text:
AUSTIN, GEORGIA -- All the money was stolen from my card $890.00 on 05-12-20012. 2 days before this happened my account was blocked so I called customers service and was told that somebody has been calling in on my account and they askedd if it was me and I said no and that the person was 1 digit off and so that's why they blocked my account OK good. Then I was told that I had to send over documents to the fraud department. I asked to speak to the fraud department then I was told that I could not speak to the fraud department because the fraud department does not speak to customers directly I could only fax them or email them. I emailed them the documents that they had requested and then they unblocked my account. OK the next morning Casey M. Rumph transferred $890.00 from my account to there account I received a text telling me this so I immediately called Netspend to let them know that I didn't do this transaction and I need the money put back into my account. Well Casey had made a transaction of $705.23 and they put $184.77 back on my account now I had to go to the claims department to dispute the transaction so that I could get my money back.
Now here is where the problems come in why was it that when my account was blocked the first time and I called in and askedd to speak to the fraud department I was told that they do not speak to customers directly I could only email or fax them, but now that my money is stolen I can speak with the fraud department? The fraud department the ordered me a new card, changed my pin number, and my security question. Now that my money is stolen and I have to wait 2 weeks 10 business days its OK to speak with the fraud department?
When I finally did speak with the fraud department I askedd them this same question then I was told it is up to the customer service person to determine if they will transfer you to the fraud department or not. That is crazy and a policy that needs to be changed immediately because if I was allowed to speak with the fraud department when this fist happened and they blocked the account I would have changed the information then and they would not have been able to steal the money. My account being blocked and I had to send forums to the fraud department should have been enough cause for me to speak with the fraud department then also and this nightmare would not have happened.
Your foreign customer service is the worst I have ever experienced very hard to understand English, rude will only answer question that they want to ask not the questions that you asked them.
I have been a Netspend customer for many years and have quite of my friends that use Netspend because I told them about it, and this is the worst experience I have ever had with any company. I hope you will straighten this matter very soon and I hope to here from you soon and get this matter resolved.
I have had NetSpend for a few months now. With the economy I do not trust banks, so I was refuse to take my checks to a bank. I have been ripped off not once, but twice by a huge banking corporation and honestly was a bit stand offish about using NetSpend. Being a tattoo artist, I was making too much money to carry around in my wallet and after having my house robbed about a year ago, I don't trust leaving anything too valuable in my home. I was talking to one of the artists I work with about giving him some money to put on his card so that I could order this really nice tattoo machine online. He pulled out his wallet and showed me his NetSpend card and said "Why don't you go buy one of these from HEB? They are like $5 and its free to put your money on them. I've had mine for about 2 years and have never once had a problem." So during my break I went to go buy one and was actually disappointed at first when I found out that any transaction would cost me money, but then I was offered one of the spending plans that is only a little over $7 a month (which honestly is not that big of a deal). They have to make money to stay in business. I was more happy with that plan. I then created my account and found out all of the great things that a lot of other banks never offered me. Like you have the option of receiving a text message every time there is money spent on your card. I thought it would get annoying but its actually reassuring. It literally tells you what time, where, and how much was spent. So if you are actually able to track your card down if you really wanted to. The texts come in immediately after you swipe the card. Also you are given an option of free direct deposit, which most banks charge you a fee for. The company also gives you an option of free bank transfer. Which is awesome because if you have a bank and you have money there, but you want to use your net spend card, there you go. Honestly the main problem with the bank I was going with was that my card would get stolen, and I'd be in debt even though I reported it stolen the moment it got stolen. They would still allow my account to be open. NetSpend deletes the card as soon as you call them. Also I love that you can't possibly get any overages. That saves me a lot of money. Sure I don't have extra money that isn't mine to spend if I need it, but I don't get into debt. There are a lot of great things about NetSpend that I haven't mentioned, but you get the point. I feel safe with NetSpend mainly because of the texting option. I don't think I will go with another bank as long as NetSpend is around.
AUSTIN, TEXAS -- My name is Clayton Chambers. I work for the Federal Trade Commission and the goal of my company is to take class action against companies whom we deem as fraudulent or who seem to Misrepresent themselves or who are crafty with their Deceptive business practices in scamming consumers unknowingly. However, multiple consumers must call and make claims as we do not act on individual complaints, we rather look for trends and patterns in law violations and report them to our investigators and detectives who then take action against the company in question. I have reviewed all the complaints on this website and they are all about the same issue regarding Netspend. I defended this company on numerous occasions when filing complaints for consumers across the country telling them that it is the merchants fault when in actuality it is Netspend's wrong doings. I have recently found this out the hard way.
I am sorry for everyone who sees this that has at least attempted to contact the FTC in regards to your debit cards being wiped clean for no apparent reason or having your funds disappear in a matter of hours. For example I checked my account at 9:30 in the morning and by lunch which is at 2:00 Pm Eastern Time my $100 + dollars had been taken off. They said that I had used it at a Gas station for 5 Dollars and an ATM withdrawal for $80. If I'm not mistaken 80+5=$85, so where the hell are my remaining funds. Also I have attempted to provide them with Timecard records for the day in question to show that I did not make those transactions and they denied them. Netspend corporation has repeatedly made unauthorized transactions that I did not approve or in some cases did not even have the funds available for. Upon calling the institution in which they inform you that they will transfer you to their supervisor only to place you on hold for a lengthy amount of time and come back on the line only to try to deceive you with a different dialect than the previous agent. (The same person who said he would transfer you to a supervisor IS the same agent even after he states that he is the supervisor) I have caught several agents trying to dupe me into thinking I'm speaking with a higher authority and I am not. They had little to say after they were caught. Although my disputes only amount to about 200-250 dollars, the times that they have made these unauthorized transactions came costly as I was taken to court for bills that were not paid due to their negligence. I have read some claims on here were people have lost hundreds or in some cases thousands of dollars.
I urge everyone to contact the Federal Trade Commission at 1-877-438-4338 and report this company so we can take action against them. The purported purpose of class action lawsuits is to give the common man the ability to take on the largest corporate or private entities (who can afford the very best legal services) and have a chance of redressing the wrong done by these entities. It is important to remember that even though the actual damage or cost to the individual class member may be small, the illicit gain to the corporate entity can be huge if done to hundreds or even hundreds of thousands of class members.
AUSTIN, TEXAS -- Good Morning My name is Aaron Christopher Marshall Sr. and I am a Connecticut native residing in Huntsville Alabama. I hope my email reaches the recipient and their interests in the riches of good health and happiness. My reason for this correspondence is to make an attempt to alert consumers during the holiday season about a company that does not stand by their product and has internal issues as it relates to security and safety of your personal funds and or money. I have become a victim and want to empower others before the get duped like my wife and I have. On October 27th and 28th I purchased two pre paid Net Spend load packs from Walgreens' in Huntsville Alabama. What my wife and I did not know prior to paying 307.80 for both cards was the fact that we had to request a debit card from Net Spend to load the funds on to. Once I paid the 307.80 I had to wait a few days for the debit card to arrive to my place of residence. I received the Net Spend debit card on Thursday October 30th, 2014 and proceeded to call the Net Spend number listed to load the 300.00 onto my debit card. The 7.80 were fees for the purchase of both cards. What would happen next would truly and literally blind side my wife and I. Both cards were already loaded onto another Net Spend account without our authorization. Net Spend has chose to implicate the customer in having to do something with the theft of these cards. What I have gathered from this incident is. Whoever has stole this money has to be an internal employee of Net Spend. An employee within the Mid Level or higher management team who can oversee any and all inquiries of issues of this magnitude and nature. I have spoke to an employee of Net Spend named "Billy ". Mr. has informed me my money has been loaded onto another Net Spend account and there is nothing he can do concerning this theft of my funds. I was informed to contact the Huntsville Police Department concerning theft of funds with an online banking company. The person who can steal this funds would have the capacity to control all avenues and areas of the investigation process without being considered a suspect in the theft of funds of their customers. I have filed several complaints and have contacted businesses who partner with Net Spend to inform them of what has happened to my money and the stand the company has not chose to take. I have emailed several departments within the Net Spend umbrella and one employee continues to be the only person I can speak to and make contact with. Mr. has more or less informed me my money has been stolen and has been applied to another account within the Net Spend accounts. My question was why can't you suspend the account the money was loaded on and proceed to inquire to the person owning the account how did he come into possession of another customer's money and or funds. When one person is privy to all avenues of the investigation process of funds stolen one would have to make an informed decision to believe the person stealing the money can very well be the same person managing all avenues of the investigation process. I was told know matter who I contact within Net Spend all communications will be reviewed on his desk. I am urging all who will listen to inform consumers of this practice before they experience what my wife and I have experienced. My wife and I were traveling to Connecticut to see our oldest son and spend time with family. This has been very stressful on my beautiful wife and I. We do not have 300.00 just to blow in the wind. I am saddened the company would take the standpoint and implicate me. Please ensure all of your consumers are aware of this companies practices. There is no constructive way for this money to have been stolen other than a Net Spend internal mechanism having the ability to cipher the funds without the customer's authorization and or approval. Net Spend is a subsidiary of TSYS of Columbus Georgia. I have contacted the offices of Mr. M. and his subordinates concerning this very deceptive scheme taking place within the scope of his Net Spend Company. I have filed a complaint with FBI Internet Crimes Complaint Center, The Texas Watch Consumer Outlet, The Texas and Alabama Attorney General and still working on other avenues to uncover this very deliberate and organized scheme against consumers of Net Spend and or their business partners. Thank you for any and all consideration to inform customers prior to purchasing this pre-paid load pack. Please do not allow your consumers to experience what I have been dealing with since the 30th of October. I cannot sleep, eat or think straight knowing somebody can simply take your money and there is no cause and or action you can take to recover your funds.
Aaron C Marshall Sr.
4102 D South Memorial Pkwy
Huntsville Alabama 35802
AUSTIN, TEXAS -- I had paid my wife's insurance premium using my NetSpend card.
My wife had an accident and totaled the vehicle. We canceled our insurance policy and they refunded our policy payments retroactively to the date of the accident. The insurance company sent 2 refunds to the card they had on record (NetSpend). One on Thursday and another on Friday. A day later my account was frozen without notice or explanation.
When I called customer service (and I use that title very loosely because they're third world country customer service representatives are barely understandable) they told me that my account was frozen due to fraud activity. Insinuating that I had committed some type of fraud.
They also told me that I can have my insurance company take the money back and send me a check. This would release my other funds I have available on the card. So, I called my insurance company and they told me there is no way to cancel a refund once it has gone through and accepted. They also told me that the card company can reverse the transaction on their end. But NetSpend reps claimed they are not able to do that, which is a blatant lie.
I have a merchant account and I know first hand that transactions can be reversed by the bank or the merchant.
The representative asked that I send them proof of the transaction. I immediately complied and sent them documentation from the insurance company. This was on Saturday afternoon. They told me once they receive the documents it may take up to 8 hours to unfreeze my account and release my money.
I printed out the documentation from my insurance company. I faxed the paperwork over to the number they provided me with. I received confirmation that the documents were received. In addition, I also emailed the same documents to the email address they provided me with. All emails were confirmed received.
There was never any response from them that night. I called on Sunday and asked for a Supervisor. The phone representative avoided getting a supervisor by stalling and putting me on hold for 15 minutes. They did the same on Monday, Tuesday, and Wednesday. I have been placed on hold several times, for upwards of 40 minutes each time. I have document these phone calls for future reference. The company's customer service tactics are proof that this is a criminal organization who intentionally refuses to help their customers and attempts to defraud them of their money.
Unfortunately, I have given up after spending so much time trying to rectify this matter and have gotten nowhere with these people.
I now believe the money has been stolen and I am forced to take legal action against NetSpend and Meta Bank.
In addition, I will be filing a criminal complaint with the New York State Attorney Generals office as well as the Office of the Comptroller of Currency.
After reading about so many customers who have been robbed by this company I have come to the conclusion that the defrauded customers should file a class action lawsuit against these criminals.
Certain situations in life pushed me to open a prepaid card with Netspend, which I immediately regretted due to the ridiculous unnecessary fee charges here and there that most legitimate financial institutions/crooks don't charge. You're looking at 3 dollars to upload money, 5 to 10 dollars monthly fee for allowing you to use your debit card anytime, anywhere (accept for at an ATM), without incurring extra charges, you're again looking at fees for removing more than a certain amount of money from your account each day, meaning if you have to pay rent and need to withdraw a large amount, you better plan ahead... and so on and so forth. After a while I became used to the fees and learned how to make my card work for me. Yes, it's not going to be as convenient as an account with a legitimate bank (no atms, can't withdraw money whenever you want unless you go to another providers ATM and allow yourself to be subject to their fees, can;t transfer money as easily.. etc), but if you pay attention and stay one step ahead then your Netspend account can work in your favor (which is way more work than a card is worth). For a while I didn't have any issues.. until..
THis past month on 06/30/2011, for the first time in two years, I received an over draft fee. I have text alerts, and was not alerted that my account was in the over draft zone. I couldn't believe it, so I contacted customer service and explained my stance on the issue, and let the agent know that I do not regularly have this problem, so I should receive a convenience refund. Yes, I do feel that I am entitled to receiving my fee back. Well, this agent immediately started with the "I'm sorry Ms. ****, but we cannot refund the fee as we can prove the text was sent". I was infuriated because instead of understanding my stance, this little mind warped customer service agent was treating me like I was trying to rob the company, when in fact the company had robbed me. I explained to her that I have not received an over draft fee charge to date, and have been a loyal customer, so I should be refunded this charge, which again led the agent to apologize and say I shouldn't receive the refund. I asked for a supervisor, and guess what folks, I was on the line waiting for 40 minutes before one came on. I think their game is to drag you out and frustrate you into submission. Once a supervisor came on, I again explained my issue and said I was not notified. See, my logic isn't that I should receive a refund because I was not notified, my logic is, and I explained this, that I have been paying ridiculous, absurd fees to this parody of a legitimate company for about 2 years, and have not complained once, and now that I am requested the service be returned to me as a loyal customer, these people, whose paychecks my fees pay, are holding onto my money and making it theirs without a second thought. The supervisor said she would place me on hold and contact some other department to check if I could get the refund.. about 20 minutes later she came back and said "Ms. ****, I apologize but we have decided not to give you the refund because we feel too many customers call and take advantage of our policies by asking for refunds.. OH, I am SO glad we were not face to face, I would have given her the look to end all looks.. I couldn't believe the hypocrisy in her statement. I reminded her that she worked for the company and did not own it, and that in all actuality the company robs its customers.. wow, I felt like I was being crushed by some weird totalitarian company that just didn't care. The nerve of her response, wow. I said, yet again, that I had been loyal to the company and could not believe the way they were treating this issue. Of course, the companies defense was their terms and conditions.. how convenient. While still trying ot reason with this woman, she abruptly interrupted me and said she was sending me to another supervisor.. so I waited AGAIN for 30 minutes for this new supervisor.
So, let me wrap this up by saying nothing happened in my favor. Also, they misinformed me about how the over draft fees work. Before my check came in, a company went into my account and took a 17 dollar payment. My check went in two hours later, and Netspend also refused to credit me that over draft fee, which is complete and absolute robbery. They said this was because I never paid the other over draft fee (the one this story is about), so they charged me another over draft fee despite the fact that my check came in two hours later, which meets their "less than 24 hours" guidelines. This company may seem all la-ti-da because they give you a 10 dollar lee way when your funds run out, and because their over draft fees are only 15 bucks, but really, they compensate by charging millions of customers ridiculous and unnecessary fees here and there, and refuse credits left and right.
So, basically they did not honor me as a customer, despite all the bullcrap fees I have paid in the past, they did not make me feel appreciated, they robbed me again by misinforming me and charging me another over draft fee, even tho the charge was covered less than 2 hours later, they kept me on hold for a total of an hour and a half, and discouraged me completely. How is that for customer service? Over draft fees are not this black and white problem. I am a human being who is giving my money, time and energy to this card. I use it everyday and put my trust in it, how dare they treat me the way they did. It makes me sick.
This simply isn't a good company, hence the outsourcing and the miscellaneous fees all over the place. No bank is a saint, but there are banks out there that will not charge over draft fees, and will prevent their customers from being debited while their accounts are vulnerable. Use Google to locate banks without over draft fees. Unfortunately for me, until I find something new that doesn't mind my credit I am stuck with this creepy company. I will keep my eye on my account so I can avoid ever having to communicate with customer service again. This company keeps a thick wall between the customer and it's true financial implications, meaning you as the customer is on one end, and their true priorities are on the other. This company is capable of functioning as your bank, but it is by no means trustworthy.
I can't imagine what you people with unauthorized transactions go through.. bless your hearts.
Dear CardHolder,
We truly apologize for the problems you have experienced with our customer service and overdraft program.
This level of service will not be tolerated and we would like the opportunity to address the representatives that you have spoken with. Rest assured that we are going to do our best to come up with a good resolution to better assist you and all our valued cardholders.
Our overdraft service is a program that needs to be opted-in to before it is active. During the time of enrollment, you must agree to the terms and conditions which states when the overdraft fees will be charged.
We do appreciate your loyalty and we would like to assist you with your concern. Please send us an email at email@example.com and we will get back with you.
If there is anything else we can do to assist you, please do not hesitate to contact us via email or call customer service at 1-86-NetSpend (1-866-387-7363).
Thank for you for choosing NetSpend.
AUSTIN, TEXAS -- I don't believe it is safe for anyone to use Netspend for any of their direct deposits such as employer paychecks, SSI/SSDI, state or government disability checks, or retirement checks; nor do I believe it is safe to deposit large sums of cash to be used for purchases with the use of a Netspend card, as you may not have money credited back into your account for up to 3-4 months once you have reported a theft or unauthorized transaction(s) from your account to Netspend.
I also do not believe that Netspend operates like other large credit card carriers or banking institutions, such as providers like Wells Fargo, which immediately replaces stolen funds back into your account while they investigate a theft or fraud that has occurred with your account. Netspend leaves you hanging with no monies left in your account at all while they do their own investigation, and then pass it off to another company like Visa who can then take up to 30-90 days after Netspend has strung you along. Mortgage companies, landlords, car payment companies, and utility companies don't care about your personal lose of funds, and apparently neither does Netspend. Netspend also doesn't care if you are unable to feed yourself, as once your funds are stolen you have to wait for up to possibly 4 months before funds may ever be returned to your account. You could end up on the street and/or without a car and food before the matter is resolved. You as a Netspend customer will not receive funds that have been stolen from your account for a very long time, period. Consumer Beware. Especially, in these hard economic times where people have lost their credit cards and are now relying on companies like Netspend to fill the void.
We all seem to lull ourselves into a false sense of security where large credit card companies are concerned, and believe me when I tell you that companies like Netspend will NOT do the right thing while your life is turned upside down. This may be because the company doesn't have to follow the same rules that major credit card carriers have to, but the then again Netspend preys on persons who may not be able to get a bank account for one reason or another, and I believe that they have a niche market with disabled, and low income persons. Yes, I think Netspend targets (preys on) the customer most in need of credit card services and/or check cashing services, but they fail to tell the customer (except perhaps in tiny-tinny print) that their monies from SSI/SSDI or any other income source will not be immediately credited back to their account once they have been stolen from their Netspend account, until the matter is investigated by Netspend, and then Visa. The recovery process with Netspend is very long and you need to have other income sources to pay for faxing services (if you don't have a computer and fax machine), and a Public Notary fees along with any fees associated with mailing documents to Netspend. I don't believe that Netspend has the proper safeguards in place to protect your funds, which you may have entrusted with them. So be careful...your money could disappear for a very long time before any matter is resolved with Netspend. For persons with no other income source once your SSI/SSDI or other paycheck is deposited, and then stolen from your Netspend account you may be facing a situation that does not include a home, food or vehicle in your future.
Please read what is happening to me before you make the same mistake as I did.
Netspend is not repaying $1,500 of my funds, which I had deposited in cash into my now canceled Netspend account (card). This all started well over a month ago, and Netspend has been dragging their feet with their Dispute Resolution Center (DRC) by requesting documents about two-and-half-weeks had elapsed from my initial report regarding my card number theft (not the card itself). They requested a signed affidavit stating that I did not participate in any of the unauthorized charges; and did not authorize the use of my card number by anyone else to use for stolen purchases I had reported to them back in February. They also wanted a police report filed. Netspend should have asked for these documents the same day that I reported the theft, not weeks later. Now I have been told that they will turn the matter over to Visa who will conduct their own investigation, which will take anywhere from 30-90 days in order for them to respond to the theft/fraud that occurred. This means that if I ever see my money ($1,500) again, it could be well over three-months and maybe up to four-months since I first reported the theft on February 26, 2010.
On March 19 I sent the documents that Netspend had requested, which was a notarized affidavit (cost me $10.00, plus a $2.85 for delivery with proof of receipt of delivery confirmation) and the police report. They received this on March 23, 2010, however when I spoke with them on March 24 I was told that they had not received the documents even though I had proof of delivery. I have been told that I may still be charged a $50.00 fee if I ever get my stolen money back. I don't know what this fee is for as I reported the theft in less than 12 hours while the charges were still pending. Netspend monies may be given back to me once Visa has resolved the case on their end, and maybe not or I least that is what I was told by Netspend. I wasn't told how long Netspend had to submit the documents to Visa, which I sent to them over a week ago, as they claim even though I have proof of delivery from UPS, that these documents were not received at the Dispute Resolution Center (DRC).
I am beginning to believe that even though the personnel at the Netspend DRC are very polite and nice on the phone that their job is to ensure that matters like this do not take priority. What does take priority is recruiting new customers and making persons like me sit through prerecorded messages that encourage me to sign-up for direct deposit of all my paycheck or government checks and thus use Netspend for all of my banking needs, and transactions. Trust me when I say I want to vomit, and I have contemplated the possibility of placing a loaded gun in my mouth for entrusting such a large sum of money to a company like Netspend, but at least I still consider myself fortunate enough to have a working phone in order to call Netspend every few days to hear these nauseating prerecorded messages: These messages help remind me what an idiot I was for depositing $1,500 cash on a Netspend card to begin with. To date I have now incurred a total $1,522.80 in lost monies. I also had to pay $9.95 for a new card at Netspend as I had monies being charged back to the stolen, (now canceled card) from stores that owed credit back to me. The funny thing is, is that one of the customer service persons at Netspend actually suggested that she lift the cancellation on my stolen card number and deposit these funds owed back to me on that stolen card number, as I had expressed an extreme lack of trust in use of my old card, or any Netspend card ever again. I didn't really want to activate the new Netspend card, and then have monies stolen again, since we don't know how the original $1,500 was taken from my card to begin with. So, let's see...I guess we just add more funds back to the stolen card where the card number has already been reported as stolen, and reactivate it so that the thieves can take more of money from my account. WOW. I guess customer service is not aware of any anti-theft procedures or why it continues to happen. Did these persons in customer service at Netspend go through any anti-fraud or theft avoidance training? I can't believe that they did, especially after that conversation. Frightening!
Here is the initial report filed with Netspend:
I noticed two unauthorized charges on my credit card account with NetSpend on the morning of 2/26/10 at approximately 3:30 AM (PST), and immediately canceled my VISA card ending in the numbers XXXX. The VISA credit/debit card ending in XXXX was used twice in order to make unauthorized purchases in Seattle, WA (college area) on the evening of 2/25/10. However, NetSpend reports the charges occurred at 18:06:09:0 on 2/26/10 at BEST BUY in Seattle, WA where an unauthorized charge for $900.00 was made with my credit card number, and 18:06:14:0 at TARGET in Seattle, WA where another unauthorized charged was made for $600.00 with my credit card number. My credit card was in my physical possession when these unauthorized charges were made. At no time have I ever lost or misplaced my VISA credit card number ending in XXXX. I did not lend nor allow the use of my VISA credit card (XXXX) by another person nor authorize the use of my card number for someone else to make the aforementioned unauthorized purchases in Seattle, WA nor did duplicate or authorize the duplication of my Netspend or any credit card.
Best Buy's Consumer Relations Department was able to tell me that the $900.00 charge placed on my NetSpend card at this Best Buy store (#470), which is located at 330 NE Northgate Way, Seattle, WA 98125, was used to purchase a total of three Best Buy gift cards for the amount of $300.00 each. I attempted to call this store all day yesterday, but the circuits were busy according to an automated message from AT&T, and I was never allowed to reach this store so that they could possibly have these fraudulently purchased Best Buy cards canceled before they were billed to my account or at least hold the security tape for the police to review. I did not authorize nor allow any other person to make this purchase or transaction at Best Buy.
I was unable to find out anything about the other unauthorized transaction at Target for $600.00, as Target Consumer Relations Department said they would not deal with anyone who had a problem with a unauthorized third-party credit card transactions used at any of their store locations, and advised me to be contact my credit card company which I had already done.
I noticed the two unauthorized charges on my credit card account with NetSpend on the morning of 2/26/10 at approximately 3:30 AM (PST), and immediately canceled my VISA card ending in the numbers XXXX. I called NetSpend on 2/26/10; they explained that a dispute report would need to be filed. The VISA credit/debit card ending in XXXX was used twice in order to make unauthorized purchases in Seattle, WA on the evening of 2/25/10. However, NetSpend reports the charges occurred at 18:06:09:0 on 2/26/10 at BEST BUY in Seattle, WA where an unauthorized charge for $900.00 was made with my credit card number, and 18:06:14:0 at TARGET in Seattle, WA where another unauthorized charged was made for $600.00 with my credit card number. My credit card was in my physical possession when these unauthorized charges were made.
Best Buy's Consumer Relations Department was able to tell me that the $900.00 charge placed on my NetSpend card at this Best Buy store (#470), which is located at 330 NE Northgate Way, Seattle, WA 98125, was used to purchase a total of three Best Buy gift cards for the amount of $300.00 each. I attempted to call this store all day yesterday, but the circuits were busy according to an automated message from AT&T, and I was never allowed to reach this store so that they could possibly have these fraudulently purchased Best Buy cards canceled before they were billed to my account or at least hold the security tape for the police. I did not authorize nor allow any other person to make this purchase or transaction at Best Buy.
I was unable to find out anything about the other unauthorized transaction at Target for $600.00, as Target Consumer Relations Department said they would not deal with anyone who had a problem with a third-party credit card used at any of their store locations, and advised me to be contact my credit card company which I had already done.
At no time have I ever lost or misplaced my VISA credit card number ending in XXXX. I did not lend nor allow the use of my VISA credit card (XXXX) by another person nor authorize the use of my card number for someone else to make the aforementioned unauthorized purchases in Seattle, WA nor duplicate my credit card.
My question is, who except thieves buy large amounts of gift cards in the spring? Best Buy employees and Target employees must have failed the same anti-fraud training (if any was provided) that the Netspend personnel did. I have been told recently that cash cards are great for retailers, as they always get paid. I have also been apprised that persons who want to sell stolen cards, apparently on web sites like eBay benefit from the use of cash cards as well. Amazing, the slimy world we live in. Is there a special spring Christmas or Christmas type holiday that occurs in spring, which I am unaware of? Netspend thought the purchases $300.00 each for gift cards in February was appropriate, so I guess so. Who knew.
Firstly, we want to apologize that your card number was compromised and your funds were stolen. This is a situation we do not want to see any of our card holders in, but understand that it does happen. Each claim is different so it is difficult in determining an exact time frame of when your claim will be resolved (We hope it has been resolved by this point.) You definitely did everything possible on your part to get in the necessary documentation and by blocking your card. We try to resolve our disputes as quickly as possible and apologize that you have had to wait so long. We are considered a financial institution but we are not necessarily a bank. For this reason we are not always able to issue money back right away while the investigation is done. In our terms and conditions we list the 50 liability and charge this fee because NetSpend will pay this out of its own pocket, it is not actually money that we win back. We truly hope your dispute has been resolved at this point and thank you for your patience with us.
If you have any questions feel free to call us at 1-866-387-7363.
NetSpend Corp.
AUSTIN, TEXAS -- I've been a long time happy as hell Netspend user for over 3 years now, I have a short temper but I gave this company the benefit of the doubt many time..
First problem was them holding charges back for almost a week and then slamming my account with all of the past purchases I made that entire week, I hadn't had time to check my account periodically all the time so I relied on my phone to text me my balance, I hadn't notice my final text I got was an old balance I had so I made a few more purchases thinking I had a good amount of money left.
Then I get slammed with all of the last week's purchases made and end up in the negatives..
Now I have this problem today 'TODAY 11/25/09' the day before thanksgiving, Netspend is closed, There's no customer service to contact, no one to talk to in technical support, your directed over the phone to go to Netspend.com and see what help you can get there, and the website is totally down, I mean the entire domain is like shut down as if it doesn't exist anymore, I'm currently scared all of my funds are done for and I'm going to be in for a fight to get my money from a company that can pretty much vanish without a trace at any moment.
I'm going to make some attempts at mailing them hopefully my funds are available before the mail get to them, I'm going to also track their bank down and contact them.
I'm also reporting this to the BBB.
It's as if they all took a vacation and have forgotten real people have real money on these cards, I just got paid and I'm relying on that money to gas my car up so I can get to my family, if I can't go anywhere I'm going to be FURIOUS!
Then on top of that my car needs maintenance, I will literally lose my job if I don't show up Friday due to no gas!! These people need to seriously find a way to let people know they are going to be experiencing some problems and allow us time to pull some funds out before they go down..
I'm feeling hopeless at this point. they have literally crippled me financially, I'm looking around for a real bank account now, I didn't want to have to deal with the fee's and all the mess so I went with this company but if this is what I got to go through HELL NAW!!
The Netspend Website appears to be up and running now and everything looks in place. i'll call this resolved, however if it happens again i'll be back on here or wherever my complaints are welcomed.
MILWAUKEE, WISCONSIN -- Trying to get a bill paid due to bank account not being in order. I purchase the Pay Pal debit card. I put 50 bucks on it to cover the bill. I call to activate the card and I get asked maybe about a 4 to 5 times my address and SS.
Finally I get a customer service agent who lets me know that I need verification credentials in order to activate. OK.. not so bad, but after faxing in some info.
I called back to check for activation as I had sent everything they needed to verify me. I got in touch with an agent after the same vetting process that I received earlier. The Agent states that they were unable to see my SS card due to the fax (which was fax from my workplace so I know that it shouldn't have been horrible quality) So I sent two more faxes with a brighter resolution just in case so there would be no issue. I wait their 8 business hrs and call back to check and the agent tells me this time (after the same crappy vetting process) that there is problem due to the difference in my current address and my old address on my DL and I will need mail to verify my current address. So I faxed mail, a bill from AT&T that has my address and name on it. Called back after another wonderful 8 business hrs only to find that the mail wasn't good enough and I needed an actual bill, which it was. Hold on it gets better folks, after re sending via fax numerous times I give them the weekend to square this. I call them and this time they are not receiving my faxes now. I sent these documents over 10 times and they can't locate the info. All I want to do is pay a bill. They have all my current info but they still can't activate my card meanwhile I got 50 bucks I can't spend and my Internet account is about to go up due to lateness. So I'm heated of course and decide to talk to MGR, on hold for about a half hr I reach a supervisor who tells me that whatever dept hasn't sent up my information and that in order to be able to use the card to pay a bill online I still need those credentials authorized. This is after at least 4 to 5 calls to Netspend, two to three people asking me my address and social three different times and on each call.
So with that I was fed up I want my money back Rosie I think her name informed me that it will take twenty business days in order to get my money back, which I heard prior while snapping on an agent on the phone about them not getting my info after at least 24 business hours. This is actually the second time I have talked to "Rosie" who has no Idea what is happening or why my info has not been processed.
So I'm fed up of course since now my bill has defaulted and I have the money that I was to use stuck at Netspend. I chose to not use the card, they wanted me to just activated for store use early on but I refused. So I asked for money back regardless of the twenty day wait (which just seems ridiculous).
So I took down "Rosie's" Info and tried to get her managers info which she refused.I wanted some type of confirmation that I would get my money back and she had none just the ref number they gave me for the initial fax that they could never recover. SO now it's about two and a half weeks past the twenty days and I give them a call. I get Ann who states that someone never deposited the check that needed to be sent. Of course she is so sorry, not sorry enough to expedite my money because another twenty days needs to go by before I get my the money. So I give in, just activate the card so I can use the money on something. I'm sure that works for them because they get a nice 5% of it. Something tells me that this was the plan all along.
So, way too much hassle just to pay a bill. I wouldn't recommend to an enemy or maybe I would. I would def stay away from Netspend and all its associates.
LOS ANGELES, CALIFORNIA -- OK just wanted to say a couple things. First of all Netspend card is a prepaid Credit card. It has the added features of a checking account so that you may setup direct deposit if you like. But it is still just a prepaid card. There are fees associated with the use of a prepaid credit card... reloading, use, ATM access, etc. Think of it like this obviously people like me or you who have a Netspend card most likely have credit and/or money problems otherwise you would not need to have a prepaid Card. So I am truly sorry to anyone who has had a bad experience with them but it is your own responsibility to keep track of your spending.
My advice is to keep track of your balance and account for any active cards. Netspend and Metabank are legitimate companies and I really doubt their employees are going around spending their customers money. Me personally had a horrible experience with BofA when I opened up a checking account just for direct deposit... apparently every thing went through just fine and my direct deposit was processed. On the day before pay day I went to check status of my account. Turns out my account was flagged as high risk and they closed it without my knowledge.
When I called them they told me they would mail me a cashier's check for the balance. Now the big problem was my boss has already submitted Payroll and the money was already deducted from her account. Bank of America and Inuit payroll stated that it could be up to two weeks before the money would credit back to my bosses account. I had a Netspend account that I didn't use very much so since I needed the money desperately my boss setup direct deposit with my Netspend account. I was skeptical at first but didn't have much choice as I needed the money ASAP and my work only paid through direct deposit. Unbelievable but the day my boss submitted my payroll... that night exactly at midnight my funds posted and were immediately available.
So more than a year later my credit has greatly improved but I still prefer my Netspend card over a regular bank. Thank you Netspend for helping me out of my jam. You made a loyal customer out of me. My only complaint would be the ATM fees but I guess that is to be expected :-D


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Corvette is a triumph of design and engineering. But Chevrolet didn't stop there. With advanced technologies, a race-proven bloodline and a supercharged engine, the all-new 2015 Z06 is a world-class supercar.
At the intersection of Le Mans and the Autobahn sits the best of American automotive design and engineering — the all-new 2015 Corvette Z06. This world-class supercar is the closest link yet between Corvettes built for racing and the road. Z06 is engineered to be lightweight and rigid with an aluminum space frame, carbon-fiber hood and removable carbon-fiber roof panel. It was also designed to be powerful, with a supercharged 6.2L aluminum V8 engine delivering 650 horsepower and 650 lb.-ft. of torque.
The 2015 Corvette Z06 is the industry's only supercar to achieve 650 horsepower and offer a choice of two transmissions – a 7-speed manual or an all-new 8-speed paddle-shift automatic – as well as a choice between coupe and convertible. The driver-centric Z06 elevates the experience even further with technologies like a Driver Mode Selector, which allows for customization of vehicle performance dynamics with the turn of a knob. And Corvette owners can relive their drives on or off the track with the available industry-exclusive Performance Data Recorder, which records high-definition video with telemetry overlays on playback.
Dominant on legendary racetracks around the world, Corvette was the most-awarded racing nameplate in the American Le Mans Series and a seven-time winner at 24 Hours of Le Mans. The next generation C7.R race car debuted this season in the new TUDOR United SportsCar Championship series. The C7.R and the 2015 Corvette Z06 share unprecedented levels of engineering and components including chassis architecture, engine technologies and aerodynamic strategies.
The all-new Z06 is the best example yet of the technology transfer between racing and production Corvettes. First, engineers took what they learned on the Corvette Racing C6.R and applied that knowledge to the 2014 Corvette Stingray. Then, using the Stingray as a foundation, the Z06 and C7.R were co-developed to push the envelope of performance on the street and the track.
Watch the development of the C7.R race car.
Record, share and analyze your driving experiences on and off the track with the available industry-exclusive Performance Data Recorder. Add an extra dimension to your drive by logging video of your drives, along with real-time performance data, onto an SD memory card stored in the glove box. Four modes — Track, Performance, Sport and Touring — allow you to capture video, audio, driving stats, date and time, and a lot more. You can even capture video and data when someone else is driving the car with Valet Mode, giving you extra peace of mind.
Data is captured using a seamlessly integrated, windshield-mounted HD camera module, as well as a performance processor, internal accelerometers and GPS system. Then play your video back on a computer, or relive your drive right inside Stingray (when stopped, of course) on the 8-inch diagonal touch-screen. You can even analyze your driving technique using Cosworth Toolbox software that is similar to the analysis software used by Corvette Racing.
The 2015 Z06 is the first 650 horsepower supercar to be made available in both coupe and convertible, as well as automatic or manual transmission. Like its Stingray cousin, the Corvette Z06 convertible is built on the same rigid aluminum frame structure as the coupe version. Designed from the start to be an open-top vehicle, no additional reinforcements were required. The convertible design mimics the coupe roof to reduce drag, while increased downforce keeps the vehicle planted. Efficient airflow helps control temperatures and improves vehicle handling, all making Z06 a true track machine, even with the top down.
The inaugural Z06 convertible features an all-new fully electronic drop-top that can be lowered remotely using the key fob or even while driving at speeds up to 30 mph – with innovative hands-free latching. With the top up, a thick three-ply design ensures maximum sound absorption for a quiet cabin. And when you decide to put the top down, it hides beneath a body-colored tonneau cover, flowing down in a waterfall design between the seats.
Virtually every exterior change on the 2015 Corvette Z06 serves a functional purpose. Wider flared fenders accommodate larger, wider wheels and tires for more grip than Stingray. Larger vents provide more air to the engine, brakes, transmission and differential for increased track capability. And the aerodynamic package generates incredible downforce for cornering grip and stability. The rear has been widened by 80 mm and the front by 56 mm, creating a more aggressive stance and enhanced handling. For even more grip, Z06 comes standard with larger Michelin® summer-only Pilot® Super Sport ZP tires†.
Its exterior design also reflects the increased cooling Z06 needs to maximize performance. A unique mesh grille features dedicated brake-cooling intakes and wider grille outlets, as well as a larger hood vent, which not only vents hot air from the engine compartment, but also contributes to downforce. Additional cooling elements include larger front fender vents and unique air blades over the inlets on the rear fenders, standard front and rear brake-cooling ducts, as well as larger rear-fascia openings.
The standard Z06 features a front splitter, spats around the front wheel openings, a unique carbon-fiber hood with a larger vent, and a rear spoiler from the Corvette Stingray's available Z51 Performance Package.
An available Carbon-Fiber Aero Package (in either black or a visible carbon-fiber finish) adds a carbon-fiber front splitter with aviation-style end plates, carbon-fiber rocker panels, and a larger rear spoiler with a fixed wickerbill – a small, vertical tab at the edge of the spoiler that significantly increases downforce.
The available Z07 Package includes the carbon-fiber rocker panels from level two Carbon-Fiber Aero package, adds even larger end plates to the front splitter, as well as with an adjustable, transparent wickerbill on the rear spoiler for track use. With this package, the Corvette Z06 delivers the most aerodynamic downforce of any production car that GM has ever tested. In addition to the aerodynamic elements, the Z07 Package also includes Michelin® Pilot® Sport Cup 2 ZP summer-only tires†, Brembo® carbon ceramic brakes.
The 2015 Corvette Z06 features a carbon-fiber hood and, for the first time ever, a removable carbon-fiber roof panel. The use of carbon fiber strips away weight, lowering the vehicle's center of gravity and maintaining optimal weight distribution for precise handling.
The 2015 Corvette Z06 is powered by an LT4 supercharged 6.2L aluminum V8 engine delivering 650 horsepower and 650 lb.-ft. of torque. The engine incorporates a more efficient, more compact next-generation supercharger, as well as a dry-sump oil system, lightweight titanium intake valves and connecting rods for reduced reciprocating mass. And while advanced engine technologies enable supercar performance, Corvette engineers have managed to increase LT4 fuel efficiency by leveraging the same trio of advanced technologies introduced on the Corvette Stingray powertrain: Direct Injection, Active Fuel Management™ and Continuously Variable Valve Timing.
The 2015 Corvette Z06 is the only supercar that delivers 650 horsepower and offers the choice of a 7-speed manual or an all-new available track-certified 8-speed paddle-shift automatic. The standard 7-speed with Active Rev Matching enhances the driving experience by simulating heel-toe shifting perfection at the touch of a switch. The available 8-speed paddle-shift offers the smooth control of a true automatic but with quick, precise shifts and manual mode for track driving. The 8-speed automatic delivers performance on par with dual-clutch designs, but without sacrificing performance.
The turn of a dial changes everything. With the Driver Mode Selector, you can fine-tune your driving experience with five distinct, selectable driver modes: Weather, Eco, Tour, Sport and Track. Each mode electronically calibrates up to 12 performance variables to customize and optimize the Corvette Z06 supercar for any road.
Three of the dozen performance variables that the Driver Mode Selector can adjust are Magnetic Selective Ride Control, Performance Traction Management (PTM) and Electronic Limited-Slip Differential (eLSD). Standard Magnetic Ride technology adapts every 10-15 milliseconds, stiffening the suspension for performance driving without sacrificing a smooth ride. Available in Track Mode, PTM offers five settings of torque reduction and brake intervention for track driving.
Standard on Z06, eLSD makes the most of the torque split between the rear wheels. The system, which becomes more aggressive in Sport and Track modes, is designed to improve stability and responsiveness. eLSD also features a hydraulically actuated clutch that can infinitely vary clutch engagement and respond from open to full engagement in mere tenths of a second in order to improve steering feel, handling balance and traction.
The 2015 Corvette Z06 offers your choice of standard Michelin® Pilot® Super Sport ZP summer-only tires† or the track-proven Michelin® Pilot® Sport Cup 2 ZP summer-only tires† included with the available Z07 Performance Package for even more grip. Brembo® brakes reduce weight while delivering incredible stopping power. Large standard 14.6"/14.4" two-piece steel rotors give great braking control and available massive 15.5"/15.3" Brembo carbon ceramic rotors with the Z07 Performance Package keep your stops fast and precise as you carve the track.
Inside, the Corvette Z06 is distinguished from the Stingray with unique color schemes that emphasize the driver-focused cockpit, as well as a unique, flat-bottom steering wheel. Like the Stingray, the Z06 offers two seating choices: a GT seat for all-around support and comfort, and a Competition Sport seat with more aggressive side bolstering, which provides greater support on the track. The frame structure for both seats is made of magnesium, for greater strength and less weight than comparable steel frames. They're also more rigid, contributing to the enhanced feeling of support during performance driving. And all models feature a fully wrapped interior, with every surface covered with premium, soft-touch materials, including available Napa leather, aluminum, carbon fiber and sueded microfiber.
Performance driving is experienced from the interior, so perfection is critical. Every line, every stitch and every accent must honor craftsmanship —and serve the driver.
You aren't like everyone else, and your Z06 doesn't have to be either. Not only can you choose your own VIN and personalized nameplate plaque, there are also more than 50 available dealer-installed Genuine Corvette Accessories to enhance the appearance or extend the functionality of your vehicle.
Want to get hands-on with your Z06? The Corvette Z06 Engine Build Experience is a unique program that allows you to assemble the 650-hp supercharged LT4 engine at the Performance Build Center located at our Bowling Green Assembly Plant.
The 2015 Z06 is a new benchmark in Corvette history. Be a part of the legacy by taking delivery of your vehicle on the floor of the National Corvette Museum in Bowling Green, Kentucky. Before stepping into your new vehicle, you'll get a VIP tour of the museum and the nearby Corvette Assembly Plant.
Take full advantage of your new Z06 through an exclusive program at the Ron Fellows Performance Driving School at Spring Mountain Motorsports Ranch in Pahrump, Nevada. You'll learn techniques to sharpen your driving skills, including mind-speed processing that helps overall coordination. This program is available for the first purchaser or lessee of a new 2015 Corvette only.
Z06 offers an available 4G LTE Wi-Fi† signal through OnStar®, giving you a more powerful connection than even a smartphone or mobile hotspot. The powerful signal gives you and your passengers the ability to seamlessly connect up to seven smart devices to the Internet, giving you the freedom to roam while connected.
It's already the quickest, most capable Corvette ever made. But Z06 has also evolved to keep you connected and entertained. The Chevrolet MyLink† system begins with a retractable 8-inch diagonal high-definition color touch-screen. Using steering wheel controls, hand gesture recognition and voice recognition capabilities, you can talk and text hands-free, stream third-party music services like Pandora® Internet Radio†, plus access a broad range of functions including available OnStar®† and available navigation.
As a final, elegantly integrated touch, Z06 features a motorized drop-down faceplate behind the center display that reveals a concealed storage area with USB† input. Other features include a premium Bose® audio system, available SiriusXM† Satellite Radio, available 3-D navigation maps, an SD card slot, an audio input jack and Bluetooth®† 3.0 wireless technology. Learn more about Chevrolet MyLink
RemoteLink Key Fob Services† are a component of the OnStar RemoteLink® app† that gives you access to features such as remote start (if equipped) as well as locking and unlocking — even when miles away from your vehicle. This feature is included for five years after purchase of your 2015 Chevrolet vehicle, with or without a paid OnStar® subscription. With RemoteLink Key Fob Services, you can unlock your automatic door locks remotely if your keys are locked inside or in case of an emergency. With factory-installed and enabled remote start, you can also remotely start or turn off your car, which is helpful for cooling or heating the inside of your vehicle, and activate your vehicle's horn and lights to help locate it in a crowded parking lot.
Learn more about the full RemoteLink App
Our safety philosophy emphasizes prevention with features such as Active Handling and 4-wheel antilock brakes to help you stay in control, while standard high-intensity discharge Xenon headlamps shed 900 lumens of light onto the road for excellent visibility. And if Z06 ever loses tire pressure, run-flat tires enable safe functioning for some distance at a moderate speed until the tire can be repaired.
In the event of a collision, Z06 is designed to help keep you and your passenger safe with seat-mounted head and thorax air bags†, repositioned safety belt mounts, and a rigid aluminum frame structure that is 57% stiffer than the previous-generation Corvette steel frame.
You're never alone with OnStar® Automatic Crash Response†. Built-in sensors can automatically alert an OnStar Advisor, who is immediately connected into your vehicle and can request emergency help be sent to your exact GPS location — even if you're unable to respond. Standard for the first six months.
Chevrolet Complete Care is our commitment to ensure your satisfaction with the excellent service and support you would expect when purchasing or leasing a Chevrolet.
See for yourself how Chevrolet stacks up against the competition.
* The Manufacturer's Suggested Retail Price excludes destination freight charge, tax, title, license, dealer fees and optional equipment. Click here to see all Chevrolet vehicles' destination freight charges.
***The Manufacturer's Suggested Retail Price excludes tax, title, license, dealer fees and optional equipment. Includes destination freight charge and gas guzzler tax.
2 Do not use summer-only tires in winter conditions, as it would adversely affect vehicle safety, performance and durability. Use only GM-approved tire and wheel combinations. Unapproved combinations may change the vehicle's performance characteristics. For important tire and wheel information, go to gmaccessorieszone.com or see your dealer. 10 If you subscribe after your trial period, service will automatically renew and bill at then-current rates until you call SiriusXM to cancel. See SiriusXM Customer Agreement for complete terms at siriusxm.com. Other fees and taxes will apply. XM satellite service is available only in the 48 contiguous United States and D.C.
To allow you to do an accurate price comparison with prices featured on other Internet sites, GM provides Internet pricing both with and without the Destination Freight Charge (see prices including Destination Freight Charge below). To get full pricing details, go to our Build Your Own section.

subset: commoncrawl


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The 9 Biggest Cliches in State of the Union Addresses
Despite its prominence, this most watched of speeches is usually littered with hack lines and bromides. "Let us," "We must", "The time is now," and "The war on ... " (drugs, cancer, terrorism, crime — take your pick). Herewith, the nine hackiest lines with an assist from former presidential speechwriters.
1. "Let us ... " When I asked former Ronald Reagan speechwriter and Wall Street Journal columnist Peggy Noonan for hack phrases, she wrote me: "I vote for 'Let us' go forth, 'Let us' advance, 'Let us' move forward together. Hold the 'let us.' No one in normal language uses those words the way they are used now in formal speeches. Why not the less fancy, formal, and faux 'My plan is' or 'The path we should take' or 'I believe we should.' "
2. "Work hard and play by the rules." This line had a certain resonance when Bill Clinton used it in his 1992 campaign, with its subtext of not coddling criminals in the underclass or corporate felons above. But by now it's become a cliche in all of its usages whether it's used by George W. Bush or Barack Obama. Does the country really need more pandering to the middle class?
3. "God Bless America." This last line of just about every speech only seems like it's been part of our rhetoric forever, but Richard Nixon introduced it just 40 years ago and Ronald Reagan made it an automatic ending to pieces. It's now stretched out to "God bless you and God bless the United States of America," and over the last few years former Jimmy Carter speechwriter and Atlantic National Correspondent James Fallows has waged his own private war against the phrase — not because of the sentiment but because it's a rote, cheap device that's come to mean little more than "the speech is over." Count on hearing it tonight and as a reliable segue to pundit blather about whether the president did what he needed to do.
4. "Reach across the aisle ... " No one outside of Washington ever uses this phrase, says former Carter speechwriter and Yahoo! columnist Walter Shapiro. He's right. There are plenty of ways to tip one's hat to the idea of parties working together without resorting to this cliche, especially since it's wrong. At the speech, members can be found on both sides of aisles because there's more than one.
5. "My fellow Americans ... " A formal and sleep inducing opening, it got dings from two speechwriters I reached out to, Eli Attie, who wrote for Al Gore and is an acclaimed Hollywood producer with shows like The West Wing to his credit. Matt Latimer, who wrote for George W. Bush and is now at the Washington firm Javelin, cited it, too. And why not? It's pure cliche and slightly pompous and redundant. I think Americans know you're talking to them.
6. "Once again I call upon .. ." Shapiro notes that this trope is half plaintive. It means the president has asked for this before from Congress and he hasn't gotten it. Seeming whiny isn't going to change that. Just think of kids: "Once again I call upon you to release my Xbox."
7. "Our children and our children's children .. ." This is a particularly gassy way of saying "the future" and of invoking the next generation. But if you actually have children, the thought of them having children is not one you're always eager to embrace.
8. "Courage and determination .. ." Rick Hertzberg, Carter speechwriter and New Yorker editor, cited this one to me. It's an almost mindless invocation of qualities that people admire, but like "work hard and play by the rules" it's been drained of any power by its constant invocation.
9. "These are not Democratic or Republican values. They're American values ... " Any time the not-parties-but-American construct is used it's usually either completely banal, such as a salute to upward mobility, or its meant to cloak what is a partisan proposition, e.g., fighting any changes in Social Security.
So keep this in mind as you watch Obama's speech. God bless you and God bless the United States of America.
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Book your winter vacation package and enjoy the highest peak in the Laurentians and Tremblant's unique joie de vivre!
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More Details18 holes, and so much more. Tremblant Resort transforms your enjoyment of the game into a way of life. Mont Tremblant offers unique golf vacation packages to suit all budgets and abilities for you and your family. Our exclusive lodging offers guarantee you'll get the best rates available.
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Whether you only have a weekend in Netherlands or a much longer time, there is plenty for you to explore. Known for their friendliness to tourists, Netherlands culture is both inviting and inspiring. With museums like the Zaanse Schans Open Air Museum, you can get a sense of the older times as you visit Netherlands buildings and even catch a glimpse of the famous windmills. Other Netherlands sights that can not be missed include The Hague, the capital city of the Netherlands.
Off beat tourism in Netherlands also includes a Cheese Museum and Market in Alkmaar. You can find Netherlands shopping at 't Sas in Breda. Other things to do on Netherlands include the Anne Frank House in Amsterdam. But Netherlands attractions like the Van Gogh Museum and tours of the tulips are great for all ages to explore. Head to Utrecht for the Cathedral (Domkerk) and the Cathedral Tower (Domtoren) for a religious trip. Go to EasyToBook.com for all the hotel and accommodations advice you need.
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Definition | Causes | Risk Factors | Symptoms | Diagnosis | Treatment | Prevention
Motion sickness is characterized by the symptoms of nausea and vomiting. Nausea and vomiting can be caused by motion itself or simply from feeling the sensation of motion, as when watching a movie or playing a video game.
Balance and equilibrium are maintained by an interaction among the inner ears, the eyes, pressure receptors on the skin, and motion receptors in the muscles and joints.
Motion sickness results when conflicting messages regarding spatial orientation and motion of the body are sent to the central nervous system. For example, reading a book while riding in a car may cause your eyes to send different messages than your inner ears do regarding motion.
Copyright © Nucleus Medical Media, Inc.
Motion sickness is more common in women and children. Other factors that may increase your chance of motion sickness include:
The most common symptoms include:
Other symptoms include:
Your doctor will ask about your symptoms and medical history. A physical exam will be done.
Symptoms of motion sickness usually go away soon after the motion stops. But, for some people, the symptoms can last a day or more. The main treatment for motion sickness is rest.
To help control vomiting, medications may be given rectally or through an IV. If motion sickness lasts a long time, fluids may be given in order to prevent dehydration.
Strategies to prevent motion sickness include:
Medication that prevent motion sickness should be taken as directed before you begin a trip or ride. These medications can cause side effects, such as drowsiness, lack of alertness, or trouble concentrating.
Medications include:
Repeated exposure to the motion that causes the sickness can decrease your symptoms. This treatment can take time and may be unpleasant.
Commonly used alternative remedies include:
There are steps that you can take to be more prepared:
Before you go:
For cars:
For planes, trains, or boats:
Try to avoid amusement parks, virtual reality rides, and movies that may lead to motion sickness.


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Buckwheat Heat Therapy Mitts | |||
Relieve stiff joints and fingers, poor circulation, arthritis and hand pain with these therapeutic microwavable mitts. Super-soft, polyester fleece with a unique buckwheat filling, these mitts can be microwaved for 30-40 seconds to provide maximum warmth and comfort. One size fits most. Spot clean. 1 pair. | |||
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7.77ctw Round Manchurian Peridot (Tm) Sterling Silver Cuff Bracelet. Measures Approximately 1/4"w. Rhodium Plated. No Closure.
With history dating back some 3500 years, Peridot is found in many diverse and colorful locations. Vibrant green Manchurian Peridot hails from an area in northeastern China, historically known as Manchuria. The Manchuria region is rich in natural resources and beauty with its many lakes, rivers and mountains. A regal gem with a wealth of history, Manchurian Peridot has magnificent green color which is completely natural and untreated. This legacy is yours today at an incredible value.
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Loves LightGreat For Fine Hair!This is one of the most amazing products on the market for those with fine hair.Ive had my caruso staem rollers system now for 14 yrs and its still working marvelously!Its been a lifesaver as Im unable to perm my hair any longer in addition to coloring it.Buy this product and never let fine hair bring ya down again!posted May 27, 2005Link to this post
Karla OberCaliforniaCaruso Curlers Work Great, But Too $$$$$$$The Caruso hair setting system is terrific. Ive been using it for over ten years (Im on my second set). Im disappointed that loyal customers like me who have purchased the whole system dont get a better deal on extra curlers. My long thick hair requires over thirty curlers.posted May 20, 2005Link to this post
RCaruso RollersHad a great experience so far with this company. Follow up was great on my order inquiries and I got my product promptly. I would order againposted May 19, 2005Link to this post
Linda HintonBelleville, IllinoisProblem Hair For 46 Years-no More!!!My hair is pin-straight. I have tried to grow it for years, since my youth, but it never gets past shoulder-length. It looks its best with some curl in it, but my hair would not grow due to curling iron damage, coloring damage, etc. With the Caruso Molecular Steam system, this is the first time my hair has been happy. It is halfway down my back and looks so shiny and healthy. The curl stays in until I get it wet. It is like a miracle! I would buy stock in this company. I have more confidence, feel more feminine and I really get second looks. I love Caruso. I have 3 sets: One for home, 1 for travel (I travel 260 days out of the year,) and 1 spare. I could go on and on. But I think you get the message!!posted May 13, 2005Link to this post
JaneCaruso Roller Packthis is the fourth set of rollers and steamer I have owned. I started with the unit that needed salt in the water. I love the product. However, I would also like to be able to purchase the foam rings separately for the rollers. That foam seems to wear out way before the heating unit or the plastic roller and covers. Please consider offering the foam roller covers separately.Thanks!!!!!posted May 13, 2005Link to this post
DonnaJersey ShoreCaruso Hair Setting CurlersFor hard to curl hair like mine, I havent been able to find anything that works as well as these curlers. The only reason I needed to purchase another set was because I packed the original ones during a move and still havent found them.posted May 13, 2005Link to this post
Pat ClauserAtlanta, GAWhat's The Big Deal?If you want to set your hair in a hurry, use hot rollers. If you have lots of time, wet your hair and use regular roller. I feel I wasted my money.posted May 3, 2005Link to this post
NanciWexford, PAFor The 'hair-ing Impaired'For all the people who have mastered the curling iron without frying their hair and burning their foreheads and any other place that the iron can touch - you go! For the hair-ing impaired significant others - the Caruso Hair rolling system IS the answer. I have used this to set my hair for more years than I know. I have given the Caruso Roller sets as gifts, while I could still find them in local stores. I am eternally grateful for this website, and a way to purchase extra rollers as needed. The price and swift delivery are a bonus. Thanks to all at Caruso for making my hair swing!posted Mar 23, 2005Link to this post
NanciWexford, PAGreat Product!Excellent product for the hair-ing impaired! Caruso helped me say goodbye to curling iron burn - and say hello to easy does it steam rollers. Great product, great price, great hair!posted Mar 23, 2005Link to this post
Deborah ClemMontgomery, AlabamaCaruso Professional Roller PackThe Caruso medium rollers provide just enough curl for my shoulder length hair to make it full of body and manageable. I use the medium rollers on all of my hair with an exception of my bangs and use the smaller rollers for them. I have never been disappointed with my Caruso hair setter and would recommend it to others.posted Mar 17, 2005Link to this post
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The US$80K Fisker Karma luxury plug-in hybrid sports car
January 16, 2008 We've written before about the coming of Fisker Automotive and its highly credentialed designer/CEO Henrik Fisker, though we weren't exactly expecting a hybrid when the premium sports car company announced its first production car at NAIAS. The Fisker Karma is a four-door plug-in hybrid with a solar panel roof, regenerative braking, a light weight body, does 0-60 mph in less than 6 seconds and will have a top speed beyond 125 mph when it goes on sale late in 2009 for a projected US$80,000. The drive train is entirely electric though the car has a small gasoline engine that runs the generator, which charges the lithium ion battery pack. This allows the car to be driven for up to 50 miles a day provided the car is charged every evening.
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Archaic 5mph speed limit for sailing boats soon to change By The Log/Sail-World Cruising, 5:39 PM Fri 7 Oct 2011 While it's power boats that get most of the criticism for speeding on waterways and ignoring the rules, one US waterway has so restricted speed that yachts involved in racing have been in danger of being booked for speeding. However, common sense will soon prevail in Newport Harbor in California where the 5 mph speed limit has been hampering sailing boats as well as power boats for over 100 years ...[more] Red tape cut for visiting St Lucia - a model for other countries? By Des Ryan, , 3:42 PM Tue 4 Oct 2011 Awkward red tape always makes visiting a country less likely for the cruising sailor. Some nations make it so difficult intentionally that no cruising sailor visits - think of Saudi Arabia or Algeria. Others are simply ignorant of the value of visiting yachts. St Lucia in the Caribbean could be used as a model by all yachties who want to encourage their own country to make visiting easier: ...[more] UK's Royal Yachting Association publishes manifesto By RYA/Sail-World, 11:53 AM Fri 9 Sep 2011 The Royal Yachting Association (RYA), the UK's national body for representing the interests of all boating activities, has, for the first time, found it necessary to publish a manifesto, with the following statement: ...[more] Ferry has its day in court: New Zealand sailboat skipper fined By Maritime New Zealand, 9:54 AM Wed 31 Aug 2011 A New Zealand skipper is convicted and fined for ignoring basic safety rules for the avoidance of collisions at sea. The skipper will have to pay over NZ$5,000 for his deliberate act. ...[more] Foreign yachts fined in Europe for 'wrong' fuel By Lucy Chabot Reed, The Triton/Sail-World Cruising, , 3:45 PM Sun 14 Aug 2011 Admittedly they were megayachts, but the warning is clear for all cruising sailors are headed for Europe after being in America, even for a short time. Two megayachts have been boarded and fined thousands of dollars by German customs officers in Kiel for having red-tinted fuel in their tanks. ...[more] Heavy handed financial police scare boats away from Italy By Sail-World Cruising round-up, , 6:08 PM Sat 6 Aug 2011 It's not only on land that Italians are suffering financially. Marina operators are complaining that, between new checks being carried out by Italian financial police, the flight of yachts to other countries and the fact that so many boats in marinas are for sale, the year 2011 is forecast to be even worse than 2009 and 2010. ...[more] Quit picking on the Little Guy - Boating publisher speaks out By Nancy S Michelmas/Sail-World, 9:01 AM Wed 27 Jul 2011 Like many sailing and boating grounds in the world, the sailors in the waterways of the USA are feeling an increasing load of regulations and less and less 'freedom of the sea.' This has led Nancy Michelmas, publisher of BoatU.S, to write of the subject and what can be done about it in the United States. Readers from other countries might sympathise! ...[more] Why cruising yachts avoid Australia -what's wrong with our regulations By Lesley Grimminck, 6:58 AM Fri 22 Jul 2011 Lesley Grimminck is the long time and highly respected president of the Bundaberg Yacht Club, which operates the annual Port2Port rally from Vanuatu, welcoming both circumnavigating international yachts and Australian homecoming yachts with a grand week of festivities to mark the end of the cruising season. However, according to Lesley, international yachts are now avoiding Australia. Read why: ...[more] Bermuda: More red carpet, less red tape By Bernews/Sail-World Cruising, , 7:03 AM Tue 31 May 2011 Bermuda has long been concerned about illegal immigrants, allowing yachts only a three week stay before an involved process for an extension. Now the country is recognising the value of the yachting fraternity by allowing yachts a three month stay. ...[more] Fiji copes with yachting boom By Sail-World Cruising, , 10:38 AM Mon 30 May 2011 Fiji is having to expand its customs and immigration facilities to cope with a yachting boom. According to the Biosecurity Authority of Fiji(BAF) thirty-two officers are to be recruited because of the increase in workload created by the recent influx of yachts, particularly superyachts. ...[more] Westerly Owners Association speaks up on UK coastguard changes By Lee Mylchreest, , 6:38 AM Mon 2 May 2011 UK's strongly supported Westerly Owners' Association (WOA) has come out swinging against the government's plans to change the way that the coastguard operates on the coastlines of Britain. ...[more] Mediterranean inspection warning this season: yachts are included By Stuart Biesel, The Triton/Sail-World Cruising, , 6:40 AM Wed 6 Apr 2011 There is quite a stir in the air these days about the Paris Memorandum of Understanding and vessels being detained in the Mediterranean. There are Flag State circulars, various management company memos, e-mails and media articles all with warnings. Let's have a look at the who, what, where and why of the Paris MoU and how this may impact yachts in the Mediterranean this summer. ...[more] Yachts in Europe: new marine safety inspections from Jan 2011 By Sail-World/Capt. Jake DesVergers, The Triton, , 10:43 AM Mon 3 Jan 2011 Yacht owners in or intending to visit Europe Russia or Canada take note. From Jan. 1, 2011, the member states of the Paris 'Memorandum of Understanding' (MOU - an administrative agreement between 27 mostly European maritime authorities) will implement a New Inspection Regime (NIR) for ships and could have a significant impact on yachts, according to a chief surveyor for International Yacht Bureau ...[more]
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Top Definition
A woman who needs her lover's undivided attention with regards to oral sex; just lying there, barking directional orders as if she was a 'sat nav'.
"Listen, love: I love you and all, but I can't breathe through my fuckin' ears. Stop being such a Beaver Diva"
af Matt & Annie
13. januar 2009


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Sinister (2012)
Sinister Synopsis
is a frightening new thriller from the producer of the
Paranormal Activity
films and the writer-director of
The Exorcism of Emily Rose
. Ethan Hawke plays a true crime novelist who discovers a box of mysterious, disturbing home movies that plunge his family into a nightmarish experience of supernatural horror.
Sinister Release Date
In Theaters October 12, 2012
Sinister Credits
Ethan Hawke, Juliet Rylance and James Ransone
Written by:
Scott Derrickson, C. Robert Cargill
Directed by:
Scott Derrickson
Produced by:
Jason Blum, Brian Kavanaugh-Jones
Summit Entertainment
Subscribe To Sinister Updates
if you're excited for Sinister
Sinister Images
Watch Sinister Video Online
Trailer 1
Latest Sinister News
Sinister 2 Teaser Trailer Is Spooky And Surreal
The first teaser trailer for Focus Features Sinister 2 is upon us. The spooky short little clip debuted yesterday at WonderCon 2015 and appears to promise some solid jump-scares and plenty of eerie feelings. Check it out below.
by William Fanelli
April 5, 2015
Get Ready For 10 More Years Of Micro-Budget Horror Movies
Universal Pictures and Blumhouse Productions's new 10-year deal will include partnerships across NBCUniversal's businesses, including Universal Television and Universal Cable Productions. It's a first look production deal that essentially means future Blumhouse movies will first be offered to Universal for distribution.
by Kristy Puchko
July 24, 2014
Sinister 2 In The Works
Last fall Blumhouse Productions debuted the slick mystery horror story Sinister. The $3 million dollar movie from Scott Derrickson and C. Robert Cargill not only won rave reviews from critics, but also earned a whopping $77 million worldwide. So, it's no surprise that Blumhouse is looking to build a new franchise from this solid base.
by Kristy Puchko
March 1, 2013
This Week In Home Entertainment: Argo & Anna Karenina, Plus Things Get Sinister
Theres a lot of imagination in this weeks best releases. From a ghastly creature haunting old visual mediums to reenvisioned historical moments, and world and their wars built entirely for the small screen, this week in home entertainment offers a little something for everyone, even if that something is watching scantily dressed teens try to find a younger sibling in a haunted house.
by Jessica Rawden
February 19, 2013
Sinister Will Pop Up On Blu-ray And DVD In February
, the devil in the (home movie) details movie starring Ethan Hawke hit theaters to mixed reviews, but crushed at the box office when considering the budget, pulling over $47 million at the domestic box office on a $3 million budget. If you missed the part found footage flick during its theatrical run,
is hitting Blu-ray and DVD on February 19.
by Jessica Rawden
December 3, 2012
Eric Bana Up For Sinister Director's Beware The Night
Titled Beware the Night, this paranormal thriller centers on a New York cop charged with tackling cases of "real life demon possessions, exorcisms and werewolves." ScreenGems is currently considering backing the production, which just got more enticing with word that Eric Bana is in talks to star.
by Kristy Puchko
November 12, 2012
Weekend Box Office: Argo Lands Second As Taken 2 Doubles Up At Number One
Ben Affleck's Oscar baiting
settled for a close second place with $20 million. That wasn't quite enough to top his previous directorial effort
The Town
which bowed in at $23 million. The drop is most easily blamed on the fact that Jon Hamm wasn't cast this time around.
by Scott Gwin
October 14, 2012
Sinister Scares Up $1 Million From Midnight Screenings
With October kicking off and plenty of people in the mood for a good scare, it's awesome to have a horror movie out there that's apparently scary as hell and actually good.
is racking up far stronger reviews than you usually see for horror movies, and now it's got the box office behind it as well
by Katey Rich
October 12, 2012
Sinister Web Promos Stare Back At You With Menace To Spare
From the film's first frame, this deeply freaky feature cuts its own path to terrifying audiences with truly disturbing imagery and a murder mystery plot that blurs the line between crime drama and horror. Already we've seen a glimpse of Sinister's creepy antagonist Bagul in the trailers, but in the clips and poster here, he's looking back.
by Kristy Puchko
October 10, 2012
This Rotten Week: Predicting Argo, Sinister, Seven Psychopaths And More Reviews
Now were talking. Now were kicking things into gear. Now were getting to what makes movies great. Some excellent stuff hitting the screens this week with Affleck freeing hostages, seven dudes going psycho, things getting sinister, and Kevin James doing MMA. Well...three out of four aint bad
by Doug Norrie
October 7, 2012
New Sinister Red Band Trailer Is Here To Disturb You
It's not hard to tell that Halloween is just around the corner. Today marked the release of
The Cabin in the Woods
on Blu-ray and DVD (whether or not you've seen it, go pick it up immediately),
The House at the End of the Street
is in theaters this Friday, and we've seen trailers for movies like
Texas Chainsaw 3D
- despite the fact that neither will be out for this year's All Hallow's Eve.
by Eric Eisenberg
September 18, 2012
New Sinister Poster Aims To Scare With A Bloody Wall
, the new horror movie from director Scott Derrickson, Ethan Hawke plays a true crime writer who moves to a new house with his family while investigating a mysterious quadruple murder. In the new house the character finds a box of super 8 films, all of which have the same strange, disturbing face embedded in them somewhere. And Summit Entertainment isn't even trying to hide said face in their marketing materials.
by Eric Eisenberg
September 12, 2012
Ethan Hawke Is Haunted In Sinister Trailer
Writer-director Scott Derrickson is drawn to tales of the dark side. He first broke through in 2005 by spinning the peculiar story of Anneliese Michel into the horror-drama The Exorcism of Emily Rose. Since then he's created the supernatural horror film Sinister, which follows a struggling true-crime novelist, who rather than bringing his work home, makes his work home, moving his family into a house that's prior residence were horrifically murdered...
by Kristy Puchko
June 14, 2012
Ender's Game Gets A Release Date, As Does Step Up 4, Red 2, And Three Others
Summit Entertainment has set premiere dates for a number of projects, including the sequel to
, another installment to the
Step Up
series, as well as the much anticipated (mostly by sci-fi geeks) big-screen adaptation of Orson Scott Cards
Enders Game
by Kelly West
October 25, 2011
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cconsider taking it to a professional
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http://www.goshops.org
consider taking it to a professional http://www.clothes2.us. Shoe cobblers
will usually do coach wallet and bag restoration.Go to the thrift
storehttp://www.clothes2.us.
Believe it or not, some thrift stores sell fake Coach Purses.Most coach
outlet stores have to sign a form for the newsletter <a


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Suite Ribbon Pillow Cover
reg. price $25.50 sale $19.99
- Free Shipping
- Monogram
- More Colors
- Overview
Treat your suite with this preppy cotton pillow.
- 16" square
- Pure cotton.
- Detailed with grosgrain ribbon.
- Hidden zipper closure; insert sold separately.
- Personalize it! Add this item to your shopping basket to see font and color options.
- Monogrammed and personalized items cannot be cancelled or returned except when due to defect.
- Machine wash.
- Imported.
- Dimensions + Care
- Machine wash in cold water; gentle cycle.
- Do not bleach.
- Tumble dry on low heat; remove promptly.
- Warm iron as needed.
- Shipping Info
Please allow 5-7 business days for delivery. Delivery estimate includes monogrammed and gift-wrapped items.
Monogrammed and personalized items cannot be cancelled or returned except when due to defect. - Final Sale
Final-sale items, identified by a price ending in $0.99, cannot be returned. Once placed, your order for any final sale items cannot be canceled.
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