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Monday, January 31, 2005

First Command fails to discipline wayward representative 
What on earth do you have to do to get fired by First Command?

James Provo, a First Command financial advisor and district supervisor in Charleston, South Carolina, recently got into some regulatory trouble with the NASD.

Well, no...not just any regulatory trouble. He attempted to intimidate a customer who complained about First Command by informing him that his military superior officers were being notified and favorable personnel actions were in jeopardy as a result of the complaint.

From the NASD press release:
NASD also found that First Command violated NASD rules when a First Command supervisor inappropriately confronted a former customer – an Air Force officer – who complained in an e-mail to an online publication that he had suffered losses and recommended that others not invest with First Command. The e-mail was in response to a negative article about First Command’s sales practices.

First Command District Supervisor James Provo contacted the customer, suggested that he might need an attorney, told him that the highest level of Air Force commanders were being contacted regarding the e-mail and told him his previously approved change in assignment might be delayed until the matter was resolved. NASD also found that Provo arranged a meeting with the Air Force’s legal assistance office, questioning whether the customer had violated Air Force regulations by using e-mail to send his message criticizing First Command. Provo also contacted the customer’s squadron commander and informed her that First Command might have a grievance against a member of her squadron. First Command eventually wrote a letter of apology to the former client, but otherwise took no steps to discipline Provo.



And so the NASD disciplined Provo for them, fining him $25,000 and suspending him from acting in a supervisory capacity for 30 days.

Well, the 30 days are up. And James Provo is right back at work, picking up his phone at First Command's Charleston office. And still pitching financial services to the same military audience.

Must be part of that guaranteed "check-a-month" program. Except the "check-a-month" doesn't apply to annuity payouts to investors - it applies to paychecks for reps who threaten and intimidate servicemen and clients.

Military Times, apparently, was too busy to do the follow-up on this major Gannett advertiser.

I understand.

Even if they had, I'm sure they would have figured out some way to leave First Command's name out of the story.

Splash, out

Jason

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Cuddle Time : When couples first start dating, cuddling is usually a part of their everyday existence.

Make the Women Feel Good : Just like men, woman love feeling good about themselves.

Showing Love : Although hearing the words, I love you is special and important.

Realistic Expectations : No matter how wonderful and flawless your mate seems, no one is perfect.

Go on a Date : Especially for married couples, but even for some dating couples, start dating.

Control Your Anger : Every relationship has difficulties, and sometimes, there can be some intense arguments.

I Forgive You : If something has happened in your relationship causing the trust to waiver, you will have many things to work through.

Day at the Movies : Have a movie marathon some rainy or cold Saturday.

Dinner by the Fire : Order in some of your favorite food, open a bottle of fine wine, light some candles.

A Day at the Spa : Show your appreciation for the hard work that takes.

Keep in Touch : It is important that you keep in touch with each other often.

Motivate Each Other : Find a mutual incentive that will motivate both of you.

Adore your Mate : Appreciate and love them for the person they are.

Make Eye Contact : Think back to the first time you saw your now mate.

Respect Privacy : When two people come together in a relationship, each person has their own set of history.

Be Flexible : There will be times when your mate is right and times when you are right.

Encourage Friendships : Men, unlike women, have a more difficult time in developing close friendships with other men.

relationship


 

weight loss Weight Loss Tips - 101 Weight Loss Plan

101 Plan to Lose 10 Pounds or more and Keep it Off!

There was a time in this world when the need to lose weight was completely unheard of. People ate well, but the worked well too. They woke up early in the morning and then engaged in a whole day's work.

The world has changed so much since those days. Life styles have changed and the comforts and facilities have increased so much. But every rose has its thorn. Weight Loss Tips weight loss

 

weight loss tip 101 Ways to Get In Better Shape and Stay That Way.

Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

weight loss tip


 
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quick weight loss 101 Ways to Get In Better Shape and Stay That Way.

Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

quick weight loss


 
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over weight 101 Ways to Get In Better Shape and Stay That Way.

Therapeutic Massage : You might be thinking what does getting a massage do for my health other than to make me feel good.

Eliminate Stress : Stress is a key contributor to poor health.

Young at Heart : Regardless of your age, if you start acting too old, you will actually not benefit yourself at all.

Body Fat : When you think about losing weight, more importantly than weight is the amount of fat you are carrying around.

Do Not Forget the Teeth : Often the care of teeth and gums is overlooked as potential health risks.

Be Careful with the Sun : Everyone loves basking in the warm sun, especially if it is lying on a beautiful sandy beach.

Give your Eyes a Rest : Most jobs in today's society require the use of a computer.

Breast Exams : Make sure you conduct regular breast examines.

Make Time for Intimacy : If you are married, be sure to make time for intimacy in your relationship.

Puffy Eyes : If you battle with puffy eyes or dark circles that make you look worn out, do not feel alone.

FITNESS : Fitness is just as important as health, and in reality, fitness correlates directly with our health.

Squats : Squats are excellent for glutes, hamstrings, quads, and calves.

Get to the Gym : Working out at home is a good option and for some people

Get Ready to Run : Before any workout, always warm up.

Resistance : The next time you work out try adding some resistance to your routine.

Be Realistic : It would be great to be able to jump right into a hard workout, feel great, and see instant results.

Bowling : Get some exercise by joining a bowling league.

Fitness and Food : Certain foods provide specific benefits for people who workout.

Diabetes and Exercise : Aerobic exercise can actually be beneficial for people with diabetes.

Check your Pulse : As you exercise, it is to your advantage to keep track of your pulse rate.

over weight


 

relationship advice 101 Ways to Build Happy, Lasting Relationships.

Start Over : When couples first get together, everything is new and exciting.

Lighten Up : Often when couples have gone through or are going through some bumpy spots in their relationship, things tend to get serious.

Night of Passion : Intimacy and passion in relationships is not only important but also healthy.

Cuddle Time : When couples first start dating, cuddling is usually a part of their everyday existence.

Make the Women Feel Good : Just like men, woman love feeling good about themselves.

Showing Love : Although hearing the words, I love you is special and important.

Realistic Expectations : No matter how wonderful and flawless your mate seems, no one is perfect.

Go on a Date : Especially for married couples, but even for some dating couples, start dating.

Control Your Anger : Every relationship has difficulties, and sometimes, there can be some intense arguments.

I Forgive You : If something has happened in your relationship causing the trust to waiver, you will have many things to work through.

Day at the Movies : Have a movie marathon some rainy or cold Saturday.

Dinner by the Fire : Order in some of your favorite food, open a bottle of fine wine, light some candles.

A Day at the Spa : Show your appreciation for the hard work that takes.

Keep in Touch : It is important that you keep in touch with each other often.

Motivate Each Other : Find a mutual incentive that will motivate both of you.

Adore your Mate : Appreciate and love them for the person they are.

Make Eye Contact : Think back to the first time you saw your now mate.

Respect Privacy : When two people come together in a relationship, each person has their own set of history.

Be Flexible : There will be times when your mate is right and times when you are right.

Encourage Friendships : Men, unlike women, have a more difficult time in developing close friendships with other men.

relationship advice


 
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