text:
Porsche's new hybrid supercar takes design cues from classic racers like the 908 and the 917, fusing these classic profiles with cutting-edge hybrid technology. The vehicle's carbon fiber-reinforced plastic monocoque shell is emblazoned with the starting number 22, recalling the 1971 Le Mans victory of Helmut Marko and Gijs van Lennep.
An endurance racer at heart, the 918 RSR has a clever trick up its sleeve to keep it ahead of the competition. Whenever the vehicle brakes, a flywheel accumulator located next to the driver's seat captures and stores energy. This energy can then be directed to the vehicle's twin 102 hp electric motors to provide a burst of speed, allowing the vehicle to rocket ahead of other cars during critical overtaking maneuvers.
Porsche also announced plans to produce diesel and hybrid versions of the Panamera this year as well as a limited number of the 918 Spyder plug-in hybrid super sports car, making this a banner year for the luxury auto manufacturer.
3 Comments
Bubby May 31, 2011 at 10:38 pm
Kudos! What a neat way of thninkig about it.
Shermaine May 31, 2011 at 9:57 pm
This forum neeedd shaking up and youve just done that. Great post!
SuperParris January 10, 2011 at 4:04 pm
I love the 911GT3 hybrid, a 480 horsepower. With the flywheel speed booster.
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text:
Cheap ski holidays in hundreds of ski resorts worldwide.
Nb: infants must be under the age of 2 and
children must be under the age of 12 at the time of
The new residence comprises two 4-storey buildings. In the centre of Saint Gervais. In the complex: lift, ski storage. Shop, restaurant 20 m, railway station "Le Fayet" 6 km, outdoor swimming pool 1 km. Cable cabin 1 km, ski bus stop 20 m, ice rink 300 m. Please note: There are more similar properties for rent in this same residence. 3-room apartment on two levels 60 m2: entrance hall. Living/dining room with 1 double sofa bed and TV. Exit to the terrace. Kitchen (oven, dishwasher, X ceramic glass hob hotplates). Sep. WC. Upper floor: 1 room, 1 french bed. 1 room, 1 x 2 bunk beds, shower. Bath-room. Electric heating. Terrace, south facing position. Facilities: washing machine. Garage. Please note: non-smokers only.
Iglu acts as a travel agent for disclosed principals/tour operators, further details
of which will be made available at the time of booking. Your holiday contract will
be bound by the tour operators terms and conditions.
Prices are shown for a basic room or unit, can be subject to change and are indicative
until time of booking. Please call on 0208 544 7114 for prices for other travel
and room options for this property.
The price shown includes 7 nights accommodation,
on an accommodation only basis.
Prices shown are per person per week based on maximum occupancy. Descriptions and
quality ratings are provided by the Tour Operator (or one of the Tour Operators
where similar holidays are offered by more than one supplier). We reserve the right
to make minor adjustments to the description or rating based on staff and customer
feedback. For payments by credit card, a 2.5% credit card charge (4% for AMEX) will
be added to your invoice. If you pay by a UK issued debit card, there is no charge.
All bookings are subject to a £5 per person Passenger Admin Fee charged by Iglu.com.

subset: commoncrawl


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Capital One Cardholder For 5 Years NOT ONE INCREASE
Posted by
Well, Where to start ? 5-6 Years ago I applied for a Capital one card. I was approved and was given a $500 credit limit. I paid the statement on time each and every month. After a year had gone by of having the $500 card. I called in and asked for a credit line increase. I was denied, and told that the reason for the denial would be mailed to me. About 10 days later it arrived. The reason ? Well here's the reason that they stated to me. In fact, I received 2, Yes, 2 separately mailed denial letters. And they BOTH stated the same thing. They both stated that the reason for my denial was:
"We are unable to verify your billing address"
Okay, What !!?? Unable to verify my billing address ? But yet they mailed me 2 letters, and mailed them to my billing address ? What kind of excuse is THAT???
Well, I just blew it off. Thinking, Okay, Maybe I just need more time to show them my credit worthiness, fine. I'll wait for my time to come.
The following year came, Year 2 denied, Year 3 denied, Year 4 denied, Then finally, In Nov-Dec of 2012 ( Year 5) I again called in but well prepared this time. This time I had a copy of my credit report AND my FICO score in hand .
My credit report doesn't have a single blemish ( Yes, From all 3 credit agencies). And my FICO score was 686.
Again I was denied a credit line increase !!! The reason ??
" Capital One is currently not accepting customer initiated credit line increase request at this time "
Well then why not state that to me on the phone when I had called in to ask for an increase ?? Why play make believe on the phone and pretend like your reviewing my account for an increase ???
Now, This time I told the Capital One representative that I was getting sick and tired of getting BS reasons, and that If I don't have an increase by March 2013 that I was going to close my account at that time .
Now, Just to let you know my account balance had been paid in full since October of 2012. So I would give them 6 months to give me an increase, or I was done.
I then hang up with Capital One. I now turn to my other credit cards. And begin to call them and ask for an increase on those cards.
Discover Card = I had only had my Discover card for about a year. They started me at a credit line of $1, 000. So I call them and ask for a credit line increase, They gave me a $4, 000 credit line increase.
Best Buy Mastercard ( Now owned by Capital One ) I had them for about a year and a half. Started me off at $600, 7 months later raised it to $1, 000. Now when I called in and asked, They raise it $900.00.
Citi Bank Diamond Preferred Credit card + I apply for the first time and they give me a $3, 000 line of credit.
But the Capital One card that I have had now for 5 years won't raise my credit line one single cent ????
So now March 2013 is here. No increase !! So I then state, Since you won't increase my limit, what's my interest rate ?? The guy says , "It's 22% ", I say, well then lets get THAT lowered at least. He says , " I'm sorry sir, I'm unable to do that for you " . You know what ?? Just close the account then. And he did so without even a whimper of trying to keep me as a customer.
So I close the account, Then immediately file a complaint against Capital One with the BBB.
3 Days go by, And a lady from Capital One Corporate Offices calls me regarding my complaint to the BBB.
I pretty much tell her exactly what I'm telling you here. About my 5 years of denial, yet other companies either giving me substantial credit increases, or other credit card companies STARTING ME OFF at $3, 000, and yet nothing from Capital One.
She asks me how much credit I have on my other CC's. I tell her $5, 000 on Discover, $2, 500 on my Discover ( Walmart), $3, 000 with Citi Bank, $7, 000 Wells Fargo CC, and $2, 000 with my Best Buy Mastercard.
She asks me then, " Sir, If we were able to get you a credit line in the ballpark range of your other credit cards, would you consider, or be willing to re-open your Capital One card that you closed with us " ??
I said , Absolutely !!
She then states that she will " talk it over with her colleagues " and see what they can do.
This was on Wednesday March 27th. So I'm waiting to see now, If Capital One will FINALLY step up to the plate and finally TREAT me like a " Valued Customer " , rather than just SAYING those words.
Now, right before I wrote this, I logged into my Capital One CLOSED account to see if anything had been changed. Well, To my surprise my account was reopened on Friday March 29th, By whom, I have no idea, I assume the lady at corporate that I had talked to. But the credit line still states $500, we shall see what happens the next few days.
I don't mind waiting my turn, But darnitt 5 YEARS???? To the poor guy that stated he was a member for 10 years, WOW!!!!
I don't want to hear the words " Conservative " ever again from Capital One . " Conservative " could have been giving me a nickel or dime credit increase, NOW THAT'S CONSERVATIVE!!!! But not giving a penny in 5 years ??? To a so called " Valued Customer " ?? That's what they tell me each year, that I'm a " Valued Customer ", LOL, So that's how you treat all of us " Valued Customers " ???
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Obsfucation on 04/01/2013:
Maybe they think that you already have enough outstanding credit. When they decision, they look at your FICO (which is just OK), then they look to see how much exposure you have on other cards. There are many variables that go into these decisions, not only your payment record with them. Look at it this way: if you maxxed out every card in your wallet right now, and then got laid off, could you continue making payments? That's the question they are also asking. It's a fair question.
Eggs and bacon!!! on 04/01/2013:
I think that is the problem you have too many cards.
trmn8r on 04/01/2013:
This is the bank's money we are talking about, so you are asking them for something they aren't obligated to give you. There could be a lot of truth in this statement: "Capital One is currently not accepting customer initiated credit line increase request at this time".
One problem may be your timing - the economic collapse of 2007/8 is having lingering effects. Many banks are still reluctant to increase credit lines. I am surprised that you had so many others do so.
Obfuscation above penned an excellent reply. Banks have raised their standards, and honestly a score below 700 isn't considered great today.
JR in Orlando on 04/01/2013:
Although not discussed by the OP, it may be that he pays the balance off every month. People who use credit cards and pay the account off in full each month are "not good customers" for the credit card company. They make money on the interest of someone who carries a balance. People who pay off their account each month, cost more than they are worth.
Also, if one carried a balance for a while and then asked for an increase, it may be more readily granted. From the credit card company's point of view, why give an increase to someone who pays off the account every month.
Slimjim on 04/01/2013:
I'm not sure I agree with JR's statement,"People who pay off their account each month, cost more than they are worth. ".
Fact is any merchant who takes a credit card pays a percentage on the transaction. While finance charges are a big revenue from those who carry balances, it is not the only revenue the lenders receive. Straight American Express accounts work primarily off the revenue generated from charge transaction fees from the merchants.
JR in Orlando on 04/01/2013:
The American Express fees to merchants are some of the highest in the business also. The point I was trying to make is that people who pay off their accounts each month think they are good customers. But from the viewpoint of the credit card company, they are not. The ideal customer for the credit card company is someone who carries a balance, but makes regularly payments each month.
Anonymous on 04/01/2013:
As a 7 year Capitol One customer, I just want to say that we have had an opposite experience. We carry a balance as high as $15k throughout the year, but its always paid off within a few months and we've been given a $4,000 increase over the last 4 years. Now we don't have any other credit lines (other than an old GM card with a $250 limit that hasn't been used in years) and we have never made a late payment & our credit score is close to 800. Capitol One gave us the increases, we did not ask for them. We make regular payments every month and like I said, we make very large payments (5k-10k) several times a year.
Karnamay on 04/02/2013:
I believe JR is absolutely correct. My husband and I have a credit score of 825 and 820. We asked for an increase with Visa for our honeymoon and they flat out refused. My friend, who works for Visa said it was because we always pay the card off in full every month.
be persistent ia on 06/05/2013:
Email executive office for cap one. Got call back and increase. Have been granted $2,000 in credit limit increases in less than a year. Opened card last summer.
Tim on 08/03/2013:
I have had the exact same problem with Citibank! Five Year Customer $500 credit line that they refuse to increase. Never late once, carried high balance over months, paid off with zero balance over months on/off for FIVE YEARS! They refuse to raise my limit every year! I'm done with them. Cap One $3000, Discover $6000 FICO 750, Salary 90k I just don't get it???
RJ on 09/21/2013:
The question I have is: Why do you want/need to continue carrying a Capital One product when you've graduated to, two "Prime" companies
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Additional Info: for Capital One Bank Being the Worst Bank ....... EVER!
Posted by
1680 CAPITAL ONE DRIVE, VIRGINIA -- Fine. Since you people need it spelled out for you, and you don't want to take my word for it that this institution is the absolute EPITOME of incompetence, here goes:
1. On Tuesday, September 14, 2010, a mere 24 hours after Capital One's takeover of Chevy Chase Savings Bank, I happened to go to my local branch's ATM to take out a mere $40 from my savings account. When the balance slip came out, I nearly passed out. It said there was only $7,300 in there when I knew there was over $33,000 in there. I immediately called these new "owners" of the bank and could not believe what I was told. Here I'm using MY ATM card to take money out of MY savings account and these clowns told me that the $40 came out of one of my PARENTS' accounts. How ridiculous is THAT !! And the reason why ? Just because two weeks earlier, we added my name to five of their accounts for the ONLY reason being so I could call the bank and ask questions on their behalf. That's it. My dad is 92. My mom is 88. They don't hear or see too well so I'm trying to help them out. There was never any request or any mention WHATSOEVER of the mingling of my parents' funds with mine. What were they thinking ? Oh, yeah, that's right ! They WEREN'T!
2. In October of 2010, my mom went into the bank and changed one of their savings accounts to Capital One's "Simple Savings" in order to get that better 1.1% APY when she was previously getting some joke amount of. 25%. So when we got the November statement, the rate was quoted on the statement sheet as being. 7%. We made that first call to Customer Service who told us she was in fact getting 1.1%. They had no explanation as to why their OWN paperwork clearly said. 7%. The December statement came and the same thing happened. We finally called the local branch Manager that my mom deals with to find out what was going on. She admitted to me that upon calling Capital One's "Customer Advocacy" group that there were errors that were providing incorrect information on statements.
3. In November of 2010, they had the wrong social security number for my mom on a CD confirmation mailing. We then called both their "800" customer-service number and the local Branch manager who assured us that it was only wrong on that CD page, but that their SYSTEM had the correct number which was confirmed with them on the phone. So three weeks ago, when my mom got the 1099 in the mail, it STILL had the wrong social security number. Like it's not bad enough that these idiots had the wrong number on internal paperwork -- now, they're giving the Feds the wrong number, too !
4. What kind of normal bank does NOT have "transfer" slips ? My mom has to do a number of transfer transactions between a checking account and one of my dad's money-market accounts that receives electronic deposits of some Morgan Stanley dividend checks. Every time she has to go in to the branch and fill out a withdrawal slip from the money-market, a deposit slip to the checking and ends up receiving three receipts she has to deal with. What a PAIN !
I could go on, but for what purpose? On the afternoon of February 10, 2011, I made three attempts at calling the office of Capital One President and CEO Richard Fairbank. I know for a fact that his office is right here in McLean, VA, the main office for Capital One. When I called the main number of 703-720-1000, I specifically asked to be connected to the ASSISTANT to Richard Fairbank. I'm not stupid enough to ask for Fairbank himself. Each of the three times I was calling this local McLean, VA corp. office, I was connected to a "Senior Customer Service" person either in Dallas, Texas or other such venue five states away! I highly resent that. Whenever I have called any CEO's office, I can ALWAYS be connected to the assistant. So after that miserable treatment, that fine evening of February 10, 2011, I filed an on-line complaint with the Feds -- the Office of the Comptroller of the Currency. That's the group under the Treasury Department that oversees national banks since the FDIC is not over Capital One. I believe they need to send their bank examiners into this asylum and do a thorough investigation into the blatant incompetence of this group. On Monday, February 14, I got called by someone at Capital One in Texas who basically gave me a half-baked apology, saying they would correct my mom's 1099 ASAP, but hey, what are they going to do about all the other things? The damage is done. Best thing for us to do is simply close out our nine accounts and be GONE from these jerks !
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Anonymous on 02/24/2011:
So what's in your wallet? You sound smart, why wait so long before thinking about ending your relationship with Capital One? It obviously isn't working out for you, your parents don't approve, too many incompatibilities, and C1 is not living up to your expectations. If you're unhappy and not getting what you want and need from the relationship, it's time to let go and move on.
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Does Capital One Care if its Customers are Scammed?
Posted by
Most Banks & Credit Unions have well established processes to address possible fraud being perpetuated against their customers -- especially phishing by con artists who target the institution's customers. Apparently, Capital One does not & does not care.
RECOMMENDATION: If you're a Capital One customer, or thinking of becoming one, use their information and call as if you've got a fraud issue--and see how you're treated, or would be if you did. You can state right up front you're sampling their process & be totally honest about your situation -- but save that for when you actually get to the right person. Compare them with other banks. You'll experience a big difference. Guaranteed.
My experience:
I got two suspicious calls asking for personal info right up front and the reason why was unclear. So I hung up.
After the second call my wife called me at work with a similar experience...so I called Capital One based on the "Bank" phone number provided at its website.
I explained the situation and was passed off a couple of time until I ended up right where I started. I called again, with similar results. I called the two convenient branches I frequent, again to no avail; the people there had no idea. One, however, informed me that the calls were "probably" associated with activating the new ATM card they claimed they sent me, but I never received, to replace the card with "Chevy Chase" on it. As a security precaution they canceled ALL my ATM cards!!
But since that didn't explain all the calls--if it did, why Capital One didn't say right up front they were calling to activate a new ATM card indicates very poor communication skills.
Then, out of rising curiosity I called the following numbers and was referred as follows:
1-888-810-4013 (banking customer service number on Cap One's website);
the person there referred me to "Security" which they assured me where there "24 hours"; based on the experience thus far I asked for the number in case the call got disconnected (blaming my phone for the likely problem). I was told I was being referred to: (301) 939-6600. That was never answered (and the call was not disconnected; the forwarding worked, such as it did).
I tried 703-720-2500 -- which reaches Capital One's CORPORATE TELEPHONE OPERATOR -- and that person transferred me to the Fraud Department at 1-866-344-8899 -- and the person answering there claimed they did NOT even service (at the time I called, March 4, 2011) Capital One!!!
Maybe that Capital One Corporate Telephone Operator was trying to tell me something.
BOTTOM LINE: I was NEVER able to contact anybody at Capital One that could, or would, address the apparent problem -- that someone seemed to be targeting Capital One customers via a focused, and persistent, phishing attack.
BENCHMARKS: I contacted my long-standing Credit Union, Insurer, and a couple of other local banks (one of who is my new bank post-Capital One...), all based on their webste info, and asked them the same question I tried to ask Capital One. EVERY one of them was able to explain their process...and it took exactly one phone call on my part to get to someone every time.
Why would anyone want to do business with with a bank that lets its customers fend for themselves?
Maybe that's why they're saturation marketing with TV commercials using lunkheaded barbarians (at least in the Northern Virginia area) -- they're targeting the market of dopes they can dupe??
I read somewhere that Capital One is (early 2011) providing credit card accounts for higher risk customers than its competition ( i.e. its providing credit cards to those rejected by credit card providers) -- so, one would naturally expect more problems...and it is in Capital One's selfish self-interest to provide lousy service given a clientele that would be having above-average problems ... or put another way ... they may provide the same level of service, which would be diluted by increasing use by sub-tier customers.
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tnchuck100 on 03/07/2011:
I just scanned the 57 "Favorable/Informative" reviews sited above. 33 were "Informative" that should have been posted as complaints. This would make the adjusted (more realistic) score above:
Favorable/Informative Reviews (24) Complaints (316)
collector-5957 on 03/07/2011:
Hey, Sounds familiar, that is how they do(actually do nothing) deal with fraud. We get the same commercial in Canada & yes I suspect they have to continually advertise as -God help you if you ever have a real problem. They are a disorganized, miserable company to deal with.
Veep on 03/08/2011:
RE: tnchuck100--Favorable/Informative vs. Complaint.
As my experience was prompted by an apparent phishing attempts (two) clearly linked to Capital One I tried to follow-up, unsuccessfully, via a number of avenues.
However, I was not personally inconvenienced by Capital One's act or omission. As such I don't really have a complaint -- other than that the bank clearly lacks a means or inclination to protect its customers in clear contrast to competitors that take such things seriously. As such this is "information" that others may find particularly useful as a selection/retention criteria.
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State Attorney General Goes After Capital One for Debt Collection and Re-Aging
Posted by
January 25, 2010
West Virginia Attorney General Darrell McGraw announced Friday that his office has sued credit card issuer Capital One and a debt collection agency for "unconscionable conduct in connection with their credit card lending and collection practices."
The complaint alleges that Capital One Bank, a subsidiary of Capital One Financial Corp. (NYSE: COF), tricked consumers into payment plans by sending them solicitations disguised as offers of new credit. The arrangement allowed Cap One to re-age the debt so that it did not fall under the statute of limitations.
The offer was sent to consumers who had charged-off accounts with Capital One or other creditors. Under the terms of the offer, Capital One agreed to provide the consumer $1 of new credit in exchange for the consumer's agreeing to transfer the entire account balance of a charged-off account to the new credit card account.
"Capital One's practice of offering nominal extension of credit, if and only if the consumer agreed to pay off a debt too old to be sued on is tantamount to loan sharking," McGraw said in a statement.
The complaint also alleges that Capital One issued multiple low-limit credit cards, each charging exorbitant fees, rather than raising credit limits on consumers' existing accounts. Also that Capital One "unconscionably" imposed over-the-limit fees on consumers' accounts, sold services to consumers who could not benefit from the services and billed and attempted to collect for credit card accounts that were never activated.
Attorney General McGraw's complaint names a collection agency, COSI Receivables Management, but does not say how the company was involved and how or if it was at fault. Also named in the complaint are three collection and recovery units of Capital One.
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Anonymous on 01/26/2010:
Sounds like a bargain to me. People get their bad debts reissued under new accounts with the chance to pay what they owe and erase the bad marks on their credit reports.
goduke on 01/26/2010:
Except that it doesn't erase the bad marks on their credit report. It only recreates the situation that created the bad mark, and gives rise to a second situation. Good for WVA.
beanbagbritches on 03/24/2010:
This is terrible! DB ... I'm glad you posted this. I have never liked Capitol One.
Anonymous on 03/24/2010:
Wow, great info here.
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Holding my $1,500 hostage against their own policies.
Posted by
LAUREL, MARYLAND -- After I refinanced my mortgage I changed my auto-payment on the Chevy Chase Bank website to stop paying my mortgage automatically to Capital One (which owns Chevy Chase Bank) because I had refinanced with another lender. However, the "cancel payment" order apparently only applied to a single month, and a month later Capital One auto-deducted a payment of over $1,500.00 from my account. When I saw this deduction had taken place, I called Capital One two days later to tell them this payment had been made in error. They said that although my checking account showed the deduction, they had no record that they had received the payment (electronically... between their checking division and mortgage division. No record). They said they couldn't resolve it until they showed it had been received.
At the end of the week I called again. Now they said the payment had been processed on the day I called, AFTER I called and reported it was an error, but they would not refund it for ten business days because it was their policy to hold all funds for that amount of time before releasing them. They said it did not matter that I had called before the payment was received, or that the account was closed; it was their policy to hold all funds for ten business days regardless, and the money would be refunded to me by check in two weeks (ten business days plus weekends). On the Monday after the supposed "release date," I called to confirm that the check had been mailed. I was given a runaround and the woman kept telling me it was their policy to hold it for ten business days, and then it took the mail 3-5 days to arrive. She kept repeating this over and over, even after I said multiple times that I understood that and all I wanted was for them to tell me it HAD been mailed. She said they showed no record of that, but that she would do research and call me back.
Needless to say she didn't, so the next day I called back. This time I was told that not only had it not been mailed, but that only the previous day it had been sent to the cash department for processing. I asked how this was possible, because I had called twice before to discuss the problem with them and had been told each time, by multiple individuals, that the problem was on their records and that according to their policies it would be refunded on a specific date. I was told by the service person that she didn't know why, and that she had no timeframe for the refund of my money, but that the process of refunding it had just begun the day before.
Now it's 19 days later, and even though they have no account associated with these funds, no right or reason to hold it according to their own policies, they're holding it anyway, apparently because they can, and won't tell me when or if I'll get it back. They're being bullies, in essence, just for the sake of it. The attitude is, "What are you going to do about it?" I could really use that $1,500, but no amount of calling and explaining or arguing with them is making them give it back. They don't want to, so they won't.
I've been a Chevy Chase Bank customer for over ten years, and I actually refinanced that mortgage after they were bought by Capital One specifically because Capital One introduced a bunch of nasty, harassing policies relating to their mortgage division (in short: if I didn't pay by the first of the month, they called to harass me and ask "if you plan to pay your mortgage this month," even though I've never been late and always pay within the grace period, which is completely legal and fine). I didn't want to do business with them anymore after that, but this is simply a nightmare-- I knew they were bad, but not THIS bad. I'd warn anybody reading this to stay far away from Chevy Chase Bank and Capital One. It's really been a learning experience for me about just how corrupt a bank can be.
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oldisgood on 06/22/2010:
It is not the Chevy Chase Bank - that is an actor. It is Chase Bank. Sorry about your problem, though
mdgirl on 06/24/2010:
No, it's Chevy Chase Bank. That's the name of the bank. Chase Bank is a different institution.
oldisgood on 06/24/2010:
My bad. I really thought you had made the mistake. I do hope your problem has been solved by now.
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Denied Increase After Brother Murdered
Posted by
CITY OF INDUSTRY, CALIFORNIA -- Oct 5, 2013 my brother was beaten to death by 4 men, one with brass knuckles. His wallet and cell phone were missing when ambulance and police arrived. I called Capital One Bank and requested an increase so I could purchase a ticket to get to my brothers funeral and support my mother and father since I'm the oldest.I have had this account since Apr 2007, never late and I was just asking because I needed to get home. My brothers body was held for two weeks because it was part of a crime scene. I finally borrowed the money to get home.
As consumers we have to stop doing business with those that only lets the money flow one way, into their coffers. I called a few days later and I canceled both accounts, I have been a great, on time paying customer for 7 yrs on the one card and only two on the second. I know they won't go out of business by me taking mine away, but at least their bottom line won't keep getting fat by me since I'm so undervalued. I have a credit card still, but not with them, that's a personal problem I know but I still feel as though since I have been paying bills on time I shouldn't have to wait ten days as I was told by the rep. Since my brothers body was held I did get to attend his funeral.
My mother has lost it and cries nightly about this senseless act. I don't know how I got through it, but I know I don't care for Capital One anymore. Sorry experience, very sorry customer care I think, a multi billion dollar company can't see to take care of those responsible customers that's the reason for their solid growth, not good at all.
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Jake on 12/28/2013:
Are you for real? They can't just increase your limit just like that, regardless of the situation. There are many rules and regulations and they can't just increase anyone's limit with every sob story they hear. I'm pretty sure they don't have a "Someone in your family died so we'll just increase your limit" rule. This isn't just Capital One, that would happen with any credit card company. They'll continue to do fine, in fact they'll probably be better off without you badgering them for an increase which they can not give to you.
Paul on 12/28/2013:
I wouldn't expect my credit card companies to adjust limits based on the reason a card holder gives, and certainly not based on a one-time need. As cold and heartless as it may sound, personal emergencies rarely play a role in the credit world.
Cwazychicken on 12/28/2013:
Now I feel bad for your family and I'm not saying you would do this, but there are scam artists out there that would say the same story to increase their credit or try to get things free....or try to get things companies normally don't do for their customers. Sorry you were not able to get what you wanted but companies just can not raise limits like this.
clutzycook on 12/28/2013:
I"m sorry for your loss, but I have to agree with the other posters. That's why I try to carry little or no balance on my credit card so if I need to purchase something in an emergency, I have the funds to do so.
olie on 12/28/2013:
I'm sorry that this happened to your family. I wonder, though, how close to your limit you were?
You may have a spotless payment history, but if you are close to your limit every month, you're probably not giving Cap One much to work with.
Old Timer on 12/29/2013:
Blackcattt35, glad to hear you were able to make the funeral. Sorry for your loss. It's such a shame that the OP has to take yet another beating in this case. First her Brother, then by Cap One, now by all the pundits on this site. Sad indeed.
FoDaddy19 on 01/01/2014:
Like the others, I offer my condolences for your loss, but also like the others, I agree that Capital One didn't do anything wrong here. They can't just up your credit limit on the spot just because you asked for it, there has to be oversight on their end because it's their money they are lending off and the credit limits they have set are there for a reason.
@ Old Timer, often times, people write negative reviews, without knowing or ignoring various company's state policies or being oblivious to common industry-wide policies. I'd say over half the complaints you read here fall into that category. To that end, it's more advantageous for the various OP's have those things explained to them by people who are at least somewhat familiar with how businesses operate, even if it's not something that they necessarily want to hear. Many people make the mistake of being subjective rather than objective when dealing with these issues.
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Beware of the Annual Membership Fee
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I have had a Capital One card since 2003. I recently moved to a different town and received a forwarded bill from Capital One informing me that I owed a $39.00 membership fee by July 21st. I immediately contacted them to update my new mailing address and was informed that now since I did not pay my membership fee on time, I was now being charged a late fee!! I explained that I had just received the letter in the mail that day and that there was a post office delay due to my forwarding address, I also explained that I did not have a chance to update my new address yet but had a zero balance on the account so was not worried about it. Despite never having paid them late in the 10 years I had the card, they treated me very rude and unprofessional and told me I should have known my membership fee would be due. When I told them that I was a single parent and did not have the extra money to pay for fees I was told that there is nothing they can do to help me.
One supervisor hung up on me because she could not effectively justify the fees and her script did not have answers to my questions. I had asked her if she had a Capital One card with a yearly fee and if she felt that it was fair to make me pay a fee in addition to the interest I have paid over the years when I have used the card. They deducted $10 from the membership fee, but I still had to pay them $29.00 by phone to avoid getting a negative report to my credit bureau. I had told the Capital One representative that I was going to be voicing my horrible experience and cancelling the card she responded that it was my choice to do that but it wouldn't change my balance that was immediately due.
Unfortunately one of my other credit cards was recently bought out by Capital One and I am not happy. I am making this card my first priority to pay off and never ever do business with them again....ever.
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trmn8r on 08/07/2013:
Based on your description, my belief is that you owed this fee as the CSR explained. The forwarding delay is your responsibility, not theirs. Banks don't waive many fees these days, since they have become more important to make up for lost revenue elsewhere.
That said, I would not own a credit card with a yearly fee. I had one back around 1988, and got rid of it.
Weedwhacked on 08/07/2013:
It was late. I have never heard of a single parent waiver. If it existed everyone would claim to be separated.
DebtorBasher on 08/07/2013:
When you signed for the membership, you agreed to the fees. If you are not able to pay those fees...single parent or not, you should not have agreed to them.
If those who are not single parents have to pay fees, why wouldn't single parents have to pay them?
Regardless whether you close your account or not, you will still be responsible for paying off your balance and it won't stop them from reporting it to the credit bureaus.
Best thing to do is close the account and make payment arrangements with them for the balance and stick to the agreed arrangement. You might want to ask them about a hardship program, though being a single parent won't qualify you for it, but if you recently had a sudden drop of income...like loss of employment or cut hours, you may qualify. But, once the agreement is broken, they will go after the full amount.
Good luck to you. But, don't play the single parent card...that pulls no weight whatsoever...sadly, single parenting is the norm now...it really doesn't mean anything to creditors.
mbdeuce on 08/07/2013:
Response / Clarification: Why would I need a payment arrangement? I paid the balance off over the phone the same day. I rarely even use this card but kept it because I was in the process of going for a new mortgage and was told not to have any closed accounts for the time being. I have since closed the account.
I did not ask for a single parent waiver. I told them that I was unaware the $39 fee had been charged to my account (because I moved and did not get the letter on time) and did not have the extra money to pay a $39 plus late fee for an account I believed to be at a zero balance. I do not feel I should have been penalized and a one time courtesy was appropriate for the circumstances.
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Scammed Into Paying Off Credit Card Early
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LOS ANGELES, CALIFORNIA -- I have a platinum Capital One card I wanted to used to rent a car because it provided insurance saving me $20 a day with the rental agency. At the airport while out of town I called the credit card company to pay down my balance enough in order to have the funds for the rental transaction.
I was told the only way for it to go through immediately was to pay Western Union or moneygram and call them back with the transaction number, all other methods would be the next day. I was fine with this and found an airport terminal with a Western Union where I set up this transaction paying over $400. I called back with the number for it to go through to be told it would not go through for two more days.
My account had been over balance for 28 days which could not be released. So the lie by the first agency was in order to trick me into paying off my entire balance when I could have just paid them $80 as my regular payment. They tricked me into spending all of my travel money on the card that was not unavailable to me. Also I had to pay for the rental car agencies scam insurance (I don't own a car and have private insurance) this cost me another $20 a day for the length of my trip adding up to another 200.
I can't split the rental into different transactions and it must go on that scam of a card with Capital One in order to get the insurance. The agents the second time around told me first it would be available tomorrow then realized they were again correct and it would be available in a few more days because of the cut off time and weekend. In response to stealing $600 dollars from me and ruining my vacation they gave me a $35 credit.
If I had not been lied to in the first call I would have just had to pay the expensive insurance and be done with it. Now I have paid off a credit card and paid for the expensive insurance because they are scam artists.
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clutzycook on 02/26/2013:
On the bright side, your card is paid off now.
trmn8r on 02/26/2013:
As clutzy said, the good part of this is your card is paid off.
I use my cards regularly and heavily, and pay them off each month. It is a great convenience, and it costs me $0. Personally, I would find it very stressful to be near my "max" and also be paying interest.
JR in Orlando on 02/26/2013:
What is the scam? The op had an overdrawn credit card account. He waits until he is out of town at the airport to try to pay it down, instead of doing so prior to taking the trip.
The OP's rush, does not make a crisis for the credit card company. Regardless of what they said, one should not expect that a payment made today (depending on time of receipt like a bank) may not be posted until several days later, especially because of an intervening weekend, e.g. A deposit after hours on Thursday, may not be processed until Friday and not appear until Monday in one's account.
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Horrible Service
Posted by
IRATE. I have never been so angry with a company in my life. Granted I screwed up and never paid my credit card bills, and it ending up in collections, I eventually got my sh*t straight and paid it off. HOWEVER, once I logged online to double check and make sure everything was taken care of, there was still a balance! I spoke to the highest person I could through the collection agency and they told me that the balance was completely zeroed out, so anything that shows up online would be Capital One's work, but I should give it another week JUST IN CASE. I did. In fact, I waited TWO. 30 days later, I still have a outstanding balance when I log online.
I called Capital One directly, and since the foreign girl couldn't help me, I asked for her supervisor. His name was Andrew. He's the most pathetic excuse for a Senior Supervisor. He refused to connect me with HIS supervisor, and told me he's only allowed to contact that person if there's some problem he just cannot fix. WELL, he couldn't fix mine, so who else am I supposed to contact? I understand, "Kill them with kindness." Oh he did that alright. He also hung up on me. Professional? I told him that I will come back to him and the company as a whole if this outstanding balance [snip] with my credit.
Since Capital One seems to be high and mighty enough to not have a customer service line for service compliments or complaints, I guess I'll just broadcast it everywhere I can!
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Deceptive Business Practices
Posted by
I purchased a washer and dryer from Best Buy on the 18 months deferred interest. The offer would expire May 17, 2012. I made another purchase two months later on the same offer which the 18 months would expire July 2012. I made all of my minimum payments of $25 early every month. On May 15, 2012, two days before the offer on the first purchase expired I paid $800.00, which by my calculations based on the first terms should have more than paid off the first purchase. 12 days later I paid the remaining ballance on the May statement of 611.49. Mid August of 2012 I got a phone call from Capitol One saying I was 60 days late on my payments and I owed $652.00. I told them it was a mistake on their part and went home to find my records. I called them back and explained what I had done as described above. They said when I made the $800 payment I actually owed $872 by May 17 because when I made the second purchase it changed how each payment was applied to each balance so I had mis calculated what I owed on the first purchase, so they charged me over $600 interest plus late fees. They said I should have read my statements and checked my online statement even though I thought it was paid off ( who does that?). I paid the full amount they requested and asked if they would not report the late payment on my credit because I had paid over $1,400 in a two week period. They said they had done nothing technically wrong, it was all my fault. They did refund half of the $652 I paid but refused to remove the late payment from my credit even when I asked they keep the refund and remove the late payment. In 20 years of credit, several of those with Capitol One accounts, I have zero late payments until now. They are obviously more interested in trying to destroy a persons credit than anything probably because then they can charge more interest. I immediately canceled my account and filed complaints with BBB and everywhere else I could think of.....CAPITOL ONE IS A DECEPTIVE COMPANY.
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unhappy999 on 08/28/2012:
You said yourself, you failed to read your statement which would have told you what you had to pay to pay off the first purchase with no interest. It wasn't nice what Capital One did but they were within their rights to do it. It was nice that they refunded part of your money.
jonthethird on 08/28/2012:
My Capitol One statement, the old fashioned paper kind they mail each month, has a breakdown of what is owed on each purchase under terms and what was paid last time on each.
trmn8r on 08/28/2012:
When you have one of those interest-free offers, and make an additional purchase on the same account, it can throw a wrench into things. What you have to do is contact the credit company and ask ahead of time how it will impact the existing interest-free loan.
Also, when one of these offers is about to expire, it is safest to contact the company and find out what the payoff amount is. Unfortunately, you assumed that you were paying enough, but you were not. This can trigger getting whacked with interest for the entire interest-free period - because that is how all these offers work. They wait for you to make a mistake, and then smack you in the face. It's like playing with snakes, and you have to keep your venom anitdote handy at all times and make sure not to misstep. All banks do pretty much the same thing.
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Ret and Prot use almost the same gear. Tanking is more fun in MoP than most other expansions, imo. Try prot and if you don't like it go ret, not much gear changing.
I enjoyed tanking pre MOP..but decided to level up to 90 as ret....My intention when reaching 90 would be to go back to prot..with ret as OS...or Holy as main spec and ret as OS...CANT MAKE MY MIND UP AT THE MOMENT! Any ideas.
Krow the Wakener
Ret and Prot use almost the same gear. Tanking is more fun in MoP than most other expansions, imo. Try prot and if you don't like it go ret, not much gear changing.
"If the world is something you accept rather than interpret, then you're susceptible to the influence of charismatic idiots." -Neil deGrasee Tyson
Twitter @Aggathon || @Tankspot || Twitch.Tv/Aggathon
Thank you Aggathon....Could you reccommend some good prot macro's..I am feeling very lazy this expansion
Edit: This isn't a good expansion for tanking on autopilot. Tanking in the past has been pretty lax once you knew what you were doing. Active mitigation has made the role much more involved.
Putting your trinkets in with a cd is about the only macro I can think of. The trinket slots are 13 and 14 so something like:
#showtooltip Divine Protection
/use 14
/cast Divine Protection
Personally, I only do something like that when the trinket on-use is pretty weak. Other than than..hmmm. If you need to bubble off a debuff:
#showtooltip Divine Shield
/cancelaura Divine Shield
/cast Divine Shield
Divine Shield will cause the mob to ignore you because you are invulnerable. Therefore, you need to be able to cancel that quickly to maintain threat. You will have to hit the macro twice. I typically follow this immediately with a taunt.
You can macro glyphed consecration so that it immediately drops it at your mouse rather than the keybind bringing up the target and then having to place it, but I don't remember the syntax of that. I think most people are not using that glyph anyways. I'm sure you can google it up if you like that one.
I had some macros for Feng to target him for the shroud and targeting my co-tank for the same reason. I also had taunt macros for Stone Guard. As far as macroing abilities, however, I feel the need to have fine control of them. I can't think of anything that I feel "automatically" and always go together to macro that way.
"he doens't need healing, he doesn't need healing, he doesn't nee-WHAOSHIT!wtf was that man!". Please stop leaning on TDR. -Teng
thank you again. Great info! I see from patch 5.2 notes that consecration will a BIG boost to something like 700% of todays..so I guess this will help on multi-mobs and threat generation. My char is only lvl 88..so a long way to go!


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Catalogue Number: 272-3885
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With a traditionally styled design, elegant scroll arms and button detailing, this Chesterfield sofa bed makes a sophisticated addition to any living space. The sofa bed is upholstered in white bi-cast leather, which is soft to the touch and hard-wearing. With foam-filled back and seat cushions, this Chesterfield sofa bed is both comfortable and supportive.
Suitable for everyday use as a sofa and occasional use as a bed, the metal action sofa bed is easy to open with a 3-fold mechanism. It features a foam filled mattress supported by a polypropylene sprung base for a great night's sleep.
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FULTON, Ky. (3/21/13) – The Kentucky State Police opened a death investigation on March 12, 2013, after receiving a call from the Fulton Police Department, about a decomposed body which was located on Martin Luther King Drive, Fulton, KY.
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Suitable from 15 - 36kg
Order in the next 12 hours 14 minutes and select next working day for delivery to mainland UK on Tuesday
Combining value and comfort, Graco's Hi-Life booster seat raises your little one to the perfect height for an adult seat belt.
This padded booster seat keeps kids comfy while making sure they're sitting at a safe height to use an adult seat belt. Easy to install, it weighs an ultra-light 2.5kg, so it's ideal for moving from car to car. It's also a really handy spare seat when you're ferrying your child's friends from A to B, and back again!
The padded seat cover is both comfortable and washable. In all - a great value purchase.
Perfect for what I needed when transporting grandchild in the car. Easy to fit and remove. Lightweight and comfortable for short journeys.
Bought this booster for my tall 7 year old son who seems to have just got too big to use the other kind. It does exactly what it says on the tin really, the only drawback I would say is that the seat is a little hard, so if we doing a long journey I would put a blanket underneath for comfort. Other than that it's great for school run and basic milling about at weekends. He loves it so I'm not complaining!
Good product. Good price
Great basic booster at a good price. I am using for the school run for extra children, which this is perfect for - small enough to stow in the boot for unexpected lifts too. I probably wouldn't use for long journeys as the seat is quite firm to sit on. Also, the belt holder hooks at the side of the seat are slightly shallower than some more expensive versions I looked at. They hold the belt fine though.
Lightweight and easy to put in place. Great for quick run around, not too sure about comfort for long journeys. So far, so good, I a very pleased with the purchase.
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Eighty Acres of Hell DVD
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- Number of Discs: 1
- Run Time: 100 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: History Channel
- DVD Release Date: January 15, 2006
This is the long-overlooked story of the Union prison that was more than a match for the horrors of Andersonville.
- Experts explore possible connections between the brutal prison and the White House.
- One of the darkest chapters of the Civil War is finally illuminated.
- See how prominent Union citizens joined Confederate POWs in incarceration.
More than the spoils go to the victor; sometimes they win silence as well. That is certainly the case when it comes to the Civil War prison at Camp Douglas in Chicago, Illinois. While the Confederate camp at Andersonville, Georgia is infamous, the tale of Camp Douglas has long been overlooked.
EIGHTY ACRES OF HELL reveals that the Union was more than capable of matching the Confederates atrocity-for-atrocity. While 12,000 prisoners entered Camp Douglas, only 6,000 left. The rest were victims of calculated cruelty, torture and neglect. And southern soldiers were not the only targets of this treatment--many prominent Chicago citizens were incarcerated under the banner of martial law, unjustly convicted of imagined offenses by ruthless military tribunals.
From the establishment of the camp to the terrible toll it ultimately took, EIGHTY ACRES OF HELL is a troubling look at a long-ignored chapter of the Civil War.


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Food for thought from Jay's DinerFood for Thought from Jay's Diner: Married People
Gladis Kersaint
April 2003, Volume 8, Issue 8, Page 404
A problem for classroom use and a solution to a previously published problem.
A problem for classroom use and a solution to a previously published problem.
ArticleGrades 3-5Grades 6-8TeacherProblemsProblem Solving / Problem Posing
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Course Year: 2013Course Level: IntermediatePrerequisite: NATP's Preparing S Corporation Returns course of basic knowledge of Form 1120S preparationAdvance Preparation: NoneDelivery Method: Self-Study
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Students are responsible for completing all of the requirements under one particular catalog. A student's catalog is determined by the academic year that the student entered St. Mary's College. The catalog for transfer students (from Maryland public institutions) may be determined by the date that they first began their degree-seeking studies at another public institution in Maryland. Any student may elect to change to a newer catalog by completing a form with the Office of the Registrar. A student may petition the Academic Policy Committee if s/he wishes to follow an earlier catalog.
You will need Adobe Acrobat Reader in order to view or print the PDF of this catalog. Acrobat Reader is a free product from Adobe. If you don't already have Acrobat Reader you can download it from the Adobe website.
- 2014-2015 College Catalog (PDF, large file)
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Jan 25 - The Federal Home Loan Bank of Indianapolis has announced that it will repurchase up to $250 million in par value of excess stock from shareholders that are former members (or their successors-in-interest) with excess stock (provided that no fractional shares will be repurchased). This repurchase is in accordance with Section VI.C of the bank's capital plan dated Sept. 19, 2002, (as amended) and is being undertaken for general capital management purposes. The excess stock that is subject to the repurchase is currently subject to mandatory redemption requests and in the ordinary course of business would have been redeemed by April 2014. Letters of repurchase were sent to affected shareholders that held excess stock as of Dec. 31, 2012. The letters were mailed on Jan. 24, 2013, and the repurchase will occur on or about Feb. 8, 2013, provided that such repurchase meets all of the terms and conditions of the bank's capital plan as of the date of the repurchase.
The bank's fourth quarter dividend declaration and fourth quarter and year 2012 earnings will be announced on or about Feb. 21, 2013.


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BNA - For Australian and visiting cyclists from Road to MTB, to Track to Freestyle
Not another helmet debate
Equipment and On Road Behaviour, Laws and Rules. Cycling Promotion and Advocacy
13 posts • Page 1 of 1
Not another helmet debate
I've managed to avoid the helmet debates here, but thought this story in The Age was an interesting read.
Just for the record, I agree with the story. I'll be wearing a lid regardless.
[mods- I think this is the right part of the forum, and couldn't see it mentioned anywhere else]
Phil Liggett, TdF 2011, Alpe-d'Huez: "I reckon tonight in hindsight he may have won the Tour de France tomorrow."
Re: Not another helmet debate
I stopped reading after :
If you ride a bike long enough, you will fall off
Re: Not another helmet debate
I'm an advocate of wearing helmets, but I will also admit that I am now an advocate of repealing the helmet laws. I would still wear one under the same circumstances as I do now (almost without exception, always) and insist on my children wearing one until they are adults and can make their own decisions about the matter.
I could agree with you, but then we would both be wrong.
Re: Not another helmet debate
Good to hear, because wearing helmets for personal safety and forcing people to wear them are two different things.
But often when the MHL is mentioned people assume that is because wearing a helmet is a good thing.
That may* be, but forcing people to wear one is not a good thing.
* like it or not, the safety of these helmets is debatable, there is no clear proof it is safer, and no clear proof it isn't.
Re: Not another helmet debate
I note that this thread has already started to gravitate towards a generic helmet law toss up from the 3rd post. You guys are hopeless for the lack of fresh angles on the subject! Lack of original thinking will get you nowhere...
Bianchi, Ridley, Montague, GT, Garmin and All things Apple
Re: Not another helmet debate
yep, better lock this thread before it get out of hand.
Re: Not another helmet debate
Saw the article (it is syndicated across the Fairfax press) earlier this morning and I agree with the sentiments expressed in the article. I guess I simply value my brain and my life to bother to argue about it .... dead or in rehab makes it all too late.
Re: Not another helmet debate
I agree with the article also. I wore a helmet when cycling in France. There were people who didn't wear helmets - but in most cases (out side of Paris) most people we rode with wore helmets.
Re: Not another helmet debate
For anyone who hasn't realised, it's not immediately clear from the Fairfax websites, but the piece is by the author of Cycling Tips Blog.
- Dave
Re: Not another helmet debate
Oh Yay.
You've all heard my opinion on this before, as a rider and as a forum mod. Not wasting keystrokes when nothing's changed on either side.
[mod helmet]More to do than this. If anyone gets upset, hit the report button and I'll worry about it then. I'm outta here.[/mod helmet]
...whatever the road rules, self-preservation is the absolute priority for a cyclist when mixing it with motorised traffic.
London Boy 29/12/2011
Re: Not another helmet debate
In that case I vote get rid of MHL and introduce mandatory air bags on all bikes!
Re: Not another helmet debate
My new Defy Advanced is only 18.7 kg with carbon bottle cages and airbag fitted.
Once you can climb hills on a bike it's all downhill.
Hopefully I'll know what that's like..... one day.
Re: Not another helmet debate
Airbags in action
Ouch! I did something like this back in 2001.... much smaller mound but going rather faster! Massive nose-wheelie followed by faceplant. Unconscious for 5-10 mins and broken wrist that is still giving me grief.
Riding bikes in traffic - what seems dangerous is usually safe; what seems safe is often more dangerous.
13 posts • Page 1 of 1
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Initiatives list
HOME > CSI > Projects > Initiatives list
Initiatives list
Soccer Field Handover
All sports events had to be played at the other schools or on communal sports fields. Rio identified the schools needs and has provided a full size soccer field and a tarred netball court.We are very happy to have been able to assist in We are very happy to have been able to assist in
improving the school facilities and look forward to a number of sporting stars being developed here.
Some of the Guest that attended this handover were;
ANC Councillor
Mr Goitse Mogoemang
ACT Education Circuit Manager
Mr Motswi Mohutsioa
COO of the NWGB
Mr Mothunye Mothiba
Marketing Manager of the City Council
Mrs Sandy Botha


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The page you are looking for might have been removed, had its name changed, or is temporarily unavailable.
Obtain the Property Report required by Federal law and read it before signing anything. No Federal agency has judged the merits or value if any, of this property. This Website is not an advertisement or solicitation to purchase or sell property in states where prohibited by law.


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Lisa Fairfax, the Leroy Sorenson Merrifield Research Professor of Law and Director of Conference Programs at George Washington Law will present "Managing Expectations: Does the Directors' Duty to Monitor Promise More than it Can Deliver?" on Monday, Oct. 22 at 5 p.m.
The recent financial crisis and the corporate governance crisis exemplified by Enron and Worldcom have placed renewed emphasis on directors' monitoring duty—directors' duty to actively monitor the corporation and its employees to better detect and prevent wrongdoing. Commentators have suggested that directors' failure to actively oversee the corporation and its employees may have contributed to, if not been a leading cause of, the financial crisis and corporate governance failures that have led to large scale losses to the corporation and the broader society. As a result, significant focus has been placed on enhancing directors' monitoring duty in order to prevent such crisis and improve corporate governance. This article pinpoints the legal and practical limitations associated with making the directors' monitoring duty more robust, and then addresses whether those limitations undermine the extent to which we can realistically expect the monitoring duty to have any appreciable impact on directors' ability to better detect and prevent corporate wrongdoing, or otherwise improve corporate governance.


text: DIGITAL TREASURES : Item Viewer home : browse : advanced search : preferences : my favorites : about : help add to favorites : reference url back to results : previous : next Luther Halsey Gulick TitleLuther Halsey Gulick Full Size Imagehttp://dlib.cwmars.org/cdm4/images/full_size/Springfield_College/16.jpg SubjectGulick, Luther Halsey, 1865-1918--Portraits; International Young Men's Christian Association Training School (Springfield, Mass.)--Faculty--Portraits; Springfield College--Faculty--Portraits DescriptionA cabinet card photograph of Luther Halsey Gulick. Luther Gulick was the first director of the physical training department at Springfield College. While he was at the School, he inspired James Naismith to devise the game of basketball and was responsible for the creation and adoption of the inverted triangle used by Springfield College and the YMCA as their seals and symbols. Gulick felt the inverted triangle was the perfect symbol to represent the whole man, denoting the perfect balance of the spirit, mind and body. After leaving the Training School, Gulick served as physical education director at the Pratt Institute High School in Brooklyn and later became head of the physical training for the New York public schools. Gulick and his wife, Charlotte Vedder Gulick, went on to found of the Camp Fire Girls of America in 1910 as a sister organization to the Boy Scouts of America. Luther Gulick died August 13, 1918 at his summer home in Maine. CreatorGeo. C. Van Norman (Photographer), Springfield, Mass. PublisherC/WMARS http://www.cwmars.org/ Date1890? TypeImage FormatImage/jpg IdentifierSC21281 Languageen-US RelationIs part of the Luther Halsey Gulick Papers. Springfield College Archives and Special Collections, Springfield, Massachusetts, http://www.spfldcol.edu/archives RightsText and images are owned, held, or licensed by Springfield College and are available for personal, non-commercial, and educational use, provided that ownership is properly cited. A credit line is required and should read: Courtesy of Springfield College, Babson Library, Archives and Special Collections. Any commercial use without written permission from Springfield College is strictly prohibited. Other individuals or entities other than, and in addition to, Springfield College may also own copyrights and other propriety rights. The publishing, exhibiting, or broadcasting party assumes all responsibility for clearing reproduction rights and for any infringement of United States copyright law. add to favorites : reference url back to results : previous : next powered by CONTENTdm ® | Contact: June Stokoe ~ Digital Initiatives ~ C/W MARS ^ to top ^


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Made from Midwest's Micro-Cut Quality Basswood sheets. Clapboard siding great for miniature crafts and architectural models. All clapboard is 1/16 in. thick x 3 in. wide x 24 in. long. Size noted below is for ridge spacing between ridges.
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HOME MLB Colorado Rockies Gear Colorado Rockies Ladies Colorado Rockies Ladies Accessories Colorado Rockies Ladies Accessories Electronics (6 items) Product ID: 656767
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Order today, receive no later than Friday, January 2nd. Some limitations apply.
$4.99 3-day shipping. Need it faster?
Keep your hands free for cheering on the Rockies with the help of this Podsta smartphone stand. It's constructed from thick, durable foam to prevent any wear on your device and has flat sides on which to balance it horizontally or vertically for easy, hands-free video chat or movie play. Boasting a printed team logo on the back and a small lip on both sides to hold your device in place, the Podsta will quickly become an irreplaceable accessory for proudly displaying your team pride!
- Compatible with most smartphones & iPods
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


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17 Minutes With Little Mix
Win X-Factor U.K.: check. Generate over 50 million YouTube video-views: check. Date One Direction: check. It's official! British girl group Little Mix has totally taken over. In their first U.S. interview ever, the girls dish to Seventeen about music, style, and of course guys!
By Emily Laurence
On Avoiding Drama
"Being in a girl group, we might bicker a lot about hair dryers or straighteners, but it's never serious. We've been lucky that we get along so much, it's like having three other sisters to party with every dayit's fun!" Perrie Edwards


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Pentagon Spending on the Chopping Block
The current economic crisis, coupled with concerns about spiraling deficits and our staggering national debt, is, at long last, bringing military spending to the forefront of the budget debate. Not since the end of the Cold War and the discussion of a "peace dividend" has the Pentagon budget—generally considered sacrosanct—received such scrutiny.
In January 2010, President Obama's formed the National Commission on Fiscal Responsibility and Reform to advise the administration on options for addressing the U.S. national debt. In response, Congressman Barney Frank (D-MA) convened a bi-partisan panel of national security experts to generate a series of recommendations on how to cut the defense budget while preserving U.S. national security. The Sustainable Defense Task Force released its report, "Debt, Deficits and Defense: A Way Forward," on June 11, in Washington, D.C.
The Task Force report does not include any recommendations related to the cost of the wars in Iraq and Afghanistan. It looks only at the Pentagon's annual "base" budget. The report's combined recommendations would cut $960 billion over ten years, an average annual reduction of roughly 17 percent below current spending levels.
Defense spending accounts for more than half of the federal government's entire discretionary budget. At a time when virtually every community in the country is facing critical budget shortfalls, defense spending has continued to grow. While the White House has announced a freeze on all non-security related discretionary spending over the next three years, the Obama Administration's proposed budget for Fiscal Year 2011 (which will begin on September 30) includes a two percent increase in the Pentagon's budget. This puts increasing pressure on most domestic spending programs. Over the last decade, total federal discretionary spending has grown by 28 percent and military spending (not including the wars in Iraq and Afghanistan) by over 40 percent. Meanwhile, federal grants to state and local governments have grown by only 14 percent.
The Task Force's report proposes cuts such as reducing the number of deployed nuclear weapons to 1,000 and cutting the number of submarines and missiles which carry them; cutting the total number of active duty members of the Army and Marine Corps to 50,000 below their levels before the Iraq and Afghanistan wars; cutting certain weapons programs including the Joint Strike Fighter, the V-22 "Osprey" tilt-rotor aircraft, and the total number of Navy aircraft carriers; and reforming the Pentagon's health care and compensation systems.
As one might expect, reaction to the Task Force Report has been mixed, with traditional Pentagon supporters attacking it for being poorly timed, given that the nation is at war, and claiming it will lead us toward a military ill-prepared to meet our nation's security needs. Meanwhile, moderates and fiscal conservatives view it as a responsible way to make defense cuts in a time of severe budget austerity. Those who have spent years arguing that military spending is a drain on more important domestic priorities welcome it as a step towards a more common sense approach to military budgeting.
According to the Project on Defense Alternatives, one of the major contributors to the report who hosts it on their website, the report was downloaded over 100,000 times in less than a month.
An End to Constant War
Seven reasons we're always at war ... and seven ways to quit.
Congressman Frank and a bi-partisan group of House members plan to circulate a letter to their colleagues regarding the defense budget and the deficit. While the final text of the letter has not been released at the time of this writing, it is not expected to endorse the Task Force report specifically. It is expected, however, that the signers will pledge not to support any major deficit reduction package considered by Congress unless it includes defense spending cuts. A similar letter is also expected to circulate in the Senate.
Regardless of the impact this or any other letter has on the deficit debate in Congress, the Task Force report insures one important thing: supporters of reduced military spending now have an answer to the question, "how do you cut Pentagon spending without undermining our nation's security?" At a time when all areas of federal spending should be subject to the budget cutter's knife, it can no longer be said, even within the mainstream debate, that it's impossible to identify significant savings in the Pentagon budget.
To view the report "Debt, Deficits and Defense: A Way Forward," click here.
Christopher Hellman wrote this article for YES! Magazine, a national, nonprofit media organization that fuses powerful ideas with practical actions. Christopher is communications liaison at the National Priorities Project in Northampton, Massachusetts. He was previously a military policy analyst for the Center for Arms Control and Non-Proliferation, a Senior Research Analyst at the Center for Defense Information, and spent ten years on Capitol Hill as a congressional staffer working on national security and foreign policy issues. He is a frequent media commentator on military planning, policy, and budgetary issues.
- Raiding the War Chest:
It's called "defense" spending, but how much of it is actually about defense? Here's how we could save billions, and still have billions left to make the U.S. and the world more secure.
- Afghanistan: Should We Stay or Should We Go?:
We've devoted over $250 billion towards waging war in Afghanistan, David Wildman, Sunita Viswanath, and Lorelei Kelly ask, "Is it working?"
- 8 Years of War— And What Do We Get?
The skyrocketing costs and casualties of the war in Afghanistan should make us re-evaluate our national priorities and broaden our definition of security.
That means, we rely on support from our readers.
Independent. Nonprofit. Subscriber-supported.


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Summit Space Saving Appliance Station for Combination Kitchens - Stainless Steel Model:C39APSS
This product has been Discontinued. (details)
Description & HighlightsBe the first to Write a Review
Summit Space Saving Appliance Station for Combination Kitchens - Stainless Steel
Add to the space-saving efficiency of Summit's Combination Kitchens with Summit Appliance Stations (C301APSS, C39APSS, C48APSS, C60APSS). These sturdy shelf systems give you storage above your combination kitchen and a three-plug allocator box for regulating overall power consumption of your small kitchen appliances to 10 amps. With an 18" depth, the heavy duty metal shelf accommodates microwaves, coffee makers, and most other small appliances. The Appliance Station is available in sizes to fit any Summit Combination Kitchen, and they are also available in white (model APSW).
Specifications & Manuals


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Drug Notes
UPMC Patient Education Materials
Calculators and Assessment Tools
Anatomy Navigator
Conditions Navigator
Bedwetting is involuntary urination in children over 5 to 6 years old. It may occur at any time of the day or night. This article focuses on nighttime bedwetting.
See also: Incontinence
Children develop complete control over their bladders at different ages. Nighttime dryness is usually the last stage of toilet learning. When children wet the bed more than twice per month after age 5 or 6, it is called bedwetting or nocturnal enuresis.
Bedwetting is common. More than 5 million children in the U.S. wet the bed at night. Some children still wet the bed at age 7. The numbers drop slightly by age 10. Although the problem goes away over time, many children and even a small number of adults continue to have bedwetting episodes.
Bedwetting runs strongly in families.
There are two types of bedwetting
Physical causes are rare, but may include lower spinal cord lesions
, birth defects of the genitourinary tract, infections of the urinary tract, or diabetes
The main symptom is involuntary urination, usually at night, that occurs at least twice per month.
Your child's doctor will discuss the history of bedwetting in detail. You can help by keeping a detailed diary that outlines normal urination and wetting episodes, fluid and food intake (including time of meals), and sleep times.
A physical examination should be performed to rule out physical causes. A urinalysis will be done to rule out infection or diabetes.
X-rays of the kidneys and bladders and other studies are not needed unless there is reason to suspect some other problems.
Doing nothing or punishing the child are both common responses to bedwetting. Neither helps. You should reassure your child that bedwetting is common and can be helped.
Start by making sure that your child goes to the bathroom at normal times during the day and evening and does not hold urine for long periods of time. Be sure that the child goes to the bathroom before going to sleep. You can reduce the amount of fluid the child drinks a few hours before bedtime, but this alone is not a treatment for bedwetting. You should not restrict fluids excessively.
Reward your child for dry nights. Some families use a chart or diary that the child can mark each morning. While this is unlikely to solve the problem completely, it can help and should be tried before medicines are used. It is most useful in younger children, about 5 to 8 years old.
Bedwetting alarms are another method that can be used along with reward systems. The alarms are small and readily available without a prescription at many stores.
The alarm wakes the child or parent when the child starts to urinate, so the child can get up and use the bathroom. Alarm training can take several months to work properly. You may need to train your child more than once. Bedwetting alarms have a high success rate if used consistently.
Once your child is dry for 3 weeks, continue using the alarm for another 2 weeks and then stop.
A prescription medication called DDAVP (desmopressin) is available to treat bedwetting. It will decrease the amount of urine produced at night. DDAVP is easy to use and provides quick results. It can be used short-term for an important sleepover, or prescribed for long-term use for months. Your doctor may recommend stopping the medicine at different times to see if the bedwetting has gone away.
Tricyclic antidepressants (most often imipramine) can also help with bedwetting. However, side effects can be bothersome, and an overdose can be life-threatening. Therefore, these drugs are usually used when other treatments have failed.
Some sources find that bedwetting alarms combined with medicine results in the highest number of cures.
For children with secondary enuresis, your doctor will look for the cause of the bedwetting before recommending treatment.
The condition poses no threat to the health of the child if there is no physical cause of bedwetting. The child may feel embarrassment or have a loss of self-esteem because of the problem. It is important to reassure the child. Most children respond to some type of treatment.
Complications may develop if a physical cause of the disorder is overlooked. Psychosocial complications may arise if the problem is not dealt with effectively in a timely manner.
Be sure to mention bedwetting to your child's health care provider. Children should have a physical exam and a urine test to rule out urinary tract infection
or other causes.
If your child is having pain with urination, fever, or blood in the urine, contact your child's doctor right away.
Getting plenty of sleep and going to the bathroom at regular times during the day and night can help prevent some aspects of bedwetting.
Robson WL. Clinical practice. Evaluation and management of enuresis. N Engl J Med. 2009;360:1429-1436.
Katz ER, DeMaso DR. Rumination, pica, and elimination (enuresis, encopresis) disorders. In: Kliegman RM, Behrman RE, Jenson HB, Stanton BF, eds. Nelson Textbook of Pediatrics. 19th ed. Philadelphia, Pa: Saunders Elsevier; 2011:chap 21.
This article uses information by permission from Alan Greene, M.D., © Greene Ink, Inc.
Neil K. Kaneshiro, MD, MHA, Clinical Assistant Professor of Pediatrics, University of Washington School of Medicine. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M., Inc.
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