text:
You must be logged in to add to
your Wishlists.
- Home >Decorative Calendars >Elvis® 2015 Year-In-A-Box® Calendar
With a convenient daily tear-off sheet, this calendar makes perfect sense for the desktop. Keep your Elvis® fan humming through the year with the poignant photography featured in our Year-In-A-Box.
- Add a little word fun to your desk with a convenient tear-off page for each day of the year.
- 12 months
- Due to licensing restrictions, this product can only be purchased by, sold and/or shipped to customers within the United States and its Territories & Possessions, US Military Bases & Exchanges, Canada, New Zealand, Australia and Singapore
- FORMAT Daily
- PAGE SIZE 6 1/8" x 5 1/4"
- SIZE 6 1/8" x 5 1/4" x 1 1/2"
- MONTH Jan - Dec
- BINDING Gummed
- STYLE Decorative Calendars
- PRODUCT LICENSE Elvis


text:
Send flowers to India today. All India Florist deliver fresh flowers to India. Thinking of flowers India, just remember florist India for India flowers delivery at low prices. We send flowers in India and also gifts cakes chocolates roses and sweets. Send
Flowers India : India Florist |
. | |||||||||
The shipping address on Paypal page will ask for your own address as it will not take an Indian address, but this form with delivery address reaches us so don't worry we will deliver at the address specified below Please fill this form which reaches us instantly -If you don't have a paypal account then pay by credit card Click on I DONT HAVE A PAYPAL ACCOUNT in the next form. Change the country and proceed with your credit card. |
Click on the Item Price to Order
fast service to Delhi, Mumbai, Bombay, Chennai, Madras, Calcutta, Kolkata,

subset: commoncrawl


text:
Last-minute comments delay general plan decision until December
Listening to the advice of legal counsel, the Plumas County Board of Supervisors delayed a final decision on the general plan update following a public hearing Nov. 12, but it appears very likely that the supervisors will adopt the plan Dec. 17 when they are scheduled to discuss it again.
Last Tuesday's public hearing provided the first opportunity for the supervisors to share their thoughts on the general plan update and environmental impact report, which they did in front of a crowd of about 100 in the fairgrounds' Mineral Building.
Twenty individuals made comments during the public hearing, with nine speaking in favor of adopting the plan, 10 speaking against it and one encouraging the board to tweak just one portion of the document. Most of those who commented reiterated remarks they had made during previous opportunities to address the general plan.
In addition to those who commented in person, others submitted written comments. And it was those comments that caused Planning Director Randy Wilson to ask the supervisors for time to respond to those remarks.
"I recommend that you not make a decision today," Wilson said. "Staff would like to come back with a written response."
Wilson read off a list of written comments that he had just received, including one from the High Sierra Rural Alliance.
While Supervisor Jon Kennedy appeared ready to move forward anyway, County Counsel Craig Settlemire, and James Moose, the Sacramento-based environmental attorney hired by the county to assist with the general plan process, both recommended waiting.
Moose referred to the High Sierra letter as a "last-minute dump" that is very common.
"In these situations take the time to carefully study it," Moose said. He advised the supervisors that they "could talk today, but don't take final action."
While taking additional time to respond won't prevent parties from filing a lawsuit, it would give the county a document that is more legally defensible.
Supervisors speak
Most of those who spoke against adopting the general plan during the public hearing expressed fear that their private property rights would be eroded.
Kennedy addressed that fear in his remarks. "I can't find any evidence whatsoever about stripping private property rights," he said.
Kennedy said that while there were a few areas within the plan that concerned him, those could be changed.
"When this is adopted, the world isn't going to end," Kennedy told those assembled.
Supervisor Lori Simpson said that she was "distressed about Miss Duber," the woman who signed the High Sierra letter.
"She has to wave her rod and stop the world for us again," Simpson said. "How much can you change without going through CEQA (the California Environmental Quality Act) again?"
Moose, the attorney who specializes in CEQA, said, "If you make changes that make the environment worse."
As people were filing out at the conclusion of the hearing, a visibly frustrated Simpson said, "You have to let people know that we are caught in the middle of the extreme right and the extreme left."
Throughout the process, Simpson has expressed frustration with one side saying that the general plan is too restrictive and the other maintaining that it isn't restrictive enough.
Supervisor Sherrie Thrall, who served on the planning commission before being elected supervisor, said, "I think that no matter what we do, someone is going to sue us."
While the supervisors were advised not to make any final decisions, Kennedy suggested they address specific items that could be changed, such as the way activities were defined in a timber production zone.
He also discussed the word "sustainable" — a lightning rod for those opposed to the plan — and the definition used in the general plan. The definition used includes the words "to live and prosper."
"I have the right to not want to prosper," Kennedy said.
Senior planner Becky Herrin said the definition was taken directly from the state's general plan guidelines.
Thrall agreed with Kennedy and asked that the word "prosper" be removed from the definition.
"We don't have any issue with removing it," Planning Director Wilson said.
Board chairman Terry Swofford asked about the inclusion of the greenhouse emissions report, which is now known to include inaccurate information.
A resolution stating that the greenhouse gas inventory shall not be used will be added to the documents.
Supervisor Kevin Goss, who became a board member toward the end of the process, said that he became a supervisor at "a critical time in our county."
He thanked county staff and the public for their work on the general plan.
Next step
The planning department, along with its consultants, will address the issues raised in the most recent letter submitted by High Sierra Rural Alliance, which questions the adequacy of both the general plan update and the environmental impact report.
Other documents that were received either Nov. 11 or 12 included letters from the Plumas-Sierra Farm Bureau, the Upper Feather River Watershed Group, Cedric Twight, Mark Mihevc and attorney Richard M. Ross.
Supervisor Sherrie Thrall said she didn't think it was fair that the written comments would be given further consideration, when the people who commented during the public hearing had actually made the effort to appear in person.
County Counsel Craig Settlemire said that the planning department could review and respond to those comments as well.


text:
I'm sure that most of us -- who have sober for a while -- have gone through phases when we've felt: "This recovery program isn't working for me! I feel like I'm getting worse! When is the good stuff going to happen for me?"
I believe, that this is normal for us to go through these phases. I don't believe it's normal to stay stuck in them.
My experience has been, when I've gone through those phases is: I left something out -- or I was leaving something out. There was either something that I had failed to do -- entirely and thoroughly -- or, I had just not done it at all. And, then, there were those times that I got away from doing what I knew I should be doing -- and relaxed on my laurels calling for a "recovery time out!"
I learned to get out of those phases by going back through the 12 Steps and asking myself serious questions like:
Have I really confessed all that I should have confessed? (Step 5)
What did I leave out of my Inventory? (Step 4)
What are the character defects that I've continued to hold on to, and refused to give them up? (Steps 6 & 7)
Who, where, and when -- did I not make the amends, that I should have made? (Steps 8 &9)
Have I been diligent and disciplined to at least take a daily inventory? (Step 10)
How has my prayer & meditation experience been going? have I been doing it? (Step 11)
Have I been calling my sponsor? Did I follow my sponsors suggestions -- or did I substitute it for a "good ideal of my own" because he "just didn't understand"? (Step 3, made a decision to go to any lengths -- and to follow direction).
When is the last time, and how often have I been reading the Big Book? (Yes. The Big Book -- our text book, and not the 12 & 12, or some other 'Daily Reflection' type book)? (Required for continued practice of Steps 1 & 2).
What meetings, and how often have I been attending them? (Step 12)
The meetings that I did attend: Did I just go to socialize? Or, to get something for me -- that I needed? Or, did I go there to serve and to be helpful to the meeting or to someone else? (Step 12)
When is the last time I offered my help, or let a "still drinking alcoholic" know -- that I had found a solution that has worked for me -- and it is available to them -- should they ever decide that they might like to try it, also? (Step 12).
As I look at the list above and answer the questions -- I can often discover a "pattern" where there has been one area of the Recovery Program, that I seem to continuously fail or do less than I should be doing -- to experience a healthy recovery with continued sobriety -- AND which will continue to keep me: Happy, joyous, free -- and comfortable -- while sober.
I hope that this may help you as much as it helps me.
Dallas B.


text:
Already a member? Log in.
Help support your Meetup
Chip inIntroduction:
Our founder decided to start this group because she enjoyed wine and want to get to know other people in their 20s & 30s that like wine too. It worked! Since getting started in April 2010, we've had over 600 tastings, wineries, dinners, festivals, happy hours, parties, and other great events with more planned in the future!
We welcome men and women in their 20s & 30s that want to meet new people and enjoy good wine (and occasionally beer or cocktails too). Our members range through all levels of experience with wine, so don't be scared if you are new to wine or consider yourself an expert!
We look forward to meeting you at our next event, so join us!
Our Wine Lovers Events:
We are the most active wine group on the East Coast! Events are held throughout the DC, Virginia and Maryland areas, even as far as Delaware, PA and West Virginia! Although we have over 2400 members in the group, the size of our events remain perfect for socializing and meeting new people. Our events include winery outings, happy hours, dinners, brunches, concerts, ski trips, beach weekend, and just about anything our great team of organizers can dream up! If we have wine, we have an event!
Our Non-Negotiable Rules for Joining:
While we are open to everyone joining, we are still a private group. To join, you must use your real name (first name ok), answer all questions and have a real photograph of yourself that shows your face. (This helps the event organizers when we are trying to meet you at your first few events, and allows other wine lovers to recognize you as well.) If you ignore these requirements simply to join the group, you'll be politely declined.
Love All, Respect All and Have Fun!
Note: All business related activities are headquartered out of Springfield, VA
Note on Photography: By joining this group, you accept that your photograph may be taken, posted, and possibly tagged with your name at events. If you wish to have an event photo deleted, please contact the Organizer. If you are a professional photographer, who has no previous or current association with 20s & 30s Wine Lovers and you believe your work has been posted here without permission, please contact the Organizer in order to resolve the matter.
Note on Sponsors: Sponsors of the 20s & 30s Wine Lovers provide discounts to members of 20s & 30s Wine Lovers only, and do not contribute financially or otherwise to the group. The business practices of sponsors are those of the sponsor alone, and do not reflect the policies or conduct of 20s & 30s Wine Lovers.
10% off your entire purchase! Use coupon code MEETUPDMV at checkout.
15% off Any On Tap Event Use discount code meetup on our store website
17,097 Mid-Atlantic Hikers
839 Singles
1,750 Social Friends
1,106 Vino Lovers
2,515 SCWDC Members and Guests
4,547 Geeks
Meetup members, Log in
By clicking "Sign up" or "Sign up using Facebook", you confirm that you accept our Terms of Service & Privacy Policy


text:
Scherzer goes for win No. 20 in series finale vs. A's
Righty allowed two runs vs. Oakland in April; Colon returning from DL
The American League Central-leading Tigers are in danger of enduring a four-game sweep at the hands of the Athletics.
Fortunately for Detroit, the Tigers will call on Max Scherzer to tame Oakland. The right-hander will have his work cut out for him: The A's have scored 28 runs in the first three games of the series as they continue their pursuit of either a Wild Card spot or the AL West crown.
"He's been the guy whenever we've had a couple of bad games with his start coming up, he always gives us a chance," catcher Alex Avila said. "We haven't played well in any aspect of the game this series, but getting a good outing from him would be a start."
Scherzer could be the favorite -- to this point -- to win the AL Cy Young Award. He is seeking his league-leading 20th victory of the season, which would make him the first hurler to start a campaign 20-1 since Roger Clemens in 2001.
The 29-year-old is 6-0 with a 1.48 ERA in seven outings since he suffered his lone loss of the season. In that stretch, opposing hitters are batting .144 off of him. Still, Scherzer has gone out of his way to make his won-loss record out to be a team accomplishment, not an individual one.
"That's really how I look at it," Scherzer said. "I'm not putting on a face. I'm telling you exactly how I feel about it. I feel, the way it's gone, this is much more a team stat than it has been my personal stat.
"I've got the best offense in the game backing me up and I've gone out there and pitched well, and those guys have responded equally by being consistent, getting big hits and playing good defense behind me. This has been a team effort, not just solely on me."
Scherzer started last month's Midsummer Classic for the AL. On Thursday, he'll be opposed by a fellow member of the AL All-Star squad.
Bartolo Colon was activated from the 15-day disabled list and will toe the rubber for Oakland. The 40-year-old has compiled a 14-5 record and 2.97 ERA in 24 starts.
"He pitched in the All-Star Game, he's got 14 wins, he was one of the best pitchers in baseball in the first half of the season, so it stung us a bit when we did lose him to the DL, and we're excited about getting him back," said A's manager Bob Melvin. "Any time you have that kind of quality coming back, it feels like you've made an acquisition."
A's: Colon solidifies rotation
Tommy Milone was optioned to Triple-A and Brett Anderson returned to the active roster on Wednesday. Anderson will pitch out of the bullpen. Right-hander Evan Scribner was sent to Sacramento on Thursday, creating space for Colon, and Melvin was excited to have the anchor of his starting rotation back in uniform.
"He's a nice presence for our younger starters," Melvin said. "He certainly isn't the most vocal guy in the entire world, but he most certainly carries that presence and leads by example, and our guys watch him pretty closely."
In the two starts prior to him landing on the DL, Colon allowed 10 runs in 6 2/3 innings. However, he yielded only nine earned runs in his previous 49 1/3 innings.
• Anderson earned his first Major League save on Wednesday when he allowed three runs on five hits over three innings of relief.
Tigers: Scherzer scouting A's
None of Scherzer's 19 wins this season has come against Oakland, though the righty did limit the A's to two runs (one earned) in six innings on April 12. He tallied 11 strikeouts in that outing.
In five career starts against Oakland, Scherzer has posted a 2-1 record and 3.24 ERA.
"You have an idea of who they are," Scherzer said. "I've faced them several times and I know how they've approached me. And that's the biggest thing facing a team like them. But you also take into account what they're looking like right now, what other guys have thrown them and how they're swinging the bat right now. It's an ever-evolving scouting report.
Worth noting
• Tigers starting pitchers have allowed 14 earned runs on 22 hits in 15 innings through the first three games of the series.
• The A's scored 14 runs on Wednesday, the 12th time this season the team has scored 10 or more times in a game.
Zack Meisel is a reporter for MLB.com. Follow him on Twitter @zackmeisel. This story was not subject to the approval of Major League Baseball or its clubs.


text:
Sights & museums
With the most historic sites per square meter in the Netherlands, The Hague oozes culture and history. Visit The Hague monuments such as the Binnenhof, Noordeinde Palace, and the Peace Palace. Discover the largest painting in the Netherlands: Panorama Mesdag. Admire the exquisite works of Rembrandt, Vermeer and Mondrian at the Mauritshuis and Gemeentemuseum.


text:
June 30, 2011
Chris Nee Rivals.com Football Recruiting
It's another strong year for running backs in the South Florida area with Florida State commitment Mario Pender leading the way. Rivals.com analyst Chris Nee covers the top RBs in the area, and much more, in this week's Florida mailbag. ...More... To continue reading this article you must be a member. Sign Up Now!
Already a member? Click here to sign in


text:
Search for Used Cars
Car Dealers County Antrim
Find County Antrim used car dealers selling...
Search for Fiat Used Car Dealers in County Antrim
We are currently searching for Fiat car dealers in County Antrim to list on this page.
Please try again shortly or select dealers in another area
The above results shows dealers who retail used Fiat cars and currently have at least 10 used Fiat for sale. It does not mean they are approved by the manufacturer.


text:
With every new holiday season the question comes up, how much should I tip? Here are a few guidelines by job type.
The views expressed are not those of this site, this station or its affiliated companies. By posting your comments you agree to accept our terms of use.blog comments powered by Disqus


text: E Forex: e-Forex Interviews Richard Olsen, Chairman and co founder of OANDA: February 2011, Zurich. The forex marketplace faces many challenges in the future. In this video, taken in February 2011, Richard Olsen lets us share his unique insights and ideas as to the future direction of the forex markets, Oanda and the effect of regulation on the space.


text:
Let's hope it works on Kubuntu 10.04. For the past few releases I can't get the fglrx drivers working. They simply crash xorg or KDE, just before KDM starts.
Phoronix: AMD Catalyst 10.6 For Linux Brings Changes
Apologizes that the monthly Catalyst release news is not near-instantaneous as usual as I had been getting back from Germany for LinuxTag and other business, but Catalyst 10.6 was released today. This June update actually brings some notable changes unlike releases found in the past few months...
Let's hope it works on Kubuntu 10.04. For the past few releases I can't get the fglrx drivers working. They simply crash xorg or KDE, just before KDM starts.
Linux is the future of gaming as it will be taking gaming to the mobile device through various companies. Windows 7 mobile no one wants. Apple is already using linux based products.
So ATI is crazy if they think thy can ignore Linux and being fundamental to their future.
Soooo... why does ATI's download page still show 10.5 in two places, and 10.3 in the "name" column?
Until I see a "Source games don't randomly lock the desktop when run under Wine", I'm not even going to try re-installing my HD5870.
Using a such peremptory tone is risky, especially when you're talking about something you don't know very well.
Horray - the 2D improvements are really long overdue - all other drivers have had well working 2D acceleration for ages.
Guess its time for a phoronix article benchmarking the 2D improvements
(Hopefully not to find out they aren't that great after all ^^)
- Clemens
What about bugs? Did they fix the most incredibly annoying bug (the unminimize delay) ?
Hey nice release ATI. But could you possibly make the driver work next time?
(WW) Falling back to old probe method for fglrx
(II) Loading PCS database from /etc/ati/amdpcsdb
(--) Assigning device section with no busID to primary device
(--) Chipset Supported AMD Graphics Processor (0x9440) found
(WW) fglrx: No matching Device section for instance (BusID PCI:0@2:0:1) found
(II) AMD Video driver is running on a device belonging to a group targeted for this release
(II) AMD Video driver is signed
0: /usr/bin/X (xorg_backtrace+0x28) [0x4a3238]
1: /usr/bin/X (0x400000+0x655ad) [0x4655ad]
2: /lib/libpthread.so.0 (0x7f9f8c7e5000+0xf8f0) [0x7f9f8c7f48f0]
3: /usr/bin/X (0x400000+0x1204b8) [0x5204b8]
4: /usr/bin/X (xf86ParsePciBusString+0x35) [0x480d75]
5: /usr/bin/X (xf86ComparePciBusString+0x2e) [0x480fee]
6: /usr/lib/xorg/extra-modules/modules/drivers/fglrx_drv.so (atiddxProbe+0x8b3) [0x7f9f89453043]
7: /usr/bin/X (xf86CallDriverProbe+0x2bd) [0x47237d]
8: /usr/bin/X (InitOutput+0x345) [0x473795]
9: /usr/bin/X (0x400000+0x26005) [0x426005]
10: /lib/libc.so.6 (__libc_start_main+0xfd) [0x7f9f8b4ddc4d]
11: /usr/bin/X (0x400000+0x25d59) [0x425d59]
Segmentation fault at address (nil)
Caught signal 11 (Segmentation fault). Server aborting
Please consult the The X.Org Foundation support
at http://wiki.x.org
for help.
Please also check the log file at "/var/log/Xorg.0.log" for additional information.
ddxSigGiveUp: Closing log


text:
SALT LAKE CITY, UTAH -- If you (For some retarded reason, i.e. you are just a contrary person, or you work for one of these financial institutions...) do not agree with what I say about the devious practices of Discover Card, below, go read what this organizations says, about what are seemingly illegal practices, done in broad daylight...http://www.bcsalliance.com/x_creditcardtricks3.html
My name is Thomas Anderson and I want to start out by saying no matter what your personal opinion, Discover Financial Services is essentially a white collar terrorist organization, and they are committing acts of financial terrorism against millions of decent, responsible, hardworking, respectful, reasonable American citizens everyday in broad daylight. These are much more than acts of financial terrorism though as they force people to lose their homes, to go without food, to not provide for their children, to postpone basic and/or urgent medical care, because Discover Financial Services has devised a system (And it is not very complicated to do what they do, and see how they do it) whereby they saddle a consumer with a debt that they cannot pay off.
Some people will read this and respond as a minority of people have responded to my many other post all over the Internet and say stuff like: "You should be more responsible", "You shouldn't have gotten the card", "You borrowed the money, just pay your bill". I do not know if these people are just being contrary, playing devils advocate or actually work for financial institutions and are out there representing the other side. To people who say I should be responsible, I have paid every other bill I have ever had, in life, in full and on time, with NO ISSUES - So why not Discover? I have always paid my rent, my car insurance, my car payment, my utilities, my phone bill, my Internet bill, and all other bills on time and in full, why not Discover, curious isn't it?
The answer is that I actually have paid my Discover Card bill. I have a credit limit of approximately $5,000 dollars, granted, I have borrowed this money from Discover over the 10 years I have held the card, but I have also paid the amount back in full at least 6 times (Yes, $30,000 FOR AN INITIAL $5,000 LOAN, and they're not done yet), but that is not good enough for Discover Card - you see with Discover you don't simply borrow money and pay it back at a reasonable rate, this companies gets its claws in you and will not let go, until you have paid at least $50,000 for a $5,000 loan. They'll get you with late fees, they'll raise your interest rate, and they'll get you with late fees by **Moving your payment due date around (Without notification), and then adjusting your minimum payment due (Without notification).
To the people who say, "You shouldn't have got the card", that would be like telling the 99% of Americans in debt to financial institutions, "You shouldn't have got a college loan, it's your fault", or "You shouldn't have got sick and got that medical debt" or "You shouldn't have got upside down in your mortgage", but No One got into debt on their own, or by playing by reasonable rules. The 99% of Americans who have been victimized by financial institutions have been just that, victimized, terrorized, lied to, cheated, robbed, swindled. A crime, many crimes have been committed, in broad day light but nothing is done because it is white collar crime, and many, if not all of these companies have bought political protection, like people used to buy protection from the mafia. No I got a Discover Card with an initial contract at a low interest rate, and like many consumers, Discover Card found a way to more than double my interest rate once I charged money on the card.
I was one of the unfortunate, innocent, naive people who was solicited by Discover Card as a college student. This practice (Of soliciting to college students) was recently banned, unfortunately I cannot be grandfathered into the ban. I was a college student, it was over 10 years ago, and like many college students I needed a little help making ends meet, I did not (AS SOME COLDHEARTED PEOPLE OUT THERE LIKE TO SAY ) splurge on frivolous items, like a big screen TV, or a game system, or a ping-pong table. I, like many Americans saddled with credit card debt, used my card to simply buy food, to eat. I do not buy frivolous things. I am a very responsible consumer.
Actual Complaints:
Discover Financial Services - offers consumers one thing and then when they have you out there holding one of their cards and using it, they alter your contract. And this is something - THAT HAS TO BE ILLEGAL - And I have only seen this with Discover Card. With any other contract I have ever been a part of I not only had to read and agree to terms, but I had to sign and initial the contract and is changes were made they had to be read and initialed. ***With Discover Financial Services they have created their own laws, they have decided that if they bury contract changes in a letter, they supposedly mailed to you (Where is the proof I actually received the letter?) and mind you they will bombard you with letters, and NO ONE reads those letters and all the small print, ***But this is the important point, whether you got the letter or not, YOU AGREE TO CHANGES IN YOUR CONTRACT - BY SIMPLY CONTINUING TO USE THE CARD - So you don't sign anything, you don't acknowledge anything, you agree by buying gas, or some groceries at the store. Apparently the Credit Card companies have invented their own contract law rules. Who needs lawyers?
When Discover Financial Services penalizes you, it is never a 1 penalty situation. Let's say I am late with my phone, insurance, or electric bill - I pay the bill and a late fee (1 reasonable penalty for one transgression). With Discover, not so simple, they are in the "Double Jeopardy" business. You will be assessed a late fee (Penalty 1). This late fee will be added to your balance, which will cause your monthly minimum payment to increase (Penalty 2) and then they will, of course, double your interest rate (Penalty 3 - if your rate was 13%, now it will be 26%) and Discover Card makes a killing, literally and figuratively, white collar terrorism, greed, how much is too much. In fact I wonder how many people Discover has directly led to suicide because they put them in a debt that was impossible to escape, and the people saw no way out, which is exactly how Discover Financial Services, constructs their contracts, it's part of their business strategy, get a hardworking, respectful, responsible middle or lower class American in debt and keep them there at any cost - even when it means their daily practice of breaking (And apparently creating) the law.
Most recently Discover Financial Services decided to change (Without notice) all of their customers payment due dates. Again I have to think this is inherently against the law, as Verizon doesn't randomly change my payment due date, my electric bill is always due on a certain day as is my car payment, my rent, my car insurance, my internet bill, et cetera...but Discover decided to change my payment due date. This led to me (As I am sure millions of other Americans) being late on my payment (Oh Wow! LOOK, instant revenue for Discover Financial Services) - as soon as I and I assume millions of other Americans went late on our payments via Discovers latest scheme, they generated 100's of millions of dollars in late fees...
They hit me with late fees, and, but - here is the genius of it ***I have always paid well above the minimum monthly payment due - say my minimum monthly payment due is $70 I was consistently paying $100 - Unfortunately (Guess who else knew this?! Discover - THIS IS HOW WE ARE ALL PLAYING A RIGGED GAME!!!) so I went late on my payment, because Discover decided to change my payment due date, without notifying me of the change, then they hit me with late fees (Keep paying attention this gets amusing), they folded the late fees into my balance, which increased my monthly minimum payment due - and here is the kicker - my monthly minimum payment didn't go up $10, it didn't go up $20, it didn't even go up $30 (To $100 from $70) it went up $43, because Discover has my payment history right in front of them, and if it only went up $30, they wouldn't be able to catch me with late fees again, when I went in to pay my monthly minimum payment and like most responsible consumers paid over the minimum ($70 and I was paying a $100), but it wasn't $70, and CONVENIENTLY it was OVER $100, because they KNEW I would pay $100, and they knew they DO NOT, and DID NOT adequately inform me or any consumer of these changes, in payment due dates, raises in interest rates, raises in monthly minimum payments, et cetera...so they got me again...late fee, after late fee, because I was not adequately notified, and they raised my monthly minimum payment to just over what they knew I had a history of paying.
***Another cute problem here, I continued to make a monthly payment, on time to Discover Card, of $100, having not been informed of the change in minimum payment, but it is not enough to make a payment to Discover, if you do not make the minimum payment, you are once again penalized for - Not making a payment, Ah! But I did make a payment, and shouldn't it even be my choice, as a consumer, to make a smaller payment, as long as I am paying on my bill every month?!
I informed Discover of these intentions and now they are harassing me. Specifically, now they will not correctly receive a payment from me. I just paid my October payment, over the monthly minimum, of course, on time, of course, REMEMBER I AM OTHERWISE A 100% RESPONSIBLE CONSUMER (Except, apparently in my interactions with this illegal, fraudulent company) But...Discover promptly sent me an e-mail on Monday saying I missed my payment again. When I contacted them, they said the e-mail was incorrect, and that I had made my payment in time and in full, so I asked them to send me an apology and an e-mail containing the correction (Correct info) and was informed that they could not send that via e-mail, they would have to send that via conventional mail. THAT'S RIGHT they will send you incorrect info through e-mail, but the correct info, can't do it.
One more interesting/amusing thing - Discover Financial Services informs me that they do not have a complaint department?! What decent sized business doesn't have a complaint department? I assume the Discover Card complaint department was so overwhelmed the company gave up trying to operate one, and they certainly do not care about customer complaints and this is one glaring sign of their disregard for customer service.
My Desired Outcome:
I have said this to Discover Card numerous times. I simply want Discover to recognize that they have an extremely dissatisfied, angry, disgruntled, activist customer out here, that is much more of a liability to them than I could ever be an asset, ***And I want them to forgive my remaining balance (Approximately $3,500) and send me a letter officially ending my relationship with their company.
Problem: I am extremely dissatisfied with this company.
Solution: We both go our separate ways.
That simple. It is like how every now and then a restaurant has to comp a meal. Well Discover Financial Services are going to have to comp my bill. I must reiterate that I am not trying to weasel out of paying my bill. The fact I have already paid my bill 10 times over.
While Discover Financial Services tried to ignore this situation I will be out here fighting via every avenue imaginable until I find satisfaction and justice.
In closing Discover Financial Services is a White Collar Terrorist organization operating with impunity in The United States. History will look back on them as the criminals they are, and see the acts they have committed for the depravity, greed, ruthlessness, lawlessness, and as the treason that they are.
WILMINGTON, DELAWARE -- Fellow Hardworking American Citizens,
(Have a bake sale, a car wash, sell stuff on eBay, but don't get screwed by a credit card company, like I am gettting screwed (BUT NOW FIGHTING BACK)
My story or a rough cut of a letter that is truly still a work in progress is below, it is being sent to discover, craft your own letter, fight the power, no more 28% interest, no more debts that last 20 years because they are specially formulated to keep you in debt, based on the companies knowing your payment history that is what you are capable of, and hitting you with fees or an interest rate, to keep you in debt, it is IN DISCOVER CARDS BEST INTEREST FOR YOU TO BE SUFFOCATED WITH DEBT YOUR ENTIRE LIFE, no more!!!!make a stand, the time to fight is now...complain on the internet, post your stories, rants, complaints, even if they are rough like mine, you can come back and hone them up later...also file complaints with the Better Business Bureau...et cetera...more below...
My name is Tom Anderson and I am submitting this formal complaint letter to Discover Card. I am a very dissatisfied customer and will also be submitting this letter with adjustments made per the audience to the Better Business Bureau, City, State and Federal business regulatory commissions, consumer advocacy groups, my local politicians where I first became a Discover card holder, and to the politicians where I currently reside, local, State and Federal. In addition I will wage an all out campaign against Discover Card and their unscrupulous practices via the internet. By any means necessary. I will give Discover Card 7 days from my mailing of this letter to address this situation, I will be willing to negotiate, initially, but in the past when I have battled capitalistic, corrupt institutions like Discover Card I have found they do not work with me until they see the full barrage one motivated consumer can wreak upon their business.
I have held a Discover card for over 9 years; I have 99% of the time paid my bill, in full on time. I have made a lot of money for your company. That is over.
Problem # 1
My credit limit is at roughly $5000, you loaned me $5000, how many times do you think I have paid you $5000, for the privilege of that initial loan, and how many more times does Discover Card expect me to pay another, and another $5000 on that initial loan you made to me years ago. Other consumers may pay, and pay, but I am standing up and telling you, you made your money off of me and we are through. I have not even used my card for almost 2 years only made payments and their that debt is unmovable...and not even just the minimum payments, we're talkng 300 dollars here, 500 this month, 150 another month...and the debt stays the same...
Problem # 2 Closely tied into Problem #1
Discover Card has figured out a way based on consumers average payments, interest rate, credit limit et cetera to keep a consumer constantly and permanently in debt. We have all heard the statistics of how long it would take most consumers to logically and reasonably pay off their credit card debt. We have also heard of how many hard working, good, decent Americans are buried in your credit card debt. Enoughs, enough.
The real question is, do you settle with me, or do you allow me to begin my campaign to encourage all consumers to fight and push, and push and litigate, and default, until your company collapses.
Problem # 3
You have consumers agree to changes in contracts, not by signing or even reading (Witnessing) the change but simply by continuing to use their card. So you sell a consumer a Credit Card via an awesome 0%, no payments, incentives, cash back, sales pitch, then mail about thirty offers, junk mail, to the consumers house over the next year but one of those envelopes contains addendums to the original contract, like if you miss one payment not only will you be assessed a late fee (Double Jeopardy Punished twice for the same offense), but your interest rate doubles. How about a late fee or double someones interest, rate, or how about
hey I made my payment, for whatever reason it was a little late, people have logical reasons for being late in life, and so all is forgiven you still get your money and you are still getting 10-13 percent interest on your money, BUT that's not good enough for the fine people at Discover Card, NO, how about my money and 13 percent interest, and a late fee, nope that's not good enough either. Double the interest rate too.
No consumer in their right mind would or for that matter, it turns out, ever did agree to this clause. That clause isn't how Discover Card gets customers. You get em with a beautiful offer. Then send out an addendum to their contract. I would be willing to fight this in court on the grounds that, YES, FOR A CONTRACT TO BE VALID BOTH PARTIES HAVE TO READ, AGREE TO AND SIGN IT. For that matter I might just say that I am not sure I ever signed an agreement with Discover Card, and maybe many consumers didn't. I don't know if I signed my initial contract, it would be easy to find out, but I know I never signed any addendums, concerning raising my interest rate for late payments.
The question is, do I take legal action action against Discover or do I encourage thousands, no millions of consumers to take action, involving many lawyers, in a class action lawsuit against Discover on the validity of contracts, this is just one point among many that could dissolve your and other credit institutions in an instant if this goes to court.
Problem # 4 - And in Closing
I will not pay my Discover Card bill, not now, not ever. Like so many other hard working Americans. Discover card HAS constructed a system to keep consumers in debt. You and other credit lending institutions are unscrupulous. The time for change is NOW. You crossed the wrong guy in this consumer. I will negotiate with you now (Maybe) or within 7 days of you receipt of this letter, but then I pull no punches, and settle for no less than the bankruptcy and collapse of your company, via consumer education, spun into individuals fighting Discover card, turning into class action lawsuits all over the country concerning the validity of contracts and other unfair practices, and turning over accounts and bills concerning overcharges, re-adjustment of interest paid, refunds, refunds, refunds, collapse.
I hope to hear from Discover Card representative soon concerning this issue, if not.
One more thing...recently I made a payment on my card at Sears...Discover card called me a month latter and said I owed them a 2 payments, and a late fee, and they are going to raise (Double) my interest rate, because that's what they do if you miss one payment...well, this is because they didn't get the payment I made...computer error...people error, don't know yet, it's under investigation, just telling consumers this because all Discover Card holders who have ever been assesed a late fee, or had their interest rates increased, should immediately, don't delay, call or email Discover and demand an audit/investigation of your account, it could be they made a mistake, and didn't get your payment, have them turn over the books on your account, before you ever let them charge you a latge fee or raise your interest rate.
Thank You for reading...
If we all stand up to this we can beat it...Democracy?
How can a company this size go BROKE? Ask for bailout money and then charge the American people 25 to 35 % interest on their cards. Its sad but more so SICK to take our money (bailout) and then let us use it at 28% interest..The government should have let them go and just disappear.. the CEO should have been fired and all of the board members with him.
Discover credit card company seeks a piece of the bailout pie
by Malia Spencer
Jan 20, 2009
The Riverwoods-based issuer of the Discover credit card is trying to tap into more than a billion dollars in federal funds by virtue of its imminent transition to a bank holding company. But Discover Financial Services LLC insists that this is no bailout, for it remains healthy and is merely looking to boost its already strong capital.
Discover Financial already has been approved by the Federal Reserve Board as a bank holding company and has received preliminary approval to participate in the U.S. Treasury's Capital Purchase Program, which was launched in October by the government as a way to encourage financial institutions to build capital and in turn make loans to businesses and consumers.
According to Securities and Exchange Commission filings, Discover is seeking to sell to the Treasury shares of preferred stock and warrants to purchase shares of common stock for an aggregate price of about $1.2 billion.
The preferred stock would pay a cumulative dividend of 5 percent annually for the first five years and then jump to a 9 percent annual rate.
Becoming a bank holding company not only allows Discover to apply for the federal funds, it opens up new business possibilities. A bank holding company may own more than one kind of bank, noted Jon Drummond, senior manager of corporate public relations. The company already owns two subsidiary banks in Delaware, Discover Bank and Bank of New Castle. Now it wants to acquire more consumer and business deposits, and, Drummond observed, it could purchase more banks as a way to accomplish that. But he cautioned that the company has not made any statements on what it is planning to do.
However, Michael Kon, an analyst at Morningstar Inc., said he doesn't think the company is in the market to purchase a bank because growth in deposits could be achieved through its existing banks, utilizing its strong online platform.
The Riverwoods company primarily operates as a credit card issuer, but also services third-party payments and offers other loan products. In 2008 the company had net income of $927.8 million, or $1.92 per diluted share, up from $588.6 million, or $1.23 per diluted share, in 2007. The 2008 results included a $135.2 million loss from discontinued operations. Discover sold off Goldfish, a U. K. credit card business, to Barclays Bank PLC in March.
Discover takes deposits at its banks including money market accounts and certificates of deposit. Additionally, the company offers installment loans such as personal and student loans. At the close of 2008 it had $49.7 billion in loans, up 4.9 percent from $47.4 billion in 2007.
Revenue generated from bank deposits are used to finance Discover's credit card and installment loan businesses. At the close of the fourth quarter, which ended Nov. 30, the company had deposits of $28.5 billion. Additional funding for business activities comes from the process of asset securitization, according to the company.
Though profit for full year 2008 was up from 2007 it is still below the level of 2006, which saw net income of $1.1 billion, or $2.26 per diluted share.
Most analysts who follow Discover are advising investors to buy or hold the stock, although there are also two sell ratings. The stock closed Tuesday at $7.01, down 95 cents or 11.9 percent. Financial stocks were hit hard by investor reaction to the government's revised bank bailout plan.
Discover's stock 52 week high was $19.87, its low $6.59.
Kon of Morningstar says the stock has a fair value of $30. He recommends investors consider buying shares at $15 and consider selling them at $60. The stock has Morningstar's highest rating of five stars.
The company is "making the right decisions and I think they are going to perform well once the economy improves," Kon said in a phone interview.
"They made good decisions before this downturn," he noted.
Among those good decisions, Kon said, was staying away from certain geographic areas, such as California and Florida, which have seen the worst of the housing crisis.
Nevertheless, its loan losses increased last year, and Discover greatly augmented its loss reserve.
By the end of 2008 the reserve increased to $1.4 billion, up 81 percent from $759.9 million a year earlier. Net charge-offs for 2008 totaled $981 million, up 44 percent from $677.9 million in 2007.
"The next year will probably see continued increase in loan losses," Kon said. "The environment is deteriorating and they are facing a lot of economic head winds. Credit card volumes are under pressure with the slump in consumer spending."
However, the company's debit card portfolio should remain strong as debit volumes are growing faster than credit cards, he said.
Discover's participation in the federal Capital Purchase Program will strengthen the company's capital position, officials said, while pointing to the company's already-strong balance sheets.
According to the company's SEC filing, Discover Bank and Bank of New Castle exceed the capital requirements of the Federal Deposit Insurance Corp.
On Nov. 30 Discover Bank had total capital to risk weighted assets of $4.3 billion, or a 12.9 percent ratio, in excess of the required $2.7 billion or 8 percent. The smaller Bank of New Castle had $15.5 million, or more than 400 percent compared with the required $279,000, or 8 percent.
The parent company's year-end stockholder equity was $5.9 billion, or 15 percent of average total assets.
The added capital from federal funds can be used to replace the company's previous dependence on the securitization market, which has stalled in the current credit crisis.
Applying for government money makes good business sense in a difficult market, according to some analysts.
Christopher Brendler, of Stifel Nicolaus, said Discover is a prime candidate for government support.
"It doesn't hurt to have extra capital on hand to handle losses," he said.
Other credit card companies, such as Capital One Financial Corp. and American Express Co., have already become bank holding companies, Brendler said.
Shifting to a bank holding company is not expected to alter the company's operations, Discover's Drummond said, but will merely bring in different regulations and bring the company under the oversight of the Federal Reserve.
The Chicago Federal Reserve Bank, which oversees the Midwest seventh district, will supervise Discover as a bank holding company. The Chicago Fed already oversees 975 bank holding companies, said Doug Tillett, vice president of public affairs.
Chicago Fed officials look at a company's risk management, the board and senior management oversight and policies and procedures. Federal regulators will also monitor the holding company's financials such as asset quality, capital, liquidity and earnings, Tillett said.
Receipt of Capital Purchase Program funds will not be the first infusion of federal dollars for the company. Discover Bank has already been to the Fed's discount window and borrowed $1 billion over the course of two visits, once in November and once in December.
However, analysts at Fitch Ratings Ltd. are more reserved in their opinions of a non-banking financial firm's converting to a bank holding company, especially because, they say, stricter Fed regulations may be coming.
"Fitch does not view BHC status as a panacea for the current economic and credit cycle," the firm reported recently. "While BHC status may provide additional protections in the current environment such as capital boosts and debt guarantees, these firms will remain challenged by weakening economic conditions and business model changes."
Discover (DFS) to receive bailout funds
Posted Jan 16th 2009 12:48PM by Brent Archer
Filed under: Good news, Industry, Options, Technical Analysis, Financial Crisis
Discover Financial Services (NYSE: DFS - option chain) shares have moved higher today after the company announced it has received approval for a $1.2 billion in funds under the government's financial sector bailout package. DFS plans to become a bank holding and a financial holding company in order to receive the funds. If you think that the stock won't fall by too much in the coming months, then now could be a good time to look at a bullish hedged trade on DFS.
DFS opened this morning at $7.83. So far today the stock has hit a low of $7.61 and a high of $8.10. As of 11:55, DFS is trading at $7.67, up 6 cents (0.8%). The chart for DFS looks bullish and S&P gives DFS a positive 4 STARS (out of 5) buy ranking.
For a bullish hedged play on this stock, I would consider a February bull-put credit spread below the $5 range. A bull-put credit spread is an options position that combines the purchase and sale of put options to hedge risk in case the stock doesn't do what you think but still leverage nice returns. For this particular trade, we will make a 4.2% return in just five weeks as long as DFS is above $5 at February expiration. Discover would have to fall by more than 34% before we would start to lose money. Learn more about this type of trade here.
DFS hasn't been below $5 at all in the past year and has shown support around $7.40 recently.
Brent Archer is an options analyst and writer at Investors Observer.
DISCLOSURE: Mr. Archer owns and/or controls diversified portfolios of long and short stock and option positions that may include holdings in companies he writes about. At publication time, Brent neither owns nor controls positions in DFS.
Tags: bailout, DFS, Discover Financial Services, DiscoverFinancialServices, Investors Observer, InvestorsObserver, options
Discover just sent out a mass mailing to many prospective clients telling them that they have been 'pre-approved' for 12 months of interest free. The mailing sent a certificate of pre-approval and said that you can go online to mydiscover.com for an instant approval. I went, completed the information, and waited to receive my 'online response'. Instead, the site directed me to sign up for 'free trials' for protecting my identify and credit checks. It did NOT give an option to 'exit' this information. I called the number on the response and the agent told me that I was denied credit with discover. I asked her 'why' I received a 'pre-approval' and why I didn't get my 'online response' as indicated in the letter. She told me that Discover obtain my information from a Major Credit Bureau which indicated I met the criteria discover was looking for in a customer, however, she said that after running my credit they found that I did 'NOT' meet the criteria they were interest in for a customer. I told the representative that I will take my $250,000 household income elsewhere and that I will 'never' be interested in an account with discover since I do not meet their criteria. My family has a good payment history and we will stick with our CitiBank, American Express, and HSBC cards. I asked her to 'remove' my name from any future offers that that I do NOT want to ever receive a card from them. I also told her that they need to fix their website to now try to 'trick' a 'rejected' client from signing up for something an offer they have when that client hasn't even been approved by them. I feel this is VERY SNEAKY' on their part and we should have laws against this type of marketing!!!
My two cents: Do not do business with discover! They are very selective on who they want as a client and try to trick those rejected for credit into signing up for something thinking they have been approved!
Have a nice day all!
SALT LAKE CITY, UTAH -- I have been a Discover card holder since 2001 while enlisted in the United States Air Force.
They have been quite helpful in the past, until a slew of recent events involving Discover Card and there account managers have put my relationship with them in serious jeopardy. I understand I am among thousands that have had issues with them and I know that my problem is no more important than the next person. Discover card has led me on, they have called me a liar, and they have charged close to $200 dollars to my account in which they refuse to refund.
Allow me to elaborate..
Back in Sept. 2009 my vehicle was broken into. I lost close to $3000 in personal belongings as well as my personal banking information. I called the police and opened an investigation as well as received a police report. A couple days later I closed my bank account and opened a new one. I had my Discover Card account set up to debit money monthly out of my account. After closing my bank account I started to pay Discover Card through my new account manually because I knew they could no longer be paid through my old one. For about 4-5 months I paid Discover Card $50 a month until I got my life back together. I was never late on payments during this time. Around mid to late December I realized my account balance was going up not down. I knew something was wrong because I was paying almost $20 over the minimum payment. What I found out was that Discover Card was accepting my $50 payment and then charging me a $39 returned Check fee because they were attempting to debit my closed bank account. I called to explain to them what was happening and they handed me off to several different people who were all unwilling and seemed in no way interested in helping me. I explained that this was a screw up and that my records show that I have been paying monthly and that they were still trying to debit an account that was closed. I simply asked that they refund the money from the Return Check charges. They said for me to pay $90 dollars and to call back once I did. So on the 8th of January I paid as requested and about a week later I called back. I explained that I had done what I was asked; now I would like to get my money refunded. They quickly started to hand me off to different account managers that all said they could not help me. During all this they made it very clear that they did not believe my story. I was pretty much called a liar. I have a police report and I can get any information they require from the bank but they were not interested. They took my monthly payment then proceeded to Charge me a $39 fee for returned check because they could. In no way did they attempt to call or inform me of any problem. I was treated very disrespectfully! I was called a liar, and after 2 hours of phone calls and a letter to Discover Card they refuse to help. They have absolutely zero integrity as a financial institution and they treat their clients/patrons like dogs.
I was given the address to their complaint department because they don't want to take phone calls from angry patrons to whom they rip off. In my letter I again explained to them that all I want are my fees refunded to my account. They sent me a letter back saying that they received my letter and that they are missing information, they wanted me to call back so they can get the required information to complete their investigation. However, upon calling they informed me that the only reason they wanted me to call is so that they could tell me that they will not be assisting me with my problem. So again they misled me to believe they were willing to help and again they showed there true colors.
The only thing that will resolve this issue is a refund of all fees taken from my account from Sept, 2009 Feb. 2010.
Let me preface my review by stating that until this incident, I had been an advocate of the Discover card. I was laid off in February of this year and hadn't secured employment. In April, I contacted Discover regarding my account to see if there was any assistance they could offer regarding my monthly payment. The representative I spoke to was quite helpful; or so I thought at the time, and advised me she could place a 'freeze' on my account, which would not allow me to use my card for 6 months, and pay a lower interest rate so more of my monthly payment would go towards the principle. Since I am a firm believer that if something sounds to good to be true, it usually is, I asked and verified several times that if I did this, after the six month period the card would then automatically be reinstated without penalty. I ended the phone call on this premise.
Time past and in September I thankfully acquired employment. I contacted Discover to let them know I no longer needed the account to be frozen and was advised by the representative to just ride out the six months at the lower rate. I was again reassured the account would be reinstated at the end of the six month period.
I waited until November which was the end of what I thought was the six month period and contacted Discover regarding to make sure my account was reinstated. I was advised I had to wait until November 30th exactly because that would make the exact six month mark. I did so. When I called Discover back, much to my dismay, I was told they would not be reinstating my account and it would remain as suspended. I went back and forth with the representative on the phone who advised me during the time my account was frozen, policy and procedure had changed and they reviewed accounts and individuals credit reports prior to reinstating them. The representative stated I had too much outstanding debt and Discover would not reinstate my card at this juncture in time. All this despite the fact that I had no issues paying the same monthly payment I had always paid, had never been late on a payment, and had an account in good standing with them for close to ten years. I requested to speak to a supervisor because it is my understanding that if a new policy or procedure is set forth, it cannot be backdated or applied to issues that existed prior to the implementation of the policy. Also, I was never told of any review or redetermination at the inception of my agreement with the initial representative. I was told the supervisor was out to lunch and I would have to wait up to 24 hours for a call back. I did so, and when the supervisor called me back I simply got a reiteration of what the representative had said. No consideration, no assistance, nothing. Even when I stated I was seriously considering either closing my account, or seeking legal assistance, my statement was met with indifference.
I still don't understand how they can implement and apply a new policy without notifying their customers. As I stated to both the representative and the supervisor, if I would have been told at the beginning that my account was being suspended and I would have to be subject to a review at the end of the period to determine if my account could be reinstated, I would have NEVER agreed to freeze my account as I was told initially.
It is a shame that in today's society, we are so dependent on credit, credit rating, credit worthiness. We are gravitating more towards a money-less society each day without realizing the implications it brings with it. I'm not sure how; if at all, this review will help anyone. All I can say is wary, be very wary of credit card companies. These are my three cents.
Discover card will not work out a reduced payment plan. Over the last few years I had major surgery, was out of work for 8 months, and had physical restrictions for one year at work. The company I work for was later sold and a 5 year pay freeze has occurred with no future increase. At this point I joined a debt settlement law group to work with paying off my credit cards.
Discover refuses to negotiate with them or even me. I was put into collections soon as the debt settlement group contacted them. Its an endless circle with Discover. They will not accept or negotiate a lump sum payment (that is available at this time). They will not even contact me to negotiate. My other credit cards are working with the program.
I am an older person with mild disabilities - where I still work but loose about 4 intermediate days unpaid a month. Help!!!
I had a auto ship set up with a company, that's another complaint, but Discover had my account set up for an auto ship. So I'm having trouble cancelling the auto ship. So, I canceled the card number and have a new acct. number set with Discover. this is at least six before the next $277. Auto ship is to be sent out, all good right, no acct. number no auto ship.
I heard from Discover in about 10 days of getting my new number, with a letter in the mail saying that I will need to contact any companies that I my have automatic payments or companies that I may have an auto ship set up with. It said, so as long as I do not give this company(Visalus) my new account number there will be no more $277 auto ship because they're not going to send it out without being paid first. But Discover let them charge to my new acct. number without my permission.
So, the product comes, Discover charges me, I send this product back the next day un-opened, but after three months of investigation by brilliant people at Discover, they say the shipment was justified and I owe the Visalus company $277.for something that should never have been charged to my acct. Plus, I sent the product back un-opened, and yes I will cancel my Discover card, as much as these people say they care, they really don't.
Jeff from South Dakota
SALT LAKE CITY, UTAH -- We took out a loan with Citibank for my son's freshman year of college. My son ended up dropping out for medical reasons. We set auto payment through Citibank and first payment was late. They reported us to credit union. Shortly after Citi sold loans to Discover Bank. We made our payments on time and in July of 2012, we decided to pay down the loan. Bill said amount to pay and we spoke to an agent to get full amount. We made the total payment we understood to be the payout amount. Now in October we started getting numerous calls from an 800 number, which everyone knows are either sales calls or someone annoying. They finally left a message and I called them back. Evidently we owed them $270 more because interest was continuing to rack until they received our full payment. No one left a message or sent a bill and we thought this loan was paid. The harassment at all hours of the day and night was relentless and unbearable. We felt that it was not fair to come after us for such a small amount when we were not told about it until know. We said we would not pay it so the operator threatened us with credit report and that the so- called account would continue to accrue interest damaging our credit and that they would continue to make phone calls until we paid this small amount.
These banks sell loans to each other and you have no choice in the matter. The operators at Discover are trained to harass, coerce and say anything to get you to pay what they say you owe. This experience was a nightmare and dealing with them was like dealing with automated airheads who say they will do an investigation of all taped phone calls only for another uniformed operator to call back within the hour. DO NOT use Discover for any banking, loans or any financial transactions of any kind. They are incompetent idiots and worse the poor people who they train to harass you have no power to help you. Additionally, no supervisors were ever available. I highly recommend against getting involved with this institution, or do it at your own peril. HORRIBLE!!!!!!!
SALT LKE CITY, UTAH -- Discover Card Legal Dept.
P. O Box 30421
Salt Lake City Utah 84130-0421
Attention: Supervisory of phone negotiations.
This letter is to inform you of questionable practices of phone negotiations which have possibly resulted in the violation of truth.
An agreement was reached in a telephone negotiation for debt settlement on the account of myself (the client). In that agreement I (the client) agreed to direct electronic payment which has been in effect for at over a period of years to this point. In addition several additional payments have been made outside of the agreement to assist in a rapid settlement of account.
Upon receiving statements with an interest rate of 28.99 % I (the client) phoned several times to negotiate a no interest applied rate to decrease the payoff time of the debt. I (the client) was informed this would beonly possible based on past good faith practices (PRACTICE PROVIDED) and as myself (the client)would be receiving an adjustment to interest on further statements. This was stated in conversation with two separate rep's at Discover and presumably approved.
This was a proposal offered in original agreement, if good faith payments were applied, a no interest payment plan would be considered.
I (the client)find these practices to be unclear to either your staff or organizational levels of understanding as to authority, to grant conditions or modifications of agreements, all while offering assurances to clients actions are duly noted and applied to account. FRAUDULENT and/or IN-APPROPRIATE
For a considerable amount of time I (the client) am receiving an interest rate posted at 28.99%
I (the client) request or demand by clients rights, that the account be researched for participating rep's, recorded conversations, call communication logs, notations to account, etc. seeking proof of conversations and actions as promised.
It is expected this matter will be researched and resolved immediately.
I (the client) await your immediate findings as I (the client) believe Finance Center rep's have violated the truth, of individual authority to negotiate, approve, rectify or modify agreements on these matters.
Letter submitted threetimes NO REPONSES.
This letter forwarded to CA State AT&T Gen Offices and FDIC.
They only back Banks not consumers


text:
Small Bowel Cancer - After Treatment [1]
ON THIS PAGE: You will read about your medical care after cancer treatment is finished and why this follow-up care is important. To see other pages, use the menu on the side of your screen.
After treatment for small bowel cancer ends, talk with your doctor about developing a follow-up care plan. This plan may include regular physical examinations and/or medical tests to monitor your recovery for the coming months and years.
ASCO offers cancer treatment summary forms [3] to help keep track of the cancer treatment you received and develop a survivorship care plan once treatment is completed.
People recovering from small bowel cancer are encouraged to follow established guidelines for good health, such as maintaining a healthy weight, eating a balanced diet, and having recommended cancer screening tests. Talk with your doctor to develop a plan that is best for your needs. Moderate physical activity can help rebuild your strength and energy level. Your doctor can help you create an appropriate exercise plan based upon your needs, physical abilities, and fitness level. Learn more about the next steps to take in survivorship [4], including making positive lifestyle changes [5].
The next section offers a list of questions you may want to ask. Use the menu on the side of your screen to select Questions to Ask the Doctor, or you can select another section, to continue reading this guide.


text:
Hi: 11° Lo:1°
BOOZE fuelled fights, falls and overdoses were largely responsible for more than 100 calls made to paramedics in the first five hours of the New Year.
Staff at West Midlands Ambulance Service received 108 emergency calls from Worcestershire between 12am and 5am on January 1, with a further 46 calls made between 8pm and midnight on New Year's Eve.
In comparison just 40 were made in neighbouring Herefordshire over the same nine hours.
The service as a whole received 638 calls in the last four hours of 2012 - a 15 per cent increase compared to the same time last year.
After midnight, the number began to increase more rapidly to an average of five 999 calls every minute. A large proportion of them related to alcohol-related incidents.
Chief executive Anthony Marsh said it came as 'no surprise' it had been one of the busiest nights of the year for the service.
"It is a year in the planning for which as many staff as possible work through the night to ensure patients get help when they need it the most," he added.
"The way in which the service deals with this traditionally busy night is a tribute to all the staff and volunteers who work through the night, often without the chance of a break.
"I am very proud of my staff and volunteers who gave up their night to ensure the safety of everyone in the West Midlands, regardless of whether or not they spent the night celebrating the coming of the New Year."
But police recorded 14 per cent fewer 999 calls in West Mercia on December 31 and January 1 compared to the same period the previous year - although the volume received was similar when taking into account non-emergency calls.
Between 7pm on New Year's Eve and 7am the following day, there were a total of 536 emergency calls across the force area which peaked between 2am and 3am when there were 102 calls - equating to one every 36 seconds.
A spokesman said: "However the number of calls made to the police overall was roughly the same. This is attributed to greater use of the non-emergency number 101, which was introduced in West Mercia at the end of 2011 and advertised nationally, leading to greater public awareness of how to contact the police in non-emergency situations."
1 M42 smash saw car slide on its roof for 100 metres
2 Parking fury as bailiffs move in to Mount Pleasant
3 Redditch man wanted by police
4 Disabled mans bedroom tax story shocks minister
5 Create a Save Our Services banner
A CAR was dumped after thieves stole the
A REDDITCH band will be taking on the
A NEW health advice telephone service is set
THE RISING number of cases of norovirus have
A REDNAL man has been jailed for ten years after ...
Visit the Worcester Observer website for the latest.
SIR Kenneth Branagh revealed how as an unknown 17-year-old in ...
EVESHAM will play host to the only Diggerland adventure theme ...


text:
Santa Barbara Instrument Group (SBIG)
SBIG - for ST-7/8/9/10/2000/4000 camera
This adapter mates the ST-7/8/9/10/2000 cameras with popular 35mm camera lenses for wide field imaging. Adapters are available for Canon FD, or Nikon. Note: Canon FD lenses are manual only ... Learn More
Model#: CLA-7
$165.00 -
SBIG - for ST-7/8/9/10/2000/4000 camera
This adapter mates the ST-8300 camera with popular 35mm camera lenses for wide field imaging. Adapters are available for Canon FD, or Nikon. Note: Canon FD lenses are manual only ... Learn More
Model#: CLA7-8300
$165.00 -
SBIG - 1.25" Filter Insert for FW5- & FW8-8300
1.25" Filter Insert for FW5- & FW8-8300 It allows you to use your 1.25" filters in place of 36mm
... Learn MoreModel#: SB10105
$24.00 -
SBIG - 1.25" T-Thread CCD Camera Nosepiece
These T-thread nosepieces screw into the female t-threads on ST cameras ... Learn More
Model#: 51516
$49.00 -
SBIG - 10-position 1.25" Filter Wheel without Filters for ST-7/8/9/10/2000 (also "SA" version for ST-402/1603/3200 and third party cameras)
The new CFW10 is a ten-position filter wheel designed for the USB version of our ST camera series or any camera where a serial port is available for controlling the wheel.
... Learn MoreFREE SHIPPINGModel#: CFW10(48 States)
$995.00 -
SBIG - 12V Cigaratte Lighter Adapter
The adapter includes battery clips and a cigarette lighter adapter plug. The tip is correctly polarized for SBIG cameras requiring a center negative plug.
... Learn MoreModel#: CA-ST402BATTERY
$54.00 -
SBIG - 12VDC Extension Cable
The SBIG Power Extension Cable for ST Cameras extends the cord from the power brick to the camera by approximately 8 ft (2.44m).
... Learn MoreModel#: 51726
$89.00 -
SBIG - 2" Nosepiece
These T-thread nosepieces screw into the female t-threads on ST cameras.
... Learn MoreModel#: 50146
$49.00 -
SBIG - 5-position 1.25" Filter Wheel with Custom Scientific RGBC Filters for ST-7/8/9/10/2000 Cameras
The CFW9 will be essentially the same size and shape as the current CFW8A to match the ST series camera body when directly bolted to the front ... Learn More
FREE SHIPPINGModel#: CFW9_RGBC(48 States)
Regular Price: $995.00
Special Price: $895.00
SBIG - 5-position 1.25" Filter Wheel without Filters for ST-7/8/9/10/2000 Cameras
The CFW9 will be essentially the same size and shape as the current CFW8A to match the ST series camera body when directly bolted to the front
... Learn MoreFREE SHIPPINGModel#: CFW9(48 States)
$795.00 -
SBIG - AC Power Supply 12V/3A
This 110-220VAC to 12VDC supply is a replacement for the power supply that is included with the ST-402ME camera. The polarity is correct for this product (center pin positive) and the plug has a locking ring to hold it in place.
... Learn MoreModel#: 60010
$69.00 -
SBIG - Adapter Plate for CFW-8 to AO-8
Adapter Plate for CFW-8 to AO-8 ... Learn More
Model#: 51853
$79.00 -
SBIG - Adaptive Optics - AO-X
The SBIG ADAPTIVE OPTIC AO-X is a new large aperture AO for the STX and STXL cameras. It requires the FW8G-STXL Filter Wheel or STT-STXL Remote Guide Head and OAG to operate the AO-8X.
... Learn MoreFREE SHIPPINGModel#: AO-X(48 States)
$2,195.00 -
SBIG - Adaptive Optics accessory for STL (also compatible with dual CCD models ST-7/8/9/10/2000)
The smaller AO-7 Adaptive Optics accessory was designed for the CCDs in the ST-7/8/9/10/2000 cameras. It is not recommended for use with the larger format STL series cameras ... Learn More
FREE SHIPPINGModel#: AO-L(48 States)
$1,795.00 -
SBIG - All Sky Camera (Color) with Fisheyed Lens
The Allsky-340 is a monochrome camera and the model 340C uses a color CCD. These are SBIG's third generation, weatherproof, AllSky cameras for monitoring weather conditions.
... Learn MoreFREE SHIPPINGModel#: ALLSKY340C(48 States)
$2,495.00 -
SBIG - All Sky Camera (Color) without Fisheyed Lens
The SBIG AllSky-340 All Sky Camera monitors weather conditions by incorporating the SBIG Smart Guide Camera inside a weatherproof enclosure that is topped by an acrylic dome
... Learn MoreFREE SHIPPINGModel#: ALLSKY340C-NFL(48 States)
Company's philosophy is to listen to customers. With your input and our efforts we have a winning combination. We look forward to continuing development of instrumentation to benefit the field of astronomy and science education.
SBIG (Santa Barbara Instrument Group) has brought together a group of unique individuals, each with years of experience in his or her particular discipline. People with this much expertise can accomplish a great deal when they share a common goal. The goal of SBIG is to design and manufacture the best astronomical instrumentation in the world, professional quality equipment at a price an amateur can afford.
SBIG's company's philosophy is to listen to their customers. With your input and our efforts, they have a winning combination. SBIG's is looking forward to continuing development of instrumentation to benefit the field of astronomy and scientific imaging.
In most high technology markets there are "pioneers", companies who have the technology and dedication to influence the direction of an entire industry. In the past 10 years SBIG has been that pioneer in the electronic imaging industry. SBIG has a reputation for outstanding quality products. They were the first company to introduce CCD autoguiding with the Model ST-4, Track and Accumulate (TRACCUM) with the Model ST-6, and dual CCD self-guiding with the Models ST-7 and ST-8. SBIG pioneered tricolor imaging with both hardware and software and are pushing the technology forward again with the introduction of Adaptive Optics and a stand-alone video camera and autoguider. Along the way they were granted two U.S. Patents, one for Track and Accumulate and the other for Self-Guiding.
Of more significance to customers reading this catalog for the first time is that SBIG has brought back to life the long forgotten practice of offering quality "technical support". The company philosophy, as published in the ads is based on ".. .basic values, good products, strong technical support and honesty". They can help you take photographic quality CCD images, measure the surface brightness of a spiral galaxy, image a comet, or obtain high resolution densitometry images of x-ray plates. They can help you obtain long, uninterrupted autoguided astrophotographs. As stated in SBIG's ads, "We understand how our products work and we want you to consider us a part of your technical staff". If you want to deal with a company that understands CCD imaging and will take the time to help you, contact SBIG.
The introduction of Charge-Coupled Devices (CCDs) has dramatically changed the methods astronomers use to view objects. The remarkable sensitivity and dynamic range of CCDs has made them the detector of choice. A CCD is an array of photosites (pixels) on a silicon substrate. The pixels are arranged in rows and columns. Light falling on the CCD is recorded as an electrical signal by converting the photons to electrons. The sensitivity of a CCD is ten times faster than the fastest films and is linear in response (which films are not). The number of photons converted to electrons, referred to as Quantum Efficiency, is in the order of 50%. These advantages as well as the digital nature of the data make CCD devices ideal for astronomical imaging.
Santa Barbara Instrument Group
147-A Castilian Drive
Santa Barbara, CA 93117
Phone: (805) 571-7244
Fax: (805) 571-1147
Email: firstname.lastname@example.com


text:
Knicks Tickets
After a decade of underachievement and fan unrest, there is renewed life in the Big Apple as the New York Knicks are a force to be reckoned with in the NBA again. Be courtside at Madison Square Garden for any game on the 2015 Knicks schedule with a little help from GoTickets.com — where a wide selection of Knicks tickets are always available.
New York Knicks Schedule
Get Email Updates on
New York Knicks
Knicks Ticket Info
The Knicks begin a new regime under team president Phil Jackson. The legendary head coach assumed the role in March and will look to turn around a franchise that has struggled mightily over the last few seasons. During the '13-14 campaign the Knicks finished a disappointing 37-45 and failed to qualify for the playoffs. It will be very interesting to see how the off season unfolds. It remains to be seen whether or not Carmelo Anthony will return to the Big Apple or if he can lure more talent to Madison Square Garden.
Don't miss a minute of action at Madison Square Garden when you order New York Knicks tickets from GoTickets. We have a great selection of seats for every game on the New York Knicks schedule, so don't wait, order your Knicks basketball tickets today!
GoTickets.com has you covered with tickets to every NBA game this year, as well as the 2015 NBA Finals, and NBA All Star Game. |
Eastern Division | ||
Atlantic |
Central |
Southeast |
Boston Celtics | Chicago Bulls | Atlanta Hawks |
Brooklyn Nets | Cleveland Cavaliers | Charlotte Hornets |
New York Knicks | Detroit Pistons | Miami Heat |
Philadelphia 76ers | Indiana Pacers | Orlando Magic |
Toronto Raptors | Milwaukee Bucks | Washington Wizards |


text:
Don't Have an Account? Join the IHG® Rewards Club
Redeem when you want, for what you want.
Reward Nights
When redeeming points for a Reward Night, you may only book one room at a time.
Once you complete your Reward Night reservation you will be given the option to duplicate this reservation.
* Requires affiliation in the respective organization.
** Best Available Rate Search does not include affiliation rates.
To book more than 9 rooms for one stay or request a quote, please use our Easy Meetings tool, call 1-800-MEETING (in United States, Mexico and Canada) or contact a Global Sales Office.
Friendly staff welcome you into the Holiday Inn Cardiff City Centre's contemporary Lobby, conveniently situated just 10 minutes' walk from Cardiff train station. If you're driving, you can reach the hotel with ease via the nearby M4 motorway and make use of our on-site car park.
You're just minutes away from Cardiff's commercial View More
You're just minutes away from Cardiff's commercial and retail centres at Holiday Inn Cardiff City Centre. Up to 150 of your colleagues can be welcomed to a conference in one of 11 air-conditioned meeting rooms, and you can stay connected with wireless Internet.
Savour a buffet breakfast and plan your day, asking our helpful staff for sightseeing tips in the Welsh capital. They'll also welcome you back to our elegant restaurant for a tasty evening meal and a cool beer in Callaghan's bar.


text: 148 min | R Paul Thomas Anderson follows up Oscar nominated masterpiece THERE WILL BE BLOOD with this controversial film about a charismatic intellectual known as "the Master," who creates a faith–based organization in an attempt to provide meaning to his life following the horrors of World War II. His right–hand man, a former drifter, begins to question both the Master and his beliefs as the organization gains a fervent following in America. Oscar winner Philip Seymour Hoffman and Oscar nominees Joaquin Phoenix, Amy Adams, and Laura Dern lead an all–star cast in one of the year's most highly anticipated films.


text:
There are no items in your cart at this time.
Buy 3, Get 1 FREE: SAVE on All Feetures & Thorlo Socks! — Shop Now —
Select your desired product options and we will notify you when it is back in stock.
The New Balance W890 BG3 Blue/Green Synthetic/Mesh Women's Running Shoe is built to meet the demands of world-class runners, the 890v3 brings peak performance to every run. With REVlite midsole and an ABZORB crash pad plus a comfortable, seamless upper, it's lightweight and fast, mile after mile.
New Balance W890BG3 Blue/Green Synthetic/Mesh Women's Running Shoe
Features include:
I was very surprised when I picked up the box, I was worried the shoes were missing inside due to how light the box was. These shoes are very light, I'm excited to run in these! These run just a little bit small so I'm going to return and try the next size up.


text:
Main Content
- Body: 60% Cotton, 40% Polyester
- Contrasting, team-colored stitching
- Front pouch pockets
- Full-zip hoodie
- Lining: 100% Polyester fleece
- Made in China
- Officially licensed
- Raised rubber NHL team logo graphics at left chest and back
- Ribbed cuffs and waistband
Special event items are produced by manufacturers only after the outcome of a game
or event. These are advanced sale items and will ship immediately after they are
received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items
are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite
number, and/or designs. Some options may be limited by league rules.


text:
On your mobile? Click here for free downloads.
Home -> Software -> Applications -> Travel
Full Version
FREE MOBILE LOCAL SHOPPING TOOL - Search 250,000,000 products from your favorite local stores across the USA. New - WALMART, TARGET, SEARS, MACYS AND BEST BUY. Also, personalized Shopping List and maps!
Uploaded: January 13, 2009
41,125 downloads
Free Trial/Demo
Mumbai Local is an Automated Mobile version of Railway Time table i.e Local Train Timetable for Western, Central and Harbour Railway Mumbai.
Uploaded: January 8, 2010
46,411 downloads
Full Version
Trackut is a location based streaming service that will help users create location oriented groups, network with friends and share location tagged data. Trackut streams a variety of information to the mobile users
Uploaded: January 13, 2009
124,243 downloads
Free Ad-supported
PhraseBook turns your phone into your own personal interpreter, which lets you communicate with the locals without any previous language skills.
Uploaded: April 22, 2009
20,944 downloads
Free Trial/Demo
Easy to use dictionary for your mobile phone. It supports English - Malaysian, Malaysian - English. Fast offline dictionary, Provides over 45.000 words, Works on all Java phones.
Uploaded: August 6, 2009
55,038 downloads
Full Version
Introducing MeraMobi; an intuitive, intelligent and easy-to-use application. Now Book tickets, Pay Bills, Access News, Track Stocks, Find Jobs, Catch Cricket Action, Get Bollywood and Page3 buzz, and Check your stars (Astrology). Anytime, Anywhere.
Uploaded: November 6, 2009
42,075 downloads
Free Trial/Demo
A magic mobile Chinese dictionary, to translate your mobile camera snapshot.
Uploaded: May 28, 2010
14,201 downloads
Free Trial/Demo
Japanese language trainer. Contains 6000 words and 2000 kanjis.
Uploaded: May 28, 2010
21,403 downloads
Free Trial/Demo
Japanese-English dictionary. Limited version for 1MB JAR size.
Uploaded: May 28, 2010
12,220 downloads
Free Trial/Demo
Trippo sets new standards for communication in foreign languages! Translate any given phrase and get it spoken in seconds! Trippo supports now more than 30 languages, more than 20 of those in audio. Nomore language problems in English, French, SPanish, Italian, German, Russian, Dutch, Japanese, Chin ...
Uploaded: July 27, 2009
255,719 downloads
Find software compatible with your Motorola V270
Receive email alerts for new Motorola V270 games and apps!


text:
ValerieLos Angeles, CA - USABest I've Ever HadI'm an extreme make-up enthusiast. I've bought every kind of mascara one could think of! And because of that, I've bought just about every single waterproof eye make-up remover as well! Let me tell you that I have never been so pleased! I used to use the Neutrogena waterproof eye-make up and that worked like a charm, except it left my eyes oily, inside and out. This product not only effectively removes the make up, but leaves my lids and surrounding areas extremely soft and supple. The most important part, THEY ARE NOT OILY! I highly recommend this product to everyone under the sun that wears water proof mascara! :Dposted Dec 19, 2009Link to this post
CarmelaCant Live WithoutThis is the best makup remover ever made nothing out there has ever removed my eye-makup better I actually use it all over my face to remove not only my eyemakup but any left residue on my face it lives the eye area & my face so soft and smooth I simply love this!!!!posted Oct 1, 2009Link to this post
JoanneUtrecht, The NetherlandsGreat Stuff!I live in the Netherlands and I bumped in to this stuff in a regular drug store. I never used any eye make up remover before because it would usually sting my eyes or make them very greasy. I wasnt particularly looking for a make up remover but I bought it because I saw it had cornflower in it, which is very calming and soothing. Just what I needed for my sensitive reddish winter skin. It does indeed remove make up perfectly well without making my eyes sting or greasy,which is a first for me, but I actually use this on my whole face and guess what? No more red skin!posted Nov 26, 2007Link to this post
LynneDenver, COThis One's The Best!I used waterproof mascara, and while I have aleays used the Regular Klorane, I saw the waterproof one on your web site & decided to give it a try. Well, this product really works!! I just put a dab on my finger, rub in in gently and remove with a kleenex. Its the first product I have ever used that completely took off the mascara and did not burn! I have very sensitive eyes and also wear contacts so I am very happy to write thisd review! If you wear waterproof mascara this ones perfect for you...If you dont, try the regular Klorane, it the best on the market.posted Nov 4, 2007Link to this post
LyndiDon't Waste Your MoneyProduct does not come in a tamper resistant packaging AND does not remove the makeup.Huge waste of $10.Save your time and money, dont buy this product.posted Jul 24, 2007Link to this post
LolitaWashington, DCUselessI tried to use this with my waterproof mascara, and I ended up rubbing my eyes out! Not worth it. Go and buy more expensive ones, because theyre worth the price.posted Aug 29, 2006Link to this post
TammySt. Charles, ILNot PleasedI hoped that this would remove waterproof mascara without leaving a lot of oil in my eyes, making me blink all day. Not only is that a problem with this product, but it really doesnt remove mascara easily; you have to work on it for a lot longer than with other waterproof removers.posted Mar 30, 2006Link to this post
PamMinnesotaLove This StuffBy far the creamiest make up remover I have ever used on delicate eye tissue. Will definitely buy again.posted Jan 24, 2006Link to this post
GailFloridaOne Swipe Does It!While shopping in a Montreal drug store - I love their products - I overhead a store clerk tell a customer that this was the best eye make-up remover in the world!! My sister overheard the conversation too and bought it on the spot. I procrastinated and after trying hers, I realized it was the best product on the market. After searching the internet I found the product, ordered it and am truely happy it arrived on time. Now I can boast that I have the best eye make-up remover on this earth!!posted Oct 28, 2005Link to this post
AucoinNew YorkSuper ProductI travel to Paris often and Im very glad to see this product being sold in the states. This is a great product and all of Kloranes products are wonderful. It is a general line, not an exclusive product. Meaning it is found in Monoprix (Paris), and other retailers that are compared to Target and Right Aide. However, the best thing about locating Klorane products on this site is the price. It is very reasonable and not over charges like other web-sites offering this product. I can say this because I know the actual cost in Paris.posted Aug 23, 2005Link to this post
Write Your Own Review
Have you tried this product? Help out by sharing what worked (or didn't)!
Write a Review


text:
Jerome Russell's Punky Hair Color
Lola G.CanadaHairDark BrownFine or Thin HairChemically Treated HairJerome Russell Has Never Seen A FlamingoThe color stays forever, is bright and beautiful, but when I bought a "flamingo pink" I expected a pale orangy pink, not a strong magenta. I recommend to check the color in google images before buying it.
Anyway, before applying this I used Manic Panic and I can say that Punky Color stays way longer and stains less.posted Nov 12, 2014Link to this post -
Devan C.HairLight BrownNormal HairMy Worst ExperienceI have dyed my hair multiple times before but my usual brand was sold out so I got this one, the violet was much darker than the picture and the blue lagoon is much lighter and comes out green. I've never had this much of a problem with color and am now trying to wash these colors out and figure out what to do with my damaged hair.posted Jun 29, 2014Link to this post
MichelleHairDry HairChemically Treated HairAmazing Color And Very NourishingYesterday was my first time using this brand of hair color. It's the best I've tried so far. I mixed plum and violet and go the most perfect purple color I could wish for. It's just as bright and deep as I was hoping. Purple is a pretty tricky color to get and last time I tried with splat it was pretty much pink. My hair has also taken a lot of damage and it isn't perfect yet but punky color did a great job of helping it. I'll definitely use this product again and try more colors.I'd recommend it to anyone.posted Apr 6, 2014Link to this post
CamillaHairGreyNormal HairDry HairGreat Product, But Inaccurate Color DescriptionsAbsolutely love this product in Flamingo Pink. It goes on evenly, it gives a bright color, and it lasts with no bleeding onto fabrics and skin. Unfortunately the other two colors I've tried (Apple Green and Purple) are completely mislabeled. Apple Green is far more of a light turquoise once all is said and done, and Purple is merely Flamingo Pink without the brightness. I did find that using Purple and then layering Flamingo Pink over it a few days later results in a beautiful color with a little more depth than the plain Flamingo Pink though.
I personally don't follow the instructions on the bottle. I put the color on dry hair, leave in for at least an hour, then rinse, shampoo, and condition in cold water. I continue to use cold water for washing and conditioning daily, and after a week I re-color. Once I do this a few times, the color stays very little fading for at least a month (unless I switch to hot water). I've never had any bleeding onto my clothes, pillows, towels, etc.
When I've dripped color onto the counter or onto my skin when applying, I use a diaper wipe immediately and it completely removes the color. If the colors sits there for a few minutes, it will stain but within a day or two of using a regular cleanser/soap the color is completely gone. I've had no issues with staining the tub or sink while rinsing, either.posted Mar 28, 2014Link to this post -
Cam L.MontrealHairBlackCurly HairThis! Much Better Than Manic Panic!i used to allllways buy manic panic colours. i ran across these and decided to give them a try. i bought turquoise and aquatic blue, they're amazing! the colour was great. but the most amazing thing is that they don't bleed at all! it says on the bottle that it will, but it was just a tiny bit, with manic panic it looked like i had killed someone in my bathroom after taking a shower! love this!posted Nov 5, 2013Link to this post
BrittanyVancouverHairDark BrownColor Treated HairLove ItGot great results with punky color, bright vivid red, didn't last as long as some red dyes iv used but this one DIDN'T STAIN EVERYTHING. Would recommend to anyone wanting to try something fun.posted Sep 28, 2013Link to this post
Ealasaid H.United StatesHairDark BrownFine or Thin HairCame Out Great!I'm a newbie to hair coloring -- aside from a little bit of "let's cover up my stupid premature gray streaks" work in college I haven't ever dyed my hair, let alone an awesome color.
But hey, I have short hair now and live in Portland, OR where bright hair is pretty normal, so I decided to take the plunge. A local friend with WAY more experience than me helped me out. I bleached my hair the day before (taking my salt-and-pepperish dark brown / gray hair to a fairly solid blonde, see the "before" pic), then she came over and applied about half the jar of Apple Green Punky Hair Color to my hair. She built a neat hat thing out of saran wrap to cover my hair and keep it warm/damp, and I left it in all afternoon AND overnight.
When I rinsed my hair in the morning, it looked AMAZING! (See "after" pic. It doesn't quite do the color justice, but my cameraphone is what it is. At least it gives a general idea!) The green is really bright and has gorgeous depth to it. LOVE. IT. This would be perfect for someone cosplaying The Joker.
It does smell a bit weird -- sort of like Kool-Aid, even several days after the dye was applied. Weird.posted Sep 20, 2013Link to this post -
JackieHairMedium BrownNormal HairCurly HairGreat Product, Wrong ColorI ordered this in the color violet to do the tips of my hair. I had previously done blonde ombré but got a haircut(about an inch), so the ends of my naturally brown hair were still a dirty blonde color. I didn't bleach my hair before applying this to reduce damage and just try it out. I left it on for about 45 mins. It turned out really nice just not the color I was expecting at all. The color chart on Folica is very very off; it made the violet look more purple than it actually is. Violet is actually very blue toned and darker then just regular purple. It's not a huge problem but if you're going to be buying this I would recommend referring to the color chart on the Jerome Russell website and not on here to get a more accurate color choice. I've washed my hair about 5 times and it has faded a lot but it's still noticeably purple and looks nice. I'm predicting I will get at least 5 more washes in until it's completely washed out.posted Aug 29, 2013Link to this post
JaymiJerzHairMedium BrownNormal HairGreat S%#!I've tried almost every brand of crazy color hair dye and Punky is by far the best! It lasts the longest, easiest to clean up (Mr Clean Magic Erasers..OMG!) and smells fruity. Its also cheaper than most funky brands retailing arounf $12/bottle...and Folica has the best deal on it at $8 & change per tub.posted Jul 27, 2013Link to this post
GabsUnited StatesHairDark BrownNormal HairChemically Treated HairLagoon BlueI have to apply two coats for the color to look nice otherwise it just looks green=(
I Put it on top of Plum and had a peek-a-boo style and got a lot of compliments on it. Overall i liked Lagoon Blue except for having to apply the color twice.
the color lasted pretty well in my hair as well ( not washing daily)posted Jul 24, 2013Link to this post
Write Your Own Review
Have you tried this product? Help out by sharing what worked (or didn't)!
Write a Review


text:
Click on the product image to view enlarged.
General-purpose check for laser or ink-jet printers, helps you keep track of check totals and itemization for purchases and payroll. Quality meets and exceeds all specifications required by the American Bankers Association. Guaranteed acceptance by all financial institutions. Compatible with Quicken, QuickBooks and Microsoft Money Detached Check: 8-1/2" x 3-1/2" Sheet Size: 8-1/2" x 11 3 Panel sheet, check on top; blank middle and bottom voucher panels Can be customized with a designer typestyle, stock logo and custom message over the signature line