ATM fees at Bank of America savings accounts

This isn't about fees from using another banks ATM's. This is the unsound and unfair practice that Bank of America (BOA) has with their savings account customers. My account was opened with Fleet Bank in the late 1990's, and lasted until Fleet was bought by BOA in 2004.

BOA is great in New York City, since their ATM's are ubiquitous. What BOA did in the past year is very deceptive. If you use another banks ATM, you are charged a fee (usually by the other bank, and by BOA). Savings account users at BOA can now use their ATM only three times (or make three counter transactions) eah month. Use an ATM four times, and BOA starts charging you. Pretty soon, you are spending $9 a month to use your ATM six times. Take a look at the fees for yourself.

Your interest rate for a savings account is 0.2%. A $3,000 account will earn $6 a year (correct me if I'm wrong). In the meantime, you've spent $108 in ATM/counter fees (assuming you visit the bank 6 times a month).

Your best bet is to open a checking account, which gives you another lousy interest rate, but at least BOA doesn't penalize you for using an ATM.

Kiva.org Celebrates First Year of Online Microfinance

First Web Site to Let Anyone With a PayPal Account Be a "Banker to the Poor" Marks First Year With Unprecedented Success

SAN FRANCISCO, CA -- (MARKET WIRE) -- October 17, 2006 -- Kiva.org, the first person-to-person micro-lending Web site that enables an individual to finance a micro-entrepreneur in the developing world, marked its first year anniversary. Since its launch, Kiva.org has become known as "the merger between Microfinance and Web 2.0" due to its ability to create a transparent, connective and affordable option for anyone on the Internet to lend directly to the working poor. Inspired by Mohammad Yunus and Grameen Bank, Kiva's aspiration was to take microfinance online; in just one year, the organization has been widely recognized as the leader in online microfinance, has attracted a significant base of lenders, borrowers and partners, has built a staff and board of directors, and has received accolades from the press and industry leaders.

Kiva - microcredit from your computer to Africa

Microcredit is not new. It's been around in one form or another for hundreds of years. But in the Information Age, a San Francisco company has taken the idea of microfinance and upgraded it for the Web. Radio reporter Clark Boyd first reported about Kiva.org for Public Radio International's news program The World. He now travels to Uganda for FRONTLINE/World, where the first recipients of money collected through Kiva's Web site are building and expanding businesses.

Kiva, which means "agreement" or "unity" in Swahili, would allow people with a little bit of extra cash to use their credit card or the online money transfer company, PayPal, to lend directly to African entrepreneurs. Kiva got its start a little more than a year ago in Uganda, where it forged partnerships with local microfinance institutes so that each business would be vetted and approved before being posted on the site.

High dynamic range imaging

The view from WTC7

This is the view from the new New York Academy of Sciences HQ's at WTC7.

Amazing views of Tribeca and Lower manhattan

High dynamic range imaging is the new black

WTC, Deutche Bank, WTC Post office




























West Broadway














The tip of Tribeca














Tribeca













7 World Trade Center, West Broadway and Warren














West Broadway














Jersey City Sunset














West Broadway, Chambers




























West Broadway, Chambers



























Jeff Koons Balloon Sculpture in front of 7 WTC













The entrance to 7 WTC














Koon's ballon scuplture in front (behind) the post office













Looking up at 7 WTC



























The end of Greenwich St.














The west side and the Holland Tunnel, with water from the carribean.













Jersey City as Miami














Battery Park City, 7 World Trade Center














Hudson River Esplanade, West Side Highway















Jersey City/Hudson River Sunset

High dynamic range imaging

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In computer graphics and cinematography, high dynamic range imaging (HDRI) is a set of techniques that allow a far greater dynamic range of exposures than normal digital imaging techniques. The intention of HDRI is to accurately represent the wide range of intensity levels found in real scenes ranging from direct sunlight to the deepest shadows.

HDRI was originally developed for use with purely computer-generated images. Later, methods were developed to produce a HDR image from a set of photos taken with a range of exposures. With the rising popularity of digital cameras and easy to use desktop software, many amateur photographers have used HDRI methods to create photos of scenes with a high dynamic range (i.e a large difference between light and dark areas). However, HDRI has many other applications and "HDRI" should not be mistaken for just this use.

When preparing for display, a high dynamic range image is often tone mapped and combined with several full screen effects.

More High dynamic range imaging

Rockafeller Park, Battery Park City













Jersey City from Battery Park City














The battery park city neighborhood

High dynamic range imaging

In computer graphics and cinematography, high dynamic range imaging (HDRI) is a set of techniques that allow a far greater dynamic range of exposures than normal digital imaging techniques. The intention of HDRI is to accurately represent the wide range of intensity levels found in real scenes ranging from direct sunlight to the deepest shadows.

HDRI was originally developed for use with purely computer-generated images. Later, methods were developed to produce a HDR image from a set of photos taken with a range of exposures. With the rising popularity of digital cameras and easy to use desktop software, many amateur photographers have used HDRI methods to create photos of scenes with a high dynamic range (i.e a large difference between light and dark areas). However, HDRI has many other applications and "HDRI" should not be mistaken for just this use.

When preparing for display, a high dynamic range image is often tone mapped and combined with several full screen effects

High dynamic range imaging

High dynamic range imaging

In computer graphics and cinematography, high dynamic range imaging (HDRI) is a set of techniques that allow a far greater dynamic range of exposures than normal digital imaging techniques. The intention of HDRI is to accurately represent the wide range of intensity levels found in real scenes ranging from direct sunlight to the deepest shadows.
HDRI was originally developed for use with purely computer-generated images. Later, methods were developed to produce a HDR image from a set of photos taken with a range of exposures. With the rising popularity of digital cameras and easy to use desktop software, many amateur photographers have used HDRI methods to create photos of scenes with a high dynamic range (i.e a large difference between light and dark areas). However, HDRI has many other applications and "HDRI" should not be mistaken for just this use.
When preparing for display, a high dynamic range image is often tone mapped and combined with several full screen effects.
ontrast.

High dynamic range imaging

Images created using Photoshop CS2 'Merge to HDR' feature, generally from between 3 and 8 RAW images, allowing a dynamic range (of light to dark in a frame) far beyond what can be captured in a single frame, without the limitations of filters or the time spent manually merging frames.

Camping in South Jersey

Camping with Rachel at Atsion Lake in the Wharton State forest, Southern New Jersey.




























Wawa coffee














Canoeing down the Batso River (Quaker bridge to Batso)

































Piranah food


































































Sundew














shipwrecked














Cranberry








































Pitcher Plant






























Non-Entourage Turtle

Coneheads Ice cream













Conehead, with ice cream



































































John Lennon, or Chris Robinson, Kate Hudson's ex?














































The big banana split lasted about five minutes














Rachel does not like ticks
















Touring Medford Lakes




























Remnants of the dam washed out in Medford lakes















Bringing sexy back - turtles at Woodfords wildlife refuge