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History Classics: WWII Unsung Heroes DVD
Sale Price: $19.98
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: DVD
- Rating: Not Rated
- Number of Discs: 5
- Run Time: 470 Minutes
- Region: 1
- Aspect Ratio: Fullscreen
- Language: English
- Studio: A&E Home Video
- DVD Release Date: October 26, 2010
- Closed Captioning: No
- Genre: Documentary
A stirring collection of bravery and conquest, WWII: UNSUNG HEROES details the horror and heroism of some of the most famous campaigns of military history, focusing on the soldiers, sailors, airmen, and Marines whose courage, quick thinking, and sacrifice helped pave the way to Allied victory. From Marine Red Mike Edson, who invented a new kind of high-mobility warfare that helped win some of Americas earliest ground battles, to sailor/scientist Swede Momsen, who directed the rescue and recovery of the 33 crewmen of the sunken submarine, Squalus, this inspiring assortment of documentaries from HISTORY provides an intimately personal survey of an epic war. Other topics covered include the elite Marine Raider battalions that confronted enemy forces in surprise hit-and-run raids, helping to destroy Japanese supremacy on the ground, and the Tuskegee airmen who, in the face of bigotry and ignorance, shattered racist stereotypes to fight bravely for their country.
WWII: UNSUNG HEROES includes 11 documentaries on 5 DVDs:
DISC 1: Unsung Heroes Of WWII: Red Mike Edson: Marine Raider / Unsung Heroes Of WWII: Swede Momsen: Submarine Savior / Weapons at War: Fighting Leathernecks of WWII
DISC 2: Dangerous Missions: Marine Raiders / Dangerous Missions: Pathfinders
DISC 3: Dogfights: Tuskegee Airmen / Black Aviators: Flying Free
DISC 4: A Distant Shore: African Americans of D-Day / Honor Deferred
DISC 5: Combat Jump / Navajo Code Talkers


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ingrown hair cream.
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Developed for our partners at Strip: Ministry of Waxing - industry leaders in the spa and hair removal world - the ingrown hair cream addresses irritation associated with hair removal for women and men, including ingrown hair and razor bumps. Our plant based, oil-free cream synthesizes natural botanicals allantoin and chamomile to calm and soothe, glycolic and salicylic acid to exfoliate, and vitamin B5 to promote skin repair. Natural fragrance and color. A perfect-post shave or wax treatment for face and body.
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Apply to affected areas post shave, wax, electrolysis and epilating. Use in conjunction with our Geranium Body Wash, Peppermint Body Scrub, Vitamin E Shave Cream.


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The Brookland Bridge
by Shani on September 24, 2012
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Have you noticed we have gotten out of rythm with the following ?
We used to keep teams from scoring in the first quarter
We used to win our openers
We used to not have teams run 100 yards upon us
We used to get more turnovers
We used to get more sacks
No matter how our record was we used to own our division
Our player hardly did the bone head things they are currently doing
Seldom our play calling was in question
We used to win most of our home games
I'm not saying Cowher was perfect and it was time for a change but, Tomlin has fallen faster and has taken this team down quicker than I can remember.
Maybe something worth considering. Someone who appears polished likely has to spend time keeping up that appearance.
Tomlin comes across as one of the most polished coaches in sports history. Most great coaches don't because they're completely absorbed with coaching.
Cowher, Noll, Bellichick, etc. all looked ragged compared to Tomlin. Not sure it means anything? It could be 100% natural and authentic. But someone that finished isn't 100% natural most of the time.
1.15) Ryan Shazier - ILB/OLB
2.46) Stephon Tuitt - DE
3.97) Dri Archer - RB
4.118 ) Martavis Bryant - WR
5.157) Shaquille Richardson - CB
6.173) Wesley Johnson - OT
6.192) Jordan Zumwalt - ILB
7.215) Daniel McCullers - DT
7.230) Rob Blanchflower - TE
"Before you can win a game, you have to not lose it." -- Chuck Noll
Sometimes people overcompensate and put a little more effort into their personal style when they don't have substance. For others it's natural and success goes hand in hand with style. And yet others seem like complete buffoons but are amazingly competent at what they do.
1. Ben is difficult, it's something we've all known for a long time.
2. Prior to the injury of Ben he was having a very good season but the rest of the team was either fumbling or simply not catching the damn ball.
3. Injuries, injuries, injuries. I had hoped someone would have broken it all down but I may just end up doing it if for no other reason that to see just how messed up this season has been.
I could continue with that list and Tomlin is far from perfect but you aren't going to sit back and go all chicken little on all things Steelers because we're having a crappy year. If the team stayed healthy and the receivers played like they've played in the past we wouldn't even be talking about this right now as we'd have one of the top seeds in the AFC. It's been a bad year that isn't the result of any one thing in particular but rather a crap wrapped Christmas present of minor things that made a larger problem.
Last edited by Snatch98; 12-26-2012 at 05:53 PM.


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Arizona Diamondbacks
Gammons quotes Rangers official: 'We got Upton'
Oh the fun that goes on at the Winter Meetings.
MLB Network's Peter Gammons was present and recently tweeted about some of the "fun" surrounding the endless trade rumors about Arizona Diamondbacks outfielder Justin Upton:
If you don't believe the multi-team Upton trade talk, Wednesday night a Rangers official called an Astros officisl and said, "we got Upton."— Peter Gammons (@pgammo) December 7, 2012
Upton has been part of trade rumors for the last three offseasons, and his name has been one of the most talked about at this year's gathering.
Obviously nothing is official at this point and Gammons' tweet could indicate just how close the trade was to going down before the plug was pulled. It could also indicate that the deal is close to consummation.
Thursday, talk of complicated three and four-team deals surfaced with Upton being one of the centerpieces for potential swaps. Other teams that have been rumored in such deals are the Tampa Bay Rays, Cleveland Indians, and of course, the Texas Rangers.
Based on Gammons' tweet, Friday could be an interesting day on the Upton front.
Most Popular
- Derrick Hall, D-backs President & CEODerrick Hall discusses the moves he's made this offseason and the future of the D-backs.
- Miguel Montero, Cubs catcher Miguel Montero says he has mixed emotions about being traded to the Cubs but he's excited for the c
- What's on your mind?Vince Marotta shares what is on his mind this week.
- It's Paul's Call with Paul Calvisi!It's Paul's Call with Paul Calvisi!
- Tim Kurkjian, ESPN MLB insiderESPN MLB insider Tim Kurkjian says he expects the Giants to try and get four or five innings out of


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America's Castles: Grand Resorts DVD
Sale Price: $19.99
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: April 13, 1997
While taverns and inns have been a part of the American landscape since the Colonial era, the Gilded Age of the late 1800's saw the emergence of THE GRAND RESORTS, opulent retreats for the nation's moneyed elite.
From the stately Greenbrier, with its 3 golf courses and spa overlooking 6,500 acres of mountains, to the Spanish fagade of the Hotel Hershey, AMERICA'S CASTLES® tours these unique escapes. Discover how chocolate magnate Milton Hershey decided that the one thing his town lacked was a world-class hotel, and how 800 men worked around the clock for a year to build one. Go behind the scenes of the legendary Mohonk Mountain House to see the technologically advanced features that set it apart. Built in 1869, it boasted one of the country's first elevators and its own generator. And check into one of the Greenbrier's 672 rooms, still a favorite destination of the world's elite.
It's a privileged look inside some of the finest resorts ever built.


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1000 Ideas for Creative Reuse (Paperback)
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Artists and crafters have always been recyclers, but for many, it has not only become a thrifty choice, it has become a moral imperative.
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Gymnastics - Archives 2014-15
UW gymnastics hosted its annual intrasquad Purple & Gold Meet Monday night in Alaska Airlines Arena to kick off its 2015 season. The squad was divided into two, with the Purple team winning the meet.
UW Gymnastics will kick off its season with the annual Purple & Gold intrasquad meet on Monday, Dec. 15 in Alaska Airlines Arena.
UW gymnast McKenzie Fechter is looking forward to leading the GymDawgs in her senior season, but is also leading student-athletes in the Pac-12 and nationwide concerning the pending NCAA reforms.
UW gymnastics held its second critique meet of the 2014-15 season Friday morning, showing great progress and leaving the team very hopeful for the upcoming season.
UW gymnastics landed commitments from two gymnasts on National Signing Day, getting signed letters of intent from California native Kristyn Hoffa and Monica Riley from Texas.
After a year riddled with unfortunate injuries and some bad luck, UW Gymnastics is looking forward to a successful 2014-15 campaign.
UW gymnastics hosted its first form of competition Friday morning at its training facility in Alaska Airlines Arena, a Halloween themed critique meet.
UW Gymnastics has released its 2015 schedule, complete with times and TV dates.
UW Gymnastics has released its 2015 schedule, complete with times and TV dates.
The University of Washington women's gymnastics team will open its doors to host the third annual Meet the GymDawgs on Oct. 11 at 7 p.m. in the gymnastics training facility in American Airlines Arena.
University of Washington head gymnastics coach Joanne Bowers has announced the addition of two new members to her staff.
In a compilation of all collegiate gymnastics teams, Washington ranked eighth among all teams in 2014 with a cumulative grade point average of 3.52. Utah, the only Pac-12 team ranked higher than the Huskies, led the nation with a 3.78 gpa.


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Rick Snavely shares the latest with you about Family Life.
Check out the daily report
01.03.12 | Steve Smith
Your Comments(please keep them on topic and polite)
Family Life Ministries, Inc. P.O. Box 506 Bath, New York 14810
©2014 Family Life Ministries | Do You Know Jesus? | EEO Public File


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Video Premiere! Brandon Heath, "Love Does"
Music Videos & Features
Brandon Heath - Love Does (Official Music Video) from brandon-heath on GodTube.
Songmaster Brandon Heath ("Jesus in Disguise") comes out with a new song, "Love Does", about the impact we can have in others' lives, even when we don't think it matters.
An exclusive video premiere!
The "Love Does" music video and song are both inspired by Bob Goff, author of the New York Times best selling book "Love Does". The song from Brandon's album "Blue Mountain".
Brandon is on tour with Amy Grant this summer.


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"Blossom guarded the Robin's egg nest. She would fight every foe without any rest. Never a baby's egg would be harmed, because Blossom thought their lives to be charmed. All curious eyes she led far away, during the egg rolling games on Easter Sunday." Measuring 28" x 32.5", this applique quilt pattern includes hand-painted face & body photo transferred on 100% cotton fabric as well as full instructions. We suggest using batik & hand-dyed fabrics to obtain the water color effect.
Item : FLP203


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Bounded Table Lamp:
Measurements: 16" W x 28" H
This product is manufactured in compliance with U.S. standards. If product is to be used outside of the U.S., use only with the appropriate outlet adapter and voltage converter for your country. Do not plug into an electrical outlet higher than 110-120V as this could result in fire and/or injury.
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Chips and Crackers
Imported Specialty
Sea Vegetables
Soy Sauces
Use keywords to find the product you are looking for.Advanced Search
Traditional Japanese Foods — Nuclear Radiation Food SafetyJapanese Ocean Currents
This fine Japanese wakame is cultivated in the Naruto Strait between the Shikoku and Awaji Islands. Strong currents and whirlpools strengthen it. Washed, cooked, cut, dried, and ready to use without soaking right out of the bag for miso soup. Soak briefly for salads, it expands 20 times. Quick, versatile, and easy. Wakame is one of the most popular sea vegetables in Japan and the U.S.A. Mild flavor. Fat free and low sodium.
Detailed Description


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Proximity Readers
Samsung EZON SHS-7120 Digital w/ HID Prox Door Lock$702.19
Out of stock
Proximity Card Reader Applications
Readers have the ability to accept two times of proximity cards: passive and active. Passive cards are the most widely used and are powered by radio frequency signals which are picked up by the reader unit. These have a limited range and must be held close to the reader. The most common use of these systems is for access to office buildings, library cards, public transit fares and contactless payment systems. Active cards utilize an internal lithium battery and have an impressive range up to 500-feet. These types of cards are commonly used for vehicle entrance through security gates as well as automated toll collection.
There are many additional applications for the two types of proximity readers and associated cards. First, many hotel chains are switching from the electronic magnetic strip system to a proximity card system. This allows for quicker access to the room, less issues with the magnetic strips and a more secure door. Second, for similar reasons, many homes and businesses are making the switch. Many major companies utilize a proximity card system for security and safety measures to track which employee enter the building at which specific time. Third, with improved capabilities of these cards, many mass transit systems are converting to fare collection without the need to swipe a card. This improves the flow of foot traffic and improves the speed of entrance through turnstiles.
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- December 8-12
Final examinations
- December 13
Commencement begins at 10 a.m. in the Convocation Center.
- January 12
Classes meet as scheduled
- January 19
Martin Luther King, Jr. Holiday
Classes do not meet.
- March 9-13
Spring Break.
News See All
Kinesiology Professor and OT Student Participate in White House Disability Summit
October 6, 2014
OT student Chelsea Lambright and Kinesiology professor, Thomas Moran participated in a summit and research forum focused on improving the health of individuals with disabilities.
13 Students, Four Faculty to Present at Conference
October 15, 2013
In April 2014, 13 current graduate students and four faculty members from the occupational therapy masters program will present research at the American Occupational Therapy Associations (AOTA) 94th Annual Conference & Exposition.
VOTA Awards Scholarships
Fall 2013
Occupational Therapy students Robin Urso and Kyla Saby were each awarded scholarships provided by the Virginia Occupational Therapy Association (VOTA).
Programs Collaborate in Community Outreach
Spring 2013
Students and faculty of James Madison University visited Stone Spring Elementary School to help host the second annual Spring Health and Wellness Fair.
Welcome from Health Sciences
Health is one of the most important disciplines in todays world. Given the current and future global demand for well trained and passionate health professionals, now is an ideal time to study in our department. We urge you to learn about our programs to see where your future ambitions fit. More >


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Bravo 'Newlyweds' Alaska and Kim Dish on Reality TV Instafame
While it was a bit more subdued than usual at Michael's today with some of the glitterati off to Cannes and a few others up in Greenwich watching Prince Harry play polo (our invite must have gotten lost in the mail), the usual mix of editors (Anne Fulenwider, Lucy Danziger) and media moguls (David Zinczenko) were in full power lunch mode celebrating each other's successes and hatching their next big deals.
I was joined today by Kimberly Cherebin and Alaska Gedeon, stars of the new docu-series Newlyweds: The First Year, which premiered May 6 on Bravo. Also in attendance were the network's PR marvels, Jennifer Geisser and Julia Nietsch, as well as the happy couple's manager, Camille White Stern. The show is a hit, having snagged over 1 million viewers for the first episode. With Kimberly stuck in traffic en route from the studio where she was styling Justine Skye's new video, I got a chance to chat with Alaska first. I asked him what in the world would possess anyone to allow cameras to follow them during their entire first year of marriage. He told me he'd been absolutely opposed to doing the show at first, and Kimberly asked him "about six or seven times" before he finally agreed. Looking back on the experience (shooting wrapped earlier this year), Alaska said having the details of your daily life play out for all the world to see "forces you to raise the standard of who you are: how you treat others and especially how you treat your wife." He then added brightly, "It's like a mirror and like therapy." So did he like everything he saw reflected back at him? "I just don't think I'm that big of a jerk," he said with a laugh. (After meeting him, I'm inclined to agree). "My sarcasm doesn't always read well on camera." He also told me that it wasn't until after he viewed the scene where he and Kimberly discussed their bi-coastal marriage that he realized just how "heartbroken" Kimberly was at the prospect of their separation.
When Kimberly arrived, I asked her why she was so enthusiastic about doing the show, and she admitted that she didn't exactly know what she was getting into. "At first, I thought it was one of those David Tutera>-type 'planning your wedding' shows, and I thought that would be fun, but it was nothing like that," she explained. Once she did understand that she and Alaska would be agreeing to 10-hour shooting days over the course of year and be required to use their 'Couples' Cam' on each other to capture intimate moments (not that kind, silly), she remained undaunted. "It seems like when you see marriages on TV you either see these fairy tales or something pretty terrible. We have really 'extreme' careers, and this was a chance to show how you balance it all."


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text: A beautiful set of jazz album cover art from the 50s and 60s – hardcover, in full color, and packed with hundreds of classic images! The title's a reflection of the strong scope of material – work from both the east and west coast scenes, pulled from labels like Prestige, Atlantic, Riverside, Pacific Jazz, and Contemporary – all known for their great sense of cover design – as well as amazing music! In many cases, the covers are grouped together to show thematic elements from a specific designer – and in others, they show the different labels each reflecting the others with some very cool trends for representation. Images are all shot from original copies of LPs – including some UK issues which belie the British origins of the compilers (also known for their famous Blue Note volume) – and the hefty book is 10" square, which will nestle nicely next to your collection of rare early jazz albums! 222 pages, hardcover, in full color. © 1996-2014, Dusty Groove, Inc.


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To match two people together as a couple, usually with a celebrity.
"i totally ship you guys, its perf!"
po fuckmelukebrooks Јун 13, 2013
Photos & Videos
A big ship that shoots at baddies
N: Short for romantic relationship, popularized in fanfiction circles.
V: To endorse a romantic relationship.
V: To endorse a romantic relationship.
N: I see a 'ship developing between Hermione Granger and Ron Weasley.
V: I ship Ron/Hermione
V: I ship Ron/Hermione
po magwana Април 13, 2003
(v.) to support or endorse a romantic paring that is not canon in the work(s) in which they appear. The shipping of couples is often the purpose of many fanfiction stories. Used for characters in anime, manga, video games, tv shows, etc.
Fangirl: I ship EdxRoy!!!!
po koipond Мај 20, 2010
An unrealistic relationship that you love so much but causes you so much pain and misery forcing you to scream "MY FEELS!" while sliding out of your chair because it never comes true even though it's so obvious it should.
Johnlock, Destiel, Drarry
"Drarry is my ship."
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po The Dino Girl Децембар 26, 2012
A Vehicle designed for water transportation.
Thats a big ass ship, I hope those pirates dont come off of it and sink our ship into the sea.
po Rayven Мај 25, 2005
Something that will sail in the morning
King:Enough! My ship sails in the morning! I wonder whats for dinner?
po aemjrgekrbngnbrgkbhezdtg Август 31, 2009
For those who read fics ships is short for realtion:ships:
which ship do you prefer?
po Jenna Јун 18, 2004


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Suntrust Mortgage Loan Modification-FRUSTRATING CIRCUS
Posted by
RICHMOND, VIRGINIA -- I bought the condo in December 2008. I got the $7500.00 tax credit for being a first time homebuyer. Since I bought in 2008, I have to pay the tax credit back to the government. However, People who bought homes in 2009 don't have to pay their tax credit back. unfair!
May 1, 2010, I received a letter from my employer stating they were sending our jobs to India and we were getting laid off June 30, 2010. I immediately called SunTrust to see what my options were if I loose my income. I am single so that was my only income. I ak for a loan modification. SunTrust told me they couldn't help me because I was current on my loan. I am thinking this is wrong. One would think they would want to work with me if I was a good customer and current on my loan. I told them I had excellent cedit and I didn't want to ruin it. I told them I was willing to work with them if they could give me a modification and losing my income should qualify me. They said they couldn't help me unless I was 2 months delinquent on my loan. They told me to send proof I was getting laid off. I faxed the letter 3 times and emailed it once and they kept claiming they never received it. It takes 3-4 weeks to get in their system. REALLY!!!
5/17 Twice
6/7 called 3 times
there were other times I forgot to record because I was getting frustrated.
June 30, 2010 I got laid off. I called SunTrust again and told them I was officially laid off. I lost my only income. I ask if I could get a loan modification. They gave me the same BS answer. They couldn't help me because I was current on my loan. I told them I didn't want to ruin my credit and I was getting to the point I wouldn't be able to afford it anymore. They ask for copies of the layoff letter and monthly bill info. I sent it to them and of course they claimed 3 times they never received it. Finally, after several weeks they got my layoff letter.
But they said they still couldn't help me because I was current. They said even if I was 2 months delinquent on my payments they still couldn't guarantee a loan modification. So I decided to stop paying my mortgage. I finally got their attention. Nov. 15,2010, I received a letter from Erica Hawkins stating if I pay $200.00 in Dec, Jan and Feb I might be considered for a loan modification. and if I had questions to call her at the number on the letter. I had questions so I called and left a message on Erica's voicemail. no response back. I waited 2 days still no response. I called and left 8-9 messages on Erica Hawkins voicemail telling her I had questions about the letter she sent and would she PLEASE call me back. These are the dates I called her.
11/22 left mesaage Erica Hawkins - no response
11/23 left message for Erica - no response
11/26 left message for Erica - no response
11/30 left message for Erica- no response
12/1 left message for Erica - no response.
12/2 called Erica one last time. Got voicemail. By this time it was tooo late to abide by the demands in the letter she sent. So I called the 800 number talked to Leslie. She still was no help. So I told her I was going to put my home up for short sale. Leslie said "OK, I'll send you the paperwork" like she was excited I was losing my home. She didn't even try to talk me out of it or work with me. She said I had 90 days to sell it then I could do a "deed in lui of foreclosure". 12/10 called Erica Hawkins again still no answer I just hung up. To this day she hasn't responded to any of my phone messages. I figured I had til March to complete a short sell but today 2-13-2011 I checked my credit report and SunTrust has on my credit report that they already have a foreclosure in progress. SHOCK! no email, no letter, no phone call to tell me they were going ahead with a foreclosure.
I ask Leslie if I was going to be liable for the difference in the loan a short sale. She said she didn't know it was up to FHA. A person can't seem to get a straight answer from anyone at SunTrust.
I sold all my furniture. I have no health insurance. I am losing my home.
The government really needs to crack down on these mortgage companies and force them to work with people who are willing to work with them. People like me are losing their homes when they don't need to be.
Mortgage Company are forcing people to ruin their credit in order to get a Loan Modification, I felt losing my job could have qualified me from the start with no questions.
Where is the government? What is happening to our economy?
Good job Obama!!!
My job went to India- You were supposed to stop outsourcing to other countries.
The Mortgage Companies are forcing people to ruin their credit and loose their homes and you do NOTHING!
I was a good person with a good job, good credit and owned a home.
Now I am jobless, bad credit and homeless.
GOVERNMENT ...DO SOMETHING for Gods sake before this country ends in a severe depression!
I HAVE NO FAITH IN THE GOVERNMENT ANYMORE!!!!!!!!!!!!!!! Good job.....OBAMA!!
Step in and force these banks to work with the hard working, tax paying citizens of THE UNITED STATES OF AMERICA!!!
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Kurizumaru on 02/14/2011:
Let me start out by saying, I'm sorry you're losing your home. I agree that there needs to be more help for people like you. There are a few things though, did you try to work with another bank to see if they would buy out your mortgage and work with you? Do they have a local office to you? If so, did you try going into it rather than dealing with the phone hassle? Also, I fail to see what your political rant at the end of this has to do with anything. Was Obama the one that actually decided to send your job overseas? I give the guy some credit. He's trying. It's harder than he thought it would be and he's admitted such. I wish you the best of luck in trying to find a new place to live.
nunya on 08/31/2012:
Thr FBI needs to investigate these mortgage brokers and their well trained lying ruthless mortgage underwriters and loan officers that trick innocent people into fraudulent agreements when they know well what they are doing to put " up to 3 points on the front and three points on back of the loan for maximum commission!" They forge documents and tell the innicent home buyer / "ReFI " client another strory when they r literally raping u up the rear and have no conscious about it either. Sick and p
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Suntrust steals and lies
Posted by
CHESTER MD -- To Whom it may concern
Suntrust Bank has now over the course of just 30 days STOLEN over 828.00 of my monies from âoverdraftâ fees. They (Suntrust) have charged my family an atrocious amount of money for 1-3 hours.. YES HOURS⦠of shortage in my account. Some of these transactions were processed at the same time!!!
Suntrust ALSO puts in largest amount charged in so they can receive their âoverdraftâ fees for the numerous small charges increasing the amount of monies the consumer (me and my family) have to pay.
I had an overdraft protection loan which they CANCELLED even though I was never late or overdue on a payment to the loan.
Iâm sorry Iâm not a Rockefellerâ¦
Now ⦠being that I am a retired police officer on disability from an injury sustained on duty⦠receiving only a pittance of retirement each month. I am not able to find employment due to the state of the economy⦠partly due to our banking systems (SUNTRUST). I am struggling to play catch up for this 828.00 in feeâs. Last year Suntrust received 2400.00 in âoverdraftâ feeâs from me. I have pleaded with them to stop cashing and clearing automatic payments to my creditors if the funds were not available - but no- they (Suntrust) wants their 35.00 payments on a 3.30 ATM charge for a little gas to pick my daughter up from school.
Can I also point out that 828.00 is half â¦HALF of my monthly income and I have a daughter to provide for.
Am I ALONE to be responsible for getting Suntrust out of its debt to the government??? ARE YOU??? Why should the consumer be charged these ridiculous feeâs to bail out these banking systems. Why is it always the little people that suffer??? I say put these THIEVES out of business. They will get the idea if everyone leaves⦠I now have 30 people who are going to switch - just my friends and family alone⦠see, there is something to be said about loyalty.
The charges I incurred on 3/22/10 $360.00 and 4/8/10 $ 288.00 were processed within minutes of the funds being available. Some of the 35.00 fees I am being charged for are still PENDING!!!!!!!!!
Now I have bills that will not get paid-Groceries that will not get bought- and more âoverdraftâ fees to come because of the overdraft feeâs â¦. all so some corporate executive can take a million dollar vacation and bonus on my dime.
I have tried talking to suntrust⦠I have tried reasoning⦠negotiating⦠they are unwilling to assist me in any way.
The largest dollar amount goes in first⦠and it doesnât matter that a charge and deposit went in at the same time⦠IM SCREWED.
This is illegal. What IS the interest for less than 1 hour on a $2 charge????
To the honest and respectable Senators and Politician please assist usâ¦. Your people⦠your consumers
To the consumers â¦Please⦠leave suntrust⦠I am ⦠Thieves
Jodie White
Stevensville md
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4.5 Billion In Bailout... Still Not Help Those Who Need It
Posted by
Very Unhappy Client
Back in May of 2008 I was injured on the job. I was on an approved Short Term Disability when my supervisor demanded to return to work regardless of illness. Upon failing to do so I was wrongfully terminated. With the help of my doctors, we filed the claim to the state and were awarded disability, at the cost of my employer.
In December of 2008, we had exhausted every avenue of money. We fell behind on our mortgage account with SunTrust Mortgage. We love our home. We want to raise our family here. I requested several times to help us modify our loan. I was told by your company "We do not make enough money to stay in our home." Even though my husband's income is over 100,000 per year.
Upon winning my case, I began to receive my disability checks. Being on disability is less than 50% of what my income was while I was working. I again requested a loan modification. I was told in order to stop foreclosure we must pay the attorney fees. We therefore immediately sent the $3,000 you requested for payment of attorney fees. The first option your company tried was a repayment plan. Seeing as our over all income has dropped by 30-40%. We could not afford a repayment plan. I requested a loan modification in hopes of SunTrust Mortgage understanding our unique situation. I am still disabled, we have an infant and we are still under a financial hardship. I have called your company everyday since being told we do qualify for a loan modification. I have spoken with Eric, Ms. Johnson, Shawna, and everyone else in that department multiple times to find out the status of the loan modification.
We finally heard back last week in respect to the loan modification. To my surprise, our payments did NOT go down. In fact they have INCREASED! I was expecting a drop in loan payments, considering the drop in interest rates. Robin (Loan Modification Specialist) told us "Well You guys can afford it!!!!" Robin informed me our interest rate will be 7%. I asked why our interest rate can not be reduce she said "It's clear you can afford the higher payment." Is this not a repayment plan? I pleaded with Robin to reduce the interest rate to 5%. The difference in payment is over 1,000/month. I expressed our current income and situation, this still leaves us living paycheck to paycheck. In the event something were to happen to either of our incomes Robin's responded by stating "Well then we will have to start the process all over again." Pardon the sarcasm.... But the first time we went though this YOU WOULD NOT HELP US.!!
Your company on the other hand, has received more than 4.8 BILLION in bail out money. The whole point in our request for a loan modification with Suntrust Mortgage was to work together in a payment plan allowing us to stay in our home. Instead it has resulted with an increase to our monthly finances at a time when our payments truly need to be reduced. Given the current rates is approximately 4 - 5% a loan modification process resulting in a 7% interest rate really seems to be taking advantage of our situation. Is this how you help your customers? By denying them the lowest rate possible? Is this doing what is best for your client instead of your profit? Is this what President Obama had in mind when he gave you money? Honestly, my husband is working as hard as he can. We want to keep our home. We want to raise our family here. However, we can not believe you and your company are willing to keep us under a financial hardship for the sake of your profits! … And this is your answer of help? "You can afford it!"
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Soaring Consumer on 05/05/2009:
What inconsiderate jerks. Is it possible for you to refinance with a different bank/mortgage company?
madconsumer on 05/05/2009:
you should have some 401k somewhere to cash in.
sue em .....
Anonymous on 05/06/2009:
Is it just me or is this indicative of why we as a nation are in a ton of debt poop - I want to live like a rock star! Quick math...30yr a 2% drop = >1k a month in mortgage = million dollar mortgage.
Anonymous on 05/06/2009:
"Is this what President Obama had in mind when he gave you money?" No. He had it in mind to use taxpayer money to grease campaign donations from the banking/lending industry to buy advertising to convince shlepps who can't afford their homes to vote for him and his kind.
Anonymous on 05/06/2009:
As soon as Sun Trust heard the word disability, I believe your fate was sealed.
RestaurantGuy on 05/06/2009:
It sounds to me like you have a adjustable rate mortgage. In my experience arm's never go down in interest rates. They just go higher. See if you can refinance to a 30 year fixed rate. Right now they are at some of the lowest levels in history and that will save you around 2.5% in interest
BokiBean on 05/06/2009:
I'm trying to get all worked up over a consumer on disability who can't keep her 700K house...but failing miserably.
Anonymous on 05/06/2009:
Nobody is going to offer terms on a $700K home to folks earning just over $100K pre-tax. It is sad that they're going to lose their home. That they are a bit better off than the average foreclosure, doesn't lessen the sting. It's odd with a wrongful termination d/t disability that there wasn't a civil action to make up the 50% shortfall in income. Most lawyers would jump on that on a contingency.
Jackle on 04/28/2012:
Interest rates are based on your credit score. If you were behind on your mortgage than your credit took a hit. You should be thankful that they could even help you to begin with. As far as the bail out, read up a little on what each bank did with their money. Suntrust was the first to pay back the debt, and they used their funds to buy out smaller banks that were going under. They don't owe you a favor for their bail out. How do you think banks got in the situation they were in? By lending people like you a $700k loan!
Waldo on 07/11/2012:
You can thank Warren Buffet for that he lives to squeeze peoples balls off- his view you signed up you fu - he who says he would pay more taxes - like the Gov of NJ told him shut up and write a check - He is the problem - there is no Philanthropy in Warren Buffet
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Beware of Suntrust Mortgage
Posted by
RICHMOND, VIRGINIA -- If you ever fall on hard times or have a financial hardship, Suntrust is unwilling to work with you at all! I was going through a divorce and fell behind on my mortgage (by about 2 months). I almost immediately started getting letters regarding foreclosure proceedings from them. I called them to do a loan modification or try to work out some sort of payment arrangement. They said there was nothing they could do. As a result to save my home, and to have some stability for me and my daughter, I filed Chp 13 bankruptcy (in May 2008) in order to stay in the house. I'm having so much trouble to this day getting discharged from the bankruptcy because they keep saying I owe them more money (anything from arrears to late fees or whatever). I have a 1st and 2nd mortgage with them. Suntrust claims somewhere in 2010 or so my mortgage payment(s) went up. Instead of them notifying the trustee (since that's who they're receiving payment from) of the increase at the time, they said nothing.
Once it came up about my case getting discharged or near completion, they proceeded to bring up all the money they claim I owe from the years prior. I was infuriated! As a result of this, they claimed there was a problem with the 2nd mortgage. I finally got that cleared up (which took months), now they're saying there's an issue with the 1st mortgage. The Chp 13 plan is supposed to last 5 years, but I'm entering 6 years now thanks to Suntrust. What adds salt to a already painful wound is I always paid them on time prior to my divorce situation. They don't consider anything about your circumstances or your previous good paying history. They're greedy and just want more money! DO NOT deal with Suntrust Mortgage! Never shall I recommend them to anyone and will do my best to refinance when I can.
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Obfuscation on 03/11/2014:
This is a tough situation. Have you considered the hard fact that you may no longer be able to afford to stay in this house? If you are already two payments behind, it doesn't seem likely that a modification is going to save you.
They're not greedy, and they don't want MORE money, what they want is the money you promised to pay them back when they lent it to you.
If you can get a good adviser, ask them to run the numbers and see what you possibilities are. Waiting is not likely to improve the situation.
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Posted by
ATLANTA, GEORGIA -- I financed a truck with sun trust in 2009 and was laid off from my job not long after that. After exhausting all my savings, retirement and all other monies I could come up with, I found myself unable to make my payments. After trying several times over a two-month period I worked out a re-payment plan with them. I was one day late on my first re-payment because a check I was expecting did not arrive in the mail on time. The next day my check came in and I call sun trust to let them know that I was on the way to a branch to make a payment, they informed me that my truck was already up for Re-possession and no way to stop it. I proceeded to take my truck to a local Sun trust branch and turn it in to them. I know that people should make their payments but in some cases its unavoidable. After the truck was gone I quickly had to close a business I was trying to start. Since then, the truck was sold and as you might expect they billed me for the deficiency, over $9000.00 If I had that kind of money I would have made my payments. Not long after that they hired a slime ball attorney to harass us and now trying to get a judgment so they can garnish my bank accounts. I think they are the lowest of the low to take what little I have left when I can barely feed my family. They have never tried to work out a settlement with me its all or we will destroy you financially. If they succeed in a bank garnishment we will lose our home. After three years of financial hardship it would take anyone a long time to recover, now a lawsuit will destroy us financially. THANKS SUNTRUST!!!!!!!!!!!!
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CowboyFan on 08/08/2012:
They did work out a settlement agreement when you still had the truck, and you were late with your FIRST repayment. Why would they trust you to make any settlement payments now?
It is unfortunate the situation that you find yourself in, but it may be advisable to speak with a financial advisor about how to work your way out of this, or the need to file bankruptcy. Good luck.
Dazed and confused on 08/11/2012:
Itâs easy to set back and judge someone before you completely understand their situation. Sun Trust is an overly aggressive debt collector and they should be boycotted or some ways to send them a message that people arenât going to take their crap any more. If you read the post carefully you will see that after his truck was reposed they would not work with him. DON'T JUDGE PEOPLE THAT ARE DOWN SHAME ON YOU!!!!!!!!
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Suntrust Auto Loan Department A Joke
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TAMPA, FLORIDA -- I have had an auto loan with Suntrust, who I also bank with. I have to say my banking experience has been great but the auto loan has been a nightmare.
After a year of pristine payment history, we hit a rough spot and needed to make a payment arrangement. We were granted a pass on our next payment which would be applied to the end of our loan. We thought all was well until we started to get collection calls saying our payment was past due. We explained several times that we had an arrangement and jumped through hoop after hoop to ensure the payment arrangement was recorded and processed, each time being assured it was taken care of. This went on for three months which in the mean time we incurred late fees on this payment that was "late", and late fees on subsequent months because when we would pay the following month, they applied it to the previous month due to their records still showing us as behind.
It took months to get this all rectified and I am not so sure that it hasn't hurt my credit rating. It was a nightmare. We were lied to by representatives on the phone who said they were taking a payment by phone and didn't do anything, leaving us without a clue that no payment was made until we got collection calls. I've processed payments on line that don't go through despite the fact that they appear to, and I don't know it until the next month when I get a late fee and show that I owe two months.
I'm at a point where I'm ready to let the car go back in order not to have to deal with this company. They make it difficult to make payments and the representatives lie and deceive you just to get you off the phone. I would not recommend using Suntrust for any loan services!
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Horrible Customer Service
Posted by
RICHMOND, VIRGINIA -- Absolutely horrible customer service if you're not an account holder. I am NOT an account holder at SunTrust, but went by the branch at 1801 W. Broad Street Richmond VA 23220 to cash a check drawn on a SunTrust business checking account. After presenting my endorsed check and ID and speaking with two different tellers via CCTV in the drive-through lane, I was told that I must come inside to cash the check, even though there were no cars/customers in either drive through line except for me. Treat someone like a criminal and you can be sure they will never do business with you. I absolutely hate this bank and will never, ever have a mortgage, checking, savings or car loan with SunTrust.
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clutzycook on 12/17/2013:
You don't have an account with them. They don't know you. For all they know it could be a fraudulent check. Why not take it to your own bank?
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Suntrust - Stealing Money From Accounts
Posted on
DULUTH, GEORGIA -- Suntrust is guilty of 'transaction ordering', meaning the bank is moving transactions to cause an overdraft condition and charge $36 for every debit that they can get away with.
Suntrust is relying on ignorant and lazy customers who do not care about $36 and customers who are not watching their accounts closely and even if you are watching the account you can see the bank move the transactions and then ROB YOU!
What else needs to be said? All banks and credit unions are guilty of this crime.
We have to put an end to it!
The banks make it sound as if they are doing us a favor - "you have opt in to overdraft protection or you won't get it" this is an offer to steal our money!
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cmthru on 09/13/2013:
Somebody correct me if I am wrong, but wasn't there a ruling earlier this year or was it last year, that requires financial institutions to process debits and credit in the order they were received? That ruling was to prevent the reordering of debits to prevent the forced overdrafts.
CU on 09/13/2013:
They bear no guilt. When you opened the account, they gave you a document spelling out how they post transactions. It is required by law, and you signed that you received it.
If one doesn't spend more than they have in the account, the bank can post transactions in any old manner they like, and it still won't make a bit of difference to the customer.
If someone doesn't want to keep track of their balance, the trade-off is to pay overdraft fees.
CU on 09/14/2013:
Cm... You may consider yourself corrected. There is no such law.
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Sun Trust Ripoff
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When I got a mortgage with Sun Trust they opened an account in my name and deposited $100 in it. Some months ago they started charging me a fee every month for the account, even though I have never used it. In order to avoid a situation where I would end up owing them money, I called to ask them to close the account. It had only a $2 balance at this point.
I was told I would either have to go to the Sun trust office in person (during office hours when I work -- thus requiring me to take time off from work) or to send a letter asking to close the account. However, if I sent a letter I would be charged another fee.
After having to insist on talking to a supervisor, I was told they would change the type of account to one that does not charge a fee and that I could send a letter to close the account. However, the fee to be charged would then be the total balance of the account.
After all the hassle of dealing with this I did not care if they charged me $2, but I felt this whole system was rather a deceptive one and should be stopped. What if I hadn't noticed this until I got into a negative balance with them? This would hurt my credit record, not to mention giving them endless fee income. When you first get the account it looks like a benefit, but you end up paying them and potentially falling in debt to them due to the fees they charge.
This deceptive practice by Sun Trust-- whereby they open accounts when a person gets a mortgage and then charge monthly fees to that account-- needs to be stopped. At least the fees they charge should never be allowed to be greater than the amount of the account they originally open.
In addition, Sun Trust should be required to provide better information to consumers on this deceptive practice.
I know it won't happen but the best solution would be to fine them and require them to reimburse the fees to everyone they have done this to.
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Outraged!!!... banks are making profits off consumers
Posted by
CONYERS, GEORGIA -- This bank is awful when it comes to overdraft fees. When I checked my account I noticed it was going to overdraw due to the lacking of $40. I went and deposited the money around 6 P.M. Of course the next day I had a substantial amount of overdraft fees. Things that had been accounted for was no longer covered. When I notified them they said that they pay the largest amount first as with any bank. My response was this is my money and whatever I have coming out take it out at the time that I pay it. The representative said it does not work that way and there was nothing she could do. I spoke to the manager and got the same response. I have direct deposit at this bank and my paycheck was due to go in the following Friday. I was charged an extra $35 for extended overdraft fees. Mind you all the other things I had been paid so on that day they decided to put everything through that particular day. The manager said I was too late in depositing the $40 and you need to deposit by 12noon. First of all people work and this is unrealistic to get your banking done by 12noon. I was outraged and got nowhere with them. They got my paycheck for $274 dollars for $40 dollars. I am now taking my money out and doing away with a bank. I still need the bank to pay bills as most bills have gone over to paying by bank account but once I get paid I'm withdrawing everything out except the bill money. Come on I thought that's what debit was for and we did away with check writing because they took too long to clear. I am very upset with this matter at this bank and all banks across the board. The government need to step in and help the consumers from this type of behavior.
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MSCANTBEWRONG on 09/24/2009:
If you had the funds to cover the checks that you wrote it shouldn't make a difference in what order the debits were deducted.
Anonymous on 09/24/2009:
No matter what bank you go to, there will be cut off times. Make sure you read the paperwork that comes with opening the account so you will be aware of it this time. Next account you open somewhere, ask how they do their deposits.
Even though you're using a debit card, you have to be aware of how you use it. If you use it as debit (I.e. you punch your pin code in) it *should* post the next business day. If you use it as credit (you DON'T punch your pin code in), it takes 2-4 days to post. It's also a good idea to find a way to keep track of your account without just solely relying on online banking.
Anonymous on 09/24/2009:
This is like teaching a 3 year old Trigometry.
*banging my head agaist the wall*
jktshff1 on 09/24/2009:
They are in the business of making money for their stockholders. Nothing wrong with that.
Anonymous on 09/24/2009:
You got it JKT.
Some people shouldn't have kids and some people shouldn't have checking accounts.
jktshff1 on 09/24/2009:
Or both
Anonymous on 09/24/2009:
There you go.
Eloise on 09/24/2009:
I think we should keep a standard reply ready for this type of complaint. It's never ending that's for sure!
Anonymous on 09/24/2009:
How are they supposed to make a profit? You however allow them to make inflated profits at your expense. THEY ARE NOT GOING TO DO YOU A FAVOR AND PROCESS YOUR DEPOSIT FIRST IF THEY CAN GET OVERDRAFTS OFF OF YOU!
MaggieMcT on 09/24/2009:
Eloise -- maybe we could write one and post it on google docs, and the first one to see the complaint just copies the response here.
Eloise on 09/24/2009:
Maggie, Great idea! Maybe we can assign each member 1 day a month to handle the 'I can't believe I overdrafted' reviews.
bcd on 09/24/2009:
Every time I write a check the bank withdraws the money from my account. Those darn banks!
MaggieMcT on 09/24/2009:
Perfect, Eloise! Can I have the 23rd, so I can have a month off? ;-)
Fufu487 on 09/25/2009:
Maggie, Eloise, I'm in!!! sign me up!!
OP, really? You're surprised the banks are making profit off of the consumers that use their services?? Wow, what time is hell scheduled to freeze over???
Eloise on 09/25/2009:
Fufu & Maggie, it does seem that we are all writin the same thing. It would be easier to post one comment and then ignore the thread for then on. It so hard for me to understand how the OP thought the bank is a nonprofit organization. People should have to take a test when they open their account. That way the bank knows that the OP understands the ins and outs of his/her account.
Anonymous on 09/25/2009:
What about me, Eloise?
MaggieMcT on 09/25/2009:
Let's do that from now on. The first person who sees the complaint responds with the usual, the rest of us shake our heads and move on.
Anonymous on 09/25/2009:
*sniff sniff* I see how it is, my comments aren't only ignored by the OP, but my fellow mc3ers as well.
*goes off to cry in a corner*
Eloise on 09/25/2009:
Shame on me for not remebering you, BKK. You always have such great advice in this type of matter. Maybe you could draft the comment.
MaggieMcT on 09/25/2009:
No, no, bkk!!! I was typing my comment while yours came in! I didn't see yours until AFTER I had posted!! don't cry!!
(is that enough exclamation marks?!!!)
Anonymous on 09/25/2009:
*dries her tears*
I should draft like 3 different responses and then decide which one is more appropriate for whenever there's another OD complaint.
niquemoe on 09/25/2009:
this is why the banks get away with things like this because people just accept it and go along with the flow not having minds of their own and thinking the banks are right. Most of these people are very narrow minded and play follow the leader.
bcd on 09/25/2009:
"Most of these people are very narrow minded and play follow the leader."
No niquemoe, it's not follow the leader. It's follow the rules, which you failed to do.
PepperElf on 09/25/2009:
yeah. sucks when you realize the rules apply to you too
Eloise on 09/25/2009:
I've got two words for the OP, Personal Accountability!
Anonymous on 09/25/2009:
Niquemoe, what part of the concept of having to have money in the account BEFORE you spend it do you not understand? We can try and explain it to you, although I'm pretty sure it's a waste of keystrokes.
niquemoe on 09/26/2009:
if you had understood what I wrote I had the money in their. I realized it was going to be overdrawn and went and put the $40 in their.I was just to late because it had to be deposited by 12 noon. This is unrealistic like I said. Some people are like that kind of control over them. Most idiots only see things one way. Moving forward check the laws most of these things overdraft fees are not even supposed to be happening. Instead of going with the flow research things on your own.
fionaflyby21 on 09/26/2009:
PepperElf and Eloise have a thing for each other. They purposely piggyback each other's comments to strengthen their case ALWAYS in favor of the company and not the consumer. Don't take their comments to heart
Eloise on 09/26/2009:
Pep, it took fiona's comments to realize that I do have a thing for you. In fact I am in love with you. Please tell me you feel the same. LOL!!!!
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Murdock Hyundai had a bottom-line goal for its top initiative of 2012: boost sales by upgrading its technology. With the help of technology provider RyanTech, the dealership adopted the Microsoft Office 365 and Windows Intune cloud-based services,
plus Windows phones and other Microsoft technologies. Murdock Hyundai salespeople now spend half the time on email that they did before, redirecting the 30 minutes they save each day to increased time with customers and training from Hyundai. They respond
200 percent faster to customer inquiries from the dealership's website than they could before. And the dealership reduced its PC replacement costs by half. Murdock Hyundai increased sales by 35 percent in the first quarter of 2012 and attributes one-third
of the gain to its use of Microsoft technologies. It expects those technologies to add at least $3 million toward its annual sales growth.
Consider Murdock Hyundai, which owns and operates three Hyundai auto dealership locations in Utah. For K. Blake Murdock, General Manager of the dealership, selling cars now means embracing the web. Murdock Hyundai shifted half of its advertising budget from
newspapers and television to online media, which increased its sales. It advertises its discounts online and offers those discounts to every customer who comes into the dealership. And it adopted Internet and other technologies to boost sales. By 2011, however,
it was clear to Murdock and his colleagues that increased competition required them to continue these efforts, rather than be satisfied with past successes.
Customer inquiries from the dealership's website come via the email system, making that system essential to Murdock's success. But the dealership relied on an unreliable Linux email system that was more problem than solution, according to Murdock. Calendar
notices were incompatible with the mobile phones that salespeople used, making it difficult to make and keep appointments with customers. Spam filled inboxes and legitimate email frequently ended up in junk folders. Outages were common. Customer email could
show up in a salesperson's inbox two days after the customer had purchased a car from a competitor.
The unprecedented immediacy of the Internet made it crucial for Murdock Hyundai to be able to post and update discounts and special offers as quickly as possible; any delay could throw a customer's business to a competitor. But it could take several days
for the dealership to work with its website vendor to make relatively simple changes.
The dealership's PCs were also hindering productivity. The 70 PCs spread across the three locations were relatively new—Murdock Hyundai replaced them on two-year cycles—but they were littered with spyware and viruses that slowed them down and sometimes stopped
them entirely. At any one time, several computers were at an IT support vendor to clear the offending software.
"At the end of 2011, our executive team made a decision," says Murdock. "Solving the technology concerns would have the greatest impact on sales of any single effort we could undertake, so it would be our leading initiative for 2012."
RyanTech's first opportunity to impress Murdock Hyundai came with its approach to those sluggish PCs. The technology provider used Windows Intune, a cloud-based subscription service for PC management, endpoint protection, and automatic Windows updates. It
installed the Windows Intune client software and ran reports to identify factors on each PC, including unauthorized software, available disk space, and memory utilization. In one day, RyanTech used Windows Intune to remotely remove the viruses and malware,
install updates, and restart the computers. It added policies for passwords, software installation, backup, and hard disk optimization.
The Pressing Issue of Email
With the PCs now functioning optimally, RyanTech and Murdock Hyundai were ready to resolve the dealership's email problems. Murdock liked the idea of an outsourced service that mooted the need for on-premise email servers and that made email available through
any Internet connection, but he didn't want to replicate the poor performance of the Linux-based vendor. RyanTech recommended Microsoft Office 365, a set of collaboration and productivity tools delivered as a cloud service that brings together Microsoft Office,
SharePoint Online, Exchange Online, and Lync Online.
Based on the initial success with Microsoft services, Murdock agreed. RyanTech used Microsoft-provided migration tools to move 130 email accounts, including mailboxes and messages, to Office 365 over a single day. It did so without any downtime for communication,
an important consideration given that customers were responding via email to the dealership's web promotions throughout the migration. "When we woke up the next morning, we had this amazing email system that worked," says Murdock.
Murdock abandoned his iPhone for a Samsung Focus S Windows Phone. He now creates and sends Microsoft Excel spreadsheets and Microsoft Word documents along with his email messages, and he cites the faster performance, greater battery life, and larger screen
size of the phone as additional benefits.
A Solution for the Phone System
To address the reliability issues with the phone system, RyanTech and Murdock Hyundai replaced it with a VoIP system from 3CX, another Microsoft Partner Network member. They paired the private branch exchange (PBX) software, based on the Microsoft .NET Framework,
with programmable handsets from Yealink (and covered most of the cost of the handsets by selling the previous phone equipment on eBay).
RyanTech and Murdock Hyundai also replaced the firewall and switches, maximizing Internet speeds and increasing phone reliability by a factor of 10. They programmed the phones so that a call to any one of the dealership's three locations is answered by a
receptionist at either of the other locations if necessary. Sales calls can be forwarded to the salesperson's mobile phone for immediate response. Inbound Internet sales calls are routed to available personnel for the same reason. Call tracking and other information
from the VoIP system flows into the dealership's RyanTech-provided customer relationship management system.
New Workflow for the Web
To make it faster and easier for the dealership to post and update discounts and other special offers, the companies created a workflow process that helps to ensure that updated information from Murdock Hyundai is provided accurately, quickly, and automatically
to RyanTech. To do so, they used Microsoft InfoPath information-gathering software and the Microsoft SharePoint Online service included in Office 365.
"Our sales managers simply answer a few questions on our SharePoint site and the specials get produced by RyanTech," says Murdock. "We don't have to understand web programming. We thought we were only adopting Office 365 for email, but we immediately found
additional ways to take advantage of it."
Getting Closer to "The Dealership of the Future"
Murdock Hyundai intends to adopt Windows 8 slates to revolutionize the sales and service process for customers. Murdock envisions salespeople using Windows 8 slates—tablets running the Windows 8 operating system—on the lot with customers, to make on-the-spot
vehicle presentations, product comparisons, and trade-in appraisals—and then to dock the slates back in the showroom to enter order and financing information.
Murdock says the use of Windows slates could help reduce the time that a customer takes to buy a car by 30 percent, saving customers and salespeople 40 minutes or more per sale. Service personnel could use the Windows slates, too, to facilitate multipoint
vehicle inspections.
For Murdock, Microsoft technology is essential to his long-term goal. "We want a completely paperless sales process, and an innovative dealership of the future," he says. "Microsoft and RyanTech are helping us to get there."
Increases Sales Revenues by 10 Percent
Murdock Hyundai launched its technology initiative as the single most important action it could take to increase revenues. The dealership achieved this goal in fewer than three months.
"With Office 365 and the other Microsoft technologies, we've boosted sales by at least 10 percent," Murdock says. "We use them to provide a higher level of customer service. We respond to customer queries from our website much faster—and the dealer who gets
back to the customer first has a big edge in making the sale."
Murdock says the dealership is on track to see total revenues rise by $10 million for the year. He attributes at least $3 million of that sales increase to the dealership's use of the Microsoft technologies.
Spends 50 Percent Less Time on Email
Much of the increased revenue comes from greater productivity. By using Office 365, for example, Murdock and the salespeople spend half as much time as they formerly spent on email—saving 15 minutes a day for Murdock and 30 minutes a day for each salesperson.
With a sales staff of 45, the time savings gives Murdock Hyundai the equivalent of another half-time salesperson.
More than just saving time, the dealership uses Office 365 and the other technologies to change the way it works. By using his Windows phone to access email, receive meeting notifications, update his calendar, and create and send documents to the sales staff,
Murdock spends more time on the lot with his sales staff and less time at his desk.
"It used to be that time I spent checking email was time I wasn't out 'working,' and time I was out in the showroom or on the lot was time I was falling further behind on email," says Murdock. "I was always worrying about what I was missing. With Office
365 and my Windows phone, I don't miss anything. I'm on top of email. I schedule meetings on shorter notice. I act on new sales data and engage my sales staff more quickly—and from wherever I am. This has really increased my productivity—and my quality of
The dealership sees greater productivity from other technology gains, too. For example, phone service outages have stopped, PCs are no longer routinely out of service, and email outages are a thing of the past.
The time to post changes to the website has declined "dramatically," according to Murdock, with great results: "The other day we put a new offer on the website and immediately sold three cars," he says. "If it had taken us days to post that offer and a competitor
had beaten us to it, we wouldn't have seen those sales."
Responds to Customers 200 Percent Faster
Improved customer service is the other key contributor to increased revenues, and Murdock attributes much of this gain to the dealership's use of Microsoft technologies, too. For example, it used to take 30 minutes for the dealership to respond to email inquiries
from customers; now, the response time is down to just 10 minutes. Customer inquiries are no longer misdirected to junk folders, and their phone calls are no longer dropped by the phone system. Customers hear a live receptionist or other staff person whenever
they call during business hours, rather than a voice-mail system.
"Microsoft technologies are helping us to drive customer service and satisfaction, and that's reflected in our higher sales results," says Murdock.
Reduces PC Replacement Costs by 50 Percent
Murdock Hyundai uses Microsoft technologies not only to boost revenues but also to reduce expenses. For example, the dealership recently relocated its flagship showroom to another site. It would likely have replaced 30 PCs during that transition—but because
it used Windows Intune to manage and update those PCs, they operated as well as they had when they were new. No replacements were needed.
"With Windows Intune, I anticipate that we can double the length of time that we keep our PCs," says Murdock. "That means we can cut our PC replacement budget in half."
The dealership didn't pay a licensing fee for its old Linux-based email; it pays a modest subscription fee for Office 365. Is it worth it? "Office 365 more than paid for itself with our first additional sale," says Murdock. "Don't tell Microsoft this, but
I wouldn't hesitate to pay twice as much for what we're getting."
Office 365 helps save time and money, and it frees up valued resources. Simple to use and easy to administer, it is financially backed by a service level agreement guaranteeing 99 percent reliability. Office
365 features robust security, IT-level phone support, geo-redundancy, disaster recovery, and the business-class privacy controls and standards that you expect from a world-class service provider.
For more information about Microsoft Office 365, go to:
For more information about RyanTech, visit the website at:
For more information about Murdock Hyundai, call (801) 262-6401 or visit the website at:
Murdock Hyundai operates three automotive dealerships in Utah—in Orem, Logan, and Salt Lake City. It is part of the Murdock Auto Group, founded in 1982.
Murdock Hyundai saw problems with its email, phone system, website, and PCs that hindered sales. It made a technology upgrade its prime initiative for 2012.
With the help of solution provider RyanTech, the dealership adopted Microsoft Office 365, Windows Intune, Windows phones, and a phone system based on the Microsoft .NET Framework.


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The Staybridge Suites® Austin Arboretum hotel offers convenient access to Mopac and downtown Austin, as well as an appealing environment set apart from the city bustle. Our hotel serves as your home on the road with complimentary guest amenities that matter the most for business and leisure during short term and extended stay travel.
Business travelers find our hotel near IBM, Hewlett-Packard, Cisco and National Instruments, a
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Business travelers find our hotel near IBM, Hewlett-Packard, Cisco and National Instruments, a satisfying choice among hotels. We offer free Wi-Fi and a 24-hr Business Center so you can stay connected to the office while being productive during travel. After work, meet and mingle with guests at The Social every Tuesday through Thursday evening with complimentary drinks and light appetizers.
Visit downtown Austin during your stay and enjoy local favorites. The Arboretum and Domain shopping malls are perfect for grabbing souvenirs and the nearby Lake Travis offers a scenic getaway.
No matter the reason for your travel, you'll enjoy the home-like comfort at this hotel. With a free daily breakfast, free laundry facilities, suites with more space, a patio and an outdoor pool, guests are sure to have a better stay at Staybridge Suites Austin Arboretum.
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