Sunday, March 31, 2013
Alvarado gets revenge against Rios
Labels:
Brandon Rios,
CompuBoxX II,
Mike Alvarado,
Pay Day,
Purse,
Victory
Banks made $32 billion on overdraft fees last year
Bank customers may complain about hefty overdraft fees, but they’re using the service more and paying the price.
A new report from Moebs Services, a respected economic research firm, shows overdraft revenue at banks, credit unions and thrift institutions totaled $32 billion last year. That’s an increase of $400 million or 1.3 percent from 2011.
“Consumers use of overdrafts shows no indication of going away, and is actually increasing,” said Michael Moebs, who wrote the study.
At the current rate of growth, Moebs predicts revenue from overdraft fees will hit a new record by the end of 2016, topping the old record of $37 billion set in 2009.
The Moebs study found that about a quarter of the people with a consumer checking account – that’s 38 million people – frequently overdraft. The median overdraft is about $40.
More than half of the customers who frequently overdraft – 57 percent or 20 million people – go to payday lenders when they are short on funds.
Why? Because a payday loan is significantly cheaper.
“Payday lenders are the low-price source for short-term cash needs,” Moebs said. “You can get a cash advance for $16 as opposed to $25 at a community bank, $27 a credit union and $30 at bank or thrift. Those are median prices.”
While the cost of an overdrawn account has been going up at many financial institutions, the price of borrowing from a payday lender has dropped. The median charge for a $100 cash advance dropped $1.50 from 2011 to 2012, from $17.50 to $16.
Moebs firmly believes many of the people who use a payday lender would rather not, if the cost of the overdraft penalty was more in line with what the payday stores charge. He puts that price point at $20.
What it really costs to cover an overdraft
Consumer groups have long asserted that overdraft fees are revenue generators, deliberately higher than the banks' cost of providing the service.
“It’s very clear that banks are gouging customers with incredibly high and outrageous overdraft fees that are not related to their cost,” said Ed Mierzwinski, consumer program director at U.S. PIRG.
A bill introduced in Congress last week (The Overdraft Protection Act of 2013) would require these fees to be “reasonable and proportional.”
Moebs told me his costs studies, some of which were done for the Federal Reserve Bank, show the prices charged by the big financial institutions “are legitimate” because their cost structures are so high.
He estimates that a megabank makes about $3 on each overdraft charge, the same profit the payday lender earns with a $100 loan. But because the overhead at the bank is so much higher, it has to charge $30 or $35 to make the same amount.
Smaller banks and credit unions have a smaller nut to crack, so they might be able to reduce the price on an overdraft. Moeb’s advice to these institutions: lower that price and you’ll get more customers.
Of course, the goal is to avoid overdraft charges. Check your account statement – online, by phone or at an ATM – to make sure you don’t try to spend money that’s not in your checking account.
“If you are likely to overdraft, the main street institutions are your best choice – most credit unions and community banks and some of the thrifts – because they have a lower overdraft fee,” Moebs said.
Debit-card transactions often cause an account to be overdrawn. Remember: Your bank or credit union will deny a point-of-purchase debit-card payment or cash withdrawal from an ATM if there is not enough money in the account to cover it, unless you “opt in” to their overdraft protection plan. In that case, the transaction will go through and you’ll get hit with a fee.
A recent study by the Pew Charitable Trusts found that 54 percent of the customers who had overdrawn their accounts said they did not realize they had signed up for an overdraft service that cost money. Susan Weinstock, director of Pew’s Safe Checking in the Electronic Age Project, said this shows there is “a very high level of confusion” about how this overdraft protection works.
Source: nbcnews.com Herb Weisbaum, NBC News contributor
Saturday, March 30, 2013
L.A. County Sheriff recommends Justin Bieber be prosecuted.
Labels:
Justin Bieber,
LA County,
Neighbor,
prosecuted,
Sheriff,
Spit
Surprise! Very, very skinny jeans in viral ad don't exist
American Eagle Outfitters shows its cheeky side in a video ad for a new pair of skinny jeans so tight, they’re practically sprayed on.
That’s because they are.
It takes a brave person to wear the AEO Skinny Skinny, hawked in a 30-second faux ad going viral. The video features young people expressing ways to emphasize their creativity and individuality – and their preference for jeans that feel like almost nothing.
The video contains a link to American Eagle’s website, where limited edition cans of the spray on jeans are sold for $49.95 each. (They’re available in “indigo” or “bright” wash.)
But snap! Try adding the cans to your shopping bag and you get the following pop-up message:
“Sorry! The AEO Skinny Skinny is temporarily sold out. Enter your email below and we’ll let you know when the Skinny Skinny is back in stock!”
For the record, Skinny Skinny spray-on jeans don’t exist, said Bob Holobinko, vice president of brand marketing for American Eagle.
"We are not selling it, just to be clear,” he clarified Friday on TODAY, as two models showed off the "jeans." The brave pair were painted for the appearance in conjunction with CollegeHumor.com.
“We just wanted to have fun, and have fun with our fans,” he said. “And it was a good opportunity to kind of push it from a brand standpoint and the response has been incredible.”
The YouTube video has generated more than 348,000 views so far.
Story: How to find your dream jeans
In the ad, one young man says, “I like skinny jeans. Sometimes they’re not skinny enough.” He is then shown skateboarding wearing a jacket and nothing below but some dark blue spray paint.
A woman declares, “I love really skinny jeans,” before the camera shows a tight shot of her "Avatar"-blue derriere.
Peter Shankman, an independent marketing consultant, called the campaign “brilliant.” Although people watching the ad knows the product is fake, it still draws them to the retailer’s website.
“Let’s be honest, when was the last time you heard about a good American Eagle ad?” he said. “It was a while ago. So this is phenomenal. A great way to bust out from the mainstream. People are talking about it.”
Holobinko said the video is the first installment of a campaign they consider “a journey.” A second release will be issued next week and people who enter their email on the “Skinny Skinny” site will get additional information.
“So for all of our customers that have come along with us, there’s going to be a really great reveal at the very end,” he said.
Although some may consider the commercial daring, Holobinko said they were very careful putting the final product together.
“We knew we were putting ourselves out there, I think that was the goal,” he said. “But even through the edit and through the filtering process we had to be cautious of what we were showing. But we think we landed in a good spot.”
Source: tomday.com By Eun Kyung Kim, TODAY contributor
Labels:
AE.com,
American Eagle,
Body Paint,
Hoax,
Joke,
Skinny Skinny Jeans
Friday, March 29, 2013
Lindsay Lohan's Brazilian Party Details: Inside Her Night Out at São Paulo Club
Robin Thicke featuring Pharrell & T.I. – Blurred Lines (Explicit Version)[NSFW]
It’s not like Robin Thicke’s “Blurred Lines” music video wasn’t already controversial, what with the line between ‘objectification’ and ‘standard-issue model presence’ already being obscured in both the song and visual accompaniment. However, a new ‘explicit version’ of the video has been released, featuring Emily Ratajkowski alongside some other very lovely counterparts strutting their stuff in a topless glory (taste barely included). It should be clear from the description that this video is very NSFW, but it might be a good idea to watch this away from your girlfriend as well. In any regard, enjoy above.
Source: Hypebeast.com
Tyler, the Creator featuring Pharrell – IFHY | Video
Following a slight delay, Odd Future frontman Tyler, the Creator presents the official visuals for his Pharrell-assisted track “IFHY.” Directed by “Wolf Haley” himself, the music video sees an awkward Tyler struggling with a love and hate battle for his doll of a significant other. At the end, the video takes an unexpected turn as Tyler previews the track “Jamba” while going for a joy ride with Hodgy Beats. Look for both tracks to appear on Wolf, which drops on April 2.
Source: Hypebeast.com
Labels:
Music videos,
Pharrell,
Pharrell Williams,
Tyler the creator,
Videos
Nas Talks About 'Life is Good',2Pac,Biggie, Diss Lil Wayne, Gunplay attacking 50 Cent, Amy Winehouse
Nas Sat down for an Hours Interview to talk about his Album 'Life is Good' and The state of Hip-Hop. In this interviews he mentions Notorious B.I.G (Biggie), 2Pac,He also Disses Lil Wayne, After lil wayne said 'I'm the New Pac', He talks about Gunplay attacking 50 Cent, Violence in ignorant rappers, Past Hip-Hop Album 'Hip-Hop is Dead' His favourite lyrics and what inspired him, Advising Young Generation, and a lot more.
Labels:
'Life is Good',
2Pac,
50 Cent,
Amy Winehouse,
Biggie,
Diss Lil Wayne,
Gunplay,
Nas
RiFF RAFF Calls out James Franco, Reviews Spring Breakers & Buys $200K Aston Martin
RiFF RAFF aka Jody HighRoller stops by the Skee Lodge to buy his New Aston Martin from DJ Skee. Jody also discusses his views on James Franco, Selena Gomez and the movie Spring Breakers.
Labels:
James Franco,
Jody HighRoller,
RiFF RAFF,
Springbreakers
Thursday, March 28, 2013
XXL's 2013 Freshman Cover Shoot: Behind The Scenes
XXL drops the behind the scenes of the freshmen photoshoot featuring Action Bronson, Schoolboy Q, Travi$ Scott, Trinidad James, Ab-Soul, Joey Bada$$, Kirko Bangz, Angel Haze, Logic and Dizzy Wright.
WHITE HOUSE DOWN - Official Teaser Trailer - In Theaters 6/28
Official Description:
While on a tour of the White House with his young daughter, a police officer (Channing Tatum) springs into action to protect his child and the president (Jamie Foxx) from a heavily armed group of paramilitary invaders. Co-starring Maggie Gyllenhaal, James Woods and Joey King.
Directed by Roland Emmerich
Labels:
Channing Tatum,
Jamie Foxx,
Official Trailer,
White House Down
The Wolverine: International Trailer
Watch the official trailer, starring Hugh Jackman! In cinemas July 26th 2013
Like us on Facebook - www.facebook.com/TheWolverineMovie
Follow us on Twitter - @TheWolverineUK
Based on the celebrated comic book arc, this epic action-adventure takes Wolverine (Hugh Jackman), the most iconic character of the X-Men universe, to modern day Japan. Out of his depth in an unknown world he faces his ultimate nemesis in a life-or-death battle that will leave him forever changed. Vulnerable for the first time and pushed to his physical and emotional limits, he confronts not only lethal samurai steel but also his inner struggle against his own immortality, emerging more powerful than we have ever seen him before.
Labels:
11 Third Records,
2013,
Movie,
Official Trailer,
Video,
Wolverine
B-Real: 40 Glocc's Game Lawsuit Breaks Street Code
Legendary Cypress Hill rapper B-Real shares his thoughts on 40 Glocc suing Game over their street fight, saying that 40 broke street code. B-Real also talks about his relationship with both artists, how their beef is affecting younger fans, and the status of West Coast hip-hop.
Wednesday, March 27, 2013
Halle Berry Flaunts Major Bikini Boobage
Labels:
BeachX Bikini,
Halle Berry,
Nahla,
Ocean,
Oliver Martinez,
Swiming Suit
Cara Delevingne by Peter Lindbergh for Interview Magazine
SEXIFY
British model and goofball Cara Delevingne shows her not that goofy side for a seductive black and white fashion spread in the latest issue of Interview Magazine. The famed fashion photographer Peter Lindbergh captured Cara styled by Karl Templer and with Make Up by Emmanuel Sammartino.
Source: global14.com
Labels:
Cara Delevingne,
Interview Magazine,
Peter Lindbergh
Thailand’s Bearbrick-Inspired Bear House
Tuesday, March 26, 2013
Britney Spears Bikini: Singer's Body Looks Unbelievable In Tiny Two-Piece (PHOTOS)
T-Mobile iPhone 5 Will Be Available Starting On April 12
Recreational Marijuana Bars Test Limits Of Legal Weed Laws In Washington, Colorado
Phil Jackson - Eleven Rings
Labels:
Book,
Dennis Rodman,
Eleven Rings,
Kobe Bryant,
Michael Jordan,
Phil Jackson
Giants' Shaun Rogers has $430k of jewelry stolen
Labels:
Groupie,
Hald a Million,
Jewelry Stolen,
Jewels,
Miami,
One Night Stand,
Shaun Rogers
Jodeci Falls Off Stage (Dalvin jumps off stage and almost breaks his back) 23/03/2013 Wembley Arena
After great performances from Changing Faces, SWV, Dru Hill and Blackstreet, Jodeci came out headling the show. With high exceptions now been set, within the first 30 seconds of Jodeci's performance, Dalvin jumps off the stage almost breaking his back with another member leaving the stage immediately after!!! They tried to carry on with thier performance after that with 3 members, but thier singing was out of beat/tune, where clearly no rehearsals had taken place as THEY were all over the place, with one member singing acapella whilst another talking over him....it was safe to say they were under the influence of something (again) The crowd started booing them within a couple of minutes and the arena started to empty rapidly
Monday, March 25, 2013
Irina Shayk for ‘Natural Beauty’ by James Houston
BEAUTIFUL!!
Australian born and NYC based photographer James Houston captured Irina Shayk in all her perfection as part of his book project ‘Natural Beauty’. In collaboration with MILK Studio, the concept of the Natural Beauty project is to raise awareness for the environment and sustainable living with proceeds from book sales and supporting initiatives benefitting Global Green USA. The book will be released in late Spring so we can be sure to see more natural beauties shot by James Houston.
Source: global14.com by JD
Labels:
Global Green USA,
Irina Shayk,
James Houston,
Natural Beauty
Cop Goes Crazy at Innocent Guys Filming a Wal-Mart in Houston
Cop Goes Crazy at Innocent Guys Filming a Wal-Mart in Houston
Hostile Houston Cop comes after two innocent guys video taping at a Wal-Mart in SouthWest Houston for NO REASON, the men were held against their will before later being hand-cuffed to be arrested but released after another cop came to their rescue. The incident was only resolved after the cop tried to bribe and threaten the men to ERASE this footage or go to JAIL.... (This is a REAL police officer of the Houston TX Police Department. Apparently he works part-time as a guard for Wal Mart after his shift. This information was CONFIRMED by the other police officer who came to our rescue on the scene and who's information will remain anonymous for being a better person although they also took the bad cops side when it came to erasing the footage before our release. We made them think we erased it so YOU could see this for yourself. Also what you see in this video is the FIRST contact made with the police officer which was initiated by HIM. Had he ordered we stop video taping Wal Mart or just to plain STOP video taping we would have been happy to comply, but his issue was "Don't record ME!!" when my friend asked "What? Stop Recording?" the officer replied only with "NOT ME" and both of us confirmed he was not being recorded on purpose and continued with our harmless film which would probably have NEVER even surfaced had he not done what you see here) The police department also denies this as one of their own even while his information is public knowledge. We have yet to hear about him being in anyway punished for his actions so your help would be GREATLY appreciated
Hip-Hop Rumors: Arsenio Hall and Eddie Murphy Beef!
Labels:
Arsenio Hall,
Beef,
Drama,
Eddie Murphy,
Talk Show
Bill Gates Offers Grant for ‘Next Generation Condom’

Sunday, March 24, 2013
Manny Pacquiao to Join Jordan Brand?
Nicki Minaj Has Double Nip Slip in New Video with Lil Wayne
Nicki Minaj is many things, but shy certainly isn't one of them!
In a behind the scenes clip from her latest music video entitled High School with rapper Lil Wayne, the American Idol judge wears a bright green swimsuit while splashing around in the hot tub.
While shooting the hot tub scene, both of her boobs totally pop out of her bathing suit, yet Nicki continues filming as if nothing's wrong! What a pro.
And if that's not crazy enough, after the hot tub scene is wrapped and she's wearing clothes again, she has a security person carry her around.
Hit the clip above to see what else went on behind the scenes of the High School music video shoot.
Source: cambio.com By Cristina Gibson
ADRIEN BRONER STUNTIN' IN MIAMI - COUNTIN' CASH
ADRIEN BRONER FRESH OFF OF HIS RECENT TITLE DEFENSE VICTORY SPEAKS TO THE WORLD FROM HIS MIAMI VACATION SPOT, AND TALKS UPCOMING WELTERWEIGHT TITLE FIGHT!
Jennifer Capriati charged with battery, stalking
Tennis star Jennifer Capriati will face a judge after being formally charged with battery and stalking.
Labels:
Battery,
Court Docket,
Day in Court,
Jennifer Capriati,
Stalking
Friday, March 22, 2013
At 'Breastaurants,' Business Is Booming
While many restaurant chains are struggling, Twin Peaks, Tilted Kilt and others are thriving.
Vanessa Hudgens does a ‘booty pop’ dance for Jay Leno on ‘The Tonight Show’
The ‘Spring Breakers’ star, clad in a figure-hugging yellow dress, bounced around the couch before getting up to do a proper ‘booty pop’ for the audience.
Vanessa Hudgens showed off her dancing skills while visiting Jay Leno on "The Tonight Show" Wednesday night.
It all started when Hudgens recounted a party at Madonna's house that she attended with co-star Selena Gomez.
"We walked in and we were dancing for a while," she said, "and Selena's doing her thing and I'm like, 'this girl can dance but I need a break because I feel like my ears are ringing.'"
When Leno probed about whether the girls had a dance contest, Hudgens excitedly explained how she got in the mix with Madonna’s dancers.
"They were having a dance off so I was like, 'I gotta jump in on this action,'" she said. "They need some of Vanessa up in this. So I had a dance off with some of her dancers, and I took the prize."
"I hate to admit it but when it comes to my dancing, there's a lot of booty popping involved," Hudgens explained. Of course, Leno insisted on seeing a demonstration due to his "old" age.
With some help from the house band and cheering from the crowd, Hudgens got up and enthusiastically "popped" her rear to the beat.
Source: dailynews.com
We Steal Secrets: The Story of WikiLeaks Official Trailer
Here’s the first official trailer to Alex Gibney’s new documentary We Steal Secrets: The Story of WikiLeaks, a comprehensive film on the controversial platform ran by Julian Assange - Australian editor, journalist and activist. Having made its debut at the Sundance Film Festival earlier this year, the film received positive reviews among its share of animosity and skepticism - inevitable considering the ever-elusive topic at stake. The Oscar-winning director does a superb job at structuring the layer-heavy narrative, joining dots between the political website, the unveiling of top-secret military news by a certain solider, and above all raising the question on weather certain information should, or needs to be shared with the public. Watch the trailer above, and keep an eye out for a limited release by Focus World starting on May 24.
Author:Arthur Bray Hypebeast.com
Labels:
Alex Gibney,
Documentary,
Julian Assange,
WikiLeaks
Fucking Young! Spring/Summer 2013 Issue “1997″
Subscribe to:
Posts (Atom)