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Overdraft News
The latest news on overdraft fees, overdraft fees and other bank fees from the Center for Responsible Lending.
- Consumer Groups Say Overdraft Fees Still Too High
South Florida Sun-Sentinel 02 Sep 2011
One year after Congress aggressively went after overdraft fees, consumer advocates say banks are still imposing egregious fees to customers who overspend the cash available in their accounts. The median overdraft fee at the country's 14 largest banks, $35, remains unchanged from 12 months ago, according to a study conducted in June by the Consumer Federation of America. In total, national banks and other lending institutions will collect an estimated $38 billion in overdraft fees this year -- up from $35 billion in 2010 and from $31 billion in 2006, consumer watchdogs say, referencing estimates from economic research firm Moebs Services. Federal bank regulators are shaping new rules on overdraft fees, but many consumer advocates complain that the proposed rules still do not go far enough. For example, many of them would like to see banks blocked from manipulating the order of customer withdrawals from the largest amount to the smallest -- a practice that generates additional overdraft fees.
- Customers Still Avoid Fees, Survey Finds
American Banker 02 Sep 2011
A new study released by the American Bankers Association found that despite claims that free banking is in danger due to new regulations, more than 70 percent of customers are still receiving this service. The online survey, conducted by Ipsos Public Affairs on behalf of the ABA, polled more than 2,000 adults and showed that 71 percent of them reported paying no fees. Another 11 percent said they paid $3 or less in monthly bank fees, while 6 percent said they paid $4 to $6 a month. The findings come at a time when banks are preparing for reduced customer fees due to restrictions on debit interchange. According to research firm Moebs Services, nearly two-thirds of large banks have ended free checking since 2009 while adding fees or changing terms for an estimated 4 million consumer deposit accounts.
- What Regulators Have Proposed for Overdraft Fees
South Florida Sun-Sentinel 02 Sep 2011
The federal watchdog for national banks and thrifts has drafted updated rules on overdraft charges. The proposals would mandate a grace period of at least one day for a customer to add more money to an account before an overdraft fee is levied; that withdrawals be processed in an order not "solely designed or generally operated" to maximize fees; and that customers opt in for overdraft coverage on checks and wire transfers -- not just for transactions involving automated teller machines and debit card charges.
- Monthly Debit Card Fees Taking Shape
Chattanooga Times Free Press 01 Sep 2011
Big banks are phasing in monthly fees on debit card usage starting in October, while smaller banks are taking a wait-and-see stance before deciding whether to charge customers for bank card purchases. The new fees are designed to compensate for lost revenues stemming from the Durbin Amendment to the federal Dodd-Frank Act. First Tennessee, Regions Bank, SunTrust and Wells Fargo are among the large Tennessee-area banks testing fees ranging from $3 to $6 on certain accounts. "For those accounts with a monthly debit card fee, it will be assessed when at least one point-of-sale transaction is made with that card during a statement cycle," except for ATM withdrawals, says Mel Campbell, media relations manager for Regions Financial Corp. Meanwhile, smaller community banks like Chattanooga-based Cornerstone Community Bank may be able to avoid charging the fees, thanks to an exemption in the Durbin Amendment for small banks with less than $10 billion in assets. "I think what you'll see, at least at this bank, is us keeping things the way they are to try to bring customers to the community banks from the regional banks," says Frank Hughes, president and CEO of Cornerstone Community Bank. However, smaller financial institutions are concerned that eventually they may also have to start charging similar fees. "Nine times out of 10, when they do stuff like this it trickles down," says Blake Strickland, president and CEO at the 92,000-member Tennessee Valley Federal Credit Union. "I fully expect to see some kind of ramification from it."
- City Holding Settles Overdraft Suit
American Banker 25 Aug 2011
Charleston, W.Va.-based City Holding Co. announced that it has entered into an agreement to pay $3 million to settle a class-action lawsuit that accuses it of improperly assessing overdraft fees. Additionally, the firm said in a Securities and Exchange Commission filing that it will forgive $2.5 million in unpaid overdraft fees. Depositors brought the litigation against the company in July 2010, and Judge Jennifer Bailey of the Kanawha County Circuit Court recently approved the settlement.
- Capital One Deal With ING Could Be Slowed by Federal Reserve
Politico 25 Aug 2011
The Federal Reserve has hinted it may slow down a deal allowing Capital One to acquire ING Direct's U.S. operation, which would create the fifth-largest U.S. bank. Opponents say a merger would create a risky "too-big-to-fail" megabank. The Fed's board of governors this week ended public comment on the proposed merger, typically the last step before it approves a major deal, despite objections from activists and a letter from Rep. Barney Frank (D-Mass.), the ranking member of the House Financial Services Committee. Frank and others wanted the board to remove the deal from fast-track approval so the impact on consumers, and allegations that Capital One has a poor track record in low-income and working-class communities, could be more thoroughly examined. In an unusual step, however, the board indicated it would allow more comment on the matter, potentially giving activists more time to present their case. A Federal Reserve spokeswoman said earlier this week that no decision on the merger was imminent.
- Debit Rewards Are Still Available—in New Form
Associated Press 24 Aug 2011
Debit card rewards are undergoing a transformation. Several major banks in the past year ended or scaled back their debit rewards programs. To compensate, a few banks are teaming up with retailers to offer revamped programs that reward customers for spending at specific stores. The migration away from traditional rewards programs is a response to the changing business environment. Starting in October, a regulation will cap the fees banks can collect from merchants whenever customers swipe their debit cards. Under the new reward programs, retailers pay the banks a fee or share a portion of the profits whenever customers act on an offer, which is expected to help banks offset the loss in revenue from swipe fees. Financial research firm Aite Group estimates that banks will reap $1.7 billion a year in revenue from these merchant-funded rewards by 2015. Aite found that about 30 percent of customers enrolled in merchant-funded programs end up redeeming at least one offer, a figure that could rise significantly once more retailers join the programs and the offers become more customized.
- Miami Has the Nation's Highest Overdraft Fees
Miami New Times 23 Aug 2011
More than one in four Americans with checking accounts -- 26 percent -- overdraw their available funds at least 10 times a year, but Miamians are paying steeper overdraft fees than anywhere else in the country. Moebs $ervices collected information from 1,240 banks, 1,292 credit unions, and 832 national retailers and found that the average overdraft fee varies from city to city. Miami, Fla. has America's highest median fee for overdrafts under $100, at $30.95. Across the country, in San Francisco, overdrafters are paying only $22.50 in fees. "Obviously the institutions in the Bay Area of San Francisco recognize the consumer need for a safety net, while in Miami an overdraft is still a penalty," said Michael Moebs of Moebs $ervices.
- Big Banks Offer Payday Loans by Another Name
CBS News 23 Aug 2011
A number of the country's biggest banks may begin offering payday loans under a different name. While a few large banks already allow customers to borrow against their paychecks for a fee, there are signs that the option could soon become more widely available. Banks say the short-term loans are meant for emergencies, but consumer advocates claim the direct deposit loans carry the same predatory traits as payday loans. Consumer groups claim the bank emergency loans also have fees that amount to triple-digit interest rates, are characterized by short repayment periods, and have the potential to trap borrowers in a cycle of debt. But banks claim the direct deposit loans provide safeguards to prevent over-reliance. Wells Fargo offers the short-term loans and allows customers to borrow up to half of their direct deposit amount or $500, whichever is lower. However, its interest rates still add up to 261 percent, higher than any traditional loan. Some consumer advocates claim that even half the amount of borrower's next direct deposit can be a significant setback and is likely to make him or her need another loan to cover living expenses in the near future. A recent study by the Center for Responsible Lending found that direct deposit loan users relied on the short-term loans for almost six months of the year. "When you're allowed to be indebted for six billing cycles in a row, that's not a short-term loan," says CRL's Uriah King. "They call them short-term loans, but that's just not how they're used. And banks know that."
- UVA Researcher Looks at Banks' Effects on Neighborhoods
National Public Radio 19 Aug 2011
It is not surprising that banks are drawn to wealthy areas; but as it happens, they may also help make communities safer and better off. To find out more about that relationship, a University of Virginia researcher has been studying what transpires when banks move out of poor areas and why credit unions and banks can pay large neighborhood dividends. Greg Fairchild, director of the University of Virginia's Taylor Murphy Center, analyzed communities where banks have closed branches over the past few decades as a result of consolidation. "The areas outside of Northern Virginia, outside of Richmond, outside of general affluence were where the areas where bank branches were likely to decline," he determined. And when the banks vacated, he said, predators moved in. "These would be check cashers, payday lenders, automobile loan companies, title loan companies," he specified. Such businesses frequently charged very steep rates, up to 300 percent on loans, and predatory lenders were not the only ones who swooped in on bankless consumers. Moreover, the dearth of banking services made these workers vulnerable to violent crime -- robbery especially -- after paydays, Fairchild says. But when communities had banks, crime rates decreased, and that helped drive up property values.
- US Banks Begin Charging Monthly Debit-Card Fees
Dow Jones Newswires 17 Aug 2011
Wells Fargo is joining a growing number of banks that are introducing or testing a monthly fee for debit cards, casting around for revenue lost to debit-card regulatory restrictions. Wells Fargo will charge a $3 fee for debit and ATM cards as of Oct. 14 in several states if such cards are used for purchases (but not for ATM usage). The bank says it is a pilot program, and it will monitor how people respond. JPMorgan Chase has been testing a fee in a small market in Wisconsin since February. Other banks, such as Regions Financial and SunTrust Banks, decided recently that debit cards for some of their checking-account customers will carry a $4 and $5 monthly fee, respectively. Like Wells Fargo, Regions says it will charge the fee only if the card is used for purchases. TCF Financial is mulling monthly debit-card fees for customers as well as charging customers who use their cards more than a certain number of times, a spokesman says. "Every bank around I think will ultimately end up with some type of fee," he says. "We are in the decision phase."
- Debit Overdraft Fees, While Voluntary, Are Still Steep
New York Times 16 Aug 2011
A review by the Consumer Federation of America finds that even though banks now must get permission from their customers before charging overdraft fees on debit card purchases, the fees they charge are still high -- and some big banks have increased the maximum number of overdraft fees customers can run up each day. The typical overdraft fee at 14 large banks in the year since the Federal Reserve required banks to have customers "opt in" to debit overdraft protection is still $35, with some charging as much as $37 per incident. That far exceeds the typical debit card overdraft of $20, the report notes. While the Federal Reserve now requires customers to actively choose the debit overdraft option, they can always change their minds and "opt out" if they are paying too many fees. The federation would prefer that regulators require that banks simply deny debit transactions if an account lacks the funds to cover a purchase or withdrawal. Citibank has always followed that policy for debit cards and ATM transactions, the report notes, and HSBC does now as well. Bank of America does not permit debit card overdrafts for single purchases, the report says, but does allow consumers to overdraw at the ATM -- at a cost of $35 per transaction -- with customer approval each time, at the point of transaction.
- Don't Forget About the Under-Banked Consumer
The Hill 10 Aug 2011
Drew Edwards, CEO and founder of Chexar Networks, Inc., says in this blog posting that banks historically have been unwilling to change their product offerings to meet the legitimate needs of the underbanked -- a massive consumer group -- by adding services such as check cashing, money transfers, walk-up bill payments, and prepaid Visa/MasterCard debit cards. Now, banks are growing more and more focused on redefining their product set to meet the needs of these consumers by offering them the services they are purchasing today at the corner check casher or store. This change in mentality has been driven by recent legislative changes in Washington that will significantly lower the fee income these banks generate from deposit accounts, debit cards, and credit cards. Forced to re-examine their fee income models, banks have spent the past year performing internal analysis that has helped them to realize that as much as 25 percent of their current deposit account holders are actually going outside the bank to procure these services.
- The $169 Billion Hidden Market: People Without Banks
Strategy+Business 05 Aug 2011
According to FDIC data, an estimated $169 billion in income never flows through a bank or credit union. For years, banks have experimented with winning over "bottom of the pyramid" consumers in the U.S., and many have concluded that the effort was too risky and not lucrative enough. However, researchers from the University of Virginia Darden School of Business spent a year studying the issue and conclude that some different approaches could prove more successful in attracting deposits from the millions of households that have no relationship with a bank or credit union. The rapidly growing Latino population is particularly underserved, the researchers say. Several factors make the Latino population particularly attractive. Many Latino households feature more than one adult generating income, and the group's workforce participation is high. While some unbanked Latinos are undocumented aliens who would have trouble opening an account without a Social Security number, many others are just put off by deposit requirements and language barriers, and turn instead to check-cashing stores and payday lenders that cost more to use. Banks and credit unions could hire more employees who speak Spanish, educate staff members on cultural issues, and help customers with paperwork. Banks could also offer incentives to employers to bring staff members to the bank, or hold "sign-up" days in workplaces during which the benefits of banking — especially the absence of check-cashing fees — are promoted. Finally, the researchers argue that bank managers should get out the message that bringing large numbers of unbanked households into the system lowers the risk of crime. Because unbanked consumers carry cash or keep it at home, they are often the victims of violent robberies.
- Overdraft Fees Remain Steep at Largest Banks
ABCNews.com 04 Aug 2011
According to a new survey by the Consumer Federation of America (CFA), the country's banking heavyweights are still levying high overdraft charges. The research found that the median overdraft fee remains at $35, with some banks charging as much as $37 per transaction, and that two-thirds of banks still pile on fees if customers do not bring their accounts back in line within a certain amount of time. For example, JPMorgan Chase charges an "extended overdraft" fee of $15 after each five-day period that an account remains in the negative. CFA's survey results come a year after new regulation took effect requiring banks to obtain approval before signing customers up for overdraft programs. However, the rule does not require banks to limit how much they charge on the fees, and there is no cap on the number of times a bank can penalize customers for a single violation. The survey found that banks still allow for several overdraft fees to be charged in one day, as well. The findings were based on overdraft polices at 14 of the country's biggest banks as of June.
- ING Buyout Worries Fair-Lending Advocates
Delaware Online 02 Aug 2011
Consumer advocates are voicing concern over Capital One's buyout of ING Direct USA. The National Community Reinvestment Coalition (NCRC) has asked the Federal Reserve to hold public hearings on the matter, claiming the acquisition could set the country up for more economic turmoil. If the merger does goes through, Capital One would become the country's fifth-largest bank. "Should a systemically important bank be allowed to become bigger without a clear case that it will benefit society? The answer is emphatically no," according to NCRC President and Chief Executive John Taylor. The organization has filed a complaint with the U.S. Department of Housing and Urban Development, claiming the bank is violating fair-lending laws.
- Union Bank of California's Debit Card Overdraft Lawsuit
Business Insider 01 Aug 2011
San Francisco-based Union Bank is the latest big financial institution to face litigation over its overdraft policies, which, according to a plaintiff's lawyer, generated $18 million year in revenue by manipulating the order in which customers' transactions were processed. The case, which has been granted class-action status, argues that the bank posted checking account withdrawals not in the order in which they occurred, but rather in a sequence that allowed it to maximize overdraft charges against the customer. To illustrate, a woman with $50 in her account who then makes a $5, $10, and $110 purchase -- in that order -- throughout the course of a day would overdraw her account only on the final transaction, triggering a single fee of about $35. However, processed from largest transaction to the smallest, that same customer would overdraw three times, incurring more than $100 in fees and possibly denting her credit score. Today's bank customers must opt in to overdraft programs, instead of being automatically signed up for them; and nearly one in three do. However, consumer activists fret that that these spenders are doing so against their best interests -- often as a result of aggressive marketing strategies employed by banks -- and for unjustified reasons, such as being afraid of receiving a fine or simply wanting banks to stop pushing the issue. "What really matters is who is opting in," says Leslie Parrish of the Center for Responsible Lending. "Is it that very profitable group of customers that overdraw their account frequently? Unfortunately, those are the most financially vulnerable customers."
- Free Student Checking May Come at a Price
USA Today 01 Aug 2011
Many financial institutions offer "free" student checking accounts; however, fees associated with some of those accounts -- for ATM usage, overdrafts, and other services -- can eat into the already strained finances of a cash-strapped college student. Fortunately, those costs are avoidable. Many large banks and credit unions offer student checking accounts, which typically have low minimum-deposit requirements and no monthly fees, as long as accountholders meet certain conditions. Financial institutions are not doing this out of the kindness of their hearts, however, says Richard Barrington, personal finance expert for MoneyRates.com. They assume college students will not stay poor forever and hope they will continue the banking relationship once they begin making money. Many student checking accounts can be opened for less than $25, but the ongoing minimum requirements for free checking are important, as well. Students often run their accounts "right down to the edge," Barrington says. One way to avoid ATM withdrawal fees on "free" student checking accounts is by opening an account at a nationwide bank. This is especially important when attending a college far from home. "You want to get an idea of what the bank's footprint is, so you're able to continue to use your own bank's ATM while you're at a college and while you're at home," Barrington says. "Fees from another bank's ATM are pretty steep." Paying an average of $30 each time the account is overdrawn is another way to lose money, and Barrington says that students should track their spending online or sign up for automatic text alerts when their funds fall below a certain threshold rather than enroll in an overdraft protection program.
- Do You Bank Online? You Probably Pay More for the Convenience Than You Think
Time 01 Aug 2011
For tech-savvy consumers, online banking and other tools are a huge leap forward in convenience, freeing users from hassles like driving to an ATM and sending checks through the mail. But banks get even more out of this arrangement than their customers do, allowing them to retain their customer base in the future even as they hike fees and offer fewer traditional perks. According to the financial services technology company Fiserv, about half of all customers who pay bills online say they are less likely to switch financial institutions as a result. "The likelihood of attrition goes way down the deeper a customer gets into online services," explains Geoff Knapp, vice president of online banking and consumer insights at Fiserv. "There's clearly a hassle factor in that once you get that deep, the level of ire you have to have to go through the whole process and unwind is significant." To some degree, this loyalty is deserved. Online banking customers report higher levels of satisfaction with their financial institution. The problem is that this loyalty seems to make customers more complacent about fees and less willing to shop around. Knapp says banks are seeking alternate sources of revenue after financial regulation curtailed credit card and overdraft charges. Charging for new digital services like the ability to pay another person directly using one's smartphone could be a strategic way for banks to recoup some of those losses.
- Report: Consumers Want Transparent Checking Accounts
CreditCardGuide.com 28 Jul 2011
According to the findings of a new survey by the Pew Health Group, American checking account holders agree overwhelmingly that they want greater bank transparency on terms, conditions, and fees -- even if that means more government intervention. Nine out of 10 adults polled said they are tired of rules embedded within mountains of disclosure forms, of feeling vulnerable to overdraft fees, and of trying to break down complex and technical language. "For a consumer to be able to figure out … the terms and conditions of their checking account is nearly impossible," says Susan Weinstock, director of Pew's Safe Checking in the Electronic Age Project. The study shows that 83 percent would like to see banks provide a summary of overdraft options they offer, how the options work, and a description of the fees; 78 percent say banks should be required to provide a one-page summary of information about their checking accounts; and 70 percent want banks to be required to process transactions in the order in which they occur as opposed to processing them from highest dollar amount to the lowest dollar amount. In light of the findings, the Pew Safe Checking project is calling on the new Consumer Financial Protection Bureau to force banks to make changes. Lauren Saunders, managing attorney for the National Consumer Law Center, says the CFPB is a good place to start and notes also that the federal Office of the Comptroller of the Currency has extended the public comment period until Aug. 8 for consumers to weigh in on pending OCC guidelines governing overdraft fees and payday loans, with comment forms available through the Center for Responsible Lending. "Banks have done a lousy job of telling people safe and affordable ways of covering overdrafts and in disclosing their fees," says Saunders. "They are getting ever more inventive with more hidden fees and Americans are fed up. They want to know what the affordable ways of being protected from overdraft fees are, rather than being shunted into the most expensive, dangerous forms of overdraft protection."


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subset: commoncrawl


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(Physicians will confer a favor by sending for this department items of news of more or less general interest; SUCH as relate TO SOCIETY ACTIVITIES, new HOSPITALS, EDUCATION, PUBLIC HEALTH, ETC.)
Advisory Board Appointed.
—The following physicians have been appointed members of the City Health Department of Sacramento: Dr. Andrew M. Henderson, president; Dr. William K. Lindsay, secretary; and Drs. Eugene H. Pitts and Samuel J. Wells.
Tuberculosis Hospital Ready.
—The new tuberculosis sanatorium for Fresno County, erected at a cost of $12,600, was opened to receive patients, July 18. The building consists of the main structure and two wings and will accommodate fifty patients. Dr. John D. Morgan is superintendent of the institution.
Billings to Give Lane Lectures.
—The next course of
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June 30, 2010 in Food on Page C1 Strawberry shortcake is usually the easy answer to dessert on the Fourth of July. The delicate fruit is ripening and its unadorned flavor is summer simplicity itself. So, when word …
Adventist Joseph Nally says a vegan lifestyle leads to life of happiness
June 23, 2010 in Food on Page C1 There's actually such a thing as a "bad vegetarian." At least, that's how Joseph Nally once identified himself. In his desire to be healthy and to lessen his impact on … 1


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It is awesome how Mikey Garcia was recieved in Puerto Rico. I know he has a lot of fans on the Island to include those boxers from the Island were present and that look up to him. I feel he is indeed a positive example for the youth and I know he will be a champ for a long time. Wish him the best!Posted March 12, 2013 11:59 am
The El Paso Fight Prophet
Congrats MIkey, Keep it shiny and polished.Posted March 12, 2013 8:53 am
A lot of other countries could learn alot following the Great example that Puerto Rico and its people have set recieving Boxers from other countries with respect and acceptance…Posted March 12, 2013 7:32 am
The Mad Scientist
I think this kid Garcia is gonna be around for a while making noise in the sport of boxing.Posted March 11, 2013 10:07 pm
Congrats to Garcia!! He EARNED it.Posted March 11, 2013 9:13 pm
Martin "EL BRUCHADOR" Honorio
Much deserving of the belt, he beat a one-hell-of-a-bad-ass-dude salido.Posted March 11, 2013 8:45 pm


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Article posted Jul 07 2010, 5:26 PM
Tyranny/Police State
William Norman Grigg
Costumed Government Goons vs. Children and the Elderly
by William Norman Grigg
Former Martinsville, Indiana Police Captain William Jennings Ś a jowly adult male of expansive carriage Ś
assaulted a 10-year-old, 94-pound boy last March 30 at Tender Teddies Day Care.
The police
had been summoned by the manager to deal with the ōunrulyö boy
, who quite understandably put up what struggle he could when armed strangers placed their hands on him: The child ōbegan kicking as [the police] tried to restrain him,ö
in the words of a local news account
Eventually the child calmed down, but Jennings decided to administer a little ōstreet justiceö by slapping him in the face. His partner, Officer Darren Johnson,Ā reacted to this outburst of gratuitous violence by ōadminister[ing] the stun gunö Ś to the 10-year-old victim.
ōI told my captain after we left ģ `I didnÆt want to tase that 10-year-old child,ÆöĀ Johnson told a disciplinary hearing. ōItÆs not something I expected doing until the point my superior officer took the action that he did. I felt the situation was out of control and IÆm sorry it had to come to that.ö
Johnson, significantly, is the one who testified that the child had already calmed down prior to JenningsÆ assault and his own decision to employ his portable electro-shock torture device.
According to his family, Jennings ōis good with childrenö and has ōnever been violentö Ś that is,
until he was swaddled in a government-issued costume
and clothed in the supposed authority to use potentially lethal force against any Mundane (even a 10-year-old child) who
displays anything other than reflexive submission to the Sanctified Agents of Government Coercion
Jennings compounded his aggravated assault on a child with perjury by neglecting to mention the slapping incident in his official report. JohnsonÆs act was nothing less than felonious assault on a child with a deadly weapon. Predictably, both have been cleared of criminal wrongdoing.
Jennings was forced to resign, thereby becoming a
ōgypsy copö
will probably find employment in the same field elsewhere
without much difficulty. Johnson faces a 45-day unpaid suspension and two yearsÆ professional probation Ś which means that he will be back on the job in a month and a half, when he should be headed for prison.
Robert Threadgill, an inoffensive 80-year-old man from Wimberly, Texas, was severely beaten by four heroic paladins of public order on June 22 after being falsely accused of ōtrespassingö on public land near a local fishing hole.
As the octogenarian attempted to address the concerns raised by four intrepid deputies from the Hays County SheriffÆs Office, his son Stephen Threadgill approached the scene out of concern for his father.
After Robert assured Stephen that everything was all right, the younger man turned around Ś only to be clubbed in the head from behind by one of the stalwart defenders of public order. This valiant specimen was joined by a comrade who beat the victim severely before dragging him seventy feet to a patrol car.
While Stephen was being assaulted, Robert was thrown to the ground by two other deputies, who injured the elderly manÆs shoulder so severely that surgery will be required. When RobertÆs 78-wife arrived, she, too was threatened with ōarrestö Ś that is, criminal assault and kidnapping.
Neither Stephen nor Robert was formally placed under arrest. They sat suffering in a patrol car until a team of EMTs Ś who heard about the incident over the fire departmentÆs radio scanner Ś arrived and examined their injuries. At the time, Stephen was unconscious.
As the victims were bundled into an ambulance, one of their assailants taunted them by saying that ōjust because you are going to the hospital doesnÆt mean it will end there.ö
Robert Threadgill, a slight man around 5Æ8″ tall, ōwas heard begging for the officers to stop hurting him and his son,ö
relates his daughter, who has published photographs of the victims
. ōStephen is about 5Æ5″, 125 pounds. I canÆt imagine that they presented any kind of threat. A witness described the events as totally unprovoked and a vicious attack on an elderly man and his son who was walking away from the scene.ö
As is
always the case when badge-wearing bullies commit criminal assault
, the primary victim, Robert Threadgill,
has been charged
the non-crime ofĀ ōresisting arrest,ö
but to date neither he nor his son has been charged with trespassing. The SheriffÆs office has denied requests for the arrest report and refused to comment on the case. Then again, why should they bother? After all,
itÆs not as if someone important was hurt
Email This
Tyranny/Police State
Pot Breathalyzers: Coming Soon to A Drug War Near You
City Settles After Police Chief Arrested Man For Calling Public Official A 'Liar'
Drone Pilots Have Bank Accounts and Credit Cards Frozen by Feds For Exposing US Murder
World's Most 'Adorable' Drug Kingpin Is Actually The Daughter of Texas DEA Head Honcho
Heroic Cops Protect Community by Raiding a Group of 90-Yo Women Playing Mahjong
VIDEO: Language Barrier Leads to Seattle Cops Punching Man 17 Times
Video Of Chicago Cop Murdering Teen Shows Another Shooting of Convenience
California Police Used Illegal Wiretap Warrants in Hundreds of Drug Prosecutions
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Posted: Jul 08 2010, 1:47 AM
First off, anybody that calls the police and not the parents over a ten year old should be subjected to the same irrational behavior dealt this poor boy.
He will now grow up with fear for the cops which becomes real tiring and when he's an adult that fear will be replaced by actions. The police are so pitiful they can't even deal with a ten year old without using a taser. What absolute cowards, how do they deal with their own ten year olds? Taser them into submission? I would sue the crap out of that county that's condoning such egregious actions and arrest immediately the cops involved.
Any officer that slapped and tasered my boy would be hunted like a dog and beaten within inches of his life. I am very non-violent UNTIL you touch my family then I'm justified in my lethal actions which won't be so nice. If the parents do nothing and allow this to take place I would invite them to a tasering to zap some reality into their heads. It's real it requires your immediate attention and you better defend your family or your next!
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Saturday, August 22, 2009
© Copyright 2015 Newton Citizen
BRISTOL, Tenn. - Alan Gustafson gambled at Michigan and it cost driver Mark Martin dearly in his chances to make the Chase for the championship.There was no chance, though, they'd change their strategy at Bristol Motor Speedway, even though Martin is clinging to a berth in the 12-driver field. Gustafson went with an aggressive setup Friday that won Martin the pole, his fifth of the season. 'It feels like I'm carrying a 200-pound gorilla on my shoulders,' Martin said after turning a lap at 124.484 mph. 'I didn't need to choke today and we got a great lap. It's a real big battle, mostly because I want to make the (Chase) for my team. For me, I've had lots of brutal disappointments. I care for this team, that's why I want it so bad. They want it so bad, and they dig so hard.' Martin and the No. 5 Hendrick Motorsports team head into tonight's race with a precarious 12-point lead over Brian Vickers, the 13th driver in the standings. Despite a series-high four wins this season, they're in this position because of early season bad luck and a disastrous pit call last week. Gustafson gambled and didn't bring Martin in for fuel, a gaffe that turned a certain top-10 finish into a 31st when the tank ran dry in the closing laps. Gustafson said Friday he immediately regretted the decision, but learned a valuable lesson. 'It was a poor job of considering the big picture, and, knock on wood, I'll be better about that in the Chase,' he said. SideBar: NASCAR · What: Sharpie 500 · When: Today, 6:30 p.m. · Where: Bristol Motor Speedway · TV: ESPN
More like this story
- Sports briefs ( August 23, 2008 )
- Martin oldest to win pole at Indianapolis ( July 26, 2009 )
- Mark Martin wins first pole since 2001 ( March 7, 2009 )
- The Ageless Wonder
Martin spurns retirement for Hendrick ride ( February 10, 2009 )
- Caution: Momentum shift ahead, Johnson enters the Chase ( September 12, 2013 )


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Personal Detail
Name : Beena Qureshi
Husband's Name : Mir Arsalan Hussaini
Nationality : Pakistani
Date of Birth : May 31st 1983
Voice : 00971-55-5712942 / 00971-55-1349770
Email : firstname.lastname@example.com
Port Folio : coroflot.com/qureshibeena/portfolio?keywords=beena+qureshi&
Looking forward to an organization having professional environment where I can apply my educational and professional background to gain more expertise.
Educational Qualification
University of Karachi ( Dept. of Visual Studies) Bachelors in Graphic Designing
2005 1st Division
DHA Degree College Intermediate Science Group
2001 Grade " A "
Gulistan Shah Abdul Latif School Matriculation Science Group 1999 Grade " A - One"
Academic Experience
Final Thesis
Kids Restaurant as Big Bite
(Designed Logo, stationary, posters, press/ magazine ads, menu, mobile, napkin, etc.)
Mini Thesis
Revitalization of Radio Pakistan
(Designed whole campaign to renew old image of radio Pakistan)
Assignments of sketching, drafting, illustration, packaging, color theory, photography, philosophy, basic design, editorial design, tvc, stop motion animation.
Work Experience
Shuttle Advertising - Dubai
Senior Designer from 3rd Nov 2008 – 25th Nov 2009
Frequency (Pvt).Ltd. - Pakistan
Art Director from 9th June 2006 - 5th Dec 2007
Tni Communication. - Pakistan
Visualizer / Concept Writer from 2nd March 2006 - 8th June 2006
Pakistan Textile Magazine - Pakistan
Graphic Designer from 1st Jan 2006 - 1st March 2006
Orient Mccann Erickson
9th June - 9th July 2005
Argus Advertising
1st March - 30 April 2004
Mass Media
1st June - 30 July 2003
Computer Skills
• Adobe Illustrator
• Adobe Photoshop
• Adobe Indesign
• Quark Express
• Macromedia Freehand MX
Other Skills & Interests
Water Color, Glass / Pot / Fabric Painting, Pastels and Charcoal Drawing, fashion & interior designing, driving.
• Acquired 1st position in final thesis in Karachi University 2005.
• Win photography competition for foto line magazine 2003.
• Win salad competition in DHA College 2000.
• 3rd position in matriculation board examination 1999.
• Win Poetry competition in school 1997.
• Full attendance award in school 1997.
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Languages: Spanish, English, Chinese (Mandarin), Japanese
Learning: Chinese (Mandarin), Japanese, English
Female, From Mexico, Living in Mexico
Local time: Nov 29 20:10 (Eastern Standard Time)
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Holiday Brochures and Tourist Information for Sussex
Battle Holiday Brochure
This charming market town grew up around Battle Abbey and takes its name from the famous battle between England's would be rulers William Duke of Normandy and the Saxon King Harold. On 14th October 1066, this area witnessed the most celebrated confrontation to take place on English soil – the Battle of Hastings, an event so significant it completely changed the course of English history.
Eastbourne Holiday Brochure
Eastbourne reflects the very best of the British south coast. This award-winning resort has a quintessential Victorian charm. Discover the elegant seafront, iconic Beachy Head with its dramatic chalk cliffs and lighthouse, the Pier and renowned Carpet Gardens, exciting events, scrumptious restaurants and attractions for all the family.
Worthing - The Sussex Coast and South Downs Holiday Brochure -
Located on the glorious Sussex coast, nestled beneath the South Downs National Park, Worthing is one of the sunniest spots in the UK and a water sports hot-spot. It offers the very best of the classic British seaside alongside history, heritage, culture and a fantastic events programme.
Sussex is nowadays divided into 2 separate counties - East and West Sussex. East Sussex covers almost 700 square miles and has a population of about 700,000. The administrative centre for East Sussex is Lewes.
The county of West Sussex lies in the south east of England. According to tradition the Saxon Ella landed here in 477, defeated the inhabitants and founded the kingdom of the South Saxons (the origin of the name Sussex) which was absorbed by Wessex in 825. West Sussex covers an area of just under 800 square miles and has a population of about 700,000. It's administrative headquarters is the town of Chichester.
Major towns in West Sussex include
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Attractions in this county.....
The Weald is a natural attraction in the area and Arundel Castle and Goodwood are among the main attractions.
The "spine" of Sussex is the South Downs, an ancient chalk ridge that separates the Weald from the English Channel. The South Downs Way footpath runs for 80 scenic miles from Beachy Head to Buriton in Hampshire. Much of the Weald, once an ancient forest, is now farmland - but some areas, such as Ashdown Forest, are still preserved in more or less their original state. The rivers Adur, Ouse, Rother and Arun, have cut their way through gaps in the chalk, draining into the English Channel.
The county of East Sussex in the south east of England has a special place in the history of England. According to tradition the Saxon Ella landed here in 477 defeated the inhabitants and founded the kingdom of the South Saxons (the origin of the name Sussex<) which was absorbed by Wessex in 825. But it is the year 1066 which gave this area its greatest claim to fame however when the Battle of Hastings was fought and the Norman King William triumphed over King Harold. The site of the Battle of Hastings is at Senlac Hill near the appropriately-named town of Battle. The whole of this area is now known as 1066 Country.
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Bitesize Britain allows you to order free holiday brochures featuring Sussex tourist information, things to do and see and places to stay – accommodation mostly inspected and graded by the Sussex tourist board or similar organisation.


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PALM BEACH GARDENS, Fla. (November 12, 2015) – Outdoor instructional workshops, daily keynote sessions, certification programs and classroom seminars create a comprehensive educational calendar at the 63rd PGA Merchandise Show in Orlando, Jan.
David Hutsell has the easy-going temperament that one needs to shake off any obstacle in your path. It is one reason why the PGA director of instruction at The Elkridge Club in Baltimore went on to win a PGA Professional National Championship last summer.
16 May 2012 - 11:02am - 0 Comments
PALM BEACH GARDENS, Fla. -- The PGA of America, World Golf Foundation and Executive Women's Golf Association (EWGA) have partnered to present Welcome to Golf-Get Golf Ready Clinics for women at 10 sites across the country.
16 May 2012 - 10:54am - 0 Comments
(May 1, 2012, New York, NY) -- UJA-Federation of New York brought together hundreds of top sports industry executives and professionals to join in honoring Joe Steranka, chief executive officer of The PGA of America, at UJA-Federation's Sports for Youth Luncheon on Tuesday, May 1, 2012, at
1 May 2012 - 3:45pm - 0 Comments
PALM BEACH GARDENS, Fla. -- The PGA of America, Golf Digest and Nike Golf have partnered to launch Welcome to Golf Month in May, a new Play Golf America program evolving from PGA Free Lesson Month.
1 May 2012 - 8:21am - 0 Comments
24 Apr 2012 - 4:22pm - 1 Comments
It has been more than an average spring for PGA Professional Kim Moore, a former University of Indianapolis standout player turned groundbreaking golf instructor.
24 Apr 2012 - 4:09pm - 0 Comments
PALM BEACH GARDENS, Fla. -- Get Golf Ready, a profile of how the golf industry is making the game more fun and enjoyable while also building life relationships among multiple segments of society, will be presented by CBS Sports, Sunday, April 29, from 2:00 to 3:00 p.m. ET.
24 Apr 2012 - 12:47pm - 1 Comments
PALM BEACH GARDENS, Fla. -- Two-time PGA Champion Dave Stockton, the U.S.
16 Apr 2012 - 4:29pm - 1 Comments
Joe Steranka will retire at the end of the year as chief executive of The PGA of America.
11 Apr 2012 - 1:26pm - 0 Comments
CNN's Patrick Snell and Shane O'Donoghue analyze if Tiger Woods can walk away with a victory at the 76th Masters.
3 Apr 2012 - 8:00pm - 0 Comments
PALM BEACH GARDENS, Fla. -- Golf legend Jack Nicklaus, PGA Tour Professional Dustin Johnson and 2010 U.S.
3 Apr 2012 - 4:07pm - 1 Comments
PGA Life Member Ken Tucker of Seattle, Wash., whose 74-year golf career made him the longest serving Pacific Northwest PGA Section member and the second longest among current PGA Professionals, passed away March 20, following a short illness. He was 99.
27 Mar 2012 - 3:56pm - 0 Comments
PGA/LPGA Professional Renee Powell of East Canton, Ohio, was named a co-recipient of the ATHENA International Leadership Award, which was presented March 21 in Canton at the University Center at Kent State University's Stark County campus.
27 Mar 2012 - 3:47pm - 0 Comments
Rory McIlroy and Tiger Woods are at Doral to build momentum in different ways.
7 Mar 2012 - 6:05pm - 0 Comments
Edward Loar rolled in a six-foot par putt on the final hole Sunday to win the Nationwide Tour's Panama Claro Championship by one stroke over four others.
4 Mar 2012 - 7:43pm - 0 Comments
Clemson golfer, Corbin Mills takes us behind the scenes as he trains for his first Masters tournament.
29 Feb 2012 - 3:39pm - 0 Comments
PORT ST. LUCIE, Fla. -- Bob Toski, a five-time winner on the PGA Tour who went on to a legendary teaching career; and 2008 PGA Distinguished Service Award recipient Dennis Walters will be the featured guests during March for the PGA Museum of Golf Speaker Series.
28 Feb 2012 - 2:39pm - 0 Comments
PALM BEACH GARDENS, Fla.
28 Feb 2012 - 2:31pm - 1 Comments
PALM BEACH GARDENS, Fla. -- The PGA Foundation announced the formation of the PGA Foundation Champions for Diversity Tournament, an event to provide scholarship support for ethnic minorities and young women, to be conducted May 31 to June 2, at PGA Golf Club in Port St.
28 Feb 2012 - 9:16am - 0 Comments
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Inked Girls Magazine
Feminine Side Piece TattoosFebruary 11 2014
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Inked Model Search at 2013 Hell City Tattoo FestAugust 15 2013
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Catch VH1's episode of Black Ink last night? It features Dutchess, back in NYC for her photoshoot with INKED after her meeting with Creative Director, Todd Weinberger. Check it out for an exclusive of the tattooed beauty's super sexy shoot… [ read more ]
Inked SuicideGirl of The Year is…December 14 2012
As many of you may already know for the month of October fans voted for their favorite Inked Suicide Girls to be Inked SucideGirl of The Year, well we have a winner! It's Radeo Suicide! Congratulations Radeo and thank… [ read more ]
Massachusetts Brings on the Ink at Boston's 11th Annual Tattoo CoventionDecember 4 2012
The 11th annual Boston Tattoo Convention brought together ink experts and enthusiasts from across the globe. Tattoo artists and patrons gathered at the Sheraton Boston Hotel during Labor Day weekend for four days full of beauties, art, and of course,… [ read more ]
Meet the Latest Inked Girls Contest Winner: JessicaOctober 24 2012
Stunner Jessica got your vote in the most recent Inked Girls contest. Check out more of her pics and learn more about the Denver-based hottie here!