Author Archives: Admin

Nsf Bank Fee Apology Letter 5 Steps To Requesting A Refund

By Larry Donaldson

An NSF fee is simply a fee that you pay your bank each time you overdraw your account with a debit card, credit card or check. NSF fees these days at major banks run $30 to $35 per instance. And, the way most overdraft protection programs are set up, you can get dinged with such a fee multiple times in a single day – resulting in $100 or more in charges.

The best thing to do is to avoid putting yourself into a situation whereby you could get charged this type of fee. After all, at least in theory, it should be pretty simple: just don’t make any charges or write any checks when the balance in your checking account won’t cover it.

However, as with most things in life, there is a sizable gap between theory and reality. In practice, on a day-to-day basis, there are a number of things that make it a challenge to always keep proper tabs on one’s checking account balance. For example, the way that many online bank statements display your balance information, it is not always clear which checks or charges have been processed and which have not. Meaning that if you really want to figure out your balance, you need to sit there with a calculator just to do so each and every morning before going shopping.

And don’t depend on your debit card getting rejected at the register as a failsafe way of ensuring you do not overdraw your account. That is because, with most overdraft protection programs, they are set up to actually accept a debit card charge via a merchant even when your balance does not cover the charge! This will result in an automatic NSF fee.

If you have recently had this type of fee assessed to your account, you will want to learn how to write an effective NSF bank fee apology letter in hopes of getting a refund. Here are 5 steps to requesting a refund via letter:

[youtube]http://www.youtube.com/watch?v=HdopZs2qwM4[/youtube]

1. Get your facts straight:

Any time you are presenting a facts-based case for something, it is a good idea to have the facts straight ahead of time. Go through your bank statement for the day of the NSF transaction and write down details such as merchant name, data of transaction, the before-and-after bank balance, and the amount of the transaction.

2. Get a story together about what happened:

Of course, you will need to remain truthful, but put together into a story or narrative form just how this happened. You want to make sure it does not sound like an excuse, but rather just an explanation.

3. Get into a calm state of mind:

The way you feel when writing a letter will come across in your choice of words and syntax. Be sure to put yourself into a relaxed, non-confrontational state of mind before putting pen to paper.

4. Write a well-punctuated, grammatically-correct letter:

Of course, presentation in these matters is important. Make sure that your letter is well-written, and be sure to proofread for grammar and punctuation.

5. Send it out and await the result:

Make sure that at the closing of your letter you actually ask for a refund – do not just apologize and leave it at that. Then, send out your letter and await a response.

If you follow these 5 steps, you are likely to get a refund for your NSF fee if it is the only one you’ve had within the last year.

Important: whether or not you are able to successfully obtain a refund, you should consider changing banks to one that does not charge overdraft fees – even when you overdraw your account. These banks are out there and they are looking for customers like you – those who are fed up with paying excessive overdraft fees.

About the Author: Find a list of no-overdraft-fee banks in your area at:

No Overdraft Fee Banks

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=599850&ca=Finances


Recalled pet food found to contain rat poison

Category : Uncategorized

Friday, March 23, 2007

In a press release earlier today, New York State Agriculture Commissioner Patrick Hooker, along with Dean of Cornell University’s College of Veterinary Medicine Donald F. Smith, confirmed that scientists at the New York State Food Laboratory identified Aminopterin as a toxin present in cat food samples from Menu Foods.

Menu Foods is the manufacturer of several brands of cat and dog food subject to a March 16, 2007 recall.

Aminopterin is a drug used in chemotherapy for its immunosuppressive properties and, in some areas outside the US, as a rat poison. Earlier reports stated that wheat gluten was a factor being investigated, and officials now state that the toxin would have come from Chinese wheat used in the pet food, where it is used for pest control. Investigators will not say that this is the only contaminant found in the recalled food, but knowing the identity of the toxin should assist veterinarians treating affected animals.

The Food Laboratory tested samples of cat food received from a toxicologist at the New York State Animal Health Diagnostic Center at Cornell University. The samples were found to contain the rodenticide at levels of at least 40 parts per million.

Commissioner Hooker stated, “We are pleased that the expertise of our New York State Food Laboratory was able to contribute to identifying the agent that caused numerous illnesses and deaths in dogs and cats across the nation.”

The press release suggests Aminopterin, a derivative of folic acid, can cause cancer and birth defects in humans and can cause kidney damage in dogs and cats. Aminopterin is not permitted for use in the United States.

The New York State Food Laboratory is part of the Federal Food Emergency Response Network (FERN) and as such, is capable of running a number of unique poison/toxin tests on food, including the test that identified Aminopterin.

Retrieved from “https://en.wikinews.org/w/index.php?title=Recalled_pet_food_found_to_contain_rat_poison&oldid=4512281”

English court jails policeman over insurance fraud

Category : Uncategorized

Thursday, July 1, 2010

A court in England, UK has jailed a policeman for ten months after he was convicted of defrauding his car insurance company.

Police Constable Simon Hood, 43, arranged for a friend who dealt in scrap metal to dispose of his Audi TT, then claimed it had been stolen.

Hood had been disappointed with the car’s value when he tried to sell it two years after its purchase in 2008. He arranged for friend Peter Marsh, 41, to drive the vehicle to his scrapyard in Great Yarmouth, Norfolk. Marsh then dismantled the vehicle with the intent of disposing of it, but parts were later found wrapped in bubblewrap at Ace Tyre and Exhaust Centre.

Marsh picked up the TT from outside nearby Gorleston police station. Records show mobile phone conversations between the conspirators that day in March, both before and after the vehicle was reported stolen. The pair denied wrongdoing but were convicted of conspiring to commit insurance fraud after trial.

The fraud was uncovered after Hood told former girlfriend Suzanne Coates of the scheme. It was alleged before Norwich Crown Court that he had confessed to her in an effort to resume their relationship. Coates said that after the pseudotheft, Hood told her “he didn’t want to look for it. He said it would be like looking for a needle in a haystack, which I thought was a bit strange.”

You knew throughout your career that policemen that get involved in serious dishonesty get sent to prison

Shortly afterwards Hood suggested they should become a couple once more, she said; she challenged his version of events regarding the car: “He said he did it but I couldn’t tell anyone. He said he did it with Peter. Peter had a key and took the car away and it was going to be taken to bits and got rid of so it was never found.”

Hood was defended by Michael Clare and Marsh by Richard Potts. Both lawyers told the court that their clients had already suffered as a result of the action in mitigation before sentencing. Clare said Hood had resigned from the police after fifteen years of otherwise good service and risked losing his pension. “It is not a case where his position as a police officer was used in order to facilitate the fraud,” he pointed out. “His career is in ruins.” Hood is now pursuing a career in plumbing.

Potts defended Marsh by saying that he, too, had already suffered from his actions. His own insurers are refusing to renew their contract with him when it expires and his bank withdrew its overdraft facility. His business employs 21 people and Potts cited Marsh’s sponsorship of Great Yarmouth In Bloom as amongst evidence he supported his local community.

Judge Alasdair Darroch told Marsh that he did accept the man was attempting to help his friend. He sentenced Marsh to six months imprisonment, suspended for two years and ordered to carry out 250 hours of community service. He was more critical of Hood:

“As a police officer you know the highest possible standards are demanded by the public. You have let down the force. You knew throughout your career that policemen that get involved in serious dishonesty get sent to prison.”

Retrieved from “https://en.wikinews.org/w/index.php?title=English_court_jails_policeman_over_insurance_fraud&oldid=4459597”

CanadaVOTES: Liberal David Remington running in Lanark—Frontenac—Lennox & Addington

Category : Uncategorized

Friday, September 19, 2008

On October 14, 2008, Canadians will be heading to the polls for the federal election. Liberal candidate David Remington is standing for election in the riding of Lanark—Frontenac—Lennox and Addington.

Wikinews contacted David Remington, to talk about the issues facing Canadians, and what they and their party would do to address them. Wikinews is in the process of contacting every candidate, in every riding across the country, no matter their political stripe. All interviews are conducted over e-mail, and interviews are published unedited, allowing candidates to impart their full message to our readers, uninterrupted.

Retrieved from “https://en.wikinews.org/w/index.php?title=CanadaVOTES:_Liberal_David_Remington_running_in_Lanark—Frontenac—Lennox_%26_Addington&oldid=4495413”

How You Can Save On Remote Control (Rc) Toys

Category : Helicopter

One of the most popular toys today is a remote control or RC toy. These toys allow a child to use a joystick or something similar to control the motions of the toy. The most common RC toy is a remote control vehicle. You can find these in just about every shape and size imaginable, from a tank to a motorcycle.

However, the one drawback to such a toy is often the price. These toys can range in value from under twenty dollars to several hundred dollars. There are a few ways you can save money on these toys and here are some tips to help you.

Visit the Mega Size Toy Stores

Many of the larger toy stores will buy products in bulk and pass their savings onto the customer. You will usually find a larger selection of RC toys as well. Most will have weekly or monthly sales and you can check the ads in your local paper to plan your shopping accordingly.

Shop During the Holidays

One of the best times to shop for remote control toys is during the holiday season. This is when all of the good sales happen and when quite a few newly released toys hit the market. There are always huge sales right after the holiday as well. This can be a great time to pick up a birthday present or two.

Visit a Hobby Store

Remote control toys arent just for kids. Many adults consider them a hobby and spend thousands of dollars each year on keeping up with the latest developments. The hobby stores that serve this segment of the population are a terrific place to look for these toys. You can find new toys, used toys, and parts for repairs. Best of all, you can usually get some great advice on using your remote control toys.

Browse the Net

Online shopping isnt just for clothes! You will find entire websites dedicated to remote control toys. If you find a toy that you like, take a moment and look for a coupon code. These online discount codes can offer a wide range of ways to save some money, such as with codes for free shipping or a percentage of your total purchase.

Stores such as NitroRCX, offer both types of codes. This lets you choose which one can save you the most money. Nitro Planes gives you free shipping on all of their replacement parts. As quickly as shipping charges seem to rise, these can result in a significant amount of cash in your pocket.

In Closing

Remote control toys are a fun pastime for many people, but often the cost of the toy can be a drawback. With the above tips, you can find several ways to save that money. Shop online and use an online discount code. Check out the nearest remote control toy stores. For children, shop the large chain toy stores at or after the holidays. You can save on remote control toys!


Wikinews interviews 2020 Melbourne Lord Mayor Candidate Wayne Tseng

Category : Uncategorized

This article mentions the Wikimedia Foundation, one of its projects, or people related to it. Wikinews is a project of the Wikimedia Foundation.

Thursday, October 22, 2020

2020 Melbourne Lord Mayor candidate Wayne Tseng answered some questions about his campaign for the upcoming election from Wikinews. The Lord Mayor election in the Australian city is scheduled to take place this week.

Tseng runs a firm called eTranslate, which helps software developers to make the software available to the users. In the candidate’s questionnaire, Tseng said eTranslate had led to him working with all three tiers of the government. He previously belonged to the Australian Liberal Party, but has left since then, to run for mayorship as an independent candidate.

Tseng is of Chinese descent, having moved to Australia with his parents from Vietnam. Graduated in Brisbane, Tseng received his PhD in Melbourne and has been living in the city, he told Wikinews. Tseng also formed Chinese Precinct Chamber of Commerce, an organisation responsible for many “community bond building initiatives”, the Lord Mayor candidate told Wikinews.

Tseng discussed his plans for leading Melbourne, recovering from COVID-19, and “Democracy 2.0” to ensure concerns of minorities in the city were also heard. Tseng also focused on the importance of the multi-culture aspect and talked about making Melbourne the capital of the aboriginals. Tseng also explained why he thinks Melbourne is poised to be a world city by 2030.

Tseng’s deputy Lord Mayor candidate Gricol Yang is a Commercial Banker and works for ANZ Banking Group.

Currently, Sally Capp is the Lord Mayor of Melbourne, the Victorian capital. Capp was elected as an interim Lord Mayor in mid-2018 after the former Lord Mayor Robert Doyle resigned from his position after sexual assault allegations. Doyle served as the Lord Mayor of Melbourne for almost a decade since 2008.

Retrieved from “https://en.wikinews.org/w/index.php?title=Wikinews_interviews_2020_Melbourne_Lord_Mayor_Candidate_Wayne_Tseng&oldid=4598699”

News briefs:April 28, 2005

Category : Uncategorized

Thursday, April 28, 2005

Retrieved from “https://en.wikinews.org/w/index.php?title=News_briefs:April_28,_2005&oldid=521307”

House approves Senate amended economic stimulus package

Category : Uncategorized

Friday, February 8, 2008

The United States House of Representatives has passed the bipartisan US$152 billion economic stimulus package that gives one-time rebates to United States citizens, US$600 for individuals or US$1,200 for couples plus US$300 for each child. US$300 checks would be sent to people on low-income including retirees on Social Security which was not included in the original bill backed by President George W. Bush. The plan would begin to decrease rebates for citizens with taxable incomes of US$75,000 for individuals and US$150,000 for couples. The checks would go out to more than a 130 million Americans according to Treasury secretary Henry Paulson.

The House overwhelmingly approved the more broad Senate amended bill which included the low-income portion mentioned above along with provisions that would keep illegal aliens from receiving a rebate check. Despite some opposition from some Congressmen, such as John B. T. Campbell III of California’s 48th congressional district, the plan passed overwhelmingly 380–34.

Campbell called the plan “wealth redistribution” and noted it did not have safeguards to prevent illegals from receiving these rebates and also claimed that stimulus plan would increase the deficit more and noted the cause of the looming recession was because of “credit problems.”

The United States Senate voted hours earlier on the bill which passed in the Senate, 81–16. after having to shed some incentives included by Senate Democrats which caused the bill to fail. Some of the incentives that were left out of the plan in a compromise to gain Republican support were demands for benefits for long-term unemployed workers and stipulation that would allow low-income citizens to pay off heating bills and let home builders pay off losses off the current year against previous tax years.

President Bush approved of the package, noting in a statement, “This plan is robust, broad-based, timely, and it will be effective, this bill will help to stimulate consumer spending and accelerate needed business investment.”

Retrieved from “https://en.wikinews.org/w/index.php?title=House_approves_Senate_amended_economic_stimulus_package&oldid=1499575”

Digital Advertising In Malaysia Helps In Business Expansion

Category : Design Agency

Digital Advertising In Malaysia Helps In Business Expansion

by

Digitaladvert

In this World Wide Web edge, digital advertising which is also referred to as digital marketing, online marketing as well as internet marketing has become one of the most effective methods for businessmen to expand their business globally in a short period of time. It provides great flexibilities and convenience for short or medium sized business organizations or large corporate businessmen irrespective of their types of business. At the earlier stage, digital marketing is not very popular in Malaysia due to unawareness about it among the people but along with time, it has gained popularity. Now, every potential businessman wants expansion of their business by adopting digital marketing methods.

[youtube]http://www.youtube.com/watch?v=-R4P9XwwTbk[/youtube]

Due to popularity of digital advertising in Malaysia, which is increasing continuously, there are lots of digital marketing agency which provides the services as per clients specific needs and requirements. You have to choose one of the best agencies among them which could provide fully professional and affordable services as per your specific business as well as marketing needs and requirements that should also be within your financial budget. In case of large or corporate business organizations, they can hire separating marketing professionals team which will promote their business online globally as there are no any financial issues there. This is not possible for a small or medium sized business organization to hire separate marketing professionals as they have limited budget. In this scenario, they can avail services of a reputed digital marketing agency in Malaysia which will be one of the best options for them to expand their business globally in a short span of time. Being a businessman, you should always make proper enquiries about digital advertising companies in Malaysia whether you are going to avail the services of an agency or you are going to hire marketing professionals for your marketing team. You should always go for a reputed agency which has made well reputation in the market over the time. In case of hiring professionals, you should enquire about their qualifications or experiences. Before hiring them, you should make sure that they are capable to provide you perfect digital marketing solutions as per your custom needs and requirements that should be too within your budget. In this competitive era, there are lots of digital advertising & marketing agencies in the market and its not an easy task for any businessman to choose one of the best among them as per custom needs and requirements. However, online resources would be helpful in this regard to choose the best one as there is lots of website which provide information about reputed digital marketing agencies of Malaysia. Digital Advertising

International combines the highest quality marketing data with technology and seasoned Internet marketing expertise. We are a leading sales process, lead generation, and database management firm.

Article Source:

ArticleRich.com


Police report drug haul seizure worth up to £30 million in Brownhills, England

Category : Uncategorized

Monday, December 2, 2013

Police in the West Midlands in England today said nearly 200 kilograms worth of drugs with value possibly as great as £30 million (about US$49 million or €36 million) has been seized from a unit in the town of Brownhills. In what an officer described as “one of the largest [seizures] in the force’s 39 year history”, West Midlands Police reported recovering six big cellophane-wrapped cardboard boxes containing cannabis, cocaine, and MDMA (“ecstasy”) in a police raid operation on the Maybrook Industrial Estate in the town on Wednesday.

The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated

The seized boxes, which had been loaded onto five freight pallets, contained 120 one-kilogram bags of cannabis, 50 one-kilogram bags of MDMA, and five one-kilogram bricks of cocaine. In a press release, West Midlands Police described what happened after officers found the drugs as they were being unloaded in the operation. “When officers opened the boxes they discovered a deep layer of protective foam chips beneath which the drugs were carefully layered”, the force said. “All the drugs were wrapped in thick plastic bags taped closed with the cannabis vacuum packed to prevent its distinctive pungent aroma from drawing unwanted attention.” Police moved the drugs via forklift truck to a flatbed lorry to remove them.

Detective Sergeant Carl Russell of West Midlands Police’s Force CID said the seizure was the largest he had ever made in the 24 years he has been in West Midlands Police and one of the biggest seizures the force has made since its formation in 1974. “The impact this seizure will have on drug dealing in the region and the UK as a whole cannot be underestimated”, he said. “The drugs had almost certainly been packed to order ready for shipping within Britain but possibly even further afield. Our operation will have a national effect and we are working closely with a range of law enforcement agencies to identify those involved in this crime at whatever level.”

Expert testing on the drugs is ongoing. Estimates described as “conservative” suggest the value of the drugs amounts to £10 million (about US$16.4 million or €12 million), although they could be worth as much as £30 million, subject to purity tests, police said.

Police arrested three men at the unit on suspicion of supplying a controlled drug. The men, a 50-year-old from Brownhills, a 51-year-old from the Norton area of Stoke-on-Trent in Staffordshire, and one aged 53 from Brownhills, have been released on bail as police investigations to “hunt those responsible” continue. West Midlands Police told Wikinews no person has yet been charged in connection with the seizure. Supplying a controlled drug is an imprisonable offence in England, although length of jail sentences vary according to the class and quantity of drugs and the significance of offenders’ roles in committing the crime.

Retrieved from “https://en.wikinews.org/w/index.php?title=Police_report_drug_haul_seizure_worth_up_to_£30_million_in_Brownhills,_England&oldid=2611781”