text:
- Report: #277337
Report - Rebuttal - Arbitrate
Complaint Review: Mcm Collection Agency Formally Fingerhut Debt
Mcm Collection Agency Formally Fingerhut Debt8825 Aero Dr San Diego CA 92123 San Diego, California U.S.A.
Mcm Collection Agency Formally Fingerhut Debt Mcm collection agency trying to collect debt 3.5 years after chapter 7 bankruptcy San Diego California
*Consumer Comment: MCM is horrible
*Consumer Suggestion: Whoo, that's a doozy!
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However, wih the countless phone calls from this agent (we'll call him Alex),
He has spoken wth my husband, and my husband is the kind of person that can never say anything to upset anyone ,he basicly says uh huh to what anyone says just so they know he understands them.
My husband clearly disagrees with me being liable for this debt because of bankruptcy. He said he was just letting him rant. I guess Alex thought that my husband agreed to pay this debt now even with the bankrupcy because of his manner .So today was the first time I actually spoke with Alex and he says (because of my husband's uh huhs apparantly)
I have reaffirmed this debt regardless of the bankruptcy absolving me from this debt.
I hung up on him immediatly and left a message with the bankruptcy attorney
we used in 2004.
However my husband will still talk to him probally and I am worried that it will hurt me ,I myself will not speak with Alex again and I am not quite sure but I don't think my husband can reaffim my debt by speaking with Alex can he?
Please dont hesitate to respond
Thanks, A.M.
Spring Hill, Florida
This report was posted on Ripoff Report on 10/05/2007 04:38 PM and is a permanent record located here: http://www.ripoffreport.com/r/Mcm-Collection-Agency-Formally-Fingerhut-Debt/San-Diego-California-92123/Mcm-Collection-Agency-Formally-Fingerhut-Debt-Mcm-collection-agency-trying-to-collect-debt-277337. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
MCM is horrible
AUTHOR: Keithwhite - (U.S.A.)
SUBMITTED: Monday, November 23, 2009POSTED: Monday, November 23, 2009
MCM called me too. Its funny when a guy named John Smith calls you and can barely speak english. MCM is too cheap and lazy to hire American to collect money, they send all their accounts to India, in which they pay foreigners 1.15$ per hour to make calls to the USA. I suggest that if you own a USA company that at least use a collection agency in the USA and support our economy
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#2 Consumer Suggestion
Whoo, that's a doozy!
AUTHOR: Tim - (U.S.A.)
SUBMITTED: Monday, October 08, 2007POSTED: Monday, October 08, 2007
I am a bankruptcy attorney practicing in the Western District of Michigan. Here are a few things about bankruptcy:
1) There is no difference in the debts that can and can't be discharged in a Chapter 7 vs. a Chapter 13.
2) The debts that cannot be discharged in a comsumer bankruptcy are generally limited to moneys owed to governmental bodies (taxes, fines, etc), child support, federally subsidized student loans, restitution for criminal offenses, and a few others that don't pertain to most people.
3) A discharged debt CAN NOT be reaffirmed, in ANY way. Reaffirmation can ONLY occur BEFORE the discharge order comes down.
4) Attempting to collect on a debt that has been discharged in bankruptcy is a violation of the Bankruptcy Code, it's a violation of a court order, and it's a violation of the FDCPA.
5) Giving someone false information regarding a bankruptcy case or the status of a debt in a bankruptcy case is a violation of the Bankruptcy Code as well as a violation of the U.S. Criminal Code (U.S.C. Title 18).
6) The provision of information regarding the status of a discharged debt, and advising a consumer thereon, constitutes the practice of law. When such advice is given by a non-lawyer, this constitutes the practice of law without a license. This is a criminal offense.
You have a couple of options. The first, and by far the best option is to hire a lawyer and file some claims against these guys.
The second option is to send them a letter. Outline all of the violations of the law I mentioned above. Let them know that you are considering litigation. Tell them that, in exchange for a payment of $1000 to you, representing the statutory damages allowed for their violation of the FDCPA, and a promise to forebear from any further collection activities, you will execute a release of all claims that you have against them. Otherwise, you will file a civil claim against them for any civil law violations, and you will forward the details of your case to the judge assigned to your bankruptcy case, the U.S. Trustee assigned to your case, your local federal District Attorney, and the Federal Trade Commission.
Best of luck!
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
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text:
Diabetes Health Center
Inhaled Insulin May Help Treat Diabetes
June 24, 2010 -- Inhaled insulin proved to be as effective at lowering blood sugar levels as standard insulin injection treatment, and with minimal side effects, among patients with uncontrolled type 2 diabetes, according to a new study.
Reporting in this week's American Diabetes Association meeting and in The Lancet, researchers compared two approaches to managing type 2 diabetes among patients ages 18 to 80 from 10 different countries. The patients were nonsmokers and had poor control of blood sugar despite insulin therapy.
A total of 211 patients received inhaled insulin plus insulin glargine, a long-lasting form of insulin taken by injection, before bedtime to help manage blood sugar. They were compared with a comparison group of 237 patients who did not use the inhaler, but received insulin injections instead.
One year after treatment, the researchers found that:
- Blood sugar levels were similar in the two groups; 22% of patients in the inhaled insulin/insulin glargine group reached a goal A1c level of 7% or less while 27% of those solely on insulin injections reached the goal.
- Patients using the inhaler gained less weight -- a major concern among diabetes patients. The inhaler group gained only an average of about 2 pounds, whereas the control group gained an average of about 5.5 pounds.
- Patients using the inhaler had fewer episodes of hypoglycemia -- a sudden drop in blood sugar -- than those in the comparison group, occurring in 31% of patients on inhaled insulin/insulin glargine group vs. 49% of those in the insulin injection group.
- Patients using the inhaler reported more side effects with coughing and upper respiratory infections. Most of the coughing occurred within the first 10 minutes of inhalation and primarily during the first week of treatment and declined as treatment continued.
- Prior use of metformin, an oral drug commonly taken to manage blood sugar, did not affect results among the two groups of patients.
"Our findings show that inhaled insulin plus insulin glargine, alone or in combination with an oral antidiabetes drug such as metformin, is an effective alternative to conventional insulin therapy (biaspart insulin) in uncontrolled type 2 diabetes," study researcher Julio Rosenstock, MD, and colleagues write. "Inhaled insulin ... could provide improved blood sugar control with lower weight gain and rates of hypoglycaemia in many individuals with type 2 diabetes."
Today on WebMD
WebMD Special Sections
- Managing Diabetes, Insulin, and High Blood Sugar
- Your Child and Type 1 Diabetes
- Next-Level Fitness When You Have Diabetes
- Type 2 Diabetes: Learn How New Treatments Can Help You
- Live Better Daily With Diabetes
- 8 Snacks That Won't Spike Your Blood Sugar
- Living with Diabetes Assessment
- Diabetes: Keys to Better Daily Control
- I Have Diabetes: Is Insulin Right For Me?
- What Kinds of New Insulin Are Out There?
- Diabetes as You Age: Stay Active, Live Better
- Diabetes: Ready to Lower Your Blood Sugar?

subset: commoncrawl


text:
Quotes & Info
|MBWM > SEC Filings for MBWM > Form 10-Q on 8-Nov-2012
|All Recent SEC Filings
Quarterly Report
Forward Looking Statements
This report contains forward-looking statements that are based on management's beliefs, assumptions, current expectations, estimates and projections about the financial services industry, the economy, and our company. Words such as "anticipates," "believes," "estimates," "expects," "forecasts," "intends," "is likely," "plans," "projects," and variations of such words and similar expressions are intended to identify such forward-looking statements. These statements are not guarantees of future performance and involve certain risks, uncertainties and assumptions ("Future Factors") that are difficult to predict with regard to timing, extent, likelihood and degree of occurrence. Therefore, actual results and outcomes may materially differ from what may be expressed or forecasted in such forward-looking statements. We undertake no obligation to update, amend, or clarify forward looking-statements, whether as a result of new information, future events (whether anticipated or unanticipated), or otherwise.
Future Factors include, among others, changes in interest rates and interest rate relationships; demand for products and services; the degree of competition by traditional and non-traditional competitors; changes in banking regulation or actions by bank regulators; changes in tax laws; changes in prices, levies, and assessments; the impact of technological advances; governmental and regulatory policy changes; the outcomes of contingencies; trends in customer behavior as well as their ability to repay loans; changes in local real estate values; changes in the national and local economies; and risk factors described in our annual report on Form 10-K for the year ended December 31, 2011 or in this report. These are representative of the Future Factors that could cause a difference between an ultimate actual outcome and a forward-looking statement.
The following discussion compares the financial condition of Mercantile Bank Corporation and its consolidated subsidiaries, Mercantile Bank of Michigan ("our bank"), and our bank's three subsidiaries, Mercantile Bank Mortgage Company, LLC ("our mortgage company"), Mercantile Bank Real Estate Co., LLC ("our real estate company") and Mercantile Insurance Center, Inc. ("our insurance company"), at September 30, 2012 and December 31, 2011 and the results of operations for the three and nine months ended September 30, 2012 and September 30, 2011. This discussion should be read in conjunction with the interim consolidated financial statements and footnotes included in this report. Unless the text clearly suggests otherwise, references in this report to "us," "we," "our" or "the company" include Mercantile Bank Corporation and its consolidated subsidiaries referred to above.
Critical Accounting Policies
Accounting principles generally accepted in the United States of America are complex and require us to apply significant judgment to various accounting, reporting and disclosure matters. We must use assumptions and estimates to apply these principles where actual measurements are not possible or practical. Management's Discussion and Analysis of Financial Condition and Results of Operations should be read in conjunction with our unaudited financial statements included in this report. For a discussion of our significant accounting policies, see Note 1 of the Notes to our Consolidated Financial Statements included on pages F-47 through F-54 in our Form 10-K for the fiscal year ended December 31, 2011 (Commission file number 000-26719). Our allowance for loan losses policy and accounting for income taxes are highly dependent upon subjective or complex judgments, assumptions and estimates. Changes in such estimates may have a significant impact on the financial statements, and actual results may differ from those estimates. We have reviewed the application of these policies with the Audit Committee of our Board of Directors.
Allowance for Loan Losses: The allowance for loan losses ("allowance") is maintained at a level we believe is adequate to absorb probable incurred losses identified and inherent in the loan portfolio. Our evaluation of the adequacy of the allowance is an estimate based on past loan loss experience, the nature and volume of the loan portfolio, information about specific borrower situations and estimated collateral values, guidance from bank regulatory agencies, and assessments of the impact of current and anticipated economic conditions on the loan portfolio. Allocations of the allowance may be made for specific loans, but the entire allowance is available for any loan that, in our judgment, should be charged-off. Loan losses are charged against the allowance when we believe the uncollectability of a loan is likely. The balance of the allowance represents our best estimate, but significant downturns in circumstances relating to loan quality or economic conditions could result in a requirement for an increased allowance in the future. Likewise, an upturn in loan quality or improved economic conditions may result in a decline in the required allowance in the future. In either instance, unanticipated changes could have a significant impact on operating earnings.
The allowance is increased through a provision charged to operating expense. Uncollectable loans are charged-off through the allowance. Recoveries of loans previously charged-off are added to the allowance. A loan is considered impaired when it is probable that contractual interest and principal payments will not be collected either for the amounts or by the dates as scheduled in the loan agreement. Impairment is evaluated in aggregate for smaller-balance loans of similar nature such as residential mortgage, consumer and credit card loans, and on an individual loan basis for other loans. If a loan is impaired, a portion of the allowance is allocated so that the loan is reported, net, at the present value of estimated future cash flows using the loan's existing rate or at the fair value of collateral if repayment is expected solely from the collateral. The timing of obtaining outside appraisals varies, generally depending on the nature and complexity of the property being evaluated, general breadth of activity within the marketplace and the age of the most recent appraisal. For collateral dependent impaired loans, in most cases we obtain and use the "as is" value as indicated in the appraisal report, adjusting for any expected selling costs. In certain circumstances, we may internally update outside appraisals based on recent information impacting a particular or similar property, or due to identifiable trends (e.g., recent sales of similar properties) within our markets. The expected future cash flows exclude potential cash flows from certain guarantors. To the extent these guarantors provide repayments, a recovery would be recorded upon receipt. Loans are evaluated for impairment when payments are delayed, typically 30 days or more, or when serious deficiencies are identified within the credit relationship. Our policy for recognizing income on impaired loans is to accrue interest unless a loan is placed on nonaccrual status. We put loans into nonaccrual status when the full collection of principal and interest is not expected.
Income Tax Accounting: Current income tax liabilities or assets are established for the amount of taxes payable or refundable for the current year. In the preparation of income tax returns, tax positions are taken based on interpretation of federal and state income tax laws for which the outcome may be uncertain. We periodically review and evaluate the status of our tax positions and make adjustments as necessary. Deferred income tax liabilities and assets are also established for the future tax consequences of events that have been recognized in our financial statements or tax returns. A deferred income tax liability or asset is recognized for the estimated future tax effects attributable to temporary differences that can be carried forward (used) in future years. The valuation of our net deferred income tax asset is considered critical as it requires us to make estimates based on provisions of the enacted tax laws. The assessment of the realizability of the net deferred income tax asset involves the use of estimates, assumptions, interpretations and judgments concerning accounting pronouncements, federal and state tax codes and the extent of future taxable income. There can be no assurance that future events, such as court decisions, positions of federal and state tax authorities, and the extent of future taxable income will not differ from our current assessment, the impact of which could be significant to the consolidated results of operations and reported earnings.
Accounting guidance requires that we assess whether a valuation allowance should be established against our deferred tax assets based on the consideration of all available evidence using a "more likely than not" standard. In making such judgments, we consider both positive and negative evidence and analyze changes in near-term market conditions as well as other factors which may impact future operating results. Significant weight is given to evidence that can be objectively verified. During 2011, we returned to pre-tax profitability for four consecutive quarters. Additionally, we experienced lower provision expense, continued declines in nonperforming assets and problem asset administration costs, a higher net interest margin, a further strengthening of our regulatory capital ratios and additional reductions in wholesale funding. This positive evidence allowed us to conclude that, as of December 31, 2011, it was more likely than not that we returned to sustainable profitability in amounts sufficient to allow for realization of our deferred tax assets in future years. Consequently, we reversed the valuation allowance that we had previously determined necessary to carry against our entire net deferred tax asset starting on December 31, 2009.
Financial Overview
Over the past several years, our earnings performance was negatively impacted by substantial provisions to the allowance as well as administrative costs associated with problem assets. Ongoing state, regional and national economic struggles negatively impacted some of our borrowers' cash flows and underlying collateral values, leading to an elevated level of nonperforming assets, higher loan charge-offs and increased overall credit risk within our loan portfolio. We have worked with our borrowers to develop constructive dialogue to strengthen our relationships and enhance our ability to resolve complex issues. Although we have experienced significant improvement in our asset quality since the beginning of the latter part of 2010, in part due to modestly improving economic conditions, the environment for the banking industry will likely remain stressed until economic conditions further improve.
We recorded a net profit for the third quarter of 2012, our seventh consecutive quarterly net profit after over two years of quarterly losses. A significantly lower provision expense has primarily provided for the improved earnings performance; however, our improved earnings performance also reflects the many initiatives over the past several years to not only partially mitigate the impact of asset quality-related costs in the near term, but to benefit us on a longer-term basis as well. First, our net interest margin has improved as we have lowered local deposit rates and have replaced maturing higher-rate deposits and borrowed funds with lower-cost funds, while at the same time our commercial loan pricing initiatives have helped to mitigate the negative impact of a relatively high level of nonaccrual loans and more recently competitive commercial loan pricing pressures. In addition, we are increasing our local deposit balances, reflecting the successful implementation of various initiatives, campaigns and product enhancements. The local deposit growth, combined with the reduction of loans outstanding, have provided for a substantial reduction of, and reliance on, wholesale funds. Next, our regulatory capital position has increased substantially, primarily reflecting the impact of the net income recorded during the past seven quarters. Lastly, improved asset quality has provided for reductions in problem asset administration costs, while our improved financial condition and operating performance have resulted in lower Federal Deposit Insurance Corporation ("FDIC") insurance assessments.
Our improved financial condition and earnings performance were major contributing factors to our decision to repurchase the $21.0 million in non-voting preferred stock issued in May 2009 to the U.S. Department of the Treasury under the Treasury's Capital Purchase Program, as part of the Troubled Asset Relief Program, during the second quarter of 2012. In addition, during the third quarter of 2012, we repurchased the warrant we had issued to the U.S. Department of the Treasury on May 15, 2009 in connection with our participation in the Capital Purchase Program, for $7.5 million. The warrant provided the U.S. Department of the Treasury with the right to purchase 616,438 shares of our common stock at a price of $5.11 per share.
Our asset quality metrics remain on an improving trend, and we are optimistic that the positive trend will continue. In aggregate dollar amounts, nonperforming asset levels have declined almost 70% since the peak level at March 31, 2010, and at September 30, 2012, were at the lowest level since December 31, 2007. Progress in the stabilization of economic and real estate market conditions has provided for numerous loan rating upgrades, significantly lower volumes of loan rating downgrades and reduced net loan charge-offs, allowing for substantially lower provision expense. We expect a continuation of improved market conditions will provide for lower future period provision expense and problem asset administration costs when compared to levels over the past several years.
Financial Condition
During the first nine months of 2012, our total assets decreased $44.9 million, and totaled $1.39 billion as of September 30, 2012. The decline in total assets was comprised primarily of a $37.3 million decrease in securities and a $37.1 million reduction in total loans, more than offsetting a $27.6 million increase in cash and cash equivalents. Our total liabilities declined $24.4 million during the first nine months of 2012. Securities sold under agreements to repurchase ("repurchase agreements") decreased $12.5 million, Federal Home Loan Bank ("FHLB") advances declined $10.0 million and total deposits decreased $4.5 million. In addition, shareholders' equity declined $20.4 million primarily due to the $21.0 million repurchase of preferred stock and the $7.5 million repurchase of the common stock warrant, more than offsetting the $8.5 million in net income attributable to common shares.
Our loan portfolio is primarily comprised of commercial loans. Commercial loans declined $39.5 million during the first nine months of 2012, and at September 30, 2012 totaled $957.4 million, or 92.5% of the loan portfolio. The decline in outstanding balances primarily reflects the impact of a concerted effort on our part to reduce the level of nonperforming commercial loans and commercial loans on our watch list (i.e., loans internally graded 7 and 8 - see Note 3 for additional information on our internal commercial loan grading system), as well as exposure to certain non-owner occupied commercial real estate ("CRE") lending. We did extend credit to several new commercial loan relationships and saw increased activity from some of our existing commercial loan customers during the first nine months of 2012; however, due in part to the ongoing sluggishness in business activity in our markets, our efforts to reduce the exposure to certain market segments and competitive pressures, our commercial loan portfolio declined. Loans collateralized by owner-occupied CRE increased $4.3 million and commercial and industrial ("C&I") loans increased $11.2 million during the first nine months of 2012. Line of credit usage was relatively unchanged during the period, although we would expect to see an increase in commercial line of credit usage when economic conditions improve. During the same nine month time period, loans collateralized by non-owner occupied CRE decreased $34.8 million and loans collateralized by multi-family and residential rental properties declined by $14.9 million. Our systematic approach to reducing our exposure to certain non-owner occupied CRE lending will be prolonged, given the nature of CRE lending and depressed economic conditions; however, we believe that such a reduction is in our best interest when taking into account the increased inherent credit risk and nominal deposit balances generally associated with the targeted borrowing relationships.
The commercial loan portfolio represents loans to businesses generally located within our market areas. Approximately 72% of the commercial loan portfolio is primarily secured by real estate properties, with the remaining generally secured by other business assets such as accounts receivable, inventory and equipment. The continued concentration of the loan portfolio in commercial loans is consistent with our strategy of focusing a substantial amount of our efforts on commercial banking. Corporate and business lending is an area of expertise for our senior management team, and our commercial lenders have extensive commercial lending experience, with most having at least ten years' experience. Of each of the loan categories that we originate, commercial loans are most efficiently originated and managed, thus limiting overhead costs by necessitating the attention of fewer employees. Our commercial lending business generates the largest portion of local deposits and is our primary source of demand deposits.
The following table summarizes our loans secured by real estate, excluding residential mortgage loans representing permanent financing of owner occupied dwellings and home equity lines of credit:
9/30/12 6/30/12 3/31/12 12/31/11 9/30/11 Residential-Related: Vacant Land $ 6,042,000 $ 5,435,000 $ 5,591,000 $ 5,679,000 $ 5,673,000 Land Development 14,639,000 15,256,000 16,173,000 17,007,000 17,441,000 Construction 4,031,000 4,055,000 4,318,000 4,923,000 4,647,000 24,712,000 24,746,000 26,082,000 27,609,000 27,761,000 Comm'l Non-Owner Occupied: Vacant Land 8,793,000 8,827,000 9,255,000 10,555,000 11,082,000 Land Development 13,798,000 14,355,000 14,418,000 14,486,000 14,541,000 Construction 9,877,000 15,424,000 16,936,000 13,615,000 11,061,000 Commercial Buildings 333,407,000 350,762,000 357,128,000 376,805,000 397,279,000 365,875,000 389,368,000 397,737,000 415,461,000 433,963,000 Comm'l Owner Occupied: Construction 5,316,000 3,751,000 6,198,000 4,213,000 2,986,000 Other 6,617,000 6,811,000 7,246,000 7,445,000 7,591,000 Commercial Buildings 271,364,000 281,519,000 273,376,000 268,479,000 269,776,000 283,297,000 292,081,000 286,820,000 280,137,000 280,353,000 Total $ 673,884,000 $ 706,195,000 $ 710,639,000 $ 723,207,000 $ 742,077,000
Residential mortgage loans and consumer loans increased in aggregate $2.4 million during the first nine months of 2012, and at September 30, 2012, totaled $77.9 million, or 7.5% of the total loan portfolio. Although the residential mortgage loan and consumer loan portfolios may increase in future periods, we expect the commercial sector of the lending efforts and resultant assets to remain the dominant loan portfolio category.
Our credit policies establish guidelines to manage credit risk and asset quality. These guidelines include loan review and early identification of problem loans to provide appropriate loan portfolio administration. The credit policies and procedures are meant to minimize the risk and uncertainties inherent in lending. In following these policies and procedures, we must rely on estimates, appraisals and evaluations of loans and the possibility that changes in these could occur quickly because of changing economic conditions. Identified problem loans, which exhibit characteristics (financial or otherwise) that could cause the loans to become nonperforming or require restructuring in the future, are included on the internal watch list. Senior management and the Board of Directors review this list regularly. Market value estimates of collateral on impaired loans, as well as on foreclosed and repossessed assets, are reviewed periodically; however, we have a process in place to monitor whether value estimates at each quarter-end are reflective of current market conditions. Our credit policies establish criteria for obtaining appraisals and determining internal value estimates. We may also adjust outside and internal valuations based on identifiable trends within our markets, such as recent sales of similar properties or assets, listing prices and offers received. In addition, we may discount certain appraised and internal value estimates to address distressed market conditions.
The levels of net loan charge-offs and nonperforming assets have been elevated since early 2007. The substantial and rapid collapse of the residential real estate market that began in 2007 had a significant negative impact on the residential real estate development lending portion of our business. The resulting decline in real estate prices and slowdown in sales stretched the cash flow of our local developers and eroded the value of our underlying collateral, which caused elevated levels of nonperforming assets and net loan charge-offs. Since 2007, we have also witnessed stressed economic conditions in Michigan and throughout the country. The resulting decline in business revenue negatively impacted the cash flows of many of our borrowers, some to the point where loan payments became past due. In addition, real estate prices have fallen significantly, thereby exposing us to larger-than-typical losses in those instances where the sale of collateral is the primary source of repayment. Also during this time, we have seen deterioration in guarantors' financial capacities to fund deficient cash flows and reduce or eliminate collateral deficiencies.
Throughout 2008, we experienced a rapid deterioration in a number of commercial loan relationships which previously had been performing satisfactorily. Analysis of certain commercial borrowers revealed a reduced capability on the part of these borrowers to make required payments as indicated by factors such as delinquent loan payments, diminished cash flow, deteriorating financial performance, or past due property taxes, and in the case of commercial and residential development projects slow absorption or sales trends. In addition, commercial real estate is the primary source of collateral for many of these borrowing relationships and updated evaluations and appraisals in many cases reflected significant declines from the original estimated values.
Throughout 2009, 2010, 2011 and the first nine months of 2012, we saw a continuation of the stresses caused by the poor economic conditions, especially in the CRE markets. High vacancy rates or slow absorption have resulted in inadequate cash flow generated from some real estate projects we have financed, and have required guarantors to provide personal funds to make full contractual loan payments and pay other operating costs. In some cases, the guarantors' cash and other liquid reserves have become seriously diminished. In other cases, sale of the collateral, either by the borrower or us, is our primary source of repayment.
We are, however, encouraged by the apparent credit quality stabilization within our loan portfolio that began during the latter part of 2010. After a period of significant and ongoing increases from 2007 through September 30, 2009, the level of nonperforming assets was relatively unchanged through June 30, 2010 and then has generally declined through the end of the 2012 third quarter. Of particular note are the reduced level of additions to the nonperforming asset category and increased level of interest in, and sales of, foreclosed properties and assets securing nonperforming loans.
As of September 30, 2012, nonperforming assets totaled $35.9 million, or 2.6% of total assets, compared to $60.4 million (4.2% of total assets) and $56.8 million (3.8% of total assets) as of December 31, 2011 and September 30, 2011, respectively. The $24.5 million reduction during the first nine months of 2012 and the $20.9 million decline during the twelve-month period ended September 30, 2012, are associated with assets in all major categories as reflected in the table below. As of September 30, 2012, nonperforming loans and foreclosed properties associated with residential real estate totaled $9.4 million, reflecting reductions of $4.6 million and $7.9 million during the past nine and twelve months, respectively. Nonperforming loans secured by, and foreclosed properties consisting of, non-owner occupied CRE properties totaled $17.6 million at September 30, 2012, reflecting reductions of $12.5 million and $4.8 million during the past nine and twelve months, respectively.
The following table provides a breakdown of nonperforming assets by property type:
9/30/12 6/30/12 3/31/12 12/31/11 9/30/11 Residential Real Estate: Land Development $ 3,318,000 $ 3,946,000 $ 3,762,000 $ 5,479,000 $ 8,139,000 Construction 645,000 965,000 1,242,000 1,397,000 1,418,000 Owner Occupied / Rental 5,426,000 5,982,000 6,437,000 7,138,000 7,737,000 9,389,000 10,893,000 11,441,000 14,014,000 17,294,000 Commercial Real Estate: Land Development 1,158,000 1,174,000 1,531,000 2,111,000 1,885,000 . . .


text:
- Report: #420878
Report - Rebuttal - Arbitrate
Complaint Review: Mepco Finance Corporation
Mepco Finance CorporationPO BOX 5978 Carol Stream, Illinois U.S.A.
Mepco Fin. Corp. Mepco Finance Corporation Mepco Finance Corp. extended warranty Big Ripoff do not trust or purchase anything from this company. Carol Stream Illinois
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They use misleading, high pressure, unethical and improper sales tatics. You can never get to talk to a real live person most is press 1 for this or 2 for that. I do not recomend this company or any of its partner companys to anyone. DO NOT BUY FROM THIS COMPANY.
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This report was posted on Ripoff Report on 02/05/2009 11:57 PM and is a permanent record located here: http://www.ripoffreport.com/r/Mepco-Finance-Corporation/Carol-Stream-Illinois-60197/Mepco-Fin-Corp-Mepco-Finance-Corporation-Mepco-Finance-Corp-extended-warranty-Big-Ripof-420878. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Britain will make their first appearance on home soil since the London 2012 Olympic Games when they face Italy at the Ravenscraig Regional Sports Centre near Motherwell on April 4.
The team will then travel south to London as they host Greece, who ran out 43-14 winners in their opening phase one qualifying match in Loutraki back in October, at Crystal Palace three days later.
After that defeat, Greece went on to beat Italy 31-25 with Britain needing to win their two matches on home soil if they are to stand a chance of reaching the second phase of qualification.
Only the winner of three-team group advances and White, who was part of the British team at the London 2012 Olympics, believes achieving that feat isn't beyond the realms of possibility.
"We will be going into these matches with confidence, knowing that when we're at our best we can compete with these teams," said White.
"In June 2012 we lost narrowly to both teams away in Italy but I am hoping that on home soil, with a home crowd behind us, we can go that little bit further and go for the win.
"We have some great talent coming through from the under-19s, and if we can maintain some kind of momentum I think the future of this team will be in good hands."
- Sports & Recreation
- London 2012 Olympic Games


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Most Liked Positive Review
Solid pliers, good grip
These are decent, good quality locking pliers. They seem to hold well, and are made from a good quality steel that doesn't seem to round off too easily. I own two sets of...Read complete review
These are decent, good quality locking pliers. They seem to hold well, and are made from a good quality steel that doesn't seem to round off too easily. I own two sets of them, and the only time I had trouble was when I backed over the largest one with a pretty heavy car and it bent the smaller handle slightly. This kept if from locking easily, but I was able to bend it back with another one of the pliers and a pipe wrench and it has worked fine ever since. Sometimes they are a little too big to fit into tighter spaces, but they aren't any bigger than comparable pliers. The rubberized grip is a nice touch, but it can wear out after a while and slip.
Most Liked Negative Review
for occasional lite use only
As with most HF tools, they are only good enough to get you out of a jam or for occasional use. Just remember ,they are not "NAME BRAND" tools. Don't...Read complete review
As with most HF tools, they are only good enough to get you out of a jam or for occasional use. Just remember ,they are not "NAME BRAND" tools. Don't expect to compare them with Snap On, or similar brands. Frame of pliers started bending after clamping down on rusty bolt on first time use. I don't expect to get much use from them.
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Great Product at a great price!
By HTangent
from Woodbridge, Va
About Me Casual Do-It-Yourselfer
Comments about Pittsburgh 3 Pc Curved Jaw Locking Pliers Set:
I am using my vice grips on some home repairs that needed doing.
Bottom Line Yes, I would recommend this to a friend
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At this price, are you kidding!
By NoSpin
from NorCal
See all my reviews
Looks, feels, works like the ones they are way more expensive. Never have enough of these type tools.
Everyone can use these at some point.
By 1bigbaby
from Sherman, TX
I lent out the vice grip I had and it's nowhere to be found. These 3 were on sale for $7 and change. They seem to be sturdy. Always good to have around for little jobs.
Jaw locking pliers
By john
from indianapolis
About Me Avid Do-It-Yourselfer
vise grips. good so far.
Vice grip that grip easily.
By Teri
from Sacramento, CA
Easy grip. Strong hold. Meets needs exactly.
I love them
By Dylan schlagel
from East Brady pa
About Me Professional
The vise grips I bought were for my set at the garage I work at and so far they have not let me down. I'm very pleased with them.
I finally got a lock on my work
By hook12
from louisville ,ky
I use them to hold my work in place
Nice set
By Sal
from Illinois
This is a nice set of locking pliers.
Work great
By Chris
from Coffeeville, MS
With the curve jaw, they give you a nice size for going over large items.
Work Great
By POPS
from Lawrenceville Ga
They are excellent purchased for my 4 year old grandson who wants real tools not plastic toys
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Heracles (Hercules): The Twelve Labors
Heracles (Hercules): The Twelve Labors Resources
A great source for all things ancient Greek. We're linking to the page on Heracles.
Movie and TV Productions
Kevin Sorbo was the man in this popular series about Hercules' adventures.
When Heracles got Disnified... In this movie, Hera isn't the bad guy (she's actually Hercules' mom), Hades is. In other words, this movie isn't faithful to the original myth, but it's still fun.
As if a movie wasn't enough, Disney also made a TV series about Herc.
Video Games
A game for Nintendo DS.
Heracles gets a whipping from Kratos, Mr. God of War, in this video game.
Historical Documents
An ancient source of the tale of Heracles.
Another old-school source for all things Heracles.
Watch the trailer for the 1997 animated Disney movie.
Watch Hercules fight the Hydra in this clip from the Disney movie.
Marvel Comics gives the hero of heroes his very own series.


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Quick Specs
Total Downloads:30,078
Date Added:Jan. 24, 2006
File Size:7.84KB
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From M^3 Software: A GUI utility to convert text files from Unix format (LF) to DOS format (CRLF). It can also convert from DOS format to Unix format. It is very useful for reading text files that were created in Unix or Linux on a Windows based machine.
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- Copy files and folders from one location to another.Generate a PDF file and convert text printings.


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With Instructables you can share what you make with the world, and tap into an ever-growing community of creative experts.
The following is an instructable on how to create a busk or flat steels for a corset. What's special about this one, is that it creates a busk ...
You need the following: 3 feet of 1/2 inch wide 1/8 inch thick aluminum Swing box latches Rapid Rivets A rotary tool (for cutting the steels) A drill/drill ...
The first thing you need to do is figure out the length of your busk and the dimensions of the latches. I made the top of the first ...
Next, take a bench grinder, and grind off the burrs from drilling, and round off the tip of the busk. Then take them, and dip the edges in ...
Cut holes all the way through both sides of the busk for the rivets, and then slide in the busks. Place the latches and set the rivets. I ...
Corset for the Business Professionalby lw119
How to Make a Steampunk Corsetby lw119
Leather Lattice Corsetby SunnyMakesShoes
How to make an Underbust Corsetby Janel Norris
Corset drafting and sewingby Serinde
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Career Band Salary Increases & Adjustments
Reclassification is the assignment of an SHRA (Subject to the State Human Resources Act) position to a different career band. The new or revised job description is reviewed and compared to the previous duties and responsibilities, applicable Competency Profiles and Career Band Specifications, as well as established positions on campus. If needed, interviews with the supervisor and/or employee may be scheduled to gain a better understanding of organizational needs and the role of the position in helping to meet those needs.
- Reclassification to a Higher Career Band
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Reclassification to a Higher Career Band
A reclassification to a higher career band is the result of an assignment of the position/employee to a class with a higher market reference rate. Reclassifications to a higher career band are warranted based on relevant changes in a position that may be the result of organizational restructuring (e.g., the addition of a new program requiring additional support), redesign of the position, and/or additional competencies, knowledge, and skills gained by an employee that affect the classification level.
The employee's salary shall be increased at least to the minimum of the new pay range of the applicable career band. Salary increases above the minimum of the range may be awarded if supported by the application of the pay factors which includes consideration of the labor market pay rates, the employee's related training and experience, the applicable and demonstrated competencies, internal pay alignment, and current salary.
Reclassification to a Lower Career Band
Reclassification to a lower career band is represented by the reclassification of a position to a career band that has a lower market reference rate. The reclassification of a position to a lower career band may occur as a result of changes in the organization, or redesign of the position (e.g., when a skilled incumbent vacates a position and the department wishes to recruit at a lower level). When a position is assigned to a lower career band, the employee's salary may remain the same, if it is within the new career band's salary range. Any resulting salary reduction would be based on factors such as diminished job content, performance, and internal pay alignment within the work unit.
Effective Date
Salary adjustments may be given on the effective date of the related reclassification.
Human Resources Guiding Policy DisclaimerAdditional NC State Resources
- Career Band Specifications - Office of State Human Resources Class Specifications provide general guidelines of the duties, knowledge and skills, and minimum requirements for SHRA classifications
- Organizational Charts - Provides an explanation of what an organizational chart is, and the information that should be provided with this document


text:
Background and Methods:
Although studies have demonstrated that medical rehabilitation patients have many complications that warrant attention, none has attempted to categorize complications by severity. This retrospective cohort study examined the incidence, types, and severity of problems that interrupt rehabilitation and the major risk factors for these events.
Of 1075 patients, 359 (33.4%) had acute medical complications on rehabilitation considered severe enough to interrupt treatment. Of the 359 patients, 158 (44%) required an unexpected transfer off rehabilitation. The most common reasons for unexpected transfer were surgical causes (22.8%), followed by infection or fever (17.1%) and by thromboembolic events (16.5%). Logistic regression revealed that major risk factors for complications requiring transfer were a primary diagnosis of deconditioning or nontraumatic spinal cord injury (adjusted odds ratio, 2.7; confidence interval, 1.8 to 4.2), severity of initial disability (adjusted odds ratio, 1.2; confidence interval, 1.1 to 1.3 for every 10-point drop in a Modified Barthel Index), and number of comorbid conditions (adjusted odds ratio, 1.1; confidence interval, 1.0 to 1.2). Risk factors for any complication were similar, but there was an interaction between comorbidity and the degree of functional impairment; in patients who were severely functionally impaired, the number of comorbidities was not as strongly associated with the risk of complications as it was in patients who were less functionally impaired.
There is a complex relationship among the type of underlying medical impairment, severity of functional limitation, comorbidity, and unanticipated medical or surgical complications that interrupt rehabilitation. The interruptions vary both in type and in severity.(Arch Intern Med. 1994;154:2185-2190)
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- Report: #695610
Report - Rebuttal - Arbitrate
Complaint Review: innovative resorts international
innovative resorts international471 north broadway, suite 379 innovative resorts.com, New York United States of America
innovative resorts international took my money did nothing in return except lie scam and steal.Bob Richards is one of the culprits innovative resorts.com, New York
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This report was posted on Ripoff Report on 02/15/2011 10:50 AM and is a permanent record located here: http://www.ripoffreport.com/r/innovative-resorts-international/innovative-resortscom-New-York-11753/innovative-resorts-international-took-my-money-did-nothing-in-return-except-lie-scam-and-695610. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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Texas Scientist: Python Perplexing Maine City Actually An AnacondaA Texas scientist who ran tests on a large snake skin found in the Maine city of Westbrook says Tuesday the tests came back as "100 percent from anaconda."
Cowboy Fan Names Son After Emmitt Smith; Honored By RetweetWhen Jeff Pickerell saw Emmitt Smith's retweet he said he started jumping up and down in the hospital.
Dallas Cracks Down On Illegal Dumping SitesIllegal dumping sites are disappearing in Dallas as the city cracks down.
Mavs Owner Cuban Takes Shots At Trump; Advises HillaryMavs owner Mark Cuban pulled no punches as he went on a brutal twitter rant Thursday night slamming Donald Trump as he accepted the GOP's presidential nomination at the Republican National Convention.
Baton Rouge Suspect Was In Dallas Days After AmbushThe man identified as the suspect in Sunday's deadly attack on police in Baton Rouge stated in social media posts that he was in Dallas just days after the shootings there, and he urged his followers to "fight back."
Twitter Wants DPD Chief To Run For PresidentSome say on Twitter, Chief Brown appears to be the type of leader who would do well in Washington.
Police From Around U.S. React To Dallas ShootingLaw enforcement officials from around Texas, the United States and the world expressed sympathy and concern through social media for the Dallas Police Department, DART police officers and the city and people of Dallas.
Twitter Increases Video Duration To 140 SecondsTwitter is now letting users post videos that are up to 140 seconds long, an increase from its previous 30-second limit. The move is part of the social media company's efforts to attract a broader set of users.
Texas Lt. Gov. Dan Patrick Deletes Bible Tweet After ShootingTexas Lt. Gov. Dan Patrick has deleted a tweet quoting the New Testament that he posted after the deadly Orlando nightclub shooting.
Trump, Clinton In Twitter WarAfter comment by Trump, Clinton tweets, "Delete your account."
NFL Twitter Account Hacked, Announces Goodell DeathNo one is safe when it comes to having their social media accounts hacked, not even the world most recognizable billion-dollar brand - the National football League.
Nowitzki & Odor Pose For Silly Punch PictureA pair of North Texas sports legends were together for some friendly bro time on Thursday, as Mavericks forward Dirk Nowitzki and Rangers second baseman Rougned Odor posed for an amusing photograph.


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Welcome to The Badger Hounds in the pretty village of Hinderwell, North Yorkshire!
We invite you to visit our lovely pub and restaurant
and get to know our high-quality cuisine.
Our menu and seasonal promotions meet the highest demands for both classic dishes and innovative ideas. We offer a large variety of choice so that people of all ages will be satisfied when they dine at our restaurant. Have a look around our premises and find out more about our philosophy and opening times. You can check our professional service team, as well as our current offers and fair prices on our webpage. We look forward to hosting you at our restaurant. PLEASE TRY AND BOOK IN ADVANCE..
Hinderwell Post Office and Local Convenience Store is now located at The Badger Hounds. The shop opens from 8am till 8pm Monday to Sunday ~ Post Office opening times ~ Monday to Friday 9am till 6pm ~ Saturday and Sunday 10am till 1pm . We offer full Post Office and banking services as well as newspapers, fresh pies, sandwiches, bread, dry goods, veg, alcohol, cigarettes, lottery and more....
Please try and book in advance...
We get very busy at times and unfortunately we have to turn people away if they have not booked a table...
We also cater for parties please contact Andy on
01947 841774
We are a dog friendly pub, although dogs are not allowed in the restaurant ~ but you and your dog are more than welcome to dine or drink with us in the bar/lounge area of the pub. Please telephone us so that we can reserve a table for you and your best friend...
Call us on:
01947 841774
Or use our Contact form.
The Badger Hounds
The Badger Hounds
39 High Street
The Badgers Den Holiday Home is available to let....
Freshly served: once again, we offer you our specials menu with a wide variety of seasonal dishes.


text:
Dallas Thornton (Big D)
Position: Small Forward ▪ Shoots: Right
Height: 6-4 ▪ Weight: 190 lbs.
Born: September 1, 1946 in Louisville, Kentucky
High School: Male in Louisville, Kentucky
College: Kentucky Wesleyan College
Draft: Baltimore Bullets, 4th round (4th pick, 40th overall), 1968 NBA Draft
ABA Debut: October 26, 1968
Promote your website or business by sponsoring this page for $5 on Basketball-Reference.com. Your message will replace this ad.


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- Report: #321293
Report - Rebuttal - Arbitrate
Complaint Review: Ashley Furniture
Ashley Furniture4279 Lien Road Madison, Wisconsin U.S.A.
Ashley Furniture What reputiable company will not give you the owners name and address? Madison Wisconsin
*Consumer Comment: Person with similar problems
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I am not asking for the owners home phone or address. Simply their name, business phone and address where they can be contacted.
I would highly suggest not to do business with any business who will not release this information! I will in the future make it a point to ask this question.
After padding their pocket with thousands of dollars don't you think this information should be made available upon request or do you think that is asking to much? Would you consider any owner that will not publicy announce there ownership to be trustworthy?
Sun Prairie, Wisconsin
This report was posted on Ripoff Report on 03/26/2008 09:45 AM and is a permanent record located here: http://www.ripoffreport.com/r/Ashley-Furniture/Madison-Wisconsin-53704/Ashley-Furniture-What-reputiable-company-will-not-give-you-the-owners-name-and-address-Ma-321293. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Comment
Person with similar problems
AUTHOR: toxicarius - (United States of America)
SUBMITTED: Monday, August 16, 2010POSTED: Monday, August 16, 2010
I have had the same problems with Ashley furniture. The company is a corporate chain store so there is no owner the information you want from the manager is probably not even known by them. They have to give you the district managers name and phone number legally. I found a website (((Redacted))) this should help in contacting people but it probably wont help in fixing the problem. I have been fighting with Ashley Furniture for 4 years to get my couch fixed and they lied to us about almost everything. I have finally got one couch fixed and I need the other one fixed now. Good luck I hope I helped some.CLICK here to see why Rip-off Report, as a matter of policy, deleted either a phone number, link or e-mail address from this Report.
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Open AccessThis article is
Notes: Multiple requests from the same IP address are counted as one view.
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Molecules 2007, 12(1), 86-97; doi:10.3390/12010086
Inhibitory Effects of 5,6,7-Trihydroxyflavones on Tyrosinase
Division of Applied Bioscience, Graduate School of Agriculture, Hokkaido University, Kita-ku, Sapporo 060-8589, Japan
* Author to whom correspondence should be addressed.
Received: 8 December 2006 / Revised: 24 January 2007 / Accepted: 24 January 2007 / Published: 29 January 2007
(This article belongs to the Special Issue Phenolics and Polyphenolics)
View Full-Text | Download PDF [138 KB, uploaded 18 June 2014] | Browse Figures
AbstractBaicalein (1), 6-hydroxyapigenin (6), 6-hydroxygalangin (13) and 6-hydroxy-kaempferol (14), which are naturally occurring flavonoids from a set of 14 hydroxy-flavones tested, exhibited high inhibitory effects on tyrosinase with respect to L-DOPA,while each of the 5,6,7-trihydroxyflavones 1, 6, 13 or 14 acted as a cofactor tomonophenolase. Moreover, 6-hydroxykaempferol (14) showed the highest activity andwas a competitive inhibitor of tyrosinase compared to L-DOPA. 5,6,7-Trihydroxyflavones 1, 6, 13 or 14 showed also high antioxidant activities. Hence, weconclude that the 5,6,7-trihydroxy-flavones are useful as good depigmentation agentswith inhibitory effects in addition to their antioxidant properties.
Keywords: Tyrosinase inhibitor; flavonoids; 5; 6; 7-trihydroxyflavones; baicalein; melanin; depigmentation.
This is an open access article distributed under the Creative Commons Attribution License (CC BY 3.0).
Share & Cite This Article
MDPI and ACS Style
Gao, H.; Nishida, J.; Saito, S.; Kawabata, J. Inhibitory Effects of 5,6,7-Trihydroxyflavones on Tyrosinase. Molecules 2007, 12, 86-97.View more citation formats
AMA Style
Gao H, Nishida J, Saito S, Kawabata J. Inhibitory Effects of 5,6,7-Trihydroxyflavones on Tyrosinase. Molecules. 2007; 12(1):86-97.Chicago/Turabian Style
Gao, Hong; Nishida, Jun; Saito, Shizuka; Kawabata, Jun. 2007. "Inhibitory Effects of 5,6,7-Trihydroxyflavones on Tyrosinase." Molecules 12, no. 1: 86-97.
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Extraordinary! Seems buildings...
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Absolutely spectacular!
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This photo is stellar in every way, love the lone individual on the sidewalk...this image has feeling...
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It is Thyroid cancer so people are telling me it isn't that bad. I am going to have to have my thyroid taken out and than 3 rounds of chemo. They said with each round I will be given radioactive iodine and will be in isolation for 24 hours. If I chose to keep breastfeeding I will have to pump and dump for the next 2 months starting in 2 weeks.
I am relieved they finally found something I have been so tired and lightheaded for a while now and I get sick very easily. They said after the surgery I will feel like a new woman with lots of energy! I can't wait for it to be over:)
Now to decide if I should keep bf... I have a 4 month old and my 18 month old that both take breastmilk. I am thinking def weaning the 18 month... But not sure about the 4 month baby:(
Okay just getting that off my chest:) Thanks for listening!


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Search: CubaSearch profiles »
cutiecastro123Match % Unknown Join to find out!
in Cuban soil. The Soviets agreed to withdraw their weapons, while the Americans promised not to invade Cuba.I promised my people literacy and healthcare. I made it the finest in the world. Eventually I became pretty violent. I used my tactics to help the Cubans, to unite the Cubans. I deployed Cuba
minus1Match % Unknown Join to find out!
No hablo español muy bien, pero he visitado Cuba una vez, unas años despues, y he hablado con mucha gente en español sin muchas problemas. ... Long overdue update (2004): I went to Cuba .
kissthepenguinMatch % Unknown Join to find out!
i go to cuba 2 or 3 times a year because i support 5 families there. ... dancecubafamilybrainscheesemotivationcan i have 7 please- garlic.
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- Report: #236268
Report - Rebuttal - Arbitrate
Complaint Review: Monitronics International
Monitronics International2350 Valley View Lane, Sutie 100 Dallas, Texas U.S.A.
Monitronics International I've left my house but they will not quit monitoring my alarm! ripoff Dallas Texas
*Consumer Suggestion: Monitronics' Employess: Lamba to the Slaughter?
*Consumer Comment: Monotronics
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In October of 2006, I notified them of my move to Washington. They convinced me to have them continue to monitor my house in Washington, however, they never came out to install so in December of 2006 I once again asked them to cancel my service. Since then, they have continued to charge me $25 per month and refused to cancel my service. I have written 4 letters and made numerous phone calls, spoke with "supervisors" and never have actually made any progress. Today I got a collection call from them.
All I want is to cancel my service. They won't let me.
Issaquah, Washington
This report was posted on Ripoff Report on 02/17/2007 10:47 PM and is a permanent record located here: http://www.ripoffreport.com/r/Monitronics-International/Dallas-Texas-75234/Monitronics-International-Ive-left-my-house-but-they-will-not-quit-monitoring-my-alarm-r-236268. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.
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#1 Consumer Suggestion
Monitronics' Employess: Lamba to the Slaughter?
AUTHOR: Mightylt - (U.S.A.)
SUBMITTED: Monday, October 08, 2007POSTED: Monday, October 08, 2007
Sure, Monitronics has great contracts that are iron clad. Why is that? Because they've ripped off so many people they're able to afford a high-priced legal team. Yet this employee is willing to support them!?
I'm moving into a rental and can't use the service anymore. However, they still expect me to pay for it! Does that make sense to anyone? An employee will say, "it's in the contract." A customer service representative would say, "we understand, sir. Thank you for being a customer as long as you have. We hope you think of us when you purchase your next home."
Monitronics. Bad.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
#2 Consumer Comment
AUTHOR: Marty - (U.S.A.)
SUBMITTED: Wednesday, April 04, 2007POSTED: Wednesday, April 04, 2007
Also, they are a dealership program for alarm companies. This is just like McDonalds- they are franchised so to treat any service issues with local offices under one blanket is like blaming lousy service at a McDonalds on the entire company. You have to understand they are individual companies and beacuse of that they individual companies nee dto be complained about- not the main company whom is giving them simply the alarm monitoring- which is all that Monitroincs provides. As far as insurance and licensing yes companies are required to have it and not all counties require electricians or permits to put in alarms. If you own your home you are resposible to make decisions in YOUR best interest. You should check out anyone who does anything in your home and never contract anyone until you read the contract and check out the company doing the work in your home. We all want to complain and blame everyone else but we have to take responsibilty for our own lack of due diligence. I spent 3 months researching a company just to re-do my tile grout and am glad I did. If you want what you pay for look into what you are paying for and do your homework. In the end you only cause yourselve frustration and will get no where against a large company with a legal team.
I hope you as the editor will take the time to educate people and not just let them slander good companies without valid reason.
Are you an owner, employee or ex-employee with either negative or positive information about the company or individual, or can you provide "insider information" on this company?
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"The choice is as crystal clear as they come." ICYMI: The U.S. and #IN Chambers of Commerce have endorsed Todd Young for Senate! Learn more about Todd and sign up to volunteer at www.toddyoung.org! #INSen
Have you seen #TeamHolcomb's first TV ad? Click the link below to see how Eric has been called to serve.
Former Marine and American War hero Mark "Oz" Geist visited Indianapolis on Tuesday and shared with Hoosiers what really happened during the harrowing 13 hour Battle of Benghazi. Thank you, Oz, for sharing about your time in the battlefield and for your service to our country.
The Indiana Trump-Pence office is officially open! Thanks to Mike Pence, AG candidate Curtis Hill, and the entire Trump-Pence Indiana team for a great kick off.
Thank you to our next U.S. Senator, Todd Young, for stopping by the Indiana GOP Headquarters and chatting with Young Republicans at their LEAP Luncheon. Hoosiers deserve a senator that will fight on their behalf in Washington- it's time to send in a Marine. Learn more about Todd's campaign and sign up to volunteer at http://toddyoung.org!


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RT @felixtrench: @bedlamtheatre @bedlamites Hi guys, two old members in this -@VelvetBarnes and me. Any chance of spreading the word? https… 12:03 02/06/16
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Skip to comments.In battle of incumbents, Kucinich loses House seat in Ohio (Dennis The Menace Voted Out 0f Office!)
Posted on 03/06/2012 9:29:33 PM PST by VideoPaul
(CNN) - Rep. Dennis Kucinich of Ohio lost his bid for re-election in the state's Democratic primary Tuesday night to fellow longtime House Democrat Marcy Kaptur, CNN projects.
The two veteran lawmakers were drawn into the same district this cycle after a heated redistricting battle that followed the loss of two Congressional seats in the state.
(Excerpt) Read more at politicalticker.blogs.cnn.com ...
Does this mean that his pretty (insane) wife will leave him now?
Those of us who grew up in Cleveland in the 1970s and 1980s remember how badly he hurt our home town back then.
FINALLY he is out of office!
Are DUmmies on suicide watch??
I don't know. I'd prefer an admitted Marxist over one who pretends to be reasonable.
...but, but...he always left every place he worked so much better than he found it (extreme sarcasm). Oh well, there's always a gig at MSNBC in the future for him.
According to this website Kucinich is ahead of Kaptur
"Does this mean that his pretty (insane) wife will leave him now?"
Only if he runs out of $$$$$/s;)
I guess Boudicca will be looking for a real man now.
Can't say that I'll miss anything other than his crazy antics...like the recently announced 'excess profits' tax on major oil companies.
Dennis the Menace has been proffering the socialist pablum for far too long.
See ya, Dennis...
Problem with him losing is he was exploring the possibility of moving to my State of Washington and taking Norm Dicks place when he retires. Please don't send him here.
Thats not even close! darn
You know it. I left in 1975 and never wanted to return. My entire family (except one of six of my siblings) left, even my father finally moved to Colorado. A lot of brains, education, entrepreneurship, and taxable income went with us.
I've only lived in NE Ohio since 2009, and am thrilled this man is gone!
Good riddance Dennis!
I agree. With Kucinich you knew exactly what you were getting. With Obama it's all deception, on a massive scale.
Sorry - I was looking at only one county
Personally, I'm kind of going to miss the space cadet ... in a way
Not only that, but he was so goofy as to show them for what they are.
Frankly, I'd rather have an honest Marxist than a "liberal."
No worries.
Wasn't he our UFO czar?
I was just thinking hw should spend more time at home with his wife just goes to show love is blind.
Good. He's a PITA.
Kucinich should go 3rd party and run to Obama's Left in November.
Kucinich was considering running here in Seattle after he got re-districted out in Ohio. Guess he figured since we already got a anti-American Commie (McDermott) representing us, so he decided not to.
this frees him up to be Ron Pauls running mate...
She's the millionaire.
Unless he can keep breaking his teeth on sandwiches and suing the establishment,he is going to depend on wifey for his money.
Joe the Plumber is leading in his district!
Cool beans!
Obama got 666 thousand votes according to the official ohio website...just a coincidence I guess.
I imagine his wife will be exiting shortly.
Yeah, Kucinich was actually the lesser evil here.
No, but she'll be just a tad easier to look at.
Tom Hanks backs Kaptur. That alone worries me.
loveitor.. wrote:
Obama got 666 thousand votes according to the official ohio website...just a coincidence I guess.
Then again... Probably not!
I used to give props to Kucinich for being honest and forthright about his stances on issues... until he sold out his opposition to Obamacare for a ride in the "big boy seat" on Air Force One. That gleeful, "Look at me, Mommy" expression on his face as he followed Obama off that ramp had the unmistakable countenance of a closed deal.
Good riddance Marxist. You won`t be missed.
He is still thinking about running in WA. Funny thing is he could. Has to establish residency and file I think I heard by May. Seems inconceivable you could run in two different districts in same election but possible in this case.
They finally find someone worse than Kucinich?
I haven't checked yet. Just got up. Need the caffeine fix. BTW, I used to live in eastside of Cleveland. Euclid Park.
At least now he can devote his fool attention to running for President.
Great pics
Don't know whether to laugh or cry.
"Kucinich should go 3rd party and run to Obamas Left in November"
That would be sweet.
LOL. I didn't realize you were talking about Kaptur. I've got the Marxist-in-chief on my mind so much I can't think straight anymore!
The lady on the left looks like she has a nose full of nichols.
Must be rich.
"Joe the Plumber is leading in his district!
Cool beans!"
"She will face the winner of the Republican primary Samuel "Joe" Wurzelbacher, who became known as "Joe the Plumber" during the 2008 presidential campaign in November."
Read that on the net a min ago, I think it would be great to get Joe the Plumber, a real American story. A guy just sick of all the liberal shennanigans runs for office and wins.
Disclaimer: Opinions posted on Free Republic are those of the individual posters and do not necessarily represent the opinion of Free Republic or its management. All materials posted herein are protected by copyright law and the exemption for fair use of copyrighted works.


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Spectators at the BlizzCon 2015 Hearthstone stage on Friday witnessed something rare indeed: two world famous poker players dueling it out amidst the lights and faux tavern decorations. What's stopping that from happening again? Time.


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My blogrolls have become large. I'd like to make them collapsible to save sidebar space.
1 - Any existing code to do this? I assume I'd need some sort of javascript code.
2 - Any drawbacks to using javascript on my blog?
I searched first, I promise, but couldn't construct a "collapsible blogroll" search that provided what I was looking for.


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you are viewing a single comment's thread.
wow 43 years old...bout time you grew up then mate! Also if you just did a bit of research you would realise that WBA fans always come out top in test the nation quizes as the most intelligent football fans..but then we always knew that.P.S. Great performance against the mighty Stoke City last night!!!


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I.really feel awful about my prediction a few weeks back about an 18.50 -19.20 range until the LADEE launch scheduled for next Friday. I think I issued a caveat of me being usually wrong. Looking back ORB fell pretty hard right before the April 22 Antares launch as well, so it might be a trend worth watching.
The LADEE launch will be pretty interesting , in that the capsule will be put into an elliptical orbit around earth and over time the Moon's gravity will take hold of the capsule. At that point the engine will then thrust the vehicle into a lunar orbit. I thought a 21 day journey to the Moon was a bit long....Me thinks ORB is a buy around here
Sentiment: Buy
Don't beat yourself up for being wrong about a stock direction, it has happened to me too ;=) I agree that there is alot of angst around ORB launches, esp the COTS one. Also alot of hype going for Elon Musk (to his credit, IMO). LADEE sounds cool. I also worry about the $1B situation over the engines. On the other hand, I now get an email every time the space sta is going to fly over Cape Cod so I can go out and look at it. Way cool! Have a beer or two and ponder how amazing all the space stuff is that the US, and the rest of the world is doing. ORB stock will come back strong on good launches ...that is unless I buy in again. clam


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