People don’t understand how grateful I am for the opportunity to be call the Driven Magazine’s model of the season. This journey as an aspiring model has been a very bumpy one, but I’m soo happy with how far I’ve come and the people I’ve met and even more excited for the success to come. I’ve must send a special thanks to the editor in chief or the magazine Anthony Isambert for his constant work in help guide me through this journey not only as a mentor but a friend. Thanks!! So everyone make sure you guys go check out the magazine atwww.thedrivenmagazine.com #fashion #malemodel #modeloftheseason #drivenmagazine #driven #isambertphotography #photoshoot #photography #fahionmag #model
Hey guys and girls come out support me August 10th at the fashion arena runway show, this week at the Dallas arboretum. This week only, there’s promotion going on where when you buy one ticket, you get to bring a friend for free. Go online to www.thefashionopera.com
Promotion code if it asks is sunnyh or if it asked who you heard from let them know sunny h told ya.
Show I’ll be walking in. Save the date August 10 at the dallas arboretum. #dallasfashion #fashion #runway #model
Jacoby Lambert by Juan Veloz
Squeezed by falling revenue on deposit accounts, banks are turning to a familiar source of income: overdraft fees.
Nearly four years after regulators tried to curb the fees, banks are lifting them to new heights. The median fee for withdrawing more from a checking account than a customer has on deposit increased to an estimated $30 in 2013—a record—up from $29 in 2012 and $26 in 2009, based on a survey of 2,890 banks and credit unions by Moebs Services Inc., an economic-research firm in Lake Bluff, Ill.
"Banks have a revenue gap that needs to be recouped," said Greg McBride, chief financial analyst at Bankrate.com, which tracks overdraft fees and other charges.
Banks’ fee revenue from checking, savings and other deposit accounts has been sliding since several regulations took effect. The Federal Reserve in 2010 stopped banks from automatically charging customers overdraft fees on debit-card and automated-teller-machine transactions. In addition, the Dodd-Frank financial-overhaul law included an amendment that went into effect in 2011 lowering a debit-card fee large financial institutions charge merchants.
The recent regulations “have forced banks to raise fees where they ordinarily would not have done so,” said Richard Hunt, chief executive of the Consumer Bankers Association, which represents retail banks with more than $1 billion in assets and is based in Washington.
At the same time, years of low rates on mortgages and other loans have eaten into the income banks collect from interest charges, an important driver of bank earnings.
To help make up for lost revenue, experts say banks are raising overdraft fees and pitching related services, hoping to increase the pool of customers who can incur such fees.
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