Banking

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  • The Miserable State of Cash Management Vendors

    Gonzobanker.com
    Steve Williams
    15 Oct 2014 | 3:08 pm
    “Revenue is vanity … margin is sanity … cash is king.” -Anonymous My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. For a long time, these rock-solid bankers have seen loan officers patronize them with passive encouragement while rarely referring a customer their way and never taking the time to understand their product offerings. Yet for more than a decade, cash management professionals have shown their resiliency. They have made it a daily ritual to shrug off credit officer arrogance and scrap…
  • Bank of Hawaii receives community commitment award from American Bankers Association

    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com
    Jason Ubay
    24 Oct 2014 | 2:40 pm
    The American Bankers Association has given Bank of Hawaii the 2014 ABA Community Commitment Award in the community and economic development category. According to the ABA, its selection committed picked six banks from more than 170 entries based on the creativity of programs that embody corporate social responsibility ideals and demonstrate measurable success. Bank of Hawaii has been involved with EPIC Ohanas Hawaii Youth Opportunities Initiative since 2010. The program helps youth leaving foster…
  • Banks Gear Up (or not) for Upcoming Apple Pay Release

    NetBanker
    Jim Bruene
    14 Oct 2014 | 7:42 pm
    If all goes well, some time within the next week Apple Pay will be up and running. Short-term it won't cause a ripple in market share or consumer behavior (see previous post), but long-term it is likely to be seen as an important mobile-payments milestone. Regardless, I look forward to using it. But with only a couple contactless terminals in my usual Seattle haunts, I guess I'll be buying lots of coffee at Peet's and Tully's while I test it. But I digress. The subject for today is what banks are and aren't doing to ride on Apple's mobile coattails. There has been little FI marketing so far,…
  • Considering Bitcoin as a Payment Network

    Payments Views from Glenbrook Partners
    Russ Jones
    23 Oct 2014 | 6:52 am
    Wikipedia says, “Bitcoin is a software-based online payment system.” But what sort of payment system is it? We get this question all the time when we talk about Bitcoin in our workshops. At Glenbrook we like to start each Payments Boot Camp talking about payments systems fundamentals and the common attributes that can be used to understand and position any payments system. In every workshop someone will raise their hand in the first ten minutes and ask about Bitcoin. They are always thinking that Bitcoin is so revolutionary it must somehow invalidate how to think about payments systems.
  • COMMUNITY BANKING IN THE 21ST CENTURY: THE REALITY

    Bank Lawyer's Blog
    Kevin Funnell
    15 Oct 2014 | 7:41 pm
    Here's another guest post from my friend, former community banker Pat Dalrymple, that, while not technically about bank law, is definitely about banks. Plus, I'm on the road, so Pat is taking a load off. The demise of community banking has been predicted for the last five years or so.  Despite certain significant advantages enjoyed by this group, primarily their market position,  and advertising muscle, the prophecy is become more likely, especially for the smallest institutions struggling for profitability. The challenge to many $200 million asset and under  banks is, quite…
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    Gonzobanker.com

  • The Miserable State of Cash Management Vendors

    Steve Williams
    15 Oct 2014 | 3:08 pm
    “Revenue is vanity … margin is sanity … cash is king.” -Anonymous My heart goes out to the hard working professionals who run the Treasury Services or “Cash Management” divisions at community banks. For a long time, these rock-solid bankers have seen loan officers patronize them with passive encouragement while rarely referring a customer their way and never taking the time to understand their product offerings. Yet for more than a decade, cash management professionals have shown their resiliency. They have made it a daily ritual to shrug off credit officer arrogance and scrap…
  • Repeat After Me: ‘I Will Not Overspend on Telecom’

    Ryan Rackley
    6 Oct 2014 | 4:28 pm
    High performing mid-size banks are spending double what their low performing peers are spending on data communications circuits. That’s right, twice as much. And if that news isn’t mind-blowing enough, get a load of this: they’ve been doing it for years, according to The Cornerstone Performance Report. Gonzobankers, what would make one institution pay twice as much as another for data lines? OK, OK, telecommunications isn’t sexy to talk about. I get that. But it’s something every institution needs, and it is the underlying technology that enables our branches, ATMs, phone systems,…
  • Everyone Wants Under the Apple Tree

    Steve Williams
    15 Sep 2014 | 12:02 pm
    Well it happened. We knew it was coming. It may have even taken a bit longer than expected but it happened. Never in the history of payments has there been such a media-frenzied, corporate disrupting and consumer-captivating moment as last week’s unveiling of Apple Pay as part of this week’s release of the iPhone 6. Make no mistake – this was a direct “pyrus malus” hit into an entrenched and profitable caste system of payment providers. Changing the trajectory of an existing payment system is difficult because it’s basically a powerful, self-reinforcing feudal power system.
  • Do We Need Better System Integration or Fewer Systems to Integrate?

    Terence Roche
    3 Sep 2014 | 1:22 pm
    “We are stuck with technology when what we really want is just stuff that works.” ―Douglas Adams, the Salmon of Doubt If I were to go to most bankers today and ask them what one thing they would do to improve their systems environment, a large number would say better integration of the systems they are using. Ten years ago, if I had asked them that same question, the majority probably would have said – hang on to your hats here – better systems integration. Despite a lot of focus on middleware, application programming interfaces (APIs) and other tools, this issue has never…
  • Lack of an M&A Strategy May Leave You Dateless at the Prom

    Scott Sommer
    22 Aug 2014 | 11:28 am
    In 1984 a record high 18,000+ banks existed in the United States. Thirty years later we find that the number has plummeted to 6,700 with all indication pointing to further consolidation. The vast majority of exits came from banks with less than $100 million in assets, and more than 10,000 of these institutions left the financial services landscape between 1984 and 2011 due to mergers and failures. At the same time, the pace of new bank charters has dwindled to near non-existence. For decades and decades, dozens, if not hundreds, of bank charters were issued each year. Between the end of 2010…
 
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    NetBanker

  • Treating Loan Applicants with Respect

    Jim Bruene
    23 Oct 2014 | 5:47 pm
    I've been denied credit twice. The first time I understood, sort of. I was starting my first job and had a little, if any, credit history. But still, it hurt that my Fortune-50-employer's credit union wouldn't give even a $500 credit line to a freshly minted engineer. Luckily, the first big bank I tried had no such qualms and promptly sent me a MasterCard with a $2,000 credit line.   The second time, 25 years later, made zero sense. I'd received something like 100 direct mail preapproved offers from this issuer before I finally said yes to one. Yet, I was rejected online when I went…
  • Apple Pay Works (Duh), But it's No Starbucks (Yet)

    Jim Bruene
    21 Oct 2014 | 4:14 pm
    Well, that was anticlimactic. But I knew it would be. Between Starbucks mobile, Square Wallet, Google Wallet and my Discover Card contactless sticker affixed to the back, I've made a few hundred in-store purchases with my phone. So smartphone purchase #247 today was hardly remarkable from a UX standpoint. The only thing that would have made my first Apple Pay experience interesting would have been if it failed (resulting in a much more clickable headline for this post). But although it took 3 tries (note 1), the phone finally vibrated (the same as my Nexus) telling me that Apple's NFC magic…
  • Banks Gear Up (or not) for Upcoming Apple Pay Release

    Jim Bruene
    14 Oct 2014 | 7:42 pm
    If all goes well, some time within the next week Apple Pay will be up and running. Short-term it won't cause a ripple in market share or consumer behavior (see previous post), but long-term it is likely to be seen as an important mobile-payments milestone. Regardless, I look forward to using it. But with only a couple contactless terminals in my usual Seattle haunts, I guess I'll be buying lots of coffee at Peet's and Tully's while I test it. But I digress. The subject for today is what banks are and aren't doing to ride on Apple's mobile coattails. There has been little FI marketing so far,…
  • Launching: "Final" Credit Card with Integrated Disposable Card Numbers Captures Imagination of Product Hunt Geeks

    Jim Bruene
    9 Oct 2014 | 6:38 pm
    Product Hunt is the newest website catering to tech enthusiasts. Each day 40 to 50 new products or new product features are featured on the site. Anyone that has registered is allowed to upvote any of the submissions and a continually updated leaderboard surfaces the hottest products of the day. Then at midnight, the whole thing resets, and 40 to 50 more products get their 24 hours of fame. I've been following it for a few months and have seen that while there are only 2 or 3 fintech entries per week, they tend to be popular (which could be a function of their scarcity). But rarely, if ever,…
  • The Conference Journey: Why We Started FinDEVr (and Finovate)

    Jim Bruene
    17 Sep 2014 | 4:56 pm
    I just stopped by the Green Lake (Seattle) coffee shop where Eric Mattson and I first hatched the plans for Finovate seven years ago. At that time, we were so focused on selling enough tickets to pay the Midtown Manhattan-sized bills, we had few thoughts on the long-term plan.  Fast forward seven years. A week from today we'll be in NYC for the eighth time hosting the largest Finovate ever, closing in on the 1,500 mark for the first time (much appreciated everyone!!!). Thanks to a surging local fintech community, the NYC event is even outselling the San Francisco area one for the first…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - October 24, 2014

    Payments News Editor
    24 Oct 2014 | 7:47 am
    On the Web: The Future of Payment Security: Tokenization - Emerging Payments Strategies (Jay Weber) - "The benefits of tokenization far outweigh the barriers to adoption as exhibited by the monetary losses associated with security breaches at major retailers. While it’s a step in the right direction, is tokenization really going to be the universal standard going forward?" Amazon Rewards Visa Cards Now Compatible With Apple Pay - TechCrunch - "Amazon said it would be making its Rewards Visa from Chase compatible with the new Apple Pay system earlier this week..." Tim Cook says Apple…
  • Headline News from PaymentsNews.com - October 23, 2014

    Payments News Editor
    23 Oct 2014 | 5:42 am
    On the Web: Considering Bitcoin as a Payment Network - PaymentsViews.com (Russ Jones) - "What sort of payment system is Bitcoin? I’d say it is most similar to an open loop payment system that uses the push model. It offers close to real-time processing between end-parties and uses real-time gross settlement to complete each transaction. ..." Costs and Benefits of Building Faster Payment Systems: The U.K. Experience and Implications for the United States - Federal Reserve Bank of Boston - "This paper examines the economic cost-benefit analysis underlying the U.K. FPS investment decision…
  • Headline News from PaymentsNews.com - October 22, 2014

    Payments News Editor
    22 Oct 2014 | 9:28 am
    On the Web: Apple Pay and the Mobile Wallet Tipping Point: It Will Come Down to the Retail Experience - GigaOm - "How much Apple Pay will hasten consumers’ decision to pick up mobile payment versus swipe a card will be interesting to watch." Flint scores $9.4 million to help more small business stay brick-and-mortarless - VentureBeat - "Founded in the spring of 2011, the company offers an iOS or Android app that can accept credit cards without a card reader. Credit card numbers are scanned, and additional card verification info is entered manually." Europe’s Sign2Pay Launches To…
  • Headline News from PaymentsNews.com - October 21, 2014

    Payments News Editor
    21 Oct 2014 | 7:05 am
    On the Web: a16z Podcast: The (Definite) Optimism of Peter Thiel - Andreessen Horowitz - A great interview of Peter Thiel by Marc Andreessen! Shopping With Apple Pay: Seamless in Stores but Quirky Online - New York Times - "So Apple Pay seems to be halfway there. Shopping in stores using the service was carefree and futuristic, but the app experience will obviously be harder to get right." Can a phone replace your wallet? I went shopping to find out. - CNET - "Mobile payments aren't new, and Apple isn't the first to think of replacing the wallet with the phone. But it will be the first to…
  • Headline News from PaymentsNews.com - October 20, 2014

    Payments News Editor
    20 Oct 2014 | 8:00 am
    On the Web: Apple Store app updated with Apple Pay support - iMore.com - "You can use Apple Pay both when ordering online, as well as when checking out at an Apple Store with EasyPay." OpenTable adds Apple Pay support for iPhone in three US cities - iMore.com - "OpenTable, the popular restauant reservation service, has updated its iPhone app that adds Apple Pay support..." Bank of England payment system crashes - Guardian - The Bank of England said it had “identified a technical issue related to some routine maintenance of the RTGS payment system and has paused settlement while we…
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    The Bankwatch

  • US Banks payments jump from days of the Beatles all the way to 2005’ish for rest of the world

    Colin Henderson
    19 Oct 2014 | 10:18 pm
    For non Americans the significance that it took the President to sign an Executive Order is large. An Executive Order is required for either inconsequential items, but more often those which cannot otherwise be agreed upon by the legislative Congress who are generally governed by lobby groups, and therefore cannot make a decision. US Banks have been stuck in the past and refusing to buy into Chip Cards. They have even been balking at PIN rather than signature. This is the country with Miles and Gallons of course. Most wanted to stick with Chip and Signature, as indicated in this recent Forbes…
  • Equity Bank’s Thin Sim technology represents a novel threat to most successful mobile app in Africa

    Colin Henderson
    7 Oct 2014 | 8:50 pm
    This brings in a whole new level of mobile access. Its a bit hard to imagine First world regulators permitting this kind of dual access, but then again it has not been tested and certainly represents a new angle on the fastest growth technology area. Equity Bank to take on M-Pesa with Thin SIM technology Safaricom earlier this week lost a legal battle to block the roll-out of Equity Bank’s Thin Sim technology, when the Communications Authority of Kenya (CA) and Central Bank of Kenya (CBK) dismissed the telco’s objections to the technology. Safaricom had claimed that the dual SIM…
  • Stripe are heading towards becoming leaders in payment processing

    Colin Henderson
    21 Sep 2014 | 9:00 pm
    In Aug 2013, I picked up on Stripe, and was impressed by their ‘start up’ approach to a space banks should have owned, but failed since day 1. Stripe – simple online payments … Today this piece at Bloomberg surprises with the extent that Stripe have become engaged in the payments eco-system that matters. This piece is worth the read just to see the big name players Stripe have engaged. Stripe Lands Apple in Quest for $720 Billion in Payments They are integrated with Apply Pay, Alibaba and have these backers: Stripe has the backing of investors including Sequoia Capital…
  • Banks ready for battle for supremacy in Apple Pay Passbook

    Colin Henderson
    16 Sep 2014 | 8:30 pm
    Early signals in US that Apple Pay with its simple NFC interface is ready to make a big impact. This could also be the kickstart NFC has been lacking. US banks race to gain Apple Pay card advantage But while all the major banks have allocated large budgets to the battle, they do not have a free hand in what they can do. Marketing staff from the banks are due to meet at Apple’s headquarters in Cupertino on Tuesday, according to people familiar with the matter, to receive strict guidelines on how they can advertise Apple Pay to customers. …. The largest card issuers – led in the US by…
  • Fun with Rogers and iPhone 6

    Colin Henderson
    15 Sep 2014 | 8:00 pm
    Just a wild guess, but this on day 3 of the iPhone 6 reservation system; could be co-incidence, but it may be time to buy more Apple stock Filed under: Uncategorized
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • Growth in commercial, mortgage banking bolster 3Q earnings for Waterstone Financial

    Alison Bauter
    24 Oct 2014 | 3:04 pm
    Strong performance in community and mortgage banking bolstered quarterly earnings at Waterstone Financial Inc. for the quarter ended Sept. 30, the company reported Friday. Waterstone (Nasdaq: WSBF) reported a third-quarter net income of $4.8 million, or 14 cents per share, compared with $3.2 million, or 9 cents per share, for the same quarter in 2013. Wauwatosa-based Waterstone, parent company of WaterStone Bank, said its community banking segment's net income totaled $3.4 million for the quarter,…
  • Stonegate Bank earnings up 89%, loans grow

    Brian Bandell
    24 Oct 2014 | 3:04 pm
    Stonegate Bank's earnings surged 89 percent in the third quarter as its loans grew by $22 million. The Pompano Beach-based bank (NASDAQ: SGBK) earned $3.6 million, up from $1.9 million in the second quarter. Its net interest income grew by $125,000 to reach $14.1 million, which helped improve its profitability. The bank's expenses were reduced because it had extra costs from a merger and going public in the second quarter. The bank's net interest margin – the spread between interest earned on…
  • Bank of Hawaii receives community commitment award from American Bankers Association

    Jason Ubay
    24 Oct 2014 | 2:40 pm
    The American Bankers Association has given Bank of Hawaii the 2014 ABA Community Commitment Award in the community and economic development category. According to the ABA, its selection committed picked six banks from more than 170 entries based on the creativity of programs that embody corporate social responsibility ideals and demonstrate measurable success. Bank of Hawaii has been involved with EPIC Ohanas Hawaii Youth Opportunities Initiative since 2010. The program helps youth leaving foster…
  • FNB Bancorp faces competition in buying Valley Community Bank

    Mark Calvey
    24 Oct 2014 | 2:36 pm
    Valley Community Bank, with offices in Pleasanton, Livermore and San Jose, suddenly finds itself the center of attention as more than one suitor wants to acquire the bank's attractive franchise. This is a nice turn of events for long-suffering shareholders at Valley Community Bank, which got slammed in the 2008 financial crisis. Even today the bank garners just three stars out of five from Bauer Financial. Three stars stands for "adequate." Valley Community Bank struck a deal in May to be acquired…
  • Tower of the Americas will close for repairs next week

    James Aldridge
    24 Oct 2014 | 2:08 pm
    San Antonio's iconic Tower of the Americas will be closed for 72 hours so that crews can make needed electrical repairs to the structure. The tower will close on Oct. 27 to so that repairs can begin, and will re-open on Thursday, Oct. 30. The tower's main electrical buss duct failed at two joint locations about 90 feet up the shaft. Temporary repairs have kept the tower open to the public until workers could coordinate a permanent fix. During the closure, the main buss duct that feeds power to the…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Growth in commercial, mortgage banking bolster 3Q earnings for Waterstone Financial

    Alison Bauter
    24 Oct 2014 | 3:04 pm
    Strong performance in community and mortgage banking bolstered quarterly earnings at Waterstone Financial Inc. for the quarter ended Sept. 30, the company reported Friday. Waterstone (Nasdaq: WSBF) reported a third-quarter net income of $4.8 million, or 14 cents per share, compared with $3.2 million, or 9 cents per share, for the same quarter in 2013. Wauwatosa-based Waterstone, parent company of WaterStone Bank, said its community banking segment's net income totaled $3.4 million for the quarter,…
  • Stonegate Bank earnings up 89%, loans grow

    Brian Bandell
    24 Oct 2014 | 3:04 pm
    Stonegate Bank's earnings surged 89 percent in the third quarter as its loans grew by $22 million. The Pompano Beach-based bank (NASDAQ: SGBK) earned $3.6 million, up from $1.9 million in the second quarter. Its net interest income grew by $125,000 to reach $14.1 million, which helped improve its profitability. The bank's expenses were reduced because it had extra costs from a merger and going public in the second quarter. The bank's net interest margin – the spread between interest earned on…
  • Bank of Hawaii receives community commitment award from American Bankers Association

    Jason Ubay
    24 Oct 2014 | 2:40 pm
    The American Bankers Association has given Bank of Hawaii the 2014 ABA Community Commitment Award in the community and economic development category. According to the ABA, its selection committed picked six banks from more than 170 entries based on the creativity of programs that embody corporate social responsibility ideals and demonstrate measurable success. Bank of Hawaii has been involved with EPIC Ohanas Hawaii Youth Opportunities Initiative since 2010. The program helps youth leaving foster…
  • FNB Bancorp faces competition in buying Valley Community Bank

    Mark Calvey
    24 Oct 2014 | 2:36 pm
    Valley Community Bank, with offices in Pleasanton, Livermore and San Jose, suddenly finds itself the center of attention as more than one suitor wants to acquire the bank's attractive franchise. This is a nice turn of events for long-suffering shareholders at Valley Community Bank, which got slammed in the 2008 financial crisis. Even today the bank garners just three stars out of five from Bauer Financial. Three stars stands for "adequate." Valley Community Bank struck a deal in May to be acquired…
  • Tower of the Americas will close for repairs next week

    James Aldridge
    24 Oct 2014 | 2:08 pm
    San Antonio's iconic Tower of the Americas will be closed for 72 hours so that crews can make needed electrical repairs to the structure. The tower will close on Oct. 27 to so that repairs can begin, and will re-open on Thursday, Oct. 30. The tower's main electrical buss duct failed at two joint locations about 90 feet up the shaft. Temporary repairs have kept the tower open to the public until workers could coordinate a permanent fix. During the closure, the main buss duct that feeds power to the…
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    Bank Lawyer's Blog

  • The FDIC's Left Hand Slaps Its Right Hand

    Kevin Funnell
    21 Oct 2014 | 8:03 pm
    I'm on vacation for a week, so y'all will be spared further abuse until at least the 29th. Before I bow out, however, I'd like to give a hat tip to the FDIC for its exercise of pure chutzpa and sublime soft-shoe-shuffling in attempting to dance away from a letter from one its officials that flat-out told a bank that the entire payday lending biz is problematic (paid subscription required). The Federal Deposit Insurance Corp. told an Ohio bank early last year that doing business with payday lenders is generally unacceptable, according to a letter released Friday by House…
  • Coakley's Special Friend

    Kevin Funnell
    19 Oct 2014 | 7:51 pm
    Massachusetts Attorney General and wanna-be governator, Martha Coakley, has tried to make political capital out of her lawsuit against the FHFA and its wards, Fannie Mae and Freddie Mac, over their policy of refusing to permit the sale of houses to non-profit organizations who intend to resell the home to the borrowers who have defaulted on the loan secured by a loan that is owned by Aunt Fannie or Uncle Freddie. We last discussed the lawsuit in June. While Martha has publicly trotted out one of the nonprofits involved in this scheme as a paragon of virtue and the Plantonic ideal form of…
  • COMMUNITY BANKING IN THE 21ST CENTURY: THE REALITY

    Kevin Funnell
    15 Oct 2014 | 7:41 pm
    Here's another guest post from my friend, former community banker Pat Dalrymple, that, while not technically about bank law, is definitely about banks. Plus, I'm on the road, so Pat is taking a load off. The demise of community banking has been predicted for the last five years or so.  Despite certain significant advantages enjoyed by this group, primarily their market position,  and advertising muscle, the prophecy is become more likely, especially for the smallest institutions struggling for profitability. The challenge to many $200 million asset and under  banks is, quite…
  • Undue Process

    Kevin Funnell
    12 Oct 2014 | 7:42 pm
    For Patrick Adams, justice has been both delayed and, now, denied. Regular readers of this blog are familiar with Mr. Adams protracted fight with the OCC, and I won't regurgitate the history of the conflict. In my most recent post, I criticized the repeated failure of the Comptroller of the Currency to render a timely decision in the OCC's enforcement action against Mr. Adams as required by applicable law. An administrative law judge had determined that the OCC's enforcement action against Mr. Adams was not supportable on the basis of applicable law and the factual record, and…
  • Uncollaring The Porn Biz

    Kevin Funnell
    7 Oct 2014 | 8:01 pm
    Any banking regulator who thought that the porn business was going to take auto-erotic asphyxiation lying down (or kneeling, or bending over an ottoman, or suspended upside down from various Cirque du Soleil circus apparati) now knows better. In yet another litigious response to Operation Choke Point (paid subscription required), a trade group for payment processors sued a federal banking regulator for pressuring banks that "serviced" purveyors of pornography to "choke the chicken" (that laid the golden eggs). In a court filing Thursday, the Third Party Payment Processors…
 
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  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
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  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
 
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
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  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
 
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
 
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
 
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
  • add this feed to my.Alltop

  • Yes, they tied the knot ... underwater

    25 Oct 2014 | 8:31 pm
    Yes, they tied the knot ... underwaterGetty Believe it or not, this is possible -- and brave couples do it all the time.Wait until you see the top left of this shotMore to seeTrick-or-treating banned?Couples draw each other
  • Marine killed in Iraq in the fight against ISIS

    25 Oct 2014 | 8:31 pm
    Marine killed in Iraq in the fight against ISISKTLALance Cpl. Sean P. Neal died during a noncombat incident this week, becoming the second American casualty of the ISIS campaign. Officials shed little light on deathMore newsDozens die in boat accidentISIS clashes in Lebanon kill 5
  • Costume costs staggering $1.6 million

    25 Oct 2014 | 8:31 pm
    Costume costs staggering $1.6 millionGetty Standing out on Halloween is definitely a plus -- but it's probably not worth this much dough. Outfit you won't believe is on the marketMore to seeLady Liberty to don costume'Pumpkin Picasso' teaches craft
  • Cream vocalist, bassist Jack Bruce dies at 71

    25 Oct 2014 | 8:31 pm
    Cream vocalist, bassist Jack Bruce dies at 71APThe British musician best known for his work as the lead vocalist and bass player of super group Cream died Saturday at his home. Classic rock songs he's known forMore entertainment news'Duck Dynasty' star hospitalizedLake Bell welcomes new baby
  • Teacher hailed for confronting school gunman

    25 Oct 2014 | 8:31 pm
    Teacher hailed for confronting school gunmanTwitterLocals are calling first-year teacher Megan Silberberger a hero for accosting Jaylen Fryberg during Friday's high school shooting. Decision that may have saved livesRelated coveragePossible motive uncoveredCafeteria worker stepped up too
 
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    MyBankTracker.com

  • New Apple Technology Could Help You Save on Cell Phone Costs

    Jeff Yoncich
    25 Oct 2014 | 2:00 am
    Apple has been getting lots of glamorous media for its latest models of personal technology, but mostly overlooked in all the hoopla is a breakthrough that could be far more important in practical terms. The company’s unassuming new “Apple SIM” card could allow everyone to dramatically save on cell phone costs. Flickr |…
  • 5 Must-Have Tools to Pay Off Student Loan Debt

    Rebecca Lake
    24 Oct 2014 | 12:30 pm
    When eliminating your student loans is a top priority it helps to have a plan for managing what you owe. Otherwise, you run the risk of missing a payment which can slow down your payoff progress and hurt your credit. If you don’t have a solid strategy in place for keeping track of your progress, taking advantage of these five must-have tools to pay off student loan debt can get you to finish line that much faster. Flickr |…
  • 8 Big Ways to Save Extra Money Before the Holidays

    Claire Tak
    24 Oct 2014 | 9:30 am
    Every year, most of us wish we had more money to spend on loved ones and friends during the holidays. And then there are expectations for holiday gifts and food at work, presents for teachers and many other people in our lives, so we can all use some tips for holiday savings. Flickr |…
  • 5 Smart Ways Millennials Can Invest $1,000

    Rebecca Lake
    23 Oct 2014 | 12:30 pm
    Millennials aren’t known for being major financial risk-takers, as evidenced by their avoidance of credit cards and preference for cash. They’re equally wary when it comes to investing, particularly after witnessing the perils of the stock market that have made headlines over the last few years. Flickr |…
  • What to Know About These 4 Ways to Wipe Out Private Student Loans for Good

    Jeff Yoncich
    23 Oct 2014 | 9:00 am
    If you have a student loan from a private, non-governmental institution, you know it’s a special (and potentially wild) animal. Private student loans often have higher interest rates, some have variable rates, they generally can only be consolidated under private lenders, and they don’t allow you to ask the lender to defer or forbearance payments, or appeal for forgiveness. Flickr |…
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    Payments Views from Glenbrook Partners

  • Considering Bitcoin as a Payment Network

    Russ Jones
    23 Oct 2014 | 6:52 am
    Wikipedia says, “Bitcoin is a software-based online payment system.” But what sort of payment system is it? We get this question all the time when we talk about Bitcoin in our workshops. At Glenbrook we like to start each Payments Boot Camp talking about payments systems fundamentals and the common attributes that can be used to understand and position any payments system. In every workshop someone will raise their hand in the first ten minutes and ask about Bitcoin. They are always thinking that Bitcoin is so revolutionary it must somehow invalidate how to think about payments systems.
  • PoF 9 – Realtime Authorization and Messaging

    George Peabody
    20 Oct 2014 | 5:50 am
    Realtime, consumer-facing authorization of card payment transactions has been available for some time but few of us have it offered to us by our issuers. Today, there’s a number of technology providers selling truly realtime notifications and two-way approval requests based on the live authorization stream. Glenbrook’s Russ Jones takes us through what’s on offer while George gets grumpy over what he’s got today. As more consumers become thorougly alarmed over data and privacy breaches, this could be the time for issuers and independents to offer the…
  • A Central Bank Takes on Mobile Payments

    Elizabeth McQuerry
    16 Oct 2014 | 11:04 am
    Ecuador’s Central Bank has embarked on an ambitious course to launch an affordable and widely available mobile payment scheme.  In fact, it will be the national wallet. With some uncertainty, it appears that Ecuador’s initiative may be the second central bank effort to enter this space. Jordan’s central bank has launched “JoMoPay”, but for those of us who don’t read Arabic, details on the initiative are less than sparse. But as I return from Quito and the M2Money Andean conference, there are details to share on Ecuador’s effort. The central bank will be both the owner and the…
  • PoF 8 – Virtual Banking, PayPal, Apple Pay – A conversation with Dan Schatt

    George Peabody
    13 Oct 2014 | 5:08 am
    Join George Peabody in a conversation with Stockpile’s Dan Schatt on virtual banking, innovation, and the future of PayPal.  Dan is former GM of Financial Innovations at PayPal and the author of Virtual Banking: A Guide to Innovation and Partnering, a new book that includes a chapter on Bitcoin and math-based currencies by Glenbrook’s George Peabody.  We also discuss Stockpile’s innovative approach to equities ownership, a business model that will be fascinating to watch develop.
  • ApplePay, NFC, QR (Oh My!) and the New POS

    Jay DeWitt
    9 Oct 2014 | 1:00 am
    First There is a Mountain, Then There is No Mountain, Then There is… I’ve been thinking about what the future of the point of sale environment will look like from a consumer perspective. Of course, 10 years ago, we all knew what it was going to look like: consumers tapping their mobile phones to Near Field Communication (NFC) equipped POS terminals, transferring card data that looked a lot like magnetic stripe data. The card issuers loved the vision, the card networks loved it too, and the phone providers (who owned the space on the phone) were dreamy-eyed just thinking about all the…
 
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    Optirate.com

  • 10 Management Principles of SuperCommunity Banking

    Serge Milman
    29 Sep 2014 | 6:25 am
    Managing SuperCommunity Banks is no different from managing other companies, with the exception of the strong need for decentralized decision making while maintaining controls and building the entrepreneurial spirit of the enterprise. Read the 10 tried and true management principles that work especially well for the leadership of SuperCommunity banks. Read more at http://www.Optirate.com
  • Affluent Customers Want Service On Social Media

    Serge Milman
    29 May 2014 | 6:30 am
    Affluent and Wealthy consumers prefer customer service via remote channels rather than face to face. This is as true for GenY as it is across all generations. That is, interactions across virtual channels, and specifically social media, has become ubiquitous. This, according to an infographic entitled: Your wealthiest customers want service on Social Media researched [Read More...] Read more at http://www.Optirate.com
  • The (Highly) Discounted Value of Checking Accounts

    Serge Milman
    12 May 2014 | 6:45 am
    Does product or service usage imply value? for the customer? for the service provider? Unfortunately, for Banks and Credit Unions the answer is NO! Read more at http://www.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
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    BAI Banking Strategies

  • Hiring Bankers Who Can Sell

    23 Oct 2014 | 10:00 pm
    As bank branches move from transactional hubs to sales centers, financial institutions need to focus more on hiring bankers who possess both the ability and desire to sell, say BAI Retail Delivery 2014 panelists.
  • Apple Pay as Enhancer, Not Disruptor

    21 Oct 2014 | 10:00 pm
    Contrary to many prognosticators, Apple Pay is likely to enhance the existing payments system rather than disrupt it.
  • Managing Through Changing Consumer Behavior

    20 Oct 2014 | 10:00 pm
    BAI Retail Delivery 2014 speaker and former TaylorMade Golf CEO Mark King says banks need to deal with changing consumer behavior – just like the golfing industry.
  • Improving Sales Growth at the Point of Sale

    19 Oct 2014 | 10:00 pm
    Improving organic sales growth requires delivering an omnichannel experience for customers, particularly during the onboarding process.
  • Mobile Technology from the Branch Perspective

    16 Oct 2014 | 10:00 pm
    In their eagerness to sign up customers for mobile banking, financial institutions should not overlook the capabilities of mobile technology in the branch.
 
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    spark

  • 21 Day Challenge Changed My Life

    Denise Bahs
    21 Oct 2014 | 12:37 pm
    Have you taken the 21 day challenge? I was born with “skinny” genes and never had to worry about exercise. That is until age caught up with me. I still consider myself to be on the skinny side, but things like hip pain, sleeplessness, and good old flab (yuck) began to creep in. I really HATED working out and that was a problem. Every time I would  think about working out, I would do this mental dance with myself. “I really SHOULD work out. But I really don’t want to. You’ll feel better when it’s over. Maybe I’ll do it later or tomorrow.” The…
  • Fingerprint scanning – Convenience or Slippery Slope?

    Denise Bahs
    16 Oct 2014 | 7:15 am
    Convenience or slippery slope? We’ve come a long way baby when it comes to giving up our identities and sacrificing privacy (and that is strictly an observation, not necessarily a rant). It’s just the way the world has changed, and Apple has been instrumental in leading the charge. Apple Pay is scheduled to be released in a couple days and I will be one of the first in line to use it. Apple began using fingerprint technology in the iPhone 5 for the unlock feature. People love it – according to Lee Wetherington, Director of Strategic Insight with Jack Henry & Associates and keynote…
  • Permission to Fail Granted

    Denise Bahs
    9 Oct 2014 | 7:20 am
    For the first time in 15 years, I walked into a yoga studio. A bit apprehensive, I wondered if I would I remember all those poses. Will I have any balance? Will I look dumb? Will the teacher be annoyed if I can’t keep up? These questions nagged at the back of my consciousness. The grown-up in me said, “Who cares what they think?” But yet those thoughts were STILL there. “Leave your egos at the door people,” was the first thing the teacher said. “It doesn’t matter if you fall, or need to take a break, or sound funny breathing.” Instantly, I felt better. Why? Because she gave us…
  • Why it’s important to put a human face on your brand

    Denise Bahs
    2 Oct 2014 | 10:54 am
    “Know me, like me, trust me.” This is the new secret sauce for growing your business. People want to do business with people they know, like and trust. Traditional marketing efforts, while still valuable, are only part of the equation now. Building your social authority and gaining TRUST is the new black. As a Social Media Coach at Profitecture, I teach the fundamentals of building social authority for companies and individuals. One of the most common questions from students is, “should all of our posts be about business?” The answer is No! Just like in real life, when…
  • Looking for blogging inspiration?

    Denise Bahs
    23 Sep 2014 | 8:28 am
    Looking for Inspiration? Brilliant ideas don’t just pop into our heads, well, not mine anyway. In order to be consistent with blogging,  I have to search for inspiration and one of the keys to finding good blogging fuel is to have a go-to list of places to hunt. Here’s my go-to list which fills my cup of inspiration: Bookmarking sites: You have to be careful  because once you start hunting around, you can go straight down the rabbit hole and emerge several hours later! However, they are a great way to find great information usually vetted by the community as a whole. Here are a…
 
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    Mountain Money by MACU

  • Local Service. Global Good.

    Mountain America
    16 Oct 2014 | 9:40 am
    International Credit Union Day. Local Service. Global Good. At Mountain America, we love our members.
  • Halloween Offers

    Mountain America
    9 Oct 2014 | 11:25 am
    Boo! Halloween is coming and Mountain America Credit Union is celebrating with spooktacular offers. The Haunted Village at This is the Place State Park. Visit any Mountain America branch along the Wasatch front and pick up a $5 off voucher beginning October 6. Join Mountain America at Boo at the Zoo in Idaho Falls on October 28th, 29th and 30th and receive a special offer. Have an A-MAZE-ing time at the Bluebell Corn Maze and stop by the Mountain America booth for a youth offer you can’t pass up. Open through October 25. The Great Pumpkin Giveaway. Stop by one of the branches listed below…
  • Infographic: Hidden Cost of Zero Percent Interest Credit Cards

    Mountain America
    16 Sep 2014 | 2:26 pm
      *Variable APR as low as 7.99% Embed This Image On Your Site (copy code below): Courtesy of: Mountain America Credit Union
  • Back-To-School on a Budget Infographic

    Mountain America
    1 Sep 2014 | 2:33 pm
    Embed This Image On Your Site (copy code below): Courtesy of: Mountain America Credit Union
  • 5 Back-to-School Tips

    Mountain America
    19 Aug 2014 | 12:03 pm
    Every year, back-to-school shopping seems to spring upon parents as they  check everything off the list in preparation for a smooth school year. Make the transition from pool to classroom a little easier with these five simple back-to-school tips. Shop From Home Start your back-to-school shopping spree by checking out your own supplies at home. You most likely already have a number of items on your child’s list for the upcoming year. Grab a bag for you and your child and make it into a fun game to see who can find the most items on the list. Be Creative Let your kids personalize their…
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    Bankrate.com » Banking

  • Citibank increases checking fees

    David McMillin
    23 Oct 2014 | 3:00 pm
    Citibank is about to make checking cost even more for account holders.
  • Bank privacy disclosures go paperless

    David McMillin
    23 Oct 2014 | 4:00 am
    The CFPB is implementing a new rule that will allow certain banks and credit unions to stop sending privacy disclosures via standard mail. Do you understand your bank's privacy policies?
  • Obama signs order to fight card fraud

    Claes Bell
    22 Oct 2014 | 1:00 pm
    President Obama has signed an executive order directing the federal government to take some incremental steps to fight card fraud and identity theft.
  • Pot shop talk in Colorado Senate race

    David McMillin
    18 Oct 2014 | 5:00 am
    As mid-term elections near, there is one area where Colorado Senate candidates agree with each other: marijuana businesses need access to the banking system.
  • Your debit card will get a chip soon

    Claes Bell
    17 Oct 2014 | 3:00 pm
    The next debit card you get will probably have a little golden chip in it, and that's a good thing.
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    Banking Sense

  • What Is Taxable Income? Knowing What You Have To Pay

    Natalie Cooper
    25 Oct 2014 | 10:00 am
    If you are required to pay taxes in the United States, you may understandably be looking for a way to decrease your tax liability each year. The fact is that some individuals may be required to pay as much as 15 percent, 20 percent or more of their taxable income to the Internal Revenue Service for federal taxes. The good news is that your taxable income is not usually the same as your gross income, and it actually is often significantly lower. Understanding the difference between these two figures can help you to identify different steps that you can take to reduce your tax liability each…
  • Affordable Life Insurance Policies: How To Find Better Rates

    Natalie Cooper
    25 Oct 2014 | 6:00 am
    According to LIMRA’s Life Insurance Barometer Study in 2013, 65% of Americans do not have any form of life insurance. That is an absolutely astoundingly high number. The main reason for not purchasing life insurance among consumers surveyed is the cost. What is more surprising is that many people just make the assumption they cannot afford life insurance without even pricing a policy. If any of this sounds familiar, there is no need to feel embarrassed. However, it is important to educate yourself on some of the basics of life insurance starting with the best ways to find better rates.
  • What Stocks To Buy: Things You Should Consider

    Natalie Cooper
    24 Oct 2014 | 3:30 pm
    It is no secret that stocks are one of the best ways for individuals to accumulate wealth. The right stock can deliver returns that dwarf those from many other types of investments. An investor who bought Microsoft stock in 1986 and who held onto it would have seen a return in the area of 35,000 percent. Along with the potential rewards, stock investing can be thrilling. Of course, it all starts with picking the right stock. How Does an Investor Find the Next Microsoft? The key to stock market success is to evaluate companies based on the right criteria. The problem is that numerous factors…
  • What Is Considered Middle Class?

    Natalie Cooper
    24 Oct 2014 | 1:00 pm
    As economic politics rage on, minimum wage increases and loan policies placed under the microscope, many are left mystified about the realities of finances and where categories actually exist. In the US, “middle class” refers to the economic bracket that is above “poor,” but well beneath “wealthy.” It’s often the financial state of being associated with the fabled “American Dream” making it an economic state to aspire to. This usually comes with a sense of stability, thoughts of a decent career, owning a home, and a decent credit rating.
  • Car Repossession And What It Does To Your Credit Report

    Natalie Cooper
    24 Oct 2014 | 10:00 am
    It’s common for people to experience financial troubles. When this happens, loan payments might be put off — in some cases for too long. Before too long, not making car loan payments will lead to the car being repossessed by the holder of the loan. This will create a negative impact on your credit score. A loan for a repossessed vehicle will show up as being in default. Effects In the financial world, repossession of a vehicle means a person did not finish paying their loan obligation. The lender had to commit financial resources to repossess the property and put it back on the…
 
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