The above Mp3 file is a talk by Sari grove about why credit card insurance is such a very bad thing...As it happens, the Occupy Wall Street movement is about how banks have taken so much money in bad ways from the little person...This is one such way a self-employed artist can get exploited by a bank...But it also involves the disabled, retired, unemployed, seasonal or part time workers, or those who weren't employed when they said yes over the phone...Important! Listen now...

http://grovecanada.wordpress.com/2011/10/31/complaint-filed-october-31st-2011-to-obsi-officially-concerning-systemic-flaw-in-canadas-banking-system-using-td-bank-as-a-microcosmic-example-for-scrutinizing-the-flaw-the/ Then, read the great letter I wrote to OBSI on Hallowe'en, October 31st, 2011...
http://www.lautorite.qc.ca/files//pdf/publications/conso/assurance/AMF_insurance-sold-lenders-merchants.pdf Guidelines for how a bank must proceed when selling insurance...

Create your own video slideshow at animoto.com.

 
 
----- Original message -----From: "Joseph & Sari Grove" <grovecanada@fastmail.fm>To: info@wamsoc.caDate: Thu, 27 Oct 2011 23:03:28 -0400Subject: Submission...3 images attached from Sari Grove... Hello, I am submitting to The Women’s Art Museum Society of Canada for  The first thematic exhibition:

 Attached are 4 files: In order...

 1) "Swanee" 75 bs. & 5ft. x 30 in. x 30 in. of Ferrocement sculpture from 2011 by Sari GroveDescription: I wove some nests out of Sisal rope on my hula hoop for wintering Trumpeter Swans...The sculpture began as a signifier for these swans to know this was a safe nesting area for them...From November to April I feed the Trumpeters wild bird seed...This is both for me & for them... 


2)"Tempesta" a 36 x 48 inch oil on linen painting from 2010 by Sari GroveDescription: My husband Joseph Grove & I, (who is also an artist) were feeding Mute swans, a family of four, when a seagull tried to steal a piece of bread...The mom swan went medieval on the seagull & we were all frightened by the power of this beautiful creature...It became a painting "Tempesta" or stormy... 3)"Magnolia" a 36 x 48 inch oil on linen painting from 2010 by Sari Grove 


Description: I was carrying Sky a husky puppy in my arms because he didn't feel like walking...As I showed him the flowers in a public garden, he leaned forward & swallowed a giant Amaryllis...On April 5, 2010, the Magnolia tree bloomed at our neighbour's...The painting became Sky the husky eating the flower in the foreground with the Magnolia blooming in the background... 


4) A current C.V., Bio, Statement for Sari Grove in pdf form...(If you need this is an alternate format please email me at grove@sent.com , I work in Mac & .doc files are so odd for me to work with...)Description: I have troubles putting my life's work on paper...It seems so dull compared to the colours & sounds & life that happened in each line of print...In many ways I see the C.V. as being merely another artwork, as such I try to entertain a bit...Please forgive me...Sari Grove grove@sent.comgrovecanada.ca  
 
 


Update Comment on June 11, 2012: if you don't feel like reading all of this let me sum this all up...Toronto Dominion Canada trust Bank is full of shit...Why? Because they sold an insurance policy to a self-employed person without telling them that self-employed people are excluded...All this bullshit & analysis & letters from them are a load of crap...If someone is excluded from making a claim because they are self-employed then you don't sell them an insurance policy, & then say 'well, you should have read the fine print'...Fine print excuses are for scammers, fraudsters, criminals, it is the stuff of corporate malfeasance...The fact that this bullshit runs so deep from TD bank to Canada Life Assurance company through to the OLHI & various levels of Canadian government means that our country now stinks...
  When someone calls to sell me computer software they say this is WINDOWS blah blah blah, so then I know I am excluded & I say I have a MAC blah blah blah & they say "Oh sorry" & go away...TD Visa card people don't tell you who their insurance is for or who is excluded...They just sell it to you, take your money then load up your life with bullshit red tape answers while they run to commit more phone fraud...They also have sold to retired people (excluded), students (excluded), freelance workers (excluded), seasonal or part-time workers (excluded), disabed people (excluded)...They are totally full of shit & their letters below are just more shit compressed with vomit & verbal diarrhea...Makes one sick just to deal with them...

Update: Wed. June 13, 2012: Oh, yeah...& they SAY they sent me a written thing that supposedly told me all about the whole insurance policy...They SAY...But that is their word against mine...I never got a written insurance policy...Nor did my husband see it in the mail...This is TD Canada trust bank SAYING they sent me a written policy, but I didn't get it...They say they sent it, they say that they have a record of sending it, they say that they got no returned mail...This is all hearsay...They say...I say I didn't get a written policy...So...Who are you going to believe? A bank who is defrauding people using an insurance product that has been PROVEN to be a fraud worldwide already...Or a person who is out over 3 grand now plus $10,000.00 in estimated aggravated damages because of wasting so much time trying to get back that money...This bank, & all the other banks who sell creditor's group insurance are all a bunch of liars...So why should anyone believe them when they say they send out a written insurance policy...Nobody else seems to have seen this policy...A lawyer looked at the written thing which we finally got to see after 
months & months of trying to get this refund back...This is how the lawyer described this thing: " OBFUSCATORY"...
  For the record, we also never got a copy of the "phone contract" which they quote to us all the time...I heard this rambling piece of shit though...Not one mention of EXCLUSIONS was made...Still these fucking criminals insist that informed consent was reached...Informed consent? Really"...Omigosh our country is full of criminals...Terrorists really...They steal from you with a smile on their face...Now that banks have dumped all their senior employees who might have been honest, they are all left with minimum wage lackeys who have no ethic, no university degree, no experience, & most importantly of all, no INSURANCE LICENCE...


http://business.financialpost.com/2011/10/26/td-bank-exits-obsi/ Read this link about how TD Bank just exited from OBSI (ombudsman for banking services & Investments) because Td bank didn't like how clients were getting positive results...)Read my comment there too! Sari

Picture
This is the rude letter I got from Td Bank...
Picture
here is the ending of the rude letter from Td Bank...
Hi J., (hope that is spelled right) at OBSI,   I am sending this complaint by email because the Submit button on the online form wasn't working for me...   As per our telephone conversation on Wed. Oct. 26, 2011 at 5:00 pm...   Sari Grove   grovecanada.ca a website with blog... groveontario.wordpress.com blog You can find us on twitter as grovecanada, or facebook as grovecanada, or my fan page as Sari Grove also, grovecanada.wordpress.com has a blog...   Thanks, J.,   I am requesting that this complaint process be opened immediately, so as to beat the Nov. 1st, 2011 deadline where I would have to file a complaint with ADR Chambers after that time...   So if you could stamp this complaint for today, that would protect us from having to go through someone else...(Please)   Online complaint form You can use our secure online form to send us your complaint, or a complaint on behalf of someone else. You will need to send us supporting documents, such as the final letter from the firm about the complaint, by fax or mail.   Our mailing address is:   OBSI 401 Bay St Suite 1505, P.O. Box 5 Toronto, ON M5H 2Y4   Fax: 1-888-422-2865 or 416-225-4722   We use secure socket layer (SSL) encryption to protect the transmission of the information you submit to us when using the form below. * Are you complaining on behalf of someone else? Yes No If you have a complaint, enter your contact information here. Person # 1 Person # 2 (if applicable) Title: Title: Mrs. * First Name: First Name: Sari * Last Name: Last Name: Grove * Daytime Phone: Daytime Phone: 416-924-9725 * Evening Phone: Evening Phone: 416-924-9725 * Email Address: Email Address: grove@sent.com   Mailing Address * Street: 306-15 McMurrich st. Address 2: * City: Toronto * Province: Ontario * Postal Code: M5R 3M6 * Country: Canada   Details of your complaint * Type of account this complaint is about: Personal (though we are self-employed so our Personal & our Business accounts are blended) * Name(s) of the firm(s) your complaint is against: TD Bank * Summary of your complaint:   Summary of my complaint: In a nutshell, TD Visa took $2,684.70 plus interest from me for Credit Protection Insurance in a coercive & deceptive manner, sold over the phone by non-insurance agents, & I was never told that I as a self-employed person did not qualify...I also did not know I was signed up in the phone conversation as most insurance contract require a signature in writing to confirm that my consent was informed consent...There was also no annual reminder to confirm my enrollment in this policy, so I could have even known I was signed up...It came as a shock to me at the end of August when my husband discovered what we thought was an unauthorized charge, & that is when we found out how much money, $2,684.70 plus interest had been taken directly from our credit card...
  The fact that a self-employed person was sold this policy without being told that I did not qualify to make a claim for the benefits I consider duplicitous...The fact that the solicitation was bundled with my card reactivation I also consider duplicitous...The fact that credit protection insurance is sold as negative option billing, meaning you have to cancel in order Not to have it I consider unfair business practice...The fact that I have found so many others online who have complained about being sold this while not qualifying because they are self-employed, disabled, students, retirees, seasonal workers, part time workers, or didn't hold a job when signing up, I consider indication of willful fraud on the part of TD..The Insurance Act indicates that if material facts of a policy are not disclosed by the insurer when selling an insurance policy, & it is indicative of fraud, then that contract should be voided & all monies returned to the client...I consider my case valid from this respect...Td has not given me a refund & their ombuds-processes have been remarkably defensive of what has been decided as being a fraudulent insurance product by the international insurance community at large- to such an extent that England has banned credit protection insurance in its entirety, & all Class Action lawsuits in the States have been won by consumers & monies refunded already, with more Class Actions beginning as we speak...I have discovered severe documentation about credit protection insurance online already, & it appears that it is only a matter of time before it is banned in Canada...As such, for now, I am still trying to get a refund & hope that you can help...

What follows are three recent letters I have sent complaining about credit protection insurance... 1)First letter: precedent: failure to disclose, TD bank, fraud... From: "Joseph & Sari Grove" <grovecanada@fastmail.fm> To: "Td Ombudsman" <td.ombudsman@td.com>, "Financial Consumer Agency of Canada" <info@fcac- acfc.gc.ca>, "FSCO" <contactcentre@fsco.gov.on.ca> Date: Tue, 25 Oct 2011 10:39 AM (8 hours 20 minutes ago) Hello, I am still trying to get a refund of $2,684.70 plus interest from TD Visa on Balance Protection Insurance... I am adding an excerpt from a previously decided case that applies to my own: The reason the client was given a full refund on all premiums taken for balance protection insurance is that the client was self-employed, like I am, (& that fact is clearly written on my credit card agreement...) At no time, in the over the phone conversation was I told that a self-employed person would Not qualify for the majority of the benefits of this policy...Had I known this, I most likely would NOT have agreed to this policy...In case precedents, it is not sufficient that a mention of exclusions exist buried in written documents, but that the fact that a self- employed person is Excluded from benefits be drawn to that person's attention when the policy is being sold over the phone... I consider it abhorrent that a policy excluding a self-employed person was sold to me & that I was not told of this exclusion over the phone when you signed me up...It is further abhorrent that TD Bank, TD Insurance, & TD Visa, does not admit they wrongfully sold a policy while failing to disclose material facts about the insurance, in such a way that can be deemed fraudulent... In many, many, documented cases, published online, clients are repeatedly shown to have been sold balance protection insurance, without ever being able to qualify to make a claim...These are the self-employed, the disabled, students, retired people, seasonal workers, part-time workers & the list goes on...The fact that so many people were not told that they would be excluded from making a future claim, indicates more than merely a failure to disclose on the part of the insurer, it indicates a willful act of lying by omission in a grand scheme, on a large scale, & where significant monies have been taken with unfair business practice from clients, in a manner consistent with large scale fraud... As such, I repeat my request for a full refund to my credit card... Sari Grove grove@sent.com 416-924-9725 grovecanada.ca
one of the excerpted examples of a self-employed person getting their refund: "In these circumstances, the financial business should have drawn the term to the attention of Mr D when providing information about the policy. The term was not highlighted in the policy summary – it simply referred Mr D to the longer policy document where the term could be found mid way through a 20-page document.
We did not consider that this gave the term sufficient prominence. We decided that if the term had been drawn to Mr D’s attention, he would probably not have taken out the policy. It was unlikely that he would be able to claim under the policy for the most likely cause of future unemployment.
We told the financial business to put Mr D in the position he would have been in, if he had not taken out the policy, by reconstructing his credit card account."
2)Second letter: Hello, here is an excerpt form the Insurance Act: "Non- disclosure by insurer 185. Where an insurer fails to disclose or misrepresents a fact material to the insurance, the contract is voidable by the insured, but, in the absence of fraud,..." Ok...But I am looking at voiding a contract in the case of fraud... In 2004, over the phone when activating a renewed TD Visa credit card, I am told I agreed to balance protection insurance... I write, I am told, because I have no recollection of the conversation... In fact I had no idea I was enrolled in this program... Nevertheless, I found out recently that $2,684.70 plus interest had been debited from my TD Visa credit card over the years... When I looked into what this policy was, I found out that self-employed people do not even qualify to make a claim... It appears that I am not alone, that, in fact, tens of thousands of Canadians who are self-employed,
disabled, retired, seasonal or part time workers & students have been paying millions of dollars a year total for balance protection insurance that they cannot ever qualify for to make a claim... I believe the lack of exclusionary questions in the telephone call are not merely failure to disclose facts material to this insurance, but in fact knowingly omitted in a manner more concurrent with large scale fraud on the part of the credit card companies selling balance protection insurance... In fact this balance protection insurance has already been deemed fraudulent in England & the United States, & Class Action suits in both countries have refunded all monies to consumers... But Canada is last to this legal party... I am reporting TD Insurance for insurance fraud related to balance protection insurance...For fraudulently selling this product to tens of thousands of Canadians, knowing those people could not ever make a claim...Knowing those people did not qualify for this insurance & on purpose omitting any exclusionary questions in order to exploit & profit from this fraudulent product... This is not a case of one person being misled by one insurance agent...This is a case of a calculated phone sales speech, designed to rope in as many people as possible, with no care if the person could benefit or not...It is so widespread & so much money has been taken from credit card holders, that it constitutes a
breach of law, insurance law, a breach of the Insurance Act & a breach of human decency... Please contact me by email or by phone at your leisure, sincerely Sari Grove
3)Third letter: From: Joseph & Sari Grove [mailto:grovecanada@fastmail.fm] Sent: October-24-11 6:39 PM To: Contact Centre Subject: Balance Protection Insurance... Hello,
TD Visa has taken $2,684.70 plus interest from me for something on my TD Visa called balance protection Insurance... I discovered a charge recently, & when I went to have it removed, they told me it was legitimate...
That is when I discovered the total amount of damage over the years... Apparently this balance protection insurance was sold to me in a phone conversation many years ago when I was re-activating a new credit card... Apparently they say they sent me something in writing, though I never received or read it if I did...
Honestly I was entirely unaware that I had this balance protection insurance at all... My husband checks my statements, & he did not catch the charges either... But even worse, I discovered that a self-employed person is not eligible to make a claim on balance protection insurance at all anyway...
When I discovered these unauthorized charges, I thought maybe I could swallow the mistake & just have TD Visa pay off my balance owing on my credit card & somehow that would make it square again... But self-employed people cannot make a claim???
So I was sold a policy in a coercive & deceptive manner, with no annual reminders to ask me if I wanted to renew (which would have at least told me I had this policy), for something that I was completely ineligible for...??? I am hitting a brick wall with TD Insurance, who apparently thinks that everything concerning the sale of this balance protection insurance is done correctly... How can someone sell you insurance if you can never make a claim for it? How is this legal? I am so shocked... I am also depressed at the state of corruption that a bank of this stature can stand behind so obviously a corrupt product... Not only would I like my monies back, but I'd like to see TD Insurance penalized for their unfair business practices... I'd also like to see this whole balance protection insurance banned as a product in Canada in its entirety... Do you agree? If so, can you help in any way shape or form?
I have jumped through the appropriate hoops of talking with TD, & have gotten nowhere... The profits from this unscrupulous device are obviously so great as to have clouded their judgement...
My husband comes from a military family & all our extra money goes to them...That money taken by TD has being taken away from people who really need it... But worse, it has been taken in an illegal way & legislation needs to be enforced against TD...
There doesn't even appear to be any certified insurance agents selling this thing nor administering it, nor even any of the people that I have dealt with... How can non-certified people sell insurance products in Ontario? There needs to be laws about that too...
Any help you can give is appreciated, Sari Grove GroveCanada.ca groveontario.wordpress.com grove@sent.com
416-924-9725 Notes: I became aware of unauthorized charges on my TD Visa credit card only recently...It was just the end of August this year 2011, that my husband saw the charge & we both had no idea what it was for...This was because we hadn't made any new purchases on the card in a long time (2 years maybe?), & yet there was this new charge...because the statement was bare except for this charge, we were able to notice it...Balance protection ins. on your credit card statement is very hard to spot, since it only appears if you carry a balance, but if you are carrying a balance it gets buried in the pile & looks like a bank statement fee or an annual credit card fee...Online complaints from other consumers indicate that a high percentage do not even know they have this insurance product at all, for many many years- which indicates that this product is designed to be hidden on purpose... Name of most recent person at Td Insurance who sent me a letter: Michael Brunette wrote the most recent final position letter...no email address was given...no phone number was given... brief details of steps taken to date in order to try & resolve this matter: 1)Called TD Visa to have unauthorized charges removed 2)Was told the charges were for credit protection insurance...Said I didn't sign up for it & asked for an investigation...Cancelled whatever this thing was immediately... 3)read about credit protection insurance online, CBC Marketplace did a documentary viewable online warning that this was a scam...Discovered that self- employed person could never have qualified anyways... 4)Was told there was a phone record of me saying yes to this... 5)wrote letters to TD Bank, Easyline phone service who does the phone sales for TD, Visa, Insurance, saying a phone record was not a contract... 6)wrote letters to above saying self-employed people do not qualify, so why was I sold this? Included the fact that my credit card agreement with TD Visa states clearly that I am self-employed... 7)wrote to the FCAC to have them investigate TD Insurance for unfair business practices & asked for a 250K penalty to be applied to them... 8)wrote to the underwriter
Assurant Solutions/ABLAC to see if they could help 9)Spoke to the ombudsman for GIO about this matter & advice 10)spoke to two lawyers, but did not retain them yet... 11) wrote to class action lawyers concerning a possible class action lawsuit, did not retain them yet... 12) went through the TD bank ombudsman, & though they referred me to the TD Insurance ombudsman, the insurance ombudsman said this was a matter for the TD bank ombudsman...The runaround...
13)received rude final letters, one from Indra Satram, one from Michael Brunette, which just repeated like a template that they were not going to give me my money back with no apparent intellectual listening to the facts of the case...Form letters basically copied & pasted from a template is what I got...
14)Spoke to a branch manager in person at TD bank at Bay & Bloor, who made some calls & also found herself stymied by runaround, delays & lack of authority in finding a person who would take responsibility... 15)Wrote to FSCO, & was told to fill out a complaints form... 16) Published all my writings on this subject on my blogs & websites & Twitter & my Facebook business page & received an email from a lady who thanked me for publishing this information, & who got a refund soon after because her son had been signed up for credit protection insurance, but he was a student...Apparently the fact that he was a student & could not qualify for credit protection insurance claims was sufficient for the mother to get a refund immediately for her son...I question why TD Insurance has not given me a refund based on the same exclusionary fact- namely that I am & have always been self-employed... 17) Some of these steps are not necessarily in the correct order...I have probably spoken & written to more organizations & people than I have noted above...The Consumer Protection agency of Ontario also helped me over the phone...   * Have you completed resolution process at your firm? (Help) Yes (Yes)   * Have you started legal proceedings? (Help)  No (No)   Additional information How did you hear about OBSI? We were referred from another organization online, here is the link- http://www.canadianlawsite.ca/consumer-protection.htm#d   If you have completed the complaint resolution process at your firm, please mail or fax us that letter along with any other supporting documentation. (OBSI Address above)   Submit © Copyright 2006 OBSI All rights reserved  
 
 
Picture
Ok, so in the picture is a cutout of the swan sculpture, laid on top of an original painting...This was a quickie tryout, you can do the edges better if you take some time...(You can also cutout the middle section where the neck meets the body, or other holes like that too...)
  Ok, here's how...
1)On your Mac (sorry everybody else), open  the picture you want to cutout in Preview...
  See the "Select" button at the top of your picture? Go in to those choices & choose "Smart Lasso"...
  Then just draw a line all the way around the shape you want to cutout...(a thick line appears immediately)...(Once the shape is closed, like you have joined your beginning line to your end line, so it is a closed shape, the lines will change from thick paint line to a shimmering dotty line)...
  Now go to "Edit"...& choose "Invert selection", then choose "Cut"...
  Now you have your cutout shape!
  2) Now say you have saved your cutout image & now want to put it over top of a different background...Open the cutout image in Preview, select the Smart Lasso tool again, & go around your shape until you are back to your first lines & the shape is closed...Now go to Edit, & click "Copy", then open your new background image picture & click "Paste"...(just a heads up, make sure to close the first image, the one you copied from before trying to save your new pasted onto picture...)
  That is neat eh? & totally free if you own a Mac...

Cool other tip: http://www.fring.com/ Fring is an App you can download for free to your Ipod...Once you get Fring, you can add FringOut as a pay as you go, the first credit is $6.99...In Canada that means you can send or receive phone calls to anyone from your Ipod for about 7 cents a minute, pay as you go, no plan...That is neat! (You use free wifi to do this...)

 
 
How to do sculpture in ferrocement...
 
 
Hello -------- ------------ (name of person),

After a lengthy conversation with ------- ------ of GIO, the General Insurance Ombudsman(or whoever you spoke to), I am writing this letter now...

  My TD Visa(or whatever credit card ) account number is ---- ---- ---- ----

  The name on the account is my maiden(or whatever name on the card) name ---- ---- ---- ----

I am married now, & use my married name Mrs. Sari Grove in conversation & online...( my financials I kept separate because I am a sel-employed visual artist & as such a relatively public figure...) (explain if your name is different on credit card)

 I discovered an unauthorized charge on my TD Visa about 2 months ago...When I called to have it removed, I was told it was for balance protection insurance...

  I later found out that $2,684.70(insert your number) was debited from my Td Visa card(insert your credit card name) over the years...Plus interest...

 I asked for a refund immediately of course...

 I was told that this balance protection insurance began on my TD card in January of 2001(insert correct date)...

 I have been forwarded to the TD Insurance ombudsman's department by the Td bank ombudsman, as you can see in one of their attached letters...(or whoever sent you to this department)

 I have spoken with Assurant Solutions/ABLAC the underwriter(find out who your underwriter is), who have also directed me to TD Insurance...

 I have spoken to or written to the FCAC, as well as the Minister of Finance department on the federal level, as well as the OHLI, & FSCO, & the Consumer Protection Agency of Ontario...(probably several others, but it is late to list all the departments I have interacted with so far...)(write anyone you have spoken or written to)

 I am sure you are already aware of concerns with the selling & administering of this particular insurance product...

 Of note, an annual confirmation required in the administering of this product would prevent people like me from not even knowing this product existed on their credit card...

 10 years(or however long) is an awfully long time to be paying for something without any annual confirmation check on the part of the insurance company, isn't it?

 The fact that I am self-employed(or disabled, or a student, or seasonal worker...) is an obvious exclusion for the majority of any "benefits" that this product deems to offer...But more importantly I am concerned that money has been taken from me in a manner concurrent with "unfair business practices"...

 The facts of the transaction from the: 1) activation or reactivation of credit card bundled with sale of balance protection insurance is unfair...These two entities must be separated...

2)The lack of exclusionary or refining questions in the phone conversation is an unfair business practice...ie: Are you self-employed? Oh, then you can't qualify or make a claim for job loss, disability...

3) The lack of a necessity for a signed confirmation of acceptance after the phone conversation...If a written form is sent but not read, then what is the use of that form? A customer has to receive the written form, read it, & understand it, & then sign it, to indicate informed consent...Once that form is signed & returned to the insurer, then one has something of a contract...Calling a phone recording a contract is an unfair business practice...Stating that it is sufficient to send a form, without requiring it to be signed & returned is an unfair business practice...

4)Negative option billing in a general sense is an unfair business practice...

5)Lack of an annual confirmation is an unfair business practice...

6)Not giving a customer a refund if they say they didn't know they had this product, didn't receive any written documentation, didn't qualify since they are self-employed, is an unfair business practice...

7)Putting a customer through lengthy ombuds-processes, lengthy waits for final letters that were promised but never written or sent(one month before it was admitted that nothing was ever written or sent), lengthy runarounds & statements that this is the wrong department after 6 weeks of speaking to one office, is an unfair business practice...

8)Selling an insurance product that costs 2 million a year to administer, but earns 20 million a year in revenue, though everyone worldwide in the insurance industry agrees it is a completely useless product o the consumer, is an unfair business practice...

9) Not answering forwarded emails, phone calls or letters...Is an unfair businss practice...

I am still looking for a refund/annulment of this bal.prot.ins. to my Td Visa card...

 I hope that you can help to make this a speedy & positive process,

 thank you very much for your time,

Mrs. Sari Grove

 
 
Poppy seeds are opiates & occur on bagels...
iRenew bracelet is probably an iron derivative...
Archimedes was an interesting person, a man...
Trout Canada has adopt-a-trout & smoult school if you do...We did...
Pringles potato chips are a hyperbolic paraboloid...
A triangle & a half circle are not that different...
Barley grass powder is avail. at Herb Depot Spadina & is supposedly for renal tube damage remedy...
Costa Rican coffee att Cafe Urbana is nutty manganese...(works in your thymus to lower iron levels)...
Beer tends to have lead in it which lowers zinc levels in thyroid gland- but can also induce M.S. (multiple sclerosis) if excessively taken...
Mill Street organic brew beer is not bad...
Cortisone creme tends to contain lead & magnesium which slows things down to heal them like cuts, but also cleans out mercury (the magnesium part cleans out your gallbladder of mercury poop fumes fungus Parkinson's)...A good source of topical magnesium is epsom salts (dip a finder in vaseline, dip in epsom salts then, apply under fungus toenail, put on sock, wear overnight)...
I like potato vodka but grain vodka contains magnesium too...(Polish style)
Red Bull plus vodka can kill you (an up & a down don't always make a naught)...
*try diet coke as a chaser with one shot of vodka on the side...(or canned soda water with lime juice organic plus a sweetener)...
Progesterone, prednisone, cortisone, steroids, all have lead in common...Lead pronounced "led"...like the metal...Madagscar periwinkle removes lead...Herbies herbs carries it...(grapefruit too, which is a zinc product)...
Copal Amber beads Latvia for whiplash neck injury or broken neck types, Lithuanian copal amber for broken back spinal cord injury...(both contain B12, heals pain, heals...nerve damage, neuron damage)...Buy on Etsy or Ebay.ca
Aluminum & Titanium Dioxide live in the Lymph Nodes (armpits)...One balances out the other...
Warfarin, titanium dioxide, cocaine, are all blood thinners(for armpit area)...

So are red hot chili peppers, garlic, wasabi, hot mustard(but these lower blood sugar levels in Pancreas- thus eliminating diabetes)...

An epileptic seizure may indicate exposure to cocaine(ambient in your airspace or on outdoor surfaces where drug dealers dump...)- the brain gets all the blood thinned out, then later it all clogs up again, but worse, which causes a clog & possible seizure...

Prostate Pro contains things to make a dog's balls descend...

Fotoflexer.com
Pizap.com
OpenOffice.org

If you get hit on the front of the head, that injury will move over time to the back of your head...Say I get hit front right side of head, over time that injury will move to my left front of head & continue to the back of my head over time, say 10 years...Then it will continue to spiral downward in that same direction...be aware of that...It is not healed up entirely, but just has moved...

A selenite necklace will turn off lice alot...(selenite is garlic in bead form)...Selenium will also lower diabetes risk if you eat too much sugar (pancreas again)...You can eat raw garlic with plain yogurt...(Christo & Jeanne Claude) Sugar & garlic/selenium live happily together in balance in your pancreas...(diabetes is an inbalance of too much sugars...too much garlic can cause dizzy spells due to lowered blood sugar...)

Nutty people eat alot of manganese nuts...Pink Tourmaline is manganese in bead form...High iron can be dangerous...(India sits on iron)...(Ontario sits on dolomite rock which is magnesium)...

Leadprosy? High lead content can cause people to overdose on zinc which can cause falling off of limbs like you see in leprosy/thalidomide/agent orange/pesticide overuse...Cigarettes contain zinc...Bipolar is too much zinc...Multiple Sclerosis is too much lead...Sunshine contains zinc...So do Vitamin D patches...Choose wisely...

Tequila contains agave which is good for the tendons if you combine with a little red meat to rebuild torn tendons...(combination of magnesium plus aloe- aloe heals burns- say thank you to the snakes who are long on aloe from working with cactuses)...

Microwave the ZooPoo to create inert fertilizer, the fumes emitted from the microwave will be ambient so light your candle...(sell the fertilizer?)(or give)...

One quarter, 1/4, of an antiepileptic pill made of lead (like lithium, olanzapine zyprexa/OZ, lepidolite beads work topically by the way btw), will put one to sleep for 6 hours...(180 lbs.) Get some zinc oxide powder & put in your shoes or socks in the morning if you overdosed on lead & need to go to work...

Nicorette gum works but you have to chew more than the recommended dosage...Cinnamon whiteneing tastes good...

Combantrin is an over the counter but have to ask your pharmacist antiparasitic pill that you swallow if you have also maybe swallowed some lice eggs? (too much makes your face look puffy, but actually is just nicotine at a high dose, so eats away at calcium bone/could cause osteoporosis)...

Uncut cocaine is like rat poison...Which is a blood thinner & your heart explodes...So make sure it is cut with baking powder or something else appropriate if you are doing illegal drugs...It could kill you not to check that it is cut/diluted enough...More is not always better...Really...Don't snort if you don't know...

Garlic & Ginger, Nature's Natural Antibiotics...(one lowers blood sugar, the other speeds up the delivery process)...

Vinegar removes carbon from the lungs, like carbon excess in lungs from Down's Syndrome...I like ACV Apple Cider Vinegar from Nutrition House under the Bay at Bloor & Yonge...The Doctor there is not registered in Canada, but that doesn't mean he ain't smart...

Wasabi is Japanese garlic...Hot mustard is Chinese garlic...Red hot chili peppers are Korean garlic...All remove lice, are blood thinners, lower blood sugars, & can prevent or remedy diabetes in the pancreas...Dim Sum restaurant Lee Chen on Yonge north of the Pizza Pizza just opened & has great red hot chili pepper seed sauce free with your dim sum meal which is good...Order normal stuff the first time- this place has some exotic things you may not have ever tried (think Bayou-Bayu means whitefish, similar to trout...um er eek)...Update: the red hot chili pepper chutney sauce clears out your Fallopian tubes of gunk...really...In men, it will clear out the tubes that feed into the testicles- the urethra too...

Rocks are nice to sit on & can calm down an agitated heart...Pick one big enough for your derriere...Cumberland street has a nice pile of rocks to sit upon...

Taurine powder( I think it might be from a rabbit, not sure?) at Popeyes on Yonge south of Bloor will fix up a weak heart in a cat or a human...HCM...Hypertrophiccardiomyopathy...Overbred people's children...Put a measure in your morning tea...causes a headache if you took too much...This is a non-seafood source...A natural seafood source of taurine for the nonallergic is clam juice at your grocery store...The one beside Global Pet Foods at Dupont & davenport has clam juice...Ask for help to find it...good for weak heart really, tastes good in steamed mussels...(or seafood type dishes)...

French & English are the official languages of Canada...Websites should probably accommodate to that...

Lice like copper...Mold does not like copper...Copper & blue mold/turquoise type things live in your spleen...Spleens get injured in car accidents often & no one notices...Add copper plus blue cheese to your diet...or just copper...or just blue cheese...Spleens are important & are hard to know if they are bruised or hurt...(Treat your spleen well if you have been struck by a car)...You can buy spleen formulations at Herb Depot on Spadina very south of College street on west side...

A styptic pencil is made of aluminum & will clot a bleed cut...Anti-perspirant contains aluminum too...(Lymph nodes remember)...Titanium dioxide will unclog excess aluminum...(found in pricey SPFs-sun protection factor, like ROC spf 60)...

Apple Cider Vinegar drink for Down's Syndrome remedy...(lungs filled with carbon/charcoal/miner's lung)...



Pour some orange juice or cranberry juice into your beer to offset lead from draft pipes...

Red Hot chili pepper seeds/sauces can clean out cervical...(after your period- gross I know, but helpful...)

too much information! Nuff said bye...

Put cortisone cream, prescription, on scratches where you scratched from lice eggs under your skin...

Vacuum with small brush head your whole mattress top bottom under over all to brush off bedbugs & suck them up the vacuum cleaner...

Turmeric rumoured for brain tumour remedy...be careful not to hurt healthy tissue by overdosing...

The liver does Not like holes or cuts or gashes in the skin...hepatitis of the liver can be prevented by not making holes in your skin...Cortisone creams can help heal up holes already made in your skin...Temporary tattoos are a way to avoid making holes in your skin...Consider a stick on/rub on  type tattoo before making a hole in your skin...
 
 
http://www.rehabinfo.net/alcohol-detox/   


http://www.rehabinfo.net/drug-detox/




More: http://groveontario.webs.com is still active but free to me now...

cocaine is a blood thinner.
a badger is halfway between a raccoon a mole & a beaver. Did I say halfway? I mean a third of the way.
bada bump.
cereal & milk: the way cereal is goin' down the road of gmo genetically modified units microwaved stale it feels like aluminum which is good 'cause that's what you are goin' to need if you are exposed to ambient uncut coke.
 
 
Picture
putting out warfarin white powder with talc rat poison in Toronto is illegal...This is a case of breaking laws, & should be handled by the Toronto Police...This is what I was told by Toronto Animal Services...(not sure if this is correct or not)...

*gangrene in Canada can or may be related to heat loss, freezing, lack of circulation...Apply ambient heat slowly to area that is green or blackened...A cellphone or iPod emits gamma rays- that can help if in proximity...

 Normal everyday things that you may not have known before & what to do with them... 

  Ginger, ginseng, makes things go faster- speeds up whatever action of the drug you take it with...Titanium dioxide dissolves aluminum in the lymph nodes (for people who overdose on deodorants)...Warfarin & titanium dioxide & cocaine are all similar but different names- high doses will cause you to become a haemophiliac- ie: bleed out like crazy & not coagulate...Rat poison is based on warfarin...They mix it with baby powder talc talcum powder then the rat steps in it or gets it on its fur then licks it off then dies of heart exploding due to increased volume of now leaky blood in heart or organ failure due to lack of coagulation or lack of blood pressure- for example lack of blood pressure or too low blood pressure will cause anemia...You can treat exposure by eating a banana, Vitamin K, potassium, or putting on alot of deodorant or anti-perspirant or rubbing styptic pencil on wounds to clog them back up again...(styptic pencil is alum)...Cinnamon is basically echinacea (but echinacea is in a higher dosage)- which is also a thinner but addresses brain tumours specifically...(some countries that are hotter in climate use turmeric for this purpose, which is similar to cinnamon in action...) Cold F/X contains echinacea/cinnamon, titanium dioxide/blood thinner- may be considered for brain tumour problems that were previously difficult to reach or get at surgically...


Add a lime wedge to your beer to remove lead that may have fallen into the draft pipes from rustage...(lime is zinc which offsets lead)...Or pour some orange juice into your beer can after you drank off some off the top- the orange juice makes the beer taste better & also contains zinc which offsets lead from the water supply used to make the beer...Lemonade tastes good inside beer too, same action basically...

Lemons are good for your aureoles, oranges are good for the boob part...Grapefruits are good for ovaries/testicles...See the pattern? Things that look like a body part are usually good for that body part...Raspberries are good for the nipple part...

p.s. cure for agent orange overexposure: agent orange is just nicotinamide, niacinamide, pesticide, zinc overdose in the thyroid gland, thalidomide, or leprosy remedies (leprosy is characterized by people with naturally high lead body content so it is treated by zinc- but too much zinc causes falling off of limbs- in trees it causes falling off of palm fronds)...Lead (plomb in french) is the antidote for zinc poisoning...Bipolar is mostly zinc poisoning...Lead is found in antiepileptic drugs like lithium, olanzapine zyprexa (OZ), but also lead is found in rocks...If you are feeling zinc cigarette kooky, go sit on a big rock...Rocks usually have some natural lead in them & that will calm you down...Goats like rocks...Go hang out with some mountain goats who will have higher lead rock content in their system...I said hang out with, not eat...


If you feel weak in the:right leg(or ankle or knee) problem kidneys, left leg(or ankle or vein or...) problem heart...

Cure for cancer:
grapefruit=madagascar periwinkle plant leaves chemo therapy
why: vinpocetine is the same chemistry in madagascar periwinkle as in chemotherapy...but mad. peri. is available from Herbies herbs on Queen street at about $25 dollars cad a bag whilst chemo is not available in Canada without a prescription...So you have a choice...now...Note: mad. peri. removes birth control pills patches whatever format the progesterone prednisone thingy was in, anyways it removes it from your body...Even if you took a chemical birth control pill or patch or injection a million years ago, you still have to FORCE it out on purpose a million years later...This stuff, birth control chemicals do NOT excrete on their own...It's like this, if you put a lead bullet in your arm a million years ago, it will still be in your arm a million years later if you don't FORCE it out...Birth control drugs are like lead bullets...Just cause you took it when you were a teenager doesn't mean it is gone when you get married or whatever...That is where Mad. Peri. comes in...(try two teaspoons a day for two weeks, rest two weeks, try again if you still don't feel better...stop for a while...evaluate your health...start routine again if you still think you have leftover bullets to eradicate...stop if you are overdosing on the Mad. Peri. ...You can throw yourself into menopause if you are a woman, or eradicate your healthy sperm if you are a man & you decide to overdose on Mad. Peri., which is really just over the counter chemo...So go SLOWWWWW!!!!
Cure for Aids:
BTW: aids is just adrenal gland failure which is caused by progesterone excess in the adrenal gland...Mad. Peri. will remove excess progesterone...Read EXCESS, not all ok? (like go slow with the Mad. peri., too much is not good either- you just want to restore Balance not screw yourself up the other way- as in Skew the other way...!)


sunshine gamma rays radiation

victory: Detroit Lions went 5-0 for the first time since 1956

ttc toronto transit commission


xtra news: The TTC is a train...Trains have been caught speeding...Trumpeter swans have been killed...Two...A male & a female cygnet...Possibly siblings...Untagged...When an animal has been killed, who sues on their behalf? Toronto Animal Services???


air: air can be cleared of gas with a flame of a candle...Too much fire however will clear out extra gases too, like oxygen...Beware...


y are you?



aluminum is found in most styptic pencils, anti-perspirants, also in lymph nodes...It is the remedy for cocaine overdose...Know this...



r: gold is good for the heart...(cleans)



s: diamonds are fatty, good for the breast area...People with Crohn's disease are lacking in fatty things...Rock oil is found in Scotland...Sheep too...Haggis too...Scottish people need fatty things...Carbon contains fat...



titanium dioxide is the over the counter name for cocaine...Chatte or chat is the name Somalians use for the leafy plant they use to clean their teeth which is similar to coca leaf...Titanium dioxide is commonly found in more expensive SPF blends (sun protection factor) like ROC 60 spf...You can also buy tita. dio. over the counter from essential oil sellers...(There is one in Alberta, cannot remember the name offhand)...


t: cortisone cream is a mix of three things: magnesium which cleans out mercury from the gallbladder, lead (plomb) which cleans out zinc from the thyroid gland (cigarettes are zinc based & too much zinc can make you crazy due to causing anemia)...Last a vaseline type thing to hold it all together...You can make your own topical cortisone cream by powdering up a typical lead based antipsychotic (antiepileptic) drug, powdering up some epsom salts (magnesium sulfate), & mixing into vaseline...This will clean a wound & help it to heal...



lymph nodes armpits



h: garlic & ginger together make a natural antibiotic, garlic lowers blood sugars in the pancreas, ginger speeds up the metabolism to make it work before you excrete it out...Taking this as a preventative or remedy can help prevent or reverse diabetes which affects the pancreas with too much sugar...Wearing a selenite necklace (garlic), or ingesting selenium pills are other methods- don't forget the ginger...Wasabi is garlic as is horseradish, so to speak but green or pink or white...(veggies added for colour of cultural norm)...




lead is opposite to zinc in the thyroid gland: they both live there together as opposites...Too much lead, makes one boring...Too much zinc makes one crazy...Zinc includes cigarettes, gamma rays, sunshine, Vitamin D...Lead includes beer, wine, sediment, lead from draft pipes, rocks, antiepileptics, antipsychotics, most birth controls that are chemistry based like the progesterone line, lead relatives are prednisone, cortisone cremes contain lead...



wolf: a malamute is bigger than a Siberian Husky but/& has brown eyes more often...



q: A convertible car with no rollbar can be dangerous if you roll over...



magnesium: magnesium gets rid of mercury in the gallbladder...Parkinson's disease is related to mercury overdose/ poisoning...Put some epsom salts mixed with vaseline under your fungus toenails to get rid of mercury in your toenails...Bathe regularly in epsom salts if you are Parkinsonian or are near to someone who is...(You can ingest oral epsom salts- ask your pharmacist if they can order you a jar- drink with orange juice or somethin' else tasty 'cause it isn't at all...very bitter...- too much magnesium causes jaw pain- so stop or cut back when you feel jaw pain...)



m: Stella Artois is a very nutritious beer...Stolichnaya is a good quality vodka...Diet coke makes a decent chaser...Nicorette gum cinnamon whitening flavour tastes good & can help you lose weight, stay awake at a bar, & quit smoking- but you need to chew alot (more than recommended dosage)...




thyroid gland




e: lice are like neurons...Combantrin is over the counter but ask from the pharmacist's desk for: antiparasitic in case you think bugs have gone internal...Life brand lice shampoo works, & you can apply it as a lotion & leave on if you are too cheap to buy the expensive lotions- though the NIx creme does work , but pricey...Miele vacuum cleaners are quiet & brush head will dislodge bugs from fabric, then get sucked up...You need the brush head to dislodge them- just the sucking action is not enough...On the upside: lice create breathholes in your skin, so if your skin needed to release gathered up toxins but couldn't, they provide a safe way of cutting into flesh delicately...Surgery but free sort of...Bloodsuckers have been used in medicine before...These are just tinier ones, like to eat away at a tiny superficila tumour...Just a thought...Do not try this at home, unless you are a total idiot...



manganese nuts thymus: iron B12 copal amber are all opposite to manganese which live in the thymus, not to be confused with the thyroid...Too much manganese nuts makes one nutty, too much B12 iron or copal amber (worn like rosary beads) & you can get leprosy, lice or myasthenia gravis...Iron can be worn as a bracelet or necklace or whatever it is called pyrite or marcasite...B12 can be worn against the skin it is called copal amber beads & it can come from latvia or Lithuania...The ones from Latvia are good for whiplash neck injury regrowth...The ones from Lithuania are good for back injury spinal injury spinal severation regrowth- buy two necklaces, attach together, & wear as a waist chain in the case of spinal injury at the middle of the back...(Copal amber beads can be bought fresh at affordable prices on etsy or ebay.ca)



ADHD, ADD, related to mercury overdose- treat with magnesium...An epsom salt bath works...




Copper lives in the spleen with turquoise elements (like pigeon poop, or blue mold)...Too much blue mold in your life? Add copper...Too much copper in your life? Eat blue cheese...Drop a copper penny into a plant's water to clear or prevent blue mold... car accidents often involve internal injury to the spleen...If the spleen is not working correctly, blue mold may not be processed properly...You can wear a all copper bracelet against your skin to help your spleen to work through the mold... Don't wear copper if you don't have too much mold in your system...Too much copper could be annoying to your body too...!


I think this is the end of this blog post for now...I might update as I see flaws, bear with me...


iron taurine powder b12 copal amber beads pills

 
 
  A.V., Eco-House Rainsil 1 part mixed with Eco-House Primasil 9 parts, all in a one Litre can, makes a NO VOC , no volatile organic components, (no smell), eco-friendly-concrete sealer, that you can put in a spritz spray bottle & spray on your concrete sculptures...Or maybe mix in integrally to the cement?( which I haven't tried yet...)
  Also, the mineral silicate paints come in a can too! Small sample sizes or large but not too large to carry sizes! Mineral silicate paints are less than 5 % latex, which means that instead of latex they are based on sand, you know silicate means sand smushed into a glassy liquidy thing, so your paint will be more like stained glass than stained cow's hoofs boiled...(or whatever latex is made of these days- rubber tree plants maybe?)...p.s. A.V. This is the name of somebody...I am trying to remember this person's name...I am not sure whether I can publish this name or not so I won't...But thank you for your help anyways...Much appreciated...You know who you are...I will refer to you as Archimedes...(Pythagorus is too complicated for me to say, sorry)...

  Get, I didn't "get it...Just because someone sends you something in writing, & you see it & you read it, doesn't mean you "get" it...Which means your consent is not "informed"...Without "informed" consent, there is no contract between two people...If you are not of sound mind or body or not of sound mind AND body, then you may not be able to make informed consent either...If someone is trying to get you signed up for a contract & you are not of sound mind or body & they still sign you up & you didn't "get" the contract as in "understand how to cancel, or understand that you were being discriminated against because you were unemployed self employed disabled jobless or seasonal or temporary jobby worker, then you were not informed correctly & consent was not given correctly by you because you couldn't...The fact that you were solicited for something you could not benefit from, & the fact that you were solicited because you were at a weak moment in your life, indicates a predatory con artist, of the worst kind...Premeditated, to know that you were weak, too weak to refuse solicitation because you fell into the discriminated against categories in their insurance file statistics (I'm guessing the self-employed don't usually carry insurance, at least more than other people who work for companies who provide insurance takeaways from your income cheques weekly)...So, they find out who, who has a credit card is "weak", they find the time of year when they are weak (January 1, 2001 is when most people are recovering from a New year's party or lack thereof, either way a weak moment)...Then they solicit you with obfuscatory language that has a time limit so you can't ask questions...What is the time limit? Well, they are recording the phone conversation & the tape is only so long, or they have pressure to end it quickly so they don't spend too much money on tape or the tape runs out before the closer & they don't get the phone record...So because your time is cut short over the phone you can't ask enough questions & you feel the pressure sale of time & so you are polite & let them get away quickly without really informing you of all the terms...Why are you polite? because the call is bundled with a credit card sale & you want your credit card activated badly because you need it to pay for things & they know that...Self-employed people can now get employment insurance- it's called EI...It's a new thing...But back then it did not exist, back in 2001...Is that new thing retroactive? Post ex facto ? Could be...So you mean if self-employed people were not allowed to receive insurance benefits due to business loss at work, say a tool broke & you couldn't work till you made a new tool & lost a customer that way, but for a very long time, or you went into rehab & lost business 'cause people thought you had disappeared & went somewhere else for their art, then now you can make a claim in the "job loss" category which is now opened up to include "business loss"...

  Retro: is a law retroactive? In Canada civil law can be, criminal law cannot be...Commercial landlords can seize property to make up for tenants not paying rent over several months, residential tenants cannot have their goods seized in order to make up for rent mispayments...So in Canada, one can conclude, that commercial landowners are favoured, as well as criminals, insofar as the law favours the commercial landlord, & the criminal who will not be subjected to a post ex facto or retroactive law even though murder was just made illegal in your town After he killed someone yesterday...So he is declared  an innocent to Canada, because criminal law is not retroactive here... A word to the wise however- murder is already illegal here, so don't get your hopes up...You Will be convicted here now, if the urge seizes you...