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4/12 in Yankee History
The red-letter day:
1927: The 'Murderers' Row' Yankees open their campaign.
After Mayor Jimmy Walker tosses out the first ball in New York' the
biggest Opening Day crowd in Yankee Stadium history – 65'000 – watch the
Yankees batter Philadelphia's Lefty Grove 8-3. After four runless
innings' the Yanks score four in the 5th frame and four more in the
6th. In the 6th inning Ben Paschal pinch hits for Babe Ruth and singles
against Grove' then goes out to right field. Paschal pinch hit for Gehrig on
several occasions this year. Ruth' with 2 strikeouts and a pop up in 3
at bats against Grove' will later say he did not feel well. Waite Hoyt
goes all the way for New York' walking three and allowing eight hits'
including a 9th inning pinch single by Zack Wheat' longtime Brooklyn
favourite. The Yankees will share or hold first place from the first
day of the race to the last, a feat unmatched in the AL until the 1984
Ben Paschal
On other 12ths of April…
1990: The Yankees open the season in New York in front of 50,114 with
Billy Martin's son Billy jr. throwing out the first ball. The Yanks win 6-4 win
over the Indians, scoring twice in the 8th inning to break a 4-4 tie.
Luis Polonia's hit breaks the tie and the Pinstripers score another run
on an error. Eric Plunk is the winner over Jesse Orosco. Polonia will
be rewarded for his hit by being sent to the Angels in two weeks for
Claudell Washington.
1970: Plaques honouring Joe DiMaggio and Mickey Mantle are dedicated at Yankee Stadium (They will later be upgraded to monuments). The Bombers
split with the Indians in the doubleheader that follows, with Mel Stottlemyre falling 2-1 to 'Sudden' Sam McDowell game one, and Jack Aker getting the nightcap win 5-4 when Ron Hansen walks in the bottom of the ninth with the bases loaded.
1969: At Detroit' the Yanks' Mel Stottlemyre allows just one hit – a 4th
inning double by Bill Northrup-in beating Denny McLain and the Tigers'
4-0. For the 3rd time in 2 years' Northrup saves the Tigers from being
the victims of a no hitter.
1966: At the Stadium' 40'006 fans watch the Tigers edge the Yankees'
2-1. The Yankees only score is Joe Pepitone's 5th inning homer off
Mickey Lolich' who strikes out 10 Yankees. Lolich' with a career
average of .075' leads off the 9th with a single' which opens the door
for the Tigers' winning run off Whitey Ford.
1959: After two rainouts' the Yankees and Red Sox open at the Stadium
before 22'559' as the 42°F temperature threatens a third postponement.
Bob Turley allows just two Sox hits and Norm Siebern's 8th inning homer
provides a 3-2 New York victory. Siebern's hit is his 3rd of the game
off Tom Brewer.
1949: Joe DiMaggio returns to Johns Hopkins hospital because of
continuing pain in his heel. A bone spur is diagnosed and he will miss
65 games this coming season.
1948: The Yankees give veteran Spud Chandler his release. Chandler won
109 games in 11 seasons as a Yank' the only ML team he played for. He
was 9-5 last season' and finishes his ML career with a winning
percentage of .717 (109-43).
1932: At Shibe Park' bitter cold and the Depression limit the crowd to
16'000 for the Opener with the Yankees' a 12-6 slugfest won by New
York. New York rack up five home runs-two each by Babe Ruth and Sammy
Byrd' and another by Lou Gehrig. Gehrig adds a triple and single' as
the Yankees score ten runs and hit four homers off ace George Earnshaw.
Ruth clouts a three-run shot in the first that lands on a roof across
20th street and a two-run homer in the 4th that travels even farther.
The longest round-tripper of the day' however' is Jimmie Foxx's blast
to center in the 7th. Jack Saltzgraver and the A's Max Bishop each walk
four times and Gehrig' with an 11-4 lead in the 9th' steals home with
Ben Chapman swiping second. Al Simmons answers with a two-run homer'
the 7th of the game' off Lefty Gomez. With the bases full of A's' Red
Ruffing gets the last out.
1922: President Warren G. Harding throws out the first ball in
Washington' and the Senators beat the Yankees 6-5.
Former Yank George
Mogridge starts for the Nats against Sad Sam Jones' making his Yankee
debut' as rookie manager Clyde Milan passes over Walter Johnson as
starting pitcher. The Nats star has been ill most of the spring. Both
Babe Ruth and Bob Meusel are out of the Yankee lineup' suspended by the
league for barnstorming' and the Babe watches the game from the
presidential box. Washington outhit New York' 15-9' and comes from
behind to win in the 8th.
1916: Before 20'000 at the Polo Grounds' the Yankees and Senators
battle 11 innings before the Nats push across an unearned run against
starter Ray Caldwell to win 3-2. Walter Johnson strikes out 10 and
walks none in the win. Frank Baker' after sitting out last season in a
salary protest' has two of the five hits for New York' while Clyde
Milan homers for Washington.
1912: At Hilltop Park' the Red Sox send Buck O'Brien' 5-1 last year
after leading the Western League in strikeouts' against the
Highlanders' Russ Ford and the Sox prevail' 5-2 Buck allows 6 hits as
he heads towards 20 victories.
1909: At Washington' the Highlanders open the season under new manager
George Stallings' losing to the Senators' 4-1.
George Stallings
The Nationals score
three runs in the first off journeyman Doc Newton to pave the way for
Charlie Smith. Smith allows just 4 hits and strikes out 10.


text:
Oriel 1
August 2009
Best gigs.....
I went to The Green Man Festival last weekend and saw some amazing bands including Dirty Three, Beach House, Vetiver and Peter Broderick. Meanwhile visitors to the Pop Peth exhibition in Oriel 1, St Fagans:National History Museum have been letting us know about their favourite gigs.
Becky loved Sugababes, Jacob Price (who's 4) went to see Automatic at the Big Weekend in Cardiff. Cat saw the Manic Street Preachers on the eve of the millennium. Huw's best gig was Deep Purple at St Davids Hall in 1996. Vanessa loved The Who at the Liberty Stadium in Swansea. Seven more people said that Take That in Cardiff was their best gig and Rachel saw Brian Wilson at Glastonbury and cried...
More Art Cart pictures
Sunday Art Cart
Best gig ever....
So many of you have said that the recent Take That concerts were your favourite gigs ever!
Here's what else you've been enjoying.....
Cage the Elephant
Nina Simone
Pulbic Enemy
The Cure
Rolling Stones lots of you have loved the Stones.... -
Euros Childs
Catatonia (lots of people have picked them!)
Super Furry Animals
Genod Droog
John Cale
Kings of Leon
Manic Street Preachers
Uriah Heep
Please email to let me know your favourite gig as well as your thoughts and comments about the Pop Peth exhibition at St Fagans:National History Museum.
Art Cart pictures from today! (friday 14th)
Amazing drawings from the Art Cart!
Art Cart Monday 10th August
It's been very busy today on the art cart and you've all been doing the most amazing pictures! I've taken lots of photos of the drawings you all made and will be putting them on the museum blog on Wednesday - sorry for the delay!
Art Cart 07/08/09
As it was such a sunny day, most people were outside enjoying the museum grounds, but those that came to the art cart in Oriel 1 made the most beautiful pictures.
Conserving Government Propaganda prints from the Great War
Historic Photography Project (Esmee Ffairburn)
Linking Natural Science Collections in Wales
Oriel 1
Research in Norway and the Barents Sea
St Fagans National History Museum Making History Project
recent entries
A Window into the Industry Collections

subset: commoncrawl


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Seeking Burger Lovers In The Baltimore-Area: Red Robin Restaurant Hiring Team Members To Join The Fun At New Red Robin
GREENWOOD VILLAGE, Colo., June 10, 2013 /PRNewswire/ -- If the sizzle of burgers on the grill is music to your ears, and making people smile is one of your greatest talents, then you're just the type of person we want to talk with! Red Robin Gourmet Burgers, Inc. (Red Robin), known as the Gourmet Burger Expert, is looking for energetic and friendly team members to join the new Crofton, Md. restaurant located at the Waugh Chapel Shopping Center at the intersection of Route 3 North and John Hopkins Road. The restaurant is opening in mid-July.
(Logo: http://photos.prnewswire.com/prnh/20120522/NY11686LOGO)
All interested burger-lovers must be at least 18-years-old to join the Red Robin Team, have a passion for burgers and great customer service, and share Red Robin's core values – Honor, Integrity, Continually Seeking Knowledge, and Having Fun. Red Robin serves up more than two dozen award-winning gourmet burgers in a variety of innovative recipes as well as appetizers, chicken sandwiches, entrees, salads, soups and wraps in a fun and family-friendly casual dining atmosphere.
"We're looking for team members who are passionate about burgers and who can deliver superior service to our guests," said Ivan Martinez, general manager of the Crofton Red Robin ® restaurant. "If this sounds like a perfect fit for you, visit our website, www.redrobin.jobs, to learn more and to apply.""My teammates are like my extended family, "said Alicia, a Red Robin team member. "We really care about each other and that makes working at Red Robin very rewarding." About Red Robin Gourmet Burgers, Inc. (NASDAQ: RRGB)Red Robin Gourmet Burgers, Inc. ( www.redrobin.com), a casual dining restaurant chain founded in 1969 that operates through its wholly-owned subsidiary, Red Robin International, Inc., is the gourmet burger expert, famous for serving more than two dozen craveable, high-quality burgers with Bottomless Steak Fries ® in a fun environment welcoming to guests of all ages. In addition to its many burger offerings, Red Robin serves a wide variety of salads, soups, appetizers, entrees, desserts and signature Mad Mixology ® Beverages. There currently are 474 Red Robin locations across the United States and Canada, including 336 company-owned Red Robin ® restaurants and five Red Robin's Burger Works ® locations, and 133 Red Robin ® restaurants operating under franchise agreements. Red Robin... YUMMM ®! Connect with Red Robin on Facebook and Twitter. SOURCE Red Robin Gourmet Burgers, Inc.
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Pet Pic of the Day: Ruby the Ringbearer
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She's smiling wide, but don't put the diamonds in there!
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aww what a cutie
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text: 5 I've Lost My Life to White Lies!JGROVEY | 12/07/2009 | See all JGROVEY's reviews (110)This album is one of the best debuts i have bought so far this year! All songs are well written, powerful and have a hidden meaning. My stand out tracks are Death, To Lose My Life, From the Stars and The Price of Love. Farewell to the Fairground seems like another band's song, i dont kno why :L definately recommended!


text:
100 mins. | Rated R
100 mins. | Rated R
|BARRYMORE is an unforgettable portrayal of legendary actor John Barrymore, a man of colossal talent and contradictions and one of the greatest Shakespearean actors of all time. Set in the final year of Barrymore's life, the film takes place on the stage of a Broadway theatre, where the actor is struggling to recreate his performance in the title role of Shakespeare's Richard III. It leads him to look back on the highs and lows of his stunning career and remarkable life. Directed and adapted for the screen by Erik Canuel, BARRYMORE stars Christopher Plummer in the tour de force film performance of his career.
Directed by
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STUYVESANT, N.Y. -- The U.S. Coast Guard establishes a safety zone around the large oil tanker ship that got stuck on the Hudson River. It happened 10 miles south of the Port of Albany around 9 a.m. Thursday.
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C Street Brass w/DJ Jakeisrain "No Limits""No Limits", the newest recital program of C Street Brass, challenges the listener to find something this group cannot do. "No Limits" takes the audience on an amazing adventure through different time periods and music styles - classical, gospel, jazz, tango, and modern electronic dance music will be on display. Add a little bit of humor and a lot of fun, and the audience wins.07/24/2014Time: 7:30 pmLocation: Kelly-Strayhorn Theater, website
Music of AmericaThe Aeolian Winds of Pittsburgh play works for wind quintet by Copland, Sousa, Ewazen, Bernstein, and others.07/24/2014Time: 7:00 pmLocation: Cranberry Township Community Park, 20727 Route 19, Cranberry Twp, PAwebsite
Alan Lewis, organAlan Lewis, organist of Calvary Episcopal Church, Pittsburgh, PA.07/24/2014Time: 5:00 pmWestminster Presbyterian Church, 2040 Washington Rd., Pittsburgh, PAwebsite | map
A Symphonic CelebrationResident Conductor Lawrence Loh and the Pittsburgh Symphony Orchestra throw a summer symphonic celebration featuring Dvorak's Carnival Overture, Brahms Symphony No. 3 and a breathtaking performance of Rachmaninoff's Piano Concerto No. 2 with Russian pianist Olga Kern.07/25/2014Time: 7:00 pmHeinz Hall, 600 Penn Ave., Pittsburgh, PAwebsite | map
Concert 3 - Guitar and VoiceFeaturing a world premiere of a new commission by Ryan Anthony Francis for PNME and guitar virtuoso Mattias Jacobsson. Works include: Amy Williams: First Lines; Christopher Cerrone: I will learn to love a person; and Ryan Francis: Album for Guitar. Soprano Lindsay Kesselman also makes a guest appearance.07/25/2014 - 07/26/201407/25 - 8:00 pm07/26 - 8:00 pmCity Theatre, 1300 Bingham Street Pittsburgh, PAwebsite | map
BLUE! Performance Series: Border RideBorder Ride, the Western Pennslyvania and Eastern Ohio bluegrass group, combines various musical backgrounds into traditional bluegrass and progressive, non-traditional Newgrass music.07/26/2014Time: 1:00 pmLocation: Carnegie Science Center, 1 Allegheny Avenue, Pittsburgh, PA
The Amadeus TrioEnjoy a free concert on the lawn at Mellon Park. Food is available on site from The Bagel Factory or bring your own -- you might win the weekly Best Brunch Contest.07/27/2014Time: 10:30 amMellon Park, Fifth & Shady Ave., Pittsburgh, PAwebsite | map
Monty Python's SpamalotMonty Python's Spamalot is the outrageous musical comedy lovingly ripped off from the film classic "Monty Python and The Holy Grail." This hilarious retelling of the legend of King Arthur and his Knights of the Round Table features the show-stopping musical numbers "The Song That Goes Like This" and "Always Look on the Bright Side of Life!"07/29/2014 - 08/03/2014Benedum Center, 230 7th St., Pittsburgh, PAwebsite | map
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Animal Instinct
Inside of every person is an primal force waiting to come out, and we call this a spirit animal. Like the zodiac signs, there is a wide range of animals that symbolize different facets of one's personality. For example, some Native American tribes believe that their ancestors evolved from wolves. In times of need they are able to harness the power of the wolf to help their people. So yeah, werewolves maybe or may not be real.
But if you don't buy all this magic hullabaloo, you can still buy a pretty cool new fashion trend. Spirit Hoods come in a range of animals, from Panda bear to Red Wolf (which I happen to embody with my own hood). Celebrities are getting in on this spirit animal trend too. From Vanessa Hudgens to the Kardashians, celebs are doning their animals with pride. And don't worry, these hoods are 100% faux fur, and part of the proceeds benefit charities that help animals. I like to wear my hood for fun, for warmth, or simply just because. But if you're looking for a last-minute Halloween costume, this could be your call from the wild.
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What may be your spirit animal? I believe mine would be that of the sloth.
my spirit animal is the swan.


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The Men's Thin 3 Row Cabled Wire Stainless Steel ID Bracelet makes the perfect gift for that special man in your life. The three rows of cabled wire are a total of 1/4 inch in width. The stainless steel ID band on the top of the bracelet is 1 1/2 inches long and a little over a 1/4 inch wide. Make this a truly unique and personal by having it engraved!
Eve's Addiction.com wants you to be a happy customer. We want you to be completely satisfied with the sterling silver jewelry that you receive from us, as we only sell high quality silver and cubic zirconia cz jewelry. We do understand that you may not like your purchase for some reason.
You may return or exchange your jewelry within 60 days of purchase if you are not satisfied with it. The jewelry must be returned in its original condition for a refund or exchange. Engraved, personalized, photo, monogram, name and initial, and clearance items are not returnable or exchangeable. To return jewelry to EvesAddiction.com, please follow the steps at the following link.


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- Antique Jewelry
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Shimmering French Antique Silver Brooch
In the inimitable French manner this sterling silver brooch flies its "colors". Impeccable craftsmanship and fine detailing characterize this Edwardian era brooch. The branching floral design, a typical 18th century motif has clearly influenced Edwardian jewelers with its graceful lines, sweeping curves and removable pear shaped drop to use as a pendant. Superbly shimmering, clear pastes are set in deep silver for a white-on-white color scheme so favored in the late 19th and early 20th century.
Date: Circa 1900.
Measurements: 2-5/16 inches (5.8 cm) in length by 2-1/2 inches (6.4 cm) in width. Weight of 22.5 grams (14.5 dwt).
Hallmarks: French eagle's heads; a French mark.
Condition: Excellent.
Origin: French.
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Glenn Beck
Man In The Moon is the exciting new stage spectacle by America's premiere storyteller—Glenn Beck! On July 6th, prepare yourself for a truly once in a lifetime experience. Under the stars in Salt Lake City, Utah's USANA Amphitheatre, Glenn will present his "moon's eye view" of the building of America. It's Glenn Beck's imagination come to life. It's Man In The Moon, a story like no other from the creative mind of a storyteller like no other—Glenn Beck.
Man In The Moon will excite and engage all your senses. At times, it will seem to defy logic. The visual spectacle will be beside you…in front of you…behind you. You're not just watching a show—you're inside the show. You'll be swept into a world of mesmerizing creations. Everything will be larger than life, and the moon itself will be there, shining bigger and brighter than you have ever seen it. The moon reminds us of how small we are, and how infinite the universe. The moon has been there from the beginning, reminding us that there is something bigger, something greater than us.
If you're ready for the ultimate Glenn Beck experience, you'll definitely want to take advantage of a Gold, Silver or Bronze VIP ticket package. Not only will they treat you to "can't get 'em anywhere else" collectibles, but you'll also slip behind the velvet rope and get to enjoy a weekend full of activities, including a special breakfast speech, a Q&A session, a delicious BBQ, an exciting and informative FreedomWorks event, and an up-close-and-personal meet and greet with Glenn himself! Of course, if you just want to see this incredible show, the Preferred or General Admission Lawn seating are fantastic options as well. As long as you're there, you're in for a night you'll never forget.
This show that will help you see our history from a completely different point of view, one that will give you hope. Glenn has created an experience that will lift up your family, bring you closer together, and forever change the way we all look at ourselves and the Man In the Moon. We were always the people that believed a brighter future was just about to dawn. On July 6th, Glenn Beck will make you believe that again.
This whole show is about magic and hope…light and dark…family and God…history and the future. It's a story of struggle and triumph, good and evil, and simple people finding a better way. It's about what millions of Americans want: Hope, and to believe in goodness and our country again. Make a new American Memory with your family that none of you will ever forget. Believe In America…believe in us again! Remember, as long as you buy your ticket, you'll get to say that you were there to see Glenn Beck's Man In The Moon!
Tickets include both:
Freedom Works Show
Friday, July 5
Doors open at 6:00pm
Showtime is 7:30pm to 9pm
(See below for event info.)
Man in the Moon Show
Saturday, July 6
Doors open at 6pm
Showtime is 9pm to 10:30pm
About the FreedomWorks Show July 5th:
Free the People 2013 at the USANA Amphitheater on July 5th!
To save America's future, we must first Free the People.
FreedomWorks – a service center to over 2 million grassroots activists – intends to do exactly that. Under the stars in Salt Lake City, Free the People 2013 is an event celebrating and inspiring the American entrepreneur. An all-star lineup of conservative icons will inspire the crowd to unleash America's innovative spirit, rein in government's meddlesome bureaucracy and restore the American dream.
Free the People will celebrate three distinct types of entrepreneurs:
- The legislative entrepreneur, who pushes back against the political elite, shakes up the entrenched establishment and ultimately overcomes powerful special interests.
- The commercial entrepreneur, who takes risks, invests capital, brings goods to market and provides jobs for his fellow citizens.
- The social entrepreneur, who works with friends, family and neighbors to solve problems at the local level – without the "help" of big government.
The best way to overcome an oppressive government is to start a revolution from the bottom-up. A revolution of ideas, of principles, and of solutions. A revolution of engaged citizens determined to leave behind a better life for their children and grandchildren.
The time is now to take a stand, plant our flag and take action.
Free the People will be a call to action for America's brightest innovators to break free from the shackles of regulation; a platform for dreamers with big ideas to rise above big government and help save America!
With millions out of work thanks to a sputtering, government-centric economy, robust growth is desperately needed – and only American ingenuity can bring our country back from the brink.
Free the People 2013 will light the fuse, rekindling our spirits and restoring our dreams. Join the freedom movement in Salt Lake City, and be part of the first step in America's comeback!
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Or find a doctor at another Johns Hopkins Medicine member:
Anthony Paul Tufaro, MD DDS
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BiographyDr. Anthony Tufaro is the only surgeon in the country who is board certified in plastic and reconstructive surgery, oral and maxillofacial surgery and fellowship trained in surgical oncology, head and neck surgery.
Dr. Tufaro is on the editorial board of the Annals of Surgical Oncology, a founding member of the Johns Hopkins Melanoma Program, and has accomplished research on the problem of tumor initiation and progression in immunocompromised patients. Additionally, Dr. Tufaro earned a DDS from the New York University College of Denistry.
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Fellow of the Society of Surgical Oncology
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Member of the American Association of Plastic Surgeons
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Education +
- Hahnemann University School of Medicine (Philadelphia PA ) (1993)
- New York University College of Dentistry (New York NY ) (1976)
- Johns Hopkins University School of Medicine / General Surgery (Baltimore MD ) (1995)
- Nassau County Medical Center / Oral and Maxillofacial Surgery (East Meadow NY ) (1984)
- Memorial Sloan - Kettering Cancer Center (New York NY ) (1998)
- Johns Hopkins University School of Medicine / Plastic and Reconstructive Surgery (Baltimore MD ) (1997)
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LocationsThe Johns Hopkins Hospital600 N. Wolfe StreetHospital Main Entrance - Sheikh Zayed TowerBaltimore, MD 21287Appointment Phone: 443-997-9466Location MapJohns Hopkins Outpatient Center601 N. Caroline Street8th Floor Plastic Surgery ClinicBaltimore, MD 21287Appointment Phone: 443-997-9466Location Map
- Plastic and Reconstructive Surgery


text: 2 Played it twice but won't play againOmegaAlpha | 01/05/2010 | See all OmegaAlpha's reviews (3)As other have stated, I am also a big fan of the FF series and RPG's in general. The game takes about 40 to 60 hours to complete.Plot: Very monotonous. Characters are often just moaning about their situation and go from A to B to C with no plan or forward thinking. As Lightning says at one point "smash through the front door". Personally, I would have liked to see a bit more structure and logical progression.Characters: Some good, some are just plain annoying. It was good to see FF's first lesbian couple but this romance was hindered by two dimensional characters such as Snow and whinny ones like Hope. Sazh had a particular "spark" but I felt that this was not utilized or expressed fully enough. Lightning was a good character and is for all extents and purposes the main character but once again the poorly addressed dynamics between the group of l'cie paralyzed her personality.Battle system: Simple to say the least. You control one character and the other two party members perform actions according to which role you select which can be changed in game. One point that I have gotten really hung up on is that character development or leveling is restrictive. You can only build up a character to a certain level until you complete the next part of the game meaning that you will never have a moment to pwn enemies.Game Play: Linear. You will be following a track until the end of Chapter 11 (about 4/5ths into the game). There are a few annoyances that will never go away such as the save menu always tries to create a new save file. One lapse in attention will result in a multiple save files being created and clogging up your hard drive. The other is that an alert symbol appears every time you collect an item from battle. Now, I'm not just talking about when you find a new item but every time. Say I have two credit chips (an in-game item) and get another two, this damn icon pops up. Also the items in the game are largely redundant compared to other FF games. You have defensive items (potions, phoenix downs, etc), key items and components (items used to level up your weapons and accessories). There are perhaps only 12 or so defensive items but nearly a hundred components which serve no purpose other than to give EXP or give multiplier bonuses to your equip. It just a bit boring really. Finally, Gil is now a very rare commodity. There is no gil generated from battle (like in other FF titles) but instead you can get it from selling items (which you are not guaranteed to get from battling) or finding it in treasure spheres. So while you have a plethora of shops by the end of the game, you have no money to buy anything.Environments: Some interesting places but be aware that because of the linear, "on rails" nature of the game, no area (other than Gran Pulse and Eden) is re-visitable so you only get to got there once. There is no exploration, just a few short dead end alleys and a path that takes you directly from A to B, often without explanation.Replay value: At the time of writing this review there is no downloadable content. Replay value is ZERO! Once you've completed the game you can wander Gran Pulse and accept marks (basically battling and defeating specific monsters). There are about 60 of these but there is not much reward to do it. No increased CP (the EXP that characters use to level up) or mega items.To clarify, I played the game through once, completed it and thought "I must have missed something here cos that was way too linear (nothing to discover on the side)". So, I bought the official guide, played it through again, found some extra areas I hadn't gone to before but they didn't do anything spectacular.Final decision: 2 stars, Final Fantasy Flop!


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Shop Our Family of Brands
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Shopping for a something very specific? When it comes to making sure the treat you send is 100% perfect for the man in your life, you can be sure to count on us. In fact, health conscious guys, and men with restricted diets, will all appreciate our selection of sugar free gifts. Talk about great way to make sure your husband can enjoy Valentine's day guilt free!
From using the most premium and deluxe ingredients, to offering the most exciting classic and contemporary cake and dessert recipes, there's no small detail that we haven't considered. And when it comes to shipping, let us take care of all the hard work too. No need to try shipping your own gourmet gift, we'll deliver your Valentine's gift freshly baked, wonderfully presented, freshly chilled and all ready to enjoy. All he'll need is a plate and a fork and an appetite for real Valentine's romance.
So what are you waiting for? This Valentine's Day, show your husband how much you care, with delicious romantic gifts and make it a February 14 to truly remember! We're ready to take your extra special order.
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text: 5 Welsh on top form againKyle89 | 24/01/2011 | See all Kyle89's reviews (173)Obviously, if you didn't like Trainspotting, chances are you're not going to like this. This is vintage Welsh: yes, more Scottish jargon; yes, more explicit sex scenes; yes, more shocking violence and yes, plenty of drugs. If the above are all part of the things you loved about whatever book you've read before, then you're going to love this one.A more linear narrative than Trainspotting and The Acid House, with references to characters from other stories, this is a very dark and disturbing book and very, very funny. Bruce Robertson is a monster of a character and having the book mostly through his perspective can be a very frightening experience.There are some very disturbing scenes in the book and chances are it won't be for everyone, but this is definitely one of his best books, written in another signature only-Welsh-can-do-it style (even a tapeworm has its own narrative, how tripped out is that?) he creates a magnificently complex character in Bruce with a daring twist and beautifully bleak ending.One of his best and one I've read at least three times.


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Scattered Clouds
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NEW YORK, NY - JANUARY 1: A man wearing a monster mask takes part in the Coney Island Polar Bear Club's New Year's Day swim on January 1, 2013 in the Coney Island neighborhood of the Brooklyn borough of New York City. The annual event attracts hundreds who brave the icy Atlantic waters and temperatures in the upper 30's as a way to celebrate the first day of the new year. (Photo by Monika Graff/Getty Images)
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27" Single Basin Single Left Hand Faucet Hole Self-Rimming Bar Sink from the Tandem Series
Designed to simplify common laundry tasks, the Tandem utility sink features a generous basin with a work-surface area for treating laundry or storing messy laundry items. Included in the purchase price are a bottom basin rack, a soaking pan for treating small amounts of laundry, and a laundry tray, which can be used for spot treating or as a cover for the sink.
- Exterior Dimensions: 27-1/2"L x 22"W x 12"H
- Interior Dimensions: 16-1/2" diameter x 12"
- Single faucet hole on left
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Our SKU: Kohler K-6654-1L
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*Denotes a finish or option that has been discontinued
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Whether you are installing the product yourself or hiring a professional, our installation Resource Center has everything you need to get your project done. Visit the Installation Resource Center to get started.


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Hear the untold stories of enslaved people and learn about historical and contemporary slavery.
A beautiful building housing one of the UK's finest collections of fine and decorative art.
Uncover objects from the Titanic, find out about life at sea and learn about the port of Liverpool.
This new museum tells the story of Liverpool with diverse exhibits housed in a stunning building.
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Wachovia Corp Overdraft Fees
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Overdraft Fees
Posted by
NORTH PALM BEACH, FLORIDA -- My Mortgage Account is overdrawn by .36 cents.
OK here is the background. on what happened.
My mortgage Cleared the account, I usually keep a little extra in case of emergencies.
On 3/6 I made a purchase at BK for me and my daughter for 14.64 leaving an account balance of 14.05 when I balanced my checkbook the online account agreed with this.
The next day I went to Winn Dixie to grab some baby food and pick up medicine for my wife. The medicine was 10.00 at the pharmacy leaving me 4.05 left in the account. I forgot my National City bank card, so I was not expecting to use this card today. I picked up some baby food 3 for 1.00 the total should have been 3.00 plus tax, unfortunately the register did not recognize the customer reward card and I was overcharged .36 cents. OK my fault I did not catch it until later that night, and I entered my pin while talking to the store mgr who was at the register playing with my little baby.
I should have been charged 35.00 overdraft and I understand this, but I got charged 105.00 and went negative 105.36 from what I can tell I was charged 3 times for 1 overdraft, I called the branch mgr, who was a total jerk. Refused to refund any of the money, now all I was asking for was a refund of 70.00 what I legitimately owed, the branch mgr hung up on me and instructed his employees to hang up on me if I called back, on the third try a different employee at least gave me his name, something he refused to do.
No matter how you do the math you can clearly see the overdraft was over the 4.41 (Which I do not dispute) I called customer service the first phone rep was at least nice, and said I was definitely right and gave me another number to call, because she did not have the codes to override.
The third person basically was useless in help saying that the way it happened is they bounced the BK transaction because the Winn Dixie transactions added up over drafted, say what????
So basically I said OK, I agree to the first over draft and I am willing to accept it, but I wanted the refund of 70.00, she said not going to happen. So OK I said I guess I will have to initiate a small claims suit to get money back, at this point she said OK have a good night and hung up phone.
So basically because a Branch Manager was a jerk and 2 reps refused to at least compromise we are going to initiate a Small Claims action.
The wife is a Paralegal and I am studying Paralegal and I have what I believe is a strong case, Wachovia is going to have to pay more money to fight this case, which they will probably not win or even if they do not fight they will have to pay the judgment which we are going to ask for 5 grand the max allowed. I personally hope they fight because I want to see them explain how they charged these fee's and why. Even if I lose I will walk away saying I did not bend over and take it on the downside. I personally think anyone who disagrees with the bank levels fee's you have the right to ask the court to intervene, make the banks pay attorney fees or pay back your money.
The way this works is we will get a pre trial motion. This will be held by a arbitrator, not the judge, if Wachovia refuses to meet my demands I get a trial date. If wachovia does not show I win by default. Either way Wachovia is going to spend way more than the 70.00 in fee's they refused to hand over.
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Anonymous on 03/14/2008:
You haven't got s prayer. You admit that the overdraft is your own fault. The bank discloses how they clear debits in their statement you get when you open the account.
Your only recourse is to close your account and go someplace (like a credit union) which is a little more forgiving.
ejack053824 on 03/14/2008:
I agree with Ken here. The judge will dismiss this case.
tnchuck100 on 03/15/2008:
Debits on mortgage account?
Aerocave on 03/15/2008:
I have a simple solution: Don't take let balance get so low. You are just asking for this to happen. I realize things are a little tight right now, but come on...
And on another note, ask yourself this: Is it really worth it to pursue this legally over $70(you don't stand a chance of winning anything anyway) just to prove that "you don't take things in the backside."
kymndavid on 03/16/2008:
Actually I do have a prayer.
First the way it works they have to show up in court for mediation. If they do not I win by default.
Second I have proof to show that indeed they drafted my account and then charged a overdraft fee after the fact. While I do admit $35.00 is my fault the other $70.00 is indeed not. Remember this all could have been settled by the Branch Manager but instead he had a attitude from the get go.
I am suing for 5,000.00 70.00 actual damages 4,930.00 in punitive damages. If they do show up for the first hearing it is a mediation hearing in this case the mediator hears both sides and then encourages us to settle before going to court. I will indeed settle for a slightly lower amount of 5k, if not I will go to court.
In reality it will cost Wachovia much more to defend this claim, they will be the biggest loser if I do not prevail. Typically The courts here do not reward the defendants attorneys fee's in small claims court if I lose I am just out of my filing fee.
I know how the court system works, wife is a paralegal who already has drafted a 3 page complaint.
And to clear up another thing, we do not use Wachovia as our main account, it is a separate account that we fund once a month to pay our mortgage, We bank at another bank and after this we will be opening a second checking account there and closing Wachovia.
And the only reason why there were debits was because I forgot to place my Banks ATM card back in my wallet and I do not use credit cards.........
Anyway I will update on the progress of the court hearing's, we are filling this week.
Anonymous on 03/17/2008:
Yeah, good luck with that. If you succeed, you'll be the first.
The banks processes transaction in any order they chose per your account terms and conditions. You made an incorrect assumption. It has to get to court or mediation before you can even fantasize about a default judgment. It's highly unlikely.
Ponie on 03/17/2008:
Aw, c'mon! Punitive damages? For What? Because you admittedly goofed? Be prepared to be laughed out of court. And in that case, *you'll* have to pay court costs. If this is an example of the legal education you and/or your wife are getting--might I suggest you change schools? And don't kid yourself that they won't show up in court. They have oodles of attorneys on staff. Consider yourself fortunate you're only charged $35 for overdraft. My bank charges $38. Next time don't cut it so close.
jktshff1 on 03/17/2008:
They have more money and time than you do.
Anonymous on 03/17/2008:
jkt, how do you know that?
jktshff1 on 03/17/2008:
May be wrong, but if that is not the case the op would not be running that close on the account.
Slimjim on 03/17/2008:
Since when is $5000 an amount you can sue for in small claims? I always thought it was around $1500. Like the others said, regardless of venue, what court is going to see you as someone who deserves punitive damages at all, let alone what you are asking. Your wife may want to talk to who she works for in regards to some viable guidance. A real attorney.
MSCANTBEWRONG on 03/17/2008:
I think the small claims amount is determined by state or jurisdiction...
Suusan B. on 03/17/2008:
Aren't you a smart cookie! You know all the big legal words yet can't seem to balance a checking account. It appears that you and the wife haven't gotten to the point in your paralegal training where you learn to read and understand agreements.
Aerocave on 03/17/2008:
You are simply on a different planet. Good luck--you'll need it!
AJV on 06/10/2009:
How did your case turn out?
kymndavid on 06/11/2009:
We got our money back and that was it. Learned a lot along the way, but in the end if you believe you were wronged you should fight it out. The Banks are not always right despite what others try to tell you. Its funny now that we are National City we have not had 1 problem with accounting and mysterious balances like at Wachovia.
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Misleading Company, and Terrible Customer Service
Posted by
Yesterday I checked my account online and it said I had 60 dollars left in my account and nothing holding. I went out and brought something for 21.18 and then 18.32 which wouldâve brought my account to about 20 dollars, since I have direct deposit I didn't worry about it( it was going in last night). Until I checked my online banking today... and noticed I received an overdraft fee of 175 dollars. This was taking against my direct deposit. I immediately called the bank and the first customer service representative informed me that a $50 automated debit from my cell phone company had gone through last night and which put me in the negative, so things that were already posted to the account that had lower values were pushed up and the 50 dollar charge was place first for my 4/15/10 purchases (even though it didn't technically post till after midnight) which meant the 5 other charges I had gone into negative and 35 dollars NSF for each one. Also my balance was kicked back to my 4/14/10 balance of 120.07 so everything that posted 4/15/10 was deducted from that amount and largest to smallest which also contributed to the overdraft fees. None of this was reflected on my online banking. This is ridiculous and misleading...and I'm thinking illegal now. How can you post purchases to my account, show them as paid and then add another charge and decide to make that purchase negative because the last charge was the higher amount???? Customer service refused to give me any kind of credit, and I was transferred to another department...was on hold for exactly 1hr and 17 minutes and 32 secs before someone answered my call and the gentleman whom I spoke with was rude...and basically told me that online banking wasn't a true record but thatâs not the banks fault, and I should keep up with my money better. Then when I asked to speak to a manager he refused to transfer me to anyone else and told me that I have exhausted all other means to get the problem fixed and have a nice day. So I have bills to pay and I'm out 175 dollars because of Wachovia.
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goduke on 04/16/2010:
That's rough. I'm assuming that the cell phone company put the automated charge through early?
skelly39 on 04/16/2010:
No offense, but you should keep track of your money, unless, like goduke said, your cell phone charge went through earlier. In that case, you have an issue with the cell phone company.
I just got hit with three fees last night for making a dumb mistake in my checkbook, and each fee is more than the purchase itself. My fault, and I knew the consequences if I ever dared make a mistake on my account. That's why you have to stay on top of your account, so the bank doesn't take advantage.
Stace2sweet on 04/17/2010:
The problem that I have with Wachovia is instead of charging me 5 overdfraft fees for the things that already posted to the account I should have been charged only 1 for the cell phone charge.
PepperElf on 04/17/2010:
however keep in mind of this - the bills are not processed first-come-first-processed
they are processed highest-first
yes many people hate this however, that's how the databases are designed.
what I often do when I am running short, but know I'll have money coming in soon... I'll hold off on the little purchases until I can see the money in the account.
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Overdraft And Unavailable
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CHARLETTE, NORTH CAROLINA -- First I was charged a $35 fee for a check they created on "bill Pay" but there were no funds in the account, so they only wanted to offer me half of the over draft fee instead of the full amount. From the previous times of having Bill Pay, when there is no funds in the account the Bank DOES NOT PROCESSED TO MAIL OUT A CHECK WITH NO MONEY IN THE ACCOUNT... But WACHOIVA DID!!! If I wrote a check with no money in the account that's Check fraud! So why would The Bank Make a check, mail it out and charge ME for the check no being used when there was NO MONEY IN THE ACCOUNT TO BEGAN WITH!!!! I spoke to the sale SENIOR SALES representative in online bill pay dept and she informed me that she was the only one for me to speak to and I could not disputed this with anyone but her! Now I'm being to keep better track of my spending to avoid Fees... but since the economy has worsened, I'm being charged fee for no reason!!!! Over this past weekend I have written down everything I spent. I look at my Account and I was charged $140.00 in overdraft fees over the weekend and the reason being was because I used my Credit card instead of using debit!!!
Then the representative went on to explain that I was going to be charged 3 more $35 fees for Visa directly taking the money out of my account instead of them which they are calling "UNAVAILABLE FEES". If the money has already been taken out of my account then the money was there and available! ALL IN ALL I WAS CHARGED 9 fees for 3 Items!!! If anyone has any way to dispute this please LET ME KNOW~~~
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Soaring Consumer on 06/09/2009:
I agree, Wachovia would obviously know that the account was empty when the check was sent. Check your terms and conditions to see if it says that they will still send the payment if there are insufficient funds if bill pay is scheduled. If there is nothing about this, or if it states that the bill pay would be suspended in this event, then Wachovia has indeed committed check fraud just because they knew they could get an overdraft fee.
Furthermore, what kind of bogus fee reasons are those?! Used credit card instead of debit? Visa took out the money instead of them? What?????
I suggest that you contact the Office of the Comptroller of the Currency.
yoke on 06/09/2009:
Why did you waste your time requesting the bill pay if you knew the funds were not there?
BokiBean on 06/09/2009:
I can't follow this..
Anonymous on 06/09/2009:
Yoke, it sounds like it might be an automatic (monthly) bill pay.
Ponie on 06/09/2009:
'Check your terms and conditions...' Bingo! Not just for this instance--for anything. If it says they'll send out checks when you have no money available, then I agree you've been wronged.
yoke on 06/09/2009:
MissMarple, even if it is an automatic bill pay it was the OP's job to make sure the funds were available.
Anonymous on 06/09/2009:
Bill Pay is a separate system. If you set up an automatyic payment, it processes on the due date and in effect, you *did* just write a bad check. It is only when you are processing a one-time payment that it is looking at a live balance, and even this may not be true on all systems.
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Poor Bank
Posted by
ATLANTA, GEORGIA -- I check my checking acct. at least 3 times a day. On Nov. 10 I realized that I was going to be short if a larger check went through. At that time the bank had no knowledge of the check being submitted. So I raced to the bank and specifically asked the teller to make deposit it as cash and was assured that the deposit would be posted when the system updated around midnight. This was at 4 p.m. I was also told on a previous occasion that all deposits are processed first, before any charges are posted.
So I was relieved thinking that we were good. I checked my acct. at 11:45p.m. and I still had a positive balance. The next morning I checked my acct. only find that not only was my deposit not posted but my acct. was overdrawn by over $400. I called the 800 number only to be told that nothing could be done that day because it was a Veteran's Day and the offices were closed. So first thing Wed. morning I went directly to my regular branch thinking they were going to be able to help , but I was told that I shouldn't have been told that the deposit was going to go through, that it wasn't their fault, and there was nothing they could do. Now later this same day my husband received a check from an insurance co. written out of a Wachovia Bank.
Again this was after 2 p.m. The teller told my husband that if he deposited the cash at bank (because he cashed the check first) it would not post until Thurs. morning but if he deposited it through the ATM it would be available and would cover any transactions that we make. Why wasn't I told that when I told the teller the importance of that deposit being available? Every time something like this happens I'm told a different answer and when I think I got it licked they tell me that's not their policy and I should never have been told that. I firmly believe that there are no competent people working at the company.
Oh, a further note, an employee at the bank told me that all the transactions from the 7-10th were posted to the acct. on the 10th but I had an available balance at 11:45 p.m and they left one transaction pending that was done on the 10th. Go figure. Now I don't have the funds I need to pay my bills and buy groceries. Thanks Wachovia. I'll be closing my acct. as soon as all my debits clear.
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Anonymous on 11/12/2008:
Rather than depending on bad answers, why don't you just manage your account responsibly and not write checks before the funds are in the account. Checking your account online, no matter how many times a day you do it, is not a replacement for keeping a check register and tracking your balance.
Once you know what should be in your account by checking your register, it's way easy to verify it online, but online alone is just not going to work.
Anonymous on 11/12/2008:
Right on Ken! I wonder when people are going to wake up and assume responsibility for their actions.
madconsumer on 11/12/2008:
the word "available" means just that. what money you can have.
unless banking laws have changed, any transaction after 2pm local time is considered next day business.
lastly, you wrote a check that was 400$ over your available balance???? sounds like you were trying to float a check, and that does not happen any longer.
Anonymous on 11/12/2008:
Mismanaging your account and then claiming Wachovia employees are incompetent hardly makes for a believeable review.
chemman on 11/12/2008:
I agree with everyone above except, Ken, I have to respectfully disagree that online alone doesn't work. I haven't had a check register since sometime around 2001. I have never bounced a check nor overdrew my account. It probably helps that I pay all my bills online and don't generally use my debit card for any purchase under $30 or so. Oh yeah, that and I'm responsible.
old fart on 11/12/2008:
I keep a check register and check it on-line every day..
I haven't had an overdraft in thirty years..
Ponie on 11/13/2008:
madconsumer, I don't think it's a 'law.' I'm not positive, but I think it may depend on the individual bank (or maybe state). At the bank I use most, anything prior to 3:00PM is considered that day's business, anything after is next business day. Don't know about the others because I don't use them that often.
jktshff1 on 11/13/2008:
Doesn't anybody know what personal responsibility means anymore?
Anonymous on 11/13/2008:
It is definitely not a law, it is the policy of the individual bank. In fact, it may vary from branch to branch, depending on the distance to their processing center. The only law that comes into it is that it must be disclosed at the time of transaction, and if you look at your receipt, you'll see that it has the next business date on it.
yoke on 11/13/2008:
You do realize the reason your account was overdrawn is the bank paid the check. If you don't hve money for groceries or other bills you should never have written the check. Once you husbands check was deposited you should have become positive and be able to pay your bills. How is this the banks fault?
DD4 on 11/13/2008:
I appreciate all your feedback. I think there are some things that you don't understand. I was not over budget when I wrote that check. This is not something I don't do regularly or on purpose. Unfortunately, I made a mathematical error and realized it was going to create a problem with my acct. so I made every attempt to ensure that didn't happen. I am quite responsible with my money and this is not a habit.
yoke on 11/13/2008:
Your mathematical error is what caused you not to have enough money for groceries, not the fact that the bank paid the check. Once the deposit went in you should have been OK, minus the NSF.
jktshff1 on 11/13/2008:
DD4...thanks for coming back, It's a hard lesson learned. Everyone makes a mistake every now & then.
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Wachovia Math
Posted by
BALTIMORE, MARYLAND -- I have had an checking account with Wachovia now for about 3 years I had switched from another bank due to the way the other bank handle disputes with an unauthorized charge. Anyway I am really getting sick and tired of the way lately Wachovia does its math for charging one an overdraft fee which has gone up nearly $6 since I originally started the account. The way Wachovia does it with a check card is when you make a purchase they "hold" the money till it clears which means they take out the money but its not really taken out till it clears so therefore if you use more than the available balance they will hit with an overdraft fee on the check hold amounts.
Then if you don't clear up the fees before the holds clear they hit you up again for the overdraft fees. Also the way they clear holds is kind of geared to making more fees also. When the holds do clear they clear from the highest amount to the smallest amount no matter the date when they were actually made it so you can overdraft on smaller amounts even if they were made when there was plenty of money at the time of purchase. Another thing that has been happening to me a lot including 3 times this week is that a check hold would just disappear from the records on the site for 9 or 10 days then sudden reappear already cleared which again can cause an overdraft. When I asked 2 different Wachovia employees at 2 different branches about this they said it was my fault and that I should be keeping better records. And if I send a check or anything someone its my responsibility to make sure they don't make another check or anything if I didn't want more money taken out.
Which was telling me all they are doing is just holding the money hoping to get a piece of it and they are not assuming any responsibility if they clear or cash money coming out without my prior knowledge. And finally how is one supposed to keep good records if the bank doesn't give proper information to start with on any location to verify it.
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spiderman2 on 06/03/2008:
Do you keep track of what you have spent versus what you deposit some way other than looking at your available balance? I write everything down when I spent it and act like it is gone, even if it hasn't cleared. I have had no problems with this system as you are not trying to float money to yourself.
old fart on 06/03/2008:
Trying to play games with check float is financial Russian roulette.
When you write that check or use your debit card, consider that money gone!
When I use the debit card I put the receipt in my wallet and when I get home, IMMEDIATELY enter it into the checkbook and subtract it..
I know that this is probably bordering on obsession, but I also go to the bank website and balance the checkbook every day...
It takes discipline but it saves a bunch of money in O-draft fees
Allogagan on 06/03/2008:
I did these things including keeping track of everything on MS Money and still got hit with the Overdraft charges cause of the way they do the math. I once had money in the account I think it was $100 and so I made purchases but I realised after the last purchase that I made a mistake on my own figuring by a few cents (anyone can do this at times) so I went to nearist branch (I have never seen a stand alone atm from Wachovia) to make a deposit to cover the few cents I was other wise going to be over. I found out when I got there that not over did they charge me the $35 already for the few cents but $35 for another charge cause of the way they look at the charges they went from largest to smallest not the order of purchase and therefore they seen it as 2 smaller charges actually overdrafted instead of the last purchase made. So instead of $35 they manged to get $70 of free money. I call it free money cause when you make a check hold its not paid yet to the place of purchase and its not actually in accout so therefore they can't use the excuse its to cover their expensies since until they actully pay the merchent it hasn't actually cost them anything.
Anonymous on 06/03/2008:
If you don't already have the money available when you swipe the card, you're overdrawn, plain and simple. It's pretty hard to say this, but they are right, and you are wrong. Debit cards are not your friend. Consider this, if you have written a check instead of using the card, you'd have stood a chance of getting the funds in, in time.
yoke on 06/03/2008:
I am so confused as to why people feel that if they use the debit card the funds are still there until the merchant is paid. IMO, once you swipe the card the funds are gone, even if there is a hold on the amount. If you don't like the way your bank does debits/credits pay cash. Go to the ATM and withdraw the money.
old fart on 06/03/2008:
Allogan... the bank's math is inherently more accurate than yours.
I've never used any of the fancy-schmantzty money programs and likely never will..
All it takes is a pencil and and self discipline to keep yourself out of financial hot water..
Practically every bank on earth allows you to see what items have cleared and which haven't.
Get used to using that...
CrazyRedHead on 06/03/2008:
I'm with BOA and I have never had a problem with the way the funds clear, they clear my account in no special order. But if you have the money in there it shouldn't matter in which order they clear. I keep a checking register and when I make the transaction I write it down and it is immediately gone. used to play the float game and I nearly went to jail. I haven't had a problem in over 10 years.
old fart on 06/03/2008:
The "float" game is just that! A GAME...The only loser is the guy floating checks...
Allogagan on 06/03/2008:
Its not a matter of floating if you you make purchase at least show that they are holding the funds on some type of public area such as your account listing on their website. I may be to blame for not carry a check book to use a debt card but don't they have some responsibility to show good records. I would understand it more if they actually took the money in the order of purchase not any order they feel like doing it in. I have been with other banks where they had a check hold system but with them the money was out but if you happen to use more than what's in the account then you would have 24hrs to replace those funds before being slaped with a $35 fee. If they don't want you to overdraft at the banks do like they used to and just refused the card when attempting to make a purchase for more than what you have in the bank and not just let it go through and make you pay a fee for that. Banks are not blameless in this either. If make 3 purchase in the order of $25, $20, and $54 in that order why make the $54 clear before the other 2 if it was actually the last one made? To me that just looks like a way to make you pay fees if any on purpose. When I did keep a registar with me and the first time I was charged a NSF fee I showed them if they did it in the order of purchase which is how people actually imput them in the Registars that people here are standing by I would have only overdrafted once but by the way that Wachovia does it I was shown to overdraft twice. You don't enter entries in the order of highest to lowest do you? You enter them in the order of purchase. I will take most of the blame when it is my fault but when a Bank is willing to say its all my fault cause of the way they do things and that its my fault if a company makes a false check to my account its still my fault cause at one time or another I had done a transaction with them. I draw the line there. If I don't write the check then why clear it? They have cashed checks without even my name or signture on it but they still said its my fualt cause it was my account.
yoke on 06/03/2008:
If you had enough money in your account to cover the 3 transactions it should not matter in which order they are taken out.
Ponie on 06/03/2008:
'...keeping track of everything on MS Money...' Looks like you keep track of your money on the wrong program. The superior program is simple: a check register. I've not heard of any financial institution which lets you open a checking account without giving you this stapled booklet with a lot of horizontal lines on it plus a few vertical columns. Whenever you have activity in your account, you make the appropriate addition/deduction in the far right column. When that amount hits zero--you stop spending money! Rather than using MS Money, I think you could be helped by a course of 'checking accounts 101.' By your own admission, you've had problems with two different banks in four years. Don't dramatize--simplify!
old fart on 06/03/2008:
Allogan... until you come to realize the fact that YOUR checkbook is YOUR responsibility, you will be doomed to a life of check charges and overdraft fees...
Blame anyone you want but the fact remains it'S YOUR CHECKBOOK!
old fart on 06/03/2008:
Allogan... Here's an example you may be able to understand...When I go to Walmart and purchase groceries, by the time I get home 5 minutes later, that transaction has already cleared.
If I go to a local restaurant down the street their machine may not have been cleared for 2 days, but that doesn't mean that I still have the price of the meal in my account.
One minus one equals zero..
This is the first time I've voted a review "not helpful".
I'm done preachin'!
cherpep on 06/03/2008:
I think I may understand what you are trying to say, Allogan, that the bank should not charge you an overdraft fee until the money is actually being taken out of your account and is found to have insufficient funds. I agree with that point.
If you are at a store and have $25.00 in your account, and use your debit charge to purchase a shirt that rings up at $25.02. You realize that and hurry up put $10.00 into the account and feel safe that your Account Now has $35.00 to cover a $25.02 charge.
However, the bank took the $25.02 charge, put a hold on the $25.00 and charged an overdraft of $35.00; putting your account at minus $35.02 status. Your $10.00 deposit places it at minus $25.02 status. When the money is actually paid out you receive another overdraft fee. That does sound unfair.
I think you should consider a credit union. You get all the services of the bank, with much fairer practices. You'll still need to manage your account and keep accurate records. However, if this example was applied to an account in my credit union, there would have been no fees applied.
Allogagan on 06/05/2008:
yes cherpep gets my point. Also as a side note for those who are backing the banks 100% on this issue consider this point also. Some here suggested to take a look at my TOS with my bank about stuff well I did and found some interesting stuff to point out. Mainly it is stated both on the Companies Accounts website and in the TOS that check holds are 'only' held for "Up to 3 days or until the amount clears" I am not sure if its which ever comes first but the cases I was complaining about on this location were times where a check hold is shown on the account site (among other locations such as the phone service) then the next day it is gone only to reappear 9 to 10 days later. This is long past the 3 day limit the bank says itself that it would hold the money. So my point is this, the bank is not even following its own rules it has set forth so how is one truly supposed to know if and when something may be coming out. If it was there one day then is gone for 8 to 9 days then nearly 2 weeks later it shows up again and this time clears is the banks truly blameness. I say no, they should be held to their own rules too. If a check hold doesn't clear after the 3rd day (I will even not count weekends and holidays if you want which would give it up to 5 days) then it shouldn't clear at all.
yoke on 06/07/2008:
If you deduct it from your account as soon as you use your debit card you will never have to worry about when it will clear. I made a purchase last week. It did not show up on my account for 3 days. I deducted it as soon as I made the purchase. It did not matter that it did not show until 3 days later, IMO the money was not there.
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How to file a complaint against Wachovia
Posted by
I've only been with Wachovia for 3 months and never in my entire banking experience have I ever dealt with such GREED. I too was charged $70.00 a piece for 3 separate fees that totaled $210.00. I had a situation were a merchant double swiped my card but only had an authorization for one of the fees. Well, Wachovia used that situation for their personal advantage. The item never posted to my account twice, but Wachovia charged me 3 $35.00 on my check card hold items and $35.00 when they posted. Due to the one item still being on hold. When in actuality, I had a positive $53.00 balance. I called them to fix this problem and they gave me the run around too. (They made no sense at all.) They refunded my $53.00, but left the $157.00. WOW!!
So I did my own research about this Greedy company and found out that there are thousands of complaints just like mine. I also found out that as Consumers, we have rights against GREEDY BANK INSTITUTIONS like WACHOVIA. If you want help, file a complaint with the OCC. The Office of the Comptroller of the Currency (OCC) is a bureau of the United States Department of the Treasury. The OCC charters, regulates, and supervises over 1,750 (as of September 30, 2006) national banks and their operating subsidiaries to ensure a safe, sound and competitive national banking system that supports the citizens, communities and economy of the United States. The OCC also supervises federally licensed branches and agencies of foreign banks. The national banks fund the OCC through assessments paid by the banks based on their assets and fees they pay for special services.
The website address is http://www.occ.treas.gov/index.htm.
It's sad because Wachovia has merged with other Good institutions and have poisoned them with their greedy ways. They failed to remember that "WE THE CUSTOMER, GO OUT EVERYDAY TO WORK FOR OUR DOLLARS", not to just have them sit on there backsides and calculate how to make easy money off of their customers. I don't even know why they have a CUSTOMER SERVICE DEPARTMENT! They should call it the "PISS THE CUSTOMER OFF DEPARTMENT".
I personally know that the representatives & managers have nothing to do with this greedy policy, but when you guys go to these meeting, you need to speak up to these GREEDY OLD MEN & WOMEN who put these actions into effect, because remember, they are taking your money TOO!!!
FIGHT WITH KNOWLEDGE, NOT WITH YOUR HANDS!! Remember, you are the consumer, and without you WACHOVIA IS NOTHING!!! Contact the OCC!!!
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tnchuck100 on 11/18/2007:
Very good review. Thank you. I hope your first three months with them was also your last three months with them.
Find a credit union. They are far better to their customers.
mrsdee36 on 11/18/2007:
I agree. I did start with a credit union when I left them. They know me as soon as I walk through the door. I LOVE IT!
Ponie on 11/18/2007:
'a merchant double swiped my card but only had an authorization for one ' I think this is who you should have a complaint with, not Wachovia. But, of course, Wachovia has deeper pockets than those of the merchant, right? If I were you, I'd complain to the merchant for a refund of the charges.
mrsdee36 on 11/19/2007:
The merchants 2nd swipe never posted, so it never came out of the available money in my account. It was only on hold for two days. Wachovia charged a $35.00 fee for something that never posted to my account.
Anonymous on 11/19/2007:
What the OCC will do is investigate whether Wachovia followed proper procedure and banking regulations concerning the transactions you are complaining about. Chances are they did.
Even thnough it didn't hard post to your account, those funds were still held and could not be drawn against. That was why you were charged fees. They usually stay on hold until the bank receives the actual charge from the merchant at which point it will hard post to your account. If the bank does not receive the require information for the transaction, the hold is released and the funds become available to draw againt (per regulations). You should have had the merchant contact your bank to remove the additional holds.
You have a better chance of complaining to the merchant who caused the error in the first place and get them to cover your fees.
mrsdee36 on 11/23/2007:
I never understood why the older generation never places all of their money in one account until this situation happened to me.
Why do we place our money in the bank? The main reason is for protection. Most consumers just want the peace of mind of knowing that no one can break into their homes, cars, etc. and take their hard earned finances. So in actuality, Wachovia is really the "WATCH DOG" of their customers funds.. CORRECT? So when "THE MERCHANT" made a mistake, and double swiped my card, why didn't my "WATCH DOG" look out for me when I called?
It is to my understanding that WACHOVIA is already benefiting just by having me as a customer, because they are making money off of my money (and THOUSANDS of people just like me) just sitting in their institution.
So if my funds (and the thousands like me) are helping WACHOVIA's BANKING INSTITUTION to grow, wouldn't itbe important to them to LOOK OUT FOR ME? Remember the merchat doesn't protect MY MONEY, WACHOVIA does.
The Merchant fixed their mistake, but WACHOVIA penalized "ME"(the one that entrusted THEM with MY MONEY) for the Merchants honest mistake that was fixed. I don't believe in punishing Merchants for honest mistakes, especially when they fix them.
So again, why do we need WACHOVIA? The COMMERCIAL IS A LIE!! The customer service is the worst I ever dealt with, and I am a 10 year TOP CUSTOMER SERVICE REPRESENTATIVE that works for a FCC Regulated Company. So I "KNOW" Customer Service very well!!
Anyway, Wachovia is no longer my BANK, and never will be again. I hope those fees they've collect were worth it. God Bless.....
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Overdraft fees
Posted by
I have spent the last hour reading everyone's posts. I wish I saw this a few years ago. I was charged 280.00 for "pending" transactions I was not in the negative until these charges posted to my account then when the charges actually posted I was charged another 105.00 in fees. I am not sure what is worse the money or speaking to managers & executive office I even sent an email to the CEO with no response. They just want to justify to me why they won't refund my money. They would rather I close my account (which I did)pretty soon more and more people will close their accounts and hopefully less will open one. There are at least 5 branches here in my town I work with the public and will tell everyone I come across about my experience with This Bank. No more surprise fees no more aggravation and FINALLY NO MORE STRESS. I hope that anyone reading these posts and are thinking about opening an account with Wachovia DON'T save yourself the stress .
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Terrible customer services
Posted by
I had Wachovia for about 10 years.., before they used to be First Union Bank, well I can't believe that they have no respect for customer and I know that just like I'm leaving now they will continue losing clients...,
I had 3000 in my checking account and 2000 on the savings account, they I wrote a check for 3200, which they I thought they were going to accepted because I had money on the saving account, well they didn't and charge me 35 over draft fee, and bounce the check.., but when I log in to my account on the Internet it shows me available credit 5000.00.
Anyway I had enough with them, plus I think since they merge with Wells Fargo they change on the bad way
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Slagathorn on 04/24/2010:
Is your savings account linked to your checking account for overdraft protection?
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How Do They Sleep At Night
Posted by
I was in tears after realizing that I had overdrafted my account by $4.69. I'm a broke college student with no money and explained that my mother could only afford to send me $50. They charged me the $35 fee anyway, knowing that I would not eat because of it, and INSISTED that there was nothing they could do.
Where has HUMANITY gone??
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goduke on 03/05/2010:
Was this the first time you had overdrafted the account? Typically bank, even the big corporate ones, will give you a free pass on one NSF.
To answer the original question, though....they sleep very well at night in big soft comfty beds that are funded by huge NSF incomes.
Anonymous on 03/05/2010:
They really don't care what the reason is that made you overdraft. If everyone that overdrafted simply stated that they can't afford to pay it, then the banks would lose a lot of money.
Anonymous on 03/05/2010:
Do you keep track of your account? That's one way to avoid overdraft fees is to keep track of your account. If this was your first overdraft, did you ask, nicely, for a refund of the fee?
Anonymous on 03/05/2010:
Usually they will refund one overdraft fee. Hopefully they will for you. Either way, there is a lesson about account management to be learned, and if you learn it at a young age, it will greatly benefit you for the rest of your life.
Anonymous on 03/05/2010:
I had to teach my broke working her fingers to the bone daughter that when you don't maintain your bank account and you are paying then half your paycheck in fees you are making them rich. The money she paid them for her irresponsibility could have bought her a car. She learned. You will to.
momsey on 03/05/2010:
Do you have a job? Haven't you had jobs over the years and put money away in a savings account for emergencies?
Sorry, it stinks that you overdrew your account by a few bucks and had to pay a big overdraft fee, but I really dislike it when people put in their reviews how poor they are and now they're not going to eat because of the fees they legitimately incurred.
If your mom sent you $50, and you had to give the bank about $40, you had $10 to buy a boatload of Ramen noodles that would keep you fed for a few weeks.
Anonymous on 03/05/2010:
I'm pretty horrible with managing money.
But the six years I been with my bank I never had a overdraft I don't spend money I don't have simple, keeps the banks grubby hands of me
i_am_canadian on 03/05/2010:
I don't know your exact circumstances and I'm not being judgemental but if you don't have a job, may I suggest you get one. I worked all through college, it was tiring but it can be done.
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This is a detailed historical lesson about comets, distant icy worlds often visible to observers on Earth. Learners will consider the essential question, "What are comets?" They will practice observation and "noticing" skills as they enact a story... (View More) of comets travelling through the solar system and examine images of comets and the current space missions exploring them. This is lesson 10 of 12 in the unit, Exploring Ice in the Solar System. (View Less)
Materials Cost: $1 - $5
This activity is one of several in which students are required to access and analyze actual data from NASA missions, including video "interviews" with real NASA scientists, to solve a mystery. In this mystery, students are challenged to determine if... (View More) a signal from space has a natural origin, or if it actually is a message from aliens. Alien Bandstand can be used as a supplemental learning tool to reinforce the scientific method, and as an example of how scientists analyze data in real-world situations. It is one of several activities within "Space Mysteries," a series of inquiry-driven, interactive Web explorations. Each Mystery in "Space Mysteries" is designed to teach at least one physical science concept (e.g. interactions of energy and matter, structures and properties of matter, energy, motion, or forces), and is accompanied by materials to be used by classroom teachers. (View Less)
Materials Cost: Free