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MARLBOROUGH, MASSACHUSETTS -- Back in June of 2010 we purchased an official bank check through TD Bank to pay an out of state bill. Our check never reached it's destination and upon waiting the 90 days TD Bank told us we had to wait we filled out the appropriate paperwork. We were told immediately that the money was pending in our checking account. We waited an additional two weeks only to find the money still pending and unavailable to us. We then called the Marlboro, MA TD Bank branch and they told us they would instead send us a check in the mail. We waited yet another two weeks and no check came. At this point we decided to go to the branch ourselves. We were addressed by the bank manager who told us they we're doing all that they could to help us. Again another two or so weeks go by and at this point we decided to involve the OCC. After about a month of the OCC doing all they could to help us we were told the money was yet again pending in our account so the OCC closed the case. Three weeks of the money pending and still funds were not available. We went back to the Marlboro branch and dealt with a new bank manager who gave us a TD Bank Visa gift card claiming the full refund was on the card. We left the bank proceeded to the store only to find out there was a zero balance on the card. We drove back to the bank and the manager acted surprised there was no money on the card. We called the Visa card number on the back of the card from her desk and had the representative there tell her there was NO money on the card. She acted almost put out and told us she'd have to "investigate" where the money went, as if it just got up and walked off the card. We spent everyday during the month of December going to the bank and being lied to. We were even told to call the card daily in which we did only to have the same outcome. We have dealt with almost everyone who works there and it seems as if their all trained to tell you the same thing. "We'll look into it and call you back" and yet they NEVER call back. Or you get "we're doing all we can to help you" and when asked specifically what their doing to help they cannot answer you. These people are liars and crooks who feel they can take your money at anytime and charge fees whenever the want yet if they owe you money you'll get the run around and lied too far before you get your money back. We at this point have involved the OCC (AGAIN) and every other company that will listen. This now isn't as much about the money but more about the principle of things. If we can help out at least one other hard working person who has a family to support and can't afford to spend five months begging and pleading for their own money only to be lied to and treated awfully then all our hard work will have paid off!!!!!!! Do Not Do Business With This TD Bank!!!!!!!
BEAR, DELAWARE -- I have a home equity loan with Commerce Bank. When TD Bank bought Commerce, my nightmare began.
I had my loan set up for biweekly automatic payments. This was fine under Commerce but shortly after TD Bank took over, I started getting late notices. I couldn't figure this out since the payments were being deducted from my account every two weeks.
I contacted TD Bank and was told that my payments had been incorrectly posted as principle only, showing as no intereste paid. They admitted this was their mistake, but had not explanation for how it happened. They said they would fix it but by the time they did, they had reported me as delinquent to the credit bureau.
I called back to tell them they needed to rectify this and they said they would turn it over to the person who handles errors with the credit bureau. Imagine, they have an employee assigned full-time to fix information they've erroneously reported on their customer's credit bureau file.
I was supposed to receive a call back in a few days but never did. Of course they would not give me the contact info for the person who handles rectifying the erroneous info being sent. After speaking to several more people at TD Bank over several months, I got nowwhere.
The next thing that happened was they just stopped deducting my loan payment from my account. When I called to ask why they said TD cannot process biweekly payments, only monthly automatic payments. I said it would have been nice if I had been told this. They said they had mailed notices out but I read every piece of mail from my bank and I never received this notification.
When I spoke to someone in the loan dept she said that it was because in the computer switch over (remember when the bank couldn't process anything for 3 days???) from Commerce to TD, several loans were just "dropped off" and mine was one of them. So the whole "we notified you" was a load of crap.
At this point I cancelled my automatic payments and said I would just make the payment myself each month. So each month I go online and pay my loan electronically. However I suddenly start getting notices that I'm a month behind. I look at all my payments which are current, call TD again, and they can't explain it. So in order to not have my loan looking like it's behind, I make an extra payment.
For 6 months I have been doing this. Each month I go online and my loan shows "no payment due" for the current month and the next payment due the following month. But I make a payment anyway, just to be safe.
Then in October, I suddenly see almost $800 deducted from my savings account. Under the column that describes what it's for it just says my name. I immediately call TD Bank and no one can figure out why this money was deducted from my account. The CSR gets her supervisor and they still can't figure it out. So they call my local branch.
The local brank says it's for my home equity loan!! I tell them I am not set up for automatic payments, the amount they deducted isn't my loan amount, and my next payment isn't even due until November! Their answer is they will "research" it and it will take 10-15 days. In the meantime, they won't put my money back in my account. I am freaking out at this point.
So they transfer me to the loan dept and I speak to Matthew. He promises to expedite the research and have the money back in my account in 2-3 days but says I should call on Wednesday to make sure it's there.
I check online on Wednesday and the money isn't there. I call the loan dept and speak to Kelly who is rude, condescending and totally unhelpful. She says all she can do is put it in for researach and it will take 10-15 days. I reiterate that TD has taken my money with no authorization and I want it back. Kelly said no. I told her that Matthew said I would have the money back that day and she didn't even want to look up the notes on my account to verify this. She finally did and said Matthew only put in the notes that he would expedite the research process.
So I said "then Matthew basically lied to me." She refused to comment and just kept repeating that she would put it in for reserach and it would take 10-15 days. I was ready to scream. But instead I asked to speak to a manager. She just keep repeating her mantra "I'll put this in for research. It will take 10-15 days." She said this about 5 times ignoring everything I was saying.
I kept insisting on talking to a manager and she finally put me on hold. After a very long wait a manager, Nick, came on the line, apologized and said I would have the money back in my account that afternoon. Amazing! However, he said I would need to write a letter saying I no longer wanted automatic payments deducted from my account, and I would have to fax or drop it off since they needed my signature.
I repeated several times that I did not have automatic payments and hadn't for almost a year. He said he understood but said it was showing in their records that I was set up for automatic payment since January 2010. I then asked why, if that was the case, in 10 months, a payment had never before been deducted from my account. I also asked why they would deduct a totally different amount that my loan payment amount, and take it out a month before it was due. He couldn't explain but said I would need to drop the letter off in order to prevent this from happening again.
I replied that it was amazing that they hadn't needed my signature to set me up for automatic payments that I never requested, and could take random amounts of money out of my account with no explanation, but they needed my signature to stop doing something they did without my authorization in the first place!!
I also told him that my very next step would be to transfer this loan to another lender and close all of my TD Bank accounts.
But the story doesn't end here.
The money wasn't in my account that afternoon, or the next morning. I called TD Bank again and was told that it had to be in the "overnight run" and it hadn't been submitted in time the previous day. Funny, since I spoke to them at 10:30 am!
The woman I spoke to, Marie, was very nice, helpful and professional. She is an anomaly in the TD Bank world but I am grateful for her help. The money finally went back into my account. I gave them the letter with my signature. Even though it aggravated me to have to write a letter to ask them to stop something I never asked them to do, it was easier to just write the letter and (hopefully) avoid another problem.
And by the way, now they're telling me my Oct loan payment is due, even though their online system says a payment isn't due until November.
Do the Three Stooges own this bank? Commerce was bad, but TD is ridiculous.
ST ALBANS, VERMONT -- I want to warn all small businesses that TD Bank is a terrible place to do business. I am a small business owner. In December 2011 I was contacted by a very reputable multi-national corporation wanting me to do some work for them. I was thrilled to say the least, this was an opportunity of a lifetime for a small company like mine.
I accepted the proposal with the understanding that the company only pays vendors outside their country via wire transfer and they have a net 30 day terms policy. I had no problems with those terms. The company requested that I get a copy of all information for an International Wire Transfer from TD Bank, on their letterhead, which I did. They provided me with that letter on January 25, 2012. I submitted the letter to my client the same day.
I was told there was a wire transfer processed in the amount of $7,500.00 on March 16th. I began calling my bank and inquiring as to the process and when I should expect the money in my account. I was told that it would take a minimum of three days but no more than 5 days. The following Wednesday, Thursday and Friday I contacted the bank again and was told the wire was not in the system. Each and every time I spoke with TD Bank Customer Service, which was almost daily, I asked the employee if they would kindly confirm that the information I was provided in January was correct for this wire transfer, and every time I was assured it was correct.
On Monday, March 26th, 10 days after the wire was submitted, I still had not received the funds. I called the bank and spoke with customer service and this time when I asked to confirm the information I was informed that the letter I received in January was in error, that they had provided me with the incorrect bank name and the incorrect bank address and the incorrect routing (ABA) number. This infuriated me and I immediately contacted my local bank branch to find out how this could be the case. They apologized but there was nothing they could tell me.
I have spent the last 8 hours of this day trying to get the correct information. My local bank representative contacted the International Wire Transfer division of TD Bank and was given different information than I was given in January and different than I was provided on the 26th. After many hours of phone calls I received another letter from the bank with new information but not before the local bank representative I was dealing with stated "It scares me to death to send this to you because I don't know if it is correct!". How is a person supposed to have faith in this bank?
I have asked to be contacted by the bank manager but he has not returned my calls. I have no way of knowing where the $7,500.00 is or when it will appear in my account. My client has requested new information from the bank to resubmit the wire transfer but I don't know what their procedure is in regards to this situation. I doubt seriously they will take my word that I do not have the money and TD Bank can not confirm to anyone where the money is or when it will be returned. After all this I called customer service just as a test and asked if they could tell me what the process is to do an International Wire Transfer and I was given the same information I was provided in January. I later called the International Wire Transfer Division and they provided the same information.
That would mean if the information I was provided in January was correct then the money should be in my account. If I ask where the money is they tell me it was never sent to the bank because I have the wrong information, but when I try to confirm the information they tell me more often than not that the information I have is exactly what I need. So I then ask OK, then where is the money and the cycle starts all over again with them telling me the money was never transferred because I have the wrong information. They can not possibly have it both ways, either the information is correct and they have the money or the information is incorrect and I need new information.
There is nothing I can do because nobody at TD Bank knows the answer, or if they do they prefer to keep it to themselves. I am beyond frustrated and as soon as I resolve this situation I will be changing banks very promptly never to return to TD Bank, America's Most Incompetent Bank.
I sincerely believe that the only reason this has happened is because of the incompetence and laziness of TD Bank employees and customer service. They were and are too lazy to pull a piece of paper out and read whether the information I am reading to them is correct. What a mess!!!
LEXINGTON, MASSACHUSETTS -- I am the general partner of a Limited Partnership formed in Massachusetts. On April 11th, nearly six weeks ago, I was told about a loan program by clerk at TD Banknorth in Lexington, MA. The branch manager, Matilda Topalli, was out, so the clerk put me in touch with a loan manager at Concord who explained that the Partnership would be eligible for this particular program and that I should get the paperwork from the Lexington Branch when the manager returned. A couple days later I returned to the branch, met face to face with the manager and got the forms.
I explained that the Partnership was planning to use the money as a revolving line of credit. I also discussed my schedule, and that I was leaving the country to visit my sick mother in Japan and needed to finalize this very quickly so I could make my flight reservations. I told Matilda that I would need to travel with two of my children on June 21st based on school schedule and my need to see my sick mother and wanted to have this completed well in advance of that date or else I wouldn't start the process at all. At the time tickets from Boston to Tokyo were available at just less than $900 apiece. Matilda told me that the application would be simple, that two years' of the partnership tax returns would be needed and that once this was in place approval would be quick. I thanked her, took the forms and went home.
I returned in a couple days with the forms along with the prior year's tax returns for the Partnership. The 2006 returns had not be finalized so I couldn't provide those yet, but at the manager's request I prepared an income and expense form for business. I was assured that the loan application would take "2 or 3 days to process" once it was at underwriting, and that the underwriters would let me know if any other information was required. I also had to get attested Power of Attorney and various Partnership paperwork couriered to me from my attorney and speed up the filing of the 2006 taxes.
At this point I believed that the application would be sent to the underwriters without the 2006 taxes for initial processing, that I would get a response before the end of April with approval contingent on receiving the finalized tax returns and any other additional information the underwriters might require. As a result, I expedited the taxes (getting my accountant to interrupt a golf vacation to Bermuda) so that I would be able to get the loan finished one way or the other by mid-May.
About a week later I received a call from the manager asking for additional information leading me to believe it was for the underwriter. I took in the 2006 Partnership return. She also asked me to fill out the application again since she had had me sign incorrectly. She was confused about my role as individual, partner and power of attorney. I signed the papers again and gave them to her. Again, she told me that it would take "2 or 3 days" to hear back.
Last week (5 weeks after this started) the branch manager called yet again and told me to come into the bank to sign the application a third time. I was shocked. When I got to the bank I saw all my papers there – apparently the application had never been sent to the underwriters at all! I asked her for the underwriter's name so I could contact him or her, and she told me she didn't have that with her, but would give it to me the next day.
Worried, I called TDBanknorth headquarters and asked for underwriting to confirm the status of my application. There was no record whatsoever of my having applied for a loan. They had never heard of me or the partnership. I then called the main office to complain about this. I spoke to Diane Wheeler, assistant to Wendy Suehrdtedt, Senior Vice President and explained the situation. Later I got a call from someone claiming to be a loan officer who told me that the partnership was not eligible for the program in question, that the branch manager had not realized this because her old bank had such a program. Then our call got dropped, so I caller back the caller ID and was shocked when the phone was answered by yet another BRANCH OFFICE. The person I was talking to wasn't a loan officer at all, he was another branch manager (Matthew McGuire, AVP, Branch Manager) trying to bale out the manager in Lexington and lying to me outright about his position in the bank. When I pointed this out to him he said that in fact I was not eligible for the program and that I should not be getting this other manager in trouble.
Later I received yet another call, this in response to the complaint I made to the headquarters in Maine. John Mulvey told me that he was instructed to get in touch with me. But it quickly became apparent that he had no idea of the history of what was going on and had not been in contact with anyone involved, so he was no help whatsoever.
Now flights to Tokyo are nearly $2000 a seat because of the delay in purchasing, I have no loan even in process and am convinced that the manager, through incompetence and neglect failed to even ask me the right questions. Besides the aggravation and costs associated with getting the paperwork done, I am out over $3000 in increased travel costs. Had she simply sent the application to the underwriters I would have had a response one way or the other and been able to make my plans accordingly. Or, if I truly was not eligible I should simply have been told this. Based on the program description I got in writing from the bank I think the Partnership does qualify, but at this point I believe people in the bank are simply trying to cover up for the incompetence of its manager. My summer schedule is ruined, my cost of travel more than doubled and I am furious at being misled and deceived about the processing of my application.
TD Banknorth was incompetent in dealing with my application, they deceived me as to the time it would take to get an answer, failed to file the application in a timely way, and tried to cover up their mistakes when it came out that the application had never been forwarded to the underwriters. This never would have happened at Boston Federal Savings prior to its acquisition by TD Banknorth. They have reduced staff, increased hours and failed to train or supervise their employees. While I blame the branch manager, I blame the senior officials at TD Banknorth even more. I am shocked that to this point I have gotten no explanation for what happened nor any sort of apology for the bother, inconvenience and harm this has done me and my business.
Banks are supposed to be trustworthy. It should be criminal for them to misrepresent themselves in phone calls. I provided detailed, highly personal information that I would never share except when required for this application. I was misled, lied to and let down about this. I was put to a great deal of effort for nothing.
NEW JERSEY -- I used to be the biggest fan of TD Bank. Opened my account with them 10 years ago or so! Got all my family to transfer money there and recommended it to everybody. Commerce WAS the best and the most convenient bank. Never had Any problems with them and WAS in love with their customer service. That was back then, good old times lol. When it became TD,- I did some research and it looked like it was going to get better. TD was one of very few banks which pulled their investments out of all mortgage mess that country going through,-oh god was I wrong. All started with overdraft fee of $35. They repeatedly lie to me that they send new rules & regulations out to me and I will get it any day. I canceled my overdraft protection back in 2001(it's a checking account not a credit card is my philosophy), but the very first month they introduced $35 overdraft fee, they let through 9 bogus internet transactions in the raw to go through and charged me $35 each time (looks like bankers and hackers working together now), not to mention that in 10 previous years I used my card 5 times ( if that) over internet and supposedly I had some anti theft protection from TD ( I know that because most of the times I travel from NJ to Fl I had to call them to get gas,- it wasn't going through), but if they making money all protection goes to hell I guess! I asked them why I have an overdraft protection when I canceled it long time ago, their representative told me, that as I favor they gave it to me so my mortgage payment check wouldn't bounce!!!! What a BS !!!! So they made a note on my account in front of me not to let any payments through unless there is money in there! Then, just to make sure I went to different branch, and the confirmed that the note was made. Guess what, month later I was negative $1.99 because of some internet transaction again. Of course that famous computer glitch took my $850 deposit, for some miracle I didn't throw away receipt ( they should have advice people that week to keep their receipts and say we have a problem not " out computers temporary off line"). On top of that, for 1 year and 3 months I couldn't get my statements send out to me. I called and requested it 8 times over the phone, and 4 times in person in 4 different branches-NOTHING. All that coasted me tons of time, money orders (while they investigate), and most important millions of nerve cells. But the last drop in the cup was when my mother receive her statement last month, she noticed $3000.00 deposit through branches ATM(which wasn't made by her), then two days later $3000.00 withdraw(which wasn't made by her). When she called, representative told her that one of her family members must have got a hold of her bank card.! When she said its just her and a cat, TD representative got angry and told her to call police if she wishes ( I wish she did), when she got supervisor on the phone, she told her that as a favor they can try to investigate .
I don't see that most convenient BS commercial any more, I guess even TD bank themselves don't have the balls to say it!!!
P.S. Closed all my accounts there, refinance my car with someone else. I don't know if TD Ameritrade representative will talk me into staying with them. Capital One looks pretty well as a bank, just compare their interest rate for checking TD Bank-0.25% Capital One-1.3%
Wow, what a difference.
SUMMIT, NEW JERSEY -- My wife and I set up a TD Bank account for my 15 year old daughter. They gave us a pin, and after a few weeks, my daughter got around to using the card, which didn't work. I took it to the ATM and it didn't accept the PIN we were given.
So I went to the teller who said she wasn't authorized to help me with the PIN problem. So then I waited in line for the desk people--a woman and a man who were both occupied with customers. I was #2 in line. I waited and waited and waited.
Finally I called the customer service line. My daughter spoke with them and after a few minutes, they decided they couldn't help her because she wasn't able to verify her last transaction (she told them there were no transactions as the account had been set up just a few weeks earlier). So that was a dead end.
So we continued to wait and wait for the desk people, who continued to be buried in their computer and barely even speaking to the customers they were serving.
Then I back up to the teller, and asked for the last transaction, which after a few minutes, she indeed verified that it was the account setup deposit. She gave me that exact amount.
So, I went back to my daughter's position in line for the desk people, and of course there was no change there. She called the phone line again, and after running through that gauntlet again -- this time with the amount of the initial deposit -- she was informed that the representative STILL wouldn't help her. She either had to see the branch personnel or have a new PIN mailed to us. We chose the later but continued to wait in the branch for the desk people.
Now I'm pretty pissed off. We waited to the 30 minute mark, and there was still little sign of any progress/life/intelligence or anything else happening at the desk.
Complete inertia. Like watching paint dry.
I got up, Marched over to the man (the branch manager) and told him I would be back tomorrow to close our account. He tried to stop me or apologize and I said "too late, see ya". Then I turned around, and as I was about to March out of the branch, I realized there were EIGHT other customers standing in line behind me to see the desk people!!
America's most convenient bank??!?!? If there were ever an open-and-shut case of false advertising! Geesh!
CONNECTICUT -- So my husband has had the same TDBanknorth account years before they were TDBanknorth and once we got married I was added to the account about 3 years ago.
We have been having money problems for about the past 6 months as I am sure many other people are as well. And we have overdrawn a couple times in the past 6 and we took care of the problems it was our fault and we paid the fees. We own up to that, but this last time was unbelievable.
I do online banking and usually when we have the money in there but its still unavailable they don't send the check out until the money is available. So I had deposited close to $1100.00 in my account on a Saturday, mind you I still had around $400.00 in my account.
Monday came I went online a sent out a check for our mortgage for about $1000 and there was about $500 available at the time w/ about $1000 still pending. So thinking their going to wait to send it out like they always do and not wanting to forget to send it out all I sent it out.
Next thing I know I have $350 in overdraft fees w/ about $300 in overdraft fees still pending. I call the bank to try to figure out what is going on and I got the rudest women ever but she was being rude in a snide condescending way.
She explained to me that when I sent that check out, someone from the bank reviewed my account and as a "courtesy" to me sent out the check before all funds were available. So in other words they took all the money that was available and some that wasn't and sent out a check, so all my and my husbands small debit purchases such as maybe $2.00 for a coffee kept racking up an overdraft of $35 each while there was still money in the account but unavailable.
So when it got down to being $123 in my account they whacked us w/ a $210 overdraft fee, then another $140 and like I said before $300 still pending in overdraft fees.
I asked the lady if someone had actually reviewed my account than they would have seen we have been having troubles for months and have overdrawn a couple times this year already, so why would they extend this courtesy now that they never extended before for such a large amount of money? And she couldn't give a good answer besides that it was my account and my fault and this was a courtesy they extended to us.
And I asked again why was this so called courtesy never extended to me before now and that all my checks weren't sent out until all funds available? And she gave me the answer that she doesn't know who held my checks for me before but they were not supposed to and I argued no one held them that it was always just done automatically online.
And then she rambled on how it was a courtesy that they did that and it was my fault again. I said I didn't want their so-called courtesy, that it was costing us money we don't have right now. And for the final time I heard that it was a courtesy the bank had extended and it was my fault.
So we went down to the bank to speak to someone in person. We got a regular bank teller and she told us that this was a complaint that they have been receiving a lot lately, and she listened to our story and told us that she could not help us out it was up to her manager. So we asked to speak to the manager and the manager would not speak to us right then and there. So we were told to go home and the manager would contact us by phone.
So we asked if they could do something to freeze the account, close it or something because we just didn't have the money for this. The teller than added up a total for us of what we would've actually overdrawn at this point if the courtesy was not extended to us. The total was about $40.00...They wanted to charge us over $600.00 for $40.00.
So we leave and about an hour later we receive a phone call from the manager saying she was not willing to help us out, and that if we did not pay the overdraft fees it will keep getting higher.
My husband pleaded w/ her that this was insane that a so-called courtesy is costing us this much money that we just don't have, it was double what we spend on groceries in a month for a family of 4. That we would pay some of it but we couldn't afford to pay that.
She then told him not to pay it and let it go to collections. And that if we tried to bring this to court we would never win. We don't want to go to court!! We just want them to work w/ us that's all. And so my husband asked how he could get a hold of her manager and got the response that she would just agree with her. And he said he didn't care he wanted to speak to her and she said she would have her call us.
We were never made to feel like we were such scum before in our lives. We are not bad people to be treated this way. We are a hard working family who has fallen on tough times just like so many others right now. And we were willing to try to give them some money but they wanted every penny that we don't have. This is still sitting as unresolved.
After we had talked to her my sister-in-law called to ask about Christmas and my husband explained what was going on. She then told us how she had a checking account w/ them and a savings account for overdraft protection w/ $200 in that savings account. She overdrafted by $20 one time and they never took money from the savings that was for overdraft protection and charged her $200 in overdraft fees!! And they refused to reason w/ her as well, and once again said that if tried bringing it to court she would never win. So being as frustrated as she was knowing she probably would never Win if she brought it to court and it would end up probably costing her more in the end, she had closed her account and moved to a new bank.
I don't understand how they can get away w/ stuff like this!!
I have been a TD Bank customer for more than two years. But I won't be much longer. They have screwed up my three accounts so many times, that it has become nearly a full-time job staying on top of it all. 20 minutes in one branch with seven staff and only two customers to make a simple deposit. Yucking it up and personal talk was more important than my deposit. Then when I left, I discovered she shorted me by $1,000. Back in for another 10 minutes. A simple check order started in early January, Went to the branch. Two sets of checks -- one for business and one personal didn't arrive after five weeks. Back to the branch. They called. No one could find one of the orders. The other order was found but the checks were not. Three days later the business checks arrived, Still no personal checks. Order those again and tell the manager I will pick them up at the branch. Then the manager informs me that the first set was at the branch for eight weeks, sent thereby mistake. The next call is that set three has arrived at the branch and they would be overnighted to me. They were. Then, 11 weeks after all of this started, the second set shows up in my mailbox. Meanwhile, amidst all of this confusion I made a big error. I paid a major bill out of the wrong account and overdrew it. TD loves this. They sent me a notice in the mail five days after the first overdraw. First time I knew about it. They brag about their technology and customer service but obviously intentionally slow down onj overdraws in hopes you will keep overdrawing so they hit you for $35 a clip. Sure, my mistake but they certainly took full advantage of it and made over $200 on the error.
Then there was the $%K trust account I opened for one of mu children. 75 cents monthly interest paid; $12 monthly fee. Took three months to figure out they pur us in th wrong account - had a $10K minimum.
Twof the last three months my online credit card payments (from checking to credit card transfer) did not register. $35 a pop for late payment. Just happened again today!
I could go on. But you get the picture. If, in fact, TD does stand for Toronto Dominion, I suggest that they go back to Canada and stiff their own people.
And, for all of this excellent service, they abolish their rebate of fees for use of other ATM's make us pay the other bank's ATM fees. So the use of a non-TD ATM just jumped from sero to five dollars or more. Found out two weeks after they changed the program and, of course, got hit with all of those fees.
ENOUGH, TD! I hope to hell that Congress investigates you and the rest of the croooks who run our banks. Congratulations on your earnings!
I've been on this site for a little over 2 months now and have seen complaint after complaint about people moaning about banks and their insufficient funds fees and trying to blame the bank for their own mistakes.
I am a single guy, and use my debit card every once in a while. Unlike women who can carry around a huge purse around and can hold their whole life in their purse, I do not. So I do not keep a register on me to write down every single transaction, nor go I have the time, or the energy to even try.
Every morning, I log onto my bank site and check my balances in my accounts. Well, a few days a go, I transferred a large amount of money from my TD Bank account to my ING direct account. As some of you know, ING had a higher interest rate on their savings accounts.
I was doing some shopping yesterday, and through my shopping, the recent withdrawal of the funds to ING slipped my mind. I found an X Box game that I really really wanted, and thought I would treat myself to it. After I made the purchase and was on my way home, BING! The ING transfer popped in my head. DOH!
I get home and saw I was in a negative balance. My direct deposit was going in the next day so I just crossed my fingers and hoped it would go through before the insufficient funds fee popped in. Of course I checked this morning and although the direct deposit came in, the fee was there too.....
Do you hear me complaining to TD bank? No. Its not their fault, its mine. I'm thinking about calling TD bank today just to see if I could try to get the fee waived since I've banked with them for a while. If not, I'm not going to be upset, I'll deal with the consequences. It was MY fault, no one elses. People need to realize this.
WINNIPEG, MASSACHUSETTS -- I've never had issues with paying for my TD Visa in the past, but this year has been difficult. My husband and I have actively been searching for work with no luck and had to use our credit cards to live on. I just received a letter from TD that I can no longer use my credit card and that a retailer has the right to cut it up in front of me, if I try and use it. I also have been plagued by TD calling our home at least 25+ times a month, and every Saturday between 7:30-8-30am! NOT COOL! I've had my TD Visa for over 10 years, and because I haven't been able to make a payment in a few months, this is how I'm being treated...despicable. Once my husband and I are back up on our feet, I will be switching banks because I don't deserve this crap their giving me.
I'm fed up. No compassion at all..If anything, they've heightened my stress level by +10 from their harassment. I hope that they loose every customer they have. They don't deserve to be in business, if this is the way they treat their long term customers.


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Message in bottle connects young girl with Hawaii researchers
UPDATED 9:23 AM EST Dec 02, 2013A young girl from Japan and researchers at Kure Atoll in Hawaii have become friends.
Video TranscriptIt's a connection made between two countries that has -- quite literally -- taken flight. A young girl from Japan and researchers at Kure Atoll have become friends. And as KITV4's Jill Kuramoto reports ... It all began with a message in a bottle. The letter reads: "Dear Someone who has picked up this bottle. Hello. My name is Rumi." 18:37:17 EVEN THOUGH ITS UNFORTUNATE IT IS TRASH, IT CAN BE EXCITING. 18:37:20 AND THIS ONE JUST HAPPENED TO BE 3 PIECES OF PAPER LYING ON THE BEACH. 18:37:25 Ilana Nimz found the letter in early January among the pile of marine debris that regularly washes up on Kure Atoll. It had broken free of the bottle -- but amazingly had survived 7 years in the ocean. 18:38:05 I FOUND OTHER BOTTLES AND I HAVEN'T GOTTEN A RESPONSE BACK. BUT THIS ONE WAS JUST REALLY ADORABLE. 18:38:11 Rumi Sugimoto was a sixth grader in Kagoshima, Japan when she and her classmates tossed the bottle into the ocean. Since the discovery... Ilana has been communicating with the young girl. 18:40:19 THE LAST EMAIL HAD A PICTURE OF THE VOLCANO IN KAGOSHIMA AND HOW THERE'S A BUNCH OF ASH. SO I GOT TO SHARE HOW WE HAVE VOG CURRENTLY. MAYBE IT'S NOT QUITE AS BAD AS IN KAGOSHIMA, BUT WE HAVE THE SAME KIND OF IDEA. SO ITS FUN FINDING THESE LITTLE CONNECTIONS. BETWEEN OUR TWO HOMES. 18:40:41 Another connection now exists. One of the ten black-footed albatross Kure Atoll biologists are tracking is named after Rumi. 18:44:03 YOU KNOW THE ALBATROSS GOES ALL OVER THE OCEAN AND SO DID THAT BOTTLE. 18:44:07 Trackable trash like this actually provides useful information for scientists -- such as ocean currents that give a picture of what's happening in the Pacific gyre. Proving more than an expanse of water... the Pacific is building international connections. Jill Kuramoto, KITV4 News. Ilana says... Rumi is now a college sophomore studying social science at her local university. She wants to become an elementary school teacher and hopes to teach her students about Kure Atoll
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

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Why does Ubuntu+Fglrx hate my system!? still
fresh install of Ubuntu. generate pkgs with 10.5 installer machine freezes once again. b4 ever even launching X, so no Xorg log file...
I'd be less mad about ati if the driver worked at least once in ubuntu.. which is the most pop dist.. I don't get it.


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Croco Luggage on Wheels
ITEM: 9915 Two travel pieces in one for breezy travel. First it's a sleek, patent croco carry-on on wheels. Use the double handles and you have a great tote bag with inside and outside zippered pockets. 14"h x 15"w x 6"d. Imported.Learn MoreRegular Price: $60.00
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Urologic Diseases Research Updates
Winter 2013
Would you like to know more about NIDDK-supported research?
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NIH Publication No. 13–5743
January 2013
Page last updated January 31, 2013


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Reunion Island's Jeremy Flores looks so comfortable in the tube — like lounging on a lazy boy
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Article ID: 2630837 - View products that this article applies to. On This PageINTRODUCTIONMicrosoft has released security bulletin MS11-086. To view the complete security bulletin, visit one of the following Microsoft websites:
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- Studio: Weinstein Company, The
- Release Date: Nov 16, 2012
User Score
Universal acclaim- based on 797 Ratings
User score distribution:
Positive: 747 out of 797
Mixed: 25 out of 797
Negative: 25 out of 797
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Feb 5, 2015This review contains spoilers, click expand to view.
Nov 23, 2014Silver Linings Playbook is a bit overrated. Robert De Niro is really the only actor that I enjoyed in the movie. Bradley Cooper and Jennifer Lawrence were both annoying stubborn characters, they did develop as time went on but It was too late for me to forgive them. It wasn't awful but I found it fairly boring at times.
Nov 23, 2014Silver Linings Playbook es una película llamativa con grandes actuaciones por parte de todo el reparto, en donde combinan muy bien Bradley Cooper y Jennifer Lawrence. En general es una gran comedia romántica.
Nov 22, 2014
Oct 25, 2014it is rubish film that a man who love spouse that married with person that sex with 11 person and her father the act is very bad. robert deniro think he play in the gang movie but in film he is a father that love sport and bet. he is leader not boss of the gang
Sep 1, 2014Not only do Bradley Cooper and Jennifer Lawrence give two of the best performances of the year, the film is a romantic masterpiece. Between first-rate writing and an ensemble-to-kill, The Weinstein Company has a gem on their hands.
Aug 9, 2014
Jul 9, 2014This movie has to be my all time favorite romantic movie. First off its completely unique from all the romance movies that has been thrown at us over the years. Its funny its emotional its cute and its definitely one of a kind. I never get tired of watching this movie
Jul 3, 2014Even though the acting is great, no one can deny that, the story simply fails to keep you interested through out. I wanted to like it but I simply couldn't. It was an awkward comedic drama that just wasn't funny.
Jun 4, 2014This movie captures life as it is. It shows the dark sides and it shows the things everyone has do deal with in ones life. But it also encourages to look beyond that, to see that there are happy times following the bad. Silver Linings Playbook is such a worthy title, it expresses the imperfections of life and the ways life has. Fantastic movie, absolutely worth checking out!
May 29, 2014
May 25, 2014
May 2, 2014An Academy Award deserving script, that manages to make us laugh, cry and even hate/love the characters in the movie, played by the best and most talented Hollywood stars today. Russell has created art and magic, by far the best movie of 2012.
Apr 7, 2014Writer / Director David O. Russell as always give us heartwarming movies like example american hustle . this movie is a whole lot of heart warming and love . that is a classic David o russell film . Grade A
Mar 27, 2014I dont know why people are over rating a romatic comedy film and i really dont know why it had eight oscars nominees, the movie have anything at all, i dont like it.
Mar 13, 2014A very good film. Both Bradley Cooper and Jennifer Lawrence did an outstanding job in their respective leading roles. It was entertaining and very original especially for a romantic comedy. It certainly is a movie that will be remembered as being a the top of the genre.
Mar 12, 2014
Mar 7, 2014The chemistry of the cast cannot be beat and the performances are top notch that make this a very enjoyable look into the lives of those with mental illness. I give this a solid 77.1 out of 100.
Mar 3, 2014
Feb 19, 2014
Feb 8, 2014that's amazing love story..i feel it's not just a 2 hours movie it's like a book including 500 page..the relations and conversation was very real...i believe them..i believe the love between tiffany and pat
Feb 6, 2014
Jan 18, 2014I almost expected Bradely Cooper to run in place and slap his face ala "curley" of the three stooges every time he was about to flip out. Overly contrived and as a person who worked with mentally ill people for nineteen years, this movie does not come close to real mental illness.
Jan 11, 2014A surprisingly touching and lively movie, which makes you think about the surrounding life in a more positive way. I liked the story and the performance of ALL the actors was top notch. This movie should not be missed.
Dec 7, 2013It is a really interesting movie. It makes you to be attached to the screen from the first minute. I really appreciated Jennifer Lawrence's performance, her character's emotional changes were sensational during the film.
Nov 30, 2013Jen and Brad are outstanding and display remarkable chemistry. Among one of the best films in years. It is meaningful and hilarious and has a wonderful supporting cast. I just love it.
Nov 14, 2013Took a little bit for me to get into it, but once I was in, I was hooked. Bradley Cooper and Jennifer Lawrence are phenomenal, and overall, the film is just incredibly touching and heartfelt. Really good film.
Oct 25, 2013this movie brings a fresh air to the romantic comedies because with a simple story and great performances especially lawrence can conquer the public..
Oct 23, 2013
Oct 5, 2013This film contains so many beautiful scenes and show us that there is realism because we can see ordinary people's problems. Also, Jennifer Lawrence, Bradley Cooper, Robert De Niro and Jacki Weaver played every character fantastically. I'm not a fan of David O. Russell but I have to admit he did a good job at directing.
Sep 22, 2013
Sep 9, 2013
Aug 17, 2013
Aug 12, 2013
Aug 11, 2013I loved this film. It has a unique sense of style. It's amazing. Jennifer Lawrence's character was great. And Bradley Cooper was great, the same goes with Jacki Weaver and Robert De-Niro.
Aug 10, 2013One of the best movies i have seen! It totally worth the 2 oscars. The movie was fantastic, the actors where great and the overal story was really good! Oh and one more thing, Jennifer Lawrence was gorgeous!
Jul 27, 2013
Jul 27, 2013Silver Linings Playbook. Where do i even begin? This is one my favorite movies of all time!!! its a hilarious, moving, dramatic piece of cinematography. All of this plus the amazing performances by Lawrence, Cooper, and all of the rest! this movie never ceases to entertain!!
Jul 18, 2013
Jul 7, 2013
Jul 7, 2013
Jul 2, 2013
Jun 26, 2013
Jun 22, 2013Magnificent chemistry between Cooper and Jennifer define this heartwarming romantic drama. Solid writing and pacing make it an absolute joy to watch plus one of Robert Di NIro's finest performance acts as icing on the cake! Totally worthy of all the praise and accolades
Jun 20, 2013Outstanding film.Jennifer Lawrence was outstanding in this film.Jennifer Lawrence won well-deserved award.Robert DeNiro and Bradley Cooper were outstanding too.Jacki Weaver was good but she didn't deserve the nomination.David O. Russell wrote amazing screenplay.
Jun 19, 2013
Jun 18, 2013My second favorite film of 2012. A movie that deals with the issue of bipolar disorder in a way that shows the way it can change someone's life, but also shows a funny and romantic side.
Jun 18, 2013Silver Linings Playbook is cute, sweet and really good, with an amazing acting, and a fitting cast, the story is original somehow, and some scenes are really intense, the movie is more of a talky, but overall it is one of the best movies of 2012.
Jun 14, 2013
Jun 4, 2013I really liked this movie, it's not the usual romantic comedy. The plot is really entertaining but what I enjoyed the most is the acting, Cooper is great but who really surprised me is Lawrence, totally amazing.
Jun 4, 2013"A truly terrific and humorous movie all across the board. Bradley Cooper and Jennifer Lawrence shine in there best performances to date. Its a movie we all can feel good about and walk away with a great message. David O Russel is truly a genius" A-
Jun 1, 2013
May 31, 2013It is funny, intense and a different Romantic comedy than others, it is creative and smart, with amazing plot and great acting coming from Cooper and Lawrence, I enjoyed it as a stand out, and positively different than other Rom-Com
May 30, 2013I really enjoyed this movie. The main actors selected were perfect. I thought it was fun and light-hearted. It had some real-life issues that a lot of people deal with, like death and split-up marriages, so I think many people can relate. There is always a silver lining to any situation, and this movie explains this exactly.
May 30, 2013
May 27, 2013
May 22, 2013A great film that isn't afraid to have a main character who is a little off his rocker.
Bipolar disorder, OCD and other mental illnesses are far too common in life, and rarely seen in the cinema.
To take characters, give them real life problems, and throw them into a romantic genre film and let them scream, fight, dance, and love is to bring those characters to life. Bravo. -
May 22, 2013
May 21, 2013It is too rare that a movie manages to achieve more than double as much of all feelings by the first half than another one of its genre. "Silver Linings Playbook" is not only a fantastic movie with wel-shot scenes and amazing casting, but in also makes you feel with the characters for whom you actually start to feel some sort of sympathy. 10+ for sure.
May 21, 2013It's Oscar nominee for best picture of the year that fact alone matters great deal, outstanding acting(Bradley Cooper delivers his best), interesting and very realistic story makes you care about it's characters! This is must own
May 19, 2013Jennifer Lawrence is one of the best actresses of her age.
In this movie she acted awesome as always!
Just sometimes the movie is a little slow-moving but in conclusion its a movie with great actors and many funny moments! -
May 18, 2013This movie is really good.Even though it is kinda predictable,it has a great story,interesting characters and shows how people can change from crazy to normal.
May 10, 2013The film tackles a thematic adult and complicated, difficult to approach, but in the hands of The Russell emocinantemente it is comical and vulgar because several expletives, but performances by Cooper and Lawnrence make everything very sensitive and funny.
May 6, 2013
May 4, 2013
May 4, 2013Silver Linings Playbook is wonderful. Everybody and I mean everybody acted brilliantly. Bradley Cooper and Jennifer Lawrence complement each other perfectly, which made the movie believable. The film strikes a good balance between humor, drama, and quirkiness.
May 1, 2013
Apr 26, 2013Very nice movie. My girlfriend make me watch, but what a good surprise.
I think the history was well prepared with drama and some fun. The actors fit on it very well.
That movie worth. -
Apr 19, 2013I love this movie so much, both my best friend and I have seen it more than once at the cinema. It's primarily a drama, not a comedy as some people have advertised. Best drama I have seen.
Apr 18, 2013
Apr 14, 2013This film should have won Best Film at the Oscars in my opinion. I absolutely loved this movie and the acting of the wonderful cast. It was just amazing seeing the portrayal of these emotional characters on screen.
Apr 2, 2013This movie was a joy to watch; Jennifer Lawrence and Bradley Cooper were fantastic and i was especially pleased to see Deniro playing a more interesting character. Highly recommended!
Apr 2, 2013
Mar 30, 2013actually to be honest i did not find and exiting thing in the movie there is no good (script ,bad actors except Bradly .bad music bad director )but the most exciting thing for me how Jennifer won the oscar.
i do not trust in Oscar nomination. -
Mar 26, 2013This review contains spoilers, click expand to view.
Mar 24, 2013Tiffany Maxwell is clearly an Oscar worthy character. The film, however, appears to be missing something.
Mar 15, 2013This review contains spoilers, click expand to view.
Mar 2, 2013David O.Russel is a genius perfect writing beautiful story really likebale characters and an inforgatable performences by the actors especially jennifer lawrence and bradely cooper who proove to be one of hollywood strongest performers, really worth watching
Feb 28, 2013This review contains spoilers, click expand to view.
Feb 28, 2013This movie had me smiling all the way through. All the characters are full of life and energy. They're all a little crazy, even the sane ones, and I think that describes us all.
Feb 27, 2013
Feb 23, 2013This is a most enjoyable, convincing, thoughtful and true to life comedy/drama/romance about a dysfunctional family. There's an excellent screenplay, direction and four strong acting performances in this film. Jennifer Lawrence's performance is especially impressive.
Feb 23, 2013This is a comedy of category A, this love story between 2 people with mental health problems makes that the Viewer is love, at a certain point no I thought it was the best movie of the year, but if offers the best deal with the best performances of the year, mainly Lawrence, Cooper and De Niro.
Feb 22, 2013
Feb 22, 2013
Feb 22, 2013Incredible movie. Cooper and Lawrence could both be up for an Oscar for this puppy. The development of Cooper's character is given with care and validity. My only gripe is the betting of the football game and dance. That seemed a little cliche.
Feb 21, 2013
Feb 18, 2013
Feb 17, 2013'Silver Linings Playbook' is the best romantic comedy of the year, holding up with a plot that some crazy characters, I can only say that is insanely good. Bradley does its best to deliver a great performance, but make no mistake, the film is Jennifer Lawrence.
Feb 13, 2013This review contains spoilers, click expand to view.
Feb 11, 2013Really loved this movie as a whole. Lawrence and Cooper showed great chemistry together and were able to craft a story that epitomizes balancing crazy with even more crazy. Felt like a genuine story about life and how we all need a little bit of abnormality once in a while.
Feb 8, 2013
Feb 8, 2013Really enjoyed this movie. The chemistry between Cooper and Lawrence is great as well as the supporting cast. It comes as the highest compliment from me that you forget you're watching actors, but rather real people. Neither the comedy or drama aspects ever feel stale and you are in it for the whole ride.
Feb 8, 2013Annoying camera work, annoying characters, annoying actors, and annoying plot. I wouldn't be surprised if these actors actually act like their characters in real life. There's no point to this film.
Feb 4, 2013
Feb 3, 2013
Feb 3, 2013
Feb 2, 2013One of the best movies this year. Top notch performances from every cast member. Sad and funny at the same time. It gets a little bit unrealistic around the last part, but I like it anyways, because when the movie ended I felt good, and there is nothing more to ask...Now we should go and find our silver linings too.
Feb 2, 2013I loved this heartwarming movie that makes you feel good without it getting all syrupy. At the heart of the film is wonderful acting with both Jennifer Lawrence and Bradley Cooper delivering great performances. Also take note of the sound track featuring a duet between Bob Dylan and Johnny Cash.
Jan 30, 2013
Pretty much a miscalculation from beginning to end. [26 Nov. 2012, p.87]
Likable, watchable and has a nice supporting turn from Robert De Niro; I'm not sure I wouldn't rather watch this again than the macho acting in Russell's boxing drama "The Fighter."
A funny, believable film about the ability of even the damaged and imperfect to earn a little happiness.


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this wiki
editMorio [1] | |
(モリオ, Morio) | |
Debut | |
Manga | Chapter #539 |
Anime | Naruto Shippūden Episode #278 |
Appears in | Anime, Manga |
Personal | |
Gender | Male |
Age |
Height |
Affiliation | |
Rank | |
Ninja Rank |
He is an Iwagakure shinobi.
He first appeared to be a suspicious individual, lurking about the medical compound and hiding in the shadows, but, in reality, is a soft-hearted, albeit shy individual, and ever since Sakura treated his wounds, he became infatuated with her, and in fact, even gave her a love letter. Sakura kindly refused the love letter saying that her heart was already taken.
He has black hair, eyes, and wears the standard Iwagakure flak jacket and one sleeved uniform, which is half torn. He also wears the standard forehead protector of the Allied Shinobi Forces. His hand was injured during the war and is in a cast.
Part II
Shinobi World War Arc
He was first seen in the compound of the Logistical Support and Medical Division, being healed by Sakura Haruno. Shortly after his arrival, Neji Hyūga spots him lurking outside the barracks several times. He later goes back to the tent where Sakura is in and hands her a love letter, saying he couldn't stop thinking of her after she tended his injuries and that he wanted her to have the letter because he did not know if he was going to survive the war. Sakura thanks him, but tells him that there is already someone she likes. Upon hearing this piece of news, he apologises for the trouble and tells Sakura that the one she adores must be a lucky man. After leaving the tent, he sighs disappointedly.
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On this day: March 1
POSTED: 12:32 PM PST Feb 27, 2013
UPDATED: 11:00 PM PST Feb 28, 2015
Salem is gripped by witch hysteria, Yellowstone becomes the world's first national park, the Lindbergh baby is kidnapped, and the Watergate Seven are indicted, all on this day.
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Kodak Kiosk: BOGO Free 5x7 Photo Greeting Card
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Regency Storage Bench
Overview & Details
- Upholstered storage bench.
- Storage bench upholstered over thick polyurethane foam padding for a plush seating experience.
- The bench features a durable, solid pine frame and hinged lid.
- Simple assembly.
- Measures 38.5"L X 18.5" D X 19.5"H.
- USA/imported.
- Please allow 3-4 weeks for delivery.
Styled with tailored upholstery and handsome nailhead trim, our sophisticated Regency storage bench features exquisite details throughout. A well-appointed piece of furniture, this Regency storage bench does double duty by offering two valued purposes: it provides comfortable, cushioned seating and ample storage—two things a home always needs.
Upholstered by hand over thick polyurethane foam padding, this plush Regency storage bench offers inviting comfort every day of the week. Whether you're putting on your shoes, chatting with your spouse or reading the paper, the extra seating on this storage bench always comes in handy. Plus the bench's generously sized interior makes it an ideal place to store a wide variety of items, like extra blankets, linens, books, towels and more. A versatile essential, this Regency storage bench is a great addition to your bedroom, living room or any room in your home that is need of additional storage space or seating. Constructed with a solid pine frame and a hinged lid, the bench will quickly become a cherished piece of furniture.
In addition to providing two useful purposes, this well-crafted storage bench adds a decorative finishing touch to any room. A durable pick that will hold up very well over time, this must-have Regency storage bench has endless purposes. The bench requires simple assembly.
Regency Storage Bench
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Review: London Dock Rum (Favell's 100 Proof)
Posted by Arctic Wolf on June 3, 2012
Favell's London Dock Rum is (according to the label anyways) blended and bottled in Canada for White Favell (Vinters). The Canadian agency responsible for blending and bottling this rum is the Newfoundland and Labrador Liquor Corporation (NLC).
The label tells us that London Dock is a Demerara Rum produced in Guyana; therefore I can deduce that the rum was distilled on the East Bank of the Demerara River at the facilities of Demerara Distillers Ltd. (DDL). (This information was confirmed to me by both the NLC and Demerara Distillers.) It is apparently produced from original marques of rum which in the past would have been shipped to England to mature in the London Docks, hence the name London Dock Rum. Of course, the rum no longer travels to England to mature, rather it travels from Demerara County in Guyana in bulk to St. John's Newfoundland to be blended bottled by the NLC. London Dock is an old style Demerara rum, with strong flavours of molasses and treacle.
(I was given a sample bottle by the NLC for the purpose of a review here on my website.)
Here is an excerpt from my review:
You may read the full review here:
Review: London Dock Rum (Favell's 100 Proof)
As well please enjoy my suggested cocktail, the Cosmopolitan Rum Swizzle!
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Churchill Downs officials said May 6 that Uncle Mo has been scratched out of the 2011 Kentucky Derby Presented by Yum! Brands, taking place May 7 at Churchill Downs in Louisville, Ky.
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Directed by:
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Tommy Lee Jones,
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Topic Hubs
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News Articles About These Topic Hubs:
Accidents - Prevention / Air pollution / Alternative technologies / Aqueous solutions / Bactericides / Benzene / Best management practices / Boilers / Carcinogens / Case studies / Chemical cleaning / Detoxification / Disinfection and disinfectants / Economic impact / Education / Efficiency / Emissions / Employee safety / Energy consumption / Environmental protection / Environmentally safe products / Federal government / Greenhouse gases / Hazardous waste management / Health effects / Health facilities / Heat cleaning / Hydrogen peroxide / Indoor air quality / Industrial design / Industrial equipment / Isocyanates / Laws and legislation / Lead abatement / Medical instruments and apparatus / Metal cleaning / Metal coating / Occupational safety and health / Overspray / Paint / Paint removers / Recycling (Waste, etc.) / Risk management / Safety measures / Toxic chemicals / Tumors / United States. Environmental Protection Agency / United States. Occupational Safety and Health Administration
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Auto Refinish Project Best Practices Kit
Abstract: Checklists and fact sheets on painting topics including: sanding, solvent wipe down, paint mixing, spray painting, spray gun cleaning, health and safety management and working with isocyanates.
Source: EPA
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Automotive Refinishing Pollution Prevention Outreach Program - Results
Abstract: This case study presents the results of two P2 measures; the STAR training and the use of LaserPaint spray guns in five California auto body shops. Paint use dropped by up to 45% (as well as paint costs and emissions) as a result of these strategies.
Source: California Air Resources Board
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Case Study on Industrial Boilers: Boiler Blowdown Heat Recovery [PDF]
Abstract: This case study discusses the possibility of recovering the heat from the boiler blowdown cleaning process and using it to preheat the feedwater. This process was installed at an Augusta Newsprint plant and was found to save $31,000 dollars annually.
Source: Department of Energy
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Ethylene Oxide (EtO) Sterilizers [PDF]
Abstract: Fact Sheet: Background of regulations concerning EtO. Presents alternatives that can be used. *Note that hospital exemption is no longer valid.*
Source: Hazardous and Medical Waste Programs, Aberdeen Proving Ground, MD
URL: http://www.drozek.us/documents%20on%20Web%20site/Teaching/ar
Ethylene Oxide Fact Sheet [PDF]
Abstract: Fact sheet written to give employers the information they need in order to manage staff exposure to EtO.
Source: OSHA
URL: http://www.osha.gov/OshDoc/data_General_Facts/ethylene-oxide
P2RX Hospital Sterilizer Topic Hub
Abstract: This website gives extensive pollution prevention information and resources for the hospital sterilizer sector. The focus of this website is air pollution emission reduction in anticipation of the area source rule regulating EtO.
Source: P2RX
URL: http://pprc.org/hubs/toc.cfm?hub=1008&subsec=7&nav=7
P2RX Auto Body Topic Hub
Abstract: This website gives extensive information about pollution prevention for the Auto Body sector, including case studies, guides and fact sheets as well as a long list of useful links.
Source: P2RX
URL: http://www.p2rx.org/topichubs/subsection.cfm?hub=5&subsec=1&
The Topic Hub™ is a product of the Pollution Prevention Resource Exchange (P2Rx) The P2 for Area Source Categories Topic Hub™ was developed by:
Hub Last Updated: 9/24/2012 |


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Recipe by SONNINGALE
"This is an old time South Dakota recipe. Cocoa is an optional ingredient. This recipe is made in two parts."
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1/2 cup butter
1/2 cup brown sugar
1 1/2 cups all-purpose flour
3 eggs, beaten
1 1/2 cups brown sugar
1 teaspoon vanilla extract
1/4 cup all-purpose flour
1/4 cup unsweetened cocoa powder (optional)
1 teaspoon baking powder
1/4 teaspoon salt
1 1/2 cups flaked coconut
1 cup chopped walnuts
This recipe, we've always known as ITALIAN BROWNIES... Not sure where that name came from... Mom makes these every year at Christmas. One nice adition is to sift powdered sugar over the top... for a pretty display. (also sweetens 'em up a bit)... 3 eggs 3 Tbsp. flour 1/2 tsp. baking powder 2 1/4 C light brown sugar 1 C chopped nuts 3/4 C flaked coconut is my Mom's amounts, but Dream Bars II turns out really delicious too... and less sugar.. :) (makes up with the flaked coconut, which is loaded with sugar) so either way, it's about the same. Thanks for a good recipe.
Not as tasty as I had hoped. A little bland, but I think changing the ingredients slightly would help a lot. Something needs to make it sweeter.
11 Ratings
I used the cocoa version and loved the flavor! I liked the coconut in it as well. Really yummy, but to be honest, I prefer brownies over these.
Increased all the ingredients by 1/4 to make a jelly roll pan for a potluck. Also added a package of butterscotch chips. Baked the crust for 10 minutes and the bars for 20. They were fantastic! Thank you for a great recipe!!!
My husband loved this! Was looking for a particular Swedish dessert he liked that incorporated coconut and cocoa and found this. Not the same one, but he loved it all the same! Quick and easy to make. Whipped some cream and added some vanilla sugar and sugar into it to make really sweet. Used cocoa in this one.
made these for a few gatherings and they have been a big hit. Several have asked for the recipe. (made them without the cocoa)
I made these today for the first time and love how easy and fool proof they are. These hold together well and taste great -- two requirements I have for a good bar cookie recipe.
I found that the crust remained crumbly and didn't stick to the top layer. The second time I made the recipe I just greased the pan and skipped the crust. Instead I poured the batter directly into the pan and baked for the indicated 30 minutes. In this version the recipe makes a wonderful batch of brownies.
* Percent Daily Values are based on a 2,000 calorie diet.
Dream Bars II
Serving Size: 1/24 of a recipe Servings Per Recipe: 24 Amount Per Serving Calories: 192 Calories from Fat: 86
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See how to make simple, scrumptious blueberry bar cookies.


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So much to do; so little time
Delaine FragnoliManaging Editor5/5/2010The weather in Plumas County may have been spotty lately, but our cultural offerings have been sunny and bright. Every once in awhile, I am amazed anew at what all we can pull off when we want to. Over the last month, I have attended so many varied events that I have almost lost track. Bear with me as I recount a few.
First up was Taste of Plumas. I was quite content by the time I waddled out of the fairgrounds after sampling great food from restaurants around the county. I now have a must-try list of several restaurants the next time my travels take me to opposite ends of the county.
That gourmet gluttony was followed the next week by a reading and workshop by noted author Ariel Gore at Feather River College and a yoga workshop at Whitehawk Ranch. That weekend included two performances of dramaworks' delightful version of "Willy Wonka."
Then it was off to the All County Jazz Night, where jazz bands from county high schools performed for an enthusiastic crowd. I took my trombone-playing daughter to that for inspiration.
A trio of Earth Day activities followed. Rain didn't dampen spirits at the festival organized by Feather River College students. A film, "People of the Amazon," and lecture by the film maker on environmental activism lured me to the Town Hall Theatre the next night. I ended the week at Will Lombardi's talk on John Muir's Feather River journeys, but not before I took in dinner and an art show by FRC students at Pangaea.
The events just didn't let up. I sampled one of the Lunch and Learn lectures, this particular one on Nepal, offered by the Plumas County Library. For upcoming topics, see our Events Around Plumas County calendar.
Then last weekend, my daughter and I attend the High Sierra Community Youth Orchestra spring concert, which followed on the heels of the Plumas County Museum's "Black Bart Rides Again" presentation.
I list all of these to give you an idea of the quantity, quality and variety of cultural offerings we're blessed to have here in Plumas County. And those were just the events I made it to. There were many more to choose from. There was the quilt show in Portola I didn't get to and the Ancient Mudras and Sufi Meditation (doesn't that pique your interest?) at the yoga center in East Quincy.
There's no sign of things slowing down. In the next week alone, FRC presents "Oklahoma," Plumas Arts hosts a Downtown Art Walk in Quincy, the library has another Lunch & Learn lecture (this one on Mayans in Guatemala) and the Portola Rotarians serve up a chili cook-off.
What's interesting to me is that all this cultural hustle and bustle doesn't leave me tired - it leaves me inspired and energized. Give me more! Bring it on!
And it leaves me grateful. An amazing amount of unpaid and underpaid work goes into so many of these events. I applaud all of you who have helped support and organize these recent and upcoming events.
That we have so many groups and individuals willing to give of their time, their talents and even their own cash speaks of a kind of richness of soul that many more-populated and affluent counties would have trouble matching.
For most of us, all we have to do is show up. A number of these events are free, low-cost or donation-based. All we need bring is that energy and inspiration I mentioned earlier. The artists, writers, musicians and performers feed off of our enthusiasm. This is how we build a vibrant cultural life together.
So I ask you - take that back - I exhort you to get out there and breathe in what Plumas County has to offer. Engage. You just might find yourself contemplating your own lecture, show, concert ...


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20th C. Articulating Task Lamp Pewter
- No Longer Available -
With its no-nonsense design, our articulating task lamp replicates an early 20th-century original in exacting detail.
- Crafted of metal, with a solid base, L-shaped post and articulating top arm
- Holes in base are modeled after the original design and are decorative only
- Finished in black or raw pewter
- Fabric-covered cord with on/off switch on shade
- Includes one 7W LED bulb (60W incandescent bulb equivalent); 60W max.
20th C. Articulating Task Lamp Pewter
- 6½" diam. base; 13-18"W x 27"H


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February 27, 2012
Michael Langston Warchant.com
Florida State hosted its second junior day of the year on Saturday. In the second part of the Junior Day Wrap, Warchant.com caught up with RB Jordan Huff, LB Brad Minter and OL Austin Golson. ...More... To continue reading this article you must be a member. Sign Up Now!
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$ 270.00
Approximate size: 2.28 x 0.67 x 2.24 x 5.12 inches
A square and strong design, ideal for every occasion. The Swanflower® motif is enriched by little pearls and crystal pavé, adding a touch of elegance and sophistication. Frame and temples in injected material, lenses in nylon 6 base, sun protection: high (category 2/3).
Article no.: 5003128


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Genelec Debuts Speaker Configuration App for iOS
The new SpeakerAngle app allows users to configure and match the angling of stereo and surround sound systems.
Buying new speakers can be awesome. Setting them up is, well… sometimes not so awesome. Genelec is hoping to take some of the pain out of the process with its new SpeakerAngle app.
Designed in conjunction with AudioApps, SpeakerAngle works with the iPhone 4 and later, the iPad 2 and later, and the fourth-gen iPod touch and later (sorry Android-ers!). Once you have the download, the app should be able to help you set and match the angling of either stereo and 7.1 surround sound speakers.
The best home theater system is the one you plan with help from the experts. Get premium advice for FREE in our expert guide, Planning the Best Home Theater System: Choosing the Best Home Theater Projector, Best Home Theater Speakers, Best Home Theater Receiver, Best Home Theater Screens & More.
Just choose between stereo or surround and place your iOS device of choice on top of the speaker you want to angle. From there, touch the on-screen icons and start manually rotating the speaker. Boxes below each icon display the speaker's angle. Once you hit industry recommendations, the color of the box will change. Confused? The app also features a step-by-step tutorial.
"The new Genelec SpeakerAngle app is a convenient and intuitive way to quickly set and confirm the angle of your speakers in your listening environment," stated Will Eggleston, Genelec USA's marketing director. "This is a perfect tool for home theater owners, recording engineers, system installers and anyone else working to get optimum sound from any loudspeaker system. The possibilities are exciting, and we look forward to audio enthusiasts everywhere putting it to good use."
The SpeakerAngle app is available now at the iTunes App Store, for just 99 cents.


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Nikon D3200 Digital SLR Camera Body + 18-55 Nikkor VR Lens + 3 Lens Kit + 16GB + Flash + Battery - Nikon D3200 18-55MM 16GB PROKIT
Learn more about Nikon D3200 Digital SLR Camera Body + 18-55 Nikkor VR Lens + 3 Lens Kit + 16GB + Flash + Battery:
Additional Rapid Charger for Car and Home This Battery Charger is used to recharge your digital camera battery, it is quick charge with automatic constant current control, prevents battery from overcharging, short circuit, and electronic shock. The Battery Charger can used both for home, office and car. A/C power supply input voltage: AC100V~240V Bright Night SLR Slave Flash With bracket Every photographer knows that a quality flash unit is an essential component to taking great pictures. Built-in flashes simply don't have enough power to properly illuminate most subjects, and typically produce harsh shadows, red-eye, and other undesirable effects. An external flash offers far more power and versatility, resulting in consistently better pictures! Premium Tripod Multipack Kit Full Size 50" Tripod With Leveler 360 adjust & Case Want to relax and take time shooting ? Not worry about your shots being leveled ? adjust shots with a swivel instead of an adjustment ? If the answer to all these Questions are YES this is the item for you!! The 50-Inch Photo and Video tripod features a special carrying handle as well as a professional grip. With its self leveling rubber leg tips it offers a great floor grip for positioning and built in bubble leveler to give you a leveled shot. Capability for a 360 degree spin with its 3 way pan head doesn't hurt for convenience. There are bracing sections to adjust Tripod size and an additional Bonus of Tripod case. What else can you ask for as a free bonus with your purchase . (10 Year Manufacture Warranty ) Mini Flexible Taple Top Travel Tripod with Pocket clip We realized to take a quick snap shot anywhere with your camera is a hassle to keep the camera sturdy with a table top tripod you can pull it out instantly or leave attached to your product for that Quick Snap and Go picture. A focused leveled camera's shot and a wobbled shot is a big difference. This handy little tripod also can keep you in the picture. Place your camera on the Tripod and use the camera's self-timer, or a remote shutter release and you are in the picture for a great crisp-sharp shot. Deluxe Camera Cleaning And Protection Kit Deluxe Camera , Screen & Lens 5pc cleaning Kit It's obvious that the cleaner the lens and camera sensor, the sharper your pictures will be. Dirt, dust, and fingerprints will degrade the image quality of even the finest optics. However, it's equally important to avoid using incorrect cleaning materials which can permanently damage your photo equipment. The 5 Piece Camera and lens Cleaning Kit. consists of soft-texture fiber cloth, 5 cotton swabs, a bottle of cleaning fluid, soft lens tissue paper, and top quality blower brush. It easily fits in your camera bag so you can take it anywhere with you easily. It is perfect for an on-the-spot camera or lens cleaning and is approved by the manufacture to use with your item Deluxe Screen Protector Pro Pack (Clear ) Purchasing any item everyone always knows the LCD screen or glass screen is an imperative part of the electronic device always the first to get damaged. Easy solution for you !! Deluxe screen protectors are perfect for digital camera screens, cell phone screens and game player screens. screen protectors are included with a squeegee to smooth them out and remove air bubbles. They can be cut down to size to fit any screen from 1" to 5". The extra clear layer on your device will not only protect it from Sun damage but will also protect from Nail Scratches, finger smudges and many other contact damage to the screen point of your device. The Clear Quality Kit touch safes your device. |
What's in the box


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July 29 Tropical Weather Update
Published 10:29 AM CDT Jul 29, 2013
Here's the latest on the remnants of Dorian and the rest of the tropics from WDSU Exact Weather Meteorologist Kweilyn Murphy.
Download the WDSU Hurricane Central app for iPhone or the Android for constant hurricane updates.
Sign up for our email newsletters to get breaking news right in your inbox. Click here from your desktop computer to sign up; on our mobile website, use the drop down to the right to "Get Email Alerts."
Copyright 2013 by WDSU.com All rights reserved. This material may not be published, broadcast, rewritten or redistributed.


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Please enter your email address below and click send to receive regular IEWC news and updates.
[ get started ]Configure your own custom cables.
Categories » Gepco Products » Optical Fiber Products » Cable Assemblies » ST/SC/LC Cable
We are adding to our online catalogue daily, but if this category is empty please call us on 0870 6091257 as we will be able to help with your requirements.


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HEAT oven to 400ºF.
LINE 2 (15x10x1-inch) pans with foil; spray with cooking spray. Mix ingredients just until blended; shape into 32 (1-1/2-inch) balls, using 1/4 cup for each.
PLACE in prepared pans. Bake 16 to 18 min. or until done (160ºF).
COMBINE half the meatballs with Tomato-Basil Cream Sauce or Creamy Brown Gravy. (See tips.) Cool remaining meatballs; freeze for later use.


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- $
The Sebile Crankster hopes to bring about a whole new level of performance to the crankbait market. With revolutionary concepts such as the free floating bearing and extruded bill, Sebile boasts the Crankster will be the longest and straightest casting crankbait available. The body of the Crankster was designed using high level aerodynamic action research. As a result, the Crankster has limited friction and increased castability, which allows for faster action in power fishing and immediate reactions when finesse fishing. This research, coupled with the look and style of the Sebile Crankster, should translate into full bags at the weigh in or a fun, successful day on the lake. Also equipped with premium, ultra-sharp Owner ST36 trebles.
Click here to see a video of Patrick Sebile providing details on the Crankster.
Sebile | Length | Weight | Dive Depth | Class |
Crankster MR 45 FT | 2" | 1/8oz | 1-2ft | Floating |
Crankster MR 45 SK | 2" | 5/16oz | 2ft | Sinking |
Crankster MR 55 FT | 2-1/3" | 1/2oz | 2-4ft | Floating |
Crankster MR 65 FT | 2 3/5" | 5/8oz | 4-6ft | Floating |
0 Available Colors
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9 colors available
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4 colors available
Customer Reviews Back to Top
Comments: This is a great bait in the rocks!!! This thing bounces and thrashes around in really rocky areas where I fish and never gets hung I love it! It makes such a ruckus that I get a lot of aggressive strikes when beating it off structure. It is one of my top baits to beat up!
From: William: Austin, TX 5/24/14
Comments: Great design, wish they offered size 60 as well for putting #2 short shank trebles. They cast well and swim great BUT their action dies out way to easily... Just a small weed on their body or hook and it stops swimming. I've bought the 45,55,65MR as well as 50SR but they all are way too sensitive. I really wanted to love them but I guess I will pass...
From: Toshiya: IL
Comments: Have the 55 Holo Greenie and love it. Runs true and catches a lot of fish. Will be purchasing a lot more.
From: usmcvang: Concord, NC
***Note: If you have questions about this product or need assistance with an order please email your questions to firstname.lastname@example.com