Marian Hobbs always assumed that when she got money from a cash machine, it meant she had enough in her account to cover the withdrawal. But about a year ago, she opened her monthly statement from Harris Bank to learn that she'd overdrawn her account at an ATM — and incurred a fee of more than $25.
"It floored me," she says. "They shouldn't have given me the money that wasn't there."
Ms. Hobbs learned the hard way about a practice that consumer advocates say is all too common among Chicago's big banks. Harris is just one that permits ATM overdrafts. And many — Harris included — do so with no onscreen message warning customers that they are about to overdraw their accounts or that they'll pay a flat fee, ranging from $29 to $35 per transaction.
For banks, criticism of the practice has been outweighed by the lure of additional deposit charges at a time when minimum-balance and transaction fees on checking accounts have mostly fallen victim to intense retail competition.
"We thought it would be not only a service to customers, it would be a revenue source," says Allen Koranda, CEO of Mid America Bank, which last spring changed its ATMs to allow overdrafts.
A survey of the largest Chicago retail banks finds a wide array of policies regarding ATM overdrafts, but most permit them.
Chicago's top three banks each have a different approach. J. P. Morgan Chase & Co. doesn't allow them. LaSalle Bank N.A. does, but only after customers get an on-screen message saying they'll incur a $32 fee if they go forward.
A Harris spokeswoman notes that receipts spit out by ATMs at the end of transactions would indicate a negative balance. If customers notice it, "As long as they cover (the overdraft) by the end of the day, they don't face any fees," she says.
"We view it as a benefit to customers," she adds.
That's not how critics see it.
"It's a loan that's actually more expensive than most loans you would get at a payday loan store," says Tom Feltner, policy analyst for the Woodstock Institute, a Chicago non-profit that advocates for access to financial services in low-income communities. "That's a practice banks probably should not engage in, particularly if it's not disclosed to a consumer through their own ATM network."
Mr. Feltner and other critics say the least banks could do is notify ATM users that their withdrawal is subject to an overdraft fee and allow them to back out before they incur it. Last year, federal bank regulators encouraged overdraft notification by labeling it an industry best practice, although they don't require it.
Banks haven't shown much inclination to give up the fat fees, but some have moved away from the more controversial practices.
Chicago-based MB Financial Inc. earlier this year changed its policy regarding what it refers to as "available" balances. In the past, when a customer asked to see an available balance, the machine would display a figure that included the amount allowed to be overdrawn — in other words, the cash balance plus the overdraft limit — potentially confusing the customer about how much money was in the account. Now, the balance just shows what's in the account.
"We want customers to manage their accounts in an appropriate way and only overdraft when they need to," says MB Financial CEO Mitchell Feiger.
When customers don't manage their accounts well, it's good for a bank's bottom line. In the third quarter, MidAmerica's parent, Clarendon Hills-based MAF Bancorp Inc., attributed some of its 22% year-over-year increase in deposit account service fees to "higher consumer overdraft activity due in part to allowing overdrafts at ATMs," according to the company's most recent earnings release.
The fees are a big boost to profits, compared with banks' other remaining source of checking-account income: debit card transactions. Such purchases result in small interchange fees merchants pay. But those fees "come nickels and dimes at a time," notes Greg McBride, senior financial analyst for Florida-based Bankrate.com, an online data provider on bank products. "Bounced-check fees come $25 and $30 at a time."
Some bank executives say changing cash machines to disallow overdrafts requires expensive and sometimes difficult technical modifications. Mr. Feiger says he'd like to warn consumers before they overdraw, but he hasn't committed to changing the ATM system. "We get it from a third-party provider, and it's not easy to change," he says.
The Harris spokeswoman echoes that. "Right now, we don't have the technology."
Meanwhile, consumer outrage over overdraft fees may be tempered by a tendency to blame the one who balances the checkbook.
Bart Pascoli, a WaMu customer who works downtown at the Italian consulate, didn't know he could overdraw his account at an ATM, but he says he always checks his account balance onscreen before withdrawing cash. "Everyone should," he says.
Even Ms. Hobbs, the 56-year-old downtown resident who incurred an overdraft fee from Harris last year, is quick to accept blame. "It's my responsibility," she says.


The Spanish version of this paper, titled "Justicia Terapeutica: Una Vision General", can be found at http://ssrn.com/abstract=2468365.
This essay, based on the 3rd Annual Martin Tansey Memorial Lecture, delivered May 26, 2010, at the Criminal Courts of Justice in Dublin, and sponsored by the Association of Criminal Justice Research and Development, introduces the perspective of therapeutic jurisprudence (TJ) and applies the perspective to several criminal justice issues, such as sentencing, probation, and parole. It calls for an academic-practitioner interdisciplinary and international partnership to enable the field to grow and flourish.


Its been a funny old week. I think the half term really threw us a bit to be honest in terms of naptimes for T and that, combined with coughs and colds, has left her out of sorts. Despite the cheeky little face in this pic, she has been really rather grumpy, not to mention quite clingy.
This jumper is from Marks and Spencer with a really cute zebra print on it. I tried to photograph the back of it but T was having none of it, which is a shame as it has the back of the zebra on it with a small mane! Lovely detailing! The polka dot trousers I've paired it with are a thin cotton from Sainsburys. Because they're so thin, as the weather's got so much cooler I don't think we'll get much more use of them for now but they've been fine for around the house.
That zebra jumper is wonderful! Are you feeling better?


A BSc in Nutrition (minimum of 2:1 or equivalent) or MSc in Nutrition (minimum of merit, 60%, or equivalent).
The BSc Nutrition or MSc Nutrition should include a considerable component of nutrition, in particular nutritional sciences, and should be in a broad range of aspects (e.g. not mostly public health nutrition or mostly sports nutrition). In addition, for those entering with a BSc Nutrition this should include considerable biological sciences (e.g. biochemistry and physiology) and for those entering with an MSc Nutrition there should be considerable biological sciences from previous academic qualifications (e.g. BSc Biochemistry, BSc Physiology, BSc Biomedical Sciences or similar).
The Dietetics study programme aims to equip graduates who already have a BSc or MSc in Nutrition with the knowledge, skills and professional attitudes required to practise as a Registered Dietitian.
Registered dietitians are qualified health professionals who assess, diagnose and treat diet and nutrition problems in society. They translate public health and scientific research on food, health and disease into practical guidance enabling people to make appropriate lifestyle and food choices.
The MSc pathway is a two-year course that requires modules totalling 285 credits. The Postgraduate Diploma pathway is studied over a shorter period of 17 months and requires completed modules with a total of 225 credits. Part of the course is spent in clinical practice through placements and will provide you with unique opportunities to develop your clinical skills and improve your employability.


We are The District of Class. The District of Exclusivity. The District at Windy Hill.
Surrounded by an incredible Park system Bob Callan Park, The District at Windy Hills is a sanctuary from the world.
Experience the vibrant lifestyle in the area of Sun Trust Park, the pulse of urban living, timeless design, and premier service.


text:
Name: Kelly, Keith
President Obama has nominated an Army veteran who has been a state-level labor official to serve as the next Assistant Secretary of Labor for Veterans' Employment and Training Services (VETS). Keith Kelly, who was awarded a Bronze Star for his service with the Army's 101st Airborne Division, will serve as chief of VETS, an agency in the Department of Labor that provides resources and services to help veterans locate grants, training and employment opportunities, and to assure their right to return to a job after completion of military service. If confirmed by the Senate, Kelly will succeed Ray Jefferson, an Army veteran who served in the position from August 7, 2009, to July 26, 2011.
Born in Red Lodge, Montana, circa 1945, Kelly earned a B.S. in Agriculture Business and an M.S. in Economics and Agriculture Economics at Montana State University.
He served as director of the Montana Agriculture Department from 1983 to 1989, and as head of the Arizona Agriculture Department from 1990 to 1997. He served in the federal government from 1997 to 2001 as administrator of the Farm Service Agency and executive vice president of the Commodity Credit Corporation at the United States Department of Agriculture. Back in the private sector after the 2000 elections, Kelly was president of his own firm, Kelly & Associates, LLC, from 2001 to 2002.
He returned to Montana state government to serve as administrator for the Unemployment Insurance Division of the Montana Department of Labor & Industry (DLI) from 2002 to 2004. He has served as commissioner of the DLI since January 2005, when Governor Brian Schweitzer appointed him. Kelly's grandfather, John Thomas Kelly, served as commissioner of DLI's predecessor agency, Montana's Department of Agriculture, Labor and Industry, from 1939-1941.
Kelly served as chair and vice chair of the Veterans Affairs Committee of the National Association of State Workforce Agencies from 2009 to 2010.
A Democrat, Kelly donated $500 to the Democratic National Committee in 2004 and $250 to the Montana Democratic Central Committee in 2009.
Montana Message from Keith Kelly
Veterans' Employment and Training Service (VETS)

redpajama_set_name: RedPajamaCommonCrawl


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NdFeB magnet is mainly made of Neodymium, Iron and Boron, with excellent magnetic property, abundant raw material and reasonable prices, NdFeB Magnet can be used as an ideal magnet in mini-motor, permanent magnetic resonance, sound device magnetic suspension system, magnetic transmission machine and iatrical apparatus and etc.
For NdFeB, its surface is usually treatd with some special methods. The surface treatment method include Zine, Nickel, Tin, Phosphor and Spray Epoxy Resin etc.
Abnormity NdFeB Magnet is Mainly composed of iron, neodymium, boron and many other rare earth elements, NdFeB magnets enjoy the strongest magnetic force up to today. For their high remanence, high corrective force, high energy product, reasonable price/performance ratio and availability to different dimensions, they are especially suitable to the research and development of light and compact products with high performance.


Say it ain't so! It's officially "spring," but later this week, they're predicting yet another snow storm here in New England. To soften the blow, I'm stocking up on Backyard Farms tomatoes. They're grown hydroponically in Maine in huge greenhouses, and they taste like "summer" tomatoes. Given how cold it has been this winter, these Backyard Farms beauties are like a breath of fresh, warm air.
The Backyard Farms greenhouse covers 42 acres. The tomatoes are grown year-round in Madison, Maine, and they're juicy, sweet, and taste like summer no matter when you buy them.
To celebrate my new blogger partnership with Backyard Farms (we're being compensated for creating a new recipe for their website and helping to spread the word about the flavor and versatility of their tomatoes) I am sharing this recipe for Rustic Tomato and Cheese Pie from Mary Ann Esposito, the new Chef Spokesperson for the company.
Mary Ann, of PBS cooking show fame, demos how to make this simple and nutritious recipe in her YouTube video.
When I made Mary Ann's recipe, I added some fresh, chopped basil. Delish!
This recipe comes courtesy of Mary Ann Esposito.
Pat or roll the dough out on a sheet of lightly oiled parchment paper into a 12 or 13 inch round. Place on a baking sheet.
Mix the mustard and 1 teaspoon of olive oil and brush over the surface of the dough. Overlap the tomato slices on the dough to within 1-inch of the sides. Sprinkle the sugar evenly over the tomatoes. Sprinkle the cheese evenly over the tomatoes. Fold the edges of the dough over the tomatoes, leaving the center open.
Bake 10 minutes, then lower heat to 375F and continue baking until the dough is nicely browned, about 15 minutes. Cool on rack and cut into wedges. Serve warm.


text:
St. Jude scientist named Howard Hughes Medical Institute investigator
Memphis, Tennessee, May 19, 2015
J. Paul Taylor, M.D., Ph.D., of St. Jude Children's Research Hospital, has been recognized as one of the nation's leading biomedical researchers by the Howard Hughes Medical Institute
J. Paul Taylor, M.D. Ph.D., a faculty member of St. Jude Children's Research Hospital, has been selected as a Howard Hughes Medical Institute (HHMI) investigator. Taylor is one of 26 scientists nationwide chosen for the recognition from over 1,000 applicants. There are approximately 330 HHMI investigators in the United States, and Taylor will become the fourth of these investigators currently working at St. Jude.
Investigators selected for the program by HHMI are some of the country's top biomedical researchers, demonstrating creativity, innovation and excellence in their areas of study. Taylor is an expert in the fields of cell and molecular biology, neurological diseases and genetics.
"In science, really big payoffs come when you stick your neck out. HHMI support will allow my team to be creative and take chances, which will hopefully lead to ground-breaking scientific contributions. I am honored to be named an HHMI investigator, and looking forward to collaborating with the other investigators to further advance scientific innovation," said Taylor.
Taylor's contributions include a 2013 study published in Nature that identified genes responsible for amyotrophic lateral sclerosis (ALS) and learned how mutations in these genes disrupt the way cells process RNA. The findings offered a new avenue for researchers to pursue new treatment options for those living with ALS, a disorder that kills most patients within five years of diagnosis.
Taylor is chair of the St. Jude Cell and Molecular Biology Department. He has been recognized with numerous awards for his research including the Derek Denny-Brown Young Neurological Scholar Award and the Vince Kidd Memorial Mentor of the Year Award. In 2014, he delivered the George Karpati Memorial Lecture at Montreal Neurological Institute, and in 2015, he delivered the Lisa. S. Krivickas Memorial Lecture at Massachusetts General Hospital at Harvard Medical School.
Through the HHMI Investigator Program, scientists are provided salary, benefits and a research budget during their initial five-year appointment. The initiative represents an investment in basic biomedical research of approximately $153 million. This year's groups of investigators hail from 19 institutions and represent a variety of scientific disciplines.
"Dr. Taylor's research has changed the way we study some of the rarest and most catastrophic diseases, earning him respect as a world-class scientist and visionary," said Dr. James Downing, St. Jude president and chief executive officer. "Being selected as an HHMI investigator is a great honor for any scientist, and the additional support it provides will accelerate Dr. Taylor's research and the impact he is having on the treatment of devastating illnesses."
Taylor joins St. Jude researchers Charles Sherr, M.D., Ph.D., and Brenda Schulman, Ph.D., Michael Dyer, Ph.D. in holding HHMI investigator designations. The new HHMI investigators begin their appointments in September 2015.
Cell & Molecular Biology Department
St. Jude Children's Research Hospital is leading the way the world understands, treats and cures childhood cancer and other life-threatening diseases. It is the only National Cancer Institute-designated Comprehensive Cancer Center devoted solely to children. Treatments developed at St. Jude have helped push the overall childhood cancer survival rate from 20 percent to 80 percent since the hospital opened more than 50 years ago. St. Jude freely shares the breakthroughs it makes, and every child saved at St. Jude means doctors and scientists worldwide can use that knowledge to save thousands more children. Families never receive a bill from St. Jude for treatment, travel, housing and food — because all a family should worry about is helping their child live. To learn more, visit stjude.org or follow St. Jude on social media at @stjuderesearch.
St. Jude Media Relations Contacts
Corey Carmichael
desk (901) 595-0222
corey.carmichael@stjude.org
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text:
Rajkumari Bibiji Amrit Kaur (2 de febrero de 1889, Lucknow – 6 de febrero de 1964, Nueva Delhi) fue una activista y política de la India.   Fue la primera mujer al frente de un ministerio, asumiendo el cargo de Ministra de Sanidad.

Biografía
Nació en la familia real del estado de Kapurthala de la India Británica y se convirtió en una eminente seguidora de Gandhi, activista social y defensora de la libertad. Lakshmi N. Menon la describió cómo "la gran obra de Gandhi es visible en el caso de Amrit Kaur quién dejó los "hábitos" principescos en favor del servicio a la nación".   Durante muchos años permaneció junto a un grupo de selectos líderes luchando por la libertad de la India, y después de su independencia, fue ministra de sanidad. Asimismo, continuó colaborando en muchas obras sociales. Familiarmente, era llamada Bibi.

Referencias

Nacidos en Lucknow
Políticos de la India del siglo XX
Activistas de India
Cristianos de India
Damas de la Orden de San Juan
Graduados honorarios de la Universidad de Princeton
Graduados honorarios del Smith College
Indias del siglo XX

redpajama_set_name: RedPajamaWikipedia