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All Natural 5mm Tanzanite Stud Earrings in .925 Sterling Silver $29 FSwas $119http://www.szul.com/szdProduct DescriptionA pair of flawless, all natural tanzanite gemstones set in solid .925 sterling. A great pair of stud earrings, perfect for every day wear. Tanzanite's weigh approximately 1.20 carat and are hand set and matched onto durable push back post earrings. A beautiful pair of radiant all natural stones featuring excellent color saturation and absolutely no internal or external flaws.
This was in another thread but posted in appropriatelyRadioShack has clearance on various USB devices (mostly Gigaware) as well as small trinkets and LEd light up devices. Some examples:Gigaware USB3.0 2port PCI-e card for $10 on clearance. This is an excellent deal as it has an NEC chipset which should mean a considerable performance gain on even old usb 2.0 devices for those with ATI/AMD/Via USB chipsets. I get ~40MB/s on USB 2.0 devices and ~100MB/s on usb 3.0 devices using a similar NEC chipset card.
http://www.radioshack.com/product/index.jsp?productId=11208658&filterName=CategoryPortable USB hub in certain colors for $6. It has 4 USB ports and a retractable cord. It's about the size of a large swiss army knife.
There were other Gigaware USB hubs but none seemed as good a deal as that.
http://www.radioshack.com/product/index.jsp?productId=3802209 Female microUSB-> Male MiniUSB adapter for $2
http://www.radioshack.com/product/index.jsp?productId=3964621
They also clearancing a large number of LED and touch devices <$10. There was a dome shaped color changing LED USB hub that has a dry erase surface on it for notes, a comboination package of touch activated lightup things for $3, and various other keychain (Swiss Gear) and pocket lightup devices.RadioShack.com Coupons
I'm 'new' in the finance compared to many of you, and the $10,000 most of you can dump into a CD is TONS of money to me... lolWith that being said- i'm hoping to do this with the LEAST cost to us. I have a lifemiles card which i earn points on... (goal is to get disney world tickets free) and I'd love to use that card to pay for the mortgage downpayment, closing cost, etc which we will closing on in 2-3 months depending on if the weather extends us to the 3 month mark. I know this should be possible.... but i'm not sure how. Right now I have the closing money in a easily accessable money market account.What would be the easiest way to earn points on the money?My first thought was to open new bank accounts and fund via lifemiles credit card (to earn points) and then use the money to pay off the credit card. (essentially transfering the money to a new account but earning points in the process)Do you guys have any ideas? My credit is so/so after a divorce whcih I am working hard at rebuilding and straightening out all errors and paying any legit bills. Unfortuantly this puts me out of obtaining alot of the 'better' credit cards, so aiming for a better card is out of the question unless I do a joint account with my grandfather (whom i'm buying the home with) But ideally i'd like to leave him out of it since he doesn't understand it. if he saw a bill come in with 5k due he just may have a heart attack.i do plan to eventually have him and I jointly get a better card to use for all household expenses, that way we'd earn money back (or points or whatever) on things we must pay regardless, and teach him how I charge items, and schedule payment within 48-72 hours so that its essentially as if I'm paying cash and don't go crazy with 'charging' things. I'm just not sure now is the best time with him already feeling over whelmed with the whole buying a home process. I've seen other posts about doing similar transactions but always with the 'better' cards where you can offset the costs, which I do not get any money percentage back on lifemiles, just points. Thanks in advance for any ideas or suggestions!!!
"This is available on Staples at 149.99. I had a chat with Staples and price matched this with Costco for 79.99. Applied 25off 75 coupon from ejunkie at 1.83.
The final price was $58.50.
Nice deal. Thanks."Thank You shydinesh21.DEAD!
Newegg has
Brother HL-2270DW Workgroup Up to 27 ppm Monochrome Wireless Laser Printer with Duplex
for $69.99 + $1.99 ShippingItem#: N82E16828113545LinkNewegg Coupons
I wasnt sure where to post this but here it goes.I started my 30 day Shoprunner trial, I went into my account and went to the cancel membership section.. It gave me a option for 90 days free membership with no auto renewal, so after 90 days it stops your membership with no charges of any kind. If you also make 3 purchases within those 90 days with Shoprunner it will also extend your membership to 1year for free. Im not sure if this will work for everyone so its a huge YMMV
credit to burgerbusinesshttp://www.burgerbusiness.com/?p=9483◙ One of those burgers is from Red Robin, which had told analysts last week that it wasnt going to be bullied by beef costs and would continue with burger LTOs. And on cue, here is the Big Melt Bacon Burger. Its topped with four slices of applewood-smoked bacon, Cheddar and Swiss cheeses, mushrooms and onions sauted in barbecue sauce. In keeping with its media/pricing strategy, Red Robin drops the burgers price to $6.99 while TV advertising airs (from Feb. 29 to March 22). The price goes back up by $3 or so from March 23 to April 29.If you like red robin and bacon, this is a decent deal. Don't forget to use your Royalty loyalty card when you go. It doesn't hurt.Hope this can help someone and thank you for reading this post.
Stats:
Myself Credit score ~790 About 160K in avail credit card lines from churn and AORs, Owe 104K (at 4.75% on house worth about 130K and about 14K in student loan debt at 1.5% rate (will be paid off in about 7 more years), No other debt, just normal bills. Will earn about 65K this year.
Fiance: Just discovered last week credit score about 560, Owes 16K on a car loan at 8.99% for 72 m, 4 years remaining, Owes 37K in student loans for her grad degree (Some were not subsidized, and all will be out of deferment by July 2012 and acruing at 6.8%.) She only has about $500 in credit cards that will be paid off in about 2 weeks. She'll earn around 45K this year.I discovered the issue last week when she was declined for 2 cc apps I had her do for bonuses.
We pulled a report and her credit is not bad, she just has little of it. She basically has like 3 ccs worth about 2K total in lines, but the one she owes on was recently over 500 due to a late fee and its limit is $500 so thats a ding. Looks like she often pays that one a smidge over 30 days normally, but she pays so a slight ding.
She prob got 2 dings for the 2 apps I encouraged her to do.
I am MAD that she did a new car loan 2 years ago at 8.99% for 72m and that is just eating me up inside.
Her student loans should be cut in half soon as she should qualify for a big paydown due to the place shes worked for several years now meeting that requirement.
One thing on her student loans, is on her credit report, 2 of them report like she is "over the limit" because they have been unsubsidized and acruing interest for 2 years. So they report sort of like an over the limit card. She has already been paying on those for the last 6 months consstently.She really doesn't have bad credit, its just the little she has allows a couple small things to make a big ding.She'll be moving into my house in a bit over 2 months.I'm not sure what to attack first. Apparently there is no big student loan consolidation program like I had to reduce the rate.
I'd have her immediately refi the car to a 4 year penfed at 1.99% but based on her score she wont be approved.
She prob lost 30 pts on her score for the two apps I convinced her to do.I would even consider just putting the car in my name to "refi" or buy it, but I dunno how that works as far as insurance and taxes now being in my name, etc.
My current card is paid for as of 3 years ago, but I'm considering buying a another car in the next 6 months and looking for less than 2% to 0% interest at that time.Not sure whether to say, once shes out of her apt lease, that we start throwing $1000 per month at her student loans first, or put an extra 100 towards the car to cut it from 4 years to 3.1 or refi the car to my name and still pay the same extra total and cut it to 2.9 years and save 2K in interest on it.If I took on the car, I'm responsible and I know its my obligation to ensure its paid and I will do so.
I just love FWF and I like to squeeze every dime out I can and It eats me up that shes gotta deal with 8.99% on the car, and 6.8% on the student loans.Thoughts? (Note, if you're feeling inclined to be negative or critical, then please post in another thraad.)
LinkI got the first one for my wife and it was HORRIBLE. Kinect didn't track the player at all. We haven't tried this one, but so far all the reviews are pretty good. It just came out last week so not a whole lot of critic reviews yet though.Demo available here: http://marketplace.xbox.com/en-US/Product/Zumba-Fitness-Rush/66a...Amazon Coupons
andrew mark lamb leather jacket @overstock.com
Overstock.com has Andrew Marc Men's DV Rider Washed Lamb Leather Jacket for $97.74
The only one problem is that this is a final sale-- no returns or exchangesIs this a decent deal or not?
Thanks..Overstock Coupons
I'm posting for the first time - I was looking for decent Mac and happen to notice there are pretty good selection of Apple Mac Mini (REFURBS)- Just in case if anyone looking for one. Most of them are 2011 models.Got one myself $908.43 (After Tax)Refurbished Mac mini with Lion Server 2.0GHz quad-core Intel Core i7
Originally released July 2011
4GB memory

Dual 500GB hard drives

Thunderbolt port with support for up to 2560-by-1600 resolution
HDMI port with support for up to 1920-by-1200 resolution
Intel HD Graphics 3000Please do not hesitate to share your experience with this or similar Mini....
http://1saleaday.com/family/
Choice of 6 Animal Hooded Blankets Machine Washable With Pockets and Soft Plush Fabric1SaleADay Coupons
Lenovo N5902 Enhanced Multimedia Remote w/ Backlit Keyboard $35.99 After Coupon & FS at Lenovo

2.4GHz Wireless Backlit Keyboard
Slide Bar
30 Foot Range
Nano USB Receiver
1-Year Limited Warranty
Was $79.99, now $35.99 after $44 off coupon code "USP1F46678" (exp. 2/27) and free shipping.  (FatWallet Deal Hunter staff posts are certified ad-free. No money, bribes, or candy have been accepted.)Lenovo Coupons
Staples sent out coupons this morning ( which is covered in this thread), one was an instore only coupon, # 43534 for 50% off Cyber Acoustics 3 pc powered speakers CA-3080 Item # 493135The instore price is $37.99 and that's the price that rang up in two stores this morning, but on the website they are only $14.98 and if you look up on the mobile app it clearly shows $14.98 as the online and in-store priceSo if you are interested in this item, show it to the cashier on your phone, or have them look it up on their website and PM to $14.98. then apply the 50% off coupon ( coupon code 43534) for a pretax price of $7.49. I did this at two different stores this morning, was quick and painless. Cashiers and managers were happy to helpStaples Coupons
The site Groupees is offering a "Be Mine" bundle of 6 indie PC games, all activate on Steam.
http://groupees.com/bemineThe bundle is Pay-What-You-Want, with a minimum price of $1. 20% of proceeds go to the charity Child's PlayThe games are:
Xotic ($10 value)
PC Download + Steam Key
BONUS: All 3 DLC packs for Xotic when released.
Sideways New York ($10 value)
PC Steam Key Only
Wasteland Angel ($10 value)
PC Steam Key Only
BEEP ($10 value)
PC/MAC Download + PC Steam Key.
The Ball ($20 value)
PC Download + PC Steam Key.
Nikopol: Secrets of the Immortals ($5 value)
PC Steam Key OnlyAltogether the games would cost $65 bought separately, not counting the other bonuses.Purchases also get a special BE MINE SPECIAL EP, featuring tracks from Damage Vault, Fantomenk, and Celldweller.If the bundle hits $100,000 total sales, an additional 5 albums will be added to the bundle, including soundtracks to The Ball and Beep, and albums from Damage Vault, Fantomenk, and Celldweller.
Text
OfficeDepot.com $199 BlackBerry PlayBook Tablet, 16GB, Black Save With Office Depot   Original Price$499.99 Instant Savings-$300.00 
Your Low Price $199.99
Ultra-portable, super-powerful and built for performance! Brilliant 7" LCD touchscreen is great for web, emails, games and more.
Built-in Wi-Fi networking lets you work and play on the go.Item # 727449 Ultra-portable, super-powerful and built for performance!Brilliant 7" LCD touchscreen is great for web, emails, games and more.
Built-in Wi-Fi networking lets you work and play on the go.
Dual HD video cameras for simple face-to-face video conferencing.
Powerful 1GHz dual-core processor in a tablet format.
Features support for Adobe Flash see the web the way it was meant to be seen.
Seamless integration with a BlackBerry smartphone.
Sleek, stylish and lightweight a pleasure to use and carry!Office Depot Coupons
Verizon Wireless has the HTC Rezound and LG Spectrum Android Phones on sale for $100.00 off right now. This makes them $99.99 each if you are eligible for an upgrade. Sale ends 2/28/12.I was tempted to buy the Droid Razr Maxx on BOGO last week but really liked the screen and replaceable battery of the Rezound a lot more.LinkI will be buying the Rezound as long as I can use my last NE2 credit for the purchase.Verizon Wireless Coupons
From SD:Gillette Venus razors, 16 Cartridges. NIB with Fast Ship on eBay.Just ordered these for my wife since she said she was out. Saw this on E-bay and thought it was a steal.Seller has 99% rating.Just a heads up for those that buy in bulk. At WalMart, 16 razors would run more than $40+tax.LinkeBay Coupons
Dominos
Buy Any Large Pizza at Menu Price & Get a 2nd Large Pizza of Equal or Lesser Value FREE
Offer expires 3/1/12
PIDE AHORA
Use Promo Code: EMTD9YQ6
I just got this info in my E-mail so I thought someone could use it I`m going to be on Friday  This was in my E-mail and I am in the eastcoast right now if that helps 21045 area code
I was watching a hot rod show and they went to GM's plant where they make thousands of V8 crate motors every year and I was wondering again why we paid roughly $12000 total per car altogether for cash for clunkers to take these "gas hog" low mileage engines off the road by destroying them. The government is even a major shareholder in GM. Does this make any sort of economic sense?
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
I realize this is kind of a specific user item but after I missed this on sale at Mountain Gear for $399 last week, I was thrilled to find it at Kittery for considerably less.This is a very well reviewed -20 F down expedition sleeping bag under 4 Lbs. I grabbed the last regular but there are Longs still left. Free ship and no tax (for me in MA)TNF sleeping bag
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.
Stats:
Myself Credit score ~790 About 160K in avail credit card lines from churn and AORs, Owe 104K (at 4.75% on house worth about 130K and about 14K in student loan debt at 1.5% rate (will be paid off in about 7 more years), No other debt, just normal bills. Will earn about 65K this year.
Fiance: Just discovered last week credit score about 560, Owes 16K on a car loan at 8.99% for 72 m, 4 years remaining, Owes 37K in student loans for her grad degree (Some were not subsidized, and all will be out of deferment by July 2012 and acruing at 6.8%.) She only has about $500 in credit cards that will be paid off in about 2 weeks. She'll earn around 45K this year.I discovered the issue last week when she was declined for 2 cc apps I had her do for bonuses.
We pulled a report and her credit is not bad, she just has little of it. She basically has like 3 ccs worth about 2K total in lines, but the one she owes on was recently over 500 due to a late fee and its limit is $500 so thats a ding. Looks like she often pays that one a smidge over 30 days normally, but she pays so a slight ding.
She prob got 2 dings for the 2 apps I encouraged her to do.
I am MAD that she did a new car loan 2 years ago at 8.99% for 72m and that is just eating me up inside.
Her student loans should be cut in half soon as she should qualify for a big paydown due to the place shes worked for several years now meeting that requirement.
One thing on her student loans, is on her credit report, 2 of them report like she is "over the limit" because they have been unsubsidized and acruing interest for 2 years. So they report sort of like an over the limit card. She has already been paying on those for the last 6 months consstently.She really doesn't have bad credit, its just the little she has allows a couple small things to make a big ding.She'll be moving into my house in a bit over 2 months.I'm not sure what to attack first. Apparently there is no big student loan consolidation program like I had to reduce the rate.
I'd have her immediately refi the car to a 4 year penfed at 1.99% but based on her score she wont be approved.
She prob lost 30 pts on her score for the two apps I convinced her to do.I would even consider just putting the car in my name to "refi" or buy it, but I dunno how that works as far as insurance and taxes now being in my name, etc.
My current card is paid for as of 3 years ago, but I'm considering buying a another car in the next 6 months and looking for less than 2% to 0% interest at that time.Not sure whether to say, once shes out of her apt lease, that we start throwing $1000 per month at her student loans first, or put an extra 100 towards the car to cut it from 4 years to 3.1 or refi the car to my name and still pay the same extra total and cut it to 2.9 years and save 2K in interest on it.If I took on the car, I'm responsible and I know its my obligation to ensure its paid and I will do so.
I just love FWF and I like to squeeze every dime out I can and It eats me up that shes gotta deal with 8.99% on the car, and 6.8% on the student loans.Thoughts? (Note, if you're feeling inclined to be negative or critical, then please post in another thraad.)
This was covered many months ago, but I thought it might be a good idea to provide an update.If you're returning a rental car in Orlando, and are filling up the car near the airport, be sure to look at the pump price first.There are two gas stations very close to the airport that charge close to $6 per gallon and unfortunately some people don't realize how much they're paying until they are done pumping the gas, because they didn't have the common sense to check the price.There are many other stations only a few blocks away that charge normal prices that are at least $2 less per gallon than these two stations.This has been going on for years.Sun Gas
5600 Butler National Dr, Orlando - SE, FL
Cross: S Semoran BlvdSuncoast Energys
5928 Butler National Dr & S Semoran BlvdThis one is actually near the outlet mall and is currently charging $5.89 cash price...
Shell
8788 Vineland Ave near Apopka-Vineland Rd
Cass Creek Amplified Electronic Call Speaker $9.99 shippedhttp://www.gearhog.com/was $19.99Use with the Cass Creek Nomad, Ergo or Amplifier calls. Great for Turkey, Deer, Crow, Goose, Moose, and predator calling.* Works with all Cass Creek electronic calls, other brands of game calls and audio devices such as MP3, IPod, CD, and cassette callers
* Amplifying speaker features natural bark camo finish
* 25' and 3' cord
* Lanyard for attaching to trees
* On/off switch
* Uses four AA batteries (not included)
Mr. Beer Refill 2 Pack - BBB - YMMV - $10.00 AC
YMMV...I found this Mr. Beer Standard Booster refill 2 pack being clearanced out at my local BBB. Whispering Wheat Weizenbier
High Country Candian Draft.They had a bunch of these in stock and all kits were the exact same. Cans state that they are good until June 2013. They were marked down to $12.49 and then I used a 20% off coupon. Regular price was $24.99. Pretty nice deal at $5 per batch. Thanks Makieveli OP SD
Mr. Beer Refill 2 Pack - BBB - YMMV - $10.00 AC
YMMV...I found this Mr. Beer Standard Booster refill 2 pack being clearanced out at my local BBB. Whispering Wheat Weizenbier
High Country Candian Draft.They had a bunch of these in stock and all kits were the exact same. Cans state that they are good until June 2013. They were marked down to $12.49 and then I used a 20% off coupon. Regular price was $24.99. Pretty nice deal at $5 per batch. Thanks Makieveli OP SD
Hello All,In 2009, I had a capital loss of 35k. However, my CPA accidently put 70k. It was my fault for not checking it over. In 2010, I had a capital loss carryover of 67k. For 2011, should I amend my taxes to reflect the correct amount or should I just put down a capital loss carryover of 29k (estimated)? I figure the I don't owe any taxes it's just my capital loss carryover is incorrect. Thanks.
LinkJust saw this when I was in Fry's picking something up and don't think it was an advertised deal from any recent Fry's ads.Not mind-blowing, but still a good deal on a great product. ~$45 tops after-tax (normally costs $50 + $5-10 shipping if ordered online).I already owned two Elite 360s - one of them including the PSU, one without - and still couldn't resist picking up another at this price just to have an extra on-hand. Honestly think that for any DIY-er's non-gaming needs (no room for aftermarket/massive HSFs), this case makes the most sense of any to buy for somebody with a wide range of DIY interests - anything from an HTPC to a compact 4-disk RAID/storage server (or even 5 if you could find a 2x5.25" -> 3x3.5" bay adapter/ backplane). Would recommend targeting preferred full-ATX mobo's w/ an alternate 12in x 8.6in form factor, and/or replacement ATX PSU's with a max depth of 5.4-6.3 inches, to provide ample room to work. Could also use an extra 120mm intake fan and a pair of 120mm fan filters to round out the build.
http://lastcall.dailysteals.com/Shipping Charges applyCondition: New
Packaging: Hassle-Free
Warranty: 1 YearProduct Features:
Let the rest of the world know you are listening with the noise activated LED lights on this shirt.
The plastic screen is removable for an easy, safe wash.
Comes in five sizes: Small, Medium, Large, X-Large and XX-Large
Black cotton t-shirt with a sound activated illuminating panel.
Adjustable volume sensor.
Three different designs available.
The battery pack has an on/off switch.
The battery pack can be unplugged for washing the t-shirt.
The t-shirt is hand wash only.
Requires 4 x AAA Batteries (not included).What You Get:
Sound Activated LED T-Shirt (Choice of Equalizer, Cube, Sunglasses; Size S, M, L, XL, XXL)
Hey everyone, so have been looking at houses recently and found one we really like. It's a new construction around 280,000 in upstate new york, been on the market for about 2 months. We then met with our financial guy from the realty place and setup the preapproval process.My wife and I had our credit scores checked and all three of mine came back over 800 but hers came back at 639. Wasn't sure why cause when we got our apartment hers I remember was over 700 two years ago. I pulled her experian credit report and she has been linked to her parents two credit cards for a long time (which I think was helping her score for a while but I've noticed now that her parents have been paying for her other sisters college and things and the two cards she's linked to have both been at or over 50% for numerous months over the last 2 years, and basically now there we can see that those two cards are carrying balances of about $23,000 month to month which I think is really hurting my wife.) So my question is since these are her oldest two cards are her best options:1. Seeing when her parents plan to have these paid down and stay linked to the two cards.
2. Cancel her accounts on those two cards (they are her two oldest accounts)
3. Cancel those two accounts and link her to my 3 credit cards (no balances on them, and about $20,000 credit line total for the 3)The guy said my credit and income were good enough to be pre-approved on my own for a rate of 4% even with 1/4% point fee. That seemed pretty good to me and we will be putting down about 10% since we also need to pay the property taxes etc etc. (we have about $35,000 to $40 saved) and PMI until we reach 20% paid off.Does that seem like a good rate and fee?one last question for anyone with experience. If we make an offer on this house that's listed at 283,900 is 260,000 a fair first offer or is that too low/too high.Thanks everyone for all the help.
This was been covered many months ago, but I thought it might be a good idea to provide an update.If you're returning a rental car in Orlando, and are filling up the car near the airport, be sure to look at the pump price first.There are two gas stations very close to the airport that charge close to $6 per gallon and unfortunately some people don't realize how much they're paying until they are done pumping the gas, because they didn't have the common sense to check the price.There are many other stations only a few blocks away that charge normal prices that are at least $2 less per gallon than these two stations.This has been going on for years.Sun Gas
5600 Butler National Dr, Orlando - SE, FL
Cross: S Semoran BlvdSuncoast Energys
5928 Butler National Dr & S Semoran BlvdThis one is actually near the outlet mall and is currently charging $5.89 cash price...
Shell
8788 Vineland Ave near Apopka-Vineland Rd
Was looking for some wire shelving (with or w/o casters) and ran across this amazing Amazon dealAlera SW604818BA Complete Wire Shelving Unit W/caster 4-shelf 48w X 18d X 72h Black Anthracite
http://www.amazon.com/Alera-SW604818BA-Complete-Shelving-Anthrac...List Price: $9,900.00
Price: $84.99
You Save: $9,815.01 (99%)Apparently the market for Black Anthracite had taken a nosedive.Amazon Coupons
Croft & Barrow Easy-Care Classic-Fit Flat-Front Pants
regular $45.00sale $19.99Classic fit, contemporary style, Croft & Barrow. Experience the best of both worlds in these men's flat-front pants. Shop our full line of Croft & Barrow for more fashionable men's clothing.
Flat front offers modern style.
Comfort waistband ensures a flexible fit.
Wrinkle-free finish eliminates the need to iron.
Details: 4-pocket
Zipper fly
Cotton/polyester
Machine wash
Imported 
Croft & Barrow Easy Care Classic-Fit Flat-Front Jeans
regular $45.00sale $19.99
Dependable denim from Croft & Barrow. These essential men's jeans give you a timeless, approachable look. Rely on Croft & Barrow for practical pants.
Classic fit sits at the waist and is relaxed through the hip and thigh with a traditional leg opening.
Flat-front design offers a modern look.
Easy care, wrinkle-free finish reduces the need to iron.
Details: 4-pocket
Zipper fly
Cotton/polyester
Machine wash
Imported Kohls.com
Home Croft & Barrow Easy-Care Classic-Fit Flat-Front PantsCroft & Barrow Easy-Care Classic-Fit Flat-Front Pants
TextKohl's Coupons
http://www.amazon.com/dp/B004NBZ8DQ/re   
Was posted as a deal at $130 here
http://www.fullofdeals.com/forums/hot-deals/1168529/Amazon Coupons
This was one of the app(the iPhone one) that was in one of the starbucks weekly give away. It's now free for a limited time!
Now both the iPhone and iPad ones are free!iPhone link: http://itunes.apple.com/us/app/madpad-remix-your-life/id45607232...
iPad link: http://itunes.apple.com/us/app/madpad-hd-remix-your-life/id46030...
Petco.com has their Large and Extra Large Remington Plastic Dog kennels on sale. Online only. Free shipping. I tried to stack a coupon on it, but it wouldn't take it. Still a great deal for nice kennels.Large (36" L X 26" W X 28" H) - $49.97
Extra Large (40" L X 27" W X 30" H) - $73.99Click HereOh, forgot to add, it says ships in 5-7 days on site, but I ordered one last Tuesday and it arrived at my house on Friday. It was shipped FedEx ground.PETCO.com Coupons
Aberdeen Rust 7-piece King-size Comforter Set $51 shippedwas $100http://www.overstock.com/Bedding-Bath/Aberdeen-Rust-7-piece-King...Overstock Coupons
Great Deal on the MathTacular Educational Kit which contains a child friendly version of the MathTacular 1 DVD along with all the math manipulatives needed to create a hands-on interactive experience. The Kit also includes an additional Math Manipulatives Guide which shows you how to get the most from each of the manipulatives included in this kit. The DVD included in your Educational Kit contains most of the activities included in the MathTacular 1 DVD, but focuses on the activities which can be done with the included manipulatives.The MathTacular Educational Kit is designed as a full math supplement for your Pre-Kindergarten through 2nd Grade math student. The MathTacular Educational Kit was created for a wider, non-homeschool specific audience. This is an excellent complete package which you can give to a student from any educational background.http://www.mathtacular.com/products/MathTacular%C2%AE-Educationa...
Amazon. Freshwater Pearl and Sterling Silver Necklace on Diamond-cut Bead Chain. Now 38.95 was 110.99. Amazon Prime customers receive free 2 day shipping. Eligible for free super saver shipping.http://www.amazon.com/dp/B006CRHAA8/Product Features
Original freshwater pearls
Imported from Italy
Quality Sterling silver lobster-claw clasp
Tarnish resistant Rhodium plated Sterling silver
Product Description
Beautiful necklace of six criss-crossed strands of glittering diamond-cut bead chain adorned with white freshwater pearls and round yellow glass beads. 16 inch length. Sterling silver lobster-claw clasp. Imported from Italy.Amazon Coupons
Lunetta 6.6 CREE XRE LED Flashlight by Phoebus $113 FSwas $189http://www.gearhog.com/Features
3 CREE XRE LEDs.
110 volt charger and three 3.7 volt Lithium Ion batteries included.
3 hours at 100% or 10 hours at 25% per charge.
Aircraft grade aluminum bezel and body.
Matt black anodized finish.
Four position tail switch activates the flashlight at 100%, and 25% intensities and a strobing mode for emergency signaling and defense.
On sale at BB Outlet. It was $229.99 now $199.99. Free ship to store.
Go through Shop Discover for 5% CashBack and of course BB rewards.
I'm buying this camera to convert to infrared only at LifePixel so I don't care that it doesn't have a flash. Better in low light than a PL-1. I already own a PL-2
http://www.bestbuy.com/site/Olympus+-+E-P1+12.3-Megapixel+Digita...Best Buy Coupons
The highlights I like are:
Acer 24" 1080p monitor for $129 (usually $150-200)
Samsung 15.6" 4GB CORE i3 laptop with 320gb HDD for $419.99 (free ship)
4GB Lenova ThinkCentre Pro Desktop. Pentium E6600 3.06GHz with Win7 Professional 64-bit $349.99
32" Samsung LCD $279.99
Here's the link, not sure if it will work beacuse it was an email offer. Attached is PDFTigerDirect.com Coupons
http://www.giveawayoftheday.com/
February 20, 2012Reinstall DirectX EZ is actually a DirectX Toolkit for game lovers. It can help users to remove fatal DirectX errors effortlessly and reinstall DirectX to the PC conveniently. Reinstall DirectX EZ is developed to resolve fatal DirectX errors. It knows all what game lovers need, make all the DirectX solutions integrated into one toolkit. Any DirectX problem can be solved by using Reinstall DirectX EZ! Traditional way to solve fatal DirectX errors needs to reinstall the entire operating system. With Reinstall DirectX EZ, you dont need to waste time on system replacement any more. All tasks can be done within a few clicks.
The program is available for $19.95, but it will be free for our visitors as a time-limited offer
Hey guys,I have a primary job and receive a W2.
Im single, W2, and student loan interest is the only thing I write off.Now comes the more complicated but not really complicated part. I did some consulting work that they paid me in 2011 for just about $5200.00 on the side in April.I completely forgot about it because I wasn't getting any more gigs and I didn't do anything else after that.So I receive a 1099 box 7 from that side work. I've never had my own business nor want to continue doing consulting on the side (2011 was the only year I received payment and will probably never do this again)I need to somehow go back and find business expenses to lower my tax liability. The problem is that Im not very good in bookkeeping and did not record any business expenses.Can I go back and find things that I used for business purposes and create a spreadsheet today?
At the first of the year, I was helping my mother-in-law work through some financial issues and discovered that she had a large number of Series EE Bonds that had gone past their maturity - some for at least 10 years. I had her redeem the bonds and the proceeds were $21,000. Besides the obvious problem of the bonds not collecting interest for quite some time, I'm trying to help reduce her tax liability this year.I've read that the tax is due on the bonds in the year they matured - not the year that they are redeemed (if past maturity). Some of the bonds matured in the past three years, so it shouldn't be a problem to go back and amend the returns for the years those bonds matured. The question I have is whether I can spread out the other bonds (those that matured earlier than three years ago) on those returns or if I need to report that interest earned in this year's return.
I'm doing my 2011 taxes right now and was going through my paperwork from my 2010 taxes and didn't see my Scottrade 1099-B. Interesting. So, I went back through last year's taxes on Turbo Tax and sure enough I didn't enter any taxes for my stock earnings in 2010, which totaled $18,000! Isn't the IRS given an electronic copy of the 1099-B from Scottrade? Shouldn't their system have picked up that I didn't enter anything? I'm shocked I haven't been contacted from them about this. My devilish side is saying, hmmm, honest mistake, keep your mouth shut. The angel on my other shoulder is whispering into my ear to do the right thing.Talk some sense into me!
I was shopping at WalMart yesterday and noticed this coupon. Buy any 2 K special cereal (12 oz or more) and get a kellogg's protein product (upto 6.99) free. There was a sticker posted on the 18 oz boxes about this deal and the cashier scanned the coupon behind the sticker after peeling off the sticker. The coupon was valid till April.At my local WalMart, the 12oz boxes were 2.99 each and the kellogg's protein shake was some 5.xx. This was in NorCal.So I got 2.99*2 + kelloggs protein product price (5.xx) - 6.99 (coupon) + tax.
Note: Not all the 12oz boxes had this coupon pasted on them, so YMMV.
This was one of the app(the iPhone one) that was in one of the starbucks weekly give away. It's now free for a limited time!
Now both the iPhone and iPad ones are free!iPhone link: http://itunes.apple.com/us/app/madpad-remix-your-life/id45607232...
iPad link: http://itunes.apple.com/us/app/madpad-hd-remix-your-life/id46030...
Just Got a mailer for 75$ to testdrive a GS350 at Lexus dealer. This is a targeted offer, so check your trash. Take flyer to dealer and they fill in dealer validation code. Then you register online www.lexusoffer.com. When you take the card to the dealer and do a test drive he completes the card with a dealer code and VIP number which you can register online.Drove on 2/18. Will report back when gift card arrives. You get 75$ Visa debit card after you complete process. I test drove a GS350 sport. Nice car, but 59k is a little pricey. We might go for the RX350 it was really nice.Looks like it is back again, here is original post from 2010http://www.fullofdeals.com/forums/hot-deals/994251/Flyer was black with a gs350 on front.Must be done by March 25 2012. I will try to attach a scan of the flyer. Pittsburgh dealer validation code was GS63730.
Scenario
I started my 100K whole life ins some 20+ year ago
as of Feb 2012
Total Death benefits: 118K
Cash value: 26K
Annual premium: 1Kdeath benefit for the past 6 years
delta
2006: 111.6K
2007: 112.8K1.2K
2008: 114.5K1.7K
2009: 115.4K0.9K
2010: 116.1K0.7K
2011: 117.0K0.9K
2012: 118.7K1.7KCouple weeks ago I told my agent that, I pay about 1K/yr, but the death benefit only increase around (on AVG) 1.1K/year, why don't I stop paying the premium, but still keep the policy, and invest that 1K/yr somewhere else.
He then suggest me to use my cash value to buy another (2nd) WL insurance, info below
2nd WL policy
death benefit: 100K
premium: around 3K/yrAgent: As long as you keep paying 1K/yr on the orig policy, the 2nd policy will be paid by the cash value of the first policy.
me: I only pay $1K/yr on first policy, 2nd policy is $3K/yr, orig policy has around 26K in cash value, thus after a while it will be depleted, would I require to make more payment?
Agent: the table was generated from the company's program thus it should be correct, and I should NOT be required to make additional payment in the future.I'm thinking of doing this, but I like to hear comments from the FW community, thanks.
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
On sale at BB Outlet. It was $229.99 now $199.99. Free ship to store.
Go through Shop Discover for 5% CashBack and of course BB rewards.
I'm buying this camera to convert to infrared only at LifePixel so I don't care that it doesn't have a flash. Better in low light than a PL-1. I already own a PL-2
http://www.bestbuy.com/site/Olympus+-+E-P1+12.3-Megapixel+Digita...Best Buy Coupons
A coupon prints up upon checkout for a free flu vaccine shot
from Winn-Dixie with a $50 grocery purchase. There was also a sign in the pharmacy area advertising this.
Offer expires 02/29/12.
The regular price is $24.99.
This Winn-Dixie is in Jacksonville, FL.
I don't know if it works in all other Winn-Dixie stores or not.
Winn-Dixie Pharmacy Link
Amazon Sterling Silver Rolo Chain Necklace with Freshwater Pearls & Glass Beads $19.95 FS with primewas $64.99eligible for FREE Super Saver Shippinghttp://www.amazon.com/dp/B006CRHCVU/Product Description
A single strand of large white and pink freshwater pearls and round, clear and watermelon colored glass beads are stationed around a 16 inch Sterling silver rolo style chain on this lovely necklace. Sterling silver lobster-claw clasp.Amazon Coupons
On sale at BB Outlet. It was $229.99 now $199.99. Free ship to store.
Go through Shop Discover for 5% CashBack and of course BB rewards.
I'm buying this camera to convert to infrared only at LifePixel so I don't care that it doesn't have a flash. Better in low light than a PL-1. I already own a PL-2
http://www.bestbuy.com/site/Olympus+-+E-P1+12.3-Megapixel+Digita...Best Buy Coupons
Amazon Slim-Fast! 3-2-1 Ready To Drink, 10 Ounce (Pack of 4). $ 5.99, was 7.99. Amazon Prime customers receive free 2 day shipping. Eligible for free super saver shipping.
http://www.amazon.com/dp/B005KUUVZY?me=ATVPDKIKX0DER
Product Features
Flavor: Cappuccino Delight
Pack of 4, 10-ounce convenient, re-sealable bottles of Slimfast 3 2 1 Plan Shakes
180 to 190 calories for each ready-to-drink shake
Up to 4 hours of hunger control with 10 grams of protein and 5 grams of fiber per bottle
One-Third of your recommended intake for most essential vitamins and minerals
For use as part of the Slim-Fast 3-2-1 Plan ?Amazon Coupons
This is Consumer Reports top rated top load washing machine. Regular price is in the $900-$1000 range. Best Buy has it for $750 for Presidents Day Weekend Sale. Pricematch to Lowes brings it down to $675....apply a free 10% movers coupon obtained from the Post Office (YMMV, but I had no problem applying the 10% coupon after pricematch).Bonus this weekend for those living in MD as there is a sales tax holiday on energy star appliances...no 6% sales tax.Also, for BGE customers, this qualifies for a $100 energy star rebate provided by BGE.Final price for me after rebate....507.49
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
Gibson 40 pc. Majestic or Treasure Stainless Steel Flatware Set NEW
http://www.ebay.com/itm/Gibson-40pc-Majestic-Stainless-Steel-Fla...
Features: Stainless steel
Dishwasher safe
Superior stain resistance and durability
20 pieces:
8 salad forks
8 dinner forks
8 dinner knives
8 tablespoons
8 teaspoons
Model 62008-20eBay Coupons
Logged onto my FIOS account tonight and noticed a promotion for 50% off HBO for 12 months. This was not in an ad banner or other promotional area (that I noticed at least). The promotion was available on the "add/change channels" to your plan page. The promotion said offer was valid today, but I am not sure if it expires today or not. I am in the DC area - I know many promotions are regional.Verizon Wireless Coupons
I was reading autoblog the other day when I saw this article posted:http://www.autoblog.com/2012/02/16/this-is-why-you-need-a-dash-c...Basically, the guy who had the camera was stopped on the freeway when the car in front of him started rolling backwards into his car (or maybe reversing) -> fender bender. The owner of the car who rolled backwards tries to get $500 cash from the guy with the camera under the assumption that he would not be at fault, but unbeknownst to him the whole thing has been captured on video. Possible scam averted and deductible saved.This seems like pretty good protection in areas where there is a lot of insurance fraud. Does anyone have any experience with one of these cameras? Are they more trouble than they are worth (ie someone might want to break into your car to steal the camera when it is parked)?
All this time reading FW, I have not seen it mentioned, so please don't crucify me for mentioning it.Had about $250 in gift cards accumulated from Best Buy and saw an ad for the X-Box with $75 gift card with the purchase, and decided to take the plunge.In my FW ways, I went through the Discover website to get the 10% Cash Back that was double the usual 5% in december. Placed the order for around 420 + Tax (446). Paid the $250 in gift cards and the rest ($196) with the Discover Card. To my surprise, I was credited with 10% for the whole purchase before taxes ($420). Ended with $42 over a $196 purchase - 21% Cash Back.Is this normal, or just a one time glitch? Anyone else with the same experience when paying with both methods at any other store? Because if this is the norm, then I can buy gift cards at the supermarket with the blue cash preferred and pay a small amount with discover or chase and get recognized for the full Cash Back amount in the card.
My cousin was living Ohio for grad school last year on a green-card, he made ZERO in employment income but made about $950 in interest income.In July, when his school ended, he moved in with his wife in the good old state of Michigan. Again, here he made no income, but all his mail that came, bank accounts, drivers license shows his family address in Ohio (some sites say to file in the state where your bank statements go).They both got married in June '11, his wife is a doctor in training (resident) and they are seeing if they are better off filing joint, joint (separate) or according to him "file as single" - why? I have no clue.I don't know the answer(s) and so thought I'd ask here: What state taxes does he have to file in? One? Both? I saw him doing his taxes online and thought I would double check before telling the kid to proceed. HnR said to come in for a consultation but gave no answer over the phone.
TIA
Frys is clearing out their Dyson DC24 Animal vacs for $299. Picked one up yesterday in Irving, TX new in box. It was their last one. Here's the link. Seems like a pretty good since Amazon has them for $479.99.
I'm a long-time member, but am using a different name to maintain anonymity due to the circumstances. So, here's the deal...Over a year ago I was hospitalized for several hours due to a skiing accident. The brief stay, including such things as X-rays and a CAT scan totaled over $13,000. It should be noted that I retrieved the medical records and I was not charged for any treatment that I didn't actually receive, but the charges for the treatments I did receive were excessive (i.e. they charged roughly $5,000 for the CAT scan alone). Anyhow, the "insurance negotiated rates" were exactly 90% of the total charges. This exceeded my health insurance deductible, so although the insurance covered the majority of the bill, I was still left with a bill of around $4,000 due to the deductible and coinsurance.The debt has now gone to collections. I have been contacted by the collection agency. I'm not sure if speaking to them was a bad idea, or not, but they basically told me that if I could settle within 30 days, nothing would go on my credit. They told me that with regards to a balance due after insurance, they normally do not offer settlements, but that they were willing to offer me 15% off in this case. From reading here, I was under the impression that they generally would settle for half or even less.Is there anything I can do to get them to settle for less?
67% off Sterling silver four-strand cable chain necklace with white and champagne freshwater pearls accented with pale yellow and green faceted glass beads. Now 29.95, was 89.99. Amazon Prime customers receive free 2 day shipping. Eligible for free super saver shipping.http://www.amazon.com/dp/B006CRHAUI/Product Features:
Original freshwater pearls
Imported from Italy
Quality Sterling silver lobster-claw clasp
Tarnish resistant Rhodium plated Sterling silver
Product Description:This delicate four strand freshwater pearl necklace features gorgeous white and peach colored pearls and small, pale yellow and green faceted glass beads on 16 inch Sterling silver cable chains with a lobster-claw clasp. Imported from Italy.Amazon Coupons
Get a Red Royalty Card at any RED ROBIN RESTAURANT and register it online to get a FREE APPETIZER.
REWARD PLAN............................................REWARD
=============================================================
Royalty 5 Visits in 5 Weeks...................$20.00 Discount(1)
Royalty Buy 9, Get 10th Free..................1 Free Item(2)
Birthday......................................1 Free Gourmet Burger(3)
Registering Card Online.......................1 Free Appetizer(1) Expires in 5 Weeks of joining club, See below
(2) Mix or match Gourmet Burgers, salad, sandwiches or entrees
(3) Valid month of your birthday
PLEASE NOTE:
============
Visit a participating Red Robin restaurant, pick up a Red Royalty Card and Register it here to begin reaping the benefits of Royalty. One reward redeemable per visit. If you have more than one reward available for redemption, the higher priority reward will be redeemed on your next visit and the unredeemed reward will remain on your card until your next visit. RED ROYALTY REWARDS
===================Reward Redemption Order * 1. Registration Reward
* 2. Surprise & Delight Rewards
* 3. 5 Visits in 5 Weeks, $20 Reward on 6th visit
* 4. Birthday Burger
* 5. Buy 9 items, Get the 10th item Free REGISTRATION REWARD
===================
Upon registering a Red Royalty card at www.redrobin.com/redroyalty, a free appetizer reward will be placed on the card. In order to receive the reward, the member must visit a Red Robin restaurant within 14 days and order the appetizer. If there is another reward available in addition to the Registration Reward, the Registration Reward will take priority and be redeemed first since it is a limited time offer. SURPRISE AND DELIGHT REWARDS
============================
Occasionally throughout the year, members will receive email notification regarding Surprise & Delight Rewards that are available to them as a registered member. These rewards are limited time offers and can only be redeemed during a designated time frame. Because of their redemption restrictions, these types of rewards will take priority over any other reward except the Registration Reward. 5 VISITS IN 5 WEEKS
===================
If a member visits 5 times in the first 5 weeks of activating their card in restaurant, they receive a $20 reward to be redeemed on the 6th visit. In order for a visit to count towards this reward, the member must purchase a burger, entre, full-sized salad or sandwich. Kid's Meals, dinner / side salads, appetizers, soups, desserts or beverages on their own do not count as a visit. Because of the high value of this reward, it takes priority over any other reward except those with a limited redemption window (the Registration Reward and Surprise & Delight Rewards). Once this reward is earned, it remains on the member's card until their 6th visit or the first visit in which the 5 in 5 is the highest ranked reward, whichever comes first. The entire value of the reward must be used during the redemption visit. If the entire $20 is not used, the unused portion will be lost.
BIRTHDAY BURGER
===============
During the month of the member's birthday, a free burger will be placed on their Red Royalty card. In order to receive the reward, the member must visit during the month of their birthday and order any of Red Robin's Gourmet Burgers. If the member visits and orders a burger, but also has the Registration Reward available, the Registration Reward will be redeemed first since it is a limited time offer. Since the burger was ordered during the month of the member's birthday, it will remain on their Red Royalty card and be available for redemption during their next visit. BUY 9 ITEMS, GET THE 10TH ITEM FREE
===================================
Every time a member visits and orders a burger, entre, full-sized salad or sandwich, they receive a credit. Kids' Meals, dinner / side salads, appetizers, soups, desserts or drinks do not count as a credit towards this plan. Once a member has accumulated 9 credits, the 10th burger, entre, full-sized salad or sandwich ordered will be free. If a member uses their card and their order includes 2 burgers and 1 entre, the member will receive 3 credits towards this plan. Once a free item is earned, it remains on the member's card until it is redeemed. It does not expire. This reward will restart as soon as it is achieved. CHANGES TO THE RR PROGRAM OR REWARDS
====================================
We have the right at any time, with or without giving you prior notice, to: 1. end the RR Program and/or any specific Reward;
2. change any Reward or other RR Program benefit we offer;
3. change the requirements for earning a particular Reward;
4. change the time you have in which to earn a particular Reward; and
5. change any other feature of the RR Program..If we decide to end the RR Program or a specific Reward, we will provide you 90 days notice either by emailing you at the email address listed in your RR Account or by posting a notice on www.redrobin.com/RedRoyalty. Rewards accumulated under the RR Program have no cash value, and upon termination of the RR Program or a specific Reward, Rewards earned but not used by you as a result of your participation in the RR Program will expire and will not be redeemable for cash or any other form of compensation.To the extent permitted by law, you agree that when you enroll in the RR Program you are agreeing to waive your rights under any law that may require us to obtain judicial permission to change these Rules or to end the RR Program.
RESTRICTIONS
============
Each member of Royalty must have a separate unique registered RR Card and a unique email address. If you present your RR Card to the server, then your purchase will be applied to your RR Account. If you dine together with several members, and you each have your own RR card, then inform your server that you would like each member's respective purchases to be applied to each member's respective RR Accounts. Rewards are non-transferable and cannot be shared with family members, friends or other Royalty. HOW AND WHEN MEMBERSHIP MAY END
===============================
You may cancel your RR Card at any time. To cancel your RR Card, you may opt-out of the program from a Red Royalty email communication unsubscribe link, or click here to send a Red Royalty inquiry. As soon as you cancel your RR Card, all Rewards earned and not used will be cancelled. It is important to note that opting out from receiving emails from Red Robin International, Inc. will automatically remove you as a member of the RR Program.We may cancel your RR Card if we determine that you are not eligible to be a member of the RR Program or that you have violated these Rules. We may cancel some or all of your earned Rewards if we determine that you received the Rewards due to an error, through fraud or deception, or in any manner not authorized by these Rules. LIMIT ON LIABILITY
==================
In this Limit on Liability section of the Rules, Red Robin International, Inc. and its parent company, subsidiaries, their directors, officers, employees, agents, and Red Robin International, Inc.'s franchisees and their parent companies, subsidiaries, directors, officers, employees, and agents are referred to as the Red Robin Parties. By enrolling in and participating in the RR Program, you agree that none of the Red Robin Parties shall be responsible or liable to you for: (1) any claim, loss, injury, damage, delay, accident, cost or expense, including attorney's fees, arising out of or related to the RR Program, these Rules, and the Website; (2) any incidental, indirect, special, punitive, exemplary or consequential damages, arising out of or related to the RR Program, these Rules, the Website, (3) any failure, delay or decision by Red Robin Parties in administering the RR Program, or any unauthorized use of your RR Card; (4) any data security breach as to the information you provide to enroll in the RR Program that is beyond our reasonable control; (5) any representation, claim, offer or statement we make about the RR Program; and (6) any Rewards you receive through the RR Program.In no event will the Red Robin Parties be liable to you for more than $50 in the aggregate on account of all wrongful acts or omissions by the Red Robin Parties arising out of or relating to the RR Program.
NO GUARANTEE
============
Red Robin International, Inc. does not represent or warrant the accuracy or completeness of the information contained in the Website or that the Website will be available to you 100% of the time.
WHICH STATE'S LAW CONTROLS
==========================
The law of the state of Colorado, without regard to its conflict of laws rules, will govern your enrollment and participation in the RR Program and our performance of our obligations under the RR Program.If applicable law prohibits us from offering the RR Program to you, then you may not participate in the RR Program. If applicable law prohibits us from offering you a feature of the RR Program, then we may either not offer you that feature of the RR Program or drop you from the RR Program.
CHANGESWe may need to revise these Rules as needed. If we do change the Rules, then the revised Rules will be substituted for these Rules.
Red Robin Rewards - NEW TERMS & CONDITIONS - Please Read BEFORE visiting Restaurant.
Didnt see this posted so I thought id share. I was using a HL-2140 from a 2008 Staples FW deal and it has been one of the most reliable machines I've ever used. So I thought id stick to brother and this HL-3070CW seems great, and brother toners are easy to refill. (should you choose that route)Staples LinkYou can stack Staples ink rewards and E-junkie coupons as well for an even bigger discount!This printer has both wired and wireless as well as USB connections.My total came to:Subtotal:$199.99
Coupon Total:$50.00 ($20 instant, $30 off 150)
Delivery:$0.00
Tax:$9.37
Total Ordered:$159.36
-$50 Visa -$50.00
_______________________

TOTAL - $109.36
Id be suprised to see a much better deal on one of these right now.Also, Staples also has the HL-3040CN for $99.99 After $50 Visa rebate, use 25 off 100 for a sweet deal on a color laser!Staples HL-3040CN LinkStaples Coupons
Amazon. Tom & Jerry Golden Collection: Volume One [Blu-ray] (1998) Now 22.99 was 34.99. Amazon Prime customers receive free 2 day shipping. Eligible for free super saver shipping.
http://www.amazon.com/dp/B0058O1FHK/During the '40s, MGM's Tom and Jerry series was animation's gold standard, challenging Disney in the Animated Short Film Oscar category. The lavishly produced shorts featured polished animation, brash slapstick gags, and lush watercolor backgrounds. The series, which began in 1940 with "Puss Gets the Boot," ran for 15 years and won seven Oscars. Many of these cartoons follow the pattern set in "Puss Gets the Boot": housekeeper Mammy Two-Shoes (voiced by Lillian Randolph) warns Tom that if he makes a mess or fails to catch the mice, he's out on his ear ("O-W-T, out!"). Jerry overhears the threat and makes trouble. In cartoons where Mammy doesn't appear, Jerry finds other reasons (or excuses) to cause problems for Tom. But the stories are only fast-paced vehicles for the animated gags, like Tom's exaggerated jitterbug in "Zoot Cat" or his jaw-dropping, bug-eyed "takes" in "Mouse Cleaning." The Golden Collection features cartoons from 1940 to 1948, and includes the Oscar winners "The Yankee Doodle Mouse," "Mouse Trouble," "Quiet Please!" and "The Cat Concerto." The transfers were made from excellent prints and look terrific. Unlike previous re-dubbed video releases, Mammy Two-Shoes' dialogue is presented intact, although the subtitles offer the cleaned-up versions from the previous Spotlight Collection. In "Old Rockin' Chair Tom," she declares, "If you is a mouser, I is Lana Turner, which I ain't"; the subtitles read, "If you're a mouser I'm Lana Turner, which I'm not." An introductory statement proclaims that the ethnic stereotypes "were wrong then and are wrong today," which misses the point. The stereotypical African-American maid and blackface gags were considered good fun and good taste in the era of Amos and Andy; that they are no longer acceptable reflects the social progress of the intervening decades. (Unrated, suitable for ages 7 and older: cartoon violence, ethnic stereotypes) --Charles Solomon
(1. Puss Gets the Boot, 2. The Midnight Snack, 3. The Night Before Christmas, 4. Fraidy Cat, 5. Dog Trouble, 6. Puss 'n' Toots, 7. The Bowling-Alley Cat, 8. Fine Feathered Friend, 9. Sufferin' Cats! 10. The Lonesome Mouse, 11. The Yankee Doodle Mouse, 12. Baby Puss, 13. Zoot Cat, 14. The Million Dollar Cat, 15. The Body Guard, 16. Puttin' on the Dog, 17. Mouse Trouble, 18. The Mouse Comes to Dinner, 19. Mouse in Manhattan, 20. Tee for Two, 21. Flirty Birdy, 22. Quiet Please! 23. Springtime for Thomas, 24. The Milky Waif, 25. Trap Happy, 26. Solid Serenade, 27. Cat Fishin', 28. Part Time Pal, 29. The Cat Concerto, 30. Dr. Jekyll and Mr. Mouse, 31. Salt Water Tabby, 32. A Mouse in the House, 33. The Invisible Mouse, 34. Kitty Foiled, 35. The Truce Hurts, 36. Old Rockin' Chair Tom, 37. Professor Tom)Product Description
Features include: MPAA Rating: UNRATED
Format: Blu-Ray
Am planning on buying a $500k - $600k home later on this year. I have 20% cash saved already and will have ~$50k - $70k leftover as well for reserves, furniture, new car, etc. With no debt and a FICO of nearly 800 and ~3x household income I imagine I shouldn't need to put more down. I do, however, have another $100k sitting in a balanced fund purchased gradually over the last decade. I realized some losses on it in 2009 so it all looks like big gains but have a lot of losses left to carryover still. Compared to cost basis I'm probably up on average and for most shares but a few are underwater, again the losses having already been realized. Not that it matters anymore what I bought those shares at, should I sell it and put the funds into the house or leave it in the market? I still have another comparable chunk of money sitting in separate funds which I wasn't planning on touching as well. If I should sell, then how much and over what time period? I'm not much of a market timer clearly but the market looks pretty frothy right now, especially Europe.
I believe this app was just released a few days ago and it's free, so im just sharing this.http://itunes.apple.com/us/app/monopoly-hotels/id479412611?mt=8MONOPOLY Hotels
By Electronic Arts StoreDescription
ARE YOU A HOTEL MOGUL? Buy, build and manage MONOPOLYs iconic hotels in this all-new MONOPOLY experience! Check-in to MONOPOLY Hotels for FREE!LET THE MONEY ROLL IN ONE ROOM AT A TIME, AS YOU
Take control of MONOPOLYs luxurious 5-star hotels, from Mediterranean to Boardwalk.
Upgrade hotel rooms and attract VIP guests, like MR. POTATO HEAD and other HASBRO characters.
Customize your hotel with fun attractions like cupcake shops, movie theaters and bowling alleys.
Keep the lights on by managing utilities like the Electric Company and collecting rent from guests.
Expand your property empire beyond hotels with aquariums and other world-class attractions.
Learn the secrets of hotel management and how to Own It All from MR. MONOPOLY himself!
Connect with friends via Origin.Buy it, build it and bank it for FREE!DO NOT DISTURB THE FUN!
Check-in every day for a Daily Go Bonus and reward yourself for 5-star hotel management. With unlockable challenges and plenty of updates like new properties, characters, holiday packs, and more there are plenty of reasons to extend your stay.Pass GO and get building today!
TRU advertised "All Star Wars on Sale! 30% off top selling star wars toys*" And the exclusions are DVDs, Blu-rays, Video games and Video game hardware.Talked to the manager, and he agreed and had to adjust anything that I bought (LEGO's for the most part which were only ringing in at 10%).YMMV...Free Darth Maul 2GB USB flash drive with $35 Star wars purchase. I tried to see if it would work on the R2D2 (which looks great), but would not go thru.Anyone else had a similar experience? Hard to believe this wasn't posted.Deal ends tomorrow.
This is the first deal I've ever posted so play nice, please. Coach is offering Facebook fans a rare discount on their retail collection. 25% off any item on their full-priced retail website or Coach stores. Standard shipping (3-5 day) appears to be free, but I don't know if it requires minimum purchase .. worked for me on a purchase over $100.
Does not apply at Coach Factory.
Link to Spring Fan Event below. I'm also including the promotion code that was given to me after registering in the event that it might work for everyone. FA016540 (may or may not work for you)
http://www.facebook.com/Coach?sk=app_150909438346694Valid through 2/24 11:59pm eastern.
Discovered that you can add funds to your free Serve account from GCs you get (VISA/MC/AMEX/Disc). Just added the Visa GC I got from Staples and it was immediately available on Serve AMEX for a gas station visit 5 minutes later.Nice if you get a lot of cards and want to combine as one and throw away original cards. Got (3) $70 Staples Visa or other cards?, immediately add them (as "CREDIT" card) for $210 in Serve account, which you can then send to bank account if you want. Or pay a small fee and get cash at ATM.Serve load fees waived until 6/1/2012
Here's my story:Met with my boss and went over my 2012 compensation plan a few weeks ago. Boss said that I would get a 6% raise on commission pay. Fast forward to today, I mentioned it to another manager about the 2012 comp plan (our commission pay percentage typically are the same across the board for all sales rep).Other manager told me that is incorrect. Showed him my 2012 comp plan. He said that 6% increase was hypothetical scenario of what I could be making under the new 2012 comp plan. He told me talk to my boss about it.I guess I'm a bit perturbed that my boss did not interpret this information correctly and I was looking forward to that 6% increase.How should I handle this situation? I am afraid that my boss will not be able to authorize this pay increase. I think its unfair to me as I was expecting this increase.What are my options?
Lock & Lock 18-Piece Nestable Set of Containers
Airtight with a 4-sided locking system
Durable
BPA-free
Stacking nestable system for space saving
Microwave and freezer safe
Top rack dishwasher safe
1-Year Lock & Lock WarrantyWhat's In The Box? Lock & Lock 18-Piece Nestable Set of ContainersSpecifications: Dimensions and Capacities:
1 Cup/8Fl. oz; 4.3 x 4.3 x 2.0 inches
2 Cup/16Fl. oz; 4.3 x 4.3 x 3.8 inches
3 Cup/24Fl. oz; 4.3 x 4.3 x 5.5 inches
2.3 Cup/19 fl.oz; 5.7 x 4.3 x 2.6 inches
3.3 Cup/27Fl. oz; 5.7 x 4.3 x 3.7 inches
4.1 Cup/34Fl. oz; 5.7 x 4.3 x 5.0 inches
5.4 Cup/44Fl. oz; 5.7 x 4.3 x 6.3 inchesLink
Long time lurker, first time poster here. I've been struggling with some career-related decisions lately, and am hoping the minds of FWF can provide some unique insight.My background:- B.A. Economics
- In the accounting field
- Passed the CPA exam, but need more experience for the certificate
- Age 25, married, no kids
- Located in CaliforniaWhile I was in school, my plan was to follow the "normal" CPA career path (4-5 years at Big4/large regional CPA firm > transition to corporate accounting/open my own small firm). Due to the recession, however, many firms were more or less freezing new hiring by the time I was nearing graduation and my job prospects were poor. I worked as a temp, was unemployed for a while, then was able to land my current job, which is with a municipal government in an accounting role. I decided at the time that it was a good opportunity to ride out the bad economy and get my CPA exams out of the way, which I finished a few months ago. As of now, I've been with my current employer for almost two years. It's a good job overall, but I'm having misgivings about my current path and trying to decide where to go from here.My biggest concern is that the economy is still shaky and I'm hesitant to leave my current job, which is very secure, to pursue my original plan and look for less stable employment in a public accounting role. I don't believe my experience thus far would translate particularly well to public accounting, meaning there's a good chance I'd take a salary cut as well and start in an entry-level role. On the other hand, it doesn't look like the job market will be improving much for at least the next couple of years and I'm afraid of attracting stigma as a government employee by staying in the public sector too long. My job right now also tends to be pretty mind-numbing most of the time and not particularly satisfying on a personal level. Essentially, I'm trying to decide between making a long-term commitment to my current employer and quitting to try to follow my original plan.Current job:- $60k salary, likely future earnings potential is $~80k in five years, $~110k in ten years (plus COLA). Small potential for $~150k in a CFO role within 10-20 years.
- Full health/dental/vision coverage paid by employer. 5-7 weeks PTO per year (paid holidays plus vacation). Ample sick days.
- Defined benefit pension plan (1% at 50, 2% at 60) and 457 plan.
- Relaxed atmosphere, 40 hour work weeks with almost zero overtime required.Alternative:- Based on recent research, $50-$55k likely starting salary, future earnings potential $70-$100k in five years, may be as low as $80k or as high as $200k+ in ten years.
- Health/dental/vision plans offered by most employers I've researched, with varying degrees of employee share.
- 401(k) plan, possibly with employer match. No DB pension.
- LOTS of overtime during the busy season at a CPA firm, 40-45 hours/week during the rest of the year.
- Work is somewhat more fulfilling.What would you do in my shoes?tl;dr: Keep boring, safe government job or take probable pay cut and extra risk for potentially better job in the future?
http://www.newegg.com/Product/Product.aspx?Item=N82E16833122364
Was: $279.99
Now: $219.99
Save: $60.00
$144.99 after mail-in rebate card Rebate link (expires 3/31): http://images10.newegg.com/uploadfilesfornewegg/rebate/SH/Netgea...The rebate doesn't list out the retailers eligible, so you might be able to use it on other sites/stores as well.
BTW FYI Amazon: 239.28 FS (before MIR; YMMV)Newegg Coupons
Today through Monday from 7 am until noon each day. Valid on the following tires: Sumitomo HTR A/S P01, Cooper Discoverer LSX, Nitto Crosstek, and Falken WildPeak A/T's.There's also an additional $50 rebate if paying with your Service Central credit card.You must purchase an alignment and premium installation (includes free lifetime rotations, re-balancing, flat repairs, roadside assistance, roadhazard protection) for this offer, but if you don't need the alignment at time of purchase, they give you a certificate you can use at a later date.I always get my tires aligned when I buy a new set anyway. It's part of making sure they track straight and wear evenly (last longer). I bought this deal last year and have gone back a couple times for my free rotations and balancing. Haven't found any nails yet, so haven't used the roadhazard warranty. I think I paid like $80 for the premium install/warranty and the rotations and rebalancing alone would have been $400+ over the life of the 60,000 mile tires (I try to go in every 5k).Also, the Sumitomo HTR A/S P01 was recently voted a "Best Buy" from Consumers Digest:
LinkThe Falken WildPeak A/T also received a "Best Buy" award from Four Wheeler Magazine:
LinkCalling 1-800-NEW-TIRE will connect you to your nearest Big O store.
I'm having some really bad experience with a pre-paid debit card from YapSend. They were ok until another company purchased them called Mango. They claim they do not run a credit check but have asked multiple times for a copy of my passport in color, telephone bills, and a copy of my social security card. I have complied and we are still at an impasse. They have locked the account and no more deposits can be made. It's creepy the way they are behaving. I am now wondering what are they doing with all my personal info if they are not running a credit check.my goal was to use the pre-paid debt card as a way for clients to pay me. I have small part time business. It wouldn't be much money. It would be occasional $100 - $500 payments weekly. I was trying to make it easier to get paid by allowing people to make payments electronically that can be loaded to the pre-paid debit card rather than writing a check. I have started researching other pre-paid debit cards and many of these companies operate outside of the US. The fees are high. It would also be nice to transfer money to a bank account from the debit card and the other way around.Is there a better pre-paid debit card? what has been your experience?
I am in the process of buying my first house (NJ) and we are schedule to close it on 24th, Feb. There is an outstanding mortgage showing on Sellers title back from 2002, which is not sellers mortgage and seller has no knowledge of. Discharge has been ordered by Sellers title company to Wells Fargo and they are waiting to get that discharge. Seller went to the bank and according to Wells Fargo he does not have any outstanding mortgage from 2002. So there is something wrong from Wells Fargo documentation department which needs to be cleared before closing. Wells Fargo does not give them exact time when they can give discharge papers but they say that turnaround time is less than 30 days. The discharge was ordered last week and the title company of seller is following up with them on a daily basis. The problem was the original mortgage; which was under some local back, which then was bought by Wachovia and finally Wells Fargo. I am using PenFed and according to the title agent assign to me, they can't close without resolving this issue (understandably)Since we (both seller and buyer) have made plans for moving and everything, I am worried that closing will be delayed for a while. I talked to the seller's agent and he suggested me some kind of rental agreement which allowed us to move in on our original schedule date and rent the house on day to day basis. I will get more information when I talk to them tomorrow but does anyone have any experience in this sort of matters? Any insight and suggestions would be really helpful. Thanks
1.15 Carat Cushion Cut Swiss Blue Topaz and Diamond Stud Earrings in .925 Sterling Silver $24 FSwas $99http://www.szul.com/szdProduct Description
A delicate pair of all natural Swiss blue topaz cushion cut earrings accented with 2 sparkling white accent diamonds and set in solid .925 sterling silver. The blue topaz feature a deep Swiss blue color.
Amazon 62 inch single strand white freshwater pearl necklace with yellow glass beads $19.95 FS with primewas $55.99eligible for FREE Super Saver Shippinghttp://www.amazon.com/dp/B0069V72Q4/Product Description
Single 62 inch strand necklace that is perfect for layering with other pieces or for doubling or tripling it around the neck, knotting it at any length, or adding a brooch. It can even be wrapped around the wrist as a bracelet. Neutral white freshwater pearls and pale yellow glass bead chips and oval glass beads make this a great go-to accessory. Sterling silver lobster claw clasp.Amazon Coupons
FASH Bold, Bright and Vivid Eyeshadow, 120 Color PaletteLinkWas $65.99, now $19.99 and eligible for FSSSAmazon Coupons
Last year my wife intentionally made excess retirement contributions (see this prior thread) in order to collect additional retirement match. Everything went well with those and the excess contribution was refunded back to her in January of 2012 (the contribution had a very slight loss, so she received the contribution net of the loss).How do we report this on our taxes? The retirement plan administrator is saying that she won't get a 1099-R until 2013, which doesn't sound right. Since she received the aforementioned corrective distribution before April 15, 2012, it should be counted towards her 2011 income and needs to be reported as such, shouldn't it? If so, doesn't she need a tax reporting form from the plan administrator or a corrected W2 from her prior employer, as the IRS would otherwise have no way of matching up her reporting with anything else.What about the small loss on the excess contribution? Does that get reported on her 2012 taxes as a capital loss, which will be reflected on her 1099-R that she'll get in 2013?
This is somewhat finance related, so I'll see what you guys suggest.The Jist:
My company offers an insurance prem. disc if you score high enough on certain health categories. (You provide a form filled out and signed by a dr)
I explained to the Dr office, I wanted the form filled out from the physical results and signed. I asked if there was a fee fo this. She said no.
Called a Dr office to schedule a physical.
I mentioned my insurance covers a physical 100% and THAT is the service I want.
Receptionist says appt in 2 weeks, come in 1 week early for blood work.
I go in 1 week early, and they call me back and take blood.
The following week I go in for physical.They do standard ht,wt, blood pressure, etc. assistant is doing all of this. She enters these on the form.
A bit later the Dr enters, reads the form, signs it and turns to leave.
I said aren't we finishing the physical. He said, you aren't here for a physical.End up having to speak with the office manager.
He agrees scheduling screwed up and put me down for a regular appt.
He finally agrees to do the EKG and bill for the physical so I wont get charged an office visit. (Didn't complete the physical).A few weeks later, Bill arrives, full price for the "visit" and blood work. Not billed as a physical. $387 due.
I call, go through 3 people, they agree to rebill it after verifying with the office manager.A few weeks later revised bill arrives, at $200 for all the blood work that was not attached to the newly billed "physical"
I call again, through several people, bill is resubmitted.A few weeks later new bill arrives at $112 due. Remaining portion of blood work not approved to be paid.
I call the insurance and discuss at length.
She explains items were tested for that are very unusual for a physical esp at my age unless a dr specificallys asks for them. (I've never seen nor met the Dr, and he didn't know I was coming for a physical a week later)
The insurance doesn't consider these rare items part of a paid physical.
Approx 12 coded items were unpaid.
Insurance lady explains that 3 codes will be paid if they submit them under the right code.
Insurance also says that the Dr office has access to know what is and is not covered by their plan.
I relay this to the dr office.
I again dispute the rest saying I requested my 100% insurance paid physical and whatever the insurance covered is what I intend to pay.They claim its not their place to check my policy and its my bill to pay.
The resubmit to get those 3 codes covered.
New bill arrives saying I owe $75.I call Dr office again to discuss how they want to handle the remainder.
Billing manager says she wont write off the bill.
She says she can only pass it up the chain to the CEO.
(CEO is quite an ass as while at my former job we designed one of his office buildings and he's a prick t owork with. I didnt know this was one of his Drs offices until recently)So, this has gone on now since last of Sept, and here we are mid Feb.
I told the lady, if this goes on my credit, that there will be a lawyer invovled (possibly a bluff, depending if I have a case).My case would be defamation of character (credit report)
but more importantly, insurance fraud because they have billed the insurance for a physical that they knowingly never finished.I think if she calls me back with the verdict I'll ask her to pull that report and tell me if it has all the parts of the physical completed or not.Not sure how else to handle this one.
Hope I'm not flamed, but there is principle involved here, and if I sue em, it wont be for $75 dollars. It would be for a H^^L of a lot more than that.
Publix supermarkets has the 25-tablet Quantum Finish Powerball dishwasher detergent on sale this week. Buy one, get one free. They are priced at $6.99 each, so two boxes for $6.99. There is a coupon dispenser in the aisle to get $1.00 off any Quantum Finish Tablet product. Use 2 coupons to get $2.00 off. So that makes it $4.99 for 50 tablets. (10 cents/tablet)
Add tax if applicable.Quantum Finish Powerball Tablets are very highly rated by Consumer Reports (#1 rated) and also at Amazon.comFor reference: amazon.com
Ive been notified by phone that I will be receiving an offer as COO of a venture backed company. It has about 25 employees and a valuation around 50M. The offered salary will be about 20% lower than market - for ease of math we'll say the offer is 100k and market rate at a larger company would be 120k. I will need to relocate 250 miles and I do not expect the company to pay much for relo. I'm expecting the company to exit in 3 years, at which point I'd move back to my current location.In my previous experience, I received almost all cash or mostly equity (employee #3 at last job). the business was sold and I'm ready to get back in the game.I've been given some metrics by some contacts in hr, but it didn't seem right - basically 50% of first years wage in ISO. But that makes no sense if I would be taking a pay cut. From a vc contact, I got some data that looked better. However, i'd like to hear your thoughts and experiences. Also what is important to negotiate - ex. Change in control agmt.(new screen just in case - tis a public forum after all!)
Link Was $249.99, now $79.99 (+tax) shipped. From the website (edited):
Keep your home tidy with this 6 pc. set of Storage Ottomans (NOTE: One bench, 2 cubes, 3 tray tops). Faux leather covering with double stitching gives a luxurious look. Store clutter away and utilize the ottomans as seating or coffee tables. Table trays come with each ottoman, making entertaining guests easy. Set includes bench-style ottoman, 2 smaller square ottomans, and 3 matching trays. Great for both seating and storage.
Faux Leather.
Bench Dimension: 36x18x18
Cube Ottomans Dimensions: 15x15x15Shopko Coupons
I was at Starbucks yesterday and they had some of the App of week codes there, and so I got a few. First PM's get them! It's for Dora's Skywriting ABC's, literacy learning for little explorers! I'll post when they are all gone!
When I logged into Steam this morning I was greeted to a message saying that MW3 Multiplayer will be available for free from Thursday 10am PST to Sunday 1pm PST. I don't see it on Steam's website yet, but I'll include a print screen of what I see when I log in.It is available for pre-load right now and will be fully unlocked at 10am PST.Enjoy! Edit: Link to details: Steam: News!Edit 2: Reflect game sale in title Steam Link
These are the new stylish way to let your baby have some quiet napping time!Carseat Canopy, regularly $49.95, right now they're free with promo code: VALENTINEJust pay S&H of $12.95.
https://www.carseatcanopy.com/cartJust choose a canopy. The promo code works for the Caboodle too, but with shipping that would be like $42. But you choose.Carseat Canopies said:
It's as easy as 1-2-3!1. Go to CarseatCanopy.com.
2. Click on "Shop Now" and select any carseat canopy you like.
3. Once you have made your selection, you'll automatically be directed to the shopping bag.
Enter the promo code " VALENTINE " and we will deduct 100% off the cost of the canopy
- all you pay is the shipping fees! This promo code is also good for $50 off the cost of any of our 5-Piece Whole Caboodle Sets!Remember: the promo code is " VALENTINE " and you can use it more than once - just open a new browser window each time you do.  These Products make great gifts.
Selections dwindle quickly, so get yours today!
Carseat Canopy products are made for "year-round" use - fabrics not too heavy for summer and not too thin for winter. Each one of our canopies has bold, fresh, cutting-edge prints on 100% cotton outers with soft, snuggly, lovable 100% polyester minky interiors. We've got your baby covered! Each canopy fits all makes and models of infant car seats Adjustable attachment straps allow for a custom fit Machine Washable
Thought I'd share this after getting the Iphone for $150 with the current $50 gift card offer that was applied at purchase...http://www.bestbuymobile.com/sites/default/files/file_repo/coupo...Best Buy Coupons
Lariat style freshwater pearl necklace with Sterling silver findings and purple glass beads. Now 15.15 was 59.99. Free 2 day shipping for Amazon customers. Eligible for free super saver shipping.http://www.amazon.com/dp/B0069V6MY2/This unique lariat-style necklace has drop pearls at each end and no clasp. It can be worn looped or knotted. Champagne colored freshwater pearls are complemented by round blue and oval purple glass beads, all strung on Sterling silver links to create this artistic beauty statement. Imported from ItalyAmazon Coupons
Amazon Rikka Luxurious Fashion Scarf with Fur in Burgundy. 9.99 was 45.00. Amazon prime customers receive free 2 day shipping. Eligible for free super saver shipping.http://www.amazon.com/dp/B006QC2FOU/This faux fur scarf in burgundy is a great way to accessorize in the cooler months. Complete your winter chic look with this snug around your neck and a matching set of wool wrist-length gloves.Amazon Coupons
Sears offers the Philips Docking Speaker System for iPod, model no. SBD8100, for $29.99. Choose free in-store pickup to dodge the $9.50 shipping charge. It features a motorized rotating dock, AC adapter, remote control, and more. (was $60)
LINKSears.com Coupons
Beautiful bracelet for all types of pandora and troll beads and charms to make your own lovely design. You have a choice of 5 sizes.
*FREE Super Saver Shipping on orders over $25.
Note: 8.5" is available for $6.99, and other sizes available also. Was $14.99
Now $7.99http://www.amazon.com/dp/B0045S2WJUAmazon Coupons
Just stumbled across this from a posting online. Rock Creek is having a 20-50% Sweetheart Sale (found on homepage.) I clicked through that banner, and then selected Jackets/Fleece Jackets cuz I was looking for a North Face Fleece Jacket for my wife. Specifically she's been wanting this North Face Windwall 1 Fleece Jacketafter loving the weight and feel in the store. When I clicked on this jacket, a banner showed 40% off this product for a limited time. The price was still $98.95, though about what the mall store had it for. I added the black medium to the cart, and the 40% was added there and brought it down to $59.37 !!!!! SWEEEETTTT. I quickly ordered it, and it went thru splendidly. There are others that can be had as well but size and colors are going fast. There's free shipping for orders over $49. I hope this helps somebody out. I've never ordered from Rock Creek before, but it looks like a great company. (Kinda like my REI that I love.)
Fleece hoodie is perfect for a chilly day, keeping the cold out in style.Fleece Hoodie:
hooded
ribbing at waist and sleeves
pockets at front
zip front
cotton/polyester
washable
importedJCPenny.comJCPenney Coupons
link$21 was the lowest for these back on Nov. 25/26the Verbatim 10-pack's lowest price has been $17. In Decemeber, Newegg had a 10-pack of 2x for $7.99 (limit one). So this deal seems smoking. Would go along well with this burner, if you don't have one already.Newegg Coupons
I haven't ran my credit in a while relying on credit sesame and credit karma (my fault). While applying for a home refi I found that Equifax has a "derogatory public record or collection filed" which causes a significant difference in score from my transunion and experian scores.There is no organization name listed. The account was opened on 12/08, reported on 03/09 for an amount of $68. It states in comments "MEDICAL; ORIGINAL CREDITOR: MEDICAL PAYMENT DATA, ASSIGNED ON 12/08" and is in collections. I have no idea what this could be. I'm afraid if I inquire about it that the clock will reset in regards to disappearing from my credit report.Should I just wait another 4 years until it disappears from my credit? It is not currently affecting my refinance given my other scores. I don't foresee any reason to use my credit again in the near future unless my car breaks down.
Copied from SD:I just went into CVS looking for medicine and walked by the diapers. They had a sign listed for 50% off Pampers Swaddlers Size 1 (92 count) and Size 2 (84 Count).
(They also had Size 3,4,5,6 Cruisers for 50% off as well but I wasn't interested in those sizes so can not be certain on the price of those).I left buying 7 boxes of diapersPrice breakdown for Size 1 Diapers11.24/92= .12cents per diaperPrice Breakdown for Size 2 Diapers
11.24/84= .13 cents per diaperThat is the lowest that I have seen even with Amazon Mom discount I pretty much cleaned out my CVS by my house of all their Size1 and 2, but I did notice that there were a lot more of the larger sizes available.I noticed that the size 2 were marked with only 25% Off sticker, but when I went to the register it rang up at 50% Off.Hope this helps some moms and dads out there.
I was given a card at my Starbucks this morning asking me to complete a 15 minute survey to be emailed a starbucks card. This is not the starbucks register receipt one.starbuckssurvey35.ipsosinteractive.com
Go here, complete survey.First 200 to complete it per area for select area's.Worked for me and Starbucks card is emailed.
Edit: Hmm... red for a free starbucks gift card. Ok, got the message won't post these offers again.
watch out how Comcast ruin my credit score by 60 points without warning! Today found my credit score dropped by 60 points due to a so called "Adverse account" added by a collector called C.P.A (I used to have near perfect score before this). The "Adverse account" was a Comcast cable bill for my old address. I have never been contacted by Comcast or C.P.A. for this debt (I have not even received a final bill from Comcast). The only thing Comcast did was adding multiple late fee charges and sent me to its collector. I do not use Comcast anymore after I moved.

All I want now is to remove the "Adverse account" in my credit report, leaving no trace of negative information (i.e. Not just "adverse account" paid). But the bureaucracy created by Comcast and C.P.A. makes it impossible. Although I want to pay whatever they claim (including all the accumulating unresonable late fees etc) just to get this mess over, I cannot. What more do they want from me?!?

The current situation:
1. C.P.A. said that they never accept pay-for-deletion (PFD) letters, and they never delete "Adverse account" UNLESS formally requested by Comcast. Comcast never accept pfd letters either, and its billing department can only try to send informal request-to-delete to its accounting department with the hope that its accouting department will find a way to nonrountingly forward that informal request to C.P.A. Comcast billing department can try this only if my payment is made to them directly.

2. C.P.A. said the "Adverse account" in my credit report was automatically deleted weeks ago due to bad address (C.P.A. used my old address when adding the "Adverse account" in my credit report). I called the 3 reporting agencies but they insist that never happened. Because I was very polite on the phone, C.P.A. representative seemed coorperative and was willing to send me a copy of the "Deletion request due to bad address" letter to my email address. They said that I can forward this letter to the reporting agencies to make sure the adverse account will be deleted. Did not receive the email, I had to ask them to send agin. Even gave them another email address and begged them to send all together four times, two to each email account. The representative assued me that I should receive the emails and "it could take upto 24 hours due to their slow emailing system". Its been 2 days, not a single email received from them!

Which of the following 2 solutions works better now?

Solution 1. Pay Comcast directly and sincerely wish that they would and could send informal request-to-delete to C.P.A., and wish C.P.A. would honor that informal request.
Cons: Comcast may just take the payment (so I lose the only leverage) and C.P.A. just update the adverse account as "paid", but the "paid-off Adverse account" will still remain in my credit report and has almost the same negative impact to my credit score for 7 years.
Pros: I may pay Comcast directly and never have to deal with C.P.A.(which seems to be purely liars per comments on the web, and my own experience). Then I can file dispute with all 3 credit reporting agencies that the "Adverse account" with C.P.A. is invalid. And hoping C.P.A. will remove the "Adverse account" since they will not be able to validate the already-paid-off debt with Comcast.

Solution 2. Send payement to C.P.A. with the PFD letter (although they don't honor it). Then GW letter.
Cons: Comcast will not even try sending any request to C.P.A. because the payment is not received by Comcast directly. And C.P.A. will only update "Adverse account" as paid. The negative effect of the "Adverse account" to my credit score remains.
Pros: If the letter happen to be processed by a not-too-evil C.P.A. representative (assume such rep exists), then its the most direct and efficient way.

Could anybody share the experience with this debt collector or similar experience with Comcast? Any suggetsions will be highly appreciated!

Please help!

Note: C.P.A.: "Credit Protection Association" DALLAS, TX 75240.
Amazon: 73% off Fourteen strand freshwater pearl choker necklace with with quartz and glass beads. Was 58.99, Now 15.95. Free 2 day shipping for Amazon prime members. Eligible for free super saver shipping.
http://www.amazon.com/dp/B0069VG3X2/A delicate fourteen strand nylon choker with layers of freshwater pearls that seem to float on the neckline. Features iridescent bluish-purple and greenish freshwater pearls, clear chips of natural quartz and clear, oval-shaped glass beads and sterling silver findings. Imported from Italy.Amazon Coupons
Just checck my Staples rewards account this morning and saw they have a new Coupon Wallet section online. My account had four coupons that I could print out. One of them was a $20off any external harddrive.
I've attached the 20off coupounStaples Coupons
Amazon. Penelope Mack Girls 4-6x Polka Dot Printed Corduroy Coat With Hat. Now 21.11 was 65.00. FS Amazon Prime.Eligible for free super saver shipping.http://www.amazon.com/Penelope-Mack-Girls-Printed-Corduroy/dp/B0...Amazon Coupons
I'm in the process of doing a series of bank bonus deals. I have an old LLC that I created to do eBay sales and a new corporation that I created for a software project. The business bonuses are worth more than the personal bonuses.I was in the middle of my applications when I realized that I might get trapped by an excess of ChexSystems inquiries. The problem is that I don't know whether business checking account applications where I have signing authority trigger inquiries on my Chex profile. Each company has an EIN of its own. If they trigger Chex inquiries, then I can't do my full slate of bank bonuses; if they don't, I should collect the money.The easy answer is "maybe", but does anybody know for sure, or which conditions should be sought/avoided?
President's Day Sale at Tommy Hilfiger
Take an extra 30% off all sale items with code THFEBSALE30Shipping is free over $150 plus free returns otherwise it's 8 bucksSaw some jackets like this trench coat for $140 after coupon (was $348)
or you can get a suit jacketfor $133 (was $400)
be sure to add a filler for free shipping if you get one of those (this tie is not bad for $21)Tommy Hilfiger Coupons
British Air is running this promotion again, last time was around fall of 2011.If you have a British Air Visa, spend at least $50 at a Michelin Rated Restaurant in NYC and get $50 back. You can do this twice for a total of $100. My of my friends and I have this card because of the 100k mile promotion they had last year, so you can split the bill and everyone gets $50 back.LINK: Click HereEnjoy!
details from the website:Enjoy two exquisite meals and get $100 back for dining at New York Citys finest MICHELIN Guide 2012 star-rated restaurants.Use your British Airways Visa Card at any NYC MICHELIN Guide 2012 star-rated restaurant today through July 31, 2012. Dine once and receive a $50 statement credit. Dine twice and receive another $50 statement credit for a total of $100. Minimum purchase of $50 each time you dine.1Reservations can be made a number of ways: Call our dining consultants at 1-877-572-1887
Call the restaurant directly, see phone numbers below
Or visit OpenTableMICHELINSpecial British Airways Visa cardmember dining tip. Some restaurants may offer unique experiences or amenities to British Airways Visa cardmembers. For more information, call our dining consultants at 1-877-572-1887.
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?
These women's ThermaCheck 100 Scarves were $14.50$5 colors: cerulean blue, camel heather, true purple, and washed berry2% FWCB voided by use of free shipping code (FREEZE or STOCKUP). You can also get a free shipping code and pin from retail me not.....The have $10 colors: black, dark mahogany, ivory, pewter heather, and jester red.Want matching accessories? They are having a big winter clearance, so their other ThermaCheck merchandise is on sale too (including scarves, hates, mittens, gloves, etc.).Lands' End Coupons
Okay here we go...LL Bean has a 20% off code for their entire web site - and that includes Five GOPRO accessories. There is the LCD Bac Pac and four others and all are at list. But when you use the code CSJ9632 they come down 20% which is about the best you can find lately!Here is a link to the five items on their mobile site (I am listing from my DROID): http://m.llbean.com/mt/www.llbean.com/llb/search?init=1&freeText... Use FATWALLET for an additional 2% back too!I got charged tax so my order was under $69 shipped for the LCD Bac Pac.Hope this helps someone as you can get the battery for around $17 shipped with taxes...
Six NFL teams - Philadelphia Eagles, Chicago Bears, New England Patriots, Indianapolis Colts, Pittsburgh Steelers, or Green Bay Packers. Available in straight leg (gridiron) or carpenter style.Straight leg gridiron jeans - stone wash or light washPhiladelphia EaglesChicago BearsNew England PatriotsIndianapolis ColtsGreen Bay PackersPittsburgh SteelersCarpenter style lineman jeans - stonewashPhiladelphia EaglesChicago BearsNew England PatriotsIndianapolis ColtsGreen Bay PackersPittsburgh SteelersOriginal price is $60 or $70
Use 30% off code HEART30 and free ship code SWEETSHIP
Must have Kohl's chargeKohl's Coupons
HP 02 Series Ink Cartridges w/150 sheets 4x6 inch HP Advanced Photo Value Pack in Retail Packaging
Currently $19.99
FSSS Eligible
Lowest price previously on Amazon was $30.00LinkDon't forget to recycle those ink cartridges later Amazon Coupons
Not a lot of science here, but might stimulate a debate. So back in 2008 when the economy started to unravel, I was in an okay financial position (meaning: safe job, no debt). I concluded that I wasn't going to get much of a return on stocks for the next few years, and that a lot of people would need money fast. I decided to start loading up on collectibles (vintage comics books, collectible legos, trading cards, artwork, etc). I figured most people would need to sell these items in an economic downturn, and there wouldn't be nearly as much demand (leading to price drops).Fast forward to 2012. Late in 2011 I started to see some action on the sales of some of my items. Vintage comic books ($400-$1000) started to sell here and there. Old collectible toys sets started to skyrocket. Modern artwork (minor) began to climb. I attributed this to the return of disposable income. In the last two months I have seen a severe upturn in the sales of my goods, and many more buyers (raising demand, hence prices). Is this the sign of a bubble? The return of un-necessary spending? Or simply a curiousity?
feb.12-feb 18 huggies diapers are on sale for 8.99 in the feb booklet they have $2 off huggies Slip-On Diapers down to 6.99 and you can use manufacture coupons on top of that...........i had a coupon for $2 off of pull ups and it worked, total price for each 21 count size 5 was 4.99 plus tax. i think 6.99 still not bad especially its so expensive.TextWalgreens Coupons
Link
The Kodak PlaySport HD Pocket Camcorder has as much appetite for adventure as you do. And it's not afraid to get wet. This audacious little camcorder can plunge up to 10' underwater and capture the entire experience in full 1080p HD. And don't worry about blurry footage when things get a little shaky. With built-in image stabilization, the PlaySport will stay as steady as a rock. From the waves to the slopes to the mud-soaked trails, the Kodak PlaySport HD Pocket Camcorder was made for extremes. Note: Memory card not included. Purchase of a memory card is highly recommended.Kodak PlaySport HD Pocket Camcorder:
Full 1080p HD video recording
The camcorder's rugged design enables full 1080p HD video recording in just about any environment
2.0" color LCD screen
Preview and share your videos with this vivid, high-contrast screen
Additional Features:
Shoot up to 10' underwater
Shoot amazing 5MP, 16:9 widescreen HD still pictures
Nature-inspired, attention-grabbing colors
LCD Glare Shield helps you see your subject on the screen in reflective outdoor conditions
Get sharper videos with less blur thanks to built-in electronic image stabilization
Impact-resistant design
Capture your friends with smart face-tracking technology
See more details and accurate details with incredible low-light performance
Use the built-in software to share on Facebook, YouTube and Twitter with ease
Save your videos to SD/SDHC digital media cards
On-camera slow motion playback lets you catch the highlights
Complimentary HDMI cable lets you debut your videos in full HD glory
Never miss a moment with the rechargeable lithium-ion battery and in-camera charging
Kodak PlaySport HD Pocket Camcorder is compatible with both PC and Mac
Use the included video software to edit and trim videos, add a voice-over, create mash-ups and more
Includes Kodak PlaySport HD Pocket Camcorder, lithium-ion rechargeable battery, HDMI and AV cables, wrist strap, user guide and ArcSoft Media Impression software for Kodak (PC only)Walmart Coupons
Amazon:66 Degrees North Men's Vatnajokull Jacket (Blue, X-Large). Now 99, was 250.00. Amazon prime customers receive free 2 day shipping. Eligible for free super saver shipping.http://www.amazon.com/66-Degrees-North-Vatnajokull-X-Large/dp/B0...Amazon Coupons
TRENDnet TEG-S24DG Unmanaged Gigabit GREENnet Switch 10/100/1000Mbps 24 x RJ45 8K MAC Address Table 3.5 MBits Buffer Memory - Don't know how many folks would be interested in this, but is a pretty good deal IMHO. Price point is at their 16 port unit. I need to add some ports and was actually looking at the 16 unit versus daisy chaining another 8 port box into my current configuration. While this is $75 more than the Trendnet S8G at Microcenter here in town I am thinking I would rather just put in a larger switch. Linky Trendnet TEG-S24DG and the discount code is $49 off w/ promo code EMCNHJF59, ends 2/15Newegg Coupons
the north face 'TKA 100' Fleece Pullover $24.90 FSwas $50 http://shop.nordstrom.com/S/the-north-face-tka-100-fleece-pullov...Nordstrom Coupons
Canopy Bath Essentials Bowl Brush $8 was $20Free store pick uphttp://www.walmart.com/ip/Canopy-Bath-Essentials-Bowl-Brush-Brus...Walmart Coupons
Y" Style Freshwater Pearl Necklace on Sterling Silver Cable Chain $29.95 FSwas $86.99http://www.divinejewelry.com/Freshwater-Necklace-Sterling-Silver...Product DetailsThis white freshwater pearl necklace features baroque and near-round shaped pearls with a Y" style drop of pearls on a 17 inch heavy gauge Sterling silver cable chain with a lobster-claw clasp.
Poetic(TM) FrontLine Stylish Leather Folio Case for Amazon Kindle Fire With Stand $12.95 FSwas $29.95Black
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Blue
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Purple
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Light Pink
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Hot Red
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Cream
http://www.amazon.com/Poetic-FrontLine-Stylish-Leather-Amazon/dp...Amazon Coupons
The great price from the holidays is back!This is a very highly reviewed, prosumer video cameraLinkAround $720 on Amazon.The replacement for this camera, the HC-X900 is coming out in late March (?)Camcorder.info doesn't seem to think it'll be much better. I expect it will start around $1k when it comes out.I was pissed that I missed this sale in December, but now it's back!(and don't forget up to 3% Cash Back from FW!)Newegg Coupons
I was walking the Isles at Home Depot and came across a few clearance items.Black & Decker Cordless String Trimmer 24-Volt @ $34 Reg-$149
SKU:429709
HD LinkBlack & Decker Cordless Hedge Trimmer 24-Volt 24" @ $24 Reg-$99
SKU:852741
HD Link
These battery powered ones didn't interest me, but there were a few of them in stock in North Jersey.
I also saw a tag for a $300 2000 psi power washer discounted at $75...but it wasn't on the shelf.
628-516.The Home Depot Coupons
Hi,I have been a long time reader of FatWallet, especially for the finance section, but have made very minimal posts. I am actually a 21 year old medical student and was recently working on my financial situation and thought I would take some input from the community to see if I am doing the right things now or if I can improve on some of my ideas. I am trying to get in the best financial shape before I graduate medical school so I can get loan interest loans for cars or refinancing my student loans. Here is a summary of my current credit situation and what I have done so far. 1st credit card is an account that I am an authorized user on, the credit card shows up on my credit report as if it were mine. Account has been open for 12 years with a credit limit of 10,500, the account is through discover2nd credit card is an account that I opened and has been open for 3 years, Citi Forward card, credit limit of 4,000, never asked for a credit line increase3rd credit card is an account that I opened and has been open for 2.5 years, Chase Freedom card, credit limit of 3,000, never asked for a credit line increase4th credit card is an account that I opened about 1 week ago, American Express Blue Cash card, credit limit of 3,000My parents have mostly financed my education up until now but I am not sure if I would take out student loans in the future. I currently have 20,000 in all subsidized student loans. The interest loans vary from 3.5-6.8 depending on when the loans were taken out but at this time they are all subsidized so that is not an issue. My credit card balances add up to about 1,200 but the balances are all paid off in full each month. A normal month would have a balance of around 600.My CreditKarma score shows as 735 and when I recently got my American Express card they told me my FICO score was pulled at 757 (but it may have gone down slightly because my credit report was pulled)I have had one other credit card that was a Macy's store card which I actually closed, should have just left it open, but it was only open for 6 months before closing. I have no other debt at this time but also have no income (besides the potential money I could take out in student loans). I have never financed a car loan or any other loan but was not sure if it would be a good idea to open some type of line of credit at my bank or anything of that sort to help improve my credit file. Any suggestions would be greatly appreciated.
We fed an old oil burner and average of 664 gallons a year for five years before taking advantage of a substantial local utility rebate for insulating. After cellulose was blown in, the next five years averaged 472 gallons per year. That's a savings of 29.8% and at $3 gallons for oil saved $3474. We paid about 2.5k for insulation, and it was tax deductible.This year we took advantage of an oil to gas conversion promo. I would have expected oil to cost $924 so far this year, adjusted for a warm winter. So far, we've spent $327 on gas. The new system cost 6k when all's said and done.Not too shabby.
Looking for the best deal.I checked out Skyscanner.com and Vayama.com, which are my usual go-to for international travel, but I was wondering if anyone had any special recommendations, and since I didn't see a thread for international travel to that region, I thought I'd start one.Specifically, I'm looking to fly from LAX to Dubai, UAE
http://www2.tbo.com/news/business/2012/feb/15/2/mebizo1-tlc-show...full page article, keep scrolling down to keep reading, good info!
All this comes as grocery stores like Publix are tightening or clarifying their coupon policies to handle real-life extreme couponers. Publix recently upgraded software in cash registers to determine whether a shopper actually was buying a product identified on a coupon and not just one produced by the same manufacturer.
Did everyone else who opened Schwab Checking accounts get 2 boxes of checks and 2 packs of deposit slips?I wonder if Schwab accidentally doubled up my order or if they normally send out that many checks and deposit slips. Wasn't expecting so many. They sent out 4 seperate items (2 seperate boxes of checks) and 2 seperate packets of deposit slips. Not that Im complaining.
http://www.giveawayoftheday.com/February 15, 2012JuniorWatch is the ideal software tool to monitor your childrens computer usage and online behavior. If there is any issue you will notice it in the very beginning. JuniorWatch allows you capture screens, take webcam pictures, log key strokes, log clipboard, and log browser histories. It also enables you to turn on FamilyShield, which blocks adult website and fraud/phishing sites. You can view all reports and turn on/off features remotely (from any other PC on Internet) once the software was installed on the monitored PC. Furthermore, it comes with Encryption option which protects your privacy.

Please note, by using JuniorWatch, you agree to abide by all applicable local, state, national and international laws and regulations, and not to knowingly use JuniorWatch for any purpose that is unlawful or prohibited.

Note that 5 best improvement ideas will be rewarded to upgrade JW to one year Ultimate service Use Idea Informer widget to submit your feedback and do not forget to fill in your name and e-mail otherwise the Developer will not be able to contact you in case you are the one to win!
Please note, by using JuniorWatch, you agree to abide by all applicable local, state, national and international laws and regulations, and not to knowingly use JuniorWatch for any purpose that is unlawful or prohibited.

Note that 5 best improvement ideas will be rewarded to upgrade JW to one year Ultimate service ($60 value). Use Idea Informer widget to submit your feedback and do not forget to fill in your name and e-mail otherwise the Developer will not be able to contact you in case you are the one to win!
I know the new ones are coming out some times. These are not bad. It's not a Ipad 2. I thought the price was good for this configuration. It's good for 1st time Ipad users who wouldn't know the difference in speed.http://www.bensoutlet.com/products/fc497ll-a
UPDATE: Just noticed this was a refurb. So maybe not that great a deal.
Last year at insurance age 57, I purchased a WL policy from Mass Mutual. Face amount is $120,000 and includes a renewable term rider which was necessary to pass TAMRA 7 pay test. I qualified for ultra-preferred non-tobacco rate. Dividends buy PUA. Plan is this:

Year 1 premium x + 1 yr renewable term + 2x PUA

Year 2 premium x + 1 yr renewable term + 2x PUA

Year 3 premium x + 1 yr renewable term + 2x PUA

Year 4 premium x + 1 yr renewable term + 2x PUA

Year 5 premium x + 1 yr renewable term + 2x PUA

Year 6 premium x

Year 7 premium x

Year 8 some portion up to total of premium xThe premiums come from a relatively fixed pool of cash. After year 8, the hope is that the policy will generate enough in dividends to pay the premium. Desire is that benefits go to my only son at my death while maintaining access through non-recognition loans during retirement years. Any comments?
A couple months ago, I was planning to apply for a card for which someone could get $50 if they "referred" me. I posted here to offer someone the opportunity to refer me. A mod later pointed out that was a no-no. I just didn't know. For situations like this in the future, is there an acceptable way/site/forum to connect? (Craigslist Casual Encounters floated through my head. Eww.)
I imagine there are lots of opps for this kind of thing. (Thinking outside the box for what is probably a stupid idea: Could each of us FWF people set up a blog to refer each other through for stuff like signing up for SwagBucks or buying a book on Amazon? I think there is a kick-back available for that but I have absolutely no idea of how much.)
{Legal fine print: I am in no way suggesting or advocating creating sites to suck away Fatwallet business. Just trying to preempt this topic being taken down.}Also, any thoughts for connecting with people for refer-a-friend locally? I'm thinking for local banks, cable companies, etc. For a while, a community bank here had refer-a-friend and both parties got $20.
It's a 250 gb Console / kinect bundle for $299 & Was in full stock 2 days ago at The Costco in Lodi ca.
I'm not in need of one but thought this could be helpful to someone who is.It's not listed on their website & they've sold for about $20 less around Christmas but this is their current cash n carry price.(best buys is currently a $399 bundle and WalMart is a $349 w digital download disney carnival games)
I was in my local Sam's Club today in Indiana. I found item 395276 which is a 4 pack of 24 oz Scrubbing Bubbles Cream Cleaner on mark-down to 81 CENTS for the 4 pack. I bought 3 of them. Figured for that price you can't go wrong. I assume this is a big YMMV...the zip for this club is 46902 north of Indy.Sam's Club Coupons
Contemporary asymmetrical white freshwater pearl necklace with glass and resin stones and sterling silver findings and clasp. Now 19.95 was 56.99. Free two day shipping for Amazon Prime customers. Eligible for free super saver shipping.http://www.amazon.com/dp/B0069UYNR6/
Timeless meets modern with this eye-catching asymmetrical piece featuring white freshwater pearl strands. One side features two pearl strands accented with one large clear resin bead while the other side has two wavy layers of pearls with clear, round, faceted glass bead accents separated by silver barrel-shaped spacers. A very unique piece! Imported from Italy.Amazon Coupons
Finally Amazon carries Smart and Silky Hand Sanitizer. I love this stuff but couldnt find it anywhere. I like this product because it has no sticky residue. Most hand sanitizers out there dry out my hands and smell terrible. My kids would complain before, saying that it smells like the hospital and they are about to receive their shots. Now that I found the Smart and Silky Hand Sanitizer they dont mind using it all the time. Leaves my hands feeling soft too. I havent heard about this Lip Guardian lip balm sanitizer but Im willing to try it out on my kids, since they come into contact with a lot of sick classmates.
Foaming Sanitizer is usually around $5.99 and the Lip Sanitizer is usually $7.99.
($5.99+SH$5.61) + ($7.99+SH$4.75)
$11.60 + $12.74 = $24.34
I was able to get it for $10.99+$5.75=$16.74
Saved $7.60. Amazon no tax yay!!!http://www.amazon.com/gp/product/B0078X6308Amazon Coupons
Just got the e-mail with generic Domino's deal. At the bottom there was an ad for this dealUpcoming Domino's offer 2/20 - 2/23 - only 12" cheese pizza1 for 3.99 (only for carryout)
Need to order 2 or more for delivery (still 3.99 each). You can combine with Shoprunner for free shipping
Hi,I didn't see a topic related to this, so, I thought I'd ask... My former employee (fortune 100 company) never "generated" my W2 for my 2011 taxes. I have called several times and they cut a "ticket" back on Feb 2nd, and have no ETA on when they might be able to get this to me. Nothing was mailed out, and nothing has been done because the payroll department is "too busy" to look at it right now.Is there anything I can do to profit from this situation?I expect to get back a few thousand in taxes, and, I can't exactly spend or invest my money when I don't have access to it because they never mailed me out my information.
No sane person ever paid $40 for this backpack. However, at $10 it is a respectable deal.Shipping is free. Targus makes a good backpack.Link to Backpack (CB2650)In order to access the lower price, you must use eCoupon code USP1F36560Also note, you can buy the toploader (CT2650) version for the same price AC if you use eCoupon code USP1F36562ETANote: I did not originally post the eCoupon codes above in the form they now have, as links. I posted them as text and they still work as text. The change was done by somebody at FW.In particular, the second eCoupon code, when clicked, points to the wrong product. This is not my doing!! Just use the eCoupon codes as text . . copy and paste them as text and you should be OK.Lenovo Coupons
JetBlue is offering one-way fares from $79 between Tampa and Reagan National and $99 between Tampa and LaGuardia through March 12. The fares offered at jetblue.com are good for travel between June 11 and July 31, with blackout dates from June 29 to July 9.
www.jetblue.comJetBlue Coupons
I took my nephew to Zales when he was looking for an engagement ring / wedding band set.
They had 30% + 10% off. THEN I stopped by an Outlet Mall Zales and they had the exact same set for 37% + 10% +10% off.
We bought the rings on the spot! Saved over $250 compared to the Zales in the regular store.www.zales.comZales Coupons
http://www.costco.com/Browse/Product.aspx?Prodid=11603179&search... Was looking for a SDHC card for my new Kodak Digital cameras that I was able to find thanks to FatWallet. I picked up two of these because of the free 100 prints per card. Even at Costco's prices that is equal to $13 worth of free prints. The SDHC card seemed to get good reviews on Costco and Amazon.Sorry if the post isn't the best. Long time FatWallet watcher but not very good at posting!
Ive been searching the threads and Im wondering if there is a thread for trading or RAOK.. I am collecting Boxtops for education for my Daughters school, I actually just signed up as the CoOrdinator, so I am hoping to collect alot to beat last years totals. Im sure there are couponers out there without kids in school and have boxtops without a home or even those awesome bonus slips we sometimes earn at the grocery store. I figured the OT was the best place to as so no one gives me any reds.. Thanks so much any help or advice would be awesome!!
Lisa
12 month Premium Membership with RangeLog.com $15was $30http://www.gearhog.com/?did=12296Deal Overview
RangeLog.com is an online log book used by shooters to track the details related to their personal training, competition match results, ammunition and personal firearms. With over 60 customizable and easily downloadable reports, RangeLog members can track their firearm maintenance and overall performance online.
Incipio EDGE Hard Shell Slider Case for iPhone 4 - Pink Camo - Was 29.99 now 2.99. Free shipping Amazon Prime. Eligible for free super saver shipping.
http://www.amazon.com/Incipio-EDGE-Shell-Slider-iPhone/dp/B004LO...
Technical Details
Convenient two-part sliding design.
Made from a dense and rigid polycarbonate material that provides excellent dent, scratch, and impact protection for your iPhone 4.
Featuring custom-cut holes, you'll have full access to all ports.
Remove the bottom cap to dock your iPhone 4.
Length: 4.75 in (120.65 mm)
*Thickness: 0.08 in (1.98 mm)
*Width: 2.5 in (63.5 mm)
*Depth: 0.51 in (12.95 mm)
*Weight: 0.8 ozAmazon Coupons
Amazon Invicta Men's 1832 Specialty Automatic Blue and White Dial Stainless Steel Watch. 89.99 was 595.00 FS. Amazon Prime free 2 day shipping.http://www.amazon.com/dp/B006DI54DQ/Product Features
Precise 21 jewels japanese automatic movement
Flame-fusion crystal; brushed and polished stainless steel case and bracelet
Date function
Blue and white dial with black and red hands, silver tone arabic numerals; luminous; blue ion-plated stainless steel bezel; exhibition case back
Water-resistant to 200 m (660 feet)Amazon Coupons
Cree Sensor+ Adv XP-C Super Bright 100 Lumens Cree LED Headlamp Flashlight, with Handsfree On-Off Switch now 23.99 was 99.99. FS Amazon prime. Eligible for free super saver shipping. 
http://www.amazon.com/dp/B0042IS1Q6/ref=xs_gb_bd_BPD!KkqIall-?_e... This LED headlamp is bright and powerful, plus it packed with a ton of nice features. This headlamp is equipped with a powerful Cree LED XP-C bulb, gives out up to 100 lumens of light. This headlamp features with two on/off mode, manual or motion activated. You can manually switch on or off the LED with your finger, or you can switch on or off through the infrared motion sensor with just a wave of your hand. Perfect in an environment where you hands are wet or dirty, like fishing, backpacking, and other outdoor activities. Long lasting battery life, gives you up to 8 hours of bright white light at 100 lumens, uses only 3xAAA batteries. Build to last for a very long time. Great for contractors and mechanics that works in the dark, as well as lot of outdoor activities that requires light in the dark.Amazon Coupons
Flexible Light Strip 300 SMD Bright White LED Ribbon 5 Meter or 16 Feet was 69.99 now 12.50. FS Amazon Prime. Eligible for free super saver shipping.http://www.amazon.com/Flexible-Strip-Bright-LED-Ledwholesalers/d...Technical Details
Easy Installation - plug and play installation No wiring requires.
Terminal wires from one end of strip, other end will have DC jack input
Eco friendly - only requires a fraction of the electricity needed to a power an equivalent lumen bulb
Cuttable and linkable - mix and match lengths and sizes to your choosing
Bright White at 5500K to 6000K
Product Description
(A.K.A FLEXSTRIP LIGHTING) is a low voltage (12 volt) Super Bright LED lighting in a flexible thin PCB strip. This LED ribbon uses super flexible PCB board as base and adopts Chip RGB LED as its luminous body. Designed for the lighting professional, this lighting can be used for architectural lighting, sign letter light, concealed lighting perimeter lighting and many other applications. We carry the Ribbon in red, green, blue, yellow, white, warm white. We also carry RGB that allows you to change colors with the optional controller. LED Flex Strip Lighting is available with a clip (Silicone Type) on or tape base for easy install. The base is flat and flexible and can be easily mount onto most flat surfaces. It's small size and low voltage makes this lighting ideal for a wide range of applications. Typically it is twice as bright as LED rope lighting. Applications: Border or perimeter lighting. Architectural decorative lighting . Use indoor and outdoors (Silicone or Gel Type only) use to highlight areas. Concealed lighting Cove and under cabinet lighting.
Forever Roses - Small Bud Wooden Roses Bouquet - Dozen FS. 6.69 was 32.28
http://www.amazon.com/Forever-Roses-Small-Wooden-Bouquet/dp/B000...Product Features
Birchwood Long Stem Roses - Multiple colors
Overall Length is 13 inches
Floral Tape, Wired Stem
Lasts Longer Than Live Roses
Great for Weddings, Gifts, Thank Yous and So Much More!
http://shnoop.com/Features and Spec:The replacement cover for the GelPedic Pet Bed
Zipper removal for easy access and cleaning
Leopard & Paw Print use soft suede top fabric which is stain and water resistant!
Khaki, Denim, Red & Pink use a faux fur top. All covers are fully machine washable
Retail price varies by size: $44.99 - $89.99Sizes Available:Extra Small - 20" L X 15" W
Toy - 17" L X 30" W
Small - 24" L X 19" W
Medium - 30" L X 23" W
Large - 39.5" L X 30" W
- Uses your favorite brand of hard candy, sugar-free candy or standard cotton candy sugar to spin a delicious treat- Recommend using sugar floss for best results. Faster melting, greater volume.http://www.amazon.com/gp/product/B003FA0KN4Triple Camel's lowest price for this machine was $28 in August, but has been hovering around $40 until just recently.Somehow this cheap cotton candy machine has a lot of good reviews (compared to the other Nostalgia cotton candy machine that was posted here a couple weeks ago). There are a couple good how to video on YouTube for using this machine as well. NOTE: Link is currently showing one left from a non-Amazon seller at lower price, but not free shipping. Choose link on right for Amazon seller.Amazon Coupons
Target has clearanced the Nikon Coolpix L105 which features a 15X (5.0-75mm f3.5-5.4) optical zoom, 3" LCD and 12.1 MP CCD. List price was $199. The clearance price matches Target's Black Friday price and it is a great camera for the price. I got one at the Ridge Ave. Store in Cincinnati after seeing it at another Target on clearance and doing a little research. The cashier was very surprised when it rang up at $99 because the Ridge Ave. store had not marked them as clearance yet. The Cincinnati Ridge Ave. store still has 16 left if you live nearby. Otherwise, contact your local store if interested. If you have a Target redcard, subtract another $5 to make the price $94.Best prices online appear to be in the $125-$199 range. Good luck!
Hey guys, I'm curious what your thoughts on this situation are. I received a bill from RJM Acquisitions LLC regarding a supposed outstanding debt in my name. The original debt is not valid in my non-legal opinion, but if we take the side of the debt collector and assume the debt is valid, isn't there a statute of limitation on how long they can pursue the balance?The backstory is that in 2000, as a student, I ordered a book from an online bookstore. In addition to the original book, I received and was billed for several other books that I did not order. The original book was paid for upfront during the order online while the 'extra books' were billed for by mail. I immediately notified the bookstore of the mistake (by email) but they insisted that I was wrong and needed to pay the bill. Out of principle I refused to pay for the additional books and knowingly carried the hit to my credit for several years. I left the books untouched in my closet (in the original shipping box) in case they changed their minds and wanted the books back, but eventually threw them in the trash when I graduated and moved off campus. A couple years passed and the debt went to collections (RJM) and again I disputed the debt, this time in writing. The timeline according to the current collections letter matches my memory -- the date of the original account was 2000 and RJM picked up the account in 2005.Based on their numbers, the debt is a minimum of 7 years old if you count from when RJM purchased the account, and 12 years old if you count from the original book store bill. I have had no corresponding with either the book store or the debt collection agency since my written dispute of the notice of collections from RJM back in 2005. I reside in Texas and RJM operates from New York if it matters.
Hi Fatwallers,I need some help regarding the wrong medical filed by doctor. Here is the information:Last year in august I was having some problem with my eyes (some infection) and called the doctor's office and confirmed that doctor is in our network and my copay will be the normal payment. Appointment desk give me the appointment to one of the hospital as doctor has multiple locations. When I went to doctor's office they give me some paperwork to sign (as 1st time patient) and I signed all of the documents. 1 Month later I got 2 medical bills (1 from my doctor and 1 from medical office) as they consider my visit as Outpatient. When I called the doctor's office, they said because I went to see the doctor to the hospital therefore it's considered as Outpatient and therefore got 2 bills. After filing the compliant to the billing office, finally they agreed to waive the hospital bill but told me to pay the doctor's bill. I talk to their claim resolution department and as per them, because at the time of service I signed the outpatient form (without my knowledge, nobody told me that they treat me as outpatient neither appointment nor service time) therefore I am liable to pay that amount. In the other side they also accept that their appointment desk should tell me at the appointment time that my visit will be outpatient due to different location, but they are not ready to do any compromise or adjustment to bill. When I talk to them today, they said your original bill is past due and now if you don't make the payment we will report to collections. The doctor's bill is around $250.00 and hospital bill as around $150.00 (which is already waived). I will really appreciate if someone will help me or have the same kind of experience, and what's the best way to get it resolved or whom to talk. Claim resolution department is not helping at all and keep threatening to report to collections if not paid in full by end of this month.Anyway my insurance is UnitedHelathcare PPO in California.Thanks,
dealrep
Buy.com has the newtrent IMP70D Arcadia battery pack for $35.95 with FS.LINKNot sure how long this deal/sale going to last. It was listed under the deal of the week.Deal of the WeekBuy.com Coupons
Zagg has 50% off invisibleSHIELDS today 2/13/2012 only!http://www.zagg.com/Use coupon code, "heart50"shipping starts at $2.99Typical prices for screen coverage only is $14.99 ($7.49 AC), full body coverage is typically $24.99 ($12.49 AC) + shipping.
Product Description (for iphone 4/4s):Scratch Proof
The precision pre-cut InvisibleShield applies directly to your Apple iPhone 4/4S, providing the best, most durable protection you will find. This screen protector has its origins in the military, where it was used to protect high-speed helicopter blades from dust, dirt and debris.
Now you can use that same powerful technology to protect your Apple iPhone 4/4S. It is so tough that we back it with a lifetime guarantee. So, if it ever does wear or scratch, we will replace it for free, for the life of your device. And if you ever need to remove the InvisibleShield, no problem; it comes off clean and leaves no sticky residue.Nano-Memory Technology
The authentic InvisibleShield film features Nano-Memory technology, which is visible as a very subtle texture in the surface of the film. This superior component of this screen cover offers four main competitive benefits:
Durability - Self-healing properties offer unbelievable resistance to scratches and damage, and will extend the life of your device
Coverage - Greater pliability and flexibility allows the InvisibleShield designs to cover the corners and curves of your device better than the competition.
Ease of Install - The improved pliability also facilitates easier installation
Drop Resistant - Improved grip makes it easier to hang onto your expensive gadgets
Glare Reduction - The iPhone 4 screen protector gives your device a slight "orange peel" finish that breaks up glare and reduces finger print smudges, while still creating high resolution screen viewing clarity.45-day Money Back Guarantee
Your purchase is backed by our 45 Day Money-Back Guarantee. If you're not completely satisfied with your ZAGG product, return it within 45 days of your purchase date for a 100% refund.
The best iPhone 4S screen protector is the InvisibleShield by ZAGG. It protects, covers, goes on transparently, and comes off with no residue. Each product is backed by ZAGG's professional customer service, so you're guaranteed to have a great experience with every purchase. If your screen cover ever needs a replacement, just register and send it in and we'll send you a brand new one. You can't go wrong with ZAGG.
Sorry for the short notice (coupon ends today), but I was looking for a cheap Blu-Ray player and found this one with a coupon code that expires today. Has some mixed reviews but for $59, if you just need a decent Blu-Ray player and don't really care for Wifi, this is a good deal. $79.99
- $20.00 off Coupon Code: EMCNHNC34 (Ends 2/13)
$59.99LinkNewegg Coupons
I was just curious if someone here knows if interest income from the bank has a very high tax rate, or if I somehow was bumped to another income tax bracket or if my TurboTax just isn't computing right?I rec'd 1099-INT from my credit union showing $17.34 in interest earned on my savings account in 2011. When I entered this 1099 into TurboTax, my refund dropped $13. $13 seems like a lot of tax to pay on $17 in interest income. I'm not really sweating $13 I'm just curious what the deal is and google searches aren't helping.Thanks for your help!
Hello, all! Long time lurker (6 years now), first time poster.This site/forums has saved me boatloads of money the past six years when it came to Las Vegas. When I was getting quotes for $1,000 for airfare and hotel, this site was able to get me a trip for $250 for both. So in other words, I'm experienced.HOWEVER...This time, I am STUMPED.Long story short, my sister and I are going to Las Vegas on Thursday, April 26 to Monday, April 30th. Yes, I know it's expensive on the weekends. I prefer to stay during the weekdays, however, both her and I are teachers, and we are planning a surprise for my mother for her 60th birthday, so it was the only time we could get off from work to go. My mother who has a muscle-related disease, is staying at the Flamingo, and used her points to get a free GO DELUXE room. That's cool. Here's where the problem arises, though. My mother refuses to use an electric scooter, because she doesn't want to have to keep moving the chairs away from the slot machines and whatnot. Stubborn, I know. So in other words, walking-wise, she is limited, especially over a long day, and I am already concerned about the four nights/five days she will be spending in Las Vegas. Either way, it was a dream come true for her.My sister and I are looking for hotels very near the Flamingo, and we do not want to stay at the Imperial Palace. We are looking for something $350 or less. I was able to score the Monte Carlo for $325 for those dates before taxes, however, before I could confirm with her that it was okay, it was gone like that. I can't get those rates anymore Everything else, from Harrah's to Flamingo to Planet Hollywood to the Monte Carlo to even Harrah's was $450 or more. We really prefer to stay close to the Flamingo so it's not an issue if our mother wants to visit our hotel and use that pool (assuming it's nice).Any ideas? Any suggestions? I've tried every promo code there is on this site and a couple other sites with the help of Google, but I can't seem to find anything that would be considered reasonable. Additionally, my sister and I were able to combine our Harrah's Reward Cards on Harrah's website and still couldn't score a nice deal (we are both gold tier, we really need to use it more instead of forgetting it!!) Any help, advice, suggestions? I'm assuming everything is high because it's still a weekend (as of last night and this morning) and with Valentine's Day being tomorrow, I'm assuming they're taking advantage of guys making last-minute trips to give to their ladies.One more thing.... Is anyone else having trouble with the MGM Properties websites? It has seemed SO SLOW, like 28.8K modem slow for the past two days, and every time something finally loads up, it says there's an error because it's taking so long to load. Thanks a bunch, guys!!!!
My girlfriend's contract was not up for renewal until August of this year. But we were both looking at purchasing this phone off-contract anyways, so I logged on to AT&T to pre-order the phone. We were able to see the subsidized price of $299.99 even though every other phone was showing the no-commitment price. I tried to do the same through my premier account, but did not see the price. So ymmv.
Cheap hand painted oil paintings for an extra 30% off + Free Shipping
http://www.tenthfloordecor.com/30% off Coupon (exp 2/17)
BEMYVALWent to the site looking for a gift and there was a pop-up for a deal in the corner. It's also posted on FB.
feb.12-feb 18 huggies diapers are on sale for 8.99 in the feb booklet they have $2 off huggies Slip-On Diapers down to 6.99 and you can use manufacture coupons on top of that...........i had a coupon for $2 off of pull ups and it worked, total price for each 21 count size 5 was 4.99 plus tax. i think 6.99 still not bad especially its so expensive.TextWalgreens Coupons
I've made an offer on a short sale property. I expect it to take 60 days or more before the seller's lender reviews the offer and makes a decision.I have been working with a single mortgage broker and up to this point I've only received basic information and a report with an estimated rate and monthly payment based on the offer price and my preferred loan program. I also have the pre-approval letter which was submitted along with the offer.Is now the time for me to begin shopping lenders for the best rate and costs? Or do I need to wait until the offer is accept and the closing date is set?I'm a first time buyer. Any help is appreciated.
I recently got a pretty substantial speeding ticket on a stretch of highway that generally flows 20mph faster than the stated limit. I was going 21mph over the limit and am now looking forward to hundreds in fines, insurance hikes, etc.It's in the city of Buffalo, NY so there is little I can do due to the corrupt DMV court they have here.I started thinking that a well installed system such as a Passport 9500ci would definitely have prevented the costs and hassle of a ticket in my particular situation. Budget cuts will only lead to more aggressive speed traps, etc.; does it make financial sense to have a professionally installed radar detector and laser jammers when one typically drives with purpose (that's code for occasionally safely accelerates)?Would be interested to hear what those with high end radar/laser detection/jamming systems think about whether their investment has paid off.
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
http://www.6pm.com/jones-new-york-signature-cotton-halter-dress-...Size 2-16
Lovely dress, lovely color, lovely you!
Lined cotton print.
V-neck.
Halter style with tie at back of neck.
Crossbody styling.
Removable matching belt ties at left side.
Back zipper and hook closure.
A-line skirt moves gracefully with every step.
100% cotton.
Machine wash cold, drip dry.
Length: 31 in
Product measurements were taken using size 4. Please note that measurements may vary by size.
http://www.facebook.com/NIVEAFORMENUSA?sk=wall&filter=2 Nivea will be giving away 200 bottles of Relax Body Wash or Maximum Hydration Lotions per day for the next 10 days. It starts today some time between 2-3pm eastern but will go very fast
My employer will be offering Roth 401(k) plans soon. In looking over the features and is there any reason why they do not allow transfers in from a Roth IRA but they do allow transfers from a regular IRA to the regular 401(k) plan? I was thinking of combining some investments, but can't here.Also, another disadvantage is the employer matching contributions only go into the regular 401(k) even if you may only be contributing your own money to the Roth 401(k). It kind of negates the purpose for many who want to pay taxes on as much as they can now, instead of in the future. All things considered, I think I'll just leave things as they care. Keep my 401(k) contributions and my Roth IRA as they are.
Had a quick tax question when I was trying to help my fianc come up with itemized deductions last night. I purchased a vehicle last year, and paid my down payment using a rewards card to get Cash Back. Unfortunately, the dealership would only let me put $3.5K on a single card. Not expecting this I didn't even bring my check book and only had the one rewards card. After some discussion, they agreed to put $3.5K on 2 separate cards, one of which was in my name, and a second which was my fianc's. I wrote her a check when we got home and she got some nice points out of it. The remaining balance is financed in my name only.But, I claim the standard deduction, and she itemizes.So the question is- Can she claim any/all of the sales tax on the vehicle purchase?
My girlfriend's contract was not up for renewal until August of this year. But we were both looking at purchasing this phone off-contract anyways, so I logged on to pre-order the phone. We were able to see the subsidized price of $299.99 even though every other phone was showing the no-commitment price. I tried to do the same through my premier account, but did not see the price. So ymmv.
Amazon triple strand freshwater pearl and glass bead necklace $11.95 FS with primewas $42.99eligible for FREE Super Saver Shipping http://www.amazon.com/Triple-strand-white-freshwater-necklace/dp...Amazon Coupons
I was at JC Penney yesterday, and they had a few dozen Columbia multi-tools in stock and on clearance for $2.These are the styles they had (several colors of each):http://www.amazon.com/Columbia-Mens-Deluxe-Multi-Tool-Graphite/dp/B005G1138Q/ref=sr_1_1?ie=UTF8&qid=1329148822&sr=8-1
http://www.amazon.com/Columbia-Mens-Multi-Tool-Led-Size/dp/B005G112YQ/ref=sr_1_2?ie=UTF8&qid=1329148822&sr=8-2Don't expect Leatherman quality if you buy one. They're pretty cheaply made, but for $2 they can be handy to throw in your desk drawer or glove compartment for when you need it.They were in the clearance section, which is tucked in a corner between bedding and coffee makers at the store I was in (Exton, PA). I included the YMMV because I'm not sure how standard Penney's stock and clearance prices are.JCPenney Coupons
Cheap hand painted oil paintings for an extra 25% off + Free Shipping
http://www.tenthfloordecor.com/25% off Coupon (exp 2/17)
BEMYVALWent to the site looking for a gift and there was a pop-up for a deal in the corner. It's also posted on FB.
http://www.ebay.com/itm/Lock-Lock-Fine-Ceramic-Bake-and-Serve-8-...eBay Coupons
I do not know if this question is too technical for FW but I thought I'd give it a shot. As most of us (at least those of us who've had to deal with suspended Passive Activity Losses) are aware, the entire suspended Passive Acitity Losses ("PAL") are released and can be applied against ordinary income in the year in which we dispose of our entire interest in the subject passive activity.My question here is under what circumstances does the sale of a business asset used in connection with a business generating passive income/losses rather than of the entire passive income/loss generating asset/business allow you to release suspended losses and apply them against your ordinary income? Here is the context for my question: we have a couple of rental properties and have suspended PAL's as we are way over the income limit. In the past I've taken standard mileage deductions in connection with those. Last year that car was sold (we replaced it with another one) but the rental properties remain. To my utter surprise, because of the car sale, the tax software is allowing me to release the entire suspended PAL's but only if the car sale resulted in a tax gain rather than a tax loss. I've had lengthy conversations with two of TurboTax's "tax experts" (TurboTax includes the option to consult with its tax experts for free this year) who both confirmed that this is accurate.For the life of me I don't understand why the fact that a business asset gets sold at a gain allows you to release the entire suspended loss but not if the same asset is sold at a loss. Even more importantly, depending on the reles related to this issue, this may be an interesting strategy allowing people to release suspended PAL's without disposing of the entire passive income producing asset.
Recently I had to evacuate my home because of a storm. I carried all of my tax paperwork and receipts with me. Because I am such a lucky person a storm also hit where I was temporarily staying and damaged my car and receipts inside. My mind was kind of lost for a few days and I am not sure why I left everything in the car. Will my bank/credit card statements work as proper tax documentation?
I happened to be in a local OfficeMax (St Louis/Crestwood store) looking at Multi-Function Printers for my wife and happened to see this Brother MFC-J6710dw unit in the front of the store on clearance. Tagged price was $215 but when I asked the guy working there about it he thought that there might be additional markdowns on it and there was. Unit rang up at $159 so my out the door price was $175, which is a great deal! I was there to ask about the HP-8600e Premium ($300), the Lexmark Platinum Pro905 ($199 at Microcenter and $$249 at OM) and the Brother MFC-J6910dw ($600 OM online only - Amazon $234) he told me about the 6710. The Brother 6710 and 6910 handle originals up to 11"x17" (tabloid) while the HP and Lexmark are up to 11"x14". While I was really only looking for a two tray model that handled 11"x14" I jumped on this. Mixed reviews like most printers but going up to 11"x17" made me say "Sold!" Got the last one at this store but it might be worth checking around if you have a small office that could use the increased paper size capability. Here is a link - Brother MFC-J6710DW Inkjet All in One Printer. This is showing up at $249 online. The difference between the two Brother units is that the 6910 can duplex fax and scan using the ADF while the 6710 is two sided printing and only one side for copying and faxing using the ADF. Hope somebody finds this useful!OfficeMax Coupons
Nautica Shoreline 5-Piece Luggage Set $139.99 at Macys.
Use coupon XJW562A992CODE to get $10 off.FW CashBack 6%.LinkI missed this deal last September when it was the same price but there was $20 coupon instead.Great reviews too.Macy's Coupons
this is in Irving Texas , I had to move out because of work and had to break lease which I did and paid lease breakage ,now my move out date was 19th of nov , landlord sent me water bill for the whole nov , since i had already moved out in October itself there is no way the water bill would be 56 $ for the month of nov do i have to just bite the bullet and move on or do i have any recourse , its probably not going to be a lot of money but this is fundamentally wrong on landlords part to charge me an entire months water bill , valet trash , and recycle bill
Target (B&M) Grocery has 57 cents per pound Butterball whole turkey. YMMV. The expiration is in August of this year. Whole turkeys will get down to 49cents/pound the week of Thanksgiving, but nothing near that price during the rest of the year. Don't forget the 5% off with Target card. They had mostly 20 pounders at the Target in Franklin, WI. By the way, the other clearance items in the non-grocery section were very weak at this location. I was hoping to get something to add to the target clearance thread or at least buy something from that thread. Instead I walked out with a Turkey.
Target (B&M) Grocery has 57 cents per pound Butterball whole turkey. YMMV. The expiration is in August of this year. Whole turkeys will get down to 49cents/pound the week of Thanksgiving, but nothing near that price during the rest of the year. Don't forget the 5% off with Target card. They had mostly 20 pounders at the Target in Franklin, WI. By the way, the other clearance items in the non-grocery section were very weak at this location. I was hoping to get something to add to the target clearance thread or at least buy something from that thread. Instead I walked out with a Turkey.
as advertised in the current flyer at www.staples.com
Bounty Basic 8 Pack Towels are $5there is a $1/1 coupon in the P&G Saver insert which was in Sunday papers on 2/5/11.Use the manu coupon to pay $4 plus any tax for an 8 pack (.50 per roll)Staples Coupons
The Sterling, VA Bed Bath & Beyond has the Cocoon Grid-It Organizers on Clearance.12" x 8" - $4.99 (Was $19.99) - Amazon Link for Comparison
10.25" x 5.125" - $3.99 (Was $14.99) - Amazon Link for ComparisonThere were ~10 of the small ones and ~5 of the big ones left. These have great reviews on Amazon and seem handy. Good luck finding some!Bed Bath & Beyond Coupons
Check your OfficeMax emails. Almost to the bottom of one of the three emails this past week was a link to OfficeMax In-Store coupon $10.00 off $50+ HP Ink. Valid 02/12/2012 to 02/18/2012OfficeMax Coupons
Hello,I just recently found out that NACA is more than just helping people refinance out of high interest rates. They also provide a home buying program that features zero down, zero closing costs and a current rate of 3.875%, which is all around better than anything else I've see.I'm signed up for one of their workshops in the coming weeks, so I don't know much more about this program other than what I've been able to read about online, which is pretty vague.Does anyone here know about this group? Any experiences to share? Is it difficult to qualify? Any idea on their income requirements? Their site says qualifying is character based. Should I avoid wasting my time and stick with an FHA loan?Any comments/advice is appreciated.Thanks
7 strand freshwater pearl and grey quartz necklace. $7.45 was 42.99. Free shipping with Amazon Prime. Eligible for free super saver shipping.http://www.amazon.com/gp/product/B0069VG4DQ/ref=s9_simh_gw_p197_... A delicate seven strand nylon choker-style necklace with lobster claw clasp with layers of delicate freshwater pearls that dance on the neckline. Features white freshwater pearls with clear and greyish chips of natural quartz. Imported from Italy.Amazon Coupons
Thought this was a fantastic deal... I was going to do the BOGO at VZW on the Razr Maxx, but couldn't resist getting 2 Razrs at $50 bucks each. I picked up 2 at Best Buy today. You need the $50 Best Buy gift card from the "Choose Phone Freedom" promo which expires on 2/12/12.This Best Buy promotion started on 2/10 and runs thru 2/18. Buy 2 Razrs for $199.99. Then, use two $50 Best Buy gift cards from the "Choose Phone Freedom" promo. Your net cost before tax is $99.99 FOR 2 DROID RAZRS!!! Granted, the Razr Maxx has double the battery life, but the Razr Maxx is not $50 bucks. Use the "Smart Actions" feature and get in the habit of charging your phone every night and you should be fine. Sit back and enjoy your phone and wait for ICS, knowing you got one of the best smartphones out there for $50 bucks! Why break the bank when you're going to be doing it all over again in 20 months!!??The promo is good for new/upgrade contracts.Best Buy Coupons
Bought this for Xmas for 59.98 and it was sold it in no time.Just got an email from Amazon telling me it is now available for 39.99Ive seen it sell on eBay for upwards of 70 dollars.Couldnt find this item in any stores and BBB said they are not stocking a product of this type.glass drawer for kcupsAmazon Coupons
I went shopping for phones yesterday. Having tried and returned the T-Mobile version of the Galaxy S2 (phone was great, coverage not so good), I decided to give Sprint a trial. So I bought two of the Sprint Galaxy S2s aka Galaxy Epic 4G Touch. The price tag indicated $98.88. To my surprise and more so to that of the rep manning the cellphone section, the phone rang up at a price of $24.88. I ended up buying two of them. Don't know if this was a mistake or the start of a new promo. It was almost closing time and so the new lower prices may have just been pushed out by corporate just then.Hence the YMMV. Either way its a good price. And no activation fee either.Sam's Club Coupons
Bought one from my local Costco (Item #613870). Model # MSV3024. 2.4 GPM Honda GCV 190 engine. 3000psi. Just took it from the box. Easy assembly. Will give it a try when the weather turns warm.
YMMV
Kmart B&M
Found in zip 88001
DJ Hero 2 for 3 different gaming platforms, now just $11.54.
1. DJ Hero 2 for Wii - was $49.99, marked $39.99, Scanned at $11.542. DJ Hero 2 for Xbox360 - was $49.99, marked $39.99, Scanned at $11.543. DJ Hero 2 for PSP3 - was $49.99, marked $39.99, Scanned at $11.54  YMMV
Kmart B&MKmart.com Coupons
YMMV
Kmart B&MFUNAI streaming video playerModel TB600FX2Was $69.99, now $39.99kmart link
amazon link From the ManufacturerStream digital movies, music, TV shows, pictures, and more to your television with the Funai Full HD Streaming Player. Wi-Fi enabled and equipped with an HDMI port, this device wirelessly streams digital media through your home network to your TV in exceptional Full HD quality. Use services such as Netflix, YouTube, Pandora, or Picasa, or even get Facebook and Twitter updates through the Vudu.Apps. The device comes with a remote control that makes it easy to browse through and search for movies and shows as well as pause, rewind, and fast-forward.Enjoy Netflix, Pandora, and More on Your TVWith the Funai Full HD Streaming Player, you can enjoy movies and TV shows from Netflix, music from Pandora, photos from Picasa, videos on YouTube, and more, right on your home television. This device gives you access to an ever-growing variety of digital media services, including YouTube, Blockbuster, Film Fresh, and Vudu. View movies and videos instantly.Through the Vudu.Apps, you can get sports scores and stock quotes, check your local weather, access your Facebook photos and friend updates, and see tweets from people you're following on Twitter.Note that, while some of these services are free, others require a subscription.
Use Wired or Wireless ConnectionsThe Funai Full HD Streaming Player features built-in Wi-Fi so that it can stream digital media wirelessly through your Internet router without futzing with cables.The device is also equipped with an HDMI port that allows you to stream movies and TV shows to your TV in optimal HD quality. Other terminals include composite video plus audio LR and an Ethernet jack.
Convenient Remote ControlThe Funai Full HD Streaming Player comes with a remote control that enables you to easily browse through and search for movies, music, TV shows, and more and select from the available choices. The remote also allows you to pause, rewind, and fast-forward--just like you would with a DVD player or an Internet video
Product and Warranty InformationThis device measures 1-1/5-by-4-1/2-by-4-7/10 inches (H x W x D) and weighs 6-7/10-ounces. It can sit on a shelf or tabletop or be mounted on a wall next to your HDTV.The Funai HD Streaming Player is backed by a 90-day labor warranty and a 1-year warranty on parts.
What's in the BoxFunai Full HD Streaming Player, remote control, AC adapter, audio/video cables, two AAA batteries, wall-mount bracket/screws, and setup manual. Kmart.com Coupons
I was at Target last night and they had the kamp kitchen 3 in 1 turkey fryer marked down from $59.99 to $17.70. It's a propane cooker with pot.And they had Cajon Oil from $29.99 marked down to $8.98. Not too shabby and cannot find a review.
I was looking at RealtyTrac and looking at their listings. Was wondering if anyone here actually bought a property listed there and what was your experience. RealtyTrac does report numbers that gets reported in news sometimes, am assuming they are not laced with fraud and might be actually listing current, not expired listings. any feedback is appreciated. TIA
Target sells several 6-count Pure Protein High Protein Bars for $6.29 each (prices may vary), my local stores had these choices:Chocolate Peanut Butter
Chewy Chocolate Chip
S'mores
Chocolate Deluxe
Peanut Butter Carmel SurprisePrint $2.00 off Target Coupon here:
http://coupons.target.com/healthcare-couponsSign up for Pure Protein's Newsletter and they will email you a link to a printable $1.00 off coupon (this is a unique bar code). Find the sign up page here:
http://www.pureprotein.net/pages/newslettersignup.aspxTarget allows you to stack a store coupon and manufacturer's coupon. Final price $6.29-$2-$1=$3.29 or about $0.55 a bar. By contrast, Amazon is about $.89-$.99 a bar with subscribe and save. I was able to print both coupons twice. You can also use the coupons toward protein powder or other non-single serve PP items.
LINKBOGO on the RZR or RZR MAXX- Deal ends Feb 20, 2012I made a thread yesterday about this deal but it was for the Droid RZR. I now confirmed with Verizon that this applies to the more expensive Droid MAXX as well. The MAXX has more than double the battery capacity of the RZR and I think it has the best battery life of any phone on the market today (can someone confirm?)Valentines Day special does not have the Maxx listed as BOGO, so many may not be aware of this deal. I think the battery life is worth the extra $100. a BOGO on the RZR is a hot deal already, the BOGO on the MAXX makes this deal twice as hot credit goes to joemahVerizon Wireless Coupons
Department of Goods is the outlet store for BackCountry.com and Dogfunk.com. Everything is already marked down from retail, but with the coupon code everything is 40% off (unless it was already more than 40% off, in which case you get the better discount). There's already some 11/12 gear on the site. Free shipping with $50 purchase. 4% CashBack, though the coupon may kill it.Promo code: 6AS-1-UGL9AExpires 1/1/2014, enjoy.
Went into my local Advance Auto today to pick up oil change supplies. On the clearance rack were 1qt bottles of Peak brand full synthetic motor oil. Shelf sticker was $3.95, range up at $2.95. Regularly $6.59 according to the Advance Auto site.Advance Auto Parts Coupons
Anyone here know the legal significance of a Notice of Intent to Accelerate? Some tell me it's equivalent to a Notice of Default (NOD) but others say that under California law you are not in pre-foreclosure until you have actually received the NOD by registered mail.
Anyone here know for sure?I'm in the middle of a strategic default, on a townhouse that's about $125,000 (25% of loan balance) upside down after Bank of America refused to let me out of a bad ARM even though it was a single purchase loan, never refinanced. (Because I have stable income they assumed I'd keep paying forever.) I stopped paying the mortgage in May 2011 and I want to have some idea of the date I will actually have to leave and rent. It's now Feb 2012 and I'm still living in the house, paying Homeowners Dues and Insurance and carefully saving each months "mortgage". "You Walk Away" predicted they'd kick me out by October 2011.....I got Notice of Intent to Accelerate in July 2011 and BoA Loss Mitigation now wants to talk modification (which I am no longer interested in now, after having already trashed my great credit). Naturally, Principal Reduction is never on the table, but I keep giving them all the info they ask for without any lying or omissions, to see if they will offer anything that remotely makes financial sense, and to my surprise the BoA loan officer told me last week that she thinks I am not yet in the foreclosure pipeline at all, because they are still "working with me". Surely they can see it's in my interest to walk? I'm very happy to be saving so much money living rent free, but it seems bizarre. (I'd expected to be kicked out in 6 months.)
When will I get a Notice of Default, or will the next step be Notice of Auction Sale?
I just got a lifetime license for Malwarebytes Pro for $2.09.Here's how:Go to CNET and click on this link:http://download.cnet.com/3001-8022_4-10804572.htmlClick on the green "Get it Free" button. Sign up for the TrialPay offer.I went for Big Fish Games and bought the game "Mystery Case Files: Dire Grove" for $2.09 using Paypal. Make sure you use the Big Fish code for a discount.Note: Big Fish Games will automatically enroll you in the Big Fish Game Club with your game order so make sure to go to your account on Big Fish Games and cancel the club membership. It is easy to cancel and I got my cancellation email immediately.The Pro code for Malwarebytes was delivered by TrialPay immediately.So, now I have Malwarebytes Pro for life and a game I'll never play for $2.09
White Teardrop Freshwater Pearl Y" Style Necklace $19.95 FSwas $69.99http://www.divinejewelry.com/Teardrop-Freshwater-Necklace-Sterli...Get a seven strand freshwater pearl necklace for $0.95 with the purchase of this item. Simply add necklace along with other purchases to your cart. Discount will be applied at checkout.
Now 9.95 was 48.99 Free shipping with Amazon prime. Illegible for Amazon free super saver shipping
http://www.amazon.com/gp/product/...ull-site=1You'll glow in this gorgeous single 62 inch strand of bronze colored freshwater pearls with citrine and golden-yellowish round and rectangular shaped glass beads. Get creative by doubling or tripling the strand, knotting it, or even wearing it wrapped around your wrist. Sterling silver lobster claw clasp. Imported from Italy.Amazon Coupons
I was at Target last night and they had the kamp kitchen 3 in 1 turkey fryer marked down from $59.99 to $17.70. It's a propane cooker with pot.And they had Cajon Oil from $29.99 marked down to $8.98. Not too shabby and cannot find a review.
LINKBOGO on the RZR or RZR MAXX- Deal ends Feb 20, 2012I made a thread yesterday about this deal but it was for the Droid RZR. I now confirmed with Verizon that this applies to the more expensive Droid MAXX as well. The MAXX has more than double the battery capacity of the RZR and I think it has the best battery life of any phone on the market today (can someone confirm?)Valentines Day special does not have the Maxx listed as BOGO, so many may not be aware of this deal. I think the battery life is worth the extra $100. a BOGO on the RZR is a hot deal already, the BOGO on the MAXX makes this deal twice as hot credit goes to joemahVerizon Wireless Coupons
Full ATX case. This has been posted before but it was after $50 rebate. This time it's 5 bucks out the door.Text
Note: This is a really ugly case, unless it's for a 9 year old who likes construction equipment. Or you plan to hide it in a closet. Not for something you want on display if you don't like people snickering behind your back. Hey, it's 5 bucks for a case.
Just got back from the Sears store in Cherryvale Mall in Cherry Valley, IL (Rockford), and they have a bunch of cameras for pretty good clearance prices. The Sony Nex3K with the 18-55mm lens, Nikon D3000 with the standard kit lens, and the Canon SX130 were the nicest ones. They had multiples of each.

The Sony was listed as display only but she gave me one of the three new ones for that price.Sears.com Coupons
Four WheelerTo get your complimentary one-year subscription to Four Wheeler (and to find out what FREE business magazines you could receive), simply complete the following information.
This magazine is devoted to the four-wheel drive enthusiasts and the four wheel drive industry. It directly addresses the technical and lifestyle interests of four-wheelers and their vehicles. As well, it covers performance, new tests and long-term evaluations, tire tests, off-road competition and hands-on technical how-tos for ultra high performance and routine maintenance. You will need to enter a few items but you will not receive much in the way of spam-
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The information entered above will be used to provide you with a list of FREE business magazines that you could receive and to send you additional great offers. Magazines for individual use only. Not for resale. For qualifying residents of the 50 U.S. States, Puerto Rico and Washington DC.
Botach Tactical (love 'em or hate 'em) has the Peregrine 1800 Tactical Backpack for $39.95 shipped. Amazon has them for $59. I ordered one in the coyote late last week and got it earlier this week, so no problems with the vender. IMO the pack is very nice and was well worth the $$$. Specs:
Hydration-compatible
Large front pocket with organization
Reservoir sleeve
Mesh water-bottle pockets
Security pocket
Extra-large, fleece-lined pocket accommodates wrap-style sunglasses or goggles
Side compression straps
Daisy chain
Front-panel access
Accessory lash points
Hydration keepers on shoulder strap
Suspension Features:Padded, breathable backpanel
Padded shoulder straps
Sternum strap
Adjustable-length shoulder straps
Delrin arch support
Removable webbing waistbelt
SpecificationsWeight: 2 lb. 1 oz. / 0.9 kg
Length: 18.5" / 47 cm
Width: 14.5" / 37 cm
Height: 12.5" / 31 cm
Volume: 1800 in3 / 29.50 l
Torso Fit Range: Adjustable
MaterialsBody Fabric:
500D nylon kodra and 1000D nylon kodraLink
Handed out at a blockbuster that was shutting downSee Attached document for instructionsRequires a credit card
Was taking quick gander at what Costco had to offer and saw this for $399. Nothing to run out in your skippys just to snatch up, but if you're in the market and are a fan of HP laptops, this just may be for you.HP g6x @ Costcoi3-2330M 2.2GHz, (3MB L3 Cache)
4GB DDR3 SDRAM (1 DIMM)
500GB (5400 RPM) Hard Drive
SuperMulti DVD Burner
Microsoft Windows 7 Home Premium (64-bit)
15.6" Diagonal LED BrightView Widescreen Display (1366 x 768)
Intel HD Graphics 3000
802.11 b/g/n WLAN
Integrated 10/100 Ethernet LAN
Integrated HP Webcam and Digital Microphone
Built-in Altec Lansing Speakers with SRS Audio
3x USB 2.0 Ports,HDMI,VGA,LAN
6-cell Lithium Ion Battery (*up to 4.25 hours)Color: Charcoal Grey
Dimensions: 14.72 W x 9.65" D x 1.20" ~ 1.43" H
Approximate Weight: 5.5 lbs.
FYI: Limit qty 1 per order.
Shipping adds $29.99 HP g6x review scores it at 4/5 stars at Laptop Magazine.Have at it!
Crackdown 2 Xbox 360 Game Microsoft
Was: $19.99Now: $7.99
Free ShippingTextNewegg Coupons
Blood Drive Game for PS3 / Xbox 360
Was: $39.99
Now: $7.99
Free ShippingTextNewegg Coupons
Went to Costco this evening and they had this driver for 139.99 after instant manufacturer rebate, plus tax. This was in Vista, CA.Thanks for the tip.
$10.99
20% off w/coupon 85624
$8.79.
Shipping is $1.99 w/coupon 86959Hanes Signature Men's Cotton Crewneck Sweater
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Hanes Signature Women's Deep V-Neck Sweater
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Hanes Signature Men's Cotton V-Neck Sweater
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Hanes Signature Men's Cotton 1/4 Zip Sweater
TextHanes.com Coupons
Canon has dropped the price of it's T2i refurb by $80. Unlike the T3i, it qualifies for the Canon Loyalty program, where you can exchange pretty much any canon digital for a 20% discount. The sale price is $559.99 - 112(20% for CLP)= 447.99 + tax in most areas. You must go through customer service 1-800-385-2155 and tell them you want to buy one of these under the loyalty program, the will take the 20% off and send you the new camera in a refurb box with a return label. Just send the
broken camera back. I bought broken canon A series off craigslist for $5 and used it for the discount.LinkThe T2i Body only was marked down to $384 after CLP, but it is now out of stock. More may come in before the sale ends.LinkThe Ti is also discounted, $332.79 after CLP, but the T2i is definitely worth the $50 upgrade. The T2i is a generation up from a T1i, where the T3i is a T2i with upgraded features.LinkCanon Coupons
Pizzahut Dinner box $16 value for $10.001 medium 1 topping pizza
5 breadsticks with Marinara Sauce (upgrade to cheese sticks for extra dollar)
10 Cinnamon Sticks with icing
looks great deal to me, seems like online ordering wasn't working, I called and they did the phone order for me.
I was having a conversation with my co-workers at lunch and I was surprised to find out how many people had separate bank a/c from their spouse. I would say the split was 50/50. Most had a joint account that they would both fund to pay for common expenses, but had their own accounts otherwise. My question to you - do you have separate accounts? and if so, why?
I have a basic Citi ThankYou card (converted from a Driver's Edge Master Card) that currently has a BT on it (0% APR for ~12 months w/3% fee). I signed up for a pilot that was linked to this card so I wanted to use it to see how it worked. I charged 2 transactions and requested 1 reward on one of the transactions. The total of the 2 was 11.36, and I got 10.00 statement credit.I look at my statement, and I see I got a minimum charge fee of 50 cents. I e-mailed customer support and this was their response:
[quote]There will be a minimum interest charge of $0.50 for each billing period in which an interest charge can be assessed.Thank you for using our website.
[/quote]This doesn't make sense to me, as I thought new purchases had a grace period for interest until the next statement due date. Does this only apply if you zero out your balance each month?tl;dr: Did BT in 9/2011 (0% APR/3%fee). In 1/2012 charged 2 transactions to card (11.36 total, 10.00 statement credit). On 2/2012 statement I see a minimum charge fee of $0.50. Is fee right or wrong?
Was hoping for something a little more substantial from OSH for the weekend, but this is the best they could come up with. Free 5 gallon bucket with $40+ purchase. Coupon came in email, and is required. Limit one, while supplies last, blah blah blah. Barcode is not unique, as I got 2 at 2 different emails that were identical. See attached.Orchard Supply Hardware Coupons
So my fiance and I are buying a car tonight. Loan is for $34,000 and will be through the dealer. We use USAA for insurance, for which I qualify because of my dad being military but she doesn't.I've never done an auto loan before since they always seem like a waste, but right now for 1.99% for 60 months is just too good to pass up.I'm trying to decide whether to do the loan joint, or by myself.I have slightly better credit than her, according to creditkarma transrisk is just under 800, vantage 960. I have the mortgage in my name. No other debt other than credit cards at a very low utilization being paid off every month (limit of $150k-ish).Her scores are transrisk 750, vantage 850. Only thing on credit report is credit cards at a very low utilization being paid off every month (limit of near $100k).Very soon we want to refinance the mortgage, and I want to refinance one of the cars I own outright with penfed for another new auto loan for $20k. Obviously want the best rates I can get, so I'm a little bit protective of credit at the moment.Originally I was just going to have her apply for the auto loan, which she was approved and everything would be great except USAA won't let me insure it if I'm not on the title, and to be on the title I have to be on the loan. So at this point I can either do the loan myself, do the loan joint, or go with a different insurance company.I ran through creditkarma's credit simulator, and adding the loan drops her credit score by 30 points, whereas it drops me by 15-20. Two questions:
1) Does it not matter that the loan is joint? In other words, for me specifically, if I get the loan joint or get it on my own, it shows up exactly the same on my credit report regardless of if it's totally my responsibility or not, correct?
2) Will these scores actually drop permanently by these levels, or is this just a temporary drop that it's simulating?I may try to shop around for insurance, USAA doesn't seem as cheap as it used to, it might not be worth jumping through these hurdles.Thanks for any input!Edited to take out some exact details
This question isn't for me, rather my wife. She has some interest from a potential employer and she would like to make the move. Their HR appears to have this standard procedure where they'll ask you a couple of questions about why you're interested in the position and of course one question asks for salary requirements. It explicitly states you have to put in a number or they'll toss your application. For this specific position we already managed to find out exactly what range the company is willing to pay. When she answered this question she put down a range of $10k for her answer, but the answer itself was within what the company was willing to pay, just on the higher end.She received a response from the HR lady today asking if she'd be willing to interview but wanted to know upfront if she'd be willing to come down by $10k on the low end of her salary requirements. My thinking is this is just the HR drone trying to do her job according to some dumb policy of lowballing everyone that applies. If she gets in front of the hiring manager and makes an impression, she should be able to negotiate from there. I suggested just asking how flexible they were on the salary, ask about bonuses and benefits, and then grudgingly agree just to get the interview at least.Does my suggestion seem sound or any other tips people could offer on how to handle this?
Recently I've heard several advertisements for Regions Bank while driving and listening to KNX News Radio. I knew they were a bank mainly in the southern U.S., but I went to their website just now to be sure. I even navigated through their open an account pages, to see if I could open an account. I was stopped at the page where I select my state from the pull-down menu. California isn't listed, with a little question mark I can hover over that says Regions only opens accounts in their 16 state footprint.So why are they wasting money advertising in Los Angeles? I don't think they're try to reach the few folks who may live in their territory but listen online, or the handful that may be traveling. Maybe it's a way they buy bulk advertising for radio but don't know where commercials get played, but I'm not sure.
Vizio E370VA 37" LCD HDTV - 1080p, 1920x1080, 16:9, 50000:1 Dynamic, 5ms, 4 HDMI, (Refurbished)Link$50 Off Coupon: TWB54949Warranty is 3 months parts and labor.This may not be as good a deal as the $300 Haier, but I thought it was worth posting.TigerDirect.com Coupons
SATIN NATURAL ONLY. Let me preface this by saying I know almost ZERO about guitars. I bought Rocksmith to learn and have been using a 3/4 size First Act guitar and decided to get something a little bigger and "better" I suppose. I did a lot of reading and it seems this is a good one and a great price. Free ship to store and maybe free ship to home if I am reading correctly. Go HERE and add the SATIN NATURAL to your cart then add coupon VDAY20 and check out. My total was about $85 inc tax.Guitar Center Coupons
MARTY'S SALAD RECIPE
From the Buggy Works Restaurant
Farmington Hills, MI USA
http://www.familybuggy.com/
SPECIAL NOTICE:
The Buggy Works Restaurant has gone out of business as of January 08, 2012 after 44 years and all of the restaurants collectibles & even parts of their walls have been auctioned off. For more information about the closing please go to their website above. I personally met Don Payne owner of Buggy Works and he's retiring at the age of 70 and is also a Cancer Survivor. THE STORY OF THE MARTY SALAD
============================
The Restaurant oringinally had 6 other salads prior to the Marty Salad, But weren't selling well. One of the waitresses said her grandmother had a "Old Fashioned Family Receipe" and she shared it with the buggy works owner in which the new salad became an instant hit. The name of the salad was named after the waitress or the grandmother first name.
SWEET AND SOUR SALAD DRESSING:
1 (14 oz.) can Eagle brand sweetened condensed milk
1 cup Karo corn syrup
1/2 c. white vinegar
1 1/2 cup Miracle Whip Salad Dressing
1/4 lb. (1 stick) margarine, sliced into small piecesIn top of double boiler, over simmering water, combine all ingredients with a wire whisk til margarine is melted completely. Let cook over simmering water 30 minutes (set your timer), stirring occasionally. Put mixture through blender on high speed just a few seconds to combine and cool before refrigerating tightly covered. Refrigerate several hours before using. Note: if dressing becomes too thick, thin with a little hot water.(makes 1 1/2 quarts). To use the dressing like the restaurant serves it, toss together lightly in a large bowl: 1/2 head iceberg lettuce torn into bite sized pieces, 2 c. endive lettuce torn also, 1/2 c. very thinly sliced red onion, 1/3 c. Hormel Real Bacon Bits, 1 pck. (4 oz.) Kraft's finely shredded Cheddar cheese. Apply enough dressing to lightly but evenly moisten the greens in the above mixture. Let stand 10 minutes before serving. Divide between 3-4 salad dishes. Serve additional dressing on the side.
Last night we went to settlement on a refinance and one of the papers we had to sign had an option that would either let the escrow provider keep the interest, or for a $50 fee we could keep the interest.It seemed a little sneaky, as the page was blurry, small typed and slipped in near the end of the signing process where people probably get fed up and stop reading things.Bonus: The option to let the provider keep the interest had a hand written star next to it.I took the $50 option because even at crappy rates, I should recoup that in at least 2 years.Any thoughts on this subject?
Five-Strand White Freshwater Pearl Bracelet $19.19 FSwas $41.99http://www.divinejewelry.com/Five-Strand-Freshwater-Bracelet-Ste...Get a seven strand freshwater pearl necklace for $0.95 with the purchase of this item. Simply add necklace along with other purchases to your cart. Discount will be applied at checkout.
Anchor Hocking Essential 6-pc. bake-n-take insulated tote set $19.99was $49.99free standard shipping with $75 purchase
or
$5.99 shippinghttp://www.shopko.com/detail/anchor-hocking-essentials-bake-n-ta...Set includes a 3-qt. baker with a blue plastic lid for travel, a 2-qt. baker with a blue plastic lid for travel, a convenient baker tote and a Hot/Cold pack.Shopko Coupons
In MissouriSAPPINGTON
11355 Gravois Road
314-849-1313SUNSET HILLS
10215 Watson Road
314-821-7477SOUTH COUNTY
12864 Tesson Ferry Road
314-729-1233In IllinoisGRANITE CITY
1511 Niedringhaus Avenue
618-877-RAIN (7246)EDWARDSVILLE
1601 Troy Road
618-659-0850
Hi guys,
I am really hoping to get the fat wallet effect going on here in resolving an issue that has been bothering me here for a while... Or at least may be you all can help me get a better understanding of what is going on...
I will try to keep the story and the numbers simple for the sake of argument and easy calculation.
As far as I understand any additional payment over the minimum should go to the highest interest baring balance first. If interest is the same, towards the balance which will have the promo low rate expire first, correct?So lets say, I have:Offer 1 - BT @ 0.00%, $5,000.00 done in May 11 expiring in May 12
Offer 2 - BT @ 0.00%, $5,000.00 done in June 11 expiring in June 12
Offer 3 - BT @ 0.00%, $5,000.00 done in July 11 expiring in July 12
Nothing else on the card.Minimum payment for the sake of argument flat @ $250.00/month.
Every due date I make a $500.00 payment.Therefore, $250 should be going to Offer 1 and 250.00 to Offer 3.
That being said, lets say now in February, I should have Offer 1 with a balance of 5000.00 - ( 6 x 250) = 3,500.00 and the same for Offer 3. Offer 2 should stay the same at 5,000.Unfortunately, my statement still reflects offer 1 and 2 at $5,000.00 each and offer 3 at $2,000.00.
Therefore comes May, I will start paying interest on 5k instead of 2k etc, you get my drift.
I have noticed that a while back and contacted them numerous times. All I get is vague replies and how I will get an explanation in the mail.
When I requested a breakdown of my situation from an actual accountant, not a CSR, all I got in the mail was a lousy letter stating that reads the blah blah:
"Each month's minimum payment due is applied in the following order:
- Past due amounts
- Current interest charges
- Principal balance in APR order from the lowest to the highest
Amounts in excess of the minimum due are applied to balances with higher APRs before balances with low APRs.
Thanks for contacting us, blah, blah, if you have questions call our 1-800 number...."
And the vicious cycle continues...I am estimating that just for May and June till all balances level out again to the standard APR I will be paying about $200.00 interest that is not due if the extra payments were applied correctly.
I am sure that I am not the only one in this situation and I feel so angry that I would like to sue them...
What do you all think?
I converted my non-deductible Traditional IRA (~$20k) to a roth last year but did not realize (and did not convert) a small deductible rollover IRA that I also had from a previous 403b plan (about $1500). Any suggestions about how I can correct this? Do I need to file an amended return or could I include it in my rollover this year?My understanding was that the IRS treats all IRAs as one when you convert and so I probably miscalculated something by not including the traditional IRA in the conversion. Any suggestions about how to handle this?
Arm & Hammer Laundry Power Paks 32ct on Sale for 5.49 at KmartGood for both HE Washer and non-HE washerMIR form is on the outside package (Try One Free up to 9.99 with purchase via mail in refund)Kmart.com Coupons
..are going over the next 6, 12, 24, 36, 60, 120 months.None of us have a crystal ball but I think some here have enough economic savvy to discuss where we think we are in the process of recovering from this bi economic crisis we went into.Some will say were almostt out, other will say we are barely in yet and the worst is well ahead. Others are somewhere in between.I feel that we are flattening around here because A interest rates just cant go much lower unless tthey wanna pay us to buy homes and B because the govt and the banks will continue to soften the blow and slowly release bad inventory for as long as it takes to filter it out.I think that will take several more years and will cost us under 35 and our kids for decades to come, but thats whatr I think will happen.I feel we'll see this 3.25% range (conv 30yr fixed) till the spring where it'll rise to 3.75 for the "buying season" and by winter will be back down to these levels and prob bounce that was for at least 3 more years. Maybe then we'll see it reach 4 to 4.5 for a couple more years.I think they will keep slipping home inventory in the market slowly trying to hold values about where they are now slowly over the next 5 to 8 years until its gone.What do you think???
Various sizes, but limited amounts of each. Lots of other shoes and boots similarly priced. Link: http://www.eddiebauer.com/catalog/product.jsp?ensembleId=40703&c...Eddie Bauer Coupons
This is a hot deal going on at RitzCamera.com nikon d5100 refurbished 599.99. This refurbished product come from nikon no third party and they look like if it was new. Also RitzCamera is also including 1 year warranty That covers accidental drop or liquid damage. And free shipping and no tax.http://www.ritzcamera.com/product/RI541538917.htm?bct=t1134RitzCamera.com Coupons
Find it here.Yes this model is almost 2 years old, but unless you absolutely need the Network A/V features this is a killer deal. I was able to get the v671 for about the same price from a local reseller recently (lowest I have ever seen on the v671), but I might have jumped for this deal had it been available. The a800 has 7.2 support, twin HDMI outs, extra 5w per channel, and better support for pre-amp outputs if you plan on running a secondary amp.One disadvantage of this deal is it looks like it drops the normal 3-Year AVENTAGE warranty down to 1-year.Newegg Coupons
I don't know if it is just at my local store, but I purchased three winter coats for $20 each today. Original price was between $100 and $250.
This is one of the ones I purchased so obviously not the same deal on line.
Coat
This is another one:
2nd coatSorry, I forgot to add these were in Kokomo, IN.
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
http://www.newegg.com/Product/Product.aspx?Item=N82E16820220561Patriot Viper Xtreme Series, Division 2 Edition 8GB (2 x 4GB) 240-Pin DDR3 SDRAM DDR3 1600 (PC3 12800) Desktop Memory Model PXD38G1600LLKWas: $49.99
Now: $39.99 - $15.00 rebate + Free 2 day Ship = $24.99 shippedModel
Brand: Patriot
Series: Viper Xtreme Series, Division 2 Edition
Model: PXD38G1600LLK
Type: 240-Pin DDR3 SDRAMTech Spec
Capacity: 8GB (2 x 4GB)
Speed: DDR3 1600 (PC3 12800)
Cas Latency: 8
Timing: 8-9-8-24
Voltage: 1.65V
Multi-channel Kit: Dual Channel Kit
Features: Low Latency (8-9-8-24)
XMP Ready
Equipped with an extruded aluminum shield to provide improved cooling
100% Tested and Verified
RoHS Compliant
Tested on Intel P67 platform
Recommend Use: High Performance or Gaming MemoryManufacturer Warranty
Parts: Lifetime limited
Labor: Lifetime limitedNewegg Coupons
I visited a dental office to have a deep cleaning and root canal. I have an individual dental plan from Delta and the dentist is in network. Before each procedure, I always asked the accountant at the front desk whether the procedure is covered and how much is covered. They told me both are covered at 50%. So I have the treatment done. After several months, I received a bill of more than 1200 from the dental office. Because in addition to the deep cleaning and root canal, they also charge huge amount for so called consultation, evaluation and several Xrays which they told me are covered by insurance and I am not responsible for those. I later found out that the insurance company denied their claim as there's a limit on the service claimed. But I was not informed before and at the time of the treatment that it was COVERED. Had they informed me correctly, I will not let them take the Xrays and the consultation and examination was not performed without letting me know (Each time I went their office, I sat down and they finished the procedure, I was not even aware there is a procedure called consultation and evaluation!)Long story short, here is my problem:
1. They told me some procedure was covered before the treatment but turned the responsibility to me after they failed to get money from the insurance.
2. They charged consultation and evaluation without letting me know there is a charge.I accepted that I am responsible for the deductible and charges beyond the yearly max ($1000 for me). But that is only around 500. the rest ($700) are from the services that I am not aware of or due to their false information on the coverage. I am willing to pay the $500 but not the total $1200!Any suggestions on this will be greatly appreciated.
In 2009, I made an incorrect IRA contribution of $2,000. Later, I realized I was not allowed/qualified for this amount. I sent my IRA custodian a form called "IRA Return of Excess Contribution Request" to reverse the contribution. Now, I received a letter from IRS claiming a "Reportable Distribution" of $2,000 for 2009. I believe when my IRA custodian reversed the contribution I made in 2009, that amount should have not been considered a distribution and therefore should not be subject to any taxes or penalties. Am I correct in this assessment?
My mother in law just renegotiated a lease of a piece of property they used to live on that was condemned so the local mall could be built. Her lease income went up substantially every month. ( she is now getting every month double what she used to get for the whole year, go figure) So she's got all this new money and it's great and she wants to share the income with her kids, fix her house, take a trip back to the homeland. But she now has to pay taxes since this is a lot more than she ever had. What would be the best she could save on taxes? Another thing that we are considering is paying or saving for Long Term Care. Shes 83, relatively healthy and pretty sharp and her mother lived to be 103 and she comes from a part of the world where this isn't unusual to live into your 100s. So she probably has another 20 years to go. thanks for any input
I'm currently financed with penfed on my house with a 30yr fixed at 4.75% and a 10 yr HEL at 7%.
I currently owe 88.5K on the 1st and 16.2K on the HEL.I want to refi with minimal out of pocket costs and keep cash in hand.
I'm currently paying 50 extra each month.My target is to refi to 3.125% Looking at the Penfed 5/5 or 15 yr fixed (except there are closing fees on the 15yr fixed that I would have to pay)I intend to increase my total monthly payment to about $950 per month with a target to pay it off in about 10 years.
I may only live there another 3 years and am leanings towards keeping the place and renting it out once I buy a bigger home.My gf/fiance will be joining me in the home in a few months at which time the household income will be about 120K.I'm concerned an appraisal will come in around 120-125K. It was appraised in Aug 2010 at 127 though I am pretty sure its worth more than that, but based on Zillow, values are down a bit more since then (went lower and now on a little rise). Dunno how valid Zillow is as a tool.I've also done additional kitchen and 1 bathroom updates since that appraisal that should help.If the appraisal returned at 130K, I'm golden and can refi with no cost to me into that 55/ at 3.125%
If it comes in at 125K then I either have to pay about 400 bucks to end the refi efforts and cover the appraisal, or I have to pull about about 4500 dollars to get to 80% LTV.I am considering just doing the chase 0%BT for 15 months, BT about 4500 out, use it to get to 80% LTV, and for the first 12 months following, just pay myself back about 350 to 400 per month instead of maying the extra on the house. Then resume full extra on the house. IF I HAD to cover that BT in cash I CAN DO it, just didn't want to pull out my money.My credit nibbles just under 800 on all 3. Never been able to get over 800 cause I keep applying for CC and getting their bonus offers.Is there a better solution? I'm wondering if HARP 3.0 will be of better use to me? That should be on the docket for approval as soon as yesterday I think..but havn't heard.My idea on maybe renting the house one day is that I see it that I've invested too much to sell in the down market now and if we move in 3 years, I could rent it for about 1000 per month, and maybe in 10 years and on, it might be 1100 to 1200 month residual income as I move towards 45 to 50 years old.Ideas, thoughts welcome...
Last night we went to settlement on a refinance and one of the papers we had to sign had an option that would either let the escrow provider keep the interest, or for a $50 fee we could keep the interest.It seemed a little sneaky, as the page was blurry, small typed and slipped in near the end of the signing process where people probably get fed up and stop reading things.Bonus: The option to let the provider keep the interest had a hand written star next to it.I took the $50 option because even at crappy rates, I should recoup that in at least 2 years.Any thoughts on this subject?
130 lumens CREE P2 LED flashlight $25 Shippedwas $40http://www.gearhog.com/?did=12658Deal Overview
The P2 flashlight from Gun Shack features dual power capability to run either on a single AA or CR123 battery. The unit features a CREE XR-E Q4 LED for an incredible output of 130 Lumen. The flashlight features a tactile click on/off button on the rear of the flashlight. Once turned on, the user can toggle between high, medium, and strobe functions with a slight press of the on/off button. After turning the light off for 20 seconds, it will revert back to high the next time it is turned on, regardless what the previous mode was. The flashlight is constructed of anodized 6063-T6 Aircraft Aluminum and features o-ring seals on all parts for optimum weather resistance
http://www.giveawayoftheday.com/The program is available for $49.95, but it will be free for our visitors as a time-limited offer. February 9, 2012WaveMax Sound Editor is an ideal solution for audio editing and mastering. The program contains everything you need to create great sound recordings and audio CDs, including professional tools for recording, analysis and editing.

The WaveMax user interface was designed with speed, accuracy and ease of use in mind.
My first contribution, these are nice quality at nice price:Frontgate 20 x 30 'Perfect Size Hand Towel' $3.50Link: http://www.frontgate.com/x/38421?SourceCode=ZZ51120&cm_mmc=SEM%2...***Up to 7 towels added $5.00 shipping, then it went to $8.00 for 8+...***
Surprised not to see this on here already. This is in-store only, but you call call them first to check, I'm sure this is nationwide at all Sams.I was able to pickup 2 SGS2s, 2 SGS, and one flip for just $200. No rebates and no activation fees (at least they said if T-Mobile adds the act. fee just come in and they will clear it up). Got the $30 5GB+hotspot on my line - great deal compared to other carriers (except Sprint, but they have no hi-speed where I live/work so I've switched)Very happy with this phone, especially at this price.Sam's Club Coupons
I know a woman whos finace' had a CD in his name and he passed away and the CD was put into a TTEE/trust for the woman automatically as thats how it was set up. It was setup that way long before his death. Question... Is the inheritance tax still due on that CD or is there a special rule for this type of situation?The man that passed away willed his estate to his nephew but the CD in question was already in his finaces name as the trust/beneficiary. The newphew forwarded the CD info to a probate laywer before the woman even received a copy of the CD and the woman then received papers from the lawyer to pay 15% to the State for inheritance.Is that correct? Must she pay that 15% or is there something that may have been overlooked by the lawyer? I really don't know too much about this stuff and I know there are some here that know quite a bit about it and thats why I came here to ask.The State is PA in case anyone needs to know.
not sure how hot this is, but Thought worth pointing out. 2tb drives back down to reasonable prices. It was in Amazon's best deals pagehttp://www.amazon.com/Seagate-Expansion-Desktop-External-STAY200...Amazon Coupons
Text
Last deal Saveology had was 2 tickets for $14, which is now dead
Posted here
http://www.fullofdeals.com/forums/expired-deals/1164517/Saveology Coupons
I have always liked Panasonic... and I owned a 32" LCD TV from them that I really enjoyed.Anyone looking for a quality bedroom set, or perhaps just a small LCD TV with 1080p resolution
this seems like a great price. Can't remember the last time a nice set like this was 329.You can also use this as a decent computer monitor through the HDMI port... get a DVI-HDMI cable
and away you go... Use Discover to take off an additional 5%. There may be other ways to squeeze out a little more. =)
Hope this helps.
TextBest Buy Coupons
I opened accounts in Dec. 2011 which generated interest, with the first distribution of interest occurring in early January 2012.The bank is saying they will not be sending me a 1099 for 2011 as no interest was "distributed" until January. I always went on the assumption that it was based on when interest was EARNED not distributed.Is the bank correct?
This thread is on behalf of my significant other.Her background includes
1. An MA in English Literature.
2. "Adjunct Professor" in a college for 1 year. This is outside USA.
3. Stay-at-home mom looking after the kids for the past 6 years.WES (and education evaluation service) evaluated her GPA to be 2.996 in BA and 3.336 in MA.She loves teaching. So she decided that she'd like to become an elementary teacher. The degree she would like to work towards is an MS in Elementary Education along with state certification. In our state - that is a 5 year program (yes - you read that right!!).Factors/Reasons for choosing "Elementary Education":
1. She loves teaching.
2. If she can get a job in the same school where our kids go (or if kids can move there) - then it will become very convenient. Her vacations will always coincide with the kids.
3. Perceived lack of safety for teachers in some high schools - hence elementary teaching is preferred.
Sequence of events since figuring out what she wants to do:1. She took Praxis 1 in 2011 and scored 95th percentile or higher in all three sections. She also cleared TOEFL.2. She spoke with the academic adviser of the teaching college she'd like to go to. The advisor said that subject to her being accepted in the school, they should be able to transfer all the credits (as equivalents) from her overseas English MA and knock down 2.5 years from the MS program. i.e. she should be able to complete her MS in around 2 years (instead of the regular 5) if she is up for it. He also asked her to complete 5 pre-requisite college courses before she applies for admission. These are a couple of math courses, a science course, a child psychology course and a US History course.3. She took the Accuplacer placement test in the nearby community college in order to qualify for the math courses since she did not do any college math before. She needed the level D (Pre-Calculus). She got this level and also scored pretty good (99th percentile in all the levels except for the "college level algebra". She got 80th percentile there).4. The director of the department that offers these tests happens to be a Math prof and he also happened to be the one who signed the waiver allowing her to sit directly in the required math courses. Apparently he liked her placement test scores enough to offer her a "job" as a "tutor" in the community college for some of their elementary math courses. She is currently doing this job (mostly as a way to add this to her resume) a few hours every week (along with 10 credits and two kids). Apparently the director is so far happy with her work. He also thinks she is "overqualified for an elementary teaching job", "it was a waste for her to study English and should have taken Math instead", and that she should at least aim for a high school teaching job if not higher. He was also gracious enough to offer to give her a recommendation based on her job and personally speak with the folks in the teaching college when she applies there.6. The feedback from her classes (at the same community college) is also very positive so far. After two classes, her math class prof (different from the earlier one) was ready to write a note to the Math chair waiving further pre-requisites for her so that she could apply to the MS program this Summer instead of in the fall.After this long "history" - now it is my time to ask for suggestions and feedback. What other career options could she have opted for (or can still look at)? She wants something relatively low stress so that she can be with the kids more.Will she is considered overqualified for an elementary teaching job? How easy/difficult will it be for her to find a job (or change when she needs it) assuming she does well in the college?
I'll try to keep this short and include the important issues. This went down a week ago and has been running through my mind every night. I hope this can raise some awareness of this scam and perhaps find some valuable advice from FWF members.I've been doing the rental property thing for a year now and hit the 4 investor loan limit. I found two great places back in November and asked my realtor if he could recommend any hard money lenders to me. I've been working with this realtor for over two years and trusted his recommendation of a hard money broker who he said came highly recommended from two different realtors in his office.I met the guy, seemed really sharp and very professional. He was also my parent's age (mid-50's) so I guess that also instilled some sense of trust/respect. Not a slick, fast talker or anything about him made him suspicious.So, at first he required a $1k retainer for the work he was going to do. My first time working with hard money, so it didn't seem to outlandish to be paid upfront for the work. After about 2 weeks he had found a lender to fund the loan (~$100k) at 9% with no money down. Another week passes and he says the lender has the flu and has been very unresponsive. Here is where the story begins to unravel and my B.S. meter finally goes off. The hard money broker tells me he has a good friend who does commercial hard money loans but his minimum is $5M - however, for his friend he would help him out and do my $100k loan. He sent me all the paperwork for the loan which also included the need for $2k wired to cover legal costs, appraisals, etc. I began to look into this company that required wire transfers rather than an escrow account that I'm used to using. Quickly I was able to find multiple complaints of the particular lending company collecting fees and then declining to fund the loan after appraisals came back lower than the agreed upon LTV they would fund at. I also discovered the owner of the lending company and the broker had been charged in a real estate fraud scheme in the late 90's. Both left the city they were charged in and changed their names. Moreover, when searching for the broker's license I discovered it was revoked for him having a felony on his record. After increasing pressure to wire the $2k immediately so we could close, I finally confronted him on all of the information I had collected and explained how this scam works. Immediately his demeanor changed and he began backtracking, tripping over his words, and trying to come up with explanations. He did admit to everything I brought up and said he didn't want any trouble, he was a family man with kids, and he would wire my $1k retainer back to me within 30 days. I should have demanded it next day but at the time I was relieved to get my money back at all. The next morning he sends me an e-mail with a release form saying "As discussed I will return the $1k to you within the thirty days as we agreed to yesterday." The release says: The undersigned expressly acknowledges and agrees that this release is intended to extinguish all claims of every type, including those known and unknown and those suspected and unsuspected, without regard to whether they are now known or suspected. This is a full and final release, and the undersigned expressly waives any rights against <Brokerage Name>.I told him no way I was signing this unless it explicity stated I would receive my $1k and he sent me a wire transfer confirmation. And... that was the last I've heard from him. He's not answering calls or emails at all. I'm curious if I have any sort of case or recourse on this guy - if nothing else I've learned an expensive lesson and hopefully this post will help others avoid this. It seems to be on the rise as lending standards are tight and I'd hate for this to happen to someone that couldn't afford to absorb a $1k loss. Let me know if there are any questions and I'll try my best to answer asap. Thank you all.
Edit: Also wanted to include the retainer agreement language: <Brokerage Name> agrees to exercise its best efforts to find a loan for the client under such terms and conditions as they may request. Each part agrees that <Brkg Name> will be paid a retainer fee of $1,000. This payment must be paid at start of the project. The project is for purchase of two houses located at <Addresses>. <Brkg Name> will be paid two points (2%) of any loan granted on this funded project upon close.
thanks to Holly and Collin at H2S who has graciously volunteered to do the Publix match-ups!
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Buy One Get one FREE Deals
* IMPORTANT NOTE: since Publix rings up bogo deals 1/2 off each item instead of one item being free. I have updated the post to reflect this.* ANOTHER UPDATE: Please keep in mind that if you live in Florida, you do have to buy 2 items in a BOGO sale.Marzetti Chocolate Fruit Dip, 15 oz. buy 1 get 1 FREE
Final cost ?
* Any one know how much these go for at Publix?Kraft Dressing, 24 oz. $4.99
Use the $1/2 Kraft Salad Dressings, 16 oz+ Target store coupon found here
Final cost $3.99 total $2 each!
* Theres also a $0.75/2 Kraft Dressing coupon found in the 1/22 SS (Exp. 2/19!)Minute Maid Coolers, Just 10 Calories Fruit Punch or Fruit Falls Water, 10 ct, (excluding 100% Juice) $2.99
Final Cost $1.50 each!Crystal Light Drink Mix 10 to 12 qt. $3.49
Use the $1/2 coupon found here
Final Cost $2.49 for both just $1.25 each!Pepperidge Farm Milano Cookies, or Milano Melts, 5 to 7.5 oz $3.69
Final Cost $1.85 eachNabisco Chips Ahoy! Cookies, 9.5 to 14 oz, $2.99
Final Cost $1.50 each!Emerald Almonds 11 oz, $5.99
Use the $1.50/2 coupon found in the 1/29 RP
Final cost $4.49 for both $2.25 each!Keebler 100 Calorie Right Bites Snacks, or Cheez-it, 4.24 to 4.65 oz, $3.19
Use the $1/2 Keebler coupon found in the 1/1 RP
Final cost $2.19 for both $1.10 each!
* Keep your eyes peeled for TRY ME FREE offers on specially marked boxes of Keebler Fudge Covered Pretzels!Hostess Sweet SixteenMini Donuts, 11.25 to 12.2 oz, $2.99
Final Cost $2.99 total $1.50 each!Orville Redenbachers Gourmet Popcorn, 4.65 to 11.57 oz, $2.99
Use the $1/2 coupon found in the 1/22 SS
Final cost $1.99 total $1 per box!
Snickers Fun Size Snacks, or 3 Musketeers, Milky Way, or Twix Cookie Bars, or Snickers Peanut Butter Squares, 21.5 to 22.55 oz, $6.59
Final cost $3.30 each
* Great attachment to Valentines Day cards!Duncan Hines Moist Deluxe Cake Mix, 16.5 to 18.25 oz, (excluding Decadent and Angel Food), $1.83
Buy one for $0.92
Use the $0.35/1 coupon found in the 2/5 SS (will double & deduct $0.70)
Final cost only $0.22!Kerns Nectar 46 oz, $2.59
Final cost $1.30 each!Krusteaz Supreme Muffin Mix, or Bars or Cake & Muffin Mix 17.1 to 21 oz, $2.79
Use the $1/2 coupon found here (Register to access coupon)
Final cost $1.79 for both just $0.90 each!Kelloggs Crunchy Nut or Krave Cereal, 10.8 to 14.1 oz, Buy 1 get 1 FREE
Use the $1/2 coupon here
Final cost ?Post Cereal: Pebbles, Churros, Alpha Bits, Honey Comb, or Golden Crisp, 9.5 14.75 oz, $3.25
Buy 1 for $1.63
Use the $0.55/1 Post Pebbles Cereal coupon found in the 1/15 SS
Final cost $1.08!Barilla Pasta Sauce, 24 oz, $2.79
Use 2 $1/1 coupons found in the 1/8 SS
Final cost $0.79 for both just $0.40 per jar!Hormel Premium Chicken Breast, 12.5 oz, $3.39
Use the $0.55/2 Hormel Chunk Chicken found here
Final cost $2.84 just $1.42!Pasta or Rice a Roni, 3.8 to 7.2 oz, $1.37
Use the $0.50/2 Pasta or Rice a Roni coupon found in the 1/29 RP (will double to $1)
Final cost only $0.37 for 2 just 1/29/2012 RP Insert ($1.00 after being doubled)
Final Cost $0.37 for both just $0.19 per box!Arnold Bread 24 oz, (excluding Dutch Country), $4.29
Final cost $2.15 per loaf!Yoplait Fiber One Yogurt, 4 pk, $2.69
Final cost $1.35 each!Shedds Spread Country Crock, 15 oz, $2.39
Final Cost $1.20 each!Reddi Wip Wipped Light Cream, 13 oz, $4.29
Final cost $2.15 each!Simply Potatoes, 20 oz, $2.59
Final cost $1.30 each!Breyers Ice Cream or Blasts! Frozen Dairy Dessert, 48 oz, $5.99
Final cost $3 each!Morningstar Farms Items, 5.25 to 14.5 oz, $3.95
Buy one for just $1.98
Use the $1/1 Morningstar Farms Veggie Foods Product peelie coupon (if you can find these on the items)
Final cost only $0.98!
* Also, be on the lookout for $0.75/1 tear pad coupons.Red Baron Pizza, $6.29
Use the $1/2 Red Baron, Tonys or Freschetta Pizza, 11 0z+ coupon found in the 1/22 (Exp. 2/12!)
Final cost only $5.29 for both $2.65 per pizza!Kelloggs Eggo Pancakes, Toaster Sticks, Mini Muffin Tops, or Cinnabon Pancakes, 12.7 to 16.4 oz, $2.99
Final Cost only $1.50 each!Gardein Garden Protein Meat-Free Entrees, 9 to 12 oz, $3.99
Buy 1 for $2
Use the $1/1 coupon found here (sign up lower right corner)
Final cost only $1!Cool Whip Whipped Topping, 8 oz, $1.67
Final cost only $0.84 each!Barber Foods Stuffed Chicken Breast, 10 oz, $4.99
Final cost only $2.50 each!Lysol Disinfectant Trigger Spray All Purpose Cleaner, 32 oz, or Kitchen Cleaner, 22 oz, $2.69
Use the $1/2 Lysol Bathroom, All Purpose or Kitchen Cleaners coupon found in the 2/5 SS
Final cost $1.70 for both just $0.85 each!Weiman Cleaner: Stainless Steel, Cook Top, Carpet, or Granite Cleaner & Polish, Trigger Spray, 12 to 22 oz, $3.99
Buy 1 for $2
Use the $0.65/1 Weiman Product found here
Final Cost only $1.35!Harry & David Premium Candle, 16 oz jar, $12.99
Final cost only $6.50 each!Wet Ones Moist Towelettes, 40ct, $2.69
Final cost only $1.35 each!Arrid Total Anti-Perspirant, 2.5 to 4 oz, $2.99
Final cost only $1.50 each!Arm & Hammer Deodorant, 1.9 oz, $2.99
Use the $1/2 Arm & Hammer Antiperspirant or Deodorant Products peelie coupon (if you can find one)
Final cost as low as $1.99 for both $1 each! Whiskas Temptations Treats, 2.47 to 4 oz, Buy 1 at $1.79 get 1 FREE **HOT** DEAL
Use 2 $1/1 Temptations Treats for Cats coupons found in the 1/8 RP
Plus, use the $1.50/2 Whiskas Temptations Cat Treats Publix coupons found here (oops! You actually have to purchase a Multi-pack to use this coupon. Darn!)
Final cost 2 bags for FREE + $0.21 in coupon overage! WooHoo!
** Perfect items to donate to your local animal shelter!Purina Beggin Strips Dog Snacks, or Thick Cut, 25 oz, $10.99
Use the $2/2 Purina Beggin coupon found in the 1/8 SS
Final cost $8.99 for both just $4.50 each!Pedigree Dog or Puppy Food 3.5 to 4.4 lb bag, $4.99
Buy 1 for only $2.50
Use the $1/1 Pedigree Dog Food, 3.5 lb+ coupon found in the 1/1 RP (Exp. 2/11!)
Final cost only $1.50!Health & Beauty + Pharmacy ProductsMaybelline Eye Products (including some beauty tools) on sale for 25% off
Use the $1/1 Maybelline New York Mascara coupon found in the 2/5 RP 02/05/2012 RP Insert (exp 04/05/2012)
Use the $1/1 Maybelline New York Eyeshadow or Eye Liner coupon found in the 2/5 RP 02/05/2012 RP Insert (exp 04/05/2012)
Use the $1/1 Maybelline New York Mascara coupon found in the 1/8 RP
Final cost ?Crest 3D Whitestrips, 4 to 28 ct, $5 off
Use the $10/1 Crest 3D White 2 Hour Express, Professional or Intensive Professional Effects Whitestripes coupon found in the 1/29 RP
Final cost ?Olay Regenerist or Total Effects, or Definity, Skin Care, $2.50 off
Use the get one FREE Olay Bar Soap Pack, 4 ct with the purchase of Professional Pro-X Regenerist or Total Effects Facial Moisturizer, OR Smooth Finish Facial Hair Removal Duo coupon found in the 1/29 PG
Final cost ?Dove Bar Soap, 6 ct, or Dove Body Wash, 13.5 to 24 oz, 25% off
Use the $1/1 Dove Beauty Bar, 6-Bar Pack + coupon found in the 1/29 RP
Or use the 1/1 Dove Body Wash, 12 Oz. + coupon found in the 1/29 RP
Fina cost ?Clairol Nice n Easy, Root Touch Up, and Natural Instincts Hair Color, (Excluding Foam, and Perfect 10), $5.99
Use the $2/1 coupon found in the 1/29 PG
Final cost $3.99!Alka Seltzer Plus Cold or Flu Medicine, 20 ct, $3.99
Use the $2/1 Alka-Seltzer coupon found in the 12/4 RP, or 1/1 or 1/29 SS
Final cost $1.99!Prilosec Acid Reduer, 14 ct, $9.99
Use the $2/1 coupon found in the 1/29 PG
Final cost only $7.99!Baby
Pampers Diapers, or Stages Easy Ups, 20 to 42 ct, $8.99
Use the $2/1 Pampers Diapers, 20 ct+,Publix coupon found in the Publix Booklet, Running Out? Run In
Plus, use the $1.50/1 Pampers Diapers or Pants coupon found in the 1/29 PG
Final cost $5.50!Huggies Baby Wipes 184 to 216 ct, $5.99
Use the $1.50/1 Huggies Baby Wipes Refill, 184 ct+ Publix coupon found here
Plus, use $0.50/1 Huggies Baby Wipes, 64 ct coupon found in the 1/15 SS (Exp. 2/11!) doubled to $1
Final cost only $3.50!Household/Pets/Floral
Iams Dog Food 6.1 to 7 lb bag, $9.99
Use the $2/1 Iams, 6.1 lb+, Publix coupon found in the Publix Booklet, Running Out? Run In
Plus, use the $3/1 Iams Dry Dog or Cat Food coupon found in the 1/29 PG
Final cost $4.99!Brawny Premium Paper Towels, 6 ct, $6.49
Use the $1/1 Brawny Paper Towels coupon found here or here
Final cost $5.49!Quilted Northern Bathroom Tissue, 12 ct, $6.49
Use the $1/1 Quilted Northern Double Roll Bath Tissue Target store coupon found here
Final cost $5.49 (if your store accepts Target as a competitor)!Glad Bags, 25 to 80 ct, $5.99
Use the $1/1 Glad Kitchen 13 Gallon Trash Bags, 76 ct+, Target store coupon found here
Final cost $4.99 (if your store accepts Target as a competitor)!Charmin Ultra Soft Bathroom 6ct, $3.99
Use the $0.25/1 coupon found in the 1/29 PG (will double to $0.50)
Final cost $3.49!Bounty Paper Towels 2 Huge Rolls, $4.99
Use the $0.25/1 coupon found in the 1/29 PG (will double to $0.50)
Final cost $4.49!Dawn Dishwashing Liquid, 19 to 24 oz, $2.49
Use the $0.50/1 Dawn Power Clean coupon found in the 1/29 PG (IF included in sale) will double to $1
Final cost only $1.49!Bounce or Downy Fabric Softener Sheets, 105 to 120 ct, or Bounce Dryer Bar 1ct, $4.99
Use the $0.50/1 Tide, Downy, Bounce or Tide Stain Release coupon found in the 1/29 PG (will double to $1)
Final cost $3.99!Resolve Spray n Wash Stain Stick or Stain Remover, 3 to 40 oz, 50% off
Use the $0.50/1 Resolve Laundry In-Wash Stain Remover coupon found here (will double to $1!)
Final cost ? (Should make for a sweet deal!)Febreze Set & Refresh, Noticeables Scented Oil Warmer 1ct, Air Effects 9.7 oz, 2/$5
Buy 1 for $2.50
Use the $1/1 Febreze Set & Refresh coupon found in the 1/29 PG
Final cost $1.50!Grocery
Fresh POM Arils, 16 oz, 2/$5
Use the $1/1 coupon found here (lower left)
Final cost $1.50!Potatoes, 5 lb bag, $2.99Idaho Potatoes, 10 lb bag, $5.89Fresh Attitude Salad, 5 oz, 2/$5
Final cost $2.50 each!Tree-Ripened Peaches or Nectarines, $1.99/lbTasti-Lee Tomatoes, $1.99/lbOrganic Grape Tomatoes, $1.99Asparagus, $2.99/lbSliced or Whole White Mushrooms, 8 oz, 2/$3
Final cost $1.50 each!
Grown Veggies: Green Beans, Yellow or Zucchini Squash, $1.49/lbStrawberries, 2/$5
Final cost $2.50 each!
Royal Gala Apples, $1.49/lbBlueberries, 1 pt, $2.99Assorted Canada Dry, 7UP, A&W, or Diet Rite 12 packs, on sale buy 3 get 1 FREE
Fina cost 4 for $12 $3 each!Floridas Natural Orange Juice or Ruby Red Grapefruit, 59 oz, 2/$6
Use the $0.55/1 Floridas Natural Ruby Red Grapefruit Juice located HERE
Fina cost $2.45!Glaceau Vitaminwater, or Vitaminwater Zero, 20 oz, 10/$10Starbucks Coffee, 11 to 12 oz, $6.99
Use the $1/1 coupon found in the 1/15 SS
Final cost $5.99!
* Be on the lookout for a FREE Starbucks VIA with the purchase of Starbucks 10 to 12 oz peelie coupons.Hersheys Kisses or Miniatures, Nuggets, or Hugs & Kisses, or
Reeses Miniatures or York Peppermint Patties, 17 to 19.5 oz, $3.99
Use the $1.50/2 Hersheys Family Bags of Miniatures Assortment, Kisses, Reeses Peanut Butter Cups Miniatures or York Peppermint Patties, 18 oz+ coupon found in the 1/22 SS
Final cost only $3.24 per bag!Betty Crocker Cookie Mix, 17.5 to 17.9 oz, $1.79
Use the $0.40/1 Betty Crocker Cookie Mix Pouch, 17.5 oz+ coupon found in the 2/5 General Mills insert (will double to $0.80)
Final cost only $0.99!Publix Condensed Sweetened Milk, 14 oz, $1.99General Mills Cheerios: Multigrain, Peanut Butter Multigrain, or Dulce de Leche, 11.3 to 14 oz, 2/$5
Use the $1/1 Cheerios(Multigrain or Peanut Butter) coupon found here
Final cost $1.50 per box!Del Monte Fruit, or Fruit & Gel, 4pk, 2/$4
Use the $1/2 Del Monte Fruit Cup Snacks coupon found in the 1/8 RP
Final cost $3 total $1.50 each!Jell-O Pudding or Gelatin Snacks, or Temptations, 6 pk, 3/$6
Buy 1 for $2
Use the $0.60/1 JELL-O Refrigerated Snacks coupon found in the 1/8 SS
Final cost $1.40!Blue Diamond Almond Breeze Almond Milk, 64 oz, 2/$5
Use the $1/2 Almond Breeze, Chilled or Aseptic found here
Final cost $4 for 2 just $2 each!Nestle Toll House Cookie or Brownie Dough, 16 to 16.5 oz, 2/$5
Buy 2 for just $5.00
Use the $1.25/2 Nestle Toll House Refrigerated Cookie Dough found here
Final cost $3.75 total -
Final cost $3.75 for both just $1.88 each!YoPlait Yogurt, 4 to 6 oz, 10/$6
Buy 12 for only $7.20
Use 2 $0.40/6 Yoplait Yogurt Cups coupons found in the 2/5 General Mills insert (Coupons double to $0.80 each)
Plus, use the $1/10 Yoplait Yogurt Cups, 4 6 oz, Running out? Run in. Publix Coupon
Final Cost $4.60 total $0.38 each!Pillsbury Crescent Rolls, Flaky Golden Layers Biscuits Butter Tastin, or Cinnamon Rolls with Icing, 4 to 12 oz, 10/$10
Use the $0.30/1 Pillsbury Sweet Rolls or Grands! Sweet Rolls coupon found in the 2/5 General Mills insert (doubles to $0.60)
Final cost only $0.40!Oscar Mayer Basic Lunchables, or Snack Duo, 3.66 to 4.5 oz, 10/$10
Great sale price for Lunchables!
Sara Lee Cheesecake or Pound Cake, 9.6 to 30 oz, 50% off
Final cost ?Healthy Choice Frozen Entrees, or Marie Callenders, 4/$10
Use the $1/2 Healthy Choice Naturals Entrees or Cafe Steamers coupons found here
(There is also a $1/3 Marie Callenders coupon found here)
Final cost as low as $2 each!
HAPPY SHOPPING!
Sears has the 118 pc Dual Marked Mechanics Tool Set for $62.99 with free in store pickup.
It's a great set. Mostly dual marked sockets. Not a lot of extra junk.Click HereAlso, use the code sears5off50 to get an extra $5 off. Was $63.32 out the door for me!
Excellent deal for a great set of tools....netbozoSears.com Coupons
Poetic(TM) Slimbook Leather Case for Amazon Kindle Fire Tablet With 3-in-1 Built-in Stand $7.95 FSwas $19.95http://www.amazon.com/Poetic-Slimbook-Leather-Amazon-Kindle/dp/B...Amazon Coupons
Sterling silver necklace with white, peach and green freshwater pearls and glass bead accents $15.15 FS with primewas $54.99http://www.amazon.com/Sterling-silver-necklace-freshwater-accent...eligible for FREE Super Saver Shipping16 inch single strand freshwater pearl necklace features Sterling silver links and a lobster claw clasp adorned with large, white tear-drop shaped and white, green and peach colored round shaped freshwater pearls with small round yellow glass beadsAmazon Coupons
Click for SelectionLow Lint Bath Towel Was $11.99 Now $5.99Low Lint Washcloth Was $7.99 Now $3.99Low Lint Bath Sheet Was $29.99 Now $14.99Low Lint Fingertip Towel Was $3.99 Now $7.99Sears.com Coupons
TextUse coupon code: USP1F26457I'm hoping to find a 17" for this price! No luck for months... Hopefully someone can use this one.Lenovo Coupons
In 2004 I purchased a savings bond for a friends baby when he was born.
I had a POD (Payable On Death) added for the baby's dad.I had misplaced the savings bond and this week I found it.
The problem is I haven't a clue where the now child or dad live or have contact with them.The bond has my SS# as well as my name and address on it because it was mailed to me but the
baby's name above mine and the POD under my name/address.Can I have this bond re-titled in mine or my sons name and the other party removed? TIA
This bracelet is made of solid .925 sterling silver. It measures 7.5 inches in length, and features an array of magnificent key charms consisting of an x, heart, moon, cross, box, engagement ring, star, lock, and key. Each stunning charm is covered with fabulous CZ pave. While not an identical Designer reproduction, this bracelet is strikingly similar to the real thing. Perfect for the jewelry lover in all of us. Own a piece from every collection in one bracelet.LINK
Free Shipping w/$99+ OrderTextMacy's Coupons
First come first serve!
I'm not using them and don't want to waste them.
Enjoy$25 Certificate
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http://www.amazon.com/The-21st-Century-Constitution-ebook/dp/B00...It was over 200 years ago when the Framers of our Constitution met in Philadelphia in the summer of 1787, and replaced the defective Articles of Confederation with a Constitution appropriate for the 18th and 19th centuries. But the onset of the 21st century has revealed latent structural defects in the framework of the 1787 Constitution, a Constitution which "ordained and established" a government that, due to the developments of modern society on anticipated by the framers, is no longer able to "promote the general welfare." The $13 trillion national debt, a debt which no branch of government is able to control, is only the most visible example of this institutional crisis -- a crisis which can only worsen over time.The 21st Century Constitution asks two critical questions: is the Constitution, drafted in 1787, a political document appropriate for the 21st century? And, if not, how does the Constitution need to be amended? The net result is the first book to analyze 1787 Constitution clause-by-clause, and to propose over 200 changes to that document appropriate for an Information Age, including previously discussed amendments such as term limitation and public financing amendments, as well as 21st-century amendments not previously considered, such as Citizen-approved National Objectives, a National Database consisting of freely searchable public materials such as government statistics and books, a Federal Academy, a Right to an Education, a National Poll, and many, many other provisions. The new Constitution builds on the central premises recognized by the Framers, and is one that they very well might have crafted had they met in the Philadelphia of 2001, and not 1787.With a form of government that works for America, and not against it, United States can obliterate entrenched waste, reclaim opportunities lost, and forge ahead to achieve the greatness that was always possible, but until now, never achieved.
See below Bloomberg coverage. Although passage in current political environment would seem unlikely, bad ideas tend to hang around waiting their turn at the front ...Sen. Baucus Eyes Inherited IRAs for $4.6B
By Richard Rubin - 2/6/2012
copyright BloombergSenate Finance Committee Chairman Max Baucus is proposing tougher requirements on inherited individual retirement accounts that would require younger beneficiaries to pay taxes over five years instead of spreading them over their lifetimes. The changes, to be considered by his committee today, would raise $4.6 billion for the Treasury over the next decade, according to a statement from the senators office. Baucus, a Montana Democrat, wants to use the money to help pay for a highway bill the panel is debating in Washington, according to the statement. Baucuss proposal would curtail a tax-planning technique that allows the buildup of tax-free gains inside inherited retirement accounts. Currently, holders of inherited IRAs can take their required taxable distributions over their anticipated lifespan. It would really change the whole playing field for retirement planning, said Ed Slott, an IRA adviser in Rockville Centre, New York. That would make things simpler, but it would really put a crimp in the whole legacy planning people do for IRAs. The proposal includes exceptions for the account owners spouse, beneficiaries within 10 years in age of the account owner, and disabled and chronically ill people, according to a summary by the nonpartisan Joint Committee on Taxation. Children would also be exempt from the new five-year rule until they reached adulthood. Taxable Distributions Owners of regular IRAs must begin taking taxable distributions at age 70 1/2, and they must be taken according to a life-expectancy calculation. Baucus proposal would take effect for people who die starting in 2013. Depending on how the bill is written, beneficiaries in some cases might be able to use rollovers into their own IRAs to avoid the required distributions, said Mary Ann Mancini, who leads the private client group at Bryan Cave LLP in Washington. Mancini said many of her clients dont use IRAs as an estate-planning tool because beneficiaries often want to spend their inheritances. If you can keep it in the IRA with tax-free growth, the longer you can keep it in the IRA, people can come out with millions, she said. The problem is people dont keep it in the IRA. Young people want the money. A Nonstarter Baucuss proposal would return IRAs to their intended purpose as a retirement savings tool and not an estate-planning tool known as a stretch IRA, Slott said. The change, if enacted, would cause people to spend the money in their IRAs rather than leave it as an inheritance for their children, he said. It sounds good, but I think its a nonstarter, Slott said. Theres too much invested in the whole stretch IRA concept. John Olivieri, a partner in the private clients group at White & Case LLP in New York, said the change could increase the taxable income of heirs each year for five years and may push them into a higher income tax bracket, he said. Another potential benefit to the federal government is that because distributions would be taken out faster, there would be less time for the money to accumulate in the IRA tax-free, Olivieri said. Once the money is out of the account it can no longer grow tax-free, he said. Thats where the government may be planning to get the most benefit from this.
Staples has 25 oz. Palmolive Ultra bottles for $0.99 with free shipping. Says limit 3 online, but site is allowing for more than 3 to be added to cart. Today only. Don't forget FW CashBack.Staples Coupons
I work for a company that was just acquired. Our existing FSA account year is scheduled to be closed in about a month due to the acquisition. Today I heard another employee ask an HR representative what the plan was for repaying FSA funds reimbursed that exceeded the amount payed in. His hypothetical example was that he set aside $1000.00 in flex for the year and would have only paid in ~300.00 by the time the accounts will be closed, but has already been reimbursed the full $1000.00. The response was that repayment was not required. Can this possibly be correct? Does the FSA administrator eat this loss? If repayment is not required I have a lot of flex to spend and will probably being paying for some elective dental, new glasses, etc in the coming month.
My girlfriend was finally able to give the shape ups a try, which by the way I think are an eyesore. Regardless, she purchased it for $15.99 from whatapair.com. Here's the link for you ladies: Skechers shape ups for $15.99 Not sure about the shipping costs or until when this price will be advertised. She says they're comfortable, but doesn't think it's worthy of all the hype.
linkWanted to pass this on--pretty fast printing for the money, I know it was at Crutchfield over a month ago for $10.00 cheaper, but I procrastinated. Technically, with this purchase from Amazon I got free shipping and no tax so comes out about the same Got mine quick and it works great! Its also wireless! Technical Details
Function: Print, Copy, Scan and Fax
Print Speed: up to 32 pages per minute in black and 30 pages per minute in color
Print Resolution: 9600 optimized DPI for high-resolution color photo printing / 1200 1200 DPI for highest monochrome text resolution
Synnex Corporation
Paper Capacity: two paper trays - includes auto-engaging photo paper tray which holds 40 sheets of photo paper and a general purpose document tray which holds a maximum of 100 sheetsAmazon Coupons
If you got a contractor position where you left a FT job for but you realize it may not be the best fit, can the employer cut your contractor position off without going the full length? and without any repercussions? I've never worked with people who are this disrespectful who treat me like dirt/an outsider. They never took me "in". It was supposed to become a permanent role too. The contract was slated for 1 year.
Text Calvin Klein ETERNITY for Women Eau de Parfum Price: $55.00 - $72.00   Calvin Klein ETERNITY for Men Eau de Toilette Price: $52.00 - $67.00   Calvin Klein ETERNITY AQUA Men's Fragrance Collection Price: $16.00 - $85.00   Calvin Klein Gift with PurchaseReceive a free 4-piece gift from Calvin Klein with a Calvin Klein men's ETERNITY 3.4-oz. spray purchase.
Available while supplies last. Limit one per customer. No separately stated value. Your 4-piece gift includes:
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Euro Ninja BlenderEuro Pro Ninja Blender With 40oz. Bowl, 72oz. Pitcher, Dough Paddle & Stainless Steel Blades!
Experience Ninja's unmatched versatility. Discover how smart-speed technology and a 5-star rated multiple blade system make it easy to juice, blend, chop, and mix just about everything - from frozen drinks and soups to ice cream and pizza dough - by adjusting the setting to the consistency of the ingredients! Get the best result every time!Make pizza, biscuits, bread, and desserts at the touch of a button! Use the extra large pitcher for tall orders - whether you have a large family, are a health enthusiast, or like to entertain, you can make all the drinks you need and more! It's more than a food processor. It's more than a blender. It's the Ninja Kitchen System.*Features Include:** Pulse, Dough, Blend, and Crush options
Kneads dough for bread, pizza and more
40oz. processing bowl with 4-blade assembly and lid
72oz. pitcher with 6-blade assembly and lid
Dough blade attachment, whipping attachment and dough paddle
1100 watts
Stainless steel blades
Bowl and pitcher made with BPA-free plastic
2-foot long cord
Dishwasher safe pitcher and bowl; top-rack for blades, attachments and lids
May contain minor cosmetic blemishesPackage Includes: Ninja Kitchen System
72oz Pitcher with Lid
6 Blade Assembly
40oz Bowl with Lid
4-Blade Assembly
Dough Blade
Dough Paddle
Whipping Attachment
Grated Fill Spout with Cap
Suction Feet
Power Cord
Owner's Guide
Specifications
Warranty 30 Day
Condition Factory Refurbished
Packaging Retail
Manufacturer Euro Pro
Model Number BL700
The Westinghouse 32'' 720p was advertised in the Target ad this week, but they have the same TV with much better specs in stores for the same price. The one in store is 1080p (instead of 720p), 100,000:1 "dynamic" contrast ratio (instead of 2000:1- this is probably static). Don't ask me for the conversion! 100,000:1 dynamic is much better looking than 2000:1 static though . They came with 3 HDMI ports instead of two. The online model number is VR-3235, but I got one of each model numbers VR-3235 and VR-3236. It's the same TV, with a few differences. The input panel is on the back bottom of the 3235 model and on the back right of the 3236. I'd shoot for a 3235 if I had a choice because there's an extra set of component inputs on that one... This is YMMV only because of low stock. Here are the links for the two.Westinghouse 32'' 1080pWestinghouse 32'' 720pBest Buy has the same 720p version @ the same price w/ possible store pickup.
get a $25 BB gc wyb Keurig Elite Brewer or Kitchenaid stand mixer page 8 of this week's adLos Angeles edition$119.99
Includes $25 Gift Card
Orig. Price $119.99 Keurig - Elite Brewer - Black
Model: (B40) | Sku: 1241514
Text48-oz. water reservoir and 2 convenient brew-size options for customized beverages. 
K-Cups sold separately. 
Enjoy delicious hot beverages with this single-serve home brewing system. The 48-oz. reservoir keeps plenty of water on hand, and 8- and 10-oz. selectable brew sizes allow you to customize your drink.
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Owner's manual

From our expanded online assortment; not available in all Best Buy stores
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Orig. Price $249.99 KitchenAid - Ultra Power Tilt-Head Stand Mixer - Empire Red
Model: (KSM95ER) | Sku: 8815703
This stand mixer features a 4-1/2-quart stainless-steel mixing bowl and flat beater, dough hook and wire whip attachments that are ideal for dough, mixes and batters.
From our expanded online assortment; not available in all Best Buy stores
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4-1/2-quart stainless-steel mixing bowl
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linkedBoscovs.com
For the Home | Kitchen | Small Appliances | Juicers & More | Euro Pro Ninja Warrior - #NJ200
Item:#31794The Ninja Warrior is a handheld kitchen tool that not only blends, but also chops and even crushes ice! Comes with a storage lid, a splash guard, a 40 ounce processor bowl, and a 32 ounce beaker as well as the freedom to blend or crush ice in any container you choose! Lightweight, maneuverable, versatile, and amazingly fast. Easy to clean - dishwasher safe. Compact - Can be easily tucked into a cabinet or drawer without taking up lots of valuable storage space.
Euro-Pro Ninja Master Prep
Item:#88265Rule the kitchen with the Ninja Master Prep! Designed to combat even the toughest culinary challenges, this revolutionary food and drink maker combines the best features of a traditional blender, a food processor, and a stick blender all in one device. Designed with a 400-watt motor, the Ninja Master Prep puts the power in your hands with an ergonomic power pod. This interchangeable pod lets you move quickly from the blending pitcher to the food processing bowl for fast and easy prep work.
Feel like a fiesta? Just fill the processing bowl with ingredients for salsa and the pitcher with ice and margarita mix. Then move down the line with the power pod and you've got an instant party! Forget mushy, soggy, half-chopped fruits and veggies. Ninja blade technology--with four individual blades for even, efficient results--offers unique processing power for uniform cutting, blending, and ice crushing whatever you're preparing. One-touch pulsing lets you mince, dice, chop, or puree with ease--just pulse your way to perfectly prepped ingredients. This is a Special Order item shipped directly from the manufacturer and may take up to 7 business days for delivery. This product is available online only. Item:#88265 
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TextBoscovs Coupons
Just be sure that you use the promo code ATX50 at checkout and keep in mind the deal is only for Carryout orders. Note that this code was available to use in my locations, however, it may not work for all areas. www.papajohns.com
Is anyone else here using Citi's new mobile check deposit from your smartphone? It's not clear to me that it is officially rolled out yet, but I've been able to get it to work by selecting "Make a Deposit" from the Account Details page. I initially got in by selecting that same option when I found it on the Services page, but when I tried it earlier it told me that the service was not available to me (although I just tried it now and it's letting me in again so obviously something is flaky).They've been saying that the feature is in limited test in the "what's new" section when you download the app update. But then someone posted in the generic mobile check deposit thread here that they had been able to get in, so I tried it. I got some bogus error message about a limit being exceeded (after taking the photos of the check and trying to do the upload). I called "customer service" and after speaking to the mobile deposit team they told me it was not officially released yet and that was why I got the error message. I then tweeted to their Twitter account and got a phone call fromo a guy who claimed he would look into it. When I tried it the next time it worked for me, but it's not clear that it was because he did anything to enable my access or just because it's buggy. That's why I am curious to know if others are able to access it.The worst part of their implementation is that you need to enter your ATM card # and some piece of identification like PIN or last 4 digits of SS# almost every time you go into the feature. On their website they typically make you do this before enabling some feature but I've never seen them ask for the info every time.
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I cannot post this in the Rewards Checking sticky thread since that requires that the offers be available nationally.
However, for those who qualify by living in Eastern Iowa or having links to the University of Iowa or its alumni, this is a great offer and the best I've seen since 2008. Offer is $50 to new account customer and to the referrer.Membership open to anyone living or working in Eastern Iowa and to direct relatives of current members and University of Iowa Alumni.Solid credentials: ranked in the top 1% of credit unions nationwide for Return to the Member for the last 5 years; has over 90,000 members, 10 offices in Eastern Iowa.The Rewards Checking Account is particularly juicy by present standards: now 3.25% APYPromo details hereNote the fine print: Referred member must open a new checking account with direct deposit of their payroll or social security. $50 check will be sent to both parties 30 to 60 days after the new account is opened and it is determined that the automatic deposit is occurring and the account is active and in good standing. Offer is void if referred person already has an existing UICCU checking account, one was open within the last 6 months, or they live in the same household as referring member. Limited time offer expires 6/30/12. Bonus cannot be combined with other UICCU promotional offers.I've been extremely happy with them for several years and recommend them. Though I do not have payroll or SS direct deposit (mentioned in the fine print), I do have a three-figure monthly direct deposit set up and there has been no adverse action so far.
My daughter has been rebuilding her credit and has done an amazing job. She called her CU yesterday to see if she could now qualify for a lower interest rate on her car loan. She took out the loan in Aug 09 at a rate of 8.25%. The high interest rate was due to credit problems. She did get a lower rate of 5.5% now. She keeps track of her credit scores and of yesterday when she called she pulled 742/715/742 from her USAA credit monitoring service. The CU pulled her Experian and got 689 (742 on her pull). What would be the reason for the discrepancy?
In the communitiy college I go to, I had to pay the sping 2011 tution in Dec. 2010, yet they send me a 1098-T form for 2011 including the tution I paid in Dec. 2010.For the spring semester of 2011, my son's tution was due on Jan 7, 2011. I paid it on Jan 6, 2011. When I inquired as the why I did not receive a 1098-T form for 2011, the school said since it was billed in Dec 2010, it was in the 2010 1098-T form. Does this mean that I cannot apply the 529 money that I withdrew to cover my son's 2011 tution?
I will explain my situation and hopefully I will get some great tips on what I should do.24 yrs old
Household Income- $57kCurrent Credit:
1 Credit Union Card- $500 limit, have had for 14 months, rarely carry over a balance, have yet to be charged interest if I do.
1 Car- $15,700 start, $13,200 balance (opened 14 months ago)
1 Mortgage- $108,500 start- $105,500 balance (opened 1.5 yrs ago)On the above accounts I have never been late, and always overpay every month, and no co-signers (not sure if that matters)Past Credit:
Closed- Bank of America Opened Jan 2006 $500 limit (went over limit, and was late 60 days in 2007, young and didn't know better, "closed by consumers request" not my choice) $0 balance. Paid off in June 2009
Closed- Capital One Opened March 2006 $500 Limit (went over limit, and was late 120 days in 2008, again young and didn't know better, "closed by consumers request" not my choice) $0 balance. Paid off in Feb 2008
Paid and Closed- CNAC- Car Loan, $10,700, Paid off in 3 years, never a late payment.27 inquiries (yikes! I know)
10: Jan/ 8: Feb 2010 (Tried to purchase a car, didn't.)
3: May 2010- Purchasing a house
1: Sept 2010- Opening Credit Card at CU
5: in Nov 2010- Purchasing current carI haven't checked my actual score since I signed my mortgage, which was in the 630's. My "CreditKarma" score is 680's (which was 632 when I got my actual score)
My ultimate goal is to have a good credit structure after my bad mistakes in the past (the late credit card payments). I want to be able to take out a good loan if I need to, or want to.
*My next set goal is to purchase a vehicle. As a mom of multiple kids, I need a bigger vehicle then my "small sedan" which is currently super crowded. So I would like to make an SUV purchase and it be my last for a long while. I don't like having to get new loans as often as I have. I would like to do this ASAP. Reviewing my inquiries above, come Summer, I will be down to just 5 inquiries if I had no more (which I don't plan to unless I should to better my credit)Here is where I come to you all. I would like to hear some advice. What changes can I make? I already have a plan to pay double my current car payment every month, continue to overpay my mortgage (unless I should use that overpayment and put even more towards my current car loan) Should I request a higher limit on my credit card now, or wait until I inquire about my new loan (since I want to do both with my CU). I also plan on traveling outside of the country either this winter or next, so points for flights would be helpful, thus I have thought about opening a card with rewards for plane tickets (my CC now has points, but the tickets are 3x the points that lets a "Continental" credit card would be) Is that a good idea? I don't plan on keeping a balance on my cards, but use them to make purchases/pay bills, and pay off before the end of the cycle.Thank you very much in advance. Sorry it's long, just wanted to provide you with details that you may need to better assist me.
My friend, who is 70, and has plenty of money to live out her years (outside of the annuity), was left a VARIABLE annuity with a financial advisor. She hasn't touched it in 20 years (or taken any distributions), and doesn't know much about it. I took a look at the statement: it has a surrender value of 180k, and a guaranteed value (presumably at death) of around 200k. In efforts to find out more about it, she wants to know what to ask her FA. I don't know much about annuities either, but I figured these are important things to know about it (to get an idea of if it's worth keeping or not): What is the cost basis / taxability of it?
How does the death benefit change?
Are there any management fees (other than the embedded mutual fund fees)?
How has the surrender value and guaranteed value grown over time?
Is it "stretchable" at death?
Is there a prospectus or other explanatory document for the annuity?Please let me know if you think there are any other important characteristics / questions worth asking the financial advisor about it that might help in deciding whether to keep it, or surrender it, or roll it into another annuity. (She doesn't have any documentation on the actual annuity other than her account statement)Thanks
Oval Sterling Silver Allah Pendant Micro-set with Cubic Zirconia Stones $27.77 FSwas $45.99http://www.divinejewelry.com/Sterling-Silver-Pendant-Micro-set-Z...Custom designed oval-shaped Sterling silver Allah pendant sparkles! Featuring micro-set cubic zirconia stones. Nickel-free Sterling Silver. Rhodium-plated for tarnish-resistance. Large bale for multiple chain options.
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Text First Aid Only OSHA First Aid Kit, 196 peice, 50 Person 1 ea
suggested: $89.99our price: $31.99
save 64% ($58.00)in stockspecial offersSave up to 50% on First Aid Only first aid kits!Meets Federal OSHA Requirements.
(1910.151, State requirements may vary.)1 ea - Plastic case, 10-3/4" x 11-1/4" x 3"
1 bx - 100 - 3/4" x 3" Adhesive plastic bandages
1 bx - 1 - 36" x 36" x 51" Triangular sling/bandage, w/2 safety pins
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Kindle BookDescription:
Once, there was a remarkable person who led with love. Her company succeeded where its competitors struggled. Its customers were loyal, its employees loved to work there, and it was profitable year after year, for decades. This loving leader began her career as an executive secretary, yet the company's founder chose her to succeed him as president. When asked why, he said, "Because she knows how to love people to success." She is Colleen Barrett, President Emeritus of Southwest Airlines. Lead with LUV is an extraordinary, wide-ranging conversation between Barrett and the legendary Ken Blanchard, author of The One Minute Manager. Drawing on personal experience, Barrett and Blanchard reveal why leading with love is the most powerful way to lead and how it can help you achieve truly amazing levels of performance. Discover:What "love" really means in the organizational context.
Why leading with love is not "soft" management!
How to use redirection and tough love to handle inappropriate behavior or performance.
Why "servant leadership" is love in action, and how to make it work.
How to build the compelling vision and culture that sustains leadership with love.Amazon Coupons
The Amazon MP3 Daily Deal for Tuesday, February 7, 2012 is: Le Voyage Dans La Lune [+Video], by Air, for $3.99. Note: it comes with the restored 1902 movie of the same name, by Georges Mlis, which apparently was the first science fiction movie: http://en.wikipedia.org/wiki/A_Trip_to_the_Moon.
(It can be seen on YouTube, btw: here).Reviews, track-samples and purchase-link here.Track-list: 1. Astronomic Club Air 3:12 2. Seven Stars Air 4:22 3. Retour Sur Terre Air 0:32 4. Parade Air 2:32 5. Moon Fever Air 3:34 6. Sonic Armada Air 5:05 7. Who Am I Now? Air 3:00 8. Dcollage Air 1:37 9. Cosmic Trip Air 4:1010. Homme Lune Air 0:1811. Lava Air 2:53Amazon Coupons
Was at meijer this evening and noticed the GM unloading a flatbed filled with iPads so I asked what was going on and he mentioned that meijer was having a sale on the iPads and that they were $70 off list price. Strangely enough, Meijers is NOT advertising this!! I looked on the meijer web site and couldn't find the iPad listed at all, however I did find the deal mentioned at another deal site by using google, so I guess it's companywide and not localized to Cincinnati, however until I have other people confirm it, this is strictly YMMV. I looked at the mperks (meijer coupon site) and couldn't find any additional savings, so looks like $70 is the best I can do.The best I've seen recently is the $50 discount that MicroCenter and others had on the iPad. So this beats those deals by $20. The only other deals that come close are either refurbs or previous generation iPads.Hope this helps someone!Meijer Coupons
Ed Hardy Love & Luck 4-Piece Set or Ed Hardy Born Wild 4-Piece Set Price: $75.00 Now! $37.50
.

4-Piece set includes:
3.4 oz. EDT Spray
3.0 oz. Hair & Body Wash
2.75 oz. Deodorant
0.25 oz Mini EDT Spray Item:#99222
Text Ed Hardy Born Wild 4-Piece Set Item:#99225
4-Piece set includes:
3.4 oz. EDT Spray
3.0 oz. Hair & Body Wash
2.75 oz. Deodorant
0.25 oz. Mini EDT SprayBoscovs Coupons
Regular Price $199.99
Now $79.99 SHIPPED
Save $120.00
http://www.newegg.com/Product/Product.aspx?Item=N82E16828106505&...Lexmark Series E260d Model34S0100
Recommended Use: Personal
Dimensions: 10.2" x 15.98" x 14.55"
Weight: 29.77 lbs.
Output Type: Monochrome
Laser Technology: Laser
Black Print Speed: Up to 35 ppm
Black Print Quality: 1200 x 1200 dpi
Time To First Page (seconds)6.5 sec.
Print Languages, std.PCL 5e Emulation
PCL 6 Emulation
Personal Printer Data Stream (PPDS)
PostScript 3 Emulation
Duplex printing: Yes
Max. Duty Cycle: Up to 50,000 pages monthlyNewegg Coupons
Newegg SHELL SHOCKERWAS 99.99 - NOW 59.99 - 20.00 Rebate + F/S = $39.99 A/R Shippedhttp://www.newegg.com/Special/ShellShocker.aspx?cm_sp=ShellShocker-_-17-371-031-_-02062012_2BrandAntecModelNEO ECO 620C
SpecTypeATX12V v2.3 / EPS12VMaximum Power620W Continuous Power
Fans120mm Double ball bearing fan
PFCActiveMain Connector20+4Pin+12V RailsSinglePCI-Express Connector1 x 6-Pin, 1 x 6+2-PinSATA Power Connector6Efficiency> 80%Energy-Efficient80 PLUS Certified
Over Voltage Protection: Yes
Input Voltage100 - 240 VInput Frequency Range50/60 Hz
Input Current9A @ 115V, 4.5A @ 230V
Output+3.3V@24A, +5V@24A, +12V@48A, -12V@0.8A, +5VSB@2.5AMTBF>100,000 Hours
ApprovalscUL, TUV, CB, CE, FCC, CCC, C-TICK, BSMI
Dimensions5.9" x 5.9" x 3.4"
Weight4.0 lbs.
Features
Connectors1 x Main connector (20+4Pin)
1 x 4+4-Pin 12V
6 x Peripheral
6 x SATA
1 x Floppy
2 x PCI-EFeaturesPower cord not included
Manufacturer Warranty
Parts: 3 years limited
Labor: 3 years limitedNewegg Coupons
Pretty good price for what it is, which is an I3 powered workstation (or could be made into a server) with 1GB ram and a 250GB 7200rpm HD. It can run a Xeon processor if upgraded and holds up to 16GB ram. Comes with a Linux OS, which may or may not be a turn off. C206 chipset is H67 based but does not allow overclocking. THIS IS NOT A GAMING RIG.This sells for over $500 elsewhere and original MSRP was $822. Datasheet
New link, rickdom found it at a lower price. Was $305, now $275.47 shipped:New Link
Looking for the wide world of Fat wallet oppinion here.have a new job offer coming this week from a company in a different industry than i work currently. The offer should be roughly 25k more base salary than i get now. Also the bonus is 35% instead of 10% so there is significant financial impact going to the new company. In addition they offer stock options allowing for the full bonus amount to be used to purchase stock at 15% below the lower of either january 1 price or the december 30 price and the stock can be sold after 1 day of ownership.I dont have the offer yet but this is roughly what im expecting to see based on the discussions so far.Currently I have a base in the 60s and 6 weeks vacation. Promoted last year and well liked within the company. Im good at my job and i enjoy it, its low stress and i have the best boss ive ever had. I learn a ton from him and am good friends with him outside of work. Long story short im in a consulting arrangement where the contract has to be renewed with the host company roughly every 3 years or my position gets converted to full travel or moved to a client that is as close as possible. The contract was ending december 31 and around october nothing had been resigned, I got nervous and began looking. I didnt look terribly aggresively but looked at a few companies i wanted to work for. In doing so my resume was found by a recruiter. He didnt have anything back then but called me in december to see if i was interestd in a position thats about a 50 minute drive from my house, my current is about 25 minutes. At that point no contract had been resigned so i said yes. On December 20th or so the contract resigned. Then in early january o interviewed with the recruiters company, hit it off in the first interview and they invited me back to the 2nd interview, i beat out 4 other people and have been selected. the official offer will be here this week.The new position is in a new industry but utilizes alot of the skills i currently have. Im having a rough time with this because Money is not in short supply for me currently. In short some of my other endeavors and investments are paying off quite well right now. I see myself continuing in my other investments and in roughly 5 years dropping the 8-5 altogether. The new position may allow me to do that in 3 or 4 years instead. 4 years ago this would have been a no brainer as i was struggling with cash and needed to make more badly. Today i value my 6 weeks vacation highly and realize im not likey to get it at the new company. I also value that i like the people i work with and im good at the job. I have a relatively simple work life. Promotion opportunities are available at the current company but its likely that the pay will be +10-15% with each promotion Making it relatively difficult to get to the base offered. In addition since i was just promoted im likely 2 years away from another. Pay raises at the current company have been 1-3% for the last couple years and its likely to stay the same. Pros
New company pays roughly 55 to 75% more money based on how the bonus shaakes out, past performance has been greater than 100% payout for several years
New company has good stock option program
Gain new skills
no more worrying about resignature every 1-3 yearsCons
Lose guaranteed awesome boss
lose likely at least 3 weeks vacation
Double the drive to work
have to bust my horn for at least first year to prove myself (already proven at current job)
longer hours likely
new industry with unknown challengesSo the question is how do i handle this?Do i negotiate for as much as i can at the new job and just say screw it and go get paid?orApproach current bosses boss and explain the situation, (current boss isnt able to get me more cash, hes getting low balled too.) Explain that i wasnt looking because i was dissatisfied but rather concerned with the stability at the time. I cant ignore the offer now because the cash is so attractive. My boss knows im not a fan of the stress the resignatrure brings and after the new deal was signed he has pushed to get me a new position split on 2 parts of the account so i can constantly be under contract. Looks like this is 6-12 months out and no guarantee at this point anyway. Or do i just continue typing this impossibly long post until my computer battery dies?
Please dont quote this post as im going to delete some of the info in a few days
I like to gamble. May it be going to Vegas, the local casino (owned and run by the government, online Poker or sportsbetting). The question here concerns online sportsbetting. My method of deposit with my sportsbook was MasterCard. The procedure was to deposit money into checking account, then transfer it to MasterCard as a payment and use the MasterCard to deposit money in online sportsbook. That way, the funds are available instantly.The bank that issued the MasterCard called me up for interrogations as if I was a criminal. After winning big last year, naturally I started losing some money back. I had about $60-70K that was deposited into the checking account with that bank in ckunks of $500-3000 over several months, which were immediately transferred to my MasterCard in order for me to be able to deposit into the sportsbook. MasterCard's user agreement even mentions that online gaming transactions are treated as "cash advances" and will incur a fee of $2.50. So not only MC allows these type of transactions, they make money off of it. The bank however says that I can keep my MC but I will have to close my checking account because they does not "like" these type of in-and-out accounts. I told them everything, the entire truth. Everything that I did was 100% legit and legal, yet they still accuse me of possible money laundering, undeclared revenue and all kinds of other non-sense. Online gambling is legal in Canada. What do the banks want? They can't obligate me to use my debit card for "everyday purchases" if I prefer to use cash. I do not trust the banks enough to leave my bankroll in it. They cheat you, change user agreements left and right, tag you with hidden fees, play with words to suck every last penny they can, breach contracts at their discretion and even go around the law. They ask me stupid question like what is the source of the funds and can I prove it? WTF? This is CANADA and the bank is not the police to tell me what I can and cannot do with MY own money. And even though I was able to prove the source of funds, they did not want to hear about it. Their department in concern decided not even to look at my proofs of source of funds a to close my account based on subjective judgement.They had given me 30 days to close my account and I called the mediation department they told me to contact in case I wanted to contest the decision, I told them that I only used my checking account to make payments into my MasterCard and the MC, I use it for everything (hotel reservation, airlines, gas and of course, online gambling). Again, online gambling is not only legal but is mentioned in MasterCard's user agreement as something that they will PRETEND is a cash advance so that they can take $2.50 a pop. That would be a disaster for me if I cannot gamble using my MasterCard anmore. It's the only way that can allow you to get a bank wire withdrawal. Most banks VISA already don't allow online gaming transactions. I will still have my MC but I won't be able to deposit into my checking account from the outside and transfer to my MC for the funds to be available instantly. I will now have to pay off my MC directly and wait 48 for payment to clear. It is a very big deal to get kicked out of a major bank in Canada for not doing any wrong. Do I have any moved left?P.S.: I understand that not everyone will see online gambling the same way. It may not be "noble" for some people. However, it is 100% legal under Canadian laws as well as the MasterCard user agreement.
Newegg SHELL SHOCKERWAS 99.99 - NOW 59.99 - 20.00 Rebate + F/S = $39.99 A/R Shippedhttp://www.newegg.com/Special/ShellShocker.aspx?cm_sp=ShellShocker-_-17-371-031-_-02062012_2BrandAntecModelNEO ECO 620C
SpecTypeATX12V v2.3 / EPS12VMaximum Power620W Continuous Power
Fans120mm Double ball bearing fan
PFCActiveMain Connector20+4Pin+12V RailsSinglePCI-Express Connector1 x 6-Pin, 1 x 6+2-PinSATA Power Connector6Efficiency> 80%Energy-Efficient80 PLUS Certified
Over Voltage Protection: Yes
Input Voltage100 - 240 VInput Frequency Range50/60 Hz
Input Current9A @ 115V, 4.5A @ 230V
Output+3.3V@24A, +5V@24A, +12V@48A, -12V@0.8A, +5VSB@2.5AMTBF>100,000 Hours
ApprovalscUL, TUV, CB, CE, FCC, CCC, C-TICK, BSMI
Dimensions5.9" x 5.9" x 3.4"
Weight4.0 lbs.
Features
Connectors1 x Main connector (20+4Pin)
1 x 4+4-Pin 12V
6 x Peripheral
6 x SATA
1 x Floppy
2 x PCI-EFeaturesPower cord not included
Manufacturer Warranty
Parts: 3 years limited
Labor: 3 years limitedNewegg Coupons
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
King Bowie Knife $35.92 Shippedwas $59.95http://www.gearhog.com/King Bowie
Blade: 11 5/8"
Overall: 17 5/8"
Weight: 26oz
Thick: 5/16"
Sheath: Brown Leather
Steel: SS18/0
Crown Cutlery
Hey guys,ReadyU's facebook page is giving away FREE Old Spice Samples to only US Facebook Users. Limit 1 per household. You must like ReadyU's page and then click on the "FREE STUFF!!!" link on the left sidehttp://www.facebook.com/readyu?sk=app_341870799167967*Sample products Old Spice Deodorant, Old Spice Body Wash, Old Spice Swagger Body Spray (1.7ml each). Offer ends 2/6/2012 11:59PM EST. Offer valid to US residents that are 18 or older where not prohibited by law. Allow 6-8 weeks for delivery. Limit one offer per household.
Just looking for peoples 0.02 worth. My wife and I are expecting our first child soon and I just want to make sure I can provide for them. Here is our situation:We make between 80-100k (one income)
Have no debt other than a mortgage.
Just bought our second house which was on the high side of our budget (399k; put 5% down)
Contribute 9% to a 401k (maxes out employer contribution)
Our budget has us saving ~1k/month
Only have ~5k in liquid savings at the moment
Have ~40k total in various retirement funds.
We are both in our late 20sThanks
Everybody say Awww...Personalized Photo Teddy BearPerfect for kids aged 3 years and up
Personalize Photo Teddy Bear with up to one photo
Plush photo bear has bean-bag paws and measures 8" high when sitting
Cotton sweatshirt is removable
Landscape photo on sweatshirt measures 3 inches x 5 incheswill arrive before V-day w/ expedited shipping (I chose standard,which was free and it said on or before the 14th, expedited ship was 6.97)
Bonus 2 1-hr. Photo Prints Cards in pic, though I didnt see anything in description about thatWalmart Coupons
TextSurLaTable.comSur La Table Reversible Rib Rack
Now: $11.99Was: $20.00
Charcoal Companion Moistly Grilled Cast Iron Grill Humidifier
Now: $14.99Was: $30.00
Sur La Table Stainless-Steel Grill Grids, Set of 3
Now: $26.99Was: $49.95
Sur La Table Stainless Steel Grill Grids
Now: $8.99 - $14.99Was: $15.00 - $25.00
Sur La Table Perforated Stainless Steel Grill Wok
Now: $11.99 - $14.99Was: $20.00 - $25.00
Sur La Table Meatball Grilling Basket
Now: $5.99Was: $20.00
Sur La Table Slider Mini-Burger Tool Set
Now: $14.99Was: $25.00
Sur La Table Triple Burger Press for Sliders
Now: $5.99Was: $10.00
Kuhn Rikon Berry Kulu Knife Set
Now: $9.99Was: $32.00
PizzaQue Stainless Steel Peel
Now: $15.99Was: $26.95
Steven Raichlen Ash and Charcoal Hoe
Now: $14.99Was: $25.00
Steven Raichlen Long Grill Brush
Now: $14.99Was: $25.00
Sur La Table Pakkawood Grill Brush Replacement Head
Now: $1.99Was: $5.00 
Sur La Table Red Jumbo Mug
Now: $5.99Was: $12.95 
White Oval Porcelain Platters, Set of Three
Now: $17.99Was: $29.95 White Rectangular Porcelain Bowls, Set of 3
Now: $23.99Was: $39.95 White Rectangular Porcelain Platters, Set of Three
Now: $11.99Was: $19.95 Porcelain Boat Serving Bowls, Set of 3
Now: $11.99Was: $19.95 Desert Mesa Corn Seasoning
Now: $4.49Was: $7.95
Pretty good price for what it is, which is an I3 powered workstation (or could be made into a server) with 1GB ram and a 250GB 7200rpm HD. It can run a Xeon processor if upgraded and holds up to 16GB ram. Comes with a Linux OS, which may or may not be a turn off. C206 chipset is H67 based but does not allow overclocking. THIS IS NOT A GAMING RIG.This sells for over $500 elsewhere and original MSRP was $822. DatasheetProduct
I rolled over a 403b from a former employer into an IRA account at Fidelity, I was assured this rollover would work just like an IRA to IRA rollover (so I shouldn't have to pay any taxes on it now), but I received a W2 for the amount I rolled over, is this correct or did someone mess up? I've rolled over IRA to IRA before and never received a W2 for it...Thanks.
Last year, I noticed an account in my free credit report that was with Capital One, which I never applied for. So I went to a CapOne branch nearby and had it removed. This was on March 12, 2011 (I had it written down, but I do not know which representative I spoke with) I just checked my credit reports through American Express' Credit Secure, and the account with Capital One still shows up.What should I be doing in order to make sure it stays off? How long does it typically take to remove it? (Also, I am guessing removing the account will cause a dent in my credit score? The reports don't say what the "credit limit" on the card is though, for some reason, though they report the credit limits on my other credit cards accurately) .. Any suggestions?
http://www.staples.com/Staples-Trash-Bags-Drawstring-White-13-Ga... Brighton Professional, is the new brand for Staples janitorial & cleaning products. While we update our packaging, you may receive Staples Brand OR Brighton Professional liners. This is the correct product, but may be our new packaging
15 gallon capacity, white
X-Heavy good for industrial waste, including sharp, heavy or wet objects
50 per box
Staples Brand 100% Satisfaction Guaranteed
.69 mil, low densityStaples Coupons
Freshwater Pearl and Sterling Silver Necklace on Diamond-cut Bead Chain $33.33 FSwas $110.99http://www.divinejewelry.com/Freshwater-Sterling-Silver-Necklace...Product DetailsNecklace of six criss-crossed strands of glittering diamond-cut bead chain adorned with white and pink colored freshwater pearls and round clear and watermelon colored glass beads. 16 inch length. Sterling silver lobster-claw clasp
Poetic(TM) Slimbook Leather Case for Latest Generation 2011 Kindle 4 Wi-Fi 6" E Ink Display $5.95 shippedwas $29.95http://www.amazon.com/Poetic-Slimbook-Leather-Generation-Display...Amazon Coupons
Poetic(TM) Standbook Plus Multi-Stand Leather Case with HandStrap for Toshiba Thrive 7 7-inch Android Tablet $12.95 shippedPre -order. Ships on February 24, 2012was $29.95http://www.amazon.com/Poetic-Standbook-Multi-Stand-Leather-HandS...Technical DetailsDesign for Toshiba Thrive 7" Inch Android Tablet specifically
Stand leather case for Toshiba Thrive 7" Inch Android Tablet
Easy to insert or pull out your device and easy port access
Ultra slim and light case with Handstrap perfect for carrying
Provides total all around protectionAmazon Coupons
Last Saturday, 1/28, I got a mail from BofA reporting to the IRS on form 1099-C that I got a $952 income because of bad debt that they couldn't collect. This was so out of the blue because I don't recall owing them any $952 and never had any debt collector call from them. That night I pulled all three of my free annual credit reports to make sure there is no write-off of $952 or ID theft. Everything looks clean. On Monday, I called the bank to ask WTH? They asked for the account # on the 1099-C and after providing the account #, they couldn't locate it or couldn't link to me. They said they will do an investigation/research and get back to me in 7-10 business days. Beware of BofA, I know of at least 3 occasions where BofA made mistakes on relatives and family members accounts. I'm hoping that I just found a loophole for lawsuits and to retire early because my hair is getting gray and blood pressure rising from this. Any lawyers wants to take on this case?
Rite Aid 2-19-12 to 2-25-12
Had no idea I even had this ad. I thought I picked up one for next week but with all the talk about the Brainstrong, I realized I had seen it in an ad. Lo and behold it was this one...At first glance:Looks like free Colgate, potential MM after Qs (if any)Decent deal on Coke...BOGO candy barsFree after UP brainstrong toddler ($8 VV Q expired) but $2 MQ for a MM - doesn't qualify for SCR$20 Physican's Formula makeup BOGO50%, get $7 UP could be useful with TMF peelies$10 UP wyb $30 PrevacidVaseline $2.97- $2 UP limit 2 - .97 before QsColgate TBs: 2.49-$1.50 Up - .99 cents before Qs$10 Up wyb $30 Children's Advil, Robitussin, Dimetapp or Advil Congestion Relief Limit 4Tylenol Precise $.99 after MQ in MOST sunday papers. 
*Buy & Save items+UP DEALSSpend $10 $3+UP Limit2 * B&S
Maybeline cosmetics B1G1 50%off
$1/1 Maybelline Powder, Blush Concealer 2/5 RP
$2/1 New York Foundation 2/5 RP
$2/1 Super Stay 14 Hr Lipstick or Maybelline New York Lip Product 2/5 RP
$1/1 New York Eyeshadow, Eyeliner 2/5 RP
$1/1 New York mascara 2/5 RP - 1/8 RP
$2/1 New York Face Product 1/8 RP
Maybelline New York Dream Face $2/1 Print [coupons.com] 85710Colgate Toothpaste, Total Advance 5.8-6 oz or Sensitive 6 oz $3.50 get $3.50+UP Limit4 * B&S
$5 wyb $10 Rebate$1/1 MFQ in D&Y redeemable "AT" not "ONLY" at wags, also available at the villageVicks NyQuil or DayQuil, Nature Fusion, Vaporub, Sinex nasal mist 2/$12 get $3+UP Limit3
$1 off Vicks product, excl trial sizes and Vapo drops 1/29 PG
$3 off Vicks Nature Fusion product 1/29PGCoke and Coke Products 12 pack cans, 3/$10.98 get $3+UP Limit2Brain Strong Toddler 30 ct $13 get $13+UP Limit1
$2/1 Brainstrong Print [WalMart.com]Buy these items get $3+UP Limit1
Claritin-D any size, 10 - 30 ct * B&S
Claritin, various here [claritin.com]Prilosec OTC 28 ct $18.88 get $3+UP Limit ?
$2/1 any, Prilosec 1/29 PGTylenol Cold Liquid 8 oz $6.88 get $1+UP Limit4
$2/1 Tylenol Cold Liquid 1/15 SS & BlinkieHalls Cough Drops 20-25 ct, Defense 30ct 2/$4 get $1+UP Limit4 * B&S
Halls Cough Drops 20-30 ct, $1/2 Print [smartsource.com]90210
$1/2 TearpadPlaytex Gentle Glide or Sport Tampons 36-0 ct $7.99 get $3+UP Limit2 * B&S
$2.50/2 Playtex Gentle Glide Tampons or Playtex Sport Tampons, any 36 ct or large 1/1 SS
$1/1 Playtex Gentle Glide Tampons or Playtex Sport Tampons 1/1 SS
Playtex Sport Tampons, 18ct $1 Print [coupons.com]Buy these items get $10+UP Limit2
Nicorette Gum 160-170 ct
Nicorete or Commit Lozenges 108 ct
Nicorette Gum 160-170
Nicorete or Commit Lozenges 108 ct
Nicorette gum, 20 ct+, $1/1 Print [coupons.com]90210Buy $25 of these items get $5+UP Limit1
Pampers Jumpo Pack Diapers or Easy UPs Jumpo Pack $10.99
Johnson&Johnson or Desitin Baby Care Products BOGO50% off * B&S
Pampers Jumpo Pack Diapers or Easy UPs Jumpo Pack $10.99
Johnson&Johnson or Desitin Baby Care Products BOGO50% off * B&S Prices here
Desitin, $1, Print [desitin.com]
Desitin Diaper Rash, $1/1 Print [smartsource.com]
Desitin Soothing Rash Bath Treatment, ets, $1/1, Print [coupons.com] *80002 and Print [smartsource.com]
JOHNSON'S Baby Oil (excl 3 oz.), $1/1, Print [coupons.com]* 90210
JOHNSON'S Baby Creamy Oil 8 oz., $1.5/1, Print [coupons.com]* 90210
Johnsons Baby Oil, $1 Print [facebook.com]FB] (For You tab)
Johnson's Baby Lotion, Baby Cream, Moisture Care Wash, or Baby Oil $1/1, Print [facebook.com](FB)
Johnson's Baby Shampoo $1 Print [facebook.com] (FB)
Johnson's Bedtime Bath, Lotion $2/2, Print [coupons.com]
Johnson's Baby Lotion, $1, Print& print [coupons.com]
Johnson's Gift Set $2 Print [coupons.com]
J&J Shampoo, $1, Print [coupons.com]and Print [coupons.com]
Johnson's Baby Wash 15oz $1, Print [coupons.com]
Johnson's Shampoo or No More Tangles, $1, Print [coupons.com]or Print [coupons.com]
Johnson's & Johnson's Baby, various exc 1-4 oz, $1/1 Print [smartsource.com] 90210Listerine Mouthwash, toothpaste or Reach Floss, Toothbrush $3.99 $1+UP Limit2
Listerine, $1, 1.0L+, Print [listerine.com]
Listerine whitening vibrant white, plus restoring, or pre brush rinse, $1/1 Print [listerine.com] and $1/1 Print [smartsource.com] 90210Gillette ProGlide Styler Razor 1 ct $19.99 $5+UP Limit2
$3/1 ProGlide Styler 2/5 RPBuy $25 of these Olay Skin Care items get $5+UP Limit2
Olay Daily Care & Basic Anti-aging BOGO50% off
Olay Daily Care & Basic Anti-aging BOGO50% off
$1 off Olay bar, body wash or in-shower body lotion, excl trial sizes 1/29 PG
$5 off Olay Pro-X facial moisturizer, excl trial sizes 1/29 PG
FREE Olay 4 bar soap pk. wyb select Olay facial moisturizer or Hair Removal 1/29 PGBuy $12 of these items get $4+UP Limit2
Cherry Vanilla Cologne Spray
Love's Baby Soft
Parfum De Coeur Body SpraysBuy $15 of these L'oreal skin care items get $5+UP Limit2
L'oreal Revitalift or Age Perfect Skin Care (regular Retail $16.99 - $17.49) - $10.99
L'oreal Youth Code and Clinical Repair 10 Skin Care (excludes Youth Code Cleanser) - $5.00 Off Regular Retail
Parfum De Coeur Body Sprays
$3/1 Youth Code ets 1/22 RP
$2/1 L'oreal Paris Skincare product 1/1 RP
$2/1 L'oreal Age Perfect Hydra-Nutrition 1/29 RP
$1/1 L'oreal Paris Skincare product 1/29 RP
$5/1 L'oreal Age Perfect Hydra-Nutrition February VV
$5/1 L'oreal Revitalift February VVMitchum or Lady Mitchum Anti-perspirant & Deodorant (excludes Twin packs) 2/$6 $2+UP Limit4
$1/1 Mitchum deo www.coupons.comSecret Clinical or Gilette Clinical Antiperspirant/Deodorant 1.6-1.7 oz $7.88 $2+UP Limit2
$1 off Gillette deodorant, excl trial sizesColgate 360 or sensitive Manual Toothbrush $2.40 1.50+UP Limit 4Vaseline Intensive Care Lotion 10oz $2.97 2+UP Limit 2
$1/1 Vaseline total moisture, aloe fresh, cocoa radiant 3oz+ 1/29 RP
Good deal for you gentlemen whose wives and/or girlfriends appreciate pretty sparkly things and precious metals, but also admire frugality.This is a genuine Swarovski Elements crystal pendant on a dainty sterling chain - you can choose from a pink, blue or lilac teardrop crystal accented with crystal rhinestones, or a pink heart. The crappy cellphone pic doesn't show it very well, but the crystal is gradiated in color (darker at top, lighter at bottom) and has lots of sparkle and fire.It comes with a bonus ornament in the shape of a snowflake, strung on a ribbon that, regrettably, says 2011 on it .... and yes, that is a Christmas-tree-like silhouette on the box, so there's no hiding that this is leftover Christmas stock ... but still and all, it's quite beautiful and the heart, especially, is perfectly appropriate for V-Day. The store I was in had plenty of them .... as always with WalMart, YMMV.$24 online, but this is a better picture. The store I was at did not have any purple hearts that I saw, but I didn't look through them.Walmart Coupons
http://www.staples.com/Seagate-FreeAgent-GoFlex-1TB-External-Har...Select the 1TB USB 2.0 version of the drive and add it to the cart.$89.99 in cart - $20 (coupon 41636) = $69.99 free shipping + tax in your area. Mine came out to $73.49
Seems to have a 2.5" 5400RPM SATA drive inside
Not bad if you want a couple for RAID 1 storage array or just need a new portable drive for cheap. Cheapest 1tb internal drive I could find on Newegg was $114Staples Coupons
I am eligible for a ~$30,000 grant to purchase a new home. There are many signs pointing to the local property market being over priced. I'd like to take advantage of the grant and was thinking getting a new place on a 3 year mortgage. Pay the 10% deposit and the interest only over the next 3 years. If the market goes up in the next 3 year remortgage the property and keep it. If it goes down. Well at the end of 3 years I hand the keys over to the bank and lose my deposit. My target price for a home is ~$100,000-$200,000. I need to live in the place for 6 months. So the most rent I can get will be 2.5 years. My aim is to have a risk free bet on the property market and maybe to pocket some of the grant money.Never owned a home before. So maybe I am making some naive mistakes about what I can do. This is not in the USA. Looking for some opinions. Thanks.
Anco Profile Wiper Blades BOGO a/mir (w free install)Peak 50/50 Anti Freeze $6 a$5 MIR or full strength $8 a/$5 MIR(limit 2 rebates)Techron Fuel System Cleaner $6 (no rebate)3M Headlight Lens Restoration Kit $17.98Silver Star Twin Pack Headlamps $29.99 (a/$10 MIR)GUNK Engine Brite 2 for $7 (MB 2)LUCAS Fuel Inj Cleaner, Oil Stabilizer or Transmission Fix $10Goodyear 2TON Jack $20 (a/$5 MIR)2 for $8 mix/matchTurtle Wax Car WashTW Hard Shell Paste or LiquidArmor All 25 Ct WipesMothers Showtime Detailer***************************************************DIY Oil Changes$35 Mobil ONE (5 or 5.1 qts oil and Mobil 1 Filter) Limit 2 No rebatesor $32 Pennzoil Platn. Synth Motor Oil & PureOne Filter (filter up to $7 in value only)**************************************$19.99 Pennz. 5.1/5 Qt Conventional and Classic Filter$23.99 Pennz. High Mileage MO and Classic Filter
Size 3
Size 4
Size 5Not a bad price for the little movers if you don't mind the Christmasy look in February.ToysRUs Coupons
If you missed out on previous offers text COSMOBODY to 467467.
I've recently started a new job and would like to sign up for a 401k. I'm given the following options in terms of investments (net expense ratios for each option included):
Stocks
Large Company
American Beacon Lg Cap Value Inv - AAGPX - 0.97%
American Funds Growth Fund of Amer - RGAFX - 0.38%
Schwab S&P 500 Index - SWPPX - 0.09%
Small/Mid Co.
Alger Small Cap Growth Institutiona - ALSRX - 1.23%
Artisan Mid Cap Value Investor - ARTQX - 1.21%
Columbia Acorn Z - ACRNX - 0.76%
Federated Mid-Cap Index Svc - FMDCX - 0.56%
Heartland Value - HRTVX - 1.14%
Intl/Global
Harbor International Inv - HIINX - 1.16%
William Blair International Growth - WBIGX - 1.43%
Bonds
Columbia Intermediate Bond Z - SRBFX - 0.59%
Balanced
Invesco Van Kampen Equity and Incom - ACETX - 0.56%
Schwab Mngd Ret Trust 2010 Cl II - for all target funds exp. ratio is 0.69%
Schwab Mngd Ret Trust 2020 Cl II
Schwab Mngd Ret Trust 2030 Cl II
Schwab Mngd Ret Trust 2040 Cl II
Schwab Mngd Ret Trust 2050 Cl II
Schwab Mngd Ret Trust Income Cl II
Capital Preservation
Schwab Stable Value - 0.50% exp. ratio, fund terminating on Apr. 30, 2012These options don't look to good to me, but maybe more seasoned investors think differently? I'm in my late 20s, so was planning on investing 75-85% into stocks.
Was just told about a renovation loan for a foreclosure property im looking at. Any feedback appreciated. Nothing came up in a search, and google just gave bank webpages but no details or fine print.
Hello,Currently I am paying PMI (Private Mortgage Insurance) for the loan serviced by Wells Fargo. I recently contacted Wells Fargo regarding the no cost refinance for existing customers. However, the representative noted (very timidly) that I do not qualify because I currently pay PMI.Instead, I was told that if I refinance (with closing cost), PMI will come off because "the current lender of the loan believes my house has appraised enough." Kind of funny how they will not allow me to remove PMI to refinance at no cost but are willing to remove PMI if I refinance (with closing cost).Is it true that if I have PMI on account, they will not offer the no cost refinance option? Should I keep trying? Any other suggestions or comments?Thank you
http://www.amazon.com/The-21st-Century-Constitution-ebook/dp/B00...It was over 200 years ago when the Framers of our Constitution met in Philadelphia in the summer of 1787, and replaced the defective Articles of Confederation with a Constitution appropriate for the 18th and 19th centuries. But the onset of the 21st century has revealed latent structural defects in the framework of the 1787 Constitution, a Constitution which "ordained and established" a government that, due to the developments of modern society on anticipated by the framers, is no longer able to "promote the general welfare." The $13 trillion national debt, a debt which no branch of government is able to control, is only the most visible example of this institutional crisis -- a crisis which can only worsen over time.The 21st Century Constitution asks two critical questions: is the Constitution, drafted in 1787, a political document appropriate for the 21st century? And, if not, how does the Constitution need to be amended? The net result is the first book to analyze 1787 Constitution clause-by-clause, and to propose over 200 changes to that document appropriate for an Information Age, including previously discussed amendments such as term limitation and public financing amendments, as well as 21st-century amendments not previously considered, such as Citizen-approved National Objectives, a National Database consisting of freely searchable public materials such as government statistics and books, a Federal Academy, a Right to an Education, a National Poll, and many, many other provisions. The new Constitution builds on the central premises recognized by the Framers, and is one that they very well might have crafted had they met in the Philadelphia of 2001, and not 1787.With a form of government that works for America, and not against it, United States can obliterate entrenched waste, reclaim opportunities lost, and forge ahead to achieve the greatness that was always possible, but until now, never achieved.Amazon Coupons
All,I don't know why it was removed a 2nd time.http://forums.dropbox.com/topic.php?id=53104&replies=393"Hello Beta Testers!Wow. Incredible amount of testing! This new version fixes lots of bugs that you reported so please use this version, and keep plugging in those devices.During this beta period, we are also offering additional free space to test automatic uploading of photos and videos. For every 500MB of photos and videos automatically uploaded, you'll receive another 500MB space bonus, up to 5GB total.FAQ on the Photo Upload feature.Why didn't I get my free space for beta testing the latest forum build?
https://www.dropbox.com/help/287Can I manage files after they have been uploaded into my Camera Uploads folder?
https://www.dropbox.com/help/2881.3.13Fix crashes when importing raw files
Better handling of disconnecting a device in Windows.
Fix case where we could create multiple Camera Uploads folders
Fix progress windows being too small on Windows
Add support for importing wmv, m4v, mkv, mts, 3gp in DCIM directory.
Other small fixes
1.3 (Codename: Phoenix Down) FeaturesImporting of photos from cameras, phones, and SD cards.
Batch upload/download of files.
Windows: http://dl-web.dropbox.com/u/17/Dropbox%201.3.13.exe
Mac OS X: http://dl-web.dropbox.com/u/17/Dropbox%201.3.13.dmg
Linux x86_64: http://dl-web.dropbox.com/u/17/dropbox-lnx.x86_64-1.3.13.tar.gz
Linux x86: http://dl-web.dropbox.com/u/17/dropbox-lnx.x86-1.3.13.tar.gzNotes:Clients 1.3.7 and earlier had an auto-update bug. Please install this version so that your client will stay up to date!
The photo import feature is not available on Mac 10.4 and Linux.
For Android devices, it's best to use "Connect as Disk Drive". HTC Sync will not work.
To import from iPhone, make sure to unlock your phone and enter your passcode before importing, otherwise it will claim to find no photos.
If importing from your iPhone on Mac gives an import error, try hard resetting it--hold down the power and the home button for 5 seconds. This will reboot the phone; it shouldn't change your settings or delete data.
On Windows, this feature relies on Autoplay. Please enable Autoplay to use this feature if you have disabled it.
On XP and Vista, it relies on the Windows Image Acquisition Service. If this service is not started, please start the service and reinstall Dropbox to use this feature. On WIndows Server, you may have to install the Desktop Experience feature.
On Windows 7, newer devices that rely on Device Stage (in the Control Panel) will not show Dropbox as an import option until you select "Change Program" for the default.
The Galaxy Nexus takes a lot of time to connect on OS X because it likes to pretend that every image on the device is a photograph. We now estimate how long it's going to take and show you that in the progress bar but it's usually in the order of minutes. We're working to see if this can be improved.
As usual, we strongly recommend making a backup of your Dropbox before upgrading to this build as we'll need a few weeks to be certain of its stability. We will rapidly release new builds as necessary to snipe the most common issues as they arise."
Seven strand freshwater pearl necklace with yellow and green citrine accents only $ 0.95 FS with purchase of any other itemWas $42.99Free shipping on all orders.http://www.divinejewelry.com/dp/B0069VG30KGet this necklace for $0.95 with the purchase of any other
item from the store. Simply add necklace along with other purchases to
your cart. Discount will be applied automatically at checkout.
Multiple purchases permitted.
Not sure if many here have received this letter from Chase. It says the 1099-INT they may have sent me was incomplete or they didnt send it in by Jan 31st at all. So they're going to send me an additional/original 1099-INT by Feb 7th.If you've already filed your income taxes and need to amend it, please call us at the number below and we'll reimburse the fee for filing the amendment.This could be a great way to make money on your tax preparations!
Intel Core i7-960 Bloomfield 3.2GHz LGA 1366 130W Quad-Core Desktop Processor BX80601960
289.99/free shipping/Newegg
possible 2-day Shoprunner
http://www.newegg.com/Product/Product.aspx?Item=N82E16819115224&...
cheapest i could find on pricewatch was 304.99 it's only 15 bux but 15 bux is alot in todays shithole economyNewegg Coupons
add to cart for $5.97
15% Off w/Subscribe & Save
$5.07
Free Shipping http://www.amazon.com/dp/B003QH1P6W/Amazon Coupons
3 discs- Cat in the Hat by Dr. SuessIncludes:
The Cat in the Hat Knows a Lot About That!
Wings and Things
Tales About Tails
Robe and PJ'sSet includes satin pajamas and long-sleeve robe
Choice of 3 colors/pattern
Sizes S thur XXLWalmart Coupons
LinkEarlier thread was moved because it "expired". But Newegg page says it ends on 2/5 and I was able to add it to cart.Newegg Coupons
I think a great deal on Monitor Audio M6 floor standing speakers - usually $329-399 each, last good deal was open boxed ones for $249 a few months back - saw this deal and think it's great. M6 $229Other M-series Monitor Audio speakers at Audio Advisor on sale too.
M4 are $199 each
M2 $269 a pair
Watch the short video than click Get Samplehttp://cvssavingscentral.com/Programs/UNI-SimpleBPQ1.aspx
Hi, long time lurker here. You guys are a wealth of knowledge. Just wanted to get your expert opinion on something.Recently, a friend invited me to an Invado International meeting at his home. I declined the offer after he told me about it and sent me some videos since I smelled that it was a big time scam. I'm sure it's the usual MLM pyramid scam but I just wanted to get some second opinions on it.Here's some info of what Invado "sells":1.) They're in the energy market for the states that are unregulated.
2.) They sell some lame tablet.
3.) They started a group buying coupon site called "Daily Referral", much like Groupon and Living Social.To be a customer is free. Independent Representative is $499 (Red Flag 1)
There is also a $29 monthly fee for a business monthly kit. (Red Flag 2)Their website is: http://www.invadoinc.com/
A sister website with a few videos at: http://www.invadokingdombuilders.com/And a youtube video at: http://www.youtube.com/watch?v=OBgFERhusCU&feature=youtu.beLike I said I just want some second opinions about it. I hate to see a friend fall for a scam like this. Thank you.
My other purchase of the day! A Waring WMK300A Pro Professional Stainless-Steel Belgian Waffle Maker. It was $150 and now $66.88 which is a saving of $83.12!http://www.amazon.com/Waring-WMK300A-Professional-Stainless-Stee...Product Features:-Stainless-steel waffle maker bakes thick, delicious Belgian waffles
-180-Degree rotating function; rotary browning-control knob
-Power and ready LED indicators; ready audio beep tones
-Drip tray; folding handle for compact storage; UL/CUL-approved
-Measures 11 by 19-1/2 by 9-1/2 inches; 1-Year limited warrantyEnjoy.
Cross Cut Paper ShredderEnsure the privacy of disposed confidential documents with the Black & Decker Slim Crosscut Paper Shredder and Messaging Center. This combination shredder and messaging center features a mesh pocket for envelopes and a magnetic white board. It's designed to hang on a wall or sit on the floor. A sensor lets you know when the shredder bin is full and needs to be emptied.
got this email just moments ago....perfect timing since I was planning on stopping there this am:http://www.michaels.com/c/020312-EMAIL-US-3,default,pg.html?cm_m...
Ok, here's the situation. I was signed up for the Freedom card 4 months ago and came to realize 2 months thereafter that the promo I signed up for was a measly $10 CashBack bonus on first purchase. Of course I then see the $200 CashBack promo and think I've been duped. I ended up calling card services to see what I can do and they said if I have a "promo code" they would honor the $200 CashBack. I never received a letter with a promo code but did as if they are unique codes to the recipient or general universal codes and was told the latter, they are not unique. My question did anyone receive a letter with this promotion or promo code that they could share? If not any advice on the situation. I already tried the whole "I'm gonna cancel this card and sign up for a new one" but the system will reject it because i was approved within last 6 months. Help please! promo code, advice, anyone?
Special Offers and Product Promotions -
$100 Instant Rebate: Price includes manufacturer's instant rebate when you buy now from Amazon.com. $439 "sold-by-amazon" price on Feb 2color laser all-in-one with auto-duplexing-{scan,copy,print}. wireless & wired network connections.
reviews say comes with full-size (not "starter") toner cartridges.It usually goes for ~$600. Costco had it last month for $469, and I thought that was a good deal.Caveat: I have noticed that the "sold-by-Amazon" price fluctuates all through the day. and has
ranged $469 ~ %599 during the last couple of weeks for this printer. Usually the price comes down in
the middle of the night. Has anyone else noticed this behavior ? In general, how would one take
advantage of (or counteract) such price-optimization practices ?
Text
priv Mockneck Cashmere Sweater $31.15 Orig:$89.00
New Lower Price!
Item #03576288   Our priv cashmere designs are luxurious yet practical: lightweight, warm, soft and washable. This updated mockneck sweater layers smoothly under jackets. Of course, you can always wear it alone for a classic look. hand-stitched joins for hems, sleeves and neckline create a soft, clean finish
2-ply yarn knit with 1x1 ribbed trim provides lightweight warmth
mock neckline
long sleeves
cashmere; hand wash
Only at Dillard's. Imported. About priv:
Each priv design is crafted from the best grade fibers selected for their fine diameter and longer length, which means your sweater is softer, smoother and more durable. To create saturated color thats absolutely irresistible, only the whitest fibers are used for dyeing. But here's the best part: all styles are hand washable so your favorite priv sweater is always there when you need it.
I received this letter in the mail today...............Text
January 23, 2012To Our Valued Customers,We take our responsibility to protect your personal data very seriously. Earlier this month, we discovered that an employee of an independent software development consulting firm (contracted by NYSEG and RG&E) allowed unauthorized access to one of our customer information systems. The customer records contain Social Security numbers, dates of birth and, in some cases, financial institution account numbers.While we have no evidence that such data has actually been misused, or that there was any malicious intent, we are notifying you out of an abundance of caution so that you have the information and tools necessary to help detect and prevent any misuse of personal information. We have consulted with law enforcement and engaged computer forensics experts. Our investigation is ongoing and we will continue to provide law enforcement with our full assistance.Credit Monitoring AssistanceAbove all, we ask you to be vigilant in monitoring your credit and bank accounts for any sign of unauthorized activity. If you suspect any incidence of identity theft, please contact your local law enforcement agency or the Federal Trade Commission.As a precautionary measure, NYSEG and RG&E have arranged for Experian to offer you the option of a year of credit monitoring free of charge through ProtectMyID. If you'd like to take advantage of this offer, you must enroll by April 30, 2012. You can activate your membership in two easy steps:Visit the ProtectMyID website: www.protectmyid.com/NYSEGandRGE or call 1.877.736.4495 (toll-free) or
1.479.573.7373 (for international callers) to enroll.
Provide Your Activation Code, which will be mailed to your billing address.
Your complimentary 12-month ProtectMyID membership includes:Credit Report: A free copy of your Experian credit report.
Daily Credit Monitoring: Alerts you to suspicious activity including new inquiries, newly-opened accounts, delinquencies, or collections found on your Experian credit report. You can elect to receive alerts by e-mail, text message, or first class mail.
Identity Theft Resolution: If you have been a victim of identity theft as a result of this situation, you will be assigned a dedicated, U.S.-based Experian Identity Theft Resolution Agent who will walk you through the fraud resolution process, from start to finish.
$1 Million Identity Theft Insurance*: As a ProtectMyID member, you are immediately covered by a $1 million insurance policy that can help you cover certain costs including lost wages, private investigator fees and unauthorized electronic fund transfers in the event of an identity theft incident.
SupportIf you have questions, need help enrolling in the credit monitoring program, or feel that you may have an identity theft issue, assistance is available at 1.877.736.4495 (toll-free) or 1.479.573.7373 (for international callers), Monday through Friday, 9 a.m. to 9 p.m. (Eastern Time), and Saturday through Sunday, 11 a.m. to 8 p.m.In addition, you are entitled under U.S. law to order one free copy of your credit report every 12 months from each of the three nationwide credit bureaus. To order your free credit report, visit www.annualcreditreport.com or call 1.877.322.8228 (toll-free).If you wish to learn more about ways to limit the risk of identity theft, such as fraud monitoring and security freezes on credit accounts, consider contacting the Federal Trade Commission or your state Attorney General.Federal Trade Commission:
600 Pennsylvania Avenue, NW
Washington, DC 20580
1.877.ID.THEFT (1.877.438.4338)
www.ftc.gov/idtheftWe take pride in serving you and apologize for any inconvenience or concern that this incident may cause. Please be assured that we take the privacy of customer data very seriously, and we remain dedicated to using our best efforts to regularly assess and adapt our physical, administrative and technical security measures in order to protect such data.Mark S. Lynch
President
NYSEG and RG&E
* Identity theft insurance is underwritten by insurance company subsidiaries or affiliates of Chartis, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.
I just received 1099-MISC from AMEX for $686.50 for the 2011 Holiday Gift Chain promo. I am sure many of you participated in this so be prepared for it. The amount is pretty close to what I estimated for my profit ($700). But definitely didn't expect the 1099-MISC. This is new even though this was all from CC-related transactions and mail-in letters. Based on my estimate & tracking, it doesn't seem like this is just for the mail-in letters that I did.We are getting into new territory now for these CC-related promos. Wonder what 2012 has in store.
Basically free flatbread for filling in your info and signing up for their newsletter. It enters you in a contest to win a dinner for 20, but I assume that's just to get people to fill out the form. It does give everyone who enters a free flatbread though.http://promos.maggianos.com/20/I was already on their mailing list, so this was basically just a freebie for me.Tks, mods.
Basically free flatbread for filling in your info and signing up for their newsletter. It enters you in a contest to win a dinner for 20, but I assume that's just to get people to fill out the form. It does give everyone who enters a free flatbread though.http://promos.maggianos.com/20/I was already on their mailing list, so this was basically just a freebie for me.
Four strand scarf style white freshwater pearl necklace with amethyst $19.19 FS with prime
was $52.99FREE Super Saver Shipping on orders over $25
FS with primehttp://www.amazon.com/strand-freshwater-necklace-amethyst-gre/dp...Product Description
Four strand scarf-style necklace with a toggle closure featuring white freshwater pearls and purple amethyst and green citrine chips, accented by a carved white flower pendant.
LINKFYI, it's a Washington, DC deal
Copy and paste for store coupon, for some reason the link wont work correctly: BarnesandNoble.com/email/coupon.asp?r=1&pid=42438&bc=APP7BDPW147RXI checked out mine on BN.com and mine was for 20% off one item. Here is the online code: APP7BDPW147RX
Seems like these can be used multiple times....PLEASE POST IF YOU HAVE THE 50% OFF COUPON!! Surprise Savings Coupon Details:This coupon can be redeemed only once per customer per billing address at any Barnes & Noble retail store or online at BN.com.This coupon is valid from February 2, 2012 and expires in stores February 5, 2012 at close of business, or for orders placed online, at 2:59 a.m. Eastern Time February 6, 2012, while supplies last.This coupon entitles you to one of the following discounts: 10%, 15%, 20%, 30% or 50% off the one eligible item in your order. The discount will be applied to the most expensive eligible item in the order - not the entire purchase - and will be deducted after all other eligible discounts, including (if applicable) the standard Member discount, are applied.To see which discount offer you qualify for, enter this coupon at checkout. No purchase is required. You may choose not to complete your transaction after seeing your discount and before paying.Additional Rules Governing Use of this Coupon: This coupon is (i) not redeemable for cash or cash equivalents (including Gift Cards and online Gift Certificates); (ii) not valid on past purchases; (iii) not eligible for purchases of the following products and services: Barnes & Noble Memberships, Gift Cards, Gift Certificates, gift-wrapping, textbooks, video games, digital content (including but not limited to NOOK Books, magazines, and periodicals), NOOK(r) devices and their related accessories, other hardware and electronics, software, products available for pre-order, products from the Rosetta Stone Series, products available for in-store ship-to-home orders, or products marked as not eligible for "coupons or promotional discounts," (iv) not valid on purchases made from third parties accessible from the BN.com website (e.g., used books, PC and video games, etc.); (v) not valid at HP.BN.com (vi) not valid on applicable sales tax or shipping or handling expenses; (vii) may not be combined with any other coupon or promotional discount; and (viii) may not be combined with the Educator program discount. This coupon is not valid at Barnes & Noble College Bookstores or websites. Void where prohibited by law.This offer is subject to change or discontinuation without notice; we will, however, honor properly placed orders with valid methods of payment with sufficient funds placed prior to such change or discontinuation. Barnes & Noble is not responsible for typographical or pictorial errors.
linkTableCraft Water Dispenser
now $19.99 ($15.99 after coupon SMS7873)
Shipping .99 cents
Original $49.99 Availability of sizes, colors or styles may vary.Select Color: BlackGet the party started! Guests will love serving themselves from this TableCraft dispener.Restaurant-quality design holds three gallons of your favorite beverage.
Dripless, thumb-operated spout offers carefree dispensing.
National Food Safety-approved plastic construction ensures lasting use.
Details: 3-gallon capacity
Hand wash
Model numbers: Black: H953
Yellow: H953LY
Red: H953P
My wife just lost her job that she has worked at for the past nine years, 4 months after the baby was born. As we are pursuing options regarding the legality of this event we are also trying to figure out what she can do to stay at home with our new baby, as that is her ultimate desire. We live a pretty frugal life already so there is not much to cut out of the budget. With her not working we are short about $1200 a month. We have a savings to make up the difference for up to six months (without touching our emergency fund)but we would like to keep our savings intact.We were initially thinking in home day care, but after reading the recent thread on the liabilities involved we are a little hesitant to pursue that route. She does have her BS in Health and Exercise Science but we are at a loss at what she can use that for while taking care of our child.TIA
First, this is NOT another gas card deal. I noticed this coupon when looking through my local on-line flyer this morning. If you live in the SE US you probably know Publix. Publix is the largest employee-owned supermarket chain in the country with 151,000 employees and over $25B in sales.If you live in Alabama, Tenessee, Georgia, South Carolina or Florida then you may be able to take advantage of this deal. To get your $10 gift card purchase $100 in groceries (excluding alcohol, etc.) and present the coupon to get your card good for future purchases. Please see your own local flier to see if your store is participating and for all the details. The coupon was on page 6 of the Orlando flier.Again, this is not as good as the $50 gift card for $40 (with $25 purchase) but getting $10 in free product for buying $100 in groceries that you might already be buying is good. No?
I was at Sam's Club last night and saw this very nice outdoor shed, but did not buy it right then. After searching the web and even Sam's Club site, I knew I had a FW deal, if what I saw was correct.
Went back this morning and it was in fact $479.00 at the store.Lifetime 7' x 4.5' Storage Shed Model # 60057This shed is $679.00 on Sam's website: http://www.samsclub.com/sams/shop/product.jsp?productId=prod3320...$699.00 at Amazon: http://www.amazon.com/Lifetime-7-Feet-4-5-Feet-Storage-60057/dp/...
The item # on the receipt says 940602 shed. Model # on box 60057 2 boxes
Wanted to add, this shed has great reviews.
First, this is NOT another gas card deal. I noticed this coupon when looking through my local on-line flyer this morning. If you live in the SE US you probably know Publix. Publix is the largest employee-owned supermarket chain in the country with 151,000 employees and over $25B in sales.If you live in Alabama, Tenessee, Georgia, South Carolina or Florida then you may be able to take advantage of this deal. To get your $10 gift card purchase $100 in groceries (excluding alcohol, etc.) and present the coupon to get your card good for future purchases. Please see your own local flier to see if your store is participating and for all the details. The coupon was on page 6 of the Orlando flier.Again, this is not as good as the $50 gift card for $40 (with $25 purchase) but getting $10 in free product for buying $100 in groceries that you might already be buying is good. No?
Today only, MidnightBox offers this 85-Key Foldable USB Keyboard in Blue, model no. 72-4931, for $7.95 plus $3.99 for shipping. This water-resistant, spill-proof, and washable keyboard measures 5.25" x 13.75" x 0.63".
LINK
This item has been 9.99 forever. Admittedly I want the actual print book of this, but what's free is free! Apparantely there are some "top secret" documents in this ebook. Not anymore!Review
Stroilov has stolen one of the most fascinating archives in recent diplomatic history and has given us documentation for all those old assumptions - and much more. --The Washington Times Product Description
Using top secret documents stolen from Russian archives, historian Pavel Stroilov, a Russian dissident living in London in political exile, has written a masterpiece on the behind-the-scenes politicking of the first Gulf War that exposes direct lies in the memoirs of President Bush Senior, Brent Scowcroft and James Baker, and explains the truth behind the current revolutions throughout the Middle East. In addition to revealing a great number of never-before-seen top secret documents, Behind the Desert Storm delves into closed-doors discussions between world leaders - something that normally remains secret for a very long time. It tells the hidden history of the events which have largely determined the current state of the Middle East - from the conflict in Iraq to the Israeli-Palestinian peace process to the development of the Eurabia alliance between the EU and the Arab states. Looking forward, Stroilov draws out relevant lessons from history for future foreign policy.
LINK TO FREE BOOK
I have a Mortgage with Penfed paid 119 for a house 3.5 years ago and put 20% down and did a 30 yr fixed with penfed at 6.125.
About 6 months later the rates were at 4.625 and Penfed offered a rate buydown for a fee if about 1100 dollars. I did this and cut my rate to the 4.625. I've also been paying an extra $50 each month.
I also have a HEL at 7% that I took 18K out with about 14 months ago. It cleared some other higher priced debt. The HEL is a 10 year payoff.Now I owe between the Mortgage and the HEL 104.7K. When I got the HEL my appraisal came back at 127. By that time I'd spent quite a bit more money on the house updateing, building a LARGE deck and such, so was slightly disappointed in that bit no big deal. The market dropped a little here, but not nearly as bad as in other places. I'm not sure today if it would appraise higher than 127 or lower, or the same.Last time I spoke with Penfed they basically said there was no current easy "rate buydown" program, and it would just be a refi, like a new mortgage with fees (They now have the 1% orig fee too)
They also noted that they would only loan 80% of the value, so if it appraised at the 127K, then the loan would be for 101K.
I'd have to pull out the other 3.7K plus all the closing fees, around prob 2.5K, so total of over 6K just to do the refi and it would drop it all into one mortgage of (today around 3.625%).That would cut my total payments from $712 down to around $500. So $200 a month savings.
I could hold that $200 and "recover" my closing fees back, or I could dump it on the house.
Another option would be to do a 15year at 3.125% keep about the same payments as now, and be on a 13 year payoff (with my 50 extra) vs a 22 year path remaining as is.I'm likely to be in this house between 4 and 6 more years.Not sure if its worth it, or if I'm missing another idea I've overlooked.Thoughts?
Gerber Crevice Linerlock with Partially Serrated Blade $15.99 shippedwas $33.99http://www.gearhog.com/Deal Overview
Stainless steel blade
Thumb disc
Textured aluminum handle
Low rise pocket clip
Carabiner clip (non load bearing)
Bottle opener
3-1/4" blade length
5-1/2" closed
Text
K33054George Foreman Evolve Grill w/ 6 Removable Non-stickPlates
Hot Pick: Over 75,000 Sold!QVC Price: $121.00
Featured Price:
$109.80
Shipping & Handling: $14.47
Save! Buy two or more and save on S & H. See Details Easy Pay! 3 Installments of $36.60, plus Tax and S & H
Good until February 1, 2012 11:59 p.m. ET
See S & H and Easy Pay details
It's the time-tested classic you know and love--evolved for a new generation of culinary ease! With six interchangeable nonstick plates, the Evolve is an incredibly versatile George Foreman grill that makes cooking and baking your favorite foods easier than ever before.Big possibilities--small space. While compact enough to use and store right on your counter, this kitchen essential has six removable plates--it's like six appliances in one! Grill grease-free burgers, fish, chicken, and way more with the two grill plates. Use the waffle plates to make scrumptious Sunday breakfasts. Feeling creative? Make muffins--no oven required--with the muffin cup plate, and experiment with the bake pan plate for deep dish pizzas, brownies--whatever you're craving. Boasting even heat distribution and timer and temperature controls, this grill makes preparing a variety of dishes so simple.Healthy cooking. Like all George Foreman grills, the Evolve is designed with deep channels that drain the fat away from your food. If you're trying to start or maintain a lighter diet, this machine is the perfect complement to your health-conscious lifestyle.No-hassle cleanup. The removable plates are all nonstick. That means there's no tedious scraping and scrubbing after meals. For ultra-easy cleaning, just place the plates right in your dishwasher.More than a grill, it's your go-to cooking station. From George Foreman.
Includes grill, six interchangeable plates, two drip trays, two spatulas, and instructions with nine recipes
Plates include two grill plates, two waffle plates, one muffin pan plate, and one deep-dish/bake pan plate
Design channels fat and grease away from foods
One-touch, wipe-clean LCD digital control built into lid
Variable temperature control from 300F to 425F in 25-degree increments
Variable cooking time control from 1 to 20 minutes in 1-minute increments
Locking grill plate tabs for easy on/off
Even heat distribution
Power/ready light
All plates are nonstick, heavy-cast aluminum
All plates are dishwasher safe
Measures approximately 13"L x 15"W x 6"H; opens to 15"H; cord 2'L
UL listed; 3-year Limited Manufacturer's Warranty
Made in China
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.
Hi all,been lurking for a little bit and must say I like the insight I have gathered in a relatively short period of time.I was talking with my sister and she asked me about her 403b allocations (not sure, since I'm not a finance guy) and FWF came to mind. So i thougth I'd throw it out here.Here's a little background:37 years old - College Professor
Tenured Associate Professor, Department Chairperson, going for Full Professor and probably $10-$12K raise in the next year.
Annual Salary - $86,xxx, with anywhere from $3k to $10k in stipends, advising, independant studies etc.)
Maxed out 7.5% contribution - 100% matched by college (jumps to 10% next academic year (sept).)
Some stocks and personal IRA (<$25K)Her allocations look like this: Guaranteed 49.74%
Equities 28.40%
Real Estate 6.79%
Fixed Income 4.78%
Money Market 10.28% She didn't know if she should lower the Guaranteed and put more towards something else. She did meet with the campus representative for Tiaa-cref, but she was less than impressed (not exactly sure what they said).Any thougths would be appreciated.
Ok, please be nice, this is only my second deal post but I thought this was a really good deal. Went to Target last night armed with all my Enfamil coupons and was pleasantly surprised to see that Target is currently running the gift card special where you buy 2 of the Enfamil refill boxes and you get a $5 gift card. Most of us that use Enfamil have the $5 coupons and $4 voucher checks most of the time but the key here was using the $7 coupon in the Target baby circular that just got sent out. So the deal went like this for me: 2 boxes of Enfamil Gentlease = $65.96
2, $5 Enfamil coupons - 10
2, $4 Enfamil vouchers - 8
Target baby coupon - 7
$40 out of pocket + $5 Target gcGood deal if you were stockpiling coupons and waiting for a deal!
best buy 50 offer
didn't see this posted, sorry if it already was. Got an email from reward zone that says if you sign up by 2/12 and upgrade by the end of the year, they will give you A $50 gc. Looks like all carriers are eligible and also iphones. I'm eligible this month, so I'll probably try it right away.
Hi everyone,I just thought I'd let everyone know that the Capital One Rewards Money Market account reports miles on your 1099 so you have no choice but to report them on your taxes. I tried moving all my miles over to my Capital One credit card in November and cashing them out there but they accurately kept track of which miles came from the Money Market account and reported them on my 1099. Then today I received a letter explaining why my 1099 amount was higher than my actual interest earned... because they have reported my miles as interest. Needless to say, this was just the kick in the butt I needed to close this account. I've been watching the APR tank but held out hope that the miles would not be reported. Good bye Capital One!
Hi,I was in Michigan and moved to Tennessee recently. I have found that there are no ATM's/Branches available in the whole Tennessee. I am not sure how to with draw money. I can use Nonchase ATM's but 5$ charge will be there for each transaction. I will stay here for sometime and I cannot afford 5$ each time I do a transaction. Kindly suggest me.Thanks
Was waiting for a price reduction. jcp.com has this for 18.00 with free ship to store or shipping for me was 6.00.  Waffle Maker, cooks Belgian Flip
Item# FC780-2370B
Color: Silver/Black IS $18 february 1 $18.00




Subtotal: $18.00
Standard Shipping & Handling: $6.00
Tax: $1.12
see photos for all the sales. I believe the 20oz pistachios was be $5.99 per bag BOGO, so 2.5lbs for $5.99 which is an awesome deal! (not confirmed, but will update)
I searched & didn't find this posted yet, but wasn't sure if it should go here or in free stuff.Looks to be a nice set of thrillers for freeKindle edition Ultimat Thriller Boxed Set....AmazonCONTENTS:Origin by J.A. Konrath
Desert Places by Blake Crouch
Darkness on the Edge of Town by J. Carson Black
Watch Me Die by Lee Goldberg
Disintegration by Scott NicholsonTogether, these novels have accrued over 250 5-star reviews and sold hundreds of thousands of copies. We hope you enjoy!
$1.40 Ac/Dc High voltage. TextJust one example. Many, many others- to many to list.
You will have to search what you like.Get $1 in Amazon MP3 credit with qualifying purchase. Limited to one promotional credit per customer.All 70 Cents:
Aerosmith - Toys in the Attic
Aerosmith - Aerosmith's Greatest Hits
Aerosmith - Rocks
Aerosmith - Get Your Wings
Aerosmith - Aerosmith
Aerosmith - Live Bootleg
Alan Parsons Project - I Robot
Alice in Chains - Jar of Flies
Alice in Chains - Facelift
Alice in Chains - Dirt
Alice in Chains - Alice in Chains
Alice in Chains - Greatest Hits
Black Crowes - Greatest Hits
Blue Oyster Cult - Don't Fear the Reaper - Best of Blue Oyster Cult
Boston - Boston
Boston - Greatest Hits
The Clash - London Calling
The Clash - Combat Rock
The Clash - Give Em Enough Rope
The Clash - The Clash (UK)
The Clash - The Clash (US)
The Clash - Super Black Market Clash
Billy Joel - The Stranger
Billy Joel - Piano Man
Billy Joel - Greatest Hits Vol 3
Journey - Escape
Journey - Frontiers
Journey - Evolution
Judas Priest - Unleashed in the East
Judas Priest - Defenders of the Faith
Judas Priest - Screaming for Vengeance
Judas Priest - Hellbent for Leather
Judas Priest - Sin After Sin
Judas Priest - Point of Entry
Judas Priest - Painkiller
Judas Priest - British Steel
Kansas - Best Of
Kansas - Point of Know Return
Mad Season - Above
Meatloaf - Bat Out of Hell
REO Speedwagon - The Hits
REO Speedwagon - Hi Infidelity
Simon & Garfunkel - Bridge Over Troubled Water
Bruce Springsteen - Greetings from Asbury Park N.J.
Bruce Springsteen - The Wild, the Innocent & the E Street Shuffle
Bruce Springsteen - Darkness on the Edge of Town
Bruce Springsteen - Nebraska
Bruce Springsteen - Tunnel of Love
The Miseducation Of Lauryn Hill by Lauryn Hill [Amazon.com] $1.40
Alice in Chains [Amazon.com] $.70
Alan Jackson Freight Train [Amazon.com] $1.40
Outkast Atliens [Amazon.com] $1.40
The Tom Lehrer Collection [Amazon.com] $2.10
Star Wars Episode I: The Phantom Menace - The Ultimate Edition by John Williams [Amazon.com] $2.60
El Divo Siempre [Amazon.com] $1.40
Ozzy Ozbourne Black Rain [Amazon.com] $1.40
Black Crowes Shake Your Money Maker [Amazon.com] $.70
Judas Priest Unleashed in the East [Amazon.com] $.70
Tod Stewart Still the Same [Amazon.com] $1.30
Lefty Frizell Look What Thoughts Will Do [Amazon.com] $2.60
Outkast Stankonia [Amazon.com] $1.30
Rod Stewart It Had To Be You [Amazon.com] $1.30
Outkast Aquemini [Amazon.com] $1.30
Outkast Speakerboxxx [Amazon.com] $2.60
Fugees the Score [Amazon.com] $.70
The Miseducation Of Lauryn Hill [Amazon.com] $1.40
Outkast Southernplayalisticadillacmuzik [Amazon.com] $1.30
A Tribe Called Quest The Low End Theory [Amazon.com] $1.30
A Tribe Called Quest Midnight Marauders [Amazon.com] $1.30
Wu Tang Clan Enter Wu-Tang [Amazon.com] $1.30
Raekwon Only Built 4 Cuban Linx [Amazon.com] $1.30
Mobb Deep Infamous [Amazon.com] $1.30
Nas It Was Written [Amazon.com] $.70
Nas Stillmatic [Amazon.com] $.70
Run D.M.C. Greatest Hits [Amazon.com] $1.30
Whodini Greatest Hits [Amazon.com] $1.30
Heatwave Always & Forever [Amazon.com] $.70
Deniece Williams Gonna Take a Miracle [Amazon.com] $.70
Beyonce Dangerously in Love [Amazon.com] $1.30
Beyonce I Am Sasha Fierce [Amazon.com] $1.30
Destiny's Child Writings on the Wall [Amazon.com] $.70
TLC Crazysexycool [Amazon.com] $.70
Waiting to Exhale Soundtrack [Amazon.com] $1.30
The Bodyguard Soundtrack [Amazon.com] $1.30
Dirty Dancing Soundtrack [Amazon.com] $.70
Sleepless in Seattle Soundtrack [Amazon.com] $.70
Forest Gump Soundtrack [Amazon.com]$2.60
Love Actually Soundtrack [Amazon.com] $1.30
Serendipity: Music from the Miramax Motion Picture [Amazon.com] $1.30
August Rush: Music From The Motion Picture [Amazon.com] $1.40
best buy 50 offer
didn't see this posted, sorry if it already was. Got an email from reward zone that says if you sign up by 2/12 and upgrade by the end of the year, they will give you A $50 gc. Looks like all carriers are eligible and also iphones. I'm eligible this month, so I'll probably try it right away.
Saw this in a flyer that was included in today's newspaper. Sam's Club is offering a $10 or $20 gift card to new members who register before Feb. 5. $20 Gift Card with Plus membership (Cost is $100)$10 Gift Card with Advantage Membership (Cost is $40) News Story that verifies the deal is valid
Stolen from SD:Element 55" Class 1080p 120hz LCD HDTV - Black For $499 + Extra 10% Off w/HDMI Cable Purchase @ Target - In Store Only YMMV
temporary price cutTV HERE$499.00
online price
reg. $699.99- save $200.99 l(29%)"Take 10% off by purchasing an HDMI cable of any TV
Coupon HERE
Cheapest HDMI cable that I saw was 6ft for $15 (at B&M)$499.99 - 10% = $450 (plus cost of HDMI) = $465If u use your RED CARD or CHECK CARD (gives 5% off any purchases every day)$465 - 5% ($23.25) = $441.75 + Tax where applicable (CA 8% so ~$477 out the door for 55" TV + HDMI cable)
So, a few years back I took advantage of a 0% balance transfer from Citi where the 0% does not expire. So it was 0% for the life of the transfer. These don't exist now, but they did a years ago. A year later, i did another balance transfer for 0% but it would expire in Dec 2011.About a year ago, I called Citi just to get some information about my account and I asked about those balance transfers. She did confirm, one was for the life of the transfer and the other would expire at the end of the year.

I checked my January 2012 statement, and now it shows both of the balance transfers incurring interest fees. I just called Citi and told them everything i Just typed above. The Indian guy claims there never were a 0% for life balance transfer and that he never heard such a thing. After repeating myself several times, he transferred me to the manager. The manager said the same thing that the transfers I took did have an expiration date, but he will have someone look into this and get back to me in a few days.So in the end...is Citi trying to screw me? I can't find the offer letter when i accepted this promotion, so I basically have no proof. Even though it was confirmed a year ago, and i wrote that down in my notes. Has this happened to anyone else?? and what can i do? thanks in advance for the help fellow FWers!
I landed a dream job and have been working there for 3 months. I'm very much new to the industry and role so I made some mistakes early on. The mistakes weren't anything terrible, I think it had more to do with not knowing answers to some questions as my manager likes to test people and he's one of the more difficult people to work with at the firm from what I hear. I think some bad mouthing got spread around by him behind closed doors to others and I feel neglected/ignored at work by him and others (this is my first time this happened to me btw). I tried to make it better but it seems hard to dig myself out of the hole and change the impression. Now I'm confused about what to do with my life. I thought this was the industry of my dreams and it still is but I'm doubting myself now. I am learning quite a lot (on my own) even though no one seems to want to teach me or get me involved and the pay is good. How can I even prove myself if no one gives me the time of day? Do I stick it out, keep my head down, try to learn what I can, or start my job search again after only 3 months?
The fit is obviously an issue right now and there's a feeling of constant paranoia at my job.
Hi,I think this one belongs to the Investment/Rental Property thread but I didn't know how to post in the thread. I didn't want to do a reply so I created a new post.This is my situation: February 2009, I helped my son purchase a condo so we are both owners of the property. Then he was sent to HongKong by his employer and he has been living there ever since.He has been paying the amortization, assn dues and maintenance of the property. When he left for HongKong in October 2009, I rented out the condo. Since I got laid off, he let me collect the rent. He continued to pay for the amortization which included the taxes. I was just responsible for the assn dues and maintenance.How do I declare this in my income tax return? I have another rental property that I declare in Schedule E. For that rental, I deduct the taxes, interest, assn. dues and maintenance.But for the property my son and I own, I don't pay for interest and taxes. It is my son who pays for it and I am sure he will itemize the interest and taxes in his tax return.Thanks.
I have been using a competor card shopping service which has worked fairly well. I decided to try ShopDiscover when ShopDiscover was a better added reward. My first ShopDiscover adventure was OfficeMax. I have received a notice by email about 10 days after purchase that went well.I decided to use ShopDiscover for a Groupon purchase at 15% ShopDiscover reward. Someone else posted a few days ago they received notice of ShopDiscover reward as expected. I beleive that person and I ordered within a day of the other's order. I received notice the purchase is about to be shipped.At what point should I call Discover and inquire about the success of my ShopDiscover purchase. I used a different browser (Chrome) to insure no cookies had any inpact on the order. I complied with the ShopDiscover process.Thanks in advance.
GROUPON @ Albertson's - Healthy Choice Meals (Up to 64% Off)Choose between the following options:
For $9, you get 5 Healthy Choice single-serving meals (up to a $21.95 value).
For $16, you get 10 Healthy Choice single-serving meals (up to a $43.90 value).Valid Meal Selections:
Cafe Steamers
Steaming Entrees
100% Natural Entrees
Select Entrees
Modern Classics
Traditional Classics This Groupon is valid at Alberstons locations in
Rock Springs and Jackson, WY
California
Nevada
Oregon
Washington
Idaho
Montana
North Dakota Expires Apr 30, 2012
Limit 1/person.
Not valid until 2/2/12.
Albertsons Preferred Savings Card sign-up required for non-cardholders.
Shipping address required. (why?)
Current cardholders must provide card # at checkout.
Must use promotional value in 1 visit.
GROUPON @ Albertson's - Healthy Choice Meals (Up to 64% Off)Choose between the following options:
For $9, you get 5 Healthy Choice single-serving meals (up to a $21.95 value).
For $16, you get 10 Healthy Choice single-serving meals (up to a $43.90 value).Valid Meal Selections:
Cafe Steamers
Steaming Entrees
100% Natural Entrees
Select Entrees
Modern Classics
Traditional Classics This Groupon is valid at Alberstons locations in
Rock Springs and Jackson, WY
California
Nevada
Oregon
Washington
Idaho
Montana
North Dakota Expires Apr 30, 2012
Limit 1/person.
Not valid until 2/2/12.
Albertsons Preferred Savings Card sign-up required for non-cardholders.
Shipping address required. (why?)
Current cardholders must provide card # at checkout.
Must use promotional value in 1 visit.
Home Depot B&M has Ridgid thickness planer replacement knives for $7.43 (was $29.97).Link to knives online.sku 358845
Home Depot B&M has the Char-Broil Patio Bistro Electric IR Grill for $79 (was $199).Link to grill online.sku 761958
For those of you with young kids like me, here's a link to the $5 Treasure Buddies that was just released today.http://www.disneymovierewards.go.com/promotions/special-offers/t...
Hi folks, was waiting for this one to clear up a bit before posting. Thanks to Jimmienoman at CAG for being first on this one. BB is doing a promotion for the upcoming Mass Effect 3 game, where you can get a $10 e-gift card for being a rewards zone member (free) or $20 e-gift card for being a rewards zone unlocked member ($14.99/year, but there is a promotion the week of 1/29 where you can get it for free with a used game purchase of 29.99 or more).This is a better deal if you are looking for the collector's edition, as there have not been any good sales on these items. Amazon is currently running a promotion for $10 off the regular editions if that is your cup of tea.From the BB Forums:Hello Gamers Club community,

I've got some exciting news on our newest pre-order bonus. Buy one game - a blockbuster no less - and get one bonus.

Pre-order Mass Effect 3, standard or collectors edition for PS3 or Xbox 360, and get a $10 e-gift card if you are enrolled in the Gamers Club. If you are an Unlocked member, it's a $20 e-gift card!


Pre-orders must be placed between 1/1/12 and 3/5/12 as the game releases 3/6/12. Purchases must be made by 3/13/12.


FAQ's
When will I receive my e-gift card?
The e-gift card will be automatically sent by 3/25/2012.

Is this an online-only offer?
No. Pre-orders can be placed and fulfilled either online or in-store.

I have a Reward Zone certificate and a gift card. Can I use them on the purchase?
Yes. Reward Zone Certificates or gift cards can be used when fulfilling this offer.

Is there a limit on this offer?
Yes. Limit one offer per member.

Where can I use my e-gift card?
The e-gift card can be used online at www.BestBuy.com or in a US Best Buy retail location.http://www.bestbuy.com/site/Games-Promotions/Mass+Effect+3+Offer...
Tresemme 2/$7, $2 UP wyb 2 Limit 2 B&SL'Oreal Skincare BOGO 50% off, $10 UP wyb $25 Limit 2
LOreal Save $1/1 standard size Paris skincare product ets exp: 3/18/2012 RP 1/22/12
LOreal Save $1/1 Studio Line styling product exp: 2/26/2012 RP 1/1/12
LOreal Save $2/1 Paris skincare product exp: 2/26/2012 RP 1/1/12
L'Oreal, any, $1 Print (register)
L'Oreal, Go 360, $1, Print (register)
L'Oreal Paris Skincare, $1/1 Print [redplum.com] 90210Colgate Optic White $3.99, $1.75 UP Limit 2 B&S
MQ in Sunday's paper
Colgate Optic White Toothpaste 4oz., $1/1, Print [redplum.com] *30301M&M's 2/$5, $1 UP wyb 2 Limit 4 B&S
MQ in Sunday's paperOlay Regenerist, Total Effects $20.99, $2 UP Limit 2 B&SCovergirl BOGO 50% off, $5 UP wyb $15 Limit 2 B&SRevlon Face or Eye 40% off, $2 UP wyb 2 Limit 2 B&S
-$3 Revlon PhotoReady Airbrush Mousse Makeup Jan VV-- EXPIRES 2/11!! Good for SoCal only
-$2 Revlon Colorstay 16 Hour Eye Shadow Quad Jan VV-- EXPIRES 2/11!!Neutrogena Skin Care, $5 UP wyb 3 Limit 2 (possible DD with monthly)
Neutrogena Save $1.50/1 skin care or hair care product excluding suncare, bar soap and facial moisturizing treatments exp: 3/31/2012 SS #2 1/8/12
Neutrogena Save $1/1 Hand or Body Lotion exp: 4/1/2012 SS 1/22/12
Neutrogena Save $1/1 lip or eye makeup product ets exp: 3/31/2012 SS #2 1/8/12
Neutrogena Save $1/1 makeup remover, lip or eye makeup exp: 1/31/2012 SS 12/4/2011
Neutrogena Save $2/1 face makeup exp: 1/31/2012 SS 12/4/2011
Neutrogena Save $2/1 face makeup product ets exp: 3/31/2012 SS #2 1/8/12
Neutrogena Save $2/1 facial moisturizing treatment ets exp: 3/31/2012 SS #2 1/8/12
Neutrogena Save $2/1 Hair Care product trial size and gift sets excluded exp: 4/1/2012 SS 1/22/12
Neutrogena Save $3/1 Microdermabrasion system exp: 3/4/2012 SS 12/4/2011
Neutrogena, Various, PrintAmerican Crew, Chi, Rusk, Sexy, $5 UP wyb $15 Limit 2Clairol Nice n Easy, Color Blend, Foam Hair Color $9.99, $2 UP wyb 2 Limit 2 B&S
$2 MQ in Sunday's paperPrilosec OTC 42ct $24.99, $5+UP Limit 3Cortizone*10 or Gold Bond Intensive Healing Cream or Lotion 1 - 1.25oz, Neosporin 1oz or Band-Aid Bandages 8 - 80 ct. $3+UP Limit 4
Band-Aid/Neosporin Save $1.50/both Neosporin AND Band-Aid products ets exp: 3/31/2012 SS #2 1/8/12
Gold Bond Ultimate Save $1/1 body lotion excludes 1oz exp: 3/31/2012 SS #1 1/1/12
Gold Bond Ultimate Healing Lotion or Hand Sanitizer, $1/1, Print
Band-Aid Bandages $1 off FB here [facebook.com]NyQuil, DayQuil or Vicks Sinex liquid 12oz. Twin Packs, Liquidgels 48ct $10.99, $2+UP Limit 3Aleve 200ct, Citracal Maximum 180ct or bone Density 120ct, Flintstones Vitamins 150ct. One a Day Vitamins 200ct or Phillips Probiotic 30ct 2/$30, $10+UP wyb 2 Limit 4 B&S
Citracal Save $2/1 product exp: 3/31/2012 SS #2 1/1/12
Flintstones Save $2/1 multivitamin product exp: 2/28/2012 SS #2 1/1/12
One A Day Save $2/1 12ct+ exp: 3/31/2012 SS #2 1/1/12
Aleve $1/1 20 ct or larger TP exp: 6/30/13
Citracal $1/1 any product TP exp: 12/31/12
One A Day $1/1 any Adult or Teen Multivitamin TP exp: 3/1/13
Aleve, 80 ct+, $2, Print and 80 ct+, $2/1, Print [allyou.com] *30033
One a Day Adult or Teen Multi Vitamins $1/1 Print [coupons.com] 19380Airborne 10-32ct $5.99, $1+UP Limit 4
Airborne Save $2/1 product exp: 4/1/2012 SS #1 1/8/12
Airborne Immune Support, $1.50 PrintMucinex or Mucinex DM $11.99, $2+UP Limit 4 B&S
-$1.50 off Mucinex DM January VV-- EXPIRES 2/11!!
Mucinex Maximum Strength Fast Max Liquid, $1, PrintThermacare Heat Wraps 2-3ct 2/$12, $4+UP (not sure if its on 1 or 2) Limit 4
Thermacare, 2ct+, $3 Print (register)Advil Tabs or Caplets 50ct, Liquidgels 40ct or PM 20ct $4.99, $1+UP Limit 4 B&S
Advil, Various, $1, Print Special K Protein Bar 6ct, Shakes 4ct or Powders 7ct BOGO 50% off, $1 UP wyb 2 Limit 4 Citracal assorted formulas, $5 UP Limit 1All Reading Glasses BOGO 50% off, $15 UP wyb 2 Limit 4 B&S
excludes PowerlineLichi, $5 UP Limit 2Extenze, Stamina RX, Libido Max BOGO 50% off, $3 UP wyb 2 Limit 1
$10 VVVicks Vaporizers, $10 UP wyb $40 Limit 2 B&S
-$5 off Vicks Vaporizers or Humidifiers Jan VV-- EXPIRES 2/11!!Prevacid 28ct, Benefiber 125 doses $19.99, $3 UP Limit 4 B&S
Benefiber Save $1/1 product exp: 2/25/2012 SS #1 1/8/12
Benefiber Save $5/2 products exp: 2/25/2012 SS #1 1/8/12
Benefiber/Gas-X/Prevacid 24HR/Maalox Advanced Save $3/2 products exp: 2/29/2012 SS #1 1/8/12Miralax $19.99, $3 UP Limit 4 B&SKotex 2/$7, $1 UP wyb 2 Limit 2 B&S
Kotex Save $1.50/2 Nature Balance Pads exp: 2/25/2012 SS 1/15/12
Kotex Save $1/1 U product ets exp: 2/25/2012 SS 1/15/12
Kotex Save $1/2 Natural Balance Liners 33ct+ exp: 2/25/2012 SS 1/15/12
Kotex Save $1/2 Natural Balance Tampons exp: 2/25/2012 SS 1/15/12
U By Kotex, any, $1/1 print [ubykotex.com] "get yours" lower rightOccufresh Eye Wash, Mini Eye Drops Therapy BOGO, $1 UP Limit 2 B&SReNu Multiplus, BioTrue, Boston Eye Care $9.99, $2 UP Limit 4 B&SAct Mouthrinse, $4 UP wyb 2 Limit 4 B&S
ACT Save $1/1 16.9oz+ bottle exp: 2/14/2012 SS 1/15/12Cetaphil 25% off, $2 UP wyb 2 Limit 2 B&S
Cetaphil, excl Bars, $2, Print (register)
Cetaphil, excl Bars $1, Print (FB)Clearsil PerfectaWash $17.99, $4 UP Limit 4 B&S
Clearasil perfectawash dispenser, $2/1, Print [coupons.com] 30033
Clearasil PerfectaWash Automatic Face Wash Dispenser and Refills $2/1 print [facebook.com] FBPNY 8 Gig SD or Flashdrive, $19.99, $3 UP B&SSharpie Fine Point $6.99, $3 UP Limit 4 B&S
**Monthly UP DD??7UP 2 L 4/$4, $1 UP wyb 4 Limit 4 B&SBurts Bees Lip, Facial and Skin, $5 UP wyb $15 Limit 2 B&S
$1.50/1 TPJohn Frieda Precision Foam $11.99, $2 UP Limit 2 B&SSamy's Fat Foam $8.99, $5 UP Limit 2 B&SPoise $12.99, $1 UP Limit 2 B&S
$2 MQ in Sunday's paper
Poise,$2 Print refreshes monthly or PrintGillette $10 UP wyb $30 Limit 2
MQ in Sunday's paperCrest TP, 3D White Rinse, Oral B Crossaction, Floss or Floss Picks $2.99, $1 UP Limit 2 B&SSecret APDO or Body Spray $3.99, $1 UP Limit 2 B&S
$1 MQ in Sunday's paperPlaytex Baby Care, $5 UP wyb $15 Limit 4
Playtex Infant, any $1/1Print [facebook.com] FBLuvs Family Pack $16.99, $2 UP Limit 4RA Baby Bath & Skin Care, Cotton Swabs or Baby Wipes 2/$5, $1 UP wyb 2 Limit 4RA Renewal Men's 3 or 5 Razor or Refill, Women's 5 Razor or Refill 2/$11, $2 UP wyb 2 Limit 4Scott 1000 Sheet 20 pack $16.99, $3 UP Limit 2
Scott Save $1/2 packages of 1000 Tissue 8-pack+ exp: 2/26/2012 SS 1/15/12
Scott, various, PrintLysol Clean-Flip Sweeper Starter Kit $8.49, $4 UP Limit 2
Lysol Various, Print Fuji One Time Use Camera $7.99, $3 UP Limit 2 B&SPepperidge Farm Cookies $2.99, $1 UP Limit 2
Pepperidge Farm Cookies, $1/2 Print Stride Gum $3/3, $1 UP wyb 2 Limit 6 B&S
$1/3 MQ in Sunday's paperHuggies Jumbo Pack, Pull-Ups or Goodnights $9.99, $1 UP Limit 2 B&S
MQ in Sunday's paperTampax Pearl 36-40ct , Always Infinity 28-36ct, Maxi 38-48ct, Pantiliners 162ct $7.49, $1.50 UP Limit 3 B&S

Centrum or Caltrate, $20 UP wyb $50 Limit 1 B&S
Centrum Save $1/1 Centrum or Centrum specialist multivitamin exp: 2/29/2012 SS 12/11/11
Centrum Save $3/1 Centrum or Centrum Specialist multivitamin exp: 2/26/2012 RP 1/1/12
Centrum Save $5/1 ProNutrients exp: 2/26/2012 RP 1/1/12
Centrum Specialist Vision, $5/1, Print [coupons.com], 85710
Centrum or Centrum Specialist Multivitamin, $3/1 Print [redplum.com] 90210
Centrum or Centrum Ultra, $3, Print
Centrum ProNutrients Supplement, $3/1, Print [wyethcoupons.com]
Centrum Vitamins ,Various, PrintMost Centrum above ALSO QUALIFIES FOR THE $10MIR from PFIZER in Red Plum on 1/29 insert
Gillette Proglide Styler $19.99, $5 UP Limit 2Cold Eeze 18 ct $3.99, $3 UP limit 1Coke and Coke Products 3/$12.99, $1 UP Limit 2
$0.50 off One Coke 12pk, One Coke 6pk or Two Coke 2L Jan VV-- EXPIRES 2/11!!Hershey's Pot of Gold $3.99, $2 UP Limit 4
$1/2 mq TP
$1/1 RAQ here [rebateplus.com]
thx munchkin77-sd
I was in Lowes of Newark DE and they had the 5 watt SunForce solar charger on clearance for $28.18 (reg price is $46.xx)I looked online at other stores in my area, and they are all showing regular price, which is why i have this listed as a huge YMMV, but might be worth keeping an eye on if it's something you are interested in. You aren't going to run your house on these, but they are great for hanging in the window of your shed and keeping your riding mower's battery ready to go. Also great to keep hooked up to your boat battery so it's ready to go when you are. good luck
Make $2 per can! Sells for $3.99, there are peelies on them for $2 off and they are producing $4 ECBs! It's a $2 money maker per can! Limit is 100. Get these today, before CVS decides to make a change. This deal is good on any can variety of Skintimate (I didn't try the plastic bottle creme shave products).I found the peelies on cans that were on a special display at the front of the store on an endcap. Schick Hydro shave cream also have the same deal - although it was $4.19 at my store. They also had the peelies.If they are out of stock and have the tag on the shelf - GET A RAINCHECK! CVS rainchecks have no expiration.
Craving OCharleys? Through February 9, 2012, you can save a bit, thanks this from their email update. Download & print this coupon to save $5 on a $20 minimum food purchase.http://www.ocharleys.com/eclub/webversion/Coupon_OCRThankYou.htm...And if you sign up for OCharleys e-club, youll get an extra offer (mine was for a free appetizer with entree purchase).http://www.ocharleys.com/eclub/
Hey FW'ers,I was browsing my local Target Store and noticed that there Philips Sound Bar's were located at the end of the isle, marked down from $179.00 to $89.00+TAX.These feature Dolby Virtual Sound, HDMI hub, USB audio playback, SUB and a bunch of brackets & acc's to mount to the wall. Not in the same class as the Yamaha sound projector but imho Philips can actually turn out some decent sounding audio gear when they put there mind to it. Huge improvement over my LCD TV's speakers...if you can call them speakers.Around $150 odd on eBay & Amazon, best price I could find for these. BB had em for $99 at the end of last year.R
The Amazon MP3 Store offers downloads of Candy Dulfer Crazy MP3 Album for $3.99. It's a 15-track, DRM-free Jazz album, which was released today. It comes with a digital booklet. (iTunes charges $8.99.) Amazon MP3 Downloader is required.
LINK
Classic doublet style Sterling silver freshwater pearl necklace @ $17.17 FS with primewas $57.99eligible for FREE Super Saver Shipping on orders over $25
OR
Free shipping with primehttp://www.amazon.com/Classic-doublet-style-triple-freshwater-ch...A classic triple strand necklace with a barrel-style clasp featuring doublets of white freshwater pearls with rich, chocolate-brown colored faceted glass beads on Sterling silver chain links
I am going through my first refinance and I want to check with the experts here on this.My original mortgage was with HSBC. I am currently going through a refinance with Wells Fargo, It's a no point no fee deal and the only money I paid to Wlls so far was $695 for appraisal and credit report. The application had been approved and they are waiting for funding of the loan. So far I had signed an application and a general loan disclosure form confirming the rate. I haven't signed any closing docs yet.HSBC just came back to me and offered me 1/8 point lower than Wells for me to keep the loan. I am thinking about walking away from Wells and go back to HSBC. For obvious reasons I do not want to check with the Wells Fargo loan officer about the consequences of walking away at this point, so I'd like to get some advice here.I know I will lose whatever had been paid to Wells ($695 so far). Generally am I at risk for anything else?Thanks!
WEll sams club and the the B@H are sold out... I found this one with a better sale point and 2%Cash Back
The UX31E-DH72 Zenbook 13.3" Notebook Computer from ASUS takes portability to the next level. With a super slim profile of two-thirds of an inch, a weight of less than 3 pounds and 7 hours of battery life, this ASUS notebook was built for ultimate mobility. While thin and lightweight, this ASUS notebook is far from fragile. It has a spun aluminum lid to match its champagne hairline chassis for a solid build and stylish design.The system is powered by a 1.80GHz Intel Core i7-2677M processor. It also has 4GB of DDR3 RAM, a 256GB solid state drive, 802.11b/g/n Wi-Fi and Bluetooth 4.0 technology. This ASUS notebook also features USB 3.0, which is ten times faster than USB 2.0. It allows you to use the latest external storage device devices that support the USB 3.0 protocol, without having to add an expansion card. Windows 7 Home Premium (64-bit) is the installed
operating system.adorama2% cash
hello, Due to a job loss a few years ago, I dug myself a pretty good hole with my CC's.I was thinking of applying for a debt consolidation loan now that I am employed full time. Any advice on where I should look for one? My credit is great (760+ last I looked). I bank at BoAThanks - Tripp
Normally I wouldn't post this, but the sum involved compels me to make sure that no one misses this if they were entitled to it.I just received a check today for Marenco vs Visa class action settlement, for $1485.50. This is in CA. According to the terms of the settlement, CA residents receive 5x more than residents in other states affected. http://www.callrecordingsettlement.comThe deadline to join the class was last October, and if I remember correctly had to be faxed or scanned and emailed (rather than just a webform). It was regarding calls to Visa customer service that were recorded without permission.The check came in a plain, rather thin envelope with Marenco vs Visa Inc as the sender. According to the information on the class action website, checks were mailed out Jan 27.Very pleasantly surprised today! Hope others find this in their mailboxes too!
Ok so this is what I found ... If you made a Wag.com account most likely with their 1/2 purchase then Soap.com has a great deal. Use the code SHOPSOAP10And it will get you 10 dollars off a 10 dollars purchase... there are also a good amount of clipper coupons you can add to the deal. Somehow mine got free shipping with the deal too, not sure if that was from the coupon code or what... here is what I puchased for about 2.50 shipped. Neosporin Neosporin Plus Pain Relief Antibiotic Cream, Maximum Strength-.5oz
1
$0.58 K-Y Personal Lubricant Jelly
K-Y K-Y Personal Lubricant Jelly
1
$0.20 Band-Aid Comfort-Flex Adhesive Bandages, Sheer
Band-Aid Band-Aid Comfort-Flex Adhesive Bandages, Sheer
Color: Sheer
1
$0.19 Clean & Clear Deep Cleaning Face Astringent
Clean & Clear Clean & Clear Deep Cleaning Face Astringent
1
$0.37 Red Cross First Aid Sterile Rolled Guaze, 3"
Red Cross Red Cross First Aid Sterile Rolled Guaze, 3"
1
$0.09 Olay Ultra Moisture Bar Soap with Shea Butter
Olay Olay Ultra Moisture Bar Soap with Shea Butter
1
$0.12 Vicks Cough Relief VapoDrops, Menthol
Vicks Vicks Cough Relief VapoDrops, Menthol
1
$0.06 Old Spice High Endurance Deodorant, Pure Sport
Old Spice Old Spice High Endurance Deodorant, Pure Sport
2
$1.02Make sure to use the coupons that are manufacture coupons... GL
Got this kit for $199 at West Seattle Home Depot. Two batteries alone are around $160 at Amazon, so this deal is smokin hot if you were in the market for a couple new batteries like I was. These are the good 3.0AH ones. They were on a shelf at the front of the store by the tools section with a white "$199 - was $299" sticker. One left when I got mine. Not sure if I got the exact kit as I don't remember seeing the drill handle in mine but everything else is there. I've used both tools and they are usual makita high standard stuff.http://www.homedepot.com/Tools-Hardware-Power-Tools-Combo-Kits/M...
This was linked to awhile back, but it looks like it is being offered again by Subway and The Biggest Loser. Follow the link to get 6 free songs in a workout mix.http://subway.workoutmusic.com/Enjoy!
Hello FWers. My wife's uncle recently passed away after suffering a broken hip, arm, and separated shoulder stemming from a fall in my MIL's house. He was very frail at the time of the accident which is why it took such a toll on him. He was handicapped and lived in the house with my wife's parents. He died about a week after the fall and the death was ruled an accident due to the fall. I'm sure there is some differences with each policy, but I am hoping that policies are generic enough that you guys might be able to give me some help. My question is simply can my MIL file a claim with the insurance company for accidental death? The agent is coming out Friday to talk to them and his preliminary statement is that they can't file a claim because they would, in essence, be suing themselves. I will call her tomorrow and get more information on her policy if required. I am woefully ignorant in this area of personal finance so I thank you all for your insight!
Edit: It was $9.99 AR earlier today. Now it's $14.99.Linksys E1200 Wireless-N Router - up to 300 Mbps, 4x Ports, Wireless-N, RecertifiedLinkFS if you're spending over $50, otherwise it'll cost you a little bit. Fast Ethernet only (i.e., not gigabit). Seems like a great deal for a back-up router, but it does not appear to be DD-WRT compatible (yet). Search the DD-WRT forum for more details.Description:Linksys E1200 Wireless-N RouterWith the Linksys E1200 Wireless-N Router, Easily connect more entertainment and office devices to your home network and enjoy Gigabit speeds. The Linksys E1200 offers fast speed to connect your computers, wireless printers and other Wi-Fi devices at transfer rates up to 300 Mbps speed. Built with leading 802.11n wireless technology, the Linksys E1200 offers reliable range to create a powerful wireless network. MIMO antenna technology provides broad coverage so you can enjoy your wireless network from anywhere in your home. Purchase the Linksys E1200 Wireless-N Router today. Wireless-N (2.4 GHz)
Fast Ethernet 4-port switch
High speed up to 300 Mbps
My girlfriend and I have been shopping around for a deal on this particular pair of Samsung Washer and Dryer for about 6 months. We almost bit at $749 this Christmas at Best Buy but I am happy we held off. Last night I came across a deal on SD posted by Slimcubby.
Fry's has a pair of similar model Samsung Washer and Dryer in White for $579.99 and $629.99. The closest Fry's was 83miles away so I knew I might have a tough time getting a price match at Lowe's or Sears, but I gave it a shot. After speaking to the sales guy at Lowe's, he agreed to match the price and gave an additional 10% off + free delivery. Here is the product info from the Lowe's website:http://www.lowes.com/pd_327001-149-DV330AEB_0__?catalogId=10051&...http://www.lowes.com/ProductDisplay?partNumber=327000-149-WF330A...
Was at Home Depot this afternoon and found Bosch "Fine Cut" flush cutting saw on sale from $109 down to $65.06
Please be kind to me as this is my second post. home depot itemSKU is 558-831
Enjoy!http://itunes.apple.com/us/app/mystery-mania/id329205068?mt=8#Description**DAILY DEAL! Mystery Mania is FREE today!!** See all of our EA DAILY DEALS at eamobile.com/dailydeals. New Play, Every Day!SOLVE THE MYSTERIES OF THE MANSION! Our award-winning point-and-click adventure is now freshly designed for iPhone and iPod touch.
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Guide confused robot F8 through a bizarre mansion full of unsolved riddles. Solve the puzzles and piece together the story of why F8 was invented.SOLVE MULTIPLE MULTIFACETED PUZZLES
Explore 27 rooms full of crazy conundrums, perilous traps, and intriguing secrets. Plus, meet curiously quirky characters including F8s inventor.USE YOUR WITS AND EARN REWARDS
Outsmart man-eating plants. Guzzle strange potions. Build ingenious contraptions. Crack open F8s story and earn achievements.OOPS! WHAT HAVE WE HERE?
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The tax benefit of selling a short sale or foreclosure before 2013 is that you are NOT liable for the taxes on the debt that was waived by the lender !! Ex. You owe $100,000 on the property, but can only sell for $80,000 (short sale or foreclosure). Normally, you would get a 1099 form for the tax year showing you had "income" of $20,000 which was the credit the lender gave you by letting you short sale for less than you owed. You have to pay the taxes on that $20,000 "income".But for 2012 you do NOT get a 1099 for that $20,000 "income" , so you don't pay taxes on it.Starting Jan, 1, 2013, the old rules apply and you will get a 1099 and you will owe taxes on it !!Congress is not evening coming close to discussing extending that tax benefit. If you are thinking of short selling, this is the year to do it if that rule is not extended !!Link to a local news article
American Iso Protein (5 lb) $26.79
http://www.nutraplanet.com/produc...dium=email
Great deal on Iso Protein. I ordered from these guys before and was happy with their other products and quick shipping.
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $1 Coupon
add '2- Pack Caress Body Wash 18-Ounce' to cart for $7.94
15% Off w/Subscribe & Save
$1 off Coupon
$5.75
Free Shippinghttp://www.amazon.com/dp/B004DBU9QW/
This was linked to awhile back, but it looks like it is being offered again by Subway and The Biggest Loser. Follow the link to get 6 free songs in a workout mix, including Cee Lo Green, Nelly, Black Eyed Peas, Ke$ha, Usher, and Rihanna.http://subway.workoutmusic.com/Enjoy!
Potential monetary windfall when the actual charges for some items turn out to be higher than the Good Faith Estimate dollar figure given by the lender. The LENDER is obligated to give monetary credit to the BORROWER (not seller) for such mistakes (even if the cost of the item may be paid for by the seller !!). It happened to us when the GFE had a sales tax amount way too low, which is paid for by the seller. We calculated the sales tax easily by finding the property sales tax rate for our city and applied it to the purchase price. But at closing the actual sales tax amount was thousands of dollars more than the estimate figure. The lender then credited us (the borrower) those thousands of dollars so that we had the windfall (not the seller!!). Beware, the rules (see below) state the credit can be at closing or within 30-days from closing. If you don't watch for it, they may not give it to you at closing and hope you forget about it during the next 30 days. So, GFE from different lenders ARE IMPORTANT !!Likewise, if the lender selects the title insurance company, then there is a similar "tolerance" they must adhere to. BUT you will get a better savings if you buy your title insurance directly from a place like Entitle Direct because they sell directly w/o any agent commissions to jack up the premiums.Similarly, get your own escrow company instead of the one referred to by your lender which, again, will charge more than you can arrange independently with a little planning and price shopping.Exerpt from the RESPA rules:
Tolerances on Settlement Costs(3500.7(e) and (i))The RESPA Reform Rule established tolerancesor limits on the amount actual settlement chargescan vary at closing from the amounts stated on theGFE. The rule established three categories ofsettlement charges and each category has differenttolerances. If, at settlement, the chargesexceed the charges listed on the GFE by more thanthe permitted tolerances, the loan originator maycure the tolerance violation by reimbursing to theborrower the amount by which the tolerance wasexceeded, at settlement or within 30 calendar daysafter settlement.Tolerance Categories Zero tolerance category. This category of fees issubject to a zero tolerance standard. The feesestimated on the GFE may not be exceeded atclosing. These fees include: the loan originators own origination charge,including processing and underwriting fees; the credit or charge for the interest rate chosen(i.e., yield spread premium or discount points)while the interest rate is locked; the adjusted origination charge while theinterest rate is locked; and state/local property transfer taxes. Ten percent tolerance category. For this categoryof fees, while each individual fee may increase orReal Estate Settlement Procedures ActConsumer Compliance Handbook RESPA 5 (6/10)decrease, the sum of the charges at settlementmay not be greater than 10 percent above thesum of the amounts included on the GFE. Thiscategory includes fees for: loan originator required settlement services,where the loan originator selects the third-partysettlement service provider; loan originator required services, title services,required title insurance and owners title insurancewhen the borrower selects a third-partyprovider identified by the loan originator; and government recording charges. No tolerance category. The final category of feesis not subject to any tolerance restriction. Theamounts charged for the following settlementservices, included on the GFE, can change atsettlement: loan originator required services, where theborrower selects his or her own third-partyprovider; title services, lenders title insurance andowners title insurance, where the borrowerselects his or her own provider; initial escrow deposit; daily interest charges; and homeowners insurance.
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $2 Coupon
add 'Downy Unstopables' to cart for $6.97
5% Off w/Subscribe & Save
$2 off Coupon
$4.62
Free Shipping
http://www.amazon.com/dp/B0052456US/
This is for the actual live show - not the movie. This is on preorder (release date Feb 7) at Amazon US for 24.95:
Phantom of the opera - Amazon USCurrently being shipped from Amazon UK:
Phantom of the opera - Amazon UKThis was my order total:
Order Total: GBP 8.91
(Payment Total: USD 14.53**)Generally shipping by Royal Mail takes about a week. Longer if other carrier is used.
here is the link to the diapers that have the $2 off coupon
http://www.amazon.com/gp/feature.html/ref=pe_169890_22444140_pe_...For me I got Huggies Little Snugglers Diapers (168 count)
Origional Price $39.21
5% Amazon mom = $32.66 ($0.19 per diaper)
Subscribe and save = $26.13 ($0.16 per diaper)Clip this coupon at bottom ($2) - discount at checkoutTotal for me was $24.13 (~0.14 per diaper)
Freshwater pearl necklace and bracelet set $21.46 shippedadditional 15% discount @ checkoutwas $62.99http://www.divinejewelry.com/Freshwater-necklace-bracelet-featur...
This is a new sample Just 6.
http://nutrish.rachaelray.com/switchto/just6The other sample was,
Free Sample Pack Of Rachael Ray Nutrish Dog Food
http://www.fullofdeals.com/forums/free-stuff/1160622/
Hey guys,I'm over 50 and taking advantage of the additional catch up allowance for 401K's at work. I'm putting in about 21K/year now and getting the traditional 50% match on first 6K.I was out and about listening to a local talk radio station on Saturday, and the finance guy (who paid for the time on the show, btw) was touting that people should only fund their 401ks with the minimum necessary to get the full company match. That would be 6K, in my case. He says the rest of your retirement investing should then be in a Roth IRA and then self-directed tax-free instruments. He mentioned certain "insurance"-type vehicles to get there, but I'm not sure if he meant annuities or whatever. (Note: I'm also fully-funding a Roth IRA each year).Aside from the fact that there's the obvious discipline factor at work here, where you'd have more take home pay each week and need to be good about reallocating it to investments, what do you guys think of his strategy? Sorry that I can't be more clear about exactly what instruments he's referring to. He wants to make money on advising clients and who knows -- might get some commission cut out of stuff he gets people to buy, I don't know. But his main case is that 401k's are tax-deferred, and that's going to cost you at distribution time. My thought is that my tax rate should be lower when I retire and not higher, hence the better play is to keep financing 401K to the max now tax-deferred. Of course, it goes without saying that self-directed investments have almost infinite choices and 401K vehicles have whatever the plan offers in the way of mutual funds/bonds.Here's the dude's bio who's touting the fund-to-the-match-only policy: http://www.wor710.com/pages/11587639.php
Since 2009, my wife and I are working through paying a six-figure credit card debt down and have been making good progress. I will say at the start that this was 1.) to finance an extensive home renovation, and 2.) something I have learned a huge lesson from and will never do again.Last year, I cashed-out my 401k and took the entire balance (roughly $60k) to pay down CC debt. No tax was withheld. Also in 2011, we tweaked our withholding on our paychecks to extract more cash up front.I started entering tax info this year, and now we are faced with a $23k tax bill, plus we will have to start making $6k quarterly estimated tax payments. (Never have had to pay estimated tax in the past). This puts in direct conflict with our plans to pay down our credit card debt. (CC debt is all at 0% right now, spread among a dozen or so cards.) From researching, it seems you can work out a payment plan with the IRS if you cannot pay the tax due, however most sources say to try to avoid this at all costs, and to get a loan, put it on a credit card, or borrow money from family, friends, etc. if you can. Also, how do I move forward with these huge estimated tax payments?I have to think that we are in a similar situation as someone who wins a small lottery jackpot...giving them a huge tax bill one year and forcing them into estimated tax payments for the next year.One immediate thought is to:
1. Get on an IRS payment plan for the 2011 tax bill (do not put anything more on the credit cards)
2. Make the min payments on the credit cards
3. Try to pay the estimated taxes timely (vs taking any extra cash and paying down CC debt)
4. Try and keep the 0% APRs going via BTs until NEXT Jan/February
5. Once I file my 2012 return in Jan/Feb 2013, I'll be able to use the sizable refund to pay off the CC debts.Any thoughts or help?
LinkedI was in the market for a switch and came across this deal. This is not a Gigabit switch. 10/100 Mbps$19.99
-$10 Rebate
=$9.99Simple as that!Looking forward to your comments
Government Jobs in America: [2012] Jobs in U.S. States & Cities and U.S. Federal Agencies with Job Titles, Salaries & Pension Estimates - Why You Want One, What Jobs Are Available, How to Get One [Kindle eBook]Kindle Price: $0.00
You Save: $4.99 (100%)Product Description
"Tell me how to get a State, City or U.S. Federal job. Why are government jobs so desirable? What jobs are available? Tell me what today's government jobs are like. What are the salaries? What are the pensions? How do I complete the application and hiring process?"This book covers all aspects of getting secure, high-paying government employment. It covers getting work in U.S. State, City, and Federal government agencies and departments."What Jobs are Available," shows job titles in U.S. States, Cities and U.S. Federal government agencies, including salaries, 5-year salary projections, and pension estimates. This presentation, in Chart form, permits the jobseeker to see the scope of government jobs. With the financial facts, the jobseeker can see why a government career makes sound financial sense. By seeing the range of job titles and salaries within individual States and Cities, and in U.S. Federal government, you can plan your job title approach, and estimate your career path. The reader will learn about jobs for people with disabilities, Veteran's preference, and corporate and mail processing jobs with the U.S. Postal Service.The section "The New Face of Government," shows why 21st Century government work is desirable. Technology in government has changed processes, eliminating many jobs, and creating a new class of employees with a higher class of salaries. You will learn about the Civil Service, public unionism for jobs, and the government job package, including benefits such as regular raises, employer repayment of Federal student loans, special training programs, and lifelong employer-paid pensions."Completing the Application and Hiring Process" provides a step-by-step guide to, obtaining an application, and preparing the resume or experience and education Knowledge-Skills-Abilities statement. It explains what happens after you respond to the job announcement or file to take an exam to be on a list for a job. You will learn about the resume review process, the test procedure if it applies, and the interview procedure. You will learn where to get an application and how to file."New Areas of Work" covers the new employment and career opportunities available in Information Technology, Homeland Security, and Environmental Protection. Jobs in these areas cut across many government agencies and departments. An up-to-date chart with "Information Technology Job Titles & Skill Sets" presents an array of specialties and skill sets, useful to put on a resume, in preparing an application for one of the many technical or non-technical jobs offered in IT.A "Model Knowledge-Skills-Abilities Statement" shows you how to prepare a KSA Statement in response to a job announcement. Charts show Salaries, 5-Year Salary Projections, and Pension Estimates for all job titles in U.S. Federal government, and for job titles in U.S. States and Cities. The Salaries, 5-year Salary Projections, and Pension Estimates are based on current published salaries, with 5-year raise averages, and published retirement system formulas.Government Keeps Hiring As Demand Grows. Career & Hiring Choices for Employer & Employee Expand. A New Workforce Model Presents Opportunities for Part-Time, Contracting, & High-Paid In-House Expertise. Jobs with Government Are Lively Stable, Secure, and Well-Paid. Jobs Are Available in Federal, State and City Government. Jobs Are Changing in Nature - More Managing. Experience Is an Acceptable Substitute for Education. Core Skills Include Business-Process Understanding - Critical Thinking - Communication. Government is Attracting & Retaining Experienced Workers. The Climate is Favorable for Entry Level & Experienced. Lucrative Jobs. Technical & `Non-Technical' Jobs Are Available.Product Details
Format: Kindle Edition
File Size: 375 KB
Publisher: Partnerships for Community (January 1, 2011)
Sold by: Amazon Digital Services
Language: English
ASIN: B004KAAZ3I
Text-to-Speech: Enabled
Lending: Enabled
8 customer reviews, most of them 5 out of 5 stars.Linky
While I was in Home Depot picking up the B1G1 tropical, an associate said they are going to have a B1G1 on Shrubs in April. Be sure to sign up for their garden club - http://www.homedepotgardenclub.com/us/en
I was just talking to one of our church friends today and I mentioned that I didn't understand how a certain family can afford to take so many vacations every year.He mentioned this family does home schooling (in CA), and gets paid to do it (for their own children!) by the state.Can this really be true? How can I find out how to do this?
I'm planning to go to Hong Kong for a few days and was trying to find a hotel that's cheap. So far, most of them cost about 100 US per night. I'm going with some 5 other friends so we might need at least 2 to 3 rooms for 3 nights. I wanted to see if anyone have any insight they can help me. Thanks in advance.
We needed another car seat and we've had good luck with our Britax Marathon so I sent my husband to SuperTarget today to get one for his car. They are on sale for $150.00. I checked his receipt when he came home and he paid $124.99 and it said Britax Roundabout. I wasn't too happy, assuming he had gotten the wrong carseat. I went out to the garage and it is the Marathon; for some reason it rang up as the Roundabout.$124.99 is a great price on a Marathon if anyone else is looking for a carseat. This was at the SuperTarget in Wesley Chapel, FL.
Okay, this deal might not last for awhile and may get pulled by ProFlowers or maybe not if they like the volume.I have used ProFlowers for many years. If there was ever a problem, you can get the flowers replaced when calling. Sometimes, it is 'too late' for date specific issues like Valentine's Day, but that is the nature of these businesses.You cannot get any CashBack on this deal either. If you play tricky and try to use a FW CashBack link, the $10 coupon will likely disappear.If you use the $10 coupon, you will likely not get a free vase no matter what the site header banner might says. When you get to the final checkout with the $10 off, the free vase will likely be charged for and you will have to start over with no vase in order to remove it.This deal is for One Dozen Red Roses + 12 FREE (product code #40901) and requires two steps.UPDATE: RADa5SAURUS was able to tinker with the URL to combine both the "hidden" product and the ENT discount. This one link should bring you to a shopping cart/order review subtotal of $19.99 (before shipping/add-ons/vase/tax). Remember, ignore free vase banner.http://products.proflowers.com/roses/One-Dozen-Red-Roses--12-FRE...If the link above does not easily work for you, you can try the two-step method below.First, here is the link for the roses (no referral code in the link I posted, FW might add their referral part): http://products.proflowers.com/roses/One-Dozen-Red-Roses--12-FRE...I recommend skipping the vase. Even if it was free, the shipping add-on likely covers the cost of the 'free' vase.If you want to specify either Feb 13 or Feb 14 directly, you are charged an extra $4.99 on top of the $9.99 standard delivery charge. If you have to have it on Tuesday, Feb 14th, so be it, but instead I recommend clicking the Flexible Delivery bar on the graphic calendar and then clicking "Click Here" for Delivery on Feb 13 OR Feb 14 at our standard rates. FedEx or UPS are not charging more to ProFlowers for either date, so it will just depend on where the delivery is going and will allow ProFlowers to use 2-day delivery method at a lower cost if needed.You add it to the cart.Next, type this link into your browser into another tab: http://proflowers.com/ENT (copy/paste - do not CLICK) (this is the Entertainment Book discount, no book needed. It requires $29 purchase for $10 off. Again, even if there is a free vase banner header, it will not be free.)Click to View Cart (with 1 item) in the top center of the page and you should see Subtotal (after discount): $19.99.Proceed through the rest of the pages of Checkout. Don't forget to check the address and ensure your card message is well written! I would skip the add-ons (chocolate/toys) and buy them somewhere, but if you need to ship them, so be it.There is a $2.99 handling charge with the $9.99 delivery charge (and additional $4.99 if you did not select Flexible). Tax in some states too.If you need to order multiple flowers, do each one separately, there is no quantity discount on the flowers or shipping anyway. So, you can get the $10 coupon off each separate order (it is allowed per the fine print). You also cannot search for this particular bundle via the ENT site, it does not come up, so this is why you have to use two Proflower sessions to combine the discounts (which also removes any free vase option).RasheedUPDATE 2: If you really want a vase, here is a deal that gets you the same flowers with a $5 premium RED RUBY VASE ($24.99 after coupon but before S&H/tax charges). This saves you $4.99 off the regular price of the RED RUBY vase. This link "combines" the ENT and discounted flowers into one link.http://products.proflowers.com/flowers/Two-Dozen-Red-Roses-with-...
Virgin Mobile - LG Optimus V No-Contract Mobile Smart Phone $99; Plus Get $50 Best Buy Gift Card With In Store Activationhttp://www.bestbuy.com/site/searchpage.jsp;jsessionid=2792CB8342...Nice offer if you've been waiting to get in on the Virgin Mobile $35 unlimited text/data and 300 anytime minutes.
The $50 GC is with an in-store activation. Goes from 1-29 thru 2-4. Offer is on the back page of today's (Sunday's) Best Buy ad. Tip from Buckeyefan 1
Look It's in the back page, page 32 of the ad, next to a $499 Toshiba i3 laptop and $229 Westinghouse 32" LED HDTV. Tip from Taternuts,
When I picked up this deal last year, "in-store activation" simply meant telling the clerk what plan I was going to eventually sign up for. It should be the same this time around...then again, that $50 GC turned out to be an instant $50 off the phone instead, so it was a bit sweeter than this. Buckeyefan 1 / op / sd
Texthttp://www.macys.com
Carlisle 7 Piece Embroidered Comforter SetsSpecial Savings
Reg. $200.00 - 240.00
Was $99.99
Your Choice $59.99 
LIMITED-TIME SPECIAL!
   Delaney 7 Piece Comforter SetsSpecial Savings
Reg. $200.00 - 240.00
Was $99.99
Your Choice $59.99 
LIMITED-TIME SPECIAL!
   Essex 7 Piece Jacquard Comforter SetSpecial Savings
Reg. $200.00
Was $79.99
Your Choice $59.99 
LIMITED-TIME SPECIAL!
   Spicy Ombre 7 Piece Jacquard Comforter SetsSpecial Savings
Reg. $200.00
Was $79.99
Your Choice $59.99 
LIMITED-TIME SPECIAL
Northgate 7 Piece Embroidered Comforter SetsSpecial Savings
Reg. $200.00 - 240.00
Was $99.99
Your Choice $59.99 
LIMITED-TIME SPECIAL! 
   Adelacia 7 Piece Embroidered Comforter SetSpecial Savings
Reg. $200.00 - 240.00
Was $99.99
Your Choice $59.99 
LIMITED-TIME SPECIAL! 
   Celina 7 Piece Jacquard Comforter SetsSpecial Savings
Reg. $200.00
Was $79.99
Your Choice $59.99 
Santorini 7 Piece Embroidered Queen Comforter SetSpecial Savings
Reg. $200.00
Was $99.99
Sale $59.99 
LIMITED-TIME SPECIAL!(5)
   Cyrano 7 Piece Embroidered Comforter SetsSpecial Savings
Reg. $200.00 - 240.00
Was $99.99
Your Choice $59.99 
LIMITED-TIME SPECIAL! 
   Norwood 8 Piece Reversible Bedding EnsembleSpecial Savings
Reg. $100.00
Was $59.99
Your Choice $39.99 
LIMITED-TIME SPECIAL!
   Floating Flowers 8 Piece Comforter SetsSpecial Savings
Reg. $200.00 - 250.00
Was $99.99 - 129.99
Your Choice $79.99
There's an appliance clearance going on at my local Home Depot, I picked up a Magic Chef 3.6 cu ft refrigerator --- Normal Price $139, had been marked down to $98, now they have additional 30% off so final price was $68.60.Here's the link for the product, my local stores show out of stock so definitely YMMV. There were two more plus a display unit at the South Lebanon, OH store this afternoon.Magic Chef MCBR360HW (SKU 536-953)I've seen the same unit at Menard's for $139 so this is a pretty good deal if you can find one. Be aware the refrigerator still rang up at $98, the cashier had to punch in the additional reduction.
Tag Horizon 4-Piece Spinner Luggage Set
Web ID: 576920

Reg. $240.00
Was $119.99
Sale $79.99 Spin into control! The superior performance of spinner mobility gives you 360 movement that follows your every move, so all the twists and turns of travel are taken with ease and confidence. The convenience of an included toiletry kit and travel bag pack order and organization right in. 3-year warranty.
Request warranty information
900D x 1200D polyester
Set includes: 26" upright, 20" upright, toiletry kit and travel bag
Foam backing on front panels of uprights for added protection
Heavy-duty self-mending zippers
Each upright has two front gusset pockets
26" has top and side carry handles; 20" has top carry handle 
Samsonite Luggage, Cape May
Web ID: 526134

Special Savings
Reg. $260.00 - 300.00
Was $129.99 - 149.99
Your Choice $99.99
TextReady to take direction! Each upright features four wheels that redefine effortless travel, rolling in any direction with no added weight on your arm and no extra hassle in busy terminals. Expands for extra packing room and houses an interior wetpak and mesh pockets for sorting through life's essentials. 10-year limited warranty.
Request warranty information
Padded top and side handles for lifting fully-packed
other sets
TextArabella Sterling Silver Heart Pendant, Pink Swarovski Zirconia Heart PendantSpecial Savings
Reg. $500.00
Was $299.00
Sale $255.00 
Enjoy 10% offBonus Offer
! Sterling Silver Ring, Cultured Freshwater Pearl and Diamond (1/5 ct. t.w.) Open Flower RingSpecial Savings
Reg. $500.00
Was $249.00
Sale $210.00 
Enjoy 10% offBonus Offer Diamond Necklace, Sterling Silver Diamond Eternity Circle Pendant (1/4 ct. t.w.)Special Savings
Reg. $500.00
Was $249.00
Sale $212.00 ! Sterling Silver Necklace, Black and White Diamond Heart Pendant (1 ct. t.w.)Special Savings
Reg. $600.00
Was $419.00
Sale $357.00
Arabella 14k White Gold Necklace, Swarovski Zirconia Heart Pendant (1 ct. t.w.)Special Savings
Reg. $650.00
Was $389.00
Sale $331.00 Sterling Silver Hershey's Kiss Necklace, Diamond Accent Medium PendantSpecial Savings
Reg. $250.00
Was $169.00
Sale $148.00 Sirena Diamond Necklace, 14k White Gold Diamond Twist Pendant (1/2 ct. t.w.)Special Savings
Reg. $1,400.00
Was $979.00
Sale $833.00 Sterling Silver Bracelet, Diamond Chevron (1/2 ct. t.w.)Orig. $200.00
Was $99.99
Now $49.99 
Pearl Necklace, Sterling Silver Cultured Tahitian Pearl Pendant (9-10 mm)Orig. $325.00
Was $260.00
Now $130.00 B. Brilliant 18k Gold over Sterling Silver and Sterling Silver Necklace, Cubic Zirconia Heart Cross Pendant (1/8 ct. t.w.)Reg. $85.00
Was $42.50
Sale $36.12 14k White Gold Necklace, Diamond Accent Butterfly PendantOrig. $375.00
Was $329.00
Now $164.50 
NEW! Sweethearts Diamond Necklace, Sterling Silver Diamond I Love You Heart Pendant (1/8 ct. t.w.)Reg. $675.00
Was $469.00
Sale $398.65 
Enjoy 10% off NEW! Sweethearts Diamond Necklace, 14k Rose Gold over Sterling Silver Diamond Be Mine Heart Pendant (1/8 ct. t.w.)Reg. $675.00
Was $469.00
Sale $398.65
Lauren Ralph Lauren Bracelet, Jet BeadOrig. $44.00
Now $21.99 NEW! Men's Stainless Steel and 14k Gold Necklace, Crucifix PendantReg. $300.00
Was $209.00
Sale $177.65 
Sterling Silver Earrings, Diamond Accent Greek Key Hoop EarringsSpecial Savings
Reg. $500.00
Was $249.00
Sale $149.00 
14k Gold Necklace, Diamond Accent Love Circle PendantOrig. $550.00
Was $479.00
Now $239.50 Men's Stainless Steel Necklace, Textured Dog Tag PendantReg. $150.00
Was $99.00
Sale $84.15 14k Gold Heart Pendant, Diamond Accent Double HeartReg. $400.00
Was $199.00
Sale $169.1514k Gold & Sterling Silver Pearl PendantReg. $260.00
Was $129.00
Sale $109.65   FREE SHIPPING + EXTRA 10% OFF select jewelry styles.use promo code EXTRA in your shopping bagTO GET EXTRA SAVINGS & FREE SHIPPING: Place qualifying items in shopping bag; then enter promo code EXTRA in the box labeled HAVE A PROMO CODE? and click APPLY. You can enter the promo code in your shopping bag at any time before or during checkout. Only one promo code may be used per transaction. FOR FREE SHIPPING: Place $99 of qualifying items in shopping bag. Minimum purchase amount does not include gift wrap charges, purchases of gift cards or tax. Offer applies to Standard Shipping to one location and may be applied to Premium or Overnight Shipping for an upgrade fee. Free Shipping does not apply to Coach, furniture, mattresses, purchases in Macy's stores or prior purchases. Due to size and/or weight, certain items bear a shipping surcharge, which will still apply. When shipping to multiple addresses, only shipping to the first address will be free; Standard Shipping will apply to all other addresses. EXTRA 10% OFF sale & clearance fine jewelry, fashion jewelry, and watches. EXCLUDES: Donatella, Everyday Values, fashion jewelry, select watches, Specials, Super Buys, web busters, gift cards, jewelry trunk shows, previous purchases, special orders, selected licensed departments, special purchases and services. Extra 10% off discount ends February 5, 2012.
griddlePresto 07030 Griddle, Jumbo Cool Touch
Web ID: 136866

Reg. $49.99
Was $24.99
Sale $18.99A sleek, convenient griddle that can do it all. It features a powerful 1500-watt system and an enormous 10.5" x 20.5" cooking surface that can cook an entire family's meal. The DiamondCoat nonstick coating provides nonstick cooking and easy cleaning. The built-in slope and backstop ledge help drain grease from the food to help you make a healthier meal. Two-year limited warranty. Model 07030.
Request warranty information
Fully immersible for cleaning
Slide-out drip tray
TextPresto 06626 Electric Skillet, 11" Web ID: 548617
Reg. $59.99
Was $39.99
Sale $18.99 Sale ends 1/31/12 Take control of your cooking! Precision temperatures are easily set and maintained by master controls for expert frying, grilling, stewing and more. The heavy-cast aluminum base is coated with a deluxe nonstick interior for effortless release and hassle-free cleaning every time. 1-year warranty. Model 06626.
Request warranty information
Tempered glass cover won't dent, warp, peel or bend
Warp-proof aluminum base
Removable heat control allows for full sink immersion or dishwasher cleanup
Amazon linkThe first review by Nlee (who is knowledgeable on batteries and the "go to" guy on this topic) gives high marks to both both battery and charger. Charges each cell individually. The only thing it lacks is a refresh function, which you can work around by discharging cells in a flashlight once in a while. The batteries are of the low-self-dischage variety, similar to Eneloops.It was selling for a couple of bucks more, now it's at $14.24 and free shipping if you spend over $25 on eligible items. A pretty good deal if you were on the fence about which battery/charger to buy.(You can get also free shipping if you sign up for Amazon Prime but read the fine print on that one.)
There was some discussion in another thread About this , but this is an important enough subject to warrant it's own thread. Many people are getting nowhere with their lenders when asking for a loan mod, and principal reductions are still very uncommon. There is a way to force lenders to Reduce principal on underwAter homes, or even Remove junior liens such as helocs entirely. It requires filing for chapter 13 bankruptcy , so this isn't a strategy for everyone , but for those who feel they need this option they should be aware of it, as it is not widely known or publicizedIf your first mortgage is greater than your homes current market value , a bk 13 can work to force principal reduction (lien stripping) by removing junior liens and paying them off with your other unsecured debts http://www.nolo.com/legal-encyclopedia/rid-second-mortgage-chapter-13-bankruptcy.htmlFor investment and rental properties, Even first mortgages can be reduced to current market value via cramdownhttp://www.nolo.com/legal-encyclopedia/mortgage-cramdowns-chapter-13-bankruptcy.htmlPlease use these links , and speak to a qualified attorney in your area if you think this is right for you. I will not be able to answer any specific questions related to your situation and am not your attorney or providing any legal advice. These general topics are presented for the financial education of fwf readers and you should not take any action without first speaking to your own attorney .
Make $2 per can! Sells for $3.99, there are peelies on them for $2 off and they are producing $4 ECBs! It's a $2 money maker per can! Limit is 100. Get these today, before CVS decides to make a change. This deal is good on any can variety of Skintimate (I didn't try the plastic bottle creme shave products).I found the peelies on cans that were on a special display at the front of the store on an endcap. Schick Hydro shave cream also have the same deal - although it was $4.19 at my store. They also had the peelies.If they are out of stock and have the tag on the shelf - GET A RAINCHECK! CVS rainchecks have no expiration.
Seven strand freshwater pearl choker style necklace with clear and grey quart $12.12 FSWas $42.99http://www.amazon.com/strand-freshwater-choker-necklace-quart/dp...A delicate seven strand nylon choker-style necklace with lobster claw clasp with layers of delicate freshwater pearls that dance on the neckline. Features white freshwater pearls with clear and greyish chips of natural quartz
My wife and I have been looking for a good deal on a pair of car HD radios since we sold our Buick that I had installed a Dual HD radio in a couple of years back. Seems like prices had gone up, because every time I checked, car stereos with both HD radio built in and front USB seemed to be going for $115 or more. Then I found this:Dual XDM6351 It is a newly released model from Dual that has front audio line in jack, front USB, an internal SDHC card reader (up to 32GB) and of course CD player. What really sold me was two buttons on the front:"mono" - there have been many times when driving cross country where I was going out of range of a particular station, and wanted to be able to listen just a bit longer. I remember being able to manually switch my first car radio over to mono, which allowed you to listen to faint stations. This radio has this!"loc/(distance)" - this was my biggest complaint on my first HD radio. When driving out away from metro areas, there would inevitably be an area where the HD signal was not quite strong enough, and the radio would keep switching back and forth between the standard def (SD) and high def (hd) signals. Trouble was, these are often off by a second or so, which makes listening to that particular station impossible at that point. I always wished there was some sort of button to simply tell it whether to use the HD signal or SD signal at that point. This radio gives you the choice! The internal SDHC card reader is, of course, a big bonus. It means I can always have my favorites loaded into the radio and available, even when somebody else has their favorites inserted on a flash drive. No need to later fumble around looking for your flash drive of favorites that they took out to play theirs. Here's the manufacturer page: (see at the bottom, in the middle, where it says "new"
http://www.dualav.com/mobileaudio/receivers.php
(manual is also available there for download)
Disclaimer: LOW STOCK!!!http://www.amazon.com/gp/product/B004NM86BQ/ref=pd_lpo_k2_dp_sr_...From the info that I read with reviews, this is a great deal and is on the bottom of the mid-tier...It generally out performs the starter/entry level tier even if they cost $250. This won't hold it's value like a Fender , but if you want a guitar that you never plan on selling down the road, this is a great deal.
Make $2 per can! Sells for $3.99, there are peelies on them for $2 off and they are producing $4 ECBs! It's a $2 money maker per can! Not sure on a limit yet, but might be 5. Get these today, before CVS decides to make a change.Schick Hydro shave cream also have the same deal - although it was $4.19 at my store. They also had the peelies.
At this point all this thread is going to be in a long winded way of asking "What credit card should my friend get?" It may grow into more. In reviewing the FAQ for that specific topic, I believe that thread is a little more advanced than he needs.This thread was a good start and almost identical situation
http://www.fullofdeals.com/forums/finance/156993/but I wanted to start a specific discussion on it.As with many of us advanced members it is actually quite hard to go back to the beginning. I honestly dont remember how I got started in credit it was forever ago. I hope this might be an interesting thread because it's almost a clean credit history and we can all think back on what I would do if I had to start over, but with our experience and knowledge.
I just hope I can avoid sarcastic flamers and get some real advice.Background: I've done my share of AORs, I've learned to manipulate my credit by knowing when issuers post balances and can regularly maintain close to an 800 credit score by doing so. I am extremely successful selling stuff for a living, my house is paid off, I have substantial savings to account for unexpected etc etc. I'm satisfied with my financial standing in life.I reconnected with my best friend, the best man at my wedding, someone I trust implicitly. He has not been as successful at life financially ($12/hour dead end job in his mid 30s) and given my position in life I want to "teach him to fish." A lot of retailers/vendors I buy from limit me, so having another name/SSN/billing address I can (help him) make significant money with that asset providing he has credit.His credit history is as followsNon reward Chase card with $2000 limit open since 2008 (never late)
Non reward Chase card with $700 limit open since 2008 (never late)
Some Bank I never heard of $500 limit open since 2007 shows OPEN/never paid late
HSBC card with $200 limit open from 2007-2008 paid/closed never late
No other history or types of loans.NO RECENT INQUIRIES 2 years.
I do not have the exact score.His 2 chase cards were MAXED out a few months ago. I paid them off for him so that he could charge product and earn that money back. He has done this and has earned back the $2700. So current credit report shows a $100 balance on the $2000 limit card and the statement on the $700 card closed at $402 (that is what was reported).At this point I would like him to apply for a respectable rewards card (1% unlimited would be a good starting point). Given the income he earned in that short period, I am going to have him claim a 70K annual income. The only obstacle to making good money is getting some respectable credit cards.Any opinions on likeliest issuer to approve?I'm thinking NOT AMEX to start out.
Discover card is not accepted at a couple key retailersWhich issuer should we go for first?
Chase, he already has 2 cards and a very limited credit history, should I really start there?
Citi
cap one (3 credit pulls still right?)
BOA/FIA
Is one of these obscure credit unions that issue their own cards a good idea?Let me know your thoughts, thanks.
Found these at my local Depot:American Standard Whitfield 4 in. 2-Handle Mid-Arc Bathroom Faucet in Polished Chrome with Speed Connect Drain Was as high as $68.00
Now: $15.03
Clearanced - YMMV
Includes the waste popup assembly which goes for $15.00 alone.....
Link to faucet They also have plenty of the American Standard Outreach 4 in. 2-Handle Low-Arc Bathroom Faucet in Polished Chrome with Pull-Out and Speed Connect Drain Was $82.00
Clearenced: $24.00 LinkPlenty of towel bars, vanities/tops and other bath accesories clearenced too - YMMV
TextMacys.comtry code: BEHOME
Classic Coffee & Tea by Yedi Drinkware, Inside Out Heart Tea Cups and Saucers, Set of 6 Web ID: 555631Reg. $70.00
Sale $49.99 Sale ends 2/22/12Sweet tea set. Porcelain tea cups with heart-shaped centers and matching saucers transform your afternoon tradition into a proper tea party. Featuring six cheerful hues and a pretty hat box that's perfect for giving. From Classic Coffee & Tea drinkware.
Porcelain
Hand wash
Classic Coffee & Tea tea cups
Includes six 4.75" cups, six 5.5" saucers and hat box
Classic Coffee & Tea drinkware
I was shopping for a battery for my son's Power Wheels car and I noticed in the 2 WalMart stores I visited they had "discontinued" models marked down by 50%.
Was checking out at my Tacoma, WA Costco and on the check-out mast there was a sign advertising an AMC 2-pack tickets for $11.99. There is a pretty cushy AMC theatre near me so this is a bargain if you chose a movie in the comfy theatre, matinee or not. These are good at any AMC theatre and never expire. I-max, dine-in and other premium services not included on ticket.Deal ends 1-29-12
http://www.kingsizedirect.com/
Solid Hooded Parka Jacket by Boulder Creek
Was: $139.99Now: $41.99
Item #: 1162-15965-1001 
Our microfiber hooded parka by Boulder Creek is an extremely warm jacket with a detachable hood for extra warmth. This parka jacket is so comfortable and warm it is perfect for winter weather. This all purpose coat is perfect for snowy weather and blocks wind better than anything. Try layering it over a warm long-sleeve thermal henley and soft sweaters for winter wear that will never fail. Or wear it over your favorite NFL hoodie as youre cheering on your team in the stands. Youll look like a winner no matter what the outcome of the game! 
Chaps 1/4-Zip Cotton Sweater
Was: $83.50Now: $33.40
Item #: 1164-04236-1336 
Fabric: Cotton. Care: Machine wash. Origin: Imported.Pullover sweater
Ribbed knit yoke, mock neck, collar and cuffs
Chaps crest at left chest
1/4-Zip Neck
Big and Tall Mens Sweaters - Chaps 1/4-Zip Cotton Sweater.  Big: length - about 32"Tall: length - about 34" etc
I haven't seen one of these posts go up this year and I always use it to save a little money on tax prep.Archived Thread from Last YearThe link I posted last year is still working it seems for 35% off federal returns: 35% Off
I know the link looks suspicious, but it was emailed to me a couple years ago by Turb0Tax.Also, Vanguard is doing their typical 25% off all products (including state). Vanguard Discount
Hoping for some help here... After trying to re-fi our mortgage several times and several ways, over 6+ months, we decided it was best to wait for our lender to approve the HARP II program. I have been told that the lender will be participating soon. I'll save you all of those details, but trust me, we have explored every option and plenty of homework on this (including attorney).Again, I'll save all of the details, but we need to get our monthly mortgage as low as possible to rent it out (this property will be a very long-term investment - 25+ yrs). Refinancing through HARP II will be bring our rate way down (currently 6.75%!) and thus our monthly payment will drop a couple of hundred dollars a month. That's good but not good enough.My question is: generally speaking, and i realize this is very general, can you normally recast a mortgage after refinancing through HARP II (recasting to lower monthly payment not just lowering the maturity date)?I ask because we have a lot of money saved so we want to "buy down" the principal as well (yes, we will still have a large nest-egg fund, and $ for our second home plus some $). So if we re-fi through HARP II, we get the lower rate and lower payment... Then if we recast after that re-fi, with let's say $25K, we then buy down the principal at the NEW lower rate which means an even lower monthly payment... Almost sounds too good to be true...My lender does have a "qualification" process for recasting, but we meet the two preliminaries - being current and having a conventional loan (not FHA etc). So next question:Does re-fi'ing a conventional loan through HARP II keep it as a "conventional" loan or is it then a FHA which means we wouldn't be able to recast it after the re-fi?Hope that makes sense... My lender is having trouble answering the simple questions so hoping someone has the insight... I need to know because I find out we can't recast after the re-fi, we'll be in trouble so the the alternative is to bring that $25K to the table during the HARP re-fi but i already now that wont result in the same drastic drop in payment. Thanks!
Okay, this deal might not last for awhile and may get pulled by ProFlowers or maybe not if they like the volume.I have used ProFlowers for many years. If there was ever a problem, you can get the flowers replaced when calling. Sometimes, it is 'too late' for date specific issues like Valentine's Day, but that is the nature of these businesses.You cannot get any CashBack on this deal either. If you play tricky and try to use a FW CashBack link, the $10 coupon will likely disappear.If you use the $10 coupon, you will likely not get a free vase no matter what the site header banner might says. When you get to the final checkout with the $10 off, the free vase will likely be charged for and you will have to start over with no vase in order to remove it.This deal is for One Dozen Red Roses + 12 FREE (product code #40901) and requires two steps.First, here is the link for the roses (no referral code in the link I posted, FW might add their referral part): http://products.proflowers.com/roses/One-Dozen-Red-Roses--12-FRE...I recommend skipping the vase. Even if it was free, the shipping add-on likely covers the cost of the 'free' vase.If you want to specify either Feb 13 or Feb 14 directly, you are charged an extra $4.99 on top of the $9.99 standard delivery charge. If you have to have it on Tuesday, Feb 14th, so be it, but instead I recommend clicking the Flexible Delivery bar on the graphic calendar and then clicking "Click Here" for Delivery on Feb 13 OR Feb 14 at our standard rates. FedEx or UPS are not charging more to ProFlowers for either date, so it will just depend on where the delivery is going and will allow ProFlowers to use 2-day delivery method at a lower cost if needed.You add it to the cart.Next, type this link into your browser into another tab: http://proflowers.com/ENT (copy/paste - do not CLICK) (this is the Entertainment Book discount, no book needed. It requires $29 purchase for $10 off. Again, even if there is a free vase banner header, it will not be free.)Click to View Cart (with 1 item) in the top center of the page and you should see Subtotal (after discount): $19.99.Proceed through the rest of the pages of Checkout. Don't forget to check the address and ensure your card message is well written! I would skip the add-ons (chocolate/toys) and buy them somewhere, but if you need to ship them, so be it.There is a $2.99 handling charge with the $9.99 delivery charge (and additional $4.99 if you did not select Flexible). Tax in some states too.If you need to order multiple flowers, do each one separately, there is no quantity discount on the flowers or shipping anyway. So, you can get the $10 coupon off each separate order (it is allowed per the fine print). You also cannot search for this particular bundle via the ENT site, it does not come up, so this is why you have to use two Proflower sessions to combine the discounts (which also removes any free vase option).Rasheed
Received a UPS letter package yesterday regarding refi'ing through Harp 2.0 with my current Citi mortgage. The paperwork explains the neede qualifications, and states my current rate and term 5.625/30 along with the offered options of a new 30 year at 4.625 or a 22 year at 4.625. The ad specifically states "no cost to you", and the fine print doesn't hint at any other fees.So, my question is, what's the catch? Refinancing at my current term of 22 years at a full percent lower is a no brainer, especially if there are no costs.When I first learned of Harp 2.0, I contacted them regarding my mortgage. I am eligible for Harp funds, but at the time, the could only offer a rate around 5% and a new 30 years. I had been trying to refi at a lower rate for 15 years, but was told that Fannie Mae rules wouldn't permit a 15 year.My LTV is around 100%, I have a 2nd mortgage (which I know isn't eligible for Harp), and have never paid any PMI. Hence the reason I got a 2nd mortgage instead of putting down 20% 8 years ago.
Text Columbia Kids Ethan Pond II Jacket (Little Kids)
SKU: #7798367
Color: Intense Red
size: 4/5 Little Kids

$21.99 (71% off MSRP $75.00)

Product Information:
Columbia Kids Size Chart
A versatile jacket that will help your sporty one through the blistering season.
Jacket is reversible.
Convenient hood.
Long sleeves with elastic cuffs.
Full front-zipper placket.
Fun contrast details.
Slip hand pockets at face.
Zip hand pockets at reverse.
Face: 100% nylon.
Reverse: 100% polyester. Machine wash cold, tumble dry low.
Length: 19 in
Product measurements were taken using size 4/5 Little Kids. Please note that measurements may vary by size.
TextMacys.com
Evan Picone Suit, Three Quarter Sleeve Open Jacket & Sheath Dress Web ID: 559357

Orig. $200.00
Was $49.99
Now $36.99 Sale ends 1/31/12Pricing Policy

Color: Citrine
Size: 18

Evan Picone Suit, Ruffled Portrait Collar Check Pattern Jacket & Pencil Skirt Web ID: 629067

Text
Orig. $200.00
Was $99.99
Now $69.99 Sale ends 1/31/12
Seven strand white and peach colored freshwater pearl bracelet $9.44 shipped15% additional savings applied @ checkoutwas $19.99http://www.divinejewelry.com/strand-colored-freshwater-bracelet-...
Link10% off Coupon: kerSPLUNK10 (expires 12/31/11, but still works)Amazon reviews are good for this saying case and drive are secured w/screws. Good way to put an old 2.5" SATA laptop HD or SSD into portable USB2 action.
I want to get my extended family together and am looking for several rooms for a few days, but it sure looks expensive. There will be a few small children and I was looking at a couple of waterparks initially. Now I'm open to anything! Thanks!!
I almost pulled the trigger on this when it was $1184.00 at the Panasonic EPP site a while back. I just saw this deal at Costco.com. The total price is a bit higher, but as everyone knows, there are huge advantages for buying from Costco. The 90 day return policy on televisions is unparalleled (except for Sam's Club), the extra year warranty when using your AMEX card, and dirt-cheap extended warranties if you so desire.So, this is a great price from a great store that usually doesn't have the best prices on televisions and they back what they sell to the hilt.Now I'm just wondering if this model has finally shown up at their brick and mortar stores to eliminate the $49.99 shipping fee.For purposes of comparison, this tv is currently $1552.50 at Amazon.Link to TV at Costco
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
My first post. So please be gentle. I have tried to search forums but not able to find this topic.Few days ago, while I was hunting for Coleman folding table for $11 in my local HD, I found this grill. I was not able to find it online from Home Depot web site. The closest one I found was this.The SKU# for the grill is 536-935. I think the original price was around $49.The cooking area is 350 square inches.
Go here: http://www.clarisonic.com/registration/index.php and register your Clarisonic product. They will give you a code for $25 off $50.Get your code, then Google Clarisonic, there will be a link for free shipping and a $40 gift with any purchase at the top of the page. Click through that.There is a box on the front page that talks about the Sonic Savings Program. Click the link there. It will show you products that are eligible for the program. Add two brushes, and it will give you the box to check to enroll in their program. Enroll. The brushes will show up in the cart for $32.50. Add enough other stuff to get to $50. Put in the $25 off $50 promo code, and done. Should cost $25 for two brushes plus whatever other filler you can find. The box that comes up says you can cancel at anytime by calling 1-888-525-2747.I haven't done this yet, my Clarisonic won't be here until next week, but I was trying to figure out how to get a good deal on brushes, and came across all this stuff, I did as much as I could without a code to put in, but there is a box for the code, so hopefully it works. If you try it please report back!
And, there is no indication what the $40 gift is, that is quoted from the google link...
I almost pulled the trigger on this when it was $1184.00 at the Panasonic EPP site a while back. I just saw this deal at Costco.com. The total price is a bit higher, but as everyone knows, there are huge advantages for buying from Costco. The 90 day return policy on televisions is unparalleled (except for Sam's Club), the extra year warranty when using your AMEX card, and dirt-cheap extended warranties if you so desire.So, this is a great price from a great store that usually doesn't have the best prices on televisions and they back what they sell to the hilt.Now I'm just wondering if this model has finally shown up at their brick and mortar stores to eliminate the $49.99 shipping fee.For purposes of comparison, this tv is currently $1552.50 at Amazon.Link to TV at Costco
WalMart.com has the Samsung Galaxy S2 Skyrocket (LTE version) from ATT for $139.99. I can't seem to get the link directly to the phone so you will have to choose ATT as the carrier and select the Samsung Galaxy S2 Skyrocket. Finally, click to see the price and enter your zip code which may vary the price. I was able to price match it at BestBuy and use reward zone certificates to drop the price even more.http://www.walmart.letstalk.com/product/browse.htm?pgId=100
We recently bought a new home. I had 20% down payment but at the last moment went with FHA loan since I was afraid with the Florida housing market. THis is our primary home. The lender assumed I did my homework and didn't question my move from 15 yr conventional to FHA loan. He thought I did my homework and just mentioned about the 1% FHA fee that is bundled into the loan. We thought this is fine since we are doing only 3.5% down payment.
My lender knew my credit score is 732 but still didn't question my move from conventional to FHA at the last moment.So we did the closing and I started working out plan for next 2 years. I always assumed that I'll wait for the market to steady in next 6-12 months and payoff to reach 78% LTV so that the FHA MIP goes away. Now, the following came as a big surprise to me1) The FHA MIP doesn't go away for 5 years
2) The FHA MIP amount stays the same even though the principal goes down every yearI am really upset about my move to FHA and I want to get out of it asap. Loan is $283K and 3.75% fixed interest FHA
P+I = $1274
MIP = $259I asked my lender that he should have atleast advised me to do 5% conventional with PMI. That PMI would have been $165 plus I would anytime give away remaining principal to reach 78% LTV and get rid of PMI. Also, my lender told me that I shouldn't be that upset because conventional interest rates are more than FHA. I really need some guidance here as I am a first time home buyer and went wrong with my first big financial move.Should I refinance to 15-year conventional right away or refinance to 15 year FHA which gives me the option to pay off and get rid of MIP?Please advice!! Thanks
There doesnt seem to be a thread strictly dedicated to credit cards with frequent flyer mile bonuses, and I thought it would be nice to have a one stop shopping experience for Frequent Flyer Mile (Not) Arbitrage. I just completed a FFM AOR, but had to search tirelessly through different threads and Google searches to find some of the better deals. I literally did hundreds of searches and cruised through countless threads for an entire day at work.This thread is for people who want the following:
- Bonus Miles of 25k or greater
- Maximum spend requirement of $3k within three months (ideally after first purchase)
- First year annual fee waived, or maximum of $100 for first yearThe following are nice, but since these are often not our primary cards, and we will probably cancel the card before the first annual fee, they dont matter a great deal to us:
- Low purchase APR
- No foreign exchange fees
- Points per $1 spentIdeally, this will be a self-sustaining topic: the Member Summary gets updated by FatWallet Members as deals come and go. With that in mind, lets try to limit the Member Summary to cards with the above wants.Ive got the list started with the best of the best I was able to scrounge up. Today I applied for United MileagePlus Explorer (app being reviewed), Southwest Rapid Rewards Premier (app being reviewed), and the Citi ThankYou Premier Card (instant approval). I basically applied for 150k bonus miles, with only a $99 annual fee on SW, and total spend minimum of $2,500 within 3 months. With a credit score of over 800, I dont ever recall not getting instant approval, so while this hurt, I am still hopeful and will keep you updated. Last year my 3 card FFMA AOR successfully yielded me 130k miles with no annual fees, and $2,500 spend within 4 months.In summary, this thread is for people who just love to travel and want serious bonus miles! So to continue our glorious free trips, I need you FatWallet members to help me, help you.Master List that I will update:Citi ThankYou Premier Card:
50,000 bonus ThankYou Points after you make $2,500 in purchases within the first 3 months.
Annual Fee: $125, waived for the first year.United MileagePlus Explorer (Chase):
50,000 bonus miles after your first purchase.
Annual Fee: $95, waived for the first year.
Important: to see the offer, you need to make sure that you first login to your United Mileage Plus account, and that you have miles in the account (any minimal amount is OK). Then, the homepage at United should show that 60k offer. Without these steps, you will only be seeing a 40k offer.Southwest Airlines Rapid Rewards Premier Card (Chase):
50,000 bonus points after your first purchase - that's over $800 in Wanna Get Away Fares that can be redeemed for 2 free roundtrip flights.
Annual Fee: $99.Chase Sapphire Preferred:
50,000 bonus points after you make $3,000 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Gold Delta SkyMiles (Amex):
30,000 bonus miles after you make $500 in purchases within the first 3 months.
Annual Fee: $95, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
30,000 AAdvantage bonus miles after you make $750 in purchases within the first 4 months.
Annual Fee: $85, waived for the first year.Citi Platinum Select AAdvantage Visa Signature:
50,000 AAdvantage bonus miles after you make $3,000 in purchases within the first 4 months. $150 travel credit, 2 AA club passes.
Annual Fee: $85, waived for the first year.
Wife gets the FR call today. She has a few accounts with 30+ CL. I also have several cards. Will complying trigger an FR for me? Our income on our last tax return was <45K. Should all the cards be cancelled, or go along with it. I know this has been covered on several other websites, I just want the FWF advice...
spotted this at SD and didn't se it posted here.
i was able to get a std suv at MIA (miami airport)in may/june,
Standard SUV Chevrolet Equinox or similar,
Base Rate and Charges
$259.67 USD for a week,
used code MUWA130 which should get me another $35 off Get an Intermediate SUV for $159 per week/$22 per weekend day or a Standard SUV for $169 per week/$25 per weekend day. Use Avis discount AWD S767700 for rental pickup by 6/30/12. Valid at airport and off airport locations, may require Saturday night keep, blackouts apply.adding coupon MUWA130 is suppose to get me an extra $35 off and they state that will happen at the counter.Terms & ConditionsIntermediate SUV for $22 a weekend day or $149 a weekly rental
Standard SUV for $25 a weekend day or $169 a weekly rental
AWD # S767700 Offer can be reserved now for pickup by 6/30/12 at participating Avis locations in the contiguous U.S. excluding New York. The offer is valid on Intermediate SUV (group F) and Standard SUV (group W). Offer applies to weekend and weekly rates; weekly rates require a five consecutive day minimum rental and a 14-day maximum rental. A Saturday night keep is required. The weekend rental period begins Thursday at noon and car must be returned by Monday 11:59 p.m. or higher rate may apply. A Saturday night keep is required. To use this offer, reservation must be booked 24 hours in advance of pickup. Please use AWD S767700 to take advantage of this offer. Offer subject to vehicle availability at the time of reservation and may not be available on some rates at some times. Offers may not be available during holiday and other blackout periods; rate surcharges apply during peak periods. Blackouts include, but may not be limited to the following: Boston, FL, CO. 2/1 2/5: Indianapolis. 2/9 3/18: Ski Locations in DEN, COS, ASE, EGE, GJT, GUC, HDN, MTJ, DRO, CYS, RKS, JAC, SLC, BOI, IDA, PIH, SUN, TWF, BTM, BZN, GTF, HLN, SAF, ABQ, FMN, RNO, DN2, SL1, MU2, UT1. 2/9 2/15: Ski Locations in PDX, RDM, SEA, SE4, B3S. 2/16 2/27: Fl, AZ. 2/23 2/26: Orlando, FL. 2/16 2/21: Denver, Salt Lake City, Reno. 3/29 4/2: New Orleans, LA. 4/5 4/8: Florida 3/29 4/8: Fl, AZ. 4/16 4/26: Raleigh. 5/3 5/5: Louisville Dist. 5/24 5/28: Boston, Indianapolis, Charleston Dist. 6/28 7/1: Fl, Seattle. 6/28 7/5: BOS OPS, Charleston Dist Chicago, Minneapolis, Pittsburgh. Rates are non-discountable; they may not be combined with any other AWD number, coupon, discounted rate or promotional offer. Renter must meet Avis age, driver and credit requirements. Minimum age is 25, but may vary by location. An additional daily surcharge may apply for renters under 25 years old. Offers are based on US currency. Vehicle must be returned to renting location. Taxes, concession recovery fees, vehicle license recovery fee, customer facility charges may apply and are extra. Optional products such as LDW ($29.99/day or less) and refueling are extra. Rental must begin by 6/30/12.
There doesnt seem to be a thread strictly dedicated to credit cards with frequent flyer mile bonuses, and I thought it would be nice to have a one stop shopping experience for Frequent Flyer Mile Arbitrage. I just completed a FFMA AOR, but had to search tirelessly through different threads and Google searches to find some of the better deals. I literally did hundreds of searches, and cruised through countless threads for an entire day at work.This thread is for people who want the following:
- Bonus Miles of 25k or greater
- Maximum spend requirement of $3k within three months (ideally after first purchase)
- First year annual fee waived, or maximum of $100 for first yearThe following are nice, but since these are often not our primary cards, and we will probably cancel the card before the first annual fee, they dont matter a great deal to us:
- Low purchase APR
- No foreign exchange fees
- Points per 1$ spentIdeally, this will be a self-sustaining topic: the Member Summary gets updated by FatWallet Members as deals come and go. With that in mind, lets try to limit the Member Summary to cards with the above wants.Ive got the list started with the best of the best I was able to scrounge up. Today I applied for United MileagePlus Explorer (app being reviewed), Southwest Rapid Rewards Premier (app being reviewed), and the Citi ThankYou Premier Card (instant approval). I basically applied for 150k bonus miles, with only a $99 annual fee on SW, and total spend minimum of $2,500 within 3 months. With a credit score of over 800, I dont ever recall not getting instant approval, so while this hurt, I am still hopeful and will keep you updated. Last year my 3 card FFMA AOR successfully yielded me 130k miles with no annual fees, and $2,500 spend within 4 months.In summary, this thread is for people who just love to travel and want serious bonus miles! So to continue our glorious free trips, I need you FatWallet members to help me, help you.
I saw this the other day and did not see anything posted. Finally!!On Friday, Southwest named Charlotte among 22 AirTran markets that will eventually be converted to Southwest service areas. The others are Flint, Mich.; Rochester, N.Y.; Pensacola, Fla.; Dayton, Ohio; Richmond, Va.; Key West, Fla.; Washington, D.C.; Memphis, Tenn.; Akron-Canton, Ohio; Wichita, Kan.; Des Moines, Iowa; Branson, Mo.; Portland, Maine; Grand Rapids, Mich.; Punta Cana, Dominican Republic; Cancun, Mexico; Montego Bay, Jamaica; Aruba; San Juan Puerto Rico; Bermuda; Nassau, The Bahamas; Mexico City; and San Jose Cabo, Mexico.Link
27 2012 Share45Print PostRegister to use Hip2Save Hip List!
DirecTV: FREE HBO Preview This Weekend (1/27-1/30)This Hip2Save.com Deal was hand-posted on Friday, January 27th, 2012 at 8:43 am. Dish Network subscribers this preview is indeed starting today on channels 300-309 for HBO and 310-314 for Cinemax.If youre a DirecTV subscriber, you should be able to get in on a nice treat this weekend! Reader, Angie, recently emailed to let me know that DirectTV is offering a FREE preview of HBO this weekend. DirecTV subscribers can access HBO on Channels 501-511.Also, several other carriers (Cox Communications, Verizon FIOS, etc.) may be offering this promotion as well, so you may want to call your local provider to see if theyre participating!
Hello FWF,Hopefully somebody in here can help me understand what sort of tax burden I can expect.In May 2011, my wife and I participated in a charity raffle that was associated with a marathon we were running. Fortunately, we won the raffle grand prize which was a two year lease on a Toyota Prius. We paid an upfront tax bill on the car, which we basically had to force PA to take. The confusion arose, I believe, by the car being won and received in Ohio, but us living in PA. I am trying to figure out what my tax burden will be for winning the lease of the car.I obviously don't own the car, just the responsibility of keeping it in good shape. If I won the car, I can IRS considering that lottery winnings, but what is the rules concerning winning a lease?Can anyone help?I purposely held off on registering the car in my current state of Virginia to decrease the trouble of attempting to get the car registered in Virginia and getting 1/2 of my money back from PA.
Upcoming: Free eBook for Online Reputation Management to commemorate Data Privacy Day 2012 (normally $9.99); Will be live 1/27
lol...OMG!: What Every Student Needs to Know About Online Reputation Management, Digital Citizenship and Cyberbullying [Kindle Edition]http://www.lolomgbook.com/#!vstc5=ebook18 of 18 reviewers rated as 5 stars on Amazon (as of 1/24/12)It was free to borrow for Amazon Prime members, but will be free for all 1/27-1/30.
Rite Aid February Video Values
Save over $170 with February 2012 Rite Aid Video Values
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$0.50 off Skittles Singles thx nomorerain3/sd
1/29-2/4 PREVIEW (CREDIT TO celestialdigs/sd for the info)Note to newbies: Order your coupons now, if needed! Best coupons from FL/CA papers-high value doubling!AD SCAN (thx LRWC)FREEBIES
Barilla Pasta $.88 After coupon, FREE for Whole Grain!!
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BOGO 1/29SSHeluva Good Sour Cream Dip 1/2 price $1.49 After coupon, FREE!
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$.50/1 1/29 SS (Ca papers)
CHEAPIES
Palmolive Dish Detergent (Wed-Sat) $.88 After coupon, $.38
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BOGO 1/08 SSTotino's Pizza Rolls $.99 (Wed-Sat) After coupon, $.29
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$.40/2 IP Print [couponnetwork.com]
Emerald's Peanuts $1.74 After coupon, $.24!
$.75/1 1/8RPGeneral Mills Cereal Fiber One, Honey Nut, Golden Grahams,Wheaties $2.49 After coupon, $.79 for Fiber One
$.85/1 IP Print [bettycrocker.com]
$.75/1 IP Fiber One Print [quericavida.com]
$1/2 Honey Nut IP Print [bettycrocker.com]Turkey Hill Iced Tea $.88 (Wed-Fri) After coupon, $.18!
$.35/1 home mailer( You can request a packet of coupons from us every month. We will mail one packet, per mailing address, each month but you need to contact us and request them. You can either email us (https://www.turkeyhillstores.com/...ontact.asp) or call us at 1-800 MY DAIRY (1-800-693-2479).Dannon Activia Yogurt 4 pk $2 After coupon, $1
$1/1 1/15SSAdam's Reserve Cheddar $5.99 lb
$2/1 IP Print [facebook.com]Franks Red Hot Sauce $1.79 12 oz After coupon, $.29!
$.75/1 1/22 SSOrtega Salsa 1/2 price $1.69 After coupon, $1.19
$.50/2 1/15SS (FL papers)Vlasic Sandwich Stackers $2 After coupon, $,50
$.75/1 1/29SS (FL & CA papers)Progresso Rich & Hearty Soup 3 for $4(must buy 3) After coupon, $1.08
$1/4 IP Print [quericavida.com]
$1/4 12/11 SSKen's Marinade $1.99 After coupon, $.99!
$1/1 1/8SSWhisker Lickins Cat Treats 4 for $5( Must buy 4)After coupon $.50 each
$1.50/2 12/4SSIrish Spring Body Wash /SoftSoap $2.99 After coupon, $1.49
$.75/1 1/8SS (in Spanish) (Ca papers)
$.75/1 Soft Soap 1/29SSGortons Seafood 1/2 price $2.49+
$.50/1 1/2SSTai Pei Appetizers $2.19 After coupon, $1.09
$.55/1 1/29SSWerther's Caramels 3 for $5 After coupon, $.91
$.75/2 12/4 SS (Expires 1/31!!)Chi Chis Tortillas $1.99 After coupon, $.99
Chi Chis Salsa $2.39 After coupon, $1.39
$.50/1 1/8SSBlue Diamond Nut Chips $1.99 After coupon, $.99!
$1/1 IP Print [smartsource.com]Toblerone $1.49 After coupon, $.49
$.50/1 11/13 SSReynold's Aluminum Foil $3.59 After coupon, $2.09
$.75/1 1/22SSHefty One Zip Bags $1.77 After coupon, $1.02
$.75/2 11/13 RPHefty Cinch Sak Trash (save $1.41) $3.88 After coupon, $2.88
$1/1 1/1RPSpot Shot Carpet Stain Remover 1/2 price $2.64 After coupon, $1.64
$1/1 IP Print [coupons.com] 90210 (prints with NO store logos)El Monterey Quesadillas 31-34 oz $5.49 After coupon, $3.99
$.75/1 1/29 SSBird's Eye Steamfresh Veggies $1.88 After coupon, $.88 (Not free)
$.50/1 1/08 SSMama Rosies Ravioli 1/2 price $1.49 After coupon, $.99
$1/2 IP Print [mamarosies.com] (Still hasn't reset)
Rite Aid February Video Values
Save over $170 with February 2012 Rite Aid Video Values
Video available through: March 3, 2012
Coupons Expire: March 17, 2012Women's Health- Save over $74
$2.00 off Airborne
$1.00 off Rite Aid Tampons 40-54ct
$3.00 off EPT
$1.00 off Rite Aid Maxi Pads 36-48ct or Pantyliners 92ct
$2.00 off Abreva
$1.00 off any Clean & Clear Item
$5.00 Off ANY (1) TENA SERENITY PAD, UNDERWEAR OR GUARD
$2.00 off Neosporin Essentials
$1.00 off Viactiv
$5.00 off Vicks Vaporizers or Humidifiers
$2.00 off Poise Hourglass Shape Pads
$1.00 off any L'Oreal EverStyle Item
$1.00 off any L'Oreal EverCrme Item
$1.00 off any L'Oreal Studio Styling Item
$1.00 off L'Oreal Sublime Mousse Hair Color
$3.00 off any Monistat Item
$3.00 off Prevacid 24hr
$2.00 off Gas-X
$2.00 off Lamisil
One FREE FlavoRX Flavoring for Children's Liquid Medication
$1.50 off any Two Edge, Skintimate, or Schick Hydro Shave Gel or Cream
$2.00 off Clearasil Perfecta Wash Kit (offer change from airwick)
$1.50 off Mucinex Fast Max Adult Liquids
$1.00 off Delsym
$1.00 off Two Revlon ColorSilk Hair Color Items
$2.00 off Samy Fat Foam
$2.00 off any Dr. Scholl's Item $9.99 and up
$1.00 off all South Beach Items
$5.00 off GUM PerioBalance
$1.00 off GUM Soft-Picks 40ct
$10.00 off Quick Trim Burn or Quick Trim Kits
$5.00 off Select Quick Trim Items Healthy Heart- Save $50
$1.00 off Aleve
$1.00 off Bayer Aspirin
$10.00 off Extenze 16oz Liquid
$5.00 off Nature Made COQ10
$10.00 off Accu-Chek Aviva Meter
$10.00 off Accu-Chek Compact Plus Meter
$5.00 off Multiclix Lancets
$1.00 off any Nature's Bounty Fish Oil or COQ10 Item
$3.00 off Osteo Bi-Flex
$1.00 off Ester-C
$3.00 off CitrucelCommemorate Black Heritage- Save $4
$1.00 off Organic Root Stimulator Olive Oil
$2.00 off Dark & Lovely Relaxers or Dark & Lovely Healthy Gloss Hair Care Items
$1.00 off Luster's Hot Oil TreatmentNew Items- Save $25
$1.00 Off Almay Smart Shade Foundation
$1.00 off Rimmel Scandal Eyes Mascara
$5.00 off any L'Oreal Revitalift Clinical Repair item
$5.00 off any L'Oreal Age Perfect HydraNutrition Balm or Serum
$2.00 off L'Oreal Magic Lumi Concealer or Primer
$1.00 off L'Oreal False Fiber Mascara
$3.00 off when you by one L'Oreal Colour Riche Lip Item and one Colour Rich Nail item together
$2.00 off any L'Oreal True Match Item
$2 Off Revlon ColorStay Ultimate Liquid Lipstick
$3 Off Revlon Age Defying with DNA Advantage Cream MakeupStock Up & Save- Save over $16
$1.00 off Two Diet Coke or Coke Zero 2 liters
Free Single Image Mouse Pad ($9.99 Savings)$0.50 off any Two Payday or York Peppermint Pattie Candy Bars
$0.50 off Two Hershey's Candy Bars
$1.00 off Two bags of Hershey's Kisses
$1.00 off any Three Kleenex Facial Tissue 75-200ct
$1.00 off Two Oreos
$0.30 off Libby's Fruit
$1.00 off Lysol
$0.10 off Welch's Grape Juice 14oz or 64oz
$0.50 off Skittles Singles thx nomorerain3/sd
JMSHanes Comfortblend EcoSmart Crew Sweatshirt
compare: $18.50 You Save: $10.51
Price: $7.99
Free shipping should be automatic if not use code 613483http://www.justmysize.com/webapp/wcs/stores/servlet/topCategorie...Average Customer Rating: 5 out of 5
Color Choices 24
Made even better because it's EcoSmart, which means it's made with up to 5% polyester created from recycled plastic.
Soft, durable 7.8-oz. Comfortblend EcoSmart fleece with double-needle coverseamed neck and armholes stays strong when you work or play hard.
Machine wash it again and again without hesitation, because it's pill resistant.
The ribbed waistband and cuffs you expect in a sweatshirt.
Was $159.99 yesterday
Technical Details
Waterproof, fogproof, and shockproof performance
All-metal chassis in lightweight polycarbonate shell
Rubber-coated body for firm, non-slip grip
Magnification: 7x
Objective lens: 50mm
Link
edited to fix price in title
TextProduct Description
A collection of statements Congressman Ron Paul has made over the past 30 years dealing with foreign policy from the date he was first elected to Congress. Ron Paul provides a history of economic policy in the United States and uses this history to argue that the same free market principals applied to U.S. domestic policy should be applied to U.S. foreign policy
Im going on a domestic flight where I will be carrying some cash (about $9,000). This was legally obtained money and honestly I'm not a fan of banks. I've kept the money safe and am going out of state to buy a car from a relative. I want to pay him cash for the car but don't want to be carrying enough money to break any laws / or imply that I'm doing something illegal.Thoughts??
Here is a link to get your choice of a XM Onyx radio XM Snap Radio for FREE with 30 days of service all you pay for is S/H fee. My shipping charge was $9. Good deal not sure how long its available
Free onyx
"I Hate the Patriots" t-shirt for all the anti-fans who hate the stupid, made-up "tuck" rule, Brady and the cheating, spy camera-using coaching staff. I used to like the Patriots when Drew Bledsoe was there but they've lost their charm for me with all the crap they've pulled and gotten away with since then. $20 but use the promo code CART0126 for an extra 20% off bringing it to $16. There is a shipping charge but it is based on the amount of your order. I ordered other items as well, so you may pay less shipping than I did. You can use PayPal to check out. anti-Patriots shirt
Best price ever looks like, nice little speakers. The previous best was $160 a month ago. Promo code EMCNJHD69
Promo Code EMCNJHD24, ends on 2/1was: $189.99
save: -$30.00
promo code: -$40.00
$119.99
Free Shipping4 eggs on 272 reviewsX750
Found in my Lowe's today. Item # 247158 - from receipt. Masterbuilt 30qt turkey fry pot. Reg was $49.99. Don't forget Military discount @ Lowe's - final price was $16.99 + Tax.
Only available in iTunes for now, but others are in the worksiTunes LinkInfo from Wash Post
I like BOA. In fact I use them for lots of Balance Transfers, but I recently had this experience with them and thought I would offer it up as a cautionary tale to BT neophytes and veterans alike:I had two Transfers on the same account. One due in March (~15,000 @ 1.99%) and one due in November (~5,000 @ 0.0%). Since I'm about to pay off my March balance, I decided to do a test in January to see how they would apply the payments. The new law as well as the terms of my agreement state that any payment in excess of the minimum will be applied to the balance with the highest interest rate first. I made a $5000 payment expecting to see the new balance of the higher rate be just above 10K (the minimum payment was about 250). Instead what I saw was new balance about $12,500. It looks like what they did was split the excess payment in half and applied it evenly to both balances. I called and resolved the issue, but when I asked how this could happen and sited the new law, he just said, they probably haven't updated the software yet to apply the payments correctly. I'm paranoid about that kind of stuff, so I anticipated that there would be a snag. I could see how someone could get caught paying tons of unneeded interest if they weren't careful or at the very least having to clean up a mess once the interest posted. Again, I like BOA and I am not sure if this was an honest mistake or if they are trying to catch people off guard, but in any event I thought I'd share and say, "Be Diligent!"
Only available in iTunes for now, but others are in the worksiTunes LinkInfo from Wash Post
Freshwater pearl necklace and bracelet set $38.63 FS15% additional discount seen @ checkoutbtw 15% off entire store. Discount applied at checkoutwas $76.99http://www.divinejewelry.com/Freshwater-pearl-necklace-bracelet-...Earthy green and yellow oval glass beads with accents of white, grey and green freshwater pearls define this set that includes a 16 inch triple strand necklace and 7-1/2 inch bracelet with lobster claw clasps. A casual but lovely duo! Imported from Italy.
I'm usually a little hesitant to post Natchez sales as they usually aren't very good. This one seemed to be a good deal based on a 5 minute google. The next cheapest price I could find on either model was $249 from a lesser known site. Most well known sites have it above $300. I also found it out of stock at a few places so this is likely last year's model.doa 600doa 250
Costco has 2x 200-count Finish Powerball Tablets (Fresh Scent) for $33.98. Must purchase two. Shipping is free.
Note: Non-members pay a 5% surcharge, bringing your total to $35.68.
Link
Thanks to Slingha-SD
http://www.startsampling.com/sm/mirrabrush?source=kroger -AL, AK, AZ, AR, CA, CO, GA, ID, IL, IN, KS, KY, LA, MI, MS, MO, MT, NE, NV, NM, NC, OH, OR, SC, TN, TX, UT, VA, WA, WV, and WY only
http://www.startsampling.com/sm/mirrabrush?source=dillons -AK, KS, MO, OK only -copy paste the link, or click the Mirra box on that page
Price dropped since I looked at it yesterday when it was around $150. This is lower than the Goldbox deal just before November 2011 (link for that deal on Fatwallet)The LINK model is the one that can work with some smartphones using an app to display measurements using Bluetooth.Amazon linkThe non-LINK version is down to $111ish. The optional display is under $70.
this thing has saved me untold overcharges and unnecessary pre-flight stress. Cheapest I've seen it after the coupon (coupon was available under the item description for me).http://www.amazon.com/gp/product/B0058NL12U/ref=vp_c_AJA7DWBOZOR...
My local (PA) Lowes has 24 oz. Ecosmart organic grass/weed killer and garden insect killer for under a buck each (I believe one was about 65 cents, the other 90 cents). Pre-printed yellow clearance shelf tags, over a dozen of each on hand. This was already a great deal, but about 1/3 of them also had a $1.00 manufacturer's coupon around the neck. The cashier apologized that she couldn't actually pay me to take them off her hands, but did give them to me for free. For reference, I believe these are the online links:http://www.lowes.com/pd_111506-1321-33117_?PL=1&productId=308284...
http://www.lowes.com/pd_111498-1321-33113_4294830795__?productId...
At 2 of the 24 hour fitnesses I frequent (Austin-Great Hills and Austin-Lake Creek), they currently have 50% off of the ON 100% Whey Gold Standard Protein 5lb tubs. I've purchased it as low as $42.82 in the last 2 months at Amazon, however it is currently $50+ there. I purchased at 24 hour today and it was 43.99 OTD, I guess there is no Tax on this stuff (not sure why). So it is not the best price it has ever been, but it is the best price I could currently find for any flavor (where the price at Amazon often varies by flavor). I like the extreme milk chocolate and double chocolate. There was a fairly large sign in front of it in the standard 24 hour "style" so I assume it is for many locations, but obviously YMMV.
Text
Corningware Bakeware, French White 10 Piece Set Web ID: 593486
Special Savings
Reg. $70.00
Was $49.99
Sale $34.99 Sale ends 1/29/12Pricing PolicyCook in classic form! This must-have set is made of durable stoneware designed for use virtually anywhere, letting you bake, serve and store in the same dish. The classic, fluted design creates an elegant presentation for any meal, complementing cuisine to delicious perfection. 1-year limited warranty.
Request warranty information
Set includes: 2.5-qt. oval with glass and plastic covers, 1.5-qt. oval with glass and plastic covers, 1.5-quart oval casserole dish, 15-oz. oval dish and (2) 4-oz. ramekins
Safe for use in oven, microwave, refrigerator and freezer
Material resists chipping and cracking
Non-porous surface does not absorb food odors, flavors or stains
Dishwasher safe  LIMITED-TIME SPECIAL! LIMITED-TIME SPECIAL! details
Upcoming: Free eBook for Online Reputation Management to commemorate Data Privacy Day 2012 (normally $9.99); Will be live 1/27
lol...OMG!: What Every Student Needs to Know About Online Reputation Management, Digital Citizenship and Cyberbullying [Kindle Edition]http://www.lolomgbook.com/#!vstc5=ebook18 of 18 reviewers rated as 5 stars on Amazon (as of 1/24/12)It was free to borrow for Amazon Prime members, but will be free for all 1/27-1/30.
I know there was a deal posted yesterday for Newegg, but I just found that Amazon has the same deal now: LINKYIn some ways, this beats Newegg for those of us in CA (like me) because we don't get charged sales tax. Also, if you've got Prime, you'll get it pretty fast, too!Newegg Deal here: Linked
Dear FWF:Im looking to take out a personal loan of around $15-20k and use the proceeds to buy a house in cash (the house will be used to run a business and not as a residence). Im looking for some additional ideas to secure this financing with the lowest cost / payments / interest and minimal impact on my credit score (hard pulls, etc). Here is what I have explored so far:1) Personal loan with my credit union @ 7.9% for at least 36 month term. Although the plan would be to pay the loan off within 6 months, I like that if things go south my cash flow wouldnt be impacted greater than the approx. $450-$600/mo payment I would be required to make. My CU said they scrutinize the use of the funds very closely for such a large loan amount, but I am not really sure what they can ask for or look at once the loan is funded. I think they just really want to make sure I am not doing a debt consolidation for which they would charge a 12.9% rate.2) I have a platinum visa credit line with the same CU. The banker said if for some reason they couldnt do a personal loan then they might be able to increase that credit line. She also said that it is possible as a requirement for a personal loan they might want to reduce my revolving credit limit, which is currently at 14k. I can go online and simply transfer funds from my credit line to my checking, at 8.9%, simple daily compounding interest. I think they might also charge 3% transaction fee, but I have to call back and verify that. I was also thinking of applying for Chase Slate, 0 fee, 0% BT card and then transferring the balance to there (hopefully they give me adequate credit line), but I am worried that Chase will get all huffy for opening an additional credit line and then maxing it out right away. I also am concerned with the credit hit of having one of my revolving lines maxed out. I do have two other Chase cards with lines between 14k and 16.9k. 3) I checked out Lending Club, the interest rate seems like it could be lower, but I am worried about not being fully funded, or that I will get a hard pull but interest rate less desirable than above. Also I feel unsure about the timeline to get approved and funded, etc. I havent really dealt with this type of site/arrangement before and it seems less comfortable then I want.So any other ideas? Or which option would you chose for the most hassle free minimal impact financing?Little extra about me Im pretty sure my credit score is >720, my take home pay is a little over $4k/mo (but I have only been at this job 4 months), I have approx. $5k mostly on 0% CC (thanks FWF). My rent is approx. $1850/mo, but my lease is up in June and I will move somewhere less expensive (another reason I am concerned about credit score impact). The house will be in another state so I cant live there.Thanks in advance for your help!
My husband and I plan to buy a house soon, probably in the $500-$600K range. I'm considering getting a real estate license to save on commission and allow me to view properties without making arrangements with another agent to show the houses. If I became an agent I would have to work with a broker, since I'm not yet eligible for a broker's license. I don't want to represent other people in buying/selling houses, but we might buy 5-10 houses for ourselves investments in the next few years. Right now, investments in rentals look pretty good in the area I'm considering. They should break even or be cash flow positive after taking into account reasonable vacancy and expenses. I'm not 100% sure I want to be a landlord, though.What is a typical percentage that a newbie agent shares with their broker?
Other than the initial coursework and licensing fees, what other expenses does an agent have?
Would a broker even allow someone to work with them who was not actively recruiting clients and buying or selling lots of houses?Right now, I can find an agent who will rebate 15% of the buyer's agent commission (so $2250 on a $500K house). I haven't found anyone who will rebate a higher percentage. I'm trying to figure out if it would be worth it for either scenario -- if I'm just buying a house for our family, or if I buy our house + a few houses for investments. Also, when you are investing in houses, do sellers view offers from agents differently from a normal buyer? Are they more likely to view it as an offer from an investor and be less willing to negotiate, for example?
Someone posted in a Staples thread that they found the 18 pack of Keurig Pumpkin Spice K-Cups for $3.50 at Staples. I went to my local store but could not find them. However, I had them scan the 48 count holiday pack (Spicy Eggnog, French Toast, Gingerbread) and they came up at $12.50 (the shelf tag still said $32.99). Through Wednesday, there is a coupon that will get you 25% back in Staples Rewards. The packages I bought were dated June.Final price after Staples Rewards is $9.38, 19.5c per K-cup (26c before Rewards). The 16 count is an even better deal if you can find it, 19.4c per K-Cup, less with 25% Rewards.16-18 count flavors on clearance are Pumpkin Spice, Celestial English Breakfast Tea, Iced French Vanilla, Iced 1/2 and 1/2 (half tea half lemonade) and hot apple cider (thanks newmomagain). Once again, the shelf tag will still show the regular price.The 25% Rewards offer is only good through Wednesday.I see this is in the Staples clearance thread but given that other deals for this product (at higher prices) are posted separately, I thought it was worthy of its own thread.
Target
reg: $19.99
Rubbermaid 34 Pc Easy Find Lids Set
reg: $19.99 Sale price $16.99
promotion discounts:-$1.70 free shipping
final- $15.29+ taxhttp://www.target.com/p/Rubbermaid-34-Pc-Easy-Find-Lids-Set/-/A-...Never lose a lid again with this 34-piece set of food storage containers with easy-find lids by Rubbermaid. These plastic storage containers are made from plastic and snap together to make finding a lid easy in any cupboard.Made from 100% BPAFree Materials
Features: BPA Free
Container Material: Plastic
Lid Material: Plastic
Care and Cleaning: Dishwasher-safe
Dimensions: 19.25 " H x 14.5 " W x 17.5 " D
Weight: 2.7 Lb.Target Home Sale- 10% off and Free Shipping
10% off purchase of 1 select Home item. Offer excludes clearance, nursery furniture, electronics and entertainment. Discount will be applied at Checkout. Discount not applicable to gift wrap, tax, or shipping and handling charges. May not be applied to previous orders. Offer expires 01/25/12 at 11:59 PM EST.
Free Standard Shipping only to the 48 Contiguous United States. Not valid on previous orders. Offer expires 01/25/12 at 11:59 PM EST.
If you got in on either of the Canon Pixma MP495 wireless printer deals recently, you can head to Amazon and pick up ink at a great price!Canon PG-210 XL CL-211 XL and 4-Inch x 6-Inch - 50 Sheets dropped to $35.19 FSS.
Usually this hovers in the $42-44 range, and CCC shows $35.19 as the lowest it's every been (about three times). This kit is from Canon and contains both black and color XL size ink carts plus photo paper, for less than the price of the ink carts separately. A review on the site states: The 210XL has 66% more ink than the regular 210 cartridge. (15ml vs 9ml).
Fits other Canon printers as well, I was just referencing two deals that were posted recently.
Askderm.com has a free brush and travel case when you order any Clarisonic. The Mia is priced at $119.
There is a survey you can take for $5 off (on the website, do this first), and you can use code ONTHEGO for 25% off. The 25% off code is YMMV, as you are supposed to use it when you order through their mobile site. The Clarisonic Mia is not available for order on the website, it says call 1-800-393-3848 to order. I simply told the rep that I tried to order through the mobile site but couldn't because it is by phone only, and she gave it to me. If they will not take the 25% off code, there is a 20% off code LETITSNOW that they will take for sure. I posted another Mia deal a couple of weeks ago, and my order was cancelled, so I was totally happy to find this one!
I was wondering based on my situation whether or not to hire a CPA. If yes, I was wondering how would you recommend in finding a CPA. No reviews in my location for Yelp, nor do I see it as trustworthy process. Also I don't know of anyone in my area (San Atonio).
Prior 5 years, I've used Tax Software (TurboTax) to do my taxes which has been straitforward. However, moving between states mid year and change in living places, I'm not sure if my current situation will be complicated enough to justify a CPA.
General info. Moved from CA to TX 7/1/2011.
Own house in CA for CY2010. Friend is subletting house from 9/11 to now. No formal paper trail. Mortgage $1400. Rent $1000 Debating whether or not to just keep the process under the table.
Rent house in TX. Rent $1300
Work from home. Claim home office 2010.
HHI 140KMain job, I've stopped paying CA income tax 7/11 since this is a telecommute job. No state income tax in TX.I have a W2 side job that I worked in CA for a couple days in the year. Paying CA income tax on that since I need to be on site to work. 1099 side job for the month of 10/11. Thanks
Have any of you guys done an Around the World trip?I am thinking of getting a new job or going back to school in September and was considering taking 1-2 months off to travel around the world. I have begun reading blogs and looking into airfare and see an easy option is to buy a single 'around the world' ticket. This allows you to create a bunch of 1-way tickets around the world. The costs range from 4-10K. The other option is just use my miles and mix/match airliners for the best '1 way' deal.Here is a short lists of things i need to research, can anyone give me input on what i'm not considering & ways to save money?Facts
~ 1-2 Months off
~ US Citizen living in northeast
~ Keep total costs <$10,000
~ Mid twenties male- no health concerns, traveling alone for majority of it
~ No set destination besides London & Australia(I have friends/free housing here). I hope to visit at least 5-10 other countries along the way.Issues/Research items
~ Visas (is there an easy way to do this, or do i have to apply each individually at the embassy)
~ Healthcare (I will be unemployed & too old to go onto parents coverage) I believe i am eligible for Cobra when i quit. Is travelers insurance a better bet?
~ Costs - I still haven't decided if one 'around the world' ticket is better or mix/matching and using miles (I have 100K BA miles)Other
~ Have good credit- will get a card that doesn't charge FX fees
~ 100K BA miles, 150K Hilton, 50K Miles various other airlines
~ Willing to do hostels
~ Only fluently speak englishThanks for your help I'm sure if/when i go i will update my thoughts/lessons learned during my time.
I was surfing for AMC movie ticket discounts and happened upon this site. just bought 2-10pks for $120 and paid with PayPal.NOTE: CURRENTLY OUT OF STOCK. ALL ITEMS ARE AVAILABLE FOR PRE-ORDER. WILL BE SHIPPED ON 2/10/2012.FREE SHIPPING ON ALL ORDERS.Get AMC Gold Experience Movie Ticket as low as $6.00 each!Good for any AMC, AMC Showplace, Loews, Cineplex Odeon, Magic Johnson, and Star theaters, excluding Canadian theaters.Subject to surcharge for 3D, IMAX, ETX, alternative content, and premium services and locations. Valid seven days a week.Got questions? Please kindly email us at heyyou@smilingpopcorn.comlinkymoo$6.00 tickets OOS. now $6.50.
A few of us at work have been pushing the owners to consider offering a 401K. They are resistant but have looked at it. The latest reason why is that there is no tax benefit to the employee above what one can get on their own by doing an IRA. I always thought that there was a pre-tax advantage to a 401K. However, the accountants have advised the owners that there is none. In this case, there would be no employer match since the company already provides a profit sharing plan. Considering that, is it correct that there is no tax advantage?I understand that a 401K would provide the possibility of a larger contribution. There is a concern in general that the 401K would be difficult to implement as it is a small company and many of the entry level workers would likely not participate.Thanks for your insight!
Hi,
I purchased a home in 2011. My loan was sold basically at closing to Chase. Chase provided a 1098 but the original mortgage lender did not and told me to use the HUD-1. It's $175 in interest. I was going through TaxAct last night and for interest not on a 1098 it's still asking for the EIN of the original mortgage lender. Am I doing that correct or should that interest not be entered as interest not on a 1098. Anywhere I can lookup the EIN or do I need to contact the original mortgage lender for the EIN?
1/29-2/4 PREVIEW (CREDIT TO celestialdigs/sd for the info)Note to newbies: Order your coupons now, if needed! Best coupons from FL/CA papers-high value doubling!FREEBIES
Barilla Pasta $.88 After coupon, FREE for Whole Grain!!
$.55/1 Whole Grain 1/8SS (CA papers)Speed Stick $.99 After coupon, FREE!
$.50/1 1/08 SS (in Spanish)
BOGO 1/29SSHeluva Good Sour Cream Dip 1/2 price $1.49 After coupon, FREE!
$.75/1 12/11 SS/1/22SS (FL & CA papers)
$.50/1 IP Print [heluvagood.com]
$.55/1 1/22SSColgate Toothpaste 6 oz Reg., Whitening, Baking soda $.99 After coupon, FREE
$.50/1 1/29 SS (Ca papers)
CHEAPIES
Palmolive Dish Detergent (Wed-Sat) $.88 After coupon, $.38
$.25/1 1/29 SSBic Twin Razors 1/2 price $1.64 After coupon, $.82
BOGO 1/08 SSTotino's Pizza Rolls $.99 (Wed-Sat) After coupon, $.29
$.35/1 1/8SS & 1/29SS (CA & FL papers)
$.40/2 IP Print [couponnetwork.com]
Emerald's Peanuts $1.74 After coupon, $.24!
$.75/1 1/8RPGeneral Mills Cereal Fiber One, Honey Nut, Golden Grahams,Wheaties $2.49 After coupon, $.79 for Fiber One
$.85/1 IP Print [bettycrocker.com]
$.75/1 IP Fiber One Print [quericavida.com]
$1/2 Honey Nut IP Print [bettycrocker.com]Turkey Hill Iced Tea $.88 (Wed-Fri) After coupon, $.18!
$.35/1 home mailer( You can request a packet of coupons from us every month. We will mail one packet, per mailing address, each month but you need to contact us and request them. You can either email us (https://www.turkeyhillstores.com/...ontact.asp) or call us at 1-800 MY DAIRY (1-800-693-2479).Dannon Activia Yogurt 4 pk $2 After coupon, $1
$1/1 1/15SSAdam's Reserve Cheddar $5.99 lb
$2/1 IP Print [facebook.com]Franks Red Hot Sauce $1.79 12 oz After coupon, $.29!
$.75/1 1/22 SSOrtega Salsa 1/2 price $1.69 After coupon, $1.19
$.50/2 1/15SS (FL papers)Vlasic Sandwich Stackers $2 After coupon, $,50
$.75/1 1/29SS (FL & CA papers)Progresso Rich & Hearty Soup 3 for $4(must buy 3) After coupon, $1.08
$1/4 IP Print [quericavida.com]
$1/4 12/11 SSKen's Marinade $1.99 After coupon, $.99!
$1/1 1/8SSWhisker Lickins Cat Treats 4 for $5( Must buy 4)After coupon $.50 each
$1.50/2 12/4SSIrish Spring Body Wash /SoftSoap $2.99 After coupon, $1.49
$.75/1 1/8SS (in Spanish) (Ca papers)
$.75/1 Soft Soap 1/29SSGortons Seafood 1/2 price $2.49+
$.50/1 1/2SSTai Pei Appetizers $2.19 After coupon, $1.09
$.55/1 1/29SSWerther's Caramels 3 for $5 After coupon, $.91
$.75/2 12/4 SS (Expires 1/31!!)Chi Chis Tortillas $1.99 After coupon, $.99
Chi Chis Salsa $2.39 After coupon, $1.39
$.50/1 1/8SSBlue Diamond Nut Chips $1.99 After coupon, $.99!
$1/1 IP Print [smartsource.com]Toblerone $1.49 After coupon, $.49
$.50/1 11/13 SSReynold's Aluminum Foil $3.59 After coupon, $2.09
$.75/1 1/22SSHefty One Zip Bags $1.77 After coupon, $1.02
$.75/2 11/13 RPHefty Cinch Sak Trash (save $1.41) $3.88 After coupon, $2.88
$1/1 1/1RPSpot Shot Carpet Stain Remover 1/2 price $2.64 After coupon, $1.64
$1/1 IP Print [coupons.com] 90210 (prints with NO store logos)El Monterey Quesadillas 31-34 oz $5.49 After coupon, $3.99
$.75/1 1/29 SSBird's Eye Steamfresh Veggies $1.88 After coupon, $.88 (Not free)
$.50/1 1/08 SSMama Rosies Ravioli 1/2 price $1.49 After coupon, $.99
$1/2 IP Print [mamarosies.com] (Still hasn't reset)
online only order at http://www.walmart.com/cp/Value-of-the-Day/1058864
Enjoy the ultimate comfort of a memory foam mattress
High-density foam mattress shapes itself to your body
Soft luxurious knit cover and three layers for support
4.6 out of 5 Stars
$165.00
Was $189.00
FREE Ubuntu Beginners Guide
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Looking to the community for some of your trusted advice. Here's the quick version of the story. My wife is being recruited by a company in the Midwest. The company's initial offer was 20% higher than what we both make combined. We're both work for big businesses and do very well, so it is enough money for us to move. Current situation:
East Coast resident
Own home (275k owed, 78% LTV based on PenFed refi 4 months ago)
No desire to keep and rent the current house
30k drop in value since purchase
We believe we can replace my salary where we move
Daycare will be provided by the new company. Here's where I need the help.
1. We don't know much about negotiating salary & expenes
A) how to negotiate relocation
B) how to negotiate sign-on bonus
C) Negotiate how to sell the house
D) Negotiate living expenses and relocation services
E) Negotiate job placement for my salary
Or if there's anything else that we need to consider. 2. How to find a place to rent/buy in our new area (near Milwaukee)Hoping to draw on some of your experiences as undoubtedly you'll have some suggestions to share. Thanks!
February SCR Book#1 Slim Shots Appetite Controller Vanilla Flavor 20ct
$10 wyb 1 - LIMIT 1#2 alli
$5 wyb 1 - LIMIT 1
Starter Kit 90ct
Refill 120ct#3 Olay Regenerist Skin Care excludes clearance Regular Retail $29.99-31.99 (2/19/12 - 2/25/12)
$10 wyb 2 - LIMIT 1#4 Rimmel Cosmetics
$3 wyb $15 - LIMIT 1#5 Almay (excludes trial, clearance)
$2 wyb 1 - LIMIT 3
Foundation, Powder, Blush, Concealer or Bronzer#6 Revlon Foundation
$2 wyb 1 - LIMIT 1#7 Luster Tooh Whitening Kit
$10 wyb 1 - LIMIT 2#8 Gracious Living
$5 wyb 2 - LIMIT 3
Laundry Basket
Large Caddy
Step Stool
Snap Tote 40Qt
Snap Tote 66Qt#9 Vivitar Digital Video Recorder with Flip Style Viewer
$5 wyb 1 - LIMIT 1#10 Benzedrex Inhaler
$0.75 wyb 1 - LIMIT 1#11 Children's Claritin
$2 wyb 1 - LIMIT 1#12 Blink Gel Tears 10mL (2/26/12 - 3/3/12)
$7.99 wyb 1 - LIMIT 1#13 Gas-X Softgels or Prevention 50ct
$3 wyb 1 - LIMIT 2#14 ExLax 48ct or larger
$3 wyb 1 - LIMIT 2#15 Chapstick
$2 wyb 1 - LIMIT 2
Triple Packs .25oz
Overnight .25oz#16 Itch-X Gel with Aloe 1.25oz
$0.75 wyb 1 - LIMIT 1#17 Ensure Adult Nutrition
$1 wyb 1 - LIMIT 4#18 AZO Feminine Hygiene Product
$2 wyb 1 - LIMIT 1#19 DiabetiDerm Antifungal Cream 1.5oz
$3 wyb 1 - LIMIT 1#20 First Aid Kit 200pc
$3 wyb 1 - LIMIT 1#21 Abreva
$2 wyb 1 - LIMIT 1#22 Stopain (2/26/12 - 3/3/12)
$6 wyb 1 - LIMIT 1
Analgestic Spray 4oz
Roll-On 3oz#23 Stuart Prenatal Vitamins 100ct
$10 wyb 1 - LIMIT 1#24 Brainstrong Excludes Toddler
$10 wyb 1 - LIMIT 1
Prenatal 60ct
Gummies 30ct
Adult 90ct#25 Culturelle
$4 wyb 1 - LIMIT 1#26 icool/icool D
$3 wyb 1 - LIMIT 1
i-cool for Menopause 30ct
i-cool + Vitamin D Menopause Relief 45ct#27 i-flex for joints 120ct
$3 wyb 1 - LIMIT 1#28 Magna-Rx 60ct 2pk
$10 wyb 1 - LIMIT 1#29 c.booth Derma
$3 wyb 1 - LIMIT 1
Trial Travel Kit
Daily Vitamins Skin Facial Cleanser
Anti-Oxidant Oil Free Daily Moisturizer
Phyto-Nutrient Eye Cream
10 Minute Oil Control Thermal Clay Mask
Kojic Acid Skin Brightening Fluid
Glycolic Acid Skin Resurfacing Solution
Vitamin C Micro Delivery Facial Scrub
Oxygen Infusion Cell Rejuvenation Peel Kit#30 Pretty Woman Nail Item
Buy2get 1 free - LIMIT 1#31 Peak Antifreeze 1Gallon
$3 wyb 1 - LIMIT 2#32 G*U*M
$1 wyb 2 - LIMIT 1
Eez Thru Flossers 150ct
Go-Between Cleaners 8ct
Soft-Picks 40ct
Value Pack Toothbrushes 2ct
Crayola Toothbrush 1ct
Floss Threaders 25ct
G*U*M Crayola Timer Light Toothbrush#33 Brita
$5 wyb 1 - LIMIT 1
Classic Pitcher
Replacement Filters 3pk#34 ecols
$5 wyb 1 - LIMIT 1
Cellular Activator Face Serum 1.7oz
Moisture Therapy Regenerative Cream 2oz
Restorative Eye Cream 1oz#35 Gold Bond Body Wash 12.5oz
$3 wyb 2 - LIMIT 2#36 Revlon Frost & Glow Highlighting Kit
$5 wyb 1 - LIMIT 2#37 Clorox/Tilex/PineSol/409
$1 wyb 2 - LIMIT 1
Clorox Bleach 96oz
Clorox Wipes 35ct
Toile Bowl Cleaner 24oz
Tilex 16-32oz
PineSol 26oz or larger
409 Cleaning Products
Since it's tax season, I think it's a good time to put together a list of deals that resulted in a 1099. A lot of deals have disclaimers that say 'tax is your responsibility' and you 'may' get a 1099, but it's not clear if you really do get taxed. This info sometimes makes or breaks a particular deal.e.g. I was looking at the current TDAmeritrade deal and noticed you can get $600 for opening an account. But the fine print says "Retail values totaling $600 or more during the calendar year will be included in your consolidated Form 1099." That means last year's $500 bonus for the same amount would have been a better deal! Unless, of course, you don't actually get the 1099. On top of that, if they do send the 1099, another question is do they include the cost of the free trades you used as well?To start things off, the only 1099 I got recently was last year for the free BotW iPod ($199) and BotW referral bonus ($50).
Crazy good deal on Fable 2 at GameStop. It may be an online-only price, the email I got wasn't clear on that.http://www.gamestop.com/xbox-360/games/fable-2/70785Email says offers available 1/25 - 1/31/2012, but looks like it's live now.
JCrew.com final sale + extra 40% off http://www.jcrew.comcode: OURTREATexpires: 01/25/12
Rubber iPhone 4 casewas $25.00
now $6.99  Camp socks$16.50
2 for $20 Repp piqu polowas $39.50
select colors $19.99
Jasp short-sleeve henleywas $39.50
now $24.99  
Stanton shortwas $59.50
select colors $24.99  
Vintage polowas $42.50
now $24.99
also in: Tall  Nubuck flip-flopswas $42.00
now $29.99  11" broken-in chino shortwas $49.50
select colors $29.99  Vintage cord in straight fitwas $75.00
select colors $39.99  
Vintage cord in bootcut fitwas $75.00
select colors $39.99  Converse distressed Jack Purcell sneakerswas $65.00
now $45.00 + 40% off
Someone posted in a Staples thread that they found the 18 pack of Keurig Pumpkin Spice K-Cups for $3.50 at Staples. I went to my local store but could not find them. However, I had them scan the 48 count holiday pack (Spicy Eggnog, French Toast, Gingerbread) and they came up at $12.50 (the shelf tag still said $32.99). Through Wednesday, there is a coupon that will get you 25% back in Staples Rewards. The packages I bought were dated June.Final price after Staples Rewards is $9.38, 19.5c per K-cup (26c before Rewards). The 16 count is an even better deal if you can find it, 19.4c per K-Cup, less with 25% Rewards.The 25% Rewards offer is only good through Wednesday.I see this is in the Staples clearance thread but given that other deals for this product (at higher prices) are posted separately, I thought it was worthy of its own thread.
A UTMA account that was previously held in a CD recently matured (check in hand).The problem I am running into is setting up a CHECKING account which is also a UTMA account. A checking account is needed to start using the funds.Trying to avoid a UTMA savings account and having to go in to request cashier's checks to access the funds.1. does anyone know if the funds are coming OUT of a UTMA account if they must go back INTO a UTMA account?2. does anyone know of a bank that offers UTMA checking accounts for persons 16 years of age or older?
Will you price match this?

http://www.barneys.com/WeirdGuy/501372937,default,pd.html?cgid=D...

Rather order from you based on reputation.

That site is out of stock (and I'm pretty sure that price is a mistake, you don't buy raw denim sub $100).

Got another site to price match + free shipping:

Hi there,

Thank you for your inquiry. This is not a problem at all. We would be more than happy to match our competitors price of $69 for the Weird Guy in Elephant 2. If you are ordering more than one, please note that we generally do not match wholesale quantities of an item, considered to be 3 or more of the same item. Therefore we will only be able to match that price on 2 of the items. Please go ahead and place the order online and contact us with your invoice number so we can manually adjust the price for you. I do hope this helps!


Thank you for shopping with Revolve Clothing. We look forward to hearing from you!

http://www.revolveclothing.com/DisplayProduct.jsp?product=NAKE-M... - Normally $165. Will offer 30% off to new customers. This price match still beats that by $45.

Shane,

A refund of $96.00 was issued to your card **************** for order #8140721.Bought 2 pairs, got $96 off each from $165.
TextMacys.comDiamond Accent Hoop Earrings, 14k White GoldSpecial Savings
Reg. $360.00
Was $179.00
Sale $99.00 
Bonus Offer  
Pearl Jewelry Set, Sterling Silver Cultured Freshwater Pearl and Diamond Accent Jewelry SetSpecial Savings
Reg. $300.00
Was $149.00
Sale $99.00 14k Gold over Sterling Silver and Sterling Silver Bracelet, Heart CharmSpecial Savings
Reg. $400.00
Was $199.00
Sale $149.00 Diamond Earrings, 14k White Gold Two Row Diamond Channel Hoops (3/8 ct. t.w.)Special Savings
Reg. $900.00
Was $629.00
Sale $399.00   
NEW! Sweethearts Diamond Necklace, Sterling Silver Diamond Love You Heart Pendant (1/10 ct. t.w.)Special Savings
Will Be $500.00
Was $349.00
Sale $199.00 
Bonus Offer
   Treasured Hearts Diamond Necklace, 14k Gold, 14k Rose Gold, and Sterling Silver Triple Heart Diamond Pendant (1/6 ct. t.w.)Special Savings
Reg. $700.00
Was $489.00
Sale $299.00 Sterling Silver Stackable Rings Set, White, Champagne and Black Diamond Rings Set (1/4 ct. t.w.)Special Savings
Reg. $300.00
Was $149.00
Sale $99.00 
Bonus Offer(26)
   14k White Gold Pendant and Earrings Set, Crystal AccentSpecial Savings
Reg. $500.00
Was $249.00
Sale $159.00 
Bonus Offer
limit 5 per customer
http://www.newegg.com/Product/Product.aspx?Item=N82E16875996107
LinkUse promo code 5OFF for $5 off any order. Reliant Ammo .40 S&W 180 Grain FMJ New Brass Ammo.
RELIANT AMMO SALE - 36% OFF All AMMO
Best Value on the Internet - Guaranteed*
We're much CHEAPER than Cheaper than Dirt, and we guarantee our ammo**
*If you find an online competitor who sells new, brass, in-stock, USA-made ammo for less,
we'll match that price and quantity and give you an additional $10 off your order.
**IF OUR AMMO MISFIRES, we will give you a credit for a free box of ammo or refund
your money, including shipping costs, if any. This offer does not apply to jams, stove-piping, or
failures to eject, as these problems are usually caused by firearm malfunctions and/or operator errors.
New Brass* Ammunition Made in the USA
Guaranteed to Fire, or well refund your money or give you a free box of ammo****
*9mm and 38 special jacketed hollow points are cased in nickel at no extra charge.
**Cash & carry is available in only in Spokane, Washington. Prices include sales tax.
***Ammo is shipped United Parcel Service from Lewiston, Idaho. Cost depends upon distance,
but shipments of 500 rounds to Spokane are usually $10 to $12. Ammo ordered online is
purchased from Reliant Ammo USA LLC of Surprise, Arizona. Ammo picked up is purchase
from DKD Endeavors LLC of Spokane, Washington.
****50 rounds for all calibers except .308 and .50 (20 rounds each). For refunds, well send
you instructions for returning the ammo.
Double the cost unless you have an intention of finding a Turkish girlfriend
(Credits to Hardee's/Carl's Jr. Commercial) Turkish AirlinesFrom Chicago, NY, LA,and Washington DCApplication Period :
Ticketing Dates: Tickets must be issued between 24 JAN 2012 - 31 JAN 2011 (incl.)
Flight Dates: Valid for travels between 01 FEB 2012 - 29 FEB2011.
RT: Promotional round trip fare. All taxes are included.
Subject to currency fluctuation.
All taxes included.For more information, Call THY Chicago Office (312)-595-0849
Hi everyone,My dad and I have the downloaded (Amazon) Deluxe version of TurboTax 2011. Neither of us can seem to get our W2's imported from our employers. The option just doesn't exist anywhere no matter how much we have been searching. It just defaults to the manual entry after showing our previous years information. Is this some glitch that hasn't been worked out yet? Between the 2 of us we've wasted MUCH longer than it would take to manually enter, but that's one of the "perks" for paying for this #$@$ program. Just hoping to get a consensus from some other TT purchasers.Thanks.
At least in Connecticut, Stop & Shop is discontinuing stocking Senseo Douwe Egberts 18-pod packages of coffee pods. There may or may not be a shelf tag advertising the discontinuance and sale.If you can find any still in stock, they are ringing up at $3.14 for a package, all types (usual price was something like $4.96). I had a $2.00 off of 3 packages coupon (that was glued to an earlier package purchase) which reduced the price even more.Stop & Shop stores are located in Connecticut, Massachusetts, Rhode Island, New York, New Hampshire and New Jersey.
Upcoming: Free eBook for Online Reputation Management to commemorate Data Privacy Day 2012 (normally $9.99); Will be live 1/27
lol...OMG!: What Every Student Needs to Know About Online Reputation Management, Digital Citizenship and Cyberbullying [Kindle Edition]http://www.lolomgbook.com/#!vstc5=ebook18 of 18 reviewers rated as 5 stars on Amazon (as of 1/24/12)It was free to borrow for Amazon Prime members, but will be free for all 1/27-1/30.
I just received a letter that a tenant's pitbull attacked a neighbors dog last November, resulting in $5k of veterinary bills. The neighbor attached the vet bills, and is seeking remittance. This is in CA. What is my liability? I've searched the internets, and this is what I've found:In general, when a tenant's dog injures someone, courts hold the landlord liable only if the landlord:
1. knew the dog was dangerous and could have had the dog removed;
2. or"harbored" or "kept" the tenant's dogthat is, cared for or had some control over the dog.I've been around the pitbull many times when working on the backyard, and the dog has never been dangerous. The house is completely gated. Actually, every time i visit the house, I have to walk inside the gate into a long drive way, with the dog walking right next to me the entire distance of the driveway.I intend to seek a lawyer for advice and a response, but wanted to ping the community for insight.NOTE: I am sorry that the neighbor's dog is injured, but this is a business and I don't think I should be liable.
Hope this is the correct forum to post. Please move if not.
This post is a heads-up for those who have received (or will receive) The National Household Education Survey through the mail.Do Not Throw Out Before Opening...There is a brand new crisp $5.00 bill included in the survey envelope.survey info:The Department of Education wants to understand the condition of education in the United States. This survey is the only way that the Department of Education can learn about schooling and child care arrangements from your perspective.How was your household chosen? Your address was randomly selected from among all of the home addresses in the nation. It was selected using scientific sampling methods to represent other households in the U.S. The sample is designed so that interviews with only a few thousand people will accurately describe the educational experiences of almost all Americans. Some households will be selected to receive a second survey that asks more specific questions about the educational experience of children in the house.Can I complete the survey on the web?No web option is available for this survey. Please complete the form that was mailed to your address. If you have misplaced your form, call the U.S. Census Bureau toll-free at 1-888-840-8353 to request a replacement survey.More information can be found at nces.ed.gov/nhes.
Is there any tax advantage or any other advantages if you do a lot of trading (stocks and options) individually vs doing it as a company (LLC)? It will still be a one person company and it won't be using other people's money..just my own.When you open an account at a broker they ask you whether its individual, joint or corporate and I was wondering if there was an advantage to just registering a LLC and then trading on the company account?
Text
Serena Williams "Ruffle-iscious" Versatile Swing JacketItem: 131-652
Clearance Price: $39.95 or 2 payments of $19.97 HSN Price: $79.95 | You Save: $40.00 (50%)
Retail Value: $129.00 Shipping & Handling: $6.21
Serena Williams "Ruffle-iscious" Versatile Swing Jacket
Create your own signature style with this seasonless ruffle swing jacket that's versatile, feminine and figure-flattering. The comfortable stretch-ponte knit is designed with a beautiful flyaway front that complements any ensemble. Wear it open, buttoned or belted over a dress when you really want to step it up!Serena Williams "Ruffle-iscious" Versatile Swing Jacket Details Color Choices:
Black, Red, Purple, Charcoal (gray), Camel (tan), Olive (green) or Navy (dark blue)
Fabrication:
Soft ponte knit with drape-front ruffle detail
Style:
Cardigan
Neckline:
V-neck
Sleeves:
Long
Waist:
Self belt
Closure:
Single button
Design Features:
Princess seams
Pockets:
Side seam
Hemline:
Ruffled
Size, Content & Care Size Choices:
XS-XL; 1X-3X
Body Length:
Approx. 35"L
Fit:
Semi-fitted: somewhat close to the body, but cut for ease of movement and fabric drape
Content:
76% polyester, 21% rayon, 3% spandex
Care:
Hand wash, dry flat
Country of Origin:
Imported Serena Williams "Ruffle-iscious" Must-Have Blazer
Item: 134-903
Clearance Price: $39.95 or 2 payments of $19.97 HSN Price: $89.95 | You Save: $50.00 (56%)
Shipping & Handling: $6.21
Serena Williams "Ruffle-iscious" Must-Have Blazer
Get everyone's attention when wearing this strikingly beautiful ponte knit blazer. It's a far cry from the norm with gorgeous double-ruffle detail surrounding the neck and sweep for a look that's incredibly chic. Serena Williams "Ruffle-iscious" Must-Have Blazer DetailsColor Choices:
Black, Red, Olive (green) or Navy (dark blue)
Fabrication:
Soft ponte knit with double-ruffle detail
Style:
Cardigan
Neckline:
V-neck
Sleeves:
Long
Closure:
Hook-and-eye
Design Features:
Princess seams; self-edge trim
Hemline:
Ruffle Size, Content & CareSize Choices:
XS-XL; 1X-3X
Body Length:
Approx. 24-3/4"L
Fit:
Semi-fitted: somewhat close to the body, but cut for ease of movement and fabric drape
Content:
70% polyester, 25% rayon, 5% spandex
Care:
Hand wash, dry flat
Country of Origin:
Imported
Text
I was looking around for a lens for my camera and was told to buy this lens.
The price on Amazon is $246.95.
BUT - I saw that in the "Refurbished" tab there was a seller who had it for $219. Their description said it was "New" and "Not Refurbished". I emailed the seller asking what the deal was and why it was listed as a refurb and not "New" and they told me it was because the item was a "restricted listing". Im not sure what that means, but as I began browsing through other camera lenses and expensive cameras, I began seeing a similar trend of listing new items as refurbs for cheaper.My browser showed me that beachcamera.com had the same lens for $146 but upon checking their site, it was really $246 (like the Amazon listing)As a new lens, this $219 is cheaper than the other new sellers. I give it a green
1) I was driving 93 in 75 zone. While I think it was a gross exaggeration, I can't argue with the radar =(
2) An officer issued a summon, where he misspelled my last name. (I don't think it matters, b/c he got everything else right)
3) My first speeding violation. (I was actually able to beat the reckless driving violation in 2007, discussed here: http://www.fullofdeals.com/forums/off-topic/762289/)
4) I don't think I will fly out to AZ to fight it. What are my best options?Thanks
I'm assuming there are other FWF members out there that have low-interest HELOCs maxed out (perhaps using the funds for other investments) fearing if they brought the balance down to zero or close to zero that the bank may close the line. I established a $170K HELOC with GMAC back in 2006. I told my neighbor about the promotion they had and they also signed up for a $120K HELOC. Two years later (2008), GMAC, without any warning, closed my neighbors HELOC. GMAC sent them a letter stating that the neighborhood's property value was declining and that GMAC was forced to permanently close the line. I'd like to add that my neighbor had a stable job (accountant) and made more then enough to afford the payments of the HELOC, maxed out. Their HELOC didn't exceed 80% of the value of their home (combined loan to value of the first and the HELOC). In fact we both took the LTV to 80%, I just had a little more equity in the home than they did. But the kicker is that the home is in a particular part of urban Honolulu which didn't realize any declines in value. In fact, unlike the US mainland, prices in that area ticked up a bit over the period between 2006 and 2008. After my neighbor received the notice I immediately removed the entire $170K available in my HELOC fearing my line would also be closed. I never received a letter from GMAC. I had utilized the funds for various purposes (return well exceeded the 3.5% rate) over the last 4 years but the cash has recently become liquid and I'm debating if I should pay it down. At 3.5%, it's still relatively cheap money and I'm sure I'll have a place to put in in the near future... but not for at least 9 months, possibly well over a year. The line is still good for 9 years. An important note is that I no longer live in that home (it is now an investment property) so if the line is closed I would never receive a line of that amount and the rate would be considerably higher. Very few banks offer LOC on investment property. Have any other FWF members had their HELOCs closed because of "declining property values". Or is this a policy only exercised by GMAC? Now that the "dust settled", so to speak, perhaps the fear of GMAC doing the same is unwarranted? I did call GMAC and spoke to a customer representative; she confirmed that my line would not be closed... HOWEVER, if property values declined in my area she stated that GMAC could reduce the line amount or close it entirely. Of course they provide no warning and the information they receive is not in line with what is reported by the local Board of Realtors every month. I guess I'm just looking for any form of reassurance... any feedback is helpful.
Hey Guys, So Sears seems to be cleaning out of TAMRAC brand camera bags. I was able to get a Tamrac Express 5 (which is perfect to my needs). Below are some links for comparison + how to get it:Amazon: Link for Reviews (24 reviews with 4.5 stars @ $34.95)To check availability go to Sears site: Sears Link pick in-store pick up and you will see inventory (it's pretty precise, as it showed 4 for my location and I saw 3)To verify the price: Google Shopping look at the nearby stores and you will see the Sears @ $8.97I did saw this thread at SD (so crediting them right here), so went to the store to check it out...it was indeed $8.97. I picked up one (still 2 available @ Torrance when I left).My Sony A330 from previous clearance threads finally got some clothes =) (yes it fits very snugly and nice)...if you are looking for a slightly bigger case: Fatwallet Link to Tamrac Express 6 @$20Bags Details: Manufacturer Link
For the Lazy:Internal Dimensions:
6 W x 3 D x 6⅛ H
15 x 9 x 16 cm
External Dimensions: 8 W x 5 D x 7 H
20 x 14 x 19 cm
Weight: 11.8 oz. (335 g)Protection for a compact digital SLR with lens up to 3" long attached and accessories
-poder84
Hi FWF members,I need your advice on what would happen in this case. I got a rebate check from Staples (usual routine). I forgot that I filed this particular rebate on my wife's name. I got the check and missed to notice the check came in her name..I deposited the check today with my endorsement in my account (just realized my mistake)..I've linked joint account but the check is deposited in my account. Can any one tell me what would happen here? Check will clear or return? Is there anything I can do to get this done smoothly?
*Save $10 on $50 purchase on any clothing or shoe purchase
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*10 for $10 on any Plum organic baby food purchase
*BabiesRUs brand Umbrella Stroller - red or grey ($19.99 value)with your total car seat, stroller or travel
system purchase of $100 or more
*40% OFF Disney Fairies Adventure Tent or Toy Story Adventure
*20% all Schwinn Bikes
*Buy one, Get one GaDeGar
*Buy one, Get one on Marvel, Hotwheels, and Cars Squinkies
*40% off all "you me" dolls
*Buy one, Get one of "Earths Best" products
*Buy one, Get one of Seventh Generation items
*25% off, all infant feeding starter sets
*Buy one, Get one of Winnie the Poo, wash, lotion, shampoo
*50% off "Little Boutque Storage Boxes"
*20% off all twin and full comforter sets
*25% off all monitors
*25% off all bean bags
*25% off all double electric breast pumps
*20% off Hamelton collection furniture
*2 for $30 pampers, huggies
*20% off any "in home baby gear items"
Coupon Link
LINKOld thread from 3 months ago when it was $214.50 + shipping!The description says 3.3" barrel, but it should only be 2.83".Specifications and features:
Taurus model 738 TCP semi automatic handgun
.380 ACP
3.30" barrel
6 round magazine
Double action only
Checkered polymer grips
Black polymer frame
Blued finish
Low-profile fixed sights
Fish-scaled slide serrations
Loaded chamber indicator
Ambidextrous magazine release
5.19" overall length
10.2 ozTaurus 738 TCP is the lightest Taurus in the handgun lineup Featuring a 6 or 8 round magazine, a durable polymer frame, and low-profile fixed sights. Blued, stainless, black stainless, and titanium. Also featuring loaded chamber indicator and ambidextrous magazine release.
Dermstore is having a blowout sale from NOW until 1/31/12. All products included in this sale are being offered at $12, savings of 73% - 90%.Example:
Phyx Intensive Hair Repair Masque Was $105.00 now $12.00. Amazon price $84
SkinTensive xCel Was $120.00 now $12.00. Amazon price $96.
Link to story.Citizens Equity First Credit Union raised penalties for early withdrawal of CDs on existing CDs, based on the catch-all clause in the account disclosure allowing them to change terms at any time. They are allowing withdrawals until March 15 under the current penalties. Fort Knox FCU increased their EWD penalties last year and also applied the new penalties to existing CDs. The NCUA ruled FKFCU was within their rights to do it based on the language in their membership agreement.

I've seen many recommendations for the Ally Bank 5-year CD because it has a tiny 60-day interest penalty for EWD. After reading the Ally Bank disclosure, I note it includes the option for Ally to change terms at any time, and I suspect nearly all disclosures have similar language. We've never imagined it would be used to change existing CDs, but now I have to wonder if banks and CUs might find it appealing to make similar changes if it suits them financially, or if the next step could be disallowing the option for EWD altogether.
Clearasil is offering a $2 off printable coupon for its new Perfectawash product on its Facebook page.https://www.facebook.com/clearasilUSAt WalMart, the price is $13.97 for 2 refills + FREE dispenser. With the coupon, the final price is $11.97! Best price I can find online and offline.
Tommy Bahama Luggage Nassau 16 Wheeled Business Case (Rolling Laptop Bag) For $29.99 + $4.99 Shipping. Looking pretty decent. Pulled the trigger as I was looking for a rolling bag.Sale Link
eBags has it for $103.99 here
In many states (like mine) kids have to use a Booster seat until age 8! It's always good to have an extra on hand for play-dates, car pools, etc. This Harmony Juvenile is an "IIHS 2010 Best Bet Booster." Description from WalMart.com: For children 4-10 years old, from 30-100 lbs. and 34" to 57" tall
Forward facing only
Exceeds US FMVSS 213 standards
Extended weight range ready for new ASTM standard
Ultra-plush, durable fabrics made with comfort foam throughout seat for comfort
Full-wrap premium micro suede seat pad is removable for machine washing
Seat-saver design
Visually pronounced belt guides promote correct installment of the seat belt
Belt path design prevents child from sliding under the lap belt upon impact
Shoulder belt guide included
Assembled product weight is 2.55 lbs.Arrange for in-store pickup and pay $0 in shipping! Harmony Juvenile Car Seat Booster
Grabbed this unique drawer during the holidays for 60$ on Amazon.
they went fast and couldnt find it since.Im kind of a Keurig addict like some people are with wine so to me this was a deal.
Amazon now has it listed for 39.98 bought one more for my office since I'm not sure how many the vendor actually has listed.its unique and one of a kind, not sure how much its worth but I couldn't find it in any retail store. Its actually a well made product so I paid a little extra for the nice design.
Glass Keurig Drawer
0 Posted By: FatWallette
Views: 599 Replies: 1



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This was buried a little in the Tax thread so thought I would post here:Found a good deal for residents of CT, CO, DE, HI, IL, IA, KS, LA, MD, MA, MT, NE, NJ, NM, PA, UT, WI. This beats the price for Tax Act and Tax Slayer, which look to be the lowest on the block (if you are active duty military, Tax Slayer will do them for free).Link to Site
Coupon Code: $MA$HPRICE (valid through 2/5/12)
Federal = $4 (w/ coupon)
Free State Returns for CT, CO, DE, HI, IL, IA, KS, LA, MD, MA, MT, NE, NJ, NM, PA, UT, WI.What they do is offer the links to the free state portals at the end of your federal. Would also be a good deal for all the non-income tax states, too.
http://www.tigerdirect.com/applications/SearchTools/item-details...Was $149 a week ago:
http://webcache.googleusercontent.com/search?q=cache:JPKf-qX8FT4...
CheaperThanDirt has it for $510 plus shipping. My shipping came out to only $10.
This is the so-called commercial model, which in my opinion is preferable to the civilian.
It's the cheapest price on the web for the Beretta (including gun auctions and classifieds),
plus very reasonable shipping. You can also use a credit card - none of that typical gun store cash/check only BS.
If like me you always wanted one, then it's a perfect time to get it. I'm sure these won't last at this price.LinkSome cool info:BERETTA U.S.A. RELIABILITY AND DURABILITY STATISTICS FOR THE BERETTA 9mm PISTOL.
o The average reliability of all M9 pistols tested at Beretta U.S.A. is 17,500 rounds without a stoppage.
o During one test of twelve pistols fired at Beretta U.S.A. before Army supervision, Beretta-made M9 pistols shot 168,000 rounds without a single malfunction.
o The Beretta 9mm pistol was the most reliable of all pistols tested in the 1984 competition which resulted in the award of the M9 contract to Beretta.
Two-thirds of all M9 pistols endurance tested at Beretta U.S.A. fired 5,000 rounds without a single mal function or, at most, with only one malfunction.
The average durability of Beretta M9 slides is over 35,000 rounds, the point at which U.S. Army testing ceases.
The average durability of M9 frames is over 30,000 rounds. The average durability of M9 locking blocks is 22,000 rounds.
So next month I'll be embarking upon a major (60-80k) home renovation for an older home I purchased about 1.5 years ago in Philadelphia and that I'm living in. I already selected my contractor after interviewing about 6 or 7, and found a really quality contractor for a great price. While the project is a fixed price, there are certain allowances and other items I'm to purchase on my own. For this, I come to you, FW Finance. Do you guys have any tips/advice on finding the best deals, either online or in person, for some of these items? I'd like the home to have a lot of character (it's a 100-year old Philadelphia rowhouse) so not looking for generic, Lowes-looking items.Tile & Flooring (already found a great local store with great prices)
Kitchen Cabinets
Kitchen Countertops
Kitchen appliances (fridge, oven, dishwasher, hood)
Lighting Fixtures (attached)
Doors (interior and exterior)
Staircase railings (I really like the horizontal versus traditional vertical kinds- easier to keep clean)
Radiators (used or new)
Bathroom vanities/medicine cabinets
Tubs/toilets
Beadboard for bathrooms
Natural Gas Fireplaces
Washer/DryerApologize if this has been posted before. Thanks in advance for the help!
King
http://home.woot.com/
Queen
http://www.woot.com/
Full
http://sellout.woot.com/sale/23823Condition: NewFeatures:Patented ventilation system with unparalleled breathability
King-size mattress has open memory foam cell structure that allows cool air to displace warm air
Molds to your body and eliminates the uncomfortable pressure points and motion transfer common in most innerspring mattresses
Memory Foam has 2.5-inch 4-pound top layer with air flow ducts
Foam support structure features 3-inch core with air flow channels directing cool air throughout the mattress
High-density supportive base foam is 4.5 inches thick
Meets all flammability standards
Mattress cover is zippered for easy removal and washing
Memory Foam is resistant to dust mites and is naturally antimicrobial
10-inch mattress never needs turning and can be used with existing box springs or platform bed
Vacuum packed to 1/3 the size of the mattress returns to 100 percent in 24-72 hours
Includes two memory foam contour pillows
Jetblue has Select 1-way fares for $29 Each way (or 5000 Trueblue points). Fares valid until 01/23 for flights between 01/30 - 04/03. See site for detail. Sample fares are: Las Vegas, NV to Long Beach from $29, - Portland, ME to New York, NY from $49, - Washington, DC to Boston, MA from $39, - Burbank, CA to Las Vegas, NV from$29, - New York, NY to Washington DC from $54, - Chicago, IL to Boston, MA from $69Text
Was at Subway for lunch this weekend and some receipts were offering $5 subway gift card for taking online survey. Cashier told me it was only for customers who ordered flatbread items and didn't know if it was just them or all subway locations - so YMMV.
I did a search and last thread was a year old! If you have not given up on your New Years resolutions, now there are no more excuses;
IOS app runtastic PRO GPS Running, Jogging free today only (was 5.99)
Runtastic PRO GPS Running, Jogging, walking.
http://itunes.apple.com/app/runta...26332?mt=8
Was at local Costco today and noted that on clearance for $49.97 was
the Huffy 16" Princess Bike, they also had the Pixar Cars 16" bike next to it (the boys version I guess),
but not sure if the Cars Bike was on sale. Bike has training wheels that are removable. Comes in a box, so some assembly required.Costco SKU: 578996
For ages 3-6, height 37" - 46" (ie, height of your kid).Reference link on Amazon.com, regularly $99.REFERENCE LINK
Found out today that my cousin was 35k in the hole in credit cards. When I talked to them yesterday, she only thought it was 20k - so suffice to say, not the best grasp on finances. How you forget about 15k in credit card debt... moving on.Resides in Pennsylvania, married, no real assets (2 cars, one is paid off, other has 3k left on the loan, car is likely worth less). Renting. Owns a timeshare. Has a decent job with benefits - husband is a cop, keeps getting scheduled for 39 hours a week so the department doesn't have to give him full-time benefits.I'd like to help, in two ways -- one, to help her figure out the best option, which I'm thinking is probably bankruptcy. She made an agreement with one of those credit consolidation places (how many bad financial decisions are we up to now?), nut is $830 a month, debt will be completely gone in 6 years. That $830 though puts a serious strain on their finances and she's unsure if she can keep up with it. One kid. They'll basically have to get by for 6 years with no financial cushion - I don't think that's realistic. Some sort of unexpected expense is going to come in, they'll miss payments, rates get jacked back up, and they are probably forced into bankruptcy when they could have just gone that route from the start and saved up.The second way I'd like to help is trying to educate them so they don't get themselves back in this situation. This is probably much much harder.I told her to at least call a bankruptcy attorney tomorrow and talk to them. She has one of these $830 payments coming up Wednesday, and if it's in her best interest to skip it, she probably should. $830 is a lot of money up here in rural PA.Thanks for any advice.
This is the first time I've started a thread here, I've been educating myself here for a while. As many readers here have attested, this is an amazing source of information. At first it was AORs, 2% Schwab, then the 5% AARP visa, funding a bank accounts with credit cards, of course the mint counts, then the bazillion signup bonuses in 2011 (including the American Airlines ones)), all along reading, reading, reading.I've amazed myself at the mountains of dumb financial decisions I've made in the past, but looking to make smarter decisions going forward.Anyway, here is what I'm looking at.Current mortgage balance: $29k @ 5.875% with 10 years remaining. Our financial situation is such that we can't afford to pay much more than the regularly scheduled payments.I bought the home in 2007 with a regular mortgage and $185k HELOC (dumb decision). I paid off the HELOC (it has $0 balance, $185k credit line) and it's just sitting there. Every now and then I get a statement from the bank stating that my balance is zero, and I usually just read the first page then file it away. I had forgotten about the interest rate on it (dumb, I know).Now, I'm reading about 0% BT CC, refinancing mortgages, and other things of that sort. Honestly I have to say one not insignificant factor was wanting to put my mortgage onto a HELOC so I can have an easy zero % BT, even though it's probably not going to make that much $$$. I just can't stand the thought of easy money of this sort not being made BY ME. I get the feeling I'm not alone in that sentiment.Anyway, with interest rates so low I read that I can refi my mortgage into a fixed rate PenFed HELOC @ 4.24%. Great, I look into it, since I'm a PenFed member (also NFCU fwiw). The Penfed 60 month deal looks great but we can't afford the 60 month payment plan currently. Then I get the statement from my $185k HELOC bank. It is 3.25% APR, variable rate. Obviously, the low rate is attractive, but the variable APR scares me. I'd like to pay off the house in 10 yrs or less without increasing our monthly payment too significantly. I also don't want to get hit with a rate hike. Going with PenFed 4.24% APR 10 yr fixed HELOC will allow us to accomplish this. Another factor I'm considering is that I'd like to roll DWs student loans into this. Hers are at 2.625% and she has about $34k remaining. I project about 13 yrs remaining at the current rate we're paying (which is just barely more than the minimum monthly rate on her plan). My FICO is above 800. DW is somewhere in the 700s, haven't checked in a while. So - that's my story. I'm long winded.What do the FWF folks think I should do?
This is kind of an off the wall question, but I'd appreciate any feedback from the FWF tax experts. I was thinking of borrowing some money and was wondering what the tax consequences to me would be if:1. the debt's interest rate was link to the stock market performance (say the S&P), and
2. could be redeemed at either parties requestThis seems to be how Exchange Traded Notes (ETNs) are structured (see here). Would I be correct in saying that the tax consequences would be:1. capital gain treatment for the lender (short or long depending on holding period)
2. investment interest expense as an itemized deduction for borrower (realized at payment/redemption)Thank you in advance! If this works the way I laid out, I'll have more to say about possibly useful applications .
Updated - Jan. 22, 2012http://www.cflticketxchange.com/Here is the story:I am going to Orlando from Los Angeles on a vacation with my dad. Long story short, we want to go to DisneyWorld and Universal Studios IoA. I came across this site on craigslist and they sell tickets about 40% off retail which is the average CL seller (except this is a "company" and not a person). They say its not a time share or ticket broker, but they just buy tickets in bulk and can sell it for cheap.Part that worries me:
To buy tickets, you must call them and buy tickets over the phone (no online ordering) and they ONLY accept greendot card which is a prepaid giftcard basically that you buy from your local WalMart/Walgreens etc... Once you pay for it giving your prepaid card number, they email you a confirmation with your tickets that you pick up at will call at the park. So my question is, is this site legit or should I stay away? I tried researching the site for fraud sales or happy customers but I came up empty handed. Is it worth the risk to try it out if I find no feedback? I would be saving about $400 which is a lot for this trip. I don't really trust meeting with people because on CL, there are a lot of fraud reports from other users. Anyone have any suggestions?
EDIT: UPDATE 1-22-12Ok, I am not back in Los Angeles from an amazing trip. This is how I saved money at the parks just in case you wanted the best price tickets....
Pirate Dinner Show
This one I thought I got a bargain by getting $15 off each adult ticket and getting BOGO free drink coupons by going to my hotels ticket booth and sweet talking my way into getting a lower price. I then found UCT had it for $20 off face value but no drink coupons so I call it a wash there. Show was alright, more for children IMO because they grab kids from the audience to help with a lot of the show and go on stage. No amazing stunts or acrobats or even choreography that was good. Food that was included was so so. You don't get to chose, they give you salad/soup, rice chicken and pork. We got to take pictures with the cast though afterwards which was fun.WonderWorks Museum
We got these tickets also from my hotel which was $22 per person plus 10 free tokens plus 1 free glow in the dark maze coupon which saved us about $10 each. Retail is $25 just for entry and about $7 for the maze. This place is a must see for all ages. They have many hands on activities to do and see. Really fun time, and bring a camera here! I couldn't find any better deals but was told AAA office might have it for $15 but we didn't want to drive all the way there on a gamble.Disney World
I bought these tickets by driving to the Kissimmee Florida Hospital and going to their gift shop at 9:30am (they open at 9am). I was told that they receive Disney World 1 day base tickets once in a while and gift them out if you make a $70 donation or greater but they sell FAST. I called at 9am and they said they got a batch in but won't last until 10am so we drove their and arrived by 9:30am. We donated $300 and got 4 tickets. No tax or anything here, could've done it for $280 if I wanted. They give you hard tickets here that state on the tickets they are from the hospital and good for 1 day (NO UPGRADES ALLOWED AT PARK). But we didn't want park hoppers anyways...
Universal
The cheapest way I found these tickets were by going to guest relations and letting them know my dad has trouble walking (he is 65 and had some surgeries) and they gave us a 15% discount on the tickets we bought. They stated that they do this for any handicapped or disability person or group (no proof was required but I don't know if we just got a nice girl or not). 15% off was cheaper than any broker I saw online including undercovertourist (UCT). Now, I am not saying go lie to them and make something up, but if you legitimately have someone with any type of disability, then they should honor it up to 6 people in the group. Inside the park, AAA card came in handy and got us 10% off everything we bought. My mini review coming from Disneyland/Universal in CA... (skip this if you care only about prices and savings)
First, just a little about me so you know where I am coming from. I am a 25 year old male who enjoys rides as well as shows and loves theme park hopping. I will try to be as unbiased as possible. I do enjoy extreme coasters (like Magic and Knotts) as well as detailed, theme rides (Disney or universal). I go to Disneyland about 3-4 times a year, Universal about 3-4 times a year in CA.Animal Kingdom - Much like the LA zoo, its a giant zoo with a few rides. If you are a ride enthusiast, skip this park. The 3 decent rides they had were Everest, Dinosaur and a safari ride.
Everest is EXACTLY like "The Mummy" ride at universal studios, except duller. A very short roller coaster ride that you go forwards on, then backwards for a few drops. This is suppose to be their "big" main ride. Or you can compare it to Matterhorn in Disney, but 1/8th of the track time and a short backwards part. Has the same Yeti snow mountain theme.
Dinosaur was a bit better for me. This is basically Indiana Jones except with a dinosaur theme and shorter as well (all the rides are sooo short!!). You sit in a jeep like Indy and go trying to find a dinosaur while the jeep is taking you on bumps and sharp turns. No spears get thrown at you though and no steep drops under a boulder.
Safari ride is an enjoyable family ride that takes you out on the back side of the park through their little "Africa" while the tour guide points out animals and facts. This is very similar to the tram ride at universal except instead of Hollywood sets, you are looking at animals. My tour guide sucked unfortunately and was driving fast so pictures were hard (we caught up to the tram in front of us while no tram was behind us). And he was not delivering his lines well (which is understandable, its a hit or miss at any park).
I did go on ALL the rides, but I am not gonna waste my time riding about the others.
The shows, on the other hand, were AMAZING. 2 big shows, Finding Nemo the musical and Lion King were both great! The only thing in CA that I can compare these to would be the Aladdin show in California Adventure. Finding Nemo I enjoyed much more, I would have actually PAID to see this, about $40 I would say. Its a full set, full production show about 40 minutes long. I have never seen the movie, but this show was still amazing. Its people holding full size props while singing and controlling them. After a while, you don't even notice the people, but focused on the props! Lion King was also great and funny. They sing all the traditional songs from the movie (which I loved when I was a kid) so it really brought back memories. Lion King is performed in the center of the room so you sit in a circle around it, no bad seat in the house.Animal Kingdom, although was disappointed in the rides, made up with it in the shows.Epcot
I won't go into detail on the rides here because most overlap with Diseyland/CA (soarin, test track, american adventure, captain EO). I skipped all those because I assume they were the same. The new rides were also great and wish they brought some to the west coast. Spaceship Earth and Mission space were both really fun and unique rides. This park is a solid B+ overall. They have a good variety of rides and great photo moments and food from all parts of the world as well as buildings in the little "countries" they created. What I enjoyed most and also found most interesting is the workers! They actually fly over people from their native countries and pay them to live and work there for a year! I had a chat with one of the girls who they brought from Morocco and she said they flew her out to just talk and be there. Each country has workers to make it more real. All the food was great too! I recommend you eat as little as possible to try all the variety of foods they offer from the different parts of the world. The only thing this park lacked was shows which I can't blame them. They fit so much into an already big park which is tough to do in one day.
Universal - Islands of AdventureBy far, the BEST theme park I have EVER been to. I wish they had IoA in CA. Each ride there is so unique and unlike anything else. I don't want to write to much because this isn't my blog and none of you probably care, but the 2 best rides I have ever been on are Spider-Man and Harry Potters Hogwarts castle. I would like to meet the geniuses who designed these rides.
Spiderman is a 3D moving ride that includes not only a 3D movie, but real props as your car moves through the track. I thought it was going to be like Simpsons the ride (stationary 3D ride that just moves the car on a fixed spot). But no, this ride takes you through an entire rollercoaster style ride while involving fire, water, smoke and taking you through an adventure.I thought it couldn't get any better but then I sat on Harry Potter! Oh boy, this is similar to Spiderman but version 2.0! Although no 3D, it takes you flying through the air also involving movie screens in spots as though you are flying in the air while playing quidditch, and then taking you through real props as you fly away from demontors, dragons, the whompping willow! I can not describe the thrill these rides brought when I thought the best thrills I got were from my previous favorite rides (Riddlers Revenge and Goliath at Magic Mountain). But these rides, although not intense roller coasters, brought more joy and more thrill in me than any other ride. I can ride these multiple times (in fact, I did ride each twice). The Hulk was their intense roller coaster, and although not as big or scary as Magic Mountains, did provide that feeling of fear when it shoots you at the start going upwards (which is similar to Superman at MM). Also got to give a shout out to the other rides, Ripsaw Falls (this puts splash mountain to shame!) and Pop Eye and Blutos water ride (this also puts roaring rapids and bigfoot waters to shame!) The rides at universal were just other rides I've been on but on steriods! BRING SPARE CLOTHES OR A PANCHO IF YOU GO ON THE POP EYE RIDE AND TAKE YOUR SHOES AND SOCKS OFF!!!! You will get drenched no matter where you sit.
Anyways, had a blast!
USB 3.0 makes it even hotter??!!Plus tax if applicable.LINKYWith a $25 off $100 coupon purchased from various places for under $2. you get it for $84.99. plus tax.I have searched several times to see if this deal was posted, and I cannot find it. If this is a duplicate, please just delete it. Thanks
I was looking for a rolling pin to make some cookies and came across this nice multi-purpose alternative on Amazon. The reviews are quite good.Pastry Pizza Roller: $3.96
Was about to buy one of these on eBay for $18.95 when I found them at Staples.com for $6.99! Seen them for $9.99 a while back but $6.99 w/ Free Shipping is a great deal!Link to Item
Went to a home renovation expo yesterday at a convention center, and a time share place was there.Got a 4 night stay at their location in Williamsburg, VA next month for $289. It was good for anytime in the next year, but I already had a week of vacation scheduled for next month and have been looking for something to do.Its at "Kings Creek Plantation". Part of the gig is we have to sit through a 2 hour sales pitch on the whole time share thing, but whatever. Not interested, but I'll let them talk. We get a $50 visa GC afterwards though, so I'll sit down for $25 an hour and let them try to sell me on it.Taking my two 10 month old twins.
Any advice on things to do in the area at that time of year? I know there is a large outlet mall nearby, and my wife is interested in hitting some of the baby clothes stores.Also plan to drive to VA Beach on one of the days, go through the tunnel under the bay in Norfolk and if its warm enough walk the boardwalk on the beach.There is a large indoor pool included at the location, so we'll be hanging out there a bit too.Any other suggestions on things to do?Thanks!
I searched and didn't find an current active Sirius XM postIt has become that time of year again when I have to renew my Sirius subscription. Of course I refuse to pay the regular renew rate of $36 for three months. My 5 mo for $25 was set to expire tomorrow, so I called 866-635-2349 and requested to renew this promo again. They agreed and its all done.....
This WAS $1999.99 on Black Friday! But, use coupon hhgives5 and receive 5% off making it $1899.99HHGreggThe Sharp AQUOS LC70LE632U 70" LED TV supports stunning high-definition images up to 1080p. Enjoy single-cable connections to your components with 4 HDMI inputs and playback of video, music and photos via the USB port.
Smart TVGet a world of instant entertainment on this smart TV. Connect to the Internet and stream movies, listen to music and access a wide variety of other content on your HDTV.
Learn more about smart products.What's Included Sharp AQUOS / 70" Class / LED / 1080p / 120Hz / HDTV
Stand
Remote
Owner's manualProduct Features 69-1/2" screen measured diagonally from corner to corner
For optimal viewing in large rooms.
Sleek piano black cabinet
With subtle recessed bottom-mounted speakers for a stylish design.
Ultraslim design (3-1/2" deep)
Ideal for wall mounting (with optimal wall mounting kit, not included). VESA 400mm x 400mm compliant.
Smart capable
Features access to Netflix, CinemaNow and AQUOS Advantagesm Live.
120Hz Fine Motion Enhanced
For the ultimate in fast-motion picture quality.
1080p display
With 1920 x 1080 resolution provides sharp, high-definition picture quality.
X-Gen LED Panel
Designed to minimize light leakage with a wide aperture to let more light through, providing a high contrast level.
Two 10W speakers
Provide a lush soundscape.
Inputs
Include 4 HDMI, 1 component, 1 composite, 1 PC, 1 RS-232C and 2 audio.
4 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
PC video input
Lets you connect your computer to experience high-resolution images.
Built-in Ethernet port
Lets you connect your TV to your home network.
USB port
Allows for playback of video, music and photos with the built-in media player.
Spa Value BundleIn this Olay Skincare Value Bundle with Olay Device, Indulgent Spa Gift Set and Bonus 1 year Magazine subscription:
Olay Indulgent Spa at Home Gift Basket with Bonus Free Magazine Subscription (Value Saving $28.00 + Coupon Booklet for additonal savings)
Olay Prox Adv Cleansing System 1 Ea
Fry's Electronics (Brick & Mortar and Web) has a set of Corsair ValueSelect 16 GB RAM (2 x 8 GB) - Model - CMSO16GX3M2A1333C9 - on sale for $109.99.Specs are:
Cas Latency: 9
Timing: 9-9-9-24
Voltage: 1.5V
Multi-channel Kit: Dual Channel Kit
Speed: 1333 MhzFYI, others had reported that this RAM was compatible with MacBook Pros from 2011, and I can confirm that it works (so far, at least) in my Early 2011 MPB, successfully reporting 16 GB. Fry's SKU # is: 6932057Link: http://www.frys.com/product/6932057NOTE: I believe that pre-2011 Macbook Pros have a maximum RAM limit of 8 GB - but please verify for yourself before purchasing. Mods, if this is a repost, please delete. Searched and couldn't find any reference.
=http://www.newegg.com/Product/Product.aspx?Item=N82E16826104330=Logitech G27 Racing Wheel
$30 off w/ promo code EMCNJHN29, ends 1/26
In stock. Limit 5 per customer.
was: $309.99
$239.99
save: $70.00
FREE SHIPPING (restrictions apply)
For your kitten or puppy, with a starter kit. And For your adult cat or dog, when you redeem weight circles for checks. While the adult food requires a purchase to get the free food, the kitten or puppy food is free with no purchase required. I was trying to find any kitten freebies for my niece who got a kitten for Christmas. I came upon this and realized that between my sister and I, we could register our household for the Pro Club Cat program. I requested a Kitten Chow starter kit and a Pro-Plan kitten starter kit, and the kits arrived Friday. Each kit came with a handy folder with files to store medical records, photos, etc. There are medical charts included to record vaccinations, surgeries, etc. Each kit came with a coupon for a free 3.5 lb bag of kitten food. Kitten Chow came with one kit, Pro-Plan Kitten food came with the other. There is also a $2 off coupon in each kit as well. You do have to qualify, this is the qualifications from the website:Purina Pro Club said: If you personally care for 5 or more dogs, 5 or more cats or breed one litter per year, you're eligible to join the Pro Club Inner Circle. Please note that Pro Club is a program for individual breeder/enthusiasts, not institutional organizations, such as rescue groups, humane societies or animal shelters. It's free and easy to sign up. Just fill out the form below, click "Next" and start taking advantage of the many benefits.The club also provides a points program, save the weight circles from bags of Purina food and earn points that you can redeem for checks that can be used towards future food purchases and other items. So you could get free food as well in the future. Hopefully this will be useful to those of you with large numbers of dogs and/or cats living in your household.
My mother recently sold her restaurant and after paying off loans from family she basically has nothing. I'm now supporting her financially as I don't want her working anymore (365/12hr a day for 25+ years is enough). One thing she's been paying for is a Variable Universal Life Insurance policy and I'm debating if I should continue paying for it or cash it out. The policy is a Metlife Flexible Premium Multifunded Variable Life
Date of Policy: April 2004
Age at Issue: 43
Risk Classification: Select Preferred
Final Date of Policy: Anniversary at 95
Face Amount: $250,000
Death Benefit: Face+Cash Value
Accumulated Value: $8,875
Surrender Penalty: $1,425(reduced to 0 by year 15)
Premiums: $135.00
Total Monthly Cost of Insurance: $46.29
Total Premiums Paid: $12,555
Expense Charge: 5.5% of Gross Premiums Received
Admin Charge: $10/monthThe insurance contract has a table with guaranteed maximum rates and according to the table for her current age (51) it is $97.50. Health wise my mom was diagnosed with diabetes a few years ago and has been mostly ignoring it so the select preferred status doesn't apply to her anymore but I don't think the policy risk class changes as far as I can tell.
From my search of previous threads on life insurance I know that UL are pretty bad but in this case she has already had it for awhile and paid for some of the upfront fees such as $35/month admin for first years vs. $10/month now. My dad is the beneficiary and the policy was purchase to provide for me and my twin brother but now that we both graduated and have good paying jobs there is no real need for the policy anymore. If I do decide to keep the policy I think I will raise the monthly contribution to $160 as the policy contract states they will waive $5 of the $10 monthly admin fee if I pay at least $160/month. Should I keep the policy as some kind of investment or should I just cancel it and cash out for the $7450. Any advice would be appreciated.
http://www.amazon.com/Cookies-Screams-Halloween-Chocolate-Gift/d...I know-candy from last October-but for that price, it's worth throwing it in with other purchases to get free shipping....
Fry's Electronics (Brick & Mortar and Web) has a set of Corsair ValueSelect 16 GB RAM (2 x 8 GB) - Model - CMSO16GX3M2A1333C9 - on sale for $109.99.Specs are:
Cas Latency: 9
Timing: 9-9-9-24
Voltage: 1.5V
Multi-channel Kit: Dual Channel Kit
Speed: 1333 MhzFYI, others had reported that this RAM was compatible with MacBook Pros from 2011, and I can confirm that it works (so far, at least) in my Early 2011 MPB, successfully reporting 16 GB. Fry's SKU # is: 6932057Link: http://www.frys.com/product/6932057NOTE: I believe that pre-2011 Macbook Pros have a maximum RAM limit of 8 GB - but please verify for yourself before purchasing. Mods, if this is a repost, please delete. Searched and couldn't find any reference.
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
Last Weds we bought 6 bags of Pumpkin Spice flavor and Pecan flavor coffee at World Market for 90 each, on sale because they were holiday items. I used my World Market Explorer number when we checked out. Turns out that these items qualified for their coffee purchase rewards program, doubled because it was Weds. So I received certificates for two free bags of World Market coffee today.World Market in Davis, CA.
These Lodge silicone handle holders are heat-resistant and a great addition to any kitchen. Just slide the holder onto the hot handle and remove pots and pans with ease. The special silicone offers protection up to 450-Degree. Creates a safe and comfortable grip of hot cookware handles. This handle holder is flexible enough to store compactly in a drawer. Available in a rainbow of different colors and is dishwasher-safe. Perfect for the Lodge Logic square grill pan.Link Black $4.73 & Red $4.99 both with FSS on orders > $25, Blue $4.99 Free ship from J&R music.camelcamelcamel doesn't show it lower than $6.48 in its history.
Last Weds we bought 6 bags of Pumpkin Spice flavor and Pecan flavor coffee at World Market for 90 each, on sale because they were holiday items. I used my World Market Explorer number when we checked out. Turns out that these items qualified for their coffee purchase rewards program, doubled because it was Weds. So I received certificates for two free bags of World Market coffee today.World Market in Davis, CA.
Earthtronics/Honeywell L1ECOA198301BDI 8 Watt A19 LED Dimmable Light Bulb
Was 24.99$ - Now 12.99$ Free Shipping, Max limit 5 per customer.Color Temperature: 3000K
Bulb Color: White
Power Consumption: 8 W
Dimming: 0 to 100%Link
I searched and didn't find an current active Sirius XM postIt has become that time of year again when I have to renew my Sirus subscription. Of course I refuse to pay the regular renew rate of $36 for three months. My 5 mo for $25 was set to expire tomorrow, so I called 866-635-2349 and requested to renew this promo again. They agreed and its all done.....
Soft and SilkyThey're only available in L/XL size but with a 30" inseam, I suppose it would be fine for 5'6" - 5'10" ???
Free shipping
Don't forget 4% Fat cashLooks like they tried to unload this with a pre-Xmas aromatherapy package for $10 moreProduct DescriptionSatin Pajamas: Ivory - Like a shimmering cloud of comfort, these satin pajamas are smooth, soft, and irresistibly comfortable. Featuring a full-button front top and pants with a gentle elastic, drawstring waistband, these women's pajamas feature a generous cut that lets you sleep in silky comfort. * 100% Poly Satin
* Machine wash, dry
* Imported
* Ivory color
* 5 Button down shirt
* Full-length pants have an elastic, drawstring waist
* 30" Inseam
FREEBIES/MMsMentos Gum tube 15 ct. UP2U 14 ct., 3/$3 get $1 +UP (on 3) Limit 4
$1 Off Any One UP2U Pack SS 1/1/12 Exp. 3/1/12
Free and $1 MM wyb 3 and use 3 man Qs
The KY looks nearly free with the $2/1 found here
All Products KY
buy 2 get $4 +UP
reg price $5.39 - $32.991 ky $5.39
1 ky $2.69 (b1g1 50%)
= $8.08
- $4 (2 x $2/1 man Qs)
= $4.08 get back $4 +UP (making the cost 8 cents for two) Limit (2) You can make the KY a MM too because these days at Rite Aid if there is an up wyb 2, and the limit is more than one, you can buy 3 and get 2 ups (as if you'd purchased 4)... Also, if the limit is, say 4, you can purchase all 4 in a transaction to get 4 ups...transaction 2, purchase 3 and get 3 more ups, etc. This will only work if you purchase the full limit (or limit -1, limit-2, etc. in following transactions)...if you separate it and buy say 2 in one transaction and 2 in the next, you cannot get additional ups. You can also bypass limits this way, +UP DEALS
Maybelline NY Cosmetics B1G1 50% off, Buy $10 Get $3 Limit 2 **RR**Post Cereals 11-24 oz. or Quaker Chewy Bars 10 pack, 2/$5 get $1 on 2 Limit2Russell Stover Boxed Chocolates 8.25-12 oz. or Whitman's Sampler 10-12 oz., $4.99 get $1+UP Limit 6Folgers 22.6-33.9 oz, $8.99 get $1 +UP Limit 2Energizer hearing aid 8 pack or AA/AAA 4 pack, $9.99 get $4 +UP Limit 2Luvs family pack, $17.99 get $2 +UP Limit 4Nexxus, Buy $15 get $5 Limit 3**RR**John Frieda precision foam, $11.99 get $2 +UP Limit 2**RR**Finesse 7-15 oz, 2/$6 get $3 +UP (on 2) Limit 2Simple skin care (6.99-13.49), Buy $15 get $5 Limit 2Garnier moisturizers/cleansers B1G1 50% get $3 +UP on 2 Limit 2**RR**Loreal youth code or clinical repair 10, $5.00 of regular retail, buy 2 get $5 +UP Limit 2**RR**Clearasil (excludes perfecta wash), B1G1 50% get $2 +UP on 2Limit 4Covergirl lash blast family eye and lip, $7.99 get $1Limit 2**RR**Nicorette Gum 160-170ct/lozenges 108ct, $59.99 get $10 Limit 4Carex roller walker or transport chair, $50.00 off reg. retail get $20[color="green'] Limit 1[/color]Similasan ear/eyecare or Rohto eye drops 13 ml, $2 +UP Limit 4Style Science clip-ons/fit overs, $19.99 get $5 +UP Limit 4
$5 insert couponRenewal men's 3/5 blade razor or cart/women's 5 blade razor or cart., 2/$11 get $2 =UP Limit 4SanDisk or PNY 8G SD cards/flash drives, $19.99 get $3 +UP Limit 2CFL light bulbs 1 pack, $3.99 get $3 +UP Limit 2 **RR**Advil caps/tabs 100ct liqui-gels 80ct PM 32-40, $1 +UP Limit 4 **RR**Conair brushes, $2 +UP Limit 3 **RR**KY, B1G1 50% get $4 +UP on 2 Limit 2 **RR**Just for Men or Touch of Gray, $5.99 get $1 +UP Limit 2 **RR**Schick hydro 1ct cart 4 ct, $7.99 get $4 +UP Limit 2Vicks NyQuil or DayQuil twin 12 oz liquigels 48 ct, $9.99 get $2 +UP Limit 3
There was a multi million dollar class action lawsuit against Visa and MC for incorrect charges for transactions made in foreign countries during the 1990's.In the 1990's I did a good deal of international travel with Visa and MC. $14k spent or so. Reviewed years of records and filled out all of the class action forms.I saved some of the paperwork so I could check up on the lawsuit from time to time during the last 12 years.The settlement has finally been reached. My share... less than $20.There is new second class action lawsuit covering 2000 through 2006. If that check comes, maybe I will have enough to go to McDonalds.
I am curious, driving daily I see a lot of rear bumpers and very often you can spot a small sticker advertising a dealership where that car evidently was purchased. How do dealerships get away with it? Do they give a discount for advertisement?
Do people simply not care?
Will a dealership remove the sticker per your request?Thanks.
I started working as a contractor with no benefits but my hourly wage is good. It's nearly a 30% increase from a previous full time position.
What are the downsides to being a contractor because I'm not seeing any?I still get to bill FT hours every week
All taxes are handled through a third party staffing firm so I get a w2 at the end of the year like you would from a permanent role
I can sign up for health care, dental, and other benefits through this staffing firm for a small monthly deduction (less than $100 per month)When I had a permanent role, the only benefit I cared about was health insurance and 401K matching. I'd rather take the 30% increase in pay over those two benefits as long the contract is for 1 or more years.
I was browsing for LCDs for a friend and I came across what I think is a heck of a deal.Asus 23" LCD for $182.99 with free shipping and a $20 rebate brings it down to $169.99 shipped!For those of you that know about IPS panels this is dirt cheap for an IPS panel.It has the 178o viewing angle
1920x1080
16:9 aspect ratioPorts are:
1xHDMI
1xVGA
1xHeadphoneIt does lack adjustable height it looks like.Still thats a pretty damn good price if you ask me!LinkRebate LinkEdit: note everywhere else has this in the $190-230 range after shipping. So even the base price is a decent deal before the rebate.Note this is not the same as the Asus 24" MVA for $179.99 that I posted. They are two different models from the same line but from two different places.
I picked up this Char-Broil grill today on clearance at Home Depot. The original selling price was $299.sku 453022
Received a check today just shy of $90, from the 'Alston v. Countrywide Financial Corp. PMI Settlement Fund'.Basically Countrywide was getting a kickback from Balboa on re-insured PMI. Rather than admit they violated RESPA BofA/Countrywide kicked 'em $34000000. Beau Coup bucks for the lawyers, $90 for the bankered and shystered.FAQ at link said: ....All Borrowers with Residential Mortgage Loans closed on or after December 22, 2005 through December 31, 2008 that were reinsured by Balboa or its subsidiaries, excluding Borrowers with Residential Mortgage Loans originated by CHL's Correspondent Lending Division or otherwise purchased on the secondary market....FAQ linked at the link.Link to the settlement website
just got a new car - used 2010 ford from a dealer
my credit is new - only one year but its in great condition around 720
i have AMEX discover and Chase Credit Cards
this is my first auto loanloan 10500
down paymnet was 2500
payments 250
60 months
%14 interest ... just looked at the loan papers - nothing about fine for refinancing - the dealer said there is a fine for the first year - might be bs ... is it possible ? in ca ? where is the best place to start with refinancing in my situation ? whats the best rate i can get ? btw - before buying the car - my bank rejected my 10000 loan - reason - self employed less then 3 years ...
I don't know if I'm stupid for not knowing it would be this way, but I sure wished I knew this before-hand....I've traveled a couple times for business, and racked up enough miles on the Miles and More program for a free flight to Japan. My wife and I were planning a trip there, and I thought hey, awesome, we get a free flight!Her ticket, purchased at United.com was $941. My "free flight" ticket came with additional taxes due of $629.08.I'm speechless.
Target has a comforter set (floral pattern) on sale now, online only!http://www.target.com/p/Room-Essentials-Fragmented-Floral-Comfor...Twin extra long: reg price $29.99, sale $10.49
Full/queen: reg price $34.99, sale $12.24 Thread Count: 180
Bed Topper Features: Channel Quilting
Number of Pieces: 3
Includes: 2 Shams, Comforter
Fiber Content: 100 % Polyester
Fill Weight Material: 30 oz
Weave Type: Percale
Decorative Accents: Printed Design
Fabric Treatment: Peached
Care and Cleaning: Wash With Like Colors, Use Front Load Commercial Washer and Dryer, Only Non-Chlorine Bleach, Tumble Dry Low, Remove Promptly
I wish they had this deal going when I was in college! twin extra long comforters are not that easy to find!
My work is sending me to Beijing for a 6-8 month assignment. I would be leaving mid-February. This is my first work assignment outside of the states. Any advice or tips you guys can give me?A co-worker mentioned that I should try to extend my stay to a full year so that I would catch a tax break. He said the first 100k are not taxed if I am outside of the US for more than a year. I was in the middle of house-hunting but I am going to put that on hold for this reason. I was also considering trying to ship some products to South american countries.
Last week it was $799, now $699, but only available in store. Link42" screen measured diagonally from corner to corner
For optimal viewing in large rooms.
Ultraslim design (1-1/4" deep)
For versatile placement options. VESA 400mm x 400mm compliant.
LG Cinema 3D technology
Delivers stunning visuals for a new dimension of entertainment. LED Plus display in 2D provides enhanced contrast, clarity and color detail.
Incredible contrast ratio (4,000,000:1)
For an arresting viewing experience. The widescreen aspect ratio (16:9) provides a complete home theater experience.
1080p display
Provides the highest quality progressive-scan picture possible from a high-definition source.
3D Blu-ray Disc player
Lets you enjoy your favorite 3D Blu-ray Discs and DVDs.
Infinite 3D Surround system
Delivers an immersive listening experience.
Inputs
Include 2 A/V (1 rear, 1 side), 3 HDMI inputs (2 rear, 1 side), 2 component video with audio (rear), 1 RF (rear), 1 PC and 1 PC audio input.
Outputs
Include 1 optical digital audio (rear) and headphone (side).
3 HDMI inputs
HDMI cable not included. High-speed HDMI cable is the only connection that can deliver a full HDTV experience with a full 1080p picture and digital surround sound.
PC video input
Lets you connect your computer to experience high-resolution images.
USB 2.0 port
For quick connection of a digital camera or other USB device.
Useful additional features
Include favorite channel programming, a sleep timer, child lock and closed captioning.
Wasn't sure if to start a new thread or post in tax summary.
Think is better than Tiger direct deals since no rebates are needed and are downloads.
1-Download CA anti virus 6 month free from CA Antivirus plus 6 month free
2-Install download and activate. You activate within program by agreeing to sign-up for auto-renewal(can cancel this later).
3-After activation you receive 2 emails. One from CA showing order confirmation of Anti-virus software($0.00) and second email from TD(Total Defense)
with link for download and key for HR Block Deluxe+efile(no state). Wish it included state as then would be great deal.Also software kind of PITA to install as after reboot CA program would close until an ie9fix patch was applied.
Link to closeouts sectionView each category, and sort prices from lowest to highest and you'll see the $0.01 ones. Much of it is random little parts and worthless PC software, but some items are definitely worth it. At the Rockville store I got a bunch of 80mm LED fans, DS Lite batteries, and 50 tins of Bawls mints...all for one penny per item. They must have thought i was a bit crazy when i was walking out of the store with a bag full of candy for 50 cents.These items should be good at this price in-store or if you order for in-store pickup. Some of the stock counts aren't completely accurate, but most of the items should be in stock. I've had no problem placing a couple of in-store pickup orders only for 1-cent items (aside from some items being low or no stock)...really i'm surprised that they fulfilled these orders.Enjoy!
Thought this was a pretty darn good deal on a highly rated set of cookware from Bed, Bath, and Beyond..First, sign up here for their newsletter, and get a 20% coupon sent to here email. Mine came through almost instantly. They are running a special, get a $50 dollar gift card for every $300 dollars you spend on Calphalon Cookware. I chose the Simply Calphalon 14-Piece Cookware Set. So in the end I got the complete set for $240 (tax was about $20) and a $50 dollar gift card.Couple of side notes. There are other gift card specials going on that might even be better. I was looking at a Anolon set in the same price range, and I believe it had a $75 dollar gift card. Also, the gift cards are available when you purchase online as well, Im just not sure if there is a way to apply the 20% off coupon.Hope this helps someone!
Land of LinkinPrevious low was around $143 in November for like a week. It has been $180 since then.It is hard to find reviews anywhere. I called American Lawn Mower Company for more information, and the CSR told me it is a new product this year.It has similar specs, so I am hoping it is similar in performance to the Toro Power Curve, the SnowJoe and the Greenworks (wider swath at 20 inches) at a much lower cost. I have an Earthwise cordless electric mower that I love, so I thought I would give the company a try again.By the way, we know that an electric snow blower can't hold a candle to your 5-stage, 405 cc Snow Monster, but for alot of folks these do just fine, without the hassle of gas, oil, maintenance and starting problems. Of course there is a cord to get in the way, but I'll live with that.
I was looking through the options for Citi's Thankyou reward redemptions and it looks like the student loan rebate is a good deal at $100 for 10,000 points. I was wondering if anyone has any experience with this redemption option. Does it actually need to be redeemed for a student loan payment or can you somehow get the check deposited in your account. Also, if anyone has any other suggestions on the best way to redeem these points that would be great.
Poetic(TM) Leather Case Cover With Stand for ASUS Eee Pad Transformer Prime TF201 Black $9.95 FSwas $24.95http://www.amazon.com/Poetic-Leather-Cover-Stand-Transformer/dp/...Made by High Quality PU Leather
Stand leather case for Asus Eee Pad Prime TF201
Easy to insert or pull out your device and easy port access
Design for Asus Eee Pad Prime TF201specifically
Provides total all around protection
Each year, The Major League Baseball Players Alumni Association offers free baseball clinics for kids in select cities across the U.S.http://mlbpaa.mlb.com/mlbpaa/events/?type=clinicsRegistration may be limited, so act fast once registration opens for the free Legends for Youth baseball clinic near you.Heres the lineup for 2012 Legends for Youth baseball clinics:January 27: Scottsdale Clinic. Scottsdale Stadium, Scottdale, Arizona February 4: Houston Clinic. MLB Urban Youth Academy, Houston, Texas February 11: Auburn Clinic. Auburn Dixie Youth Park Auburn, Georgia February 18: Beverly Hills Clinic. Central Citrus Little League Beverly Hills, Florida February 18: Sacramento Clinic. Foothill Farms Little League, Sacramento, California March 25: Brooksville Clinic. Tom Varn Park, Brooksville, Florida April 14: Douglasville Clinic. Chapel Hill High School, Douglasville, Georgia April 28: Los Angeles Clinic. MLB Urban Youth Academy, Los Angeles, California May 31: Austin Clinic. Austin Reagan High School, Austin, Texas June 16: Cooperstown Clinic. Doubleday Field, Cooperstown, New York July 17: D.C. Clinic. Nationals Park, Washington, D.C. September 29: McKinney Clinic. The Ballfields at Craig Ranch, McKinney, Texas The age range may vary from site to site, but in general the program is for boys and girls ages 6-15, and you should receive a confirmation email within 48 hours of registering
The purpose of this discussion thread is to gather info from past foreclosure auction buyers. I have read some reports that shill bidders from the auction company will be present to drive up the prices, and thus increase their commissions. Is this true? Is it legal? Im hoping that people who bought foreclosed or trustee sale homes can share their experience and advice. If they were engaged in shill bidding, it's unlikely they would admit to it.Common sense would seem to dictate that if the realized selling prices were low, the auction company would want to publicize it. If final prices are high, they would not want to publicize it. There was a recent chat, where the AUCTION.COM agent indicated flimsy excuses for not reporting final selling prices for their auctioned properties. She claimed AUCTION.COM was not permitted to report sold prices, at the same time admitting the prices paid were public record.Please wait while we find an agent to assist you...
You have been connected to Vicky.
Vicky: Welcome to our Live Chat service.AUCTION HOME BUYER: where can i find a list of properties you recently sold with the final selling prices?Vicky: The recording of a deed is a matter of public record as well as transfer taxes paid on the total purchase price. We are not permitted to provide such information at the request of our clients. Once the property closes, in about 45 days, you can obtain the information directly from the county recorder's office, multiple listing service, or zillow.com.AUCTION HOME BUYER: do your representatives perform shill bidding?Vicky: we do not have shill biddingAUCTION HOME BUYER: if its a matter of public record, then why would your clients not permit reporting the final auction price? that makes no sense
AUCTION HOME BUYER: its public info, as you stated, not privateVicky: it takes 30-45 days for public records by that time we have move on to other auction events
Vicky: but since the information is public records at that time, you are more then welcome to check with them directlyAUCTION HOME BUYER: id like to comment that the fact that you dont report the final auction prices makes auction.com seem shady. if auction.com is the one collecting the winning bids, obviously it would be simple for them to report final sales. that they choose to hide it is a big red flag. anyway, thanks for your timeVicky: as stated above we do not administrate sale price information for the sellers
ProFlowers has Pink Sapphire with free Square Vase & free Chocolates for $39.99 plus shipping. Original price $59.99LinkItem Description: 8 pink roses
4 stems of pink Peruvian lilies
5 butterfly asters
3 stems leather leaf fern
Includes Square Glass Vase and Chocolates
Stands approximately 16" tall
The white and pink tablets are going for 167.20 with code EMPLOYEEPRICE0119. Stumbled on this when I was checking out the deal on another thread. Made a new thread so people can take advantage of the deal.White
http://shop.lenovo.com/SEUILibrary/controller/e/web/LenovoPortal...Pink
http://shop.lenovo.com/SEUILibrary/controller/e/web/LenovoPortal...Came out to 188.27 after tax.Visit Fatwallet.com for more Lenovo coupons and cash back shopping!
Great buy! Just ordered mine - check it out!Was $52.99, Now $33.99!!Enjoy!http://www.amazon.com/Back-Basics-TEM500--Muffin-2-Slice/dp/B000...
- Innovative 3-in-1 appliance functions as toaster, egg cooker, and meat warmer
- Makes a breakfast sandwich in 4 minutes; wide toaster slots; light to dark toast settings
- Automatic shut-off for individual toasting and poaching functions; cancel button
- Easy-to-clean control touchpad; removable crumb tray; cord storage; measuring cup included
- Measures 7-1/5 by 15-1/4 by 8-1/6 inches; 1-year warranty
I need to stop going on a spending spree today. Yet another fantastic deal - a saving of $94.01!!- Programmable bread machine bakes 1-, 1-1/2-, and 2-pound loaves
- 12 preprogrammed menu options; 3 crust settings; 13-hour delay-start timer
- Viewing window; removable lid, pan, and paddle for quick cleanup
- Stay-cool handles; measuring cup, measuring spoon, and recipes included
- Measures 18 by 12-1/5 by 15 incheshttp://www.amazon.com/Cuisinart-CBK-100-Programmable-Breadmaker/...Enjoy!
Thought I'd make my first Hot Deal post a personal favourite!
This waffle maker is great and it's discounted by $45.05 (60% saving!)http://www.amazon.com/Cuisinart-WMR-CA-Round-Classic-Waffle/dp/B...Unsure how long it is discounted for so better grab one soon!Regards
Final share of the day - a high quality deep fat fryer. Very recommended!Saving of $92.01.http://www.amazon.com/Waring-DF250B-1800-Watt-Brushed-Stainless/...
Another fantastic deal on Amazon that I purchased. Was $185, now $84.95.http://www.amazon.com/Cuisinart-CHW-12-Programmable-Coffeemaker-...It's a fantastic product and well worth the money.Enjoy!
TextGE EZ-Shape 8.5-Foot Colorado Spruce Christmas Tree Prelit with 800 Clear Lights
| Item # 87449308287Clearance: $119.00Save: $480.99List Price: $699.99Was: $599.99
Available for store pick up in IL, IN, MI, OH, and KY
I am a first time home buyer and I found a place and made an offer. The seller accepted my offer in mid Dec and we are working on finalizing the contract. When we made an offer on the property, Zillow estimate was 387K, and then as we are finalizing the contract now, the Zestimate keeps raising on a daily basis and has hit 409K. I dont have a realtor, and am suspecting if my sellers agent is actually hiking up the estimates on a daily basis. Although I dont understand why some one would do that or what benefit could be derived from it.Is there a website or a service that would give the approx estimate of the property. We have agreed for a price for 390K and I sometimes wonder if am paying too much.Thanks in advance for the insights.
Some key background information: I was discharged in a Chapter 7 bankruptcy about 18 months ago (with Barclays Bank being a defaulted creditor to the tune of about $14K, and a total default of $140K.) Up until the app-o-rama, I had a score of about 635.A month ago, I applied for an received a credit card from Barclays Bank ($1900 available.) Wanting to take advantage of the clean hard credit pull history, I then applied for about 25 other cards, of which I got approved for 3 (Discover, for $1K, and 2 dinky store only cards.) I recently got rejected for a HELOC, with the reason given that I did not have enough open credit lines (I was told to wait until I was 4 years post discharge, and have 4-6 open lines of credit.) The one constant reason I got for being rejected by all of those other accounts is the bankrupcty ... which is understandable - I have a history of being a deadbeat.So now I come to find out that Barclays Bank has unilaterally lowered my available credit to $1000! How dare they! That $1000 is so low, I can't even buy a transatlantic airline ticket (they have been running about $1200 round trip for the pair of cities I use.) Evidently the reason is because I have too many open credit accounts and too many inquiries.I guess because I am a "loser" when it comes to credit, can I expect to be mistreated by any of my creditors at any time, and with no advance notice, even if I've done nothing wrong? I can understand it if I miss a payment with that account, or even with any other account, but how can my desire to get other credit be considered bad? What should my MO be going forward?
Link meijer has the Coleman Instant Shelter with LED Lighting System for $69 + $24 shipping = $93 shipped. Next best price is Target for $139.99 Features built-in CPX LED lighting with dimmer switch
fast setup and teardown
poly canopy with UV guard.I was able to use promo code GIFTWRAP at check to save 50% on shipping. It originally said it didn't recognize the code, but when I checked out, the discount was reflected in the cart after I entered my all my info, including payment info.
add to cart for $898.20
$70 off $700+ Order w/Coupon BATH70D7
$828.20
Free ShippingText
Spring is around the corner! I've been watching the prices on these electric trimmers and they have practically bottomed out before they'll jump again with March's new inventory. I just picked up the corded Black & Decker GH710 GrassHog which originally retailed for $90 for only $32! The reviews were all over the place, but one guy's review clarified that the issue is with the smaller line diameter. So I followed his recommendation and picked up some .08 trimmer line which was also discounted. (The original B&D replacement spool is only .065 diameter.)Black & Decker GH710 GrassHog ($90) + .08-Inch Trimmer Line ($14) = $104 - discounts = $40.78 If you've got a larger yard, another good deal looks to be the Black & Decker GH1000 Grass Hog XP 14-Inch 7.2 Amp. Price has dropped from $143.09 to only $55. The reviews on this one are all over the place too b/c of a recall. After the Free B&D Recall fix everything looks to be good.Here's the full search with PRICE DROPS: (Sort by B&D and Worx Trimmers/Edgers with Free Shipping)
linkHave a blessed one UPDATE: Fixed links and had wrong trimmer line size linked in post.
Hi All,I moved on November 4, 2011. My lease did not end until the 15th of Nov. However, I requested a walkthrough so I can make sure everything is in order, and that was completed on the 7th (the 6th, but I went into the apt on the 11th).Before I moved out, all emails I sent about a walkthrough and getting feedback to make sure I get a full security deposit return were prompt (almost instant). However, my repeated calls and emails went unanswered immediately afterwards. Whenever I called, they said they are trying to reach the person who creates the damage report and don't have any authority or information. I urged them to get in touch, but even their emails (which they CC'ed me on) went unanswered by the person. It was like he disappeared.Anyway, I went back to collect some mail and checked the apartment before handing over the keys on the 11th. It was cleaned and restored: new paint on the walls and everything. I took photos just in case, and returned my keys.After my lease ended on the 15th, Eric (the walkthrough guy) finally returned on the scene and said there's damage that needs to be repaired, and he is waiting for a quote. I called and get the same thing.Is there anything I can do to get my FULL deposit back? I googled NYC security deposit laws and they say 30-60 days is reasonable, but that it is debatable. I've been nothing but courteous to them and they the same. In terms of damages, I specifically requested a walkthrough and to get information so I could address the issues.Even if I can't get my full deposit back, how can I get my deposit back since it's been so long?SMALL UPDATE: the quote is for replacing a custom kitchen tile, but I have photos of that being pristine with maybe a small stain on it.Thank you so much fellow fatwallet members!
So... who's the first to try to make money from this?From the article:
JPMorgan Chase & Co. has quietly ceased filing lawsuits to collect consumer debts around the nation, dismissing in-house attorneys and virtually shutting down a collections machine that as recently as nine months ago was racking up hundreds of millions of dollars in monthly judgments.[...]Chase knew that about 5,000 accounts had incorrect balance information, and that more than 11,000 accounts on which it claimed it had court judgments lacked adequate documentation showing judgments actually were obtained.
[...][A whistleblower] brought her concerns to her superiors, warning them the bank was violating federal law by intentionally misrepresenting the accounts, her lawsuit states. Nonetheless, she said she was told to proceed with the sale [of the portfolio of 23,000 delinquent credit card accounts to an external buyer].

More here:
http://www.thereformedbroker.com/2012/01/17/robosigning-credit-c...
www.net10.comThen click on Buy Phones and More, then Net10 phones, enter your zip code (works with Atlanta area zip codes and I'm sure many others)Also - for the first purchase - 15% CashBack I believe!This was a Black Friday deal from 2011, but I just wanted to let everyone know that its still available and that I think its a pretty good deal. $30/month on the T401G is a great deal if you don't need smartphone features, though its web surfing wasn't very good. In my area - in Atlanta, GA, Talk and Text service was perfect - never dropped a call or anything. The phone also suffered repeated bruising.$70.00
Samsung T401GIncludes Net10 Unlimited Airtime Card (Unlimited Talk, Text, Web/Email, and calls to 411and 30 days of service) now only $30.00 (was $50.00)
To continue to receive the special price of $30.00 a month for up to 12 months, on your Unlimited Plan you must enroll in Auto Refill on your Unlimited Plan at www.NET10.com within 25 days of activation.WEB EXCLUSIVE - LIMITED TIME OFFER- WHILE SUPPLIES LAST! Earlier deal:
http://www.fullofdeals.com/forums/hot-deals/1142698/
Get 1 FREE Song Download From Smirnoff Like Smirnoff on Facebook and then click where it says Music 5 Song Choices Include:■B.o.B Magic -(Feat. Rivers Cuomo)
■Armin van Buuren feat. Sharon den Adel In And Out Of Love (Extended)
■Wiz Khalifa No Sleep
■Nickelback If Today Was Your Last Day
■Wynter Gordon Dirty Talk
https://www.facebook.com/smirnoffus?sk=app_142597395807137
I know some of us are housewives and does endless amount of work for our family and thats not just from 9-5. Although there is always a great sense of satisfaction for that hard work but on the other hand there is no monetary value to that work. I was wondering how some of you manage to work from home during your day to get some $$, will appreciate your ideas, experience and feedback.
Found this in a Newegg 48-hour specialCorsair Nova 60GBPrice starts at $65.99 and then a $10 mail in rebate.
Rebate LinkSpeed is 270MB/sec read, 240MB/sec write.
Corsair Nova 2 series, model # CSSD-V60GB2This model includes RAID support. so one could buy a pair and using RAID get performance simular to the latest/faster drives but for a few dollars less.The closest I could find describing what chipset it used is a form posting saying it was a "Phison" but I wouldn't call it an authoritative source. The reviews on Newegg are very mixed, so YMMV with this drive. The early reviews felt it was great and then later the reviews become more negative.
Not clear if it is quality control issues or user error after the more tech savvy early adopters used it, leaving the people who need extra assistance to leave reviews.
Still, if someone has a super tight budget this could be a good deal.
I hate what I do for a living (hairstylist). I've done it for 27 years, I'm good at it, but I'm tired of it all. I've tried to get away from it, but always get pulled back in. I actually work 3 jobs (1 full time, and 2 part time in addition to online selling) so I can save enough money to buy a house. I made a move to a new city 2 years ago and worked a crappy part time job as I couldn't find the type of position (teaching) I wanted in my chosen field. When I did find something decent (management) I took it. It's been only 7 months since I started my current job. I'm looking at an FHA mortgage and I believe the only thing that will cause me any trouble is the length of my current employment. (I was self employed in the old city for 15 years). As soon as I'm able to secure the mortgage I am going to quit my job and do what I want to do. (selling online FT, which I've done on the side for 15 years, and be a personal trainer) I also want to stay a full year at my job to get my yearly bonus and vacation pay.
I'm sure others have faced similar situations. It's very stressful to want something so bad, but knowing you have to stick with it as a means to an end. Any suggestions/comments? Any ideas if I will be able to get a mortgage with my current length of employment?
Deal Price: $4.99
Shipping: $5.99
Free store pickup
Ceramic server with glass lid sits in the warmer stand, and placing tealights underneath helps keep freshly prepared food warm. Server is microwave, oven, and dishwasher safe. Tealights not included. Measures 8" x 8".
My first post so bare with me I bought these retro bar stools for my salon from Clearance office chairs. They are really well made and have the gas adjustable mechanism. Free shipping also. Not sure how long the sale last or how many they have, when I called customer service they said they had several at the time and that was about a week ago.Link
Acase(TM)Premium Micro Fiber Leather Case with built-in Stand for Kindle Fire Full Color 7" Multi-touch Display, Wifi (Green) http://www.amazon.com/Acase-Premium-Leather-Multi-touch-Display/...It was $39.99, not it's only $16.99.
Acase(TM) Premium Micro Fiber Leather Case with built-in Stand for Kindle Fire Full Color 7" Multi-touch Display, Wifi (Purple) http://www.amazon.com/Acase-Premium-Leather-Multi-touch-Display/...It was $39.99, now it's only $16.99!!!
So after spending some time in the archives I wasn't able to find a solid thread dedicated to a FW Honeymoon. I've been looking for tips online on how to save the most money on the honeymoon and have found some valuable suggestions already, but I figured that I may ask some of the most savvy people on the earth and hope for positive feedback! My Honeymoon1. No pics.2. Projected to be mid-August.3. I'll be paying for it, neither families can help with this.. Trying to keep the budget under $3000, but have 100k Southwest RR's and 140k Delta Skypesos I'd be thrilled to use.4. We both are fairly naive when it comes to traveling to luxurious beach locations.5. Looking for a resort-like location, doesn't need to have included meals since I think that'd inflate the price.6. Again, no pics.7. Packages seem like the worst possible route to go so far by comparing prices.8. I don't know quite what she wants in a honeymoon, but everytime we've talked it seems like just a beach get-away would suffice. Some time for "romance," this could include a few fun activities, as in, places to go or things to see, but nothing like rock climbing or mountain biking. (we get enough of that in Colorado..)9. Military Discounts?---I am not looking for you to do my homework for me, I'm simply looking for suggestions and tips. To me there are 1000 places I could choose from and I really have no clue where to start.Thanks in advance!
I was looking for a cheap card w/ HDMI ...ASUS GeForce 210 1GB 64-bit DDR3 PCI Express 2.0 x16 Low Profile Ready Video Card, EN210 SILENT/DI/1GD3/V2(LP)
List Price: $44.99
Price: $34.99 & this item ships for FREE with Super Saver Shipping.
$15 Asus rebate expires 1/31/12BE WARNED: I read some negative reviews complaining of rebate problems.Product Features:* Chipset: GeForce 210 Engine Clock: 589 MHz Video Memory: 1GB DDR3 Memory Clock: 1200 MHz Memory Interface: 64-bit
* Bus: PCI-Express 2.0 x16 RAMDAC: 400 MHz Max. Resolution: 2560 x 1600 Connectors: VGA, DVI, HDMI
* Thermal: Fanless Support Microsoft Windows 7 Support NVIDIA PhysX Technology
* Support GeForce CUDA Technology Support NVIDIA PureVideo HD Technology Support HDCP - High-bandwidth Digital Content Protection
* Support Microsoft DirectX 10.1 Exclusive 0dB thermal design dissipates heat efficiently with no noise generated Low profile design
TextAll items ship free using standard USPS shipping and receive a discount of 15% with the coupon : "FREE15" I did a test order using the scoop and it worked on that small item, and that was great for this post. However, it is not limited to that item.The coffee doesn't appear to be competitively priced compared to A mazon, but there are some neat essentials and gift ideas that may interest you. Enjoy!
We have been using a property management company to handle about half of our properties. They are pretty much full service and deal with finding and screening tenants, doing all the paperwork, and handling tenant issues. They have done a reasonable job over the last couple years although they occasionally let some questionable tenants in and have had to do at least two evictions before.Now, I just found out one of our properties was destroyed. Apparently, they evicted a tenant that decided to retaliate. The tenant absolutely destroyed the house: the carpet is destroyed, the tile is torn up, there are holes in the walls you can walk through, they cut and ripped apart much of the plumbing, they literally tore down every light fixture, fan, and smoke alarm, they stole the A/C unit, fridge, and stove, they broke every window and cut every screen, broke most doors, ... , the list goes on and on.The prop. mgmt. company doesn't know about all the damage that has been done yet because they tried to go there and found the doors locked in such a way that they couldn't get in. Also, and here's the most unbelievable part, the rep from the prop. mgmt. co. warned me that they are concerned that there might be some damage since during their screening of the tenant, they found the previous apartment had been destroyed. For some reason these morons rented to a tenant that had been evicted and destroyed the last unit they stayed in.I realize I have to dig out our agreement with the company and see what legalese is in there, but I don't have access to it until tomorrow and wanted to start getting input from the landlords on this board on what your next steps would be. Obviously, pictures are a top priority. I'm also concerned about the steps to take in case I need to go after the prop mgmt. co. and what to do about the rest of the units they are managing. I already know going after the tenant will likely be futile as you can't get blood from a turnip (i.e., deadbeat), as they say.
The original price was around 550 dollars and now it is 499 http://www.amazon.com/ViewSonic-PJD5523w-WXGA-DLP-Projector/dp/B...
Link
Apply Code at checkout for discount: GAR117
Was $99.99Very base model. Awesome price.
I need help clearing up this scenario:Person X and Y are family members that were given the taxable gift limits for a few years by a third family member Z. So lets say they were given 20k each in a joint bank account in their names, for a total of 40k.They each spend an even amount, to bring the total to 26k left in the account. A couple years later they each want to give a maximum taxable gift to another family member A. Since family X and Y have an equal right to their money, can they each withdraw 13k and give it to family member A?I have read through the IRS site, and I could have sworn that I read this was allowed, but now I can only find references to married couples giving joint gifts.Also, is there any truth to the idea that a person shouldn't withdraw or deposit over 10k at any given time? I assume its per transaction or per day or something? Someone told me the government gets notified, but I don't understand why that would be a big deal if you aren't doing anything illegal.99.99% chance I am going to follow up with an accountant anyway, but I have been busy and I just want to make sure I have the above right.
Seems like a nice week.Covergirl cosmetics, Olay Skin and bath care, Clairol, Venus, Pantene, Always, Tampax Spend $30 get $10 Limit1Dove, Vaseline, Caress, Degree, Q-tips Spend $30 get $10+UP Limit2Centrum Men's & Women's, Silver mens' and women's, Specialist Heart, Pro Nutrients Omega $9.99. Spend $25 get $10+UP Limit2Advil, Children's advil, thermacare, Robitusin, Dimetap, Colgate toothpaste/toothbrush Spend $25 get $10 +UP Limit4Pampers, J&J or desitin baby care Spend $25 get $5+UP Limit1Gillette Spend $30 get $10+UP Limit2 +UP dealsSpend $30 on these products get $10+UP Limit1
Covergirl cosmetics B1G1 50%off
Olay Skin and Bath Care B1G1 50%off
All Secret deo, Venus or Satin care B1G1 50%off
Pantene 2/$7
Always, Tampax 2/$11
Clairol Natural Instincts 2/$17
$4/2 Clairon NI in ad RAQ
$5/2 in most sunday papersPrilosec 42ct $24.99 get $6+UP Limit3
$1/1 MQ in most sunday papersVicks NyQuil or DayQuil, Vaporub, Sinex nasal spray $5.99 get $2+UP Limit3
$1/1 MQ in most sunday papersPalmer Valentine Bags 2/$2 get $1+UP on 2 Limit2Russel Stover chocolates $5.99 get $1+UP Limit4Artificial Lashes Buy $10 get $3+Up Limit 4Bonne Bell cosmetics and Jesse's girl Cosmetics buy $10 get $3+UP Limit2All jewelry and cosmetic bags buy $15 get $5+UP Limit4All artificial Nails buy$10 get $3+UP Limit2Simple Skin Care B1G1 50%off get $2+UP on 2 Limit2L'oreal Skin Care $11.99, buy $15 get $5+UP Limit2Spend $30 on these get $10+UP Limit2
Dove shampoo/conditioner/stylers 2/$7 get $1UP on 2 Limit2
Dove 4pk bathbars or body wash 24oz, Vaseline lotion 24.5oz $5.99
$1/1 in most sunday papers
Caress Body wash, Vaseline lotion 10oz $2.99
Dove body wash 12 oz $3.99
Dove or Caress bath bars 8pk $9.74
.75/1 in most sunday papers
Q-tips 2/$5
Dove/degree deo B1G1 50%off
Qs in most sunday papersClairol Nice'n Easy Color blend foam hair color $8.99 get $1+UP Limit2
$2/1 MQ in most sunday papersOld Spice Fresh Collection and Red Zone Antiperspirant/deo or Body Spray, Gillette deo, Gillette/Old Spice Body wash 2/$8 buy 2 get $2+UP Limit2
$2 Q any Bodywash or Body Spray Jan. P&G exp. 1/31/12Buy 2 of these items get $2 +UP Limit?
Crest Toothpaste 4.0, 4.2, 4.6, or 6.2oz
Scope Mouthwash 250mL
Oral-B Advantage, Complete or 3D Toothbrush Manual ?ctBuy these items get $10+UP Limit1 $49.99
Crest 3D White Professional Effects Whitestrips 20ct
2hr Express 4ctSpend $25 on these get $5+UP Limit1
Pampers Diapers or Easy Ups Jumbo Pack $9.47
Pampers Baby Wipes 64-72ct $2.99
-$1 mfg coupon in Sunday paperJohnson & Johnson or Desitin Baby Care excl, trial size, Rite Buy or clearance stickered items B1G50%offSpend $30 on these get $10+UP Limit?
Gillette ProGlide, Fusion or Mach3 cartridge refill 4-12ct
Fusion Shave Gel 7oz
Series Shave Gel 7-9oz
Fusion ProSeries or Gillette Skincare/Aftershave ProductsBuy these items get $4 +UPLimit1
Schick Hydro 5 Razor or Refill, Hydro Power Select or Hydro Silk Razor $9.99**Mucinex +UP deal (Cant read)
**Advil/Colgate +UP deal (Cant read)Buy $10 of these items and get $5+UP Limit?
Scunci or Conair Hair AccessoriesBuy these items and get $4+UP Limit 2
Clearblue Easy Pregnancy Test Kits (cant make out small print)
Ovulation KitDelsym for Children or Adults 3-4oz $10.99 get $1+UP Limit 4?Buy $6 of these items get $1+UP Limit?
All Rite Aid Dose Aids (includes Pill Reminders, Tablet Cutters and Droppers) regular retail $2 and above B1G50% off
B1G1F Deals
EcoTools Beauty Tools or ? Image MirrorsB1G1 50% off
Almay All Cosmetics (SCR available)
Revlon Colorstay Cosmetics, excludes clearance items ($2 SCR available on Revlon Foundations)
LOreal Paris all cosmetics
John Frieda Frizz Ease, Full Repair, Root Awakening, Brilliant Brunette, Sheer Blonde or Luxurious Volume
Johnson & Johnson or Desitin Baby Care excl, trial size, Rite Buy or clearance stickered items
All Rite Aid Dose Aids (includes Pill Reminders, Tablet Cutters and Droppers) regular retail $2 and above B1G50% off
This came in an email from Oakley Vault this am. It had a link to this page with men's discount sunglasses and lenses. Here's what the page had as of 10 am
Jan. 17. Free shipping with orders over $100.http://oakleyvault.com/catalog?N=7+100812+101078&Nao=0&cm_mmc=di...VOLTAGE 2
$49.99 Was $150.00VOLTAGE 4
$49.99 Was $150.00ROTOR S
$49.99 Was $140.00SHIFTER 2
$49.99 Was $140.00ROTOR 4
$49.99 Was $140.00ROTOR 4
$49.99 Was $140.00HIJINX
$69.99 Was $180.00JUPITER LX
$59.99 Was $150.00SIDEWAYS
$59.99 Was $140.00Stanley Donwood Polarized Jupiter
$109.99 Was $225.00Country Flag Fuel Cell
$65.00 Was $130.00FROGSKINS
$50.00 Was $100.00MONSTER PUP
$45.00 Was $90.00POLARIZED TITANIUM SQUARE WHISKER
$149.99 Was $275.00Ten
$59.99 Was $110.00Polarized Straight Jacket
$99.99 Was $180.00Polarized-Fives Squared
$79.99 Was $140.00Polarized Split Jacket
$149.99 Was $260.00Scalpel
$69.99 Was $120.00Polarized Half Jacket
$99.99 Was $160.00Polarized Split Jacket (Asian Fit)
$182.00 Was $260.00Polarized Jury
$175.00 Was $250.00Polarized Half Wire 2.0
$154.00 Was $220.00Polarized C Wire (2011)
$154.00 Was $220.00Polarized Crosshair 2.0
$154.00 Was $220.00Split Jacket
$140.00 Was $200.00Jury
$140.00 Was $200.00Split Jacket (Asian Fit)
$140.00 Was $200.00Polarized Fives (2009)
$105.00 Was $150.00Crosshair
$105.00 Was $150.00DISPATCH
$98.00 Was $140.00Holbrook
$91.00 Was $130.00plus various replacement lenses
JC Penny has a toy workbench for $4. The reviews (both of them) are mixed, so you can take your chances. I know my two year old can destroy a great toy in one day, so I never expect them to last too long anyhow.Here's the link to JCP.You can get free shipping to the store with code FREESHIP.I bought one for my daughter's daycare.
While I was shopping for the $11 Coleman folding table, I also found the SKLZ folding bed (bar code 831345007627) for $11 & Arden Outdoor mattress (bar code 034648255997; sku 520395)for $10. The bed and mattress are very narrow that one using for camping.
This was up a couple of weeks ago but they went OOS. They are back in stock and still $99 & free shipping.
Online only special no BM.LINK
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.
Just thought i would post a REMINDER to those with VISA REWARD POINTS to check their balance.The lady at the bank told us something about rewards when using our VISA debit cards but I had forgot all about it until the other day. I called in to check if a check had cleared and the lady mentioned I had quite a few points accumulated and should use them before I lost them. i was told I could qualify for quite a few gift cards or even an Appple IPAD! So i went to the rewards website typed in my card and VOILA.... i qualified for over $800 in giftcards! I then checked my spouses card from the same account and saw they qualified for $700 worth of gift cards. I transfered the balances to one account and now am awaiting $1500 in gift cards to arrive and that still leaves few points in my account!So while I'm loving that the bank informed me ..... i'm WISHING I hadn't been so stupid because i lost about 200,000 points because I didn't use them before they expired !
CHECK YOUR POINT BALANCES.!!!!!!!
Ames Water Genie on clearance at my local Delaware Home Depot store. Was $29.99 clearance price is $3.97
was located out side in the garden center. I was shopping the Newark, DE store, had about a dozen in stockSKU is 208-756 Sells on Amazon for $18 ( AMZ link for reference)
Picked up a DeLonghi super automatic expresso machine (ESAM 3300) at Sam's Club yesterday for $288.01 + tax. Was the last one in the store - usually sells for over 500+, Amazon is over 850. YMMVhttp://www.delonghi.com/us_en/products/esam-3300/Receipt and price picture at local sams club included
Was looking for a cheap HTPC case came across this.Newegg has this htpc case good for budget/beginner HTPC build.Link Here$69.99 - $5(NMED116 Exp 1/22) = $64.99 Free Shipping
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $2.00 Coupon
Add 'Tide Stain' to cart for $27.88
15% with Subscribe & Save
$2.00 off Coupon
$21.70
Free shippinghttp://www.amazon.com/dp/B002C7419K/
Earthlink dialup offer link
While I really have DSL at home, I have maintained my Earthlink unlimited dialup account as a backup for years. I agree the $21.95/month for 7 email accounts is expensive, but that is the cost of having a necessary backup and there are family issues that keep me on it when I would have otherwise gone a cheaper route.
The link above offers a year commitment at $14.95/month. (first month free)
It also offers a prepay 12 months for $150.00 = $12.50 per month.I believe the offer is intended for new business, but I was able to obtain the same offer via the account billing on line chat AFTER I logged into my billing email account. I told them truthfully that I had attempted to get the offer on line, but had difficulity as an existing customer. The agent first tried to sell me a year at the higher price. I indicted I was trying to do the $150.00 offer. After verifying the offer, the agent agreed and took care of it by repricing my Earthlink unlimited dialup pricing and then processed the year at the $150.00 as advertised.ADDED BONUS (IMO): I was paying $1.95/month for double the email capacity on each of two email addresses. This agent in the effort to upsell offered me 6 times normal email capacity for the same $1.95/month per email address. While this may be expensive to some, the new arrangement to me is a substancial savings.I placed the order on my Citi Dividend Rewards MC card. That card includes a 5% CashBack on utilities including internet service this calendar quarter. That will result in a savings of $1.00 per email address.YMMV depending on the agent you get. Historically, Earthlink has set up such promotions for a limited time and then not had them for existing customers. How long the offer will stay up this time is uncertain. Will they have a better one? Maybe...unknown.
EDIT: NEVERMIND Just noticed this "A Temporary Card is the initial prepaid card you purchase with cash and load with an amount between $10 and $500." Sorry!Was just at Ralph's and noticed the attached sign advertising $500 debit cards for $3. The ad says Load your Tax Refund but I came home and found the following site detailing these Kroger Visa prepaid debit cards, and there is no mention of tax refunds, etc. The site also states that you can purchase a recharge card for $3 for up to $1000 load. I have not confirmed that you can purchase these with credit card, but they don't charge the $3 fee to load with cash, so I assume that means the fee is for credit purchases. Kroger Personal FinanceAlso you get 2x Ralphs points when using the card.
I received an offer in the mail for a "BankAmericard Cash rewards" Visa credit card from Bank of America several weeks ago and finally took a look at it and am now on the fence about whether or not to apply (I am currently using Chase Freedom's 1% on everything for everything except Gas and Restaurants - for those, I use my Costco AMEX, which gives me 3% and 2%, respectively). This is a targeted offer and lists a 15-digit "personal secure code". The card offers the following:
- No annual fee
- 3% CB on gas
- 2% CB on groceries
- 1% CB on everything else (unlimited)
- $100 CB bonus (after $500 spent in first 90 days)
- 10% bonus on all CB if it is deposited into my BofA checking acct
- Can enroll card in "Add It Up"A bit of background: I don't have a typical FWF income (currently am a bit under $50k), so I can't rack up thousands of dollars in charges consistently every month (and can't pay rent with credit card without getting hit with a $30 fee). My SSN is also very young, but I do have a several-year credit history with BofA and my CK score is around 730. My credit card balances are always paid in full. I currently have bank accounts with BofA (no physical locations in my current state), WF (they treated me poorly, so I only have the account because I didn't want to close it), and USBank (have treated me very well and have a branch just up the street if I need anything). My current credit card lineup is: Chase Freedom Visa (primary card, used for everything), Costco AMEX (only used for gas and dining out), USBank FlexPerks Visa (was my primary card until I was accepted for CF, now not used), and a regular BofA visa (don't use it anymore).I am very interested in programs that offer points with more "potential" than a simple 1point:1cent conversion (and that preferably don't expire yearly), which is why the Chase Freedom card appealed to me (not to mention the 30,000 point bonus after spending the first $500!). I remember reading about a BofA Visa offering $200 back with $500 spent and about the Fidelity Visa (AMEX) offering 1.5% (2%) back on everything, but don't know if this is better than either of those. There's also always the Chase Sapphire Preferred card with the 50,000 points after spending $3000 in 3 months that is appealing to me, but I've been hesitant to apply for cards that have annual fees. Your thoughts are very much appreciated. Please let me know if there is any other information that would help clarify my dilemma. Thanks!
0 Posted By: FatWallette
Views: 697 Replies: 1



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Target has a lot of their Christmas items on clearance, and this "joy" snowglobe is one of themhttp://www.target.com/p/Decorative-Waterglobe-JOY/-/A-13713367#?...Reg price $14.99, now $10.48 = $30% off!I know Christmas is over already, but if you're a collector of snowglobes like me, then you can always purchase them ahead of time and use them next year! I don't have a Christmas snowglobe in my collection yet, so this was a perfect addition!
Was looking for a cheap HTPC case came across this.Newegg has this htpc case good for budget/beginner HTPC build.Link Here$69.99 - $5(NMED116 Exp 1/22) = $64.99 Free Shipping
LinkCanon 28-135mm f/3.5-5.6 EF IS USM lens from www.firstclasscameras.com.I was just doing some lens browsing and stumbled upon this. Not familiar with the merchant, but the lens is $349.99 at Amazon. Seems to be a good (but not great) walk-around lens. See user reviews on Amazonor DPReview.
Kohl's Coupons:KOHLS20
20% off using Kohl's Charge Card (expires 1/22/12 11:59pm)WINDCHILL
15% off Any Purchase (expires 1/22/12 11:59pm)SAVERS15
15% off using Kohl's Charge Card (expires 1/22/12 11:59pm)Dockers Argyle Sweater Vest - Big & Tall
original $52.00 now $10.40 2XB
3XB
L TALL
XL TALL
XXL TALL 
Dockers gives men the look they deserve. With its timelessly sophisticated argyle pattern, this men's sweater vest enhances your outfit. Layer it over a dress shirt from Kohl's.
Ribbed trim maintains its shape through repeated wearing.
Details: V-neck
Cotton/acrylic
Machine wash
Imported
Kohls.com
Home ClearanceMenBig & TallDockers Argyle Sweater Vest - Big & TallText
Natura
EasySpirit
69% OFF
53042715
Additional 20% off seen at checkoutText
The Natura has got it all; comfort, style, and quality. This trendy bootie features a sweater cuff accent and tie up laces, as well as a side zipper for added convenience. Other great features include a durable rubber sole and a padded insole. The Natura has a 3" heel that sits on a 1/4" base (comparable to a 2 3/4" heel). Imported 3" Heel Wedge Heel Rubber Sole Almond Toe Knit and Suede Upper
Amazon has the new AMD 7970 PCIE IN STOCK from one manufacturer, Diamond, and only has 11 left in stock (according to their site page. Diamond AMD Radeon HD 7970 PCIE 3G GDDR5 Video Graphics Card 7970PE53G. This card just got announced last week prior to the Consumer Electronics Show - I have been searching and finally found someone with one in stock. Get em while they last guys - we know how getting the 6990 was. Price seems pretty decent at $595. Visiontek and XFX are lower, but no stock for 1-3 weeks. For thos of you system builders who cant wait until February, now is the time. Good luck.
Texthttp://www.bloomingdales.com/Juicy Couture Fun Is Back Tote
Orig $98.00Sale $49.00  
MARC BY MARC JACOBS Military General Messenger Bag
Orig $328.00Sale $229.60
kate spade new york Gold Coast Charlize Shoulder Bag
Orig $395.00Sale $237.00  COACH Poppy Signature Swingpack
Orig $138.00Sale $96.60  Lauren By Ralph Lauren Newbury WristletOrig $58.00Sale $40.60
COACH Poppy Liquid Gloss Pushlock Satchel
Orig $378.00Sale $264.60
Burberry Check Zip-Around Wallet
Orig $395.00Sale $276.50   kate spade new york Bow Ridge Sasha Flap Shoulder Bag
Orig $395.00Sale $158.00   
Juicy Couture Gemlock Zip WalletOrig $128.00Sale $51.20   
kate spade new york Keyboard-Print Neoprene 15" Laptop Sleeve
Orig $60.00Sale $42.00  Juicy Couture Glitter Laptop Sleeve, 13"
Orig $68.00Was $34.00Now $27.20
Juicy Couture Wanderlust Esther Messenger
Orig $198.00Sale $79.20
 kate spade new york Cape Mountain Thomas Crossbody Bag
Orig $135.00Sale $94.50   
MICHAEL Michael Kors Grayson Grommet Satchel
Orig $498.00Was $249.00Now $199.20 
 Lauren by Ralph Lauren Small Flat Crossbody Bag
Orig $128.00Sale $89.60
Juicy Couture Glitter Smart Phone Case
Orig $48.00Was $24.00  COACH Madison Patent Skinny Wallet
Orig $148.00Sale $103.60   
MARC BY MARC JACOBS Supersonic Snake Key Pouch
Orig $58.00Was $29.00Now $23.20 MICHAEL Michael Kors Jet Set Crossbody
Orig $128.00Was $64.00Now $51.20 
 MICHAEL Michael Kors Coin Purse
Orig $48.00Was $24.00Now $19.20
Panda Express - Single Serving "Firecracker Chicken Breast" FREE w/ Coupon (NO PURCHASE NESSECARY). on January 23rd (Chinese New Year)
https://www.pandaexpresssocialmedia.com/2012cny/CNY2012.pdf?wall
Saw this on the Panda Express FB page and figure i give a heads up. Also for the people that don't like facebook, but i was able to get the direct link to the coupon page so you dont need FB to get it :]January 23rd (next Monday) is Chinese new year and Panda Express is giving free fooooodd :]
ShiosX / op
I've been pretty pleased with the ETF and mutual fund offerings from Schwab and Fidelity, and I'm looking to see what else can be traded with very minimal overhead. For example, I was reading about DRIP where the stocks are offered directly with no trading fee, but I have no idea if this is something worth trying. Any suggestions?
FREEBIES/MMsMentos Gum tube 15 ct. UP2U 14 ct., 3/$3 get $1 +UP (on 3) Limit 4
$1 Off Any One UP2U Pack SS 1/1/12 Exp. 3/1/12
Free and $1 MM wyb 3 and use 3 man Qs
The KY looks nearly free with the $2/1 found here
All Products KY
buy 2 get $4 +UP
reg price $5.39 - $32.991 ky $5.39
1 ky $2.69 (b1g1 50%)
= $8.08
- $4 (2 x $2/1 man Qs)
= $4.08 get back $4 +UP (making the cost 8 cents for two) Limit (2)  +UP DEALS
Maybelline NY Cosmetics B1G1 50% off, Buy $10 Get $3 Limit 2 **RR**Post Cereals 11-24 oz. or Quaker Chewy Bars 10 pack, 2/$5 get $1 on 2 Limit2Russell Stover Boxed Chocolates 8.25-12 oz. or Whitman's Sampler 10-12 oz., $4.99 get $1+UP Limit 6Folgers 22.6-33.9 oz, $8.99 get $1 +UP Limit 2Energizer hearing aid 8 pack or AA/AAA 4 pack, $9.99 get $4 +UP Limit 2Luvs family pack, $17.99 get $2 +UP Limit 4Nexxus, Buy $15 get $5 Limit 3**RR**John Frieda precision foam, $11.99 get $2 +UP Limit 2**RR**Finesse 7-15 oz, 2/$6 get $3 +UP (on 2) Limit 2Simple skin care (6.99-13.49), Buy $15 get $5 Limit 2Garnier moisturizers/cleansers B1G1 50% get $3 +UP on 2 Limit 2**RR**Loreal youth code or clinical repair 10, $5.00 of regular retail, buy 2 get $5 +UP Limit 2**RR**Clearasil (excludes perfecta wash), B1G1 50% get $2 +UP on 2Limit 4Covergirl lash blast family eye and lip, $7.99 get $1Limit 2**RR**Nicorette Gum 160-170ct/lozenges 108ct, $59.99 get $10 Limit 4Carex roller walker or transport chair, $50.00 off reg. retail get $20[color="green'] Limit 1[/color]Similasan ear/eyecare or Rohto eye drops 13 ml, $2 +UP Limit 4Style Science clip-ons/fit overs, $19.99 get $5 +UP Limit 4
$5 insert couponRenewal men's 3/5 blade razor or cart/women's 5 blade razor or cart., 2/$11 get $2 =UP Limit 4SanDisk or PNY 8G SD cards/flash drives, $19.99 get $3 +UP Limit 2CFL light bulbs 1 pack, $3.99 get $3 +UP Limit 2 **RR**Advil caps/tabs 100ct liqui-gels 80ct PM 32-40, $1 +UP Limit 4 **RR**Conair brushes, $2 +UP Limit 3 **RR**KY, B1G1 50% get $4 +UP on 2 Limit 2 **RR**Just for Men or Touch of Gray, $5.99 get $1 +UP Limit 2 **RR**Schick hydro 1ct cart 4 ct, $7.99 get $4 +UP Limit 2Vicks NyQuil or DayQuil twin 12 oz liquigels 48 ct, $9.99 get $2 +UP Limit 3
Was at Sears yesterday (Chicago burbs) and was able to pick up this mixer on clearance for $75. Lowest price on Amazon is $250! Found it on a clearance rack in the middle of the aisle. Definitely YMMV, so be wary. Definitely something to check out though if you are headed to the mall. Here's a link to it on Amazon: http://www.amazon.com/Cuisinart-SM-55-2-Quart-12-Speed-Stand/dp/...
I like this deal, just what I needed, 2011 Rossignol Snowboard Bindings:http://www.bobwards.com/ROSSIGNOL-Cobra-V1-Snowboard-Binding-Dis...next lowest M/L I found was 89.90 + shipping
Was at HD yesterday, Utica mich, they had the Coleman 32" x 48" tables marked down from $55.00 to $25.88. At the register it came up at $11.00. I took it home and liked it, went back and snagged two more.
Just got one in the Framingham, MA store. It was marked as a $130 discount, not clearance.
TextBrooksBrothers.comBrooke The Girl Bear$19.50 $9.75
5.0 out of 5
Our friendly girl bear in Brooks Brothers inspired attire. She is all decked out in a plaid twill dress with embroidered buttons, a white collar and velvet trim. Her outfit is completed with a matching bow and red underwear. She is also cuddling her little stuffed lamb. Washable surface. Only for ages 3 and up. Please remove all hangtags before giving to a child. This product may only be shipped within the contiguous United States.


GUND St. Jude Bear was $22.50 now $11.25
Gund, the leading soft toy manufacturer in the United States, is proud to partner with Brooks Brothers to make these adorable his and hers teddy Bears for charitable organizations like St. Jude. GUND is known worldwide for its top quality, soft and huggable plush designs. These bears made exclusively for Brooks Brothers are 11" tall and feature super soft, high density acrylic plush material. And of course they are wearing the latest Brooks Brothers fashion accessories, making them perfect gifts for anyone wishing to make their own fashion statement. Only for ages 3 and up. Please remove all hangtags before giving to a child. Imported. Brooks Brothers will donate $5 of the purchase price of this item throughout the holiday season to St. Jude Children's Research Hospital. Donations to St. Jude will be made on purchases of this product in the USA only


GUND St. Jude Bear
$22.50 $11.25
Gund, the leading soft toy manufacturer in the United States, is proud to partner with Brooks Brothers to make these adorable his and hers teddy bears for charitable organizations like St. Jude. GUND is known worldwide for its top quality, soft and huggable plush designs. These bears made exclusively for Brooks Brothers are 11" tall and feature super soft, high density acrylic plush material. And of course they are wearing the latest Brooks Brothers fashion accessories, making them perfect gifts for anyone wishing to make their own fashion statement. Only for ages 3 and up. Please remove all hangtags before giving to a child. Imported. Brooks Brothers will donate $5 of the purchase price of this item throughout the holiday season to St. Jude Children's Research Hospital. Donations to St. Jude will be made on purchases of this product in the USA only.
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...
Maybe this is becoming too common to start a new thread for each one? Anyway here is the email I received today:First, the bad news:

We are writing to let you know that there may have been illegal and unauthorized access to some of your customer account information on Zappos.com, including one or more of the following: your name, e-mail address, billing and shipping addresses, phone number, the last four digits of your credit card number (the standard information you find on receipts), and/or your cryptographically scrambled password (but not your actual password).

THE BETTER NEWS:

The database that stores your critical credit card and other payment data was NOT affected or accessed.

SECURITY PRECAUTIONS:

For your protection and to prevent unauthorized access, we have expired and reset your password so you can create a new password. Please follow the instructions below to create a new password.

We also recommend that you change your password on any other web site where you use the same or a similar password. As always, please remember that Zappos.com will never ask you for personal or account information in an e-mail. Please exercise caution if you receive any emails or phone calls that ask for personal information or direct you to a web site where you are asked to provide personal information.

PLEASE CREATE A NEW PASSWORD:

We have expired and reset your password so you can create a new password. Please create a new password by visiting Zappos.com and clicking on the "Create a New Password" link in the upper right corner of the web site and follow the steps from there.

We sincerely apologize for any inconvenience this may cause. If you have any additional questions about this process, please email us at passwordchange@zappos.com.Security Week : Zappos Hacked: Internal Systems Breached in Cyber Attack
First, the bad news:We are writing to let you know that there may have been illegal and unauthorized access to some of your customer account information on 6pm.com, including one or more of the following: your name, e-mail address, billing and shipping addresses, phone number, the last four digits of your credit card number (the standard information you find on receipts), and/or your cryptographically scrambled password (but not your actual password).THE BETTER NEWS:The database that stores your critical credit card and other payment data was NOT affected or accessed.SECURITY PRECAUTIONS:For your protection and to prevent unauthorized access, we have expired and reset your password so you can create a new password. Please follow the instructions below to create a new password.We also recommend that you change your password on any other web site where you use the same or a similar password. As always, please remember that 6pm.com will never ask you for personal or account information in an e-mail. Please exercise caution if you receive any emails or phone calls that ask for personal information or direct you to a web site where you are asked to provide personal information.PLEASE CREATE A NEW PASSWORD:We have expired and reset your password so you can create a new password. Please create a new password by visiting 6pm.com and clicking on the "Create a New Password" link in the upper right corner of the web site and follow the steps from there.We sincerely apologize for any inconvenience this may cause. If you have any additional questions about this process, please email us at passwordchange@6pm.com.
Looks like RA did not learn from its recent debacle. I see the Vanilla Visa Card is again advertised as part of the RR
+UP DEALS
Maybelline NY Cosmetics B1G1 50% off, Buy $10 Get $3 Limit 2 **RR**Post Cereals 11-24 oz. or Quaker Chewy Bars 10 pack, 2/$5 get $1 on 2 Limit2Russell Stover Boxed Chocolates 8.25-12 oz. or Whitman's Sampler 10-12 oz., $4.99 get $1+UP Limit 6Folgers 22.6-33.9 oz, $8.99 get $1 +UP Limit 2Energizer hearing aid 8 pack or AA/AAA 4 pack, $9.99 get $4 +UP Limit 2Luvs family pack, $17.99 get $2 +UP Limit 4Nexxus, Buy $15 get $5 Limit 3**RR**John Frieda precision foam, $11.99 get $2 +UP Limit 2**RR**Finesse 7-15 oz, 2/$6 get $3 +UP (on 2) Limit 2Simple skin care (6.99-13.49), Buy $15 get $5 Limit 2Garnier moisturizers/cleansers B1G1 50% get $3 +UP on 2 Limit 2**RR**Loreal youth code or clinical repair 10, $5.00 of regular retail, buy 2 get $5 +UP Limit 2**RR**Clearasil (excludes perfecta wash), B1G1 50% get $2 +UP on 2Limit 4Covergirl lash blast family eye and lip, $7.99 get $1Limit 2**RR**Nicorette Gum 160-170ct/lozenges 108ct, $59.99 get $10 Limit 4Carex roller walker or transport chair, $50.00 off reg. retail get $20[color="green'] Limit 1[/color]Similasan ear/eyecare or Rohto eye drops 13 ml, $2 +UP Limit 4Style Science clip-ons/fit overs, $19.99 get $5 +UP Limit 4
$5 insert couponRenewal men's 3/5 blade razor or cart/women's 5 blade razor or cart., 2/$11 get $2 =UP Limit 4SanDisk or PNY 8G SD cards/flash drives, $19.99 get $3 +UP Limit 2CFL light bulbs 1 pack, $3.99 get $3 +UP Limit 2 **RR**Advil caps/tabs 100ct liqui-gels 80ct PM 32-40, $1 +UP Limit 4 **RR**Conair brushes, $2 +UP Limit 3 **RR**KY, B1G1 50% get $4 +UP on 2 Limit 2 **RR**Mentos Gum tube 15 ct. UP2U 14 ct., 3/$3 get $1 +UP (on 3) Limit 4
$1 Off Any One UP2U Pack SS 1/1/12 Exp. 3/1/12Just for Men or Touch of Gray, $5.99 get $1 +UP Limit 2 **RR**Schick hydro 1ct cart 4 ct, $7.99 get $4 +UP Limit 2Vicks NyQuil or DayQuil twin 12 oz liquigels 48 ct, $9.99 get $2 +UP Limit 3
I spent Thanksgiving weekend in Manhattan, after getting a great deal through AirTran vacations. I had never booked through a third party like AT Vacations - I have always booked directly from the airline and hotel sites, however booking the package rate allowed me to save some money. What I did not know was since the hotel was booked through a third party, it would not be eligible for HHonors points. That is what I found out after the trip, by searching online for reasons why I was not given credit, and by calling the HHonors customer service line. I just logged into my HHonors account, and credit for the trip is now showing, nearly 2 months later. Completely unexpected! Could it be because I was recently got upgraded to gold status thank to this FW forum? http://www.fullofdeals.com/forums/expired-deals/1154637/ Anyone have a similar experience? Unless I know why I was given credit, I would be hesitant to book again through a third party in the future.
LinkOnline only, today only. I can't speak to the quality of this TV, but it is a 32" for under $200, which was where the bar was set for cheap 32" TVs this past holiday shopping season. Might want to invest in a separate warranty.
Stanley 16-oz. Utility Insulated MugFeatures: The durable Stanley Utility Drink-Thru Travel Mug is equipped for the road with double-wall insulation to keep your hot drinks hot and your cold drinks cold
A handle makes it easy to control
An easy-open, drink-thru lid turns left for drinking and right to close
Dishwasher safe
Leak-proof
Stainless steel outer wall
Car-cup compatible
BPA-free
Bike-cage compatible
16oz / .47L
Bottom of mug is approximately 3-inches in diameter
CVS 1/29-2/4 ecb deals (gg133-sd)
3 DAY SALE: Sunday, Monday and TuesdayHershey's milk chocolate bunny, Cadbury's Egg, Reese's single egg .87 FREE AFTER EB .87Hershey's Assorted 8-13 oz or Reese's Pieces 17.25, 2/5.98, Get $2 EBCrest ProHealth, 3D White, Scope Outlast, 2/7.98, Get $2 EBEB DEALSPepsi, 12 pack, 3/10, Get $4 EB, Limit 1.Olay ProX 0.5-2.5 or ProX Clear Acne Kit, $47.00, Get $7 EB, Limit 1Olay Regenerist Kit or Treatment, $24.99, Get $3 EB, Limit 1.Olay body wash, $6.99, Get $2 EB, Limit 1.Olay Total Effects Facial Care, $18.99, Get $2 EB, Limit 1.Spend $20, Get $10 EB when you buy ANY Salma Hayek products, Limit 1.Spend $10, Get $7 EB when you buy ANY Physician's Fomula (excludes clearance) Limit 1.Spend $15, Get $5 EB when you buy ANY Loreal Foundation, Powder, Blush, Concealer or Eye, Limit 1.Spend $20, Get $10 EB when you buy Eucerin or Aquaphor (excludes Baby and clearance items.) Limit 1.Spend $12, Get $6 EB when you buy any of these products, Limit 2:
All Speed Stick or Lady Speed Stick - $1.99
Colgate Total or Sensitive - $2.74
Colgate 360 Toothbrush - $2.89
Irish Spring or Softsoap - $3.00Spend $15, Get $5 EB when you buy these Dove, Caress or Lever products, Limit 1:
Dove Shampoo or Conditioner - 2/$7
Caress, Dove or Lever bar soap, body wash or cream oil body lotion - $6.00
Dove Men+Care body wash - $5Spend $10, Get $3 EB when you buy Nivea products, Limit 1:
Nivea lotion - $6.88
Nivea body wash - $3.88
Nivea lip care - 2/$5Spend $15, Get $5 EB when you buy any of these John Frieda products, Limit 1:
All John Frieda Precision Foam Colour - $12.00
Shampoo, Conditioner - $5.00
Select JF Collection hair treatments - $8.00$5 EB, when you buy Fekkai Hair Care, Limit 1.Schick Hydro 5 Power Select or Hydro Silk, $9.99, Get $4 EB, (Ad doesn't specify a limit.)
possibly free ac-eb with $5 Manu coupon which may be available--TBDTom's of Maine Deodorant, Toothpaste or Mouthwash, $3.99, GB $3 EB, Limit 2.Oral B Power toothbrush refills, 3 pack, $19.99, GB $5 EB, Limit 2.$5 EB when you buy Clearblue Pregnancy Test, 2 ct, Limit 1.EOS lip balm, 2/$6, Get $1 EB, Limit 2.$5 EB when you buy Neosporin Essentials Trial Pack, Limit 1.Spend $30, get $10 EB when you buy any of these products, Limit 1:
Pampers wipes - 2/$6
Jumbo pack Pampers - 2/$19
Luvs - $6.99
Pepto Bismol - $5.99
Metamucil - $12.49
Align Starter Pack - $15.99
Vicks - $9.99
Prilosec -$10.99
Always Infinity - $6.99Get $4 EB when you buy TWO of these Pfizer products, Limit 1:
Advil - $4.49
Thermacare - $5.99 (excludes 1 ct)
Centrum or Caltrate - $6.99
Robitussin or Children's Dimetapp - $6.99Get $3 EB when you buy 3 Hallmark Cards, Limit 1Spend $10, get $3 EB when you buy: (Limit 1)
Hellmann's Mayo - 2/$6
Lipton - 2/$6
Ragu or Bertolli - 3/$5Pringles, 4/$5.96, get $1 EB when you buy 4, Limit 1.Kudos or Nabisco, 2/$5, Get $1 EB, Limit 1.Spend $15, get $5 EB when you buy any of these Pepsico products, Limit 1:
Aquafina Pure Water - 2/$6
Amp or Frappuccino - $5.00
Gatorade or Sobe - 2/$3
Pepsi 2 Liter - 3/$4
Lipton Tea - 2/$6
Frito Lay - 2/$6
Izze, 4 pack - 2/$6
http://www.tigerdirect.com/applications/searchtools/item-Details...
http://www.target.com/p/Lego-Star-Wars-TIE-Defender-Set-8087/-/A...Shipping is $5.85The Empire's most advanced TIE fighter design, the TIE Defender, was built in response to the Rebellion?s highly skilled starfighter forces
Featuring 6 flick-firing missiles and a cockpit that rotates when the model turns, the TIE Defender plays a key role in the battle for space dominance
Includes a stormtrooper and a new TIE fighter pilot minifigure
Manufacturer's Suggested Age: 8 Years and Up
Includes: Figures
Number of Pieces: 304
Material: Plastic
Educational Focus: Motor Skills
Languages: Spanish, French, English
Dimensions: 2.77 " H x 14.88 " W x 13.93 " L
Product Weight: 1.7 Lb.
http://www.hsn.comWolfgang Puck Bistro Elite Stainless Steel 7-piece Versa Pan Multi-Cooker
Item: 156-882
Today's Price: $59.90 or 3 payments of $19.96 HSN Price: $99.90 | You Save: $40.00 (40%)
Retail Value: $110.08
Shipping & Handling: $4.95 Wolfgang Puck Bistro Elite Stainless Steel 7-piece Versa Pan Multi-Cooker
Cook more with less. This aptly named pan does the work of a whole cookware set. Sear steaks, saut vegetables, pan-fry chicken or steam fish on the stovetop. Slip it into the oven to prepare a succulent roast or bake a yummy dessert. Use the included divider insert to prepare a main course and three sides all at once. All the pieces nest together inside the pan for compact storage. So, when's dinner?What You GetVersa Pan multi-cooker with lid
Extender ring
Cake ring
Divider
10" roasting rack
10" cooking plate
Use and care manual with recipes
Manufacturer's lifetime limited warranty
Wolfgang Puck Bistro Elite Stainless Steel 7-piece Versa Pan Multi-Cooker Features Stainless steel construction
For striking beauty and consistent performance
Encapsulated aluminum disc
Provides even heating throughout the pan base
Riveted stainless steel buffet handles
For easy lifting, carrying and pouring
Stainless steel dome lid
Additional height accommodates large or tall foods
Large-capacity pan
Ideal for frying, searing, sauteing, roasting or oven baking
Extender ring
Instantly adds height so you can cook roasts, hams and other large foods
Steaming/roasting rack
Fits inside the extender ring, letting you cook multiple dishes at the same time
Roast meat in the Versa Pan and steam vegetables in the steaming/roasting rack
U-shaped handles on rack for easy removal
Divider insert
Use in conjunction with the roasting rack to cook food in three separate sections
Steam or roast all your vegetable sides at one time
Cooking plate and cake ring
Use to bake cheesecakes, casseroles and assorted desserts

SpecsMeasurements (approximate) Versa Pan:
11-3/4" Diameter x 3-1/4"H with (2) 2-1/4" side handles
Extender Ring:
11-1/2" Diameter x 3"H with (2) 2-1/8" side handles
Cake Ring:
9-3/8" Diameter x 2"H
Divider:
9-1/4" Diameter x 2-3/4"H The Basics Base Thickness:
4.5mm
Pan Construction:
Stainless steel with encapsulated aluminum disc in base
Lid Construction:
Stainless steel
Handles:
Cast hollow stainless steel
Interior:
Mirror-polished and brushed stainless steel
Exterior:
Mirror-polished stainless steel
Country of Origin:
China
Use & Care Oven Safe Temperature:
Pan to 400 degrees
Lid to 350 degrees
Compatible Stove Types:
Electric radiant ring, electric ceramic-/glass-top, electric solid plate, halogen, induction and gas burner stovetops
Care:
Dishwasher safe; hand wash recommended to retain original luster and shine
http://www.jny.com/Sale/24983440,default,sc.html
j Jones New York
Relaxed Pant
Was$99.00
Now $74.25  Plus 50% off at checkout   
j Jones New York
Relaxed Fit Pant
Was$69.00
Now $27.60  Plus 50% off at checkout   
JNY Sport
Classic Fit Jean
Was$39.99-$59.00
Now $19.99-$39.99  Plus 50% off at checkout   
JNY Signature
Slim Capri
Was$99.00
Now $24.75  Plus 50% off at checkout
etc.
http://www.costco.com/Browse/Product.aspx?Prodid=11671345Costco has the Manfroto M-Y Tripod Family 7322YB-BB tripod for $39.97 + 6.99 s&h. Price valid until Jan 31, 2012.Same tripod was posted in August for $10 more, but I cannot tell if that price included s&h or not.
http://www.fullofdeals.com/forums/hot-deals/1115533/This member of the M-Y Tripod Family, the 7322YB-BB, is a four sections compact tripod with a small ball head. Legs are adjustable at two different angles. Complete with tripod carrying bag.Specifications: Closed Length:
18.9 in / 48 cm
Leg Angles: 25, 51
Leg Cross Section: three-faceted
Leg Sections: 4 number
Legs Tube Diameter: 0.87, 0.71, 0.55, 0.41 in / 22, 18, 14, 10.5 mm
Load Capacity: 4.41 lbs / 2 kg
Maximum Height: 4.63 ft / 141 cm
Maximum Height (with center column down): 4 ft / 122 cm
Weight: 2.4 lbs / 1.09 kg
Linens 'n Things
Metallic Red Plate Charger
was $3.28
Save an Extra 20% Off Your Entire Order!
Coupon Code: Snow20 price $2.62 each Valid through: 1/23/2012 http://www.lnt.com/product/dinnerware/10084-51332/yancheng-ruiro...Possible 3% FatWallet CashBack- http://www.fullofdeals.com/Linens-N-Things-coupons/Beautiful Addition to your Valentine's Day table
The Red Bead Rim Charger is a wonderful way to decorate your home for any occasion. Do not miss out on this great price and product.Product Measurements :13" Round
Care Instructions : Wipe with a damp cloth.
These chargers are not recommended for food usage.
Do not put in dishwasher or in the microwave.Other styles are available: prices vary
I didn't find the laptop deal I wanted, so I created a sweet deal of my own!Refurbished Dell laptop, Dual-Core processor, with a 1 year warranty
Model: Inspiron 15 M5030
Free shipping
$255.20 + tax after using the 20% off coupon code L6G1JWCC7MDLFT (which I think is valid for the next week).I will get a 1% REI check for paying with my REI card, and I'm also hoping that Fat Wallet gives me 2% back so my actual price is...
$247.5415.6 inch HD WLED screen
8X DVD +/- RW Drive
Genuine Windows 7 Home Premium 64-Bit Operating System DVD
802.11n WiFi
4GB DDR3 SDRAM 1333MHz (2 DIMMs)
Color: Obsidian Black
AMD Athlon II Dual-Core Mobile Processor P360 (2.3GHz, 1MB, 3.2GT/s)
320 GB SATA Hard Drive (5400 RPM)
65W AC Adapter
Integrated ATI Mobility Radeon HD4250
Microsoft Office Starter
6 Cell Primary Battery, 48W, w/125V Power Cord
Internal NIC
Integrated Webcam
1 Yr Limited Hardware Warranty, Mail-in ServiceThe best price I found on a similar refurbished laptop is over $100 more, $364.71 with fat wallet Cash Back plus shipping for an HP with a 500GB hard drive, a Blu-Ray rom drive, and an undisclosed warranty.At $247.54 I got a steal. This Dell gets good reviews. It's barely costs me more that a netbook, and the reviews say its 4 times faster.The one trick, the inventory at Dell Outlet changes constantly. This laptop wasn't here, then 3 hours later it was. Keep going back until you find the right deal; don't give up, don't settle. All their outlet consumer laptops can be found here: http://outlet.us.dell.com/ARBOnlineSales/Online/InventorySearch....
I don't know how long the sale lasts or if it's YMMV, but this is a great price for merino wool socks.
The shelf tag was 99 cents. They were up front by the carts, not across from plumbing nor with the other clothing. (The $.99 after rebate socks were across from plumbing.)65% merino wool, the balance nylon and spandex.
Mossy Oak brand, says distributed by Russell on the package.
Hi everyone,I just got a lump sum of money and have two credit cards. I completely paid off the credit card that has 19% interest. Now, I have another credit card with 0% interest. I owe a little over a 1,500 on it and was wondering if I should go ahead and pay it off or just make sure to have it paid off before the 0 percent offer wears off. Something I want to throw in is that I'm wanting to buy a house soon, so I didn't know if it would be better to put that money into what I'm saving for the down payment or if paying off the credit card would help my credit score/interest rate I would get.
My truck ('06 ridgeline) was broken into on the street. I had the back right window smashed in, subwoofer stolen($200), Makita drill/driver and impact gun ($280), electrical tools ($300~$400), Ipod ($200), another bag with a kindle and school stuff in it (I'm a teacher), toolbag of Screwdrivers ($50), toolbag of set of wrenches($120), think that's about it. The window is gonna be about $640-800.
What do I have to show for the property stolen? If the only thing I can get out of insurance without receipts is the window then with a $1,000 deductible it's pointless. Is it pointless to even bother INS since the total cost is still only about $2,500 once all my tools and electronics are accounted for. Will it make my ins go up?
I have had a few things on my record and my ins is already not too cheap. what would you all do in my position?
Pretty nice watch. I bought it at $250 a while ago and it was worth that price. Pretty durable and good looking
Click here to see the watch page.
LinkThey offer a new color each month. Old thread was archived.
I found this printer on the shelf with all the other printers at Staples in Ramsey NJ on RT 17 Friday evening. This one was in box. There was one more on display. I do not know about additional stock as I did not want to draw attention to the item.Salesclerk mentioned he had stocked it on Thursday. Here's the Staples online catalog page with the regular price noted.I do not know much about this printer as I went into the store for another item. This item shows as delivery only on the website so I could not link the "in store availability" page for you. As usual, don't call the store. When the beautiful, friendly, salesgirl at this store saw the price, she almost (almost) swooned into my arms as she went back to check the price. So, if you do call, and they have it, you can bet the employees with jump on it before you get there.
Update (Sunday 1/15/12: I have tried many zip codes using the backdoor inventory checker provided in a message below. I have not found this item showing as available in any store. I hypothesize these printers are NOT normally stocked in B&M and that (this is a guess) some have been sent to stores to move them out quickly at this price. I cannot imagine Staples would just send a very small number to one or two stores as the item still shows in stock on line at the regular price. It was listed in the in-store inventory when I paid.
CabelasArmor All Complete Car Care Kit 4 pieces
Regular Price: $19.99
Sale Price: $11.88http://www.cabelas.com/product/Armor-All174-Complete-Car-Care-Ki...4% FatWallet CashBack-http://www.fullofdeals.com/Cabelas-coupons/4 items. Included:
Armor All Original Protectant 10 fl. oz.
Armor All Glass Wipes 25 ct (7" x 11")
Armor All Ultra Shine Wash & Wax 1 pt (16 fl. oz.)
Armor All Tire Foam Protectant 20 oz
I didn't find the laptop deal I wanted, so I created a sweet deal of my own!Refurbished Dell laptop, Dual-Core processor, with a 1 year warranty
Model: Inspiron 15 M5030
Free shipping
$255.20 + tax after using the 20% off coupon code L6G1JWCC7MDLFT (which I think is valid for the next week).I will get a 5% REI check for paying with my REI card, and I'm also hoping that Fat Wallet gives me 2% back so my actual price is...
$236.3515.6 inch HD WLED screen
8X DVD +/- RW Drive
Genuine Windows 7 Home Premium 64-Bit Operating System DVD
802.11n WiFi
4GB DDR3 SDRAM 1333MHz (2 DIMMs)
Color: Obsidian Black
AMD Athlon II Dual-Core Mobile Processor P360 (2.3GHz, 1MB, 3.2GT/s)
320 GB SATA Hard Drive (5400 RPM)
65W AC Adapter
Integrated ATI Mobility Radeon HD4250
Microsoft Office Starter
6 Cell Primary Battery, 48W, w/125V Power Cord
Internal NIC
Integrated Webcam
1 Yr Limited Hardware Warranty, Mail-in ServiceThe best price I found on a similar refurbished laptop is over $100 more, $364.71 with fat wallet Cash Back plus shipping for an HP with a 500GB hard drive, a Blu-Ray rom drive, and an undisclosed warranty.At $236.35 I got a steal. This Dell gets good reviews. It's barely costs me more that a netbook, and the reviews say its 4 times.The one trick, the inventory at Dell Outlet changes constantly. This laptop wasn't here, then 3 hours later it was. Keep going back until you find the right deal; don't give up, don't settle. All their outlet consumer laptops can be found here: http://outlet.us.dell.com/ARBOnlineSales/Online/InventorySearch....
TextText
Patrick Dempsey 2 Dual Action Face Wash

566-591
SAVE 68% While Supplies LastReg. $9.50
Sale $2.99With salicylic acid for clean, clear skin everyday. 5 fl. oz Patrick Dempsey 2 SPF 15 Moisturizer
566-606
SAVE 73% While Supplies LastReg. $15.00Sale $3.99
http://www.giveawayoftheday.com/The program is available for $39.95, but it will be free for our visitors as a time-limited offer.Retouch Pilot is a photo retouching software that was designed for removing imperfections from a photo. It allows you to remove small technical imperfections (e.g. scratches, spots from dust particles and hair), that were found in the original image or that appeared while scanning the photo.
Text
Worthington Cape w/Faux Leather Trim W4940 Sale $37.00 Original $125.00

Cape from Worthington with faux leather trim that completes your runway look, this season's hottest look. Cape:
stand collar
zip front
side slit pockets
polyester/rayon/spandex
washable
imported

Pick a Size Range Misses
Pick a size Small Medium Large X-Large
Pick a color
So I have a Hyundai car that has a recall that was issued in 2008 for the airbags. The recall said that all cars from 2006-08 have the POTENTIAL for the airbag sensor to quit working, and unless your airbag light comes on, then owners do not need to worry about the recall.
So all was well until 2010 when my airbag light came on. I took it to the dealership (car was still under warranty) and the mechanic checked it, found several codes on the computer, and he said he checked them all, and everything was fine with the airbag, and it must have been a low battery that caused the airbag light to come on.
Fast forward to the fall 2011 (5k miles out of warranty) and my airbag light comes on again. I again take it to the dealership, and they confirm the airbag sensor is bad, and that it would be over $1k to fix it. I tell them there is a recall on it, and it should be covered. They go back to their computer for about 10 minutes or so and come back and say my vehicle isn't part of that recall. We go back and forth for a little while, and then finally leave with a note on the service slip that stats my vehicle is not and has not ever had a recall for the airbag.
A few days later, I called Hyundai Corporate, and talked to their recall department. They talked to the dealer, and after almost an hour on the phone with them, they sided with the dealer, saying there is no active recall for my vehicle.
So then I filled a complaint with the NHTSA, and through some research on their site I have copies of all documents that Hyundai filled with NHTSA which states that my vehicle DOES match the recall, and that all of my model car, in the year my car was manufactured HAS THE POTENTIAL for the airbag sensor to quit working. In the Service Bulletin, it stats that if error code x is found, then the dealership should do the work, and on my repair slip for the estimate, it stats, error code x is what is wrong. The bulletin also stats that since not all vehicles need to have this work done, only the cars with the airbag light on, that the recall will not show active in their computers. So now I'm stuck with what to do. The car dealership is 120+ miles round trip, and anytime I have to go I have to take a day off of work. I have already taken 2 days off from work for this issue. I have also spent almost an entire afternoon talking to them on the phone. So I have already given them 3 chances to fix it.
But now with this new information, I'm not sure if I should drive the 120 miles, and take another day off of work to have them fix the problem, or at least see if they will, which I have my doubts, or if I should go to the courts.
I have no doubt in my mind that I could win in small claims court, even representing myself, but then I wonder if I should get the help of a lawyer to get more money for all my time/energy put into this. Having a recall fixed shouldn't be this hard, and Hyundai Corporate should know about their recalls.If I go the small claims route, can I file it in my county, or does it have to be in the county where I bought/serviced the car (where the dealer is). Also would I sue the car manufacture, or the dealer? Or should I get the help of a lawyer, and forget the small claims ? Or should I do something else ??Thanks for your time/help/suggestions.
Walgreens 1/29 - 2/4
Free After RR
St. Joseph Enteric Aspirin 36 ct. 81 mg dose
$2.00 / $2.00 RRPur-Absorb Iron Supplement 28 packets
$10.00 / $10.00 RRBlink Tears Eye Care Drops .33 or .5oz
$8.00 / $8.00 RROther RR deals
Air freshener kit
Lysol Neutra Air Freshamatic
or Air Wick I motion or freshamatic
$7.99 / $4.00 RRPersonal Care: Softsoap bodywash or 4 pack bars
Colgate Opti white or total toothpaste 4 or 6 oz. 360 surround or optic white toothbrush
Irish spring antiperspirant/deodorant 2.7 oz or 3.0 oz, bodywash 15 or 18 oz, 6 pack bars
4/$12.00 / $4.00 RRPersonal Care:
6 or 8 pack caress or lever 2000 bar soap
dove or degree clinical antiperspirant/deodorant, 1.7 oz
6 pack bar soap dove lotion 13.5 oz, bodywash 18 or 24 oz
pond's 30 pack towelettes, cream 9.5 or 10.1 oz
3/$18.00 / $6RRHead and Shoulders 13.5 or 14.2 oz
2/$9.00 / $2RRSelect Dove Personal Care
(shows men's BW, mousse, shampoo, hair treatment, deodorant)
4/$15.00 / $5RRGillette Venus or fusion Proglide razor system
$9.99 / $4RR
additional $3RR when you buy razor and cartridgesGillette Fusion Proglide Styler Power Razor
$19.99 / $5RRSchick Hydro Razor System
Silk razor
power select
5 blade
$9.99 / $4RRCrest 3D Whitestrips 8 to 40 ct
$49.99 / $5RRClairol Nice and Easy Hair color foam
$7.99 / $1RREnfamil formula premium 23.4oz, or 35 oz refill
Gentlease 22.2 oz or 33.2 oz refill
$7RR when you purchase any participating tub AND refillAllegra 45 ct
$23.99 / $3RRAlka Seltzer 20ct plus cold and cough, flu, sinus. or allergy relief
24 or 36 ct Digestive Relief
$3.99 each / $5RR wyb $15.00Calcium, fiber, or aspirin
100 count citrucel or 16.9 or 30 oz
300 or 365 ct ecotrin
120 or 160 ct Os-cal
$9.99 / 3RRMetamucil 44 packets, 160 ct capsules, 57 or 114 dose powder
2/$24.99 / $5RRPrilosec otc 42 ct
$24.99 / $5RRMiralax 17.9 oz
$19.99 / $3RRVicks cold and flu relief
24 ct dayquil, nyquil, sinex
liquid 12 oz
sinex spray .5oz
$6.49 each / $5RR wyb $20.00
Does anybody know why the price of a rental car can vary so dramatically from one week to the next??? I mean a week ago a rental car from lax was 66 dollars (without fees) and now 7 days later it is 114. How do they figure out these prices? I wouldn't think that the prices would get that high until summer.
http://images.iheartriteaid.com/ad_scans/2012/0115/011512.pdf
Any reading or sun glasses reg priced $17.99 and up: Get $10 up (and it's Buy & Save)
Dec VVQ for Foster Grant and Xoom glasses make this an even better deal if you printed them
Diabetes QTheraflu packets 6ct caplets 24ct, Excedrin 50ct $5 each Get $5 up wyb 3 (Limit 2) Buy and save
Theraflu Warming Relief Syrup or Caplets, $3 off any - 12-04-11 SS
Buy 6= $30 - (6) $3 MQ = $12 get (2) $5 ups [$2 for 6 items] plus $30 towards Buy and Save
Dec VVQ also??-OR- Excedrin 50 ct
Buy 6 = $30 - (6) $2 IPQ - (6) $1 VVQ [if your store allows it or break into smaller transactions] = $12 get (2) $5 ups [$2 for 6 items, plus $30 towards Buy and Save] Breathe Right $3.99 - $2 VVQ - $1.50 IPQ on their website = 49 cents UP2U gum $1.00 - $1.00/1 coupon from the 1/1 SS. = FREEBlistex $1.69 shelf - 20% gold = 1.35
Buy 2 @ gold = $2.70 use $1/2 MQ = $1.70 get $1 +up [35 cent each]Crest toothpaste 4.1, 5.8 to 6 or 8oz, 3D white rinse 237ml, Oral B crossaction manual toothbrush 1ct or floss or floss picks
2.77 get $1 up (Limit 2)
50/1 Crest toothpaste 4 oz + or liquid gel
.75/1 Crest toothpaste (excl cavity, baking soda and tarter), 4 oz +
$1 off Oral-B floss or floss picks (30 ct. +) Prilosec 42ct 24.88 6up---- limit 3
$2 off Prilosec OTCTide Laundry Detergent 75oz 8.95 1up --- limit 2
$2.00/1 Tide DetergentDove Shampoo/Conditioner 12oz, Stylers, Bar Soap 2pack, Bodywash 12oz-- 2/$6 get $2 up wyb 2 ------ limit 2Almay (Buy & Save)
$4/1 in-ad Q "foundation, powder, blush, or concealer"
Almay Cosmetic Product, $2/1 any - 01-01-12 SS
Almay Cosmetic Product, any - 01-01-12 SS $2.00/1 2/12/2012
Almay Cosmetic Product, any - 01-01-12 SS $2.00/1 2/12/2012
$2/1 Almay Cosmetic Product, any - 01-01-12 SSRefresh Optive Eye Drops, Refresh Tears 8.99 get $2up ---Limit 2
Refresh Eye Care, Various, Print pdf 3/31/12Gillette Buy $30 get 10 up Limit 2
Proglide, Fusion Mach3 Cartridge, Refills, Gillette Shave Prep or ProSeries Skin Care
$1 off Gillette bodywash, excl trial size
$1 off Gillette deodorant, excl trial size
$1 off Gillette shave prep
$1 off Gillette Pro Series Fusion skin care product
$5 off Gillette Fusion ProGlide cartridge (4 ct. +) AND razorDayquil/Nyquil liquid 8oz or 16ct 1/11.98 get 2ups on 2 limit 2
$1 off Vicks product, excl Vapo drops and trial sizesPediacare or Little Remedies 2-4oz 5.99 get 3 up limit 2
PediaCare, any, $1 Print
Little Remedies, $1 Print *11354 or Print [coupons.com]
Prevacid 42ct 24.99 get 5up Buy & Save Limit 2
Prevacid, $3, Print and $4, Print [coupons.com]
Dove Invisible solid, Degree for men, Degree for women 2/$4 Get $2ups wyb 2 ---- limit 2Toms toothpaste, mouthwash, rinse, deodorant, bar soap 3.99 get 3up--- limit 2
$2/1 tearpad q spotted at grocery storesLoreal skincare buy $15 get 5 ups
2 off LOreal Paris skincare RP 1/1
thx damnyou and others sdad scan thx to ihra
I found this printer on the shelf at a Staples in Ramsey NJ on RT 17 Friday evening. This one was in box. There was one more on display. Salesclerk mentioned he had stocked it on Thursday. Here's the Staples online catalog page with the regular price noted.I do not know much about this printer as I went into the store for another item. This item shows as delivery only on the website so I could not link the "in store availability" page for you. As usual, don't call. When the beautiful, friendly, salesgirl at this store saw the price, she almost (almost) swooned into my arms as she went back to check the price. So, if you do call, and they have it, you can bet it won't be a lovely YW like her who jumps on it, but that pimply-faced stoner and his buds you can find in everyone of their stores.Here's the Canon website page:
Canon.com website for printer
Was planning out a Spring Break Cruise and ran across this book for free on Amazon. Free as of 11 am 1/14/2012.
Sneak alcohol onto a cruise ship bookMake sure the price still says 0.00.
I'm sure this probably isn't a groundbreaking storyline and doesn't involve huge sums of money, but I would still greatly appreciate any advice. My friend and I recently moved out of our 2-BR apartment. There was a a small black ink stain (3-4 inches across) from a pen or marker near the wall in one of the bedrooms. The landlord wants to charge us $950 to replace the carpet in both bedrooms so they will match, which I find a bit excessive. At a minimum, I would think they should only replace the carpet in one room (it is a generic off-white, not particularly nice). Beyond that, I think it would be reasonable to repair this small area: Cut out the stain, and replace it with the same carpet from the closet. This is what I would do if it were my own place. I've spoken with a carpet guy who said he thinks he can do it. The complicating factor is that the landlord also told me there were some other problems, and our total bill is more than our security deposit, so they are doing us a favor by calling it even. He was generic about what the other problems were. My questions are:
Am I reasonable in arguing that the stain can be repaired instead of tearing up the entire floor? What about just replacing one room instead of two?
How would you approach this given the veiled threat about raising additional charges? Some additional information:
This is a 20 unit apartment building. It's owned by a large company who makes the final decisions. The landlord has always been reasonable with me and we've had a pretty good relationship over the past couple years. Thank you in advance for your input!
Lauren by Ralph Lauren Jacket, Abbey Long Sleeve Belted Plaid Web ID: 608582
TextOrig. $249.00 Was $99.99 Now $74.99 Sale ends 1/17/12
no size small
med and large only
A perfect transitional piece between seasons, this diamond-quilted twill microfiber jacket from Lauren by Ralph Lauren boasts multiple pockets, a belted waist and a rich heritage plaid design.
Polyester; lining:cotton; fillolyester
Machine wash
Imported
Stand collar with fleece lining
Snap-front placket
Reinforced elbow patches
Single snap closure at the cuffs
Zip pocket at chest
Snap-flap pockets at the hips
Belt with a prong buckle along the waist
Hits at hip; approximately 27 inches long
full coat sale
Shred Sled Caster BoardOn clearance right now at Sears.com for $9.97. Shipping is around $12 but you can get free shipping by adding a FREE 30 day trial of their Shipvantage program (think Amazon Prime). Or you may get lucky and a store near you may have them in stock for free in-store pickup but that was not the case for me. Anyway this seems like a good deal for a board that retails for around $59. link
Target currently has a tom tom GPS on sale from $99.99 from 189.99 in this weeks ad. My target was out of stock and their instant substitution was a basic Garmin without lifetime maps, I asked and the electronics girl checked the computer and it let her take the same percentage off the Garmin (47%), so the $249.99 Garmin was bought for $132.49... Unfortunately they only had 1. YMMV on your store being out of stock, and convincing a cashier of the substitution...Link to check stock on the tom tomGPS
Just got a letter from Chase in the mail today about changes to the BP Visa rewards program. From what I can understand, the net Cash Back is decreasing in the process of conversion to a more confusing system called "BP Visa with Pump Rewards".In this program, the 5%/2%/1% is changing to a system where you get 15 cents in "per gallon rebates" for every $100 spent at BP, and 5 cents in "per-gallon rebates" for virtually all other purchases. Basically, you have to spend $100 to get 15 cents off per gallon on a single purchase of gas, up to 20 gallons. Alternatively, you can get a $15 statement credit for every $1 in cents per gallon.Some calculations:Buying gas: You get 15 cents per $100, which means you need $666.67 in gas purchases to get your $15 Cash Back. That's 2.25% Cash Back, or LESS THAN HALF the rates of the previous 5 years.If you take the gas, assuming that you need to use a full 20 gallons (I certainly don't), you would get 20*$0.15= $3 off a $20 purchase for $100 spent previously, or a 3% discount. For those of us with fuel-efficient sedans, we're stuck with the lower rates.Buying "virtually everything else": 5 cents Cash Back per $100 spent means 1/3 the rate, which would be 0.75% if taken as Cash Back or 1% taken as a gas credit.Don't forget that rewards expire after a year. Sounds like a pretty crappy deal to me overall! This was a great card for a long time, might be time for me to move onto some other options. I haven't followed rewards trends recently; is this happening more everywhere to existing cards, or is BP just out to be cheap?
Best price for one of the best SSD drives available
http://www.amazon.com/Crucial-2-5-Inch-Solid-State-CT128M4SSD2/d...The attached images is what I'm getting for the drive with updated firmware (009) vs when it was 002 version when it came.
LocknLock is offering 40% off as part of Everything Kitchen Sale. No coupon necessary Discount applied during checkouthttp://www.locknlockplace.com/Lock & Lock Cookplus Vitamin 6-Pieces was $64.79 after discount.Silby Cutlery, Rubynia, Cubic, Spoon&Fork, Basin, Small, 11P Set: $27.85 after discount.Lock&Lock Cookplus Speedcook 6-Pieces Set : $21
While not as good of deal as it was back in September 2011, still a good deal compared to other retailers right now if you're looking for a P&S without RAW.Shows $276.95 for a price until you add it to the cart. It is $245 in the cart + free shipping.
Link to AdoramaAmazon: $276.95
Best Buy: $268.99
B&H Photo: $279.95
Newegg: $279.95
Target: $279.99
WalMart: $269.00and more...
Bowflex is running the free shipping and free stand or free bench deal again. It is not as good of a price as it was before Christmas, but getting the stand or bench plus shipping free is pretty solid. Also 3.5% Cash Back.Free bench is advertised on the website. It uses promo code DFBFSU1.The free stand may need to get called in. I only know about it since I got an email from customer support stating it was going on. When I typed the promo code on their website it says it is invalid. I want the bench instead of the stand so I haven't worked to figure out how to get it. Email from Customer Support below, so if you want the stand call and reference the code and offer number I guessDear Potential customer,Thank you for contacting Nautilus. I understand you are asking about current promotions
for the SelectTech 552 dumbbells. We are currently running two very nice promotions, the
one you choose will depend on whether you would prefer to have a bench or a stand. The
first is BST 1188 and offers "Free Shipping and Free Stand with Dumbbell
Purchase," the promo code for that one is SAWSTEM0156. The second one is BST 1494
and offers "Free Shipping and Free 3.1 Bench with purchase." there is no promo
code with this one and the expiration date is 1/31/2012. [there actually is a promo code when you look at their website]If you have any further questions or concerns please feel free to call us at
(800)672-0570 between the hours of 6:00 am and 5:00 pm Monday through Friday PST. Fair
warning: Mondays are our busiest day of the week, so plan on waiting for a while if you
call then. Fridays are the best day to call; there is no waiting most of the time.Thank you for your interest in Nautilus home fitness equipment, we hope to serve your
fitness needs for a long time to come.Sincerely,John Knudsen | Nautilus, Inc.
Customer Care
World Headquarters | Vancouver, WA
Main: 800.605.3369
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It was $849 when I looked at it yesterday. Now $687.http://www.dell.com/us/business/p/vostro-v131/fsConfig page: http://configure.us.dell.com/dellstore/config.aspx?oc=bqctt5&c=u...
Link:
http://www.lowes.com/ProductDisplay?productId=3396038Price was $585 on sale up until today, the normal sale price. Not sure why but it's now $525 on sale as of this morning. So if you're shopping, this price may not last.Use a 10% off coupon from the movers site or buy one off eBay for a buck.Free shipping to your home or store.Don't forget 2% FatCash.Best feature for me is it's 50 dBa, super quiet.
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!!!
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cut the ropeETA added game title to thread title
I'm asking this question for my mother. About 2 years ago she was laid off and had trouble with her mortgage. Her mortgage company offered her a loan modification which reduced her payments significantly for about 2 years. In the meantime, my mom found a new job, earning about 1/2 of her previous income. The mortgage payment reverted after the modification period and she again, was unable to make the payment. After a few months of no payments, they offered her another modification which made the payment a lot more affordable. Of course, in a few years she will likely be back in the situation of not being able to pay. I am helping her sort everything out and try to figure out an action plan for the next few years. We are looking at a variety of options, but my question isn't about that. My question is this: The mortgage principal prior to this latest modification was 85,000. Under the terms of the modification, the mortgage principal is now 55,000. Is this normal? I've never heard of a bank waiving a chunk of the principal owed? If I'm understanding this correctly, I should be able to buy the house if that's the amount owed. Any insight or thoughts would be appreciated. Thank you. PS: Her mortgage servicing company is "OCWEN" but there is mention of Wells Fargo mortgage on the loan modification.
So I have the typical sob story, bought my house in 2007, had to relocate in 2010 for a job, tried to sell the house, but could not. Rented it out for awhile, but its very difficult being an out of state land lord, gave up on that, and tried to sell it again. After this most recent listing ended without a sale in October, I stopped making payments on the house, and tried to negotiate with the bank. The process is coming along very slowly, and I am not sure that the bank (BofA) will do anything to help. The house has just been sitting vacant, and I was thinking that I should get it listed again, as you never know, maybe I could get lucky and it will sell. I talked to a friend who referred me to somebody, who said they couldnt do anything more then my previous real estate agent, but then referred me to another agent. I called this most recent agent, and they told me that they specialize in short sales. She told me that it could be done as quickly as a few months, they would take care of everything with the bank, and they would make sure that I am not on the hook for any balances. She also said that the bank will cover all of the fees.Its sounded too good to be true, and it also sounded like they flip short sales, basically not worying about how much the get for the house, just get the transaction done, and get paid. I also feel like maybe they are going to negotiate an extremely low price with the bank, and have one of there investors buy the house only to rent it out or flip it.Has anybody here had any experience with a short sale that is taken care of 100% by the real estate agent? Is there anything I should look out for?
After doing a lot of googling, I was not able to find any help, so now posting my question and concern here:I think I have a solid case but need some guidance, if possible. Here is my situation:
I bought my house on Jan 2010 (from first owner) for $275,000. Here is some information from the purchase:House size:2846 square footNow two weeks ago, I applied for refinance and we locked in the rate. Bank sent the new appraiser and here is the data provided by new appraiser:House size: 2660 square footAs from both data, you can see that in new measurements the house size is reduced by 186 square foot. Because of this size reduction my house valuation is coming at least $25000 less than what it should be.Issues: We are not sure which appraiser is correct on size?
What I did to solve this problem: I called both appraisers politely to reevaluate their measurements but no one is responding to my calls.
I called city appraiser's office and they have 2846 square foot in their system. They said they can't help me further.
I called builder and as per them the house size should be 2663 square foot.
I tried to get the purchase documents from first owner when they bought the house first time but they are out of country rite now.
I myself did the house measurements and it looks like the house size is around 2660 square foot.With all this work and findings, my biggest concern is: Assuming the house size is 2660 square foot, not 2846 square foot for which I paid when I bought the house, this is case of fraud and cheating. If I look at appraisal (one with 2846 square foot), the per square foot price at that time was $96.63, so I paid almost $17974 extra cost of the house. Plus if i go with all the calculations then since purchase i have paid extra loan interest , property tax etc on wrong price.My question is:
What can I do about this fraud or cheating. Please suggest or direct me towards something that can help me.
Can i sue previous appraiser? Do I have strong case?
Hi guys, I'm half-way through the process of buying a short sale property in California, and was hoping FWF could help me out with some info. I've tried googling the issues, but haven't found what I need....If you're like me and like context to these stories, here it is (no e-peen intended): I'm married, wife works, affording the home is a smallish issue. We'd be ok if one of us lost a job - hurting, really really bad, but ok. Likely purchase price is ~510k, my comp analysis puts the value at ~560k based on standard sales. Discount that by discount on distressed homes (per RealtyTrac for Q2, 21% nationwide and 32% in Los Angeles, sources linked below), and.... well we may be overpaying but we love the house and I'd still consider it a good deal. This property would be our primary residence. Credit is good (side note, keeping my credit score high has kept me from taking advantage of checking account and cc signup deals, which sucks).My questions are....1. <20% down, rehab, refinance @ >80% LTV. We have the cash for 20% down, but we'd be cash-strapped after repairs (the house needs a new roof at the very least). My preference would be to go with 12.5% down, refi after rehab, putting additional money in if necessary to get out of PMI. Barring external forces (quick/violent market decline, interest rate spike), this looks like a workable approach. Does anyone have experience with this strategy? For the initial loan, I'd go with negative points if possible. I'd hold the loan long enough to keep my mortgage broker on good speaking terms, and go for one of those no-cost refi deals.2. Property tax reassessment. My understanding is that I will have to pay property taxes on the current assessment value for ~6mos, until the property gets reassessed. Current assessment is 30% above the likely purchase price. When the property gets reassessed, will they simply use the purchase price? Or will they visit the house, and ding me for the rehab?Any help would be greatly appreciated! Thanks.Distressed property discount links:
http://nationalmortgageprofessional.com/news26385/31-percent-q2-...
http://www.dsnews.com/articles/short-sales-offer-significant-dis...
I recently moved my business credit card to Ink Bold, primarily to take advantage of the sign-up incentives, reward options.The Zip free online invoicing service (re-branded PaySimple Invoice Simply, $11 per month value) is interesting, as is the Zip Pro, which adds credit card processing, ACH for $35 per month, plus 2.29% + 29 for credit cards, $0.55 for checks. We currently use Intuit for online CC processing, which works out to about 6.5% + $2, with a monthly fee of $14.95.There are few PaySimple online reviews, most from unhappy users, so it is difficult to determine if it is worth making the move. Chase is VERY specific with their disclaimers, so I would not expect them to step in if there was an issue.Does anyone have any direct experience? Source for MULTIPLE, OBJECTIVE reviews?
I live in Glendale, CA in a 4 unit quadplex. I moved into my current unit 2 1/2 years ago and signed a pretty standard 1 year lease. Once the lease was up, the landlord wanted me to sign a new one, with a small rent increase and some lease changes I did not want. For instance, he wanted me to be responsible for plumbing and fixing any built-in appliances. After going back and forth for 3 months I never signed it, so I'm currently month to month.Recently, he got in contact with me again and said I need to sign a new 1 year lease. My main qualm is that it is standard practice in SoCal to go month-to-month after the initial 1 year lease. I've paid every bill on time and have been a good tenant. So I don't believe he is doing anything wrong, but I basically want to stay month-to-month so I can leave at my leisure. Today I was told I have to sign it, or alternatively, I can sign a 6 month lease and get a $100 rent increase, which I don't want to sign either. He also suggested I can go month-to-month for an even larger increase in rent.I'm wondering what advice you have on how to convince my landlord to let me stay month-to-month. I did offer to sign a lease of 1 year if there is a clause to get out with 60 days notice (instead of the usual 30) but he refused. I'm also skeptical of any new lease because this landlord has done some crappy things like threaten to raise rent if i use too much water, promised me a parking space when old tenants moved out (not on the lease and he went back on it, lesson learned) etc. My main thinking was that over the 2 1/2 years since I've lived here rent, has probably stayed the same or even gone down on average. What is the best way to find out if that is the case? I thought I could use numbers to show why I should be able to stay off lease without paying additional rent but I don't know of a good source. Any other advice is welcome.
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I got this sent to me a few months ago:http://www.rav4ecmsettlement.com/content.aspx?c=4720&sh=1Lo and behold, I remember I did have to replace my ECM module back in 2008. Luckily, I saved the repair order/receipt, which had details on what they had to repair, which clearly stated the ECM as one item. Below is the sequence of events:1: I sent in copy of the repair order a couple months ago to the address detailed in the link.
2: I got back a response a few days ago claiming that they received my info, but would require "detailed statement written by servicing dealer on their company letterhead stating the symptoms of the vehicle when brought in for repair and root cause...etc".
3: I called Toyota (number on the response), they said they need this because they want to know the root cause from the manager, and cannot further my claim without it.
4: I called the repair shop, owner said the manager who did my repair is gone...and all they got is the repair order, which I already had. He refused to do anything more for me because he doesn't know anything beyond what the repair order said.
5: I tried to call the number in the link (under faq) to see if I can talk to someone about this case...it was all recorded.What are my options now? Am I SOL? I remember why I brought my car in...because the gear shifting was loose and would slip between gears. My car had 80k warranty...when this happened, it was just about 200 miles over that 80k, so I had to shell out around $4500 out of pocket to pay for this. It would be really nice if I get reimbursed for even half that amount.Thanks in advance for all advice!
i have waited to purchase a food and candy gift basket
and finally decided that this is the time. 1 item i had placed in
my cart was no longer available, so i went ahead and finally
placed my order, using LUV2SHOP30 for 30% off and TREAT4MVC
for free shipping,( which i didn't need, ha, ha)! i also got 10.00
cash, for spending 50.00... can't wait to break my new years , lose
that fat, resolution!!!
I got my first traffic ticket yesterday and would appreciate your help for my questions.I was speeding 78 on 65.1. When will I get to know the actual charge?2. Will I have the option to go to court and plea for reduced charges? 3. I want to take the traffic class online. Will i get this option even if i take option 2? i.e. Can i take the traffic class (online) AND get reduced charges by appearing in court?4. The court address on the back of the paper i got from cop has the Homestead
-Santa Clara address? Is this where I need to go? I thought south bay people have to go to Palo Alto?Thanks
Recently I filled an application form for renting an apartment and as a standard process I was told that they would run my credit. I believed that it would be a soft pull but I did not clarify it with the agent while filing the application. Couple of days back I received a notification from CreditKarma indicating that there was a hard credit check. I am really happy that the property management company did a hard pull before renting the apartment to me. Is this normal? Is there anything I can do to get this credit check removed from my report?
Thanks
LinkYou can usually pick up O'Reilly ebooks at half off direct from their web store if you are patient and catch a daily deal, or have a code from another source. $5.98 seems to be a better than half price deal on this book on Ruby, with a number of positive reviews.It was published in 2008, so maybe they are clearing out their Kindle Edition inventory to make room for a new edition.
LinkyThe kit includes a canvas carrying bag to hold both tools also, 1000 fasteners for both the PBR50 and PP123 1 in. Micro Pinner.
Light weight design - Anodized aluminum cylinder - Anodized aluminum rail (magazine) - Air filter/anti-dust cap -
Ergonomically designed grip - Reversible belt hook - Oil, goggles and wrenches included - 7 year limited warranty. Obviously this is not a kit for professionals, but for those of us that will only use a few times a year it is a good deal.
My wife is planning to short sale a condo (held in her name) and planning for that process to start near the end of this month/early next month. Since her credit will take a major hit anyway, I was thinking it might be a good time to set up an AOR or at least a mini-AOR, since her credit is about 800 right now. I'm curious as to what FWF might think about this. Good call? No? Also, if anyone has any suggestions as to some offers to go after (or a place to look on here to find such offers), that would be helpful as well.Thanks to all.
I found this great site by doing a Google search on Chase Refinance Experience and found the thread on on Chase Refinance Kind of Rocks. After more search I never did find a detailed account of the process. In effort maybe to help others who have some of the same questions I have I would like to use this thread to document my experience. If this against forum rules or if there is a better place for this please let me know.BTW this is a great board. I have found so many good suggestions on money saving tips. I wish I would have found this earlier..My story so farRefinance Process with Chase
December 29th Filled out an online Pre-Approval application with Chase to see if we qualified for refinancing. We are currently paying 6.125%. Same day we are contacted and got all the loan details. Talked over the details and said we are being offered a rate of 4.375% with a 30 Year Term. There was a $395 fee but would be used toward closing cost (around $2,000 + Escrow Insurance needed). Essentially we will be adding 4 years to our mortgage and financing about $4,000 more. We will be saving ab
This is part of a streamline process with Chase and said they would send an email package and the only things I would need to send back is a couple of documents: Copy of DL of Wife and I, Right to disclose, ok to pull tax information, and proof of home owners insurance.
Original person at Chase called us and said we did not go through the automatic process because there was a bankruptcy that was showing up. My wife and I freaked. Immediately called him back, got copies of credit report, and contacted our credit union to see if they saw anything about a bankruptcy. Everything came out clean. I emailed our Chase contact and said we do not want to proceed and pay the non-refundable fee if we are going to be denied because somewhere on his system a bankruptcy is showing up. In an email he said we will be refunded if the loan does not go through.At this point we are freaked out about the bankruptcy thing and asked our Chase contact to get us more information on this if possible. Other than that the process has been painless and smooth. Our initial Chase contact was great to work with. January 4th Chase sent these documents via email and received the official package. We filled out the required docs and send right away. We were then emailed giving us a name of a new contact who will work with our loan this point forward. Transition was clear of who was doing what and where we should send any questions. January 9th Got an email from Chase with our credit scores. All looked good as we expected and confirmed there was no bankruptcy of any kind.January 10th My wife gets a call from Chase leaving a message for a guy named Kevin in regards to the refinancing he was doing. She immediately calls back as asks if this was in regards to our refinance and the guy who called apologized and said it was not for us. With the bankruptcy thing still in mind and not hearing anything if the received our paperwork my wife emails them asking for a follow up.January 11th NothingJanuary 12th - Get a call from our new Chase contact saying she has not received the paperwork for her to proceed. Of coursehere we go! I immediately resent the email with all the information I sent on the 4th and followed up with a call but got her voicemail. I also asked for confirmation when she gets the documents and attached a confirmation of receipt on the email. Guess we will see.. Hoping not to become one of those Chase horror stories you read about all over the internet. In the package it said we had 3 days to return the information so I am wondering if our rate lock is still in place or how this will impact the process other than being delayed.
Blair
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Powerbags by Ful at Office Max is now on sale for $99.00 (messenger, backpack and sling). Price Match F.Y.E for $69.99 I was able to use the 20% brown bag discount bringing my total to $55.99 plus tax. Great Deal for this bag. F.Y.E also has the backpack for $69.99 for PM.
TextRemovable, lightweight rechargeable 3000mAh battery:The built-in battery system charges the average smartphone twice and includes Apple, Micro-USB and Mini-USB connectors and a USB port. Charge literally hundreds of devices including smartphones, eReaders and many tablets. Tablets must be charged with their own USB cable through Powerbags on-board USB port.

External one-touch battery level indication and power button:The logo button turns Powerbag on or off when you press and hold for 2 seconds. Or press the logo button once quickly to see how much power you have left.Water-resistant AC adapter charging port: When its time to recharge Powerbag simply connect the included AC adapter and plug it into a wall outlet.

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TextCelebrate soup with Pollo Tropical on Wednesday, January 18 as the popular restaurant chain
offers a cup of either its Caribbean Chicken Soup or Split Pea Soup for just $1 all day! This is the second year Pollo Tropical has celebrated the special holiday. No coupon or additional purchase is necessary, all customers have to do is say Happy Soup Day to the cashier! Since this is one hot offer there is a limit of two $1 cups of soup per customer. The offer is only valid on Wednesday, January 18.The Pollo Tropical Caribbean Chicken Soup is a hearty soup featuring tender pieces of chicken
breast, corn, yuca, plantains and pumpkin. The Split Pea Soup is a Pollo Tropical original recipe,featuring green split peas, chorizo (a Spanish sausage), ham, potatoes and Caribbean seasonings."Winter is the best time to enjoy our popular Caribbean Chicken Soup, and this is our way of
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Just read the transcript:Print Copy Email Close
chat id : 7e137801-4c6e-454e-9a5f-c8e67873eabf
Problem : Order Information
SHANE > Order Information
Anmol > Hello SHANE_, Thank you for contacting Comcast Live Chat Support. My name is Anmol. Please give me one moment to review your information.
Anmol > I would be more than happy to assist you. How are you doing today?
SHANE_ > I'm good, thanks.
Anmol > Glad to hear that you are doing good.
Anmol > Are you an existing customer with Comcast?
SHANE_ > Yes
Anmol > Thank you fore being a loyal customer.
Anmol > Please provide me your last 4 digits for SSN for verification?
SHANE_ > (deleted)
Anmol > Thank you
Anmol > As I can see you want Showtime. Am I correct?
SHANE_ > it said showtime cinemax and starz were free for 12 months
Anmol > Allow me to check it for you?
SHANE_ > sure
Anmol > Shane, As per your Market there is a promotional rate for cinemax and starz for $10.00 for 12 months.
SHANE_ > you mean $10/mo
Anmol > Yes.
Anmol > Please wait.
Anmol > Yes you are correct.
SHANE_ > no thanks. the website i was at said free for 12 months.
SHANE_ > https://www.comcast.com/shop/
Anmol > yes you are correct.
Anmol > I found it
Anmol > HBO is also free.
Anmol > Do you want me to add HBO too?
SHANE_ > may as well throw it on there for me then please
SHANE_ > thank you very much anmol
Anmol > I have added HBO, cinemax and stars. In your account
Anmol > Is there any thing else I can assist you with?>
SHANE_ > showtime wasn't included?
Anmol > Show time is not included.
SHANE_ > no sir, that's exactly what i was looking for. it's good until january of 2013?
Anmol > HBO, cinemax and stars are free for life time. However I am adding Showtime free for 3 months. There is only option for 3 months free is that fine with you?
SHANE_ > nah, we can skip the showtime then
SHANE_ > you're awesome anmol. thanks again!
SHANE_ > have a great day
Anmol > Same to you too
I will make this short and sweet (I tried). My wife was on disability and became employed. Requested that they stop paying her. Paid her for over a year. She put in savings account. They finally stopped paying her and requested all the money back. They paid her until the end of 2010. She paid them back in 2011. She paid taxes on both full time wages and social security in 2011. She just received IRS reporting form showing the repayment during 2011. Is she eligible for repayment of over paid taxes from last 2010 year or an adjustment for 2011 tax year. She used her parents accountant last year and he had nothing definite to say about the situation, but had a fancy projector and all bound up nicely documents. Last tax year we were unmarried and this we are married. I do my own taxes but need to figure out her special situation.If there is a better sub forum or an entire forum that is better for this type question I will gladly ask there also. Thank you.
I am in the process of getting rid of my timeshare (earlier post), the resort will take back the deed, as long as I pay their lawyer.
After seeing how hard/imposssible it was to actually sell it, I'm fine with paying the $300 , as a savings on making future MF payments.Issue is, their lawyer found a loan recorded from the previous owners who sold to me, for $1,200 that is not recorded as satisfied. She says
the person who holds this, often does not record the satisfaction of the loan, until years later, and is slow about it.Course now I want it to go through quick, so I faxed details and my surprise to the timeshare closing company that handled it when I bought it in 2004,
and expressed surprise, how could (since I was paying for title insurance, this be allowed, as the debt was from 1994).
A week later I phoned this Timeshare Closing company, and basically they kept saying, "if i wanted to sell it I had to deal with the lien holding person",
I kept expressing, since I paid for title insurance, it should be clear, and they need to fix it.I can go to the county website, its in FL, and look at the records and see very easily the mortgage on the property from 1994, so surely a professional could not miss it.I wrote a letter to the previous owners, telling them the issue, and telling them that if they did pay it, it does not show, and someone might sue them for the $1,200 unless they tell the mortgager to record its paid up. I found their phone number and called, but no answer either.What else can I do (besides wait months and months and hope the slow lien holder does register it.) ?
a high value $3/1 Cortaid coupon was available in the 1/8 SS, get better than FREE Cortaid at WalMart! Heres howCortaid Hydrocortisone Anti-Itch Cream Maximum Strength $2.50
Use the $3/1 coupon found in the 1/8 SS
Final cost FREE + $0.50 in overage!
Hi All,Please excuse me if I am not following proper guidelines. My sister's husband just found out this morning [1/12] his son was killed in Miami, Florida (he was robbed). They are trying to rent a 12-15 passanger van to Miami to make arrangements. I have volunteered to cover the cost of the van but I didn't know it was over $140/day. They need the van for at least 4 days. If you all know of any way to make it more affordable, I would be so grateful. Thanks.
LinkA great little kit to kick off your child's drumming career.The Pulse 5-piece Junior Drum Set is a real drum kit that was designed with the little drummer in mind. Smaller-than-standard drum sizes include a 16" x 12" bass drum, 8" x 5" and 10" x 6" mounted toms, 13" x 10" floor tom, and a 12" x 4" snare.It also comes with all the necessary hardware: a kick pedal, cymbal and hi-hat stands, and a throne. Complete with a 12" cymbal and a pair of 10" hi-hat cymbals.
http://www.harborfreight.com/2-piece-cutting-board-set-94044.htm...There seems to be a 10% coupon floating around, yet I can't figure out how to print it out for in-store use so it may be online only. Post if you can figure it out and I'll edit. There is an 10% off online code, winter10, but shipping is flat-rate $6.99; that's an option if there isn't a FHT near you.I bought two of these and have been happy. I often use two cutting when cooking, one for prep and one for post and it's nice to have several poly boards on hand as you can just throw them into the dishwasher.
I just moved from Gainesville and Compass bank. Compass recently discontinued their ATM fee reimbursement program (as of 9-30-11) and there aren't any Compass locations here anyways. I searched but didn't find any recent threads on this (the most recent was somewhere around six months old). What B&M banks in Orlando, if any, offer ATM fee reimbursement? That's really the only feature I care about in a bank. Credit unions are fine, too. I'm asking since I'm new to the area and not too familiar with a lot of the smaller banks in the city. I also haven't shopped banks since the tail end of 2006.
add to cart for $718.20
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Choose from select clothing styles sold by Amazon.com and get $10 off $50 orders with promo code STOCKUPA and $20 off $100 orders with promo code STOCKUPB for women, men, girls, boys, baby girls, and baby boys. See All.
I was a local Rite Aid and they had all the discovery kids stuff marked at 75%. everything except laptop was rining fine at 75%, for the laptop the manager did adjusted the price.. best of luck..Moon lamp rang for $3.24
Amazon link - http://www.amazon.com/Discovery-Kids-Lunar-Phase-MULTI/dp/B004CZ...
Logitech Wireless Keyboard
Color: Fuchsia Burst
SKU 097855075864 Picked up this little wireless keyboard at my local Staples. It rang up at $2.50. Only Fuchsia Burst color/style was at this price. The dark color is still ringing up at $29.99. There was no clearance tag on it, but it was in a random clearance spot, next to the $5 & $10 deals.The keyboard is covered in butterflies...and it is on the smaller side, I don't recommend it for anyone with larger hands.
Was in my local Microcenter tonight (Cambridge, MA) and i was surprised to see in their array of tablets they still had the HP Touchpad 32gb for sale and not refurb.Price was $249, or $149 with HP Computer purchase. Sales guy said they had lots.
Hi FW,Are there any tax people out there. My wife and I just got married in November so this is the first year that we will be able to file joint returns. I was wondering if anyone had any guidelines on whether it is better to file jointly or separately. Here are some facts around our circumstances:My wife is a dentist, she currently doesn't have a practice and just works as an employee. She makes around 100k and has negligible business expenses.
She does not have any major deductions.
She does have school loans that she is still paying off.I am a regular employee at a company and make around 140k.
I own a house with a mortgage, most of the mortgage is interest.
Mortgage interest and property taxes are my major deductions.We plan to buy a practice in the near future, so will have major business expenses related to that most likely.
We live in CA.I can't think of any other key facts. If you have any questions let me know. Based on my own research so far, it most people say in general filing jointly is better for most people. But I'm not sure what the exceptions to that might be. Any tips or guidelines that you know of?Thanks for sharing your wisdom.
Adorama offers the Kata EXO-7 Camcorder Shoulder Bag, model no. KTVAEXO7, for $29.95 with free shipping. This bag accommodates most DV and High-8 camcorders. It features a removable bottom compartment, attachment for small tripods, adjustable shoulder strap, and more. (was $80)
LINK
I found this offer on there website while you create account on there website at top right and click send me deals email they will send you the link 5mins after you sign up. At my local Pizza hut was no-minimum purchase for it pickup so i went and got the breaksticks for free. Once you order the link expires but you can make more accounts with different emails.http://www.pizzahut.com/ Top right Create Account when doing this click Send Deals Email.Baked Cinnamon Sticks with icing - single order (free)5 Breadsticks with Marinara Sauce - single order (free)Each Pizza Hut is Different. My local pizza hut has Cheesebread or breaksticks with cheese sauce option but it makes it $1 order for it.
Hi. Wanted to discuss New York Energy deregulation. As many of you know, there have been firms soliciting switching energy providers such as Energy Plus which often gives miles thru rewards programs or firms approaching customers trying to drum up business. All these firms seem to have the opposite effect on the consumer, ie exist for profit of the business to grow with Multi Level Marketting tactics all the while the consumer winds up paying a higher price for energy.In price shopping out the ESCO market for NY, I have only found 2 companies with fixed rate programs which were competitive:Con Edison Solutions which is actually owned by the reregulated arm of the existing power company which offers a Fixed rate and renewable energy options so I wouldn't really call this competition.And the other was Energetix, owned by Iberdrola USA which actually owns the upstate power companies Rochester Gas and Electric and NYSEG. Con Edison Solutions gave a 9.1 cent fixed rate for 12 months while Energetix's offering is now 08.785 cents per kWh for 12 months fixed rate. Energetix's offering had a $35 cancellation fee if cancelled early, and gives a $25 new customer incentive after 8-10 months. Looking at energy supply graph curves, it looks like energy prices are going down from the utilities for supply right now and its unclear if Energetix would be a favorable deal or not since one can't predict future market pricing. Has anyone actually used Energetix as their energy supplier or are there other ESCO's in the market which I may have missed with could potentially have lower rates?I am wondering if I should switch to Energetix next month and if other NY'ers follow suit if they to would see savings.
I just got locked in at 3.875 for a refi 30 year fixed. I have a FHA loan and can streamline. My closing cost should be around $2400. The deal seems to good to be true. It is through my bank 5th 3rd. They offered me a lower rate to use their auto payment from checking. My current mortgage is at 6% loan is roughly 173k to payoff. The original amount was 183k. Becasue of FHA streamline I do not need an apprasial. An apprasial would kill me my value is about 150k on the home.Does this sound like a deal? I'm not great with mortgage but learning ThanksFeedback is welcome! positive and negative!!!
Got an e-mail about this (expires Mar 1 apparently), told me to contact 1-800-THANKYOU, where they couldn't help me, but gave me this #: 1800-308-4158.

Called them up, they told me I had $12 and change in Driver's Edge rewards, which was short of the minimum ($25) needed to convert - but without me prompting, they said they would zero it out and credit my account with 2500 Thank You points ($25 worth, basically). If you possibly have a few bucks left in Driver's Edge rewards, certainly give them a call. Was on hold for about 5 minutes, call took 2-3 minutes.. not too bad.
Imprelis was a weed control product developed by Dupont that was removed from market and banned by the EPA due to widespread evergreen tree damage in the Midwest and Northeast United States.This is in the finance forum because Dupont is offering compensation to those within their resolution process. Has anyone that has had trees affected by Imprelis and is part of Dupont's Claim Resolution Process been sent a letter detailing a compensation/resolution package? Some of us who've already had site visits to evaluate the damage and claims have been processed are still waiting for the actual letter detailing Dupont's compensation to us for damages, replacement, soil treatment and so forth.I realize the lawsuits concerning Imprelis have been combined into a class action, but my question is for those who are trying Dupont's direct compensation claims process. Obviously, the longer they delay compensation the more property owners may file suit which would become more costly to Dupont due to treble damage laws in states like Ohio (courts award triple the damages in regard to landscape damage). Right now Dupont shareholders are looking at about 1 billion in damages related to Imprelis according to WSJ, but if more cases leave Dupont's Claim Process and head to court the figure could go to 3 or 4 billion. So, this is also in the finance forum for information that shareholders can keep aware of this and factor in their projections concerning share price going forward.
I need a hotel for my 2/11 cruise out of Luaderdale and need a hotel for the two nights prior. Hotel prices are really high for that time so I'm trying Priceline. I know there are some sketchy areas in Lauderdale so I was wondering if someone could check this map and tell me if there are any bad areas in the #2 section (which they call downtown Fort Lauderdale). Also, if you have any experience with Priceline and have a bid recommendation please let me know!We'll be there for one full day before the cruise so we'd like it if it was an area we could walk around and maybe walk down to the ocean. Also, I'll need a liquor store to fill my Rumrunner Flasks before we board the ship Priceline Link to Map of LauderdaleThanks!
Either for baby, fresh scent, or scent and dye-free 25% promo code CRATE25
2 Days Only, expires after 1/12
Works in all washers, all temperatures, all fabrics. Never measure laundry detergent again!
Dropps bulk up and save
I received one of their usual limited-time coupons promotion email, which are targeted to only work with the recipient. Among the various coupons was a 20% off all Rosewill external enclosure. You can buy multiple enclosures and receive the 20% discount (max $200 per order) as well as a $20 GC with each enclosure. YMMV! Some people have reported in the past successfully using codes with which they never received the promo email.Rosewill METAS 3.5" USB 3.0 & eSATA External Enclosure (N82E16817182245) = $44.99
20% off All Rosewill External Enclosure Promo Code (BTENJNA24)* Expire 01/15/12 = -$9.00
Newegg Promotion Gift Card - Expire 01/22/12 = -$20.00TOTAL COST = $35.99 OTD with Free Shipping & $20 Newegg Gift Card
Use Newegg CB for an additional 1.3% or $0.47 savings.Manufacture Product Link => METASSupport up to 3TB (Windows Vista/ 7)
Fan strength control switch for internal cooling
OS supports Win2000/ ME/ XP/ Vista/ 7
Power: 100-240 AC Adapter with 12V/ DC output
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Text message GLAMBODY to 467467 on your cell phone to get it
Citibank thankyou network is stealing your money systematically. Be aware!If you don't monitor your thankyou network points balance, you might be a vicitim already! Citibank will steal your points and these subtracted points will NEVER show up in the transactions / statements. And if you call in, they will tell you because you closed a checking account or a credit card. But for me, this is not the case. I know citibank will give you 30 days to use the points after you close the account, so I always use ALL my points immediately after I close the account, sometimes I even used up all the points BEFORE I close the account. In my case, I successfully got the points back after numerous calls.
04/22/2011 Adjustment Adjustment 8,xxx
And I'm still waiting for another adjustment now because of a closed credit card. (The card was closed in Aug, 2011. I used up all the points in Aug, 2011 and the hidden subtraction was in Dec, 2011--As I mentioned, the subtraction NEVER showed up in your thankyou network transactions! You have to call to find it out!)Be aware, the subtraction never shows up in your transaction! If you don't monitor your point balance, you can not find this out!
And shitty bank is doing this systematically!Call thankyou phone # at 1-800-thankyou to find out if there's any HIDDEN subtractions in your thankyou account! If there's any, ask WHY?citibank needs a class action---victims! Post your experience here!BTW, we earned / used more than 800k thankyou points in about 6 years. I think I know something.
I won a small claims judgement against a company (defendant didn't show up in court) for $3-4k. The company filed for chapter 11 bankruptcy a few days BEFORE the judgement was awarded. (Apparently, the company has 30 days to contest the judgement since they were a no-show, and must have good reason for being a no-show to even have a defense considered), so I'm waiting that period before I do anything to collect. But I wondered if anyone had experience trying to collect from a bankrupt company, and I wonder if anyone knows if it makes a difference that the judgement was awarded AFTER the filing?I have a legal plan, so I will probably talk to a lawyer if it looks like they might be helpful, but it seems the expertise of the plan lawyers doesn't likely go into this kind of situation - so I thought I'd start here first.
I put this in the official thread, but felt this deal was worthy of its own because it's, well, Zelda.If you are unfamiliar with Club Nintendo, click here for the official thread.These are NOT Wii points, but the points you earn with purchasing Nintendo branded games. You may have codes in your cases that you weren't even aware of.Enjoy.
Update on the truck buying situation. I put together a list of 15 trucks that were in the year range that I wanted and model/color and sent an email with an ofer of $25,500 for each of them. I have received responses from all but 2 of the dealers with significant decreases in their asking price. The closest anyone has come to my offer is $26,750 for this truck link their price includes shipping the truck to my front door too. I am calling him as we speak to finalize the deal. Thanks for all your help!--------------------------------------------------------------------------------------------------------------I planned on buying a truck today,(Link to Truck) I had prepared by getting comparable trucks in the area, KBB trade in values (to get a starting point for my offer), recently completed eBay auction prices and recent Manheim prices. I thought it was a well formulated plan. I was going to show up- drive the truck, offer them $500.00 over what they gave the seller in trade, and drive home. I have financing lined up 2.49% for 60mo , a 25% down payment and insurance quotes. I was prepared to offer 24,500 with 25,500 being my ceiling.
The plan fell apart when the F&I Manager laughed in my face and told me they gave the previous owner $27,000 for the truck. I asked to see the bill of sale for that vehicle and what I think they did was shift profit from the car they used this trade in for to the sale price of this truck. The lowest they would go on the truck is $26,400 and that was only if I used their financing. Are there any strategies that I can try to get them to come down in price or will I just have to find another truck? Thanks in advance for any help.
I'm planning to travel a bit in Europe in a couple of months but definitely want to find a way to avoid the foreign fees. I'll be there about 9 days.As I understand it the credit cards will take a % on the FX exchange equal to 1-3%. Do they also charge a foreign service fee for charges (not $ withdrawls)?I was looking into getting a card with no foreign fees, however if the only thing to consider is the 3% fx fee, that'd only be $30 on $1k. Thanks to anyone for sharing any insights here. (Last time I went abroad was a while back when I was young enough not to really care).
I am sure many FWers already know about 20% discount bag at OM due to Kindle Fire/tablet deal posted earlier. (now in expired deal for some reason) I walked into OM today to buy Acer Iconia for $279.90 but they had 0 in stock and told me they had to transfer it from another store. Then the guy just asked me, "Why do you want it? Is it because of price or you like the model?" I said both. He then asked me whether I would be willing to buy Asus TF if the price was same while checking the inventory. It seemed like they were trying to get rid of tablet in general. Anyway I took the offer and he price matched it to Iconia and gave me 20% since they had one in stock.There weren't too many Iconia showing up for inventory check. Most stores had 0 and a few stores had 1-2. I remember Downey store had 2 units so don't go there unless you want to buy Iconia. So if you were to go to any store with NO Iconia, you can try asking for possible price match of Asus TF to Iconia. It appears that there are more Asus TF available than Iconia due to higher listed price.Either that or you can just wait for Asus MeMO370T 7" tab w/ Tegra 3 for $249 in Q1-Q2 which is another great deal in its own right but smaller screen, better performance, few months of wait, and $~30 cheaper.
Staplez has the Memorex Portable BluRay Writer (376099) for $99.99.
The poor reviews at the Staplez website appear to be from fairly clueless users since Bluray still isn't completely plug and play. Simple solution is to rip the Bluray to your hard drive and then get a free bluray player such as VSO or VLC (Google will help find the software).
The next cheapest I could find was a Sam_sung at New_egg for $114.99.
Most Staplez stores have one or two in stock. It can also be ordered from their website.
With in-store PM to the website and the use of coupons and reward checks you can get this drive for a lot less than $99.99.
My total came to (with tax) $56.70 after PM, 15% off $40 or more coupon, and rewards.
I have no doubt others will be able to get this cheaper due to higher rewards and/or coupon usage.
The bluray writer inside the Memorex case is actually a Pioneer BDR-TD03 found in some So_ny laptop computers. I found one place on the web that had the bare drive listed for about $185!!!
Good luck and enjoy!
Forgot to mention getting Image Burn (freeware)(Google again!) to write Bluray disks.
Acase leather case for ASUS TF201 Eee Pad Transformer Prime @ $5.44It was $15.4.http://www.amazon.com/TF201-Transformer-10-1-Inch-Leather-Acase/...
Shameless copied verbatim from sdTime warner HD Cable, Internet and Phone $79.99 plus up to $200 Dish Network or Direct TV termination Credit. The Time Warner rep confirmed this was a national promo.I currently have dish network however my package price just changed from $30 a month to $55 a month after 1 year. I knew this was going to happen however I figure it was worth a call to Time Warner to see what promos where running. I called time warner to find out if any deals are ongoing. I was told about the following deal. Which is fixed for a two-year term and also pays to get you out of your contract.Time Warner Digital Cable with Free HD
Time Warner Road Runner Mid Level up to 10 Mbs (upgrade to Turbo 20 mbs for $10)
Time Warner Digital Phone
Free HD DVR for TV number 1 $11 to $15 a month savings
Free Standard Cable box for tvs 2-4 $7.18-$21.54 a month savings
$79.99 fixed for 24 months no contract just price fixed for 24 months I got confirmed pricing of $79.99 plus tax for a total of $83.28 includes 1 HD DVR box and 3 standard cable boxesOn top of this you get Free Installation and up to $200 credit for early termination fees from Dish Network or Direct TV. To take advantage of this offer you simply need to have a competitors cable service. The following link has the forms needed for the early termination fees and the discount pricing. http://welcomebacktotwc.comI called the following number 1-800-TWCABLE (1-800-892-2253) for the promo. I currently have Time Warner Road Runner basic and pay $39.99 a month for and along with the $54.99 to Direct TV it was a good idea to switch to get faster internet and added phone service and early term fees paid off.
This is what is included- Digital TV includes:* Over 200 all digital channels, including more than 40 Music Choice channels and an interactive channel guide
* Option of HBO and Cinemax $15/mo. for 3 months which can be chosen when you make your TV selections
*Free HD DVR box and service
* A variety of HDTV channels including free local HD
* Movies On Demand and Free On Demand
* Free Standard Boxes for up to 4 tvsRoad Runner Broadband includes:* Download speeds up to 10 Mbps
* FREE Anti-Virus protection, Anti-spam, Firewall protection, web support
* FREE Internet Parental ControlsDigital Home Phone with Unlimited Nationwide includes:* Unlimited calling anywhere in the U.S., Canada and Puerto Rico for one low monthly price
* Call Waiting, Caller ID (even on your TV screen when purchasing Digital TV), Call Forwarding, 3-Way Calling and Voicemail
* VoiceZone to screen and track calls and check Voicemail from any PC or Macintosh
* Keep your same phone number or get a new one
* Enhanced 9-1-1 which automatically sends your home address and phone number to your local dispatcher when you call 9-1-1I know Time Warner is currently running a 12 month promo for $89.99 however it doesnt include the tv boxes or setup charges and one times fees. For 4 tvs the monthly cost would be $118.71 plus tax and setup fees would be $69.97. So it is a pretty great savings for Direct and Dish customers.
WalMart.com has the lalaloopsy playhouse with doll and pet included for 84.90 F/S Site to Store Link: http://www.walmart.com/ip/Little-Tikes-Lalaloopsy-Playhouse-with...
I found this offer on there website while you create account on there website at top right and click send me deals email they will send you the link 5mins after you sign up. At my local Pizza hut was no-minimum purchase for it pickup so i went and got the breaksticks for free. Once you order the link expires but you can make more accounts with different emails.http://www.pizzahut.com/ Top right Create Account when doing this click Send Deals Email.Baked Cinnamon Sticks with icing - single order (free)5 Breadsticks with Marinara Sauce - single order (free)
http://www.allegiantair.com/aaLanding2012/01.10_EarlyBird.php?ut...Book tickets by Jan 25. Travel is valid from now through Aug 14. I looked up ticket from San Francisco To Phoenix and it was $19.99 (not incl taxes and fees) one way.
Use coupon code EXTRA15
Several different styles and colors, but some are already sold out.
27 ounce size: http://www.pbteen.com/products/girls-classic-water-bottles/
18 ounce size: http://www.pbteen.com/products/girls-icon-water-bottles/
I was just at HD looking around and saw this finish nailer on clearance. It was sitting on an end cap back by the compressors and welders. The SKU is 477-213. I did not buy this because I already have a Bostich finish nailer, but I thought some of you would like to check it out.You can see it on the HD site here
While looking around at HD tonight I saw this compressor for on sale. My store in Souther Indiana had 4. I didn't get one because I already have a large compressor, but thought someone might like to check it out. SKU is 402-490This same compressor was posed on FW back in August for $99 Old FW postCompressor
Washburn WF11SCE Solid Cedar Top Mahogany Back and Sides Folk Body Acoustic Electric Guitar
Link
Sku #:WF11SCE
Manufacturer:Washburn
Mfg. Part #:WF11SCEList Price:$599.99
Our Price:$379.99
Sale Price:$227.99Thanks Linux Crew
Cabela's
Carhartt Quilt-Lined Duck Active Jacket
Regular Price: $99.99 Sale Price: $39.99
Online Only Price limited time offer.
http://www.cabelas.com/catalog/product.jsp?productId=1237664&des...Possible 3% FatWallet CashBack- http://www.fullofdeals.com/Cabelas-coupons/Triple-stitched main seams
12-oz. 100% cotton washed duck shell
Midweight polyester insulation
Smooth, quilted nylon lining
Drawcord-adjustable insulated hood
Triple-stitched main seams and a rugged, 12-oz. 100% cotton washed duck shell offer ready-for-overtime durability and toughness for the harshest working conditions. Backed with midweight polyester insulation for mid- to late-season warmth. Smooth, quilted nylon lining for easy layering. Drawcord-adjustable insulated hood with quilted lining. Heavy-duty brass front zipper with storm flap. Stretchy rib-knit cuffs and waistband. Two generously sized handwarmer pockets. Two interior security pockets. Imported.
Sizes: M- L- XL- 2XL. Colors: Dark Brown, Moss, Midnight
-----------------------------------------------------------------
Men's Carhartt Arctic Quilt-Lined Duck Vest
Regular Price: $59.95 Sale Price: $24.99
This item is available to ship FREE to a store for pick-up. http://www.cabelas.com/product/Home/Mens-End-Of-Season-Sale%7C/p...4.5 out of 5 based on 24 Customer Reviews
This vest is made of rugged, 12-oz. 100% cotton-washed duck and features arctic-weight polyester insulation for ultrawarm comfort. Inside pocket with hook-and-loop closure. Two large front pockets. Brass front zipper with a protective interior storm flap. Drop-tail design for added coverage. Tough, quilted-nylon lining. Imported.
Sizes: M - L - XL - 2XL.
Color: Dark Green.
was $14.99, now is $11.99 with $3 instant rebate.
1/15-1/21 PREVIEWFREEBIESInternational Delight Coffee Creamer 1/2 price $1.39 after coupon, FREE!
$.75/1 1/8 SSColgate Toothpaste 3 for $3.99 Free after coupon, plus get $1 CAT when you buy 3!! So $1 MM!
$.75/1 any Colgate 4 oz or larger 1/1 SS (CA papers)CHEAPIES
Jones Golden Brown Links $1.33 After coupon, $.33!!
$2/2 IP Print http://coupons2.smartsource.com/smartsource/index.jsp?Link=4FFJG...Stonyfield Farm Organic Yogurt $.75 After coupon, $.41 each
$.50/3 IP Print [stonyfield.com]Kellogg's Cereal $1.99 after coupon, $1.49 (Fruit Loops & Apple Jacks)
$1/2 Fruit Loops/Apple Jacks[ Print [kelloggs.com]
$1/3 1/8 RPLipton Tea 100 ct $2.99 After coupon, $1.49
$.75/1 IP Print [WalMart.com]Smart Ones Entrees $1.48 After coupon, $1.07 each when you buy 12
$5/12 IP, $1/5, $2/8 Print [facebook.com]Nivea Lotion or Cream $3.99 After coupon, $1.49!
$5/2 1/1 RPPillsbury Brownie Classics $.99 After coupon, $,29!
$.35/1 11/6RP (CA & FL papers)Dole Smoothies $2 After coupon, $.50!
$.75/1 11/6 SS (Ca papers)Maxwell House Coffee $2.77 After coupon, $1.77
$1/1 tearpadEdge Shave Gel $1.99 After coupon, $,89
$.55/1 1/15SSHefty One Zip Bags $1.77 After coupon, $1.02
$.75/2 11/13 RPHefty Cinch Sak Trash (save $1.41) $3.88 After coupon, $2.88
$1/1 1/1RP
Tyson Breast Tenders $2.50 After coupon, $1.40
$.55/1 1/8SSEmerald Dry Roasted Peanuts 12 oz Honey or Dry Roast $1.74 After coupon, $.24!
$1/1 and $.75/1 1/8 RPEntenmann's 1/2 price $1.49+
$.50/1 Mini Cakes IP (if included) Print [smartsource.com] (Hasn't reset)STILL ON SALE:
CAT DEAL: Buy 4 get $6 CAT OYNO. After coupons and CAT,$3.49 each! [/COLOR]
Tide Detergent $6.99 After coupon, $4.99
$2/1 11 P & G
Keri Lotion $4.99 After coupon, $2.99 (Better buy 1/7-1/14-only $1.49 a/c)
$2/1 IP Print [smartsource.com]Campbells Chicken Noodle 49cAfter coupon, $.22-$.29
$.40/3 IP Print [coupons.com] credit supersavvy
$.40/4 1/8SSNescafe Taster's Choice .49oz $1.39 After coupon, $.09! (Reg price)
$.65/1 IP Print [tasterschoice.com]Chi Chi's Tortillas 3 for $5 After coupon $.66 each!
$1/2 and $.50/1 (FL papers) 1/8 SSLysol Disinfectant Spray 1/2 price $2.99 After coupon, $1.99
$1/1 1/1 SSLysol Kitchen Cleaner $1.99 After coupon, $1.49
$1/2 Lysol bathroom, all purpose or kitchen cleaners 1/1 SSLysol Disinfecting Wipes $1.99 After coupon $1.49
$1/2 Lysol disinfecting wipes 1/1 SSLysol Bowl Cleaner $1.99 After coupon, $1.49
$1/2 Lysol toilet bowl cleaners or No Mess Automatic toilet bowl cleaners 1/1SSPurina Cat-Spend $35, Get $20 ($5 for next 4 weeks for Purina products)-
Friskies Cat Food 24 for $9.99Wasa Crisp N Lite Crackers $1.19 After coupon, FREE
$.75/1 Print http://apps.facebook.com/wasaiFrame/GrowingCoupon.aspx credit supersavvyLibby's Peaches $.59 After coupon, $.09
Libby's Pineapple $1 After coupon, $.50
$1/2 11/13RP (CA papers)
Goya Beans (Chick Peas, Black, White, Pink or Red Kidney, small red, Roma Low Sodium) 5 or $3 (mb3) after coupon, $.40 each!
$1/4 (low sodium) or $1/5 (premium) IP Print [goya.com]French's Brown Deli Mustard $.99 after coupon, $.39
.30/1 IP Print [frenchs.com] or Print [coupons.com] 90210Dole Fruit Jars 24.5 oz $2.50 After coupon, $1
$.75/1 1/8SS BIG thanks to celestialdigs/sd
I thought this was an excellent deal and have had great luck with refurbs from Lenovo in the past. With no tax and no shipping charge, it looks to be a good if not great deal. Didn't see it posted yet. If it was and I missed it, please just delete this post. Thanks.Linky14" WXGA LCD screen with LED backlight (1366x768 pixels)
1.2GHz Intel Core i3 Dual-core Processor with 3MB cache
320GB hard drive, 5400 RPM
4GB DDR3 SDRAM
Intel Graphics Media Accelerator HD
Windows 7 Home Premium 64-bit OS
WiFi 802.11n built-in
Webcam with microphone
Multi-in-One memory card reader
Island style keyboard with rounded keys
Touchpad with 2 click-buttons
Fingerprint reader
Aluminum cover with etched pattern
Stereo speakers
2x USB 2.0 ports
OneKey Rescue System easy data backup and recovery
HDMI output, eSATA/USB combo
Gigabit Ethernet
8-cell lithium-ion battery
Dimensions: 9.25" (L) x 13.2" (W) x 0.98" (H)Visit Fatwallet.com for more Lenovo coupons and cash back shopping!
Another of Southwest's 3-Day SalesMust book by Thursday for travel Jan 20-May 16LinkRestrictions:
* Fares do not include federal excise tax of $3.80 per flight segment. A flight segment is defined as a takeoff and a landing.
* Fares do not include airport-assessed passenger facility charges (PFC) of up to $9 and government-imposed September 11th Security Fee of up to $5 one-way.
* 10-day advance purchase required.
* Purchase from January 10 through January 12, 2012, 11:59 pm Pacific Time.
* Travel January 20 through May 16, 2012.
* Travel valid only on Tuesdays & Wednesdays.
* Travel to/from Phoenix, Las Vegas, and Florida not available on February 21. Travel to/from New Orleans not available February 21-22.
* Offer not available to/from Washington D.C. (Dulles); Ft. Myers, FL; Seattle, WA.
http://www.allegiantair.com/aaLanding2012/01.10_EarlyBird.php?ut...Book tickets by Jan 25. Travel is valid from now through Aug 14. I looked up ticket from San Francisco To Phoenix and it was $19.99 (not incl taxes and fees) one way.
WHY? because its ready for the WIN8 that is design for touch screen!!! you wont get win8 touch screen laptop for this price. but you can be prepared!! Core 2 duo.. old generation CPU.. BUT BUT.. still more powerfull than any crappy ARM processor or ATOm OR AMD Fusion! so WHY not if you are looking for a win8 ready laptop or touch screen... try buying a multi touch monitor will cost you almost this price.. so WHy NOT!http://www.tigerdirect.com/applications/searchtools/item-Details...Toshiba Portege M700 Tablet PC - Intel Core 2 Duo 2.0GHz, 4GB DDR2, 120GB HDD, DVDRW, Windows 7 Professional (Off-Lease)
Price: $369.99

http://www.tabletpcreview.com/default.asp?newsID=1077Toshiba recently released the Portege M700 Tablet PC, which was all the rage at CES just few year ago. http://reviews.cnet.com/tablet-pcs/toshiba-portege-m700-s7002/45...But for its disappointing battery life, the Toshiba Portege M700 is an excellent hybrid of power laptop and well-designed tablet
I need to move to a new city (across the country) for work for about half a year. I don't have time to visit the place myself and the colleague who was going to help me check out the place and verify it for me will be out of the country when the unit is available to look at.I've seen a lot of photos of the place, spoken with the owner, and I'm happy with it. I want to protect myself a little in the case that it turns out to be a fraud of some kind and just takes my security deposit and runs with it, or something to that extent.What are my options?1. Ask for a verifiable reference - banker, lawyer, accountant, etc.?
2. Use a middleman, like an arbitrator from a verified local service?I'll have $2,000 down as the security deposit and then the lease will be a $12k lease ($2k x 6 months) and so that's why I'm a little cautious here. Any advice?
If you kept the M&I checking account you possibly opened for a bonus (described in this $150 M&I bonus thread), the time has come to think about shutting it down. According to the attached mailer, starting on the first day of your statement cycle beginning on or after February 3, 2012, the Cash Rewards Checking stops earning the bonus. The monthly gift of about $3 to $4 wasn't much, but the monthly maintenance fee was easy to avoid with 10 transactions. Additionally, the fee avoidance will take more effort ($500/month of external deposits) or loss of interest (on $1,000 minimum average daily balance). So you may want to check your statement date and make a note to collect that one last monthly gift after February 3.
1. You need a Sears "shop your way" rewards # to do this deal. If you have one great, show your card or give your phone number at checkout.if not, it's free to get one at Kmart before checking out.2. In this weeks ad is a special, buy a 1lb pack of Ground Beef @ $2.99, get an 8oz Pack of Westfield Shredded Cheese AND a Can of Joan of Ark Kidney Beans FREE instantly at checkout.LIMIT ONE PER TRANSACTION, you can do this more than once, just have to split your orders.3. The ground beef is 80/20 lean, at my store they had Colby/Jack or Mild Cheddar in the shredded cheese. of course the beans too.4. Looks like Kmart is getting into the Grocery Game to compete with WalMart/Target on some items. The Ground Beef I bought there today was actually quite nice, in a "real" meat package (NOT those tube things). All the packs are prepacked 1lb packs, so they are all $2.99 ea/with 1lb in side.Basically, you are paying $1 for each item on this deal, which is a nice deal. ENDS 1/14
REI-OUTLET offers the north face Recon 15" Notebook Backpack in Grass Green for $39.93. Add $5.99 for shipping. This nylon backpack features a main zip pocket with laptop sleeve, hydration port, sternum strap, side water bottle pockets, small water-resistant pocket, and safety whistle. (was $89)
LINK
Text

Juniors Sizing

Made in USA

100% Polyester

Hand Wash Cold, Hang Dry, Low Iron
http://www.noisetrade.com/rosiethomasAbout: One night in suburban Detroit, a twelve-year-old Rosie Thomas lay sleepless in her bed, obsessively dwelling on what she perceived to be her lack of life purpose. Then, well after 2 AM, it suddenly hit her. She sprung out of bed and raced down the hall. Daddy, Daddy, I know what my mission in life is, Rosie exclaimed, poking her father. I just want to entertain people. These Friends of Mine is a gathering of friends, collaborative creation, and, in the end, a sincere celebration of music and people The album includes the appearance of friends Sufjan Stevens, Damien Jurado, David Bazan (Pedro the Lion), and Denison Witmer. On February 14, 2012, Rosie will release her first full-length record in four years, With Love. Hailed by The New York Times as a sweet-voiced singer, Thomas makes her return to the studio with a band featuring David Bazan (Pedro the Lion), Blake Wescott (Damien Jurado), brother Brian Thomas, Sam Beam (Iron & Wine) and Jenn Wood (The Postal Service).For Fans Of: Iron & Wine, Sufjan Stevens, Joni Mitchell, Patty Griffin, Norah Jones1 If This City Never Sleeps
2 Why Waste More Time?
3 One I Love
4 Much Farther to Go
5 Paper Doll
6 Kite Song
7 Songbird
8 All the Way to New York City
9 Say Hello
10 These Friends of Mine
I need to move to a new city (across the country) for work for about half a year. I don't have time to visit the place myself and the colleague who was going to help me check out the place and verify it for me will be out of the country when the unit is available to look at.I've seen a lot of photos of the place, spoken with the owner, and I'm happy with it. I want to protect myself a little in the case that it turns out to be a fraud of some kind and just takes my security deposit and runs with it, or something to that extent.What are my options?1. Ask for a verifiable reference - banker, lawyer, accountant, etc.?
2. Use a middleman, like an arbitrator from a verified local service?I'll have $2,000 down as the security deposit and then the lease will be a $12k lease ($2k x 6 months) and so that's why I'm a little cautious here. Any advice?
Prints through Red Plum (Ex. 90 days from print) Print limit was one for mehttps://www.facebook.com/nutellausa?sk=app_305435402810840
Make sure you ensure the price is still $0.00 before buying as some Kindle titles don't stay free forever. This one was free as of 6:19 am Central Time on 1/10/2012.LinkList Price $97 (!), user reviews - 10 out of 10 give it a 5 star review, none lower as of this writing.
Vortex Crossfire 4-16x50 AO riflescope $128.98 shippedwas $249http://www.gearhog.com/4-16x50 riflescope is ideal for Big Game, Long Range, and Predator/Varmint hunting situations.
- Adjustable Objective (AO) provides maximum precision on small targets.
- 30mm main tube offers improved windage and elevation adjustment along with greater strength
Use Amazon subscribe & save to schedule regular deliveries, save an extra 15% and eliminate shipping costs. You can cancel future deliveries any time, even before your first order ships.

Click here for more information about Subscribe & Save.
Campbell Hausfeld Air Compressor
Model# HM700000DI
Lowe's Item #219227Lowes.com shows a price of $111.20 with "Limited Availability" for my store in Stone Mountain, Ga. However, when I left there at 9pm, there were three, marked down to $50, by one of the clearance shelves that they put out in the center of the main aisles. This particular clearance shelf was located at the end of the hardware department.
We disputed a Verizon account last year. Last month, we paid it off anyway to prepare mortgage application.
However, the remark for the account still has "disputed". So the mortgage application was halted two days before closing.
Called Verizon and TransUnion(the other two agencies have no such remarks) many times. Verizon agreed and submitted the request to all agencies electronically, also faxed me the letter regarding the account. TrnasUnion said they asked Verizon for confirmation and won't take the Verizon letter enough to remove the remark.
Almost a week passed, still no hope to get this resolved. If I lose the house and the deposit, what rights I have?
Any class action about similar cases?
Home Depot
Martha Stewart Living Sea Bright 5-Piece Outdoor Dining Set
was $700
today $399.99
Save $10 with code SAVETEN ( GOOD ON $100+ ORDERS)Possible 5% FatWallet CashBack http://www.fullofdeals.com/The-Home-Depot-coupons/http://www.homedepot.com/webapp/wcs/stores/servlet/ProductDispla...Product Video http://cache.vendaria.com/vpop/VpopV6.html?ct=24&ctname=&fw=827&...Enjoy your patio or deck in style and comfort with this Martha Stewart Living Sea Bright Collection 5Piece Dining Set. The set includes 1 ornate WeatherStone dining table and 4 swivel rocking chairs with olefin fabric cushions and lumbar pillows for comfort. The set's Mayangold finished, extruded and castaluminum construction provides durability.Extruded and castaluminum frame is weather resistant and durable
Mayan gold finish offers a sophisticated look to coordinate with your exterior style
WeatherStone tabletop provides ornate decoration
Olefin fabric cushions and lumbar pillows add enhanced comfort for your guests
Polyfiber fill is durable for extended use
Rust cushions coordinate with the frame and your decor
Swivel rocking chairs provide a comfortable and relaxing seat
Cushions can be cleaned with a mild soap and damp cloth
Includes 4 swivel rocking chairs and 1 WeatherStone top dining table
Lowe's
Stanley LED Tripod Flashlight
Item #: 158803 | Model #: 95-112W
Was: $17.08 now $8.97 (Save 47% )
Shipping Not Available , Must be picked up at local storePossible 2% FatWallet CashBack- http://www.fullofdeals.com/Lowes-coupons/http://www.lowes.com/pd_158803-355-95-112W_4294936478+5003258_40...4.5 stars out of 5 based on 16 reviewsLED Tripod FlashlightUnique tripod design for hands free operation-perfect for a project or for use in an emergency situation.`
Multi position head allows you to direct light where you need it most.
The Stanley MaxLife 369 Tripod Flashlight features one 20 lumen LED bulb.
Saw this on another board and decided I wanted to try one for myself. None on sale in my area so I called the store that did have some in stock - online it said the price was $360 - but when I called and asked them (I know, I know - don't call - but this store was 45 minutes away) The price in the computer was $214.97. They had 3. So check out online which stores in your area have them and call and ask what the price is! http://www.sears.com/shc/s/p_10153_12605_SP101A11952S3746549401P...supposedly highly rated by consumer reports. I put mine together and tried it and I like it.
Washingtons number 1 Cheesesteak Award.http://www.southstreetsteaks.com/
Link*Use with any electric or cordless drill
*Remove seeds and strings quickly without the mess
*Thin pumpkin walls for professional carving results
*Dishwasher safe stainless steel
*Won't damage pumpkin seedsI know it's a little off season, but this is great tool (especially for thinning the walls). First pic is the item, second item is my pumpkin "art".
24 hours of Free TV from any computer/ Tablet/Smartphone [Starts Feb 1]
Starting Feb. 1, TV viewers can visit Linky [dish.com] from a computer, tablet or smartphone and sign up.This is so you can taste dish for free without being a customer.
LAS VEGAS Jan. 9, 2012 [NASDAQ: DISH] DISH Network L.L.C., the third largest pay-TV provider, is introducing DISH Test Drive, giving Americans the ability to sample TV Everywhere technology from DISH and watch a selection of popular TV programming online or on mobile devices at no charge for 24 hours. Starting Feb. 1, TV viewers can visit www.dish.com/testdrive from a computer, tablet or smartphone and sign up. DISH made the announcement at the 2012 International CES.DISH was the first pay-TV provider to introduce TV Everywhere technology and give subscribers the ability to watch all of their live and recorded television programs on compatible smartphones, tablets and computers. DISH is now demonstrating to prospective customers how convenient and easy it is to watch TV while on the go."As people continue to buy millions of tablets and smartphones, they will want to enjoy their favorite TV and movie shows on their tablets," said Vivek Khemka, vice president of Product Management at DISH. "DISH Test Drive makes it easy to experience the magic of our entertainment and technology on smartphones, tablets and online, commitment free.DISH is the only pay-TV provider to allow consumers to "try before they buy." With DISH Test Drive, prospective customers can watch live TV, recorded programs and on-demand content, including a cross-section of family and movie channels available from a variety of popular networks. DISH believes consumers will want to subscribe after enjoying its innovative TV Everywhere technology and the extensive choices for entertainment packages, all offered at attractive prices.Visit www.dish.com for complete details. A logo for the DISH Test Drive is available http://press.dishnetwork.com/Pres...to-Library.
CREDIT GOES TO Phaenon at SD
Chase Ultimate Rewards has changed the line-up of merchants with 10% or 20% discounts on gift cards when purchased with reward points.Of note was the 10% off Amazon.com gift cards.Here's the full list:20% off:AMC Theatres
Land's End10% offAmazon
Barnes and Noble
Bed Bath & Beyond
Kohl's
Macy's
Outback Steakhouse
Starbucks
TGI Fridays
TJ Maxx/Marshalls/HomeGoods
All the articles I am finding online say that a security freeze does not prevent existing creditors from pulling my credit even if I have a security freeze.Their CSRs have been giving me the runaround. The first one said it is impossible, not BofA policy. The second one said it was policy. Finally a "senior manager" got on the line and told me it is impossible, not policy.I asked him how BofA could detect sudden usage of my other cards (which might require them to proactively reduce my credit line) if they are unable to view my credit. He couldn't answer that.I am resistant to lifting my freeze because it costs $30 and take time filling out web forms, not to mention opens me up to fraud.Am I getting a snow job from BoA? Is really impossible for an existing creditor to view your complete credit report if you have a freeze?
Hi - I have a card with Chase that I haven't used in a few years. It has about a 30k cl. I wanted to do a BT of some of my other cc's but when I called chase today, I was told that there are no BT offers on my card. The card is a hotel card.Any suggestions on if there is a way to get a BT offer with the card? I don't mind switching it to a different type of Chase card if that would help.Thank you!
WalMart was already holding the best price for this model scale ( Model #HDM545DQ-37). This rollback price just makes it even better!
Text
Items:$4.99
Shipping & Handling:$0.00
Your Coupon Savings:-$0.50 (Must click coupon to apply discount)
Subscription Discount:-$0.75 (Subscribe and Ship)
Total Before Tax:$3.74
Estimated Tax To Be Collected:$0.00
Order Total: $3.74All Subscribe and Ship orders through Amazon ship free with no minimums necessary.TextIf you have trouble seeing the coupon to clip, go this way:
Text
I was looking for a replacement for my Food Processor and found one on clearance in Local B&M Target (Regular 99.99 and now it is 69.99), some of them have few left and some are loosing fast. I have to travel to three stores to get one and there were few available in some other places. Amazon Link lowest is 99.99. Reviews as usual are mixed and I am amongst those who break things faster than other but world has gone in the direction of recyclable economies.
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $2 Coupon
then add 'Aveeno Body Wash' to cart for $5.59
$2 off Coupon
$3.59
http://www.amazon.com/dp/B002ZN3JF8/
By some stroke of luck, I managed to buy a few gold coins (American Eagles) about 10 years pretty close to the bottom... $350/ounce or so. Now I'm looking to sell, not for any particular reason, but because I'm content with the current profit and my gut tells me it's a good time. My question is, how do I sell them to get the best rate? I shopped around at a few cash-for-gold stores, and the best offer I found was spot gold minus 10%. Any feedback on using eBay or Craigslist to get a better rate? Any other options I should consider? Thanks in advance for your help!
Acase Kindle Fire Premium Micro Fiber Leather Case with built-in Stand
http://www.amazon.com/Acase-Kindle-Premium-Leather-built/dp/B006...Free shipping via Prime.
It was $18.74, now it's only $12.74!!!
Acase(TM) iPhone 4 and 4S Superleggera PRO Dual Layer Protection (Black/Black) case
http://www.amazon.com/Acase-iPhone-Superleggera-Protection-Veriz...Free shipping via Prime.It was $39.99, it's only $12.95 now!!!
I just received an email about this class action settlement. My claim number and control number was included with the email.More information can be found on www.LDALitigation.com.
A proposed settlement has been reached in a class action lawsuit, Webster v. LegalZoom.com, Inc. Case No. BC438637 (lawsuit), pending in the Superior Court of the State of California for The County of Los Angeles (Court). The lawsuit claims that LegalZoom.com (LegalZoom) made misleading advertising statements and over-promised the services that LegalZoom would provide. It also claims that LegalZoom failed to comply with the California Legal Document Assistant Act. LegalZoom continues to deny it did anything wrong. THERE ARE NO CLAIMS OR ASSERTIONS IN THIS CASE ABOUT THE VALIDITY OF ANY LEGALZOOM DOCUMENT OR SERVICE. Am I a Class Member? You are Class Member if you purchased a legal document or legal document assistant service from LegalZoom from 9/15/2005 through 6/16/2011.
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.
I was just fooling around on American Airlines website and ran across Miami to London Gatwick for $98.00 on most Mon-Wed in February. Might be more, but no time to look. Great deal if you thought of popping over for a look around!
Link to AA
I was in my local Tar-ge' today and picked up several packs of gift boxes for 20 cents each. White embossed blanket size 2 pk, shirt size 4 pk and variety pack. There was a pile of them, as well as ribbons and bows 90% off too. Even Hot Tamales candies, big boxes for 10 cents each.
Hey folks,
Between my wife and I we make about $35000 a year pre-taxes. My family and I have recently gotten to a point where we are 100% debt free. Paid off our Credit cards, student loans, house, cars all paid off and No longer using are credit at all. Based on our budget, After food, bills and and occasional entertainment expense, we have started putting away about $800 a month into our savings. I realize this is not whole lot of money. so far we have about $4000 in our savings account. My concern is that after say 10, 15 years inflation makes our money worth significantly less, And my savings would be mostly for not.I don't know a whole lot when it comes to money, Just the basics And I just don't know who to talk to on the best way to put money aside. I was wondering Gold is fairly easy to purchase, Would purchasing the occasional gold coin and shoving them into a safety deposit box be a fairly safe way of fighting inflation. Or would I be better off just saving my money in savings account? A good example is a local pawn shop has here is selling 1oz American Eagle gold coin for $1750 and other various gold coins for less. It seems gold will most likely always be valuable and will always sell at the current going rate, am I wrong?I am sorry if this is a dumb question, As I said My wife and I don't know much more than the basics.
Looking for some input here to make sure I'm not missing something.I bought a house earlier this year, paid a couple thousand $$$ to buy points to lower the interest rate. My research indicates that the monies spent on points is deductible as mortgage interest (is this incorrect?). My original lender was AIMLoan, who sold my loan to Wells Fargo immediately after closing. The 1098 Wells Fargo sent me only reflects the interest from my mortgage payments since the purchase, the money spent on points with my downpayment is not reflected. Should AIMLoan be sending me a separate 1098 for this? When I spoke to them on the phone they said it should come from Wells Fargo.Thanks in advance.
Neebo is offering 100,000 free textbook rentals during a promotional event.
You must become a Fan on Facebook to get the offer. Shipping costs are as follows:Ground (3-7 business days): $7.99
2nd day (1-2 business days): $13.75
Next day (1 business day): $20.75Neebo Free RentalOne free rental per person. Due back 5/25. Return shipping is free.
So they brought it back, they did this last spring.One problem that might arise is the selection of books. Some might be sold out or not offered but sometimes could appear. As I check a week ago for the books none where listed but checked this weekend and saw one of my books that was listed sold out last week. Good Luck everyone and hope they have the books you are looking for.
Jacket
Code NEWYEAR takes 50% off of the price & gives free shipping. Site says the jacket was originally $100. Quantum Vent JacketThe Quantum Vent Jacket combines on-demand thermal control with a lightweight, breathable, water and wind-resistant, no-noise shell to eliminate the need to unlayering during a workout. One quick pull opens or closes the vent panels. Body temperature can be controlled from beginning to end of a run. Holiday Sale!!! Now 75% Off Original Price!!!
Vent panel opens and closes for on-demand thermal control.
Breathable, water and wind-resistant no noise shell.
Integrated forearm sweat wipes and thumbhole loops built into sleeves provide added benefits.
Stretch mesh panels provide breathability and fluid movement.
Zippers and arm piping boast 360 reflectivity.
Multi-compartment rear pocket for storage.
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $1.00 Coupon
Add '2 Pc.Johnson's Baby Bath 28 Ounce' to cart for $9.94
15% Off w/Subscribe & Save
$1.00 off Coupon
$7.45
Free shipping
http://www.amazon.com/dp/B0054J2HI0/
OM has the 20% off bag in today's Sunday papers. Store employees (I asked twice) said it applies to Tablets too. The Iconia A500 was $349. Take 20% off, and that's a hot deal. I do not believe this is YMMV, but is B&M only as the Iconia is not available online.
OM has the 20% off bag. I am sure that is covered elsewhere, but I thought this deserved its own thread. I believe this is nationwide. All employees in the store was aware of it as I overheard some talking about this with other shoppers. Best deal for the Fire I could find. Other tablets were also 20% off. I was temped by the Acer Iconia A500.
I tried to buy this Consumer Report excellent-rated top-loading washer at the Woodland Hills, CA, Fry's store but they were sold out. Huge 4.7 cu ft capacity.Link for product info on washer
I got one at the Burbank store. Also got the matching gas "steam"-dryer, $649. Both just received today with FREE delivery within 20 mile radius of the store, worth $80. They only charge $1.50/mile over 20 miles.Retail price for washer is about $1000. Sears had them on sale for about $820, but you have to pay $70 delivery.Wife is happy... I'm happy.There were three washers left at the Burbank store.
Clearance sticker image attached.I wish I found it 2 weeks ago when I mounted my 70" Sharp...http://www.youtube.com/watch?v=0hGYpku4Z1w
Lowe's - Energy Efficient Window - $74.50, was $298 - B&MSee attachment for Item#/Model#
So I have a bunch of blank 1099's from 2010 - each year they just print the new year on the form. Can I just use these to send out for this year to my subs instead of buying the new 2011 forms (or cross out the 2010 and put 2011)? Forms are identical across all years. I think I have gotten 1099's before that were printed with a different year than it was before.
The Amazon MP3 Store offers downloads of Various Artists' Music To Open The Heart And Calm The Mind Sampler MP3 Album for free. It features not only Christopher of the Wolves, but also the Nawang Khechog. Nawang Khechog! This seven-track DRM-free album was released in December 2011. Amazon MP3 Downloader is required.
LINK
I was in my local OD to buy this product and it rang up $69.99 and then they handed me a $70 rebate register coupon. The coupon is good from 1/1/12-1/21/12 but it is not advertised, so I guess YMMV.Here is a coupon link I found when looking for more info online:http://www.mediafire.com/file/2yjgjp9izgb2s23It looks like it is in store only as I cannot find the deal on their website.
Ok - I didn't see this one posted, and I thought it was pretty hot!Get 2011 TurboTax Deluxe Federal + Efile + State 2011, Quicken Starter Edition 2012: $24.99 + $5.00 Staples Gift card after SER and 25/75 coupon
Starting today, you can get TurboTax deluxe federal + state (E-File) and Quicken Starter Edition 2012 FAR for $24.99 and then get $5 Staples gift card in the mail.1. Purchase one of the $25 off $75 off Staples coupons.
2. Order TurboTax Deluxe Federal w/State (E-file) [Staples.com]
3. Add the Quicken Starter Edition 2012 [Staples.com] (29.99, but free after SER)
4. Add the $25 off $75 coupon.
5. Complete purchase
6. Fill out the Staples Easy rebates for the $30 off for Quicken and $5 Staples gift card.The only hitch I ran into was the Quicken Starter edition was OOS for the disc version - I had to get the download version (I did order TurboTax in the Disc version, though)Thanks to SD for originally turning me on to this.
15-Ounce Package for $7.58 - $1 (Click "Clip this coupon", must sign in to see it) - 15% with "Subscribe" = $5.44 with free shipping.
cancel the subscription after you buy.Johnson's Head-to-Toe Baby Wash, 15-Ounce Package $5if you do not see the $7.58 price, click on '6 new from $7.58' link
I was in a cvs store late last night , and scored a bunch of mars candy bars. M&m, smickwrs, etc
Coupons.com released lots of new personal care product coupons (& more!) under zip code 77477.
http://www.coupons.com/couponweb/index.aspx?pid=15493&zid=yn07&n...
Some of the best* Save $1/1 Aveeno hair care or body wash product (excludes trial sizes)
* Save $1/1 any Aveeno facial care product (excludes trial sizes and cleansing bars)
* Save $2/1 any RoC anti-aging product (excludes trial sizes)
* Save $1/1 any Clean & Clear product (excludes trial sizes)
* Save $2/2 Reach Toothbrushes (1 ct) (Not applicable on Reach Crystal Clean Toothbrushes)
* Save $1/1 Splenda Essentials No Calorie Sweetener Product
* Save $1/1 on any REACH Floss Product
* Save $3/1 any Neosporin Essentials product
Was at my local Kmart and found the Fisher-Price Imaginext Sky Racers Carrier for 17.99. It was in the Christmas Toys Clearence section for 50% off the clearance for a total of $17.99. This retails for $49.99 on Amazon.
amazon link
I was just at my local CVS store and picked up Clairol Natural Instincts Vibrant 10 minute Hair Color, normally $10.49, on clearance for 1/2 off.
That's only $5.24, plus you get $2 Extra Bucks (for each box) that print out at the bottom of your receipt when you check out. There doesn't seem to be any limit on the Extra Bucks. So it's like paying $3.24 a box, if you consider the Extra Bucks as cash.Please note that this is only for "Vibrant" only, the one that has a green starburst on the front of the box. The other types of Natural Instincts aren't on clearance.
I had some lab work done in the summer of 2010. The laboratory was missing one number from my insurance ID so my insurance was not able to process the claim. I just received the first bill from the lab about 3 weeks ago. The bill showed a history of them sending about 6 statements, but I never received these statements -- I can only assume that the person who input my insurance# incorrectly also input my address incorrectly, but when I call they said they do not have a history of addresses on the account so they weren't able to tell me if they had a wrong address or if there was another reason that I wasn't receiving the statements. They did have my phone number, which they did not use to try to contact me -- I do not screen my calls.I called them as soon as I got the statement 3 weeks ago (it had a sticker on it saying the account would go to collections if not paid). They corrected the insurance ID number and I just got my insurance statement today rejecting the claim because the "timely filing period has expired".So.... anyone have an opinion on how to best fight this without risking going to collections? I absolutely do not want any sort of blemish on my credit and will pay the balance cash asap if there is any risk of that.
I have always been awful with groceries. Our biggest problem is that we waste too much food, and will buy food to eat during the week, and go out instead. I would estimate that we spend at least $250 at the grocery store each week. We do not use coupons, but do use the store cards that get you discounts.What I am hoping to get is some help to reduce our costs. The problem is that I do not even know where to start. It seems like we only buy the necessities, but it still comes to over $250 or so. We also go a couple of other times during the week to get something easy for dinner or we did not get enough milk, etc.....What advice or suggestions do the experts here have for someone who wants to start saving money, but is not sure where to start? Thank you.
Dear Real Estate Adviser,
My friends' son committed suicide, leaving a huge financial mess. He owned his own home, which will go to them once it clears probate (he was single, no children). My friends have their own home and cannot afford to maintain a second. They will have to sell it, but the son's house is seriously underwater. What options do they have?
-- Tessa
Dear Tessa,
My condolences to your friends and their family for their loss
Unless your friends served as co-signers, they are likely not responsible for their deceased son's mortgage. Unlike some other countries, there is no "feudal bondage" here that obligates people to honor financial arrangements made by adult members of the immediate family. One exception is the obligation of spouses to their husband's or wife's mortgage debt in some community property states.Expanded answer is here.
I was at the HEB+ on Palm Valley Blvd in Round Rock, TX and noticed they had them marked down to $7.48 from 29.95. Model is WR-100. This is definitely YMMV as the cashier had to override the regular price. I'll post a picture of the box/sticker. The UPC is 046014741010.They had them located behind the toy section in a clearance row -- perhaps about two dozen left. All of them had clearance stickers on them.HEB only has US stores in Texas. I suspect a new model may be coming as each spring the local TV channels and HEB market these heavily.
I planned on buying a truck today,(Link to Truck) I had prepared by getting comparable trucks in the area, KBB trade in values (to get a starting point for my offer), recently completed eBay auction prices and recent Manheim prices. I thought it was a well formulated plan. I was going to show up- drive the truck, offer them $500.00 over what they gave the seller in trade, and drive home. I have financing lined up 2.49% for 60mo , a 25% down payment and insurance quotes. I was prepared to offer 24,500 with 25,500 being my ceiling.
The plan fell apart when the F&I Manager laughed in my face and told me they gave the previous owner $27,000 for the truck. I asked to see the bill of sale for that vehicle and what I think they did was shift profit from the car they used this trade in for to the sale price of this truck. The lowest they would go on the truck is $26,400 and that was only if I used their financing. Are there any strategies that I can try to get them to come down in price or will I just have to find another truck? Thanks in advance for any help.
http://www.bowlingball.com/products/bowling-shoes/Brunswick/6423...
http://www.buy.com/prod/energy-tk-500-take-5-1-home-theater-spea...See http://www.wwstereo.com/Energy/TK-500 for the higher price!
Spiegel
Misses Double-Breasted Leather Jacket
colors avail Dark Wine or Black Was $149.00
Sale $119.00
40% off all orders - $71.40
Shipping and Handling Standard $18.94
total $90.34http://www.spiegel.com/double-breasted-leather-jacket.htmlMisses Sizes: 2-4-6-8-10-12-14-16
Swing style leather jacket with sailor-inspired double-breasted styling. Stand collar, flared and belted 3/4-length raglan sleeves. Back button and flap. Sumptuous leather; lined. Dry clean
I went to Macy's today and they have a one day sale where their entire Quiksilver selection is 50% off. This is a great deal as Quiksilver is rarely on sale and never for that kind of discount. There was no exclusions but their systems were not updated with the prices and every item needed to be manually adjusted.
This does not appear to be available online.
I found a flyer offering 150 dollar for a new checking account. It was mailed to an old address in my building. It says coupon is required but I don't see a code or anything.Requirements:
15 transactions in 60 days, minimum 25 dollars to open the account.There IS an account fee of 9.95 a month if you do not make 15 debit card purchases per month or have 10k minimum.I can't find any information on account closer fees or length of time the account has to be open, does anyone have experience with them? Depending on this I may pull the trigger, seems like a good deal.
Acme PA has the Star Kist (water or oil) 2.5oz POUCH Chunk Light Tuna on sale $1ea.There was a .50/1 coupon in last Sunday's inserts or .50/1 Printables.Acme Doubles, so each coupon will take $1 off making these free.
People are also selling these coupons on eBay._________________________________________________________________________________Also, Barilla Pasta Sauce is on sale 2.29 ea (all variety). there are .75/1 printables here in coupons, doubled to $1.50, makes these .79ea.
This week (Fri Jan 6 to Thu Jan 12) in the DC Area Giant stores (maybe elsewhere) there is a "Buy 3 participating General Mills or Cascadian Farms Cereals and get $4 off instantly plus a coupon for $3.75 off a gallon of milk on your next shopping visit."Almost every General Mills cereal had the "$4 off tag" on them. Here is what I got:3 Multi Grain Cheerios (12.8oz size boxes) for $3.69 each for a total of $11.07 before tax. After tax and $4 off (plus $1 off 3 GM cereals coupon in tomorrows newspaper (which we get a day early here)) my total was $6.30 for 3 boxes of cereal plus a coupon for a free gallon of milk (up to $3.75).SIDE NOTE: the milk coupon printed out without any problem, but the $4 did not get deducted automatically - I actually looked on the screen and it initially showed the $4 deduction, but then the cashier put in the $0.05 credit for using a reusable shopping bag and supposedly that is why the $4 deduction disappeared - I went to the manager who gave me $4 in cash (so before that my total was actually $10.30).
I logged into Mint at about 11:45AM PST today, and all my accounts said last updated "2 hours ago". I had not logged into my Mint account since ~24 hours ago. The auto-update that usually runs when you haven't logged in for a while did not run. I had to manually click "Update". Just wondering if anyone else had this behavior this morning (or ever)? Or possibly my mint password was compromised. I just changed it, but the original password was VERY secure, as is my new one, and I don't use it on any other account, so guessing or getting it from another account is not possible. Hoping this was just a glitch in the update feature, but not convinced. Thanks!
Hi All,Like many of you on this forum trying to cut down their credit card debt, I paid off all of my Capital One credit card debt or so I thought. Knowing that there might be some "billing cycle" lag, I did check with my online statement frequently to make sure that I do not have any surprise interest fees. Thinking I was safe, I haven't been checking my CO online account for couple months and today I got a "friendly reminder" that I have missed two payments and they are going to close my account down. I call them up trying to keep my account open and willing to pay $35 dollar late fee + interest (30% interest fee lol) and those aholes are not willing to work with me at all. They say just pay the fee, we close your account, send back any money you overpay, and report you to the credit bureau and you should hope for the best, basically. I have been with them for 10 years with no late payment ever until today. So much for customer loyalty. My credit score is 780-800 and I am wondering how much is this going to hurt my score? Thanks. Have a great day.
I am very confused how anyone be even reasonably confident of getting a good career through college? It just seems like such a huge gamble with the odds against you.I know so many people that are worse off going to college, than if they didn't. Because after getting out, they only end up in jobs making like $15-$18 an hour, and have $40k+ in debt with accruing interest. I don't really know any people personally who have got their degree and went on doing something they like, and making $60K-$120K a year, like the popular belief is supposed to be.I look through the course brocures at community colleges, and 90% of the so called courses they will teach, are in fields that do not likely pay well, like baker, child care, mechanic, etc. Sure, maybe major universities are better, but unless you are lucky as a child and your parents run a good college fund, the average person can't just put everything in life aside to go to a university mid point in their life.Also, many fields that seem to require degrees have such widely ranging payranges, that how are you supposed to have a clue what to expect? I've "heard of" I.T. guys, network programmers, etc making 6 figure incomes, but ones I've met make dirt. There are a lot of fields like that where you don't know if the pay will be $10 an hour or $40, since its so widely ranging.Most colleges to me seem more concerned about taking your money, since they are a business, than actually getting you into a good career.I've worked quite a few jobs without college, and generally would make more than anyone I knew with a 2-4 year degree. Generally jobs could range from $20-$35 an hour. Currently at about $35, however I don't really like the career, and its also being hit hard by the economy, not getting full hours. I'd be willing to take night classes, get a degree, etc if I was reasonably assured that I would be successful in getting a career that pays at least $30-$40 an hour, but it just seems to me like the odds of that are slim, and the more likely outcome would be racking up massive student loans, finding out that whatever claimed lucrative field I studied, only has low paying jobs available.How does anyone win this gamble?
This is more of an FYI since it has been around, but I didn't see it mentioned anywhere. I needed a large car to move some furniture this weekend and ran across Costco's discount program through the major car rental companies (Avis, Enterprise, Budget, etc). I have literally looked for hours (probably wasted too much time to save a few bucks at this point) and Costco was the best deal by far.You can get a full sized SUV for $88 from Budget whereas the site is $200 even after discount codes. I think it depends on what type of car you want.Costco also has other programs for car buying and travel.877 849 2730
TextIn 1970, Julie Dawn Cole was cast as the unforgettable Veruca Salt in the classic motion picture Willy Wonka and the Chocolate Factory with Gene Wilder. Since its release in 1971, this epic musical has endured as a favorite of children from around the world with a fan base that encompasses generations of movie goers. With its unforgettable characters, chocolaty landscapes and everlasting music, this charming fairy-tale mixes these ingredients into what has been become a cinematic classic from literary legend Roald Dahl.
Digital Dcor Slim 7" Digital Picture Frame
$19.99 (Was $49.99)LinkIn stock online for shipping (which is $4.98 or Free with Red Card)
Search here for in-store availability.Resolution is low for a 7" frame, but here are a couple reviews from Amzn where it's being sold for $40. I think it's a good deal at this price point, even with the crappy resolution. Plus, it looks pretty cool.
Text
Michael by Michael Kors Jacket, Navy Blazer Web ID: 449189

Special Savings
Reg. $350.00
Was $129.99
Sale $99.99 Sale ends 1/7/12 Modern comfort and classic charm go hand in hand with this expertly tailored blazer from Michael Kors.
Wool
Dry clean only
Imported
Michael Kors sport coat
Notch lapel; chest pocket
Two button front
Flap pockets at side
Center vent
Is it each item must be over $10 to be in hot deals vs free stuff or is it the total amount in the post?Anyway, I apologize if this is a repost(I confess I was only looking for the romance section, but I'm sure there are other freebies in other genres too)The items are a bit scattered (and when I tried to sort by price, the first item had a dollar amount and not FREE) so, the first link is to the first main(?) page hereSome relatively familiar authors have some for free (not in any particular order):Sabrina Jeffries The French Maid Kindle version
Jayne Ann Krentz The Scargill Cove Case Files Kindle VersionSome romances by Jessica Coulter Smith
For Now and Always
The Chirstmas GiftOthers:
Fatal Destiny by Marie Force
Last Days of a Rake by Donna Lee Simpson
Harlequin Holiday CollecitonOldie, but a goodiePride and PrejudiceThank you for reading this.
Ok, for most folks it's easier to spend money then save it. What tricks do you and your family use to accumulate money?#1 for me is saving my pocket change. This one is easy since I don't like having coins in my pocket. Every evening when I get home, if I have change in my pocket it goes into a jar. It sits there for weeks or months. When my wife decides me/she/kid needs something new in the way of clothes we take the jar to Kroger and dump the change in the Coinstar machine. There is no fee to exchange the coins for a JC Penny gift certificate.#2 is the "Store" in my closet. Our grocery budget each week is $110. When we see a good deal on stuff we don't have enough "grocery" money to really stock up. So last year I took some money out of savings and started buy stuff we use on a regular basis at discounted prices. I bought a bunch of gum, toothpaste, deodorant, soap, pads, tampons,... if it was significantly cheaper I stocked up and added it to the "Store". As we need stuff during the week we buy it from the "Store" at typical retail prices. The "Store" cash grows and we use it for the occasional items, like Wednesday when two guys came through the neighborhood selling pine straw for $3.50 a bail installed. I used money from the "Store" to pay for the pine straw.What do you do?
L4MC
The recent Costco coupon books shows this as an on-line only offer (link here) but I was able to buy it for the same price at my local Costco store.This comes with the WillMaker Plus software on CD, the Living Trust Maker software on CD (as well as on-line access to Nolo's Living Trust) plus 10 books from Nolo (mostly about estate planning and retirement - see the full list at the link above).If you are not able to buy it in a Costco store, there is free shipping when ordered from their website.
Pfaltzgraff Yorktowne 32-pc. Dinnerware SetFor a beautifully casual dining experience, choose this Pfaltzgraff dinnerware set. The Yorktowne pattern features pieces with a deep blue, hand-applied floral motif, which adds dimension to the smooth glazed surface that is reminiscent of early salt-glaze techniques. 200th anniversary special! Set includes eight of each: 10.25"W dinner plates, 6.75"W salad plates, 12-oz. capacity soup/cereal bowls, 10-oz. capacity mugs.
Stoneware
Microwave and dishwasher safe
Do not subject to sudden temperature changes
ImportedEIGHT PLACE SETTINGS!Free shipping on orders $99 or more
$30 off Home Store purchase of $100 or more - Coupon Code WNTRSU30J12Edit:Does not qualify for FW CashBack; however, it does qualify for Discover CashBack at 5%
Edit: Repost of this: http://www.fullofdeals.com/forums/hot-deals/1159019/I can't believe this isn't posted already. I think it's a super hot deal.http://www.woot.com/ has the Lock & Lock 32 piece set for super cheap (assuming you don't mind red).$5 less than it was during the holidays! Lowest price I saw in my initial search.I use these myself and love them. For this price, I don't mind the red containers.
Just got off the phone with Citi Cards. Told CSR I was cancelling because I wasn't impressed with the rewards program. She offered me 4% additional on top of the base 1% for a total of 5%. Offer valid for 6 months.More details:
- Was connected to retentions after I called the Citi Premier card number re: another question and then asked to cancel this one.
- Haven't used the card in about 2 years, have had the card for ~4 years
http://www.werdeals.com/uploads/Wags_1-8_ad_scan.pdfFARRSyntha-6 meal replacement bar, 1.59 oz - $1.89 get $1.89 RR (yes, it says $1.89 RR)Kids Omega Smart Ultimate fish oils, 60 ct Omega-3 with DHA - $10 get $10 RROther RR deals:Align digestive care, 28 ct - $28.99 get $5 RRAll 2X laundry detergent, 84 or 96 load - $9.99 get $1 RR
All Laundry Detergent, any 28 load+ $.75 1/15/2012 RP 12/4/2011
BIC razors - $5.99 get $1 RR
(BOGO coupon in Sunday paper)Bounty paper towels, 8 roll - $7.99 get $1 RR
Bounty Towels $.25 1/31/2011 P&G 1/1/2012
Buy $20 get $10 RR:
Prevacid, 28 ct - $20
Prevacid 24 HR, any 28 or 42 ct. $7/2 2/4/2012 SS 12/11/2011
Gas-X, 18 or 24 ct - $5
Gas X Prevention Product - $2 1/31/2012 SS 12/4/2011
Gas-X Product $1.50 1/31/2012 SS 12/4/2011
Ex-Lax, 24 ct - $5
Maalox 90 ct or liquid - $5
Maalox Advanced Product, $1 1/14/2012 SS 10/16/2011
Maalox Advanced Product, any $2.50 1/14/2012 SS 10/16/2011Benefiber - $10
Clairol nice 'n easy - 2/$12 get $2 RR
Clairol Product $3 1/31/2011 P&G 1/1/2012
Colgate Total toothpaste, 4 oz or 360 Clean toothbrush - 2/$6 get $4 RR
1/1 total found in diabetes book
Colgate Toothbrush excludes Plus and Extra Clean .75 exp 1/21/12 ( ss#2 1/1/12)
Colgate toothpaste .75 exp 1/21/12 ( ss #2 1/1/12)Delsym - $8.99 - Buy $20 get $6 RRDigestive relief - $9.99 get $2 RR:
100 ct Citrucel or 16.9 or 30 oz
Citracal Product $2 3/31/2012 SS2 1/1/2012
Citracal Product, any $1 1/31/2012 RP 10/23/2011100 ct Beano
Beano Product, any 15 c.+ $1 2/28/2012 RP 11/13/2011
90 ct Fiber Choice
EOS - shave cream 7 oz or 6 pack lotion - 2/$6 get $4 RRNivea For Men shave or facial care, 2.5 oz to 7 oz - 2/$7 get $2 RROscar Mayer bacon, 16 oz - 2/$8 get $1 RRPrilosec OTC, 28 ct - $18.99 get $3 RR
Prilosec OTC Item $2 1/31/2011 P&G 1/1/2012
Reach Total Care - floss 30 yds or toothbrush - $2.99 get $2 RRSuave hair & personal care, participating - Buy $10 get $3 RR Tom's of Maine - unscented deodorant 2.5 oz, Cool Mountain Mint mouthwash 16 oz, or toothpaste 4.2 or 4.7 oz - $3.99 get $3 RRTylenol Precise pain relief - cream 2.5 oz, 3 or 4 pack heat patch - $5.99 get $3 RR
Tylenol Precise Product, excludes trial size $2.00 3/1/2012 SS 9/11/2011
Tylenol Precise Products, any except trial size $2.00 1/31/2012 RP 11/6/2011
Tylenol Precise Products, any except trial size $5/2 1/31/2012 RP 11/6/2011
Vicks - $10.99 get $1 RR
Vicks Product $1.00 1/31/2011 P&G 1/1/2012
Zicam - $10.99 get $2 RR
Zicam Product, $2 3/31/2012 SS 10/23/2011
Neutrogena Rebate : $10 Rebate WYB $30 worth products [neutrogena.com]
Fillers:1404 - Nestle 1.5 oz to 2.1 oz or Mentos 1.32 oz - 39, limit 3
1430 - No Nonsense knee highs - 29, limit 3
pwcpal/sd
This was mentioned in passing in a topic a while back but I don't see it when I search.With the $20 off coupon in the COSTCO coupon book that went into effect yesterday (1/5/12) I got Quicken Deluxe 2012 for $20 plus local tax. So I decided to upgrade my 2 year old version. I usually wait 2 years or so before upgrading as I've done since the days when it ran as a DOS program.
There used to be "deals" for it along with tax software but these days the Deluxe version doesn't seem to be offered in a favorable deal.You can also get the software for $24.99 + tax on Quicken Deluxe.
Lands End
Plus Size Short Sleeve Feminine Fit Mesh Polo Shirt
was $ 25.00 NOW $ 3.99
Size 1X Color White
Monogramming $6 Additional
Shipping is free when you enter code STOCKUP and pin 8426. http://www.landsend.com/pp/SizeShortSleeveFeminineFitMeshPoloShi...Possible 2.5 % FatWallet CashBack http://www.fullofdeals.com/Lands-End-coupons/Reviews- 4 consumers give 5 out of 5 Sailboats
Our Breezy Mesh Polo won't wrinkle, fade, shrink or pill.
Our Mesh Polo is breathable, sporty and comfortable
Ribbed collar keeps its shape Falls to high hip
100% cotton
Sporty and comfortable, this breezy Mesh Polo offers subtle texture on the outside, but is smooth against your skin. It resists fading, shrinking and pilling through dozens of washings. And our Mesh Polo is wrinkle resistant, too, so you'll look fresh all day long. Ribbed collar keeps its shape. Hemmed sleeves. Side vents. Shaped: Not too slim or too loose. Falls to high hip. 100% cotton. Machine wash.
I couldn't resist when I was looking around the FisherScientific website. If you work in a university/research/lab that can use this, this is a decent deal. if not, then oh well.website: www.fishersci.comAnyway, the "deal" is to purchase $500 worth Acros Organics using this promotion: Buy $500 worth of chemicals, get $100 Rewards dollarsSubmit for the $100 reward dollars.At the same time, a person can also submit for a separate offer using the same purchase order (PO) or order confirmation: offer #2(it's for a 1gb usb drive, but it's in the form of a scientist!)It's sorta double dipping, and though Fatwallet probably has other deals, but for laboratory consumable purposes, I think it's a decent deal.Thank you for reading.
Blair
Ribbed Heart Cardigan
Was $29.99 - $34.99 Now $6.99
Use code MPS for free shippinghttp://www.blair.com/product/Clearance/999-or-Less/Ribbed-Heart-...Possible 5% FatWallet CashBack- http://www.fullofdeals.com/Blair-coupons/Ladies Sizes: S-M-L-XLA lovely cardigan to brighten your day!
Heart appliqus and embroidered design embellish soft, brushed cotton/polyester ribbed knit. Easy button front; colorblock front, solid sleeves and back. Machine wash/dry.
Overall Rating 5 out of 5 based 2 customers reviews
Scroll down the landing page, at the middle of page Click on 'Clip this Coupon' to activate $0.50 Coupon
Add 'Tide Cleaner 7-count ' to cart for $12.81 15% Off w/Subscribe & Save
$0.50 off Coupon
$10.38
Free shipping
http://www.amazon.com/dp/B003DNSR4W/
Buzz Bee Ultimate System Missle Blaster only $7.45 at Target online!
I found a great deal for Buzz Bee Ultimate System Missle Blaster for $7.45 at Target.com! Full price was $21.29 so you save around $13.84.Its similar to a nerf gun and goes pretty far. I just picked another one up for my nephew.Links here!:http://www.target.com/p/Buzz-Bee-Ultimate-System-Missile-Blast/-...
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...
My mother's home was given to me and two siblings prior to her death. Now that my mother is dead, I've discovered today that my older sister had my name forged on property documents and has never paid me my 1/3 cut. I would have thought that a notarized signature would have been required on those type of documents to convey the property, but maybe not. My cut would have been 1/3 of $42,000. The older sister does not have the money to make me whole. The middle brother got his cut, so he may have been complicit, or not have had a clue that I was shorted. Now that the sister has been found out, she swears she'll make it right, but I know she's lying. She's never had much more than the clothes on her back.Is the act of reporting the forgery enough to make stuff start to undue itself?If reporting the crime will fix things, where should I start: In the county the property was owned, the place where the documents were signed, or the county where my sister lives?Do I really need an attorney?
Linky Loo Free store pickup or +$8.50 shipping or Free Ship to Store (Special Offers
Free shipping to store! Discount applied on Shipping Page after ship to store selected Offer ends 31-Dec-2015)Unfortunately I can't seem to figure out *exactly* what is included Product Description
Elegant charm is the hallmark of fine decor. This intriguing serverware set features lovely designs and excellent styling to give you the dinnerware set that will be the talk of all your friends. Nothing says sophistication like having great taste. Porcelain with metallic decal. Dishwasher and microwave safe. ImportedClearance
While quantities last
Intermediate markdowns may have been taken
Age: 26
Annual Salary: ~$41,000For the past year and a half or so, I've been contributing to the Roth 403b. My thinking was that my tax bracket probably won't ever be lower than it is now, so it's probably best to stash away as much after tax money as possible. I also max out a Roth IRA every year.Is this the right thinking, or should I be using the traditional 403b for the tax deduction since I'm already maxing out a Roth IRA?
Let's say you went to graduate school and paid for it with student loans. You didn't really think about it much, and never set up an accounting system. Unhelpfully, the loans were transferred between lenders, and are organized separately by disbursements, type, amount, and more. Further, lets say you want to get a handle on all this and going through the papers yourself is a bit challenging and frustrating. I know what I want. I want to make sure I know what is going on with my loans so I can make sure everything was done correctly, that I'm getting all the 'lendee benefits' that I should be, and basically feel more confident with my personal financing. Anyone have any experience on outsourcing accounting services to India? It looks affordable from the outside, and I'd feel a lot more comfortable knowing that someone has gone through all my accounts and double-checked everything.Are there any certifications or accounting registrations that I should be looking for?many thanks and happy 2012!
Intuition, Quattro for men or women razor or refills 3 or 4 ct: $8.99 Get $3 up
Intuition q coming in 1-15 insertAny reading or sun glasses reg priced $17.99 and up: Get $10 up (and it's Buy & Save)
Dec VVQ for Foster Grant and Xoom glasses make this an even better deal if you printed themTheraflu packets 6ct caplets 24ct, Excedrin 50ct $5 each Get $5 up wyb 3 (Limit 2) Buy and save
Theraflu Warming Relief Syrup or Caplets, $3 off any - 12-04-11 SS
Buy 6= $30 - (6) $3 MQ = $12 get (2) $5 ups [$2 for 6 items] plus $30 towards Buy and Save
Dec VVQ also??-OR- Excedrin 50 ct
Buy 6 = $30 - (6) $2 IPQ - (6) $1 VVQ [if your store allows it or break into smaller transactions] = $12 get (2) $5 ups [$2 for 6 items, plus $30 towards Buy and Save] Breathe Right $3.99 - $2 VVQ - $1.50 IPQ on their website = 49 cents UP2U gum $1.00 - $1.00/1 coupon from the 1/1 SS. = FREEBlistex $1.69 shelf - 20% gold = 1.35
Buy 2 @ gold = $2.70 use $1/2 MQ = $1.70 get $1 +up [35 cent each]Crest toothpaste 4.1, 5.8 to 6 or 8oz, 3D white rinse 237ml, Oral B crossaction manual toothbrush 1ct or floss or floss picks
2.77 get $1 up (Limit 2)
50/1 Crest toothpaste 4 oz + or liquid gel
.75/1 Crest toothpaste (excl cavity, baking soda and tarter), 4 oz +
$1 off Oral-B floss or floss picks (30 ct. +) Prilosec 42ct 24.88 6up---- limit 3
$2 off Prilosec OTCTide Laundry Detergent 75oz 8.95 1up --- limit 2
$2.00/1 Tide DetergentDove Shampoo/Conditioner 12oz, Stylers, Bar Soap 2pack, Bodywash 12oz-- 2/$6 get $2 up wyb 2 ------ limit 2
Dove Body Wash 18 oz+ $2/2 print [dove.us](ETS & Bonus Packs)
Dove Hair, any, $1/1 print [dove.us]
Dove Body Wash, 18 oz+ $1.25/1 Print [dove.us]
Dove VisibleCare Body Wash, 10oz+ $1/1 Print (disable pop-up)Almay (Buy & Save)
$4/1 in-ad Q "foundation, powder, blush, or concealer"
Almay Cosmetic Product, $2/1 any - 01-01-12 SS
Almay Cosmetic Product, any - 01-01-12 SS $2.00/1 2/12/2012
Almay Cosmetic Product, any - 01-01-12 SS $2.00/1 2/12/2012
$2/1 Almay Cosmetic Product, any - 01-01-12 SSRefresh Optive Eye Drops, Refresh Tears 8.99 get $2up ---Limit 2
Refresh Eye Care, Various, Print pdf 3/31/12Gillette Buy $30 get 10 up Limit 2
Proglide, Fusion Mach3 Cartridge, Refills, Gillette Shave Prep or ProSeries Skin Care
$1 off Gillette bodywash, excl trial size
$1 off Gillette deodorant, excl trial size
$1 off Gillette shave prep
$1 off Gillette Pro Series Fusion skin care product
$5 off Gillette Fusion ProGlide cartridge (4 ct. +) AND razorDayquil/Nyquil liquid 8oz or 16ct 1/11.98 get 2ups on 2 limit 2
$1 off Vicks product, excl Vapo drops and trial sizesPediacare or Little Remedies 2-4oz 5.99 get 3 up limit 2
PediaCare, any, $1 Print
Little Remedies, $1 Print *11354 or Print [coupons.com]
Prevacid 42ct 24.99 get 5up Buy & Save Limit 2
Prevacid, $3, Print and $4, Print [coupons.com]
Dove Invisible solid, Degree for men, Degree for women 2/$4 Get $2ups wyb 2 ---- limit 2
Dove Go Fresh Deodorant AND Body Mist, $2/2 Print [dove.us] (Register)Toms toothpaste, mouthwash, rinse, deodorant, bar soap 3.99 get 3up--- limit 2
$2/1 tearpad q spotted at grocery storesLoreal skincare buy $15 get 5 ups
2 off LOreal Paris skincare RP 1/1
rpshi/sd
I was shopping around for TurboTax and I came across this site- blvdsoftware.com. I searched and couldnt find any reviews (good or bad). I even found a coupon code for Home & Business for $5 off. They also have other Intuit software. Here are the links Let me know what you guys think.Deluxe $32.95Premier $52.95Home & Business $56.95Intuit Page PC and Mac
Acase(TM) Kindle Fire Deluxe Lightweight MicroShell Case Folio with built-in Stand for Kindle Fire Full Color 7" Multi-touch Display, Wifi (Black)
http://www.amazon.com/Acase-Lightweight-MicroShell-Multi-touch-D...It was $19.95, now it's only $12.95.
If you haven't tried this stuff, it is awesome. A cookie spread sounds kind of weird, but it is super tasty on anything you might put peanut butter on. On sale for $3.70 on Amazon (through Vitacost) with $4.99 Shipping. Free shipping after $49. I ordered 4 and shipping was still just $4.99.http://www.amazon.com/Biscoff-Spread----14-400g/dp/B005IZHXGG
Two years ago when I started my IRA with Sharebuilder I got a crapton of auto investment credits as part of a promotion, and then over the phone the sharebuilder rep said that if I ever ran out, that I could just call and they'd give me more. I barely used up all the credits before they expired, and now I don't have any auto investment credits for 2012... can I really just call them and ask for more for free, did I mishear, or was the guy pulling my leg?
I was wondering whether someone could help me. I have a claim against the university I graduated from 3 years ago for about 2000 dollars. I was wondering whether people think it would be a bad financial decision to sue. Will prospective employers see the lawsuit and pick someone else? Will I have trouble if I need help from alumni? Will I have trouble getting transcripts if I need them in the future? Are there any other financial issues to take into account?
HURRY- Seven Baby Carrier Sling Regularly priced at $48.00 FREE ! S+H EXTRA from Seven SlingsFound in US WEEKLY MAGAZINE
Jan.9, 2012 issue 882Seven Slings
FREE Seven Baby Carrier of your choice with PROMO CODE USM1
Regularly priced at $48.00- FREE !
Shipping is $11.95
Adds $3.50 for Size Exchange Insurance but you can remove it at checkoutwww.sevenslings.comGreat shower gift !
Can be applied towards Gift Set also- Normally $72 dollars
Our 3 Piece Gift Sets include:
1 Seven pouch sling. ($48 value)
1 matching set of Seven baby leg warmers! ($12 value)
1 adult acrylic cuff bracelet with matching Seven sling fabric sealed inside! ($12 value) A $72.00 value! Yours today for just $5.00 with code !
( MY TOTAL FOR GIFT SET WITH SHIPPING= Total : $ 16.95 (USD)Helps support your baby and aids your back.
"Cut from a different cloth", our bold and unique fabrics are perfect for moms that dont want typical gear.
97% Cotton 3% Lycra - making it comfortable to wear for both you and your baby- not losing shape over time.
Infants to toddlers (35 lbs or less). Machine washable.Only while supplies lasts- HURRY
Delias
Clothing and Shoes for Teens and Young Adult Women
Exclusive - 25% off Orders of $75+
Code: 75SAVDD
Expires 2/1/12http://store.delias.com
Possible 3% FatWallet CashBack- http://www.fullofdeals.com/dELiAscOm-coupons/Good Clearance items
Jansport Backpack-was $40 now $20 http://store.delias.com/item.do?itemID=56571&categoryID=480
Double Breasted Trench was $69.50 now $39.99 http://store.delias.com/item.do?itemID=55973
.. many, many more
I bought a bunch of $100 Exxon cards by 12/31, and my friends will receive $10 giftcards in the mail for me - thus I got average 33c/gallon discount. Exxon's limit of 2 per household made it hard to order as much I need: I spend $2000 each semester RV-ing kids and everyone who wants between NY and FL. So I'm hunting any new discount along the I-95 now! P.S. It is certainly appropriate to mention CREDIT CARD discounts. But discounts "not requiring any CC" (or credit approval) are so much more valuable for wider audience: such as giftcard, supermarket or particular brand offers! Please...Probably have to mention: Exxon's 10% discount was indeed stackable with 5% reward on many a CC used to purchase those "$100 cards at Exxon's stores" - making the expired deal 15% in total, or 50c/gallon! But it's cleaner for this topic to concentrate on gas-station stated discount - rather than a combination with outside CC benefits
HURRY- Seven Baby Carrier Sling Regularly priced at $48.00 FREE ! S+H EXTRA from Seven SlingsFound in US WEEKLY MAGAZINE
Jan.9, 2012 issue 882Seven Slings
FREE Seven Baby Carrier of your choice with PROMO CODE USM1
Regularly priced at $48.00- FREE !
Shipping is $11.95
Adds $3.50 for Size Exchange Insurance but you can remove it at checkoutwww.sevenslings.comGreat shower gift !
Can be applied towards Gift Set also- Normally $72 dollars
Our 3 Piece Gift Sets include:
1 Seven pouch sling. ($48 value)
1 matching set of Seven baby leg warmers! ($12 value)
1 adult acrylic cuff bracelet with matching Seven sling fabric sealed inside! ($12 value) A $72.00 value! Yours today for just $5.00 with code !
( MY TOTAL FOR GIFT SET WITH SHIPPING= Total : $ 16.95 (USD)Helps support your baby and aids your back.
"Cut from a different cloth", our bold and unique fabrics are perfect for moms that dont want typical gear.
97% Cotton 3% Lycra - making it comfortable to wear for both you and your baby- not losing shape over time.
Infants to toddlers (35 lbs or less). Machine washable.Only while supplies lasts- HURRY
0 Posted By: FatWallette
Views: 354 Replies: 0



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Have been looking for tires for 2008 e350. Came across these....
General tiresThis tire has good reviews at TireRack and is way less than the others I have looked at.Called Sears for a pricematch and the guy said it was much too low of a price for him to pricematch.You have to have them shipped to the local store (no charge)which I did but will take to someone I trust for installation.Looks like they have other Generals on rollback.....
http://www.amazon.com/gp/search/ref=sr_nr_p_4_2?me=A2VSW76NZNJ40...As the mastermind behind Apple Bottoms jeans, hip-hop superstar Nelly was inspired by the idea "a woman should not try to fit the clothes; the clothes should fit the woman". With their signature back-pocket apple design, the jeans are made to celebrate the natural curves of a woman's body, no matter what her shape or size. Today Apple Bottoms has expanded into a complete lifestyle brand, including footwear, fragrance, jewelry, accessories, and more.
I'd appreciate some advice on my situation, described in more detail below. Specifically, I'm trying to figure out if there is some way I can refinance/restructure my mortgage to reduce my interest rate and/or the amount of money we're wasting on mortgage insurance. Note that although I am a regular participant here on FWF, I've changed my username to try to maintain some modicum of internet-anonymity.1. In my late 20s; about to get married.
2. Income of about 200k/yr (me); income of about 100k/yr (her) (she may stop working soon).
3. FHA 203k mortgage used to buy and renovate our first home. Outstanding balance is approximately 580k. Home is worth in the low 600s, so we don't have much equity. Making minimum monthly payments, which are ~3700 including escrow contributions.
4. Mortgage rate is 4.75%.
5. Approximately 35k in my savings.
6. Approximately 40k in my 401k
7. About 35k in student loan debt (currently at 6%, but will drop to 4% next year).From my research, it doesn't look like there are many options for us to refinance and get a lower rate and/or reduce our mortgage insurance payments. Is there some way I can leverage our relatively high income to reduce/eliminate our mortgage insurance? Anything else I'm missing?I'm open to pretty much any and all advice/criticism.
My income has always been simple:
- One W2
- Rent apartment
- ESPP, and saving account only.I don't have property or other income. So I had been using TurboTax. I have the following situations that I think I need pay someone. However, I don't know if I need both Tax Accountant and Financial Adviser together.Two situations that make me think I need external help:
1. I invested (help out) a relative company for $20k (maybe 3yrs ago), and his company closed in 2009. I suppose I can claim lost for multiple years?
2. Finally, I get enough money to purchase first home. I need advice to balance between loan and investment.Lastly, how do I find a trust worthy profession to do the above? Many years ago I used HRBlock just to see if it will save me hassle. Turned out the person didn't deduct my rent. After correcting it, IRS still sent me letter saying it was wrong by $0.17. Seriously? A simple one W2, rent, and saving account, they still did it wrong? (Didn't have ESPP at that time)Any help appreciated!
Make $80 in OfficeMax rewards on two GLEE II MID-BACK MANAGER CHAIR, BLACK From OfficeMax,com only Online
Ok here is a great deal everyone for OfficeMax Rewards customers. I purchased two GLEE II MID-BACK MANAGER CHAIR, BLACK 22250403 and I made an extra $80 in OfficeMax Rewards credit. Most people figure at the start of the week this was an Instore deal only however I now can confirm this is an Online promo which I assume is an error as the chair retails for $89.99 instore not $49.99. Here is the math-OfficeMax.com is offering the chair on sale this week for $49.99 however in store there are offering $89.99 OfficeMax rewards credit. I purchased this char online and received the instore credit. I assumed I would as the Ad clearly states you can purchase the chair online or instore and receive the reward. I have posted the screen shots of my order and the OfficeMax perks credit of $179.98So I spend $99.98 on two chairs and got back $179.98 in rewards. Pretty sweet. LINKI'm in the Boston area so my product shows in ad 1 cent after maxperk rewards. Some people are seeing different amounts based on region. Many feel this is a regional deal. This is a part I'm not certain of as the chair shows for me online at $49.99 and it should show at the retail price and not the $49.99 price. In my OM weekly ad it shows the rewards as instore and online, however it doesn't show on the product page online that it has maxperks bonus rewards. I did in fact receive the rewards posted to my account today which is the day after receiving the chairs.
I got this in my email and was able to register. Here is the public link for the FWF community.GET 1,000 POINTS PER NIGHT, 5,000 POINTS PER WEEKEND, AND COUNTLESS MEMORIES.SIGN UP FOR THE MORE POINTS PROMOTION AND EARN THOUSANDS OF POINTS.Make every night you stay count for more. With the More Points promotion from Hilton HHonors you'll earn 1,000 Bonus Points for every night plus an additional 5,000 Bonus Points for every weekend* stay of two nights or more at participating hotels and resorts through March 31, 2012. And with ten distinct brands worldwide, you'll have thousands of places to make thousands of new memories. Offer valid between January 1, 2012 through March 31, 2012 ("Promotion Period") at any participating hotel in the Hilton Worldwide portfolio. (Click here for a list of non-participating hotels.) Hilton HHonors members must first register at HHonors.com/MorePoints prior to completing any eligible stay within the Promotion Period. Registered HHonors members will only receive Bonus Points for nights completed during the Promotion Period regardless of a check-in date before the Promotion Period begins or a check-out date after the Promotion Period ends. Offer subject to availability at participating hotels and cannot be combined with other select offers and rates. Registered HHonors members will earn 1,000 HHonors Bonus Points per night of their stay during the Promotion Period. In addition, registered HHonors members will earn 5,000 HHonors Bonus Points for weekend stays. For the purposes of this offer, a "weekend stay" is defined as at least two consecutive nights between Thursday and Sunday. There is no limit to the total amount of Bonus Points that may be earned during the Promotion Period. Bonus Points do not count toward elite tier qualification. Hilton HHonors membership, earning of Points & Miles and redemption of points are subject to HHonors Terms and Conditions.
$10.00 off any size order from mpix.com | Even covers shipping
Was ordering a few pictures for a frame we received for xmas and went looking around for a coupon code. Using code TENDOLLARS gives you a $10.00 credit off your final cost(this is after shipping is added). My order was $3.59 including shipping and it ended up being $0.00.Mpix is one of the best places for ordering actual hard copy pictures from digital pictures. A photographer friend of ours recommended it.Just thought I would pass along since there are probably some people wanting to get their holiday photos from digital to paper. I did a search for the coupon code and also mpix before posting, so hopefully not a repost. Enjoy! thanks Runvus
Hi All,I'm starting to research buying my first home, and while I'm generally financially savvy, I feel a bit over my head here. I wanted to seek out the the collective wisdom and advice of all of you. From start to finish, how do I ensure I get the best deal and have the positive experience? I realize this is a very open-ended question, so I'm looking for any advice you think would be relevant for someone in a similar position: Choosing an agent, mortgage broker/product, finding a property, negotiating, pitfalls, etc. I care less about the "psychological" benefit of owning my own place, and more about the financial return, so I wouldn't mind renting for a while longer. Here is a little more about my situation: I'm 27/M, single and patiently looking, living in Oakland, CA and looking to remain here. I work in the area (make ~100K/year in a stable job) and plan to stay for the foreseeable future. I have a bit over 50K in non-retirement stocks and mutual funds I could put toward a downpayment and another 10K in cash. Over $100K in retirement savings, and I hope to continue maxing out my Roth 401K and IRAs. Right now I live in a 2-BR/2-BA and share with a roommate, and my initial thought was to buy a similar condo and rent out the spare room.
I would love to hear your advice for a newbie. Thanks in advance!
Thanks to ongoing discussion at Flyertalk, it is confirmed that the 60k offer is available again for everyone (except some few unlucky people!!). The 60k miles offer was only available to CO and UA elites but is now open to everyone.To see the offer, you need to make sure that you first login to your United Mileage Plus account, and that you have miles in the account (any minimal amount is OK). Then, the homepage at United should show that 60k offer. Without these steps, you will only be seeing a 40k offer. You can call 1-888-338-2586 for status.Offer Details:- Earn 50,000 bonus miles after first use. Plus earn 10,000 after you spend $25,000 on your Card within a calendar year.
- Pay no annual fee for the first year you are a Cardmember, a $95 value.
- Check your first bag for free.
- Enjoy priority boarding privileges.
- Visit the United ClubSM with two passes every year.
- Earn double miles on United purchases.
On Dec 30, 2011, I was at Arby with a coupon to get a free meal after purchasing a $20 gift card. The cashier swiped my credit card to ring it up. After returning my credit card, she called the manager over. She did not seem to know how to ring up the coupon. Again I was asked to give her the credit card. This time she said it was successful and proceeded to give me the gift card along with the meal. Today, I found online that my credit card have been charged twice. Since they only gave one receipt, how do I prove that they rang it up twice and not have purchased 2 gift cards. I have long thrown out the receipt. I admit I may have lost $20. In the future, how do you avoid getting charged twice if the cashier ask for your credit card a second time to ring up the sale.
[url]http://www.newegg.com/Product/Product.aspx?Item=N82E16856501004[/url]
ECS MS200 Booksize Barebone SystemIncluded
-H55 Socket LGA 1156 Motherboard
-DVD-RW
-Card Reader
-Booksize Chassis
-Wireless N Network card
- Addtional USB/
- CPU Cooler for LGA1175 Need to complete with
CPU - MEM - HDD and you have a book size CORE I3 I5 or I7 system!  ECS MS200 Intel H55 2 x 204Pin Intel HD Graphics from CPU Black Mini / Booksize Barebone SystemBe the first to review this product...Limited time Shell Shocker deal In stock. Limit 3 per customer.   Was: $129.99
Now: $99.99Save: $30.00
$79.99 after mail-in rebate card   $79.99 after mail-in rebate card
The Crucial M4 128GB SSDs is currently on sale for $185 shipped at Newegg. Just a month earlier, this was fluctuating around $215-$220.http://www.newegg.com/Product/Product.aspx?Item=N82E16820148442It's a popular choice for new system builds and pretty much anyone looking to add an SSD. While its write speed is slower compared to SSDs with SF controllers, reviews show proven reliability.
Make $80 in OfficeMax rewards on two GLEE II MID-BACK MANAGER CHAIR, BLACK From OfficeMax,com only Online
Ok here is a great deal everyone for OfficeMax Rewards customers. I purchased two GLEE II MID-BACK MANAGER CHAIR, BLACK 22250403 and I made an extra $80 in OfficeMax Rewards credit. Most people figure at the start of the week this was an Instore deal only however I now can confirm this is an Online promo which I assume is an error as the chair retails for $89.99 instore not $49.99.
Here is the math-OfficeMax.com is offering the chair on sale this week for $49.99 however in store there are offering $89.99 OfficeMax rewards credit. I purchased this char online and received the instore credit. I assumed I would as the Ad clearly states you can purchase the chair online or instore and receive the reward. I have posted the screen shots of my order and the OfficeMax perks credit of $179.98So I spend $99.98 on two chairs and got back $179.98 in rewards. Pretty sweet. LINK
Note- I know you see $179.99 on my maxperks statement but i promise you i was charged $99.98 plus tax thats why I included my order information.
I opened an account and transferred some money from my other bank to it. I didn't see the bonus and called the bank. The bank said it was transfer not direct deposit though in their automatic email it says it is direct deposit. i told them it is the way i was paid.
can they tell if the other bank account belongs to me? does it mean transfer can only happen between accounts that belong to the same person?
thank you.
I sent an international wire transfer from my Bank of America account to Axis bank account in India. The amount was for $10,000. I own both the accounts (both outgoing as well as incoming account). I used JP Morgan Chase (as an intermidiary bank) since they have tie up with Axis Bank for all wire transfer from US. So, the wire was sent as a domestic wire from Bank of America to JP Morgan Chase with forwarding instructions to Axis Bank in India. This is not a new process to me and I have sent numerous wires this way atleast 10 times during last 2 years. All have been successful except this one.I sent this wire out on November 23 (a day before Thanksgiving). It has been more than six weeks now and I still have not received the money at Axis Bank. After tracing the wire transfer (by Bank of America), they realized that their wire transfer department messed up the details and as a result, the wire was stuck with JP Morgan Chase. Specifically, they did not send forwarding instructions to JP Morgan Chase. Since then, I have tried numerous times to either resend correct instructions to JP Morgan Chase to transfer money to Axis bank and also, cancelling the wire transfer entirely. None of this seems to work. The money is with Axis bank now and it is stuck with them. At this point, I am trying to get Axis bank to release the funds and credit my account in India. I am not really worried about my money (since I know sooner or later I will get it).However, I am wondering what course of action (if any) I should take with Bank of America since they messed up my wire transfer. The BoFA branch manager has been polite to me and helps me out all the time. She is the one who confessed to me that Bank of America really screwed up this transfer and it went wrong. I have lost bank interest for six weeks for $10000, and spent atleast 6-7 hours of my time tracking this.Any inputs? Sorry for the long post.
I've used a Pentagon Federal Credit Union cash rebate card for several years now.I loved that it gave 5% cash-back on gas and 1.25% (reduced to 1%) on everything else with an automatic monthly statement credit. I also liked that Penfed allows for daily quicken downloads - although I found that it was cludgy and frequently "missed" a few days here and there. However, I was willing to tolerate the irritation.Over the Christmas break, however, I received a letter from Penfed which announced something that didn't really matter, and then also happened to mention that the 1% rebate on everything else is going DOWN to .25%. They also encourage me to switch to a new product that will essentially give what my current card gives, but without the automatic statement credit, i.e. I'll now have to earn points and manually redeem them for "stuff" including Visa gift cards in order to use the $$.Given the hassles with Quicken, this has pushed me over the edge, and I'm now ready to switch to a new card. I've read the stickies, but none of them tell me whether any of the cards support daily Quicken downloads.So, here's the question: What's the best alternative to Pentagon Federal Credit union that:(1) Gives automatic Cash Back in the form of a statement credit, and
(2) Allows for daily quicken dowloads??Anyone?
Coupon Code: EMCYTZT1015 Qualifying Vacuums
Sorry, some are already OOS, but a few still qualify
For Example:
LUV200R
Was $299, Sale $223.81
$156.67 AC with Free 3-Day Shipping Compare at $215 at Amazon
I'm turning 70-1/2 on May of this year. I read that I could defer drawing RMD until April of next year but I was told by my investment counselor that even if I wait until April 2013 to start my withdrawal, I still have to withraw my RMD for 2012 and my RMD also for 2013 which will increase our earned income in 2013. Is this accurate? Would I still be able to contribute to my 401K while im drawing my RMD? If so how much or is it the same $6,000.00 max for people over 50? What would be some of the good investment to place my RMD? Annuity is notin my plan. I Appreciate all the help and advice from you. Thank you in advance.
Cabela's Multitool

Stainless steel tools, including scissors

Includes nylon sheathA handy and affordable compact tool with devices you need for quick fixes and repairs. Stainless steel construction with an assortment of attached tools that includes flat-nose pliers, wire-stripper, knife, Phillips and flat-head screwdrivers, saw, bottle opener and scissors. Nylon sheath included. Imported.
Open length: 4-1/2".
Closed length: 3".
Colors available: Pink
Assorted Green or Assorted Red or Assorted Black or Assorted Silver.http://www.cabelas.com/product/Cabelas-Multitool/1269129.uts
Linen-n-Things
Pull Bows Sold in a Box of 100 Individually Wrapped Bows
was $39.95 now Save 53% $18.95
Free Shipping
http://www.lnt.com/product/bows-ribbons/68276-478/the-closeout-c...Our pull bow assortments include a variety of colors, styles and sizes to add that perfect touch to any gift or package. Assortments will vary. Bows are individually wrapped within the case and ship flat. Sold in a Box of 100 Bows
-----------------------
Cloth Handled Shiny Gift Bags - Case of 50
was $99.50 now Save 71% $28.95
Free Shipping
http://www.lnt.com/show_product/68276-500Cloth handled medium gift bags with shiny metallic colors.
Bags are 9" Tall x 7" Wide x 4" Deep. Assortment of various golds, blues, and purples. Different colored cloth handles. Sold in a Box of 50
Saw this a few months back in my Local costco (Arundel Mills MD) - today saw it for around half price.Item #572833 - does not come up online, not sure about other stores so YMMV.The Columbia and Glen Burnie Locations have more than a few in stock at the same price, A. Mills was display only.Has a remote, probably better than my old oil filled radiator and will look nice in my room with all of my leather bound books, smelling of rich mahogany.
First of all, I still cant believe people love these things as much as they do. For those of you that do, 13 deals has a 2 pack (random blue or green) for $6.99 + $3.99 shipping. Shipping is decent on multiple orders. I was weary about posting this since the site says that it's almost sold out, but it seems like it's marketing since all of their products say the same thing... I put it in my cart and it said max quanitity 228...Link
[url]http://www.newegg.com/Product/Product.aspx?Item=N82E16856501004[/url]
ECS MS200 Booksize Barebone SystemIncluded
-H55 Socket LGA 1156 Motherboard
-DVD-RW
-Card Reader
-Booksize Chassis
-Wireless N Network card
- Addtional USB/
- CPU Cooler for LGA1175 Need to complete with
CPU - MEM - HDD and you have a book size CORE I3 I5 or I7 system!  ECS MS200 Intel H55 2 x 204Pin Intel HD Graphics from CPU Black Mini / Booksize Barebone SystemBe the first to review this product...Limited time Shell Shocker deal In stock. Limit 3 per customer.   Was: $129.99
Now: $99.99Save: $30.00
$79.99 after mail-in rebate card   $79.99 after mail-in rebate card
"Open Electric Orange and make a total of 3 Card purchases or Person2Person Payments (or any combo of the two) within 45 days of account opening.Your $50 bonus will automatically be deposited into your account on day 50."https://www.ingdirect.com/nofees/

Another of their pages said: "As part of the account opening process, we will obtain information about you from a consumer reporting agency. Based on that information, we may or may not open Electric Orange for you."They were offering $107 in November: http://www.fullofdeals.com/forums/finance/1141927/. Reportedly, this bonus is offered once per customer, so it may be more advantageous to wait until they again offer a larger bonus.edit:I thought I had read that the inquiry was to Experian, but foeplay says it's Equifax. I've taken out the mention of Experian.
I bought this juicer on sale and love it. I find the motor is not as powerful as my old juicer so I don't force items in it. Some fruits can fit whole so no chopping for me.. Powerful Fruit & Vegetable Juicing System
Features Two Speed Controls
Powerful 700 Watt Motor
Convenient Juice Pitcher and Pulp Container
Large Feed Tube
Dishwasher SafeIntroducing the GNC Deluxe Juicer
Maximize health nutrition with the GNC Deluxe Juicer! This sleek, stainless steel Deluxe Juicer creates delicious and nutritious fruit and vegetable juice in seconds. The powerful 700 watt motor handles whole fruits and vegetables with ease and pulverizes while retaining the beneficial vitamins, minerals and antioxidants from fruits and vegetables. Use the convenient juice pitcher to store for later or for multiple cups of juice. The dual speed control is simple to use and makes juicing easy. The micromesh filter reduces excess foam leaving you with great tasting foam-free juice. Dishwasher safe parts make cleanup a breeze.
* These statements have not been evaluated by the Food and Drug Administration. This product is not intended to diagnose, treat, cure, or prevent any disease.
Link to GNC
Youtube video of it in action
http://www.youtube.com/watch?v=KB8xmVyAzZ8
There was a thread about this, but OP (me) forgot to keep up with it... Each day we unveil a new Kindle book deal. Check back daily to see what's next. Deals go live at approximately 12:00 a.m., Pacific time. Individual Daily Deal titles may have additional territory restrictions, and not all deals are available in all territories.http://www.amazon.com/gp/feature.html/?docId=1000677541Today's deal:
Kindle Daily Deal: Three Books by Popular Science Author Dava Sobel
Today only, three top-rated books by the great popularizer of science Dava Sobel are available for as low as $0.99 each.Feel free to update the Quick Summary Daily...
http://pcper.com/news/Motherboards/ECS-and-their-no-holds-barred...
ECS and their no holds barred approach to the X79 chipset"Today we take a look at the new motherboard from ECS, the X79R-AX Extreme. We'll throw in a decent photo-shoot and a benchmark suite at the product and get an indication what performance is like with the Intel Core i7-3960X (Sandy Bridge-E).
Admittedly I was a little shocked when the motherboard arrived, as it is probably the most feature rich X79 motherboard we've had in our labs."More Review and recommendation::: http://www.techpowerup.com/reviews/ECS/X79R-AX/The ECS X79R-AX is available for purchase right now, with a MRSP $309.99.AND NOW WITH: $50 OFF LIMITED TIME REBATE OFFER
Packed with added features not seen on some other products in the same price range.
Clean, color-themed and traditional layout.
EFI bios with support for 3TB+ drives.
Fully functional UEFI BIOS, including mouse support.
VRM capable of over 300W, more than double Intel X79 CPU TDPs.
Full Intel X79 abilities available, included SAS support (limited to select drives).
Overclocks just as well as many other products.
Impressive packaging and included accessories leave no part of the products functionality unusable.
Onboard Wi-Fi and Bluetooth included.
Functional thermo chromatic stickers on both heatsinks.
Full PCIe 3.0 support
more reviews:
http://www.guru3d.com/article/ecs-x79rax-extreme-review/22Being a somewhat 'affordable' X79 motherboard brand you'll be shocked and flabbergasted by all the features that ECS offers. Extra buttons, extra LEDs, diagnostic POST displays, three USB 3.0 controllers allowing up-to 6 USB 3 devices, you'll get plenty of SATA ports (14!) of which eight are SATA3 (two eSATA's included). We just love the two Gigabit Ethernet jacks as apparently the other brands all think just one is enough these days.
- ECS BLACK SERIES OFFER INDUSTRY LEADING 99-HOUR REPLACEMENT SERVICE IN THE EVENT OF DEFECT.http://www.ecsusa.com/ECSWebSite/Member/LoginPage.aspx
ECS Promises 99-Hour GPU & Motherboard Replacement For Black Series Products ... ECS will offer its exclusive 99-Hour Replacement Service AS A COUNTER TO QUIET DOWN ITS bad quality rumours and back its products! For a limited Time Grab a BLING BLING Black Series Tshirt for Purchasing these motherboardssee wiki.....$50 MIR Form Link: http://images10.newegg.com/uploadfilesfornewegg/rebate/SH/ECS12M...
http://www.newegg.com/Product/Product.aspx?Item=N82E16813135300ECS X79R-AX DELUXE(1.0) LGA 2011 Intel X79 SATA 6Gb/s USB 3.0 ATX Intel MotherboardNumber of Memory Slots: 4240pin
Memory Standard: DDR3 2500(OC)/2400(OC)/2133(OC)/1800/ 1600
Onboard Video Chipset: None
Audio Chipset: Realtek ALC892
Model #: X79R-AX DELUXE(1.0)
Item #: N82E16813135300
Return Policy: Standard Return PolicyNow: $259.99
$209.99 with Rebate
http://www.newegg.com/Product/Product.aspx?Item=N82E16813135299ECS X79R-AX(1.0) LGA 2011 Intel X79 SATA 6Gb/s USB 3.0 ATX Intel Motherboard
Number of Memory Slots: 4240pin
Memory Standard: DDR3 2500(OC)/2400(OC)/2133(OC)/1800/ 1600
Onboard Video Chipset: None
Audio Chipset: Realtek ALC892
Model #: X79R-AX(1.0)
Item #: N82E16813135299
Return Policy: Standard Return PolicyNow: $309.99
$259.99 with Rebate
Pottery BarnCast Iron Frog Bottle Opener
was $6.00 SALE $2.99
Free ShippingHandcrafted of iron for strength, the sculptural frog design adds a playful touch to your home bar collection.
2" wide x 7" long Handcrafted of cast iron.http://www.potterybarn.com/products/frog-bottle-opener/?pkey=cfr...
-----------------------------------------------
ROSLE ZESTER
$23.00 SALE $7.99
Free Shippinghttp://www.potterybarn.com/products/rosle-citrus-zester/?pkey=cf...
Crafted of shiny stainless steel, our Zester features small perforations that allow fine strips to be cut away from the zest of a citrus fruit, releasing maximum flavor while leaving the bitter pith behind.
1" diameter, 6.5" long Made of 18/10 stainless steel. Dishwasher SafeSame zester sells for $20 at Amazon . http://www.amazon.com/Rosle-12714-Zester/dp/B000063Y81
------------------------------------------
Free Shipping Items-> http://www.potterybarn.com/shop/sale/free-shipping/free-ship-vie...
Textadd to cart for $538.20
$10 off $100+ order w/coupon SAVETEN (Ends 01/09)
$528.20
Free Shipping
Just curious if anyone has input on retirement planning when one is not paying social security tax. My employer has opted employees out of SS but we are required to make a contribution to 401a/414h vehicle which the employer matches. Without SS I have no defined benefit plan (if one can view SS as such) but do have multiple defined contribution plans. My spouse does pay into SS and max-outs a 401K with 6% employer match. When I first was hired I figured not paying into SS was great since who knows what it will look like decades from now when I retire. Now that I have been opted out for over a decade, I now wonder if being opted out is a good idea. My understanding is that a lot of people who are opted out are in defined benefit plans as opposed to defined contribution plans. In other words, there is some guaranteed income in retirement (either a defined benefit or SS). I guess I am looking for experiences from others who are not part of SS, especially for those of you who have retired. We save a lot, basically living on one income. But I wonder what experiences others have had being opted out.
https://my.mvelopes.com/n-enrollm...P003001001(I haven't used this before but I had considered it in the past when it was a paid service).Make 2012 the year you find financial freedom!
Sign up for a FREE Crown Mvelopes accountStart using the best on-line envelope budgeting program available. With the new, FREE Crown Mvelopes system, you can:- Take control of spending - Pay down debt - Save for future and periodic needsCrown Mvelopes is quick to set up and easy to use. You get unlimited access to online envelope budgeting for all of your finances. Free iPhone and Android apps give you full access from your smartphones.
Hello,
Has anyone processed a refinance with cashcall.com or greenlight financial. If yes, how was the service. Did everything go smooth.
And how were the fees and costs.Thanks
Background:
I made a purchase. The terms and conditions at the retailer (located in UK) says:"Our books are priced in Sterling, Euros, US Dollars, Australian Dollars, New Zealand Dollars, Singapore Dollars and Canadian Dollars - there is a select currency dropdown menu at the top right of the homepage to change the currency display into the one most appropriate for you. We charge in the currency selected."I selected USD, was charged in British pounds and a subsequent FOREX fee from the credit card company. Question: Is this considered fraud in the sense that I could file a fraudulent claim with the credit card company? I have contacted the retailer asking them to correct this. Credit Card company phone rep said she couldn't file a fraudulent claim because I accepted the charge. I say that I accepted the charge in accordance with their terms and conditions, and they didn't charge me in accordance with their terms and conditions, so I did not agree with the transaction as it took place. I'm not terribly worried about getting the FOREX back (66 cents). I did some Googling, and couldn't figure out if this was technically fraud or not. Does anyone know?
During the Christmas vacation I got a call from my HELOC confirming a large wire to a bank in Korea. Absurd, I told them, I've never made such request plus I'm away on vacation.Turns out someone got a hold of my account information, social, address, etc. They transferred a large portion of free credit line into the savings account, then tried to wire from the savings account out of the country. The request was made over the phone and they passed all the security questions (name, social, address, phone #). If it wasn't for the final confirmation call I would be screwed. Had multiple calls from (234) country code that same morning, belonging to Nigeria.My best guess is someone sold a copy of my closing docs when I refinanced coupled months ago. It had more information than you can imagine and it's quite easy for someone to print an extra copy then pawn it off. Got to consider this risk in the future.This bank does not ask for mother's maiden name or personal PIN when calling in, which makes it more vulnerable to accessible info. Granted those can still be compromised internally. I'm re-opening all my accounts with new account numbers and placing fraud alert with credit agencies. Any other action I should take?
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