text:
Consumer Preference for Being Declined
According to a recent survey, consumers would prefer to be declined when using their debit card rather than be hit with an overdraft fee. This preference occurs regardless of the purchase price.
The results of the survey, conducted by The Center for Responsible Lending, were released in mid-April.
I have covered overdraft fees before in a number of posts, including Overdraft Protection and Colleges Add to the Overdraft Loan Problems. Banks offer many options to handle overdrafts. Unfortunately, the survey found that most respondents are currently enrolled in the most expensive option, a fee-based overdraft loan program that covers overdrafts in return for a $34 fee. People with lower incomes were in this category in even higher percentages.
Alternative options, such as linking your savings or credit card account to your checking account, are often available at much lower cost. The least expensive option of all, declining purchases that would result in an overdraft, is one that most consumers would prefer. Currently, overdrafts are typically approved and a fee is assessed. This is similar to the way credit limits don't actually limit spending, but rather just trigger fees. 80% of those surveyed would rather have a $5 purchase declined than have it be approved but incur a $34 overdraft fee. Similar percentages (79% and 77%) were found for purchase amounts of $20 and $40, respectively.
Banks often tout their overdraft protection services as protecting consumers from an embarrassing decline of credit. I would much rather be embarrassed than hit with a huge fee. The majority of survey respondents agree. Review your bank account's overdraft protection features to find the best option for your situation.
Thursday, May 22nd, 2008 at 7:10 am
Comments (41)
Someone should start a form letter to all banks that us poor folk
can sign on to. Not me- I'm an idea rat.
May 22nd, 2008 at 12:51 pm
Signed. Also, could banks deduct your smaller purchases first,
before the big ones? As it stands for every bank I've dealt with,
if you have $100.00 in your account, and you spend $5.00, then
$30.00, then $120.00, then $15.00, the bank will deduct the $120.00
first, then the $30, then the $15, and then the $5, ensuring 4
overdraft fees instead of the two you would have encurred if the
purchases had been deducted chronologically, or the 1 if the banks
were thinking about your wellfare instead of their bottom line, and
arranging payments in the most benificial manner for their
May 22nd, 2008 at 12:51 pm
they know that, and they don't care. they get more money this way.
they see it as a smart business policy. banks aren't in business to
actually help anyone.
May 22nd, 2008 at 1:02 pm
Forget the letter someone sue these pigs!
May 22nd, 2008 at 1:35 pm
I think a lot of the problem comes from misunderstanding how a
Debit card is different from a Credit card. A credit card has a max
that is set and you can draw towards that max. Once you hit it,
that's it. A debit card on the other hand, your max changes based
on how much is in your account. One day you may have a decent
amount, like after payday, the next day you might not (like if you
turn around and draw cash out). The responsibility is on you to
keep track of what is in your account to not overspend it. The bank
tries to keep up to date with your funds, but if you have a $400
balance and use $350 on the card and write a $100 check you are
gonna go overdraft. Usually on a credit card only card transactions
are going against it, but with a debit card you can have checks,
cash out at the bank, cash out at the ATM, and payments at stores.
When all those converge at the same time if the amount going out is
more than you got, you are going overdraft. The banks are not
usually hoping for overdrafts, when someone goes overdraft they are
spending the bank's money since they have spent more than they have
put in. The charge is a punishment to make you want to avoid going
overdraft. The situation is not entirely preferable for the bank
because they are out the money you overdrafted by and don't really
have a guarantee they will get it back. I think that there are too
many people these days that don't understand how to manage money.
They weren't taught by their parents or in school and just have to
wing it. When you go overdraft, you pretty much can only blame
yourself. If it is a mistake on the banks part you got to call
them, they may not know something wrong occurred. They usually fix
it and refund the charges. A fool and his money are easily parted
May 22nd, 2008 at 1:39 pm
I know this is radical thinking, but how about people don't spend
more money than they have? You could actually *gasp* keep track of
your spending and know when you don't have money for something.
May 22nd, 2008 at 1:43 pm
@ Confused, While I completely agree with you, this will not happen
because banks treat overdraft fees as an income opportunity – they
structure their accounting methods to generate the maximum possible
amount of overdrafts. Overdraft fees have gone from a sideline
business to a core function of American banks, with, IIRC, around
30bn in profits from overdraft fees alone in the last year. Here
are two articles I've written about overdraft fees.
This letter I sent to around 30 Congressmen, of course, only 3
responded, and two with form letters.
This article I'm still dealing with right now. I need to post
an update.
May 22nd, 2008 at 1:52 pm
Your idealism is endearing. Firstly, it is not possible for
consumers to track their purchases in the same way that banks do.
These days most major banks do not use a linear time-based
transaction cash accounting, they use a post-hold-release method.
Consumers are perfectly capable of the dead-simple, comprehensible
linear cash accounting. Consumers are not capable
of using a post-hold-release accounting method because that method,
which the banks use to calculate overdraft fees, requires more
information than is available to the consumer, such as when the
transaction is first posted, how long it is pending, and when it
finally clears. Secondly, we do have a way to
automatically keep track of our spending and not overspend – it's
called debit cards and online banking. Respectable banks use a
fully transparent accounting method that fully and accurately
represents all transactions the system has recorded on their online
banking accounts. Unfortunately, most major banks use an obfuscated
system that I described above to maximize their overdraft fees.
May 22nd, 2008 at 1:56 pm
@ Confused Amen sir
May 22nd, 2008 at 1:57 pm
How about knowing how much money you have before you go shopping or
use a credit card. I know the concept is hard to grasp for Joe Q
Beercan, but it's something worth learning.
May 22nd, 2008 at 2:01 pm
BofA slapped me with $175 (5 x $35) in overdraft fees in
one day a few months ago because I made 5
separate, small purchases on a day that my direct deposit usually
drops, but didn't. All in all I probably bought $50 worth of stuff.
I'd much rather just have been told that my card was declined and
paid with a credit card.
May 22nd, 2008 at 2:11 pm
Banks post largest dollar items to ensure that they are paid. For
example, your mortgage or rent check tend to be more expensive then
a check for $25. Having a small check bounce rather then getting a
past due mortgage notice tends to be a smaller problem. What you
can do to avoid it; Keep an active check register by
writing everything down. This will keep you from
spending more than your money so that you don't have to spend the
banks money. Remember that you signed an account agreement form to
have an account at that bank. Having a bank account is not a right,
it is a privilege. If you don't like your bank, close the account
and go to a local check cashing store and carry cash.
May 22nd, 2008 at 2:23 pm
I watch my account like a hawk! My check book is usually balanced
to the penny…… except that one time where I made a .27 cent
error in my math. Bam! $37.00 overdraft fee!
Amazing! I hate my bank.
May 22nd, 2008 at 2:27 pm
Whenever I open a new account, I specifically ask the bank not to
give me "overdraft protection" and repeat "never give me any money
that I don't have". If they had refused, I would have taken my
business to another bank. In my experience, most banks will drop
that "feature" from your account if asked, but they certainly don't
advertise that option.
May 22nd, 2008 at 3:05 pm
@MoneyManagement To your point that "A credit card has a max that
is set and you can draw towards that max. Once you hit it, that's
it." please read my referenced post on credit
limits. They too have become more of a fee trigger than an
actual limit.
May 22nd, 2008 at 3:20 pm
With Bank of America you can set up what is called a pay-none
account, you will receive no overdraft protection,
and therefore overdraft fees. But if you write a check for which
there is not funds, you will receive a NSF fee.
May 22nd, 2008 at 3:45 pm
I know its almost an unknown word in the us, but
get a debit card instead of a
credit card, the debit card only let you use money
you actually have in your account. Just like 99% of americans use
credit cards, 99% of europeans use debet cards.
May 22nd, 2008 at 3:52 pm
Credit unions are viable options. Mine will automatically transfer
money from my savings account if I overdraw on checking. If I go
over my Visa limit, funds will come from either checking or, if
there isn't enough, savings. It's all automatic and free, so I
never have to worry about the embarrassment when my card is
May 22nd, 2008 at 5:05 pm
A banker will tell you that they can't keep track of your balance
unless all you ever use is cash. For instance, a store can delay
processing your debit payment for some time period, so the bank
doesn't know what all you're doing with your card over some period
of time and a lot of spending can come in at once. Same goes with
checks. So, the only option they have which is good for you is to
link you account to a savings account or credit card to supply
funds when you overdraft. So seemingly banks cannot keep accurate
track of your balance for you. Not that I don't think the fees are
outrageous. Since banks aren't likely to be regulated in this
regard any time soon, I would recommend a credit union and using
cash as much as possible.
May 22nd, 2008 at 5:18 pm
You can get those overdraft fees waived about 70% of the time if
you: * speak politely and choose your words carefully * talk to the
right person in the department * socially engineer your way into
fooling them of their own game It's not the banks responsibility to
pop-up and tell you "Hey, you don't have anymore money left in your
bank so you cannot swipe". Matter of a fact, there might be a time,
in case of an emergency let's just say, where you will need to
swipe your card (gas, tires, roadside assistance, etc.). If you
were to be blocked, then it would be inconvenient for you. Just
watch your money; manage it. Don't go around thinking that you may
have enough, you must know that you have enough.
It's not that hard. You're not constantly doing calculations. I do
my banking online and before I leave the house, I will always check
my account balance and see how much I got. I pay all my bills
online and keep track of which payments I have sent out and how
much money I really have. Just manage your money!
Manage, manage, manage!
May 22nd, 2008 at 5:31 pm
I work in a bank so I know what I'm saying. Banks make their money
off the lazy and stupid. This is a giant money maker for the banks.
If you cant keep track of your balances pay cash. I wish I could of
said this in a fancy and funny way but this is reality. Sorry.
May 22nd, 2008 at 5:59 pm
Screw the banks.
May 22nd, 2008 at 6:38 pm
As someone who's studied the laws of payment systems, I'll say that
anyone who used a debit card in favor of a credit card is a fool.
Given both the over-draft issue, and the lack of any of the Federal
Laws that protect borrowers (i.e. credit card users) after the
payment has been made make the debit card a very poor choice for
May 22nd, 2008 at 6:57 pm
I work at a bank that offers 'overdraft protection'. What they
don't tell the customers is that
two free options are available, either an
overdraft loan (where all they have to do in pay interest on the
amount of money 'borrowed' until it is payed back) and an automated
transfer from another account such as savings if checking is
overdrawn. These options are both better than the
$30 overdraft fee, which some customers incur when their account
goes negative by as little as a few cents! I'm trying to change
this 'from the inside', but the prospect of 'free money' is too
hard for the bank to give up.
May 22nd, 2008 at 7:45 pm
Ah, banks…. We need them, but don't forget that they need us too.
Do you want to stand up to the banks and send a message that we're
tired of their actions? http://thisjune5th.com/dontfollow A ten day
"bank holiday" has been proposed for June 5th (just a few weeks
out). The simple plan: Just remove as much money as you can from
the banking system on June 5th and hold the money for ten days or
so. Check out the site. Watch some youtube videos. Read some
forums. Lets all take a united stand against the banks next month
May 22nd, 2008 at 7:51 pm
join a credit union you won't see these kind of stupid fees.
May 22nd, 2008 at 8:00 pm
A friend closed her bank account. She forgot that
she had her debit card linked to her iTunes and a
few months later made a purchase. Instead of declining the charge,
they assessed it as an overdraft against her
closed account. Because she had moved (and not
notified the bank of her new address because the account was
closed) the notices never got to her until the
bank reported her to ChexSystems and now she has been banned from
even opening an account at all major banks (let alone getting any
kind of credit) for five years because of one
accidental $0.99 charge. Oh, yeah, there is no way
to get off this list. Before you judge people as "lazy and stupid"
realize that one tiny, easy mistake can ruin you financially. The
banks need to change these practices and just decline charges with
insufficient funds or against closed accounts.
May 22nd, 2008 at 8:03 pm
How about let's balance our checkbooks like any 10 year old can do
and quit whining when we're stupid? I know the $30 charge sucks,
but it's your damn fault. All you need is a pencil and a 5th grade
education (or less) to balance your checkbook and not overspend
like an idiot.
May 22nd, 2008 at 8:10 pm
I would also like to be declined. If we kept the current system
though, I think the damages should be limited to the amount you go
over, capped at say $30. Being charged $39 for going $2.19 over the
limit is legalized theft. Especially when they approve 5 more
May 22nd, 2008 at 8:51 pm
from prior poster: "The banks are not usually hoping for
overdrafts, when someone goes overdraft they are spending the
bank's money since they have spent more than they have put in."
Awwwweee!!! how sweet of the lovely bank!!!!
May 22nd, 2008 at 9:06 pm
[…] Consumer Preference for Being Declined I know a lot of people
(myself included) who've been hit with overdraft fees. It isn't
pretty. (tags: finance money banking) Posted by Jeff Kelley Filed
in Uncategorized […]
May 22nd, 2008 at 9:41 pm
throbe: said "Banks make their money off the lazy and stupid." The
people who are forced to absorb these exorbitant fees most often
did make mistakes or poor decisions and paying a penalty for this
is not a problem. But the size of the fees and the structure, which
encourages and compounds this scenario is a big problem. If someone
is $1 short in their account they should not have to pay $70-$80 as
a penalty. This is what happens everyday to people who are really
struggling and it should be a crime.
May 23rd, 2008 at 1:22 am
My sister got hit twice with these overdraft fees. Once for $400.00
and then a few months later for $1700.00. I had to cover her for
the $1700. I gave my sister $2000.00 to put in her account. The
Wells Fargo manager told us that they had done us a favor by
charging extra $34 in overdraft fees for a $3 MacDonalds breakfast.
They did this near 50 more times to rack up $1700. I tried
complaining to the California Attorney General but was told that
the Federal Government took away the states right to protect the
consumer with bank issues. The Federal Dept in charge of the banks
I complaint to dismissed the complaint for not having it signed in
the right place. We need to vote out the whole US congress. How
about a constitutional amendment that does not allow millionaires
in the US senate- just regular folks. These corporations are raping
the middle class- from $4 gasoline (I hear it going to $10 or $15
per gallon). If you think it won't to $10 then you better check
Europe- it is $9 a gallon over there (when converted from liters).
These overdraft fees are highway robbery. I propose we pass another
constitutional amendment to tax the rich on net worth (not income).
Let's give them their flat tax but tax (10%) them on worth. Tax
them 10% of their net worth every year. Mr Gates (worth $70
billion) please send $7 billion to the US treasury this coming tax
year and $6 billion next. Maybe then Mr Gates won't send our jobs
over seas or want to import cheap labor to replace American
workers. Also screw free trade- tariff all goods imported to this
country to pay for the unemployed workers.
May 23rd, 2008 at 1:44 am
Most, if not all, Canadian debit cards work this way. And, I
double, Mr/Ms "Money management" that one could claim that this is
because an entire country full of people is incapable of handling
their own finances.
May 23rd, 2008 at 6:12 am
yes so dont act all surprised when the people elected by the "lazy
and stupid" apply ham fisted laws to address the problem, which
inevitably harm the banks bottom line.
May 23rd, 2008 at 6:31 am
This will not go away voluntarily, and banks own too many
politicians to get a fair look at this by the govt. Your
only choice is to no play their game. Either keep
extra $$$ in your account or use another means to address this.
Sadly, this type of gouging will not be changed in
this country. Look at the recent govt. handling of the SubPrime
meltdown for a good example of who your govt is protecting…
May 23rd, 2008 at 6:52 am
dear poor income america, then wise up and don't sign on and learn
to control your finances first and then you (and we) wouldn't be in
this (subprime loan) situation.
May 23rd, 2008 at 7:00 am
@19 Sam Hill: What? You cant get an debit card that forces the POS
machine to check with the bank if there is enough funds? And I
haven't paid with a cheque for a long long time, nor has anyone I
know. (Too many look suspiciously at you if you pay with one).
May 23rd, 2008 at 8:09 am
uh…. yeah, bank, could you make less money? thanks. -signed,
people who don't know how to check their balance. people, dont be
stupid, this will never happen.
May 23rd, 2008 at 11:51 am
I love how so many people suggest balancing a register, as if that
is a way to avoid overdraft fees. Here's a clue – banks do
not use time ordered linear registers. Keeping a balanced
register is not, in any way, a
guarantee that you will avoid overdraft fees, because that
is not the accounting method banks use. In fact,
bank accounting methods seem to be engineered to exploit the common
person's use of a linear register to prompt overdraft fees that do
not show up using a linear register but do show up using a bank
accounting method – that is, their accounting is designed to
invalidate the use of a linear register and expose you to
additional charges that do not occur with linear registers. In
short – Anyone saying to balance their checkbook (register) to
avoid overdraft fees doesn't understand the situation but wants to
feel superior to people who have overdrafted, and thus those
proponents should be ignored without consideration.
June 3rd, 2008 at 11:26 am
I keep a separate account for online purchases, so that when
Amazon.com "loses" my CC number on an unsecured laptop or
something, Russian hackers can't Hoover my bank account dry, as has
happened about twice now. But Wells Fargo refuses to take overdraft
"protection" off the account! So, what's the point? Now the Russian
hackers get the twenty-and-change in the account, plus as much as
Wells Fargo will let them take, and then WF comes after me
for the money they handed out as a "courtesy"! Maybe somebody can
explain to me how this is a failure of my own personal
responsibility when it looks like a criminal failure by WF to obey
my instructions.
October 8th, 2008 at 11:00 am
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Tok Tok Tok: About...
Klein and his partner, Tokunbo Akinro, cover a lot of ground on this, their fifth release. The duo shares songwriting credits. Sometimes Akinro adds lyrics to Klein's compositions; sometimes Klein sets Akinro's text to music. Akinro, a Nigerian-German singer, and Klein, a multi-instrumentalist, reached the top ten on the German jazz charts with their previous offering, It Took So Long. Their live performances have thrilled audiences through much of Europe, including the North Sea Jazz Festival at The Hague, Netherlands.
The opening track, "Breakdown, describes the real-life failure of a classic car: a Morris 1000. Akinro and Klein spent the wait trading stories, listening to the radio, and going inside the building in front of which the car broke down. Christian Flohr sets the tone with the double bass, and Klein with tenor sax and mouth drums, as Akinro sings about the experience. It's a laid-back groove that establishes the feeling of the whole album. Because Klein performs mouth drums on songs that he co-wrote, the sounds are perfect for these songs, which often isn't the case with programmed drums.
Akinro tells of her struggles with racial bigotry on the title song. In the gear-shifting rhythm of "About, she shares anecdotes about different aspects of racism: suspicion of theft, friends who are ashamed of what you are, getting lower grades despite passing the tests, and having people snub you because of skin color. "When the anger's poisoned you ... and you haven't got a clue ... how to deal with hostility ... brought on in such subtlety, Akinro sings to a backdrop of bass and tenor sax.
Klein adds the guitar to "Don't Go Away, in which Akinro pleads for a lover to give their relationship another chance. Klein's tenor also comes out front for a wailing solo. Perhaps the most upbeatand certainly the funkiestsong is "All I Ask, in which Akinro delivers a powerful anthem of individual liberation. With Jens Gebel on Fender Rhodes and Klein again on tenor, the song is a celebration of a woman's empowerment, breaking her cycle of dependency.
The sound of Tok Tok Tok is definitely off the beaten path. Free of industry restraints and musical clichés, the group delivers an album that's suitable for almost any time of day and any mood. The lyrics cover a range of emotions, whether the subject is love, society, or life experience. And in good storytelling fashion, the car that broke down at the beginning starts back up in the end.
Track Listing: The Breakdown; About; When I�m Grown; The Quiet Place; Don�t Go Away; For a Friend; Easier Said Than Done; Little Lullaby; All I Ask; Bitter Farewell; The Bump.
Personnel: Tokunbo Akinro: vocals; Morten Klein: tenor and soprano saxophones, mouth drums, guitar, Fender Rhodes; Christian Flohr: double bass; Jens Gebel: Fender Rhodes; Hartmut Zeller: Fender Rhodes.
About Tok Tok Tok
CD/LP/Track Review
- About... by Woodrow Wilkins


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7 Tips to for Going to the Minneapolis Laundromat
May 24, 13
Going to the laundromat may seem like a simple task, but it is still an activity that involves planning and preparedness. Below are seven tips to help you be successful on your trip to the Minneapolis Laundromat. 1. Have Money Ready: Always be prepared by keeping a ration of quarters saved up to use at the Minneapolis Laundromat....read more


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Jan 3, 1988Prayer is not a mere devotional interlude in the real business of living; it is the pathway of faith and obedience. There is no other.
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Jul 24, 1988Since we sin against God every day, we should be broken; and, since the throne of God is a throne of grace, we should be bold.
Prayer: The Work of Missions
Jul 29, 1988In order to mobilize a movement of prayer in the church and in order to sustain a will to pray in our hearts, we must think and talk about other things besides prayer. This is the key lesson I have…
The Great Invitation: Call Others Too!
Aug 7, 1988Will we be satisfied that God has made a covenant with us? Or will be dissatisfied until is spreads to all the nations and peoples of the world?
The Great Invitation: A High Way for Low Sinners
Aug 14, 1988Everybody needs to call upon the Lord—to seek the Lord right now while he may be found.
The Great Invitation: God's Triumphant Word
Aug 21, 1988Not one jot or tittle will fall to the ground of all that God purposes through his omnipotent word.
"Tentmakers" in Minneapolis
Sep 4, 1988God wants you to see your job primarily in terms of its strategic effect in making him known.
Battling Unbelief at Bethlehem
Sep 11, 1988Fight against sin by fighting against unbelief in the promises of God.
Battling Unbelief Together
Sep 18, 1988We must help each other battle unbelief and fight the fight of faith.
Battling the Unbelief of Misplaced Shame
Oct 2, 1988The battle against misplaced shame is the battle against unbelief in the promises of God.
You Shall Receive Power...For Mission
Oct 16, 1988In the first book, O Theophilus, I have dealt with all that Jesus began to do and teach, until the day when he was taken up, after he had given commandment through the Holy Spirit to the apostles whom he…
How Can We Be Clothed with Power?
Missions Week
Oct 23, 1988God gives special power, extraordinary power, for the extraordinary challenges of an expanding witness to Christ. How do we seek it?
Believing God on Election Day
Nov 6, 1988Even the most significant political battles play out in God's hands. He removes kings and he sets kings, all in accord with his sovereign plan.
Battling the Unbelief of Lust
Nov 13, 1988If you don't fight lust, you won't go to heaven.
Battling the Unbelief of Envy
Nov 14, 1988Envy steals your joy when you don't trust that God is doing what he has promised — working all things together for your good and his glory.
Battling the Unbelief of Bitterness
Nov 20, 1988Anger is very dangerous. If it takes root in your heart and becomes a grudge or an unforgiving spirit, it can destroy you.
Battling the Unbelief of Despondency
Dec 4, 1988When my heart was grieved and my spirit embittered, I was senseless and ignorant; I was a brute beast before you. Yet I am always with you; you hold me by my right hand. You guide me with your counsel…
Three Meditations on "The Messiah"
Christmas Festival
Dec 11, 1988The high noon of God's glory will be the second coming of Christ. And that is where the sun will stay forever.
Battling the Unbelief of a Haughty Spirit
Dec 18, 1988The battle against pride is the battle against unbelief. The fight for humility is the fight of faith.


text:
Consumer Reports: Sleep Better With Cognitive Behavioral TherapyNew research points to a better solution for insomnia and has no side effects. It's called cognitive behavioral therapy.
Experts Offer Some Less Obvious Reasons For Feeling TiredDo you feel tired all the time and you're not sure why?
Social Media Use Linked To Sleep DisturbancesYoung adults who spend a lot of time on social media during the day, or check it frequently throughout the week are more likely to suffer sleep disturbances according to a new study.
Consumer Reports: Gizmos To Help You SleepTreatments to combat sleep deprivation have become big business. Americans spent more than $40 billion last year searching for that elusive good night's sleep.
Sleep Expert Details 3 Ways To Stop SnoringAre you among the millions who feel like they're not getting enough sleep? Tired all the time? Snoring could be the culprit, whether from you or your partner. However, there are three things you can do to cut down on the snoring.
New Gadgets & Apps Shine Light On Your Sleeping HabitsThere are all kinds of apps to keep you fit. Now, apps – and their accompanying gadgets - will help you get a look at how you sleep.
National Sleep Foundation Offers Updated Sleep RecommendationsExperts have a better idea of how much sleep you need to get every night.
Insufferable Pain, Could It Be TMJ?Millions suffer from it, and for some, the pain is unbearable.
New Implantable Device May Help Sleep Apnea SufferersA new device may help people that suffer from sleep apnea.
Highmark To Open Sleep Apnea Supplies StoreMost people who are diagnosed with sleep apnea have to re-order their supplies through the mail. However, Highmark is opening a new, first-of-its kind store in our area to make replacing supplies easier and more convenient.
Sleep Drunkenness Condition Can Have Disastrous ConsequencesSo sleepy, it's like you're drunk?
In Your Dreams! Separating Nightmare Myths From RealityNightmares, we all have them occasionally, but why? What causes them? Are there ways to stop them? Do spicy foods play a role? What about the temperature of the room you sleep in?


text: Create a pretty corner grouping with the Vaserie "Deco" Terra Cotta Thai Plant 3-Pot Set. The matching pots come in three sizes so you can vary the type and height of your plant arrangement. Made of natural terra cotta, this plant pot set is ideal for your living room or outside on the patio during the warmer seasons.


text:
11 December 2016
News and Views
Links and Services
Showcase Journal
This month's issue of the Annals of Internal Medicine reports on the U.S. Preventive Services Task Force recommendation statement on screening for Hepatitis B virus infection.
In 2004, the U.S. Preventive Services Task Force (USPSTF) recommended against screening for hepatitis B virus (HBV) infection.
Dr Roger Chou and colleagues from Oregon, USA updated the 2004 USPSTF review on screening for HBV infection in adolescents and adults.
The team evaluated MEDLINE, the Cochrane Central Register of Controlled Trials, the Cochrane Database of Systematic Reviews, and PsycINFO.
The research team identified randomized trials of screening and treatment and observational studies of screening or the association between intermediate and clinical outcomes after antiviral therapy.
There was 1 investigator that abstracted data, and a second investigator checked them.
The team reported that 2 investigators independently assessed study quality.
No study directly evaluated the effects of screening for HBV infection versus no screening on clinical outcomes.
The team observed that vaccination against HBV infection was associated with decreased risk in high-risk populations.
On the basis of 11 primarily fair-quality trials, the team found that antiviral therapy may be more effective than placebo for reducing the risk for clinical outcomes associated with HBV infection.
However, differences were not statistically significant.
On the basis of 22 primarily fair-quality trials, the research team noted that antiviral therapy was more effective than placebo for various intermediate outcomes, with limited evidence that first-line antiviral agents are superior to lamivudine.
Antiviral therapy was associated with a higher risk for withdrawal due to adverse events than placebo, but risk for serious adverse events did not differ.
Dr Chou and team comment, "Antiviral treatment for chronic HBV infection is associated with improved intermediate outcomes, but more research is needed to understand the effects of screening and subsequent interventions on clinical outcomes, and to identify optimal screening strategies."
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The USGPRU Western region descended upon Miller Motorsports Park to race the circuit's East Track. The 125 race saw an even mix between youngsters with MotoGP stars in their eyes and seasoned racers escaping their day jobs. The great coverage seen here are made possible thanks to our title sponsor SportbikeWrench.com.
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Bumpass, David B. MD*; Lenke, Lawrence G. MD*; Bridwell, Keith H. MD*; Stallbaumer, Jeremy J. MD*; Kim, Yongjung J. MD†; Wallendorf, Michael J. PhD‡; Min, Woo-Kie MD, PhD§; Sides, Brenda A. MA*
Study Design. Retrospective review of prospectively accrued cohorts.
Objective. We hypothesized that posterior-only vertebral column resection (PVCR) would result in improved postoperative pulmonary function, avoiding pulmonary insults from combined anterior/posterior approaches.
Summary of Background Data. Pulmonary function after PVCR for severe spinal deformity has not been previously studied. Previous studies have demonstrated impaired pulmonary performance after combined anterior/posterior fusions.
Methods. Serial pulmonary function testing (PFTs) in 49 patients (27 pediatric, 22 adult) who underwent PVCR at a single institution was reviewed. Mean age at surgery was 28.7 years (range, 8–74 yr), and mean follow-up was 32 months (range, 23–64 mo). Thoracic PVCRs (T5–T11) were performed in 31 patients and thoracolumbar PVCRs (T12–L5) in 18 patients.
Results. Pediatric patients who underwent PVCR experienced both increased mean forced vital capacity (FVC) (2.10–2.43 L, P = 0.0005) and forced expiratory volume in 1 second (FEV1) (1.71–1.98 L, P = 0.001). There were no significant differences in percent-predicted values for FVC (69%–66%, P = 0.51) or FEV1 (64%–63%, P = 0.77). In adult patients, there were no significant changes in FVC (2.73–2.61 L, P = 0.35) or FEV1 (2.22–2.07 L, P = 0.51) after PVCR; also, changes in adult percent-predicted values for FVC (79%–76%, P = 0.47) and FEV1 (78%–74%, P = 0.40) were not significant. In pediatric patients who underwent PVCR, improved PFTs were correlated with younger age (P = 0.02), diagnosis of angular kyphosis (P ≤ 0.0001), no previous spine surgery (P = 0.04), and preoperative halo-gravity traction (P = 0.02). Comparison of PFT changes between patients who underwent PVCR and a control group who underwent combined anterior/posterior approaches revealed no significant differences.
Conclusion. In pediatric patients, PVCR resulted in small but significant improvements in postoperative FVC and FEV1. In adult patients, no significant increases in PFTs were found. Patients who have the greatest potential for lung and thoracic cage growth after spinal correction are most likely to have improved pulmonary function after PVCR.
Level of Evidence: 3
© 2014 by Lippincott Williams & Wilkins
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Eric Colbert releases new renderings for 5333 Connecticut
Architects Eric Colbert and Associates shared renderings of the latest design for their proposed apartment building at 5333 Connecticut Avenue. Few renderings of the project have been available until now, so it's been difficult to understand how it will look.
The design depicted in the renderings is substantially the same as the one presented at an ANC3G meeting in August, when commissioners voted for the Memorandum of Understanding with developer Cafritz.
Colbert applies planes of glass and white frames to a glass block in manner similar to the neomodernist apartment buildings of Richard Meier. Two of those buildings are regarded as kicking off the trend for glass-enclosed apartment buildings in New York.
The sides of the building that face single family homes have significantly fewer windows, addressing the light pollution concerns the neighbors are reasonably worried about. Having such an dramatic transition from one side to another puts a lot of pressure on the corner, architecturally. Colbert negotiates this shift with a line of windows on the edge of the Kanawha Street wing, shown above. Whether this shift succeeds will depend on how transparent the glass appears at a given time of day.
The change of transparency is driven by the sun, whose heat and light are serious concerns in a glazed building. The renderings show similar treatments on both the north and south elevations of the building. That much glass on the southern exposure will lead to an excess in heat in light, but on the northern side, the glass might also abate the worries about shadows by reflecting light down to the street.
To me, the building is the most successful at the edges of the projections from the sides of the building. There, the relationship between interior walls and the opaque frame around the edge makes it feel like volumes have slid out from the building. This could have been a simplistic, cheesy move, but Colbert's office wove translucent balcony railings into the white frame. The result is a sensitive corner, a feature often absent in glass-heavy modern architecture.
Unfortunately, this sensitivity is absent where the building touches the ground. Considering that the ground has been so controversial, the design would be better if the walls changed as they met the landscape designed by Trini Rodriguez. Whether becoming more solid, showing the weight of the building, or simply transitioning from vertical to horizontal, this relationship is key to producing a building that feels appropriate for its site.
Developer Cafritz has stated their desire to have a building that is contemporary and of its time, and meant "glass." However, glass is only "modern" when it calls attention to relationships of inside and outside, ground and sky, and between the people who look through it as neighbors. Like any materials, how a window shapes our environment is more important than the sheer technological thrill of transparency.
I am impressed that there is no traffic at all on the streets, and that the pedestrians are uniformly in the same demographic as the current residents, albeit younger. Thank goodness those people aren't the dreaded "strangers" that Graham from the 5333CT group opposing this building abhors.
IMHO there is a lot of mediocre architecture along Upper Connecticut and this building will stand out but I think we'll have to wait until it is built to determine if that is a good or bad thing.
Is it true that there will be no utility lines around this building?
Also Connecticut Avenue is quite busy through here so I'm not sure these drawings with more pedestrians and bikes than cars capture what the frontage of the building will feel like but more importantly I really hope DDOT stands firm and rejects the driveway on Connecticut Avenue and the curb cuts that go with it.
I wonder if it's less expensive to do a glass curtain wall than a brick building with detailing? The thing about the whole "transparency" question are two fold. Most times of the day, light reflections will make this building look absolutly opaque. Secondly, on those overcast days where it might be possible to "look through" as the renderings always imply, they omit the fact that actual people will be living here. They tend to have window treatments for those sunny days, especially in the am when cloths are optional.
I will say this for Colbert, he seems to be stepping up his game in the neo-modern department. This looks like it could have been done by the local masters of that style, Shalome Baranes.
Connecticut Ave has underground lines to its extent. I believe that is a vestige of its Streetcar roots.
Those who live on the ground floor and floor above it on Kanawha Street are going to be on display like gerbils in a terrarium. Many residents of glass-walled apartments install curtains, blinds, or mirrored film to protect their privacy, which more or less wipes out the architect's intention of transparency.
by Laurence Aurbach on Oct 18, 2013 12:11 pm • link • report
That's because the residents will all be fit, walk, bike share, take transit and use Zipcar if they have to drive.
The area is not a historic district with a design review mandate. The people complaining about this development also opposed that proposal a few years ago.
While it may not be the best architectural fit in context, there is nothing the residents or city can do to address the concern. The residents in question already ensured that so they only have themselves to blame.
The new residents will not care as they do not have to look at the building.
I say this about my place all the time. I live in an historic neighborhood. My building is perhaps one of the ugliest buildings in the entire area BUT I LOVE my apartment and well, as I say, I spend a lot more time in my apartment than than I do looking at it from outside. They will not care because they do not have to look at it all day,
Not sure of the incongruity. The fact it, people are complaining about the design of a matter-of-right project. Historic preservation would have provided the residents and city an opportunity for design review. The same residents rejecting this proposal also rejected the one legal opportunity that would have afforded the opportunity.
Do you have an alternative design review proposal that would have been effective in this case?
Generally, a major part of Smart Growth is the level of engagement a building or development plan has to the street, the amount of "placemaking" and the ability for the built environment has on community building.
Many of our historic areas enjoy these assets already and provide good case study for how new development to refer to good precedent for design and engagement.
Sure, sometimes the decisions of the District Historic Preservation community seem far reaching or out of context, but for the most part, I think many would consider it a fair trade-off.
"Generally, a major part of Smart Growth is... the amount of "placemaking"...
Many of our historic areas enjoy these assets already and provide good case study for how new development to refer to good precedent for design and engagement.
Then why don't architects study these "assets" for the "placemaking" qualities they embody? Solve that riddle and you might make historic preservation obsolete.
It doesn't need to be a rehash of a Federal Style, Colonial or Art Deco - but this is just bleh!
by Neil Flanagan on Oct 21, 2013 2:56 pm • link • report
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- Are public spaces really public when not everybody can use them?
- Cell service in tunnels, junking old rail cars, getting finances in order. Here's what's in Metro's Back2Good plan.
- What happens when people without cars move to places built for driving?
- Metro now has an official plan for getting better in 2017. It's called Back2Good.
- WMATA recommended express bus service along 14th Street NW four years ago. Is it time to make it happen?
- If racial inequities didn't exist, DC would look like this...
- The DC reps on the WMATA board might veto late-night closures


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Story: What Does Access to Birth Control Really Mean for Women?
In the last week, there's been a lot of media attention on the Obama administration's decision to ensure that millions of women get access to insurance coverage of contraception.
What does this important decision actually mean for the women who stand to benefit?
The New York Times recently told the story of one woman who was denied access to the medicine she needed simply because her school opposed it:
One recent Georgetown law graduate, who asked not to be identified for reasons of medical privacy, said she had polycystic ovary syndrome, a condition for which her doctor prescribed birth control pills. She is gay and had no other reason to take the pills. Georgetown does not cover birth control for students, so she made sure her doctor noted the diagnosis on her prescription. Even so, coverage was denied several times. She finally gave up and paid out of pocket, more than $100 a month. After a few months she could no longer afford the pills. Within months she developed a large ovarian cyst that had to be removed surgically -- along with her ovary.
"If I want children, I'll need a fertility specialist because I have only one working ovary," she said.
Thanks to President Obama's decision, women like the one in the story will get access to basic, preventive health care.
And yet, anti-contraception activists and their allies in Washington are trying to take this coverage away.
Tell your representative to oppose attacks on women's access to birth control!
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64 Comments
My birth control is expensive and linked to higher rates of Brittle Bone disease. I have to do an office or clinic visit four times a year.
However, my birth control is the only thing keeping me from migraine headaches *every day*.
I found this out when trying to go to something better for my bones. I had to go back after an excruciatingly painful and very expensive year plus of ineffective trials.
The fact is that our culture hasn't moved forward enough to consider that women are not loaded religious symbols, but simply humans who have a right to live their lives to the fullest without the oppression from those who adhere to archaic beliefs and superstitions that view women as something other than people.
Our religious leaders have come out in support of contraception and I think everyone supports healthcare for women. The issue comes down to abortion, nothing more.
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text:
Mortgage Grapevine
Any advice on Realtors requiring bidders be prequalified by their favorite Mortgage Company
I wouldn't do business with a taxi driver.
I wouldn't take a contingency if I were a realtor.
If you want something to change, change YOUR client base.
by turdly December 19, 2012 3:00 PM
those directives are from the seller, the agent representing the seller is passing that on to you
you will mostly find this on bank owned properties.
I've also heard of loan officers contacting the lender that is required to provide a pre approval and give them some basic info and that LO shot over a pre qual letter.
Lastly, my understanding of credit is that if you have a mortgage pull from one company that any other mortgage pull within 30 days from the first pull only count as one pull for computing your score.
by LOANMAN December 19, 2012 3:44 PM
they are not requiring the buyers to apply for a mortgage with their lender, only to pre-qualify. Credit does not need to be pulled nor income documented on a pre-qual letter.
by ol'canuckle head December 19, 2012 4:02 PM
There could be a few potential issues, but would need to know more to determine if rules were violated.
For example, does the real estate agent's preferred lender share personal information about the borrower with the agent? If so that is a breach of confidentiality and the borrower could sue. But they would have to prove it.
Why does the real estate agent prefer a particular lender? If they receive something of value from that lender in return for sending the lender business that would be a violation of federal law. Of course, there needs to be proof.
There could potentially be any number of other illegal schemes going on between the agent and their preferred lender, but I'm not devious enough to be able to come up with them at the moment.
But when you hear hoofbeats think horses, not zebras. It is possible there is nothing illegal going on and agent just trusts their preferred lender. Whether that trust is well placed is a different issue. If the borrower does not wish to discuss their financial information with the "preferred lender" they need to walk away.
by oldbe December 19, 2012 4:11 PM
I don't see anything wrong with it. Honestly I would never want to be a prequal call center for any realtor. Because I know if the other lender educates their borrower properly they aren't going with me anyway. Who has the time?
We all know how competitive this industry is and I would use your situation as a learning experience. Why did they your borrower go with the other company even though the costs were higher? I think it's obvious.
by PDRMortgage December 19, 2012 4:24 PM
Good question, YATI. I don't know state law on real estate sales, but suspect that the listing agent can define in the listing agreement what offers the owner wants to see, such as only those those that appear to qualify using the preferred lender. Just a guess.
Hey, Marvin, what's the deal in Orygun?
by oldbe December 19, 2012 4:28 PM
My wife 32c and I are playing Realator now. We also require a prequal leter before
we show any homes to a buyer. We steer them to lenders/brokers that play ball with us and disclose the borrowers financial situation. Legal...Illegal I do'nt know..but if I were you I'd play the game.
And 32c gained a little weight..I think she should move up to a 34b.
by Power Pig December 19, 2012 4:49 PM
Unless otherwise instructed by the seller, a seller's agent is required to present all offers to the seller. The seller can instruct them to only present certain offers provided they are not illegally discriminating in what they do not want presented. They can say not to present offers less than $x, that can't close within a certain time period or who are financing that they want cash only.
With regards to requiring a pre-approval from a particular lender this is very common with REO properties. The larger banks selling the REO are requiring that the buyer be pre-approved by them. Partly self serving in trying to get the loan but also they want their people to do a pre-approval so they know the buyer is legit.
For the realtor to require this it would have to be approved by the seller. The seller can make pretty much any stipulation (legally allowed) they want as a condition of accepting an offer.
My guess is that it is as much about the realtors growing tired of dealing with originators who do not perform as it is about trying to put money in the pocket of a particular loan originator. If they have a couple of originators that they know can close loans and who are upfront with them about potential issues that's who they want to use. Hopefully they are doing it for the right reasons which is to protect their seller and make sure someone they trust has done a pre-approval so they know that financing shouldn't be an issue. Not to say they may not be doing it for the wrong reason which is to simply push business one way so they can get their end.
by ConservativeMe December 19, 2012 5:05 PM
Let me rephrase;
I wouldn't let a realtor show my house to someone not pre-approved, make an offer and jack me around only to find out they are flakes.
Get your people pre approved before letting them look at houses, or your realtor is just a taxidriver.
by turdly December 19, 2012 6:04 PM
Let me rephrase;
I wouldn't let a realtor show my house to someone not pre-approved, make an offer and jack me around only to find out they are flakes.
Get your people pre approved before letting them look at houses, or your realtor is just a taxidriver.
by turdly December 19, 2012 6:04 PM
Personally, I think they should be stopping in to get pre-approved (or not) before they ever talk to the realtors...but I realize it's not as sexy to flip through the newspaper or interwebs and picture yourself in an FHA loan as it is to dream what it would be like to be in that house with the picket fence. Shopping before you know what you can afford is dangerous. I'm just sayin'...
by ragingbats December 19, 2012 6:15 PM
Have you given your borrowers a preapproval letter from your company, stating that they are preapproved for XXX amount? If not, you should do this.
Also, you should find out what agent they are working with, so you can contact that agent and let them know that you too, are working with the client.
Unless you make friends with the agents and develop a relationship basedd on trust, you will always lose out to people like myself who understand the purchase business
by McC December 19, 2012 8:05 PM
Not sure what that means. Are you suggesting that this mortgage broker stop helping buyers needing financing bid on homes, and continue to let their privacy be breached so i dont have to worry about this issue? I dont follow you....anyone else? Perhaps someone who can see the harm this does to decent people, and might have some suggestions to help stop it?
by BBQPitMaster December 19, 2012 3:17 PM
LOL what a great response.
Welcome to the party. Tardly definitely takes the long road to get his point across.
He boozes during the day, molests Collies and is a glass half empty kinda of guy.
by MTB December 19, 2012 8:09 PM
No, I'm a 'who the hell pissed in my good clean glass' kinda guy.
If he doesn't understand the vernacular he shouldn't be in the business.
by turdly December 19, 2012 8:27 PM
MTB is right, Turdly is a drunk and a lot lizard at your local truck stop.
He never makes any sense. We all just laugh and wish he would go back to his self imposed exile.
Pay him no mind. Nobody else does.
by closemorethanudo December 19, 2012 9:27 PM
Tardly I think realtors are over paid taxi drivers. I have made that comment on this blog several times under my old handle, which I devulged per your request a while back .
If your a realtor or a borrower that is not insisting on a full income and credit approval before you schlep some idiot around town or before you pay some ass clown 3-6% to schlep you around then you are a fool and will either waste your time or over pay.
Now git yur guns lets kill some shit
by MTB December 20, 2012 12:56 AM
you want him to get his gun...you just can't stop thinking about ramming it up him can you
by LOANMAN December 20, 2012 8:05 AM
I guess I missed your name outing, but thanks for doing it.
I consider that one a generalized statement and that MTB, like I often do, mighta missed the 'you all'.
by turdly December 20, 2012 10:30 AM
become their favorite mortgage person, perhaps?
by jimmymac079 December 20, 2012 5:26 PM
I'm a little late to the discussion, so I don't know if you will see this, but I've had a lot of my clients say the listing agent was requiring them to get pre-approved with their lender.
The way I handled it was to ask for the listing agent's contact info. Then I called the listing agent and had a conversation that went something like this:
I understand where you're coming from, but I want to let you know Mr. X is fully DU approved with me already, and my pre-approvals are good and solid. He has what we call a clean loan, meaning high score, low debt ratio, and no foreseeable issues. Then I go on about my own credentials and build rapport by asking about him as well.
I wrap up by telling him Mr. X doesn't want his credit pulled over and over again, because even if it doesn't generate a hit on his credit score, it doesn't look good on his report to have a lot of inquiries.
By the time we're done with our 10 min. conversation, I've made friends with the listing agent and they drop the requirement upon receipt of my pre-approval letter.
I also inform my client that coercion is illegal and that he has the right to choose any lender he wants, and that there is no reason he should be coerced or manipulated into switching to a lender he didn't choose.
Good luck.
by Loan Writer December 21, 2012 11:34 AM


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Selections from the Asian Collection
Click on the artist's or object's name to view image(s) and additional information.
To see more of the Museum's collection, view our online catalogue >
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Sculpture | Pre-Akbar Painting | Mughal Painting | Rajput Painting
Pre-Akbar Painting
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Rajasthan and Contiguous regions


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The lecture will run from 7-8:30 p.m. Tickets are $5 for adults and free for students.
The Wadsworth Auditorium is located at 25 Jefferson Street near downtown Newnan.


text:
Baked Mashed Potato and Vegetable Omelet
Total Time
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- 1 large red bell pepper, chopped fine
- 1 large green bell pepper, chopped fine
- 1 cup finely chopped onion
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- 1⁄4 cup chopped fresh parsley
- salt and pepper
- In a large oven-proof skillet, saute the peppers, onion, and mushrooms in 2 tablespoons of olive oil and salt and pepper to taste.
- Saute over medium-low heat for about 5-10 minutes or until the veggies are tender and the mushroom liquid has evaporated.
- In a large bowl, combine the eggs, potatoes, parmesan, parsley, salt, and pepper; whisk until the mixture is well mixed.
- Stir in the vegetable mixture.
- In the same skillet, heat the remaining olive oil.
- Pour in the egg mixture.
- Bake at 325 degrees for 20-30 minutes or until set.
- Cut the omelet into wedges and serve warm.


text:
San Francisco 49ers safety Donte Whitner has departed the game with a knee injury. He was replaced briefly by C.J. Spillman, returned and then left again before being ruled out by the 49ers. According to the media on hand, the injury did not appear to be too serious. Whitner was seen sitting on the bench with ice on his knee. We don't know exactly what it means, but it's certainly better than seeing him go to the locker room to get checked out.
Donte Whitner Leaves Blowout with Knee Injury
From NinersNation.com
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