Paul F. Davis's Blog, page 45

June 11, 2012

Diversity Speaker on Diversity Explosion Across America

As a diversity speaker I know a diversity explosion is occurring across America. You don't have to see far beyond your nose to recognize the diversity explosion occurring in our midst.

The racial and ethnic demographic is changing, a power shift is occurring and as a diversity speaker I can affirm society is learning (although some stiff necked folks still are resisting). Unfortunately not everybody is celebrating, nor embracing the diversity explosion. But much good amid this diversity explosion is happening!

Not your typical diversity speaker, I have traveled to 68 countries, lived overseas and also in Queens County, New York (the most diverse county in the United States).

Thus I'm not just a top heavy academic writing about the diversity explosion, nor merely a motivational speaker seeking to milk and make merchandise of the last fad or trend on the speaking circuit.

Truly a diversity speaker, I also studied global affairs at NYU in grad school. Moreover I certainly have experienced a diversity explosion and life-changing interactions on a global scale via my own life.

Before becoming a diversity speaker, I worked at Ground Zero in NYC during 9-11; helped rebuild a home at the tsunami epicenter in Indonesia; comforted victims of genocide in Rwanda; spoke to leaders in East Timor during the war; inspired students and monks in Myanmar; promoted peace and reconciliation in Pakistan; developed leaders deep in the bush of rural Africa where villagers had never before seen a white man; and fed the hungry in impoverished Haiti.

As for the diversity explosion occurring across America, the Brookings Institute reports the new racial demographics are remaking America [http://www.brookings.edu/research/boo...].

As the white populace and baby boomers age, robust growth is occurring among previously classified minority groups. In Orlando, Florida where I was born and live, whites are no longer the majority, but account for about 49% of the populace.

According to William Frey of the Metropolitan Policy Program, 'Hispanic and Asian groups now account for all the growth in the nation’s youth population. As this younger multi-ethnic generation grows up, the nation’s labor force and electorate will be transformed.'

Thus pattern and power shifts are occurring, traditional patterns thereby reversing. The historical migration northward is now heading south.

Ravi Agrawal of CNN reports, nearly half of all new citizens live in the three states of California, Florida, and New York.

Fareed Zakaria, host of CNN's Global Public Square, calls our attention to the fact that '62% of permanent-resident visas in Canada are based on skills;' whereas 'in the U.S. only 13% green cards granted because of talent.'

While this diversity explosion and all of its ramifications in society, the economy and industry are occurring; America is not as much of a “melting pot" in some parts of the country.

Racism, division, a white supremacy mentality and bigotry still exist in states nowhere near salt-water (oceans and the Gulf of Mexico) and still among a few people in racially diverse cities and communities.

A diversity explosion does not do away with racism, but it does force and compel a greater degree of cross-cultural understanding and multi-ethnic awareness to sustain your business and standing in politics and community.

Ironically in the future, some racist whites now aging may find the very people they used to hate caring for them in the health care industry, nursing homes and in ways they never before did foresee.

Thus as a diversity speaker I educate, awake, and reconcile people so they can love unconditionally, celebrate diversity, embrace the uniqueness of individuality and humanity, and ultimately be a better human being capable of better connecting and working with others to build a legacy.

The diversity explosion revolutionizing our country is here. If you are still living with your head in the sand, take a look in the White House and see that it has finally got some color in it.

Again the diversity explosion is here, are you ready to embrace, ride and enjoy it or will you be made irrelevant by it? Either way, the diversity explosion is here to stay.

If you need some more help to get a check up from the neck up, remove stinking thinking in or around you, or a bit of assistance to renew minds and prepare hearts so you an experience all the blessings God has for you... then contact me below.

http://www.PaulFDavis.com/diversity-s... – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

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Published on June 11, 2012 11:32 Tags: diversity-explosion, diversity-speaker

Feel Alone, Need a Friend, Overwhelmed by Life - Turn to God

Feel alone, need a friend, overwhelmed by life? Turn to God!

God is a friend that sticks closer to you than a brother. By the power of the Holy Spirit, heaven's long-distance telephone operator, you can not just pray but hear from heaven everyday. God's love letter, the Bible, contains innumerable words of love, wisdom and power to strengthen you daily.

So the next time you feel alone, need a friend, and are overwhelmed by life look up to heaven where you help comes from.

I'm a Christian myself and when I feel alone, need a friend, somebody who understands me, and am utterly overwhelmed by life I call upon Christ Jesus, praying to God the Father in Jesus' Name for divine intervention and help to alter difficult situations.

So if you feel alone right now, need a friend, or are overwhelmed by life, pray with me now saying outloud right where you are:

"Jesus, thank you for coming to earth to die for me and the sins of humanity. I believe you rose victorious over death, hell and the grave. Please forgive me of my sins and come to live within my heart by the power of the Holy Spirit that rose You from the dead and lifted you to heaven. Love, comfort and lift up my life to where I belong and help me fulfill my purpose and destiny for your glory! I need, love and welcome you into my life right now!"

If you prayed that prayer, I'd love to hear from you and encourage you further in your spiritual walk and Christian growth.

I've written several books you can purchase at my website to assist your spiritual journey:
- Supernatural Fire
- Waves of God
- God vs. Religion
- Healthy Relationships
- Breakthrough For a Broken Heart
- Stop Lusting & Start Living

I hope you don't feel alone anymore. The next time you do feel alone, misunderstood, overwhelmed by life and need a friend talk to Jesus (as He never slumbers nor sleeps), talk to God the Father and get to know your spiritual family. Find a good church locally through Foursquare.org church locator.

God bless you and bring you to your best days!

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

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http://www.NY-life-coach.com
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Published on June 11, 2012 06:32 Tags: feel-alone, need-a-friend, overwhelmed-by-life

June 10, 2012

Earn Money for Church or Raise Money for Charity

Earn money for church or raise money for charity - whatever your favorite charity or church may be.

Earn money for church today just for signing up for free. I know it's hard to believe!

http://tinyurl.com/6snfjro

I minister in churches across the world of all denominations and truly want to help Pastors and churches in need of finances to better serve their community and global vision.

We all buy a huge amount of merchandise every week, much of which is sold online. However once you freely sign up at the above link and establish a free account for your Pastor or Church (or favorite charity), you then can ask everyone in your group to join with the refer-a-friend web link to earn your friends and your church (or charity) $10 each for every person who freely signs up.

This company whom I buy hundreds of dollars of vitamins, supplements, food, shampoo, soaps, etc. enables you to earn money today just for signing up for free. Hard to believe, but indeed true as I learned this from my wife and made money myself (plus saved up to 40% often on items I bought at retail prices every week). This would be a great way to earn money for church or raise money for charity.

While living in NY this was even better because I hate cold weather and they shipped whatever I bought (no sign up fee, no fee ever, no this is not a multilevel marketing company - I hate all of these gimmicks) ..but this way whatever I bought we shipped straight to my apartment (no gas, time spent shopping, cold snow or subway fees).

Give it a shot! Earn money for church or raise money for charity today when you sign up for free because the company so believes in their product they give those who sign up money to shop before they ever buy a thing, never any hidden fees, etc. It's legitimate ...but I know hard to believe for skeptics who don't trust people like me.

Nevertheless it truly is a great way to earn money for church or raise money for charity.

Heck I found it hard to believe and nearly didn't believe my own wife, but I'm glad I did. Earn money for church or raise money for charity today when you take a few moments to sign up for free and enjoy!

http://tinyurl.com/6snfjro

Just today on Twitter I clicked on a Pastor of two mega-churches blog post and found this same company advertised that I'm telling you about, which can earn money for church (your church) or raise money for charity (your charity) ethically, honestly and the product and company is of good quality.

I know personally because I once inquired as to one item I bought about a year ago, and the company refunded me for every item I ever bought over two-a-half years (now that is integrity).

Earn money for church or raise money for charity today when you sign up here freely http://tinyurl.com/6snfjro (get $10 for yourself and thereafter create a similar link for your church or charity to tell others and do likewise).

Another way to earn money for church or raise money for charity, while saving money for your church and favorite charity online is to utilize this next online company I'm going to tell you about.

This second company is a wholesaler that routes you online to many of the most popular and widely used companies shopped and frequented by us all.

By using this second company for a wider array of products (creating a free account with them) and typing in whatever company you really want to shop at through their website (which will re-route you and pay you for doing it this way) you can earn money for church or raise money for charity.

Save money online while earning money for church or raising money for charity!

Online shopping discounts save me thousands of dollars every year! I've bought thousands of books online for grad school.

Among the many things I bought with online shopping discounts:
- vitamins and supplements (over a thousand dollars worth)
- books (probably about five thousand dollars worth)
- household items (dehumidifiers, heaters, cleaning products, etc)
- clothes
- electronics

My wife is the queen of coupons, taught me how to save money online and all about online shopping discounts. Save money online double when you sign up with this wholesaler below, through whom you can go to other online stores (and earn up to 8% or sometimes more on your purchase back, payable to you, for the same things you buy anyhow).

Mr. Rebates

When I learned of this online shopping discounts website, I thought it was a gimmick, but since my wife pushed and applauded it so much to save money online, and I saw her earnings, I tried it myself when buying vitamins and have earned twice already this month!

If you want to save money online, not have to burn gasoline, save money, time, aggravation - then these only shopping discounts and tricks will bless your socks off I promise you!

Click the above cartoon character, follow the link, sign up for free and use this website in route to your online shopping discounts to save money online today at many of your favorite websites.

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com
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Published on June 10, 2012 15:09 Tags: earn-money-for-church, raise-money-for-charity

Earn Money Today! It's Hard to Believe

Earn money today just for signing up for free. I know it's hard to believe!

http://tinyurl.com/6snfjro

This company whom I buy hundreds of dollars of vitamins, supplements, food, shampoo, soaps, etc. enables you to earn money today just for signing up for free. Hard to believe, but indeed true as I learned this from my wife and made money myself (plus saved up to 40% often on items I bought at retail prices every week).

While living in NY this was even better because I hate cold weather and they shipped whatever I bought (no sign up fee, no fee ever, no this is not a multilevel marketing company - I hate all of these gimmicks) straight to my apartment.

Give it a shot! Earn money today when you sign up for free because the company so believes in their product they give those who sign up money to shop, never any hidden fees, etc. It's legitimate ...but I know hard to believe for skeptics who don't trust people like me.

Heck I found it hard to believe and nearly didn't believe my own wife, but I'm glad I did. Earn money today when you take a few moments to sign up for free and enjoy!

http://tinyurl.com/6snfjro

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com
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Published on June 10, 2012 11:06 Tags: earn-money-today, hard-to-believe

Save Money Online - Online Shopping Discounts for Best Price and Money Back

Save money online! Online shopping discounts save me thousands of dollars every year! I've bought thousands of books online for grad school.

Among the many things I bought with online shopping discounts:
- vitamins and supplements (over a thousand dollars worth)
- books (probably about five thousand dollars worth)
- household items (dehumidifiers, heaters, cleaning products, etc)
- clothes
- electronics

My wife is the queen of coupons, taught me how to save money online and all about online shopping discounts. Save money online double when you sign up with this wholesaler below, through whom you can go to other online stores (and earn up to 8% or sometimes more on your purchase back, payable to you, for the same things you buy anyhow).

Mr. Rebates

When I learned of this online shopping discounts website, I thought it was a gimmick, but since my wife pushed and applauded it some much to save money online, and I saw her earnings, I tried it myself when buying vitamins and have earned twice already this month!

If you want to save money online, not have to burn gasoline, save money, time, aggravation - then these only shopping discounts and tricks will bless your socks off I promise you!

Click the above cartoon character, follow the link, sign up for free and use this website in route to your online shopping discounts to save money online today at many of your favorite websites.

http://www.PaulFDavis.com – consumer advocate, worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com
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Published on June 10, 2012 10:42 Tags: online-shopping-discounts, save-money-online

Behind on House Payments - Help to Assume Existing Payments, Save Credit, Be Free from Stress

If you are behind on house payments for your mortgage, overwhelmed and would like someone to assume existing payments I may be able to help. If you are behind on house payments and are being foreclosed upon, I feel your pain.

After my ex-wife had an affair and divorced me (and took a sizeable chunk of my inheritance from the grandparents who raised me) I was turned upside down emotionally and financially.

If you are behind on house payments and are being foreclosed upon, I may be able to help. Many people across the country are in the same situation - are behind on house payments and just want someone to assume existing payments, take over their mortgage and save their credit (and allow them to get out from under the grief and stress of debt).

Be encouraged if you are behind on house payments, the sun always shines above the clouds and it doesn't rain forever.

As the author of 'Breakthrough For a Broken Heart' and a licensed Florida real estate professional I'm interested in helping homeowners who are behind on house payments, are being foreclosed upon and want someone to assume existing payments on their mortgage to save their credit.

Please write me stating the amount of your mortgage in full, how much has been paid (your equity presently in the home) thus far, how many months back payments you are behind on, how long ago (when) you began being foreclosed upon, if you have a second mortgage of any kind, the condition of your home (some pictures inside and out would help) and the city, county and state you live in.

There are many extenuating circumstances that often cause good people to get on house payments and unfortunately be foreclosed upon. Nevertheless sometimes there are ways I can assume existing payments and help.

Write me with the answers to the above details and I will see what I can do to help you before you lose your home and are foreclosed upon. Banks are merciless! I know, I have fought banks before who tried to defraud me and my family.

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global properties consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com) - FL real estate professional with Wright Choice Realty

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

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http://www.NY-life-coach.com
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Published on June 10, 2012 10:21 Tags: assume-existing-payments, behind-on-house-payments

Can't Make House Payments - Being Foreclosed Upon

If you can't make house payments and are being foreclosed upon, I feel your pain. After my ex-wife had an affair and divorced me (and took a sizeable chunk of my inheritance from the grandparents who raised me) I was turned upside down emotionally and financially.

If you can't make house payments and are being foreclosed upon, I may be able to help. Many people across the country are in the same situation - can't make house payments and being foreclosed upon.

Be encouraged the sun always shines above the clouds and it doesn't rain forever.

As the author of 'Breakthrough For a Broken Heart' and a licensed Florida real estate professional I'm interested in helping homeowners who can't make house payments and are being foreclosed upon.

Please write me stating the amount of your mortgage in full, how much has been paid (your equity presently in the home) thus far, how many months back payments you are behind on, how long ago (when) you began being foreclosed upon, if you have a second mortgage of any kind, the condition of your home (some pictures inside and out would help) and the city, county and state you live in.

There are many extenuating circumstances that often cause good people to behind so they can't make house payments and unfortunately are being foreclosed upon. Nevertheless sometimes there are ways I can help.

Write me with the answers to the above details and I will see what I can do to help you before you lose your home and are foreclosed upon.

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global properties consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com) - FL real estate professional with Wright Choice Realty

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com
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Published on June 10, 2012 07:53 Tags: being-foreclosed-upon, can-t-make-house-payments

June 9, 2012

Elance Outsourcing - Elance Testimonies

If you are considering elance outsourcing and looking for some elance testimonies, I use elance outsourcing and have several elance testimonies. My username at elance is wordpower.


Build Your Team


Elance outsourcing has innumerable service providers and skill sets. When you use elance outsourcing, you can specify the hourly rate (range) of what you will pay your service provider/employee and you can also specify many other things like the required expertise, tests passed for certain skills, linguistic ability, geographical preference and much more.

Among my elance testimonies, I have had some elance service providers do:
- book covers for me and my wife
- update websites
- build landing pages
- translate websites into other languages
- assist with powerpoint creations

Best of all when you use elance outsourcing you get to rate your service providers on a scale of 1 to 5 upon completion, which stays with their profile when they big on future jobs. So service providers fulfilling elance outsourcing work extra and more hard than they would were they working alone with nobody watching them.

Good elance testimonies means more future jobs for elance outsourcing service providers.

Check out elance outsourcing for your business and write me back with your elance testimonies.

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com

If you are considering elance outsourcing and looking for some elance testimonies, I use elance outsourcing and have several elance testimonies. My username at elance is wordpower.


Build Your Team


Elance outsourcing has innumerable service providers and skill sets. When you use elance outsourcing, you can specify the hourly rate (range) of what you will pay your service provider/employee and you can also specify many other things like the required expertise, tests passed for certain skills, linguistic ability, geographical preference and much more.

Among my elance testimonies, I have had some elance service providers do:
- book covers for me and my wife
- update websites
- build landing pages
- translate websites into other languages
- assist with powerpoint creations

Best of all when you use elance outsourcing you get to rate your service providers on a scale of 1 to 5 upon completion, which stays with their profile when they big on future jobs. So service providers fulfilling elance outsourcing work extra and more hard than they would were they working alone with nobody watching them.

Good elance testimonies means more future jobs for elance outsourcing service providers.

Check out elance outsourcing for your business and write me back with your elance testimonies.

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

http://www.Linkedin.com/in/worldprope...

http://www.NY-life-coach.com
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Published on June 09, 2012 13:04 Tags: elance-outsourcing, elance-testimonies

TD Bank Legendary Lies and Florida Mall Hotel ATM Fraud, CSR Alert

TD bank legendary lies and the Florida mall ATM fraud fiasco continues! On June 19th, 2012 I phoned TD bank, spoke to Angel and Ebony, the latter of which advised me to call TD bank's supervisor who ran the failed investigation, Mr. Sean Cusack at 856-533-6910.

LOL TD bank asked me to call a number they never intended to answer, because "network difficulties" showed up on the automated pick up when I tried to phone it. Giving TD bank the benefit of the doubt, I called my own number to see if may be my phone provider with network difficulties. No! My phone works. It is TD bank that doesn't and allows consumer fraud of its customers without providing ample evidence, a copy of the Florida Mall Hotel video, or anything else to justify its deceit and defrauding customers of their hard earned money.

TD bank greatly lied to and disappointed me after a long ordeal to recuperate $20 I was shorted when withdrawing $200 at the ATM at the Florida Mall Hotel in Orlando, FL (a.k.a. THE FLORIDA HOTEL AND CONFERENCE CENTER at The Florida Mall).

Why would I go to the Florida Mall Hotel to use the ATM machine when I live in Orlando and could go to TD bank directly?

Because the Armani Store's credit card machine and connection was down, I did something I usually don't do - take money out of an ATM other than my bank's ATM machine. I usually go to TD bank or Publix to withdraw small amounts of petty cash.

TD Bank offers its customers who hold a balance above $2,500 (which I have for quite some time) free ATM use anywhere in the world, even promising to reverse the fees charged at places like the Florida mall hotel (where I was charged $3 to use an ATM that shorted me $20).

When I minutes after the attempt to withdraw funds from the ATM told the Florida mall hotel manager, I was advised to phone the company in charge of the ATM. Thus the Florida mall hotel management takes no responsibility, nor interest in the fraud and ripping off of its guests occurring on its premises.

Be forewarned if you are staying at the Florida Mall Hotel, visiting the Florida Mall, or having a wedding at the Florida Mall Hotel (as my cousin and his wife had their wedding reception there) BEWARE of the ATM machine and poor management at the Florida Mall Hotel who don't care if you get ripped off and short-changed.

It kind of makes me wonder if the Florida Mall Hotel is in on the racket and ATM scheme considering how nonchalant their management is about it.

TD Bank wrote me the next day on April 25, 2012 (noted below) after I filed the complaint (April 24, 2012), assuring me that within 10 business days a decision would be made after a thorough investigation.

TD Bank credited me on May 3, 2012 after a thorough investigation regarding the theft occurring at the Florida mall hotel ATM, TD bank finding in my favor and replenishing my account the $20.

However on June 4, 2012 TD bank reversed the refund and took back the $20 they originally refunded me from the thievery that occurred at the Florida Mall Hotel ATM machine.

TD Bank decided in my favor and refunded the $20. Today however (June 9, 2012) I received a letter from TD Bank dated June 4, 2012 stating that TD Bank changed their mind and is now debiting my account $20 because the Florida Mall Hotel ATM sketchy company that caused all of this drama and stole my $20 claims an error did not occur.

It's amazing that companies the size of TD Bank and the Florida Mall Hotel can be so schizophrenic after a thorough investigation that originally sided with my complaint and refunded the $20.

Let's not kid ourselves, TD bank is in business to make money, which if it gets caught in the middle with outside ATM machines and companies (and cannot retrieve stolen monies for its customers) TD bank is not going to take the slack and refund the money (at its own expense - as that wouldn't be a good business decision for TD Bank).

Unless TD bank customers started to complain that TD bank was not using leverage and banking authority as authorized and regulated by law to protects its banking customers.

Likewise consumer fraud is not taken lightly, nor does it go over well in society. Thus Florida Mall Hotel and TD Bank will pay far more for not coughing up the $20 being stole from ATM users (by whatever ATM machines and the companies managing them they allow - and like partner in profit from the use of) when a class action lawsuit comes forth.

Enough repeated fraudulent behavior and customers will make some noise, complain, file police reports, take to the media, join forces and confront the forces of evil.

Take notice TD bank and Florida Mall Hotel we the people will not be defrauded, will not be silent and will see that justice is brought to bear and punitive damages rewarded for all corporate malfeasance and wrongdoing.

My initial correspondence with TD bank regarding my experience being shorted $20 at the Florida Mall Hotel is documented in full as I submitted it on April 24, 2012 via the TD Bank website.

http://www.PaulFDavis.com - consumer advocate, global business consultant, author and worldwide motivational speaker who has touched 68 countries empowering people to stand up to corporate fraud and injustice!

(info@PaulFDavis.com)

http://www.Facebook.com/speakers4insp...

http://www.Twitter.com/PaulFDavis

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http://www.NY-life-coach.com


04/25/2012
9:05:10 AM
Sender Customer Care

Subject RE: atm transaction error

Message Dear Mr. Davis,

Thank you for contacting us in regards to your ATM witdrawl error.

The $3.00 surcharge fee will be automatically refunded at the end of your statement cycle.

At TD Bank, we are dedicated to providing superior service to all of our Customers. We have filed a Regulation E form for you concerning the (incorrect transaction amount) discrepancy.

We have mailed a copy of the form to the address on file for your account. Please return the signed copy of the Regulation E form:

TD Bank
Electronic Banking MS 02-206-02-10
6000 Atrium Way
Mt. Laurel, NJ 08054

A decision will be made within 10 business days to issue or deny credit to your personal account. If the investigation cannot be completed within 10 banking days, you will receive a provisional credit. You will be contacted in writing with the result of the investigation.

The Regulation E on file for your account was filed on 4/25/12.

Please feel free to email us or call the Electronic Banking department at 888-751-9000 if you have any questions or concerns.

Regards,

Martin

TD Bank On-Line
E-mail Specialist


----------------------------------------------------
Sent: 4/24/2012 7:47:12 PM
To: Customer Care
Subject: atm transaction error

Dear TD Bank,

Today at 17:58:12 at the Florida Mall Hotel and Conference Center lobby, when I attempted to withdraw $200 from the ATM, I was only given $180 and charged $203.

Please kindly refund the $20 and $3 fee (as I have premier checking and was told no fees apply).

The ATM machine has a phone number on it 877-271-2627 to call to address errs and problems. However when the Florida Hotel manager Dana Martina phoned the number, the automated system advised her to have me contact my bank (TD Bank) to resolve the err (because of what they claim to be federal regulations).

I am therefore contacting you my bank to file a regulation E claim on my behalf. Please do so and refund the $20 and $3.

Thank you.

Paul Davis
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Published on June 09, 2012 11:16 Tags: florida-mall-hotel, td-bank

What If - Playing the Unhappy Hypothetical and Maybe Game

"What if ...?" Have you ever heard someone say, "What if ___? What if ___? What if ___?" until you are utterly emotionally exhausted by the countless possible scenarios and uselessness of playing the unhappy hypothetical and maybe game?

Whenever I begin to hear the wide array of hypothetical scenarios and find myself being pulled in conversation into the maybe game, I employ a life coaching technique called exaggeration.

I respond by taking the maybe game and unhappy hypothetical possibilities to the next level by saying, "Maybe you will get hit by a bus today. Maybe you have ants in your pants. Maybe you won't get the job or will get fired because you have a booger in your nose."

Usually the what ifs and fear within a person shortly after these type of remarks is jarred and silenced, often overcome by laughter as to the extent of the foolishness they have succumb to by allowing themselves to conjure up the worst possible "what if" and unhappy hypothetical scenarios in their maybe game.

On and on the unhappy hypothetical and maybe game goes! What if scenarios are emotionally exhausting and mentally draining.

Don't play the maybe game, nor participate in mental masturbation. Silence the unhappy hypothetical what if scenarios that arise in your mind or are unpleasantly spoken of excessively by others.

Keep a positive attitude, childlike faith, pinpoint your passion, lock into your purpose and go for it happily and boldly throwing caution to the wind!

http://www.PaulFDavis.com – worldwide motivational speaker, author, life coach and global business consultant who has touched 68 countries empowering people to transcend their limitations and live their dreams!

(info@PaulFDavis.com)

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Published on June 09, 2012 09:23 Tags: maybe-game, unhappy-hypothetical, what-if