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A better idea than complaining would be to actually document the issues you seem to be having and then report them here. We can not improve BT if we only get "it doesn't work like Bt4 did" type of posts.
As for 1 above this is not likely a BT issue but try


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subset: commoncrawl


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Cardiac amyloidosisAmyloidosis - cardiac; Primary cardiac amyloidosis - AL type; Secondary cardiac amyloidosis - AA type; Stiff heart syndrome; Senile amyloidosis
Cardiac amyloidosis is a disorder caused by deposits of an abnormal protein (amyloid) in the heart tissue, which make it hard for the heart to work properly.
Amyloidosis refers to a family of diseases in which there is a buildup of clumps of proteins called amyloids in body tissues and organs. These proteins slowly replace normal tissue, leading to failure of the involved organ. There are many forms of amyloidosis.
Cardiac amyloidosis usually occurs during primary amyloidosis (AL type amyloidosis). Primary amyloidosis is often seen in people with multiple myeloma cancer.
Cardiac amyloidosis ("stiff heart syndrome") occurs when amyloid deposits take the place of normal heart muscle. It is the most typical type of restrictive cardiomyopathy. Cardiac amyloidosis may affect the way electrical signals move through the heart (conduction system). This can lead to arrhythmias and conduction disturbances (heart block).
Secondary amyloidosis (AA type) rarely affects the heart. However, a form of secondary amyloidosis called senile amyloidosis involves the heart and blood vessels. Senile amyloidosis is caused by overproduction of a different protein. The condition is becoming more common as the average age of the population increases.
Cardiac amyloidosis is more common in men than in women. The disease is rare in people under age 40.
Some patients may have no symptoms. Those who do may experience:
- Excessive urination at night
- Fatigue, reduced activity tolerance
- Palpitations (sensation of feeling heart beat)
- Shortness of breath with activity
- Swelling of legs, ankles, or other part of the body (See: abdominal swelling)
- Trouble breathing while lying down
Exams and Tests
It can be difficult to diagnose cardiac amyloidosis, because the signs can be related to a number of different conditions.
Signs may include:
- Abnormal sounds in the lung (lung crackles) or a heart murmur
- Blood pressure that is low or drops when you stand up
- Enlarged neck veins
- Swollen liver
The following tests may be performed to help diagnose cardiac amyloidosis:
- Chest or abdomen CT scan (this is considered the "gold standard")
- Coronary angiography
- Echocardiogram
- Magnetic resonance imaging (MRI)
- Nuclear heart scans (MUGA, RNV)
An ECG may show problems with the heart beat or heart signals (conduction disturbance).
A cardiac biopsy is used to confirm the diagnosis. A biopsy of another area, such as the abdomen, kidney, or bone marrow, is often done to confirm the diagnosis.
Your doctor may tell you to change your diet. This may include salt and fluid restrictions.
You may need to take water pills (diuretics) to help your body remove excess fluid. The doctor may tell you to weigh yourself every day. A weight gain of 3 or more pounds over 1 - 2 days can mean there is too much fluid in the body.
Digoxin, calcium channel blockers, and beta blockers may be used with caution in patients with atrial fibrillation. However, the dosage must be carefully monitored. Patients with cardiac amyloidosis may be unusually sensitive to any side effects.
Other treatments may include:
- Chemotherapy
- Implantable cardioverter-defibrillator (AICD)
- Pacemaker, if there are problems with heart signals
- Prednisone, an anti-inflammatory medicine
A heart transplant may be considered for some patients with very poor heart function. However, it is not done in those with AL type amyloidosis, because the disease weakens many other organs. People with hereditary amyloidosis will need a liver transplant.
Outlook (Prognosis)
Cardiac amyloidosis is a long-term (chronic) condition that slowly gets worse. On average, persons with cardiac amyloidosis live less than 1 year.
Possible Complications
- Atrial fibrillation or ventricular arrhythmias
- Congestive heart failure
- Fluid buildup in the abdomen (ascites)
- Increased sensitivity to digoxin
- Low blood pressure and dizziness from excessive urination (due to medication)
- Sick sinus syndrome
- Symptomatic cardiac conduction system disease (arrhythmias related to abnormal conduction of impulses through the heart muscle)
When to Contact a Medical Professional
Call your health care provider if you have this disorder and new symptoms develop, particularly:
- Dizziness when you change position
- Excessive weight (fluid) gain
- Excessive weight loss
- Fainting spells
- Severe breathing difficulty
Hare JM. The dilated, restrictive, and infiltrative cardiomyopathies. In: Bonow RO, Mann DL, Zipes DP, Libby P, eds. Braunwald's Heart Disease: A Textbook of Cardiovascular Medicine. 9th ed. Philadelphia, Pa:Saunders Elsevier; 2011:chap 68.
McKenna W. Diseases of the myocardium and endocardium. In:Goldman L, Schafer AI, eds. Cecil Medicine. 24th ed. Philadelphia, PA: Saunders Elsevier; 2011:chap 60.
Nuclear heart scan overv...
Heart, section through the middle - illustration
Heart, section through t...
Dilated cardiomyopathy - illustration
Dilated cardiomyopathy
Biopsy catheter - illustration
Biopsy catheter
Review Date: 6/7/2012
Reviewed By: Glenn Gandelman, MD, MPH, FACC Assistant Clinical Professor of Medicine at New York Medical College, and in private practice specializing in cardiovascular disease in Greenwich, CT. Review provided by VeriMed Healthcare Network. Also reviewed by David Zieve, MD, MHA, Medical Director, A.D.A.M. Health Solutions, Ebix, Inc.


text: I would agree from a size perspective. but Seattle plays a different defense than what kiffin does. they also have a lot of talent on DL and LBs, which allows Irvin just to rush the passer and not worry about anything else. the concern on Irvin coming out of collge was if he would hold up against the run. in their defense, he doesn't really play the run. that's not his role.


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Information from your City Offices | Public Notices | Public Announcements | Meetings/Events this Week | Things Happening Around our Community
Check out what's happening at the July 22nd City Council Meeting
To find out more about any of the items being presented to the City Council, click here to
review the agenda and associated staff reports. Remember, you can also
post an opinion on a specific agenda item by clicking on this link and
scrolling down to that agenda item. Then simply click on the "comment"
and type away in the text box. Remember to "submit" to post your comment. This new feature allows the Council
to see your comments at the any time prior to the meeting.
The Summer Reading Program has started and there's a ton going on in the children's department. READ on:
Up, Up and Away! Summer Reading at the Sausalito Public Library
Take flight this summer at the Sausalito Public Library as we celebrate reading and imagination.
Between Saturday, June 14, and Saturday, August 9, kids 12 and under are invited to join our flight crew for a summer of great performances and programs, and our annual Reading Challenge.
June 14 through August 9
All kids 12 and under are eligible for the Reading Challenge—whether they're reading to themselves or listening to stories read aloud. Reading Challenge participants sign up at the Sausalito Library and then visit the Library after every three hours of reading until they have read for 12 hours. Children get a prize after each visit. Children who read for 12 hours between June 14 and August 9 complete the challenge, get a free book, and are entered into a lottery for gift certificates, special prizes and more.
Tuesday, July 22 - 3:30 pm
The Bubble Lady
This show really pops! It's crazy, zany, and tons of fun. A Sausalito favorite. ALL AGES
Wednesday, July 23 - 9:40 and 10:40 am
Toddler Story Time
Join Molly for stories and songs! Perfect for children ages 3 and younger, and their caregivers.
Wednesday, July 23 - 3:30 pm
Piccolo Puppet Players
Slapstick humor, ridiculous antics and audience
participation: join us for a traditional Punch and Judy show. ALL AGES
Thursday, July 24 - 11:00 am
Littles with Molly
Join us for stories, songs, finger plays, and
fun. We'll read books about birds, clouds, flying, and other topics from
the wide blue sky, and do a special activity. For children entering Kindergarten in the fall or younger
Thursday, July 24 - 4:00 pm
Young Writer's Club
Join the Young Writer's Club! We meet every
Thursday, but you don't need to come every week. Come when you can.
Every week we'll do something different. Ages 8-10
City Working to Address Essential Services Needs
A recent community survey found that residents want to maintain and improve essential City services and address critical infrastructure needs. While the Sausalito City Council recently adopted a balanced budget, the current budget does not have the funds necessary to address many resident priorities.
For example, Sausalito's storm drains are 80 years old and many are completely deteriorated and rusted through. This allows pollutants, garbage and plastics to spill over into the Bay. By investing in vital storm drain upgrades, we can protect water quality and avoid expensive fines and harming the environment and Richardson Bay.
Additionally, many of Sausalito's neighborhood streets and roads are not only deteriorating and riddled with cracks, but are also on steep hillsides. While the City has made major improvements to a number of streets, it has not been able to address the concrete streets that are in the worst condition, which cost up to five times as much to fix.
The City's broken and potentially unsafe sidewalks also need fixing, and we need to upgrade and improve deteriorating local parks. The City is unable to address these and other critical needs while continuing to maintain landscaping, tree trimming, library services, public safety and other essential City services.
With Sacramento money grabs continually threatening funding for local services, the City needs a guaranteed source of local funding that cannot be taken by Sacramento. A potential local sales tax measure is being considered to address these and other essential services needs.
With tens of thousands of tourists coming to Sausalito each year to shop, a sales tax measure would ensure that out-of-towners pay their fair share for the strain they place on our local services. Sales tax is not applied to food purchased as groceries or prescription medication, including prescription medications delivered through the mail, which would limit the impact on Sausalito residents.
To learn more about these issues, please call Administrative Services Director Charlie Francis at (415) 289-4105 or visit our website www.ci.sausalito.ca.us.
The 2014 Sausalito Art Festival American Icon Art Competition invites artists of every caliber throughout the world, to express their vision of America using their mobile device.
The competition requires you to photograph an image that represents your individual idea of what an American icon is. Is your vision a '65 Mustang Convertible or the Golden Gate Bridge? Is it Steve Jobs or Mount Rushmore? Is it Beyonce, a buffalo on the range, or a NYC fireman? What is your American Icon?
The competition gives artists of all levels the unique platform to express their vision of America. It is up to the artist to choose an image(s) that in their minds is iconic of America based on their personal experiences, upbringing and beliefs. There's only one caveat: your American Icon image must be captured on a mobile device.Which means almost everyone in the world, professional, amateur, student,or social networking mavens can participate. It's that simple.
The mission of the Sausalito Art Festival's American Icon Art Competition is to foster through art, the personal expression of iconic American imagery, from people of all artistic skill levels and backgrounds. It's an opportunity for all artists, both professional and amateur to be part of the prestigious Sausalito Art Festival.
There are two ways to enter:
• If you think you have a creative winning image, you may enter the competition for $9.99 for the first image and $0.99each for up to 2 additional images and compete for cash awards and deserved recognition. Whether you are a professional or amateur, you will be part of the digital American Icon exhibit at the Sausalito Art Festival. Simply submit your image at www.americanicon.net
The images entered into the official competition will be judged by an esteemed panel of artists and other professionals for creative, thought provoking, contemporary and historical significance, as well as artistic and creative merit.
• Just want to share your iconic images and inspirations? Share them via Facebook, Twitter and Instagram using #MyAmericanIcon and be part of the "People's Pick" competition; get the most "likes"and win a VIP festival experience. Or, we encourage you to visit www.americanicon.net to upload your images for the People's Pick Contest.
Winning images will also earn a coveted place in the innovative American Icon multi-media, digital exhibition at the Sausalito Art Festival, Labor Day Weekend, August 30-September 1. Winners will also be awarded a VIP Festival experience and swag bag. Winners will be announced in mid-August.
There are a few guidelines (major manipulation of images is not allowed) but for more information, competition guidelines and to submit images, go to www.americanicon.net.
About the Exhibition and Competition
Inaugurated as part of the 60th anniversary of the Sausalito Art Festival in 2012, the competition was conceived as a way to welcome artists of all skill levels to exhibit at the festival, unrestricted by geography and focusing on a different theme every year that celebrates one of the world's most recognized icons. Last year, that icon was the American Flag; in 2012 it was the Golden Gate Bridge.
Every work of art submitted to the American Icon Art Competition will be included in the presentation video at the SAF as well as on the American Icon website, www.americanicon.net, enabling those who cannot attend the Sausalito Art Festival and American Art Icon Exhibition to see all of the images.
The exhibition will be on display in a dedicated exhibit venue on the festival site at Marinship Park along the Sausalito waterfront, presented on a large-format screen as a high-definition video with a special dedicated sound score. The entire American Icon show – from digital submissions to digital exhibit, makes the competition very global and very green; there is no shipping, no travel, no fossil fuel expended.
From your Trees and Views Committee
Looking for a small to medium-size tree that doesn't need much water?
Among other choices, consider one of the unthirsty beauties listed
below – but remember that all trees need regular irrigation the first
year after planting in order to get their roots established.
AUSTRALIAN TEA TREE (Leptospermum laevigatum)
AUSTRALIAN WILLOW (Geijera parviflora)
BRISBANE BOX (Lophostemon confertus)
BRONZE LOQUAT (Eriobotrya deflexa)
DR. HURD MANZANITA (Arctostaphylos manzanita 'Dr. Hurd')
FRUITLESS OLIVE (Olea europea, fruitless types)
PALMS (some)
PEPPERMINT TREE (Agonis flexuosa)
PERSIAN PARROTIA (Parrotia persica)
TEXAS OLIVE (Cordia boissieri)
TOYON (Heteromeles arbutifolia)
WESTERN REDBUD (Cercis occidentalis)
From your Age Friendly Task Force
This Month's Tip -- Stimulating the Mind and Staying Fit
Being able to communicate can make the difference in an emergency. Here are some communication tips that can make a difference for you:
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(415) 289-4100
Website Created by Vision Internet
Contact Us
Sausalito Chamber of Commerce


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It's Monday and I realize that I haven't done a music post in a while. I was all caught up in the Christmas Season, see, and many of those posts included music.
But now it's Ordinary Time, and I'm putting my VJ hat back on. Pretend that I'm driving this van around today, playing the following songs on a non-stop loop, with no particular place to go. [Read more…]


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Patrick Vieira believes questions over Roberto Mancini's position as manager at Manchester City are an inevitable consequence of the club's success.
Despite adding the Barclays Premier League title to 2011's FA Cup triumph, Mancini has come under scrutiny in recent weeks over City's poor Champions League form and revelations that he held discussions with Monaco last season.
A flurry of goals conceded from set-pieces have shone a light on the potentially unsettling effects of Mancini dabbling with a 3-5-2 formation this term, although a second-half switch to the system sparked Sunday's 2-1 win over Tottenham that maintained City's unbeaten record in the league and left them two points behind Manchester United at the summit.
"That is a part of the game," said Vieira, who holds the position of football development executive at the Etihad Stadium.
"People are like that and you people, journalists, try to find the little things that will sell more papers and will get more people listening to the news.
"But this is a part of our game and we accept it, no problem at all."
At last night's North West Football Awards, Mancini was named Manager of the Year and Vieira pointed to the five-year contract his former Inter Milan boss penned at the end of last season as evidence of the security he enjoys in east Manchester.
Additionally, the 36-year-old insists City need not look far to see the benefits of long-term continuity.
He said: "I hope (he is here in five years) because I believe that stability will bring success to the football club, to any football club.
"When you look Man United is a perfect example to follow, so why not?
"I think Mancini, since he's been at this football club his record has been fantastic.
"So credit to him - you're not winning the cup and winning the league as an average manager. You have to be good.
"He's a winner. He's working hard all week in training, trying to make the team focused and is really aware of the tactical aspect of awareness of the game.
"He is looking for the perfect game and he's really demanding. I think this is why he's so successful."
Vieira collected the Goal of the Year award on behalf of Sergio Aguero for the Argentina international's unforgettable injury-time strike to clinch City's first league title for 44 years against QPR in May.
Vital last-gasp goals have become something of a trademark for City of late, with Edin Dzeko leaving it until the 88th minute to sink Spurs at the weekend.
"I think it just shows the spirit of the team - never give up until the referee ends the game," Vieira added.
"That is a strength of the football club, a strength of the team - always believe and always find the resources to fight and score the last goal.
"When you look at Edin, Sergio, Carlos Tevez and Mario Balotelli there's so many players who can score at any time. They just need half a chance to score the goal. I think that's really important for us."
Maicon has last laugh over Spurs fans
How do you think City are dealing with their success? Have your say.
Roberto Mancini searching for 'perfect' Manchester City game, says Patrick Vieira
Patrick Vieira believes questions over Roberto Mancini's position as manager at Manchester City are an inevitable consequence of the club's success.


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IL notes: Eldred nestles in with Hens
Veteran provides Toledo with leadership, power at the plate
By John Wagner / Special to MLB.com | April 23, 2012 6:00 AM ET
"He came with a high recommendation from Bochy, both as a clubhouse guy and leader as well as a guy who can hit with power," Nevin said of Eldred.
Mud Hens hitting coach Leon "Bull" Durham, who coached Eldred in the Pan-Am Games last season, also was high on adding him to Toledo's roster.
"He has a lot of 'pop' in his bat, he's good in the locker room, and he's the veteran-type guy you need to share his knowledge about the game," Durham said.
But neither Nevin nor Durham could have predicted how Eldred has started this season.
Eldred currently leads the IL in home runs (eight) and RBIs (25), which isn't surprising since he topped the league in both categories when he finished with 35 homers and 100 RBIs for Charlotte in 2008.
The surprise is that Eldred has started the season with an IL-best 17-game hit streak and ranks seventh in the league with a .368 average, well above his career Minor League mark of .265.
Eldred said his fast start is the product of some changes he made late last season while with Fresno in the Pacific Coast League.
"Late into last year, I made more of an effort to be selective at the plate, to 'see' the ball and be more reactive," he explained. "The first part of my career, I was very aggressive.
"Now I have focused on being disciplined and getting good pitches to hit."
It's an approach that hasn't diminished his power, since he has eight doubles and a triple to go with the home runs so far this season.
"His path doesn't have to be just to left -- it can be to center or to right field," Durham said. "And he doesn't have to drive the ball out of the park. If he keeps the barrel of the bat in the strike zone, his average will improve -- and he still has his power."
Eldred, who plays first base and designated hitter for the Mud Hens, knows his path to the big leagues is blocked by Detroit's Prince Fielder and Miguel Cabrera. But at 31 years old, the former Pittsburgh prospect has learned the value of not worrying about things he can't control.
"I don't worry about anything besides what I'm doing on a particular day," Eldred said. "Everybody might say that, but what's going on around you may not have anything to do with what you're doing.
"I'm just really enjoying the chance to go out here and play every day. At this point, anything positive that happens outside of that is something you should just take and enjoy."
Road woes: Durham has won the IL's South Division title each of the past five seasons, but the Bulls are going to need to do better on the road if they wish to extend that streak this season. Durham is 1-9 away from home, thanks in part to a .246 team batting average and an 8.11 ERA. The Bulls are 5-2 at home with a .272 team batting average and a 3.44 staff ERA.
Harvey's big day: The first Triple-A win for Buffalo RHP Matt Harvey was a memorable one as he beat Syracuse 6-4 on April 20. In that contest, Harvey struck out six of the first seven hitters he faced and finished with 10 K's, tying his career high. He also had a two-run single in the fourth that broke a 2-2 tie and added a single in the sixth. Harvey allowed three runs on four hits and three walks over six innings.
He said it: "I'm ready to go anywhere -- catcher, DH ... I'll carry the water cooler to the dugout." -- Rochester C Drew Butera to the Rochester Democrat & Chronicle. Butera, one of three catchers with Major League experience on the Red Wings roster -- Rene Rivera and J.R. Towles are the others -- even has played in left field for Rochester this season. Butera told the newspaper he hasn't played in left field since high school.
John Wagner is a contributor to MLB.com. This story was not subject to the approval of the National Association of Professional Baseball Leagues or its clubs.View More


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Our brush fringe from Conso comes in 8 lovely colors and is available in 1" width on 24 yard reels. From the King Cotton Collection.
General Shipment Timing GuidelineThis product takes about 4 weeks before we are ready to ship not including ship time to your area from JKM's facility.
(Product Characteristic: Fabric Fringe) / (Fabric Content: 95% Cotton 5% Polyester)


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Styx, Foreigner, Don Felder teaming up for summer tour
Listen to Styx on iHeartRadio | Listen to Foreigner on iHeartRadio | Listen to Don Felder on iHeartRadio
Styx and Foreigner are hitting the road with a former Eagle.
The rock bands are joining forces with singer-songwriter Don Felder for "The Soundtrack of Summer" tour. The three-month trek includes 34 shows across the U.S., starting with a performance at Zoo Amphitheater in Oklahoma City, Oklahoma on May 16th. Felder will open each show, while Styx and Foreigner will alternate as the closer.
Styx guitarist James "JY" Young says he's excited about the trek. He says they'll be bringing an extensive collection of classic rock hits to the stage to create a "slammin' soundtrack of a rockin' hot summer," which will be a nice change "after this crazy cold winter."
Ticket sales for select cities begin this Friday. More details are available at www.soundtrackofsummer.com.
Styx, Foreigner, and Don Felder's "The Soundtrack of Summer" Tour Dates
May 16 - Oklahoma City, Oklahoma, at the Zoo Amphitheater
May 17 - Grand Prairie, Texas, at the Verizon Theater
May 18 - Spring, Texas, at the Cynthia Woods Mitchell Pavilion
May 20 - Clearwater, Florida, at Ruth Eckerd Hall
May 22 - Estero, Florida, at the Germain Arena
May 23 - St. Augustine, Florida, at the St. Augustine Amphitheater
May 24 - Alpharetta, Georgia, at the Verizon Wireless Amphitheater at Encore Park
May 25 - Orange Beach, Alabama, at The Wharf Amphitheater
May 29 - Tuscaloosa, Alabama, at the Tuscaloosa Amphitheater
May 30 - Simpsonville, South Carolina, at the Charter Amphitheater
May 31 - Charlotte, North Carolina, at the PNC Music Pavilion
June 1 - Virginia Beach, Virginia, at the Farm Bureau Live
June 5 - Cincinnati, Ohio, at the Horseshoe Casino
June 6 - Chicago, Illinois, at the FirstMerit Bank Pavilion
June 7 - Maryland Heights, Missouri, at the Verizon Wireless Amphitheater
June 8 - Kansas City, Missouri, at the Starlight Theater
June 19 - Boston, Massachusetts, at the Blue Hills Bank Pavilion
June 20 - Bristow, Virginia, at Jiffy Lube Live
June 21 - Big Flats, New York, at the Budweiser Summer Sound Stage
June 23 - Verona, New York, at the Turning Stone Casino
June 27 - Mashantucket, Connecticut, at the Foxwoods Resort Casino
June 28 - Wantagh, New York, at the Nikon at Jones Beach Theater
July 4 - Scranton, Pennsylvania, at the Toyota Pavilion at Montage Mountain
July 5 - Bangor, Maine, at Darling's Waterfront Pavilion
July 6 - Gilford, New Hampshire, at the Meadowbrook US Cellular Pavilion
July 9 - Canandaigua, New York, at the CMAC
July 10 - Sterling Heights, Michigan, at Freedom Hill Amphitheater
July 17 - Minneapolis, Minnesota, at the Target Center
July 18 - Walker, Minnesota, at the Moondance Jam
July 22 - Englewood, Colorado, at the Fiddler's Green Amphitheater
July 23 - West Valley, Utah, at the USANA Amphitheater
July 25 - Las Vegas, Nevada, at the Orleans Arena
July 26 - Los Angeles, California, at the Greek Theater
July 27 - Santa Barbara, California, at the Santa Barbara Bowl
Photo Credit Getty Images


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I bought a pack of these and I gave a rave review. I have come home three days in a row and reached in to the Nicaraguan Humidor immediately for one of these. They are just so good that I cant get enough. None left time to order!
I bought a pack of these and I gave a rave review. I have come home three days in a row and reached in to the Nicaraguan Humidor immediately for one of these. They are just so good that I cant get enough. None left time to order!
This is the second JdN I have tried the first was extremely good and although this cigar is not as strong it lacks nothing. It is one of the best cigars I have enjoyed lately. Good solid construction and consistency extremely good wrapper and colour a very good looking cigar. I really enjoyed the flavour of this cigar. Good V cut and purge easy draw from beginning to end with perfect even burn no relighting required. The ash stayed way down to the JdN label with a solid tight silver and black ash stack. Nice smoke I really enjoyed this cigar and will buy more and looking forward to trying other JdN cigars next. I will also try the bigger ring gauge is this range
Since there was a line up of the usual characters waiting for a haircut, I asked the barber if I could take the folding chair outside in the fresh air ... (so I could fire up the Joya de Nicaragua Antano 1970 Consul burning up my pocket). As I got into it, I started to care less about the haircut, and more about enjoying this fine intense flavorful cigar along with a cup of that new/old Starbucks coffee (Pike Place brew). I was not interested in leaving that behind when my name was to be called. After getting my money's worth, I'm sure when I brought the chair back in and told the barber I'd have to try again tomorrow, he was probably wondering why I was smiling and not frowning ... that I had to wait so long and still didn't get my hair cut.
I am normally not a fan of Nicaraguan cigars, but the Antano is one big, fat exception. It doesn't have the bitter, earthy aftertaste that I've experienced with the CAOs and other Nicaraguan smokes, but is rather sweet, spicy and powerful all at the same time. I am with the other reviewers who are praying that the great price for a box of these doesn't change.
Very well made burns perfectly and packed with loads of flavors such as deep wood coffee and lots of spice.
Very well made. Burns nicely. Smells of wood, coffee and lots of spice. My 1st ever box of 20 and yes I will by lots more. It's such a chill cigar you will love it .
Very well made. Burns nicely. Smells of wood, coffee and lots of spice. My 1st ever box of 20 and yes I will by lots more. It's such a chill cigar you will love it .
Full bodied, smooth and consistent. Flavor starts with some woody, allspice, creamy nutty with a very deep red finish with surprisingly little amount of pepper. Middle third sees more of the same flavors with some dark cherry-ish notes and light cocoa sneeking their way in with again surprisingly little spice. Surprised me, i was thinking what the hell were these people smoking ? saying these were peppery smokes. Just as i thought, bam in the final third here comes the pepper and spice, turns a little less creamy with a deep woody, eathry, allspice flavor. Burn and construction is great, however the draw can sometimes be on the tight side not a problem for me . All in all a fantastic looking, tasting, smelling cigar at an amazing price.
Hazel nuts to be exact. This tasted just like hazel nut coffee, but without the sickly sweet taste. Nice peppery finish. Fantastic cigar. Too bad you can't get them for less than $2 - I'd smoke them every day.
Joya de Nicaragua was once the most recognizable brand to come out of Nicaragua. With smokes like these, it's no wonder that they're still highly respected among avid smokers. This blend offers a balanced assortment of sweets and spices without being overpowering. That's not to say, however, that this isn't a powerful cigar. It's certainly a full-bodied smoke, but enjoyable all the way through. Highly recommended.


text:
MIAMI, FLORIDA -- Washington Mutual sells MONEY ORDERS. That is not the problem. The problem is that they do not back them up, it's a company from Colorado which backs up the money orders. You better believe that - I found it out when I used one I had from a few years ago, to use as emergency money. I paid partly in cash and with a Washington Mutual money order to buy a vehicle. Bank of America accepted the money order until Washington Mutual refused to honor it. Now I was facing a big financial loss. The seller had nightmares done to his credit and his accounts, we were both in financial hell.
Quickly, I went to WaMu and was surprised to be told to call the State of Florida, that WaMu had sent the money there as the money order had not been cashed. I am a weekly customer, with automatic deposit of salary check, why wasn't I contacted rather than the state? That time I was refused talking to the manager but the staff member informed me to call the state office which keeps unclaimed funds and when I did - TreasureHunt reported not having the funds.
After weeks of no info, I returned to the branch where I had originally bought the money orders. This time the manager was available. A few of her questions surprised me - such as asking me if I had ever had an account with them, the answer being yes, as long as they have been on the east coast. For about 2 hours, between other duties, she made phone calls using only her first name to numbers she gathered on her computer. Then she told me to get a lawyer, WAMU could not redeem the eschewed money orders.
I asked her to please identify herself as a bank officer as it had more influence than my making more dead-end phone calls, which she finally did when we were approaching 3 hours of refusals. It helped, of course it helped, she got someone to ask her to fax copies of the money orders. Now she gave me a final phone number to call myself and as a nice gesture called it herself. It was the number for a pain clinic.
We were both exhausted by this time and I agreed to return 2 days later to give time for the fax to be answered. I did more research and found that the mystery company is owned by American Express. I called the branch manager to thank her for her work and to give her the specific phone number which is current for now. In time the funds will be returned, it takes between six-eight weeks, and I am still waiting.
I am hopeful this will be the end of it all. However, I am prompted by those who I tell of this experience to write about it, to inform others how money orders purchased at a bank are not necessarily a product of the bank, how money orders have expiration dates, seven years if purchased at a bank and ten years if bought from the US Post Office. I wish I had known this and not listened to Washington Mutual staff assurances - "our money orders are safe forever as long as you don't date them." It's not true. No way!
Bank One N. A. moved-in March, 2001 {15 Year, 6.5 fixed, never seconded} Loan Transferred to Homeside Lending November, 2001 all posted payment's achieved timely conformation from April, 2001 to March, 2002, twelve month old timely paid loan was demanding twelve $102.99 Escrow Shortage monthly's from April, 2002 to March, 2003. Assistance Filing "Proof of Claim" against Washington Mutual's Bankruptcy is needed before 3/31/2009 deadline.
November 19, 2004 Washington Mutual requested patience promising loan history production relating "The Comptroller of the Currency" and "Better Business Bureau" involvement relative to second' ignored R. E.S. P.A. "Qualified Written Request" telephonically on December 15, 2004 loan management conversed, that Bankruptcy STAY' was released and loan history was transferred to Washington Mutual archive department in Chicago.
Archive department instantly e-mailed unclenched' loan histories, ending loan manager's "48 month" covert "Principal Curtailment" concealment, and erroneous Escrow reduction missing fund's concealment, the Better Business Bureau then removed Washington Mutual's chief arbitrator chair, expelling for three year's, "speaking retrospect-fully acquiring Credit Report in 2002 would-have averted Foreclosure Theft nothing else!" Case Number ** including Core Adversary Trial's Appealed award.
December 2007 Washington Mutual returned $7,515.98 loan payment funds to Bankruptcy Trustee without Arbitration, Explanation or Accountability, as a precursor to July, 2008 Foreclosure, Mooting Judgment Ruling by equating yet another Fiduciary fault/guilt Theft admittance, self assessing, while grossly underestimating actual damage, ignoring commitment clauses Contractual damage, accrued damage's, Interest and accrued Interest.
Specifically "Deed" commitment damage's clause, By the Rights granted by Benjamin Franklin and The Founding Fathers, in their leading Statute of the very First Amendment {SCIENTER = meaning or Science of the Contract - Anti-trusting' exacting Lending Institution's' while including certain Contractor's "stating" Contractor must contractually abide the universal forwarded stipulations of contract offered, cemented with binding Mutual' Signature requirement} Loan Originator and Loan Manager Both protectively harbored $778.34 "Principal Curtailment" {evading' shouldered $10,286.25 Contractual Commitment's damage Clause'}
Also protectively harbored the unaccredited $637.22 Escrow reduction {later claimed as November, 2001 erroneous Escrow reduction intended for December, 2001 payment} concealing Both by protectively harboring loan History for Four Year's "Principal Curtailment's" self defining and $637.22 Escrow Reduction's definitively "Escrow Curtailment" intentionally coveted from loan statement's by "pencil shading" Void without digits.
December, 2001 payment accountability Box, then stealthy omitting from requested, received 2002 Escrow Summaries and Final loan history the first "28" November, 2001 after loan transfer Day's, Also returning $336.00 Escrow to progress "Escrow in shortage" for preplanned future $175.26 Escrow reduction, claiming the $637.22 I. R.S 1098 without 2001 fund's received Re-taxing, Credit Repository deception, forcing Bankruptcy, releasing Stay, and Foreclosure Theft.
Washington Mutual Executive Response Center formal December 16, 2005 report admitted discovery "Bank One 2001 credited, then suspended, then "Curtailed" $778.34 monthly payment, crediting loans overall Principal only" then transferred loan to Homeside Lending that reduced "Escrow" $637.22 ("claiming" November 28, 2001) explaining erroneous misapplication attempt at reversal of "Principal Curtailment." Loan Management admitted Escrow reduction while denying it vanished unaccredited; singularly defending monthly's progression concoction.
Actualities; real-time statement starkly contradicts December 16, 2005 Final' loan history's recorded date, because Homeside Lending received loan November, 2001 and November 5, 2001 exacts $1,289.85 Escrow transferred, then Escrow reduced by $637.22 to $652.63, accrediting Principal $253.34, accrediting Interest $383.88, accrediting Escrow $175.26, recoiling back-to overall Escrow balance $175.26 action'.
November 28, 2001 loan update highlighted Escrow's $652.63 balance only, the erroneous Escrow reduction then vanished before December, 2001, because December, 2001 Principal, Escrow and Interest received "pencil shading" without digit accreditation, mirrored on all loan updates, both 2002 requested Escrow Summaries, including Final loan history that intentionally covertly omitted first 28, November, 2001 Day's, add $336.00 Escrow returned, figure Curtailment and Curtailment's loan;
Re-terming adjustment, equates the $1,148.48 April, 2002 to May, 2003 $102.99 Escrow Shortage, perfecting the irreconcilable pretzel logic that created the phantom like December, 2001 unsubstantiated, unaccredited void that blocked outside refinance, with twelve $102.99 Escrow shortage's, reflecting Homeside Lending used "Mindbox" Data Repository and Loan Manager used its editing, point and click "Soap" Program', augmenting date's to protect stolen Escrow, with historic recreation faltering.
Blocking outside refinance by erroneous Credit Repository reporting, Also loan manager thwarted Washington Mutual's letter promising loan history production, by releasing Bankruptcy "Stay" selfishly knowing loan history concealment protected Principal Curtailment and missing Escrow Reduction whose production would-have eliminated forced Bankruptcy, adverted Bankruptcy, forced Bankruptcy reversal;
Foreclosure was desired solution, release of Bankruptcy Stay action was required, because Bankruptcy protected manager from case-load accountability review, additionally Washington Mutual's inherent case-load accountability review, Fear protectively circumvents Justice by reimbursing half of all "Court appointed Attorney" fee's across Texas, Lobbying courtroom participant's, insuring prosecution protection!
Curtailment defined {"liken-to lopping off Horse's tail" Curtailment = covert' prepayment deception, Breach of commitment, of accountability, of relationship, emphasizing intentional Breach of Chartered License, here repeated to mask'} Curtailment abandoned December, 2001 and November 5, 2001 Escrow reduction intended Curtailment replacement, evaporated {liken to "Escrow Curtailment" defined = Anti-trusted} diligent loan history harboring became required' to protect Homeside Lending Data Repository' "Mindbox" problematic "point & click" power editor "Soap" extremely assessable Program's limitless historic editing ability's finality from caseload review.
Loan Manager testified' Homeside Lending used {INNUS} Credit Repository, pondering in-house. Prior to release of Bankruptcy Stay all loan histories reported December, 2001 unaccredited, requested Escrow Summaries and November 16, 2004 Final loan history report, covertly omitted the "first 28, November 2001 day's" following loan transfer, compelling deception intent, in actuality both {Curtailment-theft's} relates double standard when prosecuting Violent armed bank robbery thief's, theft and these isolated matter's expanded universally, damaging unreported multitude's.
Payment timeline; March, 2001 Bank One N. A. 6.5 fixed 15 year NOTE contracted timely payments are no later than the Fifth of the month, each payment received generates posting account update statement, including single fixed detachable coupon for next monthly payment up-to November, 2001; all agree timely.
Bank One received December, 2001 $812.48 coupon payment and properly accredited Principal $246.59, Interest $389.63 and Escrow $176.26, then all became suspended, then overall Principal "Term" commitment reduced $812.48 - $34.14 P. M.I. = $778.34 truncating from "NOTE" overall Principal financed "Principal Curtailment" transferring loan with December, 2001 unsupported.
November, 2001 Homeside Lending received transferred loan with $1,289.85 in Escrow funds. November, 2001 proof of payment investigation team {loan payment entry Stay'} requested front and back photo-copied canceled check routing # proof that Bank One received December, 2001 payment, posted them U. S Mail.
November 5, 2001 not November 28, 2001 Escrow reduced $637.22 to $652.63, real-time statement documents accrediting Principal $253.34, accrediting Interest $383.88, accrediting Escrow $175.26 recoiling back-to Escrow balance $175.26 action' {Escrow reduction addressed Principal and Interest replacement = $175.26 un-curtailed, awaiting Escrow shortage fund accumulations for repeating covert Escrow reduction} action.
November 29, 2001 statement' only highlight's Escrow's $652.63 balance, prior to $637.22 vaporizing. December, 2001 the $637.22 Escrow reduction has already vanished, amounting four year Curtailed. December 10, 2001 $1,168.26 County Tax payment, amounted Escrow to minus $515.63 shortage. December 15, 2001 received $336.00 Escrow Surplus, increasing Escrow arrears to minus $851.86. December, 2001 Escrow reduction's $637.22 claimed I. R.S. 1098 taxable in 2001, Re-taxing!
January, 2002 paid $813.49, February, 2002 paid $813.49, March, 2002 paid $813.49; all agree timely. January, 2002 requested, "Escrow Summery" report detail's, December, 2001 without digit entry or itemization, payment box only "Pencil shaded" blank {all other monthly's itemize Principal, itemize Interest, itemize Escrow} Also all loan monthly payment update's exacted December, 2001 without Principal, Interest or Escrow accreditation "Escrow summery" accounted unrepaired accountability.
April, 2002, payment with Escrow Shortage requirement $813.49 + $102.99 = $916.48; check did I. S.F. April 15, 2002, "Escrow Summery" report again requested, received, still' December, 2001 has no digit entry or itemization, payment box "Pencil shaded" blank {all other monthly's itemize Principal, itemize Escrow, itemize Interest} Also' loan monthly payment updated balance's reflect December, 2001 lack's any/all Principal, Escrow or Interest accreditation;
Escrow accountability remains unrepaired, lender demanded remaining Ten' x $102.99 = $1,029.90 Escrow shortage arrear "paid in full" prior to additional Escrow Summery loan history reports communicated, payments suspended after May, 2002
May, 2002 $2,000.00 payment, Loan Manager Testified all payments, charges and fee's updated current, prior to July, 2002, only' the Ten' demanded $102.99 Escrow shortages remained unaccounted. July, 2002 to September, 2002 prioritized Credit-card balance reduction, anticipating outside refinance. October, 2002 all refinance attempts failed, reasoning was then unknown, Credit-cards showed $60,000.00 available credit with low remaining balance due.
November, 2002 Countrywide exposed home loan payment history problem, Credit Repository Report, restriction hobbled their refinance efforts, undersigning dismissed out of hand. November, 2002 any / all outside refinance offers and term commitments attempted without availability, even high risk, high Interest, refused loan, including without the expanded Principal first desired. December, 2002 Involuntary Bankruptcy protection forced.
December, 2002 Attorney charged ¼ hour proof of claim, explained additional funds available for loan history research and volumes of loan history documents copied and conversed, numerous office visits and hours expended without loan history resolve. Early, 2003 Bankruptcy requires finance training class, reviewed check paid loan history problem with Attorney / Scholars/ Teachers proof of claim review suggested.
Middle, 2003 Bankruptcy Conformation Hearing, demanded on the Court recorded record, credit for cashed check payment accountability waving canceled check's to Judge, Trustee, Homeside Lending. Judge forced Signature then "Stayed" Bankruptcy Conformation for 60 Day's, reprimanding and ordering Attorney to file "Proof of Claim" for loan history resolve.
October, 2003 Judge's 60 Stay time allotment expired, Attorney stated Homeside Lending offered return of Principal Curtailment and Escrow reduction funds, offer denied, without Credit Report itemizing returned funds, some damages and loan history production's proof of event accountability, fearing unrealized additional damage's, he conversed quitting, payments halted for court review date.
February, 2004 received Bankruptcy Attorney's notice of quitting all Houston, Texas case-load, "he" recommended Bar Association Attorney. March, 2004 New Attorney formatted loan history from real-time summaries and composed "R. E.S. P.A. "qualified written request,"
April, 2004 New Bankruptcy Attorney's R. E.S. P.A. "qualified written request" was being ignored letterhead Dated February 12, 2004, request carries time-line restriction's with damages {"loan servicer must acknowledge within 20 Days, and resolve within 60 Days"} Attorney backdated letterhead way before our first acquaintance pre-expiring, home loan payments halted for Court review.
September, 2004 release of Bankruptcy Stay hearing, called Attorney at office, she refused courtroom attendance, in courtroom My Bankruptcy Trustee "Attorney" was busy hearing and releasing Bankruptcy Stay's and Foreclosure's ruling from Judge chair, allowing Judge' Courthouse absentee day, Trustee "Stayed" Bankruptcy until October, 2004 awaiting Bankruptcy Attorney representation, Again canceled check stubs waved demanding accreditation with loan history production.
September 17, 2004 used Attorney's unanswered / ignored February 12, 2004 R. E.S. P.A. "qualified written request" to craft, format, personal R. E.S. P.A. "Qualified Written Request" posted Certified Mail, Washington Mutual, Bank One and Homeside Lending, Also' posted First Class B. B.B. Comptroller of the Currency, Office of Thrift Supervision, RESPA and more, e-mailed all-about. "Comptroller of the Currency" forwarded assisting, "Better Business Bureau" forwarded assisting and repeatedly ignored, despite Washington Mutual seating one of their Five Chief' arbitrator chairs, B. B.B. later reported three Year, Washington Mutual suspension resulted.
October, 2004 Trustee recommended Attorney file amended Proof of Claim or file Core Adversary, "privately conversed with Attorney and Trustee, Both' stated Core Adversary filing intended" Trustee related, Judge Ruled, Bankruptcy "Stay" suspended until December 15, 2004. October, 2004 Year later 2005; Judge ruled Bankruptcy Attorneys ignored R. E.S. P.A. "qualified written request" inadmissible evidence in Core Adversary Courtroom proceedings, actual postings questioned.
November, 2004 Attorney claimed forwarding with Lender communication for loan history production, possibility of Core Adversary trial avoidance, her filing still pending if loan history production unresolved. November 19, 2004 Washington Mutual letter requested patience' promising loan history production while relating The Comptroller of the Currency and Better Business Bureau involvement.
December 15, 2004 called Washington Mutual for status up-date, Management reported Bankruptcy "Stay" released, and loan history transferred to Washington Mutual Chicago Archive department, called Archive department and four year coveted, protected loan history received by e-mail that Day.
December 16, 2004 called archive department disputing loan history received, explaining discovery of Principal Curtailment and Escrow reduced with wowing response. December 19 or 20, 2004 Bankruptcy Attorney office meeting, Core Adversary filling was pending. December 15, 2004 Core Adversary filing's letterhead date
Clarifications; Bank One loan originator "Principal Curtailment" was a breach of DEED contractual Term commitment preemptive clause's signed authorization requirement's, restriction of covert prepayment's compromising "NOTE" {here fifteen year} final pay-off, that specifies' instead of damage arbitration, all loan originator received funds and earnest funds returned, supporting DEED 180 month term commitment paperwork', $12,291.54 but for Insurance, Tax and Inspection Costs related = $10,286.25 amendable with discovery.
THIS Specification was the missing top half of preemptive "DEED" Clause's "Paragraph" that protected "NOTE" omitted by Judge on Judgment rendered, the forward substance of Core Adversary Justice sought, Judgment quoted "NOTE" from the "and therefore" down, only, Plagiarized by edit, delete, plus 10% Interest Bankruptcy Trustee charged, plus forced Bankruptcy damages, doubled with foreclosure.
Washington Mutual argues substantiation of Credit Repository, inaccuracies, required. Loan manager testified Homeside Lending used {INNUS} Credit Repository. The three major Credit Repositories report's itemize only twelve most recent month's detailing generalization "no derogatory." Home loan was hobbled with lender accountability derogatory of December, 2001 phantom-like void of accreditation {pencil shading} matching posted loan history's and Escrow summaries, accessing itemization of December;
2001 requires release by Homeside Lending {INNUS} Washington Mutual, but Escrow reduction's only challenge is real-time statement date predates loan history's recorded date, to alone' allow Washington Mutual connotation that November, 2001 Escrow reduction anticipated December, 2001 payment need, only forwarding their nonsensical slimmer of convince-ability's baffling relevance,
Washington Mutual states dispute the "No Derogatory" for solution, Assumption's November 5, 2001 Escrow reduction first credited November, 2001 {assuming and/or December, 2001} then payment discovered, defaulting payment to December, 2001, but December, 2001 was also proved paid by check photocopy, then before December, 2001 the $637.22 vanished, Tax payment created Escrow in shortage, at some point the $637.22 was reported I. R.S. 1098 Taxed;
$336.00 Escrow returned. Detailed Escrow summery report was demanded, requested, received early January, 2002 and again requested, received April 15, 2002, intentionally all reported December, 2001 "pencil shaded = void", without accreditation including monthly loan account histories and Final loan summery began Homeside Lending loan history November, 29, 2001 intentionally coveting first 28, November 2001 Day's following loan transfer, explaining creation of $103.00 Escrow Shortage demand, Credit Repository Report's void, blocked outside refinance forcing involuntary' Bankruptcy protection.
Brief timeline; Closed March, 2001 "Principal Curtailment" theft, loan transfer, "Escrow misapplication, check payment investigation, Escrow misapplication vanishes becoming Escrow Curtailment" theft, December, 2001 unaccredited, Escrow Curtailment Re-Taxed, Escrow Surplus return, requested Escrow Summery received, twelve $103.00 Escrow shortage's demanded starting April, 2002, April, 2002 first untimely payment {check ISF}, Again requested Escrow summery received, May, 2002 $2,000.00 payment, Prioritized Credit Card balance pay-offs, refinance blocked, Bankrupt, loan history denied, Judge orders Proof of Claim loan history resolve;
Staying Bankruptcy Conformation 60 Day's, Attorney Quits all Houston case-load, New Attorneys R. E.S. P.A. ignored, My R. E.S. P.A. ignored, Comptroller of Currency assistance, Bankruptcy Stay released, Better Business Bureau expels Washington Mutual, paid Trustee to end Bankruptcy, Sued Washington Mutual/ Homeside Lending, Trial ended 100 Days later Judgment received, awarded $1,000.00 for ignored R. E.S. P.A. only', Attorney received compensation Award, DEED specification Curtailment damages ignored equates Judge allowed Theft, erroneous Escrow reduction {is Escrow abuse, without damage award} Escrow reduction vaporized equates;
Again Judge allowed Theft, {Congressional "RULE" 2005} timely appeal ruled by Bankruptcy Judge late factually overruling 2005 Congressional mandate, forcing Excusable Neglect court arguing, Second Appeal shouldered {docketed} awaiting Enron Judge, Main Enron Trial conclusion, Houston Courthouse Supervising Judge expected to expose Houston Courthouse Judges impropriety of ignoring congressional "RULE" 2005 overshadowed Excusable Neglect case merit's, then Appealed Fifth Circuit to over-rule Enron notoriety Judge's decision!
"Wall Street" protectionism, Appeal's denied up-to desired U.S. Supreme Court when Appellate Attorney let time expire before sending case to printer, never once compiling Core Adversary Merits to Brief, Washington Mutual uses Bankruptcy Trustee to return $7,515.98 without Arbitration, Explanation or Accountability then Forecloses.
Specific detailing advanced from above; Bank One N. A. "Principal Curtailment" breach of "DEED" term commitment signed prepayment authorization Clause "NOTE" protection, Contractually specifies, instead of damage arbitration, all loan originator received funds and earnest funds returned, supporting "DEED" Lender Signed "NOTE" paperwork, exempting Insurance, Tax and Inspection Costs relative $12,291.54 minus $1,289.85 transferred, best accountability updateable, if arbitrated Attorney advice required!
Minus $1,168.26 County Tax, minus $239.00 PMI, minus $308.00 Hazard Insurance, Judgment omitted these specifics, {quoting from middle Paragraph} starting from the "and therefore" altering composers contractual protection intent = $10,286.25 plus 10% Interest, plus Escrow reduction that vanished damage's, plus forced Bankruptcy damage's, plus foreclosure damages, plus homestead return
Damage was extraordinary and $1,000.00 each Day's justifiable, even circumstantially shortsighted, once examining premeditatedly misapplication advancements, considering theft admittance was precursor of courtroom fallacious court argumentum, understanding asset division shoulders certain limitations, additional fund sources hold promise that may of may not factor into Washington Mutual asset treasury revaluation, comparatively paling damage's accounted, first' help is needed "nonetheless" quest's, exposing derivative, assumption's, researchable, learn-ability, prior to April, 2009.
Damages Sought in Three Day, Core Adversary Trial, and demanded today! In accordance with original "forced Bankruptcy damage's" sought, as a simplification' Day-rate damages equate, relating arbitrate-able self-judgment $1,000.00 each Day' was recorded at Core Adversary Trial. Actual damage's forwarded without accounting all accrued damage's or restitution.
Damage's 2,744 Day's and 2,744 Day's Interest require, amendments accordingly, Day-rate's simplify. From September, 2001 or from November 5, 2001 to March 31, 2009 all assessed = 2,744 Day's. Mindful Trustee charged 10% Interest resulting, so 10% results. Foreclosure was Homestead Theft doubling overall damage's if not restored
Bank One Principal Curtailment, Deed damage's of $10,277.25 X 10% Interest X 2,744 Day-rate. Homeside Lending Escrow reduction $637.22 minus $336.00 Escrow returned = $301.22 X 10% Interest X 2,744 Day-rate, plus forced Bankruptcy damage's X 10% X 2,744 Day-rate. Combined = Curtailment damage's $10,578.47 X 10% Interest X 2,744 Day-rate and 2,744 Day's X 10% Interest on Curtailment Damage plus forced Bankruptcy damage's X 10% Interest for 2,744 Days
Then minus Washington Mutual's December, 2007 return of $7,515.98 damage reduction that shortsightedly omitted $3,582.75 damage's from included Theft's, then Interest accrued and day-rate damage amount's. Again' Core Bankruptcy fund return is admitting faults burden of guilt, Both' Mooting and Muting Judgment while Self accessing restitution that grossly underestimating damage rendered, ignoring all accrued Damage's and accrued Interest.
Simplified eliminating arbitration and Attorney fee's = 2,744 Day's X $1,000.00 = $2,744,000.00 with homestead's return or with Foreclosure damage doubled, But' $5,488,000.00 accounts fighting Usury by using = $3,000,000.00 Claim or ironclad $3,500,000.00 defendable Claim.
COLUMBUS, OHIO -- I have been a long-standing credit card customer of Washington Mutual, I pay on-time and would consider myself a valued customer. Unfortunately, they don't feel the same way. They doubled my interest rate out of the blue for no good reason. I've been employed at the same company for 10 years, I own my home, I have a brand new car that I'm currently half-way through my loan cycle for, I pay MORE than the required payment on pretty much every bill I have, I have no negative marks on my credit, no late pays, so what is the reason for this interest rate increase? I pick up the phone to find out.
I am immediately greeted by a gentleman calling himself Brandon but clearly has a thick accent and is clearly reading from a script. He tells me he cannot help me as they periodically review credit cards for an interest rate reduction so I'll just have to sit around crossing my fingers and hoping I get one in the near future. I will be notified by mail. "Brandon" offered me no good explanation as to why my interest rate has doubled, his script tells him to let me know that they base the rate off of my FICO score and various other reporting sources.
Since Brandon was of absolutely no help to me, I ask to speak with an account manager vs. a customer service representative that has memorized the answers to my questions. The script tells Brandon to let me know that the account staff are on the other side of the building and there is no way for him to reach them for me, he has no phone numbers and again, I'll just have to wait on a periodic review of my account. I have to wonder, does Brandon have feet? Can he not walk to the other side of the building and obtain an account person for me? Does Brandon not have a company listing of staff?
With absolutely no help being provided to me at this point, I must ask Brandon what he is going to do when I hang up this phone. The answer to this question my friends, you're not going to believe this, the answer is nothing. Brandon is going to do nothing. Hmmmm.... and why does he work there? To do nothing? We are paying him, with the elevated interest he is able to keep us at with his diversion tactics, for nothing folks! After going in circles with this guy that is barely understandable, I demand to speak with the supervisor. It was like a bad dream replaying.
Here comes Nigel the supervisor and wouldn't you know, another accent and another script. The only difference, Nigel says I had the opportunity to close my account if I were not happy with the interest rate they notified me of a few months back. Now I'm no rocket scientist here folks but I'm also not a dummy, you don't just close out a long-standing account. Talk about a FICO score in the toilet! This is the solution to my problem, just close the account if I am not happy. Hmmm... and this is the Customer Service Department you say???
At this point, I have had it with their utter lack of intelligence and disregard for their customers so I tell it just as it is. They are punishing the good customers with a higher interest rate to make up for their losses on home foreclosures! We all know this. It's been on the news for God's sake! They were in such financial distress that Chase had to come and rescue them! We are not blind, deaf or dumb here. I tell Nigel that if he does not care about his customer's satisfaction then I will just not be their customer as they wish. Nigel really doesn't care. I'll have to just wait on a periodic review or, I can just close my account.
Those are my options. That's what I get for paying on time and being a loyal customer. I've never felt so loved and appreciated. For all his hard work and concern, I tell Nigel that I hope he still has a job when Chase takes over. And the worst part, I think Nigel thought I was being serious.
LONG ISLAND, NEW YORK -- To make a long story short, I have a checking/savings account and credit card account with WAMU. On 7/31 I found my credit card was frozen. I wonder why because I made my payment which was actually more than my statement ending balance sometime between the 15th and 18th of the month as this is when I pay all my bills. I thought my card was stolen or something like that. Turns out my electronic payment never went through.
I asked them why they frozen an account with a perfect history, and I mean never late and only 1 or two months did not pay off the balance in full (and this was because of my wedding in March), without calling me, the card holder and only name on the account. They told me it was policy to put a hold on a delinquent account. Now this made me mad because I am a 25 y/o who takes great pride in being financially independent, out of debt, no student loans, and just paid off my wedding from March.
I keep a very accurate accounting book, but I forgot one rule, always write down the confirmation number when doing an online payment. Anyway, I made an express payment over the phone got them to waive the 14.95 fee and take off the $39 non-payment fee. Now today, 8/4 nothing had posted to my account. Not the payment, not the two credits, but what was there was a $10.03 finance charge. I called again this morning and was told that it takes up to 2 (TWO) billing cycles to credit an account. The finance charge was interest because I carried a balance.
I again explained that I made the electronic payment as I have done every month for about 2 years since opening my account and it did not go through. They put me on hold and the call disconnected. Okay I thought, these things happen to everyone who works in an office occasionally. Called back, explained the same story and was told that they needed to review my account. Again disconnected... or I should say hung up on!!!
I may be mad as anything right now, but when I deal with customer service I am nice and to the point. You don't mess with people who can easily hurt you, like waiters (or food handlers) or customer service people. I had to speak with the accounting supervisor on staff just to have the finance charge reversed, but again, it takes up to 2 billing cycles to credit my account.
I have never had an issue with them before, and I will never have another one as I will be closing my accounts with them once my $65 in fees are refunded. In addition to all this, I wrote an email to them regarding everything that happened on 7/31 and all I received was an email stating the last payment I made. Poor, poor, poor customer service (except for the supervisor who did correctly fix my problems without any phone disconnections).
Also, for those of you who care, WAMU outsources its call center to India at night. These were the people who I spoke with on 7/31 as I was paying for a dinner for my wife and friend at 10:30pm EST when this happened. These people were rude and demeaning, talking to me as though I was a deadbeat who owes tens of thousands of dollars and has never paid my bill. If you talked to me 7 days ago I would have recommended WAMU to anyone. Now I will tell people to look elsewhere. To any WAMU reps who read this, tell your company heads to take a long look in the mirror to see what WAMU has become. Sorry, guess this was not short after all.
I have more than just one complaint for this company. So let's start on day one. I opened my checking and savings account with about $3000 in cash. So all the girl needed to do was DEPOSIT. But instead the bank teller decided to TRANSFER an extra $1000 from someone else's account into mine at the same time. So as the days went on I paid bills and went shopping and kept tracking the numbers in my little check book. Also, the savings account was pulling money out of the checking every month just like it was supposed to.
All of a sudden two months later Washington Mutual withdrawals $1000 from my savings account which was supposed to only have about $150 in it. The only thing the transaction history said was " amount owed to WaMu." Huh? So I called and told them what happened. The man said he would look into it and call me back. (I never heard from him again) BUT they made sure to pull the $1000 from the correct account...my checking. So I was exactly -$850 in my savings and -$500 in my checking. I called and they told me that even though it was a bank error I did spend the money and had to pay it back.
They closed both my accounts and I had to pay $850 then they returned the extra $1000 that they took from my checking. THEY NEVER RETURNED THE OVERDRAFT CHARGES! And now I just learned they sent my "claim" to a business who puts your name on a list that pretty much lets every bank know you can't open an account for 10 years! Luckily I already had another account opened. It was a Washington Mutual account but it was the only one I could use. Recently some of their policies have changed.
My hair dresser of three years accidentally charged my card twice. So instead of $250 being taken out she charged $500 and overdrew my account. I called her to let her know and she said she would put it back no problem. Then I called Wamu to tell them that she would fix it and they could reverse the overdraft charges. They informed me, once more, that it was not a bank error and that they would not reverse the overdraft charge. I'm sorry but that means I have to pay for something that is definitely not my fault. They told me to call the merchant and have them pay the fee.
So now I have to call my sweet hairdresser who made an honest mistake and tell her to, practically, give me back the tip I gave her that day. Unbelievable! Thank god my hairdresser uses a credit card company and it was their fault so they are going to pay for it. But still. Washington mutual just got $30 for free. Something is wrong here. If the mistake had not happened they would never have taken out that $30. And it didn't mess up their funds. It was mine so I should get the extra $30 if anyone. The point is Washington Mutual will find any way to STEAL money from you! DO NOT BANK WITH THEM!
CALIFORNIA -- On March 05, 2008, I had to wire transfer funds to family outside of the US. It was an emergency and therefore, I spoke to WAMU Customer Service about doing such a transfer. They assured me that the transfer can be handled through WAMU without any problems and will take only 2 - 3 business days. When asked if we could use Citibank as the intermediary bank since the international account is a Citibank account, they said "yes, that would be no problem." I went to our branch in Rancho Cucamonga with all of the necessary information to wire transfer $2,000.00 to our family and into their Citibank account.
I specifically gave the Teller handling the transaction all of the Citibank information along with a Citibank Internal SWIFT Code to ensure delivery. I explained it to her; however, she insisted that HSBC had to be used as the intermediary bank. When she tried to enter the SWIFT Code, it failed, so I again explained to her that it is an Internal SWIFT Code for Citibank. She explained that she would forward the Citibank information to HSBC. Hell, she could not even get the account documentation correct. Long story short, they lost the funds and I ended up having to research everything.
They could not give me a straight answer as to the tracking information with HSBC and Citibank said they never saw it come through. When it was reported to WAMU Executive Services, Christian, he promised to locate the problem and contact me back that same day, March 10th. I never received a call back from him. I did however provide him with the information originally given to the teller at the Rancho Cucamonga Branch.
On Friday, March 14th, the funds magically appeared in the Citibank account that they were being sent to. I still had not received a call from Christian regarding the status of the funds. I had made several attempts to contact his manager and to no avail. I also made numerous attempts to contact Mr. Thomas Casey, EVP/CFO and Mr. Kerry Killinger, Chairman/CEO. I was blocked from speaking to them by the switchboard. I ended up flying to Seattle and met with investigative reporters there at the SEATAC Airport, then returning on March 12th.
I lost 2 days of work behind this incident at a cost of $500.00 per day, on top of the ticket to fly there, for which I was refused a meeting after having been invited. We had to secure an emergency loan for the family in that country for the amount we sent. We are out well over $1,500.00 in losses total which includes the interest we paid for the short term loan. WAMU has yet to accept responsibility for this incident. I finally received a call from Christian on March 24th at 9:31am, advising me that the funds had made it to the destination.
However, the situation with WAMU became worse on March 24th. I learned of a withdrawal of $1,026.00 that took place on March 20th from our checking account at approximately 4:53pm. Before contacting WAMU, I called my wife and asked her about it, since the on-line statement shows it as a Customer Withdrawal. She said has no clue as to the withdrawal and suggested I call WAMU. I did and was told that we withdrew the funds from the Escondido Branch. Clearly, this wasn't the case so I requested information on this withdrawal. I was transferred to a fraud investigator who informed me that the withdrawal was made in Escondido California.
She stated the withdrawal was against a check deposit of $2,200.00. Naturally, this deposit does not show up on our online account as all others do. I asked her about that and she replied that deposit never show up that same day on the online banking. This was incorrect information and I know this was false since they do appear on-line after a deposit is made the same day, just as withdrawals are. She contacted the branch where the transaction took place and was convinced that the funds were supposed to be for another account.
I am convinced otherwise as she said in the beginning that this was likely someone using our account to defraud the bank. How is it that the tellers do not check identification? I have all mine and so does my wife. We also have our cards and PIN's are never written down. The investigator told me she would get the deposit slip and a copy of the check for me so as to file crime report with the Escondido Police Department. I was ready to go to Escondido to meet with EPD Fraud Investigators when I was convinced that it would not be necessary. Needless to say, I did file a report.
I again call corporate Executive Services and again, I had to speak with Christian. Gave him the information and was told that this matter would be expedited. I was also assured that there would be no fee's for any transactions coming in.
On March 25th, they charged our account 2 overdraft fees of $30.00 each (We changed banks and put the money elsewhere because of the problems prior to the March 20th incident and left the $1,026.00 in the account to cover outstanding transactions). I sent the customer service unit an e-mail on each transaction including the theft. They replied that they are fee's owed for the transactions and that WE took the $1,026.00 out of the account in Pullman Washington! Needless to say, this is incorrect and very WRONG.
Since this matter came to light, we have been given 3 different stories as to what had taken place with our funds. Again, Executive Response is not being very responsive and making excuses. I have come to know that their job is not to help WAMU customers, but protect those at the executive level. I have also learned that Customer Service knows little about escalating matters such as this to Quality Assurance or Executive Response. In fact, when I questioned Customer Service, they believe they are the ones who handle all complaint issues.
Clearly, the business philosophy of those in the Executive Management Team starts with 1 word "GREED". While making a minimum BASE salary of $900,000.00 annually and a very liberal bonus structure as the CEO of Washington Mutual, you would think that being sued for their mishandling of customers and investors might cause Mr. Killinger, his direct reports and the Board of Directors to take a closer look at how they are doing business and how they can save their investors and depositors millions of dollars each year.
With a growing trend of complaints on internet consumer websites regarding Washington Mutual, one might wonder if it is really worth doing business with them. With the economy falling into a recession and businesses closing their doors, investors losing millions of dollars, the mortgage industry taking dive. Is it not worth taking the time to hear what the consumers are saying? Business philosophy needs to change if they intend to remain in business.
Consumers are looking for better deals, honesty, integrity and a company that is going to accept responsibility for its actions. Companies who are these things and strive for Quality in the care of their customers will be ultimately be successful in our current situation. As GREED is the current cause of our nations declining market. As executives, middle management and front line team members, we have to remember that we too are consumers and ask how we would want to be treated.
It is no secret, that when a corporate executive is faced with an issue of treatment or handling by someone of another company, they would in fact go straight to the top. They too would want to speak with their equal in handling their poor customer service experience or poor quality of product and service delivery. It happens every day. The end result of which is immediate satisfaction often time resulting in termination. It is a privilege they extend to one another. It is a privilege all should enjoy.
If the executives do not like it, then do business honestly and with integrity. Here a just a few of the websites I have visited. For more, you can Google "Washington Mutual Complaints". There are literally hundreds if not thousands.
SAN DIEGO, CALIFORNIA -- Here I go again, it is not my first bad experience w/ WAMU but for sure it will be my last. I am fed up w/ them and encourage others that are in it or considering it to just run from them -- don't walk... Don't even take my advice on what I tell you but do your own research on the web. You will see I am not the only one...
It all started w/ me checking my account status and call to ask about some transactions posted that were not authorized by me. The guy on the phone ask if I wanted a copy of my statements I said sure that would be helpful... Did not even bother to say "hey there will be a charge for this are you willing to pay it"... Come the next day a $60.00 charge on my account... What? For what? Why wasn't I told this over the phone? Calling them to ask a reversal on it was a mere "we are sorry but can't. It is all in a very fine print about these fees in the consumer fees policies" and I am sure they are somewhere in there, yes in very fine print.
I am mad cause they never asked or told me over the phone about them or else would not even ask for such copies, but yes very nicely ask if I wanted these copies... Of course they were not going to tell me about the fees, cause that's how they get their high scamming money from their own clients. This is how they are a multimillion dollar company from scamming people...
I ask when I call to get my money back if this should be told to me over the phone when I was asking about my transactions? I told them that I don't have these papers handy to actually see right then and there the bottom line about the fees?
And again 'sorry we can't refund your money'... Well WAMU hope you enjoy my 60.00 bucks and put them where the sun don't shine... Cause this girl is taking what little money you left in my account and going to San Diego County Credit Union.. Yeah baby I am out of WAMU... False advertisement, bad people, outsourcing, outrageous fees, no courtesy at all, and of course they won't tell you about the fees... To me it's a big scam... So run don't walk from them... There you go my fair 25 cents...
By the way I am posting this on every consumer site I can get in to alert all of you and yes as a way of letting out steam and taking my advantage of the freedom of speech cause they can't take that from me... And oh! Yeah it feels good to just take a small wack at them via internet....Even if they don't read or even care cause they don't care it is good to have the power of speech... Goodbye my 60.00 bucks and most of all so long to WAMU.
ALTAMONTE SPRINGS/ ORLANDO, FLORIDA -- Real, unique, outrageous, unforgettable situation. After waiting for more than a week we got a letter that we requested but it was not complete. We just needed it to state our current balance, date of opening the account and amount deposited last year. So, we went back to WAMU in Altamonte Springs, and a nice Manager's assistant helped us writing another letter but the next day we noticed that the letter didn't have my husband's name, and of course it was required.
So I went back again, but had the terrible luck of being attended - I'm not saying taken care by the "Branch manager". The guy never asked me to take a sit, never looked at me, and then made me wait for 2 and a half hours - in the lobby or waiting area. The time is not an exaggeration, it is signed in.
Then, almost three hours later when I stepped into his office tired of waiting, the guy without a blink, told me that he was not giving me what I wanted. He said that he cannot issue a letter about the business accounts because those belong to a company and companies have an EIN number and not a social security number so he cannot state that those were our accounts.
And, he added like saying nothing, he just can issue a letter about our personal account but would just include the last two statements, and not the total deposited last year. But I won't have it anyway because it had to be notarized and he cannot notarize his own documents so I won't get anything - smile for the picture please!! But that is not the worse.
I asked him questions trying to understand why the "system" won't let him write that information and the more I asked the more dull were his answers. He just meant: I am not giving you anything that you requested no matter what! And then, when I told him he had been really rude making me wait like this for nothing he said very triumphal: "If you don't like it I can escort you out!"
I was shocked!!! The guy is around 6 feet tall, I guess Haitian; I am a medium small woman, Hispanic. I said, "OK, great, awesome; if that is what I can get from you, yes, escort me out; but before doing so, I need to have one of your cards." So when I took the card from his desk he was already calling the police!!! Oh yeah. I thought he was bluffing. But when I was leaving I heard he said "and she is vandalizing my lobby and doesn't want to leave."
So, I came back and said, "what? Wow, I'll wait here if that's the case." But then I thought that if I stayed they might believe I didn't want to leave, but if I leave, I was going to be chased like a criminal outside. I never had a situation like this; what are you supposed to do? This is unbelievable, absurd and very, very humiliating!
The story ends with me waiting for the police outside the bank; crying while talking to my husband and then being questioned by police officers - I got a "Trespassing Order". Oh yeah, he said I was throwing papers while vandalizing his lobby - but then the report just reads "disturbing".
I was never vulgar, never threatened him, never insulted or said offensive things; I am not any kind of danger for him or the Bank, so, how is that after him abusing me, as a client and human being - making me wait like that and mistreating me verbally - he can prohibit me from going to the branch I've been using for more than seven years in a row?
Plus, the worst of the worst, how can he call the cops on me spotting my name and reputation and can sleep without disturbance while I've cried my eyes and felt so terribly bad when my sweet daughter inquired why I had been "escorted" by the police. This guy destroyed my image to cover his lack of respect to a human being, his unprofessionalism, his incompetence and negligence, and then he can get away with it, like nothing, laughing at me I guess? By the way, the Manager of other branch made me the letter. It took her a couple of minutes!! Amen.
HOUSTON, TEXAS -- I enrolled via wamu.com for savings and free checking account in February. I did extensive research to find the right bank for me. One feature I was looking for was overdraft protection. Specifically, I was wanting an account that would simply debit my savings account when funds were not available in my checking account. Washington Mutual sent a confirmation/welcome email to me once I was confirmed as enrolled online. This email (which I saved and still have) clearly stated that my ATM/Debit Card would be sent to me shortly and it also stated: "Your savings account will also be linked to this card." That is all that was stated about my ATM/Debit Card. At the end of July I did not transfer funds from my savings account to my checking account to replenish funds. I knew that I had no outstanding checks (I rarely write a check) and wanted to keep my money in the savings account where it could earn interest. Since my ATM/Debit Card was linked to my savings account I thought I was making a sound financial decision that would give me the most benefit.
I got a shocking surprise in the mailbox about a week later. A letter from WaMu advised me that I was overdrawn on my checking account, that the amount to the merchant was paid, however I would be incurring a fee of $35.00. Of course it took about a week for all the transactions to come and once they all did I ended up with $291.00 in overdraft fees alone.
I have called WaMu's customer service on three separate occasions explaining the facts surrounding the overdrafts and that reason for the occurrences were due to official communication I received from Washington Mutual. The agents I have spoken with all state that yes, The ATM/Debit Card is linked to my savings account but only on ATM withdrawals. I told them that is all nice and lovely but their email needs to specify that. The email does say that the debit card is linked to my savings account. There was no small print on the emailed message.
I have also visited two of Washington Mutual's branches seeking a correction of this error and a reversal of the overdraft fees. Apparently there is nothing they can do since this is an "internet" account.
About a week after I had originally opened this account I got a letter in the mail from WaMu (which I still have) expressing difficulty in sending email to my yahoo account. I had been receiving regular emails from Washington Mutual The letter even specified my correct yahoo address as the address that was problematic. This letter informed me of the importantcy of having a valid email address so I could be contacted with important information regarding my account. I was able to get this situation corrected by providing WaMu my Hotmail address instead. Question: When I started to overdraft and incur overdraft charges, why wasn't an email sent to me? Why was I notified by postal mail only? Answer: Washington Mutual wanted me to be oblivious to this for a few days so I would continue using my debit card. My continued use of the card meant more overdraft fees. Washington Mutual has proven it is a company without scruples. They misinform you and mislead you from the beginning. I am an informed consumer who researches and compares companies and products before buying. I expect companies to be candid and honest. Especially a financial institution that is charged with the safe keeping of my money. I had plenty of money in my savings account to cover any and all transactions and fulfilled my obligations.
I have filed a complaint with the Better Business Bureau. After submitting my complaint I soon uncovered that Washington Mutual has a "D" rating with the BBB. Washington Mutual is unethical and predatory in its practices and should not be trusted with something as important as your money.
FLORIDA -- Washington Mutual claims in its mission statement to be about "fairness", and to cut through bureaucracies to improve customer service. This company is one big hypocrite, and I am now poised to follow the advice of folks on my3cents who have advocated letters to attorney generals, and to better business bureaus.
Here's the morass I just went through this week at the hand of this corporate hypocrite: my girlfriend is employed at a large local company that owns more than two dozen national chain restaurants in the area and is paid weekly. I am a freelance writer who writes mostly for a very, very large and well-known newspaper group that is based in New York City AND includes our local daily newspaper, for which I write. I, too, make weekly deposits.
When my bank originally informed me six weeks ago that my girlfriend's payroll checks would be held for two days, I objected, and then was told that if I continued to make the deposit weekly, the computer would erase that "hold". Great...I followed orders and after two weeks, no hold. Then just last week, the two-day hold was re-instated, I was told upon depositing the check. "But why?", I asked. "I've followed your directions and the hold had been removed. Why was it popping up again?" "Don't know", the clerk said.
Not only did my bank hold this check for two days; it became apparent after day two that the check was actually being held for FIVE days!! Wait, there's more: after depositing MY freelance check weekly for several weeks, with no holds, suddenly this week a four-day hold was placed on MY check as well! NFS fees began to appear at an alarming rate; I marched in to the bank and vehemently objected. The fees were refunded, but I was given a lecture by the bank about A) being more aware of holds being placed on my checks and B) being nicer to the bank clerks when I come in with a complaint.
When I asked for an explanation of why the holds were put on our checks in the first place, I was told first that holds are placed if the bank is uncertain whether a payroll check would clear; when I reminded the bank manager that both employers were household names, she brushed on past. Then, I was told that holds are placed if our account has recently been in bad condition. I reminded the bank manager that our account was in better shape now, when the hold was placed, than it had been four weeks ago when the holds were removed. Again, no answer provided.
This is evidence of a bureaucratic nightmare, where the right hand knows not what the left is doing. Two other points: 1) If someone has a record of bouncing checks, common sense says that withholding their paycheck for days after they've been paid would likely increase, rather than decrease the likelihood of more checks bouncing. This policy of punishing us by withholding what's rightfully ours is insulting to the human race.
2) It almost seems as though banks seek to home in on folks that look like good sources of ongoing revenue through NFS fees. I get the feeling that after we bounced a few checks, the bank decided, 'Hey, they are vulnerable and ripe for the picking. Let's start withholding their checks unpredictably and I'll be we'll make some good money off of these folks.'
I just think that we have become all too accepting of unreasonable policies, as evidenced by the vast number of people I've seen chiming in to questions like this by reiterating and reinforcing bank policies, seemingly closing their minds to the base fairness of the policy in the first place. About 150 years ago, the idea of someone much wealthier than a wage-earner determining when and how that wage-earner could get paid was considered slavery...


text:
"I told myself if I got drafted I was going to sign no matter what," Boyd said.
Boyd arrived at the A's spring training facilities at Papago Park in Phoenix on Wednesday, where he will work out under the direction of A's Director of Player Development Keith Lieppman.
"He's my next call," Boyd said. "I just got here and I'm ready to go."
Boyd hasn't been told where he will be playing this summer, though it's likely he may stay in Arizona. He's one of 21 A's draft picks (of 43) who have signed, and is the only high school player to have signed.
The A's used five of their first seven picks to draft a high school player. Boyd is one of eight of the top 18 picks who have agreed to terms. Birmingham Southern catcher Bruce Maxwell, taken in the second round, is the highest draft pick to sign.
Girls' lacrosse
Menlo School juniors Michaela Michael and Ali Kim have been named to the Girls High School All-American first team by the Northern California chapter of US Lacrosse.
Michael and Kim led the Knights to a No. 10 ranking in the state, according to laxpower.com. Michael finished ranked No. 3 in the nation in goals scored (131) and No. 1 in the state, according to Maxpreps.com. In points (goals and assists), Michael ranked No. 6 in the nation and No. 1 in California with 162.
Receiving honorable mention All-American recognition were Palo Alto High senior Kimberley Flather, Paly junior Nina Kelty and Sacred Heart Prep sophomore Caroline Cummings.
Honorees were nominated by their respective coaches, and selected by a committee of coaches and officials representing the various leagues and sections in the Northern California Chapter.
Selections were submitted for final approval to US Lacrosse, which defines an All-American as one who exhibits superior skills and techniques as well as exceptional game sense and knowledge, while embodying good sportsmanship.
"These players represent not only the very best of Northern California, but players who stand alongside the very best high school girls lacrosse players in the nation," wrote Ken Cuozzo, the US Lacrosse Girls High School All-American chairman.


text: Hey just wanted to say hi, ive been reading posts for awhile, but never posted myself. Ive been a cowboys fan since the day i was born, and i play quarterback for my high school. It'll be fun posting with you guys sooo thanks. oh and im cowboymikes' brother. i also actually just tried to stick it to romo2austin