Thursday, March 30, 2017

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Smart-shopping blogs and magazines are teeming with stories about the great deals you can get on nearly everything – groceries, tires, vacations – at warehouse stores. Some financial writers even claim there’s simply no excuse for not belonging to a warehouse club if you live within driving distance to one. But there’s one obvious snag: Before you can fill up your cart with these bargains, you have to pay an annual fee of around $50 just to get in the door. Of course, this membership fee can pay for itself if the prices in the store are low enough – and if you buy enough for your annual savings to add up to $50 or more. But how can you tell whether the math works out in your favor? To answer that question, you need to delve into the murky depths of warehouse store shopping: how it works, what it costs, and just how good the prices are on the items you buy most. How Warehouse Stores Work Warehouse stores work on a different model from other retail stores. Regular retailers, such as Walmart, make their money from the markup they charge – the difference between the wholesale price they pay for goods from their suppliers and the retail price they charge to customers. Kiplinger reports that the markup at a typical retail store is somewhere between 25% and 50%. By contrast, warehouse stores charge a much lower markup – about 14% – and make up for the lost profits by charging a fixed yearly fee to each customer. That’s why these stores sometimes refer to themselves as buying clubs: You pay up front to become a member, and in return, you get to buy products at rock-bottom prices. In addition, you gain access to various other special deals on everything from healthcare to travel.

There are three major warehouse chains in the United States: Costco. The Costco chain started in Seattle in 1983. 10 years later, it merged with another club store, called Price Club, which had been catering to business owners since 1976. Today, Costco has hundreds of stores stretching across the entire United States and beyond. The chain sets itself apart from other warehouse stores with its focus on high-end goods, such as organic food and designer jeans. Sam’s Club. Sam Walton, the founder of Walmart, started Sam’s Club in 1983. It’s now a nationwide chain with more than 600 stores and 47 million members. Its products range from groceries and office supplies, to big-ticket items such as jewelry and furniture. BJ’s Wholesale Club. BJ’s is a smaller chain than its competitors, with 200-plus stores spread across 15 states. However, like Sam’s Club and Costco, it offers a wide range of goods and services, from groceries to vacation packages. Advantages of Warehouse Store Shopping People who love warehouse stores really love them. Forbes reports that Costco members are extremely loyal, with more than 9 out of 10 choosing to renew their membership each year. And they have many good reasons to feel this way. Warehouse stores offer a plethora of benefits, including the following: 1. Great Prices – At Least on Certain Items In a 2011 study by ShopSmart, reported on by Consumer Reports, both Costco and Sam’s Club beat supermarket prices on most groceries by at least 20%. A few items offer even bigger savings – batteries, Cheerios, and Thomas’s English muffins were priced less than half of what they cost at supermarkets. Kiplinger says warehouse stores offer the best prices on tires, noting that one high-performance brand sells for around 20% less at Costco than it does at Sears. Kiplinger also cites great deals at warehouse clubs on TV sets, beer, designer watches, and even coffins – though that’s one savings you probably hope you don’t need to cash in on. 2. Access to Services Costco members can get special deals on insurance, auto rentals, and travel packages. The store also offers banking services, eye care, and water delivery for homes and businesses. Costco has even teamed up with auto dealerships to give its customers discounts on many car makes and models. Sam’s Club has an even wider menu of services, including health screenings, home improvement, and legal services for businesses. On top of that, both stores offer discounts on movie tickets.

3. High-Quality Store Brands A March 2015 article in Consumer Reports says that many products from Costco’s house brand, Kirkland, are as good as or better than their name-brand competitors. The magazine’s editors recommend Kirkland’s laundry detergent, batteries, bacon, mayonnaise, and organic chicken stock. The magazine also gives high marks to Member’s Mark laundry detergent, a Sam’s Club brand, in a 2014 test. 4. One-Stop Shopping Warehouse stores allow you to condense many errands into one. You can pick up your glasses, get new tires, book a vacation, and buy groceries all in one trip. 5. Free Samples On weekends, shoppers at warehouse stores can stroll through the aisles noshing on samples of assorted food items. Naturally, the stores hope that trying the products will inspire you to buy them, but there’s no obligation – you can just chow down and walk away. 6. A Pleasant Shopping Experience In a 2012 survey by Consumer Reports, Costco shoppers reported being more satisfied with their experience than shoppers at nine other major retail chains. A 2014 survey about customer service by Temkin found similar results. Sam’s Club was among the top 10 companies rated, with 81% of customers saying their service was either good or excellent. Costco and BJ’s come in a bit lower down the rankings with a respectable 79%. 7. Good Returns Policies One likely reason why warehouse store shoppers are so satisfied is that if they’re ever unhappy with a purchase, it’s easy to return. Both Costco and Sam’s Club offer an absolute 100% money-back guarantee on virtually everything they sell: If you’re not satisfied for any reason, you can return the item, with your receipt, at any time. One exception is electronic items, which can’t be returned after 90 days. For fresh food items, Sam’s Club’s guarantee is even stronger: you can return the item for double your money back, or get your money back plus a replacement. Disadvantages of Warehouse Store Shopping


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Nail fungus is a common condition that begins as a white or yellow spot under the tip of your fingernail or toenail. As the fungal infection goes deeper, nail fungus may cause your nail to discolor, thicken and crumble at the edge. It can affect several nails but usually not all of them. If your condition is mild and not bothering you, you may not need treatment. If your nail fungus is painful and has caused thickened nails, self-care steps and medications may help. But even if treatment is successful, nail fungus often comes back.

Nail fungus is also called onychomycosis (on-ih-koh-my-KOH-sis) and tinea unguium. When fungus infects the areas between your toes and the skin of your feet, it's called athlete's foot (tinea pedis). You may have nail fungus — also called onychomycosis (on-ih-koh-my-KOH-sis) — if one or more of your nails are: Thickened Brittle, crumbly or ragged Distorted in shape Dull, with no shine A dark color, caused by debris building up under your nail Infected nails also may separate from the nail bed, a condition called onycholysis (on-ih-KOL-ih-sis). You may feel pain in your toes or fingertips and detect a slightly foul odor. When to see a doctor You may want to see a physician if self-care steps haven't helped. Also see a doctor if you have diabetes and think you're developing nail fungus. Nail fungal infections are typically caused by a dermatophyte fungus. Yeasts and molds also can be responsible for nail fungal infections.
What are fungi?

Fungi are microscopic organisms that don't need sunlight to survive. Some fungi have beneficial uses. Others cause illness and infection. Fungi: Live in warm, moist environments, including swimming pools and showers Can invade your skin through cuts so tiny you can't even see them or through a small separation between your nail and nail bed Can cause problems if your nails are often exposed to warm and moist conditionsToenails vs. fingernails Nail fungus occurs more often in toenails than in fingernails, partly because: Toenails often are confined in a dark, warm, moist environment — inside your shoes — where fungi can thrive Toes usually have less blood flow than do fingers, making it harder for your body's immune system to detect and stop infection Factors that can increase your risk of developing nail fungus include: Being older, owing to reduced blood flow, more years of exposure to fungi and slower growing nails Perspiring heavily Being male, especially if you have a family history of nail fungal infections Working in a humid or moist environment or in a job where your hands are often wet, such as bartending or housekeeping Wearing socks and shoes that hinder ventilation and don't absorb perspiration Living with someone who has nail fungus Walking barefoot in damp communal areas, such as swimming pools, gyms and shower rooms Having athlete's foot Having a minor skin or nail injury or a skin condition, such as psoriasis Having diabetes, circulation problems, a weakened immune system or, in children, Down syndrome
A severe case of nail fungus can be painful and may cause permanent damage to your nails. And it may lead to other serious infections that spread beyond your feet if you have a suppressed immune system due to medication, diabetes or other conditions.

If you have diabetes, you may have reduced blood circulation and nerve supply in your feet. You're also at greater risk of a bacterial skin infection (cellulitis). So any relatively minor injury to your feet — including a nail fungal infection — can lead to a more serious complication. See your doctor if you have diabetes and think you're developing nail fungus. You're likely to start by seeing your family doctor or a general practitioner. In some cases when you call to set up an appointment, you may be referred immediately to either a doctor who specializes in skin conditions (dermatologist) or one who specializes in foot conditions (podiatrist).

To make the most of your time with your doctor, it's good to prepare for your appointment.
What you can do List your symptoms, including any that may seem unrelated to nail fungus. List key personal information, including any major stresses or recent life changes. List all the medications, vitamins and supplements you're taking. List questions to ask your doctor.

For nail fungus, your questions might include: What is likely causing my symptoms or condition?What are other possible causes for my symptoms or condition? What tests do I need? What is the best course of action? What are the alternatives to the primary approach you're suggesting? I have other health conditions. How can I best manage them together? Is a generic alternative available for the medicine you're prescribing? Do you have any brochures or other printed material that I can take home? Do you recommend any websites on nail fungus? Don't hesitate to ask any other questions you have. Your doctor will likely examine your nails first. He or she may scrape some debris from under your nail and send it to a lab to identify the type of fungus causing the infection. Other conditions, such as psoriasis, can mimic a fungal infection of the nail. Microorganisms such as yeast and bacteria also can infect nails. Knowing the cause of your infection helps determine the best course of treatment. If self-care strategies and over-the-counter (nonprescription) products haven't helped, your doctor may suggest a combination of prescription drugs and other approaches. But even if you find relief from your signs and symptoms, repeat infections are common.


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The Nasdaq finally did it. It has climbed all the way back to where it was at the peak of the dotcom bubble. Back in March 2000, the Nasdaq set an all-time record high of 5,048.62. On Thursday, after all these years, that all-time record was finally eclipsed. The Nasdaq closed at 5056.06, and Wall Street greatly rejoiced. So if you invested in the Nasdaq at the peak of the dotcom bubble, you are just finally breaking even 15 years later. Unfortunately, the truth is that stocks have not been soaring because the U.S. economy is fundamentally strong. Just like the last two times, what we are witnessing is an irrational financial bubble. Sometimes these irrational bubbles can last for a surprisingly long time, but in the end they always burst. And even now there are signs of economic trouble bubbling to the surface all around us. The following are 11 signs that we are entering the next phase of the global economic crisis… #1 It is being projected that half of all fracking companies in the United States will be “dead or sold” by the end of this year. #2 The rig count just continues to fall as the U.S. oil industry implodes. Incredibly, the number of rigs in operation in the United States has fallen for 19 weeks in a row. #3 McDonald’s has announced that it will be closing 700 “poor performing” restaurants in 2015. Why would McDonald’s be doing this if the economy was actually getting better? #4 As I wrote about the other day, we could be right on the verge of a Greek debt default. In fact, we learned on Thursday that the Greek government has been “running on empty” for months… Greece warned it will go bankrupt next week after failing to stump up enough cash to pay millions of public sector workers and its international debts.

Deputy finance minister Dimitras Mardas set alarm bells ringing yesterday when he declared the country had been ‘running on empty’ since February. With a debt repayment deadline looming on May 1, Greece faces the deeply damaging prospect of having to snub its own employees to make a €200m payment to the International Monetary Fund. #5 Coal accounts for approximately 40 percent of all electrical generation on the entire planet. When the price of coal starts to drop, that is a sign that economic activity is slowing down. Just prior to the last financial crisis in 2008, the price of coal shot up dramatically and then crashed really hard. Well, guess what? The price of coal has been crashing again, and it is already lower than it was at any point during the last recession. #6 The price of iron ore has been crashing as well. It is down 35 percent in the last nine months, and David Stockman believes that this is because of a major deflationary crisis that is brewing in China… There is no better measure of the true contraction underway in China than the price of iron ore. The Wall Street stock peddlers will tell you not to be troubled by the 70% plunge from the 2012 highs and the 35% drop just in the last nine months. According to them, its all the fault of the big global miners who went overboard opening up massive new iron ore pits and mining infrastructure.

#7 At this point, China accounts for more total global trade than anyone else in the world. That is why it is so alarming that Chinese imports and exports are both absolutely collapsing… China’s monthly trade data shows exports fell in March from a year ago by 14.6% in yuan terms, compared to expectations for a rise of more than 8%. Imports meanwhile fell 12.3% in yuan terms compared to forecasts for a fall of more than 11%. #8 The number of publicly traded companies in the United States that filed for bankruptcy during the first quarter of 2015 was more than double the number that filed for bankruptcy during the first quarter of 2014. #9 New home sales in the United States just declined at their fastest pace in almost two years. #10 U.S. manufacturing data has been shockingly weak lately… On the heels of weak PMIs from Europe and Asia, Markit’s US Manufacturing PMI plunged to 54.2 in April (from 55.7). Against expectations of a rise to 55.6, this is the biggest miss on record. Of course, this is ‘post-weather’ so talking-heads will need to find another excuse as New Orders declined for the first time since Nov 2014. #11 When priced according to “the average blue-collar hourly wage“, U.S. stocks are the most expensive that they have ever been in history right now. To say that this financial bubble is overdue to burst is a massive understatement. For a long time, I have been pointing to 2015 as a major “turning point” for the global financial system, and I still feel that way. But for the first four months of this year, things have been surprisingly quiet – at least on the surface. So what is going on? Well, I believe that what we are experiencing right now is the proverbial “calm before the storm”. There is all sorts of turmoil brewing just beneath the surface, but for the moment things seem like they are running along just fine to most people. Unfortunately, this period of quiet is not going to last much longer.

And those that are “in the know” are already moving their money in anticipation of what is coming. For example, consider the words of Snapchat founder and CEO Evan Spiegel… Fed has created abnormal market conditions by printing money and keeping interest rates low. Investors are looking for growth anywhere they can find it and tech companies are good targets – at these values, however, all tech stocks are expensive – even looking at 5+ years of revenue growth down the road. This means that most value-driven investors have left the market and the remaining 5-10%+ increase in market value will be driven by momentum investors. At some point there won’t be any momentum investors left buying at higher prices, and the market begins to tumble. May be 10-20% correction or something more significant, especially in tech stocks. It may not happen next week, or even next month, but big financial trouble is coming. And when it finally arrives, it is going to shock the world, even though anyone with any sense can see the coming crisis approaching from a mile away. 20 Signs That The U.S. Economy Is Heading For Big Trouble In The Months Ahead - Photo by Frank KovalchekIs the U.S. economy about to experience a major downturn? Unfortunately, there are a whole bunch of signs that economic activity in the United States is really slowing down right now. Freight volumes and freight expenditures are way down, consumer confidence has declined sharply, major retail chains all over America are closing hundreds of stores, and the “sequester” threatens to give the American people their first significant opportunity to experience what “austerity” tastes like. Gas prices are going up rapidly, corporate insiders are dumping massive amounts of stock and there are high profile corporate bankruptcies in the news almost every single day now. In many ways, what we are going through right now feels very similar to 2008 before the crash happened. Back then the warning signs of economic trouble were very obvious, but our politicians and the mainstream media insisted that everything was just fine, and the stock market was very much detached from reality. When the stock market did finally catch up with reality, it happened very, very rapidly. Sadly, most people do not appear to have learned any lessons from the crisis of 2008. Americans continue to rack up staggering amounts of debt, and Wall Street is more reckless than ever. As a society, we seem to have concluded that 2008 was just a temporary malfunction rather than an indication that our entire system was fundamentally flawed. In the end, we will pay a great price for our overconfidence and our recklessness.


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Alfreds influence, and appeared near Chester. Alfred himself had undertaken the task of guarding Exeter and the coasts of Devonshire and South Wales, where he wintered, leaving Ethelred to pursue Hasting. Thus a year passed in the successful defence of the kingdom, the Danes having gained no important advantage. At the end of the second campaign Hasting still maintained his ground and fortified himself on the Thames, within twenty miles of London. At the close of the third year, Hasting, being driven from his position on the Thames, established himself in Shropshire. In the spring of 897 Hasting broke up his last