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Morning Star Click 1/2" x 5" Dao Click Strand Bamboo
Click here for detailed information.
Morning Star Bamboo Flooring is one of the best bamboo floors on the market today. It is produced from old growth bamboo reeds that are at least 4 years old, thereby increasing hardness. Morning Star Bamboo Flooring creates a naturally beautiful and ecologically friendly product that evokes a feeling of luxury.
Quick Highlights:
To make strand bamboo, shredded bamboo fibers are compressed under extreme heat and pressure. This manufacturing process yields flooring that is even harder and more dense than traditional bamboo floors. Available in a variety of colors to complement and décor, all Morning Star strand bamboo products are finished with premium coating and backed by a 30 year warranty.
And, since bamboo is a naturally sustainable grass that re-grows spontaneously after harvest, you can feel good about making an environmentally friendly flooring decision.
It's simple...
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Comparing Bamboo prices? SAVE EVEN MORE with FREE Shipping to any store with in-store pick-up.
We caught up with real Lumber Liquidators' customers who volunteered to discuss their floor shopping, buying and installation experiences. In no way did these customers receive compensation for their kind words. (They're speaking straight from the heart.)
QUALITY GUARANTEE: This flooring is constructed and tested to meet or exceed industry standards for emissions.
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Reviewed by 19 customers
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Best Uses
We purchased: Morning Star Click 1/2" x 5" Dao Click Strand Bamboo flooring for our entryway, stairs, living and dining room. We couldnt be happier. I read reviews and saw some negative comments but after discussing with the store manager came to the conclusion that this floor was just as satisfactory than other products out there that I researched. Most importantly, you must prepare your surface and read the installation instructions and follow them. My installer was fabulous and experienced. I will upload pics to show how beautiful the flooring is. My only issues is that it shows the dust and fibers from my wool area rug but any dark flooring will. I dont regret it at all and love the dark color so it is well worth me running the vaccume or using my floor cleaner. If by chance you get a scratch because all floors will scratch...a quick rub of Old English dark stain polish fixes it immediately. This floor is simply beautiful. I also ordered the floor registers to match which again were worth every penny!
I dont want to forget our East Peoria Illinois staff, they were so kind, helful and always there for us.
Best Uses
As others have said, every bit of dust shows on these floors. I have these floors installed throughout my entire house. Literally everywhere except closets and bathrooms. I have 2 robot sweepers roaming around the house most days, I also try to swiffer and mop with the bellawood floor cleaner once a week. This keeps things pretty tidy. I'm a single male and I travel a lot for work, so my floors don't get very much traffic, so the weekly cleaning regimen is plenty for my floors to stay looking like something out of a magazine.
Also, this may sound a little weird, but I have found that if you have any deep or light scratches that shows the lighter "bamboo color" under the dark stain take a regular black sharpie and color in the scratch then IMMEDIATELY wipe in the direction of the wood grain with a regular paper towel. For large scratches do small sections at a time to make sure the sharpie doesn't dry on the surface. You'll be surprised at the results!
Best Uses
I'll reiterate what others have said before. "Every dust shows...", "Looks great until you walk on it...". That pretty much sums up my issue with these floors. The problem in my living room is that there is direct sunlight. It shows all the dirt, streak, sweat, oil that's on the surface. Within 1 week, there are scratches everywhere, I'm hoping those scratches can be fixed. It does look great right after you clean it but it doesn't last long. High maintenance.
Best Uses
This is a great product so far, but we have only had it for a week. I will probably give it 5 out of 5 in the future, but only gave it 4 because we have not had much traffic on it yet. People love the color and the feel, so I think it will be a great investment.
Best Uses
No doubt this floor is beautiful. But with beauty comes a huge price. Super high maintenance. The problem with the floor is in the construction. It is a dark stain layer on top of a blond colored bamboo wood. Once the surface is scratched, it shows the light wood color underneath. Traditional oak floors are solid wood throughout. So if oak is scratched, oak shows through. Can't really see the scratch. Plus LL does not have available a stain to touch-up any damages. Not good. Also, this flooring looks satin in finish but the satin finish polyurethane available in the hardware stores looks semi-gloss compared to the floor finish. I called LL to get help but they could not assist me in getting what I need to repair scratches. My advise, buy a solid wood flooring. Same color from top to bottom.
Best Uses
I love this floor. Not a huge coloration difference in boxes. Installed 1000 sq feet over 3 days. Had a lot of cuts. The boards are super strong as you can tell while using a jigsaw. Used glue in the click lock joints to be safe. Have a surface scratch- floor cleaner made it disappear. Will show dust and dirty shoe marks due to the dark shade. Wanted a dark floor and couldn't be happier.
Best Uses
did 2 rooms, almost 400 sq ft, with 3 other guys in about 7 hours, it looks great & the wife is happy
Best Uses
Even though it is a dark wood, it does not darken the rooms. We used it in an open concept (entire downstairs) and it looks so much bigger with one floor! It is beautiful. More beautiful than I expected. Easy to clean. You do notice small debris dropped, dust not so much.
Best Uses
This floor was very easy to install. Used the Eco Silent Sound HD underlayment. That was very easy to use also. I bought this floor because of the beautiful look, but also the durability. I needed something that was going to hold up well. I have a dog and a couple of grandchildren. I took a sample of this floor before I bought it and beat it with a hammer as hard as I could. I could barely even make a noticeable dent. Other hardwoods I could tear up with a hammer. I was sold.
Best Uses
The planks are very beautiful, indeed. The click - lock system made it easy to install. However, after installing some of the flooring, it made a crunching sound with every step from our feet. It was not the hollow sound that you would hear from cheap laminate flooring. The sound was very annoying.
We had to disassemble the floor and redo it. This time we applied adhesive to the tongue and groove. The crunching sound was reduced to a couple steps here and there.
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Do you have questions about this product?
AnswerBox - Get answers from Staff Experts and real customers by clicking "Ask a question"
or click here to ask our Customer Service Team
Q:What is the most recommended floor for a family with a puppy and a toddler? We need a floor that can resist spills and puppy's accidents.
1 answer
A:This product question would be better answered by our Sales Department, they are more familiar with all of our flooring products and can better assist you with your questions.
Q:In the instructions you say to use PVA wood glue when you have 3 inch pieces or less. Will the glue be applied to the bottom of the 3 inch plank? Where can you purchase this? What is so different than using regular wood glue?
1 answer
A:Use PVA wood glue in the locking mechanism of the click bamboo for smaller pieces. Find at any homecenter/hardware store or find at your local Lumber Liquidators and here - http://www.lumberliquidators.com/ll/c/Floating-Floor-Tongue-%26-Groove-Adhesive-FFTGA/10010421
Q:which way does the plank start in the room you will be installing? when you enter the room which way will the plank be facing the doorway opening to the hallway?
1 answer
A:You can find complete installation instructions on the product page by clicking on the installation tab and then clicking on - Installation Guide.
Q:I just picked up the first batch of Dao Bam strand woven click bamboo from Morning Star. I noticed when opening up some of the boxes that the surface is not always smooth, but sometimes contains grooves and areas that were fixed, i.e. an insert was visible. With the risk that I set myself up to get the obvious answer: Is this normal, or is this supposed to be a A-quality product with a completely smooth surface?
1 answer
A:Without being able to see the product you received, My suggestion would be to contact your local store and bring some of the planks that are in question to compare to the store sample.
Q:Can this bamboo floor be sanded and refinished, and if so, how many times?
1 answer
A:Yes. Bamboo flooring can be fully re-sanded and finished as any other species. You should be able to refinish your floor at least 4 to 5 times if not more. But that would be a jobsite decision made by a certified professional sand and finisher.
Q:I'm interested in this flooring but I am hesitant to use a floating floor application. A lot of flooring I've used in the floating have had a hollow sound regardless of underlayment used. Can this flooring be nailed with a flooring nailer?
1 answer
A:We do not recommend nailing this flooring because of the locking joints, however it may be glued to the subfloor. See - www.lumberliquidators.com/assets/images/installation/morning_star_clic.pdf
Q:I don't see any trim that matches this. What would I use for door transitions?
1 answer
A:There are T-moldings and thresholds attached to the product page.
Q:is bamboo flooring appropriate for a bathroom that contains a sink, tub and shower? Can bamboo resist a heating system (floor) in the bathroom?
1 answer
A:Bamboo is not recommended for bathrooms.
Q:Can you use a steam cleaner on this floor
1 answer
A:We can only recommend our Bellawood Floor Cleaner, or cleaners that are safe for water based urethane finishes. Never use any polish, wax, oil soaps or cleaners that add shine to the floor. In addition, we do not recommend using steamers or wet-jet cleaning systems for hardwood because spraying can collect moisture in between board edges. The use of these products is at your own risk.
Q:When using the Dao click-lock do u get any shade or color varriation between boards like you might with natural woods. Also is the Dao click handscraped or distressed? It looks like it has a minimal amount of distressing, but there's nothing in its description about weather its handscraped or distressed. We are looking for a floor that is dark and has some shade/color differences and is also slightly handscraped and distressed so the final look is more rustic floor without it being super distressed with a wire brush or hammer. Just gently distressed, if that's even possible.thanks for answering!!!
1 answer
A:This product question would be better answered by our Sales Department, they are more familiar with all of our flooring products and can better assist you with your questions.


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Associated Press
LONDON (AP) -- The little prince was in need of a name, and now, by George, he's got one.
Make that three: George Alexander Louis.
The announcement Wednesday that Prince William and his wife, Kate, had selected a moniker steeped in British history came as royal officials said the new parents were seeking quiet family time away from the flashbulbs and frenzy that accompanied the birth of their first child.
While the news put to rest intense speculation over what name the couple would choose, the extreme interest around it illustrated how the 2-day-old future heir is already on his way to a lifetime of fanfare and public glare.
Kensington Palace said William and Kate were "delighted to announce" their son's name, adding that the baby will be known as "His Royal Highness Prince George of Cambridge."
The name George -- borne by six kings -- befits the boy now third in line to the British throne and was a favorite among British bookmakers, evoking the steadfastness of the queen's father, George VI, who rallied the nation during World War II.
Alexander is a name shared by three medieval Scottish kings, and Louis could be a tribute to Lord Louis Mountbatten, uncle to the queen's husband, Prince Philip, and the last British viceroy of India before it gained independence in 1947. William's father, Prince Charles, was close to Mountbatten, who was assassinated by the Irish Republican Army in 1979.
The announcement of the name, just two days after the baby's birth, was quick by royal standards. Queen Elizabeth II and Philip took a month before settling on the name Charles for the Prince of Wales. Charles and Princess Diana took a week before settling on William's four names.
While a king usually rules under his given name, precedent shows that the prince is not hidebound by George. The first name of George VI was actually Albert, but he picked his fourth name to use as sovereign in honor of his father, George V.
For now, palace officials say, William and Kate are spending "private and quiet time for them to get to know their son." Some of their discussions may revolve around how to shield him from the media.
The young prince's relationship with the media appeared to get off to a good start -- an encouraging sign for a royal family that has had tense moments with the press.
The baby slept through his first photo op Tuesday outside London's St. Mary's Hospital, while his parents beamed as they chatted easily with reporters.
"I thought, 'Is this an Oscar-winning performance?'" said Ingrid Seward, editor-in-chief of Majesty magazine. "But I think they were so genuinely overjoyed that they wanted to show off the baby."
After leaving the hospital, the couple introduced their son to his uncle, Prince Harry, and to great-grandmother Queen Elizabeth II, who was keen to see the baby before she starts her annual summer vacation in Scotland later this week.
Then they headed to see Kate's parents in their village near London -- pretty much like any regular family.
There has been so much royal drama in the last few decades that it's easy to forget William had, by royal standards, a relatively normal childhood.
His parents' troubled marriage may have ended in divorce, but Charles and Diana were devoted parents who tried to spend as much time as possible with their children, albeit with an assist from nannies. While the queen was sometimes away on official tours for months at a time when her children were young, Charles and Diana took William along on a tour to Australia when he was just 9 months old.
The queen was educated at home, in keeping with royal tradition. But she sent her own children to boarding schools, and Charles and Diana did the same with William and Harry -- choosing Eton, one of the most prestigious boys' schools in the country.
"William's childhood was normal by upper-middle-class standards -- private schools, expensive holidays, McDonald's in a smart part of town as opposed to a grotty part of town," said royal historian Robert Lacey. "I think, really, one is going to see more of the same."
Lacey said Kate's middle-class background will also help ensure her son gets a broader world view than some of his royal predecessors. The baby's maternal grandparents, Carole and Michael Middleton, are self-made millionaires who run a party-planning business from the village of Bucklebury, west of London.
"From Buckingham Palace to Bucklebury -- these are the two elements that will be in this child's upbringing," Lacey said.


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Intervention: (S01.Ep.11) Rachel & Tommy DVD
Sale Price: $19.99
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: June 26, 2005
Explore the plights of a heroin addict at the brink of death and a former executive dependent on cocaine.
- Reality TV at its most unvarnished and gripping.
- Watch as addicts and their families confront the compulsions that are destroying their lives.
- Revisit Tommy, the former Texas executive who is battling cocaine addiction.
In INTERVENTION, people confront their darkest demons and seek a route to redemption. From compulsive gamblers to shopaholics, drug addicts to young people estranged from their families, INTERVENTION features real people at the breaking point as they are confronted by friends and family. In fly-on-the-wall style, INTERVENTION captures the drama as people grapple with their demons in an attempt to chart a course to recovery.
Rachel, 26, grew up in an idyllic upper-middle class home in Maryland. But she is now addicted to heroin and living on the streets, making money as a prostitute. Tommy, who INTERVENTION has chronicled before, is a former executive who has lost everything to cocaine. As Rachel and Tommy hit bottom, their friends and family realize that they must reach out to try and stop their slides.


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Vincent Barrel Chair
# 09471
With its retro shape and quality craftsmanship, our Vincent Barrel Chair offers the perfect style to update any room. Buy a pair and flank them in front of a fireplace or create a cozy reading nook. This arm chair is the perfect combination of customization, great design and affordability. Order now.


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American Justice: A Mothers Story Of Murder DVD
Sale Price: $19.99
To Order by Phone Call 1-800-933-6249
- Additional Details
- Format: Closed-captioned, Color, DVD-Video, NTSC
- Rating: Not Rated
- Number of Discs: 1
- Run Time: 50 Minutes
- Region: Region 1
- Aspect Ratio: 1.33:1
- Language: English
- Studio: A&E Home Video
- DVD Release Date: January 9, 2002
Examine every aspect of the case that has become an international sensation and a lightning rod for criticism of the death penalty.
The death row for female inmates in the Arizona State Prison is one cell long. Debbie Milke was sentenced to death for arranging the murder of her four-year-old son in 1989. But her case has long been dogged by controversy, largely thanks to the efforts of her German-born mother, Renate Janka.
AMERICAN JUSTICE® presents a balanced and thoughtful look at the Milke case. Attorneys, detectives and private investigators who were involved in the investigation, trial and aftermath share their insights and opinions, and Milke offers her version of what happened in an audio interview. Janka details what she sees as the unfairness of the situation, contending that Milke was convicted and sentenced based on the unsupported word of one police officer and the vengeful testimony of embittered family members.
A MOTHER'S STORY OF MURDER presents the evidence and invites you to decide: is Milke guilty of orchestrating the murder of a little boy she considered an "inconvenience," or is she yet another example of the carelessness with which American courts mete out the death penalty?


text: Search Want more details about any of our products, services or solutions? Search here to find links to case studies, white papers, data sheets, event info, product guides and more. Use the form below to search for LifeSize documents Search Search 2 results for Video Streaming and Recording Video • Lifesize 21st Century Classroom • • Lifesize & Blackboard Learn: Engaging Video Content for Digital Learners •


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Columbia Business School
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What Makes China Buy
Tom Doctoroff, head of JWT South Asia, reveals how to snag a coveted market: Chinese online shoppersRead More
Want to Grow Your Retirement Savings? Then Forget About It.
New research shows that the less frequently investors check their portfolios, the better off they are.Read More
Columbia Business School Professor Predicts How Changes in Banking Laws Could Fuel Emerging Economies of Tomorrow
New research tracks emerging countries' economics activity after law changes and finds a boost in access to credit; increase in employment rate; increase in productivity and sales for firmsRead More
Power Isn't Enough: Study Reveals the Missing Link for Effective Leadership
New research from Columbia Business School shows that powerful leaders fail to listen properly and take others' accounts into perspective, jeopardizing the impact they could haveRead More
How Can You Be Entrepreneurial in Any Organization?
Vince Ponzo '03 demystifies the entrepreneurial mindset.Read More
Zelon Crawford Named Assistant Dean of Student Affairs
Effective January 5, Zelon Crawford '96TC will serve as Columbia Business School's new Assistant Dean and Dean of Students, Full-Time MBA Program.Read More
The Expat's Dilemma
A foreign posting is a real resume booster — right? Not always, especially if you're coming from outside the United States to work within its borders. Assistant Professor Dan Wang explains.Read More
How to Convey Power with Your Voice
Professor Adam Galinsky says that simply thinking about a time when you experienced power can help you speak with a more dynamic voice.Read More
Glenn Hubbard: Why the Internet Won't Kill B-School Classrooms
Dean Glenn Hubbard addresses the impact online education options will have on business education.Read More
Top Ten Questions Asked
Here are the most frequently asked questions by current students.
- Where can I find information about courses, bidding, and the academic calendar?
Information on courses and all bidding-related information (including statistics) can be found on BOSS (Business Online Selection System). To see important dates for the Business School, navigate to the MBA Academic Calendar tab in BOSS.
- How do I pursue an independent study?
More information regarding independent studies can be found on the Indepedent Study webpage , and you can pick up the required form, as well as additional information, in Uris 105. Students may register for up to 3 credits of independent study per term (the study can be either 1.5 or 3 credits). Independent studies are designed to be independent of the classroom experience and may not be used as a means of adding a seat to a full course.
- I would like to take a class outside of the Business School. How do I cross-register?
More information can be found on the Cross-Registration webpage. MBA students may count up to six credits of graduate-level coursework at other schools within the University toward the MBA degree. Graduate-level courses are denoted by a number of 4000 or higher. Undergraduate courses may be taken as long as they are in addition to the 60 credits of graduate-level course work required for the MBA degree. Although the credits from an undergraduate course will not count toward the MBA degree, the grade earned in an undergraduate course will be included in calculating student GPA.
- What is the cut off for dean's list?
Membership on the dean's list is awarded at the end of the first term to students who achieve a 9.0 weighted GPA. In subsequent terms, membership is awarded to all students who achieve a 9.25 weighted term GPA.
- How do I start a new student club?
First, meet with a club advisor in OSA, who will connect you with the Student Government's VP of clubs and careers. You'll be required to fill out an application form, collect signatures from potential club members, plan out your first year's budget, and make a presentation to the Student Government's club committee.
- How do I order food for a club event?
Many local vendors accept a voucher in lieu of cash payment. You can pick up the voucher from Financial Planning in Uris 216. Vouchers are essentially blank checks that you give to the delivery person upon arrival and can include a tip. Vendors send the voucher is sent back to Financial Planning as an invoice and the funds are debited from your club account.
- Can students from other Columbia schools join Business School clubs?
Only students pursuing an MBA degree can join Business School clubs. Business School students seeking MS and PhD degrees are not eligible.
- How do my loan funds apply to my tuition account?
All loan funds - federal or private - are sent to the University's Student Financial Services (SFS) office electronically via EFT (Electronic Funds Transfer). Once the SFS office is in receipt of the funds, they place the amount(s) onto your tuition bill as a "credit" to your account. You do not need to pick up any physical checks. Any loan amounts above tuition and fees will be refunded to you. Direct deposit helps to expedite the refund process.
- When will I receive my refund for living expenses from my loan?
Refunds are issued within 7–10 days of funds arriving at the University. Assuming your loans are in place for the earliest federally allowable date, your refunds should reach you within a week following the first day of classes. For the fastest refund processing, please sign up for direct deposit on ssol.columbia.edu.
- Can I borrow loans over the amount of the student budget set in my financial aid package?
Students who face higher costs due to extenuating circumstances may request a budget increase by submitting a formal appeal along with appropriate documentation. If approved, the budget increase allows students to borrow additional loan funds, subject to lender or Department of Education approval. Appeals are not an entitlement and can be turned down by the Appeals Committee. Learn more about appeals and download the appeal form.


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- If the order contains at least $100 of merchandise, use the coupon SLEIGH to receive a coupon discount equal to the cost of Overnight shipping to the 48 continental U.S. States. Products that are eligible for delivery by 12/24/14 carry a message on the product page that states the item can be delivered by 12/24/14 and defines the shipping method that must be used.
- Custom products and special event items are not included. Eligible destinations that will receive their orders by 12/24/14 include the 48 continental U.S. States and AK/HI/PR/PO Box/APO/FP. Non-US destinations are not included. To receive by 12/24/14 orders must be placed before the advertised cutoff time and be placed using the prescribed ship method below:
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- This offer may be modified at any time without notice. Due to delays by shipping carriers, acts of war, terrorism, acts of nature, or other events beyond our control, some orders may not be received by 12/24/14.
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Jacobean Double Light Bathroom Fixture with Flared Seeded Clear Glass Shade
Newport Brass lighting fixtures coordinate perfectly with your Newport Brass faucets and fixtures.
- Double light fixture
- Flared Seeded Clear Glass Shade
- Solid brass
Finish Features:
- Available in 25 beautiful finishes
- New Industry Leading lacquer Finish Process
- IAPMO Certified and tested
- Long Life Finishes - 10 Year Warranty
- Durable, color protected, scratch resistant
- Green, low VOC, energy efficient finishing process
- Material : Solid Brass
- Number of bulbs : 2
- Shade: Flared Seeded Clear Glass
- Light direction : Up lighting
Additional Newport Brass Links
Our SKU: Newport Brass 21-52FF
This product is listed under the following manufacturer number(s):
- Newport Brass 21-52FF/06
Antique Brass
- Newport Brass 21-52FF/08A
Antique Copper
- Newport Brass 21-52FF/65
- Newport Brass 21-52FF/54
- Newport Brass 21-52FF/07
English Bronze
- Newport Brass 21-52FF/56
Flat Black
- Newport Brass 21-52FF/01
Forever Brass (PVD)
- Newport Brass 21-52FF/54
Gloss Black
- Newport Brass 21-52FF/14
Gun Metal
- Newport Brass 21-52FF/52
Matte White
- Newport Brass 21-52FF/10B
Oil Rubbed Bronze
- Newport Brass 21-52FF/ORB
Oil Rubbed Bronze (Hand Relieved)
- Newport Brass 21-52FF/26
Polished Chrome
- Newport Brass 21-52FF/08
Polished Copper
- Newport Brass 21-52FF/24*
Polished Gold
- Newport Brass 21-52FF/15
Polished Nickel
- Newport Brass 21-52FF/04
Satin Brass (PVD)
- Newport Brass 21-52FF/26D*
Satin Chrome
- Newport Brass 21-52FF/15S
Satin Nickel
- Newport Brass 21-52FF/20
Stainless Steel (PVD)
- Newport Brass 21-52FF/03N
Uncoated Polished Brass (Living)
- Newport Brass 21-52FF/VB
Venetian Bronze
- Newport Brass 21-52FF/03W
Weathered Brass (Living)
- Newport Brass 21-52FF/08W
Weathered Copper (Living)
- Newport Brass 21-52FF/50
*Denotes a finish or option that has been discontinued
Manufacturer Resources
Installation Resource Center
Whether you are installing the product yourself or hiring a professional, our installation Resource Center has everything you need to get your project done. Visit the Installation Resource Center to get started.


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CQ Weekly reports on the world's most powerful legislative body completely and accurately every week. CQ Weekly Online includes an archive dating back to 1983. Search by topic, page number, committee, "exact phrases or words," bill number, byline or reporter and by Boolean full-text and date searches. Detailed floor votes dating back to August 1983 are easily retrieved.
When the administration of the Western College for Women – now a part of Miami University – opened its campus to civil rights activists in 1964, the institution followed its long tradition of independence and innovation. An estimated 700 young, idealistic college students from across the north arrived in Oxford, Ohio for voter registration training before leaving to serve in Mississippi to register African-Americans to vote and assist with local community projects, like Freedom schools and the building of community centers.
Today, the story of Freedom Summer has the power to evoke important questions about American identity, public life, engagement, and commitment. This exhibit will focus on local resident Roland Duerksen and former student volunteers Carole Colca and Mark Levy. They have left the legacy of their work in the Western College Memorial Archives. This exhibit, which includes photographs, letters, audio recordings, and an interactive map of Mississippi, will serve as a narrative of their dedication to civil rights and social justice.
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Happy Birthday, Jane!
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Media Contact:Public Affairs OfficeSamantha email@example.com(803) 898-5281
Use tax informational pages available onlineDuring individual income tax season, South Carolina taxpayers are reminded to report and remit use tax on all purchases in which no sales tax has been paid.Use tax should be remitted on goods purchased from out-of-state vendors or from online retailers for consumption or use in South Carolina.Sales tax is imposed on all retail sales within South Carolina and in-state retailers are required to remit the sales tax to the SC Department of Revenue. The use tax is imposed on out-of-state purchases of goods for use, consumption or storage in South Carolina. If the out-of-state retailer does not collect the tax to submit to South Carolina, the taxpayer should then report and remit use tax on those items. If the taxpayer purchases goods in another state for use in South Carolina, the taxpayer is allowed a credit for the other state's tax and would only owe the difference.How do I pay use tax?When paying use tax, taxpayers are required to pay the state tax rate of 6% as well as any applicable local option taxes, which vary by county.Use tax can be remitted in one of three ways: taxpayers can report use tax on their Individual Income Tax Return Form SC 1040; or use tax can be remitted throughout the year via DOR-ePay, an electronic payment system available online, or via a UT-3 Form, submitted to DOR.Why is use tax important?Use tax is important to the state of South Carolina as it protects local businesses from an economic disadvantage with out of state retailers. The state's collections from the sales and use tax fund South Carolina's public school system. To learn more about South Carolina's sales and use tax, and to submit use tax on your purchases, visit www.sctax.org and click on the 'Use Tax' icon.
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It's a Real Steal
It's a Real Steal!®
Floral Print Sheath: Bold print sheath dress with a super-flattering silhouette has princess seams for shape.
Read what customers are saying about this product:
Rating: 4.25 out of 4 votes cast
"Happy Customer"
I received my "floral dresses" today. I ordered both colors. They are pretty so summery. I ordered the tall. I agree with the previous viewer it's flattering to my size.Nice material texture. I like the inner-lining,lower back vent and the long secret hidden zipper. Thanks Metrostyle.
Baton Rouge, LA
Pretty Dress
Very pretty dress. Flattering to my size.Received lots of compliments.
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Flowered Sheath
When I first took the green dress out of the bag, I thought it was ugly, but once I put it on, I realized it looked great! I have received nothing but compliments on it all day-even from random strangers!
Miss Maia
Anchorage, Alaska
Not my favorite
Ordered both pink and blue, love the colors but the fit is too flimsy. It's not very flattering for my figure. I like sheath dresses to follow the curves, and this dress hangs off them, disappointed because I love the look. I ordered a size 6 which is what I wear, might try a 4 to see if its better.
Pembroke New Hampshire
Click here to read all of this product's reviews


text: 3 FrustratingRichP78 | 27/08/2011 | See all RichP78's reviews (2)I am a big rugby fan and have been waiting for a long time for a good rugby game to come out! This is an average game, lazy is right - considering its a international game and not club level they couldnt even be bothered to include the national anthems or the haka. The All Blacks player havent even got the true names wait for Johna Lomu on the 9th September! I will be trading this in!


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- Algorithmische Zahlentheorie (1) (remove)
- Computing canonical heights on Jacobians (2010)
- The canonical height is an indispensable tool for the study of the arithmetic of abelian varieties. In this dissertation we investigate methods for the explicit computation of canonical heights on Jacobians of smooth projective curves. Building on an existing algorithm due to Flynn and Smart with modifications by Stoll we generalize efficient methods for the computation of canonical heights on elliptic curves to the case of Jacobian surfaces. The main tools are the explicit theory of the Kummer surface associated to a Jacobian surface, which we develop in full generality, building on earlier work due to Flynn, and a careful study of the local Néron models of the Jacobian. As a first step for a further generalization to Jacobian threefolds of hyperelliptic curves, we completely describe the associated Kummer threefold and conjecture formulas for explicit arithmetic on it, based on experimental data. Assuming the validity of this conjecture, many of the results for Jacobian surfaces can then be generalized. Finally, we use a theorem due to Faltings, Gross and Hriljac which expresses the canonical height on the Jacobian in terms of arithmetic intersection theory on the curve to develop an algorithm for the computation of the canonical height which is applicable in principle to any Jacobian. However, it uses several subroutines and some of these are currently only implemented in the hyperelliptic case, although the theory is available in general. Among the possible applications of the computation of canonical heights are the determination of generators for the Mordell-Weil group of the Jacobian and the computation of its regulator, appearing for instance in the famous Birch and Swinnerton-Dyer conjecture. We illustrate our algorithm with two examples: The regulator of a finite index subgroup of the Mordell-Weil group of the Jacobian of a genus 3 hyperelliptic curve and the non-archimedean part of theregulator computation for the Jacobian of a non-hyperelliptic genus 4 curve, where the remaining computations can be done immediately once the above-mentioned implementations are available.


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Dresses & Skirts
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Strapless Stripe Maxi
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Stripes converge in a flattering pattern along this long knit maxi dress in black and white.
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The perfect jacket to wear across the seasons, this piece delivers fashion-focused edge with rocker-chic attitude. Faux leather, studded detail and classic moto style only add to its need-now appeal.
Shipping Options:
Orders are shipped via UPS using the following rate scale:
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Take it back to your local GUESS store for FREE or ship it back to us.
GUESS gladly accepts unworn, unwashed or defective full-priced merchandise for up to thirty days after purchase date. Original receipt, hygiene strip and tags must be attached. Unfortunately, pierced jewelry, innerwear, fragrances, lotions and items marked "final sale" are not returnable. Sale merchandise may only be returned to a store for an exchange. Shipping charges are not refundable.
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Vacuum Cleaner Belts
Did you know that proper maintenance can extend the life of your vacuum cleaner? One of the most basic maintenance items is belt maintenance. It is crucial part in your cleaning system that connects your motor to the brush roll. To check this, you need to remove the bottom plate and place a finger under the best to feel if it is taut. If you find that it's not, and it is showing signs of wear, it is time to replace it. While it is recommended you change vacuum belts once or twice a year, the frequency will actually depend on how often you use your vacuum cleaner. Frequent use makes it prone to cracks, sagging and other forms of damage. The motor is unable to turn a belt that does not have good traction on the brush roll. As a result, your vacuum does not clean up to its potential.
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Single Belt Part # 07527-0027For optimum performance, change your belt at least every 12 months. Learn More
V - Belt # 40101200Your vacuum cleaning system can last a few months to a few years depending upon how you take care of it. Maintaining it by replacing essential parts such as belts and bags on time can increase its performance and dependability. If you notice that your vacuum cleaner is not taking in all the dirt around, it's most likely because your belt is broken or worn out. Housed near the motor in most cleaning systems, they are likely to be stretched due to overuse or broken due to the heat of the motor. This Panasonic V - Belt # 40101200 is a compatible part for your Panasonic vacuum cleaning system. This replacement vacuum belt will have your Panasonic appliance working like brand new. The Internet is a great way to find vacuum cleaner belts, you will be able to source both brand name and generic brands without too much hassle here. GoVacuum.com is a leading resource for vacuum cleaning systems and replacement parts. When you need to replace your vacuum cleaning belt, it's vital to ensure that you are buying the correct replacement belt for your machine. Read the GoVacuum blog and find out more about the best times to replace the vacuum cleaner belt. They typically show signs of wear after six months of use. It's a good idea to replace the belt twice a year or if you are using your vacuum cleaning system more frequently, or notice clear signs of wear before six months, you can replace it in less than six months as well. Product Features: • Panasonic V - Belt # 40101200 Learn More
Generic PowerMate 20-5218 Serpentine Drive Belt for Generic Power Nozzles1 Serpentine Drive belt for Panasonic and Kenmore canister vacuum cleaners, mostly newer models that use the Quiet Drive power mates. The belt has grooves on the inside of the belt, and is flat on the outside. Measures approximately 3-3/8 inches. It has the writings 5PH282on it. Fits Kenmore canister models; Fits the Kenmore 116.27514 or 27514 or 116.27514700 or 116.27514701 Fits Panasonic models; MC-CG885,MC-CG887. Panasonic Part Numbers CB-3, MC-V370B, PH5, 5201. Kenmore Part Numbers 5218, 20-5218, and others. Panasonic is the maker of some Kenmore vacuums, and many parts such as this belt are interchangable between the two brands. Learn More
Style R Upright Vacuum Cleaner Replacement Vacuum Belt 61110Eureka Style R Upright Vacuum Cleaner Replacement Vacuum Belt 61110 Learn More
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text: 5 Excellent.roversfan2003uk | 14/05/2013 | See all roversfan2003uk's reviews (3)I was fortunate enough to attend this event in person. The crowd was the largest WM crowd ever, and the atmosphere was electric- I hope the blu ray picks up on this. The CM Punk vs Undertaker was by far the best match but the tag team match was awesome too. The set was excellent. All in all should be a good Blu ray, can't wait for its release.


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Fudoshin Classic BJJ GI
Item# fud-1001
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The Fudoshin White Classic BJJ Gi has been designed for the professional Brazilian Jiu Jitsu athlete, looking for a high quality traditional uniform!
The Fudoshin Classic BJJ Gi is a high quality "no fuss" uniform - There is no contrast stitching, no graphical trim and no patches. The only design areas are the Fudoshin logo's embroidered to the arms and the back of the neck. It's a clean Gi for those looking to have their game do the talking!
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Reviewed by 2 customers
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Strong and sturdy but scratchy
By The Eternal White Belt
from Missouri
Best Uses
Comments about Fudoshin Classic BJJ GI:
The gi is definitely built strong and thick. It's a heavy gi and it seems heavier than most other classic gis. It can definitely stand up to regular wear and tear.
However, the gi top is a bit scratchy in my opinion. I wouldn't wear the top without a rash guard or t-shirt underneath and it can be pretty abrasive, especially around the sleeves. I'll also note that I only cold wash and hang dry my gis.
The fit is a bit broader around the chest than other A2s that I've owned, but it seems consistent otherwise.
In conclusion, it's a strong, solid gi at a good price, but there are more comfortable gis at the same price and quality.
Bottom Line Yes, I would recommend this to a friend
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(1 of 1 customers found this review helpful)
Feels solid!
Best Uses
Comments about Fudoshin Classic BJJ GI:
This is Gi is quite heavy, especially the pants but its not too heavy. I haven't noticed it at all when rolling.
The pants seem to be very strong material which I like.
The Gi overall is really good for hard rolling sessions but I wouldn't wear it for competition because there are lighter Gi's out there for that I believe.
I am very happy with this Gi. I feel comfortable in it and it is good to roll in.
Bottom Line Yes, I would recommend this to a friend
(1 of 1 customers found this review helpful)
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A:This Gi weighs about 4.5 pounds.
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First Citizens Bank
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Daily Overdrawn Fees
Posted by
SOUTH CAROLINA -- I just want to let people know that the daily $5.00 fee that this bank charges begins the day you have an overdraft hit your account and continues over the weekend when the bank is closed and you don;t have access to correct the problem. For example I had an overdfraft from $6.70 debit card transaction. The charge $35 plus $5 on Friday the day it hit my account. Then on Monday, which is the day I learned I was overdrawn and traveling so I could not make it to the bank until Tuesday, they charged me $15 more for Saturday, Sunday and Monday. I understand the $35 overdraft fee when the item hit my account but it would at least be somewhat human of them to give me time to learn this has happened before charging me another $20 unneccesarrily for a mistake of $6.70. Whether anyone agrees or not this is my3cents.
Thanks for letting me vent.
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tnchuck100 on 08/30/2011:
Welcome to the new age of banking. Banks are figuring out new ways to impose fees. With the recent implementation of new banking restrictions they are putting new names on old fees and coming up with new ones to recover the revenue source that dried up.
Close your accounts and find a credit union. Opt out of overdraft protection. They are EXPENSIVE loans.
Anonymous on 08/30/2011:
Actually, this is not a new practice. If you are overdrawn, and don't immediately take care of it, you will be charged a daily fee, including weekends, at nearly all banks.
Chuck has great advice..go with a CU or small regional bank, and opt out of overdraft protection. I'd rather be slightly embarrassed seeing my debit card declined than have to deal with recouping from expensive OD fees.
Kris10 on 08/30/2011:
I recommend changing banks. I have M&T and recently had a completely accidental overdraft. They don't charge you and ODF if you're over drawn by less than $10. After that they charge you a $35 fee and only after 5 days of being over drawn after that are you charged an additional fee of $10 and it's not per day. it's every 5 days.
Slimjim on 08/30/2011:
I agree with changing banks. That fee schedule is an overkill penalty and you can do better.
Kris10 on 08/30/2011:
Hmm, how come I can vote another comment helpful? if I could I would vote everyone's comments helpful. There are so many predatory banks out there. CUs are usually pretty good, but if you just want a bank, I highly recommend M&T if you have one near you.
scrapingby on 08/30/2011:
Thanks for the comments. I am going to change banks and most of the banks policies I have looked up do offer a 3-5 day grace period to give you time to find out about the overdraft before they start charging a daily fee. I will have to check into the M&T bank several people have mentioned. I am not familiar with this bank. Also checking our CU's. Thanks for listening.
grandma005 on 08/30/2011:
Carry a $20.00 bill tucked awat somewhere and this would have been prevented.
bjh Herman on 08/25/2012:
we are notified that my husbands retirement check will be deposited into our acct on the 1st, we have 2 loans due then but the bank will deposit it til the 4th or 5th not bcuz its a holiday or weekent. Then they will take the payments on the 1st and they money isn't there and charge our account $35 for each loan. Then they say that have a "any time due date" any time they decide to take a payment so your account is never late which makes the credit manager look very good not many past due accounts. But when you use your money and don't know they took another payment you get charged $35 for over draft and $5 a day til you pay it and don't know you even have it til you get something in the mail 3 or 4 day later!!! Sounds like robbery by a bank. Bye Bye robber!!!
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Posted by
Willy ACE
RALEIGH, NORTH CAROLINA -- I have been sending online payments with Firstcitizens Bank for at least a year now, probably longer. They have always treated it as they have any other check, withdrawing the amount of the check when it was cashed, and even stated it in every billpay notice after I had scheduled it. The last time they didn't do that, they changed their procedure and withdrew it on the date that it was scheduled, before it was even cashed. Regardless of policies, etc., there was a pattern, without change or prior notification, until this last time. Because they did that, I ended up incurrring $288 of service fees (which should also be illegal if those check cashing places are)
In each of the previous scheduled payments they withdrew the money sometimes a week or more AFTER the "scheduled" date and stated, as shown below in the info pasted from the billpay section, that they WERE NOT going to withdraw it on the date that I "scheduled" but instead, the day it was cashed.
I am pasting
1) The single statement in question from all previous payments
2) the statement from the one in question
3)The complete message from each billpay (the one in question first and the 5 prior)
They say they have reviewed this issue and concluded that they did exactly as I requested and that it was my error. OK, if that is the case, then they committed fraud on each previously scheduled payment because they DIDN'T withdraw on the date scheduled. I never would have scheduled a payment knowing it wouldn't be covered. In fact, that payment WOULD have been covered if it had been posted the day it was cashed. This is totally unfair and I think they need to refund my service fees.
2)FUNDS WERE WITHDRAWN FROM YOUR REGULAR CHECKING (acct # removed) ACCOUNT ON 07/31/2006.
(below is pasted from the billpay screen- made the portions that you need to compare all caps,
basically the last sentence in each one)
(payee name removed) REGULAR CHECKING (acct # removed)$200.00 07/31/2006 5JZKV-665DC Paid Check #66101097 from your account was mailed to (payee name removed) on 07/26/2006. FUNDS WERE WITHDRAWN FROM YOUR REGULAR CHECKING (acct # removed) ACCOUNT ON 07/31/2006. Contact your financial institution if you have a question about when your funds were withdrawn. ========================
(payee name removed)REGULAR CHECKING (acct # removed) $200.00 06/30/2006 5G4FQ-T8JFQ Paid Check #5162 from your REGULAR CHECKING (acct # removed) account was mailed to (payee name removed) on 06/27/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK.
Check #5161 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 04/24/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK.
Check #5160 from your REGULAR CHECKING (acct # removed) account was mailed to(payee name removed) on 03/27/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE
Check #5158 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 02/17/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK.
Check #5159 from your REGULAR CHECKING (acct # removed)account was mailed to (payee name removed) on 02/17/2006. FUNDS FOR THIS PAYMENT WILL BE WITHDRAWN FROM YOUR ACCOUNT WHEN THE BILLER CASHES THE CHECK.
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Anonymous on 08/10/2006:
I think what Willy Ace is saying is that when the bill payment was scheduled online, say for 7/26/06, the amount of the billpay check was deducted from his account when the check was produced prior to mailing out (on 7/26/06) and not when the check was presented to the bank for payment (say, a week later, giving him about a week to cover it should his account be short) as was done in the past.
By the way, my bank uses this policy, they will deduct the amount from my account, then produce and mail the check to the merchant. I much prefer it this way.
Anonymous on 08/10/2006:
Here's your problem: the bill payment companies have two types of remittances; electronic and paper check. When you set up a payee they check a list to see if the payee is able to accept electronic payments. If they are, that's how the payment is made. That payment comes out of your aqccount immediately because it is sent immediately.
If a company is not equipped for electronic remittance, the bill payer generates a paper check. This gets mailed and hits your account when it clears.
Now... if a company updates their banking so that they now can accept electronic remittances, they notify the bill payer and get added to the list. This benefits the payee because they get their funds more quickly, and don't have to deal with checks.
You have been playing with the check float, and you got burned. By law, you are supposed to have the funds available in the account when the check is issued. You apparently do not. With the advent of Check21, even paper checks are going to clear *very* quickly. Plan accordingly.
Willy ACE on 08/10/2006:
You're close, but no cigar. A "float" would be if I wrote a check actually gave the check to the payee, say a retailer, by hand, and didn't have the funds. This, however, is no different than me writing the check, mailing it to (in this case an individual), asking them to hold it until a certain date by which I would have the funds to cover.
But that's not really the point here, I know that because the bank didn't use your floating checks argument. What they said was this "Dear Mr Ward, Thank you for your email. We do apologize for your frustration, but according to our terms and conditions, we have done as you instructed us to do. You requested a payment with a due date of 7/31 and we delivered as requested. It is described in our terms and conditions the possible ways our payments are sent. Again, we do apologize for your frustration, but we only did as you requested. Thank you for contacting First Citizens Bank. Sincerely, E Sawyer Online Banking Supervisor"
But, if you go back to previous payments this is not what they did, they didn't withdraw until the check was presented AND, furthermore, they even made this statement when I scheduled the payment
"Check #??? from your REGULAR CHECKING (acct #) account was mailed to (payee) on 06/27/2006. Funds for this payment will be withdrawn from your account when the biller cashes the check."
They changed the method as to when it was withdrawn without my knowledge. Now they won't even answer my emails. Wonder why?
cheated2010 on 04/16/2011:
The point is he was using a check pay not electronic pay that was changed without notice.
I have a real problem with banks using this method to defraud consumers. They send out a check to a payee and withdrawal immediately which at this time you do not have the money and neither does your payee. Who has it? The bank of course...they deposit your money into a temporoary holding account to make interest on it while it is in transit and until the check gets cashed. Now who is the billpay fruadster here? The money should really stay in your account until the payee gets it. Seems the bank this guy was using didn't wise up to to this trick until after they started their program.
I use Wells and Chase-they both use this trick.
Middle Americans get dumped on again!
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Construction Loan Fiasco
Posted by
HENDERSONVILLE, NORTH CAROLINA -- First Citizens Bank in Hendersonville NC provided a construction loan for the building of our home on property we owned in Hendersonville NC. When our initial builder was bought out by another. The new builder bought a contract to the bank in the name of RAD Construction. The bank asked him for his license and he provided his friend's brother's license in the name of Boston South Investments. When the bank asked him for insurance he provided insurance in the name of Double R Windows. The bank didn't question any of this or alert us. They proceed to pay the guy, Ronald [snip] money from the construction loan. The building was substandard and the bank paid for stuff which was never done. They paid without our authorization. Follow my blog at tarider1.blogspot.com. Our advice stay as far away from this bank as you can
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Alain on 06/20/2012:
I looked at your blog posting and didn't see any mention that you had contacted an attorney. If you're disputing this situation with the bank, you might want some professional legal advice since the bank probably has attorneys working with them.
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Customer Service
Posted by
BENNETTSVILLE, SOUTH CAROLINA -- I went to the Bennettsville SC branch yesterday, Oct. 22nd to cash a check and one of your tellers there was very rude to me, and acted like a smart butt. Her name tag said Dawn[snip], she had blonde hair. I was thinking of opening up a business account there, but I'm not to sure abut that now. I still may do so, I wish someone would speak to this teller abut here bad attitude. Thank you
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Bank Is Allowing A Teller Leader To Have Bad Customer Service
Posted by
BEAUFORT, SOUTH CAROLINA -- I have mortgage loans with this institution and due to those loans, I get the best checking account free of fees. I have used the Lady's Island branch most of the times, and I usually use the same teller that I have been doing for last 10 years, but now different associates from the bank discourage me to use the branch or the teller. After my concern, one of the executive sent me an email that I could use whatever branch I choose, but then, there was no customer service. And, again, asking me to use different associate. I have shared my concerns with the CEO and the president and requested to send me a "refusal letter to use certain teller" on their letter head, but I did not get any response, yet any further requests have been ignored.
All I want from them is genuine customer service which are to be extended to every single customer in fair way.
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clutzycook on 11/03/2010:
I don't get it. First they tell you to use a different bank branch, then they say you can use whatever branch you want but you can't go to a certain teller's window? Huh?
werelucky on 11/03/2010:
Did you ask the teller you have been using for the past ten years what is going on?
trmn8r on 11/03/2010:
Was there an issue with a certain teller or tellers that led to management intervening and asking you to use others?
That was all I could think of, unless this bank is trying to discourage all customers from using tellers. Sounds odd, but some banks seem to be reducing their face-to-face customer service.
momsey on 11/03/2010:
I'm very confused by this. Why would the associates discourage you from using a certain branch or a certain teller and how do they do this?
Obsfucation on 11/03/2010:
It sounds like the branch has a 'traffic control' system, and that OP is disrupting it by refusing to go to the next available teller.
momsey on 11/03/2010:
Obs, that makes sense.
Anonymous on 11/03/2010:
Indeed it makes perfect sense. A 'traffic control' system is far more important than a customer. Well that's probably true at First Citizen's Bank.
Now I on the other hand can dig the OP wanting to stick with the same teller. I don't bank at big national corporate bank like Citizens. No sir I bank at a small locally owned community bank where I have my own personal banker. I have his email address and cell phone number. If I ever need anything I can call, shoot him an email or just drop by his office. He knows me and I know him. It's really nice.
But I got to admit that doggone 'traffic control' system sounds wicked.
whyher on 11/04/2010:
FYI...this branch has had high turn over, at least a half dozen of branch managers, personal bankers, and about a dozen of tellers except the teller leader. Maybe the management think she should work less, so they would keep her regardless of the quality of the services. Not sure!
I have a golden customer who has almost every single account they offer for consumers except credit card. I like other companies credit card much better. All my accounts are in good standing. Maybe they don't make enough fees off me since I get free checking due to my two mortgage loans?
OK, some of you said that the bank was controlling the traffic, but why? I don't understand the reason behind? Maybe I am dumb!
Obsfucation on 11/04/2010:
Bank try to control traffic because it creates efficiencies in staffing. The system tracks customers and times when the lobby traffic is not as high, or maybe very high. The branch can then staff according to these needs. The benefit to the customer is that employees are they when they need to be.
It isn't the end of the world, but if someone stands at the head of the line waiting for a particular window to open, it skews the timing and the timer, and makes the system less efficient.
When the bank has accurate numbers, there will always be a teller waiting for you. When they don't, the bank will err on the side of not enough staff, since they are a very high expense in running a brick and mortar branch. In other words, it is to the customer's benefit to have such a system, not withstanding the requisite smarmy comments which you can count on here.
whyher on 11/05/2010:
I can see your point if it was happening inside of the branch, but I was more talking about phone request or e-mail request. I guess I did not clearify.
Though talking to FDIC to find out if that was allowable to ignore customer's email request to transfer some money from one account to the other,evidentially, "there is a no federal law" to cover that part. I think the bank knows they can get away with it. He strongly encouraged me to contact the Federal and state congressmen to add it to the FDIC's Rules and Regulations to protect consumers and customers. Moving my accounts to some other bank is not going to implement the law, but by voicing myself hoping the congress would do create a new rule and regulation to implement such as what is minimally requested, in what timely manner, etc. Hope it makes a sense!
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Fees on top of fees
Posted by
NORTH CHARLESTON -- I looked over my account and found that I had paid out over $1000.00 in less than 30 days in bank fees.... These were overdraft fees and NSF fees based on pending charges that dropped off... Example (rental car company hold 300 for deposit but never takes the money) I got charged for being overdraft even though my account showed a positive balance. I am seeing no returned checks no neg. balances and this morning $105 in overdraft fees.... Something has to be done about bank fees.... $35 charge when nothing is actually happening is wrong no matter how you look at it...
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goduke on 02/17/2010:
When a charge is held, such as an authorization for a rental car, that money is completely unavailable for you to spend until the authorization drops off. That many seem unfair or unreasonable, but it's the rule. If you attempt to spend that money, you will be charged an NSF fee. Again, it may seem unfair or unreasonable, but it's the rule. That's why virtually all auto rental places recommend against using a debit card.
Anonymous on 02/17/2010:
" Something has to be done about bank fees"
There's always something that can be done about overdraft fees.
You can keep track of your account rather than just relying on what it tells you online.
All it takes, as you now know... purchase to forget about... and the snowball of overdraft fess will occur.
Just use your online banking as sort of a checks and balances kind of thing. But, use a check register to keep track of your spending and crediting. If you don't have time to write down everything; save all your receipts and do Quicken. Or, save your receipts and do your balancing online. Whatever it is you're comfortable with, keep track of your spending. Not everything shows up online as pending or holding or whatever. The electronic age still has some flaws. Only *you* know what you've spent, what auto debits are coming out, and what checks you've written.
And, the issue at hand (about rental car holds) works just like how goduke says.
Anonymous on 02/17/2010:
These corporate banks are nothing but rattle snakes in the brush waiting to strike at any moment and for any reason. I admire the people on here who give excellent advice on how to handle these rattle snakes without getting bitten. It's quality advice for sure. But if you ask me the best way to avoid getting bitten by one of these vipers is to avoid them altogether. I have no stomach to be a snake charmer.
JadeT1m, find yourself a local community bank or credit union where you will find more favorable terms and where you will be appreciated as a customer. There are so many better options available to handle your banking needs why in the world would anybody RISK doing business with the likes of the snakes at Citizens Bank.
goduke on 02/17/2010:
Great advice Stew. You are correct, I was more focused upon stopping the bleeding rather than upon how not to get cut in the first place.
Anonymous on 02/17/2010:
This is going to change in the near future, but in the meantime, if you give your account information to a vendor, and they place a hold on your account, those funds are not available to you until the hold expires, and if you do draw against them, you'll get hit with a fee.
Never a good idea to use your debit card unless it's a direct purchase.
JadeT1 on 02/18/2010:
I agree with the exception that the online banking system they use does not show it as unavailable. My point is that if you use a check for a deposit the the company holds the check then returns it to you the bank would never have known in the first place. I can see the charge if the check was cashed where the bank covered something I did not have enough money for, but to charge $35 for something that dropped off is wrong.... That's like charging interest on a loan that you never got not too mention that the automated system doesn't tell you it isn't available only pending. Basically when I use my card I check available balance and go by that. My available and actual balance both showed more than enough to cover the charges that I paid fees on, the only place I showed being overdrawn on was pending. The other morning I was charged (for example) $105 in over draft fees when I had more than $1,200.00 in the bank, In fact the only charge to clear my account that night was the fees.
JadeT1 on 02/18/2010:
I logged into my bank account just after my last post and even though I am not and was not overdrawn in either pending or available balance I was charged another $105 in fees and again it was the only thing to clear my account.... At this rate the fees are what is breaking me. In 15 days I have paid $930 in fees, and when I was overdrawn it was the fees that put me there.
Anonymous on 02/18/2010:
Jade, the best thing you could do would be to close the checking account and open a savings account where you can deposit your pay, and draw out money orders to pay your bills. Sounds inconvenient? How convenient is it to pay a thousand dollars a month in overdraft fees. If you insist on having a checking account, at least cut up the debit card, it's killing you.
If you go into your branch, someone can probably explain to you how the electronic banking works, and maybe save you some grief, because it sounds like you'll have the same problems no matter where you go.
Anonymous on 02/18/2010:
This is why you shouldn't go by just what it says online... for it doesn't show everything. Online banking should just really be used as sort of a checks and balances kind of thing.
Your available balance is just that... what is available... but, it may or may not include anything you've done that day.
For example, I pay my Time Warner bill electronically... but, it doesn't show up as pending or taken out of my available balance. And, sometimes, it takes up to 6 days to post. So, in that 6 days... if I spend more than what that bill was for... as soon as it posts, everything I've spent will more than likely overdraft my account.
We may be in the electronic age... but it still has its flaws and kinks.
It's all in all, better to keep track of your account with either a register or Quicken or something other than solely relying on what it tells you online.
If you use your debit card as debit (you punch your pin code in), it shows up as pending, online, and usually posts the next business day.
If you use your debit card as credit (you don't punch your pin code in), it could take up to 6 days to post... and may or may not show up online as pending.
If you just go by what it says online, what you have available... not taking into account that there's things you've done that aren't showing as pending... that's where you find yourself in hot water. That's where the cascade of overdraft fees come.
Checks and auto debits don't show up as pending... they don't show until they post. So, if you forget about them, and spend a bunch of money... when those items post and they drain your account; every purchase you've done since will more than likely overdraft.
Only *you* know what you've spent, what checks you've written, and what auto debits come out.
momsey on 02/18/2010:
You also need to check your account a lot more often! I look at my accounts daily online. Yep, I've screwed up and gotten overdraft fees, but since I look at my accounts every day, I'm able to at least prevent further fees from hitting my account by depositing money quick.
JadeT1 on 02/18/2010:
Thanks for your imput, what ended up happening today was after reveiwing the account at not time was I ever overdrawn, in fact some of these fees came out when I had over $1200.00 in the bank and it was often the only charge on the account..... I spoke with the FDIC about this and they had me fill out a complaint and fax in the supporting documents which I did, they called me back very quickly and said they would handle it and that I was right there was no visiable reason for the fees to begin with... I was only overdrawn 1 day about 2 weeks ago and only that day yet their system has charged me nearly everyday since. According to the FDIC overdraft charges due to atm card usage will not be allowed after July because of a new law going into place. Most complaints from consumers are from excessive fees and more often than not from a debit card.... Debit cards were designed for the purpose of speed (not having to write a check) the banks have exploited the use of the cards to the point they are making laws to prevent banks from charging overdraft fees until the account is really overdrawn. This new law will also require a bank to put in all credits then debits.... The way it looks I will probably get those fees back... If you could see what I was seeing you would know what I was talking about... There really was no reason for the fees, and apparently because I do a lot of deposits and debit someone didn't think I would notice.
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Only Go With First Citizens If You Want To Get Screwed
Posted by
Poor boy
SIMPSONVILLE, SOUTH CAROLINA -- Now that times are tough, keeping a plethora of extra money in the bank has become difficult. On this occasion, I swiped my check card for $1.47 more than the balance. This being a Back-up card, I did not use it more than a couple times a month. I admit, the subtraction error was my own.
I got a call from First Citizens telling me that I owed them $65. Shocked, I asked for details. They informed me that my account was overdrawn. Since I was out of town when I received the call, it took me a couple days to get back to make a deposit. Little did I know, the fees add daily. The deposit was not enough and so unknown penalties kept adding. I got a message later telling me that I owed them 127.00. I informed them that I had made a deposit to cover the overage and stop the fees. That is when they revealed to me it had not been enough. I emailed and called to get clarification and understanding. They did not call back. The fees continued. Shortly after this, they closed my account and now have it in collections for 250.00. This all started with $1.47. They do not communicate to the customer and will not work with you. If you have extra money in this economy, respect it enough to not place it with First Citizens.
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madconsumer on 06/06/2009:
all the fees are given in the customer agreement.
as you said, it was your error.
yoke on 06/06/2009:
How did they NOT communicate with you. You yourself stated they called you, banks don't normally call you when you overdraft. When you got your NSF notice what did you do?
saj80 on 06/06/2009:
When they contacted you, did you tell them you were out of town? If I were you, I would make time to visit with a local branch manager; no guarantee this will resolve getting some fees refunded, but it would be worth a try.
Suusan B. on 06/06/2009:
$1.47 does not equal a "plethora of extra money". Whether times are tough or not, it is your responsibility to maintain an accurate check register and balance your account frequently so that "subtraction errors" do not occur. As far as the fees you were charged are concerned, they are all outlined in your account holder agreement.
BokiBean on 06/06/2009:
Yo, let the bank apologists chatter away, but for a $1.47, my credit union wouldn't treat you like that.
And fees accumulate daily? WTF is that? On the same overdraft?
Anyway, check out your local credit unions.
Anonymous on 06/06/2009:
Same here Boki. My credit union may have charged me the overdraft fee (although doubtful), but they sure as heck would not have let it snowball into $250 worth of fees. Banks can work with a customer if they choose to, and most won't. IMO if a person is not constantly a habitual customer making over drafts the bank should cut them a little slack.
BokiBean on 06/06/2009:
Same here, John. For $1.47 this customer was ABUSED.
Soaring Consumer on 06/06/2009:
WHOA! $315 in penalties for a $1.47 overdraft?! They are really taking advantage of you.
I don't think much negotiating can be done since it is now in the hands of a collections agency.
tnchuck100 on 06/06/2009:
"Yo, let the bank apologists chatter away,..."
Yes, Boki, and indeed they will. Disgusting isn't it? They probably would change their tune quickly if they were mistreated. But their day will come sooner or later.
DigitalCommando on 06/06/2009:
Bank apologists? That's pretty bad when a bank has to create this job title. I wonder what kind of experience they need to apologize for 8 hours a day. Maybe they are ex Ashley and Dish CSR's.
BokiBean on 06/06/2009:
DC, that's MY title, I be the one giving it out.
Indeed, chuck. Its like putting a frog in cold water, then turning up the heat under him til he boils...amazing what some people get conditioned to accept.
To me its like robbery. To other people its like well-deserved punishment. I don't get it.
madconsumer on 06/06/2009:
best answer yoke.
best answer susan b.
DigitalCommando on 06/06/2009:
Maybe the sign on the banks entry door should read
"Sorry, Were Open" and the flipside says "Yes!, We are CLOSED!"
yoke on 06/06/2009:
The reason the OP got so many fee's is he ignored the banks request to put the funds into his account. HE decided how much he would deposit and told the bank that was all they were getting. That is not how it works. Even credit unions don't call when you have an overdraft, they will send a notice and then if you don't respond they will send you a letter, etc.
PepperElf on 06/06/2009:
what I'm wondering about is... if the bank called him up to say "you're overdrawn"....
why didn't he say right then and there, "I'm out of town, could you tell me were the closest bank is?" ... or if he had the funds in another account, ask for them to be transferred.
DebtFree on 06/28/2009:
Banks are out to make a profit. They are not non- profit organizations. No one likes to pay fees but if you choose to open a checking account you must play by the rules. If you don't like your bank then find one you do like. I can tell you that they are all very similar. YOU screwed up and didn't balance your account and then when you found out you didn't immediately go deposit money. Of course you are going to get hit with fees. Why didn't you go by the branch or try to call more than one branch? The economy is not just tough on YOU it's tough on the banks too. Not all banks took part in the TARP program.
hopper14 on 08/18/2009:
Best answer BokiBean and John in SoCal. Why are people supporting the banks. Do they have stock in it? If the banks are so perfect, why are they on these forums defending them? I'm suspicious.
hopper14 on 08/18/2009:
DebtFree-ponder this: "Its like putting a frog in cold water, then turning up the heat under him til he boils...amazing what some people get conditioned to accept."
scrapingby on 08/30/2011:
Their fees also add up each calendar day including weekend days that they are closed. And there is no grace period from the time of the overdraft to allow you time to get to the bank and take care of it. I am there with you. Sucks!!!
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Ripped Off!!!
Posted by
Pretty Poodles in Pink
COLUMBIA, SOUTH CAROLINA -- My husband's debit card was stolen. Our local branch faxed the paperwork to Columbia. They investigated the claim and charged us $114.66 to investigate!! It's like we were being kicked again in the groin by our bank! What about customer service. I had been banking there for many years but was screwed for being a loyal customer.
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MSCANTBEWRONG on 08/17/2009:
Did you provide a police report to the bank?
yoke on 08/17/2009:
Agree with cantbewrong. What did the police report say?
tnchuck100 on 08/17/2009:
There is that "...a loyal customer." phrase again. No bank out there today gives a damn about a "loyal customer". That concept is long since dead.
This is the first time I have ever heard of a bank charging the customer for a stolen card. Looks like they have figured out a way around the $50 liability. And them some. Now they actually profit from you having your card stolen. Just another angle on the banks screwing their clients to the max!
PepperElf on 08/17/2009:
always do a police report
BokiBean on 08/17/2009:
I've never heard of a charge to investigate, either. This is a new one on me. Victimize the victim...
MaggieMcT on 08/17/2009:
Usually bank fees are in even amounts. $114.66 sounds more like the card was used by someone, and the bank isn't covering the loss.
Anonymous on 08/17/2009:
I agree with Maggie.
acntlaw1 on 01/24/2011:
Ask for unauthorized debit refund. First National did that when I got scammed.
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I fought for them they ripped me off
Posted by
Ripped off Veteran
LUGOFF, SOUTH CAROLINA -- I inadvertently overdrew $60.00 from my account. I was charged $410.00 This is a 500% profit. Don't, I repeat, don't bank with First Citizens Bank. Its amazing in America that you can serve your country and its people and the thanks you get in return is by being ripped off.
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goduke on 08/10/2009:
Thanks for your service to the country.
Technically, though, they didn't rip you off. You agreed to the fees when you opened the account. I don't think that military service gives one the right to overdraft the account without penalty.
Anonymous on 08/10/2009:
Even though you served our country, if you overdraw your account, you're still going to get fees. By the amount you posted, looks like you had many overdrafts... not just one. All it takes is one overdraft to snowball your account if you don't have a handle on it. One overdraft can turn into 11 overdrafts if you spend more money than you had in your account. Or, if you forgot about a purchase and it comes through... leaving no money to pay for the rest of the purchases you've made.
Suusan B. on 08/10/2009:
What the previous two posters said - - I'm running out of the energy required to explain these types of situations. And on top of that, I just painted my nails and this complaint isn't worth having to do it over again.
jktshff1 on 08/10/2009:
suusan, best answer
Anonymous on 08/10/2009:
I fought in Operation Desert Storm and don't expect not being charged if I overdraft my account. Saying that you "fought for them" is not at all accurate, what did First Citizen's Bank have to do with the war?
Principissa on 08/10/2009:
My husband is a Gulf War Veteran and if he overdraws our account he knows that not only will he have to answer to me, but it's his fault for it happening to begin with. Like my husband you chose the military. And to make statements like that is a slap in the face to our men and women both fighting and not.
Eloise on 08/10/2009:
My father served as a officer in the Air Force for 26 years, and guess what he doesn't spend money he doesn't have. As a result he never pays overdraft. This has nothing to do with you 'service to our country,' it has to do with your inability to keep a check registry.
PepperElf on 08/10/2009:
I'm also a Vet - over 13 years.
I'm also widely known for saying here that if you don't keep an accurate register of your account you can get hit with overdrafts.
and by this I mean the pen & paper version - that way you'll never "forget" about a pending transaction.
my mother is a perfect example... she's been keeping a ledger of her bank account since she had her first account... so in over 50 years I don't think she's ever overdrafted
sarsly on 12/16/2009:
I'm not sure why people don't "get" the outrage.
Loansharking is illegal. That's what these banks are doing with their excessive, ridiculous, punitive fees.
An overdraft of $60 should not result in over $400 in overdraft fees no matter how you look at it. Yes, people goof from time to time. Should a bank make BILLIONS in profit from a goof while the little guy can't afford to buy groceries because of an overdraft snowball?
Crazy what we'll see as acceptable in the name of profit.
PepperElf on 12/16/2009:
because this isn't illegal
people might dislike it
but there are no laws being broken
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Calgary Flames Shop - Flames Clothing and Merchandise for Sale
If you want to look like the ultimate Flames fan all season long, you have come to the right place! Here at the Calgary Flames store on Fanatics.com, you can find everything from officially licensed apparel to wear to the Flames games, to authentic collectibles to decorate your home or office! No matter if it's Calgary Flames apparel or merchandise that you're looking for, you will be able to find everything right here in our vast collections of gear.
Shop for the jersey of your favorite Flames player or find a new hat to wear during the games. Here at Fanatics, your apparel options are endless! You can really fill out your Flames fan wardrobe with any of the jerseys, t-shirts, hats, sweatshirts or other apparel we have to offer. Sizes and styles of most popular apparel is available in men's, women's and kids', so any Flames fan out there can really look like a die-hard fan!
Don't just dress down in your Calgary Flames pride! You can also own a wide variety of Flames collectibles, memorabilia, home decor items and tons of other merchandise! With everything to accessorize your fan apparel and decorate your surroundings, everyone you meet will know you're a huge Flames fan! Shop for the Flames gear and merchandise you're looking for today and continue to cheer your team on to a championship run!


text: 192:4 Kyler got stung again today, on the other knee. He was a big boy and said he got over that one way easier, LOL I think it is because of the clay I put on the sting to help draw out the venom. It did help that he had a friend over to distract him too!