Disclosures are key in overdraft protection litigation

first_imgGood morning folks.  With everyone seemingly so happy that Tiger Woods won his first tournament in five years yesterday, I could ponder what it is about this country that makes us love seeing people strive to succeed; take perverse pleasure in seeing people fall once they succeed; and ultimately take pride in watching them succeed yet again.  But, alas, this is not why you read my blog.Instead, you read my blog to help get a heads up on some of the issues that are either confronting your credit union or might be in the near future.  Overdraft opt-in litigation certainly falls into this category, but I am not sure exactly why.  Here’s why I am confused:First, no one disputes that members have to affirmatively opt in to receive overdraft protections on their debit card transactions.  Second, no one disputes that for purposes of calculating a person’s balance there are two common approaches a financial institution can use.  First, they can calculate based on all the funds in a person’s account when a debit transaction is made.  This is called a ledger balance.  Or, they can calculate using an available funds method, which subtracts from a member’s account funds, which include payments that have not yet been drawn but are committed, such as account holds placed by hotels for incidental uses. continue reading » ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblrlast_img read more

Milos Teodosic moving closer to a return to Clippers’ starting lineup

first_imgLOS ANGELES — The Clippers roused Milos Teodosic early Saturday morning and he worked out for 45 minutes. They planned to work him out again Sunday and if that goes well then it’s anticipated that he could play Monday against the Toronto Raptors for the first time since suffering a plantar fascia injury to his left foot Oct. 21.Teodosic “looked great” during the Clippers’ full-contact practice on Friday, Coach Doc Rivers said. Teodosic sat out Saturday for the 22nd and perhaps final time. He will follow Gallinari (strained left glute) back to the starting lineup once he’s sound enough to play.Blake Griffin is expected to be sidelined for up to two months because of a sprained left knee suffered during the closing minutes of the Clippers’ Nov. 27 victory over the Lakers. Patrick Beverley is out for the rest of the season after undergoing right knee surgery Nov. 22.The Clippers played three games without four of their five opening-night starters before Gallinari returned to the starting lineup for their loss to the Minnesota Timberwolves on Wednesday. Teodosic’s return would cut the number down to two missing starters. “I was trying to be more aggressive and I was a little more effective than the first game.” “Doc has done a great job,” Wizards coach Scott Brooks said. “It’s amazing you can lose four out of five starters and still be demanding of your team to play hard, and that’s what he’s done. That’s not easy. No coach in the league can win with four starters out. But they’re competitive every night.“They’re competitive and you have to give Doc and the staff a lot of credit.”GALLINARI REBOUNDSDanilo Gallinari had a nightmarish return to the Clippers’ starting lineup on Wednesday after a 13-game layoff because of a strained left glute. He missed 11 of 13 shots and scored only seven points with four rebounds in their loss to the Timberwolves and then vowed to be better.Gallinari delivered as promised Saturday, scoring 25 points on 8-for-19 shooting and taking three rebounds in 36 minutes in the Clippers’ victory over the Wizards. He missed his first four shots and then hit his next four en route to 16 points on 5-for-10 shooting in the first half.“I was ready to play the whole game,” he said when asked if he had a minutes restriction Saturday, as he had against Minnesota, when he played only 25:58. “I think that was something the trainers and Doc talked about in my first game back. When Doc asked me I told him I was ready to go.center_img Newsroom GuidelinesNews TipsContact UsReport an Errorlast_img read more

Knicks free agency rumors: New York could pursue forward Julius Randle

first_imgRandle spent the first four seasons of his career with the Lakers before signing with the Pelicans in July 2018.“You’ve just got to look at every situation,” Randle said about free agency in April. “I don’t know what the situation will look like. I thoroughly enjoyed my time here. Would love to be back. But, like I said, you have to look at every situation, look at options, and do what’s best for you and your family and your career at the moment.”The Knicks, meanwhile, are hoping to have a busy offseason as they’ll reportedly pursue multiple stars. They’ve been linked to Kawhi Leonard, Kemba Walker, Kyrie Irving and Kevin Durant — who ruptured his Achilles during Game 5 of the NBA Finals.New York holds the No. 3 pick in the 2019 Draft on Thursday and is expected to pick former Duke star RJ Barrett. NBA free agency rumors: Lakers, Knicks, Mavericks most interested in Kemba Walker R.J. Barrett won’t be meeting with any other teams, and says that he wants to be a Knick:”This is the place I want to be, I hope they draft me” pic.twitter.com/E1i11C1C17— SNY (@SNYtv) June 10, 2019“We’re excited about where we are,’’ Knicks president Steve Mills said last month, via the Post. “We know we’ll get a good player at three. So, it’s something we’re excited about and look forward to. We want to build this team the right way. We’ve always said we’re going to continue to work hard during the draft process. We believe we’re a team that can draft well.’’The Knicks finished the season with a 17-65 record. They last made the playoffs in 2012-13. NBA trade rumors: Jazz ‘front-runner’ to acquire Grizzlies’ Mike Conley Jr. The Knicks appear to have interest in Julius Randle.New York “likes” the 24-year-old forward and could pursue him when free agency begins June 30, according to a report from the New York Post. Randle has reportedly opted out of his contract with the Pelicans. Randle averaged a career-high 21.4 points, along with 8.7 rebounds, in 73 games with the Pelicans in 2018-19. He shot 52.4% from the field and 34.4% from 3-point range.“It just shows opportunity and preparation,” Randle said about his season, via NOLA.com. “Just years of preparation and hard work and finally coming and getting my opportunity, I was able to make a jump. So, I expect that next year, as well, out of myself. My job is just to prepare.” Related News Anthony Davis trade rumors: Knicks ‘weren’t close’ to having assets needed to acquire starlast_img read more

Meunier sells: “Even without a leg, it would be good business”

first_imgThomas Meunier has given an interview in the Belgian media RTBF, in which he has given his version for the injury of Eden Hazard. Beyond that, the Paris Saint Germain footballer ends his contract next June and has been in charge of selling himself to receive good offers in the market. So much so, that he has even said that it would be a great option for any club even if they cut off his leg. PSG in the Champions League quarterfinals: “If it were not played more it would be crazy, incredible. We worked long after the defeat in Dortmund. We have the potential to go all the way. We are playing for the title, we are in the final of the two cups … It could be a fantastic season. “Workouts at home: “We have an individual program of the trainers of the PSG. I invested in a bicycle and a treadmill to put at home. Before I did not have much, I admit it. I have two or three weights and something else.”Do you exercise every day?: “I run every other day. I am lucky to have a very sporty woman, so we encourage each other. If we do it two people is much more joyful than doing it alone. She comes out of her pregnancy, so she is getting back in shape.”How confinement is handled: “Very well, I admit it. It is a blessing to see my children seven days a week, 24 hours a day. I am very happy to stay home.”He stays in Paris: “We were hesitant to go back to Belgium, but it would be to be with the family, have a barbecue and have a drink and we couldn’t have done it. It was easier to stay here.A message for the population“Saving lives is not complicated. It is true that we all want to go for a drink on the terrace, but you just have to stay home to stop the spread. People must understand that there is a real need to stay home.”Video game: “It has been years since I played. Since I am a father I have disconnected. But that is there, I caught it from time to time in the national team. I am not a fan of that and I spend a lot of time with the children. But I am going to participate in a tournament next week to benefit the country’s hospitals. “Her idol: “Ronaldo, the Brazilian. Also the Manchester United version of Beckham, Giggs, Sheringham … It made me love and understand football.” Possible interest of Dortmund: “I see that many fans write to me, I do not understand it (laughs). I have seen articles that link me to Tottenham or Inter, but the fans of Dortmund are the most visible.”Could I go back?: “I am a 28-year-old player, I finish a contract, I would go out for free, I am international in the best team in the world … It cannot be a bad business or a bad purchase. In terms of investment there is not much to lose, even if I they cut a leg. “objective: “No, I don’t sell myself. I speak honestly. Everyone knows that my main objective is to stay in Paris. We will see …”.The fans ask him to stay: “There are still people who understand (laughs)”.Will he play with PSG again?: “I don’t think I have already played my last game. I like to look at the German and Italian championships and I hope we go in the same direction. For economy, television rights … We will. It will be done little by little, even to closed door. I hope we can resume in mid-May. I see for example that Dortmund has resumed training, even if it is two by two. If the season ends empty there will be many repercussions … “.last_img read more

Gregg Popovich ties Pat Riley for road wins as Spurs beat Wolves

first_imgSan Antonio Spurs coach Gregg Popovich applauds his team during the second half of an NBA basketball game against the Minnesota Timberwolves on Friday, Jan. 18, 2019, in Minneapolis. The Spurs won 116-113. (AP Photo/Jim Mone)MINNEAPOLIS — Under coach Gregg Popovich, the San Antonio Spurs have been consistent winners. That includes when they go on the road — and anywhere they play the Minnesota Timberwolves.LaMarcus Aldridge scored 25 points, Rudy Gay added 22 and the Spurs held on to give Popovich another milestone victory in a 116-113 win against the Timberwolves on Friday night.ADVERTISEMENT View comments DeRozan began the day 20th in the league in points per game (21.7) and 13th in assists (6.4).TOWNS FOULSIt was the sixth time Towns has fouled out this season, and the second time against San Antonio. He entered tied for first in the NBA in fouls per game at 3.8“I’m going to save my money because whatever I say won’t change anything,” Towns said.UP NEXTSpurs: Return home against the Los Angeles Clippers on Sunday.Timberwolves: Host the Phoenix Suns on Sunday.Sports Related Videospowered by AdSparcRead Next The Spurs responded with a 13-2 spurt of their own as Bertans hit a pair of 3-pointers.“We had a 10-point lead. We didn’t close out the show,” Towns said. “We didn’t do what we needed to do to come out with a win. That’s the disappointing thing about tonight. That’s our next step in maturation of our team.”The Wolves led 90-88 to start the fourth, but Bertans opened the quarter with another 3. San Antonio led by seven in the fourth, but Minnesota clawed back within one with 30.3 seconds left on Rose’s layup.Belinelli hit two free throws and Rose’s 3 at the buzzer was off the mark.TIP-INSSpurs: Popovich is third in NBA history with 1,224 wins overall. He passed Jerry Sloan for third place on Jan. 10. … San Antonio entered 4-17 this season when trailing after three quarters.Timberwolves: Tyus Jones missed the game with a left ankle sprain sustained Tuesday at Philadelphia. Robert Covington missed his eighth straight game with a right knee bone bruise. … Andrew Wiggins passed Sam Mitchell for second place on the franchise’s career scoring list. Wiggins has 7,174 points. Kevin Garnett is first with 19,201 points in a Wolves uniform. … After scoring his 10,000th career point on Tuesday, Rose got his 3,000th assist on Friday. … Minnesota announced that Jerry Sichting was hired as an assistant coach. It is Sichting’s third stint with the Wolves. He spent 10 years with the team from 1995-2005 and two seasons from 2007-09.ON THE MENDDeRozan said he expects to play Sunday “without a doubt” even though he’s “a little banged up.”“I pride myself in not missing a practice, not missing a game,” he said. “When you play a lot of minutes, a lot of things accumulate that you’ve got to deal with, so it was kind of good just to get a rest. Don’t play until Sunday, get some treatment. So, a couple days for me is going to be big.” Nadine Lustre’s phone stolen in Brazil LATEST STORIES Carpio hits red carpet treatment for China Coast Guard PLAY LIST 02:14Carpio hits red carpet treatment for China Coast Guard02:56NCRPO pledges to donate P3.5 million to victims of Taal eruption00:56Heavy rain brings some relief in Australia02:37Calm moments allow Taal folks some respite03:23Negosyo sa Tagaytay City, bagsak sa pag-aalboroto ng Bulkang Taal01:13Christian Standhardinger wins PBA Best Player award Gretchen Barretto’s daughter Dominique graduates magna cum laude from California college Popovich earned his 520th career win on the road, tying Pat Riley for the most in NBA history.“We got through some stuff and it’s always good to win on the road,” Popovich said. “It’s always difficult to do, but when you do it feels pretty good.”FEATURED STORIESSPORTSGolden State Warriors sign Lee to multiyear contract, bring back ChrissSPORTSCoronation night?SPORTSThirdy Ravena gets‍‍‍ offers from Asia, Australian ball clubsThe win also continued San Antonio’s mastery of Minnesota. The Spurs have won 16 of the past 18 games between the teams. San Antonio is 59-25 in the series since Popovich took over as coach for the 1996-97 season.Marco Belinelli added 19 points off the bench for San Antonio, which played without leading scorer DeMar DeRozan because of left ankle soreness. Philippine Army to acquire MANPADS, self-propelled howitzers Serena Williams into Australian 4th round with only 9 games dropped so far center_img MOST READ Tom Brady most dominant player in AFC championship history In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’ “Coach Pop said don’t think about it and play basketball, and we’ve got to win the game no matter what,” forward Davis Bertans said.Karl-Anthony Towns had 23 points for the Timberwolves but fouled out after only 21 minutes. Derrick Rose chipped in 23 points and Taj Gibson added 14 points and 11 rebounds for Minnesota.Another matchup between the familiar foes was tight throughout, with 27 lead changes and 17 ties. It also featured a heavy dose of fouls on both sides. The teams combined for 53 personal fouls and 67 free throws.“We’re a no-excuse team,” Timberwolves coach Ryan Saunders said. “We made our own mistakes at times. We had opportunities to win. So, there’s nothing on the officials.”Towns picked up his fourth foul less than two minutes into the second half, and again went to the bench. Josh Okogie had six points and Jeff Teague added five as Minnesota used a 14-1 run to take a 77-67 lead.ADVERTISEMENT Ginebra beats Meralco again to capture PBA Governors’ Cup title Ginebra beats Meralco again to capture PBA Governors’ Cup title Japeth Aguilar wins 1st PBA Finals MVP award for Ginebra Don’t miss out on the latest news and information. In fight vs corruption, Duterte now points to Ayala, MVP companies as ‘big fish’last_img read more