These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Thursday, December 26, 2013

Bad News: Crooked Credit-Card Companies Con Consumers (Good News: Bitcoin To The Rescue)

Bad News: Crooked Credit-Card Companies Con Consumers Good News: Bitcoin To The Rescue

"As If We Didn't Have Enough Proof Of This Rigged And Corrupt System We Call "The Credit Card Industry" There Is No Shortage Of Reminders For Those That Need It."

Monty Henry, Owner

U.S. Regulators Are Cracking Down On Credit-Card Issuers For Allegedly Misleading Consumers About The Value Of Extra Services, Such As Lost-Income Protection And Identity-Theft Monitoring. To Date, Four Banks Have Settled:

(1) Capital One: Agreed In July 2012 To Pay $210 Million, Including $150 Million In Refunds To 2.5 Million Consumers.

(2) Discover: Agreed In September 2012 To Pay $214 Million, Including $200 Million In Refunds To More Than 3.5 Million Consumers.

(3) JP Morgan Chase: Agreed In September 2013 To Pay $389 Million, Including $309 Million In Refunds To 2.1 Million Consumers.

(4) American Express: Agreed In December 2013 To Pay $76 Million, Including $59.5 Million In Refunds To 335,000 Consumers.

American Express Corp. reached a $76 million settlement with federal regulators over allegations it misled consumers about the benefits of extra card services such as identity-theft protection.

The New York-based company agreed Tuesday to pay $16.2 million in fines to the Federal Deposit Insurance Corp., Office of the Comptroller of the Currency and the Consumer Financial Protection Bureau and issue $59.5 million in refunds to more than 335,000 customers. The company said in a statement that most of the money has already been paid to customers.

The case is the latest in a string of actions by regulators against credit-card products known as "add-ons" that companies say offer extra protection to customers. Regulators say the credit-card companies' marketing of such products has often been deceptive and that the benefits of such services are often less than advertised. The identity-theft protection service offered by AmEx cost as much as $15.99 a month, but consumers often received little benefit, regulators said.

The regulators also accused AmEx of misleading consumers about the benefits of a product that canceled debt if a customer lost a job or became disabled. While some consumers were led to believe the product would cover their payments in the event of a job loss, such payments were capped at $500, regulators said.

"Consumers deserve to be treated fairly and should not pay for services they do not receive," said the CFPB's (Consumer Financial Protection Bureau) director, Richard Cordray, in a statement.

AmEx didn't formally admit or deny the allegations but has been working with regulators on the add-on issue for more than a year. It stopped selling most of the products last year, although it continued to honor contracts paid by customers until they expired. "American Express continues to conduct internal reviews designed to identify issues, correct them and ensure that its products and practices meet a high standard of quality," the company said.

The company is in the process of exiting the final product, a "lost wallet protector" that is sold to customers in Puerto Rico, according to an AmEx spokeswoman. That product, which cost $39.99 a year and will end in the first quarter of 2014, assists customers in canceling all of their debit or credit cards if they are lost.

Capital One Financial Corp., Discover Financial Services Inc. and J.P. Morgan Chase and Co. have all settled allegations they misled consumers about the benefits of add-on products. J.P. Morgan Chase And Co. paid $389 million in fines and refunds earlier this year to resolve similar allegations.

Tuesday's settlement is the latest regulatory slap against AmEx, which provides service to an affluent customer base. Although it ranks as the sixth-largest card issuer, its customers ring up more purchases on those cards than other issuers such as J.P. Morgan Chase and Bank of America Corp., according to the Nilson Report, a Carpinteria, Calif.-based company that tracks the card industry.

AmEx is best known for its iconic charge cards that require customers to pay their bills in full each month. The company also issues traditional credit cards and owns a card-processing network that competes with Visa Inc., MasterCard Inc. and Discover.

AmEx agreed in October 2012 to pay $46 million in fines to federal bank regulators and reimburse $85 million to about 250,000 consumers to resolve allegations it charged illegal late fees and discriminated against card applicants, among other questionable practices.

A few months later, the company said that it had identified another $153 million in customer reimbursements.

Bitcoin: Understated Benefits And Overstated Risks

In fact, a new study released by the Mercatus Center, “Bitcoin: A Primer for Policymakers,” details some of the innovative applications in the Bitcoin economy that the public debate may not fully appreciate. Before regulators rush to mitigate anticipated harm, they should first understand how this technology works and how it can improve lives.

First, Bitcoin is a promising way to lower transaction costs. Credit card companies charge merchant fees that are often prohibitively expensive for small businesses. Small-business owners face the hard trade-off of either refusing to accept credit card payments and losing business or accepting card payments and losing money by eating the costs. Transaction fees with Bitcoin are negligible and can save money for cost-conscious businesses.

Consumers, too, could benefit from these lower transaction costs in the form of lower prices. This is the business model of the Bitcoin Store, an online electronics retailer that only accepts Bitcoin transactions. Bitcoin allows sellers to charge only $436 for a Samsung Galaxy Note at the Bitcoin Store that currently sells for $517 on Amazon.

Similarly, these lower transaction costs will greatly benefit people who send global remittances to their relatives in developing countries. Traditional wiring services, like Western Union and MoneyGram, may charge steep fees of up to 10 percent of the amount transferred and take days to process. With instantaneous transfers and fees of less than 1 percent, Bitcoin could significantly lower the cost of sending remittances—which amount to more than $400 billion annually.

Second, Bitcoin may provide affordable access to financial services for the world’s unbanked population. With Bitcoin, accessing the financial world is as easy as downloading an application on your phone. The popular mobile payment system, M-Pesa, recently added Bitcoin payment options for customers in Kenya. The world’s less affluent may stand to gain the most from the ease and affordability of making Bitcoin payments.

Countries with poor monetary management will also benefit from Bitcoin. Strict capital controls and high rates of inflation led to a surge of Bitcoin downloads in Argentina. Some even suggest that the Eurozone crisis drove the use of Bitcoin in distressed countries. Bitcoin increases the number of monetary options available to people in dire situations.

Finally, Bitcoin could be a democratic tool to ensure a basic level of freedom of speech around the globe. Dissident activists in authoritarian countries now no longer need to fear that their government will block payments for blogging services. Bitcoin places power back in the hands of the people.

These are just a few of the innovations to materialize so far. Built within the Bitcoin protocol are capabilities to develop other financial innovations, like notary services, encrypted communications, and “smart” collateral contracts. Developers and businesspeople are still learning the myriad applications for this innovative technology.

Just as the public debate understates some of the benefits of Bitcoin, it also overstates some of the concerns. The hypothetical crimes that Bitcoin may enable are traditionally committed with cash, but policymakers would never dream of criminalizing cash. Instead, they regulate the use of cash. Regulations targeting Bitcoin could adopt this time-tested approach.

What’s more, Bitcoin may not be an ideal vehicle to commit these crimes. Bitcoin is not actually anonymous, but pseudonymous. Each Bitcoin transaction is verified and recorded in a public ledger by all computers running the Bitcoin network. Criminals using Bitcoin will leave a perpetual smoking gun in the public ledger that could tie their identities to the illegal transactions. For this reason, criminals may opt to continue using their favorite currency of choice, the U.S. dollar, instead of using Bitcoin.

Policymakers understandably worry about the risks stemming from a new technology, but effective policy will also consider the substantial benefits that Bitcoin may provide. The risk of lost benefits from overregulating this promising technology appears greater than the risk of its criminal use, and that is an outcome that no policymaker should want.

Monty Henry, Owner

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA.

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

• Remote Video Access

• Video is Recorded Locally To An Installed SD Card (2GB SD Card included)

• Email Notifications (Motion Alerts, Camera Failure, IP Address Change, SD Card Full)

• Live Monitoring, Recording And Event Playback Via Internet

• Back-up SD Storage Up To 32GB (SD Not Included)

• Digital Wireless Transmission (No Camera Interference)

• View LIVE On Your SmartPhone!


* Nanny Cameras w/ Remote View
* Wireless IP Receiver
* Remote Control
* A/C Adaptor
* 2GB SD Card
* USB Receiver



Receiver Specs:

* Transmission Range of 500 ft Line Of Sight
* Uses 53 Channels Resulting In No Interference
* 12V Power Consumption
* RCA Output
* Supports up to 32gig SD

Camera Specs:

* 640x480 / 320x240 up to 30fps
* Image Sensor: 1/4" Micron Sensor
* Resolution: 720x480 Pixels
* S/N Ratio: 45 db
* Sensitivity: 11.5V/lux-s @ 550nm
* Video System: NTSC
* White Balance: Auto Tracking

Make Your Own Nanny Cameras:  Make Tons Of Money In A Booming, Nearly Recession-Proof Industry!

Your Primary Customers Include But Are Not Limited To Anyone In The Private Investigator, Government, Law Enforcement And/Or Intelligence Agencies Fields!

* You Buy Our DVR Boards And We'll Build Your Products! (Optional)

Our New Layaway Plan Adds Convenience For Online Shoppers

DPL-Surveillance-Equipment's layaway plan makes it easy for you to buy the products and services that you want by paying for them through manageable monthly payments that you set. Our intuitive calculator allows you to break down your order's purchase price into smaller payment amounts. Payments can be automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment® Services and you will receive your order once it's paid in full. Use it to plan and budget for holiday purchases, anniversaries, birthdays, vacations and more!

DPL-Surveillance-Equipment's Customers can now use the convenience of layaway online to help them get through these tough economic times.

We all shop now and then just to face a hard reality -- big credit card bills. However, our latest financing innovation can help you avoid that. Find out why more and more shoppers are checking out DPL-Surveillance-Equipment's e-layaway plan.

If you're drooling over a new nanny camera, longing for a GPS tracker, or wishing for that spy watch, but you're strapped for cash and can't afford to do credit, do what Jennie Kheen did. She bought her iPod docking station (hidden camera w/motion-activated DVR) online using our convenient lay-away plan.

Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

"It's automatically drawn from my account," she said. "I have a budget, $208.00 a month.

In three months, Kheen had paid off the $650.00 iPod docking station. She paid another 3.9 percent service fee, which amounted to about $25.35 (plus $12.00 for shipping) for a total of $687.35.

"You pay a little bit each month," Kheen said. "It's paid off when you get it and you don't have it lingering over your head. It's great."

Flexible payment terms and automated payments make our layaway plan an affordable and fiscally responsible alternative to credit cards.

1. Register:

It's quick, easy and FREE! No credit check required!

2. Shop:

Select the items or service you want and choose "e-layaway" as your payment option. Our payment calculator makes it easy for you to set up your payment terms.

3. Make Payments:

Payments are made on the schedule YOU set. Check your order status or adjust your payments online in a secure environment.

4. Receive Products:

Receive the product shortly after your last payment. The best part, it's paid in full... NO DEBT.

More Buying Power:

* Our lay-away plan offers a safe and affordable payment alternative without tying up your credit or subjecting the purchase to high-interest credit card fees.

No Credit Checks or Special Qualifications:

* Anyone 18 years old or older can join. All you need is an active bank account.

Freedom From Credit Cards:

* If you are near or beyond your credit limit or simply want to avoid high interest credit card fees, our e-layaway is the smart choice for you.

Flexible Payment Schedules:

* Similar to traditional layaway, e-layaway lets you make regular payments towards merchandise, with delivery upon payment in full. Payments are automatically deducted from your bank account or made in cash using MoneyGram® ExpressPayment®

A Tool for Planning Ahead:

* Our e-layaway makes it easy for smart shoppers like you to plan ahead and buy items such as bug detectors, nanny cameras, audio bugs, gps trackers, and more!

No Hidden Charges or Mounting Interest:

Our e-layaway makes shopping painless by eliminating hidden charges and monthly interest fees. Our customers pay a flat transaction fee on the initial purchase price.


* You have the right to cancel any purchase and will receive a refund less a cancellation fee. See website for details.

Security and Identity Protection:

DPL-Surveillance-Equipment has partnered with trusted experts like McAfee and IDology to ensure the security and integrity of every transaction. Identity verification measures are integrated into our e-layaway system to prevent fraudulent purchases.

Note: Simply Choose e-Lay-Away as a "Payment Option" in The Shopping Cart

DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.

Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!


Phone: (1888) 344-3742 Toll Free USA
Local: (818) 344-3742
Fax (775) 249-9320


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