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GPSolo Magazine - June 2004
You Ought to Be in Pictures:
Ten Tips for Electronic Trial Presentations
Contrary to what's portrayed on television, not all lawyers do their work in the courtroom. Trial work is not for everyone and certainly not for the faint of heart. Some lawyers and legal teams specialize in the fine art of motion practice, some master discovery and leave trial presentation for the few whose cases merit and whose clients can afford them being brought to a judge.
At trial is when using the most effective means of communicating a story is vital—a way to put the facts in dispute in the most favorable and memorable light for the judge or jury to accept your client's position as indisputable. Some of the most powerful tools to help this come about are from the arena of electronic trial presentation technology. Making documents come alive in the courtroom creates a huge advantage if you want them to be remembered. Too many dry witnesses give their dry testimony until the sparks of life disappear from the jurors' eyes. Instead, firing up the image of a signed document, fully annotated and suitably highlighted and magnified for easy reading on an eight-foot screen just inches away from the jury box, is priceless. Below is a top-ten list of things to do to take advantage of electronic trial presentation when the opportunity arises in one of your cases.
1. Going to trial is like producing a motion picture, except that two versions of the story will be told in the courtroom. Unless you feel prepared to take on the equivalent of producing a Hollywood blockbuster with no previous experience, your first step should be finding a competent producer. Or, in this case, trial consultant. And just as you rarely are set to take a new case to trial two days after you get it, the best trial consultants usually are booked in advance. The more experience, the longer the necessary lead time. Some firms notify reputable consultants as much as a year in advance. Others sign them on when they start working with their experts on the case. In any case, allow enough time to do your research and book ahead. Most experienced consultants are prepared to travel to your location for a case.
2. No matter what you or the consultant may want to do in the courtroom, it is still the judge's house, and the judge sets the rules for what's allowed in storytelling. Find out about his or her likes and dislikes by asking colleagues around the courthouse; and here's yet another reason to be sure to develop a good rapport with the clerk of the court, who will know the guidelines for using technology in the courtroom. The next step involves a visit to the site to establish the best display system for the room. This will yield the cost for what equipment you'll need to rent—unless the court comes fully equipped, as an increasing number do. If the trial is likely to run more than six to eight weeks, you may want to consider purchasing or leasing at least some of the equipment; however, remember that the owner services and replaces faulty equipment—consider whether you're willing to absorb that responsibility as well as risk.
3. Videotaped depositions of witness testimony should be prepared as far in advance of trial as possible. And keep in mind whoever's "law" it is that says if a problem can happen, it will. The good news is that this type of production work no longer must be done far in advance in a video studio. It can be performed on location at the trial setting or war room. Today's trial technology tools allow the trial consultant to edit the video depositions down to the specific helpful pages and lines (called video clips) you desire for playback in the courtroom. These video clips can then be linked together for continuous playback or used in a targeted fashion for witness impeachment. While waiting until the last minute is not desirable, technology provides flexibility to make those inevitable last-minute changes.
4. Many of the best producers in trial presentation know how to find the right personnel for the task—the "Hollywood" model that brings together the best visual craftsmen to convey your client's story. The producer can set a "look" for your presentation that will be coordinated throughout presentation to maintain a consistent style, whether for creative demonstratives or documentary exhibits. Photographs, animations, or 3-D models should be completed earlier than the week before the trial so witnesses can practice working with them before and during trial.
5. Involve the trial presentation staff in the witness preparation sessions when possible. Witness prep sessions provide a good opportunity to observe the flow of the evidence and get all the parties on the same page during rehearsals.
6. Test everything. Twice. Every type of technology has a built-in MTBF (mean time between failures). Even if it all works smoothly the first time, always allow another setup or run-through to eliminate any problems that might arise.
7. Avoid single points of failure. One of the most common solutions is redundancy: Have a backup plan for everything. This may include courthouses whose power supplies fail from the added electrical needs to replacement projector bulbs or three-prong adapters.
8. Quality control is essential. Involve the trial presentation personnel as early in the case as possible, even if you can afford only minimal input on the design of the discovery database. It can pay off in smooth running 18 to 24 months down the road at the courtroom. Avoid finding out the night before proceedings that the audio portion of half the video depositions has cell phone bleed-over that renders the testimony just about indecipherable. The same goes for complex graphics or animations—have the expert vet early versions for accuracy, or simply for the quality of resolution when they're projected on the screen.
9. Don't overuse the bells and whistles—the trial presentation producer can choose the right tool for the right place. The list of software embellishments is extensive, and many may detract from rather than add to your presentation. The producer has the experience to know which ones best aid the a story.
10. You were all thumbs during your first run-through and little worked as cued? Don't panic—it's normal in show biz to have a lousy dress rehearsal. And, because you're not trying out the trial presentation on Sunday evening for a Monday trial, you have ample time to improve. Listen to your producer, and you will.
Stephen J. Lief is a lawyer and a legal technology consultant; he can be reached at email@example.com. Don Gibson and Guy Thomas are the founders of The Trial Division, LLC, a consulting service offering trial litigation support for high-tech legal firms; they can be reached at firstname.lastname@example.com.


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Besen Special Assets, with an office in Red Bank, announced the sale of a corporate office center in Egg Harbor.
According to an announcement made last month, the property totals 83,200 square feet and is comprised of two buildings measuring 41,600 square feet each. The property was sold for $8.5 million by Managing Partner Jonathan B. Horn and Managing Director Samuel P. Boyd.
Tropicana unveils $35 million renovation project for Atlantic City casino
Real Estate Report: Developer Ray Shea, the accidental winemaker, finding success in New Egypt
Most-read March 19: East Orange General signs non-binding agreement with for-profit hospital

subset: commoncrawl


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Japanese Prime Minister Shinzo Abe vowed to increase private investment and infrastructure exports as part of his strategy to overcome deflation and build on an economic expansion fueled by rising consumer spending.
"After long years of deflation, I can't yet say this is more than a sign of a turnaround," Abe said in a speech yesterday in Tokyo. "I will do everything in my power to turn this movement into strong growth."
Abe said he aims to get annual private investment back to 70 trillion yen ($682 billion), the level before the 2008 financial crisis, through deregulation, taxes, spending, and equipment leasing deals. He also outlined a target of tripling infrastructure exports to about 30 trillion yen by 2020. Abe has said he will reveal his full growth plan ahead of the Group of Eight summit in Northern Ireland on June 17-18.
The measures are part of the "third arrow" of the prime minister's strategy to revive the world's third-largest economy through structural changes to improve competitiveness. His push for increased Bank of Japan monetary easing combined with fiscal stimulus has persuaded Japanese to open their wallets and sent stocks soaring as the yen weakens.
"We have gained international understanding for Abenomics," Abe said.
Japan's economy expanded the most in a year last quarter as consumer spending rose and exports gained on the weakening currency. The government announced 10.3 trillion yen in extra spending in January and the central bank said it would double its purchases of government bonds to defeat deflation.
Agricultural Pledges
Abe, who pledged last month to boost the economy by backing medical research and expanding childcare to allow more women to work, has also signaled willingness to lower tariffs by joining talks on a regional trade agreement. Facing opposition from farmers to the Trans Pacific Partnership, he promised to double the income of agricultural communities in 10 years.
The government will set up a public "land bank" to aggregate Japan's growing swaths of unused agricultural land, making it more profitable to farm, and provide subsidies for rice paddies that help prevent flooding, Abe said. He added that he believes it is possible to double agricultural exports to one trillion yen.
Among other changes, Abe plans to overhaul regulations on cars powered by fuel cells, and allow experimental self-driving automobiles to be tested on public roads, he said.
The plan to increase infrastructure exports will be backed by increasing loans from the Japan Bank for International Cooperation, according to a document provided by the prime minister's office.
Abe is pushing Japan's nuclear energy expertise even as he mulls the restarting of atomic plants shut by the 2011 Fukushima disaster. Mitsubishi Heavy Industries Ltd. and Areva SA of France signed a $22 billion agreement this month to build a nuclear power plant in Turkey in a ceremony in Ankara Abe oversaw with counterpart Recep Tayyip Erdogan.
Japan's benchmark Nikkei 225 Stock Average has risen 54 percent and the yen has fallen 18 percent against the dollar since Abe's LDP won a landslide victory on Dec. 16.
Copyright 2014 Bloomberg. All rights reserved. This material may not be published, broadcast, rewritten, or redistributed.


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I am so tired of dealing with this bank and although it is a hassle to move my personal and business banking I have had enough. This big fraud that calls itself a bank has ripped me off for the last time. Forget everything the nice, friendly, smiling and apparently concerned banker tells you when they are trying to get you to open an account, apply for a loan, credit card, mortgage or anything else they are pushing.
The bank is nothing more than a fee generating machine and they have geared all of the practices and policies to ways that will separate you from your money in as many different ways and as frequently as possible. I could give you a long list but here is one that is easy for everybody to understand:
I write a check to a supplier while doing business in another city, who banks with a different bank located several hundreds of miles away. Magically (with the wonders of electronic check verification) that check is debited against my account that very same night. No problem.
A week later I receive a check from a customer who banks just down the street from my bank. I deposit the check at an ATM in the morning, several hours BEFORE the afternoon cutoff for deposits. I write a few checks and incur a few more debit transactions the next day, counting on those funds being in my account. The checks/transactions were for approx the following amounts and order: $81, $33, $9, $47, $38, $14, $7, $59, $10, $22, $116, $2, $11, $16, $745.
Guess what? They put a 5 day hold on the check from the local bank (a client from whom I had deposited dozens of checks in the past with zero problems). Then they debited the very largest item first ($745). It was my very last check I wrote to a department store at the end of the day and the very first one they debited which overdrew my account -$4.51, as they had put the hold on my deposit from the day before at the ATM. Then they debited the rest of the 14 checks/debits from my account, adding an overdraft fee of $35.00 for each item, totaling nearly $500 in overdraft fees.
When I went into the bank the next day to scream my displeasure I was told by the smiling, friendly and helpful banker that it is Wells Fargo's policy to ALWAYS debit the largest items first. The still smiling banker assured me this was to PROTECT ME as large dollar items could be a house or car payment and they know I would want to make sure those items were paid first, of course.
I thanked the smiling, friendly and helpful Wells Fargo banker for being so concerned about my car and home and I then proceeded to tell them that my car is PAID FOR and I DON'T HAVE A HOUSE PAYMENT! Furthermore, even if I did I would never want to be dinged $500 just to have those items covered. I asked to speak to the manager (also smiling and friendly) who that he empathized with me but that paying the largest item first was the policy. When I asked if they could waive the fees for a long standing business and personal account customer I was told that it was their policy not to, less everybody would come in asking the same thing.
So the next time one of the Wells Fargo smiling, helpful and friendly bankers ask you to open an account, run don't walk from their bank. The really funny thing is we all just read in the news yesterday that Wells Fargo has been laundering money for the Mexican Drug Cartels. Really straight operation they run there. I wonder if they smile and act so helpful and friendly for the Narco's when they come in to transfer their drug money?
Wells Fargo is a criminal organization in my humble opinion and I will never do business with them again. Don't buy into their lie about how they want to "help you". The only thing they are interested in is helping you OUT OF YOUR MONEY!!!
LEHIGHTON, PENNSYLVANIA -- Me & my father purchased a home in 2004. The 30 year loan was provided by Wells Fargo bank. He was at the age of 68. 2 years later, in 2006, my father passed away. On the deed of the house both of our names were listed. I proceeded to the Allentown branch to distribute proper documentation of death certificate & I wanted the straight was already in place. I also wanted to make sure I handled things the right way going forward & they reassured me that no changes would be made except my name would be added to the loan. They told me no problem so I assumed things were all in place.
Five years later (2011), keep in mind I was making all the payments the best that I could some were late but paid, I was seriously hurt which I then couldn't continue to work. So I then contacted Wells Fargo to advise them of my unfortunate situation & they told me they couldn't talk to me because I wasn't the head executive of my dad's estate but I was on the deed since purchased year of 2004. So I explained that I was waiting for my tax refund to bring the loan current & mailed them the check of the amount due.
They held it for approximately 2 weeks, mailed it back to me & informed me to contact the bank's attorney to make arrangements with them. Which in my mind didn't make sense since they wouldn't talk to me but their attorney could.
I as well went to an attorney to find out what I could do and the bank's attorney refused to speak to the attorney representing me. After that, they informed me that I would have to bring a copy of death certificate to the bank, which I have already did back in 2004. I had misplaced the last copy I had so I had to obtain another copy which would take 6-8 weeks to get & my hearing was 4 weeks away.
I then went to my local congressman figuring he might be able to retrieve it sooner. He proceeded to help me obtain it & I received it was the day before my hearing. That same day I got it, I went straight to my local Wells Fargo branch to hand in the certificate & copy of the deed as requested to stop the court proceedings. Which they said they would if I provided them before the court day they would withdraw the proceedings.
I believed it was withdrawn & didn't appear in court the next day plus my son was starting school for the first time the same day. Long behold they never stopped the proceedings as they promised & I lost everything. I think I am entitled to something at this point & need some advice/help on what I can do
A year ago I purchased a big ticket item financed with Wells Fargo Credit Cards with a 12 months no interest. I made my payments on time and not just the minimum. I always made the payments at least 15 days prior to the due date. I just owed $200 which I planned to pay off this month which I thought was when my offer expired. Turns out it expired March 11th and not April 7th as I thought.
I've been charged an obscene amount of accrued interest. I went ahead in good faith and paid what I owed. I called Wells Fargo in the hopes that they would recognize and understand my oversight and would remove the interest charges as it was only a few days past the deadline. Nope. The thieves would not do it. Thanks for nothing Wells Fargo!
I am a victim of Wells Fargo's Loan Modification scam (HAMP) September 27th, 2010: In the summer of 2006 I was approved for an adjustable rate mortgage by Wells Fargo in order to build a home for myself and two children. My payments were very affordable until 2008 when an increase of over $800 a month put my monthly payment at over $1800 a month. I struggled but was able to make my payments until I suffered the loss of a job and a change in my salary in December of 2008.
I continued to struggle each month until June of 2009 when I was made aware of the government program called HAMP (Home Affordable Modification Program). I contacted Wells Fargo inquiring about the program. Wells Fargo informed me that after going over my financial situation over the phone with them, that I would indeed qualify for the program and that I would receive a packet via FedEx in a couple days to fill out and send back in. The packet finally arrived August 16th and I took great effort to fill out each form and gather copies of the required information. I returned the signed forms and packet containing all of my information within 1 day of receiving it.
I contacted Wells Fargo a few days later to verify that they received my packet and they confirmed that they had my information and would be reviewing it. I was assured that I would hear back from them within 30 days and not to make any further payments until it was determined what exactly my trial period payment were to be. I did not hear from them within the 30 days, and began calling to find out what was taking so long. I was told that their department had thousands of applicants and that it may take a little longer. Again, I was also told not to make a payment yet and was assured that very soon I would receive that information in the form of a FedEx package.
Two months went by. I finally received the package 10-26-09 and was given a "Welcome to the program" letter with contract and an outline of the three trial period payments of $691.86 with the first one being due 12-01-09 (over a month away). I called Wells Fargo and immediately set up the three payments via personal check predated for several days before each due date. I wanted to make sure the payment reached them before the actual due date to show my intentions of good faith.
The first payment was made 11-28-09, the second 12-28-09 and the third 01-28-10. I then anticipated hearing back or receiving some paperwork shortly after the last payment was made. I called a couple of days later to inquire about the steps being complete and what I should do next. I was told that it would again take up to 30 days to be reviewed and completed and that I should receive the same contract back via FedEx signed by them. When asked what to do regarding a monthly payment in the mean time, I was again told not to make any payments until the packet arrived.
I received the packet containing the signed contract, via FedEx, on my doorstep in March 2010. The contract was signed by Wells Fargo 03-04-10. I called to inquire what the next step would be and was told that I would be receiving another packet via FedEx containing paperwork regarding the re-modification, making it permanent. I was told this could take up to 30 days and that my new payments would begin as soon as I received the paperwork.
April 19th I received a letter from Wells Fargo dated April 14th, stating that unfortunately I was not approved for the Home Affordable Modification Program because I failed to make my three trial period payments. I was so upset and confused because clearly I had made each and every one of those payments. In fact I made them early!
I called at 7:35pm and spoke to ** regarding the letter. He confirmed that I made each payment, and said that the letter was sent out in error. He was as confused as I was regarding the error, and stated that in fact a "New Trail Period Letter" was sent out automatically on April 15th, just after the erroneous "denial letter" was sent to me by mistake. He assured me that he was entering the notes from my call into the system and that it would be forwarded to his supervisor for correction. He asked me to wait a couple business days to call back so that it could be straightened out.
I called 04-21-10 and spoke to ** and seemed to have to re-explain each and every detail of the past ten months of beginning the program. She put me on hold for 45 minutes while she spoke to her supervisor and assured me that she was sending an email to correct the situation and have the "Second Trial Period" removed from my account. She instructed me to give the email some time to get to the correct department and call back in 3 days. In the mean time I received the "Second Trial Period" packet via FedEx. I again called back and asked to speak to a supervisor regarding the confusion.
I was told that no one had yet responded to the email requesting help to remove the "Second Trial Period" and the women stated that she was not sure whom to send another email to, or who was even working on my case. After an hour on the phone she stated that the only way to get back into the program was to start over and fill out the new packet that had just arrived. I explained that I had done nothing wrong and that I had received the signed contract back from Wells Fargo completing my portion of the program. She offered no help and again told me that I would have to start over and apply to the program for the second time.
It was Wells Fargo that had dropped the ball, and I was falling through the cracks! Feeling helpless, and scared of losing my home, I completed the second packet and again called and set up three trial period payments several days ahead of their due dates just like the first time. The worst part about the second trial period was that my monthly payment had DOUBLED! The first time my payment was $691, this time the payments were increased to $1,224! Feeling absolutely helpless I dug in and waiting to complete the process for the second time.
The first payment (this time) was made 05-28-10. Two weeks later out of the blue a Wells Fargo debt collections representative called me to collect a payment of over $11,000 (late fees and unpaid mortgage payments). All along I found out that Wells Fargo had been reporting that I was not making payments and adding interest and penalties to my balance. I was in shock! I explained to the representative that I was in the HAMP program and that my first trial period payment (of the second program that I had been placed in) had been taken out of my bank account just two weeks prior.
She put me on hold for 20 minutes and came back on the phone to inform me that according to the notes in the system, I had called to remove myself from the program!!! In fact the words she used were that I "requested to be removed from the HAMP program." I was again in total shock that I was being told something so "out of left field." I explained that I would never do that and it must have been a mistake on their part. I demanded to speak to a supervisor!
I was told that Wells Fargo would have to "pull the actual call" and it would take 15-30 days for them to do that. I told them that this was illegal and that in no way shape or form would I have ever removed myself from any program that was going to help me keep my home and everything that I had worked so hard for. I threatened to call a lawyer and report them for this action.
The supervisor replied to me, screaming at the top of her lungs, that I was no longer in the program, it would take too long to pull the call and I could be placed in foreclosure! She demanded the only way to get back into the program as soon as possible was to start over the entire process again! Feeling completely helpless and defeated I once again was sent a package via FedEx to complete the process all over again.
It's now June 2010. I spoke to Customer service representative ** and was told to make my regular monthly payment of $1,295.92, which I have a confirmation number for. She told me to re-fax all of my information to the loss mitigation department and call 2 hours after to verify that they received the information. I did exactly what they asked and began the HAMP process for the third time. I was assigned a loan servicer whose name was **. I spoke to ** who told me that all of my paperwork needed to be sent in like clockwork every 30 days to maintain my status in the program, and to call at least once a week to check on the status of my approval.
I called each week and continued to re-fax my paperwork, signed and dated every 30 days. ** called and informed me that in fact I was not accepted into the HAMP program due to my ratio of debt being 21% instead of the required 31%. He stated that I would be reviewed for "in house" programs. He encouraged me to continue to call each week and keep my information faxed in every 30 days. In the mean time, I continued to pay the $1,295.92 mortgage payments for July and August.
09-23-10 I phoned Wells Fargo and during the identity verification process the customer service representative informed me that my home was in foreclosure with a sale date of November 4th. 09-28-10 I received a letter in the mail from Wells Fargo's law firm stating that they were moving forward with the foreclosure process of my home, setting a sale date of November 2nd, despite the fact that my case is still officially under review with Wells Fargo. In the same letter, they informed me that we may qualify for their home remodification program - the same one I've been applying to for the past 15 months.
From the beginning, I did everything Wells Fargo asked me to do. I never gave up, never withdrew and was on time with each and every application, contract and payment to Wells Fargo. Yet, I am currently in the process of losing my home.
I have been working with Wells Fargo since about July 2009 to get a Home Loan Modification, as outlined in the federal program (www.makinghomesaffordable.gov). I finally received my paperwork this week, and it is as if they "rewrote" the modification the way THEY WANTED TO, not following the federal guidelines, which are clearly written in a 17-page memo to lenders.
Also, they did not offer me the $1000 per year "incentive" that a borrower is eligible for, for up to 5 years, if we enter into the agreement and make payments on time. This helps "pay down" part of your principal... they totally ignored that... probably since the guidelines (to lenders), states, "borrowers are eligible for (the $1000 a year incentive)..." instead of saying "(Lenders), you MUST include this in your loan modification agreement."
Here is what has happened with my loan modification, so right now I am wondering whether to sign or not to sign... and they gave me only 10 days to sign and return... while it took them almost 8 months to get my loan modification through a trial period.!
But here is what happened with my modification: my mortgage should have been reduced by about $250 - $280... but was only reduced by about $98! Borrowers are supposed to bring your payment down to 31% of your Gross Income, and are supposed to reduce your interest rate (as a first step in something the Gov't calls the "Waterfall Procedures", which are specific steps Lenders are to take to reduce the mortgage so the CORRECT AMOUNT OF modification agreement can be determined... This is NOT what was offered in my case.
I have been trying to get my home loan modification with them for about 6-7 months... I did EVERYTHING THEY ASKED, sent all forms, resent forms, resent proof of income, the signed affidavit. About 4 months ago, they sent the amount of my trial payments, which was encouraging because the payment dropped from about $1250 (which I can no longer afford, due to a sharp decrease in my income; my payment for the trial period was reduced to about $980.
I also want to note that I did not have a sub-prime mortgage, that I have always been current on the mortgage, and that my home in Austin TX is worth about what I owe on it. Also, I do pay Private mortgage insurance (PMI), and I'm reading from many with problems, that some banks are not working with them... preferring their home to go into foreclosure, since the home has PMI.
The "making home affordable" gov. website calculators show that I'm eligible, and that $980 (trial payment) was actually somewhat more than the 31% of my income. I thought I was "good to go..." and made every trial payment.
Now... this week, I get a letter from Wells Fargo that offers me something they call a "Home Affordable Modification Agreement", and they only gave me until 3/23/10 (less than 10 days), to sign and return it to them. THE TERMS ARE NOT AS outlined on the Gov't site at ALL! To reduce my mortgage, they offer to EXTEND THE TERM OF THE MORTGAGE, and only to lower the interest rate by about one-half percent. This is NOT how the Gov't site said as to mortgages being modified.
My total monthly payment only went down $98, if I sign this, and again... this payment is MUCH more than the approx. $960 that my loan modification should be (according to the calculator on the federal "making homes affordable.gov" site and other federal web sites.). Do they think we don't read or multiply??? Also... they didn't make my escrow payment with my trial payments, and so they informed me I now owe escrow of $1876! (This is something the government guidelines to lenders ALSO tells lenders, that they MUST make the escrow, if the funds are there... which mine were, as part of my $980 trial period payment!
They did write in something they call a "borrower incentive" that if I make payments on time, I will "accrue" a "benefit" equal to $54.58, which is 1/2 of the reduction in the monthly mortgage payment. There is nothing that I can find about this being in the government program -- it reads that with a home modification you no longer have to pay the PMI. (Because the government is in effect insuring your mortgage, at least that is my understanding of why you no longer have to pay PMI).
I feel Wells Fargo has "rewritten" that "PMI" program benefit more to THEIR benefit, in their legal terms... saying, "if your modified mortgage loan ever becomes 90 days delinquent, you will lose all accrued but unapplied principal reduction benefits... and will no longer be eligible to accrue additional principal reduction benefits..." THAT is NOT in the government guidelines at all.
I don't know what I am going to do at this point, because it seems as if WFargo is really trying to screw me. That is not a word I ever use, but it fits with this situation. In my opinion, they are purposefully ignoring the government guidelines on how the FEDERAL home loan modification program was written, and have written their terms... much more favorable to them.
HOUSTON, TEXAS -- Be very careful when you do business with Wells Fargo. A couple of months ago I contacted Wells Fargo to refinancing my auto in an effort to reduce my debt. I received an offer with a higher finance rate so I declined. Plus, the monthly payments were more than I was currently paying. Financially it wasn't helpful in my efforts of reducing my debt. A couple of weeks after I turned down the auto refinance offer, I received an invitation from Wells Fargo to apply for a home refinance loan. So I applied just to see if it would be beneficial.
About a week later, I received a letter in the mail from Wells Fargo declining me for a home refinance, no big deal. Then, about a month ago I was contacted by a Rep of Wells Fargo who asked me if I was still interested in refinancing my house. I explained that I'd already been declined. She told me the letter was a formality and it was "something Wells Fargo sends automatically", and there were no problems with getting a home refinance loan. The Rep also inquired about the auto loan I applied for. I explained to her that I declined it because the rate was too high.
I made an appointment to meet the Rep to discuss refinancing my house with cash out to pay off some creditors. I supplied all the required documents prior to the meeting. I met with the Rep on July 21st to sign the papers for the home refinance loan. During our meeting the Rep brought up refinancing my truck. I explained why I declined the auto loan. The Rep suggested that with the cash out from refinancing both my truck and house, I could pay off a majority of my creditors, thus saving money. I told the Rep that I didn't want to refinance my auto. The rate was too high and it was not worth it.
I was already 2 years into a 6 year loan and didn't want to start over with another 6 year note at a higher rate. The Rep explained that with the cash out from refinancing my auto, I could pay off a creditors and it would help get a better rate on the home loan. The Rep again pointed out that with the cash out from refinancing both I could pay the majority of my creditors and with the money I'd be saving monthly, I could pay more towards my truck and still have it paid in 4 years.
I made it clear that I DID NOT want to refinance my auto unless it was 100% SURE I was approved for the home loan. Otherwise, it made no sense to refinance my truck. Her exact words were "You're approved. I'm working on the rate. The loan has been approved." She ASSURED me the home refinance loan was approved so I refinanced my truck based on her assurance. I refinanced my truck that day. Plus, I signed all the papers for the refinance of my house, leaving 100% sure that I was approved for the home loan based on what I was told by the Rep.
I took the check I'd gotten from the cash out on the auto refinance (about $1,500) and paid off a creditor as was planned. I didn't hear anything for a week so I called to check the status of the loan. I was assured there were no problems. I asked her if she knew the finance rate on the home loan yet and she told me no but said she'd let me know when she knew. Another week passed with no word. I emailed the Rep to check the status and asked if there were any problems with the loan. Again I was told there were no problems.
After a few more days, I checked again and was assured there were no problems. In fact, I was told I "should be hearing from the Appraiser any day". Finally, on 8/10/09, I received a call from the Rep telling me my home loan was turned down because the pre-appraisal came in lower than what they thought. I was very upset. I told the Rep that no one had come to appraise my home. I told her that she had assured me several times I WAS APPROVED, that's why I refinanced by auto. Now she's telling me I've been declined. I WAS MISLED & TRICKED INTO REFINANCING MY TRUCK. I refinanced my truck based on lies from the Rep of Wells Fargo.
I NEVER would have refinanced my truck if I was not 100% sure I was approved for the home loan as I was told by the Rep. I can't even cancel the loan since I've already taken the money I received from the cash out to pay a creditor. Basically, I've traded a $1,500 creditor for a $30,000 auto loan. THANKS WELLS FARGO.
IRVING, TEXAS -- They will push back charges and delay deposits to make charges bounce. When I confronted them with proof, I just got double talk, changing the subject, insults and was told I should close my account and go elsewhere. The following is what happened to me.
I am not the best at balancing my checkbook so I check my balance online every night. For the couple of months I have banked there, every single charge including checks would show up as pending, and then would finalize the next day (deposits are the same way). So I check my activity on the 8th, and 3 charges have came in as pending (with ample funds to cover them). Then on the 9th, a check shows up as having finalized on the 8th, and the 3 previous charges have bounced. Further, my direct deposit has shown up pending on Thursday and finalizes on Friday every week.
This time, it doesn't show up on Thursday at all (but does show up pending on Friday morning meaning it will finalize on Saturday, a day late). Had I not caught this and done a direct deposit advance (which cost me 46$), that would have cost me another 12 bounced charges at 35$ each. So I check with others at my work (this is an employee account), and I am the only one that got a direct deposit a day late. 2 people confirmed for sure that their deposit showed pending on Thursday.
So I go in and talk to the bank. The first guy I talked to said, "Yes we will push larger checks back as they are often more important checks like rent that people need to clear (which of course causes many more small charges that have already cleared to bounce, at 35$ each)." He asked what I would have preferred, that they let the large one bounce? I told him yes. He went to talk to another employee. I walked over as I had not mentioned the direct deposit yet, and told him I had another issue as well.
This guy just changed the subject when I mentioned what the other guy had said, and he said that checks won't show in online banking until a day or two after they post (a complete lie). I tried to show him printouts that showed pending checks. I tried to show him a printout from the 8th that showed funds for the 3 charges but not the larger check, then another printout on the 9th with the large check being pushed back to the 8th. He basically ignored all the printed proof I had. He never looked at my proof close enough to read anything. He said several times, that I seemed to know more about online banking than they did so why was I talking to them.
It seemed like any time I brought up an issue, he just made up something off the top of his head to refute me (and he did contradict himself). He said that if my deposit showed on Friday (pending or not), then it was there and I should check the date on my pay stub (fyi I talked to someone on the phone the night before, and they said if it was not there pending on Thursday night, then it would not be final until Saturday). He said that the people at my work were wrong, and I was wrong and didn't know what I was talking about, even though I had printed proof.
One of his last statements was that this was all my fault and I didn't know what I was talking about. I said I hadn't had problems like this for years with my previous bank, and suggested that perhaps I should close my account and go back there. He said that I should close my account.
Obviously they are playing with charges and deposits to try to maximize charges and fees. My balance hadn't been that close to zero before, but my wife had discontinued her direct deposit at our old bank and hadn't set it up with Wells Fargo yet, so getting a paper check delayed things a bit (she got paid that same Friday too). With both our pay on direct deposit, I don't think that issues like this would arise as sufficient funds would always be available. It's nice to know if my account does get low though, this is how they are going to take care of me. I'll take his advice and close my accounts.
On Feb 19 I mailed a check, drawn on my Wells Fargo account, from California to the GMAC payment center in Arizona. I got paid on Feb 20th (Friday) and on Saturday the 21st at 10 am I deposited my check. I was told at that time my GMAC check for $500 had bounced on the 20th.
I question this since I did not understand how the check had gotten from CA to AZ - via the mail - and the fund drawn from my account in one day. I viewed a copy of my check online at Wellsfargo.com. While the front was very clear the back was totally unreadable. I contacted customer service and requested a better copy so that I could ascertain exactly what time this check was processed. They told me that was all that was available, that they had no legal requirement to provide me with another copy and that all he could tell me was that the check was processed on the 20th and I basically had to take their word for it
I used my ATM on the 20th and still had about $300 in funds according to the slip. I believe that Wells Fargo actually processed the check later than they stated and only applied it when I went into the bank on Saturday the 21st. They then credited my account before applying my deposit that morning.
What follows next, thanks to the intensive lobbying the banking giants conduct in Washington, amounts to legal larceny aided and abetted by our elected officials. They posted various small ATM purchases that I had made over the previous few days resulting in a cascading series of fees which is now about $400.
Wells Fargo has engaged in sequencing the charges in such a way as to maximize the amount of charges they could attach to my account. If they are going to charge me then I deserve to have a copy of the check back that is legible or they need to provide the original check. I see no reason that I have to accept their word especially given their history of deceptive and predatory tactics.
I did not set up overdraft protection yet they will selectively honor purchases and e-payments after they overdraw the account anytime. This results in a lot of fees for little risk i.e. they won't honor a $200 charge but will gladly allow an automatic $1 charge that then earns them $35. They will deposit my checks with no hold for weeks at a time but hold the check for 3-5 days when doing so will force the account to be overdrawn by pending ATM charges. They will delay notification that the account is overdrawn and fees were being assessed to maximize fees - I received written notice 5 days after the fact.
I believe that Wells Fargo has not only acted dishonestly in this matter they have acted criminally. I believe that this process of sequencing the transactions to extract greater fees preys largely upon those who can least afford it because their accounts would be the least cushioned and most vulnerable to this predatory tactic.
I strongly recommend going to helpwithmybank.com to find out who regulates your bank and file a complaint. Contact your congressman, newspapers and blogs. Move your money to a credit union if possible as most seem to not charge these fees. Oppose giving stimulus money to these banks until they clean up their act. Otherwise they are only going to use our own money to pay us back if the class action suit is successful essentially spitting in our faces.
DUNEDIN, FLORIDA -- OK, I financed a car from Wells Fargo Bank 2 years ago. I had been working at my current job already a year. Well, 1/26/09 I was laid off from my job. I always have had very good credit. When I got laid off from my job with no chance of return. Like the rest of the 60 to 75% of America is going through down sizing. And with not many jobs out there I knew I had to do something. Plus on top of all of this I am a single mom trying to raise 2 teenagers. So I decided to let the Car go.
I had received a severance package from my job upon being laid off. It wasn't much. But, it did buy me another car cash to drive around town in. I called up Wells Fargo Bank out of to tell them my story. They told me to first go to 3 car dealers first before handing over the car. They wouldn't give me one of their local bank locations to drop this car too. So I did as they said and I call them up and asked them OK.
Here are my appraisals from 3 different car dealers. Now what? The man at Wells Fargo Bank tells me to hold on the phone a minute. Then he comes back on the phone and tells me that the highest bidder was not enough. And that they Wells Fargo was not going to accept it. Hey people were talking $10,000 dollars here. That isn't pocket change you know. So at this point I was very upset. And I told them you mean to tell me that you will not accept this offer because it's not enough towards what I owe on this loan. And the man from Wells Fargo said "That's right."
NO wonder Wells Fargo needed a bailout from the Government. They would rather come and pick up the car with no monies paid towards what I owe them Than accept $ 10,000 dollars. I WANT TO KNOW WHERE MY BAILOUT MONEY IS??? I told him I could not afford to keep this car and its full coverage insurance because of unemployment and other reasons.
And he was rude to me and suggested that I go out and find a job to pay for this car. I told him that car will sit with no insurance on it and I won't pay a dime. I told him I will call the attorneys General's office and file a complaint against them. He laughed and said to me that won't help you this is a federal loan. And he also informed me that Wells Fargo has ways of making me pay for this car loan.
He made it sound like Wells Fargo could sue me for this loan. I laughed at this point because I don't have anything that they could get. But, it left me wondering. I didn't know what he meant about a federal loan. Still no location to take this car. And as long as this car is in my hands I am responsible for full coverage insurance on it. God forbid something happen to this car in the meantime.
Also this situation has caused me a lot of mental pain and sleepless nights. If something happened to the car That would just prolong this problem. Meanwhile the car that I purchased with cash money must sit. Because of no License plate. Because I was going to transfer the license plate tag from the Wells Fargo Car to my Paid in full cash car. If only that would have been the case.
If I could have transferred that tag to my other car without any problems it would have only cost me $130.00 Dollars. But, because where I live I can't have a car without a license plate on it. I am forced to go buy a new plate for my paid for cash car at the price of $320.00 Dollars. I don't have the extra $ 320.00 dollars to do this. So I went and sold off some of what I have of my diamonds and gold jewelry to gather up this money. It's not much. I'm not wealthy by no means. All because of Wells Fargo and the making me wait all this out.
My boyfriend suggested I get Prepaid legal services. So I decided he was right. I need legal advice at this point. Prepaid had told me that they could send Wells Fargo A letter to find out a local location to where I could bring this car back to them. But, don't forget it takes 3 to 5 business day to mail to California. SO a letter there and a letter back from them. You are looking at at least 2 weeks maybe. So I'm looking to probably file for bankruptcy.
I will know more tomorrow on this case. 3/3/2009. When I see this attorney. Does anyone know if there might be a class action lawsuit against Wells Fargo?? Because if there is one, I want to sign up for it. This situation has caused me a lot of mental anguish and has disrupted my family.
My family and I were involved in a fire in January 2013... Our home was destroyed and we lost everything including our family dog. We had to jump from a second floor window to save our four children. The community was quick to respond and letters and donations were quick to come in. A modification was suggested to us as we were still paying a $1500 mortgage for a home we weren't living in and my husband had been laid off the month before. We gratefully went this route as we were trying to replace everything that had been lost.
After negotiations between our adjuster and the insurance adjuster were completed, a check was sent to cover the cost to rebuild our home. This was two months since the fire. In that time we had been living with my in-laws because our policy didn't cover temporary housing. Finally rebuilding was supposed to start. Not so.
The insurance company sent a check for the agreed upon amount but Wells Fargo was reporting almost $25000 less than the agreed upon settlement. My adjuster was angry needless to say and started asking questions. Wells Fargo had received the money and said they were holding back that amount in case of over costs. No one was very happy over this but it was a small detail and we were anxious to get the work started. Again not so.
We were told because we were in the middle of a modification that they weren't releasing the money until it was settled. One month we were told. Since we were told this, we have gone through a long process of never ending paperwork. We are told to fax this and send that. We do not receive a response to anything unless we call, and when we do we are told that we need yet another piece of information that we weren't told about two weeks prior.
We are now at the end of June 2013 and days from July and told that we needed yet another piece of information. (Please remember the fire happened in January.) This is the same piece of information that my HR at work has written a letter about on at least two other occasions. But now I have had to send to the Chicago home office to get the Head of Human Resources to write about. This piece of information? My job donated money to the family to help us after the fire and is on my pay stub. My HR has written two letters and I sent a signed affidavit stating that this was a one time gift. Not good enough.
In the meantime, my family is still living with my in-laws in two rooms. My children have lost their dog and home. They ask when are we going home. How do I explain to them that Wells Fargo has our money but won't release it and the modification that was supposed to help us is actually holding us back?


text:
US Airways flight 1549 was forced to make an emergency landing in the Hudson River because it was disabled after hitting a flock of Canada geese. Bird strikes cost the aviation industry more than $1.2 billion every year, and a large number of those are due to Canada geese. The problem is that birds react to a very different set of visual stimuli than humans, so it's hard to stop them from flying directly into a vehicle. But now science has an answer: Switch on the lights.
Researchers from the USDA, and Indiana State University and Purdue University just published a paper looking at how to scare off birds from flying vehicles, which they otherwise might be tempted to smack straight into.
The team sent up three radio controlled aircrafts, and watched how a population of geese reacted. One of them had a 2-Hz alternating pulse of two lights, one had its lights off, and the other was designed to look like a predator. The geese treated the predator craft and the lights-off one the same, hinting that geese see and react to aircraft like they do predator animals. But with the blinking lights? That's when the birds took notice the fastest.
Sure, these results are from captive birds, and small, slow-moving radio-controlled planes, so a flying flock may react quite differently to a commuter jet. But if something as simple as adding pulsing LEDs could save billions in damages every year by being significantly easier for the birds to see, maybe the airline companies will embrace it.
Shutterstock photo by SVLuma


text:
In this lesson, students explore the cultural significance of masks by investigating the role they play in ceremonies and on special occasions in societies from widely separated regions of the world. They then reflect on masking behavior in American society, such as at Halloween and in the circus.
What can masks tell us about the people who make them?
While it is perfectly fine to enjoy masks from many cultures as rich, colorful works of art, one can gain a deeper understanding by considering how masks are used in a particular culture and the meanings that the tradition-bearers bring to them.
In general, masks have two important social functions: (1) they provide a disguise for the wearer and (2) they allow the wearer to assume the identity, at least temporarily, of some other person or being.
An individual in clown makeup, for example, is allowed in most societies to behave in ways that would otherwise be deemed inappropriate or offensive. This is certainly entertaining to the viewers, but it also highlights and presumably conveys something about the boundaries of what is appropriate in that particular society.
Traditionally, masks are often worn at dangerous times of "border-crossing" -- what anthropologists call periods of "liminality" -- such as funerals or the planting and nurturing of spring crops. Not unexpectedly, these are also times when the spirits are in closest contact with the people. In religious rituals during these times, the person wearing the mask often becomes the spirit being represented, or at least serves as a medium through which the spirit is allowed to communicate with the people, as in many American Indian and African societies.
Of course, masks can also serve as simple enhancements to story-telling, as a way for actors to "disappear" into the roles they are playing (Japanese Noh masks, for example). Yet even this use of masks can be more complicated than one might suppose: at one time, for instance, Korean masked dance troupes ritually burned their masks after they had been used, suggesting that an element of religious tradition had carried over to the stage.
Divide the class into small groups. Provide each group with pictures of masks from three cultures, but do not tell students where they are from. All groups can work on the same three masks, or you can vary the assortment. Select examples from these EDSITEment websites:
A Collector's Vision of Puerto Rico: masks created for the annual carnival celebration held in the weeks before Ash Wednesday at the town of Ponce in southern Puerto Rico.
The Arctic Studies Center: masks created by the Yup'ik people of Alaska for use in storytelling dances and ceremonies performed during the long winter darkness of the Arctic.
Art and Life in Africa Online: search the Stanley Collection at this website (select "mask" in the search engine's pop-up menu) for more than one hundred masks created by people throughout Africa.
Have the groups produce a brief catalog description for each mask, including a description of its appearance and hypotheses about its use and where it comes from. Students can imagine themselves museum curators or appraisers like those on the popular public television program, Antiques Road Show.
Have a representative from each group present their favorite mask to the class. Encourage discussion by raising questions about the kinds of information students gathered through observation and the bases for their hypotheses. For example: How can you tell the difference between a smiling mask and one that is snarling or threatening to bite? Can the meaning of facial expressions differ from culture to culture?
Conclude this discussion by having students suggest questions they would ask in order to understand the cultural significance of a mask. List their suggestions on the chalkboard. Among the questions that might appear on their list:
Provide each group with background information on their masks (available at the websites listed above) and maps they can use to locate the regions where their masks were created. You can print out outline maps of the Caribbean, the Arctic, and Africa in the "Atlas" section of the National Geographic Xpeditions website on EDSITEment.
Have students pair-off in their groups to revise their catalog descriptions, giving each pair one mask to work on. Direct students to use the background information to answer the questions they listed as important for understanding the mask's cultural significance. Have them locate where the mask comes from on the appropriate map and organize the other information in a chart or with bullet-points. Advise students that they might not find answers to all their questions.
When they have completed their research, have students share information in a "show and tell" class discussion. Display the masks in different groupings to highlight similarities and differences. Some suggestions:
Conclude the lesson by talking about the use of masks in American society. Students might mention Halloween, Mardi Gras, masquerades, theatrical performances, the circus, or clowns and mimes in mask-like makeup. How do these uses of masks compare to their use in traditional societies?
Collaborative or Take-Home Activity
Assign a take-home activity, or work with you school's art teacher to have students design or make masks for an appropriate occasion in their lives -- a holiday, a birthday, a personal milestone, a family event -- and produce a catalog description of the mask that explains its cultural significance.
2 class periods


text:
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|April 22, 2012, 06:58 PM
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|April 22, 2012, 07:18 PM
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owner: who is it?
perp: candygram
owner: huh?
perp: i'm not a masked intruder with a gun or anything.
owner: ok, come on in
|April 22, 2012, 08:00 PM
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|April 22, 2012, 08:17 PM
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Join Date: December 12, 2010
Location: Kentucky
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Two words. Security camera.
They can be inexpensive and in many instances wireless. They are often easy to hide as well.
|April 22, 2012, 09:33 PM
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Join Date: May 22, 2007
Location: Arizona
Posts: 4,674
Three words, "security screen door". I have multiple ways to watch the front door, but if I absolutely HAVE to open the door, you still face a tough, hard to see through security screen door of metal.
Good that the defender made it through OK.
|April 23, 2012, 09:23 AM
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Location: Rebel South USA
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I am glad it worked out well for the home owner but I will never understand some peoples overpowering urge to open the door. If I dont know you, have not invited you...I dont answer the door (even when I know they can see me watching tv from the 6inch side lights)
Life is a web woven by necessity and chance...
|April 23, 2012, 09:27 AM
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Good no matter what the after thought is there is one less crook walking the streets wanting to do harm to people.
|April 23, 2012, 12:36 PM
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I'll bet the homeowners ears are still ringing.
Bottom line is though BG is dead, homeowner + GF are OK. AR-15 saved the day.
My dad did that to me once...except the intruder was a woodchuck that ran into our garage. To this day I would have rather been the one with the gun than the one opening the garage door...
|April 23, 2012, 01:09 PM
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I must say this thread has opened my eyes. After lurking around for quite some time I have to finally say thank you to the people on this board for giving me more awareness into a growing facet of my life. I would of never been made aware of this had I not joined some sort of firearm forum.
I just recently, over the last 2 months, acquired the "bug" for shooting and firearms knowledge. I am hoping to make it a hobby that I can enjoy till the day I pass on. Being new to this I have told just about all of my good friends, my mother and my girlfriend of my new found hobby. Now I know when I start to actually purchase guns and safes and things of that nature to be very "hush hush" on who I release the information to. Also, those who are told are to not release the information to others in a irresponsible manor.
I would of never of thought of this as being a reason why someone would go out of their way to invade my home and possibly harm me or my family. And I am especially appreciative of this seeing as we will be welcoming a new life into our home in August so providing and protecting my first child is the number one concern for me in life.
Again I say thank you all for the litany of knowledge I have been able to learn over two short months and apologies for the long winded response.
|April 23, 2012, 03:41 PM
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Home owner should have called out, asking who it was. Then the nice sound of a shotgun being racked would have been a nice deteraint. But if all he had was the AR, then that is what you have to use, glad they were OK.
|April 23, 2012, 04:04 PM
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There are so many things in here as far as tactics...
Having visibility to the area around your entranceway
Other windows
Having a secondary door like a security storm door
Not opening a door when something is suspect - like not being able to see who is there, or something odd about the situation.
There are a lot of points, but the one that sticks out for me is that opening a door with a long gun is pretty tricky. Most long guns are deployed with two hands. Despite all the other things listed above, it would have been a lot easier for him to respond with a handgun.
The fact that the resident got pushed to the wall indicates to me that the intruder was close enough to grab the rifle... he just failed to.
|April 23, 2012, 05:46 PM
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Your home. Does not matter you are the home owner or a tenant. People try to harm you, you defend it. If you are a tenant your landlord will not let you make extra peepholes, nor to do alterations to the property. You always have the right to defend the best way you can. If you did and there is one less bad guy in the world, congratulation! How you did it is your business. I am sure everybody defends their life and their family the best way they can.
|April 23, 2012, 07:44 PM
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It's 11pm. The man/woman at the door is covering the peephole. The neighborhood (the residents' past history, etc) is apparently sketchy enough that this sets off alarm bells.
The residents called the cops: Great choice imho.
Maybe I'm too old, but if people are knocking at 11pm and not ID'ing themselves, they are probably not on my "friends list."
Whoever is out there WANTS you to answer the door blindly. That's in their tactical advantage. I"m voting for hunkering down and calling for the police, AR or no.
|April 24, 2012, 03:01 AM
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Posts: 236
Been in a home invasion before. Multiple armed guys. I did in fact open the door even after I already knew my mum and I were in grave danger. It was back in 1989. Mum went to the phone to call the cops and found out it was dead cut by the perps. At the time we did live in the burbs and we had some money at the house. Guy we loved and considered as close as family sold us out to his criminal friends we didn't know he had.
Don't be so judgmental if you are wondering why I opened the door already. My mum and I both naturally decided to open the door. The guys threatened to burn down the house with us in it. They had what looked like a can and they claimed it was full of gasoline. Once we realized we were out numbered, surprised, cornered and with no good options, that deadly fear and the warm smell of blood you feel in your nose when you know you are about to die washed over me. I lost all fear and felt like I was in a trance. The outer body experience of watching a movie that you are in set it.
Truth is neither my mum or I can really give you a logical answer why we decided to let them in. We just did. There was no fear no nothing, I just unlocked the door let them in. To this door my behavior has puzzled me. It would appear when you loose all hope you just tend to go along with whatever your tormentor asks you for. Strange but true. I had a cross bow with a bolt ready, but I just calmly put it down. It may have saved our lives, but it was not a calculated or rationally thought out act.
If that was now, I wouldn't be so cooperative. Someone would have some lead embedded in them real fast am sure. Atleast I think so, but only way you ever really find out is when the real thing happens.most of the time you are not even close in terms of what you think you'd do.
|April 24, 2012, 03:39 AM
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Join Date: December 21, 2000
Posts: 4,193
I'm still trying to figure out why he opened the door without knowing who was there. Also, why didn't he wait for the police to arrive before opening the door? Just because someone knocks, especially late at night, doesn't mean you have to open the door. He put himself and his GF at great risk by letting the assailant in the apartment.
Never open the door unless you KNOW and TRUST who is there.
|April 24, 2012, 05:40 PM
Senior Member
Join Date: May 22, 2007
Location: Arizona
Posts: 4,674
dec, don't leave us hanging - what happened? Did everyone get out of that one all right?
|April 24, 2012, 07:37 PM
Junior member
Join Date: April 21, 2011
Location: Illinois
Posts: 4,555
Well it's a bit of a thread detour, but guys standing in front of your door with a can of gas threatening to set fire to your house unless you capitulate:
This is when a .44 magnum or something like 10 ga with #000 Buck comes in handy. They get a lesson in the difference between cover and concealment. Or they're going to learn the second use of a peephole for a resident - used by the resident to line their gun up on target. And then they're going to get lead & wooden splinters.
|April 25, 2012, 01:01 AM
Senior Member
Join Date: September 5, 2009
Posts: 236
Guys please excuse my detouring the thread here, I just like to respond to armored. Maybe we can all learn from the experience.
Armoredman,I have been a bit busy. But back to your question we all got out alright. Even the perps thankfully. They all got caught thanks to their sconned mastermind. Like you wouldn't believe it, he was among the neighbors who came over to offer their sympathies. But you know what they say about cops having a sixth sense? Sometimes they can smell a perp. We were heartened by his sympathetic posing, but it caught the attention of one of the investigating detectives . He immediately told us he had a hunch our friend was in on it, and that to try and get him to come over the next day when the detectives would be back again to see if we had any new recollections or discovered what else they took.
So next day he was conveniently there and when interviewed about the prior week snd then he was pressed, he left a few too many clues so they arrested him on a different unrelated charge then let him bond out. His buddies then didnt give him his fair share and he having been the source was so angry when he was offered a chance to help the detectives so they'd go easy on the other charge, he ratted them out but claimed he overheard about their involvement. He was hoping to get them in trouble without implicating himself. He got arrested along with the entire crew. Got charged with receiving stolen property, aiding and abetting, as he was the lookout. The othe 4 guys got convicted of armed roberly and kidnapping. One of them got attempted murder for trying to run me over with a truck. God was with me that night. I fell trying to run away and the truck went over me but I didn't have a scratch on me. I just went under and between the wheels. He would later reveal he was stoned on crack because he didnt have th nerve to do a robbery without a little help.
The guys were not too smart. They started fighting among themselves over the loot and were all arrested within a week. Two of them were barely 20 blamed the older guys but it didn't work in court. They told the judge they did it for money for drugs. That they were misled by their older buddies.
I believe reason we didn't get killed or seriously harmed was because we didn't resist. My mum is very small couldn't physically do a thing to any of them. Myself I was 18y/o teen who didn't have much of a clue what to do. But the whole opening the door thing is strange. I mean I did open the door too, and I still can't explain it. It's weird. You just kind of open it and feel like you are I. A trance. You are not even afraid. I think it might be the mind resigning to the fact that the thug(s) will do what they cme thre for no matter what you do maybe. I used to be scared cat honestly, but when it happened I just opened the door and they came in. We had never ran over that scenario and made plans as a family. If we had, outcome would have been different. I don think I'd ever have been dumb enough to open th door.
My suspicion with this guy is he much like us had never run such a scenario in his mind therefore he had no plan at all. Under pressure, you can't think straight and instead go into auto-pilot mode and react based on prior practice or thoughts so incredibly stupid stuff can happen because from my own experience I can tell you there is not very much thought at all let alone rational thought. You just kind of act.
Last edited by dec41971; April 25, 2012 at 01:34 AM.
|April 25, 2012, 02:08 AM
Senior Member
Join Date: December 21, 2010
Location: Central FL
Posts: 1,360
Thanks for sharing that story, and its great to hear it had a positive turnout. Must be a scary experience though!!
Back on topic, sometimes my go-to HD of choice is my AR because it is the only weapon in the home (when I leave the pistol in the car).
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Executive Summary:
SQL Data Generator is easy to use and generates data quickly. It offers a wide assortment of "generators" that you can select from and assign to each column, as well as canned data generators to generate commonly occurring types of data, plus the ability to import data from .csv files and other files and to create custom generators.
I've been using Red Gate Software's SQL Data Generator 1.2 for a while now and have really grown to love it. I've used it to create sample data for development and testing and to quickly populate tables to validate performance requirements and address capacity planning needs. I've also used it to generate a whole suite of intricately related data (nearly 1GB in size) for a sample data warehouse. In all these cases, the tool performed admirably.
The first time I used SQL Data Generator, I needed to get it up and running quickly. Happily, installation was a breeze and within a few minutes it had generated my data. The intuitive UI uses the concept of "projects": With each project, you point SQL Data Generator at a target database, let it read the schema, then specify how many rows you want loaded into each table. You can also save projects to re-use your specifications and customizations for each data-load operation.
The tool really shines when you're specifying the kinds of data that you want to generate for each of your tables. It offers a wide assortment of "generators" that you can select from and assign to each column: simple generators for generating sequential or random INTs and UNIQUEIDENTIFIERs, and weighted-list generators, which let you manually create lists of data and weight the frequency at which each item should appear within the generated results. You can also use Foreign Key Generators to pull in data from a reference table, and SQL Statement Generators, which let you provide a connection and a custom query for generation purposes. A handful of business, personal, and other types of canned data generators make it very easy to generate commonly occurring types of data. And if these data generators don't meet your needs, you can import data from .csv and other files or create custom generators.
One of my favorite generators is the RegExpGenerator, which lets you specify a regular expression that the tool basically turns in to "regex in reverse" for population purposes. Besides letting you combine data and contents from flat files, it also provides a very powerful way to generate sample and test data that represent a wide variety of cardinalities for performance testing.
Best of all, with each generator-to-column mapping, you can specify whether values should be unique or not as well as what percentage of values should be NULL (assuming NULLs are allowed) and even set the seed used for randomization. And, as you can see from Figure 1, all of this can be managed from within a very easy-to-use UI.
SQL Data Generator provides the option to bind your own scripts for execution before and after data generation. This can help in preparing an environment for rapid-loading, and I've found it very useful in ensuring that my parent-child relationships are temporally viable.
Given how easy SQL Data Generator is to use and extend, how well it performs, and how quickly it pays for itself by providing real value at a cheap price, I honestly don't think that any serious developer or DBA should be without it. It's a great tool with lots of real-world potential. Michael K. Campbell ([email protected]) is a consultant with years of SQL Server DBA and development experience. He spends most of his time engaged in consulting, technical evangelism, and creating free online SQL Server videos.
Red Gate Software SQL Data Generator
PROS: Enables quick and easy generation of sample data for SQL Server 2008, 2005, and 2000; addresses real-world data-generation needs
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RECOMMENDATION: SQL Data Generator is ideal for creating sample and test data for QA, development, performance tuning, and capacity planning.
CONTACT: Red Gate Software • www.red-gate.com


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Mark J. Tidwell
I've been enjoying some of my summer's work the last few cold days. When temperatures dipped down into the teens, and snow was blowing by horizontally in a stiff wind, a good fire sure did wonders to stave off the chill. A fire has an unexplainable magic and calming effect to it. One can contemplate many things while gazing into the blaze. I suppose that can be traced back to the days of "Og" when man first utilized fire to stay warm in the cave and keep critters at bay.
Taking Christmas into the New Year
"…and you shall call his name Jesus, for he will save his people from their sins" (See Matthew 1:21 , RSV)
LaFollette Press:
On behalf of the members and volunteers of the C.C.W.C we would like to say a special thank you to all of the businesses and individuals that contributed to our 2010 Helping Needy Families Program. We would like to take this opportunity to say thank you to all of the individuals and businesses from Campbell County and surrounding counties that made donations to help us assist a lot of families that needed help during The Holiday Season.
I have said before, and I'll say it again, I take pride in my work.
I knew before I started school that I wanted to be a writer. Majoring in journalism I studied the profession. Years later I am still learning the tricks of the trade.
The problem I have is with some people masquerading as journalists. It has taken me years to understand and implement the Associated Press style of writing, to actively engage the audience in one sentence and to compassionately write heartbreaking stories in a newsworthy tone.
It's not easy.
LaFollette Press:
I would like to express how grateful and what it meant to me to see in The LaFollette Press that Jesus is the reason for the season. The poem, Twas the Night before Jesus, is so true and a blessing. Most stores you go in cannot say Merry Christmas. I'm so glad for boldness of people who will stand up and tell others, Christ is Christmas. So thank you again for wishing everyone a Merry Christmas.
Happy Birthday Jesus.
Brenda Sue King
Copyright © 2018
The LaFollette Press is your source for local news, sports, events, and information in Campbell County and LaFollette, TN, and the surrounding area.


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Get ready for a manicure you'll want to last forever! Step away from the simple hearts and stars and pump up your polish with a cuticle-to-tip pattern. Nail guru Pixie Polish shows you how to create a tribal-inspired design that uses bright turquoise and purple nail polish colors. The vibrant tones put a modern spin on this look, but you can mix and match colors any colors you like.
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University of Missouri
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Is it possible to design a better stop sign?
Check out our Magnum Photos gallery of stop signs.
In an Internet parody called "The Process," a designer is given a corporate gig with a simple brief: to design a new stop sign. "We're seeing reports that people don't know what to do at an intersection," he is told, and from there it descends in an absurd spiral of tweaks and redesigns, with the designer's creative vision cast against the slow strangulation of groupthink. While the video is a hilarious send-up of the corporate design process, its premise—that designing an effective stop sign is actually a simple task—couldn't be farther from the truth.
In reality, the design of the stop sign, however seemingly settled, is not necessarily ideal. In 1998, for example, there were more than 700,000 crashes at intersections marked—or "controlled," as engineers say—by stop signs. More than 3,000 of these were fatal. Laura Bush's new biography, Speaking From the Heart, highlights the stop sign's role in the fatal crash she caused in high school: She drove through an intersection marked by a stop sign, striking the car of a good friend and killing him. She notes, among other factors, that the stop sign was too small (current signs are larger, and mounted higher, among other changes).
We don't know what the fatality numbers would look like if modern stop signs were replaced by something else or taken out altogether, but the fact that the sign is at least indirectly implicated in several thousand deaths and hundreds of thousands of injuries every year suggests that traffic engineers should at least look into improving, or replacing, the device.
Indeed, Gary Lauder, a Silicon Valley entrepreneur, was just the latest to propose a redesign of the stop sign during a recent and much-discussed TED presentation. Using the example of a three-way intersection in which a minor road ended in a "T" at a major road, with stop signs all the way around, Lauder calculated that the stopping led to a collective yearly loss in fuel and time valued at roughly $112,000. Why not just use a yield sign on the minor approach? Well, at certain times of the day a queue backs up there, and cars have trouble making the turn. So Lauder proposed a hybrid "stop-yield" sign, simply labeled "Take Turns," paired with the instruction: "If cars are waiting please stop and alternate."
More on the viability of Lauder's design in a moment. But first it's worth considering how we got the sign we have now. Like many forms of traffic instruction, the stop sign has murky origins. It was adapted from railway controls but without rigorous scientific testing. As Kenneth Todd has pointed out, "the traffic control system developed piecemeal. … [W]hen large numbers of automobiles burst on the scene early in the century, political pressures, guesswork, and panic measures served as substitutes for scientific expertise." Indeed, historian Clay McShane writes that in 1914, "Detroit police sergeant Harry Jackson cut the corners off a square sign to create an easily recognized octagonal shape for first red stop sign or 'boulevard' stop." (The signs were controversial: McShane notes that "Illinois courts briefly ruled stop signs illegal in 1922 as a violation of the rights of individuals to cross streets.") By 1927, a rough standardization of the sign was set in place by the American Association of State Highway Officials. An octagonal shape, with red letters on a yellow background. It wasn't until nearly three decades later that the current design—white letters on a red background—was settled upon, in a 1954 supplement to the Manual of Uniform Traffic Control Devices, the operative rulebook for traffic engineers. Is the current design as good as it could be? There are two ways to think about that problem. We must ask: Do drivers see stop signs? And, more importantly, what do they do when they see them?
For nearly a century, it seems, drivers have been ignoring stop signs. In a 1934 study published in the Journal of Social Psychology, for example, F.H. Allport examined driver behavior at an intersection with a stop sign with approaching cross traffic. A majority (75.5 percent) of drivers came to a full stop—no surprise given the imminent danger. But what about in cases where no cross-traffic was visible? Would people still stop? A 1968 study in Berkeley, Calif., published in Law & Society Review, found that just 14 percent of drivers brought their cars to a full stop "without being forced to do so by cross traffic" (the so-called "California roll" was the norm).
No one has more doggedly pursued the question of stop-sign compliance than John Trinkaus, who conducted an annual stopping survey at the same intersection for nine straight years in the 1970s and '80s, finding a creeping decline. In his culminating 1997 masterwork, "Stop Sign Compliance: A Final Look," Trinkaus revisits his old intersection and finds that the percentage of people making a full stop had dropped from 37 percent in 1979 to a mere 3 percent.
Why did this happen? There are several ways to read the data (and they are not necessarily mutually exclusive). On the one hand, traffic is a social environment, and authors like Robert Putnam in Bowling Alone, or Jean Twenge in Generation Me, have argued that stop sign scofflawism is one minor indicator, among many, of a larger societal shift: a decline of civility and reciprocity, a lesser willingness to follow social rules. The argument is that a society marked by increased self-regard (and hence less regard for others), has neither the inclination nor the situational awareness required to accommodate others, whether by signaling one's intentions, stopping for pedestrians in a crosswalk, or heeding the familiar red octagon. On the other hand, traffic engineers have long known that excessive signage declines in effectiveness. This points to something of a Catch-22. Residents of a neighborhood may complain about drivers speeding down their street and petition the city to install stop signs. But stop signs are not a safety device as such, nor a traffic-calming device: They exist to assign right of way. Faced with more stop signs, some studies have shown, drivers may actually drive faster to make up time lost for stopping at (or really, slowing through) the intersection; the more signs installed, the lower the compliance.
John Staddon, a professor of psychology at Duke University, notes another problem: "The overabundance of stop signs teaches drivers to be less observant of cross traffic and to exercise less judgment when driving—instead, they look for signs and drive according to what the signs tell them to do." He reserves particular opprobrium for the four-way stop. The rules of engagement are somewhat informal—most drivers take it to be "first in, first out." What if two drivers arrive at the same time? Traffic laws state the driver to the right has the right of way (good luck with that). If four cars arrive simultaneously—well, it's best that they do not. "Remind me," asks Staddon, "aside from bewildering the driver, what's the point of stopping traffic in all four directions?" The four way stop, he argues, "weakens the force of all stop signs by muddling the main question drivers need to answer, namely: Which road has priority?" (One thing four-way stops have in their favor, however, is a superior safety record to two-way stops—and to traffic signals, for that matter).
Which brings us back to Lauder's suggested "Take Turns" sign. In the rarefied TED air, where the world is being saved and the old certainties boldly challenged by 15-minute PowerPoints, the idea seems sensible and perhaps even inspired. But the world of traffic is a more complicated place. For one, given the lack of compliance at stop signs, what's to ensure proper behavior in a less clearly demarcated situation? What if three cars approach simultaneously? What if a driver approaching fast on the main road assumes that his speed gives him priority, while the entering driver thinks the fact that he's pulled up to the new sign first gives him priority? (The costs estimated by Lauder in lost wages and fuel are vastly less than the costs of a fatal crash). And what should cars do if pedestrians are present? Lauder is right about the futility of that intersection, but wrong in his solution: If the money saved could indeed buy the adjacent property, then the best solution would be to simply install the safest and most smoothly flowing solution of all: A roundabout.
Of course, there are plenty of intersections in America that are "uncontrolled." In Portland and Seattle, for example, local neighborhoods are filled with any number of four-way intersections without any signs. And somehow drivers continue to negotiate these intersections safely, year after year, in the absence of clear instruction.
If traffic volumes rise above a certain threshold or a crash pattern evolves, other measures are taken—a roundabout may be built, traffic-calming measures deployed, or signage installed. And it is these latter cases, when some form of signage is required, that brings us to the question: Does the stop sign need to be reformed? Actually, the "stopping occasion," as the viral parody put it, has been tinkered with quite a bit. Engineers have sought to remedy visibility and compliance problems by adding any number of add-on accessories to the stop sign, among them "stop lines" painted on the road, rumble strips in advance of the stop, or flashing red lights on top of signs. One study tested a stop sign beneath which were posted a pair of LED eyes, roving back and forth—the idea was a meant as a reminder to look both ways. The study reported a reduction in "right-angle conflicts"—the most dangerous thing about intersections—though this may have merely been a novelty effect.
Interestingly, eyes were more effective than a "look both ways" text add-on. But what if the sign is not visible to begin with—what if it's obscured by a low-hanging branch or a double-parked truck? That's the thinking behind a new stop sign treatment being tested in Nye County, Nevada. Called "Drivers Alert," it attaches a secondary stop sign to the back of the stop sign across the intersection, giving the driver two chances to see the sign. It also graphically advises whether cross traffic is meant to stop or not, a fix that others have suggested. (Some engineers have proposed making stop signs at two-way stops orange, to immediately distinguish them from four-way stops.) Whether this effort is superfluous given existing visibility-reinforcing treatments (e.g., the stop bar) or, per Staddon, simply gives the dumbed-down driver more things to look at apart from what's happening on the road itself is open for debate.
The proposed solution also raises the interesting question of how we see (or do not see) stop signs. In large part, we see stop signs because they tend to exist where we expect them to exist (trouble begins when our "expectancy" is violated). But in crashes, the largest problem is not visibility but driver behavior—drivers either do not come to a full stop or pull out too close to an approaching car (one study found that only 17 percent of crashes at stop-sign controlled intersections involved drivers who "blew" the sign). In this regard trying to improve driver behavior through better signage is as futile as fighting illiteracy with better fonts.
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Ludlow Classic-fit suit jacket with center vent in Italian wool
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Samsung Galaxy Note - Delete all contacts
Factory OS: Android 2.3
Have you updated your Operating System?
Then view tips for the most recent OS version(s): Android 8 (Oreo) & Android 7 (Nougat)
Or view tips for all Android versions
Delete all contacts
To delete all contacts, there a number of methods you might need to try. Note that the first two of these may be disabled on some networks/carriers, or Android versions.
1) Go to Settings – Applications – Manage Applications. Then chose All at the top. Then scroll down to Contacts Storage – B21Clear Data.
2) Go to Contacts. Then press Menu – Delete. Then press Select all (at the top) and then Delete again.
3) Go to Settings – Accounts and sync. Then untick Background data and Auto-sync. Then go to Gmail (or an account that your phone syncs with) and delete all of your Contacts from there. Then re-sync your phone.
4) Download an App called 'Delete All Contacts' and use that as a last resort.
These methods above will delete contacts from the Phone only, not the SIM card.
We have 99 tips for the Samsung Galaxy Note.