text:
- Report: #315881
Report - Rebuttal - Arbitrate
Complaint Review: 1800company - Companies Incorporated | Ripoff Report Verified™ ..businesses you can trust. Commitment to customer satisfaction. document filing services100% satisfied or your money back no questions asked. The only known document filing services to offer to walk customers through their paperwork.
Companies Incorporated28015 Smyth Drive Santa Clarita, California U.S.A.
1800company - Companies Incorporated REVIEW: Customer Satisfaction Commitment: Companies Incorporated money back guarantee. Companies Incorporated recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. Santa Clarita, California
*UPDATE: Recognized by Ripoff Report Corporate Advocacy Program as a safe business service – feel safe, confident & secure when doing business with 1800company - Companies Incorporated Ripoff Report Verified™
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EDitor's UPDATE: Positive rating and recognition has been given to Companies Incorporated for its commitment to excellence in customer service.
Ripoff Report's discussions with 1800company / Companies Incorporated have uncovered a heartfelt commitment by the company to total client happiness and satisfaction. This means that clients can expect that the company will work towards finding a mutually satisfactory resolution to any complaints or concerns. Companies Incorporated listens carefully to client concerns and sees customer inquiries opportunities to learn how to serve the customer better and more efficiently as a company in the services it offers and in the support and follow-up for those services. Companies Incorporated 's principal, Mr. Kevin Wessell, has let us know how important that customer satisfaction is to him, his company and his employees. "At Companies Incorporated, there the main boss is the customer. Keeping the customer satisfied, first, is simply the right thing to do. Second, is the best way to keep customers coming back over and over again. Third, provides a multitude of word-of-mouth referrals. That is why we have been in business for so many years, even though a tough economy, putting the customer first."
Ripoff Report Verified™ .. part of Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business..
The information provided in this report is based on comments made by Kevin Wessell during an on-site inspection held by a third party verification company with no biases toward the 1800company and Companies Incorporated
The 1800 Company and Companies Incorporated works with clients to establish corporations, LLC's, and provide corporate record books. Their vision is to protect and grow the finances of their clients by acquiring leads of people that want to form Corporations or LLC's. Most of their clientele established through word of mouth. Kevin Wessell, Outside Consultant with the 1800 Company stated. "We are set a part because we offer good customer service and follow-up. After the customer receives their delivery, we schedule an appointment with them and walk them through their paper work. I do not know of any other company that follows that procedure. Our staff is dedicated to make sure they are comfortable and satisfied with the product they receive."
The client's process with the company starts when they initiate contact with the 1800 Company. The company listens carefully to the needs of the client and provides a list of services available for them along with alternatives tailored to their situation. Once a decision has been made about the services needed, the company sends the client their product and set up an appointment with the client. The appointment is used to walk the client through the paperwork to ensure they fully understand what they have purchased and feel comfortable. Mr. Wessell stated, "Our goal is to make sure they are clear with what they have purchased and benefit from the product."
The company stated that they have not received very many complaints recently. Kevin Wessell mentioned in the past complaints were stemming from people who wanted to use the corporate credit program to pay their bills. When complaints of this nature came up, the company explained to the client, "Our product and service was to help build a better credit score and did not guarantee they would receive a substantial amount of money. Now we explain that in greater detail to avoid any confusion." In dealing with customer complaints internally, a representative calls the client. If that does not remedy the issue a different representative calls the client to ensure the complaint is resolved. An example of this was when Kevin Wessell stated, "I spoke to a customer on the phone and listened carefully. We decided it would be in our best mutual interest to refund the money. They returned the product they purchase. The customer stated that they were happy with that solution." Mr. Wessell went on to say, "Our philosophy is that if you take care of your customer's needs and issues right away, about 80-90% of the time they will want to seek business with your company again."
Furthermore, the company mentioned that they always want to see the customer happy and make an effort to constantly get orders fulfilled as quickly as possible which leads to customer satisfaction. Mr. Wessell stated, "We make sure our employees put a whole-hearted effort into solving the customer's needs. To monitor this, we have regular meetings with the staff."
Since the company has had complaints through Ripoff Report, they mentioned they are letting employees go if they are not meeting or satisfying the needs of customers. They stated certain services and programs are being pulled from the company that is not beneficial to the customer. Additionally, the company is also focused on providing thorough explanations of products and services to ensure customers understand prior to their purchasing decision.
The 1800 Company thinks that is good to be a part of the Ripoff Report Corporate Advocacy Business Remediation and Customer Satisfaction Program because it shows that they are putting forth the effort to make sure the customer is satisfied. Mr. Wessell mentioned the example, "We had to let an employee go who was not putting forth the effort to satisfy our customer. He started false rumors about our company. Our customers would read what he said not knowing what our company was all about and it would influence their decisions. Getting on the right side of that was certainly helpful." The company stated that the key thing is taking care of people because it is the right thing to do. They mentioned that it also helps provide a good reputation with referrals and others in the industry.
Companies Incorporated / Statements from company executives.
"We would like to give our sincere thanks for taking time to review Companies Incorporated. Companies Incorporated provides corporation, LLC, trust and corporate record book services and endeavors to provide these services quickly and accurately. Contact Companies Incorporated and see why our personalized service makes us the best corporate service provider in the world. Then experience the advantages of our excellence in customer service. From a simple corporate record book to an entire asset protection plan, we invite you to call us today and see why Companies Incorporated customers voted us #1 corporate service provider worldwide.
One company executive stated, "Kevin Wessell is the most honest, loyal and caring individual I have ever worked for. His knowledge and expertise are unmatched in the industry. He reiterates his commitment to the customer and client satisfaction in every meeting that we have. He drills into our heads the importance of taking care of our most valuable resource...the customer." - Paul Hesse, employee
Another top executive of the company told us that Mr. Wessell's corporate mission statement is, "To protect and grow the finances of our clients." It is to this end that the company has striven for year after year of its thirty plus years of existence. Companies Incorporated likes to surprise the customer with extra value after the sale is made. They call customers after they have purchased its services and walk customers through their paperwork. Such a practice is nearly unheard of in the industry. It is this commitment to customer satisfaction that has lead to a top-rated reputation in the industry and thousands of customers that return year after year to renew and order more services. Ripoff Report has found over the course of its research into the company that Companies Incorporated (and Mr. Wessell) are truly committed to customer happiness and to fulfill orders in a fast and efficient manner. Typical customer feedback reads, "Dealing with your company was fast and easy. I can tell your employees are very knowledgeable and really did care about me as a customer."
Companies Incorporated's legal document preparation and filing team have expressed that they feel very confident doing their job. The head of the legal department stated "I have seen Mr. Wessell take personal interest in the fast and accurate document preparation and filing for the customer. With his Bachelor's degree emphasizing business, science and psychology and with significant legal training, Mr. Wessell also brings years of experience in asset protection and corporate services. I know that he has the best asset protection and corporate services skills in our industry. It always gives me great pleasure to go back to the customer a year after to whom we have provided our services and have them even more satisfied then when they ordered. I believe that this is because the service we provided has relieved them of a legal attack. We have many customers come back and order from us again and again and renew services from us year after year."
Companies Incorporated takes employee satisfaction seriously as well. Employee feedback and surveys reveal comments such as this: "Companies Incorporated provides a very positive environment in which to work. Opportunities for suggestions and improvements are encouraged. Mr. Wessell is truly concerned about our contribution to the company and providing constantly improving conditions for us. He takes the time to listen and communicate with employees and customers." Rip-off Report was pleased to learn that Companies Incorporated follows up with customers after the sale to make sure that they understand what they have purchased and to walk customers through their documents. This approach is nearly unheard of in the industry. It shows a total commitment to customer happiness and satisfaction.
Companies Incorporated has many CPAs and attorneys who order from them over and over again. These professionals know that they can count on Companies Incorporated as their resource for company document filing, asset protection from lawsuit and providing corporate record books so that businesspeople can keep the proper legal protection for their businesses. If these professionals rely on the organization for such important work, a business person can rest assured that the work is done as quickly, accurately and efficiently as is practicable. Trust the company that the CPAs and attorneys trust.
Companies Incorporated recognizes that complaints posted on Ripoff Report (whether true or not) are issues that need to be addressed, not ignored. If handled correctly, complaints can be valuable learning opportunities. With the feedback generated by Rip-off Report's Investigation Companies Incorporated has made organizational changes allowing its clients and employees a more streamlined approach to problem resolution and a commitment to a great client experience. One commitment is to offer to walk each customer through his or corporate paperwork after the company documentation has been delivered.
In summary, after our investigation, which included discussions with Mr. Wessell and many of his past and current associates, Rip-off Report is convinced that Companies Incorporated is committed to quality delivery of services resulting in total client satisfaction.
Read more about why consumers should feel confident when doing business with a member of Rip-off Report's Corporate Advocacy Business Remediation & Customer Satisfaction Program. Yes, it's a long name for a program that does a lot for both consumers and businesses alike.
Read about Ripoff Report Corporate Advocacy Business Remediation & Customer Satisfaction Program,.. A program that benefits the consumer, assures them of complete satisfaction and confidence when doing business with a member business. this program works.
As a matter of policy, when a business becomes a member of the Corporate Advocacy Program they agree to allow Ripoff Report to contact every client who filed a complaint so they can make things right with them. In order to confirm that the complaints were resolved, Ripoff Report is copied on all responses so we can insure that the member business did right by their customer ..
Companies Incorporated scammed, scammed, scammed by well oiled liars and con artists who don't give a crap about the client. Santa Clarita nationwideCOMPANIES INC sold me a company with a guaranteed real estate line of credit which does not work. It cost $19,604.00.
I purchased this company with a guaranteed line of credit of up to one million dollars for buying real estate.
The line of credit is supposed to be available regardless of credit score, and without collateral, other than the subject property and without any personal guarantees, as long as the purchase price is 65% of after repair value (ARV).
My business partner and I had a house appraised at $850,000 (it was appraised 3 times over a period of 9 months, with an ARV of $950,000-$975,000 and we requested loans several different times for three different amounts over the course of 10 months.
The first loan was for $600,000, 71% of LTV and 63% of ARV;
Second loan request for $550,000, 65% of LTV and 58% of ARV, and
Third loan request for $450,000, 53% of LTV and 47% of ARV.
They were unable to perform and finance the deal as guaranteed. So
For the $600,000 amount Kevin Wessell, owner of Companies Incorporated, asked me to use my house as collateral. SPECIFICALLY what I did not want to do, and what he told me I would never have to do, and why I bought this program.
Second Kevin requested I set up a trust to allow him to share 20% of the profits. Again the deal fell apart.
Third Kevin wanted someone with a good FICO score to be added to my company and to sign for the loan. Again, SPECIFICALLY what I did not want to do; and what he told me I would never have to do, and why I bought this program.
Kevin finally found a person (name omitted) who was added to my LLC to do the guarantee and still Kevin was unable to perform as promised.
The company I bought was for a specific purpose and they knew that purpose. After they were unable to perform they told us, Well not every deal goes through. Their website boasted a 100% performance so long as parameters are met. We went beyond meeting their parameters. They even gave us a letter of pre-approval for $1,000,000.
My partner and I waited and worked with them for the past year to allow them a chance to perform. I really wanted this to work. I stood to make $200,000 - $400,000 from this one deal. However, since they could not perform I requested a refund of my money. They refused. Their response is, Go out and find other properties.
In October of 2007 the credit card company granted a temporary refund of our money until Companies Inc responded. Companies Inc responded with libelous and slanderous remarks to the credit card company. It appears that Visa rules do not aid us due to time and we must seek other remedy avenues.
I printed out Companies Incs website from August of 2006, when we bought their scam - now they have changed their website as of January 2008. Their response to the credit card is that we altered Companies Incs website and printed it out to show their guarantees. We did not and do not have access to their back office to make such changes. Pretty bold lie.
Here are the immortal words of Matt, an employee of Companies Inc. when I informed him that I will request a charge back from the credit card company. He said, We are a huge company who makes a lot of money for these credit card companies because their clients use their cards for our services, you really think they are going to listen to a little nobody like you. Get real and move on with your life.
Companies Inc charges that we purchased four products from them and our dispute is over one of those products. Let me set the record straight. I informed Matt and Kevin that we are not interested in the LLC, the credit builder program or the real estate course, only the line of credit. They informed me that the credit line for real estate purchases only comes with the LLC, or company, the credit program is part of that already, and the real estate course is to learn how to structure the deal.
1. The LLC was delivered, but then a few months later they brought in a third person to be the president in order to attempt to secure the financing. Now it is no longer my LLC.
NOTE: I have been in the incorporating business for 11 years and do not need anyone to incorporate me. I bought the LLC for the credit alone. Matt and Kevin were advised of that fact on several occasions and about 20 times before and during the purchase.
2. The credit program. I talked to a guy, from Business Credit Services, a couple of times who collected my information and sent me a regurgitation of that information along with information on other companies having similar names and how I should protect my company name. I set up the company I told him about, it was not the LLC purchased from Companies Inc., and he sent me a100 page report on information I told him or am already aware of and they call this a credit building service? I do not need secretarial services.
3. The two day training course on how to structure a real estate offer. Again I informed them I have been involved with real estate for many years, but they insisted as this will show me how to do the proposal structure. Kevin and Rusty, the owner of Endeavor, the company which puts on the 2 day course, both assured me it was good as done. We can close this within 7-10 days assured me Kevin. The Real estate course was nothing more than a glorified sales pitch for Endeavors other courses which cost $2,000 plus.
4. The up to $1,000,000 line of credit for real estate purchases so long
as certain parameters are met. The parameters are:
a. Pictures and purchase contract
b. Appraisal
c. Comps, preferably a CMA from a Real Estate Agent
d. Plot map
e. Map of how to get to property
f. Letter requesting loan and stating that it is for business purposes
thus allowing them to charge higher interest rates than would be
allowed if the loan was for personal use.
g. List of repairs
h. Plan of action how do you plan on recovering the money.
We complied several times to try to help them finance us as guaranteed..
Mr. Wessell chose to concentrate on the first three services to claim that services were rendered. Conveniently forgetting to deal with the only reason we bought this LLC from Companies Inc. - the line of credit.
His response to the inability to deliver on the money is amazing. He lies about their guarantees on their site and charges us with fraud that we altered their website. Since he, along with his employees, view their clients as NOBODIES they figure they can continue the scam attack and feast on these NOBODIES. By the way they do not offer these programs anymore and have changed their website to attempt to refute all of our claims. They dont seem to realize that all past websites are secured and on record.
He also lies and claims that they do not loan based off of the ARV. At the 2 day course, Slide 106, entitled Getting Cash Back Rusty and Kevin demonstrate this scenario:
Property is worth $100,000;
you negotiate to purchase it for $80,000;
and the Seller carries $30,000,
then you only need to pay the seller $50,000
However, by using the structure they are teaching
you will borrow 70% of the $100,000
thus acquiring a loan for $70,000
you will pay seller $50,000
thus pocketing $20,000.
Mr. Wessell made an outright lie to the credit card company telling them that such deals do not take place; that loans are only based off of the purchase price. Yet Mr. Wessell is willing to refuse to perform and yet claim, Our goal is 100% customer satisfaction. on his website.
Another lie Mr. Wessell was quick to conjure was that I only submitted one deal to him. First of all their site, the 2 day course, and Companies Inc. do not condition financing on submitting multiple deals. This deal had a $200,000 - $400,000 profit spread.
I asked Kevin about 30 acres I wanted to purchase and develop at Canyon Lake, near a property I already own out there and he recommended I move forward with something which could generate money quickly and then move on to such a project. The Oak Estates Property had $200,000 - $400,000 but no deal.
I asked Mr. Wessell about a second property, located on Villa Ave, and he ran a comp and said it would not work. I moved on.
I asked about a package of 319 homes I had available to purchase and he passed me on to Casey, one of his people, for help, but then I could not reach anyone to give me direction or an answer as to what was happening. That deal was not completed.
321 homes submitted and no deals. I stood to make about $7 million dollars on the 319 homes package.
I complained to the Better Business Bureau and Kevin offered to pay $500 as a compromise to a program which cost us $19,604. Companies Inc responded and the BBB simply marked them as having resolved the issue. I complained again about the incorrect listing by the BBB and after 30 minutes of discussion they agreed to change it to unresolved.
I was scammed and will continue pursuing a resolution.
BEWARE. There are many scams and this happens to be very well disguised. Kevin is slick and very personable until you ask for a refund. He is not available for calls after you show dissatisfaction, even though you can hear him in the background telling the secretary to say he is out.
San Antonio, Texas
This report was posted on Ripoff Report on 03/07/2008 09:41 PM and is a permanent record located here: http://www.ripoffreport.com/r/Companies-Incorporated/Santa-Clarita-California-91355/Companies-Incorporated-scammed-scammed-scammed-by-well-oiled-liars-and-con-artists-who-d-315881. 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 UPDATE Employee
AUTHOR: Kwes - (U.S.A.)
SUBMITTED: Thursday, August 14, 2008POSTED: Thursday, August 14, 2008
Bottom line is - You've been caught
1. You got your loan. You just would not do what it took to follow through on it.
2. You are a competitor trying to slam your competition.
We saw your website, Louis and it proves you are a direct competitor trying to slam your competition.
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 Author of original report
GUARANTEED EXISTING LINE OF CREDIT is the issue
AUTHOR: Scammed - (U.S.A.)
SUBMITTED: Tuesday, July 01, 2008POSTED: Tuesday, July 01, 2008
As for the asking for 700K for a 425K deal. Interesting since it was the people you connected me with are the people who told me what and how to put the information in the package. In fact you and Rusty looked over the package in Los Angeles and exclaimed, "This is great. We can close this in a few days. We'll call XXXX from Arkansas he loves these deals." Besides the first submission asked for 600K and the second asked for 550K and the last submission asked for 450K. You failed to provide service at any level.
As for Kevin willing to sign on the deal. I agreed and again he failed to perform. Time was never an issue. The first payoff date we received was in November of 2006 and the last was to close in June 26, 2007. You mean to tell me that is not enough time for you to perform?
The LTV which Kevin and Matt reference are interesting. The Value per 3 separate appraisals was 850,000 and the loan requested was 600,000 a 70% LTV, the 550,000 loan requested was 65% LTV, the 450,000 loan requested was 53% LTV. Yet no deal. I followed the course to a tee. I was sent a sample copy and I duplicated it exactly; Kevin and Rusty reviewed the first draft and told me not to change a thing it was perfect; I used the numbers I was told to use, I submitted three times and not once did I receive a complaint from Kevin or Matt. Yet what is one of their contentions Louis did not follow the course. If I did it the way you told me how can you accuse me of not following the course? Did you ever read the course? It sounds like someone else wrote your course and you are clueless as to its contents? Do you have any clue what you are spouting or are you just sky hooking whatever whirls around in your mind? Is this making sense to anyone?
The truth of the matter is that their website offered a corporation with a "Guaranteed Existing line of credit for real estate use." Yet you guys deny that. I love this next accusation. Kevin told the credit card company that I went in and altered their website and that their website does not have such language. How stupid would you have to be to allow your website to be open for anyone to go in and alter it? Interesting since Matt sent me the link to it and I printed it out. Those reading this posting go to their website and notice that they do not offer these corporations any more. And the new language in there is all due to my complaints. If you were to read my email complaints to Kevin and Matt you would see where the changes came from on their website.
Kevin said that my refusal to put my house up as collateral is a deal breaker and it is my fault. I specifically asked and received assurances that no collateral would be needed and no personal guarantees and only the property would be used to support the loan. I bought a company which is supposed to have a Guaranteed Existing line of credit for real estate and I did not receive it. Wanting me to put up my house or get personal guarantees are a bait and switch.
You argue that your credit was on the line. How is that my fault if you were selling that risk via the Guaranteed Existing Line of credit. You did not selling me a corporation subject to a line of credit.
Kevin, conveniently claims he is not aware of my other deals. Interesting since he is the one who directed me to Casey and Sean, also employees in his company, to handle the deals for me. Your first impression does not mesh with sound business reasoning??? Buying 319 homes as a package for $2 million whereas comps on 61 of them was valued at $7 mill plus is not a sound business deal?
Let me educate you I told you I wanted to sell the first 61 homes, take the money and payoff the loan, and use the rest to refurbish the remaining properties and then rent them out. Was that difficult to compute? I told you the numbers and I emailed the property list to Casey. Do you bother looking into customers issues or just monitor these sites for scam alerts and you respond. I see you are busy responding to various issues. Your D&B incident is a bummer. D&Bs sole purpose is too look for fraud and they flag you and your clients and you whine about it. Hmmmm.
What is your idea of a sound business deal? Take money from clients, make guarantees, make promises, slander them and then not deliver? What a wonderful business model. You should be proud.
Matt, the ever diligent researcher, points out that my name is attached to a site claiming I have spent thousands on corporations and credit yet I do not have any and had to come to them. Matt knew that I have been incorporating people for years, especially since I ordered an offshore corporation for one of my clients from Companies Inc in August 2006; and I told Matt and Kevin that I am not interested in the LLC, the credit program or the real estate program since I have been doing these things for years. The reason I needed immediate access to money is because my companies were embezzled a few months earlier and the corporations and the credit were all compromised. I liquidated all my real estate holdings, my stocks and used my savings to repay every single partner or customer I had who was owed anything under our agreements and therefore the reason I was also cash poor as well as credit poor. I did the honorable thing and repaid unserviced contracts and did not scam my clients.
They both mention that they spent countless hours helping me. I spent countless hours hunting them down and they did not help me, they simply helped themselves. If you had performed as promised and agreed verbally and in your website, you would not have spent countless hours dealing with me and my deal would have been completed. I spent countless hours reworking my deal to suit your ever changing excuses of non-performance. When I have a guaranteed existing line of credit and you personally told me this would close in two weeks the deal should have closed. Amazing how people without a set line of credit are able to close real estate deals within 30-45 days. You had 8 months and that was not enough time for you. Kevin would like you to believe that he is a poor simpleton trying to make a living - yeah at the expense of scamming others. Is it any wonder that D&B flagged your company and that of 3000 of your clients? I did not pay you the money to be your phone or email buddy, I paid you to obtain a service and that ONE service was the Guaranteed EXISTING line of credit for real estate - not the LLC, not the secretarial service you call credit building and not the infomercial real estate presentation to sell 4-5 other programs costing several thousands each which I am sure you benefit from as well.
The reality here is that you took a successful business; hey you bought up another company for $10 mill so you have money, and you ventured into a realm of which you have no expertise. You relied on a credit company which cannot deliver, in fact if I amnot mistaken you own that company as well. I looked into them back in 2002 to possibly help my clients and it was one of my partners who pointed out to them that the company was in default at the time. The main person we dealt with there was an ex-employee of another famously fraudulent incorporating and credit company tied up in several lawsuits in California. Their information was obviously scam level and we passed. It wasn't until your scam that we went back and checked and realized that the VP of that company was an officer of Incorporating Inc. Back then the business was an LLC and now it is INC.
Whoever wrote your wording for the 2006 website did not do a good job; and whomever you relied upon for the credit to offer Guaranteed Existing line of credit did not perform. You should have been a man of integrity and simply said, You know what, I failed to perform and here you go here is your money back?
How noble of Kevin and Matt not to want anyone to think badly of me. If anyone thinks badly of me because I am pointing out an injustice then by all means proceed.
"All that is necessary for evil to triumph is for good men to do nothing."
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?
#3 UPDATE Employee
Reply to Louis Monsour, a.k.a. Elias Houayek
AUTHOR: Kwes - (U.S.A.)
SUBMITTED: Thursday, March 20, 2008POSTED: Thursday, March 20, 2008
Dear Louis Monsour, a.k.a. Elias Houayek,
I respectully say, your comments and accusations are truly unfounded. Particularly the remarks you made in response to the credit card companies. That function of the business in how things are charge and how disputes are handled between card holders and companies is out of my scope of duties here at Companies Inc.
If you feel you have to lie and make false accusations about me, then I guess you truly are a person that will say anything even slanderous and with contempt.
You were provided a company and the program. You had made many calls to me and the staff at Companies Inc. in regards to how this works prior to the sale and many more after. You were provided the training and tools to be successful.
In the conversations we had it was clear that you did not use the training DVDs or even completely watch them or even try to work within the parameters of the program.
When you yourself fracture the system and tried to work around the guidelines then being successful will not be forthcoming. Much like driving down a 2 lane road and not staying between the lines it may and mostly likely will be disastrous.
Your comments about ARV (After Repair Value) are also false as we had discussed so many times it is the LTV (Loan to Value) or LTP (Loan to Purchase) that lenders use to determine loan safety. Yes you had brought deals in that you felt met the criteria of the program however in the many conversations we had you should have known that they were not in the proper alignment needed to make the transactions.
We have spent countless hours trying to assist and have you understand the program but you refused to follow the very clear and concise outlines required.
When you started calling with interest in the company you said your personal credit was shot to some things I will not discuss here and you needed a company and credit lines to do real estate investing.
I found a website with your name and information all over it saying you took 10 years and $700,000.00 invested in helping people repair and build corporate credit. I find this hard to believe because you had come to us in need of corporate credit and by your own admission your own personal credit was in shambles.
Now you come on this site and post that we made promises and could not fulfill, however you did not follow the course, instructions, many hours of guidance or even the least bit of common sense.
None of my comments, herein are intended to effect the opinion others may have of you, Louis. And no one reading this should necessarily form a different opinion you. It is simply responding to your post honestly, to the best of my knowledge and, from my perspective. I speak with full confidence because have personal, first-hand knowledge that there are comments you made that are blatantly unfounded.
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?
#4 REBUTTAL Owner of company
Louis - Reply to Louis of San Antonio, Texas
AUTHOR: Kwes - (U.S.A.)
SUBMITTED: Sunday, March 09, 2008POSTED: Sunday, March 09, 2008
Though we care about our clients, we must respectfully say, your posting has numerous false statements and half-stories. First and foremost, you are not a customer of our company. You have not paid our company for the service you mentioned. It was paid for by a Zeyna Faris.
Moreover, you wanted to buy a house for $425,000 but what you failed to mention is you wanted to borrow $700,000 to cover the fix-up costs. That is a loan-to-purchase ratio of 165%. Lenders typically lend based on on the lower of the purchase price or appraised value. No reasonable person would think that loan is within reasonable lender safety parameters. If the lender had to foreclose they could lose over $300,000 with loan losses, legal fees and sales costs.
Moreover, when we talked to two local lenders in your area, we were specifically told that the appraiser you used is well known for appraising houses at a higher level than other appraisers in the area. The comparable sales data uncovered by local lenders showed a much lower value than your appraiser claimed.
We are NOT lenders. We can, however, assist clients in obtaining loans and have assisted our clients in obtaining several million dollars in financing. However, no lender wanted to finance YOUR property because you requested a loan they felt was UNSAFE.
In your case, our client database has over 139 contact notes from calls to or from you and our staff. So, we bent over backwards to communicate with you. Moreover, I both personally offered to risk my own credit to assist you to fund your transaction and later we found you an additional co-signer. However, you did not get your financing for these big reasons:
1. You wanted to borrow much more than the purchase price and no lender wished to do so in the weak Texas market.
2. You asked for our help only days before the foreclosure deadline.
3. You had two additional chances on the same property, however, again, you waited until the last minute and you put your application through only days before the foreclosure deadlines each time.
Moreover, as you admitted in your posting, we had a lender who said he would finance the property if you would offer more collateral. He said if you offered your home as collateral he would finance the property. You refused. I did not ask you to put your house up as collateral. The lender did. We did not tell you that you would never have to so this. So, we risked our personal credit to help you, but you refused to help yourself by offering extra collateral. In other words, you wanted us to risk our credit but you refused to take any risks yourself.
This is roughly equivalent to a man standing on the street crying and starving to death. We put food in his hand. But he still cries because he does not want to put for the effort to list his own hand to his own mouth. You had to opportunity but you refused to do what it took to help yourself.
It's easy to hide behind this website pointing fingers and calling everyone liars and scammers. However, when the whole truth is told it sheds a whole new light on the situation, doesn't it Louis?
Louis, it is not true that the LLC is no longer yours. The lender requested a that a stronger borrower become a manager of your company along with you in order to help you secure financing. You and/or Zeyna Faris can retain 100% interest and voting rights in the LLC and and can remove the manager any time you wish.
If you would have followed the training course that we paid for and sent to you then you would have structured the offer correctly or moved on to ones that would fit into safe loan parameters.
With regard to your additional properties you claim to have proposed, buying 30 acres and adding more inventory to the highest foreclosure market in US history is simply not a sound business decision. Buying 319 homes would also be far outside of the realm of your experience. So, though I am not fully aware of those proposals, my first impression does not seem to mesh with sound business reasoning.
It is shocking to me that you say I refused to get on the phone with you to resolve your issues and that I would whisper to the receptionist to tell you that I was not in. It is simply not true and you know it as well as I. First of all, the receptionist is far from my office and behind two closed doors. Moreover, according to our database, I personally spoke with you 29 times after the purchase was made.
So, though it is not our position to question the integrity of our clients, we will let the facts speak for themselves. Call our office and let's talk and see how we can help resolve your concerns, Louis.
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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Forum indexCanon Rebel (EOS 300D-760D) TalkChange forum
canon EOS 450D vs 550D
Started Apr 10, 2011 | Discussions thread
Shop cameras & lenses ▾
akihito • New Member • Posts: 1
canon EOS 450D vs 550D
Apr 10, 2011
hello ^^
I have decided to buy a camera but i cant shoose between the 450D or 550D
I don't really need to be able to film but it is a nice extra.
I have been comparing the 2 but i can't really come up with a conclusion.
and yes im a newbie so sorry for asking this i hope every1 can give their opinion about the 2 cameras.
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text: I have a static homepage where i want to show the excerpts from a category. I am using php the_content('more_link_text', strip_teaser, 'more_file'); to do that. The problem is that a more link doesn't show up while the post is indeed cut where is supposed to be (where i inserted the <!--more--> tag in the post's content). Images in the posts above <!--more--> don't shop up either. In the category template I'm using the same code - without the query of course - and all works fine. I am sure that I'm missing something here. Please help.


text:
OXFORD, Miss. (AP) -- Mississippi receiver Donte Moncrief says quarterback Bo Wallace's surgically repaired arm looks better than ever.
Moncrief says he saw "an arm that's gotten stronger" on Friday morning during Wallace's first team workout since he had surgery to repair his throwing shoulder in January. The 6-foot-4, 204-pound junior's health is vitally important to the Rebels' hopes of improving on last year's 7-6 record.
Second-year coach Hugh Freeze says Wallace went through Friday's closed practice with no problems, though his total throws were limited as he works back into shape.
Wallace said he had some soreness in his biceps, but the surgically-repaired areas felt good. He threw for 2,994 yards, 22 touchdowns and 17 interceptions last season.
Ole Miss returns eight offensive starters and all 11 defensive starters.


text:
- Report: #1041330
Report - Rebuttal - Arbitrate
Complaint Review: Alan VanderMolen
Alan VanderMolenInternet United States of America
Alan VanderMolen Pathological liar. Period. PR flak and poor excuse for one. His employer, Edelman, issues an annual "Trust Barometer" but fails to apply it themselves. Do NOT trust Edelman, VanderMolen, Internet
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This report was posted on Ripoff Report on 04/06/2013 09:51 PM and is a permanent record located here: http://www.ripoffreport.com/r/Alan-VanderMolen/internet/Alan-VanderMolen-Pathological-liar-Period-PR-flak-and-poor-excuse-for-one-His-employer-1041330. 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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Below is a selection of search results matching: Chinese Massage Burwood
Jack Zheng's Clinic of Chinese Medicine & Acupuncture
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If you're looking for a natural way to treat your physical aches & pains, then a professional Massage, Acupuncture, Cupping or...
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Peter Bi
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Servicing Burwood
Study the science of rest and rejuvenation when and where you want with AIAS


text:
- News tagged "windows"
Monday, 2 Dec 2013
Goodbye Windows RT, It Looks Like Your Days Are Numbered
Julie Larson-Green, executive VP of Devices and Studios at Microsoft, has said that Microsoft now has three mobile operating systems and "we're not going to have three." Somehow we don't think they're going to kill Windows Phone and Windows, so it's going to be you, RT.
Friday, 8 Nov 2013
Windows Vista, Lync & Previous Versions of Office Seeing Targeted Attacks (Updated)
Microsoft says it's aware of targeted attacks mainly in the Middle East and South Asia, which affect customers using Microsoft Windows Vista, Windows Server 2008, Microsoft Office 2003-2010, and all supported versions of Microsoft Lync. While a security update is in the works, concerned users can apply a Microsoft Fix it solution now.
Thursday, 7 Nov 2013
Microsoft Whittles Down List of Potential CEOs
According to reports, Microsoft has shortened its list of potential new CEOs from about 40 to just 8 - five of whom are outside of Microsoft and three from within.
Wednesday, 2 Oct 2013
Three Top Microsoft Shareholders Suggest Bill Gates to Step Down
After Steve Ballmer's departure from Microsoft, a few top shareholders at Microsoft are suggesting that Bill Gates too should step down and reduce his presence on the board.
Friday, 27 Sep 2013
Microsoft Working on Unified App Store
It has been revealed recently that Microsoft is working on unifying its Windows Phone Store and Windows Store into a single store that caters to all devices. The updated store is also said to debut when Windows Phone 8.1 and a special Windows 8.1 update are ready for launch in the second quarter of 2014.
Monday, 16 Sep 2013
Evernote Ups User Experience for Windows and Chrome
Evernote has presented a whole line of updates, including the new and improved Evernote 5 for Windows Desktop and Evernote Webclipper 6 for Chrome.
Monday, 2 Sep 2013
Parallels Desktop 9 for Mac Available Now for Upgraders, Goes on Sale September 5th
Parallels has officially launched their newest desktop virtualization software for Mac, Parallels Desktop 9 for Mac, which promises many new features and numerous enhancements and will be fully compatible with the upcoming OS X Mavericks.
Wednesday, 14 Aug 2013
Hackers Expected to Unleash Viruses on Windows XP in 2014
There are reports that hackers have been stocking up on Windows XP exploits, and are planning to release them the moment Microsoft ceases support for the aging operating system.
Friday, 12 Jul 2013
Steve Ballmer Announces 'One Microsoft' Company-wide Reorganization
In an internal memo, Microsoft CEO, Steve Ballmer, explains his plans for a "One Microsoft" by massively altering the company's organization and creating a number of new divisions. The biggest change is the creation of a new operating systems engineering group that will span across console, mobile device, and PC.
Wednesday, 5 Jun 2013
AMD Drops Exclusive Windows OS Support; Ready for Android and Chrome OS
It seems like AMD will be supporting Google's Android and Chrome platforms, instead of exclusively sticking to Windows OS, as the company aims to be more outstanding on the market of tablets, low-cost PCs, and smartphones.


text:
Ready to watch this entire course?
Become a member and get unlimited access to the entire skills library of over 4,900 courses, including more Photography and personalized recommendations.Start Your Free Trial Now
- Overview
- Transcript
- View Offline
- Reducing luminance and color noise
- Improving details in portraits and landscapes
- Selective sharpening with the Adjustment Brush
- Sharpening with filters
- Creating sharpening presets
- Using blending modes to avoid color problems when sharpening
- Smart filtering and masking
- Edge sharpening
- Batch sharpening
Skill Level Intermediate
In this movie, I want to connect the dots or put the pieces together, so to speak. Here, I want to look an essential overview workflow of how we can sharpen and improve a photograph, beginning with working with one of our RAW tools in order to apply input sharpening, and then we'll bring the image over to Photoshop in order to finish it off. Here we'll be working with this photograph here, it's titled Kara.CR2. This is a raw file. It's an original file there haven't been any adjustments made to it yet.
Now we can work in this first step with Lightroom or Adobe Camera Raw. In order to keep things simple, I'll use Bridge and Camera Raw. So here I'll select the photograph and then navigate to the file pulldown menu and choose Open in Camera Raw. Again, File > Open in Camera Raw, or if you use Lightroom, import this image into Lightroom and you can perform the similar steps there. All right, well, often we'll begin here in the Basic panel. Yet, with this photograph there isn't a lot of work that needs to be done.
I think the exposure, the contrast, the detail, for the most part I think it looks pretty good. Yet just for the sake of argument, let's make a few adjustments. Here we might brighten up the exposure a little bit and add a touch of contrast. Maybe we'll darken some of those highlights, and then make a few other adjustments as well. We'll increase the clarity just a little bit there. And I'm going to decrease the saturation. All right, well after we've done our work here in the Basic panel, the next step is the Details panel.
We can access those by clicking on the Details tab. Here I'll work with our Sharpening and our Noise Reduction controls. Yet we have a warning indicator, or reminder down here, that says, hey, remember you have to zoom into 100%. Let's do that. We'll click on the pulldown menu here, and I'm going to choose 100%. Then press the space bar key and click and drag, to pan back up to the area of the face, because that's a really important part of this photograph.
And then let's analyze or evaluate what we have. I see a bit of luminance noise here in my shadow area, and in the skin tone. Let's target that first. We'll go to our Noise Reduction controls and bring up the Luminance Noise Reduction amount. Drop those details down. You don't need to bring out more detail, we want less. And we need to bring up Luminance Contrast, as well. All right, Color noise looks pretty good in this image. Then what about Sharpening? The image is a little bit soft, so we're going to need to boost this up.
Keep in mind what we're doing here is foundational input sharpening. We're not going to go overboard. Rather, we're just trying to shift, or to bring the image to a better place. We'll start off by bringing up the amount. As I do that, I see that some of the little details are getting exaggerated, so I'm going to drop my detail slider back down. I want to protect those, especially in pictures of people. We'll bring the sharpening amount up, and we'll also increase the masking value here, which will make sure that we aren't applying the sharpening to the bigger smoother areas of the picture, like the background or some of the areas of the skin.
You can hold down the Option key on a Mac, Alt on Windows, and drag that slider to view the mask. This gives us this black and white perspective where the white contents will have a little bit of sharpening applied. The black areas won't be affected. Again this isn't rocket science here, it isn't that significant. Yet it's really important. And what I mean by isn't that significant, the before and after isn't going to be hugely different. Here's the before. That's okay. Then here's the after. The image looks a little bit cleaner. We're just cleaning up.
We're setting the foundation, we're setting the stage. All right, well, after we've done our work in Lightroom or Camera Raw, next we need to go to Photoshop. In Camera Raw to do that, simply click on the Open Image button and that will then send this file over to Photoshop with all of those Camera Raw settings applied. In Lightroom you can choose Edit in Photoshop and that will open up your photograph in the same way. All right, well now that we're here, what we need to do is we need to think about the final destination for this image. What is the final output size? Well the client in this case is going to reproduce or print this image at a size which is approximately five by seven.
So let's re-size the image before we apply any sharpening. To do that, we'll navigate to the Image pulldown menu. Next we chose Image Size, that's Image and Image Size. This will open up the Image Size dialog. Again, we want to evaluate the photograph and take a look at the detail we have here at 100%, and then go to our controls. Over here, with the controls, I can change this between pixels and inches.
I'm going to go for inches, because I know the client wants approximately five by seven. This gives us five by seven and a half, that will be perfect. After we've dialed those settings in, the actual dimensions and the resolution, we'll use the re-sample method of automatic, because that typically works best in almost all situations. Here, click OK to apply those re-size settings. Now we need to zoom into the image and evaluate. Double-click the Zoom tool, that will take the photograph to 100%.
And let's take a look at what we have. When I look at the image now, I like the detail that I'm seeing. It looks sharp, but it does look like it needs a little boost. And one of the things that the client has told me is that they really want to bring out some of the texture here in the dress. So let's perform some advanced sharpening, using Smart Sharpen, in order to improve this photograph. And let's do that in the next movie. Leave this image open and then we'll work on the second step, the Smart Sharpen step, in the next movie.


text:
- Report: #926597
Report - Rebuttal - Arbitrate
Complaint Review: SUBCO
SUBCOphone 1-800-344-0017 Internet United States of America
SUBCO The Magazine Store NEVER Talked to any represenative from Eison Publishing or Subco,Never authorized any withdrawls!!!! unsure, Internet
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This report was posted on Ripoff Report on 08/13/2012 01:06 PM and is a permanent record located here: http://www.ripoffreport.com/r/SUBCO/internet/SUBCO-The-Magazine-Store-NEVER-Talked-to-any-represenative-from-Eison-Publishing-or-Subco-926597. 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.
Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report.
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- Only search one name at a time if Company has many AKA's.
Advertisers above have met our
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text:
NBC's Chuck Todd: One must understand who owns guns and where they live
**Written by Doug Powers
The intrepid Fourth Estate remains hard at work trying to root out people who were brazen enough to obey the law.
A Tweet from NBC's Chuck Todd:
Oh, they know, Chuck… they know:
Thanks to the Journal-News' handy map, there are now more illegal guns on the street. Apparently Chuck Todd supports this type of "journalism," which can be added to the pile of exercises in counterproductivity that will do nothing except to ensure that criminals know where the guns are (and aren't for that matter), and cause otherwise honest people to avoid registering their guns in the first place.
Coming up next on NBC Nightly News: Chuck Todd busts drivers who obey traffic laws.
In a related story, this is "you have to pass it to find out what's in it," New York gun law style:
A troubling oversight has been found within New York State's sweeping new gun laws.
The ban on having high-capacity magazines, as it's written, would also include law enforcement officers.
Magazines with more than seven rounds will be illegal under the new law when that part takes effect in March. As the statute is currently written, it does not exempt law enforcement officers.
Nearly every law enforcement agency in the state carries hand guns that have a 15 round capacity.
**Written by Doug Powers
Twitter @ThePowersThatBe
Anti-wall Mark Zuckerberg building a yuge 'bridge' around his Hawaii house
June 30, 2016 07:34 AM by Doug Powers
Brexit vote open thread (Bonus: former US presidential candidate spots end of British empire); Update: David Cameron will step down
June 23, 2016 10:24 PM by Doug Powers
New York Times editorial board falls on grenade of reality to save lib narrative
June 15, 2016 09:01 PM by Doug Powers
Just imagine this New York Times headline if the Orlando terrorist had been a Christian Republican
June 13, 2016 09:42 PM by Doug Powers
Reporters covering Hillary's campaign pivot to the general by asking her if being so awesome is a burden
June 6, 2016 09:44 PM by Doug Powers
Categories: 2016 Campaign, Corruption, Feature Story, Hillary Clinton, Media, Media Bias


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Read: Skin Rules: Trade Secrets from a Top New York Dermatologist
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We know that you have lots of favorite memories with baby. Upload a photo to the Love Every Moment Photo Group and you'll be entered into a contest to win a prize pack from Playtex. Prize includes a Playtex® Diaper Genie II Elite® Advanced Disposal System, Playtex® Drop-Ins® Premium Nurser Gift Set and a $100 gift card to Babies R' Us (approximate total retail value of $165). This contest will end on January 7, 2011.
Make sure to join the Love Every Moment Group so you'll be notified if you're the winner and for more opportunites for prizes and fun!


text: An airplane with a speed of 97.5 m/s is climbing upward at an angle of 50.0° with respect to the horizontal. When the plane�s altitude is 732 m, the pilot releases a package. (a) Calculate the distance along the ground, measured from a point directly beneath the point of release, to where the package hits the earth. (b) Relative to the ground, determine the angle of the velocity vector of the package just before impact.


text:
Hey Matt,
Adding images into the accordion content is pretty standard, I wanted to ask if replacing the text in the title of the pane can be achieved?
I am trying o place 1/3 of an image in the "pane" and hide the other 2/3 of the image until clicking on the pane image.
Is this possible?


text:
4 thoughts on "The Joy of Imagination"
I love this post. And not just because of the honour you've given me, because it resounds with such astonishing veracity. Well, all except the Santa Claus part! I still believe. I still make snow angels. I still slide down bannisters. I sing and dance everywhre I go. I choose to live in joy and beleive in joy and wonder.
Even in those times of adversity, I think a part of me never left neverland… and when I found my way back to that part… wow! What magic ensues.
There is magic in ever moment when we open our eyes to it through our child's eyes… life is such a wondrous gift to be lived out loud in joy and laughter.
God bless you Slam… (there I said it!) You're a beautiful soul that touches so many lives and reminds people what truly matters.
Lot of love to you. xox
P.S. I've been struggling with finishing a post and yours has given me the fuel I needed. Thank you.
Pingback: All of Me | Let Me Move You


text:
I tried to put lists in my front page template. When I accidentally used a placeholder in the template that wasn't yet assigned to a plugin list, it created a WordPress database error. The message was something like "Cannot communicate with database."
When I removed that bad placeholder from the template, the site loaded fine. Except now, no changes that I make are updating on the website. It seems like the WordPress software is not communicating with the database.
I have completely removed the plugin, but there is still a list showing on my homepage (at the bottom, on the right). What did this plugin do to my database? Please help!
UPDATE: I have no idea how, but the list finally disappeared. Sorry for the alarm.


text:
Do they automatically test you for HIV/AIDS when they draw blood during prenatal visits? I usually get tested every year, but i never thought to ask my doctor if they do testing already or if i need to ask for one..
I'm in Ohio and they asked whether or not I wanted to test for it along with some other genetic diseases.
Adam (1/21/12)
(o)(o) Silver Boobies with Gold Nipples- EPer!
I work in the HIV/AIDS field and those that posted that it depends on your state are correct. I think the original poster's question was already answered, but I did want to post this for any other readers that are interested.
Some states still do not require testing, some do "opt-out" testing (when they tell you they are going to do a test, but you can still opt out), and some states have to ask you and have you sign a consent form. It is different everywhere. So if you would like to be sure that you are tested (everyone should IMO...if you find out early enough, mother to child transmission is preventable) and you don't know if you have been tested already or not, be sure to call your office or ask at your next appt.
DH 40, ME 34, DSD 6, DS 2, baby due 1/12 (and late!!!)
I had to sign documents authorizing the test, but as far as I know that's standard procedure.
Married to DH 6.22.09, DD(10), DS (8), DS(4)
Maliya Grace born 12/29/11 !!
yes they do, and a million other STD's apparently. I wish I had known I would have saved money by telling them that I didn't need it. Cue the $700 bill I just received
Married to my highschool sweetheart 7/707
Avery Michael born 12/29/11 4:26 pm 6 lbs 6 oz
(. )(. ) Golden boobies and going....
i never had to give consent. but yes they usually test for this during the first round of blood work.
they have to test you for everything because it can affect the baby... if you are positive you cnt birth a baby vaginally cause you risk spreading it.. My doc dnt even ask if its okay cause by law they have to test to protect the baby... that is in my state anyway... and now days the test twice my ob/gyn said... its best for the baby to consent..
~If you ask God for something, be open to how he gives it to you!~
They asked me and I opted out. I didn't sign anything to opt out, I would have had to sign a consent form to do it. I also opted out of STD testing. My reason: I have only had one partner in my life, my DH has only had one partner in his life, and we've been married for 7 years.
Learn more
Look how far your child has come.
Review your child's growth milestones.
Read about 4 years 6 months : Week 2.
Your growing child
Your 4 1/2-year-old: Dealing with a lisp
Your 4 1/2-year-old: Playdate refereeing
Your 4 1/2-year-old: Building math skills
Your 4 1/2-year-old: Get fit together
Your 4 1/2-year-old: Tall tales
Learn more
What's next for your growing child?
Get a glimpse of what's to come.
Read about 4 years 8 months.


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Saints dominated rugby league's famous knockout competition from the outset of Super League, winning it seven times in the first 13 years, but they have endured a lean spell in recent times. Their last Wembley triumph was in 2008 and last year's quarter-final defeat by Wigan ended a run of 11 consecutive appearances in the last four.
Drawn away to Super League rivals Hull KR in Saturday's televised fourth-round tie, St Helens are in serious danger of suffering their first opening-round defeat since losing to Wigan after a replay in 1995. And Howarth said: "It's a massive game."
Decimated by injury, Nathan Brown's men enter the cup in indifferent league form, with three defeats in their last four matches, including a 22-14 loss to KR at Craven Park less than a fortnight ago.
Howarth, who has played in each of the last four games after joining Saints on loan from Salford, says the players' immediate focus is to produce a response after last Friday's 22-12 home defeat by Catalan Dragons.
"The lads were disappointed with what we tossed up at the weekend," he added.
"We're a good team and it was a winnable game.
"We all put our hands up and said it wasn't good enough. I'm sure we will turn it around on Saturday.
"When it got drawn out of the hat, a lot of the lads were rubbing their hands together.
"We want to go back and not let them do that to us again. If we play like we can, we'll win."
- Sports & Recreation


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Official Home of the
Department of Church Growth
& Development for the A. M. E. Zion Church
Congratulations to The Rev. Dr. Otis McMillan and the other newly elected General Officers.
Book "Money Really Matters"
Reverend Dr. Otis Thomas McMillan is truly a gift to the body of Christ. His ability to take the time-tested truths from the Word of God and arrange them in a framework for practical application affords God's people the opportunity to experience abundant living as envisioned by the Lord Jesus Christ.
In his latest book, Money Really Matters, he outlines the principles that serve as the gateway to the enduring financial freedom that God desires for His people. In a season when multitudes of sincere Christians continue to experience serious financial struggles, this compelling, informative book is definitely an ABSOLUTE MUST READ.
Bishop Reginald S. Hinton, Sr.
Presiding Prelate, The Original Cape Fear and Southwestern Free Will Baptist Annual Conference
2014 Quadrennial Congress Recording are available!
Set of 12 DVDs – $60.00 or Set of 12 CDs – $30.00
The AME 26th Evangelism Seminar, hosted at the Hilton Memphis Hotel, Memphis TN. Dr. McMillan was the featured presenter. Three Plenary sessions and one workshop on the book, RETHINK CHURCH. (300 Participants). The event was sponsored by the AME Department of Church Growth, Director Dr. James Wade.
In remembrance of our Leadership
Bishop Roy Holmes (Decreased)
Dr. Otis T. McMillan
Bishop Roy Holmes (Decreased)


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A true leader has the confidence to stand alone, the courage to make tough decisions, and the compassion to listen to the needs of others. He does not set out to be a leader, but becomes one by the equality of his actions and the integrity of his intent.
Douglas MacArthur (1880 - 1964)
Contributed by: speakerforthelost
Too often, managers think that people development occurs once a year in performance reviews. That's not even close. It should be a daily event, integrated into every aspect of your regular goings-on. Customer visits are a chance to evaluate your sales force. Plant tours are an opportunity to meet promising new line managers. A coffee break at a meeting is an opening to coach a team member about to give his first major presentation. Think of yourself as a gardener, with a watering can in one hand and a can of fertilizer in the other. Occasionally you have to pull some weeds, but most of the time, you just nurture and tend. Then watch everything bloom.
Jack Welch
Source: Excerpt: How to Be a Good Leader: http://www.msnbc.msn.com/id/7304587/site/newsweek/
Contributed by: ~C4Chaos
Leaders have to set the team's vision and make it come alive. How do you achieve that? First of all, no jargon. Targets cannot be so blurry they can't be hit. You have to talk about vision constantly to everyone. A common problem is that leaders communicate the vision to close colleagues and it never filters down to people in frontline positions.If you want people to live and breathe the vision, "show them the money" when they do, be it with salary, bonus, or significant recognition. To quote a friend of mine, Chuck Ames, the former chairman and CEO of Reliance Electric, "Show me a company's various compensation plans, and I'll show you how its people behave."
I am often asked if leaders are born or made. The answer, of course, is both. Some characteristics, like IQ and energy, seem to come with the package. On the other hand, you learn some leadership skills, like self-confidence, at your mother's knee, and at school, in academics and sports. And you learn others at work—trying something, getting it wrong and learning from it, or getting it right and gaining the self-confidence to do it again, only better.
Source: Jack Welch: On Hiring, Inspiring: http://www.msnbc.msn.com/id/7305759/site/newsweek/
You know what comes next, of course.
You know I'm writing this at my desk,
on a Thursday,
and day after tomorrow
I'll put on bib overalls,
the neighbors thinking what an affectation,
and pull weeds for the composter,
and dig a place for a late row of greens,
most of them going to seed
instead of in the pot,
and tell myself what the hell,
I just want to dig the dirt
and watch the stuff grow,
an educated fool at last.
*excerpt from Educated Fool
James Autry
Source: Love and Profit: The Art of Caring Leadership, Pages: 38
Contributed by: Laurie
Business, like art and science, has been revealed and conceived through the intellect and imagination of people, and it develops or declines because of the intellect and imagination of people.
In fact, there is no business; there are only people. Business exists only *among* people and *for* people.Seems simple enough, and it applies to every aspect of business, but not enough businesspeople seem to get it.Reading the economic forecasts and the indicators and the ratios and the rates for this or that, someone from another planet might actually believe that there really are invisible hands at work in the marketplace.
Source: Love and Profit: The Art of Caring Leadership, Pages: 39
In every situation, you must lead with your real self, because if you're going to be on the leading edge of management, you sometimes must be on the emotional edge as well.
Source: Love and Profit: The Art of Caring Leadership, Pages: 110
A few weeks ago, one of the senior managers in my group told me about a very difficult critique session he'd had with one of his women employees. He had hired her, with great expectations of an outstanding performance. Instead, she had not adjusted well to her new job, and her performance was lackluster. An appraisal and perhpas a "caring conftontation" were in order.
When he told her she was not doing the job well enough, she began to cry. She knew, she said, she was letting him down, and her own disappointment in herself embarrassed her. Thus she cried.
"What did you do?" I asked.
"What could I do? I felt terrible. I cried too," he said, and I couldn't help thinking about the big-time management consultant and his box of Kleenex.
In my view, that manager demonstrated two things: He cared enough about the work that he was willing to confront someone he had a special interest in, and he cared enough about her to be hurt that she was upset.
But let me make something clear: *I'm not talking about management for and by the wimps.* In fact, I am talking about the most difficult management there is, a management without emotional hiding places.
You just can no longer be the tough guy, and you also can't come on as the impassive, icewater-in-the-veins "cool head." On the other hand, the kindly parent who listens-and-understands-but-does-nothing approach also won't work.
No, in every situation, you must lead with your real self, because if you're going to be on the leading edge of management, you sometimes must be on the emotional edge as well.
The exterior of leadership is behaviors. Also, a leader is like the builder or the architect of the ship in developing the social and business systems of the company. In the interior dimension the leader works in a transformational way, touching people's personality and their interiority. As a cultural icon the leader influences the stories and the shared values and the community.
Fred Kofman
Source: A Conversation with Fred Kofman: http://www.integralleadershipreview.com/archives/2003/2003_03_kofman.html
...the job of the business leader isn't just to gaze OUT at a dizzying world full of streaming data. It's to gaze IN at the long-ignored interior landscape.
The way the world works now, the way the rules of engagement operate, you can't claim to make sense out of the exterior without booking voyages into the interior. Think about it: How can you understand 'it' if you haven't made any effort to understand 'you'? Because what you're really doing is establishing a living, electrical, vital, energetic connection between it and you. You're creating both of them, simultaneously. A lot like quantum physics.
Seth Grodin
Source: The Big Moo: Stop Trying to Be Perfect and Start Being Remarkable, Pages: 106
Copyright © 2016 Gaiam, Inc.


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Believe in postseason trends as much or as little as you want — put me in the "as little" category if you would — but you figured that Roy Oswalt wouldn't be up for a repeat of his pedestrian LDS start against the Reds.
And it was anything but.
If you missed it, Oswalt threw eight innings and gave up just three hits and one run against the Giants, striking out nine. And if you didn't miss it, well, he did that anyway.
It was impressive to watch, almost as impressive as any start I've seen of his with the Astros. He wasn't vintage Oswalt early, getting behind hitters, reaching three balls and allowing his first baserunner via the walk.
But he was quickly his efficient self, throwing 111 pitches despite the three walks.
Oswalt is now 5-0 in the postseason — two starts for the Phillies and seven starts and a relief appearance for the Astros. He has a 3.47 ERA.
His most memorable of those nine starts is still one that earned him a bulldozer from Drayton McLane.
But with apologies to that seven-inning, three-hit, one-run outing in the 2005 NLCS, based on performance alone and not the stakes, Sunday night was probably his finest playoff start.
Oswalt was at 88 pitches after seven innings as the Phillies held a 6-1 lead. I wouldn't have been surprised to see Charlie Manuel pull him in case they pull a reverse and start Roy Halladay in Game 4. You'd still need three more pitchers to go on three days of rest from that point on to make it worthwhile, but lifting Oswalt might have helped.
In general, few complaints at all about Manuel, whom the Fox broadcast team accurately depicted as laissez-faire. He is consistently at the bottom of any hypothetical ranking of overmanaging or small ball.
I'm going to be taking this week off as a combination of a little postseason rest and a family commitment. There's been a small project that I've been working on, which I'll post Monday or Tuesday, but for tonight, I'll leave you with a question:
Both series are now 1-1, and now Astros fans have had the opportunity to see a great game from Lance Berkman (ALDS Game 2) and Oswalt.
Were the emotions what you expected?
Ordinarily I'd expect Houston to be mildly anti-Yankee despite the supposed rivalry with the Rangers and anti-Phillie, as they have become established winners of late and there is a strange rivalry in place with so many players shuttling between the cities.
But have you found yourself rooting for either team because of the presence of one-time beloved Astros?


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Oil-and-gas industry is safe
Published: Thursday, August 19, 2010 at 9:00 a.m.
Last Modified: Wednesday, August 18, 2010 at 3:38 p.m.
Eleven men lost their lives on the Deepwater Horizon rig. The families of these men must remain in our prayers. At the end of the day, the oil-and-gas industry will look hard at the causes of the tragedy that occurred at the Macondo well. With all of that said, the demonization of our industry is unwarranted. According to the U.S. Bureau of Labor Statistics, in 2008, there were a total of 21 fatal incidents in the oil-and-gas extraction industry. Of course, a single death is too many, and a zero-incident rate is the goal. However, a simple review of the facts makes it clear that the industry is much safer than nearly every other industrial business.
In 2008, there were 314 fatalities in farming-crop production, 50 deaths in the fishing industry, 1,016 in the construction business, 498 truckers, 58 taxi drivers, 39 tow-truck drivers, 54 trash collectors and 78 auto mechanics lost their lives. Even in non-industrial settings, many jobs are significantly more dangerous than working on a rig. Forty-eight people died in 2008 working at grocery stores, 44 performing artists, 29 janitors and 302 working in retail stores.
The safety of our industry isn't by accident or luck. The safety of our employees and the environment is our most sacred obligation. At Hercules Offshore alone, we have trained 5,609 employees. We have long empowered every employee with the authority to call a time out and stop the job — any job. In fact, we make it everyone's personal responsibility to stop unsafe jobs. Every employee carries a "Time-Out License" that states: "The bearer of this license accepts responsibility for and is fully authorized to call a 'Time-Out for Safety' on any Hercules Offshore site or job where he/she perceives a situation to be unsafe or otherwise has concerns about safety."
The data on non-fatal job-related injuries tell the same story: The oil-and-gas industry is safer than nearly all other industries. Workers in department stores like Dillards or Macy's have an injury rate three times higher than the oil-and-gas business. It is three times more dangerous to work in tortilla manufacturing and four times more dangerous working in a grocery store. The injury rate in libraries is twice that on a rig. The facts don't lie.
James W. Noe
CEO and president, Delta Towing
Reader comments posted to this article may be published in our print edition. All rights reserved. This copyrighted material may not be re-published without permission. Links are encouraged.


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So, I am using the page titles to help query the appropriate posts. I get the posts that are catagorized with the "band name" - which happens to be the title of the Artist page. This has been working really well for me until there was a band with three words. so "coyote clean up" will not work... but "coyote clean" will.
I'm using magic fields since this is an older site.
Any Ideas why it will except one word, two words, and not 3 words?
You can see the site in question HERE. The Coyote Clean Up artist page is where I'm not getting the releases showing up. Thanks.
<?php query_posts( array(
'cat' => '1',
'artist' => wp_title("",false),
'showposts' => 3
) ); ?>
<?php if (have_posts()) : while (have_posts()) : the_post(); ?>

<a href="<?php the_permalink() ?>">
<?php the_content() ?>

<?php the_title() ?>

<?php endwhile; ?>
<?php else : ?>

there are currently no related posts for this artist.

<?php endif; ?>
<?php wp_reset_query(); ?>


text:
Coverity outs social network as part of Coverity 6.0 release
Letting testers mingle and share code
SOFTWARE TESTING OUTFIT Coverity has updated its development testing suite Coverity 6.0 along with its Coverity Connect developer community.
Coverity's testing software is widely used by developers to test code, with the latest version bringing greater support for distributed development teams. The firm's Coverity Connect online community is a social network for Coverity users and the firm's technical personnel, meaning that users don't have to rely on Google alone to help them solve their problems.
Coverity 6.0 brings better support for defect management along with improved analysis and Java performance. Coverity continued on its distributed collaboration theme in Coverity Connect, allowing users to share code through the community and talk directly with its security research team.
Jennifer Johnson, VP of marketing at Coverity said, "Today's development organisation consists of distributed teams across geographic regions. Breaking down silos and sharing information is an imperative given increasingly rapid delivery cycles. With the launch of Coverity Connect and Coverity 6.0, we are continuing our mission to help developers seamlessly adopt development testing into their process. Making it easy for developers to collaborate and share information helps ensure better productivity, faster time to market, and higher quality software delivery."
Coverity said Coverity 6.0 is available now. µ
INQ Latest
What you missed in tech last week: Android 7.0, Windows 10 bribes
The top 10 stories from the past seven days
Honor 8 hands-on review
Meet the latest flagship killer from China
Google Updates: Solitaire, Duo, and Hangout in Groups
Plus, it's goodbye to Device Assist
Researchers uncover new flaws in Apple's iOS
Vulnerabilities in the iOS sandbox thankfully found by the good guys


text:
Home»Hot Wheels » Hyundai To Launch Special ITech i10 Edition
Hyundai to launch special i10 edition
Dailybhaskar.com | Feb 22, 2013, 17:54PM IST
New Delhi: Hyundai Motors has announced it has crossed the 12-lakh owners mark for its bestselling hatchback i10 and willl release a special edition of the vehicle-- the iTech i10-- to mark the occasion.
The announcement came in a print advertisement published today. (Contd...)
Related Articles


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Urijah Faber and Renan Barão square off in the main event of Saturday night's UFC 149 in Calgary, with a middleweight showdown between Tim Boetsch and Hector Lombard in the lead support role.
They and the rest of the UFC 149 fight card weighed in Friday afternoon.
Watch the full UFC 149: Faber vs. Barão weigh-in video below.
[embedded content]


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No catchy title this week, but we do have some fantastic sports on tap. Football, World Series baseball, and the F1 Circus all right here in the USA. So let's get to it.
Football: In the college ranks, the most significant game is arguably Texas A&M at Ole Miss. If the Aggies can get by the Rebels, there is a very good chance they will roll into the regular season final game on November 28th against LSU with a 10-1 record and a chance at real glory. And there is a similar chance LSU will be waiting for them in Baton Rouge undefeated. Ole Miss is no pushover though, especially at home. I'll take the Aggies here.
Emptywheel asked me to address just exactly what the hell is going on in the PAC-12 this year. I have no real idea, what do you all think? Utah is the darling of the dance so far, but can it last? Well, the Utes have two potential roadblocks, a road game November 14 in Tucson against Rich Rod and the Cats. And then there is tonight's game at USC. I smell a trap tonight in the Coliseum. Other than those two road traps, the Utes have UCLA and Colorado at home in the surprisingly comfy confines of Rice-Eccles Stadium, where they will be clear favorites. But, the real power in the PAC, if you ask me, is the Trees of Stanford. They should take care of the Washington Huskies today, and get both Oregon and Notre Dame at home in Palo Alto. That is a big time schedule, and on very favorable terms.
One final note before we hit the pros, heed should be paid to two small names that are kicking ass and taking names so far this year: First, the Temple Owls, who are at 7-0 for the first time in forever. Now they may not belong in the final four playoff picture, but you have to be happy for what they are doing. The second is the Memphis Tigers, who rolled up 66 points on a decent Tulsa team in Tulsa last night. They are well coached by Justin Fuente (watch out, this guy is going to get a much bigger job soon) and have an outstanding QB in Paxton Lynch. Memphis manhandled Ole Miss already this year, and if they get through the regular season undefeated, which is quite possible, they deserve to at least be considered for the playoff. Yes, so far, they really are that good.
In the pros, there are only a couple of games that matter. The Jets at the Patriots is one of them. Lot of noise both from and about the Jets. Please, just get out of here with that noise. Brady and Pats in Foxborough, buff said. The Cowboys will now be starting Matt Cassel in their big division game at the Giants. The Boys are starting to get healthier, and are coming off a bye week, but I will take Eli and the Gents here. Lastly, the Ravens are at the Cardinals for MNF. Baltimore is starting to get their legs back, but the Big Toaster in Phoenix is a very tough place to play, and the Cardinals need to make a statement after a disappointing road loss to the Steelers. Problem is, the Cardinals are absolutely horrible historically in big prime time games. I think it is a tossup, with, maybe, the slightest edge to the Cards. Could really be a good game to watch though.
Baseball: Welp, it is the Royals and the Mets in the World Series, which will inexplicably not start until Tuesday October 27. That is nuts, they need to get on with it. Who will be the Boys of November?
Formula One: The F1 circus is has set up shop in Austin for the week. I really need to get to the Circuit of the Americas one of these years, I have heard nothing but good things about the show there, even from my European friends. But this weekend, the weather predictions are rain, rain and more rain. That makes for great spectacle for TV viewers, less fun for actual race attendees. While Nico Rosberg was fast in the first practice, the second session of practice had to be cancelled because of rain. That is the first time an entire practice session was completely lost since 2004 when a typhoon interrupted the Japanese Grand Prix weekend. Frankly, with the remnants of Hurricane Patricia still afflicting the area, qualifying, currently set to go off at 12:30 pm EST today may be in jeopardy too. We shall see! Update: Practice three is actually underway, and the boys are really pushing it, potentially out of fear that qualifying gets scrubbed.
Music this weekend courtesy of the great Mose Allison. If you don't know Mose, you should. Hoist a tall one and have some fun!
It has been a very long week. Time to let loose. For a change, we open up with with the Formula One circus. For the first time since the not much loved race in Indianapolis gave up the Brickyard ghosts in 2007, Grand Prix returns to the United States. The setting is the newly constructed Circuit Of The Americas in Austin Texas.
This is pretty exciting stuff. Grand Prix needs to be in the US, but has not had a venue that felt right since leaving Long Beach due to a tizzie between Bernie Ecclestone and the local promoters over the licensing fee. The US venues since then, including Detroit, Las Vegas, Indianapolis and, yes, even a forgettable three year stint here in Phoenix, just never felt right. But there is a ten year agreement to stage the race at Circuit of the Americas, and the hope is for stability.
The promoters and F1 have trotted out Mario Andretti to rave about the new facility but, from what I saw of it during practice yesterday, it looks butt ugly to me. Coming two weeks after a stop at the opulent and gorgeous Abu Dhabi Yas Marina Circuit, the dustbowl cheap blight of COTA is embarrassing. Austin is a great city, maybe COTA will grow into something worth while with a little age, let's hope so.
As for the race, so far – as expected – the Red Bulls are fast. Vettel, Hamilton and Alonso, in that order, seem to be ahead of the pack early. The final practice is live on Speed starting at 10 am EST and qualifying starting at 1 pm EST, also on Speed. Coverage of the actual race starts at 1:30 pm Sunday, again on Speed. I will say this much, while the facilities and surrounding land look a little Continue reading


text:
- Report: #395640
Report - Rebuttal - Arbitrate
Complaint Review: JC Penney And GE Money Bank
JC Penney And GE Money BankPO Box 981131 El Paso, Texas U.S.A.
JC Penney And GE Money Bank closed our "current" credit card w/o notice GE Money and JC Penney El Paso Texas
*Consumer Suggestion: maybe now it is
*Consumer Comment: ITS GE MONEY BANK - NOT JC PENNEY
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We always paid our bill on time and never missed a payment. Just recently without and pre notification JC Penney raised our monthly payments from $68.86 per month, we always paid $75.00.
On October 26, 2008, we received a letter on JC Penney Letterhead, signed by GE Money Bank 800-542-0800. Our balance was $2042.81, the credit limit was $5,250.00.
Out the blue they cancelled my card, and ask that we pay $200.00 per month tand dropped the so called credit limit to $100.00.
It apears that GE Money is running out of money and have dictated to JC Penney to cancel cards without notice.
I am doing everything I can to make complaints directly to GE Money and JC Penney. My credit score is low, however, when I got the card is was over 700. Thru the years my Credit Limit at JC Penney went up from $1,000.00
to $5,250.00, October 10, 2007, just a year ago.
It looks like JCPenny is going under. Hope so.
sequim, Washington
This report was posted on Ripoff Report on 11/27/2008 10:21 PM and is a permanent record located here: http://www.ripoffreport.com/r/JC-Penney-And-GE-Money-Bank/El-Paso-Texas-799998-1131/JC-Penney-And-GE-Money-Bank-closed-our-current-credit-card-wo-notice-GE-Money-and-JC-Pe-395640. 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
maybe now it is
AUTHOR: Paul - (U.S.A.)
SUBMITTED: Friday, January 02, 2009POSTED: Friday, January 02, 2009
But my wifes JCPennys deal is JCPennys and there is no Gemoney/Gems etc...
I even have the bill for a recent purchase here and also my gemoney/carecredit online and for me its obvious they are not the same.
But then maybe the way you bought the items might have put u into gems instead of jcpennys?
ALL I know is I would never use GEMONEY (Carecredit) for anything but medical related.
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: Laurie - (U.S.A.)
SUBMITTED: Tuesday, December 23, 2008POSTED: Tuesday, December 23, 2008
GEMB has been cutting everyone's credit limit across the board. it was a GEMB business decision only.
You can file a complaint with the Federal Trade Commission
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?
Advertisers above have met our
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text:
Zombicide is a collaborative game in which players take the role of a survivor each with unique abilities and harness both their skills and the power of teamwork against the hordes of unthinking undead! Zombies are predictable, stupid but deadly, controlled by simple rules and a deck of cards. Unfortunately for you, there are a LOT more zombies than you have bullets. Find weapons, kill zombies. The more zombies you kill, the more skilled you get; the more skilled you get, the more zombies appear. The only way out is zombicide! Play ten scenarios on different maps made from the included modular map tiles, or create your own! For 1-6 players. Varying levels of difficulty. Fun strategy game with lots of replay value.
Manufacturer's Suggested Age: 13 Years and Up
Includes: instructions, game pieces, game board
Material: paper, plastic
Playing Time: 30 minutes or more
Number of Players: 1-6 Players
Level of Difficulty: intermediate
Battery: no battery used:
other Info.
- Online Item #: 15689957
- Store Item Number (DPCI): 087-10-1411
- Imported


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It's about who you know...
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Welcome to the website of the Jewish Communal Professionals of Southern California (JCPSC). We invite you to explore our site, and the many dimensions of what we do including continuing education, professional development, mentoring, and networking.
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