September, 2009 - Bettina Network's Blog

Archive for September, 2009

Dali Restaurant and Tapas Bar (A Review)

Monday, September 28th, 2009

copyright Bettina Network, inc. and (Eska) 2009

415, Washington Street
Somerville, MA 02143.
(Corner of Beacon & Washington Sts)

Ph.: 617-661-3254  Fax 617-661-2813
Web: www.dalirestaurant.com


House: dinner, 5:30-11pm, Sunday noon
Phone: 617 661 3254  Fax 617 661 2813
            
A visit to the Dali Restaurant is appropriate both for a romantic evening for two or a lovely night for a group.  Small private tables within their own compartments and larger tables in open areas make this possible.  The detailed decor is a feast for the eyes (picture yourself inside one of Salvador Dali’s paintings).  


Either way, prepare yourself for a festival of flavors.  You can find traditional Spanish dishes such as paella, a rich rice stew seasoned with saffron into which might be mixed a wide range of vegetables, sausage, chicken, meat, and seafood (the possibilities are endless; I have three cookbooks on my shelf containing   nothing but paella recipes).

The real specialty of the restaurant is the numerous tapas, small plates, that enable the diner to sample many different dishes to make a meal.  Each member of your party should start with three or so, but it’s not likely that you’ll stop there.  Perhaps some thinly sliced serrano ham, the finest in the world, and some marinated olives to whet your appetite.  If you’re more adventurous, perhaps some octopus vinagrette.  The wonderful thing about tapas is that you can stick mostly with your favorites, or be just a little adventurous, or maybe a lot.  Never had stuffed squid in its own ink or pheasant or quail or rabbit or venison?  Try them all in a single dining experience, each in a regional Spanish preparation.  My personal favorites are braised rabbit in a red wine, juniper, and garlic sauce, and venison sausage in pomegranate sauce, but the tapas menu changes monthly, so
there’s almost always something new to try, even after repeated visits.  



The Dali Restaurant features a delicious, all Spanish wine list, many at surprisingly affordable prices, to accompany your meal, but perhaps you’ll want to try their home-made sangria, which has little in common with the prepackaged products that you can find in your local wine store.  


The staff are very attentive and efficient; they’ve always been anxious to make my visit an evening to remember.  The Dali Restaurant is to be recommended both for an intimate evening for two or a party for multitudes.



(ed.note) a restaurant review by a Bettina guest who frequents the Dali Restaurant and Tapas Bar.

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Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

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Thanks for exposing Bank of America

Friday, September 25th, 2009

I really appreciate your blog and your guts in putting Bank of America in your Bettina’s Hall of Shame.

I have something to contribute, which is true of many banks.  You talked about overdrafts. What I see now is banks claiming to address and reduce their overdraft charges and its a joke what they are proposing.  I feel insulted!  What they need to address is the 5 business days during which they keep your deposits ‘on ice’.  That is what is causing all of the overdrafts.  Your blog is the first place I’ve read which accurately puts the blame where it belongs.  In many cases the banks don’t even tell you they put your funds on hold for five days.  I opened an account with Bank of America just recently and they held my first deposit for five days.  I couldn’t believe when I went to draw cash out from an ATM machine I couldn’t get five cents.  I was in a very bad situation because I had put all of my money into Bank of America and the person who opened the account said nothing to me about my not being able to access my money for five business days.

The federal reserve needs to address why it continues to give banks that huge loop hole in which they can make billions.  Banks do receive funds, even from out of state checks in much less than five days.  They are making lots of money through that loop hole.  Add that to what else they are doing with credit cards and you have an obscenity!

What are they doing? Taking money from the middle and lower middle class and yes, in many cases the upper middle class and giving it to the super rich – sometimes through the huge bonuses they pay out.  Where do you think the money comes from to pay those bonuses? From those overdraft fees, those credit card overlimit fees, those credit card interest charges at 30% from people with good credit, and on and on.

I want to add what is happening with credit cards.  Banks lowered many, many peoples credit card limits.  They claimed it was because of their bad credit and late payments.  That is a lie.  I know lots of people who had their credit card limits lowered and their debt level was lower when it was lowered than it was a year ago.  Their credit was good – they still had jobs and they had no late payments.

Why are banks lowering credit limits?  So they can collect overlimit fees.  If your credit limit is lowered – especially if you are not aware of that lowered amount – you charge over your new limit, but within your old limit and you have an overlimit fee.  Or even if you don’t have anymore charges on your card you still get an overlimit fee because of the time of the month they lower it on your account and the credit card finance charges which get posted to your credit card balance throwing your account over its new limit.  Your credit card limit is generally lowered to within an amount which will cause an overlimit amount when the finance charges are added.  In some cases I know of the credit card limit is lowered to beneath your current amount due and while you don’t get a fee at the time it is lowered to under your balance, you do get an overlimit fee shortly thereafter because of the addition of the finance charges and you keep getting overlimit fees unless you can come up with the money to pay the difference between your credit card new limit and your old balance.  They talk about contracts?  They throw stuff into new contracts on practically a daily basis and they don’t honor contracts that they have with their customers.  They reserve the right to change the contract at any time for any reason and everything you did under the old contract is now being held under your nose in a new contract.  I’ve never seen anything like this before.  It is horrible and ordainary people are living under these circumstances trying to raise children, put food on the table, pay their bills and more.  This is a democratic country?  It seems to be this is a country where theft is happening legitimately by banks and other financial institutions.  The money banks are obtaining fraudulently from the American public makes Madoffs fraud look like pennies.

It is a total disgrace the way the banks are and are being allowed to rip off people.  Yours is the first voice I’ve heard which has put it so eloquently.  I hope you are heard.  I doubt that you will be because most of the media depends upon advertising and other monies from banks so they aren’t ready to do a real indept article on all of this.

I would have thought Americans would be demonstrating in the streets against banks the way they are so shamelessly ripping off their own customers.  You said Bank of America is cannibalizing its own customers.  You didn’t go far enough.  you should have said the entire banking industry – with very few exceptions – are cannibalizing their own customers. Something really drastic needs to be done about this.  The small things being done today are insulting!  The people addressing the issue must be getting money under the table from the banks because they are just letting air out of the anger of the public against the banks.

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Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

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Great Travel Tip and I Add….

Wednesday, September 23rd, 2009

Since reading your travel tip I talked to my boss.  I am leaving tomorrow for California so your suggestion is very timely.

I asked about the possibility of my company paying for the overnight postage to mail my bags instead of carrying them onto the airplane and it is a go.  Which is GGGGREAT!!!!!!  I can now travel without dragging luggage through airports; it isn’t costing me anything; my company is going to save money because they don’t have to reimburse me for the cost the airlines charge to carry all of the books, papers, etc. which get schlepped all over the place.

I am going to do this overnight mail going and regular (probably book rate) mail returning – which is where my company will save a few dollars.  Since I am going to a conference and would normally have a suitcase full of papers, books and more from the conference this is kind of exciting.

Hope this works as well as your travel tip indicates

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Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

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A Travel Tip

Tuesday, September 22nd, 2009

copyright The Bettina Network, inc. 2009

I travel quite a bit and with the new airline rules I have found that packing most of my belongings the day before and mailing them via overnight mail to where I am going tends to relieve my worry about the airlines losing my luggage; I don’t have to drag stuff through airports or worry about airport security making me miss my plane; and since I travel mostly bed & breakfast the host family always accepts my packages and I arrive to find them in my room. The few times I travel using hotels I do the same thing and the package is at the hotel desk when I arrive. Although doing this with hotels is not a sure thing because sometimes the hotel will receive the package and put it on the side and I won’t get it until the next day, even though it arrived in a timely fashion.
When I leave I do the same thing. Usually, the hotel or bed & breakfast will have boxes I can use for shipping. If they don’t there is generally a liquor store nearby and they always have boxes which can be used for mailing. Almost any kind of store will have empty boxes waiting to be tossed. Anything I buy while in a particular city generally goes into the box and goes back home regular mail because it isn’t really crucial that I receive those return boxes immediately upon arrival. It is a little cheaper, but not that much. If I am feeling flush I will send the boxes home via overnight mail as well, but I don’t do that very often.
The cost of paying airlines to carry a piece of luggage is a ridiculous thought. I stopped fuming over the cost and came up with something which relieves me of dragging luggage through airports. I now only have my overnight case and a computer.
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Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

 

Bank of America wins Bettina’s Hall of Shame Award

Tuesday, September 8th, 2009
Copyright The Bettina Network, Inc. 2009

We are beginning to receive notes from former guests on suggestions for companies which should be in “Bettina’s Box of Shame” and Bettina’s Hall of Shame.”

The company about which we have received the most complaints and suggestions as to why they should receive the award is BANK OF AMERICA. It is also the company which has been most negatively discussed over many breakfasts.
We have done what is a first for us – to go out and independently investigate this company to see if all of this discussion was real and true or misplaced frustration over the state of the economy and the huge anger at banks. We went through months of investigation and pushed the envelope beyond anything we have done before, including establishing accounts at Bank of America to experience first hand what we were being told.
Given the enormity of what we have been hearing for several years now, we felt the sacrifices we made to do this were worth it to either turn a light on a huge problem or exonerate Bank of America. We did wonder if Bank of America was being used as a scape goat for the anger focused on banks today.

What we wanted to know was why so much negativity was centered around Bank of America, far more than around any of the other banks.

What we discovered: Bank of America is a company which cannibalizes its own customers.
After doing quite a bit of investigation, we award to BANK OF AMERICA a place of dishonor. It is being placed in Bettina’s Hall of Shame.
There has been much anger over what has happened with banks in general and with the amount of tax payers money going into banks to save them from their own mistakes. That is not why we have given Bettina’s Hall of Shame award to Bank of America. What we discovered through our investigation makes other banks look angelic by comparison.
Bank of America has set up a computer system which creates a slippery slope for middle Americans to move swiftly from middle to lower class in income, finances, etc. What we have seen says to us Bank of America depends upon humiliation and lies to get away with what gives new definition to theft.
If you open a checking account with Bank of America you need to understand that one day they will take your money out of your checking account without your knowledge or consent and you will feel as though your checking account has sprung a leak.
The Federal Reserve Board is complicit in this, although Bank of America has taken the policies of the Federal Reserve and used them to fill their coffers in what we see as unethical and immoral behavior which is totally detrimental to this society and to the world community.
Since they are among the banks having financial problems, one wonders what happens and has happened to all the money they have ripped out of the American economy from American families!
When Bank of America erred and wound up in troubles from which they had to be extricated using American tax payers money – that all happened very quickly and their bottom line improved from having “free” money to use. They in turn use and used crime and punishment responses to their depositors and those who do business with Bank of America in the most vile and vicious ways. Their punishment is for the smallest of missteps and the price is extraordinarily high.
As we finished our investigation we realized the results were far too large to put in a blog. We have summarized our findings and will keep the interviews, statements others wrote about this abuse and ways that we went about this investigation for some other forum yet to be determined.
What we discovered that immediatley needs to be changed to mitigate some of Bank of America’s misuse and abuse of the system is the Federal Reserve’s policies allowing banks to hold depositors money for 5 to 7 to 9 days without paying checks presented against those funds and without allowing the depositor to withdraw their funds.
What kind of change? A change from allowing banks to use the new technology and the old ways to make money. Either one or the other should apply.
When you make a deposit into a bank in the form of checks – money orders – etc. , the money is in the bank within 2 to 3 days even if it is an out of state check. The Federal Reserve allows banks to hold your money as unavailable to you for 5 days, under some circumstances for 7 days and sometimes for as much as 9 days. Using that policy to the fullest, Bank of America has programmed into its computers ways of making huge sums of money for the bank at the expense of its depositors.
The bank is able to use your money for the 2 to 7 days it is sitting under their control, while it is returning your checks and collecting over $35 per check. Bank of America has programmed its computers to automatically put a hold on your funds once you have a returned check. That hold is kept on your account for an indefinite amount of time and employees of the bank are not allowed to remove the hold – even if there are extreme circumstances which caused you to overdraw your account. Subsequently you could have $8,000 in deposits sitting in your account, Bank of America will return a $43 check and charge you $35 for the experience. This is not limited to new accounts, this has happened to those who have had accounts for some ten years with Bank of America.
The quickness of technology has been taken advantage of by banks to benefit banks, and the slowness of the old ways has been taken advantage of by banks to benefit banks. Bank of America has taken this to a high art and has institutionalized applying stress on its employees causing them to lie and attempt to intimidate the very customers who make their jobs possible.
What we’ve seen is that those who can’t make that cut are fired or forced to quit. From what we have found, we think those who have left, either voluntarily or who have been forced out should be given an award for valor under fire.
To get an idea of the magnitude of this problem, put “Bank of America complaints” in your search engine and prepare to be amazed at what comes up. As you read these complaints, think about the stress and frustration the people are experiencing who have written them. We are basically lethargic as a country. A few activists, but mostly the quiet middle class. That quiet middle class is who is writing those complaints.
On their overnight transactions with the Federal Reserve, they have maximum monies from having returned your check – they can use the funds you deposited without paying your obligations, as they should – and they can continue to use your monies to increase their standing with the feds, lower the amount they need to borrow and receive interest on the excess amount they have to offer – all at their customers’ expense and you have paid for the privilege of hurting yourself for the bank.
The check example is but one of several ways in which Bank of America abuses its customers. We have cited it because it is one which negatively affects most people. None of us are perfect and those imperfections are what Bank of America uses to take its customers’ money while making them feel as though they have violated some ethical code while all the time Bank of America is the violator of basic ethical codes.
Middle Americans can be easily shamed by large institutions and Bank of America has taken that flaw and woven it throughout its institution. It has and is receiving benefits it should not derive from this kind of abuse.
We have two examples:
1. What was considered loan sharking and was illegal is now a respected way of doing business and is normal banking practices. Bank of Amerca has used every loop hole to squeeze and extract every dime from their customers without any thought to the methods it uses to do just that or the consequences to the people it leaves destroyed on the side of the road.
2. It struck us as very much akin to spousal and child abuse which we read a lot about today, where the people being abused have a hard time moving away from their abuser.
We live in a democratic country. It is not perfect by any means and we have done some really horrible things as a country, but we have continued to try to better ourselves morally and otherwise. When we have seen transgressions we have attempted to address them – first by a few activists who are out front before the rest of us know what they are talking about, and then gradually by the many who begin to get the message and the veil drops from their eyes giving them clearer sight.
We hope Bettina’s Hall of Shame gives you something to think about as to the length institutions and people will go to harm one another. We hope you will reach out to do something about these transgressions. We can, each one of us, in our own way, contribute to stopping this and relieving some of the pain and suffering these ways have caused our sisters and brothers, mothers and fathers, children and grandchildren, nieces, nephews, cousins and friends.
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We submit to you BANK OF AMERICA as the first institution taking its well deserved place in BETTINA’S HALL OF SHAME. What say you? What will you do?
 
Respectfully submitted by All of Us at Bettina’s
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Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

 

Editor’s Note on contributors to Bettina’s Blog

Friday, September 4th, 2009

copyright The Bettina Network, inc. 2009

We love to receive blogs from those who have stayed in a Bettina home. While we enjoy reading all of the blogs we receive, we only post blogs from people who have stayed in one of the homes in the Bettina Network.
The purpose of Bettina’s Blog is to stay in touch with guests and to let them know what is happening among other Bettina guests. We especially try to keep our guests up to date on breakfast conversations because most of our guests find breakfasts particularly enjoyable and interesting. We hope the rest of you enjoy reading the blog and will call the Bettina Network when you travel so you too can contribute to Bettina’s Blog.
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Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

 

Stock Information

Friday, September 4th, 2009

It is great reading your blog! Keep up the good work. I especially like the variety of information. My contribution will be two stocks I bought today. One is Avanti Mining (AVNMF) and the other is Sunridge Gold (SGCNF). Hopefully, these two will do as well for your readers as the stocks you mentioned in other blogs. I bought all of the stocks from your other blogs and am very happy with my new portfolio and not a minute too soon because the stocks I bought over the past several years lost a lot of money for me. So I shall reciprocate by suggesting stocks I think might benefit your readers in return for and as a thank you for the money I made on other readers’ suggestions.

Avanti Mining is a molybdenum mining stock. Your readers will have to search for the company and the molybdenum to know more about it. It costs something like $ .167 so it is really inexpensive and $100 dollars can buy almost 600 shares.
Sunridge Gold came out with a big announcement today of an investment by Antofagasta Mining putting some $10 million dollars into the company for exploration purposes. Sunridge has property in Eritrea. Antofagasta is in Chile and several other countries. Search on their name and you will learn something about the company. It was selling today for some $ .6225. It was selling a few days ago for $.45 so the investment of ten mill jumped the stock by about 25%. I think it will double shortly. It has about 4.5 million in cash on hand for exploration, this 10 million triples its cash. It should be able to do great things and the property Sunridge is exploring seems to be a company “sitting on riches.”
I know you check out these suggestions after awhile. I hope I am not embarrassed when you do that. I would not want to make money on someone else’s suggestions only to have mine tank! I did a lot of research on these before buying so hopefully, that helps.
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Want to join us? Have a home that you want to open to become one of Bettina Network’s Hedge Schools? Call us and lets talk – or email us.

Ed. Note: Members of the Bettina Network Lifestyle Community can contribute to the Bettina Network Blog whenever they have anything they want to say and be heard by this fantastic group of people. Send your blog to bettinanetwork@comcast.net or mail it to us at P. O. Box 380585 Cambridge, MA. 02238 or call us on the telephone at 617-497-9166 to tell us what you want to say and we will write it for you.

Volunteer with Bettina Network Foundation, inc. to work estate sales; to help move items from one home to another; to contribute your ideas on how we can better use our resources in this effort to relieve and eliminate homelessness and poverty. We also need photographers; designers; and more. However much or little time you have, we are grateful.

Send your event information to be included in Bettina Network’s Menu of Events to: bettina-network@comcast.net

This is a curated blog so you cannot write your responses at the end of each entry. TO RESPOND TO THIS BLOG email bettina-network@comcast.net or info@bettina-network.com

TO LEARN MORE try www.bettina-network.com

 


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