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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.
Beauty Deals

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


Home & Garden Deals

Amazon Coupons
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

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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...
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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
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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

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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

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

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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.


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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.
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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...
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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.
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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
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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.

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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.
Watches Deals
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.
Watches Deals
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.

www.sears.com/shc/s/p_10153_12605_04651132000P
Appliance Deals

Sears Coupons
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.



The Happy Family: A Blueprint for a More Joyful, Balanced and Fulfilling Family Life
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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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Do Wit Yourself on Father's Day! Truly Awesome Dad Jokes
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The Special Needs Parent Handbook - SPECIAL EDITION
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100 Favorite Kids Meals- Kid Friendly Dinner Recipes (Family Menu Planning Series)
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To My Sons: Lessons for the Wild Adventure Called Life
http://www.amazon.com/dp/B007355AU0
Books Deals

Amazon Coupons
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
http://www.amazon.com/gp/product/B00CUT359M
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.
First-rated (48 dBA) makes it among the quietest in its class
A six-layer door and special insulation system significantly minimizes noise during operation
Only 4 gal. of water used per cycle saves on water usage
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
With the Adjustable Racking System, the flexible and easy to use design frees up more space on the top rack for tall and over sized items
With the Adjustable Racking System, This Samsung Dishwashers fits more dishes with space for 15 place settings
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Stainless-steel tub retains its attractive shine cycle after cycle, year after year

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Home Depot Coupons
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.

Watches Deals

Best Buy Coupons
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


http://home.woot.com/offers/breville-juice-fountains-4-styles



Appliance Deals

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

www.newegg.com/Product/Product.aspx?Item=N82E16834738001
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
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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

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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)
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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
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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

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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:
~~~~~~~~
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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:
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~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~~


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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:
~~~~~~~~
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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
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Simple operationjust press the Clean button and Roomba does the rest
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Shipping Note: Eligible for shipping to all 50 states

Warranty: 90 Day irobot
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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.

www.ebay.com/itm/331205647341
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

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

www.sears.com/shc/s/p_10153_12605_02871221000P
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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?
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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.
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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
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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.
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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
Totally Free Deals
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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Amazon Coupons
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!
New User Question Deals
g: 0 Posted By: Revenant
Views: 50 Replies: 0 (Refurbished) Hisense Sero 7 Pro 7" Android 4.2 Jelly Bean Quad Core Tablet- $88.99 w/ FS at Newegg

​LINK

1.3GHz NVIDIA Tegra 3 Quad-Core CPU
7" Touchscreen (1280x800)
1GB DDR2 Memory
8GB Flash Memory
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Back 5MP webcam and front 2MP webcam
NFC

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g: 0 Posted By: tedhawkins
Views: 191 Replies: 0 Precimax Men's PX12202 Carbon Pro Black Dial Watch $58.99 FS @ areatrend

http://www.areatrend.com/precimax-px12202-watch-1681886965.aspx

While staying true to a classic watch design, these high-quality timepieces incorporate modern features and new age functionality to create unparalleled watches with accuracy and durability in mind. Centered on a no-nonsense, black carbon fiber dial, the black stainless steel case houses a precise chronograph movement to ensure optimum timekeeping and accurate display. The stainless steel case is adhered to the wearer by means of a high-quality black stainless steel band and reliable fold-over clasp, promising secure placement when on the go. Additional features include date function, unidirectional bezel, luminous hands, and a 100m water resistance.


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g: 0 Posted By: tedhawkins
Views: 0 Replies: 0 Precimax Men's PX12202 Carbon Pro Black Dial Watch $58.99 FS @ areatrend

http://www.areatrend.com/precimax-px12202-watch-1681886965.aspx

While staying true to a classic watch design, these high-quality timepieces incorporate modern features and new age functionality to create unparalleled watches with accuracy and durability in mind. Centered on a no-nonsense, black carbon fiber dial, the black stainless steel case houses a precise chronograph movement to ensure optimum timekeeping and accurate display. The stainless steel case is adhered to the wearer by means of a high-quality black stainless steel band and reliable fold-over clasp, promising secure placement when on the go. Additional features include date function, unidirectional bezel, luminous hands, and a 100m water resistance.

g: 0 Posted By: st4rdust
Views: 240 Replies: 0 Amazon has the PlayStation 3 Dualshock Wireless Controller(Classic White) for $29.99 with Free Super Saver Shipping on orders of $35 or more.

4.2/5 based on 4,284 customer reviews.

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

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g: 0 Posted By: st4rdust
Views: 139 Replies: 0 Best Buy has the PlayStation 3 Dualshock Wireless Controller(Classic White) for $29.99 with free in-store pickup or free shipping. It is also available herefrom Amazon - a better deal if you get free 2-day shipping from Prime.

Positive customer reviews - 4.7/5 based on 985 at Best Buy, and 4.2/5 based on 4,284 at Amazon.

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 PlayStation 3 system can support up to seven wireless controllers at one time

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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
Link: http://www.amazon.com/dp/B00JRDA52O

78. Apple for President! (The Presidential Essays)
by William Keiper
Rating: 4.8/5 by 16 reviews
Link: http://www.amazon.com/dp/B00880ENYS

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
Link: http://www.amazon.com/dp/B00BVQDBKI

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
Link: http://www.amazon.com/dp/B00AVZTUOG

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
Link: http://www.amazon.com/dp/B00JQN6SGC

84. Matter of Trust
by Jeff Erno
Rating: 4.8/5 by 15 reviews
Link: http://www.amazon.com/dp/B00IEQPSGS

85. Free My Heart of Grief to Love
by Sandra Moore Bernsen
Rating: 4.6/5 by 15 reviews
Link: http://www.amazon.com/dp/B006843TWI

86. How To Build a Website With WordPress...Fast! (3rd Edition - Read2Learn Guides)
by Kent Mauresmo
Rating: 4.5/5 by 15 reviews
Link: http://www.amazon.com/dp/B00GEKWLO8

87. The Perfect Pie: A Handbook for Pie Lovers
by Dennis Weaver
Rating: 4.9/5 by 14 reviews
Link: http://www.amazon.com/dp/B00ICSFA3E

88. Emotional Intelligence - The Ultimate Guide To Develop Your Emotional Intelligence And Improve Your Communication...
by Patrick Cogen
Rating: 4.6/5 by 14 reviews
Link: http://www.amazon.com/dp/B00JMBYDSI

89. End of the Road (The Rozzers)
by Diem Burden
Rating: 4.6/5 by 14 reviews
Link: http://www.amazon.com/dp/B0080ZWWFS

90. How to Grow Organic Vegetables: Your Guide To Growing Vegetables in Your Organic Garden
by Kelly T Hudson
Rating: 4.1/5 by 14 reviews
Link: http://www.amazon.com/dp/B00D3COZOO

91. Gems from Warren Buffett - Wit and Wisdom from 34 Years of Letters to Shareholders
by Mark Gavagan
Rating: 3.9/5 by 14 reviews
Link: http://www.amazon.com/dp/B008G6S37M

92. 17 Flower Craft Ideas: How to Make Paper Flowers, Easy Fabric Flowers and More
by Prime Publishing
Rating: 3/5 by 14 reviews
Link: http://www.amazon.com/dp/B00IPN4E6K

93. It's Paleo Not Rocket Science - Simple, Quick, Easy and Delicious Paleo Recipes For Busy People
by Madison Grace
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HL83YE8

94. Cobbler - The Ultimate Recipe Guide
by Jennifer Hastings
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00BLTUYS2

95. SOAP: How to Make Natural Handmade Soap. (A Home Life Book)
by Melinda Rolf
Rating: 4.7/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HCQUK32

96. Never Let You Go
by Sabrina Devonshire
Rating: 4/5 by 12 reviews
Link: http://www.amazon.com/dp/B00I9N7Y4U

97. 47 Ronin: The Legend Reborn
by NBCUniversal
Rating: 4/5 by 12 reviews
Link: http://www.amazon.com/dp/B00HX2J2UC

98. Matcha Green Tea Melt & Pour Soap Recipe
by Lisa Maliga
Rating: 3.8/5 by 12 reviews
Link: http://www.amazon.com/dp/B00I9KZHYC

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.

The GS1100-16 is a 16-port 10/100/1000 switch and protects your existing network investments while providing you with a straightforward migration path to faster Gigabit speeds.

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The ZyXEL GS1100-16 offers environmental efficiency with Gigabit Ethernet speeds critical for next-generation network applications. To comply with the IEEE802.3az standard, the GS1100-16 provides power saving functions to reduce energy consumption to help business save cost.Inactive link detection:
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The devices equipped with this green feature can automatically detect the length of connected Ethernet cables and adjust power usage accordingly. The shorter the cable length, the less power it consumes.

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Since the fanless design ensures quiet operation in small office spaces, the GS1100-16 is the perfect solution for small business and SOHO office deployments.

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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

Networking Deals

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

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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.

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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!

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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/?#

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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





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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)

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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.

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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.
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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...





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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
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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).
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Wireless network connectivity
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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.
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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
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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.
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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
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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.
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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.
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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)

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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.

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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

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Comes with either a 90 Day Yugster Warranty or an optional 2 Year Extended Warranty

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g: 0 Posted By: ctgolfer
Views: 100 Replies: 0 Type: 7" Tablet
LCD: 1024600
Touch Panel: 5 point multi-touch
RAM: 1GB
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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
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Model: E270BSA
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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!
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g: 0 Posted By: ctgolfer
Views: 125 Replies: 0 Seamless Connection to Geocaching.com User Community - Easily connect to the #1 user community for geocaching and perform "Send to GPS", create and sync Pocket Queries, and upload Field Notes
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Brand: Magellan
Model: EXPLORISTGC
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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.
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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?



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Make sure you check out the trivia book on the 1960s, 1970s, 1980s, and 1990s as well!
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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?
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g: 13 Posted By: remick
Views: 2644 Replies: 2 http://www.amazon.com/gp/product/B00BXJCG1S

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Thinking about refinishing your kitchen cabinets?
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- 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!
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- The proper way to measure the square footage of your cabinets so that you don't overspend on materials.

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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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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?
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g: 0 Posted By: DaysFan
Views: 781 Replies: 3 .
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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
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Added on : Sunday April 06th 2014 12:00:04 PM
g: 0 Posted By: DaysFan
Views: 258 Replies: 2 .
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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.
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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?
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!

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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.

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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.



Personal Finance Deals
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.

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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.



also free today

Practice Power: Secrets to Practicing and Playing Amazing Guitar
http://www.amazon.com/Practice-Power-Secrets-Practicing-Playing-...

Climbing the K2: Kreutzer Etude #2 (Master the Classics!)
http://www.amazon.com/Climbing-K2-Kreutzer-Master-Classics-ebook...

Hanon for Guitar: Inside Out (Master the Classics!)
http://www.amazon.com/Hanon-Guitar-Inside-Master-Classics-ebook/...

Pentatonic Licks & Sequences
http://www.amazon.com/Pentatonic-Licks-Sequences-Dan-Green-ebook...

Presto (Master the Classics!)
http://www.amazon.com/Presto-Master-Classics-Dan-Green-ebook/dp/...

Books Deals

Amazon Coupons
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.
LED TV Deals

Tiger Direct Coupons
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
Health Deals

Amazon Coupons
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

Home & Garden Deals

Wayfair Coupons
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

Tax Deals
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...
Android Tablets Deals

1Sale.com Coupons
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.
Books Deals

Amazon Coupons
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





Home & Garden Deals

ThinkGeek Coupons
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.



Clothing Deals

6PM Coupons
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
http://www.h2oplus.com/product/editors+favorites+beauty+box.do http://images.h2oplus.com/images//products/en_us/thumb/100-77022-000_th.jpg Editors Favorites Beauty BoxThis collection of face and body must-haves features seven marine-infused skin-savers - chosen by top beauty editors from around the world, for glowing, radiant skin.Set Includes


Aqualibrium?? Dual-Action Eye Makeup Remover gently breaks down makeup without harming delicate skin with a nourishing complex of marine botanicals that leaves eyes rejuvenated and refreshed
Aqualibrium?? Sea Mineral Mud Mask naturally draws out impurities while marine botanicals and Aloe Vera soothe and hydrate skin
Face Oasis??? Dual-Action Exfoliating Cleanser deeply purifies skin while sweeping away pore-clogging impurities with refining fruit enzymes and soft exfoliating beads
Face Oasis??? Hydrating Treatment delivers time-release hydration to maintain moisture optimization all day while plumping the look of fine lines
Sea Salt Body Wash is enriched with European Sea Salts to lather away impurities and exhilarate the senses
Hand and Nail Cream intensely moisturizes with Shea Butter, Silk Proteins, and Vitamin E with an award-winning formula
Sea Moss Black Sand Body Scrub uses micro-fine Volcanic Black Sand to gently exfoliate dull skin, leaving it smooth and invigorated

Set contains:


Aqualibrium Sea Mineral Mud Mask 30 mL / 1.0 U.S. Fl oz

Face Oasis Dual-Action Exfoliating Cleanser 60 mL / 2.0 U.S. Fl oz


Aqualibrium Dual-Action Eye Makeup Remover 40 mL / 1.3 U.S. Fl oz


Face Oasis Hydrating Treatment 15 mL / 0.5 U.S. Fl oz


Sea Salt Body Wash 120 mL / 4.0 U.S. Fl oz


Sea Moss Black Sand Body Scrub 60 mL / 2.0 U.S. Fl oz


Hand and Nail Cream 120 mL / 4.0 U.S. Fl oz


2014 Spring GWP100-92014-000http://images.h2oplus.com/images//products/en_us/detail/100-92014-000_dt.jpg 1 Free Gift Free Gift Free Gift With $40 Purchase!

Beauty Deals
Hisense 46" Class LED TV - $399.99
Added on : Saturday March 22nd 2014 09:02:27 AM
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.

Using proven techniques and tips to help you focus your efforts and develop successful study skills and strategies, THE STUDY SKILLS BOOKprovides practical answers to questions such as:

What do lecturers expect from you in a tutorial?
Whats the best way to plan an essay or dissertation?
Where should you concentrate your efforts for maximum impact?

This book is an essential practical resource for all students who want to improve their performance and succeed in their studies:

All key study skills are covered including essay writing, revision and exams, tutorials, and dissertations
Practical solutions are presented for the most common problems
A common-sense, no-nonsense approach is offered using practical checklists and tips
Books Deals

Amazon Coupons
Hisense 46" Class LED TV - $314.15
Added on : Monday March 17th 2014 09:02:29 AM
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!
New User Question Deals
Hisense 50" Class 1080p 120Hz Smart HDTV - $399.99
Added on : Friday March 14th 2014 09:02:28 AM
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
Totally Free Deals
Free Ebooks 3-10-14
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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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!"
Totally Free Deals
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,

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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.

Question Deals
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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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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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

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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.
Discussion Deals
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.



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Views: 238 Replies: 1 www.ebay.com/itm/291079012922
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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.


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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.
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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.

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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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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.

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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.
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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?
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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).
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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

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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.)
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g: 0 Posted By: ArtieLange
Views: 113 Replies: 0 Klipsch Synergy B-20 Premium 5.25" Bookshelf Speakers Pair $131.98 shipped at Newegg

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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.

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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.

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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

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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

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: 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:

4-Week Bodyweight Home Workout (Workout Series)
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The 30 Day Abs Challenge (Workout Program)
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g: 0 Posted By: MrVietnam
Views: 72 Replies: 0 +UP Deals 2/9-2/15

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$7+UP wyb 2 Agadir, Macadamia, Its A 10 or Joico Haircare (reg retail $9.99-$39.99), L2

$2+UP wyb 2 Gold Bond Skin and Bath Care @ BOGO50%, L2

$2+UP wyb 2 Cetaphil Skin Care @ BOGO50%, L2 (tagged for Buy & Earn game)

$5+UP wyb $15 All Burts Bees or Gud Skin, Bath and Lip Care, L2

$10+UP All DermaSilk Skin Care (reg retail $24.99-$39.99), L2 (tagged for Buy & Earn game)

$2+UP wyb 2 Renewal 3 & 5 Blade Razors, Refills 4-5 ct. or 5 Blade Disposables @ 2/$9, L2 (tagged for Buy & Earn game)

$5+UP wyb $15 of these items, L2:
Glade Candles, Wax Melts or Sense & Spray Refill @ 2/$5.50 (single purchase price $2.99)
Glade Plug-In Scented Oil Refills 2 ct, Automatic Spray Refill 6.2 oz @ $3.99
Glade Automatic Spray or Sense & Spray Kits @ $6.99
Pledge @ 2/$8 (single purchase price $4.29)
Ziploc food Storage Bags or Dixie Cups 3 oz, 200 ct @ $2.99

$1+UP wyb Glad Trash Bags (Drawstring 13 gall/38-45 ct. or 30 gall/25-28 ct., Odor Shield 13 gall/34-40 ct, Twist Tie 13 gall/80 ct. or 30 gall/40 ct, Lawn and Leaf 39 gall/15 ct) @ $7.49, L2

$2+UP wyb ASTV Finishing Touch Lumina, Wax Vac, Miracle Socks, MicroTouch Max or Tag Away, L2

$4+UP wyb GE CFL Energy Smart Light Bulbs 10, 13, 20 or 26 watt 2 pack @ $7.99, L2 (tagged for Buy & Earn game)

$1+UP wyb Red Bull 4 pack, 8.4 oz. cans; Monster Energy 4 pack, 16 oz. cans @ $5.99, L2

$5+UP wyb $25 Neutrogena Skin, Bath, Shave, Hair or Sun Care @ BOGO50%, L2
Grocery Deals
Hisense 50" Class LED HDTV - $389.97*
Added on : Saturday February 01st 2014 09:00:34 AM
Save 60.00 with coupon code FAE115843 at checkout. Normally 449.97 before coupon.Now 389.97 after coupon.Offer ends Feb 3 2014 12:00AM
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?
Personal Finance Deals
g: 0 Posted By: bru20
Views: 227 Replies: 0 newegg

eBay
Tablets & iPads Deals

eBay Coupons
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

http://www.backcountry.com/the-north-face-crevasse-daypack-1648c...

Outlet: $79.97
Was: $159.95

From the Mountain Heritage Collection comes the north face Crevasse Daypack, a burly 27-liter bag that combines modern functionality with a throwback sense of classic and rugged mountain style. This easy-access top-loader boasts a comfortable E-Vap back panel with an airflow channel to encourage optimal ventilation. Slide your computer into the dedicated laptop sleeve for the commute to work, or just load up the Crevasse with extra clothes and snacks before an overnight camping trip with friends.

Stowable hip belt helps secure pack and add support when you're on the move
Variable-sized laptop sleeve complements a dedicated Neoprene tablet sleeve for organizing your essentials
Durable ballistics nylon adds longevity for multiple seasons of use even in tough conditions
Leather lash points accommodate last-minute gear additions


Sports & Outdoors Deals
g: -1 Posted By: slervik
Views: 230 Replies: 1 Amazon has the LEGO Ninjago: Ninja vs. Snakes Paperback Book & Buildable Mini Figure on sale for $3.70 with Free Super Saver Shipping on orders over $35 or free shipping with prime or student account.


"A new snake tribe has emerged to do battle against Sensei Wu's four ninja heroes! Can Kai, Jay, Cole and Zane defeat the Venomari to restore peace to the world of Ninjago?
Follow the stories, complete the activities, and build your very own super-wicked minifigure"

LINK
Books Deals

Amazon Coupons
Adjusting 1098-T for 2012 and 2013 tax years
Added on : Monday January 27th 2014 05:00:24 AM
g: 0 Posted By: JamesPolk
Views: 122 Replies: 4 This appears to be a common issue, but I would prefer to hear from tax experts about what I can/cannot do:

I had a 1098-T issued for 2012. It included tuition for Fall 2012/Spring 2013 ($10k per semester). I filed my 2012 taxes with the full amount on the 1098-T. It would make more sense to have the 1098-T split over 2 years since I would lose the Lifetime Learning Credit for 2013 ($2,000 credit on top of standard deduction). I have asked my university to send me an adjusted 1098-T, but they haven't responded. Could I just adjust my reported 1098-T numbers down by $10k for 2012, then submit 2013 taxes with $10k in tuition expenses without a 1098-T? I feel like I would be in the right by doing that, but I'm concerned it would be automatically flagged for an audit. FWIW, the tuition for Spring 2013 was paid in January of 2013.

Suggestions?
Tax Deals
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

A powerful hypnosis session for deep relaxation by Darren Marks one of the UKs leading hypnotherapists and trainers, plus video interviews and relaxation tips.
"He has this incredibly soothing voice and was wonderfully reassuring. Afterwards I felt completely relaxed and calm, and had a wonderful sense of well-being" Good Health
Magazine
I was often in such a state of deep relaxation whilst waiting for my chemotherapy that I was almost unaware of it being administered. You Magazine, The Mail on Sunday
The Ultimate in Self Help The high quality recordings entertain, relax, entrance and help get results rapidly Yoga Magazine
Features:
*The powerful hypnosis audio session Total Relaxation.
*A choice of short medium and long versions and with and without wake up.
* A choice of beautiful, relaxing video animations to run with the audio program
* Video interviews to help you understand and feel comfortable with the process and to simulate as closely as possible what its like to see Darren in person.
* Additional tips for relaxation and reducing stress
Download now and experience deep, peaceful, inner calm today.
Totally Free Deals
g: 10 Posted By: ksenn
Views: 557 Replies: 3 Home Depot has the 2-pk. Lutron Maestro 2-Amp Single Pole Occupancy Sensing Switchfor $29.94 w/ free shipping.

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

Electronics Deals

Home Depot Coupons
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?
Investing Deals
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...
Personal Finance Deals
g: 0 Posted By: ArtieLange
Views: 228 Replies: 0 Columbia Womens Benton Springs Full-Zip Fleece Jacket $29.99 (originally $60) at Amazon

http://www.amazon.com/Columbia-Womens-Springs-Charcoal-Heather/d...

Different sizes and colors are priced differently, but many are at the $29.99 price with free shipping with Amazon Prime!
Clothing Deals

Amazon Coupons
Hisense 46" LED HDTV - $349.99
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.
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.



Also free at the time of posting:

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/Guitar-Adventures-Step-By-Step-Intermediat...

Totally Free Deals
Hisense 46" LED HDTV - $299.99 after coupon
Added on : Tuesday January 21st 2014 09:00:36 AM
Save 50.00 with coupon code YDU114811 at checkout. Normally 349.99 before coupon.Now 299.99 after coupon.Offer ends Jan 25 2014 12:00AM
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
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Dual-sided remote with full QWERTY keyboard & touchscreen
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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 (of 4):1
1. Hey Porter
2.Cry, Cry, Cry
3.Luther Played The Boggie
4.Get Rhythm
5.Give My Love To Rose
6.I Was There When It Happened
7. Big River
8.I Still Miss Someone
9.Pickin' Time
10. The Man On The Hill
11. Five Feet High And Rising
12. Tennessee Flat-Top Box
13. I Got Stripes
14. Troublesome Waters
15. The Long Black Veil
16. Dark As A Dungeon
17. The Wall
18.25 Minutes To Go
19.Cocaine Blues
20.Doin' My Time
21.I Will Rock And Roll WIth You
22.Without Love
23.The Big Light
24.Highway Patrolman
25.I'm Never Gonna Roam Again
26. When I'm Gray
27. Forever Young

About the Album:
Johnny Cash, more than any other singer/songwriter that has ever lived, deserves the tag legend. Cash, an original in a world of imitators, garnered respect from musicians of all stripes and had an influence on nearly every genre of music. The soul rattling baritone, the canyon deep stare, the dog sly grin, the wicked sense of humor, all these things made the 'Man in Black' a giant in Nashville and beyond. The Legend collects 104 of Cash's recordings on four CDs.Whether he was cutting traditional folk songs ("The Wreck Of The Old 97," "The Streets Of Laredo") or numbers by Hank Williams and Bob Dylan ("I'm So Lonesome I Could Cry," "Forever Young"), Cash sounded like no other. Bruce Springsteen's "Highway Patrolman" becomes a haunting tale of regret and surrender when sifted through Cash's husky voice. Tracks like "Goodnight Irene" and the controversial "Cocaine Blues" may have come from the blues world, but Cash turned them into country songs. The latter track, recorded live at Folsom Prison in 1968, rings with the raw emotion of a man who knew all too well about addiction.From the boom-chicka-boom of such Cash classics as "Big River" and "Cry, Cry, Cry," to witty hits "A Boy Named Sue" and "One Piece At Time," The Legend exposes all sides of the 'Man in Black.' The Christian side of Cash shows up on "Were You There (When They Crucified My Lord)," performed here with the Carter Family, and "If I Were A Carpenter," a duet with wife June Carter Cash. The flesh side of Cash is present on the tormented "Sunday Mornin' Comin' Down" and "Folsom Prison Blues," on which Cash sings the famous line: "I shot a man in Reno just to watch him die."Producer Gregg Geller searched through hundreds of tapes to come up with seven unreleased tracks, including the rollicking "Doin' My Time " and a dusty-throated version of "I've Been Working On The Railroad." Rodney Crowell's "I'm Never Gonna Roam Again" and Billy Joe Shaver's "You Can't Beat Jesus Christ" are standout cuts among the unreleased tracks. "Ring Of Fire," "Highwayman," "Man In Black," "I Still Miss Someone," along with later recordings "Tears In The Holston River" and "September When It Comes," are just a few highlights on a collection with far too many to mention.The set includes a nicely designed booklet with dozens of photos, a lengthy essay from Patrick Carr and extensive song credits. The Legend is arguably the best Johnny Cash retrospective ever assembled.

By Todd Sterling

http://Lb4a15188b1eef7211731473e3ae971e6
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g: 0 Posted By: jessicadabears
Views: 231 Replies: 0 HTS 244A0 10 LED Sensor Light for $6.31 w/ Free Shipping at Rakuten.com.

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The Legend (Box Set) @ www.walmart.com
Added on : Monday January 06th 2014 04:00:05 PM
g: 0 Posted By: jaymanthegreat
Views: 42 Replies: 0 The Legend (Box Set)
Online Price: $29.88List Price: $49.98You 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 (of 4):1
1. Hey Porter
2.Cry, Cry, Cry
3.Luther Played The Boggie
4.Get Rhythm
5.Give My Love To Rose
6.I Was There When It Happened
7. Big River
8.I Still Miss Someone
9.Pickin' Time
10. The Man On The Hill
11. Five Feet High And Rising
12. Tennessee Flat-Top Box
13. I Got Stripes
14. Troublesome Waters
15. The Long Black Veil
16. Dark As A Dungeon
17. The Wall
18.25 Minutes To Go
19.Cocaine Blues
20.Doin' My Time
21.I Will Rock And Roll WIth You
22.Without Love
23.The Big Light
24.Highway Patrolman
25.I'm Never Gonna Roam Again
26. When I'm Gray
27. Forever Young

About the Album:
Johnny Cash, more than any other singer/songwriter that has ever lived, deserves the tag legend. Cash, an original in a world of imitators, garnered respect from musicians of all stripes and had an influence on nearly every genre of music. The soul rattling baritone, the canyon deep stare, the dog sly grin, the wicked sense of humor, all these things made the 'Man in Black' a giant in Nashville and beyond. The Legend collects 104 of Cash's recordings on four CDs.Whether he was cutting traditional folk songs ("The Wreck Of The Old 97," "The Streets Of Laredo") or numbers by Hank Williams and Bob Dylan ("I'm So Lonesome I Could Cry," "Forever Young"), Cash sounded like no other. Bruce Springsteen's "Highway Patrolman" becomes a haunting tale of regret and surrender when sifted through Cash's husky voice. Tracks like "Goodnight Irene" and the controversial "Cocaine Blues" may have come from the blues world, but Cash turned them into country songs. The latter track, recorded live at Folsom Prison in 1968, rings with the raw emotion of a man who knew all too well about addiction.From the boom-chicka-boom of such Cash classics as "Big River" and "Cry, Cry, Cry," to witty hits "A Boy Named Sue" and "One Piece At Time," The Legend exposes all sides of the 'Man in Black.' The Christian side of Cash shows up on "Were You There (When They Crucified My Lord)," performed here with the Carter Family, and "If I Were A Carpenter," a duet with wife June Carter Cash. The flesh side of Cash is present on the tormented "Sunday Mornin' Comin' Down" and "Folsom Prison Blues," on which Cash sings the famous line: "I shot a man in Reno just to watch him die."Producer Gregg Geller searched through hundreds of tapes to come up with seven unreleased tracks, including the rollicking "Doin' My Time " and a dusty-throated version of "I've Been Working On The Railroad." Rodney Crowell's "I'm Never Gonna Roam Again" and Billy Joe Shaver's "You Can't Beat Jesus Christ" are standout cuts among the unreleased tracks. "Ring Of Fire," "Highwayman," "Man In Black," "I Still Miss Someone," along with later recordings "Tears In The Holston River" and "September When It Comes," are just a few highlights on a collection with far too many to mention.The set includes a nicely designed booklet with dozens of photos, a lengthy essay from Patrick Carr and extensive song credits. The Legend is arguably the best Johnny Cash retrospective ever assembled.By Todd Sterlinghttp://www.walmart.com/ip/4029638
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Nursery charge for newborn
Added on : Monday January 06th 2014 02:00:08 PM
g: 4 Posted By: bluegreenturtle
Views: 197 Replies: 0 I am hoping somebody with some sort of special knowledge of hospital billings might read this.

We recently had a baby. Normal delivery and the charges to Mom's account, while crazy high for a normal delivery without complications, were what we expected and she hit her $5000 out of pocket max anyway.

Then they started a billing account for the baby and started charging things to her. Ok, some of it made sense, like a diagnostic test or any medications (eye drops) given. But in addition to Mom being charged for the labor and delivery room and then the recovery room (the only 2 rooms we saw) they also charged the baby $1500 for "nursery." all of which will be out of pocket since it's under the deductible for the baby's account. I wrote to the hospital and asked about this, explaining that the baby never spent any time in a nursery or any other room, and the reply was "the hospital always bills for a nursery charge because there has to be a room avaiable in case the baby is ill or has complication." This doesn't make sense to me - do they always charge for the Operating Room in case a C section is needed? No. Do they always charge for an emergency cart because the mother or baby could go into cardiac arrest? No.

Anyway, is this normal practice? I'll have to pay the whole thing if we're liable for it, so it's worth a little bit of time to try to fight it or negotiate it. Also, if they just would have charged it to the Mother's account instead of the newborn, then the insurance would be on the hook for it. Is that impossible to ask for?
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Hisense 50" Class LED HDTV - $479.97 after coupon
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Kids build a free race car @ Home Depot 2/1/14 9am-12noon
Added on : Sunday January 05th 2014 04:00:14 AM
g: 0 Posted By: ryansteele
Views: 123 Replies: 0 Home Depot 2/1/14 9am to noon

~~Build a Race CarBuild a Race Car.
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Activate replacement of sock-drawered CC?
Added on : Friday January 03rd 2014 03:00:05 AM
g: 0 Posted By: shinobi1
Views: 0 Replies: 0 Like most FWF participants, I have many sock-drawered credit cards. For me these are "never users", not "occasional users". From time to time the cards expire and I am sent a new replacement CC for an expired card.

I'm unclear on this so I'm putting the question out there, and it's a pretty straightforward question: Does it make sense to activate these replacement cards?

FWIW, I'm not surrendering sock-drawered cards (i.e., not closing accounts) right now because they seem to be helping me with my score. So the decision for me is limited to whether or not to activate replacement cards.
g: 0 Posted By: remick
Views: 69 Replies: 0 http://www.amazon.com/dp/B0096YJDNQ

4.6 out of 5 stars (36 customer reviews)

Distant Suns (max) astronomy app is an award-winning hand-held planetarium with over 25 years of development, offering you the new way to look at the sky from on the Earth to off. Sporting over 130,000 stars, all 8 (or is it 9?) planets, the sun and moon, constellations, galaxies, nebula and star clusters, Distant Suns offers a gracefully visual respite from a busy day.
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Perfect for the whole family. The only requirement is sense of wonder!
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Hisense 46" Class LED TV - $349.99
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g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 http://1sale.com/electronics/tv-home-theater/40k360m/
g: 0 Posted By: ctgolfer
Views: 39 Replies: 0 http://1sale.com/electronics/tv-home-theater/50k610gw/
Hisense 40K360M 40" Class 1080p 60Hz LED HDTV - $249.99
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Hisense 46" Class LCD Smart HDTV - $349.99
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g: 0 Posted By: remick
Views: 266 Replies: 0 http://www.amazon.com/dp/B00B85M130

4.9 out of 5 stars (10 customer reviews)

Behind the smiling face of so many new moms is a woman who has suddenly lost a bit of her sense of self. Many mothers of young children feel alone, isolated, and confused about their new role. They have a powerful desire to be known and loved.

Now for any mom who has ever wrestled with who she is at her core, Caryn Rivadeneira offers 52 devotions drawn from the Psalms that show women how God sees them, what he created them to do, and how he created them to be. She takes women through ten major areas of identity, weaving in stories from her own life and from the lives of other moms, showing mothers that they are valued and valuable.

The perfect gift for Mother's Day, Known and Loved will brighten a mom's day even as it deepens her faith.
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g: 0 Posted By: ctgolfer
Views: 262 Replies: 0 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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Hisense 55K610GW 55" Class LED Smart LED HDTV - $599.99
Added on : Saturday December 28th 2013 09:00:17 AM
Rite Aid VIDEO VALUES Jan 2014 List (avail 12/29-1/25, expire 2/8)
Added on : Saturday December 28th 2013 07:00:14 AM
g: 0 Posted By: MISTERCHEAP
Views: 73 Replies: 0 Rite Aid Video Value CouponsRite Aid Video Values Couponsare available starting 12/29/13.There are over a $90 in savings for January.Rite Aid Video Values January Video OffersVideos for the January program must be watched 12/29 1/25/13
January Coupons Expire 2/8/14 thnx lrwc blog


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Hisense 50" Class 1080p 120Hz Smart HDTV - $429.99
Added on : Thursday December 26th 2013 09:00:09 AM
g: 0 Posted By: remick
Views: 236 Replies: 0 http://www.amazon.com/Majestic-Wild-Stories-Adventure-Outdoors-ebook/dp/B00AHY0UBI

4.9 out of 5 stars (9 customer reviews)

Church can be a great place to learn spiritual lessons, but sometimes you just have to get up and get outside to experience the grandeur of God. In Majestic and Wild, pastor, writer, and avid outdoorsman Murray Pura weaves his real-life adventures with spiritual inspiration and life lessons, capturing the majestic and wild creation that God has set before us all. From animal encounters to wildfires to raging rapids to Daniel Boone hunts and buffalo stampedes, the stories range from dramatic and suspenseful to light-hearted and whimsical. Each story is woven with spiritual lessons not easily learned from sitting in a pew.

A great gift for wives to give to their husbands and kids to give to their dads, Majestic and Wild will entertain and inspire anyone with a sense of adventure and a love for the great outdoors.
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Kohls and Kohls.com Early Birds are available online
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g: 0 Posted By: DaysFan
Views: 189 Replies: 1 linked

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g: 2 Posted By: 116sloppyjoe116
Views: 271 Replies: 0 Link

$54.00
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Added on : Monday December 23rd 2013 07:00:08 PM
g: 1 Posted By: ArtieLange
Views: 214 Replies: 0 Contemporary and Romance
A Kiss for Midwinter (The Brothers Sinister, Book 1.5)
The Academy Introductions (Year One, Book One) (The Academy Series)
Coulsons Wife (The Coulson Series)
Bayou Nol (Bayou Heat)
Wolf Sixs Salvation: A Shifter Love Story
A Bid For LoveEmerald Queen (A Vieux Carr Romance)
A Touch of Midnight: A Midnight Breed Novella (Midnight Breed Vampire Romance)
Warrior of the Ages (Warriors of the Ages)
Shameless (Nashville Nights Book One)
Remember Love
Second Chance Cowboy
Freefall
Awake

Historical
A Captive Heart
Life and Death at Hoover Dam

Christian, Religious & Inspirational
Daily Wisdom for Women January 2014: 2014 Devotional Collection
Place Called Bliss, A (Saskatchewan Saga Book #1)
You Are the Artist of Your Life
The Very Best Gift

Young Adult
Ever Shade (A Dark Faerie Tale #1)
I Am AliveDominion (Guardian Angels)
Instructing an Heiress (Cinderella Heiresses)
Flying with cuckoos

Mystery, Suspense & Action
The Peaceful Affair
Miss Polly had a Dolly (Emma Frost #2)
Irreparable Harm (Sasha McCandless Legal Thriller No. 1)
Paydown (A Leopold Blake Mystery / Thriller Novella)
INN KEEPING WITH MURDER (Old Maids of Mercer Island)

Paranormal, Fantasy & Science Fiction
Pentimento: a dystopian Beauty and the Beast
The Eighth Fire (Chronicles of a Magi)
The Change: Episode One (The Bachelor Battles)
The Demon Of Synar (Science Fiction Romance) (Forced To Serve)

Self-Help
EFT and Tapping for Beginners: The Essential EFT Manual to Start Relieving Stress, Losing Weight, and Healing
The Big Picture: The Seven Step Guide For Creative Success In Business
The Introvert Guide How To Succeed As An Introvert In All Social Situations NOW (Introvert power, Introvert love)

Childrens
Tiny Mouse and the Big Spiders (The Adventures of Tiny Harrison Mouse)
Fennec Foxes: Wily Desert Hunters (the My Favorite Animals series)

Biographies & Memoirs
Dear Teddy (Dear Teddy: A Journal Of A Boy (Volume 1))
Tiny Titan One Small Gift (Journey of Hope)

Cookbooks
The Classic Sandwich Cookbook: Quick and Delicious Meals in Minutes
Power Foods Cookbook: Power Food Recipes for a Healthy Brain and Body
Cake Ball Recipes: The Ultimate Collection Over 30 Delicious & Best Selling Recipes
TOP 10+2 Pizza Recipes: How To Make Homemade Gourmet Pizzas! (Top 10 Recipe Books)
Growing and Cooking Italian Vegetables Gardening Tips and Recipes from a Lifetime of Italian Cooking
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g: 0 Posted By: ctgolfer
Views: 86 Replies: 0 http://1sale.com/electronics/tv-home-theater/gx1200v/
Electronics Deals

1Sale.com Coupons
g: 1 Posted By: Aeromark
Views: 135 Replies: 0 ClickedIn has a coupon for the Alamo Draft Houselocations in San Antonio and New Braunfels, TX.

http://www.clickedin.com/alamoDont trust the elves, get your gifts from Alamo Drafthouse 2 movie tickets + $10 gift card for $20

Now that Wurstfest is over, its time to start thinking about the biggest Holiday of them all! Get up to 42% off two movie tickets and a $10 gift card, all for only $20. Immerse yourself in the Alamo Drafthouse experience with craft beer, fantastic local cuisine and a no nonsense texting policy.At savings this big, it makes the perfect gift for anyone on your list or even for yourself, so relieve some holiday stress and buy your tickets today.

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ON SALE: Bric»s - FV Frames Large Holdall
Added on : Saturday December 21st 2013 09:00:16 AM
The FV Frames Large Holdall from the Bric»s Francesca Versace line appeals to your travel sense. Featuring embossed FV signature Baroque volutes frame print in delicate hues perfect for the season. Leather detailing and protected corners, zip closure, detachable and adjustable shoulder strap, and gold tone metal detailing. Will hold everything from dreams to a weekend getaway.
ON SALE: Bric»s - FV Frames Large Trolley
Added on : Saturday December 21st 2013 09:00:16 AM
The FV Frames Large Trolley from the Bric»s Francesca Versace line appeals to your travel sense. Featuring embossed FV signature Baroque volutes and frame print in delicate hues perfect for the season. Leather detailing and protected corners, zip closure, detachable and adjustable shoulder strap, and gold tone metal detailing. Will hold everything from wishes to a weekend getaway.
ON SALE: Bric»s - FV Frames Medium Holdall
Added on : Saturday December 21st 2013 09:00:16 AM
The FV Frames Medium Holdall from the Bric»s Francesca Versace line is all about travel sense. Featuring embossed FV signature Baroque volutes and frame print in delicate hues perfect for the season. Leather detailing and protected corners, zip closure, detachable and adjustable shoulder strap, and gold tone metal detailing. Will hold everything from dreams to a weekend getaway.
ON SALE: Bric»s - FV Frames Medium Trolley
Added on : Saturday December 21st 2013 09:00:16 AM
The FV Frames Medium Trolley from the Bric»s Francesca Versace line appeals to your travel sense. Featuring embossed FV signature Baroque volutes and frame print in delicate hues perfect for the season. Leather detailing and protected corners, zip closure, detachable and adjustable shoulder strap, and gold tone metal detailing. Will hold everything from wishes to a weekend getaway.
Hisense 55K610GW 55" Class LED Smart LED HDTV - $579.99 after coupon
Added on : Friday December 20th 2013 09:00:07 AM
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Hisense 40K366W 40" Class 1080p LED Smart HDTV - $349.99
Added on : Wednesday December 18th 2013 09:00:07 AM
g: 1 Posted By: mbenzgt
Views: 245 Replies: 0 40 LED HDTV Hisense 1080p refurb - $199 after $50 rebateTigerDirecthttp://www.tigerdirect.com/applications/SearchTools/item-details.asp?EdpNo=8521819
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g: 0 Posted By: ArtieLange
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Hisense 40K360M 40" Class 1080p 60Hz LED HDTV (Refurb) $199 AR
Added on : Tuesday December 17th 2013 07:00:09 AM
g: 1 Posted By: flyhighutah
Views: 350 Replies: 1 LINK
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Hisense 40K360M 40" Class 1080p 60Hz LED HDTV $199 MIR
Added on : Tuesday December 17th 2013 06:00:06 AM
g: 0 Posted By: flyhighutah
Views: 0 Replies: 0 LINK
TigerDirect
Tax implications - When is debt considered cancelled in a Deed In Lieu?
Added on : Monday December 16th 2013 12:00:08 PM
g: 0 Posted By: BocephusSTL
Views: 112 Replies: 0 My brother is going through a Deed-In-Lieu with BOA, and he is concerned about the potential tax liability if it's not completed by Dec. 31, because of the expiring Mortgage Forgiveness Debt Relief Act (MFDRA). They told him it's in the final stages of completion (post-closing dept.), but that it probably won't be fully completed for a couple of months. I'm hoping someone here might have relevant experience to determine when a DIL is considered complete for tax purposes.

The facts as he relayed them to me are:

His file is in the Post-Closing Dept. at BOA
The Warranty Deed where he signed the property back to BOA, and BOA's Deed of Release, have both been recorded with the county.
The post-closer said his incentive check is on the way.
He called the IRS, and was told that the determining factor for meeting the Dec. 31 deadline of the MFDRA expiration is that the debt must be cancelled by that date.
Post-closer told him she "thinks" the Deed of Release is the point at which the debt is considered cancelled, but she's not certain.
BOA still has to transfer the property to HUD, clear things off their books, report to CRAs, etc, which could take another couple of months.

The person at IRS told him that it's completely up to the bank as to when they consider the debt cancelled. The post-closer from the bank told him she "thinks" the recording date of the Deed of Release is what would be considered the date of debt cancellation in his case, but she wasn't sure. He is worried they won't consider it cancelled until it's fully off their books and reported to the CRAs. If that's after Dec. 31, the cancelled debt will be subject to taxes, which he can't pay so is obviously trying to avoid that situation.

Another question that came up when he talked to the IRS, could potentially make all of this moot. The IRS person told him that because it's an FHA loan,there technically won't be any cancelled debt because the mortgage insurance claim that will be paid to BOA effectively makes them whole. As a result, my brother won't be subject to income tax of the "cancelled debt". This kind of makes sense, but then again, it sounds too good to be true.

Any tax or legal experts here who can be any more definitive about these questions? I wore out my Google-Fu trying to get answers, but the only information I could find wasn't specific to these details.
Thanks!
Discussion Deals
Request for career advice (Update 2)
Added on : Saturday December 14th 2013 02:00:05 PM
g: 0 Posted By: puddonhead
Views: 123 Replies: 0 Okie doe... It's one year since I hadlast posted on this topic. I'm giving a mid-course update - partly to chronicle what's happened and partly to request for any helpful suggestions/advice anyone can offer.

Previous topic #1: Request for career advice
Previous topic #2: Request for career advice (Update ...)

Recap:
1. Wifey was a stay-at-home mom, looking to get back to work after minding the kids for 6 years. This was circa 2011.
2. She had a liberal arts background, with an MA in English Literature.
3. She loves teaching and wanted to be a school teacher. Initially she wanted to be an elementary teacher (so that she could work in the same school that the kids are goint to go to). She started taking courses in the community college towards to meet pre-requisites as advised by the local teaching college advisoron Jan-12 (Undergrad Spring semester).
4. Some of the pre-requisites included math and science. She did pretty well in those - well enough to be appointed as a "peer tutor" of mathematics in the CC getting paid $9/hr.
5. One semester of peer tutoring later - she has now completed Pre-Calc and started Calculus I. She got an offer to join as an "EA" at the same CC - doing the same job as a peer-tutor, but getting paid $24/hour instead.
6. By this time her goals have completely changed. From elementary teacher, she initially wanted to become a math teacher, and eventually veered into Computer Science.
7. After doing some leg-work, she gets admission into the MS program in Computer Science in one of the local universities. Because of her (lack of) background - she has to take 6 additional, undergrad level courses as compared to a normal MS student.

Since Then:
1. She has completed the Calculus Series of mathematics (I, II, and III). With A's in everything but Calc.-II, where she got a B.
2. She has taken 4 of the 6 required pre-requisite CS Undergrad courses: Programming I (she got an A), Programming II (B), Data Structures (grades not out yet: possibly a B+ or A-), Computer Architecture (grades not out yet: but almost certainly anA).
3. She still needs to take Algorithms and Operating Systems as the undergrad core courses - in addition to the graduate courses for her degree.

Plan:
1. At the time of last posting - she was not sure if she will pursue an academic career or a job-oriented one. This has now been clarified - she will complete the MS degree and start a job ASAP.
2. If everything goes according to plan - she should be able to complete all the courses required for MS sometime in the middle of 2015.
3. The goal is to prepare for, and get a Java Certification (associate - to start with) during the summer break of 2014.

Other considerations:
1. Consequent to her goal clarification (i.e. going for job, not academics)- some of the earlier course plans have changed. She had earlier planned to take some intermediate level math courses (e.g. Diff. Eq., Linear Algebra, Discrete Math etc.). Only Discrete is still in the course plan. Also jettisoned are some of the theoretical CS courses like the "Computation Theory", "Theory of Programming Languages" - in preference of courses that have more practical applications.
2. Once she completes the MS and starts a job- she will re-evaluate if it makes sense to change course (perhaps a part time PhD, or try to find any academic position etc)..

Some of the suggestions (and even negative... errr... constructive) feedback in the earlier threads were helpful. Any suggestions?
Question Deals
Free Kindle Book - From Dad to Daughter: A Practical Guide to Dating
Added on : Friday December 13th 2013 03:00:06 AM
g: 0 Posted By: bigginsben
Views: 177 Replies: 0 Free today through Monday - link here

Following up on the surprising success of "The Rules for Dating my Daughter," this is the simple, no-nonsense guide to dating every dad wishes he could give his daughter. This book is easy to read, short enough for teenage attention spans, and quite memorable. "From Dad to Daughter" will tackle the subjects you might not feel comfortable addressing or did not know how to talk about with your daughter.
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Hisense 40K360M 40" Class 1080p 60Hz LED HDTV - $239.99 after coupon
Added on : Thursday December 12th 2013 09:00:06 AM
Save 60.00 with coupon code IAI110356 at checkout. Normally 299.99 before coupon.Now 239.99 after coupon.Offer ends Dec 16 2013 12:00AM
45k i can't do anything with
Added on : Thursday December 12th 2013 05:00:13 AM
g: 0 Posted By: mmdino
Views: 30 Replies: 0 This is kinda long for a question, but I want to get the background down. Found the finance forum on google so I thought this would be a good place to ask because I can't ask local people or anything. Me and a friend were doing demo on a abandoned house about 10 years ago for close to minimum wage pay plus a written contract saying we could keep whatever we found like copper pipes that were still there, appliances, any furniture, etc. We demoed a wall and found plastic wrapped money. A contractor there that day said it was in our best interest to tun it into the police because it was probably drug money or from a robbery and if we tried to spend it we would be in a world of trouble. This made sense so we ended up bringing in the haul, didn't even open the plastic--- at this point we didn't even know how much it was. I guessed 10k at most. So we filled out a few forms and gave a statement, get a case num. Cop says we aren't getting the money back because it was clearly crime related.

So a few months goes by and my friend calls the police a few times but they basically say nothing has happened with the case. After a while he stops calling and about a year later he moves out of state for some job. We weren't super good friends, we basically met before the demo work and he asked if I wanted in on the job after he got hired so I lost touch and to be honest forgot about the money except when I saw movies and tv shows that had briefcases of the stuff.

Six years later Ron calls my mom and tells them to tell me to call him back as soon as possible. I was living with my mom when were demoing, now I'm in a different city and I had changed cell numbers a few times, I'm surprised he even had my mom's number but I call him back and he tells me the police are releasing the money back to us. I thought he was screwing around but he insisted they did. H wants to met up at the police station to pick it up because we both have to be there. I was positive it was some kinda prank, but he planned to drive back to the state that weekend and meet up at my place.

He shows up like he said and tells me there were no significant trace of drugs on the money and even though a bunch of it was sequential they couldn't trace any of serial numbers on the money to a crime. So then he tells me its a little over 90k in cash. I couldn't believe it, and honestly wasn't going to believe it until I saw it. He says they tried to contact previous owners but there were condos on the property now and the bank had taken possession then sold to contractors and never could get in contact with whoever had th house. Next day we drive to the police station and after a long wait they bring out a cardboard box from evidence with all the money stacked up and in zip bags with amounts written on them. So we sign off on the stuff then the police are like you can't take our box, so they give us some trash bags to separate it out which I thought was ridiculous and felt weird and stupid to be carrying trash bag of money but luckily we separated it out in the back so people didn't see us.

So my friend leaves to drive back home, we didn't even want to stop for a drink anywhere we just wanted to get the money elsewhere safe. My bank is closed so I take it home and stuff it in a box in my closet and then pretty much can't sleep. I call in sick on sun and go to the bank right at 8 mon complete with my trashbac of money. I tel the teller what i have and she has like this freaked out look and says she has to get the supervisor. He has me come in to a office and asks me where I go the money and I tell him the above and he really doesn't buy it, I can tell. So we all take a look at the money, which is still in police plastic bags and he figures out most of it is sequential numbers, and none of have security strips because they are before whenever they added those and tells me he won't accept it. I'm like what do I do with it, and he just shrugs at me like it is no big deal. wtf. So I take this stuff home and sort through it and like a it is split into three groups of serials on 100s and then maybe 1k of random numbers. There is over five hundred in smaller bills which I take out.

I end up taking it to another rbranh and it turns out the other bank flagged my account and warned them not to take any large sums of cash from me. I ended up arguing with the bank manager at the second place and he tells me if the police will vouch for the money they will deposit. I call the police and not only will they not vouch for it, but they don't even want to talk to me about it. Open a new account somewhere else right. No one will take it. Sequential bills, no security strips. I even mixed up the 100s and after it took them forever to count it all they come back and tell me it is sequential. In fact one bank tells me there only has to be 5% sequential for that sum and they won't be able to take it. This is nuts right. So I go to my original bank and get a safety deposit box and dump most of it in there. Meahnwhile I think I can just spend it as needed but places won't even take them, no security strip they don't even care if it is legal, two places call the cops on me and I have to sit around while they look up the case number and everything. I manage to break one of the 100 at a fancy restaurant and that is it.

Finally I call Ron up a few weeks later and he says he is having the same problem and even tried to cash in at the casino but they wouldn't. He said he has put one or two in an ATM deposit but he didn't think he could keep doing that and doesn't know how long it would take for them to reject them through that system so he was waiting to do more. He has been able to deposit one or two in a new account each week and now one has said anything but he thinks is only a matter of time. A month later I can't even get ahold of him and he won't return my calls, and I'm wondering if he got arrested or his state was better able to trace the money to something or what. So now I'm afraid if I take it out of state or even out of the general area i'm could be a world of trouble. I was thinking I could buy a car from a private seller and then sell it but that would just get the buyer in the same place I am or worse. One drunk night I actually burned one of the hundreds just because. It was funny at the time but the next day I felt awful. I don't even know how much exactly I have because I haven't had the nerve to go to the bank and just sit there and count it all.

So what do I do with this money? I don't want to ask friends because I just think someone is going to rob me or something because who knows who they tell. My mom doesn't even know the whole story because I think she's gonna tell people too so all she knows is I got some cash from the police after a demo job. I have gotten rid of all the smaller bills and some of the 100 that were new enough to have strips in them but thats not even close to the total amount. Please help and sorry for the length.
Free Kindle Book- Christmas Shoppe, The by Melody Carlson (was $15.99)
Added on : Thursday December 12th 2013 02:00:03 AM
g: 0 Posted By: remick
Views: 227 Replies: 0 http://www.amazon.com/Christmas-Shoppe-Melody-Carlson-ebook/dp/B0055PLJY6

The small town of Parrish Springs is not ready for Matilda Honeycutt. A strange older woman with scraggly gray hair and jewelry that jangles as she walks, Matilda is certainly not the most likely person to buy the old Barton Building on the town's quaint main street. When it becomes apparent that her new shop doesn't fit the expectations of Parrish Springs residents, a brouhaha erupts. After all, Christmas is approaching, and the last thing the town needs is a junky shop run by someone who looks and acts like a gypsy. But as townsfolk venture into the strange store, they discover that old memories can bring new life and healing.

Once again, Melody Carlson delivers a Christmas story that will touch hearts and delight the senses. Sure to be a classic, The Christmas Shoppe is filled with the special magic the best Christmas stories share--that intangible mixture of nostalgia, joy, and a little bit of magic.
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g: 0 Posted By: morningman
Views: 242 Replies: 0 Found this on Amazon yesterday didn't find any posts so thought I would put out for the sour stomach people. 42ct box of Omeprazole by good sense is 9.79 after 3.00 coupon and 20% subscribe and save discount with free shipping using prime. 12.99 without subscribe and save with free prime shipping. ~~Good Sense Omeprazole Delayed Release, Acid Reducer Tablets 20 mg. http://www.amazon.com/gp/product/B00CM2FLWG/ref=sr_1_1?ie=UTF8&m=ATVPDKIKX0DER http://www.amazon.com/gp/coupon/save-3-on-good-sense-omeprazole/... This is priced at 9.99 for 14 ct at drugstore.com for comparison. So you get 3 times the amount for 20 cents less.

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Free from Educents - 6 Snowman Math Centers
Added on : Wednesday December 11th 2013 01:00:08 AM
g: 0 Posted By: remick
Views: 50 Replies: 0 http://www.educents.com/featured-deals/snowman-math-centers.html

Looking for number sense center activities this winter? This set includes 6 centers that build number sense with numbers to 100 or numbers to 1,000. Help your student(s) understand tens and ones, compare two digit numbers, add within 100, do mental math, subtract multiples of 10 and read & write numbers to 1,000!
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g: 0 Posted By: remick
Views: 237 Replies: 0 http://www.amazon.com/World-Jesus-Making-People-Places-ebook/dp/B00B85M3UG

Sometimes it's hard to find your bearings in the New Testament, as you enter the time and place of Jesus and His disciples. There are confusing practices, new people groups, and even unexplained religious conflicts. How did it all come about?

Dr. William Marty walks you through the history leading up to the arrival of Jesus in order to help you better understand His life and teachings. He answers such questions as:
Why did "Israelites" start being called "Jews"?
What's a "synagogue" and what happened to worshiping in the temple?
Who were the Pharisees and why was Jesus so upset with them?
Why didn't anyone like the Samaritans?
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Best way to sell car (Private Party)
Added on : Monday December 09th 2013 02:00:14 PM
g: 0 Posted By: trekwars2000
Views: 231 Replies: 0 So I just flew down to PHX and drove a new car back to Vegas. I ended up getting almost 20% off MSRP on the new car. We first looked at gently used (2-3 years old) but when looking it didn't make much sense to buy something for a similar price with 30K miles. Great deal IMO. However, I now need to sell my old car. The car is a 2006 BMW 750Li with 82K miles with a bit of road rash on the front bumper. I'm having that taken car of tomorrow for ~$300. After I get it handled, any thoughts on the best way to sell it? I will run it by a CarMax to get the "rock bottom" number (basically wholesale price). KBB for good is 15.5K trade in and 18K PPV, for very good you can add about $500. Realistically, the car is between good and very good condition after I get this taken care of (probably closer to good). I don't know what I can get for it... There is one 06 750Li listed in my area with similar miles for 22K PP sale. I would probably list it near 20K.

I was looking at Auto Trader and other listing websites. I also thought about putting it on the Air Force Base "Lemon Lot", but I'm not sure that listing an 8 year old car for nearly 20K is going to get many leads on base. Auto Trader has a sell with expert help section where they take 30 pics and do an inspection report, screen calls, set up your add and give pricing help, and it ends up in the featured/spotlight area. In addition, they link in a carfax type report for buyers. This listing is $360 and if it doesn't sell within 120 days you can get a refund of all but $120. Of course, I could take out an add in the paper, but since I don't read a paper I'm not sure how much spotlight this gets.

Any thoughts and help would be great.
Personal Finance Deals
g: 0 Posted By: MISTERCHEAP
Views: 50 Replies: 0 NOTE: This is the on box peelie rebate, not the smartsource gelpacs AND jet dry rebate. Please respond only if you have info on the "TRY ME FREE" peelie on box rebate.

What a bunch of nonsense. Mailed this rebate back in September, 3 months later, still no rebate. Call the # on the Finish box to inquire, get the run around, well, we need to know what PO Box you mailed it to? I ask 'well, don't you just have a website I can track this at"...."no sir we are just the manufacturer, we have nothing to do with those rebates"....well....aren't you FUNDING these rebates? If this is your CUSTOMER SERVICE #, shouldn't you have a way to look up the info?

TheyGive me some BS that they'll take my name and address and "research it". I'm like...so when will I hear back? Girl cops an attitude about it. Just hung up. Never had so much hassle over a $3.99 rebate in my life! What a crappy/rude and unresponsive company.

Anyone else get their's? What's been the turn around time?


Discussion Deals
Free Kindle Book- Nothing Is Impossible with God (was $15.99)
Added on : Monday December 09th 2013 01:00:02 AM
g: 0 Posted By: remick
Views: 177 Replies: 0 http://www.amazon.com/Nothing-Impossible-God-Reflections-Weakness-ebook/dp/B00F5KX75A

4.7 of 5 stars with 9 reviews

No one likes to feel weak. Just thinking about our inadequate resources can fill us with fear and hopelessness. But Rose Marie Miller has a different perspective. For her true weakness is a gift born out of a deep sense of need, it drives us to Christ and unleashes all the redeeming energy of Gods grace in our lives and others.

Rose Marie Miller, a living example of Gods power in weakness, weaves together biblical insights and personal experience and shares a new, gospel-driven way of living where the way up is down, the weak become strong, and the dead receive life. God, for whom nothing is impossible, uses weak people to change the worldand that includes you!


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g: 1 Posted By: Doldrums
Views: 728 Replies: 4 Newegg has the "Hisense Sero 7 Touchscreen 7.0" Tablet Dual Core 1.60Ghz CPU 1GB RAM 4GB Storage Memory 4.1 (Jelly Bean) LT E270BSA" Refurbished for $54 with Free Shipping.
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Hisense 55-inch XT880 4K Ultra High Definition Smart TV $1499.99 @ Costco
Added on : Saturday December 07th 2013 11:00:04 AM
g: 0 Posted By: speedy777
Views: 426 Replies: 0 Costco has Hisense 55-inch XT880 4K Ultra High Definition Smart TV $1499.99. It picture look very impressive at store. If you like new technology TV, check it out.

http://www.costco.com/Hisense-55%22-Class-4K-Smart-LED-Ultra-HDT...

Brand: Hisense
Depth: 2.36 in.
Dynamic Contrast Ratio: 1,200,000 : 1
Height: 28.35 in.
Mount Bracket/VESA Compatible: 400mm x 400mm
Number of HDMI Inputs: 4
Number of USB Inputs: 3
Refresh Rate: 60 Hz
Resolution Description: Ultra HD (4k)
Screen Size Class: 55 in.
Speaker Watts (Each): 15 W
Type of Television: LED Edge-lit 16:9 LCD
Viewing Angle (Horizontal): 178 Degree
Viewing Angle (Vertical): 178 Degree
Weight: 58.42 lb.
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g: -1 Posted By: Doldrums
Views: 37 Replies: 0 Newegg has the "Hisense Sero 7 Touchscreen 7.0" Tablet Dual Core 1.60Ghz CPU 1GB RAM 4GB Storage Memory 4.1 (Jelly Bean) LT E270BSA" Refurbished for $54 with Free Shipping.
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g: 0 Posted By: speedy777
Views: 176 Replies: 0 Costco has Hisense 55-inch XT880 4K Ultra High Definition Smart TV $1499.99. It picture look very impressive at store. If you like new technology TV, check it out.

http://www.costco.com/Hisense-55%22-Class-4K-Smart-LED-Ultra-HDT...

Brand: Hisense
Depth: 2.36 in.
Dynamic Contrast Ratio: 1,200,000 : 1
Height: 28.35 in.
Mount Bracket/VESA Compatible: 400mm x 400mm
Number of HDMI Inputs: 4
Number of USB Inputs: 3
Refresh Rate: 60 Hz
Resolution Description: Ultra HD (4k)
Screen Size Class: 55 in.
Speaker Watts (Each): 15 W
Type of Television: LED Edge-lit 16:9 LCD
Viewing Angle (Horizontal): 178 Degree
Viewing Angle (Vertical): 178 Degree
Weight: 58.42 lb.
Wi-Fi Enabled: Yes
Width: 48.58 in.

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Added on : Thursday December 05th 2013 09:00:07 AM
Getting ready for 3rd AOR - how does this look?
Added on : Wednesday December 04th 2013 09:00:10 AM
g: 0 Posted By: Muscle
Views: 97 Replies: 0 Hi all,

I'm getting ready to do my 3rd AOR.

My main focus is to BT as much of my current 0% APR debt ($25k) as possible. The remainder I will pay off or do another AOR around the middle of next year for the remaining balance.

Last AOR was pretty successful. I was able to invest over $20k in mutual funds while making minimum payments which have done very well, along with ~$600 in sign on bonuses and Cash Back.

Background:

Good credit score (above 700, most likely below 800 - last I checked a few months ago it was around 750).
5/1 ARM on condo, not resetting for another 3 years. Car paid off, so not looking for new loans on either of these.
May possibly do a HELOC early next year on my property as a mutual fund investment vehicle if I can find a rate that makes sense.
About 50% utilization on all cards, with 0% on sock-drawered ones and 90%+ on ones still going at 0% APR.
About $25k CC debt all at 0% APR.
Promo APR will expire between April-July 2014 on current cards.

Current cards:

AMEX Costco
AMEX Blue EveryDay
Chase Freedom
Chase Slate
Citi Dividends Platinum
Citi Simplicity
Citi Forward
Discover (regular)
BoA Cash Rewards

I've had bad luck with CapOne, they always deny me. Don't think it's worth it to apply with them anymore. I think I'm maxed out on Chase cards, as I've had 3x Freedom cards consolidated into the Slate card for a total CL of 14k.

I do have a pre-qualified offer from Citi for a 0% APR 18 months/3% fee BT card, so I may do that one, but it has no sign-on bonuses. I also have an offer from Citi to transfer a balance to one of my unused cards which has a 7k CL for 3%.

That said, here are the cards I'm considering applying for:

Discover IT - 3% BT fee, 0% APR for 14 cycles, no bonus
Citi Diamond Preferred - 3% BT, 0% APR for 18 cycles, no bonus - downside: already have a bunch of Citi Cards and 2 prequal offers, so may not want to do this one too
Citi Thank You Preferred - 3% BT, 0% APR for 15 cycles, no bonus- downside: already have a bunch of Citi Cards and 2 prequal offers, so may not want to do this one too
Barclay Rewards MC - 3% BT, 0% APR for 12 cycles, $100 Cash Back if spending $1000 in 3 months
US Bank Platinum Visa - 3% BT, 0% APR for 15 cycles, no bonus
Various 3% BT, 0% APR for 12-15 cycle cards found athttp://www.nerdwallet.com/balance-transfer-credit-cardsincluding Hancock Bank, Union Bank, Bremer Bank, First National Omaha, Citizens Bank, etc - are these any good? Never heard of these banks before.

Suggestions on which cards I should focus on/what I should avoid/what I'm missing?

Lastly (but most importantly) should I apply for the pre-qualified offers from Citi and awaiting a response BEFORE doing this AOR? That is, can they deny me my 'pre-qualification' on account of too many inquiries with other applications?

TIA

Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 0 Replies: 0 New

http://1sale.com/electronics/tv-home-theater/gx1200v/
g: -1 Posted By: MrsF
Views: 270 Replies: 0 http://www.amazon.com/TOTAL-AMNESIA-TIM-NORTHWAY-ebook/dp/B00FV2DB8A/ref=sr_1_8?s=books&ie=UTF8&qid=1386025463&sr=1-8&keywords=cyber+monday+book+deals

75% Off Today only, Cyber Monday!

Release Date: October 12, 2013 For mature audiences only

Review
You have in front of you a rare and unique book. Not only does it present, in Tim Northway, probably one helluva exciting author, but it gives you excellent reading value, and it gives you a new slant on a word that has become very tired: aliens. This book opens with what we would call an invasion fleet. The alien fleet has come down to Earth to destroy mankind-- or has it?Do we really consider ourselves that important? Do you really believe a society of beings so powerful and intellectually superior would bother to wage war with us?
Tim Northway presents a story that actually makes a lot of sense. This is no "War of the Worlds" and it isn't a V. This is a story that may just cut humanity down to size. Maybe we just aren't that important to the aliens? Perhaps we are just cattle?
This is a five star read and I just have to say that I can't wait to see what Northway comes up with next.


From the Author

I am a writer with a purpose and a theme.

My fictional stories are about you as a spirit and the villain is always those who would destroy and enslave you.They are wild fantastic stories firmly planted in reality told with good ol' humor with a dose of satire.

The villains are the pseudo-scientific brain boys who want you to believe you are a hunk of meat obeying the Laws of Physics. Theywant to destroy your goals and purposes and replace them with a computer program based upon hard-wired neurons, DNA and Evolution. They want to convince you that love is a chemical reaction, understanding is synchronous computation, reason is a hard-wired circuit and awareness is electricity in the brain (or something like that). These "scientists" want to destroy your soul. They want you to take drugs to balance your chemicals and adjust your neuro-transmitters when you are neither the neurons nor the transmitters.They give you their fancy diagrams of neurons and synapses and show you their brain scans and tell you that this is how "thinking" happens.The underlying purpose? To convince you that you are a slave.They are far more convincing then I am.But perhaps by reading my stories, my little rant will begin to make sense.

At the very least I guarantee a great story.
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g: 0 Posted By: DaysFan
Views: 98 Replies: 0 linked
Stafford Microfleece Sleep Pants $26 original $12.99 sale
http://www.jcpenney.com/

The ultimate in comfort, these thick, soft, warm sleep pants are no nonsense when it comes to chill chasing.
elastic waist with drawstring
button fly
side-seam pockets
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washable
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Stafford Flannel Sleep Pants $26 original $12.99 sale

Soft, cozy flannel sleep pants will put you in a relaxed state of mind.


elastic waist with drawstring
button fly
side-seam pockets
cotton
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Stafford Flannel Sleep Pants - Big & Tall
$14.99
linkedThe older men in my family still use these and are so happy to get them......

Dockers 6-pc. Hanky Set
$11.99The discerning man always carries a handkerchief. Kept in a pants pocket or folded stylishly in a breast pocket, its essential for spill, cries, and of course, the obvious. These come in a convenient set of six so that you can have a clean one always in rotation.

linked

cotton
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try code SUNDAY OR CYBERDLS

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Hisense Sero 7 PRO 7.0" Tablet (Refurbished) $85 @ newegg or eBay
Added on : Friday November 29th 2013 05:00:08 PM
g: 2 Posted By: bru20
Views: 345 Replies: 2 This tablet often gets mentioned in other threads. Here it is refurbished for $85 from Newegg via eBay or direct from Newegg.

eBay

newegg
Tablets & iPads Deals
Hisense Sero 7 PRO 7.0" Tablet (Refurbished) $85 @ eBay
Added on : Friday November 29th 2013 03:00:01 PM
g: 0 Posted By: bru20
Views: 0 Replies: 0 This tablet often gets mentioned in other threads. Here it is refurbished for $85 from Newegg via eBay.

Link
g: 1 Posted By: puppiloveky
Views: 153 Replies: 1 $29.99With 2-year contract extension

HTC - One 4G Mobile Phone - Blue (Verizon Wireless)Android 4.2 Jelly Bean operating systemAlong with a 1.7GHz Qualcomm Snapdragon 600 quad-core processor allows you to stay connected and productive on the go.4G speedOffers quick and easy connection speeds.Wi-Fi 802.11 b/g/n/ac networkFor Internet capability on the go.Bluetooth compatibilityEnables wireless communication with a Bluetooth-enabled device.High-definition touch screenOffers easy navigation and crisp 1080p visuals.HTC UltraPixel Camera with HTC ZoeFeaturing UltraPixel and ImageSense technologies, with an f/2.0 lens that allows you to shoot clear photos and video with 1080p resolution. HTC Zoe captures a 3 second video making your pictures come to life.MP3 playerAllows you to enjoy your favorite tunes when you're out and about.Hands-free speakerphoneLets you chat safely while driving.Vibration alertDiscreetly notifies you of incoming calls and messages.1,000-entry phone book
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Best Buy Coupons
LEGO Ninjago Temple of Light 70505 $48 @ Amazon
Added on : Wednesday November 27th 2013 02:00:03 PM
g: 0 Posted By: easycom
Views: 36 Replies: 0 Amazon has LEGO Ninjago Temple of Light for $48. Shipping is free.

Includes 5 minifigures with weapons: Lloyd (golden ninja), Lord Garmadon, Sensei Wu, scout and swordsman.
Features the golden mech, opening sides, 4 elemental blade holders, trapdoor, weapons rack, gong and a ladder.
Control the golden mech!
Weapons include 4 elemental blades, spear, ninja sword, crossbow with quiver, Lord Garmadon's staff and Sensei Wu's golden staff.
Golden mech features poseable limbs, adjustable hat, cockpit with space for a minifigure and a large golden sword.

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Amazon Coupons
Found out company offers ROTH match. Can I use it to save for a house?
Added on : Tuesday November 26th 2013 04:00:09 PM
g: 0 Posted By: packers9626
Views: 48 Replies: 2 I already have a 401k where I contribute 6% and get a 4.5% company match. Feel like that is adequate savings for retirement at this point in my life (mid 20s). However, I was looking up some details on my 401k and apparently I could also get another 75% match on a ROTH (up to 6% of salary) if I started one. I realize opening a Roth for retirement would be a good thing, but its just not going to happen right now.

I am in my mid 20s and do ok, but don't make a ton of money yet. Trying to save up and buy a house, which is a big priority for me. Would contributing to a ROTH to get the employer match with the intention of taking the money out upon purchasing a home be possible and/or make sense? Even if there are tax implications, could make sense with the match.

Any thoughts on this?

Personal Finance Deals
g: 0 Posted By: kotakramesh
Views: 59 Replies: 0 http://www.staples.com/HP-Pavilion-15-N020US-15-inch-Touch-Screen-Laptop/product_275819
Coupon code: 64888

FInal price: $479-$100 coupon-$50 rebate=$329

Product Info
Reviews
Supplies & Accessories


Product Details
Specifications

PRODUCT DETAILSTouch within your reach!Imagine what's possible when proven technology meets the intuitive ease of touch. With dependable processing power, lots of applications and up to 750GB of storage, you can do it all on this TouchSmart notebook that's built to last.

AMD Quad-Core A6-5200 Accelerated Processor 2.00 GHz 2MB L2 Cache
4GB DDR3L SDRAM
750GB 5400RPM hard drive with HP ProtectSmart Hard Drive Protection
15.6-inch diagonal HD BrightView LED-backlit touchscreen display (1366x768)
SuperMulti DVD burner
802.11b/g/n WLAN
Full-size island-style keyboard with numeric keypad
HP TrueVision HD Webcam
DTS Sound+: Dynamic and subtle nuances provide rich sounds for a concert-like experience
Lithium ion battery; Up to 4 hours battery life
Dimensions: 0.97 in (H) x 15.18 in (W) x 10.16 in (D) (5.6 LBS)
Windows 8
1 Year Limited Hardware Warranty with Toll-Free Support

Portable
Weighing in at about 5.6 pounds, the HP Pavilion 15-inch touchscreen laptop measures less than an inch high when closed. This slim lightweight computer provides an abundance of disk space to hold all of your files and programs but remains small enough to travel with you wherever you go.Vivid Picture and Sound
The 15.6-inch display supports high-definition images, allowing you to enjoy superior picture quality when watching movies, viewing images, or playing games. The DTS Sound+ system produces rich dynamic sound that will make you feel like you're in a concert hall. The HD webcam coupled with the HP TrueVision software will ensure you always look your best whether you're video chatting with family or conferencing with coworkers over Skype.Convenient
The HP Pavilion 15-inch touchscreen laptop lets you easily move through files and programs using just your fingertips. Swipe and tap your way to increased productivity.SPECIFICATIONS
Laptop Screen Size (Inches) 17.3 Laptop Screen Size 15"-15.9" Laptop Display Type Diagonal HD(33) BrightView LED-backlit touchscreen display (1366x768) Laptop Memory RAM (GB) 4 Laptop Memory Type DDR3L SDRAM (1 DIMM) Laptop Hard Drive Capacity Details_db2_3511 750GB Laptop Hard Drive Capacity (GB) 750 Laptop Hard Drive Speed 5400RPM Laptop Processor Type Details AMD Quad-Core A6-5200 Accelerated Processor Laptop Processor Type_db2_13376 AMD A6 Laptop Processor Speed 2.0GHz CPU Cache 2MB L2 Cache Laptop Optical Drive SuperMulti DVD burner Laptop Network Card 10/100BASE-T Ethernet LAN (RJ-45 connector) Bluetooth Compatibility No Laptop Operating System Windows 8 Laptop Extra Features HP CoolSense Laptop Other ports 1 HDMI, 1 RJ-45 (LAN), 1 Headphone-out/microphone-in combo jack Laptop USB Slots SuperSpeed USB 3.0, 1 Universal Serial Bus (USB) 2.0 Laptop Video Graphics AMD Radeon HD 8400 graphics Video Graphics Memory Up to 2029MB total graphics memory Media Card Reader Multi-format digital media card reader for Secure Digital cards Laptop Audio DTS Sound+ Laptop Color Details Black/Silver Laptop Color Black Laptop Webcam HP TrueVision HD Webcam: Always come off looking your best. Even in low light.( Laptop Battery Life Up to 4 hours Laptop Battery Type 4-cell 41WHr 2.8Ah lithium-ion battery Laptop Dimensions (L x W x H) 47.24"L x 39.37"W x 46"D Laptop Weight 5.6 lbs. Laptop Warranty 1-Year Warranty Laptop Use Everyday Laptop Refurbished No Laptop Style Laptop/Notebook Touch Screen Enabled Yes
g: 1 Posted By: archena
Views: 822 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Modernist Cooking Made Easy: The Whipping Siphon [Kindle Edition] was $9.99

Jason Logsdon (Author)

http://www.amazon.com/dp/B00GMPBLJQ

Publication Date: November 15, 2013

Publisher: Primolicious LLC

8 Reviews ★★★★★
#1 inKindle Store > Kindle eBooks > Cookbooks, Food & Wine > Special Occasions > Gourmet
#3 inKindle Store > Kindle eBooks > Cookbooks, Food & Wine > Reference

Are you looking for an easy way to amaze your friends?

Do you have a whipping siphon but are afraid you are not getting the most out of it?

If you nodded your head "Yes" then this book was written for you!

Modernist Cooking Made Easy: The Whipping Siphon focuses on presenting the 3 main uses of the whipping siphon: Foaming, Infusing, and Carbonating. It delivers the information you need to understand how the techniques work and provides you with over 50 recipes to illustrate these techniques while allowing you to create great dishes using them. Plus, these techniques can produce an amazing array of dishes that anyone can easily use to experience the joys of modernist cooking as well as to blow their diners away!

Whether you have an iSi Whipping Siphon, a culinary whipper, a Whip-It, or any other cream whipper or whipped cream dispenser this book will help you get the most out of it. From thick, rich foams to thin, flavorful froths and from fizzy grapes to highly-nuanced alcohol infusions, a whipping siphon can create food that plays with all of the senses. It is an awesome way to easily wow your family and friends!

What You Get in This Book:

An in-depth look at the three main uses of the whipping siphon: foaming, infusing and carbonating.

An overview of how the whipping siphon works and a detailed look at what ingredients work best with it.

A troubleshooting guide to help you overcome any issues that arise.

More than 50 recipes providing a wide variety of delightful taste sensations. They include:

Foams, mousses, soups and dips

Infused alcohols, oils and vinegars

Carbonated beverages and fruits

A comprehensive primer on foaming including different types of foams, foaming ingredients and uses of foams.

Detailed summary charts with the different applications for various ingredients and what ratios they should be used in.

If you want to master the whipping siphon, delight your taste buds, and amaze your friends, then this is the book for you!
Totally Free Deals
buying home in the SF area
Added on : Wednesday November 20th 2013 05:00:16 PM
g: 0 Posted By: proflin
Views: 269 Replies: 5 Hi, I really could use some help here -- My wife and I have been looking around in the bay area and I've been trying to run numbers on what we can afford. Between the two of us, we'd be making about 200k and the homes are around the 1 Million range.

We plan to stay in the area for the long term and are trying to decide if this is a time to buy a place or not. Current rents would be around 3K.

I'm also wondering if it makes sense to put more money down (my parents are willing to help and we can put as much as 40% without too much stress). So, with a 600K loan, my estimates work out to monthly:
3K (Principal/Interest), 400 (Homeowners Insurance), 300 (maintenance/utilities), 1K (property tax) .. so that's about $4700 per month. We take home about 9,500 / mo with our current deductions. Is our housing payment too much? Our agent is saying we should factor in our tax deduction (33% federal, 15% california) making our monthly payment ~2400.

This is a lot lower than a comparable 3K rent. Am I missing something with this calculation?

My main concern is if one of us loses our jobs, will we be able to still live comfortably? I don't want to be stressed about cash flow...
.
Real Estate Deals
Sitting on cash with a student loan decision to make...
Added on : Wednesday November 20th 2013 05:00:15 PM
g: 0 Posted By: jd2010
Views: 161 Replies: 0 Time for another installment of "pay your student loans, deadbeat."

Backstory: Over the past 2.5 years my financial picture has gone like this:
Then Now IRA 0 15000 401k 0 30000 Cash 0 25000 CC Debt -20000 0 Student Loans -140000 -125000
I am juggling a lot of variables and want to rely on the wisdom of FWF to help me make the best decision. There are multiple issues at play making the right call here murky (at least in my opinion)

As of today, all student loans are consolidated on Income Based Repayment (IBR) at a weighted 7.2%. My monthly payment is around $900, which covers interest but makes near 0 dent in principal.


1) Employment - Employment and promotion prospects are murky due to bureaucracy and being under the sales dept umbrella at Fortune 500 employer. I could be out on my ass in a month if we miss #s and mgmt wants the stock to go up a penny or two. Job is also semi unique and am not sure how easily I could find similar employment at a similar comp level. Changing comp changes my monthly loan payment, and thus, the entire game if something should happen to jobby.

2) House - I missed the bottom by a lot and am not in any rush to buy now, but I'd like the liquidity to take advantage of the next crash when helicopter ben runs out of steam, along with any other FWF shenanigans that require some capital to scale.

3)Car - Has several issues and the carfax is ugly to where I am probably best served driving it into the ground. I may need to make a vehicle purchase in next year or in 5 years, depending on how long bubblegum and duct tape holds it together.

4)Bailout possibilities/point of no return- I have been hesitant to start going hard at my loans so far. I am at the income and loan amount combination, where if I don't see a jump in pay, I am probably better off doing the status quo for a while and seeing what comes down the chute from govt. Once I commit $ to loans I am basically opting out of whatever bailout may come in the future because my debt/income will likely be too low to benefit. If I get a promotion I'll likely be making enough to where I can knock them out in 5 years or so and procrastinating won't make sense. But as it is now I feel stuck.

Wildcard: GF will be graduating with 200k in debt in 1.5 years and taking job in health sector, with potentially much more lenient student loan forgiveness terms. We have no plans of getting married or having kids. However, we would consider a paper marriage should it behoove us from a student loan perspective where my loans may be able to be shell-gamed in combination with hers to maximize forgiveness benefits and start attacking the ones that make the most sense jointly.


As I see my options, they fall into varying degrees of the following two scenarios...

Continue to stockpile cash and pay the IBR minimums, which will cover interest and wait for the house of cards to fall and pray for free $.
Pros:
1) Will be in good shape if I get canned
2) if my car takes a dump
3) if at some point I want to do a house
4) Most notably, am positioning myself as well as I can to take advantage of apotential wide-reaching student loan bailout when the whole higher ed bubble goes boom.

Cons:
1) Passing onrisk-free guaranteed 7+% return (assuming no bailout)

Throw most of the 25k at student loans
Pros
1)7% return and I am a responsible FWF citizen who PHBDB.
Cons:

1) Shoots all liquidity to hell, limited ability to do house or car for foreseeable future
2) Once I go down the path of actually paying back my loans, my loan total will shrink to where I will be far less likely to qualify for any govt cheddar. It is basically a 10 year decision if I decide to start paying them down.


Would appreciate outsider input as to whether Im overcomplicating this. If I do keep stockpiling, how aggressively do I then invest it ranging from 1% CD to putting it all on black in vegas?
Personal Finance Deals
g: 0 Posted By: nomansland
Views: 89 Replies: 0 Sale price $6.89, Clip $2 coupon, S&S to get free shipping.

http://www.amazon.com/Good-Sense-Acetaminophen-Strength-Reliever...
g: 0 Posted By: archena
Views: 20 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Modernist Cooking Made Easy: The Whipping Siphon [Kindle Edition] was $9.99

Jason Logsdon (Author)

http://www.amazon.com/dp/B00GMPBLJQ

Publication Date: November 15, 2013

Publisher: Primolicious LLC

8 Reviews ★★★★★

Are you looking for an easy way to amaze your friends?

Do you have a whipping siphon but are afraid you are not getting the most out of it?

If you nodded your head "Yes" then this book was written for you!

Modernist Cooking Made Easy: The Whipping Siphon focuses on presenting the 3 main uses of the whipping siphon: Foaming, Infusing, and Carbonating. It delivers the information you need to understand how the techniques work and provides you with over 50 recipes to illustrate these techniques while allowing you to create great dishes using them. Plus, these techniques can produce an amazing array of dishes that anyone can easily use to experience the joys of modernist cooking as well as to blow their diners away!

Whether you have an iSi Whipping Siphon, a culinary whipper, a Whip-It, or any other cream whipper or whipped cream dispenser this book will help you get the most out of it. From thick, rich foams to thin, flavorful froths and from fizzy grapes to highly-nuanced alcohol infusions, a whipping siphon can create food that plays with all of the senses. It is an awesome way to easily wow your family and friends!

What You Get in This Book:

An in-depth look at the three main uses of the whipping siphon: foaming, infusing and carbonating.

An overview of how the whipping siphon works and a detailed look at what ingredients work best with it.

A troubleshooting guide to help you overcome any issues that arise.

More than 50 recipes providing a wide variety of delightful taste sensations. They include:

Foams, mousses, soups and dips

Infused alcohols, oils and vinegars

Carbonated beverages and fruits

A comprehensive primer on foaming including different types of foams, foaming ingredients and uses of foams.

Detailed summary charts with the different applications for various ingredients and what ratios they should be used in.

If you want to master the whipping siphon, delight your taste buds, and amaze your friends, then this is the book for you!
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g: 0 Posted By: AnAceBuyer
Views: 122 Replies: 0 Model:GI6SARXXF listed elsewhere asGI6SARXXY. linkyHere

Lowes has this on sale after you add to shopping cart. GREAT fridge; just bought my second one this week (we moved to a new home). Check the height constraints over your current fridge. At 70", we had to modify the cabinet about for this to fit. Worth it, though!

Neutralize most sales tax with the ebates.com Cash Back program, too.

Used a 10% post office moving discount (register you move online for $1; the Lowes discount card is mailed from USPS to your new home address), or you can use a 5% Lowes card discount.

Or, use the 10% AmEx card and then use AmEx Gold or other card to get 2nd year free warranty extension, OR choose Lowes $119 5-year service contract, which is what we did. Maybe your Discover card will net you a 5% Cash Back, too?Specs: WhirlpoolGold 25.6-cu ft 3 French Door Refrigerator with Single Ice Maker (Satina Steel) ENERGY STAR

Get the look of stainless without the fingerprints
ENERGY STAR qualified, this refrigerator meets government standards to help conserve natural resources and save money on utility bills
Accu-Chill temperature management system enabled by 6th Sense technology returns food to the desired temperature quickly
Tap touch controls - the sleek, high-tech touch screen allows you to interact directly with your refrigerator and navigate through its features
Exterior ice and water dispenser provides easy access to chilled, filtered water on the outside of the refrigerator
PuR water filtration reduces unwanted impurities from household water, giving you filtered ice and water direct from your refrigerator
SpillGuard glass shelves contains spills and simplify cleanup, preventing liquids from leaking onto shelves below
Full-width pantry drawer easily accommodates wide items like party platters and sheet cakes

Appliance Color/Finish Stainless look Overall Capacity (Cu. Feet) 25.6 Refrigerator Capacity (Cu. Feet) 18.9 Freezer Capacity (Cu. Feet) 6.7 Door Texture Smooth Door Style Contoured Hidden Hinge Yes Handle Type Standard Water Filtration Yes Dispenser Options Filtered water and cubed/crushed ice Child Safety Locks Yes Water Filter Indicator Yes Door Alarm Yes Dispenser Light Yes Ice Maker Single Space-Saving In-Door Ice No Air Filtration No Dual Evaporator Cooling System No Refrigerator Interior Lighting Incandescent Electronic Temperature Control Yes Shelf Options Adjustable spillproof sliding glass shelves Temperature Controlled Drawer Yes Snack/Deli Drawer Yes Pantry Drawer Temperature-controlled Door Shelves 6.0 Gallon Door Storage Yes Humidity-Controlled Crispers 2 Freezer Door Bins 1
Freezer Baskets 1 Freezer Door Style Pull-out drawer Frost-Free Yes ENERGY STAR Qualified Yes CEE Tier Qualified CEE Tier II Height to Top of Case (Inches) 68.625 Height to Top of Door Hinge (Inches) 70.125 Width (Inches) 35.625 Depth (Including Handles) (Inches) 35.25 Depth (Excluding Handles) (Inches) 32.875 Depth (Less Door) (Inches) 29.0 Depth with Door Open (Inches) 48.0 Manufacturer Color/Finish Satina Steel Cabinet Color Gray Door Handle(s) Color Stainless steel Toe Grille Color Gray Custom Door Kit Compatible No Manufacturer's Warranty (Labor) 1-year limited Manufacturer's Warranty (Parts) 1-year limited Lowe's Exclusive Yes Color/Finish Family Steel-Painted CSA Safety Listing No ETL Safety Listing No UL Safety Listing No ADA Compliant No Sub-Brand Gold Series N/A Number of Doors 3.0

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Lowe's Coupons
g: 0 Posted By: ctgolfer
Views: 150 Replies: 0 http://tools.woot.com/offers/fire-sense-44k-btu-patio-heaters-yo...
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ACA (Covered California): Health Care as Individual or Small Business?
Added on : Friday November 15th 2013 12:00:09 PM
g: 0 Posted By: orky
Views: 97 Replies: 0 All this health insurance changes is really difficult for me to process. I have recently left a full-time paying job and am going at it on my own. For the short-term, it is just myself in my S-Corp with minimal expenses and income. Existing health care plans are expensive and I have purchased a barebones plan to ensure I have at least something.

So my question is, does it make more sense to set up a health care plan through the business to cover myself as an employee(and my spouse as a dependent), or should I just avoid it and go the individual health care route? If I go the business route, there are supposed tax benefits and perhaps the plans might be more beneficial. The individual route sounds like less headache.

Help! Thanks in advance.
Personal Finance Deals
Dial 3.5 oz Bar Soap $0.57, 16 oz pump $2.99 @ Freund Container
Added on : Wednesday November 13th 2013 05:00:06 AM
g: 0 Posted By: motherplucker
Views: 51 Replies: 0 If you're in need of bulk Dial bar or liquid soap, Freund Container has it on sale in their "Last Chance" section:http://www.freundcontainer.com/dial-gold-antimicrobial-soap/p/v1000J03/

Since shipping (and tax in some states) kills the deal on small quantities, you'll need to buy in large quantities for this deal to make sense. Or if you're in need of containers or shipping supplies, you can tack these on to your order for a minimal cost.

The bars seem to run about $0.75 to $1.00 each (case of 72) on sites like Amazon, Staples, Overstock, etc... The 16 oz liquid soap runs about $5/ea (case of 12).
Health & Beauty Deals
g: 0 Posted By: wei2cool
Views: 213 Replies: 0 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=inherit
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 (forH.264/MPEG-4/AVC files)
Dimensions:4.4 x 4.4 x 1.3
Weight: 11.2 ounces


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1Sale.com Coupons
g: 0 Posted By: ctgolfer
Views: 105 Replies: 0 http://1sale.com/electronics/tv-home-theater/gx1200v/
Electronics Deals

1Sale.com Coupons
g: 0 Posted By: MISTERCHEAP
Views: 101 Replies: 0 RedPlum 11/17/13 Insert Preview

Alouette $1/1 brie dnd (2/24/14)
Alouette $1/1 spreadable cheese dnd (2/24/14)
Angel Soft $.45/1 bath tissue (12/17/13)
Angel Soft $.50/1 facial tissue (12/17/13)
Best Foods $.50/1 22oz+ product (12/15/13)
Brawn $.55/1 paper towels (12/17/13)
Bridgford $.50/1 frozen rolls, bread dough or monkey bread (1/31/14)
Caress $.75/1 body wash 12 oz+ or 6 pk+ bar ets (12/15/13)
Crunchmaster $1/1 bag or box crackers (1/31/14)
Degree $3/1 women clinical or 2 women motionsense or ultraclear products ets (12/15/13)
Diamond of California $.55/1 8 oz+ item (12/31/13)
Dogswell $1.50/1 treat 15 oz or smaller (12/31/13)
Dove $1/1 body wash 12 oz+ excludes trial and M+C (12/1/13
Dove Men+Care $1/1 body and face wash 13.5 oz+ ets (12/1/13)
Dove $3/2 go sleeveless, go fresh, clear tone or 1 clinical protection excludes trial, multipacks and M+C (12/15/13)
Head & Shoulders $1/2 products excludes 1.7 oz and trial (12/31/13)
I Can't Believe It's Not Butter! $.40/1 spread excludes sticks and spray (12/15/13)
Knorr $.50/2 recipe/sauce/gravy mix products (12/15/13)
Knorr $1/1 homestyle stock (12/15/13)
Lipton $.40/1 tea bag, k-cup, tea & honey or iced tea mix (12/15/13)
Lipton $1/1 k-cup (1/12/14)
Magnum $1/1 ice cream multipack (12/14/13)
McCormick $1.75/2 extracts (12/31/13)
Nestle $.75/2 toll house morsels (12/31/13)
Pedigree $1/1 dry food for dogs 3.5 lbs+ (1/4/14)
Pedigree $1/1 Little Champions pouch variety pack 8 or 12 ct or 6 single pouches or 6 13.2 oz cans (1/4/14)
Ponds $1.50/1 luminous finish bb+ cream product ets (12/15/13)
Ponds $1.50/2 skin care items ets Target COUPON (1/5/14)
Ponds $1/1 product ets (12/15/13)
Quilted Northern $.45/1 ultra plush 6 double rolls+ (12/17/13)
Quilted Northern $.45/1 ultra soft & strong 6 double rolls+ (12/17/13)
Ragu Buy 2 red sauces, get 1 cheese creations free excludes twin packs up to $2.50 (12/1/13)
Shedd's Spread $.40/1 Country Crock product excludes trial and pumpkin/cinnamon and honey (12/15/13)
Simple Buy 1 cleanser or moisturizer, get 1 cleansing wipes free up to $6.99 excludes eye roll-on, eye balm and trial (12/1/13)
Sparkle $.50/1 paper towels 2 giant rolls+ (12/17/13)
Splenda $1/1 sweetener packets 200 ct+, sweetener granulated 9.7 oz+, sugar blend products or nectresse sweetener dnd (12/8/13)
Splenda $3/2 sweetener packets 200 ct+, sweetener granulated 9.7 oz+, sugar blend products or nectresse sweetener dnd (12/8/13)
St. Ives $1.50/1 Fresh Hydration lotion spray ets Target COUPON (1/5/14)
St. Ives $1/1 9 oz+ hand & body lotion or 24oz body wash excludes Fresh Hydration and trial Target COUPON (1/5/14)
St. Ives $1/1 facial skin care item excludes Fresh Hydration and trial Target COUPON (1/5/14)
Suave $.50/1 2.6 oz deodorant product (12/15/13)
Suave $1.50/1 body lotion ets (12/15/13)
Suave B2G1 free body wash excludes kids and trial up to $3 (12/1/13)
Suave Professionals Buy 1 shampoo, get 1 conditioner free ets up to $5 (12/1/13)
Superpretzel $.50/1 pretzeldogs (12/6/13)
Superpretzel $.75/2 products (12/6/13)
TRESemme $5/2 products excludes gift packs and trial (12/15/13)
Vanity Fair $1/2 napkins or guest hand towels (12/31/13)
Vaseline $1.50/1 lotion 20.3 floz+ ets (12/15/13)
Wet n Wild $1/1 wet n wild, fergie or gift set product (11/30/13)
White Castle $.50/1 6+ microwaveable hamburgers or cheeseburgers (12/31/13)
White Castle $1/1 16+ microwaveable hamburgers or cheeseburgers (12/31/13)


SmartSource 11/17/13 Insert Preview

Air Wick $2/2 candles (12/15/13)
Betty Crocker $.50/2 boxed potatoes excludes potato buds and pouch and twin pack (1/11/14)
Bisquick $.40/1 20 oz+ original, heart smart baking mix or 10.6 oz shake n pour pancake mix (1/11/14)
Brookside $1/2 chocolate bags 7 oz+ (12/31/13)
Brut $1/1 fragrance 3.5 oz+ (12/17/13)
Chinet $1/1 classic white square plates (12/31/13)
Cottonelle $.50/1 flushable cleansing cloths ets (12/28/13)
Cottonelle $.50/2 toilet paper 4 pks or 1 9 pk+ (12/28/13)
Cracker Barrel $1/1 cheese product 6-8 oz (12/31/13)
Depend $1/1 product (12/28/13)
Depend $1/1 Real Fit or Silhouette product (12/28/13)
Depend $2/1 shields or guards for men (12/28/13)
Dole $.60/2 canned juices 46 oz or 6 oz 6 pks (1/31/14)
Drano $1/1 product (12/28/13)
Dunkin Donuts $1/1 coffee creamer (12/31/13)
Easy-Off $.75/1 oven cleaner (12/31/13)
Glass Plus $.35/1 product (12/31/13)
Green Giant $.60/3 Seasoned Steamers or Valley Fresh Steamers frozen vegetables 11 or 12 oz (2/8/14)
Hershey Company $1/2 Hershey's Kisses, Reese's miniatures, Hershey's miniatures, Hershey's nuggets, York miniatures, Kit Kat miniatures or Rolo bags 7.8 oz+ (12/8/13)
Hidden Valley $.75/1 dry dips or dressing mix (2/17/14)
Huggies $.50/1 baby wipes 40 ct+ (12/14/13)
Huggies $3/1 diapers 42 ct+ (12/14/13)
Huggies $3/1 little movers or little snugglers diapers or overnites diapers 42 ct+ (12/14/13)
Infusium 23 $2/1 shampoo, conditioner or leave in treatment 8 oz+ (12/17/13)
Lime-A-Way $.75/1 cleaner (12/31/13)
Martha Stewart $2/1 Essentials supplement (1/31/14)
Martha Stewart $2/1 Essentials supplement (2/28/14)
Mop & Glo $.75/1 product (12/31/13)
Mrs. Cubbison's $.75/2 stuffing or dressing dnd (12/31/13)
Mt. Olive $.75/1 pickles, peppers or relish product (12/29/13)
Old English $.75/1 product (12/31/13)
Pert Plus $1/1 2-in-1 product 13.5 oz+ (12/17/13)
Philips Sonicare $10/1 rechargeable toothbrush excludes PowerUp and Sonicare for Kids (12/31/13)
Philips Sonicare $15/1 DiamondClean, FlexCare Platinum, FlexCare+ or AirFloss (12/31/13)
Philips Sonicare $3/1 for kids, PowerUp handle or PowerUp 3pk brush heads (12/31/13)
Philips Sonicare $8/2 multi-pack brush heads excludes PowerUp (12/31/13)
Pillsbury $.30/2 refrigerated Grands! biscuits (2/8/14)
Pillsbury $.40/2 sweet rolls or Grands! sweet rolls (2/8/14)
Pillsbury $.40/3 crescent dinner rolls excludes twin pack (2/8/14)
Pillsbury $.50/2 rolled refrigerated pie crusts (2/8/14)
Planters $1/2 nuts 6 oz+ (dnd (1/31/14)
Playtex $1/1 Gentle Glide or sport tampons (12/31/13)
Poise $1/1 feminine wellness product ets (12/28/13)
Post $1/1 Grape-Nuts or Raisin Bran cereal 15 oz+ (12/29/13)
Purina Beneful $2/1 dog food (2/17/14)
Purina Beneful B1G1 free dog snack up to $4.49 (12/17/13)
Purina Fancy Feast $1/24 3 z cans or 1 24 ct variety pack (2/17/14)
Purina Fancy Feast $1/6 3 oz cans Delights with Cheddar (2/17/14)
Purina Fancy Feast $1/6 3 oz cans Gravy Lovers (2/17/14)
Purina Friskies $.50/1 cat treats (2/17/14)
Purina Pro Plan $2/1 dog snack (2/17/14)
Pyrex $1/1 glassware, bakeware or prepware (1/31/14)
Rubbermaid $1/1 easy find lids (12/31/13)
Rubbermaid $1/2 take alongs (12/31/13)
Schick B1G1 free disposable razor pack up to $10.50 not valid on 2ct or 10+2 ct, hydro 5 or hydro silk disposables (12/22/13)
Schiff $2/1 move free advanced products (2/10/14)
Schiff $4/1 move free ultra products (2/10/14)
Scotch-Brite $.75/2 scrub sponges and scour pads (12/31/13)
Scotch-Brite $1/2 bathroom solutions cleaning tools (12/31/13)
Scotch-Brite $1/2 dishwands or dishwand refills (12/31/13)
Scrubbing Bubbles $.75/1 all purpose cleaner with fantastik (12/28/13)
Skippy $.75/2 peanut butter or spread products 15 oz+ (1/13/14)
Soda $.55/2 2-liter 7UP, A&W, Canada Dry, Sun Drop or Sunkist dnd (12/31/13)
Soda $.75/1 2-liter 7UP Ten, A&W Ten, Canada Dry Ten, RC Ten or Sunkist Ten dnd (12/31/13)
Sure $1/1 2.6 oz+ (12/17/13)
Tabasco $.60/1 (12/31/13)
Yardley $1/4 individual bar soaps, 2 double packs or 1 4 pk or 1 shower gel (1/26/14)
Yuban $1/1 ground coffee or instant coffee (12/14/13)
Zantac $5/1 24 ct+ (1/11/14)
Grocery Deals
g: 1 Posted By: remick
Views: 130 Replies: 0 http://www.amazon.com/Brands-Dont-Grow-Trees-Engineering-ebook/dp/B00GJD2KDC

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

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

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

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

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

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

Amazon Coupons
Refurbished Hisense Sero 7 Pro tablet for $89.99 Shipped @ 1saleaday
Added on : Friday November 08th 2013 11:00:02 AM
g: 0 Posted By: adnay
Views: 124 Replies: 0 Refurbished Hisense Sero 7 Pro tablet for $89.99 Shipped@ 1saleaday
Android Tablets Deals

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Fitbit Force lt;$90 (+Tax) Shipped @ Brookstone
Added on : Thursday November 07th 2013 01:00:04 PM
g: 4 Posted By: Lugs
Views: 1009 Replies: 6 NEW Fitbit Force Wireless Activity & Sleep Wristband @ Brookstone: $129.95
+ Shipping: $9.99
+ Living Social voucher for $50: $25
- $5 (Living Social 20% off - must share on Facebook, Twitter or Pinterest to get unique code)
- $15 (coupon): SAVE715
- $50 (voucher from Living Social)
= $94.94 + tax
Fatcash (5%) should be around $5 or so, depending on your total with tax. Plus don't forget 2% FatCash (or 4% Ebates) on the Living Social purchase. This brings the total spent to less than $90 (plus tax).

Hopefully I did all the math correctly and it makes sense..
Electronics Deals

Brookstone Coupons
Fitbit Force lt;$95 (+Tax) Shipped @ Brookstone
Added on : Thursday November 07th 2013 11:00:05 AM
g: 0 Posted By: Lugs
Views: 366 Replies: 1 NEW Fitbit Force Wireless Activity & Sleep Wristband @ Brookstone: $129.95
+ Shipping: $9.99
+ Living Social voucher for $50: $25
- $15 (coupon): SAVE715
- $50 (voucher from Living Social)
= $99.94 + tax
Fatcash (5%) should be around $5 or so, depending on your total with tax, bringing the total spent to less than $95.

Hopefully I did all the math correctly and it makes sense..
Electronics Deals

Brookstone Coupons
GUNS, Stoeger Cougar (Beretta Subsidary), 9MM 15RD pistol, $369 @ Bud's
Added on : Wednesday November 06th 2013 05:00:03 PM
g: 0 Posted By: Logan71
Views: 56 Replies: 0 I have this pistol and it made by Stoeger - a reincarnation of the Beretta 8000-series pistols made by a subsid of Beretta.

I am very happy with mine, and paid $40 more than this several years ago. The rotating barrel helps with accuracy and its easy to disassemble and clean.Thought the description is confusing, mine is SA/DA, not solely DA.

Good luck...

Link

Description:

The Stoeger Cougar double-action, auto-loading pistol with no-nonsense, rugged performance you can rely on when it matters most.
Stoegers standard, quick-read, three-dot sight system is designed for fast Target acquisition.

The ambidextrous safety and decocking lever is easily accessible to the thumb of a right-handed or left-handed shooter.

The rotary-locking principle used in the Stoeger Cougar has been proven in the service pistols of several nations. The barrel stays in one plane, increasing accuracy.

Action: Double/Single action

Magazine: 2 high-capacity magazines .40 S&W, 11-round; 9mm, 15-round

Safety: Ambidextrous safety lever

Sights: White 3-dot sights
Model: 31700
Stoeger COUGAR 9MM

15-rd capacity

Black Bruniton Finish
Life insurance - inflation-adjusted value
Added on : Tuesday November 05th 2013 04:00:07 PM
g: 0 Posted By: sam008
Views: 63 Replies: 0 guys

spent the last hour reading multiple threads on life insurance and one big question isn't covered. I've used calculators, assessed our life situations and for both me and my wife in our early 30's, 500k for each makes sense. But that is today. NOW, here is my predicament
1) if either of us were to use these policies within 10 years or so, it would make sense and help out quite a bit
2) But after the 20 year mark, these policies really don't hold much value. In 2033, 500k would adjust to about 300k after inflation which really isn't helpful. In 2043, it would adjust to about 180k which is quite terrible. Think about what you can buy for 180k in a major US city today

So my question is - should I take into account inflation for the mid-point of the term? Are most people overlooking this?

Thank you
Question Deals
*** DEAD*** FREE Kindle Book - OPEN was $9.99
Added on : Tuesday November 05th 2013 11:00:06 AM
g: 4 Posted By: archena
Views: 2248 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

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

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
Totally Free Deals
Hilton to Discontinue Fixed Mile Double Dip
Added on : Monday November 04th 2013 09:00:09 AM
g: 0 Posted By: WideOpenSpaces
Views: 36 Replies: 0 Hilton allows guest to double dip their earning preference by either earning points + points, points + variable miles, or points + fixed miles.

I received this via email this afternoon.

On January 6, 2014, we will discontinue the Points & Fixed Miles Earning Style. At this time, you will automatically start to earn variable miles, or 10 HHonors Base Points plus one airline mile (or kilometer) per eligible US dollar spent for most stays.

This is not a major blow for an already poorly valued program, but for our family, who prefers to stay in the cheaper Hilton brands with bills less than $500, it made sense for us to stick with the points + fixed miles option, granting us 500 miles per stay plus the HHonors points earned.

Link: http://hhonors3.hilton.com/en/promotions/update-to-hhonors-earni...
Discussion Deals
From PPO to HSA
Added on : Monday November 04th 2013 07:00:06 AM
g: 0 Posted By: samandy
Views: 32 Replies: 0 Hi All

I have a PPO plan with quarterly cost of $815 for family( 2 Adults 2 kids). I am expecting a dental implant treatment (not for cosmetic purpose) for my wife for about 8000$. If I convert to HSA now 3 months cost increases to 1278(about $154 extra per month).
HSA price will stay till Dec 2014 but if I wait till Jan 2014 , with new health regulation price for similar plan (with some added benefits) will be $2400 per 3 months or if I buy now HSA in Dec 21014 it will got automatically to this price to 2400.

So seems like if I stick to my PPO plan, I will save about $2100 till Dec 2014. If I go to HSA I will have to pay $2100 extra for 14 months but I can get tax deductions. Family income is about 120K for self employed.
Which plan makes more sense in short long term?

Also I want to ask I have an LLC. So buying thorugh my company(Group Plan) makes ore senses or personal plans? Currently I have personal plan.
​Appreciateyour input and help!
Personal Finance Deals
Does MBA make sense for me?
Added on : Sunday November 03rd 2013 12:00:03 AM
g: 1 Posted By: underleveraged
Views: 11 Replies: 0 I'm age 28/29 so I'm starting to reach the point of no return. Either I go now or I'll be too old to go full-time from admission point of view. I can possibly do a 3 year dragged out part-time program while working but I'm not living near a good MBA school within commutable distance at the moment.

I graduated from a regular state university (no brand value) and I want to continue working in the financial services industry. I was able to pay off all debt (including student loans) and that was an amazing feeling. I have no outgoing payments toward any debt. What worries me about going for an MBA is the $100K debt from the top programs.

If I didn't go for my MBA, I think I could live a comfortable life just making normal salary. Probably would be able to afford a house purchase as well with a decent salary. If I went for my MBA, I would try to make a transition into a finance career in Asia as that's something I've been interested in doing lately. I believe there are tremendous opportunities there for someone like me who is bilingual, educated in the US, have good work experience, etc. It wouldn't make sense to go overseas with just my state university degree as the employment sectors in Asia care about your educational pedigree.

In summary, I have two choices:
1. Stay in the US working, save the money, and possibly do a PT later in my life as I work. I probably would never go overseas at that point.
2. Go for the MBA at a good school and pursue an international career.

Do you think the MBA debt from a FT program will be worth the long-term career benefits for someone in my situation?


Investing Deals
Help - Choice between PPO and HDHP/HSA
Added on : Friday November 01st 2013 07:00:07 AM
g: 0 Posted By: RaccoonCitySurvivor
Views: 79 Replies: 9 Help. I need to pick which plan make the most financial sense for my family of 4. Both me and my husband are healthy 30 years old and my twins are 3. I listed the comparison below. Some I left out since it doesn't apply to us.
PPO HDHP+ $1000 HSA Coverage $750 Deductible option $1500 Deductible option + $1000 Annual Premium $4800 $960 Annual Deductible (Family) $2250 $3000 Total out-of-pocket expenses $12,050 $5960 (included the $1000 HSA)
The Breakdown
Deductible (employee/family) $750/$2250 $1500/$3000 Out of pocket max (employee/family) $2500/$5000 $3000/$6000 (includes deductible Physician visit $25 90% after deductible Specialist visit $35 90% after deductible Routine visit 100% coverage based on UHC preventive guidelines 100% coverage based on UHC preventive guidelines ER visit emergency (co-pay waived if admitted) $75 co-pay then 90% after deductible 90% after deductible ER visit non-emergency $150 copay then 90% after deductible 90% after deductible

Outpatient hospital 90% after deductible 90% after deductible Outpatient diagnostic testing 90% after deductible 90% after deductible Outpatient rehabilitation (physical,
occupational, speech therapy) visits
(visit limits may apply) $35 copay for office visit, 90% after deductible for
other charges 90% after deductible
Prescription copays (up to 30 days
at retail pharmacy with 2 refill limit
for deductible options) generic/formulary/brand $10/$30/$60 After deductible except deductible does not apply for
Preventive Drugs (as determined by ExpressScripts
in accordance with IRS guidelines) $10/$30/$60 Prescription copays (up to 90
days at mail order) generic/formulary/brand $20/$60/$120 After deductible except deductible does not apply for
Preventive Drugs (as determined by ExpressScripts
in accordance with IRS guidelines) $10/$30/$60

Personal Finance Deals
Sold a tablet on Amazon, buyer returned it, Fedex package lost
Added on : Thursday October 31st 2013 05:00:14 AM
g: 0 Posted By: IwantItCheaper
Views: 213 Replies: 7 I sold my $300 surface tablet with keyboard on Amazon. It was a manufacturer re-certified from Microsoft (1 year warranty). I bought two since it was on sale, but only kept one.
After 29 days (last day) after delivery date (not shipping date), the buyer asked for return and claim that it is defective (claiming error on the operating system). The item was working before.
After finding out that return is required on Amazon, I authorized the return.
I asked the buyer to ship it back with a tracking number, which he did. On the fedex tracking site, it says that the item has been delivered, but I never got the item. I called Fedex, and Fedex said that the driver has delivered it and claimed that my door was opened at the item and that my closet door was closed. I said it is possible that my door was open and they insist that since I said my door was opened. I said that doesn't make sense since I wasn't there at the item and I only guessed that it is possible that the door was open. This is a couple days after I called them *The driver could have come back and checked.
I probably won't sell on Amazon ever again (at least try to avoid doing so). I am a student and I am living on a tight budget so $300 is huge for me. Amazon just say that lost packages are part of the cost of doing business, which is true, except that I am not a regular/power seller.
In this case, is taking a loss my only choice? Of course, I want to be fair. I never knew there is such risk selling on Amazon....

Thanks





Discussion Deals
g: 3 Posted By: remick
Views: 417 Replies: 1 http://www.amazon.com/The-Stellar-Tarot-Complete-ebook/dp/B00F6YPCZI

Are you interested in astrology or tarot? This is a new kind of tarot system that joins them both. You don't need birth data any more.The system is the only one of its kind. There are examples in the back. I believe you will love the system.


Also:

The Journey of the Tarot Fool Around the Zodiac [Kindle Edition]
http://www.amazon.com/Journey-Tarot-Around-Zodiac-ebook/dp/B00FNETCXO


How you can learn astrology | How to learn Astrology | Learn About Astrology | The Horoscope [Kindle Edition]
http://www.amazon.com/learn-astrology-Astrology-Horoscope-ebook/dp/B00AJB3XTU


Destined, a novel of the Tarot [Kindle Edition]
http://www.amazon.com/dp/B00408AN4G

Follow Emily's journey to self discovery, community, spirit and love. A contemporary magic-realism romance with engaging multi-cultural characters and lyrical descriptions.

This is the year Emily Ross takes control of her destiny and learns to deliberately shape the future. Emily has always known she is different. She attracts spirits, has prophetic dreams and can sense people's thoughts. Lonely and longing to fit in, she hides her true self. But all this changes when she finally gets the courage to walk away from her safe routine and takes a job at "Paradise," a fabulous curio shop owned by Henry Paradis, the occult scholar who becomes her spiritual mentor. Recognizing her talents as the valuable gifts they are, Henry teaches Emily to accept her magical nature and "look forward." Emily chooses the path to light and happiness, opening her heart and braving the obstacles she must conquer along the way. She finds lifelong friends, falls in love with an incredibly sexy man, learns the power of desire and intention, faces her worst fears and is swept toward awakening.

The mystical images of the Tarot's archetypal trump cards chart the way, 22 sequential steps along the path to success known as The Fools Journey. Illustrated by images from the Payen Tarot of Marseilles (1713), which is the oldest surviving Tarot deck.



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FREE Kindle Book - OPEN was $9.99
Added on : Thursday October 31st 2013 01:00:06 AM
g: 0 Posted By: archena
Views: 58 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

OPEN [Kindle Edition] was $9.99

David Price (Author)

http://www.amazon.com/dp/B00FLYFS98

Publication Date: October 2, 2013

Publisher: Crux Publishing

16 Reviews ★★★★★

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

#1 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Organizations & Institutions

"OPEN is a revelation. With an engaging wit and a clear mind Dave Price casts a penetrating light on how the new dynamics of digital culture are transforming not only how we work and play but how we think, feel and learn. He writes with a sharp sense of social history and theory. But he argues too from deep practical experience as an artist, parent and noted leader in educational change. From every perspective 'Open' will open your mind to some of the real implications of digital technologies for how we live and learn in the 21st century."
Sir Ken Robinson, world-leading expert on education and creativity

"There are lots of books about learning, but there are hardly any that manage to put the coming education revolution in a context that makes sense both emotionally and economically. OPEN is a tour de force that is by turns inspiring, shocking, highly entertaining, but above all practical. David Price combines the rare skill of understanding an institution without being institutionalised - a maverick thinker who can, through force of reason and humour coupled with long experience, make the job of re-booting education a fun one. He's just the kind of revolutionary the new world needs - one whose influence comes from putting the power to change things directly into your hands."
Mark Stevenson, author of An Optimists Tour of the Future

"David has constructed a powerful argument for Open Education initiatives and disciplines, not just within Academia, but also within Enterprise. His insights and observations make this a must read book for decision makers and senior managers in understanding what is possible within their own institutions, and what is essential in supporting vocationally focused education and life long learning."
Alan S. Greenberg, Education Technologies Consultant & ex Apple Education EMEA/Asia

SYNOPSIS
What makes a global corporation give away its prized intellectual property? Why are Ivy League universities allowing anyone to take their courses for free? What drives a farmer in rural Africa to share his secrets with his competitors?

A collection of hactivists, hobbyists, forum-users and maverick leaders are leading a quiet but unstoppable revolution. They are sharing everything they know, and turning knowledge into action in ways that were unimaginable even a decade ago. Driven by technology, and shaped by common values, going open has transformed the way we live. Its not so much a question of if our workplaces, schools and colleges go open, but when.

Packed with illustration and advice, this entertaining read by learning futurist, David Price, argues that open is not only affecting how we are choosing to live, but that its going to be the difference between success and failure in the future.
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Credit Card Reward Networks and Strategies
Added on : Wednesday October 30th 2013 02:00:11 PM
g: 0 Posted By: BenH
Views: 30 Replies: 0 I would like to get a thread going where we can discuss all the big credit card reward networks out there.

What I'm talking about are things like Rewards Network and UPromise - where you can register a card with them and every time you use it you get some sort of additional points/CB in addition to what your CC gives you.

I know many of these rewards programs are operated by an umbrella entity, which doesn't allow you to have a card registered to more than one at at time.

Let's discuss all the various ones that are out there, the combinations that you can sign a card up for, and the optimal card to use (e.g. Sapphire Preferred already gets you 2x points on dining, so registering it to a dining program makes sense).

I'll start off with what I know:

Rewards Network -http://www.rewardsnetwork.com/- Operates:

Programs for all the major airlines (Alaska, United, AA, Delta, Spirit, SW) - For every $ you spend at a participating restaurantsyou get between 3-5 miles/points on that carrier
AMEX IDINE - up to 15% back on dining bills at participating restaurants
UPromise - up to 8% Cb (12% savings) for College at participating restaurants.

You can register for multiple programs, but a specific card can only be registered to one at a time.

...
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g: 0 Posted By: clearanceman
Views: 187 Replies: 0 $319 Good reviews, lots of size for the price, 5% Cash Back Upromse

LINK


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When to sell Bond Index?
Added on : Wednesday October 30th 2013 06:00:10 AM
g: 0 Posted By: Muscle
Views: 56 Replies: 0 I'd like to change my AA soon which will consist of selling $4.5k of Bond Market Index fund. If I sell in January 2014, I will have held the bonds for anywhere from 1-2.5 years. About 2/3 of the bond fund is US gov (if that matters at all).

My question is when is the 'best' time in the near future (the sooner the better) to sell this bond fund? Is there a specific maturation date for bond funds and does it even matter? For instance REITs and certain 'income' funds pay on a specific schedule (monthly, quarterly, etc), so if I'm better off waiting until end of January for instance vs. end of December for a large dividend, that would make more sense.

TIA
Question Deals
Does my proposed IRA Rollover make sense?
Added on : Tuesday October 29th 2013 09:00:08 AM
g: 0 Posted By: CaptainK44
Views: 75 Replies: 1 Hello All. Long-time lurker. First-time poster.

My first job in the Real World provided me with a 401(k). Upon leaving that job in late 2007, I was forced to relocate my 401(k) from my prior employer, as the prior employer (a small law firm) did not wish to deal with the related management fees. I was able to make an "in-kind" transition from a 401(k) to an IRA in whichI kept the same mutual funds held by the IRA (all American Funds) and the same administrator (Northwestern Mutual). I have not made any changes to the holdings of the IRA at any point, aside from reinvestment of dividends.

Yesterday, I learned that I can switch the IRA holdings (all non-proprietary mutual funds issued by American Funds) from Northwestern Mutual to a local bank/administrator, First Citizens Bank. In doing so, I would appear to save approximately $50 or so per year in management fees, given that I can self-manage the IRA (mutual fund only) through First Citizens for only a $10.00 annual fee. I am happy with the funds in the IRA and do not wish to trade them.My question is this -- Am I missing anything here? If I want to keep the same funds and do not require any additional services, should I simply jump ship to the administrator which offers the lowest management fee?Thanks in advance for your thoughts on the issue.

Should the information be relevant, we're talking about $35,000.00 or so in the IRA. I have a current 401(k) through my current employerworth approximatley $65,000.00. I invest for fun through Fidelity Investments and Scottrade, and am markedly more adventerous in making changes tomy Fidelity/Scottrade holdings thanthe holdings in my IRA/current 401(k).

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g: 0 Posted By: ctgolfer
Views: 309 Replies: 3 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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g: 1 Posted By: ctgolfer
Views: 58 Replies: 0 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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Thank You Rewards Redemption Rate Changes after receiving Share Points
Added on : Monday October 28th 2013 07:00:13 AM
g: 0 Posted By: howie888
Views: 76 Replies: 2 Anyone else have this strange issue?

My wife and I own two thank you reward accounts:

TYR Acct #1: The sponsor account is our joint checking
TYR Acct #2: The sponsor account is our joint credit card

Last Friday, we decided to use the "share" feature to combine our points into one account and redeem for a $750 (75,000 points) mortgage payment.
On both TYR Acct's the redemption rate was the same (75,000) points. So we arbitrarily decided to share (60,000) points from our TYR Acct #2 (sponsor join credit card acct) into our TYR Acct #1 (sponsor joint checking).

Today, the redemption rate on the TYR Acct #1 (sponsor joint checking) became devalued. Now it costs 93,900 points to redeem for $750 mortgage payment.
However, on the TYR Acct #2 it still costs 75,000 points.

I was on the phone speaking to the manager and their explanation is that the banking product redemption rates differ compared to credit card redemption rates.
This doesn't make any sense to me. If you earn TYR via checking/product or credit card product & you can transfer points between those TYR accounts arbitrarily, the redemption rates on both should be the same.

If they were not, everyone would transfer points from TYR account sponsored by a banking product to a TYR account sponsored by a credit card to get more value.

Any thoughts?


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g: 0 Posted By: remick
Views: 188 Replies: 0 http://www.amazon.com/People-Cant-Drive-Crazy-ebook/dp/B009G1PI2E/

Strange as it may seem, other people are not nearly as committed to our happiness as we are. In fact, sometimes they seem like they're on a mission to make us miserable! There's always that one person. The one who hijacks your emotions and makes you crazy. The one who seems to thrive on drama. If you could just "fix" that person, everything would be better. But we can't fix other people--we can only make choices about ourselves. In this cut-to-the-chase book, communication expert Mike Bechtle shows readers that they don't have to be victims of other people's craziness. With commonsense wisdom and practical advice that can be implemented immediately, Bechtle gives readers a proven strategy to handle crazy people
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g: 0 Posted By: ctgolfer
Views: 34 Replies: 0 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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g: 0 Posted By: Rob3
Views: 1 Replies: 0 Whirlpool Whispure Tower Air Purifier (HEPA w/ VOC Sensor) $104 AC @SearsSears has the Whirlpool APT40010R Whispure Tower Air Purifier for $113.99 - $10 w/ code10OFF75=$103.99(Reg. $179.99).

Link

With a true HEPA filtration system, the Whirlpool Air Purifier captures 99.97% of particles as small as 0.3 microns. This Whispure tower removes airborne allergens such as dust, pet dander, pollen, tobacco smoke, fabric fibers and mold spores from rooms up to 200 square feet, 4.8 times per hour. The slim tower design takes up less space and is quiet as a whisper. The LCD electronic control features an Auto Mode that automatically sets fan speed to one of three speeds based on air quality.
Whirlpool Tower Air Purifier has a charcoal pre-filter that reduces volatile organic compounds (VOCs), traps odors and pre-cleans the air before it reaches the HEPA filter (one-year supply of prefilters included). The VOC-SENSE detects volatile organic compounds, gases and fumes, indicates when filters need to be changed. Sleep mode automatically turns the purifier off at night. Or use the 18-hour countdown timer to run it whenever is most beneficial for you.

Whirlpool Air Purifier has a true HEPA filtration that captures 99.97% of particles as small as 0.3 microns
Removes airborne allergens such as dust, pet dander, pollen, tobacco smoke, fabric fibers and mold spores from rooms up to 200 square feet, 4.8 times per hour
LCD electronic control features an Auto Mode that automatically sets fan speed to one of three speeds based on air quality.
VOC-SENSE detects volatile organic compounds, gases and fumes.
A charcoal pre-filter reduces VOCs, traps odors and pre-cleans the air before it reaches the HEPA filter. Includes a one-year supply of pre-filters - a $29.99 value
Sleep Mode and up to 18-hour countdown timer
AHAM Certified CADR (Clean Air Delivery Rate)
ENERGY STAR Qualified

g: 1 Posted By: mrwu
Views: 279 Replies: 0 Excellent price for a quality refurb. Sells at other stores (like WalMart) new for $600+. Very well-reviewed television as well: [ Reviews ]

www.tigerdirect.com/applications/SearchTools/item-details.asp?sd...


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Should I put 0 or 1 on my w-4?
Added on : Thursday October 24th 2013 07:00:10 AM
g: 0 Posted By: Muniee
Views: 186 Replies: 2 I'm 26, single, and own nothing. I have 50k in student loan debt, and have never filed my taxes before. I currently make $8/hr + commission, which option makes more sense 0, or 1?
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Questions on export business
Added on : Wednesday October 23rd 2013 08:00:11 PM
g: 0 Posted By: DreamR2I
Views: 66 Replies: 0 Guys,

My close relative has a successful business in Asia. He primarily has dealership of several of international brands for instrumentation and automation products in oil and natural gas area.

He has a major order from a company that is in a free-trade zone , which means there is no import tax (unlike if the company is in non free-trade zone). The normal practice would be for him to import, pay the import duty, and supply to the client. The OEM supplier is in Belgium. He can ask them to ship the products directly to the client. But that will expose his margins to client. hence he don't want to do that.

One option would be that If I open a business here in US (if required, as an affiliate/branch office of my brothers company) and place the order on the Belgian co. and ship directly to the client. With this he will save on the import duty (which is quite significant). He does lot of international trading. So, the money accumulated in the account here can be used to pay future orders. So that is not a big concern.

So, my questions are:

1. Does it make sense to open a business for such purpose?
2. If yes, what are the complications in opening a business here for such transactions?
3. Is it complicated enough that I need to contact a tax attorney? (which I assume it is)
4. If so, what kind of attorney should I look for?
5. Any relevant resources to read to increase my awareness?

TIA
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$88k left in student loan debt - am I on the right path?
Added on : Tuesday October 22nd 2013 03:00:06 AM
g: 0 Posted By: Killy215
Views: 122 Replies: 4 Hi there! I am new to the forums and have been reading over other posters financial woes when it comes to their student loan debt. For the last 2 years, I have been working to get myself out of all of my debt. This is going to be long, but I want to give the whole picture! A little bit of background:

3 years ago, I moved from Jersey to Maryland to take a new job, paying a decent amount over what I was making. To be immediately frugal, I moved to a much cheaper town about 30-40 minutes away from my job with my partner. When we first moved, my partner didnt have a job so I paid the bulk of the expenses, while she paid for a small part. She ended up going to school and getting her CDL, and within a year got a job. So for our first year in the house, I wasnt able to put much extra towards any of my debt. Once my partner got the job, we worked out an agreement where she took on my portion of the rent for a year, and I got to work attacking my credit card debt, which was about $15,000. I began paying it off in January of 2012 and finished in March of 2013. Im really proud of myself for this.

Now I know its time to work on my student loan debt, which is just an enormous, crushing weight on my shoulders. I know I can pay it off much sooner than the payments have me set to do, so thats what Im going to try to do. I got a B.A. degree in Psychology that I dont even use, but it did help get me the job Im in today. When I graduated college in 2007, I had $98,000 in student loan debt, and I went to a public school. I made poor choices, taking out more money than school cost so that I could live/pay rent/groceries, etc. Also, it took me 7 years to finish instead of 4 for about 65% of that time I was working full time and going part time. I wish I understood the consequences of what I was doing more, or that someone was there to guide me a bit more/answer my questions, but unfortunately, that is not the case. I take full responsibility for the loans and taking them out, and it has certainly given me a great lesson in all of this. Bottom line is, I have this debt now and Ive got to get it out of here. My student loans are split between federal and private. Ive been paying on the loans for 5 years, since 2008. The balances Im giving you are what is current. Heres the breakdown:

Private: $55,247.13 at 6.2735% (These are multiple loans that have been consolidated into one). Their minimum payment per month is $406 over 30 years. Federal: Total is $33,293.38, breakdown below. 1. Consolidation Loan: Subsidized = $5,330.42 at 2.875% / Unsubsidized = $12,426.18 at 2.875% 2. Stafford Loans: Subsidized = $3,862.02 at 6.8% / Unsubsidized = $5,143.56 at 2.35% / Unsubsidized = $6,531.20 at 6.8%The federal loans are currently in deferment because Im going to graduate school (employer-paid), but I AM paying the accrued interest. I need to get rid of these loans, and I know I need to work on the private loan first. Here are is my total amount of monthly expenses, which I have in a budget spreadsheet and keep track of throughout every month:

Rent: $425/month (split, per person)
Car payment: $396 + $102 extra for principal (paying $500/mth so that I can have the car paid off in 3 more years, shaving 2 years off of the initial term). Interest is 1.9%.
Car insurance: $530 per year I make 1-3 bulk payments in December/January.
Cell phone: $77
Gas/Heat (home): $86
Gas (car): $240
Life insurance: $20
Water/sewer/trash: $60
Netflix: $7.99
Misc: $150
Private student loan: $455.03 (I put an extra $50 each month towards the principle, Ive been doing this for about 2 years)
Federal loans interest: $260
Savings account: $100
League dues (roller derby): $35

I bring home around $3,170 per month, which leaves me around $873 per month extra. I also put 3% towards my 401k, where my company matches 50% up to 6%. (Next year, my healthcare is going up about $30 per month, so thats a factor as well). I would like to commit to putting an extra $800 on my private student loan each month. My partner and I live a pretty frugal, simple life, so I do believe this is possible, save for any weird expenses that may come up (i.e., our renters insurance or my AAA membership, which I never take into consideration for monthly expenses).

Ive already started looking for a second job, which means I would have to quit playing roller derby (I cant do 2 jobs, plus grad school, plus derby). This disappoints me because its definitely a great outlet and a way for me to keep up my spirits and exercise, but I know a second job would really help chip away at this money. Next, I received a balance transfer offer for my credit cards at 0% for 12 months with a 2% fee. So last week, I took $8,000 from this offer and paid it towards my $55,000 private loan. I can get the $8,000 paid off in a year with payments of $666 per month towards the credit card. Then Ill take another $150 every month and add it to the student loan payments with my $455. After the $8k is paid off, I hope to use another offer of 0% and do it again.

Does this sound like a reasonable plan? We dont have a lot of extras, and the ones we used to have have been cut when I started paying off my credit cards (i.e., cable). I recently looked into leaving my cell phone company, AT&T, as T-Mobile can get me a similar plan for about $20 less per month, however my cancellation fee of $260 does not make it worth it at this time. Maybe there is something Im missing with the cell phone situation that someone can give me information on. Also, Ive went through my house and pretty much sold all of my extra things on eBay and Craigslist. I have 1 or 2 other things that I might be able to get rid of. Otherwise, I take my breakfast and lunch to work every day except on Friday, where I splurge on an $8 lunch each week. This $32 is part of my $150 misc expenses.

Also, if you were me, where would you put any extra money you received (i.e., tax refund)? A part of me wants to put it on my car so I can get that paid off quicker (and thus freeing up $500 per month), but I also know it makes more sense to put it on the higher interest loan. Thoughts?

Ive really changed my outlook on money over the last few years, and Im trying to get to a better place. There are things I want to buy (like a house!) that I know I just cannot because I cant afford it. Id like to have kids, but they are going to have to wait because I cannot afford them at this time. I feel lucky to have landed such a good job and be in a place in my life where Im able to make this plan and actually execute it. Id really appreciate any insight, especially on things that Ive missed or could do better.

Thanks for listening.
New User Question Deals
Should I pay off mom's credit card?
Added on : Monday October 21st 2013 06:00:17 AM
g: 0 Posted By: Marsavings
Views: 78 Replies: 3 My dad died in 2005. I am an only child and live 2 hours away. He had always handled all of the money in the family, so I was concerned about how my mother would deal with it. He left a couple of small life insurance policies (one thru MetLife and one thru his former employer where he retired at age 57 in 1985). She gets a small pension payment (half of the pension he used to receive when he was alive) from his former employer, along with SS. When my dad died I paid for the cremation myself and I also paid the remainder of their car loan off for my mom so she wouldn't have that to worry about. I believe she has spent all of the life insurance monies except a small amount (less than $2000) that is left in one account. She does not want to spend that money - I don't know if it's an emotional attachment to my dad, or if it's the security of having that money available. She claims it's because it earns a higher interest rate (maybe 6%??). After my dad died she opened a checking account (my dad didn't believe in checking accts or cc's - he paid for everything in cash unless he needed a car loan, etc.) as well as a Chase Freedom card that got 5% CashBack on Gas/Groceries/DrugStores at the time. They have since changed that program so the categories are revolving every quarter. I told my mom at that time the the only way she should get this credit card is if she pays it off in full every month. Otherwise the interest charges will eat up any CashBack she might get. She also has a Discover card that she uses (supposedly) just for her medication that she has to buy thru mail order. Over the years she has bought several things that I did not agree with, but when I said anything, she would say "I needed it" or "I've never had xxxx, I deserve it", etc. Examples are new carpeting, new linoleum in the kitchen/bath, new toilet, new stove, new bedroom suite, new couch. Some - like the toilet - were a necessity. But others like the flooring and furniture were just "I want it, I deserve it" situations. For about the past year she has made casual comments to me such as "I want to get that credit card paid down," etc. But I never asked, as I didn't want to butt in. If I made a comment about something she had purchased, she would get defensive and justify it. I figured if she needed help she would ask for it.

This weekend she called and asked for my opinion. She wanted to know what I thought of taking out a loan at the bank to pay off the credit card. She said the bank has 12 months interest-free and she would pay it off in that year. I kept telling her that didn't sound right as I've never heard of a bank that doesn't charge interest...credit card companies - yes. Stores - yes, 12 months interest-free. But never banks for a loan. I asked her how much is her credit card bill, that this "loan" would be for? She said about $5,000 (I was actually afraid it would be more, but still a daunting amount). So this morning I called my local brach of that same bank for clarification. I was told they have a bank CREDIT CARD with a balance transfer deal of 12 months interest free. But not loans. So I don't know if my mom realizes it or not, but she is looking at getting yet ANOTHER credit card to pay off the Chase with a balance transfer, etc.

I think at the very least, she should take the remaining money in that life insurance account and pay down her cc bill to at least reduce it. But she doesn't want to. But it makes no sense to earn some small amount of interest on a small remaining balance of life insurance money, when you have $5K in cc debt that is probably accruing close to 30% interest every month! And maybe then contact Chase and see if they will settle the account for a less amount. I know she would take a hit to her credit for doing that, but she probably doesn't have that high of a credit score to begin with anyway. She told me that her minimum payments to Chase are $150/month right now.

And to top it all off, I asked her if she'd ever cashed in any of her CashBack rebates from the Chase card, and she said no. !!! So for 7-8 years she has never contacted Chase to get any of her CashBack sent to her or credited from her bill. I don't for for sure, but I doubt ALL of the CashBack that she would have accrued during this time would still be available, as I know most of the time the points or CashBack rewards expire after a certain period of time. But I told her to contact Chase using the 1-800 number on the statement, and askabout her CashBack rebates status. She might even have CashBack money available from Discover too. I don't know which Discover card she has.

We are in good financial shape - no kids, no car payments, mortgage paid off, pay our credit cards in full every month. I am wondering if I should let her "live and learn", or should I pay off her credit card in full for her so she doesn't have to worry about it anymore, and have her cancel the account so she can't continue to use it.

I just don't know if I should bail her out or not. She is 77 years old and this time since my dad died has been the first time in her life, I think, that she has had total control of her own money. I helped her out right after he died by paying off the car and the cremation costs, and tried to pound it into her head about paying off the cc's every month. At first I thought she was doing alright because she would take the checkbook to the bank to have the teller help her balance it every month, and she assured me when I would ask that she was paying off the credit cards every month. But then she started getting all this other credit from Lowe's, and the furniture store, as she purchased bigger items, and she knew how I felt about that.

I know it's hard for her living on such a small fixed income. Her mortgage is paid off, but she still has to pay the taxes and all of the monthly bills plus medication costs,and I know she's not rolling in dough. I just don't want her to repeat this all over again if I come to the rescue and pay it off.
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g: 0 Posted By: VivYip
Views: 80 Replies: 0 Home Depot has this item for $29.94 with in-store pickup

Lutron Maestro Occupancy Single Pole Sensing Switch - White (2-Pack)
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
Coordinating Claro Wallplates and Accessories sold separately
MFG Model # : MS-OPS2H-2-WH
MFG Part # : MS-OPS2H-2-WH

Hope this might help someone. Thank you for reading.
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g: 0 Posted By: remick
Views: 135 Replies: 0 http://www.amazon.com/Reluctant-Prophet-Novel-ebook/dp/B006T4Z3H6/

4.8 out of 5 stars with 81 reviews

At age forty-two, Allison Chamberlain is still making a half-hearted attempt to figure out what she wants to be when she grows up. Although she has been a pew-sitting member of a church for seven years, prophet has never been on the short list of possible careers.
Then one Sunday Allison senses a divine nudge to buy a Harley motorcycle and go wherever it takes her. Soon she is wondering if she is called to present the reality of Christ to one of societys darkest cornersand challenge her own church to look beyond their fears.
The first in a brave trilogy from seasoned author Nancy Rue, The Reluctant Prophet shows how one persons response to Gods call can change a community forever.
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OFFER OVER Free - Garish: Roadside Color Polaroids [Kindle Edition]
Added on : Wednesday October 16th 2013 11:00:07 AM
g: 4 Posted By: remick
Views: 566 Replies: 1 http://www.amazon.com/Garish-Roadside-Color-Polaroids-ebook/dp/B0096DIIX8/

Garish: Roadside Color Polaroids is a photography collection unlike any other you've seen. With his choices of an unconventional title and vivid palettes, Robert Jones accompanies readers on a spirited journey through North America's sparsely populated outlands.

His deeply personal album of glowing snapshots documents scores of unknown sign painters, billboard designers, and creators of garden statuary, whose brilliance lends visual poignancy to thousands of miles of yearly travel on lost highways.

In eighty photographs, Jones celebrates such diverse influences on his work as painter Salvador Dali, photographer Walker Evans, and movie director David Lynch."Garish
takes three countries usually thought of as having very distinct identities - the United States, Mexico, and Canada - and smudges their borders," writes John DeFore in his perceptive essay. "[Jones emphasizes] the spirit common to the anonymous, self-taught commercial artists who inspire him not just aesthetically, but in their distance from all that is officially deemed 'art.'

"The color is jarring, and Jones makes no apologies for its boldness, nor does he hide behind a
facade of "artistic correctness." According to DeFore, this analog collection brims over with "the sentiments of a music fanatic who insists that vinyl records have a warmth compact discs can't replicate."

Adds photographer Keith Laban, "Viewing a photograph by Robert Jones can be an intense experience, as though each image is a distillation of the subject; the senses bombarded by intense hue, foreboding shadow, and unsettling perspective."
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Free - Garish: Roadside Color Polaroids [Kindle Edition]
Added on : Tuesday October 15th 2013 07:00:08 AM
g: 1 Posted By: remick
Views: 163 Replies: 0 http://www.amazon.com/Garish-Roadside-Color-Polaroids-ebook/dp/B0096DIIX8/

Garish: Roadside Color Polaroids is a photography collection unlike any other you've seen. With his choices of an unconventional title and vivid palettes, Robert Jones accompanies readers on a spirited journey through North America's sparsely populated outlands.

His deeply personal album of glowing snapshots documents scores of unknown sign painters, billboard designers, and creators of garden statuary, whose brilliance lends visual poignancy to thousands of miles of yearly travel on lost highways.

In eighty photographs, Jones celebrates such diverse influences on his work as painter Salvador Dali, photographer Walker Evans, and movie director David Lynch."Garish
takes three countries usually thought of as having very distinct identities - the United States, Mexico, and Canada - and smudges their borders," writes John DeFore in his perceptive essay. "[Jones emphasizes] the spirit common to the anonymous, self-taught commercial artists who inspire him not just aesthetically, but in their distance from all that is officially deemed 'art.'

"The color is jarring, and Jones makes no apologies for its boldness, nor does he hide behind a
facade of "artistic correctness." According to DeFore, this analog collection brims over with "the sentiments of a music fanatic who insists that vinyl records have a warmth compact discs can't replicate."

Adds photographer Keith Laban, "Viewing a photograph by Robert Jones can be an intense experience, as though each image is a distillation of the subject; the senses bombarded by intense hue, foreboding shadow, and unsettling perspective."
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g: 0 Posted By: remick
Views: 252 Replies: 0 http://www.amazon.com/dp/B00E4MBFAO

This book is about employee enthusiasm: that special, invigorating, purposeful and emotional state thats always present in the most successful organizations. Most people are enthusiastic when theyre hired: hopeful, ready to work hard, eager to contribute. What happens? Management, thats what. The Enthusiastic Employee is an action-oriented book that helps companies obtain more from workers - the basic premise is that under the right kind of leadership, the more one side wins in a collaborative relationship, the more for the other side. The book is heavily evidence-based (using extensive employee survey data) and lays out two basic ideas: the Three-Factor Theory of human motivation at work and the Partnership company culture that is based on the Three-Factor Theory and that, by far, brings out the best in people as they respond with enthusiasm about what they do and the company they do it for. Drawing on research with 13,000,000+ employees in 840+ companies, The Enthusiastic Employee, Second Edition tells you what managers (from first-line supervisor to senior leadership) do wrong. Then it tells you something much more important: what to do instead. David Sirota and Douglas Klein detail exactly how to create an environment where enthusiasm flourishes and businesses excel. Extensively updated with new research, case studies, and techniques (they have added over 8.6 million employees and over 400 companies to their analyses ), it now contains a detailed study of Mayo Clinic, one of the worlds most effective healthcare organizations and a true representation of the principle of partnership, as well as more in-depth descriptions of private sector exemplars of partnership, such as Costco. Other new chapters include: how the Great Recession really impacted workers morale (bottom-line, it didnt) and how to build a true Partnership Culture that starts with senior leadership. They now debunk fashionable theories of worker generations (Baby Boomers, Gen X, Y, etc.) as mostly nonsense clarify what theyve learned about making business ethics and corporate social responsibility actionable share what research on merit pay (pay for individual performance) tells us about its likely impact on school teachers and performance (not good)discuss the utility of teleworking (and the dust-up at Yahoo)offer compelling, data-informed insights about women and minorities in the workplace, and much more. You can have enthusiastic employees, and it does matter more than it ever has. Whether youre a business leader, HR/talent management professional, or strategist, thats the workforce you need and this is the book that will help you get it.
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g: 0 Posted By: remick
Views: 282 Replies: 0 http://www.amazon.com/dp/B00COGYQOO

A brand new collection of up-to-the-minute personal finance guidance from award-winning columnist Liz Weston 4 authoritative books, now in a convenient e-format, at a great price!

All the realistic, trustworthy money advice you need! 4 up-to-date books from Liz Weston, Americas #1 personal finance columnist

Money! Debt. Credit Scores. Investments. Retirement. College. You need answers you can understand, trust, and actually use! Thats where Liz Weston comes in. In this amazing 4 book collection, Americas #1 personal finance columnist helps you create and execute your own action plan for long-term financial security. No hype, no lectures, no nonsense: just realistic, up-to-the minute help delivered in plain English. Start with the latest edition of Westons nationwide best-seller, Your Credit Score, Fourth Edition complete with brand-new information on protecting (or rebuilding) the 3-digit number that rules your financial life. Learn how todays credit scores work exactly how much skipped payments, bankruptcies, and other actions will lower your score how companies can and cant use your score against you. Get Crucial new information on FAKO alternative scores, short sales, foreclosures, FICO 8 mortgage scores, new credit risks from social networking and mobile banking, and how to fight score-related credit limit reductions or higher rates. Next, in Easy Money, learn how to simplify and take control of your financial life, now and forever! Weston takes on the problem everyone has: the sheer hassle of managing money! Youll find practical guidance and easy checklists for investments, credit cards, insurance, mortgages, retirement, college savings, and more! Discover how to consolidate, delegate, and automate your financessave time and moneyand live a more rewarding, secure life. In Deal With Your Debt, Updated & Revised Edition , Weston offers up-to-the-minute help on averting disaster, recovering from serious money setbacks, getting real help, and taking action that works. Weston reveals why its simply impractical to live forever debt free - and why trying to do so can actually make you poorer. Youll find up-to-the-minute strategies for calculating how much debt is safe, and assessing and paying off the right debts first... and if youre too far in debt, Weston will gently and non-judgmentally guide you back into your safety zone. Finally, in There Are No Dumb Questions About Money, Weston offers up-to-date, common sense answers to the financial questions people ask most often. Youll find quick, sensible advice on setting priorities choosing investments saving for college, home-buying, retirement, or other major expenses getting past the pain, arguments, and guilt surrounding money, and doing what works!
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Hisense 50K360G 50" Class 1080p 120Hz LED HDTV - $419.99
Added on : Friday October 11th 2013 09:00:08 AM
g: 0 Posted By: canavja
Views: 97 Replies: 0 Free today only -
http://www.barnesandnoble.com/w/darkness-before-dawn-ace-collins/1001348996?ean=9781426769757&itm=1&usri=9781426769757

Overview
On the same night she discovers she is pregnant, twenty-eight-year-old nurse Meg
Richards husband is killed in an auto accident caused by a drunken teen. James
Thomas, the teen, comes from one of the most influential families in the community.
Hes a star athlete and glamour boy at the local high school. Angered by her senseless loss, Meg blames God for what has happened and considers a decision that could change her life even furtheruntil the D.A. intervenes.
The results of the brutal trial enrage Meg, leading her down a frightening path of retribution. When the opportunity for revenge comes unexpectedly, will Meg follow through? Or will the remnants of her faith lead her in a different direction?

Out of 8 reviews,7 had 5 out of 5 stars, 1 had 4 out of 5.
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insurance for home music lessons
Added on : Tuesday October 08th 2013 05:00:07 PM
g: 0 Posted By: Sashinator00
Views: 152 Replies: 2 My wife has begun teaching music lessons at our house. It's a very small amount of students at the moment but I know it can be considered a business and if a kid cracks his skull the insurance company wouldn't want to pay. Where can I find some high deductible low cost type of business insurance that would make sense in this situation?

Sorry no pics.
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Hisense 40K366W 40" Class 1080p LED Smart HDTV - $329.99
Added on : Tuesday October 08th 2013 09:00:08 AM
Hisense 40K366W 40" Class 1080p LED Smart HDTV - $279.99
Added on : Monday October 07th 2013 09:00:10 AM
g: 2 Posted By: remick
Views: 179 Replies: 0 http://www.amazon.com/There-Questions-About-Money-ebook/dp/B008ZEO5NG

Up-to-Date, Common-Sense Money Answers, from the Internet's #1 Personal Finance Journalist!

Quick, bite-size advice you can understand, trust, and use
Save for retirement, college, or anything else
Pay off debt, the smart way
By award-winning MSN Money/AARP financial columnist and CNBC contributor Liz Weston

You can build financial security--and you don't need to be a rocket scientist to do it. This book brings together all the help you'll need, in common-sense language anyone can understand. It's organized around the questions real people have asked Liz Weston, the Internet's #1 financial columnist. Weston's answers are simple, accurate, and up-to-date and best of all, you can use them.

Here are powerful, sensible ways to get out of debt set financial priorities for a better life and save for everything from college to retirement. Weston offers realistic, up-to-date help with everything from investing to home buying, from improving your credit score to avoiding identity theft. You'll also learn how to master the emotions of money: to get past the pain, arguments, and guilt, and do what works.
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Puma PU102812001 Motor (Women's) $69.99 + Free shipping @ mrwatch
Added on : Sunday October 06th 2013 05:00:06 AM
g: 0 Posted By: tedhawkins
Views: 170 Replies: 0 Puma PU102812001 Motor (Women's) $69.99 + Free shipping @ MrWatch

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Upgrade to style and sophistication with this elegant Timetrex watch. Boasting a stunning 38mm stainless steel case matched with a secure rubber band, this timepiece makes an ideal accessory for any affair. The white 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 water resistance up to 50 meters, date, and measures seconds.
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Hisense 50K360G 50" Class 1080p 120Hz LED HDTV - $369.99
Added on : Saturday October 05th 2013 09:00:17 AM
g: 0 Posted By: sergey007
Views: 79 Replies: 0 At the end of august I have requested to redeem my thank you rewards for a mortgage payment. I got a check from them within ten days or so and sent it to my mortgage company, which is also CitiBank,adding my personal check for the rest of the amount to make it a full payment. I sent it all well in advance and my personal check got cleared in my bank on Sep 12. However I noticed that the payment still has not posted. I called them last week and they are saying that even though my check got cleared, the rewards check still hasn't cleared. It doesn't make sense to me that over 3 weeks is not enough for a Citibank to clear a Citibank check. They claim they don't know how long it will take to get the check cleared and to my question whether they would charge a late penalty if it's not cleared by the due date (which is in less than a week), they don't answer and tell me to call them on the due date about that. Have anyone experienced anything like that with mortgage rewards check?
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Combining points from Fidelity Amex and Visa
Added on : Friday October 04th 2013 12:00:12 PM
g: 0 Posted By: tjguitar85
Views: 97 Replies: 0 See the archived thread here: http://www.fullofdeals.com/forums/finance/1250262/

I wanted to report that I was able to transfer a random number of points (5476 or whatever) from my fidelity amex account to my fidelity visa account, and then I was able to redeem the whole lot into my Fidelity cash acct.

In the past, one was only able to transfer from one account to the other in increments of 2500, but that restriction was apparently removed.

So now it might make more sense to use these two cards as primary cards, if you can deal with FIA's shoddy customer service and are content with the amount of CashBack received from these cards.
FREE Kindle Book - Love Isn't Supposed to Hurt was $14.99
Added on : Thursday October 03rd 2013 04:00:02 AM
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase

Love Isn't Supposed to Hurt [Kindle Edition] was $14.99

Christi Paul (Author), Sanjay Gupta (Foreword, Contributor)

http://www.amazon.com/dp/B007V69AR0

Publication Date: May 18, 2012

Publisher: Tyndale House Publishers

215 Reviews ★★★★.5

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Specific Groups > Women

#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Memoirs

Like millions of other women, CNNs Headline News and truTVs In Session anchor Christi Paul blamed herself for the emotional abuse heaped on her by her first husband, whose violent, profanity-laced tirades left her feeling as though she had no value, no self-worth, and nowhere to turn for help.

Then one day, when Christi was taking refuge in a church parking lot, the verse Trust in the Lord with all your heart and lean not on your own understanding popped into her head. In that moment, she realized she did have someplace to turn after all. Holding fast to her faith, Christi began the arduous process of rebuilding her self-image and regaining control of her life.

Now happily remarried and the mother of three girls, Christi feels called to share her story in the hope that other victims will find courage to seek the help they desperately need and deserve.

Written with great candor and poignancy, Love Isnt Supposed to Hurt chronicles Christis personal experience of dealing with emotional abuse and shows howwith Gods help, some unconventional therapy, and the support of family and friendsshe was able to break the cycle of abuse, regain her sense of self-worth, and discover what true love is really all about.
Government shutdown - Travel Insurance?
Added on : Wednesday October 02nd 2013 05:00:09 PM
g: 0 Posted By: woolooloo
Views: 22 Replies: 0 We're about to head to Hawaii for about 10 days. I would normally never consider travel insurance, but does anyone know the likelihood the government shutdown could affect airline travel, such as completely shuttering the FAA? I know they've already furloughed FAA safety inspectors, if there is an accident linked to this, could they shut down all travel until they put a funding plan in place? Hawaii is a pretty expensive place to get stuck, I'm just wondering if investing in travel insurance might make sense under the circumstances or if the FAA is certain to remain operational. Thoughts?
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Hisense 50K360G 50" Class 1080p 120Hz LED HDTV - $399.99
Added on : Monday September 30th 2013 09:00:07 AM
g: 0 Posted By: tedhawkins
Views: 258 Replies: 0 Timex Men's Ironman T5K585 Orange Resin Quartz Watch with Digital Dial $39.99 FS

http://www.mrwatch.com/timex-t5k585-watch-1681885689.aspx

Upgrade to style and sophistication with this elegant Timex watch. Boasting a stunning 47mm resin case matched with a secure resin band, this timepiece makes an ideal accessory for any affair. The digital 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 water resistance up to 200 meters, date, and measures seconds.
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Individual 401k vs SEP IRA
Added on : Saturday September 28th 2013 07:00:06 AM
g: 0 Posted By: dpakman91
Views: 0 Replies: 0 I am self employed, currently a sole proprietorship, possibly switching to an S-corp at the end of this year. Even if switching to an S-corp, I would remain as the only full time employee. I am 29 years old, currently have a Roth IRA to which I contribute the max every year. I want to add either an I401k or a SEP to start contributing more for retirement. I have done quite a bit of research on the pros and cons of each, and am unsure what the deciding factor should be for me. As I see it:

-I401k would be problematic if I end up hiring unforseen employees in the future as I'd have to provide it for them as well
-I401k has more paperwork involved for starting it, while the SEP can just be created online in a few minutes
-I401k allows the potential for higher contributions, since the SEP is 25% of comp or $51k, whichever is less, while with the i401k I could conceivably contribute the $51k plus up to $17.5k as an employee. Right now, I won't be hitting the limit in either case, so not a huge concern.
-I401k requires filing with the IRS, SEP doesn't.

I also am trying to determine if I want to make the contributions as pre-tax in order to reduce tax liability. I'm not totally sure what to think about this. I would love to lower my tax liability now, but at the same time understand that depending on my tax bracket upon retirement, taking the proceeds tax-free could be beneficial. My understanding is that either I401k or SEP contributions can be done pre-tax to reduce biz profit/total taxable income. Is this correct?

Overall, is there anything I'm missing in figuring out which makes more sense? What is your sense of the direction I should go?
Has anyone bought a 2-family home with someone else?
Added on : Thursday September 26th 2013 06:00:05 PM
g: 0 Posted By: dynorodzilla
Views: 138 Replies: 1 Who then lived in the other half of the property? How would you work that out?

I have tossed it around in my head. It would make sense and be affordable for everyone involved. Significantly cheaper then buying a condo and I would rather live in a house then a condo complex. .

I do know people who may be interested. Question is, how do the logistics of this kind of a thing work?
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Job Offer Negotiation (Offer on Table vs. Interview with another Company)
Added on : Thursday September 26th 2013 09:00:10 AM
g: 0 Posted By: CorradoJr
Views: 192 Replies: 2 I'm looking for some feedback on how to handle the delicate job offer/negotiation phase of finding a job. I've been out of work for 5+ months and I finally landed a reasonably acceptable offer (Company A). They made me an offer and want me to start next week ASAP. There are a few negatives including it is only a 1 year temporary position, it is not directly in my job field, it involves some travelling (not something I've done before) and the salary is barely at my acceptable "threshold" for what I was making previously (approximately 15% lower than my last salary). My wife is not on board for those reasons. I am glad that after searching for nearly 7 months I have finally landed an offer, but it is causing tension right now. In an financial sense, we manage to "get by" with her salary alone plus my unemployment benefits, but do not have much savings at this point. Also my unemployment benefits may shifting from State to Federal benefits after the 26 week mark, which may lower or eliminate them somewhat.

Other facts: I've been offered the job from Company A yesterday. have an interview with "Company B" in 2 business days. My interactions with Company B are being handled by an headhunter, although I first responded to their ad instead of them recruiting me. The interview with Company B has been delayed for almost a month due to the fact the hiring manager had some family issues to deal with, and I have been patiently waiting since late August for the chance to interview. Company B's position is directly related to my job field, it is a full-time permanent position, the salary is approximately 15-20% higher than Company A (even higher than my last position which is great), it is an established employer, and there is room to grow. The initial phone interview with Company B's hiring manager went for 1.5 hours, and I felt a good rapport on the call. So all in all, a much brighter prospect for me.

So here is my predicament - I really would like to work for Company B, but I won't even have the interview, let alone know an answer until 2 days from now. I really feel like I am putting all my eggs in one basket as I don't even know if they will offer me a job. How can I best handle this situation?

Should I contact the headhunter and let her know what is going on? I don't want to hurt my chances with Company B by "rushing" them, but at the same time do not want to let Company A go so soon. Also, my intuition tells my Company A has been having trouble filling this position and they are desperate. Maybe that give me a little more leverage in asking them to wait for 1-2 weeks? Should I tell Company B's hiring manager (or the headhunter) to expedite their decision - or is that bad etiquette?






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Hisense 50K360G 50" Class 1080p 120Hz LED HDTV - $369.99 after coupon
Added on : Wednesday September 25th 2013 09:00:05 AM
Save 30.00 with coupon code LPF101518 at checkout. Normally 399.99 before coupon.Now 369.99 after coupon.Offer ends Sep 27 2013 12:00AM
g: 1 Posted By: remick
Views: 292 Replies: 1 http://www.amazon.com/Our-Tortured-Souls-November-December-ebook/dp/B00CBX00MWJ

Joseph Balkoski is the top living D-Day historian. --USA Today
"Balkoski has fingertip command of his sources, and a sense of the dramatic that never loses touch with the brutal realities of combat." --Dennis Showalter, past president of the Society for Military History and author of Patton and Rommel

Continues Balkoski's acclaimed multivolume history of the U.S. 29th Infantry Division in World War II
Covers the division's vital role in the U.S. Army's November offensive, which Gen. Omar Bradley hoped would get the Allies to the Rhine River by Christmas
A riveting story of heroism and tragedy, during which thousands of 29ers became casualties in a campaign that ultimately failed to end the war
Balkoski blends meticulous research with masterful storytelling
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Michael J Fox Lucky Man Autobiog: $2.99 at AMAZON KINDLE
Added on : Monday September 23rd 2013 05:00:06 PM
g: 0 Posted By: MISTERCHEAP
Views: 224 Replies: 0 Lucky Man: A Memoir $2.99 (regularly $12.99)
http://www.amazon.com/gp/product/B00606WU3S/ref=as_li_ss_tl?ie=U...


Combining his trademark ironic sensibility and keen sense of the absurd, he recounts his life from his childhood in a small town in western Canada to his meteoric rise in film and television which made him a worldwide celebrity. Most importantly however, he writes of the last 10 years, during which with the unswerving support of his wife, family, and friends he has dealt with his illness. He talks about what Parkinsons has given him: the chance to appreciate a wonderful life and career, and the opportunity to help search for a cure and spread public awareness of the disease. He is a very lucky man, indeed.
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g: 1 Posted By: remick
Views: 149 Replies: 0 http://www.amazon.com/dp/B00968FOTO

These 4 extraordinary eBooks offer you an unprecedented toolset for persuading, influencing, inspiring, and motivating everyone around you. In How to Argue: Powerfully, Persuasively, Positively, Oxford's Jonathan Herring teaches you how to calmly and confidently persuade in any environment -- free of fear, confusion, and intimidation. You'll earn practical skills that make some people so articulate and compelling how to handle difficult people and heated situations how to make your point more powerfully than ever before. Next, in The Personal Credibility Factor: How to Get It, Keep It, and Get It Back (If You've Lost It), renowned personal coachSandy Allgeier shows how to systematically build your personal credibility -- the #1 attribute in earning trust and success. Allgeier's hands-on assessment tool will help you bring more authenticity and transparency to your interactions, and her practical guidance on listening will help you earn others' trust even if you ultimately choose to disagree. Allgeier concludes with seven specific steps you can take every day to increase personal credibility, and rebuild credibility you've already lost. Then, in How to Get What You Want...Without Having to Ask, best-selling author Richard Templar offers up 100 clever, simple, pain-free ways to get people to happily say "yes" to you. You'll discover bite-size techniques for getting what you want without saying a word and when you do still have to ask, you'll find the techniques and words that'll get the job done. Finally, in Making Sense of People: Decoding the Mysteries of Personality, renowned psychiatrist and neuroscientist Samuel Barondes shares practical tools for understanding what individuals are really like -- and how they got that way. He offers a complete system for assessing each person's traits, character, and sense of identity, integrating those elements into a unified picture, and using it to be more effective in every area of your life. Learn how to supplement your intuition to choose more satisfying relationships, recognize telltale signs of dysfunction and danger, and savor the complexity and uniqueness of everyone you meet!

From world-renowned experts in personal coaching, human motivation, and psychology Jonathan Herring, Sandy Allgeier, Richard Templar, and Samuel Barondes
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g: 0 Posted By: ctgolfer
Views: 277 Replies: 1 http://1sale.com/electronics/tv-home-theater/gx1200v
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College Planning thoughts
Added on : Saturday September 21st 2013 02:00:09 PM
g: 0 Posted By: VAIndigo
Views: 71 Replies: 0 My daughter is in 5th grade and doing very good with her academics. We live in VA. Also to consider is I have a son aged 4 yrs.

Little late but I plan to start a 529 for her. Considering she is doing good, I want to be prepared for an IVY for undergrad , just in case.
Online tools estimate on average, 4 yr expense at 375k for her for any Ivy school. Being a VA resident my first choice should be VA529 plan. But given this situation, prePaid mayn't make sense. investPlan has a minimum expense at 0.35% with limited investment options. But the good part is I could get 5.75% state tax deduction on 5k per year which amounts to $280 per year. Of course that can be bumped up by opening multiple accounts.
Assuming I contribute 140k (presumed limit according to NY Vanguard plan), my total savings will be $8k

Comparing that to NY Vanguard plan

Expense ratio is 0.17% but I will not get state tax credit. More investment choice compared to VA plan.

Not sure to go with VA plan or NY plan.

Also total expenses being around 375k, how can we reach that contribution in next few years as there are contribution limits.

Am i missing any other innovative options... appreciate any insights.

I hear that grandparents could open an account and fund and could be better for aid evaluations. But in our case her GPs are outside US. Can they open and fund 529 in that case? Is there a considerable advantage for GPs to open an account with my daughter as beneficiary , how does it helps with aid? Better yet, can GPs open me or my wife as beneficiary so that funds wouldn't be traced to my daughters aid evaluation?

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

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

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

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

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

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

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

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

Is leasing better for this to work? I know little about it.
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Hisense 40K360M 40" Class 1080p 60Hz LED HDTV - $259.99 after coupon
Added on : Thursday September 19th 2013 09:00:08 AM
Save 40.00 with coupon code IWJ101134 at checkout. Normally 299.99 before coupon.Now 259.99 after coupon.Offer ends Sep 21 2013 12:00AM
Gardener removed wrong tree--what's my recourse?
Added on : Wednesday September 18th 2013 07:00:15 AM
g: 0 Posted By: mlocker1
Views: 172 Replies: 5 Hi all,

Hoping someone with related experience can assist--

Asked my landscaper to remove some branches on trees too close to our house. While this work was (partially) done, his crew completely removed a dead tree in an entirely different part of my property. At no time, when reviewing the scope of work that needed to be done, was removal of this dead tree ever discussed. The tree was structurally intact, and we did NOT want it removed. It has now left a huge gap in a line of similar trees (the rest are alive), and we're asking him to replace it. Clearly, it makes no sense to replace a dead tree with another dead tree, so a new, living tree is the only option.

What is reasonable to ask the landscaper to do, and at what cost to him/me?

Thanks in advance.
Personal Finance Deals
g: 0 Posted By: ctgolfer
Views: 28 Replies: 0 http://1sale.com/electronics/tv-home-theater/40k366w
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PayPal refund fees?
Added on : Tuesday September 17th 2013 10:00:08 AM
g: 0 Posted By: BenH
Views: 236 Replies: 5 So, I don't think this is really new news - but I am not a very heavy PayPal user and I just experienced this.

I had a retailer refund me $4.95 via PayPal. This retailer should never have sent me the money over PayPal as I did not do business with him over PayPal - I had paid him via a CC. Why in the world he would think he should sent me money over PayPal I have no idea.

Anyway, not only did he send me the money, but he apparently sent it as "Payment" which means that PayPal was charging me a transaction fee of like .50 cents.
I didn't feel that I should have to pay .50 cents to be refunded the $4.95 that was owed me, so I refused/refunded the transaction.
Apparently, doing this cost me .30 cents! So to refuse a payment that I never solicited in the first place I am being charged a fee!

As I said, this is probably a known fee by many - but it simply doesn't make any sense. What is to stop someone from sending me hundreds of 5 cent payments?
Yes, I could accept them - but if they weren't meant for me, or accepting them could cause other issues, I have to refuse them. Each one, according to customer service, would cost me a flat .30 cent fee.

I'm mostly interested in the actual form of abuse from this? Have any heavy paypal users been exposed to anything like this? Is there a minimum send limit that would make this untenable to do?
AFAIK it seems that for every $1.00 (20 transactions of 5 cents each) I can cost someone else $6.00 in fees. Something seems amiss here.

Is this simply just PayPal being total jagholes?

I am contacting the retailer out of band and letting them know that I expect them to refund both my original $$ and the .30 cent fee they cost me by sending a refund over an unapproved payment method. The.30 cents is nothing, but it is the principal that a retailer would have the gall to expect me to burden the transaction cost of a refund.

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Asset protection recommendations besides prenup (SC, LLC, Trust, etc?)
Added on : Tuesday September 17th 2013 06:00:09 AM
g: 0 Posted By: Muscle
Views: 124 Replies: 0 Disclaimer: I'm new to this and don't really know what I'm talking about, so if I misuse terms please explain them to me.

Hi,

I'd like to get some information on asset protection basics. I'm getting to a point where I'm beginning to accumulate a good chunk of money (for me anyway) and have good equity in my condo, so I feel I need to protect my assets. I have car insurance, health insurance, condo insurance (personal/interior through my car insurance company and exterior through the association), and a 1M umbrella policy.

However, I'd like to protect my assets nonetheless, getting them 'out' of my name in a sense. I don't know much about LLCs/SCorps/Trusts, but I'm guessing one or more of these is the way to go. Another option is to offload some of the money to a family member where I still have access to it but it's 'theirs' - but I'm not sure what the tax implications are. Although I'm not yet married, I have enough second-hand experience with the 'validity' of prenups to know they often don't hold up, so I don't want to rely on this route. On top of that I should probably make a will as well.

In my mind at least, the best defense is 'not owning' anything in the first place. If I'm wrong about this, please educate me.

Anyway, I'm just looking for some tips or resources that I should look into so I can start the education process and begin taking necessary steps to protect what I've worked for. Appreciate any advice.

TIA


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g: 0 Posted By: gningcvgs
Views: 176 Replies: 0 http://www.amazon.com/gp/offer-listing/B0098HVZZK/ref=dp_olp_use...

Seems to be a pretty good deal. New for $1874.05. Pretty good reviews too.
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Amazon Coupons
g: 1 Posted By: gningcvgs
Views: 240 Replies: 0 http://www.amazon.com/gp/offer-listing/B0098HVZZK/ref=dp_olp_used?ie=UTF8&condition=used

Pretty good deal with pretty good reviews.
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Amazon Coupons
g: 0 Posted By: zimphella
Views: 418 Replies: 0 Moen Arbor With Motionsense One-Handle High Arc Pulldown Kitchen Faucet @ Amazon$108 lower than the next best available price4.4 out of 5 stars on Amazon, 4.5 out of 5 stars on homedepot.comFree Shipping  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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Hisense Sero 7 Pro 7" Tablet $109.99 + FS @ 1sale.com
Added on : Wednesday September 11th 2013 01:00:05 PM
g: 0 Posted By: gr8lksguy
Views: 366 Replies: 1 Product InfoEnjoy your favorite movies, games, sites and more on the go with this 7 Sero 7 Pro tablet from Hisense. Its Android 4.2 OS makes harnessing its potent hardware a breeze.With up to 10 hours of battery life, its the perfect tablet for any long trip. Take it with you on your next adventure to stay connected, productive, and entertained.

FEATURES

Type: 7" Tablet
Hardware platform: nVIDIA Tegra3
LCD: 1280800 resolution
Touch Panel: 5 point multi-touch
RAM: 1GB
Storage: 8GB
Extendable memory: Micro SD (up to 32G)
Operating System: Android 4.2
Support Language: English, French, Spanish
Google APP: Google Play, YouTube, Chrome, Picasa, Google+, Google Search, Google Map, Play Music, Clock, E-mail, Gmail, Calculator, Calendar, Play Movies& TV, Voice Search, Google Talk, News & weather, Downloads, Gallery, Local, Maps, Messenger, Navigation, People, Settings, Camera, Movie studio
Wi-Fi: 802.11b/g/n
Bluetooth: BT 3.0+EDR
NFC: Support
USB Connector: MicroUSB
HDMI: Mini HDMI
Earphone Connector: 3.5mm
Back Camera: 5.0M
Front Camera: 2.0M
Flash: Support
Battery Capacity: 4000mAh
Charging time: 3 - 4 hours
Working Time: 7 hours 1080p Video Playing, 10 hours web viewing using Wi-Fi with medium light/volume
Dimension: 7.87" length 4.95" width 0.43" depth
Weight: 12.7 ounces


Shipping Info

FREE SHIPPING,as always
Shipping Estimate:1-2 Weeks

Specs

Brand:Hisense
Model:M470BSA
Condition: Factory Refurbished
Warranty: 90 Day
Packaging:Brown Box
Included Items: Sero 7 Pro tablet, Battery, and Charger

https://1sale.com/electronics/computers-tablets/hisense-sero-7-tablet






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Camera Lens Stainless Steel Coffee Mug $8.29 at Amazon, or at Maxwell's attic
Added on : Wednesday September 11th 2013 09:00:05 AM
g: 1 Posted By: Ayla
Views: 281 Replies: 3 http://www.maxwellsattic.com/camera-lens-stainless-steel-coffee-mug.html?


Retail:$49.99
Save: $31.99
NOW: $14.00

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

Or at Amazon for: Price: $8.29

http://www.amazon.com/dp/B0077761MU/




From the professional photographer to your favorite camera enthusiast, this adorable camera lens coffee mug is the perfect gift of anyone! Order up your favorite mocha, hot chocolate, or no-nonsense dark coffee and take it to go just about anywhere!

Product Features:

Looks similar to the Original Canon 24-105mm f/4 L IS Lens.
Mug comes with a cap that acts as a lid for when travelling.
Safe to use for drinking
Comes with a cap as a lid
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WALGREENS 9/15-21 $1.99 Case Water Ad Scan Pending
Added on : Wednesday September 11th 2013 05:00:08 AM
g: 0 Posted By: MISTERCHEAP
Views: 3 Replies: 0 Walgreens 9/15 - 9/21/13Ad images are in post #6 (Thanks aquaries21) and thanks to juliebeans for making a pdf.

RR deals:
DenTek Floss Picks, 2/$4 - $2 RR wyb 2

Glade Air Fresheners, Lasting Impressions or Sense and Spray Kit, Plug Ins Scented Oil refills, 2 pk - $4.99, get $2 RR

Other deals:
Jack's Links jerky - $2.99

Kellogg's Cereal, Rice Krispy Treats, and Pop-Tarts, $1.67

Nice! 24 count pack of Purifiedbottle water, $1.99

Purex laundry detergent - Buy 1, get 1 free

ad scan coming soon

thnx 2knotheads/sd
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g: 1 Posted By: ctgolfer
Views: 233 Replies: 1 http://1sale.com/electronics/computers-tablets/hisense-sero-7-ta...
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1SaleADay Coupons
g: 1 Posted By: Ayla
Views: 119 Replies: 0 http://www.walmart.com/ip/Hisense-Sero-7-Pro-7-Tablet-Quad-Core-...


Price: $149.00
Sale: $129.00


Hisense Sero 7 PRO is a 7", 1280 x 800 High Definition touchscreen powered by NVIDIA's Tegra 3 quad-core processor and runs Android 4.2 (Jelly Bean) Operating System.

Hisense Sero 7 PRO 7" Touchscreen Tablet PC:

Technical Specifications:

1.3GHz NVIDIA Tegra 3 Quad-Core processor
1GB DDR2 of system memory and 8GB on-board storage memory
7.0" touchscreen, 1280 x 800 resolution
Bluetooth technology

Additional Features:

Back 5MP webcam and front 2MP webcam with flash and auto-focus
USB 2.0 port, mini HDMI port
8GB on-board storage memory, additional memory via SD card slot
Up to 10 hours of run time on a full charge

Software and Applications:

Android 4.2 OS (Jelly Bean)
Built-in NFC (Near Field Communications)
Media Formats: Popular media formats

What's in the Box:

Tablet, battery and AC adapter
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Negotiating appliances upgrade with landlord
Added on : Tuesday September 03rd 2013 01:00:10 PM
g: 0 Posted By: SegaRob
Views: 71 Replies: 5 I recently moved into a new apartment in NYC and noticed the electric bill is much higher. This month came out to $180. After doing some research, I think of lot of this electricity is coming from the old appliances. (The apartment is similar size. I don't think my usage behavior has changed much. This charge per KWH didn't go up significantly from my old place.) The appliances look like they are from the 1980s and apparently modern appliances are much more energy efficient. Optimistically, I'm hoping for about $80 reduction in monthly energy cost or about $1000 over the upcoming year. More conservative estimate is probably $200 to $500. For about $1000, I could buy brand new energy star compliant fridge and dishwasher. So obviously, it's in the landlord's interest to get new appliances for the apartment but they have the common landlord mentality of not spending any money that isn't absolutely necessary. At the same time, it doesn't make sense for me to waste all this money on the electric bill. I think a reasonable offer would be to go 50/50 on the appliances and then landlord can keep new appliances for next tenant. With the energy savings, I might be able to break even or at a loss of a few hundred dollars but have the benefit of new appliances for the next year that I'm there. Does that sound like a reasonable offer? Too generous? When we moved in, we already asked the landlord for a few things and they were really grumpy about it (cleaning the apartment, changing the old dirty blinds, fixing a door that wouldn't close) so I doubt they would accept a greater burden of the cost. TIA
Personal Finance Deals
g: 0 Posted By: elfrozo
Views: 21 Replies: 0 Hi All,

I've posted a question on here before and got ripped to shreds but learned a lot so I'm going to do it again. I have worked at a few different universities over the last few years and have some ideas on how to get through quicker and cheaper that most students do not know of.

I am considering writing a book or e-book to compile all the different ideas I have. It would be titled something like "The Savvy Student's Guide to Completing College Faster and Cheaper". The book would have several different ideas like:

- Using AP and community colleges to get the first 60 credits (two years) cheaply
- Buying and selling books online and how to spend less than $50 each semester on books
- How to split up classes to get the maximum credits each semester without compromising grades
- How to build and utilize relationships with professors
-Various scholarship and financial aid tips and tricks. Other little know sources of money for students
- Cheap housing and obtaining jobs with campus housing to live for free
- How to take the maximum advantage of university resources
- How to keep food and transportation costs to a minimum
- Jobs that allow one to study while working and how to get them
- Identifying the best major for the job market. Which majors to get student loans for and which majors to either stay away from or make sure not to get loans for.

I have several other ideas that may be common sense to folks on here but may not be for the average student.

My questions are:

1. Do you think a book like this would be useful? I haven't really seen anything like this out there put together in one spot.
2. Is there anyway to make a little money off this without charging students too much to buy the book?
3. Would any company be interested in publishing something like this or is it better just to do an e-book?

Basically, I'm trying to figure out whether something like this might be worth spending my time on putting together or whether it's not really interesting or useful material.

Thank you in advance for any and all suggestions.










Personal Finance Deals
g: 2 Posted By: MISTERCHEAP
Views: 167 Replies: 0 Product DescriptionCraftsman DC Garage Door Opener: Dependable Like Nothing ElseBacked by Diehard power, thisGarage Door Opener DC Beltsystem delivers smooth opens, secure closes and powerful illumination even when the rest of the house is pitch black. Solid, dependable and loaded with cutting edge technological features, this opener senses movement in the garage and turns the light on for you. In addition to lighting your path, it displays the time and temperature along with displaying info in multiple languages.The built-in PosiLock System delivers a level of tightly sealed garage security that youll wish the rest of the house had, and if youre short of keys, no problem. With a wireless, keyless entry pad system, just punch in your four digit pin code and gain access to your garage in seconds. Powerful, convenient and backed-up to weather power outtages, theCraftsman DC Garage Door Openerdelivers every time you pull into the drive way. Go ahead, strap this machine to your garage ceiling and get dependable operation thats built Craftsman tough.

Includes power unit, two remotes, control console, wireless keyless entry pad, battery back-up unit, safety sensors, rail, hardware, operators manual
The CraftsmanGarage Door Opener DC Beltwith 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

http://www.sears.com/craftsman-dc-belt-drive-garage-door-opener-with/p-00953918000P?prdNo=1&blockNo=1&blockType=G1&blockNo=1&blockType=G1


This product comes with:

Owner's Manual (English)

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

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

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

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

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

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

For anyone who thinks I'm a deadbeat, consider that anyone with student loans prior to 2009 got a variable rate, which in current terms is around 2%. When I got to school they just changed the rules to lock in at a fixed rate of 6.8% and 7.8%. And it took until 2012 for the President to realize that was insane and impossible to pay back and change the rules, but only for people who got loans in 2012 and later. So essentially, by being a student between that 2009 and 2011 period, I got significantly screwed (by not qualifying for the low variable rates of 2008 and earlier, and not qualifying for the more leniant IBR rates of 2012 and later). The only fix is to go back to school somehow, hopefully part-time and online, just anyway to qualify for at least $1 of a new federal student loan.
Personal Finance Deals
New Arrivals: Versace - Black and Gold »Signature Icon» Loafer
Added on : Friday August 23rd 2013 09:00:05 AM
A smart pair of loafers is a must-have in a year-round wardrobe. Encapsulating a sense of chic with an effortless appeal these loafers will get you through a busy day and are a lovely alternative to high heels. Made in Italy.
The Jumblies: free android app at Amazon
Added on : Thursday August 22nd 2013 04:00:09 AM
g: 0 Posted By: mapatsfan
Views: 170 Replies: 0 http://www.amazon.com/gp/product/B00AZZV0PO/ref=mas_faad

Full of fantastical nonsense, interactive prompts, and unique illustrations, this humorous animated storybook app is the perfect gift for children! Join the Jumblies on their ocean voyage! Touch, tap and drag many of the characters and items throughout the story, bringing them to life!
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Woot Deals! Save 60% for Kate Spade Sunglasses $63.99 3 Hours Left
Added on : Tuesday August 20th 2013 06:00:06 PM
g: 0 Posted By: spowerfeed
Views: 457 Replies: 2 Wit and playful sophistication are hallmarks of everything "kate spade. A strong sense of personal style and a passion for color set the tone for each collection. kate spade continues to find inspiration in the everyday and the unpredictably elegant, bringing a graceful, exuberant approach to style and living.

100% UV protection coating
Lenses are prescription ready

Frame Material: Metal
Lens Material: Plastic
Lens Width: 58 mm
Bridge: 13 mm
Arm Length: 130 mm
Linky
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g: 0 Posted By: spowerfeed
Views: 322 Replies: 1 Wit and playful sophistication are hallmarks of everything "kate spade. A strong sense of personal style and a passion for color set the tone for each collection. kate spade continues to find inspiration in the everyday and the unpredictably elegant, bringing a graceful, exuberant approach to style and living.

100% UV protection coating
Lenses are prescription ready

Frame Material: Metal
Lens Material: Plastic
Lens Width: 58 mm
Bridge: 13 mm
Arm Length: 130 mm
Linky
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woot! Coupons
Contest speeding ticket or not
Added on : Tuesday August 20th 2013 01:00:06 PM
g: 0 Posted By: samjd
Views: 1 Replies: 0 Hello,

I got speeding ticket along I-25 in Thorntob, a northern suburb of Denver, few days ago. Just half an hour ago, I had received the news of a friend passing away and was in a sense was rushing to their home (73 in 55 zone). I typically drive within 5-10 miles of posted limit and thought it was a 65 MPH zone, while so many things were going through my mind. I received a 4 point violation that will lowered to 2 if I plead guilty, by paying $145. The officer refused to let go with a warning. If I appear in the court and mention my state of mind, is there a possibility the judge might dismiss the case? Anybody has any experience on such matters? Or should I just pay the fine and accept the 2 points, and not waste my time?

Thanks
Amazon FREE eBooks for Kindle (repost, edited link)
Added on : Tuesday August 20th 2013 09:00:15 AM
g: 0 Posted By: jaarons
Views: 62 Replies: 0 I found this on another Deal site, apologies for the formatting:


Free For Now Kindle Books - Posted on 8-20 with most expiration dates and genreOne, Two ... He is coming for you (Rebekka Franck #1) by Willow Rose
Ends 8/23
Genre Mysteries

http://www.amazon.com/One-coming-...B004WPP8YW

30 reviews, 4 of 5 stars

Publication Date: April 14, 2011
INTERNATIONAL BESTSELLER!

NEW EDITED VERSION.
Another serious page-turner from Scandinavian Mystery Fiction.
Once you start One, Two ... He is coming for you - there is absolutely no turning back.

Book Description:
Set in the Danish coastal town of Karrebaeksminde, journalist Rebekka Franck returns to her hometown with her six year old daughter. She is trying to escape her ex-husband and starting a new life for her and her daughter, when the small sleepy town experiences a murder. One of the kingdoms wealthiest men is brutally murdered in his summer residence in Karrebaeksminde. While Rebekka Franck and her punk photographer Sune try to cover the story for the local newspaper another murder happens on a high society rich man. Now Rebekka Franck realizes that the drowsy little kingdom of Denmark has gotten its first serial killer and soon a series of dark secrets - long buried but not forgotten - will see the day of light.
One, Two ... He is coming for you is the first book in Willow Rose's mystery-series about the reporter Rebekka Franck and her photographer Sune. The second book is called Three, Four ... Better lock your door.
This ebook also includes an excerpt from Willow Rose's newly released shortstory Rock-A-Bye Baby.











The Teacher's Billionaire (The Sherbrookes of Newport Book 1) by Christina Tetreault
Ends 8/20
Genre Romance

http://www.amazon.com/Teachers-Bi...B007M8VCCS

409 reviews, 4 of 5 stars

Publication Date: March 18, 2012
Callie Taylor's life is turned upside down when she learns the truth about her birth following the death of her mother. Not only is her father alive, but he's none other than presidential candidate Senator Warren Sherbrooke.

Billionaire and confirmed bachelor, Dylan Talbot, is devoted to his family. When his stepfather Warren Sherbrooke receives a letter from a past love telling him they have a daughter together, Dylan is instantly suspicious. In order to keep the media vultures away and protect Warren's political aspirations, Dylan convinces Warren to let him handle the situation.

As Callie and Dylan spend time together, they can't resist the feelings that blossom between them. However, when Callie learns the real reason he has been spending time with her their fledgling romance is put in jeopardy and only complete honesty can save it.

This is a Contemporary Romance.

AN EDITED VERSION OF THIS BOOK WAS UPLOADED. HOWEVER, IT IS POSSIBLE THAT SOME READERS PURCHASED THE BOOK PRIOR TO THAT EVENT.


Some of the authors favorite lines:

I'm not sure. Maybe that is how you Englishman say hello to your friends. I've never been to England, Callie teased as she moved her hands to his shoulders. I might need more convincing, she said her voice all business.

There's no place I'd rather stay especially if it means more of your apple cinnamon pancakes for breakfast. Preferably served to me in bed by you completely naked, but I'm flexible.

Sounds like a challenge to me. One I look forward to undertaking.









Chasing the Lost (The Green Beret Series) by Bob Mayer
Ends 8/24
Genre Thrillers

http://www.amazon.com/Chasing-Gre...B00CFADU3

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.











Eternity Base by Bob Mayer and Steven Cooper
Ends ???
Genre Thrillers

http://www.amazon.com/Eternity-Ba...29&sr=1-41

19 reviews, 4.5 of 5 stars

Publication Date: January 21, 2012
From the NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

Maverick federal employee Sammy Pintella, obsessed with uncovering the fate of her MIA father, makes a startling discovery while rifling through some inactive government files. A dozen, faded black and white photos seem to point to the existence of a secret US Military base built in the frozen wastelands of Antarctica during the height of the Cold War.

Aided by Special Forces veteran Dave Riley, she heads for Antarctica. But they arent alone. Spies, North Koreans and other shadowy forces are also en route, because deep inside Eternity Base is something people will go to extreme lengths to get: a cache of nuclear warheads.


A federal employee intent upon discovering the truth about her missing in action father stumbles upon a closely-held secret about an Antarctic military base - a base illegally constructed and which has been kept a secret by a serious of murders. When she and her reporter sister fly to the base for an in-depth probe, murder begins to stalk them in this tense novel. Unlike most military stories this will appeal to general audiences as a fine thriller. Highly recommended, indeed. -- Midwest Book Review

The Green Beret Series:
Eyes of the Hammer
Dragon Sim-13
Synbat
Cut Out
Eternity Base
Z

And Introducing Horace Chase in:
Chasing the Ghost
Chasing the Lost









Chasing the Lost: The Green Beret Series, Book 3 by Bob Mayer and Jeffrey Kafer
Ends ???
Genre Thrillers

http://www.amazon.com/Chasing-Los...29&sr=1-44

37 reviews, 4.5 of 5 stars

Publication Date: April 18, 2013
NY Times Bestselling Author, former Green Beret and West Point Graduate, Bob Mayer.

"A pulsing technothriller. A nailbiter in the best tradition of adventure fiction." Publishers Weekly ref Bob Mayer

Horace Chase arrives on Hilton Head Island to pay his last respects at the Intracoastal Waterway where his late mothers ashes were spread and to inspect the home his mother left him in her will. Hes been recently forced into retirement, his divorce is officially final, and now hes standing in the middle of the front yard of his new house where a tree has crashed right through the center of it.

What could possibly go wrong?

Within six hours of arriving on Hilton Head, Chase is exchanging gunfire with men whove kidnapped a young boy and tried to grab the boys mother, Sarah Briggs. Soon hes waist deep in an extortion plot to funnel a hundred million dollars of Superbowl on-line gambling money into an offshore bank account or else the boy dies.

Dave Riley has long retired from the military and living peacefully on sleepy Dafuskie Island off the coast of South Carolina. Sort of. Actually hes bored, feeling old, and just a bit cranky running his deceased uncles small-time bookie operation.

Horace Chase, meet Dave Riley. Riley-Chase.

Chase and Riley assemble a team of misfits and eccentrics as they take on the powerful Russian mob in the lawless tidal lands of the Low Country to get the boy back.

Meet Erin: Chases long-ago summer fling, now a veterinarian and not interested in men any more, at least that way. But her suturing skills and her knowledge of the island bring assets the team needs. Especially after Chases first visit with the Russian requires a bit of the former.

Meet Gator: an ex-Ranger, iron-pumping, fire-breathing hulk of a redneck, with a soft spot in his heart for Erin, and steroids burning in his muscles to hurt people. As long as Riley and Chase point him in the right direction, the rest of the populace should be all right.

Meet Kono: a Gullah, descendant of the free slaves who fled to the barrier islands in the 19th century and developed their own culture. He nurses his own pain and secrets, but heeds Chases call to renew their childhood friendship. Especially when he learns the target is the Russians.

It adds up to a fiery confrontation to rescue the young boy, and settle some old scores.

But Riley and Chase need to remember a basic tenet from their days in covert operations: Nothing is ever as it appears.









The Highlander's Hope by Cali MacKay
Ends ???
Genre Contemporary & Historical Romance

http://www.amazon.com/The-Highlan...00A3M

270 reviews, 4 of 5 stars

Publication Date: November 7, 2012
When Dr. Catriona Ross discovers clues to a long lost highland treasure, her only hope of finding the jewels is to obtain the help of Scotland's most eligible bachelor and playboy, Iain MacCraigh.

Iain can't believe his luck when he finds out the jewels are hidden away somewhere on his land-- and it doesn't hurt that the historian looking for them has curves to go with her smarts. With his brother betting the family fortune, this is the life line he desperately needs.

The odds are against them, and with word getting out about the jewels, they're not the only ones on the hunt. Time's running out, but can they learn to trust each other, or will they lose the jewels and true love in the process?

* This is Book One in the series. *









Amelia's Story by D.G Torrens
Ends 8/21
Genre Bios & Memoirs

http://www.amazon.com/Amelias-sto...B0063PR97

165 reviews, 4 of 5 stars

Publication Date: November 4, 2011
A life of pain and rejection.
This is a powerful true story of one young girls struggle to survive the state care system in the 70's and 80's. Amelia has just one wish, to make it to adulthood, to hold her destiny in her own hands. This is a harrowing true story, one of survival and human strength. Amelia has been separated from all her siblings never to see them again for many years, she is moved from one children's home to another, until finally it's just too much for her to bear. Amelia starts to wonder about the peace and finality of her own death.








Evan Burl and the Falling by Justin Blaney
Ends ???
Genre Fantasy

http://www.amazon.com/Evan-Burl-F...B0090WXO16

87 reviews, 4.5 of 5 stars

Publication Date: May 20, 2013
Discover #1 bestselling novel, Evan Burl and the Falling
My father abandoned me when I was an infant.
My friends have turned against me.
My uncle beats me.
The most powerful men in the world want me dead.
They all have one thing in common.
They think I'm turning into a monster.

I'm starting to worry they're right.

An excerpt from Evan Burl and the Falling
I found myself in a kingdom of stars and clouds. Endless. Deadly. And blue as blood.

Stretching without blemish from one side of the world to the other, the sky was perfect but for one single black speck.

If anyone was watching, they might have wondered whether I was merely napping on a pillow of thin air.

But it was nothing so pleasant.

This was a falling.

For what felt like hours, the whole world seemed frozen below me. Except for the wind, everything was silent. It seemed as if I could stay up there forever. It was beautiful really, whenever I managed for a few moments together to ignore the fact that I was hurtling toward the ground at about 214 miles-per-hour.

I didn't really even feel sick to my stomach.

Until the last thirty seconds.

First, the rolling mountains and hills, which always seemed so solid and unshakable, lumbered toward me like hulking bullies begging for a fight.

Then houses and barns. They popped out of the ground, like grasping hands from a fresh grave. Pulling me down. Into the earth, where I belong.

Ten seconds later, what seemed like a bit of lint stuck to my eyelash transformed into a living human. Then more. Dozens, hundreds of people. Working, eating, anything but looking up to see me plummeting through the sky like a shooting star.

Another ten seconds--far too soon--and the whole world was rushing up at a speed that turned my stomach to acid.

It was the last hundred feet that really tested what I was made of.

Gasping one last lung full of air, I realized in that moment that I was far less brave and far more foolish than I could possibly have imagined.

And right before the end, I closed my eyes.

Because no one can watch a falling.

Praise for Evan Burl and the Falling
"Amazing!" -- Melissa Williard

"The best fantasy book I've ever read" -- Mitsy Princell

"I want more! It just isn't right that's over. Evan Burl is every bit as good as the top YA fiction out there right now, in my opinion, better. The characters are brilliant, each story line is captivating, the content is complex and unpredictable, and I am intrigued to read more." -- Bethany Canfield

"I'll never view a clear, blue sky the same! This book took ahold of my imagination and guided me through the forgotten hallways and secret rooms I've always dreamed of finding. A fantastic story about the burden of knowing one's destiny, and desperately trying to avoid it." -- Eric Nienaber

"Wickedly complex villains so entertaining and terrifying they'll get under your skin and never let go. Evan Burl's world will fascinate you, creep you out and leave you begging for more." -- Mary Weber

"This eerie world and amazing cast of characters grabbed my heart from the first page and never let go. I can honestly say I would do anything to get an advance copy of Evan Burl's next chapter." -- Natalie Medina

"I'm hooked. So many threads of greatness, I can't wait to see how the series ends." -- Annie Biondi

"Justin Blaney creates a wonderful world of intrigue, mischief, and magic that comes alive through vivid storytelling. This is a struggle of good and evil at its finest ... it will have your mind on edge as you race to the end." -- Kari Skinner

"I read Evan Burl and the Falling when I was supposed to be working on my homework. That should speak for itself, it was a fantastic distraction from reality." -- Jessie Crowthe









The Soulmate Experience: A Practical Guide to Creating Extraordinary Relationships by Mali Apple & Joe Dunn
Ends 8/21
Genre Religious & Inspirational

http://www.amazon.com/Soulmate-Ex...004Y5OJUY/

119 reviews, 4.5 of 5 stars

Publication Date: April 26, 2011
2012 International Book Awards Gold Medal Winner in the "Relationships" category
2012 Living Now Awards Silver Medal Winner in the "Relationships/Marriage" category

Create the Love of Your Life--Keep the Life in Your Love

Single, in a relationship, or married: people of all walks of life and all ages are finding this new book on enlightened relationships inspiring, accessible, and truly transformational. This revolutionary guide will help you create and sustain a relationship that is intimately connected on all levels--emotional, intellectual, sexual, and spiritual--and a continual source of love, inspiration, and joy.

In Part 1, chapters like "Loving Your Body," "Reducing Your Baggage," and "Raising Your Soulmate Potential" will help you release anything that might be preventing you from experiencing a deeply connected relationship. As you read, you will quickly begin to feel more loving and compassionate toward yourself, more connected to those around you, and more confident about and creating your own soulmate experience.

In Part 2, chapters such as "Creating a Context," "Turning Expectations into Invitations," "Transforming the Energy of Jealousy," "Exploring the Edges," and "Connecting on a Soul Level" will give you everything you need to approach even the most challenging aspects of relationships in ways that will actually deepen your experience of love and intimacy. You will discover the secrets to keeping the love, passion, and connection in your relationship fully alive--every single day. And you will learn how to lovingly guide each other to release limiting beliefs, heal the past, rise above perceived limitations, and unlock the potential in every area of your lives.

Whether you're on a quest for your soulmate, looking for deeper connection in the relationship you have right now, or just want to experience much more love in your life, the ground-breaking ideas in this book--and the many stories of real people putting them into practice--will fill you with love, inspiration, and possibility. Because The Soulmate Experience isn't just a book. It's a great way of living life.

About the Authors
Mali Apple and Joe Dunn host the very popular community "The Soulmate Experience" on Facebook. They have dedicated their relationship to discovering how to create magical relationships and keep the magic in any relationship alive. Their greatest joy is inspiring others to bring more of the soulmate experience into all their relationships.







The Pursuit of Happiness: 21 Spiritual Rules to Success by Jennifer O'Neill
Ends 8/21
Genre Advice & How-To

http://www.amazon.com/The-Pursuit...007RG

91 reviews, 4 of 5 stars

Publication Date: April 3, 2012
What do most people desire in life? It is not money, it is not even love, it is happiness!

Praise for The Pursuit of Happiness: 21 Spiritual Rules To Success:
One of the best inspirational books I have read in a long time. -- Aulani
These tools help shift your thinking, commit to your dreams and show you anything is possible -- Linda H.
If I find myself in a slump or needing motivation, it's a great resource to get me back on track. It really gave me a sense of peace and clarity -- Annette
The author uses personal example as a means of getting her message across, as well as provides exercises at the end of Spiritual Rules to assist the reader in better accomplishing their personal goals. Her key insights, into different situations, really hit home for me. -- Lamanda A. Nance
The Book:
Learn how unnecessary negativity in your life can be avoided.
Discover how to shift negative thinking into positive thinking.
A positive attitude will change your life, keeping a positive attitude
can be easier then you think when following these simple rules.
Everyone is searching for happiness. This book is a mini-course outlining 21
spiritual rules to finding success when you are in "The Pursuit of
Happiness." The book was designed with a specific purpose, as a guide to
help you tap into your natural ability to be happy. Everyone has the
ability to find happiness in his or her life, yet sometimes you need a
road map. "The Pursuit of Happiness" is your spiritual road map.
Buy a copy and learn to enjoy the journey!









Goddess Legacy: Goddess Series Book 1 (Young Adult / New Adult Series) by M.W. Muse
Ends ???
Genre Romance

http://www.amazon.com/Goddess-Leg...B00B9DN2Z

88 reviews, 4 of 5 stars

Publication Date: January 31, 2013
**An updated file was loaded April 23, 2013, to fix grammatical and conversion issues with the initial book file**

Legacy Kore is an average seventeen year old with your basic insane crush on the hottest guy in school... rather Adin Shepard was the hottest guy in school before he graduated a couple of weeks ago. Now it's summer vacation and she's not sure when she'll get to see him again. Until he shows up at her surprise seventeenth birthday party. Cue saliva glands--it's time to drool.

But her giddiness is cut short when her guardian delivers an emotional blow, telling Legacy her mother hadn't died when she was baby, but that she'd left for Legacy's protection all those years ago. After the initial shock, she expects some story about how her mother was in the Witness Protection Program or something else just as crazy, but when she's told that her mother is a Greek Goddess and that Legacy is changing into one too, she thinks her guardian needs a trip to a mental hospital. Legacy a goddess? Um, yeah. Right. And her BFF is the Easter Bunny.

While trying to make sense out of something that was impossible to believe, Adin asks Legacy out on a date. She is thrilled that her fantasy might become a reality, but when she meets the new guy in town, River, she discovers everything isn't always as it seems, and the legacy she wants just might not be the legacy she is destined to have.

Order of Goddess Series:
Goddess Legacy
Goddess Secret
Goddess Sacrifice
Goddess Revenge
Goddess Bared
Goddess Bound (Releases Early June 2013)
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Capital Gains Deferment with Long/Short strategy?
Added on : Tuesday August 20th 2013 02:00:04 AM
g: 0 Posted By: xxjt
Views: 0 Replies: 0 Hi guys,

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

Is it possible to do the following:

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

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

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

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

Thanks
g: 4 Posted By: archena
Views: 1487 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
Books & Magazines Deals
g: 2 Posted By: archena
Views: 2818 Replies: 1 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
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IBR/PSLF, Roth or Traditional with Conversion
Added on : Sunday August 18th 2013 07:00:11 AM
g: 0 Posted By: Shaudius
Views: 46 Replies: 0 I'm 30 years old with just south of 100k in federal loan debt. Also have about 40k in private student loan debt, about a third of which is at 8%, the rest is between 4.75 and 5%. I converted about 14k of private debt to 4.99% life of loan penfed credit card debt(which even at APY is still 3% lower than the 8%.) I have a government job making about 75k a year. I'm 3 years into IBR/PSLF. I don't want to have a discussion about whether or not PSLF/IBR will still be around in 7 years, I'm pretty much committed to that at this point to my own wheel or woe.I have about 20k in my retirement right now(I know I am way behind.)Since every dollar I put into a tax deferred account saves me 15% in student loan payments I've developed the following plan, which seems to beat the interest rates of all my debt. Contribute the max to the TSP(fed 401k), max to a traditional IRA, and max to a HSA. I'm not in a HDHP this year so the latter won't be done til next year. The plan is to then do this for the next 6 years and then in the 10th year convert the traditional IRA to a Roth IRA and pay the taxes then, still having saved the 15% for the 6 years. Since the majority of my contribution is in the 25% bracket now, and will be taxes as same likely in 6 years(I don't forsee being higher than 25% in 6 years, although maybe the tax rate will be higher by then?)I realize that there is phase out for the traditional IRA and I may hit in the next 6 years depending on income growth, even contributing the max to my TSP and HSA, so that only some of these years there will be a choice between traditional IRA deduction and Roth IRA(obviously if I reach the phase out or completely not being able to the calculation would change.)1) Do people think making traditional IRA contributions and then converting them to Roth later is the right move? Should I skip this step and contribute directly to the Roth IRA now. Obviously it won't help with the IBR but the earnings won't get hit with income tax either in 6 years or in the future either. 2) I do also have the option of placing some or all of my contributions to the TSP in a Roth version. Should I switch some of the traditional to Roth in the TSP. Obviously since I'm behind right now(even with a pension that may or may not exist, and social security that may or may not exist.) Is tax treatment diversification worth the hit I'd take to my IBR payment?3) I can take a loan out against my TSP of up to 10k in order to pay off my private student loans, but obviously that money wouldn't garner earnings. It is paid back at a rate of 2.25% or so right which goes back into my account(can be paid back over 5 years.)4) Municipal bonds aren't taxed on the federal level as I understand it. I do have state income tax in my state, Maryland, do they make more sense because of the IBR than other investments outside of my retirement account because of this or am I better off with other investment vehicles. As far as other questions wrt marriage(I am single) and homeownership, I am currently undecided on both. Right now all my income goes to rent(about $750 a month) and student loans(about $1500 a month, so should be paid off in a little under 3 years if I don't do the above with the TSP loan, less if I do but then I'd have the TSP loan.)I realize this post has a lot of different topics, but I'd appreciate any insight anyone has.
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g: 1 Posted By: tedhawkins
Views: 238 Replies: 0 Fossil Men's Ansel FS4639 Brown Leather Analog Quartz Watch with Black Dial $69.99 + Free shippinghttp://www.mrwatch.com/fossil-fs4639-watch-1681879243.aspxUpgrade to style and sophistication with this elegant Fossil watch. Boasting a stunning 41mm stainless steel case matched with a secure leather 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 chronograph, measures seconds, water resistant to 50 meters, and date function.
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Mr. Watch Coupons
g: 0 Posted By: archena
Views: 30 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Share: 27 Ways to Boost Your Social Media Experience, Build Trust and Attract Followers [Kindle Edition] was $9.95Robert Anspach (Author)
http://www.amazon.com/dp/B00EEQL1R2Publication Date: May 31, 2013Publisher: Anspach Media10 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Computers & Technology > Web Marketing#2 in Kindle Store > Kindle eBooks > Business & Investing > Small Business & Entrepreneurship > Entrepreneurship#3 in Kindle Store > Kindle eBooks > Business & Investing > Careers > Job HuntingFinally a simple, easy to follow guide that shows you real life examples on how to improve your online communication to win over fans, friends and followers.
If you're about ready to call it quits, are totally frustrated with, and ready to throw your hands up in defeat over social media then this book is for you!
In this game changing book by Rob Anspach you'll discover...
Twenty seven common sense ways that will make posting to social media so much easier and profitable.
Simple tactics that will build trust with your fans and make cheerleaders out of your followers.
Real world examples that show how easy social media can be with the right formula in place.
Books & Magazines Deals
Receiving unintended wireless Bills
Added on : Friday August 16th 2013 09:00:07 AM
g: 0 Posted By: wishforme
Views: 75 Replies: 1 Hello Folks,Seems like I am getting trapped into some kind of fraud/scam. I have been receiving unintended wireless bills either on my correct full name/correct first name since last couple of months from three wireless carrier- Verizon, AT&T and Sprint. These were newly opened accounts.On receiving these bills first time, I have alerted these carrier that these seems to be some kind of fraud. They confirmed these new accounts were not opened with my SSN and they really have person having same name in their system. On top of that they said they will correct the address and it is some error and they will correct it. Two month pass, I kept receiving new bill from Verizon(others have disappeared). In between I tried to returned those bills to post office but some senseless returned those again to my address. Now today, I received letter from some collection agency saying I owe around $2000 to Verizon wireless...blah blah blah... This letter does not contain my real full name but it was addressed to my residence. I am quite sure that it is not on my SSN either. So can someone suggest what will be correct way to stay clear from this issue?
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g: 0 Posted By: thillbert2006
Views: 102 Replies: 0 90 Money-Saving Websites: Cash In From the Comforts of Home [Kindle Edition]Free Friday 8/16 thru Sunday 8/18http://www.amazon.com/90-Money-Saving-Websites-Comforts-ebook/dp...There are millions of websites on the Internet, some very popular sites that we use regularly. But what a lot of people dont realize, there are many under the radar sites that have a strong loyal following due to their ability to solve peoples financial woes. Problem is they dont get the publicity the popular sites do.The founders and owners of these up and coming money-saving sites are putting their heart and soul into providing the best value they can for their visitors. Theyre using techniques that make sense in todays world, allowing you to very easily buy-in and save money through practical methods. They go over the top with exceptional value to reel in prospective customers and make a name for themselves.
Which helps you in the end.90 Money Saving Websites
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401k setup
Added on : Thursday August 15th 2013 06:00:14 AM
g: 0 Posted By: megaejames
Views: 45 Replies: 1 Hi all:I am new to FWF, well new in the sense that I havent posted much. So, i just graduated b school and am in hte process of setting up my 401k funds. I have done a little research (nowhere near an expert) and have elected the following as my fund allocation.I put 75% of my contributions into an index fund (spartan)
15% into large cap stocks
10% into small capsWhat do you guys think? the index fund has an expense ratio of 4 dollars per 100 invested. Also, i am conributing near the maximum (receiving match on first 4k and 50% on second 4k invested). Any thoughts?
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g: 0 Posted By: archena
Views: 828 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris Kyle [Kindle Edition] was $9.99P.S. James (Author) http://www.amazon.com/dp/B00EGPIL60Publication Date: August 10, 20131 Review ★★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & SpiesThe Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris KyleChris Kyles story and that of any human being who dies senselessly before the age of 40 is a tragic one. Chris Kyle was a young man with a history of bravery and service to his country. The story of Chris Kyle's life and the life of his killer collided, bringing to light war and its effects on young men and women. When considered, Chris Kyles life brings up many of the hot button issues on the minds of Americans today. One only need turn on the television Sunday morning to hear the debate of gun violence, mental illness and the systems which fail to help those in need.Chris Kyle was a mythical figure to many who followed Chris Kyle's story. Chris Kyle was counted on as a protector to many including the wife and two children Chris Kyle left behind. Chris Kyle was a devoted family man, mentor and a lethal sniper in service to his country.Chris Kyles life and death peel back as an onion beginning with his birth and proceeding to Chris Kyle's harrowing war experiences culminating in his death.
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Suggestions for Malibu Media lawsuit
Added on : Wednesday August 14th 2013 04:00:13 AM
g: 0 Posted By: naive007
Views: 0 Replies: 0 I am unsure if this is the right place for this topic, but I sense lots of Fatwallet members have a large information base overall.I am one of the many who sometimes finds videos/songs/books over torrent P2P websites and downloads it for personal usage but of the few who got a lawsuit case registered against me in IL from Malibu Media for copyright infringement.The case is still in the IP discovery phase.Since I am completely naive to these situations, I will highly appreciate any suggestions/thoughts/ways to get around this.
g: 0 Posted By: ctgolfer
Views: 113 Replies: 0 www.sears.com/shc/s/p_10153_12605_07175295000P
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g: 0 Posted By: archena
Views: 29 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris Kyle [Kindle Edition] was $9.99P.S. James (Author) http://www.amazon.com/dp/B00EGPIL60Publication Date: August 10, 20131 Review ★★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & SpiesThe Life of an American Sniper Chris Kyle : The Extraordinary life of Most Lethal American Sniper Chris KyleChris Kyles story and that of any human being who dies senselessly before the age of 40 is a tragic one. Chris Kyle was a young man with a history of bravery and service to his country. The story of Chris Kyle's life and the life of his killer collided, bringing to light war and its effects on young men and women. When considered, Chris Kyles life brings up many of the hot button issues on the minds of Americans today. One only need turn on the television Sunday morning to hear the debate of gun violence, mental illness and the systems which fail to help those in need.Chris Kyle was a mythical figure to many who followed Chris Kyle's story. Chris Kyle was counted on as a protector to many including the wife and two children Chris Kyle left behind. Chris Kyle was a devoted family man, mentor and a lethal sniper in service to his country.Chris Kyles life and death peel back as an onion beginning with his birth and proceeding to Chris Kyle's harrowing war experiences culminating in his death.
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.The Diverse Schools Dilemma: A Parent's Guide to Socioeconomically Mixed Public Schools [Kindle Edition] was $9.99Michael Petrilli (Author)
http://www.amazon.com/dp/B009F32Z2EPublication Date: September 21, 2012Publisher: Thomas B. Fordham Institute12 Reviews - ★★★★#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > Education Theory > Education Policy & Reform#2 in Kindle Store > Kindle eBooks > Education & Reference > Schools & Teaching > PolicyMany of today's parents yearn to live in or near the lively, culturally vibrant heart of the city--in diverse, walkable neighborhoods full of music and theater, accessible to museums and stores, awash in ethnic eateries, and radiating a true sense of community. This is a major shift from recent generations that saw middle class families trading urban centers for suburbs with lawns, malls, parks, and good schools. But good schools still matter. And standing in the way of many parents' urban aspirations is the question: Will the public schools in the city provide a strong education for my kids? To be sure, lots of parents favor sending their sons and daughters to diverse schools with children from a variety of racial and socioeconomic backgrounds. But can such schools successfully meet the educational needs of all those different kids? How do middle class children fare in these environments? Is there enough challenge and stimulation in schools that also struggle to help poor immigrant children reach basic standards? Is there too much focus on test scores? And why is it so hard to find diverse public schools with a progressive, child-centered approach to education? These quandaries and more are addressed in this groundbreaking book by Michael J. Petrilli, one of America's most trusted education experts and a father who himself is struggling with the Diverse Schools Dilemma.About the Author
Mike Petrilli is one of the nation's foremost education analysts. As executive vice president of the Thomas B. Fordham Institute, he oversees the organization's research projects and publications and contributes to the Flypaper blog and weekly Education Gadfly newsletter. He is also a research fellow at Stanford University's Hoover Institution and Executive Editor of Education Next, where he writes a regular column on technology and media, as well as feature-length articles. Petrilli has published opinion pieces in the New York Times, Washington Post, and wall street journal and appears regularly on NBC Nightly News, ABC World News Tonight, CNN, and Fox. He's been a guest on several National Public Radio programs, including All Things Considered, Talk of the Nation, and the Diane Rehm Show. He is author, with Frederick M. Hess, of No Child Left Behind: A Primer. Previously Petrilli was an official in the U.S. Department of Education's Office of Innovation and Improvement and a vice president at K12.com. He started his career as a teacher at the Joy Outdoor Education Center in Clarksville, Ohio, and holds a Bachelor's degree in Honors Political Science from the University of Michigan. He lives with his wife Meghan and sons Nico and Leandro in Bethesda, Maryland.
Hisense Sero 7 7" Tablet Dual Core Processor with 4GB Memory $79
Added on : Saturday August 10th 2013 01:00:01 PM
g: 0 Posted By: ZombieHunter
Views: 116 Replies: 1 Better specs than the Samsung Galaxy Tab 2 and Tab 3! This is a Google Certified Tablet... Try finding these specs for this price point. Nearly disposable!$79 + tax @ WalMart
http://www.walmart.com/ip/Hisense-Sero-7-7-Tablet-Dual-Core-Proc...The Sero 7 LT is a feature-packed introductory tablet that is the foundation for the Sero 7 family. It is a perfect gift, PC companion or introduction of technology to a young child. Hisense Sero 7 LT with WiFi 7" Touchscreen Tablet PC:Technical Specifications:
1.6GHz Dual-Core processor
1GB DDR2 of system memory and 4GB on-board storage memory
7.0" touchscreen, 1024 x 600 resolution
Built-in 802.11b/g/n WiFi
Additional Features:
Micro USB 2.0 port, mini HDMI port
4GB on-board storage memory, additional memory via SD card slot
Software and Applications:
Android 4.1 OS (Jelly Bean)
Pandora Internet Music, Facebook apps
Google Play (for applications)
Media Formats: Popular media formatsWhat's in the Box:
Tablet, battery and AC adapter
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g: 0 Posted By: Butcherboy
Views: 1 Replies: 0 http://1saleaday.com/With more power, 4G speed and mind-expanding capabilities, the HTC Thunderbolt for Verizon is the first phone to truly deliver on the promise of wireless technology. The HTC ThunderBolt is nothing short of remarkable in design. This Android touchscreen phone houses a whopping 1 GHz Qualcomm Snapdragon processor for the smoothest mobile multi-tasking experience ever. On the large 4.3 WVGA TFT capacitive touchscreen of this HTC smartphone, you can view clear, highly detailed visuals. The 8-megapixel rear camera (with auto-focus and dual LED flash) of the HTC ThunderBolt lets you capture detailed stills and video in HD 720p, while the 1.3-megapixel front camera lets you video-conference with your contacts. Being a WiMax mobile, this Android touchscreen phone allows you to access the Internet from up to five devices. The HTC Sense graphical user interface of this HTC smartphone makes available social network integration across a multitude of apps, specialized HTC widgets, and various other customizations. And with the Android 2.2 OS, you'll be able to experience the full Internet thanks to its support for Adobe Flash 10.1-enabling you to play games, watch videos, and more!Condition: RecertifiedPackaging: BoxWarranty: 90 DaysBrand: HTCModel: Thunderbolt 4G Product Features: 4G Network LTE 700 MHz Class 13 (Verizon) 3G Network CDMA2000 1xEV-DO 2G Network CDMA 800 / 1900 Qualcomm MSM8655 Snapdragon 1Ghz Processor 4.3" Super LCD display with capacitive multi-touch capabilities Android 2.2 + HTC Sense UI 8MP with autofocus, LED Flash (2x LED) 1.3MP front facing camera 4GB internal memory storage (Micro-SD expandable up to 32GB) WLAN Wi-Fi 802.11 b/g/n, DLNA, Wi-Fi hotspot Bluetooth: 2.1 with EDR (3.0 when available) Integrated GPS with AGPS Battery capacity of 1400mAh HTML Web browser (WebKit-based) with support for Adobe Flash Player 10.1 Full messaging capabilities including SMS text, MMS picture/video and IM instant messaging Micro USB 2.0 port with mass storage capabilities Compass sensor, G-Sensor, Proximity sensor and Ambient Light sensor Device Dimensions: 4.8 (H) x 2.6 (W) x 0.52 (D) What You Get: HTC Thunderbolt 4G for Verizon Wireless Charger
Owners title insurance when lenders is paid - Penfed 5/5
Added on : Thursday August 08th 2013 06:00:07 PM
g: 0 Posted By: gruntwork
Views: 149 Replies: 0 I am purchasing a house for 700K and financing with Penfed 5/5. Penfed will pay for lender's title insurance, irrespective of whether I buy owners title insurance. Generally, when the borrower pays for lender's title insurance it makes sense to buy owners title insurace as the cost of buying them together is not much different from buying just the lenders. As Penfed is paying for lenders, its a $2,800.00 question for me.
I read some great discussions on FWF regarding owners title insurance here and other threads. Here are some arguments to start of the discussion from what I understand about title insurance1) Lender will be purchasing title insurnace, therefore a title search will be done and title company will ensure a marketable title. 2) Title insurance is primarily based on public records, issues coming of unrecorded liens are not covered. So again, lender title insurance will ensure a proper search of public records is done.3) Lender title insurance protects the lender, owners title insurance protects the owner. In case of a complete claim, like fradulent signature, the insurance company will buy the note from the lender and I would still owe the borrowed amount. However how likely is a full value claim? Isn't it more likely to have a partial claim, like unrecorded mechanic lien. In case of partial claim, will lender's title insurace protect me indirectly?4) Lender's coverage reduces as the principal is paid off, while owners title insurance coverage never reduces. This is not much of a concern as I believe most of the title issues will come to fore during the inital period of ownership.5) Per Geo, a good title is better than title insurance. So how do I ensure I have a good title. I've hired a attorney for this purchase, what will be his role in title search?6) The house was built in 1990, sold in 2002, then again in 2006 and now I am purchasing it. There has been no apparent remodeling since the last owner purchased the house.FWF please help me decide whether I should plunk down 2800 on the purchase of 700k house. This is in NJ.
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Owners title when lenders is paid - Penfed 5/5
Added on : Thursday August 08th 2013 05:00:16 PM
g: 0 Posted By: gruntwork
Views: 0 Replies: 0 I am purchasing a house for 700K house and financing with Penfed 5/5. Penfed will pay for lender's title insurance, irrespective of whether I buy owners title insurance. Generally, when the borrowers is paying for lender's title insurance it makes sense to buy owners title insurace as the cost of buying them together is not much different from buying just the lenders. As Penfed is paying for lenders, its a $2,800.00 question for me.
So I read some great discussions on FWF regarding owners title insurance here and other threads. Here is jist of what I understand.1) Lender will be purchasing title insurnace, a title search will be done and title company will ensure a marketable title. 2) Title insurance is primarily based on public records, issues coming of unrecorded liens are not covered. So again, lender title insurance will ensure a proper search of public records.3) Lender title insurance protects the lender, owners title insurance protects the owner. In case of a complete claim, like fradulent signature, the insurance company will buy the note from the lender and I would still owe the borrowed amount. However how likely is a full value claim? Isn't it more likely to have a partial claim, like unrecorded mechanic lien. In case of partial claim, will lender's title insurace protect me indirectly?4) Lender's coverage reduces as the principal is paid off, while owners title insurance coverage never reduces. This is not much of a concern as I believe most of the title issues will come to fore during the inital period of ownership.5) Per Geo, a good title is better than title insurance. So how do I ensure I have a good title. I've hired a attorney for this purchase, what will be his role in title search?6) The house was built in 1990, sold in 2002, then again in 2006 and now I am purchasing it. There has been no apparent remodeling done since the last owner purchased the house.FWF please help me decide whether I should plunk down 2800 on the purchase of 700k house. This is in NJ.
g: 0 Posted By: erohrer
Views: 252 Replies: 1 If your in the market for a tablet here's a great deal!Hisense Sero 7 Pro 7" Tablet Quad Core Processor with 8GB Memory @ Walmart - $129.00
Free Store Pick up  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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g: 0 Posted By: timingsright
Views: 236 Replies: 0 Was browsing the ntxtools.com site for my usual tools search and I came upon this nifty little item. I am buying one right away for my teenage driver!
I would say it is an excellent tool to keep an eye on your kids when they drive without being a hawk or too intrusive on their privacy. However, we owe it to them to make sure they drive safely and use common sense. This nifty tool plugs into the OBDII port on your car (don't worry, for those not familiar with the port its easy to find online and just plug it in...I have included a picture to help you out) and whenever you want you use the included USB cable to attach it to your computer and download the information stored on it. It stores speed information, trouble codes, and other important data for the car.
Get it HEREFrom the site:
The INFOLOGGER Data Recorder records vehicle Diagnostic Trouble Codes (DTCs) and live data (PIDs) for OBD-II and EOBD vehicles. Simply plug InfoLogger into the vehicle's OBD II / EOBD plug and record the data for each trip driven. Visit the InfoLogger website to download the InfoLogger PC software using the included USB cable, then effortlessly upload the recordings to your PC. Easy to use software allows you to review the vehicle DTCs and PIDs, print reports and view data graphs. Compact size allows tool to be left plugged in at all times for ease of use.
Features:

Compatible with ALL 1996 and newer cars and light trucks (OBD II, CAN & EOBD)
Review and print vehicle diagnostic reports
Record Up to 24 hrs of data or up to 32 starts (Storage may differ according to the use of vehicles)
Speed Warning feature
Graph 4 data (PIDs) at one time
Multilingual software: English, Spanish, French, Italian and German
Plug-and-play tool with compact design
Automatic recording of data without human interference
User-friendly interfaces and clear display of data
Remote diagnosis through connection with InfoLogger website
This tool does not clear codesIf you spend more than $100 you can save $5 by entering "N05" into the box at checkout. Spend more than $250 for free shipping across the board. I posted another deal for ntxtools.com, for gearwrench combination ratcheting wrenches that were a BOGO. Pair these 2 items together and save some cash.
Tools & Automotive Deals
g: 0 Posted By: Virgil27
Views: 82 Replies: 0 Iron Man, Captain America, Wolverine & Spider-Man Family Car Decals @ ThinkGeek - $4.99
compare at $25.35
Shipping adds $6.04.Sure, other families may car pool with soccer stars and prom kings, how many have repulsor rays? Or admantium claws? Or a Spider-Sense? Or a Vibranium Shield?You can with this awesome ThinkGeek which features 50 decals for $4.99 + $6.04 Shipping and Cash Back. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)
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ssa benefits when working spouse makes 90k and agi is 60k
Added on : Tuesday August 06th 2013 10:00:14 AM
g: 0 Posted By: mikies08
Views: 136 Replies: 1 confused by all the rules. i am 68 and thinking about retiring. my spouse who is 60 is still working and makes about 90k our agi is 70k. I have self employment around 20k a year. does it make sense to retire collect about 2k a month and not have to worry about paying back any ssa due to income limits. any advice will be appreciated. ty
Personal Finance Deals
g: 7 Posted By: archena
Views: 1222 Replies: 2 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★
#11 in Kindle Store > Kindle eBooks > Business & Investing
Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
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Walmart brushed steel desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 11:00:08 AM
g: 0 Posted By: mrpresidentusa
Views: 654 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
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15+ Free kindle Books
Added on : Monday August 05th 2013 10:00:07 AM
g: 2 Posted By: remick
Views: 168 Replies: 0 Free at time of postingMexican Cooking Dude Cookbook -- Authentic Mexican Recipes from Mexico and the American Southwest [Kindle Edition]
http://www.amazon.com/gp/product/B0096U4808/That's the Way the Cornbread Crumbles!! (Easy Cheap Comfort Eats) [Kindle Edition]
http://www.amazon.com/gp/product/B00CFPNFAK/Meet The Meatloaf: Easy and Delicious Meatloaf Recipes [Kindle Edition
http://www.amazon.com/gp/product/B00A6EGKO0/Farm Girl Country Cooking: Hearty Meals for the Active Family [Kindle Edition]
http://www.amazon.com/gp/product/B00D18H3TEBasically Barbeque, The Fundamentals of Making Great BBQ [Kindle Edition]
http://www.amazon.com/gp/product/B00CDVYZ4GCircle of Friends Cookbook - 25 Barbecue Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00C0JGXE6Easy Tasty Oriental Recipes by Katharine Koe [Kindle Edition]
http://www.amazon.com/gp/product/B00B1KFGYS101 Best Crock Pot Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B00AYJBL8C30 Delicious Poke Cake Recipes [Kindle Edition]
http://www.amazon.com/gp/product/B009IRS5XUExtreme Money: Masters of the Universe and the Cult of Risk [Kindle Edition]
http://www.amazon.com/gp/product/B0056J0OIITouring Southern Civil War Battlefields [Kindle Edition]
http://www.amazon.com/Touring-Southern-Civil-Battlefields-ebook/...Get Out of Dodge! Prepping to Leave Your Home and Bug Out During a Disaster (The NEW Survival Prepper Guides) [Kindle Edition]
http://www.amazon.com/Prepping-Disaster-Survival-Prepper-ebook/d...How To Get Rid Of Acne Scars! - The #1 Best Guide To Quickly & Easily Get Rid Of Acne Scars! [Kindle Edition]
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http://www.amazon.com/Making-Sense-People-Personality-ebook/dp/B...Foods Heal [Kindle Edition]
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http://www.amazon.com/gp/product/B005MT7WXWAutism By Hand [Kindle Edition
http://www.amazon.com/dp/B005H7UE5CGod's Provision in Tough Times - 25 True Stories of God s Provision During Unemployment and Financial Despair (Daily Devotional) [Kindle Edition]
http://www.amazon.com/dp/B00DQHJ12CHow to Sell Crafts Online: The Little Handbook of Craft Selling for Beginners (Selling Crafts) [Kindle Edition]
http://www.amazon.com/How-Sell-Crafts-Online-ebook/dp/B00D3KB6OISame Name Places Game (TM) [Kindle Edition] Vol 1
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FREE Kindle Book - From The Trash Man To The Cash Man was $9.99
Added on : Monday August 05th 2013 06:00:11 AM
g: 2 Posted By: archena
Views: 254 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.From The Trash Man To The Cash Man [Kindle Edition] was $9.99Myron Golden (Author) http://www.amazon.com/dp/B00E5RWNXQPublication Date: July 25, 2013Publisher: Skillionaire Enterprises Inc. 11 Reviews - ★★★★★Myron Golden wrote From The Trash Man To The Cash Man as a means to help other people who wanted and book about wealth building made easy. The physical copy of the book has already sold over 139,000 copies world-wide. Myron Golden wanted to show others how to use the basic principles of personal finance to get rich or what ever level of wealth creation the reader desires. This is a practical book about personal finance. It is a simple guide to financial literacy. The subtitle of the book says it all. How anyone can get rich starting from anywhere. If you want to get out of debt, this book can help you. If you want to learn how to become a millionaire or how to become a multimillionaire, this book can help you. The financial principles are both powerful and simple. If you apply these wealth principles they will work for you. If you want some practical answers to the questions, how do I start and run a successful business or how to I teach my children about money, or what is the best way to plan for retirement? This book is for you.
Look at what others are saying about From The Trash Man To The Cash Man:
Allyson says:
This book was a real eye-opener, and it changed my financial condition for the better. Thanks, Myron!Gregg Scott says:
The Trash Man to the Cash Man is a great book. It outlines principles that my wife and I have been applying to our lives and getting results. It has inspired us to pursue the success we desire.
Gregg and Lenika ScottJames Davis Jr. says:
With all the gloom and doom talked about our economy, From The Trash Man To The Cash Man is the perfect book to help change your mind set about money. You will learn amazing principals that are not taught in school to give you the upper hand to empower and improve your family financial well-being.KimAlyse Popkave says:
From The Trash Man To The Cash Man is a phenomenal book. Whats so great about it is it just makes sense.
I teach these principles to my clients & my students, and I have given copies of this book as gifts.
KimAlyse PopkaveProsperity Professor says:
Myron, your book, The Trash Man to the Cash Mn, was the first book I read on self-improvment and professional development. I have read close to two-hundred more books since then on similar topics, and I firmly believe that you offer the best value for someone starting at ground zero. The Trash Man to the Cash Man is a must read.Marvin Nixon says:
Because of this book my wife and I have a new out look on our future. We have learned so many principles that has helped us. We believe so much in this book and have recommended many copies to friends and family.
Marvin and Syreeta NixonMyla Everett says:
When I attended Six Figure Business School I read your book. At that time I was not sure what led me to the program, but since then my life has changed tremendously. The class filled a need in my preparation for where I am today. The book made so much sense then, and now that I can live it, I fully understand the principles. I also brought the book home to my son who now has a good foundation for his financial success.
Myla EverettChiara says:
FANTASTIC book Myron! Thank you for sharing your amazing story, experinece & knowledge with the world. You make a difference!
Rich blessings,Maria Husbands says:
From The Trash Man To The Cash Man has encouraged me a great deal. I now have the drive to go ahead and take the steps I need toward a better life.Misty Ward says:
I actually read The Trash Man to the Cash Man in 1 day & I am not the type of person who enjoyed reading but this book was such an easy read & it had so many nuggets that I couldnt put it down! Myron doesnt hold anything back, he gives you all the information you need.If you are serious about learning to create wealth for yourself and your family, don't wait another minute! Get this book now and read it before you go to bed tonight. You will find that it is one of the best personal finance books you have ever read.
Totally Free Deals
Walmart Desk lamp with plug outlet and caddy $15
Added on : Monday August 05th 2013 06:00:06 AM
g: 0 Posted By: mrpresidentusa
Views: 238 Replies: 0 Ever stay at a hotel and appreciate the electrical plug outlet that is on the base of a desk lamp? It is convenient to plug in your phone right there instead of reaching under the desk for the outlet. Then ever try to find a similar feature lamp online or at a store? They are either way overpriced, ugly, not practical, or not even at the stores.
Could not find any such lamp that was even close to a hot deal price. I liked this WalMart lamp so much we now have four of them! Great for college students ! Even the regular price is a hot deal for me because there is nothing even close.  Not a hot deal in the sense of lower price, but it is in stock at WalMart store when usually you have to buy online ( out of stock online now )wait for delivery.
Brushed steel finish, electric plug outlet and storage caddy makes this a very helpful desk lamp. In stock at Woodland Hills WalMart on Fallbrook. About 10 on the shelf. Also available in colors, but they are plastic. I liked the brush steel.Sorry, had trouble creating a link so here is the site: http://www.walmart.com/ip/Mainstays-LAMP3GR-COM-Mainstays-Goosen...
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Tuition and Fee Expense
Added on : Sunday August 04th 2013 06:00:08 PM
g: 0 Posted By: rksaigal
Views: 150 Replies: 1 I am going in for a part-time MBA. I wanted to see if I could deduct the cost of tuition on my tax return. What I found was that I don't meet the requirements since our Modified Adjusted Gross Income (MAGI) crosses the income limit. Same goes for Lifetime Learning and American Hope. We are double income family. The MAGI is greater than that required by IRS to deduct the tuition fee as a line item on tax return form. Although I have been offered Federal Loan. But due to interest rate I have not accepted it. Also for the fact that it is does not help me on my tax form (because of MAGI). The approach I am thinking about is to take a dip in my 401k - No penalty and 4.5% interest (which I pay to myself). At the same time I will increase my 401k contribution which will also help me on my taxes.

Would like your comment if it makes sense or I am missing anything.
Personal Finance Deals
Injured back the night before travel, could not fly
Added on : Saturday August 03rd 2013 05:00:06 PM
g: 0 Posted By: GTPaPi
Views: 1 Replies: 0 Hi all, I am looking for advice on how best to recoup my costs for plane tickets I was unable to use because I injured my back and doctor recommended not to fly. My wife, son and I were to leave yesterday AM and fly back on Monday. I didn't check in for my Friday flight or cancel, because I thought the pain mess would help enough for me to fly. Instead the knocked me out and I dint get to call. The carrier is JetBlue and at this point it doesn't make sense for us to go still, so I would like some if not all of my money back in some form, airline credit is fine. I didn't buy trip insurance and booked non refundable. Any advice would be appreciated.
g: 0 Posted By: archena
Views: 0 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Emotional Genius: Exceptional Emotional Intelligence In Reach for Everyone with the Language of Emotions [Kindle Edition] was $9.97Scot Conway (Author) http://www.amazon.com/dp/B00832FUZCPublication Date: May 1, 201220 Reviews - ★★★★★#1 in Kindle Store > Kindle eBooks > Health, Fitness & Dieting > Mental Health > EmotionsGenius-level Emotional Intelligence is now in reach for YOU. By reading this book, you will have more insight into emotion than 98% of people! Whether you seek Emotional Genius for business, leadership, relational or personal reasons, this gets you there NOW.You're asking, He seems like hes angry all the time; what does that mean?Or maybe, Why do I feel so hopeless?Perhaps, Do I have to live with this guilt my whole life?Possibly, I know what I should do, but Im afraid. How do I deal with that?Maybe your questions are about managers, team members, or clients. Maybe your questions are about friends, family or yourself!The big question behind them all: What do I DO?Fear, anger, hopelessness, guilt, doubt, overwhelm, and more. You want to know what to do about it. Maybe youve wondered, What does it say about me? What you really need to know is What is it saying something TO me?Happiness, Confidence, Love, Gratitude and more. These you want more often. You want to know how to get it, how to keep it, and how to get back there any time you want. Is there a way?Yes, there absolutely is. You will know exactly how.Dr. Conway has the answer. Its a simple secret that makes high level Emotional Intelligence and emotional self-control available for you. One simple secret, and suddenly it all makes sense.Conway became an expert on Emotional Intelligence in the trenches of talking down violent men from rioting and saving people from the brink of suicide. With life and limb literally on the line, he was either right, or someone was going to get hurt. He was right. Rarely is any man given the opportunity to have his ideas tested and proven so right so many times for so long.His idea is brilliant in its simplicity: Emotions are a Language. Thats the big secret. Now you know. You know the big secret and you haven't even read the book, yet.He teaches you about Emotions of Duplication, what they are, how they work, why they work that way, and how you get more of those. It also explains why so many people do the obvious and it too often simply does not work.He tells you all about Emotions of Change. Its even more important to understand these. Why? Because these are the emotions you dont like, and they are there to tell you something must change. If you dont change, youll feel them more than we want. That may already be your experience!If you somehow avoid them without changing something, you miss important things. If you stuff negative emotions, its like seeing a warning light on the dash of your car and solving the problem by putting tape over the light! Theres something there! If you ignore it while its just an emotion, it might show up in other ways maybe with a much higher price to pay!Emotional Genius is packed with answers. Conway provides a very concrete, step-by-step system so you quickly leap from very ordinary levels of Emotional IQ to extraordinary levels of Emotional Genius!Business people, leaders and up-and-coming leaders benefit from understanding whats going on with their clients and key team members. Family members gain incredible insight into whats really going on at home when their spouse or child feels something intensely. And of most immediate importance we understand whats going on inside of us and EXACTLY what to do about it.Answers are right here. If you want to understand emotions, this book is exactly the tool you want. If you need to cut past the emotion to communicate effectively on critical issues, add this book to your library right now. If you want to learn the foundation to gain almost magical insight into whats really going on inside of others, read Emotional Genius.Recommended with Emotional Genius are Dr. Conways books Above It All and Freedom Found.
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g: 0 Posted By: archena
Views: 138 Replies: 0 Please note only guaranteed to be FREE at time of posting. Please verify before you click and purchase.Two One Pony: An American Soldier's Year in Vietnam, 1969 (Stackpole Military History Series) [Kindle Edition] was $18.95Charles R. Carr (Author) www.amazon.com/dp/B007R9ZCY6Publication Date: December 13, 2011Publisher: Stackpole Books1 Review - ★★★★★#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Leaders & Notable People > Military#1 in Kindle Store > Kindle eBooks > Biographies & Memoirs > Professionals & Academics > Military & Spies
● Thoughtful, reflective narrative of a reluctant soldier in Vietnam
● Author served as a mechanized infantryman in the Mekon Delta with the 9th Infantry Division
● Captures the rhythms of life in war as well as the boredom and chaos of Vietnam
● Two One Pony was the name of the author's squad's armored personnel carrier
● Tries to make sense of the absurdity of the war
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Added on : Thursday August 01st 2013 10:00:10 AM
g: 0 Posted By: FatWallette
Views: 169 Replies: 0


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Free bottle of Vivazen
Added on : Wednesday July 31st 2013 05:00:14 PM
g: 0 Posted By: remick
Views: 114 Replies: 0 http://www.vivazen.com/free-vivazenThe VivaZen blend is made up of a variety of botanicals which when combined bring forth relief and a sense of well being.
In many cultures, this natural approach to muscle sorenesss has been used in folk medicine for centuries.
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2 Questions: Student Loan Payoff and Mortgage Refi
Added on : Tuesday July 30th 2013 08:00:04 PM
g: 0 Posted By: xkilldozer
Views: 18 Replies: 0 Here's the scenario:I have a $25K student loan at 4.95% variable.
Payments are about $160 a month.
I have $35K in my emergency fund.
Should I pay it all off right now and be done with it?My current mortgage is an FHA loan from 2010 at 4.5% and I'm paying $101 per month for insurance.
Property values have increased so if I refi it will be conventional.
Does it make sense to refi the mortgage to conventional, even at 4.5%, and save the $101 per month?
I expect my out of pocket to be around $1500 for the refi.If I do refi, are there any drawbacks if rates continue to drop and I try to refi again a year from now? Would it even be possible?Thanks!
g: 1 Posted By: remick
Views: 134 Replies: 0 http://www.amazon.com/dp/B006BPB9OO/In three remarkable books, international best-selling author Richard Templar shares a complete, 100% practical code for personal success in management, work, and life! The Rules of Management, Expanded Edition covers everything from setting realistic targets to holding effective meetings; finding the right people to inspiring loyalty. Youll learn when and how to let your people think they know more than you (even if they don't) and recognize when they really do. Next, in The Rules of Work, Expanded Edition, Templar reveals the secrets of people who seem naturally great at their job: those rare individuals who always seem to say and do the right thing, get raises, get promoted without compromising their principles, or even seeming to break a sweat. Finally, in The Rules of Life, Expanded Edition, Templar uncovers yet another vital set of secrets: the learnable attitudes and easy-to-use techniques that make some people more contented, more fulfilled, more enthusiastic about life. These are the simple, common-sense, easy-to-follow rules that happy, successful people follow: the rules that can change your life!
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g: 0 Posted By: archena
Views: 144 Replies: 0 7 Simple Choices for a Better Tomorrow [Kindle Edition] was $13.99Bob Merritt (Author), Bill Hybels (Foreword) http://www.amazon.com/dp/B0080K3IF6Publication Date: July 1, 2012Publisher: Baker Books23 Reviews ★★★★★#1 in Kindle Store > Kindle eBooks > Nonfiction > Self-Help > Personal TransformationLife is hard--for everyone. No matter how gifted or fortunate, everyone will experience some level of disappointment in life: difficult classes, jobs, relationships, and losses. But by following basic disciplines anyone can experience accomplishment, freedom, and ease in navigating through life's daily challenges.In this positive, insightful book, Bob Merritt describes a set of universal principles that work for everyone in every stage of life, showing that what we do today determines who we become tomorrow. Anyone who has experienced pain or confusion from lost opportunities, broken relationships, or a nagging sense of emptiness will treasure this book that shows them that the best of life has not passed them by.
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g: 0 Posted By: justignoredem
Views: 81 Replies: 1 So I have a bit of a disagreement with my fiance. She has come up with this idea of continuously buying new cars under the idea of never paying maintenance. Once the car runs out of warranty that can cover any damage, malfunction, etc...(3 years usually?) She has an idea of just to keep buying a new one. Part of the idea is to obviously do this with a HIGH-RESALE value car. That obviously makes some more sense to me. We all know how much used cars have sky-rocketed in price lately.Of course, I'm of the old fashion type of...
1) Buying slightly used
2) Maintenance maintenance maintenance!
3) Get shit taken care of BEFORE it turns to shit and explodes.I'm just curious on FWF's thoughts here. I recently had some costly repairs of slightly < $1k for general stuff (2 new tires, new AC filter, new brakes, new rotors, wheel alignment, oil change). It's quite costly given routine maintenance.
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g: 0 Posted By: fatwallet102
Views: 0 Replies: 0 My parents are in their mid 50s and own a house which they plan on remaining in. My Dad recently retired and is collecting a pension at 2/3 of what he was making upon retirement. He also got another job which is comparable to his last job, so he is more or less collecting two salary's. My Mom works as well. Net income for my parents is around $180,000.I am 25 and in the market for a condo. Been working at my company for two years and its a very stable kind of a gig. Making ~$50k, living at my parents house, looking to move out. Parents have been told by the tax guy at H&R Block that they should get something else for tax purposes. Mortgage on the house they have lived in for 20+ years is almost paid off, so they aren't getting much of a deduction. Question is, does it make much sense to combine forces on buying a duplex with a couple 2 bedroom apartments? I would be in one of them and mow the lawn, etc.
How should it be structured? What makes sense here?
5-in-1 Survival Whistle for $1.55 Shipped @ Amazon / Vender
Added on : Friday July 19th 2013 06:00:05 AM
g: 0 Posted By: Butcherboy
Views: 270 Replies: 0 http://www.amazon.com/dp/B002OEKU0AGo to More Buying Choices and order thru EggDeal or Hoop China for free shippingDescription:
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