Banking

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  • 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,…
  • Hungary’s Central Bank Seizes Bold Strategies

    NYT > Banking Industry
    16 Apr 2014 | 10:00 pm
    Critics claim the central bank has lost its independence under Gyorgy Matolcsy, whose policies have included aggressive rate cuts.
  • Announcing the Full Presenting Lineup for FinovateSpring 2014!

    NetBanker
    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…
  • Walmart Introduces New Money Transfer Service Powered by Ria

    Payments News - from Glenbrook Partners
    Payments News Editor
    17 Apr 2014 | 6:21 am
    Walmart has announced a new Walmart-2-Walmart Money Transfer Service - calling it a "new low-cost service allows customers to transfer money to and from more than 4,000 Walmart stores nationwide for up to 50 percent less than similar offerings on the market." After listening to our customers complain about the high fees and confusion associated with transferring money, we knew there had to be a solution,” said Daniel Eckert, senior vice president of services for Walmart U.S. “Walmart-2-Walmart brings new competition and transparent, everyday low prices to a market that has become…
  • The MintChip experiment appears to be over and is being sold off

    The Bankwatch
    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…
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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

  • 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…
  • UX Lessons for Card Issuers from the New Starbucks Mobile App

    Jim Bruene
    8 Apr 2014 | 7:39 am
    When I moved to Seattle, Starbucks had just four locations. So I've had a ring-side seat in their climb to worldwide ubiquity. Though not a huge fan of their coffee, I greatly admire their business model, technology, and payments innovations. I have been paying with the Starbucks mobile app for the past few months (note 1) as have 14% of its customers. It's great as long as there is a queue. That gives you plenty of time to go through the 9-step mobile payments process (10 steps with tipping): 1. Dig out your phone 2. Enter the smartphone passcode (if applicable)  3. Locate the app 4.
  • Launching: 2,000 Bitcoin/Crypto-currency Startups

    Jim Bruene
    7 Apr 2014 | 3:51 pm
    Jacob K. Javits Center (Wikipedia)Bitcoin first passed the $200 mark a year ago (vs. $450 today). I didn't know much about it then, figuring it was a fad best left to the speculators to debate. But I was wrong. Bitcoin, or something similar, appears to be here to stay. Case in point: There is a 2,000-person Bitcoin event in NYC today and tomorrow, Inside Bitcoins, at the Javits Center no less. But don't worry if you miss it, the event is scheduled to travel the globe with stops in Hong Kong, Melbourne, Tel Aviv, London, Singapore, Berlin, before landing back in NYC a year from now. In the…
 
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    Payments News - from Glenbrook Partners

  • Walmart Introduces New Money Transfer Service Powered by Ria

    Payments News Editor
    17 Apr 2014 | 6:21 am
    Walmart has announced a new Walmart-2-Walmart Money Transfer Service - calling it a "new low-cost service allows customers to transfer money to and from more than 4,000 Walmart stores nationwide for up to 50 percent less than similar offerings on the market." After listening to our customers complain about the high fees and confusion associated with transferring money, we knew there had to be a solution,” said Daniel Eckert, senior vice president of services for Walmart U.S. “Walmart-2-Walmart brings new competition and transparent, everyday low prices to a market that has become…
  • Headline News from PaymentsNews.com - April 17, 2014

    Payments News Editor
    17 Apr 2014 | 6:11 am
    On the Web: Three Trends That Might Transform the Retail Payments Experience - PayPal Forward Blog (David Marcus) - "The bottom line is that I'm moving from being a massive skeptic of NFC, to being cautiously optimistic on NFC HCE take-up in very specific shopping use cases." Glenbrook's Dennis Moser on Merchant Payments Complexity - "Wrapping up a recent project, we landed on the topic of how merchants should be thinking about their payments infrastructure and how, often, its very complexity causes trouble for the merchant. Here’s the gist of our conversation." On the Wires: MasterCard…
  • Headline News from PaymentsNews.com - April 16, 2014

    Payments News Editor
    16 Apr 2014 | 6:40 am
    On the Web: U.S. Fed's Kocherlakota says interested in bitcoin - Reuters - "Minneapolis Federal Reserve Bank President Narayana Kocherlakota, speaking at a town hall at North Dakota State University, said he is interested in bitcoin as a technology, not as a currency." Bank of America Swings to Quarterly Loss on Legal Costs - New York Times - "The bank said on Wednesday that its litigation expenses increased to $6 billion in the quarter, showing how Bank of America is still paying for its mortgage missteps nearly six years after the financial crisis." Seeking Growth, The Payments Industry…
  • Headline News from PaymentsNews.com - April 15, 2014

    Payments News Editor
    15 Apr 2014 | 6:53 am
    On the Web: Credit Card Issuers Defeat Claims They Conspired To Use Arbitration to Block Class Actions - Antitrust Today - "American Express, Chase, and Discover have prevailed in a bench trial of a class action charging that the nation’s largest credit card issuers illegally agreed to prevent cardholders from using class actions to sue them." Why Facebook is launching its money transfer service in Europe, not the US - PandoDaily - "Contrary to the idea that Europe is festooned with regulatory barriers to new ideas and entrants into markets, there’s good evidence that, at least in…
  • Headline News from PaymentsNews.com - April 14, 2014

    Payments News Editor
    13 Apr 2014 | 9:11 pm
    On the Web: Now even Facebook wants to become a payments company - PandoDaily - "The Financial Times reports that the company is in talks with Irish regulators and three European startups to create a service that would “allow its users to store money on Facebook and use it to pay and exchange money with others.” How Acxiom Ties Online Ads to Purchases in Stores - Wall St. Journal - "It found that, on average, the ads drove $9 of sales for every dollar spent – primarily in physical stores." Jeff Bezos to Amazon Payments Team: Move Faster - Re/code.net (Jaseon Del Rey) - "The…
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    The Bankwatch

  • 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…
  • “mobile-first, cloud-first world” | finally a new Microsoft

    Colin Henderson
    31 Mar 2014 | 8:53 pm
    Its been some time (decades?) since I had anything positive to say about Microsoft. Nadella in a few short weeks is setting the tone and direction that will change the company.  The iPad app delivered on a non Microsft OS this week was a big deal.  Now this mobile-first, cloud-first world statement is a sharp right turn away from a Microsoft centric world. Satya Nadella email to employees on tuning our organization | Microsoft News Center Today marks the start of another big week for Microsoft as we gear up for the Build conference in San Francisco. We continue to push on the…
  • IRS determines Bitcoin is property not currency

    Colin Henderson
    31 Mar 2014 | 6:34 am
    This is a fascinating ruling on the Bitcoin argument as a currency.  The US IRS has noted that Bitcoins are not fungible, which is one of the features of cash.  Each Bitcoin is unique which also implies unique tax treatment.  Whereas cash can be together in bills or in an account and it doesn’t matter which one is spent first. This doesn’t stop it being used as a payment medium, but it is not the same as cash. Bitcoin Tax Ruling Credit Slips The IRS ruled that Bitcoin and other virtual currencies are property, not currency.  This means that they are subject to capital…
  • Welcome to The Machine

    Colin Henderson
    28 Mar 2014 | 6:58 am
    Finally it is sinking in.  Computers and internet have been with consumers since roughly 1992 with early adoption then adoption through late 90’s and early 2000’s.  In our industry as recent as 2003 senior banking executives still referred to online banking as a passing phase.  A consultant (Forrester?) coined the phrase “bricks and clicks” to summarise the obvious that branches would in fact be supplemented by online and life would carry on.  Enormous amounts in the billions of dollars were invested delivering ‘common customer experience’ across thousands of…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • NY AG sends subpoenas to Chicago high-frequency trading firms

    17 Apr 2014 | 11:22 am
    New York state Attorney General Eric Schneiderman has issued subpoenas to several high-frequency trading firms in search of information about whether such companies are exploiting unfair advantages over other traders. According to a report by the Wall Street Journal,  Schneiderman’s office sent the subpoenas last week to Chicago-based Jump Trading LLC and Chopper Trading, and to New York-based Tower Research Capital LLC, among other companies. In particular, the report said, the attorney general…
  • Fifth Third CEO Kabat explains profit shortfall

    Steve Watkins
    17 Apr 2014 | 11:21 am
    Fifth Third Bancorp CEO Kevin Kabat has a simple explanation for Fifth Third’s first-quarter earnings that fell short of analysts’ estimates when it reported results on Thursday morning. Fifth Third (Nasdaq: FITB) marked down the value of its investment in Symmes Township-based payment processor Vantiv Inc. (NYSE: VNTV) by $36 million. That’s based purely on Vantiv’s stock price at the end of the quarter. Fifth Third used to own Vantiv outright, when it was known as Fifth Third Processing…
  • BofA’s Otto on how commercial banking has changed in St. Louis

    Greg Edwards
    17 Apr 2014 | 11:21 am
    Larry Otto, Missouri president of Bank of America, made an interesting point about the changing face of banking in St. Louis during a visit last week. “One of the things that St. Louis is wrestling with is that the big public companies used to be run by families, such as Anheuser-Busch and the Busch family, creating massive amounts of wealth. That isn’t happening anymore,” Otto said. To replace that fading structure, Otto said, industries such as tech and intermodal transportation need to…
  • St. Paul economic development director departs for Greater MSP

    Sam Black
    17 Apr 2014 | 11:20 am
    Cecile Bedor, the longest-serving director of the St. Paul Planning and Economic Development Department, is leaving to join Greater MSP, a regional economic development group. Bedor accepted the position of executive vice president at Greater MSP, where she will be responsible for organization operations. Bedor has been in her job since St. Paul Mayor Chris Coleman  appointed her in 2006. Since then she's overseen significant projects including the development of a  grocery-anchored apartment…
  • Price tag for Tommy Hilfiger’s Raleigh Hotel purchase revealed

    17 Apr 2014 | 11:19 am
    A company controlled by fashion icon Tommy Hilfiger paid $56.6 million for the Raleigh Hotel in Miami Beach, according to county records. The 105-room hotel at 1775 Collins Ave. was sold by David Edelstein and Sam Nazarian’s Twice Around 1775 LLC to Elmira Miami, which is managed by Hilfiger and David Pisor. That’s a shade more than the $55 million the property traded for in late 2012. RELATED CONTENT: Tommy Hilfiger closes deal to buy Raleigh Hotel The deal included assigning a mortgage from…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • NY AG sends subpoenas to Chicago high-frequency trading firms

    17 Apr 2014 | 11:22 am
    New York state Attorney General Eric Schneiderman has issued subpoenas to several high-frequency trading firms in search of information about whether such companies are exploiting unfair advantages over other traders. According to a report by the Wall Street Journal,  Schneiderman’s office sent the subpoenas last week to Chicago-based Jump Trading LLC and Chopper Trading, and to New York-based Tower Research Capital LLC, among other companies. In particular, the report said, the attorney general…
  • Fifth Third CEO Kabat explains profit shortfall

    Steve Watkins
    17 Apr 2014 | 11:21 am
    Fifth Third Bancorp CEO Kevin Kabat has a simple explanation for Fifth Third’s first-quarter earnings that fell short of analysts’ estimates when it reported results on Thursday morning. Fifth Third (Nasdaq: FITB) marked down the value of its investment in Symmes Township-based payment processor Vantiv Inc. (NYSE: VNTV) by $36 million. That’s based purely on Vantiv’s stock price at the end of the quarter. Fifth Third used to own Vantiv outright, when it was known as Fifth Third Processing…
  • BofA’s Otto on how commercial banking has changed in St. Louis

    Greg Edwards
    17 Apr 2014 | 11:21 am
    Larry Otto, Missouri president of Bank of America, made an interesting point about the changing face of banking in St. Louis during a visit last week. “One of the things that St. Louis is wrestling with is that the big public companies used to be run by families, such as Anheuser-Busch and the Busch family, creating massive amounts of wealth. That isn’t happening anymore,” Otto said. To replace that fading structure, Otto said, industries such as tech and intermodal transportation need to…
  • St. Paul economic development director departs for Greater MSP

    Sam Black
    17 Apr 2014 | 11:20 am
    Cecile Bedor, the longest-serving director of the St. Paul Planning and Economic Development Department, is leaving to join Greater MSP, a regional economic development group. Bedor accepted the position of executive vice president at Greater MSP, where she will be responsible for organization operations. Bedor has been in her job since St. Paul Mayor Chris Coleman  appointed her in 2006. Since then she's overseen significant projects including the development of a  grocery-anchored apartment…
  • Price tag for Tommy Hilfiger’s Raleigh Hotel purchase revealed

    17 Apr 2014 | 11:19 am
    A company controlled by fashion icon Tommy Hilfiger paid $56.6 million for the Raleigh Hotel in Miami Beach, according to county records. The 105-room hotel at 1775 Collins Ave. was sold by David Edelstein and Sam Nazarian’s Twice Around 1775 LLC to Elmira Miami, which is managed by Hilfiger and David Pisor. That’s a shade more than the $55 million the property traded for in late 2012. RELATED CONTENT: Tommy Hilfiger closes deal to buy Raleigh Hotel The deal included assigning a mortgage from…
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    Bank Lawyer's Blog

  • 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…
  • The Unbankable Turn To The Non-Banks

    Kevin Funnell
    8 Apr 2014 | 6:24 pm
    The marijuana banking conundrum in Colorado may be driving banks to distraction, but it's opening up the funding business to high-cost, low-publicity private money sources. From hard-money lenders — investors who offer short-term, high-interest loans — to publicly traded real estate investment trusts focused on marijuana clients as tenants, the lack of conventional financing has created a sector that's gaining steam and drawing stares. They are investors with an appetite for high risk and high returns, all of it hinged on an industry that's been around for a few years —…
  • A Certain Level Of Disengenuousness

    Kevin Funnell
    6 Apr 2014 | 7:54 pm
    Housing Wire's Trey Garrison gives us fitting parting observations of last week's hearing by the House Financial Services Committee's Subcommittee on Oversight & Investigation concerning allegations that the CFPB is a veritable Paul Bunyon of stacked-high hypocrisy when it comes to employee discrimination. There was a certain level of disingenuousness [sp.] that went beyond the usual political posturing at the House Oversight & Investigation Subcommittee investigating discrimination and retaliation at the Consumer Financial Protection Bureau Wednesday morning. In a…
 
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    Finance & Banking RSS Feed | JD Supra Law News

  • SEC’s OCIE Announces Cybersecurity Examinations Of Broker-Dealers And Registered Investment Advisers

    Stinson Leonard Street - Dodd-Frank and the
    17 Apr 2014 | 11:13 am
    The SEC’s Office of Compliance Inspections and Examinations, or OCIE, previously announced that its 2014 Examination Priorities included a focus on technology, including cybersecurity preparedness. OCIE has issued a Risk Alert to provide additional...By: Stinson Leonard Street - Dodd-Frank and the
  • Global Systemically Important Banks – Public Disclosure Requirements

    Osler, Hoskin & Harcourt LLP
    17 Apr 2014 | 11:08 am
    The Office of the Superintendent of Financial Institutions Canada (OSFI) has issued an Advisory, “Global systemically important banks – Public disclosure requirements”, which clarifies the implementation in Canada of the annual public disclosure...By: Osler, Hoskin & Harcourt LLP
  • Texas Department of Banking Issues Guidance on Virtual Currency

    Goodwin Procter LLP
    17 Apr 2014 | 11:01 am
    The Texas Department of Banking issued a supervisory memorandum clarifying the applicability of the Texas Money Services Act to various activities involving virtual currencies. The Department of Banking determined that exchanging virtual currency for...By: Goodwin Procter LLP
  • W.Va. Requires Time-Barred Debt Disclosures in ‘Initial Written Communication’

    Ballard Spahr LLP
    17 Apr 2014 | 10:59 am
    The West Virginia Legislature recently passed H.B. 4360, which amended Section 46A-2-128 of the West Virginia Code, that defines what constitutes unfair or unconscionable debt collection activities. The amendments are effective June 6, 2014....By: Ballard Spahr LLP
  • Bitcoin – real, virtual or illegal currency?

    DLA Piper - IP Technology in Italy
    17 Apr 2014 | 10:54 am
    The news about the indictment of Charlie Shrem, the former vice president of Bitcoin Foundation, and Robert Faiella in the US because of their potential involvement in the laundering of more than $ 1 million bitcoin on the website Silk Road to...By: DLA Piper - IP Technology in Italy
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
 
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
 
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
 
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
 
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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  • 'How am I going to get through the day today?'

    17 Apr 2014 | 11:42 am
    'How am I going to get through the day today?'EverydayHealthTherese might ask herself every morning how she's going to make it, but she's found some ways to deal with her depression. Exercise she finds that helps More health newsHow to cope with Chohn's New diabetes drugs approved
  • Police get in on prom proposal

    17 Apr 2014 | 11:42 am
    Police get in on prom proposalYouTube Instead of boring his patients with instructions, he does something that gets their mind off the pain.What your doctor has probably never done Take a peek Bees cause plan to turn aroundPolice get in on prom proposal
  • Heartbreaking texts from teens on board ferry

    17 Apr 2014 | 11:42 am
    Heartbreaking texts from teens on board ferry APStudents trapped in the sinking ferry off the coast of South Korea sent families desperate messages. 'Dad, don't worry ...'More on ferry tragedy Death toll on the rise Survivors slam rescue efforts
  • How the happiest couples sleep

    17 Apr 2014 | 11:42 am
    How the happiest couples sleep GettyAccording to a new study, the most content duos get some shut eye in a very specific position.How many inches apart happy couples sleepMore to see Women sue over underwear Firefighters' unlikely rescue
  • Investigators finish tests on oil slick sample

    17 Apr 2014 | 11:42 am
    Investigators finish tests on oil slick sampleAPOfficials hoped the oil samples collected from a slick nearby the search area would provide evidence that the jet had crashed.Conclusion they reached Thursday More on missng Flight MH370Bluefin finishes first full missionChronicle of false leads in probe
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    About.com Banking / Loans

  • 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
  • Watch your Business Accounts for Check Fraud

    4 Apr 2014 | 3:51 am
    If you run a business, you may be familiar with the risk of accepting bad checks. But do you keep an eye out for money coming out of your account fraudulently?...Read Full Post
  • Buying Your First Home?

    2 Apr 2014 | 5:39 am
    Spring has sprung and that means (among other fun things) that home buying season is heating up. If you're looking to buy your first home, you may wonder about first time homebuyer programs. These programs offer assistance to people who have never owned before, and in some cases they're available if you have owned a home but it's been several years since you were an owner. That's good news for anybody who lost a home during the financial crisis....Read Full Post
 
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    MyBankTracker.com

  • Guide: How to Save on Expensive Funeral Costs

    Daryl Paranada
    17 Apr 2014 | 10:58 am
    Flickr | https://flic.kr/p/5w1242 When a loved one dies, family members and close friends are left to pick up the pieces and plan a funeral. With emotions running high, important decisions must be made about how to lay a loved one to rest. What type of funeral should it be? Where should you bury your loved one? How many people will be invited? These questions — and more — must be answered when you’re planning a funeral. According to the National Funeral Directors Association, the median cost of a funeral in 2012 was $7,045. With research and planning, you can bring those costs…
  • Credit Scores Between 600 and 650: What Can It Get You?

    Gerald Morales
    17 Apr 2014 | 2:00 am
    Flickr | https://www.flickr.com/photos/bsabarnowl/4529920092 The unique thing about a credit score that falls between 600 and 650 is that it can put you in one of two major credit brackets. Your credit can either be considered “bad” or “fair,” which means you may be limited on what types of loans you qualify for or whether or not you can take out a home loan. The major factors to consider are two things, what kind of interest rate you can expect for lines of credit, and whether or not you actually qualify for a home, car, or any other type of loan. Here is a breakdown…
  • Savings Rates Report April 2014: Rates Frozen After Fed Meeting

    Simon Zhen
    16 Apr 2014 | 3:17 pm
    Larry Jacobsen / Flickr | https://www.flickr.com/photos/ljguitar/2545991353 For the past month, everything has been quiet for savings rates. The national savings rate average remains steady at 0.29% APY. Meanwhile, the Federal Reserve takes a major step back on how it will justify interest-rate increases. Although the national savings rate appears bleak, online banks offer savings rates that are well above the average. For instance, SFGI Direct continues to hold the top savings rates of 1.01% APY, which is available nationwide. MySavingsDirect is a close second at 1.00% APY. On the other…
  • I Didn’t File Taxes, Now What?

    Shirley Pulawski
    16 Apr 2014 | 12:30 pm
    Flickr | https://www.flickr.com/photos/johanl/8648232568 April 15 has come and gone, but if you didn’t file your tax bill, all is not lost, even if you think you will owe taxes. Take a deep breath and learn what you can do next to avoid serious consequences if you didn’t file your taxes by the April 15 deadline. Get help if possible First, no advice here is a good substitute for talking to a qualified tax professional about your situation. If you can afford to meet with one, do it, and be honest about the reasons that led you to avoid filing. They will make it their goal to help…
  • Are Banks Closed on Good Friday 2014?

    Theresa Kim
    16 Apr 2014 | 9:30 am
    Flickr | https://www.flickr.com/photos/stevecadman/2412906884/in/photolist-2P9cSx-4NKsA1-8ydxS-5hH9VH-2g4v61-89ETeU-DtMhu-5ctMJk-4dGSiZ-fefEG6-mxtwjF-4w3ttd-7AR3hi-71ecUV-94UXXp-6B9tAS-6B9ty3-8aR9FZ-8G2JhA-9dz8zd-79s56D-nbx1r-7jf6q7-4FdM9Q-mFWsnT-6WF5cH-8q53m7-6pjpPu-7BbaDm-hqtVm-4xEZAv-4bm2Ky-4bmQz9-5tsm61-5kFraw-8fVCef-6PEHNP-8Y6f8F-8iC6J-ecsKi-dzXcv-3cafy8-c4c5z-fpwvXP-6tv1cP-9znFtu-nGToa-7wJnFL-6ERnRw-5wEHFH Good Friday will fall on April 18 this year — and it is a very significant day for many. The Friday preceding Easter Sunday commemorates the crucifixion and the death of Jesus…
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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

  • Mortgage Rates at 6 Week Low

    Moe Bedard
    17 Apr 2014 | 9:09 am
    The Freddie Mac Primary Mortgage Market Survey (PMMS) released this morning shows fixed mortgage rates are at a 6 week low.  Frank Nothaft, vice president and chief economist of Freddie Mac commented in their report that mortgage rates have eased up which allowed housing starts to rise by 2.8% in March. An outcome which we did […]
  • Jumbo Loan Rates Today – 4/17/2014

    Moe Bedard
    17 Apr 2014 | 7:43 am
    (LoanSafe.org) – Current jumbo mortgage rates are mostly the same today, with the exception only one loan program that went up this morning at Wells Fargo.  The 30-year fixed rate mortgage (FRM) increased at Wells Fargo under their home purchase program. Jumbo mortgages are loans exceeding $417,000 or $625,500 in high-cost areas. Additional loan products, rates […]
  • Mortgage Rate Report & Summary Today – 4/17/2014

    Moe Bedard
    17 Apr 2014 | 7:29 am
    (LoanSafe.org) – Current mortgage rates for the most part stayed the same again this morning at the top lenders that we study here on LoanSafe. While Wells Fargo rates did not change today, fixed and adjustable loan programs at Chase and BofA went up. The 30-year and the 15-year fixed rate mortgage (FRM) increased along with […]
  • Online Mortgage Assistance Event for San Antonio Homeowners Wednesday – April 23

    Alex Ferreras
    17 Apr 2014 | 7:17 am
    Whether you are unemployed, have had your hours at work cut back, need advice on a short sale or deed-in-lieu of foreclosure, are having problems with your rental property, or are facing some kind of financial hardship, all Dallas and San Antonio homeowners are welcome to sign on to this free event. At the event, […]
  • Foreclosure Workshop for Delaware Homeowners in Georgetown on April 21

    Alex Ferreras
    17 Apr 2014 | 7:15 am
    (LoanSafe.org) – Mortgage assistance events occur regularly in the state of Delaware, and can be found at this link. This event requires pre-registration so try to call in before the weekend to see if there are any spots still available. Be sure to keep up with future events if you are suffering from a severe […]
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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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    BAI Banking Strategies

  • Outlook for ATMs after Windows XP

    15 Apr 2014 | 10:00 pm
    Now that Microsoft has pulled the support plug for Windows XP, financial institutions that haven’t switched to Windows 7 need to explore their options.
  • Keys to Successful Multichannel Optimization

    14 Apr 2014 | 10:00 pm
    Developing and executing a multichannel strategy requires foundational data to ensure that the strategy aligns with channel capabilities, customer preferences and the bank’s overall strategy and brand promise.
  • Compliance Learning Curve for Directors

    13 Apr 2014 | 10:00 pm
    Heightened regulatory scrutiny means that financial institutions should keep their board members up to date on issues involving social media, cyber security and mobile devices.
  • Analytical Marketing Support for Business Lending

    10 Apr 2014 | 10:00 pm
    Analytically-driven marketing support can help banks generate new business loans without having to add new bankers.
  • Securing the Digital Vault Comprehensively

    8 Apr 2014 | 10:00 pm
    While no security defense to cyberattack is foolproof, financial institutions can benefit from a comprehensive framework that crosses divisional and operational lines.
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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

  • 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…
  • Identity Theft Precaution, Online and Off

    Mountain America
    4 Mar 2014 | 12:35 pm
    Each day it becomes more and more important to protect your personal information from identity thieves. Here are a few basic rules to keep in mind in order to minimize your identity theft exposure: Keep PINs, passwords and numbers secure It may seem like a bit of a no-brainer, but according to the Federal Trade Commission’s guide to consumer information, the majority of identity theft incidents that occur online are derived from irresponsible disclosure of account or Social Security numbers. In that interest, only share such personal information over channels that are confirmed as…
  • Estimating Your Retirement Income Needs

    Mountain America
    20 Feb 2014 | 3:50 pm
    You know how important it is to plan for your retirement, but where do you begin? One of your first steps should be to estimate how much income you’ll need to fund your retirement. That’s not as easy as it sounds, because retirement planning is not an exact science. Your specific needs depend on your goals and many other factors. Use your current income as a starting point It’s common to discuss desired annual retirement income as a percentage of your current income. Depending on who you’re talking to, that percentage could be anywhere from 60 to 90 percent, or even…
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