Submitted by: Larry Donaldson

An NSF fee is simply a fee that you pay your bank each time you overdraw your account with a debit card, credit card or check. NSF fees these days at major banks run $30 to $35 per instance. And, the way most overdraft protection programs are set up, you can get dinged with such a fee multiple times in a single day – resulting in $100 or more in charges.

The best thing to do is to avoid putting yourself into a situation whereby you could get charged this type of fee. After all, at least in theory, it should be pretty simple: just don’t make any charges or write any checks when the balance in your checking account won’t cover it.

However, as with most things in life, there is a sizable gap between theory and reality. In practice, on a day-to-day basis, there are a number of things that make it a challenge to always keep proper tabs on one’s checking account balance. For example, the way that many online bank statements display your balance information, it is not always clear which checks or charges have been processed and which have not. Meaning that if you really want to figure out your balance, you need to sit there with a calculator just to do so each and every morning before going shopping.

And don’t depend on your debit card getting rejected at the register as a failsafe way of ensuring you do not overdraw your account. That is because, with most overdraft protection programs, they are set up to actually accept a debit card charge via a merchant even when your balance does not cover the charge! This will result in an automatic NSF fee.

If you have recently had this type of fee assessed to your account, you will want to learn how to write an effective NSF bank fee apology letter in hopes of getting a refund. Here are 5 steps to requesting a refund via letter:

1. Get your facts straight:

Any time you are presenting a facts-based case for something, it is a good idea to have the facts straight ahead of time. Go through your bank statement for the day of the NSF transaction and write down details such as merchant name, data of transaction, the before-and-after bank balance, and the amount of the transaction.

2. Get a story together about what happened:

Of course, you will need to remain truthful, but put together into a story or narrative form just how this happened. You want to make sure it does not sound like an excuse, but rather just an explanation.

3. Get into a calm state of mind:

The way you feel when writing a letter will come across in your choice of words and syntax. Be sure to put yourself into a relaxed, non-confrontational state of mind before putting pen to paper.

4. Write a well-punctuated, grammatically-correct letter:

Of course, presentation in these matters is important. Make sure that your letter is well-written, and be sure to proofread for grammar and punctuation.

5. Send it out and await the result:

Make sure that at the closing of your letter you actually ask for a refund – do not just apologize and leave it at that. Then, send out your letter and await a response.

If you follow these 5 steps, you are likely to get a refund for your NSF fee if it is the only one you’ve had within the last year.

Important: whether or not you are able to successfully obtain a refund, you should consider changing banks to one that does not charge overdraft fees – even when you overdraw your account. These banks are out there and they are looking for customers like you – those who are fed up with paying excessive overdraft fees.

About the Author: Find a list of no-overdraft-fee banks in your area at:

No Overdraft Fee Banks

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=599850&ca=Finances }



Saturday, February 2, 2008

NASA has held a memorial ceremony to mark the fifth anniversary of the Space Shuttle Columbia disaster. All seven astronauts were killed when their spacecraft broke up on re-entry over Texas on February 1, 2003, 16 minutes prior to scheduled landing time at Florida. Columbia had been damaged by a chunk of loose foam during takeoff 16 days earlier.

NASA officials, astronauts, schoolchildren and family members attended the ceremony, which was held just miles from Columbia’s intended landing site. Approximately 200 people attended the event, held at the Kennedy Space Center‘s Space Mirror Memorial to all 24 astronauts killed in space disasters. Each was presented with a rose, which was placed in front of a granite memorial bearing the names of the 24.

Evelyn Husband-Thompson, widow of commander Rick, who has remarried just three weeks ago, said “This morning, I couldn’t stop thinking about Rick and Willie and Kalpana and Dave and Mike and Laurel and Ilan. All of our families went through so much that day. We so miss them, and we will never forget them.”

44 teenagers from Israel were amongst those present, there in respect to astronaut Ilan Ramon. Some came from the same school Ramon had attended. 15-year-old Roman Rashchupkin said “He’s Israeli, so it’s important. He learned in our school.”

G. Madhavan Nair represented India at the memorial, remembering Indian astronaut Kalpana Chawla. Nair is chairman of the Indian Space Research Organisation.

Former shuttle commander Bill Readdy commented that, despite a large number of memorials, including one on Mars, “… much more importantly than any physical monument, they’re memorialized right here in our hearts,” Going on to name them individually, then saying “We’ll always miss your easy laughter and your smiling faces. God willing, five years from now, they’ll have even more to be proud of us about as we take even longer strides … back to the moon and onward toward Mars. May God bless the crew of Columbia.”

NASA boss Michael Griffin was amongst several people who commented on the dangerous nature of spaceflight. He proceeded to read a letter from United States President George W. Bush praising the astronauts, which was then presented to Husband-Thompson. “Space exploration is a dream deeply rooted in humanity, and the seven brave astronauts of Columbia sacrificed their lives so the rest of mankind could realize that dream,” said Bush’s letter. “They assumed great risk so they could understand what lies beyond the heavens. We are grateful for their service and they will be always be cherished.”

Griffin also noted the importance of learning from mistakes, adding “Americans don’t quit and we won’t quit. We’ll never quit,” and that “not quitting has high costs.”

It wasn’t the only such anniversary around this time. The 41st anniversary of the Apollo 1 fire was on Sunday, and Monday saw the 22nd anniversary of the Challenger disaster.



Tuesday, November 27, 2007

Monday night more than sixty French police officers have been left injured after a second night of running battles with youths in Paris suburb, Villiers-le-Bel. The rioting began Sunday night after two teenagers on a motorbike died after a collision with a police patrol vehicle.

36 vehicles were set ablaze, including a garbage truck and a police vehicle. A witness told Reuters that police were pelted with stones, petrol bombs and large firecrackers. Police responded with tear gas, rubber bullets and paint guns. BBC reports that two schools, a library and shops were badly damaged as violence spread to five towns in the Val-d’Oise department.

President Nicolas Sarkozy, who is on a state visit to China, urged calm. “I call on everyone to calm down and let the justice system decide who was responsible,” he said in Beijing.

In a final tally of Sunday’s violence, officials said 28 cars and five buildings were set ablaze, including a police station. There were 26 police and fire officers injured. Nine people were arrested on Sunday.

In 2005, France saw more than two weeks of civil unrest in violence that was also triggered by the death of two teenagers.



Submitted by: Steve Tea

Losing weight has never been more important to the general masses compared to this generation. It has become an important part in their daily lives. They go through their daily lives with this thought in mind and take measures towards that direction. Furthermore, there are also others which are very concerned with regards to their health. Over the years, individuals have been very particular with regards to the side effects that medically and chemically prepared products would cause to their body. As a result, they turn to natural products.

One measure they look into is the use of tea, and its variations. One of those variations is the lotus leaf tea.

Whats good about lotus leaf tea and teas in general, is its natural nature. This adds to its attraction. TO most it is the absence of possible side effects. Others think that it is losing weight while enjoying a pleasing beverage, which has been enjoyed so many before them. It is like hitting two birds with one.

In itself, the lotus has been particularly known for its flower. It is stunning, vibrant, and magnificent to the eyes. However, the leaf has its uses as well, and is particularly medically.

As a tea, the best loose leaf tea can help in the reduction of ones weight. Again, this is a major concern among individuals as of late. Such concern is caused by others paying more attention to the physique of the person rather than the personality. One cannot accuse them of being superficial though, since it is what you find attractive first. It is what you see first.

Again, lotus leaf tea can help in shedding some weight from your body. This particular tea has been sued for this purpose in China even during traditional times. This specifically aims to individuals who get fat by just eating greasy and fatty foods.

This variation of the tea promotes urination and increases ones metabolism which results to regular bowel movement. Eliminating these from the body has been known to be the key in losing some weight by eliminating water and waste more regularly.

Aside from aiding in losing weight, it can also help relieve anxiety and stress. The tea has a particular component that invigorates the blood, which is usually lacking in stressed out people. It helps it circulate better throughout the body, making you feel better.

According to Chinese tradition, the best cup of loose leaf herbal tea is the ones which is poured first out from the pot. This contains most of its herbal benefits. It is an important matter to be taken note of considering that the potency of the concoction decreases sharply overtime. That is why it may not be wise to store them in loose leaf tea tins.

With the modern generation going to a more natural and traditional method of treatment, it is smart to put this into consideration. No one knows what hidden benefits these organic products can do to our body – good or bad – you should always be on the lookout for anything that is new.

About the Author: Steve Schwartz is known by many authoritative figures in the tea industry as a Master Tea Blender. He has blended award winning teas under our Art of Tea brand. Just visit

artoftea.com

to begin browsing and buy best loose leaf tea.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=1875424&ca=Food+and+Drinks }



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How to Cum More – 6 Proven Methods to Overcome Low Sperm Count

by

JimJohnson

It is widely known that the most common cause of men’s inability to reproduce is low sperm count. This situation strikes six out of one hundred male ranging from teenagers to the middle age. More often than not, low sperm count can be linked to simple reasons, such as draining exercises, intense direct contact with the heat, insomnia, depression, or even the habit of using underwear that’s too tight. But occasionally a serious health problem is the one to condemn.

To those questioning how to cum more, allow me to suggest you:

1. Lessen your ejaculation frequency – Having intercourse or masturbating once for every 3 days is the way to go. Think about it: the more times you climax, the less dense it will become.

2. Change your lifestyle – Do exercises regularly and consume only healthy foods. Lose some weight so that your estrogen and testosterone will always be in great balance.

3. Dump your bad addictions like smoking and alcohol – smoking contributes a lot to sperm damage and genetic abnormalities in children. Alcohol, despite having the same effect as smoking, has something to do with your liver function, resulting in an extreme increase in your estrogen.

4. Avoid heat, especially in your testicle area – Don’t go to places like hot baths or saunas, or even sitting on a hot seat (literally). Wear loose boxer pants, instead of skintight underwear.

5. Minimize your stress levels – Don’t take home what you should do at the office, lose your tension by watching funny movies, learn yoga and meditation if possible. Don’t bother about something like “how to cum more”.

6. If lifestyle modifications didn’t help, you can always try supplements – When you do it, take the natural or herbal route. Herbal supplements typically score as good as (sometimes better than) the prescription ones, but keeps the side effect aside.

Find out our specific recommendation on

how to cum more

in our regularly-updated blog. Join

Lengthen My Penis

newsletter and claim your copy of Jim Johnson’s limited free report

“The Ultimate Sex Boost”.

Article on the same topic by Jim Johnson: Average Erection – Cracking the Penis EnlargemArticle Source: How to Cum More – 6 Proven Methods to Overcome Low Sperm Count

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Wednesday, May 31, 2017

In what Afghan president Ashraf Ghani called “a crime against humanity,” earlier this morning, local time, a septic tanker truck filled with explosives detonated not far from the German embassy in Kabul’s Wazir Akbar Khan area, during the city’s morning commute. According to the country’s health ministry, at least 83 bodies have been found and over 450 have been wounded. The ministry’s spokesperson, Ismail Kawasi, said most of the victims were civilians, including children.

It was a car bomb near the German embassy, but there are several other important compounds and offices near there too. It is hard to say what the exact target is

“The attack demonstrates a complete disregard for civilians and reveals the barbaric nature of the enemy faced by the Afghan people,” Ghani said in an official statement. “The terrorists, even in the holy month of Ramadan, the month of goodness, blessing and prayer, are not stopping the killing of our innocent people,” he said. General John W. Nicholson Jr., commander of American and North Atlantic Treaty Organization forces in Afghanistan congratulated city security forces for preventing the truck from coming any closer to important government buildings and embassies.

This attack was unusual, though not unheard of, because of the sheer volume of the bomb involved. According to Kabul’s police chief, General Hassan Shah Frogh, “The blast was so huge that it dug a big crater as deep as four meters” (13 feet) and it damaged buildings as far as one mile (1.2 km) away.

Though an initial report by Interior Ministry spokesman Najib Danish claimed the site of the detonation as near one of the gates to the Afghan Presidential Palace, it was actually closer to the German embassy, which sustained considerable damage, according to NBC. Germany currently has more than 950 soldiers in Afghanistan as part of NATO’s Resolute Support Mission and helped the Afghan security personnel in their training. “It was a car bomb near the German embassy, but there are several other important compounds and offices near there too. It is hard to say what the exact target is,” said police spokesperson Basir Mujahid.

The Taliban has denied any association with this attack. Western countries have been fighting the Taliban in Afghanistan for about 15 years, including the U.S., Germany, and Britain, but many of these countries withdrew much of their forces before 2015. Since then, the Taliban has come to control about 40% of Afghanistan, per U.S. estimates.



Wednesday, March 12, 2008

New York Governor Eliot Spitzer has announced that he has resigned, effective Monday. Spitzer was recently discovered to have been a client of a prostitution ring on numerous occasions.

In a press conference, Governor Spitzer said: “I am deeply sorry that I did not live up to what was expected of me. To every New Yorker, and to all those who believed in what I tried to stand for, I sincerely apologize. I will try once again outside of politics to serve the common good.”

Public opinion polls in recent days have shown that 68% of New Yorkers wanted Spitzer to resign and many politicians had also called for his resignation.

As a result Spitzer will be succeeded by Lieutenant Governor David Paterson, who will become New York’s first African American governor. It is believed he will be the first legally blind governor in the United States.

Spitzer remains a superdelegate for Senator Hillary Clinton‘s presidential campaign until he officially steps down as governor.



Friday, May 16, 2008

The Supreme Court of California in a 4–3 decision has struck down California’s ban on gay marriage. The decision struck down two laws, one from 1977 and another more recent one due to a referendum in 2000. Prior to this case, California allowed extensive benefits to gay couples that were in practice close to those given to heterosexual couples.

The case in question consisted of a consolidation of six cases being appealed. Parties included a variety of gay couples and the city of San Francisco which wanted to recognize gay couples.

The opinion, written by Chief Justice Ronald M. George, stated that that there was no legitimate basis to discriminate based on sexual preference. Moreover, the court found that the laws were unconstitutional given the protections of the California Constitution. The opinion was also signed by Justices, Kathryn Werdegar, and Carlos Moreno and Justice Joyce Kennard who also wrote an additional concurrence. Justice Marvin Baxter wrote dissent also signed by Justice Ming Chin. Finally, Justice Carol Corrigan wrote a dissent saying that although she personally favored gay marriage the people of California clearly had not and the popular will should not be overruled by the court.

Supporters of gay marriage said the ruling was a milestone. “This decision will give Americans the lived experience that ending exclusion from marriage helps families and harms no one,” said Evan Wolfson, executive director of Freedom to Marry, who noted that same-sex marriages are now legal in South Africa, Canada, Spain, Belgium and the Netherlands.

James Dobson, head of the conservative Christian organization Focus on the Family called the ruling an outrage and called on the people of California to pass a constitutional amendment barring gay marriage saying that “Only then can they protect themselves from this latest example of judicial tyranny.”

This decision will give Americans the lived experience that ending exclusion from marriage helps families and harms no one.

Edward Zelinsky of Yeshiva University, whose work was cited in the brief of California’s attorney general supporting the law, characterized the court’s opinion as “problematic in important respects.” He criticized the court for failing to explain adequately why its logic does not apply to other non-traditional forms of marriage such as polygamy.

Since the decision is based upon the California Constitution, it cannot be appealed to the Supreme Court of the United States.

Currently in the United States different states have taken different positions. Although a variety of states allow civil unions, at present only Massachusetts has legalized gay marriage. State courts have disagreed as to whether gay couples should be treated like heterosexual couples.



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Have a Chocolate Fountain at the Wedding Dinner or social gathering

by

Steijn Fitch

However, understand that a very cheap price is not necessarily a great idea. Let’s say the water fall is inferior and fails at your marriage ceremony? It will be a catastrophe for the celebration and will also cause a lot of thrown away chocolate!

Employ price as one factor, but make sure that you furthermore look into other factors such as the connection with the provider. Lots of work adopts providing an expert service, so it will be best to choose a provider which specialises within chocolate water fountains rather than individual who just adds as an additional extra.

Choose the best Size

Chocolate fountains are available in all size and shapes. If you are creating a very large celebration then a single small water fountain may end up being a aggravation to the visitors as they will not likely all be capable to enjoy it.

If you are having a huge party with many different guests, search for a company offering equipment employ that can supply you with a large fountain, or many fountains. By simply going further you can make sure that everyone will be happy at your event.

Try to find Extras

A chocolate fountain on its own is excellent, but if it arrives with added extras that is better still. For example, you may well be able to find a service provider who also provides fruit possession along with the chocolate bars fountain employ. These look wonderful and very unique, and the friends can take the fruit from your trees and dip the actual pieces into the chocolate.

To book or Buy?

If you are considering chocolates fountain employ, you may also take into consideration buying your own personal fountain. Nonetheless, this may not be a real great idea. When you hire a dark chocolate fountain, you’ll be able to benefit from someone inatallation, keeping the area clean and taking it absent at the end of the particular party. A good unattended as well as overflowing water fall of chocolate can be a unpleasant business, also it requires taking care of.

If you buy your personal you will have to set up all of this, that will cause more stress and worry in your wedding day. A specialist supplier will be able to arrange everything for you, which includes delivery, guidance, cleaning as well as removal, making it much easier to suit your needs on your big day.

And you have must yourself, do you really want to possess your own chocolate fountain? All things considered, it’s not something you will be utilizing every day.

Bottom line

If you want to work with a chocolate water fountain for your wedding party, it is certain to please all of the guests and make your wedding day a memorable one particular. Just make sure that you take a little time selecting the perfect water feature for your event to avoid frustration.

David Metcalf as well as the team at the rear of The Dark chocolate Fountain People thrive on creating your special celebration something which your friends and family will never neglect. Whether it’s beautiful chocolate water fall or berries palm tree hire or even the hilarious photobooth employ to get those loved memories, whatever the occasion we are going to make it unforgettable.

Geert has been a writer and editor both for print and on the internet publications more than 10 years. He also helped some NGOs, research institutions and science-oriented magazines.

He currently works being a freelance online writer on a wide range of topics but his focus is principally on online marketing.Homar N Murillo has long been a writer and editor for the print and internet based publications for longer than a decade. He also worked for a few NGOs, research institutions and s

Article Source:

eArticlesOnline.com

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