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http://www.amazon.com/DIFFERENCES-SUBORDINATES-EFFECTIVENESS-CON... 
Also this is a good book free today(At least the title)
http://www.amazon.com/Shortcut-To-Farside-ebook/dp/B007B4CJ70

First off this is my first post, I have learned a lot in the last three years but now have a different case that hasn't been covered in detail. There also is minimal information out there that doesn't look extremely biased. Last week I had a house fire in the utility corridor that runs from the basement to the attic in my 2200 sq ft colonial house. The house is 14 months old and built by a reputable builder. The fire investigation is still under way as there are a number of potential causes of the fire, electrical short, flu mis-installation, etc. The fire was not due to neglect or a mistake I made inside the house.When I realized the house was on fire, I called 911 and being in a rural area had some time before the fire department showed up. I was able to evacuate a number of personal belongings, valuables, etc that could not be replaced. However the smoke and water damage was fairly extensive and is going to require a full gut and rebuild of the building.I am less concerned with who is a fault regarding the fire as my insurance company is determining that. I am now trying to get smart in regarding to dealing with my insurance company, maximizing the effectiveness of my claim and making sure I don't get screwed. Does anyone have any suggestions as to an advocate or resources for fire loss? There are a number of public adjusters that called that seem to be scum bags, should I hire a public adjuster or fight the claim myself? Who determines what is an acceptable level of smoke damage to salvage something? Can I be compensated for a loss of value in my house as I must now declare there has been a fire, similar to a salvage title for a car? Has anyone gone through this before and has tips or tricks that helped them out?I am not necessarily looking to lawyer up, get sue happy and try to bone anyone, I just want to make sure over the next 5 years I don't end up at a financial loss due to a subcontractors mistake.Thanks for you help,
Tyler Forbes

Before anyone jumps on me for buying a WL policy consider first that I have maxed out my 401k and Roth (Vanguard) for both myself and my wife. I also have other investment accounts so this is just a smaller piece of the big picture. That said, I think our insurance agent may have put the screws to us... we have two NWML $500k policies, one for each of us. For some reason they are setup differently, one is 100% Base WL while the other is 50% Base and 50% Term if I am looking at these correctly. We told the agent we want them to be paid up ASAP so we will have extra flexibility with payments down the road. What we got appears to be very different than what we asked, but we are already 2 years into them.Policy A 100% Base WL (30 years old Healthy female)
Payments ~500/month
Paid up 50+ years (yes 50 years)
Cash value: $13k
Last Div: $508Policy B 50% Base / 50% Adjustable Term Protection (32 years old Healthy male)
Payments ~500/month
Paid up 17 years
Cash value: $8k
Last Div: $828Whats more is that we put an extra 7k right off the bat into Policy A to pay things up faster, since my wife had the ability to put more money in up front. Now, 2 years later, Policy A has a cash value of $13k while Policy B has a cash value of $8K. The strange thing is that Policy B earns more dividends than the higher cash value Policy A.Our goal from the start was to get a policy for both of us that would:
1. Be paid up ASAP
2. Have a death benefit of 500K
3. Provide a tax-free fixed income stream in retirement (kinda like our own pension) So maximum dividends at retirement age.
(We made these points very clear to the agent)My questions:
1. What is the bottom line difference between the 2 policies, one being 100 base and the other 50/50?
2. Why is the higher cash value policy producing lower dividends?
3. In relation to other policies, are they as bad as they look, and if they are can they be adjusted (fixed) ie: can we go from 100 base to something else like 25% base and 75% term without having to kill these policies and start over. (remember these are 2 years in, we want to salvage what we can)Yes, it took me two years to finally review this stuff and do my own research... and from what I have learned so far we may have been setup with policies that benefit our agent while not meeting a single one of our goals effectively.

http://www.avon.comToday Only, get free shipping on orders of $10 or more.
Use code PRESDAY2012 at checkout.
ANEW ULTIMATE Age Repair Day Cream SPF 25

211-990Reg. $34.00

Sale $20.00UNBELIEVABLE OFFER! SAVE 41%! 
ANEW REJUVENATE Skin Revitalizing 2 Week Kit

859-640reg. $34.00

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Clearskin Professional Acne Treatment System

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RARE DIAMONDS 3-Piece Fragrance Layering Collection

712-070
Reg. $16.99A $43 value!Sparkling plum blossom, diamond orchid and the sophisticated elegance of rich cashmere woods. Collection includes: Eau de Parfum Spray
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442-134Reg. $34.00

Sale $19.99SAVE 41%!  Far Away 5-Piece Layering Collection

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Mens Fragrance Sale - 2 for $22 on select fragrances! Mix or match. SAVE up to $23  Striped Weekender Bundle
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Sale $29.99Intro Special - SAVE 50%!
Choose Version
Blue 591-352
Orange 591-788Polyester 3-piece set. Striped duffel, 19 1/2" W x 14" H; adjustable shoulder strap plus carry handles; fully lined with multiple pockets. Solid-color tote, 17 1/2" W x 13 1/4" H; outside slip pocket. Cosmetic bag, 10" W x 5" H.  Foot Works Sugar Lime Mojito Exfoliating Scrub

319-048
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Sale $2.49SAVE 50% While Supplies Last 
Foot Works Sugar Lime Mojito Cooling LotionSAVE 50% While Supplies LastReg.$5.00
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Sale$1.99 ANEW REVERSALIST Day Renewal Cream SPF 25 Trial Size - .25 fl. oz.SAVE 66% While Supplies LastReg. $7.50
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Avon Care 5-Piece Hot Deal

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A refreshing gel lotion formulated with aloe and ginger for normal to dry facial skin. Effectively removes dirt and makeup. Tones and freshens skin. Leaves skin feeling soft and smooth. 3.4 fl. oz. A $3.99 value. SKIN SO SOFT Signature Silk 5-Piece Hot Deal

466-479Reg. $9.99A $35 value!
Features time-released skin-conditioning agents that continually release emollients for all-day moisturization. Beauty bundle includes: 2 Moisturizing Shower Gels
Each, 5 fl. oz. Each, a $6 value 
MOISTURE THERAPY Intensive Healing & Repair Body Lotion - New Packaging

422-015
Reg. $8.00

Sale $3.99SAVE 50%!  Foot Works All-in-1 Pedicure ToolSAVE 50% While Supplies LastReg. $10.00
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SPECIAL OFFERSNAILWEAR PRO Nail Enamel in Sheer French Pink (a $5 value) - only $0.99 with purchase of 2 select products!

DentaLink (Note: Requires site signup to purchase)From the website:$15 for Terra Paws Dental Spray (a $35 value with shipping)This easy-to-use spray from Terra Paws is great for both dogs AND cats of any size and age and is a simple and effective way to support healthy teeth and gums in your pets. Oral disease in pets is fast becoming and epidemic. In fact, 80% of dogs and 70% of cats show signs of oral disease by age 3, according to the American Veterinary Dental Society (AVDS). This formula is made with all-natural, veterinary quality ingredients that combine with your pup's saliva to completely coat his teeth and gums for total protection - plus it's infused with peppermint for minty-fresh breath. Just a few sprays a day will keep the doggy dentist away! Check out the info below for ingredients. Limited quantity available.
Each bottle contains 4.0oz of product - over 800 sprays and 80% more than the competitor.
Your purchase will be delivered directly to the address you provide at checkout within 7 to 9 business days. You'll be provided with a tracking number upon shipment.
Ingredients (100% holistic): Distilled water, grain alcohol, proprietary herbal blend, grapefruit seed extract, grape seed extract, rosemary oil, thyme oil, neem oil and peppermint oil.

YMMVSears B&M
Found in Sears store in zip 88001Was $369.99, now $89.97.Kenmore electrostatic air cleaner/purifier with washable filter
Sears SKU numbers (both number are found on the outer box of this unit):
- 85264 (5 digit)
- 32 85264 (first two numbers are smaller,underscored; followed by same 5 digit number as listed above)
The Kenmore Electrostatic Air Cleaner quickly and effectively reduces airborne allergens and irritants in larger rooms of your home or home office - using a 3 stage cleaning system. Pre-filter collects large particles, the collecting cell charges and attracts smaller particulates, and lastly, an ionizer revitalizes the clean air. The washable filter system saves time and money because it eliminates buying or replacing extra filters. Control panel with LCD puts all the controls at your fingertips.
Product details:
-Quickly and effectively reduces airborne allergens and irritants in larger rooms or your home or home office
-3-stage cleaning system: utilizes pre-filter, collecting cell, and ionizer
-Recommended room size: 23 x 20 ft. (465 sq. ft.)
-AHAM CADR ratings: 330 dust/380/pollen/300 smoke
-Washable filter system (no extra filters to buy or replace
-Pre-filter and collecting cell clean indicators
-Locking casters Amazon listing with picture:
link with picture
Manual with picture and SPECs:
link to manualSears.com Coupons

YMMVSears B&M onlyFound at local Sears store, in zip 88011
GE A1455
14.1 Megapixel
5X Optical Zoom Digital Camera - RedSales receipt shows a sear's sku/part number of 52814.Was $89.99, now $29.99 RED color unit only
Note: Sears no longer has a link to this item, but Kmart has a link to the item.
link Amazon review and link:
link 2
Specifications & Dimensions
General:Auto Focus: TTL contrast detection
Auto Focus Points (Zones) Qty: 9
AV Interfaces: Composite video/audio
Digital Video Format: QuickTime, MJPEG
Digital Zoom: 5.7 x
Effective Sensor Resolution: 14,100,000 pixels
Enclosure Color: Red
Image Recording Format: JPEG
Image Stabilizer: Electronic
Optical Sensor Size: 1/2.3"
Optical Sensor Type: CCD
Product Type: Digital camera - compact
Sensor Resolution: 14.1 Megapixel
Total Pixels: 14,200,000 pixels

Exposure & White Balance:

Exposure Metering: Center-weighted, spot
Exposure Modes: Program, automatic
Light Sensitivity: ISO 100, ISO 800, ISO 400, ISO 200, ISO 80, ISO 1600, ISO auto
Max Shutter Speed: 30 sec
Min Shutter Speed: 1/2000 sec
Shooting Programs: Landscape, portrait mode, museum, night portrait, children, fireworks, night landscape, panorama assist, sports mode, sunset, indoor, glass, snow, leaf
White Balance: Custom, automatic, presets
White Balance Presets: Incandescent, fluorescent, cloudy, daylight

Dimensions:

Depth (in.): 9/10 in.
Height: 2-2/5 in.
Width (in.): 3-7/10 in.

Product Overview:

Camera type: Digital
Features: Image stabilization
General Warranty: 1 year limited
Item Weight (lbs.): 0.288 lbs.
LCD Screen Size: 2.7 to 2.9 in.
Number of Megapixels: 14.1
Optical Zoom: 5 to 6x
Type: Digital
Viewfinder Type: LCD
Weight: 11.9 oz. or less
Power Type: Disposable batteries
Viewfinder Type: None, uses LCD screen

Lens System:

Features: Built-in lens shield
Focal Length Equivalent to 35mm Camera: 35 - 175mm
Focus Adjustment: Automatic
Lens Construction: 7 groups / 9 elements
Macro Focus Range: 2 in - 31.5 in
Min Focus Range: 23.6 in
Type: 5 x zoom lens - 6.3 - 31.5 mm - f/3.0-4.7
Zoom Adjustment: Motorized drive

Camera Flash:

Camera Flash: Built-in flash
Effective Flash Range: 1 ft - 16 ft
Features: AF illuminator
Flash Modes: Forced mode, slow synchro, auto mode, flash OFF mode, red-eye reduction
Guide Number (m / ISO 100): 5.3

Color:

Color: Red
Overall Color: Red

Additional Features:

Additional Features: Audio recording, USB 2.0 compatibility, DPOF support, PictBridge support, AE lock, in-camera red-eye removal, Scene Detection Technology, Pan-Capture Panorama technology, face detection, Exif Print support, Blink Detection technology, Smile Detection
Continuous Shooting Speed: 1.39 frames per second

Batteries:

Alkaline Battery Compatible: Yes
Cell Type: Alkaline
Battery Class/Size: Standard AA
Number Required: 2
Number of Batteries Included: 2
Display:

Display Features: Built-in
Resolution: 234,000 pixels
Type: 2.7" LCD display

Included with Item:

Image/Photo Editing: Yes
USB Cable: Yes
Wrist Strap: Yes

Connections:

Connector Type: 1 x composite video/audio output
1 x USB
Memory Card Slot: SD card

Software: Software: Drivers & Utilities, ArcSoft PhotoImpression 6
System Requirements for PC Connection:
Peripheral Devices: USB port, CD-ROM drive

Miscellaneous:

Included Accessories: USB cable, wrist strap
Works with Windows Vista: Software and devices that carry the Works with Windows Vista logo have been tested for baseline compatibility with PC's running.

Battery:

Battery Type: AA
Details: 2 x AA alkaline battery ( included )

Memory / Storage:

Image Storage: JPEG 4320 x 3240
JPEG 4320 x 2880
JPEG 4320 x 2430
JPEG 3264 x 2448
JPEG 2560 x 1920
JPEG 2048 x 1536
JPEG 640 x 480
Memory Card Slot: SD card
RAM Installed: 18 MB
Supported Memory Cards: SD Memory Card, SDHC Memory Card
Video Capture: 640 x 480 - 30 fps
640 x 480 - 15 fps
320 x 240 - 30 fps
320 x 240 - 15 fps

Dimensions & Weight:

Depth: 1.1 in
Height: 2.4 in
Weight: 4.6 oz
Width: 3.7 in
Environmental Parameters:
Humidity Range Operating: 0 - 90%
Microphone:
Microphone Operation Mode: Mono
Other Features:
Shockproof: No
Weatherproof: No
Digital Features:
Audio-Video Output Jacks: Yes
Bundled Software: ArcSoft PhotoImpression
Direct Printing Options: Pictbridge
HD Video Capture: No
Image Stabilization: Yes
Movie Capability: Yes
Number of Picture Effects Modes: 8 modes
Compatibility Requirements:
Mac Compatibility: Yes
PC/Windows Compatibility: Yes
Image Recording & Storage:
Image File Format Type: JPEG/EXIF v 2.2
Media Type: Internal Memory, SD card / SDHC card
Connectivity, Interfaces & Ports:
Interface Type: USB 2.0/Cards/PictBridge
USB 2.0 Compatible: Yes
Lens:
Aperture Override: Yes
Focal Length Min - Max: 35 - 175mm
Magnification, Digital Zoom: 5.7X
Magnification, Optical Zoom: 5X
Wide Angle (Min.Focal Length): 35mm
Zoom Type: Optical and digital
Focus, Framing & Exposure:
Face Detection: Yes
Focus: Manual/automatic
LCD Display: Yes
Maximum Shutter Speed: 1/2000 sec.
Preview LCD Monitor Size: 2-7/10 in.
Shutter Speed Override: Yes
Smile Detection: Yes
Focusing Type: Automatic/manual
Image Capture:
Speed Sensitivity (Max.ISO): 1600
Picture Options:
Panorama: Yes
Flash:
Flash Type: Built-in
Outputs, A/V:
Video Output: Yes
Flash Enhancements:
Red Eye Reduction: Yes
Shoot Mode:
Continuous shooting mode: Yes
Landscape mode: Yes
Macro Mode: Yes
Smart Camera Mode: No

This is free for another several hours, then it will be over $20 to get these four fitness / exercise books. I'm feeling lazy right now, but this may motivate me to hit the gym tomorrow. At least I'll have some Sunday night reading material (or something to read Monday on the way to work, or at the gym). Most people will try anything to slim down spending hundreds/thousands a year. Now I have 4 (free) options, worth a shot.
The Natural Way: The Holistic Guide To Total Mind-Body Health & Fitness (super hot chick model in some nice poses)Fitness Training Steps to Success: How to Train EffectivelyHardcore Circuit Training for Men: Outdoor Hill WorkoutTurn On, Tune In, Get Fit

This is free for another several hours, then it will be over $20 to get these four fitness / exercise books. I'm feeling lazy right now, but this may motivate me to hit the gym tomorrow. At least I'll have some Sunday night reading material (or something to read Monday on the way to work, or at the gym). Most people will try anything to slim down spending hundreds/thousands a year. Now I have 4 (free) options, worth a shot.
The Natural Way: The Holistic Guide To Total Mind-Body Health & Fitness (super hot chick model in some nice poses)Fitness Training Steps to Success: How to Train EffectivelyHardcore Circuit Training for Men: Outdoor Hill WorkoutTurn On, Tune In, Get FitAmazon Coupons

YMMVSears B&M onlyFound at local Sears store, in zip 88011
GE A1455
14.1 Megapixel
5X Optical Zoom Digital Camera - RedSales receipt shows a sear's sku/part number of 52814.Was $89.99, now $29.99 RED color unit only
Note: Sears no longer has a link to this item, but Kmart has a link to the item.
link Amazon review and link:
link 2
Specifications & Dimensions
General:Auto Focus: TTL contrast detection
Auto Focus Points (Zones) Qty: 9
AV Interfaces: Composite video/audio
Digital Video Format: QuickTime, MJPEG
Digital Zoom: 5.7 x
Effective Sensor Resolution: 14,100,000 pixels
Enclosure Color: Red
Image Recording Format: JPEG
Image Stabilizer: Electronic
Optical Sensor Size: 1/2.3"
Optical Sensor Type: CCD
Product Type: Digital camera - compact
Sensor Resolution: 14.1 Megapixel
Total Pixels: 14,200,000 pixels

Exposure & White Balance:

Exposure Metering: Center-weighted, spot
Exposure Modes: Program, automatic
Light Sensitivity: ISO 100, ISO 800, ISO 400, ISO 200, ISO 80, ISO 1600, ISO auto
Max Shutter Speed: 30 sec
Min Shutter Speed: 1/2000 sec
Shooting Programs: Landscape, portrait mode, museum, night portrait, children, fireworks, night landscape, panorama assist, sports mode, sunset, indoor, glass, snow, leaf
White Balance: Custom, automatic, presets
White Balance Presets: Incandescent, fluorescent, cloudy, daylight

Dimensions:

Depth (in.): 9/10 in.
Height: 2-2/5 in.
Width (in.): 3-7/10 in.

Product Overview:

Camera type: Digital
Features: Image stabilization
General Warranty: 1 year limited
Item Weight (lbs.): 0.288 lbs.
LCD Screen Size: 2.7 to 2.9 in.
Number of Megapixels: 14.1
Optical Zoom: 5 to 6x
Type: Digital
Viewfinder Type: LCD
Weight: 11.9 oz. or less
Power Type: Disposable batteries
Viewfinder Type: None, uses LCD screen

Lens System:

Features: Built-in lens shield
Focal Length Equivalent to 35mm Camera: 35 - 175mm
Focus Adjustment: Automatic
Lens Construction: 7 groups / 9 elements
Macro Focus Range: 2 in - 31.5 in
Min Focus Range: 23.6 in
Type: 5 x zoom lens - 6.3 - 31.5 mm - f/3.0-4.7
Zoom Adjustment: Motorized drive

Camera Flash:

Camera Flash: Built-in flash
Effective Flash Range: 1 ft - 16 ft
Features: AF illuminator
Flash Modes: Forced mode, slow synchro, auto mode, flash OFF mode, red-eye reduction
Guide Number (m / ISO 100): 5.3

Color:

Color: Red
Overall Color: Red

Additional Features:

Additional Features: Audio recording, USB 2.0 compatibility, DPOF support, PictBridge support, AE lock, in-camera red-eye removal, Scene Detection Technology, Pan-Capture Panorama technology, face detection, Exif Print support, Blink Detection technology, Smile Detection
Continuous Shooting Speed: 1.39 frames per second

Batteries:

Alkaline Battery Compatible: Yes
Cell Type: Alkaline
Battery Class/Size: Standard AA
Number Required: 2
Number of Batteries Included: 2
Display:

Display Features: Built-in
Resolution: 234,000 pixels
Type: 2.7" LCD display

Included with Item:

Image/Photo Editing: Yes
USB Cable: Yes
Wrist Strap: Yes

Connections:

Connector Type: 1 x composite video/audio output
1 x USB
Memory Card Slot: SD card

Software: Software: Drivers & Utilities, ArcSoft PhotoImpression 6
System Requirements for PC Connection:
Peripheral Devices: USB port, CD-ROM drive

Miscellaneous:

Included Accessories: USB cable, wrist strap
Works with Windows Vista: Software and devices that carry the Works with Windows Vista logo have been tested for baseline compatibility with PC's running.

Battery:

Battery Type: AA
Details: 2 x AA alkaline battery ( included )

Memory / Storage:

Image Storage: JPEG 4320 x 3240
JPEG 4320 x 2880
JPEG 4320 x 2430
JPEG 3264 x 2448
JPEG 2560 x 1920
JPEG 2048 x 1536
JPEG 640 x 480
Memory Card Slot: SD card
RAM Installed: 18 MB
Supported Memory Cards: SD Memory Card, SDHC Memory Card
Video Capture: 640 x 480 - 30 fps
640 x 480 - 15 fps
320 x 240 - 30 fps
320 x 240 - 15 fps

Dimensions & Weight:

Depth: 1.1 in
Height: 2.4 in
Weight: 4.6 oz
Width: 3.7 in
Environmental Parameters:
Humidity Range Operating: 0 - 90%
Microphone:
Microphone Operation Mode: Mono
Other Features:
Shockproof: No
Weatherproof: No
Digital Features:
Audio-Video Output Jacks: Yes
Bundled Software: ArcSoft PhotoImpression
Direct Printing Options: Pictbridge
HD Video Capture: No
Image Stabilization: Yes
Movie Capability: Yes
Number of Picture Effects Modes: 8 modes
Compatibility Requirements:
Mac Compatibility: Yes
PC/Windows Compatibility: Yes
Image Recording & Storage:
Image File Format Type: JPEG/EXIF v 2.2
Media Type: Internal Memory, SD card / SDHC card
Connectivity, Interfaces & Ports:
Interface Type: USB 2.0/Cards/PictBridge
USB 2.0 Compatible: Yes
Lens:
Aperture Override: Yes
Focal Length Min - Max: 35 - 175mm
Magnification, Digital Zoom: 5.7X
Magnification, Optical Zoom: 5X
Wide Angle (Min.Focal Length): 35mm
Zoom Type: Optical and digital
Focus, Framing & Exposure:
Face Detection: Yes
Focus: Manual/automatic
LCD Display: Yes
Maximum Shutter Speed: 1/2000 sec.
Preview LCD Monitor Size: 2-7/10 in.
Shutter Speed Override: Yes
Smile Detection: Yes
Focusing Type: Automatic/manual
Image Capture:
Speed Sensitivity (Max.ISO): 1600
Picture Options:
Panorama: Yes
Flash:
Flash Type: Built-in
Outputs, A/V:
Video Output: Yes
Flash Enhancements:
Red Eye Reduction: Yes
Shoot Mode:
Continuous shooting mode: Yes
Landscape mode: Yes
Macro Mode: Yes
Smart Camera Mode: No

OfficeMax 100% back in rewards on writing supplies and tablet cases, various other offers 02/19-02/25
To see the offer: OfficeMax.com MaxPerks page
February 19, 2012 thru February 25, 2012:100% Bonus Reward on select Paper Mate and Sharpie writing supplies (items# 22976665, 21495990, 21903996) online only, limit 3 Bonus Rewards per item per member.100% Bonus Reward on select Nuo and Chloe Dao Tablet Cases (items# 23234144, 23234153, 23234162, 23248442, 23248451), online only, limit 2 Bonus Rewards per item per member.
$25 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $50 Bonus Reward per member.$4.99 Bonus Reward on Hammermill 8.5x11 Copy Plus Paper, 500- Sheet Ream (item# 06016018) limit 2, maximum $9.98 Bonus Reward per member.30% Bonus Reward on all Dymo Label Makers, online only, limit 5 Bonus Rewards per item per member. Items and related Bonus Rewards are available while supplies last.$40 Bonus Reward on select Epson WorkForce Pro Inkjet Printers (items# 23136713, 23137099) limit 2 per item, maximum $80 Bonus Reward per item per member.
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:♦ Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Reward offers are available 2/19/12 thru 2/25/12. Limits may apply; see product offer for details. 20% Bonus Reward on $60 in any national brand ink or 2 identical national band toner cartridges, including HP requires a $60 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes Epson Ink, OfficeMax brand ink, toner and ink refill. $25 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $50 Bonus Reward per member. $4.99 Bonus Reward on Hammermill 8.5x11 Copy Plus Paper, 500- Sheet Ream (item# 06016018) limit 2, maximum $9.98 Bonus Reward per member. 100% Bonus Reward on select Paper Mate and Sharpie writing supplies (items# 22976665, 21495990, 21903996) online only, limit 3 Bonus Rewards per item per member. 100% Bonus Reward on select Nuo and Chloe Dao Tablet Cases (items# 23234144, 23234153, 23234162, 23248442, 23248451), online only, limit 2 Bonus Rewards per item per member. 30% Bonus Reward on all Dymo Label Makers, online only, limit 5 Bonus Rewards per item per member. Items and related Bonus Rewards are available while supplies last. $40 Bonus Reward on select Epson WorkForce Pro Inkjet Printers (items# 23136713, 23137099) limit 2 per item, maximum $80 Bonus Reward per item per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. Bonus Rewards issued are based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a MaxPerks Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/maxperksterms for full details.♦♦ Visa gift card offer is available for purchases of select printers. All Visa gift card offers are available from February 19, 2012 thru February 25, 2012. A MaxPerks ID must be presented at time of purchase for existing members or new member sign-ups. Offer valid in-store, online and/or via phone order. No MaxPerks adjustments will be made after time of purchase. Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 2/25/2012 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, US Postal Stamps, gift cards, general use prepaid cards, phone cards, purchases with Retail ConnectSM pricing, sales tax, purchases made prior to the date of enrollment and all products sold by RadioShack Mobile including mobile phones, mobile phone accessories and service plans. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperksterms for full program details.
..
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2012.01.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. How many rewards card can be used on a single purchase?
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
09. The offer is not advertised in my region. Is the offer valid in my region?
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
11. When will the rewards be noted on the rewards account?
12. How and when will the rewards / bonus rewards be paid out?
13. Do rewards expire?
14. Can rewards be used to purchase gift cards?
15. What is the best way to cash out the Rewards?
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**
03. Can only businesses and teachers join the MaxPerks Rewards programs?Anyone who meets the following requirements can join: "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers may sign-up for the MaxPerks Rewards for Teachers program. The main advantage of the Teachers rewards program is the higher standard rewards payout ($10 for every $75 in qualified purchases for Teachers versus $25 for every $500 in qualified purchases for Business). The main disadvantage of the Teachers rewards program is that the rewards are paid out quarterly.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?Yes, to date, with one exception.Paying for 100% back in bonus rewards, $0.01 after bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those three types of bonus rewards offers, MaxPerks rewards have "rolled".The one type of bonus rewards offer that does not roll is "Get X% Back in MaxPerks Rewards on most everything". The offers' terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back bonus rewards offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable.
---- if it's a fixed value net $0.01 after bonus rewards offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable.
---- if it's a fixed value (buy X get $Y in rewards) bonus rewards offer, then using a coupon has not impacted the rewards payout to date although the recent offer terms change suggests using a coupon may reduce the rewards payout.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $0.01 after rewards, buy X get $Y in rewards offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $0.01 after rewards, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. How many rewards card can be used on a single purchase?In-store and phone: According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. The last time I tried using more than three Rewards cards on a single transaction in-store -- admittedly this past June -- the cash register did not prevent using more than three.Online: The limit is one Rewards Card (or gift card) per transaction.
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically credit the reward. If the reward is not automatically credited, contact MaxPerks Rewards customer service to have the reward credited.
09. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised bonus rewards offers worked for them while others have reported that they have not. My experience is that bonus rewards offers are not valid out of the targeted region(s).
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
11. When will the rewards be noted on the rewards account?Please note that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
12. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to latter half of the month in the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in January will generally be paid out in February.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to latter half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in January thru March will be paid out in April.If the rewards will be paid out at a different time it will be noted in the offer's terms.
13. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
14. Can rewards be used to purchase gift cards?No. Effective July 28, 2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
15. What is the best way to cash out the Rewards?Unlike Office Depot and Staples, OfficeMax does not offer free after rebate items which leaves purchasing items that are needed or that can be flipped.
16. Does the purchase of a bonus rewards item count toward the purchase requirement for the ink/toner recycling program?Yes, as long as the purchase is otherwise a qualifying purchase, the purchase of a bonus rewards item does count toward the purchase requirement for the ink/toner recycling program at the item's purchase price net of coupons, rewards (paid on the purchase not received because of the purchase), sales tax and shipping.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, tablets, eReaders, gift cards, general use pre-paid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases made with your MaxPerks member ID the day you sign up.**Example:100% back in bonus rewards on a widget priced at $60.00. Purchase paid for with a $10 off coupon, $20 in rewards and the remainder ($30 net of sales tax) on a credit card.This purchase will earn $50 in bonus rewards ($60 - $10 coupon) and will count as $30 ($60 - $10 coupon - $20 rewards) toward the recycling program's purchase requirement.
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The bonus reward payouts are not linked in any way to standard rewards payouts. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions
DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.OfficeMax Coupons

Just a warning or FYI for everyone who holds Bank Direct AA interest Mile Account. They have instituted a policy of $12 maintenance fee for every month effective jan 31st. I tried to get the fee revered but without any luck. Talked to rep then rep's manager and manger's manger, but no success. The rep stated that they have sent details of the change on Nov but i can't recall getting anything from them. Anyway just FYI ... to other fatwallet community member in case if you have account in this institution.

This is one for the resident landlords and informed property owners. As far as applicable law is concerned, I live in the state of Florida.My neighbor passed away last summer.Right before Christmas, his college freshman granddaughter moved in after her parents gave her the house. Since then, the house has degenerated into a wretched hive of scum and villainy.Four cars routinely park there; two in the garage, and two in the street. When they're having a party, there are so many cars parked on the street that it becomes a safety hazard. Sometimes the visitors park on the grass, sometimes on my side of the property line.Every time their lawn service comes by, the mower blows a crapload of cigarette butts into my yard.I can't open my windows on at least two of three days now, for the prevailing winds blow a sickening stream of tobacco and weed smoke across the property line into my home. There is somebody there lighting something up every 15 minutes from sunrise until about 2 AM.The parties are freaking loud and extremely disruptive. This isn't one of those generic "I can tell they're playing some kind of music complaints." I can feel my glass vibrate and occasionally I can make out the lyrics.They party at least two nights a week.Despite clear and well-lit house numbers, drunken/stoned idiots occasionally stumble up to my door looking for the party. The idiot residents next door come over to bother me, but it's never about anything normal. They've asked for everything from condoms to Playstation controllers, but never once anything normal like a cup of sugar or a wrench.I've reached the tipping point. I was just enjoying a nice night on my deck, when I look over at the animal house, only to see one of the residents banging a chick in the jacuzzi. Rather than show a normal human emotion, such as embarrassment, the idiot gives me the thumbs up and keeps hammering away.I've asked them nicely on several occasions to be respectful. I'm always told they'll "try to keep it down" when it comes to the noise. When I point out the parking, they blame others, then tell me they'll talk to their guests (who never listen). The excuses for the cigarette litter are even worse. The owner insists it could be anybody's cigarettes, which is laughable. The first time I talked to her about the litter, she was smoking at the time, and tossed her butt into the bushes, completely oblivious to all traces of reality.There is no HOA, but this is a nice neighborhood. Zillow estimates the house's value at just under $400k, but I'm sure their AVM doesn't take into account the current infestation.I've made two noise complaints to the police, both of which have done nothing. I don't expect code enforcement to be any better.Do I have the legal right to have a tow truck haul away cars parked over the property line, or must I take other steps first before having the offending vehicle hooked?I'm really out of options here. The cops don't care about misdemeanor weed, and even if I called them, the response time is so bad that the giggling stoners would already be inside and into their second bag of Doritos before any blue showed up on scene to give them a stern talking to and a minor fine.This is a huge hole in my pocket, as I am planning to put this property on the market as a rental in another three months. No family is going to want to live next to this hellhole.I am not old enough to shake my fist and order them darn kids to get off my lawn.I'm considering adding another camera to my home surveillance system, and pointing it at their back deck. Maybe if I can get a bong or some nookie on tape I can use their guilt/paranoia against them.Is it worth simply bribing them to shut up and keep it down when the house goes on the rental market? I shouldn't have to, but if nothing else works I might have no choice.Do I bring a six pack over, pretend to party, and hope to see something more than weed which the police will care about?What tactics are effective in dealing with these menaces to a future rental?Is a nuisance this bad something which must be disclosed to prospective renters?

Introducing the Maglite XL50 3-cell AAA LED flashlight. The Maglite LED XL50 flashlight, with its compact, pocket-size design and adjustable LED spot-to-flood beam, features a rear push-button tail cap switch coupled with three modes: high power, 25% energy save power, and emergency strobe. This flashlight has an impact-resistant and durable aluminum casing that helps keep it protected. With Intelligent Energy Source Management, the brightness and effective power usage is continuously monitored, allowing for prolonged battery life. Uses three AAA alkaline batteries (included).99 cents shippingdealtwist.com

This is open to all. The valentine's day special sale is only for 24 hours. You get iPad app for free.

Hey all,
So I'm a second year student at a semi-target school and have made it my goal to become a sales and trading summer analyst intern at a bank before my senior year. I have decided to start prepping for interviews now and would greatly appreciate any advice or book titles on how to effectively trade stocks and play in the market. I'm relatively new to this so any guidance would be greatly welcome. Thanks!

Menards has the G-Clean Kohler engine gas-powered pressure washer with 2600 psi and 2.3 gpm output for $199.99 on clearance. Menards is also offering 11% back by mail in the form of a Menards Gift Check (i.e., just like a Menards gift card). If you're like me, Menards gift cards are as good as cash, so effectively it is like getting this pressure washer for $178 plus the tax on $199.99. Sam's Club has a pressure washer with a no-name brand engine for $199, but other than that, I couldn't find anything cheaper locally. http://www.menards.com/main/p-1655222.htmModel No. GC80747

Not the newest processor, but probably the most cost effective way I know to upgrade an older socket 775 computer. Makes a big difference with XP.

Got this in my email:$50 Bonus with a Business Savings Account

Put your business on the fast track to savings with an
ING DIRECT Business Savings Account and a $50 bonus.As a small business owner, you deserve a banking partner that works as hard as you do. The Business Savings Account pays an interest rate that's 3X the national average (0.50% APY as of 2/9/12). Plus, you can feel confident knowing: No hidden fees, minimums or service charges
Up to 3 authorized signers for added flexibility and security
You can access your account online 24/7To learn more, visit business.ingdirect.com or call 1-877-464-1777 to talk to a business representative. Be sure to use Reference Code BSA421 by March 15th to get your $50 bonus.P.S. Don't have a business but know someone who does? Feel free to forward this offer.ING DIRECT variable Annual Percentage Yield effective as of 2/9/12. Source for national average for business savings account is Informa Research Services as of 1/24/12 and based on a balance of $2,500. Bonus is deposited at time of new account opening, and is available for withdrawal after 30 days. Bonus is available only for new Business Account Customers.

Galaxy 21GGE8HX3BMW GeForce 210 1GB DDR2 PCI Express 2.0 x16 HDCP Ready Video Cardhttp://www.newegg.com/Product/Product.aspx?Item=N82E16814162093Was 49.99
Now $44.99 - $30 rebate + FREE 2 day shipping = $14.99 shippedChipset Manufacturer: NVIDIA
Core Clock: 475MHz
Stream Processors: 16
Effective Memory Clock: 700MHz
DirectX: DirectX 10.1
OpenGL: OpenGL 3.1
HDMI: 1 x HDMI
D-SUB: 1 x D-SUBNewegg Coupons

Got this in my email:$50 Bonus with a Business Savings Account

Put your business on the fast track to savings with an
ING DIRECT Business Savings Account and a $50 bonus.As a small business owner, you deserve a banking partner that works as hard as you do. The Business Savings Account pays an interest rate that's 3X the national average (0.50% APY as of 2/9/12). Plus, you can feel confident knowing: No hidden fees, minimums or service charges
Up to 3 authorized signers for added flexibility and security
You can access your account online 24/7To learn more, visit business.ingdirect.com or call 1-877-464-1777 to talk to a business representative. Be sure to use Reference Code BSA421 by March 15th to get your $50 bonus.P.S. Don't have a business but know someone who does? Feel free to forward this offer.ING DIRECT variable Annual Percentage Yield effective as of 2/9/12. Source for national average for business savings account is Informa Research Services as of 1/24/12 and based on a balance of $2,500. Bonus is deposited at time of new account opening, and is available for withdrawal after 30 days. Bonus is available only for new Business Account Customers.

Chase... is giving deposit-account customers a chance to opt out of mandatory arbitration, but only if they act quickly.
Effective Feb. 1., new Chase customers can opt out within 60 days of opening their account. Existing customers must opt out by April 2 for checking and savings accounts, or within 60 days of their next maturity date after Feb. 1 for certificates of deposit. Arbitration means the consumer gives up a whole lot more rights than they would have otherwise. Usually companies with binding mandatory arbitration in their contracts pick the company who hears the arbitration, and the company of course wants the big bank to pick their company for arbitration again, so of course the odds are stacked in their favor. They are the judge's bread and butter! Opt out.

This kindle book is normally at least $9.99, but it's suddenly $0.00 for Wed Feb 8th ONLY!If you have ever thought about getting in shape in 2012, this a no brainer. Lots of workout programs depending on your goals.
has photos of all the exercises
beginners or advanced workoutstake your little kindle to the gym and do every exercise correctly and effectively.i dont play sports either, it's fitness book so the title can be ignored really.LINK TO FREE FITNESS BOOK: http://www.amazon.com/dp/B0050K0UX2

Chase... is giving deposit-account customers a chance to opt out of mandatory arbitration, but only if they act quickly.
Effective Feb. 1., new Chase customers can opt out within 60 days of opening their account. Existing customers must opt out by April 2 for checking and savings accounts, or within 60 days of their next maturity date after Feb. 1 for certificates of deposit. Arbitration means the consumer gives up a whole lot more rights than they would have otherwise. Usually companies with binding mandatory arbitration in their contracts pick the company who hears the arbitration, and the company of course wants the big bank to pick their company for arbitration again, so of course the odds are stacked in their favor. They are the judge's bread and butter! Opt out.

With all the talk about how much people are paying in taxes, I'm curious to see what effective tax rate everyone falls into.(Federal Only)I just finished my 2011 taxes and ended up at 5.4% (my gross income would put me into the 25% bracket). No fancy deductions just mortgage, 2 kids, and charity/tithe the main ones. I feel thats pretty good (though not as good as my 08 return where I made more money but had a 0% rate due to an adoption

http://www1.hilton.com/en_US/hi/hotel/LASCSGV-Elara-a-Hilton-Gra...For those of us who collect Hilton Hhonors points, looking for a better Las Vegas option - Hilton will be taking over property adjacent to Planet Hollywood, effective March 1.The web site does not yet offer Hhonors Points reservations, I called Hhonors reservations who confirmed that they are not yet available, should be released toward the end of February. As it is shown as a "Grand Vacations" property, studios should go for 35k points per night - not bad for the prime location.

Free $10 Publix Gift Card WYB $100 or more
Here are all the deals and coupons starting at Publix on 2/1 or 2/2 depending on which region you are in. To top it off youll get a $10 gift card for every $100 purchase using the in-ad coupon. YMMV.
http://weeklyad.publix.com/publix/Default.aspx?action=detail&sto...
FREE $10 PUBLIX GIFT CARD WITH YOUR PURCHASE OF $100 OR MORE
Coupon required to receive gift card. Gift card valid on future purchases. Only one deal and coupon accepted for every $100 grocery purchase. Excluding all gift cards, tobacco, alcohol, lottery items, money services, postage stamps, and prescriptions. Customer is responsible for all applicable taxes. Reproduction or transfer of this coupon constitutes fraud. Effective only at your neighborhood Publix through 2/7/12. LU#10222

I did a search for this topic on google and fatwallet and didn't see anything. Apologize if this has been covered before.I wanted to see if anyone used any non-standard metrics when evaluating their portfolio. This is obviously above and beyond the common metrics like comparing to the relative performance of the S&P and overall return (which really is the ultimate metric). There is dividend yield as well.I am exploring metrics that focus more on the asset allocation of your portfolio. I am not a statistics expert so I hope folks chime in with some constructive feedback:1) Move away from comparing to S&P as a beta.In theory, what if I created a new standard beta that was based on a basic asset allocation rather than solely the S&P. I mean, as soon as I factor in bonds and other items into my asset allocation (in theory), my portfolio should be more conservative and by definition should have a beta of less than 1. What if I calculated beta off of a basic portfolio allocation? Stealing from Bogleheads, I could use one of the lazy portfolios such as 33% BND, 34% VTI, 33% VEU. This becomes my new baseline and I can then compare my portfolio allocation to this to see how relatively volatile my portfolio is from the generic diversified portfolio.2) Treynor Measure/Sharpe RatioThis was intended to be a universal metric that factored risk into a portfolio's overall performance. You can learn more here. The basic formula is (Portfolio Return Risk-Free Rate) / Beta. Since I am created a new "Asset Allocation Beta" as I could utilize it in this metric in that I can baseline my lazy portfolio listed above vs. its beta to my portfolio. This again would give me a better comparison to not just the market but to a basic asset allocation. The Sharpe Ratio is almost identical but uses standard deviation instead of beta and would show me a similar result.I am trying to challenge certain views of investing as trying to beat the market as opposed to weathering the market as effectively as possible through good diversification.Let me know of any other metrics you are using that you find helpful. Thanks for any feedback in advance.

Product Features
Ideal for single cat homes
Comfortable handle
Fits smaller litter pans
Anti-scatter sidesAmazon Product Description
The Favorite Scoop enables you to easily remove large clumps and clean the litter box effectively and vigorously. It makes a nasty job less nasty. In spite of its large size, the scoop is extremely lightweight. The ergonomic handle makes it comfortable to hold and keep your hand out of the soiled litter. Thanks to the ninety degree corners and flat-edged blade, it works both as a garden trowel and a hand held hoe. It also works for sifting seashells from the wet sand at the beach. Cheap for only $3.99 Link

Login to your Amazon account
Visit the Amazon page for your favorite Oral-B electric toothbrush head
Click on the button next to "Save $5.00 with this Coupon"
Get an extra discount and free shipping if you choose the subscribe & save optionExamples:
Oral-B Pro-White 3-pack for $11 FS: http://www.amazon.com/dp/B0002KHTG6
Oral-B Floss Action head 3-pack for $12 FS: http://www.amazon.com/dp/B000AUIFCA
These heads cost $8 each at local drug stores. My dentist keeps reminding me that the heads become ineffective after about 2 months of use.The popular heads usually sell out quickly when Amazon releases a new coupon, so buy yours quickly.

LinkThere's a $75 off coupon (in the coupon book) effective 2/2/2012. It's cheaper than the payroll renewal alone.

http://www.giveawayoftheday.com/January 29, 2012This is music gear that is convenient and versatile, yet cost-effective for music lovers. It is a resourceful multi-channel music mixer that enables you to edit any number of channels for surround sounds.
It has been improved with a multi-track editor, more cool music effects and enhance the quality of output recording files. The interactive funny space helps you enjoy special collections of funny sounds, ringtones, audio clips, etc. without using any browser.

Key features:
You can get more audio formats. Music Morpher supports most popular audio formats to make converting effortless. Now convert WAV to MP3, MP3 to WAV, etc. and make a song suitable for any portable device.
Make a Beautiful Duet from a Solo Song. Music Morpher helps you generate different singing voices from the same artist.
Make Your Songs More Musical. You can create a chasing voice for a more sentimental sound, or to add depth. Lots of other music effects are ready for you to make your songs sound sensational.
Make Your Own CD. You can record your voice while singing along with a song, then burn it to CDs and then create your own, personalized CD covers and labels, etc.
Create Your Own Ringtones from Your Favorite Songs. Music Morpher allows you to create unique ringtones for you cellphone. Cut out any music clip you love and then set it as your ringtone.

The Dividend Rates and Annual Percentage Yield are effective as of October 2, 2009, and are subject to change at any time. Minimum deposit $1,000, maximum deposit $1,000. Rate is 4.89%. Term is 12 months. At maturity the certificate will renew at Patelco's current yield for a regular 12-23 month share certificate. Penalty for early withdrawal. Available for a limited time. Funds deposited to this account must come from an institution other than Patelco. Account available to new members only-must open a new membership. One certificate per member. 1k min.Dividends paid monthly

http://www.amazon.com/gp/goldboxAmazon.com Review
The 7 Habits of Highly Effective People: Powerful Lessons in Personal Change was a groundbreaker when it was first published in 1990, and it continues to be a business bestseller with more than 15 million copies sold. Stephen Covey, an internationally respected leadership authority, realizes that true success encompasses a balance of personal and professional effectiveness, so this book is a manual for performing better in both arenas. His anecdotes are as frequently from family situations as from business challenges. Before you can adopt the seven habits, you'll need to accomplish what Covey calls a "paradigm shift"--a change in perception and interpretation of how the world works. Covey takes you through this change, which affects how you perceive and act regarding productivity, time management, positive thinking, developing your "proactive muscles" (acting with initiative rather than reacting), and much more. This isn't a quick-tips-start-tomorrow kind of book. The concepts are sometimes intricate, and you'll want to study this book, not skim it. When you finish, you'll probably have Post-it notes or hand-written annotations in every chapter, and you'll feel like you've taken a powerful seminar by Covey. --Joan Price

I got a notice in the mail yesterday that Citgo cards are being discontinued since Citibank no longer wants to support them. They will be closed effective Feb 29, 2012.

Assumptions:
1. we are not a country prepared to let people die on the steps of hospitals for lack of funds for treatment;
2. the government pays for approximately 60% of all health care expenditures already, and that is steadily increasing;
3. we have some of the most technologically advanced health care in the world and we want to preserve that, including research;
4. we have some of the highest costs in the world, and that is not sustainable;
5. health care delivery is overly complex;
6. many of our dissatisfactions with health care are due to poor health outcomes associated with poor lifestyle decisions;
7. others stem from our country's complex and heterogenous population;
8. health care costs are the elephant in the room with regards to both our debt and deficit, and solving health care will again make the US one of the best places in the world to do business;
9. a mentally and physically healthy population is a national security issue, because a bunch of obese, diabetic, drug addicts make poor soldiers.
10. health care insurance, as it were, can only work when healthy people participate in the pool.OK, here we go.1. phase out medicare and Medicaid over 30 years.2. eliminate the Medicare payroll and investment taxes.3. rather than mandating insurance, the government provides, for free, basic health insurance to every US citizen.4. basic health insurance is basic. generic meds only. no fancy-schmancy stuff. prenatal visits and annual physicals and stuff that makes sense and is proven to work is covered. everything else is not. simvastatin is covered; Crestor is not. citalopram is covered; Lexapro is not. You get the idea. A multi-year, transparent process to develop the covered procedure/medication list will be required (but see below)5. the federal government offers 'take it or leave it' pricing to providers. Providers are not required to accept this insurance, but will be incentivized due to volume. Providers will know, in advance, what is covered, and what is not. They may cover additional services as they see fit, but they will not be reimbursed by the feds. Patients might have their own private insurance (see below). The insurance will offer higher pricing to critical access providers to increase likelihood of acceptance, ie, underserved communities.6. in addition to this basic insurance, a national marketplace for 'add-on' insurance will be created. This marketplace will operate completely in the free market. It will be purchased by individuals, or by corporations for their employees. This would be like 'medigap' insurance. The only requirements for these plans is 1. the costs and benefits of each plan must be clearly spelled out and 2. once an individual has been approved for and purchased into a plan, that individual can NEVER be droopped from the plan or have their premium increased by more than the average rate of premium increase for all plans, SO LONG as they make their monthly premium payment and remain an active member of the plan. Other than that, prices are set by the insurers without restriction. No more taking money from the healthy, then dumping patients when they get sick.7. the tax deduction for employer-sponsored health care will be eliminated.8. if you are not a US citizen, you are not eligible for the free federal coverage. You may purchase insurance in the national marketplace described above.9. malpractice reform is necessary to protect providers from not providing uncovered care. In other words, providers must be protected from witholding uncompensated care; they cannot be forced to work for free. They may choose to, out of charity or compassion, but they cannot be forced to.10. a cash bonus is given for lifestyle changes with proven cost reduction outcomes. We pay people to quit smoking. We pay people to lose weight and keep it off. We pay people to stay clean off opiates. It is cheaper in the long run than having these folks show up years later with COPD, diabetes, neuropathy, nephropathy, and cardiovascular disease. It's time to be honest about preventative medicine and that means incentizing behavior change.11. by eventually winnowing down employer-based health care, employees are freer to leave work. This means the young old can retire without fear of going naked. This frees up jobs for younger employees. It improves the environment for entrepreneurship, allowing employees to take risks on business ventures without fear of losing insurance or becoming uninsurable.12. how to pay for it. A national sales tax (of whatever is required - say 10%) - on every retail purchase except for food, gas, and medicine. This tax must be dedicated solely to the federal insurance program, with the exception that 10% of the fees collected are dedicated to non-profit research. It must fully pay for the program costs each year; it cannot run a deficit. It can be adjusted up or down by the will of Congress, ostensibly representing the will of the people, as the people demand more or less health care, or more or less taxes. For instance, if the people are not satisfied with the level of coverage provided by the insurance plan, they may persuade Congress to increase the tax to 12%. If they feel their taxes are too high, they may persuade Congress to lower the tax to 8% - and receive fewer services in the insurance plan. This funding mechanism has several advantages over our current system. First, it is dedicated. Second, it is transparent: there is a direct link between level of taxation and level of service. Third, it is shared by everyone including the healthy but moderately progressive in that it excludes food, gas, and medicine and the wealthy spend more money than the poor.13. charity care by providers and social service agencies will attempt to fill the gaps between the basic federal plan the private plans... just like we do now.14. we publicly acknowledge that we cannot afford unlimited health care for every patient.This system does away with complex formulas governing eligibility, reimbursement, and cost-sharing for programs like Medicaid and Medicare. It replaces that with a single, shared, but very basic health care plan which will use the power of the federal government to negotiate lower prices, over time, with providers. It has dedicated, sustainable, and transparent funding for health care, and the level of service (and taxation) can be clearly adjusted by the people as they see fit. It automatically increases the pool of participants to make health insurance actual insurance. It gets rid of all the risks around preexisting conditions, uninsurable patients, and insurers dropping ill patients. It will result in lower prices across the board as providers compete with each other for the largest chunk of business, and with each other for cash-paying customers and national insurers. It provides a basic level of humane health care without promising 'the world' to everyone. It removes some of the inequitability of the employer-health care tax deduction. It offers a true, free-market insurance solution available to everyone. It provides for continued research to support technological advances. It recognizes the need for individual responsibility in managing lifestyle diseases and incentivizes change in a cost-effective way which benefits our health and our national security. It supports the formation of small businesses and it provides 'through-put' for the labor force to increase employment for younger workers. It will be cheaper and by definition will be non-deficit-generating.I think that's it for now.OK... hit me. what's wrong with this plan?

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OfficeMax $0.01 after rewards on select case paper, ream paper, labels, and writing products 01/22-01/28
To see the offer: OfficeMax.com MaxPerks page
January 22, 2012 thru January 28, 2012:
$0.01 after rewards items (in-store, online and via phone):$41.98 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) $41.99, limit 2, maximum $83.96 Bonus Reward per member. LINK$6.98 Bonus Reward on OfficeMax 8.5x11 Multipurpose Paper, 500-Sheet Ream (item# 20157465) $6.99, limit 2, maximum $13.96 Bonus Reward per member. LINK$26.98 Bonus Reward on Avery 5160 Laser Mailing Labels, 3,000 Pack (item# 07001497) $26.99, limit 1, maximum $26.98 Bonus Reward per member. LINK
$0.01 after rewards items ONLINE ONLY:$4.58 Bonus Reward on select Expo, Paper Mate, and Sharpie writing products (items# 10022664, 20909769, 20909778, 20201425, 21011405, 10014824) online only, limit 2 per item, maximum $9.16 Bonus Reward per item per member. LINK
--- Sharpie Accent Tank-Style Highlighters, Fluorescent Yellow, Chisel, 4 pack [10022664] $3.39 LINK
--- Sharpie Accent Tank-Style Highlighters, Assorted, Chisel, 5 pack [20201425] $4.29 LINK
--- Paper Mate Profile Retractable Ballpoint Pens, 4 Black Ink Pens [20909769] $3.89 LINK
--- Paper Mate Profile Retractable Ballpoint Pens, 4 Colored Ink Pens [20909778] $3.89 LINK
--- Expo Low Odor Dry Erase Pen-Style Markers, 4 Assorted Markers [21011405] $4.59 LINK
--- Expo Low Odor Chisel Tip Dry Erase Markers, 4 Assorted Markers [10014824] $5.59 LINK
$0.01 after rewards items IN-STORE ONLY:$8.28 Bonus Reward on Sharpie Black Fine-Point Permanent Markers, 12 pack [10000722] $8.29, limit 1, maximum $8.28 Bonus Reward per member
--- See first page of weekly flyer
--- Not included in the online terms because in-store only item
Other:$50 Bonus Reward on Kodak EasyShare Z990 12 MP, 30X Optical Zoom Digital Camera (item# 23036420) $224.99, online only, limit 2, maximum $100 Bonus Reward per member. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:*Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Reward offers are available 1/22/12 thru 1/28/12. Limits may apply; see product offer for details. $41.98 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) limit 2, maximum $83.96 Bonus Reward per member. $6.98 Bonus Reward on OfficeMax 8.5x11 Multipurpose Paper, 500-Sheet Ream (item# 20157465) limit 2, maximum $13.96 Bonus Reward per member. $26.98 Bonus Reward on Avery 5160 Laser Mailing Labels, 3,000 Pack (item# 07001497) limit 1, maximum $26.98 Bonus Reward per member. $4.58 Bonus Reward on select Expo, Paper Mate, and Sharpie writing products (items# 10022664, 20909769, 20909778, 20201425, 21011405, 10014824) online only, limit 2 per item, maximum $9.16 Bonus Reward per item per member. $50 Bonus Reward on Kodak EasyShare Z990 12 MP, 30X Optical Zoom Digital Camera (item# 23036420) online only, limit 2, maximum $100 Bonus Reward per member. Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. Bonus Rewards issued are based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a MaxPerks Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/maxperksterms for full details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2012.01.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. How many rewards card can be used on a single purchase?
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
09. The offer is not advertised in my region. Is the offer valid in my region?
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
11. When will the rewards be noted on the rewards account?
12. How and when will the rewards / bonus rewards be paid out?
13. Do rewards expire?
14. Can rewards be used to purchase gift cards?
15. What is the best way to cash out the Rewards?
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**
03. Can only businesses and teachers join the MaxPerks Rewards programs?Anyone who meets the following requirements can join: "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers may sign-up for the MaxPerks Rewards for Teachers program. The main advantage of the Teachers rewards program is the higher standard rewards payout ($10 for every $75 in qualified purchases for Teachers versus $25 for every $500 in qualified purchases for Business). The main disadvantage of the Teachers rewards program is that the rewards are paid out quarterly.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?Yes, to date, with one exception.Paying for 100% back in bonus rewards, $0.01 after bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those three types of bonus rewards offers, MaxPerks rewards have "rolled".The one type of bonus rewards offer that does not roll is "Get X% Back in MaxPerks Rewards on most everything". The offers' terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back bonus rewards offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable.
---- if it's a fixed value net $0.01 after bonus rewards offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable.
---- if it's a fixed value (buy X get $Y in rewards) bonus rewards offer, then using a coupon has not impacted the rewards payout to date although the recent offer terms change suggests using a coupon may reduce the rewards payout.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $0.01 after rewards, buy X get $Y in rewards offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $0.01 after rewards, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. How many rewards card can be used on a single purchase?In-store and phone: According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. The last time I tried using more than three Rewards cards on a single transaction in-store -- admittedly this past June -- the cash register did not prevent using more than three.Online: The limit is one Rewards Card (or gift card) per transaction.
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically credit the reward. If the reward is not automatically credited, contact MaxPerks Rewards customer service to have the reward credited.
09. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised bonus rewards offers worked for them while others have reported that they have not. My experience is that bonus rewards offers are not valid out of the targeted region(s).
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
11. When will the rewards be noted on the rewards account?Please note that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
12. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to latter half of the month in the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in January will generally be paid out in February.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to latter half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in January thru March will be paid out in April.If the rewards will be paid out at a different time it will be noted in the offer's terms.
13. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
14. Can rewards be used to purchase gift cards?No. Effective July 28, 2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
15. What is the best way to cash out the Rewards?Unlike Office Depot and Staples, OfficeMax does not offer free after rebate items which leaves purchasing items that are needed or that can be flipped.
16. Does the purchase of a bonus rewards item count toward the purchase requirement for the ink/toner recycling program?Yes, as long as the purchase is otherwise a qualifying purchase, the purchase of a bonus rewards item does count toward the purchase requirement for the ink/toner recycling program at the item's purchase price net of coupons, rewards (paid on the purchase not received because of the purchase), sales tax and shipping.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, tablets, eReaders, gift cards, general use pre-paid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases made with your MaxPerks member ID the day you sign up.**Example:100% back in bonus rewards on a widget priced at $60.00. Purchase paid for with a $10 off coupon, $20 in rewards and the remainder ($30 net of sales tax) on a credit card.This purchase will earn $50 in bonus rewards ($60 - $10 coupon) and will count as $30 ($60 - $10 coupon - $20 rewards) toward the recycling program's purchase requirement.
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The bonus reward payouts are not linked in any way to standard rewards payouts. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions
DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Free NeilMed Neti Pot or Rinse Bottle
http://www.neilmed.com/usa/facebook.phpNasaFlo Neti Pot is a natural soothing saline nasal wash. Neti pots have been around for thousands of years, mainly used by yoga enthusiasts. The neti pot is an excellent way to clean mucus from the nose making medication more effective. They also clean allergens, irritants, bacteria and viruses from the nose reducing the frequency of infection. Furthermore, they help decrease swelling in the nose and increase air flow. NasaFlo Neti Pot is excellent for all agesSinus Rinse Nasal Wash is a natural soothing saline nasal wash. A large volume low positive pressure nasal wash is the most effective way to irrigate the nose based on current medical studies. Nasal Irrigation is an excellent way to clean mucus from the nose making medication more effective. They also clean allergens, irritants, bacteria and viruses from the nose reducing the frequency of infection. Furthermore, they help decrease swelling in the nose and increase air flow

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Views: 232 Replies: 0




Clarins is the leading French luxury make up and skin care brand. Since 1954, the Clarins Group has used its unrivalled expertise in the field of beauty to offer its consumers the safest, most effective products that deliver real results. Clarins products are eco friendly, green and not tested on animals. Clarins is an internationally recognized and trusted brand for over 50 years. 7.0% Cash Back Available Special Offers from Clarins:

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http://www.staples.com/Canon-P23-DH-V-Printing-Calculator/produc...
effective sunday 1/22

Sprint Changing T&C again (Feb2012) - Get out of Contract ETF free
Chance to End Your Current Sprint Contract with NO ETF. or at least get some concessions from these fools!
Sprint Discount Policy Change - February 2012 Billing cycle
In your invoice now.Log in to your account & check this month's invoice.
This notice appears bottom of your on-line invoice under the link:
Important Information Relating To Your Sprint Bill
Discount Policy Change Notice
Effective your February bill cycle, Family and Business Share monthly plan charges will be billed differently.
Discounts will only apply to the monthly recurring charge of the primary line.
Line 2 will be billed at the applicable Add-a-Phone rate and will not be discount eligible. Basically - Math:Currently:
L1 + L2 = $129.99 - 27% discount (plug yours here) = $94.89Going Forward:
L1 = $110.00 - 27% discount = $80.30
L2 = $19.99 - 0 discounts = $19.99 (same as L3-L5)
========================= $100.29 - YOUR RATES WENT UP!!!call now: *2 Cancel or 1-800-927-2199 which handles customers receiving corporate discounts on their accounts.
f1racer-sd

I know that whole life insurance (WLI) is typically a poor choice... it isn't very good or cost effective as insurance, and there are better investment options out there, as well. However, in some instances, it has its benefits (as mentioned in some college financing threads, it helps to keep from getting run through the wringer).Since I am not well versed in WLI, I would like to start discussing it here, as I am sure I am not the only one.I understand the premise, that I will pay more for this insurance and that at maturity I will get a payout, even if I survive. However, is the maturity date something that is flexible? For instance, if I am 31 now, and I want to reach maturity when I am 42, can that be worked out?Also, how does one determine if they are getting a good WLI rate or not? Since this is very different from term life insurance (TLI)? Also, since it is also an investment vehicle, where can folks look to find the best returns on these vehicles?Thanks, and let's please keep it a flame free zone. If you disagree about it being a viable option, perhaps you can ask questions of folks that utilize them and find out when it is a good option. Thanks again!

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3-Year Limited WarrantyNormally $139.99, now $119.99 after $20 mail-in rebate (exp. 1/31) and free shipping. 4/5 eggs based on 214 buyer reviews. (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)

I did a quick search and didn't see anything obvious, and I saw the thread on automobile purchases, so I thought I'd throw this out there. I have a need to purchase about $2500 worth of Apple hardware (MacBook, Mac Mini, iPad, and some accessory bits) in the next couple months (waiting on a possible hardware refresh for some lines) and was wondering if someone had figured out a good FW way to obtain said equipment. My first thought is to purchase via Amazon.com, and to set the purchase up with GCs purchased using AMEX Blue Cash Preferred (essentially, 6% off) at the local grocery store. I don't have any Chase cards with Ultimate Rewards, and it's not currently the department store category quarter, or I would consider going to Kohls for BestBuy GCs (10% off due to 5% in dept. stores (but only up to $1500) and 5% more in Ultimate Rewards, effectively 8.4% if there isn't a cap on UR), then buying Amazon Kindle GCs and purchasing from Amazon.I can get Apple Educator pricing, but that seems to be about even with the Amazon pricing, and smaller Cash Back options plus sales tax generally make that a less favorable option.

0 Posted By: FatWallette
Views: 62 Replies: 0




Clarins is the leading French luxury make up and skin care brand. Since 1954, the Clarins Group has used its unrivalled expertise in the field of beauty to offer its consumers the safest, most effective products that deliver real results. Clarins products are eco friendly, green and not tested on animals. Clarins is an internationally recognized and trusted brand for over 50 years. 7.0% Cash Back Available Special Offers from Clarins:

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Since 1910, Botanic Choice has provided customers with high-quality herbs, homeopathic remedies, nutritional supplements, vitamins and medicinal teas. Find natural health support for weight loss, vision, blood sugar, heart health, blood pressure, cholesterol, joint health and more. All product are guaranteed 100% for quality, potency and effectiveness or your money back. 10.0% Cash Back Available

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Since 1910, Botanic Choice has provided customers with high-quality herbs, homeopathic remedies, nutritional supplements, vitamins and medicinal teas. Find natural health support for weight loss, vision, blood sugar, heart health, blood pressure, cholesterol, joint health and more. All product are guaranteed 100% for quality, potency and effectiveness or your money back. 10.0% Cash Back Available

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http://www.amazon.com/s/ref=sr_nr_n_14?rh=n%3A133140011%2Ck%3Afr...Some of the titles:The Complete Idiots Guide to LinkedIn MarketingUp, Down, or SidewaysHow To Get Things Done: Lessons In Living To Your Maximum Productivity Potential (Effective Ways To Get Things Done)The Myth of the Garage Club College: Why So Many Universities Look Like Resorts The Ultimate Investment, Achieving Life's Highest Returns, An Allegory ($0.99 now)How to Save More Money: 349 Tips to Help You Keep Your Hard Earned Cash How To Make Lots Of Money Doing What You Love (Effective Ways To Make Lots Of Money Doing What You Love) The Budget of Your Life: Breaking the Chains of Debt HOW TO START A VENDING BUSINESSBit Literacy: Productivity in the Age of Information and E-mail Overload (132 reviews)and many many more

I had this on my wish list when the price was lowered from 9.99 to 3.99. I just checked today and its $0.00. No risk, all I had to lose was some pounds. eBook looks good to me... "Even in times as tough as these, you can still shape up like a celebrity, and you can do it without having to earn a celebrity paycheck. With over twenty years of experience in the field of fitness, Cornel Chin has used his unique training methods to train the likes of Leonardo DiCaprio, Colin Firth, Audrey Tautou, and Tilda Swinton. Now, with this book, he unlocks the keys to low-cost or no-cost exercise solutions.As a gym member, youll spend an average of 3% of your annual salary on the cost of your yearly membership. For many people, this is a high cost that can no longer be afforded or justified. With this book, you can still achieve that drop dead gorgeous celebrity body youve always admired and desired without having to break the bank. "Cornel gave me the lean look I needed. His training methods are second to none. --Leonardo DiCaprioI was no great fan of exercise until I met Cornel. He has given me a way of working out that is enjoyable, sustainable and effective. I'm enormously grateful to him for converting me. --Colin FirthHere is the link: http://www.amazon.com/Cost-Fitness-Routines-Celebrity-ebook/dp/B...

http://www.ebay.com/itm/Sony-Cyber-shot-S3000-10-1-Mega-Pixel-S-... 

LensOptical Zoom4x
Precision Digital ZoomApprox.8x (Total)
Smart Zoomup to 22x (with VGA)
F3.0-5.7
Focal Length (f= mm)4.0-16.0
Focal Length (f=35mm conversion)28-112
Macro (cm)iAuto(W:Approx.5cm(0.16") to Infinity, T:Approx.50cm(1.64") to Infinity)
Filter Diameter (mm)NO
Conversion Lens compatibilityNO
Carl Zeiss Vario-Tessar LensNO
Sony GNO
Image SensoryCCD TypeSuper HAD CCD
Size (Inches)1/2.9 type(6.14mm)
CameraEffective Pixels (Mega Pixels)Approx. 10.1 Megapixels
Bionz ProcessorNO
Face DetectionYES
Smile ShutterYES
Sweep PanoramaYES
Intelligent Sweep PanoramaNO
Underwater Sweep PanoramaNO
3D Sweep PanoramaNO
Clear RAW NRNO
Auto Focus Area (Multi Point)9 points (Under Face Undetected)
Auto Focus Area (Centre weighted)YES
Auto Focus Area (Spot)NO
Auto Focus Area (Flexible Spot)NO
Manual FocusNO
Aperture Auto ModeYES
Aperture Priority ModeNO
Aperture Manual ModeNO
Shutter Speed Auto Mode (sec)iAuto(1/4- 1/2,000) / Program Auto(2" - 1/2,000)
NR Slow ShutterNO
Hand Shake AlertYES
Exposure Control 2.0EV, 1/3EV step
White BalanceAuto (intelligent), Daylight, Cloudy, Fluorescent1, Fluorescent2, Fluorescent3, Incandescent, Flash
Automatic White BalanceYES
Light Metering (Multi Pattern)YES
Light Metering (Centre weighted)YES
Light Metering (Spot)YES
Sharpness SettingNO
Saturation SettingNO
Contrast SettingNO
ISO Sensitivity (REI)YES (Auto / 100 / 200 / 400 / 800 / 1600 / 3200)
Scene Selection4 modes (Twilight / Twilight Portrait / Backlight / Backlight Portrait) / Landscape / Macro / Portrait
AF IlluminatorNO
SteadyShotSteadyShot capabilityYES
Built-in FlashFlash ModeAuto / Flash On / Slow Synchro / Flash Off
Pre-flashYES
Red-Eye CorrectionAuto / On / Off
Auto Daylight Synchronized FlashYES
Distance limitations using Flash (m)ISO Auto: Approx.0.5 - Approx.3.0m(Approx.1.64'-Approx.9.84')(W) / Approx.0.5 - Approx.1.5 m(Approx.1.64'-Approx.4.92')(T), ISO3200: up to Approx.6.0 m(Approx.19.7')(W) / Approx.3.0 m(Approx.9.84')(T)
LCD / ViewfinderLCD Screen Size (inches)6.7cm (2.7type)
LCD Total Dots Number230.400
Monitor TypeTFT
Auto Bright MonitoringNO
Optical ViewfinderNO
Electrical ViewfinderNO
RecordingRecording MediaMemory Stick Duo. Memory Stick PRO Duo. Memory Stick PRO Duo High Speed (Still only and no Speed Advantage), Memory Stick PRO-HG Duo (No Speed Advantage)
Recording Media IISD Memory Card(Class2 or Higher for movie), SDHC Memory Card(Class2 or Higher for movie)
Recording FormatJPEG
DCF (Design rule for Camera File System)YES
DPOF (Digital Print Order Format)YES
Burst Mode (shots)Approx0.68 fps(100 shots)
Burst Interval (approximately sec)Approx.1.47 sec.(100 shots)
Still Image size (16M 4608 x 3456)NO
Still Image size (14M 4320 x 3240)NO
Still Image size (13M 4224 x 3168)NO
Still Image size (12M 4000 x 3000)NO
Still Image size (10M 3648 x 2736)YES
Still Image size (9.0M, 3456 x 2592)NO
Still Image size (8.0M, 3264 x 2448)NO
Still Image size (7.2M 3072 x 2304)NO
Still Image size (5.0M, 2592 x 1944)YES
Still Image size (3.1M, 2048 x 1536)NO
Still Image size (VGA, 640 x 480)YES
Still Image size (16:9 mode, 1920 x 1080)NO
Still Image size (16:9 mode, 4,320 x 2,432)NO
Still Image size (16:9 mode, 4000 x 2248)NO
Still Image size (3:2 mode, 4000 x 2672)NO
Still Image size (3:2 mode 3648 x 2432)NO
Still Image size (3:2 mode 3456 x 2304)NO
2D Panorama7,152 x 1,080(217deg) / 4,912 x 1,080(149deg) / 4,912 x 1,920(155deg) / 3,424 x 1,920(108deg)
3D PanoramaNO
Moving Image Size (1280x720 30fps Fine Approx.9Mbps)NO
Moving Image Size (1280x720 30fps Standard Approx.6Mbps)NO
Moving Image Size (640x480 30fps Approx.3Mbps)NO
Moving Image Size (320x240 30fps)NO
Moving Image Size (AVCHD 1920 x 1080(50i, Interlace) Approx.24Mbps(Average bit-rate))NO
Moving Image Size (AVCHD 1920 x 1080(50i, Interlace) Approx.17Mbps(Average bit-rate))NO
Moving Image Size (AVCHD 1440 x 1080(50i, Interlace) Approx.9Mbps(Average bit-rate))NO
Moving Image Size (MP4/AVI 1440 x 1080 Approx.25fps Progressive) Approx.12Mbps(Average bit-rate))NO
Moving Image Size (MP4/AVI 1280 x 720 Approx.25fps Progressive) Approx.6Mbps(Average bit-rate))NO
Moving Image Size (MP4/AVI 640 x 480 Approx.25fps Progressive) Approx.3Mbps(Average bit-rate))NO
Playback / EditHD (High Definition) PlaybackUnder 10M(3,648 x 2,736)
Slideshow PlaybackYES
Slideshow with MusicNO
Slideshow MovieNO
TrimmingYES
Playback ZoomYES (8x)
Cue & Review (MPEG)YES
Index Playback16 / 25 images (Folder)
Image RotationYES
Auto Image RotationYES
Auto grouping and & Best Picture RecognitionNO
GeneralBattery Remaining IndicatorYES
Histogram IndicatorNO
Exposure Warning IndicatorYES
Disk / Memory Stick remaining indicatorYES
PTP (Picture Transfer Protocol)NO
Print Image MatchingYES
PictBridgeNO
Shop Front ModeNO
Start up time (approximately sec)NO
Menu LanguageEnglish, French, German, Spanish, Italian, Portuguese, Dutch, Swedish, Norwegian, Danish, Finnish, Polish, Czech, Hungarian , Turkish, Greek, Bulgarian, Croatian, Romanian
JacksMulti use Terminal with HDAV(SD) / USB
Multi use TerminalNO
AV OutNO
USB 2.0 Hi-SpeedYES
Power/ OthersBattery SystemAA
Supplied BatteryAA
Stamina (battery life) with the supplied battery(s) in normal shooting condition200 shots, 100min (CIPA standard with LCD screen on)
Battery for ClockManganese-Lithium (MS614SE)
Weight (g)Approx. 119g (4.2oz.)
Weight with Accessories (g)Approx. 167g (5.9oz.)
Supplied SoftwareAA Battery (2), USB Cable, Wrist strap, CD-ROM
Supplied AccessoriesUSB Cable, Wrist strap, CD-ROM
DimensionsWidth (mm)99.0
Height (mm)61.0
Depth (mm)29.3

ZarBee's Cough Syrup was developed by Dr. Zak Zarbock in 2008. As a practicing pediatrician, Dr. Z noticed parents were confused about which cough medicines to give to their children. Dr. Z only used proven, all-natural ingredients when formulating ZarBee's and it has paid off. Parents want a simple ingredient list wit...h ingredients they know work. More pharmacies and pediatricians are now recommending ZarBee's to their patients and retailers are adding ZarBee's to their cough and cold aisles. Dr. Z's vision of offering parents the safer, more effective cough syrup is becoming a reality as parents and professionals are discovering the difference between ZarBee's and the other cough syrups out there. ZarBee's is or will be sold in the following retailers: Walgreen's SuperValu Store Jewel-Osco Wegman's Food City Harmon's Macey's HEB meijer Bartell Drug Dan's Food Winn Dixie Albertsons LLC Save Mart Markets And Many Independent Pharmacies Nationwide Many more to come!!!
http://www.facebook.com/Zarbees?sk=app_357260710956336
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'Bee' sure to confirm...

OfficeMax $0.01 after rewards on select case paper, storage boxes, Avery binders and (IN)PLACE filing items 01/15-01/21
From the Weekly Ad page, see "Next Week's Ad". Front page for items. Page 11 for terms. Appears to be valid in-store, online and via phone.More information to follow.
January 15, 2012 thru January 21, 2012:Boise X-9 Multiuse Paper, 10 ream case [2140-3152] $41.99 - $41.98 in rewards = $0.01 after rewards, limit 2OfficeMax Storage Boxes, 10 pack [2015-1540] $15.99 - $15.98 in rewards = $0.01 after rewards, limit 2(IN)PLACE Heavy-Duty View Binders [all]:
--- for example, 1" Heavy Duty View binder [2193-4524] $7.49 - $7.48 in rewards = $0.01 after rewards, limit 4(IN)PLACE Filing supplies [select]:
--- for example, Monthly Expanding File [2168-6178] $16.99 - $16.98 in rewards = $0.01 after rewards, limit 2
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:TO FOLLOW
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2012.01.05):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. How many rewards card can be used on a single purchase?
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
09. The offer is not advertised in my region. Is the offer valid in my region?
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
11. When will the rewards be noted on the rewards account?
12. How and when will the rewards / bonus rewards be paid out?
13. Do rewards expire?
14. Can rewards be used to purchase gift cards?
15. What is the best way to cash out the Rewards?
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one type of bonus rewards offer that does not roll is "Get X% Back in MaxPerks Rewards" on most everything and the offers' terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. How many rewards card can be used on a single purchase?In-store and phone: According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. The last time I tried using more than three Rewards cards on a single transaction in-store -- admittedly this past June -- the cash register did not prevent using more than three.Online: The limit is one Rewards Card (or gift card) per transaction.
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
09. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
11. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
12. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
13. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
14. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
15. What is the best way to cash out the Rewards?Unlike Office Depot and Staples, OfficeMax does not offer free after rebate items which leaves purchasing items that are needed or that can be flipped.
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, tablets, eReaders, gift cards, general use pre-paid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases made with your MaxPerks member ID the day you sign up.**Using coupons does reduce the qualifying purchase amount.
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions
DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Link
Shoei RF-1000 Cutlass Helmets are a super buy every day, but at closeout pricing they are a steal! Shoei RF-1000 Helmets are aerodynamically engineered in a wind tunnel to assure advanced comfort on the road. Shoei Cutlass RF-1000 Helmets have an aero-stabilizer to reduce buffeting and reduce drag on the helmet, which lessens neck strain on the wearer. Shoei RF-1000 Cutlass Helmets have a superior liner system and an excellent ventilation set-up that makes for a more comfortable ride. For an all around great helmet at RIDICULOUS pricing, grab a Shoei RF-1000 Cutlass Helmet on closeout. Aerodynamic Shell Design
Aerodynamic properties are maximized through extensive wind tunnel and rider testing

The Aero Stabilizer dramatically reduces drag and lift coefficients, thus diminishing rider fatigue and increasing performance

Two-Layer EPS Liner System Two-layer liner offers unmatched ventilation with internal channels and exhaust ports throughout the helmet

Integrated Upper Air Intake minimizes air turbulence and maximizes air stream in all riding positions

Outlet holes in the Aero Stabilizer allow warm air to be exhausted The lower air intake provides an additional source of air flow The neck outlet vent allows for effective air exhaust Lightweight, Advanced Integrated Matrix Plus (AIM) High performance fiber materials are combined with extremely elastic organic fibers to create a shell structure that is ultra lightweight, rigid and resilient Anti-Fog System

The lower air intake provides air flow that helps to diminish shield fog 3D Interior Liner Removable interior cheek pads available in optional sizes for a custom fit Chin strap cover can easily be removed to allow for cleaning or replacement CX-1 V Shield and Lock System Q.R.B.P. (Quick -Release Base Plate) allows tool-less shield removal A wide, 3-dimensionally curved shield offers increased peripheral vision and optical clarity

Scratch-resistant coating 100% protection form harmful UV A&B rays A pre-set lever can easily lock the shield in place to prevent it from opening unexpectedly

TECHNICAL INFORMATION Standards: DOT 218, Snell-M2000 Construction: AIM (Advanced Integrated Matrix Plus) materials Weight: 3.24 lbs /1470 grams (approx.)

Effective March 3rd they are changing to some new BP Pump Rewards.What their colorful new mailer claiming "exciting new ways to earn and redeem" means is they are lowering their 5% rebate at BP stations down to 3%.

Link
From the website:
"All Frontline Plus and Top Spot products are on Sale up to 35% off!. It's never off season for fleas to attack your pet. Fleas and ticks can silently invite themselves onto your pet and into your home. These pests then harm your pet and make your home less comfortable. This is the best season to fight back against fleas and ticks.
Use code: EXTRA10 at checkout to receive up to 35% off Frontline products.
*Offer expires 1/11/12Frontline is #1 veterinarian recommended flea and tick product. Approved for use on puppies and kittens 8 weeks of age and older and on breeding, pregnant or lactating cats and dogs. The Waterproof formula is effective even after swimming, bathing and grooming. FRONTLINE Plus breaks the flea life cycle and kills ticks." Frontline Plus 3-Pack
Size Reg Price Now You Save
0 to 22 lbs $43.99 $29.91 $14.08
3 to 44 lbs $44.99 $30.77 $14.22
45 to 88 lbs $48.99 $32.48 $16.51
89 to 132 lbs $49.99 $33.36 $16.63
Frontline Plus 6-Pack
Size Regular Price Now You Save
0 to 22 lbs $81.99 $57.27 $24.72
23 to 44 lbs $83.99 $58.98 $25.01
45 to 88 lbs $88.99 $60.69 $28.30
89 to 132 lbs $91.99 $62.40 $29.59
Frontline Plus 12-Pack
Size Regular Price You Save
0 to 22 lbs $156.99 $112.50 $44.49 Buy Now
23 to 44 lbs $161.99 $116.27 $45.72 Buy Now
45 to 88 lbs $172.99 $118.83 $54.16 Buy Now
89 to 132 lbs $176.99 $122.25 $54.74 Buy Now

Sail date: April 15-28, 2012
Base price is $429pp.Inside cabin GTY rate. Best deal found was Expedia is still offering $150 per cabin on-board credit.
Total with all tax for two is $1055 minus the $150 credit (ON-BOARD) is effectively paying $905 or $35 per day per person.
You can possibly sweeten the deal further: $25 additional on-board credit from NCL for past guests. YMMV.
Also If you apply for and get the NCL Credit card after first purchase you earn $150 credit toward the cruise.
Bottom line with ALL the YMMV stuff you could pay $730 including taxes or $28 per day per person.
Don't forget once on-board you will still owe $12 per day per person for tips and booze ain't free!
Worst part is one-way from Barcelona to home. Unless you've got miles to spend.
Continental had award flights one-way for 30k miles.
As stated very YMMV.

Possibly only the e-Savings account, but I didn't see any threads mentioning BB&T, so just in case people like paper statements (like me) and don't want the $3 fee. I did not see this mentioned, so I apologize if this is a repostThe statement had the following:"Effective February 12, 2012, a chance will occur to your BB&T e-Savings account. Your account will be assessed a $3.00 Paper Statement Fee per statement cycle that you receive a paper statement.
To avoid the Paper Statement Fee, simply enroll in online-only statement."I don't know if the fee is waived if the account is linked to a checking. I could not find anything mentioned online regarding this yet. (Student checking also has the $3 fee, but none of the others yet...)I hope this might help save a BB&T customer from the $3 fee. Thank you for reading

$434 EOS Rebel T3 18-55IS 12.2 Megapixel Digital SLR Camera Kmart.com TextOnline Only! Free Standard Shipping on DSLR cameras Sold by Kmart. Discount seen in cart Offer ends 31-Jul-2012 See details.
Extra $100 off! Buy Canon EOS Rebel T3 18-55IS SLR Camera and Canon Lens EF75-300mm. See Details. Offer ends 07-Jan-2012Extra $100 off! Buy Canon EOS Rebel T3 18-55IS SLR Camera and Canon Lens EF75-300mm. See Details. Offer ends 07-Jan-2012. Hide Details Sold by Kmart. Discount applied in cart. Buy Camera (020W032973220001P)and Lens (020W965176110001P) must be purchased together in order for savings to be applied. Final price for both items in cart will reflect $649.98. Internationally Shipped Orders are excluded. Offer good through 07-Jan-2012 http://www.kmart.com
Product Description Canon EOS Rebel T3 - Digital camera - SLR - 12.2 Mpix - 3 x optical zoom Canon EF-S 18-55mm IS II lens - black
Perfect for photographers ready to make the move to digital SLR photography, the EOS Rebel T3 delivers beautiful photos and video, speed, simplicity and fun. It features a 12.2 Megapixel CMOS Image Sensor and Canon DIGIC 4 Image Processor for richly detailed images and quick camera response. It has Canon's amazing 63-zone, Dual-layer metering for accurate exposures and features Canon's Basic+ function, HD video recording and Live View shooting, plus a convenient in-camera Feature Guide. The EOS Rebel T3 is as beautiful as the pictures it takes.
Technology for outstanding images
Canon's CMOS (Complementary Metal Oxide Semiconductor) sensor captures images with exceptional clarity and tonal range, and offers the most pixels in its class. It offers many of the same technologies to maximize each pixel's light gathering efficiency that were first seen with the professional EOS-1D Mark III model. It's an APS-C size sensor (22.2 x 14.8mm), and there's an effective 1.6x increase in the lens's marked focal length when attached.
DIGIC 4 image processor
The improved DIGIC 4 Image Processor ensures that images are captured, processed and saved with remarkable speed. The EOS Rebel T3 DSLR's 3:2 multiple aspect ratio, in-camera RAW image processing, creative filters, image resizing and provided S2 and S3 image-recording quality are all possible thanks to the DIGIC 4 Image Processor. With dazzling results, the DIGIC 4 Image Processor also works to capture and process data of images shot at 12.2 Megapixels at 3.0 fps, as well as 14-bit signal processing for excellent image gradation, enhanced Face Detection Live mode, Full HD video recording, Auto Lighting Optimizer and Lens Peripheral Optimization.Specifications & Dimensions  General: Auto Focus:TTL phase detection  Auto Focus Points (Zones) Qty:9  Digital Video Format:H.264, MOV  Effective Sensor Resolution:12,200,000 pixels  Enclosure Color:Black  Field of View Crop Factor:1.6  Image Processor:DIGIC 4  Image Recording Format:JPEG, RAW, RAW + JPEG  Image Stabilizer:Optical  Max Video Resolution:1280 x 720  Optical Sensor Size:14.7 x 22mm  Optical Sensor Type:CMOS  Product Type:Digital camera - SLR with Live View mode, movie recording  Sensor Resolution:12.2 Megapixel  Total Pixels:12,600,000 pixels  Exposure & White Balance: Exposure Metering:Evaluative, partial (10%), center-weighted  Exposure Metering Zones:63  Exposure Modes:Program, depth-of-field, bulb, automatic, manual, aperture-priority, shutter-priority  Exposure Range:EV 0-20 ( ISO 100 )  Light Sensitivity:ISO 100-6400, ISO auto (100-6400)  Max Shutter Speed:1/4000 sec  Min Shutter Speed:30 sec  Special Effects:Neutral, Faithful, Monochrome, Landscape, Portrait  White Balance:Custom, automatic, presets  White Balance Bracketing:Yes  White Balance Presets:Fluorescent, cloudy, tungsten light, flash, daylight, shade  X-sync Speed:1/200 sec  Dimensions: Depth (in.):3-1/10 in.  Product Overview: Color:Black  Features:Burst capability  LCD Screen Size:2.7 to 2.9 in.  Megapixels:12 to 13.9 megapixels  Weight:16 to 19.9 oz.  Lens System: Features:Aspherical lens  Filter Size:58 mm  Focal Length Equivalent to 35mm Camera:29 - 88mm  Focus Adjustment:Automatic, manual  Lens Construction:9 groups / 11 elements  Lens System Mounting:Canon EF  Max View Angle:74.3 degrees  Min Focus Range:9.8 in  Type:3 x zoom lens - 18 - 55 mm - f/3.5-5.6 II Canon EF-S  Zoom Adjustment:Manual  Microphone: Microphone Operation Mode:Mono  Camera Flash: Camera Flash:Pop-up flash  Features:AF illuminator, flash +/- compensation  Flash Modes:Fill-in mode, rear curtain sync, auto mode, flash OFF mode, red-eye reduction  Guide Number (m / ISO 100):9.2  Additional Features: Additional Features:Direct print, USB 2.0 compatibility, RGB primary color filter, auto power save, digital noise reduction, DPOF support, display brightness control, depth-of-field preview button, PictBridge support, histogram display, AE lock, AF lock, FE lock, 720p HD  Continuous Shooting Speed:2 frames per second, 3 frames per second, 0.8 frames per second  Flash Terminal:Hot shoe  Self Timer Delay:10 sec, 2 sec  Viewfinder: Dioptric Correction Range:-2.5 to +0.5  Field Coverage:95%  Magnification:0.8x  Viewfinder Frames:Autofocus frame  Viewfinder Information:Shutter speed, exposure compensation, AE lock, AF-in-focus, flash charge completion, red-eye reduction , aperture, white balance, high-speed sync indicator, flash compensation on/off, highlight tone priority, ISO sensitivity, memory card status  Viewfinder Type:Optical - eye-level mirror pentaprism  Display: Display Features:Built-in  Resolution:230,000 pixels  Type:2.7" LCD display  Connections: Connector Type:1 x Hi-Speed USB
1 x HDMI output
1 x remote control  Software: Software:Drivers & Utilities  System Requirements for PC Connection: Peripheral Devices:USB port, CD-ROM drive  Miscellaneous: Compatible with Windows 7:"Compatible with Windows 7" software and devices carry Microsofts assurance that these products have passed tests for compatibility and reliability with 32-bit and 64-bit Windows 7.  Included Accessories:Dust cap, body cap, lens cap, neck strap, eyecup  Battery: Battery Type:Canon LP-E10  Details:1 x Li-ion rechargeable battery ( included )  Memory / Storage: Image Storage:RAW 4272 x 2848
JPEG 4272 x 2848
JPEG 3088 x 2056
JPEG 2256 x 1504
JPEG 1920 x 1280
JPEG 720 x 480  Supported Memory Cards:SD Memory Card, SDXC Memory Card, SDHC Memory Card  Video Capture:MOV - 1280 x 720 - 30 fps
MOV - 1280 x 720 - 25 fps  Dimensions & Weight: Depth:3.1 in  Height:3.9 in  Weight:17.5 oz  Width:5.1 in  Digital Features: Movie Capability:Yes  Focus, Framing & Exposure: Preview LCD Monitor Size:2-7/10 in.  Flash Enhancements: Red Eye Reduction:Yes

Direct TV removed some channels from my service. They sent a letter with an apology and an offer to reduce the monthly price by a few dollars. Those channels are the biggest reason i subscribed to them and there is no sense for me to continue. Upon calling to request cancellation they are refusing to do that without paying a huge fees. Can someone offer any suggestions.
I am thinking of writing to the BBB but they already have a horrible reputation there. Below is the clause in their customer agreement that says that they have the right to change any program and still charge a cancellation fees. Isnt this illegal by itself.....(d) Our Programming Changes. Many factors affect the availability, cost and quality of programming and may influence the decision to raise prices and the amount of any increase. These include, among others, programming and other costs, consumer demand, market and shareholder expectations, and changing business conditions. Accordingly, we must reserve the unrestricted right to change, rearrange, add or delete our programming packages, the selections in those packages, our prices, and any other Service we offer, at any time. We will endeavor to notify you of any change that is within our reasonable control and its effective date. In most cases this notice will be about one month in advance. You always have the right to cancel your Service, in whole or in part, if you do not accept the change (see Section 5). If you cancel your Service, a deactivation fee (described in Sections 2 & 5(b)) or other charges may apply. Credits, if any, to your account will be posted as described in Section 5. If you do not cancel, your continued receipt of our Service will constitute acceptance.

To not hijack another thread about doctors going broke, I responsed to a post about a distrust of government solutions to financing health care, health care system options, and thoughts about what's being currently discussed in the media...PennState95 said:   Fix the damn system....universal healthcare ISN'T the answer. When has the government done ANYTHING right? We all know the insurance and pharmaceutical industries feed the politicians' campaigns coffers, so don't hold your breath that it will get fixed anytime soon.You want the system fixed, but don't trust the government to do it -- so who then? That is the purpose of government, to take competing interests and come up with a system that's tries to be fair to everyone. Since the insurance and pharmaceutical lobbyists have their say on Capital Hill, and your voice and people like you are against all solutions, effectively your interests are out of the equation.We are being manipulated by advertisements being financed by the same insurance and pharmaceutical industries aimed at making us angry and untrusting of universal coverage and socialized medicine, leaving those industries in control and highly profitable. We have socilaized military, education, police, firefighters, health inspections, pollution control, and public transportation, all being managed by the government with tax dollars, and yet you don't want socialized medicine, a single payer system, or even universal coverage, like they have in all other industrialized countries. We are often told how unhappy patients are in those other countries, and yet when asked, they are very satisifed, and definely don't have the financial problems that you and most others suffer with. Sure, nothing is ever perfect in a human world, but we only hear about exaggerated claims and false issues, while facts are pushed aside.We have media successfully convincing us to lobby against our own interests and settle for much less so others can have much more. Everyone who was against health care reform or allowed the loss of the cost controlling governement regulated single payer option as an alternative to private insurance put us in this mess. We needed this option to keep the private payer profits under control and as a insurer of last resort. States have been regulating similar options in property and auto insurance, such as the state run Citizens Property Insurance of Florida or New York State Automobile Assigned Risk Pool, which acts as a ceiling to high rates for those that might otherwise be uninsurable.As for universal coverage, this nonsense about being required to have health insurance is somehow socialized is just plain false. The US has been one of the only industrialized countries not to recognize the right to health care. You have a car, you have insurance to cover accidents and damage. You have a body, you need insurance to cover the same. Otherwise the system will go broke paying for those who show up at a hospital without any coverage and are then covered by our tax dollars. A well-regulated universal health coverage system would be a more efficient use of our limited health resourses, and much better than what we have now...Edit: fixed topic and updated post to better reflect the issues involved and remove the politics...

Posted this in the I-bonds : 3.06% for 6 months if you buy Nov 1 - Apr 30 thread, but thought people may not see it there.Found this on Bogleheads:Treasury Department Sets Online Savings Bond Annual Purchase Limit at $10,000 per Series
FOR RELEASE AT 10:00 AM
January 4, 2012The annual purchase limit for online United States Savings Bonds is $10,000 per series, effective January 4, 2012, the Department of the Treasury announced today. The new limit applies to Series EE and Series I savings bonds purchased through TreasuryDirect at http://www.treasurydirect.gov. Under the new rules, an individual can buy a maximum of $10,000 worth of electronic savings bonds of each series in a single calendar year, or a total of $20,000.Since 2008, investors could buy a maximum of $5,000 in each series and in each form (paper or electronic). So a single owner could buy $20,000 in one year. As of January 1, 2012, paper bonds are no longer being sold through financial institutions. With today's announcement, the total amount an individual can purchase in online savings bonds in one calendar year is $20,000. An investor still can purchase up to $5,000 annually in Series I paper savings bonds using his/her tax refund and IRS Form 8888.Savings bond purchases have been subject to an annual limit since Series E Bonds were first issued in 1941. Over the years, limits have been adjusted by the Treasury Department several times and have ranged from a low of $3,750 for Series E bonds from 1941 through 1947 to the $30,000 limit for both Series EE and Series I bonds from 2003 through 2007.For more information about savings bonds, visit http://www.treasurydirect.gov.

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149.99 ar free shipping
make new account save another 10 dollars with "newcustomer10"
bringing it to 139.99 for a sweet card
InterfaceInterface
PCI Express 2.0 x16ChipsetChipset Manufacturer
NVIDIAGPU
GeForce GTX 550 Ti (Fermi)Core Clock
900MHzShader Clock
1800MHzStream Processors
192 Processor CoresMemoryEffective Memory Clock
4008MHzMemory Size
2GBMemory Interface
192-bitMemory Type
GDDR53D APIDirectX
DirectX 11OpenGL
OpenGL 4.1PortsHDMI
1 x mini HDMIDVI
2 x DVI

I recently opened 3 Chase Credit Cards (freedom, sapphire and ink bold), a personal and business checking. About a week after opening the the business checking account i tried to make a deposit in the branch but was told the account was restricted and was going to be closed. The branch couldn't give me a reason for the closure but said i should call the number on the back of the card. Upon calling the phone rep. called the back office which said it was due to 5 chase charge offs in 2008. I responded that that was totally untrue and i regularly monitor my credit reports and have never seen these supposed charge offs. (i did have about 5 cards closed in 2008 but i thought it was due to churning, i never even had a late payment) Their response was that i should bring a copy of my credit report into the branch and have the manager fax it into them. I did that and we initiated a dispute. I received a response that these accounts were no longer in their system and they were instructing the credit bureaus to delete these accounts. In the meantime i received a letter that my personal account was being closed. Upon calling i was told that they cannot tell me the reason but they are reserving the right to close the account for no reason. The branch manager contacted the rep. in compliance who closed my personal acct who said it was closed due to the business acct being closed and if that acct was reopened she would reopen the personal as well. The branch manager than faxed my dispute resolution back to the new accts department who responded that the letter was insufficient and a more specific letter stating that i never had the charge offs was needed. He tried for about 40 minutes speaking to 5 different reps none of who were the right depmnt to issue this letter. Exasperated he said he'll work on it further. I than contacted chase executive office and told them the story, they called back a couple days later that she can't give me reasons but the account was going to be closed. The next day my credit cards and my wifes credit card (she was joint on the personal checking) were closed for some bs reasons such as insufficient bank card history. I called the executive office again to try to explain that i knew all this was happening due to a inaccurate report of charge offs but nothing doing but she is trying to issue me a check for my points. I have never dealt with such an ineffective bureaucracy. I am not desperate to bank with chase i just liked their ultimate rewards program, but i'm concerned now that these closed accts will have an adverse effect on my credit.

OfficeMax.com 100% back in rewards on select backpacks, messengers, and brief cases 01/01-01/07
MaxPerks Rewards offers for the week: LINK.
January 01, 2012 thru January 07, 2012:
100% Bonus Reward on select backpacks, messengers and brief cases (items# 23104374, 23075226, 23236455, 23236561, 23236598) online only, limit 2 per item per member. LINK
$32 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) $41.99, limit 2, maximum $64 Bonus Rewards per member. LINK
--- $9.99 after rewards$4.99 Bonus Reward on OfficeMax 8.5x11 All-in-One Paper, 500-Sheet Ream (item# 20910971) $6.99, limit 2, maximum $9.98 Bonus Rewards per member. LINK
--- $2.00 after rewards
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Reward offers are available 1/1/12 thru 1/7/12. Limits may apply; see product offer for details. $32 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Rewards per member. $4.99 Bonus Reward on OfficeMax 8.5x11 All-in-One Paper, 500-Sheet Ream (item# 20910971) limit 2, maximum $9.98 Bonus Rewards per member. 100% Bonus Reward on select backpacks, messengers and brief cases (items# 23104374, 23075226, 23236455, 23236561, 23236598) online only, limit 2 per item per member. Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a MaxPerks Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/maxperksterms for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 1/7/2012 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general-use prepaid cards, phone cards, Sprint service plans, purchases with a Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.12.31):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. How many rewards card can be used on a single purchase?
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
09. The offer is not advertised in my region. Is the offer valid in my region?
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
11. When will the rewards be noted on the rewards account?
12. How and when will the rewards / bonus rewards be paid out?
13. Do rewards expire?
14. Can rewards be used to purchase gift cards?
15. What is the best way to cash out the Rewards?
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. How many rewards card can be used on a single purchase?In-store and phone: According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. The last time I tried using more than three Rewards cards on a single transaction in-store -- admittedly this past June -- the cash register did not prevent using more than three.Online: The limit is one Rewards Card (or gift card) per transaction.
08. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
09. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
10. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
11. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
12. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
13. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
14. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
15. What is the best way to cash out the Rewards?Unlike Office Depot and Staples, OfficeMax does not offer free after rebate items which leaves purchasing items that are needed or that can be flipped.
16. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
17. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions
DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

High level background to quell possible discussion that borrowing money is a bad idea regardless of interest rate.Freakish luck, this year I stumbled across a consulting venture that lead to making 50% of my primary income for 20% of my time. Combined with my spouse's income and recent raises, I had to check my figures 4X before reality set in. The taxable consequences actually made me quite panicky. And honestly the increase in income has made me more miserable as the tradeoff is time. To make the operation more efficient and effective, and to take advantage of capital expenditure write offs (equipment, office, furniture, etc) I spent a good amount of money just this past week to meet the 2011 deadline. We like to have at least 6 months income liquid, and the expenditures along with other income producing opportunities will pretty much wipe out our cash for Q1, but we will get it back and then some as the year progresses. I was considering some sort of balance transfer/advance strategy but found it too expensive.While at the Credit Union the other day, having a notary stamp (free) a few business documents I noticed they sold Gap Insurance ($285). I thought it was only for leased cars, but you can buy it for cars that are financed. That lead to a chat about interest rates, 3.99% over 24 months. My paid off 2002 car with 109,000 miles (European brand, ///M, for those in the know), qualified for a shocking $19,000!!! The CU didn't blink an eye when I asked if I could use the money for other purposes such as a cash reserve.Thinking this was a fluke, I called my other CU and they had a similar program, made their own appraisal and came up with the same dollar figure. Only difference, 2.5% interest rate over 24 months.Shopping around last night, I found InTouch Credit Union (https://www.itcu.org/personal/loans/vehicles/rates) 1.99% over 60 MONTHS, BUT they base qualification off car's mileage which must be under 80,000 miles. I don't qualify but 2.5% over 24 months is plenty to get me past my cash crunch.I searched the threads and didn't find a thread similar to mine so I thought I would share with the group.If I follow through with this strategy, should I buy the Gap insurance? My car is a daily driver, never been in an accident, and I've seen similar cars to mine selling for around $11K. Seems like cheap insurance to over a $8,000 gap + they'll give me $1,000 towards the purchase of another car, assuming my car is totaled.

My wife and I welcomed our newborn son into the world on 9/27/11. He was born 9 weeks early and required 15 days in the NICU before being released. We are both very organized and plan ahead on almost everything...so we thought we were all set when it comes to health insurance coverage for our little one. My wife is a nurse, working for the healthcare provider that provided the care. Her insurance is through a company affiliated with her employer. When doing our research, the "life events" section of the website simply stated that we had to enroll our newborn within 30 days and that coverage would be effective as of the birth date.I submitted the life event on 10/9/11 (well within 30 days) and faxed his birth certificate as proof of the life event within a week. We thought we were all set. Today we got EOB's with tens of thousands of dollars of charges stating that they are denied because our son's coverage was not effective until 10/9/11. Of course we tried to call immediately to see what the issue is, but their offices are closed after 3pm in recognition of the New Year.I can't imagine that this is anything more than an error somewhere in the process by the employer/insurer. Has anyone experienced this type of denial? Am I wrong to assume that this is simply a mistake?

High level background to quell possible discussion that borrowing money is a bad idea regardless of interest rate.Freakish luck, this year I stumbled across a consulting venture that lead to making 50% of my primary income for 20% of my time. Combined with my spouse's income and recent raises, I had to check my figures 4X before reality set in. The taxable consequences actually made me quite panicky. And honestly the increase in income has made me more miserable as the tradeoff is time. To make the operation more efficient and effective, and to take advantage of capital expenditure write offs (equipment, office, furniture, etc) I spent a good amount of money just this past week to meet the 2011 deadline. We like to have at least 6 months income liquid, and the expenditures along with other income producing opportunities will pretty much wipe out our cash for Q1, but we will get it back and then some as the year progresses. I was considering some sort of balance transfer/advance strategy but found it too expensive.While at the Credit Union the other day, having a notary stamp (free) a few business documents I noticed they sold Gap Insurance ($285). I thought it was only for leased cars, but you can buy it for cars that are financed. That lead to a chat about interest rates, 3.99% over 24 months. My paid off 2002 car with 109,000 miles (European brand, ///M, for those in the know), qualified for a shocking $19,000!!! The CU didn't blink an eye when I asked if I could use the money for other purposes such as a cash reserve.Thinking this was a fluke, I called my other CU and they had a similar program, made their own appraisal and came up with the same dollar figure. Only difference, 2.5% interest rate over 24 months.Shopping around last night, I found InTouch Credit Union (https://www.itcu.org/personal/loans/vehicles/rates) 1.99% over 60 MONTHS, BUT they base qualification off car's mileage which must be under 80,000 miles. I don't qualify but 2.5% over 24 months is plenty to get me past my cash crunch.I searched the threads and didn't find a thread similar to mine so I thought I would share with the group.If I follow through with this strategy, should I buy the Gap insurance? My car is a daily driver, never been in an accident, and I've seen similar cars to mine selling for around $11K. Seems like cheap insurance to over a $8,000 gap + they'll give me $1,000 towards the purchase of another car, assuming my car is totaled.

Lending Club will waive the 1% service fee for the lifetime of the loan on investments made no earlier than December 29, 2011 and made in loans greater than or equal to $20,000. Lending Club reserves the right to change or discontinue this offer at anytime, any change or discontinuation would only affect loans issued after the effective date of the change or discontinuation. This offer only applies to investments made in loans that meet the criteria of the offer at the time of issuance. The offer only applies to standard borrower payments during the original term of the loan, either 36 months or 60 months depending on the term of the loan. The offer only applies to regular payments made on the loan and does not apply to recovery and collection fees or the like. Lending Club will credit your account for any fees incurred within 60 days of payment, if any.
Link

TextExtra 30% off code: RWYEAREND

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Rosewill RNX-MiniN2 (RWLD-11002) USB 2.0 Wireless Adapter
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First post by long time lurker. I've learned a lot from the knowledge shared on this forum - thanks.Letter I received today says the PenFed Cash Rewards variable APR will be reduced to 9.99% (from 13.99%) effective with the first billing cycle after January 15, 2012. Also, effective February 1, 2012, reward rate for gas purchases stays at 5% but drops from 1% to 0.25% on all non-gas purchases.In the same letter, they're announcing a new PenFed Platinum Rewards Card (Visa) with 5 points per dollar on gas, 3 points per dollar on supermarket, and 1 point per dollar on all other purchases. Effective February 1, 2012. Points can be redeemed for merchandise, travel, gift cards, or Visa prepaid cards. This includes a limited time offer "...jumpstart your rewards by earning 5,000 points the very first time you use your card and another 20,000 points when you spend $1,000 within the first 3 months. That's $250 that you can use toward merchandise, gift cards, and other rewards. Or, you can use your points for other easy-to-redeem rewards, such as merchandise, gift cards, or travel."To switch from cash rewards to the new card go to PenFed.org/MoreRewards. "You will receive more information about tracking and redeeming your points once your switch becomes effective in February." On the PenFed web site, I didn't find any references to the Cash reward changes or references to the new rewards card.

My parents are going to be in the US for a little over a year and are trying to figure out the most cost effective way to get a car during that period. They're currently living overseas, will be returning to the United States for approximately a year and then moving overseas again. They have a car that they're happy with but they can't get it shipped to and from the US for the brief period that they're going to be here. They're the sorts of people who drive fairly economical cars (think Hondas, not BMWs) but please no suggestions for 10-year old Crown Vics. With current high used car prices the option that seems to make the most sense would be to buy a car that holds its value well and then sell it when they move a year later. Something like a Honda Fit won't take too much of a depreciation hit unless the used car market suddenly implodes. I thought about recommending a lease but as far as I know leases are usually for three years. Is it possible to get a one year lease for a new or lightly used car?

Good for seniors living off a fixed income. Membership is restricted; ask a family member who is a Navy FCU member to invite you.
This offer is effective December 19, 2011. The 20-Month Special Certificate has a maximum balance limit of $18,000. Only one 20-Month Special Certificate per member is allowed. You may make additional deposits to the certificates at any time. At maturity, the certificate will automatically renew to a $1,000, 24-Month certificate at the prevailing rate. Federally insured by NCUA.Navy FCU
Membership Eligibility ChecklistNavy Federal's field of membership is determined by the National Credit Union Administration.
If you fall under any of these categories, you're eligible to join:All Department of Defense (DoD) uniformed personnelArmy, Marine Corps, Navy and
Air Force retirees and annuitantsAll Department of Defense ReservistsArmy, Marine Corps, Navy and Air Force retirees
and annuitantsAll Army and Air National Guard Personnelcivilian employees, retirees and annuitantsAll Delayed Enlistment Program (DEP) PersonnelAll DoD Officer Candidate programsMidshipmen and cadets at the United States Naval Academy,
United States Military Academy, United States Air Force Academy, United States Coast Guard Academy
and the United States Merchant Marine Academy; Other Officer Programs*U.S. government employees assigned to DoD installations (including Coast Guard)All DoD civilian employeesincluding retirees and annuitantsDoD contractors assigned to U.S. Government installationsFamily Membersincluding grandparents, parents, spouses, siblings, grandchildren, children (including adopted and stepchildren) and household membersOnce your family members have joined, they can extend the membership opportunity to their family members, too.Still not sure if you are eligible? Use our Membership Eligibility Wizard or call us at 1-888-842-6328, then press *31.

OfficeMax.com 100% back in rewards on select backpacks, messengers, briefcases, GBC and Swingline, glue stics, labor law posters 12/25-12/31
MaxPerks Rewards offers for the week: LINK.
There is a separate thread for the discussion of the "20% Bonus Reward offer on computers":OfficeMax after Christmas deal: 20% back in MaxPerks Bonus Rewards on desktops, laptops and tablets 12/25-31
December 25, 2011 thru December 31, 2011:100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 3 Bonus Rewards per item per member. LINK100% Bonus Reward on Avery Jumbo Permanent Glue Stics, 6-pack (item# 07111902) online only, limit 2 maximum $19.58 Bonus Reward per member. LINK100% Bonus Reward on select backpacks, messengers and briefcases (items# 23104374, 23075226, 23236598, 23236455, 23236561) available online only, limit 2 Bonus Rewards per item per member.
++ Not sure what products are SKUs 23236598, 23236455 and 23236561.
--- ful Joint Venture 2-in-1 iPad Messenger - Black [23104374] $76.99 LINK
--- ful Brooklyn 2-in-1 iPad/Laptop Backpack - Black [23075226] $99.99 LINK100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. LINK50% Bonus Reward on Smead Tuff Expanding Letter Size Wallets with Tab (item# 21511712) online only, limit 2 Bonus Rewards per member. LINK$32 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Rewards per member. LINK$70 Bonus Reward on a Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743) limit 2, maximum $140 Bonus Reward per member. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Reward offers are available 12/25/11 thru 12/31/11. Limits may apply; see product offer for details. For 20% Bonus Reward offer on computers, limit 1 Bonus Reward per member. Excludes Amazon Kindle and NOOK by Barnes and Noble products. $32 Bonus Reward on BOISE X-9 8.5x11 Multiuse Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Rewards per member. 100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 3 Bonus Rewards per item per member. 100% Bonus Reward on Avery Jumbo Permanent Glue Stics, 6-pack (item# 07111902) online only, limit 2 maximum $19.58 Bonus Reward per member. 100% Bonus Reward on select backpacks, messengers and briefcases (items# 23104374, 23075226, 23236598, 23236455, 23236561) available online only, limit 2 Bonus Rewards per item per member. 50% Bonus Reward on Smead Tuff Expanding Letter Size Wallets with Tab (item# 21511712) online only, limit 2 Bonus Rewards per member. $70 Bonus Reward on a Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743) limit 2, maximum $140 Bonus Reward per member. 100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a MaxPerks Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/maxperksterms for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/31/2011 unless otherwise indicated.Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details. -----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

NCIX EVGA GeForce GTX 330 Ti LINK
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Performance
NVIDIA GTX 550
981 MHz GPU
192 CUDA Cores
400 MHz RAMDAC
Memory
1024 MB, 192 bit GDDR5
4514 MHz (effective)
108.3 GB/s Memory Bandwidth
Interface
PCI-E 2.0 16x
DVI-I, DVI-I, Mini-HDMI
SLI Capable
Resolution & Refresh
240Hz Max Refresh Rate
2048x1536 Max Analog
2560x1600 Max DigitalProduct Warranty
This product comes with a 3 year limited warranty. Registration is recommendedOperating System Support
Windows 7 32/64bit, Windows Vista 32/64bit, Windows XP 32/64bit
Requirements
Minimum of a 400 power supply.
(Minimum recommended power supply with +12 Volt current rating of 24 Amps.)
One available 6-pin PCI-E power dongle
Notes:
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Rebate
OCZ Vertex Plus 120GB 2.5IN SATA2 Indilinx Arowana Solid State Disk Flash Drive SSD $119.99 and a $20 MIR with Free Shipping option.
OCZ Vertex Plus Solid State Drives are the faster, cooler, quieter, and more durable alternative to conventional hard disc drives. In combination with the latest flash memory, the Vertex Plus features the revolutionary new Indilinx Arowana FTL with HyperQueuing, which significantly increases sequential write speeds and random IOPS over the previous generation FTL. With excellent reliability and lower power consuming NAND flash, these SSDs use less energy while giving you real-world results in your everyday computing and battery life. Complete with TRIM support, Vertex Plus is the ultimate notebook or desktop upgrade.Compared to its predecessor, Vertex Plus features higher sequential speeds along with improved 4KB random write IOPS, while offering excellent uncompressed data performance. Thanks to cost effective NAND and controller technology, the Vertex Plus offers lower cost per gigabyte configurations than competing drives on the market, making them excellent starting points into the world of SSDs.Available in 60GB and 120GB capacities, the Vertex Plus Series is an ideal upgrade option for system boot drives, RAID arrays, or as primary laptop storage at an ultra-attractive price point. 120GB
64MB Onboard Cache
TRIM Support
Seek Time: .1ms
Slim 2.5" Design
100 (L) x 70 (W) x 9.19mm (H)
Lightweight: 88g
Operating Temp: 0C ~ 70C
Ambient Temp: 0C ~ 55C
Storage Temp: -45C ~ +85C
Low Power Consumption: 1.5W in operation,
.3W in standby
Shock Resistant up to 1500G
RAID Support
MTBF: 1.5 million hours
3-Year Warranty
Compatible with Windows XP, Vista, 7 (32/64 bit), Linux, Mac OSX60GB Max Performance Max Read: up to 180 MB/s
Max Write: up to 90 MB/s
Random Write 4k (Aligned): 2,500 IOPS120GB Max Performance Max Read: up to 250 MB/s
Max Write: up to 160 MB/s
Random Write 4k (Aligned): 4,800 IOPS

Someone just forwarded me the following article: http://www.northinfo.com/documents/333.pdfYou may review it and focus on slides 9 and 10. Initially I thought it is a not possible. But then when I did the math myself in excel and recreated the chart in slide 8, I am a convert now. I strongly believe this article now and moved my and wife's 401k money out of the target date funds.

link
Product Description
With Seal-a-Meal Vacuum Food Sealer you can: Keep leftovers as fresh and delicious as the day they were prepared. Prepare make-ahead meals over the weekend, then store them for easy weeknight reheating. Buy food in bulk then freeze for later--use in meal or serving-size portions. Marinate meats in minutes instead of hours. Store delicate or moist foods with convenient canisters (not included). Seal and store meals in serving-sized portions for simple and effective portion control. Features an accessory port, removable drip tray, one-touch vacuum and seal buttons with indicator lights, Microban antimicrobial product protection.

http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer. December 21, 2011Simple, smart and secure backup technologies! System Backup is easy to use and highly automated: out-of-the-box automation for scheduled background protection of your complete system and data. Plus, customizable backup strategy options for specialized individual needs.

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

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

Whats new in this version:
Support for the latest HDD standards and hardware. Enjoy support for SSD (Solid State Drive), AFD (Advanced Format Drive), 2TB+ and non-512B sector size drives.
Unified (x32/x64) full MSI Package.
Updated Linux based Recovery CD

Canon PowerShot ELPH 100 HS 12.1 MP CMOS Digital with 4X Optical Zoom (Grey)Canon PowerShot ELPH 100 LinkyUse a Mastercard together with the following code for $10 off: 3TLRXE3N
You will also get another coupon within 30 days of this purchase for another $10 off any $50 Amazon purchase!-You will also get $2 of MP3 credits after your item ships.
-Canons HS SYSTEM with a 12.1 MP CMOS and DIGIC 4 Image Processor improves shooting in low-light situations without the need for a flash!
The Canon HS SYSTEM takes the frustration out of low light shooting. The system delivers clear, blur-free shots with all the ambiance intact, and frees you from the sometimes unwanted effects of using the flash. Beautiful low light shots are possible at both low and high ISO speeds, and the dynamic range is expanded to retain maximum detail in highlight and shadow areas.
-Full 1080p HD Video for exceptional quality and keep footage stabilized with Dynamic IS.
-Get high-speed shooting in a point-and-shoot camera: High-speed Burst Mode captures 8.2fps
-Smart AUTO intelligently selects the proper settings for the camera based on 32 predefined shooting situations.
-4x Optical Zoom with a Wide-Angle lens (28-112mm) Optical Image Stabilizer and a 3.0-inch PureColor System LCD.
-12.1 effective megapixels, 1/2.3-inch CMOS image sensor; 4x wide optical zoom and 4x digital zoom
-3.0 in. Pure Color LCD with wide viewing angle; Built-in flash with Red-Eye Correction; Full 1080p HD video with Dynamic IS
-Lowers noise levels at higher ISO settings.
-Smart AUTO (32 scenes); New Scene Modes: Toy Camera Effect and Monochrome
-Super Slow Motion Movie records video at high speeds to allow slow motion playback.

It seems like almost every deal person has bought one of the KitchenAid mixers at this point. I am starting to think that it is similar to the razor blade model (although it has a lot of functions on its own). Now, it is sort of the hunt for the attachments at the best price.The Food Grinder Attachment (FGA) is one of the simpler useful attachments available, but can be effective for normal household use. The lowest Amazon price last week was $29.99 I think, so it may come down to that price again. It has mostly good reviews and for normal household use and properly maintained, it should work right.Also, Kohl's has a hassle-free return policy ("Return any item, anytime, for any reason.") like Costco. Do keep the receipt though to make it easier to exchange/replace if needed. (Policy here)In the Kohl's ad this week (and website), it is currently listed for $49.99 (reg. $59.99). At Lowe's, it is currently listed for $31.99 (reg. 39.99 - 20% off) until 12/26/2011.Kohl's in-store has a price-match policy (Here for your reading). Kohl's does not match on its website (hence, in-store deal only).Printable 15%/20% Kohl's coupon for any payment methodHere are the deal steps:1. Go to Lowes website and print the in-store price (Here is a link to the item - enter zip code to get it local). I had a problem getting it to print with the Lowe's logo, but the printout will have the end date (12/26/2011) and this is an in-store price.2. Go to Kohl's store and find the item. Since it is in this week's Kohl's ad, it should be easier to find, but I find most stores only carry 4-6 of this item at any given time. I found it at the same display with the mixers. It is a small box compared to the mixer box. The UPC is 050946000176.3. Go directly to check-out. This PM does not require a manager's approval (unlike the babycakes craziness which I didn't even try). A knowledgable rep can first price adjust/markdown the items directly to $31.99 and there is a reason option on the screen to select second to indicate competitor ad/price.4. Use your 15% or 20% in-store coupon from the daily Kohl's email you get (15% is off purchases below $100, 20% is for purchases above $100) with any payment method. Or your 30% Kohl's card discount (ymmv). Printable 15%/20% Kohl's coupon for any payment method5. Some of you may have found the sticky note at least twice in the past two weeks on the front of your daily newspaper for $10 off $30 in-store only valid from 12/15 to 12/24 (one-time use/certain states it appears). This is stackable with percent-off ($ off always comes before percent-off automatically no matter what order you give it to the cashier).6. If you are not using Kohl's card, use your Chase Freedom (10% up to $1500 through 12/31) or Discover (5% up to $300 through 12/31) for additional money-back. If you net total is close to $50 or more, you will also get $10 KC to spend next week.Conservatively, the cost is like this:$49.99 sale price
-$18.00 item markdown (PM)
Subtotal: $31.99
% Transaction Discount 15% -$4.80
Total before tax: $27.19So, it could be lower if you get 20% or 30% off, $10 off $30, or use a bonus CashBack card (or any combination).I am also open to similar good deals for the pasta one (not sure which I should get, maybe the one that makes the tubes) and ice cream maker.Rasheed

OfficeMax.com 100% back in rewards on select backpacks, sleeves, GBC and Swingline, tape, & labor law posters, $0.01 after rewards batteries 12/18-12/24
MaxPerks Rewards offers for the week: LINK.
There is a separate thread for the discussion of the "Purchase $50 in OfficeMax branded gift card, receive $10 in MaxPerks Rewards":OfficeMax: Get $10 back in MaxPerks Bonus Rewards when you buy $50 or more in OfficeMax branded gift cards 12/11-12/24
December 18, 2011 thru December 24, 2011:100% Bonus Reward on Mobile Edge "The Edge" 16" Backpack (item# 23236623) online only, limit 2 Bonus Rewards per member. LINK100% Bonus Reward on select NUO iPad Sleeve Sunburst (items# 23234144, 23234153, 23234162) online only, limit 2 Bonus Rewards per item per member. LINK
--- Nuo iPad Sleeve Sunburst, Red [23234162] $24.99 LINK
--- Nuo iPad Sleeve Sunburst, Pink [23234153] $24.99 LINK
--- Nuo iPad Sleeve Sunburst, Blue [23234144] $24.99 LINK100% Bonus Reward on select ful iPad backpacks and messengers (items# 23104374, 23075226) online only, limit 2 Bonus Rewards per item per member. LINK
--- ful Brooklyn 2-in-1 iPad/Laptop Backpack - Black [23075226] $99.99 LINK
--- ful Joint Venture 2-in-1 iPad Messenger - Black [23104374] $76.99 LINK100% Bonus Reward on Scotch 3450-RD Packing Tape with Dispenser (item# 22426974) $5.99, online only, limit 8 Bonus Rewards per member. LINK
++ The Buy 2 Get Free offer does combine with the rewards offer. Ignore how the email confirmation parcels out the purchase price.
++ Put "3" into the cart for every buy 2 get 1 free. Put "12" into your cart to get the maximum "8" paid tapes.100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. LINK100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 3 Bonus Rewards per item per member. LINK TO GBC/Swingline products
--- Swingline Antimicrobial Full Strip Stapler [20381123] $9.49 LINK
--- Swingline 747 Collectors Edition Stapler, Red [20617076] 20.39 LINK
--- Swingline 747 Business Staplers, Black [20381178] $19.37 LINK
--- Swingline 747 Collectors Edition Staplers, Polished Chrome [20617067] $20.39 LINK
--- Swingline EasyView Light Touch Punches, 20 sheet [21906635] $28.99 LINK
--- Swingline Heavy Duty Stapler [09112195] $45.89 LINK
--- Swingline Optima Desk Staplers; Silver, Black, Royal Blue [20826705, 20826714, 20897399] LINK
--- Swingline 747 Classic Stapler, Satin Black [09000092] $16.39 LINK
$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. LINK$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) $41.99, limit 2, maximum $64 Bonus Reward per member. LINK$80 Bonus Reward on Kodak Z5010 14 MP Optical Zoom Black Digital Camera (item# 23165227) online only, limit 2, maximum $160 Bonus Reward per member. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from December 18, 2011 thru December 24, 2011 unless otherwise indicated. $10 Bonus Reward on OfficeMax Gift Cards requires a minimum purchase of $50 or more on any OfficeMax branded Gift Cards, in the same transaction, limit 2, maximum $20 Bonus Reward per member, available from December 11, 2011 thru December 24, 2011. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $80 Bonus Reward on Kodak Z5010 14 MP Optical Zoom Black Digital Camera (item# 23165227) online only, limit 2, maximum $160 Bonus Reward per member. 100% Bonus Reward on Mobile Edge "The Edge" 16" Backpack (item# 23236623) online only, limit 2 Bonus Rewards per member. 100% Bonus Reward on select NUO iPad Sleeve Sunburst (items# 23234144, 23234153, 23234162) online only, limit 2 Bonus Rewards per item per member. 100% Bonus Reward on select ful iPad backpacks and messengers (items# 23104374, 23075226) online only, limit 2 Bonus Rewards per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. 100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 3 Bonus Rewards per item per member. 100% Bonus Reward on Scotch 3450-RD Packing Tape with Dispenser (item# 22426974) online only, limit 8 Bonus Rewards per member. 100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/24/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details. 
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Seedstudio.com has a special for gift cards right now where you can get 20% off. They can be used as a credit on the account after they are purchased so they are effectively 20% your purchase - buy the GC then use the credits to buy your stuff.Get your geek onSome of the cool things they have are the DSO Nano/Quad (they also have the quad with an aluminum case which is almost sold out - the DSO Nano's are not magical so check the forums in case it is not for you), the RF explorer, their Android Open Accessory Development Kit stuff, a bunch of stuff for Arduinos, and tons of wireless modules, sensors and accessories for electronics hobbyists and geeks in general.They also have the Magic Mirror Kit on sale:
Magic Mirror Kit $139And Rainbowduino Rainbow Cubes:
$99 Unicorn not included

Rite Aid minutes ago officially announced changes to its Wellness program by Facebook and e-mail (although we have known about these changes already for at least 2 weeks through leaks): Its time for the big news: Weve heard your feedback, and were making the value of wellness even better in 2012 with three exciting new benefits for wellness+ members!New wellness+ benefit #1: In 2012, as a wellness+ member, youll be able to save, manage and redeem more than $120 in Rite Aid and manufacturer coupons available throughout the internet each week directly on your wellness+ card. Of course, paper coupons will still be accepted.New wellness+ benefit #2: Were empowering our valued members with more choices! In 2012, upon reaching 500 points, members will earn the choice of one wellness reward such as a gym membership, magazine subscription or health screening.New wellness+ benefit #3: In 2012, new bronze level starts at 250 points! bronze level members will receive 10% off Rite Aid brand every day as well as a one-time 10% off shopping pass. Dear Rite Aid wellness+ Member,Your loyalty to Rite Aid and the wellness+ program has made it the success it is today. And this past year, as we looked at ways to enhance the program, that meant changing the benefits we offer you. Because we value you so much, we want you to be the first to know about changes to the wellness+ program that will take effect January 1st, 2012.The following benefits were added so you get more rewards for being a loyal Rite Aid customer:Load2CardSM, a new coupon management tool that will allow you to save, manage and redeem Rite Aid and manufacturer coupons directly through your wellness+ card.*
When you reach silver status at 500 points, you'll earn a wellness reward of your choice, such as a gym membership, health/fitness magazine subscription or health screening.*
A brand new bronze tier for members who reach 250 points in a single year. Bronze tier members will receive 10 percent off all Rite Aid brand products every day as well as a one-time 10% off shopping pass for use in the store.*Again, these changes will not take effect until January 1st, 2012. Remember, your points will reset on January 1st, 2012, but your silver or gold member tier status and discount will continue through 2012.We thank you for being a loyal Rite Aid customer.Best,Your Rite Aid wellness+ Team
Link to Rite Aid's Facebook page: click here

Rite Aid minutes ago officially announced changes to its Wellness program by Facebook and e-mail (although we have known about these changes already for at least 2 weeks through leaks): Its time for the big news: Weve heard your feedback, and were making the value of wellness even better in 2012 with three exciting new benefits for wellness+ members!New wellness+ benefit #1: In 2012, as a wellness+ member, youll be able to save, manage and redeem more than $120 in Rite Aid and manufacturer coupons available throughout the internet each week directly on your wellness+ card. Of course, paper coupons will still be accepted.New wellness+ benefit #2: Were empowering our valued members with more choices! In 2012, upon reaching 500 points, members will earn the choice of one wellness reward such as a gym membership, magazine subscription or health screening.New wellness+ benefit #3: In 2012, new bronze level starts at 250 points! bronze level members will receive 10% off Rite Aid brand every day as well as a one-time 10% off shopping pass. Dear Rite Aid wellness+ Member,Your loyalty to Rite Aid and the wellness+ program has made it the success it is today. And this past year, as we looked at ways to enhance the program, that meant changing the benefits we offer you. Because we value you so much, we want you to be the first to know about changes to the wellness+ program that will take effect January 1st, 2012.The following benefits were added so you get more rewards for being a loyal Rite Aid customer:Load2CardSM, a new coupon management tool that will allow you to save, manage and redeem Rite Aid and manufacturer coupons directly through your wellness+ card.*
When you reach silver status at 500 points, you'll earn a wellness reward of your choice, such as a gym membership, health/fitness magazine subscription or health screening.*
A brand new bronze tier for members who reach 250 points in a single year. Bronze tier members will receive 10 percent off all Rite Aid brand products every day as well as a one-time 10% off shopping pass for use in the store.*Again, these changes will not take effect until January 1st, 2012. Remember, your points will reset on January 1st, 2012, but your silver or gold member tier status and discount will continue through 2012.We thank you for being a loyal Rite Aid customer.Best,Your Rite Aid wellness+ Team
Link to Rite Aid's Facebook page: click here

Product Link
To me, $20 Amazon gift card is like cash, as i use Amazon a lot.
Effective price = $104 - $20 = $84 + plus your tax. And FREE shipping.

OfficeMax.com 100% back in rewards on select backpacks, bags, GBC and Swingline, & labor law posters, $0.01 after rewards batteries 12/11-12/17
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
There is a separate thread for the discussion of the "Purchase $50 in OfficeMax branded gift card, receive $10 in MaxPerks Rewards":OfficeMax: Get $10 back in MaxPerks Bonus Rewards when you buy $50 or more in OfficeMax branded gift cards 12/11-12/24
December 11, 2011 thru December 17, 2011:100% Bonus Reward on Mobile Edge G-Pak BEF Backpacks (items# 23236259, 23236268, 23236277, 23236286) $69.99, online only, limit 2 per item per member. LINK100% Bonus Reward on select ful Backpack/iPad Bags (items# 23075226, 23104374) $99.99 or $76.99, online only, limit 2 per item per member. LINK100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) $18.99 or $34.99, available online only. LINK100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 2 Bonus Rewards per item per member.
++ I am a smidgen worried about these. While they are stated in the terms, there is no ad graphic and no note on the product pages.
--- Swingline Antimicrobial Full Strip Stapler [20381123] $9.49 LINK
--- Swingline 747 Collectors Edition Stapler, Red [20617076] 20.39 LINK
--- Swingline 747 Business Staplers, Black [20381178] $19.37 LINK
--- Swingline 747 Collectors Edition Staplers, Polished Chrome [20617067] $20.39 LINK
--- Swingline EasyView Light Touch Punches, 20 sheet [21906635] $28.99 LINK
--- Swingline Heavy Duty Stapler [09112195] $45.89 LINK
--- Swingline Optima Desk Staplers; Silver, Black, Royal Blue [20826705, 20826714, 20897399] LINK
--- Swingline 747 Classic Stapler, Satin Black [09000092] $16.39 LINK
$8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) $8.49, limit 2 per item, maximum $16.96 Bonus Reward per item per member. LINK$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) $14.29, limit 2 per item, maximum $28.56 Bonus Reward per item per member. LINK
$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) $41.99, limit 2, maximum $64 Bonus Reward per member. LINK$30 Bonus Reward on Swingline EX10-06 Shredder (item# 22534330) $169.99, online only. LINK$40 Bonus Reward on Swingline EM07-06 Shredder (item# 22482859) $209.99, online only. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from December 11, 2011 thru December 17, 2011 unless otherwise indicated. $10 Bonus Reward on OfficeMax Gift Cards requires a minimum purchase of $50 or more on any OfficeMax branded Gift Cards, in the same transaction, limit 2, maximum $20 Bonus Reward per member, available from December 11, 2011 thru December 24, 2011. 100% Bonus Reward on Mobile Edge G-Pak BEF Backpacks (items# 23236259, 23236268, 23236277, 23236286) online only, limit 2 per item per member. 100% Bonus Reward on select ful Backpack/iPad Bags (items# 23075226, 23104374) online only, limit 2 per item per member. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 2 per item per member, maximum $16.96 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 2 per item per member, maximum $28.56 Bonus Reward per item per member.$30 Bonus Reward on Swingline EX10-06 Shredder (item# 22534330) online only. $40 Bonus Reward on Swingline EM07-06 Shredder (item# 22482859) online only. 100% Bonus Reward on select GBC and Swingline products (items# 20381123, 20617076, 20381178, 20617067, 21906635, 09112195, 20826705, 20826714, 20897399, 09000092) online only, limit 2 Bonus Rewards per item per member. 100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.??Visa gift card offer is available for purchases of select printers. All Visa gift card offers are available from December 11, 2011 thru December 17, 2011. A MaxPerks ID must be presented at time of purchase for existing members or new member sign-ups. Offer valid in-store, online and/or via phone order. No MaxPerks adjustments will be made after time of purchase. Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/17/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

SOLD OUTMovero Task Light with Base by Luxo-$25 plus tax in some states. LIMITED QUANTITIES! List is $384 but usually goes for $80-$150. Made in Norway.Free UPS or FedEx shipping.OfficeDeal.com http://www.officedeal.com[/L] Daily Deal on 12/9 is:Movero - uses the latest technology in ergonomic task lighting. The innovative design, the effective light, the advanced arm design and louvre make the task light suitable for a variety of working environments. Moveros adjustable louvre eliminates the discomfort of glare. Supplied with HPF ballast to eliminate flicker. 18 watt quad compact fluorescent (included). NO flickering.
Adjustable louver eliminates glare.
Electronic HPF ballast. Eliminates flicker and reduces energy consumption.
26" spring-balanced arm.
UL / CUL Listed.

Here is a CNBC article that I think some people here may be interested in reading. To me it seems fairly balanced with none of the usual hysteria and obvious bias that you often see in these types of articles as of late. The article can be found here: http://www.cnbc.com/id/45599691Here are a couple of snippets:
After half a decade of withering sales and slumping prices, there are strong and diverse signs that the single-family housing market is poised for a rebound. In some metropolitan areas, the market has bottomed, with both sales and prices on the rise and foreclosures on the decline. It has become increasingly apparent to us that the pieces for a housing rebound next year are beginning to fall into place, declared Barclays Capital analyst Stephen Kim in a recent note to investors. Proponents admit that the nascent rebound could easily be derailed, but stress that after years of government efforts to support sales and prices as well as the volatile impact of foreclosures, the market has regained a measure of normalcy. With the exception of really hard-hit markets, the vast majority is ready to turn around, adds Jerry Howard, president and CEO of the National Association of Home Builders, NAHB. "The Washington, D.C., area is not only ripe for recovery, they need to start building units.Nevertheless, skeptics overwhelmingly outnumber the optimists, given the false-starts of previous years, the economys sub-par performance, a new wave of distressed properties and the capacity for the European debt crisis to spook business, consumers and investors. I think its premature, says Richard Smith, CEO of Realogy, the nations largest real estate company, whose brands include Century 21, Coldwell Banker and Sotheby's International. We see little indications here and there. Transaction volume is improving. Prices are still under pressure. This isnt going to be one of those spiked robust recoveries. Smith is echoing the conventional industry calculus: that price increases follow sales growth amid consistently strengthening demand. Theres been little conventional, however, about this housing slump, which is one reason it's had so many false bottoms. Among its many firsts housing starts fell through 1 million annual units, foreclosures topped 2 million in three consecutive years, and home prices declined on a national basis. The catalysts to recovery are mostly the same: for potential buyers, residential rents have now risen enough to consider buying; existing-home inventory is the lowest in five years, while that of new homes is at a 40-year low; affordability is at a record high; delinquencies have peaked; consumer confidence is on the rise ; and job growth is accelerating. For investors, with a continuation of the gold rally in question, real estate is beginning to look like a viable inflation hedge alternative, while rising rents mean greater profits. A turnaround in the housing market will require continued improvement in the job market.The economy has created jobs 13 months in a row for a total of almost 1.9 million. Weekly jobless claims have been routinely below the key level of 400,000, and the national jobless rate is down to 8.6 percent. There are already signs in some markets that an improving employment picture is boosting housing demand and sale prices.In cities such as Tampa, Fla., South Bend, Ind., Grand Rapids, Mich., Raleigh, N.C., Wichita, Kan., and Green Bay, Wis.., the median sales price of an existing single family home increased 1-2 percent in the third quarter, during which time the jobless rate and/or payrolls growth improved dramatically. Even in the Cape Coral-Fort Myers, Fla. metropolitan area considered the epicenter of the foreclosure crisis a few years ago prices were just 1.4 percent lower in the third quarter than the previous year.Optimists say most of the uncertainty and fear is gone. The major driver of negative sentiment was that prices were going down across the market by large amounts, says Kim of Barclays. Buyers need to see a stabilization. A contributing element to that is the unwinding of government intervention whether to artificially spur demand as was the case with the first-time buyer tax incentive program of 2009 and 2010 and/or to retard and prevent foreclosures. Many regard those efforts as largely ineffective, if not counter-productive because they delayed the inevitable a deep descent to a market bottom, which has finally been touched.The numbers youre looking at you can trust, says Kim. "There are no exogenous factors. Though tight lending conditions and forthcoming regulations of the Dodd-Frank legislation are still an issue for some, sweeping housing finance reform is off the agenda for at least the next year. Youre back to the natural forces of the market, says Howard of the builders association.

Movero Task Light with Base by Luxo-$25 plus tax in some states. LIMITED QUANTITIES! List is $384 but usually goes for $80-$150. Made in Norway.Free UPS or FedEx shipping.OfficeDeal.com http://www.officedeal.com[/L] Daily Deal on 12/9 is:Movero - uses the latest technology in ergonomic task lighting. The innovative design, the effective light, the advanced arm design and louvre make the task light suitable for a variety of working environments. Moveros adjustable louvre eliminates the discomfort of glare. Supplied with HPF ballast to eliminate flicker. 18 watt quad compact fluorescent (included). NO flickering.
Adjustable louver eliminates glare.
Electronic HPF ballast. Eliminates flicker and reduces energy consumption.
26" spring-balanced arm.
UL / CUL Listed.

linkyFunction: Color PrintSpeed (Mono): 21 ppm in Letter (Up to 20 ppm in A4)
Speed (Color): 21 ppm in Letter (Up to 20 ppm in A4)
First Print Out Time (Mono): 20 s
First Print Out Time (Color): 20 s
Resolution: Up to 9,600 x 600 dpi effective output
Emulation: PCL5, PCL 6, SPL-C
Duplex: Built-inInput Capacity and Types: 250 - sheet Cassette, 100 - sheet Multi-Purpose Tray
Output Capacity and Types: 250 sheet (face down)
Media Size: 3" x 5" ~ 8.5" x 14"
Media Type: Envelopes, Labels, Card Stock, Bond, Archive, Recycled, Transparencies, Color, Cotton, Preprinted, Plain PaperTech Specs Processor: Samsung CHORUS3 360 MHz
Tech Specs Memory / Storage: 256 MB (Max. 512 MB)
Tech Specs OS Compatibility: Windows 2000 / XP / 2003 / Vista (includes 64 bit) / Windows 7, Windows server 2008 R2, Various Linux OS including Red Hat 8.0 ~ 9.0, Mandrake 9.2 ~ 10.1, SuSE 8.2 ~ 9.2 and Fedora Core 1 ~ 4, Mac OS X 10.3 ~ 10.6, Citrix Presentation Server, Windows Terminal Services
Tech Specs Interface: USB 2.0, Ethernet 10 / 100 Base TX
Tech Specs Noise Level: Less than 51 dBA (Color printing & B/W printing) Less than 35 dBA (Stanby)
Tech Specs Duty Cycle, Monthly: 65,000 pages
Tech Specs Dimension (W x D x H): 17.4" x 17" x 16.7"
Tech Specs Weight: 59.52 lbsTech Specs Black Toner Cartridge:
Tech Specs Average Continuous Black Cartridge Yield
Tech Specs High Yield : 5,000
Tech Specs Standard Yield : 2,500Tech Specs Yellow/Magenta/Cyan Toner Cartridge Yellow/Magenta/Cyan Toner Cartridge
Tech Specs Multipass is consumable for Laser Beam Printer consists of Toner charging apparatus and Yellow/Magenta/Cyan Toner(Polymer Powder). Single pass is consumable for Laser Beam Printer consists of Toner charging apparatus and Yellow/Magenta/Cyan Toner(Polymer Powder). + OPC unit:
Tech Specs Average Continuous Yellow / Magenta / Cyan Cartridge Yield
Tech Specs High Yield : 4,000
Tech Specs Standard Yield : 2,000Tech Specs Transfer Belt: Approx.50,000 pagesTech Specs Options:
Tech Specs 128 MB Memory : CLP-MEM201
Tech Specs 256 MB Memory : CLP-MEM202
Tech Specs Second Cassette Feeder : CLP-S670A

There is currently a thread with the same TV and $20 in giftcards and $20 S&H here, however an even better deal is to use the 3-day sale ad in-store which will allow you to not have $20 S&H and also allows you to use either the $10 giftcard for $50 purchase coupon located here or if you were mailed a $15 giftcard for $150 purchase as I was recently, you can make this an even better deal!NOTE: Target in Milford, OH allowed me to stack the $15 coupon and the $10 coupon effectively giving a $45 gift card! I was planning on only using one, but the cashier suggested that I could use both! YMMV but the computer system took it without issue.This sale ends Saturday.Good luck!

I love this program, I know that it will enrich your life.
The free download contains the KJV Version and you can download
many other translations, most for free. Once you download other
translations you can also use the Parallel feature for your Bible study.
eSword Link
"This basic installation includes the King James Version,
King James Version w/ Strong's numbers, Strong's dictionary,
and the Treasury of Scripture Knowledge cross-references.
Download additional resources using the "Download" menu within e-Sword.""e-Sword is a fast and effective way to study the Bible. e-Sword
is feature rich and user friendly with more capabilities than you
would expect in a free software package. The fact that e-Sword is
free is just one of the blessings and does not speak of the quality
of the software."
Here are some of the cool features
available with this software:Strong's definitions are displayed as ToolTips! Just place the
mouse pointer over a Strong's number and the definition will then be displayed.Scripture references in the Commentary and Dictionary views are displayed
as ToolTips! Just place the mouse pointer over the reference and the passage
will then be displayed. To go to the passage, just click it!Easily compare the various translations to see how they
rendered the Greek or Hebrew manuscripts.Copy and print Scripture in a variety of formatting styles. This is also
available for search results and verse lists.Graphics Viewer for studying maps, charts, and other images.
If you would like training and demos just go here.Remember the reason for the season
Why not dig in the Word today ?Stay salty,
racosta420

Brother FAX-575 Personal Plain Paper Fax/Phone/Copier
Instant Savings: -$30.00
Checkout Price: $29.99
Prices effective through 12/10/2011.
LIMIT 2 PER CUSTOMERFree Next Business Day Shipping over $50

linkDescription:
1>Shinning colors earphone shinning your life.
2>Light Earphone case makes you feel comfortable while enjoy music.
3>Speaker sounds smoothly.
4>Four colors matches for different mood and clothes.
5>Reduces the noise effectively.Features：
1>Ear-fit design prevents sound leakage
2>Two ways available to enjoy, i.e back hanging or in-ear
3>Low distortion
4>Inner ear Headphones for mp3/ mp4/ all ipodsDetails:
>Max. Input Power:5mW
>Frequency Response:20Hz--20KHz
> Drive Unit:10mm
> 3.5mm audio jack plug
>Cord length:1.2m
>Impedance:32 ohms
>Certification:CE Certification

OfficeMax.com 100% back in rewards on select backpacks, bags, tablet cases & labor law posters, $0.01 after rewards batteries 12/04-12/10
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
December 04, 2011 thru December 10, 2011 ONLINE ONLY:100% Bonus Reward on select backpacks, bags, and tablet cases (items# 23248442, 23248451, 23104374, 23075226, 23236455, 23236561, 23236598) online only, limit 2 per item per member. LINK
--- Chloe Dao for Nuo Flip Tote - Abstract Floral [23248442] $24.99 LINK
--- Chloe Dao for Nuo Clutch 11-in, Pinstripe [23248451] $24.99 LINK
--- ful Joint Venture 2-in-1 iPad Messenger - Black [23104374] $76.99 LINK
--- ful Brooklyn 2-in-1 iPad/Laptop Backpack - Black [23075226] $99.99 LINK
--- Mobile Edge 16" Heritage Premium Briefcase - Black [23236455] $99.99 LINK
--- Mobile Edge 16" Heritage Premium Briefcase - Silver [23236561] $99.99 LINK
--- Mobile Edge 16" Heritage Premium Briefcase - Navy Blue [23236598] $99.99 LINK100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. LINK
$8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 2 per item online only, maximum $16.96 Bonus Reward per item per member. LINK$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 2 per item online only, maximum $28.56 Bonus Reward per item per member. LINK
$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. LINK$40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from December 4, 2011 thru December 10, 2011. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 2 per item online only, maximum $16.96 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 2 per item online only, maximum $28.56 Bonus Reward per item per member. Save $70 instantly plus, $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). 100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. 100% Bonus Reward on select backpacks, bags, and tablet cases (items# 23248442, 23248451, 23104374, 23075226, 23236455, 23236561, 23236598) online only, limit 2 per item per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/maxperksterms for full details.♦♦Visa gift card offer is available for purchases of select printers. All Visa gift card offers are available from December 4, 2011 thru December 10, 2011. A MaxPerks ID must be presented at time of purchase for existing members or new member sign-ups. Offer valid in-store, online and/or via phone order. No MaxPerks adjustments will be made after time of purchase. Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/10/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

OCIX.COM LinkOCZ Colossus LT 120GB 3.5IN SATA2 Solid State Disk Flash Drive SSD
$119.99 Free Shipping and No rebates.3.5" Solid State Drive / SATA II / MLC / 128MB Cache / Internal RAID 0 / Dual Controller Design / Enthusiast ClassThe Colossus LT 3.5 Solid State Drive Series is designed to meet the performance ideals of consumer desktop and enthusiast clients with cost-effective MLC NAND flash. The Colossus LT Series is the latest solution for prosumers and enthusiasts looking to take advantage of the benefits of SSD technology and maximize their storage arrays.Colossus LT SSDs deliver exceptional performance for high-end desktops and are the result of OCZs latest breakthroughs in flash based storage. Designed to offer PC enthusiasts a best-in-class storage upgrade from traditional hard disc drives, the innovative Colossus LT Series features incredible speed and ample storage for the complete gamut of gaming, multimedia and demanding productivity applications. The Colossus delivers all the proven benefits of SSDs such as superior system responsiveness, ultra-fast data access, and greater durability, while providing the storage capacity desktop users demand.Available in 120GB, 250GB, 500GB, and 1TB (1024GB) configurations, the Colossus provides ample room for the complete spectrum of desktop applications. In addition, this series has an excellent 1 million hour mean time between failure (MTBF) and comes backed by a leading 3-year warranty and dedicated technical support, ensuring peace of mind over the long term.Important SSD notes:
Solid State Drives DO NOT require defragmentation. It may decrease the lifespan of the drive.Consumers may see a discrepancy between reported capacity and actual capacity; the storage industry standard is to display capacity in decimal. However, the operating system usually calculates capacity in binary format, causing traditional HDD and SSD to show a lower capacity in Windows. In the case of SSDs, some of the capacity is reserved for formatting and redundancy for wear leveling. These reserved areas on an SSD may occupy up to 5% of the drives storage capacity. In OCZs Indilinx-based 3.5" SSDs, the naming convention reflects this and the 250 is equivalent to the 256GB, the 500 is equivalent to 512GB, and so on.Rated speeds may vary slightly depending on the benchmark used, drivers, windows version, bios version and file size. We recommend using ATTO and IOMeter for benchmarking RAIDed SSDs.

Effectively 10% discount - even better if you can combine it with Mastercard $20 rebatehttp://www.amazon.com/Sonos-Play-All---One-Integrated/dp/B005441...Choose "Add both to cart" under "Special Offers and Product Promotions"

http://www.giveawayoftheday.com/The program is available for $29.95, but it will be free for our visitors as a time-limited offer.December 2, 2011
AyRecovery Lite is a HDD instant recovery program and also a must-have toolkit for every PC owner. It is the easiest solution to restore and recover your system and precious data to working status at startup in seconds.
AyRecover Lite can effectively prevent your PC from system crash, virus attack, failed software installation, user error and other problems. If your Windows doesnt load, just reboot your PC and everything will go back to the way it was.AyRecovery Lite can easily remove PC failures like system problems, IE corruption and so on. It will protect the whole hard disk for you.

TATUNG TICT-1500W Induction Cook Top
$25 off w/ promo code EMCJHKJ79, ends 12/7
Link to Newegg(And don't forget 3% Fat Cash)
Clean, efficient heat is yours in one convenient and portable unit. The Induction Cooker by Tatung doesnt use traditional heat transfer to prepare your food. Instead, it uses an electromagnetic field to generate the heat within the pan or pot you place on the cooktop.With induction cooking, your cookware heats up fast, reducing your cooking time dramatically. Best of all, the Induction Cooker is energy efficient, because your energy bill and the environment are important to Tatung. For high heat dishes, the Induction Cooker can heat up to 430-degrees. It also features a two-hour timer setting and cookware suitability detection to reduce the guesswork in your food preparation. Experience fast, effective cooking in one elegant solution with the Tatung Induction Cooker today!Space-saving Design The Tatung TICT-1500W induction cooktop crams 1500-watt cooking power into a space-saving design, so you can boil, saut, stew, steam, simmer or fry at any convenient location in your house.
Induction Cooking Technology The Tatung TICT-1500W induction cooktop uses a magnetic coil to heat the cooking pot itself, resulting in a cooler, safer cooking surface and added energy efficiency.
Cookware Suitability Detection When a suitable cookware is placed on the Tatung TICT-1500W, the magnetic coil will react to generate heat for cooking. Heat will be shut off automatically when the cookware is removed, even if you don't turn them off.
Ceramic Surface The ultra-smooth ceramic cooking surface has no seams or gaps to trap food or spills, so clean-up is a breeze.
Convenient Timer The two-hour timer allows you to accurately set and monitor cooking time for perfectly cooked food.
Cooking Pot Included A stainless cooking pot with a glass lid is included with purchase, perfect for making stir fry or stews.

Thanks to whiterussian @ SDJust got an email from Pageplus:
We are pleased to announce that effective December 7th, the price of the Unlimited Talk n Text plan will be lowered from $44.95 to $39.95! This plan now offers even more value for those customers who need unlimited calling and texting, but do not require much data usage or mainly utilize Wi-Fi for data.Starting December 7th, Unlimited Talk n Text PINs will load at a $39.95 value. Customers currently on the plan will be charged $39.95 on their next monthly renewal following this date. Only the price is changing - all plan provisions will remain the same.There is also a new plan included on them, which is The 12. The 12 includes 250 minutes, 250 text/MMS messages and 10 MB of data for just $12 per month. The 12 will launch on December 20th. It will be a very economical plan perfect for those customers who do not require a lot of cell phone usage, yet want to save money on their cell phone bill.

So December 7th:
Unlimited changes from $44.95 to $39.95 and includes:
Unlimited Talk
Unlimited text/mms(not including data)
20mb of DataDecember 20th:
$12 plan starts and includes:
250 minutes
250 text/mms(not including data)
10mb data

OfficeMax.com 100% back in rewards on select markers, pens, and compass 12/01-12/03
This is still a work in progress as OfficeMax has not updated the MaxPerks Rewards page which will include the terms.The product pages have been updated though (thanks to MinhTrinh on SD).
MaxPerks Rewards offers for the week: LINK.
December 01, 2011 thru December 03, 2011: Link to all 100% back in rewards items
Sharpie Twin Tip Fine Point and Ultra Fine Point Permanent Markers, 4 Colored Markers [10121067] $7.49 LINKMr. Sketch Scented Stix Watercolor Markers, 10 Assorted Markers [11001364] $5.29 LINKSharpie Essentials Combination Marker, Pen, Pencil and Highlighter Pack [1790807] $4.00 LINKHelix 9" Professional Compass [11115704] $4.29 LINKExpo Vis-A-Vis Wet-Erase Markers, 4 Colored Markers [10001017] $5.19 LINKStained by Sharpie Brush Tip Fabric Markers, 4 Colored Markers [22462915] $4.00 LINK
--- Buy 2, Get 1 FREE
November 27, 2011 thru December 03, 2011 (CAN NOT DO AGAIN THIS WEEK IF ALREADY DONE THIS WEEK):$8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) LINK
--- limit 1 per item per member, maximum $8.48 Bonus Reward per item per member
--- valid in-store, online and/or via phone$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) LINK
--- limit 1 per item per member, maximum $14.28 Bonus Reward per item per member
--- valid in-store, online and/or via phone
20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last.$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member.$40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). Note 00: Buy X Get Y Free offers do combine with the bonus rewards offers regardless of how the email confirmation presents the order information. In this case, all the Sharpie Buy 2 Get 1 Free offers are linked together and the least expensive item(s) are being credited as the "Free" items.Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Limits may apply; see product offer for details. [100% Bonus Rewards on select desktop needs available from November 27, 2011 thru November 30, 2011. 100% Bonus Reward on EXPO Scents Whiteboard Markers (item# 20083133) Online only. 100% Bonus Reward on Liquid Paper Dryline Grip Correction Film, 2/pk (item# 10119551) Online only. 100% Bonus Reward on Royal Two Cool Color Posterboards, Gold/Silver (item# 20939335) Online only. 100% Bonus Reward on Sharpie Magnum Permanent Markers, Black or Red (items# 20108198, 20108205) Online only. 100% Bonus Reward on Sharpie Retractable Fine Point Permanent Markers, 3/Pk, Black (item# 21495990) Online only. 100% Bonus Reward on Sharpie Metallic Fine Point Permanent Markers, 4/pk Silver (item# 20206812) Online only. 100% Bonus Reward on uni-ball 207 Retractable Gel Pens, 3/pk Black or Assorted (items# 20686964, 20686973) Online only. All other Bonus Rewards are available from November 27, 2011 thru December 3, 2011. 20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. SAVE $70 instantly plus, $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Limits may apply; see product offer for details. Bonus Rewards above are available from November 27, 2011 thru December 3, 2011. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. Items and related Bonus Rewards are available while supplies last. Members MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/3/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

So I'm Posting this as a warning in that these based on a Google search are really 200 Thread Count but the brand name is "1000 TC" just an FYIhttp://www.tanga.com/products/lexington-luxury-1000-tc-queen-kin...
Enjoy a cool and comfortable nights sleep with exceptionally thin breathable sheets that have a silky soft feel and a lustrous finish. Luxury is not only for the rich, its available for everyone, so pick up a set or two of these Lexington Luxury 1000 TC Queen & King White Bed Sheet Sets, and you too can sleep in comfort! It is not very often that you find great deals on bed sheets, and this deal is no exception. These Lexington Luxury Bed Sheets are made of comfortable and durable microfiber. Microfiber is rapidly becoming one of the most popular materials for the construction of home goods, from couches to pillow cases, the industry is going in the direction of this cost effective and comfortable wonder. You will receive 1 flat sheet, 1 fitted sheet and 4 pillow cases per set!

OFFICE DEPOT LINKIn stores only - check local store for availability. Original Price:$89.99
Instant Savings:-$50.00
Checkout Price:$39.99
Your Low Price $39.99
After Instant Savings
Prices effective through 12/03/2011.

I hadn't seen this posted yet, but there are two variations to the deal.Version 1 from the weekly ad (may not be working online)GET A $10 GIFT CARD WHEN YOU SPEND $50 ON BLU-RAY TITLES OR GET A $20 GIFT CARD WHEN YOU SPEND $100 ON BLU-RAY TITLES More than 1000 titles to choose from
*Offer valid from 11/2712/10/11. Offer excludes music Blu-ray titles. Gift Card good toward future purchase. $20 maximum Gift Card award value. Products must be purchased on the same receipt to receive Gift Card. Online offer may vary.
Prices effective Sunday, Nov.27 - Saturday, Dec.3Version 2 discovered while trying to get Version 1 to work online Link for Version 2
When you buy three Blu-ray, or two Blu-ray 3D titles, priced $14.99 or more, you can get a free $10 gift card. Buy six Blu-ray, or four Blu-ray 3D titles, priced $14.99 or more, and you can get a free $20 gift card.Follow these steps: 1.
* Choose three or six Blu-ray titles priced $14.99 or more and add each of them to your Cart.
* Or, choose two or four Blu-ray 3D titles and add each of them to your Cart. Titles must be ALL Blu-ray or ALL Blu-ray 3D.
2. Return to this page.
3. If you added three Blu-ray or two Blu-ray 3D movies, select the $10 gift card. If you added six Blu-ray or four Blu-ray 3D, select the $20 gift card.
4. Click the Add to Cart button at the bottom of the page.In-store offer varies. Items may ship separately.

YNAB 3 - Digital download
LinkReg:$60
Sale: $39YNAB 3 is YouNeedABudget.coms flagship personal budgeting software. Built on the solid principles of the YNAB Methodology, YNAB 3 is a simple & effective software package built to do one thing extremely well: Help you become absolutely awesome at managing your money.Other reasons youll love YNAB:
Install it on as many computers as you like for your entire household.
You can always download another copy.
We have a 30-day moneyback guarantee.
You can install and run YNAB on your Mac laptop, Windows PC, Windows netbook, etc.
Our support is free (and awesome).
Our live, online classes are free (and awesome).System Requirements:
Operating System: Windows or Mac (non-intel Mac users, follow these instructions)
512 MB RAM, 1GHZ or faster processor
Especially this time of year, this is a wonderful bit of software. I've used it for a little over year and am very pleased with the results.

OfficeMax.com 100% back in rewards on select SAFES, backpacks, messenger bags, tablet cases and women's totes 11/28 Cyber Monday
November 28th Cyber Monday: LINK.
100% Bonus Reward on Avery Business Builder Labels and select Avery Clean Edge Business Cards (items# 22980160, 22980179, 22980188, 22980197, 22980204, 23099594, 20006119, 20080537, 20394565, 20822727, 22287767) available Online only, limit 2 per item per member. LINK100% Bonus Reward on select ful iPad Backpacks, Online only, limit 2 per item per member. LINK
++ Until the OfficeMax.com MaxPerks page links are updated, search on "ful ipad" and only select those that state: MAXPERKS EXCLUSIVE. GET 100% BACK IN MAXPERKS BONUS REWARDS. LIMIT 2. ONLINE ONLY. WHILE SUPPLIES LAST. NOT A MEMBER? JOIN TODAY.100% Bonus Reward on select Mobile Edge Bags, Online only, limit 2 per item per member. LINK
++ Until the OfficeMax.com MaxPerks page links are updated, search on "mobile edge" and only select those that state: MAXPERKS EXCLUSIVE. GET 100% BACK IN MAXPERKS BONUS REWARDS. LIMIT 2. ONLINE ONLY. WHILE SUPPLIES LAST. NOT A MEMBER? JOIN TODAY.100% Bonus Reward on Mesa 2.0cu Fire Safe (item# 22484571) Online only, limit 1. LINK100% Bonus Reward on select Chloe Dao Tablet Cases (items# 23248442, 23248451) Online only, limit 2 per item. LINK
++ I can not find any with the 100% back notation
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:??Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Cyber Monday MaxPerks Bonus Reward available November 28, 2011 only. 100% Bonus Reward on Avery Business Builder Labels and select Avery Clean Edge Business Cards (items# 22980160, 22980179, 22980188, 22980197, 22980204, 23099594, 20006119, 20080537, 20394565, 20822727, 22287767) available Online only, limit 2 per item per member. 100% Bonus Reward on select ful iPad Backpacks, Online only, limit 2 per item per member. 100% Bonus Reward on select Mobile Edge Bags, Online only, limit 2 per item per member. 100% Bonus Reward on Mesa 2.0cu Fire Safe (item# 22484571) Online only, limit 1. 100% Bonus Reward on select Chloe Dao Tablet Cases (items# 23248442, 23248451) Online only, limit 2 per item. Bonus Rewards. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Hi all,Wondering what is the most effective way to benefit the truly needy as the holidays come along. Salvation Army? Third world development? Ect. I'm trying to be more intentional about giving - being that my impression is that people are more likely not to give these days and helping organizations are cash strapped (more than normal). No need to boast here. But where do you like to give? What do you think works?Thanks.

OfficeMax.com 100% back in rewards on select markers, pens, posterboards, and Duracell batteries and other stuff 11/27-11/30
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
November 27, 2011 thru November 30, 2011: Link to all 100% back in rewards items100% Bonus Reward on EXPO Scents Whiteboard Markers (item# 20083133) Online only. [l=LINK]100% Bonus Reward on Liquid Paper Dryline Grip Correction Film, 2/pk (item# 10119551) Online only.100% Bonus Reward on Royal Two Cool Color Posterboards, Gold/Silver (item# 20939335) Online only.100% Bonus Reward on Sharpie Magnum Permanent Markers, Black or Red (items# 20108198, 20108205) Online only.
--- Buy 2 Get 1 Free at least for the color black. See Note 00 below.100% Bonus Reward on Sharpie Retractable Fine Point Permanent Markers, 3/Pk, Black (item# 21495990) Online only.
--- Buy 2 Get 1 Free. See Note 00 below.100% Bonus Reward on Sharpie Metallic Fine Point Permanent Markers, 4/pk Silver (item# 20206812) Online only.
--- Buy 2 Get 1 Free. See Note 00 below.100% Bonus Reward on uni-ball 207 Retractable Gel Pens, 3/pk Black or Assorted (items# 20686964, 20686973) Online only.
$8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) LINK
--- limit 1 per item per member, maximum $8.48 Bonus Reward per item per member
--- valid in-store, online and/or via phone$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) LINK
--- limit 1 per item per member, maximum $14.28 Bonus Reward per item per member
--- valid in-store, online and/or via phone
20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last.$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member.$40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). Note 00: Buy X Get Y Free offers do combine with the bonus rewards offers regardless of how the email confirmation presents the order information. In this case, all the Sharpie Buy 2 Get 1 Free offers are linked together and the least expensive item(s) are being credited as the "Free" items.Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Limits may apply; see product offer for details. 100% Bonus Rewards on select desktop needs available from November 27, 2011 thru November 30, 2011. 100% Bonus Reward on EXPO Scents Whiteboard Markers (item# 20083133) Online only. 100% Bonus Reward on Liquid Paper Dryline Grip Correction Film, 2/pk (item# 10119551) Online only. 100% Bonus Reward on Royal Two Cool Color Posterboards, Gold/Silver (item# 20939335) Online only. 100% Bonus Reward on Sharpie Magnum Permanent Markers, Black or Red (items# 20108198, 20108205) Online only. 100% Bonus Reward on Sharpie Retractable Fine Point Permanent Markers, 3/Pk, Black (item# 21495990) Online only. 100% Bonus Reward on Sharpie Metallic Fine Point Permanent Markers, 4/pk Silver (item# 20206812) Online only. 100% Bonus Reward on uni-ball 207 Retractable Gel Pens, 3/pk Black or Assorted (items# 20686964, 20686973) Online only. All other Bonus Rewards are available from November 27, 2011 thru December 3, 2011. 20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. SAVE $70 instantly plus, $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/3/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.[/L]

OfficeMax.com 100% back in rewards on select markers, pens, posterboards, and Duracell batteries and other stuff 11/27-12/03
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
November 27, 2011 thru November 30, 2011: Link to all 100% back in rewards items100% Bonus Reward on EXPO Scents Whiteboard Markers (item# 20083133) Online only.100% Bonus Reward on Liquid Paper Dryline Grip Correction Film, 2/pk (item# 10119551) Online only.100% Bonus Reward on Royal Two Cool Color Posterboards, Gold/Silver (item# 20939335) Online only.100% Bonus Reward on Sharpie Magnum Permanent Markers, Black or Red (items# 20108198, 20108205) Online only.100% Bonus Reward on Sharpie Retractable Fine Point Permanent Markers, 3/Pk, Black (item# 21495990) Online only.100% Bonus Reward on Sharpie Metallic Fine Point Permanent Markers, 4/pk Silver (item# 20206812) Online only.100% Bonus Reward on uni-ball 207 Retractable Gel Pens, 3/pk Black or Assorted (items# 20686964, 20686973) Online only.
$8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) LINK
--- limit 1 per item per member, maximum $8.48 Bonus Reward per item per member
--- valid in-store, online and/or via phone$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) LINK
--- limit 1 per item per member, maximum $14.28 Bonus Reward per item per member
--- valid in-store, online and/or via phone
20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last.$32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member.$40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743).  Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Limits may apply; see product offer for details. 100% Bonus Rewards on select desktop needs available from November 27, 2011 thru November 30, 2011. 100% Bonus Reward on EXPO Scents Whiteboard Markers (item# 20083133) Online only. 100% Bonus Reward on Liquid Paper Dryline Grip Correction Film, 2/pk (item# 10119551) Online only. 100% Bonus Reward on Royal Two Cool Color Posterboards, Gold/Silver (item# 20939335) Online only. 100% Bonus Reward on Sharpie Magnum Permanent Markers, Black or Red (items# 20108198, 20108205) Online only. 100% Bonus Reward on Sharpie Retractable Fine Point Permanent Markers, 3/Pk, Black (item# 21495990) Online only. 100% Bonus Reward on Sharpie Metallic Fine Point Permanent Markers, 4/pk Silver (item# 20206812) Online only. 100% Bonus Reward on uni-ball 207 Retractable Gel Pens, 3/pk Black or Assorted (items# 20686964, 20686973) Online only. All other Bonus Rewards are available from November 27, 2011 thru December 3, 2011. 20% Bonus Reward on $50 in any national brand ink or 2 identical toner cartridges including HP requires a $50 minimum purchase of any national brand ink in the same transaction or purchase of any 2 identical national brand toner cartridges in the same transaction; offer excludes OfficeMax brand ink, toner and ink refill, while supplies last. $32 Bonus Reward on BOISE X-9, 8.5x11 Copy Paper, 10-Ream Case (item# 21403152) limit 2, maximum $64 Bonus Reward per member. $8.48 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member. $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22259681, 22256773) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member. SAVE $70 instantly plus, $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743). Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 12/3/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Artscow.com is now giving out free credits for five regular 8" x 8" and two regular 9" x 7" (20 pages) photo books. All you need to do is to validate the coupon code by November 30 and free credits will be automatically applied to your order.Coupon Code:FREEPHOBKS
Expiry Date :11 / 30 / 2011
Effective Period:30 Days
Validate the coupon code at your Credit & Discount page

UDI U809 CobraOn sale for $24.70
Typical Shipping $9UDI U809 Cobra Missile Launching 3CH Micro RC Helicopter w/ Gyro RTF (Gray)Want a helicopter that can do more than just flying? How about throwing missiles too at your target? If so, then the innovative UDI U809 Cobra is your best choice! With two spring loaded missiles on each side, they are waiting to launch anytime with just a touch at your finger tip to the fire button. Missile Away!This detailed 2011 version is beautifully designed and made in high strength plastic, so it can survive more bumps and fights than other competitors, at the same time perfect for beginners to get into their new hobby.The U809 Cobra is able to fly freely in 6 directions, as a high-tech 4-in-1 infrared 3 Channel controller (Gyro+ ESC+Mixer+Receiver) is included. You can lock the throttle in any position, so it can hover and stay in the air impressively with your hands free. Also since it flies stably and quietly with its Camouflage color, you can take your time aiming at your target and fire away.Features:Designed for: Anyone over 8 years old
Fly in the Dark: LED light installed at the front of the helicopter body.
Fly in 6 directions:
- Rotate Clockwise / Anti-Clockwise
- Move Up / Down
- Move Forward / Backward
Missile System: Fire at anything two meters away
Recharge Battery easily: From the transmitter or through a computer USB socket
I-Helicopter Adapter for Iphone & Android Device Capability (Sold Separately) Not IncludedPackage includes: Helicopter
3 CH Remote Controller (Batteries not included)
Pack of missiles
Bonus Main Blades and Tail Rotor
USB Charging Wire
Manual
Specs:
-Dimensions: 22x 4.8 x 10.5cm
-Weight: 513g
-Radio: 4-in-1 infrared 3 Channel (Gyro+ ESC+Mixer+Receiver)
-Material: ABS material
-Battery for helicopter: 3.7V160mah
-Charging time: 45 minutes
-Flying Time: 6 to 8 minutes
-Effective distance: 10 meters aboveTransmitter requires 6 x AA dry cells (not included)

I've been watching the prices of GTX 570s for a while on Newegg, and this is the cheapest I've seen in a while. I've never bought a Galaxy card before.... any thoughts from fellow FWers?link to product on Newegg
Link to rebate4/5 stars on NeweggChipset Manufacturer: NVIDIA
Core: 732MHz
Shader Clock: 1464MHz
Stream Processors: 480 Processor Cores
Effective Memory Clock: 3800MHz
DirectX: DirectX 11
OpenGL: OpenGL 4.1
HDMI: 1 x mini HDMIComes with Batman Arkham City ($50 value)

http://www.ingdirect.com/blackfriday/Get sign-up bonuses ranging from $27 to $107 for opening certain accounts.$107: Electric Orange checking:Open Electric Orange November 25th 27th and make a total of 5 purchases (either signature or PIN-based) using your
Electric Orange Card or Person2Person Payments (or any combination of the two) within 45 days. Your $107 bonus will be automatically deposited into your account on day 50.Bonus only available for new Electric Orange checking.
Oh, and no need to enter a Reference Code or anything when you open your Electric Orange. Well take care of everything. $100: roll over your 401(K)into a Sharebuilder IRA $100: Sharebuilder brokerage account: Just open a new account between November 25 27 and complete two trades by January 31. $30: Open MONEY account 11/25-11/27 make 1 Card transaction (either signature, PIN-based or with PayPassTM) using your MONEY Card within 30 days and we'll put a $32 bonus into your new account.Keep in mind, the teen gets the Card.Your $32 bonus will be automatically deposited into your account on day 35.There's no minimum deposit amount required. 0.25% Variable Annual Percentage Yield effective as of 07/13/2011.  $27: Kids Savings AccountOpen a Kids Savings Account November 25th 27th and well put a $27 bonus into your new account.Only available when you open a new account with at least one new Customer (either you or the kiddo must be a new Customer to ING DIRECT). $27 bonus starts earning interest upon account opening, and is available for withdrawal after 30 days.There's no minimum deposit amount required. 0.90% Variable Annual Percentage Yield effective as of 10/21/2011.

Danelectro Pedals Players Choice
$13.99
+ $5.00 shipping
Condition - New
LinkToday we are offering any one(1) of these pedals for just 13.99 plus 5 bucks for shipping. - The descriptions are below... The Chorus pedal and Flange pedals are not pictured above but we do have them as an option - The chorus pedal looks the same as the others but is blue - The Flange looks the same too but is orange!Fat and warm vintage distortion, priced for players.In the late '70s a tiny effects maker in Japan produced a small quantity of what many believe is the definitive distortion box. It had delicious tonality and was highly responsive and versatile. Recently, a boutique pedal maker has reissued that box at $300+. Danelectro offers you the D-1 Fab Distortion as a sonic equivalent to the prized original. It's equipped with Level, Tone, and Distortion controls. You'll adore it.Danelectro D-1 Fab Distortion Features: Warm vintage distortion
Responsive
Versatile
Level, Tone, and Distortion knobsPlug into the FAB Metal and hear your tone erupt!Loads of midrange and high-frequency output will take your metal tone to wicked new levels. Unleash harmonic squeals and massive amounts of sustain with ease. Level, Tone, and Gain knobs provide simple yet effective control.Danelectro D-3 FAB Metal Effect Pedal Features: Level, Tone, Gain controls
Killer sustainCoveted overdrive sounds in a fab little pedal.History was made in 1975 when a mom and pop store in California commissioned the production of just 200 of what is perhaps the best overdrive effect ever. Unlike any other unit, that pedal authentically simulated the breakup that occurs when a tube amp is run at full volume. You will occasionally see an original in the stage rig of a major artist. IF you could find an original offered for sale, you should probably sit down before inquiring about the price . . . . Danelectro puts this classic in your hands without wiping out your financial portfolio. Level, Tone, and O.D. controls.Danelectro D-2 Fab Overdrive Features: Realistic tube overdrive
Responsive
Versatile
Level, Tone, and O.D. (Overdrive) knobs Airy, complex guitar tone for next to nothing. Chorus is a great way to fatten your rhythms and add character to your leads. Now Dano lets you do it on a shoestring with the Danelectro Fab chorus. Full controls include mix, speed, depth, and effect on/off foot button. Cool retro-futuristic design is small and tough with a rubber base. Runs on 9V battery.Danelectro Fab Chorus D-5Features: Mix, speed, and depth controls
Rugged and sharp design
Large, springy button
9V operation, battery
Rubber base

If you missed out on the G53SW for $899.99 - $100 rebate on Newegg not long ago, here is an alternative. The newer G53SX is essentially the same price after you factor in tax and apply 5% FatCash back.As far as I know, the main difference is the latter comes with a newer Nvidia video card. Even though it's a higher model #, some are indicating that the performance is slightly lower than the older model that came with the G53SW.+ this G53SX offered by TigerDirect comes with a BD-ROM/DVD burner combo drive.
+ this new model may not be afflicted by the issues reported by many with the G53SW (lines appearing on the display, and power button not working).
- this G53SX has only a 5400 RPM drive while the G53SW on Newegg had 7200rpm drive.
- this G53SX has only 1 year warranty/1 year accidental coverageIt's a pretty powerful quad core notebook, with 1920x1080 led display. Meant to be more of a desktop replacement than a portable device. The cooling design has been praised as being very quiet and effective.May be a good option for those who want to keep their laptop budget below $1000, and want the simplicity and space savings of computing with a laptop instead of a desktop at home.LinkSpecifications

ASUS G53SX-XT1 15.6" Laptop Computer Memory Type: DDR3


Memory Speed: PC3-10600


Memory Speed MHz: 1333MHz


Memory Slots (Total): 4


Total Memory Size: 8GB


Maximum Memory Supported: 16GB


Display Type: Full HD Display


Screen Size: 15.6"


Maximum Resolution: 1920 x 1080


Processor Class: Core i7


Processor Brand: Intel


Processor Type: Quad-Core


Processor Speed: 2.0GHz


Processor Number: i7-2630QM


Lifestyle: Gaming
Entertainment


Condition: New


Operating Systems: Windows 7 Home Premium 64-Bit


Platform: Laptop


Capacity: 640GB


Drive Types: Hard Drive


Hard Drive Speed: 5400 RPM


Graphics Description: Dedicated Graphics


GPU/VPU: NVIDIA GeForce GTX 560M


Video Memory: 2GB GDDR5


Optical Drive Type: Blu-Ray Player


Optical Drive: DVD Super Multi Burner/BD Player


Capacity: 4-in-1


Supplemental Drive Type: Media Reader


Media Types: Secure Digital (SD)
Memory Stick PRO
MultiMediaCard (MMC)
Memory Stick (MS)


Audio Description: Integrated Audio


USB Ports (Total): 3 - USB 2.0
1 - USB 3.0


LAN Ports: 1


Audio Out Jacks: 1


Microphone Jacks: 1


VGA Ports: 1


HDMI Ports: 1


Communications Description: Integrated LAN
Integrated Wireless LAN
Integrated Bluetooth


Interface Type: RJ-45 Ethernet Connector
Bluetooth
802.11b/g/n Wireless Networking


Data Transfer Rate: 10/100/1000Mbps Network


Protocols: 802.11b
802.11g
802.11n


Width: 15.6"


Height: 0.8" - 2"


Depth: 11.7"


Weight: 8.7 lbs


Mouse Type: Touch Pad


Battery Type: 8-Cell Lithium-ion


Color: Black


Specification Notes: [6] To provide the most accurate specifications, the specifications listed are base upon information provided by the vendor.


Integrated Webcam: Yes


Webcam Resolution: 2.0MP

LINK$59.99 - $30 Rebate = $29.99Part of Frys one day sale for 11/23.Item is available for shipping. However as always with frys, items available for shipping are limited. Mostly B&M.Cheapest shipping right now is economy $2.99 which might go up when deal goes live. Has happened before. Will update when deal is live.Frys sales usually start 2 AM PST.Designed with overclockers in mind, Corsair Vengeance DDR3 memory modules use carefully selected RAMs to enable excellent overclocking results on current and future generation Intel and AMD platforms. All initial Vengeance memory modules have a low 1.5V supply voltage for maximum compatibility and energy efficiency. Aluminum heat spreaders help dissipate heat effectively while providing an aggressive appearance for your gaming rig. As a bonus, the attractive low price of Vengeance memory will also leave lots of room in your system build budget.Vengeance DDR3 memory is available in single module, and two or three module kits, with sizes ranging from 4GB all the way up to 16GB, making it easy for you to match the DIMM population requirements of your motherboard.Model CMZ12GX3M3A1600C9Speed DDR3 1600 (PC3 12800)Cas Latency 9Timing 9-9-9-24Voltage 1.5VBuffered/Registered UnbufferedMulti-channel Kit Triple Channel KitHeat Spreader Yes

http://www.bedeals.com/index.php/noon-bedealSurge your network with surefire data transfers in full duplex mode with the EtherFast 10/100 Autosensing Switches. Delivering a fast and easy cost-effective boost to your network performance, these EtherFast Switches seamlessly migrate your network to the unprecedented speed and power of Fast Ethernet. Each of its independently switched 10/100 ports yield up to a remarkable 200Mbps bandwidth in full duplex mode, and protect your PCs from downed network segments through auto-partitioning.

Here!Lots of sale items.8GB iPod nano for $129 and $15 Target gift card with purchaseSelected LEGO building sets (Reg $99.99), $64.99Preschool board games (Chutes and Ladders, Candyland, etc), $3.99

OfficeMax.com 100% back in rewards on select markers, highlighters and liquid pencils 11/20-11/23
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
This week MaxPerks is offering two separate MaxPerks rewards offers. One runs from 11/20-11/23 and the other from 11/24-11/26. For the offer starting 11/24, please see the thread:OfficeMax.com 100% back in rewards on select markers, binder clips, pens, and Expo items 11/24-11/26
-----------------------IMPORTANT NOTE: The 100% back in rewards offers for this offer are either unlimited or limited to $40. The ad text states "Up to $40 in MaxPerks Bonus Rewards". While this could apply to all the 100% back in rewards items in total, it is not mentioned in the offer's terms. I do not recall a similar restriction in the past.-----------------------
Select Bonus Reward offers are available online only from November 20, 2011 thru November 23, 2011: Link to all 100% back in rewards items100% Bonus Reward on Mr. Sketch Markers, 18/pk, (item# 21208774) LINK100% Bonus Reward on EXPO Neon Color Markers, 5/pk (item# 22244581) LINK100% Bonus Reward on Liquid Dry Paper Dryline Grip Correction Film (item# 21668198) LINK100% Bonus Reward on Sharpie Accent Pen-Style Retractable Highlighters (item#20969043) LINK100% Bonus Reward on Sharpie Liquid Pencils (item# 22333280) LINK $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), limit 2, maximum $70 Bonus Reward; LINK30% Bonus Reward on all DYMO Label Makers available, limit 5 Bonus Rewards per member. LINK
Note 00: The ad text states "Up to $40 in MaxPerks Bonus Rewards". While this could apply to all the 100% back in rewards items in total, it is not mentioned in the offer's terms. I do not recall a similar restriction in the past.Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Select Bonus Reward offers are available from November 20, 2011 thru November 23, 2011; offers include 100% Bonus Reward on Mr. Sketch Markers, 18/pk, (item# 21208774) online only; 100% Bonus Reward on EXPO Neon Color Markers, 5/pk (item# 22244581) online only; 100% Bonus Reward on Liquid Dry Paper Dryline Grip Correction Film (item# 21668198) online only; 100% Bonus Reward on Sharpie Accent Pen-Style Retractable Highlighters (item#20969043) online only; 100% Bonus Reward on Sharpie Liquid Pencils (item# 22333280) online only; $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), limit 2, maximum $70 Bonus Reward; online only. Select Bonus Reward offers are available from November 24, 2011 thru November 26, 2011; select offers include 100% Bonus Reward on Sharpie Chisel Tip Black Markers, 12/pk (item# 20475914) online only; 100% Bonus Reward on DiVoga Stripe with Grip Binder Clips (item# 21685473) online only; 100% Bonus Reward on Paper Mate Ink Joy 300 RT Black Pens, 12/pk (item# 22976665) online only; 100% Bonus Reward on EXPO Cleaning Wipes (item# 20711044) online only; 100% Bonus Reward on EXPO Low Odor Chisel Tip Dry Erase Markers, 4/pk assorted (item#10014824) online only; 100% Bonus Reward on EXPO Washable Markers, Fine and Bullet Tip, 6/pk assorted (items# 22244260, 22244279) online only; 100% Bonus Reward on EXPO Cling 14x10 Dry Erase Boards and Erase Calendar Boards (items# 23130247, 23130256); $8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member; $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member; $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743) limit 2, maximum $80 Bonus Reward per member; $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), in-store and online, limit 2, maximum $70 Bonus Reward. All other Bonus Reward offers are available from November 20, 2011 thru November 26, 2011; offers include 30% Bonus Reward on all DYMO Label Makers available online only, limit 5 Bonus Rewards per member. Members MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 11/26/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail Connect(SM) pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

OfficeMax.com 100% back in rewards on select markers, binder clips, pens, and Expo items 11/24-11/26
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.This week OfficeMax is offering two separate MaxPerks rewards offers. One runs from 11/20-11/23 and the other from 11/24-11/26. For the offer starting 11/20, please see the thread:OfficeMax.com 100% back in rewards on select markers, highlighters and liquid pencils 11/20-11/23
Select Bonus Reward offers are available from November 24, 2011 thru November 26, 2011 (online only unless otherwise noted):100% Bonus Reward on Sharpie Chisel Tip Black Markers, 12/pk (item# 20475914) LINK100% Bonus Reward on DiVoga Stripe with Grip Binder Clips (item# 21685473) LINK100% Bonus Reward on Paper Mate Ink Joy 300 RT Black Pens, 12/pk (item# 22976665) LINK100% Bonus Reward on EXPO Cleaning Wipes (item# 20711044) LINK100% Bonus Reward on EXPO Low Odor Chisel Tip Dry Erase Markers, 4/pk assorted (item# 10014824) LINK100% Bonus Reward on EXPO Washable Markers, Fine and Bullet Tip, 6/pk assorted (items# 22244260, 22244279)
--- Expo Washable Bullet Tip Dry Erase Markers, 6 Assorted Markers (item# 22244260) LINK
--- Expo Washable Fine Tip Dry Erase Markers, 6 Assorted Markers (item# 22244279) LINK100% Bonus Reward on EXPO Cling 14x10 Dry Erase Boards and Erase Calendar Boards (items# 23130247, 23130256)
--- valid in-store, online and/or via phone
------ Expo Cling 14" x 10" Dry Erase Calendar Wall Decal (item# 23130247) LINK
------ Expo Cling 14" x 10" Dry Erase Wall Decal (item# 23130256) LINK$8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) LINK
--- limit 1 per item per member, maximum $8.48 Bonus Reward per item per member
--- valid in-store, online and/or via phone$14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) LINK
--- limit 1 per item per member, maximum $14.28 Bonus Reward per item per member
--- valid in-store, online and/or via phone$40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743) limit 2, maximum $80 Bonus Reward LINK
--- valid in-store, online and/or via phone$35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184) limit 2, maximum $70 Bonus Reward LINK
--- valid in-store and online Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Select Bonus Reward offers are available from November 20, 2011 thru November 23, 2011; offers include 100% Bonus Reward on Mr. Sketch Markers, 18/pk, (item# 21208774) online only; 100% Bonus Reward on EXPO Neon Color Markers, 5/pk (item# 22244581) online only; 100% Bonus Reward on Liquid Dry Paper Dryline Grip Correction Film (item# 21668198) online only; 100% Bonus Reward on Sharpie Accent Pen-Style Retractable Highlighters (item#20969043) online only; 100% Bonus Reward on Sharpie Liquid Pencils (item# 22333280) online only; $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), limit 2, maximum $70 Bonus Reward; online only. Select Bonus Reward offers are available from November 24, 2011 thru November 26, 2011; select offers include 100% Bonus Reward on Sharpie Chisel Tip Black Markers, 12/pk (item# 20475914) online only; 100% Bonus Reward on DiVoga Stripe with Grip Binder Clips (item# 21685473) online only; 100% Bonus Reward on Paper Mate Ink Joy 300 RT Black Pens, 12/pk (item# 22976665) online only; 100% Bonus Reward on EXPO Cleaning Wipes (item# 20711044) online only; 100% Bonus Reward on EXPO Low Odor Chisel Tip Dry Erase Markers, 4/pk assorted (item#10014824) online only; 100% Bonus Reward on EXPO Washable Markers, Fine and Bullet Tip, 6/pk assorted (items# 22244260, 22244279) online only; 100% Bonus Reward on EXPO Cling 14x10 Dry Erase Boards and Erase Calendar Boards (items# 23130247, 23130256); $8.48 Bonus Rewards on DURACELL CopperTop AA or AAA Batteries, 10-Pack (items# 22226538, 22258664) limit 1 per item per member, maximum $8.48 Bonus Reward per item per member; $14.28 Bonus Reward on DURACELL CopperTop AA or AAA Batteries, 20-Pack (items# 22256773, 22259681) limit 1 per item per member, maximum $14.28 Bonus Reward per item per member; $40 Bonus Reward on Lexmark Prospect Pro205 Wireless Inkjet All-in-One Printer (item# 22101743) limit 2, maximum $80 Bonus Reward per member; $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), in-store and online, limit 2, maximum $70 Bonus Reward. All other Bonus Reward offers are available from November 20, 2011 thru November 26, 2011; offers include 30% Bonus Reward on all DYMO Label Makers available online only, limit 5 Bonus Rewards per member. Members MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 11/26/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail Connect(SM) pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.
-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Here's scans of the toysrus sale effective 11/20-11/23Coupon on the front page is for $10 gift card with qualifying $75 purchase through 11/23.

Today only, you can receive 10x Rakuten points on any purchase made at Buy.com. This is effectively a 10% store credit.
You must enroll using this link.
http://www.buy.com/ct/Rakutensuperpoint/default.aspx?campaignid=...

It's on sale again this week. This time with an $8 mail in rebate.In store Price: $38
Mail in rebate: $8Final Price: $30 + taxI have been running this case for 3 years now and it has been amazing. Nice sleek style and very effective with cooling and housing top quality components. I am very pleased with mine.Antec 300 Case - Website seems to be down at the moment (thurs night)...

http://www.groupon.com/deals/university-of-florida-alumni-associ...
Sending alumni dues to a university helps the school improve its image almost as effectively as dressing up as its mascot to fight crime each night. Unmask your loyalties with today's Groupon to the UF Alumni Association. Choose between the following options:For $20, you get a single annual membership valid for one year (a $40 value).
For $25, you get a joint annual membership for two people valid for one year (a $50 value).The UF Alumni Association, established by the class of 1906, connects University of Florida grads and their supporters in an ever-widening network of events, outreach, and discounts. Available to grads, family, and general supporters of the academic bulwark, alumni membership grants a staggering array of benefits, including covering protection fees to alligator-run mafias. Benefits range from free admission to the Orange & Blue spring football game and discounted Miami Dolphins tickets to bargains on car rentals and spa packages and at a slew of restaurants. Members also flip through four installments of the association's UF Today magazine, keeping current on campus news and staff research. Local Gator Clubs, free with this deal, bring fellow fans together, like teleportation gone horribly wrong, for Gator football parties and help organize outreaches and Gator-themed escapades. This offer is redeemed online by visiting this website.The UF Alumni Association offers a discounted rate for recent University of Florida graduates, but this Groupon still offers the best deal available.

Just got a letter today informing me of changes to my checking account. Looks like free checking is going away at Union Bank of California.
This was one of the last local free checking accounts too and was suppose to be free checking for life. Probably had this account for 10 years.As of January 1, 2012, your current Union Bank checking account will be renamed Union Bank Essentials Checking.

Union Bank offers multiple options for waiving the monthly service charge on this account. Effective January 1, 2012, the monthly service charge can be waived if you meet at least one of the following criteria during each statement period:

* Have at least one direct deposit of $100 or more, OR
* Maintain an average monthly balance of $1,500 or more in your checking account, OR
* Maintain a $5,000 average monthly combined balance or more in linked deposit accounts

Meeting at least one of the above criteria will keep your account from incurring a monthly service charge of $8 if you receive online statements, or $10 if you receive paper statements.

* The determination of the January 2012 fee will be based upon account balanced or activity started on the date your December statement period begins.I'll post a scan when I get home later.Their website still lists free checking as of Nov 15, 2011.

The Gamma places a premium on effective airflow with 6 fan capability including dedicated VGA/CPU cooling and a unique front panel design that allows extra air to enter through the front. NZXT also includes pre-drilled watercooling holes on the backplate and mounting holes for a dual radiator at the topText

OfficeMax.com 100% back in rewards on Sharpies, 75% back on Avery marketing labels, $20 back on Avery 5160 labels 11/13-11/19
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.Online Only.-----------------------IMPORTANT INFORMATION REGARDING ROLLING OF REWARDS:Rewards will probably only partially roll for the Sharpie and Avery Marketing Solution Labels offers.While rewards generally roll on bonus rewards offers, rewards do not roll on the non item specific 25% back in rewards offer that is in effect this week. This is an issue for the Sharpie and Avery Marketing Solution Labels offers as they are a combination of two bonus rewards offers: one the item specific kind (75% back and 50% back respectively) and one the non item specific kind (25% back). So while rewards will roll for the item specific 75% back and 50% back, they will not roll for the non item specific 25% back.-----------------------
100% Bonus Reward on Sharpie Fine Point Permanent Markers, 12-pack black (item# 10000722) limit 3 LINK
++ member must enter promo code MPEVENT4 in order to receive 100% Bonus Reward; member will only receive 75% Bonus Reward if MPEVENT4 is not entered in the shopping cart.100% Bonus Reward on Sharpie Fine Point Permanent Markers, 12-pack assorted (item# 20146272) limit 3 LINK
++ member must enter promo code MPEVENT4 in order to receive 100% Bonus Reward; member will only receive 75% Bonus Reward if MPEVENT4 is not entered in the shopping cart.75% Bonus Reward on Avery Marketing Solution Labels (items# 22980179, 22980160, 22980188, 22980197, 22980204, 23099594) limit 2 per item LINK
++ member must enter promo code MPEVENT4 in the shopping cart in order to receive 75% Bonus Reward; member will only receive 50% Bonus Reward if MPEVENT4 is not entered in the shopping cart.$20 Bonus Reward on Avery 5160 Easy Peel White Address Labels (item# 07001497) $26.99, limit 2, maximum $40 Bonus Reward per member. LINK$35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184) 44.99, limit 2, maximum $70 Bonus Reward LINK
--- offer not valid with 25% Bonus Reward.
--- offer valid instore, online and by phone
Note 00: For the Sharpie and Avery Marketing Solution Labels MaxPerks offers, promo code MPEVENT4 must be entered in the shopping cart to qualify Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Reward offers are available November 13, 2011 thru November 19, 2011. For 25% MaxPerks Bonus Reward, offer valid in all stores, online or by phone. Rewards Pass/coupon, phone promo code or online promo code and Members MaxPerks ID card must be presented at time of purchase; not valid on computers, tablets, eReaders, Hammermill 8.5x11 Copy Plus Paper 10-Ream Case (item# 06011184), gift cards, general-use prepaid cards, phone cards, Sprint service plans, purchases with Retail Connect (SM) pricing, sales tax, purchases made prior to the date of enrollment and purchases with a MaxPerks Rewards Card. Cannot be combined with any other coupon. $35 Bonus Reward offer on Hammermill Copy Paper, 10-ream case (item# 06011184), limit 2, maximum $70 Bonus Reward; offer not valid with 25% Bonus Reward. 100% Bonus Reward on Sharpie Fine Point Permanent Markers, 12-pack black (item# 10000722) limit 3, online only, member must enter promo code MPEVENT4 in order to receive 100% Bonus Reward; member will only receive 75% Bonus Reward if MPEVENT4 is not entered in the shopping cart. 100% Bonus Reward on Sharpie Fine Point Permanent Markers, 12-pack assorted (item# 20146272) limit 3, online only, member must enter promo code MPEVENT4 in order to receive 100% Bonus Reward; member will only receive 75% Bonus Reward if MPEVENT4 is not entered in the shopping cart. 75% Bonus Reward on Avery Marketing Solution Labels (items# 22980179, 22980160, 22980188, 22980197, 22980204, 23099594) limit 2 per item, online only, member must enter promo code MPEVENT4 in the shopping cart in order to receive 75% Bonus Reward; member will only receive 50% Bonus Reward if MPEVENT4 is not entered in the shopping cart. $20 Bonus Reward on Avery 5160 Easy Peel White Address Labels (item# 07001497) limit 2, online only, maximum $40 Bonus Reward per member. Members MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustment will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Rewards Cards expire 90 days from date of issuance, except in Florida where they expire one(1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Ad is effective 11/13-19 and OVERRIDES the month ad that is online. This one is not yet online. SALES VERIFIED BY MR. CHEAP. Call your local Pep Boys is you don't believe this post!!Peak 1million Candle Spotlight $10 less $10 mir = FREECyclone Air Compressor Mini $20 - $5 mir = $15 sku MF1040Dura Max 113 Pc Tool Set (UA50051A) $20- $5 MIR
or Trade Pro 164 pc set $30- $5 MIR sku 837364Trade Pro 18v Cordless Drill #836710 $20 - $5 MIRTorin two ton Trolley Jack $20 less $10 MIR = $10 #T82002PEAK PWER INVERTERS $10 a $30 MIR 400 Tailgate or Household to to 12v in car use (SKUs PKCOBO or PKCOAJ-03)Champion Platnm. Spark Plugs 48cents ea after $2MIR limit 16Peak Jump Starter 600amp $27.99 after $10mir #PKCOAODIY Castrol GTX Oil Change $12 a/MIR (inc 5qts castrol conventional MO and classic Castrol oil filter)Silver Star ULTRA TWIN PACK Headlights $34.99 (after $15mir)3M Headlight Renewal Kit $19.99 (after $5mir)BOGO a/MIR RainX Repel Wipers

HP Officejet 6500A e-All-in-One plus a year's worth of HP Ink
http://www.shopping.hp.com/store/product/product_detail/901980?a...
then add code 25DEALIGG for 25 off 125 effectively making the price 134.00 with free shipping

Shoei RF-1000 motorcycle helmet $200 shipped
Competition Accessories is having a one week close out sale on the Shoei RF-1000 cutlass model in red, sizes med and large are still available. This is considered a top line helmet, even if it's an older model, still an excellent deal.http://www.compacc.com/p/Shoei-RF-1000-Cutlass-Helmets-Red-Close...Information and Details about the Shoei RF-1000 Cutlass Helmets - Red - Closeout
made by Shoei
Click here to see our Discount Shoei Helmets selection at 20-60% off retail.
Aerodynami c Shell Design
Aerodynamic properties are maximized through extensive wind tunnel and rider testing
The Aero Stabilizer dramatically reduces drag and lift coefficients, thus diminishing rider fatigue and increasing performance Two-Layer EPS Liner System
Two-layer liner offers unmatched ventilation with internal channels and exhaust ports throughout the helmet
Integrated Upper Air Intake minimizes air turbulence and maximizes air stream in all riding positions
Outlet holes in the Aero Stabilizer allow warm air to be exhausted
The lower air intake provides an additional source of air flow
The neck outlet vent allows for effective air exhaust
Lightweight, Advanced Integrated Matrix Plus (AIM)
High performance fiber materials are combined with extremely elastic organic fibers to create a shell structure that is ultra lightweight, rigid and resilient Anti-Fog System
The lower air intake provides air flow that helps to diminish shield fog
3D Interior Liner
Removable interior cheek pads available in optional sizes for a custom fit
Chin strap cover can easily be removed to allow for cleaning or replacement CX-1 V Shield and Lock System
Q.R.B.P. (Quick -Release Base Plate) allows tool-less shield removal
A wide, 3-dimensionally curved shield offers increased peripheral vision and optical clarity
Scratch-resistant coating
100% protection form harmful UV A&B rays
A pre-set lever can easily lock the shield in place to prevent it from opening unexpectedly TECHNICAL INFORMATION
Standards: DOT 218, Snell-M2000
Construction: AIM (Advanced Integrated Matrix Plus) materials
Weight: 3.24 lbs /1470 grams (approx.) Pogo / op

I've been putting off rolling over my old 401(k) into an IRA, and one thing is holding me back: the market is so bad right now, is there any advantage to waiting for a little bit before rolling over? I assume I can't write off the losses from a rollover, so effectively I would just be rolling a smaller amount into the IRA.Any thoughts? Am I over-thinking this whole thing?

Open to non-Delaware residents as well: http://deldot.gov/public.ejs?command=PublicNewsDisplay&id=4161Make Holiday Travel Easier with a Free E-ZPass TransponderDMV to Offer Free Transponder for New E-ZPass AccountsDover -- Holiday travel can be a hassle with crowds and weather, but you can make one part of your trip easier. The Delaware Department of Transportation's (DelDOT) Division of Motor Vehicles (DMV) is pleased to announce that beginning on Tuesday, November 1, anyone opening a new E-ZPass account will receive a free transponder for their vehicle, which usually costs $25. "E-ZPass is an effective year-round tool that can be used to make travel in Delaware and around the region easier and more convenient, in addition to the ability to use the highway speed E-ZPass lanes" said DMV Director Jennifer Cohan. "By offering this free transponder for each new account, we are providing users with the opportunity to take advantage of this wonderful resource, while also ensuring that we keep our toll facilities throughout the state running efficiently." There are many easy and convenient ways for you to open a new account and receive your free transponder:- Visit the Delaware E-ZPass Customer Service Center at 26 Old Rudnick Lane in Dover, Delaware
- Call the Delaware E-ZPass Customer Service Center at 1-888-397-2773
- Go to www.ezpassde.com and click on "Get E-ZPass"
- Visit the I-95 Newark Toll Plaza 1200 Whitaker Road Newark, Delaware (24/7)
- Visit the Biddle's Corner Toll Plaza 2111 DuPont Highway in Middletown, Delaware (24/7)
- Visit the Dover Toll Plaza 200 Plaza Drive in Dover, Delaware (24/7)This opportunity is only for a limited time and will end on Saturday, December 31. For more information or to sign up for a new account, please visit www.ezpassde.com.

http://www.tanga.com/products/free-2-pack-fleece-behind-the-ear-...The adjustable, fleece behind-the-head ear muffs are the first and only ear warmers that wrap around the back of your head. The design provides superior warmth and replaces the awkward appearance and marginal effectiveness of traditional and uncomfortable earmuffs. These soft fleece ear warmers are made from high-quality, breathable fleece. Ear warmers wrap around the back of your head, so they can be worn with glasses, helmets, and hats and are not cumbersome while you work.

OfficeMax.com Get 100% back in Rewards on Post-it craft paper, Crayola Color Explosion and 3M hooks, mounting & spray 11/06-11/07
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.Online Only. Sunday and Monday only.100% Bonus Reward promotion on select Post-it, 3M Command, and Crayola supplies, valid online only November 6, 2011 thru November 7, 2011; event includes:Post-it Full Adhesive Craft Paper 8.5x12", assorted jewel or bright tone colors, 6 sheets per pack (items# 23216459, 23216440) limit 4 per item per member
--- Post-it Full Adhesive Craft Paper, 8.5 in x 12 in, Assorted Jewel Tone Colors, 6 sheets/pk [23216459] LINK
--- Post-it Full Adhesive Craft Paper, 8.5 in x 12 in, Assorted Bright Colors, 6 sheets/pk [23216440] LINKCrayola Color Explosion Markers (item# 21005421) limit 4 LINK3M Command Medium Hooks, 6-pack (item# 21490897) limit 4 LINK3M Command Mini Hooks (item# 21913547) limit 4 LINK

3M Super 77 Adhesive Aerosol Spray (item# 07003734) limit 4 LINKScotch Mounting Squares (item# 20406428) limit 4. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. For 2 Day 100% Bonus Reward promotion on select Post-it, 3M Command, and Crayola supplies, valid online only November 6, 2011 thru November 7, 2011; event includes 100% Bonus Reward on Post-it Full Adhesive Craft Paper 8.5x12", assorted jewel or bright tone colors, 6 sheets per pack (items# 23216459, 23216440) online only, limit 4 per item per member; 100% Bonus Reward on Crayola Color Explosion Markers (item# 21005421) online only, limit 4; 100% Bonus Reward on 3M Command Medium Hooks, 6-pack (item# 21490897) online only, limit 4; 100% Bonus Reward on 3M Command Mini Hooks (item# 21913547) online only, limit 4; 100% Bonus Reward on 3M Super 77 Adhesive Aerosol Spray (item# 07003734) online only, limit 4; 100% Bonus Reward on Scotch Mounting Squares (item# 20406428) online only, limit 4. All other Bonus Rewards are available November 6, 2011 thru November 12, 2011. $35 Bonus Reward on Hammermill 8.5x11 Copy Plus Paper, 10-Ream case (item# 06011184) limit 2, maximum $70 Bonus Reward per member. $5.99 Bonus Reward on OfficeMax 8.5x11 All-in-One Paper, 500-Sheet Ream(item# 20910971) limit 2, maximum $11.98 Bonus Reward per member. $15 Bonus Reward on Avery 5160 Easy Peel White Address Labels (item# 07001497) available online only, limit 2, maximum $30 Bonus Reward per member. $10 Bonus Reward on DYMO LM420 P Label Maker (item# 22448031) available online only. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 11/12/2011 unless otherwise indicated.Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, e-Readers, gift cards, general-use prepaid cards, phone cards, Sprint service plans, purchases with a Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Hi there, the advice isn't for me, its for my fiance. A bit of perspective, I've finished med school, now looking to clear my usmle and get a decent surgical residency. I have no debt thankfully. As for my fiance, she has a BA hons in dance and arts and cultural management and is/was a dancer. Due to an unfortunate injury, she won't be able to put so much stress on her knee anymore, thereby eliminating dance as a career. Now she's interested in event management so she can still be around dance/performing arts so she's looking @ going back to school to get either a bachelors in event management or perhaps a certificate course. Thankfully, money isn't exactly a problem for her either. Now, I was curious if anyone here had any advice as to which course/degree would be cost-effective (no point doing a certificate course if no one recognizes it). Any advice would be helpful. Thanks again!P.S. - sorry if the above rambles on or has typos, am typing this on my phone with limited time. Thanks again!

From http://bfads.net/KohlsKohl's 2011 - 527 items


APPAREL
Marc Anthony Sportswear Entire Stock - 40% OFF
Active & Fitnesswear - Tek Gear, FILA Sport, Nike, Adidas, Danskin and NY Apparel - 30% to 60% Off [EarlyBird]
Activelayer Long-Sleeved Crewneck Top for Her - $15.99 [EarlyBird]
All Boots for Family - 30-65% off [EarlyBird]
All Collections, Dresses & Skirts for Juniors - 40% to 60% Off [EarlyBird]
All Dana Buchman, Chaps, Cathy Daniels, Sag Harbor,Requirements & 212 Collection Apparel - 40-50% off
All Goldtoe Socks - B1G1 50% off
All Handbags, Handbag Accessories & Wallets - 50% to 60% Off [EarlyBird]
All Hanes Classic Underwear - B1G1 50% off
All Jockey classics 4-pk. & 6-pk. Underwear - B1G1 50% off
All Jumping Beans Tops and Bottoms for Girls, Boys, Toddlers and Infants - 50% OFF
All Outerwear for Misses and Women (Excludes Columbia Sportswear Company and collections) - 60-70% Off [EarlyBird]
All petites Sportswear From Somona Life + Style, Apt. 9, Croft & Burrow an Sag Harbor - 40-55% off
All Petites' Sportswear - Apt. 9, Croft & Barrow and Sonoma - 60% OFF [EarlyBird]
All Seasonal & Fashion Accessories - 50 - 60% Off [EarlyBird]
All Slippers & Slipper Socks - 50 - 60% Off [EarlyBird]
All Socks, Tights and Leggings for Her - 50 - 60% Off [EarlyBird]
All Women's Sportswear from Apt. 9, Sonoma Life +Style, Croft and Barrow and Daisy Fuentes - 40-55% off
All Women's Sportswear from Croft & Barrow, SONONA and apt. 9 - 60% OFF [EarlyBird]
Apt. 9 Addison Wallet - $16.99 [EarlyBird]
Apt. 9 Cashmere Sweaters for Misses - $34.99 [EarlyBird]
Apt. 9 Clutches or ELLE Wristlets - $23.99 [EarlyBird]
Apt. 9 Essential Long-Sleeved Knit Tee (Misses) - $9.99 [EarlyBird]
Apt. 9 Fashion Sweater for Petites - $19.99 [EarlyBird]
Apt. 9 Puffer Jacket (Misses) - $44.99 [EarlyBird]
Apt. 9 Sportswear Entire Stock - 40-50% off
Apt. 9 Sportswear for Misses, Petites and Women - 50-60% off [EarlyBird]
Boots for Juniors - $19.99 [EarlyBird]
Bras from Bali, Playtex, Olga, Vanity Fair, and More - Entire Stock (Excludes Maidenform
2-pk. bras) - $14.99 [EarlyBird]
Candie's Fasihon Tops for Juniors - $24.99 [EarlyBird]
Candie's Faux Fur Jacket for Juniors - $46.80 [EarlyBird]
Candie's Gigi Balconette Push-Up Bra - $11.99 [EarlyBird]
Carter's 2-pc. Sets for Newborns Select Styles - $10.99
Carter's 3-pc. Quick and Cute Microfleece for Newborns - $13.99
Chaps Sportswear Entire Stock - 40-30% off
Chaps sportswear for Boys, Girls, toddlers and Infants - 50% OFF
Coft & Barrow Essential Wool Coat - $49.99 [EarlyBird]
Corft & Barrow Cozy Cardigan (Misses/Petites) - $9.99 [EarlyBird]
Croft & Barrow all Sportswear for Misses, Petites and Women - 40-55% off
Croft & Barrow Cozy V-Neck Sweater (Misses) - $9.99 [EarlyBird]
Croft & Barrow Crewneck Fleece Tops - $17.99
Croft & Barrow Mockneck Knit Tops - $7.99 [EarlyBird]
Croft & Barrow Parka - $49.99 [EarlyBird]
Croft & Barrow Throw and Bootie Set - $23.99 [EarlyBird]
Croft & Barrow Turtleneck Sweater (Misses) - $9.99 [EarlyBird]
Croft & Barrow Velour & French Terry Separates for Petites - $15.99 [EarlyBird]
Croft & Burrow Fairisle Turtleneck Sweater for Misses - $21.99
Croft & Burrow Select Sheet Sets - 50-60% off
Dockers 9-pk. Handkerchiefs and Valet Tray - $17.99
Dockers Leather Trifold Wallet and Multitool Set - $17.99
Dockers Leather Trifold Wallet and Pocket Knife Set - $17.99
Dockers Leather Trifold Wallet and Reversible Belt Set - $24.99
Dockers Reversible Leather Belt Set - $24.99
Dress Pants for Juniors (Selected Styles) - $21.99 [EarlyBird]
Dresses and Dresswear for Girls, Boys, Toddlers, Infants and Newborns - 50% OFF
Elle an LC Lauren Conrad Collection - 30-50% off
Entire Stock 2-pk. Slipper Socks for Her - $4.99 [EarlyBird]
Entire Stock Apt. 9 Knee-Highs for Her - $5.99 [EarlyBird]
Entire Stock Apt. 9 Pashmina-Style Wrap for her - $9.99 [EarlyBird]
Entire Stock Apt. 9 Tights for her - $5.99 [EarlyBird]
Entire Stock Croft & Barrow 3-pc. Seasonal Accessories Set for Her - $9.99 [EarlyBird]
Entire Stock Croft & Barrow Mufflers for Her - $9.99 [EarlyBird]
Entire Stock Cuddl Duds Warmwear for Her - 50% OFF [EarlyBird]
Entire Stock Dearfoams and Isotoner Slippers (Women's) - 9.99 - 11.99 [EarlyBird]
Entire Stock Isotoner Leather and Suede Gloves for Her - 55% OFF [EarlyBird]
Entire Stock Isotoner Touch Gloves for Her - $19.99 [EarlyBird]
Entire Stock Jumping Beans Bath Wraps - $7.99 [EarlyBird]
Entire Stock Magic and Fashion Gloves for Her - 55% OFF [EarlyBird]
Entire Stock of Wallets for Men - 40% OFF
Entire Stock Slippers from Candie's and Mudd (Juniors) - $14.99 [EarlyBird]
Entire Stock SO Plush Boot Slippers for Her - $14.99 [EarlyBird]
Entire Stock SO Plush Clog Slippers for Her - $6.99 [EarlyBird]
Fashion Tops Entire Stock - 50% OFF
FILA Sport Activewear Entire Stock for Girls - 50% OFF
FILA Sport Athletic Fleece and Windwear - 40-50% off
Fila Sport Fleece Hoodies - $29.99
Fila Sport Performance Fleece Jackets for Misses - $26.99 [EarlyBird]
Free Country Hooded Plaid Soft Shell Jacket - $34.99 [EarlyBird]
Free Country Hooded Reversible Anorak Jacket - $34.99 [EarlyBird]
Graphic Fleece for Young Men - 55% OFF [EarlyBird]
Graphic Tees for Young Men - $8.99 [EarlyBird]
Heart & Soul Lace Top - $25.20 [EarlyBird]
Home Classics Fleece Throw - $3.99 [EarlyBird]
IZ Byer Printed Top for Juniors - $22.80 [EarlyBird]
Jeans, Twill and Uniform Pants for Juniors - Selected Styles - $19.99 [EarlyBird]
Jenifer Lopez Collection - 25-50% off
Knit & Woven Tops and Sweaters - 50% to 60% Off [EarlyBird]
Lee Regular Fit Jeans for Men in Black, Prewash and Rinse - $23.99 [EarlyBird]
Levi's 505 - $37.99
Levi's 514 - $37.99
Levi's 517 - $37.99
Levi's 527 - $37.99
Levi's 550 - $37.99
Levi's 559 - $37.99
Levi's 560 - $37.99
Levi's 569 - $37.99
Mix & Match Any Single Panty from Candie's, SO, St. Eve, and Mudd (5 for $18.99) - $18.99 [EarlyBird]
Mudd 5-Pocket Jeans for Juniors - $17.99 [EarlyBird]
Mudd Apparel for Juniors - Entire Stock - 50% to 60% Off [EarlyBird]
Mudd Cardigan Sweaters - $19.99 [EarlyBird]
Mudd Fashion Denim Jeans for Juniors - $21.99 [EarlyBird]
Mudd Fashion Jeans for Juniors - $21.99 [EarlyBird]
NCAA Fleece - $21.99 [EarlyBird]
Nike Athletic Apparel for Boys, Toddlers and Infants - 50% OFF
Nike or Adidas Fleece Tops for Misses - $19.99 [EarlyBird]
Nine & Co. Case Studies Wallet on a String - $16.99 [EarlyBird]
Nine & Co. Everly Cross-Body Bag, Jolie Satchel or Jolie Tote - $21.99 [EarlyBird]
Nine & Co. Tablet Cover or e-Reader Cover - $14.99 [EarlyBird]
Novelty Fleece for Young Men - $21.99 [EarlyBird]
Oh Baby by Motherhood Maternity Entire Stock - 40-50%
Playwear for Girls, Boys and Toddlers Entire Stock - 50% OFF
Relic 3-pc. Cosmetic Bag Set - $19.99 [EarlyBird]
Relic Carryall or Jewely Roll - $14.99 [EarlyBird]
Ribbed Turtleneck Sweaters for Juniors - $12.99 [EarlyBird]
Rosetti Minibags - $16.99 [EarlyBird]
Say What? Woll Outerwear for Juniors - $37.99 [EarlyBird]
Sleepwear Sets for Her (Assorted colors and styles) - $19.99 [EarlyBird]
So 5-Pocket Jeans for Juniors - $14.99 [EarlyBird]
So and Mudd Long-Sleeved Graphic Tops for Juniors - $9.99 [EarlyBird]
SO and Mudd Sweaters for Juniors - $9.99 [EarlyBird]
So Apparel for Juniors - Entire Stock - 50% - %60 Off [EarlyBird]
So Cardigan Sweaters for Juniors - $19.99 [EarlyBird]
So Fashion Denium Jeans for Juniors - $17.99 [EarlyBird]
So Fleece Separates and Fashion Knit Tops for Juniors - $12.99 [EarlyBird]
So or Mudd Camis and Short-Sleeved Tees for Juniors - $4.99 [EarlyBird]
So or Mudd Knit Tops for Juniors - $6.99 [EarlyBird]
SO Velour Separates for Juniors - $12.99 [EarlyBird]
Somona Life+Style Fairilse Hoodie for Misses - $24.99
Sonoma Life + Style all Sportswear for Misses, Petites and Women - 40-55% off
Sonoma Life + Style Cable-Knit Crewneck Sweater - $9.99 [EarlyBird]
Sonoma Life + Style Cotton Sweaters for Men - $17.99 [EarlyBird]
SONOMA life + style Hooded Faux-Suede Jacket - $49.99 [EarlyBird]
Sonoma Life + Style or SO Sleepwear Separates (Women) - $11.99 [EarlyBird]
Sonoma Life + Style Ribbed Turtleneck (Misses) - $9.99 [EarlyBird]
SONOMA life + style Solid Fleece Jacket - $34.99 [EarlyBird]
Sonoma Life + Style Tops and Bottoms for Girls, Boys, Toddlers and Infants - 50% OFF
Sonoma Life Style Microfleece Pants for Misses - $7.99 [EarlyBird]
Sonona life + style Knit Tops - $7.99 [EarlyBird]
Speachless Holiday Dress for Juniors - $46.80 [EarlyBird]
Stooshy Dressy Skirts for Juniors - $21.99 [EarlyBird]
Sweater Dresses for Juniors - Selected Styles - $14.99 [EarlyBird]
Sweaters by Candie's and IZ Byer for Juniors - $24.99 [EarlyBird]
Sweaters from Croft & Barrow and Sonoma - $15.99 [EarlyBird]
Team Apparel for Boys Select Styles - 30-40%
Team Apparel for Men - 20-50% off
Team Jerseys for boys Selected Styles - $34.99
Tek Gear Basic Polar Fleece Jackets for Men - $14.99 [EarlyBird]
Tek Gear Fleece Tops or Bottoms for Misses - $7.99 [EarlyBird]
Tek Gear Microfleece 1/2-Zip Pullover for Misses - $9.99 [EarlyBird]
Tek Gear Microfleece Full-Zip hooded Jacket for Misses - $9.99 [EarlyBird]
Tek Gear Velour Jacket or Pants for Misses - $11.99 [EarlyBird]
Tony Hawk & Hang Ten Collection Tops for Young Men - $19.99 [EarlyBird]
Tony Hawk Collection Solid Fleece for Young Men - $19.99 [EarlyBird]
Urban Pipeline Long-Sleeved Raglan or Solid Thermal Tops for Young Men - $12.99 [EarlyBird]
Urban Pipeline Original Denim Jeans for Men - $16.99 [EarlyBird]
Urban Pipeline Vintage Denium Jeans for Young Men - $19.99 [EarlyBird]
Woven Chiffon Tops for Juniors - Selected Styles - $14.90 [EarlyBird]
Your Choice Croft & Barrow Velvet Gloves or Isotoner Fleece Gloves for Her - $14.99 [EarlyBird]
Your Choice Jumping Beans 6-pc. Complete Bedding Sets - Twin - $39.99 [EarlyBird]
ZeroXposur Colorblock 4-in-1 Systems Jacket - $49.99 [EarlyBird]


BED & BATHROOM
11" Pee Wee Pillow Pets - $12.99 [EarlyBird]
All Decorative Bath Collections - 50% to 65% Off [EarlyBird]
All Holiday Decorative Bath Collections - 60% OFF [EarlyBird]
All Memory Foam Bed Pillows and Mattress Toppers - 60% OFF [EarlyBird]
Apt. 9 Highly Absorbent Bath Towels - $5.99 [EarlyBird]
Biddeford Heated Throw - $24.99 [EarlyBird]
Croft & Barrow Full Damask Sheets 300 Thread Count - $44.99
Croft & Barrow Quick-Drying Bath Towels - $3.99 [EarlyBird]
Croft & Burrow Entire Stock Bedding Sets - 50% OFF
Croft & Burrow Full/Queen Damask Striped Comforter Set - $79.99
Croft & Burrow King Damask Striped Comforter Set - $89.99
Entire Stock Home Classics Flannel and Fleece Sheet Sets - Full - King - 75% OFF [EarlyBird]
Entire Stock Memory Foam Rug Pads - 50% OFF
Gel Cluster memory Goam Bed Pillow - $17.99 [EarlyBird]
Holiday Monogram Hand Towels 2-pk. - $4.99 [EarlyBird]
Home Classics 1.5" Memory Foam Mattress Topper (Queen/King) - $69.99 [EarlyBird]
Home Classics 1.5" Memory Foam Mattress Topper (Twin/Full) - $49.99 [EarlyBird]
Home Classics 8-pc. Bedding Sets - All Sizes - $79.99 [EarlyBird]
Home Classics 8-pk. Regular Washcloths - $2.99 [EarlyBird]
Home Classics Flannel Sheet Sets - Twin - $14.99 [EarlyBird]
Home Classics Fleece Sheet Sets - Twin - $19.99 [EarlyBird]
Home Classics Reversible Down Alternative Comforter - $26.99 [EarlyBird]
Home Classics Reversible Down Comforter - $49.99 [EarlyBird]
Home Classics Throws, Blankets & Down and Down Alternative Comforters - 50-60% off
Hotel Bedding Collections - 30-50% off
Hotel by Park Avenue Comforter Ser - $129.99
Luxury Collection 600-Thread Count Full-King Solid or Damask Stripe Sheet Sets - $44.99 [EarlyBird]
Memory Foam Basket Weave Bath Rug - $9.99 [EarlyBird]
Memory Foam Bath Rugs - 60% OFF [EarlyBird]
Shalimar Shower Curtain - $26.99 [EarlyBird]
Sonicare FlexCare Rechargeable Toothbrush - $99.99
Sonoma 400-thread count Full-King Sheet Sets - $39.99 [EarlyBird]
Sonoma Life + Style Sherpa Throw - $19.99 [EarlyBird]
The Big One 275-Thread Count Full-King Sheet Sets - $19.99 [EarlyBird]
The Big One Bath Towels - $2.99 [EarlyBird]
The Big One Bed Pillow - $3.99 [EarlyBird]
The big One Mattress Pad - Full-King - 15.99 - 23.99 [EarlyBird]
The Big One Mattress Pad - Twin - $9.99 [EarlyBird]
The Big One Plush Blanket - All Sizes - $19.99 [EarlyBird]
The Big One Plush Throws - $8.99 [EarlyBird]
The Big One Reversible Bedding Sets - $49.99 [EarlyBird]
Willoughby 20-pc. Bedding Sets -- All Sizes - $179.99 [EarlyBird]
Your Choice Jumping Beans 8-pc. Complete Bedding Set - Full - $59.99 [EarlyBird]
Your Choice Queen or King Biddeford Heated Blanket or Mattress Pad - $59.99 [EarlyBird]
Your Choice Twin or Full Biddeford Heated Blanket or Mattress Pad - $34.99 [EarlyBird]


BOOKS
Gift Books for Men - 50% OFF


CAMCORDERS
Vivitar 12.1 MP high-definition digital video camcorder - $59.99 [EarlyBird]


DIGITAL CAMERAS
14.1 MP Vivatar Hi-Def Digital Camera - $49.99 [EarlyBird]
Pandigital PanImage Digital Frames - $29.99 [MIR]
Vivitar Digital Video Recorder - $24.99 [EarlyBird]


ELECTRONICS
Digital Photo Key Chains - $8.99 [EarlyBird]
Discovery Expedition Entertainment Projector - $59.99 [EarlyBird]
Electronics - 20 - 50% off [EarlyBird]
iHome iA91 Dual Alarm Stereo Clock Radio - $89.99
iHome iD8 Rechargeable & App Friendly Speaker System - $79.99 [EarlyBird]
iHome iP21 Speaker Clock - $39.99 [EarlyBird]
iHome Over-the-Ear Headphones - $12.99 [EarlyBird]
iLive Indoor/Outdoor Wireless Speakers - $74.99 [EarlyBird]
Ion USB Turntable - $59.99 [EarlyBird]
iPad Bluetooth Keyboard Portfolio Case - $39.99
La Crosse Technology Wireless Temperature Station - $14.99
Negative & Slide Scanner - $49.99 [EarlyBird]
Pandigital Android 7-in. Multimedia Tablet and eReader - $139.99 [MIR]
Polaroid 7" Touch Screen Android Tablet (w/ free accessory kit) - $99.99 [EarlyBird] [MIR]
Speaker-on-the-go - $9.99
The Sharper Image Portable Charging Valet - $39.99
Under-the-Cabinet iPod Docking Station - $39.99 [EarlyBird]
Wooden Music Center with Recordable CD Player - $169.99 [EarlyBird]


HOLIDAY ITEMS
All Sts. Nicholas Square Holiday Dinnerware - 60% OFF [EarlyBird]
Entire Stock Holiday Giftables from Scentsations - 6.99 - 15.99 [EarlyBird]
Entire Stock Holiday Rugs - $4.99 [EarlyBird]
Entire Stock of Decorative Pillows - 50-60% off
Entire Stock Stocking Stuffers - 1.49 - 3.99 [EarlyBird]
Holiday Decorative Lighting - Entire Stock - 55% OFF [EarlyBird]
Holiday Gift Wrap and Boxed Cards - 60% OFF [EarlyBird]
Holiday Memories 3-pc Candle Jar Set - $3.99 [EarlyBird]
Holiday Memories Large Jar Candle - $3.99 [EarlyBird]
Pre-lit Xmas Tree - 7 -ft. 812 tip 800 lights - $79.99 [EarlyBird]
St Nicholas Square Candle Gifts - Orig. 24.99 - $9.99 [EarlyBird]
St. Nicholas Square Holiday Nightlights - Entire Stock - $6.99 [EarlyBird]
St. Nicholas Square Shimmer Snow Globes - Entire Stock - 60% OFF [EarlyBird]
St. Nicholas Square Stock Stockings & Tree Skirts - 60% OFF [EarlyBird]
St. Nicholas Square Trim-a-Tree - Entire Stock - 60% OFF [EarlyBird]
Yankee Candle Fall and Holiday Fragrances - 25-30% off
Your Choice St. Nicholas Square Holiday Mugs - $3.99 [EarlyBird]


HOME ITEMS
2-pk. Photo Albums - $8.99 [EarlyBird]
21x25 Washable Pet Bed - $17.99 [EarlyBird]
24-Opening Collage Frame - 21" x 31" - $17.99 [EarlyBird]
3-pc. Ornament Frames Sets - 10 designs - $7.99 [EarlyBird]
32" Hinged Storage Ottoman - $71.99 [EarlyBird]
Apt. 9 6-pc Frame & Ledge Set - $19.99 [EarlyBird]
Benton Collection 5x7' Area Rug - $29.99
Benton Collection Accent, Area and Kitchen Rugs & Doormats - 55 - 60% Off
Bissell Lift-Off Multi-Cyclonic Pet Upright Vacuum - $149.99 [EarlyBird]
Boxed Calendars - Entire Stock - $6.99 [EarlyBird]
Candy Magic Motion-Activated Candy Dispenser - $19.99 [EarlyBird]
Caption Frames - 55% OFF [EarlyBird]
Chap's Gifts for Men - 50% OFF
Chef Mat - $24.99
Counter Height Saddle Bar Stool - $29.99 [EarlyBird]
Counter-height metal swivel bar stool - $24.99 [EarlyBird]
Decorative Collage Frames - Entire Stock - 55% OFF [EarlyBird]
Decorative Wall Accents - 55% OFF [EarlyBird]
Disney Princess & Cars Night Lights - Entire Stock - $9.99 [EarlyBird]
Dyson DC25 Multi Floor bagless vacuum - $379.99
Dyson DC33 Multi Floor Upright Vacuum - $299.99
Entire Stock Accent Area & Kitchen Rugs & Doormats - 40-50% off
Entire Stock of Totes Gifts - 50% OFF
Eureka AirSpeed Gold Upright Vacuum - $109.99 [EarlyBird]
Gumball Machine - $9.99 [EarlyBird]
Hoover FloorMate Hard Floor Cleaner with SpinScrub - $12.99
Hoover MaxExtract Dual V Carpet Cleaner - $149.99 [EarlyBird]
Hoover WindTunnel Supreme Bagged Upright Vacuum - $99.99 [EarlyBird]
Houdini Set of 4 Wine Glasses - $16.99 [EarlyBird]
Metal Wall Decor - Entire Stock - 55% OFF [EarlyBird]
Nostalgia Old Fashioned Movie Time Popcorn Cart (After $10 mail-in rebate) - $99.99 [EarlyBird]
Panimage 9" Digital Photo Frame - $39.99 [EarlyBird] [MIR]
Photo Frames - Entire Stock - 55% OFF [EarlyBird]
Rowenta Effective Comfort Iron - $39.99 [EarlyBird]
Rowenta Pro Compact Steamer - $39.99 [EarlyBird]
Shark Light & Easy Steam Mop - $44.99 [EarlyBird]
Shark Navigator Swivel Bagless Upright Vacuum - $149.99 [EarlyBird]
Shark Professional Steam Pocket Mop - $129.99
Sonoma life+style bar stools - Entire Stock - 55-65% off [EarlyBird]
Sonoma life+style bookcase - $75.99 [EarlyBird]


JEWELRY
1 ct. T.W. Diamond Ring, White Gold - 1119. 99 [EarlyBird]
1 ct. T.W. IGI Certified Diamond Solitaire Earrings or Rings, 10k Gold - $1,599.99 [EarlyBird]
1 ct. T.W. Sterling silver diamond bracelet - $99.99 [EarlyBird]
1/2 ct. T.W. diamond earrings or rings, 14k white gold - $919.99 [EarlyBird]
1/4 ct. T.W. Diamond Earrings, 10k White Gold - $109.99 [EarlyBird]
1/4 ct. T.W. diamond Snowflake Pendant, 10k White Gold - $134.99 [EarlyBird]
1/4 ct. T.W. diamond solitaire 14k gold earrings - $99.99 [EarlyBird]
1/4 ct. T.W. Framed Solitaire Earrings - $109.99 [EarlyBird]
1/4 ct. T.W. IGI Certified Diamond Pendants or Earrings 14k White Gold - $379.99 [EarlyBird]
1/5 ct. T.W. Diamond Solitaire Earrings, 14k Gold - $79.99 [EarlyBird]
1/8 ct. T.W. Diamond Solitaire Earrings, 10k Gold - $71.99 [EarlyBird]
1/8 ct. T.W. Diamond Solitaire Earrings, 14k Gold - $49.99 [EarlyBird]
2 ct. T.W. Black & White Diamond Reversible Heart Pendant, Sterling Silver - $149.99 [EarlyBird]
2 ct. T.W. Diamond Ring, 10k White Gold - $1,399.99 [EarlyBird]
2 ct. T.W. Diamond Solitaire Plus Earrings - $1,899.99 [EarlyBird]
2 ct. T.W. Sterling silver diamond bracelet - $149.99 [EarlyBird]
23 ct. T.W. Genuine Gemstone and Diamond Accent Bracelet, 18k Gold over Sterling Silver - $89.99 [EarlyBird]
3 ct. T.W. Sterling silver diamond bracelet - $249.99 [EarlyBird]
3/4 ct. T.W. Diamond Solitaire Earrings, 14k Gold - $479.99 [EarlyBird]
3/8 ct. T.W. Diamond Bands, 14k Gold - $639.99 [EarlyBird]
3/8 ct. T.W. Diamond Solitaire Earrings, 14k Gold - $199.99 [EarlyBird]
7x7.5mm Cultured Freshwater Pearl Stud Earrings, 10k Gold - $24.99 [EarlyBird]
All fine jewelry and sterling silver jewelry - 55 - 60% off (+ extra 20% off)) [EarlyBird]
All Fine Jewelry and Sterling Silver Jewelry - 20% OFF [EarlyBird]
Certified 1 ct. T.W. Diamond Rings, 10k Gold - $1,599.99 [EarlyBird]
Certified 1/3 ct. T.W. Diamond Solitaire Rings, 14k Gold - $639.99 [EarlyBird]
Created Sapphire and White Sapphire Ring, 10k White Gold - $249.99 [EarlyBird]
Crystal Bracelet, Earrings and Ring Set made with Swarovski Elements, Sterling Silver - $69.99 [EarlyBird]
Cultured Freshwater Pearl 10-pc. Stretch Bracelet Set - $44.99 [EarlyBird]
Cultured Freshwater Pearl and White Topaz Pendant and Earrings Set, Sterling Silver - $69.99 [EarlyBird]
Cultured Freshwater Pearl Necklace, Bracelet and Earring Set, 10k Gold - $47.99 [EarlyBird]
Diamond Accent Solitaire Earrings, 10k Gold - $39.99 [EarlyBird]
Entire Stock 1 ct. T.W. Diamond Solitaire Earrings in 14k gold or 10k gold rings - $699.99 [EarlyBird]
Entire Stock 1/10 ct. T.W. Diamond Pendants, 10k Gold. - $99.99 [EarlyBird]
Entire stock 1/2 ct. T.W. Diamond Earrings, 14k Gold - $319.99 [EarlyBird]
Entire Stock 1/4 ct. T.W. Diamond Jewelry, 10k Gold - $134.99 [EarlyBird]
Entire Stock 10k Gold Rings - $319.99 [EarlyBird]
Entire Stock 14k Gold Rings - $319.99 [EarlyBird]
Entire Stock Fashion Jewelry - 40 - 50% Off [EarlyBird]
Entire Stock Fashion Jewelry and Jewelry Boxes - 40 - 60% Off [EarlyBird]
Entire Stock Men's Pendants and Rings - $21.99 [EarlyBird]
Entire Stock Watches - 40 - 55% Off [EarlyBird]
Fashion Boxed Rings - 5.99 - 14.99 [EarlyBird]
Genuine Blue Topaz and Diamond Accent Pendant and Ring Set, Sterling Silver - $69.99 [EarlyBird]
Genuine Blue Topaz and Diamond Ring, 10k White Gold - $139.99 [EarlyBird]
Initial and Novelty Pendants - $5.99 [EarlyBird]
Kids' and Ballerina Jewelry Boxes - $11.99 [EarlyBird]
Large Photoframe Jewelry Boxes - $30.99 [EarlyBird]
Men's or Ladies' Bulova Dress Watches - $99.99 [EarlyBird]
Men's or Ladies' Pulsar Dress Watches - $99.99 [EarlyBird]
Men's or Ladies' Seiko Dress Watches - $99.99 [EarlyBird]
Men's Pendants or Bracelets - $15.99 [EarlyBird]
Men's Titanium or Ceramic Bands - $79.99 [EarlyBird]
Pink Amethyst & Chocolate Diamond Pendant or Ring, 14k Strawberry Gold - $791.99 [EarlyBird]
Raspberry Rhodolite & Smokey Quartz Pendant or Ring, 14k Strawberry Gold - $575.99 [EarlyBird]
Timeless Love 1 ct. T.W. Diamond Bracelet, 10k Gold - $699.99 [EarlyBird]
Timeless Love 1/2 ct. T.W. Diamond Pendant & Earrings Set, 10k Gold - $349.99 [EarlyBird]
Traditional Jewelry Box - $39.99 [EarlyBird]
Your Choice 1/10 ct. T.W. Diamond Jewelry, Sterling Silver - $21.99 [EarlyBird]
Your Choice 1/4 ct. T.W. Diamond Earrings or Bracelet, Sterling Silver - $49.99 [EarlyBird]
Your choice 18k Gold over Sterling Silver Gemstone and Diamond Accent Jewelry - $11.99 [EarlyBird]
Your Choice Bracelets - $14.99 [EarlyBird]
Your Choice Casio Solar Atomic G-Shock Watches - $77.99 [EarlyBird]
Your Choice Children's Jewelry - $17.99 [EarlyBird]
Your Choice Diamond Fascination Diamond Accent Hoop Earrings, 14k Gold - $87.99 [EarlyBird]
Your choice DiamonLuxe Jewelry - $24.99 [EarlyBird]
Your Choice Genuine Gemstone & Diamond Accent Bracelets - $14.99 [EarlyBird]
Your choice glass earrings set or bracelet - $11.99 [EarlyBird]
Your Choice Heart Toggle Bracelet or Necklace, Sterling Silver - 69.99 - 89.99 [EarlyBird]
Your Choice Hoop Earrings, 14k Gold and Sterling Silver - $21.99 [EarlyBird]
Your Choice Individuality Beads - 8.99 - 79.99 [EarlyBird]
Your Choice Individuality Beads 3-Bead Set - $24.99 [EarlyBird]
Your Choice Individuality Beads 6-bead Bracelet, Sterling Silver - $79.99 [EarlyBird]
Your Choice Initial Pendants - $14.99 [EarlyBird]
Your Choice Inspirational Jewelry - $14.99
Your choice itsy Bitsy Earrings or Ring - $9.99 [EarlyBird]
Your choice Jewelry made with Swarovski Elements - $17.99 [EarlyBird]
Your Choice Jewelry Made with Swarovski Elements. Silver-plated - $21.99 [EarlyBird]
Your Choice Ladies' Armitron Ceramic Dress Watches with Crystals - $41.99 [EarlyBird]
Your Choice Ladies' Relic Multifunction Watches with Crystals - $56.99 [EarlyBird]
Your Choice Men's Timex Date Watches - $31.99 [EarlyBird]
Your choice Starling Silver Ring, Earrings or Pendand - $9.99 [EarlyBird]
Your choice Sterling silver 3-pr. Earrings Set - $11.99 [EarlyBird]
Your Choice Sterling Silver Lockets - $34.99 [EarlyBird]
Your Choice Trend Bracelets with Sterling Silver Accents - $11.99 [EarlyBird]
Your Cohice Crystal Pendant and Earrings Set, Sterling Silver - $24.99


KITCHEN
18-pc. Lock & Store Storage Set - $9.99 [EarlyBird] [MIR]
All Pfaltzgraff Taos Accessories and Serveware - 40% OFF [EarlyBird]
Babycakes Cake Pops Maker - $18.99 [EarlyBird]
Babycakes Donut Maker - $18.99 [EarlyBird]
Bella 1.2 Liter Deep Fryer - $12.99 [EarlyBird] [MIR]
Bella Kitchen Rotating Waffle Maker - $9.99 [EarlyBird] [MIR]
Black & Decker 12-in. Electric Skillet - $12.99 [EarlyBird] [MIR]
Black & Decker Countertop Convection Oven - $49.99
Black & Decker Crush Master 10-Speed Blender - $12.99 [EarlyBird] [MIR]
Black & Decker Quesadilla Maker - $9.99 [EarlyBird] [MIR]
Black and Decker 12-cup Coffee Maker - $17.99 [EarlyBird]
Corningware French White 10-pc. Set - $19.99 [EarlyBird] [MIR]
Crock-Pot 5-qt. Programmable Slowcooker - $9.99 [MIR]
Cuisinart 18-pc. Stainless STeel or Triple Rivet Cutlery Set - $59.99 [EarlyBird] [MIR]
Cuisinart 7-Cup Food Processor (After $10 mail-in rebate) - $59.99 [EarlyBird]
Cuisinart Brew Central Programmable Coffee Maker - 79,99 [EarlyBird]
Cuisinart Single Serve Brewing System - $199.99 [EarlyBird]
Entire Stock Farberware Bakeware - 50% OFF [EarlyBird]
Entire Stock Food Network Dinnerware - 50% OFF [EarlyBird]
Entire Stock Kitchen Gadgets - 20% OFF
Entire Stock KitchenAid Gadgets - 30% OFF [EarlyBird]
Everyday Kitchen 15-pc. Stainless Steel Cookware Set - $32.99 [EarlyBird]
Farberware 10-pc. Nonstick Cookware Set - $39.99 [EarlyBird] [MIR]
Farberware 15-pc. Classic Stainless Steel Cookware Set - $59.99 [EarlyBird] [MIR]
Farberware 25-pc. Stainless Steel Cutlery Set - $29.99 [EarlyBird] [MIR]
Farberware Triple Pack - $11.99 [EarlyBird]
Fiesta 5-pc. Dinnerware Place Setting - $24.99 [EarlyBird]
Food Network 11-pc. Hard Anodized Cookware Set - $149.99 [EarlyBird]
Food Network 11-pc. Midbell Cookware Set - $149.99 [EarlyBird]
Food Network 2-Slic Toaster - [EarlyBird]
Food Network 3-Cup Mini Food Chopper/Processor - $12.99 [EarlyBird] [MIR]
Food Network and New View Thermal Mugs - $4.99 [EarlyBird]
Food Network Belgian Square Waffle Maker with Nonstick Plates - $29.99 [EarlyBird]
Food Network Electric Knife - $29.99 [EarlyBird]
Food Network Immersion Hand Blender - $29.99 [EarlyBird]
Food Network Kitchen Electronics - $39.99
Food Network Set of 4 Dinner Plates - $24.99 [EarlyBird]
Food Network Set of 4 Salad Plates, Cereal Bowls or Mugs - $19.99 [EarlyBird]
Foot Network 5.5 qt. Enamel Cast Iron Dutch Oven - $39.99 [EarlyBird] [MIR]
George Foreman Lean Mean Grill - $12.99 [EarlyBird] [MIR]
George Foreman The Next Grilleration Grill - $49.99
Hamilton Beach 6-speed Hand Mixer - $12.99 [EarlyBird] [MIR]
Houdini Classic Wine Opener - $16.99 [EarlyBird]
Insulated Cup with Straw - $3.99 [EarlyBird]
Keurig B60 Special Edition Coffee Brewer - $149.99
KitchenAid Artisan 5-qt. Stand Mixer (After $30 mail-in rebate) - $269.99 [EarlyBird] [MIR]
KitchenAid Classic Plus 4.5-qt. Stand Mixer (After $20 mail-in rebate) - $179.99 [EarlyBird]
KitchenAid Pro Line 6-qt. Stand Mixer (After $50 mail-in rebate) - $349.99 [EarlyBird] [MIR]
Ninja Master Prep Professional Blender and Food Processor - $49.99
Nuwave Pro Infrared Oven - $139.99
Oneida 40-pc. Dinnerware Set - $34.99 [EarlyBird]
Oneida 82-pc. Flatware Set - $47.99 [EarlyBird]
Pfaltzgraff Taos 16-pc. Dinnerware Set - $49.99 [EarlyBird]
Presto Cool Touch Electric Griddle - $9.99 [EarlyBird] [MIR]
Pyrex 20-pc. Storage Set - $19.99 [EarlyBird] [MIR]
Rachael Ray 3-pc. Stoneware Set - $29.99 [EarlyBird]
Select Styles Table linens and Kitchen textiles - 50-70% off
SodaStream Jet Home Soda Maker - $89.99
Sonoma Life + Style Set of 4 Wine Glasses - $9.99
T-Fal Inspirations 20-pc. Nonstick Cookware Set - $49.99 [EarlyBird] [MIR]
Toastmaster 4-slice Toaster Oven Broiler - $12.99 [EarlyBird] [MIR]
TRU Triple Slowcooker (Three 2.5 qt. Pots) - $34.99 [EarlyBird] [MIR]
TRU Twin Dipper Slowcooker (Two 1.25 qt. Round Pots) - $17.99 [EarlyBird] [MIR]
Your Choice Food Network 15-pc. Triple Rivet or Stainless Steel Cutlery Set - $49.99 [EarlyBird] [MIR]
Your Choice Food Network 3-Tier Plate Server, Tiered Chip 'n Dip or Lazy Susan Chip 'N Dip - $22.99 [EarlyBird]


MP3 PLAYERS
4GB MP3 Music & Video Player - $12.99 [EarlyBird] [MIR]


MISC
Entire Stock Totes Gifts - $9.99 [EarlyBird]


PERSONAL CARE
5-pc. Bag Set or Glitter Compact - $4.99 [EarlyBird]
Braun Series 3 Razor - $99.99
CHI Air Fuschia 1'' Classic Ceramic Flat Iron - $79.99 [EarlyBird]
Color Tablet or Nail Set - $7.49 [EarlyBird]
Entire Stock Cosmetic Sets from The Color Institute and Madame Milly - 50% OFF [EarlyBird]
Entire Stock Fine Fragrances for Men and Women - 10% OFF [EarlyBird]
Entire Stock Flirt! Giftables - 9.99 - 19.99 [EarlyBird]
Entire Stock Fragrance Gift Sets for Men and Women - 15 - 20% Off [EarlyBird]
Homedics & Conair Massage & Spa Items - $14.99 [EarlyBird]
Infinite Beauty Cosmetic Set - $29.99 [EarlyBird]
Norelco 6955X Rechargeable Razor - $29.99 [EarlyBird]
Norelco 7345XLB Rechargeable Razor - $49.99
Norelco Deluxe Personal Groomer - $24.99
Norelco SensoTouch 1160X Razor - $89.99 [EarlyBird]
Norelco SensoTouch 2D Clean and Charge Razor - $139.99
Norelco SensoTouch 3D 1260X Razor - $189.99
Norelco Speed XL Triple Track Razor - $79.99
Oral-B ProfessionalCare 3000 Toothbrush - $69.99 [MIR]
Personal Care - Entire Stock - 15-50% [EarlyBird]
Pink 18-pc. Cosmetic Set - $14.99 [EarlyBird]
Remington F5790 Triple Foil Pivot and Flex Razor - $59.99 [EarlyBird]
Remington Trim & Shave Grooming Kit - $18.99 [EarlyBird]
Sonicare Essence DualToothbrush Value Pack - $69.99 [EarlyBird]
Sonicare Essence Toothbrush w/ Bonus Compact Head - $39.99 [EarlyBird]


PET
Large 24X34 Washable Pet Bed - $29.99 [EarlyBird]


PROMOTIONAL ITEMS
$15 Kohl's Cash for every $50 you spend -
Every $50 You Spend Receive $15 Kohl's Cash - FREE


SPORTING GOODS
NFL & NCAA Pillow Pets - $24.99 [EarlyBird]
NFL and NCAA Team Gifts - 30% - 40% Off [EarlyBird]


TOOLS
Columbia 10-Function Tool with Light - $8.99
Columbia All-In-One Tool - $8.99
Columbia Camping Tool - $8.99
Columbia Deluxe Multi-Tool - $8.99
Columbia Multi-Tool with LED Light - $8.99
Columbia Survival Tool - $8.99
Totes 9-in-1 Tool with Light - $5.99


TOYS
2-pk Remote Controlled Apache Helicopters - $29.99 [EarlyBird]
Action Figures and Cars 2 Toys -Entire Stock - 33% OFF [EarlyBird]
All Toys from Matchbox, Hot Wheels, and Nerf - 50% OFF [EarlyBird]
Animated Plush Coin Banks - $12.99 [EarlyBird]
Barbie Dolls (Selected Styles) - $6.99 [EarlyBird]
Barbie Gift Sets (Selected Styles) - $15.99 [EarlyBird]
Card Games and Game Tins - Entire Stock - $4.99 [EarlyBird]
Children's Games - Entire Stock - 40% OFF [EarlyBird]
Disney Princess A Magical Dance Inflatable Playland by Moose Mountain - $24.99 [EarlyBird]
Disney Princess, Disney Fairies & Polly Pocket Toys - Entire Stock - 50% OFF [EarlyBird]
Disney/Pixar Cars 2 London City Raceway Slot-Car Racing Set by Mattel - $24.99 [EarlyBird]
Disney/Pixar Cars 2 Team Lighting McQueen Inflatable Playland by Moose Mountain - $24.99 [EarlyBird]
Disney/Pixar Toy Story 3 Mr. Potato Head Play Set by Playskool - $24.99 [EarlyBird]
Entire Stock Interactice Game Mats for Kids - $14.99 [EarlyBird]
Entire stock toys - 50% OFF [EarlyBird]
Family Games - Entire Stock - $15.99 [EarlyBird]
Fisher-Price Brilliant Basics Activity Walker - $9.99 [EarlyBird]
Fisher-Price Disney Cars 2 Geo Trax Big Bentley RC Set - $44.99 [EarlyBird]
Fisher-Price Laugh N Learn Toys - Entire Stock - 50% OFF [EarlyBird]
Fisher-Price Little People Amusement Park - $34.99 [EarlyBird]
Hasbro Baby Alive Changing Time Baby Doll Set - $24.99 [EarlyBird]
Hot Wheels Wall Tracks Gorilla Takedown Track Set by Mattel - $24.99 [EarlyBird]
K'NEX MarioKart Wii Mario and Goombas Building Set - $49.99 [EarlyBird]
Kid Kraft My Very Own Dollhouse - $69.99 [EarlyBird]
LeapFrog Zippity Learning System - $39.99 [EarlyBird]
Light Strike Striker 2-Player Combo - $59.99 [EarlyBird]
Marshmallow Raider Gun - $9.99 [EarlyBird]
Matchbox Ocean Mission-Quad Strike Play Set by Mattel - $19.99 [EarlyBird]
Mattel Disney Princess Bath Beauty and Friends Doll Set - $24.99 [EarlyBird]
Melissa & Doug Toys (Selected Styles) - $14.99 [EarlyBird]
Melissa and Doug Wooden Art Easel - $59.99 [EarlyBird]
New Bright 1:15 Radio-Controlled Mud Slinger Jeep Wrangler - $24.99 [EarlyBird]
Rally Stomper All-Terrain RC Vehicle - $14.99 [EarlyBird]
Razor Lil' Kick Scooter - $24.99 [EarlyBird]
Squinkies, Zoobles! & Monster High Dolls - Entire Stock - 30% OFF [EarlyBird]
Thomas and Friends Lost on Misty Island Playset - $34.99 [EarlyBird]
Tonka Mighty Dump Truck and Front-End Loader 2-pk. - $34.99 [EarlyBird]
Totes Tabletop Air Hockey Game - $19.99
Totes Tabletop Foosball Game - $19.99
Totes Tabletop Hockey Game - $19.99
Totes Tabletop Pool Table Game - $19.99
Toys from LeapFrog and V-Tech - $17.99 [EarlyBird]
V-Tech Kidi Jamz - $39.99 [EarlyBird]
Your choice of toys - $19.99 [EarlyBird]


TRAVEL
Sonoma Life + Style Torrance 5-pc. Luggage - $44.99 [EarlyBird] [MIR]


VIDEO GAMES
007 Quantum of Solace Video Game for Xbox 360 - $7.99 [EarlyBird]
Bakugan Battle Brawlers for Nintendo DS - $7.99 [EarlyBird]
Boomchair Racer Video Gaming Chair - $39.99 [EarlyBird]
Disney Jonas for Nintendo DS - $7.99 [EarlyBird]
Disney Spectrobes Origins for Wii - $7.99 [EarlyBird]
Golden Tee Golf Plug n' Play Game - $34.99
Video Game Accessories - 30-50% off
Wii or Xbox Gaming Tower - $39.99 [EarlyBird]

Alright guys. I highly doubt this is against the rules since I'm not benefiting anything off this post nor is it my business. I know many small businesses and large businesses including my own friends and family that has been deceptively had by Independent Resellers and even large services when it comes to credit card processing. Recently, after finishing up my EMBA, I started a new career at Chase Card Services as a Partnership Executive ( meaning I form partnerships such as Ihop, UPS, etc = the lowest of the lowest costs) but will be more than happy to help anyone in the fatwallet family with their issues. If anyone has a statement that they need read, or just flat out want to lower their effective cost on their monthly charges, you can call me at 214-849-3620 email me at Ronald.Wong@chasepaymentech.com or fax your statement to me at 214-849-4918. No I am not customer service so don't call me telling me about how Chase ripped you off or stuff like that because there are so many resellers out there that upcharge the heck outa Chase rates that I don't even want to get into it. And yes, I have a salary job. I'm expecting bashing anyways since thats what happens but those who take advantage of this resource will show the green so whatever.

Today only, you can receive 10x Rakuten points on any purchase made at Buy.com. This is effectively a 10% store credit.
You must enroll using this link.
http://www.buy.com/ct/Rakutensuperpoint/default.aspx?campaignid=...

Chase $125 Bonus expires 11/26/2011Saw this this $125 Bonus til November 26th, 2011. You could also get the $150 Chase coupon from HMB til 12/15/2011. Second Chase $125 coupon online sign-up link til 11/26/2011Offer not available to existing Chase checking customers, fiduciary accounts and those who have closed an account within 90 days. Offer valid through 11/26/11 . To receive the bonus: 1) open a new Chase Total CheckingSM account, which is subject to approval; 2) deposit $100 or more within 60 days of account opening; AND 3) have your direct deposit made to this account within 60 days of account opening. Your opening deposit cannot be money held by Chase or its affiliates, nor can the bonus be used as the opening deposit. Your direct deposit needs to be an electronic deposit from your employer or the government of your paycheck, pension or government benefits (such as Social Security). After we receive your first direct deposit, we'll deposit the bonus in your new account within 10 business days. You can only receive one checking account-related bonus per calendar year. If your checking account is closed within six months, we will deduct the bonus amount at closing. Also, if your account is closed within 90 days, an Account Closing Fee of $25 will apply.

Service Fee Info:

Service Fee Chase Total CheckingSM has no monthly Service Fee when you do one of the following each statement period: 1) have at least one direct deposit of $500 or more post to your account (two or more direct deposits that add up to $500 or more do not qualify) or 2) keep a minimum daily balance of $1,500 or more in your checking account or 3) keep an average balance of $5,000 or more in qualifying accounts with Chase. Otherwise a $12 monthly Service Fee will apply ($10 monthly Service Fee in CA, OR and WA). Certain restrictions apply, please see a banker for details. The terms of this account, including any fees or features may change.

Chase $100 Business Coupon til 11/30/2011

Terms and Conditions:

Offer valid through November 30, 2011. To qualify for this offer, open a Chase BusinessSelectSM Checking account and deposit a minimum of $1,000 or more into your new business checking account within 30 days of account opening with funds not currently on deposit with Chase or any of its affiliates. Account opening and award of bonus are subject to approval. Limit one business checking account-related bonus/premium per customer per calendar year. Chase reserves the right to withdraw this offer at any time without notice. Attempts to earn multiple bonuses may be voided by Chase, at its discretion. Offer not available to existing Chase Business checking customers, on account conversions or in combination with any other offer and is non-transferable. Checking account must remain open for a minimum of six months or the bonus amount will be debited from the account at closing. Employees of JPMorgan Chase Bank, N.A. and our affiliates are not eligible. Bonus will be deposited automatically into your new checking account within 10 business days after the minimum deposit requirement is met. Bonus may be considered interest reportable on IRS Form 1099-INT.

 

*DEAD* $150 Bonus til 10/31/2011 thanks to Nummerkins

*QUALIFYING ACCOUNTS/MONTHLY SERVICE FEE - Offer available on personal Chase checking accounts excluding High School, College, Access, Customized, and Online Checking accounts. Chase checking accounts eligible for this offer have monthly Service Fees that start at $10-15. Monthly Service Fees vary by market and, except for Chase Essential Checking, there are ways to avoid these fees. For pricing and other details, please see a banker or visit Chase.com/checking. The terms of the accounts, including any fees or features, may change.
Bonus/Account Information - Offer not available to existing Chase checking customers, those with fiduciary accounts, and those who have closed an account within 90 days. To qualify for the bonus you must open a new qualifying Chase checking account with a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security. The bonus will be deposited into your new account within 10 business days after your initial direct deposit is posted to your account. For interest-bearing checking accounts, the Annual Percentage Yield (APY) is effective as of 8/15/11. The APY is 0.01% for all balances in all states. Interest rates are variable and subject to change. Fees may reduce earnings on the account. Limit one checking account-related bonus per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Bonus is not considered part of the minimum opening balance. Checking account must remain open for a minimum of six months or the bonus amount will be debited from the account at closing. In addition, the checking account must remain open for 90 days or an Account Closing Fee of $25 will apply. Account is subject to approval. Bonus is considered interest and will be reported on IRS Form 1099-INT. More methods of getting $125 Chase Coupon taken from HMB:Chase $125 Checking Account Bank Bonus Coupon til 9/30/2011 Nationwide via eB@y, USPS, ATMChase $125 bank bonus is not available online, but there are a few tricks in order to get this nationwide bonus.Option 1) Visit your local U.S Postal Office and ask for a Movers Guide Package. Inside the package, there is a Chase $125 coupon good until 9/30/2011.Option 2) Many people on eB@y are selling the $125 Chase bonus coupon for $1 Or $2. Its well worth it if you dont want to go to the Postal Office.Option 3) Use one of your debit cards from non-Chase bank and withdraw money from a Chases Brick and Mortar bank(Great if your bank refunds your ATM fee). Once you withdraw your cash, Chase will print a bonus coupon in order to entice you to switch bank. Chase $5 Paperless Statement Bonus$5 Paperless Statement Bonus good until ?. Chase.com/gopaperless
Important for all Chase Account Holders:The account now has requirements of either1) DD of $500 or more
2) $1500 in checking
3) $5000 combined between checking, savings, investmentsMore bank bonuses nationwide.

Just got an email from Chase.Dear xxxx,Open a Chase SavingsSM account with an opening deposit of $10,000 or more in new money and you'll receive $100!

It's easy to get your bonus: Print this email and take it to your local Chase branch by December 31, 2011. Speak to a Chase Banker to open your Chase SavingsSM account with a minimum opening deposit of $10,000 or more in new money. Watch for your cash bonus. We'll deposit $100 into your new Chase SavingsSM account within 10 business days of deposit validation.

Fine print:

Offer valid 11/01/11 through 12/31/11. Offer not available on Chase SavingsSM accounts with any owner under 18 years of age. A $10,000 minimum opening deposit of new money (money not currently held by Chase or its affiliates) is required to qualify for the offer. Cash bonus will be automatically deposited into your new account within 10 business days of deposit validation, but not considered part of the minimum opening deposit. Limit one personal savings account-related bonus per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Savings account must remain open for a minimum of six months or the bonus will be debited from the account at closing. In addition, the savings account must remain open for 90 days or an Account Closing Fee of $25 will apply. Cash bonus is considered interest and will be reported on IRS Form 1099-INT.For a Chase SavingsSM account, the Annual Percentage Yield (APY) for all balances is effective as of 10/27/11, and may change at Chase's discretion. The APY is 0.01% for all balances in all states. Interest rates are variable and subject to change. Fees may reduce earnings on the account.Chase SavingsSM monthly Service Fee is waived if the minimum daily balance is $300 or more in this account or you have at least one repeating automatic transfer of $25 or more from your Chase checking account each month; otherwise a $4 monthly Service Fee applies ($5 for accounts opened in CA, FL, GA, ID, NV, OR and WA). One time transfers do not qualify. TL;DR - Targetted bonus for existing Chase checking customers, $100 bonus to open new savings acct with $10,000 new money. Keep open for 6 months or they retract bonus, open for 90 days or they retract bonus and charge $25 closing fee. Minimum $300 required to prevent a monthly service fee.I will not be taking advantage because I do not have $10,000 cash, but keep an eye out. Easy $100 if you've got $10k and are willing to let $300 sit around for six months.

http://www.midnightbox.com
Deal 3$10.28 shipped
Condition: NewDescriptionProtect your notebook from overheating and potentially losing hours of work from an unexpected shutdown!This lightweight and portable device stores conveniently in your laptop bag and provides comfortable use and effective cooling for your notebook.Hook up is easy and since it operates via the USB port on your computer, no batteries are required.Make your laptop experience more enjoyable, comfortable and effective with the Laptop Buddy Notebook USB Cooling Pad.Features * No power adapter necessary; conveniently powered through UnSB port
* USB plug features an input so your USB port is not tied up by the cooling fan and another device can be used
* Three high powered fans provide optimal cooling at 2800 rpm
* Ergonomic angle makes notebook use more comfortable
* Low noise level
* Durable and stylish acrylic construction
* 6 LED lights (two per fan) provide a gentle electric blue glow for an eye catching effect
* Anti slip pads keep your laptop stable while you work
* Dimensions: 9.25 x 11.125 x 1.25 inches
* NOTE: Laptop not included.Whats in the Box * Laptop Buddy Notebook USB Cooling Pad w/ 3 Fans & 6 LEDs

I hear in oyther sattes AAA membership Premier kicks in only after 18 month Tow free.But I called AA and they said in Nothern California it is effective immediately. Basically you can sign up today and get a tow for 200 mile after 2 days.
So the question hear is which sattes really has the 18 month wait period?

Looking at the local Best Buy Ad in Indianapolis and saw they had 12 month of Xbox Live Gold for only $39.99.
Best price I've found for a while, not sure if effective everywhere.Edit: Link would help:

linkProduct Description
The Black & Decker 20-volt Max lithium battery is one incredibly smart, interchangeable Lithium battery that powers a full system of tools. Rechargeable. Interchangeable. Long Battery life year after year. These batteries are powered by an energy star qualified charger for a greener environment. The LC3K220 20-Volt Lithium Lawn care Center is a 3 tool lawn care system: String Trimmer, Hedge Trimmer and Sweeper. It also included 2 batteries, and 2 chargers. The LST220 cordless GrassHog Trimmer delivers 7,500 rpm and a wide, 12-inch cutting swath for effective trimming. It has a unique spool system uses centrifugal force to automatically feed out more line when you need it. It easily converts from a trimmer to an edger and instantly starts every time with the pull of a trigger. The LSW120 cordless sweeper has an efficient design easily clears debris from hard surfaces like patios, decks, walks, drives and garages. Its lightweight design makes it easy to use and store. The LHT120 Cordless HedgeHog Hedge Trimmer has an extended 22-inch blade that provides a smooth and level cut. The shearing blade cuts faster than other cordless units with branches up to 3/4-inch thick.

http://www.saleoftoday.com/Description
Security Camera Decoy w/ Blinking LED & Adjustable MountCriminals will be convinced that the area is being electronically monitored and will go in search of an easier target. Fake security cameras are an easy, cost-effective way to help prevent crime at your home, office or retail location.Features Include:Led Light
No wiring needed
Installation screws included
Adjustable base allows you to set angle of the camera
This is NOT a functioning camera; however it will deter most criminal activity
Realistic appearance when mounted, no one will know the difference, except for you!
Requires two AAA batteries (not included)
Measures: 7.5 x 3.25 x 6.25 inches

linkeligible for FREE Super Saver Shipping on orders over $25 or Prime.
Durable stainless steel construction will provide a lifetime of great useExtendable design reaches from 6.5 inches to 20 inches in lengthCurved design with five fingers effectively tackles itchy spotsAllows you to easily reach those pesky itches and tickles in hard-to-reach spots on the body

OfficeMax.com Get 100% back in MaxPerks Rewards on select TFP Federal Labor Law Posters 10/30-11/05
MaxPerks Rewards offers for the week: LINK. Log into your rewards account to view ad until OfficeMax.com MaxPerks page is updated for this week.
100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. [LINK]
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from October 30, 2011 thru November 5, 2011. $19.99 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $39.98 Bonus Reward per member. 100% Bonus Reward on TFP Federal Labor Law Posters (items# 22397791, 22397782, 22397773) available online only. $100 Bonus Reward on Kodak Z990 EasyShare, 12 Megapixel, 30x Zoom, Digital Camera (item# 23036420) available online only, limit 2, maximum $200 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 11/5/2011 unless otherwise indicated.Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, e-Readers, gift cards, general-use prepaid cards, phone cards, Sprint service plans, purchases with a Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.----------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

wireless headphones with mic, $18.88 shippedTexty
These brand new wireless 5 in 1 headphones by DGL retail for $99.99 plus tax. Featuring an easy adjustable head band and a padded headset, these come equipped with a built-in FM transmitter and a scan key on the headphones to select your favorite radio station. You can connect to most audio devices, such as televisions, computers, media players, mp3, cd, vcd and dvd players with the included RCA or 3.5mm to RCA cables. Effective up to 35 feet, you can also enjoy your favorite music or listen to your favorite television show or movie by connecting wireless. These wireless headphones also come equipped with an easy to use switch for your listening options, built in-microphone for wireless net chat or wireless monitoring. You can place the monitor near children, elderly people or people in need of care; the sound is then emitted by them and then comes through clearly to the wireless headphones. Complete with a full warranty and our exclusive 30 day money back guarantee.

Just got an email with this promotion --you need to register for it here using your flexperks number. Earn 1500 bonus points after $2000 in purchases between Nov 1 and Dec 31. This was for the FlexPerks Travel Rewards Visa Signature card that I have. Not sure if the other, non-Signature, flavor of the card is eligible for this. You may find that you are eligible for other promos after logging in too.Not super hot, I know, but better than nothing. This is one little interesting card that effectively gives you up to 4% back in the form of air travel if you charge in certain categories

Just saw this... I know many of us took advantage of the AMEX program that is no longer... Any comments?
The Citi Price Rewind Program
Description of Coverage:The Citi Price Rewind Program helps you get the best price you can find on many products you buy. If you buy an item with your Citi card, you can register it on www.citipricerewind.com, and if within 30 days of the original purchase date a lower price of at least $25 is advertised for the same item by the same manufacturer in a Printed Advertisement or on a non-auction Internet Advertisement, or a validated lower price is provided from a price tracking entity authorized by Citi, you may be eligible to receive a refund of the price difference, up to $250 per item (up to a maximum of $1,000 per Eligible Person per calendar year.) The advertisement must have been published or disseminated by the merchant on or within 30 days after the original purchase date and must be for the same item by the same manufacturer for a lower price. Same item means the same model number and same model year.What is Covered:Subject to the exclusions below, new items purchased in a retail store or on the Internet and paid for entirely with your Citi card qualifies you for the Citi Price Rewind Program.What is not Covered:The Citi Price Rewind Program does not apply to:
Boats;
Motorized vehicles (including but not limited to airplanes, automobiles and motorcycles), or their motors, equipment, and accessories (including but not limited to communication devices intended solely for use in the vehicle);
Consumables and perishables;
Items which the Eligible Person damages through alteration (including cutting, sawing, or shaping);
Land, permanent structures and fixtures (including but not limited to buildings, homes, dwellings, and building and home improvements);
Travelers' checks, tickets of any kind, negotiable instruments, bullion, stamps, rare or precious coins, cash or its equivalent, lottery tickets or tickets to events or for entertainment;
Live plants or animals;
Used, antique, recycled, previously owned, rebuilt, or remanufactured items, whether or not the Eligible Person knew the item was used, antique, recycled, previously owned, rebuilt, or remanufactured;
Items for which the Printed or Internet Advertisement containing the lower price was published or disseminated by the merchant more than 30 days after the Eligible Person's purchase;
Items purchased subject to rebate, redeemable manufacturer's coupon, or any refund of any sort, in which case the purchase price will be determined by taking into account any such rebate or refund;
Customized/personalized, unique and one-of-a-kind items;
Items purchased for resale, professional or commercial use;
Services (including but not limited to the performance or rendering of labor on new parts eligible for this program or maintenance, repair or installation of products, goods or property, or professional advice of any kind);
Jewelry, collectibles, art, antiques, special order, rare one-of-a-kind items;
Stuffed or mounted animals, animal or fish trophies;
Airline tickets or transportation tickets of any kind;
Differences in price due to shipping, handling costs or sales tax;
Items purchased by a non-U.S. resident;
Items purchased and/or delivered from merchants outside of the United States;
Merchandise offered through special offerings by the Issuing Member.This Coverage does not apply to items advertised in or as a result of price comparisons based on merchant fliers, price lists, price quotes or bids from merchants, advertisements of "limited quantities", "out of stock" items, "going-out-business" sales, "cash only" sales, closeouts, price reductions due to manufacturer's coupons, "free" items or where the advertised price includes "bonus" or "free" offers, special financing, installation or rebate, or one of a kind or other limited offers and prices advertised 31 days after the original purchase by the Eligible Person.What constitutes an advertisement at a lower price:Printed Advertisements:A Printed Advertisement is an advertisement appearing in a newspaper, magazine, store circular, or catalog which states the authorized dealer or store name, item (including model number), and sale price. In order to receive a refund of the price difference, the advertisement must have been published on or within 30 days after the original purchase date and must be for the same (including model number) item by the same manufacturer for a lower price of at least $25.00.Internet Advertisements:An Internet Advertisement is an advertisement appearing on the Internet on a site whose primary purpose is the sale of merchandise and which states the authorized dealer or online store name, item (including model number), and sale price. Internet Advertisements include the online versions of Printed Advertisements. In order to receive a refund of the price difference, the advertisement must have been disseminated by the Internet merchant with a valid tax identification number on or within 30 days after the original purchase date and must be for the same (including model number) item by the same manufacturer for a lower price of at least $25.00.To File a Claim: 1. If you have registered your purchase on www.citipricerewind.com and a lower price is found, you will need to submit the following:
Information Disclosure - Read and sign the Information Disclosures provided with the claim form
Claim Form - Complete the sections marked with an X within the claim form
OR
2. If you chose not to register your purchase on www.citipricerewind.com and would like to file a claim based on an advertised lower price you found, you can file your claim directly by contacting Citicorp Insurance Services, Inc. toll-free at 1-866-934-1140. Claim assistance is available Monday-Friday, 8am-8pm, ET. General information is available Monday-Friday, 7am-7pm; Saturday and Sunday 9am-9pm, ET. At your request, a claim form will be sent to you for completion; 3. All Claims submitted must have legible copies of these two forms of proof-of-purchase with your claim form:
Your original merchant or credit card receipt showing the item purchased.
Copy of credit card statement showing purchase was made with Citi credit card.4. If you are not filing a claim based on a validated lower price from a price tracking entity authorized by Citi, you will need to include with your claim form a legible copy of the advertisement showing the lower price.5. Mail or fax your claim form with all required documents within 90 days from the date of purchase to:  Citicorp Insurance Services, Inc.P. O. Box 901024Fort Worth, Texas 76101Call toll-free 1-866-934-1140Fax to 1-817-820-59176.Once the required documentation is submitted and your claim is verified, you will receive a check for the price difference, up to a maximum of $250. All required claim documentation must be received by the claim administrator within 90 days of the Purchase Date.
Claim Limitations:Coverage is subject to a limit of $1,000 per Eligible Person per calendar year, regardless of the number of accounts or cards held by each cardmember. Multiple purchases of the same item are limited to a $250 maximum claim payment per sales receipt. Claim payment on any claim will not include merchant's credit, discount and/or manufacturer's rebates, and shipping and handling fees. We will only pay one claim per item per day regardless of whether the item is advertised by the same merchant for two (2) different prices on the same day. The required minimum price difference for claim consideration is $25. General Provisions of the Citi Price Rewind Program:This Description of Coverage is an important document and is not a contract of insurance. It is simply an informative statement to each Eligible Person of the principal provisions of the insurance. Complete provisions pertaining to this program of insurance are contained in Policy Number 80609 issued and underwritten by Triton Insurance Company, with administrative offices in Texas. In the event of a conflict between a statement in this Description of Coverage and any provisions in the Policy, the Policy will govern. Citi reserves the right to alter the terms of the Citi Price Rewind Program at any time with 30 days notification. No benefits will be provided in the event of fraud. Benefits to Cardmember:These benefits do not apply if the cardmember's card privileges have been cancelled. However, insurance benefits will still apply for any benefit they were eligible for prior to the date that their account was suspended or cancelled, subject to the terms and conditions of coverage.Legal Action:No action at law or equity shall be brought to recover on the Policy prior to the expiration of sixty (60) days after written proof has been furnished in accordance with the terms of the Policy.No Assignment of Benefits:No person or entity other than the Citi cardmember shall have any legal or equitable right, remedy or claim under or arising out of this coverage. No rights or benefits provided to a Citi cardmember under the Citi Price Rewind Program may be assigned without the prior written consent of the Claim Administrator. Any assignment or transfer without the prior written consent of the Claim Administrator shall be null and void.Cancellation:Citi can cancel the Citi Price Rewind program at any time or choose not to renew the insurance coverage for all cardmembers. If Citi does cancel, you will be notified at least thirty (30) days in advance. If the insurance company terminates, cancels or chooses not to renew the coverage to Citi, you will be notified as soon as practicable. Such cancellation shall be without prejudice to any claim originating prior to the effective date of cancellation, termination or non-renewal, subject to the Description of Coverage.

Effective 10/27/11. This is a renewed promotion, except this time it includes all taxes. You can get 4 lines of basic phone unlimited talk, text and web for $100. You can also sign up with fewer lines. Here's how it works:1 line $40
2 lines $35 ea.
3 lines $30 ea.
4 lines $25 ea.Family plan discount is $5 off per month, per line, is always in effect. Cannot be combined with the 4 for $100 above.You can also add a line for this discount. Example: if you have three lines and you add one basic phone line the price is $25/mo. Android phone lines start at $50/mo.

If you already have natural gas heat, you can stop reading, you've already got the cheapest heating fuel for this winter.Myself, I'm stuck with oil for central heat. Gas company wants $35,000 to extend the main down my street...Recently I've noticed electric rates have been falling pretty substantially, probably due to natural gas being so cheap right now. But it's opened my mind to thoughts about using electricity for heat. 1 KWH produces 3412 BTU of heat. At my current electric rate (inclusive of all costs) of $0.12, this comes out to $3.52 per 100,000 BTU (1 therm). Resistive electric heat is 100% efficient as none of it is sent outside as exhaust, like other heating fuels. Compared to oil heat, where my boiler probably averages 80% efficiency: $3.42 per gallon (currently) X 1.39 (therm/gallon) X .80 (efficiency) = $3.80 per 100,000 BTU of heat inside the house.So right now it's actually more cost effective to heat the entire house with space heaters than it is to burn heating oil, never mind that I can more effectively heat only the occupied areas of the house more easily with space heaters and gain efficiency that way.I'm wondering if others can chime in with real calculations of their cost per 100,000 BTU for other heating fuels. I'm particularly curious how propane and pellets are fairing this winter.Editted to correct inverted (therm/gallon)

OfficeMax.com Get 100% back in MaxPerks Rewards on Avery Marketing Solution Labels 10/23-10/29
MaxPerks Rewards offers for the week: LINK. Log into your rewards account until OfficeMax.com MaxPerks page is updated for this week.
100% back in rewards items. Available online only for rewards purposes:Avery Marketing Solution Labels LINK
--- No idea why the offer's terms do not reference the Avery labels.
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
----------------------TERMS:♦Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from October 23, 2011 thru October 29, 2011. $19.99 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $39.98 Bonus Reward per member. $40 Bonus Reward on select Lexmark Printers (items# 22101743, 22101761) limit 2, maximum $80 Bonus Reward per item per member. $30 Bonus Reward on select Lexmark Printers (item# 22101752) limit 2, maximum $60 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 10/29/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.
----------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

MAY-2011 Injury amounting in about $1300.00 out-of-pocket expenses. At the time of the injury, I had a typical health insurance plan (low deductible) and was in the midst of applying for a high deductible plan (not yet accepted).MAY-JULY 2011 I received treatment for the above injury and in all racked up bills totaling the $1300.00 out-of-pocket (patient portion). All treatments were completed by 07/31/11. No bills paid as not all bills were even received by all providers.AUGUST 1ST 2011 - Began new insurance with high deductible plan and Health Savings Account feature.Question:Can I fund my Health Savings Account, and use funds to pay the past medical bills even though the bills predate the establishment of the Health Savings Account? p.s. Not sure how this plays into it (if at all) but I had applied for the High Deductible insurance plan with Health Savings Account in Feb 2011 and was denied. Then went onto insurer of last resort state high risk pool with low deductible (dumb luck as I did not foresee the injury) which was the only silver lining. Then I switched to the High Deductible plan with Health Savings Account feature 08/01/11 when I finally won the appeal process for my initial Feb 2011 application. Effective date of new High Deductible with HSA feature insurance was 08/01/11.

Do you think it would be effective to take a credit card company to small claims court over a credit report dispute? In a nutshell, on January 20 of 2008, I called BoA credit to pay off my entire balance. I had the entire balance in cash in my checking account. Having that matter cleared up, I went backpacking in South America for a few months, and when I returned, I was shocked to find out that BoA had never followed through with the payment. The only thing I can say for myself was that I was young, and that I didn't realize that I should keep tabs on a company to do something so elementary. This was also before the days of Mint.com
, and before I became obsessive about these things. I have notes re: my conversation of that day from the time. I have plane tickets that show I was out of the country. I have bank statements that show I was flush with cash. I paid off the entire amount when it came to my attention upon my return. I have perfect credit in all other respects. All I want is for that 90 days in arrears mark to be removed from my credit report. Buoyed by reading this forum, I've recently become interested in resolving things. BoA claims that since they don't have it entered in their call record that a payment was initiated on that day, that they cannot remove the mark.So after I send them a round of requests, which they will undoubtedly deny, what do you think my options are? I feel like taking them to small claims court for $1 would get their attention. That would cost their legal team a lot of money-- it would seem simpler to simply have someone "take a second look", and fix the problem. Do you think this is a viable strategy?I also just want to drive home that I am not trying to pull on over on BoA. I just can't believe how shockingly incompetent the person I dealt with that day was, and how I have been made to pay for it in the meantime.

Midweek Steam Specials for PC GamesBatman: Arkham Asylum GOTY Edition $9.99 (50% off)
LEGO Batman $9.99 (50% off)Purchase LinkAlready own either (or purchase now) on Steam and get 20% off a pre-order on the new Batman: Arkham City making it $39.99 rather than $49.99. Release date on the PC version is Nov 15.News LinkOne way to look at it is that you get the original game for effectively free with your pre-order.

Product Features A smarter auto mode
Unlike traditional auto mode, Intelligent Auto (iAuto) mode thinks for you - recognizing scenes, lighting conditions and faces - and automatically adjusts the settings for you. The results are clear images, faces with natural skin tone and less blur.
Goodbye blurry photos
Don't let a not-so-steady hand prevent you from capturing the moment. Built-in SteadyShot image stabilization compensates for camera shake and helps prevent blur by capturing two photos at high shutter speeds and combining them into one clear image.
Catch them smiling
Capture a smile the moment it happens with Smile Shutter technology. Simply press the Smile Shutter button and when your subject smiles, a photo is automatically taken. You can also adjust the sensitivity for adults or children for even better results.
Faces first
Sony's Face Detection technology detects up to eight individual faces and adjusts focus, exposure, and white balance to help deliver crisp, properly lit images of family and friends.
Fit everybody in
The professional-quality Carl Zeiss Vario-Tessar 4x optical zoom lens with 26mm equivalent wide angle brings distant subjects closer for great outdoor and travel photos. Plus, the wide angle lens helps you fit everyone in for better group photos.
In-camera retouching
Photo editing doesn't have to be done on your PC. Convenient, in-camera retouching is the quick and easy way to enhance your photos on the go. You can trim, correct red eye and use unsharp masking functions. Product Identifiers
Brand:Sony
Model:DSC-W330
MPN:DSC-W330/L
UPC: 0027242779860, 027242261945, 983481516690Key Features
Camera Type:Point & Shoot
Optical Zoom:4x
Digital Zoom:2x
Sensor Resolution:14.1 MP
Screen Size:3"Optical Sensor
Sensor Size:1/2.3"
Sensor Type:Super HAD CCDLens System
Lens TypeZoom: lens
Focal Length Range:5mm - 19mm
Macro Focus Range:4cm
Focus Adjustment:Automatic
Lens System Features:Aspherical Lens, Built-in Lens Hood
Auto Focus type:TTL contrast detection
Lens Construction:5 group(s) / 6 element(s)
Lens Manufacturer:Carl Zeiss
Focal Length: Equivalent to 35mm Camera26 - 105mmExposure
Max Shutter Speed:1/1600 sec
Min Shutter Speed:1 sec
Exposure compensation:2 EV range, in 1/3 EV steps
Exposure Metering:Center-Weighted, Multi-Segment, Spot
Exposure Modes:Automatic, Program
Light Sensitivity:ISO 100, ISO 1600, ISO 200, ISO 3200, ISO 400, ISO 80, ISO 800, ISO auto
Light Sensitivity Max:3200Camera Flash
Flash Type:Built-in flash
Red Eye Reduction:Yes
Effective Flash Range:0.3 m - 3.5 m
Flash Modes:Auto Mode, Fill-in Mode, OFF mode, Red-eye Reduction, Slow SynchroMemory / Storage
Flash Memory Size (Provided by manufacturer):28 MB
Supported Flash MemoryMemory Stick Duo, Memory Stick PRO Duo, Memory Stick PRO Duo Mark2, Memory Stick PRO-HG Duo, SD Memory Card, SDHC Memory CardViewfinder
Viewfinder Type:NoneDimensions
Depth:0.7 in.
Height:2.2 in.
Width:3.8 in.
Weight:4 Oz.Display
Display Type:LCD
Display Rotation:Built-in
Screen Details:LCD display - TFT active matrix - 3" - color
Display Size:3"Microphone
Microphone Type:Microphone - built-in - electret condenser - mono
Microphone Operation Mode:MonoConnections
Connector Types:1 x USB, 1 x composite video/audio output
Expansion Slot:1 x Memory Stick PRO Duo, 1 x SD Memory CardSystem Requirements for PC Connection
Operating System Supported:Apple Mac OS X 10.4 - 10.6, MS Windows 7, MS Windows Vista, MS Windows XP SP3Battery
Battery Form FactorManufacturer specificFile Format
Digital Video Format:AVI, MJPEG
Still Image Format:JPEGResolution
Max Video Resolution:640 x 480Environmental Parameters
Min Operating Temperature:0 C
Max Operating Temperature:40 COther Features
Additional Features:Audio Recording, Auto Power Save, Automatic Face Tracking, Built-In Speaker, Cropping An Image, DPOF Support, Date/Time Stamp, Digital Image Rotation, Digital Noise Reduction, Direct Print, Dynamic Range: Optimizer, Intelligent Scene Recognition (iSCN), Motion Detection, PRINT Image Matching, PictBridge Support, RGB Primary Color Filter, Red eye Fix, Self Portrait Auto Shutter, Smile Capture, USB 2.0 Compatibility
Face DetectionYes
Shooting Modes:Frame Movie ModeMiscellaneous
Color :Blue
Shooting Programs:Beach, Gourmet, High sensitivity, Landscape, Pet, Snow, Soft snap, Twilight mode, Twilight portrait, Underwater
Continuous Shooting Speed:1 frame per secondhttp://www.ebay.com/itm/Sony-Cybershot-14.1-MP-Digital-Camera-W-...

*** We guarantee your satisfaction on every product we sell with a full refund. ****** This item may be eligible for manual reimbursment through your Flexible Spending Account. ***LINKPhilips HeartStart Home Defibrillator $1025 Shipped @ Costco
Valid for orders placed October 14, 2011 through November 13, 2011. While supplies last.**The $125 manufacturers discount will automatically be deducted at checkout. State law may require sales tax to be charged on the pre-discounted price if the product is subject to sales tax.Bonus Offer Includes HeartStart Training Pads, American Red Cross First Aid Kit & Wall Mount BracketThe Philips HeartStart Home Defibrillator is the first and only new-generation defibrillator specifically designed for the home and has been recognized as safe to use because it delivers a shock only when advised and is easy to use by virtually anyone. It is also ready when you need it because it performs its own self-tests. HeartStart is the first and only home defibrillator cleared for sale without a prescription.HeartStart treats the most common cause of sudden cardiac arrest. This award-winning and consumer friendly device is:Safe
Based on industry-leading technology
Only treats shockable heart rhythms
Easy to Use
Guides you with interactive voice instructions
Senses and adapts to your actions
Provides CPR coaching
Reliable
Comes with a 4-year battery
Runs daily self-tests for readiness, virtually no maintenance needed
If HeartStart detects a problem, it chirps loudly to alert owner
Portable
Weighs just 3.3 pounds. Take it wherever you go.
The Philips HeartStart Home Defibrillator is designed to treat one of the nation's leading killers - sudden cardiac arrest (SCA). When SCA strikes, the electrical system of the heart short circuits. Shocking the heart into a normal rhythm is called defibrillation and is the only way to effectively treat the most common form of SCA.Will you be prepared when sudden cardiac arrest strikes?Know the facts.
Fact: Each year, approximately 325,00 people in the U.S. - nearly 1,000 people each day - die from sudden cardiac arrest (SCA).Fact: Nearly 80% of all sudden cardiac arrest happen in the home. A majority of the time, someone is in the home who could potentially help. That someone could be you.Fact: The risk of sudden death is highest soon after a heart attack, yet SCA is often the first sign of heart disease. In fact, 50% of males and 64% of females who experience SCA report no prior symptoms of heart disease.Fact: With every minute that passes without a shock to the heart, an SCA victim's chance of survival decreases by 7-10%. After 10 minutes, very few SCA victims survive.Early Defibrillation Helps Save Lives.
In the case of sudden cardiac arrest, minutes count. For the best chance of survival, a defibrillator should be used within 5 minutes. Unfortunately, less than 7% of SCA victims survive, largely because a defibrillator doesn't arrive in time. While a defibrillator won't save every victim, many more lives could be saved if more people were reached more quickly.The Philips HeartStart Home Defibrillator comes with everything you need:Philips HeartStart Home Defibrillator
Red carrying case with 911/EMS card
Adult SMART pads cartridge* (lasts 2 years)
Battery (lasts 4 years)
Training video
Discount coupons for CPR training at American Heart Association, American Red Cross or Medic First Aid
5-year product warranty
4-year battery warranty
2-year pad warranty
You will also receive these BONUS ITEMS!HeartStart Training Pads Kit
American Red Cross Family First Aid Kit
A Sturdy Wall Mount Bracket
*The Infant/Child pads cartridge for children under the age of 8 or weighing less than 55 pounds is sold separately, and is available by prescription only. Talk to your doctor. Contact Philips at 1.866.333.4246 to order or for more information.A Support Program Enrollment Card is also included with the HeartStart Home Defibrillator. By enrolling in this free program, you will have access to a range of services, including:Important notifications about HeartStart
Customer Service**
Periodic accessory reminders
Post-use counseling**
**These services are available to all HeartStart owners.Please consider these things before your purchase:If you have questions or concerns about your health, or an existing medical condition, please talk with your doctor. A defibrillator does not take the place of seeking medical care.
You cannot use the HeartStart to treat yourself.
Users may need to perform CPR.
Responding to cardiac arrest may require you to kneel.
Voice instructions and enclosed materials are in English.
HeartStart provides audible and visible indicators when maintenance is required.
This item may be eligible for manual reimbursment through your Flexible Spending Account. Check with your plan administrator for details.

Text
http://www.bargainoutfitters.comB41A1-187946 Chaps Insulated Jacket
$19.97Chaps apparel redefines true American style! Classic-look Jacket beats frosty air with rugged good looks and tough durability. Cold-stopping power comes from a lightweight but heavy-duty fill that effectively repels wintry air without adding bulk that can slow you down. Chase the chill with Chaps, and you can be sure you'll catch the best in quality and value! Frigid-fighter:
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Machine wash / dry. Imported.State Color and Size, as available in the Shopping Cart below. Enjoy big Close-Out savings when you order ONLINE now! B41A1-189438 Oscar Sports Insulated Hooded Jacket
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Set the pace in style this winter! Mush! Mush! Dogsled team or not, this dynamite Hooded Jacket is just begging for wintertime outdoor adventures. Before heading out the door, slip yours on for pure comfort, even if the temperature is hovering in the teens and there's a raw wind. This Oscar Sports outerwear offers the warm protection you need to look sharp and feel fantastic. Our buying power means discount savings for you. Save BIG!Performance plus:
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Machine wash / dry. Imported.

I've been considering the intentional late payment of my annual property tax. Not every year, just every other.Year in and year out, I've been just barely managing to itemized enough to make it worthwhile versus taking the standard deduction.The intent is to maximize the benefit of related deductions when taken. I vaguely recall reading a FW post which mentioned this very strategy a while back.My state will impose a low (expected ~3%) interest rate and direct 5% penalty on the balance due for each month I am late. I'll be less than a month, probably only a couple days late. To account for an unknown/inexact interest rate impact, I'll overpay the penalty plus late amount due by a good margin. So that's the cost side.
The benefits include:
Taking the standard deduction for 2011. This is good since remaining deductions are not even half that amount in my case.
The 2011 amount paid in 2012 directly adds to the 2012 payment itself which will be on time, effectively doubling the related amount to be itemized on the 2012 return.The key here is that all the delayed amount will be above the standard deduction, maximizing its value, unlike when it is 'eaten' in large part by the offsetting loss of the standard deduction.It is also pertinent that I live in a state with income tax. Though the federal tax benefit is more than enough incentive all on its own, the higher overall deductions are also expected to reduce the state tax burden.
Given such a situation, are their additional caveats/pitfalls which should be considered?

OfficeMax 10-Ream Case of paper: $42.99 - $42.98 in Rewards = $0.01 after Rewards PLUS 100% back in rewards items 10/16-10/22
MaxPerks Rewards offers for the week: LINK
OfficeMax Multiuse Copy Paper, 10-Ream Case [22525581] $42.99 - $42.98 in Rewards
--- Valid in-store and online
--- Limit 2
--- Coupon usage should not reduce the rewards payout for a fixed value offer such as the paper. Coupon usage will reduce the rewards payout on the 100% back in rewards offers below.
--- Paying for this purchase with rewards should not reduce rewards payout.
100% back in rewards items. Available online only for rewards purposes:Mr. Sketch Scented Water Color Markers, 12-pack (item# 11001382) limit 4, $8.79 LINKPrismacolor Scholar Pencil Eraser (item# 22532305) limit 4, $1.35 LINKPrismacolor Scholar Colored Pencil Sharpner (item# 22532314) limit 4, $1.99 LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
----------------------Save 20% all week on your ink, toner or supply purchase:
--- online coupon code: SAVEATHON
--- in-store coupon: LINKValid 10/16/11 thru 10/22/11. Excludes all HP ink and toner. Offer excludes all OfficeMax ImPress purchases, all furniture products and all technology products, including but not limited to computers, computer accessories, monitors, tablets, eReaders, printers, printer accessories, cameras, camera accessories, media, software, shredders, and calculators as well as gift certificates, gift cards, general-use prepaid cards, phone cards, Sprint devices and service plans, shredding services, MaxAssurance, Ctrlcenter, OfficeMax Essentials Kits, assembly or FedEx Shipping Services. Coupon valid on regular, promotional and/ or clearance-priced items. Purchase limits may apply. Limit one per customer. All offers available while supplies last. Void if copied, sold, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail Connect(SM) pricing. Not valid on prior purchases or for credit card payments. Coupon must be surrendered at t me of purchase. No cash or credit back. No Rain Checks will be issued unless required by law. Cash value .001. 2011 OMX, Inc.----------------------TERMS:*Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from October 16, 2011 thru October 22, 2011. $39.98 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $79.96 Bonus Reward per member. 100% Bonus Reward on Mr. Sketch Scented Water Color Markers, 12-pack (item# 11001382) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on Prismacolor Scholar Pencil Eraser (item# 22532305) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on Prismacolor Scholar Colored Pencil Sharpner (item# 22532314) available online only, limit 4 Bonus Rewards per member. $5 Bonus Reward on a DYMO LabelManager Plug 'n Play Label Maker (item# 22448077) available online only. $60 Bonus Reward on Kodak M5370 Digital Camera (item# 23104711) available online only, limit 2, maximum $120 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 10/22/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, tablets, eReaders, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

You can find information about this security often by ticket symbol: JPM-I . It is traded like a regular stock by most places except, you might find a GTC option not possible (not sure why except due to its thinly traded status).Prospectus: http://www.sec.gov/Archives/edgar/data/19617/000119312508179724/...I was curious if this was a common method for others to get a high return option. It is not the highest return (maybe those BP bonds ones after the oil spill had the best return), but still rather high. I guess a couple of things come to light.-The more you pay for the stock, the worse it does for your coupon rate of return.
-These are likely better held in tax-advantage accounts (Roth)
-There is a callable situation, but you would just take back your investment and move on.The current effective yield is in the high 7s due to price above par.Are there folks buying these or are these not as commonly held?http://www.quantumonline.com/search.cfm?tickersymbol=JPM-I&sopt=...
http://seekingalpha.com/article/272432-jpm-preferred-profit-from...
http://seekingalpha.com/article/259185-7-preferred-stocks-smart-...Rasheed

OfficeMax 10-Ream Case of paper: $42.99 - $42.98 in Rewards = $0.01 after Rewards 10/16-10/22
OfficeMax Multiuse Copy Paper, 10-Ream Case [22525581] $42.99 - $42.98 in Rewards
--- Valid in-store and online
--- Limit 2
--- Coupon usage should not reduce the rewards payout.
--- Paying for this purchase with rewards should not reduce rewards payout.Found in the online version of the weekly ad, page 9 and in a blast email.
----------------------TERMS per email:Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from October 16, 2011 thru October 22, 2011. $42.98 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $85.96 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.----------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

I am a flaming liberal, but even I think this OpEd by a Reagan-era economic advisor is just stupid. If a homeowner in a non-recourse state is way under water, they should just walk away and take the credit hit, and let the bank--who took a calculated risk when they wrote the mortgage--should absorb the loss. House prices would fall until supply equals demand. Why the hell should the government absorb the loss, effectively bailing out the banks again for 50% of their inevitable loss... How to Stop the Drop in home prices"If the bank or other mortgage holder agrees, the value of the mortgage would be reduced to 110 percent of the home value, with the government absorbing half of the cost of the reduction and the bank absorbing the other half. For the millions of underwater mortgages that are held by Fannie Mae and Freddie Mac, the government would just be paying itself. And in exchange for this reduction in principal, the borrower would have to accept that the new mortgage had full recourse in other words, the government could go after the borrowers other assets if he defaulted on the home. This would all be voluntary."

Here's a great deal that I found that I'm trying to post but it keeps getting deleted for some reason. Please let me know if I'm doing something wrong. This is a great deal!!!! (at least I think so!)
link:
www.SaleofToday.com$4.99 + $4.99 ShippingDescription
From cutting up some chicken in the kitchen to using the bathroom, your hands are in constant contact with bacteria and germs. Now your soap dispenser doesn't have to be with the Touchless Automatic Liquid Soap Dispenser. Just move your hand in front under the dispenser's sensor and a preset amount of soap will be dispensed into your hand. Help to effectively reduce germs and bacteria accumulation on the soap dispenser with the Touchless Automatic Liquid Soap Dispenser by Trademark Home.
Features include:
Built-in sensor
Works with liquid soap
Touchless technology helps reduce mess and spread of germs
Dimensions: 4.625 x 3 x 7.125 inches
Requires 4 AA batteries (not included)
Soap not included

I have money that in theory is being saved for a house down payment but to be honest, I don't have a set timeframe in mind for when I want to buy. I suspect it won't be for at least 3-5 years, but it could be longer. I'm currently single and renting an apartment, which is working out fine for now. Nevertheless, I'm also trying to save a lot for the future.Online savings accounts are currently yielding only ~1% or so. CD's are a bit higher, but in exchange for locking your money up for an entire year, you are only getting an extra 0.30% in interest(http://www.fullofdeals.com/forums/finance/682884/). Bernanke has indicated that short-term interest rates will stay near 0 for the indefinite future, so I don't expect the savings and CD rates to rise anytime soon. Additionally, with the CD your house purchase is somewhat less flexible because the money is locked up for a set period of time. The money may not be available to you when you need it unless you break the CD and pay the penalty.The problem is that inflation is greater than 1%, and with a 3-5+ year time horizon, my savings are effectively losing purchasing power each year by sitting in a savings account. Stocks seem way to volatile for a 3-5+ year time horizon and for something like a house down payment (or are they? - maybe a small allocation would work?). What about a bond fund? I haven't done the math on the post-tax returns (both regular income and ST/LT capital gains are a factor here), but the historical data for a fund like VBMFX indicates that if you're holding it for a few years, you stand a good chance of coming out ahead vs. a savings account:http://finance.yahoo.com/q/pm?s=VBMFX+PerformanceOr is even that too risky for this purpose?I already max out my Roth IRA and 401k and don't really want to use my retirement savings for something like this.Another point I should mention is that while the houses I would ultimately like to buy cost $X, a typical basic "starter home" around here might cost anywhere from $0.5X to $0.75X. I've always heard about people "trading up" after owning a house for a few years, using the profits of the sale of the first house (which I believe are tax-free up to $500k) to help finance the down payment on the next one. Would it be a good strategy to buy the starter home sooner rather than later, then count on appreciation after a few years to be greater than what I could have saved by continuing to live in my apartment and saving money? I could then sell the starter house and use the profits to finance the down payment on the better house. Given the current state of the housing market, I'm not sure if this strategy is as viable as it once was, even though mortgage rates are at rock-bottom levels right now.I realize this post might get redded for being just another "What to do with $X?" post, but I did search ahead of time and do some research. All similar threads on here I could find were from 2005-2007, when HYSAs and CDs were yielding 5+%.

Canon EOS Rebel T3 Digital SLR Camera w/18-55mm IS II +17 PCS KIT + 8GB + More!! on eBay daily deal from beststopdealsLooks to be a nice deal, Link: http://www.ebay.com/itm/Canon-EOS-Rebel-T3-Digital-SLR-Camera-w-...Detailed item info
Product Information
Perfect for photographers ready to make the move to digital SLR photography, the EOS Rebel T3 delivers beautiful photos and video, speed, simplicity and fun. It features a 12.2 Megapixel CMOS Image Sensor and Canon DIGIC 4 Image Processor for richly detailed images and quick camera response. It has Canon's amazing 63-zone, Dual-layer metering for accurate exposures and features Canon's Basic+ function, HD video recording and Live View shooting, plus a convenient in-camera Feature Guide. The EOS Rebel T3 is as beautiful as the pictures it takes.Product Features Technology for outstanding images
Canon's CMOS (Complementary Metal Oxide Semiconductor) sensor captures images with exceptional clarity and tonal range, and offers the most pixels in its class. It offers many of the same technologies to maximize each pixel's light gathering efficiency that were first seen with the professional EOS-1D Mark III model. It's an APS-C size sensor (22.2 x 14.8mm), and there's an effective 1.6x increase in the lens's marked focal length when attached.
DIGIC 4 image processor
The improved DIGIC 4 Image Processor ensures that images are captured, processed and saved with remarkable speed. The EOS Rebel T3 DSLR's 3:2 multiple aspect ratio, in-camera RAW image processing, creative filters, image resizing and provided S2 and S3 image-recording quality are all possible thanks to the DIGIC 4 Image Processor. With dazzling results, the DIGIC 4 Image Processor also works to capture and process data of images shot at 12.2 Megapixels at 3.0 fps, as well as 14-bit signal processing for excellent image gradation, enhanced Face Detection Live mode, Full HD video recording, Auto Lighting Optimizer and Lens Peripheral Optimization. Product Identifiers
BrandCanon
ModelRebel T3 / 1100D
MPN5157B002
UPC013803136340, 13803136340, 610563301171Key Features
Camera TypeDigital SLR
Optical Zoom3.1x
Digital Zoom3.1x
Sensor Resolution12.2 MP
Screen Size2.7"Optical Sensor
Sensor Size14.7 x 22mm
Sensor TypeCMOSLens System
Lens TypeZoom lens
Lens For SD18-55mm IS II
Focal Length Range18mm - 55mm
Focus AdjustmentAutomatic, Manual
Lens Filter Size58 mm
Lens System FeaturesAspherical Lens
Auto Focus typeTTL phase detection
Lens Construction9 group(s) / 11 element(s)
Focal Length Equivalent to 35mm Camera29 - 88mmExposure
Max Shutter Speed1/4000 sec
Min Shutter Speed30 sec
Exposure compensation5 EV range, in 1/2 or 1/3 EV steps
Exposure RangeEV 0-20 ( ISO 100 )
Exposure MeteringCenter-Weighted, Evaluative, partial (10%), partial (9%)
Exposure ModesAperture-Priority, Automatic, Bulb, Depth-Of-Field, E-TTL II Program Flash, Manual, Program, Shutter-Priority
Light SensitivityISO 100-6400, ISO 12800, ISO auto (100-6400)
Light Sensitivity Max6400Camera Flash
Flash TypePop-up Flash
Red Eye ReductionYes
Camera Flash FeaturesAF Illuminator, Flash +/- Compensation
Flash ModesAuto Mode, Fill-in Mode, OFF mode, Rear Curtain Sync, Red-eye ReductionMemory / Storage
Supported Flash MemorySD Memory Card, SDHC Memory Card, SDXC Memory CardViewfinder
Viewfinder TypeOptical
Optical Viewfinder TypeEye-level mirror pentaprism
Viewfinder - Field Coverage95%
Viewfinder Magnification0.8x
Dioptric Correction Range-2.5 to +0.5Dimensions
Depth3.1 in.
Height3.9 in.
Width5.1 in.
Weight17.4 Oz.Display
Display TypeLCD
Display RotationBuilt-in
Screen DetailsLCD display - TFT active matrix - 2.7" - color
Display Size2.7"Microphone
Microphone TypeMicrophone - built-in - mono
Microphone Operation ModeMonoConnections
Connector Types1 x HDMI output, 1 x Hi-Speed USB, 1 x remote control
Expansion Slot1 x SD Memory CardBattery
Battery Form FactorManufacturer specificFile Format
Digital Video FormatH.264, MOV
Still Image FormatJPEG, RAW, RAW + JPEGResolution
Max Video Resolution1280 x 720Environmental Parameters
Min Operating Temperature0 C
Max Operating Temperature40 COther Features
Additional Features720p HD Movie Recording, AE/FE Lock, AF Lock, Auto Lighting Optimizer, Auto Power Save, Automatic Face Tracking, Brightness Control, Built-In Help Guide, DPOF Support, Depth-Of-Field Preview Button, Digital Noise Reduction, Direct Print, Dust Delete Data System, Exif Print Support, Highlight Point Display, Histogram Display, LCD Live View Mode, PictBridge Support, RGB Primary Color Filter, USB 2.0 Compatibility
Face DetectionYes
Shooting ModesFrame Movie ModeMiscellaneous
Color Black
Special EffectsFaithful, Landscape, Monochrome, Neutral, Portrait
Continuous Shooting Speed0.8 frames per second, 2 frames per second, 3 frames per second

eBay's Daily Deal... a bit cheaper than Amazon.http://www.ebay.com/itm/Canon-EOS-Rebel-T3-Digital-SLR-Camera-w-...Product Features Technology for outstanding images
Canon's CMOS (Complementary Metal Oxide Semiconductor) sensor captures images with exceptional clarity and tonal range, and offers the most pixels in its class. It offers many of the same technologies to maximize each pixel's light gathering efficiency that were first seen with the professional EOS-1D Mark III model. It's an APS-C size sensor (22.2 x 14.8mm), and there's an effective 1.6x increase in the lens's marked focal length when attached.
DIGIC 4 image processor
The improved DIGIC 4 Image Processor ensures that images are captured, processed and saved with remarkable speed. The EOS Rebel T3 DSLR's 3:2 multiple aspect ratio, in-camera RAW image processing, creative filters, image resizing and provided S2 and S3 image-recording quality are all possible thanks to the DIGIC 4 Image Processor. With dazzling results, the DIGIC 4 Image Processor also works to capture and process data of images shot at 12.2 Megapixels at 3.0 fps, as well as 14-bit signal processing for excellent image gradation, enhanced Face Detection Live mode, Full HD video recording, Auto Lighting Optimizer and Lens Peripheral Optimization.Bundle Includes: Canon EOS Rebel T3 Digital SLR Camera
Canon EF-S 18-55mm f/3.5-5.6 IS Lens
8GB SD Flash Memory Card
Deluxe Soft Medium Camera and Video Bag
Deluxe camera & video shoulder strap
Full Size Tripod 50- inch Plus Deluxe Case
Flexible Table Top Tripod
Deluxe Memory Card Wallet
Lens Cap Holder
All in One Memory Card Reader
Digital Camera Lens Cleaning Kit
Deluxe Screen Protectors (Clear)
110 /220 Volt adapter

Hello All,[posting under a new account because my regular profile is easily associated with my real identity]8 years ago I fell victim to an out-of-state eBay deal gone bad. I was the seller, buyer was nuts, and the long and short of it is that the buyer filed a small claim in his home jurisdiction, never served me, and got a judgment against me for a few kilobucks when I didn't show up. (IANAL; I might be mangling the terms or details.)For several years, then, his collection firm tried to find my bank accounts. I guess since I always used internet banks in other states, they were never able to find any assets to attach. However, eventually, I established a joint account with my wife at a large national bank. Within a few months, my safe deposit box was frozen and all assets in the account (a handful of kilobucks) were taken out by his agency/servant/whatever.For reasons that are a little hard to explain in this note, I elected not to fight the withdrawal. Please just accept that instead of wondering why I didn't try to lawyer up and go back at him. The point is, with interest, the amount in the account at the time was not enough to cover what the court deemed he was due, so he got a partial return. I strongly suspect he will allow more interest to accrue and go back after the account again. I could close it, but at this point in my life (nearly a decade later) I need access to a national bank with branches in major cities. So I would end up with another one of the handful of big banks anyway. What I am wondering is: could I simply switch my account to be only in my wife's name (right now it is joint) or open a new account in her name and move all funds to it. I can then retain my own account there but leave no funds in it. On occasions when I need access to funds in person, I just go on the website and move funds instantly from her account, withdrawing them minutes or hours later. This way, the funds in my account are effectively $0 should he go and attach to the account again. Is this a viable strategy? Am I missing something obvious? It almost seems too easy. Kindly suggest alternatives if you like, too.Thanks!

costco.com
Electronics | Cameras & Camcorders | Digital SLR Cameras TextNikon D5100 DSLR Camera
Includes 18-55 and 55-300mm
VR lenses, Nikon system case,
4GB 30MB/s SDHC card, DVD
and guide.
$999.99 Delivered
After $250 OFF
Valid through 10/15/11  This item may currently be in stock at your local warehouse for immediate purchase at a cash and carry price. Limited Time Offer:
Valid for orders placed September 14, 2011 through October 15, 2011
While supplies last.Online price $1,249.99
**Less -$250.00
YOUR COST $999.99 **The $250 manufacturers discount will automatically be deducted at checkout. State law may require sales tax to be charged on the pre-discounted price if the product is subject to sales tax.



Creativity from any point of view Stimulate your creativity. The NIKON D5100 offers a host of new photographic and video tools that deliver superior performance and exceptional image quality with surprising versatility. With 16.2 megapixels, a swivel Vari-Angle LCD monitor, full HD movie capabilities, new EFFECTS Mode and new HDR setting, you hold the power and performance to capture beautiful moments and the freedom to get creative. Specifications:
Effective Pixels: 16.2 MP 23.6x15.6mm CMOS Sensor
Lens Specifications: 18-55mm & 55-300mm Nikkor AF-S DX VR Lenses
LCD Monitor: 3.0 TFT LCD (921,000 dot)
Motion Video Quality: 1080p Full HD Video at 30fps
Image Stabilization: Vibration Reduction in included lens
ISO Sensitivity: Auto, ISO 100-6400, 12800 (Hi-1), 25600 (Hi-2)
Images Per Battery Charge: Approx. 660 shots based on CIPA standards
Dimensions: W 5.0 x H 3.8 x D 3.1(camera body only)
Weight: Approx. 19.7 oz. (camera body only)
Storage Media: SD / SDHC / SDXC Features:
Vari-angle LCD Monitor Creativity from any point of view Take pictures or record movies from a unique viewpoint, the D5100's 3.0 inch, super sharp, 921,000-dot Vari-angle LCD monitor allows for versatile high quality viewing and playback. Explore every angle, with overhead shots, waist level candids, ground level and fun self portraits; you will never miss a shot. This Vari-angle monitor allows you to be creative from any point of view.
Effects mode More fun and artistic pictures and movies The D5100 incorporates an amazing array of special effects for use when taking still pictures or recording D-Movie Full HD movies. Selective Color isolates any color within the scene; capture details in places too dark for your own eyes using Night Vision; create bright, glowing images filled with atmosphere with High Key; emphasize the mood of a scene using Low Key; Miniature Effect makes a scene look like a miniature scale model; and Color Sketch creates color outlines of the subject that are played back as a series of stills in a slide show.
Tell better stories Full HD 1080p D-Movie with Sound The D5100 delivers exceptionally high-quality movie performance due to its full HD capability while the latest in Full-time autofocus takes the guess work out of tracking your subjects while in motion. Effortless moviemaking is at your fingertip thanks to D5100's ergonomically placed Live View and Movie start button. Your D-Movies will come to life thanks to D5100's sound recording capability get stereo sound with Nikon's optional ME-1 Stereo Microphone.
HDR (High Dynamic Range) Exquisite detail in highlight and shadow In scenes with extreme contrasts, such as bright, sunlit clouds and a foreground deep in shadow, it was once quite difficult to render the textures of both equally. Not any more. D5100 combines two exposures to create an image revealing an extremely wide dynamic range, but with less noise and richer color gradation than ever before.
Stunning image quality Image quality in a class of its own Incorporating the latest Nikon D-SLR technologies such as the 16.2MP DX-format CMOS sensor and EXPEED 2 image processing engine, the D5100 delivers outstanding image quality. Its CMOS sensor offers a remarkably wide ISO range (ISO 100 to 6400) with reduced noise which enables you to shoot at faster shutter speeds and capture scenes and subjects with less blur. Handheld shooting and full HD movies come out looking great even in low light.
Speed and performance that delivers With high-speed continuous shooting at approx. 4 frames per second, you'll never miss a moment and with D5100's large optical viewfinder providing accurate and realistic composition, you'll get a precise view and focus in every situation.
Capture your subjects precisely D5100's 11-point AF system provides flexibility to compose the shot you want ensuring your subject is captured sharply wherever it's located in the frame. Working together with the Scene Recognition System, the camera can keep your main subject in focus even if the composition changes using Nikon's exclusive 3D-tracking.
Brilliance whenever needed Vital for dark or backlit subjects, the D5100's built-in pop-up flash automatically brightens your subject even when shooting outdoors in bright sunlight. Expect natural looking results thanks to intelligent flash control.
NIKKOR lenses expand your vision From wide angle to telephoto, from prime to Micro, the NIKKOR interchangeable lens lineup offers more choices to see and capture still images and D-Movies of the world from your perspective. Whats Included:
Nikon D5100 Digital SLR Body
18-55mm Nikkor AF-S DX VR Lens
55-300mm Nikkor AF-S DX VR Lens
Nikon System Case
4GB Class 10 30MB/s SDHC Card
Nikon School D5100 DVD "Explore New Techniques"
Nikon School "Guide to Digital SLR Photography"
Rechargeable Li-ion Battery
Quick Charger
USB Cable
Audio Video Cable
Camera Strap
Nikon ViewNX 2 CD-ROM
[Model D5100]

Sanyo Eneloop AAA Rechargeable Ni-MH Batteries 4 pack $5.85 s&h B&H Photo
http://www.bhphotovideo.com/bnh/controller/home?O=productlist&sk...
becomes slick deal when you purchase many quantities and take advantage of saver shipping.FOR EXAMPLE: a qty of 5 ships for $3.40 where i live. so AVG cost is $6.53they go for $9 on AmazonThis is a blister pack of four Eneloop AAA Ni-MH Batteries from Sanyo. These batteries are superior to traditional alkaline AAA batteries since they are rechargeable and will retain their charge over a 3-year span. They come pre-charged out of the pack and can be recharged approximately up to 1500x. They are also a cost-effective and environmentally friendly way to use batteries since they can be re-used over and over without having to toss them away.Excellent all-purpose battery for general use
Holds its capacity 75% after three years sd

Linky PooList Price: $290.00
Instant Savings: - $190.01
Price: $99.99
Use $20 off coupon code: OTY45772
Total = $79.99Cisco WRVS4400N Wireless N VPN Router
Have A Question? Chat live with a Cisco Product Expert! The growth in mission critical, high bandwidth applications, such as storage and voice in the work place, has made network performance and security essential. With the introduction of 802.11n, wireless technology is no longer lagging behind wired performance. The Cisco Business Series WRVS4400N wireless router answers the growing business' need for access, speed and security.The WRVS4400N implements draft 802.11n (Wireless-N) technology with a Virtual Private Network (VPN) Router that features a built-in 4-port full-duplex 10/100/1000 Gigabit Ethernet switch. By overlaying the signals of multiple radios, Wireless-N's "Multiple In, Multiple Out" (MIMO) technology multiplies the effective data rate resulting in greater throughput and coverage over 802.11g. Unlike ordinary wireless networking technologies that are confused by signal reflections, MIMO actually uses these reflections to increase the range and reduce "dead spots" in the wireless coverage area. At the same time, Wireless-N is backwards compatible with Wireless-B and -G devices.The WRVS4400N has incorporated advanced firewall and intrusion prevention (IPS) features to secure your network from external threats, including worms, DDoS attacks, and viruses. The VPN tunnels gives your mobile workers a secure and easy to use way to stay connected. In addition, the VPN "gateway to gateway" IPSec tunnels facilitates branch office connectivity through encrypted virtual links. The integrated QoS features provide consistent voice and video performance on both the wired and wireless networks, enabling the deployment of business quality VoIP and video applications.The Cisco Small Business Series is the affordable, reliable, high quality networking solution that helps you do business smarter. Our systems ensure maximum application availability enabling you to meet corporate governance and business continuance requirements. Secure and easy to install and maintain, its built to grow with your business.

http://www.marketwatch.com/story/penfed-eliminates-foreign-trans...LEXANDRIA, VA, Oct 04, 2011 (MARKETWIRE via COMTEX) -- In another move designed to return maximum value to its members, PenFed announced today that it has eliminated the Foreign Transaction Fee from the remainder of its credit card programs currently available in its card portfolio.Now all PenFed cardholders traveling overseas with a PenFed credit card can be certain that they will not be paying a foreign transaction fee; no matter which PenFed card they carry."Staying true to PenFed's core principles to bring products to our membership that have everyday value is a key element to the successful growth of the credit union," says Deborah Ames-Naylor, Executive Vice President, Credit and Collections, PenFed. "Eliminating the Foreign Transaction Fee on all of the credit cards in our portfolio is just our way of creating a unique and competitive line of cards that come packed with practical benefits that our members can actually utilize."PenFed's two most popular "Best in Class" cards, The PenFed Premium Travel Rewards American(R) Express Card and the PenFed Promise Card have both been void of the Foreign Transaction Fee all along. However, the fee has now been eliminated from PenFed's Platinum Cash Rewards Card, Visa Gold and Visa Classic and MasterCard programs, which is a competitive distinction in the card industry.The Foreign Transaction Fee elimination on the remaining Penfed credit card programs is effective immediately. The new terms will apply to both new cardholders and existing PenFed cardholders.For more information about PenFed's credit card portfolio and to apply for a credit card and membership, visit www.PenFed.org or call 800-247-5626.About Pentagon Federal Credit UnionPentagon Federal Credit Union is the third largest credit union in the United States with over a million members, and more than $15 billion in assets. The credit union provides worldwide service to Army, Marine Corps, Navy, Air Force, Coast Guard, Department of Defense, and Department of Homeland Security personnel, members of the VFW, employees or volunteers of the American Red Cross, and others in the defense community and their families.

OfficeMax.com 100% back in MaxPerks rewards on select writing supplies and Avery Business Builder Labels 10/02-10/08 LINK.
Online Only.
Sharpie Accent Pink Ribbon Pocket Style Highlighters, 2-pack (item# 21604140) limit 4, $1.99 LINKSharpie Pink Ribbon Grip Pen, 3-pack (item# 23101420) limit 4, $6.99LINK
--- price for me is $9.99. Rewards payout will equal amount paid (less coupons, etc.)EXPO Pink Ribbon Low Odor Dry Erase Markers, 2-pack (item# 21601777) limit 4, $2.99 LINKuni-ball Pink Ribbon 207 Retractable Medium Point Gel Pens, black, 2-pack (item# 21654201) limit 4, $3.99 LINKPaper Mate Write for Hope Pink Ribbon Retractable Ballpoint Pens (item# 21230856) limit 4, $13.99 LINKAvery Business Builder Labels (items# 22980160, 22980179, 22980188, 22980197, 22980204, 23099594) limit 2 Bonus Rewards per item LINK
--- Avery Print-to-the-Edge Labels, Round, Glossy White, 2" Diameter, 120 Labels Per Pack (Item #: 22980160) $16.99 LINK
--- Avery Print-to-the-Edge Labels, Oval, Glossy White, 1-1/2"x2-1/2", 180 Labels Per Pack (Item #: 22980179) $16.99 LINK
--- Avery Arched Textured Labels, White, 3"x2-1/4", 90 Labels Per Pack, Laser (Item #: 22980188) $16.99 LINK
--- Avery Square Labels with TrueBlock Technology, 2"x2", White, 300 Labels Per Pack (Item #: 22980197) $12.99 LINK
--- Avery Print-to-the-Edge Labels, Round, Kraft Brown, 2-1/2" Diameter, 225 Labels Per Pack (Item #: 22980204) $12.99 LINK
--- Avery Square Labels with TrueBlock Technology, 1-1/2"x1-1/2", White, 600 Labels Per Pack (#23099594) $13.99 LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.Note 05: 100% back in rewards offers combine with "buy x, get y free" offers -- no matter what the email confirmation suggests. That said, if there is more than one item involved in the "buy x, get y free" offer and there is a price difference between the the items, it might be best to order each linked "buy x, get y free" offer item in a different order. If ordering together in one order, remember that the "free" items will be the least expensive items so in the case of the two Expo products above, the maxed single order would be 3 starter sets at $8.99 and 6 wipes at $6.99. This would result in 3 paid 100% back in rewards starter sets, 3 paid 100% back in rewards wipes and 3 free wipes from the B2G1F offer. If the order was 4 starter sets and 5 wipes, the combined products B2G1F offer would force 4 paid starter sets (of which only 3 would qualify for the 100% back in rewards offer), 2 paid wipes (both would qualify for the 100% back in rewards offer), and 3 free wipes from the B2G1F offer.
-----------------------------------------------TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from October 2, 2011 thru October 8, 2011. $20 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $40 Bonus Reward per member. 100% Bonus Reward on Sharpie Accent Pink Ribbon Pocket Style Highlighters, 2-pack (item# 21604140) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on Sharpie Pink Ribbon Grip Pen, 3-pack (item# 23101420) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on EXPO Pink Ribbon Low Odor Dry Erase Markers, 2-pack (item# 21601777) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on uni-ball Pink Ribbon 207 Retractable Medium Point Gel Pens, black, 2-pack (item# 21654201) available online only, limit 4 Bonus Rewards per member. 100% Bonus Reward on Paper Mate Write for Hope Pink Ribbon Retractable Ballpoint Pens (item# 21230856) available online only, limit 4 Bonus Rewards per member. $50 Bonus Reward on select bags from The Caring Collection, available online only, limit 2 per item, maximum $100 Bonus Reward per member, per item; Mobile Edge will donate 10% of the retail selling price of each case directly to Susan G. Komen for the Cure. $150 Bonus Reward on a Sentry Safe Fire Safe (item# 21005181) available online only, limit 2, maximum $300 Bonus Rewards per member. 100% Bonus Reward on Avery Business Builder Labels (items# 22980160, 22980179, 22980188, 22980197, 22980204, 23099594) available online only, limit 2 Bonus Rewards per item, per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 10/08/2011 unless otherwise indicated.*Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, gift cards, general-use prepaid cards, phone cards, Sprint service plans, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Texthttp://www.costco.comDynamic 3-person Carbon Tech FAR Infrared Sauna
8 Dynamic Carbon Energy Efficient Heating Panels and Interior/Exterior LED control panel
Item # 584888

$1,499.99 Shipping & Handling includedLimited Time Offer:
$400 discount is reflected in the price. Valid for orders placed September 12, 2011 through October 9, 2011.
While supplies last.Online price $1,899.99
Less -$400.00
YOUR COST $1,499.99 Dynamic Saunas bring healthy living and longevity to the privacy of your home cost effectively. Modern technology and energy efficiency in FAR infrared carbon heating panels allow beneficial penetrating FAR infrared waves to remove body toxins, increase blood circulation, ease pain from sore muscles or aching joints, burn calories and improve skin tone among other benefits.Dynamic Saunas are constructed with the environment in mind which accounts for our efforts in using Reforested Canadian Hemlock Wood. Our sauna walls are double paneled constructed with the thickest interior and exterior wood planks. This all translates to a quality sauna that retains heat more efficiently, heats up faster and wastes less energy.Our FAR infrared Carbon Energy Efficient heating panels are 30% larger than saunas heated by ceramic tubes and penetrate skin 40% more to maximize therapeutic benefits. Dynamic Saunas Carbon Energy Efficient panels also heat up 30% faster than saunas equipped with ceramic panels and 100% faster than rock and water steam saunas. Dynamic Saunas 3 person sauna is designed for ease of use and is an outstanding value. Enjoy the convenience of operating a Dynamic Sauna with our dual soft-touch control panel, LED display featuring sauna temperature and time functions, and MP3 auxiliary connection with speakers. Dynamic Saunas may be installed on carpet and at any indoor location including the basement, garage, master bath or walk-in closet. Specifications:Capacity: 3 Person
Total Height: 76.8"
Dimensions: 63.5 Wide x 49.4 " Deep x 76.8" Tall
Shipping Dimensions: 66 x 35 x 76
Sauna Weight: 440 lbs
Shipping Weight: 540 lbs
Heater: 8 Dynamic Carbon Energy Efficient Heating Panels
Wood: Natural Reforested Canadian Hemlock wood construction
10mm Exterior and 6 mm interior wood planks with a 1.13 inch inner frame
Lighting: Interior reading light, Exterior accent lighting, Roof vent
Door: Tempered glass door
Electrical Service: 110V/20amp dedicated receptacle (Please consult a certified electrician.)
Temperature: Operates at 140oF
Features:Electrical Components: Interior & exterior LED control panel
Music Capability System; MP3 auxiliary connection with 2 dynamic speakers and pre amp (no radio included)
Clasp together assembly; Assembles in 30 to 45 minutes
Warranty: 1 year limited warrantyFor more information about this product, email the Golden Designs Inc. Customer Service Center at info@dynamicsaunas.com or visit our website at GoldenDesignsInc.COM

Hello,I really feel this is a Finance issue since CRA topics have been kept here. I need some help on a situation and what I can do about it (if any).Situation:
-Made an online purchase, transaction was denied online saying problem with payment. Checked with card company, transactions are approved and are showing in pending area. No issue there.
-Thought maybe a problem with their credit card gateway. Found a number for a department that does order reviews at merchant. They took awhile, but then admitted that while the card auth was fine, they used another third-party database with demographics (maybe name/address/email/other stuff?) and that database said that the purchaser had a high fraud probability. This might be considered similar to a database of return purchases overuse in retail stores as known.
-Made the purchase using a different email address/new account effectively (but all other info the same), order went through fine. Merchant using database is AdvanceAutoParts.com (was my first time getting such an experience using this specific email address).I am pretty confident that it was a particular email address that triggered it that I used during the rejected times, but it was likely used by someone out there who thought it was a good 'fake' email address and did bad things with the merchant who reported it. Not an issue of normal identity theft in this case. If it helps, this particular email address is also banned from PayPal and Facebook (not through any actions of my own), but these actions I have found are not reversible with PayPal nor Facebook (they do not care). They also do not allow anyway to entirely 'delete' false accounts. It is because these sites do not (or did not in the past) verify email addresses used for accounts created and allowed these accounts to continue to be used without any good confirmation of the email address used. Many sites still do this unauthenticated email account stuff, but it is a very bad practice.Here are the questions:-Anyone out there know who is running this particular database (merchant would not disclose and said beside the fact you would have to identify which merchant is reporting the negative and get them to remove it anyway)? Companies that have created this sort of collaborative should not be hard to find. It is going to be hard for me to remove the falsely framed email address (if even possible).Obviously, recommended tips would be to use a different email address (using the varient features available from many email providers). Point noted.However, the CRA aspect was interesting. Not surprising, but I wish it was more transparent (translated: could dispute the issue). This is no different than what happens in real life with credit reports/insurance reports/etc.I could not find another thread about online flagging in this type of situation, and maybe the fact I still have an active account on an email address that someone might think is a 'fake' is not that often, but interesting nonetheless.Thanks,
Rasheed

Heads up for those of you who have the originally Chase or now Capital One Sony Card. Got this in my mail today.Sony is devaluing those Sony Points if you use them for a statement credit. Used to be $1 = 100 points, but now is $1 = 115 points, so a 15% loss of value. Should spend them if you have them now.Dear Sony Rewards Member:

Effective October 8, 2011, the rate of points required when requesting a statement credit for a Sony product purchased on your Sony CardSMor PlayStation Card is changing. We will now credit your Sony Card or PlayStation Card account at a rate of $1 for every 115 reward points deducted from your Sony Rewards account.

Want to avoid filling out Purchase Credit forms and mailing receipts? Just use your points to shop at SonyRewards.com!

Save 10% on electronics, music & movie rewards every day in the Sony Rewards online Catalog
Get Free Shipping on virtually anything
Purchase any additional points for a penny each to get the item you want now

Bring Sony entertainment to your home with better pricing and less hassle by shopping through Sony Rewards online catalog!

Better, bigger changes to the Sony Rewards program are coming! Check back in October for the changes that will make your Sony experience even better.

Warm Regards,
The Sony Rewards Team

This is actually for my father. Early this month he started a business and was setting up insurance to be effective Oct 1st. Last week, my father felt very weak and light headed, and we called an ambulance to transport him to the hospital. Found out his red blood count was low and his stool was dark, was advised to stay over night but decided against since he felt better and we didn't have coverage yet. I talked to my brother and sister who thinks it maybe a bleeding ulcer. The next day we signed the insurance papers and now coverage will start on Oct 1st still. I googled and it seems that most insurances will not cover a pre-exisiting condition for usually 6-12 months, but will cover other issues. My dad is in late 50s and I want him to get a colonoscopy and any other tests to rule out any life threatening conditions and those costs add up. The thing i'm concerned about is if we report to the HMO, they'll deny coverage for X months and my dad will be hesitant to checked up worrying about out of pocket costs. But if we don't report, and we get all the tests done, will the HMO be able to find out about the ER visit made last week? If so, they'll deny payment and itll come out of pocket.Either way, I'm not too familiar with health insurance and in the end whatever happens we will pay, but for those with more knowledge and/or experience, it'd ease our minds to know how this situation might turn out. Thanks

HP Touchpads went back on sale at 9am PST--both the 16GB and 32GB are available. They are ONLY available if you have a true HP EPP account (ie you are or were an HP employee). Limit 1, and no discounts/free shipping apply. Sorry, I didn't dare post this until my order was processed Ultra-Super Clarification: This is only for Current and former HP Employees. You need an EPP account with prices that have a blue "HP EPP" tag beside them, or you won't even see the touchpads. Most people have accounts with yellow tags that only say "EPP", which are just affiliate accounts and not HP Employee accounts.
Edit: Seems like the SAVE15HP code will work, so it effectively negates the shipping. Too late for me, though.

Not as hot as today's deal at 80% off but this is effectively 70% off (with the 5$ eBay bucks bonus) and should last beyond today. This offer is for a gift card which can be used to purchase a gift cert(s) to any restaurant. Check your eBay bucks offers.

Chase $125 Bonus expires 10/07/2011Saw this this $125 Bonus til Oct. 7th, 2011. You could also get the $150 Chase coupon from HMB til 10/31/2011. Bonus/Account Information Offer not available to existing Chase checking customers, fiduciary accounts and those who have closed an account within 90 days. Offer valid through 10/7/11. To receive the bonus: 1) open a new qualifying Chase checking account, which is subject to approval; 2) deposit $100 or more within 60 days of account opening; AND 3) have your direct deposit made to this account within 60 days of account opening. Your opening deposit cannot be money held by Chase or its affiliates, nor can the bonus be used as the opening deposit. Your direct deposit needs to be an electronic deposit from your employer or the government of your paycheck, pension or government benefits (such as Social Security). After we receive your first direct deposit, we'll deposit the bonus in your new account within 10 business days. If you open one of our interest-bearing checking accounts, the Annual Percentage Yield (APY) effective as of 8/12/11, is 0.01% for all balances in all states. Interest rates are variable and may change. Fees may reduce earnings on the account. You can only receive one checking account-related bonus per calendar year. If your checking account is closed within six months, we will deduct the bonus amount at closing. Also, if your account is closed within 90 days, an Account Closing Fee of $25 will apply.


$150 Bonus til 10/31/2011 thanks to Nummerkins

*QUALIFYING ACCOUNTS/MONTHLY SERVICE FEE - Offer available on personal Chase checking accounts excluding High School, College, Access, Customized, and Online Checking accounts. Chase checking accounts eligible for this offer have monthly Service Fees that start at $10-15. Monthly Service Fees vary by market and, except for Chase Essential Checking, there are ways to avoid these fees. For pricing and other details, please see a banker or visit Chase.com/checking. The terms of the accounts, including any fees or features, may change.
Bonus/Account Information - Offer not available to existing Chase checking customers, those with fiduciary accounts, and those who have closed an account within 90 days. To qualify for the bonus you must open a new qualifying Chase checking account with a $100 minimum opening deposit of new money (money not currently held by Chase or its affiliates). Also, within 60 days of account opening, we must receive from your employer or the government a monthly electronic direct deposit of your payroll, pension or government benefits, such as Social Security. The bonus will be deposited into your new account within 10 business days after your initial direct deposit is posted to your account. For interest-bearing checking accounts, the Annual Percentage Yield (APY) is effective as of 8/15/11. The APY is 0.01% for all balances in all states. Interest rates are variable and subject to change. Fees may reduce earnings on the account. Limit one checking account-related bonus per customer, per calendar year. Offer not available on account conversions or in combination with any other offer. Bonus is not considered part of the minimum opening balance. Checking account must remain open for a minimum of six months or the bonus amount will be debited from the account at closing. In addition, the checking account must remain open for 90 days or an Account Closing Fee of $25 will apply. Account is subject to approval. Bonus is considered interest and will be reported on IRS Form 1099-INT. More methods of getting $125 Chase Coupon taken from HMB:Chase $125 Checking Account Bank Bonus Coupon til 9/30/2011 Nationwide via eB@y, USPS, ATMChase $125 bank bonus is not available online, but there are a few tricks in order to get this nationwide bonus.Option 1) Visit your local U.S Postal Office and ask for a Movers Guide Package. Inside the package, there is a Chase $125 coupon good until 9/30/2011.Option 2) Many people on eB@y are selling the $125 Chase bonus coupon for $1 Or $2. Its well worth it if you dont want to go to the Postal Office.Option 3) Use one of your debit cards from non-Chase bank and withdraw money from a Chases Brick and Mortar bank(Great if your bank refunds your ATM fee). Once you withdraw your cash, Chase will print a bonus coupon in order to entice you to switch bank. Chase $5 Paperless Statement Bonus$5 Paperless Statement Bonus good until ?. Chase.com/gopaperless
Important for all Chase Account Holders:The account now has requirements of either1) DD of $500 or more
2) $1500 in checking
3) $5000 combined between checking, savings, investmentsMore bank bonuses nationwide.

(Did a search on Citi and didnt find anything.)https://offer.citibank.com/cbol/11/checking/q3/consumer/pdf/Upco...Changes Effective 12/9/11 statement:- The Citibank Account min raised from $6k to $15k to avoid fees
- Basic Banking: $1500 min or (Direct Deposit and at least 1 bill payment) to avoid fees
- EZ Checking: $6k minimum to avoid feesLooks like i'm changing from The Citibank Account to Basic Banking.
And i'm probably going to do the change at B&M instead of talking to a (useless) CSR from India.
Also on 12/9/11 are changes to the ThankYou points program.
Thread about it: http://www.fullofdeals.com/forums/finance/1123402/From the new Thankyou point schedule, i'm going from 800/month Thankyou points under the old Citibank Account down to 600/month with the new Basic Banking.
edit:
Yike! Until the 12/9/11 changes, the ways to avoid fees for Basic Banking is doing 5 of the 7:
Direct Deposits
Any Debit Card Purchase
Bill Payments
Auto Deductions
ACH Payments
Checks Paid
Cash Withdrawals at any ATMso it looks like i'm not going to switch till after the changes take effect on 12/9/11 (and before 1/9/12 when the fees get accessed).

Linky.Get 25,000 bonus ThankYou Points after you make $5,000 in purchases within the first 6 months. Earn an additional 25,000 bonus points after you spend $5,000 in purchases within the next 6 months. That's a total of 50,000 bonus points in the first 12 months good for $500 in gift cards! No Annual Fee.Effectively $10k in a year gives you back 50000 points.

I learned today that the VA funding fee is going to be reduced by 0.75% across the board for first time users effective 1 October 2011.Second and subsequent users have reductions that are a bit more complicated, but they are also reduced effective 1 October 2011, but then change yearly after for a couple of years as well.http://www.benefits.va.gov/HOMELOANS/circulars/26_11_12.pdfI was originally set to close on my home September 30th. Pushing it back one day will save me a pretty substantial chunk of change. For anyone who is in the market, I am financing a 30 yr loan through Navy Federal at 3.75% with 0.375 discount points and 1% origination, but have $2500 back toward closing costs. The VA funding fee can be rolled up into the loan, so if it's your first home and you buy modestly you can probably get away with next to nothing out of pocket.None of this is to say that it's a smart time to be purchasing a home, but if you do you might as well be informed.

I have several different credit cards that I need to pay off. Some of them have various balances with different APRs. For example, I have X amount of purchases subject to 15% APR, X amount of purchaes subject to 20% APR, etc... I understand that, if the balances for each card were under a uniform APR, the fastest way to pay off all the cards would be to pay the highest possible amount towards the card with the highest APR and minimum payments on the others. However, I assume that, when I make payments to a card with multiple APRs, the payments are going towards the lower APR debt first. Therefore, if I am paying money towards credit cards with some portion of debt at high APR, I may actually be paying off lower interest debt, which is going to cost me more in interest in the long run. Is there any sort of online calculator that I can use that will take this into account?

Kevlar Bulletproof Vest - $269.95 + $6.99 shipping @ Amazonhttp://www.amazon.com/gp/offer-listing/B004VTXLPWProduct Features
Point Blank Outershell- Summerwear
Kevlar Stab Proof - Water Resistant Treated
5 x 8 - 40 Layer Kevlar TRAUMA Insert by Point Blank
Economical/Affordable/Effective/
Black/Concealable/Lightweight Product Description
Point Blank Black Concealable Carrier Kevlar Soft Body Armor Inserts 5 x 8 Front SAPI Pocket Armor Insert Water Resistant Pre-Treated Kevlar. Economical way to have great protection at a reasonable price. Good For first time vest buyers. Thanks MickJ / Mark

5' Micro HDMI to HDMI Cable For HTC EVO 4G, Motorola Droid X, or Motorola Droid Bionic.Use "motohhi20" code for 20% off and CashBack for 4%.$3.86 - 20% = $3.08.$2 HHI credit, making the cost effectively less than $1. Planning on getting a case with that. They have other lengths as well, but 5' and 6' seem to be the better price points.Seems like a better deal than Amazon or Meritline. Just hope the cable works.

I am going to Canada for a week and I want to maximize the return on my spending. I have Chase Sapphire Prefered from the recent FW deal, so I can avoid the foreign transaction fee and get 2% on dining.
I also have a 10% CashBack on dining 3-month promo Citi Forward credit card, so if I use it for restaurants, will I come out ahead? (pay 3% FTF, get 10% => effectively 7% back vs. Sapphire with 0% FTF and 2% CashBack on dining => 2% back). Am I missing something here? Do American credit cards pay CashBack on foreign transactions? Is the merchant coding the same in Canada as it is in the States? I am afraid with Citi I will not know how the transactions are classified and whether they wil qualify for CashBack after I am back in the States, but I am sure they will want 3% FTF whether or not I get my CashBack.

Okay, so Buffett claims that the wealthy pay a lower effective tax rate than the rest of us because the dividend and capital gains rates are lower than (some) wage rates. But this AP article refutes this claim. Who is correct?

LinkyUnderwater Capabilities
Configuration Land camera in housing
Depth Rating 130' (40m)

Image Quality
Image Sensor 9.0 MP CMOS sensor
Effective Resolution 9.0 million pixels
Color Depth 24-bit RGB
Image File Formats JPEG
Video Mode AVI
Audio Annotation No

Optics
Lens Zoom lens
Optical Zoom None
Focal Length 7.1mm (equiv. 42mm on a 35mm camera)
Digital Zoom 4X
Minimum Focus Distance Normal: 3.77' (1.15m)
Macro: 1.97' (0.6m)
Maximum Aperture f/3.2
Filter Size N/A

Focus Control
Focus Type Fixed focus
Focusing Range Normal: 3.77' (1.15m) to infinity
Macro: 1.97' (0.6m) to infinity
Exposure Control
Sensitivity ISO 50, 100, 200 and auto
Exposure Modes Auto, manual exposure compensation -2.0EV to +2.0EV
Aperture f/3.2
Shutter < 3 sec.
White Balance Auto, daylight, cloudy, and fluorescent

Flash
Built-in Flash Auto, force, off and red-eye reduction
Effective Flash Distance Land: 5'
UW: 2.5'
External Flash Sync No (slave only)

Display
LCD Display 2.36" color LCD
Viewfinder None
Memory & Power
Internal Memory 16MB
Memory Card SD card up to 2GB, SDHC up to 8GB
Images with Included Memory 5 Hi-res JPEG
Power Source 2 AAA batteries
General
Self Timer 2 or 10 sec.
Burst Mode Not Specified by Manufacturer
Date & Time Stamp Not Specified by Manufacturer
Input/Output
Interface USB 2.0
Video Out Not Specified by Manufacturer
System Requirements PC: Windows 2000, XP, Vista
MAC: OS 9.0 and up
Physical
Color Black camera, clear housing
Dimensions (WxHxD) 3.58 x 2.22 x 0.97" (91 x 56.5 x 24.55mm)
Weight 3.03 oz (86g)

I received an email from Travelzoo for a friends & family discount promotion. Below you'll find two 10% discount codes for certain local deals on Travelzoo. The codes expire on September 17 but if you can use them, they are yours. Please post if you use a code to minimize frustrations for others.They said to share these with friends and family. Well, FatWallet, you often feel like friends and family to me. Enjoy if you can....EMAIL (edited):With Labor Day behind us, we are getting ready for some of the most outstanding deals of the year at restaurants, spas, and hotels across the country.As a Travelzoo VIP, gift these discount codes of 10% OFF to your best friends and family, or colleagues.Enjoy your additional savings and thanks for being a Travelzoo VIP!The Travelzoo TeamHow your special Travelzoo VIP discount works:
Gift the following one-time 10% discount codes to friends and family:
FRIENDS_FAM_0906X6RP4-91BC5
FRIENDS_FAM_090672M1O-54X81
Visit www.travelzoo.com/local-deals to see deals nationwide.
When purchasing a Local Deal, click on 'Do you have a discount code?' enter the discount code and hit redeem. You will see the price drop immediately.
Codes are one-time, and each person can only use one code.
All discount codes are valid only on purchases made between now and September 17, 2011.
New purchases only. Cannot be applied to past purchases.
Discount code is valid only for one purchase and is not transferable.
Not valid on deals that are marked as "Direct Purchase".
--------------------------About Travelzoo Local Deals:
Travelzoo sends Local Deals email alerts several times a week, after negotiating with trusted merchants in your area. Many deals require a minimum number of people to purchase for the deal to become effective. Once the minimum number of people purchase the Local Deal, buyers receive a voucher to redeem for significant values at local businesses.

http://www.newegg.com/Product/Product.aspx?Item=N82E16814134119ECS NGTS450-1GPI-F GeForce GTS 450 (Fermi) 1GB 128-bit GDDR5 PCI Express 2.0 x16 HDCP Ready SLI Support Video Card
ECS NGTS450-1GPI-F GeForce GTS 450 (Fermi) 1GB 128-bit GDDR5 PCI Express 2.0 x16 HDCP Ready SLI Support Video Card

GeForce GTS 450 (Fermi) ... 1GB GDDR5 PCI Express 2.0 x16 Chipset Manufacturer: NVIDIA
Core Clock: 783MHz
Stream Processors: 192 Processor Cores
Effective Memory Clock: 3600MHz
Model #: NGTS450-1GPI-F
Item #: N82E16814134119
Return Policy: VGA Standard Return Policy
Was: $119.99
Now: $104.99 $84.99 with Rebate
$6.98 Shipping

ONLINE ONLY FLASH SALE
9/14 (10pm - Midnight EDT)
Men's, Women's & Kids' Puma Footwear*
Up to 60% off
Link
Men's Nike Basketball*
Up to 50% off
Link
Men's Nike & Jordan Shorts*
Up to 50% off
Link
Women's Nike & UA Shorts*
Up to 50% off
Link
*Select styles off of original price. Marked price reflects discount.
Prices effective from 10pm to Midnight EDT on September 14, 2011.
Prices will revert to original pricing after flash sale.

Looks like Citibank is changing its minimum balance requirements. Details are here.The Citibank account used to have a $6000 min balance requirement. It is now becoming $15000. Remember that this is based on combined average balance of all services tied to Citibank account. For credit cards, it is the outstanding balance that counts. For example, I have a lifetime 0% BT on a CC attached to my Citibank account. That would help me stay above the $15k requirement for a while.Excerpts from the document:The Citibank Account Package
Effective with statements ending on and after December 9, 2011, the minimum combined average monthly balance
in qualifying linked accounts for the calendar month that ends prior to the last Business Day of your monthly
statement period will increase to $15,000 in order to avoid incurring a monthly service fee and non-Citibank
ATM fees (if applicable) during that statement period.This means, for example, if your statement period ends in December on or after December 9, 2011, you will be
charged a monthly service fee and non-Citibank ATM fees (if applicable) for that statement period unless your
combined average monthly balance during the calendar month of November equals or exceeds $15,000.Basic Banking Package
Effective with statements ending on and after December 9, 2011, we will waive the monthly service fee for Basic
Checking only if the following conditions are met:1. If the combined average monthly balance in qualifying linked deposit accounts1 is $1,500 or more for the
calendar month that ends prior to the last Business Day of your monthly statement period, or
2. If you complete Qualifying Transactions during the statement period.Please note that the list of Qualifying Transactions that must be completed during the statement period to waive
the monthly service fee will also be changed. To receive a monthly service fee waiver based upon completing
qualifying transactions, you must complete the following Qualifying Transactions during the statement period:One Direct Deposit to Basic Checking or to a linked
Day-to-Day Savings in a Basic Banking Package;
AND
One Qualifying Bill Payment2 from Basic Checking.If you do not maintain this account balance or complete the Qualifying Transactions, your account will be charged
the increased monthly service fee of $10.00.This means, for example, if your statement period ends in December on or after December 9, 2011, you will be
charged a $10.00 monthly service fee for that statement period unless your combined average monthly balance
during the calendar month of November equals or exceeds $1,500 or you complete Qualifying Transactions
during the statement period.The fees for standalone Basic Savings will remain unchanged.

I'm applying for more life insurance and asked my broker about a pre-payment option with the insurance company (MassMutual). He told me that they didn't offer it but also mentioned the following:broker said:
Mass does not offer a pre-payment benefit option short of funding a fixed annuity and setting up an auto transfer. Based on your age and investment time horizon this strategy does not make much sense to me.

An alternate leverage strategy that many of my clients utilize is creating a blended life portfolio (perm and term) utilizing an extremely lean 10Pay contract. This strategy provides full cost recovery of all funds utilized with the supplementary benefit of a very effective tax shelter. Often well implement this leverage technique for clients that are unable to fund a Roth IRA due to income limitations. In your case the IRR tops out at approximately 5% tax free which is attractive.
Can someone decifer this statement for me? I generally try to avoid permanent life insurance but I know there are some cases where the taxes make sense. My wife and I sit on the cusp of the 33% tax bracket and are above the Roth IRA income limitation but are contributing through conversion. What does IRR stand for? Is this a good strategy and if so why?

http://sellout.woot.com/Warranty: 5 Year Rug DoctorCondition: RefurbishedFeatures:The power of a professional-grade Rug Doctor Carpet Cleaner at your fingertipswhenever you need it

These are NOT rental machines that have been reconditioned. These are NEW Rug Doctor machines that have been returned by the customer as part of their 30-day money-back program. Each machine is thoroughly inspected and guaranteed to work perfectly. Plus, every refurbished Rug Doctor machine includes a full 5-year warranty, so buy with confidence
Powerful 1-pass cleaning: Where other machines take 4 or more passes, the Rug Doctor takes just one pass and still cleans more effectively
Large Capacity: More than twice the capacity of many machines with a 2.6 gallon solution tank and 3.1 gallon recovery, which means less refilling and emptying
Durable Construction: Manufactured with heavy-gauge, impact-resistant, virtually indestructible material

Subject Upcoming Change to Your Complete Advantage Checking Account
Received September 13, 2011
From Checking
Contact UsUpcoming change to your Complete Advantage Checking account
The August statement for your Complete Advantage Checking account included a message about changes to your account. For your convenience, we've summarized the changes below.
What's changing
Effective November 14, 2011, the options to waive your Complete Advantage Checking account monthly service fee will change.
You can waive the $15 monthly service fee when you have three additional linked qualifying accounts/services and one of the following: Maintain $7,500 or more in combined balances in deposit or qualifying credit accounts, OR
Maintain a linked Wells Fargo Home MortgageIf you do not meet one of the above monthly service fee waiver options, this fee can be discounted by $2 per month when you set up and receive online statements for this account.
What you may need to do
Automatic transfers are no longer available to waive the monthly service fee. Please review the new monthly service fee waivers carefully as it may be necessary for you to take action to ensure your account is not assessed a monthly service fee.
What isn't changing Your qualifying automatic transfer will continue to waive the monthly service fee on select savings accounts.
Your account number will remain the same.
Your automatic payments, transfers, scheduled online bill payments, and direct deposits will continue uninterrupted.
Your account will continue to be FDIC-insured up to the applicable limits.You will continue receiving the same benefits and services including: Bonus interest rate on a linked Wells Fargo Money Market Savings SM account1
More than 6,300 Wells Fargo locations and 12,000 ATMs
Free access to Wells Fargo Online Banking with Bill Pay
Telephone customer service available 24 hours a day, 7 days a weekIf you have questions, or would like to receive a free financial review to see if you have the right accounts and services to meet your financial goals, please contact your local banker or call us at 1-800-TO-WELLS (1-800-869-3557), 24 hours a day, 7 days a week.
Thank you. We appreciate your business.
Sincerely,Wells Fargo Consumer Deposits Group
1. Bonus interest on the Wells Fargo Money Market Savings account will discontinue when the account is delinked from the Complete Advantage Checking Package.Wells Fargo Bank, N.A. Member FDIC.

All,I have the chase freedom card and currently it is at 5% for gas stations. Are there ways I can spend up to 1500$ effectively at gas stations, besides gas? I was thinking Of buying gas cards but gas stations don't seem to sell them. Any suggestions?

TextXerox High-Speed Copy Paper, 8 1/2" x 11", 20 Lb, 92 Brightness, Ream Of 500 Sheets, Case Of 10 ReamsItem # 275474 Designed for quick copying with 99.9% jam-free performance for worry-free resultsDesigned to minimize processing interruptions.
Smooth 92-bright surface delivers optimum toner adherence.
Acid-free paper won't yellow or fade over time.Original Price: $49.99
/ carton couponcode=895999415Coupon Savings $17.00  Your Price: $32.99  
after coupon savingsLimit two per customer at coupon savings pricePrices effective through 09/17/2011

OfficeMax.com 100% back in rewards on a bunch of stuff price $5 or less starting 09/11/2011
100% back in MaxPerks Bonus Rewards on these items each $5 or less. LINK. Log into your rewards account to view the ad until the OfficeMax.com page updates.
PaperMate Sharpwriter Mechanical Pencils, yellow, 12/pk (item# 10010490) $4.99, online only, limit 6, maximum $29.94 Bonus Reward. linkSharpie Fine Point Permanent Markers, assorted or black (item# 10017242, 10014398) $4.79, online only, limit 6 per item, maximum $28.74 Bonus Reward per member per item. linkPaperMate White Pearl Erasers (item# 21089313) $2.99, online only, limit 6, maximum $17.94 Bonus Reward. linkSharpie Accent Pocket-Style Highlighters, assorted, 4/pk (item# 20630649) $3.49, online only, limit 6, maximum $20.94 Bonus Reward. linkPaperMate G-Force Retractable Ballpoint Pens, black, 2/pk (item# 20431070) $4.29, limit 6, maximum $25.74 Bonus Reward. linkEXPO Low Odor Dry Erase Pen-Style Markers, assorted, 4/pk (item# 21011405) $4.59, limit 6, maximum $27.54 Bonus Reward. linkLiquid Paper 2-in-1 Correction Combo (item# 20858396) $4.99, limit 6, maximum $29.94 Bonus Reward. linkPost-it Notes Neon Colors (item# 20216008) $4.99, online only, limit 6, maximum $29.94 Bonus Reward. link
--- Buy 3 Select 3M Products and Get a Reusable Apple Tote Free! (Offer Valid 09/04-09/17 Midnight CDT)EXPO Whiteboard Eraser (item# 10018241) $3.29, limit 6, maximum $19.74 Bonus Reward. linkSanford UNI Paint PX-20 Markers (item# 20108526, 20108544, 20108553, 20108535, 20108562) $3.29, online only, limit 6 per item, maximum $17.94 Bonus Reward per item. link3M Command Medium Picture hanging Strips, 3-lbs (item# 21941945) 5.00, limit 6, maximum $30.00 Bonus Reward. link
--- Buy 3 Select 3M Products and Get a Reusable Apple Tote Free! (Offer Valid 09/04-09/17 Midnight CDT)EXPO Whiteboard Cleaner (item# 10011603) $3.49, limit 6, maximum $20.94 Bonus Reward. linkSharpie Magnum Permanent Markers, black (item# 20108198) $3.49, online only, limit 6, maximum $20.94 Bonus Rewards. linkScotch Adhesive Roller and Refill, Dots (item# 22290753) $5.00, online only, limit 6, maximum $30 Bonus Reward. linkUNI-BALL 207 retractable Gel Ink Pens, assorted, 3/pk (item# 20686973) $5.00, online only, limit 6, maximum $30.00 Bonus Rewards. linkSharpie Flip Chart Markers, assorted, 4/pk (item# 20107992) $3.99, online only, limit 6, maximum $23.94 Bonus Reward. link[IN]PLACE 1" Heavy-Duty View Binders, $7.49, limit 4. link
--- instore and online Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.Note 05: 100% back in rewards offers combine with "buy x, get y free" offers -- no matter what the email confirmation suggests. That said, if there is more than one item involved in the "buy x, get y free" offer and there is a price difference between the the items, it might be best to order each linked "buy x, get y free" offer item in a different order. If ordering together in one order, remember that the "free" items will be the least expensive items so in the case of the two Expo products above, the maxed single order would be 3 starter sets at $8.99 and 6 wipes at $6.99. This would result in 3 paid 100% back in rewards starter sets, 3 paid 100% back in rewards wipes and 3 free wipes from the B2G1F offer. If the order was 4 starter sets and 5 wipes, the combined products B2G1F offer would force 4 paid starter sets (of which only 3 would qualify for the 100% back in rewards offer), 2 paid wipes (both would qualify for the 100% back in rewards offer), and 3 free wipes from the B2G1F offer.-----------------------------------------------
TERMS:?Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from September 11, 2011 thru September 17, 2011. 100% Bonus Reward on 3M Command Medium Picture hanging Strips, 3-lbs (item# 21941945) online only, limit 6, maximum $30.00 Bonus Reward per member. 100% Bonus Reward on EXPO Low Odor Dry Erase Pen-Style Markers, assorted, 4/pk (item# 21011405) online only, limit 6, maximum $27.54 Bonus Reward per member. 100% Bonus Reward on EXPO Whiteboard Cleaner (item# 10011603) online only, limit 6, maximum $20.94 Bonus Reward per member. 100% Bonus Reward on EXPO Whiteboard Eraser (item# 10018241) online only, limit 6, maximum $19.74 Bonus Reward per member. 100% Bonus Reward on Liquid Paper 2-in-1 Correction Combo (item# 20858396) online only, limit 6, maximum $29.94 Bonus Reward per member. 100% Bonus Reward on PaperMate G-Force Retractable Ballpoint Pens, black, 2/pk (item# 20431070) online only, limit 6, maximum $25.74 Bonus Reward per member. 100% Bonus Reward on PaperMate Sharpwriter Mechanical Pencils, yellow, 12/pk (item# 10010490) online only, limit 6, maximum $29.94 Bonus Reward per member. 100% Bonus Reward on PaperMate White Pearl Erasers (item# 21089313) online only, limit 6, maximum $17.94 Bonus Reward per member. 100% Bonus Reward on Post-it Notes Neon Colors (item# 20216008) online only, limit 6, maximum $29.94 Bonus Reward per member. 100% Bonus Reward on Sanford UNI Paint PX-20 Markers (item# 20108526, 20108544, 20108553, 20108535, 20108562) online only, limit 6 per item, maximum $17.94 Bonus Reward per item per member. 100% Bonus Reward on Scotch Adhesive Roller and Refill, Dots (item# 22290753) online only, limit 6, maximum $30 Bonus Reward per member. 100% Bonus Reward on Sharpie Accent Pocket-Style Highlighters, assorted, 4/pk (item# 20630649) online only, limit 6, maximum $20.94 Bonus Reward per member. 100% Bonus Reward on Sharpie Fine Point Permanent Markers, assorted or black (item# 10017242, 10014398) online only, limit 6 per item, maximum $28.74 Bonus Reward per member per item. 100% Bonus Reward on Sharpie Flip Chart Markers, assorted, 4/pk (item# 20107992) online only, limit 6, maximum $23.94 Bonus Reward per member. 100% Bonus Reward on Sharpie Magnum Permanent Markers, black (item# 20108198) online only, limit 6, maximum $20.94 Bonus Rewards per member. 100% Bonus Reward on UNI-BALL 207 retractable Gel Ink Pens, assorted, 3/pk (item# 20686973) online only, limit 6, maximum $30.00 Bonus Rewards per member. $19.99 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $39.98 Bonus Reward per member. 100% Bonus Reward on [IN]PLACE 1" Heavy-Duty View Binders, limit 4 maximum Bonus Rewards per member. $25 Bonus Reward on 3M Pocket Projector MP180 (item# 22522138), available online only, limit 2, maximum $50 Bonus Reward per member. $100 Bonus Reward on Kodak EasyShare Z990 12 Megapixel 30X Zoon Digital Camera (item# 23036420) available online onluy, limit 2, maximum $200 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

OfficeMax 100% back in rewards on any [IN]PLACE 1" Heavy-Duty View binders (limit 4) starting 09/11/2011
Get 100% back in MaxPerks Bonus Rewards on any [IN]PLACE 1" Heavy-Duty view binders.
--- Reg. $7.49-$13.49.
--- Mix and Match
--- Limit 4see "Next Week's Ad" on the OfficeMax.com's ad pageOffer is valid in-store. No mention that the offer is in-store only.The email announcing the offer has "Limit 4" in the text of the ad and "limit 2" in the offer's terms. I am leaning toward a limit of four as that matches the ad text from the online version of the ad.
-----------------------------------------------
TERMS:Pop-up Box on online ad:
Mix and match. Limit 4.*Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See page 2 for details.Online ad, bottom of page 2:
*Bonus Rewards are available only for items marked as MaxPerks Bonus Reward offer. All Bonus Reward offers are available from September 11, 2011 through September 17, 2011. Limit may apply, see product offer for details. Bonus Reward offer on OfficeMax Multiuse Copy Paper, 10 Ream Case, limit 2 per member, maximum $39.99 Bonus Reward. Items and related Bonus Rewards are available while supplies last. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details. *Free offer will be applied to the lowest priced item(s) purchased from stated category.Email:
*Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. All Bonus Rewards are available from September 11, 2011 thru September 17, 2011. 100% Bonus Reward on [IN]PLACE 1" Heavy Duty View Binders, limit 2 maximum Bonus Rewards per member. $19.99 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $39.98 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.
-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

http://www.giveawayoftheday.com/The program is available for $ 34.95, but it will be free for our visitors as a time-limited offer. September 9, 2011
LeaderTask planning software is a popular business organizer. It helps you to plan your tasks, meetings and manage projects. LeaderTask has all necessary features for a businessman: task list, appointment calendar, address book, file storage in the organizer, mobile version for your PDA, synchronization with Outlook and even more
Why particularly LeaderTask:
LeaderTask is a popular business organizer thousands of people already use worldwide!
The leading experts in time management recommend LeaderTask!
LeaderTask has all the necessary tools for effective business management: Tasks, Projects, Contacts, Notes, Reminders, export/import to various formats, plug-in support, network version
LeaderTask supports all the main time management methodologies: GTD, Time Drive
LeaderTask has been constantly under active development since 2006 its a guarantee that it will always keep up with time and will never go out of date!

Office Depot FAR software for 09/11/2011 including QuickBooks Online Simple Start 2011 (maybe better than FAR with competitors coupon)
One FAR title -- QuickBooks Online Simple Start 2011 -- with completely new rebates this offer period. All the other titles in this week's edition are from last week or earlier.
--------------------For in-store purchases, if your Office Depot accepts competitor coupons, there is an OfficeMax $10 off $40 coupon attached.--------------------
FAR titles with completely new rebates this offer periodQuickBooks Online Simple Start, For PC/Mac [711942] $129.99 link
$130 standard rebate #OD7102575 link
--- rebate valid from 09/11/2011 through 09/17/2011
--- paid via VISA prepaid card
--- copy of receipt. For online or telephone purchases, you must include a copy of the order confirmation or packing slip.
++ Both Office Depot and Staples have this title as FAR this week. There should be little concern about doing the rebates for both deals especially considering that the rebate for the Office Depot deal is processed by Young America (web-rebates) and is being funded by Office Depot whereas the rebate for the Staples deal is being processed by Parago (rebateshq/stapleseasyrebates).
FAR titles with at least one CONTINUING rebateiolo DriveScrubber [388950] $29.99 LINK
$20 CONTINUING standard rebate #11-63987 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original of the proof-of-purchase seal
--- photocopy of the UPC code
--- copy of receipt
$10 CONTINUING "onbox" standard rebate #10-34763 LINK
--- rebate valid through 12/31/2011
--- original UPC code
--- copy of receiptFix-It Utilities 11 Professional [416643] $39.99 LINK
$20 CONTINUING standard rebate #492-80 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original UPC code (0-18059-10141-8)
--- copy of receipt
$20 CONTINUING "onbox" upgrade rebate FF1120 LINK
--- Registration Card
--- Receipt
--- Competitive Manual Cover (original) / CD (photocopy)
------ Upgrade/Competitive upgrade titles include: Previous versions of Fix It Utilities, System Mechanic, System Mechanic Professional, System Mechanic Premium, Norton Utilities, Norton SystemWorks, Tune-Up Utilities & Registry Mechanic
--- Box Top
--- presubmit at webate.avanquestusa.comiolo Search And Recover [204067] $39.99 LINK
$40 CONTINUING standard rebate #11-63988 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original UPC code
--- copy of receiptiolo System Mechanic PC TotalCare [314637] $59.99 LINK
$30 CONTINUING standard rebate #11-63986 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original proof of purchase seal
--- copy of UPC code
--- copy of receipt
$30 CONTINUING upgrade rebate #11-56521 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
------ in the July 10th thread posting of this rebate, the effective dates were 07/01/2011 through 06/30/2012
--- original UPC code
--- copy of receipt
--- proof of previous ownership:
------ Valid for previous owners of Norton 360, AvanquestSystem Suite, AvanquestFix-It Utilities, Defender Pro 5-in-1, Defender Pro 15-in-1 or any product from iolo.
------ Previous owners of stand-alone / retail products must enclose a photocopy of the CD, original first page of the manual, or original invoice for electronically delivered products.
FAR McAfee titles--------------------****ALERT ON McAfee REBATES****It has been reported on SD that McAfee through its rebate processor, Parago, has started to enforce a one per product restriction on its rebates. Until this is sorted out, submitting more than one rebate per product is not advised even if the rebate has a different rebate number and different offer period. The rebate invalidation message has been reported as "Your rebate request did not pass our audit process".--------------------McAfee Total Protection And Family Protection Bundle 2011 [411189] $69.99 LINK
++ Title is advertised as "FREE After $35 Mfr. Mail-In & $35 Mfr. Current User Upgrade Mail-In Savings" but the upgrade rebate is not currently hosted at Office Depot's rebate site.
$35 CONTINUING standard rebate #1108-63189 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original UPC code (731944512198)
--- copy of receipt
$35 CONTINUING upgrade rebate ??? LINK--- rebate valid from 09/04/2011 through 09/17/2011--- copy of receipt--- proof of previous ownership of a retail (boxed or downloaded), stand-alone version of any McAfee software product or any Norton software, Computer Associates, Trend Micro, Webroot or any other comparable security product CD, diskette1, title page of manual, or your auction purchases, or academic offers.++ McAfee rebates generally can be pre-submitted at www.mcafeerebates.com
$9.99 after rebate titlesAVG Anti-Virus & Anti-Spyware 2011 3-User [597444] $39.99 LINK
$10 CONTINUING standard rebate #11-63887 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- paid via VISA prepaid card
--- original UPC code
--- copy of receipt
$20 CONTINUING upgrade rebate #11-63886 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- paid via VISA prepaid card
--- copy of UPC code
--- copy of receipt
--- proof of previous ownership of a stand-alone, retail (boxed or downloaded) version of any other companys Internet Security software product by furnishing either a copy of the previous product CD, first page of user manual, or your confirmation email from your previous download purchase
++ AVG rebates generally can be pre-submitted at www.rebateshq.comTrend Micro Titanium Internet Security, 1-User [597282] $49.99 LINK
$40 CONTINUING standard rebate #11-64006 LINK
--- rebate valid from 09/04/2011 through 09/17/2011
--- original UPC code (begins with 733199)
--- copy of receipt with a Trend Micro purchase price of $25.00 or greater
++ Trend Micro rebates generally can be pre-submitted at www.rebateshq.com
--------------------****ALERT ON McAfee REBATES****It has been reported on SD that McAfee through its rebate processor, Parago, has started to enforce a one per product restriction on its rebates. Until this is sorted out, submitting more than one rebate per product is not advised even if the rebate has a different rebate number and different offer period. The rebate invalidation message has been reported as "Your rebate request did not pass our audit process".--------------------
Office Depot FAR software beginning 09/04/2011 (maybe better than FAR with competitors coupon)
Office Depot FAR software beginning 08/28/2011 (maybe better than FAR with competitors coupon)
Office Depot FAR software beginning 08/21/2011 (maybe better than FAR with competitors coupon)
Office Depot FAR software beginning 08/14/2011 (maybe better than FAR with competitors coupon)
Office Depot FAR software beginning 08/07/2011
Office Depot FAR software beginning 07/31/2011
Office Depot FAR software beginning 07/24/2011
Office Depot FAR software beginning 07/10/2011 and continuing 07/17/2011
Office Depot FAR software beginning 06/26/2011 and continuing 07/03/2011
Office Depot FAR software beginning 06/12/2011 and continuing 06/19/2011
Office Depot FAR software beginning 05/29/2011 and continuing 06/05/2011
Office Depot FAR software beginning 05/15/2011 and continuing 05/22/2011
Office Depot FAR software beginning 05/01/2011 and continuing 05/08/2011
Office Depot FAR software beginning 03/06/2011 and continuing 03/13/2011
Office Depot FAR software beginning 02/20/2011 and continuing 02/27/2011
Office Depot FAR software beginning 02/06/2011 and continuing 02/13/2011
Office Depot FAR software beginning 01/23/2011 and continuing 01/30/2011
Office Depot FAR software beginning 01/09/2011 and continuing 01/16/2011
Office Depot FAR software beginning 12/26/2010 and continuing 01/02/2011
Office Depot's $1000+ in FAR software with combined Tax software or Tax forms purchase (2011)
Office Depot FAR software beginning 12/12/2010 and continuing 12/19/2010
Office Depot FAR software beginning 12/05/2010
Office Depot FAR software beginning 11/28/2010
Office Depot FAR software beginning 11/21/2010
Office Depot FAR software beginning 11/07/2010 and continuing 11/14/2010
Office Depot FAR software beginning 10/24/2010 and continuing 10/31/2010
Office Depot FAR software beginning 10/10/2010 and continuing 10/17/2010 - now better than FAR with in-store $10 off $20 coupon
Office Depot FAR software beginning 10/03/2010
Office Depot FAR software beginning 09/26/2010
Office Depot FAR software beginning 09/12/2010 and continuing 09/19/2010
Office Depot FAR software beginning 09/05/2010
Office Depot FAR software beginning 08/22/2010 and continuing 08/29/2010 including Peachtree Pro 2011
Office Depot FAR software beginning 08/08/2010 and continuing 08/15/2010
Office Depot FAR software beginning 08/01/2010 -- Peachtree Pro and Norton Online Backup new this week
Office Depot FAR software beginning 07/25/2010
Office Depot FAR software beginning 07/11/2010 and continuing 07/18/2010
Office Depot FAR software beginning 06/27/2010 and continuing 07/04/2010
Office Depot FAR software beginning 06/13/2010 and continuing 06/20/2010
Office Depot FAR software beginning 05/30/2010 and continuing 06/06/2010
Office Depot FAR software beginning 05/23/2010 includes Peachtree Pro
Office Depot FAR software beginning 05/09/2010 and continuing 05/16/2010
Office Depot FAR software beginning 05/02/2010
Office Depot FAR software beginning 04/18/2010
Office Depot FAR software beginning 04/04/2010 and continuing 04/10/2010
Office Depot FAR software beginning 03/07/2010 and continuing 03/14/2010
Office Depot FAR software beginning 02/21/2010 and continuing 02/28/2010
Office Depot FAR software and calculator advertised 02/14/2010
Office Depot FAR software advertised 02/07/2010
Office Depot FAR software advertised 01/24/2010

Nike Air MagAKA the Back to the Future Shoes (Only 1500 Made) available on eBay 9/8/11 @ 11:30PM ESThttp://nikemag.ebay.com/
Image - Nike Air MagThe NIKE MAG is no longer the greatest shoe never made. The mythical shoe that originally captured the imagination of audiences in Back to the Future II is being released and theyre here to help create a future without Parkinsons disease.1500 pairs of the 2011 NIKE MAG will be auctioned on eBay with all net proceeds going directly to The Michael J. Fox Foundation. Each day for the duration of the ten-day auction, one hundred and fifty pairs of the 2011 NIKE MAG shoes will be made available via eBays Fashion Vault. The auction starts September 8, 8:30PM PST, and will end September 18. Thanks to a previous 50 million dollar match given to the Michael J. Fox Foundation, all donations will be matched, effectively doubling the contributions from the auction.The original NIKE MAG was worn by the Back to the Future character Marty McFly, played by Michael J. Fox, in the year 2015. It came alive, lit up and formed to Martys foot. The 2011 NIKE MAG shoe was designed to be a precise replica of the original from Back to the Future II. The aesthetic is an exact match, down to the contours of the upper, the glowing LED panel and the electroluminescent NIKE in the strap. The 2011 NIKE MAG illuminates with the pinch of the ear of the high top, glowing for five hours per charge.The 2011 NIKE MAG - Its About Time

I just saw this on the Citibank website. It looks like the Thank You point structure for Checking/Banking products and services are changing effective December 9th, 2011.

ION Profile LP Turntable - Convert LPs to MP3s via USB connection to Mac/PC on eBay via 1SaleADay - Refurb for $29 shippedhttp://cgi.ebay.com/ws/eBayISAPI.dll?ViewItem&item=220848127780Description:
The Profile LP from Ion is a vinyl record player with a USB output. Connect the Profile LP to a stereo system or amplified speakers and it can be used as a regular record player, or connect it to a computer via USB to easily transfer your vinyl records to your hard drive. Easy-to-use vinyl conversion software for Mac and Windows computers is included, so you'll have all the audio gear you need to play and digitize vinyl.The included software applications will help simplify the vinyl digitizing process. If you've never used audio recording software before, Ion has gone out of their way to develop programs that are as easy-to-use as possible. If you're on a PC with the Windows operating system, you can use the included EZ Vinyl/Tape Converter software. If you have an Apple computer with OSX, you can use the included EZ Audio Converter software.Whether you're looking for your first vinyl turntable to get into the wonderful world of record collecting, or you're looking for your last turntable to digitize your albums into your computer, the Profile LP is a great cost-effective choice. Turn your records into MP3s using your Mac or PC
Play records on your home stereo without needing a preamplifier
Plug-and-play USB computer connection requires no driver installation
33 1/3 and 45 RPM settings
Enables you to transfer 78 RPM albums using included software
EZ Vinyl/Tape Converter software quickly transfers your music to iTunes
Audacity software for reducing pops, cracks, and hiss on worn records
Product Highlights
Connect to Your Stereo System & Computer
Included Software to Digitize Vinyl
Plays 33 & 45 RPM Records
Low-Profile Design, Piano Black Finish
Mac and Windows Compatible

http://www.giveawayoftheday.com/The program is available for $39.95 , but it will be free for our visitors as a time-limited offer. September 6, 2011
Get the original! Paragon Softwares advanced partitioning tools help you completely control and manage your hard disks!With growing hard drive capacity, the need to reasonably split up the space is more important than ever. This easy-to-use partitioning tool is ideal for re-structuring your hard disk for optimal and effective data storage.
New Features:
Automatic partition alignment during partitioning/copy operations to optimize performance of the hard disk;
Recovery Media Builder;
Support of AFD (Advanced Format Drive);
Support of 2TB+ and non-512B sector size drives;
USB 3.0 ready.
Key benefits:
Basic and Advanced Partitioning Features. Create, format, delete, undelete, resize or merge partitions without data loss; redistribute free space.
Copy Features. Copy a full hard disk or a separate partition. You can even resize a partition while copying it.
Boot Management Features. Easily activate/deactivate the boot manager and setup a multi-boot environment.
Optimization Features. Automatic partition alignment during partitioning/copy operations for the hard disk performance optimization. Different strategies of file system defragmentation according to one of the three parameters (file date, file size, directory order).
Basic Backup and Restore Features. Create backup images without leaving Windows with Paragon Hot Backup technology. Restore system and data even from bare-metal state.

LinkyUse code APR4 at checkout...
Product Features
14-megapixel CCD sensor; 18x wide-angle optical zoom lens
Motion Panorama shooting mode
720p HD movie capture; mini-HDMI output
Easy upload to Facebook and YouTube
Capture images and video to SD/SDHC memory cards (not included)
14 million effective pixels; 1/2.3 inch CCD with primary color filter; 18x optical zoom lens plus approx 6.7x digital zoom
3.0 inch TFT color LCD monitor plus electronic viewfinder; HD movie 720p with sound
6 scene SR AUTO; Motion Panorama mode with auto stitch
Dual image stabilization; Face, Blink detection; Smile and Shoot mode; Auto red-eye removal; Tracking auto focux
USB 2.0 High-speed; HDMI mini output; Video output NTSC / PAL selectable; SD/SDHC card compatible (card NOT included)
Technical Details
Brand Name: Fuji
Model: 16123567
Optical Sensor Resolution: 14 MP
Optical Sensor Technology: CCD
Optical zoom: 18 x
Maximum Aperature Range: F/3.1-5.6
Minimum focal length: 5 millimeters
Maximum focal length: 90 millimeters
Lens Type: Zoom lens
Optical Sensor Size: 1/2.3"
Included Flash Type: Pop-up flash
Display Size: 3.0
Light Sensitivity: ISO 100, ISO 800, ISO 400, ISO 200, ISO auto, ISO 64, ISO 3200 (3Mpix), ISO 6400 (3Mpix), ISO 1600
Image types: JPEG
Shooting Modes: Frame movie mode
Exposure Control Type: Beach, Night (tripod), Natural light, Snow, Natural light & with flash, Landscape, Portrait mode, Night mode, Smile shot, Motion panorama, Zoom bracketing, Text, Party/indoor, Fireworks, Flower, Sports mode, Sunset
Viewfinder Type: LCD
Width: 4.3 inches
Depth: 3.2 inches
Height: 2.9 inches
Weight: 12 Ounces
Excellent reviews on Amazon and best buy...

OfficeMax.com 100% Bonus Reward on select Alienware bags by Mobile Edge (limit 2)
online ad linkOffer valid online only.Alienware bags by Mobile Edge (item# 23129614, 23134047) limit 2, available online only, maximum $219.98 Bonus Reward per member.
--- Mobile Edge 17.3" Alienware Orion Backpack [23129614] $109.99
--- Mobile Edge 17.3" Alienware Orion Messenger Bag [23134047] $109.99 Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.Note 05: 100% back in rewards offers combine with "buy x, get y free" offers -- no matter what the email confirmation suggests. That said, if there is more than one item involved in the "buy x, get y free" offer and there is a price difference between the the items, it might be best to order each linked "buy x, get y free" offer item in a different order. If ordering together in one order, remember that the "free" items will be the least expensive items so in the case of the two Expo products above, the maxed single order would be 3 starter sets at $8.99 and 6 wipes at $6.99. This would result in 3 paid 100% back in rewards starter sets, 3 paid 100% back in rewards wipes and 3 free wipes from the B2G1F offer. If the order was 4 starter sets and 5 wipes, the combined products B2G1F offer would force 4 paid starter sets (of which only 3 would qualify for the 100% back in rewards offer), 2 paid wipes (both would qualify for the 100% back in rewards offer), and 3 free wipes from the B2G1F offer.
-----------------------------------------------
TERMS:♦ Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward. All Bonus Rewards are available from September 4, 2011 thru September 10, 2011. For $70 Bonus Reward on Lexmark Color Inkjet Genesis S815 Wireless All-in-One (item# 22485124) limit 2, maximum $140 Bonus Reward per member. $20 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $40 Bonus Reward per member. 20% Bonus Reward on any national brand ink or any 2 identical toner cartridges requires a $50 minimum purchase of any national brand ink or purchase of any 2 identical toner cartridges, offer includes HP ink and toner, excludes OfficeMax Brand ink, toner and ink refill, purchase must be in the same transaction to qualify. 100% Bonus Reward on select Alienware bags by Mobile Edge (item# 23129614, 23134047) limit 2, available online only, maximum $219.98 Bonus Reward per member. $25 Bonus Reward on 3M Pocket Projector MP180 (item# 22522138), available online only, limit 2, maximum $50 Bonus Reward per member. $24 Bonus Reward on Kodak M532 14 Megapixels 4x Zoom Red Digital Camera (item# 23036439) limit 2, maximum $50 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details. -----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

OfficeMax LexmarkS815 wireless AIO printer $10 after $70 in rewards, $50 trade in and $30 off coupon (limit 2)
online ad link
Lexmark Color Inkjet Genesis S815 Wireless All-in-One (item# 22485124) $159.99 limit 2, maximum $140 Bonus Reward per member.
159.99 sales price-30.00 $30 off $150 coupon------129.99 plus tax where applicable-70.00 rewards (payout will occur in middle to late October)-50.00 trade-in (see trade-in terms below)------9.99
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.Note 05: 100% back in rewards offers combine with "buy x, get y free" offers -- no matter what the email confirmation suggests. That said, if there is more than one item involved in the "buy x, get y free" offer and there is a price difference between the the items, it might be best to order each linked "buy x, get y free" offer item in a different order. If ordering together in one order, remember that the "free" items will be the least expensive items so in the case of the two Expo products above, the maxed single order would be 3 starter sets at $8.99 and 6 wipes at $6.99. This would result in 3 paid 100% back in rewards starter sets, 3 paid 100% back in rewards wipes and 3 free wipes from the B2G1F offer. If the order was 4 starter sets and 5 wipes, the combined products B2G1F offer would force 4 paid starter sets (of which only 3 would qualify for the 100% back in rewards offer), 2 paid wipes (both would qualify for the 100% back in rewards offer), and 3 free wipes from the B2G1F offer.
-----------------------------------------------TRADE-IN:
Trade-in Instructions
Recycle your old printer in-store and SAVE an ADDITIONAL $50 on a new one.*It's simple-Just follow these instructions.
What can I do online?
--- Buy an eligible printer priced $199.99 and above online
--- Bring your old printer along with the packing slip from your new printer to any OfficeMax store
--- An in-store $50 refund will be issued based on the original form of payment.
--- Shop Eligible Printers Now
------ While the Lexmark S815 in not on the above list, the printer qualified for this offer the last time it was advertised as qualifying.In-Store Purchasing Instructions:
--- See your Weekly Ad and shop our selection of printers advertised with the "be green SAVE green" logo.
--- Bring your old printer to any OfficeMax store to be recycled.
--- Look for the "be green SAVE green" logo to shop the selection of qualified printers.
--- Selection may vary by location.
*Offer applies to eligible printers priced $199.99 or higher. Purchase online before 9/17/11. Refunds will only be issued in-stores until 10/1/11. Select Lexmark Printers must be purchased by 9/10/2011 and in-store refunds will be issued until 9/24/2011. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks, Retail ConnectSM pricing, Visa and/or MaxPerks Bonus Reward offers. -----------------------------------------------REWARDS TERMS:♦ Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward. All Bonus Rewards are available from September 4, 2011 thru September 10, 2011. For $70 Bonus Reward on Lexmark Color Inkjet Genesis S815 Wireless All-in-One (item# 22485124) limit 2, maximum $140 Bonus Reward per member. $20 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $40 Bonus Reward per member. 20% Bonus Reward on any national brand ink or any 2 identical toner cartridges requires a $50 minimum purchase of any national brand ink or purchase of any 2 identical toner cartridges, offer includes HP ink and toner, excludes OfficeMax Brand ink, toner and ink refill, purchase must be in the same transaction to qualify. 100% Bonus Reward on select Alienware bags by Mobile Edge (item# 23129614, 23134047) limit 2, available online only, maximum $219.98 Bonus Reward per member. $25 Bonus Reward on 3M Pocket Projector MP180 (item# 22522138), available online only, limit 2, maximum $50 Bonus Reward per member. $24 Bonus Reward on Kodak M532 14 Megapixels 4x Zoom Red Digital Camera (item# 23036439) limit 2, maximum $50 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details. -----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

I just got a mailer for a BankAmericard Cash Rewards card that looks different than any of the other ones I've seen posted, and (I hope) quite a bit better! I got approved for $10,000. I read over the whole thing and here are the high points:
No annual fee
1.5% Cash Back on all purchases (I didn't see any limits or tiers)
$100 bonus after spending $500 within 90 days
0% intro APR on purchases for 15 billing cycles
And, buried in the fine print, if you redeem $300 or more in rewards, you get a 25% redemption bonus, so you effectively earn 1.875%!
I don't see this listed on their website at all, so it may be targeted. Keep an eye on your mail. I'll see if I can find out any more info on it to see if it's publicly available. I'll definitely take a $500 break from my AARP card, then go back to finish my run with that card. But after that this seems like it will be my go-to card for pretty much everything.

Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a new GFE with different rate and costs which I agreed to. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..

Hello Fellow FTers,This is my first post so please go easy on me. I have been lurking like many other users and I apologize that for my first post I am reaching out for help rather than offering help.Here is my situation:I am in the process of purchasing a house. I locked in a rate with one of the service providers and they were great in helping answer questions and working through the process. I was initially going for a Conventional Loan. I provided all the docs as were required. I was assured numerous times a week back that everything was good to go and only thing remaining was the appraisal to go to settlement. Once the appraisal came in they found issues with the various bank deposits and initial agreement on the down-payment and said my loan could not be approved. The only way to approve any loan was to do an FHA. I did that and reworked the contract with the sellers. My lease on my current residence has ended in the meantime and luckily I was able to secure a 2 weeks extension (ending next Friday).We agreed on the FHA terms and conditions (15 years, 3.5 % down) and should be going to closing next Wednesday. I got a call yesterday from the service provider that the loan was approved however they would need to change the adjusted origination charge on the GFE(effectively increasing it by 3K) since the bank would not be able to approve with that credit amount. I am not a big fan of buying a house but my wife's heart is set on it and I am not totally opposed to buying a place either.Given the above and the fact that my lease is up in 2 weeks, how should I pursue this?Should I go to settlement and fight this after the fact - if so, how?
I have already threatened to cancel this but they have not budged, what else can I do?Thanks for your continued help..

AA is changing the way they calculate lifetime miles effective 12/1. Before all miles earned counted. Now only miles earned by flying (no bonuses) will count. You have till 12/1 to be grandfathered in by either earning lifetime status or getting as close to it as possible.With 1 million lifetime miles you get AA Gold plus a bonus. With 2 million you get AA platinum plus a bonus again. Both allow you to both exit row, not have luggage fees, priority phone service, skipping lines, faster boarding, upgrades, bonus miles, etc..I and others are rushing to get as much lifetime miles as possible.Ways to do that include
Apply for AA Credit Card X 3(Visa, AMEX, Business) for 75 miles each
BankDirect Checking & CDs (if you need the 1k bonus just pm me)
AA Shopping
AA Dining
Prepay 2012 expenses on AA Credit Card
Mileage Run/Fly As much as possible before 12/1 and choose mileage maximizersOfficial Announcement:
Starting December 1, 2011, AAdvantage base miles earned by flying on American Airlines, American Eagle or the AmericanConnection carrier or any AAdvantage program participating airline will count towards Million Miler status. Before you get nervous about just BIS miles counting, for those of you who have the new Citi Executive(SM) / AAdvantage World Elite(TM) MasterCard credit card, as a limited time offer, one AAdvantage mile for every dollar spent on eligible purchases using this card will count toward Million Miler status. Bonus miles and additional miles earned through special offers will not count. The Citi Executive(SM) / AAdvantage World Elite(TM) MasterCard credit card account must be open and in good standing by December 1, 2011, and miles must post to billing statements through December 2012. Realize that this makes American Airlines the only major US airline to provide a significant non-flight way to achieve Million Miler status. And one of the few to allow Million Miler miles accrual on participating airlines.Here are the benefits at each Million Miler threshold: At 1,000,000 Million Miler miles, AAdvantage members will receive lifetime AAdvantage Gold status and 35,000 AAdvantage bonus miles (which, as you know, can be exchanged for eight 500-mile upgrades if thats what you prefer)
At 2,000,000 Million Miler miles, AAdvantage members will receive lifetime AAdvantage Platinum status and four one-way systemwide upgrades
At each additional Million Miler mile mark, AAdvantage members will receive four additional one-way systemwide upgrades
You might be wondering about the AAdvantage miles youve earned so far. The good news is that when the Million Miler program launches on December 1, your starting Million Miler balance will include every AAdvantage mile youve ever earned since joining the program. And any Million Miler status or benefits youve earned so far remain as well.When you log into your AAdvantage account on AA.com on and after December 1, youll see your Million Miler balance separate from your award miles, so you can easily track your progress toward these mileage milestones.For more information you can visit http://bit.ly/aadvmillion or ask any questions you may have right here.Thank you for your continued loyalty, and we look forward to seeing you on board soon.

http://www.giveawayoftheday.com/The program is available for $39.95, but it will be free for our visitors as a time-limited offer. August 29, 2011
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See sales ad, price effective 8/28-9/3/11. Thanks to crabcakes @ SD

I have two Discover cards that I a contemplating a BT to in the near future. One card has a BT offer that is good until the end of September. The other is a little more weird, every time I log-in, the "good through" date is the current date. (And I should note that previously it did have more set time periods for the offer, at least 4-6 weeks out before something expired).Has anyone heard of this? It seems to me they are trying to wait out something on their end I guess. My credit/finance situation hasn't changed at all on my end.BTW, the "Good this day only" BT offer really sucks, 9.99% for 12 months with a 5% fee. Like a dummy I keep logging in every day to see if/when it will change.

Amazon Ships from and sold by Amazon.com.
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Easy to use by any family member, small size makes it convenient to place anywhere.
Recommended For: Kitchen, Garage, Office, Car, Dorm, Camping, RV, Grilling, Boat, Fireplace, Workshop+Unfortunately, we had serious damage to our home from a small grease fire that GREW while I was looking for our extinguisher under the sink!
Don't kick yourself later, take precautions now !

Long-time FWF poster here, using a pseudonym for anonymity. Critique my plan:Age: 30
Current Net Income: $60k
Current Annual Expenses:$15k
Expected Annual Raises: 10% to 20% minimum for 5 years - if my employer doesn't offer it, I can easily get this bonus by switching companies
Industry: Specialized Niche Consulting Field Operating In Low-Cost of Living Area, Traveling World-Wide to Clients - I do not wish to give specifics; please don't pry as this is part of my anonymity due to the niche field.Student Loans: $120k in government loans at ridiculous rates on income-based repayment plan. With creative accounting, I pay virtually nothing towards this and one reason I wish to retire early, is so that I may never have to pay this off. It's effectively a 15% tax on ever marginal dollar of earned income, putting me in the "55% tax bracket" thus reducing my motivation to work when I can only keep 45 cents of every additional dollar.Current Assets: $150k primarily in IRAs and 401ks, built up over the last 10 years.Goal: $400k in assets.My projections suggest that I can hit $400k in assets in 4 to 5 years of working at my current job. I will be 35 years old, unmarried, with no children, and a vasectomy. I live a quiet lifestyle and enjoy doing things myself rather than paying people to do them. Thus, my living expenses will be very low in retirement since I don't mind spending 10 hours learning to fix my toilet than paying a plumber $100 to do it in 15 minutes. Theoretically, one could argue that my hourly rate at work now is $40 about an hour and it would make little sense to forgo the opportunity cost of working 10 hours to learn to fix a toilet when I could gross $400. However, after IBR, FICA, State/Federal taxes, that $400 is $180. And I would rather spend 10 hours screwing around with my toilet, than doing the same boring consulting work that I have done forever.The tentative plan is once I hit $400k to buy a $150k house in a rural area. Perhaps something around 1000 square feet in a 2/1. Then I keep $250k as my savings. I can do 4% withdrawal rate and take out $10k per year, adjusted for inflation, to live on. $10k doesn't sound like much, but if I am cooking all my own meals, fixing all my broken stuff, and not driving to work everyday, it's plenty.Additionally, I don't intend to sit on my ass all day in "retirement" playing video games. I can do various part-time work at $40 an hour using skillsets I have picked up throughout the years. So my $10k from passive investments can easily be supplemented with another $5k to $10k by working on average 3 to 6 hours a week. That might also translate to working on a big project for a client for 80-hours a week for 2 weeks a year and taking 11 months off. I can live like a king on $20k a year, in a paid-off-house in a rural area.Another big benefit is transparency in costs and finances. If I am only able to take $10k per year from passive investments, but I decide I want to buy a new computer/vacation/widget, I can make a highly conscious decision on whether I want to work for this item. For example, if the computer is $2,000 and I know I can earn $40 an hour, I have consciously decided to go from a completely non-working state, to a state where I work 50 hours at $40 an hour, to buy the computer. Thus, the decision is whether to trade 50 hours of my life energy into this computer, or whether I can just go without the new computer. When you are already working 60 hours a week, with no clear retirement goal in sight, making stupid unnecessary purchases is more commonplace because they are opaque. You can't clearly see 20 years into the future and realize "if I buy this new computer now, then I have to work one more month when I am 55 years old." I believe that's a large driver of wasteful spending in developed nations today. If everyone was self-sufficient in their needs, and didn't want to work except for wants, there would be less "wants" due to the transparency in the trade-off.I frequently hear people tell me how expensive healthcare costs will be as I age. My response is that if I am retired at 35, I can eat healthy, have little to no stress of an alarm clock, sleep 9 hours a night, go to the gym daily, go for a nice walk through the park daily, and maintain an appropriate weight and eating style. I will be very healthy and able to reduce medical expenses. There are unexpected expenses, but for that there is high deductible health plans. Additionally, we have EMTALA in the US that prevents an emergency department from turning you away. IRAs are protected from creditors so if my $250k is in an IRA, and my home is paid off in a state that protects homes from creditors, then I have nothing a hospital can take from me, if I cannot afford a procedure. I have no intentions of defrauding or scamming a hospital, and do have intentions on buying HDHP insurance. I mention this only in a very small probability of event where I do run into huge medical bills, this does not destroy my retirement plans as all my assets are shielded.On a more FWF note, if I am retired and have all the time in the world, I can negotiate rates for medical procedures, review scientific literature to ensure the recommended procedure is worth my money, and take better control of my healthcare decisions, as opposed to letting a health insurance company with profit-driven motives make that determination.I know some at FWF will scoff at my idea to live in a $150k home on $10k per year. Personally I scoff at people working into their 40s, 50s, and 60s, that are 50lbs+ overweight, with diabetes, grey hair, stressed out, just so they can afford to buy a new car every few years, or live in a bigger house they don't need, or be able to avoid having to do anything for themselves because they can hire a specialist to fix their toilet, car, etc. I don't want to be a fat, stressed out, helpless old man who is stuck in a job with no ability to leave due to my dependance on that weekly paycheck.I write this post not to ask for a critique of my future lifestyle because that's my individual decision. I write it for financial purposes for advice on my numbers. Assume that my asset projections are correct and in 5 years when I am 35, I will have $400k in assets - approximately $250k in 401k/IRAs, and $150k in taxable savings. This is a modest forecast and I will likely have closer to $500k saved up.The theory is when using substantially equal period payments, I can shift my IRAs into multiple accounts so that I initiate SEPP only on an appropriately sized IRA chunk that gives me $10k per year, adjusted for inflation. Since my income will be below the poverty line, IBR student loan payments turn off. Also I won't pay income taxes since I get the standard deduction/personal exemption. I never paid taxes on these 401ks/IRAs going in, and I will never pay taxes coming out. This is another reason for early retirement. The goal is to pay the fewest taxes over my lifetime while maximizing my value of living.It's always a good idea to have contingency plans so mine is to do a limited amount of part-time work every year, in my industry, to stay active. So if in a few years I wind up needing another $100k, I can re-enter the job market full-time and have a way to show continuous work experience. Due to the nature of my industry, I can easily play the NDA card to avoid revealing my clients or the nature of number of hours worked over the past years. As long as I remain moderately active by working 50 hours per year, I can stay on top of developments and changes.I'd like to hear FWF critique my plan. I'd also like to know if anyone is considering something similar, or perhaps if some ideas have inspired you to modify your future goals.

The HARP programs designed for folks who cannot do a regular/conventional refinance have been extended another year (through mid 2012). With mortgage rates again hitting lows in August 2011 (of which November 2010 was the last time for lowest rates), these products deserve some consideration.Let's keep it simple first, you should consider a HARP refinance if the following is true:-Loan is owned by Freddie (https://ww3.freddiemac.com/corporate/) or Fannie (http://www.fanniemae.com/loanlookup/)
-You have a CLTV or TLTV (that means your 1st and 2nd liens together) of more than 80%
-Your 1st mortgage LTV is no more than 125% of current automated loan value
-Your 2nd mortgage can be of any value (there is no limit to TLTV for these programs)
-You have primary or investment property you want to refinance
-You have a bad ARM or balloon
-You do not qualify for either HAMP 31% of gross or the newer 24% of gross mod program
-You do not want to skip payments to get into the modification programs
-You have a good to excellent credit score
-You have not been late on more than 1 payment in the past year on the current loans
-You do not want to do a full manual appraisal (but you can if it makes sense)
-You do not mind refinancing with your current lender (not a requirement)
-You are in good terms with your second lien lender (if any) and are making at least minimum payments
-You would not mind using an automated appraisal for the loan
-You have a fixed rate loan with a rate of 5.5 or higher (my opinion)I recommend calling your current servicer's refinance department and asking for a HARP rate quote for you loan first. If they give you any hassle, keep trying. You do not need to run credit until you like the rate/term offered.HARP Program Details:
-You can only do a HARP once (since the loan being refinanced must have originally closed before 6/1/2009).
-I still recommend doing this only if you get at least a 1% drop
-You can drop into a lower term (10, 15, 20, and 25 are available)
-There will be closing costs, but in many states, they should not be unreasonably higher (definitely not the cheapest loan costs from a shopping around perspective)
-I would focus on getting the product as close to zero points (maybe a slight +/- partial point at the worse). Paying points in this environment on a refi is usually not recommended.
-No cash-out
-You can do a full appraisal, but it is not recommended unless you have no other way to get to the right LTV threshold.
-There are three LTV thresholds I have seen: 80-95, 95-105, and 105-125. Thresholds mean the rate is effectively the same within the threshold and an appraisal would not be helpful unless it brings you down to the next lower threshold.
-If your LTV is above 105%, you will only have 20, 25, or 30 year options available.It is possible to go to another lender and ask them to do a HARP for you (called Open Access), but there are some serious difficulties including:
-You have to do a full appraisal
-Underwriting WILL be more complex
-You may have limitations in over 105% products
-They may have a problem funding your loan due to limitations for securitizationHere is Fannie Mae's product for HARP (Refi Plus or DU Refi Plus):
https://www.efanniemae.com/sf/mha/mharefi/Key points:
-Property can be for sale
-Can remove/add a borrower from loan via process
-LPMI loans must be done via same-servicer (no open access)Here is Freddie Mac's product for HARP (Relief Refinance Mortgage):
http://www.freddiemac.com/sell/factsheets/relief_refi.html
Open Access HARP list (with LTV): http://www.freddiemac.com/avoidforeclosure/participating_lender_...Key points:
-Can remove borrower
-Does not appear to offer 10 or 25 year products
-Cannot go from fixed-rate to ARMIf you have a FHA loan and are still reading this thread, here is a link to the FHA Streamline products available (note how they like to boast about their history of doing streamlines regardless of LTV):
http://portal.hud.gov/hudportal/HUD?src=/program_offices/housing...Major problems that are likely to occur:
-Your current 2nd lien servicer/lender MUST subordinate to the new refinance. Typically, this is no different than the current lien setup, but it does give a second lien servicer a chance to be difficult. It would be possible for them to say no and then you either have to payoff/close the 2nd or no refinance soup for you. By the way, the payoff/close of the 2nd has to likely be done before the loan can even proceed (not done as part of the escrow closing).-If you have a condo or other PUD type with a master insurance policy, you will likely need to have a certain percentage of building/dwelling personal coverage which may be higher than your current policy or you will need to get a policy. There is no way around this new requirement.-If you have PMI, I hear there are sometimes problems with LPMI loans. However, you should be able to have a PMI loan that can be done in this program. Even if you current MI lender is basically out of the business, they will modify the certificate for this program regardless of new LTV.Future of high LTV loans -- what is on the horizon:
There is significant risk waiting longer to refinance these loans for a number of reasons including:
-The rollback on the max loan value as that program nears expiration that may put more pressure on appraised values (since most will likely use automated values)
-Uncertainty of interest rates
-Further instability of Fannie/Freddie
-Further bank consolidation (likely to delay any refinance until the new servicer gets the loan properly setup in their system)
-You are losing money each month when paying higher interestIf you are thinking that rates will stay low for a long time, you can ask for an ARM product rate quote in certain circumstances, they do exist for HARP loans, but are limited in choices.My opinion is that there is pending legislation out there that will introduce a new high LTV refinance program. There is nothing to indicate that you would not be able to use that new program to do another high LTV refinance if it is attractive when that program comes. That new program will not be called HAMP and should reset the seasoned loan requirements.Background
The number of HARP refinances is really terrible to date. According to FHFA, as of May 2011, the number of total HARP loans refinanced is about 800,000, but only about 57,000 loans with a LTV >105% have been refinanced. There have been over 8 Million refinances for all Fannie and Freddie since HARP was available, so only 10% of total loan volume was these HARP target loans.http://www.fhfa.gov/Default.aspx?Page=172 (see Foreclosure Prevention Reports)I know the reason why the numbers are low is because servicers were really slow to get their qualification issue together, and I know that lenders were telling folks they were not eligible when in fact they were. These issues have been fixed now I believe. Also, the rate penalty (typically .5 to 1.5 off lowest weekly rate) made these not enough to justify the closing costs. Now, when you add these penalities to the lowest rates, rates are still rather decent compared to most loans done during the stated period.Rasheed

Hey all:Just got the word at work that I am going to be transferred from SF Bay Area, California to a new long term project (am in IT consulting/services) in another part of the US (looking like Midwest or Southeast) and my family (wife and infant) will be coming along.My company pays for airfare for myself and family, household moving expenses to a predetermined $ amount ($4000) and will pay for one car to be moved (up to $1000).We currently live in a 1BR apartment, but we live relatively lean and thus don't have a massive amount of stuff - so the full-bore moving van experience might be overkill/not realistic cost-wise.I'd like to tap into the FWF hivemind to get some recommendations about cost-effective solutions for moving (without getting screwed - I've read this thread http://www.fullofdeals.com/forums/finance/1004259/)). Below are a few questions I had, but feel free to chime in with whatever advice/warnings/flames you would like to provide.1. Does anyone have experience with "storage pod" providers when moving? Was it as easy as they claim?
2. What are common rip-offs I should watch out for? I've heard of the "charging by size, not by weight" one before.
3. Does anyone have any vendor/company recommendations?
4. How can I ensure that my friends at the California Franchise Tax Board don't try to charge me taxes after I leave? (i.e. what do I need to do to "renounce" my California residency)Thanks in advance!

Good Morning:My wife and I are counting down the days until our vacation. On August 31-September 6, we are flying to Kona Hawaii. (Thanks FatWallet!) We have our flight and hotel and will be staying at the Hilton Waikoloa Village. Realizing this is Hawaii, we know we will be spending the majority of our money on dining and entertainment. So I would like to ask you if you have any tips or advice for our trip relating to these topics. Appreciate any help and I hope I wrote this clearly enough and with enough detail for you.DINING (going out): We are Hilton Diamond HHonors members, but I have heard the hotel does not have an Executive/Breakfast area - so they credit the account $20/day. Dining on site is very expensive, though I did find a 10% coupon (wow!) for one of the restaurants. There are other restaurants in the area and if we have to just suck it up and spend $80-$100 a meal, that is fine. I'm cheap - but not greedy. We saved on our flight and hotel so we can splurge on meals and are happy to help support tourism in this beautiful state.SNACKING (eating in): I have researched and there is a grocery store (Whalers General Store) on the Hilton property that charges a lot and doesn't have a lot of selection. There is a WalMart that is about a 30 minute drive - but we did not plan to rent a car. Grocery Delivery from Aliigrocerydelivery.com is $30.00, depending on if Hilton provides us a bar area/refrigerator, this might save us a lot of money. safeway has free delivery, but I am not sure if they deliver to this area. Does anyone have any experience?EVENTS: While the point of the trip is to just do nothing, we would like to explore the area. We are considering one of the tours. Maybe a volcano tour, etc. Not so much into snorkeling or meeting dolphins, but would appreciate any suggestions.TRINKETS/DOO-DADS: If we visit WalMart (see SNACKING) I have read we can pick up Kona coffee very cheap there. But of course we will want to bring back STUFF for people, of course coffee. Where is the most cost effective place to purchase gifts? Local vendors? ABC? Thank you!

OfficeMax.com 100% back in MaxPerks rewards on erasers, pens, markers, liquid pencils, dry erase starter kit and wipes 8/21-8/27
100% back in MaxPerks rewards on your purchase of select schoool supplies LINK. Log into your rewards account until OfficeMax.com page updates.
--- Online only
--- Limit three per item except possibly the Parker Jotter Retractable Medium-Point Black Ink Fine Writing Pen (item# 21223141) which might be limit one.
Paper Mate Pink Pearl Erasers, 12 pack (item# 20475353), $7.49, maximum $23.97 Bonus Reward LINKSanford Magic Rub Erasers, 12 pack (item# 20451510), $7.99, maximum $23.97 Bonus Reward LINKuni-ball Pink Ribbon 207 Retractable Medium-Point Gel Pens, Black, 2-pack (item# 21654201), $3.99, maximum $11.97 Bonus Reward LINKSharpie Metallic Fine-Point Permanent Markers, 4 pack (item# 20206812), $6.49, maximum $19.47 Bonus Reward LINKSharpie Twin-Tip Fine-Point and Ultra Fine-Point Permanent Markers, assorted, 4 pack (item# 10121067), $7.49 maximum $22.47 Bonus Reward LINKSharpie Liquid Pencils, 2 pack (item# 22333280), $4.49, maximum $13.47 Bonus Reward LINKLiquid Paper DryLine Grip Correction Film, 2-pack, clear dispensers (item# 10119551), $6.29, maximum $18.87 Bonus Reward LINKExpo 6-Piece Low Odor Dry Erase Marker Starter Kit (item# 10029818), $8.99, maximum $26.97 Bonus Reward LINKExpo Cleaning Wipes, 50 wipes (item# 20711044), $6.99, maximum $20.97 Bonus Reward LINKParker Jotter Ribbon Retractable Pen (item# 21223141), $4.29, maximum $12.87 Bonus Reward LINKParker Jotter Retractable Medium-Point Black Ink Fine Writing Pen (item# 21223141), $7.99, maximum $23.97 Bonus Reward LINK
++ limit one according to ad text, limit three according to offer terms.
++ only 100 available
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.Note 05: 100% back in rewards offers combine with "buy x, get y free" offers -- no matter what the email confirmation suggests.
-----------------------------------------------?Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from August 21, 2011 thru August 27, 2011. $25 Bonus Reward on Hammermill 8.5x11 Copy Plus Paper, 10-Ream Case (item# 06011184) limit 2, maximum $50 Bonus Reward per member. 100% Bonus Reward on Paper Mate Pink Pearl Erasers (item# 20475353) maximum $23.97 Bonus Reward per member. 100% Bonus Reward on Sanford Magic Rub Erasers (item# 20451510) maximum $23.97 Bonus Reward per member. 100% Bonus Reward on Sharpie Metallic Fine-Point Permanent Markers (item# 20206812) maximum $19.47 Bonus Reward per member. 100% Bonus Reward on Sharpie Twin-Tip Fine-Point and Ultra Fine-Point Permanent Markers (item# 10121067) maximum $22.47 Bonus Reward per member. 100% Bonus Reward on Sharpie Liquid Pencils (item# 22333280) maximum $13.47 Bonus Reward per member. 100% Bonus Reward on uni-ball Pink Ribbon 207 Retractable Medium-Point Gel Pens, Black, 2-pack (item# 21654201) maximum $11.97 Bonus Reward per member. 100% Bonus Reward on Liquid Paper DryLine Grip Correction Film, 2-pack, clear dispensers (item# 10119551) maximum $18.87 Bonus Reward per member. 100% Bonus Reward on Expo 6-Piece Low Odor Dry Erase Marker Starter Kit (item# 10029818) maximum $26.97 Bonus Reward per member. 100% Bonus Reward on Expo Cleaning Wipes (item# 20711044) maximum $20.97 Bonus Reward per member. 100% Bonus Reward on Parker Jotter Ribbon Retractable Pen (item# 21223141) maximum $12.87 Bonus Reward per member. 100% Bonus Reward on Parker Jotter Retractable Medium-Point Black Ink Fine Writing Pen (item# 21223141) maximum $23.97 Bonus Reward per member. 25% Bonus Reward on select Academic Planners by Mead, At-a-Glance and Day Runner. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.----------------------------------------------- bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.21):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes, membership is required. To join either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. MaxPerks Rewards can be used to purchase most items in-store, online and by phone except they "are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**According to the program's terms, up to three Rewards Cards can be used on a single transaction for in-store and phone purchases. At least the last time I used rewards in-store in the middle of June, the cash register did not prevent using more than three. Online the limit is one Rewards Card (or gift card) per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No. "MaxPerks is open to legal residents of the 50 United States (and D.C., Puerto Rico, and the U.S. Virgin Islands) age eighteen (18) years and older who have internet access to manage their MaxPerks account."**Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? In other words, do rewards "roll"?To date, yes, with one exception. Paying for 100% back in bonus rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June 2010 "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X get $Y in rewards) offer, then using a coupon has not impacted the rewards payout to date.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, buy X get $Y in rewards offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" attached but to date it does not appear that the maximum award amount is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.Please note that the transaction might update in stages.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the offer's terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are made available on the MaxPerks rewards website. The expiration date is not determined by accessing the online rewards account or printing the rewards certificates.
13. Can rewards be used to purchase gift cards?No, not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**"Effective July 28, 2011, Reward Cards are no longer redeemable for purchases of any gift cards OfficeMax sells, including third party gift cards (i.e. restaurant, music, travel, or entertainment gift cards, other merchants gift cards, etc.), general use pre-paid cards (i.e. Visa gift cards, MasterCard gift cards, and American Express gift cards), phone cards, or for OfficeMax brand gift cards."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for the business program members is $25 for every $500 in qualified purchases. The standard reward for the teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. From time to time, these types of offers will also require a coupon code, in addition to your member ID to qualify for the Bonus Reward. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance, unless another timeframe is noted for that specific offer.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Apply coupon code 859938248 at checkout
($30.00 Discount code expires 9/24/11)Warranty: 2-year limited
Model: AM01Original Price: $299.99
Instant Savings: -$100.00
Checkout Price: $199.99
Your Price $199.99
after instant savingsPrices effective through 09/10/2011.http://www.officedepot.com/a/products/761559/Dyson-Air-Multiplie...

Livingsocial.com (like Groupon) has a deal going today for 50% off Guitar Center gift cards. Normally these deals are like a $20 card for $10. But these go up from $15 for $30 GC, to $50 for $100 There is some fine print you need read, like gift card expires mid November. Good online and at a list of B&M stores.
That sort of thing.
If you are interested follow link to livingsocial and look at today's deal for Nashville (doesn't matter where you live). I have bought giftcards from them before for Amazon $20 for $10, and redbox. Livingsocial deals become effective for redemption the next day after purchased (so they know how many, or takes that long to process that many credit cards?).
Hope you save some money.
PS. I usually have my wife also buy one, since they typically limit the buy to 1 per person, but sometimes allow additional purchases as gifts. I mention this in case you want more than one.http://livingsocial.com/deals/100335-30-to-spend-at-guitar-cente...

LinkYou must pay with an Amazon Rewards Visa card.
Enter promo code BTS20OFF at checkout.By far, the best deal on this so far. Credit goes to st0ney71 who reported this on the Amazon 20% thread. I thought it deserved its own. EDIT: Added screen shots of my order confirmation. It split it into two shipments, and I had about $250 in Amazon credit I used but you can see I got the $100 gc and Iconia for ~$313 total.

Bissell 3-in-1 Lightweight Vacuum: Effective, convenient cleaning
Multipurpose
Lightweight: weighs less than 4 lbs
Bagless
Crevice tool included
Easy to empty dirt cup
Model# 38B1 http://www.walmart.com/catalog/product.do?wmlspartner=YKxcQgFZAC...

Chase $125 Bonus expires 10/07/2011Saw this this $125 Bonus til Oct. 7th, 2011. You could also get the $150 Chase coupon from HMB til 9/15/2011. Bonus/Account Information Offer not available to existing Chase checking customers, fiduciary accounts and those who have closed an account within 90 days. Offer valid through 10/7/11. To receive the bonus: 1) open a new qualifying Chase checking account, which is subject to approval; 2) deposit $100 or more within 60 days of account opening; AND 3) have your direct deposit made to this account within 60 days of account opening. Your opening deposit cannot be money held by Chase or its affiliates, nor can the bonus be used as the opening deposit. Your direct deposit needs to be an electronic deposit from your employer or the government of your paycheck, pension or government benefits (such as Social Security). After we receive your first direct deposit, we'll deposit the bonus in your new account within 10 business days. If you open one of our interest-bearing checking accounts, the Annual Percentage Yield (APY) effective as of 8/12/11, is 0.01% for all balances in all states. Interest rates are variable and may change. Fees may reduce earnings on the account. You can only receive one checking account-related bonus per calendar year. If your checking account is closed within six months, we will deduct the bonus amount at closing. Also, if your account is closed within 90 days, an Account Closing Fee of $25 will apply. More methods of getting $125 Chase Coupon taken from HMB:Chase $125 Checking Account Bank Bonus Coupon til 9/30/2011 Nationwide via eB@y, USPS, ATMChase $125 bank bonus is not available online, but there are a few tricks in order to get this nationwide bonus.Option 1) Visit your local U.S Postal Office and ask for a Movers Guide Package. Inside the package, there is a Chase $125 coupon good until 9/30/2011.Option 2) Many people on eB@y are selling the $125 Chase bonus coupon for $1 Or $2. Its well worth it if you dont want to go to the Postal Office.Option 3) Use one of your debit cards from non-Chase bank and withdraw money from a Chases Brick and Mortar bank(Great if your bank refunds your ATM fee). Once you withdraw your cash, Chase will print a bonus coupon in order to entice you to switch bank. Chase $5 Paperless Statement Bonus$5 Paperless Statement Bonus good until ?. Chase.com/gopaperless
Important for all Chase Account Holders:The account now has requirements of either1) DD of $500 or more
2) $1500 in checking
3) $5000 combined between checking, savings, investmentsMore bank bonuses nationwide.

OfficeMax 100% back in MaxPerks rewards on select view binders, mechanical pencils, pens, wet or dry erase markers and correction film 8/14-8/20
100% back in MaxPerks rewards on your purchase of select supplies LINK.
Online and in-store:[IN]PLACE Heavy-Duty View Binders LINK
--- combines with buy 2, get 1 free
--- no purchase/reward limit in terms

OfficeMax Durable View Binders LINK
--- combines with buy 3, get 1 free
--- no purchase/reward limit in termsOnline only:Paper Mate Write Bros. Mechanical Pencils without Grip, 0.5mm or 0.7mm, assorted barrel color, 12-packs (items# 21041855 or 21041864), $3.10, limit 6, maximum $18.60 Bonus Reward per member LINK
--- The two item numbers probably should be 21041855 or 21041846
--- combines with buy 2, get 1 freePaper Mate Write Bros. Stick Ballpoint Pens, black or blue, 60-packs (items# 21747978 or 21747987), $7.99, limit 6, maximum $47.94 Bonus Reward per member LINK
--- combines with buy 2, get 1 freeExpo Vis--Vis Wet-Erase Markers, assorted, 4-pack (item# 10001017), $5.19, limit 3, maximum $15.57 Bonus Reward per member LINKExpo Low Odor Chisel Tip Dry Erase Markers, assorted, 4-pack (item# 10014824), $5.59, limit 3, maximum $16.77 Bonus Reward per member LINKLiquid Paper Recycled DryLine Grip Correction Film (item# 21668198), $6.29, limit 3, maximum $18.87 Bonus Reward per member LINK Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------------------------------? Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from August 14, 2011 thru August 20, 2011. For $70 Bonus Reward on Lexmark Color Inkjet Genesis S815 Wireless All-in-One (item# 22485124) limit 2, maximum $140 Bonus Reward per member; member must bring your old printer along with the packing slip from your new printer to any OfficeMax store, an in-store $50 refund will be issued based on the original form of payment. $20 Bonus Reward on OfficeMax 8.5x11 Multiuse Copy Paper, 10-Ream Case (item# 22525581) limit 2, maximum $40 Bonus Reward per member. 100% Bonus Reward on purchase price of Paper Mate Write Bros. Mechanical Pencils without Grip (items# 21041855 or 21041864), available online only, limit 6, maximum $18.60 Bonus Reward per member; 100% Bonus Reward does not apply to free item. 100% Bonus Reward on purchase price of Paper Mate Write Bros. Stick Ballpoint Pens (items# 21747978 or 21747987) available online only, limit 6, maximum $47.94 Bonus Reward per member; 100% Bonus Reward does not apply to free item. 100% Bonus Reward on purchase price of [IN]PLACE Heavy-Duty View Binders; 100% Bonus Reward does not apply to free item. 100% Bonus Reward on purchase price of OfficeMax Durable View Binders; 100% Bonus Reward does not apply to free item. 100% Bonus Reward on Liquid Paper Recycled DryLine Grip Correction Film (item# 21668198) available online only, limit 3, maximum $18.87 Bonus Reward per member. 100% Bonus Reward on Expo Vis--Vis Wet-Erase Markers, assorted, 4-pack (item# 10001017) available online only, limit 3, maximum $15.57 Bonus Reward per member. 100% Bonus Reward on Expo Low Odor Chisel Tip Dry Erase Markers, assorted, 4-pack (item# 10014824) available online only, limit 3, maximum $16.77 Bonus Reward per member. 25% Bonus Reward on select Blue Sky academic calendars and planners. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details. -----------------------------------------------
bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.08.14):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date. "Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**In-store up to three Rewards Cards can be used on a single transaction. Online the limit is one Rewards Card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?Some offers have a "maximum reward amount" but to date it does not appear that it is being enforced.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued.
13. Can rewards be used to purchase gift cards?Not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third pary prepaid cards. It has been reported that the cash registers are no longer allowing such a sale."Reward Cards are not redeemable for gift cards, general use pre-paid cards, phone cards and are not redeemable for cash unless otherwise required by law."**
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For standard reward for teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

after my house closed, agent handed me his file folder on the house, i found one of them is the "Wood Pest Addendum" the seller had signed but the agent had never shown me in it seller agrees to 1) pay for pest inspection and 2) perform "Section 1" repair, although in the counter offer seller amends with a clause "delete pest contingency and buyer pays for pest inspection"my agent (also seller's agent ) is saying by virtue of the seller deleting the pest contingency and not paying for pest inspection effectively voiding the entire "Wood Pest Addendum" signed in the first place, my argument is that seller deleting pest contingency only means there was no more pest contingency, also although i was paying for pest inspection, does not invalidate seller's duty to perform "Section 1" repairin other words, seller later deletes pest contingency and not paying for pest inspection, but nowhere in other addendums did he explicitly cancel the "Section 1" repair he agrees to in the "Wood Pest Addendum", therefore the repair clause is still valid  is my reasoning correct ?
if i am correct, is it too late to ask seller to perform contractual obligation (perform pest repair) after the house closed already ?
seller mostly likely will refuse, can I go after the agent for his error (not showing me the signed pest addendum) ?  thank you

I'm refinancing a VA loan through Navy Fed right now -- they started this deal earlier in the week for a $2,500 credit towards closing costs. They have very competitive rates.Limited-time offer effective August 10, 2011 is available for all first mortgage purchase and refinance loans except HomePath. Member cannot receive Cash Back from this offer. Certain restrictions may apply. Ask for your loan officer for detailshttps://www.navyfederal.org/membership-benefits/offers-discounts/closing-cost-offer.php

First National Bank of Omaha will have a new fee structure effective Aug 17. If you failed to read your notices, you need to open them and read them. When I called the bank about something else, there was a choice to discuss the effect of the changes.I will probably drop my line of credit which has been annual fee free. Effective the anniversary date (October 1 for us), the bank will charge $50.00 annual fee for lines of credit.

OfficeMax MaxPerks members: purchase $40 in select supplies, receive $20 Visa Gift Card 8/07-8/14
Purchase $40 in select supplies in a single transaction, receive $20 Visa Gift Card -- limit three $20 gift cards per member -- valid in-store, online and/or via phone order LINK.
Participating products pageLINK"Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing." Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------------------------------TERMS:♦Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from August 7, 2011 thru August 13, 2011. $25 Bonus Reward on Boise X-9, 8.5x11 Multiuse Paper, 10-Ream Case (item# 214031252) limit 2, maximum $50 bonus reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. Bonus Reward offer on printers valid in select stores, online, and/or via phone order, unless otherwise indicated; all other Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.♦♦Visa gift card offer is available for $40 purchases of select writing supplies, limit 3 gift cards per member. All Visa gift card offers are available from August 7, 2011 thru August 13, 2011. A MaxPerks ID must be presented at time of purchase for existing members or new member sign-ups. Offer valid in-store, online and/or via phone order. No MaxPerks adjustments will be made after time of purchase. Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.07.29):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date and one stated limitation on what can be purchased with the Rewards Cards. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three Rewards Cards can be used on a single transaction. Online the limit is one Rewards Card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued.
13. Can rewards be used to purchase gift cards?Not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third party prepaid cards. It has been reported that the cash registers are no longer allowing such a sale. The program's terms and conditions have yet to be updated to reflect this change.Please ignore next bit:According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For standard reward for teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Today I got a mailer offering 50% bonus AA miles on purchases for my Citi Mastercard AAdvantage CC. It does seem targeted as a month or two ago I got a different mailer with a 25% bonus offer for my Citi AA AMEX CC.I was about to toss the mailer but good thing I glanced at it before I tossed it.1.5 miles per $ is a pretty sweet deal and I might start putting charges on this card again. The bonus is effective until 11/30/11.

So, I have been sick for about 2 weeks - started with strep throat and fever and has ended up with a cough which does not seem to go away.
I was in touch with my regular doctor via email, so did not bother going in. Yesterday, however he emailed me to get seen and set me up with someone else since he was on vacation.Appointment for 3pm, I was in the doctor's room by 3:05 - doctor never showed up till 3:55pm, so I just walked out. Had to since I was missing work since 2:15 just to get to the doctor's office.
End result: wasted 2 hours of my time and ended up picking a OTC medicine which is hopefully having some effect as I write.
I am with Kaiser (Nor Cal) - never had this problem with my regular doctor - in fact, every single previous visits, I was back in my car within 20-25 mins of my scheduled appointment time.What is the most effective way to deal with such a situation? At the least I intend to complain against the doctor in question - any ideas where to start for Kaiser? Running at least an hour late and not calling up patients to let them know and not even letting the receptionist know is not acceptable.And since this question is in a fatwallet forum, any chances of making some money for missed appointment? And if yes, how ?Thanks
smakur

LAS VEGAS--Researchers at the Black Hat security conference today revealed two ways the Square payment system, which turns any iPhone, iPad or Android into a point-of-sale credit card processor, could be used for fraud.
Adam Laurie and Zac Franken, directors of Aperture Labs, discovered that they can transfer money from a stolen card into their bank account associated with Square without having to swipe a card through the Square dongle card reader. To do this, they used code written by Laurie that lets them feed magnetic stripe data from a stolen card into a microphone and convert it into a sound file. They then played that file--a series of beeps--into the Square device via a stereo cable which transmitted the data directly into the Square app.
That effectively turns a merchant system that is designed to only accept physical cards for transactions into one that can be used for electronic-only transactions, enabling fraudsters to easily use stolen card data for transactions without having to create cloned cards and go to a store to make purchases or know PINs.
Laurie said he skimmed a credit card himself using a normal skimming device for his test, but he could have acquired stolen credit card data that is available in bulk on underground marketplaces on the Internet. The pair demonstrated the attack in a news conference.
The researchers said they also discovered that the Square dongle can be used to skim data from cards in order to make cloned cards because the devices do not use encryption or authentication. The magnetic stripe card data can be grabbed by plugging the Square dongle into the audio input in the mobile device and Laurie's special code converts the audio into the human readable credit card data.
"The dongle is a skimmer. It turns any iPhone into a skimmer," Laurie said. To clone a card, "now you need less technical hardware to do it and no technical skills at all."Zac Franken, left, and Adam Laurie, both directors at Aperture Labs, discovered that the Square system for processing credit cards on mobile devices was easy to hack.
(Credit: Seth Rosenblatt/CNET)
There are plenty of skimming machines available for purchase online, but they are specialized. "This lowers the bar" by giving anyone with a mobile device and a Square dongle the ability to skim a card while pretending to perform a legitimate transaction, Laurie said, adding that "This really takes the hassle out of" skimming.
In their demonstration, which they repeated during a session, the researchers swiped a Visa gift card through a Square dongle to put money into their account, illustrating the ability to use the Square system to effectively cash out gift cards.
"You don't need a card or a dongle to do this hack," Laurie said.
Franken said he had heard that Square was preparing to issue new dongles that encrypt the data. Square representatives did not immediately respond to an e-mail seeking comment. A Square employee who was in the session said he was not authorized to comment.
Laurie said the researchers figured these fraud methods out in February and report them to representatives at Square. But Square didn't see it as a significant threat, saying that there are easier ways to commit credit card fraud and that they can detect fraud through traffic analysis and other methods, Laurie said.
However, the threat is significantly mitigated by federal anti-fraud bank regulations in the U.S. that make it difficult for fraudsters to set up dummy accounts. Laurie said the way around that would be to pay people to use their own accounts to link to the Square system and then transfer the money to the fraudsters, much like money mules are used to get stolen funds to overseas criminals in "work from home" and other online fraud schemes.
The researchers, who are based in the United Kingdom, needed to have a U.S. bank account to test the system.
http://news.cnet.com/8301-27080_3-20088441-245/researchers-find-...

Hey everyone, this is my first post. I finally get to contribute back after all the good deals I've been able to take advantage of thanks to Fatwallet I was shopping for some grass shears, and at WalMart.com I found the Sun Joe - Hedger Joe Cordless Grass Shear/Shrubber Model# HJ602C) on Rollback for $21.22 with free Site to Store shipping. It's was originally $39.99, and even with shipping (depending on where you live of course) it was cheaper than the going price of $29.99 No tax + Free shipping at Amazon.com. I searched fatwallet, and it turns out someone posted a deal on this same item in july, which was going for $21 at Amazon.com. As the op from july stated, it has good reviews, and it may have a small blade compared to others but some people like me will find it useful, and a bargain at this price.Here's the item description as displayed at WalMart.com:The Hedger Joe Grass Shear/Shrubber is two effective tools in one. It features a shrubber blade and a grass shear blade, along with an ergonomic carry handle.
5'' grass shrubber blade
3.31'' grass shear blade
Ergonomic carry handle
Instant start
Safety switch
Battery charging indicator light
Model# HJ602C

As if the ~0% interest being offered for savers, now Bank of NY Mellon is going to charge savers to hold their money!Thanks Oooobama and Congress and Berneke!"BNY Mellon imposes fee on rapidly growing deposits
By Richard Leong and Emily Flitter
ReutersBank of New York Mellon Corp said it is being overwhelmed with deposits... and said it will begin charging for above-average deposits.The bank said this week it is unable to invest the "sudden significant" deposit increases because of their "transient nature," but it is concerned the deposits will weaken its capital ratios and raise its deposit insurance premiums.If customers' balances are more than 10 percent above their averages in June, BNY Mellon said it will ... charge the fee.It cited the U.S. debt ceiling debate ... as having spurred clients to deposit more cash.The charge amounts to an annual rate of 0.13 percentage point, with adjustments if one-month T-bill rates fall below zero.The bank urged clients to reduce their deposit balances...BNY Mellon said the fee is effective as of August 8 and will be calculated monthly."

Description:
$7.50 for a $14.99 New NRA Licensed GUN CARE SYSTEM's 3-Step Cleaning and Lubricating Kit (Shipped Directly From MIL-COMM ).
Deal Overview
NEW! The NRA Licensed GUN CARE SYSTEM's 3-Step cleaning and lubricating kit brings you extreme performance, U.S. Military-tested and deployed products: TW25B Synthetic Gun Grease; MC2500 Synthetic Gun Oil and MC25 Detergent/Enzymatic Gun Cleaner-Degreaser. Clean, lubricate and protect with these superior products.
http://www.gearhog.com/
The choice of U.S. Special Forces, Federal Law Enforcement, SIG SAUER, serious hunters and target shooters worldwide.
- Optimizes firearms performance
- Effective in all climates
- Reliable at -90 F to +450 F
- Inhibits rust and corrosion
- Repels sand, dirt and debris
- Minimizes carbon residue
- Easy, wipe-off cleaning
- All-synthetic, non-hazardous
- More shooting, less cleaning- www.nraguncare.com
- 1-877-NRA-GUN-1Expires 08/15/2011.
Not valid with other offers
Limit 2 per person
$4.95 additional shipping charge
No additional shipping charge for a second kit
U.S. shipping only
Product will be shipped within 7 business days
Thanks Mark

Just an FYI for those FWFers in graduate school or considering graduate school, the debt ceiling "deal" included a provision that will effectively* shut down subsidized Stafford graduate student loans as of July 2012. I think the general (and correct) FWF consensus is that its only a good idea to go to graduate school where you get paid to do so via teaching and research assistant positions.However, there has always been a few exceptions to that - mainly top JD/MD/MBA programs where the very high cost was matched with an almost certain high salary. This is going to add a notable level of expense for many in that position, as well as end the "deal" of using subsidized Stafford loan money much like 0% AOR money. *The bill excludes state mandated teacher certification programs, but I think its agreed most people would be crazy to take out loans for that.

http://home.dailysteals.com/Product Features:
Kills 99.99% of bacteria, viruses, fungi, mold and dust mites
Works on household surfaces, bedding and clothing
Uses same UV technology used to sanitize work spaces and tools for laboratories and medical facilities
Highly effective method of destroying harmful micro-organisms such as E. Coli, Staphylococcus and Salmonella; also for odor-causing bacteria and the germs that cause the flu and common cold
For home, business and travel usage
Runs on 4 AA batteries (included)
4W DC lamp
Convenient size to carry alongWhat You Get:
Cleanse Light Portable Ultraviolet CleanserNew Retail Packaging
1 Year Warranty

OfficeMax.com 100% back in MaxPerks rewards on PaperMate Flair pens and Sharpie pens (red - only 200 available) 7/31-8/06
100% back in MaxPerks rewards on your purchase of select supplies link.
Paper Mate Flair Point-Guard Porous Point Pens, 12-pack, purple (item# 20449007) limit 3 per item, maximum $44.97 bonus rewards per member. LINKPaper Mate Flair Point-Guard Porous Point Pens, 12-pack, red (item# 10000125), limit 3 per item, maximum $44.97 bonus rewards per member.LINKSharpie Medium Point Stick Pens, red, 12-pack (item# 22353007) available while supplies last, available online only, limit 1, maximum $20.49 Bonus Reward per member. LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------------------------------TERMS:♦Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from July 31, 2011 thru August 6, 2011. 100% Bonus Reward on Paper Mate Flair Point-Guard Porous Point Pens, 12-pack, purple (item# 20449007) limit 3 per item, maximum $44.97 bonus rewards per member. 100% Bonus Reward on Paper Mate Flair Point-Guard Porous Point Pens, 12-pack, red (item# 10000125), limit 3 per item, maximum $44.97 bonus rewards per member. 100% Bonus Reward on Sharpie Medium Point Stick Pens, red, 12-pack (item# 22353007) available while supplies last, available online only, limit 1, maximum $20.49 Bonus Reward per member. Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in-store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2011.07.29):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com.
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit with an expiration date and one stated limitation on what can be purchased with the Rewards Cards. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three Rewards Cards can be used on a single transaction. Online the limit is one Rewards Card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.Otherwise, for 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued.
13. Can rewards be used to purchase gift cards?Not any more. Apparently OfficeMax's corporate office sent out an email stating that effective 7/28/2011, MaxPerks rewards certificates can no longer be used to purchase third party gift and third party prepaid cards. It has been reported that the cash registers are no longer allowing such a sale. The program's terms and conditions have yet to be updated to reflect this change.Please ignore next bit:According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For standard reward for teacher program members is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Going down, down, down....Was 3.5% & 1.0%The following is a summary of changes that are being made to your account. The effective date of these changes is August 1st, 2011. There is no action required on your part for this change.As of August 1st, 2011, you will earn 2.51%APY*on your Kasasa Cash or Saver checking account for balances up to $10,000 when qualifications are met. All balances over $10,000 will earn 0.51% APY when qualifications are met. Even if you don't meet all of the qualifications one month, all balances will still earn 0.05% APY.

===================================
MAJOR UPDATE ALERT 07-22-2011
Verizon Wireless website now offering Buy 1 Get 1 on Droid 3 and Droid X2 for their back2School Promo.
NEW THREAD LINK HERE=========
UPDATE: 07-24-2011
LetstaIk drops their new subscriber price to 50$ [lowest Ive seen]=========UPDATE: 07-21-2011
LetsTalk dropped new Primary acct signups to $60
-Renew Contract of Addons to 170$
-New Addon Lines to $120
-ReNew Contract of Primary to $130
=========
UPDATE: 07-19-2011
LetsTalk bumped up their price to $80 / $150 after spending 1 whole day actually being instock. this effectively eliminates LetsTalk as the best deal.
==========D3 released in Retail Markets on 7/14, most were going for 150$ w 2yr Contract.LETSTALKtoday has it for $69.99 w Primary Line 2Yr Contract.
...and $129.99 w Add-on Lines.
Now IN STOCK
It's an amazing price for Primary Lines or anyone switching to VZW
(be aware of the new Data Plans if you're not already grandfathered in on unlimited before July7)in comparison..:
VerizonWireless has it for 150$ for me @ contract Renewal, some are still only getting 199$. be sure to log in first.
Amazon has it for 150$ w contract renewal. [edit] as reported below in comments, Amazon now has it for 70$ Primary / $130 2ndary / $150 Contract Renewal
Wirefly has it for 150$ w contract renewal. There's a coupon code for a free 4GBMicroSD from TechBargains Weblink Code: TBMC [edit] I searched up the Model #No, it's a class6 microSD that sells for 10$ shipped on Newegg.Im personally waiting for the 100$ pricepoint for Addon Lines.
If you guys have any better prices, please let us know~!!
Any more tested and working coupon codes, please let us know in Quick Summary.appreciate the fdbk everyone

Effective July 22, 2011, the US Mint has discontinued accepting
credit cards for payment.
http://catalog.usmint.gov/webapp/wcs/stores/servlet/CategoryDisp...There is also a thread discussing the change in policy here.
http://www.fullofdeals.com/forums/finance/1113438/If you still need Dollar Coins, most banks still sell rolls at face value.===============Currently, you can order either $250 or $500 in John Quincy Adams Dollar Coins from the US Mint at FACE VALUE, with FREE SHIPPING AND HANDLING and pay with any major credit card.The purpose of this is to help promote circulation of these dollar coins as there is an unwillingness of many banks to provide them to business customers free of charge.As a coin collector, I had a tough time writing the title for this thread. I didn't want to state the obvious benefit of this deal, but I know that it's the only reason why it would appeal the FW Finance Crowd. If someone really needs it to be said, someone else can explain it down below. Personally, I posted because I hope some of you actually spend some rather than taking them straight to the bank.
Note: You must choose standard shipping during the order process and the shipping charge will revert to $0.00 at the final confirmation screen before your order is submitted.Thanks uutxx and workindev for fixing the link, I updated mine also.==Deal is alive again.====Update 08/11/2008

Deal is alive againYou can order up to $500 of each president. Currently there are four available.Credit goes to CPLDBAKKE for pointing it out.====Update 02/19/2009Just read the Quicksummary, you guys are doing an awesome job of updating it. Not sure why all the newbies keep asking questions that are clearly answered there.Keep up the good work.

http://www.facebook.com/SmoothieKing#!/SmoothieKingIn addition there is a coupon to purchase a Lean 1 Smoothie for $1.99 good through 8/12/2011.Smoothie King, the 1973 creator of the nutritional smoothie, in partnership with Nutrition53, unveils its new smoothie designed specifically to help lose fat, curb hunger and tone muscle, with the debut of its new Lean1 Smoothie. Created to satisfy the increasing demand for accessible, weight loss solutions, the nutritious Lean1 Smoothie is formulated with Nutrition53′s Lean1 weight loss formula and combines powerful nutrients to help Smoothie King fans get lean and stay lean with the convenience of a healthy meal replacement smoothie.Launching across all stores by July 26th Lean1 is supported by Smoothie Kings new Lean On Us For Lunch campaign. In partnership with ExerciseTV, the company will deliver free lunch time fitness content through their Facebook page. Smoothie King will offer 20 oz. Lean1 smoothies for $1 on July 27, which fans can obtain by visiting the website at www.smoothieking.com/leanonus. Additional coupons as well as tips from Exercise TV will be offered throughout the campaign.Delivering 20-30 grams of premium protein that boosts energy levels at all times of the day, Smoothie Kings Lean1 Smoothie helps burn body fat up to 68% faster, tone and define lean muscle, speed recovery from workouts and achieve and maintain a healthy, fit body. Lean1 Smoothies are available in 3 flavors Vanilla, Chocolate and Strawberry and are 100% lactose free, contain Omega-3 fatty acids, 17 fruits and vegetables, 3 grams of fiber, specialized herbal extracts that effectively suppress appetite and heart healthy phytosterols in every serving, making them a perfect meal replacement or snack at under 300 calories. Smoothie King has partnered with Exercise TV the leading digital fitness network and premiere online destination for health and fitness, available in 43 million digital television homes for the launch of the Lean1 Smoothie and Lean On Us For Lunch campaign. Featuring mini workouts and fitness tips from top trainers, this is a one-two punch to knock out pounds and get lean. Catering to individuals with a limited amount of time to squeeze in a workout, this partnership will motivate people to utilize their lunch hour to obtain their weight loss goals. People are constantly looking for healthy, accessible ways to lose weight or simply get in shape, said Cindy Kuhnau, co-founder and senior executive vice president of Smoothie King. We wanted to offer our customers a nutritious product and the tools that will help them achieve their goals. Lean1 is a delicious option, and through the partnership with ExerciseTV, we hope to provide a program that can be easily incorporated into the busy, active lifestyles of our fans.

OfficeMax.com 100% back in MaxPerks rewards on supertab folders, color index cards, $0.01 AR ream paper 7/24-7/30
NOTE: For those looking for the 100% back in rewards on backpacks deal, please see the thread: OfficeMax 100% back in MaxPerks rewards on backpacks 7/24-7/30
100% back in MaxPerks rewards on your purchase of select supplies link. See attached until OfficeMax.com updates.
100% Bonus Reward on Smead SuperTab Folders, assorted or manila, letter size, 100 per box (item # 21511730, 21670336, 21511703), limit 3 per sku, available online only, maximum $74.97 bonus rewards per member (on item# 21511730); maximum $74.97 bonus rewards per member (on item# 21670336); maximum $38.97 bonus rewards per member (on item# 21511703)
--- lake blue, camel, moss, lavender and pink, 100pk [21511730] $24.99 LINK
--- red, blue, green and yellow, 100pk [21670336] $24.99 LINK
--- manilla [21511703] $12.99 LINK
+++ online only
+++ REBATE: purchase 2 boxes of Smead SuperTab Folders, receive $10 Starbucks Coffee Gift Card, rebate limit 2 per person LINK
100% Bonus Reward on SJ Paper Color index cards, ruled, 250 per box (item# 21160565, 21117131, 2117122), limit 3 per sku, available online only, maximum $11.07 bonus reward per member (on item# 21160565); maximum $28.17 bonus reward per member (on item# 2117131); maximum $19.77 bonus reward per member (on item# 21117122).LINK
--- 3x5 [21160565] $3.69
--- 4x6 [21117122] $6.59
--- 5x8 [21117131] $9.39
+++ online only
$6.98 Bonus Reward on OfficeMax Multipurpose Paper, 8.5x11, 500-Sheet Ream (item# 20157465) $6.99, limit 2, maximum $13.96 bonus rewards per member.LINK
+++ The online price, at least for some, is $7.49 making this $0.51 after rewards, not $0.01 after rewards.
+++ The OfficeMax Multipurpose Paper offer is valid online, via phone and in-store.
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
-----------------------------------------------TERMS:?Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from July 24, 2011 thru July 30, 2011. 100% Bonus Reward on backpacks, messengers and select totes, limit 2 bonus rewards per member. $20 Bonus Reward on Boise X-9 Multiuse Paper, 8.5x11, 10-Ream Case (item# 21756663), limit 2, maximum $40 bonus rewards per member. $6.98 Bonus Reward on OfficeMax Multipurpose Paper, 8.5x11, 500-Sheet Ream (item# 20157465) limit 2, maximum $13.96 bonus rewards per member. 100% Bonus Reward on Smead SuperTab Folders, assorted or manila, letter size, 100 per box (item # 21511730, 21670336, 21511703), limit 3 per sku, available online only, maximum $74.97 bonus rewards per member (on item# 21511730); maximum $74.97 bonus rewards per member (on item# 21670336); maximum $38.97 bonus rewards per member (on item# 21511703). 100% Bonus Reward on SJ Paper Color index cards, ruled, 250 per box (item# 21160565, 21117131, 2117122), limit 3 per sku, available online only, maximum $11.07 bonus reward per member (on item# 21160565); maximum $28.17 bonus reward per member (on item# 2117131); maximum $19.77 bonus reward per member (on item# 21117122). Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for backpacks messengers and totes will be available in a members account in September, 2011; Bonus Rewards on backpacks, messengers and totes for MaxPerks Rewards for Teachers members will be available in October, 2011. All other Bonus Rewards for remaining offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2010.12.31):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three rewards cards can be used on a single transaction. Online the limit is one rewards card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.For 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued
13. Can rewards be used to purchase gift cards?According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For teacher program members, the standard reward is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

OfficeMax.com 100% back in MaxPerks rewards on supertab folders, color index cards, $0.01 AR ream paper 7/24-7/30
100% back in MaxPerks rewards on your purchase of select supplies link. See attached until OfficeMax.com updates.
100% Bonus Reward on Smead SuperTab Folders, assorted or manila, letter size, 100 per box (item # 21511730, 21670336, 21511703), limit 3 per sku, available online only, maximum $74.97 bonus rewards per member (on item# 21511730); maximum $74.97 bonus rewards per member (on item# 21670336); maximum $38.97 bonus rewards per member (on item# 21511703)
--- lake blue, camel, moss, lavender and pink, 100pk [21511730] $24.99 LINK
--- red, blue, green and yellow, 100pk [21670336] $24.99 LINK
--- manilla [21511703] $12.99 LINK
100% Bonus Reward on SJ Paper Color index cards, ruled, 250 per box (item# 21160565, 21117131, 2117122), limit 3 per sku, available online only, maximum $11.07 bonus reward per member (on item# 21160565); maximum $28.17 bonus reward per member (on item# 2117131); maximum $19.77 bonus reward per member (on item# 21117122).LINK
--- 3x5 [21160565] $3.69
--- 4x6 [21117122] $6.59
--- 5x8 [21117131] $9.39
$6.98 Bonus Reward on OfficeMax Multipurpose Paper, 8.5x11, 500-Sheet Ream (item# 20157465) $6.99, limit 2, maximum $13.96 bonus rewards per member.LINK
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
Ream of Hammermill paper $1 after rewards:
-----------------------------------------------TERMS:♦Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from July 24, 2011 thru July 30, 2011. 100% Bonus Reward on backpacks, messengers and select totes, limit 2 bonus rewards per member. $20 Bonus Reward on Boise X-9 Multiuse Paper, 8.5x11, 10-Ream Case (item# 21756663), limit 2, maximum $40 bonus rewards per member. $6.98 Bonus Reward on OfficeMax Multipurpose Paper, 8.5x11, 500-Sheet Ream (item# 20157465) limit 2, maximum $13.96 bonus rewards per member. 100% Bonus Reward on Smead SuperTab Folders, assorted or manila, letter size, 100 per box (item # 21511730, 21670336, 21511703), limit 3 per sku, available online only, maximum $74.97 bonus rewards per member (on item# 21511730); maximum $74.97 bonus rewards per member (on item# 21670336); maximum $38.97 bonus rewards per member (on item# 21511703). 100% Bonus Reward on SJ Paper Color index cards, ruled, 250 per box (item# 21160565, 21117131, 2117122), limit 3 per sku, available online only, maximum $11.07 bonus reward per member (on item# 21160565); maximum $28.17 bonus reward per member (on item# 2117131); maximum $19.77 bonus reward per member (on item# 21117122). Member's MaxPerks ID card must be presented at time of purchase; no Bonus Reward adjustments will be made after purchase. All Bonus Reward offers valid in store, online and/or via phone order, unless otherwise indicated. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for backpacks messengers and totes will be available in a members account in September, 2011; Bonus Rewards on backpacks, messengers and totes for MaxPerks Rewards for Teachers members will be available in October, 2011. All other Bonus Rewards for remaining offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases at OfficeMax. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. See OfficeMax.com/bonusrewards for full details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2010.12.31):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three rewards cards can be used on a single transaction. Online the limit is one rewards card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.For 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued
13. Can rewards be used to purchase gift cards?According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For teacher program members, the standard reward is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

http://www.pr88gamp.com/order.htmlpr88 is not a hand cleaner or detergent.
pr88 is a water soluble barrier cream, with a glycerin base, which when applied before work, gives effective protection against a wide variety of greases, oils, varnishes, paints, adhesives, fiberglass, tar, dyes, resins, inks, graphite, epoxies, gasoline, most solvents, etc. Can only be washed off with water
check sample box on form

ZOTAC ZT-40408-10P GeForce GTX 460 (Fermi) 1GB 256-bit GDDR5 PCI Express 2.0 x16 HDCP Ready SLI Support Video Card
LinkRating: 5 Eggs$154.99
-$40 Rebate
= $115
ModelBrand
ZOTACModel
ZT-40408-10PInterfaceInterface
PCI Express 2.0 x16ChipsetChipset Manufacturer
NVIDIAGPU
GeForce GTX 460 (Fermi)Core Clock
720MHzShader Clock
1440MHzStream Processors
336 Processor CoresMemoryEffective Memory Clock
3600MHzMemory Size
1GBMemory Interface
256-bitMemory Type
GDDR5

I think it cost-effective,you can have a look
linkfrom website:
Appearance Color: White
Rack: 0Rack
Digital Display: Yes
Type: Counter Top
Specification Watts: 1000W
Cooking Technology: Traditional
Child Lockout: Yes
Capacity: 1.1cu.ft.
Product Details Product Dimensions: (L)21.2 x (W)15.8 x (H)11.8 Inches
Shipping Weight: 39.02 Pounds
Item Net Weight: 35.27 Pounds

http://www.pr88gamp.com/order.htmlpr88 is not a hand cleaner or detergent.
pr88 is a water soluble barrier cream, with a glycerin base, which when applied before work, gives effective protection against a wide variety of greases, oils, varnishes, paints, adhesives, fiberglass, tar, dyes, resins, inks, graphite, epoxies, gasoline, most solvents, etc. Can only be washed off with water
check sample box on form

$449 for Lenovo ThinkPad Edge E420 (1141-A24) Laptop Computer With 14" LED-Backlit Screen & Intel Core i5-2410M With Turbo Boost 2.0 for students after $100 Visa GC.Available in stores only with limited quantities. Terrific deal for a 2nd generation i5 processor. Prices effective through 7/23/11.http://www.officedepot.com/a/products/780678/Lenovo-ThinkPad-Edg...Visit Fatwallet.com for more Lenovo coupons and cash back shopping!

=========
UPDATE: 07-21-2011
LetsTalk dropped new Primary acc0
-Renew Contract of Addons to 170$ounts signups to $59.99 [Lowest Ive seen]
-New Addon Lines to $120
-ReNew Contract of Primary to $13
=========
UPDATE: 07-19-2011
LetsTalk bumped up their price to $80 / $150 after spending 1 whole day actually being instock. this effectively eliminates LetsTalk as the best deal.
==========D3 released in Retail Markets on 7/14, most were going for 150$ w 2yr Contract.LETSTALKtoday has it for $69.99 w Primary Line 2Yr Contract.
...and $129.99 w Add-on Lines.
Now IN STOCK
It's an amazing price for Primary Lines or anyone switching to VZW
(be aware of the new Data Plans if you're not already grandfathered in on unlimited before July7)in comparison..:
VerizonWireless has it for 150$ for me @ contract Renewal, some are still only getting 199$. be sure to log in first.
Amazon has it for 150$ w contract renewal. [edit] as reported below in comments, Amazon now has it for 70$ Primary / $130 2ndary / $150 Contract Renewal
Wirefly has it for 150$ w contract renewal. There's a coupon code for a free 4GBMicroSD from TechBargains Weblink Code: TBMC [edit] I searched up the Model #No, it's a class6 microSD that sells for 10$ shipped on Newegg.Im personally waiting for the 100$ pricepoint for Addon Lines.
If you guys have any better prices, please let us know~!!
Any more tested and working coupon codes, please let us know in Quick Summary.appreciate the fdbk everyone

Go here for the deal: Chicago Shopping
1. You can register through Facebook
2. You can "Add to Cart" multiple restaurants for $3 each (value $25 each)
3. On purchase confirmation screen, you have the option of sharing on facebook or twitter to get 200 WOWPoints instantly($2 value)
4. With your purchase you also get 10x WOWPoints; so on $3 purchase you get 30 WOWPoints ($0.3 value)
5. So when you buy one restaurant gift certificate for $3 ($25 value) you get 230 WOWPoints (value $2.3) making you purchase $0.7 effectively.

Excludes items in the "Outlet" department and fragrances. Excludes brands 1TWO, 80 Grand, Beats by Dre, Black Copium, Blockstar, Bobby Fresh, Capital, Circle of Success, Cloud Kicker Original, Convertible Bertt, DRJ Leather Shoppe, DRJ Sunglasses Shoppe, Ducobi, Entree, Exact Science, Feltics, Freshnes, Grand Forte, JED, K & C Leather, Kallusive, Kweenz Destroy, Levi's, Meister Watchers, Mixerfriendly, newKon, Nike, Orakel Dynasty, Pros & Cons, Rich Kids Club, Streetwise, Sunskript, Temple Effectives, The Freshnes, the north face, Timberland and To Die For. Offer may not be combined with other offers. Discounts on shipping & handling are not applicable.Coupon code: 50SUMMER, Exp: 07/20/11
(50% off)
DrJays.com

I have received changes in Funds Availability Policy from a couple of banks in recent months and have not bothered much as those were one-time deals accounts anyway. But today received the same from my credit union stating: "Currently we make fund availabe to you on the busines day that we receive your deposit for cash, wire transfers and electronic deposits. Effective July 21, first $200 will be available the following business day and the rest second business day after the business day of the deposit"This portends evil, or does it ? Bad omen on the future of new fees structure ? I often have "back to back" deposit and bill pays that come in and go out the same day, and work flawlessly. Looks like this will need to change and likely failures on any misstep in calculating. Anyone else see this as an issue ? I am curious what is the driving power especially with my credit union involvewd in these practices, as usually they have been saner and resopnsive to customer needs. Just sign of the bad times ahead or a specific law having intended effect ?Any thoughts whether this is an isolated incident or a trend ?

linkedGE Power Pro X500-BK 16 MP with 15 x Optical Zoom Digital Camera, BlackPrice: $128.54 & this item ships for FREE with Super Saver Shipping 16 MP Digital Camera with 15X Optical Zoom
2.7 Inch auto LCD screen
Built-in 14MB internal memory with SD/SDHC support up to 16GB
Optical image stabilization, face auto exposure, auto scene, and 3200 ISO
--------------------------------------------------------------------------------Product Description
Color: Black
From the Manufacturer
If you want it all, you'll want one of the GE Pro series of bridge cameras. The new X500 is as powerful as it is easy to use. All the latest digital camera technology is seamlessly built in to reflect your own powerful sense of style and capture those priceless memories that define our lives. Get closer to the action and take photos like a pro with the X500 from GE's Pro line of digital cameras. 16 Megapixels with 15x Optical Zoom
The X500's 16 MP lens means your images will be alive with detail, capturing every nuance. A 15x optical zoom (combined with a 6x digital zoom) lets you get close to the action without needing to get right in the middle of it. A vivid 2.7-inch LCD screen with Auto Adjust Brightness lets you frame every shot with ease, letting you see exactly what you're getting with each click.
As powerful as it is easy to use
All the latest digital camera technology is seamlessly built inElectronic View Finder
In addition to the 2.7-inch LCD screen, the X500 has an electronic view finder for more accurate shots in real time and better scene composition.Shoot Video with Ease
Capture all of your videos with ease. The X500 takes MPEG-4 videos in .MOV format with G.711 monaural audio for simple, one-touch recording of those special moments. And they're easy to share using a USB connection or SD card reader.High Dynamic Range (HDR) Adjustment
An in-camera HDR feature adjusts exposure for more detail in light and dark scenes. Get the right balance of detail no matter the lighting conditions. A 3200 ISO improves pictures in low lighting condition for optimal exposure.Optical Image Stabilization with Auto Scene
Correct unintentional camera movements with automatic image stabilization, giving you crisp, clear photos. The Auto Scene feature automatically selects and sets the correct scene type for the sharpest, most vibrant pictures possible.Face Auto Exposure and Smile Detection
Face Auto Exposure enhances facial features detected by the camera for true subject highlighting, making your friends and family jump out of your photos. Smile Detection lets you capture the right moment by allowing the shutter to automatically release when the subjects smile appears.Automatic Brightness Adjustment
An in-camera auto-brightness feature adjusts the camera's LCD viewing screen for more detail in light and dark scenes. Get the right balance of detail no matter the lighting conditions.AA Batteries
Convenient, easy and no-hassle AA batteries keep you on the go. Get 300 shots from regular AA alkaline batteries, or up to 500 shots from AA NiMH batteries.What's in the Box
GE X500 digital camera, 4xAA alkaline batteries, USB cable, shoulder strap, CD-ROM, manual, Quick Start Guide, Feature Guides, warranty card.Technical Specifications
Effective Image Sensor Pixels: 16 Megapixel
Anti-Shake: Optical Image Stabilization
Zoom: 15x Optical, 6x Digital
ISO Sensitivity: Auto, ISO 80 / 100 / 200 / 400 / 800 / 1600/ 3200
Recording: 640480 pixels: 30 fps / 15 fps, 320240 pixels: 30 fps / 15 fps
Still Image: 16MP: 46083456, (16:9) 12MP: 46402608, 8MP: 32642448, 5MP: 25921944, 3MP: 20481536, 0.3MP: 640480
Image Compression: Best, Fine, Normal
Movie Format: MPEG-4 AVC/H.264(MOV)
Audio Format: G.711 Monaural
Still Image Format: Exif 2.2 (JPEG)
Detection Features: Face Detection, Smile Detection, Blink Detection
High Dynamic Range: Yes
Internal Flash: Auto, Red-Eye Reduction, Forced Flash, No Flash, Slow Synchro, Red-Eye Reduction + Slow Synchro
Battery: AA alkaline or NiMH
Dimensions (W x H x D): 4.06" 2.92" 2.68"
Weight: 12.3oz Product Description
GE X500 Power Pro Series Bridge Camera with Electronic View Finder, Optical Image Stabilization, 16MP, 15X Optical Zoom, 2.7"LCD, 27mm Wide Angle Lens and advanced features including Shutter & Aperture Priority mode, Program mode, ASCN, Pan-Capture Panorama, Smile & Blink Detection, Face Detection, Face Auto Exposure, Red-Eye Removal, High Dynamic Range. Power by AA Battery.

If you have a discover Cash Back card, go to drugstore.com via Discover.com merchant network to get 10% Cash Back. Find Oral B Smartseries 5000 and add it to cart. In another window, go to following link
www.gosale.com/oral-b-smart-5000
and click the link for coupon link to activate $10off coupon. I think that one is for first time buyers only. Go back to the page that you opened via Discover and check out. Here is what you get:
Price= $109.99- $10 off (via coupon, applied on the last page at order submission)=$99.99
Plus you get $10 in your Discover CB account
Plus you get 50% of $99.99 via mail-in rebate= $49.99
Plus you get $5 in drugstore.com dollars that you can spend with in a given timeframe.If all above is taken benefit of, the effective price is about $35!Apologize if I did not write all the information much clearly.

Hello, I need a solution to prevent fraud. And the best solution that we came up with is to use ACH trial deposit to verify their bank account. Like when you first sign up for a bank account and they do trial deposit, then you go on their website to verify that deposit.I searched the web and was not able to find anywhere about ACH to other people's bank account, but only to ACH FROM their account to mine which cost around $0.20 per transaction.Unless someone have better suggestion in preventing fraud... We just need to verify that the person's name/address match their info given.Thank you.Edit: an cost effective solution.

LinkyHD Vision WrapArounds Wrap Around Sunglasses$3.99 + $1.40 shipping = $5.39Ships from and sold by Private Island. Great Reviews! I just bought one, looks like an awesome deal. I wonder though how these compare to Polarized sun glasses. Product Features
HD Vision Wraparounds let you see with enhanced color and clarity just like high definintion TV's and at the fraction of a price of designer glasses.
Protect your eyes in style from all sides (unlike clip-ons), just slide over prescription glasses
HD Vision wraparounds are the affordable, effective alternative to high-priced prescription sunglasses and clumsy clip-onsProduct Description
HD Vision WrapArounds Wrap Around Sunglasses HD Vision Wraparounds let you see with enhanced color and clarity just like high definintion TV's and at the fraction of a price of designer glasses. Protect your eyes in style from all sides (unlike clip-ons), just slide over prescription glasses. Whether driving, reading or golfing, these versatile glasses make seeing a whole new experience. HD Vision wraparounds are the affordable, effective alternative to high-priced prescription sunglasses and clumsy clip-ons. Custom-look shades fit over your regular eyewear to shield your eyes from harmful UV rays and block light from the sides. High-definition lens technology dramatically reduces sun glare and provides clarity and enhances color like you've never seen before! Lightweight and durable Includes: One pair of HD Vision WrapAround Sunglasses Bonus Car Visor Clip included

You can Google and select your favorite sites for camera reviews and specs. Here are some basic features:Panasonic Lumix DMC-ZS7 Technical Details* 12.1-megapixel effective recording
* 12X optical zoom (4X digital/48X total zoom)
* Leica lens
* Built-in GPS function lets you keep track of your photos by location
* Optical image stabilization
* Recording Media - Built-in Memory, SD Memory Card, SDHC Memory Card, SDXC Memory Card At Costco, this camera is bundled with a Lumix case and a 2GB SD card.In searching past deals on FW for this camera, there have been times when it has been on sale for $199. Currently, all Amazon sellers list this over $349 new for the silver color. Panasonic sells the refurbished model (via eBay) for over $230.This is definitely YMMV since not all Costco stores have stock. When I tried to buy this camera, they only had a floor model that was obviusly damanged. The customer service rep looked up availability in the Chicago/midwest area. Only a few stores had them in stock. On the screen, it appeared that the price showed $199.97 when out of stock and $179.97 when in stock. There were a few left at the Costco just south of Midway Airport in Chicago but you definitely will not find this deal at all Costco stores.If it helps, the Costco Item number is 563095. They apparently only carry the silver color.Check out the reviews - I found them to be fairly unanimous that this is a very good point-and-shoot digital camera.Happy hunting!

OfficeMax.com 100% back in MaxPerks rewards on ream paper, highlighters, flair pens, hanging folders, Avery Stamps.com kits
100% back in MaxPerks rewards on supplies for work, home and school link
Offer valid both in-store and online:$5.98 Bonus Reward on BOISE X-9 8.5x11 Paper, 500-sheet ream (item#21060735) limit 2, maximum $11.96 bonus rewards. link
--- The paper is advertised as $0.01 after rewards (advertised price of $5.99 less advertised rewards $5.98)Note 00: Not sure if the bonus rewards for in-store purchases on the BOISE ream paper are valid everywhere or just in the regions where this is included in the local ad.
Offers valid online only -- limit three each:100% Bonus Reward on Sharpie Accent Tank-Style Highlighters, yellow, 12-pack (item# 10000839) $7.29, maximum $21.87 bonus rewards. link
--- Rewards combine with "buy x, get y free" offers -- no matter what the email confirmation suggests -- so order four and one will be free and three will be 100% back after rewards.
100% Bonus Reward on Paper Mate Flair Point-Guard Porous Point Pens, assorted, 12-pack (item# 21113947) $15.49, maximum $21.87 bonus rewards. link
--- as noted below (thanks crablover2), $15.49 x 3 equals more than $21.87. My guess is that the $21.87 is a misprint and that it should be $46.47. Since rewards are generally noted on the rewards accounts within the return period my philosophy is when in doubt, purchase.100% Bonus Reward on Avery Stamps.com Desktop Center Starter Kit (item# 22161214) $12.49, maximum $46.47 bonus rewards. link
--- as noted below (thanks again crablover2), it appears that there was a cascade effect with the max. bonus rewards as $12.49 x 3 equals $37.47 not $46.67 which would be the max. bonus rewards for the item above this one.100% Bonus Reward on select Smead FasTab moss hanging folders, letter or legal-sized, 1/3 tab cut, green or assorted , online only, limit 3 per SKU link
--- letter sized (items# 21511721, 21671497) $12.99, maximum $38.97 bonus rewards per member per SKU on letter sized.
--- legal sized (item# 21676269) $19.99, maximum $59.97 bonus rewards per member on legal sized.
--- Rebate for free TUFF or Fast Duck when you purchase 2 boxes of Smead hanging folders. Purchase 3 boxes and receive both ducks. Limit 3 TUFF/Fast Ducks per person. link
Note 01: The item maybe be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the bonus rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU.
--- will update soon
-----------------------------------------------TERMS:
?Bonus Rewards are available only for items marked with the MaxPerks Bonus Rewards symbol. All Bonus Rewards are available from July 10, 2011 thru July 16, 2011. $25 Bonus Reward on every $40 purchase of any case paper, limit 2, maximum $50 bonus rewards per member. $5.98 Bonus Reward on BOISE X-9 8.5x11 Paper, 500-sheet ream, (item#21060735) limit 2, maximum $11.96 bonus rewards per member. 100% Bonus Reward on Sharpie Accent Tank-Style Highlighters, yellow, 12-pack (item# 10000839) limit 3, online only, maximum $21.87 bonus rewards per member. 100% Bonus Reward on Paper Mate Flair Point-Guard Porous Point Pens, assorted, 12-pack (item# 21113947) limit 3, online only, maximum $21.87 bonus rewards per member. 100% Bonus Reward on Avery Stamps.com Desktop Center Starter Kit (item# 22161214) limit 3, online only, maximum $46.47 bonus rewards per member. 100% Bonus Reward on select Smead FasTab moss hanging folders, letter or legal-sized, 1/3 tab cut, green or assorted (items# 21511721, 21676269, 21671497), online only, limit 3 per SKU, maximum $59.97 bonus rewards per member on legal sized; maximum $38.97 bonus rewards per member per SKU on letter sized. 100% Bonus Reward on OfficeMax Durable View Binders, 1-1.5" round-ring (item# 21933589) with your $3.99 purchase of OfficeMax Standard-Weight Top-Load Poly Sheet Protectors, clear, 2 mm, 100-pack (item#20051809) and your $6.49 purchase of OfficeMax Durable View Binders, 1-1.5" Round-Ring, online only. 100% Bonus Reward on OfficeMax 2-Pocket Folders without Fasteners, assorted, 24-pack with your $3.79 purchase of OfficeMax Standard-Weight Top-Load Poly Sheet Protectors, clear, 2 mm, 100-pack (item# 20909778) and your $9.29 purchase of OfficeMax 2-Pocket Folders without Fasteners, assorted, 24-pack, online only. 100% Bonus Reward on [IN]PLACE Heavy-Weight Manila File Folders, 1/3 Cut, Letter, 50 per box (item# 22099667) with your $4.79 purchase of Sharpie Ultra Fine-Point Permanent Markers, black or assorted, 5-pack (item#10017251) and your $10.49 purchase of [IN]PLACE Heavy-Weight Manila File Folders, 1/3 Cut, Letter, 50 per box, online only. Member's MaxPerks ID card must be presented at the time of purchase; no Bonus Rewards adjustments will be made after purchase. Bonus Reward offers valid in store, online and phone orders unless otherwise indicated. For percentage-based Bonus Rewards, percentage of Bonus Rewards issued is based upon price actually paid by member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards will be issued in the next statement cycle. Bonus Rewards, along with any other Rewards a member may have earned during the same period, will be issued in the form of a reward card redeemable toward future purchases at OfficeMax . Reward cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance. -----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2010.12.31):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three rewards cards can be used on a single transaction. Online the limit is one rewards card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.For 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued
13. Can rewards be used to purchase gift cards?According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For teacher program members, the standard reward is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

You can Google and select your favorite sites for camera reviews and specs. Here are some basic features:Panasonic Lumix DMC-ZS7 Technical Details* 12.1-megapixel effective recording
* 12X optical zoom (4X digital/48X total zoom)
* Leica lens
* Built-in GPS function lets you keep track of your photos by location
* Optical image stabilization
* Recording Media - Built-in Memory, SD Memory Card, SDHC Memory Card, SDXC Memory Card At Costco, this camera is bundled with a Lumix case and a 2GB SD card.In searching past deals on FW for this camera, there have been times when it has been on sale for $199. Currently, all Amazon sellers list this over $349 new for the silver color. Panasonic sells the refurbished model (via eBay) for over $230.This is definitely YMMV since not all Costco stores have stock. When I tried to buy this camera, they only had a floor model that was obviusly damanged. The customer service rep looked up availability in the Chicago/midwest area. Only a few stores had them in stock. On the screen, it appeared that the price showed $199.97 when out of stock and $179.97 when in stock. There were a few left at the Costco just south of Midway Airport in Chicago but you definitely will not find this deal at all Costco stores.If it helps, the Costco Item number is 563095. They apparently only carry the silver color.Check out the reviews - I found them to be fairly unanimous that this is a very good point-and-shoot digital camera.Happy hunting!

Here is our story, in the future, we will pay more to avoid Vayama.We booked our flight from Sacramento to Istanbul with a flight change in LA 5 months in advance. The day before our flight we tried to check into our SAC to LA flight online. There was no record of our names. We called Vayama. They told us that 1 month earlier they had emailed us twice to notify us that our 2 pm flight from Sac to LA was cancelled. We were supposed to have responded to those emails so that theyd book us on a 9 am flight instead. Since wed never responded, they hadnt bought the ticketstheyd pocketed our $2,800. We didnt respond to the emails because WE NEVER GOT THE EMAILS! Either they went into Junk Mail or they werent actually sent. Who knows. (Vayama BAD SERVICE POINT #1) Vayama had our phone number & mailing address but NEVER bothered to contact us through those means. After spending $2,800 on two flights to Istanbul for a 3 week vaccation, Id think that it was obvious that we had all intentions of going. Especially after our credit card company had already paid Vayama & we never asked for a refund after our cancelled flight.We told Vayama the night before our flight that yes, we want to be on the 9 am flight. Vayama confirmed that we were on the 9 am flight and emailed the new itinerary. They called us back an hour later to say that the 9 am flight was sold out so we could go on the 6 am flight. It was 11:30 pm at this point & we live 2.5 hours away from the Sac airport. Vayama said we could take the 6 am flight or change our flight plans for another day. We told them that we wanted the 6 am flight & that we needed confirmation ASAP because we were going to head out for SAC airport ASAP.(Vayama BAD SERVICE POINT #2) Vayama NEVER called us to confirm that we were on the 6 am flight. In fact, we tried repeatedly to call them between midnight & 11 am to get confirmation (we didnt sleep as we finished packing & drove to the airport) and NEVER talked with anyone from Vayama. Calls would go to their automated system and then we were left on hold until the system hung up on us. There were a few times that Vayama seemingly answered the phone but then the phone went dead. We suspect that they had caller ID and werent interested in speaking with us.We got to the airport at 4:30 am, and went to the US Airways terminal because Vayama wrote an email to us listing our 6 am flight as a US Airways flight and included a US Airways flight number. When we spoke to a US Airways representative, they informed us that we were actually booked on a United flight and would have to catch a shuttle to the other terminal. We missed our 6 am flight. Why did we miss our flight? A United baggage agent wouldnt check us in because we were at her desk 28 minutes before the flight & the deadline to check baggage is 30 minutes before the flight.United could have split my husband & I up and sent us from Sac to LA on the last seats available on a United and an American Airways flight (one seat available per flight), however, Vayamas travel code required that we travel on the same flight.Our solution: Book a flight via Southwest from Sac to LA. We bought these $400 tickets in the hope that wed make our LA to Istanbul flight later that day.(Vayama BAD SERVICE POINT #3) While in Sac waiting for our Southwest flight, we FINALLY got Vayama on the phone again at 11 am. We told them that wed missed our flight but we wanted them to confirm that they had BOUGHT our LA to Istanbul flight (via Turkish Airlines). They would not confirm this!! They said that since we had missed the United flight from Sac to LA that per the fine print of the contract with them that our flights were voided and Turkish Airways was free to re-sell our seats. Even if we made it to LA in time to make our flight to Istanbul, we might not have had tickets. Vayama didnt care that (a) we only found out about the flight changes a few hours earlier because of their ineffective contact, (b) that we had found a way for us to be in LA on time for the Istanbul flight, & (c) that this was our honeymoon (which we told them just to increase the emotional factor for them)!My husband immediately called Turkish Airlines (LA to Istanbul) & checked us into that flight, not knowing if our tickets would be honored when we got to LA. Or, if we did get to Istanbul, would our return tickets be honored. We have since returned from Istanbul so Vayama had also bought the return tickets. We didnt have to deal with Vayama on the return, for which we were very thankful.My husband and I are seasoned travelers. We recognize that changes, difficulties, and problems happen & consider that as part of traveling. We had 3 delayed/cancelled flights & lost luggage not even described above going to & returning from Turkey.We do have issue with Vayamas:(a) attempt to pocket our $2,800 and not even trying to contact us through an alternative means to reschedule us or return the money and(b) unavailability to confirm our flight when they said that they would call us & be available. The fact that they wouldnt help us fix the missed United flight problem was in their fine print but the airline was willing to help us out so why wouldnt Vayama? Likely because they wanted to pocket our missed flight money.

Office Depot 100% back in rewards on select supplies 07/10/2011 - 07/16/2011
Exclusive for Worklife Rewards and Star Teacher Members
Official pdf form of the offer (will most likely be linked from the program's FAQ page when they get around to it): LINK
Get 100% back in Rewards on these select supplies:Office Depot Brand 30% Recycled File Folders, 1/3 Cut, Letter Size, Manila, Pack Of 100 [ 810838 ] $6.99
-- Available online, Store pickup, Sold in storesuni-ball Vision Rollerball Pens, 0.5 mm, Micro Point, Black Barrel, Black Ink, Pack Of 12 [ 193632 ] $17.99
-- Available online, Store pickup, Sold in storesPaperPro Compact Desktop Stapler, Assorted Colors [ 976296 ] $9.99
-- Store pickup, Sold in storesPaperPro Compact Stapler, Black/Gray [ 764545 ] $9.99
-- Delivery onlySanford Mr. Sketch Washable Watercolor Markers, Scented Assorted Colors, Set Of 12 [ 203034 ] $7.99
-- Available online, Store pickup, Sold in stores
---- Limit 2 of each item per member per day.
---- To date, each SKU has been an item.
---- To date, for 100% back in rewards offers the rewards payout has been the purchase price (as adjusted for paying with coupons, previous rewards, etc.) regardless of whether the purchase price is less than or greater than the advertised price.
Terms per the online ad fine print:100% back on Select Supplies Details: Offer is valid July 10 - July 16, 2011 for Worklife Rewards and Star Teacher members in-store, online at www.officedepot.com, by phone or fax. Additional rewards are limited 2 of each item per member per day. Allow up to 6 weeks for additional Rewards to post to your account. Subject to Program terms and conditions.Rewards Program Details: Rewards are granted on qualified purchases and exclusions apply. Purchases made with Office Depot Rewards and Merchandise cards/certificates do not qualify for Rewards. Free item with purchase reduces amount of qualifying purchase by value of free item. Rewards are paid quarterly in the form of an Office Depot Rewards Certificate when you earn a minimum of $10 in Rewards. Unpaid Rewards carry over from quarter to quarter within a calendar year. Limit 1 account per household/business. See store associate for program terms and conditions. Worklife Rewards members visit www.myworkliferewards.com or call 866-322-3225, Star Teacher members visit www.mystarteacher.com or call 877-789-4544, or ask a store associate for full details.
Terms per the official pdf file:100% back on Select Supplies Details: Offer valid for Worklife Rewards and Star Teacher members in-store, online at www.officedepot.com, by phone or fax. Offer is not available in Puerto Rico. Allow up to 6 weeks for additional Rewards to post to your account.Rewards Program Details: Rewards are granted on qualified purchases and exclusions apply. Purchases made with Office Depot Rewards and Merchandise cards/certificates do not qualify for Rewards. Free item with purchase reduces amount of qualifying purchase by value of free item. Rewards are paid quarterly in the form of an Office Depot Rewards Certificate when you earn a minimum of $10 in Rewards. Unpaid Rewards expire at the end of each quarter. Limit 1 account per household/business. Terms are subject to change. Worklife Rewards members visit www.myworkliferewards.com or call 866-322-3225, Star Teacher members visit www.mystarteacher.com or call 877- 789-4544, or ask a store associate for full details.
---- When comparing the terms from the online ad and official pdf file, it appears that Office Depot is a bit confused about it's program's terms and conditions. Here is the relevant section from the program's terms and conditions:NOTICE: Effective July 1, 2011, your Rewards will expire at the end of any quarter in which you have earned less than $10 ("Unpaid Rewards").
---- More details as they become available--------------------
bpvh's unofficial Office Depot FARewards FAQ (vers. 2011.05.14):This is a work in progress.
Q01. Is membership in Office Depot's Worklife Rewards program required to take advantage of these bonus offers?
Q02. What are Office Depot's Worklife Rewards and what can the rewards purchase?
Q03. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
Q04. Does using coupons impact the rewards payout?
Q05. Any other payment concerns?
Q06. The terms state "Limit 2 of each item per member per day" or similar. What is an "item" for the purposes of this offer?
Q07. The item comes in N different colors and has N different SKUs. Can two of each SKU be purchased per day of the offer and receive rewards?
Q08. A sign in-store has an item not on the official PDF advertised as part of the 100% back in rewards offer. Will the item earn 100% back in rewards?
Q09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
Q10. According to the offer's official pdf file, the item is listed as only being available online (or alternatively in-store). Will the item earn rewards if purchased in-store (or alternatively online)?
Q11. What "date" does Office Depot's reward site use as the date of record for online transactions?
Q12. When will the rewards be noted on the rewards account?
Q13. How and when will the rewards from this offer be received?
Q14. Do rewards expire?
Q15. Do purchases of 100% back in rewards items count toward the total qualifying annual purchases for Office Depot's ink/toner recycling program? Q01. Is membership in Office Depot's Worklife Rewards program required to take advantage of these bonus offers?Yes. Office Depot's rewards program is called Worklife Rewards. To join either fill out an application in-store or online at www.myworkliferewards.com.
Q02. What are Office Depot's Worklife Rewards and what can the rewards purchase?Office Depot's Worklife Rewards are effectively Office Depot store credit. "Reward Cards may be redeemed on purchases of merchandise only, which excludes any type of prepaid gift, merchandise, debit, phone or service cards."*No idea if there is a limit to the number of rewards (and gift and merchandise) cards that can be used on a single purchase in-store. Online there is a limit to the number of rewards (and gift and merchandise) cards that can be used on a single purchase. Not sure what it is but it is at least four.
Q03. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?No. Using previously issued rewards to pay for 100% back in rewards items will reduce the rewards payout. Do not use rewards to pay for 100% back in rewards items."Rewards are granted on qualified purchases and exclusions apply. Purchases made with Office Depot Reward and Merchandise cards do not qualify for Rewards."*
Q04. Does using coupons impact the rewards payout?Yes. Using coupons to pay for 100% back in rewards items will reduce the rewards payout. This includes the stated value of freebie coupons. While dollar off coupons are useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable, freebie coupons will reduce the rewards payout at the inflated value given to the freebie items.
Q05. Any other payment concerns?Cash, credit cards, and gift cards: Earn full rewards.Rewards cards and Merchandise cards: Earn reduced rewards.
Q06. The terms state "Limit 2 of each item per member per day" or similar. What is an "item" for the purposes of this offer?To date, an "item" has been a distinct SKU.
Q07. The item comes in N different colors and has N different SKUs. Can two of each SKU be purchased per day of the offer and receive rewards?To date, yes.
Q08. A sign in-store has an item not on the official PDF advertised as part of the 100% back in rewards offer. Will the item earn 100% back in rewards automatically?Most likely no. The most reliable information concerning 100% back in rewards offers is the offer's pdf file. It will contain the items included in the offer and the terms and conditions of the offer. The pdf file is located on the Office Depot Worklife Rewards site in the program's FAQ under the question "How can I find out what products qualified for a particular promotion?".
Q09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?For 100% back in rewards offers the rewards payout has been the purchase price (as adjusted for paying with coupons, previous rewards, etc.) regardless of whether the purchase price is less than or greater than the advertised price.
Q10. According to the offer's official pdf file, the item is listed as only being available online (or alternatively in-store). Will the item earn rewards if purchased in-store (or alternatively online)?To date, the item will earn rewards even if the purchase location is other than as listed on the offer's official pdf file.
Q11. What "date" does Office Depot's reward site use as the date of record for online transactions?Office Depot's rewards site uses the purchase/order date as the date of record for online transactions -- as it should. The order is dated according to eastern time though not local time.While the above holds for in-stock orders, I have no idea whether this holds for back-orders.(FYI: Unlike Office Depot's rewards site, OfficeMax's and Staples' rewards sites generally use the date the order is shipped as the date of record for online transactions.)
Q12. When will the rewards be noted on the rewards account?There are two different type of rewards that add up to 100%: Standard rewards (1%) and bonus rewards (99%).The 1% standard rewards should be noted on the account within a matter of days from the date of purchase. The 1% rewards will be noted on the transaction number pop-up on the "Purchase History" page.The 99% bonus rewards will be noted later on the "Rewards Status" page under "Additional Promotions". The bonus rewards for the October FARewards offer updated on 10/30/2010. Previous FARewards offers updated sometime in the first half of the month following the FARewards transaction.
Q13. How and when will the rewards from this offer be received?For those who have signed up for electronic delivery:Rewards certificates should be available to print from your Worklife Rewards account near the end of the month the month after the quarters end.For those who have not signed up for electronic delivery:Rewards are paid out via an Office Depot Rewards card (plastic, swipeable, unlimited use until funds exhausted) that can be used to purchase "merchandise only, which excludes any type of prepaid gift, merchandise, debit, phone or service cards." Office Depot's Rewards program pays out quarterly on about a two month delay. The rewards arrive via US Mail generally toward the end of the month two months after the quarter's end. According to the program's Terms and Conditions*:You earn Rewards // You receive your Rewards
January 1 - March 31 // May 15 - 31
April 1 - June 30 // August 15 - 31
July 1 - September 30 // November 15 - 30
October 1 - December 31 // February 15 - 28
Q14. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued.
Q15. Do purchases of 100% back in rewards items count toward the total qualifying annual purchases for Office Depot's ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes."Qualifying purchases exclude taxes; delivery fees; postage stamps; and prepaid gift, debit, phone or services cards; and purchases made with Office Depot Reward and Merchandise Cards."
-----------------------* - Office Depot's Worklife Rewards Terms and Conditions** - Office Depot's Worklife Rewards FAQ
DISCLAIMER:The UNOFFICIAL Office Depot Rewards FAQ is a compilation of information found not only in the official Terms and Conditions* and FAQ** but also through my own personal experience and the personal experiences of others as posted to SD and FW.

LinkPerhaps the wrong forum but I know a lot of FW users are on TMobile prepaid.
------------------------------------------------------------------------------------------------
Important Updates to Messaging RatesEffective August 13, 2011, the rate for receiving text messages will increase from 5 to 10 per message for customers on the Pay As You Go plan. The rate for sending text messages will not change; it will still be just 10 per message.If you message a lot, check out our Unlimited Text plan, which lets you send and receive as many text, picture, or video messages as you want for just $15/month, and lets you make all calls at our lowest ratejust 10 a minute.

Office Depot 100% back in rewards on select supplies 07/10/2011 - 07/16/2011
Exclusive for Worklife Rewards and Star Teacher Members
Get 100% back in Rewards on these select supplies:Mr.Sketch Scented Markers #203-034 $7.99Office Depot Brand File Folders #810-838 $6.99PaperPro Compact Stapler #976-296 $9.99Uni-ball Vision Rollerball Pens 12-PK,Black #193-632 $17.99
--- Limit 2 of each item per member per day.--- Office Depot's 100% back in rewards offers are generally valid both in-store and online.--- More details as they become available
--------------------
bpvh's unofficial Office Depot FARewards FAQ (vers. 2011.05.14):This is a work in progress.
Q01. Is membership in Office Depot's Worklife Rewards program required to take advantage of these bonus offers?
Q02. What are Office Depot's Worklife Rewards and what can the rewards purchase?
Q03. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
Q04. Does using coupons impact the rewards payout?
Q05. Any other payment concerns?
Q06. The terms state "Limit 2 of each item per member per day" or similar. What is an "item" for the purposes of this offer?
Q07. The item comes in N different colors and has N different SKUs. Can two of each SKU be purchased per day of the offer and receive rewards?
Q08. A sign in-store has an item not on the official PDF advertised as part of the 100% back in rewards offer. Will the item earn 100% back in rewards?
Q09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
Q10. According to the offer's official pdf file, the item is listed as only being available online (or alternatively in-store). Will the item earn rewards if purchased in-store (or alternatively online)?
Q11. What "date" does Office Depot's reward site use as the date of record for online transactions?
Q12. When will the rewards be noted on the rewards account?
Q13. How and when will the rewards from this offer be received?
Q14. Do rewards expire?
Q15. Do purchases of 100% back in rewards items count toward the total qualifying annual purchases for Office Depot's ink/toner recycling program? Q01. Is membership in Office Depot's Worklife Rewards program required to take advantage of these bonus offers?Yes. Office Depot's rewards program is called Worklife Rewards. To join either fill out an application in-store or online at www.myworkliferewards.com.
Q02. What are Office Depot's Worklife Rewards and what can the rewards purchase?Office Depot's Worklife Rewards are effectively Office Depot store credit. "Reward Cards may be redeemed on purchases of merchandise only, which excludes any type of prepaid gift, merchandise, debit, phone or service cards."*No idea if there is a limit to the number of rewards (and gift and merchandise) cards that can be used on a single purchase in-store. Online there is a limit to the number of rewards (and gift and merchandise) cards that can be used on a single purchase. Not sure what it is but it is at least four.
Q03. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?No. Using previously issued rewards to pay for 100% back in rewards items will reduce the rewards payout. Do not use rewards to pay for 100% back in rewards items."Rewards are granted on qualified purchases and exclusions apply. Purchases made with Office Depot Reward and Merchandise cards do not qualify for Rewards."*
Q04. Does using coupons impact the rewards payout?Yes. Using coupons to pay for 100% back in rewards items will reduce the rewards payout. This includes the stated value of freebie coupons. While dollar off coupons are useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable, freebie coupons will reduce the rewards payout at the inflated value given to the freebie items.
Q05. Any other payment concerns?Cash, credit cards, and gift cards: Earn full rewards.Rewards cards and Merchandise cards: Earn reduced rewards.
Q06. The terms state "Limit 2 of each item per member per day" or similar. What is an "item" for the purposes of this offer?To date, an "item" has been a distinct SKU.
Q07. The item comes in N different colors and has N different SKUs. Can two of each SKU be purchased per day of the offer and receive rewards?To date, yes.
Q08. A sign in-store has an item not on the official PDF advertised as part of the 100% back in rewards offer. Will the item earn 100% back in rewards automatically?Most likely no. The most reliable information concerning 100% back in rewards offers is the offer's pdf file. It will contain the items included in the offer and the terms and conditions of the offer. The pdf file is located on the Office Depot Worklife Rewards site in the program's FAQ under the question "How can I find out what products qualified for a particular promotion?".
Q09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?For 100% back in rewards offers the rewards payout has been the purchase price (as adjusted for paying with coupons, previous rewards, etc.) regardless of whether the purchase price is less than or greater than the advertised price.
Q10. According to the offer's official pdf file, the item is listed as only being available online (or alternatively in-store). Will the item earn rewards if purchased in-store (or alternatively online)?To date, the item will earn rewards even if the purchase location is other than as listed on the offer's official pdf file.
Q11. What "date" does Office Depot's reward site use as the date of record for online transactions?Office Depot's rewards site uses the purchase/order date as the date of record for online transactions -- as it should. The order is dated according to eastern time though not local time.While the above holds for in-stock orders, I have no idea whether this holds for back-orders.(FYI: Unlike Office Depot's rewards site, OfficeMax's and Staples' rewards sites generally use the date the order is shipped as the date of record for online transactions.)
Q12. When will the rewards be noted on the rewards account?There are two different type of rewards that add up to 100%: Standard rewards (1%) and bonus rewards (99%).The 1% standard rewards should be noted on the account within a matter of days from the date of purchase. The 1% rewards will be noted on the transaction number pop-up on the "Purchase History" page.The 99% bonus rewards will be noted later on the "Rewards Status" page under "Additional Promotions". The bonus rewards for the October FARewards offer updated on 10/30/2010. Previous FARewards offers updated sometime in the first half of the month following the FARewards transaction.
Q13. How and when will the rewards from this offer be received?For those who have signed up for electronic delivery:Rewards certificates should be available to print from your Worklife Rewards account near the end of the month the month after the quarters end.For those who have not signed up for electronic delivery:Rewards are paid out via an Office Depot Rewards card (plastic, swipeable, unlimited use until funds exhausted) that can be used to purchase "merchandise only, which excludes any type of prepaid gift, merchandise, debit, phone or service cards." Office Depot's Rewards program pays out quarterly on about a two month delay. The rewards arrive via US Mail generally toward the end of the month two months after the quarter's end. According to the program's Terms and Conditions*:You earn Rewards // You receive your Rewards
January 1 - March 31 // May 15 - 31
April 1 - June 30 // August 15 - 31
July 1 - September 30 // November 15 - 30
October 1 - December 31 // February 15 - 28
Q14. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued.
Q15. Do purchases of 100% back in rewards items count toward the total qualifying annual purchases for Office Depot's ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes."Qualifying purchases exclude taxes; delivery fees; postage stamps; and prepaid gift, debit, phone or services cards; and purchases made with Office Depot Reward and Merchandise Cards."
-----------------------* - Office Depot's Worklife Rewards Terms and Conditions** - Office Depot's Worklife Rewards FAQ
DISCLAIMER:The UNOFFICIAL Office Depot Rewards FAQ is a compilation of information found not only in the official Terms and Conditions* and FAQ** but also through my own personal experience and the personal experiences of others as posted to SD and FW.

Need some advice. Wife lost her job end of May. We are entitled to Cobra at the discounted rate we were paying for 3 months, after which it goes through the roof. So far I haven't paid for June or July...as I have till August 28, 2011 to pay it all. We haven't really went in for too much. Our portion of the Cobra is just under $400 per month. I can save by getting a private insurance with higher deductibes etc. I have some quotes already. So my questions are1. Since I am going to private insurance how would a gap in coverage affect that? I thought I remember that not being a good thing. 2. If I go with private insurance early, I can only have it effective as of a future date correct? So not starting as of July 1, 2011 I assume?Our plans were to pay the June, July Cobra and have the private insurance start up August 1 to save on premium but again I'd like to understand if it would hurt to have those 2 months in between with no insurance(even though they are/will be in the past already) or if its better to just pay the cobra for June/July.Hope not tooooo confusing.Thanks.

Hi guys, I've just wrapped up reading a bunch of the health insurance threads but I'm still a little shaky on the best path forward. I work for a very small company and don't really don't trust HR to give me the best advice in regards to health insurance and financial implications(hence why I'm posting on Fatwallet). Basically looking for input/advice on what I have to believe is a somewhat common scenario.Situation:
My wife will soon be giving birth(first child) and we are planning on her being a stay at home mom for the time being(she has already submitted her resignation at her current job where she has insurance). I have insurance from work, in which case I'm paid for, but in order to add both of them to my plan, it would cost $800/month(ouch). If my wife used COBRA to extend her insurance it would be $700+/month.My current idea is to continue my work insurance for myself and enroll her and our baby in a seperate high deductible(5k-7.5k) plan with 20% coinsurance(through eHealthInsurance). The thing that thoroughly confuses me is, would a HSA account work in this scenario. If I'm the only one enrolled at work, can I have an HSA for my family? My family(wife+newborn) don't work, so can I contribute to an HSA on their behalf, and if so, will I be able to get the tax break when our taxes are filed? If I'm able to do an HSA, I was thinking of contributing ~$500/month in "tax break eligible" dollars, and paying the high deductible insurance out of that bucket for wife and child at about $200/month. Assuming they were to just so happen average $300/month in medical expenses, the HSA account would break even and come tax time, my effective cost during the year(assuming 25% tax bracket) would be ~$375/month. If all my assumptions are correct, the "floor" of expenses is $375 in after tax dollars.I have no clue if the assumptions I made in regards to HSA are true or not, but I would really appreciate the help in spotting whether I'm connecting the dots correctly.-------------
Edited to explain the situation better.

Hey guys,I know this topic has been partially covered in several archived threads, but I wanted to get some feedback on my specific situation.I'm working with someone in Argentina on a project, and I hate using Western Union to send them money every month. The website is slow, and isn't very user-friendly (if you aren't careful entering your password, your account is locked up and you have to call someone at a call desk to get your password recovered).Our collaborator is well worth the money and the effort, but I wanted to see if there was an easier way. As far as we know, he won't take Paypal, possibly because he'd have to transfer the money from Paypal to a bank to actually get it, something he doesn't want to do because of the corruption in the region.Are there any other secure and cost-effective ways to send him money directly and securely?No idea is off the table - just today my friend suggested physically mailing him money pressed between the pages of a comic book

Stage Stores
beallstx.com
goodysonline.com
palaisroyal.com
peebles.com
stagestores.comThank you for your recent on-line order at Stage Stores. We appreciate your business; unfortunately, we were unable to fulfill your order in its entirety. We do apologize for any inconvenience this may have caused.We are adding new items to our on-line store daily. Please visit us again and as a token of our sincere apologies, please use coupon code 3566893 on your next purchase to save 25% Off plus Free Shipping ** Excludes Cosmetics and Fragrances, limit one use per customer, effective now through 7/9.

The follow-up to "Batman Begins", "The Dark Knight" reunites director Christopher Nolan and star Christian Bale, who reprises the role of Batman/Bruce Wayne in his continuing war on crime. With the help of Lt. Jim Gordon and District Attorney Harvey Dent, Batman sets out to destroy organized crime in Gotham for good. The triumvirate proves effective, but soon find themselves prey to a rising criminal mastermind known as The Joker, who thrusts Gotham into anarchy and forces Batman closer to crossing the fine line between hero and vigilante. Heath Ledger stars as archvillain The Joker, and Aaron Eckhart plays Dent. Maggie Gyllenhaal joins the cast as Rachel Dawes. Returning from "Batman Begins" are Gary Oldman as Gordon, Michael Caine as Alfred and Morgan Freeman as Lucius Fox.
The Dark Knight (Blu-ray) (Widescreen)

=http://www.officedepot.com/a/products/899907/Toshiba-Satellite-L655-S5157-Laptop-Computer=Toshiba Satellite L655-S5157 Laptop Computer With 15.6" LED-Backlit Screen & Intel Core i3-380M Processor With Hyper-Threading Technology
Item # 899907 Original Price: $499.99
Mail-In Savings: -$200.00
Your Price $299.99
after mail-in savingsPrices effective through 07/02/2011. Extra-large 4GB memory lets you run your most demanding programs.
500GB hard drive holds thousands of songs, photos and documents.
Wireless-N for high-performance, cable-free networking. Lets you access wireless networks to share files, surf the Web and exchange email. Can provide improved range and speed within a Wireless-N (802.11n) network, and is also compatible with 802.11b/g networks. Wired networking is supported, too.
15.6" diagonal LED-backlit TruBrite screen. LED backlighting permits a thinner and more energy-efficient screen.
Plays and burns CDs and DVDs.
Memory card reader for fast, easy photo transfers. Transfer your digital photos, music and other files from these memory cards: Secure Digital, SDHC, miniSD, MultiMediaCard, Memory Stick (adapter required) and Memory Stick Pro (adapter required).
Integrated numeric keypad speeds data entry and calculations.
Provides up to 5.2 hours of battery life on a single charge.
Microsoft Windows 7 Home Premium 64-bit. The newest version of Windows makes everyday tasks simple. NO HDMI

=http://www.officedepot.com/a/products/898314/Toshiba-Satellite-A665-S5173-Laptop-Computer=Toshiba Satellite A665-S5173 Laptop Computer With 15.6" LED-Backlit Screen & Intel Core i5-480M Processor With Turbo Boost Technology
Item # 898314Original Price: $599.99
Mail-In Savings: -$200.00
Your Price $399.99
after mail-in savingsPrices effective through 07/02/2011. High-performance Intel Core i5 processor. Offers extra power to handle today's complex software. Great for multi-tasking, too.
Extra-large 4GB memory lets you run your most demanding programs.
500GB hard drive holds thousands of songs, photos and documents.
Wireless-N for high-performance, cable-free networking. Lets you access wireless networks to share files, surf the Web and exchange email. Can provide improved range and speed within a Wireless-N (802.11n) network, and is also compatible with 802.11a/b/g networks. Wired networking is supported, too.
Plays and burns CDs and DVDs.
Memory card reader for fast, easy photo transfers. Transfer your digital photos, music and other files from 7 types of memory cards.
Intel Wireless Display technology provides a convenient link to your TV. Lets you wirelessly stream video and photos for viewing on your HDTV (requires additional hardware, sold separately).
HDMI port lets you view videos and photos on your HDTV. (HDMI cable sold separately.)
Built-in webcam and microphone let you keep in touch with others via video and voice messaging.
Face recognition software for hassle-free logins. Securely access your computer and accounts without typing passwords.
Provides up to 4.5 hours of battery life on a single charge.
Microsoft Windows 7 Home Premium 64-bit. The newest version of Windows makes everyday tasks simple.

=http://www.officedepot.com/a/products/901932/Toshiba-Satellite-C655D-S5133-Laptop-Computer=Toshiba Satellite C655D-S5133 Laptop Computer With 15.6" LED-Backlit Screen & AMD E-Series E-240 Processor
Item # 901932 Original Price: $449.99
Instant Savings: -$120.00
Checkout Price: $329.99
Mail-In Savings: -$120.00
Your Price $209.99
after instant and mail-in savingsPrices effective through 07/02/2011.AMD Vision 250GB hard drive holds thousands of songs, photos and documents.
2GB memory lets you run your programs.
Wireless-N for high-performance, cable-free networking. Lets you access wireless networks to share files, surf the Web and exchange email. Can provide improved range and speed within a Wireless-N (802.11n) network, and is also compatible with 802.11b/g networks. Wired networking is supported, too.
15.6" diagonal LED-backlit TruBrite screen. LED backlighting permits a thinner and more energy-efficient screen.
Plays and burns CDs and DVDs.
Plus, built-in Labelflash technology lets you create and burn your own labels right onto discs (Labelflash media is required, sold separately).
Memory card reader for fast, easy photo transfers. Transfer your digital photos, music and other files from 4 types of memory cards: Secure Digital, SDHC, miniSD and MultiMediaCard.
Integrated numeric keypad speeds data entry and calculations.
Provides up to 6 hours of battery life on a single charge.
Microsoft Windows 7 Home Premium 64-bit. The newest version of Windows makes everyday tasks simple.

Liv Breast Self Exam Aid $1.99 with free shipping from Graveyardmall.com
Product DescriptionLiv Breast Self Exam Aid The Liv was developed and designed with you in mind. The soft, heart-shaped pad uses exclusive Dureflex technology from Bayer Science and is filled with a non-toxic lubricant to deliver the ultimate in comfort and effectiveness. Full, easy instructions are included for doing a breast self-exam and product care.Patented and FDA-cleared
Reusable tool for use once a month
Reduces friction between fingers and skin
One size fits all
Easy to clean and store
Product Dimensions: 8" x 8.5"
Love yourself enough to check yourself monthly Olivia Newton-John

Not that this is any terrible news considering how PayPal's money market fund has not been a game changer in recent years, but I received a notice that effective July 29, 2011, the money market fund will be closed. I'm still trying to verify that this isn't a typical PayPal hoax email, but it all looks legit despite not finding any information about this on their site.

Kindle with Special Offers Qualifying eBooks1. Purchase at least $10 in Kindle books from our list of thousands of eligible titles available @ above link I posted.
2. Complete your orders before this promotion expires at 11:59 pm (PDT) on Saturday, July 9, 2011.
3. A $10 Amazon.com Gift Card will be applied to your account after the end of the offer period, but in no event
later than August 9, 2011.Effectively you have $10 worth of free books. Not as hot as $80+ Last Apprentice books I posted yesterday

I came across this .pdf article from mid 2007 by Martin Cohen of Cohen & Steers. I cannot believe how wrong this world renowned REIT management firm has been on their prediction of real estate market direction and strength. Ironically, the following statement had been made just months prior to sh_t hitting the fan in the markets: [On the chances of a pullback in the global real estate marketplace, Cohen is optimistic we won't see one soon. He said that two of three things need to happen: an economic recession, an oversupply of product and liquidity restraint. "I don't see any of these three on the horizon, although I watch the supply issue most closely," he said.]While this REIT management firm claims to have not seen any of the three issues on the horizon, all three issues managed to come to pass. How does a REIT management company fail to avoid or at least effectively plan for significant downturns in the ONLY sector they specialize in?

I came home yesterday at night, and ran over a sleeping female stray cat on my driveway. Grey cat, long grey gravel driveway just didnt see her. It is not our cat, but we give her food from time to time, like 2 or 3 other neighbors. Usually, Im not a sensitive person but seeing a crying animal under my car drugging her legs wasnt pleasant. I told myself that if I see any blood in her mouth or other body openings, Ill have to help her to die, but I didnt find any signs of blood. My idea was that her legs or pelvic, or both are broken.
It was 11 pm, so I placed the cat into a cardboard box to protect from possible dangers (stray dogs etc) and left it on my porch until this morning.
This morning she was alive, so I decided to take her to a local vet. When I said stray cat they wanted to put her asleep for free, but when I mentioned that Id like to try to save her life, they said that they have to do X-ray to find out what the damage is. The doctor said that a broken pelvic is usually a reason to put a cat to sleep so it doesnt have a bad life after all, but a broken leg is not a problem. Also, the doctor said, it may be something simple and nothing may be broken to begin with. The cost of X-ray and exam is around $200, and put the cat asleep is free since it is a stray cat (I told them that I found the cat on my front yard). A true FW person inside of me told me to take the 2nd way, but because Im stupid I guess I decided to pay for the exam. Yes or No to decide that a live creature has to live or die may be hard to say when it comes to that. I dont really have extra $200 to spend on a stray cat, but WTF I didnt want to kill her without giving her a chance.
They called me an hour ago and said that the cat doesnt have any broken bones but one of her leg joints is badly dislocated and cat needs (may need?) a surgery to reattach one of her muscles. The cost of the surgery is around $500. To put her asleep is $40 now since I signed the paperwork and claimed the ownership. When I asked if the cat can recover on her own if I put her into a large dog cage I have for 3-4 weeks on my back porch, they told me it is possible, but I will have to give her pain killers they can give me for $40. And after that, she still may not recover completely.
What is your advice, people? What is a way for a true Fatwaller to have his/her animal fixed for the smallest money possible? I called a local animal shelter but they can only euthanize her. No way I can afford to spend extra $500 for a cat surgery when my relatives abroad barely have money to buy food. From my past life in a country with no vets around I know that cats are very capable to recover on their own, but still I dont want to have a disabled cat after all I have to take care for the rest of her life.
I will add a picture of the stupid cat my wife took a long time ago. The cat looks ugly as hell and was always missing one lip, but still - she is a cat  
Update (11.30pm Central Time 6/10)
The cat will have her surgery (Femoral head ostectomy) done the next week. The original vet (see the estimate attached) can do it Thursday, 6/16. I will check another place nearby and will try to contact Jeff state community college that has a vet school to see if they can do it sooner (and cheaper) than that. I will do my best to convince my wife to keep the cat after the surgery.
Thank you everyone for your time to answer my original post, advise, support of the cat, sending me money via PayPal. Right now I have $195.18 USD sent to my PayPal account for the cat from 7 people. I promise to email them unedited copies of the original receipts as soon as I can. I also promise to keep everyone here posted on the outcome of the surgery and post here the final receipt and pictures.
Update (around 3:26 pm 6/11)
The cat is in her cage now (the cage is for large dogs, so it has plenty of space), with food and water. I have put a litter box for her and to my surprise she used it drugging her body into it. While checking on her I found that she is declawed - I don't know how she has survived her 2 years outside in Alabama country (the vet said that she is about 2 years old).
It is very hot outside today and I started feeling bad for the cat seating under the tarp and breathing hard; I had to bribe my wife by telling her go and use a not-so-good Old Navy $10 off $50 coupon to bring the cage inside and keep it in my garage (the only room under my control more or less).
After me cleaning her crap for all the days ahead I may not give the cat away after all, so, please, disregard my offer to give the her away for now.
At this moment I have $329.59 USD sent to my PayPal account by 17 people.    Update 6/11 (Saturday), around 11.45 pm
The cat likes to be in the garage in her cage I think. She is relaxed, sleeps most of the time and eats quite well. She loved when I tried pet her a little bit (it sounds wrong when I admit on public that I tried to pet a female cat for some reason, I don't know why), and had a very strange reaction for a cat - started licking my fingers like a dog, non-stop, making a loud sound. Love hungry? I don't know, but that's what my wife thinks. After drinking some wine tonight, my wife said that cat doesn't look too ugly after that and she will get used to her she thinks. My wife is still in shock after FW thing, so she feels bad that she didn't like the cat before.
I have $481.39 USD sent to my PayPal for the cat from 21 people. I will be emailing unedited estimate to all of them tonight.    Update, around 11 pm, Sunday 6/12
The cat is doing OK in her cage, eats and drinks well. She can barely stand and shakes a lot while trying to do that, but still drugs her body into the litter box to use it. I had to give her Metacam pain killer she's got from the vet. The label on that one says use it for dogs only and never give it to cats, but there is no other effective medicine for cats for arthritis and so on pain I was told, so vets continue prescribe Metacam in small doses. They say in Canada it is considered to be safe for cats, but litigation here makes the label a necessary thing. The cat should be getting Metacam in a 5 lbs dose every 3 days.   
Finance, 6/12
THE SURGERY IS COVERED!!!!!
I have $761.39 USD sent to my PayPal account from 35 people. It should be more than enough to cover the cat's surgery, vaccination, possible boarding overnight and so on. Thank you to all of you who did it. I know you didn't do it for me and I shouldn't thank you because it is not what you were looking for when you send your money. But Cat can't thank you so I have to do it.
If I get anything extra later on sent to my PayPal or a different way (some folks told me they want to send personal checks) I will use it to cover $197 I spent on the cat's X-Ray, exam and pain killers, so don't send me money, please, if you don't want me to use it for that - I asked about the surgery and the surgery is fully covered as of today by 35 kind people, absolute strangers from Internet I don't know. $197 was my personal spending on the cat and I shouldn't cover it with the money sent for the surgery, but if you send me money now, when surgery is fully covered, I use your money to cover $197 because I'm a "broke member". Once again, the surgery is fully covered! Yes! Thank you, dear FW people! Whatever is left after all, is going to be donated to a local animal support group that has cats seating in glass boxes at my local PETsMART waiting for their new owners.
I promise to report how I'm going to spend every cent of the money and provide all the receipts after all.    Monday, 6/13, around noon
Ive got another estimate from a local animal clinic this morning (attached). They played with numbers a little bit and added some extra things the first place did not, but the most important thing they have mentioned the Cat needs to have her Leukemia (FIV) test done. Since we have another cat at home (my wifes cat), FIV and proper vaccination are extremely important to prevent our cat to get infected. The total with the surgery at the second clinic is $650 makes the first clinic still to be a better deal even if they add $45 FIV test, $22 Leukemia vaccination and $12 rabies. But I need to find out about the surgery supplies to have the true cost.
After doing some research I have decided not to check our local community college that has a vet program. Since Cat has money for a surgery with a pro, I dont want a student to train on it. A vet class is a nice option with no money on hand to save an animal, but since FW folks has covered the surgery Ill skip this option.
Im going to stop by at the first place (Deerfoot animal clinic) tomorrow morning on my way to work to get the original estimate updated to get their price and to schedule the surgery for Thursday if their deal with all the vaccination and tests is below $650.    
Finance update (around 10 pm, Monday, 6/13)
PayPal - $1,014.64 USD from 44 people. Amazon payments - $10 from 1 person.
Thank you! It is more than enough for anything at the moment, dear all, so please don't send any money anymore. Everything I may think of as of today is covered by you, 45 strangers from FW, and I promise to keep you updated on everything. I still need to send unedited copies of the 1st estimate to some of you - sorry, didn't have time for that but will do it ASAP.  Update, 6/14
I have the estimate from Deerfoot Animal Clinic revised by their doctor to include Rabies and FVRCP vaccination, and a combo test. Total price is $592.40 now, so it is a better deal than the 2nd place I tried. I talked about the cats lip. The cat had a very bad ulcer a long time ago that has destroyed her upper lip. There is no infection now and it there is no need to do a surgery on that.
We have the official surgery date now it is 6/16, Thursday. The surgery will be performed by doctor Russell. I will deliver the cat to the clinic on my way to work at around 8 am.  Update, 6/15
The cat is OK and is waiting on her surgery tomorrow morning. She cant eat or drink anything after midnight tonight, so she is eating now all the time.
PayPal: $1,024.05 USD from 45 people, Amazon Payments: $10 from 1 person. I sent unedited estimate to all of you (one email - northsta***@aol.com was returned as undeliverable). Update, Thursday, 6/16, 9:23 amThe surgery day is today! Cat was delivered to the clinic about an hour ago. I have added some blood work tests they recommend to any pet before sedation, and also asked to check her for ear infection and for worms, including ringworm. They will call me after the surgery to let me know how the Cat is doing. I will update you ASAP.
Update, 12.10 pm
Ive got a call from Dr. Russell 15 min ago. The Cats combo tests are all fine, but he found something else so he wanted to confirm that I still want him to proceed with the surgery. There is an abnormal growth of body tissue in the Cats throat that may or may not be cancerous. He wanted to make sure that I want him to perform a $600 surgery for a cat that may not live long. He sounded like the second possibility is really possible, but didnt confirm anything when I asked him directly since he doesnt know what that is without additional testing. After some thinking I told him to proceed with the surgery and take a test of that area to see what is going on. It is a $80 test, but since we have money to cover it and want to know what is going on, I think it makes sense.
That tissue growth(I dont know if it is a tumor or what) in Cats throat may explain the fact that the Cat was always very quiet during 2 years we know her, we could barely hear her meowing. Well, if she was like that for 2 years, there is a chance that it may be not too bad.
I will let you know ASAP when I hear anything else.I just got a call from Doctor Russell. The cat went into cardiac arrest and passed away during the surgery. They did their best he says but couldn't do anything. He told me it may be related to that tissue growth she had. His opinion is that it was probably the best thing for her he is sure that Cat has cancer spread everywhere. You can call him if you wish to find out more: 205-661-9630.
I will get her later on to burry on my backyard. I will refund everybodys money end of today. Please use it to help other stray animals. God bless you all and thank you for everything you did for her.Friday, 6/17
Ive got Catwallet back this morning. She looked exactly the same like on her last photo that I took while the Cat was asleep, just had some stitches on her left leg. I have finished her 3 foot deep grave and we have buried her under raspberry bushes. We do not go to that area of our backyard so the Cat will rest in peace, finally, after all the months of straggling with heat, cold, Alabama wilderness, illnesses, looking for food and love.
A long time ago Ive heard a story about Angels coming to us not to help, but to change us. They come in different, usually not the most unattractive shapes, and patiently wait for us to step forward and do something good something that we usually never do. If that story is true, then who knows, maybe this little ugly cat was sent to try to change me and my wife. She came to the front door of our house two weeks before our daughter was born, 17 month ago, and since then, under rain, sun and snow, was patiently waiting on us to step forward - to see her not like an ugly annoying stray cat, but as a helpless creature that also needs love and attention. For many long months, she has taught us to share food, provide a little bit of care, to notice unattractive and annoying poor things that we usually dont see or dont want to see around us while busy with our own, more important stuff. And when kitty has finally found that she is loved, that all her efforts to make me and my wife a little bit better are finally successful, that there are actually many, many people in this World that can love her the way she is, that sent their money to help her, that were thinking about her for all these days, she got satisfied and went somewhere else - on her new assignment.
It is Catwallet story I will remember and will teach my daughter when she gets older. Thank you all

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OfficeMax.com 100% back in MaxPerks rewards on Sharpies (fine,black) 06/19/2011 - 06/25/2011
Online Only. link Until the link is active, log into your rewards accounts to see the ad.
Sharpie fine point permanent markers, black, 12/pk (item# 20822914), online only, limit 3, maximum $24.87 linkThe ad from my MaxPerks rewards account states: You must enter promo code: MPEVENT8 in the shopping cart.
The ad from OfficeMax.com states: You must enter promo code: MPEVENT7 in the shopping cart.UPDATE: It appears that the offer's terms have the wrong product SKU. The rewards note on the product page refers to item #10000722 and the description of that item matches the description in the terms.
Note 01: The item will be "discontinued" until it is made available forsale (usually around 3 AM eastern). The "discontinued" state can occur sporadically through out the day on Sunday.Note 02: While the product pages above might link to a multi-product page, only the specific items listed above qualify for the 100% back in rewards.Note 03: Member's MaxPerks ID card number must be scanned/entered at the time of purchase; no Bonus Rewards adjustments will be made after purchase.Note 04: The item limits are usually applied per SKU. 
-----------------------------------------------TERMS:
♦All Bonus Reward offers are available June 19 2011 thru June 25, 2011. For MaxPerks Bonus Reward on case paper, get 50% in Bonus Rewards on the first two cases of paper purchased; 20%♦Bonus Reward applies to all cases thereafter. For MaxPerks Bonus Reward on supplies, 100% Bonus Reward on Sharpie fine point permanent markers, black, 12/pk (item# 20822914), online only, limit 3, maximum $24.87 bonus rewards per member; 20% Bonus Reward applies to each purchase of Sharpie fine point permanent markers, black, 12/pk thereafter. 20% MaxPerks Bonus Rewards offer valid in select stores, online or by phone. Savings pass/coupon, phone promo code or online promo code and members MaxPerks ID card must be presented at time of purchase. Not valid on computers, tablets, gift cards, general use prepaid cards, phone cards, Sprint service plans, purchases with Retail Connect(SM) pricing, sales tax, purchases made prior to the date of enrollment and purchases with a MaxPerks Rewards Card. Cannot be combined with any other coupon. Items and related Bonus Rewards are available only for items marked as a MaxPerks Bonus Reward offer. Items and related Bonus Rewards are available while supplies last. No Bonus Reward adjustments will be made after purchase. For a percentage-based Bonus Reward, percentage of Bonus Rewards issued is based upon price actually paid by Member, as advertised price can be reduced by any applicable coupon or discount. Bonus Rewards for these offers, along with any other rewards a Member may have earned during the same period, will be issued in the next statement cycle in the form of a Reward Card redeemable toward future purchases. Reward Cards expire 90 days from date of issuance, except in Florida where they expire one (1) year from date of issuance.♦♦Visa gift card offers are available for purchases of select printers regularly priced. All Visa gift card offers are available from June 19, 2011 thru June 25, 2011. A MaxPerks ID must be presented at time of purchase for existing members or new member sign-ups. Offer valid in-store, online and/or via phone order. No MaxPerks adjustments will be made after time of purchase. Visa gift cards will be sent via US mail approximately 8 weeks after the promotion ends to MaxPerks Members who qualify for the promotion that have a valid mailing address on file at the time of the mailing.Prices applicable for Continental U.S. Prices may vary in Alaska, Hawaii, Puerto Rico and the Virgin Islands. Prices valid through 06/25/2011 unless otherwise indicated.*Valid in store only. Coupon valid on regular, sale, promotional and/or clearance priced items. Limit one per customer. Valid on purchase of HP LaserJet CP1025nw Color Printer (item# 22393900), limit 1. Void if copied, sold, purchased, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on prior purchases or for credit card payments. Coupon must be surrendered at time of purchase. No cash or credit back. Cash value .001. 2011 OMX, Inc.**Valid in store only. Coupon valid on regular, sale, promotional and/or clearance priced items. Limit one per customer. Valid on purchase of HP LaserJet P2035n Printer (item# 21698138), limit 1. Void if copied, sold, purchased, transferred, taxed or where prohibited. Cannot be combined with any other coupon, associate discount, OfficeMax Customer Perks and/or Retail ConnectSM pricing. Not valid on prior purchases or for credit card payments. Coupon must be surrendered at time of purchase. No cash or credit back. Cash value .001. 2011 OMX, Inc.***Qualifying merchandise is any product and/or service in our retail stores, online or in our catalogs, except: computers, gift cards, general use prepaid cards, Sprint service plans, phone cards, purchases with Retail ConnectSM pricing, sales tax and purchases made prior to the date of enrollment. Purchases with your MaxPerks Reward Card do not count toward the qualifying spend requirement. Please see OfficeMax.com/maxperks for full program details.-----------------------------------------------bpvh's UNOFFICIAL MAXPERKS FAQ (vers. 2010.12.31):This is a work in progress.
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?
03. Can only businesses and teachers join the MaxPerks Rewards programs?
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?
05. Does using coupons impact the rewards payout?
06. Any other payment concerns?
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?
08. The offer is not advertised in my region. Is the offer valid in my region?
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?
10. When will the rewards be noted on the rewards account?
11. How and when will the rewards / bonus rewards be paid out?
12. Do rewards expire?
13. Can rewards be used to purchase gift cards?
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?
01. Is membership in a MaxPerks Rewards program required to take advantage of these bonus offers?Yes. To join either either fill out an application in-store or online at www.officemaxperks.com
02. What are MaxPerks Rewards and what can MaxPerks Rewards purchase?MaxPerks Rewards are effectively OfficeMax store credit. "Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account."* That said, many OM cashiers/managers will not allow the purchase of third party gift or debit cards with rewards.In-store up to three rewards cards can be used on a single transaction. Online the limit is one rewards card per transaction.
03. Can only businesses and teachers join the MaxPerks Rewards programs?No.Teachers should sign-up for the MaxPerks Rewards for Teachers program.Everyone else should sign-up for the MaxPerks Rewards for Business program. Where the business application requests "Business Name" enter first and last name.
04. If a bonus rewards item is paid for with rewards will the bonus rewards still be awarded? Do rewards "roll"?To date, yes, with one exception. Paying for 100% back in rewards and fixed value (buy X, get $Y in rewards) bonus rewards offers with rewards have earned rewards so at least for those two types of bonus rewards offers, MaxPerks rewards have "rolled".The one bonus rewards offer that did not roll was its June "Get 20% Back in MaxPerks Rewards" offer and the offer's terms noted the exception:"*20% MaxPerks Bonus Rewards offer valid in-store from June 20, 2010 thru June 26, 2010. Saving pass, phone promo code or online promo code and member's MaxPerks ID card must be presented at time of purchase. No Bonus Reward adjustments will be made after purchase. Not valid on computers, gift cards, general use prepaid cards, phone cards, purchases with a Retail ConnectSM card, sales tax, OfficeMax private label ink, toner and ink refills, Sprint monthly price plans and purchases made prior to enrollment and purchases with a MaxPerks Reward Card."
05. Does using coupons impact the rewards payout?It depends on the type of bonus rewards offer:---- if it's a 100% back offer, then using a coupon will reduce the rewards payout. Dollar off coupons are still useful in reducing the initial outlay, the eventual rewards payout, and the amount of sales tax paid if applicable
---- if it's a fixed value (buy X, get $Y in rewards) offer, then using a coupon has not impacted the rewards payout so far.
06. Any other payment concerns?Cash, credit cards, gift cards and merchandise : Earn both bonus rewards (100% back offers, $x back on purchasing Y offers) and standard rewards (business: $25 for every $500, teacher: $10 for every $75)Rewards cards: Earn bonus rewards (100% back offers, $x back on purchasing Y offers) but NOT standard rewards (business: $25 for every $500, teacher: $10 for every $75)
07. What "date" does the MaxPerks Rewards site use as the date of record for online transactions?The MaxPerks Rewards site generally uses the date the item ships as the date of record (the "Transaction Date") for an online order. If this date falls outside the offer period it is possible that the system will not automatically award the reward. If the reward is not automatically rewarded, contact MaxPerks Rewards customer service to have the reward awarded.
08. The offer is not advertised in my region. Is the offer valid in my region?This appears to be YMMV. Some have reported that non-advertised 100% back in rewards offers worked for them while others have reported that they have not. My experience is that 100% back in rewards offers are not valid out of the targeted region(s).
09. The item's online price does not match the item's price in the advertisement. Will the rewards payout be the advertised price or the purchase price?If the offer's terms have a maximum reward amount, then the reward payout for that offer will not exceed that maximum.For 100% back in rewards offers the rewards payout has been the purchase price regardless of whether the purchase price is less than or greater than the advertised price.
10. When will the rewards be noted on the rewards account?Keep in mind that the transaction might update in stages.For an in-store purchase, the transaction information for the purchase should update within several days of purchase. The rewards for the transaction might not update for several days after that.For an online purchase, the transaction information for the purchase should update within several days of the order's shipment. The rewards for the transaction might not update for several days after that. If the purchase is shipped in several shipments, the transaction and rewards will be updated individually for each shipment.
11. How and when will the rewards / bonus rewards be paid out?Rewards are paid out via a rewards card (unlimited use until funds exhausted) that can be printed from the MaxPerk's rewards site.For Business program members, rewards are paid out monthly and are generally paid out in the middle to later half of the month after the transaction. So, the bonus rewards for the purchase of a bonus rewards item in September will generally be paid out in October.For Teacher program members, rewards are paid out quarterly and are generally paid out in the middle to later half of the month in the month following the end of the quarter. So, the bonus rewards for the purchase of a bonus rewards items in July thru September will be paid out in October.If the rewards will be paid out at a different time it will be noted in the bonus rewards terms.
12. Do rewards expire?Yes. Rewards expire the last day of the month 3 months following the month in which they are issued
13. Can rewards be used to purchase gift cards?According to the MaxPerks Rewards program's Terms and Conditions* and the program's FAQ**, rewards can not be used to purchase OfficeMax brand gift cards:How To Obtain and Use Rewards(*)Reward cards are not redeemable for OfficeMax brand gift cards and are not redeemable for cash unless otherwise required by law. No amount of your reward card may be applied as payment to any credit account.**
Are there any limitations as to what items can be purchased using my Reward Card(s)?(**)Reward Card(s) can be redeemed for almost everything OfficeMax sells in stores, by phone and online, except OfficeMax brand gift cards. Cards cannot and may not be applied as payment to any credit account.
Neither the T&C nor the FAQ prohibit the purchase of third party gift cards (e.g. eBay, Lands End, TGI Fridays, etc.) or third party prepaid cards (American Express, Mastercard, Visa) with rewards.That said, some/many/most cashiers/managers will not allow the purchase of third party gift or prepaid cards with rewards.
14. Does the purchase of an item with an 100% back in rewards or a fixed value rewards offer count toward the purchase requirement for the ink/toner recycling program?As long as the purchase is otherwise a qualifying purchase, then yes.Qualifying PurchaseQualifying purchases are any products or services in our stores, catalogs or web site except for computers, gift cards, general use prepaid cards, phone cards, Sprint service plans, sales tax, purchases with a Retail ConnectSM card, purchases made prior to the date of enrollment, and purchases made with your MaxPerks rewards. You will start earning credit for purchases with your MaxPerks member ID number the day you sign up.**Using coupons does reduce the qualifying purchase amount.
15. The terms and conditions of the MaxPerks Rewards for Business program appear to have a $500 purchase requirement before rewards payout? Do I have to purchase $500 worth of items at OfficeMax before MaxPerks pays out the bonus rewards?No, the $500 purchase requirement does not apply to bonus rewards.The OfficeMax MaxPerks rewards programs have two types of rewards: standard and bonus.The standard reward for business program members is $25 for every $500 in qualified purchases. For teacher program members, the standard reward is $10 for every $75 in qualified purchases).Bonus rewards are special deals offered throughout the year. The pay out from the bonus reward deals is not in anyway linked to the $25 standard reward for every $500 in qualified spending. See the following from the program's terms and conditionsHow To Earn RewardsFrom time to time, OfficeMax may also offer its members MaxPerks Bonus Reward opportunities in which members can earn extra rewards (which may vary in amount) for purchasing specified products or completing a required action. To take advantage of the MaxPerks Bonus Rewards special purchase offers, you must have your MaxPerks member ID number at the time of purchase and it must be applied to that purchase. No MaxPerks Bonus Reward adjustments will be made after purchase. MaxPerks Bonus Rewards will be issued in the next statement cycle regardless of your qualified purchase balance.**
(*) - quote from the MaxPerks Rewards for Business FAQs(**) - quote from the MaxPerks Rewards for Business Terms and Conditions DISCLAIMER:The UNOFFICIAL MAXPERKS FAQ is a compilation of information found not only in the official MaxPerks Rewards for Business Terms and Conditions and the accompanying MaxPerks Rewards for Business FAQs but also through my own personal experience and the personal experiences of others as posted to SD and FW.

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