realm, she is beautiful and highly intelligent and nobody knows what shes capable of. She will do anything to experience the world . . . even leave the man she is beginning to fall for.
Augusta, a powerful sorceress and Blaises former
fiance, sees Blaises deed as the ultimate hubris and Gala as an abomination that must be destroyed. In her quest to save the human race, Augusta will forge new alliances, becoming tangled in a web of intrigue that stretches further than any of them suspect. She may even have to turn to her new lover Barson, a ruthless warrior who might have an agenda of his own . . .

Google Play
https://play.google.com/store/books/details/Dima_Zales_The_Sorcery_Code?id=tOYiAgAAQBAJ&hl=en
Amazon Kindle
http://www.amazon.com/Sorcery-Code-Fantasy-Romance-Intrigue-eboo...
Kobo
http://store.kobobooks.com/en-US/ebook/the-sorcery-code
iTunes Bookstore
https://itunes.apple.com/us/book/the-sorcery-code/id748224494?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-sorcery-code-dima-zales/1117...

If you like audiobooks, in this case, after you get the free book on Amazon, you can get the audio for $1.99 (it's usually $19.99)

http://www.amazon.com/The-Sorcery-Code-Fantasy-Intrigue/dp/B00HK...

-----------------------------------------------------------------------------------------
FREE
The Prince of Ravens (The Exile Trilogy) by
Hal Emerson
The Prince of Ravens has vanished.
4.7 on Amazon
Word spreads quickly from the Fortress of the Empress, through the dark streets of Lucien, and to the far corners of the Empire of Ages. The Children are summoned to the Fortress, and the people talk in muffled whispers, if they dare to talk at all, of secret plots and ancient prophecies. Some say the Prince was murdered, others that he was kidnapped; but underneath it all runs a darker word, one full of terrifying possibility:

Exile.

Rumor begets rumor, and soon the whisper of truth is lost in the swirling winds of growing fear. For the Prince of Ravens is the prophesied Lord of Death, and on his shoulders rests the fate of the Empire.


Amazon Kindle
http://www.amazon.com/The-Prince-Ravens-Exile-Trilogy-ebook/dp/B...
Kobo
http://store.kobobooks.com/en-US/ebook/the-prince-of-ravens
iTunes Bookstore
https://itunes.apple.com/us/book/the-prince-of-ravens/id578065257?mt=11
BN Nook
http://www.barnesandnoble.com/w/the-prince-of-ravens-hal-emerson...
-----------------------------------------------------------------------------------------
The Darkness Abides
5 stars on barns and noble (only 1 review though)
Two men lie adrift at sea, castaway in the search for one's future, and the other in search of his past. When they drift to a land of perpetual darkness designed as an elaborate labyrinth, they begin to realize that they've stumbled upon the path toward what they each seek, but the trail may be more hazardous than they anticipated.
Released initially as a series of short installments, the entirety of this story comprises the length of a full-size novel. Readers who enjoy serialized fiction and dark fantasy with a bit of suspense will enjoy this series.

Google
https://play.google.com/store/books/details/L_Harcroft_The_Darkness_Abides_Vol_1?id=pyTuAgAAQBAJ
Amazon
www.amazon.com/Darkness-Abides-Vol-1-L-Harcroft-ebook/dp/B00IO1P...
Kobo
http://store.kobobooks.com/en-US/ebook/the-darkness-abides-vol-1...
BN Nook
http://www.barnesandnoble.com/w/the-darkness-abides-l-harcroft/1...


Please post your own finds, especially stuff you read and liked!

Books Deals

iTunes Coupons
g: 0 Posted By: Savvymommy03
Views: 162 Replies: 0 Hisense Sero 7 Pro Android 4.2 NVIDIA Tegra 3 7" Tablet (M470BSA) Refurbished-$49.99after the$40.00 rebatewith free shipping atNewegg.com3/5 eggs based on 86customer reviews

7" Touchscreen
1280 x 800 Resolution
1.3GHz
1GB DDR2 Memory
8GB Internal Storage
MicroSD Slot
5MP Camera
NFC
Android 4.2 OS (Jelly Bean)
30-Day Warranty

Rebate is valid 07/17/17 to 08/31/14

The next lowest price for this refurbished item from a rated merchant on Google Shoppingis $99.49, and $10.00 less than last week's deal.

Android Tablets Deals

Newegg Coupons
Free No Nonsense Real Estate T-Shirt
Added on : Wednesday July 16th 2014 04:00:05 AM
g: 2 Posted By: remick
Views: 290 Replies: 3 http://nononsensere.com/order-free-shirt/
Totally Free Deals
refurbished - Hisense Sero 7 LT 7" WiFi Tablet $29.99 AR @Newggg.
Added on : Wednesday July 16th 2014 03:00:02 AM
g: 0 Posted By: lovelybones
Views: 87 Replies: 0 http://www.newegg.com/Product/Product.aspx?Item=N82E16834738001&...


1.60GHz
Android 4.1 (Jelly Bean)
Touchscreen
Android Tablets Deals

Newegg Coupons
g: 0 Posted By: serenity22
Views: 117 Replies: 0 Link

1080p Full HD resolution delivers ultimate detail and lifelike colors for a crystal-clear picture
Built-in 802.11n Wireless Networking lets you easily connect to the Internet and stream movies and TV shows
Built-in Netflix, Vudu Movies and YouTube
Three HDMI Allows Multiple HD Connections
Exceptionally vibrant and true-to-life images delivered just as the director imagined
Flexibility to enjoy not only photos or music, but also HD movie files directly in your TV via USB

Moofi Deals
g: 0 Posted By: francded
Views: 143 Replies: 0 http://www.amazon.com/dp/B00ECEQEFU/was: $89.99
Sale: $29.99features:

Acupressure Mat and Pillow increases energy levels and improves sleep
Acupressure Mat and Pillow relieves stress, aches, pains and muscle tension, Natural Back & Neck Pain Relief, Increased Blood Circulation
Swedish acupressure mat, Can help with back pain, tension, stiffness, stress, insomnia, fatigue and many other conditions.
It helps to promote the release of the body's own pain-relieving and happiness hormones - endorphins and oxytocin- which help to release tension, create relaxation and promote a sense well-being.
The Mat and Pillow gently touches your body's acupressure points and endorphins are released whereupon you experience a gently warming, soothing sensation in your body and mind.


Health & Beauty Deals

Amazon Coupons
g: 0 Posted By: jskins
Views: 27 Replies: 0 Hisense Sero 7 Pro Android 4.2 NVIDIA Tegra 3 7" Tablet (M470BSA) Refurbished - $59.99 after the $30.00 rebate with free shipping at Newegg. 3/5 eggs based on 85 customer reviews.

7" Touchscreen
1280 x 800 Resolution
1.3GHz
1GB DDR2 Memory
8GB Internal Storage
MicroSD Slot
5MP Camera
NFC
Android 4.2 OS (Jelly Bean)
30-Day Warranty


The next lowest price for this refurbished item from a rated merchant on Google Shopping is $99.49
Android Tablets Deals

Newegg Coupons
Free Kindle Book- How's That! A Layman's Guide to Cricket
Added on : Saturday July 12th 2014 04:00:05 AM
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/gp/product/B00ARYAZPE/

It is a book which explains the game of cricket in a way that isn't over-complicated, takes nothing for granted, doesn't over-simplify unduly and - which is very important - doesn't treat its subject in such a facetious manner as to defeat the whole object.
It doesn't pretend cricket isn't a complex game, but it does make sure that you pick up all the pieces of the jig-saw puzzle in the proper order so that everything makes sense right from the start, with every new piece added clearly helping to build a bigger picture and helping you to enjoy the game even more.
It is enhanced by lively and charming cartoons drawn by Tim Parker.
Fisher-Price Brilliant Basics Rock-a-Stack $5 at Amazon
Added on : Wednesday July 09th 2014 04:00:04 PM
g: 0 Posted By: myonlyday
Views: 248 Replies: 0 Amazon.com has theFisher-Price Brilliant Basics Rock-a-Stack for $4.99 now. This isAdd-on Item.

http://www.amazon.com/Fisher-Price-BLR79-Brilliant-Basics-Rock-a...

Bright colors, shiny reflections and swirling beads stimulate visual development
Placing rings on post strengthens eye-hand coordination
Helps baby learn to differentiate among colors and sizes of rings
Hands-on activities strengthen baby's sense of touch
Ships in Frustration-Free Packaging

Toys Deals

Amazon Coupons
How much do you spend on groceries each month?
Added on : Tuesday July 08th 2014 06:00:06 PM
g: 2 Posted By: cyberfire
Views: 225 Replies: 10 I've been reassessing my budget recently, and noticed that for a family of 3 (2 adults, 1 toddler), we're spending about $1,000 / mo on groceries. I'm curious what other FWF members spend on groceries each month, because I feel like I might be on the high end of the spectrum. We don't but a ton of snacks, but I do enjoy eating quite a bit of meat - I love to BBQ, and that can add up, even when it's on sale. We don't bother with "organic" labeled food, as the regular stuff is cheaper.

Most sites and blogs I've read basically recommend either coupons or essentially having your own mini-farm. Couponing isn't as great as it used to be - we did used to coupon until the time vs money just didn't make sense, as over the past couple years the savings we've seen have just gotten weaker with couponing. And having crops / mini-farm setup in an urban environment is often not practical or possible.

So, how much do you spend?
Family size?
Discussion Deals
g: 0 Posted By: tk149
Views: 167 Replies: 1 Tried searching, didn't find this posted yet.

Engadget
If you've pondered buying an Xbox One but have felt a sense of loyalty to your Xbox 360, Microsoft is very keen to help you make the switch. As spotted by user BeforeU on NeoGAF, the company is running a new promotion that gifts its "very best customers" with a $75 promotional code if they buy an Xbox One or any Xbox One bundle. It appears that not everyone is eligible for the offer, with Microsoft only targeting a subset of Xbox 360 owners across the US ahead of its July 31st deadline.

Expires July 31st.

I haven't turned on my 360 in weeks. Guess I'll check it tonight.
Xbox One Consoles Deals
g: 0 Posted By: ctgolfer
Views: 121 Replies: 0 Spanish Language Keyboard
Includes , , / keys
Extreme anti-ghosting allows as many simultaneous key presses as there are keys on the keyboard.
No left Windows key to make sure you arent switched to your desktop in the middle of gameplay
Left Windows key replaced with multi-functional SteelSeries Key
Media controls for quick access to volume, mute, and other audio controls
Rapid response time no-click mechanical switches ensure low latency and fast response time
Gold-played mechanical switches sense keystrokes at 50% shorter distances then normal keyboards
Heavyweight durable design
USB connection with included PS/2 adapter

http://1sale.com/electronics/computers-tablets/ss-64229/
Keyboard & Mouse Deals

1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 96 Replies: 0 shipping adds $5

PuraSleep's mattress toppers provide conforming support and maintain a comfortable sleeping temperature with hypoallergenic ThermaPhase gel memory foam. Cooling micro-gel beads suffuse the high-density memory foam, gently shifting beneath you to relieve pressure on your joints and encourage circulation. The beads' cooling effects also support the toppers' CoolFlow technology. This open-cell technology improves airflow by up to 95% compared to that of conventional memory foam, dissipating heat and moisture more efficiently. The ThermaPhase Gel memory foam further enhances sleepers' comfort with infused additives that hinder bacteria, mold, and mildew.

Revolutionary ThermaPhase Gel Memory Foam -"senses" where your body is hot, where it is cool and adjusts to provide the perfect sleep platform
Maintains your body's optimal sleep temperature throughout the night
New Advanced Technology Comfort and Support - ThermaPhase Gel Memory Foam microgel beads are infused into state-of-the-art CoolFlowmemory foam to perfectly contour to your body, keep you cool and enhance sleep
Superior Quality & Support - High density gel memory foam provides ideal support and proper body alignment to alleviate tossing and turning
Conforms to your body to reduce joint stress, relieve painful pressure points and insure proper blood circulation
Breathable - Advanced technology open-cell super air-flow CoolFlow foam rapidly dissipates heat and moisture for maximum comfort and improves air circulation by 95% over standard memory foams
Available in 2 and 3 thickness for an extra comfort layer or the ultimate in a luxury sleep experience
Hypoallergenic, Anti-microbial and odor minimizing Memory foam is naturally Antimicrobial, dust mite, mold and mildew resistant
Proprietary state-of-the-art natural odor blocking materials are blended into the foam itself which help to eliminate not only the chemical odors associated with traditional memory foam products but also household and body odors
Uses - rejuvenate an old mattress or add a plush comfort layer to a too firm mattress for a bed customized to your sleep preferences
Designed and manufactured in the USA
CertiPUR-US certified

www.woot.com/offers/xcel-thermagel-2-or-3-memory-foam-topper-6-s...
Daily Deals

woot! Coupons
Hisense 32K20DW 32" Class 720p Smart LED HDTV - $199.99
Added on : Saturday July 05th 2014 09:00:17 AM
Hisense 55K610GW 55" Class Smart LED HDTV - $549.97
Added on : Friday July 04th 2014 09:00:14 AM
Mishap during Health Screening-Who is responsible?
Added on : Monday June 30th 2014 12:00:07 AM
g: 0 Posted By: OlDog69
Views: 69 Replies: 1 Working stiff on a weekend, went for a Free blood test clinic held in a shopping establishment. Passed out just after the blood test procedure, whilst sitting in the patients chair in front of the nurse. Later when I came back to my senses, found myself lying down on the concrete floor with my feet elevated on a chair. I was helped up on my feet and made to sit on a chair and then experienced unbearable, throbbing pain, which started in my back and ribs, all around my body under the armpits. After catching my breath for almost half hour, later, with great difficulty, I managed to limp out of the establishment and struggled home.
Presently I'm still at home after over two weeks on sick leave; have used up all my sick days, incurred co-pay expenses for Doc visits, X-rays, prescription drugs, back brace belt, over the counter pain relief gels/balms, etc. Am still in considerable pain, needing constant help to carry on simple daily living activities, having very limited mobility. Am now considering applying for Short Term Disability.
If you were in my shoes facing this horrible, life changing experience, caused by somebody man-handling my limp body from the chair to the floor, causing this severe muscle/nerve bruising to my Long Muscles; luckily no broken ribs! What would you do? What are my best options and who is responsible for all my pain and suffering? Any/all responses and advice will be greatly appreciated.
P.S. First time posting, so don't know much, but hoping I've done this right.
Question Deals
g: 0 Posted By: sage224
Views: 121 Replies: 1 Thanks Simba007, there are a lot of hotels excluded from the coupon however I was able to use it on a Best Western.

Get $40 off your mobile hotel booking of $100 or more. Book by June 29, 2014.
Coupon Code: MOBILE40

Terms and Conditions
Non‑eligible Hotels
Accor Hotels, Amari Hotels, Anantara Hotels, Aston, Banyan Tree, Barcelo, Carlson Hotels and Resorts, Choice, Drury Inn & Suites, Fairmont Hotels and Resorts, Fortune Hotels, Four Seasons Hotels and Resorts, Furama, Hilton Hotels, Holiday Express Suite, Holiday Inn, IHG, Intercontinental Resorts, La Quinta Inns, Langham, Loews, Louvre, Mandarin Oriental Hotels, Marriott Hotels, Melia Resorts, Movenpick, NH Hotels, Oberoi, Peninsula Hotels, RIU Hotels and Resorts, Rosewood Hotels & Resorts, Scandic Hotels, Shangri-La Hotels, Six Senses, Starwood, Taj Hotels, Vincci, Woodside Hotels
Hotel Deals

Travelocity Coupons
g: 0 Posted By: SieSilverStars
Views: 81 Replies: 0 The Hisense Sero 7 Pro 7" 8GB Tablet w/ Quad-Core Processor (Refurbished) is on sale at Newegg for $59.99 with free shipping.

Link

Use this $30.00 mail-in rebate for the discounted price.

7" (1280 x 800) Touchscreen Display
1.3GHz NVIDIA Tegra 3 Quad-Core Processor
1GB DDR2 Memory
8GB Flash Memory
5MP Camera
Android 4.2 Operating System


Review: CNet

Tablets & iPads Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 176 Replies: 0 Google TV Smart TV platform preinstalled
Streaming media from services like Netflix, Pandora, YouTube, and many more
Dual-sided remote with full QWERTY keyboard & touchscreen
Cant find your remote? Use the free Google TV app for Android or iOS devices to control the Pulse using your smartphone or tablet.
HD Supported Definitions: 480i, 480P, 720P, 1080i, 1080P
Ports: HDMI, RJ-45 Ethernet, USB (for H.264/MPEG-4/AVC files)
Dimensions:4.4 x 4.4 x 1.3
Weight: 11.2 ounces
Brand: Hisense
Model: GX1200V
Condition: New
Warranty: 1 Year
Packaging: Retail

http://1sale.com/electronics/tv-home-theater/gx1200v/
Computers Deals

1Sale.com Coupons
g: 0 Posted By: rendition
Views: 137 Replies: 0 These robot toys can sense objects and change direction to avoid obstacles. They are $3.38 - $4.80 each including free shipping. Use coupon code "AURA5OFF" for 5% OFF non-clearance items.
These appear to be exactly the same as Hex Bugs. The only difference is the packaging which is printed different. I ordered the blue Original Alpha which is the first photo below.

Original Alpha, Larva larva, Ant:
http://www.aurabuy.com/products/Micro-Intelligent-Electronic-.ht...

Nano:
http://www.aurabuy.com/cute-micro-robot-robotic-bug-et-pet-toy-c...

Electronics Deals
g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Fossil Men's Retro Traveler CH2858 White Leather Quartz Watch with Silver Dial $75.99 FS areatrend

http://www.areatrend.com/fossil-ch2858-watch-1681894654.aspx

Show off your laid-back personality with this casual Fossil timepiece. This no-nonsense watch features a 44mm silver stainless steel case and white leather band. This watch also sports a bold silver dial and silver details, allowing the watch to function as both a fashionable accessory and a valuable timekeeping tool.
List of Banks/CUs "Good" To Have For Various Reasons
Added on : Thursday June 26th 2014 05:00:10 AM
g: 0 Posted By: robronson
Views: 183 Replies: 1 In the past, opening a bunch of new bank accounts in a short period time was not a problem. In modern days, it can lead to adverse action as data mining/aggregation is more widespread, government anti-money laundering rules are stricter, and banks view this as risky behavior. Further, the account opening bonuses for many banks are becoming either non-existent, or much smaller. Thus, it may make sense to pre-plan opening a smaller number of bank accounts as small bonuses become available, not for the meager bonus money, but for access to the account. This could be for rate-chasing purposes or for access to best-in-class products one institution may offer over another.

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

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

The purpose of this thread is two fold:

1) To discuss whether this is a worthwhile strategy.

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

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

I'll start:

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

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


Deposits Deals
Hisense Sero 7 LT 7" WiFi Tablet (Refurbished) ($24.99) @ Newegg
Added on : Wednesday June 25th 2014 09:00:16 AM
Hisense Sero 7 LT 7" WiFi Tablet (Refurbished) - $24.99 AR FS @ Newegg
Added on : Wednesday June 25th 2014 07:00:05 AM
g: 1 Posted By: SieSilverStars
Views: 247 Replies: 0 The Hisense Sero 7 LT 7" WiFi Tablet (Refurbished) is on sale at Newegg for $24.99 with free shipping.

Link

Use this $15.00 mail-in rebate for the discounted price.

7" (1024 x 600) Display
Dual-Core 1.6GHz Processor
1GB RAM
4GB Memory
One (1) HDMI
3,400mAh Battery
Android 4.1 Jelly Bean Operating System


Received a 4/5 egg review based on 44 customer reviews on the product page.
Android Tablets Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 17 Replies: 0 13.3" touch screen for hands-on control
Touch navigation makes the most of Windows 8. IPS technology offers wide viewing angles. Typical 1366 x 768 HD resolution. Energy-efficient LED backlight.
4th Gen Intel Core i3-4020Y mobile processor
Smart dual-core, four-way processing performance for HD-quality computing.
4GB system memory for basic multitasking
Adequate high-bandwidth RAM to smoothly run multiple applications and browser tabs all at once.
128GB solid state drive (SSD)
While offering less storage space than a hard drive, a flash-based SSD has no moving parts, resulting in faster start-up times and data access, no noise, and reduced heat production and power draw on the battery.
Convertible design
Seamlessly switch between high-functioning laptop and portable tablet forms. The durable hinge makes it quick and simple to dock and detach the display from the keyboard.
Intel HD Graphics 4200
Fourth-generation on-processor graphics, designed to complement low-voltage processors and render high-quality images and stream videos with minimized power consumption.
Dual speakers built into the display
Beats Audio outputs amazing sound, rich audio and deep bass.
Weighs 4.9 lbs. and measures 0.9" thin overall
Ultraportable design, featuring a smaller screen size and omitting the DVD/CD drive to achieve the compact form factor. Two 3-cell lithium-ion polymer batteries (one each, laptop base and display).
Extended battery life allows you plenty of time away from an outlet
Rated up to 9 hours (total).
Bluetooth interface syncs with compatible devices
Wirelessly transfer photos, music and other media between the laptop or tablet and your Bluetooth-enabled cell phone or MP3 player, or connect Bluetooth wireless accessories.
USB 3.0 port in the base maximizes the latest high-speed devices
The base also includes a USB 2.0 port to connect more accessories and peripherals. The USB 3.0 port is backward-compatible with USB 2.0 devices (at 2.0 speeds).
HDMI output in the base expands your viewing options
Connect the laptop to an HDTV or high-def monitor to set up two screens side by side or just see more of the big picture.
Media reader in the laptop base for simple photo transfer
Supports Secure Digital and MultiMediaCard memory card formats. Additional microSD card slot on the display to keep key files accessible when using the tablet alone.
Wireless network connectivity
High-speed wireless LAN built into the display frame, so it connects to your network or hotspots on the most common Wi-Fi standards in both laptop and tablet modes.
Microsoft Windows 8 operating system
Designed for touch, mouse and keyboard, so you can choose how you get around. Use the touch screen to easily zoom and customize your new Start screen, or restore the familiar Windows desktop experience.
Front-facing HP TrueVision HD webcam with 2 noise-canceling microphones
Makes it easy to video chat with family and friends or teleconference with colleagues over Skype or other popular applications. Automatically adjusts for available light.
Island-style keyboard with chiclet keys
HP Imagepad touchpad with support for multitouch gestures.
HP CoolSense technology keeps you comfortable
Automatically adjusts the laptop's temperature based on use and conditions, so the surface stays cool instead of heating up.
Additional ports
Microphone-in/headphone-out combo jack in the laptop base.

www.bestbuy.com/site/hp-split-2-in-1-13-3-touch-screen-laptop-in...
Daily Deals

Best Buy Coupons
Hisense 50" Class 1080p 120Hz Smart HDTV - $499.97 after coupon
Added on : Tuesday June 24th 2014 09:00:09 AM
Save 100.00 with coupon code VCL132445 at checkout. Normally 599.97 before coupon.Now 499.97 after coupon.Offer ends Jun 30 2014 12:00AM
g: 1 Posted By: remick
Views: 183 Replies: 0 http://www.amazon.com/gp/product/B009SGITDW

TRAVEL MONEY TIPS for anyone who wants their travel dollar to go further. Want to travel the world, but don't think you are rich enough? In this book a life-long traveler will show you how to travel further, for longer, for less. sometimes much less, money than you'd ever imagine.

Learn how to set a realistic budget for your next trip, and learn the single most important factor that determines your trip's price tag (Hint: it's not the quality of your hotels or the length of your trip).

Once on the road, this book describes how to best setup your financial life to manage your money while you travel.It also covers tips and tricks to minimize those pesky transaction fees that your bank like to charge, just because you want to use your own money overseas!

The last third of the book the author shares her favorite tricks and tips developed over 30 years of travel: tips to save money on everything from accommodation to sightseeing.
Totally Free Deals
jcpenney.com Men's Stafford Travel Suit Separates
Added on : Sunday June 22nd 2014 07:00:04 PM
g: 0 Posted By: DaysFan
Views: 195 Replies: 0 http://www.jcp.com Stafford Travel Suit Separatesweb ID: 5530203linked
$100-$200 original$49.99-$100 saleTraveling in style means looking your best. Stafford Travel suit separates shed wrinkles so that your look always stays fresh. And when you buy the jacket and the trousers in the exact size you need, you can bypass the tailor. Which makes great business sense Stafford Travel Pleated Suit Pants$100 original$49.99 sale


Stafford Wrinkle Free Oxford Dress Shirtweb ID: 5316183
$30 original$14.99 salelinked


Clothing Deals

JCPenney Coupons
Kaiser Bill via ObamaCare Bronze Plan...
Added on : Saturday June 21st 2014 04:00:09 PM
g: 0 Posted By: inac
Views: 25 Replies: 1 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
First Kaiser Bill via ObamaCare Bronze Plan - Expensive?
Added on : Saturday June 21st 2014 11:00:09 AM
g: 0 Posted By: inac
Views: 71 Replies: 2 So, I got a Bronze Plan via ObamaCare. Being an independent contractor, I pay everything out of pocket - and, it didn't make sense to pay the penalty for not having health care.

I went in for the suggested initial checkup and screening. Doc told me everything was fine. All test results came clear. AFAIK preventative screening and checkup's are covered in full by the Bronze Plan. Two months later, I receive an extra ~$500 bill (I'd already prepaid $77 to Kaiser + $150 or so to ObamaCare's Kaiser Bronze Plan monthly).

I tried using their bill estimate tool online, and was told this should be free.

Unfortunately, I have to call in during work hours (9am to 5pm). But, yeah, $500 is kind of a shock - I wish that they gave me a ballpark in advance.

Has anyone visited Kaiser for a preventative screening under the Bronze Plan?
How much were you billed afterwards?




Discussion Deals
g: 0 Posted By: ctgolfer
Views: 174 Replies: 0 Driving up a waterfall or across the ceiling can provide an intense adrenaline rush, but that's not all anti-gravity is good for. It also provides a wild new gameplay mechanic: if you collide into other racers in zero-g, you'll earn speed boosts worth bragging about. Luckily, you can upload and share your best moments and watch your friends' using the all-new Mario Kart TV.* Returning features include 12-player online play*, gliders, underwater racing, motorbikes, and custom karts. You can even race as Bowser's seven minions, the Koopalings!

Simple. Intuitive. Easy to use. The Wii Remote Plus is a unique controller for the Wii and Wii U video game systems. Now with the increased sensitivity of Wii Motion Plus built-in. The button pressing of typical controllers is replaced by the natural, fluid motion of your hand. The Wii Remote Plus senses your every action and makes you feel less like a player and more like you're part of the game. With Wii, anyone can play.

www.newegg.com/Product/ComboDealDetails.aspx?ItemList=Combo.1715...
Wii U Deals

Newegg Coupons
g: 0 Posted By: ctgolfer
Views: 98 Replies: 0 GENERAL2G NetworkGSM 850 / 900 / 1800 / 1900
3G NetworkHSDPA 850 / 900 / 1900 / 2100

4G NetworkLTE 700 / 900 / 1800 / 2100 / 2600

SIMNano-SIM
Announced2014, March


BODYDimensions146.4 x 70.6 x 9.4 mm (5.76 x 2.78 x 0.37 in)
Weight160 g (5.64 oz)
DISPLAYTypeSuper LCD3 capacitive touchscreen, 16M colors
Size1080 x 1920 pixels, 5.0 inches (~441 ppi pixel density)
MultitouchYes
ProtectionCorning Gorilla Glass 3
- HTC Sense UI v6
SOUNDAlert typesVibration, MP3, WAV ringtones
LoudspeakerYes, with stereo speakers, built-in amplifiers
3.5mm jackYes
MEMORYCard slotmicroSD, up to 128 GB
Internal16 GB, 2 GB RAM
DATAGPRSYes
EDGEYes
SpeedHSDPA, 42 Mbps (21 Mbps - AT&T), HSUPA, 5.76 Mbps; LTE, Cat4, 50 Mbps UL, 150 Mbps DL
WLANWi-Fi 802.11 a/b/g/n/ac, Wi-Fi Direct, DLNA, Wi-Fi hotspot
BluetoothYes, v4.0 with A2DP
NFCYes (market/operator dependent)
Infrared portYes
USBYes, microUSB v2.0 (MHL), USB On-the-go, USB Host
CAMERAPrimaryDual 4 MP, 2688х1520 pixels, autofocus, dual-LED (dual tone) flash
Features1/3'' sensor size, 2m pixel size, automatic simultaneous video and image recording, geo-tagging, face and smile detection, HDR, panorama
VideoYes, 1080p@30fps, 720p@60fps, HDR, stereo sound rec., video stabilization
SecondaryYes, 5 MP, 1080p@30fps, HDR
FEATURESOSAndroid OS, v4.4.2 (KitKat)
ChipsetQualcomm MSM8974AB Snapdragon 801
CPUQuad-core 2.5 GHz, Krait 400
GPUAdreno 330
SensorsAccelerometer, gyro, proximity, compass
MessagingSMS (threaded view), MMS, Email, Push Email
BrowserHTML5
RadioStereo FM radio with RDS
GPSYes, with A-GPS support and GLONASS
JavaYes, via Java MIDP emulator
ColorsGunmetal Gray, Glacial Silver, Amber Gold
- SNS integration
- Google Drive (50 GB cloud storage)
- Active noise cancellation with dedicated mic
- TV-out (via MHL A/V link)
- DivX/XviD/MP4/H.263/H.264/WMV player
- MP3/eAAC+/WMA/WAV/FLAC player
- Google Search, Maps, Gmail,
YouTube, Calendar, Google Talk
- Organizer
- Document viewer/editor
- Photo viewer/editor
- Voice memo/dial/commands
- Predictive text input
BATTERY Non-removable Li-Po 2600 mAh battery

Box Contents
Phone
Micro USB Cable
Wall Charger
Documentation
Headphones
Battery

Free Gifts include:
Free upgrade to FedEx Ground
Lower rates for FedEx Express in the US
Free upgrade to FedEx Express Priority / DHL Express for International buyers (Fastest Shipping Service)
North American AC adapter (if needed)


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g: 0 Posted By: tedhawkins
Views: 187 Replies: 0 Adidas Men's Stockholm ADH2836 Red Silicone Quartz Watch with Red Dial $42.99 FS areatrend

http://www.areatrend.com/adidas-adh2836-watch-1681898973.aspx

Show off your laid-back personality with this casual Adidas timepiece. This no-nonsense watch features a 45mm black stainless steel case and red silicone band. This watch also sports a bold red dial and white details, allowing the watch to function as both a fashionable accessory and a valuable timekeeping tool. Additional features include a chronograph, luminous hands and indexes, water resistant to 100 meters, date display, and measures seconds.
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banking opperations
Added on : Thursday June 19th 2014 02:00:07 AM
g: 0 Posted By: tink3975
Views: 64 Replies: 2 I recently read quite a few responses to(what banks fingerprint you and which ones don't) . I heard some of the funniest responses, not just one. First off banks are only allowed to ask for you state i'd. If they ask for your social or your fingerprint and you decide not to give out that information then that is your right as an American citizen to keep your debtor number, as it should be called. You use your as card to keep up with your debt. Today if you owe money to the bank you are put on check systems. Which turns over every 5 years. Not you credit. The only way they can garnish your wages, throw you in jail or apply it to your credit is through the courts. They have to sue you and prove without a doubt you owe this money. They never think you will show up so they never bring the correct documents. Ask for one page if they can't produce it case dismissed. Now the reason I HAD to say something is because Americans recieve the wrong information through different sources such as these message boards. Spend more time at a library studying the constitution and all amendment. If a bank turns you down for not giving them your social you can sue them. Nothing besides credit cards go through you social. Banks use your I'd to list you on check systems. NOW the funny thing I heard many people say which horrifies me as an American citizen that there are so many uneducated Americans. More than once and I quote the only people whose fingerprints show anything is if they have been scanned before for either for getting in trouble or having a business license or some sort of document you put your print on. Ok first and funniest everyone has been fingerprinted....when you are born. And since so many are so undereducated let me guide you to investigate more about what your rights are. You can even deny fingerprinting in jail. The process may take a but longer but that up to you. Most just listen and do what they are told. The only thing you are even required to give the police is what they ask for first off. Licence and registration. Now back to the bank not letting you open some kind of account without giving your social. You syes because they defiled your right to withhold your private information. That is against the constitution. Bank don't have time for court usually well maybe...bend over backward- REALLY? At least they're honest. All a bank does is take your money, keep up with your amount that you are letting them hold on to for a price usually. And most of our money is tied up in the stock market. You are investing in that bank and if it fails to properly use their customers money they go bankrupt and get out quick. Now for a normal person you say my money is right there they are not using it for profit..... A bank is a business just like any other. They must pay their employees which some make triple digits btw and we pay them to not mess up. Now there are I m not going to say good but decent banks with great interest rates as long as they don't go under or get our ol famous bailouts. Check how many banks got OUR money to decide how to fix the problems. A lot of banks still couldn't make it or where not close enough to the government to get the bailouta or become an elite group of bankers who work the treasury dept. If I m not mistaken please forgive me for my ignorance but I believe there are 5 treasury dept employees that not only got the biggest bailout, enough for personal 20000 $ bonuses inside the company but then they manage all our debt cause we don't have money, but they sure do. Extensive paychecks, personal vehicles, gascards, you name it. State government are finally getting recognized for all OUR money. I know I m going on and on. Last info before I go the government has you on record wether you have done anything wrong or good. They hear your calls, they check your email..... In the name of safety and security.lol yea if they need to find you they will. It may take 20 years or even after you are pronounced dead.....Jesus were dumb. Or just be Snowden and go tell the people we owe millions of trillions of $ to that we are illegally spying on them and asked for protection. Some say he is a traitor I personally think he is doing right by himself. He knew he saw stuff and dipped. Cause here we kill people that are problems or disagree with our misguided used of what our founding fathers stood for, or the homeless sick and old veterans starving on food stamps if at all, we give little pricks all the power. Everyday all day. Why would one person matter. Why do we not stock together like Egypt? Why do we constantly allow the few to speak geberish and fight over the most trivial things....I could fix all our problems: no job? To many people. I m not racist in anyway but how does it make any sense that we don't have enough work for American born citizens why would we continue to accept new visas. If you became a citizen correctly and not hopped over the border and pop a kid out. Sound harsh? You pay for them. They get grants for a house, a car and a tax free business for 5 years then switch it to another family members name to avoid taxes. I have an Indian friend who explained what he has been soon for years. Then instead of pumping the $ into our amazing country that they had to come to they send it home. Now I do believe black people (yes I m white) and black people came from all over under the assumption they too would work and be taken care of only to be enslaved and kept here against their will. And they don't get approved for grants half as much as they should and usually its nowhere near what they deserve or what they need. The majority fight in the streets for not even a quarter of old Richey rich who is older than sort most the time. Or even the American Indians. No foreigner should be allowed to take our hard earned cash to make a living. I don't mean to sound heartless but if your country is that bad, then God places you there for a reason. I think some.not all of 3rd world countries are better off. We eat things that we created- we have horrible FDA standards- our income gaps are atroshish. Who ever thought a man that plays a game would make millions and our teachers,police officers, and emergency personal make barely over min. Wage. Let the visas run out and shot since we give then grants anyways help the get on their feet at home until population control and the economy gets back to Clinton days. Oh who cares he got his young sec to go down on him, if his wife obviously didn't care. He made us money, I could leave out one day and have five jobs. Now we live on too of one another either so rich the the united states were suing him for monopolizing the internet, which how do you monopolize on something you created..anyway- or we have the I'm middle class who look rich but have nothing because their pride and greed.or you have the almost what 75% of our population is starving and then they buy the most cheap groceries which are full of hormones and God knows what else. I know I said I would stop and I am but last last thing I would recommend finding out more about you social security card all together. Find out what all the numbers and letters mean. It will shock you
Discussion Deals
g: 0 Posted By: tedhawkins
Views: 153 Replies: 0 Swatch Men's Irony YCS564G Silver Stainless-Steel Swiss Quartz Watch $114.99 FS areatrend

http://www.areatrend.com/swatch-ycs564g-watch-1681886671.aspx

Upgrade to style and sophistication with this elegant swatch watch. Boasting a stunning 40mm stainless steel case matched with a secure stainless steel band, this timepiece makes an ideal accessory for any affair. The black dial sits under a mineral crystal, which combines a stylish look and an easy-to-read display. The sleek, subtle design instills this watch with an unmistakable sense of luxury that cannot be matched. Additional features include a chronograph, second measuring, and water resistance up to 30 meters.
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g: 0 Posted By: ctgolfer
Views: 101 Replies: 0 use promo code: SEARS35OFF300

Relocated to the door, the SpaceSaver Ice System makes chilly ice, while clearing an entire shelf to give you 30% more storage space, so you can stock up on frozen foods.
Adjusting to suit produce, desserts, meats, cheese and more, the temperature controlled convertible bin adapts to your grocery list with a quick swipe of the control.
SmartSense Temperature Management responds to warming and cooling instantly, ensuring a consistent temperature throughout the interior to help keep produce fresh and delicious.
The CleanFlow Air Filter circulates air through a charcoal filter to keep the refrigerator smelling fresh and is 15 times more effective than baking soda in reducing odors.
Designed to customize and help increase visibility, adjustable glass shelving moves to suit your storage needs while delivering an easy to clean surface with serious support.
Designed to keep you covered, even when companys over, Acceler-Ice creates frozen crescents faster, so you always have plenty of ice for drinks, cocktails and coolers.

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Is Buying A Condo Ever a Good Idea? When?
Added on : Sunday June 15th 2014 06:00:08 PM
g: 0 Posted By: robronson
Views: 16 Replies: 0 We know that in general, buying a condo is a terrible idea. a few highlight bullet points:

1) HOA restrictions. Keep you from doing what you want. It's like having a second government. Or mother.
2) HOA Special Assessments. HOA gets to decide when you need to drop an extra $20k on Project X.
3) HOA Lawsuits. HOA gets sued for doing something stupid. You foot the bill for the amount that exceeds their insurance.
4) Restrictions on renting. By the HOA.
5) Inability to sell, if too many units are not owner-occupied because no bank will issue a mortgage to the person who wants to buy your unit.
6) HOA requiring you to buy something you may not want. Like a community pool. Or monthly cable TV.

I don't mean for this to be a Condo-bashing thread. I'm citing the common issues that I've read on FWF against condo ownership. I started this thread to explore the possibility that in limited circumstances, buying a condo may be a good thing. In nearly all cases, buying a timeshare is a terrible idea. But I'm sure there's limited circumstances an FWFer could exploit the deal.

Tell me, FWF, when does buying a condo make sense?
Home Equity Line (HECL) TIAA CREF, TIAA Direct
Added on : Saturday June 14th 2014 05:00:07 AM
g: 0 Posted By: Senorpobre
Views: 14 Replies: 0 Wondering if anyone else has had a similar problem issue. We went through the entire HECL process and everything was fine only to find out four to five weeks later that they would not open the line as the funds "were being used for a structural change to the property and not just a remodel". We were told that we could take the family to Tahiti, but that increasing the value of their collateral in this waywas out of the question.

Our project is to add one bathroom and a three car garage to our existing home.

Even after seeking some form of an exception they said this was not possible. Anyone else have a similar problem or issue? Is it just TIAA?

Seems to defy logic and all common sense.
g: 0 Posted By: Muniee
Views: 76 Replies: 0
Citibank - My jobs direct deposit goes here. (My Primary Account)
Charles Schwab w/ Brokerage Account - 15% of my paycheck goes here (I think im creating an emergency fund here)
My local credit union - currently no money in this account (opened for lack of fees,and wanted a credit card from them but didn't get approved soit's just sitting.)

Few ?'s:
1. I want to start putting 15% of my paycheckinto a ROTH IRA, but i'm not sure whether I should have an emergency fund before contributing into a ROTH IRA...does it makes sense to open a ROTH IRA with Charles Schwab or are there better ones?
2. Should I just direct deposit all my money in Charles Schwab Checking Account, create an emergency fund with a charles shcwab savings account if they offer that,have a ROTH IRA with Charles Schwab,and close out my Citibank and CU account?
3. The citibank points are enticing, but is it worth it?
Question Deals
g: 0 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/dp/B00HGB70WM/

4.8 out of 5 stars See all reviews (62 customer reviews)

1. Have you always wanted to learn how to play piano scales, chords, and arpeggios, but did not know where to start?

2. Did you start piano lessons once and give up because the lessons were too difficult?

3. Are you struggling to follow online piano lessons that seem to jump all over the place without any sense of direction or consistency?

4. Would you like to expand your musical understanding and learn how to play the piano through an affordable, step-by-step book and video course?

If your answer to any of the these questions is yes, then this piano book and video course is definitely for you!

The follow materials are covered in this book and streaming video course:

* Piano Technique (Beginner to Advanced Levels)
* How to Read Music
* Music Theory
* Major Scales in All Keys (One and Two Octaves)
* Natural Minor Scales in All Keys (One and Two Octaves)
* Harmonic Minor Scales in All Keys (One and Two Octaves)
* Melodic Minor Scales in All Keys (One and Two Octaves)
* Major Chords in All Keys
* Minor Chords in All Keys
* Chromatic Scales
* Dominant 7th Chords in All Keys
* Minor 7th Chords in All Keys
* Major 7th Chords
* Augmented Chords
* Diminished Chords
* Major Chord Inversions in All Keys
* Minor Chord Inversions In All Keys
* Major Arpeggios in All Keys
* Minor Arpeggios in All Keys
* Diminished Arpeggios
* Augmented Arpeggios
* Dominant 7th Arpeggios
* Minor 7th Arpeggios
* Major 7th Arpeggios
* Key Signatures
* Circle of 5ths
* The Modes (Dorian, Phrygian, Lydian, Mixolydian, Aeolian, Locrian)
* Chord Theory
* Improvisation
* Play-Along Accompaniment Videos
* Rhythms

This piano book also covers the following material: piano music, piano chords, piano scales, piano arpeggios, piano sheet music, piano theory, music theory, popular songs for piano, piano exercises, piano instruction, how to play the piano, kids piano, piano notes, piano lessons, piano practice, piano repertoire, piano sight reading, piano technique, piano theory, how to read music, piano instruction, and piano for adults.
Books & Magazines Deals
g: 1 Posted By: remick
Views: 318 Replies: 0 http://www.amazon.com/dp/B004TS1M74/

Every dad wants to be a great dad. But what does it take to build a great dad? What raw materials does one need? And how do you put them all together?

Designed for the do-it-yourselfer in every man, Project Dad is a humorous, biblically based guidebook to becoming a great dad. With short, entertaining chapters that cover five key components, this guidebook encourages fathers to raise their children with a renewed sense of purpose in order to positively impact them in their adult life. Cartmell shows dads that the way they look at, talk to, connect with, act toward, and lead their children is what separates a good dad from a great dad.



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Balance Your Work and Family Life with Less Stress and More Fun! A Coach Me Quick! Guide for Working Moms
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g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.amazon.com/dp/B004TS1M74/

Every dad wants to be a great dad. But what does it take to build a great dad? What raw materials does one need? And how do you put them all together?

Designed for the do-it-yourselfer in every man, Project Dad is a humorous, biblically based guidebook to becoming a great dad. With short, entertaining chapters that cover five key components, this guidebook encourages fathers to raise their children with a renewed sense of purpose in order to positively impact them in their adult life. Cartmell shows dads that the way they look at, talk to, connect with, act toward, and lead their children is what separates a good dad from a great dad.



The Happy Family: A Blueprint for a More Joyful, Balanced and Fulfilling Family Life
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g: 0 Posted By: j129
Views: 105 Replies: 0 A little backstory.
I am a foreign Medical graduate with a green card (will get my citizenship later this year).
I've decided that I don't want to pursue medicine as a career. I want to try something Managerial and based on research, have decided to do a Masters in HealthCare Administration.
All that I've read, seems to say that this is a growing career path with a lot of potential.

My financial situation.
Used to work as a pharmacy tech while I was preparing for the USMLE,but after a lot of procrastination and doubtI have finally decided that I didn't want to take the USMLE.
I don't want to be a doctor.
I don't have much saved (been in the US of A for 3 years), have about $4k in my bank account.
Live with my parents but I don't ask them for any money. They put a roof over my head and food on the table for no cost, and that is more than enough for me.

Plans for the future.
After spending a lot of time trying to figure out what I want to do with my life (am also really interested in stuff like Advertising, Media, things of that nature, but have no idea how to get into that, since I don't have any background in media whatsoever)
and decided on the MHA program.
I live in CT and there are two universities here that offer the MHA program.
The one that I like is the University of New Haven.

The cost is $825 per credit (42 credits) = $34,650. I have spoken to the Financial Aid officer at the university and he told me that I can easily get a Federal Direct Unsubsidized Student Loan (and it's not need based).
FA can pay a maximum of $20,500 per year, so for the first year (27 credits = $22,275) I'd be short a few thousand + cost of books. So there's another loan called the Graduate Plus Loan that I can get, which will pay for the rest.
Interest Rate for the former loan is 6.21% and for the latter is 7.21%.

My questions.

1. Is financial aid taxable?

2. The Median salary for someone with a Masters in Healthcare administration is about $70-80,000. A faculty member I spoke to, said that I should easily be able to start off with a $55,000 salary at least. And it'll go upwards from there.
Does taking a loan of $40,000 (assuming books etc) make sense?

3. Hoping to get an assistantship that'll cut the tuition cost by 50%. If it does get cut, would it be possible for me to hold on to the surplus FA I'm getting? Because....

4.. I'm single right now...But the plan is to get married next year. Yes...I won't have a permanent job, and I know all the problems I'll face getting married before I'm able to stand on my own feet, but it's complicated and it needs to happen by next year, or it'll never happen.
My fiance will not move here until she received her green card, and that's not going to happen till we get married, so it's going to be a while before she comes here, and hopefully by then, I'll be really close to completing. (Begins in Sept 2014. Ends in March 2016).
Iwill need about $15k..if I save that from FA, can i just use that? The reasoning behind that being, that I would not have to pay off the loan till 6 months after I graduate giving me enough time to find a job and start paying it off.
As opposed to taking a personal loan (also something I know nothing about) but which I think, I'd have to pay back sooner and the interest rate would be higher?

4. Do local universities carry more weight in their home towns? I asked local folk. Friends of my mother from church, and they all seem to have a high opinion of the University of New Haven.
It is ranked #101 here.I couldn't find a ranking for it's MHA program but I've heard that a lot of universities pay for these rankings so I don't know how much attention to pay to it.
I guess my main worry is, is it worth it? Am I getting into something that's not good for me?

5. A friend I know from medical university who later moved here to do her Masters in Public Health (she was always passionate about it), says that in her opinion $35k is a lot (no subsidized in-state costs because UNH is private) and if I'm spending that much, I'd rather go to a better university.
Problem with that reasoning is, that I'd have to move to a different state. Have to take a bigger loan to pay for housing and food and end up in even more debt. It's easy for her to say because her tuition was paid for by her parents.
But what do you guys think?

6. What's a better way to get jobs? Networking or interning? I have no problem doing tons of internships but I would rather try and find some part time work that'll put some money in my pocket.

I would highly appreciate any help that I can get.
I never went to high school or undergraduate college in the U.S so I really don't know how all this functions.
Would appreciate any suggestions, ideas that you'd provide.

Thank you.
Personal Finance Deals
g: 0 Posted By: Farfisa850
Views: 140 Replies: 1 http://www.homedepot.com/p/t/204361154?storeId=10051

Enjoy quiet, yet powerful dishwashing performance. Save on energy and water bills with ENERGY STAR compliance. And easily fit tall and oversized objects on the top rack with the Adjustable Racking System.
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A six-layer door and special insulation system significantly minimizes noise during operation
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This dishwasher is ENERGY STAR 2013 Tier 1 compliant so that you can save money on your energy and water bills
Uses less than 265 kWh of power per year, exceeding Department of Energy standards
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With the Adjustable Racking System, This Samsung Dishwashers fits more dishes with space for 15 place settings
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g: 0 Posted By: Xenocrates
Views: 92 Replies: 0 Geek Squad Refurbished -Samsung Galaxy Gear Smart Watchfor Select Samsung GalaxyPhones (Jet Black) - $89.99 FS @ Best Buy

Hands-Free Calls
S Voice:Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more!
Auto Lock/Unlock:Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location
Built-In Pedometer
H: 1.5" x W: 2.2" x D 0.4"
1 Year Warranty

This has 4.4 / 5 starswith 465 customer reviews @ Best Buy.

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10% off Incandescent light bulbs at 1000Bulbs expires 6/16/14
Added on : Tuesday June 10th 2014 12:00:07 PM
g: 0 Posted By: l00gee
Views: 129 Replies: 0 The deal is only on the standard shape, spot and flood bulbs. Coupon code is NOBAN. You can find them here -https://www.1000bulbs.com/category/incandescent-light-bulbs/.

I did a search and didn't see anyone else post it. I still use these for areas where I don't turn the lights on very often light in hallway closets where it would make sense to spend $20 - $30 on LED.


Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 117 Replies: 0 shipping adds $5

Your choice of Breville Juicers:

Breville the Juice Fountain Compact - RM-BJE200XL:
Breville Juice Fountain Compact. Compact design packed with power. Collects pulp within the footprint of the unit to conserve counter space. Delivers all the power and performance you'd expect from a Breville juicer. The 700 watt motor spins the filter basket at 14,000 RPM to extract 8 oz (250 ml) of juice in a mere 5 seconds.

Patented 3" (76 mm) circular feed tube processes whole fruit
Centered dual knife blade assembly
Stabilizing knife
Pulp Container Capacity: Large capacity 1.6 qt (1.5 L) pulp container
Juice Jug Capacity: 25oz (800ml) juice jug with froth separator
Feed Chute Size: Patented 3.3" (84mm) with cutting knife to center produce
Juicing Disc Filter: Patented stainless steel cutting disc surrounded by Italian made micro mesh filter to extract up to 30% more juice and 40% more vitamins and minerals than other juicers
Speeds: 1 speed 13,000 RPM
Safety Features: Safety lock mechanism prevents unsafe operation
Included Accessories: 25oz (800ml) juice jug with froth separator and a cleaning brush

Breville RM-JE98XL the Juice Fountain Plus:
Heavy-duty 850 watt motor with dual speed control: a low speed (6,500rpm) for softer fruits and vegetables and a high speed (12,000rpm) for harder fruits and vegetables
Patented extra-wide feed chute (3 wide): juice large fruits and vegetables with little to no cutting or preparation
Patented direct central feed system for maximum juice extraction
Nutri Disc with stainless steel blades and stainless steel mesh filter basket for spinning out the pulp
Heavy grade polymer body for durability
1 liter juice jug (34 fl. oz.) with froth separator
Large capacity pulp container with integrated handle
Cord storage: the power cord wraps around feet and clips into position under the base for a reduced counter-top footprint
Safety Locking Arm prevents the juicer from operating without the cover locked into place
Overload protection prevents over-heating, automatically shutting the machine down when it senses that the machine is overloaded
All materials that come in contact with food are BPA-free, ensuring safe use
Easy clean-up with the included cleaning brush
All parts except for the mesh filter basket/Nutri Disc and food pusher can be washed on the top shelf of the dishwasher
Owner's Manual

Breville the Juice Fountain Multi-Speed - RM-BJE510XL
Extra large 3.2 qt (3 L) pulp container
1.1 qt (1 L) juice jug capacity with froth separator
Patented 3.3" (84mm) feed chute size with cutting knife can process whole fruits
Patented stainless steel cutting disc surrounded by Italian made micro mesh filter to extract up to 30% more juice and 40% more vitamins and minerals than other juicers
5 speed, variable control with LCD feedback from 6,500 RPM for soft fruits and leafy greens to 12,500 RPM for more dense foods
Safety lock mechanism prevents unsafe operation
Interactive LCD that shows speed settings and fruit icons to help select the right speeds
1.1 qt (1 L) juice jug with froth separator
Detachable spout for juicing directly into glass

Breville the Juice Fountain Elite - RM-800JEXL
Easy-to-clean components allow you more time for enjoyment
Ultra sharp titanium reinforced cutting disc surrounded by Italian made micro mesh filter to extract up to 30% more juice and 40% more vitamins and minerals than other juicers
1000-watt juicer with 2 speed controls, high (13,000 rpm) and low (6,500 rpm)
Die-cast steel housing; stainless-steel micromesh filter
Circular 3-inch feed tube accommodates whole fruits and vegetables
Centered dual knife blade assembly
Stabilizing knife
Extra large 3.2 qt (3 L) pulp container
1.1 qt (1 L) juice jug with froth separator
Manual/recipe book and cleaning brush included
Dishwasher-safe parts
Locking arm bolts move up to 1/4" in all directions to ensure a snug fit in the locking arm
Safety lock mechanism prevents unsafe operation


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woot! Coupons
g: 0 Posted By: jskins
Views: 157 Replies: 0 Hisense 1080p 120Hz 50" LED HDTV Refurbished (50K23DG)-$359.99 using code MASTERPASS10 with Free Shipping at Newegg. Must checkout with MasterPass which is Free. ( Deal Expires 6/15)

50" Screen
120Hz refresh rate
1920 x 1080 Resolution
16:9 Aspect Ratio
2 x 10W Speakers
2 x HDMI (1 x MHL)
3.15" Depth
90-Day Warranty

LED TV Deals

Newegg Coupons
Color Block Double Leather Clutch is crafted in soft buttery calfskin with an ultra modern sense that will compliment your style. Featuring top zip closure, internal logo patch, slip handle/strap to attach the second smaller clutch with top zip closure and embossed signature logo. Silver tone metal hardware and detail. Made in Italy.
Color Block Double Leather Mini Clutch is crafted in soft buttery calfskin leather with an ultra modern sense that will compliment your style and go everywhere you go. Featuring top zip closure, internal logo patch, slip handle/strap to attach the second smaller clutch with top zip closure and embossed signature logo. Silver tone metal hardware and detail. Made in Italy.
g: 0 Posted By: ctgolfer
Views: 126 Replies: 0 use promo code: MASTERPASS10 and check out with Masterpass
$29.99 after $15 mail-in rebate

Brand
Hisense
Series
Sero 7 LT
Model
E270BSA

Operating Systems
Operating System
Android 4.1 (Jelly Bean)

CPU
CPU Type
Dual Core
CPU Speed
1.60GHz

Display
Screen Size
7.0"
Touchscreen
Yes
LCD Features
Capacity Touchscreen
Resolution
1024 x 600

Hard Drive
HDD
4GB

Memory
Memory
1GB
Memory Speed
DDR2

Communications
WLAN
802.11b/g/n Wireless LAN

Ports
USB
Micro USB 2.0
HDMI
1 x Mini HDMI

Supplemental Drive
Card Reader
Micro SD (up to 32GB)

Physical spec
Dimensions
7.87"L x 4.8"H x 0.41"W
Weight
0.8 lbs.

Features
Other Features
Pandora Internet Music, Facebook apps

Google Play (for applications)

Media Formats: Popular media formats
Function
Internet Tablet

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Tablets & iPads Deals

Newegg Coupons
A Message from GE Capital Invest Direct
Added on : Friday June 06th 2014 10:00:14 AM
g: 0 Posted By: ToddC
Views: 58 Replies: 2 Has anyone received this message, and if so, what are your plans if you have over $500K invested?

Dear Investor,

So that it continues to make economic sense to offer GE Interest Plus in light of recent regulatory changes, on July 30, 2014, GE Capital will discontinue paying interest on the portion of an investment that is greater than $500,000.

If you maintain more than $500,000 in your investment account, or have a balance that is approaching $500,000, we are notifying you now so you are mindful of the change and, if impacted, have the opportunity to act prior to July 30, 2014.

This change is designed to encourage investors to maintain investments in amounts below $500,000 and will only apply to the portion of your investment that is greater than $500,000. Investments up to $500,000 of your personal or business investment will continue to earn the applicable GE Interest Plus rate available for such investments. Current rates appear at our website, www.gecapitalinvestdirect.com.

Thank you for your continued investment in GE Interest Plus.

Sincerely,
GE Capital Invest Direct



Investing Deals
g: 6 Posted By: jskins
Views: 1545 Replies: 10 Babolat E-Sense Comp Racket + V-Pro 2 Shoes- $69.00 with Free Shipping at Tennis Warehouse. This combination would normally cost around $150.

To get this discounted price:

Add racquet to cart, and then you will see the Babolat V-Pro 2 All Court HC Blue/Yellow Men's Shoes.
Select the shoe size to reach $149 - $79 off in cart + $6 filler($75 free shipping minimum) = $76 with free shipping.

If you prefer to not buy the towel, you can just select shipping for $6.

Head Size:100 sq. in. / 645.16 sq. cm.
Length: 27in / 68.58cm
Strung Weight: 10.1oz / 286.33g
Balance: 13.62in / 34.59cm / 1 pts HH
Swingweight: 310
Stiffness: 63
Beam Width: 23mm / 26mm / 23mm /
Composition: Graphite
Power Level: Low-Medium
Stroke Style: Medium-Full
Swing Speed: Medium-Fast
Racquet Colors: Red/ Black/ White
Grip Type: Babolat Synthetic
String Pattern: 16 Mains / 19 Crosses
Mains skip: 7T,9T,7H,9H
Two Piece
No Shared Holes
String Tension: 50-55 pounds

Sports & Outdoors Deals
g: 4 Posted By: jskins
Views: 756 Replies: 6 Babolat E-Sense Comp Racket + V-Pro 2 Shoes- $69.00 with Free Shipping at Tennis Warehouse. This combination would normally cost around $150.

To get this discounted price:

Add racquet to cart, and then you will see the Babolat V-Pro 2 All Court HC Blue/Yellow Men's Shoes.
Select the shoe size to reach $149 - $79 off in cart + $6 filler($75 free shipping minimum) = $76 with free shipping.

If you prefer to not buy the towel, you can just select shipping for $6.

Head Size:100 sq. in. / 645.16 sq. cm.
Length: 27in / 68.58cm
Strung Weight: 10.1oz / 286.33g
Balance: 13.62in / 34.59cm / 1 pts HH
Swingweight: 310
Stiffness: 63
Beam Width: 23mm / 26mm / 23mm /
Composition: Graphite
Power Level: Low-Medium
Stroke Style: Medium-Full
Swing Speed: Medium-Fast
Racquet Colors: Red/ Black/ White
Grip Type: Babolat Synthetic
String Pattern: 16 Mains / 19 Crosses
Mains skip: 7T,9T,7H,9H
Two Piece
No Shared Holes
String Tension: 50-55 pounds

Sports & Outdoors Deals
g: 2 Posted By: jskins
Views: 469 Replies: 2 Babolat E-Sense Comp Racket + V-Pro 2 Shoes - $79.00 with Free Shipping at Tennis Warehouse. This combination would normally cost around $150.

To get this discounted price:

Add racquet to cart, and then you will see the Babolat V-Pro 2 All Court HC Blue/Yellow Men's Shoes.
Select the shoe size to reach $149 - $79 off in cart + $6 filler($75 free shipping minimum) = $76 with free shipping.

If you prefer to not buy the towel, you can just select shipping for $6.

Head Size:100 sq. in. / 645.16 sq. cm.
Length: 27in / 68.58cm
Strung Weight: 10.1oz / 286.33g
Balance: 13.62in / 34.59cm / 1 pts HH
Swingweight: 310
Stiffness: 63
Beam Width: 23mm / 26mm / 23mm /
Composition: Graphite
Power Level: Low-Medium
Stroke Style: Medium-Full
Swing Speed: Medium-Fast
Racquet Colors: Red/ Black/ White
Grip Type: Babolat Synthetic
String Pattern: 16 Mains / 19 Crosses
Mains skip: 7T,9T,7H,9H
Two Piece
No Shared Holes
String Tension: 50-55 pounds

Sports & Outdoors Deals
g: 0 Posted By: jskins
Views: 68 Replies: 0 Babolat E-Sense Comp Mid+ Tennis Racquet (100-sq.-in.)- $79.00 with Free Shipping at Tennis Warehouse. This combination would normally cost around $150.

To get this discounted price:

Add racquet to cart, and then you will see the Babolat V-Pro 2 All Court HC Blue/Yellow Men's Shoes.
Select the shoe size to reach $149 - $79 off in cart + $6 filler($75 free shipping minimum) = $76 with free shipping.

If you prefer to not buy the towel, you can just select shipping for $6.

Head Size:100 sq. in. / 645.16 sq. cm.
Length: 27in / 68.58cm
Strung Weight: 10.1oz / 286.33g
Balance: 13.62in / 34.59cm / 1 pts HH
Swingweight: 310
Stiffness: 63
Beam Width: 23mm / 26mm / 23mm /
Composition: Graphite
Power Level: Low-Medium
Stroke Style: Medium-Full
Swing Speed: Medium-Fast
Racquet Colors: Red/ Black/ White
Grip Type: Babolat Synthetic
String Pattern: 16 Mains / 19 Crosses
Mains skip: 7T,9T,7H,9H
Two Piece
No Shared Holes
String Tension: 50-55 pounds

Sports & Outdoors Deals
g: 0 Posted By: MISTERCHEAP
Views: 120 Replies: 0 www.kmart.com

SmartSense 24 pack Purified Water on 3 day sale.
In Store Promos Deals
Homeowners Insurance - CLUE Report
Added on : Wednesday June 04th 2014 01:00:11 PM
g: 0 Posted By: master44
Views: 75 Replies: 1 In 2011 we had a basement pipe burst from freezing outside temps while out of town on vacation; The people watching our house turned off the water, but described what seemed to be a mess. While out of town we contacted our home insurance to see how to proceed; It just happens that the cold temps hit lots of people at the same time and the insurance company was unsuccessful in getting a remediation company out. We cut our trip short and returned home to find that the water in the basement receded and didn't do nearly as much damage as we feared. It cost me maybe $500 to fix things and given our insurance deductible was $1000 we called the insurance company and told them there was no claim.

Fast forward a couple of years, we have seen our home insurance premiums increase 25-30% per year since 2011. With the first 2 increases we called and were told it was due to statewide increases and our house getting older, which sucked, but made sense. This year again we got a 30% increase so I started shopping around only to find quoted premiums are really high, i.e. in 2011 we paid ~$700 and now in 2014 we are paying $1750 and new quotes are coming in at $3900+/-.

I inquired why and was told by one company it was due to our claim in 2011 that shows up on CLUE as a $0 claim, but was still considered and treated as a recent claim. The problem I have is there was no claim ever filed, I only called to get guidance on how to do things right when being out of town so I can make sure I am covered by insurance if needed. Long story short, I called the Insurance company I had in 2011 and asked them to remove the CLUE entry and was told that it isn't possible, the best they were able to do is send me a "Letter of Loss" basically saying they made a claim that was cancelled by me without any action taken on their part.

Question is can I do anything about this? I am now looking at paying really high premiums likely because I spoke to the insurance company about remediation for potential damage. If not, maybe this will serve as a warning not to call insurance unless you are really sure you will use them.

Thanks!
Question Deals
g: 7 Posted By: ShoppingChick
Views: 1479 Replies: 8 Amazon has theSchlage Century Touchscreen Deadbolt w/ Z-Wave Technology & Built-In Alarm (BE469NXCEN619)for $167.95 - 20% off instant savings during checkout = $134.36with free shipping.

ANSI Grade 1 Highest Residential Security
Durable Resistive Touchscreen with matte finish to protect against fingerprints and smudges
Anti-pick shield protects against lock tampering
Strong motorized bolt automatically locks and unlocks when a user code is entered
Built-in Alarm Technology senses movement of the door and alerts homeowners with an audible alert

More select 20% OffSchlage Electronic Door Locksavailable here
Home & Garden Deals

Amazon Coupons
g: 0 Posted By: ShoppingChick
Views: 31 Replies: 0 Amazon has theSchlage Century Touchscreen Deadbolt w/ Z-Wave Technology & Built-In Alarm (BE469NXCEN619)for $167.95 - 20% off instant savings during checkout = $146.12 with free shipping.

ANSI Grade 1 Highest Residential Security
Durable Resistive Touchscreen with matte finish to protect against fingerprints and smudges
Anti-pick shield protects against lock tampering
Strong motorized bolt automatically locks and unlocks when a user code is entered
Built-in Alarm Technology senses movement of the door and alerts homeowners with an audible alert
A way dental insurance makes sense: not requiring a wait period
Added on : Tuesday June 03rd 2014 07:00:08 AM
g: 0 Posted By: Gauss44
Views: 81 Replies: 2 I'm doing some research to figure out if all individual dental insurance policies, as oppose to group policies (that require working for a certain employer), require new subscribers to wait some number of months before their coverage begins. I will post results as I get them.

Delta Dental - Requires a wait period
BCBS - Has no individual plan (only plans through employers)

(The significance is that no wait period means, I think it means, you can just buy the insurance before heading to the dentist if and when it's needed.)
Discussion Deals
g: 0 Posted By: ctgolfer
Views: 144 Replies: 0 shipping adds $5

Cleaning 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 rechargeable 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

http://moofi.woot.com/offers/irobot-roomba-530-robotic-vacuum-29
Moofi Deals
g: 0 Posted By: ctgolfer
Views: 60 Replies: 0 1080p Full HD resolution delivers ultimate detail and lifelike colors for a crystal-clear picture
120Hz Refresh Rate presents action packed sports and movies with a smoothness and stability that captures every image in astonishing detail
Enjoy a superior HD experience with HDMI, the one cable audio/video solution
50" screen measured diagonally from corner to corner

http://electronics.woot.com/offers/hisense-50-1080p-120hz-led-hd...
Daily Deals

woot! Coupons
g: 1 Posted By: remick
Views: 127 Replies: 0 http://www.amazon.com/gp/product/B004SIR422

Many of us are crazy about money. We spend too much of it and save too little. We hoard it and we sink into debt over it. We lavish it and are stingy with it. We lie about it and fight over it. We think about it all the time and we avoid thinking about it at all.
What makes us act this way? We like to believe that our choices and actions are guided by rationality and common sense. But in fact, reason and common sense often have little to do with our money behavior. Even trained financial professionals can be crazy about money. Rather, our decisions are governed by our emotions and money beliefs.
If these emotions and beliefs are balanced and clear, we will act wisely with our money. If they are confused, we will make poor decisions, creating financial havoc and deep unhappiness. Crazy About Money helps you identify the unconscious emotions and beliefs that typically develop in childhood and drive your money decisions as an adult. It also shows you how to change misguided attitudes that lead so many people into money trouble.
Crazy About Money uses real and composite cases drawn from author Maggie Bakers 30 years of clinical psychology practice. Youll learn about Mary, who has a basement full of useless Internet purchases she made to get even with her seemingly indifferent husband. And about Harry, an 89-year-old multi-millionaire bachelor who nearly decided to move into a state-assisted living facility for fear he would run out of money. You will also meet others who, perhaps just like you, over-spend, under-save, and make poor investment decisions.
In-depth discussions explain how many people, once they understand their motivations, are able to break short-sighted or destructive money attitudes and patterns of behavior. Exercises at the end of each chapter will help you examine your own feelings and actions and point the way toward smarter choices with money, whether in saving, investing, spending, giving, or sharing.
In todays economic climate, its crucial to understand how you make money decisions and how you can improve them. Emotional clarity about money and financial literacy are necessary 21st-century survival skills.

Praise for Crazy About Money from other money experts:

Funny, humane, and to the point, this will be the most fun youve had while learning why we act as we do. It is a bible for anyone who teaches or counsels people about their money. Kent Engelke, Managing Partner and Chief Strategist, Capitol Securities Management

Read this book and insist that your financial advisors read it as well! G. Scott Budge, Ph.D., Psychologist/Managing Director, RayLign Advisory, LLC

"Crazy About Money takes a uniquely direct approach to how and why so many of us struggle with money. Dr. Baker draws on her extensive professional experience and her personal journey with her own finances to teach us that a healthy relationship with money is both freeing and attainable... this book a great read for anyone looking to understand his/her own attitudes and spending habits."
Leslie Gordon Mayer, Ph.D. President &CEO, Mayer Leadership Group; Fellow, Wharton School of Business

"... A priceless contribution to the field of money psychology, this book is a must-read for individuals and couples facing money conflicts or money avoidance. Mental health professionals, money coaches and financial professionals will also find it a great resource for themselves and their clients."
Olivia Mellan, psychotherapist, money Coach, speaker, and author of Money Harmony and The Client Connection (with Sherry Christie)(moneyharmony.com)
Totally Free Deals
g: 0 Posted By: DaysFan
Views: 170 Replies: 0 http://www.sears.com
Valid from June 01 - June 07Craftsman gas pressure washer with PerfectMix 2700-PSI, 2.3 GPMReg. $369.99$269.99
item # 07175287
PerfectMix no mix, no mess, just add soap.
http://akimages.shoplocal.com/dyn_li/400.0.90.0/Retailers/Sears/05_TB_613377_img_1446067974.jpg

Description Item # 07175287000PModel # 75287Enjoy High-Powered Washing with the Craftsman Gas Powered Pressure WasherThe Craftsman 2,700 PSI 2.3 GPM Pressure Washer delivers a water stream at 2,700 PSI/2.3 max GPM for heavy-duty washing. Powered by a Briggs & Stratton Professional Series 175cc (7.75-ft.-lbs. torque) OHV engine, it delivers versatile spray patterns with four quick-connect tips like soap low pressure, 0-degree, 15-degree and 40-degree high pressure to handle any task. Innovative Ready Start system automatically senses engine temperature and adjusts the air and fuel mixture to suit any condition perfectly. A Fresh Start fuel cap and snap-in concentrated stabilizer keeps gas fresher up to six months and delivers easier, no-hassle starting.Boasting a newly designed frame, the Craftsman gas powered pressure washer offers more support and protection for the powerful Briggs & Stratton engine. Maintenance-free axial cam pump with Easy Start technology provides effortless starting, even after frequent use. PerfectMix direct-from-concentrate soap system automatically mixes the perfect amount of concentrate into the water stream for super-effective cleaning (concentrate sold separately).

Great for occasional to frequent cleanups, the Craftsman 2,700 PSI 2.3 GPM Pressure Washer delivers power-packed washing performance for medium-sized projects like vehicles, decks and walkways
Fixed hose wrap keeps the 25-ft. high-pressure hose up and out of the way
Tubular-steel, fold-down handle for easy storage in your garage or garden shed
Solid 10 in. wheels for smooth-rolling maneuverability and portability
Thermal relieve valve for added safety and security
Weighing only 52 lbs., the pressure washer is extremely portable
Comes with a 2-year general warranty to protect your investment

Tools Deals

Sears Coupons
g: 1 Posted By: Ayla
Views: 157 Replies: 1 The Following: The Complete First Season [7 Discs] [Blu-ray/DVD] - $22.99 FREE Pick up, or add $2.99 Shipping at Best Buy



http://www.bestbuy.com/site/following-the-complete-first-season-...


Sale Price: $22.99

Regular Price: $39.99


Free In-Store Pick-Up

Est Shipping - $2.99
Free Shippingon orders $35 and up


Special Features:
~~~~~~~~~~~~~~~~~
From a Dark Place: Maximum Episode Mode: Executive Produer's Audio Commentary on the Pilot with focus points
The Thrill of Horror: The Creator behind The Following: An in-depth look at creator Kevin Williamson's journey to bring The Following to television
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinning of the Followers
The Following Production Chronicles
The Followers Den


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


Compare:
~~~~~~~~
Amazon - $36.45 & $36.81
F. Y. E. - $31.99 - But if you join - $28.79
WBShop - $40.29 & $49.99
WalMart - Out of stock on line - I called my store, and they don't have it there either


Blu Ray Deals

Best Buy Coupons
g: 2 Posted By: Ayla
Views: 151 Replies: 0 The Following: The Complete First Season [4 discs] (DVD) From $9.50 F/S to $19.75 on eBay, and $19.99 at Best Buy





I AM LISTING ALL I FOUND ON eBay THAT ARE CHEAPER THAN THE ONES AT BEST BUY:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~



From lowest price to highest:
~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $9.50 - only 2
FREE Shipping

~~~~~~

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Price: $9.55
FREE Shipping - only 6 at this price it says

~~~~~~

http://www.ebay.com/itm/The-Following-The-Complete-First-Season-...

Price: $9.55
FREE Shipping - 6 available

~~~~~~

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Price: $9.75
FREE Shipping

~~~~~~

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Price: $10.50 - no mention how many
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~~~~~~

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Price: $11.25 - 2 available
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~~~~~~

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Price: $12.95 - no mention how many
FREE Shipping

~~~~~~

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Price: $16.75
Shipping: $3.00

~~~~~~

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Price: $17.89 - no mention how many
FREE Shipping

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


http://www.bestbuy.com/site/following-the-complete-first-season-...



Sale Price: $19.99

Regular Price: $34.99


FREE In-Store Pick-Up

Est. Shipping: $2.99
Free Shipping on orders $35 and up


Special Features:
~~~~~~~~~~~~~~~~~
An in-depth look at creator Kevin Williamson's journey to bring The Following to television
Deleted Scenes
From a Dark Place: Maximum Episode Mode: Exective Producers' Audio Commentary on the Pilot with focus points
Season finale Commentary
The Cult of Joe Carroll: Inside The Followers: Cast and Producers examine the psychological underpinnings of the Followers
The Followers Den
The Following Production Chronicles
The Following: Free Megan
The Poe Mask
The Thrill of Horror: The Creator Behind the following:


Synopsis:
~~~~~~~~~
Kevin Bacon and UK's James Purefoy (Rome) star in this terrifying new thriller from Kevin Williamson (The Vampire Diaries, Scream). When notorious serial killer Joe Carroll (Purefoy) escapes from death row and embarks on a new killing spree, the FBI calls former agent Ryan Hardy (Bacon), a psychologically scarred veteran who captured Carroll nine years earlier, after Carroll murdered 14 female students on a college campus where he taught literature. Knowing Carroll better than anyone and close with Carroll's ex-wife, Claire, Hardy works closely with an FBI team, which includes no-nonsense agent Jennifer Mason and sharp upstart Mike Weston, and soon discovers that Carroll was not only communicating with a network of killers in the outside world, but has much more planned than just a prison escape-and there's no telling how many additional killers are out there.


Feature running time: 654 minutes


Compare:
~~~~~~~~
Amazon - $22.98+ Shipping or FREE with Prime


DVD Deals

eBay Coupons
Fire Sense Pagoda Patio Fireplace ($110.98 was $179.99) @ Sears
Added on : Wednesday May 28th 2014 04:00:08 PM
Fire Sense Pagoda Patio Fireplace - $110.98 w/ FS A/C @ Sears
Added on : Wednesday May 28th 2014 03:00:03 PM
g: 0 Posted By: hellokitty27
Views: 0 Replies: 0 Sears has the Fire Sense Pagoda Patio Fireplace for $110.98 w/ coupon code SEARS2014. Free shipping.

Unique decorative design
Black steelwithheat resistantfinish
Steel grate for wood
Fire tool included
g: 0 Posted By: Deals4mykids
Views: 128 Replies: 0

Cleaning 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 rechargeable 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


http://www.woot.com

Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day irobot
Daily Deals

woot! Coupons
08-A14 3-Colors Changing LED Handle Shower Head $10.49 + fs
Added on : Tuesday May 27th 2014 04:00:05 PM
g: 0 Posted By: jisab
Views: 115 Replies: 0 http://www.aurabuy.com/08-a14-3-colors-changing-led-handle-showe...


Features:
High quality shower head with built-in LED light
LED light is activated when the shower senses water flow
LED color changes according to water temperature
No batteries needed
Easy and simple to install
Brings you a new level of fun and relaxation into the shower
LED lighting color:
Gives out green light automatically when the water temperature is ≤31℃
Gives out blue light automatically when the water temperature is between 32℃-38℃
Gives out red light automatically when the water temperature is between 39℃-45℃
Gives out flashing red light when the water temperature is above 45℃

Specifications:
LED Color: Green, blue and red
Material: ABS plastic
Shell Color: Silver
Surface Treatment: Water plating
Shower Head Diameter: 7.8 cm
Size: 21.5 * 4 cm (Length x Thickness)
Weight: 0.162 kg
Home & Garden Deals
g: 0 Posted By: ctgolfer
Views: 150 Replies: 0 Quick Glance Notifications Receive notifications on your wrist with Galaxy Gear. Stay in the moment by keeping your phone out of sight, without missing important calls, texts, events, and more.
Smart Relay for Even Faster Access to Notifications When a notification requires a closer look, the second you pick up your Galaxy phone, the Smart Relay feature automatically opens up that app to the exact message you're seeing on your wrist.
Hands-Free Calls Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. Galaxy Gear includes 2 built-in noise-canceling microphones and a built-in speaker for hands-free chatting.
S Voice Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more! With access to Samsung's robust S Voice feature right from Galaxy Gear, you'll enjoy hands-free convenience.
Find My Device Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location. You can also use your phone to help you find the Galaxy Gear.
Auto Lock/Unlock Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Brilliant Display Samsung Galaxy Gear's 1.6" Super AMOLED touchscreen has more pixels than most smartphones, which means you can read crisp text and enjoy vivid images right from your wrist.
The Companion With Style Galaxy Gear is the companion device designed to make life easier without cramping your style. Its sleek design, durable body and range of colors mean you can wear it anywhere and everywhere.
Personal Touch Use the Gear Manager app on your Galaxy phone to totally customize your experience. Change your Gear settings, customize and add new watch faces, enable or disable features, organize your apps and more.
Capture the moment right from your wrist. Don't miss the action pulling out your phone. With a 1.9 MP auto-focus camera embedded in the strap, snap pictures and even capture videos quickly and easily right from Gear.
Built-In Pedometer Galaxy Gear makes it easier to get in shape. Keep track of your walking and running distance with its built-in pedometer. And with S Health, you can monitor and achieve your fitness goals right from your wrist.
Music Player Whether Samsung Galaxy phone is in your pocket or plugged into a dock, you can seamlessly turn up the volume and change songs in an instant. Now that sounds good.

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g: 0 Posted By: ctgolfer
Views: 241 Replies: 0 Smart Enabled
Get access to a world of instant entertainment with this product. Just connect to the Internet and stream movies, listen to music, and access a wide variety of other content.
31-1/2" screen (measured diagonally from corner to corner)
A good size for a small living room, bedroom or dorm room.
LED displays are at their best in well-lit rooms
They also perform well in darker rooms, and deliver plasma-like deep blacks and rich colors.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
60Hz refresh rate
Images refresh 60 times per second for basic performance during fast-motion scenes.
Clear Motion Rate 120
Enjoy high-speed action with good motion clarity.
Smart TV means a huge world of entertainment
Stream movies, videos, music and more with Samsung Apps.*
The Internet is now on your TV
Download and install apps, check your social networks and enjoy your photos, videos and music with Smart Hub. Surf your favorite Web sites with the included Web browser.*
Built-in Wi-Fi
Connect to your wireless home network.
Smart TV Signature Services
Share your most precious family moments with Family Story, stay in shape with Fitness, and combine entertainment and education with Kids Story.
Get the best picture possible, no matter the lighting
Eco Sensor technology automatically senses the light levels in a room and adjusts screen brightness for the best image possible.
Bold hues with enhanced colors
Wide Color Enhancer Plus improves the color quality of older films and non-HD content.
Discover new content based on your preferences
Get personalized recommendations for movies, TV shows and more with S-Recommendation.
Wirelessly access and stream content
AllShare Play lets you stream movies, music and photos from any compatible device, like a PC.**
Share photos, videos and mobile content on the big screen
ConnectShare Movie makes it easy to watch videos, play music and view photos from a USB connection without needing to use a PC or special equipment. USB cable not included.
Advanced TV sound
Two full-range 10W speakers and SRS TheaterSound HD provide a simulated surround sound experience.
Advanced stereo audio
DTS Premium Audio creates a richer audio experience using the TV's built-in speakers. DTS 2.0 outputs high-definition stereo audio.
Dolby Digital Plus and Dolby Pulse
Optimizes the sound for TV from sources like Internet movies and music, connected PCs, smartphones and tablets.
Auto volume leveler
Prevents sudden increases in sound, especially for TV commercials and movie soundtracks.
3 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable not included.
Additional connections
Provides flexibility with component and composite (shared) inputs, 2 USB ports and an Ethernet port. Also includes 1 optical digital audio output.

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g: 0 Posted By: ctgolfer
Views: 157 Replies: 0 Smart Enabled
Get access to a world of instant entertainment with this product. Just connect to the Internet and stream movies, listen to music, and access a wide variety of other content.
31-1/2" screen (measured diagonally from corner to corner)
A good size for a small living room, bedroom or dorm room.
LED displays are at their best in well-lit rooms
They also perform well in darker rooms, and deliver plasma-like deep blacks and rich colors.
1080p resolution for stunning HD images
Watch Blu-ray movies and 1080p HD content at their highest level of detail.
60Hz refresh rate
Images refresh 60 times per second for basic performance during fast-motion scenes.
Clear Motion Rate 120
Enjoy high-speed action with good motion clarity.
Smart TV means a huge world of entertainment
Stream movies, videos, music and more with Samsung Apps.*
The Internet is now on your TV
Download and install apps, check your social networks and enjoy your photos, videos and music with Smart Hub. Surf your favorite Web sites with the included Web browser.*
Built-in Wi-Fi
Connect to your wireless home network.
Smart TV Signature Services
Share your most precious family moments with Family Story, stay in shape with Fitness, and combine entertainment and education with Kids Story.
Get the best picture possible, no matter the lighting
Eco Sensor technology automatically senses the light levels in a room and adjusts screen brightness for the best image possible.
Bold hues with enhanced colors
Wide Color Enhancer Plus improves the color quality of older films and non-HD content.
Discover new content based on your preferences
Get personalized recommendations for movies, TV shows and more with S-Recommendation.
Wirelessly access and stream content
AllShare Play lets you stream movies, music and photos from any compatible device, like a PC.**
Share photos, videos and mobile content on the big screen
ConnectShare Movie makes it easy to watch videos, play music and view photos from a USB connection without needing to use a PC or special equipment. USB cable not included.
Advanced TV sound
Two full-range 10W speakers and SRS TheaterSound HD provide a simulated surround sound experience.
Advanced stereo audio
DTS Premium Audio creates a richer audio experience using the TV's built-in speakers. DTS 2.0 outputs high-definition stereo audio.
Dolby Digital Plus and Dolby Pulse
Optimizes the sound for TV from sources like Internet movies and music, connected PCs, smartphones and tablets.
Auto volume leveler
Prevents sudden increases in sound, especially for TV commercials and movie soundtracks.
3 HDMI inputs for the best home theater connection
High-speed HDMI delivers a full 1080p picture and digital surround sound in one convenient cable. HDMI cable not included.
Additional connections
Provides flexibility with component and composite (shared) inputs, 2 USB ports and an Ethernet port. Also includes 1 optical digital audio output.

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g: 1 Posted By: remick
Views: 180 Replies: 1 Making Sense of Spiritual Warfare
http://www.amazon.com/gp/product/B00B85CJS2

An easy to understand and sensible guide to spiritual warfare what it is, who is involved, the weapons involved, and how to prevail.



The Imitation of Christ: The Beatitudes Edition
http://www.amazon.com/gp/product/B007K3HQRU

The Imitation of Christ, widely believed to be the second best-selling book of all time, is as relevant today as in 1471 when first published. It continues to be one of the most popular of the Christian classics. A profound devotional, it invites those who read to return to it again and again. New insight comes with every reading.
The writing style of this Beatitudes version is clear, conversational, compelling. If you find it hard to understand the archaic language of vintage Imitation, this edition is for you. It moves out of the monastery into a busy, cluttered world with answers to questions of the heart people everywhere are asking.
Perhaps the most significant difference is the textual arrangement. The traditional sequence has little logical connection between chapters and often not between sentences. Here the words of Thomas Kempis merge with the New Testament Beatitudes to show the reader in a systematic way who Jesus Christ is and how to live in a way that pleases him.

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g: 0 Posted By: ctgolfer
Views: 74 Replies: 0 $34.99 after $15 mail-in rebate

Hisense
Series
Sero 7 LT
Model
E270BSA

Operating Systems
Operating System
Android 4.1 (Jelly Bean)

CPU
CPU Type
Dual Core
CPU Speed
1.60GHz

Display
Screen Size
7.0"
Touchscreen
Yes
LCD Features
Capacity Touchscreen
Resolution
1024 x 600

Hard Drive
HDD
4GB

Memory
Memory
1GB
Memory Speed
DDR2

Communications
WLAN
802.11b/g/n Wireless LAN

Ports
USB
Micro USB 2.0
HDMI
1 x Mini HDMI

Supplemental Drive
Card Reader
Micro SD (up to 32GB)

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Free Kindle Book- The Dakota Scrapbook: Exterior (was $12.00)
Added on : Wednesday May 21st 2014 03:00:05 AM
g: 0 Posted By: remick
Views: 192 Replies: 1 http://www.amazon.com/gp/product/B00KCZ75NS

Completed in 1884, the Dakota Apartment building has been the home of numerous luminaries of business, literature, stage, and screen. Some of the first residents to live there included members of the Steinway family, as well as successful publishers, merchants, and even a Bishop. Hundreds of rarely-seen and vintage articles and photos from the late 1800s and into the 20th century help tell the astonishing history of the Dakota while showcasing many of its architectural wonders.

For over 100 years the Dakota's appearance has inspired a sense of mystery and history within people, says Cardinal, an Investigative Historian whose private memorabilia collection was the foundation for the book and an associated forthcoming documentary. Now they can experience the early days of the Dakota and the Upper West Side first-hand by viewing the actual vintage articles, photos, sketches, and design plans from that time. We also share a lot of information and trivia which is of great interest to anyone interested in architecture, the history of New York, and great true stories.

Among the educational trivia in the book is that the Dakota was considered to be one of the first or perhaps even the first - luxury apartment building in New York by offering such amenities as residential elevators, multiple bathrooms per apartment, kitchens, a barber shop, firewood and coal delivery, and a private dining room for residents so they did not have to hire a staff to cook for them. In fact, their meals could be enjoyed in the first floor restaurant or the meals could be delivered and served by the Dakota's staff in the residents' apartments.

The Dakota Scrapbook gives readers a grand tour around the exterior of the Dakota, which also includes a unique glimpse of the roof - which resembles a miniature European village - and also invites readers into the Dakota's guarded Courtyard
which showcases two stunning cast-iron water fountains which once served as the center of a turn-around for horses-and-carriages. It is the Dakota's unique architecture and history that allowed it to be designated as a New York City Landmark in 1969. The building was also added to the National Register of Historic Places in 1972, and it was designated as a National Historic Landmark in 1976.

The Dakota Scrapbooks were researched, written and designed by a team of Investigative Historians, writers, and photographers known as The Cardinals.
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g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 Features:

Smart Relay with Quick Glance Notifications
Now you can receive Quick Glance notifications, such as texts, emails and phone calls, all on your wrist. And when you want to respond to one of your messages on your Samsung Galaxy device, Smart Relay automatically displays the same message for you on your phone, so you don't waste any time searching or opening applications.

Find My Device
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, you can use Galaxy Gear from the next room to remotely activate sounds or vibrations to make it easy to locate. You can also use your phone to help you find your Galaxy Gear-peace of mind goes both ways.

Auto Lock/Unlock
Keep your phone's content secure. Auto Lock senses when you've walked more than five feet away from your Galaxy device and automatically secures it. And when you return, Gear tells your phone that it s you and automatically unlocks -- no PIN entering or thumbprints required.

Hands-Free Calls
Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. It's the simple way to keep up when you have a lot going on.

Personal Touch
Use the Gear Manager app on your Galaxy device to totally customize your experience. Change your camera settings, customize and add new watch faces, enable or disable features, organize your apps and more.

S Voice
Enjoy a personal assistant right on your wrist. Use simple voice commands to place calls, compose messages, activate key features like the alarm and camera, schedule an event, check the weather, and more! With access the Samsung's robust S Voice right from Galaxy Gear, you'll enjoy hands-free convenience.

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Seeking Career Advice
Added on : Tuesday May 20th 2014 05:00:09 AM
g: 0 Posted By: budryan
Views: 557 Replies: 3 Gender: Male
Age: 34
Location: Bay Area, CA
Occupation: Operations Coordinator
Education: BS in CS, PMP certification
2013 Compensation: 80k + 10k bonus + stocks
Future Salary Projection: 2-3% yearly increase

Ive been stuck in a rut with my career and would like some career advice. I have a CS degree but dont really use it in my current profession. I work in a large pharmaceutical company that has treated me pretty well. I actually dont have any programming experience outside of school and that was a good 10+ years ago. Also I dont know if I can program as a full-time profession. The problem besides being challenged in my role is if I get laid off I will have a hard time finding another job because this role is very specialized.

Its been hard for me to move up in my current company without an additional degree. I have been considering going back to school for my MBA, but that is a long road and honestly I dont know what I want to do even when I get out. In addition would it make more sense for me to go for my masters in Biology to combine it with my CS degree? Also going back to school is a big finical commitment, although my employer will reimburse 5K a year, it is still going to be a lot of money and time invested.

There is the option of leaving the company and maybe trying to work in tech, but I would have to start from the bottom and its a gamble to me because I have a mortgage and I am not that young. I wished I posted on FW a lot sooner especially seeing the recent Career Thoughts and Compensation postings. Any career advice/ideas?
Question Deals
AZ property management. . .
Added on : Monday May 19th 2014 08:00:11 PM
g: 0 Posted By: hambirg
Views: 5 Replies: 0 My mother owns a park model in a very nice park in AZ. It is also in a prime location, about a block from the main club house, pool, etc.

She hasn't been down in a few years. From what I have found out, it can rent for $1700/month during the rental season.

She does nothing but complain about paying the HOA fees and the taxes on this property.

She did rent it for a few months a couple of years ago, but it was nothing but problems, as far as I know. It was rented through the park's office and there was some sketchy things with the man that was the agent. The story is, my mom asked about some blankets that were missing and the agent admitted to letting some friends "stay there for awhile" and they must have taken the blankets. I think the translation is that the agent was renting the place out, but not reporting it and paying my mom. . .or so she believes. Welcome to Del Boca Vista folks!

Anywhoo, it makes no sense to me that she isn't renting it out. She can easily make the HOA fees and the property taxes on it, plus some, in a season. It does need a new air conditioner, cleaning and de-weatherization (is that even a word?) at the beginning of each season, someone to clean after each renter, and someone to weatherize at the end of the season. According to her, she does not have to go through the park to rent it. Soooooo. . .my question is. . .can't we use a property management company from the area? Surely she is not the first person to ever do this, right? How much do they normally take as a cut in that area and what services do they provide as standard. Normally around here it can be anywhere between 10-20% depending on the services they provide. Also, what are the tax implications? Does she need to consult her tax attorney if she decides to do this?

TIA! Please be kind. I'm not an idiot, but I don't have any experience with this kind of thing. It just doesn't make any sense to me that she isn't using this asset for income and instead making it a liability. However, at her age, if it is too much work than it truly will be a liability. I'm just looking for a way to put this on auto pilot and at least break even. In three more years my brother will be old enough to own and can take it over. We would like to keep the property in the family.

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g: 0 Posted By: ctgolfer
Views: 108 Replies: 0 $499.99 after $100 mail-in rebate

Display
Display Class55"
Diagonal Size54.64"
Display TypeLED
Contrast Ratio2,000,000:1
Resolution1920 x 1080
Screen Refresh Rate120Hz
Condition
ConditionRefurbished
Features
FeaturesUSB
HDMI
Wi-Fi
Smart TV
Terminals
InputsUSB
HDMI
HDMI Ports4

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g: 1 Posted By: ctgolfer
Views: 113 Replies: 0 The DieHard 10 amp charger is hard-wired with copper wound transformers to prolong life span, so you can rely on it for your vehicle for years to come. In addition, the charger is housed in a heavy-duty propylene case, resistant to rust and shock, to keep your product in tip-top shape. For your safety, the charger has spark-proof protection, and is enhanced with silicon diodes for optimum performance. Built to last, this no-nonsense charger will have you up and running in no time.

The DieHard automotive battery charger is UL listed, meaning it has been manufactured with safety in mind, ensuring your protection against chemical and electrical malfunction.
You won't hook up battery leads backwards thanks to the reverse hookup protection mechanism.
Weighing only 10 pounds, this charger is portable and easy to handle.
This item comes with a 3-year warranty.

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Oakley Fairhaven Jacket - Men's $189 FS Backcountry
Added on : Thursday May 15th 2014 05:00:09 AM
g: 0 Posted By: tedhawkins
Views: 120 Replies: 0 Oakley Fairhaven Jacket - Men's $189 FS Backcountry

http://www.backcountry.com/oakley-fairhaven-jacket-mens



Your season is looking up now that you've got your hands on the Oakley Men's Fairhaven Jacket, with Gore-Tex weather protection and Oakley's BioZone down insulation. You're stoked, because BioZone means the down is distributed where you need it most and lined with downproof fabric so no feathers will be poking you. Taffeta, mesh, and stretch woven fabrics are placed where it makes most sense for exceptional allover comfort. And then of course the fully taped Gore-Tex exterior, fully adjustable hood with breathable collar, powder skirt, and laser-cut water-resistant zippers prevent the cold and wet from ruining your full-on ripping days.

A loose fit and stretch zones let you move about freely, key when making that grab. Strategic venting lets you cool down on a hike or when the weather warms. This all-equipped jacket even has a Microclear goggle wipe for when you yard-sale.

Nylon with Gore-Tex Performance laminate
BioZone 650-fill down insulation
Fully taped seams
Loose fit
Inner storm flap
Strategic venting
Snap storm skirt connection with Lycra
H2O laser-cut zippers
OOR hood and cuffs
Breathable collar 2
Wrist gaiters
HDO Microclear goggle wipe
Chest, elastic accessories, and two hand pockets


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Staples Gift Cards - Lost/Stolen Saga
Added on : Thursday May 15th 2014 12:00:04 AM
g: 0 Posted By: vishalj77
Views: 51 Replies: 0 I ordered 2 Staples Gift cards (2 separate orders) from Staples.com almost a month ago, and since I had just moved, I had the cards shipped to a nearby Staples store. For security reasons I assumed it would be better to have them shipped there, and I could just go and pick them up.

I received an email stating that my cards were shipped, with the USPS tracking #. When the tracking # showed as 'delivered' I went to the store and spoke to an assistant manager, who told me to come back after 2 days as the manager had the key to the locked mailbox, and she wasn't in at the time.

I come back 3 days later, and the assistant manager gives me one envelope (which was opened) This contained one order, and nothing else. I asked her about the second order, she replied that this was the only one they found. She asked me to wait while she went in the back and called corporate.When she came out she told me that corporate would ship out a new replacement order via UPS (instead of USPS) and it would be there in 3 business days.

I go back to the store after 5 days, and this time she tells me that they haven't received anything. At this point, I was becoming a bit frustrated and suspicious (because the tracking #s clearly showed that both orders were delivered, and it made no sense as to why one would be delivered and the other wouldn't) so just to cover myself, I recorded the entire conversation on my phone.

She gave me an incorrect phone # for the Staples call center, so (unbelievably) I had to go back to the store and get the correct #. I also emailed Staples customer support, and a representative emailed me back stating that she spoke to the assistant manager *and* the manager of the store, and they said that I had picked up both orders! She also said that they don't ship out 'missing' gift cards and there are no refunds. I've left a voicemail, but so far no one has called me back.

I'm pretty pi$$ed off by now, I've visited the store 4-5 times (each time spending over 20 minutes waiting and waiting) and this is what I have on my phone:

A recording of the manager and a easy tech staff member assuring me that the missing order would be shipped out to me
(next recording) A recording of the assistant manager confirming that I only received one order, and that she did call corporate and was told that they were shipping out a replacement order. Nothing showed up, and there was nothing she could do and that I had to call corporate.

I don't know if someone's lying here, or this is just a big mess - I'm leaning towards the former. At any rate, it should be easy for Staples to find out who redeemed the gift cards, correct? If redeemed online, they can lookup the address to whatever the items were shipped to, and if in store - they can have video surveillance. Any ideas on what to do next?
Question Deals
BACK AGAIN: Newton Men's Running Distance S Shoes - $49.99 @ 6PM
Added on : Wednesday May 14th 2014 12:00:07 PM
g: 0 Posted By: hellokitty27
Views: 229 Replies: 0 6PM has the Newton Men's Running Distance S Shoesfor $49.99 w/ free shipping.

Price now $10 lower than 2 weeks ago.

Highly breathable, fast-drying, open mesh upper offers a glove-like fit.
Minimal synthetic overlays are anatomically placed for light structural support.
Metatarsal stretch panels.
Slip-proof laces with double eyelets that help lock down the heel.
Plush tongue and collar for added comfort.
Fabric lining supplies a soft step-in feel.
ETC antifriction, antimicrobial sockliner promotes a great in-shoe environment.
Accommodates most orthotics.
Forefoot Action/Reaction Technology: A highly responsive, trampoline-like and engaging midsole cushioning that protects and loses less energy with each step.
High-rebound EVA.
Biomechanical Sensor Plate allows the foot to sense the ground promoting a lighter, more efficient stride.
Universal posting for added stability.
Heel/ Forefoot Differential: 2mm.
Met-flex for enhanced forefoot flexibility.
High-density rubber outsole material at the mid-foot.
Lightweight EVA at the heel.

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g: 0 Posted By: remick
Views: 116 Replies: 0 http://www.amazon.com/Strong-Anywhere-Definitive-Bodyweight-Stre...

The largest collection of bodyweight strength training exercises ever published.

A middle finger to everything that is wrong with the fitness industry today, Strong Anywhere unapologetically marches to the beat of a different drum, with a no nonsense yet uncommon approach to building a brutally strong body, containing the most effective underground core strength techniques that exist.
Strong Anywhere is a progressive approach to bodyweight strength training, Simon Boulter has put together material that will help any man or woman build strength, power and athletic ability anywhere, any place, any time.

You wont have to pay expensive gym membership fees, you wont have to queue up and wait for gym equipment, youll also have the convenience of training at home or exercising outdoors in the fresh air and sunshine. You wont need to travel to the gym, deal with parking or have any bulky equipment taking up space at home.

You can train anywhere at any time, as your body is with you everywhere you go and it is the ultimate gym.

The methods in this book can be implemented in your back yard, in your living room, bedroom, in a hotel room on vacation, literally anywhere.

This is how nature intended you to train, you dont need a gym, weights or fancy equipment, you have everything you need right now. The world is your gym, and your body is your membership card. You can get strong anywhere and this book will show you how.
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Fisher-Price Rainforest Jumperoo $68 at amazon
Added on : Saturday May 10th 2014 09:00:10 PM
g: 0 Posted By: myonlyday
Views: 148 Replies: 0 Amazon.com has the Fisher-Price Rainforest Jumperoo for $68.39 now. This is the lowest price I saw.

Linky.

Jumperoo's comfortable rotating seat provides a safe place for baby to play
Moving, spinning and jumping in a baby jumper enhances large motor skills
Baby jumper's colorful Rainforest toys and fun music stimulate your child's visual and auditory senses
No doorway required with this baby jumper

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Hisense 55K610GW 55" Class Smart LED HDTV - $499.99*
Added on : Saturday May 10th 2014 09:00:07 AM
g: 0 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/gp/product/B00FL2CPVY

Men are understanding that prostate prevention is the best way of not becoming one of those statistics. Why? Because prevention works once you understand prostate cancer causes and eliminate those factors from your daily diet.
Unfortunately, too much conflicting health information and too many diet recommendations may not serve you well in the end. Stop red meat and dairy? Eat soy instead or not? Margarine better than butter? Low fat diet best? How in the world to make sense of such eminent claims and "scientific" studies?
Ronald M. Bazar, author of the groundbreaking book Healthy Prostate: The Extensive Guide to Prevent and Heal Prostate Problems Including Prostate Cancer, BPH Enlarged Prostate and Prostatitis, wrote this new book to cut through the diet maze and steer you in the right direction. His thesis is that no one diet is perfect for everyone because we are all so unique.
He addresses the causes of prostate disease and prostate cancer in particular so you can easily understand what to avoid and what to do instead. He shows you how to achieve real prostate health without all the exaggerated claims by the supplement pushers.
Your prostate gland is remarkable! Among its many functions, it filters out toxins from your ejaculate. That means the worse you eat, the more toxins that will affect your prostate and the earlier your prostate can show signs of poor health, including prostate cancer. If you change your habits and remove the causes as soon as possible, your prostateand your sex lifewill have a better chance.
The Prostate Cancer Prevention Diet clearly lays out the path for men who want to prevent prostate conditions and/or who want to take watchful waiting up a few notches. He examines all the pros and cons of different diets with insights to help you determine which foods are best for you in order to have a healthy prostate.
But why wait until your prostate function is compromised to learn what foods you shouldnt eat? Prostate prevention is your best protection from prostate cancer.
Ronald M. Bazar, a Harvard MBA, walked away from emergency prostate surgery twice to use natural methods to heal his prostate instead. A decade of research and tens of thousands of dollars of self-experimentation are what have made him an expert in men's natural health in general and prostate health in particular.
Books & Magazines Deals
g: 5 Posted By: remick
Views: 882 Replies: 1 http://www.amazon.com/gp/product/B00AQTTLVE

4.5 out of 5 stars (109 customer reviews)

This book and video course is all that you will ever need for learning guitar chords, scales, arpeggios, and basic guitar theory! Damon Ferrante, virtuoso guitarist and music professor, guides you through 240 step-by-step lessons and 32 streaming video lessons that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 32 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales and arpeggios, Jam Tracks, and developing good practice goals.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys or chords, like A, E, G and C?

3. Do you use the same scale, lick and chord ideas over and over again?

4. Would you like to expand your playing to any position on guitar
fretboard and enhance your songs and solos with new and exciting musical ideas?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Ultimate Guitar Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about chords, scales, arpeggios, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.

The Ultimate Guitar Chords, Scales & Arpeggios Handbook is a 275-Page Book and Streaming Video Course for learning scales, chords, arpeggios, music theory, and fretboard theory. The book is organized in a 240-lesson format that takes you step by step through the essential elements of guitar playing. Each lesson builds on the next and the book is designed for beginners through advanced / virtuoso guitarists.



also free

Rhythm Guitar Lessons for Beginners
http://www.amazon.com/Rhythm-Guitar-Lessons-Beginners-Progressiv...

Guitar Arpeggio Handbook, 2nd Edition: 120-Lesson, Step-By-Step Guide to Guitar Arpeggios, Music Theory, and Technique-Building Exercises, Beginner to Advanced Levels
http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...

JAZZ GUITAR ARPEGGIO SOLOING
http://www.amazon.com/gp/product/B009P6TVE6/
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g: 5 Posted By: remick
Views: 688 Replies: 1 http://www.amazon.com/gp/product/B00AQTTLVE

4.5 out of 5 stars (109 customer reviews)

This book and video course is all that you will ever need for learning guitar chords, scales, arpeggios, and basic guitar theory! Damon Ferrante, virtuoso guitarist and music professor, guides you through 240 step-by-step lessons and 32 streaming video lessons that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 32 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales and arpeggios, Jam Tracks, and developing good practice goals.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys or chords, like A, E, G and C?

3. Do you use the same scale, lick and chord ideas over and over again?

4. Would you like to expand your playing to any position on guitar
fretboard and enhance your songs and solos with new and exciting musical ideas?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Ultimate Guitar Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about chords, scales, arpeggios, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.

The Ultimate Guitar Chords, Scales & Arpeggios Handbook is a 275-Page Book and Streaming Video Course for learning scales, chords, arpeggios, music theory, and fretboard theory. The book is organized in a 240-lesson format that takes you step by step through the essential elements of guitar playing. Each lesson builds on the next and the book is designed for beginners through advanced / virtuoso guitarists.



also free

Rhythm Guitar Lessons for Beginners
http://www.amazon.com/Rhythm-Guitar-Lessons-Beginners-Progressiv...

Guitar Arpeggio Handbook, 2nd Edition: 120-Lesson, Step-By-Step Guide to Guitar Arpeggios, Music Theory, and Technique-Building Exercises, Beginner to Advanced Levels
http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...

JAZZ GUITAR ARPEGGIO SOLOING
http://www.amazon.com/gp/product/B009P6TVE6/
Books Deals

Amazon Coupons
g: 2 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/gp/product/B00AQTTLVE

4.5 out of 5 stars (109 customer reviews)

This book and video course is all that you will ever need for learning guitar chords, scales, arpeggios, and basic guitar theory! Damon Ferrante, virtuoso guitarist and music professor, guides you through 240 step-by-step lessons and 32 streaming video lessons that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 32 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales and arpeggios, Jam Tracks, and developing good practice goals.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys or chords, like A, E, G and C?

3. Do you use the same scale, lick and chord ideas over and over again?

4. Would you like to expand your playing to any position on guitar
fretboard and enhance your songs and solos with new and exciting musical ideas?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Ultimate Guitar Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about chords, scales, arpeggios, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.

The Ultimate Guitar Chords, Scales & Arpeggios Handbook is a 275-Page Book and Streaming Video Course for learning scales, chords, arpeggios, music theory, and fretboard theory. The book is organized in a 240-lesson format that takes you step by step through the essential elements of guitar playing. Each lesson builds on the next and the book is designed for beginners through advanced / virtuoso guitarists.



also free

Rhythm Guitar Lessons for Beginners
http://www.amazon.com/Rhythm-Guitar-Lessons-Beginners-Progressiv...

Guitar Arpeggio Handbook, 2nd Edition: 120-Lesson, Step-By-Step Guide to Guitar Arpeggios, Music Theory, and Technique-Building Exercises, Beginner to Advanced Levels
http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...
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g: -1 Posted By: Xenocrates
Views: 81 Replies: 0 Galaxy Gear Smart Watch(6 colors) (SM-VZ7000ZKAXAR) $149.99 FS @ Best Buy

Hands-Free Calls
S Voice:Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more!
Auto Lock/Unlock:Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location
Built-In Pedometer
H: 1.5" x W: 2.2" x D 0.4"
1 Year Warranty

This has 4.4 / 5 stars with 452 customer review on the product page

The next best price from a reputable merchant is $187.99 @ Rakuten (seller: Blutekusa)
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g: 1 Posted By: remick
Views: 89 Replies: 0 http://www.amazon.com/gp/product/B00K5I3L0S

*Includes pictures.
*Includes the stars' own quotes about their lives and careers.
*Includes suggested playlists and analyses of their music.
*Includes bibliographies for further reading.
*Includes a table of contents.

It is rare in the world of music for a general consensus to form over who was the best at anything. Many would call The Beatles the greatest rock band, but its easy to find strongly opinionated dissenters. However, when it came to playing a guitar and laying the soundtrack for the psychedelic era, just about everyone agrees there was Jimi Hendrix (1942-1970) and then there was everyone else. Anyone arguing otherwise either never heard his music or saw him perform.

In fact, Jimi Hendrix is one of the few musicians known primarily for his sound and what he could do with a guitar than for his discography. A part of that is due to his untimely death and entry into the 27 Club, but it is also due to the fact that he was so revolutionary with the use of an electric guitar and so skilled at playing it that the effects have largely not been duplicated since. It was heavy, loud, and completely raw, and yet he was a pioneer in genres as varied as blues and heavy metal. As Pete Townshend famously put it, With Jimi, I didn't have any envy. I never had any sense that I could ever come close.

The life and career of Janis Joplin marks such a stark departure from the blues, rock and soul traditions as American society has come to know them that her brief and tempestuous career defies artistic analysis, if only because there is so little precedent aside from the great African-American blues and jazz singers that influenced her. For a woman born in 1943 and coming into her professional prime in the 1960s, Joplin stood as a mesmerizing and baffling foil to the female tradition in non-classical music, which had previously been symbolized by pure, mellow voices singing thoughtful texts. The American music scene was entirely unprepared to witness the emergence of a white woman who could sing the blues with such authenticity, force, and depth of feeling.

Of course, for all the mention of Joplins career, there is nearly as much focus on her untimely death at the age of 27, particularly because she died just a few weeks after Jimi Hendrixs death at the age of 27 and was followed in death by Jim Morrison at the age of 27 less than a year later. Those three all died as a result of alcohol and drug abuse, and they formed the starting point for the legendary 27 Club, which memorializes rock stars who died at the age of 27. Morrison, the charismatic poet/musician of The Doors, helped to transform the subgenre of rock n roll as a stylistic flavor into the full-fledged institution of Rock Music, and he accomplished all of this by being extreme, in every sense of the word. His poetry was assaultive, blatant and graphic, a sign of the times, and his voice was mystical and haunting, lacking any sense of what was previously or typically considered vocal beauty. Whether intentional or not, Morrison also led the charge of excessive defiance toward anything hierarchical or rule-laden, and the acting out of his subconscious urges on public stages around the world amazed and shocked everyone who saw or heard about it.

Kurt Cobain later noted that he tried to model his most famous song after one The Pixies might have done, but Smells Like Teen Spirit and its accompanying music video ushered in rocks grunge movement at the start of the 1990s, and the song, ironically named after a deodorant, captured the culture in its entirety. A reaction to the likes of the previous decades yuppies and acts like M.C. Hammer, grunge became a sound and culture for angst-ridden teens and the disaffected youth who were proud to be plain. Whether Cobain intended for it or not, grunge became the most popular music of the decade, and the look and sound both became trendy fads, even as he personally struggled with the lifestyle.
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g: 0 Posted By: ctgolfer
Views: 117 Replies: 0 Effectively removes 98% of dirt, pet hair, allergens, dust, and debris from carpets and hard floors
Opposite rotating Bristle Brush and Beater Brush work together like a broom and dustpan
Sturdy Bristle Brush cleans deep into carpet fibers to grab and remove dirt, debris, pet hair and other dirt
Powerful vacuum sucks small and large debris into the large, bag-less bin
Fine filter traps tiny particles such as dust and pollen
Cleans the entire floor surface, under and around furniture, along wall edges and into corners
Automatically detects dirtier areas and spends more time cleaning them
Spot Clean technology provides quick clean-up of concentrated messes and spills
Automatically senses and avoids stairs and other drop-offs
Easy operation - simply press the Clean button and Roomba does the rest
Automatically and effortlessly returns to self-charging Home Base to dock and recharge between cleanings
Each Virtual Wall confines Roomba to one room until the entire floor is vacuumed
On-board scheduling - preset up to seven cleaning times per week for Roomba to clean when it's convenient for you
Faster counter-rotating brushes with improved design pick up more debris, dust, and hair and are easy to remove and clean with the brush cleaning tool
Improved filter captures more dust and allergens while a larger bin holds more debris
Improved anti-tangle technology keeps Roomba from getting hung up on cords, carpet fringe, and tassels
Improved side brush makes Roomba even better at cleaning edges and corners
Dimensions: 13.4 diameter x 3.6 height
Weight: 8.3 pounds
Includes irobot Roomba 560 Vacuum Cleaning Robot, Auto Virtual Walls (requires 2 C batteries each, not included), Compact, Self-charging Home Base, Battery Charger (3 hour charge time), Rechargeable Battery, Brush Cleaning Tool, Extra Filter and Owners Manual
Brand: irobot
Model: irobot-560
Condition: Factory Refurbished
Warranty: 90 Day

http://1sale.com/electronics/other/irobot-roomba/
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g: 0 Posted By: ctgolfer
Views: 135 Replies: 0 Craftsman AssureLink Internet Connected DC Chain Drive Garage Door Opener - No Annual Fees, Free App Download

The Craftsman AssureLink Garage Door Opener brings mobile communication to one of the main entrances of your home. Are you away and cant remember if the garage door is open or closed? Ever accidentally leave the garage door open? Now you can monitor and operate your garage door from anywhere. Using the Craftsman AssureLink* mobile app on your smartphone, tablet or portable computing device, you can control your garage door via the Internet and get better peace of mind.

The Internet Connected Garage Door Opener is designed for the 21st century homeowner. Best of all, you don't need to add more devices to your growing collection. It's compatible with many already existing technologies, like MyQ home activation products or in-vehicle HomeLink remote control systems. Most importantly, this garage door opener is bundled with several security and safety features. The PosiLock theft protection system securely locks the garage door to prevent intruders from entering. And the Protector System sensing technology will stop the door from closing if contact is made with a person or object.
Features

DC Motor with Soft Start-Stop
Provides smooth, ultra quiet operation of the opener. Ideal for garages with living areas nearby.
Chain Drive
The chain is rugged and industrial-strength to insure years of dependable performance.

Craftsman AssureLink Internet Gateway
Allows you to monitor and operate your garage door from anywhere with your internet-enabled smartphone, cell phone, laptop, or tablet via the free Craftsman AssureLink mobile app or web-interface.
Perfect for those times when you are away from home and cant remember if you have closed your garage door.
Allows you to provide access to your home (via garage door) as needed for family, friends, deliveries, etc. when you arent at home.

Premium Motion Detecting Wall Console
Operates the opener from inside the garage
Allows for easy programming of remotes, keypads, and light and lock settings through buttons on the control panel
Turns on the opener lights when movement is sensed

Timer-to-Close
This feature (built into the wall console) may be quickly programmed to automatically close the garage door after 1, 5, or 10 minutes.

Alert-to-Close
Ensures the highest level of safety, the garage door opener lights will flash and a warning alarm will sound when closing the door through the AssureLink Gateway or the Timer-to-Close feature alerting anyone in the area is notified that the door is closing.

Tri-Frequency Radio System
Multiple frequency system virtually eliminates the effects of interference caused by products in and around the home, helping to make sure you can access the garage every time and from the greatest distance.

Energy Efficient
Automatic sleep mode uses less than one (1) watt of power when the opener is not in use making the unit more environmentally friendly.

Automatic Force Settings
The opener automatically monitors, sets and adjusts (as needed) the force required to open and close the garage door during temperature fluctuations.

Push Button Electronic Limits
Easier than old-style screw terminals for setting the optimal open or close travel distance of your garage door.

MyQ Technology Compatible
This unit is compatible with other home activation products enabled with MyQ technology.

HomeLink Compatible
Compatible with the in-vehicle remote control system (may require an external adapter depending on the make, model, and year of your vehicle; visit www.homelink.comfor additional information)

Quick Install Rail System
Provides faster and easier installation. The rail assembles in 60 seconds.

Protector System
Safety reversing sensors with Rapid-Snap brackets project an invisible light beam across the garage door opening and automatically reverses the door if anything interrupts the beam while the door is going down.
Sensing technology will stop the door from closing if contact is made with a person or object

PosiLock System
Theft protection system securely locks door when it is down preventing intruders from entering garage
Anti-burglary Coding Technology
Assures that a new code is sent every time the remote control is used

Included in the box:

Power unit, wall console, safety sensors, rail, hardware, owners manual
Two (2) 3-function remotes, perfect for multi-car families
One (1) Wireless keyless entry pad, allows entry into garage without a key or remote using a secure 4-digit programmable PIN. Includes the convenient one button to close feature.
AssureLink Gateway

www.sears.com/shc/s/p_10153_12605_00930437000P
Home & Garden Deals

Sears Coupons
g: 0 Posted By: ctgolfer
Views: 110 Replies: 0 A soft and flowing set of strapless dresses. The hi-lo ruffle hem adds a cute sense of style, with the accented design providing extra flare. Available in sizes small, medium, large and extra large.

Sizing:

S fits sizes 2-4 bust: 36", waist: 32", length: 54"
M fits sizes 2-6, bust: 38", waist: 34", length: 54"
L fits sizes 6-10, bust: 40", waist: 36", length: 54"
XL fits sizes 10-12, bust: 42", waist: 38", length: 54"

4-pack of super-cute printed dresses in one of each color shown in image
Strapless design with ruffle accent
Hi-lo ruffle hem
Gathered elastic waist
Available in sizes S-XL
Brand New
30 Day Warranty

www.tanga.com/deals/3307e7db5794
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g: 0 Posted By: remick
Views: 4 Replies: 0 http://www.amazon.com/gp/product/B00AH4MBSI

4.9 out of 5 stars (16 customer reviews)

Whether you love to cook or would rather starve than spend time in a kitchen, Darn Good Eats: The Cookbook for Creative Chefs and Reluctant Cooks is for you!

Reluctant Cook and author Jodi Ambrose teamed up with her Creative Chef husband, Grant, to bring you a cookbook with an unusual twist. Darn Good Eats provides scrumptious recipes for both the kitchen aficionado and the bumbling cook. Pooling together all of their combined kitchen savvy, they've created a cookbook that applies to anyone and everyone.

Along with a list of must-have items for your kitchen, helpful measurement conversions, delightful personal anecdotes and a witty sense of humor, this cookbook delivers over 70 delectable and inspired recipes for both the kitchen novice and cooking expert. You no longer have to be a good cook to make great food.

So that it's easy to navigate, the cookbook is split into two parts. The first part is for Creative Chefs who love, or at least like, to cook. It contains tantalizing recipes which range from simple to challenging and are bound to be crowd-pleasers. The second part is for people who prefer eating over cooking and find the kitchen to be more of a chore than a delight. The Reluctant Cook will now have a wonderful array of options for making "homemade" meals that (shhh...don't tell) in some cases are far from homemade, but are still mouthwateringly delicious.

Whether you love or hate the kitchen, Darn Good Eats: The Cookbook for Creative Chefs and Reluctant Cooks has plenty of tasty recipes to please even the most discerning palate. We know that you'll enjoy both the food and fun contained within this cookbook and we wish for you many happy and delicious meals.
Books & Magazines Deals
Car totaled, not at fault - how to make sure I don't get screwed?
Added on : Thursday May 01st 2014 03:00:07 PM
g: 0 Posted By: T800
Views: 174 Replies: 6 My wife was in an accident today and the car will probably be totaled. Just looking for pointers or advice here so we don't get screwed by our insurance company or the other driver. The car is a 2012 Prius with full coverage through Progressive.

She was traveling on the interstate, there was a highway truck with 2 workers working on the left shoulder well out of the lanes of traffic. SUV ahead of her started drifting straight into the truck on the shoulder. Ended up hitting the truck on the right rear corner which rotated the SUV right into the traffic lane, then the Prius hit into the drivers side of the SUV and both driver's upper and lower airbags deployed. After hitting the SUV the wife's car slid across traffic lanes and ended up on the right shoulder. My wife is pregnant and was taken by ambulance to the ER to be checked out. No apparent spinal issues and baby seems fine via ultrasound. She has another appointment with her regular doctor tomorrow. The SUV didn't fare so well hitting the larger stationary truck, I heard both of her legs are broken and she was undergoing surgery and this makes sense as the SUV crushed pretty far into the driver's seat area.

We did not get the other driver's info and do not know if they are insured. The police probably have all of this info and I have a case number for their filing. The police told me she would probably be found at fault as it's clear she drove off the road into the construction truck causing the accident. They also said she has a revoked license and has a history of seizures.

I filed a claim with Progressive and they will have an adjuster contact me tomorrow. What should I do to make sure we are made whole with regards to medical bills and car replacement? Appreciate any input, sorry if this is a basic question but I have never been in this situation before.
Question Deals
g: 5 Posted By: remick
Views: 447 Replies: 0 http://www.amazon.com/dp/B00B0O6KW2

4.7 out of 5 stars (35 customer reviews)

In this digitally dependent world, we are surrounded by buzzwords and acronyms. In Dont Throw IT ~ Get To Know IT you will learn to tear down the walls and make sense out of it all and understand the answers to some of your most common questions:


How Can I Protect My Computer? Unfortunately, malicious software is a reality today. Learn what all those terms mean and how you can protect yourself.

Why Is My Computer So Slow? This is the most common complaint heard when dealing with technology. Learn how to address this yourself simply and safely.

How Can I Surf The Web Safely? It is hard to imagine life before the Internet. Learn how to do so safely and securely for you and your family.

What Do All These Terms Mean? Ever notice how the local computer nerd speaks a language all their own? Read on to remove the mystery of these terms with simple, easy to understand descriptions.

How Do I Set Up Wireless At Home? Wireless networking has become as common as the cold. Learn the proper way to configure and secure your wireless network.


Dont Throw IT ~ Get To Know IT is designed to teach the normal user how to use their computers safely and securely, Using analogies and light humor the author will guide you through the common issues faced daily when dealing with that silicon monster on the desk before them.

By pointing out the many free utilities and services out there, you can gain control over your technology in ways many only thought available to large corporations or those speaking advanced nerd. Using your computer safely and securely should not have to cost you the proverbial arm and leg. For example, did you know you could have superb antivirus control without paying a cent? How about Internet monitoring to keep malicious sites from displaying on you or your childrens computers or tablets? Even that can be yours free.

While designed with the computer novice in mind, even the computer geeks in the audience can learn from the items presented. While the material is geared toward the Windows user, Apple fans will find the information extremely valuable, as the principles and practices discussed affect all users of all operating systems.

Technology should be a tool and not a task.




The 2014 Guide To Free PC Software: Over 150 Superb Programs That Won't Cost You A Single Penny!
http://www.amazon.com/gp/product/B00HM9B7C2

4.7 out of 5 stars (27 customer reviews)

http://www.amazon.com/gp/product/B00HM9B7C2
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g: 3 Posted By: remick
Views: 294 Replies: 0 http://www.amazon.com/dp/B00B0O6KW2

4.7 out of 5 stars (35 customer reviews)

In this digitally dependent world, we are surrounded by buzzwords and acronyms. In Dont Throw IT ~ Get To Know IT you will learn to tear down the walls and make sense out of it all and understand the answers to some of your most common questions:


How Can I Protect My Computer? Unfortunately, malicious software is a reality today. Learn what all those terms mean and how you can protect yourself.

Why Is My Computer So Slow? This is the most common complaint heard when dealing with technology. Learn how to address this yourself simply and safely.

How Can I Surf The Web Safely? It is hard to imagine life before the Internet. Learn how to do so safely and securely for you and your family.

What Do All These Terms Mean? Ever notice how the local computer nerd speaks a language all their own? Read on to remove the mystery of these terms with simple, easy to understand descriptions.

How Do I Set Up Wireless At Home? Wireless networking has become as common as the cold. Learn the proper way to configure and secure your wireless network.


Dont Throw IT ~ Get To Know IT is designed to teach the normal user how to use their computers safely and securely, Using analogies and light humor the author will guide you through the common issues faced daily when dealing with that silicon monster on the desk before them.

By pointing out the many free utilities and services out there, you can gain control over your technology in ways many only thought available to large corporations or those speaking advanced nerd. Using your computer safely and securely should not have to cost you the proverbial arm and leg. For example, did you know you could have superb antivirus control without paying a cent? How about Internet monitoring to keep malicious sites from displaying on you or your childrens computers or tablets? Even that can be yours free.

While designed with the computer novice in mind, even the computer geeks in the audience can learn from the items presented. While the material is geared toward the Windows user, Apple fans will find the information extremely valuable, as the principles and practices discussed affect all users of all operating systems.

Technology should be a tool and not a task.




The 2014 Guide To Free PC Software: Over 150 Superb Programs That Won't Cost You A Single Penny!
http://www.amazon.com/gp/product/B00HM9B7C2

4.7 out of 5 stars (27 customer reviews)

http://www.amazon.com/gp/product/B00HM9B7C2
Totally Free Deals
g: 1 Posted By: remick
Views: 91 Replies: 0 http://www.amazon.com/dp/B00B0O6KW2

4.7 out of 5 stars (35 customer reviews)

In this digitally dependent world, we are surrounded by buzzwords and acronyms. In Dont Throw IT ~ Get To Know IT you will learn to tear down the walls and make sense out of it all and understand the answers to some of your most common questions:


How Can I Protect My Computer? Unfortunately, malicious software is a reality today. Learn what all those terms mean and how you can protect yourself.

Why Is My Computer So Slow? This is the most common complaint heard when dealing with technology. Learn how to address this yourself simply and safely.

How Can I Surf The Web Safely? It is hard to imagine life before the Internet. Learn how to do so safely and securely for you and your family.

What Do All These Terms Mean? Ever notice how the local computer nerd speaks a language all their own? Read on to remove the mystery of these terms with simple, easy to understand descriptions.

How Do I Set Up Wireless At Home? Wireless networking has become as common as the cold. Learn the proper way to configure and secure your wireless network.


Dont Throw IT ~ Get To Know IT is designed to teach the normal user how to use their computers safely and securely, Using analogies and light humor the author will guide you through the common issues faced daily when dealing with that silicon monster on the desk before them.

By pointing out the many free utilities and services out there, you can gain control over your technology in ways many only thought available to large corporations or those speaking advanced nerd. Using your computer safely and securely should not have to cost you the proverbial arm and leg. For example, did you know you could have superb antivirus control without paying a cent? How about Internet monitoring to keep malicious sites from displaying on you or your childrens computers or tablets? Even that can be yours free.

While designed with the computer novice in mind, even the computer geeks in the audience can learn from the items presented. While the material is geared toward the Windows user, Apple fans will find the information extremely valuable, as the principles and practices discussed affect all users of all operating systems.

Technology should be a tool and not a task.
Totally Free Deals
g: 1 Posted By: remick
Views: 53 Replies: 0 http://www.amazon.com/gp/product/B0099ZB164

Live to eat? Travel to eat? Here you'll find a collection of the most memorable street food experiences possible, complete with recipes to make sure if you can't go to eat, you can at least get a taste at home! From classic hotdogs to exotic pastries, this gastronomic tour of the world will leave all your sense satisfied.
Inside World's Greatest Street Food:

100 authentic recipes from all around the world
Brilliant images throughout
In-depth background of each dish, how it came about and what it's like to eat
Savoury and Sweet sections
Up-to-date recommended points-of-interest - covering eating, sleeping, going out, shopping, activities and attractions
Special eBook enhancements

Interlinking enables you to seamlessly flip between pages
Search - go straight to what you are looking for with the inbuilt search capability
Bookmark - use bookmarks to quickly return to a page
Dictionary - look up the meaning of any word
Pinch and zoom images and text
Written and researched by Lonely Planet
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Pledged Asset Loan, Margin financing, mortgage
Added on : Sunday April 27th 2014 12:00:07 PM
g: 0 Posted By: ronb1
Views: 28 Replies: 0 I've seen some older threads on some of these issues but figured it was worth checking out what people's latest thinking might be for some of this.

Basic scenario is I'm considering either a major home renovation (i.e. teardown and rebuild) or a new purchase. For the sake of simplicity, let's just say that either scenario will cost me $1million.

I'm considering some alternatives to traditional mortgage for a few reasons:

1) Ihave a short sale on my credit history, which makes current mortgages harder to acquire and the rates higher.
2)I've got several million in securities that I can leverage if it makes sense.
3) Many of those securities would be subject to significant capital gains if I were to sell them, so I'd rather leverage the money instead of pay cash and take the tax hit.

Given these parameters, I'm considering a couple of options - Either a Pledged Asset Loan from Schwab, or else just borrowing on margin against my securities. Pledged Asset Loan (PAL) from schwab has a reasonably attractive rate for a $1M loan - 2.4% - but if I'm looking at just borrowing on margin against my securities at interactivebrokers.com (assuming I transfer assets over there) it would be at an even more enticing rate of 1.15% (https://www.interactivebrokers.com/en/index.php?f=interest&p=sch...

I'm aware that major market downturn could force a margin call but unless it's incredibly drastic I can probably cover it. PAL rates are tied to LIBOR so they could go up over time but it's reasonable to assume that I could refinance to a more traditional loan if I needed to, particularly once my credit score improves in another year or two.

Anybody have thoughts about which of the two scenarios make more sense? Or if I'm totally smokin' crack about doing this sort of stuff?

thanks!
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[Kindle] Top 100 Free Nonfiction Books from January to April 2014
Added on : Friday April 25th 2014 06:00:06 PM
g: 2 Posted By: neomio
Views: 230 Replies: 1 All the books are extracted from the Free eBooks for Kindle app (available in Google Playor Amazon App Store) for the period from January to April 2014.
All the books are checked to be free at the time of posting.
Please double-check the price before you buy.

1. When God Whispers Loudly (Terreldor Press Shorts)
by Chris M. Hibbard
Rating: 4.4/5 by 2034 reviews
Link: http://www.amazon.com/dp/B006P5CH1O

2. Kindle Buffet: Find and download the best free books, magazines and newspapers for your Kindle, iPhone, iPad or...
by Steve Weber
Rating: 3.9/5 by 946 reviews
Link: http://www.amazon.com/dp/B00916SHVI

3. The Universe Doesn't Give a Flying (Profanity) About You (Epic series)
by Johnny Truant
Rating: 4.2/5 by 448 reviews
Link: http://www.amazon.com/dp/B005OMBTKY

4. Untraceable (#1, Nature of Grace teen thriller series)
by S. R. Johannes
Rating: 4.3/5 by 256 reviews
Link: http://www.amazon.com/dp/B0069Z9A74

5. All My Love, Detrick: A Historical Novel Of Love And Survival During The Holocaust
by Roberta Kagan
Rating: 4.5/5 by 194 reviews
Link: http://www.amazon.com/dp/B007A19V84

6. Mountain Angel (Northstar Angels)
by Suzie O'Connell
Rating: 4.1/5 by 193 reviews
Link: http://www.amazon.com/dp/B0083PN2QI

7. The Mystery of the Missing Money (The Mystery Series, Short Story 1)
by Paul Moxham
Rating: 4.3/5 by 189 reviews
Link: http://www.amazon.com/dp/B0083E6LBM

8. The Daddy Pact ( Coach's Boys)
by Kristy K. James
Rating: 4.3/5 by 185 reviews
Link: http://www.amazon.com/dp/B006G66YTS

9. Sophie's Secret (Whispers)
by Tara West
Rating: 4.6/5 by 176 reviews
Link: http://www.amazon.com/dp/B0068TLK5G

10. Guitar Adventures: A Fun, Informative, and Step-By-Step 60-Lesson Guide to Chords, Beginner & Intermediate Levels...
by Damon Ferrante
Rating: 4.7/5 by 156 reviews
Link: http://www.amazon.com/dp/B0097GFR06

11. Shep Dreams Of Home
by Jason Matthews
Rating: 4.2/5 by 155 reviews
Link: http://www.amazon.com/dp/B0057XVAJU

12. NCLEX-RN Content Review Guide
by Kaplan
Rating: 4.3/5 by 151 reviews
Link: http://www.amazon.com/dp/B00IO4KUB8

13. NCLEX-RN Content Review Guide
by Kaplan
Rating: 4.3/5 by 151 reviews
Link: http://www.amazon.com/dp/B00II994E8

14. Deadliest Cast Member - Disneyland Adventure Series - EPISODE ONE (Jack Duncan) (SEASON ONE)
by Kelly Ryan Johns
Rating: 4.3/5 by 140 reviews
Link: http://www.amazon.com/dp/B00A94DEYG

15. How to Start a Successful Blog in One Hour (Better Blog Booklets)
by Steve Scott
Rating: 4.1/5 by 137 reviews
Link: http://www.amazon.com/dp/B00C2CH3MM

16. They Met At Shiloh (#1 in The Shiloh Series)
by Phillip Bryant
Rating: 3.8/5 by 135 reviews
Link: http://www.amazon.com/dp/B005FCAIDW

17. His First, Her Last: The Incredible True Story of an American Lost in the Philippines
by Jonathan Sturak
Rating: 2.9/5 by 134 reviews
Link: http://www.amazon.com/dp/B00EY8BASK

18. Survival Guide for Beginners
by Vitaly Pedchenko
Rating: 3.7/5 by 115 reviews
Link: http://www.amazon.com/dp/B00ALUMW96

19. 12 Health and Fitness Mistakes You Don't Know You're Making (The Build Muscle, Get Lean, and Stay Healthy Series...
by Michael Matthews
Rating: 4.2/5 by 106 reviews
Link: http://www.amazon.com/dp/B008XPBXXW

20. Blue Fall (The Tournament, #1)
by B. B. Griffith
Rating: 3.9/5 by 105 reviews
Link: http://www.amazon.com/dp/B005NC01OK

21. Skeeter: A Cat Tale
by Anne L. Watson
Rating: 3.8/5 by 99 reviews
Link: http://www.amazon.com/dp/B004I1KRUU

22. Defender: The Sanctuary Series, Volume One
by Robert J. Crane
Rating: 4.2/5 by 85 reviews
Link: http://www.amazon.com/dp/B0057OAXQ0

23. Everyday Vegetarian Family Cookbook: 100 Delicious Meatless Breakfast, Lunch and Dinner Recipes you Can Make in...
by Vesela Tabakova
Rating: 4.1/5 by 83 reviews
Link: http://www.amazon.com/dp/B00G4CEY46

24. 20 Things I've Learned as an Entrepreneur
by Alicia Morga
Rating: 4/5 by 83 reviews
Link: http://www.amazon.com/dp/B007ND93EQ

25. 8 Different Crochet Stitches: Learn to Crochet Something New with Crochet Patterns
by Prime Publishing
Rating: 3.9/5 by 76 reviews
Link: http://www.amazon.com/dp/B00IDC8QBC

26. Maximum Muscle: The No-BS Truth About Building Muscle, Getting Shredded, and Staying Healthy (The Build Muscle...
by Michael Matthews
Rating: 3.7/5 by 76 reviews
Link: http://www.amazon.com/dp/B009ZBY1XM

27. Muscle Meals: 15 Recipes for Building Muscle, Getting Lean, and Staying Healthy (The Build Muscle, Get Lean, and...
by Michael Matthews
Rating: 4.2/5 by 71 reviews
Link: http://www.amazon.com/dp/B009ZKSGXE

28. Number FOUR World Facts (Knowledge Book Series) (Boosting Brain Power) (Age 4-10)(Bedtime & Dreaming)
by TheBrothers
Rating: 3.8/5 by 71 reviews
Link: http://www.amazon.com/dp/B00H3PXQVU

29. Marketing In Less Than 1000 Words (Reactor15 Briefings)
by Rob Burns
Rating: 3.9/5 by 70 reviews
Link: http://www.amazon.com/dp/B008EJOBH2

30. Fit is the New Skinny: The No-BS Truth About Getting Thinner, Leaner, and Stronger (The Build Muscle, Get Lean...
by Michael Matthews
Rating: 3.7/5 by 70 reviews
Link: http://www.amazon.com/dp/B009ZKMKRM

31. Disobey (Epic series)
by Johnny Truant
Rating: 4.2/5 by 66 reviews
Link: http://www.amazon.com/dp/B005OLSNOK

32. Lifehacks: 63 Ways to Save Money, Improve Time Management, Produce Great Work, and Increase Productivity (Guides...
by Scott Britton
Rating: 4.6/5 by 63 reviews
Link: http://www.amazon.com/dp/B00JMGEFPY

33. Contamination Prequel (Post-Apocalyptic Zombie Series)
by T.W. Piperbrook
Rating: 3.8/5 by 61 reviews
Link: http://www.amazon.com/dp/B00ADEJGNK

34. The Action Bible Easter Story (Action Bible Series)
by Doug Mauss
Rating: 4.5/5 by 59 reviews
Link: http://www.amazon.com/dp/B00IK7X4MQ

35. Garden Guide - A No Nonsense, No PhD, No Fuss Guide to Great Gardens with Hand-Holding How To's for Beginners...
by Sarah Olver
Rating: 4.5/5 by 48 reviews
Link: http://www.amazon.com/dp/B00CQSPNLK

36. How to Write a Great Query Letter: Insider Tips and Techniques for Success
by Noah Lukeman
Rating: 4.5/5 by 42 reviews
Link: http://www.amazon.com/dp/B002HRF7WK

37. Hearty Soups: A Collection of Homemade Soups
by Dennis Weaver
Rating: 4.3/5 by 40 reviews
Link: http://www.amazon.com/dp/B00ICS9TTA

38. You are dying, and your world is a lie (Epic series)
by Johnny Truant
Rating: 4.2/5 by 40 reviews
Link: http://www.amazon.com/dp/B007HTV5MY

39. What in the world do I need a Life Coach for??? The reasons why having a life Coach can save your life
by Christopher Pinckley
Rating: 3.8/5 by 38 reviews
Link: http://www.amazon.com/dp/B007B2SFYI

40. Kombucha Simplified: The ultimate guide to kombucha tea, its health benefits, and how to brew at home.
by Deep Cove Publishing
Rating: 3.9/5 by 37 reviews
Link: http://www.amazon.com/dp/B00E36IJ3C

41. The No-BS Guide to Workout Supplements (The Build Muscle, Get Lean, and Stay Healthy Series)
by Michael Matthews
Rating: 3.8/5 by 37 reviews
Link: http://www.amazon.com/dp/B00DYENU38

42. Which Mac Should I Buy?
by Apple Sliced
Rating: 4.3/5 by 36 reviews
Link: http://www.amazon.com/dp/B007EG6SRC

43. Mahatma Gandhi and His Myths: Civil Disobedience, Nonviolence, and Satyagraha in the Real World (Plus Why It's...
by Mark Shepard
Rating: 3.6/5 by 35 reviews
Link: http://www.amazon.com/dp/B001AV3WWG

44. Getting Started with AWS: Deploying a Web Application
by Amazon Web Services
Rating: 3.8/5 by 32 reviews
Link: http://www.amazon.com/dp/B00I5UDMOS

45. Four Seasons of Creative Writing: 1,000 Prompts to Stop Writer's Block
by Bryan Cohen
Rating: 4.2/5 by 31 reviews
Link: http://www.amazon.com/dp/B009GLMF7U

46. What's Done in The Dark: Season 1
by Solae Devhine
Rating: 4.1/5 by 31 reviews
Link: http://www.amazon.com/dp/B004V0CMOW

47. Minecraft Comic Book: Journey to Minecraft (CreeperSlayer12 series, Part 1)
by Minecraft Comics
Rating: 3.6/5 by 30 reviews
Link: http://www.amazon.com/dp/B00ISE0HC6

48. Free Sewing Patterns for Spring Fashion: 8 DIY Sewing Projects
by Prime Publishing
Rating: 3.5/5 by 30 reviews
Link: http://www.amazon.com/dp/B00IPK61IM

49. Minecraft: Lore of HEROBRINE - A Minecraft Novel (The Founding Fathers of Minecraft, Part 1)
by Minecraft Books
Rating: 4.9/5 by 29 reviews
Link: http://www.amazon.com/dp/B00HTQB598

50. How to Remove Negative Beliefs and Free Your Mind
by Nigel Paul Miller
Rating: 4.1/5 by 29 reviews
Link: http://www.amazon.com/dp/B00AK00F1Y

51. Baking in Your Skillet: A Collection of Skillet Recipes
by Dennis Weaver
Rating: 3.5/5 by 28 reviews
Link: http://www.amazon.com/dp/B00ICS9HR4

52. How to Land (and Keep) a Literary Agent
by Noah Lukeman
Rating: 4.3/5 by 27 reviews
Link: http://www.amazon.com/dp/B003Z9JOXC

53. 4 KEYS GOLF - HOW TO BREAK 90 (An Easy Way to Lower Your Scores, Make Every Shot Count & Enjoy Golf More Without...
by Andy Chao
Rating: 4.1/5 by 26 reviews
Link: http://www.amazon.com/dp/B00BZ96KX6

54. Shut the (Profanity) Up and Create Your (Profanity) Art
by Garrett Robinson
Rating: 4.1/5 by 26 reviews
Link: http://www.amazon.com/dp/B00C83JL1G

55. 11 Sewing Room Ideas: How to Organize Your Room
by Prime Publishing
Rating: 3.3/5 by 25 reviews
Link: http://www.amazon.com/dp/B00IDDFFII

56. Knock 'em Dead Secrets & Strategies for First-Time Job Seekers
by Martin Yate
Rating: 4.8/5 by 23 reviews
Link: http://www.amazon.com/dp/B00J08H0OW

57. Self help book: Influence and Lead ! Fundamentals for Personal and Professional Growth (Personal Growth)(The Leadership...
by Michael Nir
Rating: 4.5/5 by 22 reviews
Link: http://www.amazon.com/dp/B00E82614K

58. How To Survive Living Abroad: An Expatriate Guide to Not Getting Robbed, Scammed, Jailed, or Killed (English Teacher...
by English Teacher X
Rating: 3.8/5 by 22 reviews
Link: http://www.amazon.com/dp/B0073W5SJ6

59. How to Write More Words More Easily (Fiction Writing HELP)
by Terrance Field
Rating: 4.8/5 by 21 reviews
Link: http://www.amazon.com/dp/B00HGY92M0

60. Circle of Friends Cookbook - 25 Bacon Recipes
by Gooseberry Patch
Rating: 4.2/5 by 21 reviews
Link: http://www.amazon.com/dp/B00IMLJ4V0

61. Great Tips To Help You Save Money And Get Out Of Debt - Money saving tips (a debt-free book)
by Mike C. Adams
Rating: 3.7/5 by 21 reviews
Link: http://www.amazon.com/dp/B00H9C6XNU

62. Options Trading For Beginners: How To Get Rich With Stock Options Trading (Options Trading Strategies, Options...
by Devon Wilcox
Rating: 4.6/5 by 20 reviews
Link: http://www.amazon.com/dp/B00JFKWDR4

63. A Baker's Guide to Chocolate: A Collection of Recipes and Useful Information
by Dennis Weaver
Rating: 4.1/5 by 20 reviews
Link: http://www.amazon.com/dp/B00ICSF994

64. 101 Facts... Cats! Cat Books for Kids - Amazing Facts, Photos & Video Links. (101 Animal Facts)
by IP Factly
Rating: 4.9/5 by 19 reviews
Link: http://www.amazon.com/dp/B00HWWVL2A

65. Team: Six Secrets of Powerful Teams , A practical guide to the magic of motivating and influencing teams (Project...
by Michael Nir
Rating: 4.4/5 by 19 reviews
Link: http://www.amazon.com/dp/B00DUW6QUS

66. Going Shogun
by Ernie Lindsey
Rating: 4.1/5 by 19 reviews
Link: http://www.amazon.com/dp/B0086QDE9Y

67. Craft Pricing Power - 12 Proven Pricing Principles For Small Business Marketers
by Jason G. Miles
Rating: 4.9/5 by 18 reviews
Link: http://www.amazon.com/dp/B00I1OUI0O

68. Be Thankful for the Little Things; Fun Rhymes and Pictures to Teach Children about Gratitude (Rhyming Serice)
by Louise Folger
Rating: 4.3/5 by 18 reviews
Link: http://www.amazon.com/dp/B00FR6E3GY

69. Garden Design and Landscaping - The Beginner's Guide to the Processes Involved with Successfully Landscaping a...
by Rachel Mathews
Rating: 3.1/5 by 18 reviews
Link: http://www.amazon.com/dp/B00IGSMYHK

70. Self Discipline: Increase Your Willpower- Maximize Your Influence- Get Things Done The Smart Way (increased self...
by Ace McCloud
Rating: 4.9/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HOZJICA

71. 101 Healthy Vegan Desserts (Cakes, Cookies, Muffines & Ice cream Vegan Recipes) (Quick & Easy vegan recipes)
by Daniel Nadav
Rating: 4.4/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HS4B3JI

72. 50 Things you didn't know - Fun facts for everyone (50 things you didn't know, fun facts, trivia)
by Nick Merwood
Rating: 4.4/5 by 17 reviews
Link: http://www.amazon.com/dp/B00HYYT3EO

73. Mobile Developer's Guide To The Galaxy
by Robert Virkus
Rating: 4.2/5 by 17 reviews
Link: http://www.amazon.com/dp/B00BS6RIKU

74. Retiring to the Philippines (Philippines, Philippines Travel Guide, Philippines Kindle, Philippines Travel, Expatriates...
by Gary McMurrain
Rating: 4.2/5 by 17 reviews
Link: http://www.amazon.com/dp/B00CF5B64M

75. What God Desires
by Wendell E. Mettey
Rating: 4.1/5 by 17 reviews
Link: http://www.amazon.com/dp/B009EG6OVU

76. Creative Cupcake Ideas: Gourmet Cupcakes to Die For
by Dennis Weaver
Rating: 3.5/5 by 17 reviews
Link: http://www.amazon.com/dp/B00ICSA20A

77. 10 Minute Money Makers: How to Easily Double Your Profits in Just 10 Minutes a Day
by Jeanna Gabellini
Rating: 5/5 by 16 reviews
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78. Apple for President! (The Presidential Essays)
by William Keiper
Rating: 4.8/5 by 16 reviews
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79. Popcorn Handbook: Recipes, Techniques and Tips for Great Candy Popcorn
by Dennis Weaver
Rating: 4.4/5 by 16 reviews
Link: http://www.amazon.com/dp/B00ICSFB0Q

80. The Egg and I: How to Make Incredible Omelets and Frittatas
by Dennis Weaver
Rating: 4.3/5 by 16 reviews
Link: http://www.amazon.com/dp/B00ICSFDKE

81. A Guide to Gardening and Growing Best Herbs Anywhere
by Kelly T Hudson
Rating: 3.8/5 by 16 reviews
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82. How to Dump Your Wife: For the Good Man Trapped in a Bad Marriage | Howard Stern says: "You've got to read this...
by Lee Covington
Rating: 3.7/5 by 16 reviews
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83. DASH Diet: A Guide for Beginners - Follow the Most Effective Diet for Lowering Your Blood Pressure and Losing...
by Jennifer Kimberly
Rating: 4.9/5 by 15 reviews
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84. Matter of Trust
by Jeff Erno
Rating: 4.8/5 by 15 reviews
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85. Free My Heart of Grief to Love
by Sandra Moore Bernsen
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86. How To Build a Website With WordPress...Fast! (3rd Edition - Read2Learn Guides)
by Kent Mauresmo
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87. The Perfect Pie: A Handbook for Pie Lovers
by Dennis Weaver
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88. Emotional Intelligence - The Ultimate Guide To Develop Your Emotional Intelligence And Improve Your Communication...
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by Kelly T Hudson
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91. Gems from Warren Buffett - Wit and Wisdom from 34 Years of Letters to Shareholders
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by Prime Publishing
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93. It's Paleo Not Rocket Science - Simple, Quick, Easy and Delicious Paleo Recipes For Busy People
by Madison Grace
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94. Cobbler - The Ultimate Recipe Guide
by Jennifer Hastings
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by Melinda Rolf
Rating: 4.7/5 by 12 reviews
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96. Never Let You Go
by Sabrina Devonshire
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by NBCUniversal
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98. Matcha Green Tea Melt & Pour Soap Recipe
by Lisa Maliga
Rating: 3.8/5 by 12 reviews
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99. Email Etiquette: Netiquette for the Information Age
by David Tuffley
Rating: 3.4/5 by 12 reviews
Link: http://www.amazon.com/dp/B0057CTXGS

100. The Top Mistakes Youth Hockey Parents Make At The End Of The Season Through Spring
by Brandon Convery
Rating: 5/5 by 11 reviews
Link: http://www.amazon.com/dp/B00JRNPMQS

All the books are checked to be free at the time of posting.
Please double-check the price before you buy.

Totally Free Deals
g: 0 Posted By: ArtieLange
Views: 161 Replies: 0 ZyXEL GS1100-16 Unmanaged 10/100/1000Mbps 16 Port Unmanaged Gigabit Rackmount Switch $49.99 shipped W/Code EMCPFHE56 Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16833181152&...



The ZyXEL GS1100-16 is positioned to deliver a solution that requires no switch management for office environments demanding silent operation and green technology. It provides plug-and-play simplicity for high-bandwidth connectivity.

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The GS1100-16 offers plug-and-play connectivity and easy installation. With the Auto-MDI/MDI-X feature, it eliminates the need for crossover cables when connecting to another switch or hub; the Auto-negotiation feature senses the link speed of a network device and intelligently adjusts for compatibility and optimal performance.Features:

Non-blocking, wire-speed transmission
Auto MDI/MDI-X support
IEEE 802.3az compliant
Fanless design for silent running
IEEE 802.3x Flow control supported
IEEE802.1p CoS supported
Jumbo frame supported up to 9K bytes
16 ports, desktop design

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Newegg Coupons
g: 11 Posted By: remick
Views: 984 Replies: 0 http://www.amazon.com/gp/product/B009Y7PUOG

4.5 out of 5 stars (82 customer reviews)

This book and video course is all that you will ever need for learning guitar scales! Damon Ferrante, virtuoso guitarist and music professor, guides you through 100 step-by-step lessons and streaming videos that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 18 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales, Jam Tracks, and developing good practice habits.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys, like A, E, G and C?

3. Do you get lost when other musicians talk about music theory?

4. Would you like to expand your playing to any position on guitar
fretboard and enhance your songs and solos with new and exciting musical ideas?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Guitar Scales Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about scales, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.

Guitar Scales Handbook is a 130-Page Book and Video Course for learning scales, music theory, and fretboard theory. The book is organized in a 100-lesson format that takes you step by step through scales, the notes on the guitar neck, intervals, and music theory. Each lesson builds on the next and the book is designed for beginners through advanced / virtuoso guitarists.



ACOUSTIC GUITAR IN 20 WEEKS: Basic Acoustic Guitar Guide with 20 Lessons
http://www.amazon.com/gp/product/B00D1X8E10

ALL EXAMPLES PLAYED BY THE AUTHOR ON VIDEO. LINKS ARE PROVIDED.

78 Exercises on 20 weeks Basic Acoustic Guitar lessons.

Whether youre a beginner or intermediate player, if you spend over one-hour per a day with this book, this proven guitar method will help you develop your guitar playing gradually.

20 intensive acoustic guitar lessons in 20 weeks are just like your weekly private lessons. This book covers chords, major scales, arpeggios and rhythm strumming patterns in various genres like Pop, Rock, Acoustic, Classical and Blues.

Provide chord progression exercises based on popular songs you already know and the melody exercises based on famous traditional and classical pieces such as Air on G String, Canon in D Major, and Ode to Joy.

We are offering high quality PDF file of this book with the purchase. Download free from the link provided in this book.

NOTICE: This is a basic guitar practice book, not a theory book. Studying with a good theory books are highly recommended.

Topics are

Open String Techniques
Find the Notes on the Fingerboard
Basics on Triad Chords
Chord and Arpeggios
Major Scale
Use of the Suspended Chord
Playing the Barre Chords
Use of the Add9 Chords
Play the Blues
Blues Turnaround
Diatonic Harmony
Canon in D Major
Play the Melodies
Ode to Joy, Beethoven
Play the Familiar Sound
Lagrima by Francisco Trrega
Spanish Romance, Anonymous


new on 4/25

Guitar Adventures: A Fun, Informative, and Step-By-Step 60-Lesson Guide to Chords, Beginner & Intermediate Levels, with Companion Lesson and Play-Along Videos
http://www.amazon.com/dp/B0097GFR06

4.7 out of 5 stars (150 customer reviews)
Totally Free Deals
g: 1 Posted By: remick
Views: 232 Replies: 0 http://www.amazon.com/gp/product/B00CQSPNLK

4.5 out of 5 stars (48 customer reviews)

Weve all admired our neighbors gorgeous gardens filled with flowering perennials and longed to recreate their beauty in our own back yard. But if were being honest, when it comes to gardening, most of us have no idea where to begin. Additionally, in these economic times, who can afford to hire an expert to come in and do the job for us? That said, regular folks all across North America and Europe are returning to the soil, shovels in hand. With the help of this book, there is absolutely no need to fly blind into the world of green thumbs, perennials, and herbs.The nameGarden Guide: A No Nonsense, No PhD Guide to Great Gardens with Hand-Holding How Tos for Beginners and Straightforward Instruction for Advanced Gardenerstruly says it all. Indeed, this book is the hand-holding garden guide that will walk even the most timid novice right through the gardening process from beginning to end.

In addition to straight forward, practical advice in everyday language, you will love the stories and anecdotes Olver shares from her fifteen years of backyard, organic gardening adventures. Easy and entertaining, youll probably read this book in one sitting, but youll reference it for years to come. The beauty of Garden Guide is that Olver divides her advice into two sections: Beginning Gardeners and Advanced Gardeners. No matter what your skill level, there are simple explanations, tips, and tricks that will walk you through every aspect of the garden process. Garden Guide features details such as:

Everything you need to know about location, from sunlight to drainage to selecting just the right spot
How to understand soil types, how to amend and condition them
pH levels and soil testing broken down in simple terms
Step by Step guide for planning your PERFECT garden no matter where the location
Fertilizing made manageable with explanations for all those numbers and organic alternatives
Composting broken down so you can start immediately
Pests obliterated with loads of organic suggestions
The basics of garden maintenance from deadheading to dividing perennials
Loads of helpful website suggestions for purchasing plants online, getting ideas, locating county extension offices, perennial databases and so much more.
Gardening terms are defined in language you will both understand and remember

If you have time to read only one book on gardening, this is the book to choose. Short enough not to feel like an encyclopedia and just long enough to wet your gardening appetite, Olver has woven basic garden science and practical ideas for everyday people into each page. With her warm, inviting, no-nonsense instruction, you will be amazed how simple and doable gardening really is. Not only will it thoroughly educate you in basic gardening, Garden Guide will send you well on your way toward beautiful perennials gardens and leave you inspired and hungry to begin planting in your own patch of earth.



also free

Organic Gardening Beginner's Manual
http://www.amazon.com/Organic-Gardening-Beginners-Manual-Turner-...

Here's the ultimate "Take-You-By-The-Hand" beginner's manual for creating and managing your own organic garden. Even if you know nothing about organic gardening.... so you can get back your health and energy and save a stack of money.

You're going to learn that organic gardening can greatly improve your health and energy levels while really lowering your weekly food bills, and it only takes about half an hour per week.

If you're like me you probably hate the idea of eating foods (and providing them for your family) that may have been grown with chemicals.

I want to share with you not only the joy of producing fresh, delicious food for your family, but also the health advantages.... spending time in the fresh air and sunshine, stress relief, and chemical free, vitamin filled, fresh, natural foods - what our bodies really crave for and need.

Now you can access the information you want quickly and easily, to make planning and growing your vegetable garden a breeze! Growing our own food makes us less reliant on commercially grown foods. Who knows how long produce might have been sitting around on a shelf, or in a cooler room?

Do you wonder just what chemicals have been sprayed on that perfect-looking tomato, that really is quite tasteless? Being able to walk out to your organic vegetable garden and pick your own food - now let's see... how many food miles is that? - Oh, it's none!

You'll instantly discover...
Your very best area to grow your vegetables
How to build up healthy, fertile soil without costing a fortune
How to feed your soil - the organic ways
How to create an easy, 'no-dig' veggie plot
Massive savings by learning how to grow from seeds
9 Essential tips to successfully transplanting your seedlings
Tips for the most effective watering
Why mulching is a must in every organic garden
5 easy ways to keep your garden weed free
How to slash your food bill in half
The 7 crucial ingredients to making great compost
What never to put into your compost
How to make your own organic liquid fertilizers, saving $$'s
Natural ways to protect your plants from pests and disease
Top 10 easiest veggies to grow
Secrets to growing lush, healthy herbs
Why to include perennial vegetables
What you must do to grow your food if space is limited
How much to plant for your family's needs
And that's just a small glimpse of what's included. This gardening guide was created to give you simple, concise steps to easily create the right organic food garden for your family. I've gathered this information from both my own experience and from many different resources over the past 20 years.
Books & Magazines Deals
g: 0 Posted By: remick
Views: 168 Replies: 0 http://www.amazon.com/gp/product/B00B85811G/

Parents worry they don't have the understanding or training to be able to care for their kids in a world that is increasingly superficial, politicized, and performance driven. Disconnected makes the concepts and strategies described in the bestselling Hurt: Inside the World of Today's Teenagers accessible to parents. After the overwhelming response to Hurt, authors Chap and Dee Clark here equip parents with an up-to-date, realistic parenting book that doesn't ignore the harsh realities of adolescent life. It builds a foundation for parents by describing exactly how things have changed, takes them through the various developmental stages their children go through, and gives them workable paradigms for parenting.

From the Inside Flap
EXCERPT FROM CATALOG
It is an obvious fact that parents and children see life differently. Parents and children often assume that the way they view and experience the world is the only way to see and experience the world. This presents a series of relational challenges on its own, but even more important for the parent to consider is that, irregardless of how they see the life and world of their kid, the way the child sees their life and world, in all aspects--relational, social, ethical--is what matters most as they grow up. It is your child's perspective of their own world that ultimately has the greatest influence over them as they grow up. Even in homes where parents work hard to try and understand their children, today's teenagers believe that life is hard, antagonistic, and dismissively impersonal. According to our research, by the time they reach high school, kids feel an almost overwhelming sense of isolation and loneliness. Even the brightest and best kids revealed to our team how damaged they feel under the pressure of what they see as constant evaluation and critique. This feeling fosters a profound insecurity in nearly every adolescent, an inner disquiet that few can verbally pin down but all seem to experience. In order to parent well in today's image- and performance-driven society, where everything from body contour to SAT scores is scrutinized and put down, it is vitally important to recognize that the inside of your adolescent child is a stew of conflicting thoughts and emotions.
From the Back Cover
Your teens live in another world. They encounter different sorts of challenges than you did. But you can learn how to help them navigate our increasingly superficial, politicized, and performance-driven world.

Authors Chap and Dee Clark are not only youth and family experts, they're also parents. In Disconnected, they put their years of research and experience to work to help you understand your teen. This up-to-date, realistic book doesn't ignore the harsh realities of adolescent life. It describes how things have changed since you were a teen and gives you ways to build your relationship with your teens while instilling in them the values they need to thrive in a MySpace world.
Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 54 Replies: 0 http://www.amazon.com/gp/product/B009Y7PUOG

4.5 out of 5 stars (82 customer reviews)

This book and video course is all that you will ever need for learning guitar scales! Damon Ferrante, virtuoso guitarist and music professor, guides you through 100 step-by-step lessons and streaming videos that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 18 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales, Jam Tracks, and developing good practice habits.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys, like A, E, G and C?

3. Do you get lost when other musicians talk about music theory?

4. Would you like to expand your playing to any position on guitar
fretboard and enhance your songs and solos with new and exciting musical ideas?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Guitar Scales Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about scales, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.

Guitar Scales Handbook is a 130-Page Book and Video Course for learning scales, music theory, and fretboard theory. The book is organized in a 100-lesson format that takes you step by step through scales, the notes on the guitar neck, intervals, and music theory. Each lesson builds on the next and the book is designed for beginners through advanced / virtuoso guitarists.



ACOUSTIC GUITAR IN 20 WEEKS: Basic Acoustic Guitar Guide with 20 Lessons
http://www.amazon.com/gp/product/B00D1X8E10

ALL EXAMPLES PLAYED BY THE AUTHOR ON VIDEO. LINKS ARE PROVIDED.

78 Exercises on 20 weeks Basic Acoustic Guitar lessons.

Whether youre a beginner or intermediate player, if you spend over one-hour per a day with this book, this proven guitar method will help you develop your guitar playing gradually.

20 intensive acoustic guitar lessons in 20 weeks are just like your weekly private lessons. This book covers chords, major scales, arpeggios and rhythm strumming patterns in various genres like Pop, Rock, Acoustic, Classical and Blues.

Provide chord progression exercises based on popular songs you already know and the melody exercises based on famous traditional and classical pieces such as Air on G String, Canon in D Major, and Ode to Joy.

We are offering high quality PDF file of this book with the purchase. Download free from the link provided in this book.

NOTICE: This is a basic guitar practice book, not a theory book. Studying with a good theory books are highly recommended.

Topics are

Open String Techniques
Find the Notes on the Fingerboard
Basics on Triad Chords
Chord and Arpeggios
Major Scale
Use of the Suspended Chord
Playing the Barre Chords
Use of the Add9 Chords
Play the Blues
Blues Turnaround
Diatonic Harmony
Canon in D Major
Play the Melodies
Ode to Joy, Beethoven
Play the Familiar Sound
Lagrima by Francisco Trrega
Spanish Romance, Anonymous

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

The Individual Stock Discussions thread has been overrun by:

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

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

Reason for Creating Thread

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

What this thread is not

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


A few notes

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

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

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

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



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

Investing Deals
g: 1 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/dp/B00EP4X4A0/

4.7 out of 5 stars (91 customer reviews)

In this book and streaming video course, piano professor, Damon Ferrante will lead you from a beginner level to make you play better than ever! His step-by-step method on how to play the piano has been proven to be easy to follow and to reduce the effort, time, and expense of piano learning. Learn piano by playing songs! Thousands of pianists of all ages appreciate the fact that Ferrante's methods enhance creativity and make piano playing fun! No music reading is required!

This New Edition includes hours of Free Streaming Video Lessons! The video lessons cover piano technique, how to read music, music theory, how to play songs, and developing good practice goals.

Ask yourself this:

1. Have you always wanted to learn how to play the piano, but did not know where to start?

2. Did you begin piano lessons once and give up because the lessons were too difficult?

3. Are you struggling to follow online piano lessons that seem to jump all over the place without any sense of direction or consistency?

4. Would you like to expand your musical understanding and learn how to play the piano through an affordable, step-by-step book and video course?

If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Little Piano Book is a book and streaming video course that follows a step-by-step lesson format for learning how to play the piano. It is designed for beginners and no music experience is necessary to use the book. Each lesson builds on the previous one in a fun, clear, and easy-to-understand manner--giving you confidence and a new ability with the piano. This book and video course will enliven your creativity and strengthen your understanding of music, taking things to the next level!

At the end of the book, you will be able to play the following songs and pieces in easy-piano arrangements: "Jingle Bells", "Scarborough Fair", "Ode to Joy", "Amazing Grace", "When the Saints Go Marching In", 'Yankee Doodle', "Simple Gifts", "Take Me Out to the Ballgame", 'Michael, Row the Boat Ashore", "Beethoven 5th Symphony Theme", "Twinkle, Twinkle Little Star", "Love Somebody", "Kum-Bah-Yah", and many more songs.

This piano book covers the following material: piano music, piano chords, piano sheet music, piano theory, music theory, popular songs for piano, piano exercises, piano hymns, piano instruction, how to play the piano, piano jazz, kids piano, piano notes, piano lessons, piano practice, piano repertoire, piano sight reading, piano technique, piano theory, how to play the piano, piano instruction, and piano for adults.
g: 0 Posted By: Farfisa850
Views: 18 Replies: 0 http://www.homedepot.com/SpecialBuy/SpecialBuyOfTheDay/?#

Coordinating Claro Wallplates and Accessories sold separately
Package includes 2 Maestro Occupancy Sensing Switches
Automatically turn lights on and off based on room occupancy
Uses Advanced XCT sensing technology, offering the most reliable on/off performance up to 30 ft.
Works with all bulb types
Senses daylight, so lights dont turn on inadvertently (optional)
Can be switched to vacancy mode (manual-on, auto off)
Great for small rooms like laundry rooms, closets, and bathrooms
Simple, easy, and low cost way to bring light automation to your home
Sleek design of Maestro controls
Programmable time-out of lights - 1, 5, 15, or 30 minutes
Up to 250-Watt incandescent, halogen, electronic low voltage; 200 W magnetic low voltage; 150-Watt CFL/LED; 2 amp ballasts
Single-pole only
No neutral wire required

g: 14 Posted By: remick
Views: 1688 Replies: 1 http://www.amazon.com/dp/B00J08H0OW

4.8 out of 5 stars (22 customer reviews)

This is the guide to living life on your terms. Its tough landing that first job out of school and starting your climb up the professional ladder in such an uncertain world. In Knock 'em Dead Secrets & Strategies for First-Time Job Seekers, you will learn how to climb the ladder of success and get what you want out of life. You'll learn how to: -Develop social networks that deliver results for the new professional you -Build a resume that gets you interviews -Complete your job search in record time with a killer plan of attack -Turn job interviews into job offers and paychecks -Build a professional brand that delivers credibility -Bring your entrepreneurial dreams to life. Working your way through the proven job search and interview strategies from the inimitable Martin Yate, you'll gradually discover a blueprint for professional success. You'll immediately begin to make sense of the world of work, start your career on the right foot, and gain access to the corporate inner circle and win promotions way ahead of your college peers. You can get what you want out of life, and live a meaningful life on your terms you just have to learn how to do it. In Secrets & Strategies for First-Time Job Seekers, you'll develop a practical career plan that puts you in control, with commonsense strategies that really can bring your dreams to life. You need never be unemployed, never be without income streams. In short, you can score the job you want and learn to survive and prosper over the long haul with a brand new approach to professional success that always put you first. How will you guide your professional destiny?



also free at the time of posting

Job Seekers' Attitude Adjustment Guide
http://www.amazon.com/Job-Seekers-Attitude-Adjustment-Guide-eboo...



new on 4/23


Private Notes of a Headhunter: Proven Job Search and Interviewing Techniques for College Students and Recent Grads
http://www.amazon.com/dp/B00BJRVE9E





Books Deals

Amazon Coupons
g: 0 Posted By: remick
Views: 37 Replies: 0 http://www.amazon.com/gp/product/B009TE79XO

4.7 out of 5 stars (29 customer reviews)

#1 Amazon Bestseller ● #1 Rated College Success Book in America (Voice of Youth Advocates Review)

"I read Kick Ass in College cover to cover in only 3 days. After the first hour, I felt a great sense of motivation to pursue my studies and enjoy college... The chapters unfold with urgency, frankness, and humor. Gunnar really speaks the truth..." ~U. Phan / 5.0 out of 5 stars

"Head and shoulders above the rest... I searched for words of wisdom that would ease my daughter's transition into college life. I ended up buying her 3 books. But it was Kick Ass in College that she found to have the best information and helpful hints to survive... We liked this book so much it has become my standard high school graduation gift!" ~Gayle Keller / 5.0 out of 5 stars

Limited-Time Price! ● Click On Book Cover Above to "Look Inside" for a Quick VIDEO INTRODUCTION!

"The most succinct, practical, engaging and immediately useful success-in-college book available." ~Voice of Youth Advocates Library Review

"I absolutely love Kick Ass in College. I have read the book twice before, and now for the third time. I re-read it before each semester, and I have been kicking ass ever since. I had to leave school with a 1.5 G.P.A. but when I came back my grades jumped to a 3.4. I graduated with a 3.8! The book is wonderful and I recommend it to every college student I know!" ~K. Williams, Bowie State University | 5.0 out of 5 stars

"...will save students a lot of heartache... invaluable coaching for college." ~Professor John Barberet, University of Central Florida

"I wanted to give you a big THANK YOU! I'm returning to college in the spring (UCLA). I was feeling very intimidated... I appreciate the things you've demystified and clarified for me and the organized, concise and fun way you delivered this information!" ~Raquel Brejtfus, Barnes & Noble customer

"Must-read material for students seeking to use their degree as a springboard to an exciting career." ~Barbara Eureste, Director of the Career Placement Center, University of Texas at Austin

YES, Kick Ass in College is laugh-out-loud funny. But author Gunnar Fox is out for more than his readers' laughter: he wants their full attention and commitment to his study techniques and life strategies. In addition to providing a blueprint for classroom success and preparing students for the highly competitive job market that awaits them, this instant college classic tackles relationships, substance abuse and many other real-world issues.
Totally Free Deals
Outlaw Audio LFM-1 Plus Subwoofer, $499 with Free Shipping
Added on : Tuesday April 22nd 2014 01:00:02 PM
g: 0 Posted By: tikiff
Views: 215 Replies: 1 Outlaw has their LFM-1 Plus Subwoofer on sale for $499 with free shipping.

The LFM-1 Plus takes our highly acclaimed LFM-1 Subwoofer to the next level. A new more powerful amp, special EQ, and custom port plug combine to deliver an amazing 18Hz while maintaining a linear response right across it's audible bandwidth. Now, you no longer need to sacrifice low frequency extension to maintain that smooth "true to the original" sound of your favorite recordings.

Among the LFM-1's many features are:
A down firing design that virtually eliminates audible port noise
A long throw 12" driver for deep bass extension
A powerful 350 watt BASH amplifier for precise driver control
Variable port tuning for customized output
Signal Sense for automatic turn on/off
180-degree phase control
Line and speaker level inputs
Detachable power cord

LMF-1 Link

Refresh the page if the price does not show as $499.
Headphones & Speakers Deals
g: 2 Posted By: remick
Views: 269 Replies: 1 http://www.amazon.com/dp/B00J08H0OW

4.8 out of 5 stars (22 customer reviews)

This is the guide to living life on your terms. Its tough landing that first job out of school and starting your climb up the professional ladder in such an uncertain world. In Knock 'em Dead Secrets & Strategies for First-Time Job Seekers, you will learn how to climb the ladder of success and get what you want out of life. You'll learn how to: -Develop social networks that deliver results for the new professional you -Build a resume that gets you interviews -Complete your job search in record time with a killer plan of attack -Turn job interviews into job offers and paychecks -Build a professional brand that delivers credibility -Bring your entrepreneurial dreams to life. Working your way through the proven job search and interview strategies from the inimitable Martin Yate, you'll gradually discover a blueprint for professional success. You'll immediately begin to make sense of the world of work, start your career on the right foot, and gain access to the corporate inner circle and win promotions way ahead of your college peers. You can get what you want out of life, and live a meaningful life on your terms you just have to learn how to do it. In Secrets & Strategies for First-Time Job Seekers, you'll develop a practical career plan that puts you in control, with commonsense strategies that really can bring your dreams to life. You need never be unemployed, never be without income streams. In short, you can score the job you want and learn to survive and prosper over the long haul with a brand new approach to professional success that always put you first. How will you guide your professional destiny?



also free at the time of posting

Job Seekers' Attitude Adjustment Guide
http://www.amazon.com/Job-Seekers-Attitude-Adjustment-Guide-eboo...


Teen Success in Career & Life Skills
http://www.amazon.com/Teen-Success-Career-Life-Skills-ebook/dp/B...





Books Deals

Amazon Coupons
g: 1 Posted By: ctgolfer
Views: 209 Replies: 0 13.3" touch screen for hands-on control
Touch navigation makes the most of Windows 8. IPS technology offers wide viewing angles. Typical 1366 x 768 HD resolution. Energy-efficient LED backlight.
4th Gen Intel Core i3-4020Y mobile processor
Smart dual-core, four-way processing performance for HD-quality computing.
4GB system memory for basic multitasking
Adequate high-bandwidth RAM to smoothly run multiple applications and browser tabs all at once.
128GB solid state drive (SSD)
While offering less storage space than a hard drive, a flash-based SSD has no moving parts, resulting in faster start-up times and data access, no noise, and reduced heat production and power draw on the battery.
Convertible design
Seamlessly switch between high-functioning laptop and portable tablet forms. The durable hinge makes it quick and simple to dock and detach the display from the keyboard.
Intel HD Graphics 4200
Fourth-generation on-processor graphics, designed to complement low-voltage processors and render high-quality images and stream videos with minimized power consumption.
Dual speakers built into the display
Beats Audio outputs amazing sound, rich audio and deep bass.
Weighs 4.9 lbs. and measures 0.9" thin overall
Ultraportable design, featuring a smaller screen size and omitting the DVD/CD drive to achieve the compact form factor. Two 3-cell lithium-ion polymer batteries (one each, laptop base and display).
Bluetooth interface syncs with compatible devices
Wirelessly transfer photos, music and other media between the laptop or tablet and your Bluetooth-enabled cell phone or MP3 player, or connect Bluetooth wireless accessories.
USB 3.0 port in the base maximizes the latest high-speed devices
The base also includes a USB 2.0 port to connect more accessories and peripherals. The USB 3.0 port is backward-compatible with USB 2.0 devices (at 2.0 speeds).
HDMI output in the base expands your viewing options
Connect the laptop to an HDTV or high-def monitor to set up two screens side by side or just see more of the big picture.
Media reader in the laptop base for simple photo transfer
Supports Secure Digital and MultiMediaCard memory card formats. Additional microSD card slot on the display to keep key files accessible when using the tablet alone.
Wireless network connectivity
High-speed wireless LAN built into the display frame, so it connects to your network or hotspots on the most common Wi-Fi standards in both laptop and tablet modes.
Microsoft Windows 8 operating system
Designed for touch, mouse and keyboard, so you can choose how you get around. Use the touch screen to easily zoom and customize your new Start screen, or restore the familiar Windows desktop experience.
Front-facing HP TrueVision HD webcam with 2 noise-canceling microphones
Makes it easy to video chat with family and friends or teleconference with colleagues over Skype or other popular applications. Automatically adjusts for available light.
Island-style keyboard with chiclet keys
HP Imagepad touchpad with support for multitouch gestures.
HP CoolSense technology keeps you comfortable
Automatically adjusts the laptop's temperature based on use and conditions, so the surface stays cool instead of heating up.
Additional ports
Microphone-in/headphone-out combo jack in the laptop base.
Note:
This laptop does not include a built-in DVD/CD drive.

www.bestbuy.com/site/hp-split-x2-2-in-1-13-3-touch-screen-laptop...
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g: 0 Posted By: ctgolfer
Views: 113 Replies: 0 Quick Glance Notifications
Receive notifications on your wrist with Galaxy Gear. Stay in the moment by keeping your phone out of sight, without missing important calls, texts, events, and more.
Smart Relay for Even Faster Access to Notifications
When a notification requires a closer look, the second you pick up your Galaxy phone, the Smart Relay feature automatically opens up that app to the exact message you're seeing on your wrist.
Hands-Free Calls
Making calls on the move has never been easier. Now you can place calls and answer them directly from your Galaxy Gear. Galaxy Gear includes 2 built-in noise-canceling microphones and a built-in speaker for hands-free chatting.
S Voice
Use simple voice commands to place calls, compose messages, schedule an event, check the weather, and more! With access to Samsung's robust S Voice feature right from Galaxy Gear, you'll enjoy hands-free convenience.
Find My Device
Never lose track of your phone again. Now, if your phone gets stuck in the couch cushions, use Galaxy Gear to remotely activate sounds or vibrations for easy location. You can also use your phone to help you find the Galaxy Gear.
Auto Lock/Unlock
Senses when you've walked more than 5 feet away from your Galaxy phone and automatically secures your device. When you return, Gear tells your phone that it's you and automatically unlocks no PIN or thumbprint required.
Brilliant Display
Samsung Galaxy Gear's 1.6" Super AMOLED touchscreen has more pixels than most smartphones, which means you can read crisp text and enjoy vivid images right from your wrist.
The Companion With Style
Galaxy Gear is the companion device designed to make life easier without cramping your style. Its sleek design, durable body and range of colors mean you can wear it anywhere and everywhere.
Personal Touch
Use the Gear Manager app on your Galaxy phone to totally customize your experience. Change your Gear settings, customize and add new watch faces, enable or disable features, organize your apps and more.
Capture the moment right from your wrist.
Don't miss the action pulling out your phone. With a 1.9 MP auto-focus camera embedded in the strap, snap pictures and even capture videos quickly and easily right from Gear.
Built-In Pedometer
Galaxy Gear makes it easier to get in shape. Keep track of your walking and running distance with its built-in pedometer. And with S Health, you can monitor and achieve your fitness goals right from your wrist.
Music Player
Whether Samsung Galaxy phone is in your pocket or plugged into a dock, you can seamlessly turn up the volume and change songs in an instant. Now that sounds good.
Galaxy Gear is currently compatible with these Samsung smartphones.
AT&T: Samsung Galaxy Note 3 (SM-N900A), Samsung Galaxy S 4 (SGH-i337), Samsung Galaxy S III (SGH-i747), Samsung Galaxy Mega (SGH-i527)
Sprint: Samsung Galaxy Note 3 (SM-N900), Samsung Galaxy S 4 (SPH-L720), Samsung Galaxy Note II (SPH-L900), Samsung Galaxy S III (SPH-L710)
T-Mobile: Samsung Galaxy Note 3 (SM-N900T), Samsung Galaxy S 4 (SGH-M919), Samsung Galaxy S III (SGH-T999/T999L)
Verizon Wireless: Samsung Galaxy Note 3 (SM-N900V), Samsung Galaxy S 4 (SCH-i545)
U.S. Cellular: Samsung Galaxy Note 3 (SM-N900RA), Samsung Galaxy S 4 (SCH-R970), Samsung Galaxy Note II (SCH-R950), Samsung Galaxy S III (SCH-R530)

www.bestbuy.com/site/samsung-galaxy-gear-smart-watch-for-select-...
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g: 0 Posted By: jskins
Views: 243 Replies: 0 Battlefield 3 (PC Digital Download)- $5.00 (Deal Of The Day) at Origin.

*20 new maps, 20 new weapons, more than 10 new vehicles and four new game modes*

Features:

Frostbite 2: Incredible technology that takes animation, destruction, lighting, scale and audio to new heights
Feel The Battle: Cutting edge animation, spectacular visuals and real as hell battle game-play attack your senses and make you feel the visceral warrior's experience like no other FPS
Unparalleled Vehicle Warfare: Experience a sonic boom as fighter jets headline an impressive lineup of land, air and sea vehicles
Urban Combat: Take the fight to iconic and unexpected places in the USA, Middle East, and Europe including claustrophobic streets, metropolitan downtown's, and open, vehicle-friendly landscapes

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Origin powered by EA Coupons
g: 0 Posted By: Revenant
Views: 145 Replies: 0 Hisense 55" 4K Smart LED WiFi Ultra HDTV (open box) w/ Optional 2 Year Extended Warranty- $1,250.00with free shipping at yugster.com

LINK

Type of Television: LED Edge-lit 16:9 LCD
Refresh Rate: 60 Hz
Resolution Description: Ultra HD (4k)
Screen Size Class: 55 in.
Wi-Fi Enabled: Yes
Depth: 2.36 in.
Dynamic Contrast Ratio: 1,200,000 : 1
Number of HDMI Inputs: 4
Number of USB Inputs: 3
Speaker Watts (Each): 15 W
Comes with either a 90 Day Yugster Warranty or an optional 2 Year Extended Warranty

TV Deals
g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 Type: 7" Tablet
LCD: 1024600
Touch Panel: 5 point multi-touch
RAM: 1GB
Storage: 4GB
Extendable memory: Micro SD (up to 32GB)
Operating System: Android 4.1
Support Language: English, French, Spanish
Wi-Fi: 802.11b/g/n
USB Connector: Micro USB
HDMI: Mini HDMI
Earphone Connector: 3.5mm
Front Camera: 0.3M
Battery Capacity: 3400mAh
Charging time: 3400mAh
Working Time: 4 hours HD Video Playing with default brightness/volume
Dimensions: 7.87" length 4.8" width 0.41" depth
Weight 11.6 ounces
Brand: Hisense
Model: E270BSA
Condition: Refurbished
Warranty: 90 Day

http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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Help Me Figure Out Sales Tax Charged on Gift Cards at Lowe's
Added on : Thursday April 17th 2014 08:00:08 AM
g: 0 Posted By: Compeek
Views: 126 Replies: 1 To make use of the current 5% Discover category, I just went to Lowe's in a town in Illinois and bought these three gift cards:

Shell - $25.00
Google Play - $10.00
Virgin Mobile - $30.00 (technically a top up card)

Subtotal: $65.00

I was charged $2.85 in sales tax (~4.38% of $65.00). Sales tax in this town is 8% on normal items, but I was not expecting any sales tax on gift cards.

I bought a Shell gift card at a Lowe's in a different town recently and paid no sales tax (but there is sales tax on that town on normal items).

Can somebody help me make sense of this? Clearly I wasn't charged the normal sales tax rate on the total, but the numbers don't make sense even if I was only charged it on one or two of them.

My guess is the Virgin Mobile top up card is treated differently, but 8% of $30.00 is $2.40, not $2.85.

I'm slightly annoyed that I canceled out most of the 5% Cash Back I earned by paying sales tax, but at least I didn't lose anything. Mostly I want to figure this out so I can buy more gift cards at 5% Cash Back and not pay sales tax. Like I said, I bought another Shell card recently and paid no tax, so there must be some special thing here I'm missing. I'm guessing the gas card is not the problem, so if I should only buy gas gift cards, that's fine, but it would be nice to know exactly so I can diversify.

Thanks!
Credit Deals
g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 Seamless Connection to Geocaching.com User Community - Easily connect to the #1 user community for geocaching and perform "Send to GPS", create and sync Pocket Queries, and upload Field Notes
Free 30 Day Premium Membership to Geocaching.com - Download GPX files, create your own Pocket Queries, and get tons of other premium membership features.
Pre-Loaded with the Most Popular Geocaches - These caches have been found more than any others! Get a complete out-of-the-box experience by searching and finding the top geocaches in your region!
Paperless Geocaching - Download and view more than 20 unique characteristics of each cache and view, search, filter on the device. Details include name, location, description, hider, size, difficulty, terrain, hint, spoilers, and last 20 user logs among a number of other details
Easy to Navigate Menus and Rich Graphics - A dedicated device means there is no nonsense to by-pass to get to your geocaches. A simply main menu, intuitive contextual menus, and vibrant graphics make this device easy to use
Brilliant, sunlight readable color screen - A vibrant 2.2" color transflective screen provides the best readability in direct sunlight
Store up to 10,000 geocaches on the device - That is a total of 20 Pocket Queries! Load a new GPX file for each trip or all the locations you love to geocache so you'll have data on board when you need it
Geocache Awards - Keep track of all your finds and receive special awards based on number of finds, types of finds, and other interesting combinations of actions. The more you find, the more you are rewarded!
Rugged and waterproof to IPX- Focus on the adventure not protecting the device
High-sensitivity SiRFstarIII GPS with 3-5 meter accuracy - Most smart phones provide 20-30 meter GPS accuracy, which will get you close to the geocaching, but will it really help your find it? 3-5 meter GPS accuracy will put you on top of the cache and make the find that much easier
Picture Viewer - Transfer images within geocache descriptions and view in the field to help locate difficult to find geocaches
Pre-loaded Worldwide Map - Referencing a complete road network in North America and Western Europe and major roads throughout the rest of the populated world to help in orientation. See parks, rivers, lakes, major city points, and other types of land use along side your Target geocaches
18 Hours of battery life using 2 AA batteries - Go strong for an entire day (or more) of geocaching. No stopping to replace the batteries
Suspend Mode - The goal is to conserve battery life by putting the device into an advanced power saving mode. Suspend mode will turn off everything expect for GPS tracking. Wake up the device with a single click
On-board user memory - Loads on space to add up to 10,000 geocaches and tons of photos and personalized backgrounds
Create and Store 500 Waypoints - Whether you mark your car, campsite, starting location, or places to re-visit, waypoints are a common and useful feature in all outdoor GPS devices
Record Active Track and See "Breadcrumbs" on the Map Screen - Keep a log of all the steps you took throughout the day hunting for geocaches. Reference your track to find your way back to keep a record of geocaching adventures
Trip Summary - Start your journey with one-click and keep tabs on useful statistics such as distance travelled, average speed, elevation gain and descent, and average time to find
NMEA Message Output (USB Only) - For hardcore outdoor GPS enthusiasts who want to connect their device to laptop running VantagePoint software and see your position on computer screen
Multiple Coordinates and Map Datums - Geocache around the world and do it accurately. See your geographic location in UTM coordinates or reference the OS Grid while hunting for caches in Great Britain
2.2 LCD (240 x 320 resolution)
Internal memory: 2GB (500MB available for storage)
Uses two AA batteries (not included)
Communication Protocol: USB Mass Storage
USB Port: Yes
NMEA Output: USB Only
PC Compatible: Yes
Dimensions: 2.2 x 4.4 x 1.4
Weight: 5.2 ounces
Brand: Magellan
Model: EXPLORISTGC
Condition: Factory Refurbished
Warranty: 90 Day
Packaging: Retail

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g: 0 Posted By: invisible
Views: 41 Replies: 0 Flying to SFO (and returning from SFO) on Delta award tickets: onward journey is via LA (LAX), return via Atlanta,GA.
Question:Is it possible to get off at LAX during onward journey? Any danger of getting return tickets canceled?

Since we were planning to visit LA anyway by car during the long vacation stay in California, it makes sense to start at LA and drive up to SFO then fly back from SFO, rather than making round trip journey from SFO by car to LAX during California stay.

Best if we can just get off at LAX, then drive to SFO after a few days, then after few days make return flight from SFO -- Any danger of Delta canceling our return journey due to now show in one leg?

According to this, seems difficult to do:
http://boardingarea.com/viewfromthewing/2012/01/07/how-to-use-hi...

I had heard about this "Hidden City" but for us this is accidentally coming up after booking award travel: and wanted to know how best to deal.

Anyone done this recently to jump of a non-terminal leg of the journey and still make remainder legs? (2nd leg of 4 part return trip in our case, with 4 family members in our case. Will airline listen to some medical reason or otherwise if told frankly (before or at LAX)?

Can't afford to get the Award travel canceled and re-booking will now not work due to filled lowest mileage slots for those legs on those dates.
Air Travel Deals
home prices Dec Vs April
Added on : Monday April 14th 2014 06:00:14 AM
g: 0 Posted By: samandy
Views: 1 Replies: 0 I am in Northern VA area and looking for home. I noticed in same communities prices for sold homes are 30-35K less in Dec-Jan than now flisted or low 400s range.
Is that usual bcos of winter or pricex have gone really high in last 3-4 months?
Would it make sense to wait for few months? Homes are being sold pretty quickly though

Thanks for your input!
g: 0 Posted By: robronson
Views: 100 Replies: 0 I am self employed as a consultant. I fly to various states throughout the year, some of which, like California, have high state income tax. I'm toying with the idea of creating a series of entities for my consulting to maximize profit by minimizing state income tax burden. I don't have a solid plan, just some ideas to hash out and hear thoughts on.

The general idea would be to use a different entity for clients in different states. For example, suppose I make $20k from California and $180k combined from various other states. I could do consulting in California as a Sole Prop and do the business in other states through an S-Corp. That would let me specify that my $17.5k Individual 401k Employee contribution could come from the California income, reducing the state tax burden.

The alternative would be doing all consulting under a single entity (whether it be sole prop or S-corp or whatever), and the $17.5k 401k contribution gets equally deducted (allocated) from all income. It doesn't make sense to deduct the contribution from income derived from states with zero or low state income tax if I can specify that it came from California income. The only way I can think to do that would be separate entities.

I'm also looking at the possibility of S-Corp with me being a W2 for some of my income because California, and perhaps other states, appear to count W2 income earned differently. For example, as a non-resident of California, if I earn $20k in Cali and $180k externally, if I can segregate the $20k of Cali income, perhaps through a sole prop from the $180k which perhaps goes through an S-Corp that pays me as a W2, then I can more easily show my W2 income was derived entirely from non-California sources and if I can count my 401k contribution to the sole prop income, I can really get my Cali income low. I'm using Cali as an example of my idea and hoping it could be used in other ways.

Another idea is to S-Corp and make me a W2 for partial parts of the year (I have flexibility in my consulting gigs so I can structure each one however I want). Being a W2 might afford me some possible tax benefits such as contributing $3250 to my HSA, from the S-Corp itself, to avoid SE Taxes, as opposed to contributing to my HSA as a sole prop where there's no SE tax deduction. I wouldn't necessarily want to be a W2 through my own S-Corp for the whole year due to overhead costs of payroll, but I could potentially do it for one month, contribute the full annual HSA amount, and then be sole prop for the other 11 months.

I've also heard if I'm an S-Corp I can pay for non-reimbursable medical expenses on a pre-(SE)-tax basis. With high deductible insurance, little is covered, so maybe I could drive my annual $1k or $2k of out-of-pocket expenses to come from my S-corp and save more taxes. Not sure how this works exactly, I only read someone allude to it in another thread.

Finally, as an S-Corp, I should be able to save on SE-Taxes because right now I earn $200k as a sole prop but there's consulting firms who do the same work as me who offered me $120k as a W2 (plus benefits). I think I could take that offer letter for $120k and make a justification to the IRS that if my S-Corp earns $200k, I only have to pass $120k down to myself, pay SE Taxes on $120k, and pass through the other $80k as dividends. However, since the "FICA cap" is around $120k, maybe that won't really do anything to save taxes.

My biggest concern with this is the possible need to register as a foreign corporation in each state I do business as an S-Corp. As a sole prop, I'm free to go wherever and do consulting work. As an S-Corp, I probably have to drop up to a few hundred dollars to register my S-Corp as a foreign entity in each state I work.

Not sure if there's any benefit to having one or more of the S-Corps used this way to be taxed as a C-corp, perhaps to keep AGI down for things like Student Loan income-based repayment or to push AGI down below a threshold for a phase out. Obviously you will be double taxed on the money, but you can defer that second tax until much later, keeping your AGI down right now, which might be useful.

There may be a possibility to bypass the equal quarterly tax withholding payment rule by becoming an S-Corp as a W2 for the last few months of the year. You could maybe pay $0 in quarterly estimated payments and then as a W2 in November/December, you could withhold your entire W2 paycheck to taxes. Since W2 income tax doesn't need to be withheld equally throughout the year. Not sure if this would work or if the penalty would still apply but I have heard of married couples where the husband is self-employed, pays nothing in quarterly tax payments and the wife modifies her W4 to withhold her entire paycheck to taxes the last 2 or 3 months of the year. That might work as a single person if you can make yourself a W2 the last few months of the year.
Personal Finance Deals
g: 0 Posted By: DJKamuria
Views: 164 Replies: 0 I know this deal maybe lukewarm for some, but it is still pretty good for me.

Glade Sense & Spray is on sale for $5 and with $1.00 off coupon from Coupons.com brings this down to $4, refills is on sale for 2/$7 plus $1 off coupon from coupon.com makes it 2/$6

Also these are other deals on Glade @ CVS
WITH CARD: Glade Sense & Spray, Clean Linen Automatic Spray Starter Kit, PlugIns Scented Oil Refill 2 ct. or Automatic Spray Refill 6.2 oz. $4 w/Extracare card + $1 off couponWITH CARD: Glade Candle 3.8 oz, PlugIns Refill 0.67 oz, Fabric Spray 22 oz, S&S Refill 0.43 oz, Wax Melts 3.1 oz, Scented Oil Refills 3 ct. or Oust. 2/$6 w/ Extracare Card + $1 off coupon





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g: 7 Posted By: remick
Views: 568 Replies: 0 http://www.amazon.com/gp/product/B00JJGLUOG

This is a collection of 75 fun, challenging, and satisfying wordplay riddles! A drastically different yet essential counterpart to my first collection of riddles, Of Course!, these are easy-to-remember and fun-to-share word riddles that describe some object, thing, or place. Typically they follow a limerick-inspired rhyming structure and sometimes have pretty out-of-the-box answers.

This book is filled with the classics that many riddle-loving people will be familiar with, and also filled with many new and original riddles that you can be sure youve never heard before. The difficulty ranges from easy to quite difficult, but never are these riddles so cryptic and tricky that you wont be able to figure out the answer with enough thought. Even the simple ones feel good to solve. They are designed to be satisfying, tight, and fulfilling. It is my hope that not even one of these riddles leaves a feeling of well that was stupid or that doesnt make any sense. They are meant to be written so that as soon as you think of the solution, you are completely sure that that is the correct answer!

In case you are unfamiliar with this style of riddle, here are a few classic examples from the Classic Riddles section of the book that display the range of wordplay and styles. I dont want to spoil anything so the solution to these riddles can be found in the book! You can also use the Look Inside feature that Amazon provides to get a preview of more riddles and see if this format is something you will have fun with.

1) The more I dry, the wetter I get. What am I?
2) Forwards I am heavy, backwards I am not. What am I?
3) The poor have me; the rich need me; and you will die if you eat me. What am I?
4) You can crack me; you can make me; you can tell me; you can play me. What am I?



Math Puzzles CHALLENGER
http://www.amazon.com/Math-Puzzles-CHALLENGER-Math4Math-Games-eb...

4.5 out of 5 stars (20 customer reviews)

This is a unique Maths game book that contains a series of puzzles that would definitely test your Mathematical abilities specifically your basic Math operations, problem solving strategies, and deductive reasoning.
You will find varieties of puzzles which are distributed into three levels of difficulty (easy, medium and difficult). Each puzzle has a worked solution which provides you the application of the strategies used.
Enjoy and have fun answering these puzzles. Good luck!



Math Puzzles BRAIN TEASER
http://www.amazon.com/gp/product/B009NX9C8Q

4.4 out of 5 stars (26 customer reviews)



Puzzles & Games: 30 Optical Illusions Games & Fun Puzzles For Parents & Kids
http://www.amazon.com/gp/product/B00H4EGOP0

Watch how your eyes play tricks on you!
KINDLE SPECIAL EDITION: The Instructions are given in the book so that you can play this game on the kindle device by yourself and with your children.
Use these 3 Level Games to Challenge Your Eyes & Mind. Parents can play. Use this Game to teach your children to use their mind and eyes to play this game.
Age Level: 7 years old & up
Target audience: Adults, Teachers, Students, Teens, Children




2000s TRIVIA (TRIVIA by Todd Brock)
http://www.amazon.com/2000s-TRIVIA-Todd-Brock-ebook/dp/B00DCX6HO...

Do you know the first race that Danica Patrick won? Or who won the very first series of Survivor?
This is a short and sweet trivia book--201 trivia questions about the "me" decade of the 2000s. And I can almost guarantee that you'll find yourself scratching your head more than once.
Make sure you check out the trivia book on the 1960s, 1970s, 1980s, and 1990s as well!
Books & Magazines Deals
g: 0 Posted By: remick
Views: 59 Replies: 0 http://www.amazon.com/gp/product/B00JJGLUOG

This is a collection of 75 fun, challenging, and satisfying wordplay riddles! A drastically different yet essential counterpart to my first collection of riddles, Of Course!, these are easy-to-remember and fun-to-share word riddles that describe some object, thing, or place. Typically they follow a limerick-inspired rhyming structure and sometimes have pretty out-of-the-box answers.

This book is filled with the classics that many riddle-loving people will be familiar with, and also filled with many new and original riddles that you can be sure youve never heard before. The difficulty ranges from easy to quite difficult, but never are these riddles so cryptic and tricky that you wont be able to figure out the answer with enough thought. Even the simple ones feel good to solve. They are designed to be satisfying, tight, and fulfilling. It is my hope that not even one of these riddles leaves a feeling of well that was stupid or that doesnt make any sense. They are meant to be written so that as soon as you think of the solution, you are completely sure that that is the correct answer!

In case you are unfamiliar with this style of riddle, here are a few classic examples from the Classic Riddles section of the book that display the range of wordplay and styles. I dont want to spoil anything so the solution to these riddles can be found in the book! You can also use the Look Inside feature that Amazon provides to get a preview of more riddles and see if this format is something you will have fun with.

----------
1) The more I dry, the wetter I get. What am I?

2) Forwards I am heavy, backwards I am not. What am I?

3) The poor have me; the rich need me; and you will die if you eat me. What am I?

4) You can crack me; you can make me; you can tell me; you can play me. What am I?
Books & Magazines Deals
g: -1 Posted By: DizzyT71
Views: 120 Replies: 0 Newegg has the (Refurbished) Hisense Sero 7 Pro (M470BSA) Nvidia Tegra 3 1GB Memory 8GB Flash on sale for $89.99 with free shipping.

Compare at $129.99

7" 1280 x 800 Touch-Screen IPS Display
Nvidia Tegra 3 1.3GHz Processor
1GB RAM DDR2
8GB Flash Storage
Android 4.2 (Jelly Bean) Operating System

3/5 Eggs based on 46 customer reviews on product page.
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g: 13 Posted By: remick
Views: 2644 Replies: 2 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
Look no further. In this new book by home improvement author John Miller you'll learn the easy step-by-step methods to improve the look of your cabinets and transform your kitchen.

You'll learn:

- How to paint, repaint, stain and resurface your kitchen cabinets the right way.
- What tools and materials you absolutely must have to make the most of your project -- and what you can do without.
- When to hire a pro to do the job -- and which contractors to avoid at all costs!
- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

Books & Magazines Deals
g: 0 Posted By: bbigman45
Views: 72 Replies: 0 http://www.amazon.com/dp/B00JC2RUWIBook DescriptionPublication Date: March 28, 2014"If you have children, this book is a great choice for you to purchase. Written with a sense of understanding and wit, this book taught me some of the history behind Tauranga as well as the importance of family." Rating: 5.0 stars from Readers Favorite Reviews.

Embark on a one-of-a-kind, unprecedented, breathtaking adventure with Maya and Filippo as they travel around the globe on board the Fun Princess a cruise ship full of surprises. Discover their fascinating ports of call, find out what the local customs and traditions are, join the kids in activities at sea, and explore the remarkable world they create through the power of their positive outlook.

This time the two youngsters get into a fight and take separate paths in the port of Tauranga. Filippo visits a geyser. Maya goes to the Maori Village. They discover where real happiness comes from.
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Tingling Electronic Spidey Sense Shirt $4.99 plus $6.04 @ ThinkGeek
Added on : Monday April 07th 2014 04:00:01 PM
g: 0 Posted By: Virgil27
Views: 70 Replies: 0 Tingling Electronic Spidey Sense Shirt $4.99 plus $6.04 @ ThinkGeek

Do whatever a spider can (minus the web-shooting and proportional strength and agility of a spider) with this Tingling Electronic Spidey Sense Shirt which actually vibrates when someone tries to sneak up on you - all from ThinkGeek for $4.99 plus $6.04 shipping!

(Note: it might not work on Venom, but if Venom is sneaking up on you, you're going to need a lot more than this shirt.)
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Botched Root Canal & Crown Procedure
Added on : Sunday April 06th 2014 05:00:03 PM
g: 0 Posted By: helyn4
Views: 109 Replies: 1 Good Evening,

My dentist performed a root canal procedure that she ended up botching up. She ended up breaking the tip of her instrument and now I have that tip stuck in one of my canals. After 3 hours in the chair with no warning, she finally told me what she did when she "finished what she could" and told me I would have to go see an Endodonist right away. I still ended up having to pay her for part of the procedure which did not make sense to me. I ended up going to see an Endodontist for the next 3-4 months with them not able to get the tip out. They were going to do surgery to pull the tip out through the gum instead of pulling the tooth. I had to go see a Neurologist and have CT scans done but after all that was completed, the Endodontist (with the dentist recommendation) decided it was not in my best interest to have the surgery and was told to go back to the dentist for further evaluation. I refuse to go back to this dentist. I want to go see someone else but I want the dentist to pay for the procedures that I may need to get this corrected but how do I go about "asking" her to pay when she does not even take responsibility. I have had lawyers state that filing a claim would cost more then what I would probably get so they will not even take this case. One of the lawyers said I should go back to the dentist to ask her to pay for future treatments or pay back for all procedures already done. I do not really want to have the tooth pulled since they put a crown on the same tooth that they through would help with the "discomfort" I was experiencing but did not resolve.

Any recommendations? How would I go about "asking" her to pay for something she is clearly responsible for but unlikely to help with?
Discussion Deals
g: 0 Posted By: DaysFan
Views: 781 Replies: 3 .
http://www.lowes.com
item 331676 / 11464-0
Kohler ran a full pagead in the Los Angeles Times on Sunday, 04/06 stating that this deal is atLowes for a limited time onlyWhite 1.28-GPF/4.85-LPF 12-in Rough-in Watersense Round 2-Piece Standard Height ToiletItem #: 331676 | Model #: 11464-0So Calif Residents can apply for a rebat at
http://socalwatersmart.com/getyourrebateThe complete solution toilets are built for convenience and efficiency, providing everything you need in one box as they include the toilet bowl, toilet tank, toilet seat, wax ring and floor hardware

The complete solution toilets do not include a supply line as the length needed varies per installation

Class Five flushing technology provides tremendous bulk waste flushing performance and best-in-class bowl cleanlinessCanister flush valve provides smooth flushing actuation with consistent water usage, flush after flush

Meets strict flushing performance guidelines established by the EPA's WaterSense programQualifies as high-efficiency toilet-consumer rebates are available in certain municipalities1.28 GPF high-efficiency toilets provide significant water savings of up to 16,500 gallons per year versus an old 3.5 gallon toilet without sacrificing performanceRetail availability onlySee Full Specs
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Lowes's. Kohler Wellworth Toilet $119 reg $149
Added on : Sunday April 06th 2014 12:00:04 PM
g: 0 Posted By: DaysFan
Views: 258 Replies: 2 .
http://www.lowes.com
item 331676 / 11464-0
e complete solution toilets are built for convenience and efficiency, providing everything you need in one box as they include the toilet bowl, toilet tank, toilet seat, wax ring and floor hardwareThe complete solution toilets do not include a supply line as the length needed varies per installationClass Five flushing technology provides tremendous bulk waste flushing performance and best-in-class bowl cleanlinessCanister flush valve provides smooth flushing actuation with consistent water usage, flush after flushMeets strict flushing performance guidelines established by the EPA's WaterSense programQualifies as high-efficiency toilet-consumer rebates are available in certain municipalities1.28 GPF high-efficiency toilets provide significant water savings of up to 16,500 gallons per year versus an old 3.5 gallon toilet without sacrificing performanceRetail availability onlySee Full Specs
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Timing of applications for credit cards / auto loan
Added on : Sunday April 06th 2014 10:00:08 AM
g: 0 Posted By: DrBison
Views: 133 Replies: 0 Hi,

I'd appreciate some informed advice. I've been urging my girlfriend for years to get a credit card and she hasn't followed through. She's relied heavily on her Visa debit card and hasn't grasped the importance of the differences between credit and debit cards. There was a period where she had a Macy's card that was also a credit card (as far as I know), but that was a source of a lot of confusion and in any case the card expired. She hasn't used much credit. She has been and still is paying a student loan and at some point she had a Care Credit account (don't know the status). I think that's about it.

I'm insisting that she get a proper credit card now. I think she should get at least 2 cards now while her finances are pretty good and she should be able to get them. The plan will be to pay in full every month. There's a possibility that she'll need an auto loan for a used car in the near future. And her finances need to get oriented around being able to get a mortgage in the next few years.

If she applies for 2-3 credit cards, what timing makes sense? Does applying for 2-3 cards on the same day have any particular advantages / disadvantages? How about same week? Month? Should she get one and wait a few months to apply for another? How would these applications affect applying for an auto loan?

I've described her credit utilization. I don't know what her credit score is. She doesn't have any defaults. No medical debt. At the moment she has good income.

If people want to recommend specific cards too, that's fine. I'll recommend to her to get something pretty straightforward. First and foremost I'll recommend that she get a Visa card. I'm thinking maybe the second card should be another kind.
Question Deals
g: 0 Posted By: ctgolfer
Views: 63 Replies: 0 www.ebay.com/itm/360899204457
g: 0 Posted By: remick
Views: 68 Replies: 0 http://www.amazon.com/gp/product/B00BXJCG1S

4.6 out of 5 stars (5 customer reviews)

Thinking about refinishing your kitchen cabinets?
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- What to expect from those DIY refinishing kits, and how to budget accordingly. Hint: expect to pay more!
- How to determine what finish is on your cabinets now...and how to remove it correctly. Using the wrong stripping agent could ruin your cabinets permanently.
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John Miller takes you by the hand and walks you through the process of refinishing your kitchen cabinets the right way. This is the no-nonsense book you've been looking for -- complete with photographs to help you along. Grab your copy today!

Books & Magazines Deals
Hisense 55K610GW 55" Class Smart LED HDTV - $599.99
Added on : Friday April 04th 2014 09:00:08 AM
Do I Need Collision Insurance? To Cover Business Rental Cars?
Added on : Thursday April 03rd 2014 05:00:07 PM
g: 0 Posted By: robronson
Views: 86 Replies: 0 My collision insurance is $140/year for a $1k deductible on a $6k car. That seems excessive. I have the liquidity to drop $6k on a new car in the time it takes to write a check. I've kept it because I travel for work 4 days a week and am in rental cars. My personal car insurance said my collision covers the rental car as long as it's under 30 days of a rental and I'm not actually using the car for business. Simply driving from the hotel to the client site isn't considered a business trip, per the phone CSR, and my personal car insurance covers me.

What I can't afford is crashing a 2014 rental car and writing them a check for $20k. I understand Visa/Mastercard offers a CDW which was really confusing to me but after reading wikipedia, makes more sense. CDW = Collision Damage Waiver meaning the rental car company waives the right to charge you for damages. It's NOT insurance. It's simply the rental car company "waiving" the right to sue you for damages. What I gather this to mean from Visa/MC is that by waiving the rental company's CDW (yes, you're waiving their waiver... >.< ) then Visa/MC will pay for any damages that might occur that the waived waiver might have covered, given additional restrictions on Visa/MCs part like possibly not covering hail damage.

I don't feel the need for $140 Collision damage on my personal car given I rarely drive it, I drive safe, and I can easily write a check for $6k to buy a new car immediately if necessary. To play the odds, I feel I'm significantly less likely than a 3% chance of totaling my car in the next year (which is $160 divided by the $5k they'd pay out after the $1k deductible). I'd rather bank the $140 because on a risk-adjused basis, it's free money to cancel the policy. It would be like a $10/hand blackjack table where you started each hand with one Ace. If you can afford to lose $10 then the odds are much in your favor to gamble as often as possible.

The downside is that I don't quite know if Visa/MC is enough to cover me, given I am driving $20k+ rental cars for approximately 250 days a year. I know AMEX offers $25/rental insurance but my clients won't pay for that and I'm not paying over $1k out of pocket to AMEX for the 50 rental cars I take out during the year.

I feel dirty paying for something that I really only need for business (the $140 annual personal collision insurance) but not being able to deduct it from my business income. It's the exact opposite feeling of using my business-deductible iPhone for personal calls (which feels amazing because it's 50% off given SE, State and Federal tax). Maybe I should find a business specific policy to cover me while in rental cars and deduct that off my income?

Or maybe my personal collision policy will be cheaper than any business policy, even if I can't deduct it as an expense, because the actuaries set the cost based on the $6k value of my car and not on the $20k+ rental cars I'm actually driving 80% of the time. In that case, maybe the actuaries are significantly underestimating their risk and it's "free money" for me (in spite of not being able to deduct it, ugh).

On a side note I have $300k/$300k liability personal insurance because that's not something to cheap out on. And I definitely can't cut a check for $300k.
Question Deals
New graduate starting a business
Added on : Thursday April 03rd 2014 04:00:06 PM
g: 0 Posted By: BloodyInsane
Views: 114 Replies: 0 This is my first time posting in FWF.
The gist of it:
I'm graduating with $19,000 in student loan debt and have a 6 month grace period I want to take advantage of. I have enough savings live and pay interest during the 6 months. So, during the grace period, I want to start multiple tech business, some with partners, some without. Good idea? Bad? Best course of action? General advice?

Details:
As far as personal finances go, I think I'm a little ignorant, but as far as business finances go, I know I'm pretty much in the dark. I'm graduating in May with a computer science degree from UC Berkeley. At the time of graduation, I will have accrued about $19,000 (principal+interest) in student loan debt, $11,000 of which is unsubsidized at 6.8% and $8,000 of which is subsidized at 3.4% with a 6 month grace period after graduation. It's not a trivial amount of debt but it's also not a mountain of debt either, and I have more than enough savings to live and pay off interest during the 6 month grace period before repayment starts. I have family and friends in the software industry, and currently have job offers on the table. Let's assume employment is not a problem.

I figured, during the 6 month grace period, it would be as good a time as any to pursue my multiple side projects more seriously and try to develop them into viable businesses. Once I start working a regular job and repayment kicks in, it doesn't seem like I will never get this opportunity again, especially if I work for a company with an Intellectual Property clause and anything I do becomes theirs anyway. For two of my projects, I have partners, so we would eventually form an LLC (or possibly an S corp). For my personal software projects, I am the sole developer and will likely outsource some non-coding work to independent contractors. As such, it seems like a sole proprietorship is the way to go until I bring in long-term partners and incorporate. I also occasionally develop games on the side, and would like to form a business through which I can publish those games, also likely to be a sole proprietorship, but it's not a rush. I can't get into details about the projects, but from a development standpoint, they require little to no capital, however, they are time-sensitive ideas that need to be executed ASAP (like anything else in tech) or we risk obsoletion/being beat to the punch.

From a high-level view, does the general plan make sense? I understand it's risky, and I've hung around FatWallet enough to know that there's probably a thousand things I'm overlooking. I'm just looking for general advice and to maybe get pointed in the right direction as far as looking for legal and financial advice, or to be told it's a terrible idea and to just get a job.

Discussion Deals
g: -1 Posted By: ctgolfer
Views: 190 Replies: 0 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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Advice needed: Financing a new home before selling the existing
Added on : Tuesday April 01st 2014 04:00:12 AM
g: 0 Posted By: clouser
Views: 108 Replies: 0 I am looking for some guidance on how to purchase a new (used) home before selling our existing property. We have significant equity in our home, but with the market conditions, I expect we will need to forgo a selling contingency on the existing home to get an offer accepted on the new home. The new location is a much hotter market, and properties are selling within 24-48 hrs of listing. Our area is a good market also, but I could see it taking a couple months.

Does it make sense to apply for a large HELOC against the existing home, and use that as a down payment on the new home? Would us having an existing first and now second mortgage on the first home effect our ability to apply for a new mortgage? If we apply for the new mortgage first, would it effect our ability to get a large HELOC/HEL? Any other ideas how to best handle this?

Some numbers (all approx)

Combined income: Approx $225,000
Value of existing home: $500,000
Remaining loan on existing home: $200,000
Equity in existing home: $300,000
Existing mortgage+escrow payment is $2,800 a month (we had refi'd down to a 10 year mortgage with plans to have it paid off quickly, we had not been intending to move at the time)
New home price: $400,000 - $450,000 range

We have no dept at all other than our home. Cars are paid off, we have credit cards but carry no balances.



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g: 5 Posted By: remick
Views: 314 Replies: 2 http://www.amazon.com/gp/product/B00AQTTLVE

4.5 out of 5 stars (106 customer reviews)


This book and video course is all that you will ever need for learning guitar chords, scales, arpeggios, and basic guitar theory! Damon Ferrante, virtuoso guitarist and music professor, guides you through 240 step-by-step lessons and 32 streaming video lessons that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

This New Edition includes 32 Streaming Video Lessons! The video lessons cover guitar technique, music theory, guitar licks and solos, how to play scales and arpeggios, Jam Tracks, and developing good practice goals.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.

Ask yourself this:

1. When you solo do you normally go straight to the same old blues scale or riff?

2. Do you usually play a limited range of easy keys or chords, like A, E, G and C?

3. Do you use the same scale, lick and chord ideas over and over again?

4. Would you like to expand your playing to any position on guitar
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If your answer to any of the these questions is yes, then this book and video course is definitely for you!

Ultimate Guitar Handbook helps you get out of your rut and expand your playing throughout the guitar neck. It frees you to enliven your solos and songwriting with bold, new ideas and techniques that will help create your personal style. This book and video course will supercharge your creativity and strengthen your understanding of music. "Turn It Up to Eleven!"

This step-by-step method, used by thousands of guitarists, has been proven to reduce the effort, time, and expense of guitar learning--to make you play better than ever! You will now have everything that you need to know about chords, scales, arpeggios, alternate picking and legato playing, in order to create thrilling and memorable songs and solos for Rock, Metal, Jazz, Country, and Classical and all other styles of music. The course is designed for all levels.



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Hanon for Guitar: Inside Out (Master the Classics!)
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Pentatonic Licks & Sequences
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Presto (Master the Classics!)
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Refurb Hisense 55 Smart LED TV $499.99 @ TD
Added on : Monday March 31st 2014 04:00:03 PM
g: 0 Posted By: OverRuled
Views: 146 Replies: 0 TigerDirect is selling the refurbished Hisense 55 Smart LED TV for $499.99. Linky.

Also, 2 more items I think worth mentioning:
1. Seiki 39" 4K LED TV for $379.99 AR. Linky.
2. iCraig 7" tablet with Android 4.1 is $29.99 AR. Linky.
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g: 0 Posted By: MrsGuin
Views: 90 Replies: 0 Clip $1 coupon http://www.amazon.com/gp/product/B00HE66ZUC/ref=oh_details_o08_s00_i00
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Fire Sense Deluxe Propane Patio Heater $60 at Wayfair
Added on : Monday March 31st 2014 06:00:05 AM
g: 2 Posted By: gcubed
Views: 203 Replies: 1 First poster here!

Wayfair has the Fire Sense Deluxe Propane Patio Heater for$60with free shipping.

Wayfair Patio Heater


Our stainless steel deluxe patio heater is commercial quality and features 304 grade stainless steel. This 47,000 BTU patio heater will extend your backyard entertaining season by providing a heating radius of up to 9 feet. This high quality unit features a tip over protection system for your safety. Attached wheels provide easy mobility.

Features:

Deluxe collection
Finish: Stainless steel
Reliable Piezo igniter
Stainless steel burners and heating grid
Uses standard 20 lb LPG BBQ tank not included
Safety auto shut off tilt valve
Weighted base for stability
Convenient wheel

Specifications:

47,000 BTU's
Consumption rate (approx)10 hours
Heat range: Up to 18 Feat diameter
Assembled dimensions: 20" Base, 33" 5 Pc. Hood and 93" Height

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Tax treatment
Added on : Saturday March 29th 2014 07:00:14 PM
g: 0 Posted By: VAIndigo
Views: 188 Replies: 0 Backgound:
Bought house in July 2005 for 440k - primary 20% down payment
Market took a hit and went way south - to around 280k
May 2012 bought another house(7 miles away from first house) for 300k and moved into it
Rented first house in 2012 Aug - cashflow negative by 250 every month without considering maintenance. Market value as of that time is around 305k but county value was 280k
Market value as of today for the first house is 340 - 350k. Remaining mortgage is 310k

Old house facts:
Not sure of the real estate future in this area as the recovery in this neighborhood is sub-par compared to other areas in the region
Metro train coming within 5 miles in next 5 - 7 years which could be good and give good uplift to values
Avg to below average rental area as of today
Paying 4.75% rate

Questions:
If I sell this house today - how will the tax treatment be -- can i deduct losses?
What if i sell and buy a rental in better location (with additional funding) would it make good business sense?
From pure financials point of view - does it make sense to sell at this point?

Have other rentals too but this is my biggest dud

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Using Car Leases To Maximum Advantaged If Self Employed
Added on : Thursday March 27th 2014 07:00:06 PM
g: 0 Posted By: robronson
Views: 89 Replies: 1 As a 1099 consultant, I look for interesting, legal ways to maximize tax benefits. Here's one idea I've been toying with but I'm not entirely sure if it's legal or if it even makes sense from a financial perspective:

1) Lease a new car that you eventually want to own personally.
2) Deduct the full amount of the lease and car insurance off your business income, as the monthly payments arise
3) At the end of the 3 year lease, decide to buy out the car, but do so personally.

The benefits here are that you get to buy a 3 year old car that you have been the sole owner/driver of since it's been new. You wouldn't be able to buy a 3-year old car in that same condition for that same price and you definitely can't do it without uncertainty. You never really know what the previous owner did with that vehicle.


Discussion Deals
g: 0 Posted By: ctgolfer
Views: 172 Replies: 1 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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Free Kindle Book - 10 Buildings That Changed America (was $35.00)
Added on : Tuesday March 25th 2014 12:00:03 PM
g: 6 Posted By: remick
Views: 363 Replies: 2 http://www.amazon.com/10-Buildings-That-Changed-America-ebook/dp...

10 Buildings that Changed America tells the stories of ten influential works of architecture, the people who imagined them, and the way these landmarks ushered in innovative cultural shifts throughout our society. The book takes readers on a journey across the country and inside these groundbreaking works of art and engineering. The buildings featured are remarkable not only for aesthetic and structural reasons, but also because their creators instilled in them a sense of purpose and personality that became reflected in an overarching sense the American identity.

Edited by the staff of WTTW, the Chicago PBS affiliate that is the most-watched public television station in the country, 10 Buildings will be released alongside the national broadcast of an hour-long special by the same name. This television event will be promoted over digital media, on-ground events, and educational initiatives in schools, and the book will be a significant component to all of these elements.

10 Buildings retells the shocking, funny, and even sad stories of how these buildings came to be. It offers a peek inside the imaginations of ten daring architects who set out to change the way we live, work, and play. From American architectural stalwarts like Louis Sullivan and Frank Lloyd Wright, to modern revolutionaries like Frank Gehry and Robert Venturi, this book examines the most prominent buildings designed by the most noteworthy architects of our time.

Also profiled are Americans less noted for their architectural acumen, but no less significant for their contributions to the field. Thomas Jefferson, a self-taught architect, is profiled for designing the iconic Virginia State Capitol. Taking its inspiration from ancient Rome, America's first major public building forged a philosophical link between America and the world's earliest democracies. Similarly, Henry Ford employed Albert Kahn to design a state-of-the-art, innovative factory for Ford's groundbreaking assembly line. Reinforced concrete supported massive, open rooms without any interior dividing walls, which yields the uninterrupted space that was essential for Ford's sprawling continuous production setups. What's more, Kahn considered the needs of workers by including astonishingly modern large windows and louvers for fresh air.

The design of each of these ten buildings was completely monumental and prodigious in its time because of the architects stylistic or functional innovations. Each was also highly influential, inspiring a generation or more of architects, who in turn made a lasting impact on the American landscape. We see the legacy of architects like Mies van der Rohe or H.H. Richardson all around us: in the homes where we live, the offices where we work, our public buildings, and our houses of worship. All have been shaped in one way or another by a handful of imaginative, audacious, and sometimes even arrogant individuals throughout history whose bold ideas have been copied far and wide. 10 Buildings is the ideal collection to detail the flashes of inspiration from these architects who dared to strike out on their own and design radical new types of buildings that permanently altered our environmental and cultural landscape.
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Northwestern Mutual (help)
Added on : Tuesday March 25th 2014 10:00:14 AM
g: 0 Posted By: corporateclaw
Views: 100 Replies: 2 I will try and get as much "family nonsense" out of this post (though I do want to vomit a bunch of family nonsense on you guys here) -- basically my dad moved all/most of his retirement assets to northwestern mutual about a year ago. I'm not sure what he's in now, but it's mutual funds and investment-type things that I'm certain are not annuities. This was done because various safer investments at Vanguard were not generating "enough return" and through some sales pitch that his principal investment was "guaranteed" or protected in some way. My question is generally about that second part, I know of no way to have your principal guaranteed in this sort of investment (I know a high rate CD or annuity or something would have that protection, but I don't know how a mutual fund would have that protection). I know that NM could have that as some benefit, but I have been digging around on their site and don't see it.

So (1) does this exist and (2) I know that I"m being a little vague, but that's because I just found out about the move, so is there anything short of asking to see the current statements to figure out what/where he is that I can do?

The slightly longer story (with SOME family BS) is essentially that my parents literally no retirement savings about 7-8 years ago and myself and my wife helped them figure out how to put money together. Due to an inheritance and my mother passing away, the funds they had about 1 year ago are such that I would describe them in this way: My dad has enough money to live on until his death barring some major catastrophic event. Based on this, we put his investments in to safe, but not very aggressive Vanguard funds, because unless we dumped it all into some penny stock and he quadrupled his money overnight a couple times, there was no way that this could be increased to make up for some major catastrophic event (essentially any kind of growth that wasn't insanely risky seemed like it got him to the same place - enough money to live on unless there is a disaster, and any disaster would wipe it out barring an insanely risky investment, which would be more likely to wipe him out anyway). So about 1 year ago, I moved away from the city where my dad lives and less than a month after moving, brother in law (who used to work at NM) helped my dad move all of this into NM. I only found out because working on tax stuff my wife logged into his vanguard account and called me scared that he had been hacked since his account values were zero.

Generally, I'm washing my hands of it, but for my own personal benefit I'd like to have some idea of whether my dad just got completely run over or if this is an actual benefit at NM. (he's pretty giddy about the good return he got over the last year, since obviously middle of 2012 to now was a good time to be in more aggressive funds).
Investing Deals
Think Geek: Extra 10% Off Select Sale Items Combinable Coupon Code
Added on : Tuesday March 25th 2014 10:00:09 AM
g: 0 Posted By: SieSilverStars
Views: 288 Replies: 0 Think Geek is offering an Extra 10% Off select sale items. Linky

Use coupon code "SALEONSALE"

This can be combined with yesterdays post buy one, get any other 50% off entire site with coupon code "LLAP"

Free Shipping on orders over $75.

Offer ends 04/01/14


Notable Offers:

Tingling Electronic Spidey Sense Shirt - $13.49 after 10% off coupon
Bleeding Skull Candle - $4.49 after 10% off coupon
Star Trek Tribble Slippers w/ Sound - $13.49 after 10% off coupon





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Free copy of Hard Disk Sentinel Standard Edition for PC (was $23.00)
Added on : Tuesday March 25th 2014 07:00:02 AM
g: 0 Posted By: remick
Views: 44 Replies: 0 http://www.bitsdujour.com/software/hard-disk-sentinel

Have you ever suffered through the pain and agony of a hard drive failure? To you, it's pretty straightforward -- one day your computer is humming along smoothly, and the next day it won't boot at all. But what you may not know is that, beyond the capabilities of your human senses, a whole host of little warning signs and other signals can actually tell you when hard drive failure is imminent! That's why Hard Disk Sentinel is so important.

Hard Disk Sentinel monitors and analyzes your hard disk and solid state drives, giving you valuable feedback on the health of the drive, any performance degradations, and warning of impending failure. With Hard Disk Sentinel, you'll be able to find, test, diagnose, and even repair disk drive issues before they escalate to catastrophic status.

And you won't have to worry about getting overwhelmed with a bunch of technical babble -- Hard Disk Sentinel gives you an easily understandable description of what's going on, and offers tips on how to proceed! A laundry list of alerts and reports gives you the ultimate flexibility to determine how close you wish to monitor your drives, letting you safeguard your data at all times.

Unlike some other titles on the market, Hard Disk Sentinel is a complete monitoring solution. There's no need to purchase other tools in order to verify internal hard disks, external hard disks, SSDs, or disks in RAID arrays!

What kinds of info do you get with Hard Disk Sentinel? How about temperature, and the ability to view S.M.A.R.T. (Self Monitoring, Analysis, and Reporting Technology) data, a feature built into the latest disk drives. There's also real-time monitoring of disk transfer speeds, an important indicator of a failing hard drive!
g: 0 Posted By: Ayla
Views: 161 Replies: 0 Dollhouse Pu Double Breasted w/ Zip Front Jacket For Women - Belted - $29.99 at 6PM.com



http://www.6pm.com/dollhouse-pu-double-breasted-w-zip-front-belt...




MSRP: $75.00


Sale: $29.99



This jacket has all of the season's best accents with a no nonsense attitude.
Soft synthetic leather has a vintage, well-worn appeal.
Stand collar.
Full-front zip with faux double-breasted button embellishments.
Adjustable and removable belt for a custom fit.
Long sleeves with natural cuffs.
Zippered hand pockets.
Fully lined in a contrasting print.
70% PVC, 30% PU.
Backing: 100% polyester.
Lining: 100% polyester.
Wipe with damp cloth and spot clean interior.
Imported.
Decorative epaulets at shoulder.
Measurements:
Length: 24 in
Sleeve Length: 33 in

Product measurements were taken using size SM. Please note that measurements may vary by size.



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g: 0 Posted By: remick
Views: 0 Replies: 0 http://workshops.homedepot.com/workshops/kids-workshops

Build a Birdbath/Birdfeeder

Build a Birdbath/Birdfeeder from the new FOX film, "Rio 2", in theaters April 11.
FREE hands-on workshops; designed for children ages 5 - 12.
Offered the 1st Saturday at all The Home Depot stores between 9:00 a.m. - 12:00 p.m. Please do not arrive before 9:00 a.m.
Workshops teach children do-it-yourself skills, tool safety and instill a sense of pride and accomplishment.
All kids get to keep their craft, receive a FREE certificate of achievement, a Workshop Apron, and a commemorative pin.
One workshop kit, apron and pin per child, while supplies last.
Children must be present at the store to participate in the workshop and receive the kit, apron and pin.
Kids Workshop activities are scheduled on a first come/first served basis.
Thank you for registering online to help us better plan our craft kit quantities needed.



and on Saturday May 3rd

Build a flower planter

Come learn how to build a flower planter. Just in time for Mother's Day, this planter makes a great gift.
FREE hands-on workshops; designed for children ages 5 - 12
All kids get to keep their craft, receive a FREE certificate of achievement, a Workshop Apron, and a commemorative pin while supplies last.
Children must be present at the store to participate in the workshop and receive the kit, apron and pin.
Kids Workshop activities are scheduled on a first come/first served basis. Please do not arrive before 9:00 a.m.
Thank you for registering online to help us better plan our craft kit quantities needed.
Editors Favorites Beauty Box $20.00 h2oplus.com
Added on : Saturday March 22nd 2014 03:00:03 PM
g: 0 Posted By: DaysFan
Views: 145 Replies: 0 Editors Favorites Beauty Box100-77022-000
$20.00
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g: 0 Posted By: remick
Views: 167 Replies: 0 http://www.amazon.com/The-Study-Skills-Book-Pearson-ebook/dp/B00...

Is there a secret to successful study?The answer is yes! There are some essential skills and smart strategies that will help you to improve your results at university.

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Just turned 18, living on my own. Any financial advice?
Added on : Saturday March 15th 2014 12:00:07 PM
g: 0 Posted By: tayumi
Views: 15 Replies: 0 Sorry this is so long but please read the whole thing because everything is just really complicated

My situation right now is that I'm a high school senior, I work part-time (getting $300 a month), my mother owned the house where I live in (I say "owned" because she passed away a few days ago. The house will automatically go to my older brother, who has no use for it as he lives in a different state, so he plans on signing it over to me). It's a duplex, so right now there's a renter on the other side paying $600 a month, while I'm paying $690 a month for mortgage, $30 for water, and.. well honestly I don't know how much electric is. That, and I can probably live off about $40 a month for food, plus or minus some.

My mom owed a lot of money to people, so whenever any of her bank accounts went over about $400 they'd garnish her money. I had to have a bank account when I started my job, and being only 17 then, it had to go under her name, or she had to cosign it or something. I think in November, actually, they took about $230 from my account. Will this happen again? My card from them says her name and I've yet to talk to my bank account about this (actually it's a credit union but it's basically the same thing. I should be talking to them I guess but they're closed on weekends).

That being said, her credit rating was pretty low - about 580. So obviously the mortgage interest rate, which still has 25 years to go, is very high. It's a $70,000 house where I have to pay almost $700 a month for 30 years. I don't know the exact rate, but it's a lot that could be cut in half with a good credit score. The thing is, I have NO credit, and at this point I don't think I can afford getting credit because that would involve buying stuff, and I can't afford to pay back for the stuff that I buy, if that makes any sense.

Also, I'm guessing I'm going to owe her car too, and honestly I don't know anything about car ownership other than expensive, complicated, paperwork. I don't even have a driver's license, all I have is a permit.

Since I only get $900 a month of income, would I be eligible for foodstamps? How would I go about getting that?

Even though I'm a high school Senior and I AM college-bound, I'm taking a gap year to get everything settled down, then after that, well.. I don't know what to do with my pets, but then I'm going off to college and probably renting out the other side of the duplex, so I'd get $1200 a month from there ($1100 if I decide to be nice). Does this overall seem like a good idea?

That's about all the issues I can think of. I'd greatly appreciate any advice and suggestions!
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Free Ebooks 3-13-14
Added on : Thursday March 13th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 134 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! I am posting any books rated 4 stars or higher from FreeEbooksToday

The SharpBrains Guide to Brain Fitness: How to Optimize Brain Health and Performance at Any Age
Rating - 4.6 (37 Reviews)

Modern life places extraordinary demands on our brains. Not only do we live longer than ever before, but we must constantly adapt to complex and rapidly evolving personal and professional realities. Yet, we often ignore our most precious resource to do so: our brain.
The SharpBrains Guide to Brain Fitness cuts through the clutter of misconceptions, superficial and conflicting media coverage, and aggressive marketing claims, to help readers discover what really works, and what doesnt, to improve brain health and performance at any age, to delay or prevent cognitive decline, and become smarter consumers of both media coverage and scientific research in the process.
With useful, pragmatic and personalized tips and suggestions that are easy to implement, the SharpBrains Guide offers a groundbreaking new approach for self-assessing current brain fitness needs and identifying the most relevant and evidence-based methods to preserve and enhance brain function throughout life. Whether your goal is to become more resilient, enhance memory, ward off Alzheimers disease, or simply improve mental focus to perform better at work, this how-to guide shows you exactly how to use it or lose it.
This new and much-expanded edition of the guide AARP named a Best Book on Brain Fitness combines a user-friendly tutorial on how the brain works with advice on how to choose and integrate lifestyle changes and research-based brain training. Featuring an independent analysis of hundreds of scientific studies published in the last 10 years, the book also includes in-depth interviews with 20 leading scientists who often challenge conventional wisdom and prevailing brain health thinking and care.
A thought-provoking, practical and captivating read, the SharpBrains Guide makes the fascinating and complex subject of brain function and neuroplasticity easy to digest with its common sense approach. Its time to rethink, and to truly apply, use it or lose it.

Time Management: How To Get More Done in a Multitasking World
Rating - 5 (13 Reviews)

This book contains proven steps and strategies on how to effectively manage your time and accomplish more even if most of your resources are limited.
This compendium consists of sixteen chapters. Time management is clearly defined in the first chapters: the working principles, the basic techniques, and why it is important. Prioritization is likewise defined, and the basic tips on how to do it effectively are enumerated and explained. Also, the reasons why people procrastinate are explained so that readers will know how to avoid it. Productivity levels can also be improved by following simple steps.
You will learn throughout the chapters that no matter what kind of profession or walk of life you belong to, time management is a very important concept. Students, entrepreneurs, managers, and employees they have varied needs as far as time management is concerned. These are all discussed thoroughly in this book. While passing time, games that will help you develop your skills on time management are also suggested.
Read this book to be enlightened on just what time management is all about. Find out how you can learn to use your time more effectively.

Here Is A Preview Of What Youll Learn After Downloading Time Management Kindle book:

Time Management Techniques
15 Efficient Time Management Tips
Time Management for Entrepreneurs
Time Management for Managers
Time Management for Employees
Time Management for Students
Time Management Tools
Time Management Dos and Donts
Time Management Games
The Art of Prioritizing
Developing Time Management Skills
Set your Goals the Right Way
Productivity
Procrastination
How to Get More Work Done in 2 Hours
Time Management FAQs


How To Be Smarter: Brain Training To Learn New Things (Being Smart, How To Be Intelligent)
Rating - 5 (4 Reviews)

Have you always wanted to have a mental edge on the people around you? Would you like to know REAL ways to boost your brain function without using invasive techniques or hyped pills that are junk science? There ARE ways to get your brain motivated to learn and the best part is it doesnt even seem like work!

New discoveries are made all of the time when it comes to the brain and improving function. Learn the latest and best techniques that are backed by real results by people like you! Put as much or as little effort as you want to in it and you will still see drastic improvements right away. Download this book TODAY to find out:

The best mental exercises for brain function improvement
Science of increasing intelligence
How health affects intelligence
Importance of sleep
Things you can add to your diet that WILL make you smarter!
Download this book NOW and start doing the things you need to BE smarter tomorrow!

My Secret List of Sites that Pay (The Beginners Guide to Quick Easy Money)
Rating - 4.6 (11 Reviews)

Why is it so difficult to determine which websites will pay us real money? Most sites claim to pay, but their payment methods are rarely in the form of cash that can be sent to your bank account and used to pay the bills. In this guide, the author reveals twenty-five websites that will pay you real money. None of these websites will ever ask you for a penny to get started. Stop your search right here, because the links in this book are the only ones that you will ever need.
You do not need to have prior experience for most all of these gigs. If you do have a skill or trade, you can certainly use it to your advantage.

If the following strike your interest, then reading this guide will give you the direct links to the sites that pay, which will walk you through the process so you are confident with what you are doing.

Below are a few of the options that you will find in this guide.

Submitting product/book reviews
Editing small pieces of work for others
Giving professional or personal advice on just about anything you can think of
Getting paid to put together professional slide-shows or short videos for other companies
Posting advertisement banners on the web, and getting paid for the clicks
Making money on a blog, and getting paid to ramble about literally whatever you want
Putting together flyers/logo designs for those needing advertising
Making video testimonials for a product/business
Deciding what to charge per service (my favorite part)


There you have it. Its real, its legit, and its the quickest and easiest cash Ive ever made. Not to mention, from home.

101 Juicing Recipes: The Complete Nutrition Rich Green Vegetables and Fruits Juice Recipes for Weight Loss and Healthy Living
Rating - 4.8 (11 Reviews)

How to apply Juice Fasting Program to lose 7 lbs in 7 days with these Nutritious Rich Juice Recipes.
The juice fasting plan is a fresh fruit and veggie detox that gives the digestive system a much needed break. High vitamins, minerals, and other essential nutritional elements are the key to getting rid of built up toxins and loss of unwanted weight gain.
The Modern World Is Filled With Stressors And Pollutants That Can Be Effectively Eliminated With Fresh Juice.
A Beloved Childhood Snack, Juice Is An On The Go Option That Advances Skin And Organ Health Through Adulthood.

Fresh Fruits and Vegetables Juicing Help You to Transform Your Body For:

* Energy enhancement from oxygen rich chlorophyll.
* Blood detox heals the body by eliminating impurities.
* The immune system is strengthened so that chronic diseases linked to cancer and arterial malfunction are mitigated.
* Weight loss is precipitated with juice enzymes.
* Hair, skin, and nails sustain growth, extending their appearance, and controlling them from premature aging.
* Mental acuity in concentration, memory, and precision are improved with juice.
* Increased muscle and joint flexibility.
* Deal with Insomnia and other sleeping disorder with Juicing.
Also, You will Discover:
* How A Cleanse and Detox Program must be Successful: Ultimate Tips?
* Role of Juices to fight back with cancer!!
* How Your Kidney/Liver Function will be to Improved by Juicing?
More than 101″ Delicious Vegetables and Fruits Juicing Recipes for:
* Weight loss and Fasting
* Cleanse and Detox
* Immune Boosting
* Wrinkle Reducing
* Colon Cleanse
* Prevent & Fight for Cancer, Diabetes
* Increases your Kidney Function
* Muscles Soothing and calming
* Memory Boosting
* Your Kids
* Mental Acuity
* And More
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Added on : Monday March 10th 2014 05:00:14 AM
g: 0 Posted By: jhall1822
Views: 154 Replies: 0 Note: As always check the price of the books before you purchase, they do not stay free forever! FreeEbooksTodayposted more books than usual so I am just posting a couple of the 4+ star rated ones that stood out to me

Minimalist Living: Decluttering for Joy, Health, and Creativity
Rating - 4.7 (7 Reviews)

From About.com Readers Choice Award-winning author Genevieve Parker Hill comes a fresh new minimalism guide for everyone. If your garage, attic, closets, and surfaces are filled with clutter, all that extra stuff can get in the way of a full experience of life as it was meant to be lived. Minimalist Living covers not only techniques for decluttering, but how to fill your newfound space with meaningful activities that add joy to your life and support your goals.
This guide to simplifying for health, joy, and creativity teaches:
Why you should define your own sense of minimalism
How to create your Minimalist Mission Statement
How to use the techniques of blazing and gazing to declutter
Why decluttering now can lead to a happier, healthier, and more creative life
How to deal with sentimental items without losing their meaning
The amazing connection between minimalism and living your souls deepest purpose

Household DIY: Save Time and Money with Do It Yourself Hints & Tips on Furniture, Clothes, Pests, Stains, Residues, Odors and More!
Rating - 4.4 (10 Reviews)

n these pages, youll find methods that are helping people save hundreds of dollars.
This book contains proven steps and strategies on how you can do your own household maintenance activities without seeking help from professionals. Tips range from the manufacture of your own cleaning and hygiene products, stain removal to odor control and more. There are also some home and garden projects, as well as home improvement and craft ideas youll find interesting and useful.
These simple DIY techniques and tricks can be easily done by anyone. There are even some simple projects included that can be done at home which would not only be cost effective but financially rewarding as well!
Here is a preview of what youll learn:
*DIY Home
*DIY Cleaning Solutions
*DIY Gardening
*DIY Furniture Restoration
*DIY Odor Management
*DIY Personal Hygiene Products
*DIY Solutions to Clothing Problems
*DIY Crafts for Homeowners
DIY Resource List
*And Much, Much More!

How to Save Money at Home: A Room-by-Room Guide to Cut Spending
Rating - 4 (48 Reviews)

How to Save Money at Home: A Room-by-Room Guide to Cut Spending provides you with the know-how you need to manage your home well and inexpensively. It provides proven strategies for finding greater savings in every room of your home. With sensible and cost-effective solutions, this book will assist you in:
Saving money
Caring for your home for less
Running an affordable home
Organizing your home
Decorating on a dime
Preparing inexpensive meals
Trimming utility costs
Freeing up resources
And much more!
In short, this book will make you a pro at keeping your home comfortable for less.

CrazyBusy? One Simple Change to get your life back Productivity Book
Rating - 5 (2 Reviews)

If you are a professional looking for a personal productivity or a time management solution, this book is perfect for you.
If you already do weekly reviews but you need a better system, then this book will help you.
If youre an employee and you are tired of being CrazyBusy and are looking for a work-life balance on the road to success, this book will help.
If you are a one man army and you want to become more productive, then this book is for you.
However, if you just want to know how to do a weekly review, then continue reading.
What will I achieve by reading this book?
The book is a hands on book, and you will find the material organized into several categories designed to walk you through the process
Heres just a taste of what youll discover
Secrets of time management expert Dr. Stephen R. Covey that few people ever know about
Youll discover in just a few short minutes how to become the productivity expert you have to be to make it in todays world
When and how to work on your life plan
How to make a real change in your life
The once famous but now forgotten secret that instantly allows you to find a balance in your life
These are the results you can have in your life TODAY.
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Views: 28 Replies: 0 Good Sense Loratadine 10mg Allergy Relief Tablets (365-ct.) - $9.16 After Coupn + FS w/ Subscribe & Save at Amazon. 4.5/ 5 stars based on 85 customer reviews.

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g: 0 Posted By: ShoppingChick
Views: 51 Replies: 0 DiscountMag has House Beautiful Magazine1-Yr. Subscriptionon sale for $15.00 - $10.01 coupon code FATWALLET = $4.99 with free shipping. Order up to 3 years.

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g: 0 Posted By: unkinected
Views: 19 Replies: 0 So I've hit the income limit for contributing to a Roth IRA. I have a Vanguard Roth with about 16k in it (S&P index fund). I've been happily and automatically sending money to it each month, which I now need to stop.

Putting aside anyissues of over-contribution for a second (which may or may not be applicable - I need to do the math)...

My question is what should I do with the Roth account? The options I know about are a) recharacterize into a traditional IRA, and then go on happily contributing, or b) leave the account as-is and use the monthly contribs somewhere else. For background, I'm 35 andam currently putting into my 401k my company match plus 2.5%.

Recharacterize:
- I can keep contributing to a tax deferred account
- No tax deduction because my income is over the limit ($70k for a single in 2014), which negates any benefit for me today.
- I currently assume my tax bracket will be lower in retirement, so contributing here still makes some tax sense. This is a big question however...I'm 35 now, it's hard to guess where I'll be in ~30 years.

Keep as-is:
- Obviously I can't grow the account with contributions
- I'll get the money tax-free at retirement (which I don't think will be a ton, given the current relatively low balance)
- I can use the money I would be contributing tothe traditional IRA somewhere else.

I'm torn. Assuming my tax bracket is much lower in "retirement" then I think recharacterizing and continuing to put away money makes sense. All of my contributions should be non-deductible (assuming my income doesn't drop way down), which means only earnings are taxed (and I get a low tax bill). If I switch gears and add the money instead to my 401k, I save some tax today, but will pay for it when I withdraw. Alternatively, if I take the money and put it in long-term investments, my earnings will be taxed at long-term capital gains rates (let's assume ~15%).

A few questions: will my income tax rate in retirement be lower than the long-term capital gains rate? is the tax saved today in a 401k worth the tax when I withdraw?

Gah, so many variables, not least of which is I have no idea what life will be like in 30 years.

Would love to hear the forum's thoughts! Thanks!!!
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g: 0 Posted By: remick
Views: 192 Replies: 0 http://www.amazon.com/Public-Financial-Management-Emerging-Archi...

The first two decades of the twenty-first century have witnessed an influx of innovations and reforms in public financial management. The current wave of reforms is markedly different from those in the past, owing to the sheer number of innovations, their widespread adoption, and the sense that they add up to a fundamental change in the way governments manage public money. This book takes stock of the most important innovations that have emerged over the past two decades, including fiscal responsibility legislation, fiscal rules, medium-term budget frameworks, fiscal councils, fiscal risk management techniques, performance budgeting, and accrual reporting and accounting. Not merely a handbook or manual describing practices in the field, the volume instead poses critical questions about innovations; the issues and challenges that have appeared along the way, including those associated with the global economic crisis; and how the ground can be prepared for the next generation of public financial management reforms.
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g: 0 Posted By: LeonWhite38
Views: 221 Replies: 6 Im asking this for my mom so Ill try to explain her situation the best that I can. My mother owns her home outright, but she lets my brother and his family live there rent free while her and her husband rent a small basement apartment in town. I know thats extremely ignorant, but it is what it is. With that being said, shes about $20,000-$25,000 in debt right now and behind on her rent as well. Garnishments from a ghetto loan company called Springleaf Financial nearly wipes out each of her paychecks which just makes this whole mess that much harder on her.

She talked to a bankruptcy attorney and he told her that if she filed a chapter 7 she would lose her home as it would be sold to pay off her debts. She asked if she could put the home in one of her kids name and then file, but he said no as the bankruptcy court sees that as fraud and would instantly deny the bankruptcy. Her other option the attorney said would be to file under chapter 13 which is where her debt would be cut in half and she would be put on a payment plan through the court to pay back the rest of the debt.

The plus side obviously being that she would keep her home going this route. She asked me what I thought about her taking out a home equity lone or line of credit and I told her that Ive always heard that you NEVER EVER borrow money against your home for ANY REASON if its paid off. What do you guys think? To me going the chapter 13 route makes the most sense for her, but I wanted to get your opinions first. She's really hurting here folks and the rest of my family (I have 2 brothers and 2 sisters) really couldn't give a damn.
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g: 2 Posted By: remick
Views: 217 Replies: 0 http://www.amazon.com/dp/B00D6ZU1NC

4.5 out of 5 stars (28 customer reviews)
Length: 518 pages

Michael E.S. Gayed clearly explains how this powerful combination of major schools of thought of market analysis can help investors dramatically improve their judgment on likely market performance and spot important trends, thereby making successful investment decisions.

Intermarket Analysis and Investing begins with an overview of investment analysis that examines types of risk and portfolio structuring. Then it moves on to the three prominent schools of thought in market analysis with discussions of:

1) Economic analysis, which is primarily concerned with the state of business, and anticipates phases of economic expansion and contraction by focusing on economic indicators
2) Fundamental analysis, the most widely followed and practiced form of analysis, it looks at the accounting and financial position of companies in an attempt to evaluate intrinsic worth and true stock value
3) Technical analysis or the market-timing school, practiced by "believers in the supremacy of trend analysis," and followers of the ticker tape, It is primarily concerned with the dynamics behind the fluctuation in the price of a stock

This book also examines the positive aspects and pitfalls to contrarian investing, top-down and bottom-up market approaches, comparative market analysis, and common-sense trend analysis.

By integrating economic, fundamental, and technical quantitative analysis into a sensible working framework, Intermarket Analysis and Investing exposes the inherent short-comings of relying too heavily or exclusively on any single approach. Each school of stock market analysis is thoroughly examined so that the reader can understand each approach and how it interacts with the others.

Part II stresses the economic by analyzing the most important aspects of the business cycle, the Fed's role in managing the balance of inflation and unemployment, and factors investors should watch to tame market risk and minimize loss during downtrends.

It is here that the importance of economic indicators is emphasized, with an in-depth discussion of the 11 leading indicators that monitor the economy and help the investor anticipate long-term business trends, the four coincident indicators that help verify the predictability of the leading indicators, and the lagging indicators that help spot emerging structural trends.

Part III discusses the use of fundamental analysis, which compares the growth and finances of different securities and industry groups. It shows how earnings, sales, book value, P/E multiples, leverage, liquidity, and/or profitability of companies are used to reveal the worth of a security as an investment. The commodities market and the effect of globalization of securities markets are also examined.

Part IV shows how quantitative market analysis aids active investors in determining the short-or immediate-term direction of stocks. Intermarket Analysis and Investing shows how to improve investment decisions by integrating the best features of fundamental analysis and some well-known market timing techniques described and illustrated in this section.

The final section of the book provides insightful investment strategies that are based on the intermarket relationships previously discussed. By integrating the methods described in detail in this book, investors stand a much better chance of profiting from market opportunities and of achieving their objectives.

Michael E. S. Gayed was a former senior market analyst at Merrill Lynch where he advised financial consultants on market trends, industry group perspectives, asset allocation, and investment strategies. Mr. Gayed frequently lectured on investment analysis and portfolio structuring at the New York Institute of Finance, Merrill Lynch Training School (Princeton), St. Johns University, New York University, and the University of Arkansas. During a New York Institute of Finance (September 1987) seminar, he forecasted the sharp October sell-off using the multidisciplinary approach explained in this book. Shortly after this, he authored Challenge of a Generation - Beyond the Crash of '87 which provided his analysis of the megatrends that he believed were likely to shape the global economy in the 1990's and beyond. He went on to form successful investment management companies. His son, Michael A. Gayed, wrote the foreword to the re-released 2nd edition of Intermarket Analysis and Investing, hoping to honor him and carry on his name in his memory.

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g: 13 Posted By: remick
Views: 1436 Replies: 2 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
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Which debt to pay down first?
Added on : Thursday February 27th 2014 01:00:12 PM
g: 0 Posted By: Al3xK
Views: 190 Replies: 6 I have two debts that are screwing me now that I need to address. I'm paying PMI on my home and 9.5% interest on an unsecured pool loan. I'm thinking it makes more sense to try and remove PMI. I would feel comfortable throwing $30k at something. Here are the numbers:

Conventional home loan:

$327,000 purchase price (4/13), 5% down, original loan value $310,650 @ 3.625% interest rate
Current remaining balance $305,085
Monthly PMI: $173.45
Appraisal fee $385
I estimate the value at $370k.
PMI is scheduled to be removed at 78% LTV of the $327k purchase, so 10/21 when the mortgage is roughly $255k. I want it gone long before that

Pool loan:

$30,000 @ 9.5% for 60 months started 7/25/13.
Remaining balance $23,414, pay off is $24,322
I made one-time $5k payment to knock it down a bit


I'm thinking I pay the $385 to do the appraisal, and if the home comes in at $360k for example. I'd need to pay $17k to get to 288k and remove PMI...BUT I was thinking perhaps pay the full $30k and get it to $275k owed on a $360k property, and see if I could do a HELOC to pay the pool down? Or would it make more sense to just pay the minimum to remove PMI and the remainder to the pool loan?

For those curious, the reason I took on PMI and a 9.5% interest loan is because I was able to get 2-3 roommates bringing in $1250-1850 cash off the books...so it covered those expenses easily.
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Free Kindle Book - Building A Portrait (On Target Photo Training)
Added on : Monday February 24th 2014 05:00:11 AM
g: 1 Posted By: remick
Views: 47 Replies: 0 http://www.amazon.com/dp/B007SC0LWK

4.6 out of 5 stars (120 customer reviews)

Revised Edition with TONS of new - easy to understand - useful training!

Portraits...Taking pictures of our friends and family - it's what we all want to master! Right?
However, when we think of doing "Portraits" the word alone is kind of scary! It sounds like it should be the province of professionals. We just want to do better pictures of our kids, our pets and our friends. Leave the "portraits" to the experts - right?
Wrong! YOU can get professional quality portraits too! It's easy! Once you know a few strategic portrait photography tips and techniques, your photos will almost instantly go from "That's nice," to "WOW - you did that?"
I've run a professional photo studio for over 20 years and here is a secret - getting top level quality portraits is easy, anyone can do it! Another thing I've learned is to teach YOU how YOU can do it!
Read through "Building A Portrait" (it's written in simple, easy to understand language with lots of example photos) and within an hour or so you will have so many "Ah Ha!" moments, you'll be giggling with glee. I know that sounds corny, but try it, you'll see what I mean.
Here's the thing - as a photographer whether you're a pro or an amateur with their first camera - it's your job to make your subjects look like a million bucks! In their portrait, they should look better than they've ever looked before! Now YOU can make that happen!

Here is the table of contents showing a bit of what is covered...

Introduction:
Review -
Neutral Density Filters
Graduated Filters
Backdrops
How To Build A Portrait:
Terminology And The Overall Shape Of The Photograph
Size Matters
Composition Tips:
Make Sure Your Photographs Tell A Story
Anti - Level Shoulders
Sit Up Straight
Use The "Rule Of Thirds" If It Makes Sense
Fill The Frame
Follow The Eyes
Who is the star
Focus On The Most Important Feature - The Eyes
Depth Of Field
Skin, Love It Or Leave It
Bare Skin Continued
Beauty:
Women Should Look Sexy And Pretty, Men Should Appear Powerful
The Symmetrical Face
Sexism In Portrait Photography
Here's A Really HARD Photo Tip
Problem Area Fixes:
Differently Sized Eyes
The Crooked Nose
Acne Scarred And Wrinkled Skin
Here's A Photo Tip That May Require Some Begging
Round and Chubby Faces
The Neck Wattle
Photography Clothing Tips
The "Photographic Ground Modification System"
Photo Exercises:
Additional Photo Training:

"Building A Portrait" starts at the very beginning with something as simple as deciding on what to call your photo's shape and goes all the way through advanced concepts. You are unlikely to ever find a more thorough grounding in portrait photography techniques!

Beauty - This section is a bit more esoteric! Just what is beauty? You can't effectively show beauty in your portraits if you don't know what it IS. In this section we will examine what makes us think one person is beautiful and another isn't. These concepts are hardwired in us - and people respond!
In the "Problem Area Fixes" section, we learn how to correct for physical flaws and make our subjects look like a million bucks! Just because someone has a crooked nose, one eye larger than another, and is covered by acne - it's no reason why YOU can't get a good portrait! In fact, you will look for challenges like this because they are fun!
You'll discover what to do to "fix" a crooked nose, skin problems, wrinkles, round chubby faces (oblong faces with high cheekbones are considered beautiful in most cultures) and so on.
Check out this course volume and your portraits will improve almost immediately. Your "models" will thank you. Unless your "model" is the family pet... They won't thank you - they don't care!
Question... Have you ever had someone look at a portrait you've done and actually been moved to tears of joy? You will after reading and employing the techniques you'll learn in "Building A Portrait!"
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g: 1 Posted By: remick
Views: 51 Replies: 0 http://www.amazon.com/Breastfeeding-Problems-Tracy-B-ebook/dp/B0...

Breastfeeding is natural, but it does not always come naturally to Mom. This book will help mothers with specific breastfeeding problems, and help those who want to breastfeed longer.



Feeding Baby: Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
http://www.amazon.com/Feeding-Baby-Including-kitchenware-schedul...

Once you become a parent you realize that you have taken for granted the complexity of something as simple as nourishing your body. All of that confidence and certainty on how to eat goes right out of the window once the reality that you have to feed someone else sets in - and that someone is your brand new baby that means the world to you. This book is the book that all parents look for once that reality sets in but until now was unavailable in one location.

Cynthia Cherry has written this very informative book providing everything you need to know to feed your child from newborn to 24 months of age.
Including breast feeding, baby formula, store bought vs. homemade baby food, recipes, equipment, kitchenware, natural food, organic food, charts, scheduling, and much more!
Feeding Baby is written in an easy to read and understandable style.
In a straight forward, no nonsense fashion, Cynthia Cherry covers all aspects of feeding you baby. The book is full of sound advice and answers to all of your questions
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Starwood Award Night Prices Go UP (and some down) Effective March 4, 2014
Added on : Saturday February 22nd 2014 06:00:07 PM
g: 0 Posted By: helloimalbert
Views: 100 Replies: 0 Per TheRewardBoss.com there will bechanges to SPG categories. Pasted from the site:

Our hotel Category adjustments for 2014 will soon be in effect, and we would like to provide you with an advance look at the preliminary list of changes. Please note that we are not adding new categories or changing category pricing.
Just over 20% of hotels are changing category, of these 56% are moving down and 44% are moving up. We want to make sure youre able to maximize your Starpoints, so please review the information to decide if it makes sense to redeem before or after the changes take place starting March 4, 2014. Please note that Category changes are always subject to change, and while we make every attempt to provide you the latest, most accurate information, there may be adjustments necessary before or after the March 4, 2014 date.

Click here to view the list of changes -https://lacek.hs.llnwd.net/e1/starwood/2014categorychange/2014Ca...

Click here to view existing hotel categories -https://www.starwoodhotels.com/preferredguest/account/starpoints...

When youre ready to book, visit spg.com or contact one of our Customer Contact Centers.

Best regards,

Christopher Carman
Social Media Specialist
Starwood Hotels & Resorts Worldwide

spgchampion@starwoodhotels.com
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g: 0 Posted By: ctgolfer
Views: 79 Replies: 0 http://sellout.woot.com/offers/hisense-sero-7-lt-dual-core-table...
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Plight of the overeducated, starving scientist. Advice?
Added on : Thursday February 20th 2014 02:00:10 AM
g: 0 Posted By: Rommie2k6
Views: 117 Replies: 4 First, I would like to share my experience as an overeducated, starving scientist, and then I hope to solicit some feedback and advice from fellow FWF readers (who I assume have some level of financial literacy) on how to get out of this hole that I have dug myself into.

Foremost, let's examine on why people pursue a graduate or professional degree after getting the basic Bachelors, so we're talking PhD, MBA, PharmD, MD, etc... The high minded bullshit aside (I want to save lives, it's intellectual challenging, etc...), it's all for money. Generally, the higher your education level, the higher your salary. Most people with professional degrees easily hit $100k/yr shortly after graduation and peak at $200k-500k/yr depending on your profession.

All except me. I'm an overeducated (PhD), starving scientist, working at the interface of chemistry and biology, which is unfortunately overcrowded. I did NOT know this until I was 3 years into my degree, that I had joined an overcrowded field, where supply is way more than demand. In about a year, I'm going to graduate, and I feel royally screwed.

Here's the hole that I have dug myself into. For the past 4 years of my life, I have been preparing myself for a career in the ivory tower, i.e. professor. To be honest, a professor's salary ain't too bad, most of them earn >$100k/yr. The problem is:
a) Intense competition to get a professor position that pays well (we're talking about tenure-track positions at R1/R2 institutions for those who know the lingo, not instructor positions, not teaching positions and definitely not adjunct). In today's world, I'd say you have a 10% chance of getting it.
b) Extremely long times of temporary underpaid "holding pattern" positions between graduation and landing that coveted professor position, also known as postdoc positions. As a grad student, I earn $25k. As a postdoc I earn $40-50k. In comparison, a tech with only a bachelor degree doing "grunt work" in industry gets $50k/yr. Hell, I bet most blue collar jobs earn as much or more than I do!!! In my field, it is the norm that fresh PhD graduates do not get hired as professors. Instead, they spend 5 to 7 years postdoc-ing to get more scientific publications and just hang around until they get a job. To illustrate this problem, I know of a rising superstar in my field, he spent 17 years as a student and postdoc before he finally landed a position at a R1 institution.
c) Combining (a) and (b) together, I am taking a tremendous financial hit to my earnings and retirement. I have run "salary projections" on hypothetical scenario of academic vs industry jobs, based on what information I could gather from sources like glassdoor. I won't bog down with details, but I'll highlight two scenarios:
- For a career in industry that is equally successful (in terms of salary growth) as academia, the industry path will have AT LEAST $1 million more at retirement, which is equivalent to about $300k in today's dollars. The number is conservative, I've only used base salary for these calculations, and not bonuses which are common industry but not in the academy.
- A successful academic career (no more than 5 years postdoc, no more than 10 years for promotion to full professor) will yield the same amount of money at retirement as an industry career that is mediocre (never hitting $100k/yr, some unemployment years).
If these highlights startle you, yes I was dumbfounded as well. Numbers don't lie. The reason for the huge discrepancy comes from the first 5-10 years after graduation. A high paying industry job from the start allows one to save more, and magic of compounding interest works in your favor. Not so, if you are an academic.

Now, here is the REAL kicker. I am GOOD at doing what professors do. Going by metrics like number and quality of papers published (which is how academics are evaluated), I am one of the best students to come out from the lab, I'll say top 10% to give it a number. I've got awards/fellowships that are extremely prestigious (less than 10% success rate). For all my success and good performance, what I am getting in return? NOTHING! If I stick onto the academic path, I'm salary capped below $50k for the next 5 years, regardless of how well I do, and it's unlikely I won't hit a six figure salary until 10 years after I graduate. When I compare myself to others with professional degree, PharmD, PhD in engineering, etc..., those careers make $100k almost immediately after graduation. For those who are not in the ivory tower, I'm sure this comes off as puzzling. I've read a number of finance/career blogs on how to present yourself to get raises and stuff, and it is truly another world inside the ivory tower. There is this perverse culture in the ivory tower that we all do science because we love it and not for money. Yes, I love my work, but screw it if I am not going to see tangible returns anytime soon. The anti-money culture in my opinion is religious and cult-like within the academic world, and it's really frustrating because unlike other clueless PhDs, I am financially aware of the price I am paying.

So why not go to industry then? After all, I have been doing salary comparisons between industry and academic jobs haven't I? That's tricky, here are the considerations:
- From what I have figured, preparing for an industry career is very frequently at odds with preparing for an academic career. I have to chose. Industry values skills, academe values accomplishments and papers. To give an example, let's say that I invented a new cool method to do some sciency stuff. The smart academic will basically milk this method for all its worth and publish a gazillion papers out of it. But that would mean that I have specialized in only 1 thing for the last 5 years, and unless it so happens to fit into the needs of an industry position, that ain't going to cut it. To maximize odds of getting an industry job, one would need to have diverse set of skills with some level of depth, but that would translate to less papers, since the time spent learning new and diverse skills is time taken away from using those skills to get results and publish more papers.
- A likely scenario is that I may not get any industry job offers. What do I do then? Do a postdoc, bide my time and retool/reinvent myself as the industry guy? That's a sound plan, BUT the longer I do a postdoc, the more it makes sense to go into the academic route, especially since I am already doing so well as an academic. Remember that the source of the huge financial differences comes from the first 5 years after graduation. If I can't get an industry job immediately after graduation, and spend the next 3 or so years retooling and rebranding myself for industry and finally get a job in my 4th year after graduation, the salary numbers will look pretty similar as the academic path. Sure industry salary may be a bit higher, but the fact is that 4 years of underpaid postdoc has already happened and the damage is done.

I'm going to stop here now. I'd really appreciate comments and advice from the board. Even if you are not in this field, an outside perspective is going to be a refreshing change.

Lastly, as bit of service to the FWF community, if you know of any young idealistic punk who wants to pursue a PhD in Chemistry/Biology, tell them to run salary projections on possible career path. Honestly, I wish I did it in my first year. If I had, I would have developed myself for an industry position from day 1. But as of now, I'm way deep into the academic hole, and I can't really see any easy way out.

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Thinking of accepting an offer in CO -- Moving from Chicago
Added on : Wednesday February 19th 2014 12:00:04 PM
g: 0 Posted By: musicmaster
Views: 182 Replies: 4 Background on me: Male, 24, Single. Grew up and live in the Chicago Suburbs. Been at my current position for 20 months. Current position is in the marketing field at a F500. Current pay is 48.3 + 2k bonus + 4.5% 401K match and $1300 HSA funds per year for a total of about $53,700. I will get a 3% raise in May, making it about $55,000 even. I'd be looking at leaving my current company in the summer. I'm underpaid for my position by around $7-10,000, if not more (depending on the company. I had a co-worker leave for a position at another company for $66k+benefits with similar experience). I receive 10 vacation days per year. The company is older with very little employee development or sense of community and there is a decent amount of turnover

I have about $68,000 saved between a Roth IRA, 401K, mutual funds, stocks and my checking account.

I had applied to a position near Boulder, CO in January when I was out there for vacation. I've made it through the interview process and they presented an offer, contingent of me visiting the company. Their offer was $55,000 +2,000 relocation but they don't have HSA funds nor a 401k match. They do offer stock options though, but I am not sure of their value yet. Essentially, the situation seems to be a wash as far as salary goes. Cost of Living in the Boulder area doesn't seem to be any less expensive than Chicago suburbs.

The positives I see are: The company is much more transparent than my current one - smaller, much better work-life benefits (biking to work, younger co-workers, free lunches, 8:30-5, unlimited vacation) and the position is exactly what I'm looking for. Colorado is also much more outdoorsy than Illinois and I am a marathon runner and love hiking and camping.

The negatives I see are: No real increase in salary. If I stay in IL and get another job, I'd be looking at a 10%+ increase. I'm lucky and have been able to save about $1,000 salary per month (sharing rooms, being frugal etc) on top of my 401K. The additional $5-10k I would get staying in Chicago would go straight into savings (mutual funds). I also leave behind my friends and family.

From a financial aspect, it doesn't seem to make sense to move to CO. Even if they bump the salary up $2-3,000, I'd probably go back to IL to visit my parents 4-5 times per year, which at $300 per ticket, would cut my salary increase to only $1,500. From a work environment it's 100x better. For the outdoor opportunities, it's much better. Obviously I'd eventually make friends. One thing that worries me is the "Menver" comment about CO. I'm not a party person. Hell, my group of friends and I haven't been to the bars since New Years. So meeting people would be organic through running clubs and biking clubs etc.

Thoughts?
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Hisense 50" Class LED HDTV - $499.97
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Rosetti Women's Sue Ann Shopper $9.99 at Sears free pickup
Added on : Wednesday February 19th 2014 03:00:08 AM
g: 0 Posted By: ArtieLange
Views: 130 Replies: 0 Rosetti Women's Sue Ann Shopper $9.99 at Sears free pickup

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f you live by the motto shop till you drop, then Rosetti's Sue Ann shopper is the bag to sport on your spree. This women's faux leather purse boasts comfortable double straps, a secure zip-top closure and a classy contoured design for a stylish, no-nonsense approach to sweeping the stores and scoring the deals. You'll appreciate this practical accessory so much, you just might want to take it to work, too!

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Sony PS4 DualShock 4 Wireless Controller $49.99 at Kmart free pickup
Added on : Tuesday February 18th 2014 07:00:06 PM
g: 1 Posted By: ArtieLange
Views: 183 Replies: 0 Sony PS4 DualShock 4 Wireless Controller $49.99 at Kmart free pickup

http://www.kmart.com/sony-dualshock-4-wireless-controller/p-018W...


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Located on the top of the controller, the TouchPad offers gamers completely new ways to play and interact with games.
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Enjoy high-fidelity sound effects of games from both the TV and also from the controller. Chat with friends playing online with the bundled headset.
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Improved ergonomics means it's more comfortable to hold, while improved analog sticks and buttons mean more precise control.
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g: 0 Posted By: NantucketSunrise
Views: 222 Replies: 8 Fortunately, my teeth are in really good condition. Most dentists I have gone to in the last few decades have told me I just need onecheckup/cleaning a year, although of coursesome of them have saidthat having a 6-month checkupis always recommended.

My previous dentist retired, so last February I went to a new dentist.

I went to one of those perhaps-franchised kind of clinicsthat seem to employ various dentists who, for whatever reason, don't have their own stand-alone, long-term kind of private practice.

I went to that clinic because 1) they had a special "coupon" offerfor new patients (everything for about $70) and 2) my teeth don't have any big issues, so I knew the dentist's assessment of myteethwould be perfunctory no matter who the dentist was, and generally I just wanted to havea cleaning done by a hygienist.

The clinic required a full set of x-rays to be taken at the start of my appointment, and I was okay with that, because it had been about 3 years since I'd hada full set done, and I understand that when you go to a new practice, they like to do a full imaging.

The dentist's assessment of me was very quick - a couple of minutes - no problems, "just keep doing what you are doing". I received an adequate cleaning from the hygienist (not the best I've ever had, but I wasn't paying a whole lot for the appointment, so I had no complaints).

Now, 12 months on, I called the same clinicto book my next appointment. The full exam price applies this time,of course, and that's fine with me -- I think it's $150 or something for a cleaning by the hygienist and a look-over by the dentist.

The receptionist told me that the dentist I saw there last year has moved on to another city where he's opened up his own private practice. I asked her if my records went with him to his new practice, or if my records remain at this clinic. She said, "Oh, your records have remainedwith us -you are considereda patient of our clinic."

I asked her how much another cleaning by the hygienist & fly-by viewing by the dentist would be, and she said it would be about $150, "...and, also,naturally, our new dentist will require you to have another full set of x-rays taken because you have never been her patient before, and there would bean extra charge for those."

I replied, "But I just had a full set of x-rays taken by your clinic last year, and my teeth are in good health. You just told me that your office has all my records from my appointment there last year. Also -- I thought the full set of dental x-rays on healthy patientswas only taken about once every 5 years?"

She said, "No, you would need to have the full set repeated, because of course you would be going to a new dentist since Dr. X has left us,andnew dentistslike to start out with a full set of x-rays for theirnew patients."

Does this make sense?It doesn't seem so to me.

The typical guideline for just bite-wing (not the full mouth) x-rays foradults with no decay is only once every 2-3 years: http://my.clevelandclinic.org/services/x-rays/hic_Dental_X-rays.aspx.

Therefore, I wouldn't really want that clinic even to do bite-wings on me, since I just had a huge amount of imaging done by them last year.

I toldthe receptionist thatI'd have to think about it, and that I'd call back if I wanted to set up an appointment.

Obviously, they are trying to make money. But the ADA warns againstdoing excessive x-rays on patients. Do you think that the receptionist wassimplywrong in her information,and maybe I should call back and ask to speak to the hygienistwho cleaned my teeth last year (the receptionist said thatthis hygienistis still on staff there) to ascertain if they really would require me to do a full set of x-rays again?

If Imove on toanothernew practice somewhere else in my vicinity, they might make me do a complete set again anyway -- do you think they would?
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g: -3 Posted By: SinbadS
Views: 794 Replies: 7 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
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OFFER OVER Free Kindle Book-Master the Art of Photographic Composition
Added on : Sunday February 16th 2014 04:00:22 PM
g: 4 Posted By: remick
Views: 1907 Replies: 3 http://www.amazon.com/Master-Art-Photographic-Composition-Photog...

Owning a camera is only one half of the requirements for making a good photo. The other half is the ability to apply an understanding of the principles of design to your image. The technical side must be balanced by the artistic side, like the two wings of a bird, for your photos to excel.

The Art of Photographic Composition is a mini-course in 30 stages to guide you to an understanding of how to work with those design principles to create great shots. They are the same principles that fine art photographers, painters and other visual artists use to express themselves. These are the rules that will enable you to create a photograph that can truly be called art.

Each section has text, images which demonstrate the principle (most of them with camera data) plus exercises and ideas for you to try out. The exercises are an essential part of the process and will help you to integrate the information you have learned.

By working through the book you will build a body of knowledge, both theoretical and practical, which will lead you to a mastery of the art of photographic composition. I guarantee your photos will improve and you will be able to express yourself more creatively and capture images that are visually compelling and truly artistic.

Techniques include:
- How to frame your shots for artistic effect
- Using geometric shapes to create an underlying design
- How different types of line strengthen your composition
- Separating the subject from the background
- The power of negative space
- Pattern and rhythm as design elements in a photograph
- Silhouettes and shadows
- How to create a sense of scale
- Action and motion blur
- The importance of picture depth
- Making the most of available light
- How to tell a story in a single image
- The use of visual metaphor
- Breaking the rules for expressive effect
- Engaging the imagination
- And more!
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g: 9 Posted By: remick
Views: 1357 Replies: 1 http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...

4.6 out of 5 stars (27 customer reviews)

This book and video course is all that you will ever need for learning guitar arpeggios! Damon Ferrante, virtuoso guitarist and music professor, guides you through 120 step-by-step lessons and streaming videos that are designed to be interactive, engaging and informative. The lessons will improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.



Interval and Major Scale Theory
http://www.amazon.com/Interval-Major-Scale-Theory-DeLauney-ebook...

Interval and Major Scale Theorys intent is to go back to the fundamentals of music. This theory book delves into the basic building blocks of music and lays a good foundation for furthering your music knowledge base. This volume covers intervals, explains consonance and dissonance, elaborates on essential musical vocabulary, understanding the major scale step progression, in-depth break down of the Cycle of 5ths and the Cycle of 4ths, etc.


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g: 1 Posted By: ctgolfer
Views: 238 Replies: 1 www.ebay.com/itm/291079012922
Tablets & iPads Deals

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Covered CA (Affordable Care Act) Dilemma
Added on : Saturday February 15th 2014 01:00:11 PM
g: 0 Posted By: SinbadS
Views: 109 Replies: 0 I applied for Anthem Bronze plan on Covered CA website in Dec. 2013 and was approved. I didn't pay their premium because I later decided to choose a Minimum Coverage plan from HealthNet that has a lower premium. My first question is can I apply for a 2nd plan without cancelling the 1st one. 2nd question is I found out I I was unable to apply for Minimum Coverage plan online. Is this true? I am over 30 but I qualify for an exemption for Minimum Coverage. I sent a paper application to Covered CA 3 weeks ago but I can't confirm the status of my application (heavy call volume, etc.) I was left with an option to apply directly to HealthNet for the same plan but with a higher premium (the same exact plan through Covered CA would be cheaper). Both are unsubsidized plans but still Covered CA is cheaper. If I apply directly and sign up with HealthNet and then realize Covered CA has approved I will then be stuck with one month premium payment with HealthNet coverage for my direct application. This would be the March coverage. Would Covered CA coverage be retroactive if approved and also cover March, which means I have to pay twice for March -- one mandatory pay for direct plan application and another for the Covered CA plan if I want to choose the Covered CA plan permanently, which is cheaper and makes sense in the long run although I have to pay twice for March? P.S. I sent my paper application to Covered CA on Jan. 24. My deadline to apply (send application) directly to HealthNet for the higher-premium coverage to start on March 1 is today (can be done by fax or email) by 11:59 PM. The difference in monthly premium is ~$25.
Discussion Deals
g: 5 Posted By: remick
Views: 340 Replies: 1 http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...

4.6 out of 5 stars (27 customer reviews)

This book and video course is all that you will ever need for learning guitar arpeggios! Damon Ferrante, virtuoso guitarist and music professor, guides you through 120 step-by-step lessons and streaming videos that are designed to be interactive, engaging and informative. The lessons will improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.



Interval and Major Scale Theory
http://www.amazon.com/Interval-Major-Scale-Theory-DeLauney-ebook...

Interval and Major Scale Theorys intent is to go back to the fundamentals of music. This theory book delves into the basic building blocks of music and lays a good foundation for furthering your music knowledge base. This volume covers intervals, explains consonance and dissonance, elaborates on essential musical vocabulary, understanding the major scale step progression, in-depth break down of the Cycle of 5ths and the Cycle of 4ths, etc.


Totally Free Deals
g: 0 Posted By: remick
Views: 90 Replies: 0 http://www.amazon.com/Guitar-Arpeggio-Handbook-Edition-Technique...

4.6 out of 5 stars (27 customer reviews)

This book and video course is all that you will ever need for learning guitar arpeggios! Damon Ferrante, virtuoso guitarist and music professor, guides you through 120 step-by-step lessons and streaming videos that are designed to be interactive, engaging and informative. The lessons will improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.

Most guitarists stay locked into the same patterns and scale shapes for years, unable to break out of the dull habits and licks they first learned as beginners. This leads to creative stagnation, boring solos and songwriting, and a sense that something will always be missing from their playing.
Totally Free Deals
g: 0 Posted By: heyyl0w
Views: 146 Replies: 0 The Microsoft Store has Tomb Raider: Collector's Edition (Xbox 360) for $42.99. Shipping and returns are free. Rated M for Mature.

I've played the new Tomb Raider and it is addicting. The controls are easy, so you can focus on gameplay and Lara is so badass it doesn't even make sense.

"Follow the intense and gritty origin story of Lara Croft on her ascent from frightened young woman to hardened survivor."

This collector's edition includes:

Three iron-on badges
Weapon pack DLC
Eight-inch Lara Croft figurine
Survival tin
5 x 7-inch lithograph
15 x 19-inch double-sided island map and poster

Xbox 360 Games Deals

Microsoft Store Coupons
g: 2 Posted By: remick
Views: 199 Replies: 1 http://www.amazon.com/Master-Art-Photographic-Composition-Photog...

Owning a camera is only one half of the requirements for making a good photo. The other half is the ability to apply an understanding of the principles of design to your image. The technical side must be balanced by the artistic side, like the two wings of a bird, for your photos to excel.

The Art of Photographic Composition is a mini-course in 30 stages to guide you to an understanding of how to work with those design principles to create great shots. They are the same principles that fine art photographers, painters and other visual artists use to express themselves. These are the rules that will enable you to create a photograph that can truly be called art.

Each section has text, images which demonstrate the principle (most of them with camera data) plus exercises and ideas for you to try out. The exercises are an essential part of the process and will help you to integrate the information you have learned.

By working through the book you will build a body of knowledge, both theoretical and practical, which will lead you to a mastery of the art of photographic composition. I guarantee your photos will improve and you will be able to express yourself more creatively and capture images that are visually compelling and truly artistic.

Techniques include:
- How to frame your shots for artistic effect
- Using geometric shapes to create an underlying design
- How different types of line strengthen your composition
- Separating the subject from the background
- The power of negative space
- Pattern and rhythm as design elements in a photograph
- Silhouettes and shadows
- How to create a sense of scale
- Action and motion blur
- The importance of picture depth
- Making the most of available light
- How to tell a story in a single image
- The use of visual metaphor
- Breaking the rules for expressive effect
- Engaging the imagination
- And more!
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Refurbished Hisense Sero 7 PRO 7.0" 8GB Table ($89.99 was $199.99) @ Newegg
Added on : Wednesday February 12th 2014 10:00:13 AM
Starting a Curbside Recycling Business: A Journal
Added on : Tuesday February 11th 2014 02:00:15 PM
g: 17 Posted By: behr
Views: 3569 Replies: 46 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).

UPDATE as of 2/11/14: Got a domain that had free email so replace all mentions of the gmail account (facebook page, the survey, etc) with the new domain name branded emails.

Ordered the final surveys (again, 500 postcards to be distributed door to door [most likely IN peoples' door]).

Current expenses up to $242.46. (includes state LLC filing fee, postcards, an address stamp in case alot of folks want paper surveys, 1yr webhosting, and 3 months PO BOX rental)

Once the surveys arrive I will distribute them and wait several weeks for my 2 responses to pour in
Discussion Deals
My Time to Refinance? Help wanted.
Added on : Tuesday February 11th 2014 09:00:22 AM
g: 0 Posted By: justignoredem
Views: 47 Replies: 0 Hello folks,

I'm new to the mortgage game. I came into a relationship with my fiancee having a home already, so forgive me for some questions. I know some things might be able to be addressed in the sticky topics, but I don't feel comfortable with everything yet (including terms).

Current Information:
Yearly Income Combined (Untaxed): ~$130k
Original Mortgage Amount: $140,000
Current Mortgage Remaining: $111,000 (Just over 20% threshold?)
Mortgage APR: 5.00%
Loan Type: FHA. So we currently pay PMI until the end of this year. Refinancing would save us a little here.

We Currently pay our Mortgage + $600 - $1000 additional principal every month (depends on how good we did for the month).

My issue's are:

1) What fee's can I typically expect? A lot of people mention "Don't worry, they can roll the fee's into the loan"... I don't care, a fee is a fee, a debt is a debt. I want as least fee's as possible. I want as much equity as possible.
2) What is the best way to Refinance? I am thinking given how much additional principle we do, a 15-year at today's rates (~3.3% according to Yahoo Finance) makes the most sense.
3) As I understand, the disadvantage to refinancing is our mortgage returns to Day 1. So the majority of the beginning of the loan payments will go to Interest instead of principle. Is this true? If so, should I stick to my current 30-year?
4) Who should I refinance with? Most bang for my buck, least amount of fee's? I hear PenFed and Lending Tree from time to time here, but I'm still unsure. Any help is appreciated given my circumstances.
g: 0 Posted By: remick
Views: 95 Replies: 0 http://www.amazon.com/Anatomy-Apple-Lessons-Steve-Taught-ebook/d...

Steve Jobs, a self taught college dropout, accomplished repeated business miracles. What did he do that MBA's, tech pundits and competitors repeatedly missed? Why are they in denial about it to this day?
90 days from bankruptcy, Apple welcomed home its founder in 1996. In just a few years, Steve Jobs accomplished the impossible - Apple was now a Trillion dollar juggernaut in Music, Books, SmartPhones, Tablets, Laptops and more. Learn the often overlooked, misunderstood or misrepresented lessons that made it all possible.

Meticulous myth-busting of major Technology history through surgical cross-examination!
Apple's tale of redemption and renewal powerfully conveyed through an engaging and unforgettable storytelling...
Fresh Business lessons about what it took for Apple to return from the brink of disaster from an experienced midwestern businessman!
˃˃˃ Anatomy of an Apple turns the abstract business concepts behind Apple's astounding comeback into easily digestible everyday business lessons.From start to finish, you will be treated to a feast of life changing anecdotes, piquant down and dirty myth-busting and utterly refreshing, setting-the-record-straight facts and figures. Anatomy of an Apple is an engaging and knowledgeable romp through technology history.

Anatomy of an Apple takes us on a thrilling journey through the highs and lows of Steve's fascinating life across several business eras, including Apple, NeXT, and Pixar.

˃˃˃ Anatomy of an Apple isn't another dispassionate attempt to examine Apple in the laboratory. We get right to the heart of the real people involved and discuss the real outcomes and motivations of their actions and decisions. We present our view of each lesson in whatever form that can most benefit people trying to be successful in life and business. Some chapters are vivid stories, some are detailed history lessons, and some are concise arguments against commonly held misconceptions.

˃˃˃ How these two entities, Steve the man, and Apple the company, healed each other. Ben Klaiber been a huge business fan of Steve Jobs for years. Steve's lessons helped keep him alive in both the literal and financial senses over the harshest years of his life. The lessons of Apple's comeback were invaluable to him, but the existing books just didn't convey the lessons he saw. After a decade of meticulous research, Ben decided to write a book on Steve's and Apple's comeback from his unique perspective.

In Anatomy of an Apple - The Lessons Steve Taught Us, we learn a very different story than the one told by the other books - how these two entities, Steve the man, and Apple the company, healed each other.
Totally Free Deals
g: 0 Posted By: Gauss44
Views: 6 Replies: 0 I had an acquaintance a while back who said that she had to file bankruptcy after having a dental emergency and no dental insurance. I'm truly puzzled by this because my research indicates that Delta Dental's high individual plan (which anyone can purchase, regardless of employer) costs about $600 a year for a maximum of only $1000 of coverage. Based on those numbers, "Why would anyone bother purchasing dental insurance?," I wonder.

In the meantime, I definitely need to see the dentist myself and currently have no dental insurance myself. I could easily purchase insurance but don't see the point. (Do you?) In addition to dental maintenance like cleanings, I may have trouble ahead given that my front teeth have minor cracks near the ends and one of them is getting a white spot on it. I'm truly puzzled as to whether or not I am overlooking a substantial reason to get dental insurance?.. As far as I can tell, I should just pay out of pocket and forget insurance. ("Pay $600 for the possibility of saving $400" doesn't make sense to me.)

Do you all have dental insurance? Why? Why not? Is there a better alternative to dental insurance?
Discussion Deals
Hisense 50" Class LED HDTV - $429.97*
Added on : Sunday February 09th 2014 09:00:31 AM
Hisense 50" Class LED HDTV - $399.97*
Added on : Sunday February 09th 2014 09:00:27 AM
Save 30.00 with coupon code YAI116650 at checkout. Normally 429.97 before coupon.Now 399.97 after coupon.Offer ends Feb 17 2014 12:00AM
Starting an LLC: A Journal
Added on : Saturday February 08th 2014 04:00:05 PM
g: 0 Posted By: behr
Views: 7 Replies: 1 I wanted to chronicle the steps I took in fleshing out an idea to a business venture. Maybe it could provide entertainment or even education to others.

In advance I apologize for spelling/grammar errors and I'm pretty sure there will be some parts I don't elaborate on correctly because what I'm saying makes sense in my mind but not to someone unfamiliar with the situation.

I live in a rural FL county where curbside trash pickup is weekly, but if you want to recycle you have to take it to the county facilities, which are nothing more than three dumpsters in front of the city yard. I purchased several 32 gallon trashcans to keep my plastics and cardboard and whenever they are full I take them to the county facilities, rinse and repeat.

Full time job is insurance sales, specifically health. After March 31st open enrollment for Obamacare closes, my work position may shift to part-time, and I would like to find additional income streams.

12/26/13 -. Driving to work, while leaving my subdivision I notice hundreds of cardboard boxes out for the trash man and it makes me sad (140 houses in subdivision, each house has 5 or 6 boxes). Spend the 50 minute commute to work wondering if I could build a business out of curbside recycling.

12/26/13-01/26/14: Have been doing a lot of daydreaming about a part time curbside recycling pickup business, but it has gone nowhere. I am horrible about starting what my wife calls 'two week projects', just what they sound like. Get super into something, drop some cash or time in it, and nothing productive comes from it. (learning to play piano so bought electric keyboard, learning to play guitar so bought guitar, was talking about camping so bought sleeping bags {never used}, MANY more examples). I think this may be a two week project in the making so am leery of doing anything with it past daydreaming.

01/26/14-01/31/14: Decide to take a plunge and start figuring out what I would need to make this thing a reality. Set up a gmail account with the business name as well as a paypal account, vista print account, and facebook page. I start doing google searches to figure out the providers of recycling bins. Look up state and county rules.

01/31/14 - Present: Apply for and am approved for a business American Express, because one of the things I have learned from my research so far is that business spending from a personal account is a big no-no. Apparently 'piercing the corporate veil' can be done easier if you as an individual and the company spend from the same account. I get an AMEX first because all the business checking and savings accounts I have looked into require paperwork from the state showing the status of my registered LLC, which I do not yet have.

Complete and mail paperwork for the state. Very simple, two pages and a check for $130 (from personal account, no other way to pay it). ($125 file fee and $5 for a copy of the aforementioned status letter)

Develop a 7 question survey on survey monkey (free account currently) to gauge interest in a curbside recycling program.

Complete a sample postcard on VistaPrint. I will use the postcard to direct folks to 4 different ways to take the survey (direct to survey monkey, link on facebook to survey monkey, email for electronic copy, or mail to a po box for a hard copy.) I find a coupon code on FW for $5 off an order so the $3 sample order of postcards is free.

Receive sample postcards. Review them and change some wording, currently they look good.

Signed up for a PO Box, since at this point I would rather direct mail to that instead of home address. I know it would be very easy to find the real address from searching by the LLC name but only if folks take that step. 3 months costs $26.

Next two weeks: Upgrade survey monkey account. Currently only 100 responses are allowed on the free version. Upgrading for one month will cost $24 but will allow unlimited responses for my survey.

Order 500 postcards from VistaPrint (mentioned above) and distribute to selected neighborhoods (437 houses currently. one is 140 households, one is 130, there are several groupings of 10-12 duplexes, and several straight dead end streets that would be ideal for collection).

Purchase $50 WalMart Gift Card (this will be mentioned on the survey as a prize for one participant).

Run the survey for several weeks and then cancel the survey monkey. At this point I will decide whether or not the business is viable and move on from there.

FUTURE: What would collection look like? What would I collect with? How many bins would I order? What would pricing look like? Would I make any money? These and many more questions are completely unanswered, but for me currently there is a lot that would be spinning my wheels worrying about until I get a solid response from the survey. I am hoping for 20% response which would give me about 100 answers. No idea if that is realistic response rate or not.

Again I apologize for the fragmented and possibly incoherent setup of this post, but just thought it would be good to get this stuff down. Maybe I will make some mistakes people can learn from, and maybe I can give a little inspiration to someone on the site I am so often inspired by (but more often than not just waste my money on).
Discussion Deals
Hisense 50" Class LED HDTV - $399.99*
Added on : Saturday February 08th 2014 09:00:37 AM
Save 30.00 with coupon code YAI116650 at checkout. Normally 429.99 before coupon.Now 399.99 after coupon.Offer ends Feb 17 2014 12:00AM
g: 0 Posted By: ArtieLange
Views: 102 Replies: 0 Klipsch Synergy F-30 Premium Dual 8" Floor-standing Speaker Single $201.98 shipped at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16882780026&...






This current generation Synergy floorstander benefits from tens of years of Klipsch engineering experience and aesthetic upgrades that are representative of a new quality of craftsmanship. It offers a winning combination of powerful bass with remarkable detail and high volumes with low distortion, making it a perfect delivery source for today's advanced digital music formats.The F-30 gets all its performance thrills by employing dual 8-inch magnetically shielded IMG woofers and a 1-inch aluminum-dome compression driver coupled to an exclusive square Tractrix Horn. It also features a custom, sculpted port that is located on the front baffle near the floor for intense low-frequency extension. Available in a black finish with titanium accents, the contemporary look of the F-30 is two-fold. With its grille on, the F-30 offers a sense of elegance that nicely blends in with your home dcor, but take the grille off and you get an aggressive and powerful statement that exudes extreme performance.Because it wraps technical superiority and eye-catching cosmetics into one affordable package, the F-30 easily represents the world's greatest value in high-performance home entertainment.
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Newegg Coupons
g: 0 Posted By: kingaroonie
Views: 129 Replies: 0 I had to buy one of these today-fm transmitterIt got 24 good reviews and was only $7.85. It's rechargable through a usb port.
I'm thinking of coupling it with this deal it's a $4.50 charger (use promo code PAYDEALS = $4.49-----tnx sd)

If everything works good, I saved myself $50 on a fm transmitter from a name brand. (I only paid $18 bucks for my Sansa mp3 player, so it didn't make sense to pay more for the transmitter.)
Electronics Deals

Meritline.com Coupons
g: 0 Posted By: ArtieLange
Views: 113 Replies: 0 Klipsch Synergy B-20 Premium 5.25" Bookshelf Speakers Pair $131.98 shipped at Newegg

http://www.newegg.com/Product/Product.aspx?Item=N82E16882780029&...







The Synergy Series B-20 bookshelf loudspeaker proves that great style and performance can come in a small, affordable package. This exceptional speaker is the perfect step-up solution for a powerful full-range system that still has the benefits of a compact design. This current generation Synergy bookshelf model benefits from tens of years of Klipsch engineering experience and aesthetic upgrades that are representative of a new quality of craftsmanship.It offers a winning combination of powerful bass with remarkable detail and high volumes with low distortion, making it a perfect delivery source for today's advanced digital music formats. The B-20 gets its superior sound by employing a 5.25-inch IMG woofer and 0.75-inch magnetically shielded, aluminum-dome tweeter coupled to an exclusive square Tractrix Horn. It also features a rear-mounted port that increases efficiency and extends bass response.Available in a black finish with titanium accents, the contemporary look of the B-20 is two-fold. With its grille on, the B-20 offers a sense of elegance that nicely blends in with your home dcor, but take the grille off and you get an aggressive and powerful statement that exudes extreme performance. This rock-solid performer delivers all the awe of movie explosions and intricate musical detail that is often associated with large floorstanding models.

Exceptional Sound Quality The Klipsch Synergy B-20 Bookshelf Speaker boasts a 5.25" magnetically shielded IMG woofer, a 0.75 aluminum dome tweeter and Tractrix horn to deliver crisp highs and accurate lows for an immersive listening experience.
Magnetically Shielded The magnetically-shielded Klipsch Synergy B-20 Bookshelf Speaker can be put at any proximity to display devices such as TVs and LCD monitors without loss of sound quality caused by interference.

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Newegg Coupons
g: 0 Posted By: jessicadabears
Views: 118 Replies: 0 Good Sense Allergy Relief(100-Ct.) Diphenhydramine HCL Antihistamine, 25 mg- $3.00 (after clipping the $1 off coupon on the product page)+ FSSS at Amazon. ***This is an add-on item, cart must contain at least $25 in purchases*** 4.2 / 5 stars based on 52 customer reviews.

Compare to Benadryl Allergy active ingredient
Temporarily relieves these symptoms due to hay fever or other upper respiratory allergies: runny nose; sneezing; itchy, watery eyes; itchy nose or throat. Temporarily relieves these symptoms of the common cold: runny nose; sneezing
Coated tablet for easy swallowing
Multi-Symptom
Complete Allergy Relief

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Amazon Coupons
PineconeS Research Scam!
Added on : Tuesday February 04th 2014 01:00:08 PM
g: 0 Posted By: VerbalK
Views: 138 Replies: 3 Figure this might be relevant since I know many of us have at some point did the $5 a pop pinecone surveys. A while back I got a message in my spam box with the typical mystery shopper scam stuff, though it was a good effort (very close to the old pinecone format, though with an extra "S" for sucker). I put in my spam email address and a PO box. I didn't notice, but I did receive several more message about my approval in the spam folder.

Today I got a "check" for $2250 to assist me in testing Wal-Marts money order system, the standard send $1800 to the Philippines, keep the rest, kind of thing. Very well put together package, no obviously stilted English, or other dead giveaways... other than the "duh, why are they paying me $500 to assess the friendliness of Wal-Mart cashiers. (I could tell you they suck for free). In closer reading, there are a few giveways, capitalization in weird places, euro date format, "text only" phone numbers. I guess it makes sense filippinos would speak more idiomatically than Nigerians.

What should I do with this now? Give it to the post office to investigate mail fraud? Cash the check and flee to costa rica? Spam the text number with pictures of cats? Try to get a picture of them putting fish and bread on their head?

pineconesresearch.com is the domain, not much in the whois, phone number 202-688-8936, check came from a tina avila, 459 Country Club Rd, Newnan, GA 30265, with the name Jinni B Redmond on the fake cashiers check.
Discussion Deals
KIPLING Eldorado Small Shoulder Bag, Vibrant PInk $29.99 shipped @ Woot
Added on : Tuesday February 04th 2014 12:00:03 AM
g: 0 Posted By: ArtieLange
Views: 141 Replies: 0 KIPLING Eldorado Small Shoulder Bag, Vibrant PInk $29.99 shipped @ Woot

http://www.woot.com/offers/eldorado-small-shoulder-bag-vibrantpi...


Made from water-resistant 420 Denier nylon for rugged durability with sleek-style sense
Adjustable shoulder strap allows you to wear the bag over your shoulder or as a crossbody
Front and back zippered pockets
Hook-and-loop closure on the front flap lift up to reveal four open-top pouches that are ideal places to hold pens, a small notebook or business cards
Main flap compartment features one open-top pouch, one hook-and-loop pocket, and three card slots
Comes with signature Kipling monkey key chain
Imported

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Sell or Keep this Rental Property
Added on : Monday February 03rd 2014 11:00:18 AM
g: 0 Posted By: callthedr
Views: 83 Replies: 4 I know there are similar threads to this but when it comes to deciding whether to keep or sell a rental property, I figure each situation is unique and I wanted to see what advice people had for this situation:

We bought a condo in 2001 for $170,000, which we lived in until 2007 when we moved to another house. We now owe around $224,000 (we took equity out of it in order to get a down payment on the house we currently live in). We just did a refi eight months ago for 15 years at 3.0% so we'll have it paid off in a little less than 15 years. However, we lose around $5,000 to $6,000 a year in cash flow (although that could be lowered a bit if we keep it since we'll be able to raise the rent as the current tenant is moving out and the rent is kind of low now). And that's with having the same good tenant in there for seven years now and never having to re-paint or find a new tenant, etc. and deal with those extra costs. They were only selling for around $260,000 a few years ago but now a few have sold in the $340,000 range or even higher. Ours is not fixed up as much as some of the condos in the complex so perhaps a $330,000 selling price might be a best guess. I figure that after a few fix-ups on the place, realtor commission, taxes, etc., we could maybe walk way with $30,000 or so in cash after it's all said and done.

Our income is steady and pretty decent so we are able to absorb the cash losses without much trouble but I'm not sure it's the best thing to have a negative cash flow for 14+ more years before finally paying it off and making money off the thing. We do pay off more than $1,000 of principal each month since our interest rate is low and it's a 15 year loan, so I guess technically we're coming out ahead each year as far as net worth goes but not cash-wise.

The condo is in a nice area of Southern California, about 4 miles from the beach, so it's an area where rents and prices of houses are likely to rise over the years.

Finally, I don't want to regret getting rid of it if it doesn't make financial sense. But I'm not too fond of being a landlord and if financially, either decision is justifiable, I'd rather just not have the headache of being a landlord and have the extra savings to pay off my wife's school debt, save for kids college, etc. Any advice that people have would be appreciated. We talked to a professional advisor that we trust. I think he kind of favored keeping it but he more or less said it comes down to the question of whether or not you want to be a landlord or not. He thought if we didn't want to be a landlord, it's fine to sell since he knows we'll do something useful with the money and not just waste it. Thanks.

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Gaming the myRA (small game)
Added on : Sunday February 02nd 2014 05:00:08 PM
g: 0 Posted By: dshibb
Views: 1 Replies: 0 It's been a while since I've been on here as I've been very busy the last few months (expect to continue to be).

I thought I would chime in here on the myRA. Thisthreadwas a good start, but seemed to be filled with tangents so I figured it made sense to start a new one focused on how to actually benefit from this thing.

The details that have been mentioned already, but need to be rehashed:

As correctly pointed out it's not a new retirement account. I had a collective laugh as essentially not a single financial news writer in the media got this, right. I.e. it's not "like a Roth IRA." It IS a Roth IRA. The president doesn't have the authority to create a new tax sheltered account by executive order. He (or by extension Treasury)does however arguably have theauthority to create a new government bond or expand the usage of an existing bond.
myRA is essentially the expansion of an existing T Bill called the G Fund to non federal employees. Treasury has the authority to make this T Bill available under the **custody** of the Federal Government. Therefore, the federal government is ****becoming another custodian for small Roth IRAs****. That is all that is happening. They're just another Schwab/Fidelity/Vanguard for Roth IRAsthat only invest in one security.
Since the myRA is not a new vehicle, but a new custodian of an existing vehicle their is no expansion of contribution limits, rules, etc. for retirement accounts for anyone. It's not a way to double up on contributions or anything.


What does also need to be understood is that G-"Fund" is actually a great deal to it's purchaser and a bad deal to the US government. The "fund" is a specially created T-Bill that gets a weighted average yield of all US Treasuries with a maturity over 4 years. In effect this is a T-Bill with the yield of the 10 year Treasury.

For this reason, the bond acts as a supercharged floating rate Treasury. As rates rise long bond holders who are getting the **same** interest rate as you get in the G-Fund get hit, but you can ride the security all the way to 6%, 7%, 9% 10 year yields with no capital losses.


Now I realize it's only max $15k, but I already started trying to figure out how to game this for use for those that are under the Roth AGI limits:

The fact sheets already out are saying that people that are eligible are not only those without employer provided plans, but also those that would like to "supplement an existing plan". So it's quite clear that you can have an existing employer plan and still use this.
The fact sheets are a little vague as to whether or not it has to run through an employer to set upin the future, but practically speaking I don't think this could be an issue. It already says that if you moved employers you could continue to contribute to it regardless of what the employer wanted to do. Furthermore, lets say it required an employer to participate at first we're talking about tiny employers here who don't have 401k's so I would bet that something as simple as a TIN number would be sufficient to have a person count as an "employer". TIN's can be obtained in all of 2 minutes on a gov website. Furthermore, tiny employers don't care so I would bet that they'll just have to allow people to sign up direct without their employer in order to show any positive results anyway.
***Key language: "Account holders can build savings for 30 years or until their myRA reaches $15,000whichever comes first. After that, myRA balances will roll over to private-sector U.S. Department of the Treasuryretirement accounts." I would define the word "reaches" as when the balance hits $15k not when the account has had $15k in combined principal and earnings. So the way I read it is that as long as you prevent your account from hitting $15k and triggering the forced rollover you can keep it there for 30 years.
That's not useful without also pointing out: "Your contributions can be withdrawn tax free at anytime".
Now the last part that still needs to be figured out is whether or not you can do direct partial rollovers or 60 day rollovers with the funds. From a processing standpoint I believe the Federal Government can block the former, but from a legal standpoint (since they would have to be subject to all of the Roth IRA rules) the latter IMO would have to be legal. So at any time you could rollover pieces of this thing to another Roth IRA by simply taking a distribution and then recontributing to another Roth IRA within 60 days.
Another question is whether or not a person is barred from opening another after one previous account has already hit $15k. I would suspect yes, but that would only make things even easier and not affect your ability to take advantage of the special security.


So the way to play this vehicle is when interest rates are low and will be rising over a long time throw on a rather large payroll deduction to get about ~$13-14k into the account over 3 years and then stop the payroll deduction. This move should come with a commensurate decrease in other fixed income positions elsewhere. Then roll out blocks of money to prevent it from triggering the $15k to end the account. When interest rates are running higher and one would reasonably assume to trend lower over time then yank out almost the entire balance except a few dollars and redeploy it in a different Roth IRA within 60 days as a rollover.


Or you can also say that it's just not worth the hassle for a max $15k which is also a perfectly acceptable answer as well.
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g: 2 Posted By: remick
Views: 307 Replies: 0 http://www.amazon.com/dp/B00CISVM18

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g: 0 Posted By: remick
Views: 0 Replies: 0 http://www.amazon.com/dp/B00CISVM18

4.8 out of 5 stars (12 customer reviews)

A middle finger to everything that is wrong with the fitness industry today, Armored Core unapologetically marches to the beat of a different drum, with a no nonsense yet uncommon approach to building a brutally strong midsection, containing the most effective underground core strength techniques that exist.

This book tackles the incredibly misunderstood topic of core training and attacks the rubbish that the media churns out on the subject, in hopes of teaching you that a combination of old-school hardcore training methods and some newer cutting edge techniques is the most effective way of developing a ruthless core that helps the body act as a strong, powerful and healthy unit that hits hard on any field of play.



Aso free at the time of posting:

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g: 0 Posted By: MrVietnam
Views: 72 Replies: 0 +UP Deals 2/9-2/15

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Inheritence Fairness Question
Added on : Friday January 31st 2014 05:00:11 PM
g: 0 Posted By: investingstuff1971
Views: 5 Replies: 0 I have a philosophical question that I'd like some feedback on. I am an only child and 15 years ago (when I was in my late 20s) my mother married a man with two sons, both of whom were between 5 and 10 years older than me. A couple of years ago they created a will and I recently found out that essentially the terms are that everything is split in thirds with each of his sons and me each receiving an equal share. This struck me as unfair especially considering that prior to her retirement last year, my mother was the principle bread earner. It seems much more equitable to me that I should get half and that his two sons should split the other half. I'm wondering what other people think. I should add that this is strictly an academic question. We are not talking about a great deal of money; in fact, if their resources prove sufficient to provide for the remainder of their retirement and any necessary health care, I will consider that an absolute blessing. I would never even consider petitioning them to change the terms but I am surprised that my mother who is a smart, fair person could have such a different sense of what's equitable than I do. Who do people think are right or is this really just a grey area?
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g: 0 Posted By: bru20
Views: 227 Replies: 0 newegg

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The North Face Crevasse Daypack - $79.97 at Backcountry.com
Added on : Tuesday January 28th 2014 11:00:06 AM
g: 0 Posted By: Ayla
Views: 236 Replies: 0 the north face Crevasse Daypack - $79.97 at BackCountry.com

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g: -1 Posted By: slervik
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Adjusting 1098-T for 2012 and 2013 tax years
Added on : Monday January 27th 2014 05:00:24 AM
g: 0 Posted By: JamesPolk
Views: 122 Replies: 4 This appears to be a common issue, but I would prefer to hear from tax experts about what I can/cannot do:

I had a 1098-T issued for 2012. It included tuition for Fall 2012/Spring 2013 ($10k per semester). I filed my 2012 taxes with the full amount on the 1098-T. It would make more sense to have the 1098-T split over 2 years since I would lose the Lifetime Learning Credit for 2013 ($2,000 credit on top of standard deduction). I have asked my university to send me an adjusted 1098-T, but they haven't responded. Could I just adjust my reported 1098-T numbers down by $10k for 2012, then submit 2013 taxes with $10k in tuition expenses without a 1098-T? I feel like I would be in the right by doing that, but I'm concerned it would be automatically flagged for an audit. FWIW, the tuition for Spring 2013 was paid in January of 2013.

Suggestions?
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Free app for Android - Total Relaxation (reg $2.99)
Added on : Monday January 27th 2014 05:00:22 AM
g: 0 Posted By: remick
Views: 98 Replies: 0 http://www.amazon.com/gp/product/B007NMJ7B6

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g: 10 Posted By: ksenn
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Short-term investments for spending later
Added on : Sunday January 26th 2014 12:00:11 PM
g: 0 Posted By: RunToday
Views: 144 Replies: 4 Hey all,

I need some advice on where to drop a growing amount of money (~$1k monthly) into a place that I can get it out without too much effort at some unpredictable point in the future assuming I find something fun to do with it (dream vacation, etc). HY checking accounts are not an option because I don't enjoy working to meet their minimal requirements, and the point of having this extra money is to have fun. On the other hand, I wouldn't mind investing/experimenting in private equity because the value of holding something that may generate money is fun to me in a weird way. In that case, I wouldn't necessarily need an easy way to cash out at an arbitrary time.

I make $50k annually. In 4 years I'll make $150k (on the low side) annually, putting me in the "spend now, save later" school of thought. But, I'm still living an austere and single lifestyle now, and take in approximately $15k annually more then spending. I've maxed a Roth for 2013 and 2014. Last year I almost maxed a 401k too but decided against any 401k contributions this year (just doesn't make sense with my career and near-future salary bump).

I have about $9k in savings, growing at ~$1k/month. The plan is to keep $5k in cash holdings and put the rest in some other equity of anykind. Right now I was thinking a total bond ETF but that's kind of tame. What other options are there?
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HSBC Restricts Large Cash Withdrawals
Added on : Sunday January 26th 2014 04:00:08 AM
g: 0 Posted By: elptrainerny
Views: 39 Replies: 0 "Some HSBC customers have been prevented from withdrawing large amounts of cash because they could not provide evidence of why they wanted it, the BBC has learnt.Listeners have told Radio 4's Money Box they were stopped from withdrawing amounts ranging from 5,000 to 10,000.HSBC admitted it has not informed customers of the change in policy, which was implemented in November.The bank says it has now changed its guidance to staff.New rulesStephen Cotton went to his local HSBC branch this month to withdraw 7,000 from his instant access savings account to pay back a loan from his mother.A year before, he had withdrawn a larger sum in cash from HSBC without a problem.But this time it was different, as he told Money Box: "When we presented them with the withdrawal slip, they declined to give us the money because we could not provide them with a satisfactory explanation for what the money was for. They wanted a letter from the person involved."Mr Cotton says the staff refused to tell him how much he could have: "So I wrote out a few slips. I said, 'Can I have 5,000?' They said no. I said, 'Can I have 4,000?' They said no. And then I wrote one out for 3,000 and they said, 'OK, we'll give you that.' "He asked if he could return later that day to withdraw another 3,000, but he was told he could not do the same thing twice in one day.HSBC customer letterHe wrote to complain to HSBC about the new rules and also that he had not been informed of any change.The bank said it did not have to tell him. "As this was not a change to the Terms and Conditions of your bank account, we had no need to pre-notify customers of the change," HSBC wrote. Frustrated customersMr Cotton cannot understand HSBC's attitude: "I've been banking in that bank for 28 years. They all know me in there. You shouldn't have to explain to your bank why you want that money. It's not theirs, it's yours."Peter from Wiltshire, who wanted his surname withheld, had a similar experience.He wanted to take out 10 000 cash from HSBC, some to pay to his sons and some to fund his long-haul travel plans.Peter phoned up the day before to give HSBC notice and everything seemed to be fine.The next day he got a call from his local branch asking him to pay his sons via a bank payment and to provide booking receipts for his holidays. Peter did not have any booking receipts to show.The following day he spoke to HSBC again and this time, having examined his account, it said he could withdraw the 10,000.Belinda Bell is another customer who was initially denied her cash, in her case to pay her builder. She told Money Box she had to provide the builder's quote. Customer protectionHSBC has said that following customer feedback, it was changing its policy: "We ask our customers about the purpose of large cash withdrawals when they are unusual and out of keeping with the normal running of their account. Since last November, in some instances we may have also asked these customers to show us evidence of what the cash is required for.""The reason being we have an obligation to protect our customers, and to minimise the opportunity for financial crime. However, following feedback, we are immediately updating guidance to our customer facing staff to reiterate that it is not mandatory for customers to provide documentary evidence for large cash withdrawals, and on its own, failure to show evidence is not a reason to refuse a withdrawal. We are writing to apologise to any customer who has been given incorrect information and inconvenienced."
In a sense your money becomes pocket money and the bank becomes your parent
Money Box asked other banks what their policy is on large cash withdrawals.They all said they reserved the right to ask questions about large cash withdrawals.But none of them said they would require evidence of what the money was being used for before paying out.Douglas Carswell, the Conservative MP for Clacton, is alarmed by the new HSBC policy: "All these regulations which have been imposed on banks allow enormous interpretation. It basically infantilises the customer. In a sense your money becomes pocket money and the bank becomes your parent."t.""

From:
http://www.bbc.co.uk/news/business-25861717
Also http://www.mirror.co.uk/news/uk-news/hsbc-under-fire-after-stopp...
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g: 0 Posted By: ArtieLange
Views: 228 Replies: 0 Columbia Womens Benton Springs Full-Zip Fleece Jacket $29.99 (originally $60) at Amazon

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Added on : Thursday January 23rd 2014 09:00:17 AM
g: 1 Posted By: remick
Views: 71 Replies: 0 http://www.amazon.com/dp/B009Y7PUOG

4.6 out of 5 stars (74 customer reviews)

This book and video course is all that you will ever need for learning guitar scales! Damon Ferrante, virtuoso guitarist and music professor, guides you through 100 step-by-step lessons and streaming videos that are designed to be interactive, engaging and fun. The lessons will greatly improve your guitar technique, creativity, and understanding of music. Whether you are teaching yourself guitar or learning with a music instructor, this book and video course will take your guitar playing to a whole new level! No music reading is required.
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Also free at the time of posting:

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g: 0 Posted By: SAGAFTRA
Views: 294 Replies: 0 Link
Hisense Pulse HD Streaming Media Player w/ Google TV & Touchscreen Full Keyboard Remote!~~Product Info
Bring a world of endless HD content to your TV with this Hisense Pulse HD Streaming Media Player.Not only does the Pulse come with apps preinstalled for many popular services like Netflix, YouTube, and Pandora, it also features Google TV, allowing you to browse the web, organize, discover and search endless amounts of content.
FEATURES
Google TV Smart TV platform preinstalled
Streaming media from services like Netflix, Pandora, YouTube, Hulu, and many more
Dual-sided remote with full QWERTY keyboard & touchscreen
Cant find your remote? Use the free Google TV app for Android or iOS devices to control the Pulse using your smartphone or tablet.
HD Supported Definitions: 480i, 480P, 720P, 1080i, 1080P
Ports: HDMI, RJ-45 Ethernet, USB (for H.264/MPEG-4/AVC files)
Dimensions:4.4 x 4.4 x 1.3
Weight: 11.2 ounces
Electronics Deals

1Sale.com Coupons
Fire Sense Tivoli Torch 2-Pack $42.99 shipped @ Woot
Added on : Thursday January 16th 2014 08:00:05 PM
g: 0 Posted By: ctgolfer
Views: 223 Replies: 0 http://tools.woot.com/offers/fire-sense-tivoli-torch-2-pack
What has happened to FWF?
Added on : Thursday January 16th 2014 06:00:13 PM
g: 1 Posted By: dmlavigne1
Views: 82 Replies: 0 I have to say that the overall quality of posts has fallen in recent years. I used to think FWF was a great place to get churn/interest/arbitrage/investment advice, but lately it seems to be just a place to repost from other forums and to ask for basic finance/car accident advice. As an avid FWF poster, and thread starter (when I think it can fatten the wallets of others) I am disappointed in the overall threads. About 1 out of 100 is useful and 1 out of 10 is entertaining and gets green, the majority of the posts do not pass any sort of "does this fatten the wallets of anyone more than me?" My finger hurts from the "ignore" just based on the title. The mods do not put a stop to this non-sense and thus produces pages and pages of crap.

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

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



Discussion Deals
Advice for my mom- 69 y.o., still working, no 401K
Added on : Wednesday January 15th 2014 05:00:10 AM
g: 0 Posted By: Rubl
Views: 16 Replies: 0 Hi everyone,

I'm seeking advice for my mom who just turned 69 y/o, and she's still working. My family immigrated here about 20 years ago. Due to their life experiences they've held little to no trust in governments or stock markets. Basically, they've saved cash or invested in gold. However, my dad passed away a few years back, and essentially everything has been entrusted to me to help my mom with her finances.
Her situation is as follows:
She is still working full time (~15/hr) and hopes to continue to work for another decade, but maybe slowing down a bit.
about 100K in Cash savings - literally 40K in bills! The rest is in two savings accounts ( .9 -1.2 APR)
Social Security - 1000/ month
So, here are my questions:
1. My mom started withdrawing here SS after turning 62 (long story). Is there any sense in paying back with her pile of cash to defer her to SS to start at 69 or later?
2. She has no 401K account or IRA account. Is there any logic in opening one for her? I couldn't find much info for retirement savings after the retirement age.
3. Will we run into any issues when making deposits with all that cash?
4. What the hell do I do with the gold they've bought?

About me: I'm a devoted daughter , have very stable 90K income, and obviously, will support my mom if there is ever any need.
Thanks in advance!


Working of Money Market Funds
Added on : Tuesday January 14th 2014 09:00:06 AM
g: 0 Posted By: bobaldie
Views: 47 Replies: 1 How does the money market funds make any sense .. VMMXX - flat forever but has an expense ration of 0.17% i could never understand that. Thought Vanguard is low expense ratios, if at all it is needed.
Investing Deals
g: 1 Posted By: mmax
Views: 237 Replies: 3 True Linkswear True Sensei Men's Golf Shoes are on a special limited time sale at GPPgolf.com, they are only $29.99 and usually are $99.99. Sizes available depend on the colors you choose. A quick search of google reveals that this is an exceptional deal so far as I can tell. Most of these TrueSensei shoes seem to be priced at the $99.99 mark with the next lowest I can find being $69.99 at Amazon.

Web Link:

http://www.gppgolf.com/true-linkswear-true-sensei-golf-shoes
Shoes Deals
Hisense 55K610GW 55" Class LED Smart LED HDTV - $499.99*
Added on : Saturday January 11th 2014 09:00:13 AM
Hisense 32" LED HDTV ($169.91 compare at $254.99) @ PC Richard & Son
Added on : Friday January 10th 2014 02:00:06 PM
Hisense 32" Class LED HDTV $169.91 + FS @ PCRichard
Added on : Friday January 10th 2014 01:00:05 PM
g: 1 Posted By: fatbujy
Views: 206 Replies: 0 Hisense 32" Class LED HDTV $169.91 + FS @ PCRichard

Hisense
LED TV Deals

PC Richard & Son Coupons
ON SALE: Alviero Martini 1A Classe - Geo Print Shoulder Bag
Added on : Friday January 10th 2014 09:00:12 AM
Iconic geo print fabric and an adjustable canvas strap infuse a sense of adventure into each piece. Goldtone hardware and a detachable bag tag complete the style. Each piece is unique: the geo print map will differ from the picture shown. Signature dust bag included. Italian design.
Hand-crafted glass beads adorn a lovely sterling silver chain, giving a sense of refined luxury. Gift box included. Made in Italy.
Free Kindle Book- 5,742 days (was $13.95)
Added on : Thursday January 09th 2014 10:00:04 AM
g: 0 Posted By: remick
Views: 60 Replies: 0 http://www.amazon.com/5-742-days-Anne-Marie-Cockburn-ebook/dp/B00HDDM1V8

On 20th July 2013 15-year-old Oxford schoolgirl Martha Fernback died suddenly after swallowing half a gram of MDMA powder, more widely known as ecstasy. Within hours her mother, Anne-Marie Cockburn, began to write down her feelings as a way to channel her shock and try to make sense of the tragic loss of her only child. From an early age Anne-Marie has used writing to try to make sense of her life. This recent tragedy propelled her out of the shadows and gave her the confidence to share her writing with the world. In this book we join her in real time on her shocking and agonising journey, as she deals with the impractical demands placed upon a grieving single parent, begins to cope with the realities of life on her own and faces up to a future she could never have predicted. From the moment Martha died, Anne-Marie recognised that she still had a future, a life to live. This revealing, emotional and, ultimately, uplifting book shows how she used the art of writing, combined with determined self-belief, to guide her during this terrible time.

I JUST FINISHED READING THE BEGINNING OF THE BOOK - IT OVERPOWERS YOU
Books Deals

Amazon Coupons
Cleaning Supply Coupons (Drano, Windex, Scrubbing Bubbles, and Pledge)
Added on : Tuesday January 07th 2014 12:00:14 PM
g: 0 Posted By: ArtieLange
Views: 122 Replies: 0 .These coupons for cleaning supplies just became available. Print them while you can!

$0.55 off any Drano Product
$1.00 off any Windex Touch-Up Cleaner Product
$1.00 off any TWO Windex Products
$1.00 off 2 SB All Purpose Cleaners with fantastik
$1.00 off 2 SB Bath Cleaning Products
$1.50 off any TWO Pledge Furniture Care Products
$1.50 off 2 SB Toilet Cleaning products

Remember, if you cant or dont use all of your coupons, dont forget to pay it forward.

Credit goes to commonsensewithmoney newsletter
Household Deals
g: 0 Posted By: ctgolfer
Views: 13 Replies: 0 http://tools.woot.com/offers/fire-sense-charcoal-grill-stainless
Home & Garden Deals

woot! Coupons
Johnny Cash The Legend (Box Set) @ www.walmart.com
Added on : Monday January 06th 2014 05:00:07 PM
g: 1 Posted By: jaymanthegreat
Views: 289 Replies: 0 The Legend (Box Set)

Online Price: $29.88

List Price: $49.98

You Save: $20.10 (40%)

Track Listings:

Disc 1 (of 4):
1.Keep On The Sunny Side
2.Diamonds In The Rough
3.(There'll Be) Peace In The Valley
4.Were You There (When They Crucified My Lord)
5. Another Man Done Gone - Johnny Cash & Anita Carter
6.Pick The Wildwood Flower
7. Jackson
8.If I Were A Carpenter
9. Girl From The North Country
10.One More Ride
11.You Can't Beat Jesus Christ
12.There Ain't No Good Chain Gang - Johnny Cash, Waylon Jennings
13.We Ought To Be Ashamed
14.Crazy Old Soldier - Featuring Ray Charles
15. Silver Haired Daddy Of Mine
16. Listen Who's Gene Autry?
17. The Night Hank Williams Came To Town
18.I Walk The Line (Revisted)
19.Highwayman - Featuring Kris Kristofferson
20.The Wanderer
21.September When It Comes
22.Tears In The Holston River
23.Far Side Banks Of Jordan
24.It Takes One To Know Me

Disc 2 (of 4):
1. I Walk The Line
2.There You Go
3.Home Of The Blues
4.Ballad Of A Teenage Queen
5.Guess Things Happen That Way
6.The Ways Of A Woman In Love
7. Don't Take Your Guns To Town
8.Ring Of Fire
9. The Matador
10.Understand Your Man
11.The Ballad Of Ira Hayes
12.Orange Blossom Special
13.The One On The Right Is On The Left
14.Rosanna's Going Wild
15.Folsom Prison Blues
16.Daddy Sang Bass
17.A Boy Named Sue
18.What Is Truth
19.Sunday Mornin' Comin' Down
20.Flesh And Blood
21.Man In Black
22.A Thing Called Love
23.Kate
24.Oney
25.Any Old Wind That Blows
26.One Piece At A Time
27. (Ghost) Riders In The Sky

Disc 3 (of 4):
1.The Wreck Of The Old 97
2.Rock Island Line
3.Goodnight Irene
4.Goodby, Little Darlin'
5.Born To Lose
6.Walking The Blues
7. Frankie's Man, Johnny
8.Delia's Gone
9.In The Jailhouse Now
10.Waiting For A Train
11.Casey Jones
12.The Legend Of John Henry's Hammer
13.I've Been Working On The Railroad
14.Sweet Betsy From Pike
15.The Streets Of Laredo
16.Bury Me Not On The Lone Prairie
17. Down In The Valley
18.Wabash Cannonball
19.The Great Speckle Bird
20.Wildwood Flower
21.Cotton Fields
22.Pick A Bale O' Cotton
23.Old Shep
24.I'll Be All Smiles Tonight
25. I'm So Lonesome I Could Cry
26.Time Changes Everything

Disc 4