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Feelings of shock and anxiety were prevalent during happy hour on Wall Street.
Most Popular Stories
Bending Elbows After 'Brexit'Banking Industry24 Jun 2016 | 10:55 pm
OurCrowd Wins Red Herring Awards; Announces Partnerships with Bayer, DuPontFinovate24 Jun 2016 | 4:28 pmIt's been a busy June for Jerusalem-based crowd investing platform OurCrowd. The company picked up a Red Herring award, announced partnerships with Bayer, Dupont, and FinistereAG, and earned positive press from The Times UK and Wired. "Start-up companies don't just need cash, they need help," OurCrowd founder Jon Medved explained to The Times UK's James Hurley this week. Calling his crowd investing platform a combination of "old-fashioned venture capital and new-age crowdfunding," Medved emphasized the amount of due diligence it does in selecting…
Headline News from PaymentsNews.com - June 24, 2016Payments News - from Glenbrook Partners24 Jun 2016 | 7:36 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB Brexit: Possible Impacts on UK Consumer Payments - PSE Consulting - "Following Britain's momentous decision to leave the European Union our thoughts must inevitably turn to the potential impact on UK consumer payments. In this blog we provide some early thoughts on how the UK market may be affected, beginning with recent European regulation which will have to be untangled." Costco's Transition to Visa Cards Riddled With…
ChatUI and NLP as next generation interfacesThe Bankwatch13 Jun 2016 | 2:29 amIt seems to be that time again where we are on the cusp of a shift in internet behaviours and platforms. I have been noting themes in my reading over the past few months, and two recent pieces in particular solidified them for me. Mary Meeker report, State of the Internet that I referred to a few days ago, and several recent articles by Ben Thompson. The broad themes are: 1. Chat (as in texting) as an interface. 2. Natural Language Processing (NLP) (as in speaking) as an interface. If we think about it, these directions are entirely rational especially #1. Over the last 10 years mobile has…
What Brexit means for HawaiiCommercial Banking News - Commercial Banking News Headlines | Bizjournals.com24 Jun 2016 | 5:47 pmVoters in the United Kingdom sent global markets in a downward spiral on Friday they voted to leave the European Union. The decision, called Brexit, has wide implications for the U.S. economy, including Hawaii-based companies. The banks suffered the worst as Bank of Hawaii Corp. (NYSE: BOH) fell 4.06 percent to $68.10 and Central Pacific Financial Corp. (NYSE: CPF) fell 6.97 percent to $22.83. Meanwhile, BNP Paribas, the parent company of First Hawaiian Bank, fell 17.40 percent to €39.40. BNP…
Banking Industry
Bending Elbows After 'Brexit'24 Jun 2016 | 10:55 pmFeelings of shock and anxiety were prevalent during happy hour on Wall Street.
How Britain's Breakup With the E.U. Could Reshape World Markets24 Jun 2016 | 6:48 pmThe global consequences of the so-called Brexit are unclear, but analysts hope that changes made since the financial crisis will moderate the damage.
'Brexit' Hits British Financial Sector24 Jun 2016 | 2:07 pmA market strategist and an economic adviser discuss the financial consequences of Britain's decision to leave the European Union.
How 'Brexit' Will Affect the Global Economy, Now and Later24 Jun 2016 | 10:54 amStock market declines aren't too worrying, but a recession is a major risk in Britain and something of a risk in the rest of Europe and the U.S.
What to Watch for in Trading After Shock of 'Brexit'24 Jun 2016 | 6:10 amAmong other things, this will be a test of whether the banking overhauls introduced after the 2008 crash are equal to the challenges ahead.
OurCrowd Wins Red Herring Awards; Announces Partnerships with Bayer, DuPont24 Jun 2016 | 4:28 pmIt's been a busy June for Jerusalem-based crowd investing platform OurCrowd. The company picked up a Red Herring award, announced partnerships with Bayer, Dupont, and FinistereAG, and earned positive press from The Times UK and Wired. "Start-up companies don't just need cash, they need help," OurCrowd founder Jon Medved explained to The Times UK's James Hurley this week. Calling his crowd investing platform a combination of "old-fashioned venture capital and new-age crowdfunding," Medved emphasized the amount of due diligence it does in selecting portfolio companies. Only 2% of the companies seeking a spot on the platform make it, he said. OurCrowd's platform enables accredited investors to provide...
Azimo to Launch Facebook Messenger Bot24 Jun 2016 | 2:01 pmGlobal money transfer platform Azimo recently announced plans to make sending and receiving money more social by launching a chatbot for Facebook Messenger. The U.K.-based company will use artificial intelligence and machine learning to create a natural, human-like conversational chat experience. At a WIRED event in London, the company's co-founder Marta Krupinska said, "We want to get to a point where the experience is like going into a branch." Krupinska went on to note that, in addition to simply conducting transactions, users can interact with the bot as they would a human, for example, by asking about international transfer rates. This is the second step we've seen Azimo take toward integrating...
Passport Raises $8 Million in Series B24 Jun 2016 | 11:34 amHere's a funding from one of our more interesting alums that slipped below the radar last month: mobile payment innovator Passport has raised $8 million in new funding. The Series B round was led by MK Capital, and featured participation from Grotech Ventures and Relevance Capital. The new investment takes Passport's total funding to $17 million. Passport CEO Bob Youakim said that the capital infusion would help speed the company's growth and expansion both in the U.S. and around the world, as well as enable Passport to add talent to the team. "Our enterprise platform is striking a chord with the market as they look to bring technology into their operations and drive efficiency." Youakim said. MK Capital...
Finovate Alumni News24 Jun 2016 | 7:59 amOn Finovate.com

Passport Raises $8 Million in Series B.

Azimo to Launch Facebook Messenger Bot.

OurCrowd Wins Red Herring Awards; Announces Partnerships with Bayer, DuPont.

 Around the web

NCR releases updated version of its transactions processing solution, Authentic.

Major update to Xero's online invoicing technology to help businesses avoid phishing scams.

TimeTrade brings its Banking by Appointment functionality to FIS' mobile banking app.

Clover selects DAVO's Sales Tax App as first app featured on its new blog.

ForwardLane and AlphaPoint selected to participate in Accenture's Fintech Innovation Lab.

ENGIE to leverage Kony's enterprise mobility platform.

SafetyPay increases its...

Apply Now to Present at FinDEVr Silicon Valley 2016!23 Jun 2016 | 11:59 pmSummer is here, and FinDEVr is heating up! The second deadline for presenter applications for FinDEVr Silicon Valley 2016 is today — Friday, June 24. If this reminder is taking you by surprise, let us know at firstname.lastname@example.com and we will happily extend the deadline into next week. FinDEVr is the only conference focused on the technology side of fintech. Its mission is to serve the financial services developer community. Showcasing the latest tools, technologies, APIs, platforms, case studies and tutorials, we help CTOs, developers, software architects, UX designers, engineers, product managers and other technologists create the next wave of fintech innovation. Last year the event attracted...
Payments News - from Glenbrook Partners
Headline News from PaymentsNews.com - June 24, 201624 Jun 2016 | 7:36 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB

Brexit: Possible Impacts on UK Consumer Payments - PSE Consulting - "Following Britain's momentous decision to leave the European Union our thoughts must inevitably turn to the potential impact on UK consumer payments. In this blog we provide some early thoughts on how the UK market may be affected, beginning with recent European regulation which will have to be untangled."

Costco's Transition to Visa Cards Riddled With Problems - New York Times - "A transition that executives promised would be seamless has turned into a customer...

Headline News from PaymentsNews.com - June 23, 201623 Jun 2016 | 7:20 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB

RBI publishes "Payment and Settlement Systems in India: Vision-2018" - Reserve Bank of India - "The Reserve Bank of India has today placed on its website the "Payment and Settlement Systems in India: Vision-2018". The Vision-2018 aims at building best of class payment and settlement systems for a 'less-cash' India. The broad contours of Vision-2018 revolve around 5 Cs – coverage, convenience, confidence, convergence and cost. To achieve these, Vision-2018 will focus on four strategic initiatives such as responsive...

Headline News from PaymentsNews.com - June 22, 201622 Jun 2016 | 6:14 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB

Goodbye, Password. Banks Opt to Scan Fingers and Faces Instead. - New York Times - "Some of the nation's largest banks, acknowledging that traditional passwords are either too cumbersome or no longer secure, are increasingly using fingerprints, facial scans and other types of biometrics to safeguard accounts."

Hyperledger Project Adds 7 New Members - Hyperledger - "Hyperledger Project, a collaborative cross-industry effort created to advance blockchain technology, announced today that seven new members have joined to help create an...

Headline News from PaymentsNews.com - June 21, 201621 Jun 2016 | 7:30 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB

Payments on Fire Podcast: The Merchant's Challenge with Chargebacks - "Take a listen to this audio primer on chargebacks with Glenbrook's George Peabody and Chargeback.com's CEO Dave Wilkes. Hear how they work, what the trends are, and how Chargeback.com assists merchants in the chargeback dispute process."

Bitcoin Rival Ethereum Gains Traction - Wall St. Journal - "With a rising market value and a roster of high-profile patrons, Ethereum in recent months has become the next hot thing in cryptocurrencies."

Some Thoughts On Ethereum...

Headline News from PaymentsNews.com - June 20, 201620 Jun 2016 | 7:43 amHeadline News is brought to you by RS Software. To learn more about why RS Software is the choice for leading payments companies around the world, click here! ON THE WEB

Your American Express Costco card is history--Visa moves in Monday - Minneapolis Star-Tribune - "After 16 years, American Express and Costco are divorcing. Amex moved out June 19 and the old card held dear by some Costco members is now "dead to us.""

How Wells Fargo is Reaching the Digital Customer
 - Knowledge@Wharton - "We enjoy probably the highest trust of the large banks but nowhere near the trust levels of a Google or an Amazon or some of the other institutions that really set that bar."
Not in front of the customers: Wal-Mart...

The Bankwatch
ChatUI and NLP as next generation interfaces13 Jun 2016 | 2:29 amIt seems to be that time again where we are on the cusp of a shift in internet behaviours and platforms. I have been noting themes in my reading over the past few months, and two recent pieces in particular solidified them for me. Mary Meeker report, State of the Internet that I referred to a few days ago, and several recent articles by Ben Thompson. The broad themes are: 1. Chat (as in texting) as an interface. 2. Natural Language Processing (NLP) (as in speaking) as an interface. If we think about it, these directions are entirely rational especially #1. Over the last 10 years mobile has grown and grown with certain obvious characteristics. – connectivity by mobile is not always perfect – web...
Mary Meeker annual State of the Internet7 Jun 2016 | 4:41 pmThe Mary Meeker annual report is always fascinating and full of facts for the wonks amongst us. This particular slide pasted below from the 2016 report is one of the better I have seen at quickly summarizing the large generations and their value differences; in particular the financial view of the world which is very different between Boomers and Millennials. http://www.slideshare.net/kleinerperkins/2016-internet-trends-report?from_action=save Filed under: Uncategorized
Move 37 | Implications for progress on Artificial Intelligence23 May 2016 | 7:23 amI watch and listed to Google I/O today. The stuff about the new communications app Allo and new emojis was a bit underwhelming but I sensed a deliberate shift under the guidance of SEO Pinchai towards commercialization with the likes of Google Home coming this year. This is going right after the Amazon Echo market, no doubt with a view to address and expand upon the earlier narrow view exemplified by the Nest purchase. But one comment from Pinchai on "Move 37" came closer towards the end of I/O struck me as prescient with regard to Artificial Intelligence (AI) and that hooked me. If you want to now more about the status and implication of AI, I recommend this two piece analysis at waitbutwhy. Tim Urban...
Apple Pay at Tim Hortons in Canada18 May 2016 | 6:01 amI just made my first Apple Pay transaction at Tim Hortons in Toronto. Very smooth – double press the home button on your locked phone. This has the double effect of unlocking the iPhone, and activating Passbook. Then simply hold over the merchant device to pay. Despite the naysayers, it is actually easier than debit card tap to pay, because the phone is usually more accessible than debit card, and the activation levers the finger print authentication. Now we just need more merchants in Canada to accept Apple Pay. Filed under: Uncategorized
RBC and CIBC add debit and credit cards to Apple Wallet in Canada10 May 2016 | 2:24 pmI was pleasantly surprised after a long wait to see RBC add debit and credit card functionality to Apply Pay today. I had lost touch with the Big 5 Canadian Banks efforts to develop a co-ordinated front on Apple Pay but I see now that they must have agreed on something. They are deploying on their own schedules with RBC and CIBC out first. http://www.cbc.ca/news/business/apple-pay-canada-banks-1.3574907 Here is the RBC page. http://www.rbcroyalbank.com/dms/mobile/payments/ios/index-or.html And here is my Apple Wallet that I had almost given up on for Canada. Now I have to go and buy a Tim Hortons coffee tomorrow. Hopefully the merchant sign up will get into a different gear now. Filed under: Uncategorized
Commercial Banking News - Commercial Banking News Headlines | Bizjournals.com
What Brexit means for Hawaii24 Jun 2016 | 5:47 pmVoters in the United Kingdom sent global markets in a downward spiral on Friday they voted to leave the European Union. The decision, called Brexit, has wide implications for the U.S. economy, including Hawaii-based companies. The banks suffered the worst as Bank of Hawaii Corp. (NYSE: BOH) fell 4.06 percent to $68.10 and Central Pacific Financial Corp. (NYSE: CPF) fell 6.97 percent to $22.83. Meanwhile, BNP Paribas, the parent company of First Hawaiian Bank, fell 17.40 percent to €39.40. BNP…
Seattle-area stocks: Brexit news punishes Tableau, Juno, Paccar in Friday trading24 Jun 2016 | 2:24 pmPrices of U.S. stocks dropped in Friday trading as investors worried about the economic fallout of a European Union without the UK. Public companies in the Puget Sound region followed that trend. One of the biggest slides among Seattle-area companies happened with Tableau Software (NYSE: DATA), the maker of data visualization software tools that has four offices in Europe, including one in London. Its stock lost 9.18 percent to close at $50.64. Among the 10 largest public companies in the Puget…
Visa, Schwab and Wells Fargo shares slammed on Brexit vote24 Jun 2016 | 2:04 pmVisa shares sunk more than 4 percent on the United Kingdom's vote to leave the European Union. Britain's "Brexit" is expected to hit the company's bottom line in several ways, according to a Sandler O'Neill report Friday. Analyst Christopher Donat says Visa and rival MasterCard (NYSE: MA) will take a hit from slower consumer spending, less cross-border activity, slower migration from cash to digital payments and foreign exchange headwinds for earnings in Europe. Join the conversation: Follow…
Baird tells clients to hold steady in wake of Brexit vote24 Jun 2016 | 1:00 pmInvestment advisory firm Baird told clients Friday to hold firm on their investments following Britain's surprising vote to leave the European Union, a move that sent markets worldwide reeling. Baird warned, however, that the stock market's weakness is likely to continue into next week, given the market's history of not bottoming out ahead of a weekend, according to a notice the Milwaukee-based firm sent to its clients Friday and obtained by the Milwaukee Business Journal. The notice is authored…
Brexit vote cost these 10 St. Louis firms $17 billion in market value24 Jun 2016 | 12:56 pmTen top companies with U.S. or North American headquarters in St. Louis were among the biggest losers in the stock market Thursday, losing a combined $17.3 billion in market value Friday, following the United Kingdom's vote to leave the European Union. The Dow Jones Industrial Average plunged more than 600 points by late Friday on the United Kingdom's vote to leave the European Union. The market cap for St. Louis-based Belden Inc. (NYSE: BDC), which provides networking and cabling solutions,…
Investment Banking News - Investment Banking News Headlines | Bizjournals.com
What Brexit means for Hawaii24 Jun 2016 | 5:47 pmVoters in the United Kingdom sent global markets in a downward spiral on Friday they voted to leave the European Union. The decision, called Brexit, has wide implications for the U.S. economy, including Hawaii-based companies. The banks suffered the worst as Bank of Hawaii Corp. (NYSE: BOH) fell 4.06 percent to $68.10 and Central Pacific Financial Corp. (NYSE: CPF) fell 6.97 percent to $22.83. Meanwhile, BNP Paribas, the parent company of First Hawaiian Bank, fell 17.40 percent to €39.40. BNP…
Seattle-area stocks: Brexit news punishes Tableau, Juno, Paccar in Friday trading24 Jun 2016 | 2:24 pmPrices of U.S. stocks dropped in Friday trading as investors worried about the economic fallout of a European Union without the UK. Public companies in the Puget Sound region followed that trend. One of the biggest slides among Seattle-area companies happened with Tableau Software (NYSE: DATA), the maker of data visualization software tools that has four offices in Europe, including one in London. Its stock lost 9.18 percent to close at $50.64. Among the 10 largest public companies in the Puget…
Visa, Schwab and Wells Fargo shares slammed on Brexit vote24 Jun 2016 | 2:04 pmVisa shares sunk more than 4 percent on the United Kingdom's vote to leave the European Union. Britain's "Brexit" is expected to hit the company's bottom line in several ways, according to a Sandler O'Neill report Friday. Analyst Christopher Donat says Visa and rival MasterCard (NYSE: MA) will take a hit from slower consumer spending, less cross-border activity, slower migration from cash to digital payments and foreign exchange headwinds for earnings in Europe. Join the conversation: Follow…
Baird tells clients to hold steady in wake of Brexit vote24 Jun 2016 | 1:00 pmInvestment advisory firm Baird told clients Friday to hold firm on their investments following Britain's surprising vote to leave the European Union, a move that sent markets worldwide reeling. Baird warned, however, that the stock market's weakness is likely to continue into next week, given the market's history of not bottoming out ahead of a weekend, according to a notice the Milwaukee-based firm sent to its clients Friday and obtained by the Milwaukee Business Journal. The notice is authored…
Brexit vote cost these 10 St. Louis firms $17 billion in market value24 Jun 2016 | 12:56 pmTen top companies with U.S. or North American headquarters in St. Louis were among the biggest losers in the stock market Thursday, losing a combined $17.3 billion in market value Friday, following the United Kingdom's vote to leave the European Union. The Dow Jones Industrial Average plunged more than 600 points by late Friday on the United Kingdom's vote to leave the European Union. The market cap for St. Louis-based Belden Inc. (NYSE: BDC), which provides networking and cabling solutions,…
Bank Lawyer's Blog
Countrywide: Closed For Good19 Jun 2016 | 7:07 pmMaybe it's the fact that in another six months or so, the regime change here in the Land of the Free will lead many of the the current crop of enforcers in D.C. out the revolving door and into the loving arms of Big Law, where those wet behind the ears begin the learning curve with 15 grand a month of pocket money. Maybe it's the fact that they knew all along that they were pushing the envelope and, when called on it, they simply shrugged, smiled, and said "Ya' got me!" Whatever the reason, the U.S. Justice Department appears to be throwing in the towel several years earlier than my initial expectation, as a result of the US Second Court of Appeals decision that squashed the Justice Department's fraud...
Defrauding Yourself: A New Frontier Of Legal Theory Temporarily Closed5 Jun 2016 | 7:42 pmAs we discussed a few years ago, the current administration's Department of Justice has been a huge fan of FIRREA, using its civil money penalties potential to squeeze blood out of bank turnips on the theory that a bank committed a "fraud" that "affected" a federally insured financial institution, that "affected" insitution being the bank that (allegedly) "effected" the fraud. It's a useful theory that permits the DOJ to avoid having to prove anything "beyond a reasonable doubt," as would be the standard in a criminal prosecution, but only by the lesser "preponderance of the evidence" standard applicable to civil lawsuits. Using FIRREA also permits the DOJ to issue pre-filing administrative subpoenas in...
Enhanced Recordkeeping Proposal: Kill It Before It Multiplies30 May 2016 | 8:05 pmOne of BLB's favorite gadflies, Bert Ely, was at it again last week (paid subscription required). This time, his incredulity was focused on an FDIC proposal to require the country's largest banks (those with over two million deposit accounts) to implement more "robust" (and expensive) systems for determining more quickly, upon failure of the bank, whether a deposit is inured, uninsured, or partially insured. While Bert concedes that the proposed rule initially burdens only 36 banks, "one could imagine a scenario when this regulation could easily be extended to all banks." "One" could. It's called "trickle down" regulation. The CFPB's "race to the overbearing bottom" is a classic example. Therefore, argues...
The Blame Game Is Still Being Played22 May 2016 | 7:58 pmIn the spring of 2008, months before Lehman Brothers became the largest bankruptcy in US history and the world as we knew it went to hell in a hand basket, I wrote a post about a Wall Street Journal editorial by the former CEO of Nomura Capital, Ethan Penner, in which he decried the bailout culture and the lack of personal responsibility it both reflected and fostered in America. And so we have the insidious modern trend to shirk responsibility and blame others for our missteps. This trend, this "victim mentality," is a path toward personal disaster. Perhaps if the Fed had raised short-term rates more aggressively, the excesses of the bubble could have been avoided. Maybe regulators could have noticed that...
De Novos: A Recipe For Success or Heartburn?15 May 2016 | 8:09 pmLong time community bank attorney (and former FDIC Regional Counsel) Jeff Gerrish created his recipe for cooking up a new bank charter. The number one ingredient is cash, and plenty of it. Because FDIC policy is that de novos need meet an 8% leverage ratio by the end of the third year, "if your new bank is going to be $250 million in total assets at the end of its third year, you will need to raise about $20 million in order to obtain the charter. And that is the minimum. If FDIC determines there is some unique risk in your proposed charter, then the requirement could be higher." My somewhat jaundiced take is that the FDIC will frequently find additional risk, so for planning purposes, count on 10%. Jeff's...
Finance & Banking RSS Feed | JD Supra Law News
Brexit: What are the implications for tax law?24 Jun 2016 | 8:54 pmThe precise impact of a Brexit on UK tax law is not possible to determine without knowing the terms of the exit negotiated by the UK with the EU and future government decisions. There are various ways the relationship between the UK and the EU member...By: DLA Piper
EU Council Agrees on Final Anti Tax Avoidance Directive24 Jun 2016 | 7:36 pmWe wrote in February (European Commission Publishes Anti Tax Avoidance Package) about the draft EU Anti Tax Avoidance Directive ("ATAD"). On 21st June 2016, the EU Council agreed on the final text of the ATAD and it will be adopted in the next...By: Proskauer - Tax Talks
This Week In Securities Litigation24 Jun 2016 | 7:29 pmMerrill Lynch was at the center of actions brought by the SEC and FINRA this week. One action charged the firm with violations of the customer protection rule tied to using customer cash and failing to protect their securities. The settlement...By: Dorsey & Whitney LLP
House Committee Advances Higher Education Bills24 Jun 2016 | 5:28 pmThis summary is the first installment in a series examining the five bipartisan bills in greater detail. As much of the attention in Washington this week was concentrated on the sit-in by House Democrats over gun control legislation, the House...By: Mintz Levin - Education Matters
IRS Provides New 409A Guidance; New Proposed Regulations Provide Additional Clarity, Warn of Abusive Practices, and Present Planning Opportunities24 Jun 2016 | 5:26 pmIn Depth - Additional flexibility to use Section 409A exemptions - ..Expanded availability of the rules for transaction-based compensation for stock rights and incentive stock options. The final regulations allow employers to delay the payment...By: McDermott Will & Emery
The Financial Brand
Do Millennials22 Jun 2016 | 9:02 pmCreating brand experiences with — not for — Millennials is the first step in creating relationships that align with their life goals and expectations.
Banking on a Powerful Brand Experience21 Jun 2016 | 9:03 pmBanking brands must reposition their brands to be at the forefront of the new digital financial experience.
The Fast Follower Fallacy20 Jun 2016 | 9:05 pmDon't believe the nonsense you read about a "fast-follower" strategy. You couldn't do it if you wanted, and you don't need to.
Banking Must Adopt a Digital Customer Journey Perspective19 Jun 2016 | 9:03 pmCustomer journeys in banking must be digitized to reduce costs, increase revenues and improve satisfaction.
Fintech: Banking Disruptor or Distractor?16 Jun 2016 | 3:03 pmTraditional institutions must improve the customer experience and leverage new tech instead and avoid distractions from quasi "disruptors."
Best Honeymoon Travel Deal Credit Cards23 Jun 2016 | 10:55 amImage Credit | https://unsplash.com/@cayton When you're mapping out your wedding budget, one cost you don't want to overlook is the honeymoon. Like any great trip, a honeymoon can cost thousands of dollars. Coming up with the money for a romantic getaway — after you've spent lavishly on a wedding — may seem impossible. But with the right credit card, you can enjoy your trip without going broke. We rounded up the best travel credit card offers for newlyweds and some tips on how you can use them to save big on your honeymoon. Chase Sapphire Preferred The Chase Sapphire Preferred card is a top pick for couples who want a great overall travel rewards credit card. One of the best features about this card is the...
Strategies to Earn More Credit Card Points and Miles22 Jun 2016 | 1:47 pmImage Credit | Orla/Shutterstock.com For people who are able to use credit cards responsibly, there are plenty of rewards to be gained. Rather than focusing how to pay off their balance, these consumers can put their attention toward maximizing their credit card rewards. Whether the rewards come in the form of points, cash back, or miles, there are ways to increase your rewards intentionally — exceeding the rewards you would earn with just your typical spending. If you want to boost the effectiveness of your rewards credit cards, see which strategy best matches your spending habits. Use Bonus Categories to the Max Some of the best rewards credit cards actually give paltry rewards for regular purchases. The...
Tech for the Win? How to Know if an App Can Help You Manage Your Money21 Jun 2016 | 4:11 pmImage Credit | https://unsplash.com/photos/9JHzvOlDbyw When it comes to personal finance and budget tracking, how would you describe yourself? Do you swear by pen and paper or Excel spreadsheets? Or do you think there's nothing better than an app and with instant notifications and updates? This isn't just a question of using technology or not, it also plays into how much control you like to have over your budget tracking. The beauty of this is, it doesn't matter if you prefer manual budget updating or automated personal finance tools –�there's something out there for everyone. But first, you have to decide what kind of method will work best for you. Budgeting Tools for the Hands-On Budgeter How much control...
How to Pay Off Credit Card Debt Faster21 Jun 2016 | 12:57 pmImage Credit | https://unsplash.com/photos/bt-Sc22W-BE Credit card debt is something many Americans battle with. In fact, many American households carry multiple thousands of dollars in credit card debt. That's no small number for a family that has to also worry about paying for a mortgage, college, and retirement savings. If you're feeling the pressure of credit card debt, there are ways to expedite your payoff process. While there's no way to eliminate credit card debt overnight, there are things you can do now to shave your payoff time by months or even years – and potentially save you thousands of dollars in interest in the process. Lower Your Interest Rate Ever wonder why it can seem so much harder to...
Are Financial Prejudices Standing in the Way of Your Success?20 Jun 2016 | 3:44 pmImage Credit | https://unsplash.com/photos/TtoRRAehSAw When I was little, I didn't know that we didn't have a lot of money. I had a beautiful wardrobe, ate every day, and took ballet and gymnastics lessons. As I got older, I began to get an idea that maybe, just maybe we weren't as well off as I thought we were. I realized that maybe, just maybe we were closer to cash poor than rich. My mom economized with a ferocity that I didn't understand. For example, she began preparing for winter in June. She'd buy our clothes at thrift stores or stores like Kmart. She worked harder than anyone I'd ever seen. So hard, in fact, that in a fit of teenage rebellion I told her I never wanted to work as hard as she...
Payments Views from Glenbrook Partners
The Merchant's Challenge with Chargebacks21 Jun 2016 | 6:18 amChargebacks are one of the card system's great consumer benefits. If fraud happens, the merchant doesn't deliver on what was promised, or you're charged six times for something you bought just once, the chargeback mechanism returns your money or restores your credit. What's not to like? Well, if you're a merchant, a lot. While there are plenty of legitimate chargebacks, there are also consumers who take advantage of the system through "friendly fraud," the "I didn't do it" chargeback category abused by all too many. Chargebacks are expensive for merchants. There's a chargeback handling fee from the acquirer. There's the cost of disputing the chargeback. There's the cost if, at the network's discretion, the...
Merchant Acceptance in the Developing World – Mobile Payments' Essential Missing Link13 Jun 2016 | 2:18 amOver the past several years, my colleagues and I at Glenbrook have been working on a variety of projects focused on bringing low-cost financial services to the poor in developing countries. While there has been a lot written on how mobile or eMoney payments systems such as M-PESA in Kenya have grown in many developing countries—and how they have brought much-needed electronic payments to the poor and underserved—there's a critical missing piece that demands attention. Specifically, few are talking about the criticality of merchant acceptance of eMoney payments. At Glenbrook, we believe this is a problem, that the lack of widespread acceptance has both inhibited growth in these systems and remains a...
Shoptalk Conference 201617 May 2016 | 3:43 pmThis episode of Glenbrookâs Payments on Fire podcast comes from the Shoptalk conference, mid-May 2016. Focused on the entire customer engagement cycle, the attendees are all about influencing consumer behavior, the processes of moving customers through that cycle, about making some portion of enterprise IT work more smoothly, or, yes, even about payments. Take a listen to my conversations with start-ups Tuku (in-store digital content delivery), Belly (in-store loyalty), Bold Financial Technologies (payout management for Treasury) and established fintech provider ACI Worldwide.
A Large Merchant Focuses on its Payments Strategy11 May 2016 | 8:52 amPayments industry professionals naturally have a hard focus on the industry's own dynamics. So, it's not uncommon to lose sight of who the customer is and who pays the freight. In retailing, yes, the consumer pays, but payments is a direct cost to the merchant. With all of the changes underway in the U.S. payments landscape, merchants now address payments as a complex, strategic element of their business, both as a way to drive new sales as well as a cost component to be tightly managed. To learn whatâs top of mind for a large scale retailer, take a listen to Dean Sheaffer, SVP of Financial Services at Boscov's Inc., the U.S.'s largest family-owned department store. In this Payments on Fire...
Five Answers – Sort of – to the Big Questions on Blockchain and Bitcoin4 May 2016 | 6:40 amI'm back from two days at Consensus 2016 in NYC, and reporting as promised into my investigation of the Five Big Questions. 1. Bitcoin technology: will the problems (versions, processing time, scalability) be resolved? Yes. My belief that we are all writing this off too soon in favor of "all things blockchain" was reinforced. Glenn Hutchins of Silver Lake Partners drew a parallel between private blockchains and intranets in the early internet days: important for enterprises but not radical or transformative in and of itself. He headlined his talk "Blockchain good, Bitcoin better". Balaji Srinivasan of 21 spoke persuasively about how Bitcoin is the mechanism which will "free API's to be API's" and...
BBR - News
Discover launches Quick Chip to speed up EMV migration24 Jun 2016 | 3:38 amDiscover is introducing a new option for merchants to streamline the checkout process for all chip cards leveraging Discover, Diners Club International and PULSE Networks.
Deutsche Bank to eliminate 3,000 jobs, close 188 branches in Germany23 Jun 2016 | 11:44 pmGerman banking giant Deutsche Bank has announced to cut 3,000 jobs and close 188 branches in the country, as part of its restructuring strategy outlined last year.
American Express partners with Facebook to introduce Amex Bot23 Jun 2016 | 9:54 pmAmerican Express has unveiled its plans to work with Facebook to explore innovative new experiences to interact with Card Members in Messenger.
ABN Amro allows payments through WhatsApp23 Jun 2016 | 9:37 pmABN Amro's Tikkie is the first payment app allowing consumers to send payment requests via WhatsApp.
Hyperwallet partners with Choice Bank to boost prepaid card offerings23 Jun 2016 | 4:33 amHyperwallet, a global payouts provider to the new economy, has announced a partnership with Choice Bank to bolster its already extensive prepaid card capabilities.
Do Credit Cards Cause You To Spend More?31 May 2016 | 5:01 pmToday's post addresses the oft-asked question "Does having and using a credit card cause me to spend more than I would if I just carried cash around?" Much research has been done on this topic, and we'll cover some of that below. We'll also cover some basic, but interesting, psychology around consumer behavior in general when it comes to handling cash. Microcosm: Small Bills vs. Large Bills For shoppers in today's economy, there's simply too much temptation in the consumer market. Sure, everybody is pinching pennies and pockets are tight across America, but companies are well aware of our new "discount conscious" mindsets. There are clearance aisles in every store and deep discount signs shouting "50%...
Five Steps Toward Repairing Your Credit Score30 Apr 2016 | 5:07 pmHaving a good credit rating is essential to modern-day living as it determines whether or not you can rent a car, receive a loan (including a mortgage!), get an apartment lease, and sometimes even get a job – not to mention being approved for a credit card or getting an account at a banking institution. Practically everything you do as an adult requires a decent credit history and rating. One of my long-time friends wrecked his credit early on in his life (due primarily to a bad gambling problem, which he has mostly recovered from). So I've seen first-hand the kind of economic and emotional suffering that lack of access to credit can inflict on someone. If you have made some mistakes with your credit...
ACE Elite Visa Prepaid Card10 Sep 2015 | 2:38 pmYou might have noticed one of the many ACE Cash Express local merchants in your neighborhood offering financial services and transactions. In conjunction with NetSpend Corporation, The ACE Express people bring you the ACE Elite prepaid Visa Debit card. If you tired of high interest charges on credit cards due to challenges on your credit report, have been declined by a bank or maybe tired of bank overdraft fees, then check out the ACE Elite prepaid Visa debit card family. Review of the ACE Elite Visa Prepaid Card We believe the ACE Elite Fee Visa offers some great features to consumers including FDIC protection, card-to-card money transfer, unlimited monthly transactions (through the FeeAdvantage...
Facecard Prepaid MasterCard for College Students10 Sep 2015 | 11:20 amThis is Facecard's Teen Debit card. It's pretty much the same as the regular prepaid debit Facecard, but in this review, we talk more about some of the great parental controls available in the Teen Debit card. A Teen Debit Facecard is a prepaid reloadable card that can be used anywhere MasterCard® is accepted. Like the other Facecard, the teen debit Facecard is a great and inexpensive card. Here's the New FaceCard Teen Debit MasterCard Here's what we like about the new Facecard Teen Debit MasterCard: The Facecard is one of the lowest cost card options in the marketplace today. We like the words "lowest cost". But check this out – the card is still packed full of features. Here are a few.

Instant...

Current by Discover10 Sep 2015 | 11:20 amThe Current Card was a prepaid teen debit card issued by Discover Bank. In many ways, it was a leader in the teen prepaid card space with excellent parental controls and features. Unfortunately, the Current Card from Discover is no longer available for new account holders (although existing accounts, apparently, remain in service). We are leaving portions of this review on the site for you information. The Current Teen Card, by the Folks at Discover Ok, quiz time. Who likes the Current card better? Teens? Or parents? If you figured out that this is a trick question, you are correct. Give yourself an "A". The Current card by Discover is the perfect card for both teens and parents. Check out some...
BBR - Asset Management News
Barclays divests Spanish pension assets to Vidacaixa13 Jun 2016 | 1:08 amBritish banking and financial services company Barclays has sold its Spanish pension assets and liabilities to Vidacaixa, a unit of Caixa Group as part of its strategy to sell its non-core assets.
India Post gets clearance for payments bank services2 Jun 2016 | 2:38 amThe Indian government has cleared a proposal for the India Post to launch payments bank services by March 2017.
US court dismisses lawsuit against JPMorgan in Madoff's Ponzi scheme19 May 2016 | 12:53 amA federal court judge in the US has dismissed a lawsuit alleging JPMorgan Chase's role in the Bernard Madoff's Ponzi scheme.
Deutsche Bank Q1 profit down 58% on weak trading activity28 Apr 2016 | 11:32 pmDeutsche Bank has reported a 58% decline in its net profit for the first quarter this year, as volatile global markets weighed on its trading revenues.
BlackRock launches iShares sustainable MSCI global impact ETF25 Apr 2016 | 1:10 amBlackRock has expanded its suite of socially responsible ETFs with the launch of the iShares Sustainable MSCI Global Impact ETF (MPCT).
CD (Certificate of Deposit) Rates, Money Market Rates, High Interest Savings Accounts
CD Leaderboard: Top 24-Month CD Rate Now Pays 1.50%24 Jun 2016 | 9:11 amFor the second time in two weeks, E-Loan has lowered its rate on 24-month CDs. That puts the best nationally available 2-year CD rate at 1.50%. Related Posts:

Top Return On 1-Year CDs Falls To 1.30%

Best National 36-month CDs Now Pay 1.67%

New Leader In 60-Month CDs Pays 2.27%

National 36-Month CD Leader Now Pays 1.75%

Leaderboard: Top 2-Year CDs Now Pay 1.55%, Top 3-Year CDs…

Bring Home A Deal Worth Bragging About From Spokane Teachers Credit Union23 Jun 2016 | 12:00 amSpokane Teachers Credit Union is offering a deal on 30-month CDs that tops the best national 24- and 36-month deals. Always check Bankaholic for the best rates!Related Posts:

Western Deal: 30-Month CD Pays 2.02%

Limited-Time Offer: 18-Month CD, 2.02%

Highest CD Rates Roundup For Feb. 7

Highest CD Rates Roundup For Aug. 30

Idaho, Oregon Deals On 21-Month CDs

Bank 1.36% On 13-Month CDs Across Texas22 Jun 2016 | 9:45 amBank of the Ozarks is offering 1.36% on 13-month certificates of deposit, beating out the top nationally available 12-month CD. Always check Bankaholic for the best CD rates. Related Posts:

Louisiana Savers: Earn A Sweet 1.15% On 6-Month CDs From…

Take Home 1.15% On 3-Month CDs From HomeBanc

Truliant Launches North Carolina CD Deal

Wakefield Offers Worthy Deal On 30-Month CDs To Boston…

Connecticut Deal Pays 1.25% on 9-Month CDs

TransCapital Bank Pays 1.20% On 10-Month Certificates Of Deposit21 Jun 2016 | 8:18 amTransCapital Bank is offering 1.20% on 10-month certificates of deposit with a $5,000 minimum. Always check Bankaholic for the best CD rates. Related Posts:

Wakefield Offers Worthy Deal On 30-Month CDs To Boston…

Earn Top Yields On 60-Month CDs From Nebo Credit Union In…

New Promo Deal Pays 1.60% In Florida and Alabama

Earn 1.75% On A 36-Month Certificate of Deposit From…

Take Home 1.15% On 3-Month CDs From HomeBanc

Quorum FCU Offers Coast-To-Coast Deal On 10- And 3-Month CD Rates20 Jun 2016 | 1:00 amQuorum Federal Credit Union, an easy-to-join credit union, is offering a coast-to-coast deal on 3-month CDs and 10-month CDs with a modest $1,000 minimum. Related Posts:

Quorum FCU Offers Top Savings, CD Rates

Credit Union Savings Pays 1.05% To All

Top 13-Month CD Available Nationally

Don't Miss These Nationwide Deals on 6- and 18-Month…

Coast-to-Coast 12-Month CD Special Shines

Mapa Research
PSDII: A threat or an opportunity for incumbent financial services providers?21 Jun 2016 | 1:38 am
The PFM challenge: how to offer forward-looking insights and contextual support to customers17 Jun 2016 | 1:36 am
SMEs are underwhelmed by traditional banking – and banks must respond1 Jun 2016 | 8:15 am
Fidor's digital ambitions: Smarter banking for a better world?31 May 2016 | 7:38 am
TransferWise launches international money transfer service for businesses26 May 2016 | 5:55 am
Bank India — Indian Banks News & Tutorials
How to Launch your Startup Venture without Spending a Dime?24 Jun 2016 | 4:17 amExcited to start a new business? You got a great idea in your head with all the planning done to set up your own enterprise. Even there is a risk of losing the job and absence of regular income, you are all set to make your dream of launching your startup venture come true. However, there is one reason that holds you back, "there are not sufficient funds with you". In one way, this is a major problem but lack of capital can't really stop you from chasing your dream. In fact, you can start your business with no money in literal terms. When we use the term "No Money" it means that with minimum funds you can bring your company alive. In this article, we will guide you to establish your business with...
How to Check Axis Bank Account Balance22 May 2016 | 5:37 pmAxis Bank is one of the most popular banks in India. It has huge customer base and the bank is known for facilitation of different facilities to the customer. Almost all banks provides miss call balance enquiry numbers service to their customers. The Balance Enquiry of the Axis Bank is one of the most commonly used inquiries for the bank. Axis Bank offers multiple options for the balance enquiry. Here are the different methods for checking the balance in Axis Bank. ATM ATM is the most common way to get the balance for Axis Bank. One can visit the nearest Axis Bank ATM or any other ATM and get the Balance Enquiry and Mini Statement from the ATM. One can also get the balance after each...
How to Become a Millionaire: 7 Habits That Can Make You Wealthy10 May 2016 | 10:55 pmDo you wish to become a Millionaire in your 30s? Well it is possible but only if you work for yourself. The wish to become a Millionaire is so much among the younger generation that today they are ready to face big hurdles, financial up and downs, be venerable and become a failure. All they want is to succeed with their innovative ideas that can take them to the ultimate throne of success. But, being rich is not an easy task nor is it a work of few days! You wish to get noted among the millionaires, you need to adapt a whole new lifestyle and different perspective to look at life. Here are the incorporated habits of millionaire that will inspire you and guide you to be the next in line. 7 Habits You Must...
Service Tax Guide for Indian Bloggers and Freelancers10 May 2016 | 12:57 amIf you are a blogger or a freelance in India, you must be wondering now about service tax when you are already paying the income tax on your blogging or freelancing income. You must be thinking that Service Tax is paid by the businesses or companies, and you are just a mere individual service provider. Well, here's the actual catch. Our Service Tax guide designed for bloggers and freelancers would help you understand the concept and its application better. Businesses, firms, companies, organizations or individual are just entities. As per the Indian taxation laws, any entity that sells or provides service to other individuals or businesses and getting a remuneration from it, then that entity is liable to...
Allahabad Bank Balance Enquiry9 May 2016 | 8:20 pmAllahabad Bank is one of the major banks in India. It is known for wide range of customer base and equally customized schemes. Customers have many quarries in Bank but the most common one is the balance enquiry. Allahabad Bank has multiple options to get balance enquiry answered. Here are the different options to check the balance online and offline. Method 1: Allahabad Bank Missed Call Balance Enquiry This is one of the most convenient and effective method to know balance from the Allahabad Bank. One needs to give miss calls to a particular number and the account balance will be provided by SMS to the customer from the bank. Just give missed call to the number 09224150150 and balance details will be sent...
Mountain Money by MACU
15 Tips for Stunning Outdoor Living Spaces24 Jun 2016 | 6:00 amIt's that time of year when we can't wait to get home to grab the latest Stephen King novel (guilty pleasure alert!), a cold glass of iced tea and sunscreen, and retreat to the backyard for a little bit of rest and relaxation. Over the last ten years, the backyard has become an extension of the home. You furnish it with the same care and consideration. And, just like the inside of your home, it's a source of many great memories. So whether you have a sprawling backyard, a small patio or just a balcony, make that outdoor space something you're proud of with helpful design tips from Mountain America Credit Union. Enjoy!

Include a variety of seating options for the best use of the space. Use...

Is It the Right Time to Refinance?22 Jun 2016 | 8:09 amWhen it comes to mortgages, what's your breakeven point? In other words, do you know how long it will take to recoup the money you spend on refinancing? And is it worth it? "The rule of thumb when refinancing is to drop your interest rate by at least one percent," says Amy Moser, vice president of mortgage services at Mountain America Credit Union. "But the real key is knowing the overall benefit that the homeowner will receive from a refinance and when they'll start to see it." Interest rates alone aren't the only consideration for refinancing. "Another factor to consider," says Moser, "is the length of time you plan to stay in your home." Even with a lower monthly payment, you need...
Summer 2016 Happenings20 Jun 2016 | 8:58 amThinking of summer brings to mind lemonade stands, sidewalk chalk masterpieces and water balloon fights. It also means more time to take in exciting events and activities that are synonymous with the season. To give you a head start in your search for fun, Mountain America Credit Union has put together a short sampling of outdoor events from around the region. Whatever you enjoy in your spare time, there are lots of options that will strike your fancy. Check out the links at the end for even more events! Utah July 1–4 The West Jordan Western Stampede July 8–9 Payson Scottish Festival July 7–16 Draper Days July 14–17 ...
Which Rewards Credit Card Should Be Your Go-To?15 Jun 2016 | 6:00 amCredit card companies offer an array of rewards with their cards. But how do you know which credit card should be your go-to card for general expenses? The quick answer from experts: the right card is the one that gives you rewards you'll utilize. Here are three things to consider to determine which card will give you the most value:

Your card should continually accrue points toward things you want. Several cards offer a great sign-on bonus, but the perks stop there. The best cards give you points based on how much you spend (i.e. one point per dollar spent) and reward you with items you would otherwise spend money to purchase. For example, you wouldn't get a card that rewards you with cash back to a...

Five Summer Hazards for Your Pet14 Jun 2016 | 10:22 amSummer is here, which means it's time to head outside to play. This often means our pets spend more time outside, too. As much as we love to have Frodo and Spot along for all of our adventures, it's important to take additional precautions in the hot summer months to ensure our furry friends stay safe and comfortable. Here are five summer hazards and tips to help keep your pet safe: Sun and Heat Your pet should always have access to fresh water and a shady or air conditioned space. Pets can become dehydrated quickly. Know the signs and pay attention to your pet whenever you're outdoors for an extended period of time. Look for excessive panting, increased heart rate, thick drool or weak legs. If your...
Bankrate.com » Banking
2 reasons Brexit is very bad news for savers24 Jun 2016 | 7:59 amThe fallout from Brexit won't stop at the U.K.'s shores. American savers will likely see a return to normal yields further delayed for these 2 big reasons.
These banks offer consistently high yields15 Jun 2016 | 3:00 amGetting a great yield on a savings account doesn't do you much good if it ends up being yanked away after a few months.
Where to park cash while the Fed dawdles14 Jun 2016 | 11:30 amMoney market accounts don't lock up your funds, enabling you to move money fast whenever the Fed decides to take action.
Dodd-Frank replacement bets on '16 election10 Jun 2016 | 9:24 amNew legislation unveiled by House Republicans to repeal and replace Dodd-Frank might be a first-100-days priority in a Trump administration.
Writing checks increasingly risky3 Jun 2016 | 2:00 pmIn an age of instantaneous fraud, handing out little pieces of paper with all your important checking account information may not be a good idea anymore.
Banking Sense
Top 10 Money Saving Travel Apps for Your Next Vacation24 Jun 2016 | 2:36 pmVacation; the best time of the year. Unfortunately, as we all know, vacations can be expensive. Whether you're just hopping in the car for a road trip up the coast or taking the entire family to the Happiest Place on Earth, you're always looking for ways to save some extra bucks. Luckily, there's an app for that.You can find help from hundreds of travel apps available for your iPhone, iPad, or Android powered phones and tablets. These apps are all designed to make booking travel plans easy and affordable by helping you find the deepest discounts possible on airfare, hotel rooms, rental cars, and more. All you have to do is check out the iTunes or Google Play store to browse the myriad travel apps that...
15 Biggest Benefits to Having a Summer Internship22 Jun 2016 | 6:30 amSummer's coming. For many students that means it will soon be time to hit the beach and party under the sun. No more classes, tests, or homework. But stop a second. Is that really how you want to spend YOUR summer? As you prepare for finals and figure out whether you'll be heading home or finding new living arrangements closer to school, you probably haven't given much thought to your long-term career goals.Well maybe it's time you started. It doesn't matter if you've just finished your freshman year, either, it's never too early to get a jump on the career plans you have for after you've graduated from school. You may be thinking about taking a paying job to support yourself during the summer months, but...
The Ultimate Guide to Garage Sales21 Jun 2016 | 8:00 amThere's nothing like perusing a good garage sale. It can prove to be a treasure trove for buyers looking to get deep discounts on used items and a fun way for sellers to purge their home of the unwanted clutter taking up space in their basement. But as fun and lucrative as they may be, garage sales can also be a lot of hard work for both buyers and sellers. They take a lot of planning and preparation time and you have to know where and how to advertise.These sales can also be a challenge for buyers who are on the lookout for the best stuff at the lowest prices. Some buyers have turned garage sales into a cottage industry where they purchase certain items from neighborhood yard sales and then resell those...
15 Ways to Maximize Your Home's Value Before Selling20 Jun 2016 | 8:26 amSo you've decided it's time to move out of your home and into a new one. That means you're about to enter the housing market as you prepare to list your home for sale. For some sellers, this can be a complicated and time-consuming proposition as they have to get the home ready to show potential buyers. The goal, of course, is to get top dollar for your current home and, if you're lucky, the home will have appreciated in value during the course of your time residing there. You can have an appraiser come in and check the place out to give you a ballpark figure as to what the house is truly worth at the time that you're thinking of selling.But even before you get that appraisal, there are some steps you can...
How Timeshare Ownership Works: the Complete Guide17 Jun 2016 | 12:15 pmYou may have heard about timeshares, but if you are like most then you probably do not know exactly how they work. Timeshares can be an affordable way to plan a vacation each year, as long as you understand the rights and assurances you are entitled to receive for your participation in a specific property. Timeshare ownership offers people the opportunity to own a piece of a resort property without taking on the full financial burden that comes with keeping that development.Unfortunately, the industry has gotten a bad rap due to unscrupulous sales tactics on the part of brokers and developers who try to pressure potential buyers into a sale through deceptive promises and misleading sales presentations....
Knowledge Villa
Parliamentary Terms25 Jun 2016 | 5:33 amMost Important Parliamentary Terms: Question Hour: The day's business in Parliament normally begins with this. Questions are asked by the members, which are answered by the ministers. Questions are of different types: Starred Questions: Those questions for which an oral answer is required to be given by the minister on the floor of the House. […]The post Parliamentary Terms appeared first on Knowledge Villa.
High Court25 Jun 2016 | 5:06 amHigh Court: Every State has a High Court, which is the highest judicial body of the State. Currently there are 24 High Courts in India. Consists of Chief Justice and other such Judges as appointed by the President. Appointment of Judges: President appoints after consultation with Chief Justice of Supreme Court and the Governor of […]The post High Court appeared first on Knowledge Villa.
What is Money Bill & procedure of passing in Parliament25 Jun 2016 | 5:03 amMoney Bill: A bill which deals with all or any of the following matters: Imposition, regulation or alteration, abolition, remission of any tax. Regulation of borrowing of money by the Govt. Withdrawal or the custody of moneys from the consolidated fund of India. Appropriation of moneys out of the consolidated fund of India. Declaring of […]The post What is Money Bill & procedure of passing in Parliament appeared first on Knowledge Villa.
Attorney General of India25 Jun 2016 | 4:57 amKnow about Attorney General of India: Article 76 of the Constitution has provided for the office of the Attorney General for India. Appointed by the President, he is the highest law officer of the Country, and not a part of the Central Cabinet. A separate Law Minister is provided in the central cabinet to look […]The post Attorney General of India appeared first on Knowledge Villa.
State Government of India25 Jun 2016 | 4:49 amStructure of State Government of India: Governor: There is a governor in every state. Appointed by the President, holds his office at the pleasure of the President. Qualification to be a Governor: Citizen of India Age above 35 years Should not hold any other office of profit. Shouldn't be a member of legislature of the […]The post State Government of India appeared first on Knowledge Villa.
bankers guru adda : IBPS SBI Clerk PO RRB Materials
SBI Clerk Mains 2016: How was your Exam - 25th June, Slot I?24 Jun 2016 | 11:59 pmDear Bankers guru adda Readers, Today SBI Conducted Online Exam For SBI Clerk Mains . Here is The Place to Discuss all About� SBI Clerk Mains 2016: How was your Exam - 25th June, Slot I? The first shift of SBI Clerk Mains is going to be over now. Many of you have appeared for the same and many would be waiting for their turn. So friends, do share your . And if you remember any questions or the type of questions, share the same with us. Your reviews will be beneficial for all the fellow readers, who can build up their own strategy for the exam based on the reviews shared. Kindly share below details:Difficulty level of Quantitative Aptitude, Reasoning Ability, English Language and General awareness.Number of...
United Bank of India NIIT – PO 2016-17 Recruitment Out24 Jun 2016 | 9:18 pmUnited Bank of India, a leading nationalized Bank invites online applications from qualified graduates who will be appointed as Probationary Officer in JMG Scale I after successful completion of one year Post Graduate Diploma in Banking & Finance course in tie-up with NIIT-Institute of Finance,Candidates will be selected through selection process consisting of Online Exam followed by Personal Interview. Interested candidates who full fill the eligibility criteria may apply online by visiting our website www.unitedbankofindia.com The tentative schedule of events is as follows: On-line registration including Edit/Modification of Application by candidates : From 28.06.2016 to 12.07.2016 Online Payment of...
UIIC AO 2016 Online Exam Result Out24 Jun 2016 | 8:51 pmFriends , UIIC AO 2016 Online Exam which was held for Administrative Officer post on 12th June 2016. For Details Visit https://www.uiic.co.in/ Check Here Results All The Best For Interview
SBI Clerk Prelims 2016 - State Wise Cut Off Marks24 Jun 2016 | 3:18 amSBI Clerk Prelims 2016 - State Wise Cut Off Marks State General OBC SC ST Uttar Pradesh 59 56.25 42.75 31.5 Delhi/Haryana 66.25 50.75 56 10 Bihar 51.5 51.5 33.5 27.25 Punjab 67.5 56.5 45 45 Tamil Nadu 21.25 � � � Meghalaya 37.25 � � � West Bengal 51.25 35.25 37 20.75 Madhya Pradesh 54.75 54.75 36.5 9 Haryana 60.75 55 44.25 44.25 Andhra Pradesh 39.25 39.25 39.25 10 Himachal Pradesh 57.5 57 42.75 48.25 Uttarakhand 59.25 48.25 37.5 45.25 Chhattisgarh 22.5 22.5 9.5 9.25 Maharashtra 51.5 51.5 51.5 24.5 Gujarat 42 42 42 28 Rajasthan 64.5 64.5 53.5 25.25 Disclaimer : The above mentioned list is based on the information provided by Aspirants various webs portal & Forums. we are� not responsible...
SBI Clerk Preliminary Cut Off Marks 2016–bankers guru adda23 Jun 2016 | 11:20 pmDear, bankers Guru Adda Viewers,� SBI Clerk Preliminary Online Test Cut Off Marks 2016 Has Released . Here Find Below Section Wise and Category Wise Cut Off marks to Qualify SBI Clerk Mains Category Wise Cut Off marks for SC/ST/OBC/OH/VI/HI/XS/DXS Subject Minimum Qualifying marks English language 3.25 Numerical Ability 2 Reasoning Ability 35 Category Wise Cut Off marks for� General Subject Minimum Qualifying marks English language 6.75 Numerical Ability 5.5 Reasoning Ability 7.75 Overall Cut Off marks for category Wise SC 33.5 ST 22.25 OBC 51.5 GEN 51.5 OH 37 VI 14.25 HI 12 XS 10.75 DXS 25.5for SBI Clerk Marks Results Find Here


text:
Heat blows big lead, still extends streak to 11
MIAMI Dwyane Wade got hot down the stretch and LeBron James missed a layup in the final minute.
Both were huge breaks for the Miami Heat.
James scored 28 points, Wade scored 11 of his 24 in the final five minutes — when Miami needed him most — and the Heat extended the NBA's longest current winning streak to 11 games, beating the Cleveland Cavaliers, 109-105, in a back-and-forth matchup Sunday night.
The Heat blew a 22-point second-half lead, then rallied from eight down with 5:16 left.
"We're a veteran ballclub and we've been in every situation that an NBA game can offer us," James said.
"We don't get too high, we don't get too low, we just play the 48 minutes out and see where it takes us."
Dion Waiters scored 26 points, C.J. Miles added 19 and Kyrie Irving scored 17 for Cleveland, which outscored Miami by a stunning 30 points over a 17-minute stretch of the second half, yet still came up empty.
The Cavaliers are 1-8 against the Heat since James signed with Miami in July 2010.
"We had a very good chance against a very good basketball team, the world champions, and we lost the game because of mental mistakes," Cavaliers coach Byron Scott said. "That's just something that we can't have happen again."
It wasn't just mental mistakes that doomed Cleveland late. There was a bit of luck involved for the Heat.
Miami was up by two and held possession with 1:03 remaining. The shot clock was running down and Chris Bosh was open to try a 16-footer from the right wing. As Bosh was about to release, James got inexplicably free under the basket, thrusting both his arms skyward.
Bosh threw him the pass — and James, enjoying the best shooting season of his career, did the unthinkable: He missed the easy one.
The rebound found its way back to Bosh, the Heat ran down another shot clock and Wade got loose for a two-handed dunk that pushed Miami's lead to 105-101 with 24.4 seconds left.
It was a double-whammy for Cleveland. Miami scored and took nearly 40 seconds off a dwindling clock in the process.
"Hey, I'm a smart player. That's what basketball IQ is all about," James said afterward, unable to hold back a sly grin. "I have no idea how I blew that layup.
"But it did work out for us. Got an extra possession, D-Wade was able to turn the corner and get a slam."
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text:
Anastacia Cancels Tour After Diagnosed With Breast Cancer for Second Time
Anastacia has just found out that the breast cancer which she was diagnosed with in 2003 comes back. The American singer, who makes it big outside the United States with her 2000 dance hit "I'm Outta Love", is forced to cancel all her scheduled gigs and appearances to focus her energy on battling the illness for the second time.
"Anastacia has sadly been diagnosed with breast cancer for the second time after having successfully survived her 2003 battle with the disease. Consequently she has been forced to cancel all performances, tours and any travel from now until further notice," it's announced on her Facebook page.
"I feel so awful to be letting down all my amazing fans who were looking forward to 'It's A Man's World Tour'. It just breaks my heart to disappoint them," the 44-year-old singer regretfully says of the cancellation.
During the break, she "will continue the writing and recording of her new album despite her diagnosis and hopes to schedule a new tour as soon as possible." She "has one goal and that is to make a full recovery with the support of her family, friends and everyone around her," her rep says.
Fans are asked to "respect her need for privacy during such a trying time," the rep concludes. "All tickets for the tour can be refunded from the point of purchase."
After surviving the cancer in 2003, Anastacia created Anastacia Fund to promote the importance of mammograms to women 35 and under, and raises awareness of breast cancer among younger women. Every Friday for six months, she selected outfit from her stage wardrobe to sell on eBay with a portion of the proceeds going to the Breast Cancer Research Foundation.
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Photo SpecialStars' Summer Lovin'
From J.Lo & Marc's Italian kiss to Kate & Lance's touchy-feely tennis game, see the couples adding sizzle to the season. By Serena Kappes
Credit: SC/BD/Flynet
Updated: Wednesday Jul 09, 2008 | 06:00 PM EDT
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Image: Clarabelle Cow's Motor Toon Slide, a favorite attraction of Alan Menken
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AppliedMicro Announces Readiness of 64-bit ARM-Based Server SoC for High Performance Computing
X-Gene's Brawny Custom Cores, Wide Memory Bandwidth and High-Speed I/O Provide Compelling Alternative for Server Platforms
SUNNYVALE, Calif., June 23, 2014 -- AppliedMicro (Nasdaq:AMCC) today announced the readiness of the X-GeneTM Server on a Chip™ based on the 64-bit ARMv8-A architecture for High Performance Computing (HPC) workloads.
Power-efficient, high-performance and high-throughput computing is now a reality with the introduction of the X-Gene Server on a Chip with development kits available immediately, and production silicon available imminently. A heightened sense of urgency around the massive power consumption by data centers and their accelerated growth has driven AppliedMicro and ARM to focus on delivering power-efficient computing. HPC, as well as broader applications throughout the data center, can benefit from the compelling performance, power consumption and total cost of ownership (TCO) advantages provided by AppliedMicro's X-Gene Server on a Chip based on 64-bit ARM® architecture.
AppliedMicro and its partners will demonstrate X-Gene running HPC workloads throughout the week at the International Supercomputing Conference (ISC) 2014 in Leipzig, Germany. A panel discussion highlighting thought leadership on ARM technology in HPC will take place Tuesday, June 24 from 1-2pm CEST. A replay of the program will be available at www.apm.com.
"X-Gene's ability to address segments of the HPC market that have traditionally utilized high-powered microprocessors, speaks to the performance and efficiency of X-Gene's robust out-of-order custom ARMv8-A cores designed from the ground-up," said Dr. Paramesh Gopi, president and CEO of AppliedMicro. "Demanding HPC workloads are now able to take advantage of X-Gene's wide memory subsystem and integrated high-speed I/O."
"Long limited by closed and proprietary system architectures, the HPC community is primed for benefits from the standardized and open 64-bit ARMv8-A architecture," said Simon Segars, chief executive officer, ARM. "The performance and flexibility of X-Gene's ARMv8-A implementation of enterprise-class processor cores, integrated with high-speed analog and mixed-signal IP, can accelerate the adoption of more efficient solutions for high-performance computing."
About AppliedMicro
Applied Micro Circuits Corporation is a global leader in computing and connectivity solutions for next-generation cloud infrastructure and data centers. AppliedMicro delivers silicon solutions that dramatically lower total cost of ownership. Corporate headquarters are located in Sunnyvale, California. www.apm.com.
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WB: 'Kishenji was killed in fake shootout'
Kolkata: Claiming that top Maoist leader Kishenji was killed in a "fake" shootout by the security forces, Magsaysay awardee author-activist Mahasweta Devi Friday said the government must probe and bring out the truth behind his death.
"Not only we, but many outside the country doubt how he was killed. There are enough reasons to doubt. It is the duty of the (West Bengal) government to find out the facts regarding his death and reveal them before the public," Mahasweta Devi said.
She also launched a book on fake shootouts penned by rights activist Sujato Bhadra at the ongoing 36th Kolkata Book Fair.
The book titled "Bhuyo Sangharshe Hatya" gives a historic account of fake shootouts within and outside the country. It also contains details of people thus killed in the country including the timing and the way they were executed.
Mahasweta Devi said the `phenomenon` was not a recent development but has been used by those in power to quell voices of protest and urged the people to stand against such atrocities.
"We all have been witnessing such killings for long and with time we now have learnt to judge if the encounters are fake, no matter how many reasons people give to justify them. People must stand against it and create a mass movement," added the octogenarian.
Bhadra wished and hoped that his book generates awareness among the people and they stand up against such killings.
Rights organisation Bandi Mukti Committee which has published the book also took out a peace march on the fair premises demanding release of political prisoners in the state besides a judicial probe into Kishenji`s killing.
Kishenji alias Koteshwar Rao was gunned down by security forces in West Bengal Nov 24 last year. However, many including Maoist ideologue and litterateur Varavara Rao have doubted the authenticity of the security forces` claims and have been demanding a judicial probe.
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|Monday, June 20, 2016
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Monday, June 13: Evangelical Angst (John Stonestreet)
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Within hours of the Orlando massacres, pundits of all stripes went to the airwaves and ether to give their "take" on the tragedy. Guns, jihadists, hate, immigration, and on and on. In this moving column, Roberto Rivera claims there is no take—but there are two things that Christians should do when something like this occurs.
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Warren discusses California targeting religious schools, the "American Caliphate," teaching Washington State kindergarteners about transgenderism, and Tinder banning teens.
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|For Parents of Teens: The Culture Translator
Every week, Axis.org puts out "The Culture Translator" to help the parents understand what their teens are encountering in the culture. In honor of Fathers' Day, Axis points us to a beautiful and inspiring commercial produced by Gillette—the razor company—entitled "Go Ask Dad." You need to see it.
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- //Home
- //Multimedia
- //Blogs
- //Moving Pixels
This week Nick and I are joined by Jorge Albor and Scott Juster of the Experience Points podcast to discuss how video games fare as live action properties.
Some of these films are homages, some are there to support their franchise, some are both. Most are better than what we have seen on the big screen.
If you want to follow along at home, you can locate all of the films that we discuss on YouTube:
+ Assassin's Creed: Lineage
+ Mortal Kombat: Legacy
+ Portal: No Escape
This podcast is also available via iTunes.
Our podcast contributors:
G. Christopher Williams is the Multimedia Editor at PopMatters.com. You can find his weekly updates featured at the Neuromance blog.
Nick Dinicola is also a regular contributor to the Moving Pixels blog and appears regularly on the Game Hounds podcast.
Jorge Albor is a contributor to the Moving Pixels blog at PopMatters.com. You can also find his writing and podcasts at ExperiencePoints.net.
Scott Juster writes for the Moving Pixels blog at PopMatters.com and at ExperiencePoints.net.
You can follow the Moving Pixels blog on Twitter.
Machinedrum "Dos Puertas" ft. Kevin Hussein (Singles Going Steady) // Music
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A-WA Throw Wild Album Release Party at Webster Hall (Photos)
// Notes from the Road
"A-WA's debut album Habib Galbi made NPR Music's '30 Favorite Albums of 2016 (So Far)' list.READ the article


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Everyone's economies are all linked. Just as the 2008 meltdown affected the whole world's economies, Brexit will have an affect, though not as severe (hopefully).
So, what would your reasoning be for the 3% drop?
It did. But the game is over now
One time boost doesn't solve ESPN's problems
One time, short term boost at best.
Only a Trump supporter could be that dense. Your fake "concern" for gays doesn't fool anyone.
You should have stopped with your first two paragraphs
It's going to be some time before Shanghai will be able to help move the stock up.
So you are going to vote for the least capable candidate just out of spite? Seems like a poor reason to vote for someone. But it seems that's the reason that a lot of people are planning to vote for him.
None of his promises are able to be accomplished. He would just not have the sort of power to get them done. While some of the points he brings up are viable, his assertion that he will be able to do them is totally wrong.
The Martian and John Carter of Mars are not at all comparable (outside of being about Mars).
I guess not. When Disney thinks they have a hit, they hype it into the ground. Personally. I find that a good deal of Disney's sequels are less than the ones that preceded them.
Disney also has lessons that need to be learned.
Disney shills their products to ANYONE with the money. They'll even have competing stations to ABC showing live events if they pay more (ABC has to pay for whatever Disney is selling)
The trailer doesn't provide much of an idea of the movie's content. We'll have to see how this Live Action version of their animated feature works out. It'll depend on how CGI dinnerware doing Busby Berkeley numbers comes across in a live action film.
A major reason why people have been cutting the cord is because they have been frustrated with cable. THAT won't go away until cable companies get their acts together in response to core cutting. IF they do correct their shortcomings, THEN maybe people will return. For me (and probably many others), money is NOT the issue.
Cutting the cord isn't always because of money. Many (any age) see TV/cable/satellite as old technology and are looking for the best access that suites their preferences.
I'm certainly not going back just because I'm getting older.
What works in the comics just doesn't seem to work in the films. The comics are able to draw out and branch the adventures more effectively When they try and cram so many elements into a 90 minute movie with all the additional infill that movies require, it just gets too muddled.
Personally, I find the individual Marvel character films a LOT more appealing than the Avenger character mash-ups. The overall inconsistent value of their various skills/talents/abilities results in questionable value as overall effective team members.
While there may be some manner of success in portraying them in comic books, on the big screen it just doesn't come across at all. Of course, that's my take on it. Those brought up on the Marvel comics may well accept the premise without challenge.
I doubt that those who cut the cord will return, just because they get older. Unless maintaining the cut cord becomes a hassle and cable somehow provides a better deal, people will usually remain with what they have become used to. If cable/satellite wants them back, they will have to make some major improvements, in technology, quality, pricing and content.
Get a DIFFERENT job.


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State showdown looms for McPhees
A showdown looms in the State 4A girls basketball tournament.
If Mead and Mount Rainier, which have been the top-ranked teams all season, win their openers today, they would face off in the semifinals on Friday.
The teams have a blood connection. Cousins start on both teams. Twin sisters Brittany and Jordan McPhee start for the Rams and Mackenzie McPhee starts for Mead.
The father of the Mount Rainier McPhees is Bryce and their mother is former Eastern Washington University player Alice Jones. Mackenzie's father is Jim. The brothers played collegiately at Gonzaga University.
Mackenzie McPhee, who signed with Regis University, has looked forward to the possibility of playing her cousins all season.
Brittany McPhee, a junior, is arguably the best player in the state. She's the reigning Gatorade Player of the Year and is being heavily recruited. She was named The (Tacoma) News Tribune's player of the year. She's 6-foot, like her cousin, and averages 26.4 points and 12.4 rebounds.
There's also a Gonzaga connection within Mead's starting lineup. Sue Winger's father, Mike, played with Jim at Gonzaga.
Blended nicely
The West Valley girls have blended seniors with youth this year and the results have been pleasant.
"This is a big deal for the seniors who have stuck with us," WV coach Lorin Carlon said.
WV (19-5) got a difficult draw. The Eagles open tonight against No. 1-ranked Mark Morris (22-2) at the SunDome in Yakima. Tipoff is at 9.
"We had seniors and young kids that had to learn how to play with each other," Carlon said. "You know how that goes sometimes. It doesn't always work out. Our seniors have been patient and our freshmen and sophomores have come a long way."
Perhaps the biggest impact from the youth came from 5-11 sophomore transfer Erin Higbie, who moved in from Coeur d'Alene. She has averaged 15.4 points and 12.5 rebounds.
Senior 5-2 point guard Aaliyah Ashley-Meek is the lone Eagle who has been to state.
Carlon is optimistic.
"We're playing really good defense right now," he said. "Sometimes at state defense carries you. Hopefully it will carry us another three games."
Suited up
University 6-4 junior forward Ben Kuiper returns to state – but this time he's wearing a Titans uniform.
Titans coach Garrick Phillips took Kuiper and fellow juniors Michael Isotalo and Conor Linehan to state last year when U-Hi took third. They sat in the bleachers.
As sophomores, they were key contributors on a talented junior varsity team. Phillips wanted them to get the feel of state even though they didn't suit up.
"The chemistry of the JV team last year has shone on the varsity this year," Kuiper said. "And we have Brett (Bailey), the best player in the GSL. What can I say? He puts the team on his back. He's a phenomenal leader. He's humble, he's genuine."
Kuiper scored 11 points and had seven rebounds in U-Hi's win over Enumclaw in a state opener last Saturday.
"My confidence level has gone up," Kuiper said. "I know I can score. I got in the weight room and got a little beefier."
Another Titan who has had a big impact is junior point guard DeShaun Boswell.
"We didn't have DeShaun until school started," Phillips said. "He's a military kid and they moved in from Germany. It's taken him a while to feel his way back into American basketball. He had a lot of growing pains, learning what I wanted out of him and seeing how much I'd let him get away with. He's unguardable when he takes the ball to the hole. He's fit in well and been accepted."
This 'n that
It took the Gonzaga Prep girls a while to figure out how to make up for the loss of senior wing Madison Wright, who suffered a season-ending knee injury during the holidays. Not only did they have to replace her points, the Bullpups had to tighten up their defense. The Bullpups have had balanced scoring. Four players score between 15.4 and 9.9 per game. … You could say the pressure is off the Bullpups in their opener today. They've played four elimination games in a row to get to the double-elimination format. … Mead junior guard Delany Junkermier loves the way her team is playing. The recipe for continued success is simple, she said. "We have to be completely focused," she said. "Every team that got to state is supposed to be there. We've just got to play our game and we should be fine."
Sunday Spin: Checking the Spokane bona fides of statewide candidates
Washington state is now so chock-full of candidates for statewide office that you may not be able to avoid stumbling over one the next time you venture into a gathering ...
Smile. There are rarely better days than this
A GRIP ON SPORTS • There were at least a couple things that happened Friday that had to put a smile on your face. Read on.
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Eric O'Grey, the Spokane Valley man whose story about losing more than 100 pounds with the help of a shelter dog went viral earlier this year, has a book deal. ...
Why balloon payments aren't as fun as they sound
sponsored Jargon is confusing, by definition. And the financial world has its own set of cryptic words.


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Utah football spring camp report: Day 2
Utah coach Kyle Whittingham said Thursday's practice was "more of the same" when compared to Tuesday's spring opener.
"Too many drops today. That was probably the thing that stood out as a negative — is the dropped balls," he explained. "But the energy's there, the tempo's there. The focus. They're trying. It's just a matter of cleaning up some of the timing, which is expected the first, second day out. That's going to be the case."
The process of separating things, Whittingham said, will begin when the Utes put the pads on Saturday.
STANDOUTS: Whittingham thought the secondary played well. Safety Eric Rowe played some cornerback — an experiment that Whittingham said would continue throughout the spring — and made some plays. Defensive backs Reggie Porter and Justin Thomas also drew praise.
THOMPSON IN TOWN: Quarterback Kendal Thompson, who is transferring to Utah from Oklahoma, is checking out the Utes' practices this week. He'll graduate in May and enroll at Utah as a graduate student this summer with two years of eligibility.
"Kendal and his family are in town. They spent the week out here," said Utah offensive coordinator Dave Christensen. "He's been at practice every day. He's been on spring break, so he's come to join us."
Utah officials have not allowed Thompson to speak with the media.
NEXT UP: The Utes are scheduled to practice at Rice-Eccles Stadium on Saturday from 10 a.m.-noon. The session is open to the public.
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