ATM and bounced check fees to increase

first_img“Banks often move like a school of fish on ATM fees,” he said. “If history is a guide, others will follow Bank of America soon.” McBride pointed out, however, that consumers don’t have to pay surcharges if they’re careful with ATM withdrawals. “You can avoid them by using your own bank,” he said, adding that most financial institutions post the locations of their ATMs on their Web sites. Another way to avoid surcharges is to use a debit card when making a purchase and ask for cash back at the point of sale. “That’s tantamount to a free ATM withdrawal,” McBride said. The study, which is an annual look at interest rates and fees at some 250 banking institutions nationwide, also found that interest-paying checking accounts are often not as good a deal for consumers as non-interest accounts. That’s because “balance thresholds for interest checking accounts are exorbitant and the yield you get in return is paltry,” McBride said. The study found that consumers needed to have nearly $990 on deposit in an account to qualify for interest payments averaging just 0.32 percent. The opening balance requirement is more than double the $430 found just 18 months ago, it said. Meanwhile, the interest-paying accounts socked consumers with monthly service fees of $11.72 if they didn’t maintain balances of at least $3,316.60. Non-interest accounts generally required deposits averaging just $83 to open, the study said. The average monthly service fee was $2.26 – and it could be avoided by maintaining a balance of just $155.49, the study found. McBride said consumers would get much better returns by putting their money in high-yielding money market or online savings accounts than in interest-paying checking accounts. “Keeping $3,316.60 in an interest-bearing account at a yield of 0.32 percent earns just $10.61 in interest for the whole year,” he pointed out. “The same $3,316.60 deposited into a high-yielding money market or savings account at 5 percent would earn more than $160 in interest over the course of a year.”160Want local news?Sign up for the Localist and stay informed Something went wrong. Please try again.subscribeCongratulations! You’re all set! By Eileen Alt Powell THE ASSOCIATED PRESS Getting money from an automated teller machine can be costly, especially if the ATM isn’t owned by the bank where you have your checking or savings account. A survey released Tuesday by Bankrate .com, an online financial information service based in North Palm Beach, Fla., found that the average surcharge for use of a “foreign” ATM has risen to a record $1.78 from the previous high of $1.64 a year ago. The most common fee has jumped to $2 from $1.50, and at least one bank is charging $3 per transaction. In addition, a consumer’s own bank is likely to tack on an additional $1.25 when a consumers uses another bank’s ATM. At the prevailing rates, consumers will pay nearly $4.4 billion in ATM fees this year, estimated. The study also found that the average bounced check fee has hit a new high of $28.23, up from $27.40 last fall. Greg McBride, senior financial analyst with, said he won’t be surprised to see ATM surcharges increase nationwide following the recent move by Bank of America Corp. of Charlotte, N.C., to raise its fee to $3. last_img read more

Man United open transfer talks as Arsenal lurk, talkSPORT told

first_imgManchester United have opened talks with Southampton as they discuss a transfer fee for Morgan Schneiderlin, talkSPORT have been told.The Frenchman is a wanted man this summer with Arsenal and Tottenham also keen on landing the talented midfielder.It appears, though, the Red Devils could beat their rivals to his signature as they’re already haggling over Schneiderlin’s fee with the Saints.talkSPORT’s south coast reporter told Kick Off: “It’s been an open secret for a while now that Morgan Schneiderlin is looking to leave and go onto the next level by playing in the Champions League.“Manchester United have opened talks with Southampton over a transfer fee, although I don’t think they’ve agreed a price yet. United are looking in the region of £20million, Southampton want £24million, so there is a bit of haggling to be done.“Schneiderlin is keen on a move to Old Trafford. Arsenal are still lurking in the background but I’m not sure Arsene Wenger is going to stump up the cash that Southampton want.”last_img read more

Daniel Sturridge returns to Liverpool training but ‘no timeframe’ on full recovery, claims Rodgers

first_img1 Liverpool have been boosted by the return to training of striker Daniel Sturridge, but manager Brendan Rodgers insists the club will not rush his recovery.The England striker has spent the last four months in the United States recovering from a hip operation, having gone under the knife in May to address a string of injuries which restricted him to just seven starts last season.The club aim to have him back in the squad by early September, but Rodgers would not put a specific timeframe on the injury-plagued frontman’s return.“There is no timeline on Daniel,” said the Reds boss.“He has obviously been away working in America and has come back and now it is just about him working hard to get back in to somewhere near the level of the group.“He looks well and really excited to be back among his team-mates, so we will just have to take that week on week.” Liverpool striker Daniel Sturridge last_img


first_imgDonegal Deputy Charlie McConalogue has accused the Minister for Health James Reilly of breaking yet another promise to patients by failing to extend the BreastCheck programme as promised.Minister Reilly has confirmed to Fianna Fáil through a Parliamentary Question that he will not extend the BreastCheck Programme to women aged 65 – 69 this year.Deputy McConalogue has said it’s the latest in a long list of broken promises to patients. “This can be added to the ever-growing list of broken promises from the Health Minister James Reilly. He gave a clear commitment in the last general election campaign that he would extend BreastCheck beyond the age of 64. That was three years ago and the Minister has done absolutely nothing about it,” the Donegal Deputy said.“The BreastCheck Programme is crucial in the detection and treatment of breast cancer. At the moment, it provides free mammograms to all women age 50 – 64. This has vastly improved breast cancer survival rates due to a combined approach of screening, symptomatic detection and improved treatment.“Breast cancer five year survival is now estimated at 81.8% for people diagnosed between 2003 and 2007. That’s up from 76.8% for people diagnosed between 1992 and 1998. Uptake of the programme has increased in the 50 – 64 year age group from 128,800 in 2012 to 144,000 in 2013.“In view of the success of the programme for those between age 50 and 64, it is now vital that the Minister keeps his promise to women and extends the programme to cover those aged 65 – 69 in line with his commitment before the election. “Patients in Donegal and across the North West region have seen community health services slashed right, left and centre over the past three years. They were promised by Fine Gael that BreastCheck would be extended. I am now calling on our local Fine Gael Deputies to ensure that their colleague Minister Reilly keeps that promise.” TD’S ANGER AT BREACH OF BREASTCHECK PROMISE was last modified: March 11th, 2014 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window) Tags:Breast CheckCharlie McConaloguelast_img read more


first_imgTHE number of people killed on our roads has increased, statistics released today show A Provisional Review of Road Crashes for 2014, published by the Road Safety Authority  indicates that for the second consecutive year, deaths resulting from road traffic collisions have increased. A total of 196 people have lost their lives in 2014, compared to 190 in 2013, a 3% rise. Eleven people died in Donegal. A 12th person who died did so more than a month after the crash in Letterkenny and wasn’t counted in the official statistics.Nationally it represents a 21% increase when compared to the 162 road deaths that occurred in 2012, the safest year on Irish roads. Ms. Liz O’Donnell, Chairperson, RSA, said, “196 precious lives ended on our roads in 2014. That’s 6 more than last year. These people are gone forever. For their loved ones they are not consigned to year end statistics.”Appealing to all road users Ms. O’Donnell added, “There are small changes we all can make which are guaranteed to prevent collisions. Guaranteed to reduce consequences. And to reduce the number of tragedies on our roads, from the very moment we begin to make those changes. So I appeal to all road users in 2015. Even if you change one aspect of your behaviour, be it speeding, not using a mobile phone, always wearing a seatbelt, or just being more careful and courteous to others, you can help make the roads safer for all of us. Small things can make a huge difference.”The report shows that there has been a worrying 24% increase in the number of vulnerable road users killed, compared to 2013. Four out of ten of those who died in 2014 were either a pedestrian, a cyclist or a motorcyclist. Of most significance is the increase in pedestrian fatalities (up from 31 to 42) and an increase in cyclist fatalities (up from 5 to 12). Though still high, there has been a decline in the number of motorcycle user deaths, down from 27 in 2013 to 24 in 2014.Analysis of vulnerable road user casualties shows that there is a higher rate of fatalities among younger and older people. Those aged 60+ account for 40% of all pedestrian deaths. There were eight pedestrian deaths among those aged up to 15. The greatest change observed in 2014 is a 17% reduction in driver fatalities, down from 95 to 79. However, this decline is off-set by a 22% increase in passenger deaths, up from 32 to 39.Provisional figures show that, where known, 16% of drivers were not wearing a seatbelt. A shocking 26% of passengers killed were not wearing a seatbelt.There was a doubling in the number of fatalities among children. 16 children aged up to 15 years lost their lives in 2014, eight were pedestrians and eight were passengers.While the Southern region accounted for the largest proportion of road deaths, Dublin recorded the biggest increase in fatalities (47%) in 2014.Minister for Transport, Tourism and Sport, Mr Paschal Donohoe, commenting on the end of year report said “I am very concerned that so many lives have been lost on the roads in 2014, in particular the high number of young and older people, who are the most vulnerable members of our community. Together we can reverse this trend and ensure that 2015 becomes a safer time to use the road. For my part I am determined to work with all the agencies signed up to the Government’s Road Safety Strategy to see if there are measures that can be fast-tracked to bring this about. However, while Government and state bodies need to redouble their efforts, each individual needs to make a firmer commitment to practice safer road habits in the New Year. I would like to make a particular appeal and ask drivers to be more careful and mindful of vulnerable road users, in turn I would ask these vulnerable road users to take greater steps to ensure they can be seen when using the road, and appreciate that they too need to follow the rules of the road.” RSA Chief Executive, Moyagh Murdock, said that “the priority areas for action in 2015, for the RSA will be to focus communications on vulnerable road user safety and distracted driving. This will include getting back to basics with messages such as how to cross the road safely and wearing high visibility material to be seen on the road. Drivers too need to pay greater attention to their speed particularly in urban areas, as this pre-crash factor has the biggest impact on vulnerable road users. Currently 82% of drivers are exceeding the 50km/h speed limit in urban national areas. Distracted driving will also be a priority for the RSA in 2015 given the fact that a recent RSA observational study indicates the number of people talking or texting on the phone while driving is getting worse. A shocking 1 in 12 drivers are using their phone while driving.”Commenting on the end of year road casualty statistics Assistant Garda Commissioner, John Twomey said, “2014 was a tragic year for the families and friends of the 196 people who lost their lives on our roads. An Garda Síochána is fully committed to playing its part in improving road safety, ensuring that the roads in this country are a safe and secure place for all our road users. In 2014 An Garda Síochána increased detections for the key “lifesaver” offences – speeding, non-wearing of seatbelts and using a mobile phone while driving. I can also assure road users that An Garda Síochána will be putting in place a comprehensive roads policing plan in 2015. This plan will target the main causes of road crashes, and place a particular focus on the growing use of mobile phones while driving.”ROAD DEATHS INCREASED AGAIN IN 2014 was last modified: January 1st, 2015 by John2Share this:Click to share on Facebook (Opens in new window)Click to share on Twitter (Opens in new window)Click to share on LinkedIn (Opens in new window)Click to share on Reddit (Opens in new window)Click to share on Pocket (Opens in new window)Click to share on Telegram (Opens in new window)Click to share on WhatsApp (Opens in new window)Click to share on Skype (Opens in new window)Click to print (Opens in new window)Tags:donegalGardaroad deathsRSAlast_img read more

Willie McCovey: How we mourned S.F. Giants legend on social media

first_imgAround the Bay Area and beyond, social media users paused to pay their respects to San Francisco Giants legend and major-league baseball Hall of Famer Willie McCovey, who died Wednesday at age 80.In a tweet from the Giants’ Twitter account, the team shared the sad news and put out the #Forever44 hashtag. Franchise fans from the famous to the not-so-famous followed along with more than a few memories of the man known as “Stretch.”It is with great sadness that we announce that San Francisco …last_img

Lady Loggers wrestling off to strong start

first_imgThe Eureka girl’s wresting team won, by a large margin, its first meet of the season last weekend at the Battle of the Border Tournament in Ashland, Or. Four Loggers nabbed first-place medals in the tournament and in total 13 of Eureka’s wrestlers placed inside the top three in their respective weight classes. This Saturday, the Loggers will look to take home another box of medals when they travel to Springfield, Or., for their second meet of the season.“To be honest, we were very strong and …last_img

2011 Predictions: Audrey Watters

first_imgEditor’s note: Every December the ReadWriteWeb team looks into the murky depths of the coming year and tries to predict the future. How did we do last year? Well, Facebook didn’t go public, Google Wave didn’t make a comeback, and Spotify didn’t make it to the U.S. But our forecasts for Google Chrome, cloud computing, Facebook and something we called the “iTablet” were spot on. What’s in store for 2011? All this week we’ll be posting our predictions. Let us know your prognostications in the comments.1: There will be major opportunities and innovations around big data – storage, processing, analytics. “Data-driven” will be the new buzzword. “Data scientist” will be the new hot job. So in the spirit of the film The Graduate, I want to say one word to you. Just one word. “Statistics.”2: Governments and corporations will continue their crackdown on “inappropriate” and “illegal” content online, using WikiLeaks and file sharing as the excuse. People will debate what’s protected under the First Amendment versus Terms of Service agreements.ReadWriteWeb’s 2011 Predictions:2011 Staff Predictions2011 Predictions: Klint Finley2011 Predictions: Curt Hopkins2011 Predictions: Sarah Perez2011 Predictions: Mike Melanson3: Peer-to-peer services will expand, in part as a response to #2. P2P technologies and networks will improve, and new services will spring up that privilege trusted relationships.4: “Not dead yet,” squeaks the Web. Thank you, HTML5.5: Investor dollars will flow into the education technology sector, and there will be lots of acquisition activity in ed-tech as many large media, publishing, and tech companies stake their claim in the space. But there will also be several ed-tech scandals (test-score related) and failures (yes, Kno).6: Openly-licensed content – open education resources, open source, open data – will thrive, as more people question outmoded intellectual property laws. Nonetheless, there’ll still be patent and copyright infringement lawsuits aplenty. 7: Mobile payments will explode, and our phones will increasingly become our wallets. The growth will not lie solely with apps and in-app purchases on smartphones, but will come from carrier billing arrangements on all types of mobile phones.8: Tablets will be the hot device of 2011 – a lot of new buyers, a lot of new manufacturers. Most of the latter will suck, and the iPad will continue to dominate sales (and app sales) until late in the year when a decent Android tablet is released. Despite over a year to prepare, it will fail to have a better name than “iPad.”9: Maker Fairs will flourish. Hobbyists will build mind-blowingly cool projects. And inspired by the likes of Kinect, Scratch, and LegoMindstorms, legions of kids will be inspired to become builders and hackers.10: My mom will join Facebook. audrey watters Why Tech Companies Need Simpler Terms of Servic… Top Reasons to Go With Managed WordPress Hosting 8 Best WordPress Hosting Solutions on the Marketcenter_img Tags:#predictions#web A Web Developer’s New Best Friend is the AI Wai… Related Posts last_img read more