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Food in Dry Times
I learned the important lessons about water very early in my life. My father and mother began their life on our family farm in North Dakota in 1930. Their years as beginning farmers were thus spent in the midst of the Dust Bowl. My father understood intuitively that the devastation was not solely about the lack of water; it also was about the way land was farmed. The weather, including the scarcity of rainfall, was the immediate cause of the Dust Bowl, but the farming methods of that era had left the land vulnerable to incredible soil loss. As a result my father became a radical conservationist, and from the time I was five years old I can remember him admonishing me to "take care of the land." As far as he was concerned, that was the most important moral duty imposed on any farmer—not only for the sake of the land, but also for the economic survival of the farmer.
Consequently, water has never been an isolated "thing" for me. I understood from my father's tutelage that water was only one part of a complex web of living relationships that included, among other things, soil, climate, biodiversity, and husbandry. He understood ecology before most people had heard the word.
No Separate Parts
Although the science of ecology has been evolving for decades, it has barely begun to influence agriculture in the 21st century. We still manage farms as if all of their parts, including water, are separate entities. However, that method of farming is becoming increasingly dysfunctional, and the philosophy that informs it is being questioned more rigorously.
Cultural historian Morris Berman points out that since the dawn of the scientific revolution we have gradually adopted a "mechanical philosophy" that "insists on a rigid distinction between observer and observed" and assumes that our personal well-being is contingent upon acquiring personal wealth through the exploitation of natural resources.
Our attempt to isolate the welfare of the human species from the health of the rest of the biotic community is a direct outgrowth of this worldview. And perceiving water as if it were a separate entity, a thing, a commodity, is part and parcel of this same compartmentalized scientific culture.
But we now know that nature is not a collection of objects. It is not a machine. We are not the end point of evolution. And we are not, as environmentalist Aldo Leopold reminded us, "conquerors" of the land community, we are simply "plain members and citizens of it."
The water issues we are facing are tightly coupled to a complex, interconnected set of relationships. We are unlikely to solve our water problems without addressing comprehensive ecological health.
One of the reasons that we are using such large quantities of water for irrigation is that we have not paid attention to the biological health of our soils. Soil is not a thing, but a dynamic web of relationships with billions of microorganisms at the base of soil life. Industrial agriculture treats soil as if it were nothing more than a material to hold plants in place while we insert the synthetic nutrients plants require.
Rebuilding My Home Soil
In 1976, after my father had a mild heart attack, I decided to leave academic life and return to manage our family farm operation. This provided me with the opportunity to explore alternatives to industrial agriculture.
A 40 Gallon Water
Chaser For Your Beer?
The food we eat and the products we use contain "virtual water"—the water used to produce them. Cut down on home use, but here's where you can really save some water.
Water to make 1 pound of:
hamburger 2,029 gallons
chicken 468 gallons
apples 72 gallons
tomatoes 16 gallons
bread 171 gallons
cheese 600 gallons
Source: A.Y. Hoekstra & A. K. Chapagain
Water footprints of nations, 2006.
Being on the farm with full management responsibilities for the first time gave me the opportunity to explore theoretical questions I had: Were there ways to manage soil so it would absorb and retain more moisture to sustain crops during drought periods? Could I design a farming system with sufficient diversity to increase its resilience? Or one that was less energy intensive? Was it possible to create a farming system that was more self-renewing and self-regulating?
There was some immediate repair work to do. In addition to his passion for taking care of the land, my father was a progressive farmer, and he had always been interested in exploring technical innovations. When synthetic fertilizers first became available in our community in the early 1940s, my father was intrigued. He was deeply interested in increasing his wheat yields, and this seemed like an efficient way to do so.
But he also was concerned about the effect such inputs might have on his land and checked with our county extension agent and with other farmers whose judgment he respected. Everyone assured him that synthetic fertilizers would not have a negative impact on the health of his land. Based on those assurances, my father became the first farmer in our township to use synthetic fertilizers. The results were spectacular.
With this new technology he could plant wheat in successive years or grow it on simple rotations. And since wheat was the best possible cash crop in our part of the world, it simply made practical sense to raise more wheat and abandon other crops.
Replacing complex rotations with monocultures increased weed pressure. The more often we planted a cool-season crop like wheat, the more often cool-season weeds would produce seeds. So my father had to begin applying herbicides for weed control. By the time I returned to manage the farm, it was a fairly specialized wheat and sunflower monoculture farm operated in accordance with typical industrial farming practices—and the quality of our soil was significantly impaired.
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BMW 4 Series Convertible spotted testing
by Steven J. Ewing (RSS feed) on Dec 15th, 2011 at 1:01PM
We'll admit, it feels like a typo whenever we write "4 Series," but if BMW is as insistent upon further breaking out its coupes and convertibles from its sedan ranges as we've been hearing, we'll just have to get used to it. The BMW 4 Series is expected to officially kick off when the two-door versions of the new 3 Series are launched, and our spies recently caught a prototype of the new droptop 4 testing in the rain. There's still lots of cladding under all that swirly paper, but we expect the 4er Convertible's design to mimic that of the new 3 Series, complete with the more squared off... Read More


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BUFFALO, N.Y. — Training camp is really starting to kick into high gear for Sabres players.
Monday night, more than 10,000 fans filled the seats at First Niagara Center, while the team went through a simulated game - many players for the first time this season.
Lindy Ruff then followed the game with a high-tempo, strenuous practice - in which the team skated for more than an hour and a half.
To go from a game to such a hard workout is extremely difficult for players, but viewed as necessary in conditioning themselves into game shape.
Many players have spent the past nine months training on their own, and workouts like this hope to shock them back into mid-season form.
"Even the guys who didn't play, they stayed in good shape. I think you can see the pace of the game was good yesterday. I thought practice today was good again. Hopefully we can continue that again and be ready for Sunday," said Thomas Vanek, left winger.
"I think just the pace of the game, the quickness of making decisions, and having that kind of pressure on you weighs on your body a little bit more than just skating on the ice in a practice. These guys are professionals, and obviously I'm impressed by all of them. I'm sure they'll be in game shape quickly," said TJ Brennan, defenseman.
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100% Polyester. Medium weight. Contemporary embroidered stripe pattern through sateen texture. Suitable for upholstery, home accents and drapery.
Color: Noir/Brown/Cream
Width: 55"
Content: 100% POLYESTER
Learn about fabric careHOW TO CARE FOR POLYESTER FABRICS: Machine wash warm or cold, tumble-dry low. If ironing is needed, iron on a low temperature. Mood strongly recommends test-laundering a swatch, if you plan to wash your garment or home furnishings yourself.


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Product Description
- The patented and trademarked Vertebra System protects the rider's Achilles tendon.
- Thermoplastic resin ankle protection.
- Bolt on (no Velcro!) replaceable, adjustable and aerodynamic nylon scuff pads on the toe.
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Aaron Greenberg • Page 2
Sony UK boss says he's "not too fussed" about comments from competitors
Sony UK boss Ray Maguire has said that he is very "pleased" with Sony's first-party titles, and that he is not "too fussed about the competitive bits or people's comments" regarding such matters.51
Halo 3 outsells Sony's big exclusives combined
Aaron Greenberg has gone on the Twitter record to state that according to new NPD data, Halo 3 has outsold a number of Sony's big hitters.131
Greenberg: $200 Natal pricepoint is "purely speculation"
Microsoft's Aaron Greenberg's gone on record to say that speculation earlier today of a $200 price point for Project Natal is "purely speculation", insisting that retailers don't event know its price yet.15
Natal will sell "millions and millions", says Greenberg
Natal? It's going to sell "millions and millions" according to Microsoft's Aaron Greenberg.10
Greenberg: "Third parties have struggled" on Wii
Aaron Greenberg has revealed that over 70 percent of third party developers were creating games for Natal, proving that the industry knows Microsoft has "the best tools and internal support" out there.12
Greenberg: Web browsing on the telly is a "poor experience"
Aaron Greenberg has revealed in the latest issue of Edge magazine that Xbox 360 will never be updated with a web browser.23
Natal will "surprise you", says Greenberg
Aaron Greenberg has said that the variety of games slated for Natal this year will "surprise" people.9
Greenberg: Natal E3 "experience" will demonstrate 360's "universal appeal"
Xbox production boss Aaron Greenberg has told VG247 that Microsoft's just-announced E3 Natal event on Sunday, June 13 will be an "all ages" affair designed to show "the universal appeal of Xbox 360″.13
Microsoft to hold E3 press conference plus Natal "experience" event [Update]
Update: Aaron Greenberg just told us that the Natal event will be an "all ages" affair designed to show "the universal appeal of Xbox 360″. Original: Microsoft just said its E3 press conference will be on June 14 this year, and will be preceded by a Project Natal "experience" the night before..16
Greenberg: Leaving Blu-ray key to 360 outselling PS3
Microsoft's Aaron Greenberg's told Edge that passing on Blu-ray is key to 360 staying ahead of PS3 in terms of sales.47
Greenberg on Move: "Only Natal makes you the controller"
Microsoft production boss Aaron Greenberg's thrown out a response to Sony's Move reveal earlier this week, saying that Natal's the only solution for controller-free motion gaming.41
Microsoft believes it "will outsell the PS3" in 2010, says Greenberg
Aaron Greenberg has said that not only is Xbox 360 ahead of PS3 as far as the install base is concerned, but that when Microsoft says that 2010 is going to be the biggest year in Xbox history – you better believe it.42
"We are going to be careful" with Natal portfolio, says Greenberg
Microsoft's Aaron Greenberg has said that the company is going to be "very careful" when it comes to releasing games for Project Natal.19
Greenberg: 360 "offers more exclusives" than PS3
Microsoft's Aaron Greenberg has hit back at recent comments made by Sony on exclusive 3rd-party deals made by the Seattle firm for 360 the only way it can: by saying it "offers more exclusives than" the black behemoth. Shit + fan?76
Natal will have five year lifespan, says Greenberg
Microsoft's Aaron Greenberg reckons Project Natal will have a five year lifespan from its release this Holiday season.19
Greenberg: More information and possible "real" name for Natal at E3
Microsoft's Aaron Greenberg has said that more news regarding Natal will be announced at E3 – maybe even the actual name of the peripheral.9
Microsoft: 250Gb Xbox 360's are for bundles only
Aaron Greenberg has revealed that the 250Gb hard drive on Xbox 360 is to remain exclusive to bundled consoles.20
XBL for original Xbox shut down could mean increase to friend cap
It's quite possible that the loss of support for the original Xbox on Xbox Live could signal an increase in the 100-friend cap on the service.5
Lawsuit filed against Microsoft over MS Points in GFWL
A class action lawsuit against Microsoft has been filed in Philadelphia over the MS Points system used in Games For Windows Live Marketplace. Apparently, excess points left over after purchasing items cannot be used.31
Aaron Greenberg: MS "never intended to mislead people" with MS Points
Microsoft's Aaron Greenberg has revealed that the company never intended to "mislead" folks when using MS Points as currency on Xbox Live.30
Aaron Greenberg Latest
Greenberg on Move: "Only Natal makes you the controller"
Microsoft believes it "will outsell the PS3″ in 2010, says Greenberg
"We are going to be careful" with Natal portfolio, says Greenberg
Greenberg: 360 "offers more exclusives" than PS3
Natal will have five year lifespan, says Greenberg
Greenberg: More information and possible "real" name for Natal at E3
Microsoft: 250Gb Xbox 360′s are for bundles only
XBL for original Xbox shut down could mean increase to friend cap
Lawsuit filed against Microsoft over MS Points in GFWL
Aaron Greenberg: MS "never intended to mislead people" with MS Points
Aaron Greenberg sees Natal as helpful tool for Japanese game market
Greenberg: Natal is "not just about playing games"
Greenberg: "There will be millions of Natals in consumer's homes this holiday"
Microsoft says we're a "long ways away" from 3D in the living room
Greenberg confirms Alan Wake and Crackdown 2 for FH2010
Greenberg: Reach, not GT5, will win 2010
Microsoft's Thanksgiving was "biggest sales week of the year"
Aaron Greenberg's not concerned over NPD figures for September
Greenberg: MS "shapes up really well versus Sony" for winter
Xbox 360 price cut timing "completely coincidental"
"No plans" for a 360 slim, says Greenberg
Greenberg – Hardware issues "well behind us"
Greenberg: MS E3 was "historic" – Sony did a "good job" too
Ballmer – New Xbox in 2010: Greenberg and Nelson – No there isn't
E3 Interview: Microsoft's Aaron Greenberg
Greenberg: Ask Square if "not exclusive" FF14 is coming to 360
Project Natal and 3DV unrelated, says MS
Xbox 360 users have unlocked over 2.5 billion Achievements
February NPD – The Lost and Damned "would have outsold Killzone 2″ at retail
February NPD – PS3 business is "hemorrhaging at retail," says Greenberg


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A fun skill to learn and develop
Throw one of these handcrafted birch rangs out and be amazed as the hovering elliptical flight pattern returns it right back to you! Its a fun skill to develop and catching that rang in your hands when it returns perfectly is a real thrill! Flies about 35 to 40 yards out and back. Complete with flight instructions and U.S. Boomerang Association membership application.
Spirit of Fire Boomerang
Item: 64755


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American Express Canceled My Card Without Notice
Posted by
BEVERLY HILLS, CALIFORNIA -- I have been a customer with AMEX for the past three years. I have always paid on time and never went over the credit limit. I have several other major credit cards and always pay them on time and in full every month.
I used my AMEX for monthly, automated payments and was surprised when a payment came back declined. The payment was declined on January 16,2009. I checked my mail that day and happened to find a letter from AMEX stating (which by the way was dated on January 13,2009) :
Dear (Name):
We are writing to inform you that, after a recent review, your American Express account listed above has been canceled.
The short length of time you have been on file with a consumer reporting agency, in relation to your overall credit profile.
Too many creditors have recently reviewed your credit report.
You have been past due on an American Express account in the last 12 months.
Your account was reviewed using a consumer credit scoring system that evaluated the information in your file at the consumer reporting agency named below. The information provided by the consumer reporting agency included the following factors from your credit report that affected our decision:
Too many accounts with balances
Too many inquiries last 12 months
Too many accounts recently opened
Length of time accounts have been established
Our cancellation of your account under these circumstances may result in negative reporting of this account to the consumer reporting agencies. Additionally, if you do not pay your account in a timely manner, your account may be referred to a collection agency.
Now you can imagine how upset I was. I called AMEX immediately and after spending about four hours on the phone with them, NO ONE could tell me why my account was cancelled. One reason they stated was that I had a past due amount which was never paid with AMEX, which clearly I didn't. I therefore panicked and thought I had been a victim of identity theft and asked to see if there were any other accounts open in my name. The representative established that there weren't and he also confirmed that I had no past due balance on my AMEX account...EVER. He also stated that my credit was excellent and that he would try reinstating my account, which of course was denied.
I quickly went and pulled up my Experian credit report, because the representative said that AMEX had obtained all this information through them. My credit was fine...I have a 728 credit score, no balances unpaid, no delinquencies, no NOTHING. AMEX also stated that they closed my account because I had opened too many recent accounts....which is funny because my AMEX Blue card was the last credit card I ever opened...which was approx three years ago.
This entire experience was completely unbelievable. First, they cancelled my credit card without notice, which resulted in unpaid accounts with other services I used auto pay for with my AMEX. Second, they LIED about the reasons they closed my account. Every time the representative came up with a new reason as to why they closed my account, and I gave him an explanation as to why that could not be possible, he himself had run out of things to say. Third, this may now possible affect my credit score?? WHY??? Fourth, they led me to believe that I had been a victim of identity theft and had me frantically ordering copies of my credit report all morning, which turned out that all was well...
Experian said I am a low risk factor for many lending institutions. My credit score is high, I have no delinquencies or unpaid accounts. I have not opened any recent accounts and I have not had any recent checks to my credit report. WHAT SYSTEM IS AMEX USING TO REVIEW PEOPLE'S CREDIT???
I advise anyone who has an AMEX card to close the account. They obviously don't care that you've paid it in full every month and on time, they don't care about your credit score or credit report...THEY DON'T CARE
I have received much better service my Bank of America Visa's than I ever had with this poor excuse for a company.
Get out.
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Anonymous on 01/20/2009:
These Amex posts are coming faster and faster. My instincts say Amex is in dire financial straits and is reeling in credit in anticipation of 'something big and bad' coming at them.
All other posts considered: "Abandon ship!" Dump your Amex account immediately, before Amex does it to you. If you cannot pay the balance, close the account to ALL future charges. Cut up the card. And don't forget to pay off what you owe as soon as possible!
goodfella on 01/20/2009:
This just happened to me today as well. Same exact issue you describe, not to mention that I submitted a payment to American Express the morning of finding out it was canceled that they have refused to refund.
In addition, the rebate check due to us in February (approximately $500) will not be sent, since we are no longer active card holders.
I've already contacted Costco and filed a complaint. Will be contacting my Attorney General and the FTC. Will also be attempting to start a class action lawsuit.
Jacksgirl on 01/26/2009:
It happened to me last week. I called Amex today and canceled all my accounts rather than submit to their "financial review." We're also offloading our Amex stock. Take that, Amex.
just_a_guy on 01/27/2009:
I'll post more details some other time, but basically my story is the same.
1. AmEx reduced credit from 25k to 12.1k in October 2008--no problem, I didn't want that much of a limit anyway.
2. I paid the entire balance off (over $11k) less a couple hundred for outstanding transactions on 1/15/09.
3. AmEx canceled my card on 1/18/09 with essentially the same reasons all of these others have posted even though no late payments for AmEx or any other accounts and having held the card since 1999.
4. Wasted 30 minutes arguing with AmEx about their "policy" and finally gave up since they clearly weren't going to do anything about it. Even though all I ever did with them (and other creditors) is pay my bill on time.
Last step for me will be to complain to Costco about AmEx since I wouldn't have even bothered getting the card in the first place if it wasn't the only CC they accepted.
bb160 on 02/24/2009:
I wandered onto this site after I received a letter from American Express in which they canceled my card in my opinion for no reason. They said " too many creditors reviewed my credit report", but if they did they would see a good credit rating. I have been a cardholder for 11 years and always paid off my balances and never paid late! I have carried a zero balance for a while and this is the thanks I get for not abusing the system! I am also a small business owner and am strongly considering closing my merchant account with American Express.
Unreliable Service on 02/24/2009:
I received my billing statement with a note saying my account was closed at my request- which is completely false. Then they state that my rebate check is enclosed on the third page. I check and there is nothing there. I don't know if I should even bother calling. What I would like is information on a class action lawsuit.
Worst AMEX! on 11/09/2013:
I hate AMEX customer service. Now, you get connected to some Spanish sounding voice, just because they have to hire them so they don't get hit with the EOE lawsuit. NOT only did they not do what I requested them to do, they yelled at the customer, I HATE THEIR company and I will NEVER recommend them to anyone ever again. NEVER AGAIN. Plus, they pretend to offer you bonuses for small business Saturday, when in reality, they are raping transaction fees off of small businesses!!! What a bunch of crooks!!!
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Here's A Way To File A Complaint Against American Express
Posted by
Join in sharing with with the House Financial Services Subcommittee on Financial Institutions and Consumer Credit your experience with American Express interest rate increases with less than 45 day notice and no opt out provision.
You can lodge your complaints to: House Financial Services Committee, Democratic Staff, 2129 Rayburn House Office Building, Washington, DC 20515 (Phone 202 225–4247)... contact web page: http://financialservices.house.gov/contact.html
Since Amex has gone to the Federal government and changed their structure to a commercial bank in order to participate in the federal bailout, then they should be held accountable for their own sworn testimony just a few months ago...
Amex has done exactly what they said they don't do in their sworn testimony - they have implemented rate increases ...
( a ) not because of a specific account performance issue,
( b ) with less than 45-days notice,
( c ) without the ability to opt-out,
( d ) claimed that their cost of funds is a rationale in raising rates
Here is the sworn testimony from Larry Sharnak. Executive Vice President and General Manager, Consumer Cards, American Express Company Before the House Financial Services Subcommittee on Financial Institutions and Consumer Credit Hearing on H. R. 5244, the Credit Cardholders' Bill of Rights Act of 2008 (4/17/2008)...
QUOTING DIRECTLY FROM THE TRANSCRIPT (http://www.house.gov/apps/list/hearing/
"There are a number of practices we simply do not do:
- We do not increase an individual customers interest rate -- or APR -- for any reason other than the customer's performance on that particular account. If you are an American Express Cardmember, your interest rate will be increased to a penalty rate only if you violate the terms and conditions on that specific American Express account."
"Recently, many have raised concerns that credit card customers have not seen the benefits of recent rate reductions by the Federal Reserve. This is not the case for American Express Cardmembers. As the Prime Rate falls, which normally follows any drop in the federal funds rate, the interest rates applied to American Express variable rate credit card accounts are reduced by an equivalent amount. Since the Federal Reserve began reducing interest rates in September 2007:
- American Express has reduced interest rates on all variable rate credit cards;
- American Express has made these reductions automatically, and;
- American Express has passed along all reductions in the Prime Rate directly to consumers.
It is important to note that while these rate reductions have been directly passed on to consumers, American Express' own cost of funds has not come down at an equivalent rate. As you know, the capital markets are experiencing considerable uncertainty, which has had an impact on the cost of commercial borrowing. Even for well-capitalized, Arated companies, like American Express, interest rate spreads are extremely high. This means that the rate reductions American Express has passed along to consumers have exceeded the reduction in our own cost of funds.
As I mentioned earlier, American Express will not increase an individual Cardmember's interest rate based on their performance with other lenders, or based on a change in our cost of funds. Moreover, we will not raise a Cardmember's interest rate because of their performance on another American Express account. The overwhelming majority of American Express consumer lending accounts, 94 percent, end the year with the same or a lower interest rate than they had at the beginning of the year."
...and about 45-day notice and opting out...
Interest rate increases triggered by the customer's performance on the account in question should not be subject to a 45-day advance notice and an opt-out requirement. However, in circumstances where the rate increase results from reasons not related to the specific account in question, we believe it is appropriate to have advance notice and an opt-out.
As we discuss later in our testimony, advance notice and an opt-out should also apply to any terms change that an issuer may make to the account agreement, in lieu of a complete prohibition on "any time for any reason" terms changes as currently contemplated in the
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TGT101 on 12/03/2008:
opting out is the same as canceling the card. You would still be responsible for the whole balance. You can 'opt out' whenever you want.
greedbynoothername on 12/04/2008:
Not sure I understand your statement that "opting out" is the same as canceling the card. For cards other than American Express, if you "opt out" they honor your existing interest rate on the outstanding balance. In the case of American Express, they will not be honoring the existing interest rate after an account is closed. They are upping the interest on pre-existing amounts, even if you close your account. SO for American Express, "opting out" is not the same as canceling the card because you can't opt out of the interest rate increase, whether you keep or cancel the card.
TGT101 on 12/04/2008:
Read the fine print most the time it says that in opting out of any change you hereby cancel your card with .
greedbynoothername on 12/05/2008:
I read the fine print. You can cancel you card or "opt out" but they are still raising your interest rates at AM Ex (unlike other cards who don't raise your interest rate on outstanding balances when you opt out). I'm in the rather good credit category so mine was at 7.99% for a blue card before the November notification. On December 1, they raised my interest rate to 10.99%. I, like other commentors, have never had a late payment in my life with a credit score over 750. I carry a balance on this card because I put my college fees on it and am paying off over time so the inability to freeze the interest rate impacts me. This is just a really greedy company.
Credit-Card-Dude on 01/30/2009:
FYI, for unknown reasons, the House has taken down the individual testimonies of the witnesses, so the link to Sharnak's testimony no longer works. However, the transcript of the hearing is available at http://frwebgate.access.gpo.gov/cgi-bin/getdoc.cgi?dbname=110_house_hearings&docid=f:42721.pdf The quoted section of Sharnak's testimony is on the 70th page of the .pdf.
Ray Sieger on 11/13/2013:
Around the end of Oct 2013, I got a letter from American Express saying that they were lowering my credit line on my card from $21,000.00 to $1,000.00. I have been with them since 1996 and I have never had a late payment. I have paid them untold thousands of dollars. I owed nothing on the card. I had been paying it off every month. I called them and talked to someone in the Philippines who just read from a piece of paper and told me my debt ratio on my credit was high and I had inquiries. I tried to explain that we had bought a large house a few months ago and bought furniture, etc, so of course my credit showed it but we have never had a late payment on anything. This person just kept reading from a piece of paper and wasn't listening to me. I called back the next day thinking that I could talk to someone that would make some sense but the next person just kept reading from the same paper so I got frustrated and just told them to cancel the card and I cut it up. I was still annoyed with this a few days later since this wasn't the way to treat a valued customer with a perfect record, so I called again and asked to speak to a supervisor. I told her, why don't you just put a hold on the card instead of penalizing me. I don't really need to use it. She ignored me and said that she will put in a request to re-instate the card but I would get a letter and need to submit more information in order to get my credit line back. I asked her if re-instating the card would put another inquiry on my credit and she said no. A few days later I got a letter from AMEX and they wanted proof of income that included W2 form, personal tax returns, bank statements (checking, savings, certificates of deposit, personal financial statement, brokerage accounts, etc. That is unbelievable and also a bit of an invasion of our privacy. I was actually going to give in to this and start gathering the information and then I got another letter stating that they checked my credit and I couldn't get the card back. It looked like a letter a person would get when they applied for a card for the first time. This also now put another inquiry on my credit report which the lady said they wouldn't do. The irony here is that they based a lot of this on my debt ratio and buy destroying 2 of my credit lines, they actually made it worse. I say 2 credit lines because they did the same thing on my wife's AMEX card. Also, looks like they put another inquiry on my credit. They were no other card companies that did this. Only American Express. My credit score was on its way back up since we bought the house. My score was back into the 700 range. I have been monitoring it. Now it is going back down because of this incident. They need to make up the damage they have done to our credit. Give us back our credit lines and if they don't want us to use the card, then that would be fine. Don't damage people with a perfect payment record. We are not the bad guys. I have supported them for 18 years and this is the reward.
Metoo on 12/03/2013:
I had the same experience. Paid on time, and Am/Ex cut my limit from $20K to $200.00 above my balance. I don't use the card much
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Not Again - Unreliable Company
Posted by
NEW YORK, NEW YORK -- I got approved for Blue cash reward with 10k credit line a week ago, not to mention I have been valid customer since 2003 owned few AMEX cards including AMEX GOLD CARD, those are closed due to bad some experience with AMEX - anyway this morning 8/2/2012 tried to order a PC (around $1500, just ordered another a day ago had no problem) from DELL and got declined, so called AMEX, the rep, she told me that she will unlocked the card for me and let the transaction go through, after all the security questions I passed and 5 - 10 minutes hold then she came back said although I had cleared all the questions now account has been suspended and under financial review.
WHAT >????? I told her I need it immediately and I was in rush need for my personal business which she was promised that transaction will go though : ( WOW... not a again >> seriously AMEX ?? I have 200K in one of my bank account and a stable job. I use credit cards about 300K in 8 - 10 years period and assume they charge 5% fee to all the merchandise, how much money they lose if lose my account?? last, I made the wrong choice to go back to AMEX. AMEX is a such unreliable company, now I will just stick with Citibank, chase and Bank of America, I will never go back to AMEX again ! I will not recommend to anyone including my family , fiends , coworkers etc !
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trmn8r on 08/02/2012:
Sounds to me like this is a brand new card you were using, and you ordered expensive items two days in a row. I can see how this may trigger a warning of some sort.
Remember that you are using AMEX's money, until they are paid back. They don't know how much is in your bank account unless it is on deposit with them.
I believe the merchant fees are around 2 to 3%. It is true they may lost your business, but imagine how many millions they lost each year to fraud. Personally, I like it when my CC bank's fraud alert is triggered, which has only happened two times in 25 years - it shows me they are being careful. Each to their own I guess.
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Bogus Bonus
Posted on
NEW YORK, NEW YORK -- Many Credit Card companies issue rewards. Instead of points or miles or widgets some CC companies offer rebates or cash rewards. These programs have rules; some are like a game show. If you do X or buy Y you go to the "Bonus Board" for more rewards.
AmEX Blue Cash offers you a reward level (1% or. 5%) on your initial purchases (depending on the category of the purchase). After you achieve a certain threshold of spending in a given fiscal year ($6,500) you get a HIGHER reward level up to 5%, again depending on the category of the purchase. SIMPLE.
Everyone achieves the threshold at a different time. Most likely it will occur mid-purchasing cycle.
It is clear that I surpassed the required spend on or about Feb 1st 2012, right in the middle of a billing cycle. AmEx was inconsistent in applying the higher bonus on the charges later in that month. Some yes, some no; EVEN charges recorded on the same day were handled inconsistently.
IMPACT: In each of 4 categories (Gas, Drugstore, Grocery and Other) I had qualifying charges that did NOT receive the "promised" bonus. In dollars, it was only about an $8 error.
ISSUE: Customer Service understood my concern and initiated an INQUIRY. After about a month I received a "boilerplate" response about the monthly rewards and how they were issued one statement cycle in arrears. They spent almost $8 on postage alone for a worthless report.
When I expressed my frustration about the lack of substance I was escalated to a Supervisor. The Supervisor called me 2 days later and said:
1) she was disappointed in the poor report
2) the case had been "closed"
3) I would be issued a $10 credit.
CLASS ACTION: What about ALL the other AmEx users who are being "shorted" $8 ??? I would want a piece of that action!
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KevinTX on 05/16/2012:
Nice review. Well-written. Glad you got results and I agree with your conclusion. Unfortunately companies DO get away with stuff like this. I see it all the time (not against me of course). A well-educated consumer is the only one to come out ahead... you already know the flip-side to this... not everyone is as 'edumacated' and thus, companies profit from ignorance... pretty smart if you ask me :) (downright nasty, but smart).
trmn8r on 05/16/2012:
The way I read this, you *got* in on the action. Therefore you may not be eligible for anything further.
Is it the case that in subsequent months you received the full bonus points you were entitled to?
I guess I have a laid back approach to this, even though the CC bank may be getting one over on me. I would be using my CC regardless of bonuses, so if they give me something I'm really happy. It does sound like they did not credit you the full points to which you were entitled.
User on 08/20/2012:
Amex will not issue a rewards credit unless you have an even multiple of $25.00. You will always be chasing that amount and never get you $. I just canceled my Blue Cash card. The cash rewards balance was $97.50. Amex would only send me a check for $75.00!! I told the girl to buy herself lunch with the remaining balance.
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American Express is the worst Credit Card Company in business
Posted by
I have had an American Express Blue card for close to 10 years. I have other credit cards as well from Chase, Citi, HSBC, BofA. I don't use my AmEx all that much lately as I have a BofA card linked to my daughters 529 account and use that mostly for the rewards.
I had a balence of $28.00 on my AmEx and I was away and it was due just after Thanksgiving. I have never been late before on this card, I have a 750 credit score always try to be on time. I realized I misplaced the bill before the holiday and my trip and so I was a few days late and thought I'd call and see if they would waive the $15 late fee charge since it was a first time late charge in 10 years and that I just paid the bill on line. All other credit companies have helped me take a charge off in the past be it for overlimit charge or something like that, I thought AmEx would for sure do it, BUT NO... I even told them I would cancel my card if they wouldn't take the charge off as I was put so aback that they would put making a dollar over good customer service and they said they still couldn't do it. So I told them to place cancel me and they did and I was so in shock that they would be that pathetic on keeping customer's happy. It's not like this happened 3 months ago and I'm asking them to do it again. MY balance was a little $28.00 not like it was $5,000 or something and I'm trying to getaway with something.
In all, I will NEVER work with American Express again and I hope everyone sees them for the bloodsuckers they are. I would work with any other credit card company over AmEx as all other companies have proven to me to put the customer first and not bottom line.
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tnchuck100 on 12/05/2010:
Welcome to the American Express of today. They care not about you or your past good record. That $15 fee is far more important to them.
It is their right to refuse any form of consideration. As it is your right to tell them to stuff it.
Good move. Many are doing likewise.
Anonymous on 12/05/2010:
Holding an AMEX that you do not use doesn't really generate a lot of revenue for them, even if your account is 10 years old. It sounds like you do this with a lot of your cards and it really isn't the best practice to depend on these types of favors in this economy. Businesses aren't doing as well as they have in the past either.
goodbyeamex on 12/29/2010:
This is yet another great example of how unlike most other credit cards American Express has lost their human face. They have become so huge I guess they forgot they ever had one.
no1panthersfan on 02/26/2011:
I'm wondering if something is being left out or exaggerated. If you were truly a ten year member, and this was honestly the first late payment you've EVER made and they refused to credit/waive the late fee, something else was going on. Did they say they COULDN'T do it or WOULDN'T do it? Did they tell you why? Did you ask for a supervisor before you threatened to cancel your card? I know there are bad customer service reps at every company, but you cancelled your card over a $15 late fee after talking to one person?
Cardman on 05/10/2012:
I had a PERFECT Amex record for 12 years and they essentially did the same to me, except the late fee was $25 and the supervisor was rude about it. I was polite and the supervisor must have entered something in the computer because two other agents said the computer wouldn't let them do anything. Bye bye AMEX.
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Terrible customer service and a terrible company
Posted by
I have been very careful with credit cards my whole life. As a result, I have an excellent credit score (776), but I don't have a huge credit history. Nevertheless, like most people, I am inundated with offers for new credit cards, but as I said, I am careful. I have had a corporate AMEX card for 5 years and I've paid it in full each month. I've also had a VISA platinum for 10+ years. So, when I finally decided to get a cash rewards card, I decided to go with AMEX Blue Cash, thinking that in addition to my credit score, they would see my good history with them and offer me good terms. However, the card they sent me has a credit line of $2,000 and an APR of 22%; I could get better terms by walking into Macy's and applying for a card.
I've called and emailed with AMEX for 3 weeks asking for someone (anyone!) to contact me and explain why they decided to give me such a raw deal. After 2 weeks, the accounts supervisor (Jerene Nelson) finally called and left her number on my voice mail, however, when I phoned the number I reached a sex chat line! It took another week for her to finally call me back and she was incredibly rude. I just don't get this company. I am a very, very careful credit user. I understand they are reigning in credit and hedging their risk, but to offer such poor customer service just baffles me.
Unfortunately, I'm not sure what I can do about it. They've already pulled my credit report, so if I go and apply for a different card so soon, that will affect my credit score. This is a real shortcoming of our system. We apply for a credit card without knowing what terms we are agreeing to. We can cancel the card but that hurts our credit score.
Given my interaction with AMEX, I would *NOT* recommend this company. I am planning to cancel both this and my corporate card, just as soon as I can *reach* any one at AMEX - I've been trying but somehow they always manage to have a problem with their phones. Really an awful, awful company! Do yourself a favor and select any other credit card.
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AmEx canceled my credit card for No reason and hurt my credit.
Posted by
January 4, 2010
American Express
Vice President for Public Relations and Consumer Affairs
200 Vesey Street
fax: (212) 640-9238
Dear Sir:
This letter is to complain about the way I and my brother
have been treated by American Express's Blue Card Division.
Our card number is xxxxxxxxxx. I am a graduating senior at the University of Chicago, and I already have a family income of about $100,000. Our Blue Card has a very modest credit limit of $1,600. As the attached payment history shows, we have a perfect payment history, having paid substantially more than the minimum amount each month for two years.
In December, 2009, we paid American Express $1,591.99 on our account. On December 30, 2010, Blue Card Division's Customer Service Department responded by cancelling our account. When we called to find out why, we were told that there were two reasons. (1) In October, we had a minimum payment due of $30, and we paid $65, but we drew our credit down by more than $65 by using our card. (2) Supposedly we have increased our debt level by taking out other credit cards.
The first answer is loony. There cannot be a secret rule
that one cannot use one's Blue Card more than the amount of one's
monthly payment. If there were such a rule, the Blue Card would not be a credit card. It would be some sort of dysfunctional debit card.
With regard to the second answer, I pointed out to Customer Service that I have neither applied for, nor received, any additional credit of any kind during the past 12 months. I have had other credit cards for years, and they too are in perfectly good standing. I asked Customer Service what negative information they have to the contrary, and they refused to tell me! I then asked them what information I might send them to correct the false information that they seem to have but will not share with me, and they said that there is nothing I can do.
When I was told that there is nothing I can do, I asked for your fax number. The Customer Service agent refused to tell me what it is. My brother had to call back and threaten the supervisor to obtain this fax number.
I conclude from this experience that Customer Service canceled our account because we broke some secret rule, and they will not tell us what it is. I guess that the secret rule is that we are not supposed to pay off the balance on our account, because that will reduce the amount of interest you can charge us. (The cancellation occurred immediately after we made our largest payment this year.) I also conclude that Customer Service is either loony or was lying to us. Probably both. So we canceled authorization for our third payment in December that seems to have set off these events. And we of course will continue to make (now minimum) monthly payments until our balance is paid in full.
Lastly, I conclude from this experience that I cannot count on American Express to follow its own rules. I cannot even depend on American Express not to lie to me. No one needs this. We did nothing to deserve this. Are you really so desperate that you have to treat good customers this way?
Yours very truly,
Katharine H. Stone
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Anonymous on 02/07/2010:
When people start bragging about how much money they have, I lose all interest and sympathy.
Ben There on 02/07/2010:
You should not put your credit card number, phone and fax number, full name and address on the internet!!!
Anonymous on 02/07/2010:
Merely stating an income is not bragging and anyway in these times a $100K a year income is really nothing to brag about.
American Express is in yet another transformation. This company can't seem to make up their mind as who they want to serve. I say the customer should make up their mind for them by dumping them forever. There problem solved.
Anonymous on 02/07/2010:
Best answer Stew!
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OK, I messed up..........and Amex are going to cripple me for it
Posted by
FT. LAUDERDALE -- I've had my Amex Blue for 7 years now, never been late with a payment, always paid more than the minimum but, like all of us, I am only human. A couple of months ago I switched my checking account from Wachovia to a local bank that pays a decent interest rate on all balances. Diligently I went through all my other financial accounts adding the new checking account as the one to make payments from and, for most, deleting the details of the now closed Wachovia account. Amex was one where I either couldn't remove the old account or just simply forgot. Last month I accessed my Amex account online to make my payment and that's when I messed up, I scheduled the payment against the closed checking account. A few days later I received a call from Amex to tell me my payment had been returned, I realized immediately what I had doneand explained this to the very pleasant lady from Amex. She asked if I wanted to make a payment over the telephone so I did - it was still before the payment due date so at least I wouldn't get charged for being late, I knew I would have to pay for the returned payment, but that was my mistake so "fair enough".
Yesterday I received a letter from Amex which started by saying how Amex "alweays wanted you to clearly understand both the benefits and the responsibilities of Cardmembership with American Express" who wrote this?...........my mother? Anyway, to get to the point of the letter, my 'punishment', Amex are going to make me pay for my mistakes. Because of this one single mistake in 7 years the APR on my 'Blue' credit card is being increased from the current 'Nominal' rate of 10.24% to "the Prime Rate + 23.99%........at the current Prime Rate that means 27.24% an increase of 17%...... that's almost 3 times what it was. Only alternative is to opt out, effectively closing the account (I wonder what effect that will have on my credit rating).
The last line from Amex is the killer "We hope you will continue your relationship with us so that we can provide you with the rich benefits and superior service that come with membership". Can't help but wonder what those benefits are, and consider that the only think 'superior' about Amex is their attitude towards their customers.
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Anonymous on 10/15/2009:
Opt out...go elsewhere.
MaggieMcT on 10/15/2009:
When your payment wasn't even late? That's outrageous, dump them.
JR in Orlando on 10/15/2009:
You bounced a check on them. If they had not called you, you would have been late. You know or should have know that credit card companies are doing everything they can to raise rates on customers, thanks to the government regulations going into effect soon, yet you apparently have no follow up procedure to make sure your payment arrived. Credit card companies are like spouses, the fact you only cheated once, does not mean that they want to stay married to you.
Opt out may be the option to choose, depending on the amount on your card. If it is not much, pay it off and just keep the card.
saj80 on 10/15/2009:
Don't take this letter personally; while it was addressed to you, thousands of other AmEx customers have received them, too. I am almost 100% positive that the timing of the letter and the payment mishap were coincidental.
bcd on 10/15/2009:
Since the good payment was not late, you should have been penalized for only the return payment. The rate increase shows how greedy Amex is.
InShock on 10/15/2009:
JR, you don't by any chance work for Amex? Like I said in the title of my post "I messed up", made a mistake. Your comment "Credit card companies are like spouses, the fact you only cheated once, does not mean that they want to stay married to you." makes me glad I didn't marry you, how does making one mistake amount to cheating.
"yet you apparently have no follow up procedure to make sure your payment arrived." I did have a folow up procedure, I enrolled in Amex's own follow up procedure, giving them my cell number so they could call should anything happen that needed immediate attention! Opting out is the option I will take, although at 27%+ APR it is going to take a long long time to clear the balance (like a lot of people I don't have a stash of cash to fallback on).
InShock on 10/15/2009:
OK, it's been a long hard day, before anyone points it out to me I realize that if I Opt out then the APR will remain the same as it is now.
druu on 11/30/2009:
Pretty harsh if you ask me. Everyone makes a mistake and yours seems pretty innocent.
Have you tried to talk to a manager? Credit card companies are trying to cut their customer base down, but they still need good customers. If you are a valued client, have great scores, and only have one mistake on your record as long as you've been a member, then I can't see why a one-time courtesy of getting this reversed could not be extended to you. If you already tried this, then I guess either opt-out or pay your balance in full from now on.
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I smell class action suit coming - Who's in
Posted by
Looks like I am one in a long list of folks who got their credit limit instantly reduced for no logical reason, causing embarrassment. Balance around 12,200 with credit limit of 15,000. I was using it exclusively (ie my other credit cards have zero balance) because it had intro offer of 0% APR for 14 months AND I got Points towards travel. Last payment was 2200 a couple weeks ago, never been late have extremely low debt ratio and excellent credit. Never had this happen before. My wife happens to mention the Amex card got declined. I was like no way. Told her to call. They told her we were over our limit. I said that's a lie, cus I knew my limit and my balance. So, was busy Sat/Sun and called Monday. sure enough. the "nice lady" said they reduced my limit to 12200, effectively shutting off the card. They did it because they found something negative in my credit history and because my balances relative to credit limit were high. I mentioned that I have 2 cards with Bank of America with combined credit limit of about 37,000 and zero balance. hmmm, that doesn't sound to high to me...Lets see my only other debt is mortgage totaling 212k on a house worth 380k. NO OTHER DEBT. I told them to close the account immediately, and if they reported me to credit bureau as Over Limit I will sue them. She said they wouldn't but I will still double check. I also was an AMEX stockholder. There stock has been good to me but since I now hate them, I sold that stock (near their recent high, goody for me). I had my grand daughter do the honors and cut up the cards. AMEX is now on the short list of companies I will NEVER do business with again under any circumstances and I will be happy to tell all my friends and family about. If your wondering, the other one is ALLSTATE, but it a similar screw the customer story. Oh, by the way, the nice AMEX lady said they called 4 times. I asked if they left a msg, she said it was automated and came back as either busy or no answer. but, she said they sent an email also. Which, when I looked as we were talking she was right. Unfortunately, I got none of this information BEFORE my family was impacted. I can only speculate as to why they did it. My guess is I was I had accumulated 58000 points (about $600 worth) AND was borrowing 12k at 0% APR. Essentially, I was beating them at their own game and with the economy turning, they couldn't bear it anymore. Its Ironic how fast this happened. I only got the card less than a year ago (and that little whatever it is on my credit rept didn't bother them, and my debt situation was identical and didn't bother them). What they did shows an utter lack of respect for their customers and put us in a very embarrassing situation. PLEASE TELL ALL YOUR FRIENDS THEY ARE UNETHICAL SCUMBAGS. IF THEY OWN A BUSINESS TELL THEM NOT TO ACCEPT AMEX. IF THEY LIKE TO INVEST TELL THEM NOT TO OWN AXP.
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Out Of The Blue
Posted by
LONG BEACH, CALIFORNIA -- I recently paid of my American Express Blue card in full. ($2500) I had spent some time paying off other debts first but this was the last to go. I was feeling good about finally being debt free and having a decent line of credit to start using on a regular basis. I was also looking forward to suing those rewards point that I acquired. (6300) So I go to use my card knowing that I have a nice cushion of 2600 and it is declined. Figuring it must be a mistake I check by phone and everything was cool. On-line my account is paid. So I try to use it once more. NO DICE! So I called the customer service line and found that my account had been canceled. I asked if it was some kind of mistake and they told me they sent me a letter informing my why. Since I didn't get the letter they told me over the phone that they checked my credit and saw that I had too much debt for the about of credit available.
Well I guess that is what happens when you only have a few credit cards and then get financed to BUY a new car! I get approved for a car loan, pay off all my credit cards, and they think it is in their best interest to close my account! I would think that faithful making on time payments for all my accounts for two years would show some kind of responsibility. I guess they don't want money. I can't believe that they would do such a thing. I would have at least wanted some notice. They have my number they could have called, or I guess they didn't give a crap. Credit card companies only call when they want to hassle some who is down like a big financial bully. Well I am done with them I just wish I had spent my 6300 rewards point before they stole them from me!
I think we all know the big corporations like this have gotten way out of control. Lets hope the snazzy congress of ours can finally come up with some legislation that will put the power back in the hands of the consumers!
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NofriendofAX on 04/27/2009:
Welcome to the wonderful world of American Express. Now that you've freed up some of your debt. I would suggest you wait about one month, and obtain a copy of your credit report showing you have reduced you debt.
American express has reduced my credit limit three times over the past year. It's been about three months since the last reduction. So, I'm feeling confident that they will once again reduce it in my next billing statement.
After reading so many comments on this site about American Express, I decided to cash in my rewards. I've taken the American Express card out of my wallet, and will never ever ever ever use it again!
I think American Express should take a long hard look at what they're doing to people. I don't hear people on this site saying they haven't paid American Express. The people who are complaining are the individuals who actually pay their bills, and care about their credit score.
Shame on American Express.
MattG. on 05/09/2009:
The same thing just happened to me. My credit record is flawless, I have had credit for the past two years, never missed a payment (always paid on time), and today was notified that my American Express card was canceled.
I called to ask why? My debt was too high.
I just recently bought a car, and instead of paying it off in full (which I could do), I decided to build my credit by making payments for at least two years.
American express saw this and decided I was too much of a risk. So instead of calling me and renegotiating, instead of lowering my credit line, they just canceled me. They did not even give me notice beforehand.
Now I have a Costco card, but no American Express. The whole point I signed up with Costco was to get that American Express.
When I called to get my card reinstated, I told them my situation and they said sorry that is just how it is.
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text:
Utica Weather
Current Temp 35.0 °F
Wind : Southeast at 6.9 MPH (6 KT)
Humidity : 85 %
Pressure : 1023.0 mb
Fire crews respond to blaze on Riverside Drive
UTICA, N.Y (WKTV) - A man escaped any serious injury following a house fire on Riverside Drive in Utica on Tuesday afternoon.
The fire broke out just after 1 p.m. with heavy smoke visible throughout the area.
The house was being rented by a man and a woman, although the woman was not at home at the time of the fire. The man who was at home at the time came running out of the house as a police officer was passing by and was alerted to the situation. The officer then called the fire in.
It took 22 members of the Utica Fire Department about an hour to put out the flames.
The Assistant Fire Chief said there were some challenges for the firefighters.
"There was a lot of fire and it was an older house, said Assistant Fire Chief George Clark of the Utica Fire Department. "A lot of additions, it was cut up inside. We were inside and out a couple of times and it was just in foreign spaces we couldn't get to initially."
The home is a total loss.
Investigators have not yet determined the cause of the fire.
The Red Cross is assisting the couple.
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The home is set inside a geodesic skydome made out of ETFE bubbles and will create a year-round microclimate for the gardens contained inside. A series of living zones are spread throughout the enclosure and surrounded by the gardens enjoying abundant daylighting, fresh air and a quiet repose away from the city noise. Visitors to the mall will be able to tour the futuristic home and the 15 different living spaces that include internal/external bathroom zones, kitchens flowing to veggie patches, barbecues and sunken bedrooms with 'dream inducing lighting'.
Inspired by nature's efficiencies like coral, cells and bubbles, the home is an environment where technology is invisibly integrated to satisfy every day needs. As the sun goes down, the home and the tropical garden turn into an electric experience, with a vein-like lighting system illuminating the space, plants and bubble enclosure. Alongside the futuristic home, LAVA has also designed the Future Hotel, which is a demonstration project focusing on meeting the requirements of hotel guests using tomorrow's technology.
Chris Bosse, Director of LAVA says: "The Home of the Future acts as a metaphor for the questions of our times, our relationship with nature, with technology and with ourselves." LAVA's Home of the Future is currently on exhibit as part of the annual Art + Architecture 11 show, HOME – Real and Ideal, at the Boutwell Draper Gallery in Sydney from the 17th of March to the 31st.
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Jill FehrenbacherDid you know that there are wolves living near you in almost every state in the country? Sadly most of these wolves are not living in the wild, but in wolf sanctuaries, which are conservation organizations set up to protect them and help grow their populationREAD MORE >
Yuka YonedaNamba Parks was conceived when Osaka Stadium closed down, presenting a great redevelopment opportunity for a new commercial district right next to the Namba Train Station, which is just one stop away from Kansai Airport. Since it's one of the first placesREAD MORE >
Beth BuczynskiTop image: A child is put to work at a militia-run mine in Watsa. © Marcus Bleasdale/National Geographic Captured during a 2004 visit to the war-torn Democratic Republic of Congo, Bleasdale's images "tell the story of the country's mineral resourceREAD MORE >
Jill FehrenbacherYou've all heard the tired mantras about changing your lightbulbs and recycling at home in order to save the planet - are you yawning yet? Many consumers think that going green is a gesture of self-sacrifice that often comes at great expense and inconvenienceREAD MORE >
Yuka YonedaBANANAS You might have heard that bananas are favored by athletes because they contain potassium and it's that same reason that makes them great hangover cures. When you're hungover, your body has lost a lot of potassium that needs to be replenished, so eatingREAD MORE >
Yuka YonedaImages © Graham King "The shopping cart tree symbolizes both generosity and abundance, as well as acknowledging those less fortunate where their whole world may be housed in a cart. We see shopping carts every day and take them for granted. IndividuallyREAD MORE >
Jill FehrenbacherTIP 1: Wrap Your Home in Insulation - "The More, The Better!" Proper insulation is probably the most important factor you can control in creating an energy-efficient home. I always say insulation is like chocolate, the more you have, the better! On average,READ MORE >
Kestrel JenkinsWhile conjuring up comfort in the home seems like a basic principle, it's a far more complex process for architect & remodeling guru Sarah Susanka, who believes that comfort can significantly influence the sustainability of your personal abode. WithREAD MORE >
Lidija GrozdanicTwo architects, Jos Burger and Wouter Keijzer of BK. Architecten, in charge of the renovation of the old church decided to preserve the atmosphere of the existing place with a spatial intervention that preserves its historical value. The three new floors wereREAD MORE >
Morgana MatusFor centuries, the Dutch have manipulated the landscape to move water away from their dwellings. Instead of battling the elements, Netherlands-based firm Waterstudio just announced plans to construct the world's first floating apartment complex in 2014! TheREAD MORE >
Tamsin Woolley-Barker, PhD.The Biomimicry Manual: What can We Learn About Resilience, Weight Loss, and Kidney Disease from the Grizzly Bear?I'm off to the wilds of Montana this week, doing some in-person, up-close biomimicry research, and I've got my fingers crossed I'll see a grizzly bear. But you know, over there, not over here. With five inch long claws, massive muscular shoulders and forearms,READ MORE >
Bridgette MeinholdINHABITAT: How does the term Colorfast describe your latest show? R Nelson Parrish: The term Colorfast originally is a textile industry term derived at the beginning of the last century. It defines how a color cannot fade, wash out, or be diluted over time,READ MORE >


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Things happen. Time Passes by. Attaching to an idea or concept, we trap ourselves. Mind is it's own trap when fed. The acceptance of the present, fully, may bring suffering. The four noble truths. Karma. When letting go and coming to be, Karma comes back. How can it not? We can deny literally anything. It doesn't make it true.
Not going to the dentist caused my teeth to suffer. Denying my own pain, pushing away my reality, my karma was a root canal. This is not mystical. Our entire lives are like this. Really, intent is what matters. It's through our intent we become.
In this place we drop humanity's concept of time. We become realized the second we see. The myriad of teaching all point to one thing—to be here. Accept the entirety of being, not just ego or consciousness as boundaries. We are impermanent, we have finite time, our obligation, humbly to all beings. We are not the first nor the last. This beautiful web. Back to Presence. Where we are we should fully be. It's the only real place.


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Camo Duvet Cover
No longer available
- Overview
Take cover with this stylish camouflage design. Sewn of cotton percale in a mix of colors, this daring duvet cover is easy to pair with a variety of bedding.
- Pure cotton percale.
- 200-thread count.
- Easy-Care finish.
- Duvet cover and sham reverse to self.
- Duvet cover has interior ties and a hidden button closure; sham has an envelope closure.
- Duvet cover, sham and insert sold separately.
- Machine wash.
- Imported.
- Dimensions & Care
- Made of 100% cotton percale. A percale weave is noticeably denser and wears well over time.
- Our Easy-Care finish ensures that bedding emerges smooth from the dryer.
- Duvet cover is finished with interior corner ties and a button closure to keep the duvet in place.
- Sham features an envelope closure. Insert sold separately; down blend or synthetic.
Duvet Cover
- Twin: 68 x 86"
- Full/Queen: 90 x 88"
- Standard: 20 x 26"
- Machine wash in warm water, gentle cycle.
- Use only nonchlorine bleach, if needed.
- Tumble dry on low heat.
- Warm iron as needed.
- Shipping Info
Please allow 5-7 business days for delivery. Delivery estimate includes monogrammed and gift-wrapped items.
Duvet Cover
No longer available
Standard Sham
No longer available
Also in this Collection
PBK Down Alternative Bedding
Quallowarm Comforter
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reg. price $49 special $39
PBK Luxury Loft Pillows
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reg. price $20 special $16


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Making the Switch from Aperture to Lightroom
with Matt Kloskowski
If you are making the move from Aperture to Lightroom, then this is the class for you! Join Matt Kloskowski as he takes you step-by-step through the migration process from Aperture to Lightroom, and then introduces you to the most important features and functions inside of Lightroom that you'll need to know to get started with a new workflow. Matt has structured this class to help you understand the aspects of Lightroom that are similar to Aperture, the aspects that are different, and all of the Lightroom lingo you'll need to know to make the switch smoothly and efficiently.


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mouse over photo to zoom click for larger image
Teagan Pin
Glowing glass crystals bloom on our beautiful brooch.
- Bar-pin closure.
- Glass and metal.
- 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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Book your room at Holiday Inn Express Düsseldorf City North
Room, 1 Queen Bed with Sofabed, Non SmokingMax Occupancy: 4 guests (up to 3 children)
Room, 1 Queen Bed with Sofabed, SmokingMax Occupancy: 4 guests (up to 3 children)
Room, 2 Single Beds, Non SmokingMax Occupancy: 2 guests (up to 1 child)
Standard RoomMax Occupancy: 2 guests (up to 1 child)
Room, 2 Single Beds, SmokingMax Occupancy: 2 guests (up to 1 child)
Family-friendly hotel with a bar/lounge, in Duesseldorf (City North)
With a stay at Holiday Inn Express Düsseldorf City North in Duesseldorf (City North), you'll be convenient to Goethe Museum and Museum Kunstpalast.
This family-friendly hotel is within close proximity of Tonhalle Duesseldorf and ISS Dome.
Make yourself at home in one of the 150 air-conditioned rooms featuring flat-screen televisions. Complimentary wireless Internet access keeps you connected, and satellite programming is available for your entertainment. Private bathrooms with showers feature complimentary toiletries and hair dryers. Conveniences include phones, as well as desks and complimentary newspapers.
Make use of convenient amenities, which include complimentary wireless Internet access and a television in the lobby.
Quench your thirst with your favorite drink at a bar/lounge. A complimentary buffet breakfast is served daily.
Featured amenities include a 24-hour business center, express check-in, and express check-out. Planning an event in Duesseldorf? This hotel has facilities measuring 516 square feet (48 square meters), including a meeting room. Self parking (subject to charges) is available onsite.Information missing or incorrect? Tell us!
At your hotel
At your hotel
A bar/lounge is on site where guests can unwind with a drink. A complimentary breakfast is offered each morning. Public areas are equipped with complimentary high-speed wireless Internet access.
Business-related amenities at this 3.5-star property consist of a 24-hour business center and a meeting room. Event facilities measure 516 square feet (48 square meters). This family-friendly hotel also offers multilingual staff, coffee/tea in the lobby, and laundry facilities. Onsite parking is available (surcharge).
- Conference space size (meters) - 48
- Conference space size (feet) - 516
- Free Wi-Fi
- Total number of rooms - 150
- Safe-deposit box at front desk
- Number of floors - 5
- Coffee/tea in lobby
- Free breakfast
- Dry cleaning/laundry service
- Express check-in
- Express check-out
- Luggage storage
- 24-hour front desk
- One meeting room
- Bar/lounge
- Elevator/lift
- Laundry facilities
- Multilingual staff
- Self parking (surcharge)
- Year Built 2004
- 24-hour business center
- Number of buildings/towers - 1
- Television in lobby
Stay connected
Available in all rooms: Free Wi-Fi
Available in some public areas: Free Wi-Fi
Park your car
Self parking (surcharge)
In your room
- Air conditioning
- Soundproofed rooms
- Phone
- Coffee/tea maker
- Daily housekeeping
- Private bathroom
- Complimentary toiletries
- Hair dryer
- Shower only
- Satellite TV service
- Desk
- Sofa bed
- Rollaway/extra beds available
- Cribs/infant beds available
- Flat-panel TV
- Free Wi-Fi
- Blackout drapes/curtains
- Climate control
- Complimentary newspaper
- Connecting/adjoining rooms available
- Pillow menu
Eat and drink
A complimentary buffet breakfast is served each morning between 6 AM and 10 AM.
The recreational activities listed below are available either on site or nearby; fees may apply.
- Golfing nearby
To make requests for specific accessibility needs, complete the "Special or Accessibility Requests" section of "Trip Preferences" when you book your hotel.
- Accessible path of travel
- Accessible bathroom
- Roll-in shower
- Accessible parking
- In-room accessibility
The fine print for Holiday Inn Express Düsseldorf City North
When you arrive
Check-in time starts at 3 PM
When you leave
Check-out time is noon
How you can pay
Your pets
Pets allowed
You need to know
Extra-person charges may apply and vary depending on hotel policy.
Government-issued photo identification and a credit card or cash deposit are required at check-in for incidental charges.
Special requests are subject to availability upon check-in and may incur additional charges. Special requests cannot be guaranteed.
- Self parking fee: EUR 10 per day
- Pet fee: EUR 10 per day
We should mention
The property has connecting/adjoining rooms, which are subject to availability and can be requested by contacting the property using the number on the booking confirmation.
National Rating
Hotelstars Union assigns an official star rating for properties in Germany. This property is rated 3 star Superior and is displayed on this page as 3.5 stars.


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Free RP Forum: Where Fantasy and lore meet Sci-fi. Legends become real and the imagination runs wild. And much much more!
roleplay, legends, lore, fantasy, games, battles, empires, free, writers, gaming, romance, adventure, drama, stories, action, sci-fi, science, fiction, dragons, #elves, centaur, warrior, wolf, wolves, pirates, cowboys, indians
A free fantasy RP site. All ages are welcomed here, literate and non-literate. We have many RP's featuring dragons, kingdoms, space, wolves, pirates, the wild west, and so much more!
dragon, draxion, forum, roleplay, fantasy, dungeon, #elves, sci-fi, roleplaying, fiction, games, chat
A beachside tribe comprised of sea elves and wolf blooded elves coexists peacefully enough, but have yet to have a true meeting of head and heart.
forumotion, high, cove, holt, elfquest, roleplay, wolfrider, wolfriders, wavedancer, wavedancers, original, characters


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The school's design is five storeys high, aligning itself with the height of the surrounding forest. White precast concrete is situated into rows of louvers that act as shading panels for the outdoor hallways. The concrete panelling also allows for passive cooling and protection from the elements during Vietnam's rainy season.
The S-shaped building winds around two courtyards; one yard is for public events, announcements, and performances, while the other is tucked away near the back of the building for students to privately study or enjoy leisure activities. Stairs begin on the ground floor outside the building's far end and ascend toward the green roof that sprawls across the entire design. The grassy area is open for student activities, outdoor classes, gardening, and also acts as an insulation system, keeping the floors below nice and cool!
The building's open structure allows it to be part of its surroundings without harming the nearby forest. Students can interact with and learn about the environment while attending to their daily studies. The school's continuous structure acts as a safe campus that flows from classroom to courtyard, allowing students to move freely throughout the space, inside and out.
Via archdaily
Images © Oki Hiroyuki
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Jill FehrenbacherDid you know that there are wolves living near you in almost every state in the country? Sadly most of these wolves are not living in the wild, but in wolf sanctuaries, which are conservation organizations set up to protect them and help grow their populationREAD MORE >
Yuka YonedaNamba Parks was conceived when Osaka Stadium closed down, presenting a great redevelopment opportunity for a new commercial district right next to the Namba Train Station, which is just one stop away from Kansai Airport. Since it's one of the first placesREAD MORE >
Beth BuczynskiTop image: A child is put to work at a militia-run mine in Watsa. © Marcus Bleasdale/National Geographic Captured during a 2004 visit to the war-torn Democratic Republic of Congo, Bleasdale's images "tell the story of the country's mineral resourceREAD MORE >
Jill FehrenbacherYou've all heard the tired mantras about changing your lightbulbs and recycling at home in order to save the planet - are you yawning yet? Many consumers think that going green is a gesture of self-sacrifice that often comes at great expense and inconvenienceREAD MORE >
Yuka YonedaBANANAS You might have heard that bananas are favored by athletes because they contain potassium and it's that same reason that makes them great hangover cures. When you're hungover, your body has lost a lot of potassium that needs to be replenished, so eatingREAD MORE >
Yuka YonedaImages © Graham King "The shopping cart tree symbolizes both generosity and abundance, as well as acknowledging those less fortunate where their whole world may be housed in a cart. We see shopping carts every day and take them for granted. IndividuallyREAD MORE >
Jill FehrenbacherTIP 1: Wrap Your Home in Insulation - "The More, The Better!" Proper insulation is probably the most important factor you can control in creating an energy-efficient home. I always say insulation is like chocolate, the more you have, the better! On average,READ MORE >
Kestrel JenkinsWhile conjuring up comfort in the home seems like a basic principle, it's a far more complex process for architect & remodeling guru Sarah Susanka, who believes that comfort can significantly influence the sustainability of your personal abode. WithREAD MORE >
Lidija GrozdanicTwo architects, Jos Burger and Wouter Keijzer of BK. Architecten, in charge of the renovation of the old church decided to preserve the atmosphere of the existing place with a spatial intervention that preserves its historical value. The three new floors wereREAD MORE >
Morgana MatusFor centuries, the Dutch have manipulated the landscape to move water away from their dwellings. Instead of battling the elements, Netherlands-based firm Waterstudio just announced plans to construct the world's first floating apartment complex in 2014! TheREAD MORE >
Tamsin Woolley-Barker, PhD.The Biomimicry Manual: What can We Learn About Resilience, Weight Loss, and Kidney Disease from the Grizzly Bear?I'm off to the wilds of Montana this week, doing some in-person, up-close biomimicry research, and I've got my fingers crossed I'll see a grizzly bear. But you know, over there, not over here. With five inch long claws, massive muscular shoulders and forearms,READ MORE >
Bridgette MeinholdINHABITAT: How does the term Colorfast describe your latest show? R Nelson Parrish: The term Colorfast originally is a textile industry term derived at the beginning of the last century. It defines how a color cannot fade, wash out, or be diluted over time,READ MORE >


text:
Divers jump from 90 feet above Boston Harbor
Published On: Aug 26 2013 06:44:42 AM PDT
Sunday, the city of Boston was once again host to the Red Bull Cliff Diving World Series.
Thousands gathered around the Institute of Contemporary Art building in the Boston Seaport district to watch the high diving competition.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


text:
- Product Description
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Product Description
Pictured with optional tinted shield. Helmet ships with a standard clear shield.
- E.T.P.R (Engineered Thermo-poly Resin) Shell
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- Switch Back™ - removable, chin bar system
- Speed Strao™ - quick release chin strap
- Meets or exceeds D.O.T. standards
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Products in the Promotional Accessories & Corporate Products category have been rated stars based on 1 reviews
Workwear Express are leading suppliers of business ties, bow ties, clip on ties and more. Add your logo to any tie from only 95p. We can even design bespoke ties for your business. Just conact us on 0800 028 5867 or email us.


text:
spinner experts: how hard would it be for Tastle to gain 2-5kph and still retain some control? As we were all going on about yesterday he's just a tad too lobby atm.
spinner experts: how hard would it be for Tastle to gain 2-5kph and still retain some control? As we were all going on about yesterday he's just a tad too lobby atm.
To bowl quicker through the air and still get the amount of spin both through the air and off the pitch he gets currently, he'd have to become a better bowler.
~ Cribbertarian ~
Rejecting 'analysis by checklist' and 'skill absolutism' since Dec '09
Originally Posted by John Singleton
Matthews is harvesting the strike and we need to put a stop to this.
Should be more difficult for him to do that vs the new ball though
Moreover, as a counter point, I certainly can't recall a bowler as outright crap as Suranga Lakmal being successful in Australia either. There's no point selecting poor man's versions of what your opposition can supply; that's basically just accepting your inferiority and conceding defeat. They'd be far better off backing the quality players they do have and hoping they can adapt to adapt to the conditions. You can't out-Australia Australia.
please let us win. just roll over and die already SL. h8 u.
this will be the day we lose an entire hour to light deadset.
Great innings from Mathews, but geez, what a road.
Fantastic perseverance from our bowlers.
Let's bring it home after tea.
Corey Collymore, superb bowling, Swing and Movement vs Australia 2005 - YouTube
"Bitch please"
Sri Lanka only needs six runs an over from here.
need all 3 with the new ball. bowling with the old ball takes time and Mathews is good at shielding.
yes boulty some hope!
clouds to **** off kthnx
btw Mr ohnoitsyou lurking in here, I love your username.
There are currently 1 users browsing this thread. (0 members and 1 guests)


text:
Bollywood celebrities took to twitter to wish their fans a very 'Happy and Prosperous Diwali'. Here's what the celebrities tweeted: Amitabh Bachchan: Many thank you's first for all those that send me their wishes for Deepawali... may there be prosperity, & the brightness of
Diya mirza SEX
Dia Mirza
Dia Mirza considered Boman Irani as her father. Since Dia lost her father much before, she got a word from Boman that he would perform all the rituals of Dia when she gets married. On Saturday, Dia married to her long time beau Sahil Sangha and shockingly, Boman who is said to be a man of words d
Former beauty queen and Bollywood actress Dia Mirza shines in pink at her reception. Dia was married to her long time beau Sahil Sangha on Saturday in a private ceremony. The couple was married in Arya Samaj rituals. They had saat pheras. The photo of Sahil Sangha putting sindoor on Dia's


text:
- Colors
Take a look at these shades, while wearing these shades.
Mid-century modern design's hallmark is sleek lines, refined aesthetic, and an overall organic approach. Your grandma probably has some nice chairs in storage. Well, old is new again, and the Kaenon Clarke Sunglasses offer those classic lines in a cutting-edge pair of shades that won't smell like mothballs. The Clarke is ideal for men and women, and they look good and are functional whether you're sitting on a patio with a cold one or are hitting the links for a quick nine holes. Kaenon's world-class SR-91 is a lightweight, durable lens that is impact resistant and provides crisp clarity and broad-spectrum UV protection. The strong, lightweight, and flexible TR-90 Grilamid frame retains shape memory for durable comfort. The Variflex nose pads are comfortable and don't slip when wet—which cannot be said for those classy chairs you finally found.
- SR-91 lenses
- TR-90 Grilamid frame
- Variflex nose pads
- 6 base wraparound frame


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2/18/13 at 11:00 pm
12/17/14 at 10:53 pm
Best selfie of the day? (am I right? best one of the day?)
12/17/14 at 9:50 pm
Just saw this in NEW YORK POST
12/17/14 at 9:03 pm
Latest from the White House …
12/17/14 at 9:00 pm
Pick a topic and BLOG!
12/17/14 at 8:00 pm
OTR for Wednesday December 17 is now over…what did you think of tonight's show?
12/17/14 at 7:58 pm
Should President Obama be restoring U.S. ties with Cuba?
12/17/14 at 6:57 pm
Questions, Comments on Tonight's ON THE RECORD?
12/17/14 at 6:52 pm
VIDEO: This bakery is on a mission to help our veterans!
12/17/14 at 4:44 pm
Check out this selfie (and yes, it got photo bombed by a human!)
12/17/14 at 1:22 pm
Here is Secretary of State John Kerry's statement about Cuba
12/17/14 at 1:18 pm
12/17/14 at 12:22 pm
What does Florida Congresswoman Ros-Lehtinen think of the Cuba news?
12/17/14 at 12:00 pm
Here is what President Obama is doing about Cuba — click to read
12/16/14 at 9:30 pm
Your turn
12/16/14 at 8:52 pm
VIDEO: Is ISIS Coming Here to the U.S.?
12/16/14 at 8:03 pm
VIDEO: Jeb Bush's 2016 Announcement: Why Now and What About Sen. Marco Rubio?
12/16/14 at 7:58 pm
Does President Obama have the right strategy for dealing with the Taliban?
12/16/14 at 6:57 pm
Questions, Comments on Tonight's ON THE RECORD?
12/16/14 at 1:29 pm
As we get deeper into the holiday season, a SPECIAL THANK YOU to our military serving overseas, firefighters, first responders, doctors, nurses and police here at home who will be working and not thus with their families — just so they know, we appreciate them (and their families for lending them to the rest of us)
12/16/14 at 12:39 pm
I have the BEST Christmas vacation coming up! It is the MOST fun! It doesn't get any better than this! I am headed to the Greta Home and Academy in Haiti with Reverend Franklin Graham and my husband! Click to see some GREAT pics from last Christmas and when you see these pics, you will agree, this is fun!
12/16/14 at 11:32 am
Here is what Former Governor Jeb Bush just posted — is he running for President?
12/16/14 at 8:32 am
12/15/14 at 9:00 pm
Pick a topic and BLOG!
12/15/14 at 8:56 pm
VIDEO: Burger King Ditches U.S. Citizenship to Save Millions in Taxes
12/15/14 at 8:34 pm
VIDEO: Did Hollywood Get Caught Waging a Secret War on Women?
12/15/14 at 8:00 pm
OTR for Monday December 15 is now over…what did you think of tonight's show?
12/15/14 at 7:58 pm
Do you think Hollywood is waging its own 'War on Women'?
12/15/14 at 6:57 pm
Questions, Comments on Tonight's ON THE RECORD?
12/15/14 at 6:22 pm
Is President Obama taking a dig at Sen. Cory Booker?
12/15/14 at 5:27 pm
VIDEO: GretaWire blogger Ellen really outdid herself with these ornaments!
12/15/14 at 2:59 pm
Check out Congressman Jason Chaffetz tweet – click to read
12/15/14 at 8:23 am
good morning
12/14/14 at 12:00 pm
Blog here while you watch football!
12/14/14 at 10:31 am
Your turn (but tell me, do you have plans for this week..and what?)
12/13/14 at 9:49 pm
12/13/14 at 5:31 pm
Is the United Nations in cahoots with mass killer President Bashir of Sudan?
12/13/14 at 12:50 pm