Robious Corridor

Design of the Times

Trinity Episcopal

Trinity EpiscopalWhen the organizers of next month’s RVA Street Art Festival, John Mills and Ed Trask, wanted a new design idea for this year’s festival logo, they knew exactly where to go.
 
They went to Trinity Episcopal School.
 
After visiting classes in IB two-dimensional art, they spoke to students about creating a ”digestible logo that taps in to the creative renaissance that is happening in Richmond and would represent the pulse of the city and this festival.”
 
Two Trinity students were up to the task.
 
When the 3rd edition of the festival comes to the Southern States Silos next month, it will feature logos designed by Trinity Episcopal juniors. Cameron Ferris ’17 and Lara Tomenchock ’17.

 

. . .

 Danny Murphy

Robious Corrdior

Three Painful Bank Fees

and How to Avoid Them

Bank FeesWe’ve always known that banks make major money off fees. Just how much has often been tricky to say, but for the first time last year, the nation’s largest banks were required to start reporting profits from fees in greater detail. Unsurprisingly, the results weren’t pretty.

In 2015, 628 banks subject to the new reporting rules revealed that they made more than $11 billion in overdraft and nonsufficient funds fees, accounting for 8% of their total net income. The nation’s three largest retail banks — Wells Fargo, Chase, and Bank of America — made a whopping $6 billion in overdraft and ATM fees in 2015.

The Consumer Financial Protection Bureau continues to look specifically at overdraft fees, which disproportionately affect younger, poorer, minority consumers, according to Pew Charitable Trusts, to assess whether new regulations are needed. In the meantime, it’s up to you to know which bank fees can leave the biggest hole in your wallet, and how best to avoid them.

  1. Overdraft fees

When you initiate a transaction that requires more money than what is in your account, your bank will may float you a loan to cover it. But you’ll pay dearly for this convenience. The granddaddy of bank fees, overdraft fees cost a median $35 a pop, according to Pew.

One of the most insidious things about overdraft fees is that you may not realize you’re in the red, meaning you could get hit repeatedly. A simple day out shopping — a shirt here, shoes here, a coffee at Starbucks — could set you back more than $100 in fees when you may not have even spent that much on your transactions.

Fortunately, there are several ways to avoid or reduce overdraft fees:

    Opt out. You’re not required to participate in any sort of overdraft program. This way, you’ll simply be denied when you try to initiate a point-of-sale or ATM transaction that overdraws your account. Beware that you still may have to pay a nonsufficient funds fee on check transactions or certain recurring transactions such as automatic bill pay. These fees are usually around the same amount as overdraft fees.

    Choose overdraft transfers. Overdraft transfers let you link a second account, such as savings or a line of credit, to your checking account. Then, the next time you overdraw your account, the bank covers your request with funds from the other account. Generally, the line of credit will be the cheapest option; you’ll typically just pay a one-time annual fee plus interest on the charge. A transfer from a second account may cost roughly $5 to $10 at some banks, but others, such as Ally, offer the service for free.

    Police your spending more carefully. Ideally, you’ll keep enough of a cushion in your checking account to avoid worrying about overdraft fees, but this might not be realistic for everyone. In that case, make sure you take advantage of customizable account alerts. Practically every major bank will let you receive an alert when your account balance dips below a designated amount. Getting tipped off can save you from a potentially pricey overdraft.

  1. Account maintenance fees

This vague monthly fee exists to cover administrative costs on your account. Maintenance fees average $13 a month — not quite as insidious as overdraft fees, but they certainly still add up over the course of a year.

Fortunately, it’s easy to avoid monthly maintenance fees if you do your homework:

    Find a free checking account. Yes, Virginia, free checking accounts do still exist. Nearly one in four checking accounts are still maintenance-fee free. For instance, Ally’s Interest Checking account has no monthly fees — and it even offers a free overdraft transfer service, too. For more options, check out our guide to the Best Free Checking Accounts.

    See whether you can get the fee waived. Many banks offer several ways for customers to avoid the monthly maintenance fee. For instance, Chase waives the $12 monthly fee on its basic Total Checking account for customers who (1) make direct deposits of $500 or more, (2) keep a minimum daily balance of $1,500 or more, or (3) average a balance of $5,000 or more across certain Chase accounts.

  1. ATM fees

Bank FeesSince they’re low-dollar, ATM fees may seem innocent enough. But if you find yourself using non-network ATMs often, a few dollars here and there can add up quickly.

You’ll shell out an average of $4.52 — a 21% rise in the past five years — every time you need cash out of network. That’s the combined total of the fee your own bank charges for going out of network, plus the one charged by the bank that owns the ATM you’re using.

If you don’t feel like shelling out almost $5 next time you need a quick $50 or $60, here are some common-sense strategies that will help you avoid ATM fees:

    Go with a bank that reimburses ATM fees. Some banks (many of them online) do this as a matter of practice in order to attract business. Ally, Bank of Internet USA, and Charles Schwab are among them. USAA Secure Checking reimburses up to $15 in ATM fees each month. Other banks may offer this perk on higher-level checking accounts that require you to carry a heftier balance to avoid the fees. For instance, Chase Premier Plus Checking reimburses Chase fees at non-network ATMs four times a month, but you need a whopping $15,000 balance to avoid a monthly $25 maintenance fee.

    Use your bank’s branch/ATM locator. Every major bank has one of these on their homepage and mobile app. Use it. There’s no sense in paying out-of-network fees when your bank has an ATM you didn’t know about just around the corner.

    Cut down on ATM use. Duh, right? But if you find yourself hitting an out-of-network ATM a couple times a week for small amounts, withdraw a larger amount once a week instead. Better yet, get cash back at a store register when you’re making a purchase. Just make sure the store doesn’t charge any fees for the service first.

Keep an eye out for other sneaky fees

We focus on overdraft fees, monthly maintenance fees, and ATM fees because they’re among the most common (and lucrative for banks). But you’ll want to keep tabs on other ways your bank may force you to pay up: Wire transfer fees, paper statement fees, check-cashing fees, returned deposit fees, excess transaction fees, minimum balance fees, and foreign transaction fees are among the most common on a lengthy list of ways your bank can profit off of you.

Remember: If you’re charged a fee that you feel is unfair, you have nothing to lose by heading to the bank and chatting with a manager to see whether you can get it refunded. This is an especially good tactic if you have multiple accounts with your bank — they may prefer to keep you happy in the long run instead of forcing you to pay a few bucks for a one-time slip-up.

written by Saundra Latham

click here for source article

 

 

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Robious Corridor

Robious Corridor

All-Star Challenge

Today at acac Midlothian

acac MidlothianYou can put your basketball skills to the test for the chance to win prizes today only

Cost:

$20 gets you into the three-point contest or skills challenge.

Each participant also gets a jersey and a free Youth Athletic Development session.

The acac Midlothian All-Star Challenge is open to all between the ages of eleven and fourteen.

This is an easy event to take part in. 

Just register at the front desk.

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Family Guidance Centers

Robious Corridor

NUTRITION TIP OF THE WEEK

acac MidlothianAre you trying to lose weight before bathing suit season? Don’t fall for the quick fix appetite suppressant, extreme calorie restriction, or latest diet fad. They all offer short-term, limited, and many times unhealthy side-effects.

Instead of getting on the scale every morning, get your body fat analyzed and take your measurements. This method can show how you are losing weight. Is it muscle, fat, or water? Remember that ultimate fitness and maintaining a healthy weight requires consistency (not perfection) in our eating habits and our exercise habits.

We are here to help you reach those goals in a safe, attainable way. There are free mini-clinics, a TRI Challenge program, and I can meet one-on-one with you to find a food plan that works for you and your lifestyle. My e-mail is donnaw@acac.com.

Start spring with a new outlook on health!

written by Donna Wheeler, acac nutrionist

 

acac midlothian

Robious Corridor

BASEBALL

Trinity Episcopal 11 Hampton Roads Academy 0

Collegiate 12 St. Anne’s-Belfield 6

Steward 7 Miller 6

Fork Union 8 Woodberry Forest 1

SOFTBALL

Trinity Episcopal 20 Hampton Roads Academy 0

LACROSSE

BOYS

Collegiate 13 Penn Charter 9

GIRLS

Collegiate 11 Episcopal 8

Holton Arms 10 St. Catherine’s 9

Steward 16 Covenant 5

TENNIS

BOYS

St. Christopher’s 7 Norfolk Academy 2

GOLF

BOYS

Collegiate 164 Steward 171

 

 

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Robious Corridor

Dogtopia Chesterfield

Saturday Robious Weather from Dogtopia

 weatherSaturday

Showers likely, mainly before noon. Cloudy, then gradually becoming mostly sunny, with a high near 67. Light northwest wind becoming west 5 to 10 mph in the morning. Chance of precipitation is 60%. New precipitation amounts of less than a tenth of an inch possible.

 

weatherSaturday Night

Mostly clear, with a low around 37. West wind 9 to 16 mph, with gusts as high as 25 mph.

 

weatherSunday

Sunny, with a high near 55. Northwest wind 11 to 15 mph, with gusts as high as 23 mph.

 

weatherSunday Night

Mostly clear, with a low around 41. South wind 3 to 6 mph.

 

weatherMonday

Sunny, with a high near 72.

 

weatherMonday Night

A chance of showers. Mostly cloudy, with a low around 37. Chance of precipitation is 40%.

 

weatherTuesday

Mostly sunny, with a high near 49.

 

weatherTuesday Night

Mostly clear, with a low around 27.

 

weatherWednesday

Sunny, with a high near 56.

 

weatherWednesday Night

A chance of showers. Mostly cloudy, with a low around 45. Chance of precipitation is 40%.

 

weatherThursday

A chance of showers. Mostly cloudy, with a high near 65. Chance of precipitation is 50%.

 

weatherThursday Night

A chance of showers. Mostly cloudy, with a low around 43. Chance of precipitation is 40%.

 

weatherFriday

Partly sunny, with a high near 56.

 

 

 

 

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Ace Glass

Robious Corridor

ON GOING

Youth Art Month

Bellwood Elementary will celebrate Youth Art Month with fun attire. Throughout March, students and staff members will wear items with patterns on Mondays, warm colors (red, yellow or orange) on Tuesdays, cool colors (blue, green or purple) on Wednesdays, animal prints on Thursdays and Bellwood spirit colors (green, yellow and white) on Fridays. For more information, call 743-3600.

Cardinal Craze

To celebrate Youth Art Month, the halls at Crenshaw Elementary feature cardinals (the school mascot). Earlier, students took home large posters to decorate. Students can use any type of material, mimic a famous artist, pattern their cardinal on a book character or another animal, give it colorful designs or try any other original idea. Starting March 7 and continuing throughout March, the colorful creations will hang throughout the school. For more information, email Jennike_Duignam@ccpsnet.net.

NEXT WEEK

School dedication

There will be a dedication ceremony for Carver College and Career Academy 8-9 a.m. April 5. Virginia Secretary of Education Anne Holton will be the keynote speaker. After the program, there will be a reception in the library. For more information, call 768-6156.

Field trip

Fourth-graders from Curtis Elementary will visit Pamplin Historical Park 9 a.m.-4 p.m. April 5 to learn about the Civil War. For more information, call 768-6175.

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