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Southwest Ranches crash leads to amputation
<html>my best friend's step-aunt makes $82 an hour on the computer,Carmen Ortega Claims she was LeBron's Mistres. She has been fired from work for 8 months but last month her pay check was $16450 just working on the computer for a few hours,Syria to let UN inspectors visit site of alleged chemical weapons attack. Go to this web site and read more... ,Report- Apple's Future of TV Is an Actual Television;w w w,New deal starts AFL season early and boosts cricket.C a f e 4 4,SXSW 2013- Joseph Gordon 0.c o m</html>
NFL Team Loyalty Ranks a Little Off 0
<html>Dec 23, 2012; Arlington, TX, USA; Dallas Cowboys fans holds a sign prior to the game against the New Orleans Saints at Cowboys Stadium. Mandatory Credit: Matthew Emmons-USA TODAY Sports I’m sure everyone has read the poll virally making its way across the internet.? It shows the most “loyal and supportive” fanbases for each team.? It’s calculated,Pics- 4th of July 2013 at Lake Tahoe, basically, on a combination of win/loss record,Youre Next, if you enjoy horror, area population,The Wolf Among Us- Debut Trailer_0, median income and so on and so on to find which fans always show up.? What they got was a list teams that ranked in order from most loyal to least loyal.? It looks like this:
I’ll start by saying that I am not one to deny statistics.? I am a science student and I love facts and evidence.? But it is easy to get mixed up in what observational data actually says.? The Dallas Cowboys are ranked number one.? This basically means that the Cowboys home games are almost always sold out and at the same time, costs a butt-load.? The stands are always full no matter how horrible, how putrid, how ridiculous, and how much Tony Romo is your quarterback.? You can go to the Arctic Circle in Alaska and find a Cowboys fan.? Does that mean they are the most loyal? NO! Of course not, it just means that they have mass appeal.? It means that they were branded unfairly “America’s Team” and every country boy, red blooded American that loves flags, BBQ, and Beer loves the Cowboys.? It means that there is so little to do in Dallas and the surrounding Texas area that fans would rather go to a game where the boys might win for ?way more money than anyone should ever have to pay for a four hour event and way more than anyone should have to pay for a cup of beer and a hotdog. ?I don’t consider that supportive, I consider that blind.? Very few people will rival my loyalty to the Falcons, but I’m not going to spend good money on a game that they have very little chance to win when I can stay at home and at least burry my head into a basket of wings. Too harsh?? Maybe, but I don’t care. I’m not going to claim that the Falcons fans are more loyal than Giants fans or even Cowboys fans, but they aren’t 31 out of 32.? If the difference between how many tickets were sold for the upcoming 2013 games and how many tickets were sold in 2007 (for example) is what drove down the rank of Atlanta,All eyes on Daniel Ricciardo in Spa as favourite f, the biggest hole in the study is how high Jacksonville is ranked.? They couldn’t sell out a game when they were good! (When was that?)They are at a constant amount of dismal ticket sales.? They have to build America’s largest jumbotron and play other games on it just to get fans to come to the games! If the Jaguars consistency sales are what keep them at 27, there is a problem with the means of collecting data.? My god,Denver sets precipitation record on Thursday_0, I went to Disney in Orlando and didn’t see a single Jaguars hat or shirt before I saw Texans, Vikings, and Browns apparel. Probably the most apparent sign that this study doesn’t show the “Loyalty” of fan bases is where the Green Bay Packers are ranked.? At 14, the Packers should be right near the top.? The waiting list for season tickets in Green Bay is over 1,000 years.? The amount of loyalty and fandom in Green Bay is too hard to describe in words other than everyone in Wisconsin loves their packers like the first time you ever fell in love at all times no matter what. Please tell me I’m not the only one that doesn’t find this study very amusing.</html>
Miami Heat head coach Erik Spoelstra deserves more credit fo
<html>The beat the in Game 7 to win the , clinching back to back championships. has won back to back NBA Finals MVPs, and regular season MVPs. He carried the Heat all year long, and was deserving of the award. got a season saving rebound in Game 6, which led to ever so clutch 3 pointer that tied the game. Bosh also blocked last second attempt to tie the game in OT.
LeBron, , Chris Bosh, and Ray Allen get almost all of the credit, and deservingly so, but there is someone who isn't getting enough credit than he should be; .
Once LeBron and Bosh came to town,Report- After injuring his ACL, Davis Bertans head, people said Spoelstra wasn't the right man for the job, and the Heat could find somebody better, like team president Pat Riley. Rumors were that Riley might take over the head coaching duties once LeBron and Bosh came in, but Riley believed in Spoelstra, he said he's the right man for the job, and he stuck with Spo.
Later in the season, the Heat reached the NBA Finals, only to lose to the . After this, a lot more people wanted Spoelstra gone, but Pat Riley still believed in Spoelstra.
The next year, the Miami Heat were in the Eastern Conference Finals against the . The Heat lost Game 5 at home with the series tied at 2 games a piece, which gave the Celtics a 3-2 series lead. Everything looked bleak for Miami, a lot of people said it was over, and they stood no chance in Game 6 on the road. If the Heat would've been eliminated, it was pretty safe to say Spoelstra would've been fired. Everyone would've been criticizing Riley as well, for believing and sticking with Spo for so long.
That didn't happen, the Heat have won back to back championships, and Spoelstra isn't getting much credit at all. LeBron deserves a lot of it,Lebron James picks top 3 NBA ballers of all, but lets give Erik Spoelstra some love for what he's done. Coaching in the NBA isn't easy, just look at how many open jobs there are each year, coaches are getting fired left and right.
Some people criticize Spoelstra with this statement "He has LeBron, Wade, and Bosh, of course he's going to win, he doesn't deserve any credit." OK, if that's what you truly believe, then doesn't deserve any credit either. Yes he has 11 rings,Garage sale dreams realized in Hidden Valley_0, but he had Michael Jordan, Kobe Bryant, and Shaq, of course he's going to win, he doesn't deserve any credit, right?
There's never been a great head coach who won multiple rings, and didn't have great players. Ultimately, that's all that matters, if you don't have good players, you aren't going to win, it doesn't matter who the coach is. But you have to have a good coach, is an example. The traded for him, gave up stuff in order to sign Doc. They could've signed a coach that was without a job, but instead they traded for Doc, who's a great coach.
I'm not saying Erik Spoelstra is the next Phil Jackson, or even Doc Rivers. Spo has one of the toughest jobs in sports,August car sales on track to be best since 2007, he's ultimately in a no-win situation. If the Heat win, LeBron gets all the credit, when the Heat lose though, Spoelstra receives criticism, along with LeBron. Let's just start giving Spoelstra some more credit for the Heat's success, he has done a good job weathering the storms for the Miami Heat,Ashes 2013- England v Australia, fifth Test, day five – in, and Riley's decision to stick with Spoelstra, has been validated.
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Take A Vacation With Southwest Airlines® CBS Chicago
<html>It was great while it lasted, but that’s a wrap for the hockey season. Basketball is also months away, and we’ve still got some time before football gets into full gear.
Why not take a vacation from sports during this lull, courtesy of Southwest Airlines ?
Southwest is connecting more people to more places, and now Southwest Airlines is giving you a chance to win round-trip airfare valid to any Southwest Airlines destination!
Take a vacation with Southwest Airlines ! We re connecting more people to more places from Chicago (Midway). Book now online only at . We are Southwest. Welcome aboard. No purchase necessary. Must be legal US resident 18 or above. Void where prohibited
“2013 ‘TAKE A VACATION FROM SPORTS WITH SOUTHWEST AIRLINES’” GIVEAWAY
OFFICIAL RULES
NO PURCHASE OR PAYMENT OF ANY KIND IS NECESSARY TO ENTER OR WIN. A PURCHASE OR PAYMENT WILL NOT INCREASE YOUR CHANCE OF WINNING.
1. HOW TO ENTER
a. These rules govern the “2013 ‘Take A Vacation From Sports With Southwest Airlines’” Giveaway (the “Promotion”) being conducted by WSCR AM 670 (the “Station”). The Promotion begins on Monday, August 12th, 2013 and ends on Monday, August 26th, 2013 (the “Promotion Dates”).
b. To enter in the promotion, you may enter online beginning on Monday, August 12th, 2013 at 5:00am Central Time (“CT”) and ending on Sunday, August 25th, 2013 at 11:59pm CT (the “Entry Period”) as follows:
c. To enter online, visit and follow the links and instructions to enter the Promotion and complete and submit the online entry form during the Entry Period. Online entrants are subject to all notices posted online including but not limited to the Station s Privacy Policy. Limit one (1) online entry per person or email address per day regardless if entrant has more than one email address. Multiple participants are not permitted to share the same email address. P.O. Boxes are not permitted. Entries submitted may not be acknowledged or returned. Proof of submission of an entry shall not be deemed proof of receipt by the Promotion administrator.
d. There will be up to a total of one (1) winner selected in the Promotion.
2. ELIGIBILITY RESTRICTIONS
a. The Promotion is open to all persons who are 18 years of age or older and who reside in Illinois, Indiana, Wisconsin, and Michigan. Employees of Southwest Airlines, the Station, the Station’s licensee (collectively, “Promotion Entities”), their respective parent, subsidiary and affiliated entities, Station’s advertising and promotional agencies and participating sponsors, other radio stations in the Chicago metropolitan area, the members of their immediate families (spouse, parent, sibling or child) and those living in the same household of each (whether related or not), are ineligible to enter or win. This Promotion is subject to all applicable federal, state and local laws and regulations and is void where prohibited. Entrants are responsible for complying with these Official Rules. Entrants must be a legal US resident.
b. Only one (1) winner per household is permitted in any Station-conducted promotion.
c. The winner may be required to present valid government-issued photo identification and must provide their complete address, date of birth and phone number to claim a prize.
d. Entrants are required to provide truthful information and the Station will reject and delete any entry that it discovers to be false or fraudulent. The Station will disqualify any entrant who does not meet the eligibility requirements and will also delete any entry as required by law.
3. PRIZES
a. One (1) Grand Prize will be awarded in the Promotion. The Grand Prize includes two (2) round trip tickets (winner and one (1) guest) to any Southwest Airlines? published scheduled destination/service (subject to Southwest Airlines terms and conditions; certain restrictions may apply). Southwest Airlines tickets will bear the date of issue and the date of expiration. Roundtrip tickets are valid for one (1) year from date of issue August 25th,Phil Mickelson Wins Back, 2013. Ticket expiration is August 25th, 2014. Expiration dates will not be extended, and tickets will not be refundable or redeemable for cash or credit at any time, nor will tickets be replaced if lost or stolen. Tickets are subject to Southwest Airlines terms and conditions. Tickets valid on Southwest-operated, published, scheduled service only in the United States and Puerto Rico. Tickets are not valid on code-share or AirTran operated service, or any international service. Tickets are not transferable and cannot be sold to a third party. No substitutions are allowed. Certain restrictions may apply. Travel may be booked up to 2 hours prior to departure and is based on seat availability. Use of tickets is subject to airline’s conditions and tariffs, and to all applicable federal regulations. Federal, state and local taxes, if any, are solely the responsibility of the winner, who will receive a 1099 tax form reflecting the actual value of the prize if the prize value exceeds $600. Approximate Retail Value of the Grand Prize is $800.00. Actual value may vary based on point of departure and dates of travel. Any difference between stated value and actual value will not be awarded. Certain travel restrictions may apply. Travel arrangements must be made through the Station or its designee. Prize is subject to availability. If the winner cannot travel on date(s) specified by the Station, the winner may be disqualified, and an alternate winner may be selected (time permitting) at the Station’s sole discretion. All other costs not specifically stated herein, including but not limited to those of, taxes, meals, tips and ground transportation to/from the airport, are the responsibility of the winner. Travel must be round trip. The winner and guest(s) must travel on the same itinerary and are responsible for obtaining all required travel documents, including, without limitation, passports for international travel. Airline regulations apply. The winner and guest(s) must sign a Publicity, Liability Waiver and Travel Release form prior to traveling. If a prize-related event or travel is unable to take place as scheduled, for reasons such as cancellation, preemption, postponement or unavailability, including for weather, or for any reason beyond the control of the Promotion Entities, their sole responsibility to the winner will be to award the remaining available elements of the prize and no substitution or compensation will be provided for the unawarded elements of the prize. No refund or compensation will be made in the event of the cancellation or delay of any flight.
b. No more than the stated number of prizes specified in these official rules will be awarded. All prizes or prize certificates may be claimed at the office of the Station at the address below during regular business hours. The winner will forfeit any prize or prize certificate not claimed within ten (10) days of winning. In the event that a prize or prize certificate is mailed or shipped to the winner, it will be with the prior written consent of the winner and therefore, winner assumes the risk of its loss. The Station is not responsible for the safe arrival of a prize or prize certificate.
c. The Prize(s) is not transferable, and no substitution, assignment, or cash equivalent of prize is permitted, except by the Station (solely at its discretion), which reserves the right to substitute a prize or prize portion with another prize or prize portion of greater or equal value. The prize(s) are expressly limited to the item(s) listed above and unless otherwise expressly specified, do not include taxes, gratuities or any other expenses. Entrants acknowledge that the Promotion Entities have not made, nor are in any manner responsible or liable for, any warranties, representations or guarantees, and hereby disclaim any and all warranties expressed or implied, in fact or in law, whether now or hereafter enacted concerning any prize, including without limitation, implied warranties of quality,Tiger Woods at Barclays 2013- Day 1 Recap and Twitter Reaction, merchantability, mechanical condition, or fitness for a particular purpose, except for any express manufacturer’s warranty as may be included with the prize or as may be separately provided to participants by law. Other restrictions may apply.
4. WINNER SELECTION AND NOTIFICATION
a. Decisions of the Station management with respect to the Promotion are final.
b. At approximately 12:00 PM CT on Monday August 26th, 2013, one (1) winner will be selected in a random drawing from among all eligible entries received.
c. Odds of winning the prize depend upon the number of eligible entries received.
d. Winner does not need to listen to the Station nor be present to win.
e. Potential prize winner(s) will be notified by telephone following the prize drawing. Prizes awarded upon confirmation of eligibility and completion of all requisite releases. The winner (or their parent or legal guardian if under the age of majority) must execute and return any required affidavit of eligibility and/or liability/publicity release within ten (10) days of winning or prize will be forfeited. If a potential winner cannot be contacted, fails to sign and return the required fully-executed affidavit of eligibility and/or liability/publicity release within the required time period, or if a prize or prize notification is returned as undeliverable, the potential winner forfeits the prize.
5. CONDITIONS
a. Payments of all federal, state and local taxes are solely the responsibility of the winner. The winner may be required to complete and submit an IRS Form W-9 with the winner’s full Social Security Number or the equivalent for receipt of any prize and will be required to complete and submit an IRS form W-9 with the winner’s full social security number or the equivalent for receipt of any prize valued at $600 or more or for any prizes awarded by the station (or any other CBS Radio station in station’s market) in a calendar year with an aggregate value of $600 or more. Failure to submit a complete W-9 or equivalent will result in forfeiture of the prize. Such winnings of $600 or more will be reported to the IRS.
b. Participation in the Promotion and/or acceptance of the prize (s) constitutes entrant’s and/or winner’s (and guest’s, if applicable) permission for the Station or its agents to interview the winner(s) (or guest(s), if applicable), to photograph, film, and record each winner (or guest, if applicable), and to use in commerce and in any media now or hereafter known throughout the world in perpetuity, his/her name, prize won, hometown (city and state), biographic information, likeness, photograph, audio or video recording, and/or any statements made by him/her regarding the Station, the Promotion, and/or its sponsor(s) for purposes of trade, publicity, or promotion without notice or additional compensation, notification, or permission, except where prohibited by law. Each winner (and guest, if applicable) agrees to sign a publicity release confirming such consent prior to acceptance of the prize, except where prohibited by law.
c. Participation in the Promotion and/or acceptance of prize constitutes entrant’s and/or winner’s (and guest’s, if applicable) agreement to release, discharge, and hold harmless the Promotion’s sponsor(s), the Station, its licensee, their respective parent, subsidiary and affiliated entities, their advertising and promotional agencies, prize suppliers, and participating sponsors, and their respective officers, shareholders, directors, employees, agents and representatives and all of their successors and assigns (collectively, “Released Parties”) from and against any and all claims or liability arising directly or indirectly from the prize and participation in the Promotion, including,Prep Running Back Breaks A Zillion Tackles, Scores, but not limited to, personal injury, death, or damage to or loss of property, which may occur in connection with, preparation for, travel to, or participation in Promotion, or delivery, possession, acceptance and/or use or misuse of prize or participation in any Promotion-related activity, including but not limited to any claims based on publicity rights, defamation, or invasion of privacy.
d. If for any reason this Promotion cannot be executed as planned, including but not limited to, as a result of infection by computer virus, tampering, unauthorized intervention, fraud, technical failures, or any other causes beyond the control of the Released Parties that corrupt or affect the security, administration, fairness, integrity or proper conduct of the Promotion, or if the Promotion is compromised or becomes technically corrupted in any way, electronically or otherwise, the Station reserves the right to cancel, terminate, suspend, and/or modify the Promotion. If the Promotion is terminated before the original end date, the Station reserves the right, in its sole discretion to, to modify the procedure for selecting winners, unless the nature of the event giving rise to such termination renders it impossible to select winner(s).
e. The Released Parties are not responsible for (i) typographical or other errors in the printing, the offering, or the administration of the Promotion or in the announcement of a prize; (ii) incorrect or inaccurate entry information, human error, failure, or omission; (iii) unauthorized human intervention; (iv) lost, stolen, mangled, misdirected, postage due, illegible, incomplete, or late entries; (v) entries not received due to difficulty accessing the internet, service outage or delays, computer difficulties and other technological problems or for telephone service outages, delays, busy signals, poor signals or signal interference, accidental disconnection, equipment malfunctions, and any other technological failures of any kind; or (vi) any cancellations, delays, diversions, or substitutions or omissions whatsoever by any transportation providers or any other persons or entities providing any services to winner(s) (and guest(s), if applicable) including any results thereof such as changes in services or location necessitated by same. Further, the Released Parties are not responsible if any part of a Promotion prize that cannot be awarded due to acts of God, acts of war, natural disasters, weather, acts of terrorism, or other factors beyond the Released Parties’ control.
f. The use of any device to automate entry is prohibited and will result in disqualification. Online entries generated by a script, macro or use of automated devices will be disqualified at the Station s discretion. The Promotion administrator’s computer or telephone system is the official time keeping device for this Promotion. In the event of a dispute, online entries will be deemed to have been submitted by the Authorized Account Holder of the email address submitted at the time of entry. Authorized Account Holder means the natural person who is assigned to an email address by an internet access provider, online service provider, or other organization that is responsible for assigning email addresses for the domain associated with the submitted email address. For phone or mobile entries, the authorized account holder is the natural person who is assigned to the text or mobile telephone number by a telecommunications provider, or other organization that is responsible for assigning such numbers. The Station, in its sole discretion, reserves the right to disqualify any person tampering with the entry process or the operation of the Station’s website. Failure to comply with the rules of the Promotion may result in an entrant’s disqualification and/or forfeiture of any prize or prizes. If the Station makes a good faith determination that an entrant has cheated or committed fraudulent activity in connection with a Promotion,HONG KONG- Surveys- China manufacturing improves in August, the Station reserves the right to disqualify that entrant from entering and/or winning this and future Station-administered Promotions and to prosecute and seek damages to the fullest extent permitted by law.
g. The Station reserves the right to make changes in the rules of the Promotion, including,Fox Sports 1 Debut- Six First Impressions Of The New Network, without limitation, the substitution of a prize of equivalent value, which will become effective upon announcement. If due to circumstances beyond the control of the Promotion Entities, any competition or prize-related event or travel is delayed, rescheduled, postponed or cancelled, the Station reserves the right, but not the obligation, to cancel, terminate, suspend, or modify the Promotion and shall not be required to award a substitute prize.
h. Except where prohibited, by entering the Promotion, each entrant agrees that: (1) any and all disputes, claims and causes of action arising out of or connected with this Promotion or any Prize (s) shall be resolved individually, without resort to any form of class action, and exclusively by state or federal courts situated in New York, NY; (2) any and all claims, judgments and awards shall be limited to actual out-of-pocket costs incurred, but in no event shall such costs include attorneys fees; and (3) no punitive, incidental, special, consequential or other damages, including, without limitation, lost profits may be awarded (collectively, Special Damages ). Further, by entering the Promotion, each entrant waives all rights to claim Special Damages and all rights to have such damages multiplied or increased. New York law governs the interpretation and construction of these Official Rules and all aspects related thereto.
i. For a copy of these Official Rules, send a self-addressed stamped envelope for receipt by August 25th, 2013 to “2013 ‘Take A Vacation From Sports With Southwest Airlines’ Giveaway � Official Rules,” Attn: Promotions, WSCR 670 AM 180 N. Stetson Suite 1250 Chicago, IL 60601. For the names of the prize winners send a self-addressed stamped envelope for receipt by October 25th, 2013 to the above address marked “2013 ‘Take A Vacation From Sports With Southwest Airlines’ Giveaway � Winner List.” The Official Rules and the Winner List (when completed) shall also be available during regular business hours at the main offices of the Station and may be posted online at CBSCHICAGO.COM
6. PRIVACY
By participating in the Promotion, you agree to the Station’s Terms of Use Agreement and to the use of your personal information as described in the Privacy Policy located at . In the event of conflict between the Station’s Terms of Use Agreement and these Official Rules, the terms of these Official Rules shall apply.
Sponsor(s):
WSCR-AM
180 N. Stetson Ave.
2 Prudential Plaza Suite 1250
Chicago, IL. 60611.
Southwest Airlines
2702 Love Field Drive
Dallas, TX 75235</html>
Many Remain Confused About Credit
<html>While new laws were intended to clear up confusion over the costs of using credit cards,San Francisco sues panel over City College accreditation, many consumers say they still don t understand key details of their accounts. Of the more than 14,000 consumers who responded to J.D. Power s latest credit-card satisfaction survey,TRIPOLI, Lebanon- Blasts kill 29, wound hundreds i, just 47% said they completely understand the terms of their cards. Among the customers who don t fully understand their cards terms, 73% cited confusion over interest rates and 31% cited confusion over late fees. The findings raise questions about new rules ushered in three years ago that were partly meant to eliminate unwanted surprises for the millions of Americans carrying plastic in their wallets. The Credit Card Accountability,CHAMPAIGN, Ill.- Decision on site for big fertiliz, Responsibility and Disclosure Act clamped down on lenders ability to raise interest rates without giving borrowers advance warning and put in place limits on the frequency and level of penalty fees they can charge in a single month. Industry representatives note that banks are required to provide key disclosures to consumers. Consumers by law receive multiple notices and reminders of important credit-card terms in a manner and format required by law so they are easy to notice on applications, with card agreements and on periodic statements, said Nessa Feddis, senior vice president of consumer protection and payments for the American Bankers Association. Ms. Feddis and other experts note consumers knowledge of card details may depend on how they use the products. For example, a consumer who pays a balance off in full and on time each month may not pay attention to the interest rate or late fee. Customer satisfaction has risen consistently since the rules took effect in 2010,Union blank D.C. United in Philly 2, according to J.D. Power, suggesting consumers are happier with their credit cards today than they were before the law. In the latest survey, overall satisfaction increased 14 points to 767 on a 1,000-point scale, an all-time high. But Jim Miller, senior director of banking services for the marketing-information firm, said the improving economy and consumers increased confidence levels may be playing a role. One of the reasons that they re happier is they feel better about their personal financial situation and the economy, Mr. Miller said. Twenty-seven percent of participants said they were better off financially in the most-recent survey, compared with 23% last year and 20% in 2011. Mr. Miller and other experts say improving transparency in such areas as fee disclosures, interest rates and rewards programs can help lenders retain customers as major credit-card issuers compete for the same set of consumers. Banks are very cost-conscious, and acquiring customers is expensive, said Christopher Donat, an analyst with Sandler O Neill + Partners who follows credit-card lenders. It s cheaper to retain a customer than to acquire a new one. It s a lower-risk strategy to try to keep your customers happy. Some lenders have attempted to capitalize on consumers aversion to fees and complex billing practices. Discover Financial Services, which ranked second on J.D. Power s satisfaction index after American Express Co., this year rolled out a credit card called Discover It that doesn t charge a late fee the first time a customer misses his or her payment due date. It also doesn t revert borrowers to a higher penalty interest rate that is commonly applied by credit-card issuers when a customer misses a payment. A Discover spokeswoman said the firm has made efforts to better educate consumers about its products, including rolling out an interactive guide to explain its cardholder agreement in layman s terms. A spokeswoman for American Express, which took the top spot on the list for the seventh year ina row, said the firm has taken steps to increase awareness about its products by, among other moves, rolling out a new website this year that explains how customers can earn rewards, and making it possible for them to receive account alerts through Facebook s social-networking site. Odysseas Papadimitriou, a former Capital One Financial Corp. executive and current chief executive of credit-card comparison website CardHub.com, said many of the industry s biggest players have room to improve when it comes to disclosures. CardHub.com recently reviewed the 10 largest credit-card issuers websites to gauge how easy it is to find information about rewards programs, fees, interest rates, balance transfers and other features. While overall transparency increased, some issuers continue to make lenders dig for information. For example, some lenders post information about fees charged to transfer a balance from one card to another in a separate spot from where information is listed about the interest rates charged on balance transfers. That may cause consumers to overlook the fact that balances that are transferred are assessed both an interest rate and a transfer fee, Mr. Papadimitriou said. Capital One, which ranked toward the bottom of J.D. Power s satisfaction survey, ranked the highest on CardHub.com s transparency study. The McLean,LONDON, Ky.- Man tells 911 he killed wife, she had cancer, Va.-based lender said it has tried to make it easier for prospective customers to find information about its cards before applying by adding links to rates and disclosures at the top and bottom of its product pages, among other things. American Express, which ranked second to last in CardHub.com s study, received high marks in that survey on clarity regarding its rewards programs and annual fees for cards that were reviewed. But it was dinged on clarity about the costs for balance transfers. The American Express spokeswoman said being clear and transparent with customers is a top priority for the company. We look closely at all the feedback we receive and use this information to help us enhance and improve the overall card member experience, she said in a statement. The Consumer Financial Protection Bureau, which monitors banks lending practices, has taken steps to increase transparency for credit-card products, including introducing a sample credit-card agreement intended to make finding key information easier for consumers. However, some banking-industry representatives have raised concerns that adopting the agreement could open them up to litigation if certain legal disclosures are omitted. Write to Andrew R. Johnson at andrew.r.johnson@wsj.com</html>
Ads, Coming to a Bathroom Stall Near You
<html>Last fall, Bryan Silverman called a barbecue restaurant a mile from his campus at Duke University to ask the owner whether he would be interested in saving a little money on his facilities costs. The owner, Bill Whittington,Video- US claims its evidence implicates Assad for, was intrigued. Mr. Silverman offered in Durham, N.C., free toilet paper printed with a Quick Response (QR) code ad for the restaurant, as well as ads for other local businesses, in exchange for stocking the toilet paper in the Blue Note’s bathrooms. It has been nearly a year since Mr. Whittington started using the toilet paper ad to offer a buy-one-get-one-free dessert coupon. He says the marketing move has been good for his business in a couple of ways. “The toilet paper is a great gimmick for the restaurant,” he said. “On a busy night, we’ll see customers come out of the bathroom with a foot and a half of toilet paper, and everyone at the table will be looking at it.“ It creates a lot of conversation in the restaurant, too. “People ask if they can take some with them if they are traveling from out of town,Richards leads Angels past Mariners 3,” he added. The concept was the brainchild of Mr. Silverman and his brother, Jordan, who founded Star Toilet Paper in 2011. Jordan Silverman got the idea while he was sitting in the bathroom reading his smartphone. “I was on an app and an ad popped up. Then I thought, ‘Advertising has pervaded so many parts of our lives, why not place ads in places where people actually want to read?’” He realized it was a perfect marriage and started working with his brother to bring the idea to market. Jordan Silverman is a graduate of the University of Michigan and his brother will finish at Duke in 2015. The brothers have turned bathroom tissue into a new media platform. They print advertisements and QR code promotions that allow advertisers to offer content that can be downloaded on smartphones. Each roll has a series of eight ads that repeat. Advertisers pay just $5 per C.P.M., or cost per thousand views, to tap into a host of mobile advertising options. By utilizing QR codes and SMS text ads, companies that advertise with Star are able to use the toilet paper as an innovative jumping off point to further brand interaction. The company has raised $140,This Gibraltar superyacht hotel is designed to float the boat of your inner tycoon_0,000 from angel investors but has not generated much revenue yet. Jordan Silverman, who is the company’s only full-time employee, holds down the company’s Manhattan office while Bryan Silverman is busy finishing school and juggling the marketing and sales efforts. They have about 70 advertisers that include restaurants, insurance agents and pet stores. They use ad revenue to produce the branded toilet paper and give it away free.
“We supply the toilet paper to venues for free in exchange for demographic information so we can be sure advertisers are targeting who they want,Bo Xilai, disgraced Chinese politician, mounts feisty defence, blames wife for murder_1,” Bryan Silverman said.
And Mr. Whittington says his customers like the branded toilet paper. “We’ve never had any complaints,” he said. “Its seems to be a positive thing; it creates lots of chatter.” The company concentrates on places like restaurants and theaters, saving those businesses significant dollars, though they declined to disclose the amount. But their goal is to eventually provide their toilet paper to a bigger audience in places like stadiums and university buildings. Jordan Silverman said the business has multiple moving parts, including physical manufacturing, advertising design, data analysis and back-office support. They utilize mobile technology to track scans, S.M.S. opt-ins and coupon redemptions. Mr. Whittington said his QR code ad will take customers to his Web site for a coupon, but most people just bring up the toilet paper coupon to the register. While he can’t quantify exactly how much money he has made since starting to use the branded toilet paper, Mr. Whittington says it has definitely increased dessert sales. The of Ann Arbor, Mich., an aquarium business run by Tom Campbell, was Star’s first advertiser two years ago. “We’ve been able to flush away our competition since we started using Star Toilet Paper,” said Mr. Campbell, unable to avoid a quip.
He has three stores that sell fish, aquariums and other equipment. The company puts ads on Star toilet paper to offer a coupon for two free goldfish. The ads are affordable, Mr. Campbell said. When asked how much business is driven by the campaign, Mr. Campbell explained his system of valuation: “We know what our average sale figure is so we multiply the number of coupons by our average sale per customer, and if the total exceeds the cost of the ad and the goldfish,Who Shot Battling Siki- The Life And Murder Of A Prizefighter, we deem it a success.”
The Silverman brothers said their business is building traction slowly, but people are starting to catch on. They landed their first stadium customer, San Jose City College in California, just in time for football season.
What do you think? Would you use this product? Do you think the company will make it?
Melinda Emerson is founder and chief executive of Quintessence Multimedia, a social media strategy and content development company. You can follow her on .
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Another week, another poor first half for the Oakland Raider
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Aug 24, 2013 12:41 PM its going to be a long year
frankly, DA doesn t inspire much confidence in me as a guy who would know what to do NEXT season..i guess the only real litmus test is to see what elements brought under his rule have developed. the ability to recognize and shift from a zbs to a pbs is at least an indication that he can build off mistakes. the current status of the O line can t be blamed on the mangement pull out any team s best lineman and see what happens. i would look at criner and streater at wr to see what they can do this year and most of the defense behind the front 4. if they regress, bye DA and thanks for the fish. i know this year is going to be crap but at least put in the guy who s going to generate a little bit of excitement so us tortured diehards don t jump into misery one second into the 1st.</html>
