Microsoft Cashback Programme on Ebay

You must be a US resident and 18 or older. You must purchase an eligible item on eBay.com with Buy It Now and pay with PayPal. You must successfully complete your eligible transaction within a 60 minute online session. Purchases made using auction format, or through Best Offer are not eligible. Purchases of automobiles, other vehicles, or real estate, and items purchased on Half.com are also not eligible. The maximum cashback reward you can receive is $200 per transaction. eBay’s cashback rewards are subject to Microsoft’s annual limit of $2500 per person. You may receive cashback rewards for a maximum of twelve (12) transactions per eBay.com account. Youll need to sign up with Microsoft for a free Microsoft Bing account. This account must be linked to your PayPal account so you can receive your money. We recommend that you do these things immediately after you make your purchase by clicking the Get cashback button as part of the checkout process. (See the next section for where this happens.)

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How to Balance a Checkbook : How to Balance an Account Register

How to use your account transaction register in this free video clip on personal finance. Expert: BD Benson Bio: Mr. Benson is a certified financial counselor specializing in personal and family finances. He has been serving individuals and families in the Pacific Northwest for over 18 years. Filmmaker: Doug Benson

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JP Morgan Chase To Limit Debit Card Purchases At 50 – 100 Dollars

NEW YORK (CNNMoney) — Declined! Your debit card may soon be denied for purchases greater than $100 — or even as little as $50. JPMorgan Chase, one of the nation’s largest banks, is considering capping debit card transactions at either $50 or $100, according to a source with knowledge of the proposal. Why? Because of a tricky thing called interchange fees. Right now, every time you swipe your debit card, your bank charges the retailer an average fee of 44 cents, which it shares with its partners. Those little fees, however, add up to about $16 billion per year, according to 2009 data from the Federal Reserve. But as part of the Wall Street reform legislation that was passed last year, these fees are being slashed. The Fed is currently proposing rules thap Locatioat would go into effect in July and would cap interchange fees at 12 cents. That’s a big enough cut to cost Chase (JPM, Fortune 500) more than $1 billion a year. And Chase may not be alone. Other major issuers are also projecting huge losses from the interchange fee cap. Joe Price, president of consumer banking for Bank of America (BAC, Fortune 500), said in an e-mailed statement that the lower fee wouldn’t fairly compensate the bank for the infrastructure and services it provides to retailers. And consumers would end up feeling the pain when Bank of America is forced to recoup costs “by increasing the cost of their everyday debit card transactions, limiting their payment choices, and impacting industry

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World of Warcraft – Quick Cloth Farming Guide

In World of Warcraft, there are 6 varieties of cloth, if we include Netherweave Cloth, which is only found in Outlands (requires Burning Crusade). Pieces of cloth drop most commonly from mobs, but bolts can also be found in various chests as well as trunks you may find while fishing.

They are:

Linen
Wool
Silk
Mageweave
Runecloth
Netherweave
Cloth is very useful for all classes and all races, because everyone can take the First Aid secondary profession. Indeed, everyone not only can, but should. In addition to First Aid, cloth is useful to almost every one who has a Crafting (as opposed to Gathering) primary profession.

Cloth is obviously crucial to tailors to craft their wares. A limited number of Leatherworking and Blacksmithing recipes also call for Bolts or Pieces of cloth. When a leatherworker or blacksmith requires a bolt of cloth, he will either have to call on a guild mate, or, more commonly, purchase the bolt from the local Auction House.

The best way to gather cloth is, like almost everything else in World of Warcraft, to farm it. Here are the best places and the top mobs to kill to farm the different types of cloth. Please note that unless you are a tailor, the cloth you pick up during the course of your adventures should be more than enough to level up your First Aid skill, with stacks to spare for the Auction House!

Useful Farming Tip #1

You should always farm with the highest level character you have in the same faction (i.e. Horde or Alliance) as the intended recipient of your farming efforts. This will save you countless hours of frustration, death, and below-par farming.

Linen Cloth

Humanoid mobs in the 5-15 level range drop linen cloth.

Westfall: Defias Looters and Defias Trappers have an average combined drop rate of 76%. They are level 11-14 and are mostly present in the Central and Western areas of Westfall.

The Barrens: The Kolkar Wranglers, Bloodchargers and others, located in Central Barrens near Crossroads, all have similar excellent linen cloth drop rates. They are mostly level 11-16 and should present no problems.
All these mobs also have excellent respawn rates, so the place would have to be very crowded for you to run out of mobs to kill.

Wool Cloth

Humanoid mobs in the 14-36 level range drop wool cloths. The mobs with best drop rates are:

The Mosshide Gnolls in Wetlands. Mosshide Gnolls of every stripe except the Mosshide Alphas have Wool Cloth drop rates of about 36%. I speak from experience when I say that the respawn rates are incredibly fast, sometimes so fast you won’t have time to loot the chests that appear every so often in the Mosshide camps.

Stockades and Deadmines Instance. If you are farming with a high-level character, as you should, then you should have no problems clearing out either of these instances in little over 30 minutes. You should have between 60 and 100 pieces of Wool Cloth, and quite a bit of Linen to boot.

Silk Cloth

Silk cloths primarily from humanoid mobs in the 25-40 level range, some exceptions apply. While they can be found in Gnomeregan (instance) as well as from the Bloodsail people in Stranglethorn Vale, the very best place to farm Silk Cloth is:

The Scarlet Monastery. The Scarlet Monastery Instance, in Northern Tirisfal Glades, is absolutely awash with Silk Cloth, in traditional ecclesiastical opulence. Going by yourself to Scarlet Monastery will yield more Silk Cloth than you can carry, and I’m only exaggerating a little bit. Definitely make room in your bags before you go.
Mageweave

Mageweave is very useful for tailors/enchanters who can create relatively valuable items to disenchant. For this reason, the competition for the best farming spot is usually pretty fierce. Be sure to implement Useful Farming Tip #1 (farm with your highest level character) if you want to actually farm anything.

Deadwood Furbolgs in southern Felwood are level 47-50 mobs and have a combined drop rate for Mageweave of over 100%, meaning that if you kill 100 of them, in the end you will have more than 100 Mageweave. This is pretty hard to beat, and is also well known.
Runecloth

Runecloth drops from Humanoid mobs level 50 and up, all the way to 61-62 in Outlands. There are several excellent farming spots in Azeroth and Outlands for Runecloth, and they are:

Silithus. The Twilight Cultists, Avengers, etc, seem to be made of the stuff. You can expect an aggregated drop rate of over 35% from these mobs.

Western and Eastern Plaguelands. All the Undead in both these areas have excellent drop rates for Runecloth, and make an excellent farming spot, since you’re unlikely to run out of undead to kill.

Hellfire Peninsula. If you have the Burning Crusade Expansion Pack, you can farm Runecloth from Bleeding Hollow Peons (around coordinates 56,70). They reportedly have a 32% drop rate for Runecloth. The Unyielding Footmen, Knights and Sorcerers in the Expedition Armory (just south of Honor Hold) also have exceptionaly good Runecloth drop rates.

Netherweave

Pretty much all humanoids in the Outlands drop Netherweave, as it is — for now — the top of the list as far as cloth goes. The best drop rates are for level 70 and up mobs in Netherstorm, however there is one exception:

Voidspawns. The Voidspawns resemble the Warlock’s Voidwalker. They are not too tough to kill and can be found all round the huge diamond that dominates South Western Nagrand. The Voidspawns are in the 64-66 level range, and drop Netherweave at a combined rate of roughly 79%
Useful Farming Tip #2

When farming, whatever it is for, make sure your bags are empty. This goes especially around level 50 and up. The ‘grey’ vendor trash items you pick up will more than pay for your repairs and if you are lucky, will leave you a tidy profit on top of that.

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Amezcua BioDisc

After seeing the demonstrated positive energies of the Amezcua BioDisc, you may like to learn more at amezcuabiodisc.com To buy the Amezcua BioDisc please go to quest.net and buy using the IR Referral No. as NF466095 and send an email to quest.earner@gmail.com to confirm your transaction. See http

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Newsletter 9.28.11

Uganda Murders www.nytimes.com www.guardian.co.uk Dr. Oz hypocrisy youtu.be MORE IN THE NEWS News is coming out much quicker than I can get videos printed so here are some important articles that should be looked at. I’m starting to see an increase of intrigue about the murals of the Denver Airport. Maybe it’s the increase of war and civil restlessness. Interesting interview of Ron Paul with Jon Stewart youtu.be 18 Examples Of How Christians Are Being Specifically Targeted By Big Brother endoftheamericandream.com Door to Door Vaccinations: Training the Public for Forced Innoculations I heard this predicted by a “Conspiracy not so theory” talk so host two years ago; stating it’s in Obama Care. Whether or not you support getting a vaccine, we need to support our right to choose what goes in our bodies. Also understand that stating that vaccinations are the law and children can not got to school is a scam; there are wavers that can be signed. natomas.news10.net Both Australia and France are restricting the purchasing of gold. This is a move I’ve been looking for; and I believe this will spread even to the US A recently amended French law states (translation), “Any transaction on the retail purchase of ferrous and non ferrous (metals) is made by crossed check, bank or postal transfer or by credit card, not the total amount of the transaction may not exceed a ceiling set by decree. Failure to comply with this requirement is punishable by a ticket for the fifth class,” going on

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7 Tips to Help You Get a Credit Card Limit Increase

Many credit card holders would like to obtain a higher credit card limit. The main purpose for this is that a higher credit card limit enables the purchase of otherwise unaffordable merchandise.

First of all, credit card holders need to remember that to get a higher credit card limit, they must abide by the terms and conditions of the issuing credit card company or bank.

Here are seven tips toward obtaining a higher credit card limit:

1. The most important thing to do toward getting a higher credit card limit is to prove your credit worthiness. This is the first thing that banks and companies look for when approving a higher credit limit.

2. Always spend within your credit card limit. Doing so communicates to your credit card lender that you are capable of controlling your expenses.

3. Use your credit card regularly. Don’t keep your credit cards for emergency use only. If you use your credit cards just occasionally, banks and credit card companies will be unable to understand your spending and payment behavior. By using your credit card minimally, most banks and credit card companies will be reluctant to give you a higher credit card limit.

4. Don’t make minimum payments. Instead, try to pay for the entire outstanding amount. This method of repayment will usually give you a better chance of getting a higher credit card limit.

5. Attract positive attention from the credit card company or bank by paying interest finance charges once in a while. Obviously, this is not advisable on a continual basis and should only be used as a last resort to increase your chances of getting a higher credit limit.

Proving to credit card companies and banks that you are good borrower can be a convincing way to get a higher credit limit. But be careful because this strategy also means that you will be paying finance charges which can accumulate in a hurry.

6. Avoid late payments. Not only will your payment increase, but you will also have to pay an additional fee for late payment. This will also decrease your chances of getting a higher credit card limit.

7. The best and simplest strategy for obtaining a higher credit card limit is to use your credit card wisely. Always keep in mind that credit card companies keep a record of your transactions and payment patterns, so always pay your credit card bill on time.

The bottom line is that your performance on record at your bank and credit card company will determine whether you’ll get a higher credit card limit or not.

And always remember, a higher credit card limit means greater purchasing power, but it also increases the risk of your having to pay greater interest charges and other processing and late fees if you have difficulty repaying the higher balances.

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Excel Magic Trick 476: SUMPRODUCT Function for Weighted Average Cost From Transaction Data

Calculate Weighted Average Cost from a transactional data set using SUMPRODUCT function. If you have a huge database Excel Table / List of Purchase transactions the SUMPRODUCT function makes it simple to calculate the Weighted Average Cost for all products in the data set!

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