Banking

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  • The New Lean, Wired, Changing World of Human Resources

    Gonzobanker.com
    Terence Roche
    30 Oct 2014 | 2:16 pm
    “After finding no qualified candidates for the position of principal, the school board is extremely pleased to announce the appointment of [David S.] to the post.” -Actual announcement sent to parents Last week, I had the pleasure of spending two days with a group of nine HR managers at a GonzoBanker Roundtable discussing their successes, challenges and issues. Now, I’m guessing most bank execs don’t spend a lot of time in HR and spend even less time thinking about their world. Well, here’s a news flash: whatever old school ideas might have prevailed about this group, it’s time to…
  • For Pot, Inc., the Rush Begins

    NYT > Banking Industry
    1 Nov 2014 | 9:00 pm
    With medical marijuana coming to New York, a curious collection of players is jockeying to cash in.
  • Treating Loan Applicants with Respect

    NetBanker
    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…
  • Headline News from PaymentsNews.com - October 31, 2014

    Payments News - from Glenbrook Partners
    Payments News Editor
    31 Oct 2014 | 6:08 am
    On the Web: Apple Pay, partnerships and software as disruption - Benedict Evans - "Finally, I suspect that for Apple the most important part of Apple Pay may be its use in apps, not at physical retail." QVC leverages Touch ID for faster payment options - Mobile Commerce Daily - "QVC is leveraging Apple’s fingerprint sensor Touch ID technology to allow for streamlined user log-in to its mobile application and faster payment methods." Yes, Apple Pay will disrupt in-store purchases — but its impact on in-app commerce may be even greater - PandoDaily - "As this transition occurs, the…
  • US Banks payments jump from days of the Beatles all the way to 2005’ish for rest of the world

    The Bankwatch
    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…
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    Gonzobanker.com

  • The New Lean, Wired, Changing World of Human Resources

    Terence Roche
    30 Oct 2014 | 2:16 pm
    “After finding no qualified candidates for the position of principal, the school board is extremely pleased to announce the appointment of [David S.] to the post.” -Actual announcement sent to parents Last week, I had the pleasure of spending two days with a group of nine HR managers at a GonzoBanker Roundtable discussing their successes, challenges and issues. Now, I’m guessing most bank execs don’t spend a lot of time in HR and spend even less time thinking about their world. Well, here’s a news flash: whatever old school ideas might have prevailed about this group, it’s time to…
  • 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…
 
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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 31, 2014

    Payments News Editor
    31 Oct 2014 | 6:08 am
    On the Web: Apple Pay, partnerships and software as disruption - Benedict Evans - "Finally, I suspect that for Apple the most important part of Apple Pay may be its use in apps, not at physical retail." QVC leverages Touch ID for faster payment options - Mobile Commerce Daily - "QVC is leveraging Apple’s fingerprint sensor Touch ID technology to allow for streamlined user log-in to its mobile application and faster payment methods." Yes, Apple Pay will disrupt in-store purchases — but its impact on in-app commerce may be even greater - PandoDaily - "As this transition occurs, the…
  • Headline News from PaymentsNews.com - October 30, 2014

    Payments News Editor
    30 Oct 2014 | 7:29 am
    On the Web: Dwolla and BBVA Compass to team up, offer real-time, or “streaming” payments - The Dwolla Blog - "Dwolla FiSync is a small, but powerful API designed to allow banks and credit unions to “talk” to Dwolla’s existing network, extending our “real-time by default” network..." Chip & PIN vs. Chip & Signature - Krebs on Security - "Most card issuing banks and Visa don’t want PINs because the PINs can be stolen and used with the magnetic stripe data on the same cards (that also have a chip card) to withdraw cash from ATM machines." Forget…
  • Headline News from PaymentsNews.com - October 29, 2014

    Payments News Editor
    29 Oct 2014 | 4:38 am
    On the Web: China Eases Monopoly on Handling of Credit Card Payments - Wall St. Journal - "The State Council, the nation’s cabinet, said in a statement on the main government website late Wednesday that qualified domestic and foreign firms can apply to set up bank card-clearing operations..." Ex-Googler Sees Opportunity as Credit Cards Lose the Magnetic Stripe - Wall St. Journal - "On Wednesday, Bedier launched a startup called Poynt Co. and unveiled the company’s first product, a merchant terminal that reads chip-and-pin cards." Why This Google Wallet And PayPal Vet Thinks His…
  • Headline News from PaymentsNews.com - October 28, 2014

    Payments News Editor
    28 Oct 2014 | 7:11 am
    On the Web: Let’s Just Skip Sig and Go to Chip and PIN - PaymentsViews.com (Jay DeWitt) - "When in Canada, I used my cards many times and my main impression was that this chip and signature stuff was stupid, and it would have been so much easier to have been assigned and using a PIN!" Walmart and Apple Are Quietly Fighting the Most Interesting War In Business - Money - "Apple Pay is not simply a fun new feature for your smartphone. It’s the most audible shot in a larger conflict that pits retailers against credit card companies and banks in a battle for the future of payment."…
  • Headline News from PaymentsNews.com - October 27, 2014

    Payments News Editor
    27 Oct 2014 | 11:02 am
    On the Web: Payments on Fire Podcast #10 – On Faster Payments in the US - PaymentsViews.com (Carol Coye Benson) - "In this interview with Glenbrook’s founding partner Carol Coye Benson, we discuss the prospects for a faster payments system in the US." Wells Fargo Enticing Users to Try Apple Pay With $10-$20 Credits - MacRumors - "In an effort to encourage users to adopt Apple Pay, Wells Fargo has just launched a program offering credits of up to $20 just for trying out the service." Credorax Raises $40 Million To Become A Payment Acquirer For The Internet Age - TechCrunch - "The…
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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

  • FasTracks at 10: RTD's sprawling rail-transit construction project is still rolling (Video, slideshow)

    Cathy Proctor
    31 Oct 2014 | 3:58 pm
    Ten years ago, Denver area voters approved by a 58-42 percent margin the Regional Transportation District's ambitious plan to build 122 miles of passenger rail line to link the metro area together — in just 12 years. That construction project — known as FasTracks — would greatly expand on RTD's existing light-rail network, which began service 20 years ago, in October 1994. The FasTracks plan, as envisioned in 2004, is still a work in progress. RTD officials said earlier this year that the…
  • Regulator ends order on River City Bank over technical violation

    Mark Anderson
    31 Oct 2014 | 2:18 pm
    The Federal Deposit Insurance Corp. on Friday announced it ended its consent order with River City Bank over overdraft fee disclosures. In October 2013, the regulator hit the Sacramento-based bank with a consent order over the way the bank recorded customer opt-ins for overdraft protection fees. The order cost River City $1.2 million, most of which was customer reimbursement, along with a $175,000 fine to the FDIC. The order terminating the consent order is dated Sept. 22, but was announced Friday…
  • Amazon has more women in its ranks than other big tech companies – but is just as white

    Rachel Lerman
    31 Oct 2014 | 2:12 pm
    Amazon followed many of its fellow tech companies Friday and released its diversity statistics. The report didn't bring many surprises — the workforce is mostly male, and mostly white. But it does have significantly more women in its ranks than Microsoft and Google. Amazon reported that 37 percent of its global workforce is female, and 60 percent of its U.S. workforce is white. Microsoft reported earlier this month that women made up 29 percent of its workforce, an increase from 24 percent last…
  • EagleBank closes merger with Virginia Heritage

    Mark Holan
    31 Oct 2014 | 2:00 pm
    Eagle Bancorp, parent of Bethesda-based EagleBank, has officially closed its merger of Virginia Heritage Bank, company chairman and CEO Ron Paul told me late Friday. "Everything I hoped for when we signed the definitive agreement in June has come through," he said. "Going forward, we have the integration process to go through in November. That's something David [Summers, VHB's chairman and CEO], both boards and all 400 employees will work to accomplish." The conversion process begins Nov. 7 and…
  • University salaries: Who's the highest-paid employee at Florida State University?

    Shaun Bevan
    31 Oct 2014 | 1:53 pm
    More than 648 people at Florida State University make more than $100,000 a year. That doesn't include FSU head football coach Jimbo Fisher's $4.1 million salary, but goes to show that it's good to work for university. Click here for a list of the Top 50 highest-paid employees at FSU. According to the State University System of Florida's spring 2014 data, FSU has some of the highest-paid employees within the Sunshine State's higher-education system. Of those previously mentioned, 76 employees…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • FasTracks at 10: RTD's sprawling rail-transit construction project is still rolling (Video, slideshow)

    Cathy Proctor
    31 Oct 2014 | 3:58 pm
    Ten years ago, Denver area voters approved by a 58-42 percent margin the Regional Transportation District's ambitious plan to build 122 miles of passenger rail line to link the metro area together — in just 12 years. That construction project — known as FasTracks — would greatly expand on RTD's existing light-rail network, which began service 20 years ago, in October 1994. The FasTracks plan, as envisioned in 2004, is still a work in progress. RTD officials said earlier this year that the…
  • Regulator ends order on River City Bank over technical violation

    Mark Anderson
    31 Oct 2014 | 2:18 pm
    The Federal Deposit Insurance Corp. on Friday announced it ended its consent order with River City Bank over overdraft fee disclosures. In October 2013, the regulator hit the Sacramento-based bank with a consent order over the way the bank recorded customer opt-ins for overdraft protection fees. The order cost River City $1.2 million, most of which was customer reimbursement, along with a $175,000 fine to the FDIC. The order terminating the consent order is dated Sept. 22, but was announced Friday…
  • Amazon has more women in its ranks than other big tech companies – but is just as white

    Rachel Lerman
    31 Oct 2014 | 2:12 pm
    Amazon followed many of its fellow tech companies Friday and released its diversity statistics. The report didn't bring many surprises — the workforce is mostly male, and mostly white. But it does have significantly more women in its ranks than Microsoft and Google. Amazon reported that 37 percent of its global workforce is female, and 60 percent of its U.S. workforce is white. Microsoft reported earlier this month that women made up 29 percent of its workforce, an increase from 24 percent last…
  • EagleBank closes merger with Virginia Heritage

    Mark Holan
    31 Oct 2014 | 2:00 pm
    Eagle Bancorp, parent of Bethesda-based EagleBank, has officially closed its merger of Virginia Heritage Bank, company chairman and CEO Ron Paul told me late Friday. "Everything I hoped for when we signed the definitive agreement in June has come through," he said. "Going forward, we have the integration process to go through in November. That's something David [Summers, VHB's chairman and CEO], both boards and all 400 employees will work to accomplish." The conversion process begins Nov. 7 and…
  • University salaries: Who's the highest-paid employee at Florida State University?

    Shaun Bevan
    31 Oct 2014 | 1:53 pm
    More than 648 people at Florida State University make more than $100,000 a year. That doesn't include FSU head football coach Jimbo Fisher's $4.1 million salary, but goes to show that it's good to work for university. Click here for a list of the Top 50 highest-paid employees at FSU. According to the State University System of Florida's spring 2014 data, FSU has some of the highest-paid employees within the Sunshine State's higher-education system. Of those previously mentioned, 76 employees…
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    Bank Lawyer's Blog

  • Cheech and Chong Join The FDIC

    Kevin Funnell
    30 Oct 2014 | 7:59 pm
    There was some rather surprising news this week via the American Banker (paid subscription required) regarding banking: the FDIC is following FinCEN's lead in telling banks in Colorado (and elsewhere) to "smoke 'em if you've got 'em." The Federal Deposit Insurance Corp. has quietly aligned itself with guidelines from the Financial Crimes Enforcement Network that are meant to assuage bankers' fears about the burgeoning marijuana industry, American Banker has learned. Back in February, when Fincen released its guidance, the FDIC declined to comment on the…
  • Redirecting The Potshots

    Kevin Funnell
    28 Oct 2014 | 8:02 pm
    Jim Nussle, CEO of the Credit Union National Association wrote an opinion piece in The American Banker (paid subscription required) that rang a bell with this bank lawyer. As I've been urging for some time, Jim thinks it would be a good idea if community bankers and credit union officials could stop sniping at each other long enough join hands against a common enemy: the crushing burden of regulations. I believe credit unions can work with small banks to create momentum and put pressure on both legislators and regulators to reduce unnecessary and cumbersome regulations. This could be a…
  • 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…
 
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
 
  • add this feed to my.Alltop

  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
  • add this feed to my.Alltop

  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
 
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
 
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
 
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
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  • Buyer snatches 'real ghost town' for $1.9M

    31 Oct 2014 | 11:37 pm
    Buyer snatches 'real ghost town' for $1.9MTwitterA 62-acre, abandoned Connecticut ghost town with eight historical structures was just auctioned off to a mystery buyer. Inside the eerie village More spooky things to read'Frightful' credit cards to watch Home buying can haunt you
  • Cavs, Bulls go to OT in potential playoff preview

    31 Oct 2014 | 11:37 pm
    Cavs, Bulls go to OT in potential playoff previewGettyLeBron James rebounded from Thursday's poor performance as the Eastern Conference heavyweights battled into overtime.Plus, Chicago star injured yet againIn other sports newsMike Tyson's heartbreaking claimSeahawks to honor Marysville
  • Flying cars are no longer science fiction

    31 Oct 2014 | 11:37 pm
    Flying cars are no longer science fictionA Slovakia-based company revealed their latest prototype, which uses gas and fits in parking spots.Watch it transform from car to planeMore to seeSix new 'Harry Potter' essays outRussia Fashion Week moments
  • Hawaii residents arrested for ogling hot lava

    31 Oct 2014 | 11:37 pm
    Hawaii residents arrested for ogling hot lavaAPPolice took a couple into custody after they were caught trespassing on county property while trying to get close to the molten rock Friday. Why they brought golf clubsMore to seeJust how hot is lava?Mammoth skeleton unearthed
  • Third Wash. shooting victim dies in hospital

    31 Oct 2014 | 11:37 pm
    Third Wash. shooting victim dies in hospitalAPFourteen-year-old Shaylee Chuckulnaskit died Friday, raising the death toll from last week's tragedy to four, including the shooter.Heartfelt statement from her familyIn other newsVerdict in FAMU hazing deathEric Frein's writings detail attack
 
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    MyBankTracker.com

  • Use a Zero Percent Credit Card Balance Transfer to Pay Off Debt

    Jeff Yoncich
    31 Oct 2014 | 12:30 pm
    When credit card balances — or any high interest debt — begins to pile up on you, it’s time to consider the options for getting your finances under control. In many cases, a good choice to pay down debt, plastic or otherwise, is to transfer it with a low-interest credit card offer. But you need to know the best way to use a zero percent credit card balance transfer, so you don’t end up with more debt. Flickr |…
  • Avoid Email Scams With These ‘Phish’ and Tips

    Peter Bennett
    31 Oct 2014 | 9:00 am
    It’s your annoying alumni association emailing you again about its latest endowment campaign, but this time — whether you’re feeling extra guilty or you just got a promotion — instead of striking delete on your keyboard, you click on the link to donate, taking you to a website where your university’s mascot is doing a little leprechaun dance. After you stop grinning, you compliantly enter your pin, social security number and other pertinent financial information to complete the transaction, and you feel good about finally supporting your school. Flickr |…
  • 6 Ways to Lower the Cost of Dying So It Doesn’t Send You to an Early Grave

    Peter Bennett
    31 Oct 2014 | 2:00 am
    Although you can’t cheat death, you can certainly cut the costs associated with your inevitable demise. One death occurs every 13 seconds in the United States for about 2.5 million deaths annually. If you think your living expenses are getting out of control, you should consider the cost of dying. End-of-life and funeral costs alone are enough to send anyone to an early grave. Flickr |…
  • 5 Ways You’re Fooled Into Paying More Rent

    Marina Shifrin
    30 Oct 2014 | 12:30 pm
    Finding your dream apartment is about half the battle in the rental process. There are many steps you can take to ensure you are paying best possible price for you budget. Did you know you could negotiate your rent? Utilities? Have you ever thought of moving two blocks from your dream neighborhood? Check out some reasons you’re fooled into paying more rent and the steps you can take to make smarter and more cost-efficient choices. Flickr |…
  • Does Paying Off Old Debt Always Make Sense?

    Rebecca Lake
    30 Oct 2014 | 8:57 am
    Part of building good credit means staying on top of your obligations but if you lose track of a bill somewhere along the way, it may come back to haunt you. Paying off old debt can keep creditors at bay but there are some pros and cons to think about before you hand over the cash. Flickr |…
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    Payments Views from Glenbrook Partners

  • Let’s Just Skip Sig and Go to Chip and PIN

    Jay DeWitt
    28 Oct 2014 | 3:00 am
    Last week I was in Victoria, British Columbia doing one of our Glenbrook Payments Assessments.  In anticipation of my trip to the North American Land of Chip andPIN, I had both a Visa and an Amex card reissued in the chip format.  Neither of my issuers supported PINs on my credit cards, so I was informed by both of the issuers that I’d be in chip and signature mode. When in Canada, I used my cards many times and my main impression was that this chip and signature stuff was stupid, and it would have been so much easier to have been assigned and using a PIN! Had I had a PIN, I…
  • PoF 10 – On Faster Payments in the US

    George Peabody
    27 Oct 2014 | 7:59 am
    In this interview with Glenbrook’s founding partner Carol Coye Benson, we discuss the prospects for a faster payments system in the US. Responding to the October 22 announcement by The Clearing House, Carol expresses her caution and hope for ways to accelerate replacement of today’s system for credit push payments.
  • 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…
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    BBR - News

  • Liechtensteinische Landesbank, Avaloq unveil investment advisory platform

    31 Oct 2014 | 1:26 am
    Liechtensteinische Landesbank, Avaloq, and swissQuant Group have established a partnership for the development of a future-oriented IT platform for investment advisory. Already in one year LLB clients will profit from further innovative products and individualised advisory offers.
  • Temenos launches mobile banking solution for retail banks

    31 Oct 2014 | 1:16 am
    Temenos, the market-leading provider of mission-critical solutions to the financial services industry, today announces the availability of its Temenos Connect Mobile Banking solution for retail banks – the first retail mobile banking solution to be underpinned by a user experience platform (UXP) that drives multi-device banking solutions.
  • Fiserv launches Popmoney platform to streamline payments

    31 Oct 2014 | 1:12 am
    Fiserv, a leading global provider of financial services technology solutions, announced today the launch of Popmoney for Disbursements, a new service that streamlines and speeds the currently check-dominated process used by businesses to send payments to consumers.
  • Barclays announces £500m provision for forex manipulation probe

    30 Oct 2014 | 5:00 pm
    British banking and financial services company Barclays has set aside £500m in the third quarter to settle probe into the alleged manipulation of the foreign-exchange (forex) market.
  • US reopens probe into Standard Chartered’s role in sanctions violations

    30 Oct 2014 | 5:00 pm
    The US regulators have reopened investigations to determine whether Standard Chartered withheld information regarding dealings with countries sanctioned by the US, including Iran.
 
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    KIVA Blog

  • So you generate a bunch of leads and referrals, what then?

    31 Oct 2014 | 1:30 pm
    Over the past 20 years, most successful financial services organizations have invested in the concept of developing a sales culture. Certainly training and hiring practices have played key roles in executing this strategy, but now technology needs to move the game to a new level. Automation of the sales process to date has focused largely on "next best product", sales and incentive plan administration, reporting and new account fulfillment. Lots of success, then what? A major opportunity to advance the sales strategy, that has been largely overlooked, is to automate the referral management…
  • Big Data.…Big Deal

    28 Aug 2013 | 12:06 am
    Of course the Big Vendors love Big Data it drags Big Hardware, Big Software, Big Consulting Fees.  We have seen Millions and Millions of Dollars, Pesos, and Bahts spent on Data Warehouses and other Data Management strategies all aimed at making “silo-ed data” accessible for organizational usage.  But while millions are spent to gather the data, the investments in frontline delivery technology are lagging. We recently met with a large organization who completed their Data Warehouse project with a large database provider and had no ability, whatsoever, to deliver the informational…
  • Talking to a “machine” doesn’t equate to poor customer service

    5 Mar 2013 | 2:49 am
    Personalized service is not lost due to the impersonal nature of technology. In fact, technology provides numerous opportunities for enhancing personalized service—it’s all about the way its applied to the interaction.Often times I hear bankers say “when our customers call us, a live person answers, not a machine.” Now, don’t get me wrong, this is a nice touch, but what happens next? Most people don’t mind interacting with a “machine” if the process is logical, clear and efficient. This is often much better than waiting on hold or being transferred three times, having to…
  • Where is the traditional teller role heading…oblivion?

    3 Jan 2013 | 8:54 am
    Indications are that the primary role of tellers will change at some institutions in the next few years, but not all. Conducting routine financial transactions with a live person is still preferred by a significant portion of the customer base, especially customers amongst an older demographic who tend to have higher net worth. Many institutions attempt to cost justify this personal service, through transaction fees or offsetting investments, with varying success. However, there is big opportunity to get a tangible payback on the Teller role—position them to participate in customer…
  • What defines a great Customer Experience?

    3 Dec 2012 | 12:57 am
    Perhaps it comes down to the question of what constitutes great service. My favorite answer being “I can’t define great service, but I know it when I see it.” I recently asked a group of call center managers this very question and the popular reply was “treat people the way you would want to be treated.” One person piped up and said that was wrong…You should treat people as they wish to be treated. Both are good points, but too conceptual. What works for you? For me, a great experience is made up of a series of basic steps: For starters, I like a genuine greeting with a smile that…
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    BAI Banking Strategies

  • With Onboarding, Cash Management Rules

    30 Oct 2014 | 10:00 pm
    Many retail banks are missing the chief goal of onboarding, which should be to establish the bank as the customer’s primary cash management provider.
  • Rightsizing the Branch

    28 Oct 2014 | 9:00 pm
    Analyzing deposits per-square-foot can help financial institutions determine whether they’re better off with one larger branch or two smaller locations.
  • Branch of the Future Network Innovations

    27 Oct 2014 | 10:00 pm
    Bankers preparing their branches for next-generation technology need to consider as well network innovations to improve bandwidth.
  • Procurement Analytics without Big Data

    26 Oct 2014 | 10:00 pm
    Getting to the nitty-gritty details of procurement spending can be done without the expense and complexity of using Big Data.
  • 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.
 
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    spark

  • LinkedIn gives you a powerful tool: Request your entire data archive.

    Denise Bahs
    29 Oct 2014 | 6:09 am
    The more I get to know LinkedIn, the more I like it. As Chuck Hester of Linked Conversations points out, their policies seem to focus on the user, NOT the network, which is contrary to some other networks. LinkedIn recently added a feature which I think everyone should take advantage of – it’s free and easy. LinkedIn will email you your entire archive of data in a handy zip file. Why is this so important? Contacts. Imagine LinkedIn crashed and everything was lost. You’d still have all your contacts and info associated with LinkedIn at your fingertips. For me that’s…
  • 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…
 
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    Mountain Money by MACU

  • 4 Tips for Techtober

    Mountain America
    28 Oct 2014 | 12:04 pm
    Technology is always evolving. In recent years, we’ve seen online and wireless technology change the way we communicate, shop, travel, learn and even date. Pretty much anything can be done with your home computer, smartphone or tablet. That includes managing your money. At Mountain America, we’ve developed a variety of ways to conveniently handle your finances, and all month long we’re celebrating those technological improvements. We call it Techtober, and it could be your ticket to faster, easier and more secure banking. Here are a few things you can do during Techtober: Make a Mobile…
  • 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
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    Bankrate.com » Banking

  • Stop posting selfie paycheck photos

    Claes Bell
    30 Oct 2014 | 10:30 am
    A massive ID theft fraud ring recently brought down by law enforcement had gotten some help from hapless Instagram users who posted selfies with their paychecks.
  • 3 scary approaches to saving

    David McMillin
    29 Oct 2014 | 3:00 pm
    Will your savings habits come back to haunt you? As Halloween approaches, here are three signs you might be tricking yourself when planning your personal finances.
  • 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.
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    Banking Sense

  • Where To Exchange Currency: Converting Foreign Money

    Natalie Cooper
    31 Oct 2014 | 3:30 pm
    Exchanging foreign currency, whether traveling abroad or exchanging money for dollars upon return home from a foreign visit, is one of the first things many travelers must attend to. There are a number of different ways that money can be exchanged, but there are certain advantages and disadvantages associated with each option. Most options charge some sort of fee or rate to exchange currency, and the higher the fee, the less value one’s currency ends up having. Places, such as those which boast convenience, will have the highest charges. What follows is a brief rundown on the main…
  • Lane Bryant Credit Card Review: The Pros and Cons

    Natalie Cooper
    31 Oct 2014 | 1:00 pm
    The Lane Bryant credit card is what is known as a store card, which means that the card is specifically for that brand and can normally only be used in that store and sometimes, its affiliates. In the case of Lane Bryant, the card can be used at Fashion Bug and Catherine’s, its two sister stores. For those that shop at Lane Bryant often, the card itself offers the convenience of buying on credit as well as consumer perks to encourage the use of plastic versus cash or other payment methods. As with any store card, the value is in the utility. If you shop at the store and can pay off the…
  • Safe Harbor 401K: What Is It?

    Natalie Cooper
    31 Oct 2014 | 10:00 am
    Businesses today have the option to provide employees with a number of benefits. Benefits may be available to promote a certain work environment to foster productivity and job satisfaction, or they may be offered as a supplement to standard compensation from a base salary. One of the more common types of benefits available to full-time workers today is a 401K retirement plan. While participation in these programs is optional, many employers have a contribution matching program that encourages employees to participate and that essentially can enhance the employees’ overall compensation…
  • Consumer Spending: Where To Find the Latest Trends

    Natalie Cooper
    31 Oct 2014 | 6:00 am
    When consumers feel confident about the state of the economy and about their personal financial situation, they will generally spend more money than if they lack this confidence. During times of economic crises, uncertainty in the labor markets and more, consumers generally will taper spending to conserve their financial resources. Spending may halt, or spending may focus on necessities rather than on luxury items like jewelry. Economists and others monitor consumer spending to keep a pulse on the state of the economy. After all, consumer spending is both a sign of economic health and…
  • Long Term Care Insurance Cost: How To Find a Policy

    Natalie Cooper
    30 Oct 2014 | 3:30 pm
    Long-term care insurance policies are increasing in demand. There are numerous companies that offer solutions, and now, patients just have to find which policy works best for them. If you’re interested in long-term insurance, here is what you need to know to find the best policy for you. The Basics of Long-Term Care Insurance Long-term care insurance is not like health insurance, because it covers more services including personal and custodial care. Long-term care insurance policies are designed to reimburse policyholders with a daily amount. The reimbursement is typically allocated to…
 
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