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4 Sale News [4SN] is a WEB based Publication, whose experts focus on promoting good marketing practices: We will help Americans to shine a light on and designate people and businesses who [1] sacrifice a equitable and safe marketplace for consumers and who [2] betray the public trust and [3] the common good. We will help empower consumers to protect themselves.

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In the Nation Says Forbes

Competition Realty is proud to offer is Business Broker Services in the Commonwealth

We make buying and selling businesses as efficient and easy as possible.

Sell your business confidentially and professional through David Lindsey, Principal Broker with Competition Realty

Virginia has ranked among the top two during each of the seven years of our annual Best States for Business study.

It ranked first between 2006 and 2009.

The state ranks on top of the regulatory category because of its strong incentive offerings and business friendly government policies.

Virginia has a widely diverse economy that includes local and federal government, military, farming and manufacturing.

The state is nicknamed Old Dominion and the Mother of Presidents after the eight U.S. presidents born there.

 

  • At a Glance
    • Population: 8,128,900
    • Governor: Bob McDonnell
    • Median Household Income:$62,936
    • Job Growth (2012): 1.0%
    • Cost of Doing Business: 5.1% below nat'l avg
    • College Attainment: 34.0%
    • Net Migration (2012): 56,900
    • Moody's Bond Rating: Aaa

     

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    • #2 in Labor Supply
    • #1 in Regulatory Environment
    • #10 in Economic Climate
    • #18 in Growth Prospects
    • #4 in Quality of Life

     

We make buying and selling businesses as efficient and easy as possible.

Sell your business confidentially and professional through David Lindsey, Principal Broker with Competition Realty

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 ‘Swipe fee’ rule’s small issuer exemption is working, Fed says

Public Watch  Dog
‘Swipe fee’ rule’s small issuer exemption is working, Fed says
Banking
Tuesday, May 28, 2013
Federal Reserve debit card interchange fee caps enacted under the Dodd-Frank Act have not harmed smaller issuers as some industry participants feared, the agency said in a May 23 report. According to Fed numbers, small institutions that are exempt from the new rules received roughly the same fee revenue per transaction in 2012 as they did before the rules went into effect in October 2011.




Posted by editor on Thursday, May 30 @ 05:19:21 MST (24 reads)
(Read More... | Score: 0)

 Neiman Marcus Bait & Switch Fur Fraud

Bait and Switch

Neiman Marcus

Bait & Switch

  Fur Fraud

Neiman Marcus Settles with FTC Over Faux Fur Labeling Flap

The Neiman Marcus Group Inc. and two other retailers have agreed to settle Federal Trade Commission charges that they deceived consumers by claiming certain products contained fake fur when in fact the fur was real.

The FTC alleged that the retailers falsely claimed that genuine fur trim on coats and shoes was "faux," in violation of the Fur Products Labeling Act and the Federal Trade Commission Act.

For example, Neiman on its website described a $1,295 cardinal red Burberry Outerwear Jacket as featuring a "Black faux-fur hood with snap-tab detail." The label on the actual coat, however, disclosed that the fur is real.

Another ad for a Weitzman Ballerina Flat ($325) claimed that the shoe had a "Faux fur (cotton/viscose) pom on round toe." In yet another ad, the same shoe was billed as having a "dyed mink pouf." The shoe actually used rabbit fur.

Mouse over the NLJ logo & Click for Original Post

Neiman neither admitted nor denied the allegations. The company was represented by Daniel Schwartz, a partner at Bryan Cave.

In a statement, Neiman said it "is dedicated to providing complete and accurate information to our customers....Under the agreement we have signed with the Federal Trade Commission, [Neiman] has committed to identify correctly and promote accurately the fur and faux fur products offered in our catalogs and on our websites. Neiman Marcus will continue to work closely with our vendors and the FTC to provide the transparent and accurate product information that our customers expect and deserve."

DrJays.com also settled FTC charges for allegedly misrepresenting the fur content and failing to disclose the animal name for two coats and a leather/fur vest.

Eminent Inc., doing business as Revolve Clothing, allegedly misrepresented the fur content on four products. For example, an ad for a Marc Jacobs Runway Roebling Coat said it had a "Faux fur trimmed hood" when the coat label stated the trim was "real coyote fur."

All the retailers are prohibited for 20 years from violating the Fur Act. Also, according to the FTC, the "orders provide that the respondents will not be liable for misrepresentations about fur products that they directly import if they do not embellish or misrepresent claims provided by the products' manufacturers, they do not sell the product as a private label product, and they neither know nor should have known that the product is marketed in a manner that violates the Fur Act."





Posted by david on Friday, March 22 @ 02:33:30 MST (278 reads)
(comments? | Score: 0)

 Facebook App for Boobs and Juggling

Consumer Awareness

 

FACEBOOK  APP FOR BOOBY  TRAPS!!!!!

Facebook App for Bra Fitting

Juggling it all together

Mouse over and click the DM logo to see the DM's piece

The seven booby traps in a badly fitting bra: 100 years after its invention 80% of us are STILL wearing the wrong size

  • A quarter of women have NEVER had a bra fitting
  • Seven bra faux pas include Side Boob, Quadraboob and Super Drooper
the bra faux pas

When it comes to finding the right bra, even the most proficient shoppers often despair. It's hardly surprising when there are seven different ways in which The most common was The Side Boob (41 per cent), where the wires in the cup of the bra sit on the breast tissue rather than the ribcage.

  • The most common, experienced by 41 per cent of the 1,000 women surveyed, is the ‘side boob’, in which the cup underwiring sits on the breast rather than on the ribcage, causing overspill at the side.

  • And more than a third admitted to experiencing the ‘quadraboob’, in which breasts spill over the top of a too-small cup, creating the impression of four breasts.

 

 

The survey, carried out by lingerie firm Bravissimo to mark the 100th anniversary of the creation of the bra, found many women hadn’t had a proper fitting in two years.

Many wear bras that are too small because they cannot find attractive ones in larger sizes, or are unwilling to admit that their breasts are larger than DD – the biggest size in many ranges. Bravissimo is now launching an online ‘boob school’ to teach women how to choose a well-fitting bra.

A spokesman said: ‘We’d noticed that there were a number of booby traps women were falling into, normally because they’ve never experienced a proper fitting and they simply don’t know how to spot the signs that their bra is no longer giving them the support they need.

‘By identifying the seven classic bra faux pas and launching Boob School, we’re hoping that women everywhere can become more knowledgeable about what makes a really good fitting bra.’

 

 

Ladies with larger assets experiencing more problems finding a properly fitted bra and dealing with the challenges of having more to handle in the first place.

The Quadraboob was the biggest pitfall for ladies with a larger bust, with 53 per cent of women who were above a GG cup size falling prey.

 

Christina Hendricks often suffers a multitude of sins including the Ledge and Side Boob

The survey found 41 per cent of us suffer from the Side Boob, where wires in the cup sitting on your boob rather than your ribcage.

The High Rider, where the back of the bra rides up, affects 39 per cent, while a third (36 per cent) get the dreaded Quadraboob, where the bust spills over the top of the cup, giving the impression of four boobs.

The Big Stand Off, where the front of the bra doesn't sit flat on the sternum between the boobs affects almost a third (28 per cent) while the Super Drooper affects a quarter (26 per cent) who aren't getting enough support, creating the illusion of saggy boobs.

Another quarter who buy bras that are too big, 24 pr cent, suffer from the appearance of Saggy Cups where there's too much fabric.

 

Denise Welch's cups are a tad small as she's getting a touch of Side Boob droopy

The Ledge is created with over uplift, transforming your boobs into something that resembles a ledge, and it affects 12 per cent (including voluptuous Christina Hendricks).

Although all the faux pas identified could be avoided by wearing a good fitting bra, only one in five women said that they were extremely confident that they were wearing the correct bra size. 

This is unsurprising, as the study also identified several reasons why women continually experience such uncertainty about their bra size. 

Over a two year period, three quarters (77 per cent) have lost or gained weight, 62 per cent have changed their clothes size, 17 per cent have gone through the menopause and 10 per cent have had a baby, all potentially impacting upon their bra size.

BRAVISSIMO!

 HOW TO GET THE RIGHT FIT

1. The strap around your body should be firm but comfortable. 

When you stand side-on at a mirror, the strap that runs around your body should be horizontal and should not ride up at the back at all.

 

2. The wires at the front should lie flat against your rib cage and should not dig in, rub or poke out at the front.

 

3. Your breasts should be enclosed in the cups and you should have a smooth line where the fabric at the top of the cup ends and meets your bust. 

4. You shouldn't have any ridge or bulging over the top or sides of the cups, even if you are wearing a balconette style or lower cut shape.

Perfect fit? You should have a smooth line where the fabric at the top of the cup ends and meets your bust

However, despite the shifts in boob size that women are experiencing, 24 per cent of UK women admitted to having never had a bra fitting and 21 per cent haven't been for a fitting for at least four years.The Bravissimo research was conducted by Curiosity Research and 1,155 women of all ages from across the UK completed the survey.

They found that around two fifths of women feel comfortable telling a friend that they've made a bra faux pas - with a woman from the North West most likely to be up front (50 per cent saying they'd tell a friend).

Women from the South West and those aged 51 and over are the least likely to make a bra faux pas.

A third of women have had a fitting in the last year. Half of those who are GG+ Cup size have had a fitting in the last year, the same applies to those aged 30 or under, but a quarter of women who hadn't had a fitting in more than two years feel they simply don't need a fitting, whilst a fifth are too embarrassed.

 

before after

After this lady got fitted by a professional she discovered her true, completely different, correctly fitting size

Four fifths own more than five bras, but less than half wear more than five bras regularly.

Jo Lee, Buying and Marketing Director at Bravissimo, comments: 'We'd noticed for some time that there were a number of booby traps women were falling into, normally because they've never experienced a proper fitting and they simply don't know how to spot the signs that their bra is no longer giving them the support they need.

'By identifying the seven classic bra faux pas and launching Boob School, we're hoping that women everywhere can become more knowledgeable about what makes a really good fitting bra, so they feel more confident about their bra size now and into the future and our brilliant British boobs can finally get the treatment they deserve!'

In response to the findings, Bravissimo is now launching the world's first Boob School to help other women avoid falling into these booby traps, in a bid to help women feel brilliant about their boobs.  

Boob School will talk to women about their boobs, give advice on what they should be looking for in a perfectly fitting bra by following their simple lessons online, via a Facebook app or in store. 

 

Women of the UK wanting to enroll in Boob School should visit their Facebook page, website (live from 4 March) or one of their 21 stores in the UK

Bravissmo's sister brand Pepperberry provide clothing for ladies with a larger bust, ranging in Curvy, Really Curvy and Super Curvy. 

Their clothes are specifically tailored for pear, apple and hourglass shapes in sizes 8 to 18.





Posted by david on Tuesday, March 05 @ 06:49:22 MST (515 reads)
(comments? | Score: 0)

 Shop your refi loan you can refi with any institution.

Myths and Fables Shop Your Refinance Loan; you can refi with any institution

Shop your refi loan 

you can refi with any institution.

By JOHN CRUDELE

Last Updated: 11:01 PM, February 16, 2013

Posted: 10:33 PM, February 16, 2013

John Crudele

Mouse over and click the NYP logo for full article

headshot
John Crudele

 

 

DEAR JOHN...THE ANSWER MAN

Dear John: I think you missed a point last week in advising the woman in "refi hell."

Your answer should have stressed to people (some of whom apparently don’t know) that you can refi with any institution.

This lady got jerked around for over six months by IndyMac (or what’s left of it), thereby risking losing out on historically low rates. You should tell your readership to shop around, as it usually makes more sense to refi with someone else.

The original institution has no vested interest in knocking 3 percent or 4 percent off what you are paying. I know you know this; I just hope you will stress this in the future.

I was practically yelling at this woman to go shop somewhere else. I wouldn’t even bother trying to "contact" them as you apparently did so for her.

I have refi’d twice in past 16 months here on Long Island. When Wells Fargo jerked me around the first time (I had a 30-year mortgage at 5 percent), I said, "Keep your appraisal fee" and hit the Internet and some brokers.

This took me to 25 years at 4 percent. And then last month, to 20 years at 3.375 percent on a roughly 550,000 loan.

Anyway, keep up the good work. C.S.

Dear C.S. Thanks for reminding readers of this. I’ve told readers to shop around before, but the woman you are talking about from last week’s column specifically wanted to deal with IndyMac Bank because she thought it would take too long to start over with another bank.

Dear John: I have not missed or been late with a bill payment in 40 years, and I pay my bills in full. The last time I checked, my credit rating was in the low 800s.

In return, I now get my bills two or three days later than I used to, and most have moved up the due date.

Most notably, my cable bill due date has gone from the 7th to the 1st of the month. The net result is that I now have two weeks to pay bills, not the former three to four weeks.

Is this a general trend? Are vendors trying to get late payments and hence late fees?

Or are they not-so-subtly trying to force me into scheduled e-payments, which I detest and will continue to avoid as long as possible? J.W.

Dear J.W.: Those are interesting questions but quite frankly, I don’t imagine anyone will admit to squeezing you for money quicker than normal. But it seems you already have the evidence to prove this is being done.

And why not?

Most businesses are about cash flow. And the quicker a company gets money out of your pocket and into its hands, the better for it.

Maybe they are also trying to get you to pay online. Electronic payments save them money and — again — get them the cash quicker than the old way.

I suggest you call up the companies that send you bills and ask, "What’s up, Bub?" If you tell them you think you are being treated unfairly — and "unfairly" is the key word — I think they will come to some sort of agreement with you.

Send your questions to Dear John, The NY Post, 1211 Ave. of the Americas, NY, NY 10036, or john.crudele@nypost.com.

 



Posted by david on Sunday, February 17 @ 06:29:44 MST (470 reads)
(Read More... | Score: 0)

 Not Getting What You Pay For On Ebay

Cons on Ebay

Not Getting What You Pay For On Ebay

Getting Screwed on Ebay

Ebay Warranty

Paypal warranty

Seller:

Judith Gall
405 Bluebird Hvn
Middletown, DE 19709-9599

Can not pass on her email address as Yahoo saids the email address she gave to PayPal as her email address is a fakespringdale1037 (168 Feedback Score: 168 )

What was advertise on EBAY: Item Number 121044751546

ORNATE. EXCELLENT CONDITION AND DETAIL. A REALLY GOOD LOOK. GOOD LUCK

SUPER PAIR OF BLACK CAST IRON WALL MOUNTED LAMP OR PLANT HOLDERS THAT SWING. VERY ORNATE. EXCELLENT CONDITION AND DETAIL. A REALLY GOOD LOOK. GOOD LUCK

LAMP OR PLANT HOLDERS WALL MOUNTED CAST IRON

Used: An item that has been used previously. See the seller’s listing for full details and description of any imperfections

Issues:

These are new production pieces.

One wall mounting bracket has slag blockage over one of the pivot holes and the swing arm can not be inserted. *How can this be a used item when it can not be used because it has a defect that will not allow the pivot art to attach to the wall bracket?


The bolts [flat shouldered and new] are not designed to fit the lamp holder bolt socket on top because the socket was designed to take what is often referred to as a stove bolt. The flat shoulder causes the lamp holder to sit improperly.

 










Note:

Will provide updates to this as the Seller/ Ebay/ and Paypal respond.


Posted by david on Saturday, January 05 @ 18:04:47 MST (455 reads)
(Read More... | 31746 bytes more | comments? | Score: 0)

4Sale News Aims

4 Sale News

Mission Statement

About 4 Sale News

4 Sale News [4SN] is a WEB based Publication, whose experts focus on promoting good marketing practices: We will help Americans to shine a light on and designate people and businesses who [1] sacrifice a equitable and safe marketplace for consumers and who [2] betray the public trust and [3] the common good. We will help empower consumers to protect themselves.

How we inform and protect

4 Sale News can reach millions of consumers through this WEB SITE or by other web sites that can be linked to this web site, your safety is a priority. All product and service reports including safety-related reports are free to all site visitors.

We report, to government agencies, that work on consumers'' behalf issues that effect health care, food safety, financial services, and product safety. We will provide testimony and evidence before Federal and state legislative and regulatory bodies, petition government agencies, and help, aid and assist in the filing of lawsuits on behalf of consumers via organizations authorized to file such suits.


4SN Dinning Ratings

Under Development

GRUB 

A Taste and Rating of Virginia's Food, Wine, and Dinning Scene  by 4SN Commentators, Good Eating & Dining Staffs

 



     Big Story of Today
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     Old Articles
Saturday, December 08
· Sears, a very disappointing experience 
Tuesday, November 27
· Is T-Mobile Screwing With You?
Sunday, November 25
· What does, " Subcribe to the Family Handyman and Get 1 Year For Just $5", Mean?
Tuesday, November 20
· Henry Repeating Arms To Go Into Production Dec. 1
Sunday, November 18
· Traveling with pets
· Proper Use of a Fan in Winter
· Tips On Painting
Friday, November 16
· How to Clean Your House With Only One Product
· Supermarkets Bait & Switch
Tuesday, October 30
· Wells Fargo Waives Fees
Monday, October 29
· Bracing for Hurricane Sandy
· GEICO Storm Claims ~ Sandy
· Chase extends a hand during Sandy
Friday, May 04
· Will More Realtors Pull MLS Listings from Trulia and Zillow?
Friday, August 26
· Homeowners pay for customer service as part of their monthly mortgage payment
Friday, February 25
· Virginia Beach Lawyer's False Advertising Gets hin disbared?
Sunday, February 13
· 45 ACP Recall
Monday, February 07
· U.S. Mortgage Crisis: Where Does The Homeowner Stand?
Thursday, February 03
· Snakes in the House
Saturday, January 01
· Who Screwed up the Mortgages?
Wednesday, December 29
· Growing Fish in the Desert
Tuesday, December 28
· Mortgage servicers must provide documentation that their foreclosure processes a
· How to deal with an insurance company that will not pay a bill for damages
Tuesday, December 07
· 'Twas the Night Before Christmas
Thursday, September 02
· A mortgagor may waive its right to compel arbitration
· ALTERNATIVE DISPUTE RESOLUTION; ARBITRATION; INCORPORATION CLAUSES
Saturday, August 28
· Fraud on the Court By Mortage Companies
Friday, August 27
· FHFA's proposed ban on private transfer fees could cost homeowners
· Lawyers Just Maybe 3rd part Debt Collectors Subject to FDCPA
Sunday, June 20
· Crisis in Confidence

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