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Unable to redeem points for promised rewards
Posted by
WILMINGTON, DELAWARE -- I receive an offer in the mail monthly from Carnival for their fun points card - I used to get the offers for the sea miles one. Since I book carnival cruises, I finally took them up on their offer, lured in by the promise of bonus points and a way to get onboard credit, gifts on board the ship, or even a free cruise. I now have an account with them, and nearly 11,000 points but am unable to redeem them for anything. After numerous calls to some of the worst customer service reps I have ever dealt with, I got a call back from a supervisor who said they have a glitch in their system that is affecting many customers, and I can't redeem my points because of this. Also, they are unable to override the system to do it for me. They have "escalated the problem" to their techs, are working on it, don't know when it will be fixed, but to keep checking back. This is nonsense. If they wanted to fix the problem (if it weren't to their advantage) they could, and according to the terms of the contract we entered into - they must. I can't tell them sorry, can't pay you because my checking account has a glitch - keep checking back and eventually you will get your money. You can bet there would be a consequence for me, but no consequence for them in not holding up their end of the deal. Skip this card, this company ought to be hit with a class action suit. This is fraud, or bait and switch. If you are experiencing the same thing, please file a complaint with your state's attorney general. You can file a complaint online, it is quick, free, and a way to fight back without going to the expense of hiring your own attorney.
Resolution Update 03/07/2010:
After filing the complaint with the AGs office, I was contacted by someone at Barclays who offered to help me redeem my points on the spot. I missed the call & by the time I called back it was after hours. However, as she assured, by the next day I was able to redeem the points online. As it was exactly the 15 days required to redeem for onboard credit, I went through customer service to make sure I had not missed the deadline. This time got a wonderfully helpful & positive phone rep, who even helped me find a way to redeem more for fewer points.
I still think this situation was unacceptable and never should have happened, and doubt it is fixed for all customers - it has been a situation where some are able to redeem & some inexplicably aren't. If you are having problems, I would say kick up a big fuss like I did if you aren't willing to wait it out for the unforeseeable future.
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Unfair, dishonest and conniving!
Posted by
P. P. BOX 13337 -- There apparently are no rules, or laws to protect innocent consumers against unscruplous, dischonesm, and conniving credit card companies!
I have been a customer of Juniper Credit Card for approximately 2 years, and have had nothing but glowing thoughts about them. While I did not use the card much, nevertheless, the experience was pleasant enough!\
Starting in September, I learned that my September payment had been returned unpaid because of an "invalid account number." Bear in mind that I had authorized my payments to be made automatically from my checking account. I set the information up on my computer so that this could happen every month, and all I had to do each month was submit the withdrawal date and the amount to be paid. Everything else was automatically done, as it is with other banks that I have the same set-up. When I called Juniper to find out what happened, the young lady that originally took the call had a very difficut time telling me about the "invalid account" as if she herself did not understand what it was all about. In fact, she did not fully understand what was going on.
At any rate, I thought that we had this straight, but the more I thought about it, the more it did not make sense. I did not alter my checking account number, nothing different had happened by me to that number, and the more I though about it, the angrier I got. Now, I'm sparing some of the details (believe it or not) about this incident, in the interest of time, but can supply all of this to anyone that is interested.
This month, when I received my statement from Juniper, they informed me that my interest rate had been raised from 8% to 27% because of a late payment. (reference: "invalid account number")
I telephoned my bank to seeif they knew what had happened, and they advised me that once I set this up on the computer, all they do is pay what is presented. They don't alter accounts in any way, they have nothing to do with that other than to honor the payment, So, I called Juniper back, and questioned them how my bank account was "invalid" because I did nothing to change it, the bank did nothing to change it, so how did this happen? In fact, according no one but Juniper Credit Card did anything to change my checking account number other than Juniper itself. There would have absolutely no reason for me to change it. Furthermore, I authorized them at the time to go ahead and deduct the payment over the phone at the time I when I found out about the error. They did not ask for my checking account number, but accepted the information for the payment, and successfully deducted it from my checking account! This didn't click with me until I got this notice that my interest rate had been raised to this ungodly rate because of the "invalid account number. I know that this is all too confusing, it confused me to no end until I figured out what they are trying to do to me, and probably many others! They have had and still do have access to my checking account, and in fact successfully deducted the November paynent on November 3d.
One of the "snotty programmed counsellers" finally offered to reduce my interest rate from the 27% figure to 24% and when I was still arguing with her about this whole incident, she reniged on the 24% rate because, I suppose, of my obstinance!
These people are dangerous, they are connivers, they are liars, and watch out! I am not done with this, because this is not right, and they know it. However, as long as they are able to get away with it, it is not going to stop! All I have to do is figure out how I'm going to handle it, such as suing them, and anyone else that wants to join me in any kind of action, I will be more than interested. WATCH OUT FOR JUNIPER CREDIT CARD! These are bad, bad people~
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JR in Orlando on 11/05/2009:
Did you pay the bill when you received it? The problem is too many people set up the automatic bill pay for the last, or almost last, day when it due. If you set it up 2 weeks before or so, you could respond.
A friend of mine set up his bill pay and made a one digit error in the routing number on one month. The payment was not made, a late fee was incurred.
tnchuck100 on 11/05/2009:
ifrecracker, I would strongly recommend closing this account and changing banks. The reason you need to change banks is that many times they will link any future debits that come in on the old account to the new one. The only way to guarantee this does not happen is to change banks. NEVER give any company direct access to your checking account. Pay via your banks website is fine. You always control when and how much.
melisa on 11/21/2009:
JR Does not comment if this was Juniper and if the interest went through the roof. Most of us can accept a simple late fee.
It's the interest rate skyrocketing over a mistake that is likely theirs. If they are scheduled to take a payment on a certain day and don't take it, its their fault and the consumer should not be over penalized for that.
Apparently, this is Juniper's specialty.
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Two cents
Posted by
WILMINGTON, DELAWARE -- Here is the complaint I am sending to the CEO Juniper Bank.
Dear xxxx:
I am a former customer of Juniper Bank. Let me explain how I became a former customer. It started with a finance charge putting me two cents over the limit. Two cents resulted in a $39 overlimit fee. I understand terms and conditions. Your representatives were kind enough to explain due to my terms and conditions that I could be charged $39 for even one penny. Their lack of empathy or consideration for what amounts to an exorbitant fee amount (considering the infraction of two cents) resulted in my becoming a former customer of yours at that point. I doubled my payment to do what I could to bring my account back below the limit and then I was assessed the penalty or default rate which caused my account to go two dollars over the limit when the finance charges were assessed. Two dollars resulted in a $39 overlimit fee. Once again, I understand terms and conditions. What I don't understand is how $2.02 should cost me $78 and that somehow my frustration over this wasn't even acknowledged or dignified. Please help me understand how a business, which should be in the business of customers would not make at least an effort to meet a customer half way, as a courtesy.
I am not a rich woman Mr. xxxx, but I do pay my bills. In spite of the hardship the fees have created, I am, once again, attempting to bring my account back under the limit and get back on track. So I scheduled a payment on 7/18/2009 to be drafted from my account on 7/31/2009. The irony of the date of 7/31/2009 is not only is it my payday, but it happens to be the date my Juniper Bank payment is due. Good customer right?
So help me understand this, Mr. xxxxx: Your company has called me now three times this week. Please take note that today is Wednesday, so that means I have received a courtesy call on Monday night, Tuesday night and now tonight, to remind me that my payment is due on Friday July 31, 2009. I am not stupid. I am insulted by the collection attempts when I am not past due and I have a payment scheduled in your system! So last night I was reassured I would be removed from the list to be called. As you can tell this did not happen because I received yet another courtesy call tonight. I even spoke to xxxx agent xxxx in collections tonight after having him tell me when my payment was due and asking if he saw the payment scheduled and even noted the account. He of course drew my attention to my account being over the limit. Once again, I am not stupid by any means and I am sorely aware of the status of my account. Considering the interactions I've had with your customer service agents, I would think there would be some notations on my account indicating prior conversations, which would include the hardship the outrageous fee amounts created for me and my family.
I am not asking for a handout and I am keenly aware of how my actions have put me in the position I am currently in. What I was asking for was some assistance. Some courtesy. And in the very least my dignity left intact.
I am a former customer because these things have not happened. Here's another thing to consider Mr. xxxx. In a time when credit card companies are under serious scrutiny for the practices that include charging outlandish fees for small offenses to the terms and conditions of an account ($2.02=$78??), this makes me one more consumer that will tell every single person that will hear me loud and clear about my experience with your company. I will be forwarding my letter and complaint on to the OCC and the FTC as well regarding the unfair excess charging of fees in relation to the offense. In addition I will be documenting the courtesy calls that I am receiving prior to the bill being due with an on time payment scheduled in a system that your representatives can see quite easily. And in spite of my best efforts, I can guarantee my phone will ring tomorrow, politely reminding me of my upcoming payment due, regardless of the notes that have been placed on my account to prevent this from happening.
I look forward to hearing from you quite soon. I will be issuing my complaints no later than the end of August.
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skelly39 on 07/30/2009:
You know, that was a very well thought-out and written letter. You didn't play the victim, which is what most people would do. I hope you get a favorable response. VH
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Juniper Bank / Barclay Credit Card Must Be Stopped!!
Posted by
Where do I start? From the beginning I suppose. I signed up for Juniper Banks' 0%APR introductory rate for 18 months on balance transfers and purchases. I had a good rate on my Chase card. 8.99%. But Juniper's many tempting junk mails finally got to me. Plus, the APR after the introductory APR would be the same as Chase's: 8.99%. Sounds like a win/win, right? Not so fast.
I transferred over my balance and sucked up the balance transfer fee. Well, between the time of signing up and my first due bill, I went ahead and signed up for automatic payments to make sure I didn't have any late payments. What also happened was my wallet was stolen and I had to cancel my debit card and be issued another one. This is where I do admit fault: I forgot to change that payment information online.
None of the paperless statements (emails) said anything was the matter. I got an email saying that they received my payment. However, I checked my account around the end of that month to see the next statement, only to see that the payment, in fact, did not go through, and now there was a late fee and a return fee.
I immediately called CS and talked to someone about what happened. When I do anything like this, I always write down everything that is discussed. So, by the end of the call, I read back what we had resolved. We resolved that he would be able to remove the late fee but not the return fee. He said it would show on my next statement. We resolved that the introductory APR rate of 0% would be restored, for this one time. We agreed that the payment would not have been late had the account number been correct. I believed all was right in the world again. I had it all written down and even got reference #.
For the next statements, there was no late fee removed but the APR was still at 0%. The last two statements still did not reflect a minus $39 late fee. But there was something different. The APR was up to 28.26% and there was one whopper of a finance charge!!
I got my artillery all together before calling CS again. For 30 minutes, the CS agent, who sounded like a cross between an Eastern Indian and a Leprechaun, annoyed me to no end with the hard-to-understand canned responses, the lack of ability to help, and the mixing up what he was saying, thus confusing me further. He said the return fee was noted as waived, but not the late fee, I told him it did not show any fee being waived, I was put on hold, he came back and said some other weird nonsensical stuff, and put me on hold again. Finally, he came back and apologized and said it would reflect on my next statement. But, he couldn't help me on the APR. I asked for his supervisor, and was put on hold. Within seconds of being transferred, I was magically disconnected. Hmmmm.
So, I took a deep breath and called again. This time I got some lady who wanted to hear the whole story over. She then said that there was no record of a call or conversation on 2/27/09, the date that I first called. She said this even though the last CSR I spoke with acknowledged the call. She did say her screen showed, that minutes before, the late fee was removed. She also said that the return fee would be removed (even though guy on 2/27/09 said that it could not). She also said that she could not do anything about the APR. Actually, she ignored me and asked if I was asking for a lower APR. She was equally annoying as the first guy and a tinge more unhelpful. I asked to speak to her supervisor. Can you guess what happened next? Yep, disconnected after being transferred.
SO, one hour of wasted time and many to go. This is apparently a famous tactic of credit card companies. They hope you are too busy and too annoyed to keep calling and complaining. I found a site that might be helpful to me and to others in this predicament. If I can, I'll post an update if anything was resolved.
I have no idea how much this will help, but it's better than feeling helpless. Don't let them get the best of you. Keep fighting and try and keep your cool with the CSR. They are more apt to help you if your not insulting them or cussing. It's hard, trust me. I lost it on the first call with the leprechaun. Keep your cool and go to that site above.
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Soaring Consumer on 05/07/2009:
Voted helpful. Even though you made a mistake and admitted it, the fault lies with Juniper for not keeping promises and disconnecting you.
Ponie on 05/07/2009:
Whenever something as valuable as a debit card (which I'd never use) is stolen, I'd be sure to cover all bases where it's involved. You tell us to keep our cool, yet previously you state 'I got my artillery all together...' I certainly wouldn't be happy with increases in interest rate, etc., but this could all have been avoided had you notified every entity involved of the change.
Leequa on 05/14/2009:
No kidding, Ponie. However, we all make mistakes and your well-though out response doesn't really change the past. When I say, artillery, that is what most people don't have when the enter these calls. That would be written notes, times and dates, explanations of what was resolved and what wasn't, confirmation numbers, person spoken to...etc. These are essential to help your uphill battle.
I do have an update:
I got a survey call from Juniper about a week after. It was recorded and I got to say everything and more than I said here about my experience. I told her the complaints I was planning on making ( http://www.bcsalliance.com/x_creditcardtricks_a.html )She patiently typed everything and told me that I would be contacted by someone who could actually do something. (Side note: They have people who can actually do something?! Then who are those people who call themselves CSRs and frustrate customers to no end?? Are they there only there only to hinder getting anything done?)
Anyway, I missed the call but they left me a message saying that my APR is back to 0% and they'll remove the finance charge. We'll see. I have it on my phone. I'll keep you posted to see if they keep their promise. If they do, perhaps they are changing the negative experiences of their customers. Albeit, they will still proceed to put you through the frustration and time wringer.
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How to Deal With Juniper's Unfair, Unethical, and Immoral Business Practices
Posted by
ARKADELPHIA, ARKANSAS -- I too started out with an 8.99% interest rate and paid off my balance every month for two years. For no reason at all, it was first raised to 13.99%; I called, and they said it was for "everyone." I never received ANY notice about this. Not but a month later, I looked at my statement and they raised it to 27.99%! That was too much. I called and they would not change it for anything. Admittedly, I had been anywhere from 2 hours to 24 hours late (yes, that late...unbelievable, right?) twice in the past year. Of course, they have a clause in their fine print that allows them to charge that without any notification on their part. I closed my account, because another rate hike was coming in April, and I wanted no part of it because I'd have over 30% APR. HERE IS WHAT I DID TO GET MY APR REDUCED, and I strongly encourage everyone to follow suit or actually file a class-action lawsuit. I'll be signing on.
I filed a complaint with the BBB of Delaware, and in a calm and collective manner wrote out my complaint about doubling interest rates because payments are literally hours or minutes late. I also listed what I viewed as a fair resolution to my complaint, which was a return to the previous interest rate of 13.99 and a remission of the over-limit fee which was due to the rate increase (which of course is much higher than 8.99%, but half of 27.99 or more). Not but a week or two later, they capitulated and reduced my interest rate to what it had been and credited my account for the late fee.
Now, I have another issue. For the past two months, my minimum payment has been $67 but that is what it was with 27.99%. I sent an email stating that my return to 13.99 should be reflected in my minimum monthly payment, and I received no response. I finally called today, because it's the second month they've done this. They're requiring a monthly payment that does not EVEN MEET THEIR OWN GUIDELINES of 1% the total balance PLUS the interest for the month. I think credit card companies do actually have to follow their own policy.
They kept repeating the same line, like usual, but I caught them in a lie or mistake. They told me that the "new" interest rate of 13.99 didn't start until 4/13, but I saw that they had REFUNDED the 27.99 interest rate for both March AND April. So, how can they charge a minimum payment based upon an interest rate that is no longer in effect? BS, says I. I did the math for them and with them over the phone, and they said a manager will have to call me back. I gave my number, and expect a call or I will once again be filing with the BBB of Delaware. Apparently, that is one button consumers have, and Juniper will actually change if enough people file complaints with them. Look people, I just saw the President of the United States come out and say that credit card companies have been abusing customers for far too long, and that IT WILL END. Let's also band together when they're unfair, and pay these things off AND NEVER USE THEM AGAIN! As a nation, we need to get out of debt one person at a time, and tell these people to get real jobs like everyone else.
Hope this helps, it worked for me.
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ELIMINATED my credit limit!!
Posted by
Wow--now I don't feel alone at all. I am another 'victim' of Juniper Bank's unilateral and arbitrary decisions regarding my credit limit. I was bopping happily along using only that card for many expenses and monthly bills, and in the past six months frequently spending over $2000 a month on the card. No worries, though--I had a $23,000 credit limit on the card, AND I paid it off in full every month. Never missed a payment, never late with a payment in about 3 years of use. Suddenly, a medical supply company called me to tell me that our scheduled charge with them had been declined on my Mastercard. Weird, I thought. I pulled up my on-line statement, didn't notice any problems, and called customer service. Whoooaaaaaa.....My credit limit had been reduced by 92%, to $2200. Keep in mind that three times in the last six months I have spent MORE than that in a month. And while I do not need $23,000 of credit, there have been times when I wanted to plunk down a card on a purchase of several thousand dollars (I get a nice rebate!) After numerous conversations and e-mails, they kept assuring me that they 'had reviewed my spending' and decided that this was perfectly adequate--it was based on the average spending. Well, that means I can never spend more than my average? The BANK is making my spending decisions for me??
Well, now that I've read all these reviews and see others have had exactly the same experience, I am more convinced than ever that they just want to be rid of us "deadbeats" who aren't paying them interest every month. And they want an opportunity to charge that over limit fee. If they can trick me into going over that paltry new limit, they will rub their little hands in glee and lick their cold, bloodless lips as they slurp up a $39 over-the-limit fee. The last e-mail from them confirmed that they will allow me to charge more than my limit, and even if I make a payment to bring the balance down before the billing cycle ends, I will still pay that fee for having slipped over the line a dollar or two.
(Oh shucks--let's give them kudos for that smidge of honesty, shall we? NO.)
I use this card because I have a linked savings with EmigrantDirect which pays me a nice rebate right into my savings account. Tomorrow I intend to call Emigrant and tell them that there's no need in my keeping a big savings account with them if I have to be constantly tiptoeing around this card. I want to be able to use a card whenever I want, without wondering what my balance is at any given moment. (And for the self-righteous guy who preached about 'pay your bill on time and Juniper will be no problem for you' at everybody, I hope he reads this. Please understand, there is NO black mark on my credit report, despite the fact that the Juniper representative tried to suggest that to me. Based on their statements, I immediately ordered the reports to check. Also, the first two representative I spoke with said a letter "had been mailed." The third guy said my "requested" letter would go out 12/23. Uh...somebody was lying about that notification, trying to make it seem that I had been notified when in actuality, they were only sending out a letter after I raised a question.
I have been doing my research and within the next day or two I'll find another card that offers a decent rebate of some sort, and maybe I'll cut Juniper's card into pretty little confetti pieces and mail it to them.
I will be very interested to see if the EmigrantDirect people care if Juniper causes them to lose a fairly substantial deposit.
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Barclay misleading about fun points
Posted by
I accrued 336,047 so called 'fun points' and decided to see if I had enough to cover a cruise for my husband and myself. I contacted Barclay to check how much I would be entitled to as a statement credit, as you have to book the cruise then redeem points toward credit and I did not want to pay out of pocket for the cruise. I called the redemption center and was told that I would be entitled to $5000.00 in statement credit. Since I typically don't take anything at face value I called twice more and was told by the first representative that I would have over $4000.00 toward a cruise. By the time I contacted the third representative I had the cruise information and cost available. This time I was told that I was entitled to all but $400.00 of the cost. Based on the information I was given, not once but three times, I booked the cruise ($3,707.00). When the cruise posted on my credit card I called to request a statement credit only to be told I was entitled to ONLY $2000.00 for the now over 340,000 fun points I had on my account. Now I have to either pay $1700.00 dollars for a cruise or pay the cancellation fee out of pocket, neither of which is part of my budget. When I explained that I would not have booked the cruise had I not been told I had the available points I was told that Barclay's can't be responsible for information given by their employees and the operator apologized for the poor customer service. I certainly feel a business IS responsible for their employees! If a business offers points towards goods/services I feel that everyone there should be well versed in the value of said points. Don't know yet what course of action I will take regarding the cruise but I do know I will be canceling this card asap. I feel that Barclay's mislead me and it feels fraudulent....so much for 'fun'.
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Alain on 07/25/2012:
If their customer service is so disorganized with something like reward points, just think of how badly they could fowl up the numbers with your credit card. Cancel your card as soon as possible and don't do any future business with these incompetent people. Thanks for warning your fellow consumers about Barclays/Juniper Bank!
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Unfair Credit Reduction For Good Customers
Posted by
DELAWARE -- I am writing with displeasure at the recent reduction on my account limit. I spoke with your representative today and got a complete run around. I have NEVER missed a payment, I have NEVER been late, I ALWAYS PAY MORE than the minimum payment. My account was reduced to a point where it is practically useless. I have been with your company for over 2 and ½ years and kept a spotless record with you. Now this is how I am repaid for being a good customer ! I have worked very hard to keep my account in good standing.
Since I received no compassion or satisfaction, I told your representative that I will now use my card as little as possible. I will also post a bad review on the Internet in several areas and will also send a letter to my local newspaper for publication. I am copying you on just what I am going to report / post as a courtesy.
This is the post I will use:
âI just want to say that this bank has no concern for customer service. After 3 years of constant increases to my credit limit for rewarding me for "on time " payments, Excellent credit history, and paying more than what was due, never missing a payment, never having a late fee or any other blemish on my history with them, I suddenly got a letter telling me that my credit limit was decreased to only what was currently owed them. I called customer service, they could not help me in any way. They relied on a credit report from trans union that was old and out of date, instead of my credit payments, and history with them. This bank has no customer loyalty or rewards for good customers. So as of today, I will not use this card, and publicly tell my story as I am sure more people will get the same treatment in the future.
I hope Trans Union banks with them, because I won't.â
In closing, I hope you wish to amicably resolve this issue, have my limit reinstated and allow me the pleasure of printing and publishing a retraction of the above.
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Bill on 05/09/2012:
Apparently something in your credit history is causing the bank to re-evaluate their relationship with you. Could there be a problem with another account or your debt-to-earning ratio is too high.
They are trying to get it into sync and cut their risk by lowering your credit limit.
If they lowered you limit to your debt then they are phasing your account out.
Credit is becoming harder to get. Just try to apply for a mortgage now.
FoDaddy19 on 05/09/2012:
BOA tried a similar thing with a me two years ago. The tried to lower my credit limit on a Visa card I have through them from $15k to $6k. I've never missed a payment, and always paid the card off in full every month. My credit score was and still is well over 800, and I have no debt to speak of (house paid off, no loans, etc.) So I called up BOA to find out what the problem was. I was told that because I never come close to using the full line of credit available to me (which is true, I usually only charge a couple hundred a month on the card), that they felt it was prudent just to reduce the my credit limit. I can see the logic in that, but I don't like how they did it without even letting me know. So I request to have my credit limit reinstated. I get transferred to another department, and repeat the story. But fortunately the person was talking was able to restore my credit limit to it's previous state and ever since then it's remained the same.
Anyway, I try calling again to see what motivated them to reduce your credit limit. You may eventually get to talk to someone who actually knows what they are doing.
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Paid my card off and was rewarded one week later with an addition of a new ANNUAL FEE!
Posted by
I have had my Juniper Mastercard and a Juniper Visa since 2007. I have a chapter 7 Bankruptcy in 2005, so obviously I had it when I got the Juniper cards. When I got the MC, the interest rate was 8.99 The it was raised to 14.99, where it is now. The Visa was 11.99, and is now 17.99 I have never had a late payment on either of these cards, nor any other credit card, my mortgage or my car that I also purchased in 2007. I purchased my house in 2009.I was already sick of credit card debt after Chase bought Wamu and jacked my rate up from 8.99 to 23%, and Target lowered my limit from $4500 eventually ending at $500, each time lowering it to just above my balance. If I wasn't paying over the minimum, I would have gone over limit. Anywho, Chase closed my acct, and I closed the Target acct. On the 1st of June, I paid off the Juniper MC, and between the 1st and 8th, I paid 1k on the Juniper Visa. I paid 500 on the 4th, which Juniper did not apply until the 6th. I called them and they didn't have a reason, but did tell me that I was being offered a balance transfer option on the MC. Imagine my surprise when on the 12th I receive notice regarding the MC saying they are adding an annual fee to my account of $49!!! They said it was due to my high balance on my cards, and my Bankruptcy, you know, the one from 6 years ago that I had when I got the Juniper cards! I have never in my life heard of a company adding an annual fee after the fact. I'm actually scheduled to pay off the rest of the Juniper Visa next month, before the annual fee starts on the MC, and I will be paying them both off and closing the accounts. I realize that may lower my Fico score, but better that than to pay an annual fee on a card I've had for 4 yrs with no annual fee! I'm just thanking God that one card is paid off and I can pay the other off, or I'd be over a barrel, and under Juniper's control. It almost makes me feel like they could see that I was paying the cards off, and they wouldn't be earning anymore interest from me, so they came up with the annual fee ploy. When I think of calling them to cancel the cards, I laugh hysterically. God is good, and Juniper/Barclays is EVIL!
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trmn8r on 06/12/2011:
Since you already went through Ch 7, I'm surprised you are carrying a balance on any credit card.
All of the rates that you mentioned are insane. 8.99% is by no means whatsover reasonable. I think my lowest rate is 8% - also far too high to pay unless I need money to bail my firstborn out of jail. What would be reasonable? Maybe 5% max. Can you find that? Not that I know of.
I've never paid one penny of interest on a credit card, because I pay my balance off every month. It is very liberating, not having to worry about if my fair weather friend the bank is going to come and jack me upside of the head while I have my back turned.
I hope we all can continue to find and keep credit cards with no annual fee. The new routine is to institute them to make up for lost revenue, as I am sure you are aware. I would ditch my card if they started charging also.
kjv on 06/13/2011:
I just received the same notice from Juniper that an annual fee would be added next month due to delinquencies on my credit and the amount of delinquencies. I called them to question it as I have zero delinquencies showing on my credit and I was told by two reps "It is a generic notice that may or may not apply to you specifically."
I was shocked and read the statement I received where it specifically says it is due to my credit and only had the same thing repeated to me over and over. I asked to speak to a manager and was hung up on once and put on a long hold the second time.
I will be closing my account and am thankful that I am one of those who can. This is the worst experience I have had with any company.
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Don't do business with Juniper Bank (Barclays)
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I have perfect credit with a credit score of 745, no lates at all. I have 4 paid as agreed mortgages. I have had this Juniper card since 2007 with a credit line of $4500. I have several other credit cards with minimal balances outstanding except for 2. I recently (November 2010 and Dec 2010)paid my property taxes using my US Bank VISA accounts to take advantage of their 0% interest for 12 months instead of using my own cash (which I have). That brought my 2 US Bank VISA accounts close to the maximum credit line. I have 5 other Mastercard and Visa accounts with close toa zero balance. I use the Juniper Bank account to pay recurring monthly expenses such as Home Security, Netflix, Home Warranty, etc. I let the balance get up to close to $3000. Last month I applied $1200 to my Juniper Bank account to reduce the balance. I planned on paying more with my tax refund on all accounts. I received a call from Juniper a few days after the $1200 posted telling me that I'm too close to my credit limit on OTHER accounts so they reduced my line of credit to $2500. This was an insult! That left me with a few hundred dollars on my credit line which wouldn't have covered my recurring monthly bills linked to that account. I immediately moved all 8 of those recurring accounts to a different credit card. I have not, and will not use Juniper bank credit card again. I'm will pay that account off at the end of this month BUT I won't close it because closing it will hurt my credit score. Their representative treated me like a 3 year old child, repremanding me for using 2 of my cards too much! You can't rely on this company to be there when you need them. AVOID THEM LIKE THE PLAGUE!
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Anonymous on 01/24/2011:
A bank is an institution that will extend you credit if you can prove that you don't need it.
Obsfucation on 01/24/2011:
745 is not perfect credit, just good. You have seven unsecured lines of credit. No offense, but I wouldn't extend you credit either. Think of it this way: if you maxxed out all seven cards, then lost your job, could you pay them back? That's the question they have when they look at your overall credit picture.
joeyvv on 01/24/2011:
File bankruptcy on the jerks. Then they get next to nothing and you can get a clean start.
Olivander on 01/24/2011:
Are you nuts? Bankruptcies stay on your credit history for 10 years. Talk about cutting off your nose to spite your face.
DebtorBasher on 01/24/2011:
I agree Olivander. If it's possible, the best thing to do if you want to cut ties with them...would be to transfer your balance to another card...of course you have to read the small print, the fees etc...but if it's transferred, they will not have your balance to make money on the fees because it will be paid and closed. Bankruptcy is a last resource...not for people able and willing to pay as this person is obviously able to do...I wouldn't recommend BKO for this kind of reason.
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Everyone has heard the legend of the Abominable Snowman, but the truth has yet to be uncovered. Isn't it crazy that after all these years of telling its tale, the identity of this creature is still a mystery? Now you can replicate this sense of secrecy with the Yetti Spaghetti Mask from Quiksilver. Featuring a woven graphic of a Yetti-inspired head and two eye cutouts, this cool face mask will keep you in sweet obscurity whether you're lockin' down your skills on the slopes or takin' a cruiser run down the mountain!
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In mid-1940s Maine, banker Andy Dufresne (Tim Robbins) is tried and convicted for the murder of his wife and her lover. He is sentenced to life at Shawshank prison, where he meets affable lifer ...
A timid banker is sent to Shawshank prison for murdering his wife. His chances of survival are slim until he is befriended by a tough lifer.
The Shawshank Redemption -- Two imprisoned men bond over a number of years, finding solace and eventual redemption through acts of common decency.
The Shawshank Redemption -- Academy Award winner Tim Robbins ('Mystic River,' 'The Hudsucker Proxy') stars in this Oscar nominated drama about a banker who is wrongly convicted of the murder of his wife and her lover.
The Shawshank Redemption is based on the Stephen King novella, Rita Hayworth and Shawshank Redemption. The film stars Tim Robbins as Andy Dufresne and Morgan Freeman as Ellis Boyd 'Red' Redding.
The film portrays Andy's twenty years in the cruelty of Shawshank State Prison, a fictional penitentiary in Maine, and his friendship with Red, a fellow inmate.
Director M. Night Shyamalan discusses finding light in the darkest places, and Morgan Freeman's 'kingly elegance' in The Shawshank Redemption, which ranks #72 on AFI's list of the 100 Greatest American Films.
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Here are just a few of the latest photo lightboxes that have been created using our new picture lightbox tool. Have you tried using the lightboxes to organize pictures and share them with colleagues and friends? Play the short video below to see how convenient they are.
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Traveling by Air. Let these pictures from above lift you above the earth and get you that aerial pictures from high above the ground of cities, bodies of water, buildings or New York City aerials pictures. While you are up there, if you need pictures of globes or Mother Earth, Cutcaster has a wide selection. If you dont like air travel, then drive off with these automobile pictures that will get your creative engines purring like a lion from the moment you start browsing.
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Modern Marvels: Grand Coulee Dam DVD
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- Studio: History Channel
- DVD Release Date: December 10, 1993
Its monumental size created massive problems-obstacles that many engineers said couldn't be overcome.
The completion of the Grand Coulee Dam proved America's industrial might could overcome any obstacle, even mother nature.
Construction of this massive dam on Washington's Columbia River began in 1931. But the sheer magnitude of the project brought on unique problems that demanded inventive solutions. When bedrock was exposed, a huge mass of clay began moving forward, threatening to swallow up the foundation. After much frantic deliberation, the engineers froze the clay, stopping its ominous advance and allowing construction to continue. With rare footage of its construction, interviews with the men who helped build it, and a behind-the-scenes tour of the massive dam today, this is the complete story of the Grand Coulee Dam.


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Ulu Half Pendant LightPrice: $620.00
Made in New Zealand, by David Trubridge Design.
Ulu Pendant Lights were inspired by the leaf of the breadfruit tree, which in Tahiti is called "ulu". Made from bamboo plywood components, each piece resembles this familiar fanned leaf. The Ulu Half Pendant is the small version of the full size pendant of the same name, and offers the same earthy and exotic aesthetic for a variety of applications from small space living to large scale displays. Ulu's material-minimizing design is carried through to its kitset packaging which means no excessively bulky boxes in shipping, plus it helps minimize the impact on the environment. Ulu Half ships flat packed with excellent instructions for self assembly and 6 feet of wire and canopy.
For projects requiring UL Listed fixtures, a UL listed cordset and canopy set is available - sold separately.
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Material(s): Bamboo
Dimensions: 19.5" Dia X 15.5" H
Bulbs: 1 X 100W 120V E26 (medium base) incandescent lamp (not included)
Designer: David Trubridge
David Trubridge is a true visionary. His self named brand, David Trubridge Designs, features sculptural, and often wood based, lighting solutions that are a mix of old world skills and craftsmanship with some high-tech enginuity and sustainable practices. David's lamps combine repeat patterned CNC cut plywood with a hint of Escher to produce a geometrically pleasing form, both pure in design and practical in purpose. Early training in Naval Architecture prepared David well for computer 3D designing, enabling the company to integrate CNC technology and moving fluidly between design and production.
In addition to lighting design, David Trubridge is an achieved, self-taught designer of furniture. In 1972 he first graduated from Newcastle University in Northern England in 1972 with a degree in Naval Architecture (Boat Design), and has received many awards over the year for his contributions to design, including the Good Design Awards (NZ), the Best Awards (NZ), Home NZ Design Awards, the Silver Leaf Awards (Japan), Designboom / Sotheby's Awards (London), the UN / Natural World Warming awards and New Zealand's greatest prize for innovative design, the John Britten Award.View other products by David Trubridge
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David Trubridge: Sophisticated and Sustainable Lighting Solutions.
David Trubridge Design is internationally renowned as a modern day manufacturer of lighting and furniture. Based in Hawkes Bay, New Zealand, a destination celebrated for its lifestyle, arts and wine-making, David Trubridge Design brings to life contemporary designs that have a strong connection to nature and the sophisticated flavor of the South Pacific.
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Zola Illusion Necklace
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Marcela is the Chief Information & Marketing Officer for the Hispanic Scholarship Fund (HSF). She is responsible for setting and executing the non-profit's nationwide technology, social media and digital marketing strategy. Her charter is to align HSF's vision and mission to enable a college education for every Hispanic household. By virtue of technology, Marcela works to drive the broad-based acquisition of individual donors and ignite stakeholder engagement via relevant media channels, two-way marketing and analytics with current scholars, prospective applicants, alumni and parents while continuing to provide value for HSF's fortune 500 corporate sponsors.
Prior to joining HSF, Marcela held the role of Vice President and Divisional CIO for Sony Pictures Home Entertainment, a multi-billion dollar division of Sony Pictures Entertainment. She oversaw the Global Information Technology strategy and direction that supported and enabled the Home Entertainment business operations, including sales, marketing, manufacturing, distribution, business intelligence, finance and digital functions.
Marcela has more than 20 years of experience in the entertainment industry, having held various management and leadership roles in accounting, customer service, sales, operations, and IT. Her rich experience in tactical execution, management processes, and strategic planning has allowed her to helm many strategic initiatives, company projects, startups, and departments. Marcela's strategic vision, aligning business and IT, and integrating business processes with technology, provided the direction for Sony's Home Entertainment, as it does the IT strategy at HSF. Her vision is to evolve an integrated and collaborative Technology and Marketing Team to provide innovative methods of adopting and adapting technology toward the attainment of HSF's strategic initiatives. With a tight IT/business alignment approach in place, Marcela was able to provide high value and quality delivery across the worldwide SPHE division through continuous improvement and use of "best of the best" practices, which will be critical in her new role at HSF.
Marcela holds a Bachelor's degree in Business Administration with an emphasis in International Business from Loyola Marymount University, and a Masters degree in Business Administration in Information Systems and Operations Management from the University of Southern California. She serves as the Corporate Council Chair for the Los Angeles Unified Preschool (LAUP), a non-profit organization that helps expand early childhood education programs for families that could not otherwise afford them. She was also very active in Sony's corporate diversity and inclusion program, SPECTRUM, and served as the executive sponsor of the Latinos Unidos EBRG. Marcela has been a board member of the LMU Latino Alumni Association since 2010. She also serves as President for the all-volunteer board of the non-profit California Hispanic Corporate Council (CHCCLI), is a 2010 Fellow and board member, and serves as Secretary of the National Hispana Leadership Institute (NHLI). She has three happy and healthy young adult children, Alex, Nikki, and Robert, and lives with her husband, Dan, in Los Angeles.
My favorite quote is by Gandhi: "Be the change you wish to see in the world." I strive to live this mantra every single day, especially at HSF. – Marcela
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Coaches from three countries met in Serbia to hone their skills.
Go feet first for one of the newest Special Olympics sports.
En été, nos athlètes courent, sautent, nagent et marquent.
Les partenaires sont essentiels à nos activités.
Sports, santé, éducation, communauté.
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I like using this product as a base primer to make my eye shadow to stand out vibrantly. One of the best to use as a liner, blush or lip color too.
Aqua Cream combines the highest-quality pigments with mother of pearl particles to give immediate rich color payoff with a luminous finish in just one application. Its waterproof formulation will not crease or smudge under the most extreme conditions and its creamy and elastic texture allows for easy blending.
Apply the Aqua Cream using the fingertips or any type of brush.
For a precise application on the lips or cheeks, hydrate the desired areas before using the Aqua Cream.
The Aqua Cream shades can be blended together to create new colors.
To create customized looks, you can add other products to the Aqua Cream such as Glitter, Star Powder, Diamond Powder.
Always tighten the cap firmly to prevent the product from drying.
Pro Tip: To mute shimmer mix Aqua Cream with a small amount of Full Cover Concealer.
I like using this product as a base primer to make my eye shadow to stand out vibrantly. One of the best to use as a liner, blush or lip color too.
This is my go-to eye shadow when I need something that will last from early morning to late at night. These shadows are really easy to apply and smudge well before they set. They also work great as a base before applying powder shadow on top.
I use this product every day and it does not move. I either use it alone or mix it with powder shadows depending on the look I am going for.


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This quilt is all hand pieced and in fabulous condition. No stains, so fading, no signs of wear. Probably kept neatly folded away some place safe for a lot of years. After starting my own adventures with hand sewing hexagons - much bigger than these babies I might add - I knew this was something I would never in a million years complete on my own. All those tiny hexies? No way. And the gorgeous, mint condition vintage fabrics sealed the deal. I think I got it for a steal.
Saturday, August 21, 2010
The Grandmother of Hexagon Quilts
This quilt is all hand pieced and in fabulous condition. No stains, so fading, no signs of wear. Probably kept neatly folded away some place safe for a lot of years. After starting my own adventures with hand sewing hexagons - much bigger than these babies I might add - I knew this was something I would never in a million years complete on my own. All those tiny hexies? No way. And the gorgeous, mint condition vintage fabrics sealed the deal. I think I got it for a steal.
40 comments:
Wow, I'd love to know how many hours went into completing that amazing quilt! Great find!ReplyDelete
Love that green!! So glad you found such a treasure!ReplyDelete
That is just stunning! Use it in the best of health :)ReplyDelete
What a treasure you have there. Just beautiful! :o)ReplyDelete
I would have fainted! I'm so glad that it is in the hands of someone who will treasure it! I would love to know the story behind it and more about the woman who loveingly pieced it too!Enjoy!ReplyDelete
Lovely photos kiddo....but they don't let people know how truly HUGE that top is!! I know....I had the luck of holding it in person....it is HUGE...no way I would every attempt to make something like that and yes Amy....it was a steal!!ReplyDelete
Keep us posted on your quilting progress!!:)
Oh gosh A, those photos really do the quilt justice! What an amazing find...and I am so glad that someone who appreciates it found it!ReplyDelete
Your quilt is absolutely gorgeous!!!ReplyDelete
Wow - what a real treasure to love. Even more cool how you can REALLY appreciate it after doing so many hexies of your own.ReplyDelete
And the last photo is wonderful!
What a find!ReplyDelete
What a great quilt - that is one lucky find :)ReplyDelete
OH WOW, you lucky girl. Way to go!ReplyDelete
Absolutely beautiful! I love the green/white hexie border.ReplyDelete
So glad you didn't leave it behind! What a treasure - thanks for sharing!ReplyDelete
what a great find..........I would have to buy it too.........ReplyDelete
What a treasure to have found!ReplyDelete
Oh my goodness - what an amazing quilt!ReplyDelete
What a wonderful find.You have a real treasure there.ReplyDelete
Hexie love! No wonder why blogland is loving the hexies. We come from talented stock! Thanks for the eye candy!ReplyDelete
What a truly lucky find! Was it very expensive? Antique stores tend to be, I find.. great that it's in good condition! Big plus :)ReplyDelete
I think I would've started hyperventilating when I saw the quilt. It must not have been terribly expensive or I'm sure you wouldn't have bought it. Congratulations on your marvelous find!!!! WOWee!!!ReplyDelete
this is so beautiful...sometime last year i came across a quilt like this at a antique shop and fell in love, and got an amazing deal on it too!!! perfect condition but mine is all that nile green, no white. i love it, which makes me understand just how much you love yours.ReplyDelete
It's just gorgeous Amy! And guess what? I too found a Grandmother's Flower Garden quilt top last year at an antique shop. It too has mostly nile green and is all hand pieced. I am in the process of deciding how to finish it so I can use and enjoy it. I can't even imagine how many years it would take for me to hand quilt it. What are you going to use for a backing?ReplyDelete
Holy COW!! That is tremendously beautiful. You are so fortunate to have that quilt top! My grandma has one my great-grandma made, but it's yellow where yours is green. I l love your quilt! Good eye!ReplyDelete
Wow - beautiful top. You are so right that it fits that someone who appreciates the quilt for it's level of detail be the new owner. Have fun hand quilting. It can only add to it's beauty.ReplyDelete
AnneMarie @ Gen X Quilters
Amy, that quilt is absolutely amazing!!! Even if you paid thousands of dollars it would have been totally worth every penny. Just gorgeous. I am sure it is something that you will treasure.ReplyDelete
Just gorgeous!ReplyDelete
Congratulations on having such a treasure. It is pretty special.ReplyDelete
That is just gorgeous! Congrats on your find! ☺ReplyDelete
it's really beautiful!!! What a great finding!ReplyDelete
Gosh I can't imagine how long it took someone to piece all of those hexagons! I swear I'm going to make one that big myself one day. Good luck with the hand quilting!ReplyDelete
Nerys x
Oh, I'm sad I have to work! I wanted to go to that quilt show! Well, I love this hexagon quilt. I'm sure it was worth every penny. Good luck on your hand quilting endeavors!ReplyDelete
the quilt is gorgeous! I also picked one up at an antique shop..I know what ya mean about wondering about the person who invested time and love into making the top to never finish it.I am considering hand quilting mine also.Thanks for sharing,AmyReplyDelete
beautiful beautiful beautiful! you're a lucky lady!ReplyDelete
What a lovely quilt i love the pattern not that i have ever done it lolReplyDelete
Hugs Janice
I'm going through the same process with a 30's quilt top I found. I absolutely agree that hand quilting is the only way to honor such lovely finds!ReplyDelete
I love that it is a quilt top. Not quilted yet. It is perfect, beautiful, lovely, amazing. I too wonder about the maker. You can see how she planned it out. I'm sure she used left overs from dresses. I love the fabrics. I would want to have it quilted. I guess hand quilted would be my preference. I think you should quilt it somehow and display it. Love it. Love it. I'd love to see it in person some time.ReplyDelete
Amy Smart! Guess what....I went to my Aunt's house and she pulls out my GREAT-Grandmother's hexagon quilt! And I now own it! I was SO thrilled because of your love for hexagon quilts I know about them now! Thanks for being a quilting star!ReplyDelete
Hello, I have a beautiful hexagon quilt in excellent condition made by my grandmother or great-grandmother. The flowers are on the inside row instead of the outside. Do you have any idea how much it would be worth? I'm interested in selling it. It's for a double (full) bed.ReplyDelete
My breath is taken away as I have a metal box with hexagons that my grandmother put together and I had no idea how to finish it. Am thinking of making 6 (for her grandchildren) smaller items... any ideas?ReplyDelete
Thank you so much for your comments - they make my day! I try to respond to as many as my 'mommy' time allows, but life sometimes gets in the way. Please know how much I appreciate each of them.
I apologize for the current comment settings that require a registered user account. They are the only way that I don't get tons of gross spam. I'm hoping Blogger will make a way where people who are not registered users, but would like to leave a comment can do so. Please, Blogger! In the mean time, thanks for your patience.
I also love to respond to questions. If you are a no-reply blogger, please leave an email address so I can get back to you. Or you can email me directly: amy @ diaryofaquilter.com. Thanks!


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|Watkin, William Ward, 1886-1952--Correspondence [97]
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Outdoor Hydration Packs
Staying hydrated is one of the most important things you can do for your body, regardless of your activity. Thanks to innovators like Camelbak, Osprey, Deuter and others, staying hydrated has never been more convenient. Have any questions about which hydration pack is best for your next outdoor activity? Call one of our gear experts at 888-707-6708.


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I ordered this set for several reasons - I wanted something that I could spot easily on the baggage carousel, I wanted something lightweight that could fly without incurring extra charges for weight, and it had to be expandable and have wheels. So far, so good. I'm traveling with the next-to-largest-size bag now. I'm finding the extra inches from the expansion great and the huge outside pocket is incredibly handy (I didn't think it would be, but that outside pocket has been holding my curling iron, books, and my netbook and netbook accessories.) My husband actually borrowed the largest bag for a recent trip because his usual bag was overweight with everything he needed to take....this large bag, when packed with the same items, came in under weight by 8 pounds. Plus, it survived handling by the airline. So, it's been a good deal. And, I love the pattern. But, for anyone who orders this pattern, please note that the football fans in your life will wonder why you bought luggage with the "Saints" logo on it. :)
I purchased this item and received it in 4 days.....it is a great set of luggage....it really looks great and I can't wait to use it. I was amazed on how well it is made and the cost is really low for what you are getting. There is a lot of room in the luggage and I got more than what I paid for...I highly recommend this set of luggage. You will need to air it out a little so give time when buying it, I placed it outside on my deck for an afternoon to air it out a little ....Had a high leather smell I think due to it being boxed up , but immedately went away after I aired it out.... I had been to 15 stores looking for luggage, than my friend told me about Overstock....Now I know where to go for the things I need.....
We get compliments on this luggage whenever we travel. Sturdy and well made. There was a slight tear in the interior fabric of one piece but nothing that would make us send it back. The doctor bag is a bit odd in that the handle has a wood dowel that is not secured...actually can slip right out if you're not careful but this is not a big deal in that we bought the set for the other 3 pieces.
I bought this for a long trip to Europe, and I am so pleased with this luggage set. As always, the shipping was fast. I chose black because I was afraid that the red set would show markings easily from the airport. But I liked how it was patterned so that I could distinguish it among all the other luggage. The only thing I wish I had known was that the patterns are gold with golden sparkles on them. From the picture, I don't think you can really tell. But it does look beautiful and I'm extremely happy with it!
After using the large case only TWO times - there was a rip in the material. Do not recommend this product.
I would recommend you get this set if you don't mind the New Orleans Saints logo on the outside of our luggage. It appears much smaller on the photos but its largely printed on the outside of all 3 pieces I received. I thought it was a 4 piece set? I just want a refund. This was a mistake for me to buy BUT other than the exterior - the interior is very nice and has the luxurious custom feel. I just absolutely hate the outside!!
Beautiful luggage but couldn't get rid of the smell. Tried fabric freshener, airing outside overnight, cleaning handles with wipes. Nothing worked. Knew I couldn't ride in car with this toxic smell for 2 days. Had to return.
This luggage had the worse odor. I tried airing it out as a previous review recommended. However, this did not work. I LOVE Overstock but not this luggage.
I bought this set for my daughter's 20th birthday and for her trip abroad. when the set arrived, she was thrilled with all but the "Doctor's Bag" carry on. She used the largest suitcase and the smallest one for her trip. She packed her undies and socks into the shoe pockets and the pockets ripped (not that many socks or undies as this was the bag she used for carry on in case her large piece got lost)! I am very disappointed with the quality of these suitcases,even thought they had a very good rating.
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Open Doors at Czernin Palace and Concert of Allstar Refjúdží Band in the Garden
26.09.2012 / 08:16
(This article expired 27.09.2013.)
On Sunday, September 23, 2012, visitors had an opportunity to see for the second time this year the baroque seat of the Ministry of Foreign Affairs, Czernin Palace, including Jan Masaryk apartment. A concert of Allstar Refjúdží Band followed in the garden of the Palace. The event was to highlight the topic of refugees and social integration.
Allstar Refjúdží Band is a group of musicians from various cultures, religious backgrounds and political perspectives. Its mission is to open through musical and theatrical production topics related to migration. The Band combines brass band, ethno, ska, rap, klezmer, Dixieland, Chinese opera, and Armenian and Kurdish rhythms into one pot.
The event featured an exhibition "We are from one Planet" by photographer Jindřich Štreit and journalist Martina Vašíčková. This exhibition produced by Charita Czech Republic documents lives of people who were born hundreds and thousands of kilometers away and decided to live in the Czech Republic. The exhibition is a part of "Positive Image of a Foreign National in the Czech Republic" project co-financed by "Solidarity and Migration flows Management" program.
The event was organized by the Ministry of Foreign Affairs in cooperation with Czech Center Prague and Theatre Archa.


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Sesame Street Party Plastic Tablecover (220670)
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Reviewed by: emfanning
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Location: Texas
Title: Sesame Street Table Cloth
Date: Apr 17, 2013
Love that there are more than just a few different characters on it.
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Reviewed by: denahe
Location: New York, NY
Title: awesome tablecovers
Date: May 14, 2012
I love these table covers. Perfect for our Sesame Street themed party. Durable, fun, awesome
Reviewed by: Cici085
Location: South Carolina
Title: Great Tablecover
Date: May 13, 2012
This tablecover worked great for our party. It perfectly matched our other Sesame Street/Elmo decor. Very sturdy as well. My son loved the bright colors.
Reviewed by: jk2012two
Location: St. Joseph, MO
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Title: Cute tablecover
Date: Apr 01, 2012
This is a cute tablecover. The kids liked seeing all the Sesame Street characters. I thought for a plastic tablecover it's a bit pricey, but it did its job and I was happy with it.
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I try never to think of what I will do next week or next month, but always today. That has always helped me get closer to my long term goals.
I feel everybody needs to know about this company. If you never make the life-altering money you wanted in this business, the environment alone that ACN creates can make you a better person.
It doesn't matter where you are from or what has happened in your life. You can still accomplish great things.
We have been able to create a life for our children that is filled with 'I can do anything' thanks to ACN.
ACN has the opportunity for immediate advancement and there's plenty of room at the top of the company for everyone.
We are living our dreams and have the privilege of helping other people reach their goals and dreams too.
We focused on the big picture of what we really wanted in our lives, and because of this, in two months of joining ACN, I was able to quit my job and be home with my kids.
When I was introduced to ACN, I was so excited about the concept of how people could get paid monthly income by helping others do the same.
I believe ACN has given us the opportunity to use the spiritual gifts that we have been blessed with and to be the leaders we were meant to be.
Initially, I was only hoping to replace my income with ACN. Currently, what drives me is to empower others to regain their quality of life. With the recession, there are so many people praying for a miracle like ACN.
With ACN, I have been coached and mentored by people that care for people's success. I have made friends and built solid relationships.
The best part for me about ACN is that it does not even occur to me as work. I am simply having fun.
Through ACN I was coachable and learned from people who already were successful.
Through the residual income earned with ACN, I never have to worry about money. In return, the money freedom allows me to enjoy time freedom. It's been completely life-changing!


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- Home
- Health Information
- Coccidioidomycosis
(Valley Fever)
Risk Factors
- Farmers
- Construction workers
- People in the military
- Archaeologists
- People who work with or who are frequently exposed to soil
- People with weakened immune systems
- Elderly people
- African-Americans
- Asians
- Women in the third trimester of pregnancy
- Cough
- Fever
- Chest pain
- Shortness of breath
- Chill
Flu-like symptoms that lasts for weeks or a month, including
- Night sweats
- Headache
- Aching in the joints
- Rash that consists of painful red bumps
- Fatigue that lasts longer than a few weeks
- Blood tests
- Sputum smear or culture
- Bed rest and fluids—Many patients with valley fever do not need treatment with medication. The infection will go away on its own. Bed rest and drinking plenty of fluids will quicken recovery.
- Antifungal medication—Some patients, especially those with weakened immune systems, chronic diseases, severe pneumonia, disseminated valley fever, meningitis, or primary infection in third trimester of pregnancy may be prescribed an antifungal medication.
When working outside in the soil, especially in areas where the fungus is common, you should:
- Always wear a mask.
- Wet the soil to reduce the spores in the air.
- Keep doors and windows tightly closed in areas where the fungus is common.
- Go inside during a dust storm.
American Academy of Family Physicians http://familydoctor.org
Valley Fever Connections http://www.valley-fever.org
Health Canada http://www.hc-sc.gc.ca
Public Health Agency of Canada http://www.phac-aspc.gc.ca
Ampel NM. New perspectives on coccidioidomycosis. Proc Am Thorac Soc. 2010 May;7(3):181-185.
Ampel NM, Giblin A, Mourani JP, Galgiani JN. Factors and outcomes associated with the decision to treat primary pulmonary coccidioidomycosis. Clin Infect Dis. 2009 Jan 15;48(2):172-178.
Environmental mediation of valley fever. University of Arizona Tucson website. Available at: http://www.casa.arizona.edu/~peter/valleyfever/web/index.html. Accessed September 18, 2013.
Fisher BT, Chiller TM, et al. Hospitalizations for coccidioidomycosis at forty-one children's hospitals in the United States. Pediatr Infect Dis J. 2010 Mar;29(3):243-247.
Galgiani JN. Valley fever tutorial for primary care professionals. The Valley Fever Center for Excellence website. Available at http://www.vfce.arizona.edu/resources/pdf/Tutorial%5Ffor%5FPrimary%5Fcare%5FPhysicians.pdf. Updated 2012. Accessed September 18, 2013.
Hector RF, Rutherford GW, et al. The public health impact of coccidioidomycosis in Arizona and California. Int J Environ Res Public Health. 2011;8(4):1150-1173.
Valley fever in humans. Valley Fever Center for Excellence website. Available at: https://www.vfce.arizona.edu/ValleyFeverInPeople/Default.aspx. Accessed September 18, 2013.
Revision Information
- Reviewer: Michael Woods, MD
- Review Date: 09/2013 -
- Update Date: 09/30/2013 -


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Customer Reviews
- Dermadoctor KP Duty Review by Longview, Texas
Price Value Quality
This is a wonderful product. This has been the only product to successfully work on the keratosis pilaris that my daughter has on her legs and elbows. We saw a difference in 1 week and after 2 weeks of continued use, a lot of it had disappeared. We are on our second tube and it is almost completely gone. I highly recommend this product.
- Dubious...but the testimonies sell me every time! Review by KP, Atlanta, GA
Price Value Quality
OKay, i used it for three weeks... not much of an improvement at all for my KP!!! but i keep reading all these positive testimonies so I will try one more tube and see if perhaps i need to apply more. or perhaps there is no hope for me.
- WOW! Review by Jessica O, Tucson, AZ USA
Price Value Quality
I love KP Duty! This is the first thing that I've used on my skin that has caused an improvment in it! Much, Much, Much cheaper then the RX's the dermatologist was prescribing. =)
- IT WORKS IT WORKS IT WORKS Review by aes, toledo, ohio
Price Value Quality
I have had KP on my upper and lower arms for years now and my local dermatologist always said-sorry, nothing can be done. But now that I have discovered KP Duty, I am saved. My wedding is in one year and I was worried about my bumpy arms, but now I have nothing to worry about. It really does work, in less than two weeks-by applying 1 X a day-it is drasically reduced to almost nothing!!!
- What A Diference! Review by Brenda, Salem, Oregon
Price Value Quality
I am very impressed with KP Duty! I've had KP since I was a kid and was always embarrassed about it. People are constantly asking me if I'm cold because they notice the bumps on my arms. I've used KP Duty for about 3 weeks now and I've noticed a big difference in the softness of my skin and the bumps have flattened out quite a bit. I'm not embarrassed to wear sleeveless shirts anymore! I just wish I knew about KP Duty earlier!
- FINALLY!!! A product that works! Review by MC, Beverly Hills, MI
Price Value Quality
I have had KP bumps on my arms and cheeks since I was a baby (I'm now 36). My mom took me to numerous dermatologists when I was growing up, but nothing worked. During high school, college and through my twenties, I tried EVERYTHING to smooth out the bumps. Three years ago, a couple months before my wedding, I went to a dermatologist and he told me right away that I had keratosis pilaris. I was so happy to finally find out the name of what I had. He prescribed differin which worked fairly well on my face but did not work that well on my arms. It's prescription only, expensive (even though our insurance covers 75 percent of the cost) and it's unsafe to use while pregnant and nursing so, therefore, I had to stop using it for a year and a half (our baby girl was born in May 2004). I've been using KP Duty for only three days and already I see a DRAMATIC improvement. My arms are so much smoother. I've also been using it on my face in the evening (mix a small amount with my moisturizer)and it's made my skin feel softer and smoother. I'm so happy and excited to have finally found a product that works well, is non-irritating (AMLactin 12 was too strong for my skin and Lachydrin Five wasn't strong enough to make any kind of difference). Just found out that KP Duty is sold at Sephora...I'm going to buy another tube today so that I don't run out!!
- Awesome Product! Review by tag, Chicago, IL
Price Value Quality
My 6 year old daughter has the WORST KP - on her arms, chest and back. Within 3 days of using this product, there is a 1000% improvement in her skin! It is like a miracle! I am absolutely THRILLED with this product, and so is my daughter, as she was very self-conscious about her KP! I would and AM recommending this product and web-site to everyone! Thanks!
- Astounded and Pleased Review by A.A.S., Richmond, VA
Price Value Quality
I honestly had no idea if this product would work for me or not. I've had keratosis pilaris for most of my life, and after trying tons of icky-smelling, greasy creams and lotions (like AmLactin...BLEH), I was reluctant to try another. Not only is KP Duty a smooth and odorless product, but KP Duty has REALLY WORKED. I've literally only been using it for DAYS, and there is a huge difference in my skin's texture. There is still redness, but it's fading. And the softness is just unbelievable. I thought I'd never have smooth upper arms. And it goes on so easy and absorbs so quickly, so it doesn't make my clothes all sticky with lotion. It's supposed to be applied twice a day every day, but even when I miss an application, the effects last. Thank you so much for this product! I'm hooked! I will suggest this to anyone with KP!
- Softer but that's it Review by A.A., Washington, DC USA
Price Value Quality
I bought KP Duty and used it unfailingly morning and evening for 3 months, hoping for similar results as all the positive postings I had read. My skin was noticeably smoother after the first two weeks, but I had little to no change in appearance by the end of 3 months. It works well to improve texture, but I was hoping for much more. I might return to KP Duty, but for now I'm going to keep shopping around.
- KP Duty's the Best! Review by PJP, Jamestown, RI USA
Price Value Quality
Up until now, Epilyt was the best product I could find in controlling the KP condition on my thighs. But the results were short lived and not thorough enough.Then I tried KP Duty. After just 6 applications (twice daily)you couldn't tell I'd ever had a KP problem! Chicken skin/bumps, etc. were completely gone. Also, the KP Duty product is easier to apply, and not greasy / oily at all. Great stuff!


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Round Two: Post-Thanksgiving Turkey Sandwich Recipes
Turkey sandwiches get boring pretty fast in the days following the Thanksgiving feast. But adding bright, fresh, and flavorful ingredients to the mix can help you create some inspired (and desired) leftover turkey sandwiches. These recipes are easy to make, and they each feature something special, like Romesco sauce, fresh grapes, or ricotta cheese. Don't be surprised if these sandwiches are gobbled down just as fast as Thanksgiving dinner.
Have more of the bird sitting in the fridge? Find out what else to do with turkey leftovers.
Turkey Sandwich
Give this favorite a big nutrient boost by choosing the right ingredients.
Recipe: Turkey Sandwich
Courtesy of Martha Stewart Living Omnimedia


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Jason Fraley, WTOP film critic
WASHINGTON - Upon its 1960 release, the audience screams were so loud you couldn't hear its legendary soundtrack!
Monday night, you can feel what it must have been like to see it on the big screen with the final part of the Screen on the Green summer movie series on the National Mall.
The free screening of "Psycho" (1960) begins at sunset just off the Smithsonian Metro stop. Guests usually show up hours ahead of time, between 5 p.m. and 6 p.m., to get prime real estate on the Mall.
The film features a power performance from Anthony Perkins as Norman Bates, the slashing strings of Bernard Herrmann's violins, the splitting opening credits of Saul Bass and one of the greatest twists in movie history, all tied together with the visionary director of Alfred Hitchcock.
This summer's outdoor movie series included "Butch Cassidy and the Sundance Kid" (1969), "It Happened One Night" (1934) and "From Here to Eternity" (1953).
This is the 14th year of the series, which kicked off in 1999 with "Casablanca" (1942), "The Wizard of Oz" (1939), "Citizen Kane" (1941), "King Kong" (1933) and "Rebel Without a Cause" (1955).
Click here for more on Screen on the Green.
Read more from WTOP Film Critic Jason Fraley by clicking "Fraley on Film" under the "Living" tab above, following @JasonFraleyWTOP on Twitter, and checking out his blog, The Film Spectrum.
(Copyright 2012 by WTOP. All Rights Reserved.)


text: 5 Charlaine's back on form!natalilly | 06/05/2011 | See all natalilly's reviews (9)I've been a huge fan of the Southern Vampire Mysteries for a while now, and so when 'Dead in the Family' came out I was desperate to read it. I devoured it in a day and was massively disappointed, I said "she's lost it, that was terrible." So when my husband bought me 'Dead Reckoning' this week, I was reluctant to read it. Then curiosity got the better of me and I devoured it in a few hours. What a good book! I think Dead Reckoning is one of my favourite SVM books. There's action, mystery, suspense (I was actually holding my breath at several points) and lots of humour. 'Dead Reckoning' is most definitely a page-turner, and I can see myself reading it again several times before book 12 is released. Oh, and there's a nice mucky scene for fans who like that sort of thing ;)


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- 2013 honda cr z 2
Updated 2013 Honda CR-Z priced at $19,975*
by Jeffrey N. Ross (RSS feed) on Nov 19th, 2012 at 7:28PM
Honda unveiled its updated CR-Z hybrid hatchback at the Paris Motor Show a couple of months ago in its Euro-spec configuration, and with improved performance and fuel economy promised to us under the bright Parisian lights, we have been waiting to see how the changes will affect CR-Z's US version. It looks like Honda has come through by giving the hybrid hatch more power, better fuel economy and refreshed styling, and it has done so while keeping its starting price under $20,000. The 2013 CR-Z goes on sale this week priced slightly higher at $19,975 for the base model and $21,655 for the... Read More


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Since 2004, Simply Chickie, based out of Newport, RI, has offered only the best organic baby clothing and 100% organic cotton baby wear produced in the USA. Certified organic cotton is cotton grown in fields where the use of pesticides has been discontinued for at least 3 years and where rigorous controls help rebuild the soil's natural fertility.
How are the materials produced?
Organic farming is a farming system that relies on natural inputs only. No synthetically produced pesticides or fertilizers are used. Beneficial insects are allowed to flourish to keep pest insects in check. Crop rotations with legumes help maintain fertility and soil microbiology. Weeds are controlled with precision tillage and the old fashioned hoe. The successful organic farm requires much more intensive and innovative management.
Product Inspiration
I craft all of my designs based on inspiration that is sparked from interacting with my daughter, and sometimes her friends. My first design "Inside Me I've Got" occurred when my daughter and I were taking a nap together. Her soft breath on my face made me smile and filled me with wonder, so I wrote a poem about the experience. I printed it on clothing, and "Inside Me I've Got" became my best seller. To create much of the original artwork, I initially cut pieces of beautiful paper found on my travels around the world to form the outline. I then paint in the details as necessary. The design is transposed and enhanced on the computer and ultimately printed on baby rompers, t-shirts, and hats. This entire process is done piece-by-piece–in an authentic fashion–truly handmade.


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It's happy hour! Time to uncork a great bottle of wine, time to mix a few cocktails and time to pour a chilled beer. It's also time to get shopping our unique and fabulous happy hour-ready selection of home bar décor! That's right, just in time for your cocktail party, fun get together with friends or quiet evening at home, we've updated our incredible line-up of home bar must-haves to include our favorite bar accessories yet.
The home bar is open! At least that's what our fun lighted bar sign will let everyone know. A retro-inspired, stylish and totally fun way to light your home bar, this lit sign is set to make any home bar stand out from the rest. In home bar décor doesn't get any more stylish than this.
Shopping for a beer lover? Any beer lover knows it. There's nothing quite like a refreshing beer after a long day at work. There's nothing quite like a pitcher of beer shared with buddies and a sports game. And there's quite simply nothing like pouring your beer into a customized beer glass. No wonder then that you'll find a wonderful line-up of personalized beer glasses, beer mugs and beer pitchers within our selection of personalized bar décor. Shop now and discover personalized pub glasses, rustic ceramic beer mugs and a whole range of beer glasses to suit everything from lagers to IPAs. Cheers!
And that's not all we have in store, because alongside our great collection of unique bar décor, and bar essentials we even feature craft brew kits as well. Consider it the ultimate in bar decorations: Your very own keg of homemade beer! Combining all the fun of brewing your own special beer, without the fuss, mess and expense of creating your very at home brewery, our Mr. beer brewing kit will help any hop aficionado dip into the world of brewing at home effortlessly.
Or, if it's gifts that set the scene for a great evening with friends that you want you'll find nothing better than our unique bar decorations including retro and vintage-inspired pub signs, sports bar signs or wine cellar signs. Each of these home bar decorations comes with its very own distinctive twist, which makes a perfect hostess gift! For the wine cellar or tasting room, consider a sign that's made from a wine barrel. For a sporty vibe, check out our pub signs that can be customized to feature the baseball, football, soccer ball or basketball design of your choice – not to mention a name.
Want bar décor with a functional twist? Then you'll love our liquor and cocktail gifts that are set to become practical favorites. Think pub trays saving bar-tops from spills. Think drinks coasters that will protect surfaces from sticky marks. And, think personalized bar towels for catching drips and you'll have just a few of the choices we have in store for transforming an average home bar into a beer den!
Need essentials? We feature a huge range of must-haves with a personalized decorative feel. Go for custom flasks and corkscrews with a vintage vibe. Go for cool stainless steel wine stoppers. And go for super modern and super cool cubist martini sets and you're sure to wrap up a bar gift that's shaken or stirred – their choice!
Whatever you choose, you can rest assured that your quality pick will impress. And you're bound to love the many other benefits of shopping Red Envelope, like easy-to-navigate gift departments, handy customer product reviews, quick checkout and speedy shipping options. There's no simpler way to shop the very best of the web all from the comfort and convenience of your home or office computer. Shop the entire selection today, we're ready to make your bar gift extra special.
* Certain products not eligible for discount (including clearance items), and such designation shall appear on the product detail page. Discount will appear upon checkout and cannot be combined with other offers or discounts. Discount does not apply to gift cards or certificates, same-day delivery, shipping and handling, taxes, third-party hosted products (e.g. wine).


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New Arrivals
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Embraceable Spotted Leopard Ivory Hooded Robe
You'll adore taking cover in our new Embraceable™ hooded robe with a thick, plushy softness that feels so good! It's the best gift, like sending someone a warm embrace. Don't forget to add a pair of Embraceable™ ultra plush slippers in matching spots.
- Generous wrap front and cuffs you can roll back.
- Charmeuse belt loops; removable self tie reverses to satin charmeuse.
- Inside tie for secure closure.
- Satin charmeuse piping on edges, welt pockets and sleeve.
- Pockets lined in soft satin charmeuse.
- Locker loop.
- From our Embraceable™ collection. The softest, most luxurious in the world.™
- 100% Polyester. Machine wash, cold. Imported.
We're so sorry: this item sold out sooner than expected. For an equally comfortable substitute, please call our Solution Experts at 1.866.768.7662. Or click on Soma Chat below for immediate assistance.