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News..Exclusives..Relationships..Everything You Need To Know & YES The Word of God
Friday, January 11, 2013
Tears as Driver Allegedly killed by LASTMA is Buried
Family members and friends especially bus drivers and conductors thronged his residence to pay their last respects. Tears flowed freely at the lying-in-state held before the burial. As the dust-to-dust rites were about to begin, his widow, Modupe, repeatedly lamented, "My husband is gone."
May his soul rest in peace.
13 comments:
- kendra11 January, 2013 18:28
Awww.. Rip.. May God console the widow and her kids...ReplyDelete
- Anonymous11 January, 2013 18:41
Very sadReplyDelete
- Ginika11 January, 2013 18:58
Rest in peace. Amen.ReplyDelete
- Anonymous11 January, 2013 19:08
Amen ! So sadReplyDelete
RIPT TO THE LATE VICTIMS... more news and gist here at http://www.gistyinka.comReplyDelete
- Anonymous11 January, 2013 20:37
don't underestimate these commercial drivers oh ... see this man was buried in his own houseReplyDeleteReplies
- Fatimah11 January, 2013 23:20
What's the State Govt saying about the family?
Dumbest comment i've heard in a while mtcheewww.Delete
- Anonymous12 January, 2013 09:13
Pray tell why it is dumb?Delete
- Laduns biggest fan12 January, 2013 14:42
I agree with the first anon. The comment isn't dumb except you didn't understand the meaning of what the anon said. Who's the dumbness on now?Delete
Omashe, may he rest in peace.
really sad and dying in the xmas period as well the worst time ever may his soul rest in peace o and may GOD guide one from ills and danger in the pursuit of our daily bread..hope fashola looks into retraining for the lastma people because this is getting out of handReplyDelete


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subset: commoncrawl


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Recommendations for a Three-Day Trip in June
- d
- degustingdiary Apr 21, 2012 01:53 PM
I'll be visiting New York for three days in June--three dinners and two lunches--and was hoping to get some help in reifying my dining agenda. Last summer I ate at Per Se, Le Bernardin, Corton, Daniel and Eleven Madison Park. And while I might return to one of those, I would really like to branch out and try a new set of places. The menus at wd~50, The Modern and Jean-Georges caught my eye on first glance, but I'm wondering, for the latter two, would I be missing out if I went for lunch instead of dinner? What would be some other places to consider?
Thanks in advance for your help!
re: whitneybee
Good to know--thanks, whitneybee.
re: degustingdiary
I usually only get a Sat. Lunch/Sat. Dinner/Sun. Brunch each time I visit NYC, and generally try to parlay a big, quasi-upscale Saturday lunch into, like, a 2nd dinner. I've had a great time at Tocqueville ($68 5 course tasting, I think, available), an impressive yet mixed time at Bouley ($55 for a relative bargain prix-fixe), and a briefer-but-still-solid $29 steal from Seasonal Weinbar, all on Saturday lunches within the past few months, and would recommend any of them.
re: BrettLove
Thanks for the suggestions, BrettLove. I had never even heard of Tocqueville until you mentioned it, but they do, indeed, have a five-course tasting menu at lunch. It seems the embarras de choix has begun!
The service and experience at The Modern are the same, lunch or dinner, the only question is whether there are dishes on the dinner menu that you "must have" as there are some dishes only served during the evening.
I had a sub-par experience at J-G, but similarly the service/experience are the same, save for "dinner specific" items.
I'm working on my wd~50 review currently - it should be on the 'must' list, because while not as 'good' as Alinea, it is just completely 'different.' If you don't get the dessert tasting, you are missing out. I'd put Malcolm Livingston II on a very small pedestal for pastry chefs in the US right now.
Since you've already done many of the 'big names,' I contest that Per Se, Corton, EMP, and The Modern are the best restaurants in New York (that I've been to, and in that order - I cannot comment on Brooklyn Fare or Masa) but if you wanted to do something new I'd recommend checking out:
Roberta's - E-mail NOW, see if you can get in for the tasting.
Bouley - The lunch is an absolute steal.
Lincoln - Best Italian in the city, imo.
Ai Fiori - Did not like it as much as Lincoln, but close.
Manzo (or Babbo) - Apparently both doing lunch now.
Momofuku Ssam - Lunch if you like duck, dinner otherwise.
Minetta Tavern - If you just want some damned good food at midnight.
The Dutch - lunch, or brunch, or just for dessert at midnight.
re: uhockey
Thanks for sharing your insights, uhockey. It was the dinner tasting menu at The Modern that I found spellbinding, and based on the company in which you put it, I'm definitely going there.
I read mixed reviews of Bouley: your meal seemed really good, whereas ulterior epicure described two lousy experiences.
And yes, I was planning on doing the dessert tasting at wd~50; I hold some of Jordan Kahn's sweet creations in high esteem, so I'm curious to see how Livingston's compare. Looking forward to your review!
re: degustingdiary
I'd put Malcolm and Jordan on the same level. Shawn Gawle at Corton would also qualify. Jiho Kim at L'Espalier, Adrian Vasquez at Providence, and Kamel Guechida at Robuchon to round out the list.
re: uhockey
Lincoln is better than Ai Fiori? Then it must be fantastic! Do they emphasize a particular regional cuisine? Unusual name for an Italian restaurant; it sounds like it should serve good old American fare.
re: Pan
It's at Lincoln Center and the chef is Jonathan Benno (ex-Per Se).
re: kathryn
Thanks, Kathryn. It looks like brunch or lunch would be the thing to do - 2 dishes for $32 plus extra for dessert and wine if I so choose. Dinner is punishingly expensive. Which dishes do you find the most outstanding that are on the lunch/brunch/dessert menus?
re: Pan
No way to tell - the menu changes (literally) daily. They stamp the menus with dates. That said, the gnocchi is always there (with different toppings) and I've heard his treatment of duck and chicken are outstanding.
As he is just as controlling in the kitchen now as he reportedly was at Per Se (I could see him from my seat all night) I'd recommend ordering whatever sounds best to you and trusting that the ingredients and execution will be up to the standard of one of the city's 5 best chefs.
re: uhockey
Thanks, uhockey. I'll probably get lunch reservations there for the next celebration.
Hi all,
Thanks for all of your help and recommendations! I still have one more day in New York but wanted to share a short write-up of a disappointing dinner I had tonight at wd~50 (the rest of the photos are on my blog):
It's not everyday that one hears a server and a bartender joking about bedding a mother and daughter two-top (and the ensuing therapy they would need) in a Michelin-starred establishment. Indeed, I have a fairly large sample from which to draw, and I can't say I've ever been within earshot of such a sordid confab in a restaurant.
Even if I were to overlook that cassoulet of claudication, I still wouldn't have much praise to shower on wd~50. Yes, the dense soufflé-like scrambled egg ravioli was as delicious as I hoped it would be, but that plate also included wholly superfluous slices of kanpachi, as if someone placed them there when Chef Dufresne wasn't looking. The one course for which I couldn't find fault was the slightly tart but also thoroughly refreshing aerated yuzu ice cream. The same could not be said of the "Amaro Yolk, Chicken Confit, Peas 'N' Carrots": while a clever use of trompe l'oeil with carrot orbs made to look like peas, it was marred by a gummy cured duck yolk and an unpleasantly mealy chicken confit.
Initially, I was miffed when seated at the bar--despite making a reservation thirty days in advance--unable to occupy a table as a solo diner.* It didn't take long, however, for me to be thankful, as I was able to order four courses that piqued my interest and leave within forty-five minutes, having incurred minimal financial damage, and with no intention of ever returning.
* A compact two-top, I noticed, remained vacant throughout my brief meal.
re: degustingdiary
"Cassoulet of claudication" - three cheers!
Hi all,
Below is my short write-up from lunch at Jean-Georges (the rest of the photos are on my blog):
Four courses. And four separate exercises in deceptive complexity, perhaps none more so than the terrine of foie gras and seared scallops. The puck of cholesterol is veiled by a litany of crisp viands: pumpkin seeds, granola and almost undetectable flecks of fleur de sel. Then there's the salty-sweet amalgam undergirding three molluskan coins; the sauce on first glance may seem to be plated heavy-handedly, but trust me, you'll want to sop up every last drop. And I succumbed to the herd of independent minds--blush--and ordered the molten chocolate cake and couldn't have been happier because it was delicious, tout court.
Almost as enjoyable as the food were my dining companion's reactions: the sealed lips ceding to a gaping smile, the inquisitive stare yielding to eye-widening disbelief. It was his first time in a three-star Michelin restaurant and gave me a glimpse into what my expressions must have been like at Per Se last July.
With Shahin, our omnibeaming captain, handling our table, there weren't any toe-stubbing moments during lunch proper. I will say, however, that I was a bit put off by the discrepancy between the $98 six-course lunch tasting menu the reservationist described thirty days before our meal and the actual $130 price tag that doesn't even include Egg Caviar,* but it's not enough to prevent me from re-visiting Jean-Georges' flagship nor from recommending it to those looking to experience a three-star Michelin restaurant at an affordable price.
*Carrying a $30 supplement, it's one of five items that carry a surcharge.
Hi all,
Below is my paean to Eleven Madison Park (with the entire set of photos on my blog):
"Eleven Madison Park Sodomizes Its Roasted Ducks with Lavender Shrubs: Help Stop the Abuse."
So would read the newsletter headline if PETA opted to take its crackpot antics--protesting outside of restaurants (Melisse), sabotaging restaurants (Son of a Gun) and threatening chefs (Laurent Manrique, Bryan Pease etc.)--to New York. As is often the case, though, they would be wrong: EMP treats that fowl with the utmost care and prepares it faultlessly.
During my two lunches and over six hours in the high-ceiling palazzo, Executive sous chef Bryce Shuman --charm incarnate--kept his hand on the pleasure spigot and increased the intensity with each succeeding hour. Meals started with canapés that progressed in a cascade of tastes and temperatures: chilled Greek yogurt lollipops studded with fried lentils, room temperature rounds of toasted brioche topped with a sunny side up quail egg and the most deliciously torrid corn soup it has ever been my pleasure to eat.
And then there are the final introductory treats; these are to dramatic what David Hasselhoff is to dipsomania: its very essence. On one visit, the restaurant offered its interpretation of a modern New England clam bake, replete with the aforementioned corn soup, a palate-cleansing bowl of cool viands and a small nugget of zucchini bread that is without tension. On another, Bryce approached the table carrying a cloudy glass enclosure and with an impish grin requested, "No peeking." The visually stunning tribute to New York fare included, inter alia, smoked sturgeon, a magnanimous tin of caviar and crème fraîche and house-made pickles.
When you finally get to the actual tasting menu over one-hour into the meal, you're bowled over by the beauty of the kitchen's offerings. Indeed, the kitchen at Eleven Madison Park seems to be working in HD, painting each porcelain plate with resplendent hues, while other restaurants on my trip seem to have only just discovered VHS.*
There's tender lobster with elegantly undulating charred leeks, all of which rests on a glistening squid ink-laced shellfish bisque so flavorful you'll have no choice but to make copious use of a whole wheat roll, the texture of which is tantamount to the most ethereal croissant. A morel composition with al dente peas, gelatinous tripe and fried quinoa that encourages you to conduct a series of experiments with your fork. And a chocolate and lavender dessert with the faintest dusting of orange zest. And before you leave, your pockets are lined with a collection of confections--granola, a house-made Twix bar, cookies--which have the effect of extending the meal's thrills for days.
In two lunches only once did a dish venture slightly out of equilibrium when a hamachi crudo was dwarfed by bracingly bitter sorrel and shaved horseradish. This very likely could have been a case of the kitchen revealing that they are, indeed, human.
Gary Vaynerchuk has been wont to say that the internet is dominating and only just hit puberty. Well, Eleven Madison Park, under Chef Daniel Humm and General Manager Will Guidara, has experienced an even quicker maturation, dominating while still in toddlerhood. After enjoying the extended tasting at Per Se and the tasting menu at Eleven Madison Park back-to-back, I asked my dining companion, if you could only return to one restaurant which would it be? "It'd be a coin flip," he said. If it came to that, I surely hope the folks at EMP tamper with the coin!
* To be fair, I think Per Se deserves the same compliment.
Here's my report from dinner at Corton (only two write-ups left!):
Chocolate-covered scallops, espuma of calf's brains and foie gras, apple-wasabi sorbet with olive oil, braised pork cheeks and caviar. Those are just a sample of combinations that appear in A Matter of Taste, the HBO documentary chronicling Chef Paul Liebrandt's post-Papillon peregrinations.
During my most recent meal, there certainly was no shortage of tantalizing dish descriptions: roast chicken ice cream with white asparagus velouté (or "milk" as described on the menu), crayfish tortellini with burnt eggplant meringue. And yet, the food never came close to generating the same level of delight as it did on the first go-round, wherein I wrote a real gusher.
That white asparagus soup was watery, resulting in a Sisyphean struggle just to get it to stay on the spoon. At least on that occasion our table was marked with utensils, which wasn't the case with the morel mushroom chawanmushi, as we waited and waited some more before spoons finally arrived. And the unpalatable saffron-yuzu mochi is a memory on which I hope darkness will soon descend.
Let me not give the impression that Corton has somehow atrophied beyond recognition. There was the seductively salty Scotch quail egg tempered by apricot gelée and an august arrangement of rabbit, including a burger with ramp mayonnaise, tender loin and shoulder meat and a cucumber gelée-topped mousse. In the backdrop hid a tiny supreme of grapefruit that jolted the palate amid the carousel of leporine parts. And pastry chef Shawn Gawle's graceful sourdough ice cream sitting atop a terrine of smoked maple and sour cherry proved to be one of the tastiest desserts on my trip.
But in the end, the stentorian conversations from some of the larger parties detract from the ambiance. And the uninviting, amateurish service becomes too annoying to brook. I hope my experience was abberational, but I'm in no hurry to find out.
Last report of The Modern Dining Room. The rest of the photos are on my blog: http://degustingdiary.blogspot.com/. Thanks again for your help in making my trip so memorable.
I didn't expect The Modern to reach the three-star altitudes I had witnessed earlier in the week. And it didn't. The lemon verbena and cinnamon-laced popcorn was stale. The yuzu marinade on four formidable langoustines masked any trace of top-of-the-sea freshness the crustaceans once bore; that plate also had a bewildering abundance of cucumber, far more than I knew what to do with.
But there were also moments rich with excitement: a tantalizing cloud of applewood smoke filled the air as a server removed the plate's carapace, revealing a smoky, caviar-laden sturgeon-sauerkraut amalgam in a flaky tart shell. And that was soon followed by a delicately poached farm egg that explodes across the bowl upon knife pressure as if it were in a Tarantino film. Now I'm not one to profess a meretricious devotion to egg dishes, but the one-sided salt onslaught--parmesan, olive tapenade and Iberico ham--paired with the egg worked wonderfully. Dessert became a delightful ordeal, a hedonistic treadmill, highlighted by a towering pineapple-citrus macaron that went on being a joy for ten minutes.
Service was stellar throughout with my section of the dining room managed deftly by Erin, blonde and bespectacled, with an endearing awkwardness, the kind characteristic of many academics. I'm convinced I had one of the best seats in the restaurant: looked after by Erin, overlooking the MOMA sculpture garden, far away from the blaring bar and next to an investment banker on a date--with nary a chance of amatory success-- with a woman palpably oozing boredom as the hours passed; when not enmeshed in the complexities of a course, I was sustained--nourished at times--by the catastrophe-prone confabs of these two. I couldn't have planned it better if I had tried.


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- Home
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- Virtual TrainerSteroid Use Awareness
Anabolic – Androgenic Steroid Information
What are Anabolic – Androgenic Steroids?
Anabolic – Androgenic Steroids (AAS) are synthetic compounds which are based on the structure of testosterone. Testosterone promotes the development and maintenance of secondary male sexual characteristics, which are known as androgenic effects and the promotion of muscular growth or anabolic effects. Synthetic compounds are created to delay the rapid degradation of the testosterone in blood levels and intensify the anabolic effects but limiting the androgenic effects. Because of the alterations in the testosterone structure – changes occur in the anabolic and androgenic ratios creating side effects of the drug. To date – no AAS exist which eliminate the androgenic effects while magnifying the anabolic effects (Haff).
Types of AAS
- Class I modifications: injectable
- Class II modifications: Oral, either by absorption through the cheek or swallowed. (Weaker than Class I, but more prone to causing liver complications.
- Class III modifications: Both Oral & Injectable
*AAS can be delivered to the body in several ways: 1) Oral Consumption, 2) Intramuscular Injections, 3) Transdermal (Patches, creams, gels) 4) Nasal Sprays, and 5) implantable pellets
*Regardless of Delivery method – AAS users use dosages larger than medical dosages, and most that use AAS, utilize an average of 5 different delivery methods (Haff).
Physiological Effects
Increases in fat-free mass, muscular size, and muscular strength, however there's is little evidence to support a beneficial role of AAS in other types of exercise performance such as muscular endurance and aerobic performance (Friedl, 139).
Scalp Hair loss, liver toxicity, jaundice, liver tumors, male infertility, suppression of high density lipoproteins cholesterol (HDL – AKA Good Cholesterol), Gynecomastia (breast tissue development), Acne, Heart Disease, Hypertension, and myocardial damage (damage to heart muscle) (Friedl, 175).
Current Wellness Center Policies
The Wellness Center is a substance-free facility. Users must agree to take reasonable precautions to prevent the possession or use of alcoholic beverages, illegal drugs and tobacco products in the Wellness Center. See the University Of North Dakota Code Of Student Life: General University Policies, section 1-5 and 1-6 for complete policies regarding smoking, alcohol, and drug use (UND Wellness Center Participant Policy Manual, 2010, p 47).
UND Code of Student Life
Illegally using, possessing, and/or selling a drug or narcotic, manufacturing drugs or narcotics, possessing drug paraphernalia, setting up or possessing laboratory equipment for the purpose of making drugs or narcotics. Students are expected to abide by local ordinances and state and federal laws regarding the consumption or possession of drugs.
Violation of UND Code of Student Life may result in Written Reprimand, Warning Probation, conduct Probation, Suspension or Restriction from campus facilities, buildings, services or events; residence hall transfer, dining restrictions, removal or ban from residence halls, Suspension/restrictions for parking on campus and university streets, restitution to the university, Mental Health referrals, Community services, Participation in campus lectures or workshops for educational purposes, Suspension (time based & indefinite) (University of North Dakota Code of Student Life, 2011, pp. 13-16).
ND State Laws
The state of North Dakota has the Authority to Control (19-03.1-02) all controlled substances which includes Anabolic Steroids: Unless specifically excepted or unless listed in another schedule, any material, compound, mixture, or preparation that contains any of the following anabolic steroids:
a. 3beta,17-dihydroxy-5a-androstane;
b. 3alpha,17beta-dihydroxy-5a-androstane;
c. 5alpha-androstan-3,17-dione;
d. 1-androstenediol (3beta,17beta-dihydroxy-5alpha-androst-1-ene);
e. 1-androstenediol (3alpha,17beta-dihydroxy-5alpha-androst-1-ene);
f. 4-androstenediol (3beta,17beta-dihydroxy-4-ene);
g. 5-androstenediol (3beta,17beta-dihydroxy-androst-5-ene);
h. 1-androstenedione ([5alpha]-androst-1-en-3,17-dione);
i. 4-androstenedione (androst-4-en-3,17-dione);
j. 5-androstenedione (androst-5-en-3,17-dione);
k. Bolasterone (7alpha,17alpha-dimethyl-17beta-hydroxyandrost-4-en-3-one);
l. Boldenone (17beta-hydroxyandrost-1,4,-diene-3-one);
m. Boldione (androsta-1,4-diene-3,17-dione);
n. Calusterone (7beta,17alpha-dimethyl-17beta-hydroxyandrost-4-en-3-one);
o. Clostebol (4-chloro-17beta-hydroxyandrost-4-en-3-one);
p. Dehydrochloromethyltestosterone
q. Delta-1-dihydrotestosterone (also known as '1-testosterone')
r. Desoxymethyltestosterone (17a-methyl-5a-androst-2-en-17ol) (also known as
4-dihydrotestosterone (17beta-hydroxy-androstan-3-one);
t. Drostanolone (17beta-hydroxy-2alpha-methyl-5alpha-androstan-3-one);
u. Ethylestrenol (17alpha-ethyl-17beta-hydroxyestr-4-ene);
v. Fluoxymesterone (9-fluoro-17alpha-methyl-11beta,
w. Formebolone (2-formyl-17alpha-methyl-11alpha,
x. Furazabol (17alpha-methyl-17beta-hydroxyandrostano[2,3-c]-furazan);
y. 13beta-ethyl-17alpha-hydroxygon-4-en-3-one;
z. 4-hydroxytestosterone (4,17beta-dihydroxy-androst-4-en-3-one);
aa. 4-hydroxy-19-nortestosterone (4,17beta-dihydroxy-estr-4-en-3-one);
bb. Mestanolone (17alpha-methyl-17beta-hydroxy-5-androstan-3-one);
cc. Mesterolone (1alpha-methyl-17beta-hydroxy-[5alpha]-androstan-3-one);
dd. Methandienone (17alpha-methyl-17beta-dihydroxyandrost-1,4-dien-3-one);
ee. Methandriol (17alpha-methyl-3beta,17beta-dihydroxyandrost-5-ene);
ff. Methenolone (1-methyl-17beta-hydroxy-5alpha-androst-1-en-3-one);
gg. 17alpha-methyl-3beta,17beta-dihydroxy-5a-androstane;
hh. 17alpha-methyl-3alpha,17beta-dihydroxy-5a-androstane;
ii. 17alpha-methyl-3beta,17beta-dihyroxyandrost-4-ene;
jj. 17alpha-methyl-4-hydroxynandrolone
kk. Methyldienolone (17alpha-methyl-17beta-hydroxyestra-4,9(10)-dien-3-one);
ll. Methyltrienolone (17alpha-methyl-17beta-hydroxyestra-4,9(11)-trien-3-one);
mm. Methyltestosterone (17alpha-methyl-17beta-hydroxyandrost-4-en-3-one);
nn. Mibolerone (7alpha,17alpha-dimethyl-17beta-hydroxyestr-4-en-3-one);
oo. 17alpha-methyl-delta1-dihydrotestosterone
(17bbeta-hydroxy-17alpha-methyl-5alpha-androst-1-en-3-one) (also known as
pp. Nandrolone (17beta-hydroxyestr-4-en-3-one);
qq. 19-nor-4-androstenediol (3beta,17beta-dihydroxyestr-4-ene);
rr. 19-nor-4-androstenediol (3alpha,17beta-dihydroxyestr-4-ene);
ss. 19-nor-5-androstenediol (3beta,17beta-dihydroxyestr-5-ene);
tt. 19-nor-5-androstenediol (3alpha,17-beta-dihydroxyester-5-ene);
uu. 19-nor-4-androstenedione (estr-4-en-3,17-dione);
vv. 19-nor-4,9(10)-androstadienedione (estra-4,9(10)-diene-3,17-dione);
ww. 19-nor-5-androstenedione (estr-5-en-3,17-dione);
xx. Norboletheone (13beta,17alpha-diethyl-17beta-hydroxygon-4-en-3-one);
yy. Norclostebol (4-chloro-17beta-hydroxyestr-4-en-3-one);
zz. Norethandrolone (17alpha-ethyl-17beta-hydroxyestr-4-en-3-one);
aaa. Normethandrolone (17alpha-methyl-17beta-hydroxyestr-4-en-3-one);
bbb. Oxandrolone (17alpha-methyl-17beta-hydroxy-2-oxa-[5alpha]-androstan-3-one);
ccc. Oxymesterone (17alpha-methyl-4-17beta-dihydroxyandrost-4-en-3-one);
ddd. Oxymetholone (17alpha-methyl-2-hydroxymethylene-17beta-hydroxy
eee. Stanozolol
fff. Stenbolone (17beta-hydroxy-2-methyl-[5alpha]-androst-1-en-3-one);
ggg. Testolactone (13-hydroxy-3-oxo-13,17-secoandrosta-1,4-dien-17-oic acid
hhh. Testosterone (17beta-hydroxyandrost-4-en-3-one);
iii. Tetrahydrogestrinone
jjj. Trenbolone (17beta-hydroxyestr-4,9,11-trien-3-one);
or any salt, ester, or isomer of a drug or substance described or listed in this
subsection, if that salt, ester, or isomer promotes muscle growth
The term does not include an anabolic steroid that is expressly intended for
administration through implants to cattle or other nonhuman species and which has
been approved by the secretary of health and human services for administration
unless any person prescribes, dispenses, possesses, delivers, or distributes for
human use. (North Dakota State Laws, pp. 13-14)
Where to get help?
Counseling Center http://und.edu/student-life/counseling-center
McCannel Hall, Room 200
How to report abuse of Steroids?
Dean of Students – 701-777-2664
University Police Department – 701-777-3491
Grand Forks Police Department – 701-787-8000
Friedl, Karl E. (2000) Effects of Anabolic Steroids on Physical Health. In Yesalis, Charles E. (Ed.) Anabolic Steroids in Sport and Exercise. (pp. 175-223). Champaign, IL: Human Kinetics.
Friedl, Karl E. (2000) Effects of Anabolic Steroid Use on Body Composition and Physical Performance. In Yesalis, Charles E. (Ed.) Anabolic Steroids in Sport and Exercise. (pp. 175-223). Champaign, IL: Human Kinetics.
Haff, G. Gregory. (n.d) Anabolic-Androgenic Steroids. Paper present as part of the NSCA Hot Topic Series. Paper retrieved September 19, 2011, from http://www.nsca-lift.org/HotTopic/download/Anabolic%20Steroids.pdf
North Dakota State Laws Chapter 19-03.1-09 Schedule III Uniform Controlled Substances Act (n.d.) Retrieved from http://www.legis.nd.gov/cencode/t19c03-1.pdf
University of North Dakota Code of Student Life (2011-2012). Retrieved from http://und.edu/student-affairs/code-of-student-life/_files/docs/code-of-student-life.pdf
UND Wellness Center Participant Policy Manual (July 9, 2010). Retrieved from http://und.edu/health-wellness/wellness/facility/participant-policy-manual.pdf


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Everyone is talking about Madonna's Super Bowl halftime show, putting it among the most buzzworthy entertainment performances in Super Bowl history. Check out some of the others.
But it was Michael Jackson's 1993 halftime show that set the bar for future Super Bowl performances. He grabbed more ratings than the game itself, and his performance became one of the most watched events in TV history.


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A career opportunity with Mutual of Omaha can provide you with:
· Unlimited income potential, plus bonuses and other awards
· Financial support during your first two years to help you build your business
· Worldwide incentive travel
Be in business for yourself but not by yourself! Mutual of Omaha has:
· One of the best comprehensive training programs in the industry
· Turn-key programs dedicated to getting you off to a fast start
· Local and regional business and marketing support
Clearly defined career path to support your future growth through:
· Financial Advisor specializing in protecting families and businesses against risk and life's uncertainties
· Sales Management
· Niche markets specialist
Products and Services
As a full-service provider, Mutual of Omaha has access to a wide range of protection and wealth management products to help advisors customize a plan to fit their client's needs. As an advisor, you will be able to offer your clients:
· Annuities
· IRAs
· 401(k) & 403(b) Plans
· Mutual Funds
· Variable Annuities
· Publicly Traded Stocks & Bonds
· ETFs
· Life, Long-Term Care, Disability, Critical Illness,
and Medicare Supplements
· Annuities
Advisory Programs & Services
· Mutual Fund Wrap Accounts
· Separately Managed Accounts
· Fee-Based Financial Planning
· Fee Based 401(k) Plans
College Planning
· 529 College Savings Plan
· Investments
Job Requirements and Expectations
· Reliable transportation
· Sales Experience and/or college degree
· Life and health insurance license or willingness to obtain one prior to start date
· Excellent communication skills
· Consent to a criminal and credit background check
· The ability to work independently
· A basic understanding and belief in insurance and investment planning
Additional Considerations:
Special consideration will be given to applicants that have:
· Securities licensing (i.e. series 6, 63, 65, 7, 66)
· Financial or insurance designations (i.e. CFP, CLU, LUTC, etc.)
· Prior industry or entrepreneurial experience
· Making warm phone calls to set professional consultative appointments with clients
· Presenting products and retirement solutions face to face with clients
· Professional appearance
If you are interested in learning more about the opportunities with Mutual of Omaha please visit our agency website at http://www.donlillyagency.com/career-opportunities and fill out the "connect with us" section on the right of the page, or simply contact us directly at 800-827-5916 x225. We look forward to hearing from you.
Mutual of Omaha
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Happy Friday, Scrappers!
It's been a long week and I'm SOOOO happy that we made it to Friday!
This week I have released my October 2013 Grab Bag! The grab bag is on sale for $5 and the additional coordinating packs are 40% off.
October 2013 Grab Bag Sale
Haunting Halloween Collection
My team did an amazing job with this collection, here are a few of their pages to inspire you!
Have a great weekend!
Connie Prince


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Browse Archives By:Date Alphabetical
Nov 18 2010
High Res Download: Beauties
Here's an updated high resolution version of an old mustang photo I shot. Feel free to download it, use it as your desktop background, print it out, make it into a calendar page, or use it as a dartboard. It's yours! (I've found that linking to the photo's page on [...]
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Sep 04 2010
High Res Download: Flying Charlie
I realize this won't necessarily fall under the category of high-res photos you'll want to print and hang on your living room wall. But it might make an inspirational desktop background. If Charlie, my short-legged Basset Hound with zero energy, can leap across hay bales in a [...]
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Dec 15 2010
High Res Download: Golden Grass
I'm continuing to update my file of free high-res downloads. Here's "Golden Grass"—a shot I snapped a couple of years ago on a sunny morning on the ranch as I was pumping myself with Folgers and trying desperately to wake up enough to remember my name. Feel free to [...]
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Aug 13 2010
High Res Download: Mustangs
Here's the second of the updated high res downloads. Print it out, use it as your desktop background, or hang it on the ceiling of your bedroom like I did with that poster of the Soloflex guy in 1984. Yes, it's true. Anyway, the mustangs are yours to use as you will: Mustangs [...]
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Sep 06 2010
High Res Download: Redheads
I'm still updating all the links to my old high-res downloads, and I thought I'd try giving you the link to this photo's Flickr page, where you can choose whatever size floats your boat. Here it is: "Redheads" – All Sizes on Flickr While we're at, [...]
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Aug 11 2010
High Res Download: Two Cows
For the next few days, I'll be updating the high-res download files on PW Photography (many were affected when I switched to the new site.) Once I get all the old ones updated, I'll start adding some new ones for you. I'll start with the cows. Because of the color of the [...]
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Aug 22 2012
Redheads, From Me to You
Since it's been a couple of years, I thought I'd re-post the link to the high-res version of this "Redhead" shot. Feel free to download it, make it your desktop background, print it out, frame it, make it into a greeting card…whatever makes you happy! [...]
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Aug 20 2012
Two Cows, From Me To You
Because of the color of the wheat grass on which they're standing, because of the subtle tones of their hair, because of the moment in time when they stopped their grazing and posed for my camera, this photo of two cows will always be one of my favorites. I've offered this [...]
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Investigators from NTSB probe Will County plane crash site
By Tony Graf firstname.lastname@example.com December 5, 2012 8:16AM
Investigators continue their work at the site of a plane crash in Manhattan Township, Illinois, Wednesday, December 5, 2012. | Joseph P. Meier~Sun Times Media
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Updated: January 7, 2013 7:12AM
The wreckage of a fatal plane crash in Manhattan Township was being recovered Wednesday and will be moved to another location, federal authorities said.
The National Transportation Safety Board, the lead investigative agency for plane crashes, was expected to be in the area Thursday — continuing its investigation into the small-plane crash that occurred Tuesday afternoon southwest of Manhattan.
Investigators from the federal agency were at the site Wednesday, looking at the wreckage from the crash in a field southwest of Gougar and Offner roads.
"Part of what we will be doing is seeing if there were any witnesses to the crash," agency spokesman Keith Holloway said.
The agency also examines the pilot's history, radar data and air-traffic control communications, Holloway said.
"We are in a fact-gathering stage of the investigation," he said.
Under federal law, the agency is responsible for investigating and determining the probable cause of every civil aviation accident in the United States. Investigations take between one and 1-1/2 years to complete.
An autopsy on the crash victim, Larry A. Diffley, 74, of Bemidji, Minn., was scheduled for Wednesday, the Will County coroner's office said. No update was released Wednesday afternoon.
Diffley was pronounced dead at 4:45 p.m. Tuesday. The cause and manner of his death are pending investigative, autopsy and other reports.
Federal investigators arrived around 7:45 a.m. Wednesday to inspect the wreckage.
Before 8 a.m., inspectors from two oil companies were also at the crash site to inspect the damage. According to reports four pipelines run through the fields in the area near the crash.
Diffley was contracted by Enbridge Energy to inspect their pipeline from the air when the crash occurred, Will County sheriff's police said.
Contributing: Brian Stanley


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Saint Aquilinus of Fossombrone
Third century martyr. No other information has survived.
- martyred at Fossombrone, Italy
- Book of Saints, by the Monks of Ramsgate
- Heiligen 3s
- Our Sunday Visitor's Encyclopedia of Saints
- "Saint Aquilinus of Fossombrone". Saints.SQPN.com. 3 February 2013. Web. 29 December 2014. <>


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Currently you can buy Paula's Choice products directly from this site and a few top-rated products from other brands are available via links to affiliate websites. We review and recommend products from other brands because we are dedicated to helping you find the best products for your skin, whether they're from Paula's Choice or other lines.
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China Clay Purifying Masque is a very standard clay mask that contains token amounts of mostly soothing plant extracts that are claimed to brighten the complexion. They won't do that, but this absorbent mask is still a worthwhile, if pricey, option for those with normal to oily or blemish-prone skin.
Finely-milled, deeply cleansing China clay draws out oils and dirt. Balancing herbs include mung bean to soothe skin, and black sesame for moisture. Never drying; leaves skin moist and glowing.
Water, Kaolin, Propylene Glycol, Magnesium Aluminum Silicate, Propylene Glycol Stearate, Stearic Acid, Glyceryl Stearate, PEG-100 Stearate, Prunus Persica (Peach) Seed Extract, Phaseolus Aureus (Mung Bean) Germ Extract, Sesamum Indicum (Black Sesame) Seed Extract, Punica Granatum (Pomegranate) Peel Extract, Morus Alba (Mulberry) Leaf Extract, Lonicera Japonica (Wild Honeysuckle) Flower Extract, Polysorbate 60, Triethanolamine, Iron Oxides, Xanthan Gum, Methylparaben, Propylparaben, DMDM Hydantoin
The goal of the Wei East skin-care line is to bring Chinese herbal remedies together with Western cosmetics science, a fusion aimed at creating products that provide the best ingredients of the present with those of the ancient past. Many of the ingredients are unique to this line. Yet, aside from the claims, the inherent problem with this concept is that there is very little proof, beyond anecdotal evidence, that any of the chosen Chinese herbs and various plant extracts have benefit for skin. Of course, that fact didn't stop Wei East from assigning all manner of benefits to such romantic-sounding ingredients as white lotus, lily, and Chinese rose.
The good news is that some of the less-exotic plant extracts in these products do have a reasonable amount of research backing up the claims they make for having a positive impact on skin. Not surprisingly, Wei East, just like hundreds of other cosmetics lines, also takes their claims far beyond reality. None of these ingredients, from China or anywhere else on earth, will restore aging skin to its youthful state.
Wei East also claims to offer a "wide range of skincare products [that] meet the unique needs of various skin types," yet there are no products to address acne or blackheads, no AHA or BHA exfoliants, and, most surprisingly, not a single sunscreen (how did they miss that quintessential skin-care need?). A skin-care line without a well-formulated sunscreen hasn't really got its feet on the ground, and must be using research from the turn of the century. Also, you can ignore Wei East's statement that their products are 100% irritant-free because several of the plants they include are irritating. They also claim that the herbal extracts in these products are picked and packed at their peak of freshness, but why would a company so concerned about the freshness and potency of natural ingredients package so many of its products in jars, exposing these substances to deteriorating light and air? What a sad oversight.
Although this is a fairly pricey line, there are some commendable products. The cleansers are all adept at their jobs and also facilitate makeup removal; there are some topical scrub options; and the excellent China Herbal Eyes Alive is recommended, although not because it banishes dark circles and puffiness as claimed. Watch out for the toners and any of the treatment products, which either contain dubious or irritating ingredients or are simply a waste of time and money.
For more information about Wei East (pronounced "way east"), call (888) 934-3278 or visit www.weieast.com.
Paula Begoun is the best-selling author of 20 books on skin care and makeup. She is known worldwide as the Cosmetics Cop and creator of Paula's Choice. Paula's expertise has led to hundreds of appearances on national and international television including:
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|Product Catalog > Retail Catalog > Kick > Sand Filled Footbag Line-Up > Stellar Staller "Glow in the dark " 3 Pack
Stellar Staller "Glow in the dark " 3 Pack
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Get three Stellar Staller Dirtbagsź and have fun at night with this great glow in the dark footbag offering. The Stellar Staller is our best selling new model. Get your 3 pack today.
Weight: 50 -55 grams
Diameter: 1.8"


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A new survey released by the New York Council of School Superintendents has some shocking news for the North Country. It's no secret that money has been tight for those schools, but as our Barry Wygel tells us, the clock is ticking before money runs out.
NORTH COUNTRY, N.Y. -- Half of all North Country schools say they will not be able to provide a basic education within two years. Shrinking state aid, lower property values and dwindling fund balances have all contributed. "I wouldn't feel as bad about it if I thought it was equitable and all schools across the state are being treated the same way, but we have a system of haves and have nots," said Stephen Putman, Brasher Falls Superintendent .
In the past couple years, the state has reduced funding to schools to try and fill its own deficits. This has left schools to raise extra money through property taxes, but for some schools, it won't work.
"For us to have made up the gap elimination, the money the state took back, would have been a 32 percent tax levy increase," said Putman. In the past, the answer to budget deficits was to cut staff, cut programs, or use some of their reserve money, but superintendents are saying that all three sources have dried up.
"With these small poor districts, they have probably gone as far as they can in making cuts," said Robert Lowry, deputy director of the New York Council of School Superintendents.
Lowry says that there is only one answer to the problem: State action.
"Some of these districts simply need more help from the state," said Lowry.
But so far, that state action hasn't come.
"It is disheartening when you care about children and the governor and the legislature don't take actions that show that they care about children," said Putman.
Another part of this puzzle is the tax cap. For school districts to propose a budget that exceeds the tax cap, they need 60 percent voter approval and if a school budget fails twice, they are legally obligated to take a zero percent increase. Poorer districts also are wary of proposing tax increases, even though they need it.
"I think that's the sense that taxpayers either couldn't afford a larger tax increase or wouldn't approve it at the polls," said Lowry.
Schools will begin to get a sense for what the coming year will bring when Governor Cuomo unveils his budget in January.
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Closed acct after overdrawn once, money was returned to them the next day!
Posted by
PERRYOPOLIS, PENNSYLVANIA -- I have been with PNC Bank for two years now. Over a year ago I had overdrawn my account mistakenly by less than $5. I bought a movie and thought that I had the whole amount in the bank, but mistakenly did not. At this time I didn't use my check card often so I didn't check the balance often. Almost 2 weeks later I got a letter in the mail stating that I was over $100 in debt due to overdraft fees, yes, overdraft fees! So, I went to the bank immediately and deposited my whole paycheck of $180, thinking that it would cover it. The next day, I checked my balance. It turns out that since I had received the letter so late, I had accumulated even MORE in overdraft fee's and I still owed them over 100 MORE dollars! In short, I paid them over $200 for them giving me 3 dollars that I didn't have. So I paid that. Everything was finally in the norm until about 4 months later when I had an emergency and had to overdraw my account. I got that taken care of and everything was okay. Until about 3 weeks ago when I had to take 100 dollars out of my account that I didn't have. I went into the bank the NEXT DAY and gave the teller everything that I owed, plus more! I made sure with her that everything would be okay and my account wouldn't be closed or anything. She assured me that everything would be fine. About 2 weeks after the incident, I received a letter in the mail from PNC Bank stating that they were closing BOTH of my accounts. Not just the one that I overdrew, but both of them! The letters also stated that I would receive a check in the mail for the balance of every account closed. Over a week later I finally received the checks in the mail... PNC will stick you any way they can. They will not notify you of anything (and if they do it's way after the fact!), they will show no remorse. It's disgusting how the American People, the people who make this country, have hardly any power over their money or their government as a whole!
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trmn8r on 05/20/2011:
PNC is a great bank, a regional one. I am a customer and a stuckholder. They probably don't appreciate account holders who overdraw their accounts on a regular basis. I'm not surprised they encouraged you to move to a new bank.
If you think about it, the fact that they closed your account shows that they aren't in it just to collect overdraft fees.
trmn8r on 05/20/2011:
Also, PNC has the best overdraft prevention feature I have come across.
With Virtual Wallet, you get three accounts, one of them interest bearing. If your checking account becomes overdrawn, it takes from the interest bearing one with no fee at all. Automatically. Then they send you a notice in the mail, at THEIR cost mind you, of what they did for you.
I specifically opened my PNC account to avoid worrying about overdrafts.
Anonymous on 05/20/2011:
very good review!! I would suggest joining a credit union. I found it much more convenient.
Tina on 11/20/2012:
You Can tell by theses comments they are actually people that work for PNC bank lol .I totally agree with you Perry PNC IS NOTHING BUT A FEE CHASING BANK! The worst bank out there I will make sure I tell everyone I know what a terrble company to do business with .They do not care about the consumer also everyone is not on the same page you can talk to 5 different employee's and you will get 5 different explanations of their rules. What a disgrace as a bank. People are getting so fed up with theses banks I can see in the near future most will be turning to prepaid debit cards which work just as checking accounts.You can even have direct deposit also use your smart phone to take an image of your check for deposits.These will save us all on all these fee's the banks are doing to us they are biting off the hands that fed them.It's becoming a different world the average person is really getting fed up with the banking system!
Shannon on 12/17/2013:
Tina, I couldn't agree more. This bank is the worst. I have tried so many times to deal with them and failed. I am told one "policy" only to be told by another rep that the "actual policy" is.........! In my situation I have been told so many different "policies" I would never be able to tell you which is correct. I did however save many screenshots as well as my IM chats as proof and they still won't admit when they are wrong. I am sick to death of it. I am also so sick of the ordeal it is now to change banks with everyone wanting to do Ach debits and deposits it takes all of someone's time just trying to change the information in order to make sure you receive your paychecks on time! I am at my wits end with this bank!
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Deactivate ATM card
Posted by
Several months ago, we went to use our PNC check card and it was declined. So we call the 1-800 number but it's after 10 pm so no one is there to help us. We wait until the next day and call as soon as their call center opens. We are told they have no clue as to why are cards are DEACTIVATED. There is money in the account, they haven't been reported lost or stolen, and the account is still open. Their advice is to go into a branch because apparently, the branch put the hold on the card. But it was Sunday, so no branch was open. After speaking with multiple people who tell me there is nothing they can do, we finally get someone who re-activates our card over the phone. No reason can be given for why they were deactivated in the first place. No one wants to take responsibility for it.
Tonight, the same thing. My husband just finished 7 days straight of work. Tomorrow, he starts 13 solid days of work. This was our only time to get out and have some couple time. Hire babysitter, hop in car, go get gas....card deactivated. Once again, it is after "business hours" and no one is available to help us until tomorrow. We are beyond furious and will be closing our account ASAP. While they have our home phone, cell phones, and email addresses, we were not notified of the deactivation. The first time it happened, we never even got a snail mail letter of explanation.
UPDATE: Called this morning at 7:20am and was told by automated system that it would be a 4-5 minute wait. At about the 4 minute mark, I hear a click and a message saying to leave a voicemail. I hang up and call back and got someone right away. She told me that she couldn't do anything since that department didn't open until 8am and that I should call back. I did. I spent 5 minutes explaining the situation, 35 minutes on hold, 2 minutes talking again to the rep and then another 10 minutes on hold. She told me her supervisor couldn't reactivate the cards via the phone. I replied that wasn't true because that's what they did last time. She agreed that some supervisors "don't do that" but she had multiple supervisors in several states that she could try. I got the cards activated again.
When I asked why they were deactivated, she told me that it could be a merchant reported fraudulent charges, but when she checked, she said no. Then she told me it was because we were overdrawn, which we were the prior week but it was covered with a direct deposit 2 days prior. I asked her what triggered a deactivation versus just declining the card and she said it was the amount of days overdrawn. I asked her to quantify that and she checks the account again and says, "Oh, that's not it". Then she tells me that overdrawing 10 times in a 30 day period would deactivate the card. I told her there was NO WAY we overdrew our account 10 times. This was a one time emergency that we had to deliberately overdraw the account and I was aware of it and covered it. So, then the reasoning was the amount we overdrew the account. Then she says, "Oh, that doesn't look like it was it either. Well, they are activated now". Gee, thanks. I understand declining the card but deactivating it? Even though the account was brought in good standing 2 days prior, we still had no access to our money. As for notifying us, we were told they "try to make an effort to contact the customer". We have no messages or missed calls.
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CaptainSpaulding on 09/24/2010:
I once had PNC Bank for a car loan. Dealing with them was one of the worst experiences in my life! A common occurrence with them was "The Mystery of the Lost Car Loan Payment". I would mail my payments to them two weeks before the due date, but more times than not, the payment wouldn't be credited to my account because they claimed that they never received it. After the same thing continued to happen after I started to mail my payments to them via USPS Certified Mail w/Return Receipt, I knew that they were full of hooey! I promptly paid off my car loan and haven't done business with them since!
My advice to you is to open an account at another bank and tell PNC Bank to shove their ATM card where the sun doesn't shine!
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I am FED UP with PNC Bank.
I had an account with PNC in 2006. I made an error and overdrew my account. Because it was overdrawn for too long, they closed my account and sent my closed (overdrawn) account to a 'recovery specialist' who works directly for PNC Bank in Pittsburgh.
In late 11/06 I received a letter from PNC Bank stating the amount of money that I was overdrawn that I needed to repay. Early 12/06 I called my 'recovery specialist' and made and agreement with her to pay a certain amount of money to PNC Bank via cashiers check... and I had a specific mail stop (internal mailing between PNC Banks) to send my payment when I got the cashiers check at the local PNC Branch.
I received a letter about a month or so later (01/07 or 02/07) stating that I had paid the balance as agreed and Chexsystems would be notified. Chexsystems is a reporting agency for financial institutions (similar to a credit report from Experian).
I believed their silly little letter and thought that the issue would be resolved as agreed since I fulfilled my financial obligation and paid them back as agreed.
A few months later I attempted to open a new checking account with a different bank. I was declined! The reason... because I still owed money to PNC Bank (THE MONEY I ALREADY PAID)! Well I called and my 'recovery specialist' guaranteed me over the phone that I had paid it off and that everything would be reported back to Chexsystems.
A few months later, which would now bring me to 10/07, I tried to change my savings account with a different bank, into a checking account. Once again, I was declined because of Chexsystems stated that I still owed money from 11/06 to PNC Bank.
By this point I was aggravated to say the least, but still remained patient, more patient then I now realize I should have been. I was giving them the benefit of the doubt thinking that sometimes things happen and confident that they would resolve this overlooked error. I requested them to mail me another letter stating that I paid the balance as agreed and that I did not owe any more money... and once again that Chexsystems would be notified.
I waited 2 weeks for the letter to come to my home and didn't receive a letter. I called again and spoke to someone else who said that my letter was mailed on 10/27/07. I waited a little while more until 11/17/07 and called back and advised that I needed them to send me another letter because I never received the letter which was supposedly mailed on 10/27/07.
The letter was the same as the first, it said that everything was paid off as agreed and Chexsystems would be notified.
January 28, 2008 I wanted to open another checking and savings account with a local credit union (now I have 2 checking accounts and 2 savings accounts with 2 separate financial institutions)... I bet you all know what I am going to say.... I WAS DECLINED AGAIN BECAUSE CHEXSYSTEMS SAID THAT I STILL OWED PNC BANK MONEY!!!! I was able to present a letter stating that I paid them in 12/06 and the woman opening my account said that it only takes 30 days for Chexsystems to be updated when the bank informs them of a change. WELL I called the 'recovery specialist' on 01/28/08 and advised that everything was still showing as NOT BEING RESOLVED ON CHEXSYSTEMS!!! Her response "Oh I see the problem, the drop down box is still showing open. I will correct the problem and notify Chexsystems. It will show up in 30 days that your account is clear with PNC Bank."
My patience was GONE by this point in time. LONG GONE! It took me 5 phone calls just between 10/07 and 01/08 to TRY TO GET IT RESOLVED.
I finally went to the local credit union and asked them my rights to order a Chexsystems report. The wonderful account rep at the branch gave me a piece of paper with Chexsystems information. In the beginning of March I ordered my own report. NEEDLESS TO SAY PNC BANK WAS STILL SHOWING UP WITH ME OWING THEM MONEY!!!! I called my local credit union and asked her if she could run the report YESTERDAY and she ran the report... it is still there surprise surprise!
Now if you count the days between 01/28/08 and 03/12/08 it is over 30 days.
I filed a dispute with Chexsystems; however, I don't feel that the dispute alone was enough. I made sure to contact the 'recovery specialist' supervisor yesterday and let her know of the situation. I said to her "please tell me WHY it has taken OVER 6 phone calls including TODAY just since OCTOBER 2007 to get this issue resolved. This has been ongoing since 12/06 what is the explanation that you can offer to me as to WHY it has taken so long?" Her response to me "Maybe you were talking to the wrong person". I said " I was speaking to my recovery specialist that was assigned to my case.... WAS THAT THE WRONG PERSON?" She insulted my intelligence and I feel that this a MAJOR case of a misrepresentation!!! They represented to me that Chexsystems would be notified... and they never were.
For all the time and effort I put into trying to get something resolved which was taken care of in 12/06... THEY SHOULD BE PAYING ME!
Anyone know who I can go to to file a formal complaint for all the stress, aggravation, time, and most of all embarrassment PNC BANK has unjustly caused????
There is no LOGICAL reason why this issue shouldn't have been resolved in 12/06 when they received their money.
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Phony Pending Withdrawals
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CLEVELAND, OHIO -- On a Monday evening I tried to make a purchase for $114 but only had $90.60 in my checking account. My bank card was declined. When I went home and checked my balance it showed a pending withdrawal for $90.60 even though the transaction was not completed and I left the store without any merchandise. I immediately called the store and was told it would probably come off the next day.
On Tuesday the pending withdrawal was still there and I called the store and they told me it was the bank's responsibility. I called the bank and the man laughed and said it was the stores fault "they're holding up your money". I called the store corporate office and they also told me it was the bank keeping the pending status on the money.
On Wednesday it was still pending and I called the bank and the store corp. office and again each blamed the other adamantly.
On Thursday I called the bank and explained how each was blaming the other and was told "well its both. The store could take the $90.60 from your account and you could pay the rest in cash". I told him "are you kidding? It's over! It was Monday. I'm not still in the store. The transaction was never completed. I have no merchandise. There isn't even a transaction number because there was no transaction". Then I asked if I had access to use this money while the pending status was in place and while he hesitated I said this is a yes or no question. He said no. I asked if I would have been charged a non sufficient fund charge if I had tried to use the card and he said "well yes, you don't have overdraft protection".
I stated "so PNC can keep this pending status on my money and then not allow me to use it and charge me NSF fees when you know that this transaction is dead"? The PNC representative stated "do you want me to take the pending status off today?" I asked if he can take it off today, could it have been taken off on Tuesday and again he hesitated until I demanded a yes or no answer. He stated yes it could have been if I had spoken to someone in his department. I stated that this was the same number I had been calling and he told me he was in a special department with authority to take the pending status off and that my call rolled over to his department because the regular department that doesn't have his authority must be really busy. He then said he would take it off and that it would be off on Friday!
This is ridiculous. Can this possibly be legal? It's certainly not ethical.
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trmn8r on 08/02/2013:
The first thing to note is that you were attempting to overdraw your own account.
The bank is in a tough position. You are trying to make a withdrawal from your account. The bank doesn't know the particulars of the point of sale, as was made evident in your interaction with the CSR. The bank would like to satisfy your (ACH) request to complete this transaction. By "bank" I mean the institution, not individual CSRs.
Yes, it appears that if you had gotten someone in the right department, they would realize this pending debit could be cancelled.
If anything, the first CSR could be critiqued for not realizing PNC could in fact remove this pending item, but I don't think there is any intentional act to keep a transaction pending when it shouldn't be.
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Virtual Wallet a Virtual Disaster
Posted by
I have been a PNC customer for about 3 years. I sought them out because my regional bank ticked me off a bit.
As first, I was very happy with PNC. First, they gave me a great (teaser) rate on opening an account. Next, there are actually 3 linked accounts, the interest bearing one and two others, that you can move money between. Overdrafts cause money to automatically be transferred from the growth account to the checking, with no fee whatsoever. Sounds great, and it has been at times, but that is when the system works. The price for all this functionality is it is strictly online - no paper statements.
The online portal is the problem. PNC uses a behemoth program called "Virtual Wallet" to allow users to schedule payments, and blah blah blah. All kinds of fancy screens and calendars. Fail - all I want is to see my transactions like in a checking account statement.
To the problem - on a good day it takes VW forever to load. On a bad day, which is yesterday and today, it doesn't load at all. The screen that says it is loading freezes. I called customer service yesterday and today, and they acted as a "go between" to the technical support that knows what they are doing and me. Both yesterday and today I was told "a problem ticket has been opened and someone will call you back." Today I was told it may take 3 days, and after that they would "have it fixed". The customer service representative admitted that the tech support guy told her the problem is "on our end".
That's it PNC. All I wanted was to see my transactions. No fancy graphics. I'm and my money are gone, alone with that teaser rate that you reduced to 0.01% several months ago. It's too bad - I really liked your setup. But I have to be able to negotiate my accounts without delay or a mental fitness exercise. I've seen other complaints and defended you, but that was yesterday.
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Jennifer D on 06/26/2013:
I have been having the same issues with VW and am questioning why I should even bother banking with a dinosaur that can't even step up with technology. I have the fastest internet speed out today with U-Verse and the idea that VW acts like it's going through dial-up is unforgivable. I will not be a PNC customer for that much longer!
Katie on 09/13/2013:
I've had a PNC Account for 10 years and have been happy with the online access, etc. I opened a VW in March and have been getting charged $10/month ever since it was opened, even though I never wanted the Performance part. I also cannot navigate the online access and can't seem to ever see all of the transactions. Super disappointed and will be closing it.
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Modification Or Fraud
Posted by
PNC Mortgage is not trying to modify mortgages, they simply put you through their applications process and then lose or can't find the information. They repeatedly request duplicate information and claim to not have it.
When in fact most of my information was faxed as requested with confirmations.
I would think a investigation into their modification record would reveal many homeowners in my position who like me have given up after repeatedly filling requested papers and then being told that my papers were not received in a timely fashion. When in fact I responded in most cases immediately by fax and backed it up with a mailed copy.
This organization bought my mortgage from National and my past relationship with my primary mortgage company does exist anymore. PNC mortgage has confused and complicated policies designed to do just what happened to me - cause mortgage holders to get frustrated and give up on trying to navigate their playground.
If only our taxes could have been used to play with them maybe modifying mortgages to families would not be a game in which they deliberately do this. I hope by posting this other consumers will be careful before starting a relationship with this organization.
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khb01 on 08/15/2010:
It used to be that you ASSUME some level of competency from the banking industry. My experience with this bank proves the opposite (at least in this case). Very similar to other stories about PNC mortgage, their ineptitude, lack of proper record keeping and non-existent process management has led to a nightmare mortgage situation for me.
To cut a long story short, do not assume anything when trying to get your mortgage loan modified or back on track. Even if they tell you they have everything they need to proceed to the next step in the process, assume that they don't. Stay on top of them, and call weekly to check on progress.
Many of their customer service staff have a tenuous relationship with the English language, so be sure to double-check that correctly understand what they are telling you and they understand what you are telling them.
I did manage to get a well-spoken rep from their customer service dept on one occasion, and this person suggested to me that I hang up if it was clear that the rep answering my call did not have a good command of English. With an average of a 38 minute 'on-hold' time over my last 9 calls to them (yes- I've timed each one), it's very discouraging.
Brenda on 05/20/2011:
They are still at it, too. PNC has forced us into forclosure, even though we have been communicating and trying to work with them through our hardship since BEFORE our first missed payment. Now we will have to duke it out in court. I'm going for Forclosure fraud. Anyone else in a similar spot?
Liz on 05/17/2012:
I filed a motion to invalidate sale of my house. My experience is similar to Brenda's. They told me they couldn't negotiate with me if I'm still paying...
mtp8469 on 06/26/2012:
Hi Brenda, If you get this message can you tell us what happen when you fault then in Court on Mortgage fraud? My friend's situation is very similar to yours.
DB on 05/04/2013:
KHB01 and Brenda I have been through the same thing as both of you and I am going to sue them for mortgage also and I live In Illinois and the Ilinios Supreme Court has made an incredible ruling designed to stop foreclosure fraud by banks. You can look it up on the internet and read it for yourself. If a bank can't produce the original Promissary Note, there pretty much dead in the water on foreclosure against you and some of the judges and lying lawyer's of the courts are all a part of the fraud game so I urge you to do your homework and learn your rights and do not leave your house no matter what they say or send you....
anita on 09/12/2013:
Harp is bait and switch. We have a perfect pay history across the board. If I can find a lender with no cost to close and no other charges, I will switch today. PNC is worthless, fax 5 times,they did not get it? Faxed from our branch,they don't have it? I worked in retail customer service....if I work like PNC I would have been fired. I was with Ohio National then purchased by National City purchased by PNC......bad deal, I am done.
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PNC Bank Sucks
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PITTSBURGH, PENNSYLVANIA -- I was a National City customer and the bank was sold to PNC Bank. I received much literature and information assuring me everything would be the same as National City just a different bank. I thought initial this is cool its part of a bigger bank and maybe I could get some cool services because of that fact. The horror begins....
Incident Number 1 started when my online banking that was supposed to be a smooth transition and all my bills were supposed to be paid as usual...NOT. Well in fact my very large rent check for my business never got sent. So I get a call from my landlord to tell me it was never received. Well I've had it automatically sent for the past 2 years. I called PNC and guess what they have no record of it being an automatic payment although they said it appeared as though it was paid same time every month. So I called National City who informed me they had no access to the account anymore so there is basically no record of anything.
#2 I own 2 business so rent check number 2 shows up late...I file a complaint because National City had a guarantee but guess what I got no response...it went through some automated system and basically got told it was my fault.
#3 I had another bill supposed to be sent every month, again like above no record, never sent.
#4 I had my insurance bill sent, but they used old account numbers...It had up till the transfer been paid on time and from National City. It got sent back to me because the account numbers were no longer active.
#5 Login ID listed my name and home address and phone on bill payer checks rather than my business. They explained that is the way it was at National City but it wasn't that way at all.
#6 (2) Other bills that are sent every month same address both came back undeliverable. I looked at the addresses and they aren't even close to the address of where the bill was supposed to go.
#7 Called into PNC to ask where to find something online but I didn't have my account number. I could tell them everything else including tax id. They said they needed my account number no exceptions. So instead of helping me I was again left flapping in the breeze.
#8 Need account statements from last year which was available from National City but I guess isn't available anymore because PNC seemed to have lost everything from National City and I can no longer get any information or statements.
So I decided to switch banks....end of story I guess.
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Anonymous on 03/29/2010:
The takeover makes it a new business. Did you ever go online and set the auto pays back up? When BOA took over Nations, we had to destroy our Nations checks and get BOA checks, change our debit cards to BOA debit cards etc. I am guessing online banking would have to be changed too. If you did not do so, that could be why they had no record of the setup.
FlShopper on 03/29/2010:
That sounds like a nightmare!
As much as I hate Chase, when they took over Wamu they kept sending me emails and posting info on their website about all the changes and what I needed to due to ensure my account transitioned smoothly. I had to reenter all of my bill pay information, set up auto payments again, etc. It was a pain, but everything did switch over. It stinks that your bank didn't give you more information on how to make your transition smooth also.
Riah on 10/01/2010:
National City's bill pay was done through a company called Metavante. Metavante would call the payee and verify that the information a customer entered into their bill pay was correct. If it was, everything was fine, if it was not Metavante would correct the information IN THEIR SYSTEM, not in your online banking bill pay. This means that even with the wrong information the bill would get paid on time and correctly. Flash forward to the switch to PNC. PNC did in fact pull all the payees over however if ANY of those payees had been corrected in the Metavante system the wrong information was pulled from the online banking to the new bill pay system. Why would Metavante go the extra step of updating everything when they are no longer going to be getting the business? So many of the bill pay issues with the conversion was actually that the customer originally put in something incorrect into the payee and only now that the new system doesn't do the same things as the old is it being brought to light. Furthermore, if you were to write out a check and send it to someone you would read the address and write it on an envelope every time you send a payment. Why should online banking be any different?
totallypssst on 07/18/2011:
I moved and got no word from National City that they opened an acct. ,w/o my consent, with PNC. weeks before finding out I called NC, to close my checking acct., the representative said the closure was complete but it didn't reflect on this PNC acct.. I called trying to get answers, but everyone acted oike they no one knew anything and I got a lot of run around to a dead-end. Man, I need help.
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Unfair overdraft fees!
Posted by
PHILADELPHIA, PA, PENNSYLVANIA -- I have also had a problem with PNC Bank and will soon be moving to another bank. Beware of online bill pay. I pay my bills every month with unline bill pay and always put in the amount and date two weeks before bills are due to be paid. This time I made a terrible error by inserting the wrong date and my bills were paid a week before I was actually paid overdrawing my account by hundreds of dollars. I live paycheck to paycheck and at this time have no money in my savings account to cover these bills. Of course all of my checks were returned and I was charged 9 overdraft fees ranging from $34 to $36. I was horrified and called the bank to explain. I was told that since my account was in good standing and I have never bounced a check, I would be reimbursed all but $100. I felt that as long as I was getting something back, I better take what I could and strick that as a lesson learned. The woman I spoke to also told me that the checks would be presented again in 3 business days at which time I would have the money in my account. The checks were presented again the VERY NEXT day!!! Of course again I didn't have the money in my account! Now I am being told that I will have to wait for all of the overdraft charges to appear on my account before anything could be done but that I should be aware that most likely nothing will be done since I was already giving one courtesy refund. I explained that the woman I spoke with me assured me I had three days and was told that they will investigate. Of course we all know this woman will deny this and now I will be charged tons of late fees. Not to mention my credit card companies charging me return check fees. Is this fair?? Does anyone know of anything I could do about this? If so, I'd love to hear from you.
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Anonymous on 08/29/2009:
Good luck on your situation. Sounds like a case of bad luck. Hopefully, it will get resolved. But, know that no matter where you go, there's going to be overdraft fees; that's something you can't escape even if you go to a credit union. I'm sure, next time, you'll be a little bit more careful. Mistakes happen. Hopefully, you'll get your money back. If all else fails, go to a branch and talk to the branch manager or teller manager instead of dealing with someone over the phone. Just explain to them calmly and nicely. People tend to be a little bit more sympathetic with a customer if explain things in a calm manner rather than go in with an attitude and start yelling right off the bat.
I hope things work out for you.
madconsumer on 08/29/2009:
how is this unfair? you admitted to making the mistake. they did offer to correct the fees at first, then it happened a second time.
Anonymous on 08/29/2009:
The unfair part was she was told the checks would be presented again in 3 days. They then sent them in the next day knowing it would generated 9 more overdrafts. Mad, that's the unfair part.
madconsumer on 08/29/2009:
merchants are not controlled by the bank when a returned check is re-submitted.
Anonymous on 08/29/2009:
*Shoo Biccey Shoo*
yoke on 08/29/2009:
The teller told the OP that the checks would be presented in 3 business days. The teller did not give wrong information. The checks presented themselves 3 business days after the first time they bounced. The bank did nothing wrong and went out of their way the first time around.
yoke on 08/29/2009:
madconsumer, the bank probably did not send the check to the merchant since the funds were not there. The OP is lucky the checks did not go out because if they did they would have been hit with NSF's from the merchants also. The bank did the OP a huge favor.
PepperElf on 08/29/2009:
And many places will cash the checks regardless of the date
in fact I was under the impression that pre-dating your checks wasn't actually legal.
that when the check is written you are supposed to have the funds to cover it immediately.
in this day and age floating a check is just begging for them to bounce
trp2hevn on 08/29/2009:
Pepper, I don't think the OP was pre-dating a check. She has online bill pay which you can set up to schedule a payment in the future. She put in the wrong date for the scheduled payment and it was sent out before she had the money from her paycheck.
It's a tough situation to be in. I don't think it was done on purpose. Just an innocent mistake that has great financial consequences.
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Business Service
Posted by
SANFORD, FLORIDA -- I brought a homeless day worker to PNC to cash a check drawn on my business account. The Sanford Florida branch manager had the personal discretion to waive the $10 fee and help the guy out, but wanted to be a selfish petty prick and refused. I complained that all their smiley talk about customer service is hypocritical phony lip service. SO guess what? For daring to complain about a policy you might disagree with - they canceled our accounts! Two business checking accounts and a Merchant Service account. How? In the typical way you would expect a machine-like uncaring big bank to act: a form letter in the mail, unsigned because no one had the courage to call or face us. No dispute. No conversation. No redress. Just rude, disrespectful, arrogant and typical of Big Bank.
This is the same type of smiley customer service attitude PNC uses when they foreclose and drag grandma out of her house and throw her onto the curb. AVOID PNC and move your money to a local, truly caring credit union. When more of us, the People, do this then the heartless, backstabbing bully big banks will change.
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trmn8r on 10/05/2013:
Asking to waive a fee (which I would fully expect them not to do - why should they for this person?) is OK, but expecting them to I don't understand. If you berated them for not caving to your demands, with conversation you didn't show here, I might understand them shutting down your accounts - a business can do business with whom it wishes, and if there is cause for concern about certain kinds of behavior happening in the future, they would have a right to act on those concerns. Without a tape of the conversation, it is hard to judge.
yoke on 10/06/2013:
When you realized they were going to charge the man a fee, why did you at that point just withdraw the money out of the account and give it to him.
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Predatory Lending Practices
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GULF SHORES -- PNC Bank of Gulf Shores seems to be dealing in predatory lending practices. I recently contacted my local branch of PNC and verbally requested an auto loan. I declined the approved loan. When PNC headquarters sent documentation regarding the loan [as mandated by the FDIC] they had run two loan applications, one for an auto loan and one for a secured loan. PNC also ran two separate credit reports through Experian [this lowered my credit score 20 points].When I contacted the loan officer she said the two loan applications were only internal and two credit reports were not run. The officer had personally checked my credit report again and said Experian did not show two reports requested from PNC. I ran my credit report to find two credit reports had been run by PNC the day of the credit applications. One for auto and one secured loan.The officer suggested I write a letter of dispute to the credit agency protesting the "mistake". When asked why I should protest a hit on my credit by PNC that did not exist [as PNC claims] she had no answer. Corporate was contacted that came to the same conclusion.
Why should a client of PNC have to contest a "mistake" on their report when it was not a mistake-PNC ran my credit twice without approval/ knowledge-providing documentation to Experian would only constitute fraud on my part. Bankers please stop this unethical behavior of lying and deception. I would like to personally thank PNC for lowering my credit score-wonder if my PNC credit card rate will increase due to lower credit score?
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CU on 07/18/2013:
Where is the predatory lending part of this story?
It sounds like the bank may have run a 'soft' credit inquiry to see what kind of loan you qualify for. These inquiries do not impact your score at all.
If it was indeed a hard inquiry, it shouldn't impact your score that much unless there are other factors. In any case, this impact drops right off when no loan is subsequently booked.
Weedwhacked on 07/18/2013:
You keep calling it a "mistake." Where is the mistake then PNC purposely runs two separate credit checks for two separate loans? They have you thinking it was a mistake!
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text:
I Was a Child Farmworker
Meet Norma Flores Lopez, director of the Children in the Fields campaign of the Association of Farmworker Opportunity Programs, or AFOP, whose job it is to advocate for children who harvest and package the food Americans buy. Food prices here stay cheap because of the labor these children provide, and yet, as Flores Lopez describes, the kids themselves must pay a heavy cost to keep those prices low. Flores Lopez, who grew up in a family of migrant farmworkers from South Texas, spoke with me about her advocacy on behalf of farmworker kids. She tells here the story of her personal journey as a child farmworker, and the work that lies ahead to help make these kids safer and to make their lives better.
Note: Child farm labor is a little-discussed topic in the US, and readers should be advised that they may find some of the statistics and working conditions Flores Lopez describes to be shocking or upsetting.
MTS: Can you tell me about your work?
NFL: I work at the Association of Farmworker Opportunity Programs (AFOP) and I'm the director of the Children in the Fields campaign. It's an advocacy campaign on behalf of farmworker children who are trying to improve their lives.
We feel the best way to do that is to make sure they are working in safe environments, and make sure they have the same educational opportunities that any other child in America has.
Right now there are two separate laws when it comes to child labor laws in the US—there are some that cover all other industries, and a different set of laws when it comes to agriculture. And we've seen that [the agricultural exemption] exposes them to a lot of dangers that can hurt them in the long run and even cost them their lives.
We also have seen that a lot of these exemptions for farmworker kids, it makes the children more vulnerable to exploitation, and to wage theft and other types of abuses. Not only that, it also gets in the way of them being able to get their education.
And what we are seeing is that we have these kids that drop out of school and get trapped in this generational cycle of poverty in which they are having to work really long hours out in the field to be able to make ends meet to be able to feed their families, and have to be out there [for their careers] because they ended up not having the support they needed for their education.
So we have a grassroots component that allows us to work with kids in some of the biggest agricultural states and where there are seasonal and migrant farmworkers. And we are teaching the farmworker youth how to be the best advocates for themselves, to go out into their community and make change.
MTS: So tell me about what farmworker kids—what is their daily life like? Starting when the alarm goes off, or when their parents wake them up.
NFL: There are two different types of farmworkers: there's the seasonal and the migrant.
So migrant farmworker kids typically have to get pulled out of school early, we've seen sometimes around April, and start school late, probably around October, back in their home state. So they leave their home state, their home base, and have to travel to various states to follow the harvest. States like Michigan, Ohio, Indiana, Illinois, some of the big agriculture states. And they have to wake up probably around five in the morning, get ready to go out to work in the fields. They get dressed, and sometimes there will be a bus, or a van that the grower might provide, from the camps that the migrant farmworkers end up living in, which is housing that's provided by the grower.
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