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Overdraft System Is Criminal
Posted by
DETROIT, MICHIGAN -- This all started when I deposited my workers comp check into an ATM on Labor day weekend. I was aware it would take an extra day to get into their hands because of the holiday. But what happened next is criminal in my opinion.
I already had funds in the account and had used my debit card thinking I was drawing on these funds. I wrote my rent check out of the deposit funds the day after I made the deposit. I was estimating that the check would clear and my landlord would make his deposit all in about the same time. Why would I assume this? Well the workers comp check was written from a National City Account and when I made previous deposits to tellers, the money was available right then.
When I checked my account on the Wed after Labor day I was shocked to see numerous overdraft fees totaling over $350.00. The deposit I made was still pending even thou it was drawn on the same bank. I called numerous people including the branch and 800 #s. I was actually told once "Hey, we are in this to make money."
My biggest complaint with this is the fact they cashed the rent check knowing this would cause a shortfall when the pending debit charges came through. If they were ethical and cared about their customers, and I would understand if they did this, they should have bounced the rent check which would have saved me a couple hundred dollars in fees. But according to another branch employee, the fees they rack up go to whichever branch you opened your account at. It goes toward their total profit for the year. There was not enough money in the account to cover the rent check. I guess I am guilty of writing a bad check. That's fine. But they allowed it. This "we are doing this service for our customers" is a load of crap. They are doing this for themselves. I was also told by the branch I opened the account at, "we have policies we have to go by." There is no human factor inputed into the equation anymore? It was clear I was not out writing bad checks and using my debit card knowing I didn't have the money.
This is why I hope all the banks fail and these people who gave me the run-around are out of jobs. We actually gave tax payer money to banks like this! It blows my mind. My advice is stay away from National City. They are full of crooks.
The other problem I had was when I withdrew 100.00 from their ATM and only received 80.00 Take a wild guess if I got my money or not? As a practice I count my withdraw in front of the small camera as soon as I grab the money. It was clearly short. I went inside to complain, fill out a form, two weeks later was told the machine was in balance. Nice to see they can review the security tape if something happens outside one of their machines. They had no answer when I told them I counted the money in front of the camera. For once, they were dead silent which tells me they are nothing more than dirty thieves.
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Anonymous on 12/18/2008:
Your mistakes started with "thinking" and "estimating" funds were available. You have to "know" what is available before you spend, that's how you don't get stuck with these fees.
Cyane on 12/18/2008:
Unfortunately, National City ATMs don't distinguish between cash, NC checks, and non-NC checks. The tellers can make the NC checks available to you immediately.. when you make the deposit inside the branch. Your deposit wouldn't have been available until, at the earliest, Wednesday morning because of the Monday holiday. The bank could have declined to honor your rent check, but you still would have been hit with an NSF fee, and probably an additional fee from your landlord. ATM issue should have been looked at and you should have been credited your additional $20, but if you've caused problems in the past, the bank isn't going to give you $20 for goodwill, esp if the ATM balanced. It's okay though. NC is getting bought up by PNC, have fun dealing with them.
Ponie on 12/18/2008:
National City is one of the banks I do business with. Did you check the receipt you got at the ATM? There are two dates shown on it: 1) Today's Date; 2) Business Date. If you make a deposit on a week day after 3:00PM, #1 will be the current date, but #2 will be the next day. Over the holiday weekend, it may have been even more than just the next day.
Chitwngirl on 12/31/2008:
You wrote a bad check and you knew it when you did it...the rest that happened was KARMA!
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Free at their discretion????
Posted by
Last month I deposited a check via ATM. No hold, funds available on-line, didn't check at the ATM or go in to speak with a teller, but there was no problem. This month, same thing only the funds were not available for a day. No big deal. I can wait a week or two if need be. I'm not strapped for $. Just let me know.......but,on-line the funds became available, I sent the money out, free on-line checking. It became a problem the next day when someone or something decided to put a hold on said check. I spent all day with 3 different factions of the company. No-one would do anything to help me. Not their fault. Well, OK. Not their fault, but because of some glitch in their computer my account showed a hold on 1400 some $ and an available balance of 800 odd. Did they cash a check I had mailed out for 25.00? No. It bounced. They could have honored it if they wanted to. It's at their discretion. I guess they just looked at that $34 profit. I had to pay 34 on this end, 31 on the other end and explain to a child why their birthday check was no good.
What I have to say to National City is, enjoy your $34 because it's about the last you'll be getting from me.
The appraiser is coming Monday as I am refinancing my mortgage through another company and as soon as my federal return gets here, if not sooner, I'll be paying off my 0%credit card and am in the process of changing all my direct deposits and bill payments. I will keep the account open for one check and one check only. My renter banks through you. I'll deposit his check and take the money right back out. You have lost about $7000 in interest a year over $34 dollars. You have a program going to pay $50 to people for opening up an account with direct deposit. Do the math.
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tander on 02/23/2006:
Good review, that's pretty pathetic of a bank to do that!
Ponie on 02/26/2006:
Darlene, did you go to the branch where you have your account? I've been with National City for years and have always received good service from them. In fact, one time I did a really dumb thing. I was buying a 6-mo. old car. Owner owed something like $21,000 on it and I had to have a certified (or was it cashier's) check in the exact amount before I could take possession. I withdrew a little more than the required amount from a mutual fund. Day I received the check, went to my branch to handle the transaction, never thinking of the fact that the fund check had to clear before I could do this. The branch manager explained to me why she couldn't do this. After a few phone calls (and she probably felt sorry for this imbecile before her who was practically in tears), my transaction was completed and I drove away in my Mustang convertible a couple of hours later. She properly admonished me for not calling the bank ahead of time and let me know she was putting her job on the line. I've never done anything so dumb again. I think if you had talked to your branch manager, this snafu could have been straightened out.
darlene on 02/27/2006:
I too have been with them for years. The branch that put the hold on the check nor the branch that I opened my account with would fix the problem. My new mortgage is in the works. Joining a credit union down the street.
justice man on 03/18/2008:
darlene, sorry about your bad experience with national city. My experience with them has been horible. They are absolutely the worst bank and the customer service is horrible. They have ruined my credit through bank fraud and they refuse to fix the problem or help in any way.
billmcintee on 07/09/2008:
well...here's my point of view concerning National S**tty...I had planned a free check by phone for my credit card company to take a payment out of my checking on the 30th of June...on the 30th of June, as expected, my cc company presented the check to the bank...now mind you, I had over $300.00 available for this $84.00 check...on the 1st of July, I had received my daily balance by email and found that my balance had gone from $300.00 to $70.00...I naturally assumed, "OK, well looks like they (my credit card company) got their money...fair enough" and I figured that some of my pending items had gone through as well to bring my balance down so low...WRONG...National S**tty had held this check for two days before it posted to my account...in the meantime, I am under assumption that I still had $70 bucks in my account, I have a day left to get my paycheck, so I can get a couple things I still needed...now naturally, if I go in there and present a check at the front, it is taken out of my account right then and there, or if I deposit some money, it is posted after midnight on that business day...well, now, on July 2nd, I have an $84 check coming out of a $70.00 balance, which unbeknownst to me, was also affecting three other transactions that I had put through that didn't add up to the $70.00 that were now in overdraft...$112.00 in overdraft fees...a week an a half prior to this, I was assessed FIVE more overdrafts because my balance never displayed as negative, so I never had a chance to get the money in there to "right" the issue...warning to all...National City's system is programmed to subtract pending items against a running balance, but in reality, it get's subtracted AFTER the running balance, so you are never really shown whether you have a negative balance or not...if you really want to see this in action, take a screenshot of your online statement and take note of the items up in the green area...they will display like they are getting subtracted from your account already...then wait a couple of days and look at your statement when those items clear and then compare it...I have been with National City for a couple of years now and have finally gotten fed-up with this...I have been assessed 8 overdrafts in a period of 2 and a half weeks at $34 a piece...I am furious at this and all I end up doing is arguing with the customer service over this...they had no reason to hold that check for two business days as there was more than enough money to cover this when the check was presented for payment...now, I have a couple items of proof that customer service screwed up on things, but I don't know if I have the strength to pursue this anymore...I keep hearing from customer service that I should keep a register or keep track of my transactions...well, I counted on the online banking system to do that for me and I am finding more and more than their system is foul...as soon as my present pendings clear...I'm getting the HELL out of that bank and not turning back...
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National City Broke Me Financially
Posted by
jack dock
MERRILLVILLE, INDIANA -- I am glad to hear National City is now suffering their losses. I was once a customer with the Loan and Investments Department. The Loan Dept was okay, but the Investment side was so bad my investment broker for Nation City was buying $500.00 suits and losing money every day for his investment customers. This person called me and said he forgot to call and tell me Enron was going under. He called me the week later to tell me my $99,000.00 investment was not worth $19.30 cents. Wow what a guy, I told him what I thought about his performance and he wanted to sue me for complaining. I had to call his boss in Indianapolis and explain to her what was going on. At this time my wife was dying from Alzheimer's and I needed the money to take care of her. Well I'm sure you have figured it out by now--yes, I am broke person and National City really did not care.
So, yes I am very happen to hear the bad news, but not happy as to what happen to me. I hope the employees who worked for the investment side are also broke and crying the blues with me.
So you all have a nice day and hope you all can learn to do without as I did. I am 73 years old and all my savings went under thought Nation City!!!!
Bye for now, and so long forever!
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madconsumer on 01/20/2011:
as with all banking institutions, the investment side is not regualted, just like any other investment company.
momsey on 01/20/2011:
Investment companies are absolutely regulated.
Jack Dock, I hope you reported your complaints to the SEC and/or FINRA.
Ponie on 01/20/2011:
Jack, I'm sorry to hear of the loss of your wife, along with your investments. However, Enron didn't go under in as little as a year or so ago. During this time, weren't you reading the statements you were getting from National City? Anytime I open up one of my statements and see anything just a bit awry, I'm on the phone to my adviser. Sometime things can be changed to my benefit, others not.
Also, I certainly hope you didn't have *everything* in Enron. All the advice we see on TV, read in the newspapers, magazines, financial periodicals, etc., tells us to diversify so all our $$$ are not in one basket.
All of us suffered in the down turn. None of us got relief from our investment losses by complaining. Even your broker at National City took a big hit.
Good luck!
momsey on 01/20/2011:
Ponie, that is true, but if you're paying a broker to handle your investments, he is responsible for handling them properly.
Ponie on 01/20/2011:
momsey, depends on the program you set up with the financial institution. In some cases you may be assigned a 'broker' who would be available to answer a question or two on the phone at no charge. This broker may look over your account perhaps once a year. In other instances, depending on fees the client pays, the broker may study your account once a quarter, once a month, or in the case of the high rollers (I don't fall into this category), once a week. Heck! In my office we had brokers who never placed some of their clients folders into the file cabinet.
Reading Jack's complaint, I tend to think he was in the first category I mentioned. Enron didn't go under in six months. During the time of their failing, the broker was probably calling/working with the individuals who were paying pre-determined fees and moving their money to the best advantage.
I was in the 'biz' for a while and always, always advise anyone who has money to invest, if it's as little as $5,000, to pay a bit of an upfront fee for a Registered Investment Advisor or Registered Representative. Check credentials. Is this person a CLU, CFP, ChFC, etc.? Unless you're a financial wizard--don't play around with your money, but don't let it set dormant, either. Dave Ramsey knows. :)
madconsumer on 01/20/2011:
momsey, I was not clear, I meant regualted like by fdic. if someone is losing money in their investments, there is no one to blame but themselves.
momsey on 01/20/2011:
Ponie, I was also formerly in the biz. If the broker called him at all, that says to me that this was a broker who should have been keeping an eye in things. And you're right, no one should have all their eggs in one basket, but this is why people pay brokers - to guide them in the best way of investing their money. Unfortunately, a lot of laypeople don't even know the right questions to ask.
I completely disagree with madc that if an investor loses money, he has no one to blame but himself. The SEC and FINRA also disagree. Again, this is why people pay brokers.
trmn8r on 01/20/2011:
I don't consider my stock, which is the bulk of my investments, to be "savings". Savings is like CD's, money market accounts.
To me, a "stock broker" wouldn't call me if one of my stocks went down 30% to warn me to sell. If I were paying someone 1-5% per year to advise/manage my portfolio, then I would expect a call or action on my behalf if they had that responsibility.
Anonymous on 01/20/2011:
This broker failed and was only looking after HIS best interests. If he was a good broker, he would have advised this gentleman long ago not to have so much money in stocks. Shame on people who conduct their businesses this way. Sounds to me like the op was very ill informed by someone tring to get as big a commission as he could.
trmn8r on 01/20/2011:
singsing - We don't know what percentage of his assets were in Enron, and other stock. I suppose we could assume it was high, but we would really need the whole picture to make a judgment.
If his only concern were making commissions, the broker would be calling constantly and advising the OP to buy or sell something.
Anonymous on 01/20/2011:
Lord, it sounds like from what the op said about being broke, that was the case. I thnk that's a logical assumption.
Usually when something big happens in the stock market, the brokers start with their top clients--one's with the most to lose, when they do their callbacks. This guy probably didn't rate.
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National City Ripoff
Posted by
Why am I always overdrawn the amount of the overdraft fees the bank charges...meaning if they didn't charge me I would not have been overdrawn!!! My husband and I are really close to the vest about spending money from our checking account. I have been very sick this past year and we no longer have savings but we do have a checking account with National City. Unfortunately, it won't be for long. I can't tolerate their abuse of overdraft fees. I just had them refund 2 overdraft fees 2 days ago since according to MY records I would not have been overdrawn if they had not added those fees..there were NO overdrawn checks, no amounts in my book or on their on line record that should have made my account overdrawn.
Still when they refunded the 2 fees, a total of $68 we were apparently (according to THEIR records) we were. 50 (50 cents mind you) overdrawn. So the girl on the phone said if my husband could get to the bank and deposit this. 50 I could safely start my check register with a zero balance. Instead my husband deposited $100 giving us a positive balance of 99.50. This was the balance after the OD fees were refunded. The next morning, on line I check the balance a viola (!) suddenly my balance is $150odd dollars!!?!? huh?? WHERE DID THAT COME FROM? I waited 24 hours and the balance was the same...actually it pretty much balanced with my book..so if I suddenly went from $99.50 to over $150 where did the money come from? The next day (yesterday) the balance showed an overdraft amount of $36.03 so my husband zoomed to the bank and deposited $75 at approx 9:30 am since the bank told us if the money was in by 2p there would be no charge. Now again this morning I checked my account which granted should only have a $2 balance but nonetheless a positive balance and they have taken ANOTHER over draft fee leaving me $32 in the negative..their overdraft fees are $34.00 dollars..see where I am coming from???
Does anyone know where I can report a bank for deceptive practices?? I have had it with them and will be opening a new account somewhere else..Can anyone recommend a good financial institute in the Chicago area? This bank always has an excuse, saying they can charge OD fees on PENDING charges????? I have never heard of that since sometimes those charges don't even come through!
Often I have an OD fee charged on one day for a check or charge that isn't on the register till the NEXT day ..how could that be legal? Anyway, my recommendation DO NOT BANK WITH NATIONAL CITY!
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Anonymous on 02/17/2010:
Are there purchases posting that you didn't write down?
Any auto debits coming through that you've forgotten about?
Any checks?
It doesn't take much to overdraft account. All you have to do is go over by just a penny, and you get hit with an overdraft fee.
There's something going wrong if you *are* keeping track of your account and not just relying on what it says online... if you keep getting hit with fees. If you can, stop spending money for a few days... let things catch up... then, when you know (for sure) what your balance is... knowing nothing's posting or anything like that... start off fresh and new that way. If not, you're going to keep trying to fight a losing battle.
sharpasice on 02/18/2010:
Let me just give you an example..on the 16th the bank took an OD fee and left me with a balance of POSTITIVE $22 HUH??? Positive??? Well then why the OD fee? On the 17th I was overdrawn BECAUSE they took the OD fee the day before...(for NO apparent reason) so in addition to the fraudulent OD fee on the 16th there is ANOTHER OD fee on the 17th! For a balance that the bank made OD ...not me! Today is payday so...viola! we now have $68 less than what we should have..Account will be closed today..even if I have to do money orders from now on!
goduke on 02/18/2010:
Your ledger balance may have been $22 in the positive, but your available balance was undoubtedly below zero, due to an authorization.
You may find that, if your bank balance is going to get close to zero, you might want to switch to cash and stay away from the debit card, as the authorizations are clearly causing problems for you.
sharpasice on 02/18/2010:
maybe you should google class actions suits against banks..you will see that this is a frequent happening and banks are being sued for this..If my "available balance" shows positive according to their on line records..AND mine ledger balance then explain to me how/why they are taking OD fees??!?!?! When they were Mid America Bank I NEVER had this problem..
Anonymous on 02/18/2010:
Sharp, If you have a balance of $100 on Monday, and a check for $150 comes in, they will return the check. On Tuesday, the overdraft for that returned check hits the account, so you have a positive balance of $62.50. Your balance is positive because they returned an item unpaid.
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I Just Don't Understand Their Way Of Doing Business
Posted by
I just got off the phone with NCB regarding my Parent's credit card. The representative went through all the basics of who am I, what relation am I to the card holders...yak, yak, yak. Being in the business myself, I understand 3rd party disclosure and all, so I have no problem answering their questions. She wanted to know if my Mom was there to give them permission to speak with me. I told her, my Mom passed away and I have been handling all of her and my Dad's finances since December, making all the payments etc. She asked me to put my Dad on the phone, well he was laying down and I didn't want to wake him to come to the phone. So, she said she was limited to what information she can give to me, but can answer general questions. OK...again, I understand that, no problem. I told her the reason I'm calling is for a copy of the credit card agreement/terms in which my Mom agreed to when the account was opened. (She had this account for over 20 years and was never late on any of her payments). I explained that I needed to know if there are any penalties if the account is paid down, leaving NO balance (Some banks charge if you don't carry a certain balance) or, if the account would be closed if it is inactive for a certain amount of time. Her answer was, "I don't think so", "Not usually" and "Not always" well, those answers were not good enough...I want to know for sure. So, she said she can send me a copy of the agreement. I said, that would be good...that's what I wanted. Then, she said again, that I had to have my Dad come to the phone to request it because they can't send it to me. I told her, it can be sent directly TO my DAD at the address they have on the account (we live at the same place)...and she said she can't do that. I asked, why not, It's not as if I'm asking her to send to to another name at another address...but she refused and said she can't send it without HIM requesting it! I told her she didn't have any problem accepting the payments from ME since December, including the $1000.00 payment I just sent out last month and hung up on her.
Now, again...I can understand if I asked her to send it to someone OTHER than my Dad at an address OTHER than my Dad's address...but come on NCB...Like it or not it's ME you have to deal with if you want this paid...I asked you to send the agreement that my DAD signed for TO my Dad at my DAD'S address! This is the only credit card they have, and I've been paying the balance down for them...I hate credit cards...I HATE THEM!
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skelly39 on 07/20/2009:
I'm sorry about your mom. While I would normally agree with the rep that she can't disclose anything to anyone who is not on the account, I don't see a problem with them mailing something to your father. Ask for a supervisor.
DebtorBasher on 07/20/2009:
Exactly, and like I said, being in the collection business and dealing with credit cards...I understand the 3rd party disclosure and all, so I didn't have a problem answering her questions...but to request something to be sent TO the card holder at their address? That just doesn't make sense to me. I guess my next step will be to send them a copy of the POA I have for my Dad...that SHOULD clear up any problems in the future.
Anonymous on 07/20/2009:
Skelly, that's a pretty common avenue of fraud. Call and ask for some info on an account, then intercept the mail. I understand fully why they wouldn't do it. The poor folks who answer the phones have it drilled into them that they cannot divulge any kind of information, they just aren't allowed to make exceptions or decisions on what might be legitimate.
DebtorBasher on 07/20/2009:
I can see that happening Ken, but what would stop someone from intercepting it even if he got on the phone and requested it?
Anonymous on 07/20/2009:
DB, you should have asked to speak with a supervisor.
DebtorBasher on 07/20/2009:
Yeah, I know....I just get aggravated with people anymore.
Anonymous on 07/20/2009:
Basher, Have you thought about creating a living trust for your father or having your father grant you power of attorney.
I went through having to handle the affairs for my mother and another elderly family member. In both cases I was the trustee for their trust which gave me absolute authority in their business affairs. If a trust isn't in order then you should definitely get power of attorney. Look into it.. it will save you a lot of headaches down the road.
DebtorBasher on 07/20/2009:
Thanks Crabby...I did get POA about a month ago for my Dad. I'll have to start sending copies out to these places.
yoke on 07/20/2009:
Db, sorry about your mom. When dad died we sent POA's to his creditors and had no problem. I understand why they did what they did, but even talking to your dad does not mean he was your dad, but for some reason that was going to be good enough for them.
Anonymous on 07/20/2009:
DB, if someone intercepted a normal mailing, they have no control over it, but if someone requests a special mailing and it turns out to be fraudulent, they would have liability.
Anonymous on 07/20/2009:
Don't the terms change on credit cards through the years? I know mine do. I can check the current terms of my account right on-line. If I don't agree to the terms, they give me the option of cancelling my card, otherwise the new terms take effect. Isn't that the way all credit cards work? Anyway, my point is, can you access her account on-line to see what the terms are?
DebtorBasher on 07/20/2009:
Thanks Ken, that's probably is the reason...but people STILL aggravate me...guess they're just doing their jobs.
KIA, she never had online access to any accounts, she never liked computers or anything...she was old school, kept track of everything with a pen, and notebook...got to say, her system never went down or was stopped in its tracks by a virus! Bless her soul! I may be able to set it up online now though.
Anonymous on 07/20/2009:
BokiBean on 07/20/2009:
And DB rocks again! I'm like you...if you sent them a check, they'd be more than happy to take it, but woe be it if you need something from them. VH, as usual.
Anonymous on 07/21/2009:
Yeah, DB, that's what I was thinking. If you can set it up on-line, then you won't have to hassle with the calls and 30 questions. I went through this with my mother's insurance and it wasn't easy until I put the POA through. On-line would have been much easier.
Anonymous on 07/22/2009:
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National City Bank Horrible Service
Posted by
justice man
This is absolutely the worst bank. I try to maintain excellent credit and they continue to make errors which destroys my credit. Thi happened on two occasions and now I no longer use this bank and never will again. The first case I had a credit card with them and had it linked directly to my checking account so that payments would be made automatically. I always made sure that there was more than enough money in my checking account. One day my credit card was rejected and then I found out that the credit card was cancelled and on top of that my credit report indicated that National City Bank had me in collections. To make a long story short, they made some sort of error and cancelled the card by mistake and disabled the direct payment. HOW LAME IS THAT??
It took a lot of time and stress to deal with them and get them to fix that. I did not get a new credit card with them since they were so incompetent, but I still had a checking account. More problems came about. I changed addresses and I made sure to file the change of address in person. They messed that up too. They sent my mail to everywhere but my address. Somehow they had addresses in South Carolina and Michigan on file when the address that I gave them was in Florida. How do they make these dumb mistakes??
They eventually over drafted my account with some unauthorized fraudulent transactions then closed my account. They never mailed anything to me and I did not find out until months later when another bank did a background check and informed me. I reported the fraud to them and they said that they would file a claim and replace the money.
That never happened, instead they put the matter into collections and ruined my credit. When I called their loss prevention department to clear up the issue, their customer service rep was very rude to me and made it clear that she was not willing to help in any way then she hung up on me. That was the worst and most frustrating part.....she actually refused to help and hung up on me. This is not acceptable at all. Please do not use National city bank. I really don't want people to have to go through what I am currently going through.
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sarahnkrystal on 03/18/2008:
Ouch. Sounds like a painful experience. Thank you for sharing it.
herchmer on 05/20/2008:
I have experienced the same thing. Near the end of last month my car payment went through for over $400 (so far so good). At the end of the month it went through a second time electronically (charged $34 for over draft). Today the same check that had magically gone through twice went through a third time.
National City customer service informed me that it was an issue with our bank however they sent this in 3 times. Additionally, their customer service said "well, now you don't need to make any more payments until July!". I informed them my wife had recently been laid off to which he responded "it appears as though you make enough to cover this".
I am still trying to collect my lower jaw from my kitchen floor. I demanded to speak with a supervisor and was told I was not allowed to do so ... and then ... the National City customer service representative hung up the phone!
I am amazed and outraged. Never once did I hear "what can we due to help you" or "what can we due to rectify this situation"
Bottom line ... avoid this bank like the plague!
billmcintee on 07/09/2008:
Their system is foul and untrustworthy...for some reason, it does the math to make sure that you never see a "negative" balance if you have one so that you can get to it and put the money in to "correct" the issue...instead they love to assess those overdrafts...I received 8 in a period of two and half weeks...I'm gettin' the H*LL out of there a.s.a.p...
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Don't Get Ripped Off By National City... Highway Robbery...
Posted by
I think that I've just finally come to the point that I'm going to start paying for cash for EVERYTHING. if a bank can set up their computer TAKE YOUR MONEY when it's there and available and then BOUNCE your checks for the money that was would have been there if they didn't take it. WOW, THIS IS A CRIME. how can they impose NSF charges on MONEY THAT WAS THERE. they're posting nsf charges on money that's there, then because they've taken it, they post your checks as bounced to justify the nsf charges that posted BEFORE the check. had they not posted the charges, MY CHECKS WOULD HAVE CLEARED!!!!!!!!!!!
There is a class action lawsuit for Bank of America and they need to file another, or widen the scope to include ANY BANK that COMMITS THIS CRIME.. God knows, if I took money from the bank they would pursue me in court!!!!!
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Anonymous on 08/09/2009:
"how can they impose NSF charges on MONEY THAT WAS THERE"?
The can't. The money wasn't there. You cannot possibly have an overdraft if there were sufficient available funds in the account when you wrote the check, or swiped your card. It's just that simple.
Soaring Consumer on 08/09/2009:
From what I understand, the OP had money in the account, the bank withdrew fees for no reason, resulting in a check bouncing, then claimed that the fees were generated because the check bounced.
Whitedove, can you confirm this is your situation? Or are there more details?
PepperElf on 08/09/2009:
unless the OP had pending transactions she or he didn't take into account before writing more checks
Anonymous on 08/09/2009:
It's not the banks that take out the money, it's the merchants that take out the money of the account that's owed them whether it's a debit or credit purchase. Perhaps this is another case of a forgotten purchase that was taken out... and at that same time a check cleared. Or an auto debit that was taken out and forgotten about until then... and, at the same time a check cleared.
yoke on 08/10/2009:
This post is confusing. Is what the op saying that they had the money to cover everything and the banks decided to charge NSF's for all the transactions and then put in all the debits and credits? How would the bank know how many NSF's to charge in advance if the funds were there?
madconsumer on 08/10/2009:
was the deposit available and not pending or on hold?
Suusan B. on 08/10/2009:
It sounds to me like the OP might be saying that he/she had enough money in the account (or thought they did) but something bounced causing a NSF fee which then lowered their available balance?? Anyway you look at it, if that was sufficient available funds and all transactions were accounted for in a paper check register the OP would never have been charged a NSF fee.
whitedove1968 on 08/10/2009:
I know it sounds confusing. I HAD the money available for 2 of the 3 checks to clear for that day. they posted 3 NSF charges BEFORE bouncing ANY of the checks. THEN they posted the 3 checks for that day, thus bouncing all 3 of the checks even though there was money to clear 2 of the checks. this bank is notorious for manipulating funds and charges in order to cause bouncing. this is something that quite a few banks are doing now. there is a class action lawsuit against bank of America right now because they were doing the same thing. this is not the first occurrence of NCB doing this and won't be the last. If they hadn't of imposed undue NSF charges I would have had 1 instead of 3. not only that they take money out of your account for 2 days and then bounce it back causing all of your other checks to bounce. it's a game of money manipulation. GOOGLE the information on the class action lawsuit. it may explain it better. I wanted to add National City of banks to avoid. unless your account balance is so high that there is no need to worry about this. but beware, if it gets remotely low, your shark bate!!!
yoke on 08/11/2009:
You are supposed to have the money for all the checks. The bank did nothing wrong, unless of course you called and told them which checks they could clear and which checks they could not clear.
sharpasice on 02/17/2010:
Whitedove..read my review of National City that I posted just today.. Feb 17th...EXACTLY the same thing is happening to me!!! I totally believe you!
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Missing $80.00
Posted by
CHICAGO, ILLINOIS -- On 5/29/09 I checked my bank account. A variety of transactions had been posted along with one pending, in the amount of $60.00. The following day I checked. No new transactions had come through and the same one was pending but suddenly my account was -$188.00. How is this possible? The same transactions had been there the previous day, all with positive balances left. I've spoken with two different branch managers at National City's near me. Neither is willing to help me, explain where this money has gone, or refund me the overdraft charges (3 in total, each at $36.00 a piece). BOth of them act as if this is my fault because I am not being diligent enough of with my money. THe fact is, this is the second time this has happened. I went along with their reasoning, thinking maybe I did drop the ball somewhere the first time. THe last few months I have been ridiculously diligient...checking my account as many as 4 times a day. In less that 10 hours my account went from positive to negative without any new transactions being posted. I am also accruing an additional $8.00 per day until I deposit money after being told by one manager that he would put a freeze on my account until I could reach a resolution. This is unacceptable behavior. I have already opened a new account at a competing bank and will be closing this account. How any corporation can operate this way and get away with it is beyond me.
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madconsumer on 06/04/2009:
do you keep a paper register as well?
old fart on 06/04/2009:
Keeping both is an easy way to avoid your situation
Anonymous on 06/04/2009:
Most banks will post payments to your account, but the funds aren't available for withdrawal until the payment clears. Withdrawing against pending payments will lead to an overdraft if there aren't sufficient funds.
Anonymous on 06/04/2009:
It *is* your fault. You assume that because you have no pending items that the balance is available to spend. In lieu of a check register, how would you know differently? The fact is that not all unpaid items will show as pending. That's just the way the debit system works.
If you're not willing to keep track of your own balance, you might want to think about losing the debit card, and sticking to checks and cash. You'll find it a lot less expensive.
MSCANTBEWRONG on 06/04/2009:
You should also pay attention to your available balance and your current balance.
Ponie on 06/04/2009:
Hey! National City is one of my faves. Never had a problem in all the years I've been with them. But I don't mess with a debit card. Like Old Fart, I don't just check my balance(s) online--I keep a register also.
old fart on 06/04/2009:
Debit card transactions are not hard to keep track of... just put the receipt in your pocket or wallet and when you get home, enter them in the check register!!
It just isn't that hard to do unless you're a total unremitting [snip]!
I literally LIVE off of my debit card and haven't had an overdraft in 30 years...
Ponie on 06/04/2009:
I'm too scatter brained to do what you do, Old Fart. I'd jam those pieces of paper into my pants pocket--and forget about them until I emptied them when taking them to the cleaners. :) Also, since I like to keep that register current, it's a nuisance (to me) to have to list a bunch of little expenditures. I use a credit card for the majority of my purchases. Heck--I even put a 75¢ bag of M&Ms a while ago on it. But whatever floats your boat. We both keep accurate records of our $$ but in different ways.
yoke on 06/05/2009:
OF, the problem is people are relying to much on the online banking account balances and not on their check registers. The complaints that we read hear usually have the same whine, the balance from my online banking said I had enough money so I spent it and now they are charging me NSF and won't refund the fees. Very few will say I made in error in my check register and that is why I have NSF and the bank won't refund the fee's.
We use our debit card all the time and never get NSF. I very rarely look at our online balance because I know it may not show all transactions. I usually only do it to check to see if direct deposits have posted.
Anonymous on 06/05/2009:
The root problem is debit cards and people living payday to payday. It's too easy to make a mistake ya know for those of us who make mistakes which of course excludes about 75% of the my3cents regulars but if you're like me and you have the capacity to make a mistake every now and then and if you live from payday to payday then the debit card is not your friend. The risk is too great for the reward.
goduke on 06/05/2009:
Quicken has an online solution you can use. Last time I checked it was about $3.95 a month.
yoke on 06/05/2009:
crabman, I do make mistakes, but I don't blame others when I do. The people that come on here to complain about the excessive NSF's that they get do not take any responsibility except to say that according to what their online banking balance said I had enough money to spend so I did. It should not matter if you live paycheck to paycheck, we do, and I still don't get NSF since I only spend what we have.
yoke on 06/05/2009:
qoduke, banks have a free solution it is called a check register.
Anonymous on 06/05/2009:
Yoke, I've never had an NSF fee either not because of my exceptional book keeping skills but rather due to my fortunate birth. That's beside the point. Excessive unfair NSF fee's has nothing to do with keeping an accurate checkbook register. I agree people should keep a good accounting of their checking account but a nickel mistake shouldn't result in over a $100 of NSF fees. No amount of condescension or finger wagging will ever change my view on that.
BokiBean on 06/05/2009:
Amen to that, Crabs!
yoke on 06/05/2009:
crabman, Excessive NSF's does have to do with not keeping an accurate checkbook register. I do agree that if you make a mistake ONE time the bank should help out and usually they do, even BofA does. It sounds to me that the ones that are coming onto this site complaining are the ones that are always getting NSF's and the banks have said no more to them. There comes a point where the consumer has to take responsibility for their own actions. They know how much they spent, even if it does not show up on their online statement for a few days.
BokiBean on 06/05/2009:
yoke, so basically your theory is that they are all deadbeats and deserve it no matter how the banks choose to gouge them...
old fart on 06/05/2009:
I agree with Yoke... personal responsibility is the key to keeping the NSF chrges out of your hair..
75 % of those kinds of complaints is just pure plain irresponsiblity and laziness and I have no sympathy for those dipshyts that refuse to learn the obvious lesson..
It takes all of 15 seconds to write a transaction in to the check register... just do it!
BokiBean on 06/05/2009:
Yeah old fart, that is all well and good, but "keeping them out of your hair" is not justification for them. Its just denial.
Anonymous on 06/05/2009:
My take on this is that they were simply lookin' for an explanation of the fees not placing blame. Isn't it the banks responsibility to provide this basic service to their customers or is this asking too much? Oh and here's a novel idea --- if I'm a bank and I see I have a customer that overdraws, maybe I could offer to educate them on how to keep accurate records? Gee willikers I wonder if that would actually help people learn how to keep accurate records, rather than attaching a bunch of fees to someone's account that is already struggling sure isn't the way to do it.
BokiBean on 06/05/2009:
Tater, that would make too much sense and probably cut down a lot of the millions of dollars that banks make from excessive fees every year. ;)
I remember when banks routinely paid checks that were overdrawn and only charged NSF fees for customers who made a habit of overdrawing too frequently. That was ages and ages ago..back when they used to give you a toaster for opening an account. :D
yoke on 06/05/2009:
tater, should the bank charge for the class to teach you responsibility. If you can't figure out how to balance a check book then you should not have an account. Why is it the banks job to teach you how to do it? When you get your statement in the mail instead of throwing it away and relying on the online balance, balance your checkbook. It is easy and on the back of the statement it actually walks you through the process. It takes about 30 minutes a month to do.
yoke on 06/05/2009:
boki, my CU is giving away 6 Flag tickets if you open an account the month of June or if you refer somebody to the CU and they open an account.
BokiBean on 06/05/2009:
OOOOoooooOOo nice! That is like a blast from the past, yoke.
I remember when gas stations used to give away stuff for filling up there too..glasses, huge helium filled balloons, corning ware.
I used to love 6 Flags, but I think I've gotten too old and crotchety for the long lines anymore. But it would be nice to re-gift those to someone who would enjoy them.
Anonymous on 06/05/2009:
Yoke, no they shouldn't charge for the class it should be included in their responsibility to provide customer service. I don't suspect the "class" would take more than 10-15 minutes max to run a customer through how the particular bank puts through debits/credits and how to keep a accurate register. Then not only are they teaching folks how to accurately balance their accounts but likely bringing in life-long customers. I know it's a crazy concept, it's better to charge as many fees as possible and hope to reap a couple million per year off the pour souls who are strugglin' to get by as it is.
yoke on 06/05/2009:
Every once in a while they will do those types of promotions.
My daughter is going to 6 Flags today with school and it is going to rain all day. I feel so bad for them, they worked so hard all year and then they get a yucky day. Oh well, better the teachers having to deal with cold wet kids them me, LOL!
yoke on 06/05/2009:
tater, they give all the info to you when you sign up for the account. You need to read it. When you get your statement it walks you through how to keep an accurate balance. It is called balancing your checkbook. Do you really want the bank to hold your hand?
old fart on 06/05/2009:
Yoke... you are absolutely correct!
If anyone bothers to look at the back of their bank statement, all the info you need to balance the checkbook is there complete with all the +'s and -'s needed to complete the job.
I have ABSOLUTELY NO SYMPATHY for someone who fails to do that, crying "poor little me, that big ole' bank is pickin' on me"!!
Anonymous on 06/05/2009:
Yoke it could be a neverending argument for some but for others that understand the human element to such things it makes sense. I surely hope you've never talked to a live person on anything you received all the info on b/c according to your theory we don't need those services.
old fart on 06/05/2009:
What would happen if the banks only charged 10 percent of the amount of the over draft as a penalty...
A $10 dollar OD would only be ONE dollar.. hardly a deterrent to overdrawing your account is it?!
When you start seeing $50 dollar OD penalties, you start to pay attention to details, don't you?!
yoke on 06/05/2009:
tater, I do understand the human element, but give me a break. When you buy a coffee maker at Walmart does the cashier explain how the item works or do you go home and read the instructions? Is there a cashier there to show you how to hook up the coffee maker and start the machine the very first time? Should cashiers at stores be obligated to the same service that you are expecting of the bank tellers? According to your theory we need that kind of service.
OF, that would be a good idea to charge 10% of the amount of overdraft. People would start to think the $36 NSF was a bargin.
Anonymous on 06/05/2009:
Yoke, if I bought a coffee maker took it home and couldn't figure out how to make the dang thing work even after reading the instructions what should I do? Throw it away and consider it a bad investment on my part or call the customer service # listed on the instructions and ask for help? When setting up a bank account it IS a good idea for the bank employee to walk the new customer through all the details, including how the bank puts through transactions as well as tips on how to keep accurate records to avoid NSF's. To insinuate I also meant that a store should personally show a customer how to set up and operate a coffee maker before taking it home is like comparing apples to oranges and I'm almost positive you already knew that.
yoke on 06/05/2009:
tater, you would call customer service, just like you should when you have a problem with your checking account. I would not expect Walmart to have a class to show me how to work the coffee maker, would you?
Every time I have set up a new account at a bank I have always been given the information I need as to their rules. I read them, therefore I know how my bank is going to work. There is NO reason a bank should give you tips on how to keep an accurate record so you will not get any NSF. It is quite simple. Do not spend more than what is in your account. How is a class going to help you understand that? If you don't have the concept that you can not spend more than you have you have no right to have a checking account. It is common sense.
BokiBean on 06/05/2009:
Ya'll are missing the point with this OP. No new transactions came through, and the same fee was pending but their account is $80 to the bad and the bank can't explain it. Why are we assuming that they did something wrong?
Anonymous on 06/05/2009:
Yoke, its alarming that someone has such negative stance towards educating people on how to manage their finances. Again, to insinuate that I said any store should offer a class on how to set up and operate a coffee maker is like comparing apples to oranges. The facts are really quite clear here. Banks know they will make millions in NSF fees and if they took more time to educate new account holders when they were opening an account, chances are they'd see quite a reduction in those fees, eh? Imagine if banks offered free seminars to their customers on the basics of smart money management. Oh the possibilities when we start thinking outside the box instead of staying in our comfortable little silos.
BokiBean, excellent point. It's also human nature to assume someone did something wrong, that is until it happens to us, then it couldn't possibly be our fault! <;-)
yoke on 06/05/2009:
tat, I don't have a negative stance towards educating people how to mange their finances. I don't see how it should be the banks job to hold your hand and show you how to balance a checkbook. Back in my day we learned how to do it on our own. For the younger generation they can take classes in school, my son has done it, there are classes at community centers that offer basic finance. Yes it would be nice if the banks did it, but where does it end. Do you want the bank to balance all the checkbooks for the people who can't?
Ponie on 06/05/2009:
TaT, in regard to: 'Imagine if banks offered free seminars to their customers on the basics of smart money management.' Many banks do just that, although it's focused more on financial planning and planning for your future. National City is one of the institutions that occasionally offers this service, at no charge. Perhaps I ass/u/me too much but by the time a person is able to open their own checking/savings acount, they ordinarily have the basics of 1+1=2, 2+2=4, etc. I've long advocated our public school system have a class in basic money management by the time students enter high school. But instead they have classes as early as 2nd grade on 'Jimmy Has Two Mommies,' which they evidently consider of greater importance.
Anonymous on 06/05/2009:
Ponie, I agree with you wholeheartedly. Many folks do assume too much, hence my multiple comments on educating, educating, educating. Not everyone is taught or has the foresight to educate themselves and money is something that nobody likes to lose out on due to simple misunderstandings.
Yoke, you and I will have to agree to disagree on this one. I don't want to wear out my welcome here going back and forth over something that we both feel very strongly about. I do agree there is consumer responsibility to know and understand how to manager one's finances, but simply put, many don't and as long as there are those that don't banks will continue to reap huge profits from them.
yoke on 06/05/2009:
tat, agree. Lets agree to disagree.
Ponie, my kids HS is trying to make Personal Finance a requirement for graduation. My oldest took it this year. It was great. I am going to make sure my other 2 also take the course before they graduate. It is a difficult class to get into since it fills up fast.
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Never Bank With National City
Posted by
ALL STATES -- National city is by far the worst bank I have ever dealt with. I opened a checking account when I was 12 and have had relationships with previous banks, but nothing as horrible as this... Their customer service is rude, unavailable, inattentive, careless, makes mistakes, and lacks communication.
They charge ridiculous, astronomical fees for nothing and are more concerned about making money than keeping their clients happy. Don't bother reading the fine print on any of their contracts- they make up their own rules as they go along anyway.
My entire family quit banking here because they are horrible...
No wonder they had to be bailed out. Never use this bank!!!
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tnchuck100 on 02/05/2009:
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National City Bank = Overdraft Fee ($34 For 0.3cent )
Posted by
MICHIGAN -- Be careful when you bank with NATIONAL CITY
It looks like National city wants to save its sinking ship by stealing its unfortunate customers. Look for overdraft fees ($34 each instance)in your next statement. I had 5 of them in a single day. Hard to believe? They think they can fool the customers. unfortunately no body is going to save you. Do not even think of getting it reversed.
I had two wire transfers on one day. Knowing this I personally visited the branch and deposited a check worth much more than that amount. Smartly they put a hold on my check until next day in order to make me to pay over draft 3 times, one for 3 cents. They debited the largest amount first so that next all transactions on the same day comes with their special ($102).
More over it looks like many employees are not happy with the bank either. May be due to not secured jobs or pay reductions. Time to think about other banks.
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Anonymous on 11/14/2008:
Checks do not credit immediately. The only way to get an amount instantly credited to your account is to use cash.
jktshff1 on 11/14/2008:
overdraft is overdraft .03 or $3,000.00.
'Least it's .03 and not .02 like McDonald's
TGT101 on 11/14/2008:
Keep track of your finances. The only complaints I hear about banks are because people don't keep track and when they overdraft it is never their fault.
Anonymous on 11/14/2008:
You should have to pass a common sense test before you are allowed to have a checking account.
Ponie on 11/14/2008:
National City has been one of my banks for years. I have never had a problem with them. Of course that may be because I don't try to spend money I don't have.
'More over it looks like many employees are not happy with the bank either.' Please state your reliable source. Whenever I've gone into one of their branches, there was never a hint that 'many employees' were not happy with the bank. Are you old enough to have a checking account? You really don't sound as though you are.
Cyane on 11/15/2008:
I'd say NCB employees are stressed about their job security rather than actually unhappy about the bank. They may be unhappy with the decisions that Peter Raskind has made for the bank. But likely there is little to no information being provided to employees regarding the merger to PNC.
BobJohn on 11/17/2008:
"I had 5 of them in a single day. Hard to believe?" Yes, it is hard to believe that anyone would have so little control or understanding of their finances that they would overdraft 5 times in one day.
yoke on 11/17/2008:
If you knew you were going to have 2 wire transfers pending why did you wait to deposit the check?
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text:
The Belle Of The (Speed) Ball
With spring just around the corner, Louisville's thoughts naturally begin turning to the Kentucky Derby and all its pageantry.
But, as stellar as that event is, there is another specatular event that heralds spring's arrival.
The event is the annual Speed Ball, which will be celebrating its 39th birthday this year, and as usual it will feature Louisville's most beautiful people and fashions.
This year's Speed Ball will mark a time of change for the annual gala, held at The Speed Art Museum.
With a massive $44 million renovation planned, which will span three years, this will be the last time guests will celebrate in the venerable marble walled Beaux-Arts Gallery until at least 2016.
But, the renovation and closing hasn't dampened anyone's spirits about this year's gala event.
This year's Chairperson Christie Wilson and her co-chairman, Ron Wolz, have been working with their tireless committee to present a truly memorable evening.
I caught up with Christie to find out what patrons can expect at this year's Speed Ball.
Lori Kommor: This is the last Ball held in the Museum's glorious space until the completion of the new renovation, how will this year's Speed Ball be more special?
Christie Wilson: This is a very special year for the ball, being the last in the current space and our décor committee, led by Amy Cimba of Bittners has worked hard to make it a memorable and dramatic night.
We have added a specialty bar from our Heaven Hill Distillery sponsor and special signature cocktail named by our presenting sponsor Lenihan Sotheby's.
We have also expanded our popular lounge, which is sponsored by The Glenview Trust Company and as always the beautiful museum and world-class art will make perfect setting for a truly memorable night.
LK: What are some of the different tickets available to those interested in attending?
CW: We have two options: The dinner benefactor tickets available for $450 a ticket which include cocktails in the Glenview Trust Lounge, then dinner in the Speed's beautiful galleries and ending with dancing the night away in the Sculpture Court.
The second option is the Friends of the Speed ticket where guests arrive at 9 p.m. for cocktails, dancing and desserts.
The Friends tickets are $150. Tickets are almost sold out and limited to first come first serve basis.
LK: There's a lot of buzz about the entertainment this year, can you tell us what all the excitement is about?
CW: There should be a lot of buzz about the band this year! They are amazing!
The band is Indigo from Chicago and they are sure to keep all patrons on the dance floor all night! They are very hip with a swing touch. A great party band for sure!
LK: The Speed Ball has such a rich history in our community, what makes this event stand alone?
CW: Definitely its elegance – first the setting is unrivaled. The amazing architecture, coupled with the collection of the world famous art, which includes the exhibitions from Renoir to Chagall, is spectacular.
After the art, the extravagant floral arrangements, the amazing designer ball gowns and the fabulous band. Truly, this is the most amazing party in Louisville!
LK: What is your favorite memory of the Speed Ball?
CW: That is so difficult to answer, but I don't think I could ever forget my first time attending the Speed Ball.
I was overwhelmed with the beauty everywhere! It was the reason I got involved with the Speed Ball Committee. I knew it took a very talented group to make the event happen.
LK: Can you share what Susan Hershberg from Wiltshire Pantry has planned for dinner?
CW: Susan has created a wonderful, local, seasonal dinner and it is outstanding!
Her special dessert is the perfect ending to a perfect evening.
Category: Take It or Leave It
About the Author (Author Profile)
Lori Kommor, Columnist/Event Chair
Lori wears many hats: writing two weekly columns, chairing The
Voice-Tribune's events and keeping the staff fed with a stash of snacks
Willy Wonka would envy. She's a fervent high school soccer fan (go
Collegiate!) and has the raspy voice to prove it after game days.

subset: commoncrawl


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Showing 1-24 of 35 items found in Food & Drink
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A step on guide will accompany your tour of the Amish countryside. The tours will also include meals in Amish homes, and Amish home, buggy shop, dairy farm and woodworking tours. Additional highlights include an Amish museum, local attractions, restaurants, and accommodations.
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Cameo Vineyards
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China King
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Friendly convenience store with pizza, hot dogs, chicken and deli type items.
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Dutch Kitchen Restaurant
Discover one of Illinois Amish Country's most popular dining spots; breakfast, lunch and dinner daily in our nostalgic Main St. setting.
CITY: Arcola
El Rancherito - Charleston
Authentic Mexican restaurant. Enjoy the finest Mexican food in Illinois. Call ahead for carry outs and check out our other locations.
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Flesor's Candy Kitchen
At Flesor's Candy Kitchen we're just happy that warm weather prompts folks traveling up and down Interstate 57 or Route 36 to take the Tuscola, Illinois exit, stop at our great Tanger outlet mall, and then navigate a tiny bit more to our little downtown where they discover the treasure that is our store. We are also thrilled to welcome tourists to our region who have come to explore Amish Country and include in their itinerary a look at a couple of non-Amish, ½ Greek sisters who make candy the old-fashioned way, too. During summer, people flock to our hundred-year-old soda fountain (homemade ice-cream!) and are delighted that we serve good food for lunch every day from 11:00 to 3:00. We also welcome buses, and crazy Devon is almost always on hand to stand on a chair to give her "speech" about the store's history and offer big groups a tour of the candy room.
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Frostop Drive-In
Featuring carhop service since the 1950's. Drive-up dining only. This Frostop built in 1954. Open seven days.
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Greathouse of Pizza
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Hong Kong House - Charleston
Chinese restaurant with full menu - dine-in, carry-out or delivery.
CITY: Charleston
Jackson Avenue Coffee
Located one block east of historic Courthouse Square. Large selection of coffees and coffee drinks. Pastries. Salads. Entertainment. Next door to and communicating with Calliope Court Boutique.
CITY: Charleston
Jitters and Bliss Coffee and Treats
Large selection of coffees and teas, coffee drinks, home made ice-creams. Fresh baked breads and pastries. Sandwiches and soups. Gift baskets available.
CITY: Charleston
Joe's Pizza
Traditional Italian pizza restaurant with seating for 80. Every item is homemade by this family owned and operated establishment.
CITY: Paris
Kurly Q
Made to order, dine-in/carry out, seating for fifty, burgers and ice cream.
CITY: Paris
Lincoln Garden Family Restaurant
Family restaurant and 24 hour weekend diner. Skillets, gyros, pita wraps, salads, soups, pastas, omelettes, steaks,chicken ribs, sandwiches, seafood and childrens menu
CITY: Charleston
Los Tres Caminos
Authentic Mexican food, fine dining, take-out, seating for 99, imported Mexican beers.
CITY: Paris
Magic Wok
Magic Wok serves a wide array of Chinese specialties. Check out our website.
CITY: Charleston
Main Street Cafe
Seating for 90 people, homestyle cooking, everyday specials.
CITY: Paris
Monical's Pizza - Paris
Pizza, fast food.
CITY: Paris
Moonshine Store
The Moonshine Store is situated at a country crossroads near the town of Martinsville, IL. It is an adventure in itself just finding the place. What makes it special is the unique atmosphere of this little country store that is home to the famous "Moonburger". It has been featured on the CBS Morning Show. It is a "must stop" location for travelers with its guest book logging visitors from all 50 states and around the world. In April 2014, a new record was set where 3,251 burgers were served during a major motorcycle rally, the Moonshine Lunch Run.
CITY: Martinsville


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SPECIAL OFFERTotally Free Shipping and Assembly When Shipped To Store See details
- Overview
- Specs
- Reviews
GT Transeo 4.0 Comfort Bike - 2014Want a bike that's ideal for cruising the neighborhood or bike path? Taking a leisurely spin down country roads? Exploring fire roads or two-track? The 2014 GT Transeo 4.0 comfort bike is designed to handle it all.
Incorporating GT's Triple Triangle design, the Transeo 4.0's aluminum frame is strong, lightweight and uses what GT calls their "sport fitness geometry." The relaxed angles make the Transeo 4.0 comfortable, stable and extremely easy to handle. The bike's Suntour suspension fork with SpeedMech lockout provides 63mm of travel, which, although on the stingy side for serious trail riding, is plenty for the kinds of riding the Transeo was designed for. Plus, by eschewing a longer-travel fork, the Transeo's designers didn't add any unnecessary weight to the bike. With its 24 speeds and easy-to-use Shimano Rapid Fire Plus shifters, gear changes are super fast and smooth. Pro Max mechanical disc brakes provide superior stopping power and prolong the life of the wheel by braking on the wheel rotor, not the rim. Finally, a set of extra-wide, puncture-resistant tires help ensure that you and your Transeo will keep on rolling just about anywhere you decide to go.
- Exclusively Available to Ship to Any Retail Location
- Aluminum frame with sport fitness geometry
- Shimano 24-speed drivetrain
- SR NEX DS-MLO suspension fork with 63mm travel
- ProMax mechanical disc brakes
- Puncture-resistant Innova Land Tracker tires
Learn More:
Check out our Basic Guide to Choosing the Right Bike.
Check out our Basic Guide to Road Cycling.
Check out our Basic Guide to Mountain Biking.
GT Transeo 4.0 Comfort Bike - 2014
- bottom bracket:
- Cartridge Sealed
- brakes:
- ProMax DSK-310 Mechanical Disc Brake, 160mm
- cassette:
- Sunrace CM55 8-Speed Casette 11-32T
- chain:
- crankset:
- Suntour NEX 48/38/28
- fork:
- SR/Suntour NEX-DS MLO 63mm Travel, Pre-Load Adjust, SpeedLock Mech. Lockout, Disc Specific, Fender Mounts
- frame:
- GT Transeo Triple Triangle 7000 Series Alloy, Smooth Welded, and Hydroformed (TT,DT), Forged Drop-Outs, Chainstay Disc Mounts, All Utility Braze Ons
- front derailleur:
- Shimano FD M191
- grips/tape:
- GT Wings
- handlebar:
- GT All Terra Alloy MTB Riser Bar w/31.8 Clamp
- headset:
- Integrated 1 1/8" Sealed Bearing
- levers:
- Shimano EF-51
- pedals:
- High Impact Nylon Platform
- rear derailleur:
- Shimano Acera 8-Speed
- rear shock:
- None
- saddle:
- GT All Terra Bio-Morphic
- seatpost:
- GT All Terra Two Bolt Alloy
- shifters:
- Shimano EF-51 Rapid Fire Plus
- stem:
- All New GT All Terra Alloy Ahead Type +/- 7°
- tires:
- 700 x 40C Innova LandTracker w/Puncture Protection
- wheelset:
- Jalco DM-23 Double Wall Alloy, 32H
- rating:
- 4.5
You May Also Like
- GT Transeo 3.0 Comfort Bike - 2014 Our Price: $691.99 SALE: $499.00
- GT Transeo 2.0 Comfort Bike - 2015 Our Price: $850.00 SALE: $849.99
- GT Transeo 2.0 Comfort Bike - 2014 Our Price: $939.99 SALE: $699.00


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We're sorry, this frame is currently sold out.
(No reviews)
Tips To Finding Your Perfect Fit
- Do you know what glasses size best fits you? Search for the perfect fitting pair by narrowing your search based on your size measurements.
- Tip - Measure your current glasses. The size measurements can be found on the inside temple of your current glasses.
Glasses Size ChartGet a feel for what your general glasses size is with the size chart.
- Frame Width
- Lens Width
- Lens Height
- Bridge Width
- Arm Length
- Narrow Fit
- 128-144mm
- 42-48mm
- 20-26mm
- 16-17mm
- 130-135mm
- Average Fit
- 130-152mm
- 49-52mm
- 27-38mm
- 18-19mm
- 136-140mm
- Wide Fit
- 145-160mm
- 53-58mm
- 39-50mm
- 20-22mm
- 141-150mm
- Gender:
- Female
- Material:
- Color:
- Demi Blue
- Spring Hinges:
- Yes
- Progressive Eligible:
- Yes
- Lens Width:
- Lens Height:
- Bridge Width:
- Arm Length:
- 51 mm
- 35 mm
- 14 mm
- 135 mm
Size MatchHow will I know if these frames fit?
Product DescriptionThese William Rast WR1038 Demi Blue eyeglasses tell the world that you don't play by anyone else's rules. This frame is a deep royal blue with a border of brown and black tortoiseshell. With a subtle cat-eye appeal, these glasses are a style joyride.
About the BrandWilliam Rast was conceptualized and founded by Justin Timberlake in 2005. Grounded in the iconography of American heritage and biker culture, yet re-packaged in a contemporary context, William Rast delivers quality and fashion forward design. A complete men's and women's lifestyle collection, these glasses feature artist-inspired prints, playful complementary hues, and utilitarian symbols that create a strong visual identity.
Rates estimated for shipping to: United States
- Ground Shipping$9.95
If you're not completely happy with your item, return it to us for FREE!
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
Within 366 day of purchase, you may return your order in its original condition. See Return Policy.
Get FREE shipping on orders over $99. Use Coupon Code: FREESHIP at checkout. Cannot be combined with other offers.
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COPYRIGHT @ 2014 Coastal Contacts Inc. All rights reserved


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Explore the state of Delaware
The Westin Wilmington is located along the riverfront in Wilmington, Delaware. Enjoy a blissful night of sleep in the Westin Heavenly Bed® and rejuvenate yourself with the Heavenly Bath®. Wake up to views of the Christina River, Frawley Stadium and the Wilmington city line. The 180 guest rooms and suites are accompanied by an indoor pool and Westin WORKOUT® Fitness Studio. Dining locations on the Riverfront, Penn Cinema IMAX Theater plus, art galleries and museums are within walking distance.
|Offer Title
|Start Date
|End Date
|Offer Details
|Pay Rates Equal to Your Birth Year
|Get your second and third night at rates equal to your birth year. Happy birth year to you! • First night: rate from $164 • Second & third night: rate More...


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Todd Graham, Jeremy Gingerich 02/24/2014
The Park Service wants another large buffalo herd in the Great Plains, which would advance the Department of the Interior's Bison Conservation Initiative. In what may be a huge opportunity for the Oglala Sioux, a Tribal National Park is emerging in South Dakota—the first of its kind.
Shawn Regan 02/18/2014
PERC's new Policy Perspective explains how the government keeps tribes from developing their natural resources.
Reed Watson 01/03/2014
With less than a foot of rainfall each year, the Mojave Desert is not an obvious place to look for water. Reed Watson explores an innovative proposal to pump groundwater from the Mojave and move it to nearby Southern California municipalities.
Reed Watson 01/03/2014
In this case study, Reed Watson explores what the Scott River Water Trust is, how it works, and why others should be taking notice.
Laura Huggins 10/23/2013
The Endangered Species Act is expensive and ineffective in its reactive approach to conservation. Laura Huggins explores an alternative system of incentives for environmental stewardship prior to regulatory listing.
Warren Meyer 09/25/2013
Park agencies are partnering with private companies to keep parks open, well maintained, and generate a return for taxpayers.
Sierra Crane-Murdoch 11/28/2012
In this PERC Case Study, Sierra Crane-Murdoch explores the challenges facing a tribe atop the nation's biggest oil play. While mineral owners off the reservation have earned thousands of dollars for each acre leased, most allottees within have earned only a few hundred.
Emily Wood, Annie Beckhelling 08/17/2012
By the employment of dogs, farmers and conservationists are reducing both livestock lost to predation and cheetahs lost to predator control.
Roger Meiners, Andrew Morriss 04/11/2012
In this PERC Policy Series, Roger E. Meiners and Andrew P. Morriss argue that Rachel Carson's red flag was raised too high.
Bruce Yandle 04/10/2012
On Earth Day, Bruce Yandle offers a sobering proposition: The blueprints of our major air and water pollution control statutes were flawed at birth.


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Thanks for the link Colleen! It says that it scans into a 14 mega pixel image, so actually that is way higher than my camera right now. I have like 3 or 4 paper boxes (you know- the ones that 10 reams come in) full of pictures and negatives, so this is something that I need! Almost all of my 1st daughter's special pics are 35 mm.
I used one that was maybe $70 that my dad bought to scan my granparents pictures and it really wasn't the greatest. But I bought one to scan my husbands grandfathers slides - and a box for is fathers from 1950's and it ran about $150 and it was great. If you spend a little more, you will get your money out of it.
Some of the pics I scanned were amazing
Thanks Gina! When was it that you purchased the negative scanners? Prices seem to go down quickly with electronics. And $100 is almost in the middle of the two that you bought. ;)
I think I am going to give the one at Costco a try. If it has poor quality, I am just going to return it!
Last edited by Colleen; 04-23-2012 at 04:13 PM.
The one I purchased was in 2010. It's made by Wolverine and had the negative & slide holders. I liked it better than the one my dad found because I didnt have to hook this one directly to the computer if I didn't want to & it had a screen to see the photo when it saved and came with a SD Card! I found mine at compusa.
I recently had the slides my parents took of our family when I was a child scanned to digital by Costco. I chose them because they have the ability to do it on site (at least my location did). I was so worried about sending them off since they technically don't belong to me. Costco did a great job. I wasn't happy with some of the files because they have an auto correct feature that attempted to fix problems as the slides were scanned ... Exposure corrections, red eye, etc. I pulled the ones I didn't like and they rescanned them for me with the autocorrect turned off and didn't charge me for the rescans. I was very happy with how they turned out. They occasionally run a special on these types of services so you might want to watch for it and give them a shot. I'm sure there are differences between locations though ... I just thought I'd share my experience!
Colleen, when are you thinking of picking up this? I have a tax rebate that is coming (and already budgeted out), but I might splurge and get one of these if you give the thumbs up! I normally don't walk the "electronics" section at Costco, so do you know if this is something that they have on location?
I didn't even see the link when I first read that lol. It's the same brand but looks like it's somewhat different.
This is the one i have http://www.amazon.com/Wolverine-Digi...5209517&sr=8-1
Honestly it's such a cheaper route than having someone scan tons of boxes of negatives or slides. I had about 15 boxes to scan... it would of cost a pretty penny to have a company do it. I would say about $.50 per frame. It's time consuming but was worth watching his grandfathers face light up looking back at all those photos.


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103rd Illinois House District Candidates Carol Ammons and Sam Rosenberg
A democrat has long represented the 103rd district for the legislature in Illinois. Both Carol Ammons and Sam Rosenberg want to keep it that way. One of the two candidates will represent the district in the general election in the fall, but whomever that will be has to win the March 18 primary first. So far, Champaign county democrats have been divided.
Last week, Scott Cameron talked with Republican candidate Kristin Williamson, who is running unopposed. This hour on Focus, he talks with Ammons, an Urbana Alderwoman and Sam Rosenberg, a Champaign based attorney.
Do you have questions for Ammons or Rosenberg? Give us a call this hour on Focus or Tweet us @Focus580.


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New Arrivals
mouse over photo to zoom click for larger image
Solid Pleated Scarf
Crisp pleats ruffle this soft scarf in a color inspired by beach glass. Approximately: 61" L x 11" W. 100% Polyester. Imported.
We're so sorry: this item sold out sooner than expected. For an equally stylish substitute, please call our Style Experts at 1.877.948.2525. Or click on Live Help below for immediate assistance.


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Posted By shielawatterston | Nov 23,2014Coacɦ Tеnnis Shoes (click the up coming weƅpage) but Europe set tough demands that Univeгsal sell a...
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I'm rich as shit my nig....I quit u got it! Lol RT @Roscoedash: Yooo @Meekmill you must not be getting no money b!!
07/08/2014 - 20:51
I made things count today! http://t.co/sa4JUdCWto
07/08/2014 - 19:30
RT @NBCPhiladelphia: Hip hop star @MeekMill tours the scene of fatal fire to show support for the victims: http://t.co/k6u5TSVfEk http://t.…
07/08/2014 - 19:28
RT @coonphilly: Watch @meekmill Exclusive #DWMTM dinner! http://t.co/iAyRfIq4IO 9.9.14 #DreamChasers #MMG
07/08/2014 - 18:28
And since I'm in the hood lets do some great things! Come donate clothes"food and money for the 4 kids and that ... http://t.co/aTofkzgJSG
07/08/2014 - 16:41


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OUTDOOR RESEARCH Men's Radiant Hybrid Tights
Item: 27264776 Product Description >
Price: $80.00
OUTDOOR RESEARCH Men's Radiant Hybrid TightsBase layer tights with a technical combination of fabrics provide the perfect combo of warm, insulating fleece where you're most exposed to the elements and breathable light fleece where your body needs to let heat escape.
This product will be shipped directly from Outdoor Research and will leave their warehouse in 2-3 business days. Eligible for UPS ground shipping only.
- Hybrid mapped construction
- Polygiene active odor control
- Elastic waistband
- Adjustable drawcord waistband
- Two zippered hand pockets
Fiber Content: 95% polyester, 5% spandex front
Country of Origin: Imported
OUTDOOR RESEARCH Men's Radiant Hybrid Tights
Ventilation N/A Waterproof Material N/A Weight 13.3 oz. Type Outerwear Pants


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The latest, greatest issue of PaintballX3 Magazine is live and free for your reading, viewing, liking, rating and listening pleasure.
The Millennium is pleased to announce the launch of a one on one championship at this year's events, starting in Puget. The event will be high profile with as many games as possible being played on the CPL field & covered by the Millennium TV Webcast. It has been designed to reward the best players in the world.
Armo-Geddon is where it all started for Shoreline - our first ever event all those years ago! Well, it's now time for the 8th installment as once again Good takes on Evil in a battle to the bitter end.
Have you ever wondered how "those guys" build those amazing paintball turrets? Of course each has their own way of designing and building a paintball turret, but this is one of the better ones we've seen.
Oceanside, Calif. - November 25, 2013 - Today the APL announces the Official Divisions and Entry Fees for the 2014 Season. The APL is committed to to providing a competitive national level tournament circuit that remains affordable to teams and players. More than $20,000 in cash and prizes will be awarded at each event. More details on the tournament and season prize packages will be announced in coming weeks.
Shawn, you've been in paintball a long time and have accomplished a lot. Can you give our readers an overview of your resume in paintball?
From the first time I started playing when I was 12 with my Church, I was hooked. I loved everything about the sport. The running, the hiding, the shooting, the competition, the everything. I worked for my local paintball store when I was 15 and then opened my first paintball field when I was 16. It was an indoor field in San Diego called Sudden Impact Arena.
PaintballX3 Euro Magazine and Champions Paintball Series (CPS) have announced a media partnership for the 2014 season. As part of the new agreement PaintballX3 Euro Magazine will cover all four of the CPS events in 2014 in both its magazine and social media sites. Slava Ziugzda, founder of the CPS commented, "We're excited to have continued and expanded coverage of our series in PaintballX3 Magazine for the upcoming season. We're looking forward to a long term partnership that will help bring great media coverage of our events, teams and players."
The latest issue of PaintballX3 Magazine is live & Free for your reading, clicking, rating and viewing pleasure.
Introducing the Machine Gear loader. We hope that you will agree the wait has been justified. Some of the features of the new gear loader include:
Do you like the new site?


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Stay up to date with Sully, Tony, Robbie and Shannon by signing up to The Awakening, the official newsletter for Godsmack. Regular updates will be sent straight to your inbox, giving you the latest on album releases, tour dates, ticket sales and more.
All fields must be completed in order to join the mailing list.
Mailing List
On Sat, Nov 12, 2011 at 6:10 PM,
Bat Woman
godsmack rocks. i love sully.
On Fri, Sep 9, 2011 at 10:42 PM,
Bat Woman
sully you are the best. you really rock. this song got me hooked to you. love you sully.
On Fri, Sep 2, 2011 at 11:08 PM,
Bat Woman
a great tune. i can relate to the words sully is singing. i love sully.
On Tue, Jun 28, 2011 at 4:19 PM,
get so god damn loud they can hear you in NY f*cking City!!!
On Fri, Jun 24, 2011 at 6:22 PM,
Yupp I remember these days when Sully used to dance like that, at Ozz Fest Apple River Somerset WI. where I first fell in Love with Sully!
15 Results Found


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Men's Rash Guards & Layers
Shop for Rash Guards and Wetsuit Layers online from the top brands. If you have questions in regards to sizing, or would like to speak with someone about selecting the right rash guard or layer for your climate and intended use, please don't hesitate to give us a call and one of our expert staff will make sure you get the right fit, and functionality for your needs.
O'Neill Thermo 8oz Neo-Hooded Vest$64.95
O'Neill Thermo-X 13oz S/S Crew$59.95
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O'Neill Thermo-X Vest$49.95
O'Neill Wetsuits Skins Long Sleeve Crew Rash Guard - Lunar/Red/Smoke$39.95
O'Neill Thermo 8oz Neo-Hooded L/S$69.95
O'Neill Wetsuits Hammer Vest$49.95
O'Neill Wetsuits Skins Short Sleeve Turtleneck Rash Guard - Graphite$36.95
O'Neill Thermo-X 13oz S/S Crew 2012/2013
Regular Price: $59.95
O'Neill Skins Short Sleeve Crew Rash Guard - Graphite/Red/Black$37.95
O'Neill Hammer Vest - 2013/2014
Regular Price: $49.95
O'Neill Skins Short Sleeve Crew Rash Guard - Lunar/Blue/Black$37.95
O'Neill Skins Long Sleeve Crew Rash Guard - Black/Blue$39.95
O'Neill Wetsuits Hammer 2/1 Jacket$75.95
O'Neill Basic Skins S/S Crew$27.95
O'Neill Wetsuits HyperFreak 1.5mm Long Sleeve Crew$99.95
O'Neill Skins Graphic Long Sleeve Crew Rash Guard - Graphite/Blaze$41.95
O'Neill Thermo 8oz S/S Crew$49.95


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DIY Father's Day Gifts
On the third Sunday of June, we take time to celebrate Dad. Surprise him this year with something other than a necktie. These homemade crafts put a creative twist on classic standbys — you can even repurpose old presents from years past.
By Amy Roberts
Pitch Perfect
A way to prop up your fathers favorite reads with tokens of Americas favorite pastime? Now theres a homerun of a gift. The secret to knocking it out of the park: a couple metal brackets and some strong glue.


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Community Information Database
You are browsing the Subject Heading Web Sites which contains 3 record(s)
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- Earth911.org
Earth911, Inc. is a for-profit wholly owned subsidiary of Infinity Resources Holdings Corporation that specializes in providing consumers with accessible and actionable recycling information across th... [Full Record] [Add to Personal List]
- Santa Cruz Art List
The Santa Cruz Art List is a collaborative effort to announce local art happenings, form a community of artists, and document local art. ELIGIBILITY: Need to announce an art happening? Is it local ... [Full Record] [Add to Personal List]
- SantaCruzKids.com
Comprehensive online resource of childrens activities: Summer Programs organized by geographical location and color-coded by the activity; Calendar of Family-Friendly events in an actual calendar fo... [Full Record] [Add to Personal List]
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Macaroni & Cheese Recipe by Zingerman's
|Alex Young of Zingerman's Roadhouse in Ann Arbor.
|URL - Link:
Dinner just got the Zingerman's Roadhouse touch with this mac 'n' cheese recipe that's perfect for dinner or lunch! Read more about Zingerman's in the Metro Parent Crumbs blog.
|Cook Time:
|About 35-45 minutes
|Number of Servings:
|1 lb. macaroni
2 Tbsp. butter
1/4 cup diced onion
1 bay leaf
2 Tbsp. all-purpose flour
1 1/2 cups whole milk
1/4 cup heavy cream
1 tsp. Dijon mustard
1 lb. grated raw milk cheddar cheese (Zingerman's uses two-year-old raw milk cheddar from Grafton Village)
2 tsp. olive oil
Coarse sea salt
|1. Bring a large pot of water to a boil. Add 1 to 2 tablespoons salt and the pasta and stir well. Cook for about 13 minutes (if using Martelli) or until the pasta is done. Drain it and set it aside.
2. Meanwhile, melt the butter for the sauce in a large heavy-bottomed pot over medium-high heat (be careful not to scorch the butter). Add the onion and bay leaf and saute until the onion is soft, about 5 minutes.
3. Remove the bay leaf. Add the flour and cook for a minute or so, stirring constantly.
4. Slowly add the milk, a little at a time, stirring constantly to avoid lumping. When the flour and milk have been completely combined, stir in the cream. Keep the mixture at a gentle simmer (not at a high boil) until it thickens, 2 to 3 minutes.
5. Reduce the heat to medium. Stir in the mustard, cheddar cheese and salt. Simmer for 5 minutes and set aside.
6. In a heavy bottom skillet, over medium-high heat, get the pan very hot. Add olive oil and, when it begins to smoke, add the cheese sauce and drained cooked noodles. Toss thoroughly and continue to cook, stirring occasionally until you have approximately 15% of the mixture golden brown.
7. Taste and adjust the seasonings if necessary. Remove from heat.


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Coordinating Items
Price: $24 – 58
Price: $26 – 56
Price: $22 – 64
Price: $58
Price: $45
Price: $30
Purple Posies Outfit for Dolls
Item# F6374
Bitty Baby is ready for playtime in this cute purple outfit! It features:
- A tiered knit top with a delicate posy print and a fabric rosette at the waist
- A headband with a bow
- Stretchy leggings
- Soft-soled shoes with star-heart embroidery
Backordered until Feb 20, 2015
Please Note:
- Doll sold separately.
- Outfit fits both Bitty Baby and Bitty Twins dolls.
Explore Bitty Baby's world:
Little girls can giggle and learn with this precious one and her imaginative picture books.
Care InstructionsFabric care: Hand wash in cold water, line dry


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Spotlight Article:
Residential HVAC Mythbusting
Two nagging duct questions answered
Keep Reading
Ventilation/Cooling Method Needs User Input
archive CONTENT
Many U.S. homebuilders and buyers view compressor cooling as a necessity, even in mild climates. But the widespread use of compressor cooling causes several problems, especially in warmer regions like the West Coast. [continue reading]
Oversized Kitchen Fans--An Exhausting Problem
archive CONTENT
The Bigger is Better mentality strikes deep into the heart of the American home. Sure, American consumers will live with low flush toilets; they'll put up with low-wattage lights; but when it comes to the kitchen, they want the culinary equivalent of the sports utility vehicle. [continue reading]
Moisture Control In Bathrooms
archive CONTENT
Mold, mildew, failing grout, dislodged tiles, water stains, wet insulation, rotting walls--moisture in bathroom walls causes serious problems. [continue reading]
How Tight Are America's Houses?
archive CONTENT
Researchers at Lawrence Berkeley National Laboratory (LBNL) recently collected blower door data from across the country to analyze the airtightness of the U.S. housing stock. [continue reading]
Home, Home on the Range Hood
archive CONTENT
Exhausting heat and moisture in the summer can keep a house cooler and reduce air conditioning costs. And running a fan whenever someone is cooking will eliminate most water vapor, grease, and combustion products from the kitchen. [continue reading]
Ventilation Facts and Fallacies in Manufactured Homes
archive CONTENT
Window inlet vents are an alternate way to provide fresh air using an exhaust fan. When the fan is on, it slightly depressurizes the house, causing makeup air to enter through the window vents with minimal heat loss. [continue reading]
Experts Ponder Multifamily Ventilation Solutions
archive CONTENT
How do you use diagnostic equipment (such as blower doors, and pressure sensors) to measure air flows in high-rise apartment buildings? [continue reading]
Preventing Urban Heat Catastrophes
archive CONTENT
The heat wave in Chicago last summer created a great deal of human discomfort and, by many estimates, caused over 500 deaths in three days. The overwhelming majority of these deaths occurred in buildings with indoor conditions that were reported as stifling. [continue reading]
Lee Wallender
Spend a Weekend Weatherizing Your House: You Will Reap the Benefits for Years
If you could tackle a few easy tasks that would keep you warm and snug all winter – and save ...
Mike Kandel
BPI's Home Energy Auditing Standard Published as ANSI Standard
The Building Performance Institute, Inc. (BPI) is proud to announce that BPI-1100-T-2014: Home Energy Auditing Standard has been published ...


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Everyone is born with the potential to reach for a higher purpose. No one is left out of that equation. Be part of the conversation with Beth Mount as she talks about the ideals of citizenship, person-centered work and the call to Make a Difference with people.
The Citizen-Centered Leadership Development Community of Practice series is a unique combination of self-paced distance learning study, robust field work, interactive class assignments and live webcast instruction designed to advance theoretic and skill-based learning leading to quality outcomes in the lives of people with disabilities.
The training will be 2 sesion, October 15, 9am-12pm and 1pm-4pm. It will discuss the requirements of the five titles of the ADA, which are enforcement agencies and the changes introduced by the amendments.
Through the use of PowerPoint presentation, lecture and written materials participants will gain the knowledge and tools needed to provide critical information to SSI recipients with disabilities who are considering a return to work. Online polling will be used to test participant knowledge of work incentive utilization. A preparatory reading assignment will be provided and is required.
This session will review Title II of the ADA as it relates to state recreation facilities. It will also provide information on how staff can best serve and interact with people with disabilities.
When most people think of "disability," they think of someone who uses a wheelchair-or has a readily apparent disability. Yet, people with disabilities such as depression, bipolar disorder, learning disabilities, cancer, diabetes, multiple sclerosis or post-traumatic stress disorder represent a major segment of the disability population in America. Non-obvious disabilities have a unique dynamic and set of issues. People with non-obvious disabilities can make a choice about disclosing or discussing their disability. Also, the legitimacy of their disability status may be called into question. Many non-obvious disabilities invoke social stigma or a "blame the victim" mentality. Finally, the process of finding accommodations and modifications for people with non-obvious disabilities may not be as straightforward. What does accessibility look like for someone with a non-obvious disability? As a result of this workshop, participants will develop an awareness of non-obvious disabilities from a range of perspectives: legal issues, best practices and human choices.
This informational seminar provides basic information pertaining to benefits overpayments using lecture, PowerPoint and opportunity for question and answer. Online polling will be used to test participant knowledge. A preparatory reading assignment will be provided and is required.
*UPDATE: Due to the ongoing government shutdown, the originally scheduled webinar entitled "Proactive Compliance Strategies for Federal Contractors" has been canceled. In its place EARN will be rebroadcasting a webinar on the interplay between the ADA & FMLA.*
Presenters: Judy Young, Assistant Director of Training and Development, Employment and Disability Institute, Cornell University; and Susan Brecher, Director of Legal Programs and Human Capital Development, ILR School, Cornell University.
Description: The interplay between FMLA and ADA presents increasingly complex issues for employers as they try to navigate leave and accommodation requests. This is especially true with the expansion of the definition of disabilities under the ADA Amendment Act and the expensive settlements related to inflexible leave policies. This webinar will highlight the important responsibilities of HR, managers, and employees in engaging in the complexities of intermittent leave; requests for medical information in view of GINA obligations; and the interactive accommodation process. The webinar will include case studies and best practices for managing these multifaceted challenges.
The trainer will talk about disability and diversity to the children in 1st - 6th grade, and wll explain the importance of inclusion.
The trainer will discuss the myths and truths of people with disabilities and proper way to interact with them.
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