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Louisville's Chane Behanan Still Speaks Loudly, But Now It's On The Court
ATLANTA — Sitting on the podium still enjoying the immediate afterglow of a national championship victory, Louisville senior guard Peyton Siva noted that he and sophomore forward Chane Behanan had watched a ton of tape of Denver Nuggets rebounding phenom Kenneth Faried this season. Siva said coach Rick Pitino had spent the second half of the season regularly imploring Behanan to hit the glass harder, and what better example to look at than a guy who's not only tearing up the NBA, but also helped end Louisville's season two years ago in a stunning upset in the Round of 64.
Before Monday night's title game, Siva confided that Behanan approached him and said "Thank you." Siva responded with "What?" and Behanan simply repeated, "Thank you."
Louisville fans will spend the foreseeable future saying the same to Behanan, as his resourcefulness and physical domination of Michigan in the second half was a major factor in the Cardinals' victory. Behanan had a double-double in the second stanza alone with 11 points and 11 rebounds, including seven on the offensive glass.
"Going into the game, we knew we had to have a lot out of Chane, because they don't have a typical [power forward]," Louisville assistant coach Kevin Keatts said in the winning locker room. "They play kind of a three at the four. We felt like we could win that battle if Chane would score inside and [his] rebounding."
Less talk and more action is a refreshing change for a player who spent the first year of his career courting controversy with his mouth and behavior. In December 2011, he declared that Louisville was going to go undefeated, "point blank, period." He followed that up during the NCAA tournament with a somewhat misconstrued statement that if Louisville got to the Final Four, "it's a piece of cake from there."
After some unspecified "summer incidents" that forced head coach Rick Pitino to put him on notice this past summer, Behanan (along with Kevin Ware) was suspended for Louisville's exhibition game against University of Pikeville and was banned from speaking to the media for the first semester this season.
Perhaps that series of indiscretions helps explain Behanan's understated media performances this weekend. During Saturday's breakout sessions, Behanan was asked about his matchup with Glenn Robinson III and mostly demurred, saying that anyone who gets to this point of the season is a good player. When it was suggested that his more sizable stature could be a major point of emphasis for a Cardinals team that struggled to score on Saturday, he got a bit more specific, but just barely.
"In my mind, I'll attack the game like that: Aggressively," Behanan said. "Scoring and rebounding, doing everything I could to help the team win, defensively as well. Like I said, we'll have to see tomorrow."
Keatts noted that Behanan's defense was a big key in Monday's win over the Wolverines, as the way Louisville was handling ball screens sometimes left Behanan defending guards in space. He moved his feet well and didn't let Michigan's perimeter players exploit the matchup. And after a quiet first half in which mostly everyone on the floor was watching Luke Hancock match Spike Albrecht three-ball for three-ball, Behanan then got busy against a younger, tiring and foul-plagued Michigan frontcourt.
He scored nine points during a 5.5 minute span in which Louisville went from trailing by one to up by five with 12:47 remaining. His layup after a steal by Wayne Blackshear gave Louisville the lead and they would never trail in the game again. Later on, with the Cardinals up by eight, Behanan had consecutive possessions on which he had back-to-back offensive rebounds. He missed several follows in that sequence, prompting Siva to later playfully accuse him of "padding his stats," but punctuated the effort with a final putback that made it 78-70 with 1:50 left, leaving the Cardinals to close things out.
After the game, his earlier tough-love strategy perhaps validated on the game's biggest stage, Pitino said that Behanan's suspension was simply a case of needing to grow up. Now he, and the rest of the Cardinals, are national champions. There's no more concern about mouthy quotes and youthful indiscretions, only effusive praise for a kid who spoke loudly solely with his effort and his results.
"When the chips are down, things don't go well, that young man rises to a new level," Pitino said about Behanan. "There's no question, when I looked at him today, he shook my hand and said, 'Don't worry about me, I'll bring it tonight.' He always rises in big games. … He was a monster tonight."


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Terrakion is a staple for many teams with its high Attack and Speed. However, having several weaknesses to some of the most common attacking types in VGC leaves it with several challenges to overcome. However, with the right support behind its nearly unresisted STAB combination, Terrakion will be a deadly foe to take on for the opponent.
This is a set built to be used with Tailwind support, and deal damage right off the bat. Close Combat and Rock Slide are Terrakion's dual STAB attacks, which are only resisted by Golurk in VGC 2011. Quick Attack finishes off weakened foes. Protect can be used to stall out Trick Room or avoid taking an attack while Terrakion's partner attacks and KOes a threat. Quick Guard stops priority attacks such as Fake Out and Mach Punch, which can help Terrakion stay alive and allow a partner to set up Tailwind or boost Terrakion's attack with Beat Up. Safeguard blocks Spore from one of the most common Pokemon in the metagame, Amoonguss.Team Options & Additional Comments >>>
Close Combat and Rock Slide are used once again for dual STABs, with the last two moves for coverage. Earthquake can be used if you don't like being locked into Quick Attack, but Quick Attack is a good option in the late-game. X-Scissor can deal heavy damage to Musharna and Reuniclus. Sacred Sword is an option here if the drop to Terrakion's defenses each time it uses Close Combat is worrisome, but this set is more about power and Speed than longevity.Team Options & Additional Comments >>>
Other Options
Sacred Sword is an option here if the drop to Terrakion's defenses each time it uses Close Combat is worrisome. Sacred Sword also ignores defensive boosts, so Pokemon setting up with Bulk Up will take the full force of the blow. Generally, Close Combat is preferred because of its much superior power. Stone Edge could always be used over Rock Slide, but it misses more frequently and only hits one foe. If Conkeldurr is specifically a major concern Chople Berry can be used. X-Scissor is an option to deal super effective damage to Psychic-types such as Reuniclus, but it won't usually OHKO, and Terrakion will get OHKOed by Psychic in return. Safeguard could be useful when Terrakion is a lead, keeping Amoonguss and its 100% accurate Spore at bay. Helping Hand, while somewhat of a novelty on Terrakion, lets Terrakion boost its partner's attack.
Checks and Counters
Jellicent stops Terrakion in its tracks, as, without a boost, Terrakion is unable to hurt it significantly with Rock Slide. Golurk resists both of Terrakion's STAB attacks, and can hit back hard with STAB Earthquake. Strong Fighting-type Pokemon such as Conkeldurr and Chople Berry Scrafty can take a hit and KO back. Anything with Earthquake that can outspeed Terrakion can usually take it down. If Trick Room is in effect, Musharna or Reuniclus can outspeed Terrakion and OHKO with STAB Psychic. Terrakion can't hurt Amoonguss, while Amoonguss can take a Rock Slide, put Terrakion to sleep with Spore, and then follow up with Giga Drain.


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Above: A class at UIS with many international students. What a great way to broaden students' global understanding.
Make a Difference for International Students
Thank you for your interest in giving to scholarship funds for international students. When you give to an international student, you are enhancing the cultural life on campus and broadening the global horizon of our students.
If you want to add your gift to one of the scholarships below, you can give safely online or by mail to our office.
Gerlinde Coates International Student Grant
Gerlinde Coates served as advisor to international students during the earlier days of UIS, when it was called Sangamon State. According to students of the time, she was tremendously helpful as students made the adjustment to living in the States. Through this scholarship, her service to UIS students continues.
The scholarship is awarded to a full-time, international student with temporary visa who displays exceptional commitment to the advancement of international/cross-cultural education at UIS and must actively supports the goals and activities of UIS international students.
You can give any amount to this fund, and your gift will increase the value of the scholarship.
Adarsh Kumar International Student Scholarship
Dr. Adarsh Kumar is a dermatologist originally from India. He completed a residency at Rush Medical Center in Chicago (then Rush-Presbyterian St. Luke's Medical Center), and he has been practicing in Springfield since 1973. With a strong desire to donate for a good cause, Dr. Kumar has been providing scholarships for international students at UIS since 1998. The recipient must be a student who has exceptional academic achievement who is studying in the United States on a temporary visa. Of note: Dr. Kumar also funds research awards to the institution from which he earned his medical degree in India, the All India Institute of Medical Sciences.
We welcome your inquiries. Please use the contact information below.


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In The Media
- (NBC News) Review of the New Tape Released by Al Qaeda
- April 19, 2014
Alex Witt talks to NBC Terrorism Analyst Evan Kohlmann about the new Al Qaeda tape that showcases their Number 2 and questions why they would release it now.
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The internet is massive with an overwhelming amount of data, and often times those in charge of security simply don't know where to begin in tracking potential threats. To combat information overload, Flashpoint employs a holistic approach to analyzing the Dark Web by leveraging its world-class subject matter expertise on illicit actors combined with state-of-the-art data gathering and analytics. The result is a treasure trove of searchable, structured data that has already separated the wheat from the chaff where every data point is of high value and relevance.


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Service Update: SpectrumCOLOR and rainbowCOLOR are up againAugust 27, 2007
SpectrumCOLOR and rainbowCOLOR are both up and running again. There are some quality issues that are being addressed and will be rectified as soon as possible.
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User Reviews & Ratings - metolazone Oral
Read user comments about the side effects, benefits, and effectiveness of metolazone Oral.
Overall User Ratings25 Total User Reviews
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Reviewer: 55-64 Female on Treatment for less than 1 month (Patient)
Ease of Use
I was given this med due to swelling in legs and cramps at nigt.
found this review helpful.
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Reviewer: The Doc, 35-44 Male on Treatment for 1 to less than 2 years (Patient)
Ease of Use
I take this along with Bumetanide and it works fantastic! Metolazone could get water out of a rock. I do however have much lower potassium from taking this, so if you are thinking of taking it make sure to to have your Dr. check your levels regularly, I take 800MG of an OTC Potassium Chloride (make sure it's Potassium chloride as other types of potassium will not be enough to make a difference ... Show Full Comment
found this review helpful.
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Reviewer: Pam9427, 55-64 Female on Treatment for less than 1 month (Patient)
Ease of Use
I went to my MD because I had 2+ pitting edema in my lower legs. He instructed me to take it every other day. Day 1 NO increase in urination Edema up to 3+. My ankles now hurt due to the edema.
found this review helpful.
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Reviewer: inkey, 65-74 Female on Treatment for 1 to 6 months (Patient)
Ease of Use
the medication appears to be working yet there seem to be a lot of side effect tomeney for it to be safe for long tern use.
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Reviewer: ruby, 65-74 Female on Treatment for 1 to 6 months (Caregiver)
Ease of Use
this pill has a letter 'M' and the #645 on one side of the pill and blank on the other side and suppose to be for depression and my daughter doesn't know if it is the right pill
found this review helpful.
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Although some may disagree, Wall Street does serve some productive purpose in the United States economy. Although the purpose of many financial institutions is becoming less clear, and they are certainly not doing God's work—as the CEO of Goldman Sachs Lloyd Blankfein argues—they are needed. They invest. They innovate. They provide small businesses with the opportunity to grow and employ more Americans. We often lose sight of this. However, in recent years, so has Wall Street. Banking is not what it used to be. Since the repeal of certain provisions of the Glass-Steagall Act in 1999 that allowed financial institutions to act as commercial banks, insurance companies, and investment banks, banking has evolved into a complex game with the players seeking to maximize profit in whatever way possible. They no longer seek to produce something—directly or indirectly—just gamble and profit. And, this attitude has led to the decay of Wall Street and the rest of the world economy. Any reform must focus on transitioning banking back to basics.
When consumers deposit money into a bank, they expect it to be used for ordinary bank operations—but not speculative activity. They need assurance that it's safe. In response to the plummet in consumer confidence and threat of bank runs in the Great Depression, the federal government passed a host of financial reform measures to achieve two somewhat similar ends: restore confidence and prevent another disaster from happening. One such measure was the creation of the Federal Deposit Insurance Corporation, which, at the time, insured deposits up to $5,000—that number has since become $250,000 as of 2008 and is a vital safety net for depositors. In addition, as a part of the New Deal legislation, the Securities and Exchange Commission was created in order to provide greater transparency and information to prospective investors. In 2010, we find ourselves in a similar situation—blind to the $600 trillion derivatives sector of the economy and distrustful of Wall Street. Washington aims to rebuild and to prevent future crashes by restoring confidence and increasing transparency. However, at the same time, Wall Street continues to engage in risky behavior behind closed doors that threatens others' well-being.
One of the hotly contested provisions of the current financial reform bill has been the Volcker Rule, named after former Federal Reserve Chairman Paul Volcker. Endorsed by President Obama, the plan essentially seeks to repeal the repeal of Glass-Steagall and separate commercial banking functions from investment banking. In other words, a bank cannot use its own money to invest in stocks, bonds, derivatives, and it may not own or act as a hedge fund. The purpose of this proposal would be to limit the speculative activity that played a large role in worsening the financial crisis of this decade. In a letter to the Wall Street Journal in support of the Volcker Rule, five former U.S. Treasury Secretaries who have served both Republican and Democrat Presidents wrote that restricting proprietary trading is a "key element in protecting our financial system and will assure that banks will give priority to their essential lending and depository responsibilities."
As the current Senate bill in the Banking Committee stands, the Volcker Rule is included. In essence, this plan is at the heart of any legitimate reform that intends to restore banking to boring yet safe basics. The risk a financial institution takes on needs to be lessened. Nevertheless, it will be subject to bitter partisan politics that somehow twists financial reform as anti-American and pro-Wall Street. Banks cannot be allowed to gamble with depositor's money. Not only do they gamble but also their losses are shared by the American public. The heads-we-win, tails-you-lose attitude in Wall Street needs to be reversed. There is a conflict of interest when Goldman Sachs can profit when their clients lose billions of dollars. However, the actual conflicting proprietary trading is perfectly legal and common under the current rules. What Goldman Sachs failed to do was disclose whether John Paulson—the person who picked the investments for the CDO in question—stood to benefit from its failure.
To accompany Senator Dodd's version of the financial reform bill, Senator Blanche Lincoln's derivatives bill in the Senate Agricultural Committee works towards a similar end to restore banking to basics by requiring derivative trading to take place on an open exchange and denying FDIC coverage of deposits by banks that trade these exotic securities. Derivatives—which essentially are bets on the price of something—can serve some purpose to hedge against risk, however. For example, farmers depend on futures to ensure stability in crop prices. But, derivatives comprise $600 trillion dollars of the US economy, and their trading is largely done behind closed doors. Often times, they represent an unnecessary gamble that serves no purpose to the rest of society. These need to be regulated.
High finance is a messy and a widely misunderstood industry. Its function in the world economy has become so incredibly complicated that regulators fail to understand what is destructive and what is beneficial for the rest of the country. Despite what some religious teachings may say, earning interest and common banking is now traditionally accepted by society and needed. However, gambling with the economy and spreading losses to people who had no part in the investment are simply unacceptable.
Comments » 2
- April 27, 2010
- 2:13 p.m.
- Suggest removal
- Reply to this post
oazami writes:
For the sake of simplicity, I didn't discuss the role of rating agencies or the "bailout" provisions, which are all essential aspects of reform that could certainly be debated.
Nevertheless, the far greater issue is the disturbing conflicts and deviation from the traditional role of commercial banks.
- April 29, 2010
- 9:01 a.m.
- Suggest removal
- Reply to this post
mycophile2 writes:
Rating agencies deserve their own blog entry. They let us all down for a buck.
Want to participate in the conversation? Become a subscriber today. Subscribers can read and comment on any story, anytime. Non-subscribers will only be able to view comments on select stories.


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McCarron, a Mobile native, will get behind the wheel of a special Ford Mustang GT, the race's official pace car, and will lead the field of 43 cars around Talladega's 33-degree banking before the start of the race.
"I have enjoyed races at Talladega before and have always had a passion to get up to speed on the track," the two-time national champion quarterback said. "This is an incredible opportunity, and to be able to do it in front of the most famous drivers in the world, is something I am really looking forward to."
Prior to the start of the annual A-Day spring game on April 21, McCarron and his teammates saw an unveiling of a special Alabama National Championship paint scheme of Michael Waltrip's No. 55 Aaron's Toyota, which will race in the Aaron's 499.
"AJ has had such amazing success at Alabama, and that is known all over the country," Talladega Superspeedway chairman Grant Lynch said. "We know the drivers and fans are going to be excited to have him here for the Aaron's 499.
"I'm sure, as soon as the crowd sees him in our Ford Mustang GT Pace Car, there's going to be a lot of noise made."
McCarron has quarterbacked the Crimson Tide to two consecutive Bowl Chamnpionship Series titles. Alabama is the only school to win consecutive BCS titles.
McCarron amassed a combined passer rating of 158.2 in those two BCS championship games. Since the 1950's, only three other QB's have won two straight national titles.
McCarron led the nation in passing efficiency in 2012, completing 67.2 percent of his passes for 2,933 yards and a school-record 30 touchdown passes, with three interceptions. Over the last two years, he has thrown 46 touchdown passes and eight interceptions.


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Frequently Asked Questions
Please review all the questions before contacting us.
- What kind of applicants is IHS looking for?
- May non-US-citizens apply?
- Where would I intern?
- Do I need a car?
- Does the program include housing?
- Does IHS pay for travel to and from the internship?
- Can I be enrolled in a full or part-time course load during the internship?
- What if I've already secured an internship and I'm just applying to IHS for funding?
What kind of applicants is IHS looking for?
IHS seeks young journalists with a demonstrated commitment to free markets and individual liberty who want to gain valuable experience toward a professional journalism career. Most program interns are juniors or seniors in their undergraduate studies, graduate students, and recent graduates. Many have done reporting for a school newspaper and demonstrated a clear interest in a journalism career.
The program is open to students and recent graduates of all nationalities. However, almost all internships are in the U.S., and American media outlets require all candidates to speak and write English fluently. In addition, candidates must meet all visa requirements. While we do not discourage applications for non-US-citizens, the number of non-US-citizens selected is minimal, for the reasons above and due to visa and travel costs. Past international journalism interns have come solely from Canada and the United Kingdom.
IHS places interns based on the needs of host firms and an intern's preferences and experience, to arrange the best possible summer experience. In your application, you can list your top three internship choices and your areas of interest: features, hard news, opinion, etc.
Most newspaper reporting internships require interns to use their own car. At some locations, such as Washington DC, New York City, and Philadelphia, public transportation is available. At other locations, a car is required for covering stories and reporting the news.
Does the program include housing?
Interns are responsible for arranging and paying for their own housing at the internship site. Some host firms will help locate suitable housing.
Does IHS pay for travel to and from the internship?
The program covers the cost of discount coach airfares for roundtrip travel to the internship site. IHS will work with interns to arrange these discount coach airfares. Interns who wish to drive to the internship locations are reimbursed at 45 cents per mile up to the cost of the lowest coach airfare.
Can I be enrolled in a full or part-time course load during the internship?
No. IHS internships are a full-time commitment, and you must be able to work forty hours per week or more throughout your internship. Students may apply to obtain course credit from their academic institutions for the time spent at their internship.
What if I've already secured an internship and I'm just applying to IHS for funding?
Interns are welcome to independently seek an internship and then apply to IHS for funding. If you already secured an internship placement prior to applying to IHS, you can note this on your application.
Most major media networks require interns to receive college credit for the internship.To intern at major media networks, you must apply directly to both their programs and our program.
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Justine Paige
I graduated in 2009 with degrees in Biology and Broadcast Communications, got a job at Entercom, and haven't looked back since. I love moustaches, roller derby, robots, books, cats, eclectic furniture and laughing. Lots of laughing.
T.I.L.T: Music is the spice of life
by Justine Paige
posted Sep 15 2011 5:31PM
I remember when I was a kid how much I loved Tuesdays.
They always meant new
, new
, just something
new to obsess over
(not really, but you know what I mean).
And while the internet has taken away the anticipation of waiting to hear an artists' new music, nothing beats getting your hands on new music.
And of course one of the most anticipated albums to be released this past Tuesday, also happens to be one that I'm currently obsessed with.
You guessed it, Lady Antebellum.
I mean really...this trio can do no wrong.
I'm kicking myself now, because I had the chance to see them when they performed at Brockport College for the Polar Plunge winners a few years back.
It was a rebellious period in my life, and I was not going to do what everyone else was doing.
Clearly, that was a bad decision this time.
Oh well...moving on.
The album is amazing, but the stand out to song to me was so beautifully unexpected.
But, rather than continue to feed you my opinions, I'll let you decide if you like the album yourself.
What new music or movies have you been looking forward to coming out?
P.S.: Don't forget that you can still submit your video for the "Sing Like Lady Antebellum" contest and you could follow the band on tour for a few days!
Enter your video or go vote on the submitted videos
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Arremon aurantiirostris (orange-billed sparrow)
A small flock of Orange-billed Sparrows (Arremon aurantiirostris) invade the very temporary quiet at La Selva - 11/98.
Douglas Von Gausig (recordist; copyright holder), Naturesongs.com
This work is licensed under a Creative Commons Attribution-Noncommercial-Share Alike 3.0 Unported License.
To cite this page: Myers, P., R. Espinosa, C. S. Parr, T. Jones, G. S. Hammond, and T. A. Dewey. 2014. The Animal Diversity Web (online). Accessed at http://animaldiversity.org.
Disclaimer: The Animal Diversity Web is an educational resource written largely by and for college students. ADW doesn't cover all species in the world, nor does it include all the latest scientific information about organisms we describe. Though we edit our accounts for accuracy, we cannot guarantee all information in those accounts. While ADW staff and contributors provide references to books and websites that we believe are reputable, we cannot necessarily endorse the contents of references beyond our control.
This material is based upon work supported by the National Science Foundation under Grants DUE-0633095 and DRL-0628151.
The ADW Team gratefully acknowledges their support.


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Boho is not just for hazy summer days. Team winter florals and abstract prints with ankle boots and faux fur like Natasha from So On Trend.
†If you order online before 3pm Sunday to Friday, your order will be ready for collection from 4pm the next day. Excludes uniform embroidery.


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Annual Rocky Point PTA Holiday Boutique
When/Where: Saturday, 9 a.m. at Rocky Point Middle School.
What: The PTA's 2012 Holiday Boutique will feature a Cookie Walk, Santa Pictures, Scholastic Book Fair, raffles, entertainment, vendors and more. Kick off the holiday season this Saturday.
Live Music at Crazy Beans
When/Where: 8 p.m. Saturday at Crazy Beans.
What: Acoustic Downtime performs live at Crazy Beans in Miller Place. Free admission and food and drinks will be available for purchase.
'Drop and Shop' at Little Leaders Learning Center
When/Where: 12 p.m. Saturday and Sunday at Little Leaders,
176 N Country Rd, Mount Sinai.
What: If you need to take some time and shop, or clean, or just relax without the kids this holiday season, Little Leaders in Mt. Sinai is offering a safe and supervised environment to drop off your kids.
Friends and Family Night at Port Jeff Sports
When/Where: Saturday, 6 p.m. at Port Jeff Sports, 1395 Route 112 Port Jeff Station.
What: Port Jeff Sports is celebrating over 40 years of business with raffles, door prizes, sports trivia, discounts and more. Santa might even stop by for a visit. Must bring attached flyer with you for discounts.
Give The Gift of Life Bone Marrow Drive
When/Where: 10 a.m., Sunday at 25 Crystal Brook Hollow Rd, Mount Sinai.
What: Support Jesse Pallas and all those in need of a bone marrow transplant by getting swabbed Sunday at the Port Jeff Volunteer Ambulance Company.
Postman Pete
When/Where: 12:30 p.m., Sunday at the William Miller House.
What: Children get their prewritten letter to Santa stamped for delivery by Postman Pete for delivery to the North Pole (pre-registration was required). Families can come enjoy refreshments in the historic 1720 Wm. Miller House and sing along with Miller Place High School choral group.


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Old Market Business District, Omaha, Nebraska |
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THE OLD MARKET is Omaha's most historic, most entertaining neighborhood. The cobblestone streets are home to a diverse mix of shopping, galleries, restaurants, taverns and people-watching.
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Open Saturday and Sunday!
Take a look at the one of a kind jLofts condos this Saturday and Sunday from 1pm-3pm. With several different floor plans and price ranges you are sure to find something to meet your needs. Choose one of our finished units or pick your own finishes with a unit that is ready for your custom selections. For more information on jLofts or to see all of the condos, lofts, town homes, and villas for sale in Omaha go towww.condolivingomaha.com. To schedule your personal tour call Steve at (402)215-7118
Meet Marvin, Licensed Massage Therapist!
Get to know Marvin, Curb Appeal Licensed Massage Therapist! Book your appointment with Marvin by calling 402-345-0404. Why Curb Appeal? 'Cause it's a great place to work, and my sister works here! I like the relaxed, professional atmosphere. I'm a laid-back person, so that makes it a good fit. Color of Your Aura? I've had it read before, but I don't remember the details. I want to say yellow. Signature Massage Style? I like classic Swedish, which is more of a relaxing touch than a therapeutic or deep tissue massage. Relaxation Tip? Breathe! It helps you center yourself and balance your chi. What Makes You Urban, Edgy? I live it. I live here and love things downtown. Favorite Hobby? Working out. Body sculpting. Favorite Cause? Just in general I like to help people and make them smile.
Three Artists Share Personal Visions
For the month of May, three unique artistic visions will reveal a fine art exhibit. Artists Duane Adams, Judith Anthony Johnston, and Richard Markoff are the featured artists in a show that runs April 29 through May 31, 2014. They will host an opening celebration during Omaha First Fridays at the Artists' Cooperative Fine Art Gallery, 405 S. 11th St., from 6 p.m. to 9 p.m. Friday, May 2, 2014. "Time Capsules" describes the current work of Griswold, Iowa artist, Duane Adams. He will show twelve new paintings that capture brief moments of people frozen in time. For his seasoned background as teaching art history, Adams refers to subjects that are tied to great masterpieces of the past. "Some paintings are very naturalistic while others are imagined or surreal," states Adams "but I distort, rearrange, and provide an opportunity to remember who preceded us." Omaha, Nebraska artist Judith Anthony Johnston uses mixed media including charcoal, wax, and oils. Her vision is to express the inner self with the prepared medium onto a waiting surface. Judith explains, "The empty canvas is the most powerful tool. As I begin to shape figures with tone and color, feelings and emotions begin to develop. Some are serious, some joyous, each searching, always questioning." Each viewer is free to contemplate meaning they find in this newest body of Johnston's work titled, "Searching for the Abstract Soul." Honoring art fundamentals are forever essential for Papillion, Nebraska artist Richard Markoff. He recalibrates for change through the act of painting in a series. Through the progress of his paintings, challenges are overcome as he refocuses his technical approach. "After completing ten or more paintings, I am challenged to invent unique ways to use technique, color, and art elements of design," says Markoff "One must evolve or evaporate." The Artists' Co-op has been showing the work of respected regional artists for nearly 40 years. This cooperative group of artists conducts educational and cultural outreach activities, and it maintains and staffs a gallery that features works in a wide variety of media, including sculpture, weaving, painting, pottery, photography, printmaking, and drawing. Monthly opening receptions provide opportunities to meet member artists and learn more about their work.
1208 Howard Street #7 Condo For Sale!
Beautiful loft in the heart of the historic Old Market. Close to entertainment, restaurants, and shopping. Unit has recently been updated with many big ticket items like a new A/C, furnace, and roof in the last year. Large open living areas with huge skylight and rooftop deck is great for entertaining. This is a rare find and a great opportunity. 1 bedroom 2 bath 2084 sq ft Call Sandi TODAY! 402-504-7477
Visions of Lewis & Clark (exhibit)
Visions of Lewis & Clark is a unique historical art exhibit consisting of thrity kites commemorating Lewis and Clark's Corps of Discovery expedition. Throughout the summer, these kites will be on view at particpating locations throughout the metro area including KANEKO, the Joslyn Art Museum, and Lauritzen Gardens among others. Commissioned from America's most renowned kite builders, imagery for these kites is informed by the explorers' journal notes on the people and natural resouces encountered on their journey, as well as members of their party who traveled with them.
2014 OPS Faculty Art Show at Hotshops Art Center, ...
Come join us for a delightful evening of art & refreshments at this year's 'Artist to Teacher to Artist', Omaha Public Schools 2014 Faculty Art Show at the Nicholas Street Gallery, Hot Shops Art Center, 1301 Nicholas St. Opening Reception is Saturday, 5 April, 6 pm to 9 pm. Gallery Hours: 5 April - 27 April, Monday - Friday, 9am to 6 pm, and Weekends, 11am to 5pm. Also at Hot Shops, featured in the 13th Street Gallery with the Opening Reception Saturday, 5 April is the works of James Freeman, Tom Swanson, Jeff Yoachim, and Paula Yoachim.
Half Price Bottled Wine all day every Tuesday
Half price on any of our bottles of wine from our Wine Spectator Award winning wine list!
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A Troubleshooting Guide for Creative Difficulties
Julia Cameron - Author
This newly revised and cleverly repackaged edition of Julia Cameron's classic Artist's Way Workbook shows readers how to cope with the real nitty-gritty of being a successful artist. With a new introduction and additional exercises aimed at identifying and managing the Archetypal figures that all artists must confront, Supplies offers powerful tools for overcoming artistic problems and obstacles. A quirky and brilliant roadmap for fulfilling your creative destiny against all odds, this is a must-have for any aspiring or working artist.
The Arrow of Desire
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Want your photo to have a Picasso-like manipulation? There's an app for that. Don't feel like waiting weeks to properly frame and hang an image in order to share it with the masses? Bring the art to everyone, and post to Facebook or Instagram for the perfect of-the-moment response.
But for Helen DeRamus, who has expressed herself through a mix of painting, sculpture and photography for four decades, getting there has been — and always will be — half the fun. And the 70-year-old artist and instructor is always working to perfect her craft.
"I feel like my painting right now is better than it's ever been," DeRamus said. "That's another drive, is to find that perfect painting."
The Atlanta-based DeRamus is showcasing 20 images from her ongoing series of landscape encaustic paintings, drawings and monotypes in a new show opening at JSU on Thursday titled The Deep Song. The ancient process of encaustic painting involves melting damar resin and beeswax and adding color to make an image.
"You use a torch for a heat gun in order to melt each of the layers into one another," said DeRamus of the carefully-detailed form. "The process — it's mesmerizing. You're not dealing with a lot of toxicity. I think of it as being more like sculpture than I do painting, because it's very tactile, and you can actually touch it."
The collection of landscape paintings that DeRamus has assembled for the exhibition are part of an ongoing series she has been working on for several years.
"It has more to do with the layering of the images so that you are looking into the past as well as looking toward the future," she said. "I think of them as being passages in my life that I am discovering, and I want to communicate those to the people who are actually viewing the work."
DeRamus has never considered herself a "Southern" artist, until now.
"That is the landscape that means the most to me, that I connect with," she said.
Her affair with artistry began as a child, when she would spend time watching the process of her father, an amateur painter and photographer.
"I think that that inspiration — I knew probably around 7 years old or so that that's what I wanted to do," she said. Once she began studying art history at Emory University, however, DeRamus put her passion on the back burner, thinking she might be an art historian instead. "I didn't think I was going to be actually a studio artist. But once I touched oil paint, that was it."
DeRamus finds much of her inspiration in family and music. Her mother was a singer, said DeRamus, and her husband and stepson are both bass musicians.
"It's exciting when we all get together at the holidays, believe me," she said. She also reads a lot of poetry, and was particularly inspired by the rhythm of the words of Spanish poet Federico Garcia Lorca for The Deep Song.
"I'm looking for rhythm, usually, when I start to paint. I sort of disconnect from everything and then start to make marks on the board, and it's the rhythm of the written word. And it's also the rhythm of the music that I usually have playing in my studio that actually starts to form the images," she said, citing the "very rhythmic" music of composers Philip Glass and John Adams in what helped her create this series.
DeRamus has heavily embraced technology to communicate her work. The blogger and regular-user of Twitter and Pinterest said she believes that maintaining an Internet presence is very important. "It's a good way for me to communicate with my students, communicate with collectors, with my gallery, with the general public."
Next, her sights are set on trying her hand at video recordings, and possibly creating an installation using a camcorder. Ideally, she would like to begin another residency, having completed her first just a few years ago.
"That usually leads to a new series of some kind — I don't even know what it will be," she said. "I'm open to that."
But whether she's paid to paint or not, DeRamus has no plans to stop creating art. Her passion won't let her.
"When I get up in the morning, there isn't even a question of what I'm going to do. I feel like that I have more images that I need to express. I think that's the overarching passion is to produce these images. There are just so many — I don't know whether I'll ever find them all."
The Deep Song will be on display from Feb. 7-28 in the Hammond Art Gallery at Jacksonville State University. DeRamus will host an artist talk at the opening reception at 7 p.m. Thursday and an encaustic painting workshop Feb. 28-March 1. Those interested in the workshop should contact Jane Greene at 256-782-5626 for details.
Helen DeRamus online
Website: www.helenderamus.com
Blog: helenderamus.blogspot.com
Pinterest: pinterest.com/helen_deramus
Twitter: twitter.com/StudioDeR


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No single organizational initiative which warrants preparation, planning and strategy more than its decision to invest in a Business Intelligence (BI) Program. Here are 8 questions CEOs should ask before investing in BI.
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Data Summit is your guide to the future of data management and analysis and how it is transforming the business world as we know it today. IT practitioners and business stakeholders alike will benefit from an intensive, two-day immersion into the key technologies and strategies for becoming a data-driven business. Learn what works in the real world. Master the leading technologies and techniques. Connect with the best minds in the industry and plan your course forward.
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The advent of Big Data causes enterprises to rethink how they handle search, databases, analysis, and decision making. We've designed this year's Enterprise Search & Discovery conference with lots of room for interaction, panel discussions, and provocative talks. Whether your interests lie in upgrading existing platforms, cutting through the complexities of search technologies, designing your own discovery system, using search to enhance bsuiness intelligence, putting informaiton in the cloud, taming your Big Data, or analyzing and measuring your search effectiveness, we've got something for you!
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FOSE is the nation's premier event for government technology professionals seeking tools and best practices to equip their agency for the 21st century. From policy updates-straight from the hill-to exclusive insights from today's leading authorities, to the most comprehensive showcase of technology in action-it's all at FOSE.
For Expert Training in Managing Your Electronic Records, BE SURE TO ATTEND MER '14
The National Conference on Managing Electronic Records (MER) on May 19 ~ 21, 2014, with a full Day of Pre-Conference Tutorials on the 18th.The MER is the only conference exclusively focused on addressing the key operational, technical, and legal issues associated with the life-cycle management of electronic records. Register Now.
In the digital era, customer experience is what sets you apart. Gartner Customer 360 Summit 2014, 19 - 21 May in Orlando, FL, takes a holistic approach to help you craft an enterprise-wide customer experience vision and strategy. Spanning customer service, sales, marketing and leadership, and with a new track on advanced analytics, it's the one event that delivers the tools and insights to elevate the customer experience at every point of contact.Save $300 on the standard reg fee when you register with code GARTKMW at gartner.com/us/crm
As disruptive change rocks industries, C-suite executives are looking to program and portfolio managers to spearhead innovation, drive organizational change and make business strategy reality. Gartner PPM & IT Governance Summit 2014, 2 - 4 June in National Harbor, MD, delivers the information PPM leaders need to transition to this new role and acquire the skills to succeed. This year's event features eight targeted tracks covering the breadth of critical PPM priorities, including project risk, organizational change and resource management. From improving governance to reigning in legacy costs, it's a once-a-year opportunity to tackle business transformation armed with independent tools and insight trusted by leading enterprises the world over. Save $300 off the standard registration fee with code GARTKMW at gartner.com/us/ppm.
Fighting fraud while keeping on-line banking seamless and efficient are just a few of the key issues covered at this year's summit. You'll discover five programs covering IT security, risk management and compliance, BCM, the CISO and the marketplace for security, so you can validate your strategy against the full spectrum of security and risk initiatives. This year's summit also features a dedicated financial services forum. KMWorld members save $300 on the standard registration rate with priority code GARTKMW
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ExL Pharma presents: The Life Science Knowledge Management Summit taking place August 12-13, 2014 in Philadelphia, PA. Attendees in the pharmaceutical, biotechnology, and medical device industry with responsibilities in Knowledge Management, Clinical Information Management, Records Management, Biomedical Informatics and much more are welcome to attend this two day event. Expert speakers will explore strategies to increase senior management buy-in by demonstrating value-add, ROI and business continuity. Best practices to optimize find-ability and accessibility of information in digital repositories will also be discussed. Register by June 27, 2014 and use priority code C548KM to receive an early bird discount!
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KMWorld offers a wide-ranging program especially focused to meet the needs of executives and strategic business and technology decision makers. This is a must-attend for those concerned with improving their organization's bottom line, business processes and productivity, as well as streamlining operations and accelerating development and innovation in their evolving enterprises. Plus meet face-to-face with some of the top names in the industry when you visit the Enterprise Solutions Showcase!
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The Fees Game
Posted by Bureaucb on 03/13/2010
On Friday I had a total of $1,750 available in my account. On Saturday I used $1,570. That leave $180 left over. On Sunday I deposited through their ATM machine CASH (Key Word Here) for $1,100. On Sunday night I checked my account on line and it showed a $1,000 ATM Withdraw! On Monday I had $880 on online payments goint out. Monday morning I stopped by the bank to see what the $1,000 ATM withdraw was all about. The representative looked up my account and did not see this transaction. I showed him a copy of the online statement and he said that you can not withdraw $1,000 from an ATM at one time. I told him I could not use my ATM since it rejected a withdraw and said I had a negatitive balance. Again he went through all the transactions and could not find it. He stated my account was fine and that I had money available and to fill out a withdraw slip and he would get me the money, which I did. On Tuesday my account had been billed 9 Unavailable Funds Fees and 4 Overdraft fees. Again I stopped at the bank and another representative looked up my account. He could not explain why these fees were posted and stated he would talk to the division supervisor and would call me back with an answer. He later called back and said the supervisor would not remove the fees because the $1,000 was on hold (like a check). I sent an email to customer service and this is what they sent back to me....
Thank you for your recent email. Funds from cash deposits made at ATMs that we own or operate ("Sovereign Bank ATMs") prior to the cutoff time of 3 p. m, will be available on the next business day after the day of deposit for withdrawal. However, the cash deposit is available to pay debits on the account on the business day we receive the deposit.
What they had done is withdrew the entire $1,000 and held it until Tuesday and manually redeposited it into the account.
So, I guess the statement "However, the cash deposit is available to pay debits on the account on the business day we receive the deposit." only applies when they want it to. Either that or their great banking system software is flawed and can not distinguish between cash withdraws and paying bills so they just took it all out! Hmmm, makes you wonder how many other people they have done this to. Thank "Higher Power" that I made copies of all this now you see it now you don't transactions.
Needless to say, I have filed a complaint with the Better Business Bureau and the Banking Commision. I will not let this matter rest!
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Posted by yoke on 2010-03-13:
The CASH you deposited through the ATM on Saturday would not show up until the next business day which was Monday. Why would anyone put $1,000 in cash into an ATM.
Posted by Skye on 2010-03-13:
Their statement is correct:
So, I guess the statement "However, the cash deposit is available to pay debits on the account on the business day we receive the deposit." only applies when they want it to.
Business days are Monday through Friday.
Posted by Anonymous on 2010-03-13:
Weekends aren't business days.
Anything you do after cutover on Fridays, won't post to the account until Monday at midnight and be available Tuesday morning. That includes cash.
While cash *is* immediate... you can spend it (assuming merchants have cutover too), you can withdraw it from an ATM (assuming the ATM has cutover as well)... but, it won't cover anything posting that night... because, technically you made the deposit Monday (not Saturday, as it is not a business day).
Most banks don't service their own ATMs and most banks don't process the ATM deposits in the branch. They simply pull the envelopes and verify what's in the envelopes as to what it says was deposited; then send it off to the ATM department. And that's not done until the branch is open for business (not counting Saturdays).
Posted by bureaucb on 2010-03-13:
Granted, I understand that the monies are not posted until Monday. Since I had more than enough to coverage Saturdays ATM transactions already in the account and since the cash is deposited on the first business day which would have been Monday morning and is available for "Online payments" not cash withdraws. Then why all the fees?
Posted by CUFlipSide on 2010-03-13:
I think the issue is that the first posting is Monday night, not Monday morning, so the ATM deposit is not available until sometime during Monday night. If the CSR actually did the withdrawal, it was his bad. Go back and see him and ask him to straighten it out.
Posted by Soaring Consumer on 2010-03-13:
It appears to me based off of the review, what happened was that after the OP deposited cash, an ATM bug triggered a false indication of a withdrawal, so to set the record straight the bank processed it and then redeposited the funds, but since that action occurred after the cash cut-off time, the money had gone into limbo-land instead of straight back into the OP's account as expected. Since this resulted from a bank error the OP should not be responsible for the fees.
Posted by yoke on 2010-03-13:
No matter what the funds were not available until Monday evening/Tuesday morning. So even if the bank did not redeposit the funds until Tuesday the bank did nothing wrong. The funds were not available anyway. It is also possible that the bank held the deposit because it was a large cash deposit and needed to verify that cash was actually deposited.
Posted by PepperElf on 2010-03-13:
personally that's why i don't trust depositing at the ATM
Posted by spiderman2 on 2010-03-13:
I quit banking with Sovereign because it took them forever to clear any deposit I made. Didn't matter if it was a paryoll check or a personal check. I never paid them any fees though because I would always check my av available balance before I spent the deposit, but it was so frustrating!
Posted by bcd on 2010-03-13:
You needed cash on Monday, so why did you deposit cash at the ATM on Sunday? Were you attempting to cover the $880 in payments that you had previously authorized?
Posted by bureaucb on 2010-03-13:
Sunday afternoon I used the available cash to buy some things and on Monday I need money for a doctor visit. There was still an available balance from Friday's deposit. Yes, the $1,100 was to cover checks that I knew were due on Monday. According to Sovereign, the money for electronic checks are due on the day they set to be paid. If I had waited and went to the bank the first thing Monday morning and walked into the bank and made the deposit, none of this would be happening. My bad I guess for wanting to do the right thing and making sure there were funds available prior to the opening bell on Monday by putting it in on Sunday. I simply thought (oh there I go again, thinking) that they would just open the machine, get the envelope, open the envelope count the money and mark it as deposited. Silly me.
Posted by CrazyRedHead on 2010-03-15:
I will never deposit large sums of cash through the ATM. BOA takes pictures of each bill as it is put in and there is no need for a envelope anymore but if you are still using the envelope whats to say that there was any money in that envelope at all. I have heard some pretty crazy stories about ATM deposits.
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Sovereign Bank unethical inactivity fee
Posted by Sovereign Bank victim on 08/08/2011
NORTH ANDOVER, MASSACHUSETTS -- I opened a small business account at Sovereign Bank in 2009. The bank representative assured me that there will be no fees or charges on my account. I deposited $240 and waited for my debit card to deposit more. After two weeks of not receiving the card, I contacted Sovereign Bank to send me a new card. I haven't received the new card since, and couldn't deposit my checks through ATM. Recently, I received a letter from Sovereign bank that they charged $160 inactivity fee from my account. I visited the bank and explained the situation and told them they don't have a right to charge me without notice. The manager told me that I have agreed and signed to pay the inactive fees, however, I look into the issue more and found out that this new regulation of $16/month inactivity fee started in October, 2010. Therefore, I definitely haven't signed such an agreement and they definitely haven't send me any notice. They unfairly, unethically and even without a notice, charged me $160 from my account.
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Posted by At Your Service on 2011-08-08:
If I may suggest approaching this in a different way, I think I may help.
I wouldn't go in telling them that they CAN'T charge you inactivity fees. Instead approach it as a judge may. Tell them you had a different understanding, but WOULD BE WILLING TO ALLOW THE FEES TO STAND if they can show you signed documentation as to where you were notified of such fees. I'd put the request in writing and be polite, but direct. Give them a reasonable time to respond, then go in directly.
Ultimately, they will show you the SIGNED agreement or they won't.
Let us know how it turns out.
Posted by madconsumer on 2011-08-09:
when you first opened the account, you did agree to all their terms of service.
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Literally nickle and dime you to death!
Posted by Ohthurtywon9 on 07/20/2011
I have been with Sovereign Bank for over 7 years and one thing that has not changed is the way they charge fees for everything. Finally, I had enough! They just charged me $35.00 overdraft fee for. 69 cents. Keep in mind I have $200 in another account through the same bank. I signed up for overdraft protection and this still happen! I have other accounts with different banks and I never have a problem but Sovereign Bank has always given me a headache. Use this bank if you don't like your hard earned money.
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Posted by saj80 on 2011-07-20:
You state you signed up for overdraft protection; was it approved and activated, or is your limit maxed out? Have you tried to negotiate getting this fee removed, especially since you had funds in another account there? Did you link your accounts to cover overdrafts? If you can answer these questions it will be easier to provide feedback.
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Professional Bandits
Posted by Pnkelfntsonprade on 01/15/2011
HAGERSTOWN, MARYLAND -- I have banked with Sovereign for 10 years and am now at the end of my rope. Thursday I checked my balance and saw I was in the negative from my mortgage withdraw. I had no other money to take care of this. I was able to do some work for a friend and sell my hunting rifle at the pawn shop to get the $285. This would bring me out of the negative with some to spare. Deposited cash at 6:30 pm which is supposed to be in my account immediately. My receipt said +$17.55. Well I got up this morning and am $480 in the negative. Called customer service and was told that I deposited the money to late and there is nothing they will do. I will be closing my account as soon as it is out of the negative. Sovereign bank is run by professional bandits, they will charge you any chance they get. If you like your money you will take your business elsewhere.
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Posted by trmn8r on 2011-01-15:
I am not sure I understand your complaint. You checked your balance, and found it had gone negative due to you spending more money than you had in your account.
You deposited some cash, via some method, and assumed it would be posted immediately or by 12 midnight, to bring your account positive. Did the bank rep explain the procedure for crediting cash deposits, and why yours hasn't been fully credited yet?
Just because the slip reflects your deposit does not mean the funds are available.
Posted by yoke on 2011-01-15:
If you were $480 in the negative that would mean more debits/checks would have had to go threw, not just the mortgage.
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Worst Bank Ever
Posted by Orlin03 on 11/16/2010
This is officially the worst bank I have ever dealt with in my life. They will charge fees at any possible opportunity, even after details have been taken care of. Their customer service representatives appear to be hired specifically for their aptitude in rudeness, so speaking with anyone about issues will get you nowhere.
If you don't have an account with them yet, keep it that way; if you do, save yourself while you still can.
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Posted by trmn8r on 2010-11-16:
It would be helpful to know what fees you were charged and under what circumstances. All banks have fees, so it is impossible to know if the bank charged you improperly based on this complaint.
Posted by orlin03 on 2010-11-19:
There are too many for me to go over, but the latest two should suffice. A bill was posted to my account 3 days earlier than it should have been posted; the pending charge would have put my account in negative when it went through. I went in later that day and made a cash deposit to bring my account back up to an acceptable number. I also spoke with a representative concerning this matter, who assured me everything was taken care of. Two days later, when I went to deposit my check, I found they had decided to charge me two fees earlier that day- one for overdrawing my account, and another fee because the fee they just charged put me back over. This time, no one could help me. Let me reiterate: The bank waited 48hrs after CASH had been put in the account to charge me a fee, and then charged me a fee for their fee.
Yes, all banks have fees, but if you're still considering banking with Sovereign, I hope you enjoy paying someone to spend your money. I've banked with many other companies who pay their employees to courteously take care of matters like this, because at other banks, these two charges would have been seen as a mistake, not the standard.
Posted by Alain on 2010-11-19:
Everything should have been taken care of when you personally spoke to the bank's representative. It was not. I would make one more personal visit to close your account and go to another bank.
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They Are Thieves
Posted by Ninokinhas on 07/30/2010
I'm a Sovereign customer for 2 years. I had everything well in my account for 2 years. Until one day I had a fee problem. They charge me $35 dollars for each payment I did I that day. So, the total was $280. I didn't knew that I had insufficient money, and only in that day the rob me almost $300 and the payments I did were $100.
I tried to fix with my branch manager and nothing. Call the customer service, that is horrible. She just looked to my account and said that everything was legal and they couldn't help me.
Then I talked to the customer service manager who told me nothing could be done. And I told her, I was going to close my account and all my family because It wasn't anymore a money issue, it was about a "robot" bank that forgot that they have people behind that accounts. My money market had money and I had a clean record. So, if that don't mean nothing I don't want a bank like that.
Don't open a account. They are thieves and people that only see money. They don't care about their customer.
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Posted by spiderman2 on 2010-07-30:
I don't see how this is their fault, you spent money you didn't have. You admittedly had no idea how much money was in your account. When you spend more than you have, there are fees to incur. I have closed all my Sovereign accounts also, but I never paid an overdraft because I know how much money I have at al times.
Posted by yoke on 2010-07-30:
How could you not have known you did not have money in your account? Before you went to spend more money what did your check register say?
Posted by Anonymous on 2010-07-30:
Every bank out there will do the same thing. The banks aremmaking a nice profit on those who take out more money then they have in their account. You need to keep an accurate record of all your transaction and not take out more money then you have in your account.
Posted by Weedwhacked on 2010-07-30:
You overdrafted your account and that comes with fees. This was entirely your fault not the banks. Trying to "fix it" with the manager (getting the fees waived) never happens anymore.
Posted by Anonymous on 2010-07-30:
If I were you, I would contact soverign bank and tell them you want to opt out of the OD protection. Obama passed a law where the banks have to give you the option to discontinue the OD protection and fees.
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Shocking event some years back I can't get over
Posted by Brooklynyankee on 07/24/2010
PHILADELPHIA, PENNSYLVANIA -- This happened some years back. OMG. It was horrible. First the clerk yelps at me about not having a credit card. Then I get helped by a DIFFERENT bank clerk, who opens a checking account for me. I tell her I want to deposit money, the clerk tells me to deposit it at the ATM machine. Of course no one helped me with the deposit, I even asked customers behind me to help me and this is New England man they don't even look at me ( a bunch of foreigners ). OK, so obviously I wasn't used to depositing money through the ATM. There were no envelopes at the machine and I deposited all my money in to the machine. I went in to the clerk and explained what I did, because I wasn't really sure if I had done it right. And RIGHT ! I did it wrong ! They leaped to the machine and picked up my money. Thank God ! Then I noticed that I lost $ 200 on that machine and of course when I aksed for it, they claimed it wasn't their problem. A month or so after I go back to the bank for something and give the clerk my information. They had the wrong social security number !!! How the hell is that possible, y'know ? When they tried my social security number, it showed I was on Checksystems. Which Checksystems denied and I had proof. The female clerk started screaming and yelping and she was acting as if I was physically attacking her when in fact I was waiting for input about my checking account. She literally screamed throughout the bank for SECURITY !!!! AAAAHHHH!!!! And I was promptly escorted out of the bank. Facts are facts, thats it. I lost $ 200 and I was completely treated in a racist manner by people who should not be speaking English if you aks me. This was in Philadelphia, Pennsylvania, United States of America. If I had known about Better Business Bureau and the like, I would have yelped racism from here to Tokyo. There you have it. I hate Philadelphia, I was out big time.
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Posted by Anonymous on 2010-07-24:
If you just opened the account, how did you already have an ATM card?
Posted by Anonymous on 2010-07-24:
Exactly what I thought when I read that.
Posted by Anonymous on 2010-07-24:
Foreigners? Racism? I don't get it.
Posted by leet60 on 2010-07-24:
Doesn't seem the entire story is being told. If you end up on Checksystems it is for a reason.
As for the ATM card, my bank issued my ATM card in the branch and I picked my own PIN, so it is possible.
Posted by Anonymous on 2010-07-24:
Thanks, leet60. Every bank I opened up an account with, I had to wait to get an ATM card in the mail.
Posted by leet60 on 2010-07-24:
Guess it just depends on the Bank Dryad. Mine is a smaller bank catering mostly to the military.
Posted by Weedwhacked on 2010-07-24:
Where's the racism come in?
Posted by jktshff1 on 2010-07-25:
Hope you feel better.
Posted by PepperElf on 2010-07-25:
Bank employees normally don't just scream for security when dealing with calm peaceful customers.
Remember, they have video camera surveillance that can back them up - or prove them in the wrong. So for them to start screaming at calm people would... well it would be odd for someone to start doing that when it will be picked up on at least one camera.
As for racism, how do you know it's specifically about your race and not some other factor such as behavior etc?
Posted by madconsumer on 2010-07-25:
how many years past was this?
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Sovereign Sucks
Posted by JsmithPA103 on 06/16/2010
This company is out to make as much money of you as they can. I had a direct deposit pending and a check that I wrote. They appeared the same day in my account. Well I check the next day and I was charged a $35 overdraft fee because the check cleared before the direct deposit even though they appeared online at the same day. I call to talk to them about this issue and the woman had the nerve to ask me "Didn't you check your account before you wrote the check, and know that you didn't have enough?" I at that point was sick of their crap. I am switching banks. Sovereign is CRAP!
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Posted by yoke on 2010-06-16:
Since you wrote the check before the direct deposit went in what do you expect. You played the float game and lost.
Posted by CrazyRedHead on 2010-06-17:
When you do open another account at another bank and do the same thing, they are gonna suck to, cause this is gonna happen at any bank. Just because they show up at the same time online doesn't mean that they came in at the same time at the bank.
Posted by skelly39 on 2010-06-17:
When I banked at a bank, the direct deposit would show up the morning of the day it was to post. The checks that cleared from the night before would also show up and show as posted for the day before. So technically, the checks went in first, then the direct deposit.
Sometimes you can get away with writing a check the day before the deposit goes in, but as a rule, I wouldn't suggest doing it. You never know where the payee banks...
Posted by Weedwhacked on 2010-06-17:
Legally that's a fair question as all banks disclose that they can process transactions in any order they choose. You are at fault in this situation.
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"They charged $70 to use the Branch ATM and a for a slice of pizza"
Posted by Duglind on 03/16/2010
We have been with Sovereign since 2005, and it has been uneventful either positively or negatively. I have never personally or professionally written a bad check (still haven't), but my wife went to the branch ATM just before payday and withdrew $80. We did not have the money in the account, and Sovereign gave it to her, and made sure we had even less by tacking a $35 charge on. The same day, my wife spent $8.03 at Nick's Pizza and got the same $35 charge; $43 pizza must have been delicious.
I completely acknowledge that I am responsible for keeping a running balance on my account, but I am looking for a banking partner, not someone to frag me in the back when I do not pay attention. I do not know if I can stay a customer at Sovereign. I hope their customer conversion costs are less than the $70 they made from this fiasco because I think it is time for a new bank.
Next time, if it ever comes to that, my wife can go hungry for the afternoon. It is not the amount, but the principle. Does anyone now actually wonder how there was a banking crisis? Banks need to learn to say NO, even if it will short them hefty fees.
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Posted by Anonymous on 2010-03-16:
"but my wife went to the branch ATM just before payday and withdrew $80. We did not have the money in the account."
If you didn't have the money in the account... how were you able to withdraw it from your account? And through the ATM, no less...
"but I am looking for a banking partner, not someone to frag me in the back when I do not pay attention"
And that's when it bites ya in the booty. When you don't pay attention. If you're expecting a bank to be on your side and not slam you with the overdraft fees when you make a mistake... banks are not your friends.
Looks like, at the time, when the purchases were made and the withdrawal was done... there *was* money in the account. Because, if there wasn't, your wife wouldn't have been able to make a withdrawal directly from the ATM. But, the way things get posted; from highest to smallest... whatever posted to the account first drained it and therefore the withdrawal and the pizza bounced. It sucks when they do it like that.
You can't not pay attention. Banks aren't your friends.
" Banks need to learn to say NO"
That's the unfortunate. They don't say no. That's why they created overdraft fees.
Find yourself a nice credit union.
Posted by BEJ on 2010-03-16:
You admitted that your wife withdrew money that you did not have in your account. The bank did exactly as it had the right to do. No matter what bank or credit union you end up at--they will charge you fees for withdrawing money that you did not have.
Posted by clutzycook on 2010-03-16:
Seriously?? Seriously?? Why did your wife withdraw the money if the money wasn't there? Does she not have anything to do with the checkbook? I think your frustration should be directed at your wife for spending money you didn't have. I'm sure the bank fees (however outrageous) were spelled out for you when you signed up. Overdrafts are not a new thing.
Posted by Skye on 2010-03-16:
Sorry OP, but what do you think happens when you over draw on an account?? Your wife took out $80.00, which you say you didn't have. The bank did it's job, you don't really have a complaint. I don't understand why its so hard for some people, to understand the concepts of maintaining their bank accounts.
Posted by Anonymous on 2010-03-16:
Many banks allow ATM withdrawals even if the money isn't in the account the same as they authorize debit card transactions when the money isn't there. Why do they do this? In order to make exorbitant amounts of money on small short term loans.
In this case the bank made $70 dollars for a very short term loan of $88.03. The fact that so many people just accept this legal loan sharking without a second thought boggles the mind. Let me repeat what happened again. The bank loaned the OP $88.03 for a very short period of time and made $70 off that loan. That's just simply abusive by any reasonable standards.
duglind, Join the grass roots movement who are saying 'No' to the big banks by taking their business to community banks. You'll get far better terms, far better service and your business will be appreciated. Make the switch today. You'll be glad you did.
Posted by bargod on 2010-03-16:
I've never had to worry about overdrawing. If I try to take out more than I have whether through a store or ATM it will simply say "insufficient funds" I would try another bank and see if they have that option.
Posted by Anonymous on 2010-03-16:
See, that's where I'm confused. OP didn't have $80 bucks in the account and yet the wife was able to withdraw $80 bucks from the account... that wasn't in there in first place.
If I didn't have $80 bucks in my account and if I tried to take it out, my bank's ATM wouldn't let me because I don't have $80 bucks in my account.
Something's screwy. If Sovereign bank allows people to take money out of their account, that they don't have, and then dings them with an overdraft fee... that bank isn't any good.
Get out now while you still can.
Posted by Inat on 2010-03-16:
are you all insane? You bash a bank for someone overdrawing their account!? Banks do us a service -they provide a safe place and allow convenient withdrawal of cash form their ATMs, using THEIR network. The OD protection is what you are paying for when you pay the $35. Most banks are stopping this practice now and you must 'opt in' to have this 'service'. Imagine how much money the banks would lose...and how far in the negative peopel would be... if they jsut allowed people to withdrawal funds that are not there. And with no fee.
Posted by Anonymous on 2010-03-16:
Any bank is going to do that to you if you overdraw.
Posted by jktshff1 on 2010-03-16:
+10 Inat, however in a lot of cases, it's the method of posting that gets the consumer and that is the banks fault.
Posted by Inat on 2010-03-16:
As i've said before... the banks dont change post order to suit their whims. it is done the same way each and every time depending on specific bank 'rules'. Banks should not have to paternally protect us from spending money we dont have. . .
Posted by Skye on 2010-03-16:
First of all, we post our opinions, and this doesn't mean we are insane. I never bashed the bank, and do not see where anyone else has.
Turning on other posters isn't going to solve the fact the op's wife left the account overdrawn.
Posted by goduke on 2010-03-16:
You might want to ask sovereign if there is a way they can have the account not allow charges or withdrawals when the money isn't available. They might be able to take you out of the overdraft program.
Posted by Skye on 2010-03-16:
Goduke, excellent suggestion.
Posted by Anonymous on 2010-03-16:
"They might be able to take you out of the overdraft program."
Assuming the bank has that policy.
But, that's the thing with taking money out of your account via the ATM. The only way you can take funds out of your account, via the ATM, is if you actually have the funds. So, if the OP didn't have the funds, how did the money get taken out. Unless the OP had the money, at the time, but when everything posted that night (since most banks structure things highest to smallest); there was something higher that came out first thus overdrafting the ATM withdrawal.
Posted by Anonymous on 2010-03-16:
BKK, Many banks such as Sovereign allow you to overdraft your account via ATM withdrawal. That is if you have a zero balance you can still withdraw cash up to your overdraft limit from ATM machine. All most all national banks have the same policy although with the recent public pressure and the Fed Reserve regulations coming in July the policies are being refined.
I got this from the Sovereign bank website.
"What are the standard overdraft practices that come with my account?
Sovereign may currently authorize and pay overdrafts for the following types of transactions:
● ATM withdrawals and transfers ● One-time debit card transactions
● Automatic bill payments ● Online Banking payments and transfers
● Recurring debit card transactions ● Checks and other transactions made using your checking
account number
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and
pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
What will the standard overdraft practices be in the future?
As of July 1, 2010 for accounts opened on or after that date (August 15, 2010 for all accounts opened before
July 1), Sovereign will no longer authorize and pay overdrafts on the following types of transactions,
UNLESS you authorize us to do so by visiting a branch or calling us at 1-877-SOV-BANK:
● ATM withdrawals and transfers
● One-time debit card transactions"
Posted by Starlord on 2010-03-16:
You claim the bank charged $70 to use the ATM and for one slice of pizza. WRONG!!! They charged you for overdrawing your account, which they have every right to do. This should be a complaint about your wife, not the bank. The bank did absolutely nothing wrong. Didn't they just pass a new law that you must opt in if you want overdraft protection? If you opt out, you will be declined, then you'll really throw a hissy fit.
Posted by Anonymous on 2010-03-16:
"Didn't they just pass a new law that you must opt in if you want overdraft protection?"
Yes... but, it's one of those laws that it's going to take time for all banks to adopt this new policy... it's not instantaneous. But, the OP could ask his bank if they do this now or when they will. They should know when it's going to go into effect.
Posted by CUFlipSide on 2010-03-17:
When you withdraw at your own bank's ATM, they display a message to the effect "If you continue with this transaction you may incur a fee, do you want to continue?" Mrs OP pressed YES. The rest is history.
She is in good company, better than 80% agree to the fee and proceed when asked.
Posted by maxinebb on 2010-07-30:
Your wife withdrew $80.00 you both knew you didn't have and than she paid for a pizza (I am assuming with a debit card)from the now knowingly overdrawn account. And you want a bank that will let you slide when you are KNOWINGLY doing this????? If you find that bank, let us know!
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Terrible, Very Very Bad Experience With Checking Account And Customer Service
Posted by Rachel3785 on 01/17/2010
PROVIDENCE, RHODE ISLAND -- Sovereign Bank has very bad customer service and their "unavailable funds" fees are almost fraud except for a loop-hole.
They charged me almost $300 recently (for transactions that took place more than 2 weeks ago but didn't charge fines for until 3 days ago) through a loophole in the Check 21 law.
Essentially: I deposited 2 out of state checks a couple weeks ago. The $$$ showed up as an available balance on ATM receipts so I used my debit card and didn't think twice about it. 2 weeks later, my checking account is down by almost $300 -- why? They are allowed to arbitrarily hold an out-of-state check for up to 14 days without notice to an account holder (this is how an accountant friend explained it to me). So even though the $ from the out of state checks said available on my ATM receipts, really it "arbitrarily" wasn't -- and I got charged $300 in unavailable funds fees. When I complained --because for 2 weeks, every time I went to the ATM, it said FUNDS AVAILABLE -- Sovereign refused to refund any part of the fees. Their tellers and agents at the local branch in Providence I go to were rude and so were the agents on their 1-800 customer service line.
I have been told that Citizens Bank, their local competitor, rarely holds out-of-state checks, notifies customers when they do so, and will refund fees for a first time offense.
My accountant friend who explained the legal aspects of this to me said that after he reviewed Sovereign's over-draft and fees policies, they're one of the worst he's ever seen for personal banking.
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Posted by tnchuck100 on 2010-01-17:
That is a common bank practice to generate fee income. Any check you deposit can be held for a period of time but they will always show it as available the next day. The sad part is the scam works! They catch people all the time with it.
Posted by Anonymous on 2010-01-17:
The branch agents and 1-800 agents were probably not rude. They just couldn't override the fees and didn't refund you any money. I agree with tnchuck, its a legal scam.
Posted by PepperElf on 2010-01-17:
i never use atm receipts as a means to check my balance
Posted by NickL11354 on 2010-01-17:
They have a right to hold a check for 11 business days. In the funds availability disclosure, it says in 'certain cases we may hold funds for longer than timeframes stated generally no more than 11 business days'. It doesn't say what 'certain cases' means
Posted by tnchuck100 on 2010-01-17:
"certain cases" refers to a new account, an account with a bad history, or a payor with a poor history. However, that is not the issue here. The issue is the bank led the customer to believe the funds were available when, in fact, they were not.
Posted by Anonymous on 2010-01-17:
Chuck, you're really beginning to sound like a conspiracy theorist. It gets whackier each post. Banks, by law, have to have a Funds Availability Policy. It is published in every branch, you get a copy when you open the account,a nd you must be given a copy if you ask for one.
It details exactly how each check will be collected, and the circumstances in which they may extend the hold. And by the way, it is never 14 days. Assuming it is not a new account, there have to be some pretty extenuating circumstances for extending the hold at all. It is rarely done, because more commonly, if the reasons exist, they'd rather close the account.
Not only is it not a secret scheme, most banks have expedited availability as a marketing edge.
I can't speak directly to Sovereign, but unless you are doing a balance inquiry, ATM receipts commonly show the ledger balance, which may or may not be the available balance.
Anyone can google REG CC and see what the specific federal regulations are for funds availability. It isn't some big masonic secret.
Posted by tnchuck100 on 2010-01-17:
Ken, I know the funds availability policies are provided at account opening. The issue here is the bank led the customer to believe the funds were available. What is so hard for you to understand about that in this complaint?
It is, by definition, a conspiracy. Perpetrated by the banks. And it works! One of the banks I deal with will accept an out of state check for $6,000 + and will show it as available on-line within hours. But I do know it is not really available at that point. But the bank will profit from my use of what they indicated was available.
Ken, we must agree I am a fatalist when it comes to banking practices and you are submissive to their greed driven tactics.
Posted by Anonymous on 2010-01-18:
Sounds to me like the bank fronted the money to the customer instead of holding the funds, and something went bad with the checks. Meaning they probably bounced. So therefore the bank took the money back and charged the fees.
Posted by tnchuck100 on 2010-01-18:
LadyScot, what led you to believe the checks bounced? The OP gives no indication the check(s) were bad. Why do you consistently insert facts that do not exist so you can put the reviewer at fault?
Posted by Alain on 2010-01-18:
A compliment and complaint both on the same day. Wonder if yo mamma's compliment is also speaking about the RI branch of Sovereign.
Posted by Anonymous on 2010-01-18:
Chuck, because the OP said the available balance included the amount of the checks. When I make deposits of my candle business checks, the bank does not 'hold' the checks, they allow me to use that money as a courtesy. If a check is returned, then I lost the money plus the fee. The OP stated they had the balance, then they were down $300 in fees. That tells me one or both of the checks came back and the OP is being charged the checks, the normal check fees, plus the fees for her own items not clearing.
I did not insert facts. Only read and responded with what seemed perfectly reasonable by what the OP stated. I did not say this instance was the Op's fault. She simply played the odds on the checks and lost. Why are you being a snot? If you don't like my answer, ignore it.
Posted by goduke on 2010-01-18:
My banks (there are two) gives me a ledger balance and an available balance. I can actually see that a deposited check is on hold and how long it's on hold for.
Posted by yoke on 2010-01-18:
Something tells me that we are not getting the entire story.
I agree with those who say that maybe the checks that were deposited bounced and therefore the bank had a right to reverse the deposit.
Posted by yoke on 2010-01-18:
chuck, how do you know that the OP does not have a long history of bad checks and maybe that is why the checks were held. It does not state otherwise, you have added that part in due to your hate for banks.
Posted by Anonymous on 2010-01-18:
Of course we don't have the whole story Yoke, in these cases we really do, but it never stops Chuck from tilting at windmills. If it's bank related, it MUST be the bank's fault. The fact that we are not told if deposits were returned, or what the receipt actually says, or the OPs account relationship plays no part. The big, bad, evil bank HAS to be at fault.
Banks are not real consumer friendly these days, but the fact of the matter is that they are highly regulated and audited, and have strict guidelines. Moreover, they are not charities, or public utilities, they are publically held for-profit businesses, and are responsible to their stockholders.
If OPs checks were held, there is a reason. By law, there has to be a reason. That gets conveniently left out of the story, but it makes for good bank bashing.
Finally, of all businesses, there is none with more options. If you don't like what your bank does, go to the one across the street, or the one in your supermarket, or one on the internet, or a credit union, but to complain and play victim, and bash the banks instead is, frankly, lame.
Posted by yoke on 2010-01-18:
Ken, I know we will never get the full story and for some the bank is always wrong and the poster is the victim.
Posted by PepperElf on 2010-01-18:
kinda like my old saying that... people won't be happy until the bank gives out money for free, eh?
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