内容摘要：Overdraft fees originated during a time when consumers wrote and cashed checks more frequently — so that the checks would clear instead of bouncing, if there was an issue of timing — but banks steadily increased the fees in the first two decades of the 2000s. The fees disproportionately affect banks’ most cash-strapped consumers. A majority of overdrafts (70%) are charged to customers with average account balances between $237 and $439, according to the CFPB.

Overdraft fees originated during a time when consumers wrote and cashed checks more frequently — so that the checks would clear instead of bouncing, if there was an issue of timing — but banks steadily increased the fees in the first two decades of the 2000s. The fees disproportionately affect banks’ most cash-strapped consumers. A majority of overdrafts (70%) are charged to customers with average account balances between $237 and $439, according to the CFPB.

In Shishmaref, the storm wiped out a road leading to the local garbage dump and sewage lagoon, creating a health hazard for a town that lacks running water. Molly Snell said she prayed for a miracle that would save the village where she was born and raised from being forced to evacuate.“The right storm with the right wind could take out our whole island that’s more vulnerable due to climate change,” said Snell, 35, the general manager of the Shishmaref Native Corporation.

“For someone to say that climate change is not real kind of hurts a little bit because we’re seeing it firsthand in Shishmaref,” she said. “”People who say that it’s not real, they don’t know how we live and what we deal with every day.”Molly Snell, center, says grace with her partner, Tyler Weyiouanna, foreground left, Weyiouanna’s grandfather, Clifford, as they gather around a dinner table to celebrate Tyler’s 31st birthday in Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)Molly Snell, center, says grace with her partner, Tyler Weyiouanna, foreground left, Weyiouanna’s grandfather, Clifford, as they gather around a dinner table to celebrate Tyler’s 31st birthday in Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)

A homemade basketball hoop stands tilted outside a home in Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)A homemade basketball hoop stands tilted outside a home in Shishmaref, Alaska, Saturday, Oct. 1, 2022. (AP Photo/Jae C. Hong)

On a recent day, she prepared a dinner for the 31st birthday of her partner, Tyler Weyiouanna, with her 80-year-old father in-law, Clifford Weyiouanna, a respected village elder and former reindeer herder. Their meal included turkey, a cake with a photo posing next to the last bear Tyler had hunted and akutuq, an ice cream-like dish traditionally made by Alaska indigenous cultures from berries, seal oil and the fat of caribou and other animals. Her 5-year-old son, Ryder, played with Legos while they cooked and later joined them in singing Happy Birthday when Tyler returned home from a hunting trip.

Hunters — who woke at dawn under the chilly weather to board their boats in the village’s lagoon — returned with a catch of spotted seals that were laid outside homes ready to be skinned and cured, a traditional weeks-long process that is usually carried out by women. The fur of a polar bear dried in a rack next to the airstrip where small planes carry passengers, frozen foods and other goods.“If we come out together, we’ll have a deal,” Wallace said.

NJ Transit has a train yard, just over the Delaware River from Trenton in the suburban Philadelphia town of Morrisville. Picketers in red shirts that said “United We Bargain Divided We Beg” carried signs and blared music not far from the yard there on Saturday.Bill Craven, a 25-year veteran engineer, described the mood among union members positively. He said they usually don’t get to congregate because they are typically passing each other on the rails at 100 mph.

“Most of us would much rather be running trains. That’s what we do for a living. We don’t want to disrupt our lives, other people’s lives, but it comes to a point where we haven’t had a raise in six years,” he said.The walkout comes after the latest round of negotiations on Thursday didn’t produce an agreement. It is the state’s first transit strike in more than 40 years and comes a month after union members overwhelmingly rejected