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Academy of Russian Ballet founders Svetlana Gavrilova and Kirill Bak supply beginning dancers with techniques gathered through years of professional dancing as well as study at the Vaganova Ballet Academy in Russia. The one-hour pre-ballet classes divvy up time slots according to age group, with 3- to 5-year-olds embarking on their slippered studies in Pre-Ballet I at 4:30 p.m. and 6- to 8-year-olds learning the ropes of Pre-Ballet II at 5:30 p.m.
Bruce and Rebecca Abas have danced around the world, studying tango in Argentina, perfecting salsa moves in Cuba, and mastering swing steps throughout the United States. They bring their lifetime of training, teaching, and professional choreography experience to Four Seasons Dance Studio, where they work alongside a staff of seasoned and passionate dance instructors. Atop the hardwood floors of their spacious studio, the expert dancers lead group classes and private lessons in ballroom, Latin, tango, and swing styles. On the first weekend of the month, they host a dance party, where guests can showoff their newfound moves in front of fellow students.
In addition to group and private lessons, they specialize in wedding dance instruction, guiding couples through a choreographed swing dance set to their best-loved pop song or a formal waltz set to their favorite Grey Poupon jingle. The instructors also lead a variety of fitness-focused sessions, including Pilates and dance workouts inspired by Bollywood numbers.
The sage-like instructors at Social Dance Studio transform two-step tyros into graceful swans with a jellybean jar of dance classes, ranging from Argentine tango and salsa to hip-hop. Strut your stuff in a beginners' bachata class, a hip-popping Dominican dance characterized by a four-step beat, allowing students to master the basic footwork and traveling turns without resorting to excessively detailed blueprints. Hip-hop-salsa fusion pours hot sauce on bland dance routines with body rolls, chest pops, and novel choreography. Become a ball-belle via Social Dance Studio's American-style ballroom-dance classes, which come chock full of waltz, foxtrot, and country two-step moves guaranteed to melt the icy hearts of headmistresses the world over.
At E.R.V. Dance Studio, students can summon their inner Fred Astaire in motivational group dance classes. Experienced instructors offer tips and demonstrate moves to help students execute classic ballroom styles that include the waltz and tango, along with sultry Latin dances such as the cha cha, salsa, and merengue. Private lessons, meanwhile, provide more personalized one-on-one instruction for individuals or couples. The spacious studio also makes a great venue for private dance parties or kids' birthday parties, which feature a DJ and dance instruction from a competitive hokey pokier.
More than 25 years ago, Marcy McHenry founded the Dancers Studio to put her 30 years of dance experience to good use. The studio's three ballrooms spread out over 6,500 square feet of arm-flinging, leg-kicking room. Upon the shiny, lacquered hardwood, a staff of trained instructors guides students of all skill levels through ballroom, Latin, social, and special-event dance routines. During group lessons, the instructors cultivate a noncompetitive atmosphere where their pupils can thrive in styles such as the tango and west coast swing. In private lessons students can fine-tune techniques, learn extra-challenging new steps, or find out what Fred Astaire's favorite ice-cream flavor was during their one-on-one time with an instructor. Those looking to show off their new moves can get down on Thursday evenings when the studio's DJ Chris spins a variety of tunes for pupils to kick their heels up to for an hour.
The studio also encourages dancers to maintain healthy physiques in Pilates, Zumba, and yoga classes. Clients can sculpt long, lean muscles and strong cores in a Pilates session, or get heart rates thumping in Zumba classes that play energetic Latin tunes.
Experienced dance coach, competitor, and choreographer Charlie Hardcastle trains dancers of all abilities in a bevy of ballroom styles. During three 45-minute classes, Hardcastle homes in on individual goals and abilities, customizing rug-slicing routines for novices, experts, and modest experts pretending to be novices. The studio welcomes children and adults individually or in couples to trot through a variety of techniques inspired by traditional American and Latin styles.


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Narrow your search
High-end, high-price gaming desktops are an even rarer beast than ever, but with the latest Intel and Nvidia parts inside, at least the significant money you'll put into a Falcon Northwest FragBox will be well-spent.
Pricing not available
Apple puts Intel's latest chip in its thinner, lighter MacBook Pro.
This desktop replacement features Intel's fourth-gen Core processor and a big ol' screen.
Want a laptop packing the power of Intel's latest Haswell processor for £200? Say hello to new Chromebooks from Acer and HP.
Mainstream or not, here come the next-gen Chromebooks. Acer's C7 update claims 8.5 hours of battery life, even with a downgraded Haswell chip.
commentary Intel's power-efficient Haswell chip could enable a range of devices with the battery life of Surface RT with the power and -- more importantly -- backward compatibility of the Surface Pro.
New Intel processors are about to come to desktops, laptops, and tablets near you. Here's the full rundown on what it all means.
HP's new Chromebook 14 laptop is the first Chromebook with an Intel Haswell processor.

subset: commoncrawl


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The Southwest Travel Guide
- Overview
- Itineraries
- Places to Explore
- Sights
- Restaurants
- Hotels
- Entertainment
- Shopping
- Travel Tips
- Features
- Fodor's Choice
- Deals
Fodor's Ireland 2014
Trade Paperback
Plan Your The Southwest Vacation
Ever since Killarney was first "discovered" by William Thackeray and Sir Walter Scott, visitors have been searching for superlatives to describe the deep blue lakes, dark green forests, and purple mountainsides of this romantic region. Perhaps it was no surprise that things couldn't remain low-key here forever. Today, the Ring of Kerry coastal drive can be packed with tour buses from April to October, and Killarney's town center, thronged with scurrying visitors, clearly has its eye on the tourist dollar.
The Southwest Hotels
For accommodations, the Southwest has some of the great country houses, including Adare Manor in County Limerick; Kenmare's unique duo of the magnificent...read more
The Southwest Restaurants
The Southwest can almost be described as one big culinary hot spot. Kenmare, Dingle, and Killarney all have a high density of restaurants and gastro-pubs...read more
Things To Do in The Southwest
Explore the best sights, entertainment, and shopping with our top choices and insider tips.
The Southwest Experiences
The Ring of Kerry: The most brazenly scenic coastal drive in Ireland might have been designed with the visitor in mind—get ready to use up your... Read more
Residents of Dingle, especially those involved in the tourist business, are fighting a battle with the government for the right to continue to... Read more
Now53.4° F Mostly Cloudy 76% Humidity
Check historic weather for your trip datesArriving:
- 80 Degrees: Fodor's Helps You Find Your Best Beach Vacation Spots
- Fodor's Go List 2014: Where we are going in 2014
- World Cup Fever: Start planning your trip to Brazil!
- Fodor's 100 Hotel Awards: Check out the winners of 2013
- Weekend Getaways: Fodor's Recommends the Best Weekend Escapes in the US
- Great American Vacation: Find Your Next U.S. Trip with Fodor's
Below is my trip report of our trip in Sept/Oct 2013. Read more
For those not reading the long report ("Ireland with a Northern Twist"), here's a "visual" trip report--a link to the pix:
share.shutterfly.com/action/welcome?sid=2QctG7hu0ZMXC Read more
We are a family of 6 coming to Ireland in July. Read more


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Practice Areas: Land Use & Zoning
Walsh, Colucci, Lubeley, Emrich, & Walsh knows Northern Virginia land use and development. Our attorneys are recognized state-wide and in leading industry publications as some of the best in the industry. The firm's Land Use & Zoning practice group handles the processes of preparing, submitting, articulating, and defending our client's applications before the appropriate local government staff, planning commissioners, local legislative bodies, and concerned community members. Our team offers a superior understanding of the legislative approval process and the personalities that shape public policy.
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MOUNT PLEASANT, Mich. – The Central Michigan men's and women's cross country team kicked-off the season on Friday, Aug. 30, at the 28th Annual Jeff Drenth Memorial Race.
Senior Krista Parks finished runner-up with a time of 18:12 to lead the women's team, behind winner Rachele Schulist of Michigan State.
Sophomores Kelly Schubert and Alyssa Dyer finished fifth and sixth overall in 18:41, and 18:44 respectively.
Transfer Abbey Kelto ran her first race for the Chippewas in 19:05 en route to an eighth place finish.
Associate head coach Matt Kaczor was pleased with the team's performance on the day.
"I felt like we had some good things going on today," Kaczor said. "The future looks pretty good."
Sophomore Nate Ghena ran a 5k career-best 15:48, crushing his previous personal best of 16:35. Ghena's performance coasted him to a first place finish in front of teammate Spencer Nousain, who placed second with a 15:57. Nousain's second place finish marks the first collegiate race for the redshirt freshman.
Junior Tanner Pesonen finished in 16:22, taking eighth on the day.
The Chippewas travel to East Lansing, Mich., for the Spartan Invitational Friday, Sep. 13.


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1638 Post St, San Francisco, CA | Directions 9411537.785861 -122.428771
Mon.-Sat. 11:30- 2:30pm : Sun. 11:30- 2:30pm : Mon.-Sun 5:30-10:00pm
Neighborhoods: Japantown, Central North
It was good but pricey – I had purchased a Groupon for Bushi-Tei. I called to make reservations and was told he'd try to squeeze us in, I don't know what that was all about, when we got there there were 2 people in the restaurant, 1/2 way through our meal 2 more people came in, I was expecting a crowd.
I ordered the foie gras and I did thoroughly enjoy it, but for the tiny piece I got, it wasn't worth the $20. I also had the Big eye tuna, 4 decent sizes and the risotto was excellent. My husband had the braised beef tongue, all he could say was that he could have had a tongue taco for $2.00 on 24th Street that would be better. The rest of us liked the food but....at 2:00 a.m., 3:45 a.m., 6:20 a.m. and 7:45 a.m. my stomach was not happy, I had terrible pains in my stomach, it felt like the food was lying there like a large lump of cement, at the 6:20 a.m. trip to the bathroom the diarrhea came, I felt a little better. I talked to the others in our group and they were fine, I'm the only one that had the foie gras. Our bill came to $209.00, $169.00 with the $40. discount, but back up to $209.00 with the tip, our waiter was very attentive, sure he was, the place was empty. I was very impressed with the white ceramic silverware rests, very cute, very innovative, the owner had them custom made.
If I didn't have such a rough night I'd go back, but since my stomach was in an upheaval, I won't be going back. There are so many fine restaurants here that I won't miss going back.
This restaurant won a 1* Michelin in 2007? Well, those days are long gone too!
Let me tell you what abomination of food we had. Foie gras appetizer
Foie gras, $20 that was passable. Not great, nothing fantastic. As a matter of fact, there was too much added to it, and there was a puddle of grease IN the bowl! How unappetizing is that? My friend had the yellow beet appetizer, with exactly 4 pieces of dried-up fresh (yeah right) truffle shavings on top.
Golden beet carpaccio, roasted paprika coulis, mizuna, truffle tapenade $12. Now how the heck does sournand earthy supposed to match? It didn't even contrast either. Just an atrocious, amateur pairing.
For entrees, I had the Sonoma duck breast yada yada. Sonoma duck breast, baby mizuna, mascarpone-mustard, dried chutney $28
According to the waiter, there was supposed to have some type of reduction with it, never saw it on the plate. Crunchy chunks of mystery stuff on top of my duck just didn't match once again. My friend had the beef cheeks, a $42 abomination!
Washugyu beef tender loin, potato anna, perigourdine $42
The French waiter described it as so gelatinous and the ladies especially love it for their skin (like collagen injections -- are you getting the picture how full of it these people are?) since it has been cooking for over 6 hours. What got to the table looked like 2 at the most. Save for a teeny center portion, the meat was tough! How can I describe it, hard, like chewy doughy, as opposed to the melt in your mouth, collagen-filled meat that was sold to us.
2 appetizers, 2 entrees, 2 bottles of mineral water = $150 after tip
Do you want to get ripped off too? This is the perfect place if you're in the mood for throwing your money away for one of the most horrendous food experiences I had since a couple of days ago when I went to 16 Mile in Millbrae.
Food nicely presented, friendly service, good date place - ambience – If you are a large portion diner, this is not the place for you. The 4 of us were full with 3 courses/person. The quail appetizer is one of the chef's signature dish, came in a metal dish with enoki mushrooms on the bottom and quail on top, a couple of pieces wrapped with serrano ham and a tiny pitcher (doll house size) of aged vinegar - all delish. The foie gras was very good (had a taste of it). The tuna tartare was beautifully presented w/a bottom layer of avocado, but not enough chopped tuna on top. You're served these thick breadsticks (1 stick per couple) with a lge marble-sized butter and wafers of seaweed crackers made by the chef. We got tiny puffs filled w/a sauce and tiny cake with a gingery cookie and sliver of brownie and a soft truffle for each diner, comp from the chef. The lobster entree with gnocchi was good, but for $30, I could've had a whole lobster tail instead of pieces. Don't usually like gnocchi but this was actually good, more chewy than starchy. The lobster was a bit bland. The duck was about 4 oz and very good, drizzled with a mustard/marscapone sauce. Did not like the bite of sea scallop my friend gave me, it was fishy tasting. Desserts are ok, the carmelized banana was chewy and didn't look like a banana. The minature flourless choc souffle was passe. I prefer souffles the French way, still oozing, this was not. The black sesame dessert was pretty tasty. It was difficult to understand our waiter because of his accent and he had to pull out his little notebook to describe the daily items on the 5 course which was $95! The vegetarian was 3 course for $45. We went ala carte. Still, with 3 courses each (and an extra appetizer) and a bottle of wine with coffee, you're out almost $400 for the evening for 4. We didn't have any problems with getting our water glasses continually filled and lingered for 2 hrs during dinner & no one rushed us out. The bathroom is very nice, never seen a Toto toilet before, heated seat!
worth skipping – Bushi-tei offered beautifully displayed, miniature portioned and mediocre food in gigantic, heavy white plates. Interior was nothing to remember, and nice thing about the bathroom is the Japanese toilet that's probably old news to most of us who've seen it/heard of it. Service was poor and probably very judgmental staff who favors those who order more. Some friends and I celebrated a birthday at Bushi-tei. Noone greeted us, although there were waiters, host and hostess standing at the front. After I smiled, did the staff smiled back. Foreign waitstaff, neither French nor Japanese, mentioned the Omakase menu and said there were only 15 made that day and that it was exceptional. He didn't explain any further until we asked for more detail. Small portions weren't the problem--problem was food did not live up to price expectations. Octopus was fishy and tough. Duck was a sliver of meat covered with sauce. Tuna was overcooked on the outside and tasteless. It was the sauces that saved most of the dishes. We saw the waiter once and never saw him again. The rest of the time, some Spanish speaking guys came by. Some of us always seemed to get water, refilled wine and bread, while the rest of us never did. It looked like those who ordered Okamase were well treated, while the rest were ignored. Noone folded our napkins when we left our seats like in most fancy restaurants. The host and hostess stood by the front the entire time and just stared at us. Very uncomfortable. When asked about dessert, one of the Spanish waiters explained a dish as being similar to a Spanish dessert, blah, blah with no other descriptions. Dessert was ordinary with hints of Japanese spices.
Too many good restaurants in the Bay Area to waste time on this one. Skip it.
Artfully prepared Cal-French cuisine punched up with Japanese flair characterizes this fine-dining destination in Japantown. – In Short
Lamb chops accompanied by Satsuma yams and a wasabi port sauce and a lobster-and-crab starter with papaya, ginger cream and curry oil are indicative of Chef Waka's inventive twist on continental fare. As food arrives carefully garnished, drizzled and stacked to perfection on ceramic place settings designed by the restaurant's owners, a wall-sized mirror tilted toward diners stationed at the dining room's long communal table makes an impression almost as dramatic as the food's presentation.
artistic perfection!!! – we wandered into this little restaurant and some how got incredibly lucky! the host was wonderfully accommodating and pushed two tables together so the two of us could sit close, and our service was unforgettable! our peruvian server, andy, never once interrupted us while we were involved in conversation, but any time he sensed an opening he'd make excellent suggestions and tell us a little about himself. even the busboy would smile and chat for a minute but was also well mannered and never imposing. everyone was personal yet respectful of our space. WHY is that so hard to find?
i thought the food was second to none. if you are looking for dollar value then go somewhere else. this chef is an artist and every plate felt like his creation down to the tiniest detail. it's japanese french fusion at it's absolute finest! all the way to the desserts, if one can stay open to the experience, it is unforgettable!
the interior design is worth sitting and appreciating as well. there is even a little ceramic rest for all the silver and the chopsticks, and the dishes are all dainty and impeccably paired to frame every course. one definitely comes out smiling after experiencing what looked to be the finest bathroom in the city! what a great touch!!! (i still believe the saying you can tell how good a restaurant is by the appearance of the bathroom....and this is the place to prove that !)
entrees are very little for a high price. – Lovely interior design. Food beautifully presented. Entrees are VERY small, really appetizers, 3oz and under and pricey for the quantity. Waitress has an attitude toward our host. They were out of first 2 wines requested although her suggestions were good. Would not go back
Unique dining in Japantown – I celebrated an anniversary at Bushi-tei last weekend, and it was a wonderful experience. We had to wait about 20 minutes for our table even though we had a reservation, but the host gave us each a glass of champagne on the house to compensate for the wait. Not to mention that we were able to pass the time sitting at their gorgeous communal table. The food was as beautiful to look at as it was enjoyable to eat, from the bread and complementary amuse bouche, to the kobe beef entree, which is one of my favorite dishes served anywhere in the city! The highlight, though, is the bathroom- without a doubt the best facilities in the Bay Area. You will have to go for yourself to see why!
great place – i don't usually go out to such fine dining places but a friend took me and we loved the experience. we had dinner for over 2 hours because she tried the omakase menu and i had the tuna. the owners are adorable and attentive and so were our waiters and servers! our glasses were never more than half empty and the information given was quite impressive. i love the decor and i'm surprised that the other reviewers didn't like the restaurant. maybe you have to try it for yourself but i had a wonderful time at bushi-tei
What a disappointment – Totally speechless as to how disappointing my dining experience was at bushi tei. At the strong recommendation of our server, we opted to try the omakase menu. It provided a lot of promise, which was easily broken as each dish came through. Japanese flavors? where were they? Our last dish even reminded me of a hotel wedding banquet gone bad, really bad. Cold mashed potatoes, boiled haricot vert to accompany a venison loin...It was definitely sad.
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Peridot Keepsake Ring
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These earrings were even more beautiful than the pictures and I received on time. I loved them and when I am ready to buy more jewelry this is the first place I will look.
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Chocolate-Dipped Glacéed Apricots
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Our premium-grade, whole apricots are harvested by hand at the peak of ripeness. Grown in Australia's lush Barossa Valley, where the climate and soil yield some of the world's sweetest, most flavorful apricots. Only premium-grade fruit in this particular size are selected to ensure the finest balance of taste and texture.
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Well if she is it will be a very short book . She was only with him a few months .
Does anything know if its true that Ginger is going to be writing a book about elvis? I have read on her facebook page that she is currently writing a book elvis and me(sounds like pris book) What is everyone thoughts about this ?
Gingers facebook page: https://www.facebook.com/ginger.alden.92
Last edited by presley31; 09-07-2012 at 08:01 AM.
Well if she is it will be a very short book . She was only with him a few months .
I guess she has a story to tell, but given the divide in their ages at the time and the short amount of time they were together-not sure what insight she will have into who Elvis was.
Work in Progress!
I hope if she does, that it will be something different to write about, and some bright moments in ELVIS' life. I didn't really think she would ever write a book about him, we shall see.
Last edited by Tommy; 09-07-2012 at 10:42 AM.
I dream a world where man no other man
will scorn. Where LOVE will bless the earth
and peace its paths adorn...
This is a little off subject but I really feel that she has always felt guilty about that night or morning of the 16th. I have always heard that they had a heated argument that night and I believe that she heard him fall or call out to her and she just ignored him. I really feel that is why she has never really tried to profit off of Elvis.
Love Elvis...The Greatest
RIP Tommy
There have been rumors for the past 10 years that Ginger and her sisters were working on a book together but i never believed it because you'd never get any confirmation directly from them.
I would be interested to hear what she has to say because there is always a curiousity factor for someone that was around Elvis his last few months.
I will say that just because she is writing a book that doesn't mean it will ever be released.
It seems publishers are finally being more picky about what books about Elvis will be released probably since interest in him has started to wane the past five or 6 years.
Sheila Ryan wrote a book but couldn't find any publisher willing to release it which was a shame.
if Ginger wrote a book about Elvis in the 80s it would've been huge but now i don't think it will matter to people.
I didn't think Ginger and elvis were all that happy according to most of the books. Guess we will see. Ginger just opened her facebook page and says she is busy with writing her book. I may not be a ginger fan but curious to what she says..
Love Elvis...The Greatest
RIP Tommy
I bet if you go on her facebook page and ask her she may tell what is going with the book since there has been talk about it already on there. She was kind enough to say hello and have a nice day when i left her a comment. Like everything else in elvis world, i take it with a gain of salt till i hear about the real deal.
We shall all see what happens.
I dream a world where man no other man
will scorn. Where LOVE will bless the earth
and peace its paths adorn...
I have always thought of Ginger as a gold digger, someone who was more in the relationship for what she could get out of it given the swimming pool debacle, the family tried to sue the estate after Elvis' passing. I suppose we all grow up and with reflection she has tried to make amends by keeping quiet about Elvis' last dark few month's on earth. If we are honest Elvis was in a dark place during their relationship and she was never going to be able to satisfy Elvis on a emotional level.
There must have been occasions when Elvis was happy during those last few months and it would be nice to hear some of those stories. It would be nice to here Ginger say that she was too young to understand the life that Elvis lived and share her version of events. I wouldn't be adverse to hearing about some of those darker moments too if they were done in a respectful way, we as fans have heard almost every aspect of Elvis' life, it would be interesting to hear a perspective from the last person to see Elvis alive.
We'll probably never get to find out exactly what happened that awful night. I would be interested in reading her book if it gets published but like Matt, I tend to view her as a gold digger too and have doubts that a truthful version of her life with Elvis would be written.
where did you here or read that its total crap the women was 20 years old was up all nite with elvis and his friends went to bed elvis wanted to read and she fell asleep woke up elvis died....
I dream a world where man no other man
will scorn. Where LOVE will bless the earth
and peace its paths adorn...
bye the way im a huge fan of elvis so i dont want to play who knows what game
It's funny Elvis liked soft spoken women Priscilla, Linda, Ginger and Ann Margaret being the most soft spoken.
Love Elvis...The Greatest
RIP Tommy


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Vinegar Pot
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- Summary
Turn leftover wine into robust, flavorful vinegar in this traditional stoneware pot. Made in France by a company that has crafted pottery since 1847, it has thick sides for excellent temperature regulation and a wooden tap to make bottling your vinegar easy.
- A traditional vinegar pot, like those found in kitchens across France, crafted of thick stoneware with a pale gray glaze that's applied by hand and high-fired.
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Posted by BonBon on 04/28/2005
For my statement closing on February 18, 2005, my balance was $1684.88. I mistakenly wrote the check for $1,681.88, which was a mere $3 difference, or 0.18% of the balance. Plus, it was clearly a human error! Therefore, I was surprised to see a $14.48 finance charge on my March 18th statement. Was I being charged 5x the amount of my mistake!?? Since when did the Fed interest rate rise to 500%??? There is a word for that: USURY
Since I have had pretty good service with Citibank prior to this incident, I thought this was perhaps a computer mistake and should be easily repairable through a phone call. I made my first call to customer service on April 18th. The rep was at first resistant to my argument that $15 of penalty over $3 of difference was absurd, but after a long negotiation, he agreed to manually override it on the computer.
So, you can imagine my surprise when opening my April 18th statement, I found not only no cancellation of the previous finance charge of $14.48, but in addition, an extra $1.44 charge, bringing the total to almost $16 for my $3 clerical error!
I called the customer service again on April 28th. A lady named Erica answered the phone and explained that the charge was not a mistake. She was not only unsympathetic, but frankly, also stupid. Does Citibank not train their staff that "the customer is always right"?? Where is the service in customer service? I told Ms. Erica to cancel my account and she was unmoved. If Citi indeed records its phone lines for training purposes, perhaps my conversation on April 28th would be good reference.
It is ridiculous for Citibank to be so greedy on $16 to lose a long-time loyal customer and stockholder. I am very disappointed, and I have cancelled my Citibank AAdvantage World Mastercard. I am also contemplating canceling all my other Citi-affiliated accounts.
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Posted by Slimjim on 2005-04-28:
I made the same mistake once. They base finance charges on balances for 2 billing cycles, so they still got you for the larger balance for the first 30 days. Because of the $3, you left a balance, hence no grace period. I thought it was pretty cheesy too and since knowing the ground rules, never made that mistake again.
Posted by bill on 2005-04-28:
The customer is NOT always right. However in this situation, Citibank should have reversed the finance charge. You were only short $3.00 on a payment over $1600.00.
Posted by crazyiufan on 2005-04-30:
No, honestly the customer is most of the time the stupid one. It's just the underpaid, under-appreiciatted employees who have to deal with it. I can only imagine having to teach math to undereducated customers every day. Have you never had a loan or a credit card in your life? You always, unless you pay in full every month, get a final bill for interest. It's a well-known fact. Maybe you should do a little research before bringing out the 'stupid' card.
Posted by bcgang on 2007-11-02:
For your information, Interest is calculated based on you average daily balance. When you didn't pay your account off before your due date you interest showed up on your next statement. Even if you had paid the entire balance off you would have received an interest charge. For example, if you carry a balance from October 1st to October 31st you get charged interest for each day. when your new bill is printed on November 1st, the interest you accrued October 1st - October 31st is then placed on your bill. So infact you didn't get charged interest for the 3 dollars, you got charged interest on your entire balance. If you paid using cash, then you would not have to pay Citi Cards for the service of loaning you money.
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Absurd and fraudulent
Posted by Doroth on 07/03/2005
SIOUX FALLS, SOUTH DAKOTA -- I was so happy when this new citicard came with an intro promotion of 5% cash back on gas, drugstore merchandise and groceries. I was also excited when they advertised 0% financing for six months on balance transfers with no transfer fee. Well, since my balance transfer of $1500.00 last September, I've paid a total of $86.00 in finance charges. I've called many times to ask why? They replied that it is in the small print of the agreement stating that any purchase I made goes against the balance transfer and is subject to 10.99% financing. Need less to say this has been a nightmare. I called again when my monthly purchase was less then $100.00 and ask a why my finance charge want nearly $10.00? I didn't quite understand their lingo, so I've ask them if their would be a finance charge if I've paid the whole amount with a balance of 900.00. Of course they transfer me to a customer representative to let me know how they had this new promotion with an interest rate of 1.99% for the next nine months. Again came another finance charge of over $7.00. So I've called and ask why. They replied that the representative that gave me this promotion did not applied it to some of the balance transfer, only to future transactions. This time I've replied this is BS. They then called the office manager and made the correction. They told me they could not correct the previous month. They weren't allowed. Last month, the whole amount was paid in full. I was finally relieved of this nightmare with Citicard, so I though. Now I've just check my latest statement on line, and they've charge me $2.86 in finance charge again. My new balance is only $34.00. I'm writing this complaint to let anyone know that if they own a citicard master with the same intro promotion, not to ever transfer money from another account. You will certainly be taken for a ride. I wish I could contact the attorney general about this. In my view this is fraud.
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Posted by madcrunk on 2005-07-06:
Citi definitely has some shady stuff going on.
The 5% deal on supermarkets and gas is bogus; good luck finding a gas station that qualifies. All mine have showed up as 1% except for Kroger purchases. I called to inquire and was told that the purchase must be just a 'gas station', not a 'service station' (like with a food store or shop attached). Good luck finding one of those. What a crock.
Not to mention it takes days for purchases to post online, whereas other cards are almost instant. This is another way they can nail you with finance charges if you're trying to zero out before the statement date.
Posted by Arthur on 2005-07-26:
That's what all credit cards do to hall you in. The only way you'll ever see 0% interest is if you don't use the card. To make matters worse, I have noticed that I am not getting the 5% cash back from supermarkets, gas stations and drugstores anymore. Did they cancel this benefit without letting us know that or was this written in the fine print also?
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They Closed My Account Without Notice
Posted by Diamonds4384 on 08/29/2013
CHARLOTTE, NORTH CAROLINA -- I have been a Citi customer for over 7 years. I missed my payment this month by DAYS and they closed my account. I did not receive any notice or warning. In fact, the only way I knew that the account was closed was because I couldn't access my online account. I am VERY disappointed with the way this business was handled and the lack of notice and patience that I received as a (not so valued) customer.
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Posted by Old Timer on 2013-08-29:
It's all part of automated systems and algorithms now. You miss a payment, that triggers a automated credit review. Your FICO may have dropped or anyone of a number of other items changed. That trips the system to close your account or possibly drop your credit line.
It also works in reverse, you get a credit increase that you never asked for. It's all automated now, a human probably never saw or reviewed what took place.
Posted by trmn8r on 2013-08-29:
It is possible that Citi was likewise very disappointed in you as a customer, based on the late payment. Remember, it is their money that you borrowed and agreed to repay.
Old Timer wrote a great comment on what may have happened. Very helpful!
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Terrible, Terrible Company
Posted by Ppayne588 on 08/08/2013
NOT SURE, CALIFORNIA -- I wish I could give them negative a thousand zero stars. Like, you know what the temperature is on Neptune at night? That's how many stars they deserve. This company is run by very good scammers, I will give them that. To make my headache-ridden, almost unbelievable story of how they scammed me short, I will give you insight into your likely future scenarios at Citibank:
Their online banking system is very poorly operated and kicks you out regularly. It prompts you to call their customer service. Then customer service sets up your bill pay and confirms your bill is paid by phone and email.
8 days later, you will receive an email saying that your 'check' was returned and you are being charge $20 for returned check fee and $20 for late payment on your bill. You will call to b*itch. They will say sorry and that they'll pay you back. Then they ask for your information again and confirm your bill is paid.
Next month, the same thing happens, which is odd since the payment already went through last month. Weird, right? I'm not a rocket scientist, but my credentials didn't change in 3 weeks, so I would think the payment should easily go through again.
Somehow my information keeps changing every month so that I have a 'returned check fee ($20)' and a 'late fee ($20)' EVERY MONTH for 6 months. And EVERY MONTH they say sorry, bank error, we'll return your fees. AND EVERY MONTH THEY DON'T.
Until 6 months later when you ask them where your money is and they say, 'Well, it's only $60'. ACTUALLY IT'S MORE LIKE $160 and if it's ONLY $60, then why won't you give it back to me?
I paid in full (plus extra that they scammed out of me), closed my account, and vowed to be a thorn in their sides. Do yourself a favor and beware of credit card scammers operating under the guise of a reputable company.
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Ken [snip] is still at it
Posted by Jaquemac44 on 04/30/2012
SIOUX FALLS, SOUTH DAKOTA -- Most of the reviews I've read are older, but I'm letting you know that CitiCards and Ken [snip] are still at it.
My husband died in December and I finally got to changing our MasterCard (he was the primary) to my name. I was at CitiBank with one of their service reps and got CitiCard on the phone to see what I had to do. I was told that I could assume the account, I just needed to fill in the form and send it in within 30 days - which I did. A week ago I called for the status and neither the representative or her supervisor could help. They both said they didn't know if I could assume the account but, as it might take a month, to call back.
Yesterday, I received the MasterCard bill in the mail - still in his name. I called back and spoke with another representative who told me, after checking with her supervisor, that the first representative shouldn't have told me that. They no longer allowed spouses to assume the accounts for their deceased spouse. The only thing she could say was "I'm sorry". I told her that didn't cut it. She said there was nothing I could do - so I got "Ken [snip]" name and address and planned on writing him to see if something could be done - then checked online and saw what I fiasco it is to deal with him.
I still planned on writing when, last night, I was at the store and tried to use my card - IT WAS DECLINED!!! My balance is only $95 and isn't due until next week. So, I paid cash and walked out in shock. I called again, and this time spoke with James who said he is a manager. He informed me that my account had indeed been closed. Now, AT NO TIME in this whole fiasco had I been told that the account would be closed immediately. Now I'm left to go through applying for another card and waiting for it to be approved and mailed. All James could say was "I'm sorry" (sound familiar) although he did sound remorseful when he said he wished there was something he could do and agreed that the whole matter had been handled poorly from the start - but no luck on the card.
So, in the interest of expediency, I applied for a new card with them - for the time being. I need a card as soon as possible for emergencies. So the witch - excuse me, representative - that I spoke with (and her supervisor Nicole) closed my account the minute I hung up if not sooner without telling me they were doing it. Now I might add- we've had that card and been cardholders in good standing since 1993 - we're not slouches. And it was all part of a CitiGold account. We've been very good customers between the card, numerous checking and savings accounts, a mortgage, and money market accounts with CitiBank.
So, too many "I'm sorry's" later I've been approve for a new account (lower credit line, of course) and will be awaiting my new card - in the meantime I can't charge anything if I need to. Throw the widow out into the cold - at least I paid off the mortgage so they can't get me for defaulting on that. Next up is my letter to Ken [snip]. Citi strikes again!!
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Posted by trmn8r on 2012-05-01:
I can understand a bank not wanting to change a secondary card holder to the primary once the primary has died. I was on my mom's account, and it wouldn't make sense for the bank to transfer that account to my name after she passed. With a husband and wife, I can see how one might assume it should apply, but it doesn't surprise me in today's credit climate that they don't do it.
I would chalk this up to an error on the part of the CSRs. You said that an "I'm sorry" doesn't "cut it", but I don't understand why that is. It was a mistake. I also understand how this causes you inconvenience, but in my opinion that doesn't mean they should make an exception to their policy.
Posted by JISCal2 on 2012-05-01:
This is not a good way for Citi to keep customers, but it does not surprise me. You have been though and continue to go through a rough time with Citi. Losing a spouse is a pain I would never want to go through and the frustration you feel now I am sure is magnified. I am not saying you are wrong to feel the way that you do, but write your final letters to Citi and then let it go. In the end they don't care about you or any customer; just the almighty dollar. Don't spend your energy on them. It isn't worth it.
Posted by tnchuck100 on 2012-05-01:
First, as soon as I ran into a problem I would have advised them if they cannot change the account to MY name then they can just write off the balance. Turning a deceased person over to collections will definitely gain them a lot.
Second, after being treated so shabbily I absolutely would not open another account with them. I would go elsewhere to obtain a new credit card.
Posted by CowboyFan on 2012-05-01:
Credit cards and credit limits are based on the earning power of the primary card holder. A secondary user may not have the financial ability to pay the account, and it makes sense to not allow assumption of the account, but require a new credit account to be established.
Credit card companies always close accounts without notice, because the reality is that if they sent out a letter saying in two weeks we will be closing the account, some people would charge everything they could during that two week period with no intent to pay it back.
This review is helpful because it highlights the need for spouses (primarily wifes) to have their own credit card in their name, while their spouse is still alive. I am sorry for your lose.
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Unreasonable Card Account Closure of Sears Citi Mastercard
Posted by LuckyEnough on 03/21/2011
Had Sears credit card since 1984 at some point Sears exchanging it to a Citi Platinum Mastercard. Never late in 27 years and had zero balance on the card. Received new cards at expiration and called to activate as I wanted to use at Sears to purchase a refrigerator. When activating I informed them that my husband had passed away three years ago so no longer needed that extra card. They immediately cancelled the card/account even though I had been the only wage earner on the account since 1990 when my husband retired and continued employment to the present as a widow. I offered to give them current credit and employment info so they could keep the current card in place and retain the "customer since 1984" credit status but was rudely refused and told that they had already cancelled it and I would have to fill out a new application and re-apply at a Sears store or online. Asked to speak with a supervisor and explained that I didn't want to lose the years of experience on that card and she told me there was nothing she could do, the card was cancelled.
No way will I ever do business with Citi EVER AGAIN. If this is how they treat long term great card holders then I can totally believe the horrible stories that other people have reported. Opened a Capital One Venture VISA over the phone recently and they gave me more than twice the credit limit as I had on the Citi card ON THE SPOT.
What goes around comes around CITI. Wishing you what you do to others. As for SEARS...you need to find another credit card sponsor or risk losing the use of your card by other long term Sears customers (and stockholders) who have been loyal customers over the years. As an FYI, I bought the refrigerator at a different merchant with the Capital One card.
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Posted by BEJ on 2011-03-21:
If he was the primary account holder and you were an authorized user on the account, then they had every right to cancel the account when you informed them of his passing. You would then have to open an account in your own name.
Posted by jktshff1 on 2011-03-21:
I don't understand what benefits the "customer since 1984" gives you? Unless you had some kind of reward system set up. CC companies really don't give a rat's rear how long ya been a customer.
Posted by Ytropious on 2011-03-21:
Agree with jkt, these days it doesn't matter if you've been a customer 1 day or 25 years.
Posted by trmn8r on 2011-03-21:
jktshff1 -> the amount of time the person has been a customer is highly weighted in terms of one's credit score. They advise you to keep your oldest cards, even if you don't use them.
Posted by jktshff1 on 2011-03-21:
Then I guess if you use credit, that would matter.
Posted by trmn8r on 2011-03-21:
Correct. A person who doesn't use credit, could care less. A person who does, it matters. I am not one to track my credit score (I checked it once in my life), but even I have kept my oldest card. It sits on a shelf.
Posted by jktshff1 on 2011-03-21:
trmn, if I understand correctly, non use and a high open credit line makes your score go down. But again, I don't use them.
Posted by trmn8r on 2011-03-21:
jktshff1 -> The only penalties I can think of for not using a card is that the limit can be reduced (reducing your over all limit and thus increasing your utilization) or the card could be cancelled.
The statement I made is a generalization, and is widely suggested by people who pontificate on such matters. If your oldest card has the highest limit, then I would advise not leaving it in the shelf, for the reasons mentioned.
Posted by jktshff1 on 2011-03-21:
ok thanks. I guess ya gotta read the fine print and check your score often.
Posted by db1105 on 2011-03-21:
Sorry about the loss of your husband but when he passed you had an obligation to notify Citi. My wife is the primary on the same credit card and they won't let me do a thing administrative since she is listed as the primary even though I have a credit card in my name and make all the money.
The bottom line is that the rewards on the card are pretty good and it's not worth the effort on my part to change anything. If you can find a better deal on a credit card, but for those who pay in full every month this credit card is a very good deal.
Posted by Anonymous on 2011-03-21:
Sorry about the loss of your husband. When my husband passed away I called to cancel all of his cards. I was listed on his AMEX as an authorized user and they took my information and transferred the account to my name. They were the only ones that did that. I got the interest rate and the credit limit, member since 198X, etc... Everyone else - Chase, Citi, Penneys, Macy's simply closed the account so I think in general, that is how they handle things. Don't be insulted by it. Things worked out better for you anyway in the long run.
Posted by CoonCatOne on 2011-03-21:
I am so sorry for your loss and so sorry for the hassles you encountered. Sears is a weird company credit card wise. What an awful world we live in.
Posted by jktshff1 on 2011-03-23:
trm, just found this article this morning. Seems a reason to use one if you got it does exist.
Posted by MRM on 2011-03-23:
Thanks for the article, JKT! I have printed the article to motivate me in paying down my credit card debt.
Posted by L.F.S. on 2013-03-05:
From my experience, one thing for sure, when Sears goes under, they can thank CitiCard for the help.
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CitiCards is unconscionable
Posted by Lil Ole Me on 02/12/2011
I have been a CitiCards customer for a very long time. I have never, ever been late on a payment. Suddenly, out of the blue, they decide to cancel my card. Turns out I made a couple of late payments to other companies SEVEN years ago. I wrote customer service regarding this matter. Never heard back. When I called to follow up, I was told by several "supervisors" that nothing could be done. In addition to unfair business practices for which they have been caught - e. g., ridiculously high interest rates and double charging for certain fees - now CitiCards is doing this. Please, do yourself a favor. Do not get a CitiCard. If you have one, cancel it.
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Posted by trmn8r on 2011-02-12:
Are you suggesting that the practice of reviewing credit reports and withdrawing credit from individual debtors is unfair?
I have several credit cards and a line of credit. I think it was darned nice of the banks to extend them to me. I happen to have enough money to pay them off, but they don't know that. I don't see anything wrong with a bank retracting the extension of credit. I mean, it's their money. Just my .03
Posted by GenuineNerd on 2011-02-12:
Citi has been closing thousands of CC accounts for well over a year or so now, often without notifying the customer first...the customer finds out when he/she tries to use the credit card and it ends up being declined, despite having available credit on it. When the customer calls Citi to complain, they are then told that the account was closed due to "something on an Equifax credit report." Days later, you then get a form letter from Citi informing you of the account closure. They did this with many Citi Cards accounts that were co-branded with Shell Oil, Exxon/Mobil, Conoco/Phillips 66, and other oil companies mainly.
Posted by Anonymous on 2011-02-12:
It's their money. They have every right to choose how they let others use it. I will continue to enjoy the use of my card.
Posted by Slimjim on 2011-02-12:
I'm sorry, but I wouldn't cancel my credit line based on their decision someone I don't even know was a credit risk.
Posted by magellan on 2011-02-14:
It is so true that they lie. They are well trained in that respect. When I called them to find out why my card was closed, she said that i was because credit reporting, that they do it sometimes. It happens that a few minutes prior to that conversation I was told by someone else at the same number that it was because fraudulent charges were made.....They cannot put their "thing" together. Does someone know exactly where to be heard? A place to complain...Complaining to them does not work. They are all trained to lie.
Posted by sickofciti on 2013-04-07:
I agree. If you don't have a Citicard, don't get one! If you have one, cancel it.
I missed a payment because I didn't receive a statement. I have now paid the balance (plus late fee) in full.
This is the worst experience I've ever had with a credit card!
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Paid in full and still charged interest
Posted by 808-pd in full on 11/09/2010
I pay my balance in full every month. My last statement, I was charged finance charges for a balance that was paid in full. I've always paid it in full and have never been charged finance charges. Upon questioning CitiCard regarding the finance charge, its reasoning was interest accrues when purchase are charged to my account. They did not want to waive the $1.03 finance charge, for a balance paid in full.
I've had the account for over 15 years. The Government bailed them out, yet they are trying to get every penny from balances that are paid in full. What kind of behavior is that?
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Posted by tnchuck100 on 2010-11-09:
Was their a cash advance involved? Those accrue interest from day one.
If this is not the case it is time to put that card in a dresser drawer and never use it again. Since it is an old account don't close it. It is helping your credit score.
Posted by Anonymous on 2010-11-09:
If you didn't pay the bill until the due date most, if not all, credit cards charge you interest. If you pay the bill before the due date no interest will be charged.
Posted by trmn8r on 2010-11-09:
This has nothing to do with "bailouts", but everything to do with your user agreement.
It sounds like you either paid late or as another reply suggested, a cash advance was involved. I use Citi for several years, and I always paid in full before the due date. No finance charge.
They told you when interest begins accruing, but did they tell you WHY you were charged interest?
Posted by Slimjim on 2010-11-09:
Since you always paid in full before without incurring finance charges, then you have a standard grace period and something must have been different this time around. Like chuck said, it sounds like you used maybe a cash advance check or something in that area of no grace charges. If that's the case, it's the way all banks roll.
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Citi Cards cheating Customers
Posted by Sdr on 11/07/2010
THE LAKES, NEVADA -- Citi Targetting Customers paying in full on time. If there is any Class Action Suit on Citi for this behaviour please contact me I would gladly be part of this to stop a Monster organisation like Citi from messing with Hard working tax-paying folks.
I have a Citi Card for the last 12 years, I have had a clean history always paid in full. I missed a payment last month ( Due date: Sept 28th). Within 6 days of being late they froze my account. I called them ( Oct 6th ) and told the customer service representative that I had made the payment, she said that moment they received the payment the card will be activated and will not affect my credit history of any kind but they will charge me the finance charge and interest ( which I contested but they did not budge, I guess thats how they make money these days). My payment was posted on Oct 9th and card activated. On Nov 1st ( after 20 days of my payment in full) out of the blue they reduce my credit limit to 200$ from 1000\'s. I had called the customer service on October 6th and October 23rd ( to dipute the charge which was turned down which is fine) and in all the calls made I have asked the respresentative
whether my card is being affected and the answer has been no, it is reinstated without any issues. Since the last 2 days I have been calling them to have it reinstated so it does not affect my credit history but all the representatives that I have spoken to have been rude, I could care less attitude and have refused to reinstate my credit limit back. I cannot understand the logic of reducing the limit and messing a credit history of a person for one late payment that was paid in full the moment it was bought to my attention. I am looking for any sort of help I can get in disputing this and making sure Citi Cards does not do this to other hard working tax paying people. The representative that I spoke
to said that my limit was dropped because my account was delinquent. I checked my history thro a credit agency, far from being delinquent its in excellent shape and have not received any notice from Citi about my delinquency. I heard the financial industry has been regulated but this kind of messing with peoples life need to be stopped. Please stay away from Citi Cards. Of all the credit cards that I have had Citi cards has been the worst. The policies are the worst and the customer service 1 notch lower than their policy( The representatives don't know about the customer accounts, don't care and when question outright lie to justify the policy).
Damage Resulting
They have dropped the credit Limit from 1000s to 200$ for one offense. This will affect my credit hostory which I have worked hard to build. They have also charged me 100$ in finance charges and interest which looks inconsequential comparaed to what they will be doing to my credit hostory
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Posted by trmn8r on 2010-11-07:
You are right, generally speaking your credit history is more important than the $100 you were charged justifiably. There is a grace period. You went beyond the grace period. There is a penalty for that, and you paid it.
The bank is not obligated to continue to loan you money. They can shut down your credit card tomorrow if they want to do so. They may have looked at this late, and possibly other factors, and said we want to reduce our risk exposure. They have that right, in my opinion. My bank could shut my cards down, and I wouldn't hold it against them.
Posted by Anonymous on 2010-11-07:
These days the credit card companies are reducing limits out of the blue for no reason at all. In this case, they actually had a reason. It is their right to limit their exposure by doing this and they have no obligation to extend any credit at all. I have found that they adjust limits all the time - upwards and down so I am sure in time they will increase it if you are patient. As for your credit score, what effect did the reduction in your limit have? As far as I know, it shouldn't have had much - you are not penalized for not having a huge amount of credit available and in some cases, it makes it better. What is figured in is the amount of total money due (your obligations) against the total amount of credit available. For example, if you have a credit limit of $10,000 and you have charged $9,000 that has a negative effect on your score. It isn't permanent or long-lasting though- when you pay the balance down to a good level (less than 30%), your credit score will pop right back up. What DOES hurt you that cannot be fixed is a late payment. All you can do with those is wait until it wears off - the further away (in time) you are from a late payment, the less an impact it will have on your score. The damage done to your credit was done by you - not Citi. I understand that it is upsetting to you because you have such a great payment history and believe me, you do not lose the benefit of that. It is all very nicely laid out on your credit history but as far as the credit card companies are concerned, you are only as good to them as your financial situation TODAY - they aren't really caring about money they already have from 10 years ago. My advice is to put some time on it - a few months and then try to have the limit increased again. You will probably have better luck with that in time. If you are looking for a credit card company who cares and understands, you won't have much luck finding one. Best to stay with the devil you know.
Posted by trmn8r on 2010-11-07:
incrediblelee -> Good analysis. What you describe is called utilization, and it is good to keep it at less than 10-20% overall across all your accounts. Hopefully the OP has other credit, and a limit going from $1000 to $200 doesn't increase their utilization to 90% or something.
I read recently that calling the credit company often can actually flag your account for closer inspection. The advice to wait several months before asking again is a good one. To me, if a debtor is desperately asking for an increase, that would be a flag. At the same time I realize a reduced limit can have an impact on borrowers.
Posted by Anonymous on 2010-11-07:
...Adding, most credit card companies will not even report a payment as late until it is over 30 days. They will still charge you a fee, they may increase your interest rate, they may reduce your credit limit, etc... but it probably won't hit your report. You may want to wait until Dec or Jan, pull a fresh report and take a peek. Chances are you are upset about not much at all.
Closing the card may have the most negative effect of all. Not only do you mess with your ratio even more than reducing the limit already has...you may be terminating your most long-standing account. The age of your accounts (how long you have had credit) is also a factor in your overall credit score.
Posted by Anonymous on 2010-11-07:
Right! I knew there was an official word for it - just couldn't think of what it was...lol!
Posted by trmn8r on 2010-11-07:
You added more great information. The OP has had the card for 12 years. It may be the longest.
I closed down a few cards 3 years ago, before I knew about any of this. I closed my oldest card, and threw away about $50,000 in credit limit. Oh well. Fortunately, I still have $40,000 or so, and a card that goes back to 1996. I was "lucky" to have several cards.
Posted by getoverit on 2010-11-07:
Citi actually reduced my limit several months ago because I don't charge that much on that particular card. I have other cards and stuff and didn't really worry about it.
Hopefully, the OP does have other accounts and the utilization percentage didn't go way up all of a sudden. And the single late payment on the OP's credit history should not impact the credit score too much either.
I also think incrediblelee's got this stuff about right - especially the part about sticking with the devil you know. I'm not closing any account or opening any new ones lately, even though I still get those offers for all kinds of introductory rates and balance transfer deals, etc. From what I've seen, none of these companies are all that friendly and it's best to show some stability on your reports.
Posted by Venice09 on 2010-11-07:
Thanks for all the great info, everyone!
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They lie
Posted by Donkies54 on 03/26/2010
They change due dates at will. I was 2 days late on one payment due the the change. then instead of a 29% interest rate for defaulting(ha), I accepted a 12 month, no interest plan. I was also told that when I completed the plan and all of my payments went through that my account would be reopened. I just talked to the customer service dept and was told not only had they closed my account, but that my remaining balance would be calculated at the default rate!! if it wouldn't ruin my credit, I would just tell them to take a hike. beware, everything you have read from other customers is true. try Amex instead, they are truly customer centric!
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Posted by skelly39 on 2010-03-26:
Citi is awful. I have no advice other than to pay it off as soon as you possibly can and run the other way.
Posted by saj80 on 2010-03-26:
I have had a Citi Mastercard for many years, and have never had a problem. Of course, I look at my statement as soon as I receive it to check the due date and have never asked for any interest assistance or forbearance. As a creditor, if a customer was having financial difficulty, I would be very cautious about keeping an account open, no matter what a CSR said.
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Sharing the Love, Sharing the Food When I was pregnant with AnaBella, my first child, I had just begun attending a church of a few hundred people. There were many young families that cared for and supported each other in the months following the birth of their children. One of my new friends, a young mom with a daughter under a year, asked how many meals a week I'd like, and for how many weeks, after AnaBella's birth. I had no idea what my recovery would be like, but was hesitant to ask anything of moms who already had their hands full. So my... read more


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Portland >Automotive Sales & Services > Mc Farland Spring Corp
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H-IDEAS is a network for scholarly collaboration on the history of ideas, broadly defined.
Call for papers, Hegel Bulletin Special issue: Pragmatism
Pragmatism has historical and conceptual connections to Hegel's philosophy and the aim of this special issue is to explore aspects of this relation. We invite papers on neo-pragmatist interpretations of Hegel, on idealist themes in both classical pragmatist thought and the 'neo-pragmatism' of Richard Rorty and Robert Brandom and their 'new pragmatist' critics, and on aspects of idealist and pragmatist approaches to core philosophical concerns from epistemology to ethics.
All papers are double-blind refereed. * Full papers should be received by the 2nd December 2014. Please send as electronic submission to the guest editor Dr Neil Gascoigne.
Humanities Research Institute, University of Sheffield
5 - 6th June, 2014
The aim of the conference is to examine what happened to the perfectionist tradition in ethics subsequent to Kant's critique of it, where this will include discussion of figures such as Schiller, Fichte, Hegel, Kierkegaard, Mill, Marx, Nietzsche and the British Idealists amongst others.
Confirmed Speakers:
Christopher Bennett (Sheffield)
David Brink (USCD)
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Simon Robertson (Cardiff)
John Skorupski (St Andrews)
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More speakers to be confirmed.
Time in Early Modern Thought
A two day conference at the University of York – 9th and 10th May 2014, run jointly by the universities of Lancaster and York as a Northern Renaissance Roses Seminar. The first day will take place in the Treehouse, Humanities Research Centre, and the second in the beautiful surroundings of York Minster Old Palace Library, and will conclude with a concert given by the Minster Minstrels, a renaissance-baroque early music wind group.
Conference on Art and Morality - A Human Endeavor
June 4-5, 2014, Central European University, Budapest, Hungary
Organized by the research group What is it to be human?
Keynote speaker: Jesse Prinz, CUNY, New York
The conference investigates the current philosophical discussions
about the various connections between art and morality. Topics may
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Christchurch City is recognised as New Zealand's Garden City with over 740 parks and an extensive system of rivers, streams and wetlands.
The third annual Parks Week takes place across New Zealand and Australia, from 3 to 9 March to celebrate the important role our parks play in contributing to the health of our communities.
Why we need our parks. Feel a whole lot better - getting out into our environment can help us deal with stress, injury, illness, increase productivity and concentration, and generally feel revitalised. Connect with Nature - visit a park today
Do you want to help look after it? Connect with Nature – click here to get involved
Want to improve your fitness? Walking is an easy way to get fit and improve your health whatever your age. What better place to walk than in one of our city's beautiful parks. Connect with Nature – take a walk in a park today
Do you love your park? Meet other like-minded people from your community. Connect with Nature – click here to get involved
In marking Parks Week 2014 we have selected six parks to illustrate the diversity of the City's parks. Some may be familar to you and others completely new.
These vary in style from rugged to English garden, and in function from walking, hiking and cycling to parks for families and specific parks for dogs
Containing sheltered areas of lawn and a large playground this two hectare park is adjacent to the beach for walks and swimming. It has changing and toilet facilities. There is a café across the road. Car parks are located at both ends of the park.
Location: adjacent to New Brighton beach on corner of Beach Rd and Marine Parade.
Set at the bottom of St Andrews Hill, this 76 hectare park has large open areas suitable for kicking around a ball and walking a dog. Dogs do not need to be on a leash but must respond to the owner's commands. There is shelter and toilet facilities at the pavilion which is located beside the car park by the sports fields. Adjacent is the Ferrymead Heritage Park which features an early 1900s (Edwardian) town and down the road is the Gondala for a bird's eye view of Canterbury.
Location: Heathcote Valley Heritage Park, Bridle Path Rd off the Ferrymead end of Ferrymead Park Drive.
Click on image to access larger view
Covering 500 hectares, Misty Peaks Reserve is located behind Akaroa between Long Bay and Lighthouse Roads.
A track to Newton's waterfall has recently been created: from Akaroa walk up Aylmers Valley Rd to Misty Parks Reserve car park sign (a 30-45 minute gradual slope). From the car park follow marked track to the waterfall (about 10 minutes one way) through farm land and bush.
This is an easy walk but not suitable for wheelchairs and prams.
This park has some of the best views over the city and out to Pegasus Bay. Dogs will love the open tussock grasslands (any other info re the dogs ie respond to owner's commands etc)
Location: Victoria Park Road, off Dyes Pass Road.
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This two hectare English park style garden consists of three large lawn areas and a sheltered children's playground (the paddling pool is currently closed). There are toilet facilities. A car park is located on Woodham Road.
Location: Woodham Road, Linwood.
Built in 1923 the three storeyed factory has featured on the cover of the best-selling Edmonds Cookery Book. The factory garden has won many awards in civic beautifying competitions.
The factory building has since been demolished and the park now features lawns, colourful plantings, a lily pond, stream, an oval garden and a rose garden. There are toilet facilities. A playground is in the adjacent park.
Location: Ferry Road, Waltham.
Earthquake update:
There are plenty of walking tracks now open in Christchurch so you can get out and about in the city.
While some walking and mountain biking tracks remain closed due to safety reasons following the February earthquake, the Christchurch City Council's parks team is working hard to reopen popular recreation areas as soon as it is safe to do so.
The Port Hills tracks that are now open include the H. G. Ell track and Latters Spur track. As well as these tracks, residents can access all of Halswell Quarry and Kennedys Bush Reserve areas. Some mountain bike tracks can be accessed off Mt Pleasant Road – please comply with all signage. Walkways are open at Travis Wetland and Charlesworth Wetland while recreation areas at Spencer Park, The Groynes and Styx Conservation area are also open.
The Bridle Path has recently reopened, along with many other Eastern tracks such as Scarborough Bluffs and the Capt Thomas Tracks. Coastal Area Parks closed include Bexley Wetland, Horseshoe Lake and Whitewash Head/Scarborough Walkway also closed due to instability. Signage is in place indicating areas that are closed due to rock fall hazard, as areas are further assessed these signs will change.
Bottle Lake Forest Park and Seafield Park have reopened for all users but with some new track alignments to allow for the safe management of the earthquake resource recovery operation within the central area of the forest. Please follow all public safety instructions.
For regular updates on the status of Christchurch's mountain biking tracks, visit www.ccc.govt.nz/trackstatus
Christchurch is fortunate to have such a diversity of parks and waterways, from neighbourhood playgrounds, sports grounds and heritage gardens, to large wilderness areas, coastal parks, wetlands and rivers.
Within half an hour's drive from Cathedral Square in the central city, you can discover beaches, wetlands, forests, or grasslands. You can be swimming in the sea, fishing off the New Brighton Pier, kayaking in the estuary, peering from a bird hide, mountain biking through a pine plantation, or tramping and enjoying the stunning views from the Port Hills.
Authorising Unit:
Transport and Greenspace
Last reviewed:
Wednesday, 26 February 2014
Next review:
Thursday, 26 February 2015
parks, walkways
Friday, 25 April 2014 12:52:35 a.m. New Zealand Local Time.


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TORONTO - James and Traci Sanders of Toronto announce the engagement of their daughter, Merideth Marie, to Seth Ryan Fluharty, son of Charles and Lisa Karamanolis of Wintersville.
The bride-to-be is a 2005 graduate of Edison High School and a 2011 graduate of West Liberty University with a bachelor's degree in social studies education.
She is employed by Steubenville City Schools as a substitute teacher.
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Her fiance is a 2005 graduate of Indian Creek High School and a 2010 graduate of Wheeling Jesuit University with a bachelor's degree in elementary education.
He is employed by Steubenville City Schools as a special education teacher.
A wedding is planned June 1 at Sally Buffalo Park in Cadiz.