Banking

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  • A Checkless Checking Account Could Save You Money, Simplify Your Life

    CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Savings Accounts
    Susan Ladika
    22 Oct 2014 | 10:00 am
    If you’re one of those people who never carries a checkbook and hates writing checks, a checkless checking account could help you cut down on paper and fees.
  • The Miserable State of Cash Management Vendors

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

    NetBanker
    Jim Bruene
    14 Oct 2014 | 7:42 pm
    If all goes well, some time within the next week Apple Pay will be up and running. Short-term it won't cause a ripple in market share or consumer behavior (see previous post), but long-term it is likely to be seen as an important mobile-payments milestone. Regardless, I look forward to using it. But with only a couple contactless terminals in my usual Seattle haunts, I guess I'll be buying lots of coffee at Peet's and Tully's while I test it. But I digress. The subject for today is what banks are and aren't doing to ride on Apple's mobile coattails. There has been little FI marketing so far,…
  • COMMUNITY BANKING IN THE 21ST CENTURY: THE REALITY

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

    NYT > Banking Industry
    22 Oct 2014 | 9:00 pm
    The return of many of those who experienced foreclosures or short sales in the economic downturn could influence the housing market.
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    Gonzobanker.com

  • The Miserable State of Cash Management Vendors

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

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

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

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

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

  • 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…
  • FinovateFall 2014 -- Less than 50 tickets left! Don't miss out!

    Eric Mattson
    16 Sep 2014 | 7:28 pm
    FinovateFall 2014 is next week and it's official that the event will be the largest Finovate to date! Over 1,300 tickets have already been sold and we have less than 50 remaining! If you're interested in attending to see the future of fintech debut live on stage via our fast-paced demo-only format, please get your ticket as soon as possible to lock in your seat. As usual, the auditorium is going to be packed a potent blend of innovative bank execs, fintech entrepreneurs, venture capitalists, press, and industry analysts. In case you're curious, below is a small sample of the great…
 
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    Payments News - from Glenbrook Partners

  • Headline News from PaymentsNews.com - October 22, 2014

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

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

    Payments News Editor
    20 Oct 2014 | 8:00 am
    On the Web: Apple Store app updated with Apple Pay support - iMore.com - "You can use Apple Pay both when ordering online, as well as when checking out at an Apple Store with EasyPay." OpenTable adds Apple Pay support for iPhone in three US cities - iMore.com - "OpenTable, the popular restauant reservation service, has updated its iPhone app that adds Apple Pay support..." Bank of England payment system crashes - Guardian - The Bank of England said it had “identified a technical issue related to some routine maintenance of the RTGS payment system and has paused settlement while we…
  • Headline News from PaymentsNews.com - October 17, 2014

    Payments News Editor
    17 Oct 2014 | 7:59 am
    On the Web: Do You Have Another Credit Card, Mr. President? - New York Times - “My credit card was rejected,” Mr. Obama said at the Consumer Financial Protection Bureau, making small talk as he signed an executive order aimed at protecting Americans from identity theft and credit card fraud. MasterCard’s Apple Pay alternative: A card with NFC and a fingerprint sensor - "MasterCard has partnered with Zwipe, a company that develops fingerprint sensors, to create a credit card that includes both contactless payments and biometric security." Starbucks launching mobile ordering…
  • Apple Pay to Launch Next Monday, October 20

    Payments News Editor
    16 Oct 2014 | 10:10 am
    In a keynote this morning, Apple CEO Tim Cook announced that the roll out of Apple Pay in the US will begin next Monday. He also announced participation from an additional 500 banks in the US who will be supporting Apple Pay over the next few months. Apple is also introducing iOS 8.1, a software update for the iPhone 6 and 6 Plus which adds support for Apple Pay. iOS 8.1 will be available as a free update on Monday. Apple has also introduced a new iPad Air 2 which includes Touch ID to enable more convenient unlocking along with online purchasing within apps using Apple Pay.
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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

  • Legal and Public Notices - October 24, 2014

    South Florida Business Journal Legal Notices
    22 Oct 2014 | 4:34 pm
    IN THE CIRCUIT COURT IN AND FOR THE 17TH JUDICIAL CIRCUIT IN AND FOR BROWARD COUNTY, FLORIDA In re: ASSIGNMENT FOR THE BENEFIT OF CREDITORS OF CIVIL DIVISION STUDIO IMPORTS, LTD., INC., a Florida corporation, CASE NO. 14-018491-CACE-14 Assignor, NOTICE OF ASSIGNMENT to: MICHAEL PHELAN, Assignee. / TO: CREDITORS AND OTHER INTERESTED PARTIES: PLEASE TAKE NOTICE that on September 23, 2014, a petition commencing an assignment for the benefit of creditors pursuant to Chapter 727, Florida…
  • Taj Mahal casino to stay open through November

    Jared Shelly
    22 Oct 2014 | 3:59 pm
    On the heels of a judge voiding its union contract, Trump Entertainment has decided to keep the casino open throughout November — meaning 3,100 people will keep their jobs, at least for now. Here's more from the Associated Press who broke the story: "As of now we don't have any plan to close the Taj, but that could change next month," Robert Griffin, CEO of Trump Entertainment, told The Associated Press. "We still need our plan to be approved, and we need assistance from the state with no assurance…
  • Two people dead at Ben Taub Hospital

    Joe Martin
    22 Oct 2014 | 3:04 pm
    Two people are dead in an apparent murder-suicide at Ben Taub General Hospital in the Texas Medical Center, according to the Houston Chronicle. The shooting occurred at about 2:15 p.m. Oct. 22. The Chronicle reports that a man shot a woman and then shot himself. Both were pronounced dead shortly thereafter, reports the Chronicle. KHOU reports that the two victims may have been pharmacy employees but their roles have not been confirmed. There were customers in the area, as well as other employees,…
  • With $1.5M round, Better Beans gets better bucks

    Wendy Culverwell
    22 Oct 2014 | 2:52 pm
    The Portland company that brought beans to the refrigerated food aisle has closed a $1.5 million equity round as it moves to create a national consumer brand. Renewal Funds, a Vancouver, British Columbia, social impact fund, led the round, which included funding from the Seattle Impact Investment Fund. Keith Kullberg, who formed the company with his daughter Hannah in 2009 to get beans out of cans and onto dinner plates, said the funds will help the company keep adding outlets. It currently employs…
  • Wells Fargo's grim retirement planning reality: some want to 'die early'

    Mark Calvey
    22 Oct 2014 | 2:46 pm
    Wells Fargo's latest progress report on Americans saving for retirement paints a grim picture. The bank found that people over 50 have actually salted away less for retirement than their younger cohorts. A new survey question revealed that 22 percent of middle-class respondents said they would rather "die early" than not have enough money for a comfortable retirement, according to the fifth annual Wells Fargo Middle Class Retirement study. The median amount of retirement savings in 401(k) plans,…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Legal and Public Notices - October 24, 2014

    South Florida Business Journal Legal Notices
    22 Oct 2014 | 4:34 pm
    IN THE CIRCUIT COURT IN AND FOR THE 17TH JUDICIAL CIRCUIT IN AND FOR BROWARD COUNTY, FLORIDA In re: ASSIGNMENT FOR THE BENEFIT OF CREDITORS OF CIVIL DIVISION STUDIO IMPORTS, LTD., INC., a Florida corporation, CASE NO. 14-018491-CACE-14 Assignor, NOTICE OF ASSIGNMENT to: MICHAEL PHELAN, Assignee. / TO: CREDITORS AND OTHER INTERESTED PARTIES: PLEASE TAKE NOTICE that on September 23, 2014, a petition commencing an assignment for the benefit of creditors pursuant to Chapter 727, Florida…
  • Taj Mahal casino to stay open through November

    Jared Shelly
    22 Oct 2014 | 3:59 pm
    On the heels of a judge voiding its union contract, Trump Entertainment has decided to keep the casino open throughout November — meaning 3,100 people will keep their jobs, at least for now. Here's more from the Associated Press who broke the story: "As of now we don't have any plan to close the Taj, but that could change next month," Robert Griffin, CEO of Trump Entertainment, told The Associated Press. "We still need our plan to be approved, and we need assistance from the state with no assurance…
  • Two people dead at Ben Taub Hospital

    Joe Martin
    22 Oct 2014 | 3:04 pm
    Two people are dead in an apparent murder-suicide at Ben Taub General Hospital in the Texas Medical Center, according to the Houston Chronicle. The shooting occurred at about 2:15 p.m. Oct. 22. The Chronicle reports that a man shot a woman and then shot himself. Both were pronounced dead shortly thereafter, reports the Chronicle. KHOU reports that the two victims may have been pharmacy employees but their roles have not been confirmed. There were customers in the area, as well as other employees,…
  • With $1.5M round, Better Beans gets better bucks

    Wendy Culverwell
    22 Oct 2014 | 2:52 pm
    The Portland company that brought beans to the refrigerated food aisle has closed a $1.5 million equity round as it moves to create a national consumer brand. Renewal Funds, a Vancouver, British Columbia, social impact fund, led the round, which included funding from the Seattle Impact Investment Fund. Keith Kullberg, who formed the company with his daughter Hannah in 2009 to get beans out of cans and onto dinner plates, said the funds will help the company keep adding outlets. It currently employs…
  • Wells Fargo's grim retirement planning reality: some want to 'die early'

    Mark Calvey
    22 Oct 2014 | 2:46 pm
    Wells Fargo's latest progress report on Americans saving for retirement paints a grim picture. The bank found that people over 50 have actually salted away less for retirement than their younger cohorts. A new survey question revealed that 22 percent of middle-class respondents said they would rather "die early" than not have enough money for a comfortable retirement, according to the fifth annual Wells Fargo Middle Class Retirement study. The median amount of retirement savings in 401(k) plans,…
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    Bank Lawyer's Blog

  • The FDIC's Left Hand Slaps Its Right Hand

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

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

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

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

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

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
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  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
 
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  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
 
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
 
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
 
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
  • add this feed to my.Alltop

  • Man makes bizarre offer after breakup

    22 Oct 2014 | 5:41 pm
    Man makes bizarre offer after breakupFacebook/Jake DodridgeAfter Jake got dumped, he turned to eBay to make an unusual sale -- and people actually took him up on it before the post was removed.Bidding reached a shocking $160KMore to seeCeleb phobias will shock youPolice station mistaken for a bar
  • 'Mystery woman' in star's crash speaks

    22 Oct 2014 | 5:41 pm
    'Mystery woman' in star's crash speaks Hulton Archive via Getty ImagesIn 1982, Teddy Pendergrass was paralyzed after an accident. His passenger kept quiet -- until now.Truth about what happened 30 years ago More to see Macy Gray's confession 'Wild' author on facing fear
  • 'She saved my life in more ways than one'

    22 Oct 2014 | 5:41 pm
    'She saved my life in more ways than one'OprahStudents credit Tawanda Jones or 'Miss Wawa' for keeping them alive and out of jail in the city with the highest crime rate in America. Special honor she receivedMore inspiring storiesFrom homeless to helperRevitalizing Detroit
  • Lucky girl survives jaw-dropping explosion

    22 Oct 2014 | 5:41 pm
    Lucky girl survives jaw-dropping explosion Yes, that is a wall of glass that looks like it's baout to crash on her.8 seconds you have to see More to seeWoman 'haunted' by closet findGirl, 11, catches burglar
  • Teacher fired for role in racy films

    22 Oct 2014 | 5:41 pm
    Teacher fired for role in racy filmsYouTube 73-year-old drama teacher Jacqueline Laurent-Auger was recently fired after students dug up films she starred in more than 40 years ago. Titles that upset the Christian schoolMore in Finance Top companies hiring managers5 interview questions to expect
 
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    MyBankTracker.com

  • Avoid the 10 Worst Investments Ever With These Smarter Alternatives

    Peter Bennett
    22 Oct 2014 | 1:17 pm
    With Halloween quickly approaching, MyBankTracker has compiled a haunting, nightmarish list of the worst investments you could ever make. It’s a graveyard of horrors ready to suck the life right out of your money. But don’t let it spook you too much, because we also offer some investment alternatives to offset this spine-tingling list of horrors. Flickr |…
  • Paying Off Student Loans vs. Investing Poses Dilemma for Recent Grads

    Rebecca Lake
    22 Oct 2014 | 6:58 am
    Between crippling student loan debt and slim prospects on the job front, today’s college grads often struggle to fit things like saving and investing into the mix. When you’ve got a decade or more’s worth of loan payments hanging over your head, figuring out the best way to allocate your hard-earned dollars is challenging to say the least. Flickr |…
  • 10 Tips for ‘Getting’ Your Financial Act Together Before Turning 30

    Peter Bennett
    21 Oct 2014 | 1:30 pm
    Turning 30 is more than a number, it’s a state of mind, telling you to finally get your financial act together. Indeed, personal finance for your 30s adds a new sense of urgency to your fiscal mission that you might not have felt in your carefree 20s, when paying your bar tab or funding a three-day bender to Cabo or St. Lucia were the biggest financial concerns in your life. To help you prepare and take care of what needs to be done, here are 10 “gets” to accomplish… before your 30s, like your 20s, become a distant memory. Here’s to more gets and fewer regrets! Flickr |…
  • Income-Based Student Loan Repayment May Leave You Deeper In Debt

    Rebecca Lake
    21 Oct 2014 | 9:00 am
    Unless you spend most of your time with your head stuck in the sand, you probably know all about how bad the student loan crisis has gotten. Grads are paying more than ever for a college education and they’re leaving school weighed down by thousands of dollars in debt. Flickr |…
  • 5 Big Action Steps to Help You Save on Health Insurance In 2015

    Peter Bennett
    21 Oct 2014 | 2:00 am
    If you try to save on health insurance wherever you can, you’ll have more money leftover for other more fun purchases, and you’ll also be doing your patriotic part to help the nation keep its health care costs down, which are expected to reach $3.06 trillion in 2014, according to the Centers for Medicare & Medicaid Services. Flickr |…
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    Payments Views from Glenbrook Partners

  • PoF 9 – Realtime Authorization and Messaging

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

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

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

    Jay DeWitt
    9 Oct 2014 | 1:00 am
    First There is a Mountain, Then There is No Mountain, Then There is… I’ve been thinking about what the future of the point of sale environment will look like from a consumer perspective. Of course, 10 years ago, we all knew what it was going to look like: consumers tapping their mobile phones to Near Field Communication (NFC) equipped POS terminals, transferring card data that looked a lot like magnetic stripe data. The card issuers loved the vision, the card networks loved it too, and the phone providers (who owned the space on the phone) were dreamy-eyed just thinking about all the…
  • PoF 7 – Biometrics, Apple Pay, and Privacy: a Talk with Steve Wilson

    George Peabody
    6 Oct 2014 | 5:32 am
    Apple Pay’s announcement has brought attention to biometrics and their role in payments security and to the broader, if amorphous, concept of online identity. Steve Wilson of Constellation Research and Glenbrook’s George Peabody discuss local and cloud-based biometrics, identity attributes, and the vexing challenges of privacy.
 
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    Optirate.com

  • 10 Management Principles of SuperCommunity Banking

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

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

    Serge Milman
    12 May 2014 | 6:45 am
    Does product or service usage imply value? for the customer? for the service provider? Unfortunately, for Banks and Credit Unions the answer is NO! Read more at http://www.Optirate.com
  • Branding ROI – What Is It? How To Measure It?

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

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

  • 21 Day Challenge Changed My Life

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

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

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

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

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

  • Local Service. Global Good.

    Mountain America
    16 Oct 2014 | 9:40 am
  • Halloween Offers

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

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

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

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

  • Obama signs order to fight card fraud

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

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

    Claes Bell
    17 Oct 2014 | 3:00 pm
    The next debit card you get will probably have a little golden chip in it, and that's a good thing.
  • Do millennials prefer small banks?

    David McMillin
    16 Oct 2014 | 3:30 pm
    A new survey reveals some surprising findings about millennials and their banking preferences. Should big banks be worried?
  • BofA beefs up debit card security

    David McMillin
    16 Oct 2014 | 8:15 am
    As data breaches continue to make headlines, Bank of America is enhancing the encryption capabilities on debit card transactions.
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    Banking Sense

  • MetLife Retirement Plans: How The 403B Plans Work

    Natalie Cooper
    22 Oct 2014 | 3:30 pm
    In today’s economy, it’s difficult to save for retirement, but 403(b) plans like those available from MetLife can help you save the money you need to live comfortably after you cease working. You need to know what it takes to become eligible for retirement. Here are a few ways that Americans can live longer and still have the funds to take care of it: Who is Eligible for the 403(b) Plan? Employees of tax-exempt groups are eligible for 403(b) plans. These groups include hospitals, libraries, social service agencies, colleges, and universities. Many different types of groups are…
  • Old National Bank Review | A Look At Their Banking Services

    Natalie Cooper
    22 Oct 2014 | 1:00 pm
    When Old National Bank unlocked its first vault, the U.S. government was minting gold and silver “specie,” banks were issuing pocket-sized banknotes, and Texas had outlawed private banks in general. It was 1834, and Old National Bank was known as the “Branch Bank at Evansville,” a neoclassical brick building perched on the shores of the Ohio River in Evansville, Indiana. Fast forward 180 years. Old National Bank has deposits valued at $8.6 billion and almost 200 banking centers. After several mergers in recent years, Old National Bancorp has total assets of $11.2 billion and is ranked…
  • Loan Amortization Calculator: 4 Great Resources

    Natalie Cooper
    22 Oct 2014 | 10:00 am
    Loan amortization calculators are great tools that can be used to provide potential borrowers with information as to what they can expect when taking out a loan. The great thing about most of the loan amortization calculators is that they are online so consumers can get the information they need from the comfort of their home. It allows them to walk into a lender’s office armed with most of the facts they need to make a decision. Here are four very informative and helpful resources for loan amortization calculators: Zillow Zillow, an online real estate marketplace, has a very handy loan…
  • Old Navy Credit Card Review: A Look at the Pros and Cons

    Natalie Cooper
    22 Oct 2014 | 6:00 am
    Old Navy offers affordable clothing for men, women, kids and even pets. While you might love the idea of purchasing new clothing that you can wear today and pay for later, you should consider the pros and cons before you fill out an application. New Rewards System With the new rewards system implemented by Old Navy, you can now earn rewards for purchases you make in-store and online. Every time that you spend $100, the credit card gives you a $5 gift card that you can use at any Old Navy store. If you have the Old Navy Visa card rather than the traditional store card, you’ll also earn…
  • Nationwide Insurance Review: The Products They Offer

    Natalie Cooper
    21 Oct 2014 | 3:30 pm
    Nationwide Insurance promotes itself as the discount insurer. While the discount usually comes from bundling several policies together, some of the company’s specialty policies are worth taking a closer look. Life Nationwide offers traditional life insurance, including Term, Universal, Whole and Variable policies. For customers new to life insurance, the company offers a handy comparison chart that lists the different aspects of the “big four” types of Life Insurance. Homeowners The company’s homeowners policies cover both homeowners and renters, and like most major…
 
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