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Discontinued Its' Relationship With Me After 40 Years Of Doing Business
Posted by
EDEN, NEW YORK -- I have had a checking account at HSBC for the past 40 years.I've had a few problems in the past such as them confusing my checking account with my son's when we made transactions. The final boner on their part is as follows: I received a letter, stating that my husband was one of 10 winners of a 1,500,000 sweepstakes entered through our purchase of a Sony TV (which we did purchase). We would be receiving 150,000. A check for 4,986.98 was included made out to my husband. (I checked online and there is a bank by that name in IA. In order to access this money we needed to pay the taxes which were $2,998.00 to be paid by Western Union or moneygram to the tax agent.
We called the agent and he accepted our claim number and told us to pay the taxes out of the money deducted from our winnings. We were very skeptical about this, seeming too good to be true. I deposited the check in my checking account and waited to see if it cleared. within a few days, I was unable to use my debt card,unable to get an available balance, they had no information for me whatsoever for 5 days.
Finally, I went to the bank and was told my account was on hold because a large check deposit was a fraud. (not a surprise) I showed them the letter, and they told me to report it to the post office and to go to my home branch for more information as to how to release the hold on my account. I had to wait over a weekend to speak to my home branch and was informed that my business was no longer wanted because of the fraudulent check. I asked if they had read the letter and they had no knowledge of the letter, that their fraud squad cancelled my account and to pick up my money at the bank.
Meanwhile all the checks which were supposed to be posted to the account will all be overdue and I will be charged a bounced check fee, in addition to a late check fee from each check sent. This happened once before to me at HSBC because they neglected to notice I had overdraft protection and closed my account. When notified of their error, they did agree to pay for the fees, were very sorry, and had no idea why this happened to me.(this sorry incident happened about 2 months ago, and before they had their major computer shutdown,affecting thousands of people) They are sorry about that too.I think HSBC did me a favor, don't you?
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Anonymous on 08/26/2008:
You were right in being skeptical, but wrong in depositing the check. Banks are taking such huge losses on these checks that they are going to quickly dump anyone associated with them... and that's you.
In hindsight (which is 20/20) what you should have done is showed the check to a manager, and asked them to submit it for collection. This is not the same as depositing the check, in fact you don't see any money until it has been cleared. If it turns out to be fraudulent, you are blameless, and at worst are out the charge for collection.
Anonymous on 08/26/2008:
Ken's right...you knowingly deposited a check you had reason to believe was fraudlent. Depositing a check is something that is intended to be in good faith. Anyone with doubts about a checks value should get it cleared by the bank before deposit.
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Discover All The Crap At Discover
Posted by
IN April '08, we applied for and were accepted to get a balance transfer from Discover, no interest til 1/1/09. In the 3 months that have followed, Discover has proven to me everything I have ever heard about them. We have yet to see the card or a statement. We have no account number and with no number, you cannot call their customer service to find out what is going on. (trust me on this, I called every other day during the whole month of May.) Starting June 4th, they started a campaign against us which is unbelievable. We get 10 calls a day from them, including Sunday. I now have recorded 42 names of "customer service agents" along with 22 bogus phone numbers that they have claimed would get me answers. These numbers are to construction companies, doctor's offices and numbers that are out of order. They claim on their computers they ca see where all the mail has been returned, yes the address is correct.
To date we have been promised that we would receive a statement in 5 to 10 working days, and yet one has failed to appear, that would be a total of 210 statements. The thing that bothers me most is that they want a payment on an account I have no number for nor have we seen a statement about. We have no clue what is on the card, because even since we can provide the vital information, we still don't have an account number. When I ask to speak to an account manager I am put on hold and then the phone clicks off. Again, they are demanding payment on an account that we have no number to, no card for, never seen a statement.
Do I believe that there is something FOUL in the air at Discover - HELL YES!. The threat today was they were sending it to collections. I told them to do it, I will see them in court!! BTW, if you are searching for a brain surgeon, don't go looking in there phone pool, those people can barely speak properly. (yes USPS has been notified)
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Ponie on 07/09/2008:
I'm sure I must be missing something here, but: how can you transfer a balance to Discover without having a valid card? Every one of my credit cards has my account number on it. Ya' know something? I really don't believe this post and seeing the lack of responses, I think most agree with me.
Mrs. V on 07/09/2008:
Ponie, I don't think that the OP has gotten an credit card sent to them yet (so they can't look at the card for the account number).
The OP most likely did an online application with Discover with the account numbers for the accounts they wanted a balance transfer on (so again, didn't need an acount number from Discover, yet).
discoverbull on 07/10/2008:
The application was on line and yes the transfer was from another card. Three (3) months later, no card and not even one statement. Without a statement or a card, we have NO availibility to an ACCOUNT NUMBER. I believe the first line of the complaint states this.
When we have called the "customer service" dept. we get transferred on the average of 5 times because of a lack of a NUMBER. No statement, no card, no number.
Not really worried what YOU think Ponie. We have contacted a federal agency over this and found out that this is a problem a lot of people have with Discover.
OhComeOn on 08/07/2008:
You don't need an account number to bring up an account. Give them your address, which you already verified they have. Or a social... or a phone number.. or your NAME...etc...
Just curious, what account are they looking at when they have called you all these times?? Because I find it interesting that you have failed to make a payment "210" times on a debt you know you owe, because you don't have a statement. Yeah you should have one, but still.....
Kirsgram on 10/19/2008:
My husband had a similar problem. He got a HSBC Discover card about 6 weeks ago, has used it, but not received a statement. Last week, Sunday Oct. 12, some guy called from HSBC demanding a payment of $55.00 which included a late fee. I told him they would have to talk to my husband. My husband called HSBC the next day, informed them that he had not gotten a statement, and was told that his statement was mailed on Friday, Oct. 10th. Now I don't claim to be a mathmatical genius, but I do know that there is no way if the statement was mailed on a Friday that we would have received it by Sunday, and how could they consider it late if we had not had time to get it? We finally got the statement on Thursday, October 16th. The customer service rep I talked to was very rude, as was the one my husband spoke to. You can bet this account will be closed and we will never do business with them again.
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Bad Credit Practices And Fraud
Posted by
CA, NV, IL, BC, TN, MD, NY, DE, PA, NJ, FL, AB, MB, COLORADO -- On 1/10/08 I called to cancel a recurring charge on my HSBC credit card from an HSBC life insurance policy. (They are located in California and Nevada in my particular case... seems they have location everywhere except in states where credit practices are tight). The life insurance policy doesn't have me on file (I'm glad I didn't die!). I call HSBC card services (presumably in California), tell them my dilemma and they claim they will stop all future charges as of 1/10/08. I pay off the balance 1/11/08. I think it's resolved..... They said all future charges will not be accepted!
Another charge from the "life insurance" that doesn't know I'm alive on 1/22/08 and again on 2/22/08. I called HSBC card services on 3/10/08 and speak to the same manager. She sees that I called before, and what the problem was and that all charges will be reversed. She says I can disregard all future bills "it is taken care of". She goes through the normal routine when I ask to cancel the card...
I get a confirmation of the cancellation dated 4/11/08 that my card is closed BUT "all recurring charges" is my responsibility to cancel (I thought it was resolved!). I get a bill that says a LATE FEE is charged on this life insurance that doesn't know I'm ALIVE and on charges that were NOT supposed to be accepted on 4/16/08.
I call HSBC card services on 4/28/08, and get a different "manager"... seems the customer service rep doesn't see that I've called before!.... and try to get my balance of $88.76 reversed and RESOLVED.... but instead I get Holly telling me that she can reverse $70.... not $88.76.
I'm trying to close off this card and everything associated but CAN'T. This card wants more money!
I've have filed this card with BBB in Cal (will be on every BBB in every state they are located in), I am contacting every Attorney General in every state they are located in, plus the FTC. If I hear of any other government agency that deals with this sort of issue, I will contact them. HSBC cannot stop itself from charging itself even when it doesn't acknowledge what it is charging!
I will be contacting a lawyer through prepaid legal (never thought I'd really need it, but now I'm glad I have it).
If HSBC card services ever tells you they will STOP ANY CHARGES..... Don't believe them.
P.S. I not only have a date that I called these people but I have time as well. So if any entity wants TIME as well as DATE I have it.
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Fake Transactions charged
Posted by
NEW DELHI, FLORIDA -- This is to inform you that I [name removed] is holding a credit card with account Number [removed] in my name of your bank with this I have been also issued a add on card in the name of [name removed] . Both the cards are now blocked from 10th December, 2007.
In the January, 2008's monthly statement which I had received after repetitive request to your customer care officers, I saw that 4 transactions shown in the statement have not been done by me or the add on card holder. These 4 transactions have wrongly been credited to my account . The transactions I am talking about are as follows:
S no Transaction date Posting Date Details Amount
1. December 01, 2007 December 03, 2007 ClearTrip Travel Services , Mumbai Rs. 6830
2. December 01, 2007 December 03, 2007 ClearTrip Travel Services , Mumbai Rs. 5726
3. December 01, 2007 December 03, 2007 ClearTrip Travel Services , Mumbai Rs. 8222
5. December 02, 2007 December 04, 2007 Yatra Online(P) Ltd Rs.7223.25
Again to reconfirm that I [name removed] has not carried out the above mentioned transactions via my card having account number [removed] . Please revert back the unnecessary amount totaling to Rs. 28001.25 .
Please note I have already made complete payments for all the valid transactions done by me as guided by your customer care Officer. Amount of Rs 800 was paid on 1st January, 2008 which is being reflecting in my account .
All the Balance amount left to paid according to you is under dispute. I am not going to make any further payments for the balance amount which is Rs. 28001.25 which is under dispute and which is for the transactions which I have never done. This has been confirmed from the merchant who has billed the amount.
Please note these transactions were for some air tickets booked via the mentioned travel portals. You can also confirm that there air travel were not done by me, any of my known persons. I had even requested the travel portals to cancel those tickets, but they said that this payment has already been cleared may be by mistake by your Banker which is HSBC in my case.
If these transactions are result of some cyber crime or fraudulent mal practice, then this could have been stopped very easily if you people had taken some action like investigating the issue a bit early or at least after I had informed the bank about this on 9th December, 2007 vis phone to your customer care officer.
Email Id is : email@example.com
You can check my credit history that I have always made the payments on time, so please check the transactions and revert back the amount as soon as possible.
Thanking you in anticipation,
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thensider on 02/18/2008:
Principissa on 02/18/2008:
New Delhi Florida?
old fart on 02/18/2008:
Insider... someone is going to charge an around the world trip on this info sometime today.. without thanking Ashish..
jktshff1 on 02/18/2008:
I sure wouldn't put my information on a public website.
You need to immediately cancel the card (s)
chemman on 02/18/2008:
Well, he does say the card has been cancelled since Dec 10, 2007 but I would still be wary of posting the info online.
thensider on 02/18/2008:
nice that the sight has removed the name and account info, meanwhile at least 4 people saw it and who knows how many looked at it without commenting!
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Saks Fifith Avenue World Elite, HSBC Card and Retail Services, Customer Services/Communications
Posted on
WILMINGTON, DELAWARE -- I have their premium card product: the Saks Fifth Avenue World Elite MasterCard.
While I don't have any major horror stories with payments or charges or rates or fees I am very disappointed with the quality of customer service I receive via postal mail, email and telephone.
Long story short without background:
I have sent some 6 postal letters to their Wilmington DE PO Box (Customer Correspondence) – no confirmation of receipt like with Citi or reply to any of my inquires after more than 60 days. Does anyone check that PO BOX? Do they have a dedicated team to reply to Saks MasterCard holders?
I have emailed them via website many times on various issues and in some replies gotten 2 completely different telephone numbers to call for follow-up and further information etc…. none of which were the numbers on the reverse side of my card
The MasterCard account is serviced by HSBC Card Services (and they keep telling me its done by MasterCard) but the emails via the web log-in go to HSBC Retail Services, which manages the Saks Fifth Avenue account. Thus none of the email reps can answer my question and thus tell me to call them for more info and when I do they have no idea about these emails and that this is the wrong number for my account and they don't offer to transfer me or apologize for bad numbers email reps give. Don't the systems record each and every correspondence item via all mediums with card holders?
Don't get me started on their telephone reps. No one is empowered to give me an answer and when I get some information it is often incomplete and false—until I correct them.
I finally got to a supervisor of the Saks First rewards program. She said she would call me back after researching my answer. No calls after 3 weeks. I followed up each week. My persistence paid off as when I finally spoke to her she said she had given my case over to a colleague and that person should contact me. Thanks for calling the customer to let me know! I should not have to follow-up. They should follow-up with me! And even this other more senior person had to consult with people in a different business unit and different state and city to get my answer. She even said she would send me the answer in writing -- I have gotten nothing after more than 30 days.
I got passed around on the telephone even at the senior level! HSBC Retail Services website states the aim for a one contact resolution – meaning the first person you call should answer your questions. I spoke to close to 10 people on just this one issue.
This is their most premium card product and I expect high quality customer service from all representatives of the company. I am upset that I am not valued as a premium card holder.
If they can't treat their premium customers right, how can they treat their low-end valued customers right?
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Anonymous on 11/28/2007:
Cancel the card and shop elsewhere.
jenjenn on 11/28/2007:
Amen PB!
laklisa on 04/19/2008:
Just curious-have you had issue resolved?
I am a rep in the Saks 5th Ave service center and handle customer service for both Saks and Mastercard...
I don't know of the issue but I hope you got resolution
Anonymous on 06/02/2008:
Yes, laklisa I did. Sory for my late reply. I rarely go back told posts. I got a gift card in the end as compensation for my troubles. Hope you can take my comments and make confidential recommendations in your team meetings. As I know we all expect very high quality customer services from Saks. Thanks.
Anonymous on 06/02/2008:
I hope laklisa comes back to see NAS88's comment! I voted this post 'Very Helpful' because the OP came back and told how they were compensated. I'm curious if NAS88 still carries the Saks card and if he/she saw the compensation in a gift card as sufficient. Thanks for coming back!
Anonymous on 06/02/2008:
Yes, Ghost of Doc J, The compensation was enough. The promotion I was in touch with them about had a maximum reward points amount which was akin to a $50 saks gift card. So I was more than satisfied, but still diappointed in how it was handled until that letter from them.
P.S. Just today had to contact them about another issue (thus my reason for returning to this post) and got passed around - and even mis transferred by a representative. I had to hang up and call back as that person could not transfer me back to the main line. I know they must be going through regular staffing changes, but hope laklisa can make confidential constructive comments in team or training meetings--it might even lead to a promotion because of her suggestions?! Maybe she should train new representatives too. :-)
Anonymous on 06/02/2008:
That's the spirit, NAS88! I like people who get customer satisfaction through a well-placed complaint. I REALLY like people who use their personal complaint as a springboard to improve everyone's customer service like you have. Good luck on your latest misadventure...it sounds like you are willing to consider a valid reason for their newest CSR issues.
laklisa on 06/13/2008:
I'm glad that you were satisfied with the end results. And actually I have given some training to some new employees!
The bad thing is that HSBC is a big bank and handles other store charges (Best Buy for example). So unfortunately sometimes it takes more than one person to handle a situation. It frustrates me when a customer calls upset and tells me one rep had told them one thing-which was wrong-and I have to give them the correct/right information. Sometimes I feel like the middle man and not a "one-stop" rep!
Anonymous on 07/10/2008:
Just had another disappointing interaction with them and this old post of mine came up in my memory and thought I'd share.
I had gotten a direct 800# for the merchant dispute department via email, but it was wrong and not in service. I emailed back to send the correct #. The reply was of no help--it said email us again from the website or callus. What?! I called them and the guy gave me the corrected#. I then mentioned both the other reps by names (original email and reply email) but he had no idea who they were. He did not apologize for the mistake or offer to investigate why it happened nor did I press for either.
Ughghg, do they not get it??? By âtheyâ I mean the email reps. I rarely get satisfactory service from the email reps -- who answers these anyway. They are signed HSBC Retail Services, but I clearly email them about my MasterCard account not my Saks account.
P.S. It took forever to get to a rep. I had to hear all sorts of prompts and balance info and a long silence before hold music came on--and I kept saying HELLO, HELLO? and was about to hang-up. Tip: Us busy people like to talk to someone right away to resolve our issue--not listen to undesired account information.
Sorry for ranting.
Anonymous on 01/15/2009:
OMG, Must I always remember this thread when I have issues with this customer service!!!!!
Again another abysmal problem. I wanted to request my year-end account summary and it took over 1hr including wait times, hold times, disconnects.
Some bullet pointS:
⢠302# has really long wait time recently. I ALWAYS get transferred when I call that #.
⢠One agent insisted she was transferring me to MasterCard â the Corporation in NY â I donât think so, they donât service the account. She could not explain the difference between Card Services (MA service) and Retail Services (private label service.)
⢠866# answered one time as âCredit Servicesâ
⢠One guy at 866# said he only does balance info and the like, and offered my December statement, with NO idea what a year-end account summary was
⢠They canât stay on the line with you to connect you directly to an agent. Instead I got put back in cue many times
⢠I always hit option 1 â âcalling regarding your MasterCard accountâ but when I reach them none of them can help about my MasterCard account, was later told to hit option 4 instead
⢠Was transferred onE time to the private label (Saks charge) service section and they could not help me with my year end account summary request. Um hello, first agent I told you my MasterCard account#, wanted my year end account summary â what make you think Saks private label service can help.
⢠To top it off â my email request for this was of no help and asked âcall the # on the reverse of your cardâ â not signed, but appears to have changed some headers, and names.
Why must I endure foul customer service from a premium card product.
Anonymous on 09/16/2009:
Just wanted to add to keep people informed.
On a recent call to the 302# on the reverse of my card I was told that the only thing they are responsible for is transferring callers to Customer Service. (This was after I had indicated I was a Saks World Elite MasterCard holder.) They cannot handle any Saks accounts apparently. The guy also tried to give me an 800# for Nordstrom.
Also at the Customer Service # (866) I was given a 302# ending in 2760 -- my card says 2560 on the reverse. I indicated and repeated this to the representative but she insisted I must have an old card as this was recently changed. I said how recent and she replied that she did not know but it is correct. FALSE!!!! AGAIN!!! I called that # ending in 2760 and get a recording that this HSBC # has been disconnected! I mean, come on. Wrong information again! This has happened to me too many times and both were wrong telephone numbers!
Why on earth give us a telephone number to call when all the person doe on the other end is connect you to someone else while you are on hold! Seems like an expensive way of doing business to me.
All I want is the reps to be more informed and they won't get bad press on this forum. It takes dedication, good training, respect, and a good attitude to satisfy the customer. I do not see these qualities in many of the representative I encounter at HSBC Card Services//Retail Services.
Anonymous on 09/23/2009:
These guys Security Department is way too sensitive I have had 4 calls from them in the last 3 months. Nothing has even been wrong but they cannot seem to train their computers to recognize my normal spending pattern. God forbid if I had multiple authorized users and used this card as my primary credit card for my family for everyday purchases! Who do they think they are? This is a premium card competing with busy high income people who probably travel across time zones and who normally use American Express -- I cannot deal with this wishy washy service.
anonymous on 03/25/2012:
I have recently had my Saks Elite MC compromised.(cloned so they told me) HSBC, who handles this, has NO IDEA what they are doing and has a crappy Fraud dept. I thought I was talking to SAKS, but was not. I wanted a new card overnight and they said it would take 2 weeks, but we ended up with them saying 5 days. Since my credit was all used up by the perpetrator, they will give me no new credit until it is resolved. It clearly states in the book they send out, that they will send you out a new card overnight and extend you $1000 credit. That is clearly NOT THE CASE. I am very disappointed in SAKS for allowing this to happen!!!!!!! They need to STOP saying their Little Black Card is so great......because when something goes wrong, THEY DON'T KNOW HOW TO HANDLE IT!! I noticed this on a Friday morning and the charges were made on the last day of my billing cycle, so very hard to detect. There never was a pending charge as it went right to charged, as I check my statement online everyday and never saw this till the actual charge was on there. Very strange. Makes me wonder who would know my closing date, since it was done on the last day of my billing cycle. Its funny that they call me on every piddly charge,however $11000 in increments of $500 Gift Cards from seven different locations of the same store in NC (I live in AZ) in a period of 3 hours does not a red flag make??? An inside job perhaps?? I am VERY UPSET and FRUSTRATED, and will be contacting SAKS on Monday, regarding this!
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Defrauded and lied to
Posted by
Beneficial/HSBC is doing the same to myself and my family. We ran into difficult times a few years ago and we were convinced by them to refinance with them to catch up on the cc bills which were run up prior to this. The terms of the loan changed when we arrived the first time so we walked out. We were bothered for days following promising us this was temporary and we would be refinanced at a better rate within 6 months when their new 'program' comes out. Well here it is 3 + years later and no new programs. We are in tough economical times and my wife's business isn't doing well. After paying over $100k in interest, we have made partial payments for the past 3 months and we have received a foreclosure notice. I called to see what we could do to work it out and was told that they will work with us to Exit the house..I'll be damned if I walk out and let them have it! They over valued the residence and we are unable to refinance! I too agree that we need to initiate a Class action, please email me if you are interested in participating. firstname.lastname@example.com
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Alain on 12/20/2010:
This website is is probably not the best place to initiate class action lawsuits. Have you tried getting a free consultation with an attorney?
bm2492 on 12/24/2010:
Its hard to find a lawyer willing to take them on as they are pretty heavy lobbyists. I was trying to post wherever I could to drum up interest.
bm2492 on 01/04/2011:
Are there not anyone else interested in a class action lawsuit against HSBC
jktshff1 on 01/04/2011:
bm, no one would make money but the lawyers.
Sey on 09/19/2011:
Sey on 09/19/2011:
Please consider submitting a complaint to the State Attorney Generals Office.
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Posted by
I have had a Gold MC for longer than I can remember, have always paid my bill on time and have spent and paid off tens of thousands of dollars. I received a letter to make a purchase on my $11,000 limit, zero balance account or my account would be closed. I meant to and was in the middle of moving from Georgia to California and never made the purchase. They consequently closed my account, my debt to income ratio went down, my FICO plummeted and my credit was strongly negatively affected. I am very dissatisfied about that but rely on my other credit cards who have not cancelled on a customer who has never been late, paid tons of interest over the years and always carried the card on him when leaving the house. I see MC applications online and in the mail and always ignore them as they have turned their backs on me regardless of how it affected my credit. I have seen the news stories that relate how credit card companies consider customers who don't pay much interest and never any late fees to be the real deadbeats since the company doesn't make much money on them.
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trmn8r on 12/11/2010:
I don't believe those stories are true, because I have never in 23 years of regular credt card use have paid a fee or any interest.
Yet when I have called, I have been treated wonderfully. Several times a CSR has said "Mr. XYZ, you are one of our best customers!" which I attributed to the fact I use my card often and always pay it off.
Credit card companies make 2-3 percent on each purchase made. That's a lot of money.
They warned you to use the card, but you didn't.
Fufu487 on 12/11/2010:
What happens a lot of times is when an account is not used it gets flagged dormant. Especially at a balance of zero. If dormant for so long the account may close itself. They called to warn you to use the card or it may become closed. I'm interested in what kind of time frame they gave you to make your purchase.
rockfishing on 12/11/2010:
You are the one who is at fault, not HSBC. They gave you fair warning to which you chosed to ignored. When you have a credit card you agree to it's terms and conditions. HSBC terminated you because you ignored them. I can't blame a company closing an account with an 11K limit that is ignored.
tnchuck100 on 12/11/2010:
They told you to do X or Y would happen. You did not do X. They did Y. End of story.
In fact most companies don't even warn you at all. Take American Express for example. You find out about the account being closed when a purchase is declined.
momsey on 12/11/2010:
You ignored them, they did what they said they'd do.
madconsumer on 12/11/2010:
if a card is not used for a certain amount of time, they close the accounts. odd but true.
NickL11354 on 12/11/2010:
The credit card issuer was probably surprised because most people would jump at the chance for $11,000 in available credit. Think about all the designer clothes, electronics from Apple & Best Buy you can get for $11,000?? How else do you think they are being bought other than most people charging thousands of dollars on credit for which the bank collects 15% - 25% APR (plus merchant fees) and the consumer spends 2, 5, or 15 years paying the bill
Inat on 12/11/2010:
happens to me all the time - you got to use the credit to keep it! Buy a tank of gas and pay it off.
trmn8r on 12/11/2010:
madconsumer -> It isn't really odd. It costs money to maintain an account, and it doesn't do the bank any good to have a customer who is able to borrow 11K but it borrowing 0.
Fufu487 on 12/11/2010:
It's also for consumer safety (though I'm probably going to get reamed out for stating it). Imagine you have a 9K credit card you forgot about, haven't used in 6 or 7 months, that gets frauded somewhere down the line. If you aren't watching the account, as inactivity would suggest, it could receive fraud charges and not even notice for months. You won't believe how often people throw out statements in the mail because they think it's junk, knowing they haven't used the card. Banks have a right to protect themselves.
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HSBC (Direct Merchants Bank) unjust treatment of customer
Posted by
CITY OF INDUSTRY, CALIFORNIA -- I hate HSBC and will tell anyone who asks me to NEVER get a card issued by HSBC. I have had my account for several years and have never missed or even been late on a payment. Actually, I have generally paid more than the minimum amount due. However, due to "a business decision" as I was told they raised my interest rate from 14.99% to 19.99% and supposedly sent me a letter, those letters that none of us read as we get three or four a week and deem them junk mail. I have been a very good customer for HSBC and this is how they decided to reward me. I am trying to get out of debt and companies like this take advantage of the middle class working their asses off that aren't able to instantly pay off their credit cards. I hope their business suffers and even goes under in this economy. That's what they deserve for such crappy treatment of their customers!!!
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werelucky on 09/11/2010:
You accepted the terms of the credit card. It is your responsibility to read the fine print and understand the terms. It's like sticking your hand in a hornets nest and complaining you got stung. The best thing to do is have no credit card debt. Get two or three jobs to pay it off. Then, don't spend more than you have.
leet60 on 09/11/2010:
With most credit card agreements you agree that they are allowed to periodically review your credit profile. If they see late payments, a higher debt to income ratio or too many inquiries they have the option to modify the terms of your agreement. This is not only HSBC but almost every credit card issuer is the same.
bcd on 09/11/2010:
Since 2/22/10 credit card companies are not permitted to increase the interest rate on existing balances. If you had read the letters you would have had the opportunity to stop using the card and therefore not suffer the rate increase.
Nohandle on 09/11/2010:
Please in the future open what you consider junk mail. I learned that one a few years back after almost throwing a rebate check in the trash.
MaggieMcT on 09/12/2010:
I'm not sure why it would be their fault that you didn't read the letter?
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Posted by
I have had a personal loan with Beneficial Finance for approximately 4 1/2 years. The loan amount was for $15,000.00. I was paying approximately $300 a month before my divorce. My ex-wife could not afford the $300 a month payment, so she applied for a financial hardship with Beneficial. Beneficial gave my ex-wife the "run around" several times. My ex-wife sent in the necessary documents for the hardship a few times (because Beneficial somehow lost or misplaced the documents), however, Beneficial took their sweet time approving the hardship. When the hardship finally went through, the payment was lowered to approximately $150 a month. This hardship was for 6 months and after the 6 months was up, my ex-wife could apply again. So, here recently she did--she was denied. Now, my ex-wife has not had an increase in pay or won the lottery. Beneficial told her to re-apply in a month---WHAT!!! This is crazy!!! Now in saying all of that, I need to say this, remember me saying that the loan was $15,000 and that amount has been paid on for years now....the balance as of May 2010 is $14,383.45. Ya, do the math. Beneficial is a rip off--the loan is paid down roughly $700 after several years. My next step is the Attorney Generals office. I am looking at having Beneficial Finance investigated.
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skelly39 on 05/17/2010:
This sounds like a line of credit. I have one with them also that I am paying off this week. The balance never went down. Check your paperwork to see if it's a closed-end loan or a line of credit. If it's a line of credit, see if you can get someone else to give you a loan to pay it off.
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This Company Is Out Of Control!
Posted by
We took out a auto loan with HSBC auto financing, in 2006 for our truck, we have paid them over 18000.00 on our loan never late on a payment, and then the 6th of March I called them to see if we could defer a couple payments, they said no then transferred our loan to a debt consumer company, my husband has been laid off work so we are trying to save what money we have till he goes back to work, but this company couldn't care less about helping their customers, this company needs to be investigated, between their poor credit card services and their loans, they are ripping off who ever they can.
This is a sorry company all the way around, they should be shut down.
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warddw1526 on 04/01/2010:
I fail to see how they are ripping you off. You entered into an agreement where they loaned you the money, and payment amounts and interest rates were set up. Should they give you a break and help you out? Probably, if what you wrote is true. But they are not required to give you help.
babs on 05/04/2012:
Grasping for answers...Vehicle repoed then resold at auction 2002.
Why is it legal for a bank,HSBC, whom discharges/writes an account off, then sells the account to another bank, Citicorp, and almost 10 years later are able to garnish my wages over 30%! A total surprise one payday "missing" 30 plus % of my wages. I AM LOOKING FOR LOOPHOLES!!??PLEASE!! So asked HSBC to lower my payments due to medical attention needed for my child who was born with a birth defect affecting her face, and got no sympothy just like you. I am currently happy with my current loan/banker and am looking for a way to get out from under this mess. two fold. I also have a credit card with HSBC. Bought a pack of smokes and three yrs later I owe 300plus. got fraudulent charges that aren't mine and they refused to remove them. How's that for horrible customer service! I'm gona get some legal advise but with the first amendment on my side I will drive my vehicle with a big magnetic sign with nothing but facts and warnings. d
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Looking for the Lost Greeks
The Archaeology of Nostalgia: How the Greeks Re-created Their Mythical Past
The Parthenon
The ancient Greeks could not tell just how ancient they were. Other cultures—Mesopotamian, Egyptian, Chinese—had continuous written records descending from the Bronze Age. They were able to read and arrange these records in their chronological order. The Greeks, too, had writings from their indirect (Minoan) and direct (My- cenaean) forebears, but they could not read them. The intervening Iron Age had, in Hamlet's phrase, "wiped away all trivial fond records." The records that remained were not read for three millennia, until the Mycenaean (early Greek) part of them was deciphered in the 1950s. The Greeks themselves were left with, mainly, oral poetry as a bridge to the distant Bronze Age, and this poetry was then set down in a Semitic alphabet, which seemed to have nothing to do with the "Linear" syllabary language of the past. A great gap existed, then, between classical Greeks and their presumed "heroic" ancestors. Compared to the ancient civilizations they knew, the Greeks were newcomers. As Herodotus (2.53) put it:
Where specific gods came from, or whether they were always there, or what kind of form they took—these things they learned just the day before yesterday, as it were. For Homer and Hesiod, contemporaries who lived no more than four hundred years ago in my opinion, first gave them an account of the gods, distinguishing their titles, prerogatives, and special powers.
Hesiod, the very poet who (according to Herodotus) gave the Greeks their past, shows how uncertain he was about that past by the use he makes of a chronology of four metallic eras, a chronology derived from the East. He turns the eras into races, and lists them as the golden race, the silver one, the bronze one, and the iron one. His scheme is embarrassed by the fact that he cannot assign the Homeric poems to any of the four races, and has to insert, clumsily, a "heroic race" between the bronze and iron ones, producing a fivefold scheme with an anomalous (nonmetallic) era insecurely attached to the chronology of myth (Works and Days, 108–201).
Herodotus thought Homer lived "the day before yesterday" because he belonged to what we call the eighth century. But modern scholars have been moving "Homer" down to the seventh century or even the sixth. The renowned Oxford scholar John Boardman places him in the seventh, but followers of the Harvard professor Gregory Nagy prefer the sixth, though all now think of the date when the epics took their surviving shape as the culmination of a long evolution of oral performance.1 How vast and old that performance material was can be gauged from the fact that the earliest depictions of heroic myth (on Greek pottery) tend not to follow the versions given in the two major epics, but draw on some other traditions.2 It used to be said that these variants came from the Cyclic Epics—the cycle of six epic poems, apart from the Iliad and Odyssey, tracing the story of the Trojan War from the Judgment of Paris up to the fate of Odysseus' son by Circe, Telegonus. Only fragments of the cycle survive, though there are many ancient references to their contents and some have argued that the epics were later confections to fill in the omissions of Homer, sometimes with variants. That is no longer thought plausible. The date of the old vase paintings shows that the variants were already available to artists in the eighth and seventh centuries. If these alternate versions were present in the Cyclic Epics, then the sources of those poems were pre-Iliadic, irrespective of when the Cyclic Epics took their final shape.3
These problems of charting the Greeks' past give John Boardman the starting point for his new book. He thinks that the Greeks' insecure purchase upon their founding legends led to an "archaeology of nostalgia," a desire to establish as many points of contact with that distant past as they could contrive. This involved an energetic search for, and ingenious analysis of, any surviving physical stuff of that past—or what they could interpret as such. The search began with Homer himself, who tried to give a local habitation and a name to features of his story—the burial mound of Myrhine, for instance (Iliad, 2.814), or the cave where Odysseus stored his treasure (Odyssey, 13.366–367). Post-Homeric authors also showed a concern for physical evidence of the epic past—its topography, artifacts, tombs, and supposed monuments. The greatest example of this concern is Pausanias, the second-century-CE author who visited and described the major Greek sites, attaching them wherever possible to legendary figures and events. He says, for instance (1.21.3), that one side of Mount Sipylos is shaped like a human face, and rain or rivulets on it reveal the weeping Niobe turned to stone.
Boardman cites another passage in Pausanias (1.26.5) referring to the mark of Poseidon's trident in the rock of the Akropolis in Athens. This triple cleft was so revered that it was enclosed within the Erekhtheion that housed the most sacred symbol of Athena. Such naturalia not only verified myth but gave the local residents a claim on the miracle. This resembles what Mark Twain encountered in his trip to Palestine. Clerical guides explained that a white cave in Nazareth showed that the Virgin Mary must have nursed Jesus there, since a drop of her milk could whiten the whole cavern. "The old monks are wise. They know how to drive a stake through a pleasant tradition that will hold it to its place forever."4
Even more intriguing than natural features must have been artifacts surviving from the heroic age. Boardman tries to imagine classical-era Greeks' reactions when they opened up Bronze Age tombs. They no doubt found strange utensils, exotic jewelry, obsolete armor, bronze weapons, indecipherable inscriptions. The most intriguing illustration in Boardman's book shows a small clay sculpture (circa 800 BCE) from Crete, part of a find first published by Boardman himself. It seems to represent a mound-tomb (tholos) with two men kneeling on its round top and peeking down into it through a hole in the mound's center. They are accompanied by a dog, and their gestures suggest surprise. Boardman plausibly argues that it depicts the discovery of an ancient tomb. (Was it the dog who came upon it?)
Boardman poses hypothetical problems in interpretation for such Schliemanns avant la lettre. What would they make of exotic burial procedures known to modern archaeologists that would look foreign to them? When they found, let us say, clay coffins shaped like bathtubs, did they imagine murders committed in the bath—giving them the non-Homeric detail that Agamemnon was killed that way? Some children were buried in large jars. Could that be the source of the story of the boy Glaukos, who drowned in a honey jar? (Glaukos was the son of Minos and Pasiphaë, and hence brother to Ariadne and Phaedra. After drowning in the honey jar, he was brought back to life by a seer who had been shut up in the tomb with the dead boy's corpse—a story shown on a fifth-century Attic vase reproduced by Boardman.) Adults, on the other hand, were sometimes buried in large cauldrons, which might be the source of Medea's boiling of Pelias in her witch's pot. If there were rotting clothes around entombed skeletons, that could be the origin of Nessos' shirt, which consumed the demigod Herakles when he donned it. These are all interesting guesses, but the conjectural finds he describes may simply have confirmed or exemplified already-existing tales rather than "inspired" them (the word Boardman uses of these examples).
A parallel line of inquiry Boardman borrows, with ample acknowledgments, from Adrienne Mayor, an independent scholar in Princeton who has also written about Native American fossil-related legends. As Boardman imagines archaic and classical men speculating over tomb finds, Professor Mayor imagines them confronting the bones or fossils of outsize, extinct, or rare animals.5 Bones from mammoth vertebrates may have been taken for relics of the giant heroes of the past or of the monsters they fought. One of Mayor's spectacular examples is a Corinthian vase painting of a monster's head protruding from a cliff face, a configuration in line with accounts of animal skulls bared on eroding cliffsides of the Aegean coast. Herakles is fighting the monster on the vase, and Mayor thinks that the creature's large jawbone corresponds with the skull of a Miocene Age giraffe, but Boardman doubts that it had so specific a model. He says that any horse or cattle skull would offer a sufficient prototype. He finds many sources for the monsters in Greek art, from scrambled bones, combined animal parts, or freakish fossils, though he admits that some of the creatures came from stylized Eastern art.
Whatever the strength or weakness of Boardman's particular hunches, he certainly makes one aware of two things: the need of the Greeks to seek every way of connecting with their heroic but largely vanished past, and the obvious recourse that would have been offered them by physical realia (objects from everyday life), naturalia (objects from the natural world), and artificia (art objects and technological artifacts) surviving from that past. Their condition in an aggravated state is similar to the milder form of it to be found among modern art historians looking back toward classical Greece. Though no lapse from literacy cuts them off from fifth-century-BCE Athens, there is a gap that resembles, if only partially, the one dividing fifth-century Athens from eleventh-century Mycenae. This was noticed by Brunilde Sismondo Ridgway, a professor emerita at Bryn Mawr, in her 1996 Sather Classical Lectures, published in 1999: "Finally, in our starved desire for Greek originals, we romanticize and exaggerate the artistry and beauty of extant architectural sculpture—that is, of something that might occasionally have rated, in antiquity, at the level of a glorified molding."6
Though she was talking only of architectural sculpture, she was echoing a common plaint about classical Greek art. The best and most famous sculpture from that time has disappeared because it was cast in bronze, a material easily and regularly melted down. For the most famous Greek statues all that remains are copies made in a different medium by indifferent artists—the Roman versions made in marble. A few ancient Greek statues have been retrieved from under the waves, where they could not be found to be melted in the intervening time. They impress us as miraculously good, but none is an anciently famous work by a famous artist. They still do not tell us what we would see if an original Praxiteles or Polykleitos were to be fished up tomorrow. The same is true of ancient Greek painting, of which we get only a distant approximation in the paintings of Pompeii or those on Greek vases. The aesthetic oohing and aahing over Greek pots is a good example of what Ridgway was talking about. They are important historical documents for learning about Greek myths, social customs, theater history, and chronology, but no ancient writer claimed that these illustrated utensils were examples of high art. They have to serve us faute de mieux.
Gregory Nagy, Homeric Questions (University of Texas Press, 1996), pp. 65–112.↩
Anthony Snodgrass, Homer and the Artists: Text and Picture in Early Greek Art (Cambridge University Press, 1998), pp. 12–39.↩
Jonathan S. Burgess, The Tradition of the Trojan War in Homer and the Epic Cycle (Johns Hopkins University Press, 2001), pp. 53–94.↩
Mark Twain, The Innocents Abroad (Oxford University Press, 1996), pp. 529, 601.↩
Adrienne Mayor, The First Fossil Hunters: Paleontology in Greek and Roman Times (Princeton University Press, 2000). ↩
Brunilde Sismondo Ridgway, Prayers in Stone: Greek Architectural Sculpture Ca. 600–100 BCE (University of California Press, 1999), p. 222. ↩
Gregory Nagy, Homeric Questions (University of Texas Press, 1996), pp. 65–112.↩
Anthony Snodgrass, Homer and the Artists: Text and Picture in Early Greek Art (Cambridge University Press, 1998), pp. 12–39.↩
Jonathan S. Burgess, The Tradition of the Trojan War in Homer and the Epic Cycle (Johns Hopkins University Press, 2001), pp. 53–94.↩
Mark Twain, The Innocents Abroad (Oxford University Press, 1996), pp. 529, 601.↩
Adrienne Mayor, The First Fossil Hunters: Paleontology in Greek and Roman Times (Princeton University Press, 2000). ↩
Brunilde Sismondo Ridgway, Prayers in Stone: Greek Architectural Sculpture Ca. 600–100 BCE (University of California Press, 1999), p. 222. ↩


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Middle school and high school level English teache... ...teachers are forever asking students to look for symbolism in the classic novels they read. The assignments... ...ubiquitous that you have to wonder how this much symbolism actually gets written into so many great novels.... ...lists and asking them if...http://www.neatorama.com/2013/11/25/Famous-Novelists-on-Symbolism-in-Their-Work/
Famous Novelists on Symbolism in Their Work
Superhero Infographic Reveals The Value Of Color...
It's Spidey red versus Superman blue in this infographic that shows the ways in which the two comic juggernauts use color to tell their tales. Be sure to read on and find out all about the importance of colors in com...http://www.neatorama.com/2011/09/16/superhero-infographic-reveals-the-value-of-color/
Alchemy Emblems...
Bibliodyssey has a collection of 14 weird alchemy emblems, which were published in the German picture book Emblemata Nova in 1617. These emblems combined symbols that the reader was expected to decipher, although acc...http://www.neatorama.com/2011/08/08/alchemy-emblems/
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Whole Foods is Finally Green Lighted!
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Great news today from Brownstoner that "The Board of Standards and Appeals voted unanimously moments ago to grant Whole Foods Market a variance to build its long-planned supermarket in Gowanus on 3rd Street and 3rd Avenue. The store has been in the works for 8 years, and the variance request represented the company's last regulatory hurdle to building its first supermarket in Brooklyn."
You can read the full story on the NY Times here.
I couldn't be more excited. I lived above the Whole Foods in Chelsea for about 6 years and loved going downstairs in my pjs to get that one tiny item that I craved. Or rolling the cart up to my apartment. Wonder if they will make apartments above this one as well? I might move if they do.
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It saddens me that people get excited about yet another huge chain store coming to the neighborhood. How can we maintain the character of our city when all the megastores make it look like any other place, USA. No thanks. I'll continue to shop at local family-owned establishments, trying to keep Starbucks and Walmart out of our neighborhood.


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Business appliance maker HP announced that Robert Sherbin has been named vice president of HP Corporate Media Relations.
Mr. Sherbin, was formerly vice president of Corporate Communications at Gateway, and was also a news reporter with the Dow Jones News Service and a manager of its Nordic and Hong Kong bureaus.
"Bob's global experience provides him with a deep understanding of the range of issues affecting regional markets and how messages and activities must be linked to an overall global strategy," said Allison Johnson, senior vice president, Corporate Marketing, HP. "He joins our team with an in-depth understanding of the media and an appreciation for establishing trusted relationships."
Mr. Sherbin has worked with several companies, including HSBC Group, First Pacific, Gateway Asia Pacific, and Merrill Lynch Asia Pacific. In 2003, he returned to Gateway, where he most recently led the Corporate Communications department following the company's acquisition of eMachines.
Mr. Sherbin received his undergraduate degree in English from Kalamazoo College in Michigan and a Master of Science degree in journalism from Northwestern University.
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4th February, 2014 | Views: 3,279 - Drake announced in late 2013 that he and Noah "40″ Shebib's work on the late singer,..
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Wishing you a Safe, Healthy, and Happy Holiday Season- and a Great New Year!
Seasons Greetings from your friends at the Gettysburg Festival!
During the Holidays, we reflect on the blessings of 2014 and look forward to a safe, happy (and rain-free) 2015.
We have four unique festivals planned to showcase the best of Gettysburg and surrounding region's visual, performing and culinary arts. Please check back often for complete details. In the meantime, check out the Gettysburg Firkin Fest website for all of the details, click on the Firkin Fest logo below


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by James Patterson
The Indianapolis Star
Published: Nov. 16, 2002
A tip from a police officer who claimed to have seen tapes
of the 1995 explosion turned out to be false. But Burton's committee, which
has subpoenaed the Office of Naval Intelligence, still wants to know if
videotape exists that could prove or disprove reports of a Middle
Eastern-looking John Doe No. 2 getting out of the Ryder truck, which blew up
minutes later, killing 168 people. The feds maintain that executed bomber
Timothy McVeigh and Terry Nichols acted by themselves.
"It doesn't really affect what we are doing," said
Kevin Binger, the committee's chief of staff, "except to the extent
that we have just dismissed this one witness."
Sen. Arlen Specter, R-Pa., also is looking into a foreign
link to the explosion.
While Burton now says that J.W. Reser's claims were untrue,
the former policeman's accusations were taken seriously for good reason. A
federal judge confirmed the existence of the videotapes in a little
publicized Freedom of Information Act case last year.
In July 2001, in the FOIA lawsuit filed by an Oklahoma
journalist, the Justice Department reluctantly conceded the existence of 23
videotapes. The tapes photographed the area around the Murrah Federal
Building between April 15, 1995, and 9:02 a.m. April 19, when the bomb went
This is significant because the government has long denied
the existence of surveillance videotapes that are alleged to show John Doe
No. 2 exiting the Ryder truck with McVeigh before it exploded. The Justice
Department has steadfastly maintained that only one surveillance videotape,
from the nearby Regency Tower apartments, captured the events of April 19.
The government produced a blurry, black and white image of a large Ryder
truck heading east on Fifth Street toward the federal complex at McVeigh's
Is the Regency Tower's videotape the only record of scenes
from the morning of the bombing? The judge who presided over the FOIA case
says no. After looking over a confidential index of the surveillance
videotapes in federal custody, U.S. District Judge Wayne Alley ruled:
"The FBI's list of responsive material from its Oklahoma City Field
Office includes numerous other tapes dated April 19, 1995, from several
Where is the videotape of the vehicle that resembled
McVeigh's yellow Mercury Marquis parked directly north of the Murrah Federal
Building moments before the blast? FBI Agent Jon Hersley testified he viewed
photographs from that security tape in April 1995. McVeigh trial Judge
Richard Matsch granted the Justice Department's request to seal much of the
evidence, including videotapes.
Why is the government so against releasing tapes showing the
area in and around the federal building and any people or vehicles that
might have been there? It's a question that Burton's committee and others
continue to ask.
The existence of several videotapes around the federal
building is not news to Stephen Jones, McVeigh's chief defense lawyer and
author of "Others Unknown," a book about the bombing.
"There (are) a lot of very disturbing questions that
have never been truthfully or fully answered about the Oklahoma City
bombing," Jones told me. "Some of them may not have a basis in
fact; some of them appear to have substantial basis in fact. But the
government, for reasons I outlined in the book and perhaps other reasons, in
my opinion, suppressed the truth and continues to suppress it to this day.
"With the World Trade Center (attack) and the (pending)
war with Iraq and all of that, it tends to overshadow the Oklahoma City
bombing. And there's always the risk that it will fall into the crack of
history and be forgotten," Jones said. "I think the government has
gone to enormous lengths to control the public's access to information and
to resist public disclosures and to minimize what is available."
The Government Reform Committee may be hunting for the right
fox, yet down the wrong hole. The FOIA suit clearly shows the Justice
Department has videotapes under wraps, not the Office of Naval Intelligence.
Though they're under seal, Congress could still subpoena them. Isn't it time
those tapes be released to the public?
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Guilt-ridden Joey finally confesses his love for Rachel to the flabbergasted Ross. watch
"I can't stand him, but my subconscious is such a little ho!"
On Wednesday's Happily Divorced (10:30/9:30c, TV Land), Fran (Fran Drescher) is having difficulties keeping her mind on her fiancé Elliot (D.W. Moffett). Why? She's been having sex dreams about her next door neighbor Neil (Harry Van Gorkum)!
In Columbia Pictures' The Karate Kid, 12-year-old Dre Parker (Jaden Smith) could've been the most popular kid in Detroit, but his mother's (Taraji P. Henson) latest career move has landed him in China. Dre immediately falls for his classmate Mei Ying - and the feeling is mutual - but cultural differences make such a friendship impossible. Even worse, Dre's feelings make an enemy of the class bully, Cheng. In the land of kung fu, Dre knows only a little karate, and Cheng puts "the karate kid" on the floor with ease. With no friends in a strange land, Dre has nowhere to turn but maintenance man Mr. Han (Jackie Chan), who is secretly a master of kung fu. As Han teaches Dre that kung fu is not about punches and parries, but maturity and calm, Dre realizes that facing down the bullies will be the fight of his life.
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A woman who has just discovered she is the daughter of a murdered Mafia chieftain seeks revenge, with the aide of her Father's faithful bodyguard
Based on the Best-Selling series by Cassandra Clare. Clary's life is turned upside down when her mother is kidnapped and it's revealed that she and her mother are actually shadowhunters - billed with protecting the world from downworlders such as vampires, werewolves and demons. Clary must discover her talents and save her mother.
An ordinary NYC teenager meets a whole new underground universe when a monster kidnaps her mom - young Clary meets the Shadowhunters, a secret group battling demons while searching for the Mortal Cup.
Based on the Best-Selling YA series by Cassandra Clare. Clary's life is turned upside down when her mother is kidnapped and it's revealed that she and her mother are actually shadowhunters - billed with protecting the world from downworlders such as vampires, werewolves and demons. Clary must discover her talents and save her mother.
More Harry Van Gorkum Movies Videos
During a super storm, the ladies get stuck in the house with some unwanted guests: Victoria's island boyfriend, Melanie's downer friend and Joy's mother. Elka thinks the ghost of a murdered woman has come back, seeking revenge.
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On the heels of being kissed by Neil, Fran flies to London to surprise her fiance Elliot. But she quickly realizes that Elliot has the surprise for her.
Also Available On Amazon Instant Video
When Brennan (Emily Deschanel) is shot while working late at the Jeffersonian lab, she is rushed to the hospital in critical condition. While at the hospital, she struggles with visions of her mother that defy her usual logic. Meanwhile all evidence suggests that Brennan's attacker may be linked to the Jeffersonian.
Also Available On Amazon Instant Video and VUDU
When Fran saves the life of her neighbor, Neil, she hopes he'll consider the debt between them paid off. But with Neil on her mind, he starts showing up in some other unusual places, too.
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Press Releases
Coolicious tastes sweet success at British Smoothie Championships
Coolicious, the UK market leader in fat free frozen yogurt, has been hailed as the secret ingredient behind a perfect smoothie recipe following success in the British Smoothie Championships at the Lunch! Show 2011. Judged in front of a live … Continue reading
Coolicious contribution to Lunch Show Review
Commenting after the show, Richard Drane, managing director of Coolicious, the UK market leader in fat free frozen yogurt, said: "This was our first experience of exhibiting at Lunch!, and we were very impressed. We enjoyed consistently high levels of … Continue reading
Coolicious fat free frozen yogurt
The UK frozen yogurt market The UK frozen yogurt market is currently estimated at £37.6m The UK frozen yogurt market is estimated to experience triple digit growth per year to reach sales of £150m by 2013 As market leader, Coolicious … Continue reading
Enjoy a Mango Moment !
Coolicious, the UK market leader in premium frozen refreshment, is launching two tempting new flavours of fat free frozen yogurts at Lunch! 2011 (29-30 September 2011, Old Billingsgate, London). Mango Moment complements the existing, all fat free range of Coolicious … Continue reading
5 million Coolicious decisions can't be wrong!
The chances are that the next time someone in the UK buys a smoothie, the secret ingredient behind the super fresh taste and smooth, creamy texture will be Coolicious fat free frozen yogurt. With 1712 servings of Coolicious fat free … Continue reading


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OKLAHOMA CITY - For the longtime Arizona State basketball fan who thought the Sun Devils once had a chance to reach the Final Four, today's matchup with Kansas has some significance.
For it was 22 years ago that Ned Wulk's last great season came to a devastating end at the hand's of the unheralded Jayhawks in Wichita, Kan., in the second round of the NCAA tournament.
Now the roles have reversed as the sixth-ranked Jayhawks (26-7), though not as deep as they were at season's start, are still entertaining Final Four designs and the Sun Devils could ruin them.
The Jayhawks are the No. 2 seed in the West and need to defeat ASU to reach the Sweet 16 for the third successive season.
Back in 1981, the Sun Devils of Alton Lister, Sam Williams, Johnny Nash, Byron Scott and Lafayette "Fat" Lever were fresh off a 20-point road dismantling of top-ranked and undefeated Oregon State when they were given a No. 2 seed in the Midwest Region. Kansas crushed ASU, 88-71, and Sports Illustrated sniffed that third-ranked ASU "had tripped over its press clippings."
More accurately, ASU succumbed to the pressures of expectations.
But there's none of that now. It's all on Kansas.
"We don't have any pressure on us," said senior forward Tommy Smith.
"We're a team that it's going to be hard to take our confidence away. Other people might not expect us to win but we expect to win every game. We'll come into the game very confident."
One reason for that confidence is Kansas has already been defeated by two Pac-10 teams, Arizona and Oregon.
Kansas looked vulnerable in slipping past Utah State on Thursday night.
The Devils, along with KU coach Roy Williams, expect to see a different Kansas team today at the Ford Center.
"They're a great team. They have great tradition," Smith said. "I'm pretty positive they will be ready."
Said Williams, "We have got to play better than we did. We have to rebound the ball better. Hopefully, we have that first game (jitters) out of the way."
Kansas is another three-man team with sophomore Keith Langford emerging to join senior stars forward Nick Collison and guard Kirk Hinrich. The Jayhawks' top muscle man inside, 6-foot-9 sophomore Wayne Semien (dislocated shoulder) is out for the season.
"Kansas is a tremendous outside shooting team and a tremendous transition team," ASU coach Rob Evans said. "They're a tough, hard-nosed team. They do a lot of changing defenses on you. Hopefully, we'll be ready for that."
Both coaches said it would be foolhardy to zero in on the star players.
"Once you start spending too much of your focus on one or two players, it's the other ones who end up hurting you most," Evans said.
Langford had 22 points against Utah State and the Jayhawks hope he plays as well today. Williams said he needs more from Hinrich, who scored only eight points and attempted just seven shots.
"I do need him to be more offensive-minded," Williams said. "We need to get him in rhythm. (But) we're playing a good defensive team."
The Devils (20-11) played Memphis on a strictly neutral floor. The Jayhawks' old Big 8 loyalties have the Oklahoma partisans backing them against ASU.
"It's hostile territory. Our kids are used to it," Evans said, noting McArthur Court and McKale Center as places that prepped his team for this situation. "But I told the kids, it's 5-on-5. You have to play the game."
The Thursday-Saturday format is what the Pac-10 plays. Games are usually three days apart in the Big 12.
"We're accustomed to this," Evans said.
Which means these Devils already have a leg up on their more talented predecessors of 20 years past.


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Montgomery County, MD United States
Custom Home More Than 5,000 Square Feet / Merit Award
The boxy front elevation of this house outside Washington, D.C., may appear subdued. But just behind and to the left of it lurks an unexpected surprise: a second, copper-clad volume exactly the shade and sheen of a brand new penny. The beautifully simple setup, an extensive remodel and addition to a 1930s Colonial, won the judges' admiration. "The strength of this project is the plan," said one.
Architect David Jameson conceived the two forms as an interplay between heavy and light, as well as past and present. "The two bars slip past each other," he says. "One is rooted to the ground, and one is a very light garden pavilion." Influenced by the anti-ornament writings of the Czech-born, early-20th-century architect Adolf Loos, Jameson re-clad the existing brick house in plain stucco to create the heavier front element. Stone walls further anchor it to the site. Its almost anonymous look recalls the International Style houses of the 1920s and '30s. The buoyant, all-new copper pavilion, meanwhile, cantilevers over a ground-floor window wall, thanks to modern-day engineering. As it fades to bronze and eventually green, its colors will blend in with the leaves around it.
Bathroom/Kitchen Cabinets: RKI; Bathroom Plumbing Fittings: Dornbracht; Bathroom Plumbing Fixtures: Duravit; Dishwasher: Fisher Paykel; Entry Doors/Interior Doors/Paneling: RKI; Fireplace: Heatilator; Garage Doors: Wayne Dalton; Garbage Disposer: In-Sink-Erator; Hardware: Omnia; HVAC Equipment: Owens Corning; Kitchen Plumbing Fittings: Blanco; Kitchen Plumbing Fixtures: KWC; Lighting Fixtures: Halo; Oven: Wolf; Paint: Benjamin Moore; Patio Doors/Windows: Weathershield; Refrigerator: Sub-Zero; Skylights: Dulles Glass.
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Rehkamp Larson Architects, Inc
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Anderson Anderson Architecture
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Travel ideas by author: 15 results
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Besides its location along the great Mississippi River, the St. Cloud area's also known as Granite Country. Rocky outcroppings throughout the region have been quarried for more than 130 years, providing red and speckled black-and-white granite that graces buildings and monuments across the country.
People from around the world come to Itasca State Park in northwest Minnesota to marvel at the serene birthplace of the mighty Mississippi River. They pose next to a large pine log carved with yellow letters that mark the site and the beginning of the great river's 2,552-mile route across America to the Gulf of Mexico.
Expect a dose of "Say cheese!" as visitors hit Bemidji's lakeshore, where historic statues of Babe the Big Blue Ox and Paul Bunyan loom large. Long before "Super Size Me" became a catchphrase, this larger-than-life plaid-shirted lumberjack starred in tall tales from the north woods.
Garden lovers and green thumbs seeking fresh ideas can find inspiring gardens throughout the state, each with its own distinct personality and history. Blooms begin in mid- to late April (depending on the snow melt) and continue until late fall's frosty bite. The colors and landscapes change constantly through the seasons, which make them ideal for repeat visits.
Less than two hours west or south of the Twin Cities, you can reach remnants of rolling and pancake-flat prairie, where summer winds ripple grasses and flowers like a sea. Here's where you can see what remains of that original prairie and catch a colorful, seasonal glimpse of what the state once looked like.
Chalk it up to the slower pace, historic grace and inherent romance of river towns. Southern Minnesota offers several easy river town escapes, perfect for packing a weekend with activities or easy-does-it unwinding together. Here are some of the top spots for rekindling romance.
If big-box Black Friday crowds or sprawling mall parking lots make you want to hyperventilate, head for Minnesota's historic downtowns this shopping season. You'll find unique stores, locally made gifts, and a pace that makes it feel like a getaway rather than a to-do list. As a bonus, most destinations offer additional seasonal fun that can spark fresh holiday traditions.
Wildlife sanctuaries dedicated to wolves, bears and eagles offer fun and education for animal lovers of all ages. Plan a trip to the International Wolf Center and North American Bear Center in Ely, the Vince Shute Wildlife Sanctuary near Orr, and the National Eagle Center in Wabasha.
From Greyhound buses and snowmobiles to SPAM and Red Wing pottery, Minnesota boasts a boatful of great inventions and beloved products that have been woven into American life for generations. See how ideas were first sparked, how products evolved and get the inside story on everyone from Betty Crocker to the Jolly Green Giant by visiting museums and factory tours devoted to the North Star state's best-known creations.
There's little that rekindles romance like a cozy B&B room with a fireplace at the end of a crisp winter's day exploring the sights together. The river towns of southeast Minnesota are ideal for that sort of getaway.
The serenading song of birds and the translucent green glow of freshly unfurled leaves signals the arrival of spring in Minnesota. If you're lucky, you can add the thunder of waterfalls, too.
With fresh-from-the-farm meals and sunsets that paint rolling hills pink, you'll find one of the state's most romantic road trips in southeast Minnesota.
The 46-mile Avenue of the Pines Scenic Byway delivers what it promises -- thick evergreens that flank the road like sentries.
Ojibwe (or Anishinaabe) and Dakota (Sioux) heritage figure strongly in Minnesota's past and its present. Here are some of the best places to admire tribal artistry, learn about their histories, and appreciate their cultures through storytelling and music.
Slip your canoe into the water to soak up the last of the warm weather and admire autumn's brilliant colors mirrored across the surface of regional rivers.
AnneMN Expert since 2003
Want to know the best spots in Minnesota? How about tips on how to make the most of your time in a specific city? Our Minnesota experts can answer your questions, offer advice, or plan the perfect Minnesota trip for you. For free.


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From: 1244965534196
Remote Name: 184.108.40.206
Date: 06/14/2009
Time: 03:45:35 AM
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From: Ron
Remote Name: 126.96.36.199
Date: 02/25/2003
Time: 12:45:22 AM
Schierholz made a sad radish and happy radish in 0,125 L, 0,3 L and 0,5 L sizes. There is also a radish pouring stein in the 2,25 L size. Finally there was a Bismark radish in the 0,3 L and 0,5 L sizes. The sad and happy radish were in Gary Kirsner's 11/30/02 auction, lots 197 and 198 (go to the Links section to go to that site). There are blue and honey color versions of these steins.
The seated ram in the 0,5 L stein is listed in The Beer Stein Library in the $550-700 range for honey color and $800-1000 range for the blue color. Look at lot 62 in Gary Kirsner's 07/08/00 auction.
Schierholz also made modern versions of some of their steins. You can view an article on Schierholz in The Beer Stein Library. I don't think they made modern versions of your steins, but the article will help distinguish the old and new marks. You need to register, but there is no charge to view the articles. Membership is required to view their catalogs, which include price ranges and translations, where available.


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what size wetsuit shuld i buy for for december to around may 5mm or 6mm
what size wetsuit shuld i buy for for december to around may 5mm or 6mm
if you are surfing only in decemeber, i would go with a 5. i wear a 5/4/3 all winter. i went out last week in it and was sweating. it all depends where you surf, how long you will be in the water and how far into the winter you plan on surfing
If you get a good quality suit, a 5/4/3 will be fine
I use a 5/3 with a hood, boots, mittens and I am fine the entire winter
different brands size there suits differnetly . I would sugest going to the website of the suit you are interested and look at there size chart then go to a good surfshop and try them on . Try a few to see what fits you best. I good fitting suit should be snug but not the the point where is restrics you movement


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I am currently working on the localization issues and restoring balance, and there were no cossacks before. I haven't heard of those other issues and I don't have them on my end so maybe it is something about your game.
I am currently working on the localization issues and restoring balance, and there were no cossacks before. I haven't heard of those other issues and I don't have them on my end so maybe it is something about your game.
Yo, ok, so there is an issue where I cannot fire the danubian confederation event because Austria does not have all of its cores, yet it has all of its cores, I saw the core spread event fire, but nothing happened, I would look into it.
Yeah, checked, I think it is an issue of if you expand you can not do anything, ill keep the savegame, and send it to you if you want
Last edited by Connor Mulhern; 19-07-2012 at 07:40.
Some uncivis don't have government types. Also, I don't know if this is only me but my capitalist refuse to build steel factories.
Had a weird event while trying to justify a war. Got hungarian nationalist event which lowered my speed for justifying, and I was an Ameriga country. The effect was correct, but I think the localization was pretty wrong. Wish I could give more info, but it just happened.
Last edited by aeriic; 19-07-2012 at 23:56.
I noticed a bug in the Grand Columbian dissolution chain where a northern province (I believe it starts un-colonized and a Columbian core is added via event) remains with Mexico after Gran Columbia is dissolved even though it has no connection without Mexico what so ever. Also, have you considered putting the Inca state into Gran Columbia's sphere at the beginning of the game? The modernization event or the Inca rebellion could remove the Inca from Gran Columbia's sphere and it would keep the Inca from being eaten early on.
"You can make an omelet without breaking any eggs; it's just a really bad omelet"
~ Stephen Colbert
also, link to save
I would also throw on some infamy, maybe like 5 or something, in that case, and I reloaded the save and I could now do it, I guess it was some sort of weird glitch from my game -_-
Also, do you mind listing the pathways for the hotfixes, not all of us know where all these files are so we have to search ^-^
Edit, for the next version, I would just generally reduce the civ level of countries, most of them civ by around 1870, unless that is intended
Last edited by Connor Mulhern; 20-07-2012 at 18:21.
Keep them puppets (maybe throwing in free CB's on the master countries to those who need the cores). From what I heard, the substate system doesn't really work the way it should. Ask Naselus for more info on that.
Why does Aragon have accepted cultures on the north African Arabic ones


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Definitions for upper crust
This page provides all possible meanings and translations of the word upper crust
Princeton's WordNet
upper class, upper crust(noun)
the class occupying the highest position in the social hierarchy
upper crust(Noun)
The topmost layer of a bread, pastry dish, or other item with a hardened coating.
upper crust(Noun)
The social elite.
Upper Crust
Upper Crust is an international chain of baguette restaurants concentrated along commuter routes. The outlets are commonplace in stations and terminals. Branches are also present in some Universities in the UK, including University College London. There are also branches at the central railway station in Oslo and Elkjøp Megastore Lørenskog, Norway. Since September 2008, there are also three units in Stockholm, Sweden - two at the central railway station and one at the nearby bus terminal, Cityterminalen.There is also one opening in Gothenburg Centralstationen/Nils Ericsson terminalen railway and busterminal. The company has started to expand into shopping centres, with a new store at Bridgend Designer Outlet, South Wales. There are also branches on airports, including Cairo Airport, Tromsø Airport, Trondheim Værnes Airport, Oslo Airport Gardermoen, George Bush Intercontinental Airport and Gran Canaria Airport.
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April 25, 2012: A state-wide initiative CREATE CA (Core Reforms Engaging Arts To Educate) hopes to restore art education to the public schools, backed by the California Arts Council, the California Department of Education, the California Alliance for Arts Education, and the California County Superintendents Educational Services Association.
Reported by Jill Tucker for the San Francisco Chronicle:
The idea is to bring together those who have labored independently for arts education. Participants want to pass legislation, increase funding and raise public awareness.
Those behind the effort - including artists, educators and executives - believe California now has enough supportive policymakers and the right mix of corporate backing and political will for the idea to succeed where similar efforts have floundered.
To that end, the effort includes incorporating art into the state's scorecard used to evaluate schools, an idea already included in two bills pending in the state Legislature (both currently in the Assembly Committee on Education).
AB 2361 by Assembly member Richard Pan (D-Sacramento) would encourage schools to include the number of visual and performing arts classes offered in the school accountability report card (SARC); SARC provides information about individual schools allowing the public to evaluate and compare schools for student achievement, environment, resources and demographics.
SB 789 by state Senator Curren Price (D-Culver City) would require the development of a voluntary Creative and Innovative Education Index as measurement of the creative opportunities in each participating school; it is not yet decided how this index might be included in the Academic Performance Index (API), currently based solely on standardized test scores that focus heavily on Math and English, but it aims to give schools an incentive to build creativity into all areas of the curriculum.
...reforms could include requiring more art classes for a high school diploma; mandatory art training for new teachers; a tax increase to fund art education; and the creation of theater and dance teaching credentials
The California Arts Council has begun an advertising campaign to promote an arts-themed license plate to raise $40 million annually for public art and arts education.


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This site is an archive!
Please note you are viewing an archive of the 2011 RiverRun International Film Festival website. Please visit our main site for the latest.
American GrindhouseDirected by: Elijah Drenner, USA, 80 minutes, Rating: MT
An African ElectionDirected by: Jarreth Merz,
Ghana/Switzerland/USA, 89 minutes, Rating: TN
ArmadilloDirected by: Janus Metz Pedersen, Denmark, 100 minutes, Rating: MT
Bathing MickyDirected by: Frida Kempff,
Denmark/Sweden, 14 minutes, Rating: MT
Big Birding DayDirected by: David Wilson, USA, 13 minutes, Rating: TN
Cameraman: The Life and Work of Jack CardiffDirected by: Craig McCall, UK, 90 minutes, Rating: TN
Circus KidsDirected by: Alexandra Lipsitz,
USA/Israel, 86 minutes, Rating: TN
GenpinDirected by: Naomi Kawase, Japan, 92 minutes, Rating: MT
Kinshasa SymphonyDirected by: Claus Wischmann and Martin Baer,
Germany/Democratic Republic of Congo, 95 minutes, Rating: TN
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text: Welcome to the Volusia-Flagler County Dental Association website. The VFDA is the local affiliate of the Florida Dental Association serving Volusia and Flagler counties. We are comprised of approximately 150 dentists from the two counties. The mission of our Association is to improve the health of the public; promote the art and science of dentistry; and promote fellowship among the member dentists.