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Pineville is a town in Mecklenburg County, North Carolina located between Charlotte and York County, South Carolina. It is perhaps most famous as the birthplace of James Knox Polk. It is mostly a quiet town, but it does have some industries; the Cone Mills textile plant was until recently here,... (More Info and Source) Pineville Real Estate

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3 banks that rip you off with reorder fees


Three giant monster mega-banks have been singled out for gaming the system when it comes to NSF fees. Are you banking with any of these bad boys?

Pew Charitable Trust has identified Bank of AmericaChase, and Wells Fargo as the 3 banks that play dirty pool with your money.

What exactly are they doing? Well, they approve transactions when you have insufficient funds, and then use software to recalculate your transactions and reorder the way they clear your checks. Their goal is to figure out the exact order in which checks should be processed so they can generate the most bounced checks or bounced debit charges.

Here's how this plays out in real life: Let's say you had 6 items clear over a weekend. They could go chronologically and maybe only the last transaction would bounce. But instead they use their software and generally process the largest transactions first -- instead of in the order they came in. And just like that, they could generate as many as 5 overdraft charges! 

It's despicable, disgusting, and reprehensible. What in the world happened to old timey decency in business? Capitalists who look at their customers' best interests first typically do the best.

Fortunately, I have some good news to report too. Several big banks do a good job cutting you a break on non-sufficient funds (NSF) fees, according to Pew. They include Ally Bank,Charles SchwabOneWest Bank, and USAA Federal Savings Bank.

When it comes to banking, why not go with someone who wants to respect you rather than cheat you? 

Meanwhile, I have 2 assignments for you.

  1. Keep good records. Track your balance at all times. They can't rip you off at $35 a pop if you do your part and know you're good for the dough *before* making a purchase.    
  2. Know that it is not a matter of if, but when, a big bank will take advantage of you. Go find another place while the getting is good. Look at small local community banks or credit union as your best option.


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Wed, 23 Apr 2014 09:27:44 -0400

9 indicted in kidnapping of NC prosecutor's father

(AP) As the kidnappers pulled into a quiet, upscale golf course community, they thought they were about to abduct an assistant district attorney who sent a high-ranking gang member to prison for life, authorities said.

But they had the wrong address and when the prosecutor's father answered the door, they took him instead.

For five days, authorities said the kidnappers held 63-year-old Frank Janssen captive in an Atlanta apartment, tormenting his family by sending text messages threatening to cut him into pieces if police were called or their demands weren't met. They even sent a photo of him tied up in a chair.

On Tuesday, an indictment charged nine people in Janssen's abduction, including 49-year-old Bloods member Kelvin Melton, who authorities said was calling the shots by cellphone from his North Carolina prison cell. Janssen's daughter, Wake Forest assistant district attorney Colleen Janssen, prosecuted Melton in 2012 for his role in the shooting of his ex-girlfriend's new boyfriend.

Court records show Melton has a long record of felony convictions in New York, the first being a 1979 robbery committed when he was 14. He pleaded guilty to manslaughter and robbery in 1998 and served more than 13 years in New York prisons before being released in August 2011.

His conviction in North Carolina sent him to prison for life. Authorities said he wanted revenge.

At first, Melton wanted the kidnappers to travel to Louisiana to abduct a family member of his court-appointed attorney from his 2012 trial. He arranged in March for each member of that kidnapping team to receive about $10,000, according to the indictment, but at some point, for reasons not explained in court documents, they called it off.

In late March or early April, Melton called again. This time he wanted a team assembled to "kidnap the ADA," who was identified in the indictment as a "Wake County Assistant District Attorney."

One of the team members used the Internet to look up Colleen Janssen's address but actually found her father's home in Wake Forest, about 15 miles north of Raleigh.

Early on April 5, four of the kidnappers left the Atlanta area for North Carolina. Melton called them several times while they were on the road, at one point asking to be put on speaker phone to give them specific instructions. He told them to wear khakis and collared shirts, so they stopped at a Wal-Mart to buy clothes.

When they got to Janssen's home, three of the kidnappers went to the door while another waited in the car, according to the indictment. When Frank Janssen cracked the door, the kidnappers forced their way in, hit him with a stun gun several times and pistol-whipped him.

As they drove back to Atlanta, Janssen was forced to lie on the floorboard of the back seat of a rental car. They put handcuffs on him and used the stun gun on him dozens of times.

The indictment doesn't say what happened when Melton discovered they kidnapped Janssen's father instead of the prosecutor, but two days after he was taken, Janssen's wife started receiving the threatening text messages.

Each one seemed to grow more urgent. On April 9, Janssen's wife received a photo of him tied up in a chair along with a message: "Tomorrow we call you again an (sic) if you can not tell me where my things are at tomorrow i will start torchering."

The indictment said that while Janssen was in the Atlanta apartment, he was taped to a chair in a closet, and some of the kidnappers stood watch. Melton sent instructions to one member to assist in the killing and disposal of Janssen if Melton's demands weren't met or if the team lost contact with Melton for three days. The specific demands have not been released by authorities.

Around 8 p.m. April 9, Melton received a text saying, "We got car, spot, and shovel." A few minutes later, Melton called the kidnappers and told them to kill Janssen and gave specific instructions not to leave any DNA behind, court documents said.

By that night, authorities had determined Melton had orchestrated the scheme and was still calling the shots behind bars. When corrections officers tried entering his cell, he smashed the phone.

Authorities pinpointed Janssen's location and stormed the apartment just before midnight April 9. A short while later, three of the nine people charged were caught in a Chevy Tahoe that had two shovels, a pick and a gun inside.

Melton was indicted along with Quantavious Thompson, Jakym Tibbs, Tianna Maynard, Clifton Roberts, Jenna Martin, Jevante Price, Michael Gooden and Patricia Kramer. All face a federal conspiracy charge related to the abduction, and all but Kramer are charged with kidnapping. Some of the defendants face additional charges. All but Kramer were in custody Tuesday.

___

Associated Press Writer Kate Brumback in Atlanta contributed to this report.

Wed, 23 Apr 2014 08:36:26 -0400

Former army sergeant to receive Medal of Honor today

Wednesday in Raleigh, an army sergeant who lives in Charlotte will receive special recognition from Governor Pat McCrory.

Kyle White will be awarded the Medal of Honor for his heroic actions in Afghanistan.

White will be only the seventh living Iraq or Afghanistan war veteran to receive the honor.

He is no longer in the army and now works as an investment analyst.

Wed, 23 Apr 2014 08:21:42 -0400

News Source: MedleyStory More Local News Stories

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