Banking

  • Most Topular Stories

  • Despite Digital Banking Growth, Traditional Channels Reign

    The Financial Brand
    Jim Marous
    23 Nov 2014 | 9:03 pm
    Despite tremendous growth, online and mobile banking is unlikely to displace traditional retail banking anytime soon.
  • Mapa Research report: Digital banking security

    Mapa Research
    alexander@maparesearch.com
    28 Oct 2014 | 2:01 am
  • MasterCard qualifies Barnes and FIME’s joint EMV card personalization test tool

    BBR - News
    25 Nov 2014 | 1:29 am
    EMV chip testing providers, Barnes International and FIME, have announced that their latest jointly developed card personalization validation (CPV) test tool has been qualified by MasterCard.
  • Gonzo Goes to BAI Retail Delivery 2014: Sweet Home Chicago?

    Gonzobanker.com
    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…
  • Wells Fargo Is the First Big Bank Simple Enough to Fail

    NYT > Banking Industry
    26 Nov 2014 | 11:31 am
    Wells Fargo has secured a conditional stamp of approval from regulators for its living will. The problems for other giant banks are complexity and interconnectedness, writes Daniel Indiviglio of Reuters Breakingviews.
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    Gonzobanker.com

  • 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…
  • 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.
 
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    NetBanker

  • Tuesday Tricks: Capital One Uses Calendar Integration in Black Friday Promotion

    Jim Bruene
    24 Nov 2014 | 5:03 pm
    Capital One 360 continues the tradition of Black Friday banking promotions used by its predecessor ING Direct (previous posts). The direct bank unit of Capital One sent its first promotional tease this afternoon. It simply said to watch the site for specials beginning after midnight (Eastern Time) Thanksgiving night. The bank has been using a similar direct marketing technique for years. But this year, I noticed one small improvement. The bank makes it easy for readers to load a reminder to their calendar with a single click (supports Gmail, Outlook, Yahoo, iCal). Bottom line: Calendar…
  • 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 - November 26, 2014

    Payments News Editor
    26 Nov 2014 | 5:53 am
    Happy Thanksgiving! To our friends and readers in the United States, best wishes for a wonderful Thanksgiving celebration with your family and friends! We'll be back at the news desk on Monday, December 1st. On the Web: Discover Sues Visa Over Debit-Card Practices - Wall St. Journal - "Discover is challenging a Visa rule that requires financial issuers of Visa signature debit cards to also include Visa’s PIN services instead of allowing other PIN networks like Pulse to compete for that business." On the Wires: American Red Cross To Accept Bitcoin Donations Through BitPay - “The…
  • Headline News from PaymentsNews.com - November 25, 2014

    Payments News Editor
    25 Nov 2014 | 6:14 am
    On the Web: Wake Up, Brick-and-Mortar Retailers - Wall St. Journal - "If you were running a brick- and-mortar retailer and knew that 25 years from now a third of your sales would be online, you would run your business differently." Introducing Twitter Offers - Twitter Advertising Blog - "Starting today (in the U.S. only), we’re beginning to test a new way for advertisers to connect with consumers on Twitter and convert them to loyal customers in their stores, on their websites and in their apps. This feature, Twitter Offers, enables advertisers to create card-linked promotions and share…
  • Headline News from PaymentsNews.com - November 24, 2014

    Payments News Editor
    24 Nov 2014 | 5:19 am
    On Twitter: E-commerce retail sales totaled $78.1 billion in Q3, an increase of 4 percent from Q2 http://t.co/OOC7A7VwKD pic.twitter.com/u5zNvYkGHM— St. Louis Fed (@stlouisfed) November 24, 2014 On the Web: Chase Debuts First Spot Featuring Apple Pay - Ad Age - "We've been working with Apple for a long time -- over a year -- on this partnership," said Chase Chief Brand Officer Susan Canavari. "We thought about their values as well as ours, and we both focus on our customers." Square will soon accept Apple Pay - CNN Money - "Square founder Jack Dorsey -- who also famously launched…
  • Headline News from PaymentsNews.com - November 21, 2014

    Payments News Editor
    21 Nov 2014 | 6:17 am
    On the Web: Add Your Chase Visa Card to Apple Pay for a Complementary Album - Chase - "With Chase and Apple PayTM, your phone and wallet are now one. Set up your eligible Chase Visa card to enjoy more convenient checkouts and, for a limited time, a complimentary album pre-release of Listen by David Guetta on iTunes." Why retailers are wrong on Apple Pay - CNBC Commentary - "There's a war going on for your wallet. Around the world, the credit and debit cards we use every day are under threat from a combination of regulators and aggrieved merchants." Fed Launches Review of Practices for…
  • Headline News from PaymentsNews.com - November 20, 2014

    Payments News Editor
    20 Nov 2014 | 7:17 am
    On the Web: Square Register App Now Available Worldwide - Square Blog - "Our free point-of-sale app, Square Register, is now available worldwide." Why banks fear Bitcoin - Fortune - "In the case of Bitcoin, what is being enabled here is not merely a new market, but a market of markets; a platform for all kinds of new markets to emerge. In it, lies the promise of a transformation, as strange as it sounds, greater than the Internet." Apple Is Coming To The Aid Of Small Retailers - TechCrunch - "With Apple Pay, the biggest hurdle – getting the customer to enter their card details into the…
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    The Bankwatch

  • Echo chamber classic

    Colin Henderson
    21 Nov 2014 | 12:39 am
    This is probably a screw up but its funny given the tenure of those involved. First Scoble has this post and mentions Openstack. That link was interesting so I clicked and got this link. I arrived at the Gigaom site and clicked the lead story. (This experience might change as they add stories, but this is too much fun to ignore.) There I clicked the lead story “Why eHarmony is rebuilding itself atop Hadoop and (probably) OpenStack”. That link took me back to Scobles story. Round and round we go! It is a classic circular reference. I love it that experienced guys can still totally…
  • Payments – whats going on?

    Colin Henderson
    11 Nov 2014 | 9:19 pm
    The world of payments is going crazy. Payments is supposed to be about SWIFT and land in SIBOS annually. Darn. The usual suspects at SIBOS Boston in October past must be suffering from brain exploding thoughts about Singapore next year. But seriously payments ain’t what they used to be. Apple Pay certainly drove payments front and centre, but Stripe have been quietly making significant moves the in the background. Here are just three stories tonight from the interwebs. Payments have been a story for a while but finally they are showing as consequential change, and banks are not in the…
  • Foreign Policy Debate – Munk Debates in Toronto

    Colin Henderson
    5 Nov 2014 | 9:20 pm
    Interesting debate tonight, and just fun to see well known and respected Americans in the Foreign Policy arena. Aside from the topic of whether Barack Obama is positive or negative on foreign policy, standouts for me were Bret Stevens and Anne Marie Slaughter. http://munkdebates.com Filed under: Uncategorized
  • Music artists fight back

    Colin Henderson
    5 Nov 2014 | 3:33 pm
    Since internet got going it has become a relative given for many that music is free and notwithstanding the impact on artists, great lengths have been taken to subvert old style copyrights. I take no position here on that and its well documented on the fate of music producers, shifts to artist revenue from live appearances, as well as the increasingly technical means to share music yet apparently avoid detection. There is another shift occurring now, with likes of Beyonce, and now Taylor Swift levering their powerful ‘direct to fans’ social media standing’ and using that to…
  • Perfect buying experience .. again at Apple Store

    Colin Henderson
    5 Nov 2014 | 2:39 pm
    I may have mentioned this before, but its just so smooth and efficient, its worth repeating. I was on my way to an event and wanted to pick up a leather case for my new iPhone. So I stopped by the Apple Store, and this was the process: Walked to back of store and picked up case from the wall display Opened Apple Store app,and scanned bar code Entered password and Credit Card CVC code Walked out with my new case Elapsed time, less than a minute. I believe walking the length of the store was the longest part. Filed under: Uncategorized
 
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    Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com

  • Banco Santander's executive chairwoman Ana Botin makes her mark — starting with a shuffle at the top

    Caroline McMillan Portillo
    26 Nov 2014 | 2:57 pm
    Ana Botín has made this much clear: She's not afraid to step out of her father's shadow, even with the world watching. The first woman to head a major European lender, Botín, 54, took the helm of Banco Santander, in early September after her father and the Spanish bank's global executive chairman, Emilio, died of a heart attack. It's a very public, high-stakes version of what family-run businesses struggle with all the time: succession and the inevitable transition afterward. But for Ana Botín,…
  • For sale: Former San Jose Redevelopment Agency properties

    Nathan Donato-Weinstein
    26 Nov 2014 | 2:52 pm
    After more than a year of getting its regulatory ducks in a row, the city of San Jose has teed up more than a dozen properties to offer for sale to the private market. And it's starting with the most attractive asset: a roughly 1.4-acre development site directly across from City Hall. The properties are being rolled out in groups over every quarter until June 2016 starting in January, said Richard Keit, managing director for San Jose's Successor Agency to the Redevelopment Agency. The sell-off…
  • Arizona, Phoenix rank among slowest housing markets

    Mike Sunnucks
    26 Nov 2014 | 1:50 pm
    Arizona and the Phoenix metro region both rank among the slowest housing markets in the U.S., according to a new report from Freddie Mac (FMCC). The monthly report came out today and looks at September housing, mortgage and employment data. Arizona ranks 45th among U.S. states and the District of Columbia, Phoenix ranks 39th among the largest 50 U.S. markets. Employment indicators both statewide and around Phoenix are lagging the national job market. Two-thirds of Phoenix borrowers and 69 percent…
  • Colorado banks report slight uptick in Q3 profits

    Heather Draper
    26 Nov 2014 | 1:38 pm
    Colorado banks' third-quarter profits rose slightly from a year ago, to $379 million from $374 million, according to federal figures released Tuesday. As of Sept. 30, the state's 97 federally insured banks also employed fewer workers than they did at the end of the third quarter of 2013 — down 2 percent to 9,188 employees from 9,386 employees. the Federal Deposit Insurance Corp. said in its quarterly bank performance report. Colorado banks' total assets rose to $47.2 billion in the third quarter…
  • Duly Noted: Emanuel is a coal-tale teller, say some; a different kind of one card (Video)

    26 Nov 2014 | 1:18 pm
    Critics say Mayor Rahm Emanuel may be taking too much credit in shutting down coal plants in new ads touting him for re-election. Some say they were already fighting for closures years before he took office. -- Chicagoist Stratos created a card that will replace all of the credit and debit cards in your wallet. The company has been working on it for more than two years and will debut it in early 2015. -- Bloomberg video above The city's annual winter overnight parking ban will commence at 3 a.m.…
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    Investment Banking News - Investment Banking News Headlines | Bizjournals.com

  • Banco Santander's executive chairwoman Ana Botin makes her mark — starting with a shuffle at the top

    Caroline McMillan Portillo
    26 Nov 2014 | 2:57 pm
    Ana Botín has made this much clear: She's not afraid to step out of her father's shadow, even with the world watching. The first woman to head a major European lender, Botín, 54, took the helm of Banco Santander, in early September after her father and the Spanish bank's global executive chairman, Emilio, died of a heart attack. It's a very public, high-stakes version of what family-run businesses struggle with all the time: succession and the inevitable transition afterward. But for Ana Botín,…
  • For sale: Former San Jose Redevelopment Agency properties

    Nathan Donato-Weinstein
    26 Nov 2014 | 2:52 pm
    After more than a year of getting its regulatory ducks in a row, the city of San Jose has teed up more than a dozen properties to offer for sale to the private market. And it's starting with the most attractive asset: a roughly 1.4-acre development site directly across from City Hall. The properties are being rolled out in groups over every quarter until June 2016 starting in January, said Richard Keit, managing director for San Jose's Successor Agency to the Redevelopment Agency. The sell-off…
  • Arizona, Phoenix rank among slowest housing markets

    Mike Sunnucks
    26 Nov 2014 | 1:50 pm
    Arizona and the Phoenix metro region both rank among the slowest housing markets in the U.S., according to a new report from Freddie Mac (FMCC). The monthly report came out today and looks at September housing, mortgage and employment data. Arizona ranks 45th among U.S. states and the District of Columbia, Phoenix ranks 39th among the largest 50 U.S. markets. Employment indicators both statewide and around Phoenix are lagging the national job market. Two-thirds of Phoenix borrowers and 69 percent…
  • Colorado banks report slight uptick in Q3 profits

    Heather Draper
    26 Nov 2014 | 1:38 pm
    Colorado banks' third-quarter profits rose slightly from a year ago, to $379 million from $374 million, according to federal figures released Tuesday. As of Sept. 30, the state's 97 federally insured banks also employed fewer workers than they did at the end of the third quarter of 2013 — down 2 percent to 9,188 employees from 9,386 employees. the Federal Deposit Insurance Corp. said in its quarterly bank performance report. Colorado banks' total assets rose to $47.2 billion in the third quarter…
  • Duly Noted: Emanuel is a coal-tale teller, say some; a different kind of one card (Video)

    26 Nov 2014 | 1:18 pm
    Critics say Mayor Rahm Emanuel may be taking too much credit in shutting down coal plants in new ads touting him for re-election. Some say they were already fighting for closures years before he took office. -- Chicagoist Stratos created a card that will replace all of the credit and debit cards in your wallet. The company has been working on it for more than two years and will debut it in early 2015. -- Bloomberg video above The city's annual winter overnight parking ban will commence at 3 a.m.…
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    Bank Lawyer's Blog

  • Isaac: Time To Allow Small and Medium Bank M&A

    Kevin Funnell
    25 Nov 2014 | 7:58 pm
    Former FDIC Chairman William Isaac claims that it's long past time to cut small and medium size banks regulatory relief and to take away roadblocks to mergers and acquisitions for the same institutions. He and Professor Robert Kaplan also briefly observe that the federal regulators' war on check cashers and payday lenders is depriving the "unbanked" of "bank-like" services. As is often the case with Bill's views, there are no objections from this peanut gallery. Ya'll have a Happy Bird Day.
  • State Nullification: Inhale Deeply

    Kevin Funnell
    23 Nov 2014 | 8:04 pm
    When we asked a couple of months ago whether the Cannabis Co-operative Credit Unions that have been authorized by Colorado law were "dead on arrival," we thought that the answer was "yes." Yet, there appears to be a beating heart and hopeful heart in this body, inasmuch as the State of Colorado recently granted the first such charter. There  are a couple of catches, however. First, the NCUA still has to grant deposit insurance, which may be a couple of years away (although Colorado law allows the co-op to open its doors as long as it has "applied" for NCUA…
  • Rant Me A River

    Kevin Funnell
    19 Nov 2014 | 7:51 pm
    When credit union consultant Marvin Umholtz gets worked up, it makes my blogging life a breeze. All I have to do is cut and paste. While a number of bankers would rather drink Drano rather than follow a newsletter dedicated to credit unions, I assure all of you bankers who bleed red rather than blue that you will love Marvin, especially when he goes after one of this blog's bête noire, the Adjustment Bureau, as he did in his latest email newsletter: This correspondent knew that the self-righteous and meddlesome Consumer Financial Protection Bureau’s (CFPB) www.consumerfinance.gov…
  • CFPB Shocked To Discover The Rules of Discovery

    Kevin Funnell
    16 Nov 2014 | 7:35 pm
    Thanks to Marvin Umholtz, I recently discovered the fact that the CFPB suffers from the same psychological ailment that struck the OCC a few years ago: "transparencyphobia." A federal judge forced the Consumer Financial Protection Bureau to obey the same rules of discovery in civil litigation that apply to everybody else even if government officials are annoyed by them. Judge John E. McDermott rejected a motion by CFPB. As a result, the bureau's officials were required to submit to depositions — cross-examinations of witnesses conducted under oath but outside the courtroom…
  • Ben Goes Private

    Kevin Funnell
    13 Nov 2014 | 11:58 am
    One of our favorite regulators, "Little Ben" Lawsky, has let word slip out that he's planning to leave his post as New York Banking Jeffe  next year to take a job in "the private sector." He won't reveal exactly what part of "the private sector" he intends to inflict himself upon. However, we've long been a fan of his broad base of experience in how businesses, especially banks, operate on a granular level. The Wall Street Journal linked above sums that "private sector" experience up nicely. Mr. Lawsky previously served as Gov. Cuomo’s…
 
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
  • add this feed to my.Alltop

  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
 
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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  • Streep narrowly escaped awful accident

    26 Nov 2014 | 10:37 pm
    Streep narrowly escaped awful accidentGettyMeryl, 65, was on set of her new movie when she had a terrifying experience she'll likely never forget.Dangerous close-call she barely avoidedTake a peekNew 'DWTS' champ is crowned Pine on working with Streep
  • Effective Ebola vaccine could be coming soon

    26 Nov 2014 | 10:37 pm
    Effective Ebola vaccine could be coming soonGetty Researchers reported an experimental immunization shot for the deadly disease was safe and showed signs of protection among healthy volunteers. Questions remain about dosageIn other newsEbola survivors speak outHealth benefits of eating turkey
  • Jolie confesses how her relationship has changed

    26 Nov 2014 | 10:37 pm
    Jolie confesses how her relationship has changed AP Angelina's secret wedding made her want to try a new task at home.Brad doesn't seem to buy it ...Take a lookAniston sports very strange braWill Smith supports Alfonso
  • Latest executive order ruffling some feathers

    26 Nov 2014 | 10:37 pm
    Latest executive order ruffling some feathersGettyThe president joked that he may have passed down the 'most talked about executive action' on Wednesday.Admittedly 'puzzling' action he tookMore on ThanksgivingTurkey Day deals to gobble up9 ways for a waste-free holiday
  • Ferguson sees calm after two nights of unrest

    26 Nov 2014 | 10:37 pm
    Ferguson sees calm after two nights of unrest APProtesters continued to hold scattered demonstrations as business owners and residents boarded up windows and cleared away debris.Thanksgiving hopes of the communityIn related newsMichael Brown's mother in disbeliefNational Guard controls violence
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    Capital Solutions Bancorp » Blog

  • Survive the Recession

    Rob Oskins
    19 Nov 2014 | 6:35 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

  • Is TD Bank Closing on More Holidays Than Usual?

    Simon Zhen
    26 Nov 2014 | 9:00 am
    Has “America’s Most Convenient Bank” become less convenient? TD Bank has long abided by their tagline by having the most consumer-friendly branch schedule. But, in the past year, the bank has opted to close on many U.S. holidays. In previous years, it was open on these days. Why is that changing? Northfoto / Shutterstock.com MyBankTracker makes a note of reminding our readers of holiday bank hours when a holiday is just around the corner. We’ve applauded TD Bank for being among the most customer-friendly when it comes to the holidays — they tend to be open when most other banks…
  • Everything 20-Somethings Need to Know About Credit With Our Credit Score Guide

    Peter Bennett
    26 Nov 2014 | 6:00 am
    When newspaper columnist Earl Wilson (1907-1987) wrote, “Modern man drives a mortgaged car over a bond-financed highway on credit card gas,” he was reminding us all that we live in a world that revolves around credit and, in particular, our credit score. In particular, if you’re 20-something, you’re probably still wondering how you received the credit score you got, not fully comprehending how just one late payment on the one credit card you own could have wreaked so much havoc with your score, kind of the same way your English lit professor back in college docked you a full…
  • EMV Chip Security Explained and Which Credit Cards Have It

    Simon Zhen
    26 Nov 2014 | 2:00 am
    We stand as witnesses to a major change in how we pay for things with our credit cards. It comes in the form of a small chip  called an EMV chip. The chip, which select consumers already have on their cards today, is designed to better protect your information whenever you use your card at a store. How does it work and where can you get an EMV-chip credit card? Let us fill you in. What does ‘EMV’ even stand for? EMV is short for Europay, MasterCard and Visa, the three global card companies that originally developed the new security standard for payment cards in 1995. It is widely…
  • Getting a Loan from Upstart vs. Your Bank: Which is Better for Young Borrowers?

    Rebecca Lake
    25 Nov 2014 | 9:00 am
    The latest generation of college grads often face an uphill battle once they’re out in the real world. Many of them are saddled with student loan debt while some are also struggling to keep up with the minimum payments on their credit cards. With the job market still wobbly, finding a way to pay all of it off can seem overwhelming. Flickr | https://www.flickr.com/photos/hackny/8049800812 Thanks to tighter lending restrictions, getting a loan from a bank or credit union isn’t exactly a piece of cake these days, especially for young adults who haven’t had time to establish a…
  • Thanksgiving Day: Are Banks Open?

    Simon Zhen
    25 Nov 2014 | 6:00 am
    Turkey day is just around the corner and you probably have better things to do than to run financial errands. In fact, you might not be able to get anything done that day. From government offices to private businesses to the stock market, many entities will be closed for Thanksgiving. After all, it is a federal holiday. So, will be banks be open? Chris / Flickr | http://www.flickr.com/photos/cedwardmoran/5236771462 Open or not: Chase, Bank of America and other big banks Typically, banks observe the holiday by shutting down branches. We’ve contacted each of the top 10 U.S. banks to confirm…
 
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    KIVA Blog

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

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

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

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

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

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

  • 29-State Deal: Top 15-Year Mortgage

    Mitch Strohm
    26 Nov 2014 | 4:00 am
    BestRateUSA is charging just 2.99%, with no points and no lender fees. That is more than a quarter point less than the current average cost of a 15-year mortgage.
  • Two Ways To Earn 2.1% In Massachusetts

    Darci Swisher
    25 Nov 2014 | 9:00 am
    We’ve never been huge fans of relationship rates, and with better CD deals popping up at community banks and credit unions this fall, we rarely cover them. But Pioneer Valley Federal Credit Union in western Massachusetts is paying 2.10% APY on 12-month CDs for members who also have an Investor Rewards Checking account. That’s certainly something to [...]
  • New Leader In 3-Year CDs Paying 1.7%

    Darci Swisher
    24 Nov 2014 | 12:00 pm
    iGObanking has raised its return on 36-month CDs to the second-highest rate we've seen this year. But how long will this deal last?
  • CD Special Cheers Pennsylvania Savers

    Darci Swisher
    23 Nov 2014 | 12:00 am
    First Priority Bank is paying customers across the Keystone State 1.55% APY on an 18-month CD.
  • Valley Of The Sun CD Is A Desert Deal

    Darci Swisher
    21 Nov 2014 | 9:00 am
    This 18-month CD special at Pinnacle Bank in Scottsdale pays 1.50% and is the only hot spot for savers that we’ve found in Arizona lately.
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    spark

  • 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…
  • Top 5 Regrets of the Dying – #4 got me!

    Denise Bahs
    6 Nov 2014 | 6:38 am
    Work all day, chase kids’ activities at night, take care of the house on the weekend and do it all over again the next week. Where is the time for me? Light bulb moment: you have to MAKE the time, or it won’t happen. You have to actually schedule it as an appointment on your calendar. It’s a choice. It doesn’t just happen. A couple of years ago, I read a story about a nurse who cared for dying patients and recorded their top 5 regrets in life. Number 4 on the list really resonated with me: “I wish I had stayed in touch with my friends.” This hit me like a…
  • LinkedIn gives you a powerful tool: Request your entire data archive.

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

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

  • 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…
  • 4 Tips for Techtober

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

  • Keep money safe during the holidays

    David McMillin
    25 Nov 2014 | 10:00 am
    Worried about the potential for losing your debit card or falling victim to a financial scam during the busy holiday shopping season? Find out how to stay safe.
  • Bankers aren’t inherently evil

    Claes Bell
    24 Nov 2014 | 3:00 pm
    Bank employees who worked in core business units, such as investment banking, private banking or trading, were more dishonest than those who played support roles such as human resources.
  • Consumers sour on bank fees

    David McMillin
    22 Nov 2014 | 4:00 am
    The latest report from the American Customer Satisfaction Index shows that banking customers are growing more frustrated with bank fees.
  • Green Dot endorses new prepaid rules

    David McMillin
    21 Nov 2014 | 8:00 am
    The CFPB has an unlikely supporter of its proposal for tighter prepaid card regulations -- Green Dot, the issuer of one of the most recognized prepaid cards in the country.
  • Wait times at bank branches worsen

    Claes Bell
    17 Nov 2014 | 7:45 am
    The average time spent waiting in a lobby rose from four minutes and 46 seconds to five minutes and eight seconds, an increase of 8 percent.
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    Banking Sense

  • JCPenney Credit Card Review: The Pros and Cons

    Natalie Cooper
    26 Nov 2014 | 3:30 pm
    If you’re a regular shopper at JCPenney, you’ve probably seen the JCPenney credit card being offered at the checkout line. But how do you know if it’s a good fit for you? Here are just a few pros and cons to consider. The Good: Points on Every Purchase With the JCPenney Card, you’ll earn one point for every $1 spent in both JCPenney stores and affiliate brands like Sephora. You’ll also enjoy a bonus $10 rewards certificate for every $100 spent in total, and there’s a sign-up bonus of 10-20 percent off depending on the merchandise type. These aren’t…
  • Unsecured Personal Loan: Where to Look For These Loans

    Natalie Cooper
    26 Nov 2014 | 1:00 pm
    If you need a loan to pay your taxes, repair your car or pay for school, you may wish to look for an unsecured personal loan. An unsecured personal loan is a general loan that is not secured with any type of collateral. While an unsecured loan may be easier to get, the interest rate may be higher. Where should you look for such a loan? Go to a Local Bank or Credit Union A local bank or credit union is the perfect place to find an unsecured loan in your part of the country. Local banks are often willing to take a chance on those of questionable credit as long as they have reason to believe…
  • First Progress Credit Card Review

    Natalie Cooper
    26 Nov 2014 | 10:00 am
    First Progress offers a starter or second-chance credit card that is tailored towards individuals with no or low credit. As such, it doesn’t have many of the features or benefits of a typical, or unsecured, credit card. At the same time, this might be the right card for you if you’re just looking for something basic and easy to obtain. Credit Limit Secured cards are like debit cards in some ways. They require you to fund the card directly before purchases are made, but most secured cards do have a strict maximum limit. The First Progress card has a minimum of $300 and an overall maximum…
  • Debt Ratio Formula: How To Calculate

    Natalie Cooper
    26 Nov 2014 | 6:00 am
    When determining your credit score, the credit bureaus look at a variety of factors. Your “debt ratio” measures the ratio between how much debt you have to how much credit you have available. According to MyFICO, the debt ratio counts for 30 percent of your entire credit score. Calculating your own debt ratio helps you to understand one of the major components of your score. Why Your Debt Ratio Matters Before offering you a credit card or installment loan — such as a car or home loan — a bank or other credit agency wants some assurance that you’re going to pay…
  • First Reliance Bank Review: The Services They Offer

    Natalie Cooper
    25 Nov 2014 | 3:30 pm
    First Reliance Bank was first established in 1999, in Florence, South Carolina by brothers Rick and Paul Saunders along with Dale Porter, a banker with two decades of experience. Together they shared a vision to build a bank with the community in mind. Today, First Reliance ranks in the top 20 banks in South Carolina and serves the Florence, Columbia, and Charleston markets. First Reliance Bank boasts a surprising 87% of satisfied customers who go on to recommend them to family and friends, as well as being named to the Top 25 Fastest Growing Companies list in South Carolina, and Lender of…
 
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