text:
Write Review
My Account
Manage Account
Compare Banks
out of
Reviews & Complaints
Most Popular
More Options >
More filter options:
Share this page [+]
Visa cuts off scamming merchants
Posted by Class Advocate on 12/17/2009
Visa just announced that it is no longer doing business with over 100 merchants who are allegedly scamming consumers. As we have all read on this site, consumers think they are getting a free trial offer of some product (teeth whitening, dietary supplements etc) then these merchants charge the consumers credit cards, sometimes hundreds of dollars.
Here is a description from the article on how the scam works:
"consumers click on an ad for a free trial offer of supplements or a free "information kit" that will explain how to apply for government grants or use the Internet to make big money effortlessly from home. They think they're entering a credit card number to pay for shipping and handling. But in a few clicks, they've unwittingly authorized ongoing charges that can rack up fast. When consumers see their statements and try to question the charges, they are often unable to track anyone down to make them stop. Often, clicking through can result in more than one monthly charge on a card.
"The game here is to get people hooked, keep them on the hook for monthly charges as long as you can, and only stop making those charges when you're forced to," said Stephen Salter, vice president of BBB Online. BBB has received thousands of complaints about the problem, with multiple companies to blame. "The product is irrelevant to getting the charges on the card."
The trick is a marketing technique called "negative option," where customers must say they don't want to join a so-called club or receive additional materials in the future. The details of the ongoing charges are often in small print or can only be found by following a hyperlink. There's frequently a series of pre-checked boxes that most consumers zoom past as they order. Skipping those boxes is key, because leaving them checked ostensibly giving the companies permission to keep charging the card."
It is refreshing to see a major corporation take this action.
Was this review helpful?
Read 16 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Skye on 2009-12-17:
Good to know. But anytime a free site offers you something for free, and then asks you for your credit card information, red flags should go up. Also, people need to take responsibility for themselves and read the terms and conditions, and fine print before even placing an order. It's to easy to point and click to buy something, and then have buyers remorse later on, after actually reading what you just gave your credit card information to.
Posted by goduke on 2009-12-17:
"There ain't no such thing as a free lunch."
Posted by Anonymous on 2009-12-17:
Hooray for Visa!!!
Good info, thanks for the post.
Posted by Skye on 2009-12-17:
Amen, Hallelujah, and pass the shotgun!
Posted by Skye on 2009-12-17:
Darn, lost my edit time.
That should read, "Hallelujah"
Posted by Anonymous on 2009-12-17:
A positive move by Visa but in a matter of months (or less) these same scammers will have figured out a new scam and company name.
Posted by Anonymous on 2009-12-17:
If a company is offering something free, then they should not need your credit card information and they shouldn't charge you shipping because its not free if they do.
That's how that bald headed thief has been getting away with scamming people in to buying his crappy CD's.
Posted by Slimjim on 2009-12-17:
Sounds like they are getting aggressive, although Visa (and the others) has always cut off any merchant who has high volume of disputed charges.
Posted by Anonymous on 2009-12-17:
More symbolism than substance?
Posted by Anonymous on 2009-12-17:
Typical merchant fee's run 2% - 4%. These trial offer companies are high risk and pay a much higher fee. The processor knows the charge back rates will run higher than the 2% limit. It sounds like it has become more of a consumer protection issue that just a flat charge back problem.
Posted by GenuineNerd on 2009-12-17:
A good move for Visa. MasterCard, American Express, and Discover should take Visa's lead and block scam merchants as well.
Posted by GenuineNerd on 2009-12-17:
Also, most of these pills and other products (for weight loss, bowel cleansing, sexual performance, etc.) are a big waste of money...not only from the credit card fraud, but the products themselves aren't effective. Drugstores, supermarkets, and supercenters also sell versions of these products that you can buy without waiting for the mailman...even the vast majority of "as seen on TV" gadgets are sold locally now. CVS and Walgreens, for example, sell "bowel cleansing" products once sold only by mail or web. Libido boosters could be found alongside the condoms and lubes. And with the new year coming soon, look for sales and promotions on practically every diet pill out there...aimed at those wanting to shed those pounds they gained over the holidays (or years.) Why fall for a web or mail order scam when you could waste a little less money for pills that don't work...at the corner drugstore.
Posted by Anonymous on 2009-12-17:
^^I was suprised to see Klee Irwin's colon cleanse right next to the Extenze pills at the local Walgreen's. They had Acai berry pills too, which is what a large number of the scammers are selling. Good to know the grossly overpriced placebos are now available locally.
Posted by Anonymous on 2009-12-17:
Klee Irwin, now there is one freaky, greasy looking snake oil salesman. One look at him should send anyone running.
Posted by Anonymous on 2009-12-18:
Not to mention the perma tan and his apparent obsession with feces.
When I first saw this guy holding forth with his theories about poop, I could not believe what I was seeing.
Posted by Starlord on 2009-12-23:
Close comments
Add reply
Visa / Mastercard Fraud
Posted by DebtorBasher on 08/28/2005
This has been sent to me and I wanted to pass it along to as many people as I can reach...
WARNING...New Credit Card Scam.
Note, the callers do not ask for your card number; they already have it. By understanding how the VISA & MasterCard Telephone Credit Card Scam works, you'll be better prepared to protect yourself. My husband was called on Wednesday from "VISA", and I was called on Thursday from "MasterCard". The scam works like this: Person calling says, "This is (name), and I'm calling from the Security and Fraud Department at VISA. My badge number is 12460 Your card has been flagged for an unusual purchase pattern, and I'm calling to verify. This would be on your VISA card which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a Marketing company based in Arizona?"
When you say "No", the caller continues with, "Then we will be issuing a credit to your account. This is a company we have been watching and the charges range from $297 to $497, just under the $500 purchase pattern that flags most cards. Before your next statement, the credit will be sent to(gives you your address), is that correct?" You say "yes". The caller continues - "I will be starting a Fraud investigation.If you have any questions, you should call the 1-800 number listed on the back of your card (1-800-VISA) and You will need to refer to this Control Number. The caller then gives you a 6 digit number. "Do you need me to read it again?" Here's the IMPORTANT part on how the scam works. The caller then says, "I need to verify you are in possession of your card". He'll ask you to "turn your card over and look for some numbers". There are 7 numbers; the first 4 are part of your card number, the next 3 are the Security Numbers' that verify you are the possessor of the card. These are the numbers you sometimes use to make Internet purchases to prove you have the card. The caller will ask you to read the 3 numbers to him.
After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?" After you say No, the caller then thanks you and states, "Don't hesitate to call back if you do", and hangs up. You actually say very little, and they never ask for or tell you the Card number. But after we were called on Wednesday, we called back within 20 minutes to ask a question. Are we glad we did! The REAL VISA Security Department told us it was a scam and in the last 15 minutes a new purchase of $497.99 was charged to our card. Long story made short - we made a real fraud report and closed the VISA account. VISA is reissuing us a new number. What the scammers want is the 3-digit PIN number on the back of the card.
Don't give it to them. Instead, tell them you'll call VISA or Master card directly for verification of their conversation.The real VISA told us that they will never ask for anything on the card as they already know the information since they issued the card! If you give the scammers your 3 Digit PIN Number, you think you're receiving a credit. However, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost to late and/or more difficult to actually file a fraud report. What makes this more remarkable is that on Thursday, I got a call from a "Jason Richardson of MasterCard" with a word-for-word repeat of the VISA scam. This time I didn't let him finish. I hung up!
We filed a police report, as instructed by VISA. The police said they are taking several of these reports daily! They also urged us to tell everybody we know that this scam is happening. Please pass this on to all your family and friends. By informing each other, we protect each other.
Please remember, Debtorbasher is not the original writer of this information, but it was sent to me through an E-mail...Is it true? I don't know, but it's best to be informed, just in case this is going on out there.
Was this review helpful?
Read 2 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by AML on 2005-08-29:
Posted by DebtorBasher on 2005-08-29:
Thanks AML: The link posted above by AML has a more clear explaination, showing examples of the CVV # (or ID#) on the back of the credit card, in case anyone is not sure where to find it.
Close comments
Add reply
Visa Signature Commercial On Tv !
Posted by You.email.james on 05/30/2013
TEXAS -- I would like to file a complaint on Visa Signature commercial on TV. I consider it to be very, very Racist..!. They show a small white man, being confronted by a large black man. Being intimidated by the large black man. You making fun of the white Race, showing the black race being inferior to the white race.
I think you should pull this add. soon as possible........! also believe you be
very Racist in you advertising.
I would appreciate a written reply...!.
James Wallace
Was this review helpful?
Read 3 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Jktshff1 on 2013-05-31:
Never happen us white folks are the only descriminators according to the libd
Posted by trmn8r on 2013-05-31:
Your allegation is that the white man is being made fun of by depicting black men as inferior.
I don't see how that makes sense, but it may be racist. If that is what the ad is implying, they should take it off because it makes no sense. Being racist would be a bonus.
Posted by BigAl on 2013-06-01:
I googled the commercial. The white man is not small. The black man is a well known football player. I will not argue whether or not it is racist because racism can sometimes be in the eye of the viewer. But come on now--Very very racist?
Close comments
Add reply
Survey Winnings
Posted by Quelray43 on 09/25/2012
NEWARK, OHIO -- I took a survey about ago a month ago online.....I completed the survey and did not receive MY winnings due to the fact that I only carry a Visa rush card, I was unable to receive MY gift card from Walmart or MY gift basket as well............ was upset because I feel like you should let it be known What the requirements are before we take the survey.....I took the survey, but couldn't be rewarded any of MY prizes because I wasn't a REGULAR Visa card holder.....MY RUSH CARD wasn't eve good enough to claim my prize.......i feel it was unfair and kinda under a false pretense.......
Was this review helpful?
Read 5 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by trmn8r on 2012-09-25:
I'm surprised that WallsMart conducts surveys or gives anything away. There are a lot of scams out there - could this have been one?
Posted by Jody on 2012-09-25:
They don't, it's a scam.
Posted by Slimjim on 2012-09-25:
Agree with the others. This doesn't sound like Walmart is really behind it. Be thankful on this day you didn't have a mainstream Visa, as that appears to be what the prize(target) is on their end.
Posted by Ben There on 2012-09-26:
I agree that this was probably a scam that has nothing to do with WalMart.
Posted by CrazyRedHead on 2012-09-26:
If they followed the link that is on there receipt to complete the survey then I beleive this is the only one that is legit, although I have never won anything. When you fill out the survey that is listed on the receipt then you are entered into a drawing. Just because you fill out the survey doesn't mean that you are going to get anything. I have filled out the survey a couple of times but never saw anything out of it.
Close comments
Add reply
Pay at the pump
Posted by Leet60 on 06/22/2011
Informative. As I was logging in to my bank there was a notice about Visa - below:
Visa's "Pay At The Pump" pre-authorization hold has increased to $125 and may take up to 72 hours to release from your account."
I called Visa and this information was confirmed. They did indicate that retail locations have the option to request a lower limit, but if not requested the $125.00 hold is now the general policy.
Personally I never pay at the pump with a credit card, but thought this information may be helpful to those that do.
Was this review helpful?
Read 11 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by trmn8r on 2011-06-23:
This is good information. I do pay at the pump, ALWAYS, with a credit card. I am nowhere near my limit, so holds have no affect on me personally.
Incidentally, at a station I was at the other day, there was a sign on the pump saying "Maximum Visa purchase $75". I wonder what THAT is about...
Posted by Churro on 2011-06-23:
Good info. I'll be sure to check the pre-auth online next time I pay at the pump for gas.
Regardless there has to be a better way. This is the year 2011. If the auth can hit in miliseconds then why can't the release. Silly.
Posted by whatsthepoint on 2011-06-23:
I believe you are talking about a Visa Debt card. I never use my debt card for anything other than to get cash from an ATM. I use a credit card fir everything then pay the entire bill off at the end of the month. You have a lot more protection and rights with a credit card and you are not risking your own money.
Posted by Alain on 2011-06-23:
I never pay at the pump since I usually want something inside, but this is very helpful information.
Posted by jktshff1 on 2011-06-23:
Just enter credit when using your debit card..end of problem.
Posted by Cwazychicken on 2011-06-23:
I use my vias debit card (issued by my bank, not from a store) when i get gas and it only holds 1 dollar....I guess it depends where you get it, and where you live...or perhaps what bank you use.
Posted by Anonymous on 2011-06-23:
I'm confused. I always pay at the pump with my Visa debit card, and I always use the debit option (enter PIN #). My bank does not do a pre-auth hold... what I pump is what is withdrawn, within minutes.
Posted by leet60 on 2011-06-23:
@just_cause. I expect this is in reference to those that do not enter a pin number with a debit card purchase.
Posted by Cwazychicken on 2011-06-23:
See, i never put my pin number in at the gas station. It just swipes and it takes about a day to come out (but the dollar is a hold until they take it out).
Posted by Joe on 2011-06-28:
Churro, the merchant still has to physically "batch" their card purchases at the end of the day (or longer if they choose to wait)...it's a 2 part process.
Posted by Denise on 2013-08-08:
Paid by Visa Card at the Pak n Save pump Wairau and saw a $ 150. 00 hold plus the $55. The actual cost of the petrol. We have never given authorization to put any hold on our credit card. NEVER DEAL with Foodstuffs (the parent company of PK n Save again. BUYER BE WARE
Close comments
Add reply
VISA Extended Warranty Protection
Posted by Tantris on 04/21/2011
GREAT FALLS, MONTANTA -- I want to share my experience with others so if you decide to use the Benefits Program of your VISA credit card, you will be prepared for the process.
I bought a new kitchen appliance in the summer of '09 of the same brand as the previous appliance I'd used for 18 years. After 18 months of use, something inside the door broke render it useless. The warranty is only 1 year. Then I remember this benefit feature from VISA that gives consumers double the warranty protection period. So, I called with the hope that VISA might pay for getting it fixed. I've never used the benefits that come with my credit cards in the 30 years that I've credit cards. The first time I did, it was quite a trial. Like any companies, they lose money by paying for your repair or replacement so they won't make it easy, as you can imagine.
First of all, the VISA benefits program is not administered by the bank that issues the card; I don't think it's even administered by the VISA corporation but handled by some third-party company with a contract with VISA.
To summarize what I've learned:
1) Before you call, check with your credit card or find the booklet that describes the benefits to verify what benefits you card entitles you. Benefits like purchase protection, price protection, extended protection, return protection, etc. are pretty much standard for most cards nowadays, and not limited to "premium" cards anymore.
2) Afterward, call the benefit admin number and discuss the situation with them. When I called the number, I was immediately told my card didn't come with extended protection although I'd the benefit booklet right in front of me that says I do. They told me to call the issuing bank to sort it out instead. Don't waste your time like I did. Call back in a little while and another agent probably will be more competent and can start the process rolling. I don't know if they did it on purpose or it was just a fluke but my experience already didn't start out well. The first step is for them to send (snail mail) or fax you the forms to fill out. No emails exchange.
2) Don't expect to get an answer or find out how much they'll compensate you right away. The rules are that if your purchase is less than $100, they'll reimburse you for the purchase of a new item (up to your original purchase price, naturally.) Anything over $100 is more problematic. They'll either pay for the repair or a replacement depending which cost less. Totally understandable and makes perfect business sense.
3) Get your item to an authorized service provider and have them give you an estimate in writing, you'll need that despite what they might tell you. It makes sense since they need an estimate to see if that's cheaper than reimbursing you for a new one. But for some reasons, they told me I SHOULD NOT go to get an estimate, just send back the paperwork and they'll decide if I get a repair or replacement. When I question how they could make a decision without a repair estimate to compare, they kept saying that they're trying to make it easier for me. Well, don't believe them, get that estimate from an authorized service center right away or you're just delaying the process!
4) Every time you mail or fax anything over to them, it will take 1 day to log the information into the system and then "up to" 5 business days to make a decision and get back to you. Don't expect to be called in less than 5 days. Count yourself lucky if it's less than 5 days because they'll wait until the fifth days to call. And if you don't have call waiting and they call when your phone is busy, they'll consider their job done and unlikely to call back unless you call them. The very day they promised to call, I used the phone once in the afternoon and that just happened to be the time the benefit manager called. When I didn't get a call at the end of that day, I called to inquire and was told she called earlier and the phone was busy. That's all the agent said and no apology, no offer to patch me to the benefit manager. Now, I've to say the agents are polite and business-like, but there's an indifference attitude when we communicated. When I asked to speak to the benefit manager, the agent said she was not available. So I asked if she'd call me back. The agent said yes but she had up to 72 hours to do so. To their credit, she called in 2 hours. She said the paperwork was in order but they needed the repair estimate in order to decide how much to reimburse me. I asked her why then was I told not to bring it to the repair shop for an estimate when I first called, the process could've been sped up, she said the agents shouldn't have told me that, blah, blah, blah. She assured me that after they got the estimate, she would be able to make a decision "right away." Well, there is no such thing as "right away" because it would still take another 5 business days before contacting me.
Let me give you an idea the length of time to put the whole process in perspective. Using fax will speed things up a little.
1) Took 4 days from calling to receiving the forms by postal mail.
2) Returned the forms the same day via postal mail and they logged the forms into the system. That took a total of 5 days including weekends.
3) A benefit manager called 5 business days after the forms were logged in. (7 days including weekends)
4) Went to the repair shop the next day, got the estimate in 2 days and faxed it back. (3 days).
5) 1 day to log in the info, then another 5 business days to call back. (10 days including weekends)
6) I was approved to purchase a new appliance. I faxed them the receipt on the same day. It took another day to log in the fax and 5 business days to let me know if my receipt was accepted. (8 days including weekends)
7) I was notified that the amount on the receipt was approved and I would received a check in 7 to 10 business days. The check arrived in 4 days.
The whole process took 41 days, almost 6 weeks.
Using fax and getting your estimate ready should shave off 2 weeks. In my case, every single decision took all 5 business days to attain and every time I send something over, it took 1 day to log in the info and another 5 business days to advance to the next step. So, if you do want to take advantage of your VISA benefits program, brace yourself for the process and the wait, you'll get what you're entitled but you'll have to be patient.
Was this review helpful?
Read 6 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Anonymous on 2011-04-21:
Excellent write-up Tantris. I'm gonna bookmark it for future reference. I love your tenacity man.
This is one of the better reviews I've read in quite awhile. Thanks for posting it.
Posted by Anonymous on 2011-04-21:
Excellent review! I've always wondered about this process.
Posted by Whiteduck on 2011-04-21:
I've never heard of anyone taking advantage of the credit card warranty. It's great to hear that it can work, albeit slowly.
Thanks for a great writeup.
Posted by gautha on 2012-01-13:
Excellent review and absolutely true. I logged a claim for my elliptical exercise equipment and I had already sent a copy of my invoice, warranty statment and credit card statement a week after I purchased the equipment. Now after close to 16 months something goes wrong and they take exactly 5 days to get back after each step. To tell me that I had to give them a repair estimate it took them 5 days and after faxing the repair estimate i am still on the 4th day now and no news yet!!!
Posted by stamamoto on 2013-04-15:
I found this website because I was trying to get help with getting a replacement or refund from my Visa Signature Card. I called the credit card company and VISA to get help. I'm writing to warn people that the extended warranty isn't always what they make it out to be. I purchased some computer hardware which failed after a few months. I went to the manufacturer to try and get help on a replacement or repair. After 4 months, I still didn't have a working part. I called VISA to get help because of the extended protection. Their customer service said that because the part failed during the manufacturer's warranty, which was still valid, they would not be able to help me because the VISA warranty only starts after the manufacturer's warranty runs out. In addition, they only cover repairs for incidents that occur after the manufacturer's warranty runs out. So, if the manufactur never helps me with my problem, VISA will not help me either.
Posted by Mike on 2013-07-03:
Excellent write-up. Thank you.
I'm in the process of trying to get reimbursement for a LG dehumidifier that failed in 18 months after purchase.
A few important points that are worth mentioning. First of all, the extra 1-year VISA warranty applies only if the original manufacturer's warranty was 1-year. In my case, the compressor of the dehumidifier had 5-y. manufacturer's warranty, and the rest of the device- 1-year warranty. They told me right away that if the problem is in the compressor, they won't cover anything. It's interesting to note that I had another LG dehumidifier (same manuf. warranty) that failed 25 months after purchase, and VISA wouldn't cover anything at all because it was more than 2 years after purchase. Apparently, the compressor wasn't covered by VISA at all. So yes, the original manuf warranty has to be 1-year in order to receive any benefits from VISA.
Now, after I sent them all listed documents including the repair pre-estimate (the repair would be more expensive than the unit, of course), I received a request to send them an itemized receipt for a replacement unit. You MUST buy a replacement before they issue any benefits. And no, they're not going to reimburse you based on the original sale amount vs. repair pre-estimate. What if I'm not going to buy any replacements? Well, then there will be no reimbursement from VISA. Sounds like a scam to me, but I guess it's not unique to VISA.
Close comments
Add reply
Beware Of Fraudulent Reward660
Posted by Rdrage2003 on 10/22/2009
OAKS, PENNSYLVANIA -- I had gotten a card in the mail that I never ordered, I opened it to see what it was and it was the card asking me to activate it and add money to it? I called the company and told them I never asked for the card and sent it back to them? now they are charging my card with interest and the fees and late charges that I do not have? I have never used this card or did I have one, just sent it back after I called them?
So please beware of this card, if you have one please check it out first, they are screwing everyone over and sending them to the collection companies of Jefferson capital systems, LLC and also first national collection Bureau, INC.
Not sure why but this needs to stop.
Was this review helpful?
Read 1 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by tnchuck100 on 2009-10-22:
You need to start building a paper trail. Send them a certified letter/return receipt requested. Outline everything that has transpired to this point. Communicate with them ONLY in writing. Not by phone.
If it ever gets to a collection agency immediately demand proof of the debt. Again, certified mail, return receipt requested.
Do not ignore anything you may receive from a court regarding this.
Close comments
Add reply
Excessive Charges/Inadequate Disclosure
Posted by on 07/11/2009
CLASS ACTION AGAINST VISA USA AND COOPERATING BANKS-We represent holders of VISA Gift Cards from Pennsylvania and California. We are about to commence a Class Action on behalf of all victims of the sellers/issuers of these cards who have not gotten their full value. If you have information about your experiences with VISA Gift Cards that you wish to have included in the Complaint, please do not hesitate to contact me. It is not necessary to make any reference to your name or address in the Complaint. If you contact me by email and provide a phone number, someone from our firm will call you. Otherwise, you will receive a response by return email.
whitheatrdg@earthlink. net
Was this review helpful?
Add reply
Review Link:
Black Friday Debacle
Posted by RoswellRAGER on 11/28/2008
ATLANTA, GEORGIA -- A little background. I have been a Chase Visa Customer for the past 7 years. My wife and I actually run out entire household budget out of this card, which we promptly pay off every month. We do this mainly for hotel reward points, and typically run a fairly large bill each month. That has never been paid a moment late. I would hazard to guess that we have one of the best payment records of 98% of all or their card members. Today during the annual black Friday shopping event my wife had our card declined 3 times for 200.00 in purchases. The customer service folks told us it was for security. Our available credit is in the tens of thousands of dollars. She worked with customer service for over an hour to get out small transaction approved and Customer service actually hung up on her once. Not to mention that this delay caused her to miss several of the prized and time sensitive doorbusters. Customer service seemed powerless to make thing happen and when I call they put me on hold and eventually disconnect me.
This card is definitely cancelled I can't believe in these days where everyone defaults this company treats a first class customer like me to this complete debacle. I will never have a visa card again..
Was this review helpful?
Read 5 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Anonymous on 2008-11-28:
All credit cards operate the same way. Their system detected 3 large amount purchases in a short time period. This causes the card to be automatically denied. Let's say your card had been stolen. The thief would attempt to make as many purchases, usually high priced items, as possible before you reported the card stolen. They would cut off the card until they heard from you.
Posted by Anonymous on 2008-11-28:
PB.... I don't think there were three large purchases, it sounds like they tried the card 3 times for a single $200 purchase. I'd be PO'ed too.
Posted by yoke on 2008-11-28:
Agree with passinby. We had that happen a few months ago. We were out shopping and the card was declined. I was embarassed at first, but then I called and I was told the reason it was declined was the fact we had done 3 transactions in less than an hour in 3 different stores and it was not our normal pattern. They were only protecting us.
Posted by bigboxworker on 2008-11-28:
Yep as someone who has worked with Point of Sale systems for years, I can tell you this happens quite often when you make several large purchases within a very short time span. The card will either be declined or the cashier will be asked to call in manually for an authorization. Everytime you credit card is swiped it goes through a computer system that determines the risk level of the transaction; if its over a certain threshold the card will be denied or the merchant will be asked to call for authorizaiton. Happens all the time especially with VISA and American Express Cards.
Posted by Anonymous on 2009-11-28:
If your card were stolen you would be complaining that they let the charges go through.
Close comments
Add reply
Great card for people with poor credit
Posted by Tonya y. on 11/13/2007
VICKSBURG, MISSISSIPPI -- I am really glad I came upon this card. It is very helpful that someone is willing to give me a chance to establish my credit. I have tried all kinds of credit card co. that proclaim they will give you a card even with bad credit to be turned down is a disappointment.
I feel that people with bad credit should stop complaining and be happy that someone out there is willing to take a risk in giving them a second chance.
Was this review helpful?
Read 10 Replies
Add reply
Review Link:
User Replies:
Close comments
Posted by Anonymous on 2007-11-13:
Tonya, I just looked up this card offer through Google. Those fees can further damage your credit rating, alone.
I feel that they are giving you a chance, to GIVE your money away, and, further ruin your credit rating.
I don't know you, and, I don't know your situation. So, I'm not beating you up, here. Credit cards like this aren't always the best way to try and repair your credit.
OTOH, I applaud you for wanting to improve your credit rating. I just want you to realize that there may be better ways to do this, without opening a new credit account.
Posted by tnchuck100 on 2007-11-14:
I checked it out also. Listen to emt_c on this. This card is designed to make you fail. If you keep it you will need to stay extremely vigilant. It can take itself over the limit with its fees alone even if you don't buy anything with it.
Posted by Anonymous on 2007-11-14:
My goodness, I too googled this company and I gotta be honest I figured such practices were illegal.
Here's the offer from their website.
Annual Fee $48
Credit Line: $300
Account setup fee: $97
One-time Program fee $95
Participation fee: $10 per month
So basically you're paying $240.00 up front for a credit limit of $300. Then to add insult to injury they charge $10 bucks a month to have the card plus after a year another $48. Using this card to reestablish credit would be like cutting your head off to cure a tooth ache. There has to be a better way.
Posted by DigitalCommando on 2007-11-14:
Emt c pointed it out, tnchuck confirmed it, and stew drove a stake through it's heart, Good job guys! you probably just saved a few people from credit hell. Maybe that card should be called Visa 666.
Posted by Anonymous on 2007-11-14:
Go to your local credit union and put the $240.00 on a pre-paid debit card. After a few months the credit union should convert the debit card over to a credit card if you have been using it without OD fee's and such.
Posted by Anonymous on 2007-11-14:
Put the money in your pocket and say the he11 with credit!
Posted by MRM on 2007-11-14:
Tony Yayo, I suggest that you stay away from this evil card. Can you believe you have to pay to see your credit score (not the credit report).
Posted by Anonymous on 2007-11-14:
Lid's, you need a CC or at least a debit card to rent a hotel room or a rental car these days. It is near impossible to go thru life without them anymore.
Posted by Anonymous on 2007-11-14:
Super, I know and your right I find it somewhat disturbing though.
Posted by CrazyRedHead on 2007-11-14:
I have a CC that started out with a $300.00 (now $500.00) credit limit and with only a $69.00 annual fee, and since I pay off my balance in full every month there is no finance charge. I screwed up my credit when I was younger and now I am paying for it dearly. I have gotten offers for these credit cards, but have declined them all. The latest one that I got had a annual fee of $150.00, APR of 19.9%, credit line of $300.00. I forget what the set up fee and participation fee was but after the dust clears you have a available balance of about $50.00. If you depend upon your CC, a card like this will put you in a hole faster than if you dug it yourself.
Close comments
Add reply
Next Page >
Top of Page
Next Page >
Consumer Resources
Company Responses
Site Rules
Terms & Conditions
Privacy Policy
Contact Us


text: Law students that complete 50 hours of approved public interest work such as charitable work, pro bono work or work in public service such as work in a district attorney's office during their law school career will be admitted as fellows of the Public Interest Law Society upon graduation. Membership in the Faulkner Law Public Interest Law Society illustrates the law student's commitment to service. Membership also includes a notation of service on their transcript, special recognition in the graduation program, and eligibility for the Distinguished Public Interest Fellow Award.

subset: commoncrawl


text:
230 Mountain Rd, Pasadena, MD | Directions 2112239.131772 -76.563638
Sun - Thu, 10am - 9pm; Fri - Sat, 9am - 10pm
Neighborhoods: Glen Burnie
Extremely Displeased – Normally I love this place, but I think it is going down hill rapidly. The service has slipped to an all time low and it spans several employees and at least 1 of the 6 owners. With this establishment having that many different owners I am not surprised that the structure is falling apart. I ordered our food, and it was very chaotic, it didn't seem like anyone really knew what there jobs were. The area where you sit was full so we decided to sit in the tables in the enclosed patio area where you could still hear them call the numbers over the loud speaker and see them prepare the food; our number was never called over the loud speaker. Our food sat on the top getting cold, We didn't even recognize it as our order as half of it was missing and had corn which we did not order and it was covered in old bay which we ordered it without. When I asked where my 2 lbs of crab legs were, a lady behind the counter asked another worker who responded to her "Well, he's sh*t out of luck". We requested to see a manager and while waiting two employees flipped each other off. When we complained with the one owner, Bud, his response was "What do you want me to do about it?" Unacceptable! If he would have at least acted sympathetic, I would have thought twice about coming back. As it is, I'm not even going to bother.
Amazing Raw Seafood Bar – We are huge fans of thier fresh seafood, shrimp, scallops, fish, etc... Crabs are also very good, but keep in mind, the more you pay for them, the bigger the size:) The carryout, which you can also order and eat in can be tricky, some of thier platters are good, some not so good, and they are quite pricy at times but they have specials posted on a board everyday. They have a huge covered outdoor space that is great in the summer and large picnic tables inside which you share with other customers which is nice for meeting new people. There are also beer, sodas, and desserts to choose from ,long story short, great food, great atmosphere, and prices that are fair for the food !!
Definitely NOT accurate reviews... – There is no table service at this restaurant. You walk up to order your food and carry it back to your table when it's done. Most tables are outside in a tent-like area. 2 very small stuffed shrimp with a lot of breading and no lump crab whatsover costs you $20. A cup of lukewarm, not-so-great cream of crab costs you $6. 2 kids and 2 adults generated a bill of $89 for mediocre food with minimal leftovers (4 sodas, 2 soups, clam strips, fish & chips, pathetic stuffed shrimp, and crab cake and shrimp). If anyone from Maryland thinks that this place is top-notch, you must never leave the block.
Fresh, fat, sweet crabs – Ate here for the first time this weekend and we'll be going back again. We've eaten crabs at many, many places and these were some of the best we've had anywhere.
Cole slaw was wonderful, too!
Gotta know what to get and what not to get – Anyone who thinks 475 for a hotdog is insane, however certain carryout items are decently priced and most if not all food is delicious whether overprised or not. Beter bring 10 bucks a person if you want to eat and drink something.
Dont waste your cash – I called after I paid $50 for 12 jumbo soft crabs. When I got home 40 mins away , I noticed the sizes were random. 3 jumbo and 8 other " SMALL"
Notice the total amount is only 11. When I called and spoke to D I C K the owner he showed no concern and put the blame on whoever sent them the soft crabs.
He also said the soft crabs are sorted! I asked by who and do they know how to count to 12 ? Do they know the difference between small and jumbo ?
His only comment was they offer 2 sizes larger than jumbo! " which they didn't have " All they had were jumbo and something much smaller, What a poor business owner , Dosent even know what he has on display for sale and again places blame with someone else.
POOR customer service and over priced seafood.
Perfect place for steamed or fried seafood. – Living in Maryland all my life, I am always on the lookout for good seafood restaurants. Anne Arundel is overrun with restaurants offering fancy seafood dishes or way overpriced steamed seafood.
Therefore I was delighted to find this place. They have steamed blue crabs, alaskan crabs, mussels, clams, and shrimp. And you can get a variety of fried seafood items. Nothing fancy, just great seafood relatively inexpensive.
I have been there 3 times and have tried both types of crabs. I am very picky about my crabs. These were full and cooked properly. The mussels and shrimp were also very good.
On my next trip, I am going to try the crab cakes. Another customer said they are awesome.
RIP OFF! BEWARE, OVERRATED, Bad Customer Service – HORRIBLE and WAYY OVERRATED! We have lived in this area our entire lives but had never tried this place. We had found a coupon for buy one entree get the 2nd half off so we thought we'd give it a try one night--huge mistake! I ordered the crabcake and shrimp platter and my wife ordered the crab imperial platter. Both were available either platter or a la carte, the only difference is the platter includes 2 sides. After ordering, paying and sitting down. My wife noticed that it was actually cheaper to buy her meal seperate instead of the platter which makes no sense whatsoever--you'd think it be the other way around. We weren't talking about a few cents here either, it was more than $5 cheaper to buy the crab imperial a la carte and add on 2 sides. We spoke to an employee to see if this was a mistake and maybe the market prices hadn't been changed--ha what a joke! The employee, who turned out to be the owner, did in fact know this was the case and had the nerve to tell us by ordering everything seperate you actually get larger portions of the side items! We explained that this was a first time at their establishment and had no idea how it was set up...her response "well you'll next time!" Are you serious? This is how you treat your customers, especially newcomers, unreal! Did i mention that their credit card machine was conventiently broke so we were forced to use THEIR atm machine to pay for our $60.00 dinner plus the $3 atm service charge. I loved the sign they had hanging up on the wall--have a compliment or complaint, ask to see one of the owners, we'd love to hear about it.....what a joke! BEWARE--RIPOFF and OVERPRICED!
BEST PLACE IN TOWN FOR SEAFOOD – anne arundel seafood on 230 mountain road pasadena, md. this place is the bomb and has the freshest seafood on the east coast. we are a weekly diner here. always the help and food is wonderful. pick and choose any seafood and have it steamed to your liking. picnic tables in and outside on a covered deck. draft and bottle beer, many flavors...other side of restaurant has steamed crabs(all year round) and every type of fresh seafood fried to your liking. homemade salads and soups, oysters and clams on the half shell and prices are very reasonable. you will not leave hungry. the fish sandwich and jumbo fried shrimp and fresh softcrab sandwich are my favorites
Fresh seafood – We live very close to this place and eat there all the time. The very casual atmosphere is fun and the food is fantastic. We take all our friends and visitors there to relax, eat great seafood, and drink a pitcher or two. Highly recommend this place on any night of the week for a fun, relaxing dinner.
View more Reviews for Anne Arundel Seafood
Sign in with Facebook Sign in with Facebook to see what your friends are up to!
Do you have a review of Anne Arundel Seafood on your blog? If you include the Citysearch image link (shown below) in your post, we'll automatically link to your review from the business profile page. Here's how our Linkback system works:
The Linkback system is free and automatic. It's really that easy.
To link to our business profile page, copy the html below to your web page.


text:
Adverse Prognostic Features in Chronic Lymphocytic Leukemia
Adverse Prognostic Features in Chronic Lymphocytic Leukemia
ABSTRACT: Patients with chronic lymphocytic leukemia (CLL) can have variable courses, from indolent disease to rapid progression with limited response to treatment. The Rai and Binet staging systems were the first to classify patients into prognostic categories. Newer prognostic markers that correlate with shorter time to progression and time to treatment include elevated serum β2M, TK, ZAP-70, and CD38, as well as unmutated IgVH. Abnormal cytogenetics are found in the majority of patients with CLL. Del(17p), as well as mutations of TP53, is associated with an aggressive clinical course and short overall survival. Nearly one-fifth of patients have del(11q) and have a significantly shorter median progression-free survival; mutations in the ATM gene, located on 11q, may also have adverse prognostic implications. Intermediate-risk cytogenetic findings include trisomy 12 and del(6q). Patients with del(17p) should be evaluated for novel agents and/or allogeneic stem cell transplantation in first remission. Patients with del(11q) require treatment with an alkylating agent in addition to nucleoside analogs and rituximab, and patients with trisomy 12q may express higher levels of CD20, thereby making the malignant cells more susceptible to biologic agents that target CD20. Despite advances in stratifying patients and improved chemoimmunotherapeutic regimens, additional research in prognostication and treatment is needed.
Chronic lymphocytic leukemia (CLL) is a chronic lymphoproliferative disorder characterized by monoclonal lymphocytosis. Between 2003 and 2008, the age-adjusted incidence rate was 4.2 per 100,000 persons per year, with an annual age-adjusted death rate of 1.5 per 100,000.[1] Although CLL has historically been considered an indolent, slow-growing disease, it progresses rapidly in some patients and they die within 2 to 3 years of diagnosis. Given the heterogeneous nature of the disease course, accurate predictors of prognosis are valuable for the clinical care and counseling of patients. The majority of patients are asymptomatic at the time of diagnosis, and use of a variety of prognostic measures can predict rapid disease progression and responses to treatment (Table). Although models for determining prognosis for patients with CLL have existed for over 35 years, these relied on simple clinical characteristics such as physical examination findings and blood counts. The complex biologic pathways in CLL are gradually being revealed, and the implications of abnormalities in these pathways, both for treatment and prognosis, are adding to our understanding of this heterogeneous disease.
Early Prognostic Classification Models
The first prognostic model was proposed in 1975 by Rai et al. The Rai staging system uses the presence or absence of lymphadenopathy, organomegaly, anemia, and thrombocytopenia to classify patients into one of five stages, stage 0 through stage IV. Median survival for these stages has been found to range from 19 months for stages III and IV to > 150 months for stage 0.[2].
The Binet staging system classifies patients into three categories based on the number of lymphoid tissues involved—including cervical, axillary, and inguinal lymph nodes, as well as liver and spleen—and the presence of anemia and/or thrombocytopenia. Group A patients have no thrombocytopenia or anemia and fewer than three lymphoid tissues involved, group B patients have no thrombocytopenia or anemia but three or more lymphoid tissues involved, and Group C patients have anemia and/or thrombocytopenia. Published median survival rates in these patients ranged from 2 years for patients in stage C to a survival similar to that of age-matched controls for patients in stage A.[3] However, these two staging systems examine patients' clinical status at a single point in time and cannot differentiate between indolent disease and disease that will subsequently become aggressive.
The lymphocyte doubling time, defined as the length of time it takes the absolute lymphocyte count to double from diagnosis, has also been found to have prognostic value in patients with CLL. In one study, those patients whose lymphocyte counts doubled in less than 12 months had a significantly shorter median survival (36 months), whereas those with a longer lymphocyte doubling time experienced longer overall survival (OS) (median survival was not reached).[4] Patterns seen on bone marrow examination also have prognostic value. A diffuse pattern of involvement, including destruction of normal bone marrow architecture and replacement of hematopoietic cells and fat cells with lymphocytes, was associated with decreased OS.[5] Lymphocyte doubling time requires serial blood measurements over time; in addition, the absolute lymphocyte count can vary as a result of other events unrelated to the malignancy. Bone marrow examination is invasive and requires a certain degree of subjectivity, and a diffuse pattern is more often seen in patients who present with already advanced disease. Therefore, these two prognostic factors have significant limitations.
Newer Prognostic Factors
Recent research has been directed toward biomarkers and genetic abnormalities that are independent of clinical stage. These abnormalities include IgVH mutation status as well as ZAP-70 and CD38 expression.
Serum levels of beta 2 microglobulin (β2M), a component of the HLA class I complex on nucleated cells, are elevated in a variety of hematologic malignancies.[6] Measurement of β2M in serum is easy, fast, inexpensive, and highly reproducible. Serum β2M levels correlate with progression-free survival (PFS).[6-8] Patients with β2M levels less than 3.5 mg/L have a substantially longer time to progression than those with levels greater than 3.5 mg/L,[6] and elevated β2M levels are associated with lower rates of complete remission and shorter failure-free and overall survival.[9, 10] Adjusting the β2M level for creatinine clearance may improve its predictive ability.[11]
Thymidine kinase (TK) is an intracellular protein involved in a salvage pathway for DNA synthesis, so increased expression of TK may reflect increased lymphocyte proliferation. Elevated levels of TK are predictive of disease progression,[6] although there is some disagreement on the optimal value to use to stratify patients. In a small study of 58 patients, TK > 15 U/L was the single best predictor of germ-line IgVH status, with a predictive value of 86%.[12] Using the value of 8.5 U/L as a cutoff, Matthews et al found that TK level correlated with rapid lymphocyte doubling time, time to progression, ZAP-70 expression, CD38 expression, and poor prognostic cytogenetic findings.[13] TK has been shown to have treatment implications as well; levels greater than 10 U/L are associated with a lower rate of response to treatment with fludarabine.[14]
Mutations in the immunoglobulin heavy chain variable gene (IgVH), defined as a greater than 2% difference from the germ-line nucleotide sequence, are seen in approximately 50% of patients and are associated with longer survival.[15,16] In one study, patients with IgVH mutations had a median survival of 293 months, whereas those with the germ-line DNA sequence had a median survival of 95 months.[15] Once patients have been treated, mutation status does not affect the chance of complete remission (CR) in those receiving fludarabine, cyclophosphamide, and rituximab (Rituxan) (FCR); however, patients with unmutated IgVH had a shorter remission duration (47% vs 82% at 6 years).[17] Mutation status remains a prognostic factor even after autologous stem cell transplantation.[18] However, determination of the presence of somatic mutations in the IgVH region requires DNA sequencing, which is not readily available, so the test is difficult to perform in many centers.
Zeta chain associated protein 70 (ZAP-70) is a tyrosine kinase involved in cellular signaling of T cells; it is abnormally expressed in the malignant B cells of some patients with CLL. It is measured by flow cytometry,[19] and its expression has been shown to correlate with the presence of unmutated IgVH genes.[20] ZAP-70 overexpression has been observed in 36% to 57% of study populations; [21-24] however, these trials have used different cutoff values for abnormal expression. It is now generally accepted that expression of ZAP-70 in the cytoplasm of more than 20% of cells represents abnormally high expression.[23,24] ZAP-70 positivity portends a poor prognosis and a shorter time to treatment compared with ZAP-70 negativity; times to treatment were reported as 34 vs 130 months in one study[24] and 2.6 vs 8.4 years in another.[23] The level of ZAP-70 expression was not found to change significantly over the duration of the study.[24] ZAP-70 is highly expressed by T cells, which may cloud interpretation of results; in addition, unlike β2M, it is an intracellular protein, which makes flow cytometry more difficult. Measurement of ZAP-70 by flow cytometry is also highly variable and can depend on the conditions of the sample, its handling and preparation, and the methodology and materials used.[23,25]
CD38, a cell surface glycoprotein normally expressed in a wide variety of hematopoietic cells,[26] is easily measured by flow cytometry in the laboratory.[24] Like ZAP-70, CD38 positivity is associated with faster progression, resistance to treatment, and decreased OS; its expression also correlates with IgVH mutation status.[27,28] In one study, however, there was a 28% discordance rate between CD38 expression and IgVH mutation status, indicating that they are independent prognostic indicators [27]. Studies have reported that 29% to 47% of patients demonstrate CD38 positivity (CD38+), which in most cases (but not all) is defined as expression in 30% or more of cells as determined by flow cytometry.[16,23,24,26-28] Rassenti et al reported a clinically significant difference of 1.7 years between diagnosis and first treatment for CD38+ vs CD38- patients (4.0 vs 5.7 years).[23] Reported median survival for CD38+ patients is shorter (range, 30 months to 10 years) compared with that in CD38- patients (range, 100 months to longer than the study period).[16,24,26-28]. CD38 levels may change throughout the course of the disease.[27]


text:
April 24, 2014
November 6, 2012
The Associated Press is projecting first-term Republican Rep. Robert Hurt will win re-election in Virginia's 5th District over Democratic challenge Gen. John Douglass.
The comments sections of Newsplex.com are designed for thoughtful, intelligent conversation and debate. We want to hear from our viewers, but we only ask that you use your best judgment. E-mail is required, but will not be displayed with comment.
As a host Newsplex.com welcomes a wide spectrum of opinions. However this is a site that we host. We have a responsibility to all our readers to try to keep our comment section fair and decent. For that reason The Newsplex reserves the right to not post or to remove any comment.
If you have any ideas to improve the conversation or this section let us know. Send an e-mail to firstname.lastname@example.com.
powered by Disqus


text:
First-Year Orientation & Christian University Success
"Connecting New Students to Campus, Classmates,
College Life & Christ"
Hello Future Lancers!
We are excited for you to join us this Fall and are thrilled to have you as members of our CBU family. Our team is hard at work preparing for your arrival. Our goal is for you to feel welcomed and connected during this important time of transition.
Fall 2014 New Student Orientation will be Thursday, August 28 - Sunday, August 31, 2014.
If you wish to apply to live on campus or have specific questions about housing, please email firstname.lastname@example.com or call the Residence Life Office at 951.552.8000.
We are looking forward to meeting you! If you have any questions, please contact the Campus Life Office at 951.343.4300 or email email@example.com. We will be updating this site and will send you more information as Orientation approaches. See you in the Fall!
Kelli Welzel
New Student Programs


text:
Gazprom, official partner of the UEFA Champions League, has today announced Chelsea Football Club's involvement in their corporate social responsibility project 'Football for Friendship'.
'Football for Friendship' is coming to the UK later this month and is looking to use sport as a way of bringing together boys and girls aged 10 to 16 from across Europe, encouraging children to live their lives through their love of sport. It will culminate in the world's first International Children's Forum for sport on the morning of the UEFA Champions League Final on 25 May in London.
The Forum will be hosted by Gazprom's global ambassador for the scheme, football legend Franz Beckenbauer, and will give the kids involved the chance to quiz him about football and his life experiences in and out of the world of sport.
It is part of the Gazprom for Children programme, which has spent 26.9 billion rubles (around £550 million) on improving sporting facilities for kids since 2007. This includes rebuilding both sports complexes and community sports grounds, engaging coaches and instructors, providing equipment and staging festivals and sports competitions for local kids.
Chelsea FC will be providing a team of kids to take part in the forum from one of our social inclusion programmes, Kickz; a national programme which uses the power of football to target disadvantaged areas.
The Chelsea Foundation runs Kickz programmes in Wandsworth, Kensington and Chelsea, Hammersmith and Fulham and Westminster. The social aims of Kickz mirror those of 'Football for Friendship', which look to create safer, stronger and more respectful communities through the development of young people's potential.
Minister for Sport and Tourism Hugh Robertson said: 'The Football for Friendship scheme is a great opportunity for young people from across Europe to come together through the power of sport. The Kickz programme has been a huge success encouraging sports participation, helping to deliver on social cohesion and changing lives for the better.
'It's great that participants from Westminster Kickz will be a part of Football for Friendship and attend the Champions League Final at Wembley, an experience that will no doubt live long in their memories.'
Gazprom will be flying around 700 children over from Europe to take part in the 'Football for Friendship' Forum in Central London and it will include representatives from the UK, Germany, Russia, Serbia, Bulgaria, Hungary, Slovenia and Greece. After the excitement of the Forum, Gazprom will then take the participants to the UEFA Champions League Final at Wembley Stadium.
The involvement of the Westminster branch of Kickz in the 'Football for Friendship' project is a great opportunity for the Pimlico-based boys and girls to learn from the hundreds of other like-minded kids from across Europe taking part in the Forum. They will all have a common ground to create friendships around and will all have experienced the problems of growing up in a troubled environment. There will also be teams from two orphanages in Russia taking part in the event so there really is fantastic scope for reaching out to all corners of youth development.
Kickz volunteer Michel Kokonis was thrilled to hear about the opportunity to take some of the Kickz kids to the 'Football for Friendship' Forum:
'The Chelsea FC Foundation operates the Kickz project across many London boroughs and is a scheme designed to provide young people the chance to play football in the evening inside their estates and community.
'Having the chance to send a team of Kickz kids from the Westminster project to the Gazprom 'Football for Friendship' Forum is a fantastic opportunity for them to experience the opportunities football can bring to their daily lives.
'By meeting 700 other children from similar backgrounds from across Europe it will show the kids that they're not alone in the struggles they wake up to every day. It's the chance of a lifetime and something that most kids could only dream of being involved in.'


text:
Narendra Wajapeyee PhD
Assistant Professor of Pathology
Research Interests
Cancer; Genomics; RNAi; Senescence; DNA methylation; RNAi delivery to cancer cells
Research Summary
Cancer is a complex disease and typically involves multiple gene-specific and global genetic and epigenetic changes in human genome. The major class of genes that has been causally linked to the process of tumorigensis is tumor suppressors, which acts as a "breaks" and oncogenes, which functions as "accelerators" and typically promotes cancer. Recently, microRNAs are also linked to cancer wherein they can function either as tumor suppressors or oncogenes. The focus of our lab is to understand the mechanisms of genetic and epigenetic regulation of cancer causing genes and translating this understanding for early detection and treatment of human cancers.
Selected Publications
- Arvindhan Nagarajan, Shaillay K. Dogra, Alex Y. Liu, Michael R. Green and Narendra Wajapeyee. PEA15 regulates the DNA damage induced cell cycle checkpoint and oncogene-directed transformation. Molecular and Cellular Biology, March 31st, 2014 (in press).
- Matteo Forloni, Shaillay Kumar Dogra, Yuying Dong, Darryl Conte Jr, Jianhong Ou, Lihua Julie Zhu, April Deng, Meera Mahalingam, Michael R. Green and Narendra Wajapeyee. miR-146a promotes the initiation and progression of melanoma by activating Notch signaling. Elife, Feb 18; 3:e01460.2014
- Yuying Dong, JoAnna Richards, Romi Gupta, Yuval Kluger, Phuy Phuy Aung, Meera Mahalingam, Narendra Wajapeyee. PTEN functions as a melanoma tumor suppressor by regulating host immune response. Oncogene, Oct 21st, 2013 [Epub ahead of print].
- Narendra Wajapeyee*, Sunil K. Malonia, Rajendra K. Palakurthy, and Michael R. Green*. Oncogenic RAS directs silencing of tumor suppressor genes through ordered recruitment of transcriptional repressors. Genes and Development Oct 15; 27(20):2221-6, 2013. * Joint-corresponding authors
- Minggang Feng, Fen Xia, Meera Mahalingam, Amy Virbasius, Narendra Wajapeyee, Michael R. Green. MEN1 is a melanoma tumor suppressor that preserves genomic integrity by stimulating transcription of genes that promote homologous recombination-directed DNA repair. Mol Cell Biol. 2013 Jul;33(13):2635-47.
- Narendra Wajapeyee#, Shu-Zong Wang, Ryan W. Serra, Peter D. Solomon, Arvindhan Nagarajan, Xiaochun Zhu and Michael R. Green# Blood, 115: 5057-5060, June 17th, 2010. Senescence induction in human fibroblasts and hematopoietic progenitors by leukemogenic fusion-proteins # Joint corresponding authors
- Rajendra K. Palakurthy#, Narendra Wajapeyee#, Manas Kumar Santra, Ling Lin, Stephane Gobeil, Claude Gazin, and Michael R. Green. Epigenetic Silencing of RASSF1A tumor suppressor Genethrough HOXB3-Mediated Induction of DNMT3B Expression. Molecular Cell (Oct 23, 2009). # Co-first author
- Manas K. Santra#, Narendra Wajapeyee# and Michael R. Green. F-Box Protein FBXO31 Mediates Cyclin D1 Degradation to Induce G1 Arrest Following DNA Damage. Nature, 4th June, 2009.459: 722-5.# Co-first author
- Narendra Wajapeyee, Ryan Serra, XiaChun Zhu, Meera Mahalingam and Michael R Green. Oncogenic BRAF induces Senesences through an Autocrine/Paracrine pathway by the Secreted Protein IGFBP7. Cell , 8th Feb 2008. 132; 363-74
- Claude Gazin#, Narendra Wajapeyee#, Stephan Gobeil, Amy Virbasius and Michael R Green. An Elaborate Pathway Required for Ras-Mediated Epigenetic Silencing. Nature 25th October, 2007. 449; 1073-7. # Co-first author


text:
Click tags below to limit the list to only documents with your selected tags.
Showing documents with all these tags. Click a tag to remove it.Poland Asia/Pacific United Kingdom Brazil Norway Middle East and Africa Financial Regulation Pacific Saudi Arabia Emerging Markets Finance and Banking Emerging Europe and CIS South Africa
Sorry, no results found.


text:
You may be able to fit a few doctor's visits or prescriptions into your budget. But if you have a major medical event, a health plan can protect your family's finances. Serious diseases or accidents often need surgeries, treatments, medications and specialists that can easily cost hundreds of thousands of dollars.
A health plan is much more economical in the long run than to run the risk of major damage to your family's finances.
If you have a health plan, you'll also be more likely to get routine checkups and preventive care which helps you stay healthy – and saves money on medical costs in the long run.
A health plan can fit your budget because you can choose the coverage you want. For example, choosing a higher deductible can lower your monthly rate.
Check out the many ways a Blue Cross plan can fit your needs with our Plan Selector.


text:
RENO — The Goddard School in Reno is calling all alumni. The organization has just announced that it will be accepting applications for its annual $10,000 Anthony A. Martino Memorial Scholarship.
The scholarship is given to one Goddard School alumnus each year to help pay for tuition at the college or university of the student's choice.
"The Anthony A. Martino Memorial Scholarship provides financial support to a graduate from The Goddard School who currently demonstrates excellent work ethic and perseverance at their high school," said Joe Schumacher, CEO for Goddard Systems, Inc. "We know we have many alumni who meet the criteria and we are excited to recognize the recipient of this prestigious award."
The Anthony A. Martino Memorial Scholarship is named for the founder of The Goddard School, an entrepreneur who started several other well-known franchise companies, including Aamco Transmissions, Inc. and Maaco Auto Painting and Bodyworks, Inc. According to Schumacher, Martino was a successful businessperson who worked his way up from humble beginnings to achieve success.
The application deadline for the scholarship is Feb. 11, 2011. Eligible applicants can access the scholarship application on Goddard's Web site at www.goddardschool.com under the "Communication" tab. Applicants must be graduates of The Goddard School pre-kindergarten and/or kindergarten program and be a current junior or senior in high school. Applicants can submit a video essay between 30 and 120 seconds (e.g., How The Goddard School influenced your career path/education). Video essays should be mailed to 1016 West Ninth Ave., King of Prussia, PA 19406 ATTN: Scholarship. (Video content may be used by Goddard in advertising and publicity, including broadcast and social media.)
Relatives of Goddard Systems, Inc. or The Goddard School employees are ineligible.
For more information, visit www.goddardschool.com.
Depoali Middle students grant child's wish
RENO — What can a school accomplish when 168 youths get together to make a difference in the community? They make magic happen.
The Depoali Middle School leadership classes, under the supervision of teacher Cheryl Pratt, worked together to pick a local nonprofit organization to benefit from their philanthropy project. All five classes at the school unanimously picked the Make-A-Wish Foundation of Northern Nevada as their charity of choice.
Throughout the month of October, the students participated in the Make-A-Wish Foundation of Northern Nevada's Kids for Wish Kids program. This program focuses on teaching children philanthropic and entrepreneurial skills as they design and manage their own fundraising project. The students sold stars, hosted a "hat day" and held a school dance to raise funds. All proceeds will benefit one special child at the Make-A-Wish Foundation of Northern Nevada.
The students worked together to help sponsor Daniel's wish. Daniel is a 5-year-old northern Nevada boy diagnosed with Wilm's (kidney) cancer. Daniel's one true wish is to visit Disneyworld. As a result of the Kids for Wish Kids Program sponsored by Depoali Middle School, Daniel will soon be getting his wish.
"The dedication and commitment of the leadership class youth at Depoali Middle school was phenomenal," said Cynthia Freeman, regional director of the Make-A-Wish Foundation of Northern Nevada. "It is wonderful to see youth get involved in giving back to the community and making the difference in such a special child's life."
Freeman was presented with a check totaling nearly $2,000 at Depoali Middle School on Tuesday morning.
For more information on the Make-A-Wish Foundation of Northern Nevada and how to host a Kids for Wish Kids program, contact Freeman at 826-8008 or email@example.com.
North Valleys cadet earns flight wings
RENO — JROTC Cadet Kyle Moya received his flight wings in a formal ceremony held at North Valleys High School on Nov. 22.
Cadets in the Air Sailing Inc. scholarship program were provided the opportunity to participate in the company's flight orientation. One student is chosen each year to complete a solo flight, and this year Moya was chosen.
North Valleys JROTC instructor Lt. Col. George Fleck and students, Air Sailing Inc. flight instructors and other special guests joined Cadet Moya's parents at the pinning ceremony.
Moya, a sophomore, is the seventh student in six years since Air Sailing has worked with North Valleys High School to receive his wings for a solo flight in an air glider. Air Sailing's scholarship program covers the cost for selected students to fly, an amount that typically totals $100 per flight. In the past, students have averaged about 30 to 40 flights, equating to about a $3,500 investment per student, including fuel and use of glider craft.


text:
[via gizmodo.com]
On a planet with around 6.8 billion people, we're likely to see 5 billion cell phone subscriptions this year.
Reaching 4.6 billion at the end of 2009, the number of cell phone subscriptions across the globe will hit 5 billion sometime in 2010, according to the International Telecommunication Union (ITU). The explosion in cell phone use has been driven not only by developed countries, but by developing nations hungry for services like mobile banking and health care.


text:
Capturing a perfectly still view of the horizon line, this Hiroshi Sugimoto photograph is reminiscent of Mark Rothko's meditative horizontals. The work is from Sugimoto's Time Exposed Portfolio of 1991. It is blindstamped on the recto with location, year, and image number.
Born in Tokyo in 1948, the artist Hiroshi Sugimoto moved to Los Angeles in 1970 to study photography at the Art Center College of Design. Best known for his highly stylized photographic series of seascapes, movie theaters, natural history dioramas, waxworks, and Buddhist sculptures, Sugimoto's work provokes questions about the relationship of photography and time, and explores the mysterious nature of reality. Sugimoto now lives in New York and Tokyo.


text: These Adidas Adiluxe shoes have a laceless design for easy on/easy off.* Soft leather construction with a padded tongue for added comfort.* Firm plastic arch support with Adidas stripes.* Sole includes 2 pivot points for increased mobility when turning.* Available in 2 colors: White with black stripe or Black with white stripe.These shoes are in men's sizes. For a correct fit, women should order one size smaller. For instance, if you need a women's size seven shoe, you should order a men's size six.


text:
The boys bust Big Time rhymes in the studio with the one & only Doggfather, Snoop Dogg.
Embed this Video
The BTR boys sabotage a Miranda Cosgrove holiday special & try to land a spot on the show.
Kendall has a stinky, dirty, nasty showdown as the prank war comes to a close.
Are the BTR boys crazy enough to take on an army of angry girls in a mega-prank war?
Kendall sabotages Jett and gets revenge with some help from a hungry llama.
Kendall learns some shocking news about his girlfriend from the cover of a magazine.
Kendall reveals a big, scary Halloween secret to his totally unsurprised girlfriend.
Carlos has fallen so deeply in love that not even farts can sway his feelings.
Sometimes the one thing you're looking for just comes crashing through the ceiling.
New York City goes crazy for Big Time Rush when the boys drop in to rock Times Square.
This is your all-access pass to the ultimate concert event!
that world would be full of Krabby Patties.
Think you're super smart like SpongeBob? Play now and solve two ALL-NEW chapters!


text:
- 22 Resorts
- Consistent Snow
- Diverse destinations
- Resorts open before those of many other states
- Home to Vail, Beaver Creek, Copper Mountain
Related Regions: Colorado, Denver, Summit County, Boulder, North America, United States
Enter your start location for step by step directions:
Get email updates of snow reports, forecasts and conditions for Arapahoe Basin Ski Area.
OnTheSnow on your Mobile Phone.
Learn more


text:
Three people have been arrested for stealing air conditioner units last week in New Castle.
The units were stolen from the Buchi Corporation on Thursday, and from the Hope Evangelistic Lutheran Church on Sunday. Delaware State Police chased down the Jeep that the thieves were riding in after a chase that led them through New Castle and Wilmington before ending with the Jeep crashing into a utility pole at the corner of 10th and Walnut Streets.
25-year-old Julio Roldan, 28-year-old Kimberly Porter, and 23-year-old Raymond Barlow, all of New Castle, were all charged with theft, criminal mischief, resisting arrest and trespassing. All three are being held on bail.
Return to: WGMD Local News Blog


text:
St. Petersburg , Florida - USA
Renaissance Vinoy Resort
Click here to visit event site
Click here to visit registration site
$1,175.00 ($950.00 for SPC Members)
Not provided
Packaging Strategies
Not provided
Not provided
Not provided
Not provided
Karen Close
Packaging Strategies' Sustainable Packaging Forum focuses on the latest sustainable packaging practices, business strategies and technologies from across the globe that support company growth while meeting today's sustainability challenges.
For eight years, it has been the place to find solutions and innovations to implement as part of your sustainable packaging initiatives and policies going forward.
This in-depth report provides analysis and discussions of economic and political conditions, market trends, legislative/regulatory activity impacting supply and demand, business opportunities and threats, materials pricing, manufacturing technology, as well as strategies being implemented by thermoformed packaging companies. In addition, there are reviews of 25 leading thermoformers in the packaging segment, assessing their growth initiatives and performance metrics over 10 years.Learn more
This 75-page report features in-depth analysis of the automotive industry for the Americas. It includes discussions of market trends, legislative/regulatory activity impacting production and threats as well as design strategies being implemented by the major automakers. Detailed charts and data tables outline North American automotive production over the last five years.Learn more
This report provides in-depth analysis of the plastic building and construction market for North America, including discussions of trends, opportunities, threats and the latest developments in construction trends that impact plastics processors.Learn more
May 6, 2014 - May 8, 2014Plastics in Medical Devices 2014
May 12, 2014 - May 12, 2014Plastics News Brazil Pharma Summit
September 10, 2014 - September 12, 2014Plastics Caps & Closures 2014
February 3, 2015 - February 7, 2015Plastics News Executive Forum 2015More Events


text:
Tommaso Durante
The History of Computer Graphics and Digital Art Project
Describe your field. Why are you interested in Computer Art/ Computer Graphics and what (event, need, idea, hope, obstacle) caused your involvement? Summarize your line of development (the essence of your input to the field) in relation to concurrent technology.
I am a professional visual artist. I create paintings, sculpture-installations and artist books. I approached the Computer Art merely for intellectual curiosity and for the pleasure to expand my aesthetic sensitivity. For the past seven years I have been using also the computer to create my artworks. I initially started with an integrated digital painting process (by painting on paper and then elaborating the work by computer and developing it on big scale as installations and ink-jet printing artworks) and subsequently I developed projects entirely in digital media.
Does the computer allow you to think visually about some topic or process in new ways? How has this influenced your work? Describe your ultimate accomplishment.
Yes, it does, even if it is only a tool of choice and sometimes it helps me to extend my perception-rapresentation of the artistic reality.My visual thinking is still generated by the creative process that is not originated from specific computer stimulations. To me, as an artist, the computer is only a techno-medium: a tool to explore the complexity of today's life, a tool that allows me to control and to use various other tools and techniques too, in a more complex, integrated and extensive way. I believe that art is always somethingh related to languages not directly to life. As Roland Barthes wrote in the late 80's "…No art as a metaphor for key transformations in the field of technological change, but technology as a critical probe of coming transictions in the field of art."
Has the field of computer art and graphics progressed in the ways that you expected? What has surprised you? What do you like about its progress and what do you wish had happened differently? What do you think the future holds for visual computing in science/art? Please make some predictions or wish lists for the near- and long-term future.
According to Walter Benjamin's reflection, with the progress of computer art and graphics we are definitely out of the "Aura" and may be that it is a good thing because art is widening the frontiers of its fruition. In the Western culture of the Reinassance, the artist contributed to create the universal iconography of Christian imagination. Today, in the same Western culture, the artist is still contributing, by the digital art, to the reinvention of the human being concept through different lifestyles and by re-thinking new survival strategies.The latest developments of computer science in the artistic field was absolutely astonishing and I was aware that things were working in that direction. What highly surprised me was the speed and the integration of the various operative systems. I consider as extremely positive the opportunity offered by computer to allow a wider diffusion of creativity. In the current digital life-style the truth is a moving target and this is a risky side-effect of the computer 'interiorization'. At the same time I feel also worried for the perspective of a flattening of the production, particularly when a strong humanistic culture is missing if not re-invented. This latter one remains the only one premise to generate different and new ideas. I foresee further significant developments of visual computing mainly in very narrow and highly specialized directions, aiming to meet the needs of extremely exacting areas of utilizations.
Describe your dream environment for enhancing your project ideas. What are your preferred tools for creating and how do they work? What tools (hardware/software) you have used initially had the strongest impact on your work?
My dream environment is the Apple (MAC) computer and Photoshop, Illustrator, QuarkXPress, InDesign, Acrobat. My favourite tools are the filters and the Virtual printer (Acrobat). The same tools had also the strongest impact on my work at the very beginning, even if initially they were less varied and powerful than today. Probably the preference of these tools is also due to my approach to the computer as a visual artist.
Describe how you think specific advancements in technology, such as wireframe, hidden line removal, scanner, laser, HTML, Java applets, or any other advancement determined the way the approaches to creating art/graphics evolved?
The re-evolution of Art graphics and the continuous development is a great challenge for everyone. The artists above all. However, the technomysticism of dialectical immaterialism pervading our lifestyles recall in my memory the Giuseppe Tomasi di Lampedusa's sentence in the wonderful book/movie "The Leopard": "Everything transforms as long as nothing changes". From the brush to the mouse. All the progresses surely influenced the creativity by improving the average qualitative level of communication. Even if it is extremely interesting to work with new tools, I can also foresee the risk of standardization that in the near future they imply. In such a context the single artist, its personality and the way in which the artist is able to use the system will be more and more significant.


text: If working from home means traveling the country via Bravo's housewives and making pit stops at the cookie jar, it's time you tune into the real world. Head over to Common Desk. The new Deep Ellum community work space has two conference rooms, dedicated desk areas, and a private phone booth. Indulge in creature comforts like a full kitchen, balcony, and free fair trade java, or surf vintage sofas and zigzag chairs (instead of channels). Writers, architects, interior designers, and mobile app gurus currently share the industrial two-story space made warm with wood-paneled walls, warm lighting, and polished concrete floors. And there's a unicycle in the lobby should you need a distraction. Just watch what happens live. Common Desk, 2919 Commerce Street (469-213-5600 or thecommondesk.com). Memberships start at $200 a month; daily rates are also available. Photo: Courtesy of Common Desk


text:
Our organization promotes the creation and performance of new concert music of all styles.
Winter Festival of New Music
February 15, 2014
Iowa City
View Photos Here!
Zach Zubow's compositions have been featured on numerous new music conferences and festivals throughout the United States and abroad. Zach was named regional winner in the 2011 SCI/ASCAP Student Composition Commission Award for his string […]


text:
- Prospective Students
- Undergraduate Programs
- MBA Programs
- Graduate Accounting Programs
- Specialized Masters Programs
- Executive Education
- Certificate Programs
- PhD Program
- Faculty & Research
- Academic Units
- Centers of Excellence
- Faculty Directory
- Mentoring Resources
- Alumni & Friends
- News and Events
- Alumni Online
- Alumni Groups
- Marshall Partners
- Support Marshall
- Contact Us
- Corporate Connections
University of Southern California Marshall School of Business | Copyright 2001 - 2013 | Privacy Policy
- Engagement Opportunities
- Corporate Advisory Board
- Recruit and Hire
- News Room
- Featured Stories
- Upcoming Events
- Faculty in the News
- Marshall News
- About Marshall
Global EMBA - Shanghai
- Leadership
- Strategic Plan
- Commencement
- Marshall Community
- Support Marshall
- Campaign
- Contact Us
- Home
- Prospective Students
- MBA Programs
- Global EMBA - Shanghai
- The Learning Experience
- Global Program, Global Locations
Global Program, Global Locations
A global EMBA program must feature multiple, relevant locations. With the GEMBA program, you study in several centers of global business. While we host most of our sessions in Shanghai, we also take you to Los Angeles twice, and also to an ex-China Asia business center.
The two Los Angeles trips last about eight days and the Asia trip five days.
Sample of Theme 7 week - Korea, 2010
Sun. August 2 5:00pm or before - Check-in to COEX Intercontinental in Seoul 5:30pm - Depart by Bus to Hanwoori Restaurant 6:00-8:30pm - Dinner at Hanwoori & KICK-OFF MEETING Mon. August 3 8:00-9:00am - Depart Hotel by bus to Korea University 9:00-10:00am - KU Professor on "Impact of History & Culture of Post-Korean War Development of S. Korea" 10:15-11:15am - Hana Bank expert on "Business Trade & Investment Opportunities in S. Korea" 11:30-12:30pm - Meeting with Shinsegae-E-Mart executive 12:30-1:15pm - Lunch at Korea University 1:15-2:00pm - Bus to Shinsegae-E-Mart 2:00-4:00pm - Tour and Meeting w/Shinsegae-E-Mart 4:00pm - Bus back to Hotel Tues. August 4 8:00am - Depart Hotel by Bus to LG Electronics 9:30-10:30am - Tour at LG Display 10:30-11:30am - Meeting w/LG Electronics 12:00-1:00pm - Lunch at Restaurant 1:15-2:00pm - Bus to Hyundai Motor 2:00-4:00pm - Meeting with Hyundai Motor 4:00pm - Bus back to Hotel Wed. August 5 7:45am - Check-out Hotel in Seoul 8:00am - Depart Hotel by bus to Korean Air 9:00-11:30am - Tour & Meeting w/Korean Air 12:00-1:00pm - Lunch provided by Korean Air at Hyatt Hotel Incheon 3:00-4:00pm - Flight to Busan (from Gimpo Airport) 4:45pm - Check-in to Grand Hotel, Haeundae Beach, Busan Thurs. August 6 7:00am - Depart Hotel by Bus to POSCO in Pohang 9:00-11:30am - Tour and Meeting with POSCO 12:00-12:45pm - Lunch at POSCO 12:45-2:00pm - Bus to Ulsan 2:00-4:30pm - Tour and Meeting with Hanwha Chemical 4:30pm - Bus back to Hotel Fri. August 7 8:00am - Check-out Hotel 8:30am - Depart Hotel by bus to Costco 9:00-11:30am - Tour and meeting w/Costco 12:00-1:00pm - Lunch at Costco 1:00-1:30pm - WRAP-UP MEETING and End of Formal Program 1:30pm - Depart Bus to Downtown Busan (optional) 2:10-3:05pm - Free Time in Downtown Busan 3:05-3:45pm - Bus to Busan Airport 3:45pm - Baggage Check-in 4:45-5:45pm - Flight to Incheon Airport
COEX Intercontinental Seoul: 159 Samseong-Dong, Seoul KR 135 975
Grand Hotel, Busan: 651-2 Woo-Dong, Haeundae-Gu, Busan KR 612 020


text:
Hi ,
Finally installed 10.6.0 in my ACER ONE D150 , still in test , because is running from a USB .
I am still trying the battery to show , all the rest is working (except:Micro, SD cards)
How I did it.
From my iDeneb install made a mpkg install to usb , then installed NetbookInstaller in to it , and it booted
The video:
YouTube - Snow Leopard on Acer Aspire One
sound needed to be installed after .


text:
Creating a fairer Britain
Every three years we are required to report to Parliament on the progress that society is making in relation to equality, human rights and good relations. 'How fair is Britain?' is the report of our first Triennial Review.
'How fair is Britain?" highlights several challenges which explicitly refer to disabled people:
Find out more about 'How fair is Britain?' and browse the online summary edition.


text:
Miami-based Banner Supply Co. has sued Knauf Gips of Germany for more than $100 million, claiming it was devastated by the lies the Chinese conglomerate told about its defective drywall.
In the lawsuit, Banner says Knauf's false claims about the fitness of its drywall has taken a financial toll on the small supplier.
Banner received 100 million square feet of Chinese-manufactured drywall, primarily from Knauf, and then sold it to other companies. Banner later received complaints from homebuilders about the corrosive, foul-smelling wallboard.
On Thursday, a federal judge in New Orleans gave preliminary approval to a $54.5 million class-action settlement between Banner and thousands of homeowners in Florida who sued the company for supplying the defective drywall found in their homes. The settlement could include owners in Southwest Florida, many of whom are still fighting to get their homes repaired.
"Knauf's deceit has severely damaged Banner's business and exposed it to significant liabilities," said Michael Peterson with Peterson & Espino in Miami, who represents Banner, in a statement.
According to Banner's lawsuit, Knauf sent a senior executive to Florida to investigate complaints and then told Banner and others that independent testing of its drywall concluded that it was "not defective."
Banner Supply filed its lawsuit on Friday in federal court in eastern Louisiana.
"The Knauf defendants, all arms of a sprawling German industrial giant, lied to Banner about defective drywall Knauf manufactured in China and shipped to the United States," the lawsuit states. "Knauf then compounded its fraud by trying to evade responsibility, shifting blame entirely onto small Florida businesses, such as Banner, that relied on Knauf to tell the truth. Banner...did nothing more than distribute Knauf drywall after receiving certifications and warranties from Knauf that it was fit for use."
Steven Glickstein, a New York attorney with Kaye Scholer, who represents Knauf, said a jury in Miami-Dade County has already determined that Banner is also to blame for troubles with the tainted drywall.
"The jury found Banner to be 55 percent at fault because Banner knew of the problems with the Chinese drywall and didn't tell its customers," he said.
In the Miami case, the homeowners, Armin and Lisa Seifart, were awarded $2.4 million. Knauf was not included in the lawsuit.
While Banner has agreed to a nearly $55 million settlement with homeowners involved in the federal class-action suit, Glickstein points out that the money would be paid by the company's insurers, not the supplier itself. That makes him question the amount of damages Banner is demanding.
"We all know from experience that anybody can put any number in a complaint and it doesn't have to bear any resemblance to reality," Glickstein said.
Banner contends that the liability for the defective drywall belongs with Knauf, not its suppliers. "Knauf shouldn't be permitted to profit by concealing defects from the citizens of Florida while businesses like Banner are left to clean up the mess," Peterson said.
While a judge has preliminarily approved the Banner settlement, it faces opposition from some attorneys and Florida victims. At a press conference Friday, Miami-Dade homeowners Charles and Sandra Puckett announced they would be among the first ones to opt out of the settlement. Instead, they will continue fighting Banner in a lawsuit they've already filed. Their trial is scheduled for April of next year.
The Pucketts fear they'll only get a few thousands dollars from the settlement, not nearly enough to repair their home and cover their other losses.
Two Chinese drywall attorneys in Miami-Dade County, David Durkee and Victor Diaz, say individual actions filed in state court will be better for homeowners because their damages will be considered individually.
"We represent about 170 individual claims in Florida and right now we anticipate the majority of those to be opting out," said Durkee, who has clients in Southwest Florida.
Victims have until August to decide whether to accept or opt out of the deal.
Those who oppose the settlement have a number of concerns. They say the settlement doesn't include information on individual payouts and how the money will be divided; more than 50 percent of the settlement will go toward attorneys' fees and costs, and there is a lack of transparency about whether Banner has the ability to pay more money than what has been offered.
"We have to make sure that a corporation like Banner does not have the financial ability to pitch in one nickel," Durkee said.
He said if one homeowner opts out, Banner has the right to cancel the settlement and say "We don't want do to this."
Banner is taking the wrong approach with its lawsuit against Knauf, Glickstein said. The focus should be more on getting homes repaired.
"This is a problem that will be solved through cooperation, not litigation," he said.
Through a pilot program, Knauf is working to fix homes at no cost to the owners, Glickstein pointed out. Currently, there are 367 homes in the program. Work has been completed on 33.
Knauf's hope, Glickstein said, is to be able to repair all homes with its defective Chinese drywall.
"I would have hoped that instead of throwing bricks, Banner would have approached this in a cooperative way," he said. "But at the end of the day, KPT (Knauf) is not going to allow the lawsuit to change its behaviors. It's going to defend the false allegations in the complaint."
Connect with Laura Layden at www.naplesnews.com/staff/laura_layden.


text:
The University of San Diego diligently stewards donor contributions to provide the greatest impact for current and future generations. The USD Endowment represents the combined support of numerous individual gifts that are directed, usually by specific donor request, to scholarships, professorships, research, and other essential activities.
By School
Chart will load here.
By Purpose
Chart will load here.


text:
Series 2013 - Final: Part 2
Emma Willis hosts more live coverage of the final.
Brian Dowling chats to the latest housemate to be evicted from the Big Brother House.
Emma Willis hosts more live coverage of the final.
Emma Willis presents exclusive live coverage of the final.
Highlights of all the latest events inside the House.
Totes agree with Spuddy. I HATE Caroline so much what a complete b****!! Can't understand what she's doing but everything she does reslly winds me up! Shiv was a lovely housemate up till like a week before she left to be fair but i hated her for intimidating people and for the way she treated Deana x
honestly don't know why she got so booed i thought she was a lovely girl!
This comment was removed by a moderator
I agree cessy.. I record the evictions and watch it back via fast forward cutting him out... Brian is Awful I cant stand his voice and his inteview technique is Atrocious.. he was a great BB contestant but he's not a good presenter..
This comment was removed by a moderator
@val spot on LOL! at cessy YIP Cant stand his cringing voice BRING BACK DEVINA PLEASE
not working?
Does anyone else absolutely HATE brian? I literally cringe whenever he says anything..!
This comment was removed by a moderator
anyone notice how quickly conor was sucking up to becky and scotts ass in the hope he won't be up next week but as he says "one thing i'm not is fake" yeah alright sunshine if ya say so
Adam and Lauren? I dunoo why but he creeps me out lool if i was Lauren I would remove myself from his existence *sick face*
the amount of times caroline has said 'your the most funniest person i've ever met' to the housemates is ridiculous..GET HER OUT.
Hope Ashleigh, Becky and Caroline are up next, three of the nastiest people in there. Really hate how greedy Becky is. This has got to be the bitchiest house yet. Poor Lauren gets it from everyone. Hope Luke A wins. Luke S needs to get a life.
@ scoooooootag - errr hate to break this to you but Aarons already been evicted! ? Do you actually watch Big Brother?
Aaron or Luke A to win, Caroline to go next followed by Deana/Scott.
i actually quiet like her cause she made it interesting even thou she was stirring a bit !!
no no no @ ttt - i love the bitchin, we need more more more, keep them on there toes,
Thank God she is gone! Deana to win!
Lauren is my fav, i think ashleigh is jelous of her, she has nominated lauren from week 1 for stupid reasons!!! GET ASHLEIGH OUT
these videos are rabbish they ake ages to load
glad she has gone, poor deena smell the humous??
Looking back n shivs time it was only one week and the rest of the time i loved her
This comment was removed by a moderator
ahhh, can't cope with the teasy flirts between lauren and adam! He's besotted. Can't work out if she knows what she's doing to him or not........and if so, is she playing up for him or is it real lurve???????help!!!!!! wanna break in and matchmake. Please people reply with your views!!!!
ahhh, can't cope with the teasy flirts between lauren and adam! He's besotted. Can't work out if she knows what she's doing to him or not........and if so, is she playing up for him or is it real lurve???????help!!!!!! wanna break in and matchmake. Please people reply with your views!!!!
This comment was removed by a moderator
This comment was removed by a moderator
This comment was removed by a moderator
Happy days Shiev gone. MMM n Now a sudden change in Conor!!!
shevonne haz gone as she done wrong caroline to go on the next b b show she is the most ugliest person ever inside and out so bb fans we need to shout get that caoline OUT OUT OUT
Glad shievonne is gone now Connor next please and then Caroline.She is still the most vile acid tongued gremlin I have ever seen. Loved Adam having to sit down for getting a hard on.Love it BB. ADAM TO WIN xxx
"We have to acquire specific on-demand rights to use programmes on the Demand 5 video player. Only programmes that we have these rights to are available" new definition of ON demand!!! JOKERS. C4 would not be so lapse-a-daisy!
Why have on demand when you cant watch it???? seriously??? "we dont have rights to all programs blah blah blah yadda yadda...why have demand then PLEBS!!
@ Honeylicious, do i thank you for the update, or bitch at you for the unwarranted spoiler? I can't decide so I'll do both; thanks for the spoiler you generous spoilsport! Is that okay? :-)
I don't get when this 11pm show was on because I can't find it on repeat on TV and i set it to record.
Brian gets better and better ... Davina who?
comment is awaiting moderation
ShievGONE! YAY! *Does A Lil' Happy Dance*
thurs nyt 4 me had to b the funniest show so far defo! no bitchin jus playin the game,was pure jokes 4 me! big bro atlast u stepd up n lightened up the house,thats what uve missed! more please cant stand the bitchin