Banking

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  • Brock Thorpe Revisited

    Gonzobanker.com
    Scott Hodgins
    15 Dec 2014 | 9:49 am
    Greetings, GonzoBankers. This week I’ll introduce the next installment of our wildly popular comic novel, “Brock Thorpe, BadAss CIO.” Brock’s gotten over his omnichannel rage, but a visit from his new vendor rep has tested his patience yet again! Will Brock keep his cool? Will he act professionally despite his rising temperature? Or will Brock be Brock, and take matters to street level?  There’s only one way to find out. Check it out here!  Keeping it light for you as we glide into the holidays, Fans and Detractors alike! –Hodgins    
  • E.C.B. Will Publish Accounts of Meetings but Not Details on Votes

    NYT > Banking Industry
    18 Dec 2014 | 9:00 pm
    Its decision to keep the gatherings anonymous — unlike the Federal Reserve or the Bank of England — is likely to lead to criticism that it is less than transparent.
  • Oscar Ties Health Insurance Premiums to Fitness Tracker

    NetBanker
    Jim Bruene
    10 Dec 2014 | 3:47 pm
    As we speculate about the usefulness of wearables in payments and money management, an insurance startup has already launched a direct tie-in. Buzzy health insurance startup Oscar is paying customers $1 per day, up to $240 annually, when they hit their step goal tracked on a Fitbit-like tracker from Misfit. Oscar has attracted $150 million in venture capital and is looking to bring modern ecommerce thinking to the massive health insurance market. The company is looking to be on the forefront of insurance tech trends such mobile help from physicians, easy access to records, digital…
  • Headline News from PaymentsNews.com - December 18, 2014

    Payments News - from Glenbrook Partners
    Payments News Editor
    18 Dec 2014 | 6:40 am
    On the Web: Amazon Confirms Rollout of One-Hour Delivery Service - Wall St. Journal - "The service, first reported by The Wall Street Journal, is available in parts of New York, though Amazon said it would expand to other cities next year. Amazon will charge $7.99 for delivery within an hour, though two-hour delivery is free..." Billing and Payments — a potted history - FastMail Blog - "As a credit card merchant, an important thing is the chargeback rate — that is, the percentage of your payments that the cardholders dispute with their bank. If this rate gets too high, then the…
  • Treatment of Derivatives on US bank balance sheets is swept under the table

    The Bankwatch
    Colin Henderson
    13 Dec 2014 | 5:14 pm
    SEC. 629. From the unobligated balances available in the Securities and Exchange Commission Reserve Fund established by section 991 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Public Law 111– 203), $25,000,000 are rescinded With that (on P615 of the US Omnibus Spending Bill H.R. 83) the single largest concern from the 2007 banking crisis, which was front and centre in the Dodd Frank legislation is quietly removed. Derivatives. Banks won a measure easing restrictions on their derivative-trading activities. The change would affect requirements under the Dodd-Frank law…
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    Gonzobanker.com

  • Brock Thorpe Revisited

    Scott Hodgins
    15 Dec 2014 | 9:49 am
    Greetings, GonzoBankers. This week I’ll introduce the next installment of our wildly popular comic novel, “Brock Thorpe, BadAss CIO.” Brock’s gotten over his omnichannel rage, but a visit from his new vendor rep has tested his patience yet again! Will Brock keep his cool? Will he act professionally despite his rising temperature? Or will Brock be Brock, and take matters to street level?  There’s only one way to find out. Check it out here!  Keeping it light for you as we glide into the holidays, Fans and Detractors alike! –Hodgins    
  • Oh, Windows XP, It Seems We Hardly Knew Ye

    Thomas Borjon
    8 Dec 2014 | 3:15 pm
    Yet here we are, months past the April 8, 2014, deadline and you still have a whopping 24% market share. Why does everyone love you and cling to you when there is much better software out there? Why has Microsoft forsaken you? Like most things, there are many reasons for all of these factors. No one simple answer encases all the complications associated with Windows XP migration issues. Let’s dive in headfirst, in Gonzo fashion. Stability Windows XP was the first truly enterprise grade Windows Desktop Operating System available. The Blue Screen of Death (BSOD) appeared much less often than…
  • Apple Pay from the Front Lines

    Daryl Jones
    2 Dec 2014 | 2:04 pm
    It’s been a good three weeks since the new iPhone 6 arrived in the mail. It was a bittersweet moment as I had regretfully given up my iPhone 4S, primarily out of the geeky obsession that it was rumored to be the last product in which Steve Jobs was able to oversee development from start to finish. True or not, it led me to keep that phone much longer than my Samsung-loving family could bear. In fact, I threatened my wife I was going to keep the phone forever out of sentimental value. In the end, the $200 trade-in value got the better of her rational sensibilities. As a banker, clearly the…
  • Gonzo Goes to BAI Retail Delivery 2014: Sweet Home Chicago?

    Sam Kilmer
    18 Nov 2014 | 9:53 am
    The gloomy overcast ride from O’Hare followed the crushing Bears loss to the Packers, so BAI had to distract us with something provoking. And, man, did it ever … with the Aliens-esque signs of bankers getting their brains sucked out (or was it minds being blown by presenters, not sure?). With a focus on digital banking and branch transformation, it was interesting to see the attendee list with lots of sexy new customer experience and analytics titles. General Sessions After Retail Delivery had some mushy general sessions a few years ago, this is the second year in a row we have seen…
  • 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…
 
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    NetBanker

  • Oscar Ties Health Insurance Premiums to Fitness Tracker

    Jim Bruene
    10 Dec 2014 | 3:47 pm
    As we speculate about the usefulness of wearables in payments and money management, an insurance startup has already launched a direct tie-in. Buzzy health insurance startup Oscar is paying customers $1 per day, up to $240 annually, when they hit their step goal tracked on a Fitbit-like tracker from Misfit. Oscar has attracted $150 million in venture capital and is looking to bring modern ecommerce thinking to the massive health insurance market. The company is looking to be on the forefront of insurance tech trends such mobile help from physicians, easy access to records, digital…
  • Gift Card Season Off to the Races: Square Places New Bet, Starbucks Goes All-In, Banks Stuck at Starting Gate

    Jim Bruene
    21 Nov 2014 | 3:43 pm
    This week, digital poster child Square jumped into the plastic gift card market. Unlike many of its new endeavors, old-school cards were met with a decided lack of enthusiasm in the tech press (and my Twitter feed). Many recalled the company's failed efforts with virtual gift cards (which I liked then, and still do). Most people in the tech press (and even more so in my Twitter feed) want their iPhone to handle all transactions, loyalty points, and payments. But that's not quite how the world works yet. Even Starbucks, who claims 90% of all U.S. mobile payment (pre Apple Pay of course), just…
  • Six Digital Myths Hampering Banks' 2015 Strategic Planning

    Jim Bruene
    18 Nov 2014 | 10:35 am
    In late summer, I published a two-part post detailing the most important retail banking projects for next year (here and here). I've got another installment or two in the pipeline, but since it's already starting to feel like we are making our final descent into 2015, I wanted to take a step back and explain WHY those projects rose to the top. So here, in semi-prioritized order, are six myths that continue to hamper the strategic planning of retail banks (at least in the United States). Myth 1 >> Bank branches are needed for "complex" financial mattersTruth: Branch banking is…
  • Neo-Banking is Just Getting Started

    Jim Bruene
    12 Nov 2014 | 2:42 pm
    Definition: Neo-Bank Delivering banking services without touching the funds -------------------------  This morning, Celent's Stephen Greer published a post called, The Challenges of the New Neo-Bank, where he states: In recent months, the neo-bank model (e.g., Simple, Moven, GoBank) has hit a few stumbling blocks that call into question the promise of the digital-only model... Stephen goes on to lay out four scenarios for the future of neo-banks: 1. Neo-banks are acquired and assimilated into larger financial brands 2. Larger brands start their own digital "neo-bank-like" brands 3.
  • 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 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…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - December 18, 2014

    Payments News Editor
    18 Dec 2014 | 6:40 am
    On the Web: Amazon Confirms Rollout of One-Hour Delivery Service - Wall St. Journal - "The service, first reported by The Wall Street Journal, is available in parts of New York, though Amazon said it would expand to other cities next year. Amazon will charge $7.99 for delivery within an hour, though two-hour delivery is free..." Billing and Payments — a potted history - FastMail Blog - "As a credit card merchant, an important thing is the chargeback rate — that is, the percentage of your payments that the cardholders dispute with their bank. If this rate gets too high, then the…
  • Headline News from PaymentsNews.com - December 17, 2014

    Payments News Editor
    17 Dec 2014 | 5:15 am
    On the Web: Apple Pay’s growth increases pressure on retailers to jump on board - Mobile Commerce Daily - “Regarding retailers, unless the retailer is a member of CurrentC, there’s really no downside to accepting Apple Pay if their POS terminals are NFC enabled." Apple Pay in Afghanistan: Could US M-Payments Work Abroad? - CGAP Blog - "Why should someone in Afghanistan care about Apple Pay, and why should someone in Menlo Park care about M-PESA? Because the fundamental principles and lessons of mobile payments are universal." Conference of State Bank Supervisors Releases…
  • Headline News from PaymentsNews.com - December 16, 2014

    Payments News Editor
    16 Dec 2014 | 6:09 am
    On the Web: Banks: Park-n-Fly Online Card Breach - Krebs on Security - "...Park-n-Fly said it recently engaged multiple outside security firms to investigate breach claims made by financial institutions, but so far has been unable to find a breach of its systems." Mobile rewards gain stature as currency for airlines - Mobile Commerce Daily - “Last month, we began offering our MileagePlus X mobile app to a test group of members, enabling them to use their mobile devices to earn miles when making purchases at certain stores.” Dozens More Companies Sign Up for Apple Pay - New York…
  • Headline News from PaymentsNews.com - December 15, 2014

    Payments News Editor
    15 Dec 2014 | 7:23 am
    On the Web: Google Shopping to Counter Amazon - Wall St. Journal - "Google has approached retailers about creating a “buy” button for its online shopping site that would be similar to Amazon’s popular “one-click ordering” feature, according to people familiar with the discussions." Small Bank in Kansas Is a Financial Testing Ground - New York Times - "The creation of the new bank, and the maintenance of the old one, are the work of a couple who were born in India and ended up in Kansas after living in Silicon Valley and passing through jobs at Google and Lehman…
  • Headline News from PaymentsNews.com - December 12, 2014

    Payments News Editor
    12 Dec 2014 | 6:08 am
    On the Web: Instead of Fighting Bitcoin, the US Could Make Its Own Digital Currency - Wired - “I think Janet Yellen ought to get out in front of this,” Angel says, referring to the head of the Federal Reserve, “to basically put some competition into the payment space.” Why Mobile Payments Will Transform Retail - MediaPost (Alberto Jimenez) - "There is a large business opportunity that can be unlocked by understanding the relationship between online and in-store activities that take place before a purchasing decision and an actual transaction. Mobile payments will…
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    The Bankwatch

  • Treatment of Derivatives on US bank balance sheets is swept under the table

    Colin Henderson
    13 Dec 2014 | 5:14 pm
    SEC. 629. From the unobligated balances available in the Securities and Exchange Commission Reserve Fund established by section 991 of the Dodd-Frank Wall Street Reform and Consumer Protection Act (Public Law 111– 203), $25,000,000 are rescinded With that (on P615 of the US Omnibus Spending Bill H.R. 83) the single largest concern from the 2007 banking crisis, which was front and centre in the Dodd Frank legislation is quietly removed. Derivatives. Banks won a measure easing restrictions on their derivative-trading activities. The change would affect requirements under the Dodd-Frank law…
  • How not to manage IT failures

    Colin Henderson
    12 Dec 2014 | 8:37 am
    These are not quotes you want to see following a catastrophic IT failure such as hit UK NATS just now. Traffic control failure hits London flights He added: “We think it’s the whole of the UK,” He added the airport had no idea precisely what caused the problems. “We’ve got no idea how long it’s going to last. We’ve got no further information at the moment.” NATS said its engineers were en route to Swanwick to identify the problem. They would not give any further details but other than that it is a “technical problem” [ed. en-route from where one wonders?] natsFiled under:…
  • BBVA acquires big data startup Madiva | Finextra

    Colin Henderson
    10 Dec 2014 | 8:42 pm
    BBVA continue on their non-traditional bank approach following their purchase of Simple. This purchase is equally interesting being a company that is engaged in that persona non grata capability for bank regulators … the cloud! BBVA acquires big data startup Madiva BBVA has acquired Spanish big data and cloud computing startup Madiva Soluciones as part of its strategy to buy up companies that are developing new technologies and disruptive business models. Madiva Soluciones or Grupo Madiva – this from their home page translated by google.com/translate. BBVA has agreed to buy Madiva…
  • Bank-backed QR code-based mobile payments app launches in Belgium | Finextra

    Colin Henderson
    8 Dec 2014 | 8:27 pm
    Another interesting payment/ P2P payment play, this time in Belgium. What sets this one aside is the co-operation amongst banks to provide a common standard and method. Bank-backed QR code-based mobile payments app launches in Belgium Customers who download the app, pick their bank and add a Bancontact card before creating a six-digit code. To make instore, P2P and online payments, users then enter this code and scan a QR squiggle. The partners say that, thanks to the six-digit code, and because no data is stored on the phone, security is guaranteed. Card details are no longer stored in the…
  • CIO wanted; major entertainment, gaming company

    Colin Henderson
    8 Dec 2014 | 8:00 am
    It should be a safe bet the current person in that role at Sony, if he wasn’t gone after last weeks fiasco, then todays information about the PlayStation network being hacked and taken down, should do it. In the land of fintech we have many discussions about security risk, adequacy, potential over-reaction and generally finding the right balance between risk, and cost. Sony are a company highly dependent on technology but do not have the regulatory oversight banks have in the cybersecurity space. Sony do have the oversight however from customers and shareholders, that will ultimately…
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • NYSE parent proposes reforms to shift action from 'dark pools' to exchanges

    18 Dec 2014 | 10:52 am
    Intercontinental Exchange, owner of the New York Stock Exchange, is working on a proposal that would dramatically alter how the industry treats so-called "dark pools". The NYSE plan would encourage more trading on exchanges, rather than the pools, mainly by cutting exchange trading fees, Bloomberg explained. IntercontinentalExchange (NYSE: ICE) and other exchanges have an interest in making this happen because they've been losing business to the "dark pools", Bloomberg said, while regulators could…
  • Analytics firm Mixpanel wants to teach other entrepreneurs a lesson about fundraising

    Patrick Hoge
    18 Dec 2014 | 10:49 am
    Mixpanel, a 5-year-old mobile and web data analytics platform, has raised a $65 million Series B round of funding at a whopping $865 million valuation. Co-founder and CEO Suhail Doshi made the unusual move of disclosing the details of the investment Thursday in a blog post that explained for the benefit of other entrepreneurs how Mixpanel went about selling itself to investors. The San Francisco company, founded in 2009, had previously raised nearly $12 million from notable investors like Y Combinator,…
  • Here are Cincinnati's largest legal judgments of 2014

    Andy Brownfield
    18 Dec 2014 | 10:39 am
    Plaintiffs were big winners again in 2014 when it came to the largest legal judgments, winning more than $46 million in awards from local courts. The 10 largest judgments in Greater Cincinnati were all in excess of $1 million and totaled $39 million, all in favor of plaintiffs. We compiled the list based on information from the Leads section of the Business Courier, which is available to all subscribers. Some cases may still be working through the courts or on appeal. Check out the 10 largest…
  • Nike split about more than cash, says Arizona State exec

    Matthew Kish
    18 Dec 2014 | 10:36 am
    Arizona State's new deal with Adidas will pay roughly double its existing Nike contract, but a top athletic department official on Wednesday said the increased financial terms weren't the only reason for the switch. "The financials play a big part in it, but not the only part," said Greg McElroy, associate vice president and chief business development officer for the university's athletic department. McElroy said several other factors led to the switch, including that an Adidas employee will live…
  • Espirito Santo Bank responds to another customer lawsuit

    Nina Lincoff
    18 Dec 2014 | 10:25 am
    Espirito Santo Bank in Miami filed a motion Tuesday in response to a $500,000 customer lawsuit, stating that the court should dismiss the suit and that regulators should arbitrate the matter. The complaint in question, filed in early November by Miami-based De La Peña Group on behalf of Spanish national Olaf Bonales, alleges that Espirito Santo grossly mismanaged his funds by advising and allowing him to invest in high-risk Espírito Santo Financière (ESFIL) commercial notes. Bonales' complaint…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • NYSE parent proposes reforms to shift action from 'dark pools' to exchanges

    18 Dec 2014 | 10:52 am
    Intercontinental Exchange, owner of the New York Stock Exchange, is working on a proposal that would dramatically alter how the industry treats so-called "dark pools". The NYSE plan would encourage more trading on exchanges, rather than the pools, mainly by cutting exchange trading fees, Bloomberg explained. IntercontinentalExchange (NYSE: ICE) and other exchanges have an interest in making this happen because they've been losing business to the "dark pools", Bloomberg said, while regulators could…
  • Analytics firm Mixpanel wants to teach other entrepreneurs a lesson about fundraising

    Patrick Hoge
    18 Dec 2014 | 10:49 am
    Mixpanel, a 5-year-old mobile and web data analytics platform, has raised a $65 million Series B round of funding at a whopping $865 million valuation. Co-founder and CEO Suhail Doshi made the unusual move of disclosing the details of the investment Thursday in a blog post that explained for the benefit of other entrepreneurs how Mixpanel went about selling itself to investors. The San Francisco company, founded in 2009, had previously raised nearly $12 million from notable investors like Y Combinator,…
  • Here are Cincinnati's largest legal judgments of 2014

    Andy Brownfield
    18 Dec 2014 | 10:39 am
    Plaintiffs were big winners again in 2014 when it came to the largest legal judgments, winning more than $46 million in awards from local courts. The 10 largest judgments in Greater Cincinnati were all in excess of $1 million and totaled $39 million, all in favor of plaintiffs. We compiled the list based on information from the Leads section of the Business Courier, which is available to all subscribers. Some cases may still be working through the courts or on appeal. Check out the 10 largest…
  • Nike split about more than cash, says Arizona State exec

    Matthew Kish
    18 Dec 2014 | 10:36 am
    Arizona State's new deal with Adidas will pay roughly double its existing Nike contract, but a top athletic department official on Wednesday said the increased financial terms weren't the only reason for the switch. "The financials play a big part in it, but not the only part," said Greg McElroy, associate vice president and chief business development officer for the university's athletic department. McElroy said several other factors led to the switch, including that an Adidas employee will live…
  • Espirito Santo Bank responds to another customer lawsuit

    Nina Lincoff
    18 Dec 2014 | 10:25 am
    Espirito Santo Bank in Miami filed a motion Tuesday in response to a $500,000 customer lawsuit, stating that the court should dismiss the suit and that regulators should arbitrate the matter. The complaint in question, filed in early November by Miami-based De La Peña Group on behalf of Spanish national Olaf Bonales, alleges that Espirito Santo grossly mismanaged his funds by advising and allowing him to invest in high-risk Espírito Santo Financière (ESFIL) commercial notes. Bonales' complaint…
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    Bank Lawyer's Blog

  • De Novo Headwinds Abating?

    Kevin Funnell
    16 Dec 2014 | 7:44 pm
    The FDIC chose an odd way to announce a purported "thaw" in its long-denied freeze on de novo banks: Q&As. Released late last month, the brief document supplements a 1998 FDIC Policy Statement regarding applications for deposit insurance. It was generated by a request by a couple of bank trade organizations for clarification on several points, including pre-filing meetings, application processing time, initial capitalization, and an initial business plans. The trade groups were concerned that the policy of the FDIC announced in 2009 in FIL-50-2009, which, among other things,…
  • Feds To Tribes: Don't Bogart That Roach, Roll Some More

    Kevin Funnell
    14 Dec 2014 | 7:40 pm
    At the same time that the federal government is trying to drive Native American tribes out of the payday lending business, it is encouraging them to get into the pot business. As long as the file those Cheech & Chong SARs that were created out of whole cloth. Indian tribes can grow and sell marijuana on their lands as long as they follow the same federal conditions laid out for states that have legalized the drug, the U.S. Justice Department said Thursday. Oregon U.S. Attorney Amanda Marshall said that the Justice Department policy addresses questions raised by tribes about how…
  • FDIC Emails Reveal A Chokehold

    Kevin Funnell
    10 Dec 2014 | 7:38 pm
    While the report by the Senate Democrats on CIA "enhanced interrogation techniques" has been grabbing the attention of the press, the emails released by the staff of the House Committee on Oversight and Government Reform this week should be of interest to bankers who fear choking on regulatory overreach. In June, Darrell Issa's Committee issued subpoenas for such emails to the FDIC and the FDIC turned them over. They show a clear intent on the part of some FDIC officials to deny payday lenders who are operating in accordance with the law access to the banking system. The emails…
  • MJ Law 101

    Kevin Funnell
    7 Dec 2014 | 7:41 pm
    Being hooked up with a Colorado-based firm, I've given a lot of thought (and blog space) to the intersection of law (particularly banking law) and marijuana. As a result of these deep thoughts I'd like to say...uh...ummm..yeah... What? Dude! It turns out I'm not the only one hanging out at corner of Bank and Bong Streets. So has professor Sam Kamin of my former place of abasement, The University of Denver's Sturm College of Law. According to a recent article by the editor of the The Denver Post's "The Cannabist" column, Professor Kamin will teach a course…
  • Lousy Morale Is Not A Deterrent To Belief In The Greater Good

    Kevin Funnell
    4 Dec 2014 | 7:36 pm
    It's always sad when an agency dedicated to the proposition that all banks are created equal...equally bad, that is...falls short of its lofty ideal of seeing evil where others do not and wielding upon it The Sword of a Thousand Truths. Yet, we find that what we previously thought was just a minor dyspeptic episode suffered by a government bureaucracy otherwise chock-full of pristine beauty, peace, and contentment is, in fact, a virus of employee morale malaise that makes Ebola look like a cold sore. The Financial Protection Bureau, the U.S. government’s newest agency championed by…
 
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
 
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
  • add this feed to my.Alltop

  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
 
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
 
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
 
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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  • Conan 'shamed' in front of live audience

    18 Dec 2014 | 11:31 am
    Conan 'shamed' in front of live audienceE!Conan had been 'disappointing' his guests -- until Ellen stepped in to save the day (and make him feel guilty).How she made the host look badTake a peekOne skill all parents wish kids hadAwkward family holiday photos
  • Sen. Rand Paul sounds off on Cuba decision

    18 Dec 2014 | 11:31 am
    Sen. Rand Paul sounds off on Cuba decision Getty The potential 2016 candidate made a surprising comment on Thursday about Cuba -- one that majorly clashes with other GOP remarks.4-word opinion is very polarizing Related coverageJeb Bush weighs in on the moveMarco Rubio slams US efforts
  • Ordering pizza just got easier than ever before

    18 Dec 2014 | 11:31 am
    Ordering pizza just got easier than ever beforeGettyNot in the mood to call your local delivery joint? A new invention lets you order pizza to your door using a truly groundbreaking method.Other amazing inventions of 2014More to seeGreat tech gifts for the holidaysEvery 2014 viral video in one
  • Tsarnaev arrives in court for first time since 2013

    18 Dec 2014 | 11:31 am
    Tsarnaev arrives in court for first time since 2013APThe accused Boston Marathon bombing suspect appeared for his pretrial hearing in a courtroom packed with FBI agents Thursday.Emotional outburst as he exited More in the newsObama hands Castro a victory?Weatherman shot multiple times
  • Putin lashes out in bizarre press conference

    18 Dec 2014 | 11:31 am
    Putin lashes out in bizarre press conferenceGettyRussian President Vladimir Putin defended his policies in the wake of the ruble's catastrophic collapse Thursday, vowing to right the ship. Harsh accusations he made More news Carmakers stop deliveriesRussian rocket engines abound
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    Capital Solutions Bancorp » Blog

  • How To Figure Working Capital Needs

    Rob Oskins
    12 Dec 2014 | 6:30 am
    How to Figure Working Capital Working capital is the money your business uses to pay for day-to-day expenses. Eventually, every business runs short on occasion and will need a business line of credit or working capital funding to fill in the gaps. Today we’ll be discussing how to figure working capital so you can decide if your business needs working capital funding from an outside source. The working capital cycle The working capital cycle is the amount of time it takes to turn your goods/services into cash. The shorter it is, the better it is for your business. There are four parts to the…
  • Survive the Recession

    Rob Oskins
    24 Nov 2014 | 4:00 am
    How to Improve Cash Flow without Drastically Changing Your Business The good news is that we’re technically out of the recession. The bad news is, money is still not falling out of the sky. Every business and every market goes through fluctuations. Whether it’s a competitor opening down the street or a country-wide shift in the marketplace, the tide can turn on your business at any time, and frequently does. But there are plenty of things you can do other than grin and bear market changes. The way you structure your cash flow can make a HUGE impact on your business’ immunity to market…
  • The killer within your business … is you

    Rob Oskins
    18 Nov 2014 | 1:49 am
    When you think of things that could bring down your business, you probably think about outside forces such as too few customers, rising materials costs, or overbearing government regulation. But did you know that internal cash management issues are the primary reason most businesses fail? Who’s in charge of internal cash management? You are. Poor cash management: The #1 threat to your business’ success In the most simplistic terms, every business runs like a math equation: money comes in, and money goes out. If more is going out than coming in, the business will eventually fail. Period.
 
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    MyBankTracker.com

  • YNAB vs. Mint: Which Is the Better Budgeting Tool?

    Rebecca Lake
    18 Dec 2014 | 9:00 am
    For some people, sitting down and making a budget is about as pleasant as getting a root canal. Tracking your expenses, remembering when all of your bills are due and keeping an eye on what’s going in and out takes up a lot of time and it can lead to frustration if the numbers don’t add up correctly. Flickr |…
  • The Right Way to React When Your Chase Credit Card Gets Canceled

    Simon Zhen
    18 Dec 2014 | 1:00 am
    Credit cards, like other bank accounts, can change over time for many reasons. Card issuers can come out with newer cards and sometimes, they’ll automatically switch existing card customers to the new card. Or, perhaps the existing card isn’t getting enough applicants. Or, the card issuer is acquired by another company. Whatever the reason, when it happens to you, you are left with something that you didn’t sign up for originally. It’s not a great feeling. That’s what Chase credit customer (we’ll call him Charlie because he preferred to remain anonymous) experienced when…
  • 5 Financial Steps to Take Before Becoming a Stay-at-Home Parent

    Rebecca Lake
    17 Dec 2014 | 9:00 am
    Welcoming a new addition to your family for the first time is a big step and it’s definitely not something you want to do without planning ahead. Aside from buying all the essential baby gear, you also need to work out your financial strategy, especially when one parent is planning to leave their job and stay home full-time. Flickr | http://www.flickr.com/photos/quinnanya/7252237250 There are a lot of benefits that go along with being a stay-at-home parent but it can take a big toll on your finances if you’re not careful. If you haven’t prepared for how you’re going to…
  • Strategies to Maximize Your Credit Score By Keeping Old Credit Cards Open

    David Rodeck
    17 Dec 2014 | 1:00 am
    If you have an old, unused credit card lying around, it might seem like a good idea to close the accounts. After all, it’s just one more account to keep track of and there’s always the chance the card could get stolen. While this might seem like a responsible move, it can actually hurt your credit score. One of the easiest ways to maximize your credit score is to keep old accounts open and there are very few situations when you shouldn’t follow this advice. Flickr |…
  • 6 Private Student Loan Facts Lenders Won’t Tell You About

    Rebecca Lake
    16 Dec 2014 | 9:00 am
    Borrowing money to pay for college has become the norm for many  young adults these days, with total student loan debt in the U.S. topping $1 trillion. While most of that consists of federal loans, students are also borrowing from private lenders to the tune of approximately $165 billion. Flickr | http://www.flickr.com/photos/nmdmatt/272842527 While private loans can help to fill in the gaps in funding when you max out your federal loan eligibility, they’re not without certain pitfalls. Private lenders operate very differently when it comes to things like loan approval and repayment…
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    Payments Views from Glenbrook Partners

  • Regulation, the Blockchain and Programmable Money

    George Peabody
    7 Dec 2014 | 11:30 pm
    One of the truly interesting presentations at this year’s Money2020 was the speech by Ben Lawsky, superintendent of New York’s Department of Financial Services. Lawsky’s remarks focused on his department’s BitLicense proposal and demonstrated the struggle Lawsky and his team face as they create regulation for Bitcoin and math-based currencies (MBCs) in general. Released in July, the NYDFS proposed “BitLicense” regulatory framework requires comprehensive reporting, background checks and identity proofing of business leaders, as well as mandatory bonding for all BitLicense holders…
  • PoF 11 – Bitcoin, Banking, and Crypto 2.0 Approaches

    George Peabody
    1 Dec 2014 | 4:17 am
    Glenbrook’s George Peabody discusses Bitcoin and blockchain evolution with Sean Safahi, co-founder and CEO of Bold Financial Technologies, a provider of math-based currency services to the banking industry. Applications that make use of the bitcoin blockchain and consensus-based approaches are proliferating. We discuss these including the newly launched Stellar, a non-profit infrastructure provider for currency exchange and asset transfer.
  • Glenbrook’s Retailing Framework

    Russ Jones
    13 Nov 2014 | 4:59 am
    I’ve been thinking a lot about how payments and payment-related technologies fit into the emerging world of multi-channel commerce or omni-commerce as some people call it. When a lot of companies describe their omni-commerce strategy, they are usually talking about recognizing customers across channels and being able support a sales cycle that starts in one channel and finishes in another. Instead of parallel channels (store, online, call center) I think a better metaphor is to imagine a funnel where customers move through a wide area, near area, and localized experience right up to the…
  • Adventures in Attribution – The Apple vs. MCX Dialog

    Bryan Derman
    10 Nov 2014 | 3:08 pm
    Like many payments industry insiders, we have been following the recent impassioned industry dialog about the relative merits of Apple Pay and MCX’s CurrentC wallet with a combination of amusement and despair. The barbs and accusations being exchanged by the rival camps in this technological holy war between NFC and QR codes suddenly reminded me that many years ago I invested a big part of my academic career to the field in social psychology. I had a particular interest in the sub-discipline of Attribution Theory, which “deals with how the social perceiver uses information to arrive at…
  • 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 would have been…
 
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    BBR - News

  • BTG Pactual’s Chilean unit secures license to initiate banking operations

    18 Dec 2014 | 12:42 am
    The Chilean unit of independent investment bank Grupo BTG Pactual has secured a permanent banking license from Chile's banking and financial institutions regulator SBIF. This would enable the unit to initiate banking activities in the country by the end of January 2015.
  • UK government to sell stake in Lloyds Banking Group

    18 Dec 2014 | 12:41 am
    The UK government is set to sell more of its shareholding in Lloyds Banking Group and plans to return the group to private ownership and get taxpayers’ money back.
  • NBS licenses Mirabank from UAE

    17 Dec 2014 | 7:32 pm
    The NBS Executive Board has licensed today "Mirabank akcionarsko društvo Beograd", thereby completing the second phase of the bank founding process.
  • Delta Lloyd to sell Delta Lloyd Bank Belgium

    17 Dec 2014 | 7:27 pm
    Delta Lloyd has reached an agreement to sell Delta Lloyd Bank Belgium to Anbang Insurance Group for a consideration of €219m.
  • Middleburg Bank selects nCino

    17 Dec 2014 | 7:23 pm
    nCino has announced that $1.2 billion Middleburg Bank has selected its Bank Operating System to create more efficiency as well as build stronger loan relationships in its consumer and business lending.
 
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    spark

  • What happened in 2014? Here’s my Top List Snapshot

    Denise Bahs
    18 Dec 2014 | 7:04 am
    Ice Bucket Challenge As 2014 comes to a close, it’s fun to take a look back at how we are growing, changing, evolving (hopefully!) as a society and culture. Year-end lists give us a snapshot of those changes. Here are my favorite Top Lists for 2014! Enjoy! For the full lists, click on the links. Top Search Terms on Google: Robin Williams, World Cup, Ebola Top Trending YouTube Videos of 2014: Mutant Spider Dog Top Downloaded Apps (with the exception of games) Apple: Elevate, Hyperlapse, Yahoo News Digest Droid: Duolingo (Education), MyFitnessPal (Health & Fitness), Pandora…
  • The Difference between Kindness and Fondness

    Denise Bahs
    11 Dec 2014 | 5:41 am
    The Yoga studio is packed and people are jockeying for their “spots”. There is no extra room for coats, boots, bags, etc yet some people take up the needed space. Some people are friendly and chatty, while others are aloof. I find myself getting annoyed with others around me and draw inward rather than smiling or introducing myself. As the class gets going, the yoga teacher starts talking about the difference between kindness and fondness and how we do NOT need to be fond of someone in order to be kind. It was a good reminder and mental reboot. We all run into people who we are…
  • Apple Pay’s Black Friday Miss

    Denise Bahs
    3 Dec 2014 | 6:35 am
      The numbers are in on the usage of Apple Pay (Apple’s digital wallet) on Black Friday and they aren’t pretty. According to a survey of more than 400 users conducted by InfoScout, more than 95% of iPhone 6 and 6+ users could have paid with Apple Pay on Black Friday and didn’t. And most iPhone 6 and 6+ users haven’t even given it a try. I have a couple theories as to why: Reason #1. The honeymoon for Apple Pay was over before it began. On September 19, 2014, I tuned in to the live streamed iPhone 6 launch event and waited with anticipation. The excitement level was at a fever…
  • 7 Qualities of a Leader. Are you a Manager or a Leader?

    Denise Bahs
    19 Nov 2014 | 6:25 am
    Working the cash register at my hometown grocery store, an extremely grumpy customer yelled at me to the point of tears. I was 16 and unaccustomed to verbal attacks. I was so embarrassed about letting it upset me. When the store manager pulled me aside, I thought I was in trouble for screwing up. Instead he surprised me by telling me it was OK, that everyone makes mistakes and no one deserves to be treated the way that grouch treated me. He reassured me that my feelings were important. It made me feel valued as an employee, and like an important part of the team, even though I was young.
  • You’re on stage, what’s the worst thing that could happen?

    Denise Bahs
    12 Nov 2014 | 6:05 am
    My heart was pounding, and my stomach turned upside down. I had been listening to the speaker who went on before me at a business conference. I  sat through an agonizing hour listening to a dry topic while trying to keep my nerves under control. Why? A fear of public speaking. I made it through that experience and many like it. Here are a few strategies that I use to not only face that fear, but to accept it (when you accept fear, you take it’s power away). Visualization: In the weeks and days before your speech, visualize walking up to the podium, on the stage, or in the boardroom. In…
 
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    Mountain Money by MACU

  • 8 Pillars Contest

    Mountain America
    1 Dec 2014 | 12:55 pm
    Since September, three Mountain America members have joined forces with Mountain America and 8 Pillars to create a better financial future. In addition to taking the 8 Pillars course, these individuals have met regularly with an 8 Pillars advisor and started making great strides towards their financial dreams. As a part of the challenge, they were tasked with increasing their savings account balance, decreasing loan balances and increasing their credit score. They have shared their stories, and now it’s time for everyone to weigh in. Visit the Mountain America Facebook page, watch the…
  • Mountain America Presents a Kurt Bestor Christmas

    Mountain America
    26 Nov 2014 | 2:20 pm
    The holiday season is fast approaching and Mountain America would like to share a special discount with members and friends. Emmy award-winning composer, Kurt Bestor, is back in Salt Lake City for his 27th annual Christmas concert. This year he will be joined by the incredible One Voice Children’s Choir, who you may know as finalists from Americas Got Talent or from their viral YouTube hit, “Let it Go” featuring Alex Boye. Concert Discounts: Member Appreciation Discount: Receive a 10% discount on any amount of tickets using promo code MAVIP. Mountain America Family Package: Purchase…
  • Finding the Right Auto Loan

    Mountain America
    18 Nov 2014 | 11:42 am
    An auto loan is likely to be one of your biggest financial obligations, so it is crucial to make sure you’re getting an affordable deal. Fortunately, there are a number of strategies buyers can use to get the best pricing. New vs. Used When buying a vehicle, consider whether new or used is right for you. Each has advantages and disadvantage that could affect the cost in the long run. For example, a new car generally costs more, but it likely will come with a comprehensive manufacturer’s warranty, which covers most parts of the vehicle. On the other hand, a used car generally is going…
  • Protect Your Sensitive Information

    Mountain America
    13 Nov 2014 | 11:41 am
    In recent years, numerous retailers have experienced security and data breaches, exposing consumers’ sensitive personal information to hackers and identity thieves. This is why it is more important than ever to take action to protect your information. Take the following steps to safeguard your financial accounts and personal information: Add text or email alerts to your account. Some financial institutions, like Mountain America, provide free account alerts. With these services, you can receive text or email alerts, notifying you of account activity. For example, Mountain America’s Alerts…
  • How to Fully Protect a New Car

    Mountain America
    6 Nov 2014 | 4:07 pm
    Your car is an important asset. After a house or real estate, it is the second biggest purchase for the average American. It is crucial that you protect it. You likely already have some protection for your vehicle, in the form of liability, collision or comprehensive auto insurance (see our Auto Insurance article). However, there are a number of other insurance options that could provide additional coverage. Read on to determine if you and your dream car have complete protection. Payment Protection Insurance The first policy a car buyer should consider is payment protection, which comes in…
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    Bankrate.com » Banking

  • Ransomware holds PC hostage

    Claes Bell
    18 Dec 2014 | 10:10 am
    Ransomware does exactly what it sounds like it does. It: holds your computer and the data on it hostage until you pay up.
  • A credit union for the cannabis industry

    David McMillin
    15 Dec 2014 | 2:30 pm
    A new credit union in Colorado is aiming to give marijuana business owners access to traditional banking services.
  • 3 ways mobile deposits can burn you

    Claes Bell
    10 Dec 2014 | 11:17 am
    Depositing checks on a mobile device can be convenient, but consumers should be aware of these issues.
  • US sues Deutsche Bank for $190M

    David McMillin
    9 Dec 2014 | 12:36 pm
    A major banking institution is under fire for a scheme to elude paying taxes to the IRS. Find out why Deutsche Bank owes the US government more than $190 million.
  • Big banks’ fines hit $178 billion

    Claes Bell
    3 Dec 2014 | 11:00 am
    Since the financial crisis, banks have paid out more in fines and settlements than it cost to put a man on the moon.
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    Banking Sense

  • 5 Money Saving Tips For Your Business

    Natalie Cooper
    18 Dec 2014 | 10:00 am
    Many businesses can save hundreds and even thousands of dollars a year by modifying a few behaviors at their company. This money may be used to expand a business, for advertising and marketing strategies or to simply boost a company’s bottom line. Many companies even find that they can increase their profits exponentially by investing the money saved from their modifications in corporate behavior. Read on to find out five money saving tips for a business. 1. Reduce Energy Costs Energy often makes up a large part of the costs of running a business; however, many companies don’t…
  • High Paying No Experience Jobs: Where To Look

    Natalie Cooper
    18 Dec 2014 | 6:00 am
    Good Jobs, No Experience Required If you don’t have a college degree, you’ll never get a decent job. We’ve all heard that, right? Well, that’s not necessarily the case, according to Rosemary Haefner, vice president of human resources for CareerBuilder. “It is a myth that . . . good jobs go to college graduates and that workers with high school degrees are destined to low-wage careers,” she says. However, she adds that applicants should be prepared for on-the-job training that’s required for about 70 percent of these jobs. Among the jobs that require little or…
  • TrueCar Review: Can They Help You Save Money?

    Natalie Cooper
    17 Dec 2014 | 3:30 pm
    TrueCar is a business that is supposedly dedicated to bring transparency to the entire car buying process. It even states on its website that its customers will “never overpay.” With a great deal of advertising, the car buying service has managed to come to the attention of the mainstream. But can the TrueCar website really help you save money when you purchase a new vehicle? In this article, we will take a look at some of the features of the TrueCar website and give you the information you need to make an informed decision about whether this website and service is right for you.
  • How To Increase Your Credit Score

    Natalie Cooper
    17 Dec 2014 | 1:00 pm
    One of the most important numbers we all have is a credit score. If it is high, banks and finance companies give us lower rates on loans. If it is low, we may be refused loans. If your credit score is poor because of lack of experience in handling money, or because you lost a job, even if you were just not as careful handling credit as you should have been, you can repair it. If you follow the seven steps below, you can fix bad credit, though it may take some time. Know What your Score Is. Before you can fix the problem, you have to know what needs fixed. You should get a copy of your credit…
  • Menards Credit Card Review: A Look At The Rewards

    Natalie Cooper
    17 Dec 2014 | 10:00 am
    There are some amazing rewards to using a Menards credit card. Users get $10.00 cash back after they have made their first $100 worth of purchases on the card — a beneficial feature for those who choose to use the card for travel or gasoline purchases. There are no limits on the amount of money which can be made off of the rewards program. It is an annual program which gives users between 1% and 2% cash back on their purchases course of an entire year. There are also benefits for individuals who shop at certain stores such as Speedway, Holiday, Kwik Trip Stores and Kwik Star Stores. The…
 
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