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Closing My Paypal Account Because Of Bill Me Later Tactics
Posted by
Bill Me Later was created by Paypal to make money. Obviously, that's the point of being in business. But its a free service. How do they make money on it? Two ways, late fees and interest. When they designed this "totally free" Bill Me Later program, they designed it not just to maximize the number of people who use it, but to maximize the number of people who are charged late fees and interest.
Paypal's methods when "asking" you to sign up for their Bill Me Later (BML) program are absolutely ridiculous and underhanded. Since they began offering BML, it seems like I've had to be very careful not to ACCIDENTALLY sign up for the service. Every time I use Paypal now they will sneak one or two opportunities to join and use BML into my payment process, which wouldn't be a problem, but they really and truly try to be sly about it. The BML language will be small and easy to miss, the yes box will be highlighted, the check box will already be checked and you will have to un-check it, and so on. BML is really a line of credit, and any offer to open a line of credit should be very clear and should not be slid in their when I'm simply trying to purchase an item with money that I have.
Apparently their slyness worked on me, because a couple of weeks ago I accidentally agreed to sign up for BML! Of course my own negligence is largely to blame for the mistake, so I was upset with myself as well, and I decided that I would continue using Paypal, but avoid using BML. Well today I made a purchase on eBay using Paypal, and I accidentally made the payment using the BML service! I did not know until the purchase was done that I was using BML, and I certainly never knowingly chose to make BML my preferred payment method.
So I went to the Paypal website with the intention of paying off the balance. When I sign in, my account overview immediately comes up showing the purchase I had just made, and under "payment status" it simply says "completed". At this point I was confused because I expected it to say "bill me later" or something like that, reminding me that I still have to pay for it, but it was really made to look like I had already paid for it. When I clicked on the "details" link for the transaction, it was a full page and a half that said nothing about BML until the very bottom of the page. I clicked on a very small link there at the bottom of the page that said "schedule a payment", which took me to the BML payment page. Finally, I can pay for this stuff and be done with it!!! But no..... it says there is no payment due, and I cannot make a payment until a payment is due!!!
Paypal says that BML is a free service, and there is no way they would try to push a program on customers if they were not going to make any money off of it. It is not free. Read some of the other reviews on here. They want you to use it, they want you to be late on paying it back, and they really want to charge you as many fees and as much interest as possible!!! I know some people think its OK for businesses to do anything they want to make a buck as long as its technically legal, but when a business tries to trick me into using and defaulting on a line of credit just to squeeze some late fees and interest out of me after I have been a loyal customer, then I will do business with them no more.
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Old Timer on 07/31/2013:
eBay, PayPal and BML are all the same racket. I dumped all of them years ago and don't miss any of their nonsense.
Watch out, BML will send your statement out "after" your payment is due in order to collect late fee's. They will lie and claim they sent you a bill before your due date, but that is just another of their long list of lies.
jwn7882 on 08/14/2013:
Check out my review entitled simply PayPal / Bill Me Later. I had not read yours before I wrote it. Glad to know it's not just me. Plus, my last line is classic. C"mon, it really is.
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PayPal becomes BML and uses 'Bait and Switch' fraud technique
Posted by
BOSTON, MASSACHUSETTS -- I've been both a buyer and a seller on eBay for quite some time and PayPal has certainly been able to speed things along provided you have included any fees for using the service in the price of your goods. As a buyer, Bill Me Later has offered some fantastic financing options; 6-12-18 months with no handling charges if paid in full by the due date. I'm good at finding these deals and for the things that I want and scrutinizing the bills once I get them. I've noticed twice now that Bill Me Later has offered me extended financing at purchase, only to decrease the time limit when billing time came. The last time I called them about this they took my information to 'send to accounting' stating that someone would get back with me via email in a few days. Two days later I got an email stating that the complaint had been reviewed and corrections, if any, would show up on my account within 24-48 hours. I waited 4 days to see the results of a transaction that took seconds to complete only to see that they had removed special financing completely. As it stands now I have a $1300 purchase that should have had 18 months of no finance charges, instead it has been changed to a straight purchase. I've sent an email detailing this each day for two waiting for a response and am moving towards hand writing a letter with a copy of their advertised financing and a list of dates and times of when I've called.
A few minutes ago I tried to make a $10 purchase using my PayPal account. I use it often and change the method of payment to credit card, that way I don't have to manually enter in the number each purchase. I have $40 in my PayPal account which is set to transfer today to my BillMeLater account as a payment. So PayPal knows I have have only $40 earmarked to go to BillMeLater. The only option they would give me was to charge the $10 to my BillMeLater account or take it from my PayPal account since I had a balance. Sure.... take $10 away from the $40 going to BML and have BML charge me for having insufficient funds. Or charge the $10 to the BML account where I already have another promotional balance being paid off and this new one to be resolved. I found it easier to pull out the credit card and punch in the numbers.
I went back through my memo notes in Quicken and found that this same bait and switch occurred with BillMeLater before and I have had issues with PayPal. BML is not a bank, and therefore is excluded from having to operate under the same consumer protection laws as banks do. It seems like the more I use them, the more shady they seem to operate... forgetting to apply the correct promotion and Ooops, we "forgot" and didn't put on one at all when we "fixed" it. Really? Really.
PayPal is a fast and easy way to collect and send money. BillMeLater is a financing option that might be helpful to some. But beware: At best their systems make a lot of mistakes and their people are not trained on how to fix them and at worse; This is the way it was designed to be.
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Alain on 09/18/2012:
Thanks for your review. It makes me reluctant to consider using either of these companies.
trmn8r on 09/18/2012:
I do not mind using PayPal - I have for several years. The only thing I don't like is accepting payments for an Ebay purchase and getting whacked with a high fee, because in the old days we got checks or money orders.
BML is a whole nother story. The whole concept of Bill Me Later is a crimson red warning flag. I don't mind credit card companies, because I know how they work. Whenever you get promotional rate offers, you have to be meticulous about the terms. Your complaint indicates that even when you are with BML, the terms can *change*.
I would not have used BML, and your complaint makes me double down on that choice.
David on 09/26/2012:
I too have used PayPal on Ebay, after selling an item(watch)the buyer contacted PayPal and claimed he never got the item, PayPal refunded the buyer in full without even notifying me.I have not used PayPal since.
jaytease on 09/26/2012:
Thanks for this review. I have always hesitated to use PayPal and buy products or services where PayPal is only option. Now, I will reconfirm to NEVER use it. Thanks again. PayPal ought to PayAttention!
billtech66 on 09/26/2012:
I use PayPal a lot, but always change the charge to my credit card, since I've also found out the hard way that Paypal is not on my side when a dispute arrises.
Also, I was quite put off by the Bill Me Later option in the past, which sounded very suspicious. I never used them, so thanks for clarifying that I made the right choice. :)
Joe66 on 09/26/2012:
I really like using PayPal...but their customer service sucks. Its very hard to get a customer service rep on the phone and when you do you don't get good service. Most of them seem new. I sent in a survey recently giving them a bad review on customer service but have not heard back. After all they are handling your money and you should have secure access to it. Keep a small amount there until their service improves. Is Google coming out with something similar? By the way, if I transfer money from my checking account to PayPal it shows up instantly in the checking account as a deduction but takes 3-4 days to appear in PayPal? What gives?
JoeBelow on 03/02/2014:
I have not enjoyed using BML. I went for $15 promotion off of an order if I used BML. I trusted PayPal so I figured it wasn't a bad idea. So when I submit my order there is no mention of that $15 off. The vendor told me BML would credit me for that. So I waited several days, checked the BML site, checked my email invoices and still no mention of this $15 promotion. So I emailed them an asked about it, you get an automated response with common solutions that did not address my issue. So I waited for about a week, no response. I emailed again asking about the promotion an why I did not get a response yet. They said sorry for the delayed response an it needed to be reviewed to see if I got the promotion. So I waited another week, no responses, I emailed them an got the same automated email, replied to it and retyped my inquiry. I finally got a response from them telling me I will get $15 in 1-2 billing cycles. That is a little detail they tuck away from the open. I was wanting to use that $15 to go towards my balance but it can't for this billing cycle cause they want to string you along. I did get a speedy response however when I told them I wasn't going to use my bank account an asked if money orders are accepted. They called me hours later and the lady did not address my question, she just kept wanting to transfer me to someone who I could set up a banking account with. I had to tell her three times, no I am not setting up a banking account for she finally stopped pushing it. Apparently BML really wants your bank account #. Overall they are a pain in the arse, wish I would have not taken the offer. It has been more of a burden dealing with the customer service an learning about all the little details that makes it just a pain in the ass more than anything. They def. lost a customer.
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Payment Sent Through Wrong Source
Posted by
- Consumer improved rating by 3 stars
SAN JOSE, CALIFORNIA -- I went through an online merchant on the Saturday after Thanksgiving to purchase some shoes and saw that they accept PayPal as a payment method. Because of the rampant problems from hacking resulting in credit card fraud, I've been using PayPal to protect my payment information. I signed into my account and then added my new credit card since I didn't want to use the check card that was already on file. When I got done, the card I just added showed up as the payment method (the radio circle was checked) and I clicked confirm to send the payment through. However, I just recently checked my bank account to find that I had a charge from PayPal in my savings account of $32.00. I had a zero balance at the time of the transaction so I was left with a negative balance. I immediately transferred funds and then went to my PayPal account to see which transaction this was a result of. It turned out to be the online merchant. I sent PayPal an email to their customer service department letting them know what happened and that I had selected my new credit card as the payment method - NOT my bank account. The only reason I have my savings account on there is because my checking account was previously connected with a now closed account and you can't link the same account twice. I am a seller on eBay so I like to transfer my funds to my bank rather than using the premier business check card.
After I sent the email, I got an automated message telling me how to change the payment method before confirming the transaction - which I already know how to do. I replied to the email stating, again, what happened and I got a message from the customer service representative stating that the default payment was my bank account but I could change it to whatever payment method I want to use. This is the message:
When you send a bank-funded payment by Instant Transfer, a request is immediately sent to your bank for money to back the payment. PayPal pays for your merchandise even before your bank releases the money we requested.
The entire process takes 3-5 business days to complete via the Federal Reserve Bank's ACH transfer process. If there are no funds, we will send you an email as a notice to deposit funds to the bank account being used. A grace period of 3 business days will be given before we try to get the funds again. If the second attempt fails, we will get the funds from your backup funding source (credit/debit card).
Moving forward, you can use your credit card as your preferred payment method. You might have missed the page where to change the payment method. The credit card will not be proactively offered when you pay, there is a portion in the payment review page that you need to click to switch your funding source to the e card. I have outlined here some easy steps on how to change your payment method every time you are making purchases:
1. Before submitting the payment you will see the Confirmation of Payment or Review your Payment page.
2. Click Change under 'Payment Method' on the 'Review Your Payment' page.
3. Select the payment method you want and click Continue.
PayPal is doing the best effort to make sure all concerns are handled and addressed properly to your satisfaction.
Again, they are not answering my question so I sent yet another email with this response:
I have changed my default payment method NUMEROUS times to my check card but when I make a purchase, it always comes up as bank account. I am really irritated that this problem occurred because I input my credit card right before I made the purchase (check the time log if you have one) and that's what showed up as the payment method for the online transaction right before I hit "confirm." However, it didn't come out of the credit card. It ended up coming out of my bank account which was at $0 balance and I was hit with a fee of $32.00.
I'm really upset and will seriously rethink using PayPal in the future. This is the 2nd time this has happened and PayPal denied any wrongdoing and I end up paying for it.
I've yet to hear back from them after this but I would bet that it will be another indirect reply to my problem. I do not recommend using PayPal if you have another payment option.
Resolution Update 12/21/2014:
PayPal surprisingly refunded the $20 it cost me to place the Stop Payment request on my bank account. I went through Better Business Bureau, which I believe helped the situation.
Update 12/03/2014:
I contacted my bank's customer service department and they told me to place a stop payment request on all incoming transactions from PayPal. This prevents withdrawals from my savings account - even accidental ones. For this transaction and future ones, it will be pulled from my backup source which I selected as the credit card (the one I wanted the transaction to be on originally).
Update 12/06/2014:
I have contacted the BBB in San Jose, CA and reported this complaint. I'm really irritated that PayPal has not responded on their own, so I'm hoping BBB can help me.
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Would Not Work With Me To Waive Interest Charge
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SAN DIEGO, CALIFORNIA -- The department they claim can make decisions are unreachable via phone. I could not speak to anyone who had the authority to waive a finance charge. I was told the only way to communicate my issue was by sending a written letter. So that is what I did, and did I receive a response? NO.
June 7, 2013
Attn: Bill Me Later
P. O. Box 5018
Timonium, MD 21094
Re: Letter Mailed on May 10, 2013 – Request for interest charged to be waived.
To whom it may concern:
I am very disappointed in the service I have received from PayPal. I did not receive any communication whatsoever regarding the request I sent on May 10, 2013. I had to call the Bill Me Later office to find out that my request was denied.
It is very disturbing that I am not able to speak with a live person regarding this matter that has any authority to waive this interest charge; rather I am in the mercy of the people who receive my letter via "snail mail" and who obviously have no time to respond to my request.
My husband and myself are 31 years old with many more years of purchasing items. Due to your lack of customer service and empathy, I can say with 100% confidence that we will never use our PayPal accounts again. It is a sham that a large organization such as PayPal (Bill Me Later) would allow to lose a customer over a $53.34 interest charge; but you did. With much satisfaction I closed my account today. And I can assure you, I will go out of my way to let the people I know, and don't know for that matter, about my experience; thank heavens for technology.
May 10, 2013
Attn: Bill Me Later
P. O. Box 5018
Timonium, MD 21094
To whom it may concern:
I am writing today in regards to my PayPal account. I used my account back in October 2012 under a 6 month promotion. I checked the account last week and my statement showed a balance of $464; I went to pay the balance off today and it stated it was $517.34. I apparently missed the deadline to make my final payment free of interest, which was not my intention. I had planned to pay the balance off in full before any interest incurred.
I called PayPal customer service and spoke with Marco. He advised that I pay the $464 and then write a letter requesting that the interest be waved since I missed the interest free payment by 5 days. Therefore, I would like to kindly request that the interest be waved. I would be very grateful to PayPal for doing this for me.
I have copied the receipt language below for the payment I made today. I apologize in advance if there is an account number associated with my information; I was not able to locate any such number.
From: "service@Paypal. com"
Sent: Friday, May 10, 2013 8:28 AM
Subject: You have scheduled a payment to Bill Me Later, a PayPal service
Thank you for scheduling the following payment to Bill Me Later®, a PayPal service:
Recipient: Bill Me Later®, a PayPal service
Payment source: Echeck
Payment amount: $464.00 USD
Payment date: May 10, 2013 (at 23:59 PST)
Please feel free to contact me at the number below should you wish to discuss further.
Best Regards
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Jeff on 06/08/2013:
Good luck with that. Ebay and Paypal own bill me later.....Ebay and Paypal are almost virtually ran by computer....and almost impossible to get in contact with a real person....but have no problems raping you in fees and penalizing you for every tiny little thing.....Good luck getting any recourse or response from them.
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Paypal Tolerating Fraud and Illegal Activities.
Posted by
I purchased Window 7 Ultimate from ugetfile.com. I checked with Microsoft and they do allow some venders to sell their products via download. I received my invoice via email it include a link to download the software and a product key.
I noticed something wrong right away, the phone number was phony. it says 617-555-6986. There's no 555 phone numbers. So I decided to investigate the address too and, according to Google maps and Mapquest, it too was phoney and did not exist. It's below, you can check it and see for youraelf.
uGetFile. Com
44 Main Street
Boston Mississippi 02116
The street, the zip code, the city, even the phone number's area code are actually in Massachusetts instead of Mississippi. The 44 in the address does not exist in either state. Upon further investigation I found that the company and owner's information show that they are really located in California.
Since both the address and phone information were phony I decided to also check the Windows 7 product key. I used a free program, I can't recall it's name but it was something I ran across while perusing a tech site. I opened the program and put in the key and it indicated that the key was invalid. I followed up by calling Microsoft again and was informed that the product key I was issued was what's called an MSDN product key. It and Microsoft products are sold at a discount as kits to techs for trial and testing purposes only. They told me that the software and keys were not for sale or resale, and advised me that it was not permanent and would eventually be blocked by Microsoft. I was told to get a refund or proper software and key from the vender I purchased it from.
I immediately started a dispute against ugetfile.com on Paypal, which is how you settle disputes on Paypal. I stated all that I was told by Microsoft and requested a valid product key or refund. Instead of issuing me a proper key uGetfile.com decided not to talk to me and to escalate my dispute to a claim, which is the next step. Paypal decided with the vender.
They say because their claim process only deals with the shipment of goods not the attributes or quality of goods. At the bottom of the same email that was used to state their decision it clearly stated that Paypal does not tolerate fraud or illegal activity.
In my opinion that's a false statement. To me it's obvious that Paypal does tolerate both fraud and illegal activities. I went to a Paypal users forum and found many posts where Paypal users complained of similar incidents and results and that pursuing this further is futile. Below is a copy of an email I had prepared as a next step of communication with Paypal but decideed against.
Thank you for your attention to this matter. I read and had forgotten what your claims process covers. However I read even at the end of this email you sent that Paypal does not, I quote you using a cut and paste from your text below, "PayPal does not tolerate fraud or illegal activities". How do I go about instigating an investigation into fraud and illegal activity?
From my own checking what I bought from user Do Ha Duy Thanh is in violation of Paypal's no fraud or illegal activities tolerance policy. I want to request from you and hope that you investigate more thoroughly user Do Ha Duy Thanh.
Mr. Do Ha Duy Thanh, in my opinion, used PayPal and sold me a product from Microsoft that Microsoft stated is illegal to sell or resell. In the email from the seller with the product key which Microsoft told me was illegal to be sold or resold, the company information on my invoice is incorrect. Not only is it incorrect it is nonexistent. I used MapQwest and Google Maps no such address found. The city does not exist in the state named. The zip code is not in the state named. The phone number's area code is not in the state named. After the area code the phone number's first three digits are "555". A nonexistent phone number. That's fraud. Is it possible to check and see if fraudulent information was used to set up his PayPal account? Did PayPal unknowingly allowing this? How many others are also being defrauded and illegally sold this and other Microsoft products by this user via PayPal?
Here's a copy of the information that I copied and pasted from the invoice emailed to me after the sail (You can check and verify for yourself if it will help you in your decision):
uGetFile. Com
44 Main Street
Boston Mississippi 02116
United States
WEB SITE: http:/// www.ugetfile.com
E-MAIL: email@example.com
There is a lot more information that I gathered from just my own investigation that I feel will help you in your investigation. I believe that if/when you check into this user you will come to the same conclusion that I have; that I have been defrauded and sold an illegal item, and PayPal is what this user used to accomplish it.
Thank you very much,
Ricardo Jobes
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Transactions Put Through Bill Me Later Without Your Knowledge!
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MASSACHUSETTS -- Hello!
I really want others to avoid the huge problem I just went through with Pay Pal. Without realizing it, I inadvertently opened a Bill Me Later account. Because you have set this account up yourself (again without realizing it) the customer service people are not helpful at all. And will not reverse or even let you pay the amount off immediately with your credit card. I asked for proof that I set up this account ie. application etc. and was told that they do not have that information and that I was the one to set it up.
Because I didn't remember applying for Bill Me Later I decided to check into setting up a NEW Pay Pal account by setting up a bogus account. The first form after the personal information is an application for credit. Which was not my intention. The form does not mention Bill Me Later and you really have to read what it is really setting up. I wanted to be specific and add the verbiage to this review. So.. When creating a 2nd new account the option after entering personal info, was a Link Bank account/credit card page. Which is what you would expect.
Please be aware of this practice.
And read carefully before you set something up in Paypal. I had a huge hassle with transactions that were paid by Bill Me Later not by credit card as I had wanted. It's impossible to reverse the transaction, the customer service (located in the Philippines) were not helpful and I was told to redo the transaction which turned into a nightmare. Customer Service people were inconsistent with the policy and what they can do. It seems that Pay Pal preys on this kind oversight on the consumers part to better their bottom line.
Finally, I contacted the merchant had them "refund" the transactions and repurchased with the help of Pay Pal. I think more merchants should know about this practice and stop using Pay Pal as an option.
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Increased time for refund
Posted by
I attempted to make a purchase via Yugster.com. They were having an issue with their servers, which caused my payment to be withdrawn, but not submit the order. I received an error the first time using Paypal, so I thought it was an issue with that payment method. I re-entered the order using my debit card as the payment method and received the same order.
Shortly after, I received an email from Yugster describing the problem and the steps they are taking to resolve the issue. They were very pro-active in acknowledging the error and issuing a refund. Well I can see the refunds were received by Paypal and my bank the very next day!
Here is the difference; The refund issued for the debit payment method was there the day after the occurrence. The refund issued to Paypal was there, but they placed a hold on it, so these funds are not available to me. I'm told this can be 3-5 days before it is available.
So, if a speedy refund is part of your consideration in using Paypal vs a debit or credit card, you may want to skip Paypal.
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madconsumer on 12/14/2011:
very helpful review!
clutzycook on 12/14/2011:
I hate Paypal. If I have the option to pay any other way, I'll do it. If it's the only option, I'll question if I need the item in question.
Cwazychicken on 12/15/2011:
Paypal is very slow at refunds. This week I asked Virgin Mobile to refund me as my phone broke and was not using the service, they told me to expect the refund in 5-7 business days as that's my banks policy. Hey its better than waiting 30 days for accidentally ordering something for 100 bucks on Facebook (wanting to order something for 5, assuming 5 dollars was posted at the first slot, doh!), to dispute it and get a refund! That was the worst....
Alain on 12/16/2011:
Very helpful information, ChuhBaca, and a good review!
Warybuyer/seller on 12/25/2011:
Paypal has always said that it would take at least 3-4 business days to receive funds withdrawn to your bank account and claimed that it's your banks's policy. It isn't. I asked my bank how soon funds would be available to me if they were transferred in electronically, and they said IMMEDIATELY. Ask YOUR bank!
ChuhBaca on 12/26/2011:
Hey Warybuyer, you are correct. The do blame your bank. I didn't have to ask my bank, they demonstrated it. I had attempted to make the original purchase with Paypal. When that didn't work I tried payment directly with my bank debit card.
Refunds were issued by Yugster at the exact same time. The payment from my bank was credited immediately while Paypal didn't let me access the funds for about 4-5 days!
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PayPal Buyer Protection Program...has a loophole=SCAM!!!!
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Warning, PayPal's Buyer Protection Program is not all its cracked up to be. There is a loophole that scammers know of to rip you off. Here's how the scam works......The seller racks up a feedback score of 50 by selling bogus items on eBay (i.e. recipes, beads, or other cheap items). Then once he has a feedback score of 50 and 98% of those are positive, PayPal automatically displays their covered by "PayPal Buyer Protection up to $1000" seal on all his auctions. Then the seller lists expensive items, once he has this "seal of trustworthiness from PayPal". The buyer then sends funds though PayPal thinking that if he does not get the item, then PayPal will give the money back. Well, not so fast...Several weeks go by and no item, so the buyer emails the seller(scammer). The seller then tries to make the buyer wait past the 45 day deadline for filing for a refund with PayPal Buyer Protection Program by coming up with excuses, or saying he will reship(with no intention of doing so) hoping that he can delay they buyer from filing. Now if the buyer is smart, he will file a claim with Paypal before the 45 day deadline, but the scam is not over yet!!! When the claim is filed the buyer must choose if it is a "non-receipt" claim, or "goods significantly not as described" claim. The buyer can only choose one, not both--and here's the catch--ONLY 1 CLAIM CAN BE FILED PER TRANSACTION!! Well in this case, the buyer got nothing, so he chooses "non-receipt". Once the seller gets notification of the claim he has 10 days to respond, so he ships out a box(empty box, dirt, rocks)anything, just so it has a tracking number. During this 10 day response time the fraudster responds to the PayPal claim by giving them the tracking number of the phony package. Once PayPal runs this tracking number, they see it has been delivered to the buyer, and shuts down your case leaving the buyer empty handed, and the seller runs off with the cash! The reason why is because PayPal says this is a "goods" issue since the buyer got SOMETHING, not a "non-receipt" issue- so the buyer filed the wrong type of claim.-remember only one claim can be filed per transaction!!.....Now if the buyer used funds from his PayPal account to pay for this transaction, or funds from his bank account he is SOL. If the buyer used a credit card he can contact his credit card and file for a chargeback to get his money back...The moral of the story is empty your Paypal account before you buy anything so you can use a Credit Card via PayPal since their Buyer Protection Program is an invitation for scammers that know how to work the system. I can't understand why Paypal would aid and abet fraudsters by giving them this loophole to exploit innocent consumers. The thing that gets my panties in a bunch is that PayPal gives false expectations that your purchase will be covered when you try to change your funding source from bank account to credit card, when in reality their Buyer Protection Program is a BIG JOKE!! A complete online copy of Pay Pal's Buyer Protection Policy can be found at www.paypal.com/cgi-bin/webscr?cmd=p/gen/ua/policy_pbp-outside
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Silent_Assassin on 09/30/2005:
I used the papal buyers protection and it worked for me. I had preordered madden 06 from a guy and he ran off with my money. it took 10 days but I got my money back into my PayPal acct
wary-consumer on 09/30/2005:
Dear Silent_Assassin: The PayPal Buyer Protection Porgram can work just fine if the scammer does not take advantage of the loophole. In your case, if the seller would have sent you an empty box WITH A TRACKING NUMBER during that 10 day timeframe, you would have gotten NOTHING back into your PayPal account.
Silent_Assassin on 10/01/2005:
ahh I see. that sucks I'm sorry that you got taken like that. you could always put in a a dispute with eBay unfortunately they will take 25 dollars
wary-consumer on 10/01/2005:
Unfourtunaty I could not file a dispute with eBay, because PayPal deliberately held the investigation open past eBay's 60 day timeframe deadline to void that option for me (what a shady practice). You see they care about the buyer- they just want their cut from the transaction, and don't really care after that. Just for the record, I did eventually get my money back after fighting tooth and nail with PayPal because the seller gave them an invalid tracking number.
Sharkierools on 10/07/2005:
If you used your credit card on PayPal you can also file a claim through them. I would also file a claim with the PostOffice for mail fraud.
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Got Tricked Into Using the Bill Me Later
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AUSTIN, TEXAS -- This happened on 2 separate incidents at the same time period to both my husband and I:
(1) Tried to pay garbage bill with Paypal (PP), somehow linked it to BillMeLater (BML); said payment due on a certain date. Tried to link bank account/s to BML and it wouldn't accept routing and account #. Kept trying -how many banks accounts does a person have? The bill wasn't due yet, but BML said payment past due and tacked on Late fees ($25 +); in addition to changing the due date; over $100 fees.
(2) Tried to pay a software/computer service to 'unlock' computer (which happens to be another scam), but only let me pay through PP which turned into BML; same story as the first issue; turned into another $100 in late fees (again, starting with the $25).
I believe it's purposely confusing to trick you into using the BML service, then the due dates change without notifying you, purposely don't allow you to add your bank account if it's used in your Paypal account, but honestly how many bank accounts does an average person have? Then once it's considered 'late' your bank account is miraculously approved to be linked to your BML account.
Sounds like this has happened to many consumers from reading the reviews. There should be a major penalty for them to pay. When it was just PP, I was happy with their services; Apparently they became greedy! Now I want nothing to do with either!
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Fraud Alert Stopped Transaction, C.C. Still Billed
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I frequently use PayPal for most of my online transactions. It's a much safer way to pay because your C.C. info is not exposed. This dramatically cuts down on fraud and ID theft. I recently ordered a $1200 camera online from a reputable business. The sale was approved through PayPal and they sent me a confirmation email. My C.C. was also billed. The very next day I get an automated phone call from PayPal with a fraud alert. Checking my online account with them I had to change my password and security questions which I promptly did. I'm informed that my account has been reinstated.
A week goes by and no camera or confirmation from the retailer. I call them and am informed that PayPal stopped payment. I then call PayPal (45 min on hold) and am told this transaction did not fit my normal purchases. Huh? PayPal is only a service that collects a fee for not exposing my C.C. info. I have a $20K credit limit with my C.C. company. They are the one to make the determination about suspected fraud. While PayPal may have had good intentions they caused me aggravation. Had this been actual fraud I would applaud PayPal for catching it. I am not criticizing PayPal. Sadly this is the world we now live in and I have to accept some aggravation for the protection provided.
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nikalseyn on 09/22/2013:
I do not understand why you would want to go through a company like PayPal in order to bill your credit card. Just use your credit card and bypass the middle-man(PayPal)who appears to have terrible customer service anyway. You are protected with your cc for fraud.
CU on 09/22/2013:
I'd be much more worried about fraud FROM Paypal, rather than using my cc elsewhere. They are the bottom feeders of the financial industry and their corporate ethics are non-existent.
I'll just go to the store! on 09/23/2013:
Wow! I've been using PayPal for years and never had a problem. Did your address match? I've noticed on non PayPal orders (just had one) the difference between AVE. and Ave. threw the transaction off. I had to go back and correct the address to AVE. maybe next time I'll just change everything to Avenue.
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Today I attended the #LUCKYFABB West Conference at the Annenberg Community Beach House in Santa Monica. It was filled with fashionable fashion bloggers, magazine editors, press and Jessica Alba who spoke about her amazing eco-friendly baby line, HONEST. I will get to her company, but first let's talk about her
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WASHINGTON - Three charter school operators are applying for fast-track approval to operate 10 campuses serving thousands of Washington students.
The Washington Post ( http://wapo.st/RPCJML) two operators are applying to open schools in fall 2014.
The applications come as the city's traditional public school system prepares to close 20 schools that are under-enrolled. The closures are likely to give the fast- growing charter schools the opportunity to continue expanding.
Nexus Academy wants to enroll 600 students. It currently partners with Connections Education to run schools in Michigan and Ohio.
Virginia-based K12 Inc. is applying to open a 550-student school in Washington.
The third applicant is California-based Rocketship Education and could eventually serve more than 5,000 students. Charter school board spokeswoman Audrey Williams says Rocketship hopes to open eight campuses between 2015 and 2020.
Information from: The Washington Post, http://www.washingtonpost.com
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An Israeli soldier rides on top of an armored personal carrier close to the Israel-Gaza border on Thursday. Associated Press
Israel began mobilizing tens of thousands of troops Thursday and extended its aerial and artillery attacks on the Gaza Strip to a third day early Friday, while Palestinian militants mounted their deepest-ever missile strikes into the heart of Israel.
Israel began mobilizing thousands of troops Thursday, extending its aerial and artillery attacks on the Gaza Strip early Friday, while Palestinian militants mounted their deepest-ever missile strikes into the heart of Israel. Photo: REUTERS.
Israel hit the Gaza Strip with airstrikes and artillery shells for a second straight day Thursday and Hamas ramped up rocket fire at Israel, as both sides widened hostilities in the conflict's bloodiest escalation in four years. Charles Levinson has the latest from Tel Aviv on The News Hub.
A video released by the Israeli Defense Force on Wednesday shows an air strike on Hamas in Gaza City that it says killed Ahmed Jabari, the commander of the Hamas military wing in Gaza, Israel. Hamas officials confirmed Mr. Jabari was killed in the attack by the Israel Air Force.
After Friday prayers at the Azhar mosque in Cairo, worshipers chanted anti-Israel slogans in response to the clashes between Israel and Hamas in Gaza. Video by WSj's Sam Dagher via #WorldStream.
See Related Video on #WorldStream
The exchanges, which have killed 19 Palestinians and three Israelis, broadened a conflict that had erupted into the open Wednesday. Israel responded to escalating missile strikes from Gaza militants by launching a blitz of airstrikes that day that killed the top military commander of Hamas, the Islamist militant group and political movement that runs Gaza.
It was unclear whether Thursday's troop movements were designed to intimidate Israel's foes or to lay the groundwork for an invasion. Israel's leaders have said they are ready to launch a ground assault if rocket fire continues.
Early Friday, Israeli aircraft pummeled rocket launching operations of Gaza militants, the Associated Press reported.
"The situation has all the elements and dynamics that could lead us down the road to a place we haven't been before," said Steve Cook, a Mideast specialist at the Council on Foreign Relations. "It's a very dangerous situation, and it's difficult to say what the Israelis should do."
The conflict's course from here on out rests largely with Israel and its neighbor, Egypt—the two nations that form the cornerstone of U.S. policy in the region, but which have seen ties fray in the months since an Islamist government came to power in Egypt.
Conflict in Gaza Strip, Israel
Smoke rises from a Hamas site after an Israeli air strike in the center of Gaza city on Friday. European Pressphoto Agency
U.S. efforts to calm the situation depend largely on Egyptian President Mohammed Morsi, analysts said. Before becoming president earlier this year, he was a top leader in the Muslim Brotherhood, which has close ideological links to Hamas. With his election, he inherited oversight of billions of dollars in annual U.S. military support and a U.S.-brokered Israeli-Egyptian peace deal that has defined regional security for three decades.
On Thursday, Mr. Morsi ordered Egypt's prime minister to lead a delegation into Gaza on Friday, Egyptian state television reported. The visit would pose an unprecedented challenge to Israel, perhaps forcing it to scale back its military operations while the delegation is there. Mr. Morsi's activist response to Israeli-Palestinian violence marks a stark reversal from the more hands-off policies of his predecessor, Hosni Mubarak.
President Barack Obama and administration officials have been in contact with leaders of Israel and Egypt—staunchly supporting Israel's operation while pressing the Egyptians to rein in Hamas, officials said.
A rocket is launched Thursday by militants in the northern Gaza Strip. Associated Press
"I'm not going to speculate on where this might go, beyond saying that we all want to see a de-escalation of the violence and that the onus rests squarely on Hamas," said State Department spokesman Mark Toner. "It needs to stop its rocket attacks."
On Thursday, a Palestinian rocket narrowly missed Tel Aviv, setting off incoming-missile warning sirens in the city for the first time since Iraqi Scud missiles hit Israel during the 1991 Gulf War.
Thursday's three Israeli fatalities came when a Palestinian rocket struck an apartment complex in the southern Israeli town of Kiryat Malachi, marking the first deaths on the Israeli side in the conflict and the deadliest single rocket strike ever on Israel from Gaza. Three soldiers were wounded in Israel by a rocket strike later Thursday.
In addition to the 19 Palestinians killed in two days of Israeli attacks, 200 were wounded, Gaza health officials said. Those numbers seemed likely to rise as Israel resumed heavy aerial bombardments late Thursday.
In much of southern Israel and in Gaza, schools remained closed and most residents hunkered down indoors, sheltering from airstrikes and rockets.
Shortly after nightfall, Israel's military began mobilizing 30,000 reserves. Convoys of buses packed with infantrymen, and flatbeds hauling tanks and armored vehicles, rumbled down Israel's highways toward the Gaza Strip.
People huddle for safety in southern Israel after sirens warn of a rocket attack from militants in Gaza. Jim Hollander/European Pressphoto Agency
"We are in the process of expanding the campaign," Israel's top military spokesman, Brig. Gen. Yoav Mordechai, told Israel's Channel 2 television.
Earlier Thursday, Gen. Mordechai said military commanders had approved dozens of new targets in Gaza. Leaflets fluttered from the skies over Gaza around midday, warning residents to stay clear of Hamas personnel and installations ahead of continuing Israeli attacks. Army tanks fired shells at targets inside the coastal territory.
For many Palestinians, a more supportive government in Egypt would be their first sense of change from an Arab Spring that until now has largely passed them by. Hamas is an offshoot of the Muslim Brotherhood, and the two retain close ties.
"This time we know that this is a new Egypt—a new Arab world," said Haidar Eid, an associate professor of political science at Al Aqsa University in the Gaza Strip. "We are expecting the Arab World to do something."
Many Israelis and Palestinians argue that it was the rise of the Muslim Brotherhood in Egypt that helped emboldened Palestinian factions, including some elements of Hamas, to take a more defiant and confrontational approach to Israel that helped trigger this current flare-up.
After nearly four years of calm along the Gaza border, Palestinian militants have slowly stepped up their mortar and rocket attacks on Israel in recent months. Hamas, which in recent years had acted to prevent rival militants from firing at Israel, began to join in the firing itself, in what some observers believed was a response to rival factions' mounting criticism of the group for refusing to confront Israel.
In Ashdod, Israel's Iron Dome defense system deploys against an incoming missile. Associated Press
The days leading up to the Israeli attack saw a series of tit-for-tat skirmishes between Israel and Palestinian militants.
Israel has now struck more than 250 targets in the Gaza Strip, the military said. Gaza-based militants have fired around 300 rockets at Israel since the conflict began, Israel's military says. The country's newly deployed Iron Dome missile defense system, which is partially U.S.-funded, has knocked 105 of them out of the sky, the military said.
In other recent conflicts—Israel's 2006 Lebanon War, and 2009's operation against Hamas in Gaza—Israel intensely shelled suspected militant positions to soften resistance ahead of ground invasions. Israel's latest shelling has been more limited.
Both previous operations were followed by several years of calm. Both also were far bigger in scope, taking a massive toll on the civilian populations, killing hundreds of civilians and scorching Israel's image internationally.
The relatively lower casualty numbers in this assault would seem to indicate that Israel, for its hawkish talk, is mounting a significantly more restrained and pinpoint approach so far to operations than it has at times in the past.
That may help explain why international support for the Israeli offensive has remained strong. The U.K. on Thursday issued a statements of support for Israel. That followed similarly robust backing from Washington a day earlier.
"Hamas bears principal responsibility for the current crisis," British Foreign Secretary William Hague said.
—Joshua Mitnick in Kiryat Malachi, Israel, contributed to this article.
Write to Charles Levinson at firstname.lastname@example.com


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Frequently Asked Questions
Q. How long is the program?
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Applicants are admitted to begin nursing classes each Fall Semester.
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Priority for admission is based upon academic performance and non-nursing course completion.
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Following notification of acceptance into the nursing program, but prior to the beginning of the first clinical nursing course, students must submit documentation of:
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Heritage Open Days - Free Admission and Special Events
8th September 2011
Free admission at Birmingham's Community Museums for Heritage Opens Days Thursday September 8th to Sunday September 11th.
Heritage Open Days celebrates
Every year on four days in September, buildings of every age, style and function throw open their doors, ranging from castles to factories, town halls to tithe barns, parish churches to Buddhist temples. It is a once-a-year chance to discover hidden architectural treasures and enjoy a wide range of tours, events and activities which bring to life local history and culture.
Birmingham Community Museums will be open free of charge from Thursday September 8th to Sunday September 11th. There are also free events taking place at the museums. Highlights include:
Friday 9th September - Tour by Costumed Guide at
Saturday 10th September - Attic Tours at Blakesley Hall
Sunday September 11th - 'Worlds Apart - Parallel Lives' at Aston Hall. Family day celebrating Aston's past and present.
Sunday 11th September - '1611' - a fun theatrical celebration of the King James Bible at Blakesley Hall.
Find out about other Heritage Open Days events at Birmingham Museums and Art Gallery by visiting the What's On page.
Heritage Open Days website: http://www.heritageopendays.org.uk
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Episode 1
Nicola Murray is promoted to the Cabinet.
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The Thick of It returns with eight more episodes of sharp poltical satire.
Suitable only for 15 years and over
Nicola Murray is promoted to the Cabinet.
Nicola faces a crisis when someone wipes the immigration records.
Glenn's secret weapon for the Party Conference creates tension.
The civil servants are preparing for a visit from the Shadow Minister.
Nicola Murray and Peter Mannion are invited to a radio debate.
With the Prime Minister away, does Nicola have what it takes?
While Malcolm is on 'holiday', Nicola takes advice from the PM's new fixer.
As the Opposition eye the election prize, Malcolm is running out of options.
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Yoichi Wada • Page 2
TGS 2011: Wada and the paradigm shift of gaming's future
Square Enix's Yoichi Wada turned visionary in his TGS address this morning, telling the industry to climb the mountain of games tech diversity rather than fall. Brenna Hillier reports from Tokyo.4
Square Enix CEO and Yoshida among TGS 2011 keynote speakers
CESA has announced the keynote speakers for this year iteration of Tokyo Game Show, confirming Square Enix CEO Yoichi Wada and Sony Computer Entertainment Worldwide Studios president Shuhei Yoshida, among others, for the event.1
No Dragon Quest X on Wii U
The transcriber responsible for yesterday's Dragon Quest X on Wii U excitement has issued a correction redacting the story.3
Square Enix looking to revive certain titles, says Wada
Yoichi Wada has said its looking to revisit certain titles from the Square Enix library and reboot them in the same way its been done for Tomb Raider.15
Wada: Square looking at Wii U for Dragon Quest X
Square Enix boss Yoichi Wada has admitted that the publisher is currently looking at a Wii U version of Dragon Quest X.3
Wada partially blames FFXIV, and "weak communication," for Square's financial loss
After announcing its financials for its last fiscal year, Square Enix boss Yoichi Wada told investors that the firm's internal revamping will probably take one to two years to accomplish.16
Friday Shorts, Overnight Edition - Call of the Dead secrets, Pulse, papercraft
They're like popcorn, really – you just can't stop.0
FFXIV sells 630k in first month-and-a-half on PC, PS3 version still good for March
Square Enix president Yoichi Wada has confirmed that 630k units of Final Fantasy XIV have been sold since it went on sale at the end of September.9
FF Versus XIII PS3 exclusivity questioned again after job ad
The PS3 exclusive status of Final Fantasy Versus XIII is under siege once more after Square Enix listed a job vacancy for a "Battle Planner". According to Google's ropy translation, the listed job criteria includes development experience with PS3 and/or Xbox 360.37
Mike Fischer becomes US CEO of Square Enix
Square Enix has announced it's appointed Mike Fischer as its US CEO.0
Wada: "Difficult to determine" where Final Fantasy should "go", some fans "not very happy" with FFXIII
Yoichi Wada has told Gamasutra it would be "difficult to determine" where the Final Fantasy series should go following the release of FFXIII back in March.42
East and West can succeed at globalization with collaboration, says Wada
Square Enix president Yoichi Wada feels that neither Japanese nor Western publishers have "succeeded at globalization", due to parent companies having to much control over development studios.4
Iwata earns $770k basic salary, Miyamoto gets $1.3 million
According to an Asahi Shimbun report, Nintendo president Satoru Iwata's basic salary is ¥68 million ($770,000).8
Square to bring more social experience to games
Square Enix boss Yoichi Wada has said that every game the company develops in the future will incorporate "some element of multiplayer or social gaming".23
Yoichi Wada wants to see more Heavy Rain-like games
Square Enix president Yoichi Wada is a big fan of Heavy Rain. Big fan. He even says he wants to see more games like the Quantic Dream thriller.40
Don't read too much into Versus XIII 360 comment, says Wada
Calm down, calm down. Everyone return to normal now. Let there be peace again.67
Wada: Square "looking into" FF Versus XIII for 360
Holy shit, Batman! Square Enix boss Yoichi Wada has come out and said that an Xbox 360 version of Final Fantasy Versus XIII is being looked into.77
The 3rd Birthday to release this year in Japan, says Wada
Square Enix president Yoichi Wada has told Nikkei's Trendynet that The 3rd Birthday will see a release in Japan this year.12
Wada: Square Enix to "explore" an FFVII remake
Hold the phone. Have a press? Shut it down. Got a front page? Hold the shit out of it. Square Enix CEO Yoichi Wada has said, has actually said in real words, that the company is to "explore" the possibility of remaking Final Fantasy VII.38
Wada: Final Fantasy marketing strategy "differs with each game"
Yoichi Wada wants you to buy Final Fantasy XIII because, apparently, shipping 96 million copies of the Final Fantasy series since 1987 isn't enough.3
Yoichi Wada Latest
Wada: "Difficult to determine" where Final Fantasy should "go", some fans "not very happy" with FFXIII
East and West can succeed at globalization with collaboration, says Wada
Iwata earns $770k basic salary, Miyamoto gets $1.3 million
Square to bring more social experience to games
Yoichi Wada wants to see more Heavy Rain-like games
Don't read too much into Versus XIII 360 comment, says Wada
Wada: Square "looking into" FF Versus XIII for 360
The 3rd Birthday to release this year in Japan, says Wada
Wada: Square Enix to "explore" an FFVII remake
Wada: Final Fantasy marketing strategy "differs with each game"
Wada: Microsoft "asked us" to do FFXIII for 360
Wada: Japanese retailers are prejudiced against Western games
Inafune's 'Japan is dead' comment was "discouraging," says Wada
Wada: FFXIII could signal death of "this type of game" at Square
Square Enix "taking root" in 2010, says Wada
Wada: Not a lot of "newness" to FFXIII
Wada: "Too much IP use is not good"
Wada: Square Enix working on "first global game" in Montreal
Square plans to double its profit to $561 million in three to five years
Square boss confirms 2-3 new mega-franchises in dev
FFXIII will sell more than 6 million units, says Square
Square head wants Japanese devs to create more "adult" oriented games
Wada: New Wii in 2011, motion tech to have "small" impact on PS3, 360
Wada obsessed with Dragon Quest IX
Kitase: Final Fantasy titles shouldn't take as long to develop in the future
CESA release partial game and speakers list for Tokyo Games Show 2009
Keynote speakers revealed for Montreal International Game Summit
Wada: FFXIII date announcement "in a few weeks"
Square "considering" DQIX release overseas
Wada: We're expecting Dragon Quest to ship more than 5 million copies


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Swivel Chair, vinyl, without arms, 22"-27" height adjustable, 16-1/2"W x 16-1/2"D x 2-1/2" screw adjustable seat, 15"W x 10"H x1-1/2" "floating hinge" back adjustable in or out, swivels 360°, foot ring adjustable on 3/4" increments from 5-1/2" to
- Nexel's industrial and food service storage and handling equipment is designed for heavy duty commercial use. They produce an extensive line of shelving, racks, bins, displays, and other solutions for storage, transport, and commercial displays. Their products are used extensively in restaurants, bars, schools, hospitals, retail outlets and anywhere else sturd &, sanitary storage and transport of items is needed.


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An evening out calls for a sophisticated yet versatile outfit. This season, short black shift dresses are trending and make for an ideal
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MUHLENBERG COUNTY, Ky. (12/9/13) — The Felix Martin Hall production of Macy's "Yes, Virginia-The Musical" has been rescheduled.
The performance was cancelled due to weather conditions last weekend.
According to Sean Mooningham, who is part of the production, the new time and dates are 7 p.m. Friday, Jan. 10 and Saturday, Jan. 11 and 2 p.m. Sunday, Jan. 12 at Felix Martin Hall, located on the Muhlenberg County High School West Campus.
All ticket holders should keep their tickets, which will be good for the upcoming dates.
Paul McRee
Surfky News Reporter
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Slippery slope of AFL coaching
Daniel Cherny What does each coach need to do in 2015 to ensure they still have a job this time next year?
Stories that shaped 2014
Ronny Lerner 5:00 PM We count down the top 10 stories that shaped an action-packed 2014 AFL season.
Hawthorn is on track for three-peat
Saints hopeful on Junction
Cat charged after leaving accident
Cats protect home base
Bombers see light at end of tunnel
Saints look to ex-Blues recruiting boss
Welsh named Saints defensive coach
Kreuzer marches forward for Blues
Malthouse extends uni contract
Saints run personal bests
Neeld and Craig glad to be together
Why Winderlich came back
ASADA submission stretches into 2015
Saga set to end with whimper
Rohan Connolly COMMENT For a story that began with a big bang, the Essendon supplements saga appears set to conclude with one almighty whimper.
AFL pre-season training 2014
GALLERY Players return to their clubs as pre-season training gets under way in earnest for season 2015.
Christensen receives huge honour
Ronny Lerner The Lions have unveiled their new jumper numbers for the 2015 season with the highest honour being bestowed on former Cat Allen Christensen.
AFL Draft 2014: meet your club's future stars
AFL Draft 2014: meet your club's future stars. The best pcitures from the 2014 AFL draft on the Gold Coast.
An opportunity too good to pass up, says Boyd
Emma Quayle New Western Bulldog reflects on his road to the Western Bulldogs, and what he wants to do for his new team.
Northern academies start boosting the AFL draft pool
Emma Quayle In the months leading up to last Thursday's draft it felt like New South Wales was represented by just one person.
Late picks more important than first rounders
Liam Mannix All the focus of this year's draft is already on clubs' first round picks – but a new analysis reveals players taken in later rounds are far more important to a club's success.
Stars align for Silvagni homecoming
Caroline Wilson The historic significance of Stephen Silvagni's imminent return to Carlton should not be underestimated.
AFL looks at trading of future picks
The AFL will seriously consider allowing clubs to trade future draft picks - adopting a model from American sports.
Where did all the young ruckmen go?
Emma Quayle Before Thursday night's draft one of the most common questions asked by recruiters was: where are all the ruckmen?
Caught up in the AFL draft tornado
Peter Hanlon Wherever you sit on making grown-up saviours out of kids who've never played in a man's world, there is no denying the AFL national draft's explosive growth.
Melbourne's captaincy blunder
Jake Niall The club had so little confidence in the leadership capacity of its senior players that it made a radical decision that finally reached an inglorious end.
Need an off-season footy fix?
From ASADA to COLA, the AFL season may be over for 2014 but the news cycle never stops. Rohan Connolly and Jon Pierik dissect all the off-season action.
Hawks celebrations start rail fire
As the premiers returned to their home suburb, streamers released into the wind caused sparks to fly on eastern suburban railines.
AFL grand final: Hawthorn wins back-to-back
Sydney started well until the Hawks launched a physical tornado that blew the Swans away by 63 points.
Timelapse: a perfect day at the MCG
Dean Lawry It's a beautiful spring day in Melbourne, as Hawks and Swans fans flock to the MCG for the AFL's biggest day of the year.
Priddis proves the power of humility
Peter Hanlon Nowhere in an increasingly blocked-out calendar do the howls of "look at me" echo louder than on Brownlow night.
Coaches exit as player power rises in the AFL
Caroline Wilson Brendan McCartney's departure shows yet again how this game and its leaders can spin just about anything.
Hawthorn in the hunt in bid to become best of era
Jake Niall The Hawks have matched Geelong, their great adversary, by winning a third premiership since 2007.
Defeats beget victories
Rohan Connolly There's a very strong common denominator between Hawthorn's first back-to-back premiership sides of 1988-89 and the Hawks of 2013-14.


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What does MMI mean in Colleges & Universities?
This page is about the meanings of the acronym/abbreviation/shorthand MMI in the Academic & Science field in general and in the Colleges & Universities terminology in particular.
Motorcycle Mechanics Institute
Find a translation for MMI in other languages:
Select another language:
What does MMI mean?
- MMI(Noun)
- Man-Machine Interface
Discuss this MMI abbreviation with the community:
Use the citation below to add this abbreviation to your bibliography:
"MMI." Abbreviations.com. STANDS4 LLC, 2014. Web. 26 Dec. 2014. <http://www.abbreviations.com/term/276820>.
MMI also stands for:
- Machinery Marketing, Inc.
- Madison Media Institute
- Maintaining Maximum Integrity
- Man Machine Interface
- Man/machine Interface
... and 38 more »
Nearby & related abbreviations:
Alternative search:
- Search Motorcycle Mechanics Institute on Amazon.com
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Testing a sig
The 1 point part? Or the Seacrest part?
I get the seacrest part because you posted it like 4 post up. not the one point.
payment i assume
Mod over at reddit.com/r/NOLAPelicans
That seems to be the going rate for new sigs around here.
Is there an exact start time for in-season free agency? Just wondering since it's first come first serve.
I made it myself lol. Can I get my own points? I have absolutely no sig experience in my life and i'm sure it shows, but i'm not giving out hard earned points out!
Willing to trade Moiso, Mason, and picks for an a very good SG, SF, or C.
HR Sim League Orlando Magic
PG: Luke Ridnour, Delonte West, Greg Minor
SG: Andre Iguodala, Mickael Pietrus
SF: Shareef Abdur-Rahim, Boris Diaw
PF: Charlie Villanueva, Ian Mahinimi, Amir Johnson
C: Eddy Curry, Mamadou Ndiaye, Adam Parada
Willing to trade PF Michael Stewart for a 2nd round pick. B+ defensively and B- rebounding. Averaged 3.4 pts and 5.2 boards in 17 mpg last season.
Emeka Okafor - Joe Smith - Carmelo Anthony - Manu Ginobili - Jason Williams
Al Jefferson - James Posey - Aaron McKie - Shaun Livingston
Willing to trade Stackhouse and 2 Firsts for Duncan, Garnett, or another beast.
and stackhouse isn't good enough for either of them. Hell of a scoring threat though.
I'm just saying Duncan/Garnett would be near impossible for anyone to acquire. Both are young and studly
Damn I messed the free agency up a little, I kept certain offers out that I didn't want to keep and now I got two players that I didn't want at sf and my roster's full Still got bigs I want in free agency.
Last edited by wuggie; 07-26-2012 at 06:49 PM.
"I want ONLY 9 eyebrows in the starting lineup for the Hornets next year." I typed this before the draft lottery
If a FA thread is locked does that mean we cant bid on the player anymore?
There are currently 2 users browsing this thread. (0 members and 2 guests)


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A superb site for a production company that uses video in a fascinating way.Posted in Web Design → Blog
I love the simplicity of this login screen and the simple animation that goes along with it.Posted in Interface → Web App
I love the iOS 7 aesthetic of these icon designs. I particularly like way the camera icon design matches the actual camera on the back of the iPhone.Posted in Interface → Element
A superb logo for Fence Hub (a coming-soon site that will let homeowners learn everything they need to build or buy a fence). I really like the simple execution of the concept, it's very effective.Posted in Branding → Logo
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A simple portfolio for a specialist digital and graphic design agency. I particularly like the simple layout, minimal use of text, and overall lack of clutter.Posted in Web Design → Design
Spear is my take on a NAS Application, meant to be fast, reliable, and above all, as user-friendly as possible (KISS). I've decided to create a modular design as in my opinion it makes a lot of sense to allow the user to customize and arrange how the information is displayed. This also allows for a more fluid layout where needed, for example, low resolutions.Posted in Interface → Web App
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A fascinating and minimal site for a furniture designer that uses images and text on white to create contrast.Posted in Web Design → Misc
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A superb site for a passionate team of designers, developers, and marketers, that build high quality websites. I like the intuitive navigation and effective use of colour for branding.Posted in Web Design → Design
A beautifully crisp and clear retina-ready theme that's responsive and fully customisable.Posted in Web Design → Corporate
A really effective concept helps this icon to make an immediate impact. I particularly like the simple execution of the concept.Posted in Interface → iPhone App
A superb example of consistent design across ten different business cards. The typography works particularly well to create a distinct sense of coherence.Posted in Branding → Business Cards
Responsive landing page for a campaign offering Kindling's idea management software for free to eligible startups. The page design is fully responsive and also provides an animation in the header using CSS keyframes for supported browsers.Posted in Web Design → Software
I freelance as an architectural photographer, and am working on an updated website with new branding. The logo consists of a simplified r and m that are arranged to resemble a triplet of arches.Rob MintzesPosted in Branding → Logo
A crisp and beautifully clean calendar design that uses icons effectively. I like the functional design and the way colour is used to create emphasis in the correct places.Posted in Interface → Element
An intriguing logo design variation on the BoldMedia branding. I love the use of colours and the way the symmetry creates an instantly recognisable mark,.Posted in Branding → Logo
This is one of the screens from the redesigned sign in/sign up flow on Dropbox for Android, which shipped not too long ago. We halved the number of steps to sign up and cleaned up the visuals.Posted in Interface → Android App
A collection of five flat browser icons for Opera, Safari, Chrome, Firefox, and Internet Explorer. We're really happy to share these with you — they should have a really wide range of use cases, and they're a gorgeous symbolic representation of each browser icon!Posted in Interface → Element


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Introduces the Adobe web typography subscription service, showing how to embed and deploy a variety of font styles quickly and easily.
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10 Most Pinned Super Bowl Recipe Ideas
We know you'll drool over these Super Bowl recipe ideas. Why? Because you picked them they're being repinned all over Pinterest! Don't have them on your boards yet? There's no time like the present to get pinning.
10. Healthy Makeover Macaroni and Cheese
It's no surprise that our healthy take on this ooey, gooey classic scored 58 repins; it looks and is delicious. But what is surprising is that our revamped version of this comfort food classic, with reduced-fat cheese and low-fat milk, has only 420 calories and 12 fat grams per serving.


text: 5 RETRO IS THE FUTURE!! :)GorJam | 28/04/2013 | See all GorJam's reviews (9)The best film ive seen in ages. If you have played ANY amount of computer games or know about them over the last 25 years then this film will appeal to you on a high level.It is a good story without that knowledge too but the little things made me chuckle and nod approvingly....MGS exclamation from the trunk lol


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Create a lasting impression of your thoughtfulness and appreciation for any CEO or executive with this distinctive personalized pen set. This handsome CEO's set includes a stylish ball point pen and roller ball pen, both in a classic combination of black with silver accenting displayed in a quality handcrafted wooden case.
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"Graduation Gift"
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Protect your little one in this adorable Rose Baby Bucket Hat. The hat also has quick drying capabilities to keep your baby dry after splashing in the water.
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Monday, July 29, 2013
Playing with new fabric
31 comments:
Those fabrics are great, I love the rulers and those daisies!ReplyDelete
I love Potluck. It was so fun to see it at Market. Do you have something special planned for this??ReplyDeleteReplies
Well, yes and no. :) I'm going to make some Dresden Plate blocks with them, but then they will probably join the epic Sandy Klop stash.Delete
Oooh, lots of prettiness there :o)ReplyDelete
I just used Baby Jane in a project and loved it. Such pretty colors!ReplyDelete
Gorgeous new fabrics! I'd love to play with them too. :-) Have fun!ReplyDelete
Lovely!! I heart the reds and oranges!ReplyDelete
I love your Virtual quilt blocks - they look great.ReplyDelete
I am also infatuated with Sandy. :)ReplyDelete
With most lines (even her's) there are some prints that I don't like, but I love everyone of these! I might have to order my first FQ Bundle - or 1/2 yard bundle? :)
Those American Jane chicks are on my list! I signed. Up to be alerted when they are available on FQSReplyDelete
Love love love these. Infatuation doesn't even describe it. :))ReplyDelete
We have the same taste in fabric for certain. Potluck and Baby Jane are two of my top 5 upcoming fabric lines. All the prints and colors are great for stash-building too, not that I need any help in that area!ReplyDelete
I can see why you are an American Jane fan!!! WOW, that collection is incredible! You blocks look fantastic, as well!!ReplyDelete
I love love love American Jane. I did my trip around the world with the ABC123 collection. I can't wait to get my hands on some of the potluck collection.ReplyDelete
I love love love American Jane. I did my trip around the world with the ABC123 collection. I can't wait to get my hands on some of the potluck collection.ReplyDelete
Oh Amy...you are one lucky girl...I would so love to play with those fabrics also :) vickilw at tpg dot com dot auReplyDelete
Hey Amy! What type of Union Jack pattern are you making? I made a non-paper pieced version earlier in the year that I want to use in a quilting bee, but always looking for other options! I've got it on my blog mollisparkles.com if you want to have a look!ReplyDelete
Hi! These fabrics are so adorable! I love happy and sunny colours and here they are all with beautiful prints! Sunny wishes from Greece!ReplyDelete
Love the colour palette in those bundles! So fresh and summery :-)ReplyDelete
Wow, good news indeed! These are fabulous, and nice to see so many faves all in one group, with such super colors!ReplyDelete
oooooh I have never owned any American Jane Fabric, though I have always wanted to. I am drooling here! I love your bee blocks!ReplyDelete
Wow! Such beautiful fabrics and colors! It's like candy for my eyes! I love your quilt blocks too! The gray one with the red and blue is especially stunning! :-)ReplyDelete
I am in love with thos etwo fabric lines right now also...Love the colors and I love that tape measure print..ReplyDelete
Everything Sandy Klop designs makes my heart go pitter patter. I got butterflies when pictures of that fabric popped up on my screen. Enjoy!ReplyDelete
Amy, I am joining you in your infatuation for POTLUCK, I absolutely Love this line.ReplyDelete
Hey, we carry that gorgeous BABY JANE collection, also! :-)ReplyDelete
Love the colors and patterns. Such "happy" fabric.ReplyDelete
I love Potluck! This is my first time seeing it. I've had a snowball quilt on my to-do list for years but haven't acquired the right fabric for my "vision". I feel in love with a sample quilt made out of bright 30s repro prints in my LQS and just can't get it out of my head. This line would be perfect! Looking forward to seeing your finished Baby Jane quilt - that is a color combo I would never have picked on my own but they look fantastic together.ReplyDelete
Great looking fabric - the blues and oranges are calling out to me! Look forward to seeing your projects.ReplyDelete
Darn You Woman! I'm trying NOT to want every piece of fabric I see and you're not helping LOL!!!ReplyDelete
Absolutely love the Potluck line.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!