text:
It's hard not to feel sorry for Rafiq Qureshi, accused this week by the News Of The World of trying to sell his daughter, Rubina Ali, for £200,000.
Qureshi was approached by the News Of The World's infamous fake sheikh who claimed he had seen Slumdog Millionaire, and wanted to lift Ali out of poverty by taking her to live in Dubai.
The article claimed the paper was acting on a tip-off from a "concerned friend and neighbour," insinuating that Qureshi was planning to sell the girl before they arrived.
It also claimed that Qureshi and his brother began haggling over Ali's price with the paper, stating that he was "unhappy" with the money he received for Slumdog.
But in an interview with the BBC Qureshi has claimed that the newspaper used a "dirty" undercover operation. "They tricked us into this fakery but we came out unscathed," he said.
Despite being put into a position of "great temptation" Qureshi said: "They played dirty with us, but we didn't accept any money from them. My daughter is not for sale."
[Source: BBC]
Would you sell a family member for the right price? Tell us below!
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text:
Two years ago I met a cute guy with nice teeth and blue shoes. Today I am lucky to call him my husband! I cannot wait to see him in a few months as a dad. We have had a very busy and exciting 730 days together!
"No one is ever gonna love you more than I do." - Band of Horses
Happy Spring Break! The Monday through Wednesday of Spring Break, Ryan and I drove down to San Antonio for a little "baby moon." We stayed at a great hotel right on the river walk. It's funny how when you are expecting you notice babies/strollers more than you usually would! We saw an unreal amount of babies everywhere we went, including dangerously close to falling into the river since there is no rail!!!
On Monday we spent the day walking the river and went to the top of the Tower of the Americas. I hadn't been up there since I was 8 or 9! On Tuesday we braved the Spring Break crowds and went to Sea World! Despite the thousands of families who had the same idea, it was fun (for me!). Tuesday night we had dinner and spent time with Tori (one of my best friends from college), her husband Patrick and their adorable boys, Thomas and Robert. That was a highlight of our trip since we hadn't seen them since our wedding! Wednesday morning we ate at LuLu's cafe, a place known for its 3 pound cinnamon roll that was featured on the Travel Channel. Ryan talked me out of ordering one, but now I'm thinking of trying to make my own! It was a good chance to get away and relax together before our lives change forever!!!
Speaking of change…we boarded Stella while we were away and had her groomed. Guess our idea of a "summer trim" and the groomer's idea of that were completely different, because now we have a naked dog! They must have taken off about 5 pounds of hair :( I'll try to post a picture of her new 'do soon!
As soon as we found out we were having a baby, I began dreaming about what I wanted the nursery to look like. Well…I actually started a baby/nursery pin-board on Pinterest as soon as we got married, but as soon as we knew we were for sure pregnant, that's when the real dreaming began! It was between robots and whales for a boy's nursery, but my slight obsession with whales ultimately won!
I have loved whales ever since the summer of 2009 when I went on a trip with my parents to the North East and, while in Bar Harbor, Maine, we went on a whale watching expedition. Seeing those huge whales in the wild is one of the coolest things I've ever experienced! For one of our first dates I convinced Ryan to take me to see the Disney Oceans movie and sit through hours of me squealing every time there was a whale…we were the only ones in the theatre, so he wasn't too embarrassed! Someday I hope to see whales on the west coast with Ryan and Carson (in Alaska or the Baja Peninsula!!!). Since that may be quite a few years away, for now I'll settle on surrounding Carson with whales as he plays and sleeps!
Ryan painted the nursery a light teal color back in December before we knew if we were having a he or she (what a good husband/daddy!) so the palette was already set. We then found the perfect whale bedding online (thanks mom and dad!). We found the perfect antique dresser to use as a changing table and are anxiously awaiting our crib to be delivered. My talented and crafty co-worker Pat is going to help me sew some things and I've been scouring etsy.com and Hobby Lobby for the perfect accessories. I even found a big ship wheel and a large antique letter "C" to hang on the wall. I can't wait to add all of the little details and make it special for Carson! And, of course, I am eager to get a bookshelf to fill with baby and children books. I hope Carson loves to read as much as I do!
Stay tuned for lots of pictures as we transform what was formally the stinky cat room/guest room into what the room was always meant to be- Carson's nursery!

subset: commoncrawl


text:
Corbett_ Wrote:
Dec 06, 2012 11:05 PM
It wasn't just the boomer -- it was also the so-called "greatest generation" They were the greatest generation of leeches ever. THEY started all these programs and they got the politicians to keep boosting their benefits. They are as much or more to blame as the boomers.


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British actor whose performances were noted for their sensitivity and sophistication.
Irons made his London stage debut in Godspell (1973) and appeared on Broadway in The Real Thing (1984, Tony Award). After his screen debut in Nijinsky (1980), Irons won notice for his performance in The French Lieutenant's Woman (1981) and became widely popular after appearing in the television series Brideshead Revisited (1981), which was based on the novel by Evelyn Waugh. Irons offered deliciously wicked turns in Dead Ringers (1988) and Reversal of Fortune (1990). In the latter film he starred as Claus von Bülow, a wealthy socialite convicted of the attempted murder of his wife. For his portrayal of the enigmatic von Bülow, Irons won an Academy Award.
Irons subsequently appeared in the sensual drama Damage (1992), the action movie Die Hard: With a Vengeance (1995), and as Humbert Humbert in Lolita (1997), a controversial adaptation of Vladimir Nabokov's novel. In the animated blockbuster The Lion King (1994), Irons provided the voice of a villainous lion. Irons's film roles in the early 21st century include supporting characters in Being Julia (2004), Kingdom of Heaven (2005), Appaloosa (2008), Margin Call (2011), and The Words (2012). He also acted in several made-for-television movies, notably Longitudes (2000) and The Colour of Magic (2008), and won an Emmy Award for his performance as the earl of Leicester in the miniseries Elizabeth I (2005). In the Showtime series The Borgias (201113), Irons starred as another Renaissance-era historical figure, Pope Alexander VI.


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to inform you that on the morning of February 15, 2014 there was an explosion at our warehouse/candle making building and it was completely destroyed. Thank God no one was there at the time, we are all safe. We would like to express our gratitude to all the Barrett fire fighters and emergency personnel, also our friends and neighbors who have been so kind.
Our store was unaffected by the explosion and remains open for business. In the weeks following the explosion we have been able to put together a small candle making operation
and IT LOOKS LIKE WE ARE BACK IN THE CANDLE MAKING BUSINESS!!!! We have made great progress, here is a list of Candle scents that are NOW available for RETAIL, WHOLESALE & FUND RAISING. We will be adding more scents in the weeks to come.
Once again thanks to everyone who continues to support and believe in us! Please feel free to call our store and we will answer any questions you may have.
20oz jar - $11.99 • 28oz jar - $15.99 • 64oz jar - $33.99 • 74oz jar - $36.99
Currently we are taking phone orders, If you would like to order candles,
Retail, Wholesale, or for your Fund Raising please contact us...
(570) 595.3014 | 1131 Rt. 390, Cresco, PA 18326


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Joico's new Vero K-Pak Crème Lightener reconstructs as it lightens hair up to eight levels with a creamy consistency for even root-to-ends application. K-Pak Crème Lightener is formulated with 19 amino acids and vitamin-rich ingredients that add softness and shine and reduce swelling. The fragrance-free formula can be applied on or off scalp. Three Age Defy Balancing Additives increase the colorist's options. Age Defy Gray Controller,
when added to Crème Lightener,* helps control depth of color results on graying hair. Age Defy Red Controller allows stylists to perfect any red or copper shade and Clear can be mixed with any Age Defy shade to reduce saturation.
For more information on any Joico brand, visit www.joico.com.
*Edit: In April MODERN, it stated that Joico Age Defy Controllers could be added to Crème Lightener (page 81). Age Defy Controllers deposit color and Crème Lightener lightens. The controllers and lightener are not combined.
Results can be controlled and fine-tuned with Joico's new Vero K-Pak Crème Lightener and Age Defy Balancing Additives.


text:
So you may have heard Adam Lambert performed at the American Music Awards on Sunday (the video has been removed from YouTube). And then Good Morning America canceled his appearance on the show scheduled for this morning. Why?
"Given Adam Lambert's controversial live performance on the AMAs, we were concerned about airing a similar concert so early in the morning," a spokesperson for the network said.
Because Adam Lambert doesn't understand the difference between 11 at night and hour I don't want to be awake in the morning? The performance was apparently "controversial" because of some (very theatrically) simulated oral sex and a same sex kiss. Hasn't Janet Jackson incorporated simulated oral sex into her performances for years? Didn't Madonna, Britney Spears, and Christina Aguilera already do that same sex kiss thing? Bondage-themed performances seem old hat at awards shows (except, hmm, they are usually headlined by female performers). Seriously, what's the big deal?
Oh right. Adam Lambert's male. And gay (not just for pretend!).
In patriarchal culture we assume a (straight cis) male gaze. The Madonna/Britney kiss is not processed as a threat to straight male supremacy because it dovetails nicely with acceptable straight male desire. Women are seen as objects of male desire, and therefore the culturally acceptable object of sexual desire, period. So a same sex kiss between women is fine – maybe a little "controversial," but in a good way. Especially if the women kissing are perceived as straight and cisgender – Britney may have kissed a girl and liked it, but it was understood mostly as an act. After all, the kiss is more about male desire than the desire of the women actually involved. I'm sure there was some outrage over the Madonna performance, but even Rush Limbaugh focused his criticism on how Al Qaeda, which he presents as representing an inferior culture, would react to the kiss. I remember most of the reaction being more like ZOMG MADONNA AND BRITNEY KISSING SO HOT. Some folks in the media called the kiss a publicity stunt, but this view recognizes that a same sex kiss between women gets positive attention. The move seemed to help Britney's career, and was read as Madonna recognizing her as the queen of pop's successor (seriously Madonna, you couldn't wait for Beyoncé?).
Adam Lambert's performance, on the other hand, is seen as a threat, enough to have an appearance canceled on him. If audiences admitted they thought Adam Lambert leading a guy around on a leash, getting fake oral sex from a guy, and kissing a guy was hot it would call into question male supremacy as reinforced through heterosexuality. The number positioned men as the objects of male sexual desire, and men objectifying men calls the most simplistic understanding of gender hierarchy into question. I mean, if straight male viewers didn't let homophobia dictate their reactions, if they actually let themselves enjoy the performance that might make them *gasp* gay! It would at least complicate their understanding of desire. Plus the glam-inspired performance had a male presenting but femmed up Lambert dominating strong, muscular men. And we could never accept femme as empowering, especially for a dude person!
The view of this performance as controversial in a bad or icky way is down to a very traditional form of sexism, in which women can be objectified for a mainstream audience but men can only be objects of desire if it's in a clearly heterosexual situation (and usually one that reinforces gender norms and power dynamics – Twilight, for obvious example). When folks react negatively to this performance it's clear something got to them. Hey male gaze, your arousal is showing.
Feministing Community blogger erin-tc points out that the double standard regarding male and female displays of homosexuality, which Adam Lambert called out during an interview on the CBS Morning Show today, was repeated in that show's coverage.


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For serious shredders who push it beyond the limits of sanity.
- Camber Core profile features a long, flat mid that transitions to anti-camber (slight rocker) toward the tip and tail w/ added camber for stability
- Slugger Core's ash hardwood is the same wood used in baseball bats for its light yet durable properties
- Carbon Quadrax laminate uses a 4-way fiberglass weave to handle high speeds, aggressive turns, and big-ass boosts
- Additional hardwood and carbon strips run along the edges for stability and snap
- Super-hard sintered supreme base material withstands rock and rail damage and slides fast in any condition
- DC's Structurn Base structure features a deep, low-friction pattern of uniform dimples to glide faster than ever before
Share your thoughts
What do you think of the
DC Devun Pro Snowboard
? Share a...
Nitro Rook or Devun Walsh or Never Summer...
Member since
Nitro Rook or Devun Walsh or Never Summer Evo>!>! Someone who has ridden some of these boards help me decide!!!
Member since
Look up espn's all black shredder review od the DC board... pretty compelling... ALl the other reviews were from sponsors, cant trust them... One note the board has a tiny camber.. i had the same question and went with the devun board...
Member since
Look up espn's all black shredder review od the DC board... pretty compelling... ALl the other reviews were from sponsors, cant trust them... One note the board has a tiny camber.. i had the same question and went with the devun board... http://espn.go.com/video/clip?id=5843859
Member since
Nitro makes some killer boards, and you probably can't go wrong with them. The Rook does have some of the sickest graphics around, its super fast, and has the Zero Camber tech. It does come in the card style graphics, or the epic Dennis McNett graphics ( I'd go with the RookXMcNett if you don't go with the Evo). If your looking for a park board that is gonna kill the rest of the mountain when you choose, definitely go with the Never Summer Evo, that board is a sick stick. Really solid board, the Rocker Camber make it super fun. You will not be disappointed. As for the DC stick, well I can't say one way or the other, but if your going to spend that kind of scrilla on a board, I would go with the Evo, or any of the other sticks from Never Summer. The Evo is super fun and responsive when you want it to be, all in all, it is going to help you progress into a hell of a snow pirate. You probably wouldn't need it with the Evo, but the 3 year warranty should help you decide.
DC Devun got a Good Wood for a reason
Rich Wheeler
Member since
I rode this board on and off, during the summer on Mt Hood. It was one of the biggest surprises of the summer, for me. In the past I had not been a huge fan of DC boards, but this one converted me. It had lots of pop.
At first some people might have issues for pressing, but I found the board broke in after a few days and was killing rails, as well. If you are looking for a noodle and never touch jumps over tranny finders and 20 footers, this board might be a little bit stiffer than you need. Still fun though.
I suggest this board for anybody that wants to ride one board for everything park. It was also decent cruising the hill.
I weigh around 160lbs and the 154 felt just right.
OMFG!! Are you serious?!
Member since
One word sums this board up. Awe. This is the cream of the crop.
Devun Walsh and DC team up for an amazing piece of art.
I just bought this board from my local shop for the approaching winter,
And it is amazing. I will have pictures of my complete set up soon. The
DC Park boots and the new Burton Cartels. The set up is absolutely perfect.
The mountain will feel you coming with this board.
If you can afford it. Buy it!!!
OMFG!! Is this board serious or what?!
Member since
I just bought this board for the new year of snow about to approach. And let me just say this... to all of you that can afford and need a new board this is the way to go.Without a doubt in my mind this winter is going to be the best yet.I'll have pictures of my complete set soon, the DC Park boots and the new Burton Cartels. I can feel the mountain waiting my approach.


text:
( last login Sep 24, 2012 ad #67278)
My description:
I am an optimistic, open minded, and down-to-earth vegan. I was vegetarian on and off my entire life before going vegan six years ago. I have moved around every two years since birth so I love discovering new things. I am currently in school for business management because I look forward to running my own new age store. I do create my own mixture of aromatherapy oils and sell them. I love my three rescues: 2 cats and a small dog! I enjoy cooking and throwing dinner parties. I always surprise my carnivorous family/friends with how realistic and tasty my dinners are! I have 25 tattoos but have been tattooed 30 times since 5 are cover up art pieces and I can't promise that I'm done with getting any more. I consider myself a naturist because I believe in the power of the universe and the joys that nature can induce on someone. I enjoy deep meditation and great conversation. Don't hesitate to message me hello :)
It'd be great to find a tall(because I'm tall for a lady) veggie man who loves animals, movies, music, has been on enough adventures to be sure of himself and what he desires in life, and someone family oriented.


text:
Allstate Northern Ireland
Text Size
120 Allstate employees joined forces with a total of 875 employees from 20 companies from across Northern Ireland to tackle their weight and change their lifestyles, supported by their employers under Business in the Community's £ for lb 12 week challenge.
Collectively, 6,645lbs (475 stone), the average weight of an Asian elephant or 36.5 average UK men was lost. The total number of weight inches lost was 1,390; 25 inches more than the height of the Albert Clock.
Celebrating this achievement at an event held in the Long Gallery at Stormont on Thursday 8th May, 100 participants heard from the Chief Medical Officer, Dr Michael McBride who told the audience that obesity continues to be one of the biggest health challenge for people in Northern Ireland. Highlighting the dangers, he explained that being overweight can reduce a person's life expectancy by nine years and with 2/3 of the population overweight and ¼ obese. We need to make changes now.
Tanya Kennedy, Workplace Director, Business in the Community explains:
"Using the workplace is the perfect setting to tackle the obesity issue in Northern Ireland. This challenge has demonstrated the physical, emotional and social benefits of colleagues supporting one another to change their lifestyles—for good. Having the support from both the public sector through the Public Health Agency and the private sector through Westfield Health was key to the success of this initiative."
Mary Black, Assistant Director for Health and Social Wellbeing Improvement at the PHA said:
'Maintaining a healthy weight can be difficult, with so many forces in society making it easy to put on the pounds. The £1 for 1Lb challenge is an excellent example of practical support to help behaviour change in the workplace. Each of the participants has shown great commitment to getting on the path to better health and wellbeing. Being overweight or obese can increase the risk of developing a range of health problems including heart disease, some cancers and type 2 diabetes. By making small changes in our daily lives, such as eating a healthier diet, improving our level of physical activity and watching alcohol intake, we can help maintain a healthy weight."
Lorraine Milne, Westfield Health's Northern Ireland Director, said:
"Westfield Health is delighted to have supported the £ for lb initiative aimed at improving employee health and wellbeing in the workplace. We congratulate the inspirational support of the 20 employers and all of the employees involved ably supported by Business in the Community & the Public Health Agency.
Well done to every employee who took part. It is particularly pleasing to see the combined efforts of companies and employees working together to benefit local charities. Westfield Health looks forward to continuing its support of this Business in the Community initiative."
The £ for lb challenge raised £15,049 for a range of Northern Ireland cancer and heart charities, which was kindly doubled by sponsors Westfield Health.
For more information on, visit www.bitcni.org.uk
Published: 29.9.2014
On Tuesday, Wednesday and Thursday of last week [week commencing 22 September 2014], Allstate NI employees across all three sites took part in the Environmental Committee's Project Green 2014.
Read More >
Published: 16.9.2014
Community groups, residents, politicians and local business people gathered today [Friday 12 September 2014] for the official opening of a new green space in East Belfast — the Bridge Community Garden.
Read More >
Published: 11.9.2014
Allstate Northern Ireland held a Global Leadership Conference at the William J Clinton Leadership Institute at Queen's Riddell Hall in June 2014.
Read More >
Published: 12.8.2014
Northern Ireland's largest IT company has been formally presented with the prestigious Queen's Award for Enterprise in the category of Sustainable Development.
Read More >
© 2014 Allstate Insurance Company
All Rights Reserved
Ashburn, VA


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The Albany Devils Season Ticket Holder Party will take place on Tuesday, April 8 between 6-8 pm at the Hilton Albany.
Join Us on October 8!
The Albany Devils invite all hockey fans to the Recovery Sports Grill on Tuesday, Oct. 8 for the "2013-14 Season Opening Faceoff Party." The event will take place at the Guilderland, NY location between 6:30 and 8:30 pm.


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If this year stays true to past form, the campaign will get nastier in the closing weeks, and without anyone's quite registering it, Rove will be right back in his element. He seems to understand—indeed, to count on—the media's unwillingness or inability, whether from squeamishness, laziness, or professional caution, ever to give a full estimate of him or his work. It is ultimately not just Rove's skill but his character that allows him to perform on an entirely different plane. Along with remarkable strategic skills, he has both an understanding of the media's unstated self-limitations and a willingness to fight in territory where conscience forbids most others.
The same-sex marriage issue is forcing Janice [Michael's mother] to choose between her beliefs and her son. Her church is gearing up for the November elections. "I have to agree with the president," Janice says. "We need to keep the family unit as intended." And yet her own family unit is not quite as intended. Twice divorced, Janice works two jobs, day and night. Her unmarried 23-year-old daughter has a baby.
Michael can't quite grasp the concept of same-sex marriage. He wonders about the domestic arrangements. Who would do all the stuff women do? "I can't really picture myself folding the laundry," he says.
Don't misunderstand. Dumb is not the same as wrong. Kerry may be right on some of the issues. But that's not the point. Elections are about votes, and Kerry's campaign seems calculated to actually repel them.
The first Presidential debates will be in Florida.Haven't these people suffered enough?
"It's a humorous statement that doesn't mean anything. You can't lie to God -- it's ridiculous," he told the Associated Press. "If it's an insult, I certainly didn't think it was; but if they are offended, then I certainly offer an apology."
America has become a stultocracy: government by morons, for morons.
... I've never seen a man in my life I wanted to marry. And I'm gonna be blunt and plain; if one ever looks at me like that, I'm gonna kill him and tell God he died.
Because of a software glitch in an FAA computer, a technician is required to reset the computer that controls the radios every 30 days — something that was not done.
The bill, H.R. 25, effectively would impose a 30 percent tax on goods and services while eliminating the federal income tax and payroll taxes that fund Social Security and Medicare...Economists at the Brookings Institution figured the tax rate would have to be closer to 60 percent over the next 10 years to fully replace all federal tax revenues including the estate tax.
"That was just instinct," Weeks said with a laugh. "Kind of like running from the cops, I guess you could say."
Ryan [Chris Evans, pictured above] is introduced as a shirtless hunk of beefcake who has just been dumped by his understandably fed-up girlfriend
Al Qaeda Attacked Us on 9/11. Maybe, maybe not. In late September 2001, Secretary of State Colin Powell (news - web sites) promised to "put out a paper...that will describe clearly the evidence that we have linking" Al Qaeda to 9/11. We're still waiting. Osama bin Laden (news - web sites), who claimed credit for the East Africa embassy bombings and other terrorist acts, denied involvement in 9/11. "I have already said that I am not involved in the 11 September attacks in the United States," bin Laden told a Pakistani newspaper. "As a Muslim, I try my best to avoid telling a lie."
1) Tax code reform2) Privatize Social Security3) Incentivize people to control their own health care4) God knows how many other things I support...
...leadership is "about making decisions you think are right and then standing behind those decisions."
He made no case about how best to tackle terrorism. He cited no history; he mentioned no recent events; he merely spoke of manly virtues of perseverance and strength and consistency that he believes are critical in wartime. So his endorsement of Bush was not substantive on the basis of policy so much as it was admiring in terms of character. ... And it's a strong case for the voter who doesn't agree with the Republicans' religious right domestic agenda or even their fiscal recklessness, but who still worries that Kerry simply doesn't have what it takes to lead this country in wartime.
One other noticeable thing: Arnold didn't mention God. His Republicanism is not, like Santorum's or Frist's, an extension of religious views. And so it is a civil open door, rather than a closed Bible meeting.


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October/November 2002
Two Steps Back
By Richard Anstruther
reversed two lower court decisions that seemed to point the way toward
runaway liability of employers for accidents resulting from workplace
alcohol consumption by their employees. While highly significant from a
legal perspective, however, the reversal of these two cases does not mean
that the duty of care owed by an employer to its employees -- or, for that
matter, by a host to his or her guests -- is materially changed.
Many readers will recall the Barrie,
Ontario office party case known as Hunt v. Sutton Group Incentive Realty
Inc. Some may also recall the less well known but, for employers,
potentially more worrisome case of John v. Flynn.
In John v. Flynn, an employer was held
liable at trial for injuries caused by an employee who came to work drunk
and continued drinking surreptitiously while at work. The man took
precautions to avoid detection of his drinking, such as wearing eye
protection so that co-workers could not see his eyes and avoiding
conversation with his supervisor so that his slurred speech and
alcohol-smelling breath would not be noticed. During several breaks, he
went to his vehicle in the parking lot to continue drinking. At the end of
his night shift, the employee went home and continued drinking. He then
left home with a bottle of beer, got into his car, drove onto the highway
and ended up in a motor vehicle accident.
The person injured by the drunk driver then
sued the man's employer, arguing that the employer should have done more
to detect and deal with the employee's alcohol problem at work.
The court initially found in the injured
driver's favour, but that decision was overturned and the employer
In the more widely publicized Hunt
decision, Linda Hunt, a secretary and receptionist with Sutton Group, a
realty firm, attended her employer's office Christmas party in December,
1994. The party featured an open bar with no one in charge of monitoring
alcohol consumption. Hunt drank an unknown amount of alcohol during the
party, cleaned up the premises at the end of the day and left with several
other people around 6:30 pm.
She and a group of others headed for a
local bar known as P.J.'s Pub. She drank some more at P.J.'s, eventually
leaving that establishment around 8 pm to head home to Wasaga Beach, about
40 kilometres away.
Freezing rain had been falling and the
roads were quite slippery. Hunt apparently lost control of her vehicle,
crossed into the opposing lane and collided with a pickup truck at about
9:45 pm. She received multiple serious injuries, including broken bones
and a closed head injury. She had to be removed from the wreckage by
paramedics who cut through the roof of her car. She spent months in a halo
vest to stabilize her neck injury and underwent years of physiotherapy.
Although she had left P.J.'s nearly two
hours earlier, she was just 12.2 kilometres away when she had the
accident. No explanation was ever given for what she was doing during the
intervening hour and three-quarters.
In fact, Hunt was left with no memory of
the accident or of any events in the week prior to the collision. She sued
her employer for negligence, arguing that the employer's "open
bar" office party was partly responsible for the accident. She did
not dispute that she herself bore most of the blame for the accident. Her
lawyer even suggested during the trial that 70 per cent of the blame could
be fairly allocated to Hunt. However, Hunt argued that Sutton Group was at
least partly responsible and therefore should be ordered to pay a share of
the damages.
The trial began before a jury and
eventually attracted a storm of publicity, much of it very unfavourable
toward Hunt. To some observers it appeared that Hunt exemplified North
America's victim culture in which every adverse turn of events is someone
else's fault.
Eventually, Hunt's lawyer asked the judge
to dismiss the jury on various grounds, including a contention that the
publicity had affected the jury's ability to decide the case impartially.
The judge agreed and dismissed the jury. He eventually ruled that Sutton
Group was partly liable and ordered it to pay damages. Sutton Group
On August 14, 2002 the Ontario Court of
Appeal ruled on that appeal, and reversed the decision of the trial judge.
While this might at first appear to be grounds for celebration among
employers, a closer examination of the reasons for the Court of Appeal's
decision does not by any means lead to the conclusion that employers are
free to host events at which alcohol is served with impunity.
Sutton Group had appealed on three grounds:
first, that the trial judge had erred in discharging the jury; second,
that Sutton Group was not negligent in any action that could be said to be
a "proximate cause" of the accident; and, third, that the trial
judge erred in allowing opinion evidence from two lay witnesses.
The third ground was quickly dismissed. On
the second ground, the Court of Appeal agreed with Sutton Group that the
judge had made a number of errors in his analysis of the causal connection
between what had happened at the Sutton Group office party and the
accident. However, the court declined to decide Sutton Group's
responsibility itself, ruling that the matter should be decided in a new
trial and that the evidence before it was not sufficient to allow the
court to make a ruling on the degree of Hunt's intoxication at the time
she left Sutton Group's office party. In the court's words:
"Even accepting the findings of
negligence made by the trial judge, as well as his findings of fact
relating to causation, and assuming that all outstanding factual issues
would be resolved in favour of (Ms. Hunt), I am not prepared to hold that
a trier of fact would be precluded from finding that the negligence of
(Sutton Group) was a proximate cause of the accident."
In other words, given the facts, it is
still possible to find Sutton Group liable at a new trial.
However, the court also ruled that the
judge had been wrong to dismiss the jury, and that the right to trial by
jury, even in civil proceeding, is a substantive right that should not
lightly be set aside.
The court also noted that the trial judge
in the Hunt case had relied on the earlier trial decision in John v.
Flynn, which decision was itself also later reversed by the Court of
What, then, is the "bottom line"
for employers from the Court of Appeal's decision in Hunt v. Sutton Group?
Clearly this was not a wholesale exoneration of Sutton Group's conduct.
Nothing in the Court of Appeal's decision would preclude Sutton Group from
being held liable in a new trial. At most, the decision indicates that the
all-important issue of causation needed to be tried again, this time
before a jury.
In the meantime, employers should continue
to think carefully about whether they really wish to host social events at
which alcohol is served. For those employers that do, it is essential to
think carefully about a program to monitor alcohol consumption at the
event, what measures will be necessary to deter attendees from driving
while intoxicated, the potential risk of liability and the extent to which
the employer may be insured for that risk.
Richard Anstruther is a lawyer with the
firm of Stringer Brisbin Humphrey in Toronto. He specializes in oh&s
and workers' compensation law and can be contacted through www.sbhlawyers.com.
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First Drive: 2015 Volkswagen GTI
It's not EmKay… it's Mark. As in Mark 7. I'm referring to the Volkswagen Golf GTI. More specifically, I'm talking about the all-new 2015 Volkswagen GTI. It's been a fan favorite since the early 80s, and even further back for those that live outside the United States. There's a reason for that, of course, since this is… »


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In a season with a new instructor and twice the normal workload, Team 1662 Raptor Force Engineering still came out on top.
The team at Jim Elliot Christian High School competed in FIRST Robotics, a national engineering competition, and took home two Industrial Design awards this spring during competitions at University of California, Davis and Silicon Valley.
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Britta-Chase, Inc.
Lakeville, MN 55044
Britta-Chase, Inc.
Britta-Chase Fine Carpentry. Helping you with all your project needs.
Britta-Chase, Inc., currently serves homeowners and business in and around Dakota county. With over 25 years of industry experience and expertise, we can assure our customers that your project will be completed on time and under budget. Please contact us today for a no cost or obligation estimate on your next project large or small. Thanks!
Services Offered
Additions & Remodeling
Disability Services
Garage & Garage Doors
Service Area
- Saint Paul
- Inver Grove Heights
- Burnsville
- Randolph
- Lakeville
- Farmington
- Vermillion
- Castle Rock
- Hastings
- Mendota
- Hampton
- Rosemount
- See All >
Areas of Expertise
- Deck or Porch - Build or Replace or Repair.
- New Windows - Multiple or Single.
- Tile: Ceramic and Porcelain - Install or Repair.
- Tile: Natural Stone (Granite, Marble, Slate, Quartz, etc) - Install or Repair.
Product Brands Used
- CertainTeed Corporation
- Timber Tech
- Trex
- UnderDeck
- Cedar Decks, Composite, Azek decking
- Alside
- Andersen Windows
- Jeld Wen Windows and Doors
- Kolbe Windows/Doors
- Pella Corporation
- Simonton Windows and Doors
- Therma Tru Doors
- Hunter Douglas
- See All >
Quick Facts
Business HoursMonday - Friday 8:00 am - 6:00 pm
(Please call to confirm)
- Small Jobs Welcome
- Materials
- Free Estimates
In Business Since: 1993
State Licensing
ScreeningHomeAdvisor Screened. View Details
Business Overview
How We Got Started
I chose to work in this industry because I love working with my hands. Starting with a pile nof lumber and @ the end of the day looking back @ what we've acomplished..
I love working in The Twin Cities because The People we get to know on each project..
We started in this industry in 1984.
We describe our business as Family owned and operated
If I won the Lottery what would I do?
I would still be doing construction work. I love what I do.
Britta-Chase, Inc.
612-852-825320634 Jutland Place
Lakeville, MN 55044


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Obamacare! Gay marriage! Legalizing drugs! I'm moving to Canada to get away from all of this shit!
Umm… guys, I think there's some stuff about Canada we need to talk about.
This might be the saddest thing I've ever seen.
im staying for the second 2. but ide wanna leave for obama care. i want to keep my guns. ( look it up)


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Catawba County Schools Board of Education plans to release information about the search for a new superintendent at its next meeting.
Board chairwoman Joyce Spencer told The O-N-E on Monday that the board is "hoping to have information" at its Feb. 28 meeting.
In December, the North Carolina School Board Association said CCS received 24 applications for the superintendent position, which is currently held by interim superintendent Glenn Barger.
However, Monday, Spencer said there is "no definitive number of finalists."
When will charges be filed in the death of Zahra Baker? That's the question that has been asked since the 10-year-old girl's death was confirmed in mid-November and one that continues to be posed now, four months after she was first reported missing.
The decision to pursue charges is up to 25th Prosecutorial District Attorney Jay Gaither. The DA's Office received the prosecution summary from Hickory Police Department in December, and the case file was turned over to Gaither's office Jan. 26.
Helen Little Hollar, born Jan. 30, 1924, passed away Sunday, Feb. 6, 2011. She was 87 years old. The Hollar family has entrusted funeral arrangements to Drum Funeral Home and Cremations in Conover.
Randy Scott Frye, 55, of Newton, passed away Sunday, Feb. 6, 2011, at Wake Forest University Baptist Medical Center in Winston-Salem. The family will receive friends Thursday from 1-1:45 p.m. at Burke Mortuary in Newton prior to the service.
A 14-year-old Mill Creek Middle School student and her parents are dead in what police think is a murder-suicide.
Catawba County Sheriff Coy Reid said deputies responded to 4785 Grassy Creek Road in Denver to find the bodies of Rick Wheeler, Angela Wheeler and their daughter Samantha inside the house.
Reid said it appears Rick shot Angela and Samantha, then shot himself. Deputies responded to the house after receiving a 9-1-1 hang-up call.
A vigil is planned for 7-8 p.m. Monday at Mt. Pleasant United Methodist Church in Sherrills Ford.
Laurels to the Catawba County Schools Board of Education for taking a serious look at its policy for non-faculty coaches at the system's schools.
While we find fault with the means through which CCS made public the proposals, deliberations and finally the revisions to the policy, the intent of the new protocol hits the right mark.
While the 2010 college football season is a quickly fading memory for most rational people (who won the BCS Championship again?), activity on the football front was far from silent this week.
That's right. You don't have to have the glorious traditions of a Saturday tailgate or a ball game complete with school colors, cheers and marching bands to get some folks whipped into a college football frenzy. Even smack-dab in the middle of winter, one topic still gets some fanatics hyped up for college football.
Signing day and the recruiting wars.
Hickory made it 3-for-3 on Senior Night.
The Red Tornadoes made nine 3-pointers, including four in the third quarter to maintain a double-digit lead on their way to a win over rival St. Stephens on Friday.
With the victory, Hickory secured its third win of the season over the Indians and at least a co-championship of the Northwestern 3A/4A.
When Gourd Lady Margaret Sparkman saw a man pull out his checkbook and start writing a check in her honor, she was thrilled.
She saw him start to write "2," and she thought he was going to donate $25.
That "2" was followed, not by the number five, but by four zeros. The mystery man gave Sparkman, 94, a $20,000 gift to help fund the community center in Conover named in Sparkman's honor.
One wall of a Newton home was damaged Thursday night from an overheated outlet.
Newton firefighters responded to a reported structure fire at 2255 Chatham St. on Thursday at 5:52 p.m.
Thirteen men from Newton Fire Department arrived on the scene to find no signs of fire coming from the inside of the house. They discovered an overheated outlet on the second level of the two-story structure, said Newton Fire Marshal Dale Coffey. It's unknown if the fire was in a bedroom.
These days, graduating high school, college or technical school is only half the battle.
Students in Catawba County schools must work harder than ever to give them an edge over the millions of other newly graduated students and displaced workers trying to enter the workforce.


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A lightweight bout has been added to the UFC on Fox 2 fight card with Evan Dunham meeting undefeated British fighter Paul Sass.
The fight was confirmed to MMAWeekly.com by sources close to the situation on Thursday. ESPN first reported the bout.
Not long ago, Dunham was maybe a fight away from a title shot, but after losing a controversial decision to former champion Sean Sherk, the Oregon native ran into a buzzsaw named Melvin Guillard.
Dunham got back to winning form, however, after back-to-back losses with a dominant performance over Shamar Bailey in September. He looks to make it two in a row when he takes on a submission specialist from England.
More MMA
With a perfect 12-0 record, Sass has looked nothing but impressive thus far in his young career.
Most recently, Sass submitted former "Ultimate Fighter" finalist Michael Johnson with a nasty heel hook to move his Octagon record to 7-0. Now he'll face the toughest test of his UFC career when he gets Evan Dunham at UFC on Fox 2.
The UFC on Fox 2 card will take place Jan. 28 at Chicago's United Center.
Follow @DamonMartin on Twitter or e-mail Damon Martin.
For more UFC News and UFC Rumors, follow MMAWeekly.com on Twitter and Facebook.
I really like this guy, and I was happy to see him climb the ladder. He's very talented and has been judged poorly. Even his win over T. Griffen, which was called a split decision, was one of the worst decisions ever made. Sure, he got the win, but when people see "split" they figure it could have gone either way, when Dunham absolutely rolled over Griffen in all three rounds.
I hope he can get back up with some wins, because I think he can be in the title discussion.
Plus who doesn't love the way he dances like a three year old after he wins.
gotta love Dunham, he brings it every time. Sass impressed the hell out of me seeing as he's like the only fighter from the UK to show any serious jiu-jitsu. diggin the match-up
© 2011 MMA Weekly All Rights Reserved.


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On this day in 1984, Mary Lou Retton wins gold
Before Gabby Douglas, there was Mary Lou. Here, the first American woman to win the Olympic gold medal in the all-around gymnastics competition stands shoulder-to-head with President Ronald Reagan.
Between Mary Lou Retton and Gabrielle "the Flying Squirrel" Douglas, there have been only two other American all-around champions; Douglas is the first to come home with both this and the team gold.
Photo from the Reagan Library: President Reagan posing with Mary Lou Retton and the 1984 U.S. Olympic team at the Century Plaza Hotel, Los Angeles, California. 8/13/84.
Source: reagan.utexas.edu
This summer marks the 116th anniversary of the modern Olympic games, which began on April 6, 1896 in Athens, Greece.
Ok, we really just wanted an excuse to post this photo of President Reagan and gold (and silver, and bronze) medal-winning gymnast Mary Lou Retton, taken with the 1984 U.S. Olympic team at the Century Plaza Hotel, Los Angeles, California.
Source: reagan.utexas.edu


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A Small Mistake
Published on - August 18th, 2009 (Modified on - October 30th, 2009) (by J.D. Roth)
Important note: Despite what the credit card company told me, and despite my own mis-information, this story below apparently does NOT relate to two-cycle billing. Instead, my frustration stems from the way some credit card companies handle their grace periods. Thanks for all of the commenters who pointed out the error. Here's a follow-up to this situation.
For almost a decade, I refused to use a personal credit card. I knew that I couldn't control myself, so rather than risk falling further into debt, the only plastic I carried was a debit card.
But as I gained control of my finances, I decided that carrying a credit card could be both convenient and profitable. I signed up a for a Capital One No-Hassle Cash Rewards card that gave me 1% cash back on all of my purchases. And I developed an iron-clad set of rules to make sure I never lost control of my spending again:
- I pay my bill in full every month. I never carry a balance.
- I do not use the credit card to pay for frivolous stuff. No comic books, no videogames, no junk food. If it's an indulgence, I pay for it with cash.
- If I do not already have the cash for the item I am purchasing, I do not buy it on credit. If I could not pay with cash, I do not pay with plastic. When I first returned to the world of credit, I even had a "buffer account" in Quicken that I used to immediately pull money from my checking account and prepare for the credit card bill. I don't need that anymore, but I still follow this rule.
By using these three rules, I've been able to steer clear of credit problems for the past two years. I pay for whatever I can with my credit card, which earns me 1% cash back. So far, I have accumulated $489.32 in cash rewards. This can all be used for our trip to France next year:
The $25 Typo
But in order for credit cards to be tools of convenience rather than links in the chains of slavery, you must use them wisely and play by the rules. And you can't make stupid mistakes.
At the beginning of every month, I pay my credit card bill online. I login to the Capital One website and I make a transfer from my credit union account in the full amount of my "new balance". Because I pay my account in full, I never pay a finance charge.
But when I was doing my finances last month, I couldn't get my credit card balance to work out right. I entered and re-entered my transactions, and then compared them with the transactions listed on the bank's website, and things just wouldn't add up. The bank showed that I owed an additional $12.22. I couldn't find a receipt for a $12.22 charge.
In the end, I gave up and created a dummy transaction for $12.22. I hated to do it, but it was just a small thing, and I figured I'd find the problem eventually.
Last week, I did this month's finances. Again the credit card balances didn't match. This time the bank said I owed $12.42 more than I thought I did. I went over the ledgers repeatedly and couldn't make things work. Finally I decided to download the actual PDF statements to see if I could spot the problem. I found it immediately. Can you? Here's my June statement:
Oops. Call me Mr. Butterfingers.
Apparently when I paid my bill in early June, I didn't type $2622.11 into the payment box. I typed $2522.11. As a result, I carried a $100 balance over to the next month. Worse, I triggered a finance charge on the entire amount. But what about the next month's statement? Look at this:
At the beginning of July, I paid the full amount the credit card company said I owed them, including the finance charge. (Though I didn't realize I was paying a finance charge at the time, remember.) But even though I paid the full amount, I was still assessed a finance charge on the next statement. Why? I was baffled.
Hello, Two-Cycle Billing!
After I whined about this on Twitter, several astute readers gave me the same advice I would give anyone else: Call the credit card company and ask them what's up. Ask them to waive the fee. So I did.
Because I get nervous about this sort of thing (seriously), I wrote out what I wanted to say in advance. That helped a little. Here's how the conversation went:
J.D.: Hi. I'm confused and hope you can explain something for me. On my bill dated June 27th, I had a balance of $2062.34. I paid the full balance of $2062.34. But on my July 27th bill, still received a $12.42 finance charge. Can you explain this for me?
Capital One: Please hold a moment, sir, while I verify the information. Yes, I see that you paid $2062.34 and now owe $1312.12. If you pay the full $1312.12, you will not receive a finance charge on your next statement. Your finance charge of $12.42 was based on the average daily balance over two billing cycles [blah blah blah]…
J.D.: So this is two-cycle billing?
Capital One: Yes, sir, it is.
J.D.: (cringing, because I hate this sort of thing) Would it be possible to waive this $12.42 finance charge? As you can see, I use the card frequently and always pay my bills on time.
Capital One: No sir, I'm afraid that is not possible.
J.D.: Okaythanksbye.
So now I have first-hand experience with two-cycle billing. There's a reason it's called two-cycle billing. You're charged interest over two billing cycles. The month after you pay off your credit card balance, you still owe a finance charge. You're only free of finance charges after you've paid the balance in full for two consecutive months. (For more info, check out JLP's article on how two-cycle billing works.)
Lessons Learned
Depending on who you are, I suppose there are a lot of lessons you could take away from this. You might decide credit card companies are evil and that you don't want to carry credit cards at all. You might decide that it pays to be more assertive when dealing with bank reps on the phone. (I'll bet Ramit would have managed to get that $12.42 finance charge waived!)
But the lesson I learned is this: I need to be more careful. I need to double-check my statements, and I need to double-check the numbers I'm entering on the computer.
In the end, my carelessness cost me $24.64. That's not the end of the world, of course, but it is roughly the cost of another comic book compilation. I think I'd rather have the comic books than the finance charge.
Note: As mentioned in the intro, this isn't actually two-cycle billing, despite what the customer service rep told me. Here's a follow-up on this situation.
Disclaimer: This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author's alone, and have not been reviewed, approved or otherwise endorsed by any such company.
This article is about Basics, Credit Cards, Real-Life
J.D., I wouldn't beat yourself up about this, its a $25 mistake and I'm sure you won't make that mistake again.
We are not a credit card family, although we do use credit for travel and for business expenses (we have $1400 sitting on a 0% Home Depot card related to one of investment properties), and I don't think credit is evil but I would never go back to using credit for my day to day spending. Why? because I spent twice as much (even though I paid it off in full, blah, blah, blah) as I do now using debit. So since I know you use a spending plan (like we do) I wonder how you keep your day to day credit spending under control.
I could say credit card companies are evil and I will never use one again. But then … how would I pay for that much needed vacation to the Bahamas that I have been saving and planning for? Last time I checked ( a month ago ) no airline or travel agent takes a debit card for payment and paying with cash or a check is sure to raise the suspicion of one or two federal agencies.
Ramit's gonna slap you around next time he sees you
JD, I use a Chase credit card for the same reason you do, and their website has an option to "pay statement balance", which keeps me from having typos. I also download all my transactions into Quicken to categorize them so if there's any funny business like upcharges I'll see them.
Sam is right – stop beating yourself up. Consider the $25.00 the cost of an "education" on two-cycle billing and know that you have learned your lesson well.
I have two credit cards. The first one was issued by my bank (BofA) and I have it set to automatically withdraw the whole balance a day or two before the bill is due, so all I have to do is make sure I have enough funds in my checking account to cover the bill.
My second card is from another bank and offers cashback rewards. My online banking won't allow me to set up an automatic payment to pay the whole balance, so I have to do it myself every month. But it does give me options: Pay the minimum payment, pay the whole balance, or pay [fill in amount].
I've managed to avoid typos using these systems.
You should consider signing up for your card's autopay program if they offer it. All of my credit cards are enrolled in autopay, which means that on the day of the due date, my balace is automatically paid in full. All done by computers, so there's no risk of typos or late payments.
Of course, you still have to keep an eye on the balance to make sure your bank account will be able to handle the auto-withdrawl, but if your spending is under your control, then it shouldn't be a problem.
don't worry…soon the two cycle billing will be a thing of the past.
I don't know if this is possible in the states, but here in the UK, we have a thing called Direct Debit. It is a way of allowing creditors to collect money directly from your bank account. Obviously, you have to be careful (do you trust the company? will you always have enough money in the account to avoid going overdrawn?), but there are some safeguards built in, and it's generally a pretty safe thing if you're dealing with a reputable company. Anyway, I have mine set up to pay off my credit card bills in full every month, so that I avoid making any mistakes like that.
You still have to make the effort to check the accounts for fraudulent activity of course, but that's easy for me, as most months I don't use the cards at all – I keep them for large purchases where I want the consumer protection. Otherwise I use cash or debit.
I would've been ready to cancel the card. If you don't like two cycle billing, cancel your account and go somewhere else with single cycle billing. I know it might be bad for your credit score, but there are worse things in life, and if you said you were going to cancel (and have been ready to) I bet you would've got that fee waived.
SF_UK: Yes, this is common in the US as well.
So, JD: if you don't carry a balance, why don't you do that (have your credit card balance auto-debited in full each month)? Ramit would beat you up more over not having that bit of automation in place than failing to negotiate your way out of the finance charge, I think.
I would agree with Adam, I've threatened cancellation just because they wouldn't waive a fee. Remember, you're granting them your business and not the other way around. Even if you're paying on time each and every month, they get to charge all of the stores out there little chunks of dough on each transaction.
It is commendable to call and ask for reductions on just about anything, a lot of people won't do that and I think you should encourage more readers to do so. I once went $300 over on my cell phone bill, a true fluke, due to the fact that my real estate agent was calling a ton when I bought my first house and wasn't on the same plan as me (free in network calling and such). I called them up said "Look, I've been a customer for 5 years, always paid on time, can you help me out?" And they did. All of the charges were wiped out. They lose $300 but gain the respect of a customer that always pays his bills.
I would actually consider calling back and trying again. If you talked with the first person you spoke to, you DID NOT speak with a supervisor. Most of these credit card companies don't keep track of the fact that you asked for a fee to be waved (like they don't write it in their notes when you ask). I have on many occasions been denied a fee removal only to hang up and call again – ask for a supervisor – and get the fees removed.
Especially since you are such a good customer, I feel like a supervisor would remove the fees. On your downtime give it another shot (please!). I want to read tomorrow that you managed to get those fees removed!!!!!!!!!
Another lesson you can learn is that if you do make this sort of mistake and have two-cycle billing, don't make any more charges on your card until the end of the next cycle and pay off the entire amount you have charged rather than just the amount you're being billed in order to reduce the interest you are charged.
Concerning the evilness of credit card companies, I know my rewards card comes with lots of evil policies like this one. I vow never to let them hit me with fees, though I sometimes do. (After the second time, I told myself that if they get me a third time, I'll cancel.) I'm afraid I would never, ever trust them to automatically deduct anything from my bank.
(I also hate begging strangers for favors, like to explain something or waive a fee.)
Although automatic balance payments are more comfortable, they might make you less likely to check carefully your monthly statements (and spot problems). That's why I avoid them (yeah, I'm a bit paranoid).
What I do to avoid the kind of problem you ran into is to pay a bit more than what I owe, say 1,000 if my balance is 984. It's a small fee to pay for security and peace of mind and it's going as credit on your next balance anyway.
@ J.D. – if I were you, I would call back and ask to speak to a supervisor, asking them to waive one of the $12.42 charges because you didn't know about two cycle billing. (heck, that's a new one to me). I realize that $12.42 isn't much, but it's the principle of the thing, and I know that USAA would waive one of those fees, this first time, if I called them. (don't know if they do two cycle billing though). Besides, $12.42 will get you and your wife a nice lunch somewhere.
@ Sam – From my experience of doing the cash/envelope system, I know for a fact that I was spending twice as much, and more, using my credit card before, for living expenses, even though I maintained a 0 balance, so I don't do that anymore.
@ Khurt — I booked two trips with American Airlines last week and they do accept debit cards. It's worth a call to your airlines to see if they've changed their policies. (Dave Ramsey has gone on record saying that he travels all over the country, numerous times for speaking engagements and puts it all on his debit card).
Or you can go for a card that will debit your checking account (or whatever account) automatically on the due date for the full balance. I know not all banks (in the US) will do this (I guess because it makes it too easy to not screw up like you did) but its nice to not every worry about a CC payment.
That's the reason why I don't use CapitalOne credit cards anymore. Not because of two cycle billing, but crappy customer service.
Couple years back, I've accidentally paid $20 less than my due amount on my cash rebate american express card. I've noticed mistake immediatly, but was lazy to send second payment and thought I have credit (for something I returned) will cover this 20. nope, it didn't.
When I received first statement I accepted finance charge, but when second statement arrived, I was surprised. Called customer service and rep explained me everything and offered to refund finance fees. I didn't ask. I refused – it was a way to punish myself for laziness.
Now I pay everything on time and in full. Unless there is 0% for some period on cards like Home Depot or Lowes.
I've found that negotiating with credit card companies (and most other big businesses) is like that scene from Austin Powers where they capture the guy and interrogate him, finding that all they have to do to get the answer they're looking for is ask 3 times. The first two times the captive is rude and refuses to answer, but just can't stand to be asked the same question 3 times so always answers on the third try.
It's counterintuitive, but it actually does work many times.
I wouldn't try to get the fee waived. They didn't do anything wrong. You made a mistake, and mistakes have consequences – a fundamental lesson of life. Yes, the credit card companies get to make the rules, and the rules are full of tricks and loopholes, but still – you're playing THEIR game, and they got you this one time.
How would you feel if they called you up and said, "Mr. Roth, we've been serving you for many years now, and I know you've accumulated $489.32 in cash rewards, but we were expecting to make a lot more interest off you. Would you mind terribly if we just revoked those cash rewards, this one time?"
Look at it as a lesson. If it really burns you that much, you can just quit playing their game. But if you choose to keep playing the game, you have to accept that every now and then, they might get a "point" on you.
Besides, it gave you great fodder for a blog post, which I'm guessing has already generated far more than $25 in adsense revenue for you.
I agree with Sam, in the sense that you'll never make that mistake again! In the grand scheme of things, $25 to learn a lesson like that could be considered worth it. On the other hand, I'd rather have some manga than a finance charge too!
EDIT: the images in this post are not in the RSS feed today!
What a timely post. The first part of the new credit card legislation goes into effect Thursday. For those of us who still use credit cards – here is where you go to find out what you need to know: http://www.consumer-action.org/alerts/articles/new_credit_card_provisions/
wow, I hadn't heard of two-cycle billing. I wonder if this is just something in the states or if it is in Canada too.
"At the beginning of every month, I pay my credit card bill online. I login to the Capital One website and I make a transfer from my credit union account in the full amount of my "new balance"."
J.D., it sounds like you're paying through Capital One's site. When you log in to Capital One to pay your credit card, there should be four radio buttons: the minimum amount, the statement balance, the current balance, or another amount that you type in. Always choose the "statement balance" radio button and you will always pay your statement in full, no typing required.
Call back again. It doesn't matter whether it was your mistake or not. Say "I know it was my mistake, but I would like the finance charges waived as a courtesy." If they refuse, tell them that you are considering putting their card in a drawer and using another card.
You need to have leverage though. Pay your card to $0 and quit using it. If they quit making money on the card, they will have an incentive to deal. So pay the full balance to $0 today, and call them up asking for the fees to be waived. If you give them the right incentive and are persistent, I suspect you will succeed.
I have never failed to get a finance charge reversed or shrunk.
I don't know that it's worth calling back. But in the future when dealing with random companies, the technique that works best for me is to politely and flatly STATE the following:
"I'm going to need you to waive that interest/fee/installation charge/one-time cost."
And then just remain silent…
Even if they can't, they will often get uncomfortable and offer something else (we can't do that, but we can give you a loyalty discount off your next two bills).
Don't ask, just tell them what you need.
J.D. – You should drop the credit cards. Profiting from their practices, e.g. getting cash back, only encourages them to perpetuate their unethical practices and exploitation they use to maintain profitability. Remember credit card companies get paid twice, once by the retailer and then again by the consumer. The money you get in rewards is a lure to get you to market the cards to people who are less responsible than yourself. Do you really want to be a part of that industry? If you can pay for things with cash, then do so. By deferring non-essential expenses by 30 days and placing the money in a high yield account you can get the better earnings than you are with cash back. And, it's money not earned by exploiting someone trying to get by.
Definitely call back and threaten to cancel if they don't credit back the charges.
Like Anne said, there should be an option to pay the entire statement balance; there is with my American Express card.
By the way, I thought that you used Mint – why Quicken?
I've done that. Back in the day, I *did* call immediately and ask for the interest to be removed. And they did.*
A few months ago, I was ONE day late paying my bill electronically. Ouch, fee! Ouch, interest! Well, actually, I minimized the double-cycle billing pain by immediately paying off the entire balance outstanding on the card, not just the amount due.
*I didn't call about my lateness this time, because I've heard so much about credit being tightened — I was afraid that a "I'd like to close my account if you don't remove the charge" would be met with "OK." (!?!) Has anyone tried this bluff lately?
$25 is well more (after taxes and other deductions) than an hour's pay for me. I would eagerly spend a half-hour or more to get the fee waived.
Like others have said, call back and speak to a supervisor. Tell them you are prepared to take your business elsewhere if they cannot waive the fees. Try for both and accept just one.
When I started reading your post I was thinking "Well gee, isn't it common sense that the best way to use a credit card is to pay the full balance each month?" but then you got into the two-cycle billing and I am quite surprised to learn of yet another trick that card companies use to pocket money.
The last "trick" I learned is that if you carry a balance, all new charges INSTANTLY accrue interest – no grace period… I was not aware of this before.
Thanks for opening my eyes to yet another thing card companies do. It's sad that even when you make a small mistake you get dinged twice! It really adds up. Yes, the onus is on you to be more vigilant, but I don't agree with this two-cycle thing. It just seems like overkill, punishing you twice.
I agree with the comments here that suggest you should just set up an auto payment. I know I can set up an auto deduction from my chequing to my credit card – either the minimum or the full amount. If you always have money to cover the expense anyway, this should be ideal for you.
Thanks for the good post.
I hate when I make little mistakes like this with tangible consequences. Nothing more frustrating than human error getting in the way of planning and hard work. Go ahead and kick yourself for two or three minutes, then realize all the bullets you've dodged because you were a good planner and leave it behind.
OMG! I love this post. I am a debit card holder as well. I have NO credit cards. I am trying to repair my credit and having a credit card just didnt make sense to me. I thought it would hurt me more than help me, because it would just be one extra bill to pay. However, since opening up a new savings account (aside from my main checking/savings acct) with a new bank, I have decided to get a secured credit card. (1) To build my relationship with the new bank (2) To get some kind of revolving credit back on my report. Although being a little skeptical about doing so, reading your article helped and now I know I can still get the credit card just have to be wise about the purchases I make.
I think your biggest mistake in this call was not mentioning that (a) You always pay off your balance and (b) it is clear that the only reason you didn't pay off the balance this time was due to a typo. Your payment history should be worth a reduction or elimination of the extra charges.
Also, you don't make it clear where that $489 is sitting. Have you not yet redeemed it? It's not earning interest as long as the bank is still holding it…
Thanks for the heads-up; I'll be more careful paying off my balance in future. We can all learn from this lesson.
But JD, I want to add my voice to those above– you can get this fee removed. Every bank I've dealt with actually has an allotment for each customer of fee waivers that they will grant if asked. I don't know if Capital One is the same, but it's a safe bet. I'd suggest calling back and spending 15 minutes trying to talk your way into it. If you succeed, you'll get your money back at $100/hour worth of effort. If you fail, hey, it's just 15 minutes, and it'll be good experience.
Maybe don't set up the auto-payment to pay in full (what if an erroneous charge for $10,000 came in?), but at least set it to pay the minimum automatically. That way, you'll never incur a late fee – even if you're on the beach in Bali and forgot the due date.
I have every single bill automatically paid each month. I still get the statements and check them carefully in advance of the automatic payments, but I don't have to take any action to get my bills paid.
Yes, I pay my cards in full each month, and yes, I collect $600-800 per year in cash back rewards from American Express Blue Cash.
Some of the comments got me thinking though. I think I'm so smart to get that cash back, but, would I save more than $600-800 per year if I went back to debit card (by not spending as much)? Hmmm… I'll have to consider that one. I could save more, perhaps, but I'd have to spend less. Immediate plus some deferred gratification, or, all deferred gratification. Which is more balanced?
I am surprised that your account has not been flagged because you are a famous finance blogger. Please let us know if you get a call from the VP of smoothing out silly charges that make no sense.
I think you could have got the fee waived if you were persistent enough, but you got to pick your battles. I've had credit card companies tell me things were "impossible" that magically became possible when I asked to speak to someone higher up on the corporate foodchain.
I agree that this is a lesson learned (Kevin @14 said it best). But why were you typing in numbers in the first place if you're paying the bill in full? All the credit card sites I've seen have radio buttons that allow you to select the minimum payment, statement balance (which we pay), current balance, or some other amount which you then type in.
I notice you didn't point out to the customer service rep that the only reason you didn't pay off the whole amount that month was due to a typo as you were paying your bill online. I'd suggest calling back, bringing this up, and asking for both finance charges to be waived and see what they say. If you're a good customer, they'll often be willing to waive the charges as a gesture of goodwill.
I'd suggest something along the lines of:
"Hi. On my billing cycle of XXX, I made a typo in one of the digits I was entering while paying my bill online that resulted in me making a payment of $100 less than the full amount. This resulted in two finance charges being assessed against my account, for a total of $24.64.
As soon as I saw the mistake on my next bill, I paid off the entire balance in full. I realize that the error was my own fault, but it was accidental as I always pay my bill in full each month. In light of this, and my previous history with your company, I was wondering if it might be possible for those charges to be waived?"
I've found that most credit card companies understand that sometimes people make honest mistakes, and they'll make allowances in those cases for good customers. The key is to explain that it was a one-off accident and not just that you couldn't come up with $100 more to pay in full that month, and are now trying to weasel out of finance charges.
@Paul in cAshburn:
I think you answered your own question re: "what if an erroneous charge for $10,000 came in?". Set up auto-pay to pay your balance *in full* (lest you get hit with finance charges), carefully review your statement before the auto-pay goes out, and cancel it if something is amiss.
If you pay your card in full every month, I don't think a debit card would save you much over a credit card — essentially, they seem to be performing the same function for you. However, you might consider going to actual cash for non-necessary purchases, a la JD's route. I'm considering that myself…
I missed the due date for a $16 credit card bill by 2 days. (Forgot I had used the card at all that month.)
The fee? $15!!
If you are still using Quicken, have you considered reconciling the credit card account to the statement each month? I do this every month and I always find charges and expenses I missed or didn't account for. Once you get in the habit it doesn't take that much time.
Perhaps that would be an interesting post in the future–the ROI of reconciling all of your accounts each month. Some people probably find it worth and others don't.
I don't know if your credit card company's website does this or not, but every one that I've ever been to gives you a radio button to "pay the current balance" or some such. It takes typos out of the equation. It doesn't help your past situation, but will help you in the future!
Sorry, but I totally disagree with you on this one. You should not take this lying down, nor should any of us. What the credit card companies are doing is wrong, and we all need to stand up to them in order for them to change. Even if this means avoiding credit cards all togehter until they change their ways. If I pay my balance off in full by the due date, I do not expect to be charged one cent more. Period. This two billing cycle thing is just another crooked scheme they have cooked up to shake more money out of us.
It really annoys me that Capitol One makes it extremely difficult to set up automation. You have to request that they send you a form to fill out and then it takes time for processing.
Their online payment system is very different from other credit cards (we have 5 different credit cards and Capitol One has the worst system). It would be an easy fix for CapOne — every other credit card company has a easy to use system where you DON'T have to enter the amount you owe (You just say — "enter payment in full"). JD – I know you like CapOne for their overseas transactions, but because of their really terrible online payment set up I would encourage you to look at a different card.
Why Capital One? I don't want to start a debate over which card is better but I have heard nothing but bad things about them from consumer reports to the blogs.
If your committed to paying every month wouldn't an American Express or another charge card work better?
I'm sure there are other companies with comparable cash back reward programs.
I have not personally used Capital One or Amex, so I'm not offering this as a personal reference but more as a question for my own knowledge as much as anything else.
Does anyone agree that it's getting to the point with credit cards that you never really know what you have or what they'll charge until there's a discrepancy?
You need a matrix to figure out how to make it all work in your favor, maybe because the whole system is set up in the bank's favor–not many people like to think of it this way, but it's true.
Unless you have plenty of time to read all the fine print (that they change periodically) and to fight off the hidden surprises, you're better off going with cash, checks and debit cards. There's less time wasted and emotion invested straightening things out.
I'll gladly leave 1% cash back on the table to avoid the hassles!
Khurt (2)–I pay for airline tickets with my debit card all the time. Delta and Continental certainly accept them.
Well that was a nice intro to two-cycle billing for me! I have never heard the term before… And I always carefully pay my card bills so I hope I never get hit with that!
I like my Chase Freedom card – 3% cash back on my top three spending categories, 1% elsewhere. I even got a $100 bonus for using the card for the first time! (I used it for a tank of gas, which was like $25 or so, and got the $100.) I use it to pay for all of my gas, pay my phone bill and then try to not use it for anything else. Since I don't use it a lot, I pretty much garner the 3% from everything I do pay for. It's not a whole lot, but in the past year I've "earned" another ~$70 that I wouldn't have otherwise!
I don't know if I could ever charge that much on my card, that's for sure! My once in a while $200 balances give me grief, I can't imagine adding another zero.
Don't blame ya for getting off the phone quickly, I hate calling about that stuff too… (So I ended up with a $25 overdraft fee once, and just paid it. We all get hit with the stupid tax once in a while, and sometimes it just isn't worth the fight.)
I had a similar problem with discover. I either misread or typoed the payment and was .25 short. They charged me interest on the full balance!
I called them and luckily they credited the finance charge for me.


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Weights & Dimensions
Additional Weights & Dimensions
|Product Type: Cube unit
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|Finish: 2: White
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|Orientation: Tall
|Back Panel: Open
|Country of Manufacture: Denmark
Questions & Answers
"Hi, are these two separate pieces and can you choose how closely they fit together changing the over all length on the bookcase?" asked by Bernice
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Tvilum Stewart 25.98" Office Bookcase
James from New Albany, OH– Verified Buyer
Awesome bookcase! Solid! extremely easy to assemble! Glad I got it!
White. Bookcase
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This look great in my living room, very sturdy and has elegant design. I am very pleased with my purchase
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This is not a cheap piece of wood. So, I expected it to be in good shape. There are chips in noticeable areas that I could not hide because they were on both sides. The piece wasn't too hard to put together, at least. It looks as advertised. I like the piece. I will get over its flaws.
Modern look
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Very modern look. Live it my daughters room. Quick shipping
Tvilum bookcase
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I am very happy with this bookcase. It is working out very well for me. The size and the quality are both great and exactly what I was expecting.
Quality bookcase
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Great piece of furniture. But some damage to surfaces from shipping. I use it to hold my 50 TV. Very sturdy.
perfect for organization
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Some of the pieces were slightly damaged at the ends, but not visible unless you look real closely. Heavy and sturdy pieces. Easy to put together. Have already received several compliments. I am pleased with this purchase.
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I didn't realize that it came in two pieces, making it even better as far as adjustable size. I ultimately set it up in my bedroom as shown in Wayfair photo. My friend set it up in about an hour give or take. Each box is very heavy, wasn't able to carry it up my stairs alone. Didn't have scratches, materials seem to be quality. Extremely pleased with this purchase.
In order to be responsive to market trends and demands, Tvilum maintains a constant focus on product development. The phrase "two a day" reflects that at Tvilum, they design approx. 400 new models a year! Their range meets the demand for furniture for any room in the home, including home office furniture, storage furniture, wall systems, wardrobes, kitchen, children's furniture, etc. The furniture is supplied as ready-to-assemble kits in boxes containing all the parts necessary to enable the end-user to assemble a complete unit.
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The Group has eight production plants in Denmark, with a total floor space of 3,000,000 square feet and more than 1,400 employees.


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New chief Ed Byrne wants Monash University on regional map
IT is only Ed Byrne's second day back in the country and his first on the job as Monash University's new vice-chancellor, and outside his office the winter sun is shining on the gum trees, reminding him he is back home.
But it is the world that is very much on his mind.
Back from heading medicine and health at University College London since 2007, where he said his research resources were not far short of the total budget of the National Health and Medical Research Council, Professor Byrne is acutely aware of the tough competition Australian universities face to be globally relevant.
He said that, for Monash, the key to meeting that challenge would be to continue strengthening its offshore campuses to make them more research active and so position the university to tap international research agencies.
Speaking with an unhurried northeast English accent that he has retained since immigrating to Tasmania at age 15, Professor Byrne, 56, has an obliging manner, but he is quietly forthright on what he wants to achieve.
"Monash has the potential over the next few years, let's say the course of my vice-chancellorship, to become the outstanding university in this part of the world. And I don't just mean Australia, I mean the region," he told the HES.
Professor Byrne has inherited established campuses in Malaysia and South Africa as well as an emerging presence in India in alliance with the Indian Institute of Technology. While he rules out any near-term plans to establish further offshore campuses, he is determined to fully capitalise on what Monash already has.
He said the challenge for Australia, as a small country, was to concentrate its university research resources.
Smaller universities needed to focus on research "that makes a difference", he said, while even the larger universities must be increasingly strategic.
By tying funding to research excellence, he said, networks of excellence would naturally concentrate research across different institutions. These could be complemented by the government's plans for a system of direct compacts with universities to guide research towards areas of substantial need.
Professor Byrne said Monash had staked out ground in areas such as sustainability, climate, water and health, which he said were critical for Australia and which he would continue.
"Advances will be made where there is a massive concentration of resource," he said. "The danger for Australia is that it just spreads a small cake too thinly."
Professor Byrne backed the federal government's higher education changes and budget, even if the increased funding is staged and will leave the sector dependent on international fees in the near term.
"The government has made clear that higher education and research at universities are seen as incredibly important to Australia. One never got that impression from the previous government."
However, he said there was a case in the future for uncapping tuition fees within defined ranges to introduce price competition and encourage differentiation into the sector, while also providing scholarships for the disadvantaged. "If some institutions wish to invest more in supporting quality in education and have fees that support that experience, and students want to take advantage of it, I can't see that being a bad thing for the country."
The son of a general practitioner, Professor Byrne is a neurologist who was made an officer of the Order of Australia in 2006 for his research and clinical work, particularly in mitochondrial disease. He ran the Centre for Neuroscience at the University of Melbourne under former vice-chancellor David Pennington.
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Kawairun 2
Game info
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Date added: 2013-02-04
Description: In Kawairun 2, you control your man to finish his route without falling. When you run, you use different skills such as jumping, sliding or dodging obstacles. Finishing your route safely is the goal in the campaign mode. Winning other guys is your purpose in multiplayer mode. The further you run the higher money you gain. Money is used when you go shopping. You can select single player or multiplayer mode. You can also choose Campaign or Survival mode. Campaign has to be unlocked first. In Campaign mode, there are 5 modes. You finish one to unlock a next one. Enjoy this lovely game!
Instructions: This game is played with Arrow Keys. Z/X/Y keys are for power in multiplayer mode.
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text:
Australia's household wealth surges
Sydney, Australia (4E) – Household wealth rose according to the figures released by the Australian Bureau of Statistics by over 18 percent.
Based on the statistics the household wealth in Australia is $69,422 per person.
News reports quoted an economist crediting the surge in household wealth to Australians pouring money into savings accounts, aggressively paying down their debts and a stronger sharemarket despite the global financial crisis.
Wealth per person is still down 5.1 per cent over the past three years but falling interest rates and an improving sharemarket could push it to new highs in the coming months.
Households had a record $748.6 billion in cash and deposits at the end of September. Cash and deposit holdings represented 23 per cent of assets, above the decade average of 20.4 per cent.
A global report In October showed that Australians are one of the richest people in the world.
According to the Credit Suisse Global Report 2012 wealth per adult of $US194,000, beating out Japan, Italy, Belgium and Britain.
The global report surveyed at least 216 countries.
Although United States still have the highest number of millionaires, the report said that Australia will have 1.6 millionaires in the next five years.
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Distinguishing features
The rosary pea is a slender twining vine with a woody base. It has pea-shaped pods , about 1-1.5 inches long. They split open when dry to reveal brilliantly scarlet small pea-shaped seeds with a small jet-black spot at the point of attachment to the pod. This feature is important in the identification of the seed.
|Description. Abrus precatorius is a perennial vine that grows to 10-20 feet and uses other plants for support. Flowers are red to purple in color. Fruit is a legume pod that produces ovoid red seeds with a black spot at one end.
|Geographic range. Abrus precatorius is native to India and was introduced to warmer regions of the world. It is now well established in Florida and is used as an ornamental throughout North America.
|Toxic principle. Seeds contain abrin, a potent lectin, along with other toxic compounds.
|Toxicity. Toxins are released only if the seed is chewed and swallowed. Other parts of the plant are not poisonous and animals are not often poisoned. However, poisoning is very serious as abrin is one of the most toxic compounds known. As little as 0.00015% body weight will cause fatality in humans. All animal species are susceptible.
|Mechanism of toxicologic damage. Abrin inactivates ribosomes, inhibiting protein synthesis. Abrin is not cell specific, but rapidly dividing cells are most likely to be affected.
Clinical signs. Initial signs of GI dysfunction, including excess salivation, colic, vomiting, diarrhea and dehydration, develop several hours after ingestion. Body temperature may rise to 104� F. Hyperexcitability and convulsive seizures are seen before death.
Lesions. The mucosa of the digestive tract and urinary bladder may have splotchy hemorrhages and ulcerations. Pulmonary edema, congestion of various organs, and retinal hemorrhage may be seen. Also common are mild to moderate hepatic and renal tubular degeneration.
|Treatment. Administration of fluids and electrolytes will alleviate dehydration.
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text: 2008 Year in Review Ah yes, the 2008 year in review T-mobile USA post. It wasn't to long ago we got a look at fourth quarter 2008 numbers and while it wasn't the stellar year we all hoped for, it wasn't a year like Sprint's either. Highlights of the report include 130 cities covered by 3G, with that number expected to jump to 200 before the end of 2009. A 31% increase in data services revenue from 2007, more than double the messages carried from Q4 2008 from the Q4 2007. Average revenue per user dropped to $50 dollars in Q4 down from $52 dollars in Q3. Well at this point I'm sure some of you have stopped reading as the statistics can be pretty dry but feel free to jump over to BusinessWire and read the rest of the 2008 year in review release. Source Fun hightlights do include! On February 4, 2009, T-Mobile USA was ranked highest in wireless customer care performance by J.D. Power and Associates. Winning this award in 7 of the last 8 reporting periods continues to demonstrate T-Mobile USA's strong and successful focus on customer service. On January 22, 2009, Fortune magazine announced that T-Mobile USA was the first-ever telecommunications company to be ranked in its "100 Best Companies to Work For" list. "Service is our number one priority at T-Mobile. And the best way to deliver outstanding service is to create an environment where our employees can make a meaningful difference for customers everyday," said Dotson. "As the first telecommunications service provider to be included in Fortune's 'Best Companies to Work For', we're gratified and honored to be named among these elite companies." On Nov. 20, 2008, T-Mobile USA, introduced web2goSM, which makes it easier to view and navigate the Web from basic voice phones and smartphones alike, providing customers with better Web browsing, improved search with Yahoo! oneSearch™, a customizable home page and a simplified shopping and download experience.