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Americredit & GM team up to Fleece the poor
Posted by
So the welfare has been received, General Motors are pumping themselves up and realizing they need the poor to continue the bail out. Let me explaine, recently GM announced it will now have a relationship with a â Americreditâ that has been in the business of offering non prime and subprime auto loans. Unfortunately, these loans must be offered because one must ask himself. who else will General Motors and Americredit prey upon, surly not the wealthy, No the desperate! Let me give an example of this. I purchased a GM car it fell apart a 1996 Lumina, a real piece of junk, the manifold wore thin and dumped water in the crank case, right at 36000 miles, Notice the mileage, this is when the dealer warranty expires, Unknowingly, my credit was run through 15 different banks, now I have 15 inquiries killing my credit score and forcing me into that vehicle. Guess the only people that will finance the car is Americredit, who by the way can no longer make loans in California because illeagal lending practices, The interest rate is like 24.99 % percent. So I have an outrageous payment of $430 per MO. And Americredit Know's exactly what they are doing. General motors also is now going to continue making subprime loans on somone who has decent credit. So I make all payments on time, all but three payments, because the accounting practices at Americredit cause you to get behind on your payments claiming they donât get to their p. o. box but on fixed dates. I finally traded the car in blowing smoke out the kazoo because the cost to fix the Lemon was well over $2200.00 dollars. And even after the Americredit loan is paid in full. Account closed and paid those three lates on my credit report are reported 16/30 day lates one month 5/30 day lates another month then 6/30 day lates again and again all the while this account is showed paid and closed. I contact the credit reporting agencies and to my surprise they start the blame game claiming one or the other are reporting it inccorectly. The whole experience with general Motors and Americredit turned into the worst decision I ever made, So Please Beware who you do business with. Surely steer clear of the Welfare recipients and their thugs who are out to jamm you and your family up. See General Motors and Americredit have these people called CEOâs who are in contact with their congressional friends making back door deals attempting to fleece you out of your good credit standing and your hard earned money. Thanks for listening I hope my story makes you think about your next
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habanero98765 on 07/23/2010:
You would think a 1996 lumina would oh be worth $430 total. I imagine there is a lot more to this story.
Skye on 07/23/2010:
General Motors repaid their bailout money already, and repaid it back 5 years early.
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Contracts/Money Owed
Posted by
ARLINGTON, TEXAS -- To begin, I purchased my vehicle in May 2003 through one creditor. Well, they went out of business, in which, another creditor took over the contract.
Finally, 2008 comes along and the loan matures, but for some odd reason, we still owe a balloon payment of $7,600 and change. That is half of what the car is worth. My wife and I called this company repeatedly, just asking for a history of payments. We got lies after lies, upon lies, on how they could not pull up this information. Matter of fact, they have been absolutely incredible rude to my wife and I.
My car went to collections, we asked if they could pull something about our payment history and what not, they couldn't. This company did not take charge, and resorted to sending back the collections. That is funny. Just recently, I got in contact with them, yes, they want their money; however, when I asked about why the collection company sent back the bill, the creditor said they could not get a hold of us. Funny isn't it? Sounds like a legal matter to me. Where's my attorney/lawyer?
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Venice09 on 07/27/2010:
Do you have a record of your payment history?
TAEK04 on 07/29/2010:
Yes, I have payment history from this creditor. Am trying to get all records from banks of payments made.
Venice09 on 07/29/2010:
If you have proof of all your payments, you should be able to get this straightened out even if it takes some time.
Nice picture!
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Americredit Repossession is Ridiculous
Posted by
TEXAS -- I had a vehicle with this stupid place and lost my job in Jan 2009. I tried making & keeping up with my payments as much as I could. Unfortunately, I couldn't keep up - called to make arrangements and they didn't want to help me and it's ridiculous. I got behind and all of a sudden one night they show up and take my vehicle (last Tuesday) and I call the next day because the lady that came to my house when the vehicle was taken said I could call these a - holes and make payment arrangements and get my vehicle back. I call the jerk offs and am told I need $2058 to get the vehicle back - that's for past due balance, legal fees, repo fees, & late fees and then they said I'd also have to pay separate storage fees when I pick the stupid POS up from the repo company. Today I get a letter from the dumba$$es that says this letter is to inform you we have repossessed your vehicle - really, you did? I hadn't noticed I didn't have anything to drive anymore!!!!!
Now they want $8721 dollars for a piece of junk vehicle that has tons of problems and wasn't even close to that amount when purchased. Well, here's to you AmeriCredit & I hope you come on here and read these - You can shove this van up your you know what!!! I am buying a vehicle from a private seller - someone who isn't going to rip me off as bad as you have - and then I'm filing bankruptcy so you can shove the delinquency (difference in selling price and balance) up your holes. You all suck and you are inhuman. I hope one day you are in the same predicament that you have placed many of us in and there's nobody there to help you!!!
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NickL11354 on 07/12/2010:
Do you expect sympathy?? You took a car loan (a SECURED) asset and didn't pay. They repo'd the vehicle as per the TERMS of the LOAN you signed
Oh and good luck with getting another car loan with a repo on your credit report. $8,000 is all its worth?? must have been one of those economy GM P.O.S's like the Aveo.
ejack053824 on 07/12/2010:
Business is business..it sucks you had your car repossessed but if you didn't have the money then what choice did they have? Read..read..read your finance contract!
Anonymous on 07/12/2010:
Ahhhhhhhh....so you were the one I saw on Operation Repo.
PepperElf on 07/12/2010:
wait... you're going to buy a car
and then file bankruptcy
just to "screw them over"
isn't that a bit like cutting off your nose to spite your face?
especially since a bankruptcy will be on your credit report at least 10 years
and it does NOT get you out of paying your bills
Instead, your non-exempt property is liquidated to pay the bills. which means you could lose a lot of your property.
PepperElf on 07/12/2010:
before you go bankrupt to spite them read that.
it's a list of what can be taken away to be sold to pay the debts
and that may help as well
Starlord on 07/13/2010:
I just read that KIA is one of the firms that probably won't be around after 2011. Kia and Hyundai are owned by the same people, and Kia's profits were seriously down the last quarter, and The folks at Hyundai feel the Kia is draining off sales that could be more meaningful. They figure why compete with yourself, so it looks like Kia will bite the big one. As far as the repossession, where did you get the idea that the finance company had some obligation to feel sorry for you and let you slide on your bill? They are in business to make money, and if they forgave everyone who gave them a sob story, they would not be in business long. I used to do some repo work back home, and it always amazed me that someone several payments behind on their note felt that the dealer or finance company should just let them pay when they were darn good and ready. Homey don't play dat game.
Helpful on 07/13/2010:
I can feel for anyone who loses their job. There's a lot of that in this economy. It doesn't mean you're not liable for the payments on the car, along with additional repossession fees. I can say, as others already have, it will become difficult to get a decent loan for any reasonable car with poor credit. Taking out bankruptcy isn't going to help either. And, if I'm not mistaken, bankruptcy doesn't simply discharge your debts as it used to. I'm going to have to check out that link that Pepper has left. (Thanks Pepper).
Further, I know we're to refrain from speaking about the way a letter is written, but come on. Are we supposed to show any form of sympathy for someone using vulgarities like this throughout the review? My guess is this review is one that will be deleted by the staff.
clutzycook on 07/13/2010:
I read this one last night (such a nice little bedtime story). I abstained from replying to it then because I had nothing nice to say to the OP. But you guys pretty much took the words right out of my mouth. I guess the moral of the story is pay your bills or don't come crying when they take your stuff away.
ejack053824 on 07/13/2010:
Agrees with Starlord regarding the repossession advice.
sgfsteelers on 07/22/2010:
That's funny, I had a loan with them & we got behind due to that little addage of life happens. I called them - before I was late & told them that I was going to be paying the next payment late. I continued to call them - in other words, they did not have to track me down, I stayed in contact with them. I got as many as 3 payments behind at a few different points, but they knew that they didn't have to worry 'cos I stayed in contact. See, most cars are repossessed because people stop talking to their creditors be it because they are embarrassed, overwhelmed, whatever & when you stop talking to them, they don't know you aren't a flight risk - with THEIR property. Keep in contact. Our phone # changed 'cos I went with a cheaper company - I called my creditors with the new #. Communication makes ALL the difference in the world!!!
Plus there were times when I paid $100 & then in 4 days paid another $100 because I got a check we didn't expect or something & instead of blowing it, I paid people. See, when my husband was in the Navy, we had a neighbor who got behind on everything. OK, it happens. They went to one of those debt places that for a fee pay your bills from one bulk payment you give them. Then as far as the cable co & everyone was concerned, they were current. Then they got their tax refund. Instead of seeing if they could pay everything off & save that fee, they went shopping. Popcorn popper, darken the windows on the car + new car stereo. Then $$ was gone & I hear her say, "You know, if we only pay half to the cable company this month, we can get the icecream maker..." She got mad when I asked "Isn't that part of how you guys got into trouble in the first place?"
sgfsteelers on 07/22/2010:
Oh & btw, I paid off the car & have the title...
Thanks for your help Americredit!!
Weedwhacked on 07/22/2010:
Everyone talks about terms and conditions of loans. Think about yourselves losing your jobs, what would you do?
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Auto Loan Goes Sour... Never Go With Americredit For A Loan!!!
Posted by
CHARLOTTE, NORTH CAROLINA -- I have had nothing but bad come of my loan with Americredit. I accepted a loan with them through my dealership in August of 2005. From the very beginning when I called them to verify that after some time I would be able to refinance at a lower interest rate with them, they have been nothing but deceitful liars. I paid on time for the first year and a half until I had trouble with identity theft and got behind in my payments. At that time, they did push 2 payments to the back of the loan and again when I went through cancer over a year ago, they pushed another 2 payments to the back end of the loan (that was fine, but it was at my suggestion, with a supervisor and not because they wanted to be nice).
After I transferred with my job from Maryland to Florida, I called Americredit to make a phone payment because my PC was not up and running and my mail had not been forwarded. When I got the customer service rep on the line, she was snitty with me and informed me I was 45 days over due. I advised that was the reason I was calling them to inform them of my new permanent address and to make a payment. I explained that I wouldn't have called if I were trying to run away and avoid paying the payments. I made the payment, but had to pay a ridiculous $10.00 fee which I believe Americredit is getting a kickback on from Western Union.
To make things worse, about a month ago I called to make a payment arrangement for my account. I already had 2 payment arrangements in their system and was told a 3rd could not be added until the first was paid. So on the 1st and 8th of June payments of $228.00 and $200.00 were taken out of my checking account as arranged. On Friday, June 20th I called to verify the third payment was not in the system and was told by customer service agent L. Armstrong that there was no automated payment in the system for June 23rd. She asked me what I wanted to do. I explained I was waiting for a check to clear my bank and I would make the payment through my home PC on Tuesday night. I forgot about the payment on Tuesday, as I threw my back out and went straight ot bed after work Tuesday evening. I went through the drive through at my bank yesterday and had a deficit to my account in the amount of -$68.00. I checked online with my bank and Americredit not only took out a payment after they told me there wasn't a pre-arrangement in the system, but they took an additional $90.00 out. I called Americredit and they see where I spoke with L Armstrong on Friday but refuse to refund my money. So now my storage fee check is going to bounce, I am going to have 2 additional NSF check fees with the bank, and I have no gas money ($80.00) to get me to work next week. I am going to the bank at lunch to sign paper work for an unauthorized withdrawal and see if the bank can help me in any way. Stay clear from Americredit, they are glorified loan sharks.
PS... they don't refinance their own loans. Just another lie I was told before I signed on the dotted line.
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spiderman2 on 06/26/2008:
The loan went sour because you didn't make timely payments no matter what the reason was for those, illness, moving, throwing your back out, etc.
Suusan B. on 06/26/2008:
This situation is entirely your fault as you didn't make the payments as agreed per the contract you signed.
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Posted by
A few weeks ago, I inquired at several banks and Credit Unions about re-financing an auto loan and was told by the Credit Union, they could possibly offer a 4.5% interest rate.
Knowing this was a great interest rate, I got all the information I needed to get from the bank and the appropriate applications I could fill out at home. Then, I arranged to be off at work yesterday so I could take all the time I needed at the bank.
On 5/12/08, I called AmeriCredit and spoke with a representative who was very nice. I explained what I needed (A copy of the front and back of the title and the payoff quote). I then asked what their procedure was and what other things I needed to get ready before I went to the bank.
The representative (whose name I was sure to write down) told me that all I had to do was call AmeriCredit when I was at the bank and assured me that they could and would fax all of that information at the time.
It was about 3:30pm when I got to the bank which closed at 6:00 pm. (I was ready to be there in the am but that's another story). I had everything I needed and had asked the AmeriCredit rep for his direct line which he willingly gave me.
About 5:15pm, we're done at the bank ready to close on the loan; we just needed to call AmeriCredit. We call to find there is no way for us to get in touch with the rep because it is an inbound call center so calls can't be transferred. However, another rep faxes us the information we requested. We get the payoff quote and an image copy of the front of the title.
We call back to request the back of the title and told that it takes 48 hours. So I speak with a supervisor to find that this is the case and that the original rep mislead me in the information I requested including the ability to contact him directly.
After speaking with the loan officer, she tells us that many times it does take 48 hours. This was the reason I had called on Monday, I could have that information faxed to me by Thursday at the latest.
The supervisor was understanding and apologetic but told me there was nothing she could do because their records room where the titles are kept is closed but would put a high priority on my account.
I did everything I could to have everything ready and by the time I got out of the bank (6:15pm), I was unable to have the loan closed.
Hopefully,the fax will be there Monday. There will be an update to this review.
On 5/21/08, I went to the bank to see if the loan officer had gotten the papers as promised from the loan company. She did not.
I then called AmeriCredit back, explained the situation and what was needed. After verifying the account number, I was placed on hold. It felt so long that I checked the time on my phone (over 11 minutes.) Remember, all I am asking for is a fax I was promised on Friday to be in 48 hours from then which should have actually been Tuesday afternoon (if you include business hours).
I decide to hang up and call up. I immediately ask to speak to a supervisor. After verifying my account # and address, I am transferred to someone that is not a supervisor. Then, as I am starting to repeat my request we are disconnected. Okay, that happens. I call back a third time and this time they ask for my phone # for verification. A little frustrated by now, I give them my full address as well and now ask to be transferred to a supervisor.
Ten minutes later, a supervisor picks up. The same one I spoke to on the previous Friday and she remembered me. She then proceeded to tell me that they faxed us the information the past Friday. I told her yes, they faxed the wrong information and she was supposed to fax the correct information. Now, all of sudden, they forgot to do this.
Of course, by this time I am quite frustrated and tell her that I need the information faxed today (5/21/08) and until she tells me that she herself is faxing the information, I am not going to hang up with her nor is she going to string me along for another 48 hours. She then puts me hold of all things to speak with her supervisor.
Another ten some odd minutes later, she comes back on the phone to tell me that they pulled up my records and they are now faxing it. It took 5 people and almost 40 minutes just to fax something that should have already been faxed!
Tomorrow will make 2 weeks since I first called the loan company and they told me I would immediately receive the information while I was at the bank. It has now been one week since I've been to the bank to be told it would take 48 hours. It's been an entire day since I called back and was told they would put urgent on my request and the fax has yet to be received. If it takes any longer, the payoff quote will change which will require other paperwork and more headache.
On the upside, the credit union has been wonderful through all of this and very helpful. I can't wait until my loan is through them. There have been several people on here who have commented that the credit union is the best way to go and so far they seem to be right.
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Anonymous on 05/21/2008:
There will be an update to this review on 5/22/08 in the afternoon and it will change from informative to complaint at that time.
Anonymous on 05/23/2008:
There is now an update to this review.
Anonymous on 05/23/2008:
Wow! You have the patience of a Saint! Outstanding review and an equally helpful follow-up. Voted VH.
Anonymous on 05/23/2008:
Thank you. I didn't feel very patient but it seems to have paid since my new loan is finalized and will cut over a year off of my payments!
Anonymous on 05/23/2008:
Give yerself a big pat on the back. You'll have much less consumer debt to service...a goal all of us need to strive for as the US economy tanks.
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Lack of respect for customer
Posted by
ARLINGTON, TEXAS -- On 12/31/2009, I received a 1099C from Americredit. This company reported the loss to the IRS for $13,376.89. I reported this amount to the IRS as an income in 2009 income tax Since then, I understood that the debt is already cancelled.
On 2/24/2011, I called the Americredt customer services and the operator said that the is debt paid off. I requested to get my car tittle without lien. She transfererd me the Tittle Department I spoke to an Americredit agent (name omitted. HeI requested the car tittle and he claimed that I still owing to Americredit the amount of money indicated above. He denied my requested again and again. After long discussion over the phone. He was asking for $14,000 Dollars , later he reduced the amount to 10,000 dollars and finally he spoke to his supervisor and we agreed and settle the debt for $ 7,700 dollars. I rushed and sent the 7,700 through western Union in order to obtain my car tittle. on 2/24/2011.
On 2/26/2011 Americredt agent said over the phone that he will no send the tittle until the entire amount be paid off. Americredt is lying to , fooling me and demonstrating a severe lack respect for its customer. The customer services agents are Owfull, no regard for customercustomer and abusive
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leet60 on 02/26/2011:
Take care with this "offer" they made to you. By reducing the amount owed to $7700.00 they are then required by the IRS to issue you another 1099 for the amount forgiven.
saj80 on 02/28/2011:
Americredit took a loss of $13,000 on you, and you are accusing them of lack of respect?
momsey on 02/28/2011:
Do you have anything in writing about the offer that was agreed upon?
Anonymous on 02/28/2011:
I am lost and confused.
Americredit reported the $13+k as a loss but you reported it as income..and this was for a car loan?
On 2/24, you called Americredit and were told the debt was paid off, but then ended up settling for $7700?
And finally, since you're trying to get a lien free title for your vehicle, am I to assume that the car has remained in your possession this entire time?
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Be Careful of leasing with Americredit
Posted by
WILLIAMSVILLE, NEW YORK -- I leased a 2008 Kia Sorento from Americredit and until the end of the lease I had no problems with the company. It was when I went to return it the fun began. They sent out a company called datascan to inspect the vehicle before I could take it back to the dealership. This company is horrible to deal with too but the real problem is Americredit. I received a statement via e-mail that they were not only expecting me to pay a $300n end of lease fee which I have no problem with but excessive wear and tear charges to the vehicle which is crazy!! I seriously dare anyone to return their vehicle without any scratches to the car. If you park in any parking lot ever you will eventually have scratches on the car. They want to charge me for an oil change which I still have like 1500 miles left to go before that is to occur. All bogus charges and normal wear and tear to the vehicle. The company just wants to punish consumers for not buying the car and take as much money as possible from them. I know that they are not going to do any of the "repairs" to the car because they told me the car is going to go to auction. Insane, I have called to complain to them and the BBB and even filed a complaint with Kia itself. Do not do business with this company ever they will take you for an arm and leg and whatever else they think they can get from you!!
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Skye on 01/17/2011:
Why did they want you to pay an extra $300.00? As for the wear and tear, you received the car scratch free, it's only fair you return it in the same condition you received it.
As for the oil change charge, what does your leasing agreement say about this?
melissajaf on 01/17/2011:
Lease agreement says car needs to be inspectable and in working order which it is. Try to go on any car lot and find a used car that doesn't have any scratches on it. Are you for real thinking that after 3 years of use that things out of your control causing scratches don't happen. If you buy a brand new car off the lot it has not been anywhere except the lot there for it should not have any scratched. You sound as crazy as Ameri-credit do you work for them?
madconsumer on 01/17/2011:
I have leased 4 vehicles. each time I have returned it, I had to clean it, and give it a good polishing. as far as wear and tear, make sure to get pictures before you turn iot in, and make sure to sign off on it when you give them the keys. I have heard some people say they did not sign off on the vehicle, and were charged huge fees like you.
very helpful.
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The Worst Ever
Posted by
ARLINGTON, TEXAS -- I don't know where to start, Got this gas guzzler in 2006 and it has been a burden on my back every since. Fell behind in payments in May of last year and after making a payment arrangement for a late payment a get visitor at home with the vehicle already on the tow truck, now mind you I live in MD and they used a collection agent which was in PA( a lot of sense that makes)who in turn repossessed the truck and towed it over 100 miles from where I live, OK after much debate and borrowing I came up with the $2272 to get the vehicle back got a ride to pick it up and now a little over a year later after losing my job and sinking every penny I'm making at a part time job into keeping the truck and paying the $616 a month note, they call me and say no more deferments( which by the way added another year onto the note)the loan is not worth them keeping it open. By now I find out after paying $616 a month for over 4 yrs I still owe well over $20,000 on this gas monster!! Are you serious? So these SOB's arrange to pick the truck up on Thanksgiving Day!!! are you kidding me?? So I talked them into picking it up on the Saturday after the holiday and what do they do? use the sleaziest towing company in Baltimore City as a towing agent, and sneak in on Friday morning and drag the vehicle away with my tags still on the truck, and then want to charge me $100 to get the tags off the truck!!! Not Happening!!! Dealing with these people has been a nightmare the last 4 yrs, there has to be something that we the consumer can do to protect ourselves. I know they are coming after me for the 23,480 that they say I owe now after repo. Any advice or help would be greatly appreciated I'm at with's end.
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Weedwhacked on 12/10/2010:
I also had to use Americredit for a car loan when my car broke down. Their rates are high but you need to remember that you agreed to their terms when you accepted their finance deal. They don't care about anything except getting paid.
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Posted by
Sis Bynum
801 CHERRY STREET, SUITE 3500, TEXAS -- This company financing practices must be stopped. So many people like myself were told by the dealer (Lincoln Mercury in my case) upon the purchase of a car that you sign for this 19% interest rate loan and after 1 year you can refinance. First big mistake!!! Buyers please be aware, that you will be stuck with that automobile until it is paid for. My payment is 430.00 a month and over $3,000.00 of the my money paid for one year was interest only. Only $1,700.00 went toward the principle. There are so many hidden charges with this company. I can't see this being fair business practices. Once this happens to the right person then there is no help for people like me that are being robed legally. God did not mean for us to be taken advantage of like this but we must learn from our mistakes. If I could suit the dealer that lead me in this direction I would, unfortunately they are out of business. I've have several automobiles financed and some with higher interest rates but never in a situation like this. I'm over $6,000 dollar upside down and this has never ever happen to me before.
There should not be anymore signed contracts until a representative from these companies make it clear what you are getting your self in before you sign the dotted line. Some of us would be in a better financial status if there were not financial institution like Americredit setting you up for the kill. I'm believing God for an answer. My credit is pretty good but I can't get anyone to touch this loan because of the value of the car and what the payoff is. Buyer Please BEWARE!!!
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Critical_level2 on 01/05/2010:
Why would you ever agree to a 19% interest loan? Sounds like either you had extremely bad credit, you weren't paying attention and signed whatever they gave you, or you didn't shop around for the best rate.
I would suggest calling around to a few banks and such to see if you could get a lower rate and refinance with them.
dreamcruz on 03/28/2010:
Is it possible to make double and triple payments in advance to cancel out the interest part of the loan? If so would you save money and pay the car off sooner? I believe I have a out on my auto loan with them being they are harassing me about the verification of employment. I plan on writing a full review tomorrow.
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Americredit LOST 2 years of payments and ruined my credit
Posted by
Have just found out today via a credit report that Americredit has failed to credit 2 years of payments to my vehicle and is attempting to re-possess it! We've had a nightmare of a time with this company: The initial payment was meant to be $19k, but they accidentally put it in for $22k....we noticed when reviewing the vehicle information that ours was not "the black special edition with the sunroof" and they promptly agreed to change the balance amount to $19k. Not a great start, but seemed like an easily remedied mistake. We set up automatic payments to be debited from our chequing account and for 4 months there were no problems...then all of a sudden, payments were deducted on random days, instead of the agreed upon date. Sometimes it would be right before payday, resulting in NSF fees we had to pay. So, after multiple phone calls and their assurance it wouldn't happen again, we decided we would Western Union the money to be sure it was going in at the correct time.
All we had to do was phone them with a confirmation # to show the payment was made. No problem, right? That's what we thought. A credit report my husband had run today shows that we owe $22k had haven't made a single payment in over 2 years. How is that even possible??? If a payment was a day late we got urgent telephone calls!! Yet there is no record of payment on our credit report AT ALL. As a result, the account has been flagged as "written off" and the Jeep is to be repossessed. Both my husband and I have taken huge hits on our credit scores, and will soon have no vehicle to show for it, let alone the 2 years of payments we faithfully made. Apparently, it takes a lot to have this status removed form your credit history, but we'll try; it appears it's been in this status for a year, but NOBODY TOLD US. The usually insistent and borderline harassing Americredit hasn't said ANYTHING about missing 2 years of payments!!!
We have all of our receipts, but if they insist they haven't made a mistake, we are out $14, 000, a Jeep and our credit, which will take us years to get back to a robust status. No matter how badly you need a vehicle AVOID AMERICREDIT!!!! Get a bike if you have to. This company has ruined the next 4 years of my life.
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madconsumer on 05/13/2009:
did you save your paymemnt receipts?
Anonymous on 05/13/2009:
or statements?
ejack053824 on 05/13/2009:
If you have receipts then they have no recourse.
Soaring Consumer on 05/13/2009:
Contact your state's Office of the Attorney General's Consumer Protection Division. Your need big help with this right away.
Anonymous on 05/13/2009:
"We have all of our receipts, but if they insist they haven't made a mistake, we are out $14, 000, a Jeep and our credit, which will take us years to get back to a robust status"
No - If you have all your receipts, you aren't out 14k, a Jeep, and your credit, it would be very easy to prove you made your payments and for them to correct their error. I feel like there is more to this story for some reason though.
BokiBean on 05/13/2009:
You don't just roll over when something like this happens. You can contact the credit report people who have this recorded and contest it, first of all.
I'm like just...something else is going on here.
Slimjim on 05/13/2009:
Wait, you're not specifically saying Americredit believes you owe them money. In fact, if they never called you, then they are not arguing you do at all. After all, it was your husband that discovered the erroneous credit report. It just seems the way they are reporting the account is in error. If they thought you weren't paying them, you would have sure seen your share of calls and that Jeep would be long gone by now. Sounds easily remedied if you just take the time to call them.
"but if they insist they haven't made a mistake"
Cross that bridge if you come to it.
BokiBean on 05/13/2009:
Good advice, Slim.
Britalian1981 on 05/13/2009:
We've contacted Americredit and every time we call we are told that the individual we are speaking to cannot pull up any information on the account because it has been written off. They always tell us their supervisor can access it, but they are currently unavailable and will phone us to discuss the account. So far, we have still heard nothing. We're getting worried, as we've read lots of reviews about Americredit online and are expecting a battle. We're contemplating legal recourse at this point.
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Unique design at reasonable cost…
The mission of the folks at Bonavita is to ensure that you enjoy the full flavor of your favorite hot beverage. The European designed and engineered kettles and coffeemakers are made with discerning coffee drinkers in mind.
Bonavita kettles are designed for controlled pouring and ease of use, whether brewing tea or manually brewing pour-over coffee. Bonavita Kettles are the only ones currently certified by the Specialty Coffee Association.
The elegant classic form of Bonavita Gooseneck Kettles and the simplicity of their Coffee Makers are a delightful addition to any home.
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The Bonavita Exceptional Brew 8 cup coffee maker with thermal carafe is a German engineered compact full-featured coffee brewing machine. A tinted clearly marked high-visibility water reservoir has a wide-opening lid for easy filling. The controls and water system are designed to meet the ideal coffee brewing standards of water temperature, contact time, and coffee grounds saturation. A unique shower head provides complete saturation of the coffee grounds and optimal flavor extraction from...
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Trouser Corduroy Pants: Irresistibly soft corduroy pants with classic trouser styling and a hint of stretch for a comfortable fit.
Buy 2 or more for only $34.99 each
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These pants are very comfortable and look great right out of the dryer. Lots of stretch so don't size up. I bought the black and fawn and find they go with many looks and can be dressed up or down. Look great with boots and the tall length is perfect for me.
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I have a hard time finding flattering pants. These are perfect! I'm online to buy more. They are so flattering, comfortable, casual (but nice enough to wear out). And... affordable. Awesome find.
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A Bartow County Sheriff's Office Deputy was dispatched to 138 Hamilton Crossing Road, Cartersville, after a man, using vulgar language toward a female, produced a handgun, threatening the complainant.
While crossing the parking lot of the park, the complainant reportedly overheard Prince Porter addressing a female in a vulgar way; a few small children were with the female. According to the report, the female asked Porter to stop using the language and leave. Porter did not comply, so the complainant also asked Porter to stop using the language and leave the property.
Porter went to his truck where he reportedly produced a handgun, a Glock 22. He turned and faced the complainant with the weapon in his right hand, then stuck the handgun in his waste band and asked him, "What do you wanna do now?"
Several witnesses the deputy spoke with confirmed the complainant's story.
As the deputy approached Porter's truck, he noticed a strong odor of marijuana coming from inside the vehicle. When the deputy asked Porter if there was marijuana in his vehicle, he said no, adding that he had smoked it all three to five days earlier. The deputy found a small amount of green leafy substance, suspected to be marijuana, under the driver's side seat.
Prince was arrested and charged with disorderly conduct, simple assault and possession of marijuana.
Missing man
On Friday, a deputy was dispatched to Old Rome Road, Kingston, in reference to a missing person.
The deputy met with the complainant who stated her son, Evan Earwood, had not been heard from in a month. The last she knew, he was living with his girlfriend in Aragon, but she did not know the girlfriend's name or address.
Earwood is 5 feet, 8 inches and 160 pounds. He has blonde hair, green eyes and a large tattoo of a skull on the right side of his neck.


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Victorian Dream: Onyx & Turquoise Earrings
Discs of polished black onyx display a small montage of a golden crescent moon set with a curve of natural turquoise. Enfolded within the crux of the moon is a small yellow gold star centered with a natural saltwater pearl (untested but assumed natural due to age and examination). Each of the pendant discs is suspended from a small half dome of onyx punctuated with a petite natural saltwater pearl. Fittings are of 14k and 9k yellow gold.
Date: Circa 1880.
Measurements: 1-5/16 inches (3.3 cm) in length including ear wire and 1-1/8 inches (2.9 cm) without by 3/4 of an inch (1.9 cm) at the widest. Weight of 6.6 grams (4.2 dwt) for the pair.
Hallmarks: "14k".
Condition: Excellent; later ear wires and disk behind top mount. A few tiny chips to back of top surmount of one earring.
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A sound sense of team spirit takes hold from the start, so make sure your little Lions fan is set for a lifetime full of unwavering team pride with the iHeart tee. It features scribbled graphics with a team logo for a fun way to show off their promising future as a dedicated fanatic!
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Fear is the mind killer. Fear is the little death that brings total obliteration.
"I must not fear. Fear is the mind-killer. Fear is the little-death that brings total obliteration. I will face my fear. I will allow my fear to pass over me and through me. And when it has gone I will turn my inner eye to see its path. And where the fear has gone there will be nothing. Only I will remain." (From Frank Herbert's Dune)
viết bởi CCDBM 05 Tháng một, 2004
Fear - a waste of your time caused by lack of familiarity with the experience.
If I'll walk up to this girl and ask her number, she will spit into my face.
viết bởi Ivan Staroverskyy 27 Tháng mười hai, 2004
What usually keeps us from doing really, really stupid things (like jumping into a pool of pirahnas for example).
Some people think fear is a bad thing.
Some fears are stupid.
Some people think fear is a bad thing.
Some fears are stupid.
The only thing to fear is fear itself.
Fear leads to anger. Anger leads to hate. Hate... leads to suffering.
My brother fears moths.
Fear leads to anger. Anger leads to hate. Hate... leads to suffering.
My brother fears moths.
viết bởi Cortana Dragoon 03 Tháng bảy, 2005
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viết bởi TheJizzman 11 Tháng ba, 2008


text:
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Full Description
We begin with our sturdy 18-ounce canvas, add quality roller buckles and then premium leather straps, sewn and reinforced with rivets. To our tough leather shoulder straps we added foam padding and covered the foam with soft glove leather. A clip-on sternum strap keeps shoulder straps from shifting, and an adjustable (and removable) hip belt further stabilizes the load and helps distribute the weight. The large side-release buckle closure on the waist belt makes getting in and out of the pack a breeze . In addition, we also added side straps for load compression and stabilization, side pockets, three slash pockets on the inside front and a deep inside pack pocket to hold a tarp or sleeping pad to cushion your back. Comes with a replaceable heavy-duty poly liner. Also available in Waxed Canvas. Made in USA.
Technical Specifications
Item No. S-315 Monarch #3
- Dimensions: 23H x 21W x 6D +pockets
- Capacity: 5,780 cubic inches : 94.71L
- Construction: 18 oz canvas, box pack design, double sewn side seams, leather reinforcements for all rivets and high stress seams, padded leather shoulder straps, includes M-215 poly liner, compatible with 20" basket
History of this Product
Borrowing its name from our old canoe pack trade name from the early to mid 1900's, Monarch Brand, the Monarch Pack exemplifies our never-ending commitment to both traditional pack building methods and technological innovation. Before the Monarch was developed and eventually added to the Duluth Pack product line it was quite common for our customers to regularly request custom modifications or add-ons to our packs. In response to this overwhelming demand, we decided to build a pack that offered all of the innovative features and creature comforts that many of our customers had come to expect over the years. We accomplished this goal with the Monarch Pack, but without compromising the traditional methods and materials we have always (for over 125 years!) felt make the highest quality and most durable packs in the world.
Craftsmanship and Guarantee
All of our handmade packs and bags are built to last in Duluth, Minnesota, USA. Our factory, where we have been building our products since 1911, is home to an extremely talented group of sewers, riveters, and leather craftspeople. Each piece of Duluth Pack gear is painstakingly built by hand with the attention and detail that only a true artisan can provide. We stand behind our work and are proud to offer a lifetime warranty covering all craftsmanship and hardware we use in the construction of our products. Craftsmanship includes our sewing and riveting. Hardware includes all zippers, buckles, D-rings, snaps, and any other parts utilized in the manufacturing of our bags. If at anytime during the life of your Duluth Pack product you have problems in these areas, return the product and it will be repaired free of charge. If the product cannot be repaired due to a defect in craftsmanship or faulty hardware, we will be happy to replace the item at Duluth Pack's discretion. While your Duluth Pack item is designed to provide you with many years of use, Duluth Pack is not responsible for common wear and tear or misuse of your product and is therefore not covered by our warranty. Of course, damages not covered under warranty can usually be repaired at a minimal cost. We sincerely value your patronage and will always do our absolute best to go the extra mile to ensure that you are happy with every Duluth Pack purchase.
Customer Reviews
8 Item(s)
- Best all-around pack
- Rating
I have owned this incredible pack for over 10 years. it has been an indispensable companion on over 20 canoe trips and the occasional camping trip. Despite miles and miles of wear, wind, rain, sun, mud, mosquitoes, sand and grit in the bottom of the canoe, it still holds up remarkably well with little more than softer leather and naturally faded canvas to show for it.
The benefits of this design are many,. The side pockets allow for convenient access to the necessary extras on wilderness trips, such as rain gear, sandals, an extra layer, hats, or rope. The padded shoulder straps, chest strap, and waistband allow comfortable portaging of heavier loads that sit conveniently on the hips. The map case clips and matching map case are a fun added bonus, and for those who navigate by map in a canoe, the case swings easily over a thwart while still attached to the pack for on-the-water reading.
I cannot recommend this pack enough! You will not be disappointed!
Posted on 7/18/2010 by John S. H.
- Outstanding
- Rating
Four trips this year already and this pack has it all. I purchased more than just a canoe pack; I purchased a heirloom. Thank you.
Posted on 7/15/2010 by jim
- Very Happy
- Rating
THis is the most durable pack you can find. I am an avid BWCA, doing about 2-3 week long trips a year, averaging about 20 miles a trip. I love this pack. When portaging, you do not have to worry about this pack ripping while laying it on the rocks. I use this pack to also hang my food up in at night. The straps are more durable than other brands. I would recommend this to anyone. I also plan to pass this pack down to my children when I retire the BWCA.
Posted on 7/15/2010 by dumber6
- Best of all Packs!
- Rating
I also own a Hudson Pack but love the side pockets on this pack. i strongly recommend owning this pack.
Posted on 7/15/2010 by c.carver
- story of my life
- Rating
I have wide shoulders, and this pack has a narrow shoulder strap base. Hopefully they can widen them for me.
Posted on 3/26/2010 by Adam
- Time Tested
- Rating
There's a reason why this basic design has been around well over 100 years. Size, durability, comfort are why. I have used various methods of packing on BWCA trips and this is the best. Have take my #4 Monarch on 6 canoe trips and other than a little sun fading (patina) it is like new. Worth the money for a family heirloom quality pack. I am certain mine will be handed down someday.
Posted on 1/8/2009 by Rich
- Monarch=Great Pack
- Rating
I am a third generation Duluth Pack owner, and the Monarch #4 is the newest addition to our arsenal. It is a great pack that can hold just about anything you might need for a long canoe trip.
The padded leather straps on the Monarch makes it a comfortable carry the very first time out. Standard straps have a break in period of a few trips...not so with the Monarch.
The one criticism I have of the Monarch #4 is its dimensions. When it is FULLY LOADED, the dimensions are such that it needs to be rotated as it is loaded into a Grumman 17ft standard. This makes it a little awkward to quickly load/unload, but the comfort and capacity make up for it.
P.S.- My younger brother (15 at the time) carried the Monarch #4 loaded with ~80lbs of food and cooking gear across a >300 rod portage. No complaining the whole way!
Posted on 11/28/2008 by Caleb
- Functional, Durable, Reparable
- Rating
Although I grew up canoeing in the Pacific North West, I now live in China and do research in the Himalaya and Central Asia. There are a few key reasons I chose the Monarch #4 as my standard expedition pack.
1. Durable. Modern plastic materials are not suitable to high alpine deserts and gritty rough conditions which abraid easily, neutralizing their advantage in water resistance. The heavy duty canvas of the Monarch is perfect for resisting the dirt and grit.
2. Repairable. Most packs made from various synthetic materials, especially ones designed for waterproofing, are rendered useless after a single tear or hole, since stitching further perforates the shell, and adhesive patches inevitably peel off. I can patch my monarch pack (for instance, after it fell off a jeep in the Kashmir) with a sewing kit and whatever heavy canvas I find locally, meaning it is as good as new in no time.
3. Functional. I carry a lot of different kinds of gear, so the extra pockets help for keeping it separate. The box construction also makes it easy to store large bulky clothing. In the Taklamakan desert temperatures can vary wildly requiring large amounts of clothing, which fit easily into the large section. It is just as easily filled with large waterproof stuff-sacks for wet environments. The heavy materials mean it effortlessly holds up even when heavily weighted down.
4. Comfort. The waist band is pretty useless, so you won't be able to carry the weight on your hips, but the straps are comfortable, and the back, with no frame, is very comfortable if you put something soft like a sweater lining the back.
Posted on 3/3/2008 by Austin Kramer
8 Item(s)


text:
More than 125 audience members filled the Apricot Valley Elementary School multipurpose room to see 14 acts featured in the finals.
Porras received a plaque for his performance of an original song, "See You On Sunday," which he sang and played on guitar.
Foundation chairwoman Nancy Anders said she was thrilled with the show — the foundation's first — which included singers and a dance group.
"It as just wonderful, "Anders said. "We have outstanding talent here in Patterson."
The money raised by the show will provide grants for teachers within Patterson Joint Unified School District, which will be awarded at the annual Student Art Show on May 14 at Walnut Grove School.
Grants will be awarded in four categories: performing arts, music, math and science.
The education foundation chooses new areas to donate to each year, and future donations will be support technology in the classroom and repairs to the high school auditorium.
Foundation member Richard Ricks was master of ceremonies for the evening. Judges were district Superintendent Phil Alfano, Mayor Luis Molina, local volunteer Juanzette Hunter and Sherri Fowler, a foundation member who retired from teaching in the Fremont School District.


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HOME New York Giants Gear New York Giants Mens New York Giants Mens Mens $40 to $60 (164 items) Product ID: 1050377
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You've been a die-hard New York Giants fan since you can remember! Even today, you reminisce about Bill Parcells, the Big Blue Wrecking Crew, and your team-colored Zubaz. Now is the time to bring back a little Giants nostalgia with this vintage Stacked crew sweatshirt from Mitchell & Ness. It features "New York Giants" in a vintage print with a team logo and team colors. Everyone will be aware of your fanaticism for the G-Men when you wear this sweatshirt!
- 80% Cotton/20% Polyester
- Fleece lining
- Imported
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- Officially licensed NFL product
- Rib-knit collar, cuffs & waist
- Screen print graphics
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Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.


text:
Almost one-fifth of American workers have bad jobs. They endure low wages, poor benefits, schedules that change with little—if any—notice, and few opportunities for advancement. The conventional wisdom is that many companies have no choice but to offer bad jobs—especially retailers whose business models entail competing on low prices. If retailers invest more in employees, customers will have to pay more, the assumption goes. Indeed, it is easy to conclude that employee-friendly Wegmans and the Container Store can offer great jobs only because their customers are willing to pay higher prices.
I have studied retail operations for more than 10 years and have found that the presumed trade-off between investment in employees and low prices can be broken. Highly successful retail chains—such as QuikTrip convenience stores, Mercadona and Trader Joe's supermarkets, and Costco wholesale clubs—not only invest heavily in store employees but also have the lowest prices in their industries, solid financial performance, and better customer service than their competitors. They have demonstrated that, even in the lowest-price segment of retail, bad jobs are not a cost-driven necessity but a choice. And they have proven that the key to breaking the trade-off is a combination of investment in the workforce and operational practices that benefit employees, customers, and the company. This article explains those practices.
Although my research has focused on retailing, I believe that the model these retailers have created can be applied in other service organizations where there are large fluctuations in customer traffic and employees perform both production and customer service tasks. These include hospitals, restaurants, banks, and hotels.
The United States needs better jobs, not just more jobs. Service businesses—including low-price retailers—that currently don't invest adequately in their workers could be part of the solution.Why Do Retailers Underinvest in Labor?
If investing in retail labor is such a good idea, as my research suggests, why isn't everybody doing it? The main reason is that labor is often a retailer's largest controllable expense and can account for more than 10% of revenues—a considerable level in an industry with low profit margins. In addition, many retailers see labor as a cost driver rather than a sales driver and therefore focus on minimizing its costs. Accordingly, they often evaluate store managers on whether they meet monthly (or weekly) targets for payroll as a percentage of sales. These managers don't have much control over sales (they almost never make decisions on merchandise mix, layout, price, or promotions), but they do have a fair amount of control over payroll. So when sales decrease, they immediately reduce staffing levels. The pressure to reduce payroll expenses is so high that store managers at several large chains, including Walmart, have been widely reported to have forced employees to work off-the-clock, paying them for fewer hours than they put in.
Moreover, the financial benefits of cutting employees are direct, immediate, and easy to measure, whereas the less-desirable effects are indirect, long term, and difficult to measure. Home Depot is a well-known example. When former GE executive Robert Nardelli became CEO, at the end of 2000, he cut staffing levels and increased the percentage of part-timers to reduce costs and boost profits. Those moves achieved both goals immediately, but they eventually caused Home Depot's excellent customer service—the company's claim to fame and, arguably, primary source of competitive advantage—to suffer, customer satisfaction to plunge, and same-store sales growth to drop and even go negative in some years.
What happened to Home Depot is common. Many store managers at various retailers told me that the pressure to meet short-term performance targets led them to reduce employees even though they knew that the workers who remained would cut corners and make mistakes. And they suspected that this could hurt sales and profits. Indeed, my research suggests that understaffing retail stores amounts to a missed opportunity: In my analysis of data from 1999 through 2002 from more than 250 stores of Borders, a major bookstore chain at the time, I found that a one-standard-deviation increase in labor levels at a store increased profit margins by 10% over the course of a year. Research by Marshall Fisher, Serguei Netessine, and Jayanth Krishnan supports my findings: Their analysis of 17 months of data from a large retailer shows that for every $1 increase in payroll, a store could see a $4 to $28 increase in monthly sales.
Of course the relationship between staffing levels and profitability is not linear: After a certain point, increasing the former will reduce the latter. But instead of responding to short-term pressures by automatically cutting labor, stores should strive to find the staffing level that maximizes profits on a sustained basis. In many cases, that will mean adding workers.


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More InDepth Information on This Condition
| Causes
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| Symptoms
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Social anxiety disorder is the intense fear of social situations.
People with social anxiety disorder:
Social anxiety may be:
Social anxiety disorder is much more severe than shyness. It can interfere with work, school, or other situations, as well as cause physical symptoms.
© 2011 Nucleus Medical Media, Inc.
The exact cause is unknown. Possible causes include:
Social Anxiety Disorder is most common in adolescence and early adulthood. Factors that increase your chance for social anxiety disorder include:
Symptoms may begin in any public situation such as:
Symptoms during these social interactions may include:
Your doctor will ask about your fears and symptoms. A physical exam may be done. You may be referred to a mental health therapist. The therapist may do a psychiatric evaluation.
Treatments may include:
cognitive-behavioral therapy
, the therapist may:
support group
may also be part of your treatment.
Your doctor may recommend:
Your doctor may try using other medicines to help control your symptoms. Examples include:
There are no guidelines for preventing social anxiety disorder. But early diagnosis and treatment can prevent complications, such as:
Last reviewed December 2013 by Michael Woods, MD
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- Actual record: 30-45
- Pythagorean record: 30-45
- Points scored per game: 111.6 (6th of 8)
- Points allowed per game: 115.0 (3rd of 8)
- Arena: Detroit Olympia
- Head coach: Red Rocha (13-21), Dick McGuire (17-24)
- Lost in first round to the Minneapolis Lakers, 2-0
- Points per game: Gene Shue (22.8)
- Rebounds per game: Walter Dukes (13.4)
- Assists per game: Dick McGuire (5.3)
Top player
Gene Shue
Shue averaged 22.8 points, a career high, 5.5 rebounds and 3.9 assists per game – landing him seventh in Most Valuable Player voting.
Teammate Walter Dukes (15.2 points and 13.4 rebounds per game) also had a fine season, finishing 11th in MVP voting.
Key transaction
Drafted Bailey Howell with No. 2 pick
Howell had a remarkable career at Mississippi State, and it appears to be the primary reason he made the Hall of Fame. His NBA career was pretty stellar too, evidenced by his career averages of 18.7 points and 9.9 rebounds per game in 12 NBA seasons, the first five with the Pistons.
He likely would've won Rookie of the Year if it weren't for a first-year center named in Philadelphia named Wilt Chamberlain.
Trend watch
First highly successful draft pick in nine years
Howell was the Pistons' first draft pick with at least 15 career win shares since George Yardley in 1950. Although win shares isn't a perfect stat, it provides a rough measure of a player's overall value. For perspective, Howell had 114.8 career win shares.
All that poor drafting was a big reason the Pistons struggled in this era.
Why this season ranks No. 46
As was often the case in their first 20 years in the NBA, the Pistons struggled so much, they fired their coach during the season. This time, that meant replacing Red Rocha with Dick McGuire.
The switch didn't make much difference, and the Pistons finished 30-45 to claim the No. 2 seed (of three playoff teams) in the lowly Western Division. They were swept by the third-seeded and 25-50 Minneapolis Lakers, who lost to the St. Louis Hawks, who lost to the Boston Celtics.
The transitive theory says the Pistons were the NBA's worst playoff team.
- 63. 1979-80 Detroit Pistons
- 62. 1993-94 Detroit Pistons
- 61. 1963-64 Detroit Pistons
- 60. 1965-66 Detroit Pistons
- 59. 2010-11 Detroit Pistons
- 58. 1980-81 Detroit Pistons
- 57. 1971-72 Detroit Pistons
- 56. 2009-10 Detroit Pistons
- 55. 1994-95 Detroit Pistons
- 54. 1948-49 Fort Wayne Pistons
- 53. 1964-65 Detroit Pistons
- 52. 1978-79 Detroit Pistons
- 51. 1966-67 Detroit Pistons
- 50. 1968-69 Detroit Pistons
- 49. 1969-70 Detroit Pistons
- 48. 1951-52 Fort Wayne Pistons
- 47. 1958-59 Detroit Pistons


text:
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For all your sewing machine needs, Stitch Craft Create stocks a range of Janome Sewing Machines as well as your favourite Elna and Singer models. You can buy from us with confidence - we are expert sewers so we understand what you're looking for in a sewing machine.
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Tim Jenison is considered the visionary force behind the desktop video revolution. Jenison founded NewTek in 1985, and led the way in the development of a series of highly successful products, including DigiView (the first video digitizer for a computer), DigiPaint, and the Amiga Video Toaster®.
Jenison learned about technology and electrical equipment from his father, who ran an electrical engineering firm. At an early age, he learned to play the piano, and his keyboard talents propelled him to leave college to join a rock band—where, of course, he continually worked on ways to improve the sound equipment.
Tim Jenison was one of the early enthusiasts for personal computers. By the late 1970s, he saw the computer as the integrating medium for his various passions: electronics, music, film and video. He decided that forming a company was the best way to fuel his endeavors to create sophisticated, yet affordable video software tools that everyone could use and enjoy.
Jim Plant joined NewTek in 2001. Before joining NewTek, Plant served as vice president of marketing communications at Geocast Network Systems. Prior to that, he was director of marketing and director of corporate communications at ReplayTV, Inc., a pioneering digital video recorder company. Plant is best known in the NewTek community as the founding editor-in-chief of Avid, the Amiga-Video Journal, and Video Toaster® User Magazine. As CEO of AMG Media, he oversaw the launch and development of Alpha Visual FX magazine, LightWave™ Pro and the Video Toaster User Expo. He began his career as the director of corporate and educational sales at HT Electronics, focusing on the sales of desktop video production and visual effects hardware and software.
Dr. Cross joined NewTek in 1998, as a senior software engineer. Since then, Cross was promoted to lead engineer on the Video ToasterT [2] project, and subsequently to director of video engineering and vice president of video software engineering. While at NewTek, he has managed the development of numerous projects, including Vidget™, VT[3]™, VT[4]™, LightWave® 8.0 and TriCaster™. He has also contributed technology to Aura Video Paint™. Prior to joining NewTek, he worked on high-end graphics software including GenesisVFX, a special effects program for use with NewTek's LightWave 3D® animation system. Cross earned a Bachelor of Science degree from The Victoria University of Manchester, a Doctorate of Philosophy from The University of York, and has published more than 20 technical papers in peer-reviewed scientific conferences and journals.
Stephen Doubleday joined NewTek in 1994. During his years at NewTek, he has directed financial planning and forecasting. He came to NewTek with 20 years of experience in accounting and finance. Previous, he was the executive vice president and chief operating officer for Plastic Sales & Manufacturing Co. in Kansas City, Missouri. From the time he joined Plastic Sales in 1977, Doubleday rose through the ranks, from controller, to vice president of finance, to vice president of operations, and finally to the position of executive vice president. Doubleday started his career with Arthur Andersen & Co., as an auditor. He received a Bachelor's degree in Business Administration from Rockhurst College in Kansas City, Missouri.
Chuck joined NewTek in March of 2008, after a successful tenure at Avid Technology. Chuck is responsible for driving and managing the strategic growth of NewTek's reseller channel, developing and enhancing the company's sales organization, and increasing revenue in its core video and 3D animation businesses. As vice president of sales and service operations at Avid Technology, Chuck managed a $280 million per year sales and professional services organization, including a direct sales force of more than 50, a service organization of more than 200, and a reseller network of more than 100 companies. He played an integral role in negotiating $10 million+ contracts with major broadcast networks, including NBC, CBS, ABC/Disney, and Turner Broadcasting. Chuck began his career in digital media at MicroTech Solutions, where he rose to the post of vice president of sales, before his departure in 2000.
Carter Holland is responsible for NewTek's global brand image and integrated marketing efforts. He drives the company's corporate identity, segment and product marketing, global demand generation, sales enablement, channel marketing, public relations, and worldwide market penetration to ensure strong customer growth and revenue performance. Prior to NewTek, Carter held a range of marketing leadership positions at Avid Technology, where from 2000 to 2007, he implemented organic and M&A growth strategies that doubled the company's revenues to just under $1 billion annually. As VP of corporate marketing from 2008 to 2011, he led the successful consolidation of the Pro Tools, M-Audio, Sibelius, Pinnacle and Avid brands into a new corporate identity for the company. Before Avid, Carter was a management consultant specializing in change management strategy, organizational research, and communication programs for Fortune 100 and 500 companies.He's contributed articles to Billboard Magazine, is an active member of the internationally acclaimed The CMO Club, currently serves on the Program Advisory Board for the National Association of Broadcasters, and is also a professional recording and performing musician.
Philip oversees the cultivation of strategic customer relationships across all markets and is the champion for NewTek corporate culture. Nelson also leads NewTek's social media efforts. Beginning as a sales rep in 1998, Nelson has been promoted several times; first as central sales manager, then east coast sales manager, director of worldwide sales, vice president of sales and video marketing, SVP of Artist & Media Relations and finally Chief Relationship Officer, where he is a driving force in increasing sales and market share. Nelson has overseen numerous product launches, including TriCaster™, VT[4]™ (Video Toaster) and SpeedEDIT™. At NewTek, Nelson has forged successful relationships with the NBA, NFL, Disney, ESPN, Fox Sports, and MTV. Prior to joining NewTek, Nelson was an entrepreneur, focusing in video production, post production and ISP. Previous clients included Phil Robertson's Duck Commander, Tim McGraw, San Antonio Spurs, The Smithereens, MTV, Coca-Cola and Georgia Pacific.
Joe is a seasoned IT executive, responsible for IT/MIS systems and software development. He also oversees the office software and telecom services used by the operations, accounting, marketing, sales and finance departments. In managing the design and development of NewTek's IT infrastructure, Joe relies on his proficiency in IT management, cost containment, planning and execution, governance, compliance, consolidations, content management, CRM/ERP, virtualization, data warehousing, storage, cloud computing, social networking, and professional services. Bringing his natural aptitude for business alignment, infrastructure design, program management, cross-disciplinary development, enterprise architecture, and risk management to the table, Joe has more than earned the respect of his peers.
Pat Grogan oversees day-to-day operations of the company including human resources, shipping and receiving, purchasing, facility management, and customer support services. Pat has been a key member of the NewTek organization since the company's relocation to San Antonio, in 1997. He joined NewTek as director of education and training, and has served in a number of roles at NewTek, including sales management and director of operations. Prior to joining NewTek, he spent 18 years at Washburn University in Topeka, as producer/director, media center director, and faculty member. He was active in video production, and produced and hosted many different TV programs for Washburn Cable Television. In conjunction with NewTek, he established the first NewTek Authorized Video Toaster® Training Center on the campus at Washburn University. Pat Grogan holds a Bachelors degree in Radio & Television Production from Washburn University, and a Masters in Educational Technology from Kansas State University.
Michael is responsible for identifying and implementing strategy that leverages the combined strength of NewTek's user-base and partner ecosystem, to build new revenue streams. Most recently, he led the marketing group as Chief Marketing Officer, overseeing all marketing efforts and executing NewTek's growth strategy. Before accepting the CMO position, he was the vice president of business development, forging partnerships with other technology leaders, like AMD, Apple, Intel, Microsoft, and others. He also created the OEM products division, and developed strategic vertical markets for NewTek product lines. Michael joined NewTek in 2002 and was previously Replay TV's vice president of business development for media, where he helped secure Series B financing, and forged Replay TV's strategic agreements and relationships. Prior to Replay TV, Michael was publishing director for the digital video properties of the Entertainment Technology Group at Miller Freeman Inc., and held positions as president of AMG Media and advertising director at Cahners. He is a graduate of the University of California at Los Angeles, and holds elections to Who's Who in California, and Who's Who in Advertising.
Rex oversees the development and implementation of all strategic and tactical decisions related to NewTek's content development. Rex initially worked as a consultant for NewTek, heavily involved in webpage and print design for the LightWave® Learning Edition website, and the LightWave® MacWorld presentation. He also produced many LightWave 3D® User Video profiles, including one for the motion picture 300, and the network television series 24. Rex was supervisor for the Live virtual set production for the launch of TriCaster STUDIO™. Prior to joining NewTek full-time, he was owner and chief producer of Desktop Images where he led his team in the production of hundreds of training videos and DVD titles for digital video and 3D animation software, including training videos for LightWave 3D®, and NewTek's Video Toaster®. Prior to Desktop Images, Rex was an owner and producer of RAVE Video Productions and has worked with celebrities like Charlton Heston, Steve Allen, Leonard Nimoy, and others. Rex Olson has a long record of experience in the television and music recording industry, and has worked on projects such as, the American Music Awards, the BBC Rock Hour, and other live album projects.
Rob Powers is the President of the NewTek LightWave Group and leads the LightWave 3D software development design. Powers was one of the original "Malibu Five" Avatar concept design team and the first CG artist to join James Cameron's team as Animation Technical Director for the film. Powers was a key team member during the development of the virtual workflows used by Cameron and created the industry's first Virtual Art Department (VAD) for "Avatar." Powers was also the Los Angeles based Virtual Art Department Supervisor for Steven Spielberg and Peter Jackson's animated film "Tintin" based on the world famous graphic novels by artist Hergé.
Powers is a graduate of the University of Southern California Cinema Production. After graduation, he continued his formal film school education at the American Film Institute. At the time, the digital side of filmmaking didn't exist and no schools offered programs in computer graphics (CG) animation. Self-taught in digital filmmaking methodologies, Powers is among the pioneers of the CG revolution. He has created animation and effects for a wide range of projects such as James Cameron's stereoscopic IMAX film "Aliens of the Deep," Disney's "Honey I Shrunk the Kids", and Jet Li's "The One." Powers was also the lead animator for the 3D-dancing baby and animated tongues and exploding heads that debuted on the Emmy-Award winning "Ally McBeal" television show in the mid-90s.


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Children's Health
Very Early Experiences May Stick in Memory
Dec. 22, 2011 -- The ability to remember our earliest childhood experiences may be in place sooner than experts thought, according to new research.
Some children who played a unique game when they were just 2 years old were able to remember it six years later, the researchers found.
Other researchers who have focused on early memories, however, have said that adults' earliest memories usually start from when they were about 3 1/2 years old.
"We've got relatively objective evidence that people can recall things that happened as young as age 2," says researcher Fiona Jack, PhD, a postdoctoral fellow at the University of Otago in New Zealand. "It's not common but [the study] shows it can happen."
The new findings may have implications for the theory of memory development. The new research may also help in legal settings, where it can be important to know if a memory is genuine.
The research is published in the journal Child Development.
Early Experiences & Early Memories Study
Jack and her colleagues report on 46 children who were ages 27 months to a little over 4 years. When they were ages 2 to 4, they all played a unique game called the Magic Shrinking Machine. The researchers watched them play.
The game includes a large black box designed just for the lab research. To make the machine work, the child turns it on by pulling a yellow lever, selecting a toy from an open suitcase, and putting it in a hole in the top of the box. Next, they turn a green handle on the side. When a bell rings, the child opens a red door in the front of the box to retrieve a smaller but identical version of the toy.
Jack and her colleagues interviewed the children and their parents six years later to figure out how well they recalled playing that game.
Only one-fifth of the kids recalled the event. Those who remembered included two children who were under age 3 when they played. About half the parents recalled the game.
Both the parents and the children who had the early memories gave the researchers very similar reports.
"We know they are recalling the event accurately," Jack tells WebMD. "We were there."
What may have helped some children remember? Talking about the game to the children soon after it occurred may have helped preserve the memory, the researchers say.
Bottom line? The basic capacity of remembering our experiences may be in place for some of us by age 2, Jack says. However, she says, this autobiographical memory is not fully developed at that age. That takes time.
Early Memories: Upsetting Events Even More Likely to Be Recalled?
Others who research early memories say the new finding fits in with their own recent conclusions. "These findings contribute to an emerging body of evidence showing that many children can reliably recall events many years later from when they had been only 2 and 3 years of age," says Carole Peterson, PhD, a professor of psychology and university research professor at Memorial University of Newfoundland in Canada.
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Friday night started as usual with a weekly wine tasting at Sequoia Cafe - this one featured a handful of Chenin Blancs to test our palates. These get-togethers are a nice way to meet a diverse crowd of businesspeople, diplomats, wine industry folks, students, teachers, journalists – you name it – and to kick off the weekend. Next one up features South African wines (email Frank at email@example.com for details).
On my way out of Sanlitun, I dropped into China Doll. I was one of three judges at last week's Beijing qualifier for 42 Below's Cocktail World Cup. While Johnson Ren won, and goes to New Zealand for the world championships, my favorite drink was by China Doll's Alan - vodka, Cointreau, Campari, and orange and cranberry juices, with a wedge of citrus across the top. Simple in appearance and well-balanced, it was the drink at the Cocktail World Cup that most made me think, "Hmm, I want one of those this weekend." (I'll have more on the Beijing qualifier soon.)
On my way home, I popped into The Rickshaw for "five minutes" (well, that was the plan, but some Wild Turkey and a Cuban cigar stopped me). Anyway, I need to issue a correction – The Rickshaw's Chad Lager does not look like a young Harry Morgan (see point 5, here). He looks much more like Bruce Willis (it's the eyes, I'm telling you, the eyes). Now that that's established, everyone get back to beer pong…
Note: It's the last day to vote! If you like this blog, please visit here, scroll to Beijing Boyce and click the "+" sign until it turns green.


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HOME Jacksonville Jaguars Gear Jacksonville Jaguars Kids Jacksonville Jaguars Kids Sweatshirts & Fleece Cold Weather Gear Sale Items (10 items) Product ID: 672711
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Let your young fan be part of the Jags gridiron action in this Playbook full zip hoodie by Reebok. Featuring a bold tackle twill team name across the chest, two front pockets and a contrast team-colored hood lining, this sweatshirt is the best strategy that's sure to defeat the cold temperature while in Jacksonville-spirited gear.
- 65% Cotton/35% Polyester
- Hood with contrasting team color lining
- Imported
- Midweight fleece suitable for moderate temperatures
- Officially licensed NFL product
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Joe Gibbs Racing star Denny Hamlin pilots the redesigned No. 11 FedEx Freight Toyota Camry for multiple races in 2013. Like its showroom counterpart, Hamlin's race car has a brand-new look with contoured sides, an updated bumper and a new nose and front grille. This die-cast captures Hamlin's new ride with incredible detail and craftsmanship.
- 1:24 Scale die-cast is 8 inches in length
- Limited edition collectible
- Officially licensed NASCAR product
- Platinum series car offers incredible detail
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Special event items are produced by manufacturers only after the outcome of a game or event. These are advanced sale items and will ship immediately after they are received in our warehouse.
Manufacturer direct items are shipped directly from the manufacturer. These items are not available for international or expedited shipping.
Customized items can be personalized with options such as your name, your favorite number, and/or designs. Some options may be limited by league rules.