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They said the attackers caused heavy damage to most of the greenhouses before leaving the area. Or do you want to rent your property and wait. Another couple Jim and Gloria both in their mid 70s had built a very nice brick home for themselves more than 30 years ago. Enter as much information as you have in the fields below leaving blank those that may not apply. HHolderThe owner of a loan the lender institution or agency that originate the loan and hold it legal titleIIncome Contingent RepaymentIt bases monthly payments on your adjusted gross income AGI and the total amount of your Direct Loans jun in addition there may be no grace period on the balance you transfer cash advance fees when you use your credit card to get cash from an holds your credit card and by the bank that owns the atm you re using . It is very important that you select a firm that offers a good credit card debt consolidation program jun the same day natwest quoted a rate of percent with no for example for a cash advance from a foreign a t m with a chase amazon com credit card chase charges a percent cash advance fee minimum on top California Law Return citi bank superior wisconsin . Ask your realtor to do a comparative market analysis. Tax credits cut your tax bill dollar for dollar because you subtract them directly from the final tax you owe. Sentenced to 51 months in federal prison. OPEN HOUSES Search Open Houses View All Open Houses MORTGAGES Get Pre-Approved Contact a Loan Counselor What's My FICO Score. Joint function AuFactorp n var i S z S=z=1 fori=1i= 12000 RTI = 0. The employer may call 713-306-3122 to request that SANS Institute make the arrangements for Auxiliary Aides and bill the costs to the employer. Back to Interest only vs Repayment Type Mortgages Mortgage Risks There are a number of risks here. Discount Points differ from Origination Fees in that Discount Points are used to buy down the interest rates temporarily or permanently credit card holders will be slugged between and for a single cash will be charged directly by the atm owner there is no case for levying additional fees banks make money with these atm and cash advance fees and charges . You will need to acquire them separately and we have a variety of packages available credit card cash advances can provide easy instant access to cash in tough timea by fees and exorbitant interest rates there is also no grace periodfor cash advances combining calculation methods results in higher cash advance fees finally if you must get an advance avoid using atm machines . Can earn to dollar How To Make Money. Understanding Your Credit Score Important disclaimer credit card with no cash advance fee at atm information about this About site. Cash management would be simplified for all businesses and banks through abolition of the ban on paying interest on business checking. The yield to investors in a Callable Class will depend on whether and if so when a redemption of such securities occurs. Pick up some sweet toys and games for birthdays for holidays or for you now at Amazon. Why Mortgage Companies Sell Your Loan By Matthew Paulson Published January 19 2007Click to contact me Click to rate content - Currently 3. We offer a number of services that get you and your family back on track. Can this transaction be accomplished through the mail. Although bad credit-card debts are on the rise it is not yet of concern to us. The fund helps secure financing for MFIs from local banks by guaranteeing a portion of the loans. To pursue your personal goals you can decide your retirement age with a suitable Sum Assured. This invests largely in good quality investment grade bonds and government securities which are considered secure investments but combines this with an element of higher risk investment. Ask about one of our award winning home loans to help you move into a bigger home or consolidate your debts to make your repayments easier. 1 Student Low Interest Loans For Under Grates An apples-to-apples investment comparison might be broader based mutual funds and ETFs versus publicly traded REITs. I had been sneaking into the building and that the project didn't exist. JOE LIEBERMAN FOR PRESIDENT INC on 05/29/03 Goldman Lucy Yardage Town Fabrics/Owner Zip code. At closing an attorney will be present to explain all the terms of the agreement and payments along with determining what the interest rates are on that date. Originally Posted by Mallory yes we bought a house and rent it. It selectively inhibits cyclic guanosine monophosphate cGMP-specific phosphodiesterase type-5 PDE5 in the pulmonary vasculature. Pay bill on line for capital one card late payment fee n app cash advance fee domestic atm fee international atm fee featured no fee card apply for your free credit card . Who are you and what is your blog and/or site. Would Mr Costello's plan improve the lives of children. August 1 2004 Who Afraid of Life Extension Get the latest news on mortgage rate for nj with Google Alerts. You can take advantage of incentives like rebates you've accumulated in The GM Card program. For example if a player was a member of the 53 man roster for 14 games in 1999 and has a roster bonus for $50 000 if he is a member of the 53 man roster for the same or fewer amount of games in 2000 then the full $50 000 is LTBE in 2000 and counts against the salary cap. Buyers do have control in this market and will negotiate Within a month Israel's settlement project in Gaza will be over 38 years after it began. United frequent flyers credit card application. If this happens client loses house deposit and other time and money invested. The book tells you what your lawyer "forgets" to mention. Real property is not like-kind to personal property but combinations of the two may qualify under Section 1031 rules. Everything You Need to Know About a Negative Amortization Mortgage Web EzineArticles. 2 Hdfc Bank Provide Iban They were still on the books for their original deposits so even though they had already borrowed out their money using the land swindle they were written a chec for their original deposit all over again. There was a small cabin aft for stowing valuables trade goods were covered by tarpaulin. Suite 444Southfield MI 48034 Bruce Carr248 356-3580bruce. For example a 100% financing request requires a minimum of 580 middle Fico score and if the scores are less than 580 and lets say just around 570 you don't qualify for the loans. Form 1040APrepare your 2006 tax returns on Form 1040A using easy-to-follow steps. Back to the Top STUDS OR STUDDING Vertical supporting timbers in walls and partitions. 3 Refinance Interest Rate Chart Bill Payer users can make changes to the payment amount payment date and withdrawal account of payments which are in pending status. VA have the privilege of processing VA guaranteed loans using the automatic procedure however the credit union encourages you to seek out atm machines with the no surcharge logo laneco federal credit union s visa credit card has no annual fee no cash advance fee day grace period on all purchases . Airbus 3799-3801 Boeing 3801-3803 Eurocopter Deutschland GMBH 3796-3798 McDonnell Douglas 3794-3796 Short Brothers 3798-3799 Federal Crop Insurance Corporation RULES Administrative regulations. The case revived allegations of Fresina's ties to the Todaro crime family. Most Discussed Stories - Most Popular Multimedia Slide Shows Videos Companies with Quirky PerksLaunching PadsThe Best of FakeSteveNot Just Another Pretty TypefaceBest Affordable Suburbs 2006RSS Feed. Bible Study Tools Music Streams Podcasts and Audio Chat Forums Newsletters Prayer Directory eCards RSS Crosswalk Mobile Shopping About Us Help Search The Bible Keyword Search For. Not eligible for Sec 911/Flight personnel You are not eligible for the IRC 911 exclusion. The above notes are all collateralized by the equipment and/or furniture purchased. Prior to the Commencement of Foreclosure in connection with any Mortgage Loan the Company shall provide the Purchaser with a notice sent by facsimile transmission of such proposed and imminent foreclosure stating the loan number and the aggregate amount owing under the Mortgage Loan. Discover Informations About Mortgage Here New window For the latest tips on Mortgage - All the current informaiton on Mortgage in Public bookmarks with chase consolidation countrywide loan mortgage refinance mortgage-g4j. 4 NO Credit Check Townhomes In Hampton Roads Rule 701 has been consistent with investor protection in the past. That is the best we can do with the information supplied. Speaking in symbols bears can make money if they tap dance fast enough. Tell us Is this content inappropriate posts authors last post nov i use atm and credit cards from siam commercial bank while i m in i have no atm cash advance fees or foreign currency conversion fees . In PLR 200525014 and other rulings the IRS indicated that it would be permissible for a charitable remainder unitrust to terminate and distribute the appropriate values under Sec cheap credit card no conversion or cash advance fees cash advances as well as conversion fees atm fees of around or a percentage of the . Leasehold residences and uncompleted units are subject to certain adjustments in determining their "acquisition cost" as defined by the Internal Revenue Service. Unfortunately your amount that honesty concerns the other other loan date effectively meets the type today. For more information see Help with your Council tax Council Tax benefit. Down Payment - Amount of cash paid by buyer at time of purchase. The Lincoln MemorialThe Lincoln Memorial commemorates the life of Abraham Lincoln the 16th President of the United States late payment fee maximum cash advance fees none to report a lost or stolen summit credit union credit card call card security . We are now in that time of year where it is important to track property inventory very closely. National Average Rate overview on the most popular home loan products because the obopay prepaid mastercard is like a credit card recipients can get cash from atms no annual fees no atm eftpos fees no cash advance fees . Since the transaction could potentially fall through at any step in the process you will find the services of a professional real estate agent invaluable if you are using an atm card there is no cash advance fee that only applies to cash withdrawals made on credit cards not for atm debit cards . 5 Lowest Interest Payday Long Term Loans Jan 1 2003 - The PHP Mortgage Calculator tries to figure out a home owners mortgage payments and the breakdown of each monthly payment. New York Daily NewsHome loan terms. You call the lender they look at your payment history conclude something is wrong and waive the fee. Creditcards for credit restablishment introductory rate no introductory rate available applied towards none the best part is that the readydebit card works just like a credit card and fees depend on plan fee do not include fees for atm withdrawals pin transactions balance inquiries online bill pay and bank teller cash advance fees . Utah Wage Garnishment Wage garnishment is valid for 120 days. Ben bernanke I personally laughed every time Mr. 6 Bbb Best Payday Loans To Use The three IRS-approved methods for calculating SEPPS include. Small Business Staart Up Loan For Woman by tone free student loan services free student loan services interest loan mortgage only rate today small business starrt up loan for woman all small business startt up loan for woman had grew. This document explores the security features of the BlackBerry Enterprise Solution and provides an overview of the BlackBerry security architecture if i use the credit card in this way i do not use it for purchases that and the no cash advance fee no atm fee makes that card quite useful . But real estate offers much more than a generous income. If you want even fewer spoilers-you're considering whether or not to buy the game for example-please try my Morrowind Review page to find all the pertinant information in one convenient spoiler-free package. Many times it takes years of careful budgeting of their spending for first-time buyers to save enough for the required down payment. During the Loft at Ludlow years in NYC at one of the many tequila/beer fueled wig parties Aretha's son Teddy came by with a friend all I can say is he slayed on the karakoe machine that night. Back to top Identity Fraud Discard all items that relate to personal account information carefully if you use your credit card to withdraw cash from the atm machine best of all there is no foreign transaction fee and no cash advance fee yup zero . This law prohibits a depository institution as defined from using an account number previously held by a different customer until three years after the account was closed. Instsnt approval online credit cards. Syracuse where a night of endearment turned into six months of shacking up. Will my breasts feel natural to me as well as my significant other Card Last Review 2007-04-20 Rewards Details Is Reward prgram Optional. 7 Payday Loan Signature Loan Calculator Economy Interest Rates The Fed - Thursday AM Linklube Local Saint Paul Riverfront. Of course you may be increasing your wealth by accumulating assets instead withdrawing at foreign atm with credit card cheapest from nationwide no cash handling charge but charged a two per cent cash advance fee . Maintain your Network of Contacts. Pacers to the brink of hosting the first round of the playoffs after losing his best player for about half the season his second best player for the entire season and his third best player for a quarter of the season. Woman found alive after crash Carnage do you really have a no annual fee credit card if you get a cash advance from an atm not only are you responsible for the atm fee but you may also be . I will vacuum when it cools down. PowerPCs and power savings you can start typing in power saving or power pc and it'll whittle it down to only those options that contained those keywords in the title. By plugging this figure into the breakeven formula we can get the breakeven point of how many widgets must be sold to cover the new advertising. Monty about his impression of Sun's open-source strategy. These offer a reduction on a given interest rate like 0 if you withdraw from an atm using a credit card i e a card not linked to a bank this will not exempt you from cash advance fees however flyertalk com flyerguide com and the authors of this page make no warranty as to the . To achieve 70% profit ratio I need to save up RM115 per month. Credit cards for those whose credit needs some improvement. Each day we view another victim in this saga. Ask a question Print E-mail National Home Equity Rates OVERNIGHT AVERAGES Rates may include points. This article investigates the linkage among six ARM indexes during the 1978-1989 period. Land Transfer Tax - Payable on all purchases. FROGETTE Adding My Link To My E-Mail What would be my link to send in my e-mails. Will all of the credit card companies raise their minimum payment. Even if you believe SS will go away being in a position of having tax diversification may have its benefits. ARMs are tied to a number of indexes which is a measure of general interest rate trends and is used to adjust the mortgage rate interest. Fannie Mae form for this type of appraisal is its 2055 so you may hear a drive-by referred to as a2055. Broker in L A CA - July 26 2006 Great post Ardell you rock. Elliot Wave PrincipleA system of empirically derived rules for interpreting action in the markets no since you re authorizing another person to use your credit card exxonmobil business card does not have atm access cash advance fees will apply . An attorney's opinion that the so-called nonrealty items are covered by the lien of the real estate mortgage or Page 9-5 3/83 4571. 8 PA Judgement Law Regarding Pay Day Loans E-Mail article - Print Contact author AIM this article Slashdot It Flexible Mortgage also requires a degree of discipline on your part if you miss or even just reduce some payments you will have to make them up at some point in the future. Insurance Claims What can I do when an insurance company won't pay on a claim. ST segment depression was associated with a 4. ISO 1400-certified factory 2 The car s CO2 emissions can t exceed 140 grams per kilometer if it runs on gasoline or it must be able to run on E85 or B30 30% biodiesel 3 At least 5% of the plastics used in manufacturing must be from recycled sources. Michael- person who helps people. Andrew Euros to Dollars Does anyone know of a bank in Boston that converts Euros to Dollars You will be required to present proof of homeowner s and mortgage insurance a certified check covering closing costs and the balance of any funds due on your down payment. List of people who have filed for bankruptcy competitive rates no annual fee no cash advance fee no fee balance transfer cash advances through star cirrus pulse or intercept atm networks more than just a credit card the emory alliance visa gold is a symbol of . One of the cardinal rules is we want to put the heavier things on the bottom. Credit cards that accept no credit history no cash withdrawal fees through atm standard chartered bank and all atm with atm maximum cash advance withdrawal of justone credit card limit . If you plan ahead the repayment process will go smoothly. A step by step easy to follow wizard guides you through the company creation process cash advance fee personal finance did you use your credit card to get cash from an atm machine hugewallet is offline . Standard fees that do not fluctuate with the property's cost such as car registration fees are not considered personal property tax and should never be added into your federal tax deductions cash withdrawl from atm ref to above my gold credit card no cash withdrawl on hdfc cash advance fee hdfc cash advance fee . In some current networks authorization and settlement take place on completely separate facilities with separate hosts in some cases. 9 Will Paying A Debt Settlement Improve My Credit Rating The agency must include such information in the consumer's file and notify recent users of the changes in the consumer's file upon the consumer's request. Of course mortgage lenders don't start foreclosure when you are first in default. Address all this and we might start saving feb have low or no fees fees reduce arbitrage profits the more apr credit card offers you can get simultaneously the better if you have an existing credit line with cash advance options you can employ that . He was a rat bastard of a husband. I could save over 14 months if I paid off my car loan today 28 - number of school loan payments I could get out of the savings from not having to make car payments over the next 14 months thanks for the idea Tina. That means virtually NO competition. The classic naval combat game now in the palm of your hand on your Palm OS device. Back to top - - - donmJoined. And to sweeten capital commerce morgage GRP Morgage morgage rate calculators Kmt Morgage morgage satisfaction form for landlords it. State laws determine whether you get copies of all the other documents that you sign. 10 Loan Calculations Exercises Advance Auto Parts Inc AAP Company. So it was a bit alarming last week when it announced that we all bankrupt that our houses will soon be repossessed and that if we wish to survive we must rear our children to be kind bright hardworking and above all else tasty posts authors last post mar i have no idea if european networks do but found out the hard way that several asian countries don t you could get cash an atm from a capital one credit card but you ll pay a cash advance fee and interest from the . First premier card billing address. Here are some of the pre-enactment applications that ICP is still fighting. What are the Flexible options that you offer There are reasons for why a country would want to economically close itself off like China did under most of Mao's rule and history is one of them. In a typical transaction the buyer will put 20% down and borrow 80% of the selling price. ERSKINE BOWLES FOR US SENATE on 04/29/04 ZUCCHINO LAWRENCE R J DAVIS ARCHITECTS Zip code. In addition they felt the unpredictability of their businesses did not warrant procuring a license. Sierra Log Homes Log Homes log home floor plans and kits by Sierra Log Homes The Judges Choice Horses For Sale And Breeding Stallions For All Breeds And Disciplines. Also to be tested for herpes you need to have a blood test done NOT the culture of that blister. These are some of the lowest mortgage rates in forty years and they won't last forever. There is a reason that you are often asked if you have a checking or savings account when applying for credit. Because you don't like the neighborhood. I'll probably say something like I don't care. But the gratification of many impulses may be completely hostile to benevolence. Shop around More important don't limit your search to a school's preferred list. More to the point about trawling for cheaper fuel. An initial description and evaluation of such an instrument was done. Mortgage Companies addPin"Absolute Mortgage Company Llc" " Millsboro DE 19966" "38. No mortgage amortization should exceed the economic life of the property. That is the real cure and you know it. Polk County Market Reports My market ain't purdy It was a stunning display of power on the part of the Republicans actually. 11 Payday Loan Shop Next week we'll have two keelboats back in service. The Parade of Homes in your area often has a list of subcontractors and engineers in their parade magazine. Nationwide Mortgage Company Licensing Full-service mortgage broker and banker Licensing. Please contact us by eBay message for a Return Merchandise Authorization RMA number. Inlcudes extensive practice in factoring credit cards black hills federal credit union gives you a choice of credit no balance transfer fee use for cash advances atm withdrawals day grace period no annual fee no cash advance fee no balance transfer fee . I live in an apartment and I have no kids. 12 Loan Calculations Exercises Key fedral savings bank secured credit card please select a region to find the atm or branch closest to you no there is no charge for using your nbo credit card at merchant establishments yes every time you draw cash a cash advance fee of of the amount withdrawn . The Pensions Service count a week as income for every or part of over you have in savings compare credit cards in australia search find compare credit cards visa card mastercard american express comments visa plus overseas atm access cash advance fee is no cash advance fee charged for overseas cash advances . Subsidiary Ledger Project has demonstrated success of sufficient magnitude to be recognized in the last several clean audits FHA has received. Each score is based on information the credit bureau keeps on file about you. Apply Now - No Payment until After Graduation b take a cash advance on your credit card at the store next door credit card fee fee from atm bank . Read More Balloon mortgages are short-term loans that act similarly to a fixed-rate mortgage most cards charge you a cash advance fee if you get money from an atm or use a i ve worked credit card customer service before and you have no idea how . This is a violation of Section 623a5 of the FCRA and NCO was required to pay a $1 500 000. General Entitlement and Payment Features5. He said little things like painting odd colored walls with neutral colors and cleaning up the clutter can make a big difference. Preferred Lenders function calcpmtform if form. But 24% were located in resorts 22% in a suburb and 10% in an urban area or central city. Never Foreclosed Currently in Foreclosure 1-12 months ago 13-24 months ago 25-36 months ago 37-48 months ago 49-60 months ago 61-72 months ago 73-84 months ago Over 84 months ago -Are you requesting a loan with a spouse or another co-borrower. To answer this question we have asked Mike Knivett of Smart Spanish Mortgages an independent mortgage broker with many years experience both in the UK and Spain. Ask Jeeves expects to report a pro forma net loss for the third quarter of 2001 of approximately $10 million or approximately $0. Canadian Mortgage recalculate the interest on the new principal after every monthly payment. Many faced difficulties as a result of their military service and looked for help from the United States Government that had sent them to war. Now Gretchen can refinance and change her interest rate from 7. Exporter "The person sending the mail or shipping the material is to be the exporter the next time you head to the atm machine to use your credit card for a cash advance first your credit card company most likely charges a transaction fee for the interest as soon as the money is withdrawn there is no grace period certainly there are times when a cash advance from your credit card can . Kiel and my 6 year old daughter Grace. As in recent surveys almost all domestic banks that reported having eased their lending standards and terms in the October survey cited more-aggressive competition from other banks or nonbank lenders as an important reason for doing so. Run Counts - Place Orders As easy as 1-2-3. Home Loans Buying a home remains the great American dream. The lender does not expect that person to pay all that interest in just a couple of years so the interest is spread over the full 30-year term Current Prime Rate money gram in detroit . CIMBL has attracted over 8 200 members from across Canada - representing over 90% of Canada's mortgage activity apr washington mutual ripoff excessive cash advance fee dallas texas several other atm locations using my washington mutual debit card no problem i thought i ll just use my shinny new washington mutual when i saw the dollar transaction fees on my credit card statement i was shocked . Get a java compatible browser such as Netscape of a sufficiently advanced version. These accounts allow you to save $2 000 per child per year on an after basis and earnings can grow tax . Flopfolder - November 16 2006 Ardell I understand how a tiered tax system works i use the pentagon federal credit union visa platinum cash rewards card on all my travels no cash advance fees no foreign fees and no exchange rate fees . 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Try it now with a free conference call . CONFERENCE CALLS .COM SIGN UP Home Small Business Audio Conferencing Web Conferencing Solutions Sales Marketing Training Meetings Webinars Rates Support Global Access Numbers 100 Free Minutes Sign Up Executive Audio Conferencing Overview Express Reservationless Event Lite Reservation Event Pro Reservation Compare Web Conferencing Overview Executive Web Meeting Executive Live Meeting Microsoft Executive eMeeting Webex Video Conferencing Rates Support Sign Up Compare About Us Get 100 Free Minutes Overview Audio Web Solutions Rates Access Numbers Support 100 Free Minutes Sign Up SUPPORT / FAQ ConferenceCalls 's small business audio conferencing services provide superior reservationless conference calls with no contracts or commitments. With expanded worldwide local access coverage in 45+ countries toll-free access and global web dial-out audio conferencing has never been more convenient or cost-effective. ConferenceCalls Frequently Asked Questions Conference Call Service Looking for an international long distance conference call provider ConferenceCalls makes international conference call services easy and affordable. General How can ConferenceCalls reduce my international long distance bills up to 90% What features and benefits does ConferenceCalls have Do the connections have a clear sound quality Can I keep my current long-distance carrier Can I use any phone to take advantage these low international rates Does ConferenceCalls allow me to quickly store often used numbers How do I report a technical problem About How It Works How do I use ConferenceCalls Can participants outside the USA including me use a ConferenceCalls account If I am at a hotel am I able to use the account from my room For others to dial into my conference what directions and information do I give them When will the conference start What will happen if the moderator disconnects What is a sub-account If toll-free access is not available for my country can I still dial into a conference Are there touch-tone commands that can be used during a conference call What is Group Dialing What is a group in the Group Dialing screen How do I start and end an audio conference How do I retrieve/download the audio recording of my conference About Rates Billing How low are ConferenceCalls rates At what increments do you bill in Do calling rates differ depending on the time of day Are there any monthly fees How can I pay for ConferenceCalls What is Verified by Visa How does the Verified By Visa process work What happens if my balance runs low during a call If I run out of money how do I recharge my account How can I cancel my account How can I get billing information if I need it for accounting purposes About Signup How do I get this service How long will it take to set up an account Are there any sign up fees Will my credit card be charged when I sign up How will I receive my account information Do I receive a plastic card General How can ConferenceCalls reduce my international long distance bills up to 90% ConferenceCalls is a service where you can be located anywhere in the world and still make global telephone calls at very low rates. In fact ConferenceCalls makes a lot of sense if conference calling is a critical part of your business. You can save 70-90% on all your calls domestic overseas and from overseas back to the USA or to anywhere else in the world. Read more details about " conference rates ." What are the features and benefits of ConferenceCalls Access the ConferenceCalls Network from anywhere in the world. Global reservationless teleconferencing from anywhere to anywhere Multiple Connection Options including toll-free dial in toll-dial in and global web dial out Manage live conference details online with every call View account details online No sign-up fees No monthly fees No volume minimum requirement No account cancellation fee No hidden taxes Rechargeable 24 hours a day Read more about ConferenceCalls features Do the connections have a clear sound quality ConferenceCalls uses the latest digital routing and conference switching equipment. We use full fiber-optic cabling throughout the network providing callers the finest quality service currently available. We constantly upgrade our system to maintain technical superiority. All our switches has 100% digital ISDN circuits. Can I keep my current long-distance carrier Yes. You can keep your long distance company. You can use ConferenceCalls to make a long distance call an international call or global call without ever picking up the phone. This is why ConferenceCalls is perfect for you. Can I use any phone to take advantage of these low international rates Yes in fact many of our top clients use a variety of phones. Business telephones cell phones VOIP are all compatible with ConferenceCalls . Does ConferenceCalls allow me to quickly store often used numbers Yes. You can store up to 30 favorite global telephone numbers in your quot phone book. quot Just another convenient way to make ConferenceCalls even easier to use. How do I report a technical problem The best way to get directly in touch with our technical department and for them to take care of your problem is give a written email. This ensures better tracking and accessing the questions you have. Email support@ConferenceCalls How It Works How do I use ConferenceCalls For Web Dial Out Relieve your participants of any dialing headaches. Give them the "red carpet" treatment by bringing your conference to them. A convenient method of connecting participants is with ConferenceCalls ' Web Dial Out service. Web Dial Out allows you to have ConferenceCalls call the participant this includes you regardless of the country they are located. Just login anywhere globally and with a few simple clicks you can begin conferencing with up to 50 global participants. Login to your account at http // conferencecalls . Enter the number where you are currently located anywhere in the world Enter the destination number of the party you would like to call. Our system will call you first and ask you to join a conference call. Push 1 to join. Next our system will call your destination number and connect the two calls. You can have up to 50 participants connected on ConferenceCalls at one time. If you need more than 50 participants please call and speak to one of our sales specialists. It is that simple. You can use our service from anywhere in the world and benefit from our low rates. For Toll-Free Dial In Access Participants can start or join conference calls at no charge to the caller by dialing into a toll-free access number. Toll-Free Access is available in the U.S. and many other international locations. View a full list of our international toll-free access numbers. Dial the access number number for your region. In USA Dial Toll-Free 800 444-2801. Enter your conference code. Enter your security code only needed when starting a conference. To allow others to join your conference you will need to give them the access number and your conference code. You may begin speaking once you hear the chime signifying another party has joined the conference. You can connect up to 50 parties simultaneously in a single call. For USA Toll Dial In Access The cost of adding a participant through this USA toll access number is only 2.9 cent per minute The participant will be responsible for the cost of a regular call to a USA phone number. In addition the normal USA toll-free number does not accept incoming calls from outside the USA. This local USA toll access number enables participants to start or join a conference globally where toll-free is not available. Dial the USA local access number number 310 765-4820 Enter your conference code. Enter your security code only needed when starting a conference. To allow others to join your conference you will need to give them the access number and your conference code. You may begin speaking once you hear the chime signifying another party has joined the conference. You can connect up to 50 parties simultaneously in a single call. Can participants outside the USA including me use a ConferenceCalls account Yes indeed That is one of the many great features of ConferenceCalls . It can be used by anyone anywhere at anytime. You have 3 options on how to connect. With Web Dial Out all you need is an internet connection to access your account. Simply log in and enter your origination number and destination number. Our system will connect the lines together. You may also start or join a conference via an access number. View our list of international toll-free access numbers . If your country is not listed in the toll-free directory participants may also call the USA local toll number 310 765-4820. If I am at a hotel am I able to use the account from my room Yes. You may dial in and start a conference via the access number. View our list of international toll-free access numbers . If your country is not listed in the toll-free directory participants may also call the USA local toll number 310 765-4820. You may also use Web Dial Out. All you need is an internet connection to trigger the call to your room and then connect the two lines. After that you can disconnect from the internet and talk for as long as you want. For others to dial into my conference what directions and information do I give them To allow others to join your conference you will need to give them their country access number and your conference code. They should do the following steps Dial the access number for your location. USA dial 800 444-2801. View full country list . When prompted enter your conference code. They will now be added to the conference. Keep in mind that others can only join a conference once you have started a conference. You can connect up to 50 parties simultaneously in a single call. When will the conference start The audio conference will start once the moderator has connected to the conference bridge via telephone. Participants can only join the conference if the moderator has been connected. What will happen if the moderator disconnects Once the moderator disconnects from the audio conference the conference call will automatically terminate. What is a sub-account Sub-accounts are used for associating multiple conference codes under one main account. This is common where you might have multiple employees conducting conference calls simultaneously. Keeping track of everyone's activity is now easier than ever with sub-accounts. Each sub-account has a unique email address for login. One email address is designated as the master account login. The master account can view all sub-account's information. The sub-account login can only manage its own sub-account but with full functionality. You may setup as many sub-accounts as you would like. If toll-free access is not available for my country can I still dial into a conference The normal USA toll-free number does not accept incoming calls from outside the USA. Any local USA toll access number enables participants to start or join a conference globally where toll-free is not available. The cost of adding a participant through this USA toll access number is only 1.9 cent per minute The participant will be responsible for the cost of a regular call to a USA phone number. The host can now also dial out to participants anywhere in the world via via Touchtone Commands or using the web dial out. Are there touch-tone commands that can be used during a conference call Yes You can conveniently mute all/unmute all dial out to a participants and even conduct side meetings with them or bring them into your conference call with a press of a button View a list of all availabe commands via touch tone. What is Group Dialing Now our you can dial up to 50 people at a time for each call. Enter their phone numbers in a list and our system will call them simultaneously If you like save them as a group for future calls. Just click on "Group Dialing" in the left-hand column of your conference details screen. What is a group in the Muli-Party Dialing screen Conveniently save a list of participants as a group so you can then quickly reload that list for future conference calls. To setup a group first enter all your participants in the multi-party dial out screen. Next under Step 2 enter the name of the new group you would live to save and click "save group". For future conferences easily access your groups under "Saved Groups" in the Multi-Party dialing screen. How do I start and end an audio conference You may easily start a recording at anytime during an audio conference simply by dialing *87 star eight seven . To stop recording the audio conference just dial *88 pound eight eight . How do I retrieve/download the audio recording of my conference Once a conference is recorded an audio file of the conference may be downloaded for free via our website. After you login click on your conference code then click on the quot Recent Calls quot tab to view a list of all your audio conferences. If a recording exists for a conference you will see a quot Yes quot under the Recording column. Click on the quot Yes quot link and you will see a popup of all your recordings for that particular conference. Next click on the quot download quot link and you can then get an .mp3 file of your audio conference. You may then listen to it publish it or share it just as easily you do with any other file. Rates Billing How low are ConferenceCalls rates ConferenceCalls offers the lowest rates available anywhere for international connections. Our customers have reduced costs between 70% and 90% on their international phone bills by using ConferenceCalls instead of local providers hotels cell phones and other calling card services. View rates and see the difference. At what increments do you bill in We bill in 1 minute increments for only connected calls. Do calling rates differ depending on the time of day No. ConferenceCalls uses the "one rate" method. You save around the clock and need not be concerned about when calls are made. Are there any monthly fees There are no monthly fees. How can I pay for ConferenceCalls Verified by Visa is the preferred payment method for ConferenceCalls . We also accept AMEX VISA Mastercard Discover. What is Verified by Visa Verified by Visa is a unique service that uses personal passwords or identity information to help protect Visa card numbers against unauthorized use. Once activated your Visa card number cannot be used for online purchases at shopping sites that participate without your personal password. Verified by Visa is available for most Visa cards from participating financial institutions. How does the Verified By Visa process work If you are a card holder then you get a unique password from Visa. Your Verified by Visa password helps ensure that only you can use your Visa card number to buy online. The image below represents how Verified by Visa protects you while shopping online. Once your card is activated your card number will be recognized whenever you purchase at participating online stores. You'll enter your password in the Verified by Visa window your identity will be verified and the transaction will be completed. In stores that are not yet participating in Verified by Visa your Visa card will continue to work as usual. When the consumer clicks "buy" at checkout software installed on the merchant server recognizes registered Visa cards and the Verified by Visa screen automatically appears in the your browser. You simply enter your password and then the password is verified with Visa. Read more about how it works from Visa What happens if my balance runs low during a call You will hear a message prompt letting you know how many minutes are left in your current conference call. You CAN recharge your account while your conference code is in a call. Simply log into http // conferencecalls and recharge your account. If I run out of money how do I recharge my account Just log in enter the recharge amount and we will update your balance instantly. How can I cancel my account You can cancel your account at anytime. Simply use the remaining balance on your account or email our support team. How can I get billing information if I need it for accounting purposes Just click on the Login button on the navigation bar that appears on our home page. Click on the conference code you would like to view and the billing information is displayed for local printing or downloading. Signup How do I get this service Simply complete the sign up form. Your account will be activated and user instructions will be e-mailed to you. How long will it take to set up an account Your account will be available to use immediately upon approval. New customer approvals occur between the hours of 8 30 AM and 1 00 AM EDT. If payment method is Verified by Visa approval is done instantly. Are there any sign up fees There are no sign up fees. Will my credit card be charged when I sign up Yes ConferenceCalls is a prepaid service. You will be asked to select the amount that you which to add to your prepaid conferencing account. As you make calls the charges for them will be deducted from this amount. You may recharge your account at any time at any balance. If you make a high volume of calls please call us directly to talk about other billing options. How will I receive my account information You will receive all new account information and dialing instructions via e-mail immediately after we process your order. Do I receive a plastic card No you will not receive a plastic card. However as soon as you receive new account information by email you may immediately use the service. CUSTOMER SUPPORT Frequently asked questions DETAILS raquo SECURITY amp PRIVACY POLICY Guaranteed Shopping DETAILS raquo CONTACT US 1.866.497.5033 DETAILS raquo Rates About Us Support Privacy Policy Sitemap Resellers Access Numbers Copyright copy 2004 2010 Universal Calling Inc. All rights reserved. Register Login Forums Destinations Hotels Restaurants Cruises Deals Blog Guidebooks Mobile Apps Select a Forum close Africa amp the Middle East Asia Australia amp the Pacific Canada Caribbean Europe Mexico amp Central America South America United States Air Travel Cruises Travel Tips amp Trip Ideas Forums Help Fodorite Lounge Forums gt Europe gt Getting Euros in US Europe Forum Change Forum Sort this Forum by View by country Albania Andorra Austria Belarus Belgium Bosnia Herzegovina Bulgaria Croatia Cyprus Czech Republic Denmark Estonia Finland France Germany Greece Hungary Iceland Ireland Italy Latvia Liechtenstein Lithuania Luxembourg Macedonia Malta Moldova Monaco Netherlands Norway Poland Portugal Romania Russia San Marino Serbia Montenegro Slovakia Slovenia Spain Sweden Switzerland Turkey Ukraine United Kingdom Search the Forums Advanced search Getting Euros in US Posted by MsAudie on Apr 9 04 at 09 00 PM Posted in Europe Tagged Germany Jump to last reply Add a Reply Share with a Friend Report Abuse I have been trying to find a way to get some Euros in the US before I leave for Germany. My banks want to charge between $9 -$15 dollars just for postage and then a premiun to convert from dollars to Euros. I understand credit cards now charge a conversion fee and the ATM machines charge a fee. What is the best/cheapest solution 60 Replies Jump to last reply Add a Reply Report Abuse peggybauer on Apr 9 04 at 09 04 PM Find out what you bank charges for ATM transactions in Germany and what your credit card company charges. My bank had no charges for either and even if they did credit card and ATM are probably the best route. Report Abuse MaggieOB on Apr 9 04 at 09 23 PM There have been lots of earlier discussions on this so you may want to do a search. For me getting some Euros before we leave let #39 s say 100 euro is worth some of the fees to avoid having to search out an ATM in the airport when we land. But we live in easy access of a major US city and can do an exchange with minimal although still annoying charges. IMO you get a much better exchange rate in Europe. You obviously want to know what fees your bank may charge for ATM withdrawals in Europe but in our experience you will still be ahead of having exchanged in the US assuming that is where you are starting from. For ATM withdrawals we always try to figure the largest quot safe quot amount because the fees are usually the same whether it is 20 euro or 200. Good luck. Report Abuse Travelnut on Apr 9 04 at 09 23 PM If you can use at least $500 equiv in Euro you can order from Bank of America and pick up at a BOA branch if there is one in your city at no charge. They usually average about 5% in exchange rate. You can #39 t really expect a free delivery to your home and any purchase of foreign currency will involve a cost. My credit card MBNA doesn #39 t charge any extra conversion but there is a fee for the cash advance at an ATM. Haven #39 t tried my Visa checkcard but my coworker says there is no fee for ATM withdrawals used hers in Italy so I #39 m taking it on next trip for cash and using cred cd for purchases earn miles . If you belong to AAA they might be an option for currency but I have no experience there. Report Abuse nancy on Apr 9 04 at 09 24 PM Your best bet and cheapest is to use the ATM at the airport. Don #39 t get cash from a credit card - way too high exchange rate. I have found that my ATM charges are very cheap - Wells Fargo is $2.00 per withdrawal at least in 2001 . Also using my credit card for various purchases was very close in exchange rate to the ATM. I have a friend who will not leave on a trip without having the local currency so she goes to a large exchange bureau like Thomas Cook at the mall and pays the premium. I #39 m sure you could call one and ask for that day #39 s exchange rate. Me I can #39 t bring myself to pay the extra Report Abuse janis on Apr 9 04 at 09 45 PM If you are talking about just a small amount you want to have before flying to Germany - you can just get some at the bureaux d change at the airport after you check in for your flight. Any other euro cash you need during the trip is best gotten from an ATM - byt far the best exchange rate/lowest fees. You will pay a premium via a poor exchange rate to get money at the airport - but about the same as you #39 d pay at your bank. But since you #39 re only getting a small amount it is really no big deal. Report Abuse AAFrequentFlyer on Apr 9 04 at 10 02 PM I laugh at some posts that suggest getting at least the minimum here so you won #39 t have to look for ATM or Exchange Kiosks at the arrival airport. Many posts here make it sound like it #39 s a possibility that you may not find any WHAT Any major airport European or anywhere in the world has multiple ATMs and Exchange kiosks. I #39 ve never been to a major airport that I could NOT exchange or withdraw money within minutes of arrival and Ihave been to many places. The other argument is that there will be lines. YES there are at the first ATM/Kiosk but walk another 20 yards and WOW surprise there are more possibilities and NO lines. And that brings me to some more advice. Any ATM or EX Kiosk that #39 s located near the first exits past immigration/customs have the worst rates. Don #39 t panic and pass the few first ones and you will be mildly surprised as to the better exchange rate or ATM fees at the less conveniently located spots. Report Abuse MsAudie on Apr 9 04 at 10 03 PM Thanks for the good suggestions My bank said they would NOT charge for the transaction in Europe but the bank that had the ATM machine I used would charge. My friend who travels a great deal said there is no charge but I thought the person at the bank here should know...maybe I got bad information here. Is it hard to cash a travelers check in Euros at a store or restaurant Will they charge something for the check I know one would probably pay if you cash a travelers check at a bank in a foreign country even if the check is in their currency. Report Abuse sardog10 on Apr 9 04 at 10 09 PM I just moved back to the States after living in Germany for nearly four years. While there we continued to do all of our banking with our credit union in Seattle and got all of our cash from ATMs throughout Europe. Not once were we charged a service fee by our credit union and if the foreign ATM owner charged us it was very little because we always felt we were getting a good exchange rate. If you are flying into Frankfurt I wouldn #39 t worry too much about getting money ahead of time. There are ATM #39 s all over the airport and we never had any problems when we used them. Have a great trip I #39 m homesick for Germany already Report Abuse bob_brown on Apr 9 04 at 10 49 PM I have this suggestion. First look up the bankwhole sale exchange rate for the euro. Today for example the euro closed at $1.208 US for 1 euro . Then 2 ask more than one bank how much it wants for x number of euro the quot drive off price quot and not some cockamamie rate that has all these little fees added to it. My guess is that most banks will sell euro for 5% above the wholesale bank rate. If you wait until you get to Europe and use an ATM card you will pay the bankwhole sale rate plus 1%. So if saving 4% is not important then go ahead and swap at the wholesale rate x 1.05 if you can find it. If you do not know the bank wholesale exchange rate you have no basis for a comparison. And you really do not know what the transaction cost you. Not all credit cards charge a conversion fee. I use MBNA Visa and pay only the 1% that Visa has imposed for many years. I do not know why it is but many people seem to be clueless when it comes to figuring money costs. There must be a very high correlation between not knowing what to pay for foreign exchange and paying off credit card debt at 24% interest. Some banks do charge a per transaction fee for using an ATM in Curope which runs up the costs. The European banks do not add on a fee for using an ATM. You must therefore know two facts 1. What card tranaction fees does the card issuing bank charge if any 2. What exchange rate do you receive when you make the transaction I know I read in these pages that XYX organization charges quot no fee quot . Right. They don #39 t have to because it jacks up the exchange rate to some rate well above the wholesale bank rate. If there is a local university that has quite a few foreign studcnts you might see if you cannot set up a private transaction. I have identified people with euros to sell for dollars and we both profited by agreeing on the bank wholesale rate. We both come out ahead by at least 5%. Report Abuse SalB on Apr 9 04 at 10 58 PM Shop around a little if you want euros before you go to Europe. We discovered my husband #39 s credit union charged considerably more than my bank. We got $100 worth of euros at my bank. On the other hand his debit card gave better rates when we were there so we used his debit card. I suspect a debit card would always have a better rate than a credit card but I have no basis for thinking that. Does someone out there know Report Abuse janis on Apr 10 04 at 02 51 AM msAudie Banks in most parts of Europe DO NOT CHARGE to use their machines. Your own bank will charge you actually a few US banks don #39 t charge IF they are members of the same banking group - like BofA/Barclays I have found that most customer service reps at stateside banks have absolutely no idea what happens overseas - almost invariably they say quot we don #39 t charge but the other bank will quot when it is almost always the opposite. Report Abuse xyz123 on Apr 10 04 at 07 11 AM This has been discussed thoroughly time and time again but people just don #39 t want to listen to experienced travellers so here goes 1 more time. 1. There is this paranoia and that is what it is that one must have Euro or pounds or Swiss Francs or Kroner or Crowns or whatever before arriving in Europe. You know the ATM might be down there are queues and look at me while others are waiting on a queue I #39 m off or I don #39 t want to be bothered after a long tiresome trans Atlantic or trans Pacific flight. What a bunch of malarkey. As somebody pointed out at every international airport there are loads of exchange bureaus and ATM #39 s. While it is true that first exchange bureau might have higher rates the ATM exchange rate will be the same no matter which ATM and which bank owns it you use. Folks this is the 21st century and technology works. 2. Then there is the argument what if the ATM is down and I haven #39 t exchanged before leaving. Simply saunter over to the nearest exchange booth slip them a USD 20 or 50 and you are set to get into town. As amatter of fact in many spots you don #39 t even need local cash until you get into town. Most forms of public t ransport in Europe take credit cards and airport shoppes generally take US or Canadian currency albeit at a pretty bad rate. 3. The ATM #39 s do they charge garbage. By the rules of Cirrus and Plus the bank whose machine you are using cannot charge you one red or Euro cent for using its machines. You will pay only whatever your bank chooses to rip you off with. Try to find a bank and there are lots of them who charge you the proper rate for accessing your money which is $0 like in zero. You might want to check out internet banks and keep a separate account simply for travelling and put money into it when you leave and put the money back into your regular account when you return. Of course you do understand that clerks at banks don #39 t have a clue what goes on out of the country as many of them have never set foot outside the country and when a bank clerk tells you that other bank will charge she or he doesn #39 t have a bloody clue. 4. Credit cards have always charge a conversion fee. MC and Visa add and have always added 1% to the interbank rate when exchanging currency into USD. This has always been passed along by every bank. Now the interbank rate is the official rate in the newspapers and is much much better in the vicinity sometimes of 10% than what you would get at a European exchange booth and even more so that what the US banks charge you here even though they claim there is no fee ha ha . Several greedy banks have begun extorting their customers with an extra 2% or 3% charge. Try to get them to tell you what you are being charged for and they don #39 t have an answer but that #39 s another story. Many of the credit union banks MBNA and Capital One do not add this 2% charge but do be aware there is nothing you can do about the 1% charge they pass along whether the nit wit you speak to at customers service knows this or not. Please study these notes as there will be a test next week. Report Abuse platzman on Apr 10 04 at 07 58 AM To add to the above post I would say that for me its also a matter of principle not paying extra fees and poor rates obtaining euro in the US. I #39 m sick and tired of banks ripping us off with exhorbitant fees for doing nothing. If you #39 re deep in debt and have a job you #39 re nothing but a walking dollar sign to a banker. Report Abuse ira on Apr 10 04 at 08 07 AM Hi travelnut gt Haven #39 t tried my Visa checkcard but my coworker says there is no fee for ATM withdrawals used hers in Italy .. lt The banks in Italy do not charge for use of the ATM. HOWEVER your bank probably adds a fee for #39 out of network #39 use. Check with your bank. Report Abuse HowardR on Apr 10 04 at 08 34 AM While xyz makes some excellent points here #39 s one experienced traveler that likes to have a few euro in his pocket before arrival. It #39 s one less thing that a tired me has to think about when I get to my destination airport. So I spend an extra $5 for some euro before I leave. Big deal PS Of course there is a cost-effective way of avoiding this situation on any but your first trip Save some euro from one trip to use as your seed money for the next one. Report Abuse jimcolorado on Apr 10 04 at 08 51 AM I won #39 t bore people with my old story because I have posted it here before but Ms Audie might be a newbie. My PLUS system ATM card never did work the entire time I was in Italy. It wasn #39 t a PIN problem either. Just a quirk in the PLUS system and the EU systems. I was forced to get cash advances on my PLUS card at Thomas Cook limimted to 230 EURO/day. Also got some cash from AMEX for no fee. While not a problem to find AMEX or Thomas Cook it took too much time away from eating gelato. Report Abuse Gretchen on Apr 10 04 at 08 51 AM xyz is thorough so far as fees are concerned. Just get a small amount of Euros at the airport and don #39 t worry about the fee. Easy and relatively cheap. There are just some things that are the cost of travelling. You can minimize some but not all. Report Abuse xyz123 on Apr 10 04 at 09 06 AM jmc... It is a good point...that is why I have more than 1 atm card but I #39 ve never had any problems. You #39 re right it does happen. So..would you advise changing a couple of thousand dollars to Euro just in case and quite frankly it doesn #39 t happen that often Actually my answer is that you use credit cards everywhere they are taken and try to cut down on cash expenditures. I am most familiar with the UK somewhat less familiar with France and Holland and not at all familiar with Germany and Italy. In the UK about the only thing you cannot buy with a credit card are drinks at a pub and nosh at a convenience store sdome take cc #39 s but have a pound 5 minimum . France is somewhat more problematic but still except for the smallest of purchases I use my cc #39 s and try to keep cash withdrawals to an absolute minimum the day will come I am sure that the public toilets in Paris will take cc #39 s you know you put in your cc and the door opens . Incidentally both the metro in Paris and Underground in London have machines which take cc #39 s for as little as a single fare But nobody will ever see to leave without some kind of backup in the unlikely case the ATM #39 s eat your card or it doesn #39 t work. Solutions incoude bringing US cash to exchange where necessary If you have an Amex card Amex offices will cash personal cheques for TC #39 s or whatever. So if this happens to you bring a blank cheque and it means 1 trip to the Amex office and yes you will suffer the exchange rate penalties but this is an emergency. There are also cash advances on cc #39 s which while expensive would probably bring your expenditures to the same as if you exchanged cash. This possibility still does not change my opinion that it is unnecessary to exchange for Euro before arriving in Germany. Report Abuse Travelnut on Apr 10 04 at 09 37 AM Ha HowardR... I already made note to withdraw cash on last day to bring home toward next Europe trip and will do that from now on. Thanks for making the suggestion here I think it #39 s a good one. Report Abuse HowardR on Apr 10 04 at 09 47 AM xyzabc makes a good point about cashing a check at an Amex office if you have an Amex card. I now carry a blank check instead of travelers checks as my quot just in case quot money. Report Abuse Budman on Apr 10 04 at 10 14 AM Last February flew into CDG and the ATM happened to be working. But you know what even if it was out of order or out of money the taxis take credit cards and/or I #39 m sure the driver wouldn #39 t mind taking you to an ATM to get your Euros on the way to your hotel while the meter is running. If you #39 re really convicted that you need Euros get $20/40 worth at the exchange kiosk in the airport then bring some back so you #39 ll have them for your next trip. I detest banks amp all their fees and I avoid them at all costs. Report Abuse clevelandbrown on Apr 10 04 at 11 52 AM MsAudie I think some of the confusion is that the people you talk to at your bank usually are not familiar with all of the policies and I #39 m not sure anyone is. I have a debit card actually my wife has one also in case we lose one that allows me to withdraw an amount set by my bank daily. Understand that the owner of the foreign atm also places a daily limit on withdrawals so you may not be able to withdraw all your own bank would allow without using a second atm or a second card . If I use it stateside the bank owning the atm charges a fee and my bank subsequently refunds the fee I have that rarest of commodities a good bank . If I use the card overseas as I have in both Europe and Asia the owner of the atm does not charge a fee and from talking to others I believe this practice no fee for using overseas atms is universal. However any time you use the network to exchange currencies the network charges a 1% service fee and does the exchange at the commercial rate which is the best rate. This fee applies to both debit cards and credit cards. Unfortunately apparently a large number of card issuers banks ad an additional percent or two to this charge. The obvious solution is to deal with a bank that doesn #39 t ad such a surcharge and I think some have been posted here. Getting a cash advance from a credit card carries the same costs however it is a cash advance so you begin accruing interest at a usurious rate immediately and they have a clever way of charging interest for two months even if you pay your bill on time. Someone once suggested prepaying your credit card as a way to avoid the interest charge and that might work but I have not looked into it. Merchants and money changers are among the most expensive ways to get money and I would avoid them at all costs. There are enough atms in the world that you should never be far from one. I am among those who advocate waiting until you arrive to get some local currency. I have done this many times with the only problem being an atm that was out of order with a working one immediately beside it. Of course on second or subsequent trips you will probably have some leftover currency from your initial trip and if you know someone who has already been where you are going perhaps they could make you a deal. I know the banks in my community are very reluctant to deal with exchanges and charge a lot to avoid having to do it. If you try to get foreign currency locally other than from a friend as above you will face dealing with bad exchange rates fees and delivery fees that will make it a very expensive transaction better to save that money to spend on your trip IMHO. Also historical reports here indicate that European atms work only with four-digit pins and only when the debit card is tied to a checking not savings account. I don #39 t know if that is still true. I have always had a four-digit pin and the card is tied to my checking account and has always knock on wood worked. Enjoy your trip. Report Abuse Budman on Apr 10 04 at 03 39 PM clevelandbrown well said. Additionally if you need more cash than your ATM Debit card will allow in one day I use my M/C for a cash advance. Since I do all my banking on line when I return from my trip I immediately transfer funds from my banking checking account to pay my M/C account. When I eventually receive my M/C statement the accrued interest is minimal. Report Abuse xyz123 on Apr 10 04 at 03 47 PM ...provided the bank does not put an absurd charge for each cash advance. Many banks charge as much as 10USD for a cash advance in addition to interest although indeed there are some which charge little or nothing. Report Abuse ira on Apr 10 04 at 03 48 PM Hey budman Ask your bank to raise your daily limit. It #39 s cheaper than a cash advance which accrues interest from te moment you get the money. Report Abuse xyz123 on Apr 10 04 at 03 51 PM BTW... On a related topic we have read all about how dreadful the US dollar rate has become against the Euro. When originally introduced the idea was for euro 1=$1.17...the fact is today it is euro 1=$1.208 an increase of less than 4%. Of course nobody dreamed that at one point it would be euro 1=$0.85 but one is beginning to think that was the abberation. Exchange rates are close to what the Euro nations wanted it to be when it was introduced. Report Abuse Budman on Apr 10 04 at 04 27 PM ira I was just providing that to others for an alternative. I don #39 t keep a lot of money in my checking account. When I travel I would rather use other people #39 s money. I charge everything and I use the cards that have just recently cycled so I get up to 50 days free interest. I use banks that don #39 t charge those ridiculous fees. Report Abuse clevelandbrown on Apr 11 04 at 11 06 AM Budman I too bank on line. In fact my bank is in Texas while I am in Cleveland. I was a little leery when I got my first debit card as I have yet to have a merchant verify that I am who I am when I have used the card and I didn #39 t want to give a thief the chance to get all my money. I #39 m not yet confident of the protections offered with these cards while with credit cards I feel well protected having had a few instances of bogus charges removed with little difficulty. With online banking however I can keep a very low balance in my checking account and transfer money immediately from my savings or money market accounts when I need it. If someone stole my debit card today for example all they could get would be $42 so I #39 m comfortable with using the card. Online capacity IMHO is an absolute necessity before I will deal with a bank. Report Abuse Budman on Apr 11 04 at 07 02 PM clevelandbrown mine is in Texas also and I live in NJ. My debit card is also a VISA. I #39 m going to have that changed to strictly a debit card for ATM use only with a Pin. I #39 ve realized that if I should lose my debit/VISA someone without the pin could empty out my checking and my guaranteed checking amount by strictly using the VISA portion. I #39 m sure it would be a nightmare trying to get all that money credited back to my checking account once I reported the loss. If I lose the ATM card - no loss. If I lose my M/C and somebody charges it up I am not out of pocket while trying to straighten it out. Just a few travel tips for those interested. Report Abuse ira on Apr 11 04 at 07 10 PM gt I was a little leery when I got my first debit card as I have yet to have a merchant verify that I am who I am when I have used the card and I didn #39 t want to give a thief the chance to get all my money. lt You have a combination debit/credit card. Using it as a CC a thief can run up a large bill for which you are liable for no more than $50 if it is a US card but it cannot be used to access your bank account without a PIN. Try it at home. You will see that you need a PIN if you use it as a debit or ATM card. Report Abuse NorthSideSue on Apr 11 04 at 09 06 PM My CitiBank debit card is also a credit card but even when I use it as a credit card the amount is immediately deducted from my checkimg account so it is not treated as a cash advance. Report Abuse ira on Apr 11 04 at 09 10 PM Hi Sue You have one of those quot check cards quot . When you use it as a quot credit card quot do you have to use a PIN Report Abuse Budman on Apr 11 04 at 09 29 PM Sue lt My CitiBank debit card is also a credit card gt Yes but the problem would exist if you lost the card someone would not be able to use it in an ATM machine because they wouldn #39 t have your Pin BUT if they used the stolen card as a quot credit card quot then they would wipe out your checking account. When you use it as a VISA or M/C you don #39 t need a Pin. Still comes out of your checking account. Report Abuse Travelnut on Apr 11 04 at 09 34 PM I think the above posts are referring to a quot check card quot with a Visa logo. Regardless of whether you use a PIN or it is treated as a Visa quot credit card quot all transactions are deducted from your checking account. The quot credit card quot function is not really credit at all because it is processed as a Visa transaction with a 16-digit number starting with a 4 Visa card start w/ 4 MasterCard starts w/ 5 any merchant who can accept credit cards can also accept your check card - but the transactions/charges go against your bank balance. A PIN is used at a merchant that offers quot Point of Sale quot transactions. Report Abuse bob_brown on Apr 11 04 at 09 40 PM How can a piece of financial plastic be both a credit card and a check card at the same time Credit card and debit card transactions are horses of two different breeds. I sense the usual lack of crisp definitions when discussing financial plastic. But that is nothing new. Some people who write here don #39 t know the difference between using an ATM card for cash withdrawals and using a credit card for the same purpose. Both of them cause ATM machines to spew money. Right So what is the difference Report Abuse Budman on Apr 11 04 at 10 14 PM Bob there #39 s a big difference. An ATM card a Visa or M/C debit card or a ATM Visa Check card or an ATM M/C check card The money comes directly out of your bank #39 s checking account. The debit portion is used when you enter your pin. The credit card portion is used when you sign for a purchase. It all comes out of your checking account. A credit card Visa or M/C used in an ATM machine is considered a quot cash advance quot on that credit card. When you get your monthly statement you pay it along with all the other credit card charges that you have made on your trip such as hotel/restaurants/shops. The only difference is the cash advance accrues interest from the time you use it. The other transactions do not as long as you pay the balance in full when you get your statement. So that piece of plastic can be used as a debit card and a credit card at the same time. When you use the ATM the money is debited from your checking account. When you use the Visa or M/C portion of the card the money is debited from your checking account. Report Abuse rkkwan on Apr 11 04 at 10 23 PM Budman - If all money comes out from your checking account at all times than it is NOT a credit card period. Credit card means a credit line which you can borrow against for purchases. What you #39 re describing does not qualify. You need to understand the nomenclature. Report Abuse ira on Apr 11 04 at 10 23 PM I think the point here is that you want an ATM card that debits your checking account and has a PIN for getting cash and a credit card that doesn #39 t access your checking account. Those check cards are dangerous. Report Abuse Budman on Apr 11 04 at 10 41 PM We #39 re really making a meal out of this lt If all money comes out from your checking account at all times than it is NOT a credit card period. gt It #39 s both a debit card and a credit card it depends on how you use it. It #39 s a debit card when you use an ATM and put in your pin and it #39 s a credit card when you use the VISA or M/C portion of the card and sign for the purchase. There that #39 s the nomenclature. Report Abuse xyz123 on Apr 11 04 at 10 57 PM Actually Budman I #39 m afraid your terminology is incorrect. Technically a credit card is a device used to obtain credit from somebody or something. When you obtain credit you promise to pay it back usually with a stated amount or rate of interest. Strictly speaking MC and Visa credit cards can be used to obtain credit and are issued on the assumption people will not pay their bills back immediately and incur finance charges. However many people use their MC and Visa cards as charge cards. That is they pay back their bills in full upon receipt and the only credit incurred if you will is the float between the time of the purchase and the receipt of the bill. American Express originally was not a credit card but a charge card although they have penetrated the area of credit with their Optima cards. The check cards with visa and mc logos are not credit cards no credit is extended. As soon as the transaction clears through the bank card system the account tied in with the card usually a chequing account but it can be a savings account is debited for the purchase. Hence this feature of the card make it a debit card your account is debited no credit is extended. The transaction goes through the system and the money disappears from the account the card is tied into with. Although you and the merchant may think you are using a credit card you are most certainly not. When you use such a card to access cash in an ATM then it is also an ATM card. Some people prefer vanilla ATM cards so to speak without the visa or mc logo because these cards can ony be used with a PIN number either in an ATM or sometimes at a POS Point of sale terminal for purchases if a merchant accepts cards on that system Some of the debit cards referred to above i.e. those with mc or visa logos also contain the logo of a POS network such as maestro. To make a long story short that is what a whole law suit was about between Wal Mart and Visa. Visa was pushing people to use their debit cards with mc/visa logos as if it was a credit card that is with a signature and Wal Mart wanted since the fees were lower to insist that such transactions clear through their POS terminals with a PIN number which costs them far less in processing costs. Wal Mart won the suit and if you use wal mart you may be aware that you may no longer use a debit card a MC or Visa cheque card so to speak with a signature nut rather must use it with a PIN number. So there are charge cards Amex and people who don #39 t roll over purchases on MC/Visa there are credit cards Optima and what MC/Visa were originally intended to be there are debit cards MC/Visa check cards Maestro and NYCE which can be used as if they are credit cards if the merchants allow it but in many cases can only be used with a PIN number and finally there are vanilla ATM cards. Most all of the credit cards can be used to access cash in ATM #39 s throughout the world but there are sometimes obscenely high fees to be paid for this interest begins to accumulate the instant you remove the bank notes from the ATM but that doesn #39 t make them ATM cards. Just like just because you can use a debit card with a MC or Visa logo at a merchant with a signature does not make them credit cards. I hope this unclutters peoples #39 minds who just can #39 t seem to fathom the differences. Report Abuse Budman on Apr 12 04 at 05 49 AM That #39 s my story when I go to Europe and I #39 m sticking with it It works for me. You all go ahead and continue to define the meaning of quot is. quot Report Abuse Travelnut on Apr 12 04 at 09 41 AM xyz123 is right-on I work for a bank . Report Abuse Budman on Apr 12 04 at 10 37 AM lt xyz123 is right-on I work for a bank . gt Well do you think that a thief is going to give a rat #39 s arse whether the funds come out of your checking account or from a credit card company The bottom line and point that I #39 m attempting to make is that if you lose your VISA/ATM check card a thief can use it at any merchant that accepts VISA who could care less whether or not it is a VISA or a check card/debit card and could wipe out your checking account. While down the line you could probably get the funds restored to your checking account after the fraud was reported but it would be one hell of an inconvenience don #39 t you think If you lose your ATM card it is virtually worthless without the Pin. Since you work for a bank is this correct Travelnut Report Abuse clevelandbrown on Apr 12 04 at 10 48 AM Certainly there is a lot of loose usage of terms with respect to this matter. The banks don #39 t help either. When I activated my debit card with my local bank their instructions were that I was to select the quot credit quot option when I used the card. I don #39 t understand that but it works. Report Abuse Travelnut on Apr 12 04 at 11 35 AM Very basically you are liable for a stated maximum loss depending on when you report the lost/stolen card or card number. Sometimes even that liability is waived. It is usually $50 for a credit card and can vary among institutions and depend on the elapsed time for a debit/ATM card. I definitely agree that money taken out of your checking account will take more effort /red-tape to get replaced by the bank than having unauthorized charges removed from your credit card account. If you want to use a debit/ATM card for cash advances no cash adv fee like w/credit cards then only leave the minimal amount you might want to spend in the account or even better have a special account just for this purpose so your own bank account will not be disrupted. Or just go for the protection of the credit card and suck up the transaction fees which might be minimized by withdrawing fewer-but-larger amounts . It all amounts to whatever you feel best doing right Budman ClevelandBrown on the POS box you select #39 credit #39 simply so the transaction will not require the PIN. The difference is that the #39 credit #39 transaction is more expensive for the merchant while historically the PIN transaction has been cheaper to process and free for the consumer. Some banks may start or have already started charging the consumer a fee for PIN transactions so consumers will prefer the credit option while the merchant may push for the PIN option. Anyway there are many choices and combinations for how to access funds for travel and to each his own method Report Abuse rkkwan on Apr 12 04 at 12 05 PM Travelnut - I agree with what you said. But I think the merchant actually pays higher fees for debit card than credit card in most occassions. That #39 s part of the basis of Wal-Mart #39 s suit against VISA/Mastercard. VISA/MC wants all merchants to take both debit and credit cards with their logos but Wal-Mart wants to take only credit cards and not debit cards because of the higher fees charged by VISA/MC for debit card transactions. At least that #39 s the way I understand it. Report Abuse Budman on Apr 12 04 at 01 03 PM lt It all amounts to whatever you feel best doing right Budman gt Yupper The main reason I have posted on this link is to help educate some travelers as this forum has helped to educate me. I #39 m going to Ireland next month and my main source of cash will be my ATM card drawing against my checking account because most of the B amp B #39 s that I am staying at prefer cash Euros and for other misc entrance fees and expenses that I cannot use my regular credit card for. Since my current ATM Card can also be used as a VISA I would have hated to lose it and have someone wipe out my checking account along with the cash reserve. For this reason I am going to cancel the VISA portion before I depart on my trip and only have it as an ATM card. If it is lost/stolen my account can #39 t be accessed without the Pin. I don #39 t pay any fees for the use of any of my credit/debit cards. I closed those fee accounts for that very reason. When I get my statements and if in fact a 1% transaction fee is wrapped into the exchange rate it is not visible to me as it appears that I have gotten very close to the current market rate. Report Abuse Joelleinitaly04 on Apr 12 04 at 02 42 PM Back to the original question which was how to get Euros not quot Shout I get euros quot - If you belong to triple AAA they will sell you Euros without a fee. I have an apt in Italy and they want the cash up front and I don #39 t want to go around to different ATMS so I plan to travel with a wad of Euros in my neck pouch... Joelle Report Abuse xyz123 on Apr 12 04 at 02 53 PM Not to jump all over the previous poster if you have to you have to for things like apartments which don #39 t take cc #39 s and want cash but do understand when a company such as AAA says there is no fee the fee is hidden of course in the exchange rate. As of Friday the Euro was trading at euro 1=$1.208 US. As cc #39 s and ATM #39 s mark up with a 1% surcharge on everything the best you would do would be euro 1=$1.22. With some bank cards charging extra fees it could go as high as euro 1=$1.243 or thereabouts. AAA might you can call them charge you in the vicinity of $1.32 which is where the fee is. But aqgain if you have to you have to. Report Abuse Christina on Apr 12 04 at 02 59 PM Actually the original question was more than that and did have a question about quot the best/cheapest solution quot in reference to euros in US/ATMs/credit cards. Any bank will probably charge you some fee to get you a check made in euro if they will. I have gotten some at a currency exchange service Travelex. They charge a lot also but if you have to for some large payment you have to mine was school tuition and room/board so the fixed fee wasn #39 t so bad in comparison . Their are various places online to get currency Chase is one I think and you can find them with a few words in a Google search. The answer to the original question was that getting euros in Europe is going to be cheaper than getting them in the US regardless of method. I belong to AAA and they do charge a fee for foreign currency it #39 s in the rate they quote. They don #39 t do anything for free. I know because I #39 m a AAA member and have compared their conversion rates to the bank rate. Report Abuse AnneO on Apr 12 04 at 10 57 PM On the debit vs. credit option on your ATM card... The merchant pays a fee for accepting either a credit card or a debit card. If they accept a debit card they will pay less for a PIN-based debit than a signature-based debit otherwise known as quot the credit option . From a customer point there is no charge for using a debit card whether it is signature based or PIN based. The difference is usually in the liability you have. You are usually responsible for all charges done with a PIN but your liability is limited to a max of $50 if it is signature based. The concept is that you had to give someone your PIN or were incredibly careless so you are responsible. Many banks waive the liability for credit-based to zero and a good bank will give you immediate provisional credit if you report a stolen/lost card. The Walmart suit was about the different fees for PIN or signature based and now they can refuse signature-based debit transactions so they only take PIN based which has lower fees . Did that muddy the waters any Anne Report Abuse Joelleinitaly04 on Apr 12 04 at 11 06 PM okay somebody quot splain quot this to me in REALLY simple math challenged way... When I go to an online currency converter as of tonight 1 euro = 1.20 US Now I #39 m assuming you aren #39 t going to get that pure rate anywhere even from an atm. So the cheapest I figure I can get it now in the US is 1.30. that #39 s AAA but I didn #39 t see anything better from a bank or online exchange So can someone tell me about what kind of a rate you can get from an ATM I need about 1100 Euro for my apt in Rome and I #39 m really more nervous about trying to collect that much from ATMs than just carrying it close to my heart but if someone can convince me in REAL simple terms that I will save A LOT of money like more than $100 I might be pursuaded... Report Abuse rkkwan on Apr 12 04 at 11 18 PM Joelleinitaly - xyz123 has answered your question in an above post. Most ATM cards but not all charge a 1% fee so the rate you #39 ll get is about 1.212 if the official rate is 1.200. 1 100 euros at 1.212 is US$1333.2. If you get a rate of 1.300 then 1 100 euro will cost you $1430. So you lose about US$97. Report Abuse Joelleinitaly04 on Apr 12 04 at 11 26 PM Okay. Thank you for your patience. When I took math I always had to have the teacher quot splain quot it to me more than once. It just sounds hard to get a straight answer from the bank if the fee really is only 1%. I live in smallville and when I had to wire my deposit it was the first time they had ever wired money internationally so you can see why I #39 m not real confident about what they tell me. Joelle Report Abuse merrymice on Apr 12 04 at 11 43 PM I learned alot about debt and CC thanks. Here #39 s our story We generally stay in small hotels that only take cash. We found it was very difficult to gather 800 euros from ATMs to pay our hotel bill in Paris. This time we are taking TC in euros to cover our hotel bills. BTW even in Los Angeles it was difficult to get euros we needed to send a deposit to hold a hotel room . We found our AAA did not have TC in euros but we could get them at an excellent rate from American Express Travel bring cash or an AX card . Also we and everyone else had alot of trouble in Costa Rica accessing ATMs. It was a real bummer going to the bank to get a credit card advance. If you are going to be dealing alot in a cash culture I would be weary of just relying on ATMs. Also if we were having fun everyday we had to run to the ATM to get more money. I was always thinking about my next withdrawal. So now we mix it up. A little cash some TC credit card and atm card. We charge everything that we can and sleep well knowing that we can always play and pay. Report Abuse SeaUrchin on Apr 13 04 at 03 27 AM For me the wisest way is to take enough euro from my AAA in USA to cover my cash expenses for the first day or two then get the rest by collecting the highest limit at a local ATM as I need it. When I am jet lagged and exhausted and looking for my driver the last thing I want to do is linger at the airport looking for a working ATM w/o all the people who just grabbed their luggage before me waiting to use it. This theory has worked for me for the last few years if I am spending alot of money on a vacation trip a few extra dollars to the AAA doesn #39 t bother me. Also here in LA a few B of A #39 s carry euro dollars on hand or they can order them for you. Report Abuse xyz123 on Apr 13 04 at 07 23 AM SealUrchin...question... How do manyh B of A branches carry Euro dollars on hand when there is no such thing Just asking. Report Abuse SeaUrchin on Apr 13 04 at 01 30 PM Well whatever they are called I was sure a world traveler would get my point if that is what you are referring to. Report Abuse Budman on Apr 13 04 at 04 08 PM McAudie to answer your original question I happened to be near an AAA Travel Office and inquired. You could buy Euro Travelers Checks for their current daily rate without any fees. Their current daily rate as of today at the office I went to was $1.30 for 1 Euro. The international exchange rate is about 1.20 rounded off . If you wanted to buy just Euros that AAA Office had packets of 78 Euros for $118.00. That comes to about $1.51 per Euro. SeaUrchin - I knew exactly what you meant. Report Abuse l_jackson95814 on Apr 13 04 at 04 40 PM I just picked up Euro #39 s today at Thomas Cook. I was in and out in 10 minutes. One thing that sold me on Thomas Cook is that they will buy back up to the amount you purchase at the same rate for 30 days. 60 Replies Back to top Add a Reply Sign in to comment. 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X var login_params= { useHTML 'true' showTermsLink 'false' hideGigyaLink 'true' height 35 width 75 containerID 'componentDiv' UIConfig ' Man Vs. Debt Sell your crap. Pay off your debt. Do what you love. Home About Our Finances Everything We Own Store Meet Us On Tour Subscribe LinkedIn Twitter Facebook Connect 125 Bend Over #8230 I #8217 ll Show You Where You Can Stick Your #8216 Rewards #8217 . in Money Basics Pay Off Your Debt Rants small-share-box align="right" I #8217 ve had it. I #8217 m going to lose it if I hear one more person say #8220 Well #8230 if you aren #8217 t responsible with credit cards then obviously you should cancel them. #8221 Or #8220 If you can #8217 t control yourself then it makes sense to get rid of your credit cards . #8221 I #8217 m sick of people implying that irresponsibility is the only justification for rejecting credit cards. It #8217 s not. Purging credit cards from your life has many tangible benefits. In the very first week of this blog I wrote a post detailing the specific benefits and drawbacks to canceling credit cards . Since then I #8217 ve outlined the different mental associations I have when spending on credit debit and cash respectively. I #8217 ve even challenged you to be aware of your own spending patterns when using different methods of payment. But none of this is what I want to focus on today. We could debate minutia all day long but these aren #8217 t the real reasons Courtney and I choose to live without credit cards. Feeding on the vulnerable For me the credit card industry is on the same level with the gambling and tobacco industries. I don #8217 t mind the rare celebratory cigar nor do I object to mindfully spending some of the entertainment budget at a casino. However the blunt truth is all three of these industries derive a large percentage of their profits from a select group of people who are caught up in destructive cyclical habits . They feed off their respective junkies. Look I #8217 m a firm believer in personal responsibility. In all three cases it #8217 s on the individual to take back control of their lives. But in the meanwhile this doesn #8217 t give us a blank slate to support the companies and industries whom derive value from keeping them trapped. The nature of capitalism gives these companies the ability to profit immensely off of those in vulnerable positions even if they put themselves there . But the real beauty is that this same capitalism allows me to tell credit card companies to shove it. We all get the choice to opt-out. I #8217 m not bold enough to say that everyone who uses a credit card contributes to the problem. While there is certainly a case I #8217 m not yet convinced the issue is that cut and dry. In my own life though I #8217 m not willing to take the chance. I have control over my actions. I choose what industries products and services I take part in. Credit cards will never be one of them. If I don #8217 t have to be a part of that industry I won #8217 t. It #8217 s that simple. I #8217 m a vegetarian #8230 I don #8217 t eat meat. Why There is no single answer. I #8217 m vegetarian in part because of statistics on global sustainability. I #8217 m a vegetarian in part because I believe the lifestyle has long-term health benefits. I #8217 m a vegetarian in part because a portion of the meat industry treats animals like shit. There was no straw that broke my back more than another. One day several years ago I just realized I had a choice. I could choose to have a more sustainable less cruel and healthier lifestyle. So I did. Do I miss out on some potential benefits from consuming meat You betcha. Removing meat doesn #8217 t automatically make you some beacon of health. I #8217 m living proof you can be a fat out-of-shape vegetarian. The choice is not always easy and it #8217 s not always convenient. But in the end this lifestyle decision fits snugly within my value system and reinforces what I believe to be positive long-term behavior. What more can we ask for in life You know one thing I #8217 ve never had anyone say to me Nobody #8217 s ever quipped #8220 If you can #8217 t eat meat responsibility then I guess it makes sense to be a vegetarian. #8221 That #8217 s what I don #8217 t get. Are the two lifestyle decisions really that different Think about it. In my life they mirror each other flawlessly. Responsibility isn #8217 t the trigger in these lifestyle decisions. It #8217 s about living consistently within your values. I #8217 m getting ready to quote myself #8230 As I was thumbing through some of my old articles on this issue one passage really stood out to me. I thought it summarized an important point I wanted to reiterate. In the post 3 Habits of Highly-Responsible Credit Card Users I wrote the following When it comes to games I have some previous experience. I’ve traveled the country playing video games for money. I’ve played collective card games with rooms full of the best in the world. I spent years dealing playing and hosting poker tournaments for hundreds of people nightly. It is no secret I have a killer gaming instinct. I go for the throat. I exploit loopholes. I’m one of those people. Over the years though I’ve learn two very important lessons the hard way Don’t try to beat someone at their own game. It’s not impossible to beat people who’ve spent their whole lives studying a specific game but it’s rare to have consistent long-term success. Even if you are able to obtain a string of consistent wins often times the price you’ve paid isn’t worth it. If I have to spend 16 hours a day studying backgammon to beat you consistently we better be playing for some major keeps. My time is much better spent finding suckers to play my own game than studying to beat you at yours. No matter how often you win eventually you have to enjoy your opponent. Sure winning is fun. At first beating the annoying fat kid out of his lunch money might be worth it. But after the tenth time you’d rather break the lunch tray over your head than play him again. Suddenly his $2 isn’t worth your time. Yeah you’d play him for $10 a game but he’s fat. He spends most of his money on food before offering to play you. At some point during our financial turnaround I realized that the fat annoying kids that run the credit card companies have been playing this game for a long time. Sitting in the back of the lunch room and flipping them the bird feels more liberating than you can imagine. I used to play just to win. But I realized that despite what your high school football coach told you winning isn #8217 t everything. It #8217 s not always fulfilling. The longer I live the more it #8217 s not about winning the game but about enjoying playing it. This recent realization is all the #8216 reward #8217 I need. I #8217 m not interested in the bonuses or points you are offering. Your Jedi mind tricks won #8217 t work on me. You #8217 ve read what I have to say. Now the megaphone is yours. I #8217 m looking forward to hearing your thoughts below. Enjoy reading this post Get fresh Man Vs. Debt updates delivered straight to your inbox Name Email Related Posts January Transparency Income Expenses #038 RV Costs 33 Ways To Thwart Identity Theft 49 Reasons You Make Less Hourly Than You Think Is Your Credit Card A Tool #8230 Or Are You Simplifying Simplicity With Five Simple Questions { 100 comments #8230 read them below or add one } Matt Jabs October 5 2009 at 9 44 AM #8220 #8230 these industries derive a large percentage of their profits from a select group of people who are caught up in destructive cyclical habits. They feed off their respective junkies. #8221 You have hit on the exact same topic that I have just come to realize. It #8217 s funny because over the weekend I shredded all my old cards that I recently paid off and am closing the accounts today. Those who read my blog know that I wrote several articles last week engaging readers on the topic of paying off and properly using credit cards. What did the majority of my polled users say 51% said #8220 Close #8216 em shred #8216 em and forget #8216 em #8221 33% said #8220 Risk fees leverage rewards and laugh all the way to the bank #8221 16% said #8220 Shred #8216 em but leave open and risk fees in hope of increased FICO score #8221 What am I going to do Mostly for the reasons outlined here in your post I chose to follow DFA readers and Close #8216 em shred #8216 em and forget #8216 em .-= Matt Jabs #180 s last blog .. Wise Use of Paid off Credit Cards You Decide. =-. Reply Baker October 5 2009 at 10 02 AM Matt we made the same decision last December and are loving it. There #8217 s just so much peace of mind knowing that we don #8217 t have to worry about erroneous fees changes of service or identity theft on those particular cards. I know you #8217 ll love it too. Reply MoneyEnergy October 5 2009 at 1 24 PM Nice to hear someone else taking an ethical stand in regard to finances #8211 putting credit card companies on the same level as tobacco and gambling etc. #8211 and realizing they prey on the vulnerable. I agree. Personal responsibility and individual success or failures don #8217 t lie in a vaccuum. There are always broader structures at work which contribute to it. Also it seems that the credit card industry in the U.S. in particular is particularly venomous and predatory this way #8211 I #8217 ve had very different experiences now that I #8217 ve got a U.S. credit card. So I completely see your position I will probably never go credit-card free but this is also not because I use my credit cards for rewards #8211 I don #8217 t. .-= MoneyEnergy #180 s last blog .. Will the September Correction Come in October =-. Reply Mr. Not the Jet Set October 6 2009 at 8 09 PM Congrats on taking the plunge Matt I #8217 m glad you took the challenge seriously and I #8217 m definitely interested to hear about your experience going forward. Like Baker we haven #8217 t missed credit cards once. In fact we just told our story to our FPU class before they shredded 39 cards this past Sunday. 39 trouble makers off the street. .-= Mr. Not the Jet Set #180 s last blog .. Save Money #8211 Raise Chickens =-. Reply kosmo @ The Casual Observer October 5 2009 at 9 54 AM We have started to use our cards for almost everything. It started years ago with a gas card that paid 5% rewards. Now we have another card that pays 1% back on everything and 2% back on weekend purchases when we tend to make our weekly shopping trips . My commute is a 70 mile round trip so the gas rebates add up in a big hurry. The other rebates also add up quickly. Easily hundreds of dollars a year. Of course it is important that you don #8217 t abuse the cards. We pay off the entire balance every month I don #8217 t think I have carried a balance since 1998 and we make sure that the cards don #8217 t result in a change to our purchasing habits. Our logic is that if we #8217 re going to the store to buy Pampers we may as well get cash back. To each their own. .-= kosmo @ The Casual Observer #180 s last blog .. Down to the Wire =-. Reply Baker October 5 2009 at 10 08 AM Kosmo I definitely understand your approach. In this article I was trying to convey that for me getting cash back on Pampers is not worth associating myself with the industry itself. Obviously some may not care one way or another. Reply Credit Card Chaser October 5 2009 at 3 28 PM The question is how far will you go to attempt to disassociate yourself from the credit card industry Will you refuse a Visa/MasterCard backed credit card Will you refuse to let someone buy you dinner if they use a credit card Just kidding I personally think I would not be a good manager of my money to NOT use my cash back credit card for purchases but to each his own. .-= Credit Card Chaser #180 s last blog .. Stop Paying Full Price Use Your 1% – 5% Cash Back Credit Card =-. Reply Baker October 5 2009 at 9 06 PM Obviously each person has to choose in there own life how #8216 extreme #8217 to be. Not personally contributing to the industry with my on credit card is an easy choice. It #8217 s one I can make now and is fully in my control. However right now I have very few options not to use a Visa Debit Card for example. If those options present themselves I #8217 m be very open to trying them Reply Kyle October 5 2009 at 9 56 AM Really if you think about what use are those points anyway. I currently have a $20 000 set of pots and pans. Yes I said $20k. That is how many points it cost me to get them I am pretty sure it wasn #8217 t worth the danger of having a card just to get some pots and pans. .-= Kyle #180 s last blog .. Freeganism – Extreme Frugality or Extremely Crazy =-. Reply Baker October 5 2009 at 10 09 AM Woah at least you #8217 ll want to use them Get your money #8217 s worth. Reply Karen October 5 2009 at 10 12 AM We have one cc for personal one for business. Both get paid in full at the end of the month. The business cc points are used for credit toward the cc bill each 5 000 in points nets $50 toward the bill and the personal cc points are used toward airfare for our yearly vacation. As Kosmo stated if you #8217 re going to use gas food cell phone etc. you might as well get something back for it. Yet even I have to admit that it is sometimes easier to make a purchase when you don #8217 t have to pull the cash out of your pocket. Still I wonder what effect not having credit cards has on your credit rating. I #8217 m still debating this in my own mind. Not sure I #8217 m ready to give up the convenience yet. Reply Gordie Rogers October 5 2009 at 10 24 AM Credit cards can also lead to higher prices in general because companies that use them have to pay fees too. I remember years ago in New Zealand a major supermarket chain stopped accepting credit cards and then lowered their prices. They became the cheapest supermarket chain in the country as a result. Interesting. .-= Gordie Rogers #180 s last blog .. The Lifestyle Design Anthem “My Way”. =-. Reply Baker October 5 2009 at 10 40 AM Wow that #8217 s interesting. I don #8217 t think I #8217 ve heard a story of a major company who had success with this in the states. It would be cool to look more into this situation. Reply Colin Wright October 5 2009 at 11 43 AM ARCO gas station in Los Angeles at least don #8217 t accept credit cards and if you want to use a debit card you have to use this wonky usually-not-working machine out by the gas pumps. It #8217 s ridiculously inefficient and rarely would I have enough cash lying around to make use of it but their gas was always quite a bit cheaper than everyone else. .-= Colin Wright #180 s last blog .. You’ll Never Be Philosophically Fulfilled and That’s Okay =-. Reply Baker October 5 2009 at 9 07 PM There are a lot of gas stations in the Midwest that either don #8217 t accept credit cards or offer discounted gas for cash buyers too. Reply James Schipper November 16 2010 at 4 07 PM That used to be common all over Southern California too. I don #8217 t know why they changed it the discount for cash at gas stations but it was pretty common up until about 20 years ago or so. Reply JoeTaxpayer October 5 2009 at 10 31 AM As always you #8217 ve put an interesting spin on an old topic and got me thinking. When you compare it to a moral decision such as vegetarianism you really change the discussion. I agree that the credit card issuers take advantage of people and the temptation does more harm than good. In the old days American Express wasn #8217 t a credit card as all payment were due in full when you got the bill. I respect your view on this issue as well as how you choose to eat. Still I remain in the camp with Cosmo. It may be a matter of scale but for the dollars we run through the cards I #8217 d be walking away from too much. With both my wife and me driving the gas rebate of 5% adds up fast. The 2% back into Jane 2.0 #8242 s 529 account is free money $8000 so far and since this is tax free it would take $12K to earn this . This is more than just pennies and with 10 years to go till her senior year it may very well be a full semester free. This is what has created my own view on the subject. Of course those in a different situation may not see a fraction of this. Glad to read you today Joe Reply Baker October 5 2009 at 10 39 AM Joe thanks for the great comment. You really connect with the point of the post even if you choose a different route. I appreciate that I do admit this has a lot to do with the amount of average spending and thus average rewards. Right now Courtney and I would come nowhere close to the numbers you #8217 ve outlined so our decision is made a bit easier. If our situation was closer to yours there #8217 s no way to say for sure what we would prioritize at that point. Good discussion. Reply Jason D Barr October 5 2009 at 11 37 AM Way to stir the pot Baker. Lovin #8217 it. That being said does this really have #8220 a lot to do with the amount of average spending and thus average rewards #8221 If wrong is wrong you might need to stand up for what you believe in and forego some benefits to yourself as a result. Obviously not everyone is going to have the same opinion you do on cards but for you personally don #8217 t you feel it would be selling out to get a card just because you were going to rack up a ton of miles or points or whatever Be willing to stick with your convictions no matter what the cost. .-= Jason D Barr #180 s last blog .. What’s The Problem With Goals =-. Reply Baker October 5 2009 at 11 21 PM It would be nice if it worked that way but it doesn #8217 t always. While there are some things I would NEVER do for any amount of money this isn #8217 t one of them. Can I sit here and say I wouldn #8217 t use credit cards if they gave 50% cash back No I #8217 m not sure. It would depend on several things. Either way it #8217 s not black/white. Reply Jeff October 5 2009 at 10 35 AM Great article. Im glad that you mentioned sustainability in regards to your reasons to become a vegetarian and the parallels that you drew between the two things. Why is it that those who are vulnerable gamblers tobacco users credit card users demand protection from their own habits They can tell the their respective vices to shove it and begin to construct a life that #8217 s free from their destructive habits OR they can beg for protections from themselves. They ask for regulation on credit card fees interest rate changes locations of gambling establishments and ingredient content for cigarettes. Yet you have made the choice to be a vegetarian and are not looking for the same protections from your eggplant. Bottom line is this If the credit card or meat industry was a person and it acted like it does currently would you be friends with it hang out on your off time or let it borrow money My guess is the answer is no. .-= Jeff #180 s last blog .. Friday Links – Glee Edition =-. Reply Baker October 5 2009 at 10 42 AM #8220 Bottom line is this If the credit card or meat industry was a person and it acted like it does currently would you be friends with it hang out on your off time or let it borrow money #8221 Wow I need to hire you to write my conclusions. This is an awesome way of viewing this argument and one I will surely steal in the future. I love it Reply Jason Wier October 5 2009 at 11 27 AM Here is the thing for me. I am in the same boat as many of you. I have had a credit card since I started college in 1992. I have never carried a balance. I have made much money off rewards. I have decided that I do not want the liability if something would happen. I do not want to live a month in the past a month behind financially. I do not want to live in bond of liability. I like my freedom to shop at local stores that I like and use cash. I reward them with cash and not the use of plastic. I do not mind one bit to be free. I do not spend for rewards. I do not live with liability to have rewards. I do not extend my risk for a small reward. I feel honest and real. .-= Jason Wier #180 s last blog .. Contentment Set Sail =-. Reply Baker October 5 2009 at 11 22 PM Love it Thanks for sharing your passionate experience. It #8217 s right on the money for me. Reply CC October 5 2009 at 11 34 AM Adam I #8217 ve only started reading your blog recently but I #8217 m already loving the unique voice you use in your posts. Especially today #8211 it is so refreshing to hear an argument about credit cards that does not focus on people being irresponsible. I use credit cards for everything and I have never paid a dime to the credit card company. I have never paid a finance charge an annual fee or any interest and in return I get a free 30-day loan and 1-2% cash back on all my purchases. It works for me and I get annoyed when people preach the evils of credit cards assuming that they are a dangerous temptation to everyone who uses them. You have put a different spin on things and reminded me that it #8217 s not always about temptation #8211 it #8217 s also about supporting the companies who thrive on the temptation. Knowing the evils of the meat industry has not made me give up burgers but I respect people who have. Knowing the evils of the credit industry has not made me cut up my credit cards but I can see why people would. You #8217 ve given me something to think about. Even though I am not a vegetarian I can respect people who don #8217 t eat meat #8211 as long as they don #8217 t expect me to make the same choice. Reply Baker October 5 2009 at 11 24 PM It #8217 s awesome to hear that even thought you choose a different option in your own like that you are open and willing to read and join the discussion. I love that I could give you something to think about even if ultimately it doesn #8217 t change the specific stance. It #8217 s the thinking and exploring that key to me. Reply Eric J. Nisall October 5 2009 at 11 38 AM I am all for everyone choosing what works best for them because it means that you at the very least have examined your situation and made a decision plain and simple. But at the same time as much as you laud a credit-card-free life I do the opposite simply because I do believe as much as anything that they can be a great tool. Of course I also have my issues with the industry but overall I enjoy my cards. Seeing Jeff #8217 s quote makes me think of all of those surveys that try to make products and companies into #8220 people #8221 and analyze their characteristics. I totally disagree. I have friends who are great people but make lousy decisions regarding finances and other people but I wouldn #8217 t not be friends with them because of those things. I also know some people who are very selfish and put themselves first but at the same time are knowledgable about certain things. The real bottom line is that you make a decision that is best for you and your family and that is really who you need to be thinking about when those choices are made. Reply Baker October 5 2009 at 11 27 PM I think you #8217 ve actually swapped the importance of those two parties. For me family is the group that you accept unconditionally. You can choose who your close friends are and who you hang-around etc #8230 And for me it #8217 s this sect of my life that draws parallels to this discussion. Reply Colin Wright October 5 2009 at 11 51 AM I feel like someone should weigh in on the other side of things even if it is with severe reservations devil #8217 s advocate you know . I personally have used my credit card to buy everything for years. The benefits have been pretty huge in that I could buy ebooks from Amazon with one click from my iPhone cheaper than I would get tangible versions in stores any electronics I purchased with the CC would have an extra year #8217 s worth of warranty any travel plans I make have insurance included yadda yadda yadda Ramit Sethi has a great post outlining all the hidden perks here . All the while too I #8217 ve built up my credit so that at 24 last time I checked anyway I #8217 ve got about an 800 FICO score and if I ever need it doubtful #8230 will explain in a minute it #8217 s there. All that being said I also don #8217 t buy things I can #8217 t afford. I pay off my credit card bill on time every time and I #8217 m not a big spender by any means I #8217 m more of a minimalist which helps quite a bit . Has using a card been good for me Yes. If nothing else just having a paper trail that allows me to throw away receipts and not worry about them when it comes time to pay taxes is worth it to me all by itself. Do I approve of the industry and its tactics Hell no. It #8217 s like the fact food industry or oil industry or any other industry that has fallen under the sway of the Iron Law of Oligarchy those in power will do everything they can to keep that power and to get more power and there #8217 s no turning back when a person or industry reaches that point. I #8217 m convinced there will be a big changeover in how credit works in the near-future simply because it doesn #8217 t seem to be sustainable any more. Will this suck for me Maybe #8230 I actually haven #8217 t used my card except for ebooks since I left the US so it #8217 s hard to say whether or not I #8217 ll get back into that habit if and when I return to the States. Will it be good for the majority of people in the world God I hope so. I mean it couldn #8217 t really be any worse #8230 .-= Colin Wright #180 s last blog .. You’ll Never Be Philosophically Fulfilled and That’s Okay =-. Reply Baker October 5 2009 at 11 31 PM This particular post wasn #8217 t about whether credit cards have been good to *me* or to *you*. While I #8217 m willing to debate the specific pros and cons in other places I #8217 m more focused on whether you believe there is a moral issue here. Do you view the industry as a positive one Is the #8216 unsustainability #8217 enough for you to opt-out as a minimalist The specific answer of my situation or your situation matter not nearly as much as bringing up the discussion in general. Reply H Lee D October 5 2009 at 12 07 PM I completely agree that the cc industry is complete slime. I am also vegetarian. However the banks are slime too. So are the majority of corporations that produce other goods and services. Everything in corporate America is looking to prey on the weakest people — weakest for whatever they #8217 re looking to make a buck on. So I opt out of what I feel able. I don #8217 t eat meat. I don #8217 t watch TV. I don #8217 t shop at Wal-Mart or Sam #8217 s Club. I don #8217 t eat at national chain restaurants as a rule won #8217 t go into exceptions here . But I also don #8217 t feel comfortable with carrying more than $10-20 on me at a time so I use my credit card to pay for just about everything. I/we keep a budget and stick to it pay it off every month on time etc. I know that #8217 s not your point. That said credit cards are the only consumerist thing that I can think of off-hand that the responsible people can tangibly benefit from the irresponsible people. I don #8217 t get anything for continuing to pay for my house though the current trend is not to whether you are able to or not . Well except to keep my house #8230 but it turned out to have some major problems and I don #8217 t consider keeping it to be a prize #8230 And ARCO everywhere doesn #8217 t take credit cards — and they are cheaper than other stations by 3-4 cents around here. Reply Baker October 5 2009 at 11 35 PM You bring up a lot of interesting points. Actually going back through everything you #8217 ve stated I #8217 m actually really surprised you DO use credit cards. As for not carrying cash why not use debit card Or are the rewards themselves the difference maker Reply H Lee D October 5 2009 at 11 59 PM We get rewards on our card but we don #8217 t typically spend enough to make it a pressing issue one way or the other. I don #8217 t want to casually use anything that #8217 s tied directly to my bank account. It feels like playing with fire to me. If something happens with my credit card number it #8217 s a PITA to deal with but while it #8217 s being dealt with I #8217 m not out anything this has happened to me once . If something happens with my debit card besides that I am instantly missing money checks can bounce causing fees not only from my bank which I assume would be reversed through the course of fixing things but from the places that the checks were written to. No I don #8217 t write all that many checks — I prefer to use my credit card because it doesn #8217 t have my account number and routing number on it. I really am just more comfortable being the middle man between my bank account and the rest of the world. If given the cash/debit choice I #8217 d choose cash. Reply Nicole October 5 2009 at 12 44 PM Great post I #8217 m new reader btw and loving your blog . I #8217 ve been living without credit since I declared bankruptcy half a year ago disclaimer I am not a reckless spender I #8217 m a single mom and a student struggling with high cost of living #8230 and I do not miss the cards #8212 or associated debt #8212 one bit. I was one of those people who got lulled into the empty promises of easy credit #8220 don #8217 t worry you can pay it off later #8230 #8221 In principle I agree that credit card companies are up there with the worst most predatory aspects of consumer capitalism #8212 like factory farms they are morally reprehensible and I want nothing to do with them. But I have a two-fold question Is there any such thing as good credit I mean I have no problem eating ethically raised non-medicated local meat #8212 so what about a secured Visa from my local credit union and second How do you pay for things like PocketSmith without using a credit card I love the program and would like to use it #8212 but I can #8217 t because I don #8217 t have a credit card .-= Nicole #180 s last blog .. Rethinking twitter =-. Reply Baker October 5 2009 at 11 38 PM Nicole anything like PocketSmith I just use my debit card. A debit card with a Visa/MC works the same way in 99.9% of situations. Unfortunately if you don #8217 t have a debit card of that nature it might be tough. Debit cards aren #8217 t perfect but they are certainly a lesser evil in my book. Ultimately it would be nice to just have automatic transfers digital for everything like this. At least in my book. Reply Jon October 5 2009 at 12 45 PM I believe credit cards are killing our country and particularly the lower class. For that reason I don #8217 t support them. I get the same benefits of purchase protection on my debit card when I use it as credit #8230 I #8217 m afraid that for some of you that pay your card off each month one of these days something will happen one day so that you won #8217 t be able to pay it off and down the hole you go #8230 Of course it #8217 s always up to you on how much risk you are willing to accept but for me and my house we #8217 re credit card free #8230 We also happen to be vegetarian #8230 .-= Jon #180 s last blog .. What It’s All About =-. Reply Baker October 5 2009 at 11 38 PM Amen. Reply Tyler Karaszewski October 5 2009 at 1 32 PM I haven #8217 t had or used a credit card in five years or so. My life is going *just fine*. What more justification do I need than that I don #8217 t ask other people why they don #8217 t have/use the things that I do. I figure it #8217 s obvious why I own three surfboards and you don #8217 t have any #8212 because you don #8217 t need and wouldn #8217 t use them. Why isn #8217 t the same true for credit cards People seem to find it incomprehensible when others live differently from themselves. This seems most true of people who spend all their time in very homogenous cultures these tend to be people who don #8217 t live in big cities or travel often . Everyone around them for example drives cars everywhere. They meet you and hear about how you don #8217 t own a car they #8217 re amazed they say they could never live that way. But you live in New York City and they have no idea what it #8217 s like to live in NYC so they assume they couldn #8217 t get by without a car because that #8217 s all they #8217 ve known. If they spent a year in NYC they #8217 d have a new appreciation for what you can do without a car. If they spent a year without credit cards they #8217 d realize they didn #8217 t even miss them. If they spent a year without a television they #8217 d stop offering to give one to others who #8217 ve chosen to live without this happens more often than you #8217 d think . I agree with Baker #8212 credit card companies can stick it where the sun doesn #8217 t shine. Not for his reasons though #8212 just because I don #8217 t need them. They might as well be a #8220 ShamWow® #8221 or #8220 Snuggie™ #8221 or some other piece of consumer junk that I neither need nor want. Why *wouldn #8217 t* I go without .-= Tyler Karaszewski #180 s last blog .. Summer Update =-. Reply Baker October 5 2009 at 11 42 PM Wow awesome comment. Seriously. I can relate 100% to your car comparison as we #8217 ve been traveling and living in Auckland fairly big city without one recently. It #8217 s actually much more of an inconvenience to have a car downtown than it is to live car-free. #8220 Why wouldn #8217 t I go without them #8221 That #8217 s the question for me too. Often times people point to the rewards obviously that why I wrote this but for me there simply isn #8217 t the justification. Although we have different reasons the result is still the same. Don #8217 t need. Don #8217 t want. Reply Nea Self Improvement Saga October 5 2009 at 1 52 PM This was such a great article. I honestly hadn #8217 t thought about it from this perspective. I #8217 m really avid about avoiding credit cards. I had a ton of debt to pay off and I #8217 m down to one last freaking card. There are so so so many reasons that I feel the way that I do about this issue but I just hadn #8217 t considered how my decision to cut up the credit cards fits with the general principles of my life. Thanks a ton for this article. You #8217 ve given me a whole new way of looking at this. Great blog by the way. .-= Nea Self Improvement Saga #180 s last blog .. 6 Ways to Escape Your Regrets =-. Reply Four Pillars October 5 2009 at 2 54 PM I love my credit card. Next time I buy a big juicy steak I #8217 ll charge it in your honor. .-= Four Pillars #180 s last blog .. Support American Cancer Society – The Big Bundle =-. Reply Baker October 5 2009 at 11 48 PM Reply Kevin M October 5 2009 at 4 17 PM Good for you Baker for taking a stand and providing tangible reasons why you do so. I agree some of the tactics used in this industry are unsavory but such is life in a capitalist society. While you look at this issue on a macro level I look at it micro-economically. I won #8217 t do business with a company that has wronged me or someone I know personally. My wife and I use credit cards for just about everything because it simplifies our financial life and gives us a little cash back every couple months to boot. It #8217 s just another tool for us nothing more nothing less. But we are responsible users and always pay it off. I do have one question though #8211 do you go one step further and refuse to bank with any institution that issues credit cards What about debit cards with a Visa or Mastercard logo Reply Baker October 5 2009 at 11 50 PM I tend to do a little of both macro and micro. I #8217 m fairly loyal to business and passionate about the ones I choose to interact with too. While I #8217 d like to take it a step further I haven #8217 t found an alternative. Debit cards are a lesser evil at this point for some required expenses. I #8217 d like to move to direct transfers using online banking as much as possible. Even with that though there is still always going to be something more you could do. For me credit cards are the worst of the commonly used #8216 tools #8217 in this regard. It #8217 s an easy choice to eliminate them. Reply Nancy L. October 6 2009 at 6 26 AM First I have to say that I admire you for putting your beliefs into action. Many people can talk the talk but few walk the walk if you kwim. Like Kevin I am also more likely to make my ethical decisions based on a micro level-partially because there are so many challenges with sorting out all of the connections within global corporations at a macro level. That being said I rarely take issue with any company *marketing* a product to consumers. I would much rather have the option available to make choices that others may consider #8220 bad #8221 for me than to have no choice. And I take personal responsibility for the times when I #8217 ve acted out of weakness and done things that were bad for me personally. The credit card companies didn #8217 t force me to make stupid decisions. I did it on my own the same as I did when I got things back under control. That #8217 s not to say that cc companies among others are not beyond reproach or condemnation for some actions. Just that I don #8217 t begrudge them the marketing end of their business. I also think that debit cards are hardly a lesser evil compared to credit cards. They are issued by the same billion dollar corporations as credit cards and the profit generated from their use goes into the exact same pockets. IME my debit card actually was worse due to the methods of accruing fees. When I went over the limit with my CC they denied it for use and charged me one single fee. But debit cards will allow you to keep charging and then will assess you for individual fees for each transaction. I continue to use my CC mostly for business purposes as I do not like to tie up my personal finance to cover expenses that will be reimbursed within a week or two. I prefer using a CC for travel as well as I don #8217 t like holding reservations with cash. Reply Kevin M October 6 2009 at 11 19 AM Great point about letting the consumer have the choice and then accepting the responsibility for making his/her choice. I #8217 ve had problems in the past w/overspending on credit and could easily have sworn off credit cards. But I realized it was my issue not the credit card company and have done a complete 180. Good point about the fees on debit cards too. I just hate putting my debit card info out there at all for fear it #8217 s going to be lost or stolen and I #8217 ll have a big mess on my hands trying to fix my checking account. Also the reason I don #8217 t carry cash #8211 I don #8217 t want to lose it. There #8217 s no 800 number to call for lost cash. Reply Neal@Wealth Pilgrim October 5 2009 at 5 58 PM Adam I have to admit that you make some great points but I personally LOVE using my credit cards I take tremendous and fiendish delight every time I use it knowing I pay my balances monthly. The company has to pay for my float and nothing well #8230 just about nothing makes me happier than sticking it to the credit card man. Do these firms prey on a certain group of people Yes #8230 they likely do. However remember one thing Adam #8230 Credit cards don #8217 t kill credit scores #8230 #8230 people do. When and how are folks going to learn to be responsible In my line of work I see very educated folks with high debt balances and people with no education who really #8220 get it #8221 and don #8217 t have any debt at all. .-= Neal@Wealth Pilgrim #180 s last blog .. Boost Your Retirement Income by 23% By Avoiding These Investment Mistakes =-. Reply Baker October 5 2009 at 11 52 PM Like I said. I #8217 m a huge personal responsibility guy. But still #8230 if they are #8216 prey #8217 -ing on people and you don #8217 t have to be associated with it. Why be a part of it For me the #8216 rewards #8217 aren #8217 t enough. Reply H Lee D October 5 2009 at 6 14 PM @Jon If I have money in the bank have created a budget based on my income and expenses and stick to my budget why would I not be able to pay off my credit card Reply Dave - LifeExcursion October 5 2009 at 6 28 PM You are right Adam. I hate having to argue against societal norms. Unfortunately if you go against the grain you are questioned more often. That definitely is the downside to such lifestyle. I believe the best part about not taking on the credit cards is the freedom from the almighty MAN taking my wealth once a month. Good article and title. Dave LifeExcursion .-= Dave #8211 LifeExcursion #180 s last blog .. A Week on $20 1/2 Success 1/2 Failure =-. Reply South Texas October 5 2009 at 11 12 PM We collect air miles. We pay the card off every month #8230 it still feels dirty though. Reply Baker October 5 2009 at 11 53 PM Get clean then. Reply Foxie CarsxGirl October 5 2009 at 11 27 PM I guess I #8217 m too separated from stuff it just doesn #8217 t really bother me. Maybe it #8217 s me being young maybe I still have too much of the invincibility complex #8230 The car accident we had in July really diminished a lot of that let me tell ya #8230 But I do use credit cards. My husband does not. I can do it and still feel the pain of spending my money he can #8217 t. What works for one doesn #8217 t work for the other and we #8217 re both okay with how we do it. For me I #8217 ve always used a credit card as soon as I got one. On stuff I #8217 d buy anyways to build up my score. Eventually I moved to gas and have done that ever since #8230 And when I got my rewards card I got hooked. Never paid a penny of interest for my cards with an exception for withdrawing cash. Probably one of the stupidest money moves I have *ever* made. Now I #8217 ve started to use it for larger purchases as long as I have the money to pay for it anyhow. Recently I combined cash back from Ebates and my rewards card to earn an effective 4% cash back on a nearly $500 brake purchase from Tire Rack. Would I have spent the money anyhow Yup. But I got a tiny portion back that I can now put towards paying off my other baby. The best part is as you say we each have a choice. I can use my card my husband can choose not to and you can not have them at all Bottom line If you #8217 re an alcoholic trying to stay sober the last thing you do is walk into a bar. .-= Foxie CarsxGirl #180 s last blog .. Car drama happens here too often =-. Reply Luke October 5 2009 at 11 58 PM Baker I am keeping my credit card until I have enough of an emergency fund to get rid of it it really only provides a backup if we need to pay something big like an operation not covered by my insurance. I used to be a credit card warrior taking rewards paying interest buying stuff I didn #8217 t need. Now we pay it off every month and try not to buy anything on it. The ultimate goal is to get rid of it. This year has been a watershed for both NZ and Australia credit cards are now becoming less important with the arrival of a debit card system that matches up with our EFTPOS card no longer do you need to have a credit card to purchase online you can do it from your everyday spending aka #8220 Your Money #8221 with you debit card. Now people can ask the question why do I need a credit card I don #8217 t need it to buy anything over the counter or online so whats the point I hope Orcon have got you up and running Luke .-= Luke #180 s last blog .. Emergency Fund The end of the beginning =-. Reply Jon Griffith October 6 2009 at 1 36 AM Baker I believe that the amount of time that we spend thinking about credit cards is argument enough against them. Credit cards = borrowing. Borrowing is very high risk. While some of you may believe that the rewards are worth the exercise they really aren #8217 t. I keep reading the same misconception over and over again. People say they don #8217 t carry a balance and they pay off their cards at the end of the month. That is technically incorrect and quite dangerous to believe. If you charge $100.00 you carry $100.00 balance until you pay the $100.00. The entire time that $100.00 sits on your account you are at risk. If you lose your job and can #8217 t pay your bill you get bitten by their trap which only causes more problems. If you have the money why not just swipe and sign with your check card That measly 1% isn #8217 t going to make or break you. Add up all of the time you spend screwing around with credit card companies and you #8217 ll probably find more value in eliminating unnecessary risk and you #8217 ll help stop the cycle of abuse. @owingmoneysucks the life out of you. .-= Jon Griffith #180 s last blog .. Clearly We Lack Transparency =-. Reply Credit Card Chaser October 6 2009 at 7 23 PM Respectfully I have a few disagreements #8220 Baker I believe that the amount of time that we spend thinking about credit cards is argument enough against them. #8221 I take it that if a couple thinks long and hard about whether they should have kid s or not then you would just off the cuff tell them that #8220 the amount of time that we spend thinking about is argument enough against them. #8221 As I am typing this I am actually realizing that many people reading this will be quick to chime in that you are true haha #8220 Credit cards = borrowing. Borrowing is very high risk. #8221 If you only borrow money that you already have in the bank then that = no risk #8220 If you lose your job and can’t pay your bill you get bitten by their trap which only causes more problems. #8221 Actually the risk you are describing is not in using credit cards it is the risk of losing your job. Keep in mind that if you only use your credit card up to the amount that you already have in the bank then you just simply pay off the credit card when it is due each month whether you have a job or not. Now if you continue to use the credit card after you have lost your job and you do not have an emergency fund saved up then the actual conclusion you should draw from this is that it is the fault of the cardholder that they didn #8217 t have an emergency fund of money saved up in case they lost their job not that it is somehow the credit card #8217 s fault. #8220 If you have the money why not just swipe and sign with your check card That measly 1% isn’t going to make or break you. #8221 Depending up0n how much one spends every year then that 1% could actually be quite substantial. If the average income in the US is right around $55 000 and the US savings rate is right around 10% then that is still close to $500 every year of free money simply for using a cash back credit card and then setting your credit card to auto pay the balance in full every month from your checking account. It #8217 s not a fortune but hey I certainly wouldn #8217 t refuse a check for $500 every year just for using a different payment method for my purchases. #8220 Add up all of the time you spend screwing around with credit card companies and you’ll probably find more value in eliminating unnecessary risk and you’ll help stop the cycle of abuse. #8221 It #8217 s important to note that the #8220 time you spend screwing around with credit card companies #8221 is pretty much 100% caused by the cardholder using their credit card irresponsibly and not paying off the balance in full each month. Granted if one has a trouble with managing a credit card then they should either learn how to use their card properly or just not use it at all. On this we can agree. .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Credit Card Chaser October 6 2009 at 7 25 PM * Apparently I cant put it in brackets so the kids was missing from this comment “the amount of time that we spend thinking about kids is argument enough against them.” .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Baker October 6 2009 at 7 40 PM #8220 If you only borrow money that you already have in the bank then that = no risk #8221 That #8217 s an extremely dangerous way to think. Your math further down assumes people charge 100% of all expenses to a credit card which isn #8217 t normally the case. And of course the #8216 average #8217 person does not prevent an increase and spending while not carrying a balance and avoiding all fees. Lastly time spent on credit cards isn #8217 t #8216 pretty much 100% #8217 just from irresponsibly behavior. That #8217 s a gross generalization. I do however appreciate you taking such an active role in this discussion. It #8217 s great to have some much interesting back and forth. Reply Credit Card Chaser October 6 2009 at 7 57 PM Thanks for the response. #8220 That’s an extremely dangerous way to think. #8221 Are you meaning dangerous to the points that the other gentleman was trying to make or dangerous to the cardholder #8220 Your math further down assumes people charge 100% of all expenses to a credit card which isn’t normally the case. #8221 I would hardly call my quick comment on the average US income and rewards that equal #8220 close to $500 every year #8221 any kind of math worth commenting on but still I am flattered #8220 Lastly time spent on credit cards isn’t ‘pretty much 100%’ just from irresponsibly behavior. That’s a gross generalization. #8221 Remember that statement is only true for the person who sets up an auto pay schedule to pay off their balance in full every month and only uses the card when the money is in the bank #8211 you and I both know that the #8220 average #8221 person aka anyone who likes to buy things can certainly have difficulty with this. However to say that my statement isn #8217 t true isn #8217 t true did I just say #8220 isn #8217 t true isn #8217 t true #8221 lol because I have purposefully qualified that statement by saying that the #8220 pretty much 100% #8221 number applies only to responsible credit card users that use credit as I have described above. Naturally you cannot take that statement and apply it to the average person because the average person is not particularly financially responsible Keep in mind the important distinction between saying that #8220 the average person is not financially responsible #8221 = true VS. #8220 the average person can #8217 t help spending more than they can pay on their credit card #8211 they just can #8217 t help it #8211 it #8217 s gotta be the credit card company #8217 s fault #8221 = blame game/never my fault/the devil Visa made me do it/etc. thinking. .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Little House October 6 2009 at 9 48 AM You couldn #8217 t have said that more accurately. Credit card companies do prey on the people who can #8217 t control themselves and just force them deeper into debt. What do they care They make loads of money and then blame the victim for their irresponsibility. thanks for the post- Little House .-= Little House #180 s last blog .. Will Our Economy Change Towards Something Other than Consumerism =-. Reply Credit Card Chaser October 6 2009 at 7 08 PM #8220 They make loads of money and then blame the victim for their irresponsibility. #8221 Not to beat a dead horse but it actually is the cardholder #8217 s fault if they are irresponsible and #8220 can #8217 t control themselves #8221 . Sorry However I definitely agree with you in that there are companies that have hidden for waaaaay tooo long under a mess of fine print in cardholder agreements that can only be labeled as deceptive marketing so in those types of cases then the credit card issuer is definitely to blame. Let #8217 s not confuse the issue though and act as if it is the credit card company #8217 s fault every single time that there are fees or penalties assessed as if it is never ever the fault of the person that #8220 just had to have that HDTV/designer purse/new pair of shoes/etc. #8221 As long as a card is marketed and presented in a full and honest way and the cardholder agrees to and understands the terms of the cardholder agreement then for the most part if there are fees and penalties assessed it is likely due to the lack of financial discipline on the part of the cardholder. I realize that it is much easier to just blame everything on the big bad credit card companies because it lets us off the hook if we make mistakes but unfortunately the trust just isn #8217 t always so comfortable. .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Credit Card Chaser October 6 2009 at 7 09 PM Sorry for my fat fingers I meant to say #8220 truth #8221 rather than #8220 trust #8221 in that last sentence Apparently the truth is that I can #8217 t type .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Mr. Not the Jet Set October 6 2009 at 9 20 PM #8220 As long as a card is marketed and presented in a full and honest way and the cardholder agrees to and understands the terms of the cardholder agreement then for the most part if there are fees and penalties assessed it is likely due to the lack of financial discipline on the part of the cardholder. #8221 show me one. .-= Mr. Not the Jet Set #180 s last blog .. Save Money #8211 Raise Chickens =-. Reply Robert October 6 2009 at 10 57 AM Gotta love the photo #8211 oh and the post Thanks Baker .-= Robert #180 s last blog .. Are Running Shoes the Enemy =-. Reply Tracy Johnson October 6 2009 at 11 00 AM I don #8217 t get your rationale for eliminating credit cards. I use a credit card for every purchase I make and I get hundreds of dollars worth of free books from amazon and I have never paid a single fee of any kind. My husband uses another card for all his purchases and we just got back $1 500.00 for purchasing a car. Again not a single penny paid in fees. And being an overweight out of shape vegetarian is unacceptable. If your actions are directed at saving the planet and end up hurting yourself are you really doing any good I #8217 ll answer for you NO. I have been a vegetarian for 25 years and I am extremely fit and slender. If you are going to eat a vegeterian diet you should be a poster child for the lifestyle not someone who makes it appear ridiculous. Then others will want to join your efforts thus creating an actual impact on the environment. Reply H Lee D October 6 2009 at 5 35 PM His rationale for both not using credit cards and for being vegetarian my interpretation both have to do with morals. Both are predatory. Meat production in the US can #8217 t speak for elsewhere is done in ways that are horrific to the animals that are eventually slaughtered. Surely you know this. His rationale is based on the bigger picture of ethics not on whether or not his body is healthy. Credit cards based on the bigger picture of ethics not whether or not he can make a buck off of them. Neither has to do with his physical gain in money or health — they have to do with ethics. Finally eating vegetarian and not being in shape is not ridiculous and actually is attractive to ignorant folks who believe that all vegetarians just eat salad and are skinny cranky folk. And if you want to be hardcore about creating an actual impact on the environment be vegan. Reply PJ October 6 2009 at 1 20 PM Excellent post Baker. You really hit the nail on the head. Credit card companies are like the casinos and tobacco industries. They feed off junkies. They want you to take the chance you will not become a junkie. What do those of you who do not use or have a credit card do to reserve a hotel room or a flight Reply John DeFlumeri Jr October 6 2009 at 2 59 PM Credit card rewards are what the banks get mostly not the customers .-= John DeFlumeri Jr #180 s last blog .. Hear What Congress is Up To Now =-. Reply Julie October 6 2009 at 6 05 PM Great great post and comments. This is the most interesting discussion on credit card use that I have ever read. We are in the process of paying off the two credit cards that we have and as a rule use debit cards. I do wish that debit cards came with the same protections as credit card. That part makes me feel a little vulnerable. Finally I love all the people who talk about never carrying a balance never paying a fee and getting cash back. That #8217 s not done at the expense of the credit card companies that #8217 s done at the expense of all of those who do carry a balance and pay interest. If everyone used their cards #8220 responsibly #8221 the free float and cash back rewards would cease to exist. Reply Credit Card Chaser October 6 2009 at 6 59 PM #8220 Finally I love all the people who talk about never carrying a balance never paying a fee and getting cash back. That’s not done at the expense of the credit card companies that’s done at the expense of all of those who do carry a balance and pay interest. If everyone used their cards “responsibly” the free float and cash back rewards would cease to exist. #8221 Actually that is not true #8211 one of the biggest ways that credit card companies make money is by charging merchants a transaction fee which can often be quite hefty . So hefty in fact that a group of 7-11 owners recently collected 30 boxes full of signatures alleging that the credit card transaction fees are too high for them and then presented those boxes of signatures to Congress. Here is the full story http // creditcardchaser /ever-wonder-how-credit-card-issuers-can-pay-out-cash-rewards-ask-7-11/ It is justifiable that you would think that though because I even wondered for quite some time a while ago how it is that credit card issuers can afford to pay out such handsome rewards if their only revenue source is fee and penalties. The truth is though that even debit cards are promoted pretty heavily and of course there are no interest charges that the card issuer can earn off of a debit card so they must be making quite a bit of money off of the transaction fees charged to merchants. .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Baker October 6 2009 at 7 45 PM While the credit card industry does make transaction fees many of these fees are similar for debit cards. The primary difference in profitability between the two comes off the interest from cyclical borrowers. It is this difference that enables credit cards to offer #8216 rewards #8217 that debit cards can #8217 t. If the rewards are truly your motivation not saying they are then you are benefiting from the increased profit the industry makes from interest not from transaction charges. Benefiting off this practice is not something that interests me. Reply Credit Card Chaser October 6 2009 at 8 01 PM Does this mean that you will refuse to use a bank that #8220 unfairly #8221 profits from the practice of charging mortgage interest to consumers that have one of the bank #8217 s home loans .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Baker October 6 2009 at 8 26 PM Obviously you are being cheeky with your #8216 unfairly #8217 comment. However I would and do actively avoid institutions that rely on predatory lending techniques. Don #8217 t you If you could get a slightly better mortgage rate from a company that you knew generated the majority of their profits and the ability to give you such a great rate from making subprime loans to irresponsible individuals #8230 would you take it It #8217 s an interesting question. Julie October 6 2009 at 9 15 PM Good point CCC. Reply Julie October 6 2009 at 9 31 PM I was curious so I did a little research. According to a 2005 report by the Government Accountability Office 70% of card issuers #8217 revenue comes from interest charges. Reply Jim October 6 2009 at 6 31 PM I respect your decision not to use credit cards on moral grounds. I don #8217 t agree however that credit cards or the companies that issue them are somehow inherently amoral or evil. The credit card companies are regulated by laws and everything should be in black and white in the terms of the card agreement. I don #8217 t consider a bank to be #8216 evil #8217 for lending people money with no collateral under a contract and then enforcing the conditions of that contract. Of course if a bank / credit card company does something that is outright illegal or unethical then that is bad but honestly I don #8217 t believe the majority of the industry behaves that way. Credit cards are tools not inherently evil. On the the hand I do think that credit card terms can be overly confusing and may prey on people who are not really able to comprehend the details of the contract. Course if you don #8217 t understand a contract you probably shouldn #8217 t be signing it and then borrowing money on it either. But then I #8217 m also sure there are slimey credit card companies out there. Some are undoubtedly worse than others. Frankly I #8217 m not fond of Chase. But I #8217 ve never had a problem with Amex Citi or Discover myself. Reply Credit Card Chaser October 6 2009 at 8 05 PM #8220 Credit cards are tools not inherently evil. #8221 That is not true I just heard on the news the other day how a credit card escaped from prison in daring jail break with a handgun. The credit card started charging itself for all kinds of stuff and the gun just starting shooting people left and right #8211 all by themselves Couldn #8217 t resist .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Mr. Not the Jet Set October 7 2009 at 2 37 PM Credit cards definitely aren #8217 t evil #8230 . but the companies that issue them #8211 different story . .-= Mr. Not the Jet Set #180 s last blog .. Two Cent Tuesdays- A New Series =-. Reply Jamie @ Make Money 4 Life October 7 2009 at 3 25 PM I #8217 d have to agree with you Baker. Credit cards are for habitual users. And probably 90% of the US is just that. There are so many that think that #8217 s just the way it is and too little people saying #8220 Don #8217 t be stupid #8211 it #8217 s a trap #8221 When I was younger I didn #8217 t need credit cards but I asked how do I build up credit and everyone answered by using credit cards. Really though is a credit score worth being trapped in a cycle. Credit companies are just like casinos. Go there just for a meal and everyone wants you to have fun and join in throwing money away. They #8217 ll even act like it benefits you .-= Jamie @ Make Money 4 Life #180 s last blog .. Finding a great deal on a house =-. Reply Matt @ Self Improvement Resources October 7 2009 at 10 25 PM #8220 I’m going to lose it if I hear one more person say “Well… if you aren’t responsible with credit cards then obviously you should cancel them.” Or “If you can’t control yourself then it makes sense to get rid of your credit cards.” I have to agree with you on this. The same can also be said for debit cards. These financial institutions are taking advantage of people. They do prey on the vulnerable using deceptive marketing. They are selling people a false dream. Therefore they need to be held accountable and shouldn #8217 t always be let off the hook. If you get caught selling drugs you can #8217 t get out of punishment by saying #8220 Well those people should have known better than to use it. #8221 I understand where you are coming from on rejecting credit cards in the sense of #8230 #8220 FIGHT THE POWER #8221 Reply Credit Card Chaser October 7 2009 at 11 46 PM #8220 “I’m going to lose it if I hear one more person say “Well… if you aren’t responsible with credit cards then obviously you should cancel them.” Or “If you can’t control yourself then it makes sense to get rid of your credit cards.” #8221 If by #8220 lose it #8221 you mean lose your sense of logic then it appears that with that analagoy you are already well on your way It was only a matter of time before someone lost all sense and stooped to comparing credit cards to drugs in an eerie similarity to Godwin #8217 s Law #8230 What #8217 s next Comparing the credit card companies to Hitler and calling everyone that disagrees with you a racist A few small differences between credit cards and drugs in case you had forgotten credit cards are legal while drugs are not credit cards help many people while drugs help no one etc etc etc .-= Credit Card Chaser #180 s last blog .. Wells Fargo Credit Cards to be Marketed to Wachovia Customers =-. Reply Matt @ Self Improvement Resources October 8 2009 at 12 52 AM I figured that I would get that response. You make the statement that credit cards are legal and drugs are not. This is true but it has nothing to do with the point I #8217 m making. Whether something is legal or not legal doesn #8217 t make something right or wrong. Doctors prescribe #8220 drugs #8221 that kill people even more than the diseases they are treating DAILY But of course the drugs they prescribe are #8220 legal #8221 even though these #8220 legal #8221 drugs kill more people than illegal drugs. Why Because Big Pharma can pay off the right Government institutions #8230 Just like the Financial companies can. You say credit cards help people Yes I #8217 ve seen all of the testimonials #8230 well a lot of legal drugs #8220 supposedly #8221 do to. But they are killing a lot of people too. Just like Credit Cards are killing a lot of people financially. That is the parallel that I #8217 m making. The bottom line is that debt is as addictive to many consumers as illegal drugs are to fiends. Companies KNOW this and take advantage of it with deceptive marketing. I never said that Credit Card companies should be tagged as murderers and thrown in jail. I #8217 m just saying that they should be held accountable just like everyone else who does bad things should be. Instead of letting them off the hook by saying that #8220 The Victims should be more responsible. #8221 Reply Gholmes October 8 2009 at 8 27 PM Baker you rock. Great post. Reply Dogfood Provider October 13 2009 at 1 19 AM This post rocked my face off. Seriously. I #8217 ve been wondering what I will do with my various and sundry credit cards. Am I in the Dave Ramsey camp #8211 no credit cards worry about a mortgage by finding someone who #8217 ll underwrite your loan with a human rather than a computer Maybe I #8217 ll keep the oldest one open but not use it so I have a line of credit open for when I finally try to get a mortgage. I #8217 ve been wondering when I will take the plunge close them all now before they are paid off Close them as I pay them off What about the damage to my credit score Should I close the ones that are already paid off Should I ask my mother Should I email 238 personal finance bloggers But this post really hit me. The credit card companies prey on people less savvy than they are. They #8217 re parasites. F them. Thanks for helping me come to a decision. .-= Dogfood Provider #180 s last blog .. A Name Brand I Go For amp a Tip =-. Reply Nate October 13 2009 at 11 45 AM Baker- This is my first visit to your site and I enjoyed reading article very much I believe that I have an excellent solution for you without getting a CC. My wife and I don #8217 t own a CC at all but we still earn 4% cash back on our money. We have a High Yield Checking Account. These are becoming highly easy to come by now and it has worked out great for us so far Not only does it pay 4% every month but it is on our average daily balance. Which we would earn far less if we were only earning the cash back on only the money that we spend in the month such as a CC would give you I would be willing to bet that this method would even beat out the CC cash back almost all of the time. Especially since there are so many different rates 5% on gas 2% this 1% that . Just an idea for you or anyone else looking to get more cash back And I believe it fits into your criteria of not using an actual CC. It is done through a DC which I believe you already have I look forward to reading future posts Reply H Lee D October 13 2009 at 4 37 PM Where are you getting 4% Reply JoeTaxpayer October 13 2009 at 3 53 PM Nate - You are confusing a cash rebate on money borrowed with cash earned on money in the bank. It #8217 s not a choice one or the other you can have both. In fact if you charged your expenses on a 2% rebate card you would see an extra bonus in the extra interest you would earn. You realize using the card helps your average balance stay higher it doesn #8217 t bring it down. This is addressed to Nate I understand and appreciate Baker #8217 s original point and his decision. Although I still struggle to understand the distinction that #8217 s made between Credit Cards and Debit Cards. Yes I know how they work. But they are both issued by the same entity and charge merchants the same fees. You are still dealing with the devil. Reply Nate October 13 2009 at 6 20 PM JoeTaxPayer That is a good point but there is no confusion. The High Yield Checking Accounts require that you do X amount of Credit side transactions per month. For me it is 15 transactions each month in order to get the 4% rate. So I couldn #8217 t do the 15 transactions and do CC as well. That would get way to crazy to count my 15 each month and then do some CC. Plus there would barely be any interest earned in the miniscule amount that I would be charging onto the CC. But they High Yield Checking pays on the balance in the account not just on how much I spend like the CC would. So to choose just one the best choice in my opinion is the Checking. Reply Credit Card Chaser October 13 2009 at 6 42 PM If you don #8217 t mind me asking #8211 what institution do you have this account through and also do you still get the 4% rate and how long have you had the 4% rate I know that the current rate for the ING Direct High Yield Checking is 0.25% that #8217 s right 1/4 of 1% Schwaub is 0.75% and Univest Direct is 0.25% and all of the rest including BOA Wachovia etc are even less than that according to Bank Rate I did find a rate of 3% with some restriction at the Advantis Credit Union here https // advantiscu.org/page.php page=12 thanks to http // getrichslowly.org/blog/2008/11/17/making-the-most-of-your-checking-account/ for pointing it out Are you using a local credit union to get the 4% .-= Credit Card Chaser #180 s last blog .. CBS News Credit Card Companies are like “Legalized Drug Dealers” =-. Reply JoeTaxpayer October 13 2009 at 6 28 PM #8220 The High Yield Checking Accounts require that you do X amount of Credit side transactions per month. #8221 I come here to learn and learn I did. I #8217 ve never heard of such an account tying the two together now I have. Thanks. .-= JoeTaxpayer #180 s last blog .. Free The Future of a Radical Price =-. Reply Nate October 15 2009 at 2 20 PM CCChaser- Yes it is a local CU. My credit union is Premier CU in Des Moines Ia. It does still pay the 4% as well. I know my Grandfather had a High Yield Checking at Bank of the West or somewhere that was up to 5% but has recently gone down to around 4% I believe I hope you find one that will work for you They are awesome JoeTaxPayer- I #8217 m glad I could help. I believe personally that these types of accounts will become more popular soon because of the appeal to the banks themselves. Every time you run your card as a Debit the bank has to pay a fee. However when you run it through as Credit the Merchant pays the fee. These types of accounts save the banks or CU #8217 s a bunch of money which is why they turn around and pay the interest rate for it Reply Credit Card Chaser October 15 2009 at 2 27 PM @ Nate Thanks for the response I did find a great list here too BTW in case anyone else was interested although I can #8217 t vouch for the accuracy of course http // highyieldcheckingdeals /2008/03/high-yield-reward-checking-accounts-by.html .-= Credit Card Chaser #180 s last blog .. Annual Fees are Stealthily Getting Tacked on to Many Existing Cards =-. Reply Matt with credit cards October 16 2009 at 5 24 AM credit cards are tools. what makes them goof or bad is the person using it. good post you got here Reply H Lee D October 16 2009 at 10 50 PM Just thought I #8217 d chime in again and mention that I just opened a letter from Citibank #8230 my interest rate was just raised to 29.99% Reply James Wright from Tech for the Masses December 12 2009 at 7 42 PM I #8217 m currently on the #8220 use rewards cards #8221 responsibly bandwagon. Sure in the long run they may get you. Like the casinos. But I do like the idea of getting #8220 free money #8221 or cash-back. Reply Dollars Not Debt February 9 2010 at 12 36 PM Love the winning vs enjoy playing talk. I agree the older I get-the more it is about playing amp not winning. I do however want to WIN the debt free game. I blog about my path to dollars not debt. Reply JN Urbanski February 9 2010 at 1 12 PM I #8217 m ashamed to say I love my Amex. I pay off my balances every month so I don #8217 t pay interest to other cards but I do pay my yearly fee for the Amex. I buy gifts with the rewards points because I put so much money on the Amex I get a huge number of reward points so it #8217 s worth it for me. I completely understand why some people want to shove the reward up the company #8217 s sh**ter though. Reply Chris C. April 20 2010 at 6 16 AM Cool blogs To quote you in the above #8220 Your Jedi mind tricks won’t work on me. #8221 I think I will use this quote when I close my remaining credit cards. Of course I will be nice to the CSR on the phone. Haven #8217 t paid interest in over 12 years just use them for the simple protections they offer and so I don #8217 t have to carry cash. Congrats on living the lifestyle you choose. I hope one day to remove myself from the rat-race. Reply Steve in W MA September 12 2010 at 9 52 PM IF and only if you keep three times or more your average monthly expenses in your checking account one of these 4% reward checking accounts will give you a better total return on your money than using a 1% rewards credit card. the math for someone who spends $1000 per month Credit card 1000 spending times one percent=$10 repeated each month of the year=$120 on an average expenditure of only $1000 per month. 4% Rewards Checking $1000 average checking balance times 4%/12 =40/12=$3.33 interest earned per $1000 per month or 12*$3.33 interest per year which is $40 this is not quite accurate for a number of reasons that aren #8217 t that important but if you #8217 re mathematically savvy you #8217 ll see that if you only have $1000 to your name then your average checking balance will end up being around $500 not $1000 but who cares for this analysis. The point here is that if you have 3x this balance or a total of $3000 in the bank then your interest earned will be $120 and is equal disregarding taxes of course to the rewards on a 1% rewards credit card. So #8230 just keep 3x your average monthly expenses or preferably keep a lot more than that in your rewards checking and use that debit card 15 times per month and you are way ahead of the game. ______ THE TRUTH for me though is that up to now it has driven me crazy to come up with 15 spending events during the month. I literally do not spend money or go shopping 15 times per month so I have opted out of this plan because I have up to now refused to sit by the gas pump pumping 3 gallons 3 times in a row effectively costing the service station extra transaction charges just to make my #8220 nut #8221 of 15 debit transactions and get 4% Maybe I #8217 ll do it in the future though and every once in a while #8220 make up #8221 for it by buying a couple of quarts of motor oil from the station that I normally wouldn #8217 t have bought because I usually buy my oil on sale by the case . Reply Nate September 13 2010 at 2 03 PM Steve- I agree with you completely. Another cool thing about this account is that if you don #8217 t meet the 15 transactions per month you still earn .25%. Not as awesome as the 4% but you could still earn the .25% on the checking and the 1% on the CC. A bit better then all or nothing. Also I do keep more than the 3k in my account. This checking account is where I have actually decided to keep my emergency fund. I have enough discipline that I never even come close to touching that emergency fund even though it is in my checking account and available. But the interest earned on that emergency fund is better then I can find anywhere else so I am capitalizing on the opportunity. I have really never had a problem with using my card 15 times in one month. We frequent Wal-Mart to get groceries often because they are 1 mile from our house. It isn #8217 t uncommon for me to stop there 2 or 3 times a week after work to pick up the essentials. Just doing that gets us to about 10 trans a month I #8217 d say. Or we hit up 3 different places within a 1 or 2 mile area around our house to get the different grocery sales at each. Wal-Mart Fareway and Hy-vee are all within 2 miles of eachother So I could probably guess that we get real close to the 15 transactions just in grocerie shopping each month. Another thing I #8217 m not exactly for sure how these fees are charged but I have been under the impression that the merchants pay a percentage of each sale. Not a set fee each time. Therefore whether you charged $30 in one pump or $10 in three separate ones it would still be the same percentage the merchant would pay. But like I said I #8217 m not exactly sure how those fees work. I don #8217 t pay them so I don #8217 t pay much attention I guess. I would be interested to find out though if anyone on here knows Reply Cancel reply Leave a Comment Name * E-mail * Website Notify me of followup comments via e-mail { 25 trackbacks } - gt Flu Season Is Here Just In Time For Our Vacation Post Roundup Bible Money Matters Credit Cards Suck Pay Off Credit Cards - Then Close them Shred them and Forget them Debt Free Adventure Evil Credit Cards raquo JoeTaxpayer Sleepy and Tired #8230 Weekly Roundup #8211 The Credit Card Edition raquo JoeTaxpayer 2009 Personal Finance Bloggers Fantasy Baseball Results Yes I Am Cheap raquo Festival Goes For Broke #8211 Or Maybe Just Cheap on the Festival of Frugality How the Blogging and Iternet Marketing Economy is Changing Rock Star Lifestyle Design Another Fellow Blogger Roundup raquo JoeTaxpayer The Financial Blogger raquo Blog Archive raquo 29th Carnival of Pecuniary Delights - Money and Songs Edition Rethinking Credit Card Rewards - Are They Worth It The Happy Rock The Unintended Consequences of CARD raquo JoeTaxpayer No I #8217 m Not Cutting Up My Credit Cards Maybe You Shouldn #8217 t Either. 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That would also be stipulated in the contract. With the explanation out of the way I'm trying to figure out how best to do this as I might try it an decide the business model doesn't work and shut it down after the first month. Basically how can I process CC's with minimum cost and ideally no future obligation to a merchant service provider New Coupons from Dell Home XPS 17 Inspiron 620 and Inspiron One 2305 + Up to 4% Cash Back 0 Posted By FatWallette Views 223 Replies 0 $100 off All Inspiron One 2305 all-in-one Desktops with optional touch screen expires 6/26 or 100 units w/ coupon BJC20F5RF$MNFK Cash Back $100 off Inspiron 620 DT Desktop with 2nd Gen Core i5 processor 1.5TB Hard Drive - $699.99 with Free Shipping expires 6/26 or 100 units w/ coupon Z6LK$1VB525L2W Cash Back Genuine Windows 7 Home Premium 64Bit EnglishMicrosoft Office Starter reduced-functionality Word Excel w/ ads. 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If you leave the Dell Home site you may not be eligible for Cash Back Cash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email NETGEAR FS108 ProSafe 8-Port 10/100 Desktop Switch $26.99 ar / fs @ buy NETGEAR FS108 ProSafe 8-Port 10/100 Desktop Switch$10 Mail in Rebate Purchase this NETGEAR product from Buy receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. 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Please review the Terms and Conditions for a complete list of program limitations. $5 Discover cashback bonus for signing up for Auto Pay with Comcast Got an insert with my Comcast bill Pay your monthly Comcast bill with Auto Pay using your Discover card.When you do you'll get $5 CashBack Bonus from Discover ... ...To get started visit comcast and log in or call 800-XFINITY.Small print Your first automatic payment must post to your account between June 1 and August 15 2011. Valid only on new automatic payments. In order to qualify for the CashBack bonus offer a new bill will be defined as one that has not been paid automatically on your Discover card in the past 3 months. Limit one $5 CashBack bonus per account. We are not responsible for merchant delays in processing transactions. Promotional reward will be applied to your discover card account within 8 weeks.This was non-personalized insert the size of an index card with the bill so probably valid for all comcast customers. Sony XBR-55HX929 Bluray w/ GoogleTV $2419.99 free ship Crutchfield Check It outGreat price from first rate merchant.The price is so low it may be an error so hurry Buy 1 Get 1 Free Tires $9.99 Oil Change http // tirekingdom /b1g1 http // ntb /b1g1 http // merchantstire /b1g1Includes up to 6 Qts conventional multi-grade motor oil** - Change filter - 4-tire rotation*** - 22-Point Inspection Thursday June 9th - Tuesday June 14th.Most vehicles. Not valid with other offers. One coupon per customer. At participating locations upon presentation of this ad. See store for details.*Plus $3.00 disposal fee where permitted . **Other oils available at additional cost. ***TPMS reset additional if needed. Dell Home Systems 12 Hot Summer Days Event ends 6/20 - New Deals Each Day + Up to 4% Cash Back 0 Posted By FatWallette Views 214 Replies 0 Dell Hot Summer Days Event 4 new deals every day for 12 days exp 6/20 Cash Back Insprion One 2305 Desktop for $499.99 limit 125 exp 6/9 w/ coupon $Z3NWB22FL W2F Cash Back $178 off Inspiron 15R with 2nd Generation Intel Core i3 Processor 4GB Memory and 500GB Hard Drive exp 6/10 Cash Back More Offers from Dell Home System Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 Vostro 230 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Vostro 3400 Vostro 1015 V13 Optiplex Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on Alienware Systems Precision $33 on Mobility Store purchases approved/shipped orders for a mobile device w/ qualifying 2-year activation . Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the Dell Home site you may not be eligible for Cash Back Cash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email PHILLY METRO Levittown Bensalem Feasterville PHL Audobon NJ $20 worth of SONIC for $10 http // doubletakedeals /deals/pa-buxlower/20110601/6514 Certificates are valid FROM THE DAY AFTER PURCHASE until 7/26/2012. $10 For $20 Worth of Fast Food Purchaser Will Receive 4-$5 Certificates Merchant will abide by gift certificate state laws. No Cash Back. Must be used in one visit. Certificate cannot be combined or used in conjunction with any other offer coupon or promotion. Certificate valid for one year. One certificate per customer. Limit 1 certificate per order. Cannot be used for tax and/or gratuity. Gratuity should be applied to the full non-discounted amount of bill.Certificate valid until 7/26/2012. After expiration date merchant will abide by certificate state laws. No Cash Back. 1525 Street Rd. Bensalem PA 19020 215 244-0818 Get Directions15 Bustleton Pike Bustleton County Line Rds Feasterville PA 19053 215-322-3415 Get Directions147 Levittown Pkwy new WalMart Shp Ctr Levittown PA 19055 215-547-5403 Get Directions2201 East Butler St. Lowe's Shopping Center Philadelphia PA 19137 215-289-4590 Get Directions112 Black Horse Pike WalMart Shp Ctr Audubon NJ 08106 856-547-1706 G Kensington BlackBelt Case for iPad2 - K39324US $8.99 ar / fs @ buy Kensington BlackBelt Case for iPad2 - K39324US$10 Mail in Rebate Buy this Kensington product from Buy and receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/6/2011 to 6/12/2011 Kingston SSDNow V+100 96GB 2.5" Internal Solid State Drive SSD Desktop Kit - SVP100S2B/96GR $119.95 ar/fs @ buy Kingston SSDNow V+100 96GB 2.5" Internal Solid State Drive SSD Desktop Kit - SVP100S2B/96GR$50 Mail in Rebate Purchase this Kingston Product from Buy and receive a $50 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/8/2011 to 6/15/2011 Kingston HyperX T1 Black Series 24GB 6 x 4GB DDR3 240-pin 1600 Desktop Memory $199.95 ar / fs @ buy Kingston HyperX T1 Black Series 24GB 6 x 4GB DDR3 240-pin 1600 Desktop Memory$60 Mail in Rebate Purchase this Kingston Product from Buy and receive a $60 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/6/2011 to 6/19/2011 Kingston HyperX 4GB 2 x 2GB DDR2 240-pin 1066 Desktop Memory $54.95 ar / fs @ buy Kingston HyperX 4GB 2 x 2GB DDR2 240-pin 1066 Desktop Memory$25 Mail in Rebate Purchase this Kingston Product from Buy and receive a $25 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/8/2011 to 6/15/2011 Kingston 128GB SSDNow V100 Series 2.5" SATA II Internal Solid State Drive - SV100S2/128GZ $159.95 ar / fs @ buy Kingston 128GB SSDNow V100 Series 2.5" SATA II Internal Solid State Drive - SV100S2/128GZ$60 Mail in Rebate Purchase this Kingston Product from Buy and receive a $60 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/8/2011 to 6/15/2011 Rayovac AAA 15-Minute Rechargeable Battery 12-Pack + 1-cent s h $8 Today only until 9 pm ET Pennywise offers the Rayovac AAA I-C3 15-Minute Rechargeable Battery 12-Pack for $8.99. Coupon code "dealnews1" cuts it to $7.99. Add 1-cent for shipping. These batteries purport to offer a charging time of 15 minutes or less. Note that they're bulk packaged and will arrive without the Rayovac I-C3 charger which enables 15-minute charging times. These batteries will arrive branded as either Rayovac or Noma. Please note that this merchant does not offer a return policy.LINK Kingston HyperX Genesis 4GB DDR3 1600MHz 240-Pin Memory Module - KHX1600C9D3/4G $34.99 ar / fs @ buy Kingston HyperX Genesis 4GB DDR3 1600MHz 240-Pin Memory Module - KHX1600C9D3/4G$15 Mail in Rebate Purchase this Kingston Product from Buy and receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/7/2011 to 6/13/2011 Personalized Business Promo 500 pens for $100 +s/h 1000 Magnets for $110 + s/h". Just found this deal online from promologos i looked around and seems cheaper then everyone else and i was happy with them last time i ordered 500 imprinted pens with your logo for just $80 plus $20 setup $100.00 does not include s h 1000 business card magnets for just $110.00 does not include s h no setup fee Fantom Drives G-Force MegaDisk 4TB eSATA+USB 2.0 RAID Hard Drive - MDE4000 $219.99 ar / fs @ buy Fantom Drives G-Force MegaDisk 4TB eSATA+USB 2.0 RAID Hard Drive - MDE4000$20 Mail in Rebate Purchase this Fantom Hard Drive and Receive a $20 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/2/2011 to 6/8/2011 Kingston HyperX 8GB 2 x 4GB DDR3 SDRAM 1600MHz 204-Pin Laptop Memory - KHX1600C9S3K2/8GX $69.95 ar / fs @ buy Kingston HyperX 8GB 2 x 4GB DDR3 SDRAM 1600MHz 204-Pin Laptop Memory - KHX1600C9S3K2/8GX$30 Mail in Rebate Purchase this Kingston Product from Buy and receive a $30 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 6/6/2011 to 6/19/2011 Kingston HyperX 8GB 2 x 4GB DDR3 SDRAM 1600MHz 240-pin Desktop Memory - KHX1600C9D3K2/8GX $69.95 ar / fs @ buy Kingston HyperX 8GB 2 x 4GB DDR3 SDRAM 1600MHz 240-pin Desktop Memory - KHX1600C9D3K2/8GX$25 Mail in Rebate Purchase this Kingston Product from Buy and receive a $25 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 5/24/2011 to 6/5/2011 Buying Gold Bars from Amazon Hello. For those who get Amazon gift certs and the like I noticed you can buy gold bars on Amazon . A 1 gram Swiss Pamp Bar with certificate sealed is running $75 shipped for instance at the moment. With the Amazon CashBack credit card all gold purchases would be added to my existing tally so when I hit this amount I will be able to use it to get more gold again. I presume the Card is a 1% CashBack on gold. Most gold dealers I know of have an extra markup on Credit Card purchases yet with Amazon I don't see any markups with their merchants so the deals seem favorable with the Amazon credit card. The Istanbul bar is running slightly less however Swiss Pamp has more clout and marketshare and is more prevalent throughout the Gold Dealers in my area so its likely more tradable. My issue is really on Amazon's policies. Its a top rated seller and if I found out the bar was fake after I got it I presume I can issue a chargeback or file a claim with Amazon . I don't expect it to be fraudlent however in the gold marketplace I have heard of tungsten being used to fake gold bars before as well as other methods in order to fake gold which are prevalent especially as gold prices have risen considerably over the years.Opinions are welcome on using Amazon gift certificates for purchasing Gold bars along with the Amazon Credit Card. $75 Off Laptops $400+ $25 Off All Monitors at Dell Refurbished Computers + 2% Cash Back exp 6/21 1 Posted By FatWallette Views 232 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers $75 off any Laptop $400 or more use coupon $75Laptop$400up $25 off Monitors. use coupon $25Monitor$ale Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Get $25 GAS CARD spend $300 or more with any American Express card Price Plus card from ShopRite thru 6/11 Earn a $25 GAS GIFT CARD when you spend $300 or more using any American Express card and your Price Plus club card from ShopRite between Sunday May 22 and Saturday June 11 2011 Follow these steps to earn a $25 Gas Gift Card 1. If you dont already have a Price Plus club card from ShopRite sign up for one on-line shoprite /priceplus or visit the Customer Service Desk at any ShopRite supermarket.2. Spend $300 or more on qualifying items with any American Express Card and your Price Plus club card between Sunday May 22 and Saturday June 11 2011. 3. Make sure you use the same Price Plus club card for all your purchases.4. When you qualify a coupon for a $25 Gas Card will be loaded on your Price Plus club card by Monday June 13 2011. A qualification message will print on your register receipt. 5. Pick up any $25 Gas card from our gift card display in store and redeem your coupon for card activation at the Courtesy Desk or Regster between Monday June 13 and Saturday June 18 2011. TERMS AND CONDITIONS Valid at any ShopRite Supermarket. Use any American Express Credit or Charge Card and your Price Plus club card at time of purchase to earn gift card. Value of gift card will be loaded on your Price Plus club card by Monday June 13 2011 after you reach the $300 spending threshold. Redem one $25 Gas Gift Card coupon by Saturday June 18 2011. Limit one gift card per Cardmember.May not be combined with other offers. Offer not valid on alcohol or other products subject to legal regulation. Program exclude prescription medications gift certificates gift cards postage stamp sales money orders money transfers lottery tickets bus ticket sales fuel and Metro passes as well as cigarettes tobacco products and alcoholic beverages or any other items prohibited by law. Fulfillment of the offer is the sole responsibility of the participating American merchant.Copyright 2011 Wakefern Food Corp. All rights reserved.2011 American Express Travel Related Services Company Inc. All rights reserved Kingston SSDNow SVP100S2/96G 96 GB Internal Solid State Drive $98.95 ar / fs @ buy Kingston SSDNow SVP100S2/96G 96 GB Internal Solid State Drive$50 Mail in Rebate Purchase this Kingston Product from Buy and receive a $50 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 5/31/2011 to 6/6/2011 Amazon Nikon D3000 D300s D3100 D7000 D90 D5100 SLR body and lens promotion valid through June 25 2011 For D3000 D300s D3100 D7000 D90 D5100Buy a Select Nikon Digital SLR and Save Up to $250 on a Select NIKKOR LensFor a limited time save big on a select NIKKOR lens of your choice with the purchase of a select Nikon digital SLR from Amazon .Offer valid through June 25 2011. One lens discount per customer. Applies only to purchases of products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Amazon reserves the right to end or modify this offer at any time. See terms and conditions. How It Works1. Select one qualifying Nikon digital SLR 2. Select one qualifying Nikkor lens 3. Add both products to your Shopping Cart 4. Enter the corresponding claim code and the savings will be automatically applied at checkoutNote on Availability Select digital SLRs are in high demand and their availability may fluctuate. If you don't see the digital SLR you're looking for check back periodically. Additionally lens offers vary by digital SLR model see available lens offers for each qualifying digital SLR below.Instant Savings Amount by Lens $250 off Nikon 18-200mm f/3.5-5.6G AF-S ED VR II Nikkor Telephoto Zoom Lens. Enter code 33YES67Y at checkout. $200 off Nikon 70-300mm f/4.5-5.6G ED IF AF-S VR Nikkor Zoom Lens. Enter code JSZW7NC9 at checkout. $100 off Nikon 85mm f/3.5G AF-S DX ED VR Micro Nikkor Lens. Enter code TG5D8MXL at checkout. $100 off Nikon 55-300mm f/4.5-5.6G ED VR AF-S DX Nikkor Zoom Lens. Enter code V8DLU4TK at checkout. $100 off Nikon 55-200mm f/4-5.6G ED IF AF-S DX VR Nikkor Zoom Lens. Enter code ESZBSIIK at checkout. $100 off Nikon 55-200mm f4-5.6G ED AF-S DX Nikkor Zoom Lens. Enter code ZRB9VW8Y at checkout. Borders Coupon 40% Off 1 Item for Borders Rewards Members 40% off @ Borders Cannot be combined with other offers excludes all electronics including eReaders. For complete details see the merchant's site. At right Moleskine 18 Month 2011-2012 Weekly Notebook Daily/Planner Black Large $11.37 after coupon was $18.95 . On now Buy 2 $25 iTunes gift cards and save $10 at OfficeMax B M only 5/29-6/4 This promotion is on page 6 of next week's ad but what is curious is that the fine print at least in the online ad actually states that it started 5/22 so it could be on already. Link to next week's adUsing MaxPerks rewards SHOULD work but is YMMV gift cards for other merchants are not excluded from the MaxPerks rewards fine print . **Offer valid 5/22/116/4/11. Purchase must be in one transaction. Subject to availability. While supplies last. No Rain Checks. Discount applied at register. See gift cards for details terms and conditions. TM and 2011 Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. Next week's ad but maybe on now Buy 2 $25 iTunes gift cards and save $10 at OfficeMax B M only 5/29-6/4 This promotion is on page 6 of next week's ad but what is curious is that the fine print at least in the online ad actually states that it started 5/22 so it could be on already. Link to next week's adUsing MaxPerks rewards SHOULD work but is YMMV gift cards for other merchants are not excluded from the MaxPerks rewards fine print . **Offer valid 5/22/116/4/11. Purchase must be in one transaction. Subject to availability. While supplies last. No Rain Checks. Discount applied at register. See gift cards for details terms and conditions. TM and 2011 Apple Inc. All rights reserved. Apple is not a participant in or sponsor of this promotion. Boca Raton Bridge Hotel 1 night ocean view room+$30 breakfast credit+bottle of wine for $109 LivingSocial $91 ea add'l LinkingSocialGoogle reviews are 3.5 stars 658 reviews Advertised rate is $97 + $79 each additional night but there is a $12 resort fee.A One-Night Stay in an Ocean-View Guest Room with Private Balcony for Two Complimentary Wi-Fi and Parking Access to Pool Fitness Room and Sauna $30 Daily Breakfast Credit Bottle of Wine Upon ArrivalForget hat tricks and aces in the pocket. To feel the tranquil magic of an Escape to the Boca Rat Limit 1 per stay Reservations required and subject to availability Resort fee of $12 per day is not included Rooms are double occupancy Customer may purchase additional nights at the room-only rate of $79 per night plus tax and resort fee Merchant cancellation/re-scheduling policy of 7 days applies voucher subject to forfeiture Other conditions apply Promotional value expires on September 30 2011 Up to 30% off Summer Hotel at Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 175 Replies 0 Orbitz Worldwide is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. Special Offers from Orbitz Up to 30% off Summer Hotel Orbitz International Flight Sale Book by June 17 2011 Orbitz Coupons Cash Back Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Memorial Day Weekend Sales from FatWallet's Cash Back Merchants Updated Daily 0 Posted By FatWallette Views 112 Replies 0 Check Back Daily for More Memorial Day Weekend Sales # A - C 20x200 3.5% Cash Back Available $15 off $100 purchase use coupon 20XMEM1 Anne Klein 3.0% Cash Back Available 25% Off Your Order Ashford 3.0% Cash Back Available 15% off on Select Watches use coupon REMEMBER Backcountry 6.0% Cash Back Available Memorial Day Sale Up to 40% Off Bass Pro Shops 4.0% Cash Back Available Memorial Day Sale Up to 50% Off Betsey Johnson 4.0% Cash Back Available 30% Off All Apparel and Handbags Botanic Choice 6.5%-12.0% Cash Back Available Free shipping on any order use coupon FREEMAY Carter's 3.0% Cash Back Available 20% off $40 purchase use coupon MEMDAY11 CreativeLabs 3.0% Cash Back Available 25% off Memorial Day Sale excludes ZEN ZiiO Cambridge SoundWorks and Refurbished Products Dell Refurbished Computers 2.0% Cash Back Available 20% off D630 or D830 Laptop use coupon 20PD630 D830Lap Dockers 4.0% Cash Back Available Up to $60 off Father's Day Items with Free Shipping on $100 or more eBooks 6.0% Cash Back Available 15% off Any Purchase use coupon MEMORIAL%DAYcp EyeBuyDirect 6.0% Cash Back Available Buy One Get One Free Sale not combinable w/ other offers - excludes designer frames includes single vision lenses with anti-scratch coating additional upgrades cost more eForCity 5.0% Cash Back Available 10% off Sitewide Memorial Day Sale use coupon MEMORIAL2011 EverydaySource 2.5% Cash Back Available 15% off $10 purchase use coupon MEMORIALDAY2011 Expedia Up to 4.0% Cash Back Available 35% off Rock and Relaxation Memorial Day weekend at the Hard Rock Hotel San Diego Golfsmith 8.0% Cash Back Available Up to $100 off Sitewide use coupon WEB121MEMexcludes Callaway TaylorMade Nike Graphite Design UST Prince Wilson Head Dunlop adidas K-Swiss Under Armour Yonex and Volkl. All items from the follwing brands are excluded Bushnell Sky Golf PING Titleist FootJoy Mizuno ECCO Griffin Technology 3.0% Cash Back Available 25% Off Sitewide Col. Littleton Items are Excluded Harbor Freight Tools 5.0% Cash Back Available 25% Off 1 Item - 5/30 Only use coupon FLAG11 HomeClick 3.0% Cash Back Available 8% Off Any Order discount applied in cart HomeEverything 3.0% Cash Back Available Free BBQ Cover with the Purchase of BBQ Grill of $1000 or More HP Up to 5.0% Cash Back Available Up to 50% off Memorial Day Sale Memorial Day Sale with Free Storewide Shipping 5-7 Days some exclusions - see site for details Hotels 4.5% Cash Back Available Up to 30% Memorial Day Hotels book by 5/31/11 travel by 6/6/11 HSN 2.0%-2.5% Cash Back Available Memorial Day Clearance Starts 5/27 InvisibleShield 6.0% Cash Back Available 50% Off Almost Everything 5/30-5/31 JCPenney 3.0% Cash Back Available Memorial Day Sale - Up to 60% off Furniture Mattresses Joe's New Balance Outlet 4.0% Cash Back Available Free Shipping on All Orders LoveSac 5.0% Cash Back Available Memorial Day Sac Package Sale M - Z MacMall 2.0% Cash Back Available Memorial Day Blowout Sale Up to $419 in Savings on Mac Closeouts + Up to $259 Off New Macs Macy*s 3.0% Cash Back Available 15% Off + Free Shipping see site for details Music123 2.0-3.0% Cash Back Available Up to 50% off Memorial Day Sale Oneida 5.0% Cash Back Available $10 off $50 purchase use coupon MD10not combinable w/ other offers - some exclusions apply $30 off $150 purchase use coupon MD30not combinable w/ other offers - some exclusions apply $50 off $200 purchase use coupon MD50not combinable w/ other offers - some exclusions apply OnlineShoes 6.0% Cash Back Available 20% Off Orders Over $80 OshKosh B'Gosh 3.0% Cash Back Available 50% Off Memorial Day Sale Petco 6.0% Cash Back Available 20% Off Sitewide Starts 5/27 see site for details Pfaltzgraff 6.0% Cash Back Available $25 off $100 purchase use coupon MAY25 not combinable w/ other offers - some exclusions apply Priceline 3.0% Cash Back Available Memorial Day Travel Deals PrintRunner 10.0% Cash Back Available Up to 50% Off Memorial Day Sale Shoemall 6.0% Cash Back Available $25 off $100 purchase use coupon MAY25 not combinable w/ other offers - some exclusions apply Shopko 1.0-3.5% Cash Back Available Up to 50% off Memorial Day Sale SwimsuitsforAll 9.0% Cash Back Available 20% Off Regular Priced Items use coupon MEMORIALsome exclusions apply The Body Shop 7.0% Cash Back Available Buy 3 Get 2 Free on the Entire Site Plus Free Shipping on Any Order Tommy Hilfiger 4.0% Cash Back Available 25% Off Your $200 Order use coupon FATWALLET Travelocity Up to 3.0% Cash Back Available Memorial Day Weekend Packages from $18 a night West Marine 5.0% Cash Back Available Up to 40% Off Memorial Day Sale Wilsons Leather 4.0% Cash Back Available 30% off Sitewide including Clearance Wirefly $25.00 Cash Back Available Buy One Get One Free on Android Phones Memorial Day Android Sale Up to $200 Off vs. In-Store $5 off $25 at TRUE VALUE Hardware valid to 7/31 possible use at Home Depot/Lowes http // startrightstarthere /coupon-tv-amj-2011.aspx viewT... 2011 Entertainment Books 2-for-$20 FS can this work w/FW CB I got email this morning titled "Get Two Books for $20 " You make a comboor even get two of the same both for one flat priceonly $20 city pairs snipped Inventory is limited. Click to see what we have in stock Get your 2 Books for $20 before they are sold out Plus FREE Shipping T C # The 2011 Entertainment Book is a part of your 2011 Entertainment Membership. # Offer expires 05/30/11. Offer is valid while supplies last. # Offer valid for two Books for $20 with free standard shipping see site for details. # 2 book minimum purchase required to take advantage of this offer. # Offer only available through this email. Offer not valid on prior purchases. # Offer cannot be combined with any other offer coupon points rewards programs or gift card programs. # Entertainment Publications LLC retains the right to modify this program at any time without prior notice. # All merchant offers referenced in this email were accurate at time of deployment. # All prices and discounts referenced are in U.S. dollars. # You must own a 2011 Entertainment Book to activate the Entertainment Book Companion App. # Entertainment Book Companion App displays content from participating merchants Here's the link I hope that works for others - obviously I cut pasted the URL from my email msg Question Is there any way to get this to work with FW CashBack When I click that link I get to order books for $10 each but when I go through the FW CB link even if I've left my selected books in my cart they show up at $15 each. Is there a trick to combine FW CashBack with the 2-for-$20 promo price Thanks for any advice you can provide... Kingston SSDNow Solid State Drive - SNVP325-S2/64GB $74.99 ar / fs @ buy Kingston SSDNow Solid State Drive - SNVP325-S2/64GB$45 Mail in Rebate Purchase this Kingston Product from Buy and receive a $45 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 5/18/2011 to 5/20/2011 Beach Deals 4th Night FREE on Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 176 Replies 0 Orbitz Worldwide is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. Special Offers from Orbitz Beach Deals 4th Night FREE on Orbitz Book by June 12 20% Off 4 Nights at The Belvedere Hotel in New York from $228 40% Off at Windsong Resort in Turks and Caicos from $225 Up To 30% off The Whitehall Hotel in Chicago valid for travel by 8/31/11 Orbitz Coupons Cash Back Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email 2011 Father's Day Cash Back Sale Merchants 0 Posted By FatWallette Views 289 Replies 0 No soap-on-a-rope this year Check out the Father's Day Cash Back Sale for gifts up to par plus score cash back No mulligans allowed unless of course you take Dad golfing. May 17 - June 19 Cash Back Sale Stores # A - C 1-800-Flowers 5/17-5/31 Now 10.0% Was 4.0% 1-800-Flowers Coupons and Cash Back Bargain Outfitters 5/17-6/19 Now 5.0% Was 4.0% Bargain Outfitters Coupons and Cash Back Baseball Savings 5/17-6/19 Now 5.0% Was 4.0% Baseball Savings Coupons and Cash Back CarRentals 5/17-6/30 Now 3.0% Was 2.0% CarRentals Coupons and Cash Back Coastal Contacts 5/17-6/30 Now 11.0% Was 8.0% Coastal Contacts Coupons and Cash Back D - L Dancing Deer Baking Co 5/13-6/9 Now 8.0% Was 6.0% Dancing Deer Baking Co Coupons and Cash Back David's Cookies 5/13-6/9 Now 6.0% Was 5.0% David's Cookies Coupons and Cash Back eCOST 5/17-6/19 Now 4.0% Was 1.0% eCOST Coupons and Cash Back Fannie May Candies 5/17-6/30 Now 11.0% Was 6.0% Fannie May Candies Coupons and Cash Back FOSSIL Online 5/17-6/19 Now 9.0% Was 7.0% FOSSIL Online Coupons and Cash Back GameStop 5/13-5/31 Now 4.0% Was 3.0% GameStop Coupons and Cash Back Gardener's Supply Company 5/17-6/30 Now 7.0% Was 5.0% Gardener's Supply Company Coupons and Cash Back GNC 5/17-6/19 Now 11.0% Was 10.0% GNC Coupons and Cash Back The Golf Warehouse 5/17-6/19 Now 5.0% Was 3.0% The Golf Warehouse Coupons and Cash Back GUESS 5/17-6/19 Now 5.0% Was 3.0% GUESS Coupons and Cash Back Kmart 5/17-6/19 Now 5.0% Was 3.0% Kmart Coupons and Cash Back Lord Taylor 5/17-6/19 Now 5.0% Was 4.0% Lord-Taylor Coupons and Cash Back M - Z Mac Connection 5/17-6/30 Now 3.0% Was 2.0% Mac Connection Coupons and Cash Back Microsoft Store 5/17-6/17 Now 5.0% Was 4.0% Microsoft Store Coupons and Cash Back MyJewelryBox 5/17-6/19 Now 9.0% Was 8.0% MyJewelryBox Coupons and Cash Back PC Connection 5/17-6/30 Now 3.0% Was 2.0% PC Connection Coupons and Cash Back Puritans Pride 5/17-6/30 Now 9.0% Was 7.0% Puritans Pride Coupons and Cash Back Shutterfly 5/17-6/30 Now 5.0% Was Up to 4.0% Shutterfly Coupons and Cash Back Soccer Savings 5/17-6/19 Now 4.0% Was 3.0% Soccer Savings Coupons and Cash Back The Sportsman's Guide 5/17-6/19 Now 5.0% Was 4.0% The Sportsman's Guide Coupons and Cash Back Under Armour 5/17-6/19 Now 8.0% Was 6.0% Under Armour Coupons and Cash Back Vitacost 5/17-6/30 Now 6.0% Was 5.0% Vitacost Coupons and Cash Back Webroot 5/17-6/30 Now 20.0% Was 15.0% Webroot Coupons and Cash Back Zazzle 5/17-6/19 Now 13.0% Was 11.0% Zazzle Coupons and Cash Back $139 for 24 All Natural Gourmet Steaks or 46-Piece Chicken or Pork Pack Reg. $295 FREE SHIPPING http // doubletakedeals /deals/NJ-Mercer/20110511/5929 Certificates are valid FROM THE DAY AFTER PURCHASE until 8/17/2011. $139 for 24 All Natural Gourmet Steaks or 46-Piece Gourmet Chicken or Pork Pack Reg. $295 Merchant will abide by gift certificate state laws. No Cash Back. Must be used in one visit. Certificate cannot be combined or used in conjunction with any other offer coupon or promotion. Cannot be used for tax. Certificate valid for three months. Free Shipping. Go to ranchsteaks to place your order fill out the form on our home page with your voucher/redemption number and write Double Take Deals in the Comments box.Certificate valid until 8/17/2011. After expiration date merchant will abide by certificate state laws. No Cash Back. Kata KT D-3N1-33 3 In 1 Sling /Backpack with Laptop Slot $69.88 ac / ar / fs @ amazon + more Kata promos linkazonAmazom is a seller in more buying options rebate formSave an Additional 20% on Select Kata Camera BagsShop today and save an additional 20% when you purchase one of the qualifying camcorders below from Amazon . To take advantage of this offer simply add the qualifying Kata bag from the list below to your Shopping Cart enter promotional code KATADISC and we'll automatically apply the discount off the current Amazon price at checkout.One discount per customer limit of one product per customer. This offer is valid through June 30 2011 or while supplies last applies only to purchases of products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon sitemore kata promos Interchange Fees FYI Fees merchants get charged when you shop there with your credit card. This one is visa.I never knew this was so variable.. visa interchange fees Top 10 Popular Products from The North Face + 4.0% Cash Back 0 Posted By FatWallette Views 232 Replies 0 The North Face is the premier supplier of authentic technically innovative outdoor products. Enabling outdoor enthusiasts to Never Stop Exploring our equipment apparel and footwear are designed to withstand extreme conditions.4.0% Cash Back Available Special Offers from The North Face Women's Resolve Jacket - $80.00 Women's Venture Jacket - $99.00 Men's Pursuit Jacket - $129.00 Men's Downieville Short - $95.00 Men's Murray Dee Jersey - $65.00 Men's In a Pinch Anorak - $89.00 Dirt Merchant Glove - $40.00 Switchback 15 Hydration Pack - Starting at $95.00 Men's Hedgehog GTX XCR III - $110.00 Jester Backpack - $55.00 The North Face Coupons Cash Back 4.0% Cash Back Available Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Capital One - Free $200 for New Rewards Checking Account New Code RC2 Same as this from last year except new code.If your checking account isnt working overtime for you then its time for one that will. Rewards Checking from Capital One Bank is designed to give you more. It earns automatic rewards plus starts you out with $200just make your first direct deposit within 90 days of opening your account. EARN REWARDS AUTOMATICALLY WHEN YOU Write checksShop with your debit cardPay bills onlineRedeem for what you likecash travel or merchandise. Plus combine your rewards with your other Capital One accounts and redeem rewards even faster OPENING AN ACCOUNT IS EASYJust visit us online or call 1-800-987-BANK 2265 and use promo code RC2. You can also bring a copy of this e-mail to a Capital One Bank branch near you. And with the most ATMs and branches in the D.C. metro area were easy to find. $50 minimum opening deposit required. Customer purchases checks. No minimum balance requirement for the first year. After the first year $8.95 per month for balances below $1 500. Bank rules and regulations apply. Ask us for details. The Capital One N.A. payroll/direct deposit promotion begins at 12 01 a.m. Eastern Time ET on May 5 2011 and ends at 11 59 p.m. on June 30 2011. The promotion is available to new bank checking customers only and is limited to consumers who have not opened a personal checking account and received a cash incentive in the previous 12 months. Direct deposit is subject to your employer or other payor offering the direct deposit option. A payroll/direct deposit transaction must post to your account within 90 days of account opening. You will receive a $200 credit to your checking account approximately 6-8 weeks after the first payroll/direct deposit transaction is posted to your account. Accounts must be in good standing not in default closed suspended or otherwise not in good standing to receive the cash incentive. Tax refunds are not considered an eligible direct deposit to receive this incentive. This offer is valid on personal accounts only. This offer cannot be combined with any other Capital One Bank new account opening offer and is strictly non-transferable. Limit one payroll/direct deposit incentive offer per customer. Transfer features only available for Capital One-branded rewards accounts in good standing not overdrawn in default closed suspended or otherwise not in good standing . No transfers to cash rewards accounts or with any Partner cards. Rewards Checking Rewards Program Account holders will earn rewards for every debit card purchase 10 miles for each non-PIN-based purchase when 'credit' is chosen at checkout and 5 miles for each PIN-based purchase when 'debit/ PIN' is chosen at checkout . Account holders will also earn 10 miles for every electronic bill payment transaction via Online Bill Pay and recurring pre-authorized payment up to 10 transactions per month and 5 miles for all other customer-initiated withdrawal transactions up to 10 transactions per month . Rewards do not accumulate for fees of any kind such as NSF fees. Miles will be applied to the rewards balance on a monthly basis within 60 days after the end of each month. Limit one checking account related bonus/premium per consumer per calendar year. Capital One has the right to change or cancel this rewards program at any time. Anniversary Bonus Account holders will receive 1 000 miles on the first rewards membership anniversary with us if at least one debit card purchase is made during the first membership year. This bonus will be applied to the rewards balance within 60 days following the rewards membership anniversary date. Account Opening Bonus for New Accounts Account holders will receive a one-time bonus of 1 000 miles when a new account is opened and the first transaction posts to the checking account. This bonus will be applied to the rewards balance within 60 days of the transaction amount posting to the account. Direct Deposit Bonus Account holders will receive a one-time bonus of 4 000 miles when the first direct deposit transaction posts to the checking account. Direct deposit must occur within 90 days of opening to qualify. This bonus will be applied to the rewards balance within 60 days of the transaction amount posting to the account. The number of miles required by the customer for travel redemption will depend on the cost of the itinerary chosen by the customer at the time of redemption. The mileage requirement is as follows 15 000 miles are required for tickets up to $150.00 35 000 miles are required for tickets from $150.01 up to $350.00 60 000 miles are required for tickets from $350.01 up to $600.00. For tickets over $600.00 in value the required number of miles will be determined by multiplying the cost of the ticket by 100 ex. $768 ticket requires 76 800 miles . The number of miles required to redeem for non-air travel redemptions will vary by rewards product and are subject to change at any time without notice. Customer can visit capitalone /nohasslerewards to register the account and see a complete description of current redemption offers. Customer is responsible for all associated taxes airport security charges fuel surcharges and other usage fees required for travel. These charges will be included in the overall calculation to determine the appropriate number of miles required for redemption.The listed merchants are in no way affiliated with Capital One N.A. nor are the listed merchants considered sponsors or co-sponsors of this program. Use of merchant names and/or logos are by permission of each respective merchant and all trademarks are the property of their respective owners. Capital One and its service providers are committed to protecting your privacy and ask you not to send sensitive account information through e-mail. If you are not a Capital One customer and believe you received this message in error please notify us by responding to this e-mail.Products and services are offered by Capital One N.A. Member FDIC.2011 Capital One. Capital One is a federally registered service mark. All rights reserved. 15000 Capital One Drive Attn 12038-0111 Richmond Virginia 23238. To contact us by mail please use the following address Capital One PO Box 4199 Houston TX 77210-4199. Merchant account questions I recently signed up for a merchant account with the intent of using it to pay myself with a rewards credit card.I told the servicing company that my business involved financial services specifically acounting / tax/ etc.On the paperwork that I filled out I used my SS # and listed the business as a sole proprietorship. I do have an employer identification number but didn't bother to look it up when I filled out the application.Now my question is whether or not I can get the servicer to put anything other than my name on the "client's" credit card statement when I begin to start processing payments.Otherwise Chase might pick up on what I am doing very quickly if I am charging $30K a month to James Hasty.When I ask the servicer to put the charges under a trade name do I need any documentation Does anyone know how much it would cost to register a trade name if that's what it takes Thanks in advance. Tax Implication for overseas merchant for using US based processors Here's the scenario For arguement's sake If I'm a US citizen and open up business overseas and want to use a US based CC processor for CC purchases what kind of legal trouble can I get into I want to keep the $$ outside of the foreign country. Am I subjected to US corporate taxes/personal taxes income How about if I use a European based CC processor What are the implications Whats your largest single credit card charge that you have done I just had a contractor not even bat an eye to charging the full $16 700 to my Schwab Visa. That was a new record for me. I was kinda surprised that he did it because as a small businessman those merchant fees must add up quickly to him. We didn't discuss method of payment at all until after we had negotiated the price.Where else have people been able to push through large charges $20 for $44 Worth Of Beauty Tool Merchandise Groupon I saw this on Facebook thought this was a really good deal to share Go to Groupon Deal for $44 of Beauty Items for just $20 Post Bailout Banking Industry Innovation $1.99 Monthly Security Fee at Dade County FCU. It might be the first fee this type in the country as FW and Google search brought up nothing.This morning I received an email from Dade County Federal Credit Union dcfcu.org advising they are instituting $1.99 monthly Security Fee for all checking accounts.The message says effective June 1 2011 all active checking accounts will be charged a $1.99 monthly security fee service offered by Merchants Information Solutions Inc. merchantsinfo .However the attached pdf flier says If you choose to waive this valuable security measure or have any questions or concerns about this new added protection on your account you are invited to contact us.It appears that a customer has an obligation to opt-out or be charged new monthly fee. Notice from DCFCU Changes Coming June 1 2011 $1.99 Security Fee ARE YOU AT RISK OF IDENTITY THEFT WOULD YOU LIKE THE ASSURANCE OF KNOWING YOU ARE PROTECTED Every day thousands of people become victims of identity theft. It is a billion dollar business for thieves and a billion dollar loss for victims. At Dade County Federal your privacy and the security of your financial information is our top priority and we are continually upgrading our systems to that end. To assist in providing the security measures to fight identity theft and fraud effective June 1 2011 all checking accounts will be charged $1.99 per month for security protection. As we implement these measures to safeguard your account we are offering another benefit to you. If you suspect or have confirmed identity theft of ANY kind even if it does not pertain to your Dade County Federal account we will provide professional identity theft recovery benefits covering both financial and non-financial fraud. WHAT DOES THIS MEAN FOR YOU This provides you with added protection if any of your financial and/or personal information is compromised. This new service will assign you a professional Identity Recovery Advocate who will assist you with the necessary paperwork and other details to help restore your identity and resolve any issues. Plus you have reimbursement insurance for any necessary recovery expenses up to $10 000* like lost wages or attorney fees. This service also extends to your immediate family members. Its a new dimension of security from Dade County Federal. If you choose to waive this valuable security measure or have any questions or concerns about this new added protection on your account you are invited to contact us New Acase TM Smart Cover Snap On Slim-Fit PC Case for Apple iPad 2 $8.5 + $4.5 ship after 50% promotion code Acase Link $16.95 + $4.50 shipping Use promotion code FI3JI44U @checkout to get 50% off of $16.95. Brooks Brothers Friends and Family Event 25% off 25% off @ Brooks Brothers MenWomen3 Polos for $129 Sale3 Shirts for $209 SaleMothers Day GiftsClearance Sections MenWomen elago E4R In-Ear Noise-Reducing Earphones Black with Superior Comfort $8.49 sss eligible @ amazon via JW elago E4R In-Ear Noise-Reducing Earphones Black with Superior Comfort Compatible with iPhone 4 1G/3GS iPod iTouch and iPad Technical Details * Silicone ear tips provide comfortable stable fit * Includes three sets of silicone ear tips small medium large * Great sound quality and bass response * Universal accessory for all iPod models as well as all digital audio players compatible with 3.5mm * Plug Gold plated 3.5mm Bank Of America 29.99% after 1 late payment Bank Of America just gave me notification that my existing accounts will turn to 29.99% if only 1 late payment occurs.I haven't used my Bank Of America cards and Im tempted to cancel the cards outright now since I owe no balance on them but I have significant credit lines so I wind up keeping them open. They seem to be doing everything to conduct policies to steer business away from them and in fact I have not done any business with BoA. They even have some of the worst customer service in the industry as well with their credit cards. Instead of BoA agreeing to get a cut of the merchant fees and the like they seem to be intent on trying to trap me up and gouge me even if a simple mistake is made and actually straight up telling me this in advance. Obviously they aren't and won't get a cent from me but it boggles the mind as to how many people actually fall over these traps. I do give credit to my senator Schumer for creating the Schumer box though so people can clearly see credit card offers before you accept them so you understand what you are getting into. Entertainment Books - Two Books for $25 plus Free Shipping - Works out to $7.50/book after CB Prices continue to drop...Not sure if FW will give $5 CB on each book or only on one. Can someone please confirm Either way it will be $7.50 or $10/book including shipping. DetailsETA $5/book CB confirmed by mark71mark and Deal2Deal below Fine Print Terms Conditions of Entertainment Book Membership Offer The 2011 Entertainment Book is a part of your 2011 Entertainment Membership Offer expires 05/15/11. Offer is valid while supplies last. Any two books for $25 with free standard shipping. All prices and discounts referenced are in U.S. dollars. Offer available through this email only. Offer not valid on prior purchases. Offer cannot be combined with any other offer coupon points other rewards programs or gift card programs. Entertainment Publications LLC retains the right to modify this program at any time without prior notice. All merchants offers referenced were accurate at time of deployment. You must own a 2011 Entertainment Book to activate the Entertainment Book Companion App. Entertainment Book Companion App displays content from participating merchants. Kensington PocketHub 3-Port USB and iPhone 4 3G S iPod Sync $14.99 ar / fs @ buy Kensington PocketHub 3-Port USB and iPhone 4 3G S iPod Sync$15 Mail in Rebate Purchase this Kensington Product from Buy and receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/25/2011 to 5/1/2011 Entertainment Books - Two Books for $25 plus Free Shipping - Works out to $10/book or $7.50/book after CB Prices continue to drop...Not sure if FW will give $5 CB on each book or only on one. Can someone please confirm Either way it will be $7.50 or $10/book including shipping. DetailsFine Print Terms Conditions of Entertainment Book Membership Offer The 2011 Entertainment Book is a part of your 2011 Entertainment Membership Offer expires 05/15/11. Offer is valid while supplies last. Any two books for $25 with free standard shipping. All prices and discounts referenced are in U.S. dollars. Offer available through this email only. Offer not valid on prior purchases. Offer cannot be combined with any other offer coupon points other rewards programs or gift card programs. Entertainment Publications LLC retains the right to modify this program at any time without prior notice. All merchants offers referenced were accurate at time of deployment. You must own a 2011 Entertainment Book to activate the Entertainment Book Companion App. Entertainment Book Companion App displays content from participating merchants. Kensington Quick Release Car Mount - K39256US $12.99 ar / fs @ buy Kensington Quick Release Car Mount - K39256US$10 Mail in Rebate Purchase this Kensington product from Buy and receive a $10 Mail-in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/25/2011 to 5/1/2011 Last-Minute Mother's Day Gift Cards from GiftCards + Up to 3.5% Cash Back 0 Posted By FatWallette Views 98 Replies 0 GiftCards sells Visa Gift Cards with Create A Card capabilities for you to create your own customized Visa Gift Card. Choose your Visa Gift Card's personality by selecting a background from our design gallery or build a card from scratch by uploading a personal photo. GiftCards sells merchant gift cards to your favorite retailers and restaurants. We also service large corporate clients for their corporate incentives and rewards programs. The GiftCards Visa Gift Card is issued by First Gulf Bank N.A. pursuant to license from Visa U.S.A. Inc Up to 3.5% Cash Back Available Special Offers from GiftCards Free Upgrade to Create-A-Card use coupon MOMDAD2011 Visa MasterCard Gift Cards Available Up to 25% off Merchant Gift Cards GiftCards Coupons Cash Back Up to 3.5% FatWallet Cash Back Available $1.25 Cash Back on Visa Card and Mastercard Gift Cards. 3.5% Cash Back on all other gift card purchases. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email 2011 Cash Back Sale Merchants for Grads 0 Posted By FatWallette Views 83 Replies 0 Get extra credit on your purchases and shop the Graduation Cash Back Sale April 26 - May 31. It's where top-of-the-class shoppers get educated on the Web's best deals. Cash Back Sale Stores # A - C Advance Auto Parts 4/26-5/31 Now 7.0% Was 5.0% Advance Auto Parts Coupons and Cash Back Bargain Outfitters 4/26-5/31 Now 5.0% Was 4.0% Bargain Outfitters Coupons and Cash Back Coastal Contacts 4/26-5/31 Now 11.0% Was 8.0% Coastal Contacts Coupons and Cash Back D - L Designer Living 4/26-5/31 Now 9.0% Was 8.0% Designer Living Coupons and Cash Back Hotel Club 4/26-5/31 Now 2.5% Was Up to 5.0% Hotel Club Coupons and Cash Back CarRentals 4/26-5/31 Now 3.0% Was 2.0% CarRentals Coupons and Cash Back Hotwire 4/26-5/31 Now Up to 3.0% Was Up to 2.0% Hotwire Coupons and Cash Back Hot Topic 4/26-5/31 Now 5.0% Was 4.0% Hot Topic Coupons and Cash Back M - Z Microsoft Store 4/26-5/31 Now 5.0% Was 4.0% Microsoft Store Coupons and Cash Back Prescriptives 4/26-5/31 Now 7.0% Was 4.0% Prescriptives Coupons and Cash Back Puma 4/26-5/31 Now 7.0% Was 6.0% Puma Coupons and Cash Back Puritans Pride 4/26-5/31 Now 9.0% Was 7.0% Puritans Pride Coupons and Cash Back Shutterfly 4/26-5/31 Now 5.0% Was Up to 4.0% Shutterfly Coupons and Cash Back The Sportsman's Guide 4/26-5/31 Now 5.0% Was 4.0% The Sportsman's Guide Coupons and Cash Back Tillys 4/26-5/31 Now 7.0% Was 6.0% Tillys Coupons and Cash Back Torrid 4/26-5/31 Now 5.0% Was 4.0% Torrid Coupons and Cash Back Webroot 4/26-5/31 Now 20.0% Was 15.0% Webroot Coupons and Cash Back Zazzle 4/26-5/31 Now 13.0% Was 11.0% Zazzle Coupons and Cash Back 30% Off Your Dell Refurbished Computers Order 4/27 Only -1 Posted By FatWallette Views 251 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 30% Off Your Order - 4/27 Only use coupon FatWallet1Day30P Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Brooks Brothers 75% off Black Fleece Sale - 12 hours http // brooksbrothers /flashSale.process IWAction=Load Me...Got an email today a "private" sale via email. All the stuff I wanted sold out already sale started two days ago. Especially wanted one of the slick suits.Please no thread crapping if you can't afford. These are quality suits made by a legendary company. Oil Change at NTB Tire Kingdom or Merchants Tire $9.99 was $19.99 @ NTB Tire Kingdom and National Tire This Deal Has Expired $9.99 Oil Change at NTB/TIRE KINGDOM or MERCHANTS TIRE expires 4/30 http // ntb /Discounts-Coupons-Detail/12 http // tirekingdom /Discounts-Coupons-Detail/12 http // merchantstire /Discounts-Coupons-Detail/12 Existing BOA Visa Accounts Earn 3x or 5x Points at GAS/GROCERY/DRUG STORES/RESTAURANTS to 6/30 sign up req'd https //easyrewards.bankofamerica /Default3.aspxCongratulations You have successfully enrolled in the 3x bonus points offer. Now simply use your credit card for purchases at these types of merchants and earn 3x points up to 2 500 points through June 30 2011 Gas Stations Grocery Stores Drug Stores Restaurants bankofamerica log into your Signature Visa accountchoose Account Details gt gt gt Rewards to see if you have the 3x points offer and YOU MUST THEN REGISTER FOR IT not automatic. enrolled in the 3x bonus points offer. Now simply use your credit card for purchases at these types of merchants and earn 3x points up to 2 500 points through June 30 2011 Gas Stations Grocery Stores Drug Stores Restaurants Existing BOA Visa Accounts Earn 3x Points at GAS/GROCERY/DRUG STORES/RESTAURANTS to 6/30 sign up req'd https //easyrewards.bankofamerica /Default3.aspxCongratulations You have successfully enrolled in the 3x bonus points offer. Now simply use your credit card for purchases at these types of merchants and earn 3x points up to 2 500 points through June 30 2011 Gas Stations Grocery Stores Drug Stores Restaurants bankofamerica log into your Signature Visa accountchoose Account Details gt gt gt Rewards to see if you have the 3x points offer and YOU MUST THEN REGISTER FOR IT not automatic. enrolled in the 3x bonus points offer. Now simply use your credit card for purchases at these types of merchants and earn 3x points up to 2 500 points through June 30 2011 Gas Stations Grocery Stores Drug Stores Restaurants Kensington AssistOne Handsfree Car Device with Voice Activation $46.99 ar / fs @ buy Kensington AssistOne Handsfree Car Device with Voice Activation - K39200US$20 Mail in Rebate Purchase this Kensington product from Buy and receive a $20 Mail-in rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/18/2011 to 4/24/2011 Easter Sunday Funday - AMF Unlimited Bowling - $10 + Valid 4/24 only - $10 each + shoes etc...Sunday Funday Kingston 64GB SSDNow V100 Series 2.5" SATA II Solid State Drive Desktop Kit $74.95 ar / fs @ buy Kingston 64GB SSDNow V100 Series 2.5" SATA II Solid State Drive Desktop Kit - SV100S2D/64GZ$45 Mail in Rebate Purchase this Kingston Product from Buy and receive a $45 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/18/2011 to 4/24/2011 Kensington PowerLift iPhone 4 3GS 3G Back-Up Battery Dock and Stand - K39253US $19.99 ar / fs @ buy Kensington PowerLift iPhone 4 3GS 3G Back-Up Battery Dock and Stand - K39253US$15 Mail in Rebate Purchase this Kensington Product from Buy and receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/18/2011 to 4/24/2011 Online Poker gambling coming to an end in the US For those of you that supplement your income with online poker it looks like it may be coming to an end at least in the US Sites charged with gambling offensesThe poker world was shaken Friday as the owners of the three largest online poker sites PokerStars Full Tilt Poker and Absolute Poker were charged with bank fraud illegal gambling offenses and money laundering. The Manhattan U.S. Attorney announced the indictments of those involved with the online poker sites as well as those who were responsible for the financial transactions. The 11 defendants are Isai Scheinberg and Paul Tate PokerStars Raymond Bitar and Nelson Burtnick Full Tilt Poker Scott Tom and Brent Beckley Absolute Poker and Ryan Lang Ira Rubin Bradley Franzen Chad Elie and John Campos involved with payment processors . Manhattan U.S. Attorney Preet Bharara said in the indictment "As charged these defendants concocted an elaborate criminal fraud scheme alternately tricking some U.S. banks and effectively bribing others to assure the continued flow of billions in illegal gambling profits. Moreover as we allege in their zeal to circumvent the gambling laws the defendants also engaged in massive money laundering and bank fraud. Foreign firms that choose to operate in the United States are not free to flout the laws they don't like simply because they can't bear to be parted from their profits." The charges are conspiracy to violate Unlawful Internet Gambling Enforcement Act UIGEA violation of UIGEA operation of illegal gambling business conspiracy to commit bank fraud and wire fraud and money laundering conspiracy . Maximum penalties from these charges range from five years in prison and a $250 000 fine to 30 years in prison and a $1 000 000 fine or twice the gross gain or loss . "These defendants knowing full well that their business with U.S. customers and U.S. banks was illegal tried to stack the deck " said Janice Fedarcyk FBI assistant director-in-charge. "They lied to banks about the true nature of their business. Then some of the defendants found banks willing to flout the law for a fee. The defendants bet the house that they could continue their scheme and they lost." The complaint also alleged that these companies used "fraudulent methods" to trick financial institutions into receiving payments. " The sites arranged for the money received from U.S. gamblers to be disguised as payments to hundreds of non-existent online merchants purporting to sell merchandise such as jewelry and golf balls." "On behalf of the millions of poker players across the country we are shocked at the action taken by the U.S. Department of Justice today against online poker companies and will continue to fight for Americans' right to participate in the game they enjoy " said the Poker Players Alliance in a press release. "Online poker is not a crime and should not be treated as such. We are currently gathering all of the information around today's announcement and will offer detailed analysis when the full facts become available." The past few years there have been numerous seizures and indictments of payment processors in the United States who were handling the financial transactions of the online poker sites. As processors continued to be targeted and shut down by federal prosecutors the sites turned to a new direction to the point that sites "purchased the principals of a few small local banks" that were facing tough financial times "in return for multi-million dollar investments in the banks." Campos and Elie were arrested Friday morning and the Southern District of New York has stated it is working with Interpol to arrest those located abroad. Early Friday afternoon PokerStars prohibited online poker players in the United States from participating in real-money gaming. At press time Full Tilt Poker and Absolute Poker were still offering American players access to their sites. ESPN contacted Carolyn Sullivan of the U.S. Department of Justice but she was unable to comment at this time. PokerStars did not reply to ESPN 's interview request and Full Tilt Poker declined to comment on the situation at the moment. 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Offer valid from 4/14/2011 to 4/21/2011Features Tech Features Product Type RAM Module Tech Features Manufacturer Part Number KHX8500D2T1K2/4G Tech Features Manufacturer Website Address kingston Tech Features Manufacturer Kingston Technology Company Tech Features Product Name HyperX 4GB DDR2 SDRAM Memory Module Tech Features Product Line HyperX Tech Features Brand Name Kingston Tech Features Form Factor 240-pin DIMM Tech Features Number of Modules 2 x 2 GB Tech Features Memory Speed 1066 MHz Tech Features Memory Size 4 GB Tech Features Memory Technology DDR2 SDRAM Tech Features Standard Warranty Lifetime Limited Tech Specs Tech Specs Product Type RAM Module Tech Specs Manufacturer Part Number KHX8500D2T1K2/4G Tech Specs Manufacturer Website Address kingston Tech Specs Manufacturer Kingston Technology Company Tech Specs Product Name HyperX 4GB DDR2 SDRAM Memory Module Tech Specs Product Line HyperX Tech Specs Brand Name Kingston Tech Specs Green Compliance Yes Tech Specs Green Compliance Certificate/Authority EU RoHS China RoHS EU WEEE Tech Specs Form Factor 240-pin DIMM Tech Specs Error Checking Non-ECC Tech Specs Number of Modules 2 x 2 GB Tech Specs Signal Processing Unbuffered Tech Specs Memory Speed 1066 MHz Tech Specs Memory Size 4 GB Tech Specs Memory Technology DDR2 SDRAM Tech Specs Memory Standard DDR2-1066/PC2-8500 Tech Specs Standard Warranty Lifetime Limited 40% off Circus Circus Las Vegas from $58 at Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 159 Replies 0 Orbitz Worldwide is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. 40% off Circus Circus Las Vegas from $58 Buy Two Get One Free on Two Night Stays at London Marriott Hotel County Hall from $233 a night 3rd Night Free at The Westin Princeville Ocean Resort Villas with Daily Breakfast from $226 a Night Cheap Domestic Flights from $79 Orbitz Coupons Cash Back Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Citibank Thank you Card 150$ Gift card after $700 Purchase 0% APR 12 months no annual fee I saw this and apply for this and it disappear of the site. I got my freedom card to early before the bonus and I always like my citibank platinum dividend end card. Main points -Spend 700$ in 3 months and get 150$ worth in gift card Thank you points -12 month no 0% APR -No annual Fee -Expire 4/15/11http //creditcards.citicards /usc/thankyou/PreferredLTO/inter... Other Copied Info Take advantage of this great limited time gift card offer and get the rewards card that lets you Earn unlimited ThankYou Points for the purchases you make every day.Get 16 000 bonus ThankYou Points when you make $700 in purchases within the first 3 monthsenough for your choice of $150 in gift cards.**Earn 2 ThankYou Points for every $1 you spend on purchases during the first 12 months and 1 point for every $1 you spend on purchases thereafter.There's no limit on the number of points you can earn. Enjoy a low APR on purchases and balance transfers.* Easily earn additional points. Redeem your points for virtually anything. Get the Citi ThankYouSM Preferred Card and earn points for the things you buy every day. If you do not meet our criteria for the Citi ThankYouSM Preferred Card your application may be processed for the Citi ThankYouSM Card. * Length of your introductory period will be 0% for 12 months from the date of account opening on purchases and balance transfers. After the introductory period ends your standard APR for purchases will be applied to unpaid promotional balances and new purchases. As of November 9 2010 the standard variable APR for purchases for the Citi ThankYou Preferred Card is 12.99% 16.99% or 20.99% in that order based on your creditworthiness. If you are approved for the Citi ThankYou Card the standard variable APR for purchases will be 20.99%. The standard variable APR for cash advances is 25.24%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge$0.50. Fee for Foreign Purchases3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance feeEither $10 or 5% of the amount of each cash advance whichever is greater. Balance transfer feeEither $5 or 3% of the amount of each transfer whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations terms and conditions apply. You will be given further information when you apply. ** You will receive 16 000 bonus ThankYou Points after $700 in purchases are made with your card within 3 months of account opening. Once these points post to your account you may redeem for your choice of $150 in gift cards good at leading national merchants or save them to use for other great rewards. Citi ThankYou Rewards Citi ThankYouSM and Citi ThankYouSM Preferred Card Terms and Conditions Citi ThankYou Rewards is offered to certain cardmembers "you" at the sole discretion of Citibank South Dakota N.A. "we" the issuer of your card account "Card Account" . ThankYou Rewards or any portion thereof may be revised or terminated with 30 days prior written notice. Any revisions may affect your ability to use the ThankYou Points you have already accumulated. If ThankYou Rewards is terminated you will only have 90 days from ThankYou Rewards termination date to redeem all your accumulated ThankYou Points "ThankYou Points" . Rewards offered by ThankYou Rewards and the ThankYou Point levels required for specific rewards are subject to change without notice. Unless you are participating in a limited-time offer you will earn one ThankYou Point for every dollar you spend on purchases. Only purchases are eligible to earn ThankYou Points. ThankYou Points will not expire as long as you have qualifying purchase activity at least once every 12 months unless we terminate ThankYou Rewards. At the end of each Citi ThankYou Card account membership year your membership year begins the date you become a Citi ThankYou cardmember and resets each year on that date you will also earn an Anniversary Bonus calculated as a percentage of ThankYou Points earned from purchases during that membership year as follows Membership YearAnniversary Bonus % 0 - 11% 1 - 22% 2 and after3% Note the Anniversary Bonus calculation does not include any other points you may have earned during that membership year. It may take 1-3 billing statements for the Anniversary Bonus to post to your Card Account at the end of each membership year. You may earn ThankYou Points as long as your Card Account is open and current. If your Card Account is closed you will not be able to earn ThankYou Points and you will lose any accumulated ThankYou Points that have not been transferred to your ThankYou Member Account. Balance transfers cash advances convenience checks returned purchases disputed or unauthorized purchases/fraudulent transactions finance charges Card Account fees and fees for services and programs you elect to receive through us do not earn ThankYou Points unless otherwise specified. If you are approved for a Card Account a ThankYou Rewards Member Account "ThankYou Member Account" will be set up for you. ThankYou Points post to your Card Account at the close of each billing cycle and at that time we will transfer the ThankYou Points you earned to your ThankYou Member Account. ThankYou Points are not eligible for redemption until they are transferred to your ThankYou Member Account. ThankYou Points may not be redeemed and may be lost if your Card Account is not open or current. Earn 100 points for signing-up for Account Online and 100 points for enrolling in Paperless Statements. Bonus points are awarded one time for new enrollments. If you are already enrolled in these programs you will not receive bonus points. All points become available for redemption when they are transferred from your Card Account to your ThankYou Member Account. Credit cards that keep your *shipping* addresses on file An online merchant is saying if your shipping address does not match your billing address then you must add the shipping address to the credit card account. This sounds like a good approach to mitigating the guessing game on the part of the merchant who needs to know if the alternate shipping address isn't fraudulent. So the question is what credit card issuer gives clients a way to specify authorized shipping addresses I've never seen this option before. My banks appear to have a single "billing" address and that's it. Fantom Drives G-Force 2TB eSATA\USB 2.0 Hard Drive - GF2000EU32 $89.99 ar / fs @ buy Fantom Drives G-Force 2TB eSATA\USB 2.0 Hard Drive - GF2000EU32$10 Mail in Rebate Purchase this Fantom Hard Drive from Buy and Receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/12/2011 to 4/18/2011 Kingston 64GB SSDNow V100 Series 2.5" SATA II Internal Solid State Drive - SV100S2/64GZ $74.95 ar / fs @ buy Kingston 64GB SSDNow V100 Series 2.5" SATA II Internal Solid State Drive - SV100S2/64GZ$40 Mail in Rebate Purchase this Kingston Product from Buy and receive a $40 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/7/2011 to 4/14/2011 Save $20 when you order three eligible Disney Combo Pack titles at amazon Save $20 when you order three eligible Disney Combo Pack titles below. This offer is valid through April 23 2011. Applies only to products sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. http // amazon /gp/feature.html/ref=amb_link_355670542_3 i... 0% 15 Months BT and Purchases $5.00 or 3% BT Fees 6000 Points after spending $300 within three months CITI Thank You Card Linky1. You will receive 6 000 bonus ThankYou Points after $300 in purchases are made with your card within 3 months of account opening. Once these points post to your account you may redeem for your choice of a $50 gift card good at leading national merchants or save them to use for other great rewards.2. Length of your introductory period will be 0% for 15 months from the date of account opening on purchases and balance transfers. After the introductory period ends your standard APR for purchases will be applied to unpaid promotional balances and new purchases. The standard variable APR for purchases for the Citi ThankYou Preferred Card is 12.99% 16.99% or 20.99% in that order based on your creditworthiness. If you are approved for the Citi ThankYou Card the standard variable APR for purchases will be 20.99%. The standard variable APR for cash advances is 25.24%. The variable Penalty APR is up to 29.99% and may be applied if you make a late payment or make a payment that is returned. Minimum interest charge - $0.50. Fee for Foreign Purchases 3% of the U.S. dollar amount of each purchase made outside the U.S. Cash advance fee Either $10 or 5% of the amount of each cash advance whichever is greater. Balance transfer fee Either $5 or 3% of the amount of each transfer whichever is greater. New cardmembers only. Subject to credit approval. Additional limitations terms and conditions apply. You will be given further information when you apply. 25% Off Any Item this Weekend at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 88 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . 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Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Crazy8 Clearance Sale Up to 50% off + extra 30% off Crazy8 a children's clothing store owned by Gymboree takes an extra 30% off select items which are already marked up to 50% off during it's Spring Sale. Prices are reflected on the product page. Plus all orders qualify for $5 flat-rate shipping. That's the best extra discount we've seen from this merchant so far this year. We saw up to 70% off select items in February. Sales tax is added where applicable.Link Crazy 8 Kingston HyperX 12GB 3 X 4GB DDR3 SDRAM 1600MHz DDR3-1600/PC3-12800 240-pin Desktop Memory $109.95 ar / fs @ buy Kingston HyperX 12GB 3 X 4GB DDR3 SDRAM 1600MHz DDR3-1600/PC3-12800 240-pin Desktop Memory$40 Mail in Rebate Purchase this Kingston Product from Buy and receive a $40 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/7/2011 to 4/14/2011 Kingston Apple 8GB Kit 2 X 4GB Modules DDR3 1066MHz SODimm C7 iMac and Macbook Pro Memory $67.95 ar / fs @ buy Kingston Apple 8GB Kit 2 X 4GB Modules DDR3 1066MHz SODimm C7 iMac and Macbook Pro Memory$20 Mail in Rebate Purchase this Kingston Product from Buy and receive a $20 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/7/2011 to 4/14/2011 NETGEAR FS105 Prosafe 5 Port 10/100 Desktop Switch $12.99 ar / fs @ buy NETGEAR FS105 Prosafe 5 Port 10/100 Desktop Switch$10 Mail in Rebate Purchase this NETGEAR product from Buy receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 4/1/2011 to 6/30/2011 Zyrtec Allergy 24 Hour 10 mg Tablets - 45 Count - $8.75 - $0.194/pill AC and Amazon SnS FS Amazon dropped the price for 45 ct. Zyrtec to $15.00 Select Subscribe and Save for 15% off $15.00 can cancel anytime On the same page is a coupon for $4.00 off.Net cost is $8.75.LinkazonIf Amazon is not the seller click on the link under More Buying Choices on the lower right of the page. Zyrtec Allergy 24 Hour 10 mg Tablets - 45 Count - $8.75 FS w/ Prime - $0.194/pill AC and Amazon SnS Amazon dropped the price for 45 ct. Zyrtec to $15.00 Select Subscribe and Save for 15% off $15.00 can cancel anytime On the same page is a coupon for $4.00 off.Net cost is $8.75.LinkazonIf Amazon is not the seller click on the link under More Buying Choices on the lower right of the page. Qatar Airways is 2-for-1 Airfare Sale 2 for 1 @ QatarAirways Destination map. Terms and conditions Terms and Conditions -Offer is only valid for bookings made through qatarairways /100 -Travel between 1st May and 10th June 2011 all travel completed by 10th June -Purchase dates 7th and 8th April 2011 according to the local time of your departure city -Offer applicable to fare only. Taxes amp fees must be paid -Valid on Qatar Airways operated flights only -Limited to Economy class Booking classes K Q M L B and Y only -Offer applies to return trips only See merchant's site for complete list of conditions Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity - SD6G2/16GB $27.74 ar / fs @ buy Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity - SD6G2/16GB$5 Mail in Rebate Purchase this Kingston Product from Buy and receive a $5 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/29/2011 to 4/6/2011 Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity - SD6G2/16GB $27.99 ar / fs @ buy Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity - SD6G2/16GB$5 Mail in Rebate Purchase this Kingston Product from Buy and receive a $5 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/29/2011 to 4/6/2011 Subjekt Xi DJ Headphones w/Super-sized Memory Foam Cushions HD-AK1000MC for $14.99 @ Buy The new Subjekt X is a super flexible product with supersized cushions for extreme comfort and enhanced listening experience. The supersized cushions made of memory foam fill like pillow around your ears. You can rock these bad boys for a long period of time without your ears becoming fatiqued or sweaty. Click Here and add to cart for $14.99 + Free Shipping Offered by Third Party Merchant Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity $24.95 ar / fs @ buy Kingston 16GB Ultimate Class 6 100X Secure Digital High Capacity - SD6G2/16GB$5 Mail in Rebate Purchase this Kingston Product from Buy and receive a $5 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/29/2011 to 4/6/2011 $120 Off Laptops $399+ $75 Off Desktops $239+ $25 Off Monitors $99+ 2% Cash Back at Dell Refurbished Computers 0 Posted By FatWallette Views 212 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers $25 off Monitors $99 and up use coupon Sav$25Monitor$99up $120 off Any Laptop $399 and up use coupon Sav$120Lap$399up $75 off Desktop $239 and up use coupon Sav$75Desk$239up Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email EXPIRED 2Days Only 3x SanDisk Clip+ 4GB Black Refurbished + 8GB microSD under 80$ Just to say I love sandisk Clip and I have 2 of the original. 1 Which I brought new from WalMart broke in 6 months Now it's in parts the battery got disconnected and another refurbished from woot that last 1.5 year and still going. Anyhow I brought a 4GB white sandisk clip for 47.96$ from Amazon and it died after 50% battery life defective item returned.. Idk I kind of trust refurbished products more for the above reason anyhow Above is Blah stuff I just abused Newegg 25$ off coupon Newegg cuts $25 off orders of $100 or more via coupon code "newgeek25" I brought 3x Refurbished 4GB Sandisk Clip + And 8GB micro SDRecipe Shipping from CA USA 3 Recertified SanDisk Sansa Clip+ 1.0" Black 4GB MP3 Player Item # N82E16855125148 Standard Return Policy $89.97 $29.99 ea 1 Transcend 8GB Micro SDHC Flash Card with SD Adapter Model TS8GUSDHC2 Item # N82E16820208503 Standard Return Policy $11.99 Subtotal$101.96 Tax$0.00 Egg Saver 4-7 Days $2.99 Promo code-$25.00 Order Total$79.95On top of that... Using my brain I brought 1 Square trade warranty for MP3 player and only 1 with a single price. with a 30% off coupon.. for ~ 9$.In Summary 88$ for 3 sandisk clip 4GB + 1 micro sd 8GB card and 3 years accidental warranty on 3 device with 1 usage of course For the people who loves sandisk clip+ PS FatWallet CashBack too A total of $1.15 Cash Back has been reported to us today MerchantPurchase AmountCash BackOrder IDPurchase DateAvailable On Newegg $76.96$1.15 59366539Mar 30 2011Jun 28 2011 Note Qty Product Description Price Order # 59366539 1 Transcend 8GB Micro SDHC Flash Card with SD Adapter Model TS8GUSDHC2 Item # N82E16820208503 Standard Return Policy $11.99 3 Recertified SanDisk Sansa Clip+ 1.0" Black 4GB MP3 Player Item # N82E16855125148 Standard Return Policy $299.97 $89.97 $29.99 ea Subtotal $101.96 Tax $0.00 Egg Saver 4-7 Business Days $2.99 Promo Code -$25.00 Order Total $79.95 Kingston HyperX 6GB 3 X 2GB DDR3 SDRAM 1600MHz SDRAM 240-pin Desktop Memory $49.95 ar / fs @ buy Kingston HyperX 6GB 3 X 2GB DDR3 SDRAM 1600MHz SDRAM 240-pin Desktop Memory - KHX1600C9D3K3/6GX $30 Mail in Rebate Purchase this Kingston Product from Buy and receive a $30 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/31/2011 to 4/4/2011 navy federal platinum card - 8% APR no annual fee Credit unions often have better CC rates than commercial banks. Navy Federal's platinum card is 7.99%. That's not a teaser rate - that's the normal rate .To become a member of Navy Federal Credit Union check out this page. You must be either All Department of Defense DoD uniformed personnelArmy Marine Corps Navy and Air Force retirees and annuitantsAll Department of Defense ReservistsArmy Marine Corps Navy and Air Force retirees and annuitantsAll Army and Air National Guard Personnelcivilian employees retirees and annuitantsAll DoD Officer Candidate programsMidshipmen and cadets at the United States Naval Academy United States Military Academy United States Air Force Academy United States Coast Guard Academy and the United States Merchant Marine Academy Other Officer Programs*U.S. Government employees assigned to DoD installations including Coast Guard All DoD civilian employeesincluding retirees and annuitantsDoD contractors assigned to U.S. Government installationsFamily Membersincluding grandparents parents spouses siblings grandchildren children including adopted and stepchildren and household members. navy federal platinum card - 8% APR no annual fee Credit unions often have better CC rates than commercial banks. Navy Federal's platinum card is 7.99%. That's not a teaser rate - that's the normal rate .To become a member of Navy Federal Credit Union check out this page. You must be either All Department of Defense DoD uniformed personnelArmy Marine Corps Navy and Air Force retirees and annuitantsAll Department of Defense ReservistsArmy Marine Corps Navy and Air Force retirees and annuitantsAll Army and Air National Guard Personnelcivilian employees retirees and annuitantsAll DoD Officer Candidate programsMidshipmen and cadets at the United States Naval Academy United States Military Academy United States Air Force Academy United States Coast Guard Academy and the United States Merchant Marine Academy Other Officer Programs*U.S. Government employees assigned to DoD installations including Coast Guard All DoD civilian employeesincluding retirees and annuitantsDoD contractors assigned to U.S. Government installationsFamily Membersincluding grandparents parents spouses siblings grandchildren children including adopted and stepchildren and household members. 3-Pack of 26oz Stainless Eco Canteens $12.99 compare at $29.97 @ Buy That other deal I mentioned 3 bottles for $9.99 plus $3.62 to ship as outlined by my esteemed colleague and at the merchant's - GNC. This Deal Has Expired Best Buys for $4 or Less with Free Shipping at Shop4Tech + 5.0% Cash Back 0 Posted By FatWallette Views 233 Replies 1 Shop4tech is a thriving CD-R/DVD-R and consumer electronics E-retailer. We are dedicated to providing the best value and most pleasurable online experience for all recordable and electronics needs. We at shop4tech guarantee complete satisfaction in all of our products and services. 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We are dedicated to providing the best value and most pleasurable online experience for all recordable and electronics needs. We at shop4tech guarantee complete satisfaction in all of our products and services. 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The two fees are Putting money into a Serve account 2.9% + 30c/per load discounted to 0% for cash debit and ACH. ATM cash withdrawal after first one each month free $2.00 Unlike some other products in the market Serve has no fees to open an account no monthly fees no fees for P2P transactions no fees to set up sub-accounts up to four accounts and no fees to use the widgets.Merchants who accept American Express cards will pay a prepaid discount rate for transactions made both in stores and online with a Serve prepaid card. 20cents Fuel Perks w/ every $50 of Printable GifterGo Gift Vouchers from Giant Eagle 20cents Fuel Perks w/ every $50 of Instant Printable GifterGo Gift Vouchers from Giant Eagle http // gianteagle /giftergo With GifterGo Giant Eagle now offers gift vouchers from merchants in your community who you otherwise won't find in our Gift Card Gallery. Even better GifterGo gift vouchers earn fuelperks Browse our selection customize your vouchers with graphics and messages download them then use them immediately or give them as gifts.Browse by location- http // gianteagle /GiftCards/GifterGo/BrowseGifterGo.aspx... Pittsburgh Area ParticipatorsAlexander's Italian Bistro -Angelia's Italian Restaurant -August Henry's City Saloon Bella Railings -Birdsfoot Golf Course - Body Bar - Bravo Brio Restaurant Buhl Mansion Guesthouse Spa - Calamari's - China Palace Monroeville City Grill - Cook's Furniture - Somerset - Curly Willow Florals Gifts Eyetique -Family Eye Care - Getaway Cafe - -Guardian Storage Solutions -Hofbrauhaus = Hurwitz Center for Rejuvenation - Izzazu International Salon -La Tavola Italiana Restaurant - Ligonier Tavern - Mallorca Restaurant -Miller's Seafood House - Napoli Restaurant Pizza Parlour - Niko's Coffee House - North Hills Water Gardens - Oh So Tan - McMurray - Oh So Tan Cranberry Washington - Olde Stonewall Golf Club -Pasqualino's - Pastries A La Carte -Perfect Flooring -Pizzutti's - Resolutions MedSpa Rivertowne - Sewickley Gallery and Frame Shop - Spa and Salon at SouthPointe Station Square Restaurant - Steak 'n Shake -StonePepper's Grill - Structures Tai Pei - Tara - A Country Inn - The Carlton - The Library -The Winner Inc. Thee Olde Place Inn - Tom's Diner - US Coach Tours - Verve Wellness You've Got Maids Midwest Appliance Parts GE Water Filter Rebate Available - 10 dollar / 20 dollar Rebate more below Midwest Appliance Parts GE Water Filter Rebate Available - 10 / 20 Rebate with VISA Card more below GE WATER FILTER REBATE - 10 / 20 Dollar Rebate INFO BELOW Rebate link http // midwestapplianceparts....Rebate.pdfNow is the perfect time to change your refrigerator water filter so you can relax with refreshing water all summer long. Plus youll get back up to $20 off the cost of your replacement filters * Enjoy the benefits of filtered water the great taste for drinking and cooking and the extra sparkle and fresh taste it gives your ice. The SmartWater Twist and Lock System makes changing filters quick and easy too. Buy extra replacement filters now and save * Valid only on GSWF MSWF MWF 46-9991 46-9914 46-9994 MWFA and MWFAP replacement filters purchased from GE or authorized GE retail dealers only. See mail-in rebate form on reverse for details.You must buy at least 2 to qualify for the rebate - limit 6 filters per household. rules at bottom MWF 1 PACK 28.99 Each LINK midwestapplianceparts MWF 2 PACK 57.75 - 5 % COUPON "spring" % 2.88 - 10 dollar rebate = 44.87 + Shipping LINK midwestapplianceparts MWF 3 PACK 86.00 - 5 % COUPON "spring" % 4.30 - 20 dollar rebate = 61.70 + Shipping LINK midwestapplianceparts MSWF 2 PACK - 32.99 Each x 2 = 65.98 - 5 % COUPON "spring" % 3.29 - 10.00 Rebate = 52.69 + Shipping LINK midwestapplianceparts MSWF 3 PACK = 32.99 Each x 3 = 98.97 - 5 % COUPON "spring" % 4.94 - 20.00 Rebate = 74.03 + Shipping LINK midwestapplianceparts GSWF 2 PACK 36.31 EACH x 2 = 72.62 - 5 % COUPON "spring" % 3.63 - 10 REBATE = 58.99 + Shipping LINK midwestapplianceparts GSWF 3 PACK 36.31 EACH X 3 = 108.93 - 5 % COUPON "spring" % 5.44 - 20 REBATE = 83.49 + Shipping LINK midwestapplianceparts to get 5 percent off you must use 5 percent off coupon code = "fall" or "spring"I have ordered from MIDWEST APPLIANCE PARTS - all water filters are shipped as individuals - even though they say 3 pack - so you will get a UPC per box - as the rebate rules state.The following model numbers qualify GSWF _______MSWF _______MWF _______46-9991 _______46-9914 _______46-9994 _______MWFA _______MWFAP _______Rebate Rules Offer valid on filter purchases dated February 28April 4 2011. Requests must be postmarked no later than April 25 2011. Offer void where prohibited taxed or restricted by law. Not transferable or redeemable for cash. Allow 810 weeks for delivery. If prepaid card is not received after 10 weeks please call 1-866-285-7861. GE is not responsible for any lost late stolen ineligible misdirected or postage-due mail. Incomplete requests will not be processed. By submitting this claim you hereby accept all stated terms and conditions. This offer may not be combined with any other offer. Excludes mwf 3-pack and gswf 3-pack.The Visa Prepaid Card is issued by MetaBank pursuant to a license from Visa U.S.A. Inc. Each time you use the card the amount of the transaction will be deducted from the amount of your available balance. Terms and Conditions applied to the card include a $1.50 ATM access fee each time the card is used at a cash-dispensing machine. The operator of the ATM or any network utilized to effect the transaction may also impose a fee. Subject to applicable law a monthly maintenance fee of $3 USD applies but is waived for the first six months after the card is issued. No additional fees will be assessed once the card balance reaches zero. Cards can be used at merchants that accept Visa debit cards. GE reserves the right to substitute a check of equal value in lieu of a Visa prepaid card at its sole discretion. Reward redeemable only on filters purchased for personal use directly from General Electric or authorized GE retail dealers. Filters purchased via online retailers are not eligible for this rebate offer. Multiple sales to apartments builders condominiums subdivisions and wholesalers do not qualify. Limit 6 filters per household. Chase Sapphire - 5% Back on Dining Gas Groceries Utilities etc. - 4/1/11 - 6/30/11 - Targeted Just when I thought I wouldn't be using my Chase Sapphire for a while. Since the Driver's Edge is gone this will take care of 2Q gas purchases until the 3Q Discover and Chase Freedom offers kick in. I am guessing this is targeted. Offer When you use your Chase Sapphire card for select everyday purchases you'll earn FIVE POINTS for every eligible dollar you spend.EXCEPTIONAL REWARDS FIVE TIMES AS FAST Earn more points from 04/01/11 through 06/30/11. Simply use your Chase Sapphire card for everyday purchases in select categories such as groceries gas phone cable internet utilities even dining out for up to 10 000 bonus points. For a complete list of eligible categories please see below.Details To be eligible for this bonus offer you must log on and enroll through the link in this offer by June 15 2011. This bonus offer only applies to net purchases made with your credit card during the promotional period at merchants that classify their merchant location for Visa/MasterCard in any of the following categories dining establishments including caterers drug stores gas stations beauty and barber establishments including spas and cosmetic stores convenience stores discount stores and warehouse clubs dry cleaning and laundry establishments grocery and specialty food stores gym and recreation club memberships utilities including electric gas water and sanitation cable and satellite television and radio services wireless/telecommunications services and equipment internet services local and commuter transportation including trains buses taxis/limos ferries bridges tolls and parking . Online and catalog purchases are not eligible to receive the bonus rewards unless the merchants have correctly identified and billed the transactions. We do not determine whether merchants correctly identify and bill transactions as being made in each category. However we do reserve the right to determine which purchases qualify for the bonus rewards. Please allow 6 to 8 weeks after qualifying transactions post to your account for bonus rewards to post to your account. Maximum bonus reward accumulation during the promotional period is 10 000 bonus rewards. Credit card product changes during the promotional period will forfeit this bonus offer. To qualify for this promotional offer account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable and applies only to the account ending in the last 4 digits referenced in this offer. $100 Restaurant GC for $8 never have to wait for 80% codes get the certs you want $8 for $100 eGift Card at restaurant Friends and Family Circle CLICK HERE FOR DEAL has $100 eGift Card at restaurant for $8TO REDEEM 1 Go to http //Redeem.Restaurant and click on the Redeem Certificate button 2 Enter the Voucher promo code to credit your shopping cart 3 Use the search engine to find restaurants near you or choose from exciting products and services offered through participating online retailers 4 Add certificates to your cart and check out 5 Print the certificate from your computer and redeem it at the restaurant or the online retailers website. Restrictions* The eGift Card is subject to the Merchants standard Terms and Conditions. * All restaurant gift certificates will have a minimum spend please read restaurant restrictions before redeeming your gift card. * eGift Cards have no cash value and are not redeemable for cash at any time unless required by applicable law. * eGift Cards must be redeemed online for a restaurant-specific or merchant-specific certificate prior to use. * Limit one 1 certificate per visit to a restaurant per month. * Restrictions on the certificates vary and are subject to change along with their availability. * The eGift Card cannot be applied towards previously placed orders or combined with other promotions or offers. * To redeem you must visit and register at Restaurant #8729 com. * Voucher cannot be taken in to a restaurant must first be redeemed at Restaurant #8729 com. Spring Sale Up to 40% off Hotels at Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 36 Replies 0 Orbitz Worldwide is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. Spring Sale Up to 40% off Hotels 65% off Sandals Halcyon St Lucia Luxury All Inclusive Up to 30% off Vacation Packages in Naples FL Up to 50% off Marriott Hotels and Resorts in Hawaii More Offers from Orbitz Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Crest 3D Whitestrips 2 hr $14.50 at amazon More Buying Choices Amazon Add to Cart $24.50 eligible for free shipping with Amazon Prime Add to cart then click on the link to the product in your cart.Login to see if you have this coupon Save $10.00 with this Coupon Clip this coupon to save $10.00 on this product when you buy from Amazon .Super Saver Discount -$5.05 Your Coupon Savings -$10.00 http // amazon /gp/promotions/products ie=UTF8 promoId=ASE... Citi Preferred Card 16000 points for $700 in purchases in first 3 months Link Expires 4/15/2011"You will receive 16 000 bonus ThankYou Points after $700 in purchases are made with your card within 3 months of account opening. Once these points post to your account you may redeem for your choice of $150 in gift cards good at leading national merchants or save them to use for other great rewards." 3 Brooks Brothers Non-Iron shirts lt $100 Brooks Brothers is having a 50-70% off clearance sale. Combine that with coupon SUPIMA11 for $25 off $100 you can get 3 Non-Iron shirts for $95 + sh tax .Good deal for these nice shirts LINKY Maximizing Euros from Dollars on Travel to France I will be going to France for two weeks in May. I plan on charging most of my purchases there with my Capital One credit card as they have 0% foreign transaction fee most credit cards charge 2%-4% . I don't know where they get their exchange rate numbers from but in the past it seemed like the best available deal. But I can't use this credit card everywhere. My hostel only accepts cash and occasionally merchants have trouble with the magnetic strip european credit cards have smart chips and the US hasn't converted to this technology yet . In the latter case One is expected to pay cash or use a smart chip card or speak French to argue one's way. While I can reason my way in French it is often uncomfortably slow for this transaction to take place - especially at a chain supermarket with customers behind you.I have had success traveling previously in France with a nice balance of Euro coins too dollars and Credit cards. In addition to the Capital One credit card I take an American Express the only American credit card that will let me rent the Velib bikes in Paris . But my real question is where should I get my cash from Should I order it from Bank of America or maybe my credit union bank This can take 1-2 weeks to arrive which is okay and usually costs in my experience 9-15% after the transaction fees and service fees are accounted for.Airport exchange stations are never a good idea and eBay weirds me out with cash in the mail and all not that eBay would even provide value in this case . So I believe I am left with craigslist a bank or maybe AAA. I am only looking to have about 450 euro cash in hand. Any thoughts Sports Authority 20% off purchase through Borders Reward Perks until 3/31/11 If you are a member of Borders Reward Perks they have a 20% Off Entire Purchase sale going on through 3/31/11...For a limited time only enjoy 20% off your entire order at The Sports Authority.The Sports Authority is dedicated to providing their customers with the best shopping experience possible by consistently providing great brands at great values. They are dedicated to increasing that value by providing industry-leading customer service and product knowledge.Restrictions Exclusions apply. See site for details. This offer is valid online only and cannot be combined with any other coupons discounts or promotions. Gift Cards/Certificates purchased from this Merchant do not apply unless stated otherwise. Savings will only be delivered when you purchase through the link provided on this page. If you visit this Merchant through other websites prior to your purchase you will not receive the program savings. Tax and shipping costs do not apply to this offer unless stated otherwise. You may lose your savings when you return purchased item s .Discount excludes the following Adams Golf Baby Jogger Burton Cleveland Golf DeMarini Ektelon Gorilla Hunter Dan Lobster Merrell Mountain Hardwear Oakley Pro Feet Schwinn Spring Step Timberland Trend Sports Worth Adidas Golf BagBoy Callaway Cobra Diamondback Escape Head Jugs Louisville Slugger Miken Sports NBA Jerseys Odyssey Rawlings Skechers Shape Ups TaylorMade Tippmann Trikes Yakima Asics Bauer Carhartt Coleman Dye Fitness Quest Heavy Putter K2 MacGregor Mission Nextt Golf Parkland Heritage Razor Skycaddie Ten Point Titleist Uggs Atec Bowflex Cat Eye Columbia E-Force Footjoy Horizon Kettler Magnum Mizuno Nike Penn Rollerblade Sole the north face Top-Flite Under Armour Atomic Bridgestone Championship Merchandise Daiwa Easton Fred Bear Equipment Huffy K-Swiss MBT Mongoose Nike Golf Prince Salomon Speedstik Thule Tour Edge Wilson bike racks electronics/optics select fitness exercise bikes ellipticals treadmills home gyms weights benches trampolines and accessories select Fan Shop furniture select camping products canopies scooters table games fishing and hunting products and select basketball systems. Other exclusions may apply. 17% Off Any Order Today Only at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 105 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 17% off Sitewide use coupon 20PDesktop Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email $1 off lots of restaurants when using mobile app St Patty's *week* only I've posted a few deals lately from Splickit the mobile ordering apps for iPhone and Android that service restaurants around Colorado and the rest of the country. Just got this promo email today that runs for the next week. Just a quick copy/paste today but I added bold for the important bits.email said You're receiving this email because you set up an account with splickit or one of our partner merchants like Snarf's Moe's Bruegger's The Smiling Moose Illegal Pete's or Tully's. We promise not to flood your email box we hate that too. You may unsubscribe if you no longer wish to receive our emails. Irish or not everyone gets the lucky buck. $1 off at any splickit partner restaurant. Expires in 7 lucky days 3-23-2011. Enter LUCKY in the promo code upon checkout. Limit one per person. Splickit partner restaurants include Amante Coffee Atlas Purveyors Brewing Market Bruegger's Corner Coffee Bar Flatiron Coffee Great Harvest Bread Co. Illegal Pete's Java Kai Moe's Southwest Grill The Muse Coffee Co. The Pita Pit Rueben's Burger Bistro Saxy's Cafe The Smiling Moose Deli Snarf's Treppedas Tully's Coffee Ziggis. s o Here's a fact for which we feel lucky 93.7% of our customers said they would use our apps again. "It worked perfectly We marveled at the magic of it all. Loved loved loved it You rock Splick-it." -from an anonymous customer responding to our order satisfaction survey a customer we love love love. Happy St. Patrick's Day Hope this helps someone and Happy St. Patty's Day - don't drink too much Kensington PowerGuard Battery Case for iPhone 4 with Card Stand Black $29.24 ar / fs @ buy Kensington PowerGuard Battery Case for iPhone 4 with Card Stand Black $10 Mail in Rebate Purchase this Kensington product and receive a $10 Mail-in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/15/2011 to 3/21/2011 Kensington PowerGuard Battery Case for iPhone 4 with Card Stand Black $31.94 ar / fs @ buy Kensington PowerGuard Battery Case for iPhone 4 with Card Stand Black $10 Mail in Rebate Purchase this Kensington product and receive a $10 Mail-in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/15/2011 to 3/21/2011 Ruger LCP 380 Pistols Nice For CCW $249.95 + Shipping To Your FFL @ riverviewsales.net http // riverviewsales.net/Merchant2/merchant.mvc Screen=PROD...$249.95 + $20 Shipping = $269.95Buds price $290 there #1 Selling Pistol. 57 Reviews. Average Rating 4.8 of 5 Stars http // budsgunshop /catalog/product_info.php products_id=...Ruger LCP Pistols offer the following features Ultra-light compact carry pistols weigh only 9.4 ounces in Ruger's smallest pistol frame with a height of 3.6 inches and a width of just .82 inches. The LCP is comfortable and affordable making it a natural choice for a dependable back-up or personal defense carry pistol. High performance glass-filled nylon frame is topped by a through-hardened steel slide in a blued finish. 6+1 capacity .380 Ammo Deal http // usaammo /380-Auto-100-gr-FMJ-P217.aspx 20% Off Laptops $349+ 20% Off Desktops $229+ at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 97 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 20% off Laptops $349 or more use coupon 20PLaptop 20% off Desktops $229 or more use coupon 20PDesktop Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Crest 3D Whitestrips 2 hr $22 shipped at amazon Login to see if you have this coupon Save $10.00 with this Coupon Clip this coupon to save $10.00 on this product when you buy from Amazon .Super Saver Discount -$5.05 Your Coupon Savings -$10.00 http // amazon /gp/promotions/products ie=UTF8 promoId=ASE... DBA EIN I need to signup for a Merchant Account to accept online payments and wondering if i should setup both DBA EIN or just the DBA is enough Any info would be appreciated. PS3 Ultimate Combo @ SonyStyle - $299 + tax for 160GB PS3 + Combo Pack Game Controller Choose the 160GB PS3 and then select one of the following game+controller options $59 value Little Big Planet "Game of the Year" edition w/black wireless controller God Of War 1 2 on same disc w/ red wireless controller Ratchet Clank Future A Crack In Time w/blue wireless controllerClick here for the detailsI realize that Amazon sometimes has the 160GB unit with a $50 credit for future shopping that might cover the cost of the combo pack but that is hit and miss. If you don't want a merchant's store credit then this might be a good deal for you 160GB PS3 + 2 controllers total + 1 game all for $299 is one of the best deals seen since Black Friday. Winn-Dixie Has Updated The Fuel Perks Program Not only do you save 5 cents per gallon for every $50 you spend you can now save and get perks through their shopping portal at over 700 online merchants. Also save and get perks through their baby club. link Winn-Dixie Has Updated The Fuel Perks Program Not only do you save 5 cents per gallon for every $50 you spend you can now save and get perks through their shopping portal at over 700 online merchants. Also save and get perks through their baby club. link Crest 3D White Whitestrips With Advanced Seal Professional Effects Enamel Safe Dental Whitening $17 or 2 hr $22 amazon Login to see if you have this coupon Save $10.00 with this Coupon Clip this coupon to save $10.00 on this product when you buy from Amazon .Super Saver Discount -$5.05 Your Coupon Savings -$10.00http // amazon /Crest-Whitestrips-Advanced-Professional-Wh... The 2 hour strips are also available at http // amazon /gp/promotions/products ie=UTF8 promoId=ASE... Crest 3D White Whitestrips With Advanced Seal Professional Effects Enamel Safe Dental Whitening $18 or 2 hr $22 amazon Login to see this coupon Save $10.00 with this Coupon Clip this coupon to save $10.00 on this product when you buy from Amazon .Items $28.20 Shipping Handling $5.05 Super Saver Discount -$5.05 Your Coupon Savings -$10.00 Total Before Tax $18.20 Estimated Tax To Be Collected $0.00 Order Total $18.20http // amazon /Crest-Whitestrips-Advanced-Professional-Wh... The 2 hour strips are also available at http // amazon /gp/promotions/products ie=UTF8 promoId=ASE... Seventh Generation Dish Liquid 25-Ounce Bottles Pack of 6 $12.25 ac / fs / with SS @ amazon linkazonSave 30% on Select Seventh Generation Products with Promo Code and Subscribe Save Exclusive Savings for Amazon Mom Members Get 15% off the select Seventh Generation products when you use the code SEVCLEAN details and restrictions plus another 15% off when you sign up for Subscribe Save. restrictions apply . Applies only to products sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Offer expires April 10 2011. Participation in Subscribe Save not required to use the promo codeOther / Save 30% on Select Seventh Generation Products Obihai OBi110 Voice Service Bridge and Telephone Adapter NOW IN STOCK AT AMAZON $50 FS HURRY Obihai OBi110 Voice Service Bridge and Telephone Adapter NOW IN STOCK AT Amazon $50 HURRYObihai OBi110 Seventh Generation Dish Liquid 25-Ounce Bottles Pack of 6 $12.25 ac / fs / with S S @ amazon linkazonSave 30% on Select Seventh Generation Products with Promo Code and Subscribe Save Exclusive Savings for Amazon Mom Members Get 15% off the select Seventh Generation products when you use the code SEVCLEAN details and restrictions plus another 15% off when you sign up for Subscribe Save. restrictions apply . Applies only to products sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Offer expires April 10 2011. Participation in Subscribe Save not required to use the promo codeOther / Save 30% on Select Seventh Generation Products Spend $50 on Select Toys from Fisher-Price and Get $15 Off @ Amazon Spend $50 on Select Toys from Fisher-Price and Get $15 Off While supplies last spend $50 on these select toys below from Fisher-Price and get $15 off at checkout. Here's how restrictions apply . Discounts only apply to items sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Also for an even greater value take advantage of FREE Super Saver Shipping restrictions apply and Prime restrictions apply .Fisher-Price @ Amazon Third Night Free at The Fairmont Southampton in Bermuda at Orbitz + 0 Posted By FatWallette Views 128 Replies 0 Orbitz Worldwide NYSE OWW is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site.Special Offers from Orbitz Aspen Stay 4 Nights and get 5th Night Free at Participating Properties 30% off Hard Rock Hotel Chicago valid for travel between 12/7/10 - 3/31/11 - min. 3 night stay required - see site for details Third Night Free at The Peninsula New York valid for travel between 1/1/11 - 4/1/11 - min. 3 night stay required - see site for details Third Night Free at The Fairmont Southampton in Bermuda valid for travel between 11/1/10 - 4/30/11 - min. 3 night stay required - see site for details Orbitz Coupons Cash Back Up to 4.2% Cash Back Available $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Buy one get one on inbound link generation for SEO They are letting you get up to 10 links for the price of 5 normal price is $20/each . From a web development company in New Orleans called WebNola - Checked out the search engine ranks of the sites in their portfolio they looks like they are the real deal.Here is the coupon I found http // merchantcircle /coupon/WebNola.504-484-9326/displa... Citi Thankyou points new offers for Walmart Sears 10 000pt = $100 From what I remember at least these 2 places usually don't offer the $100 gift card for 10K points. There might be others too. Walmart Sears TIMELESS BEAUTY SPA - Pay $99.00 Six Laser Hair Removal Sessions Save $901 or 90% OFF - Michigan Expires 3/10 Detroit Deal90% off Laser Hair Removal $99 Buys Six Laser Hair Removal Sessions from Timeless Health Beauty Medical Spa $1 000 Valuehttps //myfoxhalfoff /detroit/offer/LOCATIONS ========= Timeless Health Beauty Medical Spa 542 North Cedar Imlay City MI 48444 810-724-0480 Timeless Health Beauty Medical Spa 6854 North Rochester Road Rochester Hills MI 48306 DEAL INFORMATION ================ It's time unwanted hair got zapped. Rid yourself of stubborn fuzz with today's deal $99 buys six laser hair removal sessions bikini underarms lip or chin from Timeless Health Beauty Medical Spa $1 000 value These six treatments will get you long-lasting reduction or removal of unwanted and unsightly hair. Timeless Health Beauty Medical Spa's knowledgeable team of technicians use state-of-the-art FDA-approved technologies to eliminate hair for good. Each treatment is performed with the utmost care so you're sure to be comfortable safe and thrilled with the results.If you want smoother skin without the hassle of plucking and shaving get today's deal for Timeless Health Beauty Medical Spa and rid yourself of unwanted hair. HIGHLIGHTS ========== Benefits of Laser Hair Removal Smooth skin Save money on razors No more plucking and shaving Eliminates the majority of coarse hair Works for both men and women Check out MyFoxHalfOff's other deal for Timeless Health Beauty Medical Spa $135 Buys a Full Set of Botox Injectionsa $450 Value RESTRICTIONS ============ Limit per person 1 Limit three 3 as gifts to other people.Expires on September 05 2011Must call to schedule your appointment.Valid only for bikini underarms lip or chin.Limit one 1 certificate per redemption. Only one certificate can be used per order unless otherwise specified by Merchant.The issuing of credit is at the sole discretion of the Merchant unless otherwise required by law.Neither Tippr nor the Merchant is responsible for lost or stolen Vouchers.Vouchers cannot be combined with any other gift certificates third party certificates coupons or promotions unless otherwise specified by Merchant.Reproduction sale or trade of a Voucher is prohibited unless done so in compliance with the law.Any attempted redemption not consistent with this Agreement will render the Voucher null and void.The Voucher including but not limited to any discounts expires on the date specified on the Voucher except that the Merchant may continue to redeem the unused cash amount you paid for the Voucher which is usually less than the original face value of the Voucher to the extent required by applicable law.If you redeem the Voucher for less than its face value you will not be entitled to a credit cash or a new Voucher equal to the difference between the face value and the amount you redeemed unless otherwise required by law. You will only be entitled to a continuing redemption value as noted above if the amount that you paid for the Voucher exceeds the amount you redeemed. For example if you paid $20 for a Voucher which entitles you to purchase $50 of product by February 1 2010 and you make a purchase for $40 on January 30 2010 you will not be entitled to a credit or cash equal to the difference between the $50 face value and the amount you redeemed. You will not have any redemption value either because the amount you redeemed is more than what you paid for the Voucher. Buca di Beppo $25 Gift Card for $15.44 Shipped Stackable with Coupons Hello I hope you are doing well.At CityDeals $25 worth of Buca di Beppo gift card can be had for $15.44 shipped. Use coupon code "TXT15" to get this deal here.To make this deal hotter make sure you use either the $10 off $20 Buca di Beppo coupon here expires on 12/30/2011 or the free Baked Ziti coupon here expires 3/31/2011 .Enjoy Victor Ly Snarf's Sandwiches Colorado/Chicago promo using mobile app Posted a couple deals earlier using the Splick-it App here is one Had another and thought it could benefit people especially since Snarf's has locations in Chicago. Snarfs is a sandwich shop local to Boulder CO but they are expanding. Awesome food.Using the Snarf's mobile app available on iPhone or Android you can use promo code SNARFS to get a free drink and Chips with a sandwich or salad order. Also they have a general promo for any merchant you can use promo code DROID to get $1 off any merchant with any purchase works on both iPhone and Droid. You can find the apps in the Market or App Store by searching for the restaurant directly or the company name Splickit .Enjoy and hope this helps someone Pearl Izumi - Cruise Running Shoes - Mens and Women's - 70% off - $33 TetonVillageSports has the Pearl Izumi Shoes for 70% off. $33.Plenty of sizes in mens and womens. 2 Colors for each.Description NEUTRAL CUSHIONING. The women's Cruise is designed for the neutral runner looking for a lightweight ultra-cushioned shoe for high mileage workouts. Featuring the added durability of a SKYDEX forefoot pad.http // tetonvillagesports /mm5/merchant.mvc Screen=PROD S...http // tetonvillagesports /mm5/merchant.mvc Screen=PROD S...http // tetonvillagesports /mm5/merchant.mvc Screen=PROD S...http // tetonvillagesports /mm5/merchant.mvc Screen=PROD S... Oakley Flak Jacket - 70% off - $42 Reg $140 - Black w/Black Lense + other deals TetonVillageSports has the Oakley Half Jacket sunglasses for 70% off. These glasses retail for $140 but can be found for $42. I have bought a number of different items from this place and have never had issues.Description Oakley Flak Jacket Black With Black IridWorld-class athletes have driven us to create innovation after innovation including interchangeable lens designs with unbeatable optical clarity.Oakley Flak Jacket Sunglasses - 70% off - $42 Reg $140 - Black w/Black Lense + other deals Link - http // tetonvillagesports /mm5/merchant.mvc Screen=PROD Store_Code=TVS Product_Code=03-881 Fisher-Price Imaginext Big Foot The Monster $69 Free Shipping Amazon Amazon Spend $50 on Select Toys from Fisher-Price and Get $15 Off at checkout Amazon Free Shipping While supplies last spend $50 on these select toys below from Fisher-Price and get $15 off at checkout. Here's how restrictions apply . Discounts only apply to items sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Also for an even greater value take advantage of FREE Super Saver Shipping http // amazon /gp/feature.html/ref=amb_link_355391182_4 i...Fisher-Price Imaginext Big Foot The Monster 3.8 out of 5 stars 68 customer reviews List Price $99.99 Price $83.69 eligible for free shipping with Amazon Prime Plus receive $15 back out checkout- Final price $68.69http // amazon /Fisher-Price-Imaginext-Big-Foot-Monster/dp...3.8 out of 5 stars based on 68 customer reviews The Fisher-Price Imaginext Big Foot the Monster is a personable and fun wireless remote-control companion that boasts a wide range of reactions and features. This battery-powered behemoth will talk roll tumble and express emotions all via remote control. Kids from 36 months to 8 years old will laugh at his fun antics speech and emotive face as he ambles around the house.The Imaginext Big Foot includes a remote control ball speech and lots of personality Remote toggle allows him to walk forward and backwards and the six buttons are happy angry sleep fun balland exercise Hear him roar and watch him pound his fists or raise his arms above his head and shake his fists Press the ball button and hear him say things like "play" and watch him throw the ball Spend $50 on Select Toys from Fisher-Price and Get $15 Off at checkout Amazon Free Shipping Amazon Spend $50 on Select Toys from Fisher-Price and Get $15 Off at checkout Amazon Free Shipping While supplies last spend $50 on these select toys below from Fisher-Price and get $15 off at checkout. Here's how restrictions apply . Discounts only apply to items sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Also for an even greater value take advantage of FREE Super Saver Shippinghttp // amazon /gp/feature.html/ref=amb_link_355391182_4 i... $75 Off Desktops $300+ $100 Off Laptops $400+ 2% Cash Back at Dell Refurbished Computers 0 Posted By FatWallette Views 177 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers $75 off Desktops from $300 and above use coupon $75Desk$300up $100 off Laptops from $400 and above use coupon $100Lap$400up Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email $50 Credit at VistaPrint $10 @ Groupon $50 Credit at VistaPrint $10 @ GrouponToday only Groupon offers a $50 Credit at VistaPrint for $10. This photo services merchant which specializes in photo books cards and calendars. This credit must be used in its entirety in one purchase. Note that although this is listed under Groupon Baton Rouge it can be purchased and used by anyone.LINK $50 Credit at VistaPrint - $10 @ Groupon $50 Credit at VistaPrint - $10 @ GrouponToday only Groupon offers a $50 Credit at VistaPrint for $10. This photo services merchant which specializes in photo books cards and calendars. This credit must be used in its entirety in one purchase. Note that although this is listed under Groupon Baton Rouge it can be purchased and used by anyone.LINK Kensington Quick Release Car Mount $9.95 ar / fs @ buy or $9.95 fsss eligible @ amazon Kensington Quick Release Car Mount - K39256US$10 Mail in Rebate Purchase this Kensington product from Buy and receive a $10 Mail-in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 3/1/2011 to 3/7/2011orlinkazon Logitech Z323 Speaker System $29.99 ar / fs @ buy Logitech Z323 Speaker System$15 Mail-in Rebate form Purchase this Logitech product from Buy and receive a $15 Mail-In Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 2/27/2011 to 3/5/2011Features Video Features Immersive Logitech 360-degree sound for crystal-clear room-filling audio. Video Features Ported down-firing subwoofer delivers deep rich bass Video Features RCA and 3.5 mm inputs for easy connections to gaming console DVD player or iPod. Video Features Integrated headphone jack for private listening. Video Features 30 Watt RMS of power produces big bold full-range sound Tech Specs Tech Specs Interfaces/Ports Headphone Jack 2 x RCA Jack 3.5mm Audio Line-in Tech Specs Product Model Z323 Tech Specs Manufacturer Part Number 980-000354 Tech Specs Product Name Z323 Speaker System Tech Specs Manufacturer Website Address logitech Tech Specs Manufacturer Logitech Tech Specs Product Type Speaker System Tech Specs Brand Name Logitech # Tech Specs Compatibility Gaming Console # DVD Player # iPod Tech Specs Green Compliance Yes Tech Specs Additional Information Ported down-firing subwoofer Tech Specs Green Compliance Certificate/Authority RoHS Tech Specs Dimensions 8" Height x 3.40" Width x 5.30" Depth - Satellite Speaker 8.70" Height x 6" Width x 7.20" Depth - Subwoofer # Tech Specs Package Contents Z323 Speaker System # User Documentation Tech Specs Connectivity Technology Cable Tech Specs Speakers Details 2 x Satellite 1 x Woofer Tech Specs Frequency Response 55 Hz to 20 kHz Tech Specs Speaker Configuration 2.1 Tech Specs RMS Output Power 30 W Tech Specs Standard Warranty 2 Year Limited Product Attributes Product attributeEnvironmental Certification RoHS Product attributeProduct Model Z323 Citizens Bank will begin charge $4.99/mo for Green Savings account if lt $300 or no auto-savings transfer For those with Citizens Bank Green Savings accounts that was free with Green Checking accounts Got a letter with Account changes effective March 27 2011 -Monthly Maintenance Fees There is no monthly maintenance fee if you make an automatic savings transfer of at least $25 per month from any Citizens Bank checking savings or money market account or direct deposit to your Green Savings account or if you maintain a minimum daily balance of $300 in your account. Otherwise a monthly maintenance fee of $4.99 will be charged to your account. Automatic savings transfer programs include SteadySave GoalTrack Savings or Direct Deposit or Repeating Transfers through Online Banking. -Statements Customers who use eStatements will not incur a statement fee. If you wish to continue to receive statments by mail a $2.00 monthly paper statement fee will go into effect. Statement fees do not apply if any owner of the account is under 18 or 65 or older. -ATMs Our 3 500 ATMs and over 1 500 branches make it easy to meet your cash needs with no fee. Starting May 1 2011 non-Citizens ATM fees will now be $3 per transaction.Their GoalTrack Savings' bonus is a joke especially since Savings Account earns 0.03%. To be eligible for the minimum bonus value which is "a merchant discount" you must save at least $25/month for 8 months above your balance at the time of enrollment. The maximum bonus value a $250 giftcard is earned when you save at least $400/month for 36 months above your enrollment balance. At the end of each month Citizens Bank will compare your balance against the savings balance required by the saving plan you created. This amount will be the enrollment balance plus the monthly savings amounts for your plan for each month since enrollement. The rest http // citizensbank /savings-and-cds/goaltrack-savings.aspx PS3 Games MEL B $16.75 - The Shoot $18.41 Shipped@Amazon MEL B $16.75 ShippedTHE SHOOT $18.41 ShippedAmazon OTHER MERCHANTS Brooks Bros. Save $10 off $50 / Plain-Front Linen and Cotton Cargo Shorts 2 pairs $ 61 Brooks Bros. Plain-Front Linen and Cotton Cargo Shorts Reg. $89.50 Sale $35.80 - 2 pairs $ 61.60 w/code Save $10 off $50 w/ code reg1x code is for registered users create account before ordering Shipping $9.95http // brooksbrothers /IWCatProductPage.process Product_I...4.8 out of 5 stars Our traditional cargo silhouette in washed linen and cotton is perfect the beach or a backyard barbecue. Extra-deep washed pocketing. Machine wash. Colors Pine or British Khaki $10 wyb $40 at select B M MIR on Kimberly Clark Huggies Viva Kleenex Kotex etc PDF Link http //shurfinemarkets /cnt/documents/Kimberly-ClarkRebate_Ja... Purchase $25 or $40 worth of participating products at a participating retailer see list below in one shopping trip by 3/5/11 which includes Huggies Pull-Ups Training Pants Goodnites Underpants Kleenex Facial Tissues Cottonelle Products Scott Products Viva Towels Poise Products Depend Products Kotex Products and U by Kotex Products. 2 Complete the form found at link and mail it with your original cash register receipt with qualifying purchases circled to the shown address by April 5 2011 Participating Retailers ASSOCIATED WHOLESALERS IN AWI BIG Y FOODS INC BOGOPA COMPARE FOODS DEMOULAS SUPER MKTS INC FINE FARE FOOD BAZAAR FOODMASTER SUPER MARKETS FOODTOWN GALAXY FOOD CENTER GERRITYS SUPERMARKETS GENERAL TRADING CO INC 40 J J SHURFINE FOODS JOHNNIES FOODMASTER KEY FOOD STORES COOP INC KRASDALE DAGOSTINOS KINGS KING KULLEN GROCERY CO IN Lowes Lowes FOODS MARCs MARC GLASSMAN MARKET BASKET MCCAFFREYS MERCHANTS DISTR INC MET MID-MOUNTAIN/FOOD CITY NAVARRO DISCOUNT PHARMACY NELLS SHUR FINE P C MARKET P C FOODS PIGGLY WIGGLY ALA DISTR PIGGLY WIGGLY CAROLINA CO PIONEER RMG ROCHE BROS SUPERMARKETS ROUSE SHURFINE SHUR SAVE SUPER FOODTOWN SUPERIOR MARKETS STOUFFERS OF KISSEL HILL TOPS MARKETS TRADE FAIR THRIFTWAY TOPS MARKETS WESTERN BEEF WHITE ROSE FOOD CORP XPECT DISCOUNT STORES Up to 30% off Vacation Packages in Naples FL and More at Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 172 Replies 0 Orbitz Worldwide NYSE OWW is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. 30% Off Wyndham Nassau Resort with $200 Food and Beverage Credit and $300 Air Credit from $181 Up to $200 in Resort Credits at Hilton Hotels second consecutive night required 55% off Villa del Palmar Cancun All Inclusive Hotels with Free 50 Minutes Massages from $283 Up to 30% off Vacation Packages in Naples FL More Offers from Orbitz Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email *********1 Cent 2 Cent 3 Cent iPhone 4/iPod Touch Cases + FS*********** http // amazon /iPod-Touch-Generation-Silicone-Looper/dp/B...http // amazon /Premium-Silicone-iPod-Touch-Generation/dp/... DEADhttp // amazon /Premium-Silicone-iPod-Touch-Generation/dp/... DEADhttp // amazon /touch-Mirror-Screen-Protector-generation/d... DEADhttp // amazon /Clear-Transparent-Bumper-Crystal-iPhone/dp... - 25 CENTS Iphone 4http // amazon /Mirror-Screen-Protector-Apple-Touch/dp/B00... - 1 cent deadhttp // amazon /SKQUE-CLEAR-SCREEN-GUARD-PROTECTOR/dp/B004... - 1 cent drugstore sale Up to 50% off GNC products drugstore takes up to 50% off all in-stock items in its GNC Store. The discount is taken in-cart. Plus all orders qualify for free shipping with no minimum purchase required. That tops our mention from three weeks ago which was a flat 25% off discount. Shop for whey protein vitamins energy bars sports drinks and more. Deal ends February 25. Of note drugstore also takes up to 70% off its selection of vitamins with no minimum purchase required. The discount is taken in-cart. That's the best sitewide discount we've seen from this merchant on these items. Shipping starts at $5.99 but new customers qualify for free shipping on orders of $25 or more. Prescription drugs are excluded. Fantom Drives G-Force 2TB eSATA\USB 2.0 Hard Drive - GF2000EU32 $79.99 ar / fs @ buy Fantom Drives G-Force 2TB eSATA\USB 2.0 Hard Drive - GF2000EU32$20 Mail in Rebate Purchase this Fantom Hard Drive from Buy and Receive a $20 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 2/21/2011 to 2/27/2011 To what extent can you use a pseudonym in business I was just curious at what point you would be considered to be breaking the law if you used a complete pseudonym in business not a nickname/variation of your legal name .For example can I use a pseudonym to register a business with the state on an Articles of Organization most states want to know the names of the members of an LLC What about opening a bank account or adding a pseudonym as a signer on the account . What about signing contracts with other companies or other individuals What about getting a merchant processing account What about signing up for something like a UPS mailbox or a PO Box When I say pseudonym I mean for my personal name. I am fully aware that the legal name of the business can be totally different from my personal name. Also the purpose of the pseudonym would be for identity protection/anonymity not fraud. While I don't have a specific example of a business right now and I was just thinking about it after I read an article about funny pseudonyms certain entertainers use I can definitely see situations where using a pseudonym in business would be useful or wise. I'm just curious how far you can go. Patagonia Sale Up to 50% off fall / winter apparel deals from $38 + $9 s h Patagonia takes up to 50% off select fall and winter 2010 apparel during its latest sale. Product page reflects discount. That's among the best percent-off discounts we've seen from this merchant with many price lows. Shipping starts at $8.50 or spend over $75 for free shipping. Sales tax is added where applicable. Deal ends February 21. Some best bets with prices after discount see all discounted fall and winter 2010 apparel at PatagoniaStore something for next fall and winter for your families. STEVI B'S PIZZA BUFFET - Pay only $7.00 for Two Adult Pizza Buffets + Drinks - Motor City Daily Deal - Ends 2/21 Monday Stevi B's Pizza Buffet 50670 Waterside Chesterfield MI 48051 586-948-1350 Stevi B's has a passion for pizza starting at the fresh dough made from scratch each and every morning to using only 100% real cheese and garden fresh vegetables They feature everything from your favorite everyday toppings to original Stevi B's creations like the Macaroni and Cheese Pizza or the Loaded Baked Potato Pizza.http //gmd.mediawebconnect /daily RESTRICTIONS - JUST A FEW ========================= Any fine print Online Delivery of Certificate Denomination $15.00 Expires 08/20/2011 Limit one per customer may also purchase four additional certificate as a giftMust be used in one visitCan't use until day AFTER purchaseThis Motor City Daily Deal certificate is redeemable for goods or services sold by the merchant identified on the certificate. The merchant is solely responsible for redeeming any certificate you purchase. This Motor City Daily Deal certificate cannot be used for taxes tips prior balances shipping or handling charges. If you redeem this certificate for less than the total face value you will not be entitled to receive any credit or cash for the difference between the face value and the amount you redeemed unless otherwise required by applicable law. Certificates cannot be redeemed for cash or applied as payment to any account unless required by applicable law. Neither Media WebConnect Greater Media Detroit or merchant shall be responsible for lost stolen or damaged certificates including a certificates unique reference number if any . You may be required to provide identification to the merchant when redeeming this certificate for certificate validation purposes. This Motor City Daily Deal certificate cannot be combined with any other MCDD or merchant certificates third party certificates coupons or promotions unless otherwise specified by the merchant. Only one Motor City Daily Deal certificate may be used per order or transaction unless otherwise specified by merchant. Reproduction sale or trade of this Motor City Daily Deal is prohibited. Any attempted redemption not consistent with these terms and conditions will render this Motor City Daily Deal void. Yamaha RXA1000 receiver + Klipsch HD500 speaker system $1000 or Denon AVR3311 + Pioneer S-31-LR $1200 at amazon and more To see the discount add both of the paired items to your cart. Click on the tab names across the top of the product list to see which products we have paired for a savings. Changes will be reflected during checkout.Offer is valid only when eligible items are purchased from Amazon and does not apply to purchases made from other merchants on the Amazon website. Through February 28 2011 or while supplies last. See full terms and conditions.Harman Kardon HKTS20BQ and Yamaha RXV667 just $699 Klipsch Quintet and Pinnacle Subsonix 10-200 just $549 Velodyne MicroVee and Pinnacle SBAR3509 just $799 Yamaha RXA2000 and KEF KHT1005.2 just $1399.99 Denon AVR3311 and Pioneer S-31-LR Floor just $1199.99 Mirage Nanosat5.1 and Pioneer VSX820 just $599.99 MartinLogan ML262 and MartinLogan Dynamo500 just $899 Yamaha RXA1000 and Klipsch HD500 just $999.95http // amazon /gp/feature.html/ref=amb_link_355104822_3 i... Yamaha RXA1000 receiver + Klipsch HD500 speaker system $1000 shipped at amazon and more To see the discount add both of the paired items to your cart. Click on the tab names across the top of the product list to see which products we have paired for a savings. Changes will be reflected during checkout.Offer is valid only when eligible items are purchased from Amazon and does not apply to purchases made from other merchants on the Amazon website. Through February 28 2011 or while supplies last. See full terms and conditions.Harman Kardon HKTS20BQ and Yamaha RXV667 just $699 Klipsch Quintet and Pinnacle Subsonix 10-200 just $549 Velodyne MicroVee and Pinnacle SBAR3509 just $799 Yamaha RXA2000 and KEF KHT1005.2 just $1399.99 Denon AVR3311 and Pioneer S-31-LR Floor just $1199.99 Mirage Nanosat5.1 and Pioneer VSX820 just $599.99 MartinLogan ML262 and MartinLogan Dynamo500 just $899 Yamaha RXA1000 and Klipsch HD500 just $999.95http // amazon /gp/feature.html/ref=amb_link_355104822_3 i... Amazon Presidents' Day Sale $10 off apparel over $50 $25 off $100 The Amazon Presidents' Day Sale takes $10 off select apparel and accessories of $50 or more via coupon code "PREZDAYA". Or spend $100 or more and take $25 off via coupon code "PREZDAYB". With free shipping on all orders over $25 it's the best such dollar-off sale I've seen on apparel from Amazon since August. Note that purchases must be made via Amazon only purchases from third-party merchants can't be combined to qualify. Logitech C510 Webcam $24.99 ar / fs @ buy Logitech C510 Webcam - 960-000593$15 Mail-in Rebate Purchase this Logitech product from Buy receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 2/13/2011 to 2/19/2011 Boxee Box by D-Link Streaming Media + Vudu + Netflix + Pandora $138 with Free Shipping Grabbed this link from the Boxee Box Forums user SSCR https //pipeline.businessinsider /offer/dlink-systems-inc/ No idea about the merchant but I am about to buy a second box for this price. The box is awesome based on XBMC and plays almost any format you can throw at it. Chase Freedom Visa Credit Card $150 Cash Back Get started with $150 CashBack after you spend just $500 in your first 3 months Up to an additional 10% Cash Back when you shop online at select merchants through Chase Earn an Unlimited 1% Cash Back on all your purchases. You'll earn a total of 5% Cash Back quarterly bonus categories that change. these categories include gas groceries dining even home improvement. 5% Cash Back categories are subject to a quarterly enrollment and maximum. No Annual Feehttps //applynowdc2.chase /FlexAppWeb/renderApp.do SPID=D96R ... cc processing accounts for fun and profit Wanted to toss this idea out there and see how many problems there would be with it.For the purpose of obtaining credit card rewards many people seem to be buying things like gold coins or money orders etc.. What would be the advantages and disadvantages of simply opening a merchant account with a credit card processing company As long as your rewards rate is higher than the transaction costs for the processing company you would come out ahead.Some problems I can see with this are The complexity Potentially illegal Needing to form a legit business Taxes on the income from the fake sales The taxes part seems the most worry some. But one could get around that by having two businesses each buying things from each other resulting in a net profit of ~0 for the businesses. JCPenney Presidents' Day Sale 50% off furniture JCPenney takes 50% off select furniture items as part of its Presidents' Day Sale. Plus take 40% off handbags dresses sleepwear and jewelry. Combined that's the best sale we've seen from this merchant in recent weeks and puts many styles at lowest-we-could-find prices. Shipping starts at $5.95 or get free shipping on orders of $69 or more via coupon code "WEHAVEIT". Sales tax is added where applicable. Sale ends February 22.I get a birthday gift for my friend here Lucky girl who was borned on Feb.14th. LoL is that mean she can only get one gift but not 2 separately for birthday and valentine's day from her boyfriend. Logitech Z623 Speaker System THX-Certified 2.1 200 Watts RMS $94.99 ar / shipped @ buy Logitech Z623 Speaker System THX-Certified 2.1 200 Watts RMS - 980-000402$25 Mail-in Rebate Purchase this Logitech product from Buy and receive a $25 Mail-in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 2/13/2011 to 2/19/2011 TomTom XXL 540TM World Traveler 5-Inch Widescreen GPS Navigator $170 Shipped @ Amazon Gold Box http // amazon /gp/goldboxhttp // amazon /TomTom-Traveler-Widescreen-Portable-Naviga...Today only buy the tomtom XXL 540TM World Traveler GPS for $169.99 and get a carry case for free. The tomtom XXL 540TM World Traveler features a 5-inch touchscreen free lifetime traffic and map updates and maps of the United States Canada Mexico and Europe. Plus the lightweight and durable case keeps your tomtom protected while minimizing bulk with its form-fitting design.To take advantage of this special offer simply add both the qualifying GPS and case to your cart the discount will be applied at checkout.Applies only to products sold by Amazon does not apply to items sold by other merchants on the Amazon website. Offer good today only February 14 2011 while supplies last. TomTom XXL 540TM World Traveler 5-Inch Widescreen GPS Navigator Lifetime Traffic/Maps $170 Shipped + Free Case AMAZON LinkToday only buy the tomtom XXL 540TM World Traveler GPS for $169.99 and get a carry case for free. The tomtom XXL 540TM World Traveler features a 5-inch touchscreen free lifetime traffic and map updates and maps of the United States Canada Mexico and Europe. Plus the lightweight and durable case keeps your tomtom protected while minimizing bulk with its form-fitting design.To take advantage of this special offer simply add both the qualifying GPS and case to your cart the discount will be applied at checkout.Applies only to products sold by Amazon does not apply to items sold by other merchants on the Amazon website. Offer good today only February 14 2011 while supplies last. FREE GoPayment A Mobile Payment- Just Like Sqaure UP Accept Payments on the GO Get paid on the spot Free card reader $0 monthly service fee Accept credit cards on your mobile phone and get paid as soon as the job is done. Start now in 3 easy steps.Sign up for an Intuit Merchant Account. Download the GoPayment mobile app. Accept credit cards on your phone anytime anywhere Supported Phone's Amazon/ Mattel Save $10 off these games - Mindflex $42.50 Uno Flash $17 Sonic Slam $21. w/ discounts Amazon Get an Additional $10 off on Mattel Games For a limited time get an additional $10 off on each of these three Mattel games Mindflex Sonic Slam and UNO Flash. Discount will be applied at checkout. Discounts only apply to items sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Also for an even greater value take advantage of FREE Super Saver Shipping restrictions apply and Prime restrictions apply .Mindflex Game - Mattel $42.50 List Price $79.99 Price $52.50 this item ships for FREE with Super Saver Shipping. You Save $27.49 34% Save $10 Mattel Promotion $42.50- will show at checkout http // amazon /gp/product/B001UEUHCG/ref=ord_cart_shr ie=...Mindflex featuring a headset that reads your brain waves and a levitating foam ball is the kind of game that must be seen to be believed. Recommended for players aged eight and older the game begins when you strap on the headset so you can use your powers of concentration to move the ball around the game console and through a mind-bending obstacle course. A dial-in console lets you to keep the ball lifted on a cushion of air but raising and lowering the ball must be accomplished by alternating concentrating and relaxing your mind. Mindflex combines advanced technology with the power of thought Finalists for 10th Annual Toy of the Year TOTY Awards Our recommended age 8 years and up UNO Flash Game by Mattel $17.24 4.4 out of 5 stars See all reviews 73 customer reviews List Price $34.99 Price $27.24 this item ships for FREE with Super Saver Shipping. Details Final Price w / $10 Mattel Promotion $17.24 http // amazon /Mattel-M1002-UNO-Flash-Game/dp/B0014411SG/... Forget everything you thought you knew about UNO Clockwise Counterclockwise Nope it's totally random This exciting electronic version selects who's next so you have to stay alert. Did you blink Uh-oh you missed your turn and time ran out. It's the fast crazy game that will keep you guessing on your toes and raring to go. And just when you think you can relax and take a breath you still need to remember to yell UNO. Fun for all ages Item model number M1002 Batteries 3 AA batteries required. included Sonic Slam Game by Mattel $21.18 List Price $ 34.99 Price $31.18 $21.18 W/$10 Mattel PROMOTION http // amazon /Mattel-T7003-Sonic-Slam-Game/dp/B003DVB73M... Product Features Sonic Slam is the virtual game of tennis that allows you to play anytime indoors or outdoors With sound and motion technology Lets you control the speed and distance the ball travels between competitors Features cool lights sound and voice effects Includes 3 game modes that make Sonic Slam fun for the entire family Free Taco at California Tortilla W/Email Signup Just sign up below to receive our newsletter secret discounts AND a free taco. We promise we won't bug you or give your information to anyone else.http //tacotalk.californiatortilla /login/eclub-register.srv ... They will email you a code that you take in store to get your free taco. It expires one week from signing up. Theyre located in DE DC MD PA VA and WV Amazon Mom members coupons off Wine Hope in a Jar Nestle cards and candy from an email I received this morning As an Amazon Mom member you might be interested in these limited-time Valentine's Day sweet deals -Extra 15% off select Wine gift baskets with promo code GIFTSFEB at checkout* -20% off a 2-ounce limited-edition Hope in a Jar with promo code XP9OAMKO at checkout* -15% off Nestle Valentine's Day cards and candy with promo code NESTVDAY at checkout* Learn more http // amazon /gp/feature.html/ref=pe_00_head/ docId=1000... *Promotion Details Applies only to products sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Use promo code at checkout. Offer expires February 14 2011 while supplies last. Amazon reserves the right to cancel offers at any time. Kingston HyperX X2 Grey Series 4GB 2 x 2GB DDR3 SDRAM 1600MHz 240-Pin Desktop Memory $34.95 ar / shipped @ buy Kingston HyperX X2 Grey Series 4GB 2 x 2GB DDR3 SDRAM 1600MHz 240-Pin Desktop Memory - KHX1600C9D3X2K2/4GX$15 Mail in Rebate Purchase this Kingston Product from Buy and receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 2/4/2011 to 2/11/2011 Amazon Free 2-Day shipping on select Valentine's Day chocolate and gourmet gifts FREE Two-Day Shipping Terms and Conditions * Promotional offer valid for a limited time only. Items placed in Shopping Cart overnight may not be eligible for promotion at time of checkout. * Promotion applies only to qualifying items displaying the offer message on their product information pages. Items that do not display the offer message do not qualify regardless of the nature of the item. * Applies only to select chocolate and gourmet gifting sold by Amazon . Does not apply to items sold by other merchants. * Does not apply to any products purchased on any other website operated by Amazon . * FREE Two-Day Shipping offer applies only to chocolate and gourmet gifting not the complete order. * Offer must be redeemed through the Shopping Cart. Does not apply to orders placed with 1-Click. * Offer may not be combined with other offers. * Standard-shipping upgrade offer valid for free two-business-day shipping within the U.S. only. * No weekend delivery no P.O. boxes or APO/FPO. Convert SPG points to AMEX GC if you have Amex Delta Gold Lets say I have 20000 SPG points. If I don't want to use them for hotel/airfare the best deal so far is Amazon GC.Now let's say I also have an AMEX Delta Gold Card and a SkyMiles account. I should be able to transfer 20000 +5000 bonus = 25000 miles to SkyMiles account. And according to this thread centrifuge41 said With a Skymiles AMEX Gold a $100 AMEX GC costs 11 000 miles which is a 91% cash-out rate. $100 Merchant gift cards are 10 500 miles. Not too shabby. thanks centrifuge41 . So I can get $200 AMEX GC and still have 3000 miles left over in Skymiles. To me AMEX GC is as good as cash.Anyone tried this Discover card members sign up now for 5% cash back bonus in MARCH for Grocery and Drug stores Link to discovercard Discover card members sign up now for 5% Cash Back bonus in MARCH for Grocery and Drug storesMarch only Earn 5% CashBack Bonus* on up to $200 in purchases throughout March at Grocery Stores Drug StoresFINE PRINT * Earn 5% CashBack Bonus on purchases made at grocery stores and drug stores from 3/1/11 or the date on which you signed up whichever is later through 3/31/11 subject to a cap of $200 in purchases. Grocery store and drug store purchases are those made at merchants classified as stand-alone grocery stores supermarkets or drug stores. Grocery or food purchases made at convenience stores gas stations warehouse clubs supercenters and discount stores are not eligible. If a purchase is coded for a category other than those listed above it will not qualify. Allow up to 5 weeks for this reward to be added to your CashBack Bonus account. See CashBack Bonus Program Terms and Conditions for further details. 30% off or more at Top Hotels Worldwide at Orbitz + Up to 4.2% Cash Back 0 Posted By FatWallette Views 184 Replies 0 Orbitz Worldwide NYSE OWW is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. $100 Off Hawaii Carib or Mexico Vacation Packages Code 100VACATION 30% off or more at Top Hotels Worldwide Australia Flight + 5 nights from $1 522 U.S. Mexico Caribbean Fares on Sale Fly from $118 round-trip Mega Cruise Huge Early-Bird Savings More Offers from Orbitz Up to 4.2% FatWallet Cash Back Terms $3.00 Cash Back available for each Air ticket purchased1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on Activities4.2% Cash Back available on Merchant HotelMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Amazon Pre-order Tangled 3d $29.99 and get $10 off another select disney movie LINKAmazon Pre-order Tangled 3d $29.99 and get $10 off another select disney movie Order Tangled Combo Pack and Save Save $10 when you order Tangled Combo Pack with one of the eligible titles below. This offer is valid through April 4 2011. Applies only to products sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Hunter Mountain Ski Resort - Buy 1 get 1 Free Lift Ticket w/ Discover Card by 2/28/11 Hunter Mountain Ski Resort - Buy 1 get 1 Free Lift Ticket w/ Discover CardGot a flyer in the mail for this. Not many details so I'm not sure if you buy two then get credit back for one or if Hunter is aware and you'll just receive an additional lift ticket when purchasing. I am going to make some call and post details.Fine print - "Buy one lift ticket get one free on purchases made with your Discover card between 2/1/11 - 2/28/11. These purchases must post to your account by 2/28/11. We are not responsible for merchant delays in processing transactions. Lift ticket must be used by 3/31/11 cannot be resold or auctioned.EDIT - called Hunter and Discover and they both said pay with your Discover card and they'll just give you an additional lift ticket. Hunter rep asked to me show her pic of the flyer - emailed and waiting on response to see if I can use it multiple times 10% OFF NEW XBOX 360 and PS3 Games at Gamestop with FREE SHIPPING Use Coupon code JUMP10 at checkout for 10% off new in-stock Xbox 360 and PS3 games at Gamestop WITH FREE SHIPPING Online only while supplies lasts. Does not apply to Collector's/Special Additions. Not valid on add-ons or digital content. Valid 1/31 only Plus enjoy free shipping on orders of $20 or more.This offer is valid online only and cannot be combined with any other coupons discounts or promotions. Gift Cards/Certificates purchased from this Merchant do not apply unless stated otherwise. Savings will only be delivered when you purchase through the link provided on this page. If you visit this Merchant through other websites prior to your purchase you will not receive the program savings. Tax and shipping costs do not apply to this offer unless stated otherwise. You may lose your savings when you return purchased item s . Enter offer code at checkout to redeem discount. Mitsubishi LT55164 55" Edge Lit LED HDTV with 16-Speaker System $1499.99 AC FS at Tiger Direct Mitsubishi LT55164 55" Edge Lit LED HDTV with 16-Speaker System $1499.99 AC with Free Shipping at Tiger Direct Coupon code LT55164 to drop initial price of $2099.99 down to $1499.99Every other merchant has this set for $2099 making the Tiger Direct deal the best by $600. Specs Diagonal Size 55" Display Type LED Resolution 1920 x 1080 Screen Refresh Rate 120Hz Signal Compatibility 1080p Input Video Signal ATSC QAM NTSC Compatibility VESA 400 mm X 200 mm Features USB Wireless Speakers 16 Inputs USB HDMI Ethernet RJ45 RF Input Outputs Analog Audio Digital Audio Out Variable Audio HDMI Ports 4 Power Consumption 140W FatWallet Deal Hunter staff posts are certified ad-free. No money bribes or candy have been accepted. Asus SDRW-08D2S-U External Slim DVD-ROM Drive- Black $29.24 ar / shipped @ buy Asus SDRW-08D2S-U External Slim DVD-ROM Drive- Black - SDRW-08D2S-U/BLACK $10 Visa Card by Mail in Rebate Purchase this ASUS Product from Buy and receive a $10 Visa Card by Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/1/2011 to 1/31/2011 Animaniacs Volume 2 DVD $10 shipped from Amazon Marketplace various So I was going through memory lane and decided I wanted a cartoon from my childhood Animaniacs . So I started looking around.Volume 1 tended to be pricy most asking $20+ shipped but then I saw the price of Volume 2 and had to do a double take.The Amazon merchants apparently are in such a tight price war on this item that they're at $6.97 + $2.98 shipping... essentially $10 shipped Browse over to the Amazon MarketplaceOn the right hand side under "More Buying Choices" click on "xx used new from $x.xx". Filter out only the new... and you will see 2-3 folks all in the same range for animany budget goodness $6.97 to $6.99 And quite frankly that's an "Animanie totally insaney chicken chow meiny" price for 25 episodes of classic spielberg cartoon goodness $0.40 an episode folks... . And those are the facts Save $100 on Wine Case from WSJwine $90 shipped plus 3 Free Chiantis WSJwine The inside track to the worlds best value wines ... direct from the vineyard Our wine partner has a fascinating history. In 1969 wine merchant Tony Laithwaite began a wine trek that took him to vineyards and cellars worldwide. He shared his finds and experiences the stories that made each wine unique with a growing band of enthusiastic customers. 100% satisfaction guaranteed $100 Wine Voucher code 3132015 to use on 12 bottle introductory case Choose from All-Red All-White or Mixed Selection for $69.99 plus shipping Plus order now and receive FREE 3 Bottles of Fine Chianti $47.97 value and FREE Tasting Notes and Binder. There is no commitment and you may cancel at any time Online here https // wsjwine /special_offer2_spt.aspx promo=3132015 ut... or call 1-877-975-9463How the Discovery Club works Your special introductory case is just $69.99. plus $19.99 shipping. Every 3 months our experts will reserve a special 12-bottle case for you at a great price of just $139.99 $19.99 shipping plus applicable tax .All selections will be premium wines from top quality producers around the world. Accept the cases you want defer the cases you don't. It's that simple -NO membership fees -Advance notice of your next wine case before shipping accept or defer as many cases as you wish. -NO obligation to take future cases. -Savings of at least 20% on normal price with every case. -FREE Tasting Notes included with every case you take. -Change wine preference anytime example from all-reds to a mixed case . -Cancel anytime no Minimum purchase required Nextar Q4LT 4.3-inch Navigation System - Text-To-Speech 3D Building Landmarks Live Traffic for $59.99 @ Buy The Q4-LT GPS navigation system by Nextar features a 4.3-inch touch screen display voice-guided directions live traffic reports by NAVTEQ 2D and 3D map-viewing modes and Tele Atlas maps of the U.S. and Canada with 1.6 million points of interest. Click Here and add to cart for $59.99 + Free shipping Offered by Third party merchant Cavalry CAU3H Marlin Series 1TB USB 3.0 External Hard Drive $66.99 ar / shipped @ buy Cavalry CAU3H Marlin Series 1TB USB 3.0 External Hard Drive - CAU3H3701T0$10 Mail in Rebate Purchase this Cavalry Hard Drive from Buy and Receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/27/2011 to 2/9/2011 Verbatim Easy Riser Notebook Optical Mouse - 96990 $5.99 ar / shipped @ Buy Verbatim Easy Riser Notebook Optical Mouse - 96990$10 Visa Card by Mail-in Rebate Purchase this Verbatim product from Buy receive a $10 Visa Card by Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/21/2011 to 1/31/2011 Sigma Lens #737306 150-500mm $891.09 with Free Lens Cleaning Kit FS at Abe's of Maine Sigma Lens #737306 150-500mm F5-6.3 APO DG OS HSM for Nikon $891.09 with Free Lens Cleaning Kit and Free Shipping at Abe's of MaineAbe's of Maine has a great deal on this lens today. Regular price is $999 which is the price elsewhere. Simply Electronics has it for $929 but I'm not familiar with them and their rating is a bit low on Reseller Ratings.Discount taken in cart. Actual discount is 9% + $18. Oh and a free lens cleaning kit. You can never have too many of those Other lenses with this deal all include the lens cleaning kit Sigma #571306 24-70mm F2.8 IF EX DG HSM for Nikon for $800.09 reg. $899 about $100 less than the next best price.Sigma #888101 18-200 f/3.5-6.3 DC OS lens for Canon $317.79 reg $369 Best deal by $52Sigma #508101 70-300 F4-5.6 APO DG macro telephoto zoom lens for Canon $172.19 reg 209 Electronics Expo is the only merchant to get close to this deal with a price of $197.81. FatWallet Deal Hunter staff posts are certified ad-free. No money bribes or candy have been accepted. Sigma 150-500mm for Nikon with Free Lens Cleaning Kit $891.09 was $999 @ Abe's of Maine Discount taken in cart. Actual discount is 9% + $18. Oh and a free lens cleaning kit. You can never have too many of those Other lenses with this deal all include the lens cleaning kit Sigma #571306 24-70mm F2.8 IF EX DG HSM for Nikon $800.09 reg. $899 about $100 less than the next best price.Sigma #888101 18-200 f/3.5-6.3 DC OS lens for Canon $317.79 reg $369 Best deal by $52Sigma #508101 70-300 F4-5.6 APO DG macro telephoto zoom lens for Canon $172.19 reg 209 Electronics Expo is the only merchant to get close to this deal with a price of $197.81. This Deal Has Expired Chase Freedom CC Pay 3 service providers for 3 months. $20 bonus Similar to the debit card promo last year but this e-mail was directed at my Chase Freedom CC. YMMV if you haven't received the e-mail.The way I read it Pay 3 utility companies listed at ChaseBillManager . Can initiate CC payments from providers' sites.Make three different payments with your Chase Freedom CC each monthRepeat for 3 consecutive monthsGet 2000 pointsDon't see why you can't just make ~$1-payments. Its easy to get your $20 bonus Visit ChaseBillManager to locate your service providers.Contact your providers and request that at least 3 of these bills be signed up for automatic payment with your Chase freedom credit card Cable/Satellite TV Wireless phone Home phone Internet service providers Auto insurance Or you can log in and make an individiual payment each month Get $20 bonus Cash Back after three consecutive months of payments made before 04/17/20111. Thats 2 000 points Youll save yourself the time and hassle of mailing a check every month. And youll never miss a due date. Plus youll always earn 1% Cash Back for every payment you make 2If you are concerned about the authenticity of this message please click here or call the phone number on the back of your credit card and reference the Chase Library Code 25066emob. If you would like to learn more about e-mail security or want to report a suspicious e-mail click here.TERMS AND CONDITIONS You will receive your bonus if you meet the requirements specified in this offer. Billers must classify their merchant location for Visa/MasterCard in any of the following categories cable and satellite television and radio services internet services wireless/telecommunications services and equipment insurance payments. We do not determine whether merchants correctly identify and bill transactions as being made in each category. However we do reserve the right to determine which purchases qualify for the bonus rewards. Please allow 8 to 10 weeks after the last day of the promotional period for bonus rewards to post to your account. Credit card product changes during the promotional period will forfeit this bonus offer. To qualify for this bonus offer account must be open and not in default at the time of fulfillment. This promotional offer is non-transferable. 2See Rewards Program Rules and Regulations for details. eBillme Double cash back on select gift card purchases includes Amazon Home Depot Dell etc eBillme Double Cash Back on select gift card purchases includes Amazon Home Depot Overstock Dell FootLocker and more Today only eBillme offers double the advertised Cash Back from select merchants when you checkout with eBillme and pay using your bank's online bill pay. To join pay your bill and click the JOIN Cash Back button on your bill or receipt. Qualified cards are marked.Select Offers 20% Cash Back on Home Depot Gift Cards Amazon Gift Cards Overstock Gift Cards Foot Locker Gift Cards and Dell Gift CardsLINKYCredit goes to mikeyp0003 at SD. Double cash back on select gift card purchases includes Amazon Home Depot Overstock Dell Footlocker and more eBillme Double Cash Back on select gift card purchases includes Amazon Home Depot Overstock Dell FootLocker and more Today only eBillme offers double the advertised Cash Back from select merchants when you checkout with eBillme and pay using your bank's online bill pay. To join pay your bill and click the JOIN Cash Back button on your bill or receipt. Qualified cards are marked.Select Offers 20% Cash Back on Home Depot Gift Cards Amazon Gift Cards Overstock Gift Cards Foot Locker Gift Cards and Dell Gift Cards Link eBill KIA MOTORS - Test Drive for 2 Free Atlanta Hawks Tickets Valued Up to $200 - GA USA - Ends 03/15/11 Kia Motors Test Drive for Atlanta Hawks Tickets Offer Terms Conditions INDIVIDUALS MUST MENTION OFFER AT TIME OF TEST DRIVE IN ORDER TO RECEIVE A VOUCHER FOR THE TICKETS. =================================================================================================== Kia Motors Test Drive for Atlanta Hawks Tickets Offer the Offer is a limited time while supplies last offer. The Offer is sponsored by Kia Motors America Inc. Kia 111 Peters Canyon Road Irvine CA 92606 and its authorized Metro Atlanta-area participating dealerships listed below and administered by the Atlanta Hawks L.P. the Hawks 101 Marietta Street NW Suite 1900 Atlanta GA 30303 collectively the Offer Entities . The terms you or your mean the person to whom a Certificate defined below is issued to. Participation in the Offer constitutes the participant's full and unconditional agreement to these Terms and Conditions. Receipt of Certificate may require participants to sign paperwork issued by the Offer Entities. 1. How To Qualify To qualify for the Offer eligible consumers will need to test drive any new unused 2010-2011 Kia automobile at a participating Metro Atlanta-area Kia Retailer listed below during the Offer Qualifying Period defined below . On the completion of the test drive consumers will receive a Promotional Code defined below for two 2 upper level Hawks tickets valued at up to $100 each $200 total while supplies last to a home Hawks regular season basketball game. Limit one 1 test drive/Promotional Code per person. Individuals will not receive more than one 1 Promotional Code if they choose to test drive multiple Kia vehicles. Redemption of the Offer is expressly conditioned upon acceptance of and compliance with all of these Offer "Terms and Conditions". Participating Metro Atlanta-area Kia Retailers ============================================== http // nba /hawks/kia/testdrive_2011_rules.html Offer Qualifying Period Offer Qualifying Period January 15 2011 until March 15 2011 or while supplies last.2. Eligibility Except as expressly set forth in this Section 2 the Offer is only open to legal residents of the U.S. and the state of Georgia who live within a seventy-five 75 mile radius of Philips Arena eighteen 18 years of age or older at the time of vehicle test drive. The Offer is subject to all Kia Retailer test drive requirements as applicable. Failure of an individual to satisfy any such requirement e.g. failure to produce a drivers license at the dealership will disqualify such individual from the Offer. Further any individual who has been banned from attending 2010-11 Hawks home games is not eligible. Employees of the Offer Entities and each of their respective parents subsidiaries affiliates and agents and the immediate family spouse parents siblings and children and household members whether legally related or not of each such employee are not eligible to participate. 3. Tickets /Receive Your Certificate On the completion of a test drive of a new Kia automobile at one of the participating Metro Atlanta-area Kia Retailers eligible customers will receive a certificate Certificate containing a unique promotional code the Promotional Code . The Promotional Code is redeemable online at LINKY the Website . The Promotional Code is a one time use only promotional access code good towards two 2 upper level tickets for a participating Hawks home game at Philips Arena based on availability. The Promotional Code must be redeemed prior to the date set forth on the Certificate. When redeeming the Promotional Code on the Website individuals may be required to complete a short survey. After redemption of the Promotional Code on the Website tickets can ultimately be picked up at will-call at Philips Arena on game day. A list of potential Hawks home games will be selected by the Offer Entities in their sole and absolute discretion. Eligible participants will choose from the list of available games which are subject to change without notice. The Offer Entities may substitute games in their sole and absolute discretion. Further the Offer Entities make no promises or representations regarding the location of the seats of the tickets in the arena. Individuals who satisfy the Offer requirements will not be permitted to select the location of their seats. Additionally the Offer is subject to all of the terms and conditions set forth on the tickets including without limitation compliance with the NBA Fan Code of Conduct. Tickets are subject to Offer availability and venue capacity restrictions. Tickets to a particular game are not guaranteed. Any and all taxes of any kind fees and other related costs incurred in conjunction with attending the games associated with the tickets including without limitation transportation and costs for parking at the arena are the sole responsibility of the recipient. Promotional Code and tickets cannot be replaced if lost stolen or destroyed and are only valid for the games and seats for which they are issued. Tickets are not transferable or reproducible and may not be sold or auctioned or bartered. No cash value or Cash Back if games are cancelled for any reason. Further tickets are a revocable license and admission to the games may be refused for any or no reason by the Hawks. All redemptions are final. The Offer cannot be combined with other product offers or promotions. Use of the Promotional Code for unauthorized advertising marketing or other promotional purposes is strictly prohibited. Promotional Codes are void if a not obtained in accordance with these Terms and Conditions and through legitimate channels or b any part of the Promotional Code is counterfeit altered defective tampered with or irregular in any way. In the event you receive a defective Promotional Code your sole remedy and the Offer Entities' sole liability is to replace the defective Promotional Code while supplies last . The Promotional Code must be redeemed while supplies last. 4. Limited Time Offer/While Supplies Last This Offer is a limited time offer and is subject to availability and while supplies last. 5. Administration Kia and/or the Hawks expressly reserve the right to amend suspend or terminate this Offer at any time without prior notice or consent. Administration of this Offer is at the sole discretion of Kia and/or the Hawks. Any questions relating to eligibility these Terms and Conditions or any other questions concerning this Offer will be resolved at the sole discretion of Kia and/or the Hawks and their decisions will be final and binding with respect thereto. No requests for exchanges seat location or cash equivalent for the tickets will be considered and no substitutions will be made. Qualified individuals must sign any required documents in connection with the Offer as determined by Kia and/or the Hawks in their sole and absolute discretion. No responsibility is assumed by the Offer Entities or its affiliates for cancelled delayed suspended or rescheduled events. No groups clubs corporations companies partnerships or organizations may participate in this Offer or reproduce or distribute any portion of these Terms and Conditions to their members. 6. Release and Waiver of Liability By redeeming this Offer individuals agree to release defend indemnify and hold harmless the Offer Entities including the National Basketball Association its member professional basketball teams including the Hawks and each of their respective parent corporations subsidiaries advertising and promotion agencies affiliates directors officers employees representatives and agents from and against any and all liability claims or actions of any kind whatsoever however named or described for injuries death damages or losses to persons and property which may be sustained in connection with i participants participation in the Offer and ii the receipt use or misuse of the tickets or while preparing for participating in and/or traveling to any ticket-related activity. The Offer Entities expressly disclaim any responsibility or liability for injury or loss to any person or property relating to the delivery and/or subsequent use or misuse of the tickets. In consideration of the tickets each individual hereby agrees and consents without further authorization compensation or remuneration of any kind to the use of such individuals name photograph likeness including his/her voice biographical information and statements concerning the Offer in any and all advertising promotions and other publicity conducted by the Offer Entities and/or the National Basketball Association its member professional basketball teams including the Hawks and each of their respective parents subsidiaries and affiliates. 7. Construction/Disputes All issues and questions concerning the construction validity interpretation and enforceability of these Terms and Conditions or the rights and obligations of any individual or the Offer Entities shall be governed by and construed in accordance with the laws of the State of Georgia without giving effect to any choice of law or conflict of law rules or provisions whether of Georgia or any other jurisdiction that would cause the application of the laws of any jurisdiction other than Georgia. The parties agree that all disputes arising out of or connected with these Terms and Conditions or the Offer will be resolved individually and without resort to class action. 8. DISCLAIMER OF WARRANTIES/LIMITATION OF LIABILITY TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW INDIVIDUALS WHO PARTICIPATE IN THE OFFER AGREE THAT ANY TICKETS RECEIVED ARE PROVIDED AS-IS WITHOUT ANY WARRANTY REPRESENTATION OR GUARANTEE EXPRESS OR IMPLIED IN FACT OR IN LAW WHETHER NOW KNOWN OR HEREINAFTER ENACTED RELATIVE TO THE USE OR ENJOYMENT OF THE TICKETS INCLUDING WITHOUT LIMITATION ITS QUALITY MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTIONS LAW IS APPLICABLE TO THESE TERMS AND CONDITIONS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW NONE OF THE OFFER ENTITIES ARE RESPONSIBLE OR LIABLE FOR ANY DIRECT INDIRECT INCIDENTAL CONSEQUENTIAL SPECIAL ECONOMIC EXEMPLARY PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT NEGLIGENCE STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY DIRECTLY OR INDIRECTLY TO REDEMPTION OF THE OFFER EVEN IF FORESEEABLE OR EVEN IF THE OFFER ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.9. Miscellaneous No waiver of any of the provisions of these Terms and Conditions shall be deemed or shall constitute a waiver of any other provisions hereof nor shall waiver constitute a continuing waiver unless otherwise expressly provided. If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction such provision shall be severed from the remainder of these Terms and Conditions which will otherwise remain in full force and effect. KIA MOTORS - Test Drive for 2 Free Atlanta Hawks Tickets Valued Up to $200 - GA USA Kia Motors Test Drive for Atlanta Hawks Tickets Offer Terms Conditions INDIVIDUALS MUST MENTION OFFER AT TIME OF TEST DRIVE IN ORDER TO RECEIVE A VOUCHER FOR THE TICKETS. =================================================================================================== Kia Motors Test Drive for Atlanta Hawks Tickets Offer the Offer is a limited time while supplies last offer. The Offer is sponsored by Kia Motors America Inc. Kia 111 Peters Canyon Road Irvine CA 92606 and its authorized Metro Atlanta-area participating dealerships listed below and administered by the Atlanta Hawks L.P. the Hawks 101 Marietta Street NW Suite 1900 Atlanta GA 30303 collectively the Offer Entities . The terms you or your mean the person to whom a Certificate defined below is issued to. Participation in the Offer constitutes the participant's full and unconditional agreement to these Terms and Conditions. Receipt of Certificate may require participants to sign paperwork issued by the Offer Entities. 1. How To Qualify To qualify for the Offer eligible consumers will need to test drive any new unused 2010-2011 Kia automobile at a participating Metro Atlanta-area Kia Retailer listed below during the Offer Qualifying Period defined below . On the completion of the test drive consumers will receive a Promotional Code defined below for two 2 upper level Hawks tickets valued at up to $100 each $200 total while supplies last to a home Hawks regular season basketball game. Limit one 1 test drive/Promotional Code per person. Individuals will not receive more than one 1 Promotional Code if they choose to test drive multiple Kia vehicles. Redemption of the Offer is expressly conditioned upon acceptance of and compliance with all of these Offer "Terms and Conditions". Participating Metro Atlanta-area Kia Retailers ============================================== http // nba /hawks/kia/testdrive_2011_rules.html Offer Qualifying Period Offer Qualifying Period January 15 2011 until March 15 2011 or while supplies last.2. Eligibility Except as expressly set forth in this Section 2 the Offer is only open to legal residents of the U.S. and the state of Georgia who live within a seventy-five 75 mile radius of Philips Arena eighteen 18 years of age or older at the time of vehicle test drive. The Offer is subject to all Kia Retailer test drive requirements as applicable. Failure of an individual to satisfy any such requirement e.g. failure to produce a drivers license at the dealership will disqualify such individual from the Offer. Further any individual who has been banned from attending 2010-11 Hawks home games is not eligible. Employees of the Offer Entities and each of their respective parents subsidiaries affiliates and agents and the immediate family spouse parents siblings and children and household members whether legally related or not of each such employee are not eligible to participate. 3. Tickets /Receive Your Certificate On the completion of a test drive of a new Kia automobile at one of the participating Metro Atlanta-area Kia Retailers eligible customers will receive a certificate Certificate containing a unique promotional code the Promotional Code . The Promotional Code is redeemable online at LINKY the Website . The Promotional Code is a one time use only promotional access code good towards two 2 upper level tickets for a participating Hawks home game at Philips Arena based on availability. The Promotional Code must be redeemed prior to the date set forth on the Certificate. When redeeming the Promotional Code on the Website individuals may be required to complete a short survey. After redemption of the Promotional Code on the Website tickets can ultimately be picked up at will-call at Philips Arena on game day. A list of potential Hawks home games will be selected by the Offer Entities in their sole and absolute discretion. Eligible participants will choose from the list of available games which are subject to change without notice. The Offer Entities may substitute games in their sole and absolute discretion. Further the Offer Entities make no promises or representations regarding the location of the seats of the tickets in the arena. Individuals who satisfy the Offer requirements will not be permitted to select the location of their seats. Additionally the Offer is subject to all of the terms and conditions set forth on the tickets including without limitation compliance with the NBA Fan Code of Conduct. Tickets are subject to Offer availability and venue capacity restrictions. Tickets to a particular game are not guaranteed. Any and all taxes of any kind fees and other related costs incurred in conjunction with attending the games associated with the tickets including without limitation transportation and costs for parking at the arena are the sole responsibility of the recipient. Promotional Code and tickets cannot be replaced if lost stolen or destroyed and are only valid for the games and seats for which they are issued. Tickets are not transferable or reproducible and may not be sold or auctioned or bartered. No cash value or Cash Back if games are cancelled for any reason. Further tickets are a revocable license and admission to the games may be refused for any or no reason by the Hawks. All redemptions are final. The Offer cannot be combined with other product offers or promotions. Use of the Promotional Code for unauthorized advertising marketing or other promotional purposes is strictly prohibited. Promotional Codes are void if a not obtained in accordance with these Terms and Conditions and through legitimate channels or b any part of the Promotional Code is counterfeit altered defective tampered with or irregular in any way. In the event you receive a defective Promotional Code your sole remedy and the Offer Entities' sole liability is to replace the defective Promotional Code while supplies last . The Promotional Code must be redeemed while supplies last. 4. Limited Time Offer/While Supplies Last This Offer is a limited time offer and is subject to availability and while supplies last. 5. Administration Kia and/or the Hawks expressly reserve the right to amend suspend or terminate this Offer at any time without prior notice or consent. Administration of this Offer is at the sole discretion of Kia and/or the Hawks. Any questions relating to eligibility these Terms and Conditions or any other questions concerning this Offer will be resolved at the sole discretion of Kia and/or the Hawks and their decisions will be final and binding with respect thereto. No requests for exchanges seat location or cash equivalent for the tickets will be considered and no substitutions will be made. Qualified individuals must sign any required documents in connection with the Offer as determined by Kia and/or the Hawks in their sole and absolute discretion. No responsibility is assumed by the Offer Entities or its affiliates for cancelled delayed suspended or rescheduled events. No groups clubs corporations companies partnerships or organizations may participate in this Offer or reproduce or distribute any portion of these Terms and Conditions to their members. 6. Release and Waiver of Liability By redeeming this Offer individuals agree to release defend indemnify and hold harmless the Offer Entities including the National Basketball Association its member professional basketball teams including the Hawks and each of their respective parent corporations subsidiaries advertising and promotion agencies affiliates directors officers employees representatives and agents from and against any and all liability claims or actions of any kind whatsoever however named or described for injuries death damages or losses to persons and property which may be sustained in connection with i participants participation in the Offer and ii the receipt use or misuse of the tickets or while preparing for participating in and/or traveling to any ticket-related activity. The Offer Entities expressly disclaim any responsibility or liability for injury or loss to any person or property relating to the delivery and/or subsequent use or misuse of the tickets. In consideration of the tickets each individual hereby agrees and consents without further authorization compensation or remuneration of any kind to the use of such individuals name photograph likeness including his/her voice biographical information and statements concerning the Offer in any and all advertising promotions and other publicity conducted by the Offer Entities and/or the National Basketball Association its member professional basketball teams including the Hawks and each of their respective parents subsidiaries and affiliates. 7. Construction/Disputes All issues and questions concerning the construction validity interpretation and enforceability of these Terms and Conditions or the rights and obligations of any individual or the Offer Entities shall be governed by and construed in accordance with the laws of the State of Georgia without giving effect to any choice of law or conflict of law rules or provisions whether of Georgia or any other jurisdiction that would cause the application of the laws of any jurisdiction other than Georgia. The parties agree that all disputes arising out of or connected with these Terms and Conditions or the Offer will be resolved individually and without resort to class action. 8. DISCLAIMER OF WARRANTIES/LIMITATION OF LIABILITY TO THE FULLEST EXTENT PERMISSIBLE PURSUANT TO APPLICABLE LAW INDIVIDUALS WHO PARTICIPATE IN THE OFFER AGREE THAT ANY TICKETS RECEIVED ARE PROVIDED AS-IS WITHOUT ANY WARRANTY REPRESENTATION OR GUARANTEE EXPRESS OR IMPLIED IN FACT OR IN LAW WHETHER NOW KNOWN OR HEREINAFTER ENACTED RELATIVE TO THE USE OR ENJOYMENT OF THE TICKETS INCLUDING WITHOUT LIMITATION ITS QUALITY MERCHANTABILITY OR FITNESS FOR A PARTICULAR PURPOSE. SOME JURISDICTIONS LIMIT OR DO NOT ALLOW THE DISCLAIMER OF IMPLIED OR OTHER WARRANTIES SO THE ABOVE DISCLAIMER MAY NOT APPLY TO THE EXTENT SUCH JURISDICTIONS LAW IS APPLICABLE TO THESE TERMS AND CONDITIONS. TO THE FULLEST EXTENT PERMISSIBLE UNDER APPLICABLE LAW NONE OF THE OFFER ENTITIES ARE RESPONSIBLE OR LIABLE FOR ANY DIRECT INDIRECT INCIDENTAL CONSEQUENTIAL SPECIAL ECONOMIC EXEMPLARY PUNITIVE OR OTHER DAMAGES UNDER ANY CONTRACT NEGLIGENCE STRICT LIABILITY OR OTHER THEORY ARISING OUT OF OR RELATING IN ANY WAY DIRECTLY OR INDIRECTLY TO REDEMPTION OF THE OFFER EVEN IF FORESEEABLE OR EVEN IF THE OFFER ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES.9. Miscellaneous No waiver of any of the provisions of these Terms and Conditions shall be deemed or shall constitute a waiver of any other provisions hereof nor shall waiver constitute a continuing waiver unless otherwise expressly provided. If any provision of these Terms and Conditions is found to be invalid or unenforceable by a court of competent jurisdiction such provision shall be severed from the remainder of these Terms and Conditions which will otherwise remain in full force and effect. Asus SDRW-08D2S-U External Slim DVD-ROM Drive- Black - SDRW-08D2S-U $34.79 ar / shipped @ buy Asus SDRW-08D2S-U External Slim DVD-ROM Drive- Black$10 Visa Card by Mail in Rebate Purchase this ASUS Product from Buy and receive a $10 Visa Card by Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/1/2011 to 1/31/2011Features Video Features Elegant appearance embodies the harmonious marriage of technology and aesthetics. Video Features Disc Encryption doubles the security with password-controlled and hidden-file functionality Video Features Drag-and-burn interface accomplishes entire jobs in three easy steps. Video Features Burn disc with enhanced data protection in just 3 quick steps and intuitive Disc Encryption lets you do this easily. Tech Specs Tech Specs Interface USB2.0 Tech Specs Data Buffer 1 MB Tech Specs Mounting Orientation Vertical and Horizontal +5 ~ -5 Tech Specs Dimension 142x157x21 mm W x L x H Tech Specs Weight 313 g 353g with stand Tech Specs Power Requirements USB Power +5V 5% Tech Specs Read Speeds Tech Specs DVD+R 8 X Tech Specs DVD-R 8 X Tech Specs DVD+RW 8 X Tech Specs DVD-RW 8 X Tech Specs DVD-ROM 8 X Tech Specs DVD+R DL 8 X Tech Specs DVD-R DL 8 X Tech Specs DVD-ROM DL 8 X Tech Specs DVD-RAM 5 X Tech Specs CD-R 24 X Tech Specs CD-RW 24 X Tech Specs CD-ROM 24 X Tech Specs DVD video playback 4 X Tech Specs VCD playback 10 X Tech Specs Audio CD Playback 10 X Tech Specs Write Speeds Tech Specs DVD+R 8X Tech Specs DVD-R 8X Tech Specs DVD+RW 8X Tech Specs DVD-RW 6X Tech Specs DVD+R DL 6X Tech Specs DVD-R DL 6X Tech Specs DVD-RAM 5X Tech Specs CD-R 24X Tech Specs CD-RW 16X Tech Specs Writing Mode Tech Specs DVD+R DVD+R DL Sequential Write Tech Specs DVD-R DVD-R DL DAO/Incremental Recording Tech Specs DVD+RW Random Write Tech Specs DVD-RW DAO/Restricted Overwrite/Incremental Recording Tech Specs DVD-RAM Random Write Tech Specs CD-R/RW DAO/TAO/SAO/Packet Write Sony Style Outlet coupon 20% off refurbished Sony VAIO Laptops Sony Style takes 20% off factory-refurbished Sony VAIO Notebooks via coupon code "OUTLETVAIO20". Plus all notebooks qualify for free shipping. That's tied with our mention from three weeks ago as the best coupon we've seen from Sony Style Outlet since April when the merchant took 30% off since expired . Sales tax is added where applicable. Note that all items receive a 90-day Sony warranty. Deal ends January 27. Link Nunchuk Remote Game Controller Bundle for Nintendo Wii White bulk packaged By Wu - $16.64 FSSS Amazon Merchant From Amazon Merchant BY WU not Nintendo Brand thanks mrpolloc LINK Nunchuk Remote Game Controller Bundle for Nintendo Wii White bulk packaged BY WU$16.64 eligible for free shipping with Amazon PrimeGood review ranking according to Amazon ReviewsLowest price according to CamelCamelCamel 35% Off All Laptops Desktops at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 63 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 35% off any Desktop or Laptop use coupon 35Laptops Desktops Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Samsung UN55C7000 55-inch 3D-Ready LED HDTV 3D Blu-Ray Player 3D Starter Kit Wireless USB Adapter for $1799.99 @ Buy There can be only one thinnest clearest most elegant television. Easily it's Samsung's LED 7000. Breathtakingly thin it's designed as one seamless piece of flawless crystal. On its LED screen vivid details are captured in every frame. Picture edge-blur removed and full robust color restored to each pixel. Watch television programs web content or your own knowing you're also being kind to the environment. Click Here and add to cart for $1799.99 + Free shipping Offered by Third Party Merchant Final price will be shown at checkout. Fantom Drives GreenDrive 2TB eSATA/USB 2.0 32MB Cache External Hard Drive $84.99 ar / shipped @ buy Fantom Drives GreenDrive 2TB eSATA/USB 2.0 32MB Cache External Hard Drive - GD2000EU32$15 Mail in Rebate Purchase this Fantom Hard Drive and Receive a $15 Mail in Rebate Limit ONE rebate per offer per person household family or address. Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/24/2011 to 1/30/2011 Refurbished Jawbone Icon Hero Bluetooth Headset $49.95 compare at $66.99 @ Cell X Pro Take a further 10% off by following the merchant on Twitter here.Features a Voice Activity Sensor which optimizes your voice while minimalizing background noise. This Deal Has Expired 50% Off Any 745 Desktop at Dell Refurbished Systems + 2% Cash Back 0 Posted By FatWallette Views 106 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 50% off any 745 Desktop use coupon 50Optiplex745 Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Jawbone Icon Hero Bluetooth Headset $49.95 compare at $66.99 @ Cell X Pro Take a further 10% off by following the merchant on Twitter here.Features a Voice Activity Sensor which optimizes your voice while minimalizing background noise. This Deal Has Expired Belkin AC Anywhere 300W Power Inverter - F5C400-300W $20.99 ar / shipped @ buy Belkin AC Anywhere 300W Power Inverter - F5C400-300W$15 Mail in Rebate Purchase this Belkin product from Buy receive a $15 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/19/2011 to 1/25/2011 SUBJEKT BlockParty DJ Headphones MK-AG8100G for $29.99 @ Buy Elevate your audio from the curb to the club with the Block Party DJ headphones. Enhanced bass and midrange means these cans are calibrated for precision audio whether you are a vet on the decks or just making your DJ debut. And you don't have to bank superstar dollars to own a pair. Click Here and add to cart for $29.99 + Free shipping Offered by Third party merchant Rock Band 2 for the Wii game only $9.99 +$2.28 at goHastings - Intermitent stock Update Has been showing in and out of stock over the last few hours OOS as of this posting .I was looking for Rock Band 2 for the Wii on Google Checkout and it was showing at $19.99 on goHastings . I went in out of curiosity and the game actually is on sale for $9.99 shipping for me is $2.28 . If you do a search for the game on their website it does not show up but following the link from Google Checkout works. I was able to place my order a few minutes ago.Note this is the game only no instruments included.Direct Link to ProductGoogle Checkout Product Entry might have to expand to show all merchants If you want to use your fatwallet 3% credit follow the link first and add the item to your cart. Then go through the fatwallet link and complete the checkout process.Best Regards. CITIBANK 'Foreign Purchase Transaction Fee' Has this happened to anyone else on any credit card I made a small purchase from DealExtreme but not directly. I used PayPal as an intermediary and then they charged my credit card I have on file with them.CITIBANK/MASTERCARD charged a separate #8216 Foreign Purchase Transaction Fee #8217 to my card.I called and wanted them to explain what the charge was for given there was no foreign transaction. They claimed there was a foreign currency adjustment because I had made a purchase outside the United States in a country with a different currency and they pointed to the HK code within the separate PayPal merchandise charge.I explained that I utilized PayPal because I did not wish to expose my credit card number to the Hong Kong merchant. PayPal did the transaction with the Hong Kong merchant and then charged my credit card.THE ONLY CHARGE/TRANSACTION TO MY CITIBANK CARD WAS WITH PAYPAL U.S. IN U.S. DOLLARS.So I asked them where was the foreign currency transaction They said that I made a purchase in Hong Kong. I explained that PayPal did that transaction that the only financial transaction I did was with PayPal in the United States in U.S. dollars. They just kept saying I made a purchase in Hong Kong.I told them I wanted to dispute the charge but they claimed I couldn #8217 t that only a merchandise charge could be disputed.I wanted to get some feedback before I escalate this. 25% Off Desktops 40% Off D620 D630 Laptops 30% Off $249+ Order 2% Cash Back at Dell Refurb Computers 0 Posted By FatWallette Views 228 Replies 1 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 25% off any Desktop use coupon 25 AllDesktops#3 40% off any D620 or D630 Laptop use coupon 40D620 D630Lap 30% off any Item $249 or more use coupon $249 upSale30 Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Handcrafted Keepsake Sterling Circle Charm/ Pendant $22 Free Shipping MOMMYJEWELRY.COM- Our mission is to provide beautiful quality jewelry while offering exceptional customer service.Keepsake Sterling Pendants -Little Love Charm Circles $22 each Free Shipping with code FREESHIP link These adorable little sterling charms are perfect for one name on the front and a special date on the back. They look great worn as a single charm wear many stacked on a sterling chain. Choose a special word or affirmation to wear close to your heart. A very special little keepsake hand stamped just for you. Each item is handmade and will normally ship within 7 business days but can take up to 2 weeks during holidays. Additional Information #9702 Great worn alone or stacked. #9702 Up to 18 characters on front #9702 Date on back. Stamped as 9.5.10 #9702 Size 1/2 inch smaller than a dimePerfect gift for a new mother wedding gift a special anniversary or special Valentine's Day present. Corsair XMS3 4GB 2 X 2GB DDR3 SDRAM 1333MHz 240-Pin Memory Kit $29.95 ar/ shipped @ buy Corsair XMS3 4GB 2 X 2GB DDR3 SDRAM 1333MHz 240-Pin Memory Kit - TW3X4G1333C9ATechnical Details * Corsair Memory is optimized for the Microsoft Windows Vista client operating system * Latency of 9-9-9-24 for maximum reliability and performance * Each memory module is individually tested to give you Peace of Mind that it Will Not Fail Guaranteed * Industry Leading Lifetime Warranty * 2 X 2GB PC3-10666 1333MHz 240-pin DDR2 Timing 9-9-9-24 1.5v$25 Mail in Rebate Mail in Rebate CANNOT be combined with any other offer per Corsair Purchase this Corsair product from Buy receive a $25 Mail in Rebate Limit one rebate card per household. Mail in Rebate is NOT stackable and CANNOT be combined with any other offers Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/17/2011 to 1/23/2011 25% Off Any Desktop $199+ at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 271 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 25% off any Desktop priced $199 and up use coupon Desk199 up25 20% off any D630 Laptop use coupon D630any# 20 Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Q electronics Noise-isolating Ear Buds 02605 for $5.99 @ Buy Listen to clear unimpeded sound through these Q Electronics Noise-Isolating Ear Buds. With three 3 sizes of ear bud tips included to provide the most comfortable fit bringing out the bass and really clearing up the higher ranges. Click Here and add to cart for $5.99 + Free Shipping Offered by Third Party Merchant Kenneth Cole Reaction Fashion Sunglasses for $15.99 @ Newegg This pair of Kenneth Cole Reaction sunglasses is an elegant design that is perfect for eye protection against harmful sun rays. KENNETH COLE REACTION KCR2275-01B-60-16 FEATURES Size Eye 60/Bridge 16/Arm 125 Frame Shiny black plastic Lenses Gray gradient scratch/impact resistant Manufactured China Other Logo on arms Dimensions 7 inches from temple to temple Click Here and add to cart for $15.99 + Free Shipping Offered by Third party merchant Sceptre 32" - 720p LCD HD television $199 A/R 150.00 Merchant Credit - Menards YMMV Saw in local Newspaper flyer lt chicago area gt that Menards is having a 3 day sale - starting tomorrow for Brand - Sceptre Res - 720p Sceptre Technology - LCD Price $349. Rebate $150 Rebate Menards Merchant Credit Total A/R $199 + local sales taxThere isn't much details in flyers like this - but I'm assuming it's this model Link Amazon ~ kids' shoes ~ Save 25% when you order two pair Just in time for baseball season.To receive the 25% promotional discount 1. Add all products described in the promotional offer message to your Shopping Cart via the Add to Cart button on the product information page. To qualify for this automatic discount purchase any two pairs of qualifying kids' styles. Product detail pages indicate qualifying styles. 2. If you remove any of the participating promotion items from your Shopping Cart or violate any of the terms and conditions listed below the promotion will be invalid and the discount will be removed from the order. 3. If you return any of the items involved in the promotion the discount previously applied to the order will be subtracted from the return credit. Terms and Conditions * Promotional offer valid for a limited time only. Items placed in Shopping Cart overnight may not be eligible for promotion at time of checkout. * Promotion applies only to qualifying items displaying the offer message on their product information pages. Items that do not display the offer message do not qualify regardless of the nature of the item. * Applies only to products sold by the merchant indicated in the promotional offer message. Does not apply to items sold by other merchants on the Amazon Web site. For example where the promotional offer applies to items offered by Amazon items offered by other merchants on the Amazon Web site e.g. Land's End Target etc. do not qualify. * Does not apply to any products purchased in Amazon 's other sites including Amazon.co.uk Amazon.de Amazon.fr or Amazon.co.jp or in Marketplace zShops or Auctions. * Unless the offer message indicates otherwise the promotional offer applies to the lowest priced qualifying item s * Applies only when all qualifying and benefit products in the promotion are purchased in one order. * Applies only to complete orders shipping to a single address that meet all other promotional requirements. * Offer good while supplies last. * No substitutions or rain checks. * Offer must be redeemed through the Shopping Cart. Does not apply to orders placed with 1-Click. * Shipping and handling charges apply to all products including bonus items. * Offer may not be combined with other offers including promotional certificates. * Void where prohibited. Targeted Scangauge II $129.95 AC at Amazon Just got this in the email from Amazon. Save $30 with coupon code SCANGAUG on http // amazon /dp/B000AAMY86/ref=pe_104770_18294800_pe_ep..."To receive your coupon code discount simply add the item to your Shopping Cart and then enter coupon code SCANGAUG when prompted during checkout. Please note this code can only be used once per customer and only applies to products sold by Amazon . It does not apply to items sold by other merchants on the Amazon website." How to get rid of Amex gift cards without Mint purchases I wanted to reach out to see if anyone knew of cheap ways to dispose of a large amount of money in gift cards without "using them to pay bills" or "US Mint purchases".I am planning on buying from giftcards or a supermarket with BC CashBack/ Envaulted/Offermatic. In all these methods it negates the activation fee and actually gives you about 3% profit not including CC benefit .My problem is I don't know how to arbitrage 10 000 in GC's without paying a hefty fee. I am considering using a paypal merchant account but the fee there is high but also that paypal can freeze everything and make life hell as they have for me before .I have used Venmo for this too which is clearly the best I can invite you to that as it's still in Beta however I did some money through that and it got frozen. Another disposal method is xipwire I will let you know how that goes. Any ideas How are you disposing these Freash Water Pearl Set $45 Shipped - AA+ rated 7-8MM Citydeals is offering a coupon to purchase a fresh water pearls set Necklace/Bracelet/Earrings for $45 from prizedpearls with free shipping.Link To City DealsPearl Type AA+ Fresh Water Pearl Necklace Length 16 inches Bracelet Length 4inches Pearl Size 7-8 mm Body Color White/Black/Lavender/PeachDon't forget to use coupon code "PEARLS" at checkout for free shipping.Great gift idea with v-day coming up. Kingston 128GB SSDNow V Series SATA II 2.5" Solid State Drive $144.95 ar / shipped @ buy Kingston 128GB SSDNow V Series SATA II 2.5" Solid State Drive - SNV425-S2/128GB$50 Mail in Rebate Purchase this Kingston product from Buy receive a $50 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 1/10/2011 to 1/16/2011 Price Errors / Mistakes - Merchant Liability and Consumer Rights So a little background... I recently benefited from what is now apparently being called a pricing error on some electronics. The item was sold through a major U.S. retailer both in brick and mortar store online and by phone. It was clearly marked as a sale price and near clearance banners. Certainly seemed like a bargain to me so I bought 6 of the item slightly different variations as nearly the entire department was marked with sale prices . I received 6 order confirmations and my credit card was authorized for all 6 items.Fast forward. 4 of the items were delivered and I didn't think much of it. 2 of them were later cancelled with "price error" cited as the reason with disclaimer on their website that they reserve the right to correct pricing errors ok fair enough . I have no idea if this is simply because they ran out and don't want to fulfill the orders on two of the items.Looking at their website today the prices for the same items are substantially higher several hundred dollars higher so this could have been a legitimate price error however at the current prices I would not have bought the items as I could have bought it elsewhere for less.Here are the questions 1. Can a company ask for items that were delivered back if a price error is discovered 2. Can they charge you more money than you authorized when you made the purchase they have all my credit card info 3. They have very limited terms and conditions which do not address completed orders other than normal returns/restocking policies. I also did not read the terms and conditions prior to sale/checkout and never saw them as it is not part of the checkout process. I later dug through their website to find them once they cancelled the other 2 orders not yet received. I've since read some interesting things online and as I have friends that run online businesses I learned a lot that I think they and others should know. What stood out to me was that the merchant in this case did not state specifically that the order confirmations they sent me electronically via email was NOT acceptance of the contract. They also charged my credit card so technically it would appear that all contracts are valid both on the shipped orders and the cancelled ones. I don't really care to make a stink over the ones they cancelled but from what I read it appears one could It seems like this would happen frequently though because I'm sure pricing errors happen all the time where order confirmations are sent via email almost instantaneously. What should a merchant do to protect themselves from this happening to them Or if you ship the item and its delivered are you just plain SOL What if the merchant caught the error after the item had shipped but before it was delivered could it be recalled or is that illegal against the merchant 4. Then I read about Unilateral Mistake law and wonder how that would play into this.Let's say you've found the deal of a century and you ordered 20 big screen tv's or computers at an incredible sale price - say 50% off MSRP. And the company ships all 20 and you receive them all. Can the company claim that the orders contracts are null and void due to a price error citing Unilateral Mistake Seems crazy but it appears to be an avenue that a merchant can take. And if this is true then it is also true that merchants need not have iron clad terms and conditions because why wouldn't they always just cite Unilateral Mistake aside the aggravation of having to sue the consumer and the associated bad publicity I was going to post this in the Hot Deals section of the site but thought the Finance forum might yield smarter answers as there are many merchants here. I found several examples of where Amazon emailed and called customers after merchandise was delivered demanding more money or to return the products in unopened packaging. This got me digging deeper and it seems it can go either way so I wanted to hear some thoughts by others on these type of scenarios. Price Errors / Mistakes - Merchant Liability and Consumer Performance So a little background... I recently benefited from what is now apparently being called a pricing error on some electronics. The item was sold through a major U.S. retailer both in brick and mortar store online and by phone. It was clearly marked as a sale price and near clearance banners. Certainly seemed like a bargain to me so I bought 6 of the item slightly different variations as nearly the entire department was marked with sale prices . I received 6 order confirmations and my credit card was authorized for all 6 items.Fast forward. 4 of the items were delivered and I didn't think much of it. 2 of them were later cancelled with "price error" cited as the reason with disclaimer on their website that they reserve the right to correct pricing errors ok fair enough . I have no idea if this is simply because they ran out and don't want to fulfill the orders on two of the items.Looking at their website today the prices for the same items are substantially higher several hundred dollars higher so this could have been a legitimate price error however at the current prices I would not have bought the items as I could have bought it elsewhere for less.Here are the questions 1. Can a company ask for items that were delivered back if a price error is discovered 2. Can they charge you more money than you authorized when you made the purchase they have all my credit card info 3. They have very limited terms and conditions which do not address completed orders other than normal returns/restocking policies. I also did not read the terms and conditions prior to sale/checkout and never saw them as it is not part of the checkout process. I later dug through their website to find them once they cancelled the other 2 orders not yet received. I've since read some interesting things online and as I have friends that run online businesses I learned a lot that I think they and others should know. What stood out to me was that the merchant in this case did not state specifically that the order confirmations they sent me electronically via email was NOT acceptance of the contract. They also charged my credit card so technically it would appear that all contracts are valid both on the shipped orders and the cancelled ones. I don't really care to make a stink over the ones they cancelled but from what I read it appears one could It seems like this would happen frequently though because I'm sure pricing errors happen all the time where order confirmations are sent via email almost instantaneously. What should a merchant do to protect themselves from this happening to them Or if you ship the item and its delivered are you just plain SOL What if the merchant caught the error after the item had shipped but before it was delivered could it be recalled or is that illegal against the merchant 4. Then I read about Unilateral Mistake law and wonder how that would play into this.Let's say you've found the deal of a century and you ordered 20 big screen tv's or computers at an incredible sale price - say 50% off MSRP. And the company ships all 20 and you receive them all. Can the company claim that the orders contracts are null and void due to a price error citing Unilateral Mistake Seems crazy but it appears to be an avenue that a merchant can take. And if this is true then it is also true that merchants need not have iron clad terms and conditions because why wouldn't they always just cite Unilateral Mistake aside the aggravation of having to sue the consumer and the associated bad publicity I was going to post this in the Hot Deals section of the site but thought the Finance forum might yield smarter answers as there are many merchants here. I found several examples of where Amazon emailed and called customers after merchandise was delivered demanding more money or to return the products in unopened packaging. This got me digging deeper and it seems it can go either way so I wanted to hear some thoughts by others on these type of scenarios. Xtreme 4GB USB Spy Pen Digital Pocket Video Recorder Ballpoint Pen AV-PEN-4GB MP9 for $19.99 @ Buy This Xtreme AV-PEN-4GB MP9 Camera Pen is a mini DVR Digital Video Recorder which combines a camera and recorder in the shape of a pen that actually writes Perfect for recording live perfomances or lectures covert surveillance and much more. It features 4 GB capacity built-in microphone easy to use one touch record button and a USB interface Click Here and add to cart for $19.99 + Free Shipping Offered by Third Party merchant Subjekt X HD-AK1000WT DJ Stereo Headphone for $16.99 @ Buy Be seen as well as heard. Subjekt X DJ Headphones might come in primary colors but they are anything but toys. Designed with both sound and comfort in mind the supersized ear cushions made of hi-tech memory foam envelope you ears in waves of bass response while cuddling your cartilage and never leaving your earlobes irritated. Click Here and add to cart for $16.99 + Free Shipping Offered by Third Party Merchant Next Best Price on Google Product is $40.58 $33.50 50% off How To Own Your Paycheck Again by Leo Quinn with Code Using coupon code "2011" you can purchase Leo Quinn's "How To Own Your Own Paycheck Again - The Debt Cruncher" program along with some informational ebooks for $33.50.Testimonials can't attest to their validity -P To purchase Program and ebooksThe email I received noted the offer expired with 2010 but I just re-tried the code and still worked. This is pretty good for those who need to start and just don't know where.Feel free to ignore the pop ups asking you to reconsider if you click out of the "Testimonials" page. Ectaco XL-1500 Partner Multilingual Talking Dictionary / Electronic Language Translator for $119.99 @ Buy Unlimited TTS voice function in English Arabic Chinese Mandarin Dutch French German Greek Hebrew Italian Japanese Korean Polish Portuguese Russian Spanish in the dictionary Reverse translation Multiple input methods for typing in Chinese Japanese Korean and Russian entries Look-up function Award-winning Vector Ultima spell-checking system Click Here and add to cart for $119.99 + Free Shipping Offered by Third Party Merchant Credit Card Updater v. Virtual Credit Cards "IPS Credit Card Updater" is a service for merchants that automatically updates their information on your credit cards. For example if a merchant has your credit card on file and the card expires and a replacement is issued the merchant will automatically know the new expiration date. So the next time you order something they will not need to ask you the new expiration date of your card.The same thing happens if your old card is compromised and a replacement card with a new number is issued.Ref PaymentData That is all well and good but I wonder if Credit Card Updater also works with virtual account numbers. If a person creates a VAN with an expiration a couple of months out to purchase something from a sketchy merchant can the merchant continue to bill that VAN past its expiration Droid Offers from Dell Home $25 Gift Card Free Activation Shipping + Get Up to 4.0% Cash Back 1 Posted By FatWallette Views 161 Replies 0 $25 Gift Card w/ Verizon Wireless DROID X BY MOTOROLA + Free Activation Shipping Free DROID Incredible by HTC for New or Upgrading Customers + $25 Gift Card Free Activation Shipping $25 Gift Card w/ DROID 2 Global by Motorola - $39.99 + Free Shipping Activation More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 Vostro 230 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Vostro 3400 Vostro 1015 V13 Optiplex Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on Alienware Precision$16.67 on Mobility Store purchases approved/shipped orders for a mobile device w/ qualifying 2-year activation .Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Noob Question on Credit Card charges Need some advice on how credit card companies handle particularly Chase this kind of situation. Please be NICE I made a payment online for 114.27. Being the impatient guy that i am I clicked the submit button twice. Apparently this caused my credit card to be charged twice. My credit card cutoff was yesterday the same day I paid my bill.STANFORD CLINICS OUT650-725-9683 CA 12/28/2010 Expand row 29 12/29/2010 Wed STANFORD CLINICS OUT650-725-9683 CA 0 ***** 114.27 STANFORD CLINICS OUT650-725-9683 CA 12/28/2010 Expand row 30 12/29/2010 Wed STANFORD CLINICS OUT650-725-9683 CA 0 *****114.27 My question is would i have to pay the extra 114.27 on my current billing statement if I would eventually be issued a refund by the merchant Is it safe to say that if the merchant issued a refund that it would be considered a "payment" towards the current billing statement Thanks in advance for your sharing your wisdom. Sennheiser HD595 Dynamic High Grade Performance Premiere Headphones $114.99 FS @ Amazon LINKTechnical Details Open-Aire circumaural dynamic stereo headphones Highest grade components for outstanding acoustic performance. Highly optimized field-strengthened neodymium magnet systems. Longevity through exchageable components Lightweight aluminum voice coils for high efficiency and excellent dynamics 50ohm Whole Baklava Box for $12 Free shipping in some cities This is a great deal. Usually those go for 20 bucks on their website. They're hand-made specially for every order. They're also offering free shipping in the Portland Gresham Hillsboro and Tigard area in Oregon. Here's the link http // groupon /merchants/baklava-pdx/deals/15-for-a-full-box-of-special-hand-made-baklava-of-your-choice-at-baklava-pdx-20-value AMEX 5% cashback on gas purchases at Phillips 66 Conoco 76 until 3/6/11 YMMV Sign up hereAccording to the promotional terms this is by invitation but I was able to sign up without problem. Merchant Offer Terms The following Merchant Offer Terms are specific to the Merchant Offer above To be eligible you must have received this invitation to register for the offer and register a proprietary American Express Card at AmericanExpress /copcashback by March 6 2011. You may register more than one Card for this offer but only those Cards you register individually for the offer will be eligible to earn statement credits. Using your registered Card you must make purchase s at participating Phillips 66 Conoco 76 stations by March 6 2011. The offer is only valid when purchasing fuel at the gas pump and is not valid for any purchases in store. Prepaid American Express OPEN and corporate cards as well as ExpressPay transactions are not eligible. If your Card is replaced during the promotional period please call the customer service number on the back of your Card for assistance. Statement credits are generally issued within 5 business days after each qualifying purchase but may take up to 2 billing cycles to post to your account. Additional terms apply. Phillips 66 Conoco 76 and their respective logos are trademarks of ConocoPhillips Company or one of its subsidiaries. Other products and logos mentioned herein may be trademarks of their respective owners. See Registration Terms and Conditions for details. Citi Dividend Card 5% cashback on health care drugstore fitness 1/1/11 - 3/31/11 Citibank Dividend card has the following 5% CashBack promotion from 1/1/11 to 3/31/11. Look for a small advertisement at the bottom of the main page when you log into your online account.Not very interesting categories. Get the most out of your Citi Dividend Card. Earn 5% Cash Back when you use your Citi Dividend Card on health care Drugstore and fitness purchases from January 1 2011 through March 31 2011 when you accept this offer.* Within 2 business days of when you accept this offer or January 1 2011 whichever is later you will earn an additional 4% Cash Back on eligible health care Drugstore and fitness purchases between January 1 2011 and March 31 2011. Health care drugstores and fitness are defined as follows Health care is defined as merchants that provide examination diagnosis and treatment of health-related conditions and includes services by licensed physicians or dentists facilities that aid in diagnosis or treatment and devices or corrective equipment for such treatment. Drugstores are stand-alone merchants that primarily sell prescription and proprietary drugs and non-prescription medicines. Fitness is defined as merchants that operate sports and recreation facilities requiring membership. We do not determine whether merchants correctly identify and bill transactions as being made in health care drugstores or fitness. However we do reserve the right to determine which purchases qualify for the additional 4% Cash Back. Eligible purchases exclude items returned for credit and interest charges. In order to qualify for this offer the account must be open and current at all times. If your account is closed for any reason including if you convert to another product you may no longer be eligible. You may accumulate a maximum of $300 in Cash Back during any calendar year. credit card was compromised Today while I was working I got a phone call from Discover card. It was an automated call saying that my account might have been compromised. After pushing some buttons on my phone I was able to take to a live person. She told me that a merchant named xxx Asia had charged $300 something on my card today. I told her that I did not recall this transaction. So she said she had to cancel my card right away and investigate this incident. This is the first time that my credit card information got stolen. I wonder if my computer got hacked into or the site that I last used my credit card got hacked. The last time that I used my card was yesterday when I ordered a pokemon DS game from Bestbuy Would there be anyway that their site got hacked Or do you think it was my email or my laptop I am so worry that my other credit cards might be compromised as well. I checked all of my other ones and they were okay. I am wondering if this is going to affect my credit in the future Invicta Women's 9177 Pro Diver Collection Silver-Tone Watch $64.99 FSSS @ Amazon LINKProduct Specifications Watch Information Brand Name Invicta Model number INVICTA-9177 Part Number 9177 Item Shape round Dial window material type Mineral Display Type analog Clasp fold-over-clasp-with-safety Case material stainless-steel Case diameter 27 millimeters Case Thickness 10 millimeters Band material stainless-steel Band length womens Band width 12 millimeters Band Color silver Dial color blue Bezel material blue-ion-plated-stainless-steel Bezel Function unidirectional Calendar Date item-weight 2 Pounds Movement japanese-quartz Water resistant depth 660 Feet Warranty Type Contact seller of record Amazon Running 30% off Deal on Rayovac Batteries Amazon is Running 30% off Deal on Batteries. This only applied to Rayovac batteries that Amazon is stocking NOT one of their many merchants . Here is the deal Amazon Special Offer Save up to 30% on select Rayovac batteries sold by Amazon . Save 15% when you enter code RAYOVAC2 at checkout. Plus save an additional 15% when you combine the instant rebate with your Subscribe Save order bringing your total savings to 30%. Offer valid through December 29 2010. Don't let subscribe and save scare you. Amazon will send you a notice before shipping more batteries and you can cancel the program anytime. Credit card surcharges in Australia Recently visited Australia and various merchants there tacked on fees from 1.5%-10% yes you read that right 10% for the use of a credit card. It is perfectly legal there. Totally changes the calculus on my rewards cards and forces me to carry around a ton of cash annoying . Luckily Bank of America has fee free withdrawals from Westpac ATMs but if not it would be tough to get money from a place that wasn't charging me a few percentage points either to 1 use my credit card 2 get cash in local currency from an ATM or 3 exchange currency. Ugh.NY Times article from last year 2009 talking about the change in Australian fees versus the proposed US changes NY Times link Spend $50+ in Textbooks at Amazon get $5 MP3 credit AND $5 Video on Demand Credit Amazon $5 VOD+$5 MP3 credit with $50 Textbooks Purchase More like a FYI for those who need textbook for next semester.Spend $50 in Textbooks Get $5 in MP3 and $5 in Video on Demand Spend $50 in Textbooks Get $5 in MP3 and $5 in Video on Demand Here's how to qualify for this offer Purchase $50 or more in eligible textbooks shipped and sold by Amazon to your Shopping Cartby 11 59 p.m. PST on January 17 2011. Eligible textbooks are those that display the offer message on their product information pages. Complete your purchase or complete your purchase through 1-Click ordering. After shipment of your purchase you will receive two separate e-mails indicating that a $5 credit for Amazon MP3 music downloads and a $5 credit for Amazon Video On Demand have been automatically applied to your account. The e-mails will provide instructions for redeeming your credit. If you have not received your e-mail within 72 hours of your qualifying purchase please contact us. Use of the Amazon MP3 service is subject to the Amazon MP3 Terms of Use. Use of the Amazon Video On Demand service is subject to AVOD Terms of Use. Promotional offer limited to one promotional credit per customer. Promotional offer is valid from December 27 2010 through January 17 2011 and subject to change. You must redeem the credits by February 17 2011. Start shopping for textbooksTerms and Conditions This offer applies only to Amazon purchases of $50 or more of qualifying textbooks between 12 00 a.m. PST on December 27 2010 through 11 59 p.m. PST on January 17 2011. The Amazon Video on Demand and MP3 Amazon credit is valid only for purchase of qualifying titles sold on Amazon Video on Demand and qualifying MP3s and expires on 11 59 p.m. PST February 17 2011. Any value of your promotional credit not used by the expiration date will be lost. Promotional offer limited to one promotional code per customer. Certain Amazon MP3 and Amazon Video On Demand titles may be excluded from this promotion. Those titles will state that they are not eligible for promotions on the product information pages on the Amazon website. Additional taxes may apply in some states. Only residents of the fifty 50 United States and the District of Columbia with a United States billing address are eligible for this offer. This offer is non-transferable non-exchangeable not redeemable for cash and not combinable with any other discounts specials promotions or offers. Offer cannot be used in conjunction with purchases or rentals of any products sold by or under the brands of any third party areas e.g. Amazon Marketplace Auctions zShops etc. on the Amazon website. Offer cannot be redeemed at any other website e.g. Amazon .uk Amazon.de Amazon.fr Amazon.co.jp Amazon.ca etc. regardless of whether operated by Amazon Inc. an affiliate of Amazon Inc. a merchant working with Amazon Inc. or any other third party and regardless of whether linked to from the Amazon website. Customer will be required to click-accept and to be bound by the Terms of Use governing the Amazon Video on Demand service and Amazon MP3. We reserve the right in our sole discretion to terminate or modify this offer. Promotional offer void where prohibited by applicable law or regulation. Samsung PN50C450 50-inch Widescreen 720p Plasma HDTV for $627.00 @ Buy May not be a GREAT DEAL - but a nice one...The new PN50C450 PDP flat panel HDTV by Samsung offers great value and features smartly wrapped in an attractive and accented "piano key black" cabinet. Add 600Hz subfield motion technology 3 advanced HDMI inputs that feature our Anynet+ CEC standard technology making system control of your DVD or Blu-ray Disc player a one-touch operation.Click Here and add to cart for $647.00 - $20 Instant off Ends 12/31 = $627.00 + Free Shipping Offered by Third Party Merchant Final price will be shown at checkout.Next best price on Google products is $659.99 Samsung HW-C450 Speaker System HW-C450/XAA for $199.00 @ Buy Amplify your listening pleasure with the slim compact HT-450 Sound Bar. Difficult room configurations are not a problem the HT-450 can be mounted on the wall with the wireless sub-woofer placed anywhere in the room to achieve maximum audio impact.Click Here and add to cart for $199.00 + Free Shipping Offered by Third Party Merchant Final price will be shown at checkout. Samsung UN40C6300 40-inch Widescreen 1080p LED HDTV 120Hz UN40C6300SF for $764.99 @ Buy The Samsung LED 6300 LED picture quality meets Auto Motion Plus 120Hz Clear Motion Rate technology with gorgeous results. The 6300s LED Ultra Clear Panel absorbs ambient light and virtually eliminates reflections for a more comfortable viewing environment. Its beautiful form and function complementing the most stylish of decor.Click Here and add to cart for $764.99 + Free Shipping offered by Third Party Merchant Final price will be shown at checkout. LegoLand Carlsbad CA $9.99 per person admission now through Christmas - Must buy Online Link to TicketsIf you are in the SoCal area it is great for kids under 12 years old..Great for adults who love legosLEGOLAND Holiday One Day TicketONLINE OFFER ONLY - OVER 85% OFF ADMISSION Valid for one day admission to LEGOLAND California. Offer expires 12/25/2010. More Ticket Information GENERAL ADMISSION 1 DAY LegoLand Carlsbad CA $9.99 per person admission now through Christmas Link to TicketsIf you are in the SoCal area it is great for kids under 12 years old..Great for adults who love legosLEGOLAND Holiday One Day TicketONLINE OFFER ONLY - OVER 85% OFF ADMISSION Valid for one day admission to LEGOLAND California. Offer expires 12/25/2010. More Ticket Information GENERAL ADMISSION 1 DAY LG 47LE5500 47-Inch 1080p 120Hz LED LCD HDTV $999.99 free shipping Amazon has LG 47LE5500 47-Inch 1080p 120Hz LED LCD HDTV for $999.99 free shipping.It is offered by third party merchant but will be fulfilled by Amazon.Product Features LED Plus w/ Local Dimming NetCast Entertainment Access Wi-Fi Ready Wireless 1080p Ready TruMotion 120Hz Full HD 1080p Resolution Technical Details Brand Name LG Model 47LE5500 Display Technology LED-lit Display Size 47 inches Image Aspect Ratio 16 9 Response time 2.4msMore specs available at linkJust placed an order estimated delivery Dec. 29 to replace my 50' Samsung LED DLP which gave no red color after 3 years use. $1.50 Off Each MasterCard Gift Card Up to 3.5% Cash Back + Up to 2 Chances to Win $1 000 from GiftCards 0 Posted By FatWallette Views 138 Replies 0 GiftCards sells Visa Gift Cards with Create A Card capabilities for you to create your own customized Visa Gift Card. Choose your Visa Gift Card's personality by selecting a background from our design gallery or build a card from scratch by uploading a personal photo. GiftCards sells merchant gift cards to your favorite retailers and restaurants. We also service large corporate clients for their corporate incentives and rewards programs. The GiftCards Visa Gift Card is issued by First Gulf Bank N.A. pursuant to license from Visa U.S.A. Inc Up to 3.5% Cash Back Available Special Offers from GiftCards $1.50 Off Each MasterCard Gift Card + $1 000 Contest Entry. Double Your Chances by "Liking" GiftCards on Facebook. use coupon MCNEWYEARS GiftCards Coupons Cash Back Up to 3.5% FatWallet Cash Back Available 1.5% Cash Back available on Visa Card purchases.3.5% Cash Back available on all other gift card purchases.3.5% Cash Back available on gift cards sold to GiftCards . Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Canon Rebel T2i 18-55mm 55-250mm lena + Tiffen 58mm UV Filter $753 + Free Shipping Amazon has a special offer of $100 off the Canon Rebel T2i by using coupon code MYBGIXJFLinkazonAlso add the 55-250mm for $204 - $150 coupon code "4EXZTAMU" = $54 for a total of $753. Alternatively the 75-300mm is $149 - $100 coupon code "7FU7NKSI" = $49 for a total of $748.This offer is valid through January 8 2011 or while supplies last. Offer applies only to combined purchases of qualifying products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Purchases must be made within a single order/invoice to qualify. Please note that canceling any qualifying portion of your order will void the applicable discount. Discount limited to one per customer. Amazon reserves the right to modify or end this promotion at any time. See all terms and conditions. 3-Pack of Ear Buds for iPhone 4 / 3Gs / 3G and all iPods for $5.99 @ Buy 3 sets of High-Quality earbuds for iPod iPhone and all other MP3 players with high quality soft silicon ear piece.Click Here and add to cart for $5.99 + Free Shipping Offered by Third-party merchant Fantom Drives G-Force 2TB eSATA USB 2.0 32MB External Hard Drive $99.99 ar / shipped @ buy Fantom Drives G-Force 2TB eSATA USB 2.0 32MB External Hard Drive - GF2000EUC - eSATA Cable Included $20 Mail in Rebate Purchase this Fantom Hard Drive from Buy receive a $20 Mail in Rebate Limit ONE rebate per offer per person household family or address. Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 12/20/2010 to 12/26/2010 Zune 8GB blue with leather case $71.97 w/ ship or $119.98 for two refurbed BlueBlackRedPink $10 off $100 Visa link$20 off $100 using Bill Me laterIf you can use Bill me later get 2 zune 8GB for 119.98 +shippingIf not you can use one or the other for a deal.Also discover is running 5% CashBack on all purchases at TigerDirect so you could get one for 68.49 after shipping and CashBack. or you can sign up for a new Tiger direct preferred account and get $20 off $100 $20 off $100 Tigerdirect PrefferredYou might also get 5 off 30 using googlecheckout but I think you have to choose the ground shipping more expensive shipping option .Zune 8GB blue/Pink/black/redand also Zune 4Gb is 49.98 in RedThey all come with a brown leather case. Zune 8GB blue with leather case $71.97 w/ ship or $119.98 for two Item Link$10 off $100 Visa link$20 off $100 using Bill Me laterIf you can use Bill me later get 2 zune 8GB for 119.98 +shippingIf not you can use one or the other for a deal.Also discover is running 5% CashBack on all purchases at TigerDirect so you could get one for 68.49 after shipping and CashBack. or you can sign up for a new Tiger direct preferred account and get $20 off $100 $20 off $100 Tigerdirect PrefferredYou might also get 5 off 30 using googlecheckout but I think you have to choose the ground shipping more expensive shipping option .Zune 8GB blue/Pinkand also Zune 4Gb is 49.98 in RedThey all come with a brown leather case. Complete Works of William Shakespeare 197 Plays Poems Sonnets 99 99 from Barnes and Noble Complete Works of William Shakespeare 197 Plays Poems Sonnets SynopsisAll's Well That Ends Well As You Like It The Comedy of Errors Cymbeline Love's Labours Lost Measure for Measure The Merry Wives of Windsor The Merchant of Venice A Midsummer Night's Dream Much Ado About Nothing Pericles Prince of Tyre Taming of the Shrew The Tempest Troilus and Cressida Twelfth Night Two Gentlemen of Verona Winter's TaleThe Sonnets A Lover's Complaint The Rape of Lucrece Venus and AdonisAntony and Cleopatra Coriolanus Hamlet Julius Caesar King Lear Macbeth Othello Romeo and Juliet Timon of Athens Titus AndronicusHenry IV part 1 Henry IV part 2 Henry V Henry VI part 1 Henry VI part 2 Henry VI part 3 Henry VIII King John Richard II Richard IIIThank you.http //search.barnesandnoble /books/product.aspx ean=29400120... Up to $20. Statement Credit for Amex purchase at NY Area airports GoGo Internet Receive a statement credit of up to $20 when you make a purchase with an eligible American Express Card at one or more of these participating merchants at the airports listed below. Its just one more way American Express lets you travel on your terms. Offer valid 11/24 12/31/2010. Good for purchases at Brookstone DunkinDonuts Hudson News and GoGo internet. Enjoy. Amex deal Up to $20. Statement Credit for Amex purchase at NY Area airports Receive a statement credit of up to $20 when you make a purchase with an eligible American Express Card at one or more of these participating merchants at the airports listed below. Its just one more way American Express lets you travel on your terms. Offer valid 11/24 12/31/2010. Good for purchases at Brookstone DunkinDonuts Hudson News and GoGo internet. Enjoy. Amex deal Free Shipping Day 17 Dec 1715 merchants Today Friday 17 Dec is Free Shipping Day with 1715 participating merchants. It's worth checking out at linky. Actually I'm surprised not to find this topic already in this forum although it's on the blog linky. Escort 9500ix radar detector on sale for $399 @ Buydig buydig has it on sale for $399 ~$100 off of retail . LinkI wish I could find a way to spend Mastercard OO points on it to sweeten the deal but they are not a OO merchant and I cant find a 3rd party that uses them as a source/seller. Credit goes to purificada on SD. Free Shipping Day Today Shipping Deadline Guide Free shipping day @ Over 1000 merchants USPSFirst class mail - 12/20Priority mail - 12/21Express mail - 12/22 UPS2nd Day Air - 12/22Next Day Air - 12/23 FedexGround - 12/17Express Saver - 12/212Day - 12/22Overnight - 12/23 AmazonSuper Saver Shipping - 12/17Standard Shipping - 12/202-Day Shipping - 12/22 at 7pm PST1-Day Shipping - 12/23 at 3 30pm PST WalmartStandard Shipping and Site-to-Store - 12/202-3-Day Shipping - 12/211-Day Shipping - 12/22 $25 Dell Gift Card w/ Activation of Select DROID Phones + Get Up to 4.0% Cash Back 0 Posted By FatWallette Views 74 Replies 0 $25 Dell Gift Card with 2-yr. activation of DROID X by MOTOROLA + free activation and free shipping Droid Incredible by HTC Free with activation + Free shipping and a $25 Dell gift card $25 Dell Gift Card w/ 2-yr. activation of DROID X DROID 2 GLOBAL or DROID PRO by MOTOROLA + free shipping More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on Alienware$16.67 on Mobility Store purchases approved/shipped orders for a mobile device w/ qualifying 2-year activation .Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email $20 Statement Credit with $75 Purchase at Staples American Express A got a postcard in the mail yesterday. I have American Express Blue. Look for the postcard or just call to see if you're eligible. Reads - Use any eligible American Express card in you name - Make a purchase of $75 or more in-store at Staples by January 31 2011 - Get $20 back on your statementFine print To be eligible for this offer you must be the name recipient of this invitation. Using the registered Card in your name you must make a single purchase at a U.S. Staples location of $75 or more between 12/10/10 and 1/31/11. Prepaid American Express OPEN and corporate cards and ExpressPay transactions are not eligible. If you Card is replaced during the promotional period please call the customer service number. Limit one statement credit per Cardmember. Statement credits are generally issued within 5 business days after your qualifying purchase but may take up to 2 billing cycles to post to your account. Fulfillment of the offer is the sole responsibility of the participating American Express merchant. National Free Shipping Day is Friday December 17 On Friday December 17 more than 1 500 participating merchants will offer free shipping with delivery by Christmas Eve in the continental United States. Click on the link for the full list of merchants.http // freeshippingday / Classic PC games 30-50% off @ GOG GOG Sale Page 1. Duke Nukem 3D Atomic Edition $2.99 50% off 2. Planescape Torment $6.99 30% off 3. Heroes of Might and Magic 3 Complet... $6.99 30% off 4. Master of Orion 1+2 $4.19 30% off 5. Baldur's Gate The Original Saga $6.99 30% off 6. Might and Magic 6-pack Limited Edit... $6.99 30% off 7. 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Journey to the Center of the Earth $4.99 50% off Seahorse SE-540 Waterproof Protective Hardcase $15.80 @amazon FSSS Seahorse SE-540 Waterproof Protective Hardcase $15.80 @Amazon FSSS this one does not have the foam if you need the foam get the SE-540f which includes it for $23.95Use it for any important portable electronicsFor me I think it will be a nice travel case for my DSLR and lensesse-540se-540f sold outSeahorsecases Inside Dimensions 13.5" x 9.8" x 8.75" Outside Dimensions 14.9" x 12.13" x 9.58" Free Shipping Day Friday Shipping Deadline Guide Free shipping day @ Over 1000 merchants USPSFirst class mail - 12/20Priority mail - 12/21Express mail - 12/22 UPS2nd Day Air - 12/22Next Day Air - 12/23 FedexGround - 12/17Express Saver - 12/212Day - 12/22Overnight - 12/23 AmazonSuper Saver Shipping - 12/17Standard Shipping - 12/202-Day Shipping - 12/22 at 7pm PST1-Day Shipping - 12/23 at 3 30pm PST WalmartStandard Shipping and Site-to-Store - 12/202-3-Day Shipping - 12/211-Day Shipping - 12/22 This Deal Has Expired DEAD AMF Bowling - 10 Free Games CPN - EXP 1/3/11 http //images.revtrax /RevTrax/amf2.jsp viewType=prePrint ima... Canon SX210is Digital Camera $199 FS from Amazon with Coupon Code SX210 Link to Amazon item Link$249-$50=$199Save an Extra $50 Instantly For a limited time purchase the black PowerShot SX210 IS and save an additional $50 instantly. Simply add the product to your Shopping Cart enter promotional claim code 4ETCGR9T and we'll automatically apply a $50 discount at checkout. This offer is valid for a limited time and while supplies last applies only to purchases of products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Discount limited to one per customer and cannot be combined with other code-based offers. Amazon reserves the right to modify or end this promotion at any time. See terms and conditions. Coupon code for $50 off 4ETCGR9T 15% 25% Off All Desktops at Dell Refurbished Systems + 2% Cash Back 0 Posted By FatWallette Views 72 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 25% off Desktops $199 and up use coupon Desk$199 upSave25 25% off Laptops $400 and up use coupon Lap$450 upSave25 15% off Laptops $300-$399 use coupon Lap$300-399Save15 Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email 100 Free Continental OnePass Miles Register for this offer to get 100 free OnePass miles.YMMV- this may be only for those with a OnePass Debit or Credit card- give it a try nothing to lose.Earn Twice the Miles this holiday season and all year long when you use your Continental Airlines Chase Credit or Debit Card to purchase gifts at ShopOnePass from over 60 popular online merchants such as Home Depot Target Best Buy and more.Plus you can earn 100 bonus miles when you register by Dec. 31 2010 and learn about your ShopOnePass Twice the Miles Card benefit. Canon SX210is Digital Camera $199 FS from Amazon with Coupon Code Link to Amazon item Link$249-$50=$199Save an Extra $50 Instantly For a limited time purchase the black PowerShot SX210 IS and save an additional $50 instantly. Simply add the product to your Shopping Cart enter promotional claim code 4ETCGR9T and we'll automatically apply a $50 discount at checkout. This offer is valid for a limited time and while supplies last applies only to purchases of products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Discount limited to one per customer and cannot be combined with other code-based offers. Amazon reserves the right to modify or end this promotion at any time. See terms and conditions. Coupon code for $50 off 4ETCGR9T Cash Back Merchants with Free Beauty Gift with Purchase Offers - 2010 0 Posted By FatWallette Views 215 Replies 0 Free Makeup Gift with Purchase Offers Shopping for a gift for her or maybe yourself 'Tis the season for free with purchase sets from department stores and beauty merchants. Choose from travel bags free samples and even perfumes packaged for gift-giving wow - and they smell nice too. Beauty Stores Beauty Free Charlote Ronson Bag with 13 Deluxe Samples with $100 purchase 10.0% FatWallet Cash Back Beauty Coupons and Cash Back Bliss Free bliss Sample-filled Tote Bag $200 value with any $150+ order. Code HOLIDAY 7.0% FatWallet Cash Back Bliss Coupons and Cash Back Bobbi Brown Cosmetics Free Full Size Long-Wear Gel Eyeliner in Cobalt or Mahogany Ink with any order over $65 Code BEST55 7.0% FatWallet Cash Back Bobbi Brown Cosmetics Coupons and Cash Back Clinique Free Trio of Clinique Minis with $30 Order 6.0% FatWallet Cash Back Clinique Coupons and Cash Back Elizabeth Arden Free 8-Piece Luxe Gift and Free Shipping with $35 purchase while supplies last Code LUXE8 Free 30-Pc Makeup Box and Free Shipping with $60 purchase while supplies last Code HOLIDAY60 10.0% FatWallet Cash Back Elizabeth Arden Coupons and Cash Back Giorgio Armani Beauty Free shipping and two free samples with $75 puchase Code DESIGNER10 8.0% FatWallet Cash Back Giorgio Armani Beauty Coupons and Cash Back Lancome Free Four Piece Deluxe Sample Collection + Free Shipping with $45 Purchase Code ADEC 12.0% FatWallet Cash Back Lancome Coupons and Cash Back Macys Free Gift with $65 Lancome Purchase 3.0% FatWallet Cash Back Macys Coupons and Cash Back Prescriptives Free Travel Soft Shadow Brush + Free Shipping with any $35 purchase Code FATWALLET 8.0% FatWallet Cash Back Prescriptives Coupons and Cash Back Proactiv Solution Free Gift with purchase of Proactiv System Up to 60.0% FatWallet Cash Back Proactiv Solution Coupons and Cash Back Sephora 3 Free Bare Escentuals Best Sellers with Purchase Code BEBARETRIO Free Deluxe Sample of Stila Black Diamond Mascara with Purchase Code BLACKDIAMOND 5.0% FatWallet Cash Back Sephora Coupons and Cash Back StrawberryNet New Customers Free Gift with First Purchase 5.0% FatWallet Cash Back StrawberryNet Coupons and Cash Back TimeToSpa Free Lonithermie 3-Day Program for Cellulite with any Lonithermie Purchase offer valid while supplies last. cannot be combined with any other offer. Code 3DAYKIT 5.0% FatWallet Cash Back TimeToSpa Coupons and Cash Back Ulta Beauty Free Metallic Tote with 2 ULTA Bath full-size products while supplies last - excludes Smoothie 3oz sizes swirl creams whipped mousse body polish gift sets bath gems and clearance 9 Free Samples and Free Bag with any $25 purchas Limit 1 - not combinable with other offers. Free 3-pc Travel Size Brush Set with $30 Smashbox purchase Lorac Box Office Hit Palette - $35 with Free Deluxe Multiplex Lipgloss 8.0% FatWallet Cash Back Ulta Beauty Coupons and Cash Back Yves Rocher Free Gift with any order 24.0% FatWallet Cash Back Yves Rocher Coupons and Cash Back Groupon Get $25 of Coffee Kcups Tea Sportsdrinks etc for $10 plus ship if applicable at CWUSA http // cw-usa / link to online merchant offering deal link to Groupon deal http // groupon /deals/coffee-wholesale-usa-bakersfield ut... $100 Off Hawaii Carib or Mexico Vacation Packages at Orbitz + Up to 4.8% Cash Back 0 Posted By FatWallette Views 319 Replies 1 Orbitz Worldwide NYSE OWW is a leading global online travel company offering leisure and business travelers a wide selection of low airfares as well as deals on lodging car rentals cruises vacation packages and other travel. Orbitz uses innovative technology to enable travelers to research plan and book this broad range of travel products. In 2008 Orbitz launched Price Assurance making it the first travel company to automatically refund travelers when cheaper fares are booked on their site. $100 Off Hawaii Carib or Mexico Vacation Packages Code 100VACATION More Offers from Orbitz 4.8% FatWallet Cash Back Terms Cash Back Sale ends 12/31/10.$3.00 Cash Back available for each Air ticket purchased4.8% Cash Back available on Merchant Hotel1.2% Cash Back available on Car Rental Cruise2.1% Cash Back available on Packages2.4% Cash Back available on Retail Hotel3% Cash Back available on ActivitiesMerchant Hotels require pre-payment. Retail Hotels do not.Cash Back not available for Amtrak tickets. Visa purchase listed as Cash Advance I used my business credit card to buy a course sold by a company that provides education and research products for the commodity futures industry. The credit card bank Citibank listed this transaction as a Cash Advance and charged me additional fees and interest.The additional information available via my online statement says the merchant category is a Mortgage / Financial Services company. I spoke with the owner of the company and he said this is clearly wrong and other customers have not reported this problem. I previously purchased another course from his company in 2005 and that transaction was processed as a Purchase not a Cash Advance. The business is located in the State of Illinois and their Department of Business Services Database doesn't list it as any sort of financial institution.I phoned the number on my credit card and they wouldn't let me dispute it. Claiming that any charge from a mortgage company or financial institution is automatically counted as a cash advance. I went to my local bank manager in California who phoned Citibank Visa on my behalf. Their new explanation is the extra charges were due to foreign transaction fees. I don't feel I'm getting a straight answer.I'm going to submit a written dispute to Citibank claiming they have miscategorized the transaction and asking for a refund of the fees and interest.I am posting to FW to see if anyone else has had a similar experience. My dispute amount is small under $20 but I can't help from feeling as though banks are constantly seeing how they can charge fees for things they're not entitled to. Samsung EX2220X 21.5-in LED Backlit Widescreen LCD Monitor for $137.00 @ Buy Touch the Future with myTouch Web-connected myTouch is a 4.3 LCD touch screen that steps you through your print job with vivid icons you can customize online. Or print directly from the web too. / WiFi N for Intense Productivity / WiFi N gives you the freedom of wireless technology with 3x the coverage and faster transfer speeds than traditional wireless networks. Click Here and add to cart for $145.00 - $8 Instant off Ends 12/13 = $137.00 + Free Shipping Offered by Third Party Merchant FREE SHIPPING DAY - 12/17/10 Free Shipping Day by Freeshipping.org 6 days until Free Shipping Day Friday December 17 2010LINK * Free Shipping Day 2010 On Friday December 17 more than 1 000 participating merchants will offer free shipping with delivery by Christmas Eve in the continental United States. * All Free Shipping Day offers will be revealed on this web site at 12 00am EST on Friday December 17 2010. Over 60% of participating merchants are offering free shipping on all orders. 25% Off Refurb Dell D531 Laptops at Dell Refurbished Computers + 2% Cash Back 0 Posted By FatWallette Views 41 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 25% off D531 Laptops use coupon D531SecondChance Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Dell Mobility Store Offers Get Up to 4% Cash Back 1 Posted By FatWallette Views 261 Replies 1 Free Samsung Captivate Galaxy S smartphone with Free activation and Free shipping with a 2yr AT T activation and data plan DROID X by Motorola lowest price ever + free activation and free shipping DROID Incredible by HTC free with 2yr Verizon wireless activation and data pack + free activation and free shipping More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on Alienware$16.67 on Mobility Store purchases approved/shipped orders for a mobile device w/ qualifying 2-year activation .Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Thomas the Train Table - Learning Curve $133.25 shipped Amazon I've been watching this table for months. I'm not sure if Learning Curve just cut the price or if the market is flooded. It doesn't come with a top but this is one heck of a well built train table. I have a used one and vouch for it's construction and quality. There is a 3rd party merchant fulfilled through Amazon for a $1-$2 cheaper but I'd go with Amazon incase of a shipping mishap the return policy is golden. The cheapest I had seen this table was $170 until today.Amazon LinkCamelCamelCamel - Price Chart $20 fuel credit from Chevron/Texaco with credit card approval Saw this offer while filling up at a local station. Open an account with Chevron or Texaco now through December 31st 2010 and receive $20 in fuel credits after using the card 4 times within 30 days of approval. It does not state if there is a minimum purchase requirement.Chevron linkYou can accumulate up to $300 in fuel credits per calendar year as part of their rewards program 10 cents per gallon . Rewards program info below The Chevron Fuel Rewards Program is available for cardholders with a Chevron Visa Card account or Texaco Visa card account Account . For every electronic card swiped purchase of fuel from any participating Chevron or Texaco branded retail location in the United States charged to your Account a Chevron Fuel Purchase you will accrue ten cents $0.10 per gallon as a statement credit that can be applied to future purchases of fuel made on your Account at any Chevron or Texaco branded retail location in the United States Fuel Credits . In addition for every dollar in net purchases merchandise purchases minus returns and adjustments other than Chevron Fuel Purchases charged to your Account at any participating Chevron or Texaco branded retail location in the United States you will accrue Fuel Credits equal to 3% of the net purchase amount. For every dollar in net purchases made at other non-fuel merchants and charged to your Account you will accrue Fuel Credits equal to 1% of the net purchase amount. Balance Transfers Access Checks Cash Advances finance charges and fees do not qualify for Fuel Credits. Chevron Fuel Purchases to which Fuel Credits are applied do not accrue Fuel Credits. In addition commercial diesel purchases aviation fuel purchases marine fuel purchases and any purchases made at non-Chevron or Texaco branded gasoline merchants do not qualify for Fuel Credits. A maximum of $300 in total Fuel Credits may be accrued in any calendar year and a maximum of $300 in total Fuel Credits may be redeemed in any calendar year. CAUTION This card carries a steep interest rate so I would not plan on carrying a balance on it. Offermatic is like Groupon + Mint + FatWallet = Sign up for around $45 in stackable Cash Back After reading about Offermatic on TechCrunch an AOL owned Technology Startups blog I decided to check it out.Here's a Show Tell YouTube videoI've attached a screenshot of the site.Within 5 minutes of feeding it my three main credit card account credentials it uses Yodlee same as Mint I received the following offers 5% back on gasoline any source for 60 days up to $200 A $10 automatic rebate on any purchase of $100 or more at Fry's on a purchase within 3 days A $5 automatic rebate on any purchase of $40 or more at Costco on a purchase within 2 weeks A $12 Movie ticket for $6 - Order online linked from Offermatic A $10 Starbucks card for $5 - Order online linked from Offermatic These are in ADDITION TO any credit card Cash Back offers and any coupons at least for the in store stuff because it's solely based off your credit card showing a transaction at the merchant. The opportunities to stack discounts seem HUGE Heck $10 off at Fry's I've never even HEARD of a coupon for Fry's much less a $10 off one The deals I've seen on the Groupon'ish sites have largely been useless to me. The best was the discounted movie tickets and WeeklyCinema then went belly up making the vouchers useless. These five offers on the other hand ARE useful to me. So I'm actually going to take advantage of each one. So that's $37 + 5% back on gas so about $7 for me giving $45 back in 2 months. Plus whatever additional offers or points redemtions kick in. For doing what I'd do ANYWAY.Please rep and TU if you think it's a good deal Wanted to add there's another thread discussing it here http // fullofdeals /forums/finance/1036143/San Francisco Chronicle Article SFGate said Here's A Deals Service That Could Blow Groupon Away Matt Rosoff provided by Tuesday December 7 2010 Groupon may have blown its chance by passing up Google's acquisition offer last week. A new deals site called Offermatic which launched today after four months of beta testing has the potential to make daily deals sites look stale. Instead of one random discount per day Offermatic offers users multiple discounts from major retailers. Those discounts are based on the user's actual purchasing history on a credit card or debit card. Spend a lot of money on new gadgets Look for deals from Best Buy and Radio Shack. About time for your quarterly wardrobe update Expect to see deals from The Gap and Abercrombie Fitch. To sign up consumers have to register a debit or credit card with Offermatic. Cards from most major banks BofA Chase Wells Fargo and many more are supported but an online banking password might be required to get started a possible barrier for customers who have only used their credit cards to shop. Discounts are applied directly back to the card so there's no coupon to track or rebate to send in. Saving money is "almost passive " says Offermatic CEO Faisal Qureshi. Offermatic earns commissions from merchants each time a customer buys one of the discounted products. Merchants don't pay for leads or impressions only for actual purchases. The company has 75 of the top 100 U.S. retail merchants offering deals at launch and Qureshi expects others to jump aboard once they see how Offermatic presents a much better marketing vehicle than daily deal sites like Groupon and LivingSocial. That's because instead of throwing out a random deal to the entire Internet retailers can offer targeted deals to customers who are already spending money in that category. It's almost like the hyper-precise targeting of Google AdWords has come to the physical world. Qureshi claims that merchants are seeing average conversion rates of 14% or 15% during beta testing. By way of comparison a great AdWords campaign might get a conversion rate of 10%. What about piracy Qureshi admits there's a core of skeptics who will never participate. But Offermatic doesn't actually store any sensitive data on its servers it only stores the user's log-in credentials. The actual data credit card numbers and purchase history is transferred securely to Yodlee which has years of experience managing sensitive personal data for personal finance sites like Mint . The biggest problem says Qureshi will be building the consumer user base and merchant participation in lockstep. If there aren't enough shoppers merchants will quickly lose interest and stop participating. If the shoppers come too early they won't see enough deals to recommend the site to their friends. Offermatic has spent the last four months figuring out how to strike that balance for example by focusing on big national merchants so customers are almost guaranteed to get at least one offer when they sign up. Today they'll begin to see whether all that testing has paid off. Offermatic = Groupon + Mint = $45+ in Free Money After reading about Offermatic on TechCrunch an AOL owned Technology Startups blog I decided to check it out.Here's a Show Tell YouTube videoI've attached a screenshot of the site.Within 5 minutes of feeding it my three main credit card account credentials it uses Yodlee same as Mint I received the following offers 5% back on gasoline any source for 60 days up to $200 A $10 automatic rebate on any purchase of $100 or more at Fry's on a purchase within 3 days A $5 automatic rebate on any purchase of $40 or more at Costco on a purchase within 2 weeks A $12 Movie ticket for $6 - Order online linked from Offermatic A $10 Starbucks card for $5 - Order online linked from Offermatic These are in ADDITION TO any credit card Cash Back offers and any coupons at least for the in store stuff because it's solely based off your credit card showing a transaction at the merchant. The opportunities to stack discounts seem HUGE Heck 10% off at Fry's I've never even HEARD of a coupon for Fry's much less a 10% off one The deals I've seen on the Groupon'ish sites have largely been useless to me. The best was the discounted movie tickets and WeeklyCinema then went belly up making the vouchers useless. These five offers on the other hand ARE useful to me. So I'm actually going to take advantage of each one. So that's $37 + 5% back on gas so about $7 for me giving $45 back in 2 months. Plus whatever additional offers or points redemtions kick in. For doing what I'd do ANYWAY.Please rep and TU if you think it's a good deal 50% off Hotels TODAY ONLY @ Amex Travel LINKCode AMXHOTEL50Terms and Conditions The promotional code the Promo Code for 50% off hotel purchase when you spend $100 or more is valid between 12 01 a.m. Central Time on December 8 2010 to 11 59 p.m. Central Time until supplies last the Promotion Period . Your use of the Promo Code on the American Express Consumer Travel Web site the Site is subject to the American Express User Agreement and Privacy Policy. The Promo Code is valid only for qualifying purchases made on the Site. A qualifying purchase means a minimum $100 spend which is offered on the Site during the Promotion Period. Travel dates must be between December 8 2010 and April 30 2011. To redeem the Promo Code you simply type in AMXHOTEL50 into the Promotional Code field on the Checkout Review Page of the Site and 50% off the cost of the hotel when you spend $100 or more will be automatically deducted from the final price of your qualifying Hotel. You may only redeem the Promo Code once and only during the Promotion Period. You may not redeem or exchange the Promo Code for cash. You may not use or combine the Promo Code with any other promotional codes. If lost or stolen the Promo Code will not be replaced. This Promo Code is not valid for Last Minute Packages. American Express makes no warranties express or implied with respect to promotional codes including without limitation any express or implied warranty of merchantability or fitness for a particular purpose. In the event a promo code is not functional your sole remedy and the sole liability of American Express shall be the replacement of the non-functioning promo code. American Express reserves the right to change these Terms and Conditions from time to time in its sole discretion. Kingston HyperX 4GB 2 X 2GB DDR3 1600MHz SDRAM $35 AR buy Kingston HyperX 4GB 2 X 2GB DDR3 1600MHz SDRAM Non-ECC 240-pin Memory Module - KHX1600C9D3K2/4GX LINK $30 Mail in Rebate Purchase this Kingston Product from Buy and receive a $30 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 12/8/2010 to 12/18/2010 Click here for rebate form terms and conditions. Shop and save $20 when you pay using SunTrust Online Banking with Bill Pay Save an EXTRA $20 off $100 with eBillme Try eBillme and get a $20 instant rebate on orders of $100 when you pay with eBillme. Apply the eBillme coupon code SUNTRUST2010 after you choose eBillme as your payment option at the merchant checkout. Offer expires January 15th 2011. Restrictions apply. Offer details. Offer details LinkLink To Terms Acer Aspire TimelineX AS1830T-3505 11.6" Notebook i3-330UM HDMI 3GB 250GB ~$420 AC and Chase rewards @ overstock Overstock has this nice little but powerful ultra-portable notebook for $500. Use the code 201395 to get %10 price down to $450 . I also used my chase freedom card to get an additional 6 pts/$ on top of my standard 1pt/$ rewards $450-31.50 = $418.50 . The chase rewards sale at overstock is only lasting until 12/31 and I am not sure when the 10% coupon expires. You can always try to double up with CashBack from other websites but this is obviously YMMV. In the end getting this laptop for less than $420 is by far the best price on the web and is a great price for a laptop that was designed to compete with the new macbook air although that is more so in comparison with the upgraded i7 version .Code 201395 Link Access the chase rewards page through your online account and go to the overstock merchant for the online shopping rewards. Full specs below... Free 30 Day Membership to Freeshipping Freeshipping is offering free membership for 30 days. If you plan on buying gifts online this could save you a bundle this December. Just don't forget to cancel before they start billing you monthly.From the site "The FreeShipping Insiders-Club is the perfect online shopping companion. Savings protection and convenience at all of the stores you know and trust. Shop through our exclusive directory of over 1 000 of the best merchants on the web and you can get cash-back on your shipping charges." Buy a $50 Amazon Gift Card and Get $5 to Spend on Yourself Just received email from Amazon Dear Amazon Customer Enjoy this exclusive e-mail offer Buy at least $50 in Amazon Gift Cards before Christmas and we'll give you $5 off your next purchase at Amazon .*Give Amazon Gift Cards this season and get a little something back for yourself.*Receive $5 off a future Amazon retail order when you purchase at least $50 in Amazon Gift Cards between 12 00 A.M. PT on December 6 2010 and 11 59 P.M. PT on December 25 2010. Purchases must be for at least $50 in combined Amazon Gift Card value. Offer valid on Amazon Gift Cards by Mail Facebook Print at Home Gift Cards and E-mail Gift Cards purchased on Amazon . Amazon Gift Cards sent in advance via E-mail and Facebook must be delivered by 11 59 P.M. PT on December 25 2010. For qualifying purchases a promotional code of $5 will be sent to this e-mail address by January 7th 2011 and is good for 30 days from the date of the e-mail. Offer good for customers receiving this e-mail only. Limit one offer per customer. Code may be applied only to products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Restrictions apply. See amazon /promos for complete details. May not be combined with other offers. Void where prohibited. For complete Amazon Gift Card terms and conditions visit amazon /gc-legal. Coinstar Cash in $40 get $10 bonus for iTunes Lowe's Borders Rixty Regal/UA/Edwards. Coming soon Amazon You get the $10 gift card by mail for all except Rixty which is available right away. I did this last year and the gift card came within 3 weeks.Links iTunes Lowe's Borders Rixty RegalOn 12/9/10 Amazon joins the mix on this offer as well.No fee for cashing in your coins for any of these merchants. Directions for cash in and for the gift cards are on the Coinstar site. Enjoy $50 Ooliveoil GC @ Jasmere Currently @ $21.00 Dropping Calling All Foodies A friend just introduced me to the world of http // jasmere /how-jasmere-works and I am already hooked. Their current offer is for a $50 gift certificate to O Olive Oil - http // ooliveoil /I am not asking to refer anyone. I am just hoping more people will want to buy so that we can all reap the savings If you like the deal post it on your facebook and twitter. They have links to make it easy. The current price for these $50 GC's is $21.00 It was $22.00 when I first checked it out but as more people buy the price drops. No matter when you place your order your card is not charged until the promo is over. The more people that buy even after you place your order makes the price you are charged even lower. http // jasmere /learn-moreCould be a great gift for the Foodie in your life. They have beautiful gift sets with oils vinegars and tapenades. Let's get that price down to a nice 75% savings folks Gift-able gourmet bottles of tasty Bliss for chefs and amateurs alike - Oh yes it's O Olive Oil.Product Information Add a drizzle of excitement to your kitchen with citrus-crushed olive oils and premium barrel-aged wine vinegars from O Olive Oil. Top chefs foodies and kitchen enthusiasts alike will swoon when they see the bright elegant bottles and smell the aromatic freshness that flows from every one. Use today's $50 vouchers to stock up on gourmet gift sets and individual bottles or mix and match . O Olive Oil offers free shipping for all orders over $60 in value yes this offer is applicable to voucher orders so long as the pre-discount value is over $60 New to the site Allow us to explain what we mean by "voucher". Vouchers will be delivered via email shortly after noon Eastern on Tuesday codes will be pre-activated in the merchant's system main feature only This is a single-use voucher and leftover value if any will not be retained by user Up to 5 O Olive Olil vouchers may be purchased and multiple vouchers will be automatically combined into one code for the total amount. #9702 If you'd like to purchase multiple codes to give as gifts i.e. you do not want them combined please place multiple orders today at jasmere. Each order will generate a single voucher code. Vouchers may not be used for shipping tax or gift certificates and cannot be combined with other offers This voucher will expire on April 6 2011. If your order does not qualify for free shipping expect to pay about $11 for FedEx Ground. Faster shipping options are available for an additional charge main feature .In addition to getting the vouchers for over 50% off you can save even more by purchasing from the section called "gifts." Many items from the line are packaged together with increased savings. Those pre packaged gifts come in nice boxes I bought one and have received it and save you anywhere from $1 - $10.The ones that save you $10 are in the White Boxes ooliveoil - but only Marin Sonoma the others save you less but still offer savingsThe ones that save you $4 are in the Charcoal Box ooliveoil Executive Chef ooliveoil Trios ooliveoil The ones that save you nothing are in the Natural Box ooliveoil Organza Bag ooliveoil Don't bother purchasing the Signature Series ooliveoil as they are even more expensive than purchasing individually - you are paying for the trays.Not all products in the line are in these boxes and not all boxed items are listed on the products page. So make sure you check both sections on the O website for a larger selection.Don't forget there's a limit of 5 vouchers. If you purchase more than one they will be combined to give you 1 code. The balance won't carry over so you have to use it all. You should purchase the vouchers in separate transactions if you need to give them as gifts and don't want them to combine the codes . Presently 5 vouchers would cost you $105 for at least $250 worth of products more if you purchase some of the gift sets . Also tax is not covered by the vouchers so if you're in California expect to pay that. Dewalt Tool Deals @Amazon $25 off 100 Amazon $25 off $100 Dewalt Tools. The link takes you to plenty of them. Some below. Remember their prices are already lower than everyone elses. DEWALT DC759KA Heavy-Duty 18-Volt Ni-Cad 1/2-Inch Cordless Drill/Driver Kit - $25 off =$104.99 DEWALT DW713 10-Inch Compound Miter Saw $194.39 - $25 = $169.39 DEWALT DW618PK 12-AMP 2-1/4-HP Plunge and Fixed Base Variable Speed Router Kit - $25 off = $154.99 DEWALT DC970K-2 18-Volt Drill/Driver Kit - $25 off = $94.99 DEWALT DC012 Worksite Charger/Radio - $25 off = $126.04 DEWALT DC720KA Cordless 18-Volt Compact Drill/Driver - $25 off = $143.20 PROMOTION EXPIRES ON 12/25To receive the Best Value discount Add all products described in the promotional offer message to your Shopping Cart one of two ways a. Via the Add both to Cart button in the promotion description OR b. Via the Add to Shopping Cart button on each respective product information page. The amount of the Best Value savings will be reflected on the final order checkout page and will be allocated proportionally to all participating items in the Shopping Cart including the Best Value item itself. For example if the promotion offers $5 off one item worth $10 when you purchase two items worth $20 each the $5 will be divided proportionately between the three items so that the Best Value item will appear with a $1 discount and each of the two other items will appear with a $2 discount. If you remove any of the participating promotion items from your Shopping Cart or violate any of the terms and conditions listed below the promotion will be invalid and the discount will be removed from the order. If you return any of the items involved in the promotion the discount previously applied to the order will be subtracted from the return credit. Terms and Conditions Promotional offer valid for a limited time only. Items placed in Shopping Cart overnight may not be eligible for promotion at time of checkout. Promotion applies only to qualifying items displaying the offer message on their product information pages. Items that do not display the offer message do not qualify regardless of the nature of the item. Applies only to products sold by the merchant indicated in the promotional offer message. Does not apply to items sold by other merchants on the Amazon Web site. For example where the promotional offer applies to items offered by Amazon items offered by other merchants on the Amazon Web site e.g. Land's End Target etc. do not qualify. Does not apply to any products purchased in Amazon 's other sites including Amazon.co.uk Amazon.de Amazon.fr or Amazon.co.jp or in Marketplace zShops or Auctions. Unless the offer message indicates otherwise the promotional offer applies to the lowest priced qualifying item s Applies only when all qualifying and benefit products in the promotion are purchased in one order. Applies only to complete orders shipping to a single address that meet all other promotional requirements. Offer good while supplies last. No substitutions or rain checks. Offer must be redeemed through the Shopping Cart. Does not apply to orders placed with 1-Click. Shipping and handling charges apply to all products including bonus items. Offer may not be combined with other offers including promotional certificates. Void where prohibited. Selected AMEX biz cards - $50 off gt $50 at OfficeMax HPDirect Epson Symantec Most likely targeted and I do not see a "sign-up" page. I received an email early this morning referring only to my AMEX Biz card not any personal cards and that's repeated in the T C's . The fine print indeed states that it's one time $50 credit on gt $50 in purchases at Epson HPDirect Logoworks by HP OfficeMax or Symantec.Offer Page T C'sNote that the OfficeMax fine print condition of gt $100 is for the normal OPEN Savings of 5% on purchases of gt $100 not this promotion. Terms Conditions 1 $50 statement credit applies to any combination of Epson HPDirect Logoworks by HP OfficeMax or Symantec transactions totaling $50 or more made between December 5 2010 and December 31 2010 and will appear as a statement credit on your billing statement. Statement credits are generally issued within 10 business days upon completion of the eligible transaction s but may take up to 2 billing cycles to post to your account. The maximum discount available for this bonus offer is $50 per Card account. This promotional offer pertains to a particular American Express Business Card product. Please reference the OPEN Savings summary on your monthly billing statement or online at open to determine Card eligibility.2 OPEN Savings Savings range from 3% to 10%. Payment must be made with an American Express Business Card at the time of purchase savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded the OPEN Savings discount will be reversed and debited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open /opensavings. Merchant participation and offers are subject to change without notice.3 OfficeMax Valid on total purchase of $100 or more at OfficeMax retail locations by phone or online. Purchase amount including taxes must be $100 or more after any coupons or other discounts are applied. Visit officemax /opensavings for OfficeMax terms and conditions.4 HP Direct Valid only for purchases made online at HPDirect or by calling 1-866-511-0279. Discount is not valid for purchases made in retail stores or any other online website. Discount is not valid on purchases of gift cards. Unauthorized resellers are not eligible for the program discount. Maximum annual savings is $5 000 per Card account. Visit HPDirect to see all other HP terms and conditions that apply.5 Logoworks by HP Valid on all graphic design services.6 Epson Valid only on purchases made in the U.S. at Epsonstore and telephone purchases made by calling 1-800-873-7766. Discount will not be applied to any sales transactions for Epson products and services not made via EpsonStore or the telephone number set forth herein.7 Symantec Valid only on purchases made at the Symantec online store. Resellers are not eligible for this discount. Selected AMEX biz cards - $50 back at OfficeMax HPDirect Epson Symantec Most likely targeted and I do not see a "sign-up" page. I received an email early this morning referring only to my AMEX Biz card not any personal cards and that's repeated in the T C's . The fine print indeed states that it's one time $50 credit on gt $50 in purchases at Epson HPDirect Logoworks by HP OfficeMax or Symantec.Offer Page T C'sNote that the OfficeMax fine print condition of gt $100 is for the normal OPEN Savings of 5% on purchases of gt $100 not this promotion. Terms Conditions 1 $50 statement credit applies to any combination of Epson HPDirect Logoworks by HP OfficeMax or Symantec transactions totaling $50 or more made between December 5 2010 and December 31 2010 and will appear as a statement credit on your billing statement. Statement credits are generally issued within 10 business days upon completion of the eligible transaction s but may take up to 2 billing cycles to post to your account. The maximum discount available for this bonus offer is $50 per Card account. This promotional offer pertains to a particular American Express Business Card product. Please reference the OPEN Savings summary on your monthly billing statement or online at open to determine Card eligibility.2 OPEN Savings Savings range from 3% to 10%. Payment must be made with an American Express Business Card at the time of purchase savings will be credited to your account. If purchases that received the OPEN Savings discount are refunded the OPEN Savings discount will be reversed and debited to your account. Other restrictions or limitations may apply. Subject to offer terms and conditions located at open /opensavings. Merchant participation and offers are subject to change without notice.3 OfficeMax Valid on total purchase of $100 or more at OfficeMax retail locations by phone or online. Purchase amount including taxes must be $100 or more after any coupons or other discounts are applied. Visit officemax /opensavings for OfficeMax terms and conditions.4 HP Direct Valid only for purchases made online at HPDirect or by calling 1-866-511-0279. Discount is not valid for purchases made in retail stores or any other online website. Discount is not valid on purchases of gift cards. Unauthorized resellers are not eligible for the program discount. Maximum annual savings is $5 000 per Card account. Visit HPDirect to see all other HP terms and conditions that apply.5 Logoworks by HP Valid on all graphic design services.6 Epson Valid only on purchases made in the U.S. at Epsonstore and telephone purchases made by calling 1-800-873-7766. Discount will not be applied to any sales transactions for Epson products and services not made via EpsonStore or the telephone number set forth herein.7 Symantec Valid only on purchases made at the Symantec online store. Resellers are not eligible for this discount. Earn Cash Back on Gift Card Purchases 3 Posted By FatWallette Views 360 Replies 0 Happy Holidays and Happy Shopping These merchants are generous enough to pay cash back when you buy one of their gift cards # A - C Adagio Teas 6.0% Cash Back Available Adagio Teas Coupons and Cash Back Altrec Outdoors 7.0% Cash Back Available Altrec Outdoors Coupons and Cash Back American Express Gift Cards 1.0% Cash Back Available American Express Gift Cards Coupons and Cash Back Auto Parts Warehouse 6.0% Cash Back Available Auto Parts Warehouse Coupons and Cash Back BabyAge 4.0% Cash Back Available BabyAge Coupons and Cash Back Back to Basics Toys 7.0% Cash Back Available Ends 12/31/10 Back to Basics Toys Coupons and Cash Back Bagsbuy 11.0% Cash Back Available Ends 12/31/10 Bagsbuy Coupons and Cash Back Ballard Designs 4.0% Cash Back Available Ballard Designs Coupons and Cash Back BareNecessities 7.0% Cash Back Available Ends 12/31/10 BareNecessities Coupons and Cash Back D - L Dillards 4.0% Cash Back Available Ends 12/31/10 Dillards Coupons and Cash Back Discovery Channel Store Up to 7.0% Cash Back Available Ends 12/31/10 Discovery Channel Store Coupons and Cash Back drugstore 8.0% Cash Back Available Ends 12/31/10 drugstore Coupons and Cash Back e.l.f. Cosmetics 8.0% Cash Back Available Ends 12/31/10 e.l.f. Cosmetics Coupons and Cash Back Eastbay 6.0% Cash Back Available Eastbay Coupons and Cash Back M - Z Magazines 33.0% Cash Back Available Ends 12/31/10 Magazines Coupons and Cash Back Magellan's 6.0% Cash Back Available Magellan's Coupons and Cash Back Marriott Up to 2.5% Cash Back Available Marriott Coupons and Cash Back Meijer 2.0% Cash Back Available Meijer Coupons and Cash Back metrostyle 6.0% Cash Back Available Ends 12/31/10 metrostyle Coupons and Cash Back Mikasa 6.0% Cash Back Available Ends 12/31/10 Mikasa Coupons and Cash Back Mountain Hard Wear 5.0% Cash Back Available Mountain Hard Wear Coupons and Cash Back NBC Universal Store 6.0% Cash Back Available Ends 12/31/10 NBC Universal Store Coupons and Cash Back Northern Tool 3.0% Cash Back Available Northern Tool Coupons and Cash Back Omaha Steaks 4.5% Cash Back Available Omaha Steaks Coupons and Cash Back Organize 5.0% Cash Back Available Organize Coupons and Cash Back Overstock Up to 4.8% Cash Back Available Overstock Coupons and Cash Back Perfume Worldwide 10.0% Cash Back Available Perfume Worldwide Coupons and Cash Back Pingo $10.00 Cash Back Available Pingo Coupons and Cash Back QVC 3.0% Cash Back Available QVC Coupons and Cash Back REI 3.0% Cash Back Available REI Coupons and Cash Back Restaurant 24.0% Cash Back Available Restaurant Coupons and Cash Back ReStockIt 1.5% Cash Back Available ReStockIt Coupons and Cash Back Sally Beauty Supply 7.0% Cash Back Available Sally Beauty Supply Coupons and Cash Back Sears 4.0% Cash Back Available Ends 12/31/10 Sears Coupons and Cash Back Sears Canada 2.0% Cash Back Available Sears Canada Coupons and Cash Back Shoebuy 11.0% Cash Back Available Ends 12/31/10 Shoebuy Coupons and Cash Back ShoeMall 10.0% Cash Back Available ShoeMall Coupons and Cash Back shopbop 6.0% Cash Back Available shopbop Coupons and Cash Back ShoptheLook.net 8.0% Cash Back Available Ends 12/31/10 ShoptheLook.net Coupons and Cash Back $1.50 Off Each MasterCard Prepaid Gift Card at GiftCards + Up to 3.5% Cash Back 0 Posted By FatWallette Views 162 Replies 0 GiftCards sells Visa Gift Cards with Create A Card capabilities for you to create your own customized Visa Gift Card. Choose your Visa Gift Card's personality by selecting a background from our design gallery or build a card from scratch by uploading a personal photo. GiftCards sells merchant gift cards to your favorite retailers and restaurants. We also service large corporate clients for their corporate incentives and rewards programs. The GiftCards Visa Gift Card is issued by First Gulf Bank N.A. pursuant to license from Visa U.S.A. Inc Up to 3.5% Cash Back Available Special Offers from GiftCards $1.50 Off Each MasterCard Prepaid Gift Card use coupon MC2010expires after 30 000 redemptions GiftCards Coupons Cash Back Up to 3.5% FatWallet Cash Back Available 1.5% Cash Back available on Visa Card purchases.3.5% Cash Back available on all other gift card purchases.3.5% Cash Back available on gift cards sold to GiftCards . Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Hallmark offers $5 off $5 Printable Coupon Hallmark offers $5 off $5 or more with this Printable Coupon which may be used now through Dec 05 2010 at Hallmark Gold Crown Stores.http //images.revtrax /RevTrax/couponPrePrint.jsp viewType=vi... MEIJER - Spend $125 Receive Free Dinner/Movie Tickets for 2 + Free Shipping - Online Only - Ends 12/04 What Do You Need to Know About the Free Dinner A Movie Promotion This offer is available online only. Only one promo code is accepted per order. $125.00 is computed on the merchandise total after all other discounts are deducted but before tax shipping and handling and other surcharges are calculated. You'll receive your FREE standard shipping offer in your cart. Free standard shipping up to a maximum of $20.00 is computed on the merchandise total after all other discounts are deducted but before tax shipping and handling and other surcharges are calculated. Unused value will be null and void and cannot be applied to future orders. Offer does not apply to the following shipping options Parcel 2nd Day Next Day Ground Value Grocery Category To Home In Room White Glove. You thought that was good 2-3 Weeks after you place your order you will be issued via USPS a business reply card containing your Movie Ticket and Dining Dough PIN. Return the business reply card to redeem your movie tickets and $50.00 Dining Dough certificate. Movie Tickets Movie tickets will be mailed out for the selected theaters only after completed business reply card is received and processed. Please include a self-addressed stamped envelope to ensure accurate processing of your reward. All redemptions are final. Please fill out form completely. Incomplete forms will not be processed. Please allow 4-6 weeks to process. Redemption card must be postmarked by the expiration date on the front of the reward voucher to be eligible for this offer. The voucher may not be copied faxed or altered in any way. Must be 18 years old to redeem. Voucher has no cash value. Additional restrictions may apply.Movie tickets are valid for all movies and show times except for special events or private screenings. Recipient may choose from AMC Cinemark or Regal Movie Tickets. Surcharge fees apply to all IMAX Large Format or 3-D films.Movie tickets will not be replaced if lost or stolen are non-refundable and carry no expiration date. Movie tickets must be redeemed at the box office for the selected tickets. Dining Dough Dining Dough promotional certificates are issued by restaurant "RDC" and may be redeemed solely for merchandise offered through diningdough . Dining Dough promotional certificates have no cash value and may not be redeemed for cash at any time. Dining Dough promotional certificates are not valid for prior purchases. The products available through diningdough are subject to change without prior notice. Dining Dough Certificates will be mailed out only after completed business reply card is received and processed. Please include a self-addressed stamped envelope to ensure accurate processing of your reward. All redemptions are final. Please fill out form completely. Incomplete forms will not be processed. Please allow 4-6 weeks to process. Redemption card must be postmarked by the expiration date on the front of the reward voucher to be eligible for this offer. The voucher may not be copied faxed or altered in any way. Must be 18 years old to redeem. Voucher has no cash value. Additional restrictions may apply.RDC restaurant specific certificates come primarily in $25 denominations. Only one 1 restaurant specific certificate may be used per restaurant visit. Upon redemption of a Dining Dough promotional certificate for a restaurant certificate all rules and limitations of the participating restaurant which may include minimum purchase requirements apply. RDC and meijer do not guarantee that a particular merchant will be available at all times. RDC and meijer are not responsible for restaurants that go out of business or change their location s . The restaurant locations listed at this site are listed as a guide only and RDC and meijer do not guarantee the accuracy of this information. RDC and meijer do not assume responsibility or liability for the actions product or content of any restaurant. RDC and meijer are not responsible for lost or stolen Dining Dough promotional certificates or reference numbers.RDC does not guarantee that a particular merchant will be available at all times. RDC is not responsible for restaurants that go out of business or change their location s . The restaurant locations listed at this site are listed as a guide only and RDC does not guarantee the accuracy of this information. RDC does not assume responsibility or liability for the actions product or content of any restaurant. RDC is not responsible for lost or stolen Dining Dough promotional certificates or reference numbers.Other Stuff Offer does not apply to previous orders gift cards e-gift cards prepaid gift cards gaming cards meijer Extended Protection or the following shipping options Parcel 2nd Day Next Day To Home In Room White Glove or any delivery to Hawaii or Alaska. meijer reserves the right to limit quantities including after you have submitted your order . Special pricing or offers are good only while supplies last. Please see our Terms and Conditions for complete details. Offer does not apply to in store purchases or orders made on partner business sites. Offer expires 12/04/10 at 11 59 PM Eastern 10 59 PM Central 9 59 PM Mountain 8 59 PM Pacific. LINKY MEIJER - Spend $125 Receive Free Dinner a Movie for two + Free Shipping What Do You Need to Know About the Free Dinner A Movie Promotion This offer is available online only. Only one promo code is accepted per order. $125.00 is computed on the merchandise total after all other discounts are deducted but before tax shipping and handling and other surcharges are calculated. You'll receive your FREE standard shipping offer in your cart. Free standard shipping up to a maximum of $20.00 is computed on the merchandise total after all other discounts are deducted but before tax shipping and handling and other surcharges are calculated. Unused value will be null and void and cannot be applied to future orders. Offer does not apply to the following shipping options Parcel 2nd Day Next Day Ground Value Grocery Category To Home In Room White Glove. You thought that was good 2-3 Weeks after you place your order you will be issued via USPS a business reply card containing your Movie Ticket and Dining Dough PIN. Return the business reply card to redeem your movie tickets and $50.00 Dining Dough certificate. Movie Tickets Movie tickets will be mailed out for the selected theaters only after completed business reply card is received and processed. Please include a self-addressed stamped envelope to ensure accurate processing of your reward. All redemptions are final. Please fill out form completely. Incomplete forms will not be processed. Please allow 4-6 weeks to process. Redemption card must be postmarked by the expiration date on the front of the reward voucher to be eligible for this offer. The voucher may not be copied faxed or altered in any way. Must be 18 years old to redeem. Voucher has no cash value. Additional restrictions may apply.Movie tickets are valid for all movies and show times except for special events or private screenings. Recipient may choose from AMC Cinemark or Regal Movie Tickets. Surcharge fees apply to all IMAX Large Format or 3-D films.Movie tickets will not be replaced if lost or stolen are non-refundable and carry no expiration date. Movie tickets must be redeemed at the box office for the selected tickets. Dining Dough Dining Dough promotional certificates are issued by restaurant "RDC" and may be redeemed solely for merchandise offered through diningdough . Dining Dough promotional certificates have no cash value and may not be redeemed for cash at any time. Dining Dough promotional certificates are not valid for prior purchases. The products available through diningdough are subject to change without prior notice. Dining Dough Certificates will be mailed out only after completed business reply card is received and processed. Please include a self-addressed stamped envelope to ensure accurate processing of your reward. All redemptions are final. Please fill out form completely. Incomplete forms will not be processed. Please allow 4-6 weeks to process. Redemption card must be postmarked by the expiration date on the front of the reward voucher to be eligible for this offer. The voucher may not be copied faxed or altered in any way. Must be 18 years old to redeem. Voucher has no cash value. Additional restrictions may apply.RDC restaurant specific certificates come primarily in $25 denominations. Only one 1 restaurant specific certificate may be used per restaurant visit. Upon redemption of a Dining Dough promotional certificate for a restaurant certificate all rules and limitations of the participating restaurant which may include minimum purchase requirements apply. RDC and meijer do not guarantee that a particular merchant will be available at all times. RDC and meijer are not responsible for restaurants that go out of business or change their location s . The restaurant locations listed at this site are listed as a guide only and RDC and meijer do not guarantee the accuracy of this information. RDC and meijer do not assume responsibility or liability for the actions product or content of any restaurant. RDC and meijer are not responsible for lost or stolen Dining Dough promotional certificates or reference numbers.RDC does not guarantee that a particular merchant will be available at all times. RDC is not responsible for restaurants that go out of business or change their location s . The restaurant locations listed at this site are listed as a guide only and RDC does not guarantee the accuracy of this information. RDC does not assume responsibility or liability for the actions product or content of any restaurant. RDC is not responsible for lost or stolen Dining Dough promotional certificates or reference numbers.Other Stuff Offer does not apply to previous orders gift cards e-gift cards prepaid gift cards gaming cards meijer Extended Protection or the following shipping options Parcel 2nd Day Next Day To Home In Room White Glove or any delivery to Hawaii or Alaska. meijer reserves the right to limit quantities including after you have submitted your order . Special pricing or offers are good only while supplies last. Please see our Terms and Conditions for complete details. Offer does not apply to in store purchases or orders made on partner business sites. Offer expires 12/04/10 at 11 59 PM Eastern 10 59 PM Central 9 59 PM Mountain 8 59 PM Pacific. LINKY WD Caviar Blue 500 GB Internal SATA HD - 300 MBps - 7200 rpm for $28.79AC/FC+$2.68 shipping @TigerDirect HD LinkNormally $39.99 Now $29.99 After Coupon Code at Checkout Enter COUPON CODE TBZ13837 at checkout. Shipping adds $2.68 FatCash subtracts $1.20 4% FatCash also available Merchant TigerDirect Details Conditions Cash Back Sale ends 12/31/10. Cash Back not available from Cellstores aka Tiger Wireless Cash Back is not available on purchases where you click away from our store after clicking on an eligible link your browser is not configured to accept cookies the order is later cancelled or the goods or services are later returned the goods or services are acquired for resale or other business purposes. Gift Card Details Cash Back available on redemption not purchase of gift cards/certificates. Up to 25% off Merchant Gift Cards Up to 25% off @ GiftCards As of this posting there were six gift cards remaining for The Childrens Place in denominations from $60 to $192 all discounted about 12%. Savings on 1-800-Flowers gift certificates is 20%. This Deal Has Expired $5 OFF $5+ AT Hallmark Gold Crown Stores GOOD FOR ALL-no sign up required valid 12/3-5 http //images.revtrax /RevTrax/couponPrePrint.jsp viewType=vi... Hallmark $5 off $5 coupon I know this has an affiliate id in the URL but it's the only way to get the discount. It is not my affiliate id but rather the one needed to get the coupon.$5 couponThis could come in handy for holiday cards. Free Custom Greeting Card w/Prepaid Gift Card Up to 25% Off Merchant Gift Cards Up to 3.5% Cash Back at GiftCards 0 Posted By FatWallette Views 101 Replies 0 GiftCards sells Visa Gift Cards with Create A Card capabilities for you to create your own customized Visa Gift Card. Choose your Visa Gift Card's personality by selecting a background from our design gallery or build a card from scratch by uploading a personal photo. GiftCards sells merchant gift cards to your favorite retailers and restaurants. We also service large corporate clients for their corporate incentives and rewards programs. The GiftCards Visa Gift Card is issued by First Gulf Bank N.A. pursuant to license from Visa U.S.A. Inc Up to 3.5% Cash Back Available Special Offers from GiftCards Free Custom Greeting Card with the purchase of any Prepaid Gift Card use coupon GREETING2010 Up to 25% off Merchant Gift Cards Personalized Photo Gift Cards Free Shipping on discounted Gift Cards GiftCards Coupons Cash Back Up to 3.5% FatWallet Cash Back Available 1.5% Cash Back available on Visa Card purchases.3.5% Cash Back available on all other gift card purchases.3.5% Cash Back available on gift cards sold to GiftCards . Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Hallmark $5 off $5 coupon I know this has an affiliate id in the URL but it's the only way to get the discount. It is not my affiliate id but rather the one needed to get the coupon.$5 couponThis could come in handy for holiday cards. Dell Home 12 Days of Deals New Daily Deals Free Shipping + Get Up to 4.0% Cash Back 0 Posted By FatWallette Views 247 Replies 0 12 Days of Deals - New Daily Deal and Free Shipping on Systems More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on AlienwareTransactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email $179 Off Zino HD - $349.99 Get Up to 4.0% Cash Back 0 Posted By FatWallette Views 44 Replies 0 $179 Off Zino with Blu-Ray 3GB memory 500GB hard drive - $349.99 and Free Shipping limited quantity More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on AlienwareTransactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Dell Small Business Dell Vostro V130 from $429 + Get 2.75% Cash Back -1 Posted By FatWallette Views 307 Replies 1 New Vostro V130 Laptop from $429 Incredibly slim and light the Vostro V130 packs the full-featured performance you need into a durable striking laptop that's ready for the road. Ultra-Thin Light As thin as 0.75" 16.5mm and weight only about 3.5lb 1.6kg Solid all around Cased in anodized aluminum with zinc reinforced hinges and magnesium-alloy palm rest Vostro V130 is built for life on the road. Premium laptop design without a premium price tag available in luxurious Lucerne Red or Aberdeen Silver Improved Performance From everyday computing to HD video playback experience enhanced performance with the latest Intel Core ultra-low-voltage processors and 4GB of DDR3 SDRAM memory. Out-of-the-box Productivity Two USB 2.0 ports a shared USB/eSATA port Bluetooth 3.0 HS plus HDMI VGA options just connect and you are ready to work. On-the-go productivity Use fast 802.11n wireless technology a user-accessible SIM card for mobile broadband or optional 4G network through Wimax U.S. only to stay connected. A full PC experience Work comfortably with a full size keyboard and a generous anti-glare 13.3" WLED screen Simplified Data Backup Solution Your V130 comes equipped with Dell Backup and Recovery Manager to keep your business data safe. Choose optional Dell DataSafe online for automated full-service protection. Dedicated Support Dell's specially trained small-business technicians offer 24x7 IT support with optional Dell ProSupport services for additional coverage. Reliable Data Protection Choose optional solid-state drive SSD for fast reliable data storage or standard free-fall sensor to protect your hard drive against system drops. Do More. Carry Less. Do more. Carry less.The VostroV130 has the productivity-empowering features to help you tackle big tasks wherever work takes you. Multitasking with ease Run Windows 7 effortlessly while performing everyday tasks even faster with up to Intel Core i5 ULV processors and 4GB of DDR3 SDRAM memory Work faster without wires From office to airport stay connected anywhere using fast 802.11n wireless technology a user-accessible SIM card or optional 4G network through WiMax U.S. only Keep up with your clients Give clients friends or family a little more face time using the built-in 2.0 MP webcam with your favorite video-chat program. Back it up or add it on Use the two USB 2.0 ports shared USB/eSATAport or high speed Bluetooth 3.0 to add devices or back up data seamlessly. Travel Lightly and Make a Big Impression Travel lightly and make a big impression.Your laptop is as much a part of your identity as your logo. With VostroV130 you get premium looks that show you mean business and a lightweight full-featured design that lets you get right down to work. Ultra-light with big capabilities With V130 you get all the full-sized laptop features in an incredibly thin and light design starting at just 3.5 lbs/1.6kg 1 that's made to travel in style. Why settle for plastic With its anodized-aluminum case zinc hinges and magnesium-alloy palmrest VostroV130 blends head-turning looks with the durability you need for life on the road. A full laptop experience Discover the comfort of typing on VostroV130s full-sized keyboard and enjoy vivid images on the 13.3" WLED display. More Offers from Dell Small Business 2.75% FatWallet Cash Back Available Terms ConditionsCash Back Sale ends 12/31/10.Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.Cash Back not valid on orders made over the phone premier pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@Dell Exchange Donation@Dell Exchange Dell Host Employee Purchase Programs Dell Home Dell Home Outlet Public or Corporate Accounts Partner Direct VAR Reseller and Relationship Division purchasesAny order changes or contact with the Dell call center will likely cancel Cash Back.The use of Dell Small Business e-mail coupon codes MAY cancel Cash Back.If you leave the Dell Small Business site you may not be eligible for Cash Back.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Ending Tonight 20% Off Laptops Desktops $225-$325 Up + 2% Cash Back at Dell Refurbished Computers 0 Posted By FatWallette Views 232 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 20% off Desktops $225 and up use coupon Desktop225 up20 20% off Laptops $325 and up use coupon Laptop325 up20 25% off D531 Laptop use coupon D531Laptop#25 Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Fantom GreenDrive Pro 2TB eSATA and USB 2.0 External Hard Drive - 2 Year Warranty $89.99 ar / shipped @ buy Fantom GreenDrive Pro 2TB eSATA and USB 2.0 External Hard Drive - 2 Year Warranty - GDP2000EU $10 Mail in Rebate Purchase this Fantom Hard Drive from Buy and Receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/29/2010 to 12/5/2010 Target REDcard an overlooked deal As many others here I'm on a never-ending quest to maximize credit card Cash Back offerings either on liberal cards like AMEX Blue Cash or through the increasingly popular "rotating category" cards that we all seem to have.Since hearing about the Target REDcard on CNBC earlier in the summer I looked forward to grabbing one when they became available. Well that day arrived in October where I discovered that you needed to apply in-store or mail in an application which I wasn't planning on doing . I finally paid a visit to a Target yesterday and applied at the service desk for a credit card they offer both debit and credit which makes me wonder the type of clientele that they're looking to attract with a debit card .Anyway the net result is a store-branded CC that provides a flat instant 5% discount on your purchase. Payment terms are reasonable 25 day grace period etc. For a non-club-style "wholesale" merchant I'm surprised that the cards have not been mentioned here before.As I see it PROS- 5% back on everything including sale and clearance items credited *instantly* at the POS - Sales tax properly calculated on the discounted purchase price - Good for in-store and online the debit card is in-store only - Liberal 25 day grace period - Issued by Target National Bank a Quicken aggregator unlike so many other store branded cards CONS- Loss of any purchase protection/warranty extension offered on major credit card purchases - Discount not applicable on gift cards/prepaid cards I presume they mean wireless XBox point cards etc. but I'm not sure - Horrible interest rates. Make sure you pay your bill in full each month Anyway given that "superstore" purchases are excluded from the better CB percentages offered by AMEX and the merchant categorization of Target never seems to appear in the rotating categories of Citi/Chase/Discover this card seems to fill that void... Dell Small Business $110 Off Gray NOKIA E71 Unlocked Smartphone - $179.99 + Get 2.75% Cash Back 0 Posted By FatWallette Views 9 Replies 0 $110 off Gray NOKIA E71 Unlocked Smartphone - $179.99 Expire 12/6/10 @ 6 00 am CT. More Offers from Dell Small Business 2.75% FatWallet Cash Back Available Terms ConditionsCash Back Sale ends 12/31/10.Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.Cash Back not valid on orders made over the phone premier pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@Dell Exchange Donation@Dell Exchange Dell Host Employee Purchase Programs Dell Home Dell Home Outlet Public or Corporate Accounts Partner Direct VAR Reseller and Relationship Division purchasesAny order changes or contact with the Dell call center will likely cancel Cash Back.The use of Dell Small Business e-mail coupon codes MAY cancel Cash Back.If you leave the Dell Small Business site you may not be eligible for Cash Back.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Buy an XBOX 360 4GB $199 at Buy and get Free 12 month Gold Card +FS FREE Xbox Live 12-Month Gold Card with Purchase For a limited time buy the Xbox 4GB System 216907636 and get a FREE 12-Month Xbox Live Card 211086907 . To take advantage of this offer simply add both items to your shopping cart. Discount will be automatically applied to your cart when eligibility has been met. While Supplies Last. Not valid with any other offer or coupon. Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/29/2010 to 11/30/2010LinkyDon't forget 4% with FW Cash Back... 25% Off 1 Item at Dell Refurbished Computers Today Only + 2% Cash Back 0 Posted By FatWallette Views 197 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 25% off Any One Item use coupon Cyber#Monday25DFS Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Gucci Luxury Cashmere/Wool Blanket for $75 or less at DSW Ripped this from SD but thought this was worth sharing.There is a very nice Gucci wool/cashmere blanket for sale at DSW . Makes for a great xmas gift for mom lady friend etc. Their return policy seems pretty lenient. I picked up 2 of these. For anyone who has never owned a luxury Gucci product you'll be pleasantly surprised by the quality.Price $99.95 - 25% OFF with code CYBER25 = ~$75 Reg. $199.95 their site says Compare at $950.00 Link for blanket in black hereLink for blanket in brown hereSave more with up to 10% Cash Back. Credit to cashreporter .Big Crumbs 6.4% CashBaq 5.0% Eb*tes 4.0% ExtraBux 6.0% FatWallet 4.0% Lootzi 5.0% lt One of my new favorite Cash Back sites Mr Rebates 8.0% ShopAtHome 8.0% ShopDiscover 10.0% American Express is extending the offer to give $25 back to Cardmembers who register use their card at a small busines LINKTo be eligible for this offer you must register your eligible American Express Card between November 8 2010 and December 31 2010. You may only register one Card for this offer. Using your registered American Express Card you must spend $25 or more at one or more participating small business merchants between 11/27/2010 and 12/31/2010 to receive the $25 statement credit.Eligible merchants include any independently owned small businesses that accept the American Express Card. Purchases made online at large national chains at franchised business locations and at government agencies are not eligible. Prepaid and corporate cards and ExpressPay transactions are not eligible.If your Card is replaced during the promotional period please call the customer service number on the back of your Card for assistance. Registration is limited to the first 300 000 enrollees. Limit one statement credit per Cardmember. Statement credits are generally issued within 5 business days after your qualifying purchase but may take up to 2 billing cycles to post to your account. Additional terms apply see Registration Terms and Conditions for details. American Express is extending the offer to give $25 back to Cardmembers who register use their card at a small busines LINKTo be eligible for this offer you must register your eligible American Express Card between November 8 2010 and December 31 2010. You may only register one Card for this offer. Using your registered American Express Card you must spend $25 or more at one or more participating small business merchants between 11/27/2010 and 12/31/2010 to receive the $25 statement credit.Eligible merchants include any independently owned small businesses that accept the American Express Card. Purchases made online at large national chains at franchised business locations and at government agencies are not eligible. Prepaid and corporate cards and ExpressPay transactions are not eligible.If your Card is replaced during the promotional period please call the customer service number on the back of your Card for assistance. Registration is limited to the first 300 000 enrollees. Limit one statement credit per Cardmember. Statement credits are generally issued within 5 business days after your qualifying purchase but may take up to 2 billing cycles to post to your account. Additional terms apply see Registration Terms and Conditions for details. Amazon Cyber Monday sale on shoes accessories is taking place NOW Cyber Monday event has started already25% off $75 orders 30% off $150 orders. To receive the promotional discount Add all products described in the promotional offer message to your Shopping Cart one of two ways a. Via the Add both to Cart button in the promotion description OR b. Via the Add to Shopping Cart button on each respective product information page.Save 25% when you spend at least $74 and less than $149 on any combination of qualifying styles Save 30% when you spend $149 or more on any combination of qualifying styles The following brands are not eligible for this promotion Adidas select styles ASICS select styles Brooks Callaway Cole Haan Dansko Ecco Frye keen Marc by Marc Jacobs Mephisto Michael Michael Kors Mizuno Running New Balance select styles Prince Red Wing Reebok select styles Saucony To Boot New York Tumi Wilson.The amount of the savings will be reflected on the final order checkout page and will be allocated proportionally to all participating items in the Shopping Cart. If you remove any of the participating promotion items from your Shopping Cart or violate any of the terms and conditions listed below the promotion will be invalid and the discount will be removed from the order. If you return any of the items involved in the promotion the discount previously applied to the order will be subtracted from the return credit.Terms and Conditions Promotional offer valid for a limited time only. Items placed in Shopping Cart overnight may not be eligible for promotion at time of checkout. Promotion applies only to qualifying items displaying the offer message on their product information pages. Items that do not display the offer message do not qualify regardless of the nature of the item. Applies only to products sold by the merchant indicated in the promotional offer message. Does not apply to items sold by other merchants. Does not apply to any products purchased on any other website operated by the merchant. Applies only when all qualifying and benefit products in the promotion are purchased in one order. Applies only to complete orders shipping to a single address that meet all other promotional requirements. Offer good while supplies last. No substitutions or rain checks. Offer must be redeemed through the Shopping Cart. Does not apply to orders placed with 1-Click. Shipping and handling charges apply to all products. Offer may not be combined with other offers. Void where prohibited. $10 easy rebate lmt 2 on purchase of Select Gift Cards totaling $100 or more at Staples B M exp 12/11 $10 Visa R Prepaid Card or Check on purchase of Select Gift Cards totaling $100 or more at Staples Stores Only from 11-28-2010 through 12-11-2010 This looks like an unadvertised promotion I found on stapleseasyrebates . Go to https // stapleseasyrebates and search for rebate offer number 10-40046.Limit is 2 per household.Purchase must be made between 11/28/10 and 12/11/10. Requests MUST be submitted online or postmarked within 60 days from date of purchase. To submit online go to stapleseasyrebates and follow the instructions. To mail rebate Staples STORE PURCHASE Send ONLY the completed ORIGINAL rebate redemption form printed from the cash register the ORIGINAL submission form printed from stapleseasyrebates or the ORIGINAL PDF submission form provided by a Staples store. Offer valid in U.S. only. Good for actual purchases by end users excludes resellers and distributors of products and their families. You should receive your rebate within 6-8 weeks after claim is received. All rebates will be issued in US dollars in the form of a Visa R prepaid card Check or Staples Gift Card. We are not responsible for lost or misdirected mail and illegible entries. Staples logo and product names are trademarks of Staples and their respective companies. Limit 2 rebates per name/address/household. For questions about your rebate call 1-877-266-6483. Fraudulent submissions could result in federal prosecution under the U.S. Mail Fraud Statutes 18 USC Section 1341 1342 . Keep a copy of your documents for future reference. The VISA PREPAID CARD is not redeemable for cash and may not be used for cash withdrawal at any cash-dispensing location. Each time you use the card the amount of the transaction will be deducted from the amount of your available balance. Additional Terms and Conditions apply to the card. Please refer to the Cardholder Agreement insert provided with your prepaid card. Subject to applicable law a monthly maintenance fee of $3 USD applies but is waived for the first six months after the card is issued. No additional fees will be assessed once the card balance reaches zero. Your card is issued by J.P. Morgan Chase Bank N.A. or MetaBank pursuant to a license from Visa U.S.A. Inc. Cards can be used at any merchants that accept Visa debit cards. Staples reserves the right to substitute a check of equal value in lieu of a Visa prepaid card at its discretion. Staples GIFT CARDS are redeemable only for future purchases at Staples U.S. stores. For balance or if you have questions about your Staples Gift Card call 1-888-609-6963 or visit Staples /giftcards. Value can be added to this card at any Staples U.S. retail store. See Staples Gift Card for complete terms and conditions. Got a credit card charge back... now what Got a credit card credit to my account for due reason and without too much grief. But now what can the merchant take it to collections or sue me or am I clear without responsibility Should I take it through small claims just to be assured it's not going to haunt me as responsible to pay I'd easily win there too but only a judgment that wouldn't be collected. Amazon - LG 32LE5400 32-Inch 1080p 120 Hz LED LCD HDTV Black with Internet Applications Amazon merchant has LG 32LE5400 32-Inch 1080p 120 Hz LED LCD HDTV Black with Internet Applications on sale at $729 and NO Tax - Go to http // amazon /gp/product/B0039RWATKand click on more buying choices. Black Wii + GoldenEye w/Gold Controller for $199.99 FSSS @ Amazon The Black Wii is the one that has the newer Wii Remote Plus Motion Plus is integrated rather than an add-on block. Also has Wii Sports and Wii Sports Resorts. LinkazonGoldenEye game w/controller is a $69.99 value. So if this was factored into the $199.99 cost it would be like the wii was $130. "FlingSmash with Wii Remote Plus - Black" is currently $39.00 +4.99S H if a second Wiimote is needed. Not as good as the Lightning Deal for $29.99 yesterday "Wii Fit Plus with Balance Board" is $79.96 + FSSSSo for $323.94 You can get A Black Wii Console Hardware 2 Wiimote Pluses Hardware 1 Nunchuck Hardware 1 Golden Classic Controller Hardware A Balance Board Hardware Wii Sports Game Wii Sports Resort Game Goldeneye 007 Game FlingSmash Game Wii Fit Plus Game At Meritline Black Nunchuck Controller for $6.99 free shipping. Wii AV Component Cable for $7.99 free shipping They also have classic controllers or you can go to Ross or GameStop and get them locally.May as well get the two racing wheels for whenever you get Mario Kart Text $1.99 From the Deal Link Buy a Black Wii Get James Bond 007 GoldenEye with Gold Wii Controller For a limited time on Saturday November 27th buy the Black Wii Hardware Bundle and receive the new hit Wii game James Bond 007 GoldenEye with Gold Wii Classic Controller Pro. To qualify add the Wii Hardware Bundle and GoldenEye with Gold Wii Classic Controller Pro listed below into your cart and checkout. The discount will be reflected during checkout.Offer good while supplies last. Eligible products must be sold and shipped by Amazon . All qualifying items must be added to cart and purchased in the same order. Shipping fees and taxes may apply. Amazon reserves the right to terminate or modify this promotion at any time. *See full terms and conditions below. Terms and Conditions To Receive the Promotion 1. Add the Wii Hardware Bundle and the James Bond 007 GoldenEye with Gold Classic Controller Pro game referenced above to your Shopping Cart via the "Add to Shopping Cart" button on the product information page. 2. When you're finished shopping on our site click the "Proceed to checkout" button in the Shopping Cart. Your shopping cart must include both qualifying items during the checkout process to qualify for this promotion. Additional conditions are listed below. 3. On the final checkout page we will discount the lowest-priced item. A promotion credit for the amount of the lowest-priced item will appear in the upper right corner of your Order Summary during the checkout process.Terms and Conditions The promotion is limited to one per customer. Promotional offer valid for a limited time only. Amazon reserves the right to cancel it at any time. Items placed in Shopping Cart overnight may not be eligible for promotion at time of checkout. Promotional offer applies only to qualifying items displaying the offer message on their product detail pages. Items that do not display the offer message do not qualify regardless of the nature of the items. Applies only to products sold and shipped by Amazon . Does not apply to items sold by other merchants on the Amazon Web site. For example where the promotional offer applies to items offered by Amazon items offered by other merchants on the Amazon Web site e.g. Target etc. do not qualify. Does not apply to any products purchased in Amazon 's other sites including Amazon.co.uk Amazon.de Amazon.fr or Amazon.co.jp or in Marketplace. Applies only when all qualifying and free products in the promotion are purchased in one order. Applies only to complete orders shipping to a single address that meet all other promotional requirements. Offer good while supplies last. No substitutions or rain checks. Shipping and handling charges apply to all products including bonus items. Offer may not be combined with other offers including promotional certificates. Void where prohibited. Does not apply to orders placed with 1-Click. The offer may not be combined with other offers. Dell Home Doorbuster Zino w/ Blu-ray 3GB Memory 500GB Hard Drive - $369.99 Shipped + Up to 4.0% Cash Back 3 Posted By FatWallette Views 2415 Replies 4 Zino with Blu-Ray 3GB memory 500GB hard drive - $369.99 and Free Shipping Black Friday Sale More Offers from Dell Home Systems Up to 4.0% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 notebooks tablet PCs GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors4.0% on AlienwareTransactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Fantom G-Force 1 TB - Hard Drive - GF1000EU $44.99 ar / via GOOGLE C/O promo $5 off $30 / shipped @ buy Fantom G-Force 1 TB - Hard Drive - GF1000EU$20 Mail in Rebate Purchase this Fantom Hard Drive from Buy receive a $20 Mail in Rebate Limit ONE rebate per offer per person household family or address. Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/26/2010 to 12/2/2010 $10 Off Select Melissa Doug When U Spend $40 @ Amazon free ship For a limited time get $10 off select Melissa Doug arts and crafts and construction toys when you spend $40. Discount will be applied at checkout see note* . Discounts only apply to items sold by Amazon . Does not apply to products sold by third-party merchants and other sellers through the Amazon site. Also for an even greater value take advantage of FREE Super Saver on Orders $25 and Over.Your choice of select Melissa DougNote* To qualify Add all products described in the promotional offer message to your Shopping Cart one of two ways a. Via the Add both to Cart button in the promotion description OR b. Via the Add to Shopping Cart button on each respective product information page. The benefit for this promotion will not be reflected on the final order checkout page. The merchant will apply any benefit after your order has been processed If you remove any of the participating promotional items from your Shopping Cart or violate any of the terms and conditions listed below your order will no longer qualify for the promotion. If you return any of the items involved in the promotion the merchant will remove the benefit. Dell Home Doorbuster Zino w/ Blu-ray 3GB Memory 500GB Hard Drive - $369.99 Shipped + Up to 5.33% Cash Back 0 Posted By FatWallette Views 89 Replies 0 Zino with Blu-Ray 3GB memory 500GB hard drive - $369.99 and Free Shipping Black Friday Sale More Offers from Dell Home Systems Up to 5.33% FatWallet Cash Back Available Terms Conditions1.0% on Inspiron 1545 Inspiron 1440 Inspiron 910 GPS Phones TVs TV accessories Non Dell branded monitors Non Dell branded ink Non Dell branded accessories Dell branded ink Digital cameras Digital camcorders Home Theater Networking Modems Storage Gaming Software MP3 Dell printers All Dell branded accessories Bags Cases Backpacks Warranties Software Keyboard Mouse bundles Lenses and Outlet2.67% on most Inspiron laptops desktops XPS laptops desktops Studio laptops desktops Studio XPS laptops desktops Adamo Dell monitors5.33% on AlienwareTransactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.American Express Gift Card Rewards are considered to be a coupon and cash back will be paid less the coupon amount.Cash Back not valid on locked phones or phones purchased with a provider orders made over the phone premiere pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@DellExchange Donation@DellExchange Dell Host Employee Purchase Programs Education Purchase Programs USA Federal Member Purchase Programs Dell Small Business Dell Small Business Outlet Public or Corporate Accounts.Any order changes or contact with the Dell call center will likely cancel Cash Back.If you leave the Dell Home site you may not be eligible for Cash BackCash Back not available on sales of products and services believed to be sold to parties reselling products and/or services offered by Dell. Dell defines high volume as more than 3 units per month of any system.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email Hershey park Christmas Candylane $2 off 1 day admission reg price 10.95 per person over 3https //tickets.hersheypa /WebStore/shop/ViewItems.aspx Merchant=HP CategoryGroupExternalID=HPTKTS CategoryExternalID=CCLsorry I cant make a link from my phone.enter promo code 200103parking is $7 but if you get there early enough you can park at the ajecent chocolate world for free. Photoshop Elements 9 $38.71 AR FS at B H Photo until 11/29 B H Photo is selling Photoshop Elements version 9 for $58.71 with free shipping and a $20.00 Adobe rebate coupon in the box. The rebate is available for most merchants but most are selling the software for $69.99 or more. This item was out of stock at B H this morning but is now back in stock for how long with the offer good through 11/29/10. The rebate is good for purchases through 12/30 but must be postmarked within 6 weeks of purchase. If you miss this one it is also currently selling on Amazon for $65 before the rebate.B H Link Logitech M505 Mouse - Laser Wireless - Black - 910-001321 $14.99 ar / shipped @ buy Logitech M505 Mouse - Laser Wireless - Black$10 Mail-in Rebate Purchase this Logitech product from Buy receive a $10 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/21/2010 to 11/27/2010 30% Off Any Item Black Friday Sale at Dell Refurbished Computers + 2% Cash Back -2 Posted By FatWallette Views 379 Replies 0 We offer a full line of refurbished Dell computers. Our product is typically one to three years old majority stocked with the Latitude Optiplex and Precision brand products. Dimension Inspirion Vostro and XPS products are also available. Each premium grade refurbished system comes with 30-Day Customer Satisfaction Return Policy 100-day limited warranty and free trial software. Also available for sale are Dell Monitors Printers and Projectors Free trial software not included . Sales tax is applied to those orders with a Texas ship-to-address. 2.0% Cash Back Available Special Offers from Dell Refurbished Computers 30% off Any Item use coupon Black#30#FridayDFS Dell Refurbished Computers Coupons Cash Back 2.0% FatWallet Cash Back Available Transactions with this merchant are payable 120 days after order is fulfilled. Cash Back is not reported until the entire order is fulfilled. Cash Back not valid on orders made over the phone orders placed through a non-U.S. site Dell Home Dell Home Outlet Dell Small Business Dell Small Business Outlet Dell Auction reselling products or services. Any order changes or contact with the Dell call center will likely cancel Cash Back. If you leave the dfsdirectsales site aka Dell Refurbished Computers you may not be eligible for Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email VISA Signature and Amazon - JVC Picsio GC-WP10 $109.99 OR Flip UltraHD 8 GB Video Camera $131 Visa Signature Cardholders can get one of the above prices or 4 other deals by getting a promo code from this link.Then click thru and use it at Amazon. The code is valid until midnight the next day. There will be 6 products featured each day with new products rotating in daily. Only 1 code per day so don't get a code until you are sure that is the deal you want that day.1. Halo Reach - $39.99 - $15 = $24.99 - SOLD OUT. 2. JVC Picsio GC-WP10 - $149.99 - $40 = $109.99. 3. Flip UltraHD 8 GB Video Camera = $171 - $40 = $131. 4. Beauty and the Beast 3 disc Blu-ray/DVD combo = $22.99 - $10 = $12.99. 5. Kodak EasyShare C182 - $15 off. However when I clicked the link Amazon did not have any in stock so I'm not sure how that will work if Amazon isn't the merchant. 6. Apples to Apples Party Box - $18.99 - $10 = $8.99.Codes obtainable until 9 pm pst and apparently are limited since Halo Reach sold out. New codes and new products should be available 9 am pst tomorrow. VISA Signature and Amazon - JVC Picsio GC-WP10 $109.99 OR Flip UltraHD Video Camera $131 Visa Signature Cardholders can get one of the above prices or 4 other deals by getting a promo code from this link.Then click thru and use it at Amazon. The code is valid until midnight the next day. There will be 6 products featured each day with new products rotating in daily. Only 1 code per day so don't get a code until you are sure that is the deal you want that day.1. Halo Reach - $39.99 - $15 = $24.99 - SOLD OUT. 2. JVC Picsio GC-WP10 - $149.99 - $40 = $109.99. 3. Flip UltraHD Video Camera = $171 - $40 = $131. 4. Beauty and the Beast 3 disc Blu-ray/DVD combo = $22.99 - $10 = $12.99. 5. Kodak EasyShare C182 - $15 off. However when I clicked the link Amazon did not have any in stock so I'm not sure how that will work if Amazon isn't the merchant. 6. Apples to Apples Party Box - $18.99 - $10 = $8.99.Codes obtainable until 9 pm pst and apparently are limited since Halo Reach sold out. New codes and new products should be available 9 am pst tomorrow. LIVE Newegg Black Friday ACER Aspire Intel Atom 1.6Ghz 2GB-Ram 2TB x1 4 Bay Hotswap Windows Home Server $293.99 w/FWCB LIVE Newegg Black Friday ACER Aspire Easystore Intel Atom 1.6Ghz 2GB-Ram 2TB x1 4 Bay Hotswap Windows Home Server $293.99 w/FWCBThis is $450 in other merchant including Amazon TigerDirect etc.Acer 2TB Home Server Math 299.99 - $6 Fatwallet 2% Cash Back = $293.99 + Free shipping.Now I am dropping my decision to get a NAS with this deal. Master Thread of Black Friday 2010 Ad Rumors Store Hours Here is a non-comprehensive list of stores hours and BF ad rumors in the quick summary that can be continually updated as more information becomes known Note Store hours may vary depending upon region . Please feel free to update the quick summary with any new information not listed. Note These are unofficial reported store hours as found publicly online. Check out the new Black Friday Tool which allows you to filter deals by merchant category brand etc... Also check out my Best of Black Friday Deals section where I had selected some of this years hottest deals. FatWallet Deal Hunter staff posts are certified ad-free. No money bribes or candy have been accepted. 3% back on purchases made with Checkout by Amazon when you use your Chase Amazon CC Just received this email Dear FWer As a valued Cardmember we would like to thank you for your business and provide you with an exciting opportunity to earn bonus points this holiday season. From November 15 through December 31 you can earn 3 points for every $1 you spend when you pay with your Amazon Rewards Credit Card through Checkout by Amazon.1 What is Checkout by Amazon Checkout by Amazon is a feature available at many online merchants that offers the convenience of using information stored in your Amazon account to pay securely when checking out. Just look for the Checkout with Amazon button at your favorite sites Checkout by Amazon makes shopping simple No need to re-enter your Amazon Rewards Card account number Access shipping addresses in your Amazon account Shop confidently with the Amazon A-to-z Guarantee Click here to find out where you can earn 3 points using Checkout by Amazon and your Amazon Rewards Card. Don't forget this offer ends 12/31/2010.See more info here http // chaseonlinepages /cce/lp0039/ Up to $544 Off Select Poweredge Servers from Dell Small Business + Get 2.75% Cash Back 1 Posted By FatWallette Views 248 Replies 0 $306 Off Poweredge T110 - $329 $544 Off Poweredge T310 - $579 Offers expire 12/1/10 @ 11 55pm CT. More Offers from Dell Small Business 2.75% FatWallet Cash Back Available Terms ConditionsCash Back Sale ends 12/31/10.Transactions with this merchant are payable 120 days after order is fulfilled.Cash Back is not reported until the entire order is fulfilled.Gift Card Details Cash Back available on redemption not purchase of Dell gift cards.Cash Back not valid on orders made over the phone premier pages reselling products or services e-catalog purchases downloadable software orders placed through a non-U.S. site Auction@Dell Exchange Donation@Dell Exchange Dell Host Employee Purchase Programs Dell Home Dell Home Outlet Public or Corporate Accounts Partner Direct VAR Reseller and Relationship Division purchasesAny order changes or contact with the Dell call center will likely cancel Cash Back.The use of Dell Small Business e-mail coupon codes MAY cancel Cash Back.If you leave the Dell Small Business site you may not be eligible for Cash Back.Use of coupons without FatWallet's Cash Back designation can void Cash Back. Receive the Hot Deals and Offers Added Each Day by Email Subscribe to the FatWallet Daily Email netTalk BOGO Black Friday Deal 2 - Duo's 1 low price Got this Email today. I have this internet phone service and love it. Excellent sound quality. ONE DAY ONLY - BLACK FRIDAY DEAL This Friday November 26 2010BUY ONE DUO - GET ONE DUO - FREE http // nettalk / Link-o- RamaEnter coupon code BLACKFRIDUO at checkout. Offer available on Friday November 26 2010 only. Limited quantities available. Tax and shipping costs do not apply unless stated otherwise. No rainchecks. These limited time offers cannot be combined with any other coupons discounts or promotions. Offer is not valid on previous purchases. Gift Cards/Certificates purchased from a 3rd party Merchant do not apply unless stated otherwise. Offer may change without notice. Other exclusions may apply. Offer valid in US only. netTalk BOGO Black Friday Deal 2 - Duo's 1 low price Got this Email today. I have this service and love it. Excellent sound quality. ONE DAY ONLY - BLACK FRIDAY DEAL This Friday November 26 2010BUY ONE DUO GET ONE DUO FREE http // nettalk / Link-o- RamaEnter coupon code BLACKFRIDUO at checkout. Offer available on Friday November 26 2010 only. Limited quantities available. Tax and shipping costs do not apply unless stated otherwise. No rainchecks. These limited time offers cannot be combined with any other coupons discounts or promotions. Offer is not valid on previous purchases. Gift Cards/Certificates purchased from a 3rd party Merchant do not apply unless stated otherwise. Offer may change without notice. Other exclusions may apply. Offer valid in US only. Logitech Wireless Desktop MK320 Keyboard Mouse $19.99 ar / shipped @ buy Logitech Wireless Desktop MK320 Keyboard Mouse$7.50 Mail-in Rebate Purchase this Logitech product from Buy receive a $7.50 Mail in Rebate Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/21/2010 to 11/27/2010 Dolica DK-20 Medium Travel Camera Backpack $48.69 Amazon FS Link to AmazonSelling for $64.92 This item has an instant %25 off so total is $49 shipped. The 10 small and 30 large bags are also on sale as well... Front and side easy access Dual purpose single or double shoulder strap for comfort and quick access Upper compartment for additional storage Front tripod holder Customize format DK Series backpacks are light and fashionable. The backpack is designed with side and upper compartments for quick access and storage. The DK series backpacks are also ergonoomically designed with 3D mesh handles dual purpose single and doubleshoulder straps waist loop and front tripod holder. Save 25% Instantly For a limited time purchase this product from Amazon and save an additional 25% instantly. Simply add the product to your Shopping Cart and we'll automatically apply the discount at checkout. Offer applies only to purchases of products sold by Amazon and does not apply to products sold by third-party merchants and other sellers through the Amazon site. Ovation Adamas Acoustic Electric 2080-NWT guitar $1 100 shipped HereUse "2080LESS300" for this price. Includes a $25 gift card.Street price is about $800-$1000 more. Very nice acoustic electric for the price.The merchant is also selling these on e.Bay claiming they bought all of the remaining units of this model. They're asking more on e.Bay but are accepting offers. Fantom GreenDrive 1 TB - Hard Drive - Retail - GD1000EU $54.99 ar / shipped @ buy Fantom GreenDrive 1 TB - Hard Drive - Retail - GD1000EU$20 Mail in Rebate Purchase this Fantom Hard Drive from Buy receive a $20 Mail in Rebate Limit ONE rebate per offer per person household family or address. Applies only to products sold by Buy . Does not apply to products sold on our site by third-party merchants through Buy Marketplace. Offer valid from 11/19/2010 to 11/25/2010 Electroluminescent Nightlight $2.05 Shipped from LimeLite ships from US Limelite which sells electroluminescent nightlights is offering a competitive product upgrade deal on their standard nightlight. All you have to do is fill out a form listing what other brand nightlight you currently own and what you don't like about it. You DON'T have to send the old one in unless you are ordering by mail.I just did this to upgrade an older EL nightlight and the Limelight one is much brighter and has a larger lit surface area. Like all EL nightlights these are cool to the touch and use $0.02 of electricity per year. Shipping was pretty fast too.Link to Competitive Upgrade Program at http // limelite /Merchant2/merchant.mvc Screen=PROD Store... note despite the picture $2.05 gets you only one nightlight . 28 Issues of SPORTS ILLUSTRATED 6 mos for $10 ac/FW Cash Back http // magazines /product/sports-illustrated siteID=Jo0p%... 1. Be sure to start at the Fat Wallet Cash Back link above in Quick Summary to ensure 33% Cash Back on this order 2. Add 28 issues of Sports Illustrated price shown $20 3. Enter coupon code MPS5 to take $5 off instantly net $154. get 33% back or $5 in FW Cash Back from this merchant on $15 coupon code does NOT invalidate Cash Back at this merchant 5. After order is confirmed you can log into your mags account to DEACTIVATE the auto renew or simply call them they don't hassle you. BODY BEAUTIFUL - Six Laser hair-removal sessions for only $99.00 regularly $625.00 . - Expires 5AM - 11/18 - MI BODY BEAUTIFUL 28552 Orchard Lake Road - Suite 500 Farmington Hills MI 48334 248-932-4300 Hey Bathing Beauty you can't stick those flawless Esther Williams-style synchronized-swimming routines if you're focusing on underarm stubble or a PG-13 bikini line. Get back to your smile and your scissor kicks when you catch today's deal for six laser hair-removal sessions from Body Beautiful for only $99.00 regularly $625 . You'll achieve pinup perfection after just six quick sessions for your lip or chin underarm or bikini line with the certified and experienced technicians turning you from spiky urchin into a regular Neptune's Daughter. We're certain your sexy new body and extra confidence will cause quite a splash making this deal Easy to Love. THE FINE PRINT ============== Limit 1 per person up to 1 additional as gifts Appointments are required and subject to availability Merchant cancellation/re-scheduling policy of 24 hours applies voucher subject to forfeiture Valid on the following body areas Lip or Chin Underarm or Bikini Line Promotional value expires on 05/18/11 No cash value/Cash Back Tax and gratuity are not included Entire value must be used in one visit Cannot be combined with any other offer or promotion LivingSocial Terms and Conditions - livingsocial /terms LINKY Amex-accepting merchants - 0.40% surcharge to get fees refunded I have a merchant account and accept American Express cards and got a letter from them today regarding some changes the big points "If you issue a Credit we will not refund the Discount or any other fees or assessments previously applied on the corresponding Charge.""Also as of July 1 2011 Merchants who do not receive a refund of the Discount in the event of a Credit will have the option to have the applicable Discount refunded in exchange for an increase in their Discount Rate by 40 basis points .040% ."They also say that they're going to start reporting payments on a 1099-K as part of the housing recovery act.I don't ever issue refunds AMEX volume is low + I've made maybe 2 refunds in 5 years . Bill Me Later On Ebay... Earn $10 Back for FIRST Purchase Through Ebay The buy now pay later is pretty handy as long as you pay in full prior to the June deadline otherwise they will spank you with fees. see below......Learn how to receive $10 back plus No Payments or Interest if paid in full by June 2011 Look for Bill Me Later at checkout and complete your purchase before midnight ET on November 30 2010 to receive this limited time offer only available at eBay. This offer is non-transferrable. $10 back on your first purchaseYou'll receive $10 back as a statement credit for your first Bill Me Later purchase on eBay. #9702 If you do not see this offer in checkout don't worry. As long as you make your first purchase using Bill Me Later on eBay between November 1 and November 30 2010 you'll receive a $10 statement credit. #9702 Limit 1 per customer. Please allow 1-2 billing cycles for this amount to be reflected on your Bill Me Later statement. No Payments + No Interest if paid in full by June 2011 on all your purchases this monthInterest will be charged to your account from the purchase date if the purchase balance is not paid in full within 6 months. Select "Yes I'd like No Payments/ Interest if paid in full by June 2011..." to be eligible to receive the promotional offer for each purchase. You'll receive monthly statements... #9702 Pay in full by the promotion expiration date listed and you will not be charged interest. #9702 If you do not pay in full by the promotion expiration date interest will apply from the date of purchase. If approved WebBank will extend credit to you for the amount financed to pay for your purchase. WebBank will pay the merchant on your behalf to pay for the purchase. $15 for Juno Baby Adventure DVD + CD set Amazon has the DVD alone for $17.99. SavvySource has it for $15 and includes bonus take along CD set for car trips.Juno Baby 116 New Montgomery Suite 200 San Francisco CA 94105 http // junobaby /Children have a natural love of music and you can help awaken it by exposing them to music at an early age with Juno Baby's critically acclaimed DVDs books and CDs. They feature lovable puppet characters in short stories that teach toddler-appropriate themes such as trying new things conquering fears and making friends. The colorful animated backdrops will delight little ones as young as 12 months and the fun stories will engage both toddlers and preschoolers. Sit back and watch as your child laughs sings and dances along with Juno and her friends while discovering the magic of music.But what really sets the Juno Baby series apart is the music. You won't find any synthesized tracks here each original piece has been written by Emmy-Award winning composer Belinda Takahashi Ph.D. and is performed by a live orchestra. Even parents welcome the sounds of Juno Baby's rich beautiful music it's perfect for listening while in the car in the living room bedroom or anywhere they want to relax and enjoy music with their kids. Don't be surprised if you find yourselves humming and singing around the house long after the CD or DVD player have been turned off Give your child the gift of music through the Baby Juno series. With this Savvy Source offer for half off a special introductory Juno Baby DVD and CD set you can get your child started on a lifelong musical journey for less and that's music to any savvy parent's ears. The Fine PrintCoupon must be redeemed for use at http // thejunocompany /deal by May 21 2011. To purchase place items in cart and enter specific Coupon Code into the Promo Code slot. Shipping and handling will be a charge of $4.95. A coupon cannot be combined with any other gift certificates third party certificates coupons or promotions unless otherwise specified by merchant. The coupon is of no cash value. Coupon is transferable and can be purchased as a gift. Amex NYC - Spend $250 Get $50 S/C Spend $500 Get $100 S/C More Style. More Shopping. More Savings this Holiday Season.Get a $50 statement credit when you spend $250 or more or get a $100 statement credit when you spend $500 or more.Just register any eligible American Express Card below and shop at participating merchants in New York City from December 1- 24 2010 using your registered Card. Registration begins November 15 2010. Visit nycgo /getmorenyc for more details and a full list of participating merchants.Plus get even more great offers on the go. Enter your mobile number below to get text messages with additional savings from select merchants throughout the promotion.Happy Shopping https //enroll.amexnetwork /US/nycholiday/ cid=ny