Banking

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  • Don’t Be a Cold Fish

    Gonzobanker.com
    Sam Kilmer
    19 Aug 2015 | 5:09 pm
      Ladies & Gentlemen, What you are about to hear is based on a true story of two mid-size banks, but names, numbers and key aspects of the story have been changed to protect the innocent. This is a tale of growth at Warm Pulse Bank and Cold Fish Bank. Warm Pulse and Cold Fish are both mid-size community banks very similar in most ways, including: Roughly same asset size Situated in slow growth markets Extensive branch networks Aggressive tech spending on similar systems Conservative lending risk No regulatory problems Full commercial banking/trust/investment product menus…
  • Bitcoin Technology Piques Interest on Wall St.

    NYT > Banking Industry
    30 Aug 2015 | 9:00 pm
    Financial firms are looking at the network and software that make it possible for Bitcoin to move around the world instantly and inexpensively.
  • Fintech Fundings: 15 Companies Raise $150 Million Week Ending August 31

    Finovate
    Jim Bruene
    28 Aug 2015 | 9:40 am
    Fundings cooled down a bit over the record-setting pace of early August. But still 15 companies raised almost $150 million ($146.6 million including $2.5 million in debt) this week. It was an especially lucrative week at the checkout counter in Europe as its two leading mPOS providers, iZettle ($67 million) and SumUp ($11.3 million), raised big rounds. Three Finovate alums received large checks this week: FutureAdvisor, one of the early robo-advisors which had raised $24 million, was acquired by Blackrock for an undisclosed sum SumUp, the London mPOS provider, raised $11.3 million Socure,…
  • Join Us for Payments in Portland! - September 16, 2015

    Payments News - from Glenbrook Partners
    Payments News Editor
    28 Aug 2015 | 2:58 pm
    And we mean Oregon, not Maine!... The payments industry is highly complex, growing rapidly, and presents fascinating opportunities and challenges for both incumbents and challengers. We have a number of companies in both categories in Portland - so let's get together and talk! You are invited to the inaugural "Payments in Portland" event on September 16th, from 5:30 - 7:30. Come meet your peers (and your competitors!) and talk about what's happening - and what's not - in our industry. This first event is organized by Carol Coye Benson of Glenbrook Partners and Dr. Siva G Narendra of Tyfone.
  • “Hacking is a business model”; some simple advice from an expert

    The Bankwatch
    Colin Henderson
    17 Aug 2015 | 7:32 pm
    I was reading the comments on this exploit story on AppleInsider. I loved lkrupp’s comment (below). The first paragraph might just be the best and simplest explanation for how to avoid virus and malware problems. (if you use Windows then you’ll need to substitute Microsoft approved or the likes for App Store). Several of the other comments are laced with common sense. “So the danger is not that someone outside can get into your machine: the danger is that anyone who has physical access to your machine can take it over.” The second paragraph is just a nice description of the…
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    Gonzobanker.com

  • Don’t Be a Cold Fish

    Sam Kilmer
    19 Aug 2015 | 5:09 pm
      Ladies & Gentlemen, What you are about to hear is based on a true story of two mid-size banks, but names, numbers and key aspects of the story have been changed to protect the innocent. This is a tale of growth at Warm Pulse Bank and Cold Fish Bank. Warm Pulse and Cold Fish are both mid-size community banks very similar in most ways, including: Roughly same asset size Situated in slow growth markets Extensive branch networks Aggressive tech spending on similar systems Conservative lending risk No regulatory problems Full commercial banking/trust/investment product menus…
  • Brock Thorpe Vol. III – ‘Accountability … with Extreme Prejudice’

    Scott Hodgins
    11 Aug 2015 | 10:15 pm
    GonzoBankers, we’re now knee-deep in strategic planning season, and senior managers everywhere are registering Pucker Factor readings in the high 90s. This week, we take you back to the viral Brock Thorpe, Badass CIO series to see how Brock and the team are handling the pressure of accountability. There may even be a bit of fair-play turnabout for our hero. Find out the details right here. –Hodgins   More from Brock Thorpe: Meet Brock Thorpe Brock’s got a lot on his plate, and, well, his patience for vendors is waning. Brock Thorpe Revisited A visit from Brock’s new vendor rep…
  • You Don’t Know Jack!

    Ron Shevlin
    28 Jul 2015 | 10:02 am
      I was telling a friend of mine–a senior executive at a mid-size credit union–why many banks and credit unions deceive themselves when they say their competitive advantage is their superior level of service (if you want to know why, see this and this). My friend said: “You don’t get it. We do have superior service. It comes down to knowing our members better than any mega-bank could ever know them.” I looked at him and said, “You, my friend, don’t know JACK! Or Jill, or Jim, or Jerry, or Jeannie, or any of your other members whose names start with the other…
  • What Vendors Won’t Tell You About Outsourcing

    Terence Roche
    21 Jul 2015 | 11:47 am
    “A satisfied customer — we should have him stuffed!” -Basil Fawlty, Fawlty Towers Most anybody in the industry knows that financial institutions outsource more than they did five years ago, and they will have outsourced more in another five. There are very valid reasons for this trend. The biggest we see is that banks are finding it increasingly difficult to attract and retain key areas of talent – disaster recovery management, data center penetration/breach, data communications, to name just a few. A vendor’s ability to hire talent for tens or hundreds of clients that…
  • The Tale of the Digital Banks

    Steve Williams
    7 Jul 2015 | 3:22 pm
    It’s been more than 15 years since the Internet shook the business world and predictions abounded that Internet-only banks would eat traditional banks for lunch. Taking stock on these predictions, it’s clear that the impact of Internet-only banks has been less dramatic than anyone would have predicted. In recent years, the trade press and industry conferences have buzzed with admiration for digital darlings such as Simple, Moven, GoBank and BankMobile. Pundits have celebrated these new players’ slick designs and future disruption potential. Yet while the demos and screen shots at events…
 
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    Finovate

  • Fintech Fundings: 15 Companies Raise $150 Million Week Ending August 31

    Jim Bruene
    28 Aug 2015 | 9:40 am
    Fundings cooled down a bit over the record-setting pace of early August. But still 15 companies raised almost $150 million ($146.6 million including $2.5 million in debt) this week. It was an especially lucrative week at the checkout counter in Europe as its two leading mPOS providers, iZettle ($67 million) and SumUp ($11.3 million), raised big rounds. Three Finovate alums received large checks this week: FutureAdvisor, one of the early robo-advisors which had raised $24 million, was acquired by Blackrock for an undisclosed sum SumUp, the London mPOS provider, raised $11.3 million Socure,…
  • Finovate Alumni News

    David Penn
    28 Aug 2015 | 7:34 am
    Around the Web Whiznews in Southeastern Ohio looks at a local deployment of SizeUp with the Zanesville-Muskingum Chamber of Commerce. RedCloud names Katia Hilal as Vice President of Product. See RedCloud at FinovateFall 2015 in New York. Omaha.com talks with Prairie Cloudware chief revenue officer, Doug Parr about the EMV transition this fall. Azimo brings its money transfer services to Sierra Leone and Guinea. Coinbase enables UK and Spanish customers to buy bitcoin using 3D Secure credit and debit cards. Interxion announces availability of Azure ExpressRoute in Amsterdam. Check out…
  • SumUp Raises €10 Million in Round Led by BBVA Ventures, Groupon, American Express

    David Penn
    27 Aug 2015 | 11:45 am
    Investments totaling €10 million from BBVA Ventures, Groupon, American Express and others have boosted mPOS specialist SumUp’s total capital to more than €50 million. The infusion comes on the heels of a June investment from Venture Incubator AG, a Swiss venture capital firm. The combined investments, SumUp CEO Daniel Klein said, makes SumUp “better equipped than ever to execute on our vision of empowering small businesses all over the world by radically simplifying payments.” Specifically, SumUp plans to put the capital to use by: Expanding into two more countries…
  • FinovateFall Sneak Peek: Flybits

    Julie Schicktanz
    27 Aug 2015 | 9:49 am
    The Sneak Peek series looks at the innovators demoing live on stage at FinovateFall 2015. Be sure to pick up your tickets to our annual autumn conference, and we’ll see you in New York! Flybits is the first context-as-a-service software platform. Develop better mobile apps, sooner, and for less. Get agile as you tailor your customer engagement strategy. Features: Flybits-enable existing apps in 15 minutes Location support is hardware agnostic Non-developers can easily change app content and behavior Why it’s great: The Flybits context-as-a-service platform has all infrastructure…
  • FinovateFall Sneak Peek: CellTrust

    Julie Schicktanz
    27 Aug 2015 | 9:48 am
    The Sneak Peek series looks at the innovators demoing live on stage at FinovateFall 2015. Be sure to pick up your tickets to our annual autumn conference, and we’ll see you in New York! CellTrust SecureLine delivers a complete bring your own device (BYOD) solution with secure SMS and voice, empowering the mobile workforce with communications that can be secured, traced and archived. Features: Keep personal and business communications separate with dual persona technology Boost collaboration, increase response times and productivity Archive mobile communications in support of compliance Why…
 
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    Payments News - from Glenbrook Partners

  • Join Us for Payments in Portland! - September 16, 2015

    Payments News Editor
    28 Aug 2015 | 2:58 pm
    And we mean Oregon, not Maine!... The payments industry is highly complex, growing rapidly, and presents fascinating opportunities and challenges for both incumbents and challengers. We have a number of companies in both categories in Portland - so let's get together and talk! You are invited to the inaugural "Payments in Portland" event on September 16th, from 5:30 - 7:30. Come meet your peers (and your competitors!) and talk about what's happening - and what's not - in our industry. This first event is organized by Carol Coye Benson of Glenbrook Partners and Dr. Siva G Narendra of Tyfone.
  • Headline News from PaymentsNews.com - August 28, 2015

    Payments News Editor
    28 Aug 2015 | 6:15 am
    On the Web: Bitcoin Technology Piques Interest on Wall St. - New York Times - "Many in the financial industry hope they can find a way to use the blockchain concept — what is often referred to as a distributed ledger — without using the blockchain associated with Bitcoin." Ingenico Said to Join Bidding for U.K. Payments Firm Worldpay - Bloomberg - "Ingenico Group, a French payments-processing company, has joined the race to buy Worldpay Ltd. ahead of a planned initial public offering by the U.K. rival, according to a person familiar with the matter." Payments firm iZettle raises…
  • Headline News from PaymentsNews.com - August 27, 2015

    Payments News Editor
    27 Aug 2015 | 7:11 am
    On the Web: Payments on Fire Podcast #26 – Maybe It’s 3D Secure, After All - PaymentsViews.com - "In this conversation with Mike Roche, VP of Consumer Authentication at Cardinal Commerce, we take a deep dive into these protocols, their implementation and continuing evolution, expectations of increased card not present fraud due to EMV’s US arrival, and the positive effect on merchant sales and issuer spend of using this approach." Federal Reserve Increasing Scrutiny of Bank Payment Systems - Wall St. Journal - "Bank regulators are continuing to look at the issue as part of…
  • Headline News from PaymentsNews.com - August 26, 2015

    Payments News Editor
    26 Aug 2015 | 7:46 am
    On the Web: Wirecard Said to Join Worldpay Contest With $9.4 Billion Bid - Bloomberg - "German payments processor Wirecard AG has joined the bidding for U.K. rival Worldpay Ltd., according to people with knowledge of the matter." PayPal One Touch is Now Being Used By Millions of People and Available in 16 Countries - "One Touch is the biggest change to online shopping in more than a decade. It is a faster, safer way for consumers to check out at merchant sites, whether in mobile apps, on mobile web or online -- across platforms and payment types. Since launching One Touch, we’ve gotten…
  • Headline News from PaymentsNews.com - August 25, 2015

    Payments News Editor
    25 Aug 2015 | 6:39 am
    On the Web: Inside the Fight Over Bitcoin’s Future - New Yorker - "A terrific rumpus broke out in the world of Bitcoin last week, when veteran developers Gavin Andresen and Mike Hearn published Bitcoin XT, a competing version of Bitcoin Core, the open-source program that generates new bitcoins, verifies all transactions, and records them on the massive distributed ledger known as the blockchain." The FTC Has the Authority to Enforce Data Security: FTC v. Wyndham Worldwide Corp. - TeachPrivacy - "This is a very important case. The FTC achieved a huge win in this case, preserving its…
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    The Bankwatch

  • “Hacking is a business model”; some simple advice from an expert

    Colin Henderson
    17 Aug 2015 | 7:32 pm
    I was reading the comments on this exploit story on AppleInsider. I loved lkrupp’s comment (below). The first paragraph might just be the best and simplest explanation for how to avoid virus and malware problems. (if you use Windows then you’ll need to substitute Microsoft approved or the likes for App Store). Several of the other comments are laced with common sense. “So the danger is not that someone outside can get into your machine: the danger is that anyone who has physical access to your machine can take it over.” The second paragraph is just a nice description of the…
  • Greece is important and so is Alabama

    Colin Henderson
    12 Jul 2015 | 10:01 pm
    This quote from Rana Foroohar on CNN this weekend makes one stop and think. A similar comment related to Connecticut (similar GDP to Greece) effectively bailing out any of the smaller southern US states every year. Why Greece Matters for Everyone It’s not that the economy of Greece itself matters so much–China creates a new Greece every six weeks–it’s that a Greek exit from the Eurozone calls into question the entire European experiment. Its easy to understate the importance of small economic areas, but they matter immensely within their geographic and economic context within which…
  • Garakei: Galapagos cell phone

    Colin Henderson
    10 Jul 2015 | 6:15 am
    My wife just came across this term on a recent trip back to Japan. Garakei or another version, Gara-phone. It literally means “Galapagos Cell Phone”. The backdrop actually goes back to Charles Darwin and how he made the Galapagos Islands famous for uniquely eveolving animal forms and this formed the basis of his “Origin of Species”. Garakei: Galapagos cell phone Recently I’ve been hearing about a Japanese electronic device called a “garakei ガラケイ”. Mystified by this katakana word, which I assumed to be at least partially the transcription of some foreign term,…
  • China stock market is unplugged

    Colin Henderson
    7 Jul 2015 | 9:06 pm
    Maybe there are just some things that cannot be controlled. Despite massive government intervention, the Chinese stock market is collapsing in light of an overbought bubble. Fresh turmoil hits China’s stock market ft.com China’s central bank stepped up state support for sinking stocks on Wednesday, as investors rushed to sell what they still could after a fresh wave of share suspensions that have now halted trading in half the market. The renewed selling followed another round of share suspensions overnight, which have now halted trading in 1,476 stocks — or more than 50 per cent all…
  • Piketty brings academic pragmatism to Greece debate

    Colin Henderson
    6 Jul 2015 | 8:19 pm
    This interview with Thomas Piketty by Die Ziet is a landmark. As the interview rightly points out this 700+ page best seller has not been read beyond probably Page 26 by most of the purchasers. This is obvious to me by the book reviews. However this interview has two main aspects of interest: it highlights some economic history, history meaning anything previous to the last quarter, and that in which most folks have no interest. This stuff is not in the history books. Economic history is boring and unless you read Niall Ferguson, Thomas Piketty, or Kenneth Rogoff will not mean much. His…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • How many of the past 40 Under 40 winners do you know?

    Michelle Cioci
    29 Aug 2015 | 2:05 am
    Since 1992, Business First has been honoring 40 men and women a year who are succeeding in their careers while also giving back to the community. Here's a look at the honorees from each year, along with where they worked at the time. 1992 Michele Adams, Buffalo Imprints Inc.; Michael Battle, Office of Federal Public Defender; William Berard III, Gold & Gold; Nancy Brock, M&T Bank; Christopher Brown, Brown & Co. CPAs; Jerry Butler, Butler Construction Co.; Frederick Caso Jr., Niagara Falls Area…
  • Congratulations to the 2015 40 Under 40 honorees

    Michelle Cioci
    29 Aug 2015 | 2:00 am
    From educators to attorneys to bankers, Business First's 24th annual class of 40 Under 40 has been chosen. More than 160 nominations were received this year, and the class was selected by a six-person panel of former 40 Under 40 winners led by chairman James Morrell, deputy director of public transit at the Niagara Frontier Transportation Authority. The other judges were: Ericka Bennett (2014), Roswell Park Cancer Institute; Barbara Danner (2014), Freed Maxick CPAs; Erin Grajek (2012), Buffalo…
  • Donald Trump lets loose at Ernie Boch event in Norwood

    Craig Douglas
    28 Aug 2015 | 9:31 pm
    Donald Trump was fashionably late for his much anticipated visit to Ernie Boch Jr.'s home in Norwood Friday, but his comedic timing was right on target. The real estate magnate and frontrunner in the Republican presidential primaries was the guest of honor at the Boch-hosted event, and he didn't hold back when it came to fielding questions and speaking off the cuff about a range of topics ranging from his primary competitors to women's health ("I cherish women.") to his desire to build a wall along…
  • Atlanta Fed says economy growing at 1.2 percent

    Phil W. Hudson
    28 Aug 2015 | 3:33 pm
    The Federal Reserve Bank of Atlanta reported Aug. 28 the GDPNow model forecast for real gross domestic product growth (seasonally adjusted annual rate) in the third quarter of 2015 is 1.2 percent. On Aug. 26, the forecast for real GDP growth (seasonally adjusted annual rate) was 1.4 percent. The real GDP growth rate is a key indicator of economic activity, The forecast for real GDP growth in the third quarter dropped by 0.2 percent after the Aug. 28 personal income and outlays report from the U.S.…
  • SBA agrees to $6M settlement with shuttered EDF Resource Capital

    Mark Anderson
    28 Aug 2015 | 2:45 pm
    A Folsom real estate lender who was shut down by the Small Business Administration in 2012 has agreed to a $6 million settlement of all claims. Frank Dinsmore, founder and CEO of EDF Resource Capital, agreed Thursday to resolve all allegations against him and the company by the SBA in return for payments and assets worth about $6 million. Resource Capital for many years in the 1990s and 2000s was among the top lenders making SBA 504 real estate loans. The SBA in mid-December 2012 seized the loan…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • How many of the past 40 Under 40 winners do you know?

    Michelle Cioci
    29 Aug 2015 | 2:05 am
    Since 1992, Business First has been honoring 40 men and women a year who are succeeding in their careers while also giving back to the community. Here's a look at the honorees from each year, along with where they worked at the time. 1992 Michele Adams, Buffalo Imprints Inc.; Michael Battle, Office of Federal Public Defender; William Berard III, Gold & Gold; Nancy Brock, M&T Bank; Christopher Brown, Brown & Co. CPAs; Jerry Butler, Butler Construction Co.; Frederick Caso Jr., Niagara Falls Area…
  • Congratulations to the 2015 40 Under 40 honorees

    Michelle Cioci
    29 Aug 2015 | 2:00 am
    From educators to attorneys to bankers, Business First's 24th annual class of 40 Under 40 has been chosen. More than 160 nominations were received this year, and the class was selected by a six-person panel of former 40 Under 40 winners led by chairman James Morrell, deputy director of public transit at the Niagara Frontier Transportation Authority. The other judges were: Ericka Bennett (2014), Roswell Park Cancer Institute; Barbara Danner (2014), Freed Maxick CPAs; Erin Grajek (2012), Buffalo…
  • Donald Trump lets loose at Ernie Boch event in Norwood

    Craig Douglas
    28 Aug 2015 | 9:31 pm
    Donald Trump was fashionably late for his much anticipated visit to Ernie Boch Jr.'s home in Norwood Friday, but his comedic timing was right on target. The real estate magnate and frontrunner in the Republican presidential primaries was the guest of honor at the Boch-hosted event, and he didn't hold back when it came to fielding questions and speaking off the cuff about a range of topics ranging from his primary competitors to women's health ("I cherish women.") to his desire to build a wall along…
  • Atlanta Fed says economy growing at 1.2 percent

    Phil W. Hudson
    28 Aug 2015 | 3:33 pm
    The Federal Reserve Bank of Atlanta reported Aug. 28 the GDPNow model forecast for real gross domestic product growth (seasonally adjusted annual rate) in the third quarter of 2015 is 1.2 percent. On Aug. 26, the forecast for real GDP growth (seasonally adjusted annual rate) was 1.4 percent. The real GDP growth rate is a key indicator of economic activity, The forecast for real GDP growth in the third quarter dropped by 0.2 percent after the Aug. 28 personal income and outlays report from the U.S.…
  • SBA agrees to $6M settlement with shuttered EDF Resource Capital

    Mark Anderson
    28 Aug 2015 | 2:45 pm
    A Folsom real estate lender who was shut down by the Small Business Administration in 2012 has agreed to a $6 million settlement of all claims. Frank Dinsmore, founder and CEO of EDF Resource Capital, agreed Thursday to resolve all allegations against him and the company by the SBA in return for payments and assets worth about $6 million. Resource Capital for many years in the 1990s and 2000s was among the top lenders making SBA 504 real estate loans. The SBA in mid-December 2012 seized the loan…
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    Finance & Banking RSS Feed | JD Supra Law News

  • FATCA: Update regarding US Reportable Accounts

    Harney Westwood & Riegels
    29 Aug 2015 | 11:31 am
    The Cayman Islands Department for International Tax Cooperation (DITC) has advised that it is in the final stages of preparing its FATCA data to be provided to the IRS. Information on US Reportable Account Notifications and 2014 Returns for US FATCA...By: Harney Westwood & Riegels
  • Changes to Military Lending Act on the Horizon

    Bradley Arant Boult Cummings LLP
    29 Aug 2015 | 10:38 am
    The Department of Defense (DoD) recently published its Final Rule amending the Military Lending Act’s (MLA) implementing regulation. The MLA, passed by Congress in 2006, provides active duty service members and their dependents with certain...By: Bradley Arant Boult Cummings LLP
  • EU-Vietnam Trade Deal

    Dechert LLP
    28 Aug 2015 | 7:57 pm
    The EU and Vietnam have concluded the substantive elements of a Free Trade Agreement (FTA), widely-hailed as one of the most ambitious and comprehensive such agreements that the EU has concluded with a developing country. With Vietnam’s growth rate...By: Dechert LLP
  • FCRA Tip: Keep Hands On

    Sherman & Howard L.L.C.
    28 Aug 2015 | 7:50 pm
    A federal trial court will conduct a trial on a Fair Credit Reporting Act claim because the employer streamlined its background check system. In this case, a bank used a third party service provider to conduct background checks in compliance with the...By: Sherman & Howard L.L.C.
  • CFPB Issues Monthly Complaint Snapshot – Failure to Provide Normalization and Other Necessary Comparison Metrics Continues

    MoFo Reenforcement
    28 Aug 2015 | 7:01 pm
    On August 15, 2015, the CFPB released its latest “consumer complaint snapshot.” The Bureau’s “snapshots” generally provide updated national complaint information, and further include product and geographic spotlights that look into complaints...By: MoFo Reenforcement
 
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    Capital Solutions Bancorp » Blog

  • 3 Absolutely Easy Ways to Turn Clients into Awesome Fans

    Meryl Evans
    27 Aug 2015 | 5:57 am
    Are your customers satisfied with your company? Or are they very happy with your company? There is a difference here. Satisfied isn’t enough to hold on to them. They can easily switch if they notice problems with the product or service, or something better comes along. The 2014 State of Multichannel Customer Service Survey from Parature has found that 65 percent of the respondents stopped using a company’s products or services because of poor customer service experience. After receiving bad customer service experience, 2014 Global Customer Service Barometer [pdf] from Ebiquity has found…
  • How Much Is Your Valuable Client Actually Worth?

    Meryl Evans
    18 Aug 2015 | 5:47 am
    How much should you spend to get new customers? When a deal or promotion opportunity comes your way that brings in new clients and grow your business, how do you figure out whether the deal will pay off? Your gut feeling may have come through for you in the past. You let it dictate how much is just right, too much, or too little. What you think costs too much may end up bringing in more customers and profit than you expect. Without knowing a client’s lifelong value, it’ll be impossible to determine whether an acquisition cost is too high or too low. If the lifelong value of a customer is…
  • Are You Flying Blind with Your Small Business?

    Meryl Evans
    12 Aug 2015 | 7:43 am
    Yes, the above is a picture of a cockpit in a plane. Are you about to fly? If so, bookmark this page and return after you’ve safely landed. On land now? No more flying? OK, read on. Would you be willing to be a passenger in this plane if you knew that the pilots understand only some of the dials? What if the pilots told you that they only look at some of the dials, but ignores the ones they don’t remember what they do? (Rest easy. This would never happen in real life.) Interpreting plane dials and taking action Dials show what is happening inside and outside of the plane, and how…
  • Are You Sure You Know What You Need to Know About Accounts Receivable?

    Meryl Evans
    7 Aug 2015 | 10:04 am
    “Cash is king.” No doubt every small business owner has heard that. That’s because a small business can’t survive without cash flow. All the great talent means zilch if you can’t pay them and your bills. But what brings in the cash? Your accounts receivable, or A/R. Accounts receivable is an accounting term for what your clients owe you for the products or services you delivered. Your invoices are a generated accounts receivable. Until you submit your invoices to clients, you won’t get paid. How accounts receivable affects reporting Here’s the thing about A/R in accounting. When…
  • How Do I Get a Client to Pay up?

    Meryl Evans
    30 Jul 2015 | 7:56 am
    This is a true story. Names have been changed to protect the innocent and the guilty. A prospect contacted me interested in my company’s services. We discussed the project and came to agreement on the scope and price. My team went right to work. To ensure the client was happy with the direction, we submitted a portion of the work. Jack asked us to modify one thing, otherwise he liked it. At that point, he said he’d send us payment for a portion of the project. My team continued working, applying the client’s feedback. Shortly after, we submitted half of the project. And here’s the…
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    MyBankTracker

  • Why My Dad Allowed the Financial Boogeyman to Terrorize Him

    Rebecca Lake
    26 Aug 2015 | 8:29 am
    Everyone has their version of a financial monster that keeps them up at night, causes stress and even drives them to make bad money choices. I’m certain you are familiar with this monster and how it triggers your deepest anxieties and fears. Perhaps you agonize over the decision to foreclose on your house. Maybe you can’t keep up with your credit card debt, or fear you don’t have enough money saved. Are you letting the financial boogeyman terrorize you? For my dad, his biggest fear was having bad credit. The decisions he made were a result of his anxiety and fear — it…
  • How This Dad and Blogger Plans to Retire by 43

    Claire Tak
    25 Aug 2015 | 9:00 am
    If you’ve been keeping up with finance news as of late, you’ll know that many Americans have not saved enough for retirement. Poor planning, spending frivolously and a struggling economy are all factors behind why many of us worry about financial security when we reach our golden years. But wait! Some of us are going against the norm and building an impressive portfolio of retirement funds that leave the rest of us asking, “How’d they do that?” Here’s Carl, with his daughter. A few years back, we met Carl, who created a blog dedicated to his retirement…
  • Asking How Many Bank Accounts You Need Is Stupid

    Simon Zhen
    21 Aug 2015 | 9:32 am
    “How many bank accounts do I need?” It’s a frequently asked question by many people who think that there’s a magic, one-size-fits-all number of financial accounts that everyone should have. Just try Googling that question, and there are actual stories that tell you the exact number of how many accounts you should have! The truth is, there is no magic number. A person can be financially stable, regardless of whether he has one bank account or 100. However, it’s common for many Americans to have accumulated more bank accounts than they need. Just like having too much stuff can be…
  • An Uncomplicated Guide to Hacking Your Perfect Credit Score

    Rebecca Lake
    18 Aug 2015 | 7:55 am
    Your credit score is like an adult report card that shows how responsible you are with your money, and how much of a liability you would be if a bank were to lend you money. I know, it all sounds so boring. So, why should you care, and why does it matter? In a few words, having a credit score that is considered “excellent” vs. “good,” can mean a difference of thousands of dollars the bank could “get you” for interest. So, let me rephrase the two questions I just asked you: do you care about saving money? Do you care that you’re unnecessarily paying…
  • Living the American Dream Means Being Poor on Purpose

    Simon Zhen
    12 Aug 2015 | 12:04 pm
    As I walk through New York City’s bustling Chinatown, I’m surrounded by a crowd of mostly Chinese immigrants scurrying in and out of restaurants, markets and shops. I rush past a large group of tourists trying to score the best deals on fake designer bags, trinkets and knickknacks. The smell of fresh fish, sweet bread and sidewalk trash fill the air. Canal Street in NYC’s Chinatown Flickr…
 
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    Payments Views from Glenbrook Partners

  • EMV – Necessary, Insufficient, and our Lasting PR Risk

    George Peabody
    27 Aug 2015 | 7:16 am
    We are just a month away from the October EMV liability shift and the transition is, to no one’s surprise, mostly incomplete. EMV credit card issuance is expected to be at just 50% by the end of this year. Point of sale hardware upgrades at major retailers may be in place but the long tail of SMB merchants will lag for years. We expect many of the largest retailers to turn on their EMV hardware by October. But likely not all. EMV is not trivial. And retailer wisdom, gained through long experience, advises against making POS changes when November nears. You don’t want to break your…
  • PoF 26 – Maybe It’s 3D Secure, After All

    George Peabody
    20 Aug 2015 | 6:46 am
    The 3D Secure protocols, one for each network, that connect ecommerce merchants to the cardholder’s issuer, has had a rough go. But after ten years, smarter application of the tool and, in particular, risk-based usage makes it more attractive to both issuers and merchants. In this conversation with Mike Roche, VP of Consumer Authentication at Cardinal Commerce, we take a deep dive into these protocols, their implementation and continuing evolution, expectations of increased card not present fraud due to EMV’s US arrival, and the positive effect on merchant sales and issuer spend of…
  • PoF 25 – Directory Service for Virtual Currencies

    George Peabody
    12 Aug 2015 | 6:38 am
    The Internet’s designers quickly realized that no one’s very good at remembering IP address numbers. Unless you type the same number over and over again (and I did when I ran an ISP) a human readable version is a lot easier. That’s what the domain name system or DNS is all about, connecting human readable names to specific IP addresses. You can imagine then that Bitcoin, with its long alphanumeric addresses, suffers from similar challenges. That insight is what this podcast is about and the reason Justin Newton and Dawn Newton formed Netki. Try it out by sending bitcoin to me at…
  • PoF 24 – EMV, the Small Business, and New Ways to Pay

    George Peabody
    5 Aug 2015 | 5:31 am
    Every payment pro in the US is also a shopper and we all know that the largest retailers are poised to support EMV. Nearly all have EMV capable hardware. A few have turned it on. Most are waiting for the October liability shift so the temporary pain and awkwardness of clerk and consumer confusion is spread across everyone. But what about the small and medium business (SMB) market? Mike English, VP of Product Development, at Heartland Payment Systems has a front line view on the EMV transition of its SMB customers. Take a listen as Mike discusses EMV, the future of contactless and the NFC…
  • PoF 23 – What’s Up with HCE – Talking with inventor Doug Yeager

    George Peabody
    29 Jul 2015 | 4:06 am
    Host card emulation (HCE) was invented back in 2012. It was supposed to do for NFC on Android what Apple Pay has done for NFC in the iOS ecosystem. But it’s taken longer, a lot longer, for a robust Android-based NFC capability to get deployed. In this conversation with HCE inventor Doug Yeager, CEO of SimplyTapp, we review how HCE works, what it requires, and take a look at why it’s taken so long to gain momentum. The good news is that momentum is increasing with a growing set of HCE technology providers pushing it forward and, it appears, a pipeline of HCE-based apps on the way. Read…
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    SBOBET Indonesia Judi Bola/Casino Teraman

  • 8 Kiper Berprestasi Di Dunia

    admindw2131234
    18 Aug 2015 | 10:32 pm
    Kiper adalah salah satu posisi di dalam permainan sepa bola yang tugasnya ada di bagian paling belakang. Ia memiliki tugas khusus yang hanya bisa dijalankan olehnya, yaitu menjaga gawang tim dari serbuan lawan. Karena posisinya itulah ia diperbolehkan menggunakan tangan untuk menangkap bola. judi bola  …
  • Gokhan Inler Sampah-kan Tawaran Bayern Munich

    admindw2131234
    11 Aug 2015 | 9:00 pm
    Gokhan Inler merupakan gelandang Napoli yang saat ini dikejar oleh tim Bayern Munich.  Akan tetapi tim Bayern harus patah hati karena pinangannya kepada Gokhan Inler ditolah mentah-mentah. Tidak hanya ditolak oleh sang pemain namun juga oleh sang pelatih. Hal ini jelas dikarenakan pemain yang satu ini sebenarnya masih ingin bermain dengan Napoli lebih lama lagi. Baginya bermain dengan tim tersebut adalah sebuah anugerah yang luar biasa dan ini tentu saja akan membuat tim Napoli menjadi lebih kuat lagi. Penolakan yang dilakukan oleh Gokhan Inler terhadap tim Munich tentu saja tidak membuat…
  • manfaat bermain sbobet di agen bola yang canggih

    admindw2131234
    7 Jul 2015 | 1:15 am
    Di zaman yang serba bisa ini bukan hal yang sulit untuk menelusuri internet,agar bisa menguntungkan bagi anda. terutama bagi anda pecinta judi bola,anda tidak perlu repot repot keluar dari rumah anda untuk ke agen taruhan/judi apalagi di musim kemarau atau hujan disertai macet yang berlebih bisa membuat anda strees sekarang anda bisa memilih /menebak pertandingan yang telah dicantumkan oleh agen-agen bola yang  bisa anda aksess secara mudah tentunya dari agen bola yang terpercaya dan berkualitas bagus menyediakan fitur : – betting in mobile - live chat yang bisa anda ajak ngobrol 24jam…
  • akibat terlalu berfoya-foya pada hasil lotere orang ini jatuh miskin

    admindw2131234
    7 Jul 2015 | 12:48 am
    Bagi kebanyakan orang yang menang judi online , apalagi jackpot bukan hal yang jarang mereka berfoya-foya menghabiskan uang apalagi hidup hanya 1x pikirnya jika anda tipe pemenang yang seperti itu tepatnya anda harus berubah,kalau tidak ingin jatuh miskin karena menghabiskan uang untuk judi online dan parahnya kemenangan anda juga dihabiskan berfoya foya akan berakhir seperti orang itu cobalah untuk menggunakan uang kemenangan anda, agar bisa bermanfaat seperti menanam saham/usaha ingat-ingatlah budget anda jangan dihabiskan sekaligus , dan jangan kira uang anda tidak habis habis lalu tidak…
  • Ketergantungan Berjudi yang Buruk pada masyarakat hongkong

    admindw2131234
    7 Jul 2015 | 12:27 am
    Dalam hal perjudian adalah hal yang lumrah bila menang lalu ingin menang lagi sampai sekiranya 3x Namun , hal yang berbeda dari masyarakat hongkong yang tercatat pernah setengah juta masyarakat Hongkong mengunjungi Macau hanya untuk memenuhi hasrat bermain judi,dengan hanya menempuh perjalanan 1jam masyarakat hongkong tak lelah bermain ke macau . bahkan lebih dari 1.040 pelajar Hongkong yang diwawancara, lebih dari setengahnya sudah diperkenalkan dengan dunia perjudian oleh orangtuanya. Dan 41 persen diantaranya memulai berjudi pada usia 6 tahun telah memainkan taruhan bola Perjudian Yang…
 
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    CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Savings Accounts

  • Here’s something a little different … A robo-adviser with killer checking

    Susan Ladika
    28 Aug 2015 | 9:16 am
    Aspiration Fund Adviser has created a website that offers automated investment advice and allows the user to choose how much they want to pay for that service.
  • Highest CD Rates Roundup For August 28

    Mike Sante
    28 Aug 2015 | 8:46 am
    Check out all of the top returns we’ve found at credit unions and community banks across the country. These local deals pay more than the best nationally available offers from the banks on our CD Rates Leaderboard. Related Posts:Houston Deal: 1.40% On 1-Year CDsDon't Miss This Long Island CD SpecialSuburban St. Louis Credit Union Touts CDGood [...]
  • Jumbo Mortgage Deal: 3.75%, No Points

    Mitch Strohm
    26 Aug 2015 | 8:43 am
    Gateway Bank Mortgage is offering one of late summer's best deals on 30-year, fixed-rate jumbo mortgages to home buyers in nine states.
  • Salem Five Leaps To Share 4-Year CD Lead

    Sabrina Karl
    25 Aug 2015 | 10:36 am
    The Massachusetts bank is paying 2.00% APY on 48-month CDs with a $10,000 minimun deposit -- the same as co-leader E-Loan.
  • Vermont Deal: 2.53% On 5-Year CDs

    Mike Sante
    24 Aug 2015 | 9:50 am
    Green Mountain Credit Union is treating Vermont saves to a deal that beats the best nationally available 60-month return offered by the banks on our CD Rates Leaderboard. It's also good enough to land Green Mountain a spot in our rankings of the best local deals from credit unions and community banks around the country. You can try searching Bankrate's extensive database of the best CD rates from hundreds of banks and credit unions, but we suspect you'll have a hard time beating Green Mountain's deal. Membership in this credit union is open to anyone who lives in Chittenden, Rutland,…
 
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    Bank India — Indian Banks News & Tutorials

  • Check Bank Of India Balance Through SMS & Miss Call

    Suraj Tandon
    24 Aug 2015 | 7:42 am
    Bank of India is a nationalized bank managed and operated by Government of India. If you use facilities of Bank of India and are clueless about the simple methods to realize the account balance details, you should read the below modes: 1. Net banking In this digitalized world, everything is transforming online nowadays. Then, why not balance enquiry and other similar banking needs. With most customers today availing net banking services, knowing account balance is a matter of few clicks. Read: Check Bank of Baroda Balance By Missed call or SMS Just enter your “user id” &…
  • Check ICICI Bank Account Balance Through SMS or Missed Call

    Suraj Tandon
    21 Aug 2015 | 2:02 am
    ICICI Bank is one of the very prosperous private sector banks in India. Wide range of products on offer and quality services is the unique proposition of the bank. If you are associated with this private sector giant, you would like to make note of a few simple tips, through which you can realize your bank account balance in minutes. These are: 1. ICICI Online Banking Online banking is one of the most common facilities offered and accepted by most customers in Indian banking sector. People are facilitated with a ‘user id’ & ‘password’, which allows them to execute…
  • Check Bank of Baroda Balance By Missed call or SMS

    Suraj Tandon
    20 Aug 2015 | 4:39 am
    Bank of Baroda is one of the largest nationalized banks, which is run and managed by the Government. The wings of Bank of Baroda are spread across India equally and it is one of the most important banks in the banking sector. If you hold a bank account of any type in Bank of Baroda and are wondering, how to determine the current balance and various other details, by using simple effortless steps, you should read the following: 1. Bank of Baroda Net banking If your account is linked to the net banking services of Bank of Baroda, you can just log on to the official website of Bank of Baroda to…
  • Check Canara Bank Account Balance by Missed call or SMS

    Suraj Tandon
    19 Aug 2015 | 2:21 am
    Canara Bank is one of the leading banks throughout India. Efficient customer care and the schemes on saving accounts, loans, etc., have kept people attached to the bank’s services. Often, one finds the need to determine the exact balance in the account, in order to transact or just for a casual inquiry. The process of determining the account balance can be very painful. Running to the Canara bank branches, to get a passbook entry or checking in ATMs for a written statement can be undesirable. But, thanks to technology, one no longer has to keep hooked to the inconvenient options and there…
  • How to transfer bank account to another branch

    Suraj Tandon
    31 Jul 2015 | 3:27 am
    Banking sector in India has undergone a massive success in the past some time and this gets quite clear from the increasing count of banking customers. Indian banks have got a number of impressive features to offer. Out of them, one is to let you transfer bank account from one branch to another. Yes, this is actually possible! Before the aforesaid facility was available, it was observed that a number of people had to open new bank account on changing their residence. They just could not get their bank account shifted to another branch. To remove this hassle, RBI came up with a solution.
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    Mountain Money by MACU

  • Have You Entered to Win Taylor Swift Tickets Yet?

    Mountain America
    28 Aug 2015 | 9:10 am
    We have that red-lip, classic thing that you like. That’s right—tickets to see Taylor Swift live in concert at Energy Solutions Arena in Salt Lake City on Friday, September 4, 2015! What you could win During Mountain America’s Taylor Swift Ticket Giveaway, you’ll have the chance to win these incredible prizes: Grand Prize: 2 VIP suite tickets & a limo ride to and from the concert Two runners-up: 2 floor-seat tickets each How to enter Entering is easy. Simply head over to Facebook and/or Instagram and follow these steps: Facebook Visit the Mountain America Facebook page. Enter your…
  • How 401(k) Retirement Planning Has Evolved

    Mountain America
    27 Aug 2015 | 10:05 am
    Retirement savings is a piece of financial planning that rewards those who plan and are proactive. There are more than 52 million Americans who participate in a 401(k). Although this is the most common form of retirement savings, many participants don’t make plans beyond the initial enrollment. There are many factors that contribute to a successful retirement plan and here are a few to consider. RESPONSIBILITY OF THE INDIVIDUAL: In recent years, retirement plans have shifted away from pensions and other sources of guaranteed income. At the same time, life expectancy has risen and today we…
  • The Benefits of Home Ownership

    Mountain America
    26 Aug 2015 | 12:51 pm
    Buying your first home is an important step on the path to achieving the American Dream. Studies and surveys have shown that home ownership can support financial stability, open up a path to community involvement and lead to educational opportunities for your children. In fact, home ownership can have a profoundly positive effect on your life and the life of your family. Check out all the details in our infographic, The Benefits of Home Ownership: Download our free eBook, The ABCs of Buying Your First Home, to help you get started.This book offers a practical approach to the home buying…
  • Day Trippin’ in Utah – Extreme Fun in Ogden

    Mountain America
    25 Aug 2015 | 8:24 am
    In this last installment of Day Trippin’ in Utah, we take you skydiving, surfing and climbing—all in one day! If you have the need to push the envelope, but extreme sports with the added risk of unpredictable rugged terrain is just too scary for you, this could be the best day trip for you. Located all in the same block of The Junction in downtown Ogden, you can take advantage of rock climbing at iRock Utah, skydiving at iFly Utah and surfing at Flowrider Utah. Although a bit tamer than participating in each of these extreme sports out in the wild, this adventure is definitely not for the…
  • How to Get Your Credit Score Ready for Buying a Home

    Mountain America
    21 Aug 2015 | 2:22 pm
    Lenders use a variety of tools to determine your likelihood of repaying your home loan, but one of the most important reference points is your credit score. As such, you will want to make sure your credit score is in good shape when you apply for a mortgage. You can request copies of your credit reports from the 3 major credit reporting agencies (Experian, Equifax and TransUnion) that summarize your lines of credit with their limits, balance, minimum payments and payment history. Lenders rely on your credit reports and scores to evaluate your future behavior. You can access your free credit…
 
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    Banking Sense

  • What is Gap Insurance? A Primer

    Natalie Cooper
    29 Aug 2015 | 3:30 pm
    Insurance is a complete waste of money until you need to use it. Then you’re happy you had it. Most people don’t even know that GAP insurance is available until such time as they’re involved in a total loss of their vehicle by collision or theft. By then, it’s too late. The reason for GAP insurance Whether it’s a Mitsubishi or Mercedes Benz, if you financed the vehicle, your insurance is probably insufficient to pay off your loan balance in the event of a total loss or theft. Read your policy language, and you’re likely to learn that under those…
  • Can You Learn to Invest with Online Trading Academy?

    Natalie Cooper
    29 Aug 2015 | 1:00 pm
    Online Trading Academy is a website for people to learn how to trade a variety of different assets. The OTA trains their students in both the general terms and ideas that underlie trading markets and the specific terms the school uses, as well as the special rules-based strategy that the instructors teach. In addition to the education and lectures, the OTA also provides hands-on experience executing trades on the school’s dollar and the ability to see an experienced trader in action by sharing desktops. The school offers classes that can be taken in person at one of their 38 locations…
  • 10 Private Student Loans You Should Look Into

    Natalie Cooper
    29 Aug 2015 | 10:00 am
    Private student loans are a tricky ordeal for students looking to get educational loans, because different private loan providers have varying interest rates and loan policies. It is thus important that any student considering to apply for a private student loan should explore the options so as to make the best choice. These ten private student loan are worth taking a look at for the potential applicant. It is, however, essential to note that this is just but a sample of some of the leading private student loan providers and the list is arranged in no particular order. 1. StudentLoan.com…
  • 5 Steps to Get the Best Auto Loan Deal

    Natalie Cooper
    29 Aug 2015 | 6:00 am
    With so many car deals advertised on television, on the radio and online, how do you know which offer is best for you? While the best deal is the one that allows you to get the lowest price on a vehicle that you want, it can be harder than it looks to accomplish that goal. Let’s take a look at the steps that you should take to get the best deal at the car lot. 1) Know What You Want It is critical that you know what you want and can afford before you talk to a salesperson. Many dealerships are looking to sell you the car that you can get financed for instead of the car that is best for…
  • Improve Your Credit Score in 5 Easy Steps

    Natalie Cooper
    28 Aug 2015 | 3:30 pm
    A low credit score is the financial equivalent to stained clothing. If you wear stained clothes to a job interview, most hiring managers will hesitate to invest in you as an employee. If you don’t take pride in your appearance, they assume you won’t take pride in your work. If your credit score shows that you aren’t responsible with credit, most lenders will doubt your ability to repay them in a timely manner. When you’re ready to put on fresh clothes and make a good impression, follow these simple steps to boost your credit score. 1. Thoroughly review your credit…
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