text:
Is there any benefit in having a good credit score and credit history?
When I moved to this country in 2000, I thought there was and I must admit that because of my good credit I was able to accomplish many things. Unfortunately economy changed and it seems that now having worked hard in maintaining a good credit does not pay off any more and I am concerned of the message Bank of America is sending out to young people.
1st problem with Bank of America:
As a high percentage of the population I am upside down in my condo, I owe around 149K and it is only worth 60K. Per Bank of America I do not meet the criteria for hardship so I do not qualify for a refinance program and I do not have 30K to come to the table to enter the restructure of debt program. As a matter of fact I really do not want any of those; I want a debt elimination program which of course is not available.
I have always been a good client, paying my mortgage on time or earlier, never late whether the mortgage was under Bank of America's name or Countrywide before them.
I tried to negotiate my mortgage with them offering to split the loss in value of my condo between the two of us and informed I was willing to pay 90K for my condo (50% more than market value) if they would reduce their part (39% of the debt). In my simple mind I was thinking that if I decide to ruin my credit and walk away from the place they will have to sell it at 60K, so I thought offering 90K was a good deal for all of us, but they insist in not having loan elimination programs. How do they call it when they have to eat the gap between the debt the prior owner of the residence had and the re-sale of the property at 60? And I am not including in my calculations the expenses to maintain the place until they find a buyer. Isn't 59K write-off better than 89K?
2nd problem with Bank of America:
I had a 27K credit limit in my credit card, accumulated points on it and paid it off every month. Once I used a Balance Transfer deal, which I also paid off on time before the promotional rate expired. I have been a credit card client since 2001. Bank of America sends me a letter offering a 0.99% interest on balance transfer which I resolve to use because I had another credit card debt which 0% was expiring at year end. I've been on the phone with the representatives several times asking for some details and making sure I was doing my homework, they confirmed it was better to leave the balance at zero before doing the transfer.
So, I put my account in zero and when I call to do the transfer, I was informed the account was closed because I have too much credit card debt and they did not want me to have more. I appreciate their concern on my financial business but the balance transfer was going to be used to cancel other credit card debt so my overall credit card debt was not going to increase.
It is difficult for me to understand why the decision was so shortsighted. The focus was only on one aspect of my credit and my impeccable history with them in all my accounts did not count at all. Nobody asked about my intentions on what I was doing with the transfer, nobody cared how good of a client I had been since 2001 or what sources of income I have.
As if this was not bad enough, they said the points I had on the card (which added to 23K, equivalent to 23K dollars spent on it) were forfeited. After several phone calls and customer service representatives they felt kind enough to mail me a check for $172,50 as payoff for the points. Of course it did not matter to them that I had requested to have the option to choose from the catalog instead of receiving a check, but again that was only a customer request, it really doesn't matter to them.
So in just one brush, they took away my ability to manage my own finances, they took away my points and they worsen my credit by reducing my borrowing capability.
Bank of America, with their actions made me the kind of client no bank wants to have. Obviously we are not in control of our own credit, others are and unfortunately not the ones who are really interested in helping you out.
So now, I ask again, is there any benefit in having a good credit score and credit history?
I am currently in USA and I was going to buy collectibles from various countries from one seller (last year in October, that's 3 months ago!) for my collection and a couple items that were made in Myanmar, a buddhist country, which total less than 10% of the total amount I will spend. Those items are all located in Germany at my friend's place, not in Myanmar! So I tried to send a bank wire via BANK OF AMERICA, but they froze my wire telling me I am not supposed to buy something from Myanmar. OVERDONE! When I signed up to Bankofamerica's SAFEPASS card to be able to send bank wires from my PC (banking centers do not process wires anymore! and I had a 2 hour torture-wait in a bank branch not once and not twice! just to find out they will not do a wire for me!) they did not tell me that I can not buy anything made in Myanmar. Well, the postcards are located in Germany and not in Myanmar. So now BANK OFF AMERICA froze my wire without sending it, but also they will not cancel it and started questioning me very private questions like who is the seller and who is the buyer and they want to see the shipping documents etc.! Well, duh! The buyer is me! I told them that many times! Also the compliance manager of the bank emailed several times my and my friend's bank account back and forth and other sensitive private data via unsecure email. The manager sent my bank account even after I emailed them and asked to not send such sensitive data via email! They are treating me like a criminal after all those years that I have been their customer! OVERKILL! It looks like now they made it a big deal and they want to investigate me, probably suspect in terrorist connections!? All because I want to buy collectibles for my collection? That is DIS GUS TING! Look how many items made in Myanmar are for sale on the web! Ebay is not shutting those items listings down! Why should I be bothered, especially after I told them I have asked my friend to send me some other country's items in place of Myanmarians. I think this "compliance" department from Bank off America are enjoying annoying their customers! No wonder they made so hard to send bank wires between ordinary people by small amounts! My amount was less than $1000 only! And they made me sweat (get SAFEPASS, while first two times they lied and never sent my safepass card! I was waiting for it for a month until I realized they never sent it - that happened twice!) for over 2 months trying to send that wire and it's not sent yet! Now it is frozen and is under in-ves-ti-ga-tion! Wow, what a big deal! Someone bought a couple stamps with Myanmar on them! Wow, going after small guys is easiest! How about catching Binladen? No... Binladen is still free, because its all a fake game! Customer at Bankofamerica is always wrong and bad!
P.S. Update: now Bank of America stopped my wire and notified me by email about that, it says "failed". They sent me a receipt for $35, so they seem to still charge $35 fee even if the bank wire was not processed...
Sincerely, soon to be ex-Bofa customer
Dear Bank of America Executive:
If you are not a decision making executive, please forward this email to one or more. To ignore this request would put you in violation of U.S. Federal laws governing email.
I am an American expat living in the Republic of Panama.
I just want you to know that I am thoroughly disgusted with the way you do business:
1 You charged me an overdraft fee when I have "Overdraft Protection"! Your customer Non-Service wrote to tell me I should watch my balances!
1a You charged me several times for late fees on Sunday due dated bills when paid on Monday! If I went to one your branches and paid my credit card bill with a Sunday due date on Monday there would be no late fee!
2 You are now charging a "Foreign Transaction Fee of 3%. I asked about this and the form letter sent to me told me about fees for withdrawing from ATMs. I have never in my life used an ATM. I don't want to pay to withdraw my own money! I have resorted to using my American Express Card exclusively in Panama. I have had AMEX for thirty years without the first problem! If AMEX is not an option I use CASH!
2a when I got this card through MNBA there was never a problem, just since BoA took them over!
3 Since I can no longer accumulate meaningful points with your "Point Program" I asked to cancel the point portion of my card. I'll give up the 21,000 points accumulated. But no, your agent demanded that I cancel my entire card. so I did!
4 When I took out my homeowner's loan your officer told me I could the fix the rate at the current percentage rate. When I tried to do this, I was told the rate was 11%! BoA is using government money at close to 0%, but won't fix my rate at the current 3.5% or whatever it is today.
5 Dealing with your customer service department via "Online Banking" is near impossible. For the simplest questions I get "Form Letters" instead of an answer. It has taken me dozens of online banking messages to accomplish one simple thing, several times.
6 Dozens, yes dozens (Check it) of times I have told your agents that I cannot call you. We are restricted to 8 digits on our phone. If we use more, even for 800 numbers we get charged outrageous amounts. But your agents keep responding that I should call! Collect is not good. I don't speak enough Spanish to use an operator.
Here's today's example:
REGULAR CHECKING ending in 9859
Because email is not a secure form of communication, this email box is not equipped to handle replies.
If you have any questions about your account or need assistance, please call the phone number on your statement or go to Contact Us at www.bankofamerica.com.
The above message says if I want a credit card without the point option I have to apply for a new card. The year I began my credit being on my card is very important to me.
7 I have been banking in the same building in LaGrange, GA. U. S.A. for thirty years! Never had a problem! Until BoA took over!
8 My credit score was 787 until I signed for a car loan for my daughter. Her late payments brought my score down to 702. Still not a credit risk. My loan with you is the only debt I or my wife have. Yet, you cut my credit limit in half from over thirty thousand dollars! I have never accessed that amount, but the cut is a slap in the face. American Express is still UNLIMITED and has no "Foreign Transaction Fee"!
It seems, from talking to other expats that everyone who deals with Bank of America gets the same treatment and BS.
I know my accounts don't really mean anything to BoA in the big scheme, but if thousands of us stand up and change banks, credit cards, etc. stock holders are liable to ask questions. This is not a threat. Merely a fact. Poor service loses customers.
If you wish to correct and rectify this situation, reinstate my Mastercard without the point option. Repay all the late fees you've charged me for Sunday due dated invoices paid the next day, as well as the overdraft charge you charged despite my "Overdraft Protection". I don't expect you to change your fees, I just want to be treated fairly.
Please don't ask me to give you dates, you have it all on record. Regular Checking-9859, Bank of America Platinum Plus Visa - 4993, IT Professional Platinum Plus MasterCard - 6113, Home Equity Line-5099, Fixed Rate Option-5001
If I don't hear from a decision maker within the week, this letter will be forwarded to every Expat Group in the Yahoo! system all over the world. Check this out for a sample firstname.lastname@example.com. There are hundreds of these groups located in almost every country in the world.
Since I am retired, I have nothing better to do, other than spread the ways you gyp the consumers worldwide! Under those circumstances all of my business will be going to another bank, along with those of all my relatives that bank with you throughout the country.
Very Sincerely,
Lonnie R. Cross III
Puerto Armuelles, Panama
There is something extremely not right about the way Bank of America is doing business.
Bank of America was in the second lien holder position and due to their delay, my home was forced into foreclosure. I had a property that was in short sale status. I had a buyer that was willing to pay cash. The paperwork had already been reviewed by the first position lien holder and accepted. I provided the paperwork to Bank of America and they, were extremely slow to review. The paperwork was sent to them with over 3 month prior to any foreclosure date, I even negotiated extra time with the 1st position lien holder, but that still wasn't enough for BofA. The first BofA negotiator held on to it for at least 60 days. When I called to check status, I was told that the more I called, the more that my file would be delayed, even when I relayed the urgent time line. After the first negotiator looked at it, it had to go and be reviewed by another negotiator, and they told me she had an additional 60 days before she had to get back to me with a decision. 2 negotiators 60 days each - that was their process, take-it or leave it.
In Calif., the second lien does not get anything back if the home goes into foreclosure, so I would think it be in their best interest to try to proceed with the short sale, and avoid the foreclosure. The first lien holder finally turned down my second request to extend the date, they said they had already extended the foreclosure once and was not in their best interest to wait any longer. The home ultimately went into foreclosure.
I felt like someone spat in my face. I didn't understand why BofA was making it so difficult to avoid foreclosure? Please if anyone is in a position where they can create change, do so. Bank of America bought Countrywide, who had my lien, but now, they can not service those loans. They bought a troubled asset to get government help, without owning up to the responsibilities...sorry if I added my 3 cents, but what they are doing is WRONG!
PENSACOLA, FLORIDA -- Bank of America: Hundreds of dollars taken in overdraft fees because they
1. Fail to return money that is recredited by vendors when it is credited, which throws you into an overdraft which perpetuates the problem. They take out $35 for even $1 spent which in turn spends your money without your knowledge, and anything else you've done before you find out has again charged you $35..
2. They fail to respond to your online requests to stop payment of a monthly car insurance premium a week in advance. Even though the insurance company was told to stop the account, they removed the money, thereby throwing me into overdraft mode for $5 Burger King expenditures, spending my weekly checks down till other small amounts I spent without the knowledge this happened, spent all my money at $35 a pop, taking all my money and continuing the cycle. Oh, and did I mention, took $200 cash in person with the pityful request to please be sure this didn't happen on the day it happened without my knowledge... and they not only let that happen but took that $200 in $35 overdraft money too which addressing it with a "I couldn't do anything" messege on my phone voicemail.
3. After weeks and weeks of weekly check being direct deposited, one fails to deposit due to a clerical error without my knowledge and once again the $35 cycle which spent everything I got with the $35 cycles before I got it.
4. The overdraft protection just allowed them to charge $10 to dip into the savings and spend all that and again get to more overdraft fees. 5. WHAT'S WORSE IS YOU A. WRITE AN ONLINE LETTER AND GET A CANNED LETTER BACK NOT EVEN ADDRESSING YOUR NEEDS.
Then what? Lets go face to face and at least get them to look at the problem. You talk to one person who stops you midstream and says "I can't put anything in writing"... after he hasn't told you anything anyway and really hasn't looked at anything. You are referred to the bank manager who says in less than 1 minute "I can't do anything for you"... Questions how I do things and offers to print you a copy of bank policies. Then again says "I can't put anything in writing",she REFUSES MORE THAN ONCE to give me a name of someone above her to see or write and then calls your calm and firm commitment to having someone look at this as "combative" saying "you want me to pore over your account for hours" "I looked at it here" (which in all fairness a brief one eye view did occur while I sat there that one minute). WHAT IS WRONG WHEN A COMPANY CAN'T PUT "ANYTHNG IN WRITING". I told her when I left that I have been wayyyyyyy to docile with this bank and I have. I am just beginning to find out what I can do to make their life miserable if I don't get every cent they have taken from me back.
I only wanted someone to look at it and take mercy on me as a lowly consumer and act like they cared and maybe consider the error of their ways and return what is fair and mine......but now I want every single cent. Which is only fair at this point.
I want them to know everything I say and this is only the beginning because they are UNFAIR, UNKIND, LIKELY ILLEGAL IN THEIR ACTIVITIES, AND HAVEN'T GOT A CLUE ABOUT CUSTOMER SERVICE.
I've a AAA Gas rebate Bank of America Visa credit card and while I was looking at recent monthly statements I found how Bank of America grossly misleads customers and collects interest through devious methods. Here is what happened in my case and same must be true for all customers therefore good cause for class action suit, and request all customers to look closely your statements if you took cash advances any time.
Initially AAA card was offered to me with low interest rate balance transfer. After the initial offer period, interest rate on my balance transfers and purchases gone up to 13.99% and now I've cash advance interest rate of 19.99%. Looking at my recent statements I took $300 and $400 as cash advances. I took second cash advance way back in Nov'08. Even though I never missed single payment cash advance amount now shows $1064 instead of (($300+$400)- prorated monthly payments applied to cash advance amount) of less tan $700. When I spoke to customer representative reasoning he gave me was every month though I make monthly payments regularly, they add 19.99% interest amount accrued monthly on cash advance to original cash advance amount. That means to start with I had $700 as cash advance, next month it became 700+11.66 =$711.66 as interest added to original amount. In next month statement they calculated 19.99% interest rate on $711.66 so the cash advance amount now became $723.51 and goes on and on, even though I make my monthly payments. monhly paid amount is applied only to balance transfer/purchase amount whereas cash advance amount keeps growing leaps and bounds. This is kind of charging interest on interest every month, which is kind of deceiving customers with hidden charges. Customers will have no clues unless they drill down and see or find out through some analyst. This is like day light robbery by same big bank which was bailed out by our tax $$$. This greed should come to an end else most of American end up in debt trap. Govt should act fast and stop this bleeding.
ROCKY HILL, CONNECTICUT -- About 2.5 mos. ago, I was told by BOA that there was FRAUD on my debit card. I was to go to the bank and get a new card. I did. 2 mos. into it, I got a call saying that now, my on-line banking was compromised, and I was to go to the bank & change all my accts. & the new debit card. I did. 6 DAYS!!! later, I was told that the acct. was again COMPROMISED and I was to IMMEDIATELY go and get the accts. closed, and then open new accts. I DID. I am moving, so I need access to this acct. As I was leaving the home, I picked up my mail, not realizing that to get the Perm. debit card activated, I had to call from my home phone. I flew to my destination and pulled out my bills to go on-line for bill pay. NADA--the acct. is FROZEN. I called the no. listed, BEFORE 10 PM and was told sorry, no one here can help you. I called that next morn. Sorry, we can't lift the BLOCK as it takes 2-3 days to do so. Keep in mind, I had been checking it daily so I could get my bills paid. I have $$ in the acct. to pay off the CC's so when I go for the mortgage in the new location, I won't show any. But--I Can NOT pay the bills as I can't access the $$$. On top of it, the gal on the 800# told me if I needed to pay the bills that quickly, to go to a phone and do it over the phone--to NOT use their services, as they weren't available AT THIS TIME to me anyhow. Are YOU KIDDING ME??? So, I then called the local branch where I do my banking thinking, they might be of help, although I don't know why--they had NOT done anything more than process paperwork and tell me there was NO WAY that my accts. could be accessed--it was IMPOSSIBLE. I said fine--tell me how in LESS THAN A WEEK it happened TWICE!! (Do you think it's an inside job??)So now, I call that branch. I was told by a clerk there, that there was NO BLOCK on the acct. for bill-pay. I was on my way to an appt. and could not check right then and there. I got back to my hotel room, only to find out--THE BLOCK was STILL THERE!! Today, I have called the overseas FRAUD division who contacted me in the 1st place, and I also have a call into the local branch. I plan on taking ALL the bills--there are 13 of them including the heating, the cable, etc. to them and having them at their expense do cashier's checks. I also am WAITING for a call back from them as I was told the Mgr. is on a conference call. I said--I will wait for that call. If I do NOT get a resolution on this, my next call is to a Lawyer. I have already filed a complaint with the State's BBB. They did call me only to say there is NO block. I said--so WHY does it say there is one on MY computer? I will bring it down to your branch to PROVE I can't access it. What--I am going to just make this stuff up to be an irritant to You? I am so stressed I feel I am going to have a stroke. I am in the middle of a move and a 12 hr. drive, and I sure do NOT need this crap. . . . I would suggest that Bank of America shut down their system and over-haul it, or STOP using overseas personnel who you can NOT understand and do NOT give a rat's patutie about anyone or any issues. They just want everyone to say--NO PROBLEMS here.
Also--just as an aside, they were to SEND to me IMMEDIATELY, checks on the new acct. To date, there has been NO delivery of any checks--the cat sitter WATCHES my mail diligently, KNEW I was waiting for them and would have called me immiediately had they showed up. They did NOT. Is there anything else with this bank that can go wrong? I will be taking as much of my $$$ out of this bank, and will as soon as I get to my new locale, OPEN up a bank THERE. DO NOT USE BOA!!!
Let me be bold... (I am usually humble) I have NO debt of any kind. NONE! I'm RICH. I travel/vacation out of country more than half of every year. I own 6 rental houses. I live in a 3,000 square foot home next to a golf course that I paid for in CASH on the same day that I bought it. I have approximately half a million dollars invested, even after the US stock market collapse. I have $100,000 set aside for emergencies.
I have a 842 FICO score. I HAD a $49,900 credit line with MBNA. I always paid on time.
IN MAY OF 2009 MBNA CUT MY CREDIT LINE IN HALF WITHOUT TELLING ME while I was traveling out of country for 4 months. FOR NO REASON. (They admit this openly.)
I called, and the lady convinced me to apply for a credit increase whereupon it was REDUCED AGAIN TO 12,000 since I quote, "wasn't working"??? After telling me I was applying for an instant "INCREASE"?!!??!!! She did this while I was on the phone to complain about the 25k limit reduction!
I'm rich. I'm travel. It's illegal for me to work in Canada while I'm SKIING AT A RESORT for 4 months. SUCKS to be me I guess... LOL However, this was my ONLY card I used BECAUSE it had a $49,900 credit limit. I had even canceled others. They cut me off at the kneecaps and I have a PERFECT credit record.
How does this affect me? I buy houses at public auction. I MUST PAY CASH FOR HOUSES BY THE END OF THE SAME BUSINESS DAY THAT I BUY THEM. That means coming up with up with $200,000 cash in less than 5 hours. I don't want to remove the cash from somewhere where it's earning money like stocks until I'm SURE that have won a house at auction. I Win a house, then I get the shortest term loans I can, and start cashing out stocks. Bank loans are 6 month, and cost a LOT in interest. The credit card I Can pay off in less than a month and cost me NOTHING. (I used the card as a fast cash buffer.)
NOW, if I have to have $200,000 sitting in an account doing NOTHING waiting for the day I MIGHT buy a house, I WILL LOSE MONEY ON IT.
With my credit limit being decreased by MBNA, I have LOST my buffer to transfer funds. What they have done WILL COST ME MONEY and AFFECT THE VALUE OF THE HOMES that I can purchase.
Let me CONFIRM:
Arbitrary limit cuts are a tool to reduce MBNA's relationship with less profitable borrowers (the ones that pay their bills with higher credit scores.)
Arbitrary limit cuts are used as an excuse to end a relationship with undesirable borrowers that don't use their cards much or those that don't run their credit up to the top of their limit. (card holders that don't make them money.)
MBNA has AFFECTED MY LIVELIHOOD for NO REASON other than the fact that I don't make THEM money. I was faithful to them, and always paid before my bills were due.
Thanks MBNA. You've lost my trust AND my money from now on... I will avoid you like the plague and advise ANYONE I know to NEVER USE BANK OF AMERICA and advise them to remove their existing investments with you as I have.
"Bank failures are caused by depositors who don't deposit enough money to cover losses due to mismanagement" -=Dan Quayle=-
When consumers post reviews of a company such as Bank of America, they should always research the process they are complaining about before they complain. After 27 years of employment with Bank of America, I have had the opportunity to actually participate in many areas or functions of the bank, so let me explain to all of you complainers why you are paying a charge for bouncing a check. When you write a check or use your debit card, that item is sent to the bank that the merchant uses. The merchant's bank processes the items, then sends them through a clearing house or the Federal Reserve to be collected from the account holder's bank, which in this case is Bank of America. Because the financial institutions are regulated, these items have to be paid or returned within a specific timeframe as specified by the regulators. Your bank does not have the option to hold these items until you can make a deposit or pay the items if the money is not available in your account, unless they choose to do so, based on your relationship ( how long have you been a customer, how many checks have you bounced in the past 12 months, what type of balances you carry in all of your accounts, and how many accounts do you have with them). When the item is presented to Bank of America, if the funds are not available, the item is rejected into a batch that contains all of the items that have bounced that current processing day. That batch of items then has to be reviewed by a special real person that has to be paid. She reviews the items for individual attention to see if there is any way they can pay those items based on the criteria discussed earlier. Do you know how many bounced checks a financial institution receives each and every day? I can tell you that each processing center processes thousands and thousands of rejected items each and every day. So the banks need hundreds of employees to process those thousands of items. This is what you are paying for, when you bounce a check and have to pay a non-sufficient funds fee. Because you bounced the item, and the bank had to provide that service of individual handling, you are paying a fee for the service. Any business that provides a service is paid a fee. This is called income. If the bank never had to process bounced items, consumers would never have to pay the fee for that service, because the service was not provided. Do you get it? If you take your shirts to the dry cleaners, you have to pay for their service. If you bounce a check you have to pay for the service. You don't ever hear a customer complain about an NSF fee, if they never bounce a check. So the point is if you do not want to pay the fee, don't bounce the check. And the only way that can be guaranteed is by using a check register and subtracting each and every entry from your available balance when you give them the check or use your checkcard. Using the balance you have obtained from online banking, telephone banking, the ATM, or the customer service representative, does not reflect your true balance, because they are not mind readers, and they do not know how much you have spent on items that have not been presented to the bank. In other words when you bought groceries and used your checkcard for 75.00, it is not reflected in the balance the bank gave you, until the merchant sends it for processing. So if the bank (teller, ATM, phone banking, customer service rep, or online banking) tells you that your balance is $100.00, you must subtract the $75.00 from that balance so that you accurately know how much you can spend. If you spend the $100.00 because the bank told you that was your balance, you are going to incur and pay a NSF fee. The service was provided and the fee is paid.
And yes, if you were lucky enough to get a refund because it was your first mistake since banking with us, you will possibly get the refund. But if you are asking for the refund, and you have already received a refund, you will be denied. Service received, service fee paid.
And you will always notice that the complainers about a bank, are the consumers paying the NSF fees. When they say Bank of America sucks, that means they bounced checks and had to pay the price. The consumers who never bounce checks (because they use a check register) never call in to complain about NSF fees.
So, to all of you who like to complain about NSF fees and managers who do not refund fees, please do your research before you complain and start using your check registers Then you will not have to complain and you will be a happy consumer.
HOUGHTON ROAD, ARIZONA -- This just happened this morning at a branch in Tucson, AZ. I wanted to share it with readers. I honestly do not believe this happened. I still do not know how to respond to the way I was treated. This is the first time I ever left a bank in tears. It was by far the rudest, down right bullied by any bank or financial institution I or anyone I know has been.
I received a renewal notice of my Safe Deposit Box that showed an $30.00 increase. Obviously all our stimulus money did not help because they are still milking us with fees like crazy.
I removed the contents of my box and sat down with one of their personal bankers and told them I wanted to close my safety deposit box account. I placed my key and the statement on his desk and he curtly asked me where my other key was. I didn't remember ever having a second key and it's been years since I opened this box. I told him I did have a second key. He then informed me in a very rude tone of voice, he would not close the account unless I paid him $25.00 for this missing key.
I told him I refused to pay for a key I did not have. I was not about to pay any more fees to this bank and I wanted my account closed. He refused to give in on the matter and told me to leave his office because I was getting irate and he felt that he didn't have to deal with me. No kidding I was irate. If he has problems dealing with angry customers, he is in the wrong line of work. My husband and I got so fed up with B of A's terrible customer service last year, we closed all our accounts. The box was the only thing I left open because the bank is relatively close to where we live.
After arguing back and forth, I gave in and told him I would pay the fee. I had my two girls with me and just wanted to get out of there.
Talk about the straws that broke the camel's back...He then had the nerve to tell he would not close the account and asked me to leave!
I am sitting there with my two five year olds almost in tears. I agreed to his terms "bullying" and he was throwing me out of his office?!
The bank manager must had overheard this because he came over to ask what the problem was. I told him I had agreed to pay the fee and just wanted someone to close my account and his employee refused. I explained to him the reason I was closing my account told him that I have agreed to pay their fee for the key. I also informed him that I was not leaving until someone helped me.
When the bank manager returned, he told me that they would waive the fee and that I just needed to sign a few documents. Well OK. I thought this was the end.
I then tried explain to the branch manager the reason for my anger. Thinking that as manager he would at least pretend to care and maybe have some customer service skills. I could not believe my ears when he responded by saying. That I had already told him I was angry more than once. That I was repeating myself. Then he lowered his voice and informed me that he is two months away from retirement and did give a **mn. My answer to that was. You still work her and represent this bank.
All this to close a safe deposit box. I am stunned. Needless to say I will never set foot in a B of A anywere ever again


text: Mount Mercy University now offers new specialty license plates, available through the Iowa Department of Transportation. Mount Mercy alumni, students, faculty, staff and friends of the University can showcase their pride in Iowa's newest university with Mustangs blue and gold license plates. The plates are available through each Iowa county treasurer's office.

subset: commoncrawl


text:
Slow Cooker Hot Fudge Cake Recipe
A cake baked in a slow cooker may seem unusual. But smiles around the dinner table prove how tasty it is. Sometimes, for a change of pace, I substitute butterscotch chips for chocolate. —Marleen Adkins, Placentia, California
- 1-3/4 cups packed brown sugar, divided
- 1 cup all-purpose flour
- 6 tablespoons baking cocoa, divided
- 2 teaspoons baking powder
- 1/2 teaspoon salt
- 1/2 cup 2% milk
- 2 tablespoons butter, melted
- 1/2 teaspoon vanilla extract
- 1-1/2 cups semisweet chocolate chips
- 1-3/4 cups boiling water
- Vanilla ice cream
- 1. In a small bowl, combine 1 cup brown sugar, flour, 3 tablespoons cocoa, baking powder and salt. Combine the milk, butter and vanilla; stir into dry ingredients just until combined.
- 2. Spread into a 3-qt. slow cooker coated with cooking spray. Sprinkle with chocolate chips. In another bowl, combine the remaining brown sugar and cocoa; stir in boiling water. Pour over batter (do not stir).
- 3. Cover and cook on high for 4 to 4-1/2 hours or until a toothpick inserted near center of cake comes out clean. Serve warm with ice cream. Yield: 8 servings.
Nutritional Facts
1 serving equals 435 calories, 13 g fat (8 g saturated fat), 10 mg cholesterol, 306 mg sodium, 82 g carbohydrate, 3 g fiber, 4 g protein.
© 2015 RDA Enthusiast Brands, LLC


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Results 16 to 16 of 16
-04-23-2009 #16
Re: Rams are not looking at B.J. Raji in NFL draftI think you have to consider that he was playing with Brace beside him & good LBs behind him-Herzlich(?), I heard from a number of BC fans, is especially impressive."Before the gates of excellence the high gods have placed sweat; long is the road thereto and rough and steep at first; but when the heights are reached, then there is ease, though grievously hard in the winning." --- Hesiod
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If you've been thinking about sallying forth with a companion, consider a train trip to discover Wes-Anderson-film-levels of nostalgia and beauty. From the Napa Valley to Maine, riding the rails has never been so romantic.
Saratoga Travel Guide
Articles about Saratoga
By Lyndsey Matthews
By Heather Smith MacIsaac
Side by side, we steadily made our way up the mountain pass. Our path traced the narrow edge of two cliffs of stone—one above us, one below—that defined sheer, as if one section had cleaved from the other and then, never losing a degree of vertica...
Hotels in Saratoga
Bruce White is a hospitality industry titan, but when he turned this 1880s Wyoming ranch into a luxury resort and spa in 2010, it was very much a personal project.


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- Home
Our Services
- Southeast Cancer Center
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Houston Medical Group
Houston Medical Group, located at 1206 Columbia Highway, is an affiliate of Southeast Alabama Medical Center. The facility offers convenient office hours from 7:45 a.m. to 6:15 p.m. Monday through Thursday.
Our full range of services include:
• Complete family medical care
• Basic laboratory services
• Health education
• Nutritional guidance
• Geriatric care
These services are backed by the assurance SAMC offers with its reputation of service, quality and state-of-the-art technology.
We want you to know as much as possible about our practice because the more you know, the more we can be of service in meeting the health care needs of you and your family.
For an appointment, call 334-677-5986. Fax us at 334-677-4901.
Click this link to access your patient portal: www.samc.org/patientportal


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Do you prefer to travel without buying tickets? Watch the Swiss Travel Pass video!
Enter your departure station, the arrival station, the travel date (day.month.year) and travel time (24 hour format, so 5 PM is 17:00). Press the button to get a list of travel options. The station name you enter can be a rail station, bus stop, boat dock, cable car station, etc. If you don't know the name of the station, you can enter an address (select "City, Street no" from the dropdown list).
The list of travel options presented by the timetable shows what time you can depart, how long the trip takes, and where you need to change. In many cases the timetable also shows the expected occupancy of trains. Click the plus icon of a travel option to see more details.
Use these names for traveling to and from the airports:
Any train schedule can be found through the timetable, regardless whether it is operated by the SBB or another railway company.
You can use the timetable to find the regular prices of tickets. That allows you to compare point to point tickets to pass prices. To see the price for a trip, click the 'Fare/Buy' button for your preferred travel option. Then select "no reduction", and mind the selection for single versus return journeys. Beware of the "from" prices being displayed along with the travel options. These are not the regular prices, so be sure to click the 'Fare/Buy' button.
Fill out tomorrow's date when looking for prices. Prices will be the same even if your trip is much later, as they only change once per year.
The "Advanced search" link allows you to find connections via a preferred mode of transport, to specify specific routes (via-stations), and more.
For most visits to Switzerland buying a pass is cheaper than buying separate tickets for each trip. You can calculate whether that's true for your plans as well.
Sometimes prices will not be displayed, or for part of the route only. That mostly happens in case of mountain trips with cable cars, funiculars, etc. In such a case you can best visit the website of the transport company for that route to find prices there. Links can be found on each of our attraction pages.
Most trains do not require a seat reservation. Exceptions can be found in the timetable. Such trains are marked as 'Reservation compulsory' (you have to book a seat) or 'Reservation possible' (you can book a seat, but it's not required).
About traveling in Switzerland by train, bus, boat and cable car.
Learn about the various rail passes for Switzerland. How they work, prices and much more.
If you have any questions left, the forum is best place to get them answered.
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Two dead in Colombia supermarket blastComment on this story
Bogota - Two people were killed and twelve wounded after a strong explosion tore through a supermarket in western Colombia, local authorities said.
The local press reported that individuals on a motorcycle had thrown a bomb inside the store before fleeing.
Two of the injured were seriously wounded, the police chief of Quibdo told Colombia's Caracol Radio.
Quibdo is the capital of Choco province, on the border with Panama.
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Navy Born DVD
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William Gargan, Claire Dodd, and Douglas Fowley star in this 1936 tale of a Navy squadron trying to adopt the orphaned son of one of their own. When the wife of a Naval airman dies in childbirth and her husband kills himself in misery, their son is left in the hands of incompetent officials, until a sailor buddy steps up and adopts the boy. All is well until the infant is abducted by a misguided gangster, and the whole Navy steps in to help.
Additional Details
DirectorNate Watt
Primary CastWilliam Gargan Claire Dodd Douglas Fowley More
Production Year1936
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I've noticed downspout tubing sold at my local big box stores (HD, Lowes) are a rectangular size, not sure exactly what.
The stuff on my house is square (with rounded corners of course), maybe 2.5 inches per edge.
Is this some standard size? I cannot seem to find information on it on the net. I expect all the houses built by my builder in this subdivision to use this same downspout size.
(A favorite retailer of mine sells accessories that work with 2x3 and 3x4 inch downspouts, but alas, these are all non-fitting for my home.)
-- Daniel


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ABS/Traction Control Light
So i was going to change my rear wheel bearings , but after thoughtful consideraton , i found it would be a whole lot easier to just buy a drum with wheel bearing already installed, makes my life easier. However i forgot one miner detail. The ABS "ring" i forgot to ask the guy whether these drums had them in them or not . Not that i would expect these particular guys to know. However i will ask here. For a 2003 focus ZX5 Would all of them have the "ring preinstalled or would i have to take the old ones off and install them on the new or do i just need to reset my ECM for the new bearings by unplugging the battery for 20 minutes.
I am hopeing i don't have the wrong drums with bearings cause taking the wheels off and taking it all apart is a pain in the you know what.
Either or. I had the same issue on my '03. You can get the tone rings from Ford and carefully tap them on (I used a piece of wood and a dead-blow to ensure the ring went on flush). I've also heard you can remove the old ones and reuse them providing you don't ruin them in the process; but as tight as they are going on the former may be your best bet.
so bottom line is i need to get a set of tone rings and take apart my brakes again to get them on.
Wonderful :(
those are the drums i got ,
|All times are GMT -5. The time now is 05:09 PM.


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ASAP Ferg »
ASAP Ferg – Doe-Active (Official Video)
ASAP Ferg releases the official video for his single "Doe-Active." From partying in Miami to sitting in the backseat of a Bentley convertible throwing money up in the air while in Harlem, ASAP FergRead More »
Meek Mill – B-Boy Ft. Big Sean & ASAP Ferg (Official Video)
From Philly to the hills in California, Meek Mill releases the official video for "B-Boy" with the help of ASAP Ferg & Big Sean. All bars and no hooks in this record. Expect thisRead More »
Miami To Host 'Rolling Loud' Music Festival
The fellas over at Dope Entertainment have put together a star studded hip hop festival taking place on February 28th,2015. The all day music festival will open its gates at 1:00 PM and highlightRead More »
A$AP Ferg Releasing Exclusive Line Of Syracuse University Clothing
Fergenstein and Virgin Mega are teaming up on a new fashion line called #TrapLordTakeover and each release will focus on one major college campus they're "taking over". First up is basketball powerhouse Syracuse andRead More »
ASAP Ferg – Talk It
ASAP Ferg is in go-mode upon the release of his latest project 'Ferg Forever'. His Clams Casino produced cut, 'Talk It' will be presented on the tape which you can expect to arrive on November 28th. ListenRead More »
ASAP Ferg Set To Release His DJ Drama Hosted 'Ferg Forever' Mixtape On Black Friday!
As revealed announced on Complex's Fashion Bros web series last month, ASAP Ferg is going to release his DJ Drama hosted Ferg Forever mixtape prior to dropping his sophomore LP. What we didn't knowRead More »
A$AP Ferg x YG – This Side
Before A$AP Ferg and YG hit the road together next month, today A$AP Ferg has released the first single off his upcoming DJ Drama hosted project. With A$AP Ferg's new "Forever Ferg" Gangsta GrillRead More »
Girl Talk & Freeway – Suicide (Remix) ft. A$AP Ferg (Video)
Girl Talk & Freeway enlist A$AP Ferg for the official remix of their Broken Ankles EP-cut, "Suicide," with a Simpson inspired visual. Watch belowRead More »


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Video: Tags: flowers
A tag is a word or phrase that helps you find video clips with similar content. View all tags »
Displaying 1 to 6 of 6 results.
Springtime Wildflower Photographer Tom Rosburg (#501)
From the prairies to the woodlands, we enjoy springtime wildflowers through the lens of Tom Rosburg. 06:50
Iowa Outdoors Springtime Edition (#501)
Full Program: On this episode of Iowa Outdoors, we travel alongside an elite team of storm chasers, spend the night outdoors for a military-style workout regimen, and enjoy springtime wildflowers through the... 27:44
Iowa's Simple Pleasures (#102) (#102)
Full Program: Travel to Cedar Rapids to take in a Kernel's game; climb to the top of a giant treehouse in Marshalltown; visit a flower farm in Madison County; and take a relaxing canoe ride down the North Raccoon... 27:34
Edible Landscaping (#302)
Edible Landscaping: with the right plants, your garden can become the source of a delectable dinner. From nuts to fruit, flowers to herbs, learn the basics of edible landscaping. You just might... 04:08
Rose Show | Iowa State Fair 2013 (#4403)
Poetry can't begin to describe the beauty and sweet smells of these lovely flowers. 03:21
Howell's Dried Florals, Cumming, Iowa (#102)
Fall is a great time of year to visit the farm. Dan found one in Madison County that celebrates fall in a "hands-on" sort of way. Hosted by Dan Kaercher, Iowa's Simple Pleasures is a new series... 04:03
Displaying 1 to 6 of 6 results.
Video Collections
Fair 2013
Iowa Ingredient
Explore the farms, restaurants, and ingredients that make Iowa food uniquely Iowan. Host Charity Nebbe takes viewers on a journey to discover flavorful Iowa ingredients. From apples to spinach to rhubarb and herbs, each episode features a...
Iowa Outdoors
Produced in partnership with the Iowa Department of Natural Resources, Iowa Outdoors highlights outdoor recreation, environmental issues, conservation initiatives, and Iowa's outdoor natural resources.
Iowa's Simple Pleasures with Dan Kaercher
Dan Kaercher, founding editor-in-chief of Midwest Living magazine, travels Iowa in search of hidden treasures and out-of-the-way places for Iowans to visit and explore right here at home.
Iowa State Fair
Iowa Public Television has a long tradition of unique and extensive Iowa State Fair coverage. IPTV brings you the best the Fair has to offer!


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NINIS – the Northern Ireland Neighbourhood Information Service - provides free access to statistical and locational information
relating to small areas across Northern Ireland. Information is available across a range of themes including Population,
Health & Social Care, Education & Skills and Crime.
View all data sets...
2014 based Small Area estimates released.
30 November 2015
The latest NINIS E-Zine has been issued.
12 November 2015
View all news...
© 2012 Crown Copyright


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Latest Weather Blog
Content Tagged As southdowns
Tagged News
Residents successfully fight new bar
August 18, 2014 10:31 PMBATON ROUGE- The planning commission denied a rezoning request for a bar in the Southdowns area Monday. Owners of Time Out Lounge wanted to open a location on Valley Street between the railroad and Perkins Road. The lounge was destroyed by a fire last year. People who live... more »
Yard signs campaign against bars check to see if lock exists for regeneration Play Video
August 12, 2014 10:32 PMBATON ROUGE - A rezoning fight has one neighborhood going public with yard signs. Right now, people like their quiet Southdowns neighborhood, and fear even one more bar will create a big problem. "It's a question of balance," said Southside Civic Association member Peter Ricca. "We think that... more »
Krewes get ready for Southdowns, Spanish Town check to see if lock exists for regeneration Play Video
February 28, 2014 11:35 AMBATON ROUGE - It's Carnival time in Baton Rouge. The Krewe of Southdowns parade rolls through Baton Rouge tonight at 7 p.m., while Spanish Town's parade rolls Saturday at noon. Southdowns members began setting up their party supplies early Friday, putting the finish touches on floats and firing... more »
Southdowns neighbors crack down on crime check to see if lock exists for regeneration Play Video
September 17, 2013 3:59 PMBATON ROUGE- Residents in one Baton Rouge neighborhood are putting a stop to crime before it gets out of hand. Recent burglaries and robberies have prompted the Southdowns neighborhood to come together and take a stance against crime. Just recently a runner was robbed and according to people... more »
Stanford road work could be complete next week check to see if lock exists for regeneration Play Video
August 16, 2013 5:14 PMBATON ROUGE - Relief is on the way for drivers who use Stanford Avenue in Baton Rouge. Construction could wrap up by the middle of next week. Stanford Avenue from S. Lakeshore Drive to Perkins Road is under construction as the city works to smooth out the rough and... more »
More restrictions for area door-to-door salespeople
June 20, 2013 10:31 PMGONZALES- Door-to-door sales are restricted after Thursday's council meeting in Ascension Parish. A special permit will be needed, sale items will need prior approval and so would locations of where salespeople want to knock on doors. "It will make me feel safer," Terrance Pierre said. Pierre said he... more »
Talk of new library tabled Thursday night
February 21, 2013 11:21 PMBATON ROUGE- A decision about building a library in the Rouzan development in the Southdowns community was tabled Thursday night at the Library Board meeting. A city attorney was not satisfied with how the deal was written. A library has been planned as part of the project. ... more »
Baton Rouge Mardi Gras makes its own mark check to see if lock exists for regeneration Play Video
February 7, 2013 5:47 PMBATON ROUGE - Mardi Gras in the capital city marches to the beat of a different drummer than its cousin in New Orleans. "Whatever Rex is, we try to do the opposite," said Nelson Maddox, a 30-year veteran of Spanish Town's Mardi Gras celebrations. "The king and queen are... more »
Southdowns parade to close parts of Stanford Avenue, Perkins Road Friday
February 7, 2013 2:43 PMBaton Rouge- Portions of Stanford Avenue and Perkins Road in Baton Rouge will be closed due to the Southdowns Mardi Gras Parade Friday evening. This is in addition to residential streets in the Southdowns neighborhood. Stanford from Hyacinth Avenue to Perkins Road will be closed from 8 p.m.... more »
Southdowns Parade changes route check to see if lock exists for regeneration Play Video
February 4, 2013 10:41 PMBATON ROUGE- Construction forced a route change for a popular Mardi Gras parade in Baton Rouge. Southdowns won't roll on its usual parade route Friday. Instead, it'll go around sewer work and avoid Cloverdale, which is a popular street for the parade. Cloverdale has been a part... more »
Controversial Southdowns issue pulled from consideration check to see if lock exists for regeneration Play Video
November 20, 2012 5:36 PMBATON ROUGE- A controversial plan to rezone a property at the corner of Perkins Road and Stuart Avenue is dead. Opponents say it was part of a purchase agreement which would have allowed two psychiatrists to open an office on the site. Homeowners in the Southdowns neighborhood say... more »
New ordinance requires people to get door-to-door permit check to see if lock exists for regeneration Play Video
August 23, 2012 5:41 PMBATON ROUGE - A new ordinance will require solicitors to carry an identification badge issued by the East Baton Rouge city-parish. The ID will cost $5, and identify them as legitimate salespeople. Solicitors will need to apply by submitting their address, description of their products and make and model... more »
Sinkhole causing problems in Southdowns
March 3, 2011 3:04 PMA sinkhole is causing a few headaches in one Baton Rouge neighborhood. Department of Public Works crews say they are fixing the hole right now on Hyacinth, that's in the Southdowns area. DPW will be laying the final bit of asphalt on Friday, but do not anticipate the... more »


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ERP applications helped dampen the interest in 1990s-era reengineering, but little by little it is coming back as businesses identify and automate areas untouched by such systems. The flow of actual process improvements will likely last longer this time, CIO Journal Columnist Thomas H. Davenport writes, but interested parties must exercise restraint in their expectations. Read More »
Jul 8, 2015


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Gary Kish, MD
Gary Kish, MD
Gary Kish graduated from the University of Rochester School of Medicine and Dentistry in 1966 followed by completion of General Surgery residency at the Medical College of Virginia, Richmond VA, and Orthopedic Surgery residency at Strong Memorial Hospital, Rochester, NY. He then served in the USAF as a Major stationed at the Wright Patterson USAF Regional Hospital, Dayton, Ohio. In 1973 he entered the private practice of Orthopedic Surgery in Portsmouth, NH. From 1997 until the present, he has been the Orthopedic Consultant at the PRH Wound Care Clinic with interests in extremity wounds, the diabetic foot, and Hyperbaric Medicine.
Since 2007 he has been a Visiting Professor in the Anatomy, Histology and Embryology Department at the Faculty of Medicine, University of Debrecen, Debrecen, Hungary. He teaches computer assisted human anatomy and is co-director of the Plastination Program.
Medical Education & Training
Medical School: University of Rochester School of Medicine and Dentistry, Rochester, NY
Residency: University of Rochester; Genesee Hospital
Specialty Board Certifications: Orthopedic Surgery, American Board of Orthopedic Surgery
Gary Kish, MD
Wound Care
See more Wound Care Physicians
Sub Specialty
Orthopedic Surgery
See more Orthopedic Surgery Physicians
Gary Kish, MD
Office Locations
333 Borthwick Avenue
Suite 305
Portsmouth, NH 03801
Phone: (603) 433-6994


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Tennessee's per-gallon gas price average falls 4 cents
The average per-gallon price of regular gas in Tennessee was $3.38 Sunday, a drop of four cents compared to the mark from the previous week, according to AAA.
Relatedly, the Nashville market's per-gallon gas price average (see below) on Sunday was $3.44, down four cents from the $3.48 mark from a week ago.
During the past few weeks, oil prices have remained relatively stable, trading between $104 and $108 a barrel. Although expensive, according to AAA, the stability has helped keep pump prices from spiking as initially forecast.
Currently, equal pressures weigh on the market which is why both oil and gas prices have fluctuated since the Independence Day holiday, AAA reported. The cost for a barrel of crude dropped near $107 last week after the U.S. Labor Department reported fewer jobs were added in July than expected. However, the increased tensions in the Mideast and North Africa — along with the worldwide travel alert — have the market on edge and could cause fuel prices to spike should violence escalate in the region, AAA reported.
"As always, there are multiple factors [impacting] both oil and gas prices, yet motorists are paying only a few cents difference on average than they did this time last year," Jessica Brady, AAA spokeswoman, The Auto Club Group, said in a release. "So far, we haven't seen motorists make extensive behavior changes to their daily routines to save money as a direct result of increased gas prices. Although pump prices have made little movement in the past couple of weeks, there are still many variables that can cause prices to jump on a whim."
The cost for a barrel of oil closed last Friday at $104 on the NYMEX — only 70 cents less than the mark from the week prior.
The national average price of regular unleaded gasoline was $3.61 as of Sunday, two cents less than the figure of last week.
For comparison with Tennessee's average of $3.38, Georgia's average price for a gallon of regular gas as $3.50 yesterday, unchanged compared to the mark of last Sunday.


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Fantastic way to kick off a vacation. Chris is a great capt for a leisurely cruise.
One the best things to do here! Low key, very comfy, fun and relaxing!
Great, low-key boat ride on the intracoastal...bring beer or wine out for a couple of hours and check out the history and architecture of Ft. Lauderdale
Great gondola ride via an electric powered gondola, nice 2 hours ride, see chris


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35 • San Francisco, CA • Man
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Get this album started!
Albums are a great way to showcase other aspects of your life, like hobbies, pets, etc.
Credit to fixieparty for this horrifyingly accurate portrayal of me.
I let a NeonTiger turn my body into an art display.
Your electric eyes pointing at me is not an occasion for standing still.
Making use of my environment.
I like to look up to this guy. Not shown: I also like to look down on this guy.
The jester here "to witness this union and serve as its protector."
It's my party and I'll lie if I want to.
Mammals need sleep.
My tan makes me sad, but I still like nudity. And this is by far the most revealing photo on here, in more than the obvious way.
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Okay, so it's not THAT dire, I just can't decide. :P
I know I'm a big ol' procrastinator, but I am working on my 2 y/o's costume. she's going as Cinderella this year.
Sooo, opinions-
Basic gathered skirt, or circle skirt? Which one is more Cinderella-y?
(Yes, I just made that up)
DD would love the twirliness of a circle skirt, but a gathered skirt would be so much less time consuming.


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Resolution: standard / high
Figure 3.
FDG PET/CT scan. A: Extensive nodular thickening of the right pleura at presentation showing intense FDG uptake without distinct pleural effusion and parenchymal lung lesions. B: Marked improvements with decreased positive signals after 6 months of antituberculous chemotherapy.
Shinohara et al. BMC Infectious Diseases 2013 13:12 doi:10.1186/1471-2334-13-12


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Criminal finally charged for killing transgender woman & trafficking 11-year-old girl
On December 3, 2014, Deshawnda "Ta-Ta" Sanchez, a transgender woman, was trying to run to safety after she was robbed and assaulted. Sanchez was shot and…
On December 3, 2014, Deshawnda "Ta-Ta" Sanchez, a transgender woman, was trying to run to safety after she was robbed and assaulted. Sanchez was shot and…
Brenda Myers-Powell, a former prostitute who now works as a peer specialist and counselor for the Cook County Sheriff's Department, speaks to female inmates at a meeting of Prostitution Anonymous at the Cook County Jail in Chicago, on Friday, Aug. 16, 2013. Myers-Powell, who leads the group, says independence should be the goal. Early in the process, it's good for the public to understand that victims are victims, she says. "But you can't stay a victim forever," she says. "At some point, you become a survivor." (AP Photo/Martha Irvine) by Martha IrvineAP National Writer CICERO, Ill. (AP) — Cops in the Chicago area call it a "track," a stretch of street known for its steady sex trade. Women in tight, scant clothing stand in high heels on street corners along an industrial strip in suburban Cicero. Customers, usually men, slow their cars and roll down a window.
Vincent George Sr., right, and Vincent George Jr. listen to closing arguments in a courtroom in New York, June 6, 2013. (AP Photo/Seth Wenig) by Colleen LongAssociated Press Writer NEW YORK (AP) — The evidence of sex trafficking was tattooed on the bodies of the prostitutes: Their pimps' names branded onto skin, scrolled across chests and inked onto pelvises, prosecutors said. They were women so traumatized by their horrible circumstances that they lied on the witness stand to protect their abusers in a criminal trial in Manhattan, prosecutors said during closing arguments Thursday in the case. Three women testified that they begged the father and son team for the tattoos, eager to show their love for the men. They said they were one big happy family, living a suburban life as "wife-in-laws" in Allentown, Pa., commuting by night about 100 miles to work the Manhattan streets.
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Career Planning >> Browse Articles
Browse Career Planning Articles
Part-Time? No Problem!Has someone told you that only full-time students can cash in on financial aid programs? If so, listen up. It's time to bust another higher education myth. It's true that many financial aid programs are limited to full-time students, but determined part-time college-goers like you can also leverage the system to subsidize your educational opportunities. If knowledge is power, then arming ...Published about 7 years ago |
Congratulations, Your Student is a College Graduate. What's Next?Graduating from college is a major milestone. Once you have finished celebrating your student's success, it's time to help your student determine their next steps. Your student's college degree is a stepping stone to other future life achievements. So what's next for your student after college? For some students, the career they want to pursue requires a graduate degree; others may ...Published over 2 years ago |
Not Enough Experience?It's a catch-22: You want a job to gain experience, but you can't find a job because previous experience is required. Don't be discouraged. You can still put your best foot forward and have a shot at the job. Follow these steps to create a winning resume: Select the Right Format The two most effective resume formats for entry-level workers are ...Published about 7 years ago |
Internship Interview TipsNo matter where you are in life, interviews are stressful. Whether you've been through hundreds or it's your first interview experience, the preparation process is filled with anxiety. Chances are, if you're interviewing for an internship opportunity, you haven't been through that many interviews in your lifetime. But, the more you prepare, the less anxious you'll feel. Lucky for you, the ...Published over 1 year ago |
Why your Degree Won't Guarantee a JobLet's pretend you're a senior biology major, but the only reason you chose biology in the first place is because you liked going to zoos and didn't really know what else to major in. Now as graduation approaches, you wish you could go back and major in communications and become a writer instead. Changing your major now isn't a realistic option. ...Published over 6 years ago |
FICA Who? Understand your "Disappearing" PaycheckWith a job offer in hand and your first paycheck on the way, you may be daydreaming about how you'll spend your paycheck—on a new work wardrobe, furniture for a new apartment, maybe a better car. But how much spending money can you really expect from your paycheck? It helps to remember that more than 20 percent of your salary may ...Published over 6 years ago |
Why We Interned: Benefits of InternshipsIf you're on the fence about whether or not to pursue an internship during college, the statistics alone should convince you to do one. Employers overwhelmingly point to internship experience as the most important factor they consider in hiring new college graduates for full-time positions, and they have a variety of self-serving reasons for feeling that way. How do you benefit ...Published almost 3 years ago |
Resume Tip: Use NumbersIf you were an employer looking at a resume, which of the following entries would impress you more? Wrote news releases. Wrote 25 news releases in a three-week period under daily deadlines. Clearly the second statement carries more weight. Why? Because it uses numbers to quantify the writer's accomplishment, giving it a context that helps the interviewer understand the degree of ...Published about 7 years ago |
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I also think, that it is hard to ruin a picture from good scenery with good light by any technical deficiency. First of all the composition and the display of b/w tones or colours make a good photograph.
But that sharpness or resolution don´t make a good picture is a commonplace that is always heard if someone cares (too much) about them. Don´t misunderstand me - I neither want to start a resolution competition nor I want to burden photography as a creative art with a technical overkill.
I know if I would enlarge my 5x7 inch negs to a size of 12x16 inch, all resolution problems would be solved forever and focal length and largest aperture would be the only things I would have to think of when I had to decide between lenses. Yet one but not the only reason why I shoot 5x7 inch is that I want to make really large prints that are perfect sharp. The reason why I asked for your lines per millimeter is that I think about changing from LF to MF for convenience and to be more flexible. Since I usually can not enlarge LF negs more than 4 times when I critically look after the print´s sharpness I wonder if I can produce the same results in the same print size with the same fine details using MF. My impression is that in LF the sharpness you can achieve is limited by many accidental, small influences. To say it clearly: If I usually end at 30 lpm in 5x7 inch then maybe I should take a MF camera (6x7 cm or 6x9 cm) where it could be easy to produce the double resolution or even some more. A 6x9 cm neg that I can enlarge 8 times because of its higher resolution creates the same maximum print size as a 5x7 neg that I can enlarge (only) 4 times.
Therefore I wanted to hear from you, if your everyday LF results regarding the resolution are usually the same, lower or higher as mine. If the latter was the case I should increase my craftsmanship or maybe fine tune my equipment.
P.S. I have a 12 x 16 inch print of one of my sharpest 35 mm negs shot with Technical Pan that has got beautiful rich and smooth tones, practically no visible grain and is sharp enough for my taste. If I enlarge Adox / Rollei ORTHO about 8 times I still have very pleasing and smooth tones. So please don´t argue that I should stick to LF because of the grain or the beauty of the tones.


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Paul Wellstone: The Life of a Passionate Progressive (Paperback)
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Product Overview"Paul Wellstone, we miss you. Few politicians, especially these days, are as willing to stand up and speak the truth as Wellstone was. In this era of flaccid rhetoric and pre-approved sound bites, he had the rare ability to ignite a fire in his audiences. Bill Lofy's excellent biography rekindles that fire and reminds us just how much politicians of Wellstone's honesty, character, and spine are needed---now more than ever. This book should inspire a new generation of voters and political leaders alike."
---Arianna Huffington, columnist and editor of HuffingtonPost.com
"This book captures the vibrant spirit of my friend Paul Wellstone---the fierce commitment to justice that defined his life, and that shapes his enduring legacy."
---U.S. Senator Russ Feingold
"Paul Wellstone was a great leader because he fused progressive idealism with a stubbornly pragmatic politics. Bill Lofy's book captures that dual commitment in his story of Wellstone's life, and also shows us the extraordinary human appeal that Wellstone emanated in his relationships with people in all walks of life. This book is an engaging read that also tells us a lot about the political practice to which we should aspire."
---Frances Fox Piven, author of "The War at Home
"This vividly written book captures the life and personal qualities of the late Senator Paul Wellstone. In so doing it provides an illuminating gloss on Max Weber's seminal exposition of the political vocation. It is a jewel of a book."
-Fred Greenstein, Princeton University
Bill Lofy's fast-paced and readable biography tells the inspirational story of one of the most compelling figures in the history of American politics---SenatorPaul Wellstone.
Yet Lofy's book is more than just the chronicle of Wellstone's life and political career; it's also an indispensable guide to what ails political life today. Readers politically inclined or not will find in its pages a handbook to the uncertain and often treacherous business of politics and a stirring example for living a courageous and honest life---whether as public servant or private individual.
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Sun, 24 January 2010 at 7:20 pm
'Hope For Haiti Now' Telethon Raises $58 Million
The Hope For Haiti Now telethon has raised $58 million toward relief for Haiti disaster victims!
Friday's star-studded event brought together Hollywood's best and brightest to support the worthy cause and aired on more than 25 networks.
The Hope For Haiti Now album, comprised of the telethon's performances, is also #1 on the iTunes charts in more than 18 countries over the weekend, CNN said.
FYI: Sales from iTunes and corporate/large private donations have not yet been added to the $58 million total.
Like Just Jared on Facebook
Photos: Jeff Kravitz/Hope for Haiti Now Posted to: Hope For Haiti Now


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Today's Research on PulteGroup, Weyerhaeuser, Heckmann, and TASER Intl. PR Newswire LONDON, April 11, 2013 LONDON, April 11, 2013 /PRNewswire/ -- The rally in U.S. equity market has continued into the second quarter. All three major indexes have finished higher for three straight trading sessions. On Wednesday, the Dow Jones rose to a record high as stocks rallied on the back of encouraging economic data from China. Demand for risk assets also rose after minutes of Federal Reserve's latest FOMC suggested that the Fed is not likely to end its aggressive bond buying program anytime soon. Industrials were among the major gainers in the S&P 500 yesterday. Among the major movers in the sector were PulteGroup Inc. (NYSE: PHM), Weyerhaeuser Company (NYSE: WY), Heckmann Corporation (NYSE: HEK), and TASER International Inc. (NASDAQ: TASR). StockCall professionals have completed their technical analysis on PHM, WY, HEK, and TASR and these free reports are accessible by registering at http://www.stockcall.com/research Shares of PulteGroup Inc. slipped in Wednesday's trading session even as the broad market rallied. The stock closed 1.03% lower at $19.25 on above average volume of 8.68 million. Despite the pullback yesterday, PulteGroup's shares are still up more than 0.60% for the week. Year-to-date, the stock has gained 6%, underperforming the broad market. The company's shares have seen a sharp pullback after the stock failed to break through $21.50 resistance level. The stock is currently trading below its 50-day moving average, which is a bearish signal. Sign up for the free technical research on PHM at http://www.StockCall.com/PHM041113.pdf Shares of Weyerhaeuser Company rose sharply yesterday. The stock climbed to an intra-day high of $31.66 before finishing the day 1.15% higher at $31.63 on volume of 2.91 million. Weyerhaeuser's shares are currently trading close to their 52-week high of $31.74. The stock is currently trading above its 50-day and 200-day moving averages, which is a bullish signal. Its MACD has just crossed above the signal line, and is also trading above its zero-line, which further confirms the bullish trend. The company's shares have outperformed the broad market so far in 2013, gaining more than 14%. Be sure to read our latest technical research on WY by registering at http://www.StockCall.com/WY041113.pdf Shares of Heckmann Corporation rose sharply on Wednesday. The stock closed 2.23% higher at $4.12 on volume of 2.67 million. Heckmann's shares have recently moved above their 50-day moving average, which is a bullish signal. However, the stock has been facing stiff resistance at around $4.40. Shares of HEK are currently trading nearly 20% below their 52-week high. Year-to-date, the stock has gained more than 2.20%, underperforming the broad market. Sign up and read the complimentary report on HEK at http://www.StockCall.com/HEK041113.pdf TASER International Inc.'s shares were among the major gainers in the Industrials sector on Wednesday. The stock rose to an intra-day high of $8.12 before finishing the day 4.68% higher at $8.06 on above average volume of 691,193. The stock has gained more than 5% in the last three sessions. Despite recent gains, the company's shares are down more than 9.80% for the year. The stock, however, has just crossed above its 50-day moving average, which is a bullish signal. The positive trend is further confirmed by the stock's MACD chart. The free report on TASR can be downloaded by signing up now at http://www.StockCall.com/TASR041113.pdf About StockCall.com StockCall.com is a financial website where investors can have easy, precise and comprehensive research and opinions on stocks making the headlines. Sign up today to talk to our financial analyst at http://www.stockcall.com SOURCE StockCall.com Contact: Contact Person: William T. Knight, Email: firstname.lastname@example.com, Contact Number: +1-(646)396-9857 (9:00 am EST - 01:30 pm EST)
Today's Research on PulteGroup, Weyerhaeuser, Heckmann, and TASER Intl.
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LAS VEGAS, Nevada — Resurrection Fighting Alliance (RFA) announced another exciting addition to its fourth event, which is scheduled to take place on Friday, November 2nd in Las Vegas, Nevada. The bout is one of the more exciting bantamweight match-ups in recent memory. It will see two of MMA's most promising blue chip prospects square off in a well-matched battle between Chris Holdsworth (3-0) and Tyler Shinn (3-0).
Chris Holdsworth
TUFF-N-UFF: Chris Holdsworth vs. Gor Mnatsakanyan
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TUFF-N-UFF: Chris Holdsworth vs. Justin Linn
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Noun - hab·er·dash·er·y
The shop and its goods and wares of a haberdasher. Small articles for sewing, such as buttons, ribbons, zips, and other notions.
White Standard Ric Rac
Red Standard Ric Rac
Royal Blue Jumbo Ric Rac
Red Jumbo Ric Rac
Yellow Jumbo Ric Rac
Light Blue Jumbo Ric Rac
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MMA H.E.A.T. brings you the complete, unedited UFC 136 pre-fight conference call with Chael Sonnen and Brian Stann. UFC 136 takes place, Saturday, October 8, 2011 at the Toyota Center in Houston, Te watch video >>
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These carefully crafted photo-sculptures look like portals to another world
Captivating photography will often convey a sense of depth. Raleigh-based artist Scott Hazard extends this concept to a literal conclusion, merging photography with sculpture to create 2D scenes with 3D elements. Hazard uses carefully torn, layered photographs to represent clouds, smoke, and portals — adding a weird,… »


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The Angel Levine (1970)
Morris Mishkin is a elderly religious Jew in New York. His wife Fanny is very ill. He's a tailor, but he can't work because his back has given out. He doesn't even have enough money for Fanny's medicine. Finally, a black fellow appears from nowhere in the Mishkin kitchen. He says he's an angel from God, sent to help Mishkin. The black angel is even Jewish, named Alex Levine? But will Morris believe in the angel? And can the angel perform the miracle that he promises? Written by Martin Lewison
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|Ein Engel names Levin
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