Where do you end Chapters? (Writer Tip)

A question came up on the OWW listserv forum about how to end chapters. The original question was whether you should end them on a cliffhanger or not, and the person asking the question thought that didn't make sense, since often the author would then spend the next chapter on a different character or POV and not get back to the cliffhanger immediately, so how could that be an effective way to end a chapter? Anyway, I responded with the way that I end a chapter (or try to) and I thought it was worthwhile to post it here and see what everyone thought about the topic. Here's my response:

( How Do you End a Chapter? )