No more than the stated number of prizes will be awarded. In the event that production, technical, seeding, programming or any other reasons cause more than the stated number of prizes as set forth in these Official Rules to be available and/or claimed, Sponsor reserves the right to award only the stated number of prizes by a random drawing among all legitimate, un-awarded, eligible prize claims. 

Sponsor reserves the right, at its sole discretion, to cancel, terminate, modify, abbreviate or suspend the Sweepstakes or any portion thereof for any reason without further obligation or advance notice. If the Sweepstakes is not capable of running as planned by Sponsor, notice will be posted on http://bondsmakeiteasy.org/. In the event that the Sweepstakes is abbreviated for any reason, the Sponsor reserves the right at its sole discretion, but is under no obligation, to award the prize from among all valid and eligible entries received up to the time of termination. 

By entering, entrants agree to comply with these rules. Any entrant who attempts to tamper with the Sweepstakes, in Sponsor’s sole discretion, shall be disqualified. In the event of a dispute as to who submitted an entry, the Entry will be deemed submitted by (1) the authorized account holder of the email account submitted at the time of entry “Authorized account holder” means the natural person who is in control of the email address.
CAUTION: ANY ATTEMPT BY AN ENTRANT TO DELIBERATELY DAMAGE THE WEBSITE OR UNDERMINE THE LEGITIMATE OPERATION OF THE SWEEPSTAKES MAY BE IN VIOLATION OF CRIMINAL AND CIVIL LAWS AND SHOULD SUCH AN ATTEMPT BE MADE, SPONSOR RESERVES THE RIGHT TO SEEK REMEDIES AND DAMAGES (INCLUDING ATTORNEYS’ FEES TO THE EXTENT ALLOWED BY LAW) FROM ANY SUCH ENTRANTS TO THE FULLEST EXTENT OF THE LAW, INCLUDING CRIMINAL PROSECUTION. 

If any portion of these rules is determined to be invalid or illegal, the remaining portions of these rules will remain in effect and be construed with their terms as if the invalid or illegal provision were not contained herein.
11. Disputes: Entrant agrees that: (i) any and all disputes, claims and causes of action arising out of or connected with this Sweepstakes or the prize awarded shall be resolved individually, without resort to any form of class action, and exclusively by the United States District Court for the appropriate Massachusetts State Court; (ii) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, including costs associated with entering this Sweepstakes but in no event attorneys’ fees; and (iii) under no circumstances will entrant be permitted to obtain awards for and entrant hereby waives all rights to claim punitive, incidental and consequential damages and any other damages, other than for actual out-of-pocket expenses, and any and all rights to have damages multiplied or otherwise increased. SOME JURISDICTIONS DO NOT ALLOW THE LIMITATIONS OR EXCLUSION OF LIABILITY FOR INCIDENTAL OR CONSEQUENTIAL DAMAGES, SO THE ABOVE MAY NOT APPLY TO YOU. All issues and questions concerning the construction, validity, interpretation and enforceability of these Official Rules, or the rights and obligations of the entrant and Sponsor in connection with the Sweepstakes, shall be governed by, and construed in accordance with, the laws of the State of Massachusetts, without giving effect to any choice of law or conflict of law rules (whether of the State of Massachusetts or any other jurisdiction), which would cause the application of the laws of any jurisdiction other than the State of Massachusetts.
12. Notification: Winner will be contacted directly via (1) a message from Sponsor’s Facebook page http://www.facebook.com/bondsmakeiteasy and (2) an email. It is the Entrant’s sole responsibility to contact Sponsor to collect prize.
13. Winners List: To learn the identity of the winner, send a self-addressed, stamped envelope by May 31st, 2012 to: D2D Fund, 114 Western Avenue, Allston, MA 02134. Requests received after May 31st, 2012 will not be honored. The name of the winner will be posted on http://www.facebook.com/bondsmakeiteasy between April 25th and April 30th, 2012. Privacy Copy Privacy Statement This statement was last updated on 9 April, 2012

1. ACKNOWLEDGEMENT AND ACCEPTANCE OF TERMS The foregoing privacy policy relates to the Win a $300 Visa Gift Card Sweepstakes. This Privacy Statement sets forth our current privacy practices with regard to the information we collect when you or your computer interacts with the Site. By accessing the Site, you acknowledge and fully understand D2D Fund’s Privacy Statement and freely consent to the information collection and use practices described in this Site Privacy Statement.

2. INFORMATION WE COLLECT AND HOW WE USE IT
 D2D Fund collects certain information from and about its users on the Site three ways: directly from Web Server logs, with Cookies and from users of the Site.
a. Web Server Logs.
When you visit the Site, we may track information to administer the Site and analyze its usage. Examples of information we may track include:
• Your Internet protocol address.
• The kind of browser or computer you use.
• Number of links you click within the site.
• State or country from which you accessed the site.
• Date and time of your visit.
• Name of your Internet service provider.
• Web page you linked to our site from.
• Pages you viewed on the site.
 We will also use this information to provide services and information that you request, to provide new services on our Site, measure global (not individual) activity, expand certain Site services, to contact you regarding this Site, to monitor or improve the Site and to monitor compliance with our Terms of Use. We may also utilize information to customize the advertising and marketing messages that are delivered to users on the Site and for other reasons to be determined in our discretion. We do not provide or release names, e-mail addresses or postal addresses to any third party. However you need to be aware that certain state and federal laws may require that we report on any individual users activities on the Site. b. Use of Cookies D2D Fund may use cookies to personalize or enhance your user experience. A cookie is a small text file that is placed on your hard disk by a Web page server. Cookies cannot be used to run programs or deliver viruses to your computer. Cookies are uniquely assigned to you, and can only be read by a Web Server in the domain that issued the cookie to you. One of the primary purposes of cookies is to provide a convenience feature to save you time. For example, if you personalize a web page, or navigate within a site, a cookie helps the site to recall your specific information on subsequent visits. Hence, this simplifies the process of delivering relevant content and eases site navigation by providing and saving your preferences and login information as well as providing personalized functionality. D2D Fund reserves the right to share aggregated site statistics with partner companies, but will not allow other companies to place cookies on the Site unless we believe there is a temporary, overriding customer value. You have the ability to accept or decline cookies. Most Web browsers automatically accept cookies, but you can usually modify your browser setting to decline cookies. If you reject cookies by changing your browser settings then be aware that this may disable some of the functionality on our Website. c. Personal Information Users Visitors to the Site can register as a member. When you register, we will request some personal information such as name, address, email, telephone number or facsimile number, account number and other relevant information. If you are purchasing a service or a product from the Site, we will request financial information. Any financial information we collect is used only to bill you for the services you purchased. If you purchase by credit card, this information may be forwarded to your credit card provider. For other types of registrations, we will ask for the relevant information. You may also be asked to disclose personal information to us so that we can provide assistance and information to you. For example, such data may be warranted in order to provide online technical support and troubleshooting. We will not disclose personally identifiable information we collect from you to third parties without your permission except to the extent necessary including: • To fulfill your requests for services and products.
• To protect ourselves from liability,
• To respond to legal process or comply with law, or
• In connection with a merger, acquisition, or liquidation of the company.
• For other uses that we disclose when you provide your personal information to us.

4. USE OF WEB BEACONS OR GIF FILES
The Site’s Web pages may contain electronic images known as Web beacons – sometimes also called single-pixel gifs – that allow D2D Fund to count users who have visited those pages and to deliver co-branded services. D2D Fund may include Web beacons in promotional e-mail messages or newsletters in order to determine whether messages have been opened and acted upon. Some of these Web beacons may be placed by third party service providers to help determine the effectiveness of our advertising campaigns or email communications. These Web beacons may be used by these service providers to place a persistent cookie on your computer. This allows the service provider to recognize your computer each time you visit certain pages or emails and compile anonymous information in relation to those page views, which in turn enables us and our service providers to learn which advertisements and emails bring you to our website and how you use the site. D2D Fund prohibits Web beacons from being used to collect or access your personal information.

6. CHANGES TO THIS STATEMENT
 D2D Fund, has the discretion to update this privacy statement at any time. When we do, we will also revise the “updated” date at the top of this Privacy page. We encourage you to periodically review this privacy statement to stay informed about how we are helping to protect the personal information we collect. Your continued use of the Site constitutes your agreement to this privacy statement and any updates.

7. CONTACTING US  
If you have questions regarding our Privacy Statement, its implementation, failure to adhere to this Privacy Statement and/or our general practices, please contact us at D2D Fund.
 Address: 114 Western Avenue, Allston, MA 02134. D2D Fund will use commercially reasonable efforts to promptly respond and resolve any problem or question.

Don’t lose hope, here is what many others in that situation are doing:
1. Filing for extension (everyone is eligible),
2. Overpaying taxes, and in turn,
3. Receiving a larger refund they can use to buy those bonds.

It’s pretty simple! Learn more from these articles:

http://thefinancebuff.com/backdoor-to-paper-savings-bonds.html

Saving is Hard. Bonds Make it Easy!

Impulse buys can wipe out your monthly budget with one swipe of the credit card. At the time of purchase they seem like deals you can’t pass up, and you swear your life will be more fulfilling once you have them.

Whether on retail websites, at the supermarket, or in a showroom, big sale signs and tantalizing buy-one-get-one offers abound. With a bit of effort, it is possible to beat the marketing strategies that experts know are fooling shoppers into behaving impulsively and save money. Here are five quick tips for keeping spontaneous purchases under control.

1. Quit Going to the Mall: Going to the mall is about a lot more than just shopping these days. Mega malls now have movie theaters, food courts, and salon services, and are more like theme parks than shopping centers. Even if you think you’re going to the mall for a movie, or an ice cream, or mere window shopping with friends, chances are that you are going to end up doing (and spending) more than what you initially planned. Just don’t go. It’s far too easy to stray towards sale signs and charge just one pair of earrings or just one video game. Remember — even inexpensive impulse purchases add up.

2. Refuse to Buy Before Thoroughly Researching: When most people think of impulse purchases, they they think that they are relatively small. This is not always the case. Impulse purchases can be quite large and cost thousands of dollars. Upgrading options on a car that you are buying that you don’t really need, or buying a timeshare when on vacation. Most of the time these impulse purchases come about because the purchase is presented by a salesperson that knows the right things to say making the purchase look great without giving you the time to think through all the details and independently research the purchase before you agree. If you are presented with options that you haven’t considered before and don’t have time to do your research, wait to make the purchase another time. This can save you from having car payments that are beyond your means or suffering through a timeshare trap.

3. Stay Away from Online Retail Websites: First, they draw you in by sending emails that advertise the latest styles available on their site, or by reminding you that you have unpurchased items on your wish list. Finally you crack and visit their site, just to see if some of the items you’ve been eyeing have gone on clearance. Even though you think you are doing yourself a service by bargain hunting on your favorite websites, you’re really just playing into the online retailers’ hands. They love when you take the bait because they know there is a good chance that you’ll impulse buy their shiny products.

4. Start Tracking Your Urges: One of the first steps to controlling your urges is to recognize the behavior. Perhaps you regret impulse buys in hindsight (once you see the bills), but didn’t consider it bad or impulsive at the time. it’s important to recognize every time you even think about buying something, even if you’re just daydreaming about shopping. Write down the date of the urge and the thing you are craving. After a few weeks, not only will you be better at catching yourself in the act of lust-shopping, but you might also see a pattern in the things that most tempt you.

5. Enforce a 30-Day Waiting Period: If tracking urges works for you, it might also help to write down impulses as you have them, and in doing so, promise that you will not purchase this item until a minimum of one month has passed. After the time has elapsed and you review your urges, you might be quite pleased at how unenthusiastic you are about the potential purchases that excited you a month before. Once the thrill of the moment passes when it comes to impulse buying, those once-awesome items feel needless. If, on the other hand, you still feel the need for the item after thinking about it for the month, you can feel better about the purchase that it wasn’t simply an impulse reaction.

Impulse purchases can have huge detrimental effects to your finances whether they come in a lot of small purchases that add up or one large purchase. Taking the time to realize the situations where you buy things on impulse will go a long way to helping you avoid making these costly purchases in the future.

Jeffrey Strain is a digital nomad who writes about all topics related to personal finances. Visit his personal finance blogs at Saving Advice and Financial Hack for useful tips.

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