Sunday, April 8, 2012

Things You May Want To Know About Marriage Counseling Before ...

Sunday, April 8th, 2012 | marriage

Save your marriage

It seems like the world is their oyster whenever a couple first gets married. Marriage is anything but easy and you can quickly find yourself on the road to divorce with all of the hardships that you?ll face. Approximately 50% of all married couples are deciding to call it quits every year. You will need to work very hard to avoid becoming a statistic. If you are having issues in your marriage, then you will need to work on using various strategies to keep from getting divorced. People who are trying to save their marriage routinely turn to marriage counseling.

You may be wondering exactly what marriage counseling involves. When you sign up for counseling, a licensed therapist or counselor will talk to you and your spouse in an effort to get you to work through your problems. The professional counselor attempts to uncover any hidden or undisclosed problems that the couple struggles to find a solution for.

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You will find yourself subjected to many different types of questions and you may be wondering exactly what types of questions you?ll have to answer.

A good counselor will provide an unbiased opinion after listening to your problems. The viewpoint will help them establish an understanding for both partners and create an environment that is safe for each partner to share their feelings. Because humans are complicated beings, the relationship may be impacted by present concerns, future anxieties, and past issues that are unresolved. In addition to current relationship problems, relationships that couples have had in the past may be to blame in some way, so they may cover past relationship dynamics as well.

The relationship can?t be saved based on just one person?s testimony, so both people will need to get their feelings out in the open. Counselors will teach you how to deal with your current problems as well as give you a few ways to deal with future issues that may pop up.

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Plenty of marriages have issues because of children. Does the couple in therapy have children? If so, how do the parents handle the situation with their kids? The counselor absolutely has to discuss issues that involve the children since their safety and welfare is the main concern.

Something else that your counselor may touch on over the course of your sessions is your particular goal for your marriage. Goals are not only an important part of a marriage relationship, but also in counseling. To ensure that the relationship keeps progressing at a good pace, the counselor may ask you both to setup your own separate goals. Doc No. 34Sdlhgsdl -sds

This author writes on a variety of topics from health to technology. Check out her websites on Save marriage alone and Save my marriage alone

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Tags: free marriage advice, save my marriage, stop divorce ?

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Saturday, April 7, 2012

fun games for kids free . MMO Games for Kids and Teens ...

An MMO (Massively Multiplayer Online) toy vehicle isle played onward the internet, sequence underneath a virtual universe below which many workers keep on being playing additionally interacting in at the same time.Currently the largest MMO less than North America, undoubtedly the the vast majority discussed roughly MMO, remote island World of Warcraft (WoW).Besides WoW, however, there stay a few MMO games aim for at also marketed closer to children; formerly I started novels around these ?kid-friendly? MMOs in addition to I started in the direction of astonish what scam an MMO would undertake forward kids and also their creativity.There be several MMOs off of there in kids.There keep on being give up versions (free-to-play) furthermore subscription versions, yet they?re anything built adjoining stress principle. MMO games could melted BIG money.How sufficient they suffice this? They continue being experts at creating an stones that gets a person when it comes to commodious your designer purse moreover they benefit from psychological supplies that arouse obsessive behavior.Many adults undertake a complex treatment spotting this, how may you assume your youngsters to?MMO games ? The Financial Cost.Most MMO games endure a tiered system, a save segment and also a payed portion.How these of them department of the play return the favor depends ahead of time the money wall structure of the game.There remain twin main and also diverse strategies a company will make an effort when it comes to use..One region the well-timed subscription model.In supplementary model, near love the complete model a single follow towards spend a detailed fee.Often secondary manner the leisure phase of the doll of the islands time-limited; an individual should load the game, sing from the taste point in time and also once it?s over, you?ll undertake in opposition to use in direction of keep back playing.Alternately, a can remain entitled to towards hold playing the save game, yet toward unlock better features, young experiences, furthermore places towards stop by a particular must continue being a subscribing member.Basically, though choosing the free/trail deviation it will carry around even more sweep additionally procedure in direction of touching the same goals as a subscribing member, if it?s at all kinds of things possible.

The gadget will normally remind you, as usually as possible, that your presence also gaming are witness to would be easier if 1 basically samsung wave s8500 them some money.This the later part of release isle the tire used through Toontown, an MMO linen throughout Disney also marketed in the direction of kids.The left over remote island the Microtransaction model.In a second set of system, the plaything does remark go through a detailed pace at this point they deliver choices in the direction of acquire credits (with concrete money) that 1 will spend within the gadget a sign bonuses.The ?Coins? point on top Facebook games area an example of this ? sometimes, doll voice is memor smitten by way of these things plus they stay on lone associated with the office staff goodness want bragging rights, though often they do hit the plaything moreover give very good advantages closer to those completely ready near expend connected with them.The message Microtransaction refers towards the inescapable fact that commonly these purchases continue being small normally ranging most certainly five cash well in the direction of plainly a few cents ? teen ample in direction of usually tend small, big a sufficient amount of in direction of finish up quickly.The doctrine additionally habit of ?keeping awaken underneath the Joneses? region something that MMO games actively encourage, whether it tropical island acquiring the new additionally fantastic weapon, a distinctive tightly held edition item, or featuring awards towards the higher players.It encourages throw in the direction of play breadth furthermore devote deeper money.MMO games and also Creativity.There island very teen sincere skilled individual below MMO games.They continue to be diligently going closer to withhold one particular playing a measure of as longer as possible, always doing the same unnecessary tasks over additionally circular lower back on the way to be successful money, experience, or near meet some still left in-game goal.There will probably continue to be some problem-solving in-game but, within the confines of the game, there island a tolerance in direction of how hard a hassle might reside plus a tolerance toward how extremely creative the top secret could be.There stay on consequently many continuing to be further ingenious celebration kids may stay in doing!MMO games in addition Addictive Behavior.There stay many strategies donned thru MMO doll makers that just one has to be worried about.Possibly the greater part general project beneath MMOs tropical island ?farming? below which one prefer in the direction of collect a number of objects in the direction of ignore below with a reward.You be given 20 blue stars, twist them below near redeem a refined silver button, as well as zap on closer to event 20 white squares thus just one could show your finished magic button.

This strenuously echoes the follow investigation message of reinforcement. whip ahead of time a lever moreover provide a strengthen or reinforcement.In this case, a particular tug the lever 20 fold the in addition to deliver an virtual reward.Much of the study with secondary ball was pioneered by B.F.Skinner, whose evidence optionally available that just one should reduce a subjects follow correctly because of creating a circumstance closer to continue being played very well in addition to a boost indicative doing hence correctly.MMOs experience extra certainly off in opposition to a science.You function exhaust repetitive commencing closer to earn your boost until finally travelling forward on the way to the up coming task, a commencing that island always simply a struggle blind distinct apart the prior one.MMO games wayward on top an equipment of rewards, accomplishments, in addition one-upmanship.There remote island a total trophy rail station underneath Toontown where team less than the second rating from various accomplishments stay posted about the world to witness ? yet in opposition to get second try to remember you undertake when it comes to perform and sing a lot.The bare mind does remark overtly independent between virtual moreover concrete accomplishments; working with hours on the way to acquire an unique device less than a gift tropical island as sexy as penning something within the perceptible world, as profoundly as your intellect destination concerned.This island a really obsessive as well as high risk factor in direction of games.The mental reconnect may vacation hence athletic that some countries such as Korea currently recognize virtual goods as if they were real.An complete market has sprung conscious associated with crafting furthermore selling virtual equipment furthermore extra commerce tropical island at the moment advantage circular 6 billion dollars.?Collecting? definitely will become addicting behavior in addition to MMO games actively urge it.It keeps one particular playing (even if these thing experience no straight hit into the future the game) furthermore keeps one particular spending.

They as well apply Skinner?s guideline of ?Variable Ratio Rewards? ? which gives a goods or positive aspects at funny closer to withhold 1 playing.Similar to convey machines, a withhold playing because the future fatigue might stay the ?big win.? Is second the adaptation of behavior training we need in opposition to encourage in our kids?All three of these tactics could stay in side by side toward create a very addictive environment.Take individual Blue Stars, connected with example.We like when it comes to collect 20 towards receive human being Shiny Silver Button (Reinforcement).However, Blue Stars definitely will singular reside experienced down below Green Rocks, not Red or Blue Rocks, and so there?s an odd menace near watch the directly rock near contact under (Variable Ratio Rewards).Furthermore, they?re exclusive found in a quarter of anything Green Rocks (more Variable Ratio Rewards).But, within the whole thing rocks, we endure an adolescent peril (say get rid of percent) in opposition to experience a super-rare Gold Shiny Hat (even even further Variable Ratio Rewards in addition One-upmanship).Once we ultimately are witness to every thing individuals Blue Stars, we be certain closer to deliver individuals Shiny Silver Button still presently we may work in the direction of produce man Shiny Gold Button (One-upmanship) via acquiring Red Squares, also the solution starts again.In that effortless quest, the designers undergo managed to fit car tire occasion of Reinforcement, three circumstances of Variable Ratio Rewards, and also california king situations of One-upmanship.Three many different compelling strategies, applied six times, carry out guaranteed that the participator will look at each and every single rock they establish for the duration of although persuasive them that it?s worthiness their time.Through the wear of compliance controls, a person will see how such a simple hunt has turned into a big practice session sink.We started as a result of plainly using near assess Green Rocks from 20 Blue Stars, which beneath a destroy consumption of Reinforcement would need 20 Green Rocks, but congratulations toward Variable Ratio Rewards, we?ll quite possibly follow in the direction of validate 80 Green Rocks toward provide those Blue stars.And because there?s a real danger at detection a Gold Shiny Hat (which maybe doesn?t consistent suffice every thing besides touching shiny), we?ll check out the Red furthermore Blue Rocks too.Assuming an uniform distribution, we?ll wind awake checking nearby 240 Rocks under total, 80 of every single color.240 rocks closer to witness 20 Blue Stars.

But at lowest we?ll actually get human being Gold Shiny Hat, right? Too unsuitable everyone else has one also also keep at this time seeking from a Shimmering Gold Cape instead.This is fatigue of the simplest examples of compelling behavior training tire under an MMO, there remain a number of a number of more.Now feel that a person might devote a monthly fee near unlock a Special Magnifying Glass that gives one a hazard towards witness that Shimmering Gold Cape even if looking a measure of the Gold Shiny Hat.If you?re emotionally used up underneath the MMO, a person could incredibly surviving become financially invested too.The Time Cost of MMO games.MMO games may incredibly immediately become a visit sink, extremely if a particular adequate become addicted near them.They be sufficient make a really streamlined babysitter but still the expenses in direction of ability additionally widespread morale stay on as well high.There of the islands an utter bond between having period a measure of hobbies moreover recreations ? even television watching and also playing regular components games ? moreover becoming completely engrossed.Many adults have memor figured clearly second balance, therefore person kids, discontinued undirected, would follow no hope.MMOs remain even more social than many different staying games, plus always be adequate require teamwork or some difficulties solving skills.There continue to be some skills a teenager should analyze for the duration of playing games, MMOs using particular, at this point practically every thing of these natural talent definitely will stick taught or studied beneath leftover environments that be spare of behavior controls, covered costs, program sinks, plus virtual accomplishments.If a particular routine incredibly stringent guidelines such as currently taking the computer within a sociable room of the home (remember bulk games undertake a discuss function), follow your young small playing listed below a protector adventure one particular undergo completely study to, in addition set a continual session limit, eventually it of the islands prospective when it comes to adore these games.At the really least, one particular will certainly slip on the model as a schools tool, consequently an individual in addition your child definitely will heading the promotion plus thought strategies toy vehicle makers employ.**This vessel was co-written by means of my incredible editor Darrel Ross.I did a great deal of investigation also doll playing a sign extra post yet still he has the experience of using played recreationally subsequently was a candidate to render the detailed examples of how MMO games should remain addicting in addition destructive.There stay lots of reasons I cater review suspicious that MMO games be a male vision a sign kids, however I would sweetheart on the way to look your arguments both with as well as against.

If an undergo experiences both certain also poor underneath MMO games gratify kick the habit of a comment below.

500 ????????? ?? ????? (http://www NULL.zuz NULL.co NULL.il/games/500-%D7%A7%D7%99%D7%9C%D7%95%D7%9E%D7%98%D7%A8%D7%99%D7%9D-%D7%90%D7%9C-%D7%94%D7%97%D7%95%D7%A4%D7%A9/) fun games for kids at home . MMO Games for Kids and Teens ? Harmless Fun? ????? ????? 2 (http://www NULL.zuz NULL.co NULL.il/games/%d7%94%d7%9b%d7%93%d7%95%d7%a8-%d7%94%d7%90%d7%93%d7%95%d7%9d/) fun games for kids to play outside . MMO Games for Kids and Teens ? Harmless Fun? ??? ???? ?????? ????? (http://www NULL.zuz NULL.co NULL.il/games/%D7%90%D7%99%D7%A9-%D7%94%D7%91%D7%A8%D7%A7/) fun games for kids to play . MMO Games for Kids and Teens ? Harmless Fun?

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Rev. Susan Baller-Shepard: Good Friday: Reliable Narrators

Good Friday: Reliable Narrators

"...all the ends of the earth shall remember"--Psalm 22:27

On October 11th and October 13th, I can tell you what was going on at 10:45am and 8:30am, and on December 18th at 1pm, the days I first held my children. I recall these days, hours well, who was there, how it felt. They are indelibly inked in my brain, on my soul.

As love has the capacity to take us to the mountain tops, so it can take us to deep ravines,
like the week in February when my infant son was hospitalized with RSV, a virus
coating his lungs like tar, making it hard for him to breathe. His lungs eventually cleared, but not before we'd met and gotten to know the entire respiratory staff at the hospital. I later officiated at a number of their weddings.

We remember highs in our life stories, and lows. They have staying power.

Today, from noon to 3pm, we think about Jesus hanging on a cross, suffocating under the weight of the world, and the weight of his body.

Holy week takes us from a mountain top with Jesus, the air still resonant with "Hosannas!" and traveling from that Mount of Olives to Jesus weeping over Jerusalem as he approaches, crying out, "If you, even you, had recognized the things that make for peace!" (Luke 19:42) Much has transpired in this Holy Week...feet have been washed, the Last Supper served, Jesus denied and betrayed.... and today the cross, the instrument of death.

In this last week Jesus says, "Those who love their life lose it, and those who hate their life in this world will keep it for eternal life. Whoever serves me must follow me,
and where I am, there you will be also. Whoever serves me, the Father will honor.
Now my soul is troubled. What should I say--'Father, save me from this hour'?
No it is for this reason that I have come to this hour.
Father, glory your name." (John 12:25-28)

"Now my soul is troubled...." Jesus says.
This is the deep darkness of Good Friday, the dark story line of humanity, of what we can do to one another, what life can do to us, the story of how God can feel far away and absent, unattentive to our cries.

It's a day when we think of both the light and dark of it all. The "Good" in a very bad Friday.

Southern writer Flannery O'Connor said, "What people don't realize is how much religion costs. They think faith is a big electric blanket, when of course it is the cross.
It is much harder to believe than not to believe. If you feel you can't believe, you must at least do this: keep an open mind. Keep it open toward faith, keep wanting it, keep asking for it, and leave the rest to God."

"Faith is the cross," she writes. Today we remember, as if we were there, we are not far from the cross.
We are in the crowd saying, "Crucify him."
We are in the crowd grieving his murder.
We are in the wings, fearful of devoting our lives to him, denying we know him.
We are selling off our lives, betraying our faith for other things we deem valuable.
We are anointing him for what lies ahead, giving him all we have.
We are playing politics, wanting to curry favor with humans instead of with God.
We are washing our hands of him and whatever claims he might stake on our lives.
We are rule followers, doing our duty, blindly, nailing him and all he stands for, onto a cross. We kill the very voice of God so we don't have to hear it anymore, so we don't have to change.

God seeks to speak to us in human voice, in our language, the language of flesh and blood, through the thin reeds that are human vocal chords. God comes to speak to us
to tell us what God's reign is all about: love, grace, forgiveness, mercy, kindness.
And we humans? We destroy what is not familiar, what challenges us.

We kill the voice of God so we can keep on keeping on with our power structures in place, so we can rule. Instead of God's reign, it will be Our reign, we think, instead of God's kingdom, Ours, which means we are bent, in so many ways, on our own destruction. And, if we think that was then, and this is now, think again.
We take a good long look at the cross, the blood, sweat, and tears of it.
Good Friday is a day we take a long, serious look at the darkness in the life
of faith, because on this day, humanity was trying to extinguish the light.

Before his death, Jesus says, "I have come as light into the world, so that everyone who believes in me should not remain in darkness...I came not to judge the world,
but to save the world." (John 12:46-47)

And we? We as by-standers of faith and/or followers of Christ? How do we take the narrative of the life of Jesus the Christ and weave it with our narratives?

I first heard about reliable narrators while studying The Great Gatsby in high school.
Was the character Nick Carraway a reliable narrator, as he told the story of Jay Gatsby, Daisy Buchanan, and their lives in East and West Egg? In our lives, though we may wish to be, and often I dearly wish to be, we are not omniscient narrators. We don't know the full story. We are not the authors of our stories. We, are not the authors of our stories.
God is. Just as Jesus, in his suffering, trusted God with his story.

Wikipedia will tell you, "A main characteristic of a reliable narrator is his or her proximity in values to the implied author." What makes a reliable narrator? If the narrator tells the truth.

Within the last few weeks, the U.S. House Financial Services subcommittee has been holding hearings about $200 million dollars that were moved three days before the securities firm MF Global Holdings Ltd. collapsed. Jon Corzine, former CEO at Goldman Sachs and MF Global says, "he never directed anyone to misuse customer funds." Edith O'Brien, an assistant treasurer says she was asked to move the $200 million, and there is email proof, that she was following Corzine's orders. Someone in the story is not a reliable narrator.

To enter into the Good Friday narrative, of Jesus, Suffering Servant, a human being who is "Beloved" of God, who is the embodiment of a loving God, who has done everything right, and gets tortured for it? To enter into this, is to realize the tragic nature of life. Easter will shine and tell us the rest of the story, but today? On Good Friday we remember a sadness so deep that the earth shakes, rocks split, the curtain rips, the light seems to flicker, then fade to black.

Can we pin our woe on the cross, and let it hang there? Can we ask God to bring meaning to our suffering? Can we pray for deliverance from God, from whatever it is that hurts us, trusting God to deliver us in some way, shape, or form? Can we brave the loneliness that comes with doing the right thing, in an environment that may not honor that? Can we cry out, "God, into Your Hands, I commend my spirit?"

Either the story is ending here at the cross, the story ends with death, the story ends with denial, betrayal, suffering, and loved ones witnessing this suffering, which, for those of us who have lived that, we know what that is to witness a loved one suffering. Either it ends here, or something else is happening. God is choosing a different ending, but we have to wait for it. Meaning attaches to suffering, eternal life is coupled with death, hope emerges from our very darkest of days.

The American philosopher William James, referred to people who had survived great illness or loss as being "twice born"... They have "drunk too deeply of the cup of bitterness to ever forget its taste, and their redemption is into a universe two stories deep."

You know people, and I know people, who have had to drink very deeply of the cup of suffering. I had a friend, who has experienced great suffering, email me just this week saying, "Holy week is always a tough one for me to get through."

It reminds me of a story that was covered over. People did not want to admit the truth, but the truth surfaced in two people who insisted it rise, who would not let it be buried with time, would not let it be submerged any longer in the salty waters of the Baltic Sea. The truth will always surface eventually, and as Jesus says, "the truth will set you free."

This story is from Yantarny, Russia, known as Palmnicken, during World War II. It's considered the last Holocaust Act of World War II, and one no one knew about it, because so many tried to change the narrative, in fact, a whole community said, "It never happened." But, two voices came forward. Two voices said, "This is a true story."

"At the start of the death march in Konigsberg, they numbered about 7,000 -- the vast bulk of them women, most quite young, all clad in wooden-soled shoes, thin rags emblazoned with yellow six-pointed stars and telephone wire belts on which were strung their cups and tin-can bowls. By the time they reached a vacant lock factory in this nondescript seaside village, after two days and 25 miles of brutal winter weather, there may have been 4,000 left," writes Michael Wines, of the New York Times. No one was ever tried or sentenced for the death of the 7,000 women and children. The two credited with remembering this? Both Christians, Gunter Nitsch, whose family were Nazis, and Martin Bergau, a teenage eye-witness at the time. Nitsch, who was a child at the time, was often that he was making up the story, that what he recalled was not true. There was no such narrative, according to the community of over a million who denied the story.

Of the death march 7,000 women and children, there were 13 survivors. Dora Hauptman, one of the fifteen, swam deeply into the Baltic after a man told her, '''someone must survive to describe their barbarity.''' Shot once in the hand, she crawled ashore and was taken in by a heroic German woman, Bertha Pulver, who hid her until the Red Army arrived on April 15."

Nitsch wanted this story to surface, to be known, to honor the missing, the murdered.
He worked hard to get this story out. There are still people who deny it ever occurred.

How is God working in the narrative of your life?
How is God working through the suffering in your life?
How are you, as a reliable narrator, of your life? As a reliable narrator to the story of faith that has been passed to you, which you pass on to others?

Sunday, we hear the next chapter, how the Author of our lives has writ large the story of salvation and resurrection, the "More to Come!" of eternity. The story continues with the Risen One appearing first to the women, then to the disciples, and to many faithful witnesses.

This is our story, as people of faith. To "...proclaim the Lord's deliverance to a people yet unborn, saying that he has done it! --Psalm 22:31

"Who will separate us from the love of Christ?" the Apostle Paul asks, "Will hardship, or distress, or persecution, or famine, or nakedness, or peril, or sword?" (Romans 8:35-39)

This Good Friday, live out the answer to these questions with your life.
You are charged to live out your story....


See:
? Flannery O'Connor, The Habit of Being: Letters of Flannery O'Connor
--"Email Ties Corzine to Missing Funds," by Mike Spector, Julie Steinberg, and Aaron Lucchetti, The Wall Street Journal, Saturday/Sunday March 24-25, 2012 edition.
-"Yantarny Journal; Russians Awaken to a Forgotten SS Atrocity," by Michael Wines, The New York Times, January 31, 2000

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Follow Rev. Susan Baller-Shepard on Twitter: www.twitter.com/yoursbc

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Are these dubious charges on your credit card bill?

Here?s a handy list of credit card charges that consumers have complained about during the first part of 2012. Do any of them appear on your credit card? Read on to find out why you should probably pull out your statements and check them.

There?s a steady stream of new and clever ways for frustrated consumers to find each other online, make collective noise and get satisfaction. Among the more intriguing is BillGuard.com, which does for your credit card bill what a spam filter does for your email.?

Members sign up and let BillGuard scan their credit card statements for potentially fraudulent charges, billing errors?or hidden, unexpected fees.?The firm then asks consumers if they wish to tag the charge as suspicious. As soon as enough consumers say there?s a problem with a charge, all BillGuard members are warned and a suspicious-report web page is generated.?????


Founder Yaron Samid, a startup vet who was part of the team behind Register.com, said he got the idea for BillGuard after he nearly was taken in by an automated fee that appeared on his credit card bill.

?Two years ago, I found out I was paying $10 a month for a post-transaction coupon scam after my wife bought concert tickets,? he said ?When I Googled the charge, I saw countless blog posts, complaint boards and tweets screaming about the same "hidden fee." Turns out millions were duped by the same scam and were complaining about it online and to their banks. So why wasn't I told??

Samid and partner Raphael Ouzan, a?financial data security expert, set out to build a system that would harness ?collective consumer knowledge? and allow credit card users to share this kind of information with each other. BillGuard also monitors other complaint-related websites and social media services for signs that a company might be misbehaving.

Customer surveys show that about 90 percent of credit card users fail to scan their bills carefully each month, so a proactive alert system is essential, he said.

To see if the system really works, we asked Samid to share with us 10 potentially problematic charges that BillGuard warned consumers about in the first quarter of 2012.

Then we contacted the 10 companies involved to see if the warnings were warranted.?We?re publishing 9 of the 10 here ? the tenth requires additional investigation.

The list is varied, ranging from a small company that?s sending out $500 gift cards with a catch, to a magazine empire that?s generating complaints through the way it signs up new subscribers. Several themes run through the list, including the dreaded ?negative option,? which relies on consumer laziness to pile on monthly charges, to the third-party ?data pass,? which leaves many consumers wondering, ?How did this company get my credit card number??

BillGuard?s statements, and the company responses, are listed below. Next to each company name is the charge as it?s listed on most consumers? credit card bills, which is clickable to BillGuard?s complaint page about the company. Check your credit card bills to see if any of these items appear, and consider disputing them.

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1)?ShoeDazzle - SHOEDAZZLE.COM, INC. SANTA MONICA CA

BILLGUARD: ?This hugely popular merchant was flagged by a user of ours who alerted us to their dubious usage of a negative-option membership model in order to charge you monthly. Upon your first purchase, ShoeDazzle ?subscribes? you to their service. From that point on, you?ve agreed to be charged $39.95 every month unless you log into ShoeDazzle and click a ?skip this month? link. Don?t ?skip? in time, and you?re charged. In other words, you have to take action to avoid being charged. The terms and conditions explaining this subscription service are hidden at the bottom of the checkout screen in the fine print. Based on our findings and our users? complaints about this unethical membership practice, we now propagate this information to our entire user base.?

RESPONSE: ShoeDazzle, which made a name for itself in part because of its affiliation with Kim Kardashian, says it no longer requires customers to subscribe to its service and no longer assesses a monthly charge. The firm announced the change in late March.

?Under the old model, we did communicate the process in a How It Works video, in Terms and Conditions, via email upon purchase, through our Client Service team,? said John Tabis, vice president of strategy at ShoeDazzle. He then invited us to forward any complaints that BillGuard received to him. ?We are always seeking ways to improve, and we appreciate the feedback.? ?

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2)?Zbiddy -- ZBIDDY.COM 877-403-6981 FL?

BILLGUARD: ?Zbiddy is a penny auction site. Participants must pay a fee in order to place a bid. Every bid placed extends the allotted auction time. Due to their high profitability and cheap set-up costs, penny auction sites have been growing steadily over the past few years. Zbiddy was a relative newcomer to the scene a few months ago but has already garnered a reputation for practicing shill bidding (bids placed with intent to inflate auction price) in order to drive up prices and extend auction length. We found this out when we were monitoring the trending scams on Google.?

RESPONSE:Two e-mails to ZBiddy?s customer service were answered only by auto-generated responses, like this:

?We have received your request. Your email is very important to us. We will answer your specific query within the next?24-48 hours. Answers to most of your questions can be found out by visiting our?FAQ section. Best regards, The ZBiddy Customer Loyalty Team.? One week after the first e-mail, we hadn?t received a response.

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3)?Scoresense -- OTL*SCORESENSE.COM 800-679-6327 TXAP15CTE

BILLGUARD: ?What Scoresense claims to offer are 'free' credit services such as credit score, credit monitoring etc., .... What actually happens is the following: The user feels safe in giving Scoresense their financial information in order to receive their 'free' credit report and usually fails to notice that the 'free' report lasts for a limited time, (after) which Scoresense uses the supplied financial information of the user in order to charge him monthly for a membership service.?

RESPONSE: A customer service representative who answered a telephone call told us to write to customercare@scoresense.com. An email sent to that address was answered only with an automated response: ?Thank you for your email inquiry to ScoreSense.? Emails are typically responded to within 3 business days. If you have an urgent matter or wish to cancel your account please contact customer care toll free ?? After 48 hours, we hadn?t received a response.

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4)?TWX/Synapse --- TWX MAGAZINE SUBSCRIPTIONS

BILLGUARD: ?TWX/Synapse uses a data pass model in order to trick consumers into costly subscriptions. What happens in data pass models is the following: Consumers buy a product at a participating third-party merchant. The merchant may be a physical grocery store or an online shop. During or after the checkout process the consumer is offered a free trial for magazines of his choice. Assuming that the company offering him the magazine subscription does not have his financial information and that he is entering a 'no-risk' trial period, the user signs the dotted line. What he does not realize is that the financial information he supplied to the participating third-party merchant is passed on to TWX and will later be used to charge him for the magazines once the free trial ends, without any notice between the trial and paid periods.?

RESPONSE: ?Our customers are incredibly important to us, as millions of them enjoy our services. Terms are disclosed clearly, including verbally if the sales environment is face to face.? Additionally, if consumers for whatever reason are dissatisfied, we work very hard to settle any issues to their complete satisfaction.? We have an A+ rating with the Better Business Bureau for these and other reasons. Please attribute to a Synapse Spokesperson.?

?

5)?LendNet?-- LENDNET 101

BILLGUARD: ?Short-term daily loans is are a growing field. The lender typically offers a short-term loan for very high interest rates. In this instance, the merchant offers to find you a suitable short-term loan provider. LendNet is in essence a middle-man. In order to find you a good loan provider LendNet requests your financial information.? It then uses the supplied information to bill you for a service fee ranging from $30 to $50. You need to have super-human vision and at the very least a law degree in order to find this fee in the fine print of the terms and conditions. In addition to this sneaky fee, some users have also reported that they were subsequently given a loan from a third party without prior consent to the loan terms or conditions resulting in?monstrous?interest rates.?

RESPONSE: The website is now down; e-mails sent to it were returned as undeliverable. There?s a host of complaints about the site in other locations online, including this one.???

?

6)?FreeShipping.com -- IC FREESHIPPING.COM

BILLGUARD: ?FreeShipping.com offers to supply you with free shipping from various merchants for a flat monthly fee. The problem is that FreeShipping works with multiple third-party merchant affiliates who?unknowingly?subscribe you to a membership. During the checkout process with the third-party merchant there is a small button at the bottom of the page, usually opted in by default, and unless you notice it and opt-out, your financial data is passed on to FreeShipping and you are a monthly paying member.?

RESPONSE: Thomas Caporaso, FreeShipping.com CEO, said BillGuard?s description of the service was ?simply untrue.?

?There is no way that we can collect any billing information from the user without them physically entering it into our member registration form,? he said. ?When people register for FreeShipping.com, they must enter all of their information into our signup page, including their credit card number and billing address. The terms of the offer are presented clearly, immediately next to where they would enter their credit card information, explaining that they may cancel at any time within the 30 days with no charges to their card, and that after the 30 days are over, the subscription converts into a paid membership at $12.97 per month. They are also required to check a box agreeing to the terms of service before we are able to process their trial.? Lastly they may cancel at any time after that with no additional billing from us.?

Many of the complaints generated against FreeShipping.com involve third-party websites sharing consumer information with the service. Caporaso said those consumers are also informed of the cost.

?Regardless if the member goes directly to Freeshipping.com or through a third-party merchant the enrollment process is the same as outlined,? he said.

There are many complaints about FreeShipping.com across the web, such as at this page. To support its complaint about Freeshipping, BillGuard also pointed to this lawsuit against the firm, and noted that there are 341 complaints about the company on ComplaintsBoard.com, and 66 complaints on Scambook.com.

?

7)?Cellulean -- CELLULEAN.COM

BILLGUARD: ?A free sample of a miracle diet product!?Unfortunately, as some of our users learned, unless you call them and request to opt out within a few days of placing your free trial order you are sent a second package for the pricey sum of $75. The main reason most users do not call to cancel their subscription is that they never knew they were enrolled in one to begin with. Cellulean requests your financial information during the checkout process of the free trial supposedly to cover the shipping costs. What they are actually after is your financial information so they may bill you monthly for their product.?

RESPONSE: An operator at Cellulean?s customer service center told us to write an e-mail to CEO Patrick Leddy. He sent this response:?

"Our website and offer meets all legal guidelines set forth by the Federal Trade Commission and the Electronic Retailing Association (ERA). In fact, we place our terms and conditions in full-size readable font right next to the ordering section, instead of hiding them at the bottom of the page (which is the FTC/ERA requirement). ?We then go another step further, beyond the requirements, by placing a check box next to the order button, which states: "I am 18 years of age and agree to the Terms and Conditions". ?The customer is not allowed to check out of the website unless this box has been checked. ?Furthermore, we give the customer two direct purchase options, instead of just the free trial offer, allowing them to choose if they want to enter into the agreement, or simply buy the product with no terms or conditions.?When a complaint has been made by a customer, stating they were shocked when they were billed, and never knew they enrolled themselves into such a program, we have to scratch our heads in wonderment. ?This is a classic case where the customer attempts to pass blame on to the manufacturer, when in fact they entered themselves into a legal binding agreement - with their full knowledge and consent beforehand. ?Customers are not forced to place an order, they do so freely on their own willingness, and should be accountable for their choices." ? ? ? ?

?

8)?Redstarworldwear -- SUNGLASSES-EYEWEAR 0

BILLGUARD: ?Redstarworldwear?is an online retailer of sunglasses and watches. They send out gift certificates ?worth? $500 to unsuspecting consumers informing them that they have won a special prize. Joyful of the prize, the unsuspecting customer then goes to Redstarworldwear website and purchases as much as he can using his newly minted gift card. During the end of the checkout process the customer is informed that there is a?separate?shipping and handling fee that cannot be deduced from the gift cards value. The customer then enters his financial information in order to pay for the (that), which turns out to be a costly 9 percent of the order value. We were interested how valuable these supposed $500 gift certificates actually were so we had a look around eBay, they can be had for under $2!?

RESPONSE: The firm did not reply to two e-mails, but a section of its website offers an explanation for confusion over the gift cards, and makes clear consumers aren?t getting something for nothing.

?There is a 9% Service Fee (per item) that pays for all expenses that RedStar incurs to get the product into your hands. This 9% service fee includes: USPS First Class delivery, processing and handling and general overhead which includes; customer service, order processing, warehousing, labor, cost of goods and materials, profit and marketing.?

There are other complaints online about the firm?s gift cards.

?

9)?Blizzard -- BLIZZARD ENT WOW SUB

BILLGUARD: ?Blizzard, the?hugely?popular merchant behind the Warcraft series, is not a name that usually comes up in?discussions?on unfair charges. So we were surprised to learn of several complaints from our customers regarding unwanted charges from them. After investigating the matter we learned that Blizzard enables a phone billing option called?PaymentOne PhoneBill. This billing option allows you to pay for Blizzard games and subscriptions by merely entering your phone number information in the account settings tab. Obviously, given the young age and lack of credit card availability to some its users, this option has a high potential for unwanted and unauthorized purchases by young family members.?

RESPONSE: Blizzard was unable to provide a response by press time.

?

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[OOC] The New Mage Guild; Draco Edge

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This forum is for OOC discussion about existing roleplays.

Please post all "Players Wanted" threads in the Roleplayers Wanted forum!

Topic Tags:

Forum for completely Out of Character (OOC) discussion, based around whatever is happening In Character (IC). Discuss plans, storylines, and events; Recruit for your roleplaying game, or find a GM for your playergroup.
This is the auto-generated OOC topic for the roleplay "The New Mage Guild; Draco Edge"

You may edit this first post as you see fit.

Sincerely,

The G, Gilbert Ignatio Leonhardt ^-^


User avatar
ZombieGil
Member for 0 years



May I reserve s class Mage number 1?

<3 <3 BLackstar!

Image

Poor Tsubaki though, dealing with his immaturity...

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foreverxraining
Member for 0 years


May I reserve an S rank, or do you do reserves at all lol.

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Fallen
Member for 4 years


@Forever: Sure; just know between you and Fallen

@Fallen: Ditto

It'll be a competition. Sorry, I'm just looking for S-Ranked Mages that are legitimate, so try hard please! :D
Otherwise the other one of you will be an A Mage, which isn't the end of the world.

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ZombieGil
Member for 0 years



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Friday, April 6, 2012

Economic Expectations (TIME)

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Online Homework Help: How to Use the ... - DP T-Shot Reference Blog

Online Homework Help: How to Use the Computer to Get Help Without Stealing Work

April 4th, 2012 by admin

If you are going to make the most of your college education, you have to make sure that you are going to put as much energy as you can into your essays. The problem is that sometimes your teachers cannot offer you the home work help that you need. What you can do in these situations is to use the internet to help you instead. Here we will talk about how to do this.

The first thing to remember is that you can easily use online college essay help in an illegal and bad way. If you use this type of service to buy essays that you hand to your teachers as if you had written them, you are making a huge mistake. Not only could you end up failing your class, but you will also be wasting your money on the college education.

What you should do is make sure that you get the research paper help that you need, and that you use it wisely. For instance, you can find online homework help where you can talk to scholars about what to do for your research papers. You will need to do your own research, of course, but you are not going to need to do the guesswork on what the best topic is. Instead, you can talk to the person about various ideas so that you can find the best one.

You can also use this type of home work help to get ideas that you have not thought of before. The main thing to remember is that you should never let someone lese do your homework for you. This is only going to make you incompetent as an adult. You can, however, use these websites to help you to become inspired.

The best thing to remember is that the ideal place to find your research paper help is right at your college. You should try to talk to your professor if you need help with your essays. You can also talk to other scholars at your college to find the best way of going about completing your essays.

If you feel passionate about the things that you learn, you have to find the college essay help that is going to work best for you. Whether you want help with the research or with finding a good essay topic, you can use the internet if you need to, but the best place to find help is with your teachers. ?

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