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Seven Nordic skiers named to national all-academic squad March 10, 2014 Seven members of the Bates College Nordic ski team were named to the 2014 National Collegiate All-Academic Ski Team as announced by the United States Collegiate Ski Coaches Association. [read more]
Grossman 25th, Buetow 37th in freestyle races at NCAAs March 8, 2014 Hallie Grossman placed a career-best 25th in the women's 15K freestyle race, while senior Jordan Buetow took 37th place in his final race as a Bobcat in the men's 20K freestyle, completing the 2014 NCAA National Collegiate Skiing Championships. [read more]
Grossman 30th, Buetow 40th in NCAA classical races March 6, 2014 Bates junior Hallie Grossman and senior Jordan Buetow placed 30th and 40th in their respective classical technique races on Thursday at the 2014 NCAA National Collegiate Skiing Championships. Grossman's result was a career-best at NCAAs. [read more]
Buetow, Grossman both make third straight NCAA Championship February 25, 2014 Senior Jordan Buetow and junior Hallie Grossman will represent the Bates Nordic ski team for the third consecutive year at the 2014 National Collegiate Men's and Women's Skiing Championships, hosted by the University of Utah March 5-8. [read more]
Carnival season concludes for Nordic at NCAA East Regionals February 22, 2014 A trio of first-year skiers led the Bates women's Nordic ski team as a unit in the 15K women's freestyle race, as the EISA carnival season concluded with the NCAA East Regional Championships on Saturday. [read more]
/sports/nordicski/2013-14/photos/0002/Hamilton-_Alex_cropped_p1173965.jpg?max_width=585&max_height=348 /sports/nordicski/2012-13/releases/buetow-grossman-in-top-14-in-dartmouth-classical-races.html_6b730.jpeg?max_width=585&max_height=348 /sports/nordicski/2012-13/photos/GrossmanCL_7565-600x400.jpg?max_width=585&max_height=348 /sports/nordicski/2013-14/photos/0007/BuetowFS_8406.jpg?max_width=585&max_height=348 /sports/nordicski/2013-14/photos/0007/MillslagleFS_8429.jpg?max_width=585&max_height=348
3/8/14 Final
Nordic Skiing
22nd/23vs. NCAA Championships | Men's 20K/Women's 15K Freestyle
@ Soldier Hollow Resort (Midway, Utah)Results | Recap
3/6/14 Day 2 of 4
Nordic Skiing
21st/23vs. NCAA Championships | Women's 5K/Men's 10K Classical
@ Soldier Hollow Resort (Midway, Utah)Results | Recap
2/22/14 Final
Nordic Skiing
7th/15vs. Middlebury Carnival/NCAA East Regional
@ Rikert Nordic Center (Ripton, Vt.)Results | Recap | Photos
2/21/14 Day 1
Nordic Skiing
7th/15vs. Middlebury Carnival/NCAA East Regional
@ Rikert Nordic Center (Ripton, Vt.)Results | Recap | Photos
Nordic Skiing
Bates Carnival (Classical)
Black Mountain | Rumford, Maine
Nordic Skiing
Bates Carnival (Freestyle)
Black Mountain | Rumford, Maine
Nordic Skiing
at UVM Carnival (Freestyle)
Trapp Family Lodge | Stowe, Vt.
Nordic Skiing
at UVM Carnival (Classical)
Trapp Family Lodge | Stowe, Vt.
Nordic Skiing
at Saint Michael's Carnival (Classical)
Sleepy Hollow | Huntington, Vt.
February 21, 2014 Women's Nordic third in classical race at East Regionals First-year Tara Humphries led a stellar effort by the Bates women's Nordic ski team in the 5K classical race at the Middlebury Carnival, which doubles... [read more]
February 15, 2014 Women's Nordic has three in top 24 in Williams classic race Junior Hallie Grossman placed fifth in her best carnival finish this season, to head a strong performance by the Bates Nordic ski teams in the women's... [read more]
February 14, 2014 Nordic teams both sixth in freestyle relays at Williams Carnival Bates' men's and women's Nordic ski teams both took sixth place in the 3x5K freestyle relay races Friday on the first day of the Williams Carnival at... [read more]
February 8, 2014 Grossman, Woods lead Nordic ski teams at Dartmouth Carnival Junior Hallie Grossman placed 11th in the women's 15K classic race and senior Sean Woods placed 17th in the men's 20K classic to lead the Bates Nordic... [read more]
February 7, 2014 Grossman paces Nordic teams in Dartmouth freestyle races Junior Hallie Grossman placed 12th among 69 collegians, highlighting the freestyle races for the Bates Nordic ski teams Friday at the Dartmouth... [read more]
February 2, 2014 Men's Nordic maintains high speed as UVM Carnival concludes Bates seniors Jordan Buetow and Sean Woods both placed among the top 15 in the men's 10K freestyle race, for a strong conclusion to the UVM Carnival... [read more]
February 1, 2014 Men's Nordic wins classic sprint race at UVM Carnival The shortest race of the EISA carnival season was right in the wheelhouse of the Bates men's Nordic ski team, who placed first among 13 teams in the... [read more]
January 25, 2014 Nordic finishes up strong weekend at UNH Carnival Junior Hallie Grossman and senior Jordan Buetow both finished among the top 10 for the second straight day in their respective freestyle races, as the... [read more]
January 24, 2014 Nordic teams both fifth in classic races at UNH Carnival Junior Hallie Grossman took fifth place overall in the women's 5K classic technique race, and senior Jordan Buetow placed 10th in the men's 10K... [read more]
January 18, 2014 Nordic skiing bounces back in freestyle races at Colby The Bates women's squad placed three skiers among the top 27, while senior Jordan Buetow placed sixth in the men's race, leading Bates Nordic skiing... [read more]
January 17, 2014 Grossman, Buetow lead Nordic team's opener at Colby Junior Hallie Grossman finished 22nd overall in the women's 5K classic technique race and senior Jordan Buetow placed 27th in the men's 10K classic... [read more]
January 17, 2014 Nordic ski team opens promising season at Colby Carnival The EISA carnival season at last gets underway for the Bates Nordic ski team this weekend at the Colby Carnival, kicking off a promising season for... [read more]
January 8, 2014 Ellefson wins 30K freestyle at U.S. Cross Country Championships Sylvan Ellefson '09 took a major step toward realizing his Olympic dreams on Wednesday, winning the 30-kilometer freestyle mass start race at the U.S.... [read more]
January 6, 2014 Buetow places fourth in skate sprint at U.S. Championships With Olympic hopeful Sylvan Ellefson '09 also competing, Jordan Buetow '14 placed fourth overall in the 1.5-kilometer freestyle sprint at the U.S.... [read more]
December 18, 2013 Bamford '15, Ellefson '09 set sights on Sochi Olympics Sylvan Ellefson '09 and Emily Bamford '15 share a pedigree as Bobcat skiers, but they're taking very different trails toward their... [read more]
October 29, 2013 Dunlap '08 on board as assistant Nordic ski coach Bates head coach of Nordic skiing Becky Woods '89 has announced the return to campus of Matt Dunlap '08, as the program's assistant coach. [read more]
August 23, 2013 ESPNW profiles resilient former Nordic skier, Kaitlyn McElroy '07 ESPNW features the story of Kaitlyn McElroy '07, a former Nordic skier at Bates College, who is competing in the kayak world championships in Germany. [read more]
March 9, 2013 Grossman, Buetow take 32nd, 38th in NCAA freestyle Bates sophomore Hallie Grossman and junior Jordan Buetow placed 32nd and 38th, respectively, in the Nordic freestyle races as the NCAA National... [read more]
March 7, 2013 Grossman, Buetow are 37th, 40th in NCAA classic races Bates sophomore Hallie Grossman and junior Jordan Buetow placed 37th and 40th in their respective classical technique races on Thursday, the first day... [read more]
February 25, 2013 Buetow, Grossman picked to return to NCAAs Bates College will have four student-athletes competing at the 2013 NCAA National Collegiate Skiing Championship, including two from the Nordic team... [read more]
February 23, 2013 Nordic finishes strong in freestyle at NCAA Regionals The Bates Nordic ski team enjoyed an outstanding final day of the carnival season on its home turf at Black Mountain, placing three athletes in the... [read more]
February 22, 2013 Nordic looks solid in classical races at Bates Carnival The Bates' men's and women's Nordic ski teams both had two skiers in the top 22, and both placed sixth among 12 squads in the classical technique... [read more]
February 16, 2013 Nordic teams both 5th in Middlebury freestyle races Hallie Grossman led the Bates women with another strong performance, and Lucas Milliken paced the Bates men's Nordic ski team as the Middlebury... [read more]
February 15, 2013 Nordic teams eighth, ninth in Middlebury classical races Hallie Grossman placed 23rd out of 70 skiers in the women's 5K classical technique race on Friday at the Middlebury Carnival, leading the Bates... [read more]
February 9, 2013 Men's Nordic sixth in 3x5K relay race at Dartmouth The Bates men's Nordic ski team saw one of its two three-man teams place sixth among 20 on Saturday as the Dartmouth Carnival concluded with men's and... [read more]
February 8, 2013 Buetow, Grossman in top 14 in Dartmouth classical races Bates sophomore Hallie Grossman and junior Jordan Buetow were both among the top 14 skiers in their respective races, leading the Bobcat Nordic team... [read more]
February 3, 2013 Bates finishes sixth out of 16 teams at UVM Carnival Junior Jordan Buetow followed up his third-place performance at yesterday's 10K freestyle race with a 12th-place tie in the 10K classical technique... [read more]
February 2, 2013 Buetow, Milliken both top 10 for men's Nordic at UVM Bates junior Jordan Buetow finished third out of 72 competitors on Saturday in the men's 10K freestyle race at the UVM Carnival, earning the right to... [read more]
January 27, 2013 Bates fifth again as Colby Carnival concludes Sophomore Hallie Grossman finished out of the top 10 for the first time this season, but still came in an impressive 12th place out of 97 skiers on... [read more]
January 26, 2013 Nordic women 4th, men 6th in classical races at Colby Sophomore Hallie Grossman finished 10th overall -- her third top-10 finish in as many carnival races this year -- to lead the Bates Nordic ski team in... [read more]
January 19, 2013 Buetow takes second in prologue at St. Lawrence Bates College junior Jordan Buetow reached his first carnival podium on Saturday, claiming second place among 87 competitors in the men's 3K prologue... [read more]
January 18, 2013 Nordic ski team has outstanding season debut in Lake Placid Hallie Grossman finished eighth overall, leading the Bates women's Nordic ski team to fourth place among women's squads in the 15K freestyle race at... [read more]
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This is a silicone-based facial lubricant that creates a very smooth surface to make shaving easier. The silicones and plant oils also help to protect skin from razor burn. The only drawbacks are that it doesn't rinse easily from the razor blade or your skin, and the sandalwood extract is a potential irritant. This is one to sample before purchasing to see if this pre-shave step improves or impedes your shaving routine.
Provides exceptional cushion and glide for a close, accurate shave. Protects and moisturizes the face to help prevent razor burn. Rich emollients help soften beard to promote a fast, close shave. Perfect as a prep for thicker, coarser beards.
Dimethicone, Cyclopentasiloxane, Methyl Trimethicone, Dimethiconol, Hordeum Distichon (Barley) Extract, Tocopheryl Acetate, Santalum Album (Sandalwood) Extract, Phellodendron Amurense Bark Extract, Simmondsia Chinensis (Jojoba) Seed Oil, Prunus Amygdalus Dulcis (Sweet Almond) Oil, Vitis Vinifera (Grape) Seed Oil
Owned by Estee Lauder Corporation, Lab Series Skincare for Men used to be called Aramis Lab Series for Men. Lauder also has other brands that offer male-specific products, including Clinique Skin Supplies for Men and Aveda Men, but the Lab Series products by far have the better formulas. That's not to say there aren't any missteps to watch out for, because there are plenty, but given that the formulas of most men's products fall far behind those of women's products in terms of basic good skin care, a few good products in a men's line is something out of the ordinary. Compared with Clinique's soap- and alcohol-laden toner routine and the incomplete, overly fragrant offerings from Aveda, Lab Series is the Lauder-owned men's line most deserving of your consideration.
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In terms of ingredients, there is nothing in these formulas that you don't also find in products marketed to women. Regardless of gender, skin is skin. Hormonal elements do play a role, such as male hormones making a man's skin thicker and more oily than a woman's skin, just as female hormones make a woman's skin smoother and softer, and, more often than not, with smaller pores than a male. But, in terms of what either gender needs to create and maintain healthy, protected skin, there is no fundamental difference. When it comes to acne, sun protection, free-radical damage, growing older, rosacea, psoriasis, and on and on, there is no research showing that men require products that are different from those women need.
Quality aside, what generally differentiates men's products from women's is packaging, and Lab Series Skincare for Men follows that theme. They offer masculine, no-nonsense packaging and plenty of products to deal with the morning shaving ritual. And considering all the talk about elite doctors and scientists endeavoring to create superior products for men, it's disturbing that these so-called experts formulated several products that contain irritants such as alcohol (which also generates free-radical damage), menthol, sandalwood, and peppermint. Those bracing, invigorating ingredients may seem manly, but it's only sensory perception. The reality is that the amount of these irritants in many of the problematic Lab Series products makes them damaging to skin, especially when applied immediately after shaving, causing "razor burn" (which is not really only about the process of using a razor. Think about women shaving their legs; they don't get red bumps unless they use overly fragrant moisturizers afterward.)
It is worth mentioning that Lab Series offers sensible advice about the best ways to shave skin on their Web site. Some of their other information about men's skin having special needs is off base and not at all rooted in fact, but it works within the context of getting guys to become more interested in keeping up their appearances using a sensible skin-care routine.
For more information about Lab Series, call (866) 316-4819 or visit www.labseries.com.
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text: Fall 2013 « Prev Next » Approved Price: $23.99 Available Sizes: Select Size: NONE Small Medium Large XL XXL Size Chart (or) Buy this from our Stockists! (X) Approved, Black Tan, is in stock with these Stockists: Find an Altamont dealer near you Product Info • 100% cotton ring spun 30 singles t-shirt. • Screen-print. Product code: 3130001082/975 Give it Twitter Facebook Like This! Like Button?


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Rectangular 100% polyurethane faux leather crossbody bag. Cotton canvas adjustable crossbody strap with top zip closure. Single slip pocket at front with velcro closure. Embossed PUMA logo at front. Puma printed interior lining with single zip pocket and small logo patch. Body length 8 inches; height 9¾ inches; width 2½ inches. Crossbody strap drop at shortest 11 inches; at longest 26 inches.
Material: 100% polyurethane
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Origin: Imported
Puma is the product of a sibling-rivalry moment between brothers Rudolf and Adolf Dassler, who in 1948 resolved an argument by splitting their Bavaria-based shoe factory into two new companies: Puma, founded by Rudolf, and Adidas, established by Adolf. In addition to creating iconic suede basketball shoes, Puma has outfitted elite athletes such as soccer legend Pelé and was the first footwear company to use vulcanized rubber and foam-free midsoles. Over the decades the company has grown into a globally recognized lifestyle megabrand with an extensive accessories line that includes chic headbands, watches, backpacks, duffel bags, and women's handbags — all emblazoned with Puma's signature leaping cat logo. By synthesizing creative influences from the sports and fashion worlds, Puma accessories represent fashion-forward design at its best. This is one cool cat.


text:
In Rafmögnuð Náttúra, a series of site-specific video performances and visuals inspired by the four elements are video-mapped and projected onto the church, specifically adapted to each particular detail of the façade. The intention is to challenge the audience's spatial perception with an installation that blurs the boundaries between dance, film and architecture. The audience takes a participatory role and becomes an active element that is capable of interacting with the light projected on the building through a midi controller. The work included a live performance of Icelandic band For a Minor Reflection.
Rafmögnuð Náttúra" was conceived by Marcos Zotes and created in collaboration with Chris Jordan, Thessia Machado, Noa Younse, Andrea Dart, Steven Tsai, Coco Karol, Azmi Mert Erdem and Raghul Sridharan.
Concept and Art Direction: Marcos Zotes Technical Direction: Chris Jordan Artists: Marcos Zotes, Chris Jordan, Thessia Machado, Noa Younse, Andrea Dart, Steven Tsai Dance Performance: Coco Karol Videography: Azmi Mert Erdem, Raghul Sridharan Management: Marcos Zotes, Gerður Sveinsdóttir Music: For a Minor Reflection Photography: Enki
2 Comments
Anita Shanky Carbaldur January 26, 2014 at 9:16 am
very nice well done
Marcos Zotes April 10, 2012 at 1:55 am
"Rafmögnuð Náttúra" was conceived by Marcos Zotes and created in collaboration with Chris Jordan, Thessia Machado, Noa Younse, Andrea Dart, Steven Tsai, Coco Karol, Azmi Mert Erdem and Raghul Sridharan. More info at: http://www.rafmognudnattura.com
Concept and Art Direction: Marcos Zotes
Project Management: Marcos Zotes, Gerður Sveinsdóttir
Technical Direction: Chris Jordan
Animation: Marcos Zotes, Thessia Machado, Noa Younse, Andrea Dart, Steven Tsai, Chris Jordan
Dance Performance: Coco Karol
Videography: Azmi Mert Erdem
Special Effects: Raghul Sridharan
Music: For a Minor Reflection
Photogaphy: Enki
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Hi, I'm trying to understand how does insight develop over consecutive lives, especially in the case of bodhisattas and (future) chief disciples of a (future) buddha.
As far as I can tell, there seem to be two opposing viewpoints in the commentaries:
1. Insight develops all the way up to sankhar'upekkha nana over multiple lives.
2. When insight develops to paccaya pariggaha nana, one becomes a cula-sotpanna of a fixed destiny, which means that s/he's assured of not being reborn in the four lower realms and (if I'm not mistaken) assured of becoming a sotapanna in the same life. This would seem to imply that insight can be developed beyond paccaya pariggaha nana only in the last life.
The two viewpoints seem to be contradictory so I wonder if anyone knows how are they reconciled? Thanks.
The sources I came across online for the first viewpoint:
Three posts by Bhante Dhammanando from DSG 42544 42575 42602, giving translations from Majjhima and Puggalapannatti commentaries and Visuddhimagga 442-3 (Path of Purification XIV 28-31).
I remember Pa-Auk Sayadaw says the same thing (about sankhar'upekkha nana) in his Knowing and Seeing, though can't remember the page at the moment.
Three quotes which are related to cula-sotapanna issue are given in this post - from Visuddhimagga XIX, 26, 27; Ledi Sayadaw and Dr Mehm Tin Mon.
Best wishes


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|First Aired :
|25 Feb 2004
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|8 Jan 2154
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|Michael Grossman
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|Andre Bormanis, Mike Sussman
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|When they first enter the hatchery a door seals behind them and the atmosphere changes to become breathable, prompting everybody to take off their helmets. But when they call Archer he opens the door again and walks in. Everybody inside is still not wearing helmets - hasn't Archer just let a big cloud of unbreathable air into the room? Or did the atmosphere become breathable all over the ship when the door closed, in which case why did Archer keep his helmet on all this time?
|Great Moment :
|I like the Xindi babies. They're so cute!
On a more serious note there's nice character continuity here. We see that Reed and Hayes still have their issues, but after their punch-up there is a growing respect - Reed chewing Hayes out for wasting time on his simulations and then apologising when he sees that the MACO has found a new way to blow stuff up is a nice touch, and you can bet Hayes is impressed that Reed and co. managed to out-think his soldiers and take control of the ship.
Blalock gives her usual good performance, standing up to Archer when she thinks he is in the wrong and then instituting a mutiny after being relieved. I can't quite decide if her getting into the armoury disguised with a wig is cheesy or funny...
|Body Count :
|Several MACOs and Starfeeters are stunned in the takeover - at least one presumes the weapons are set to stun. The crew of a Xindi insectoid ship is destroyed.
|Factoid :
|Archer's great grandfather fought during the Eugenics Wars on Earth.
Enterprise discovers a Xindi insectoid ship crashed on a planet. Investigating, they find a hatchery full of eggs on board. Archer wants to save the unborn Xindi children, but his crew are uneasy at the delay in their mission and the resources their Captain is devoting to the task. As Archer's determination reaches obsessive levels, T'Pol must consider leading a mutiny.
I can't help but feel that this episode is a missed opportunity. It's pretty obvious from the first moment that Archer starts acting strangely that something is up with him, and the spray-in-the-face thing with the egg is the obvious candidate for a cause. While the episode is engaging enough on the surface, having Archer act under a compulsion removes much of the interest because we know that ultimately there will be no repercussions here, that everybody will be friends again by the end - the kind of plot reset button that we often see in time travel episodes.
IMHO, this would have been a much more impressive episode if Archer had genuinely wanted to save the eggs, setting up a real conflict between the characters. You would probably have to tone down the behaviour on both sides, make the whole thing a bit more subtle than an outright mutiny, but that's no bad thing. In going for a more over-the-top storyline the writers have missed a chance to generate all sorts of consequences for future episodes.
|Copyright Graham Kennedy
|Page views : 3,214
|Last updated : 28 Jul 2005


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Men's Lanaibrid Shorts - 51810179
The Lanaibrid is a 4-way stretch hybrid short for both in and out of the water. It features the style of a chino walkshort, zip front, logo print on the side seam, and custom woven label trim package. Available in assorted prints depending on the colorway. 22" Outseam. 100% Polyester. Imported.
Enjoy Free Shipping on all orders to the US and Canada! Orders are shipped on business days only. Business days are Monday-Friday, excluding federal holidays within the United States. You will receive an email notification with tracking information once your items ship.
Click here for our entire shipping policy and rates
Items purchased online or by phone may be returned or exchanged by mail or at any DC Shoes/Quiksilver/Roxy retail store.
For a full refund, returns must be made with the original receipt and merchandise must be in its original condition.
Click here for our entire return policy
The nuts and bolts
- 4 Way Stretch
- Assorted Prints By Colorway
- Chino Walkshort Styling
- Zip Front
- Logo Print at Side Seam
- Custom Woven Label Trim Package
- 22"
- 100% Polyester
Reviewed by 1 customer
- Never Arrived Returne
Best Uses
Comments about dcshoes Men's Lanaibrid Shorts:
Unbelievable lack of customer service. No shorts only a notice that my cc would be adjusted. Apparently shorts are suspicious ? Sandals arrived in about 10 days however. Not likely to order online for DC again.
- Was this a gift?:
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New Arrivals
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Espresso Stripe Tie-Front Coverup
Espresso and white stripes angle to slim, on a soft, ultra-light knit coverup—the perfect summer weight. The open front drapes into points you can also flip into a tie at the waist. 76% Acrylic, 24% Nylon. Hand wash. Imported.
- Stretch fit.
- Ruched elbow-length sleeve with two silvertone button accents.
- Hits at the upper hip. (27" from shoulder in front; 21" in back).
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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WASHINGTON - Washington Nationals outfielder Bryce Harper is no longer a rookie, but he's still reaching franchise milestones.
Harper will be only the second Nats player ever featured on the cover of Sports Illustrated when the magazine's Feb. 25 issue hits newsstands on Wednesday. Pitcher Stephen Strasburg graced the front page in 2010.
Your Cover This Week: What does @nationals OF @bharper3407 have in mind for his encore? bit.ly/139AvuW // twitter.com/SIn ow/status/3— Sports Illustrated (@SInow) February 19, 2013
Inside Sports Illustrated says writer Tom Verducci's piece in the issue will focus on what Harper, the reigning NL Rookie of the Year, hopes to accomplish during his second season in the majors and whether he can avoid a sophomore slump.
And while making the cover may be a big deal for the Nats, it's old hat for Harper: He also appeared on it in 2009 with the headline, "Baseball's Chosen One."
© 2013 WTOP. All Rights Reserved.


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If your child needs surgery involving the brain, skull, spinal cord, spinal column, or other parts of the nervous system, we will be there to care for your child and support your family every step of the way. No matter what kind of neurosurgical condition or problem you're facing, our top priority is making sure your child receives the best treatment available.
Pediatric Neurological Disorders and Conditions:
- hydrocephalus
- spina bifida
- tumors
- cysts
- central and peripheral nervous system problems
- birth defects
- injuries affecting the head, brain, nerves, and spine


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Cullen/Frost Bankers, Inc. Hosts Third Quarter 2012 Earnings Conference Call
SAN ANTONIO, Oct. 15, 2012 /PRNewswire/ -- Cullen/Frost Bankers, Inc. (NYSE: CFR) will host a conference call on Wednesday, October 24, 2012 to discuss third quarter 2012 earnings.
(Logo: http://photos.prnewswire.com/prnh/20030109/CFRLOGO)
Earnings Release: The earnings release for Cullen/Frost Bankers, Inc. will be available at approximately 8:00 a.m. Central Time (CT) on the internet at www.frostbank.com or via fax by request.
Conference Call and Live Webcast : The conference call will begin at 10:00 a.m. CT ( 11:00 a.m. Eastern) and will be hosted by Dick Evans, Chairman and CEO, Phil Green, Group Executive Vice President and CFO and Greg Parker, Executive Vice President and Director of Investor Relations.Following the prepared remarks there will be a question and answer session for the analyst community. Media and other interested individuals are invited to listen to the call at the following number: Telephone Number Domestic: 800-944-6430 There will be a live webcast of the call. To access the webcast, go to www.frostbank.com, click on About Frost, then click Investor Relations. Conference Call Playback and Webcast Archive: Those unable to listen to the conference call live will be able to hear a digital playback of the conference call that will be available after 2:00 p.m. CT until midnight Sunday, October 28, 2012. Telephone Numbers for Playback : Toll Free: 855-859-2056 Conference ID# 37619280 The webcast will be archived and available for playback after 2:00 p.m. CT. To listen to the webcast log on to: www.frostbank.com, click on About Frost, then click Investor Relations. It is recommended that those wishing to dial into the conference call do so approximately 5 to 10 minutes prior to the call to ensure a more efficient registration process. For further information contact Greg Parker, Executive Vice President and Director of Investor Relations at (210) 220-5632. SOURCE Cullen/Frost Bankers, Inc.
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giggle Better Basics Baby Gown (Organic Cotton)
Size: sizesize
Quantity: 1
Easy dressing at its best! This one-piece baby gown has an elasticized bottom and snaps at the shoulders to make dressing -- and diaper changes -- a breeze. Part of giggle's "better basics" line, it's made of 100% organic cotton that's both wonderfully soft and reassuringly healthy.
Why it's a giggle pick We designed this line of organic baby essentials to be the perfect combination of quality and value!See Full Details
Meets the following giggle Criteria:
BEST BASICS: everyday baby essentials
HEALTHY: made with safe or organic materials
RESPONSIBLE: eco-friendly or locally produced
the giggle criteria: We've narrowed down the choices by picking only the best products out there. In other words: if we sell it, we love it, and we think you will, too! Each year, we talk to tons of parents to find out what's most important to them when it comes to baby and kids products. The result? Every product we offer goes through a rigorous selection process and must meet at least three of the following criteria to be included in our assortment:
Material100% Egyptian certified organic cotton
AgeNewborn - 6 Months
Rated 4.9 out of 5 by 8 reviewers.
Rated 4 out of 5 by emarsh helpful at night both of my daughters wore gowns at night for months - easy to change diapers at night since there are no snaps & also keep babys legs covered... this one is very soft & sweet. the 0-6 is pretty baggy on my 3 month old (sleeves are also long) so def need a smaller size for your newborn June 4, 2013
Rated 5 out of 5 by Chellysy Love this! I love this gown. It makes it easy to change diapers and convenient when you are changing so many a day! May 26, 2013
Rated 5 out of 5 by LindseyL a newborn must have This is a must have for a baby from 0-3 months, or until they sleep through the night. It makes middle of night feedings easier because it is much easier to change a diaper when there are no snaps - especially if you are low in sleep fuel where ordinarily easy things like snaps suddenly become complicated. Great cotton- thick and high quality! December 11, 2012
Rated 5 out of 5 by MommyJ Perfect for newborn! Very soft, warm, and pretty gown. Perfect for a newborn baby. December 11, 2012
Rated 5 out of 5 by NoahsMommy Love it! This is perfect for keeping baby warm and making it easy for diaper changes in the middle of the night. Best of all, it is safe for baby. I have handed those that my son outgrew to my best friend who just had a baby and she loves them too! March 25, 2012
Rated 5 out of 5 by emarsh must have for first few months super soft/ perfect color. my daughter LIVED in gowns her first few months, esp at night (you cant have too many) the gown makes it so easy to change her diaper & not have to redo all those snaps at 3am. also love the mittens on the sleeves to prevent scratching. must have! makes a great gift too!! March 21, 2012
Rated 5 out of 5 by anita1589 Sturdy and Comfy I registered for this item and received two of them. Features I love are this gown has snaps around the neck which makes it roomy for going over baby's head - which is a bonus if you have a baby like mine who doesn't really enjoy anything going over her head. Also, the weight is perfect for sleeping - it feels thick enough so that I feel like the baby is warm inside, and can sleep well coupled with a sleep sack. Additionally, it makes midnight diaper changes so easy, as you can access the diaper area without snaps and zippers. In the middle of the night, the last thing you need is a crying baby because you accidentally zippered her poor little leg. Stains removed well - and the color is neutral, so if baby #2 happens to be a boy - this will come in handy once again - or if you are buying this as a shower present and don't know what your friend is having you are all set. A great purchase all the way around! March 18, 2012
Rated 5 out of 5 by BrooklynMom30 Great for middle of the night diaper changes! My son only slept in these infant gowns until he was about 6 months. It made it so much easier to change his diaper before the middle of the night feedings. And this one is so soft and cozy. It's prettier than most as well! March 18, 2012
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by Peter Lilienthal, Ph.D. on June 28, 2009
Microgrid Value Propositions
Lifestyle Change: The 3rd Rail of Clean Energy
The Problem with 100% Renewable Energy
How to Classify Microgrids
The Island Energy Challenge
Clean Micro-grid Technologies Will Change the Utility Industry
The Other Problem with Nuclear Power
Clean, Smart Microgrids
Truly Smart Grids in Alaska
High Penetration of Renewable Energy on Islands
Isolated Utilities a Test-Bed for Smart Grids
Microgrids can be as simple as a diesel generator hard-wired to a load. Complex microgrids use distributed renewables, storage, and load management to deliver power that is potentially cleaner and more efficient than conventional power sources. If connected to the central grid, microgrids can add reliability through redundancy and load leveling. HOMER is world's leading tool for designing complex microgrids.
Get smart with the Thesis WordPress Theme from DIYthemes.


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New Arrivals
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Marvelous Motif Maddie Top
Dip-dyed starbursts and intricate seed-bead embellishments twinkle on our light cotton tunic.
- Chico's 30th Anniversary Collection: exclusive, one-of-a-kind pieces individually designed to celebrate 30 unforgettable years.
- Split hem.
- Length: 30+".
- 100% cotton.
- Hand wash. Imported.
We're so sorry: this item sold out sooner than expected. For an equally chic substitute, please call our Personal Service Associates at 1.888.855.4986. Or click on Chico's Chat below for immediate assistance.


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Children are the future, and education is the best way to preserve their future. This is the basic premise of the upcoming symposium, "How Are the Children, Part 6: Reimagining Public Education in Minnesota." The Community Justice Project (CPJ) will host the sixth annual event at UST Law on Wednesday, March 20.
The CPJ strives to bring together community members, attorneys, and government officials in order to address inequities impacting underserved communities. This year, keynote speakers Dr. Verna Price and Dr. Josie Johnson will discuss the disparities that children of color face in the public education system.
African American boys are particularly affected. "These children are being disciplined, expelled, and placed in special education at a far higher rate than their peers," says Ashley Oliver, 3L at UST Law and coordinator of the event.
However, re-imagining public education affects more than simply the school system. Oliver notes that some states even base the expansion of their prison system based on school dropout rates of these boys. "Education is equivalent to liberty in 2013, but its utility has been evasive to many of these boys for some time now," she says.
Evidence suggest that Minnesota's future viability depends on making structural and systematic changes to the public education system. "I chose to be the coordinator of this time-honored event after witnessing its meaningful impact in connecting varying communities that otherwise may not have gotten a chance to collaborate," Oliver says.


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About 15 percent of fathers and 7 percent of mothers ended up more satisfied with their marriage after birth. Another important goal of the research was to understand which couples did well and which did poorly after birth.
Doss says that some explanations for changes after birth can be traced to things that happened even before the couple got married. For example, some mothers whose own parents fought often or divorced showed larger drops in marital satisfaction. Also, couples that lived together before marriage showed more communication problems after birth.
However, events happening at the time of the birth also can change how couples' marriages change. Overall, being married longer and having a higher income seemed to buffer couples against problems after birth.
"One of the interesting findings is that mothers who gave birth to girls showed larger drops in marital satisfaction," Doss adds.
The birth of the first baby was followed by more problems in communication, decreases in couples' confidence that the marriage would last and declines in couples' overall satisfaction with the marriage.
Bottom line: That first baby can be a time of joy and excitement, but it can also put immense strains on a married couple and present them with difficult situations that, for most couples, lead to more relationship problems.Several news stories have been written on this study, including UPI and USA Today.


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When was the last time you contemplated the value of the irrigation ditches that criss-cross our Western Slope communities? Many people do not realize that the "stream" running through their town is not a natural stream but in fact is a manmade ditch.
Most of the reservoirs in the state have been constructed to deliver water to farms, but they provide broader benefits as well. "In addition to providing water to farmers to grow food, ditch companies have constructed an artificial landscape of reservoirs, waterways and riparian corridors that enrich local communities," says John McKenzie, executive director of the Ditch and Reservoir Company Alliance (DARCA).
You are invited to join DARCA members and other water professionals for DARCA's annual convention, titled "Water for Food - Food for Life" at Two Rivers Convention Center Wednesday, Thursday and Friday, March 6-8. The convention will allow farmers, ranchers, ditch company personnel, and other water professionals to network and exchange information on topics such as irrigation efficiency, agricultural-environmental cooperation, and water policy issues. Complete details can be found at www.darca.org or by calling 970-412-1960.
The Ditch and Reservoir Company Alliance (DARCA), organized as a nonprofit organization, was formed in 2001 to assist the state's ditch and reservoir companies. DARCA aims to help these businesses and their shareholders find cost-effective solutions to problems such as heightened regulatory controls, growing urbanization, and other problems that are now facing these historic businesses.
DARCA is governed by an 11-member board of directors who come from both sides of the Continental Divide. Having board members from both the Front Range as well as the Western Slope allow for much needed collaboration. "Many of the growing pains that the Front Range water providers have experienced are currently being faced by ditch and reservoir companies on the Western Slope and we try to help one another out," said McKenzie.
This is part of a series of articles coordinated by the Water Center at Colorado Mesa University in cooperation with the Colorado and Gunnison Basin Roundtables to raise awareness about water needs, uses and policies in our region. To learn more about the basin roundtables and statewide water planning, and to let the roundtables know what you think, go to www.coloradomesa.edu/WaterCenter.
Grant Smittkamp is with the Ditch and Reservoir Company Alliance.


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A Tiffany-style stained glass mirror celebrating the Denver Broncos.
Actual size of 15" wide x 15" tall.
3 Monthly Installments of $35.60
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"Life & Goal Organizer has given me a new perspective on how to reach my greatest potential in all areas."
I have found $5,500 in savings in household expenses! The $100 cost for the package has already paid for itself 55 times over!!
You are awesome Michele, my life has changed because of you. Your de-clutter tips have been fabulous. I even have my FBook friends doing it too.
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John Schnase
John and his wife Carolyn really enjoy camping and anything outdoors. He works wood in his spare time and has great interest in building black powder relic pieces. He's enjoyed an aircraft crash survival course, Coast Guard Search & Rescue demonstration aboard a Dolphin Helo and learned to fly a small plane over the Siskiyou Mountains in the event the pilot slumps. It was intense. Experiencing life, when you are clinging to it, brings full appreciation for trying.
He comes from nearly three decades as a radio broadcaster. Every job in radio to have had, was his at one time or another. He pursued his business degree after leaving radio. He's a native Oregonian with a keen eye to the environment, land steward politics and potential areas that may have been overlooked by other media outlets. The present environment is rich with potential news and he's happy to be able to share some of our Pacific Northwest stories, from Oregon!
We presently manage an eco-friendly Rapid Refill business in Portland. We save companies and consumers money on printing inks and toners, as well as increase recycling each time a cartridge is purchased from us. As each cartridge has many more lives than the box store cartridges, we are saving the Earth one cartridge at a time.
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Arlington DVR
16710 Smokey Pt. Boulevard, Suite 102
Arlington, WA 98223
Are you looking for public assistance services like Basic
Food benefits, TANF, medical assistance, Working Connections, Child Support services, or
drug and alcohol treatment? If so you may be more interested in the CSO
website and
their phone number:
Toll free: 1-877-501-2233
If you are a person with a disability and want to apply for DVR services please call:
Voice: (360) 651-6120
Map to office - by Google Maps
Take I-5 to Arlington Airport Exit
(Exit 206). After exiting, turn east and travel approximately 2 blocks
to traffic light at Smokey Pt Blvd. Turn right onto Smokey Pt. Blvd. and
travel approximately 2 blocks DVR is located on the right hand side of the
road, in the Medallion Hotel complex.
Accessible via Community Transit bus routes 200, 201, or 202.
Check out the Community Transit
web site for more information.
Arlington Weather


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Trino Vest Men's
Shop Online - Inventory Search
Select your size and colour to buy direct from Arc'teryx or from authorized online dealers.
Arc'teryx and Dealer Inventory Search - Buy Online from an Arc'teryx Dealer
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High octane performance forward vest combines WINDSTOPPER® fabric in the front and across the shoulders for weather resistant, windproof protection, with Vistrasari™ stretch material in the back to increase air permeability and mobility.
Every feature on the Trino Vest is selected for high output activities. Stash pockets in the rear are designed for grabbing energy foods or other small essentials without breaking stride, and the internal pocket with media port securely holds a media player, license or credit cards. The drop hem at the back provides added coverage, and the collar is brushed for softness.
Freedom gets elevated with Arc'teryx anatomical shaping creating a vest that is designed to move with the body at a high rate of output over long distances.
Learn More About This Product
Arc'teryx Fit Guide - Athletic Fit
Standing in as our "Arc'teryx Standard" fit, the complex patterns used utilize anatomical shaping and gussets to enhance motion and eliminate excess bulk. Trimmer than the Relaxed fit with room for a base layer, a light fleece mid-layer and a synthetic or down filled mid-layer.
To find out how to calculate your body measurements, view our Sizing Charts:
› Men's Tops | Men's Bottoms
› Women's Tops | Women's Bottoms
Full Feature List
- Moisture-resistant outer face fabric
- Highly breathable—maintains comfort during aerobic activity
- Lightweight
- Quick-drying
- Wind resistant
- DWR finish (Durable Water Repellent) helps repel water from fabric surface
- Stretchy fabric allows you to move more freely
- Anatomical shaping for fit and comfort
- Soft brushed-lined collar
- Locking zipper pulls
- Full front zip with chin guard and wind flap
- Drop back hem
- Internal MP3/key/card pocket with audio port
- Two rear pockets with angled access
- Reflective blazes for enhanced visibility in low light
- P50k WINDSTOPPER®
- Vistrasari™—90% polyester, 10% spandex, 230 g/m². High stretch knit fabric with a smooth face and brushed thermal back features enhanced wicking for comfort and thermal efficiency.
- Machine wash in cold water.
- Tumble dry on low heat.
- Iron on low heat.
- Do not use fabric softener.


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Hats of the 2012 political conventions
Published On: Aug 30 2012 07:58:22 AM PDT Updated On: Sep 06 2012 08:55:08 AM PDT
Check out the wide variety of head gear spotted at the Republican and Democratic national conventions.
The views expressed are not those of this company or its affiliated companies. By posting your comments you agree to our Terms of Use.


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Blocked From Using Bill Me Later - Pay Pal Account
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NEW YORK -- As a Member of Pay Pal for many, many Years, I opened up a Bill me Later Pay Pal account, just 4 weeks ago. I Bought a few things from Ebay using Bill me later. Had a small Balance of 150.00, decided to make 3 payments earlier then waiting a month when it was due. Now er I have a Balance of only 30.00, which is not due till next month. I made a purchase on Ebay yesterday for 18.00, and was trying to pay for it with Bill me later, and it would not be accepted. Kept saying error in RED. So, I paid for it with my Pay Pal account.
Now I call Bill me later, and discuss this problem, asking them why I am blocked out from my own account, and told them that I just opened up this account which they personally verified and approved since I have been an outstanding Pay Pal Customer forever, and they could not answer me in one sentence. I got the run around, and NO one answered why this happened. I Went from one person to another all Day? Now, Having Excellent Credit my entire life, having Paid my Bill me Later Balance within 3 weeks of opening this account, Having an online Business which I use Pay Pal every day for over a Decade to receive payments, etc. Finally when no one had an answer, I was told that I was chosen as a Random person fraud check? and that the only way to un lock/un block my account was to show proof of who I am for their Fraud whatever? I said did anyone make an attempt to use my account. Their answer NO. I said I only used it 4 times, and you excepted my early payments with no problems?, The said: Correct we Agree. I was then Told to fax: my Drivers License, and a Bill from my Home address to prove who I was, in order to unlock this Bill Me later account. I faxed the 2 items over, called back today to see if they received it. I Was told, well, we don't know if we received it? Then Told when they do receive it, whenever they will look at my fax and get back to me in possibly 3 days. I spoke to Pay Pal, Bill me Later, and a Total of 15 people, and was treated with nasty and disrespectful people, still doubting WHO I was, still after explaining that I was was chosen randomly for their fraud experiment. I personally think they had a Glitch, and screwed up!!!!! I will wait for their email, or call, I will pay my Balance of 30.00 in full, which isn't even due for another 3 weeks, I will close this account, and pursue this legally. How Dare they treat me like a F******* Criminal. I've had outstanding Credit my entire life, and have never been treated with such disrespect. I remained pleasant talking to each person, I even had a Lady from Pay Pal, try to intervene with Bill me Later, and they talked ill about her too!!! Saying she shouldn't get involved, this isn't her business even though we had a case number from Pay Pal, and Bill me later. I answered Multiple choice questions, to 3 people, and I answered them all correctly, I gave the last 4 digits of my SS #, My address, my Everything on file, and still I was being badgered. I have just read all the negatives on Bill me Later, and I can tell you, if this is the way people have been treated, then I believe them all. The last Lady said to me from Bill me Later, Well look at it this way Honey, suppose someone was really trying to get into your account, "Wouldn't you want us to treat them the same Way" WTF?? are they Joking. They just approved me a month ago, and then they pull this BS.
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Obsfucation on 03/05/2013:
They are being a little disengenuous with you. I suspect they do it to keep from further enraging you but here's what really happened... and it is not limited to just them, it happens everywhere.
What you did was inadvertently fall into a pattern that raised a red flag. All finanical institutions have to follow certain procedures to ensure that their accounts are not being used to launder funds. One of the most prevalent schemes is to purchase items online then pay them off immediately with cash. (albeit electronic) By doing this a perpetrator would have taken funds that could not normally be passed through the banking system, and turned them into funds that can.
They aren't accusing you of anything, but they are required to take extra steps when certain guidelines are met, and this would have been that case.
Personally I would not choose to do business with them, but it would be for different reasons. I don't think their intentioon was to offend you, they were just doing what they have to do under law. And by the way, it's a law that is subject to a lot of interpretation, so they were probably being overly cautious in this case, but not ill-intentioned.
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Should Be "Screw Me Later"
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BEWARE! Bill Me Later manipulates your PAYMENT DUE DATE so it does NOT CORRESPOND to the date your 6 MONTHS NO PAYMENTS offer expires!
When I open my bills, I look to see when the payment is due. Right? I'll bet you do that too, because woe! to the poor schmuck these days who pays their bills late. So my final payment to SCREW ME LATER // I mean Bill me Later is due on March 8th. But wait! Elsewhere, I find the offer expires March 1st.
SO EVEN IF YOU MAKE YOUR FINAL PAYMENT ON TIME, you'll get socked with the interest payments that accrued on the entire balance! Is this a coincidence? Of course not. Bill Me Later relies on an innattentive consumer to TRICK them into paying the heinous 19+%. They want you to overlook their underhanded scheme so you're trapped.
AND THEN THEY further TRAP YOU by making it difficult to make a payment quickly to avoid paying the interest. Can you make a credit card payment? YOU CANNOT. Can you make a PayPal payment? After all, this company is owned by PayPal! YOU CANNOT. The only way you can make an emergency payment is by ACH debit to your bank account - and I'll bet they manage to delay that payment until your "no Payments" offer expires.
I always respected and trusted PayPal before this - and I've funded thousands of dollars in transactions, both buying and sell via PayPal - but they jumped the shark with this scheme. PayPal will rue the day they started this devious business.
Oh, I almost forgot: their "customer service" personnel are trained to mindlessly repeat "Your statement is printed correctly - it's up to you to blah blah blah.. in essence they are saying "You got screwed, but we have our asses covered, so we're not going to help you."
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trmn8r on 02/26/2011:
I'd never do business with a company that is called "screw me later". I believe in delayed satisfaction in general, but it doesn't apply to everything.
With 0% offers, you have to be scrupulous about the payments, and the last payment as well. I remember a Home Depot 12 mo 0% offer, and the last month there was a change in date.
You have to open your bills promptly, as this lesson teaches you.
tnchuck100 on 02/26/2011:
These 12 month no interest deals are great. But you MUST be aware of the game and pay it off in the 10th month to avoid their shenanigans.
REMEMBER: In these deals the cards are ALWAYS stacked against you.
wanda on 05/20/2013:
Bill me later rips off the consumer,same problem my statement due date was 5/24/13 went to pay bill on the 20th and was socked with a late fee go figure,why company's want to put their employees with company's like this is beyond me RIP OFF is what bill me later is,if you have to deal with a company like this best to send payment before you have to have it or get your dr.to switch to a different brand under the Wal-Mart plan less headache and no rip off
Tiff on 05/23/2013:
I would never use bill me later! I made a purchase with last month and when I was checking out I saw Bill Me Later and clicked on the terms. It said if I spent a certain amount that it would be 6 months no interest and no payments. So, I thought why not? Anyway this week I received my statement saying that my minimum payment was $25 and I needed to pay the entire amount by the payment date to avoid interest. So, I e-mailed them to let them know that when I ordered it said 6 months no interest and no payments and they responded and said they did not have any such deal with 1800petmeds. Well, I e-mailed them back and told them I had a picture of the 1800petmeds website with the offer on it and I could e-mail them so they could see and that I didn't feel I should have to pay since it said I wouldn't have to. Then, I got an e-mail saying We have received the promotional terms request regarding your Bill Me Later Account. Once our research is complete, you will receive an email notification. Two minutes later I got another e-mail saying The promotional terms request that was submitted has been completed. The changes, if any, to your Bill Me Later Account will be posted within 24-48 hours. So, I waited over the 48 hours and checked and there is no changes to my account.
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Bill Me Later Solves Your Problem LATER
Posted by
ATLANTA, GEORGIA -- I purchased an iPad using Bill Me Later's deferred payment process/promotional billing. Of course when you make your regular payments it's applied to the principal balance. Not a particular balance, which I understand and Bill Me Later informed me that I just had to contact them and say I wanted a payment applied to that particular balance. Fine, so I made a payment due in 10 days and notified them I wanted the impending payment applied to that balance. Too soon, have to tell them within 7 days. Fine, within 7 days informed them, they confirmed they would do it. In the mean time I had enough money for a second payment to pay off the balance, again, informed them I wanted that payment to be applied to the balance, again they said OK. What happens? Neither applied. I call them and am told, no problem they can apply it up to 30 days and they will do both payments. Check back several times, nothing. Finally, the large payment is applied, the other is not. Several more emails asking them to do, am told they will and it will be reflected soon. Still nothing. More emails. Am told it will be applied. TO THIS DATE: 14 EMAILS!! Every time an told they will apply it and when I log in??? Still shows the balance.
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FRAUD!!!!! Beware of being stirred to Bill Me Later without knowing
Posted by
NEW YORK -- I purchased digitazer for fixing Apple phone for my daughter for $6.94. I set up to pay out of my bank account. 2 month later I was checking if one of the PayPal payments was returned to my account and found that my Bill Me Later account is 2 months pass due and I owe them 20.94. Original 6.94 plus 2 late fees $5 X 2 and 2 minimum finance charges $2 X2.
I called and asked how is that possible and if I set payment out of my bank account. Rep kept saying that Bill Me Later is my default payment method and I have to check my statements.
They agreed to remove 5 dollars only in late fees. It feels like a joke - they made triple on 6.94 purchase that I was not even consider making with Bill Me Later.
FRAUD!!! FRAUD!!!FRAUD!!! Disgrace!
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trmn8r on 10/18/2012:
What the rep said about checking statements is correct, and is the reason only one late fee could be refunded - there is a time limit beyond which they assume you were notified that you were billed for being late, something like 30-60 days.
You have to be careful when using Ebay and PayPal to check where the payment is coming from before you submit it. The last time I checked, PayPal will not let me choose my credit card as the default, but uses my checking account. I never pay from my checking account, so I have to select the CC every single time.
How is this fraudulent?
Cwazychicken on 10/18/2012:
Some places do set up defaults, and got to be careful. One time I was buying something for 5 bucks on Facebook. Well the first option they had available was 100 dollars so not knowing, I clicked OK, they took 100 bucks out of my bank, took 30 days to get a refund. Mistakes do happen, luckily PayPal worked with me. But that's a completely different case. After that, most apps I have played changed their layout but some have not...I just learned my lesson big time. To read before sending.
EricB on 11/14/2012:
I just found out today that Bill Me Later became my default payment method when I used it last month. I couldn't figure out how to change this, so had to call PayPal and they made the change. This is a bit sneaky in my opinion.
I also called Bill Me Later to ask them to reduce my credit limit. They indicated it wasn't possible -- I've never heard of that being a problem before.
Saved Customer on 11/28/2012:
Thanks a lot guys for sharing!
Jimmy on 06/30/2013:
If your PayPal account is set as default and you do not want to use Bill Me Later make sure that you are changing the default payment to something else. From reading the comments it seems that people are in such a hurry that they just rush through the checkout process. When checking out it states what payment you will be using. My advise is to SLOW DOWN when checking out
DV on 07/09/2013:
I NEVER used bill me later but found out I had a balance.
I called today and the customer care rep was HORRIBLY snotty and RUDE!
The WORST customer care I have ever, EVER had!!!!!
I own 3 Corporations
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Not Honest At All!!!
Posted by
OAK PARK, ILLINOIS -- I had my Bill Me Later account for about 7 months and already I don't like their services. Something told me not to make another purchase with them. When I first opened my account there was an issue with them honoring my 6 months no payment and it clearly states so when you log in to PayPal. So, I brushed it off, then recently I moved into a new apartment last month. So, I need a couch and a rug. I paid them the money I owed them and I decided to use it again. I purchased my couch and rug through Wayfair. I wanted to do it under 6 months no payment & no interest. Which I thought I done because on PayPal it states do you want to put this purchase on 6 months no interest and payment and it applies to a purchase over 250, so I click yes. So this was a easy way for me to purchase furniture because I was short on cash and just moved.
I thought it was OK, but when I went to check my account it said I had a payment due from that purchase. I thought maybe it was a mistake, so I called Bill Me Later for them to resolve the issue. They said OK we will submit it to be reviewed. So then I received an email that said my review has been processed look for changes within 24-48 hours, if any. So then I checked it again still no change. I then called them, gave them my account info and everything...The girl says well we contacted Way-fair and they said you had to make a purchase of 500 dollars( my purchase was 427).
This was unfair because I was under the impression that I was under the promotion for purchases over 250 not 500. Way-fair never said I had to purchase 500 dollars worth in furniture. I'm so angry because I want to pay in 6 months and that was misleading. I will never use them again because they don't know what they are doing. I wouldn't recommend anyone to use them.
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Paul Evans on 06/13/2014:
Read all of the reviews. Not one offers even a hint of satisfaction.... Bill me later is purposefully set up to confuse and compound its unstated interest charges. THIS IS PURE SCAM. ONCE INVOLVED YOU CANNOT ESCAPE OR EVEN SATISFY THE GOBBLING MONSTER YOU HAVE AWAKENED.... DO NOT and nbsp
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Bill Me Later uses bait and switch is an unethical service
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ONLINE, CALIFORNIA -- Hello,
In April of 2011 I purchased a $109 item for my pool on eBay. I used my PayPal account. Fast forward to Jan. of 2012 and I get a call from BillMeLater on a Friday threatening to send me to collections. I Google BillMeLater and find out they are owned by PayPal. I log into my PayPal account and after an hour or so find no help, other than complaints about BillMeLater. Next I try to set up an account on BillMeLater, this never works.
Finally on Monday I talk to a human being at PayPal without help and then BillMeLater. She tells me I need to set up an account with BillMeLater. I ask her how can I have an outstanding bill from BillMeLater and NOT have an account with them? She says I just need to activate it. At this point I have wasted 3-4 hours dealing with this since the phone call 4 days ago. I finally get to see my account status and it shows my purchase of $109 and then my current balance of $184! The $75 (80% interest!) is all due to extra fees and interest due to non payment since Nov of 2011. This is the first time I get any information from anyone about this - 9 months after the purchase!!!
This business is a bait and switch via eBay and PayPal. The transparency is utterly lacking and they are using the power of eBay & PayPal to abuse their customers. I have been purchasing items regularly on the internet since the 90's and this is the worst case I have come across to date! I use mint.com to track 99% of my purchases and this business is obviously abusing the "bill me later" concept to add on massive interest after the purchase of a product.
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trmn8r on 01/30/2012:
The key question is how your purchase of $109 was billed. Did you buy it using some kind of "6 months no interest using Bill Me Later" offer? That timing would be correct, since you bought it in April and were notified of non-payment in November.
My guess is that is what happened, and it may be you don't have to have a Bill Me Later account set up to do it. Evidently on the first use, you just put in the last 4 of your SSN and your birthdate. They are supposed to send you an email *after* your first use with instructions how to register.
trp2hevn on 01/30/2012:
So since you were under the impression that you used PayPal as the form of payment, where did the money go that was sent to pay your PayPal account?
CowboyFan on 01/31/2012:
If the OP kept track of his purchases so closely, how did he not know he had never paid the $109.00? My belief is that when something says "free," "no interest," or "pay later," its never true, and really means you are about to be taken. The rules, exceptions, and pitfalls are so many, that successfully using them is not worth the risk and will not work out as planned. (been there, done that)
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Bill Me Later = Bill Me Forever
Posted by
SPRINGFIELD, MASSACHUSETTS -- Bill Me Later (i.e. I4 or "Idiots 4ever") may be one of the worst-run organizations since the Soviet bloc collapsed. Here is my saga with this Citi, Chase, CIT, I4, etc.-backed loanshark.
I bought a GPS from OfficeMax on 11/26/2006 and opened up a Bill Me Later account at that point. Product was $229.99, $241.99 after MA tax/shipping.
I returned the item and OfficeMax (a great company) immediately issued a credit for the full amount ($241.99), including shipping and tax. Outstanding service on their part.
OfficeMax told Bill Me Later about this credit to my account, but Bill Me Later decided to start adding late fees. This is despite the fact that the only product I ever bought on their service was returned for a full refund.
Yet the Bill Me Later braintrust could not resist billing me late payments and interest ON late payments and interest. I called and asked what purchase I was late on paying and they went "Well, Sir, I's thinks this a problem." Could we speak some regular English, please? Anyhow, a rep took off everything and brought it down to a $0 balance (as required by the credit agreement).
So I got another bill with ANOTHER late fee and interest after this was supposedly fixed. I called a rep and was told that the notes showed I was correct and this should be fixed. So the rep again took off the charges and offered to close the account.
Yet ANOTHER bill arrived with MORE charges. I finally asked to talk to a supervisor who again took off all the charges. She said that this would be the end of the matter and apologized.
SO, now, over a year later, Bill Me Later has once again aced its SATs by putting me into collection with Penncro and Associates. I almost laughed when I called Penncro and found out that Bill Me Later was after me for $120 or so. The Penncro person asked for proof of the return and I had OfficeMax fax it right over (they seem to be the only ones who cared about the customer).
The Penncro rep also suggested that I deal with Bill Me Later directly. Fair enough. So I called them up and Bill Me Later's work-release staff told me that there was nothing they could do because the account was charged-off. I talked to a supervisor who said the same thing. She didn't know where her boss was at the moment, so I couldn't go any higher. I said "So you initiated the collection but you can't stop it?". They said yes and agreed that I didn't owe anything. But they didn't offer to contact Penncro and said that they had no access to my account. They told me to contact Penncro again... just circles and runarounds.
I checked my credit report and there is an inquiry from Penncro a few months ago. Great. Now the remedial reading staff at Bill Me Later is going to affect my credit score too.
These Bill Me Later fools wouldn't talk to me about my account? Yet they send a collection agency after me without being able to review my account? They had a collection agency call me at home, so I called up their entire Executive Board at their private office lines and left voicemails. If you call me at home, expect the same in return if you are in the wrong. Oh, the internet is a wonderful thing.
I have an attorney who says that I'm on rock-solid ground. I have documentation that cannot be disputed. I will do whatever it takes to get this straightened out and to ensure that everyone knows how Bill Me Later has misbehaved. It's always good to know the producer of a major network news magazine.
Bill Me Later promised to fix my account three times and all three were lies. Now they are trying to collect based on an order that was returned. The merchant is on my side! I gave the Nobel laureates at Bill Me Later so many chances to resolve this... they only have themselves to blame.
I have spent so much time on this that could be spent on other things. Now I see that I may be paying higher interest rates due to their credit inquiry. How do you spell L-I-A-B-L-E? Maybe I come across as harsh, but what did I do wrong? I ordered something, followed the return policy (which the merchant gladly honored), got a credit, and moved on with my life. Maybe I should have sent a babysitter over there to keep an eye on my account. You can't mess with people's credit and expect them to take it sitting down. They should send me a $500 for the trouble.
If you think that this is as big of a scam as I do, give their CFO a call at (443) 921-1900 x. 1922
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tnchuck100 on 01/20/2008:
Demand proof of the debt from Penncro and Associates. If this shows up on your credit report demand written verification from them as well. Do all correspondence with both only by certified mail/return receipt requested.
This could be worth considerably more than $500.00. Check with these sites for more information:
Fair Debt Collection Practices Act (FDCPA)
Fair Credit Reporting Act (FCRA)
Good luck.
jktshff1 on 01/20/2008:
Great well thought out post. Good Luck! VH
madconsumer on 01/20/2008:
not always is credit a good thing.
Ponie on 01/20/2008:
If you have a so-called attorney with whom you're consulting on this complaint, unless his name is Brodsky I don't think he'd be too happy to see this letter published.
I'm underwhelmed by your ability to get these confidential numbers.
'How do you spell L-I-A-B-L-E?' What (I think) you're trying to refer to is spelled: L-I-B-E-L. Check with your 'attorney.'
I'd be unhappy in this situation also, but wouldn't be so smart-aleky about it. What have you accomplished? More ulcers?
byebyebml on 01/20/2008:
Libel is based on making untrue statements. Truth is an absolute defense against charges of libel. Since I made true statements, I'm not worried.
HeatherFields on 01/21/2008:
I work for Bill Me Later and would be happy to speak with you about your situation. Please feel free to contact me at email@example.com
Anonymous on 01/21/2008:
Byebyebml, please see the post at: http://www.my3cents.com/showReview.cgi?id=31806. HeatherFields runs around the Internet doing damage control for Bill Me Later.
Kurana on 11/14/2008:
Same thing happened to me!
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Unexplained Late Fees
Posted by
PITTSBURGH, PENNSYLVANIA -- I purchased an elliptical trainer with Bill Me Later and have taken more than 6 months of interest free months of payment that are offered. I am absolutely OK with paying interest. My issue is with the payment options with Bill Me Later. My payments are due on the 9th of every month and I have set-up a bill pay with my bank so that the payments are made on the 5th of every month. Last month, I just happened to look at my bill and noticed that for the last 3 months I have been charged a late fee. I called the representative from Bill Me Later to inquire about these late fees and basically the representative gave me a long-winded excuse about my personal bank's policies and how these charges couldn't be avoided. The thing is that the deductions are taken out on the 5th from Bill Me Later, but my statements from Bill Me Later state that deductions take place on the 12th of the month. They are complete and utter liars. Period. I was excited to take advantage of this option because I wanted to purchase an item that I couldn't really afford and the 6 months of interest free payment sounded like a good option.
In the end, I would not use this company in the future. I have wasted a lot of time on the phone with rude, unhelpful representatives.
And the lesson learned is that (1) I shouldn't buy things that I cannot afford and (2) never do business with Bill Me Later again because they do take advantage of people.
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CeciliaJayne on 07/22/2013:
I have a bill me later account and I have never heard such as this. I pay my bill every month and just like clock work ,what do you know.... NO late fees. Maybe they just don't like you. Payments may not be processed til later however, they still give you credit for when you make the payment on that date.
D Mckinzie on 09/23/2013:
You should have told your bank that you were being charged late fees because they were paying late (yes, I know they weren't, but the bank will fight for you if they are being blamed for you getting charged) and you would like to complain. The bank must comply to certain standards and they are not going to sit still while they're being blamed for your payment "not getting there on time." My bank told me that they can't do anything before-hand to help me, but if the time comes that I'm getting cheated in some way while I'm using my bank account, they will fight for me. Always let them know
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Fraudulent & Deceptive
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I started using BML in October 2012. My first charge was for Toys R US and was a deferred payment until May of 2013. During that time, I used BML for some smaller charges. I made another deferred payment charge with Toys R Us in January 2013 and one more from Ebay in May 2013. I noticed my balance of current charges wasn't getting paid off so I went back and looked over all of my statements.
Well, I noticed that my DEFERRED payments were being paid on every month! The first deferred payment (not due until May 2013) was paid OFF before I received my March/April Statement. My second deferred payment (not due until August 2013) was paid OFF before May. My third deferred payment (not due until December) is also having payments applied. I emailed them and received a response that basically told me I had to call. They told me they were applying my payments according to some credit card act, blah, blah, blah.
They also said that payments will start being made on a deferred payment if it is within 1-2 billing cycles of when the payment is due. I called this morning and the gentleman I spoke with started rambling on about my payments. He told me I had to call and allocate how I wanted my payments made. WHAT?! Apparently, a DEFERRED payment takes on another meaning with BML. I told him I wanted the money that was applied to my December payment removed and applied to my CURRENT charges. I also told him how upset I was that I had to CALL before making a payment to make sure the money gets applied to my current charges. He told me I didn't have to do that since my deferred payment wasn't due until December and it didn't fall into the "1-2 billing cycle rule" and that all payments would be applied to current charges.
I had to reiterate that the purpose of my call was because that payments ARE being applied to the December deferred payment so that "1-2 billing cycle" rule doesn't apply here. He told me he would have to call me back. I feel this company is very deceptive. If a payment is to be deferred, then payments being made should be applied to current charges and not deferred charges until the DUE DATE that is listed. I had been making extra payments so I could pay off my current charges.
I am very frustrated and irritated as I now have to make EXTRA payments to pay off current charges that should have already been paid off but were instead applied to deferred payments. I will never use this company again.
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trmn8r on 07/05/2013:
You have to be very careful with not only BML but other credit agencies in the matter of promotional "deferred payment" offers. I read the disclosure carefully when I used BML for a 6 month no-payment offer, and my memory is that a second purchase could trigger the deferred purchase being due.
I believe if you go back and read the disclosure, it tells you about why your deferred purchase was paid towards prior to the promotional date. I don't agree that the practice is "deceptive," for the reason it is disclosed.
The catch is that something that is "free" *always* needs to be considered with a wary eye - often there is fine print or rules that trigger costs to the consumer.
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Phishing Scam Practice
Posted by
EL PASO, TEXAS -- I had the same experiences as other reviewers. I had my Paypal account, then I enrolled in Bill Me Later. They were supposed to send me statements for my purchases. But, they didn't until they were past due so they can charge me interest and late fees.
When I use my Paypal, beware, they don't ask you if you want your credit or bank set up in your Paypal account or if you want to use Bill Me Later; it just automatically goes to Bill Me Later so they can charge you late fees and interests. I called them and was told that this was just the way the computer is set up.
So I would not recommend this service to anyone. Just a big headache and time-wasting. On second thought, I may recommend this to my worst enemies.
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Obsfucation on 03/15/2013:
The top three companies that I would NEVER even consider doing business with are: eBay, PayPal and Bill Me Later. Collectively they are a cesspool of corporate ethics.
trmn8r on 03/15/2013:
This is not my experience. After adding Bill Me Later, it shows up in your PayPal account as a payment option, but you have the same other choices you had previously - you just have to click the one that you want to use.
I receive a Bill Me Later Statement - I am not sure why you do not.
madconsumer on 03/15/2013:
I agree with Obsfucation. they are sneaky on how they conduct business.
very helpful review, and voted as such!!
I do not see this as the poster did not understand, but more of the sneaky way they do business.
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- Studio: A&E Television Networks
- DVD Release Date: Oct 19, 2009
History is rife with mysteries and stories of the unexplained -- from vanishings in the Bermuda Triangle to the lost city of Atlantis -- that have spawned plenty of speculation, but few answers. But with advances in science and technology, can new evidence be brought to light?
MysteryQuest will endeavor to use these new theories to uncover the answers to history's most enduring questions.