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Kissimmee FL Cityscape

Overview of Kissimmee

Kissimmee is a sunny, warm community located in beautiful Central Florida, and Kissimmee apartments for rent are your ticket to living the Floridian lifestyle. With year-round desirable temperatures, picturesque landscapes and the biggest family tourist destination in the United States - Walt Disney World - just next door, Kissimmee apartments have something to offer everyone. According to the U.S. Census Bureau, less than 62,000 people live here, which allows Kissimmee to foster a more nurturing atmosphere than other area cities.

Living in Kissimmee

With close proximity to Orlando, Kissimmee apartments for rent are popular with both families and singles who move to Florida to take advantage of the opportunities for professional and personal growth. The community was incorporated in 1887 as a small trading post, and in the years since, has experienced a changing economy fueled by agriculture, cattle ranching and Disney World tourism. Today, the Kissimmee Community Redevelopment Agency works hard to promote local initiatives and continue to make the city a great place to call home.

From maintaining bass fishing lakes to reinvesting in the beautification of streetscapes, there is constantly something happening here. For those living in Kissimmee apartments seeking entertainment, local attractions include A World of Orchids, Fun Spot USA and Medieval Life, the only permanent medieval village in the United States.

Kissimmee Apartments and Cost of Living

Kissimmee apartments for rent are as affordable as they are desirable. Rental prices aren't the only thing that is reasonably priced here: necessities and entertainment are also likely within your budget. AreaVibes noted that in Kissimmee, gasoline costs about $3.60 a gallon, while milk will run you $2.72 a gallon. The affordability here led the city to earn a cost of living index of 93.1, which is much lower than the national average. If you relocate to Kissimmee, you'll be able to enjoy all this and more in your everyday life.

Apartments in Kissimmee Work and Study

Kissimmee - especially the downtown area - hosts a diverse mix of local businesses that thrive in the healthcare, vacation, senior citizen care and grocery industries. According to the official website of Osceola County, the top employers in town are the Gaylord Palms Resort and Convention Center, Valencia Community College, the Tupperware Corporation, Walmart, Osceola Regional Medical Center, Publix Supermarkets and Florida Hospital Kissimmee. Many local residents also head to Orlando to work in various jobs at the Walt Disney Company.

For those seeking education, there are options available in Kissimmee that will allow students living in Kissimmee apartments to attend classes in an unrivaled environment. Most of these schools - including Florida Christian College, the Academy of Career Training and the Technical Education Center, Osceola - provide a more close-knit college experience with smaller enrollment numbers. However, the University of Central Florida is also located nearby, and with more than 37,000 students, is by far the largest college in the region.

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Fieldstone Apartment Homes

510 Quaker Creek Drive, Mebane NC 27302

This property is no longer supported by Pricing and description information may not be up-to-date. Check out other great properties in the area, we're sure we can find you the perfect home.

DishwasherGarbage DisposalRefrigerator

Laundry FacilityWasher & Dryer ConnectionsWasher/Dryer in Unit

Contact for details

Pets OKPet Park

Air ConditioningBalcony, Patio, DeckCable ReadyFurnished AvailableHigh Speed Internet AccessOversized ClosetsSome Utilities CoveredView

Accepts Credit Card Payments, Clubhouse, Disability Access, Emergency Maintenance, Extra Storage, Fitness Center, On Site Maintenance, On Site Management, Playground, Pool

24-hour Emergency Maintenance service, 24-hour Fitness center, Clothes care center, Corporate units available, Fully equipped kitchen, High-speed internet access, Large oversized closets, Largest Saltwater pool in Mebane, Minutes from I 40/85 and the Tanger Outlets, Pets welcome/No pet rent, Picnic area, Private patio/balconies, Short Term Available, Unbeatable customer service, Washer/dryer connections

Property Details

Minutes from 40/85...Largest Pool in Mebane...Free water, sewer, and garbage...

WHEN LOCATION AND VALUE PLAY AN IMPORTANT ROLE IN YOUR DECISION, Fieldstone Apartment Homes should be the first place you look. Mebane's finest apartment community is just minutes to shopping, schools and the interstate, making it a convenient commute to RTP, Raleigh/Durham or Greensboro. Enjoy the convenience of a mid-day swim in the pool, or work out in the fitness center after a long business day. Everything you need to make a good life even better is right here waiting for you.

Leasing Terms

Leases offered 3 months, 6 months, 7 months, 9 months, 10 months, 11 months, and 12 months. Application fee is $50 for the first applicant and $25 for each additional applicant over 18 years of age. $150 Reservation fee. $300 Security Deposit - Conditional. Pet policy allows cats and dogs. The weight limit is 75 lbs and the max number of pets is 2. The restricted breeds are Doberman, Chow, Pit Bulls, and Rottweiler. The refundable pet deposit is zero and the Non-refundable pet fee is $300. The refundable satellite deposit is $200 and the non-refundable satellite fee is $100.

Pet Policy

Pets Accepted. Cats Allowed. Dogs Allowed. Call for service animal policy.

Community Information

240 units

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Transit cuts in Renton not as bad as orginally thought

Ron Ovadenko makes his case before the King County Council
Ron Ovadenko makes his case before the King County Council's Transportation, Economy and Environment Committee's public hearing May 20 in Renton.
— image credit: Brian Beckley, Renton Reporter

A new analysis of planned Metro service cuts following the failure of the Prop. 1 funding measure shows Renton set to lose some service but not as much as originally thought.

With a county-wide change from 600,000 service hours originally planned to be cut dropping to a new total of 550,000 hours cut, Renton is set to get two of the planned deleted routes back.

The cut reduces transit service by a total of 16 percent.

Though originally slated for deletion, Route 105 and Route 908DART now remain unchanged in the latest service proposal.

However, several routes that serve Renton are still scheduled for deletion, including the 110, 161, 167, 280, and 909DART.

According to the city’s analysis, the 110, which runs from the Longacres Sounder Station through the Renton Transit Center and up to the Kenworth/Paccar plant runs 10 trips each way coinciding with the Sounder trains, but was scheduled for deletion when the RapidRide F line begins operation early next month.

The 161 is a peak-hour weekday-only service from the East Hill of Kent to Seattle. It passes through Renton via 108th Avenue Southeast, Carr Road, Lind Avenue and Grady Way. Instead, riders will have to use route 169 which has connections to Seattle through the Renton Transit Center, though the overall trip time will likely increase because of a transfer.

Route 280 is a night-owl service around Lake Washington, including Renton. It only operates two trips nightly in the early morning hours. No other fixed route options would be available to third-shifters and night owls.

The 908DART route operates weekdays and Saturdays and runs from Downtown Renton to Renton Highlands (south of Sunset Boulevard), Renton Technical College and the Maplewood neighborhood. The 105 could provide an alternative for some, but it may require longer walks or drives to transit stops.

The 909DART runs from downtown to the Highlands (north of Sunset) and Kennydale. The 105 and 240 may provide an alternative for some, but again, longer walks to stops will most likely be necessary.

Revisions would also be necessary to the following Metro routes: 106, 107, 111, 114, 143 EX, 148, 240, and 907DART.

The King County Council’s Transportation, Economy and Environment Committee hosted a series of three public hearing in the past few weeks to gauge community response to the plan.

At the final meeting Tuesday evening in Renton, about 25 residents from around the region turned out to plead the case for their routes and make suggestions about where to find extra revenue.

The committee opened with a presentation about the transit provider’s revenue problems and the need to make reduction. According to the presentation, Metro has made $798 million in cuts in recent years, including 100 employees, to help bring costs in line, but it is still not enough. The agency has also made four fare increases with a fifth scheduled for next year at a total revenue increase of $145 million.

The total ongoing annual savings, according to the presentation, is $148 million per year.

The reduction plan will be phased in in four steps, beginning in September.

The route that garnered the most attention on Tuesday was the 167, which runs to UW.

Betsy Bradsby of Maple Valley told the committee she uses that route everyday as her commute.

“There’s no reasonable alternative to this route,” she said, asking the council to look at their cost structure again and try to save the 167, as did at least one other speaker.

Other speakers spoke on behalf of their routes, including Ron Ovadenko of Renton, who uses a wheelchair to get around and said he uses Metro all the time. Though his primary route is not scheduled for deletion, Ovadenko told the council he might be affected by others cuts to routes he uses, such as those for medical appointments.

“More can be done,” he told the committee.

“Your voices do matter,” said Councilman Dave Upthegrove after the testimony. “It may be only a 15 percent cut, but if it’s your route, it’s a 100 percent cut.”

Councilman Rod Dembowski took notes through the meeting and said he would be working to address concerns of the riders, as well as alternatives to try and raise revenue.

“We are looking at everything we can,” he said. “But we really have a tough row to hoe.”

Dembowski said he expects the September cuts to go forward, but hopes something can be worked out before the other phases kick in and said he would like to see an outside auditor take a look at the books as well.

“It’s my hope that we delay the other three quarters (of cuts) while we look for revenue and efficiencies,” he said. “It’s not a fait accompli.”

For detailed information on the changes, visit

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Tuesday, November 13, 2012 3:03 AM EST

The fall of former baseball star Brien Taylor

One-time Yankees' prospect pleads guilty to distributing crack

By Luke DeCock
The News & Observer (Raleigh, N.C.) (MCT)

NEW BERN, N.C. - Once, not so long ago, Brien Taylor stood on the mound and looked down at hitters who quivered in fear at what his left arm was about to deliver. Wednesday morning, he looked up at a federal judge, awaiting her delivery of his prison sentence.

The No. 1 overall pick in the 1991 baseball draft by the New York Yankees out of East Carteret (N.C.) High School, Taylor hadn't thrown a pitch in 13 years, his career fizzling after he tore up his million-dollar shoulder in a penny-ante fistfight after only his second pro season. He was on disability for a heart condition and addicted to painkillers, according to evidence presented in court Wednesday, when an undercover cop bought crack cocaine from him in Morehead City three times in October 2011.

Taylor, 40, pleaded guilty to one charge of distributing 28 grams or more of crack and arrived in court Wednesday before U.S. District Judge Louise Flanagan for sentencing. Six members of his family sat behind him in the courtroom.

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George W. Richard Jr.

WEST HARTFORD — George William "Teddy" Richard Jr., 64, formerly of Cheshire, died March 7, 2014. Funeral services Friday, March 14, 2014, 11 a.m. at St. Thomas Becket Church, Cheshire. Burial will be at the convenience of the family. Visitation Thursday, 6 to 8 p.m. at Alderson Funeral Home of Cheshire. Please visit www.aldersonfuneralhomes.com.

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97% of Lancaster students go into work or further study within six months of graduating

Home > Research > Projects > P2P-NEXT - Next generation peer-to-peer content...
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P2P-NEXT - Next generation peer-to-peer content delivery platform

Project: Non-funded ProjectProjects

P2P-Next develops an open source, efficient, trusted, personalized, user-centric, and participatory television and media delivery system with social and collaborative connotation using the emerging Peer-to-Peer (P2P) paradigm, which takes into account the existing EU legal framework. The P2P-Next integrated project will build a next generation Peer-to-Peer (P2P) content delivery platform, to be designed, developed, and applied jointly by a consortium consisting of high-profile academic and industrial players.

The current infrastructure of the Internet is not suited to simultaneous transmission of live events to millions of people (i.e. broadcasting). With millions of potential users, this will easily congest the Internet. Also, the use of Audiovisual Media is moving from a collective and passive approach to personal active behaviour. At the same time use patterns are moving away from the classic model of linear broadcast TV. The TV set no longer has the monopoly of delivery of audiovisual content; the PC and mobile devices are also becoming increasingly important.

In such heterogeneous and demanding environments, P2P-based technology is considered an essential ingredient for future efficient and low-cost delivery of professional and user created content. This development will have important consequences for the existing business models and institutions, as well as for content production, content distribution, and end user experience.

In response to these challenges, the objective of P2P-Next is to move forward the technical enablers to facilitate new business scenarios for the complete value chain in the content domain, i.e. from a linear unidirectional push mode to a user centric, time and place independent platform paradigm.

P2P-Next will develop a platform that takes open source development, open standards, and future proof iterative integration as key design principles.


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97% of Lancaster students go into work or further study within six months of graduating

Home > Research > Publications & Outputs > Measurements of stiff-material compliance on th...
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Measurements of stiff-material compliance on the nanoscale using ultrasonic force microscopy

Research output: Contribution to journalJournal article

Journal publication date15/05/2000
JournalPhysical Review B
Number of pages12
Original languageEnglish

Ultrasonic farce microscopy (UFM) was introduced to probe nanoscale mechanical properties of stiff materials. This was achieved by vibrating the sample far above the first resonance of the probing atomic force microscope cantilever where the cantilever becomes dynamically rigid. By operating UFM at different set force values, it is possible to directly measure the absolute values of the tip-surface contact stiffness. From this an evaluation of surface elastic properties can be carried out assuming a suitable solid-solid contact model. In this paper we present curves of stiffness as a function of the normal load in the range of 0-300 nN. The dependence of stiffness on the relative humidity has also been investigated. Materials with different elastic constants (such as sapphire lithium fluoride, and silicon) have been successfully differentiated. Continuum mechanics models cannot however explain the dependence of stiffness on the normal force and on the relative humidity. In this high-frequency regime, it is likely that viscous forces might play an important role modifying the tip-surface interaction. Plastic deformation might also occur due to the high strain rates applied when ultrasonically vibrating the sample. Another possible cause of these discrepancies might be the presence of water in between the two bodies in contact organizing in a solidlike way and partially sustaining the load.

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Intraspecific invariability of the internal transcribed spacer region of rDNA of the truffle Terfezia terfezioides in Europe.

Department of Botany, University of Szeged, 6701 Szeged, Hungary.
Folia Microbiologica (Impact Factor: 1.15). 02/2001; 46(5):423-6. DOI: 10.1007/BF02814433
Source: PubMed

ABSTRACT ITS regions (internal transcribed spacers--ITS1 and ITS2--with the 5.8S gene of the nuclear rDNA) of 25 fruit body samples of Terfezia terfezioides, originating from Hungary and Italy, were compared. The amplification and sequencing of the ITS region was successful with both the ITS1-ITS4 and ITS1F-ITS4 primer pairs. No differences of the restriction fragment length polymorphism profiles were detected among 19 samples collected in one place at the same time. The sequences of the ITS region of 9 samples collected in different localities were highly invariable, differing in only two bases. Thus the intraspecific homogeneity of the ITS region seems to be an important species-specific characteristic of T. terfezioides in contrast to other Terfezia species. As the samples of the species were collected from different and distant localities of Europe, the ITS sequence of T. terfezioides can be considered a very conservative, reliable molecular marker of the fungus.

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    ABSTRACT: The aim of this paper is to encourage reluctant ecologists thinking more on the use of genetic markers. No training in molecular methods is supposed. The resistance may be explained by the confusion of the high number of methods, including laboratory techniques (named by up to four characters) and evaluation. Inevitably, field work needs some extra step to collect DNA source, but sampling strategy is the same or even less restrictive owing to the new, powerful statistical methods. Laboratory techniques develop very fast, many phases can be done automatically and/or many customers provide services on reasonable price. Despite the financial and technical requirements, genetic markers provide high quality information that can be obtained hardly otherwise, or simply impossible. We try to overview the most important genetic markers and technology used recently. Some examples are given by studies of parentage, population structure (migration, fragmentation) or population history.
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    ABSTRACT: The type of the in vitro root interactions of Terfezia terfezioides with the plants Robinia pseudoacacia and Helianthemum ovatum was investigated including detailed anatomical and ultrastructural characterization. No difference in growth was detected at different phosphate concentrations on agar synthetic medium between the inoculated and control plants during a short-time cultivation. The fungal colonization of the roots increased with higher phosphate level in both plant species, but was always lower in R. pseudoacacia roots. Septate hyphae formed frequently intracellular branched coils in dead cortical cells. In H. ovatum intercellular hyphae were observed forming finger-like structures reminiscent of Hartig-net structures in ectomycorrhizae. A loose hyphal envelope covered the root surface of both colonized and noncolonized roots. The features resembled similar structures described earlier during the mycorrhizae of different Terfezia species. Our detailed anatomical and ultrastructural study shows that the in vitro root interactions of the T. terfezioides cannot be considered unambiguously as mycorrhiza.
    Folia Microbiologica 02/2003; 48(3):369-78. DOI:10.1007/BF02931369 · 1.15 Impact Factor
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    ABSTRACT: Species in the genus Tomentella (Thelephoraceae) belong to the most frequent and widespread ectomycorrhizal (EM) fungi found in temperate and boreal forests. Although several unidentified tomentelloid morphotypes have been presented as common members of EM communities in coniferous and broad-leaved forests, few tomentelloid EM have been identified and described in detail. In this study, ten tomentelloid EM isolates collected from Populus alba, Quercus cerris and Picea abies stands in Hungary and Germany are characterized and documented by morphological-anatomical methods using light microscopy. The investigated ectomycorrhizae belong to the same brown-black tomentelloid morphotype but form two different anatomotype groups (At I and At II). Molecular taxonomical identification was accomplished using phylogenetic analysis (neighbor joining method) of 49 Tomentella nrDNA-ITS nucleotide sequences including the 10 new and 39 GenBank sequences. The EM isolates clustered into two adjoining clades identical with the two anatomotypes. At II clustered with Tomentella stuposa while At I could not be identified to species. Based on the morphological similarity and the low genetic difference it must be a closely related taxon. A comparison of the recently known tomentelloid EM to T. stuposa is presented. Ecological questions involving abundance and host relationships are discussed.
    Mycorrhiza 05/2005; 15(4):247-258. DOI:10.1007/s00572-004-0326-1 · 2.99 Impact Factor
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Dual Role for Argonautes in MicroRNA Processing and Posttranscriptional Regulation of MicroRNA Expression

Massachusetts General Hospital Cancer Center, Harvard Medical School, Charlestown, MA 02129, USA.
Cell (Impact Factor: 33.12). 01/2008; 131(6):1097-108. DOI: 10.1016/j.cell.2007.10.032
Source: PubMed

ABSTRACT MicroRNAs are small endogenous noncoding RNAs involved in posttranscriptional gene regulation. During microRNA biogenesis, Drosha and Dicer process the primary transcript (pri-miRNA) through a precursor hairpin (pre-miRNA) to the mature miRNA. The miRNA is incorporated into the RNA-Induced Silencing Complex (RISC) with Argonaute proteins, the effector molecules in RNA interference (RNAi). Here, we show that all Argonautes elevate mature miRNA expression posttranscriptionally, independent of RNase activity. Also, we identify a role for the RISC slicer Argonaute2 (Ago2) in cleaving the pre-miRNA to an additional processing intermediate, termed Ago2-cleaved precursor miRNA or ac-pre-miRNA. This endogenous, on-pathway intermediate results from cleavage of the pre-miRNA hairpin 12 nucleotides from its 3'-end. By analogy to siRNA processing, Ago2 cleavage may facilitate removal of the nicked passenger strand from RISC after maturation. The multiple roles of Argonautes in the RNAi effector phase and miRNA biogenesis and maturation suggest coordinate regulation of microRNA expression and function.

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Available from: Sven Diederichs, Jan 09, 2014
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    • "In the context of interferon-induced PKR activation, it has been proposed that TRBP inhibits PKR function both by dsRNA sequestration and by direct protein-protein interaction (Benkirane et al., 1997; Park et al., 1994). In contrast, we describe above that metabolic stress induces interaction between TRBP and PKR, leading to PKR activation and suggesting a dual regulatory role for TRBP, as has been reported for some other components of the RLC (Clerzius et al., 2013; Diederichs and Haber, 2007). In an attempt to gain mechanistic insights into TRBP function, we asked whether a post-translational modification of TRBP might alter its interaction with PKR and differentially regulate its activity . "
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    ABSTRACT: Aberrant stress and inflammatory responses are key factors in the pathogenesis of obesity and metabolic dysfunction, and the double-stranded RNA-dependent kinase (PKR) has been proposed to play an important role in integrating these pathways. Here, we report the formation of a complex between PKR and TAR RNA-binding protein (TRBP) during metabolic and obesity-induced stress, which is critical for the regulation of eukaryotic translation initiation factor 2 alpha (eIF2α) phosphorylation and c-Jun N-terminal kinase (JNK) activation. We show that TRBP phosphorylation is induced in the setting of metabolic stress, leading to PKR activation. Suppression of hepatic TRBP reduced inflammation, JNK activity, and eIF2α phosphorylation and improved systemic insulin resistance and glucose metabolism, while TRBP overexpression exacerbated the impairment in glucose homeostasis in obese mice. These data indicate that the association between PKR and TRBP integrates metabolism with translational control and inflammatory signaling and plays important roles in metabolic homeostasis and disease. Copyright © 2015 The Authors. Published by Elsevier Inc. All rights reserved.
    Cell Reports 04/2015; 274(2). DOI:10.1016/j.celrep.2015.03.021 · 8.36 Impact Factor
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    • "Consistent with these changes, increased expression of components of the miRNA processing pathway has been detected in the brains of schizophrenic patients (Beveridge et al., 2010; Santarelli et al., 2011). Additionally, the expression of Ago2, which is involved in effecting miRNA-induced silencing (Cenik and Zamore, 2011), as well as the regulation of mature miRNA expression and miRNA processing (Diederichs and Haber, 2007), has been found to be down-regulated in peripheral blood mononuclear cells in schizophrenic patients (Gardiner et al., 2013). miRNAs are short (~22 nt) RNA sequences that can each target hundreds of mRNAs by complementarity to the 3 0 untranslated region, generally resulting in the suppression of gene expression either by affecting mRNA stability or translation (Valencia-Sanchez et al., 2006). "
    [Show abstract] [Hide abstract]
    ABSTRACT: Bipolar disorder (BD) is a highly heritable psychiatric disorder characterised by recurrent episodes of mania and depression. Many studies have reported altered gene expression in BD, some of which may be attributable to the dysregulated expression of miRNAs. Studies carried out to date have largely studied medicated patients, so it is possible that observed changes in miRNA expression might be a consequence of clinical illness or of its treatment. We sought to establish whether altered miRNA expression might play a causative role in the development of BD by studying young, unmedicated relatives of individuals with BD, who are at a higher genetic risk of developing BD themselves (high-risk individuals). The expression of 20 miRNAs previously implicated in either BD or schizophrenia was measured by qRT-PCR in whole-blood samples from 34 high-risk and 46 control individuals. Three miRNAs, miR-15b, miR-132 and miR-652 were up-regulated in the high-risk individuals, consistent with previous reports of increased expression of these miRNAs in patients with schizophrenia. Our findings suggest that the altered expression of these miRNAs might represent a mechanism of genetic susceptibility for BD. Moreover, our observation of altered miRNA expression in the blood prior to the onset of illness provides hope that one day blood-based tests may aid in the risk-stratification and treatment of BD. Copyright © 2015. Published by Elsevier Ltd.
    Journal of Psychiatric Research 01/2015; 62. DOI:10.1016/j.jpsychires.2015.01.006 · 4.09 Impact Factor
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    • "MicroRNAs abundance is dependent on the presence of Argonaute proteins. It has been previously reported that a loss of Ago2 resulted in loss of microRNA and the reexpression of Argonaute proteins led to increased expression of precursor microRNAs [8]. However, the mechanisms that regulate microRNAs turnover are not fully understood neither perhaps fully identified. "
    [Show abstract] [Hide abstract]
    ABSTRACT: MicroRNAs are endogenous regulators of gene expression either by inhibiting translation or protein degradation. Recent studies indicate that microRNAs play a role in cardiovascular disease and renin-angiotensin-aldosterone system- (RAAS-) mediated cardiovascular inflammation, either as mediators or being targeted by RAAS pharmacological inhibitors. The exact role(s) of microRNAs in RAAS-mediated cardiovascular inflammation and remodeling is/are still in early stage of investigation. However, few microRNAs have been shown to play a role in RAAS signaling, particularly miR-155, miR-146a/b, miR-132/122, and miR-483-3p. Identification of specific microRNAs and their targets and elucidating microRNA-regulated mechanisms associated RAS-mediated cardiovascular inflammation and remodeling might lead to the development of novel pharmacological strategies to target RAAS-mediated vascular pathologies. This paper reviews microRNAs role in inflammatory factors mediating cardiovascular inflammation and RAAS genes and the effect of RAAS pharmacological inhibition on microRNAs and the resolution of RAAS-mediated cardiovascular inflammation and remodeling. Also, this paper discusses the advances on microRNAs-based therapeutic approaches that may be important in targeting RAAS signaling.
    01/2015; 2015:1-7. DOI:10.1155/2015/101527
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Role of neuropeptide Y and proopiomelanocortin in fluoxetine-induced anorexia.

Laboratory in Pharmacology, Chungnam National University College of Pharmacy, Daejeon 305-764, Korea.
Archives of Pharmacal Research (Impact Factor: 1.75). 07/2005; 28(6):716-21. DOI: 10.1007/BF02969363
Source: PubMed

ABSTRACT Fluoxetine is an anorexic agent known to reduce food intake and weight gain. However, the molecular mechanism by which fluoxetine induces anorexia has not been well-established. We examined mRNA expression levels of neuropeptide Y (NPY) and proopiomelanocortin (POMC) in the brain regions of rats using RT-PCR and in situ hybridization techniques after 2 weeks of administering fluoxetine daily. Fluoxetine persistently suppressed food intake and weight gain during the experimental period. The pair-fed group confirmed that the reduction in body weight in the fluoxetine treated rats resulted primarily from decreased food intake. RT-PCR analyses showed that mRNA expression levels of both NPY and POMC were markedly reduced by fluoxetine treatment in all parts of the brain examined, including the hypothalamus. POMC mRNA in situ signals were significantly decreased, NPY levels tended to increase in the arcuate nucleus (ARC) of fluoxetine treated rats (compared to the vehicle controls). In the pair-fed group, NPY mRNA levels did not change, but the POMC levels decreased (compared with the vehicle controls). These results reveal that the chronic administration of fluoxetine decreases expression levels in both NPY and POMC in the brain, and suggests that fluoxetine-induced anorexia may not be mediated by changes in the ARC expression of either NPY or POMC. It is possible that a fluoxetine raised level of 5-HT play an inhibitory role in the orectic action caused by a reduced expression of ARC POMC (alpha-MSH).

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    • "Rats in each cage were assigned together either for fluoxetine or for vehicle, randomly. The chronic dosage of fluoxetine used in this study significantly suppressed food intake in adult rats (Myung et al., 2005), and was proved to maintain the serum fluoxetine levels corresponding to an effective therapeutic dose for depressed patients (Dulawa et al., 2004). "
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    ABSTRACT: This study was conducted to examine if fluoxetine, a selective 5-hydroxytryptamine (5-HT) reuptake inhibitor, would reverse adverse behavioral effects of neonatal maternal separation in female rats. Sprague-Dawley pups were separated from dam daily for 3h during postnatal day (PND) 1-14 (maternal separation; MS) or left undisturbed (non-handled; NH). Female NH and MS pups received intraperitoneal injection of fluoxetine (10mg/kg) or vehicle daily from PND 35 until the end of the whole experimental period. Rats were either subjected to behavioral tests during PND 44-54, or sacrificed for neurochemical analyses during PND 43-45. Daily food intake and weight gain of both NH and MS pups were suppressed by fluoxetine, with greater effects in MS pups. MS experience increased immobility and decrease swimming in forced swim test. Swimming was increased, although immobility was not significantly decreased, in MS females by adolescence fluoxetine. However, adolescence fluoxetine increased immobility during forced swim test and decreased time spent in open arms during elevated plus maze test in NH females. Fluoxetine normalized MS-induced decrease of the raphe 5-HT levels and increased 5-HT metabolism in the hippocampus in MS females, and increased the hypothalamic 5-HT both in NH and MS. Fluoxetine decreased the raphe 5-HT and increased the plasma corticosterone in NH females. Results suggest that decreased 5-HTergic activity in the raphe nucleus is implicated in the pathophysiology of depression-like behaviors, and increased 5-HTergic activities in the raphe-hippocampus axis may be a part of anti-depressant efficacy of fluoxetine, in MS females. Also, an extra-hypothalamic 5-HTergic activity may contribute to the increased anorectic efficacy of fluoxetine in MS females. Additionally, decreased 5-HT in the raphe and elevated plasma corticosterone may be related with fluoxetine-induced depression- and/or anxiety-like behaviors in NH females.
    Psychoneuroendocrinology 09/2012; 38(6). DOI:10.1016/j.psyneuen.2012.08.013 · 5.59 Impact Factor
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    • "However, 5-HTP injections did not increase the expression of proopiomelanocortin (POMC), functional precursor of α-MSH, in the arcuate nucleus (our unpublished observation). We have previously reported that the arcuate POMC expression is decreased by chronic treatment with selective 5-HT reuptake inhibitor fluoxetine known to increase the brain 5-HT level (Myung et al., 2005). Thus, it is concluded that the increased pERK1/2 in the PVN of 5-HTP injected rats is less likely due to an activation of melanocortin pathways. "
    [Show abstract] [Hide abstract]
    ABSTRACT: This study was conducted to define the underlying mechanism of hypophagia induced by increased central serotonergic action. Rats received 3 daily injections of 5-hydroxy-L-tryptophan (5-HTP), a serotonin precursor, at a dose of 100 mg/kg/10 ml saline at 1 h before lights off. A significant suppression in food intake was observed shortly after the 5-HTP injection and persisted during 3 daily 5-HTP injections. Neuropeptide Y (NPY) expression in the arcuate nucleus increased after 3 days of 5-HTP treatment, as high as in the pair-fed group. Immunoreactivity of phosphorylated extracellular signal-regulated protein kinase (pERK1/2) in the hypothalamic paraventricular nucleus (PVN) was increased markedly by 3 days of 5-HTP treatment, but not by 3 days of pair-fed. mRNA expression levels of serotonin reuptake transporter (5-HTT) was increased in the dorsal raphe nucleus of the 5-HTP treated rats, but not in the pair-fed group. Results suggest that increased pERK1/2 in the PVN of 5-HTP injected rats may be a part of serotonergic anorectic signaling, perhaps blunting the orectic action of NPY; i.e., 5-HTP injected rats showed hypophagia despite of increased NPY expression in the arcuate nucleus.
    12/2010; 19(3):132-9. DOI:10.5607/en.2010.19.3.132
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    ABSTRACT: The monoamine theory of mood disorders has dominated psychiatric dogma for nearly 50 years. Recent findings about the role of brain peptides in the regulation of emotions and behavior challenge this over-simplified theory, and are about to open the door for a new era, focused on peptides as putative complementary drug targets in psychiatry. The development of improved animal models for depression would accelerate its arrival. Drug Dev. Res. 65:93–96, 2005. © 2005 Wiley-Liss, Inc.
    Drug Development Research 07/2005; 65(3):93 - 96. DOI:10.1002/ddr.20012 · 0.73 Impact Factor
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Overdraft News

The latest news on overdraft fees, overdraft fees and other bank fees from the Center for Responsible Lending.

Items 161 - 180 of 193  Previous12345678910Next
  • 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.”
Items 161 - 180 of 193  Previous12345678910Next


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GameStop offers a Wii bit of excitement

GRAPEVINE, Texas — The struggling video game category should see a much-needed boost with the arrival of Nintendo's Wii U.

GameStop is wasting no time getting in on the buzz by announcing that it has begun taking pre-orders for the platform along with many popular Wii U games, including "Call of Duty: Black Ops II," "ZombiU," "New Super Mario Bros. U" and "Batman: Arkham City: Armored Edition."

“Our customers have been anxious to pre-order the Wii U since details were announced at E3,” said GameStop president Tony Bartel. “Wii U is a great way to launch the next generation of video game consoles and is sure to be at the top of a lot of wish lists this holiday season.”

GameStop is also offering additional savings to customers who trade in their old consoles. Depending on the device, customers can receive up to $140 in credit good toward the purchase of a Wii U.

The Wii U will be available Nov. 18 at all U.S. GameStop stores and online at

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Save the date: SHOP conference a go for May 10

The Center for Retail Excellence at the University of Arkansas’ Sam M. Walton College of Business is scheduled to hold its second annual SHOP conference on May 1 with Walmart’s head of global consumer insights recently confirmed as a guest speaker.

Center director Claudia Mobley said Cindy Davis, EVP global consumer insights at Walmart was among a group of consumer insights and shopper marketing professionals scheduled to speak at the event which runs from 7 a.m. to 1 p.m. on May 10. Mobley said other speakers confirmed at this point include Fern Grant, VP strategic planning with Mars, Phillip Chambers, head of global insights at PepsiCo, and Anne Zybowski, director of retail insights for digital and apparel with Kantar.

The event will be held at the Donald W. Reynolds Center on the Fayetteville campus of the University of Arkansas. For more information contact

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Thread: Genetic breakdown of expected litter......

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    Thumbs up Genetic breakdown of expected litter......

    I am expecting a litter of all yellow pups on 30 June. Here is the breakdown of who is in the pedigree. The Grandsire is Rudy and the Granddam is Longbranch Dixie Dancer*** who were the parents of NFC Dr Copper PHD.(RIP).This is the 3rd breeding and the first two litters are all awesome pups. I am planning on running the pup I kept out of the first litter in DERBY this fall. He is a marking machine and very stylish. Both parents are listed on my website with their clearances.....Otey
    Last edited by Sundown49 aka Otey B; 06-18-2008 at 11:52 AM. Reason: add link.........duhhhhhhhhh
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description: The Lutz Family moves into a house on the coast of long island, thinking that it is their dream home. They quickly realize that all is not as it seems. A room full of flies, priests and nuns are driven away from the house in fits of sickness, and a secret room that seems to be a gate to hell are just some of the things they face in the house with the creepy-window eyes! Creepy Skeleton head! Classic horror film.


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Tuesday, March 20, 2012

Yesterday I cleared out the strawberry bed. I pruned and pulled and cut and learned that strawberries are a fantastically prolific little plant. They propagate like bunnies it seems which is great for any strawberry farm but not so wonderful for us small, multi-vegetal farming folk. These little fruited rabbits spread about 5 feet in every direction, climbing into the herb boxes, pea beds, and anywhere else they could find a little free soil and a bit of sun. Each year I learn a new gardening lesson. Okay, many new lessons. Today's was prune in fall.

That being said, this unusually warm weather has me wondering if things will be coming a bit early this year. We have buds and blossoms on our fruit trees, daffodils in the yard, tulips popping up and green just about everywhere [including on the pond in the form of never ending algae]. This thought led me to take inventory of my freezer and, as it turns out, we have a few strawberries yet to eat. Not an unfortunate task if you ask me. And so this recipe was born to effortlessly dispatch 4 cups of those little red sweet beauties.

This week also happens to mark my birthday which is cause for an additional post highlighting a sweet birthday treat. So happy birthday to me [thanks mom for going through the trouble!] and spring blessings to all of you.

Strawberries are one of the first true fruits of spring [after rhubarb, which really swings in both the fruit and vegetable directions] and conveniently is a great spring tonic, aiding liver, kidneys, lungs, stomach, and spleen in the natural detoxification that occurs as the seasons change. Generally toxins build up in the liver throughout the winter and the diet demands richer, fattier foods to keep our bodies warm. Spring is the perfect time to rid the body of these toxins as we transition from heavy foods to lighter fare like spring greens, asparagus, sprouts, and fruits like strawberries. Seasonal transitions also happen to be a time of reduced immunity as the body is working overtime to eliminate excess toxins and acclimate itself to this new time of year. Strawberries boast clinically proven antiviral properties as well as potent antioxidants and anti-inflammatory agents all of which are yet more examples that the earth is prepared to give us what we need exactly when we need it.

These berries are packed with vitamins A and C [as much as oranges!], some B-complex vitamins, along with silicon, potassium, and fiber. They also help improve brain function [bring on those ACTs!], reduce macular degeneration, benefit sufferers of arthritis, and help prevent colon cancer. Amazingly enough, the extract of this fruit may be an important factor in reducing the growth of cervical and breast cancers cells.

Strawberries are a prime example of a food to always purchase organically and locally [in season] if possible. If you have had a strawberry right off the plant you know why local is important. The flavor is bar-none. Strawberries are a crop that tend to be heavily sprayed with pesticides and lack a sufficient peel to help protect these harmful chemicals from entering the edible, fleshy part of the fruit. Instead, the applied pesticides and any hazardous material in the ground go right into the berry and directly into your body. It is best to purchase all food organically if possible [peel or no peel pesticides still get in], but this one should definitely top your list.

For the Crust:

1 c. hazelnuts
1 c. walnuts
1/2 c. millet flour
1/2 tsp. sea salt
1/3 c. honey or maple syrup
1/4 c. grapeseed oil

Lightly grease a 8 x 8 glass baking dish and set aside.

Grind nuts to a fine meal, one cup at a time, in a food processor or powerful blender. Pour into a glass mixing bowl and add remaining ingredients. Mix well [your may find it easier to use your hands] until a "dough" is formed. Add more oil if necessary.

Press crust mix into prepared baking dish. Preheat oven to 350 degrees. Bake crust until lightly browned, about 25 - 30 minutes. Remove from oven and cool.

For the Filling:

2 c. water
4 c. strawberries, frozen or fresh
1/4 c. honey or maple syrup
3 tsp. agar powder

Combine all ingredients in a medium size saucepan. Bring to boil, stirring occasionally. Reduce to a simmer, stirring frequently, and cook until strawberries are very soft and begin to pull apart [7 - 10 minutes].

Pour strawberry mixture over prepared crust. Allow to cool 15 - 20 minutes and then place in refrigerator for 3 - 4 hours or until strawberry "jell-o" has become very firm.

For the Whipped Topping:

1 c. soaked cashews*
1/4 c. maple syrup or honey
1 vanilla bean, scraped [optional]
2/3 c. extra virgin, unrefined coconut oil, melted

Place soaked cashews in a high powered blender and cover with water [the water should just reach the top line of the cashews]. Add maple syrup. Cut the vanilla bean length-wise and scrape out the seeds using a small spoon or butter knife. Add scraped seeds to cashews. Blend on high for 60 seconds or until very smooth. Pour in melted coconut oil and blend for an additional 30 seconds.

Pour the cashew cream mixture into a bowl and refrigerate overnight [this will allow you to scoop a dollop on top of your strawberry slice] or pour directly over firm strawberry jell-o and refrigerate overnight [this will make a nice clean whipped topping layer]. If you pour directly on to strawberry jell-o be sure that the jell-o is very firm first.

*To soak the cashews: Place 1 cup of cashews in a jar or glass. Cover with 2 cups of water and place in refrigerator. Soak over night. Drain and rinse cashews. Use immediately.

Jann Cobb said...

I am going to try and make this.

TINA VANDERKLOK, MS, Holistic Nutrition, LEED-AP said...

Jann - you definitely need to :)


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Markets tumble after weak China data

Wall Street opened sharply lower after weak data from China heightened fears of a slowdown in the world's second-largest economy.

Hit by cheap oil, Canada's economy falls into recession 10:42am EDT

OTTAWA - The Canadian economy shrank again in the second quarter, putting the country in recession for the first time since the financial crisis, with a plunge in oil prices taking a toll as business investment fell and inventory accumulation slowed.

A man waves an LGBT equality rainbow flag at a celebration rally in West Hollywood, California, United States, June 26, 2015. REUTERS/Lucy Nicholson

Clerk defies high court over gay marriage

A Kentucky county clerk, defying a new U.S. Supreme Court decision, rejected requests for marriage licenses from three same-sex couples, deepening a legal standoff now two months old.   Full Article

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WASHINGTON - U.S. is considering sanctions against both Russian and Chinese individuals and companies for cyber attacks against commercial targets.   Full Article

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VATICAN CITY - Pope Francis will give all priests discretion to formally forgive women who have had abortions and seek absolution during the Roman Catholic Church's upcoming Holy Year.   Full Article

A bleak outlook for Japan's nuclear power

A new Reuters analysis shows the number of Japanese nuclear reactors likely to restart in the next few years has halved, hit by legal challenges and worries about meeting tougher safety standards.

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Am I gathering wood the right way? - Reverie World Studios Forums

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Old 04-03-2013, 07:34 PM
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Default Am I gathering wood the right way?

I have 5 groups of 2 Peasents split around the map cutting down trees with a horse cart by each one and I was just wondering, is this was the right way of maximizing the gaterthing rate? (which is around +23 as we speak).

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“NO Warranty ”

Written on: 01/06/2014 by billy1and2 (14 reviews written)

I have fitted many clutches over the last 30 years but I have only ever had a problem with a couple of them. I have used Luk products before and have been reasonably impressed with their products but have never had to send a product back. That was until I fitted a clutch to a Peugeot dispatch van which lasted approx 250 miles. It happens so you shrug your shoulders apologise to the customer and get a replacement. Not that simple with Luk I’m afraid. The clutch went back to them and after a… Read Full Review

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“its a radio”

Written on: 26/10/2011 by russz (13 reviews written)

our 1st ever DAB radio. after listening to several radios in the shop i preferred this one because it was the less boxy
sounding. i thought maybee when i got it home it would sound better ... but it was disappointing. the mid and top end
is very nice and clear .. but theres just no bass at all. why dont manufactures build these radios with full range speakers?

the tuner is also slow on the FM band ... but to be fair the selectivity is quite good. the sensitivity is average and i couldn't
make the sensitivity control do a lot .. even though it says it goes from 1 - 10 in the menu. DAB is about the same as others
ive heard .. although this will be the 1st DAB portable radio weve owned. 10 presets on each band is better than most .. and
i found no problems using them.i took the radio into the garden and did a scan. the radio found 77 services. it was too cold
to hang around so i came in. the reception indoors is fair to good ..

the radio on the whole is rather nice. the cabinet is smooth with no sharp edges. another popular make
i tried in the shop had rather rough edges and the speaker grill felt like a cheese grater!. i thought the Sandstrom
felt nice and solid. i quite like the layout .. even though it has a "radio gone by" look .. it looks like a radio .. and not like
something thats melted in the sun .. a bar of soap .. or was designed by children ..
or someone who has no idea what a radio should look like .. as a lot do .. and the buttons do what they say ..
not many hidden menus.

the best for last .. and its the dial. its nice and clear and when on mains it stays on. when u switch to battery it stays on
for quite a while then goes dim .. doesnt go completely out .. but dim enough to see. on a full charge i had it running
all day for just over seven hours. not bad for 2600mah c cells. good enough for in the garden. another thing is the
dial stays on when plugged into the mains .. but theres no lamp switch. another waste of energy .. and burning out that lamp.
in a bedroom at night it could be quite annoying! other than that the dial is easy to see .. compared to some of our older radios.
i have some laptop speakers with a sub and fed the radio through that via the headphone socket. i have to say the bass
still tends to be light ... but theres an improvement. i guess i will keep searching for a radio with some decent bass .. even
if the battery only last a few hours. what do they say ... quality not quantity !


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“its a good team ”

Written on: 09/06/2014 by 396Weeks (1 review written)

thanks Anne and all team. Wonderful service, quick and precise to reply my questions. In one word, perfect!


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“This is my first Sagem & I have had this phone for a...”

Written on: 10/06/2003 by bluemac. (1 review written)

Good Points
Small, good looks, ease of use

Bad Points
Poor quality casing/keys

General Comments
This is my first Sagem & I have had this phone for a few months now, & while it looks the part , it is seriously let down by the poor quality of the case & keys, making this phone feel like a second rate Nokia clone.

The features & ease of use are easily on par with, if not better, than many other phones in this price bracket, but the cheap feel of this phone could dissuade potential buyers.

Overall, if you can put up with the "cheapness" of the MY-X5, then it is a good phone & very easy to suss out if, like me, you can't be bothered to trawl through the manual.


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2 August 2013 by

HDTVs are contemporary television, and with standard definition almost phased out, Full HD is quite the only way to go. An HDTV not only supports but also displays true 720p and 1080p content. This must not be confused with an HD-Ready TV which has only the power to carry HD signals and then downscale them to SD video.

The HDTV resolutions seen today are generally 720p, 1080i and 1080p, where the i refers to interlaced scanning and p refers to progressive. While interlaced scanning means that the even and odd fields of pixel rows are displayed alternatively, progressive scanning means the even and odd fields are displayed simultaneously. Progressive scanning surpasses interlaced scanning in terms of picture quality and is predominantly the type of resolution used in current HDTVs. So the dilemma is really between 720p and 1080p. There is very limited amount of 1080p content to view as yet and everything is mostly 1080i or 720p, so a 1080p HDTV might only upconvert that into 1080p, and this quality is hardly better than the original form. Furthermore, a 1080p resolution is only worth shelling out for if you're going in for a large screen size of 60"; in anything smaller than this, the difference in 1080p picture quality (PQ) and 720p is not really noticeable.

Speaking of screen size, HDTVs come in sizes as small as 27" to as large as 90" and you could freeze on the display appropriate for your TV room with this simple formula - Screen size = Viewing distance/2.

Depending on the type of panel and backlighting they use, HDTVs are available in three kinds: traditional LCD, Plasma and LED LCD.

Traditional LCD TVs use Cold Cathode Fluorescent Lamps (CCFL) to backlight the display panel, and are on their way out. They're the cheapest of the lot, have the lowest PQ and have the shortest lifespan since the lamps tend to get worn out.

LED LCD TVs use Light Emitting Diodes(LED) to light up the display panel and are often the most expensive. They have much better picture quality due to higher contrast ratios, quicker response times of 2 to 5 ms and also last longer. A low response time essentially means there wonÃ¢??t be any motion blur in action packed scenes

In a Plasma TV however, the plasma itself emits light and therefore there is no backlighting technology required. They have excellent contrast ratios, and a quick speed of 600 frames per second obviating any motion blur. Plasma TVs rival LED TVs for the top spot and while the best TVs for brightly lit room are LED TVs, plasma TVs steal the show when it comes to dark room performance.

For more information on each, visit our Best LED TVs , Best Plasma TVs , or Best LCD TVs page.

Today's HDTV market is brimming with state-of-the-art offerings from audio features and sleek panels, to 3D and SmartTV; from leading brands like Panasonic, Samsung, LG and Sony.

The higher end SmartTV amenities include a Full web browser and Skype compatibility and gives you complete freedom on the internet, while lower end SmartTVs give you access to specific movie sites like Netflix to stream videos from. To learn more about 3D, we have a list of the best 3D TVs to guide your purchase.

Displayed below is our list of the best HDTVs and their ranking, defined by expert reviews. So scroll down to read reviews, check specifications and buying options.

Panasonic VIERA TC-P65ZT60 65-In 1080p 3D Smart Plasma TV

1. Panasonic VIERA TC-P ZT60

Samsung PN51F8500 51-In 1080p 3D Smart Plasma HDTV

2. Samsung PN F8500    $5,999

Panasonic TC-P50ST60 50-Inch 1080p 600Hz 3D Smart Plasma HDTV

3. Panasonic TC-P ST60

LG 60LA8600 60-In 3D 1080p 240Hz LED-LCD HDTV

4. LG LA8600

Panasonic TC-P55VT60 55-In 1080p 3D Smart Plasma HDTV

5. Panasonic TC-P VT60    $6,000

Buying tips to find the Best Full HD TV of 2015

This list of the best full hd tv is also applicable for the following topics:

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Highway Patrol Reports for 4-9

April 9, 2014
The Review

Leonard C. Sedon, 62, Louisville, and Zachary T. McMullen, 18, Beloit, were northbound on Westville Lake Road in Knox Township at 5:15 p.m. Friday and McMullen struck Sedon from behind. McMullen was cited for assured clear distance.

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John R Levine johnl at taugh.com
Tue Mar 25 21:47:51 PDT 2014

> So you seem to be saying that we should move from long-standing model which
> can provide the full content in one click, to a model that always requires
> two clicks.  So while the rest of the web advises reducing the number of
> click, we'll be increasing.

I don't think it's a dreadful idea to put the HTML version into the
landing page, although for large documents, the people on slow connections
will be sad.

> A landing page is a barrier, not a benefit.

You appear to be assuming that everyone will want the document in the form
that's on the landing page.  If that were so, why are we screwing around
with multiple document formats?

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World Distance Chart No. 1
July 1934 Radio News and The Short-Wave

July 1934 Radio News & Short-Wave

July 1934 Radio News and the Short-Wave Cover - RF Cafe[Table of Contents]  These articles are scanned and OCRed from old editions of the Radio & Television News magazine. Here is a list of the Radio & Television News articles I have already posted. All copyrights are hereby acknowledged.
Before the Internet, cellphone apps, and personal computers, many calculations began with a lookup table, chart, or nomograph. In the case of long distance radio operators seeking distance and direction information for pointing antennas, it took a map like this one published by Radio News & Short-Wave magazine in 1934. Distance are all relative to New York (NYers have always considered themselves the center of the universe Groucho Marx Smiley - RF Cafe), so operators in other locales need to compensate. Here is one example of many online great circle calculators that allow you to enter two sets of longitude and latitude. Unfortunately, I do not have the next month's edition for be able to post the second chart mentioned.

See all available vintage Radio News articles.

World Distance Chart No. 1

To use the map first find the distance in inches between New York and the desired point, multiply this by the miles per inch shown on the scale on the chart and the answer will be a close approximation to the air line distance between the two points. This chart is reproduced from the March, 1933, issue of RADIO NEWS for the benefit of our new short-wave readers. Chart Number Two will be published next month

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World Distance Chart No. 1

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Tuesday, September 01, 2015

Snow Leopards Found In Afghanistan

A snow leopards in the mountains of Central AsiaA snow leopards in the mountains of Central Asia
A snow leopards in the mountains of Central Asia
A snow leopards in the mountains of Central Asia
Endangered snow leopards have been spotted in one of the more peaceful areas of Afghanistan.

The World Conservation Society said the usually solitary animals have been tracked across the Wakhan Corridor, in the northeast of the country where militant activity is low.

Listed as globally threatened, only some 4,500 to 7,500 snow leopards exist, scattered across a dozen nations in the high mountain ranges of Central Asia.

The cats are poached for their pelts and killed by shepherds guarding their flocks from the potential predators.

"This is a wonderful discovery. It shows that there is real  hope for snow leopards in Afghanistan. Now our goal is to  ensure that these magnificent animals have a secure future as  part of Afghanistan's natural heritage," Peter Zahler, the  World Conservation Society's deputy Asia director, said in a  statement.

The World Conservation Society has been working in the Wakhan Corridor since 2006 to preserve wildlife like the Marco Polo sheep and the ibex.

In tandem with the U.S. government's aid arm, USAID, the World Conservation Society says it works with all schools in Wakham to teach conservation.  It says it has also trained 59 rangers to monitor wildlife.  The New York-based group has also started a scheme to compensate shepherds for livestock lost to predators.

compiled from agency reports
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