Banking

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  • Homebuilder Confidence Stabilized In April

    Finance & Banking RSS Feed | JD Supra Law News
    Bilzin Sumberg - Homebuilders
    23 Apr 2014 | 4:08 pm
    On April 15th, the National Association of Home Builders (NAHB) released its National Association of Home Builders/Wells Fargo Housing Market Index (HMI), a widely followed gauge of the outlook for the U.S. housing sector....By: Bilzin Sumberg - Homebuilders
  • Breaking Banks–new bank explosion coming

    The Bankwatch
    Colin Henderson
    18 Apr 2014 | 9:47 am
    As reported in “This is Money” the Financial Conduct Authority has confirmed 29 firms have applied for authorisation to become banks in the UK including authority to offer current accounts, with Tesco, Virgin and Metro named.  Others mentioned in this indepth piece are FaceBooks plans for banking in Ireland. Worth the read. Filed under: Uncategorized
  • Headline News from PaymentsNews.com - April 23, 2014

    Payments News - from Glenbrook Partners
    Payments News Editor
    23 Apr 2014 | 6:33 am
    On the Web: SATOSHI'S REVOLUTION: How The Creator Of Bitcoin May Have Stumbled Onto Something Much, Much Bigger - Business Insider - ""For the first time, two people can exchange a piece of digital property, without any prior relationship, and in a secure way, over the Internet," Jeff Garzik, one of Bitcoin's core developers..." Africa’s Tech Edge - The Atlantic - "How the continent's many obstacles, from widespread poverty to failed states, allowed African entrepreneurs to beat the West at reinventing money for the mobile age..." It's Time for the Industry to Embrace Phased-In,…
  • The Bottom Line: Ancillary Vendors Need Scale and Cooperation to Fight the Core Players

    Gonzobanker.com
    Scott Hodgins
    9 Apr 2014 | 5:57 pm
    GonzoBankers, did you see the recent major bank tech news? It’s a whopper for bank tech geeks like me. Looks like Bottomline Technologies (NASDAQ: EPAY) is going to acquire online account opening powerhouse Andera for $45 million in cash and 102,000 shares of Bottomline stock (trading at about $35 per share as of mid-day 4/3/14). If you missed the press release from The Wall Street Journal, check it out here. While it saddens me to see this deal from the perspective of Andera/oFlows employees who may dearly miss their independence, I think it is a superb play for Bottomline. First,…
  • New York Financial Regulator Uses Dodd-Frank to Sue Auto Lender

    NYT > Banking Industry
    22 Apr 2014 | 10:00 pm
    Benjamin Lawsky, New York State’s superintendent of financial services, accused the Condor Capital Corporation of siphoning millions of dollars away from borrowers’ accounts.
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    Gonzobanker.com

  • The Bottom Line: Ancillary Vendors Need Scale and Cooperation to Fight the Core Players

    Scott Hodgins
    9 Apr 2014 | 5:57 pm
    GonzoBankers, did you see the recent major bank tech news? It’s a whopper for bank tech geeks like me. Looks like Bottomline Technologies (NASDAQ: EPAY) is going to acquire online account opening powerhouse Andera for $45 million in cash and 102,000 shares of Bottomline stock (trading at about $35 per share as of mid-day 4/3/14). If you missed the press release from The Wall Street Journal, check it out here. While it saddens me to see this deal from the perspective of Andera/oFlows employees who may dearly miss their independence, I think it is a superb play for Bottomline. First,…
  • Attaining the Elusive Phase 2

    Jim Trautwein
    3 Apr 2014 | 12:56 pm
    The best way for a financial institution to improve user satisfaction on any system – including core – is to change it. Period. Invariably, once a new system is in place, the old system is remembered fondly as the best system users ever had. It was simple to use, it was fast, information was right at users’ fingertips. It was easy to get the job done and serve the customer. They’d sacrifice a limb to get it back (one of my clients actually offered a left foot to get his old core system back). The new system, despite all the promises made during the selection and sales cycle, just…
  • What Would Jeff and Steve Say?

    Terence Roche
    17 Mar 2014 | 4:52 pm
    a.k.a. One Old Guy’s Travels through the World of Multi-Channel Delivery “When in doubt, mumble. When in trouble, delegate. When in charge, ponder.” -James Boren Let’s talk about the multi-channel experience we’re all designing. As we get deeper into the world of branch/Internet/mobile delivery, a very clear planning tenet has been the development of a “seamless, consistent, easy cross-channel experience.” Perfectly valid. Nobody who lives in all of these channels will accept anything but easy. We already know that. So, who at the bank owns the development of that experience?
  • GonzoBanker’s Payments Mail Bag

    Bob Roth
    6 Mar 2014 | 4:36 pm
    I’ve been inundated, GonzoBankers, INUNDATED with questions from our Fair Readers about what’s really happening in the payments world. Maybe it’s because I have an understanding face, or maybe it’s because I’ve carelessly allowed my name to become associated with payments expertise. Whatever the reason is, the payments-related phone calls and letters won’t stop. With a dearth of standards and 120 hungry vendors for each good idea, the payments world is a freaking mess right now. I get why the questions are mounting, so like any good banker, I’ll use the industry’s disarray as…
  • It’s Time to Uncork Commercial Relationship Revenue

    Steve Williams
    26 Feb 2014 | 1:42 pm
    There is a brutal feeding frenzy occurring in the banking industry today: the complete commoditization of mainstream commercial and commercial real estate lending. Like a pack of vultures picking at the flesh of a potential new mini-perm deal or term loan, liquidity-rich banks are feverishly bidding down pricing into the zone of shareholder destruction. We see fixed-rate deals for 7 to 15 year terms that carry coupons lower than many banks’ net interest margins. Despite calls for sanity from every senior loan committee across the country, the brinksmanship continues. Business customers have…
 
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    NetBanker

  • Last Chance for FinovateSpring 2014 Tickets!

    Eric Mattson
    23 Apr 2014 | 1:58 pm
    FinovateSpring 2014 is almost here and we are very excited! With every passing hour, we are skyrocketing towards a new attendance record for the conference (and for any Finovate in our 20-show history)! Based on current trends, we're projecting almost 1,400 innovators will be in the audience to watch the future of financial technology unfold. (A few tickets do remain so please register soon to lock in your seat before it is too late.)While we are thrilled with the record-setting size of the audience, what is truly impressive is the quality of the attendees and the organizations that they…
  • Fintech Unicorns

    Jim Bruene
    23 Apr 2014 | 12:19 pm
    Gilt statue of a unicorn on the Council House, Bristol (Photo credit: Wikipedia)In January, we identified the billion-dollar fintech unicorns (post), but William Mougayar went deeper looking at the tech companies founded since 2000 valued at $250 or more. He compiled a list of 235 companies around the globe. Seventeen of those (7%) we consider fintech (15 if you don't count real estate specialists Zillow and Trulia). The list is not yet complete (more companies are being added by readers), but it's an interesting data point. Highlights: Square has been the alpha unicorn (oxymoron?) since it…
  • Announcing the Full Presenting Lineup for FinovateSpring 2014!

    Eric Mattson
    16 Apr 2014 | 1:34 pm
    FinovateSpring 2014 is less than two weeks away, and the excitement is building! More and more tickets are selling with every passing hour and on April 29 & 30, we're expecting to break Finovate's attendance record for the second year in a row with an audience of over 1,400 industry professionals and entrepreneurs.You've probably already seen a few of the companies presenting at FinovateSpring this year, but a bunch of presenters just came out of stealth mode on Friday to complete the lineup. So, without further ado, here's the full lineup of 68 companies that will demo their latest…
  • Mobile PFM: Tracking Automobile Trips

    Jim Bruene
    14 Apr 2014 | 6:44 pm
    Last week, MileIQ cracked the top-50 in Apple's "Finance | Free" category. Think of it as Fitbit for cars, running in the background automatically logging all car trips (and killing battery life).  At the end of each trip, users categorize the trip by swiping left for personal or right for business (see screenshots below). Users can also annotate transactions by "flipping" them over and typing basic details (see screenshot 2 below). That's basically all there is to the mobile part. Users go to the companion desktop dashboard (screenshot #5) to further categorize…
  • Apply to Demo Your Latest FinTech Innovation at FinovateFall 2014

    Eric Mattson
    9 Apr 2014 | 3:42 pm
    With the presenter roster set for FinovateSpring, we've begun our global search for the financial technology innovations that will be showcased at FinovateFall 2014 on September 23 & 24 in New York City.  Last year, FinovateFall welcomed a sold-out crowd of more than 1,100 executives who witnessed 69 new fintech innovations debut via our signature demo-only format.This fall, based on the early interest, we expect the auditorium to be just as packed and to showcase even more great innovations than last year.If your company is interested in debuting your latest and greatest at the…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - April 23, 2014

    Payments News Editor
    23 Apr 2014 | 6:33 am
    On the Web: SATOSHI'S REVOLUTION: How The Creator Of Bitcoin May Have Stumbled Onto Something Much, Much Bigger - Business Insider - ""For the first time, two people can exchange a piece of digital property, without any prior relationship, and in a secure way, over the Internet," Jeff Garzik, one of Bitcoin's core developers..." Africa’s Tech Edge - The Atlantic - "How the continent's many obstacles, from widespread poverty to failed states, allowed African entrepreneurs to beat the West at reinventing money for the mobile age..." It's Time for the Industry to Embrace Phased-In,…
  • Headline News from PaymentsNews.com - April 22, 2014

    Payments News Editor
    22 Apr 2014 | 6:00 am
    On the Web: 10 Questions: Jeremy Allaire, founder and CEO, Circle - Fortune - "The company aims to make Bitcoin simpler, safer, and easier to use. In light of recent controversy around the virtual currency -- particularly around companies that have failed and lost clients' money -- Allaire is taking his time to make sure Circle will be legitimate and regulated." Tokens and Traditionalists - Drop Labs (Cherian Abraham) - "However with HCE I would go beyond NFC – as finally there is a way to decouple the credential from the radio – and look beyond where the credential is stored, and…
  • American Express Expands Serve Distribution to Walmart

    Payments News Editor
    21 Apr 2014 | 11:02 am
    American Express announced that American Express Serve, its full service reloadable prepaid account, will be available for purchase at 4,100 Walmart stores nationwide. The Walmart stores will also become a part of Serve’s free cash reloading network - extending the network across 19,500 U.S. Walmart, CVS/pharmacy®, and participating 7-ELEVEN® locations. By offering American Express Serve alongside Bluebird at Walmart, we’re expanding our portfolio of products to meet the needs of more Walmart shoppers,” said Dan Schulman, group president, Enterprise Growth at…
  • Headline News from PaymentsNews.com - April 21, 2014

    Payments News Editor
    21 Apr 2014 | 10:25 am
    On the Web: Mobile-Payments Startup Square Discusses Possible Sale - Wall St. Journal - "With losses widening and cash shrinking, representatives of mobile-payments startup Square Inc. have discussed a possible sale to several deeper-pocketed rivals, according to people familiar with the matter." Facebook: Taking on PayPal with socially useful banking - The Independent (UK) - "As a new entrant to the financial-services marketplace, Facebook therefore has a huge advantage. It remains the go-to social network which gives it instant access to potentially millions of fed up UK bank customers."…
  • Headline News from PaymentsNews.com - April 18, 2014

    Payments News Editor
    18 Apr 2014 | 3:34 am
    On the Web: 3 Million Customer Credit, Debit Cards Stolen in Michaels, Aaron Brothers Breaches - Krebs on Security - "Nationwide arts and crafts chain Michaels Stores Inc. said today that two separate eight-month-long security breaches at its stores last year may have exposed as many as 3 million customer credit and debit cards." On the Wires: Michaels Identifies and Contains Previously Announced Data Security Issue - "After weeks of analysis, the Company discovered evidence confirming that systems of Michaels stores in the United States and its subsidiary, Aaron Brothers, were attacked by…
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    The Bankwatch

  • The “Social Progress Imperative” (Michael Porter) rates US very low on basics

    Colin Henderson
    20 Apr 2014 | 8:06 pm
    Michael Porter from Harvard and The Social Progress Imperative has released the Social Progress Index 2014.  The findings are revealing and in some respects stunning.  This index is not based on money spent;  it is based on outcomes, such as % of children who attend primary school, and other education statistics. The result assesses most countries in the world but I took a subset of countries and only two index summaries, i.e. access to basic knowledge (think % of children at school) and access to information and communication (think % of people with mobile phones). US is very…
  • Breaking Banks–new bank explosion coming

    Colin Henderson
    18 Apr 2014 | 9:47 am
    As reported in “This is Money” the Financial Conduct Authority has confirmed 29 firms have applied for authorisation to become banks in the UK including authority to offer current accounts, with Tesco, Virgin and Metro named.  Others mentioned in this indepth piece are FaceBooks plans for banking in Ireland. Worth the read. Filed under: Uncategorized
  • A great description of transformative payments | David Marcus

    Colin Henderson
    18 Apr 2014 | 8:12 am
    This is one of the clearest posts I have seen describing next generation payment experience.  The emphasis on the word experience.  Payments shifted from something that interrupts and makes you line up and wait, to something that simply happens in the background; in particular with the BLE example described in this extract. Three Trends That Might Transform The Retail Payments Experience | David Marcus President Paypal For example, we have a pilot running in our on-campus Starbucks that combines Beacon, with an app built for the Samsung Galaxy Gear 2, and Gear Fit devices. Walk into…
  • The MintChip experiment appears to be over and is being sold off

    Colin Henderson
    7 Apr 2014 | 10:29 am
    About 18 months ago I attended the introduction of Mintchip by the Royal Canadian Mint. Royal Canadian Mint takes on digital cash Mintchip is a project of the Royal Canadian Mint designed to provide an infrastructure for payments that would replace cash. But now in a dramatic change of strategy, they are intending to divest Mintchip to the private sector.  This is disappointing.  In the article it is clear progress was being made, and alliances arranged with security and terminal vendors.  It is unclear what the future will hold for MintChip now. It is especially disappointing…
  • Game changing banking technology announcement

    Colin Henderson
    31 Mar 2014 | 11:07 pm
    Once in a while I am fortunate enough to get a hold of embargoed material.  This one is expected to be released to the public in about 1 month but I was able to get exclusive rights to release this now. Here is a senior management communication from a well known bank with what I can only describe as game changing technology for financial services.  In a few days I will be able to provide additional exclusive detail, but meantime this is just too good not to share. Enjoy this internal management letter. To All Management: Many of you are engaged in our scheduled enhancements to our online…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • Hawaii solar energy firm Sopogy's assets being liquidated

    Duane Shimogawa
    23 Apr 2014 | 6:00 pm
    Sopogy Inc., one of Hawaii’s oldest solar energy companies, which recently shut down its operations, is in the middle of an insolvency proceeding with its assets currently being liquidated, the Los Angeles attorney for the Honolulu-based company told PBN. Steven Spector, a shareholder of Buchalter Nemer, was tapped by Sopogy to handle its insolvency proceeding, which is basically a close-down of its business operations and liquidation of its assets. He said that a third party, Insolvency Services…
  • Hawaiian Springs expands to new market, and King's Hawaiian gets a sweet $135M finance deal

    Bill Cresenzo
    23 Apr 2014 | 5:49 pm
    Bread and water are big business for King's Hawaiian and Hawaiian Springs Ltd., two companies with ties to Hawaii. Hawaiian Springs has secured a contract to sell its botted water from the Big Island in the Albertsons Market chain in California, Nevada, New Mexico, Arizona and Texas. The company's water is now available in 4,000 Mainland stores. Last year, the company expanded into 60 BevMO! stores in California and Washington. And King's Hawaiian, the Torrance, Calif., maker of the popular Hawaiian…
  • Former CertusBank execs sue over firing, claim plot of "lies and half-truths"

    Adam O'Daniel
    23 Apr 2014 | 5:30 pm
    The fired former executives of CertusBank believe they are the victims of an intentional plot by at least one shareholder to spread “lies and half-truths” that ultimately led to their dismissal, according to a legal complaint filed in federal court. CertusBank co-founders Executive Chairman Milton Jones, CEO Walter Davis and President Angela Webb filed a lawsuit Wednesday in U.S. District Court, alleging hedge fund manager and defendant Benjamin Weinger, and possibly others, spread misinformation…
  • $15 wage committee fails to find consensus but is 'very, very close'

    Marc Stiles
    23 Apr 2014 | 4:30 pm
    Seattle Mayor Ed Murray's Income Inequality Advisory Committee's final meeting on Wednesday ended without an agreement, and Murray said he plans to announce a plan on Thursday "for how we raise the minimum wage in this city." Murray issued his statement as activists who support raising the minimum wage to $15 an hour were preparing to rally at City Hall. The group will form a circle around the block "with a chain of multicolored signs that show who we are and why we need $15 for Seattle," states…
  • Casinos boost Churchill Downs revenues in first quarter

    Ed Green
    23 Apr 2014 | 3:40 pm
    Churchill Downs Inc. reported Wednesday that first-quarter revenue reached record levels, largely the result of increases in revenue from its casino division. However, the Louisville-based company, which operates racetracks, casinos and an online gaming unit, reported a first-quarter net loss of $700,000, or 4 cents per share, compared with net income of $1.1 million, or 6 cents per share, during the first quarter of 2013. Revenue rose to a first-quarter record $167.3 million from $147.9 million…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Hawaii solar energy firm Sopogy's assets being liquidated

    Duane Shimogawa
    23 Apr 2014 | 6:00 pm
    Sopogy Inc., one of Hawaii’s oldest solar energy companies, which recently shut down its operations, is in the middle of an insolvency proceeding with its assets currently being liquidated, the Los Angeles attorney for the Honolulu-based company told PBN. Steven Spector, a shareholder of Buchalter Nemer, was tapped by Sopogy to handle its insolvency proceeding, which is basically a close-down of its business operations and liquidation of its assets. He said that a third party, Insolvency Services…
  • Hawaiian Springs expands to new market, and King's Hawaiian gets a sweet $135M finance deal

    Bill Cresenzo
    23 Apr 2014 | 5:49 pm
    Bread and water are big business for King's Hawaiian and Hawaiian Springs Ltd., two companies with ties to Hawaii. Hawaiian Springs has secured a contract to sell its botted water from the Big Island in the Albertsons Market chain in California, Nevada, New Mexico, Arizona and Texas. The company's water is now available in 4,000 Mainland stores. Last year, the company expanded into 60 BevMO! stores in California and Washington. And King's Hawaiian, the Torrance, Calif., maker of the popular Hawaiian…
  • Former CertusBank execs sue over firing, claim plot of "lies and half-truths"

    Adam O'Daniel
    23 Apr 2014 | 5:30 pm
    The fired former executives of CertusBank believe they are the victims of an intentional plot by at least one shareholder to spread “lies and half-truths” that ultimately led to their dismissal, according to a legal complaint filed in federal court. CertusBank co-founders Executive Chairman Milton Jones, CEO Walter Davis and President Angela Webb filed a lawsuit Wednesday in U.S. District Court, alleging hedge fund manager and defendant Benjamin Weinger, and possibly others, spread misinformation…
  • $15 wage committee fails to find consensus but is 'very, very close'

    Marc Stiles
    23 Apr 2014 | 4:30 pm
    Seattle Mayor Ed Murray's Income Inequality Advisory Committee's final meeting on Wednesday ended without an agreement, and Murray said he plans to announce a plan on Thursday "for how we raise the minimum wage in this city." Murray issued his statement as activists who support raising the minimum wage to $15 an hour were preparing to rally at City Hall. The group will form a circle around the block "with a chain of multicolored signs that show who we are and why we need $15 for Seattle," states…
  • Casinos boost Churchill Downs revenues in first quarter

    Ed Green
    23 Apr 2014 | 3:40 pm
    Churchill Downs Inc. reported Wednesday that first-quarter revenue reached record levels, largely the result of increases in revenue from its casino division. However, the Louisville-based company, which operates racetracks, casinos and an online gaming unit, reported a first-quarter net loss of $700,000, or 4 cents per share, compared with net income of $1.1 million, or 6 cents per share, during the first quarter of 2013. Revenue rose to a first-quarter record $167.3 million from $147.9 million…
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    Bank Lawyer's Blog

  • States Pointing Out Problems With Choke Point

    Kevin Funnell
    20 Apr 2014 | 7:59 pm
    According to the American Banker (paid subscription required), state bank regulators are expressing their concern that the DOJ and federal bank regulators "Operation Choke Point" is throttling more than some bad guys the operation is supposedly intended to target. Banking regulators in states that allow payday loans have become concerned that legally operating lenders are losing their banking relationships as a result of the multipronged federal effort, according to Margaret Liu, senior vice president at the Conference of State Bank Supervisors. The worry is that banks — in the…
  • When Curry Speaks, All Banks Should Listen

    Kevin Funnell
    17 Apr 2014 | 7:45 pm
    The Comptroller of the Currency Thomas Curry gave a speech the other day (paid subscription required), and emphasized a couple of points that vendor management folks at financial institutions with various charters--state and federal, bank and credit union--and the lawyers who represent them,  would be wise to heed. Comptroller of the Currency Thomas Curry said his agency is increasingly concerned about the cybersecurity risks from banks relying too much on certain vendors and using service providers in foreign countries. Banks can end up becoming dependent on certain vendors because of…
  • Shaming The Shameless

    Kevin Funnell
    15 Apr 2014 | 7:52 pm
    Venable LLP's Randy Shaheen and Amy Mudge might just be prime candidates for guest posts on Bank Lawyer's Blog. A recent "All About Advertising Law" post launched a snark attack that made this blogger proud. The victim was every banker's bête noire, the CFPB, and the cause for the caustic comments was the CFPB's apparent hypocrisy. According to the American Banker, an outspoken critic of indirect auto lenders, Harry Douglas Lane, was in the audience at a recent CFPB forum and was called upon to speak as an audience participant. However, no one in attendance or…
  • Fannie Slams The Door Shut

    Kevin Funnell
    13 Apr 2014 | 7:57 pm
    Alleged shenanigans in foreclosure proceedings by lenders' counsel in Colorado, which we've previously discussed here and here, have prompted some serious consequences for two of the law firms fingered in the investigations. Fannie Mae is not going to send its foreclosure business to two specific law firms in Colorado, effective immediately, the government-sponsored enterprise can confirm. "Fannie Mae has instructed servicers to cease referrals of new foreclosure cases to Aronowitz & Mecklenburg and the Castle Law Group and to transfer existing cases at those law firms to…
  • ICBA Tries To Break The Choke Hold

    Kevin Funnell
    10 Apr 2014 | 7:31 pm
    The ICBA is starting to gag on Operation Choke Point. Before it and its members pass out from lack of oxygen, it's demanding that the Department of Justice loosen its grip on the windpipes of its members. In a letter Tuesday to the DOJ, Independent Community Bankers of America president Camden Fine argues that the investigation known as Operation Choke Point has an overly broad scope and is hurting community banks' ability to compete with their larger peers. [T]he ICBA letter suggests that the Justice Department is singling out smaller banks. "The indiscriminate targeting of…
 
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
 
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
 
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
 
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
 
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  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
  • add this feed to my.Alltop

  • Sarandon's outfit had us very confused

    23 Apr 2014 | 6:46 pm
    Sarandon's outfit had us very confused Getty At the Tribeca Film Festival, Susan Sarandon's getup was definitely not the best we've seen. More looks from the events News from Hollywood Singer's prank made children cry Bieber offends many in Japan
  • NYPD Twitter campaign backfires

    23 Apr 2014 | 6:46 pm
    NYPD Twitter campaign backfiresGettyThe NYC police asked people on Twitter to post feel-good photos with their officers.20 of the shocking photos they received backMore in newsSmokers smuggling cigarettesTeens solve age old ketchup problem
  • Astronaut: 'City-killing' asteroids are real

    23 Apr 2014 | 6:46 pm
    Astronaut: 'City-killing' asteroids are real GettySpace experts and 'asteroid hunters' sent out an alarming message Tuesday warning of dangers.What 'nuclear detectors' accidentally heardMore to noteOcean sound mystery solved Theory for stowaway's survival
  • Huge news for fans of Led Zeppelin

    23 Apr 2014 | 6:46 pm
    Huge news for fans of Led ZeppelinGettyNo, it's not a reunion tour. But the legendary band's announcement is getting widespread attention.'A portal to the time of ... Led Zeppelin'More newsBird's nest foils $1.5M project Self-portrait of boy goes viral
  • Portrait of ferry's captain begins to emerge

    23 Apr 2014 | 6:46 pm
    Portrait of ferry's captain begins to emergeAPLee Joon-seok, 68, has 40 years of experience at sea, and colleagues of his helped fill in the gaps about his reputation on Wednesday.Assessment his helmsman gaveMore on the sunken ferryBillionaire's home searched Ferry owner has checkered past
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    About.com Banking / Loans

  • Some Student Loans due at Co-Signer's Death

    22 Apr 2014 | 11:35 am
    Usually it's helpful to have a co-signer. That person allows you to qualify for a loan that you otherwise wouldn't receive by promising to repay the loan if you are unable or unwilling to do so. Unfortunately, having a co-signer might be a liability years later -- even if you've been making payments on time....Read Full Post
  • Ways to Protect your Credit

    18 Apr 2014 | 9:43 am
    With all of the data and security breaches lately, you may wonder what you can do to protect yourself from identity theft. The main thing is to keep an eye on your account activity and check your credit reports regularly. If you want to step it up a notch (or more), you can also take measures to protect your credit information. Experian just published a nice infographic that explains how you can do that and compares the features of two approaches: a credit freeze and a fraud alert....Read Full Post
  • Breaches and Bugs Last a Long Time

    15 Apr 2014 | 11:04 am
    Heartbleed is the latest threat to your identity and online security, and it's worth paying attention to. However, as in many cases, there's little that you can do besides monitor your accounts for suspicious activity (and change passwords after websites have updated their systems)....Read Full Post
  • Bankrate Surveys Prepaid Card Fees

    10 Apr 2014 | 2:20 am
    Want to know how your prepaid debit card stacks up? Are you paying too much in fees? It's tough to find out without going through the fee sheets of numerous cards. But that's exactly what Bankrate did as part of the 2014 Prepaid Debit Cards Survey. They looked at 30 cards with a focus on monthly fees, ATM fees, and purchase fees (there are about a million different types of prepaid card fees out there)....Read Full Post
  • Stop Paying Grey Charges

    8 Apr 2014 | 10:07 am
    "Grey charges" are charges to your credit or debit card that you probably don't notice. They're not exactly fraudulent charges, but they are questionable. They may look small at first glance, but according to Equifax and BillGuard, those fees can add up to $500 or more over the course of a year....Read Full Post
 
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    MyBankTracker.com

  • Still Waiting on Your Tax Refund? Find Out When It’ll Arrive

    Simon Zhen
    23 Apr 2014 | 4:00 pm
    Christopher / Flickr | http://www.flickr.com/photos/exalthim/3607254548 The 2014 tax season may be over, but many Americans are still eagerly anticipating their tax refunds. Knowing that they’ll get money back, they probably already have plans for how their tax refunds will be spent, saved or invested. But, when can they expect their refunds to arrive? The IRS says that most refunds are issued in less than 21 calendar days after it has finished processing a tax return and confirm that the tax refund is approved. However, the timer begins only after the tax return gets to the IRS, which…
  • Equity Crowdfunding: Could It Make You Rich?

    Gerald Morales
    23 Apr 2014 | 2:00 pm
    Flickr | https://www.flickr.com/photos/fortunelivemedia/5959033265 Crowdfunding is the process of raising money for a particular cause, event, or product to help fund its cost. Instead of applying for bank loans, people can post their projects on crowdfunding websites such as Kickstarter and Indigogo to sway people to donate money to them in an effort to reach their financial goal. The purpose of crowdfunding is to help those without proper funding to achieve a particular goal. As crowdfunding is becoming more mainstream, investors want a more viable way to maximize returns for their…
  • Closing On My Foreclosure Dream Home

    Shirley Pulawski
    23 Apr 2014 | 11:00 am
    Flickr | https://www.flickr.com/photos/markhogan/5907272053 Shirley Pulawski is a freelance writer for MyBankTracker.com who bought a house on foreclosure in Buffalo, NY back in 2000 and has written about buying foreclosure properties. This multi-part series chronicles her experience with buying, fixing, renting, and eventually selling the house for three times her costs in 2003. After I began the process of searching through foreclosure listings and visiting properties with my real estate agent, I put in an offer on what was the perfect property for me. What followed was an agonizing week…
  • Who Are America’s 10 Highest-Paid CEOs?

    Gerald Morales
    23 Apr 2014 | 8:00 am
    Flickr | https://www.flickr.com/photos/hyku/4700820564 Some of the top companies in America are worth billions of dollars, so how much do their CEOs earn annually? The topic of how much top CEOs earn has been a controversial one, to say the least, as many feel these chief executives are way overpaid. Recently, Facebook CEO Mark Zuckerberg requested an annual salary of $1, joining the circle of other incredibly wealthy executives such as Google’s Sergey Brin and Larry Page (each worth $30 billion), who have both taken home a $1 salary for over 10 years. A study from Equilar has revealed…
  • Save Money: 5 Expenses You Don’t Need

    Shirley Pulawski
    23 Apr 2014 | 2:00 am
    Flickr |https://www.flickr.com/photos/schmilblick/252772357 Everyone likes having extra cash, and saving money every month doesn’t have to mean making big sacrifices in time, effort, or enjoyment. Take a look at how you use some of the goods and services you pay for each month, and you’ll probably discover that there are some money-saving alternatives. Here are a few ways to save money on five common household expenses. 1. Cable TV Let’s face it: having lots of channels still hasn’t put the phrase “There’s nothing on” out of business. Most of us still…
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    Payments Views from Glenbrook Partners

  • Dennis Moser on Merchant Payments Complexity

    George Peabody
    17 Apr 2014 | 5:08 am
    Dennis Moser is Glenbrook’s payments systems expert.  He’s worked on building the engines that make payment networks run, especially the critical component of the POS and payment acceptance infrastructure.  He’s also been neck deep in payment data management systems, both as a designer and as a data mining practitioner. Dennis and I have worked together on a few projects for merchants looking to strengthen their security posture and to get ready for EMV while expanding their payments acceptance flexibility.  After all, we’re in a new world of payment initiation methods.  Given…
  • Glenbrook Launches Insight Workshop Bitcoin: Basics and Beyond

    George Peabody
    10 Apr 2014 | 3:00 am
    Any reader of Payments Views knows that most of us at Glenbrook are impressed by the potential of math-based currencies (MBCs). And all of us agree that participants in the payments industry (in the broadest sense) need to understand Bitcoin and its crypto-currency relatives. Having seen so many Internet technologies grow from concept to first iteration and then radiate into multiple roles, we’re convinced that math-based currencies are going to follow a similar arc. We already see remarkable applications in payments and value transfer. Further evolution is inevitable. That’s the…
  • Bitcoin is like…

    Carol Coye Benson
    7 Apr 2014 | 5:00 am
    As is the case with many people in our industry, I’ve been giving  a lot of thought recently to Bitcoin.  When ever I run into something new, or puzzling, I try to find comparisons to help me understand it.  And comparisons abound in Bitlandia.  Many people compare it to the Internet, in terms of significance.  To cash, of course, in terms of its “I give it directly to you” attributes.  Some of my colleagues like the comparison to a bank’s ledgers.  And many compare it to gold, to tulips, etc. But I think one of the more intriguing angles is to compare it to the…
  • Plaid – A Modern API for Card Data

    Russ Jones
    1 Apr 2014 | 7:51 am
    Our work in payment data cuts across many areas. Who has what data? How is it best monetized? How can it be put to use for better decision making? How can it be augmented and enhanced. It’s in this last area of “enhancements” that we’ve become fascinated with a new startup company called Plaid. They are making the first serious attempt we’ve seen in a while that rethinks the quality of the transaction data. Every consumer knows how confusing it can be to open up a statement or view their recent activity and find a bunch of transactions for purchases that are not obvious at first…
  • Same Day ACH – A Step (or Lurch) Ahead

    Carol Coye Benson
    25 Mar 2014 | 12:53 pm
    NACHA recently announced plans for a phased introduction of same-day settlement for ACH.  I spoke with NACHA President and CEO Jan Estep this morning about the initiative. First of all, I congratulate Jan – and the ACH community – for picking up the fallen banner, for as we know, a previous version of this was defeated by NACHA members last year.   It’s not easy to get some 13 thousand financial institutions to agree on anything.  But what NACHA is proposing is a good step forward – if, of course,  they can get the banks to agree this time! There are many threads to the…
 
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    LoanSafe

  • Tampa Bay Mortgage Broker Admits to Loan Fraud

    Moe Bedard
    23 Apr 2014 | 10:37 am
    Alejandro Matos, a Tampa Bay mortgage broker and loan processor admitted to conspiracy to commit wire, mail, and bank fraud last Friday. A date for his sentencing has not been sent yet, but Matos faces a maximum penalty of 30 years in federal prison. According to the defendants plea agreement, Matos was a real estate professional […]
  • Home Sales and Home Prices Rise in March

    Moe Bedard
    23 Apr 2014 | 10:33 am
    A new report released yesterday from the National Association of Realtors (NAR) found that existing home sales were more constant than anything else in March, while at the same time the growth seen in home prices moderated. Lawrence Yun, NAR chief economist, said this about current sales activity; “There really should be stronger levels of […]
  • Mortgage Applications Fall for the First Time in Weeks

    Moe Bedard
    23 Apr 2014 | 8:57 am
    The Mortgage Bankers Association (MBA), a national association representing the real estate finance industry reported this morning that while the average loan size for purchase applications reached its highest level in the history of the MBA survey at $280,500, mortgage applications fell 3.3% on Friday, April 18, 2014 from the previous week. According to the […]
  • US Housing Market Improving in More Than 50% of the Country

    Moe Bedard
    23 Apr 2014 | 8:30 am
    Foreclosures are down and the home buyers are out for some spring time property shopping. However, the main problem they will find when searching for that perfect home is that there is simply a lack of housing inventory to choose from. This thin supply of available homes in turn causes house values to rise, and lack luster […]
  • Current Mortgage Rates for Wednesday April 23, 2014

    Moe Bedard
    23 Apr 2014 | 7:30 am
    Current mortgage rates at the nation’s top lenders are both up and down this morning at the nation’s top lenders. For rates based on conventional mortgage programs; The 30-year fixed rate mortgage (FRM) increased at Bank of America under their home purchase program. At Wells Fargo, the 30-year FRM increased under their refinance program. The 5-year ARM increased at […]
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    Bank Marketing Strategy

  • For The Best In Bank Marketing Strategies, Go To The Financial Brand

    8 Apr 2014 | 7:06 pm
    Effective immediately, all articles from Jim Marous appear in the Retail Banking Strategies section of The Financial Brand. Many of the most popular articles written for Bank Marketing Strategy in the past are already migrated to the new location. By late June 2014, all of the remaining content from Bank Marketing Strategy will be available at the new location. If you are a subscriber to Bank Marketing Strategy, you will be receiving an email newsletter every other week containing all of the articles I have written over the previous 14-day period (eventually this will be a weekly…
  • Bank Marketing Strategy Joins The Financial Brand

    3 Apr 2014 | 9:00 pm
    Beginning today, Bank Marketing Strategy will be known as Retail Banking Strategies and will become part of The Financial Brand.Go to the new site. When I launched Bank Marketing Strategy over four years ago, the financial services industry was a lot different than it is today. We were in the middle of a huge financial crisis, the first iPad was just introduced, and banking customers were still more likely to go to branches than to bank on mobile devices.My website began as a quest to better understand social media and content creation, with early posts generating less than 100 page…
  • 10 Ways iBeacon Can Improve Banking Sales & Service

    30 Mar 2014 | 9:00 pm
    At a time when banks and credit unions are trying to improve the economics of branch banking, iBeacon could deliver a personalized digital sales experience as soon as the customer enters a branch office.iBeacon, working in conjunction with Bluetooth Low Energy (BLE), can integrate the physical and mobile channels, enabling a bank's mobile app to deliver highly tailored digital promotions, coupons or offers directly to the consumer's smartphone when the customer is in the general vicinity of an office, at any specific location within an office or at an ATM.There are already more than 200…
  • How to Become Your Customers' Everyday Bank

    25 Mar 2014 | 9:00 pm
    Banks have a unique opportunity to capitalize on the vast amounts of customer insight they hold to go beyond simply facilitating payments. They can reinvent themselves as an Everyday Bank, helping customers reach decisions about what to buy, when and where to purchase, and even helping to negotiate the best deals in a ubiquitous format.Non-banks are capturing more and more of the banking value chain, providing services such as payments, checking and even savings accounts that could erode as much as one-third of traditional bank revenues by 2020 according to Accenture. These new entrants pose…
  • Omnichannel Banking: More Than a Buzzword

    23 Mar 2014 | 9:00 pm
    As customers continue to change their channel usage patterns, banks and credit unions must focus on delivering a consistent and seamless experience across various touch points. More than just a buzzword, omnichannel banking is an opportunity to deliver bottom line results by gaining insight into customer's channel preferences and behavior.Today's customers are becoming highly sophisticated and are accustomed to receiving seamless service and targeted offers from companies like Amazon regardless of the device in use. So, it should come as no surprise that these same customers are beginning to…
 
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    SBOBET Indonesia Judi Bola/Casino Teraman

  • Van Marwijk memuji Van Persie evolusi

    admindw2131234
    1 Apr 2014 | 4:18 am
    Pelatih Belanda Bert van Marwijk yakin Robin van Persie bandarbola telah berkembang menjadi striker yang lengkap. Man Arsenal Van Persie memimpin daftar pencetak gol terbanyak Liga Inggris dengan 23 istilah ini, dan telah menjadi salah satu yang paling ditakuti tajam – penembak di Eropa. Van Persie diharapkan untuk memimpin garis Belanda di Rabu persahabatan internasional melawan Inggris. “Robin adalah dalam bentuk besar. Dia adalah sedikit berbeda sekarang, dia mencetak banyak gol sekarang, dia tengah ke depan,”kata Van Marwijk. “Biasanya, dia adalah pemain yang…
  • UEFA setuju perlengkapan pemotongan kesepakatan

    admindw2131234
    1 Apr 2014 | 4:17 am
    UEFA dan klub-klub Eropa telah mencapai kesepakatan untuk taruhan bola online terpercaya mengurangi jumlah pertandingan internasional dalam setahun, meskipun FIFA tetap menentang kesepakatan itu. Kesepakatan itu meramalkan jumlah pertandingan header ganda dipotong menjadi sembilan selama periode dua tahun, meskipun klub meminta jumlah saat ini 12 per tahun untuk dibagi dua. Hal ini juga menetapkan bahwa kedua pertandingan di double- header harus dimainkan di benua yang sama dan bahwa tidak akan ada pertandingan persahabatan internasional yang dimainkan pada bulan Agustus. Namun, badan sepak…
  • Tevez dalam antrean untuk Swansea kembali

    admindw2131234
    1 Apr 2014 | 4:16 am
    Carlos Tevez bisa kembali melawan Swansea City di Liga Premier situs taruhan bola pada 11 Maret setelah bermain 45 menit untuk tim cadangan Manchester City. Cadangan pelatih David Platt mengawasi sepak bola pertama Argentina sejak kedatangannya ke Manchester saat timnya dikalahkan 3-1 oleh cadangan Preston dalam pertandingan dijadwal ulang di Carrington training ground City pada Selasa. Saklar tempat didalangi untuk menangkal perhatian media dengan pertandingan, bermain di balik pintu tertutup, awalnya dijadwalkan untuk Rabu di Chorley. Platt menarik Tevez di babak pertama sebelum rekan satu…
  • Terry: Operasi Lutut berjalan dengan baik

    admindw2131234
    1 Apr 2014 | 4:15 am
    Kapten Chelsea John Terry telah mengungkapkan operasi pada bandar bola lutut kanannya cedera berjalan baik dan kini berharap bisa kembali beraksi di empat sampai enam minggu. Berita itu berarti musim domestik Terry mungkin tidak lebih dan ia akan hampir pasti siap untuk Kejuaraan Eropa di musim panas ia harus dipilih. Mantan kapten Inggris awalnya dilaporkan cedera pada pergantian tahun tetapi diputar melalui penahan rasa sakit sebelum menerima kebutuhan untuk intervensi medis. “Operasi berjalan dengan baik dan aku merasa benar-benar baik,”katanya kepada The Sun. “Dokter…
  • Stevens takut kehilangan bintang Schalke

    admindw2131234
    1 Apr 2014 | 4:14 am
    Pelatih Schalke Huub Stevens takut klub mungkin tidak bandar judi bola berdaya untuk menjaga Raul dan Jefferson Farfan di luar akhir musim. Laporan media Jerman mengklaim Raul akan meninggalkan pakaian Gelsenkirchen saat kontraknya berakhir pada akhir kampanye, dengan Schalke dikabarkan tidak mampu memenuhi tuntutan upah pemain. Direktur Schalke Horst Heldt mengungkapkan bulan lalu klub telah membuka pembicaraan dengan Spanyol mengenai kontrak baru, tetapi Stevens muncul mengundurkan diri untuk kehilangan striker. “Saya membuat rencana dengan mereka ( Raul dan Farfan ) hanya sampai…
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    Optirate.com

  • Branding ROI – What Is It? How To Measure It?

    Serge Milman
    1 Apr 2014 | 7:00 am
    Experts may debate the meaning of 'is', but luckily the meaning of Branding ROI is much simpler. However, many marketing experts still have not caught on... We define terms such as Brand, Brand Value, and ROI and grade the performance of 9 marketing experts. Read more at http://www.Optirate.com
  • Innovation Is About 10x, Not Tinkering At The Margin

    Serge Milman
    31 Mar 2014 | 7:00 am
    Is Innovation about deploying cloud email services or generating meaningful revenue from new businesses? Consider the views of Phil Swisher, Head of Innovation at BBH. Read more at http://www.Optirate.com
  • Why Great Managers Are Essential But Rare

    Serge Milman
    24 Mar 2014 | 7:00 am
    Great Managers enhance business performance and customer loyalty. Learn the 5 traits common to Great Managers to position the right people to drive organizational success, and help establish a performance culture. Read more at http://www.Optirate.com
  • When Banks say “Innovation” they really mean …

    Serge Milman
    17 Mar 2014 | 7:00 am
    Innovation in Retail Banking? Cutting Edge solutions? American Banker tantalized us with what turns out to be run-of-the-mill process improvement initiatives. Read more at http://www.Optirate.com
  • Banks Are Fools To Provide Everything Customers Want For Free

    Serge Milman
    12 Mar 2014 | 4:00 pm
    Is there a limit on how much value Banks are willing to give away for free? To return to normalcy, Banks must establish reasonable operating models that meet customer needs while generating respectable returns. Read more at http://www.Optirate.com
 
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    spark

  • Social Media in Real Life

    Denise Bahs
    15 Apr 2014 | 2:43 pm
    Lately there has been a rash of virtual situations being made into funny videos, such as my favorite, A Conference Call in Real Life, in which a conference call is played out in a real conference room with all the awkward pauses, technology failures and dogs barking in the background. If you have ever been on a conference call, this is a MUST watch. It got me thinking about other virtual scenarios and what they would look like if played out in real life. And, you can use this as a guide for what is and what is not approriate in social media. Here are a few examples of what not to do in social…
  • Hashtags are suffering a PR problem #donttheygetit?

    Denise Bahs
    25 Mar 2014 | 10:17 am
    If you look at my 13 year old daughter’s Instagram account, #you #might #find #something #like #this #orthis! I tried to explain to her that no one is searching on the term ”#this”, but all I get is the #ohmom eyeroll. Some teenagers and twitter newbies alike don’t understand the actual purpose of hashtags. The actual purpose is marking a term so it can be found in search. See What the Heck is a Hashtag. Here is a great example of hashtag misuse below: misuse of hashtag Almost no one will search on the words, #too or #many. It’s possible that the @Skittles…
  • “You’re On Coke” marketing madness

    Denise Bahs
    10 Mar 2014 | 8:07 am
    Coca-Cola you are snorting something! Dear Coca-Cola, I’ve been a Coke drinker my whole life, but when I saw this billboard outside Detroit, I was confused. I’m a marketing person. From a marketing perspective, I’m questioning your goal? Who are you trying to reach? The implication seems to be that you think this market is made up of a bunch of cocaine users. Because that message would only sit well with a cocaine user – a fist bump kind of thing from one user to another. For those of us who are not cocaine users, it’s offensive. The message, “You’re…
  • “Dammit Jim, I’m a Doctor, not a Bricklayer!” say IBM Business Partners at Pulse show

    Denise Bahs
    28 Feb 2014 | 11:02 am
    I had the wonderful opportunity of sitting down with IBM Business Partners for individual coaching sessions during the big Pulse show in Las Vegas this week. Over the course of two days I met with nearly 30 people and listened to their concerns with regard to social media. Three issues rose to the surface as common problems among them. Only my fellow Trekkies will get this: McCoy said it best, “I’m a Doctor, not a Bricklayer“ Most of the marketing people I met with are marketing experts, not the technical subject matter experts at their company, yet they are charged with…
  • Breaking the Ice with the Brady Bunch – Networking Tips, part 2

    Denise Bahs
    13 Feb 2014 | 11:17 am
    Last week I wrote about the challenges of networking in a room full of strangers. This topic really resonated with a lot of people! It seems I am not the only person to face a room full of total strangers with a bit of apprehension. Although it may seem difficult, you CAN shift from avoiding to embracing this scenario by developing strategies to make it easier, and also by changing your thinking. Some readers chimed in with their own personal strategies and they were so great, I’m passing them along! My personal favorite: One reader referenced the Brady Bunch episode where Mike tells…
 
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    Mountain Money by MACU

  • Saving Money on Spring Break Travel

    Mountain America
    23 Apr 2014 | 2:31 pm
    In the United States, domestic airfare for spring break travel continues to increase every year. If you and your family are eager to get out of town for spring break, use these tips to get a great deal on travel! Get a deal on your flight If you know your destination, it’s important to start tracking airfare as soon as possible. The longer you wait, the more expensive your plane ticket will be, and you might get stuck paying an inordinate amount for something you could have gotten cheaper. By booking your trip six months in advance, you can usually save up to 60 percent of the retail…
  • Tips for Navigating the Complex RV Market

    Jade Beckman
    17 Apr 2014 | 3:09 pm
    Purchasing an RV is a goal many people have on their bucket lists. These buyers generally have a pretty good idea of what they want in an RV and how to get it. For the less-experienced RV shopper, however, there are many things to consider before making a final decision. When you enter the RV market, you should already have a pretty good idea how you are going to use an RV. Opting up for one of the larger RV styles may be tempting, but many people prefer the smaller vehicles. Not only do the vehicles’ prices dramatically increase with size, but larger RVs also tend to require more…
  • The Ultimate Car Question: Lease or Buy?

    Jade Beckman
    15 Apr 2014 | 2:12 pm
    If you’re in the market for a new car, you’re probably in the process of asking yourself the age-old question: should I purchase or lease my car? Most car shoppers opt to purchase their cars, whether by paying in cash or taking out an auto loan. However, while it’s less common, some people decide that leasing a car and changing it every few years is the way to go. So which one is the better choice? The truth is that there is no right answer. Both approaches have their benefits, and what may be right for someone else may not be right for you. It is best to determine what you need…
  • Purchasing an RV

    Jade Beckman
    10 Apr 2014 | 2:23 pm
    Recreational vehicles offer the chance to travel without having to worry about things like hotel reservations, airline tickets and baggage restrictions. Essentially, an RV provides the comforts of home with the freedom of travel. According to the Recreational Vehicle Industry Association, this combination continues to lead more Americans to RV ownership. It’s easy to see why so many individuals are drawn to RV ownership, but deciding to purchase one is only the first step. Though it shares aspects of buying a car, financing an RV purchase offers its own unique challenges. Choosing Your…
  • Auto Loan Mistakes to Avoid

    Jade Beckman
    8 Apr 2014 | 2:21 pm
    It’s a wonderful feeling to buy a new car, and it’s even more wonderful when you know you got a good deal on your auto loan. However, a lot of people make some basic mistakes when shopping for a car loan. If you don’t want your finances to take a hit, avoid these common pitfalls. Don’t rush your decision. You may be eager to get behind the wheel of a new car, but don’t let your excitement push you into making a bad financial choice. Give yourself plenty of time to weigh all of your options. Odds are you didn’t decide to buy the first car you saw, and your…
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