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Chapter 84
|1For the conductor, on the gittith, of the sons of Korah, a song.
|אלַמְנַצֵּחַ עַל הַגִּתִּית לִבְנֵי קֹרַח מִזְמוֹר:
|2How beloved are Your dwelling places, O Lord of Hosts!
|במַה יְּדִידוֹת מִשְׁכְּנוֹתֶיךָ יְהֹוָה צְבָאוֹת:
|How beloved are Your dwelling places: How beloved and dear are Your dwelling places!
|3My soul yearns, yea, it pines for the courts of the Lord; my heart and my flesh pray fervently to the living God.
|גנִכְסְפָה וְגַם כָּלְתָה | נַפְשִׁי לְחַצְרוֹת יְהֹוָה לִבִּי וּבְשָׂרִי יְרַנְּנוּ אֶל אֵל חָי:
|yearns: Heb. נכספה Desires.
|pines: Heb. כלתה, desires, as (II Sam. 13:39): "And [the soul of] King David longed (ותכל) to go forth to Absalom."
|for the courts of the Lord: for they have been destroyed, and he says this regarding the exile.
|my heart and my flesh pray fervently: They pray for this.
|4Even a bird found a house and a swallow her nest, where she placed her chicks upon Your altars, O Lord of Hosts, my King and my God.
|דגַּם צִפּוֹר | מָצְאָה בַיִת וּדְרוֹר קֵן | לָהּ אֲשֶׁר שָׁתָה אֶפְרֹחֶיהָ אֶת מִזְבְּחוֹתֶיךָ יְהֹוָה צְבָאוֹת מַלְכִּי וֵאלֹהָי:
|Even a bird found a house: In its ruins, the birds have nested. According to Midrash Aggadah (Mid. Ps. 84:2), it speaks of [the Temple] when it is built, and the bird is the nation of Israel.
|5Fortunate are those who stay in Your house; they will continually praise You forever.
|האַשְׁרֵי יוֹשְׁבֵי בֵיתֶךָ עוֹד יְהַלְלוּךָ סֶּלָה:
|Fortunate: is he who will yet merit to dwell in Your house, and they will yet praise you in its midst.
|6Fortunate is the man who has strength in You, in whose heart are the highways.
|ואַשְׁרֵי אָדָם עוֹז לוֹ בָךְ מְסִלּוֹת בִּלְבָבָם:
|who has strength in You: Who has made You the strength of his trust.
|in whose heart are the highways: Who thinks in his heart the paving of his ways, to straighten his way.
|7Transgressors in the valley of weeping make it into a fountain; also with blessings they enwrap [their] Teacher.
|זעֹבְרֵי | בְּעֵמֶק הַבָּכָא מַעְיָן יְשִׁיתוּהוּ גַּם בְּרָכוֹת יַעְטֶּה מוֹרֶה:
|Transgressors in the valley of weeping: Those who transgress Your law behold, they are in the depth of Gehinnom with weeping and wailing.
|make it into a fountain: with the tears of their eyes.
|also with blessings they enwrap [their] Teacher: They bless and thank His name and say, "He judged us fairly, and His judgment is true." (Another explanation: Shem Ephraim) And the one who taught us to follow the good way enwraps us with blessings, but we did not obey him.
|8They go from host to host; he will appear to God in Zion.
|חיֵלְכוּ מֵחַיִל אֶל חָיִל יֵרָאֶה אֶל אֱלֹהִים בְּצִיּוֹן:
|They go from host to host: Those mentioned above, who dwell in Your house, in whose heart are the highways.
|from host to host: From the study-hall to the synagogue, and their host and army will appear to the Holy One, blessed be He, in Zion.
|9O Lord, God of Hosts, hearken to my prayer; bend Your ear, O God of Jacob, forever.
|טיְהֹוָה אֱלֹהִים צְבָאוֹת שִׁמְעָה תְפִלָּתִי הַאֲזִינָה אֱלֹהֵי יַעֲקֹב סֶלָה:
|hearken to my prayer: to build Your house.
|10See our shield, O God, and look at the face of Your anointed.
|ימָגִנֵּנוּ רְאֵה אֱלֹהִים וְהַבֵּט פְּנֵי מְשִׁיחֶךָ:
|our shield: That is the Temple, which protects us.
|look at the face of: David Your anointed, and ponder his acts of kindness and his toil, by which he toiled and wearied himself in its building.
|11For a day in Your courts is better than a thousand; I chose to sit on the threshold of the house of My God rather than dwell in tents of wickedness.
|יאכִּי טוֹב יוֹם בַּחֲצֵרֶיךָ מֵאָלֶף בָּחַרְתִּי הִסְתּוֹפֵף בְּבֵית אֱלֹהַי מִדּוּר בְּאָהֳלֵי רֶשַׁע:
|For a day is better: [To live] one [day] in Your courts and die the next [is better than] to live a thousand years someplace else.
|I chose to sit on the threshold: Heb. הסתופף, to sit habitually on the threshold and by the doorpost.
|rather than dwell in tents of wickedness: rather than dwell tranquilly in the tents of the wicked Esau, to cleave to them.
|12For a sun and a shield is the Lord God; the Lord will give grace and glory; He will not withhold good from those who go with sincerity.
|יבכִּי שֶׁמֶשׁ | וּמָגֵן יְהֹוָה אֱלֹהִים חֵן וְכָבוֹד יִתֵּן יְהֹוָה לֹא יִמְנַע טוֹב לַהֹלְכִים בְּתָמִים:
|For a sun and a shield: שמש may be interpreted according to its apparent meaning, but Midrash Psalms interprets it as an expression of the points of the wall.
|13O Lord of Hosts, fortunate is the man who trusts in You.
|יגיְהֹוָה צְבָאוֹת אַשְׁרֵי אָדָם בֹּטֵחַ בָּךְ:


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Well guys, here is my first attempt at a Fett pouch. Personally, I am stoked. Version 1 pouch patterns will be adjusted slightly, one change will be to make the cover flap longer. The one pictured is a bit short.
The pouches will be functional. Not that there is any need for it (since we have giant pouches all over our costume), but because I can do it. As you see, these babies are not coming apart. Body and flap are cemented and riveted. The belt loop is a separate piece and also riveted on.
Will adjust pattern and make a master with rivet holes located. Hope to start production soon.
So, what do you guys think?!!!
All input / sugestions welcomed and encouraged.

subset: commoncrawl


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I'm sure I'm now the only one who have always had problems when choosing or working with payment processing service. There's always a problem with them - bugs, ridiculous policies, too high rates, etc. So I thought it might be good to share some of my experience.
PayPal appears to be the most popular and although it had its issues some years ago, now I think it's probably the best choice. Frankly this is the one I recommend to all my clients. Easy to integrate, support various payment options, low rates. A major downside is the inability to test with your account, you need to go with their sandbox. Don't get me wrong - PayPal isn't brilliant at all, but it's "least bad" of all I've worked with.
2checkout is also good, although their admin interface is hard to work with and has some bugs. Their rates are higher than PayPal's, but still bearable. I use them for 8 years and I can say they're good. Beware though - they don't allow dating sites, and there are many other restrictions as well - make sure you read their policy for allowed sites.
Authorize.net is also fine, although I'm not sure if they supported the recurring billing - but I guess they do, it's a must for many sites today.
I'm not what was the case with Worldpay's fees, but I've noticed there's too much bureaucracy with them - they have too many rules to comply with. But in general they're fine too.
We've also worked a lot with the British provider SagePay (former Protx). It takes some time to learn how they work, but once you do it, they're fine. And I think their rates are good too.
I've worked with other providers too, but there are always issues with them. Not that I hadn't had any with the above, but still, when a client is to choose a payment processor, I always recommend ones we've worked with, rather than ones we've never heard of.
When you choose a provider, make sure they have a good support! There ALWAYS ARE technical issues, well, unless you're having a very simple payment - i.e. no recurring, no payment notification. So there must be someone to answer your questions.
Oh, I forgot one of the most popular ones, and my greatest disappointment - Google Checkout. Google always do things right - their search engine is brilliant, their maps revolutionized Internet, the translator does an excellent job, so I thought their payment service would be good as well. It wasn't. It's the one of the most difficult processors we've ever worked with. So I'd stay away from Google Checkout, until they improve it.
And finally - be very careful if your site has adult content! Finding one is truly a mission impossible! The good ones are quite high (10% or higher commission), and almost all of the above (if not all) disallow adult sites. And which is worse - sometimes they let you use their service for a while and then they suddenly say you violate their terms and block your account. I'm not sure what happens to the money you've collected but the block itself is a pain if you have members paying and you can't take their money until you integrate a new payment service. I guess it's not their fault - simply they have no time to review all new sites at once, they do it over time, and the moment they find something wrong, ban you.
Some of them doesn't make it quite obvious they don't accept adult sites, so please make sure that you read every piece of their policies, and to be on the safe site - ask them directly.
There are other things to observe when choosing a payment gateway - such as how often they pay you, what currency they accept, etc.. Also there are other populars I haven't mentioned here - such as Moneybookers (I checked them some time ago but I gave up for some reason, I don't remember why). So the above is NOT a review or anything - it's just sharing my personal experience with these services.
I hope this has helped, and I'll appreciate any corrections or additions to the above, as well as your own experience.
Try Stripe?http://net.tutsplus.com/tutorials/other/so-you-want-to-accept-credit-cards-online/
Tho...at the moment it is currently US only. Can accept payment from outside the US of course.
The only drawback is that Stripe is currently unavailable outside of the United States. (Note: Stripe DOES accept credit cards from overseas; it's just that you can't sign up for a Stripe account outside of the U.S.) They're working on expanding to other countries.
I guess few people prefer Pay Junction over paypal because of various reasons. Although paypal is quite famous, pay junction offers better customer support and a flexible reseller and merchant pricing. Another important aspect of pay junction is that the pricing package is a consolidated single package and there are no hassles of upgrading or purchasing additional services.
I've just been using Paypal and Authorize.net as of late. Both have been fine for what I'm doing. Authorize.net does do recurring billing, but there is an additional fee included per month.
I am using paypal and quite happy with the services. I am running my two sites and using paypal for all my transactions.
PayPal has been the best so far for us. No other merchant has been able to to offer a Multi-Currency acceptance and settlement in one account package.
They provide clear published rates with price breaks and once you go over a certain transaction threshold you get an account manager and negotiated rates.
80% of our customers also pay with a PayPal account.
Paypal, Google Wallet and 2checkout (over $200 monthly) are your cheapest options. If they accept you that is.
Currently we are offering our clients to pay with Paypal and 2checkout. At the beginning, when we were trying to find the best payment processing companies that did business in Canada, which was already a bit hard if you don't pick up the most common ones, but we ended up using the simplest and most easily implantable modules like Paypal's. We used to have InternetSecure and Elavon (through internetsecure) but dealing with them was usually a bad experience. I would not recommend them.
Telling someone which payment processor they should use is a bit tricky since there are so many that I haven't tried yet. I guess telling you which not to take might be more useful. Don't do business with InternetSecure or Elavon, really. If you have a problem and need their help, you will not be able to get any kind of useful assistance from them.
Another important thing would be to know if you plan on installing a payment gateway on your site or not. If you do, then from my experience you are going to get more chargebacks and trouble dealing with the company that provides it. But I'm sure that is hasn't been the case for other people.
PayPal may be the most beneficial to date for people like us. Simply no additional merchant may be capable of to supply any Multi Currency popularity and also relief available as one accounts bundle.I am using PayPal and quite happy with the services.
Although there are many payment processor available, we are happy with paypal not to mention it is accessible to major cities world wide.


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text: Facebook, Twitter, Gmail, Paypal, investment accounts, frequent flier miles, LexisNexis access — consumers today take advantage of a wealth of online services across a broad swath of industries. But what happens to all those accounts, filled with photos, memories, insights and money, after a person dies? The issue is doubly important for services like Paypal or online bank accounts that contain actual cash assets, but families can gain real or emotional value from the non-monied contents of Facebook or email …Read More Leave a Comment


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By Chris Harris
Don't expect Arsène Wenger to swoop for a new goalkeeper when the transfer window opens next month.
The Arsenal manager was linked with a number of stoppers in the summer – including Saturday's opponent Mark Schwarzer - but his faith in his current stable of keepers has been rewarded in recent months.
Lukasz Fabianski has staked his claim with a string of impressive performances since Manuel Almunia injured his elbow and Wojciech Szczesny has yet to concede a goal in 270 minutes of first-team action.
That's why Wenger sees no need to sign reinforcements in January.
"No, I came out already on that," he said.
"That [Almunia's injury] will not be for a long time, we have Szczesny coming up very quickly and we have Fabianski who has proven in the last two months that he has the quality.
"At the moment we are not on the market."
Schwarzer was heavily linked with a move to Arsenal during the last transfer windown and is expected to line up at Emirates Stadium on Saturday just days after signing a new contract with Fulham.
"I can understand that decision," said Wenger. "At his age a two-year contract is a great deal for him and it shows great confidence of the club for him. I don't have a problem with that.
"It is important that we focus on our players and the squad we have. I am pleased for him [Schwarzer] that he got an extension to his contract but all the rest is history that has to be a little bit discreet."
Saturday is Arsenal's charity matchday of the season. Click here for full details.Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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Sonar search of Lake Billy Chinook unsuccessful
Searchers will continue to scan water for Madras man's body
CULVER, Ore. - A special side-scan sonar system resumed its search at Lake Billy Chinook Saturday afternoon but did not find the body of a Madras farmer who apparently drowned trying to save his fatally injured son after a boating accident on Thursday.
Jefferson County Sheriff Jim Adkins said repairs to the partly severed electrical cord that attaches a torpedo-shaped sonar device to the Klamath County boat took longer than expected, and it was back in the water around 12:30 p.m., trying to find Gene Harris, 73.
Late Saturday afternoon, Adkins said the search was being suspended, in terms of use of the sonar gear, but that the search on the surface will continue for the next few weeks, in hopes of finding Harris.
The special sonar unit was only put into use for about an hour on Friday before the problem arose, involving a horizontal cable that extends from the dock at the water-skiing course on the lake west of Culver.
Adkins said the search was especially close to home for many members of the community who know the family.
"Mark just got married in November," said Adkins. "His wife works in the DA's office, so I knew her really well. When you have to do a death notification to someone that close, it is very difficult."
The Klamath County Sheriff's Office boat and crew arrived Friday morning to aid in the search with their 5-foot-long sonar device, called a "torpedo" due to its shape, which is towed behind the boat and used to search deep into the lake, to its bottom.
A horizontal cable that extends from the dock "probably a half mile" for the water ski course, tying the ski buoys together, damaged the cord that powers the sonar unit, Adkins said.
"We didn't know there was a horizontal cable" in the water, the sheriff said, adding that the ski course operators would be removing about half of it so the search in that area can continue safely. A technician was en route from Klamath Falls to repair the cord.
The body of Mark Harris, 37, was recovered from the water shortly after the incident, reported around 11 a.m. Thursday on the Crooked River arm of the lake at Cove Palisades State Park, just above the bridge over the Crooked River, Adkins said.
An extensive search quickly began -- at first near the water's surface, then with divers from Deschutes County Sheriff's Search and Rescue -- for the father's body.
"I already warned Monica, that's the wife of Gene, I already warned her that this could drag on for a very long period of time," Adkins said. "And that's hard for a wife to take you know? You want closure but sometimes you just can't provide it."
The sonar device from Klamath County helped find Robert Neil Whitson, 53, a Redmond fisherman who also died in Lake Billy Chinook in July of 2009. His body was recovered 19 days after he went missing.
A man who saw part of the accident returned Friday to help searchers guide the sonar boat to the best area to search.
The sheriff said Harris's son, who was water skiing, was wearing a mini-wet suit but not a life jacket when his body was found with head and leg injuries. Adkins said they were as yet unsure if he died of those injuries or drowned.
Murky water kept crews busy and created challenges Thursday as they searched for any sign of Gene Harris's body.
Adkins said the farming father and son had traveled to the lake to get in some water skiing before they went to work, and that the son apparently was struck by either the boat or a ski after he fell into the water.
"Unfortunately, the visual depth of the water, it's maybe four or five feet deep," said sheriff's Det. Starla Green. "We can't see very far, because the water is so murky at this point."
Crews kept other boats away from the ski area, pushing them back and closing it off to the public.
For many people who were looking for a relaxing day on the lake, it was a reminder for them to be extra careful and remember the dangers the water can hold.
"The park ranger came up and told us to be really careful today because there was two fatalities," said visitor Becky Heinrick. "It's something that you definitely don't like to see."
And for police, who have seen these types of tragic situations in the past, they have a reminder for others who get in the water.
"Make sure you have a minimum of three people on your boat, one for a spotter and one for an operator," Green said. "That's basically the requirements for this body of water, is making sure you have three people in a boat at all times."
Authorities were interviewing witnesses to piece together what occurred. Adkins, who knew the two men personally, said he did not believe alcohol was involved in the tragedy.
Adkins said no one reported seeing where Mark Harris was skiing, but a witness reported seeing the father jump in the lake and his head bobbed up before disappearing.
The depth of water in the area being searched was not immediately known, but Adkins said the popular boating lake west of Culver is 110 feet deep at its deepest point. The divers were prepared to go about 50 feet down in their recovery effort, the sheriff added.
Adkins said the search effort was wrapping up for the night around 6 p.m. He said they would be back out searching the water on Friday morning, awaiting the sonar unit that will assist in the recovery effort.
The sheriff said the family had been notified and advised it could be a lengthy process.
Adkins said searchers ran a camera back and forth across the lake, looking for a sight to dive.
The sheriff's office had four rescue boats searching in the water Thursday, while Warm Springs tribal police and the state Parks and Recreation Department each also had a boat assisting in what was being called a recovery effort.


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text:
Cathryn Hunt is insatiable and compulsive.
That's what Prader-Willi syndrome does to a person. It is a genetic disorder of the 15th chromosome that, among its many impacts, causes learning disabilities and a hunger that never subsides, often leading to morbid obesity in those who have it.
Hunt, a Judge Memorial senior, regulates this a couple of ways.
First, she regulates intake and eats the same breakfast and lunch every day. She starts each day with a protein shake, a protein bar, Cream of Wheat and an apple. For lunch, she eats another apple, some meat and cheese, a sugar-free pudding and a V8 juice.
The second thing she does: sports. "She's a bit of a sports nut," her mother, Caryn Hunt, said. "She'll watch any sport, any time. She loves any competition in sports. But basketball is really her love."
After acting as the Bulldogs' manager her freshman and sophomore years, Hunt made the team as a junior. Again, her compulsiveness showed itself.
"She'll sit there and shoot and shoot and shoot," her mother said. "Subsequently, she's gotten quite good at it."
A 3-point shot is what Judge coach Anthony Alford wanted for Hunt Thursday against Union, the Bulldogs' senior night. He started the seldom-used bench player, and the Union defenders gave her space behind the arc.
But Hunt, the player who leads her team out of the locker room before each game and leads them again in prayer after each one, fired up a miss and then another.
"If she can just get one," her mother thought as she watched, "I would be so happy."
The girl's third shot from distance was true, and she took in the crowd's cheers as she returned to her teammates' congratulations on the bench.
The Bulldog lead grew over the next three and a half quarters. So with room to breathe, Alford again looked to Hunt - and Hunt looked for her shot.
One, two, three, four of her next five attempts tickled twine. In total, she finished with 15 points on 5 of 8 from long range.
"She just kept drilling them," Caryn Hunt said about her daughter. "It was really amazing."
The cheers from the crowd grew and grew and grew.
"They were going wild," said Cathryn, the night's star.
Slow, steady
Riverton held the nation's No. 1 boys' basketball team to well below its average.
The Silverwolves limited Lone Peak's offensive attempts by using a time-eating stall that had some wishing for a shot clock.
But the tactic did not keep the Knights from a win. Riverton trailed 12-0 after one quarter. The Silverwolves hit just six 3-pointers, seven free throws, and a single 2-point field goal over the next three periods.
The final score: 46-27.
Moving on up
South Sevier's Race Parsons has moved into eighth place on the list of Utah's all-time scoring leaders. The Rams senior scored 27 in a win Friday. He now has 1,935 career points.
Bear River guard Wade Miller was on fire Friday night.
The senior nailed six 3-pointers and scored 38 points to pass the 1,100-point mark for his high school career. Unfortunately for him, the Bears couldn't get the win.
Morgan's Jake Miles dropped 29 one of four Trojans in double-figures to lead his team to an 82-81 win. Morgan is now 17-2 overall and 10-0 in region this season.
Twitter: @aaronfalk


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Search Results
Keywords: Women's Education
Historical Items Showing 3 of 255 View All
Item 10132
Women's Library Club, Lovell, ca. 1930
Contributed by: Lovell Historical Society
Date: circa 1930
Location: Lovell
Media: Photographic print
Item 9978
Women's Library Club, Lovell, 1950
Contributed by: Lovell Historical Society
Date: 1950-08-23
Location: Lovell
Media: Photoprint
Item 29179
Westbrook Seminary students, ca. 1855
Contributed by: Abplanalp Library, UNE
Date: circa 1855
Location: Westbrook; Portland; Portland
Media: tintype
Exhibits Showing 3 of 42 View All
Westbrook Seminary: Educating Women
Westbrook Seminary, built on Stevens Plain in 1831, was founded to educate young men and young women. Seminaries traditionally were a form of advanced secondary education. Westbrook Seminary served an important function in admitting women students, for whom education was less available in the early and mid nineteenth century.
Women at the turn of the 20th century were increasingly involved in paid work outside the home. For wage-earning women in the Old Port section of Portland, the jobs ranged from canning fish and vegetables to setting type. A study done in 1907 found many women did not earn living wages.
When America entered the Great War in 1917, the government sent out pleas for help from American women, many of whom responded at the battle front and on the home front.
Sites Showing 3 of 38 View All
Swan's Island: Six miles east of ordinary
A look back at island life in Maine as captured by a team consisting of Swan's Island Educational Society representatives, which encompasses the community's library and historical society, a class from the Swan's Island School, and an Island Fellow from the Island Institute. Exhibit topics examine islanders at work and play, Baird's Quarry, old buildings, and the changing role of women on the island.
A history of the easternmost town in Maine as created by the Lubec Historical Society, Lubec Consolidated School, Lubec Landmarks, and Lubec Memorial Library. Exhibits include the sardine and herring industries, the Sardine Queen, the West Quoddy Head Lighthouse, the 1911 Centennial Celebration, the S. S. Cumberland Steamer, the gold hoax, an important community quilt, a tragic boating accident, and the blizzard of 1934, among others.
View collections, facts, and contact information for this Contributing Partner.
My Maine Stories Showing 2 of 2 View All
Learning to fly and instructing cadets at West Point during WWII
by Vera Cleaves
West Point during World War II
My father, Earle Ahlquist, served during World War II
by Earlene Chadbourne
Earle Ahlquist used his Maine common sense during his Marine service and to survive Iwo Jima


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Note: This message is displayed if (1) your browser is not standards-compliant or (2) you have you disabled CSS. Read our Policies for more information.
What is the current mandated in-service training for police officers?
How can I attend the Academy's Basic Course?
Do I have to attend the Academy if I graduated from an Academy in another state?
Can I get a waiver from basic training if I graduated from a reserve academy?
What is the current process for instructor recertification?
What agencies are L.E.T.B. - certified to conduct Instructor Development courses?
How many hours of training conducted by an L.E.T.B. - certified instructor can be used toward the instructor's mandated inservice training?
Can I attend an In-Service class if I am an out of State Police Officer?
What are the Academy's In-Service Training Requirements?
What is the qualification course for Patrol Rifle Instructor?
What is the Qualification Handgun Course?
How many hours do I get to claim towards my in-service yearly requirement
for the new online recertification for breath test operator?
Mental Illness, Addiction & Disabilities** IC 5-2-1-9(g)
Autism, Alzheimer's, Dementia and IC 5-2-1-9(g)
Endangered Adults*
Human Trafficking (8 areas)* and ** IC 5-2-1-9(g) & IC 5-2-1-9(a)(10)
Annual In-service Training Requirement IC 5-2-1-9(g)
Presently 24 hours annually – must include 2 hours in Firearms*, 2 hours in Physical Tactics/Use of Force*** and 2 hours in Police Vehicle Operation.
Reserve Officers IC 5-2-1-9(g) & IC 36-8-3-20(1)
Same in-service as required of regular police officers. (Order of LETB 6/8/15)
Officers should receive some training in all of the IC 5-2-1-9 requirements each year.
The areas specifically required in IC 5-2-1-9 can be used to partially satisfy the 24-hour requirement.
Under state/county/local continuing education laws:
Domestic and Child Abuses, SIDS, CPR and Heimlich Maneuver, and others
State: IC 5-2-8-5(e)(1-17); County: IC 5-2-8-1(h)(1-18); Local: IC 5-2-8-2(f)(1-18)
Departments should be prepared to show that officers are competent in these areas although these do not necessarily require annual training.
Federal :
NIMS (DHS, required for DHS grants)
Bloodborne Pathogens (EPA, 29 CFR 1910.1030)
Hazardous Materials (EPA & OSHA, 29 CFR 1910.120)
Familiarization with Reflective Clothing Rule (DOT 23, CFR 634)
*Training now available through ILEA website.
**DVD available for purchase through ILEA Quartermaster.
***DVD available for rental through ILEA Learning Resource Center.
You must be hired by a police department. They will send you to the Academy for basic training. This training must be completed within one year from the date you become a sworn, paid police officer, otherwise you will lose your arrest powers.
If you graduated from a police academy in another state, were certified as a police officer, and worked as a paid police officer for at least one year, you may be able to obtain a waiver of basic training. Once you are hired as an officer in Indiana, that police department would then apply on your behalf.
Any person trained out-of-state who is hired by an Indiana law enforcement agency must complete a Law Enforcement Training Board-certified 40-hour Pre-basic Course before that person is empowered to make an arrest, conduct a search or seizure, or carry a handgun without a permit.
Completion of a certified Pre-basic Course allows a person to function as a police officer for one year from the date of appointment, while awaiting enrollment in a full 600-hour basic training course or while completing the requirements for a waiver of basic training.
Completion of the waiver process takes about three months, including a total of six non-consecutive days of exams at the Indiana Law Enforcement Academy. Failure to complete the process before the first anniversary date as a sworn Indiana officer results in the loss of police powers.
A graduate of an LETB approved Reserve Officer Academy may be eligible for a waiver of the Tier II (Town Marshal) Basic Training Course if hired by a Tier II agency.
Click Here to learn more about the Waiver Process.
- Document twelve hours of instruction per year, thirty six hours over three years (See Documenting Instructional Hours)
- Complete an Instructor Application
- Submit both documents to the Executive Director, Law Enforcement Training Board
- There is no grace period for instructor re-certifications.
- Document twelve hours of instruction per year in each psychomotor skill possessed (ex. EVO and Firearms Instructor would require twenty-four hours per year or seventy-two hours over three years)
- Complete an Instructor Application
- Submit both documents to the Executive Director, Law Enforcement Training Board
- There is no grace period for instructor re-certifications.
- Document twelve hours of training per year, thirty six hours over three years
- Complete an Instructor Application
- Submit both documents to the Executive Director, Law Enforcement Training Board
- There is no grace period for instructor re-certifications.
- Document twelve hours of training per year, thirty-six hours over three years
- Document the evaluation of at least three programs or instructors per year, these hours can count towards the instructional hour requirement
- Complete an Instructor Application
- Submit all documentation to the Executive Director, Law Enforcement Training Board
- Must renew certification yearly
- There is no instructor card or certificate issued, validation is by letter
Those agencies authorized to provide an LETB Certified Instructor Development Course are:
LETB certified Basic Academies/Staff
- Indiana Law Enforcement Academy at Plainfield
- Northwest Indiana Law Enforcement Basic Training Academy
- Indiana University Bloomington Law Enforcement Basic Training Academy
- Indianapolis Metropolitan Police Department Basic Training Academy
- Fort Wayne Police Department Basic Training Academy
- Indiana State Police Basic Training Academy
- Southwest Indiana Law Enforcement Training Academy, Evansville
LETB Certified Training Councils
- Southwest Indiana Law Enforcement Training Council (Jasper area)
- Central Indiana Law Enforcement Training Council (Plainfield/Indianapolis area)
- North Central Indiana Law Enforcement Training Council (Grissom AFB)
- Northwest Indiana Law Enforcement Training Council (Gary area)
- Northeast Indiana Law Enforcement Training Council (Elkhart/Ligonier area)
- South Central Indiana Law Enforcement Training Council (Dearborn County area)
These sites or their staff, who have met the educational requirements, are the only agencies authorized by the LETB to provide a certified Instructor Development Program.
Instructors may use no more than four (4) hours of their instructional time to count towards their in-service requirement of twenty four (24) hours.
The Indiana Law Enforcement Academy will permit Full time out of State Police Officers to attend in-service classes if there are openings left in the class. Each class has a limit on how many students may attend the class. If a slot is available you will be notified no earlier than 30 days before class begins. Contact the Academy Registrar for additional information.
Beginning in 2009, to be reported in 2010, the annual in-service training requirement will be changed to the following:
- The minimum number of hours will be raised to 24 hours.
- At a minimum, two (2) of these hours must be in the subject of firearms.
- At a minimum, two (2) of these hours must be in the subject of physical tactics and the use of force.
- At a minimum, two (2) of these hours must be in the subject of police vehicle operation.
This does not change the other mandated requirements that are separate from the rules in 250 IAC 2-7. Keep your eyes on the website for more details.
On April 21, 2008 the law Enforcement Training Board passed a new 120-hour refresher course that complies with the new statutory language (see House Bill 1105), which became effective March 24, 2008.
If you are hiring an officer that has been out of law enforcement for more than two years, please contact the Executive Director in writing to determine what the refresher requirements will be.
The following information will be needed in order to determine the refresher requirements:
- Last date the officer worked in law enforcement and the title of that position.
- Position you have hired, or are considering hiring the officer for (example: upper level policy maker, line position, etc.).
- Previous number of years the officer served in a law enforcement position.
The Department of Toxicology has determined that two (2) hours is adequate time to complete the training. An officer who successfully completes the training may claim two (2) hours towards their mandated twenty four (24) hour yearly requirement.


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Information For...
HJ. Food Service- Levelland CampusKINDS OF SERVICE
South Plains College provides a full service cafeteria-style food service and snack bar managed by Great Western Dining, Inc. The Texan Hall Cafeteria is primarily provided for boarding students; however, commuting students and college employees are also encouraged to utilize the service.
The cafeteria features a salad bar, soup and sandwich bar, full menu bar, as well as desserts and drinks.
Faculty and staff may eat in the cafeteria on a cash ala carte basis or special meal card plan.
A special events coordinator is on staff at Great Western Dining Inc,. and is responsible for scheduling all events on campus involving use of facilities, food service, housing and special technical assistance.Both on campus and off campus groups may call the special events coordinator (ext. 2395) for scheduling.


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Look your best with facial makeup from Lonzada
You know you're a natural beauty, but there are some special nights when you want to accentuate your everyday skin tone. Maybe you're going dancing for your anniversary, getting drinks for your birthday or having a candlelit dinner just because. On these special occasions, use the right facial makeup to ensure you look your best. Here at Lonzada you can find foundation, blush and more from name brands like Revlon and New York Color. Find just the right makeup to achieve any look you want, from flawless and professional to sexy and provocative.
Start with a foundation and concealer that even out your skin tone. If your skin is pale in some spots and red in others, Almay foundation is just the thing to give your complexion a radiant, glowing appearance. If you have unsightly blotches or blemishes, like pimples or small scars, apply some CoverGirl or L'Oreal concealer to mask them for a big night out. Remember that your foundation and concealer should match your skin tone and complement your hair color, and keep that in mind when choosing your hair care products.
Next, you'll want to add tasteful touches of blush and bronzer to improve your general color. A good blush, such as those from Maybelline New York, will add soft peach and pink tones to your skin to bring out the color in your cheeks. Milani bronzer will give you the sun-kissed look of having spent the day at the beach while you avoid harmful UV rays from lying out in the hot sun. Apply these beauty essentials before putting on your lipstick and look at yourself in the mirror. You should see a more colorful, subtly beautiful face looking back at you.
At the end of a long night on the town, washing your face is usually the last thing you want to do. You know you shouldn't sleep in your makeup, because all those pigments can block your pores and wreak havoc on your complexion. Luckily, you can remove that makeup in no time with a good Elf makeup remover. These convenient beauty accessories typically come in the form of a cleansing cloth or towelette. All you have to do to remove your water-resistant face or eye makeup is take out a cloth and gently rub the makeup away for fresh, clean skin that's ready to hit the pillow.
Here at Lonzada you can find a wide range of facial makeup from name brands like Physicians Formula and Rimmel. Shop for the face makeup you need for a stunning look for all your special occasions.


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Foundation Learning
Foundation Learning is a new national programme for local young people. In partnership with Springboard Islington, the Arsenal Foundation Learning programme has been running a year and half in Islington. The programme formally known as E2E (Entry 2 Employment) is open to young people aged 16-19 and for people up to age 24 with learning difficulties and/or disabilities.
The programme enables young people take part in learning that supports them in achieving qualifications and progress to positive destinations both at work and life. Springboard offers learners a personalised curriculum that enables them to undertake the mix of qualifications and activities which are most appropriate for their individual needs. All learners have access to a comprehensive range of learning and development opportunities that include:
- Vocational training e.g. NVQ Level 2 in Activity Leadership
- Functional Skills in English, Mathematics and ICT
- Employability and personal development
The course is delivered full time at Springboard Islington with twice weekly sports sessions at the club with a view to helping delivery on some of Arsenal in the Communities local sports programmes. Personal football development training to improve the individuals own skills alongside participating in a football team that's entered in a weekly college football league (British Colleges Sport) is another opportunity for all participants.
For more information, contact Dean Miller on email@example.com.
Sport and Learning
This is a unique project that offers a full time alternative to mainstream education for students in Years 10 & 11 that have been, or are at risk of being excluded from mainstream education.
Using sport as the initial route for engagement, pupils are introduced to a range of academic and sporting qualifications including GCSEs, Sport Leaders Awards and ICT qualifications.
Our partners in this project are Springboard Islington Trust and Cambridge Education @ Islington.
Copyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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Hi Lucy,
I am new to this forum and I really need your advice.
I have a student that I teach privately at my own school. I teach him for 90 minutes twice a month and have been doing so for about 6 months. This is a one on one lesson. He is in his mid 40s and has been learning English for more than 20 years. He is a Japanese business man who needs to use english when speaking with his French boss and clients in other Asian countries. Though he says he does not want to learn business English.
Now for the problem! He says that he wants to use the level English he knows in a confident and speedy way. His actual words were that he wants to 'speak to the English level of Japanese Junior high school students text.' He has a good understanding of English and I would say he was intermediate to high intermediate level. He wants an output lesson and though I have tried several things such as newspaper articles, texts, pictures, targeted questions, topic discussion and others he wont speak so much. He is not happy has has real problems expressing what he wants to say. We are going to start on translating japanese sentences and dialogues from my Japanese study books into English. I really dont think that this is the best way but it seems to be the only thing that we have done that he seems slighty happy with. He wants me to 'show him the way and the best method.'
I have never incountered this situation before and am at a loss on how to best give him what he wants. Surely every student can be taught how to express their thoughts in another language.
Yours hopefully,


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Arsène Wenger has made one change to the Arsenal side that drew against Schalke in Gelsenkirchen on Tuesday.
Francis Coquelin deputises for the suspended Jack Wilshere, while Laurent Koscielny and Per Mertesacker continue at the heart of defence and Olivier Giroud, fresh from his goal at Veltins-Arena, leads the attack.
Elsewhere, Wojciech Szczesny is named on the bench as he continues his rehabilitation from injury, and Alex Oxlade-Chamberlain and Aaron Ramsey are also named in the squad.
Arsenal team: Mannone, Sagna, Koscielny, Mertesacker, Vermaelen, Coquelin, Arteta, Cazorla, Walcott, Podolski, Giroud; Subs: Szczesny, Jenkinson, Santos, Ramsey, Oxlade-Chamberlain, Arshavin, ChamakhCopyright 2017 The Arsenal Football Club plc. Permission to use quotations from this article is granted subject to appropriate credit being given to www.arsenal.com as the source


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We are pleased to announce that WorldAlmanacForKids.com is now available as The World Almanac® for Kids Online, an entertaining, subscription-based reference site for librarians, teachers, and educators. For individuals wishing to gain access, please contact your local library or school for subscription access; libraries and schools can subscribe to The World Almanac® for Kids Online by calling 1-800-322-8755 or emailing firstname.lastname@example.com.
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• Complements the curriculum with grade-appropriate topics
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Classic Fit Wool Mohair Part-canvas Tuxedo
Size Guide
Use the Size Guide to choose the best fit for your measurements.
In this window, you can find out the shipping and returns options for the selected item.
In this window, you can contact customer service for further assistance.
- A classic fit wool and mohair blend tuxedo with notch satin lapels.
- The jacket has a part-canvas construction. With a layer of natural horsehair at the chest, the canvassing moulds to the cut of the jacket, creating a light handle and a clean silhouette.
- The trousers have a concealed button, hook-and-bar and zip closure and unfinished hems.
- 71% wool, 29% mohair
- Specialist dry clean
- Made in Italy
- Trouser hems and jacket sleeves can be altered using our in-store service. Please see FAQs for details.
Item 39207791
Recommended Products


text:
Sidney, BC, Canada < change city >
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The Vancouver Golf Club
771 Austin Avenue
Coquitlam, BC V3J 7A2, Canada
Reception Sites, Ceremony & Reception, Ceremony & Reception
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Exchange your vows on our patio overlooking the manicured greens and fairways of the Vancouver Golf Club. Treat your guests to Executive Chef Andy Chongs delectable creations. There is no better back drop for your special day. Our floor to ceiling windows and a grand fireplace requires little to no decorations for an elegant one of a kind wedding.
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BAKEPHOTOGRAPHY is Melissa Baker. A Vancouver and Sunshine Coast based Wedding, Family, and Event Photographer. Contact us toda...
Nichè Event Stylists
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Langley Officiant
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Taylor Roades Photography
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Proline Trading
Greenall Avenue
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PHOTOS: Indians workouts from Goodyear
(GOODYEAR, Ariz.) – The Cleveland Indians have been preparing for the 2014 season at spring training for over a week already and in just a few days they'll open up their Cactus League exhibition schedule against the Cincinnati Reds at Goodyear Ballpark.
Full squad workouts began on Monday, Feb. 17 for the Tribe. Check out some of the Indians latest workouts at the club's player development complex with some exclusive photos.
Gallery below:
Asrubal Cabrera walks off a practice field in Goodyear following infield drills. Right behind him are utility man Mike Aviles and 3B Lonnie Chisenhall. (Photo courtesy Nick Camino)
Yan Gomes (closest) and DH Jason Giambi take a break from the action to watch the Indians wrap up one of their first full squad workouts this week. (Photo courtesy Nick Camino)
Indians right-hander Zach McAllister trots off the diamond following a "PFP" drill in Goodyear, Arizona. He's having a laugh with some of the other pitchers not pictured. (Photo courtesy Nick Camino)
One of the "Goon Squad" members! That's utility man Ryan Raburn following a round in the cage during batting practice at the club's player development complex in Goodyear, AZ. Those airplanes in the background? Well, that's an airplane graveyard. (Photo courtesy Nick Camino)
The competition at third base will be interesting all spring long. Do the Indians go with Carlos Santana who is transitioning from catcher? Or, give Lonnie Chisenhall another chance? We'll find out in the coming weeks. (Photo courtesy Nick Camino)
New Tribe outfielder David Murphy waiting to take BP in Goodyear. He was one of the Indians big off-season aquisitions and is looking forward to a bounce-back season after a rough year with the Texas Rangers. (Photo courtesy Nick Camino)


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Hey guys,
My buddies and I are Ranger instructors up at Camp Merrill in Dahlonega, Northern Georgia. A good percentage of us are avid outdoorsmen and love to get out and hunt. I have hunted waterfowl back home and a few more of us have hunted waterfowl in a few places we have been stationed. But so far, all of us have struck out in trying to find some place to duck hunt in the local area. Can someone please help us out with SOMEWHERE, ANYWHERE to get on some birds. We aren't looking for a honey hole or anything, just some place we can get out and call some birds down. Thanks for the help ahead of time guys.


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Indiana Scholar Corp Program
The Commission for Higher Education received a grant from the Office of Faith Based and Community Initiatives with the purpose of assisting with college completion for 21st Century Scholars.This grant now funds a new program called Indiana Scholar Corp for Twenty-First Century Scholar college students. The program is overseen by an AmeriCorps member with four main objectives for the program.
- Academic Performance and Persistence resulting in increased GPA and on-time completion rates
- Student Engagement and Enrichment resulting in increased student persistence and retention rates
- Career Exploration and Enrichment resulting in increasing student perception of career preparedness
- Financial Literacy and Debt Management resulting in reduced debt load and federal student loan default rates
Resources are not limited to free tutoring, supplemental instruction, TfCS student organization, volunteer campus and community activities, and career development.


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Product Reference: 34806
Hold your phone safely and legally in your car
The car pack holder lets you store your HTC One Xin your car in a number of different ways. The holder is designed so that it can be adjusted to suit you in the car. There are 3 main joints which allow you to turn the neo into a position most comfortable for you.
Holder rotates through 360°
The first is a 360 degree bracket which allows you to turn the neo from the upright position to on its side. The other joints allow you to turn the holder so the neo is positioned so you can view it safely and legally.
The holder also includes a car charger which is designed to work specifically with the HTC One X so you can ensure that your neo is always fully charged whilst you are on a journey.


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School was in session for the Heart of Kentucky Realtors luncehon Sept. 5 when the Radcliff Woman's Club provided the meal and decorated the room in an educational theme.
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>Health and Nutrition>Take this cold and shove it!
Princess Cancer Pants
• Chemo
• Chemo-Radiation
• Surgery
• Return to kicking my own ass by 2018
So last night I thought it might be a good idea to take some NyQuil before bed...the generic stuff that still has Pseudophedrine in it. BIG mistake. I was like this until about 4AM -->
Maybe we can form a nasal irrigation user group (ahaha.. just kidding).
I haven't been training hard at all, so I don't *think* I'm experiencing that immune suppression thing. I think it's maybe more weather-related, since a few other people I've talked to said they have been dealing with chronic sinus and throat issues for the past few weeks.
I think I should look for the reformulated NyQuil if you've had luck with it....
..have you ever tried Thera Flu...most of the time it works for me and its nice and hot and sooths the throat.
And when I say I like NyQuil, I just mean that it helps me sleep (or at least it helps me pass out.. I'm not sure if it's sleep or just a coma). It doesn't make me better...
Hope you feel better very soon!
Keep us posted on how it works for you guys! Maybe we can form a nasal irrigation user group (ahaha.. just kidding).
I found with my last cold that some good tequila (the sipping kind, not what you'd throw in a margarita) works well too.
2) the side that is giving me pains was definitely harder to irrigate indicating (to me anyhow) that indeed the sinus on that side was definitely more packed
3) it seems I've managed to loosen things up (pressure gone) though now it feels like I have to blow my nose a lot.
Unfortunately it's feeling like the HPA (high pollution advisory) moved in early as now I'm wheezy with asthma.


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The Forecast in the Streets
In the "severe" scenario, the globe warms by 2.6 °C by 2040 and sea level rises about a half a meter. Scientists in 2040 conclude that the eventual collapse of Greenland and the West Antarctic ice sheets has become inevitable in the centuries that follow. Agricultural production declines in the arid subtropics and in increasingly flooded river deltas. Again to pick a random example from the report: the river systems in the American Southwest collapse, leading to impoverishment of Northern Mexico and increased migration pressure in the U.S. Resource stress in Latin American leads to a tendency toward populist, Chavez-type governments, and more extensive regions of de facto anarchy such as found today in parts of Colombia.
The "catastrophic" scenario assumes positive feedbacks in the carbon cycle to warm the planet by 5.6 °C by the year 2100, and sea level has risen by 2 meters. I feel compelled to note that if this is supposed to be a worst-case scenario, I personally can imagine worse in terms of sea level rise. In the social realm the crystal ball gets murkier as the report progresses from expected to severe to catastrophic, but one important ingredient in the prognosis for the catastrophic scenario is the migration of millions of people, a scale unprecedented in human history, potentially enough to undermine the stability of civilized governance. One participant recommended that we check out the movie Mad Max, only imagine it hotter.
There is far too much in this report for any sort of summary really to cover, and anyway I'm a techie rather than a touchie so my retread wouldn't do the original report justice, but you get the idea. Results from the IPCC are summarized clearly, including regional climate projections, but the point is also made and discussed that climate forecasts tend to be in general conservative. In the arenas in which I have some competence to assess, the judgments the authors have made seem measured and fair to me. The report is authoritative and very meaty, bringing an astonishing array of perspectives and insights to the table. One could read this report and nothing else, and come away with a considerable expertise on the potential impacts of climate change. I highly recommend it to the readership of realclimate, and I look forward to reading your comments.
Thanks to Hank Roberts for digging this up.
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So the topic kinda got to me today and i was very interested in what other people have done that was very extreme/crazy, something you were planning or never though you would ever do in your life but did.
For me, that could be walking over hot charcoal with bare feet. I'm also planning to do bungee jumping this year and im quite interested in sky diving.
Oh, perhaps you can also add why did you do it or planned on doing it. What was your reason behind it.


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Hello Fetts et. al.,
Id like to try to scratch build a ROTJ blaster. Ive got a good line drawing I want to work from, but I need some measurements. Does anyone know the diameter of the piece with the little fins on it (the part between the chamber and barrel)?
Any other measurements would be helpful, too!


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Starting with Bank of America's disastrous plan to charge customers for using their debit cards last year, fees have become the third rail of the U.S. banking industry.
It's a prickly topic many bankers shy away from even as they hike ATM and overdraft charges to record levels and more checking accounts go from free to fee.
Almost every checking fee Bankrate.com follows went up this year, with some monthly service charges for checking accounts up 25 percent. Banks are dinging account holders 11 percent more for out-of-network withdrawals on top of what the ATM owner demands. And the average overdraft fee rose to a record $31.26, according to the financial research firm.
Consumers are pushing back. In a Bankrate poll, 72 percent of Americans said they would be more open to switching to another bank if their financial institution raised its fees on checking accounts. Citing National Credit Union Administration data, the website NerdWallet (www.nerdwallet.com )said 3 million people jumped from banks to credit unions in the year that ended in June including 76,440 Utahns.
"I was a banker 25 years ago," said Ron Burniske, chief executive of Virginia-based Chartway Federal Credit Union (www.chartway.com), which owns Tooele's HeritageWest Credit Union, SouthWest Community Credit Union in St. George and Utah Central Credit Union in Salt Lake City.
"Maybe I'm old school. But every pricing structure committee I attended was how much can we push the limits before we drive away consumer business. That didn't sit well with me. It was an eye-opening experience," Burniske said.
Bankrate's findings were just the latest salvo against the banking industry. Numerous surveys have found consumers are increasingly unhappy with what they believe are predatory and unfair fees. All the talk of unfair dealing has put banks on the defensive, especially smaller community lenders that say they have held the line on fees. In general, though, most banks agree that federal rules capping debit-card swipe fees and regulations limiting overdraft charges have drawn down revenue they need to defray their cost of providing basic banking services for close to 20 years.
"Our view has been that profits aren't a dirty word. But they have to be reasonable," said Richard Beard, CEO of Bank of American Fork (www.bankaf.com). His bank doesn't charge for checking accounts, helps customers avoid overdrawing their accounts and offers partial reimbursements to customers who use non-network ATMs. Most of the fees it collects are mortgage origination charges.
Howard Headlee, executive director of the Utah Bankers Association (www.uba.org), said Congress overreached in 2010 when it passed the Dodd-Frank Wall Street Reform and Consumer Protection Act, which included the controversial Durbin Amendment capping debit card swipe fees. The law was enacted in response to the financial crisis that helped trigger the Great Recession. When lawmakers went after big banks, they hurt community banks, too, Headlee said."
"The irony of it is these are not the banks that created the financial crisis," he said, referring to bank laws. "It creates a vicious circle, in that they pass laws that hurt traditional banks, which hurt customers,which creates more animosity, which motivates people to pass more laws to hurt traditional banks. It's a vicious circle, and it's not good for the economy."
On the other hand, it may be that banks, like the airline industry, are raising fees because their customers won't balk at paying an occasional ATM fee or overdraft charge as long as its loan rates are low, said Richard Evans, a Brigham Young University economics professor.
"One reason why banks might have moved their profit centers to fees is because consumers aren't as sensitive to prices on those kinds of 'oops, I kind of made a mistake' charge," Evans said. "That's my hypothesis."
Banks clearly are sensitive about fees. Bowing to public anger last year, Bank of America scrapped a plan to charge customers $5 to use their debit cards for purchases. So did Atlanta-based SunTrust and Regions Bank in Birmingham, Ala. Wells Fargo (www.wellsfargo.com) dropped plans to test debit card fees in five states. Even though Utah wasn't one of the five, Wells Fargo believes its fees are fair.
"Banking has changed so much in the last five or 10 years," Wells Fargo spokesman Mark Chapman said, noting that checking and savings accounts are accessible online 24 hours a day, allowing customers to make deposits, withdraw cash, transfer money and pay bills electronically via computers and mobile devices.
"It's important to note that we have many different ways that our customers can waive any kind of service fee, and the vast majority of our customers do," Chapman said.
Banks insist they have gotten a bad rap, perhaps rising out of a long-standing distrust and lack of knowledge that many Americans have about financial institutions. With four huge banks, about 50 medium-sized regional banks and close to 7,000 in the U.S., banking is highly competitive, they say. As a result, profit margins aren't fat. U.S. banks earn an average return on equity (ROE) of about 8 percent. ROE compares the profit a company generates with the money shareholders have invested.
Zions Bancorp's return on equity from running its businesses in its latest quarter was just 5 percent. Subtract income from making loans, and the profit margin Zions (www.zionsbancorporation.com) earns on banking products such as checking and savings accounts is just 2 percent, according to James Abbott, who runs the regional bank's investor relations department.
Abbott likes to contrast Zions' profit margin with that of Apple, which in its latest quarter was 33 percent. Few people gripe about Apple or other technology companies that earn hefty margins and big dollars, so why do they complain about banks? he said.
"I understand the banking industry may be viewed as making a lot of money. But there are a lot of other industries making a lot more in dollar amounts, and on a percentage basis, much higher [profit margins]," Abbott said.
Nor is there much differentiation between banks. Generally, the largest banks charge the heftiest fees. By contrast, small lenders such as Bank of American Fork say they still charge little or nothing, bankers say.
"If we charge too little or too much, we will see significant changes in our customer behavior, so we are constantly being mindful of market pricing on both the price that we pay on deposits, the rates that we charge on fees and on fees. They are all related," Abbott said.
Tired of rising bank fees?
Bankers say it's easy for most people to avoid expensive charges for basic services such as checking accounts. The key is behaving responsibly, they say.
While banks have scaled back on free checking, they have become more open to waiving fees, if you do things such as having direct deposit of your paycheck or accepting paperless bank statements.
Don't overdraw your checking account. Sign up for text or email alerts that warn you if you are about to deplete your account. Doing so should eliminate overdraft and minimum-balance fees.
Don't use ATMs that are outside your bank's network.
Don't spread your business among several banks. Lenders are more likely to waive fees if customers have checking, savings and credit card accounts at one bank.
Consider switching from more expensive interest-bearing checking accounts to noninterest-bearing accounts, which are cheaper or even free.
Consider opening an account at a credit union, where fees are lower or nonexistent.
Bank services: What they cost
A survey by financial research firm Bankrate.com released in September found free checking accounts at U.S. banks are increasingly rare.
Only 39 percent of banks offer a checking account with no minimum balance requirement and no monthly fee. That's down from 45 percent in 2011 and off substantially from the peak of 76 percent in 2009.
The average monthly maintenance fee for a noninterest-bearing checking account rose to a record high of $5.48, up 25 percent from 2011.
The average minimum balance to avoid a minimum-balance fee is $723.02, an increase of 23 percent from last year.
The fee for withdrawing cash from an out-of-network ATM reached a record $2.50, up 4 percent from last year. That cost is charged by the ATM owner and the consumer's bank.
The average overdraft charge rose to a record $31.25, up from $30.83 in 2011.


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I feel like a douchebag because I saw duby's desktop thread and walked around my house taking pictures thinking he meant your physical desktop...so, not to let my 10 minutes of effort go to waste, I'm making this thread now.
Main chill zone. In the process of repainting the dresser...hoarder status on the right since this is my "office" as well as my main gaming room. I ship a lot of stuff out of here so it's always buried in a constant rotation of this junk.
Wall on the right.
Stuff and gross TMNT recycling can.
Current Sony collection, minus collectors editions (which are above). Got that comic today, signed by one of the TMNT creators
PC steez. I tried to hide all my paraphernalia around the house to abide by the rules but I guess I missed the ash tray. Yeah that's my second Wii...third in the living room lol.
Nintendo collection in limbo until I can figure out a way to hook up multiple consoles and not explode the breaker (got a lot of stuff running up here, all on the same circuit.)
My bar...the TV the Wii is on is wall mounted across from this :]
Now you! For those of you who remember how this place used to be, I think this is the first update since I've pimped it out.