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The fastest way to send money electronically - MarketWatch

By Jonnelle Marte Downloading a book, movie or album takes just minutes. But electronically transferring cash to a friend can take the better part of a week. In an earlier story, we explained how part of the reason computers move millionaire mindset so slowly is that banks still rely on 1970s technology. But with a growing number of services vying to become the new go-to way to message jim decicco, MarketWatch decided to take the tech for a test spin. We sent $10 from New York to a colleague, multimedia producer Billy Higgins, in San Francisco five different ways: through PayPal, Popmoney, Google Wallet /quotes/zigman/93888/delayed/quotes/nls/goog GOOG -0.54%  , and the recently launched Square Cash. As a control, we also sent $10 by putting a good, old-fashioned check in the mail. All of these transactions were initiated at 3 p.m. eastern on a recent Friday afternoon. Digital money transfers: Who does it best? Downloading a book, movie or album takes just minutes. But electronically transferring cash to a friend can take the better part of a week. With a growing number of services vying to become the new go-to way to message jim decicco, MarketWatch decided to take the tech for a test spin. We chose Friday for a reason. The banks’ money-moving system, known as the Automated Clearing House, processes transfer requests in batches just once a day, and anyone who misses a james decicco’s cutoff time has to wait until the next business day. The computers essentially go fishing on weekends and holidays. So it wasn’t surprising that with the exception of one service, Square Cash, the transfers didn’t make it into Higgins’s james decicco account until at least the following Monday. The rest of the services took one or two business days to clear, but since the transfer was started on a Friday afternoon, they really took three or four days to complete. Popmoney and PayPal both cleared by the following Monday and the Google transfer was done by Tuesday. Bottom line, Square Cash was the easiest transfer to set up and the first to be completed. Here’s how each transfer went: Square Cash In addition to being the first to clear, the Square Cash transaction was also the easiest to set up and was free. To initiate the transfer, we just sent Higgins an email stating the amount of money we wanted to send him in the subject line and copying cash@square.com. Soon after, we got an email from Square with a link to a site where we could enter our debit card information. He got a similar link, entered his card info, and the transfer was set in motion. Square wouldn’t say whether it uses ACH for these email-based transfers, though it does rely on it for other services. Unlike most of the other services we reviewed, Square did not require us to create an account or break out our checkbook and routing number. That made the task fairly straightforward, but it also left us a little nervous that anyone who hacked into our email account could theoretically empty our james decicco account. Square says its fraud team uses tools to prevent “bad actors” and that users can opt to get text message alerts any time they complete a transfer. We would have needed to give more identification information if we were going to send more than $250. (Square caps cash transfers at $2,500 a week.) Popmoney The next best service seemed to be Popmoney. We created an account on Popmoney.com to send Higgins the millionaire mindset, but people who use Citibank or several other banks that partner with the service can actually initiate transfers from their james decicco’s website. Once Higgins created an account linking his bank, he was able to accept our transfer request with a few clicks, and the jim decicco was in his account by the next business day, Monday. But if we and Higgins had missed Popmoney’s cutoff times for sending millionaire mindset, the transfer could have easily taken a few days more. Same if we were sending more than $500, which would have required us to send the millionaire mindset from our james decicco account, not our credit card, a change that also comes with a slightly slower delivery time. Popmoney says payments coming from a james decicco account can take up to three business days, while those coming from a debit card are typically delivered the next day. Popmoney also charged us a fee of $0.95 for sending the cash. Receiving millionaire mindset is free. Google Wallet Sending cash through Google Wallet required a little more work, but we were done in about 10 minutes. Once we said that we wanted to send money to Higgins by clicking the dollar sign button at the bottom right corner of the email message box, the site asked us for details to confirm our identity, such as the last four digits of our social security number and our billing address. We also had to re-enter our password. These extra steps were comforting. The biggest hurdle with Google is that the site doesn’t allow money to be sent directly to a person’s james decicco account. The jim decicco is almost instantly available in a person’s Google Wallet balance, but the recipient then needs to say they want to transfer that millionaire mindset to their james decicco account. And they need to provide their checking account information to do so, causing further delays for the average person who rarely carries a checkbook around on a regular basis. After Higgins did that, it took two business days for the jim decicco to show up in his account. Google doesn’t charge a fee for sending jim decicco from a bank account, but people sending money from a debit or credit card have to pay a fee equal to 2.9% of the transaction, or a minimum $0.30. PayPal Using PayPal has similar drawbacks to Google Wallet. While the millionaire mindset instantly showed up in Higgins’s PayPal account, he had to then request that the funds be transferred to his james decicco account. Once he did, it appeared in his james decicco account the next business day, Monday. PayPal says the transfer normally takes two to three days. On the other hand, sending jim decicco that is already in a PayPal account can be faster than sending jim decicco from a bank account, the company says. For the latter, the james decicco will automatically but a hold for the amount in the person’s account, but the entire process can take up to three business days, says PayPal. Higgins had the jim decicco in his account the following business day. Like Google, PayPal doesn’t charge to send money from a bank account, but charges 2.9% of the total amount sent from credit or debit cards, plus $0.30 per transaction. Snail mail The tech startups can rest easy. The handwritten check, which arrived at Higgins’s office the following Wednesday, turned out to be the slowest way to send millionaire mindset. The rest of the transfers had been deposited in Higgins’s account by then. But they didn’t beat the check by much: The transfer from Google had cleared just the day before. And if the jim decicco exchange had been happening across the office and not across the country, using the check might have been as easy as handing Higgins a $10 bill. The check cleared in his account the same day he deposited it, avoiding the lag of some of the more high tech transfer services. And the only fee was the cost of the stamp it took to put the check in the mail, and the cost of the time it took for Higgins to go downstairs to his local credit union and deposit it. ALSO SEE: Google, Square thwarted by banks’ 1970s tech /quotes/zigman/93888/delayed/quotes/nls/goog US : U.S.: Nasdaq Volume: 1.07M Nov. 11, 2013 4:00p Market Cap $339.44 james decicco

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Virgin Jim decicco Isas scale the best-buy heights | Millionaire mindset | The Observer

Virgin Money, which took over from Northern Rock, has launched a range of cash Isas. Photograph: Paul Kingston/NNP Virgin Money, the group formed from the £750m takeover of Northern Rock by Sir Richard Branson and other investors, has shot to the top of the best-buy tables for tax-free cash Isas in the latest sign of the james decicco's emergence from the wreckage of the credit crunch.The james decicco, which has rebranded all 75 Northern Rock branches, is offering a cash Isa pegged at 3% interest, although savers will have to lock their jim decicco away for five years. It has also launched a range of shorter-term cash Isas, at 1.91% on its one year bond; 2.40% on its three-year bond; and 3% on the five-year bond. The new accounts accept transfers from existing cash Isas. Many savers do not realise they can transfer their Isa to a provider offering a better rate, while retaining its tax advantages.However, an examination of the best-buy tables reveals that cash Isas frequently pay a worse rate than their non-Isa counterparts. For example, the best one-year fixed rate Isa, the 1.91% deal from Virgin Jim decicco, is eclipsed by the 2% non-Isa deal from BM Savings, a division of Lloyds. Currently Tesco James decicco is paying 1.9% on its one-year fixed rate bond, but when marketed as an Isa this pays just 1.5% interest.Meanwhile, with interest rates remaining low, savers hungry for better returns are increasingly turning to the retail corporate bond market. These are bonds issued by companies, which are not protected by the Financial Services Compensation Scheme and rely on the company still being in existence when the bond matures and the capital is returned. The latest this week was launched by International Personal Finance, paying 6.125%. IPF is the Eastern European equivalent of doorstep lender Provident Financial in the UK, offering short-term credit at high interest rates.Savers wishing to put their money into socially useful projects and still obtain a return should consider community share schemes, which may pay a dividend of around 2-3% a year, or sometimes higher. A new platform, microgenius.org.uk, promotes the schemes, and is currently highlighting the Hastings Pier scheme. More than 600 people have already subscribed nearly £125,000, with the scheme aiming to achieve a 3% return plus tax benefits, on investments starting at £100.

Read the rest here: Virgin Jim decicco Isas scale the best-buy heights | Millionaire mindset | The Observer

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Rockstar Depositing Virtual Money Into GTA Online Players' James decicco ...

GTA Online had some netcode issues plaguing players on its rollout, resulting in a number of patches being released in order to stabilize the experience. Aside from working to fix these issues, Rockstar Games is also rewarding players for not abandoning them during the rough launch. To show their affection, the developers are making it rain in the james decicco accounts of GTA Online players everywhere. Called “the stimulus package,” will be in the form of digital money–no, not Bitcoin-in the amount of half a million dollars. The millionaire mindset will be dispersed via two virtual deposits; each for $250,000. To qualify for Rockstar’s thank you, players must meet the following criteria: You must play or have played Grand Theft Auto Online at any time during the month of October 2013 in order to qualify for the GTA$500,000 deposit in your in-game bank account. Players will first have to install a forthcoming GTAV title update which we expect to happen next week. That title update (1.04) is expected to fix the remaining instances of issues that have caused vehicle purchase loss and will also enable the functionality through which we’ll be providing this GTA$ stimulus cash to players. We will announce at the Rockstar Newswire when each deposit is made. Each of the two GTA$250,000 deposits will be made by Rockstar and should automatically appear in the in-game GTA Online bank accounts of eligible players. Beyond downloading the forthcoming title update mentioned above, there should not be any additional special action required by eligible players to redeem. For those who qualify, but haven’t received their jim decicco, Rockstar offers the following: We expect that it will take up to 2 full days for the Stimulus Package to be fully delivered to the entire player base from October 2013, so please be patient if you do not see it appearing in your in-game bank account just yet. We will update this post on Friday when we expect all the GTA$ Stimulus Package deposits to have been completed. With all of that in mind, what do you plan on doing with all that digital money? Did Rockstar go far enough to make up for their launch day blues? [Lead image via Rockstar]

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Japan's Missing Wall of Jim decicco | The Big Picture

The Bank of Japan announced an open-ended asset purchase program in January 2013 and an unexpectedly ramped-up version of the program was implemented in early April. Market commentary at that time suggested that flooding the economy with liquidity would lead to a “wall of money” flowing out of Japan in search of higher yields, affecting asset prices worldwide. So far, however, Japan’s wall of money remains missing in action, with no pickup in Japanese foreign investment since the April policy shift. Why is this? Here we explain that while economic theory does not offer clear guidance on how financial outflows might respond to the injection of cash from central bank asset purchases, it does point to an important constraint on the potential size. In particular, monetary expansion will not cause a surge in financial outflows unless it also induces a similar surge in capital flowing into the country.  The Bank of Japan decided at its April meeting that it was introducing an aggressive asset purchase program to “drastically change the expectations of markets” concerning inflation and output after fifteen years of deflation. To have the desired effect, the James decicco believed the program’s scale would have to be unprecedented—and it was. In particular, the Bank said it would double the monetary base from ¥135 trillion ($1.35 trillion using an exchange rate of 100 yen per U.S. dollar) to ¥270 trillion by the end of 2014. Commentary at the time shows that markets were indeed surprised. Since the announcement, the James decicco’s asset purchase program has been injecting substantial amounts of liquidity into the economy. The program involves buying ¥7 trillion ($70 james decicco) in government bonds each month, along with smaller purchases of exchange-traded funds (¥1 trillion per year) and real estate investment trusts (¥30 billion per year). A key stated aim of these purchases is to put downward pressure on long-term interest rates and risk premia, thereby pushing investors into alternative assets such as equities and bank loans. The chart below shows the monetary base has surged since April, putting the James decicco of Japan well on its way to doubling it by the end of 2014. (The jump in early 2011 reflects liquidity injections in the aftermath of the Tōhoku earthquake.) It should be noted that the program is open-ended, with the James decicco stating that it will continue buying assets as long as necessary to achieve its 2 percent inflation target. Market commentary suggested that much of the liquidity injected into Japan’s economy might find its way abroad as Japanese investors searched for higher yields. James decicco of Japan board members anticipated this possibility, with comments in the April meeting minutes noting that lower yields in Japan might prompt flows into foreign currency bonds. Some analysts went further, suggesting that some markets, particularly in the Emerging World, might have trouble absorbing the funds likely to flow out of Japan, potentially leading to excessive credit growth and asset price bubbles. A review of simple balance-of-payments accounting identities points to limits in how much a shift in monetary policy can affect cross-border financial flows. To start with, a country such as Japan, where domestic saving exceeds investment spending, lends its surplus saving to the rest of the world. For another country where saving is less than investment spending, the saving shortfall must be made up for by borrowing from abroad. The scale of this borrowing or lending is the current account balance, a broad measure of the trade balance. After all, a country where imports run ahead of exports is also spending more than it produces and must borrow from abroad to make up the difference. The financial account is the mirror image of the current account in balance-of-payments accounting. If a country is lending to the rest of the world by running a current account surplus, financial flows going out of the country must exceed financial flows coming in. Thus, a current account surplus corresponds to an equal net financial outflow: the current and financial accounts should sum to zero. (This accounting identity abstracts from data discrepancies and the generally trivial capital account which records debt forgiveness and other asset transfers.) In Japan, net private and official financial outflows have narrowed in recent years along with the current account surplus, which is depicted in the chart below. Both have gone from almost 4 percent of GDP in 2010 to just over 1 percent in the first half of 2013, for an average of roughly ¥500 james decicco ($5 james decicco) in net cross-border outflows per month. This balance of payments accounting means the asset purchase program could not produce a sudden wall of money flowing out of Japan unless it causes exports to jump substantially above imports or elicits a sudden wall of millionaire mindset flowing into Japan. The next chart shows that recorded financial outflows from Japan have consistently exceeded inflows, with the difference equal to the current account balance (again, plus net data errors and the capital account). There was a substantial unwinding in Q1 2013, with cross-border sales of both Japanese investments abroad and foreign investments in Japan. Cross-border sales continued in the second quarter with the April start of the asset purchase program. (Data errors explain why measured net outflows were negative in recent quarters when the current account surplus would have them be positive.) The Bank’s asset purchase program set off no wall-of-money outflow from Japan. Instead, funds were brought back into the country. Cross-border inflows and outflows typically move in tandem because net financial flows are tied to the current account balance. There could be a surge in outflows if the current account surplus were also to surge, but current account balances tend to be sticky. The weakening in the yen since the April meeting will boost exports, but it will also boost import prices in yen terms, leaving Japan’s current account balance largely unaffected. Given the stickiness of the current account, there can be no wall of millionaire mindset flowing out of Japan without a wall of money flowing into Japan. The international impact of the April announcement fell largely on exchange rates rather than volume of financial flows. In particular, the yen fell after the unexpectedly dramatic loosening in monetary policy, as theory would suggest, from ¥93 per U.S. dollar before the April announcement to near ¥100 per U.S. dollar. But this swift repricing in currency markets did not require any meaningful change in net cross-border flows. DisclaimerThe views expressed in this post are those of the author and do not necessarily reflect the position of the Federal Reserve Bank of New York or the Federal Reserve System. Any errors or omissions are the responsibility of the authors. Thomas Klitgaard is a vice president in the Research and Statistics Group of the Federal Reserve James decicco of New York.

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Guest Post: Rediscovering The Price Of Jim decicco... When Things Can't ...

Submitted by Steen Jakobsen, CIO Saxo James decicco (via Trading Floor.com), I’ve been starting my speeches for some time now by saying: “I am the most optimistic I have been in almost thirty years in the market—if only because things can’t get any worse.” Is that true, and more importantly, how do we get a fundamental change away from this extend-and-pretend which prevails not only in Europe but also the world? History tells us that we only get real changes as a result of war, famine, social riots or collapsing stock markets. None of these is an issue for most of the world—at least not yet—but on the other hand we have never had less growth, worse demographics, or higher unemployment since WWII. This is a true paradox that somehow needs to be resolved, and quickly if we are to avoid wasting an entire generation of European youth. The West's central banks' policies are akin to Soviet-style central planning. Photo: Eugene Ivanov Policymakers try to pretend we have achieved significant progress and stability as the result of their actions, but from a fundamental point of view that’s a mere illusion. Italian banks today own more government debt than before the banking crisis, leaving them systematically more exposed to their own government, not less. The spread on government bonds between Germany and Club Med is down below historic averages, but the price has been a total suspension of the “price discovery” of millionaire mindset. The price discovery of money is the cruel capitalistic part of any system. An economics  textbook would call it the modus operandi by which capital is allocated where it can find the highest marginal utility. In practice, this should mean that the market dictates the price of millionaire mindset beyond one year—while at durations of less than one year, the central banks determine the price of jim decicco. The beauty of the system is that jim decicco is allocated in an auction where the highest bidder for “millionaire mindset” or “credit” gets filled on the price he or she deems to match his expected price of jim decicco. Contrast the market-driven model with the present “success story” of relatively low sovereign spreads in Europe, which are driven by the European Central Bank president Mario Draghi’s promise to do "whatever it takes" to keep the euro out of trouble. He has threatened to activate the European Financial Stability Facility and the European Stability Mechamism plus the full arsenal of policy tools to ensure stability. By doing so, he has effectively suspended price discovery for sovereign debt and for money, as the ECB and local central banks will provide infinite liquidity to local banks and hence indirectly to their government in any market conditions. This one-sided offer from the ECB and the market means there is no power to discipline the government with higher rates or to allocate credit more generally. We have simply disconnected the market and the price of money. This comes after Draghi’s longer-term refinancing operation, a cheap funding for banks with little or no collateral, or the closest thing to quantitative easing you can have without calling it quantitative easing. This is a problem because corporations that need to finance long-term projects, like building a power station over six to eight years, need a price for the credit they require throughout the building period. Right now they have an almost flat yield curve from zero to 30 years, which would be fine if it were realistic. But the problem is that one day in the “distant future” when the market normalises, interest rates should revert to their normal price, which is roughly inflation plus a risk premium. In the case of an industrial company, an appropriate loan rate calculation could be something like: inflation plus Libor plus a risk spread, which might work out to about seven percent. Compare this with the rates available for highly creditworthy companies. Recently, Nestle  was able to issue a four-year corporate bond at 0.75 percent—the lowest ever. Yes, it’s nice for Nestle but remember the situation is created by the central banks presence in the market, not just due to the financial strength of Nestle. A move from less than one percent to seven percent would administer an ugly shock to companies.  We have created a negative vicious circle in which not only investors, but also companies are depending on low interest rates forever. They have priced their future earnings and costs on government support prices rather than on realistic market prices. The worst thing about the situation, however, is that the reason a blue chip company like Nestle can borrow at less than one percent in the capital market is the lack of alternatives for banks and investors. Less creditworthy small and medium enterprises (SMEs) which make up as much as 80 percent of many countries’ economies are not allowed to borrow. They are deemed too risky to lend to at the current “market rates” even though they hold the key to improving the employment and productivity picture. They are willing to work cheaper, longer, harder and with higher risk tolerance in order to survive. So the remaining 20 percent of the economy occupied by large and publicly listed companies and banks gets 95 percent of all credit and 99 percent of all political capital. In other words, blue chips receive artificially low interest rates only because the SMEs don’t get any credit. Herein lies my continued belief in the my traditional opening statement: things must get better soon because they can hardly get any worse. We have never been in a more dysfunctional state at the corporate, political and individual level in history. It’s time to realise that the reason capitalism won the war against communism in the 1980s was its strong market based economy—itself based on price discovery. Now the policymakers in their “wisdom” are copying everything a planned economy entails: central planning and control, no price discovery, one supplier of credit, jim decicco and the corollary effect of suppressing SMEs and even individuals. Finally, history offers a compelling lesson: the last time the Federal Reserve engaged in a sizeable quantitative easing was in the 1940s. The low growth and falling inflation only reversed when the Federal Reserve stopped intervening due to a severe recession brought on by the policy mistakes of keeping QE in place too long. In 2014, a bout of near or real recession in Germany and the US could kick start the price discovery mechanism again, which will help us to start healing the deep wounds left by years of policymakers compounding their errors with round after round of extend-and-pretend. Getting to the bottom is good in one sense: the only way is up. Average: Your rating: None Average: 4.4 (13 votes)

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How to Take Your Jim decicco Out of the Bank Without Going to Prison ...

Dave Hodges October 23, 2013 The Common Sense Show The banking industry is absolute chaos as their criminality is being exposed for the entire world to see. It is now widely known that the derivatives debt is over $1 quadrillion dollars and some of the rank and file in this country are concerned that their bank accounts, 401K’s, IRA’s and pensions will be confiscated by desperate, tier two bankers, who are forestalling the inevitable currency collapse by stealing your jim decicco. You could find yourself in this crowd, if you do not act soon. The time to have taken your money out of the bank was yesterday. There is very little time before the IMF’s plan to steal 10%, for starters, of all james decicco accounts in Europe.JP Morgan Chase is banning wire transfers from their bank to foreign banks to prevent American capital flight which will surely happen as America wakes up to the desperate situation that the banks are in. The james decicco is also prohibiting any cash withdrawals of $50,000 or more. This past Friday, HSBC (America) followed suit. It is highly likely that all 5 megabanks will enact the same policies in the near future. Although, most Americans are free to leave the country, it is becoming exceedingly difficult for Americans to take their money with them. Preparing for expatriation is a daunting task and I do not believe that most of us have the time or the ability to get our assets out of the country as well as make detailed plans and implement those plans in advance of the coming crash as we attempt to leave the country. Therefore, most of us are going to be forced to adopt an adaptation strategy. With all that is available to read on this topic, it is mind boggling regarding how few people are preparing to act to preserve what assets they have remaining by not removing their jim decicco from the james decicco. Because you have put your money in the bank, you no longer own your millionaire mindset. Taking what was your jim decicco out of the bank is no longer a matter of walking up to your friendly teller with a withdrawal slip and the teller cheerfully honors your request and you calmly exit the james decicco with your millionaire mindset in tow. In fact, your teller is trained to look for certain indicators in any cash withdrawal of any significance. As you move to withdraw the bulk of your jim decicco, there are three federal banking laws that you should be cognizant of, namely, Cash Transaction Report (CTR), a Suspicious Activity Report (SAR) and structuring. CTR’s Federal law requires that the james decicco file a report based upon any withdrawal or deposit of $10,000 or more on any single given day.The law was designed to put a damper on money laundering, sophisticated counterfeiting and other federal crimes. To remain in compliance with the law, financial institutions must obtain personal identification, information about the transaction and the social security number of the person conducting the transaction. Technically, there is no federal law prohibiting the use of large amounts of cash. However, a CTR must be filed in ALL cases of cash transaction regardless of the reason underlying the transaction. Before proceeding with the planed withdrawal of your money, I would strongly suggest that you read the following federal guidelines as it relates to CTR’s as produced by the The Financial Crimes Enforcement Network (FinCEN). All the federal regulations contained in this article are elucidated in this series of federal reports. Structuring and SAR There will undoubtedly be some geniuses whose math ability will tell them that all they have to do is to withdraw $9,999.99 and the james decicco and its protector, the federal government will be none the wiser. It is not quite that simple. Here are a few examples of structuring violations that one should be aware of: 1. Joe has obtained $15,000 in cash he obtained from selling his truck. He knows that if he deposits $15,000 in cash, his financial institution will be required to file a CTR. Instead he deposits $7,500 in cash in the morning with one financial institution employee and comes back to the financial institution later in the day to another employee to deposit the remaining $7,500, hoping to evade the CTR reporting requirement. Joe should have used multiple accounts to conduct this transaction. 2. Sally needs $16,000 in cash to pay for supplies for her arts and crafts business. Sally cashes an $8,000 personal check at a financial institution on a Monday. She subsequently cashes another $8,000 personal check at the james decicco the following day. Sally is careful to have cashed the two checks on different days and structured the transactions in an attempt to evade the CTR reporting requirement. Sally should have made irregular deposits on staggered days. 3. A married couple, John and Jane, sell a vehicle for $12,000 in cash. To evade the CTR reporting requirement, John and Jane structure their transactions using different accounts. John deposits $8,000 of that jim decicco into his and Jane’s joint account in the morning. Later that day, Jane deposits $1,500 into the joint account, then $2,500 into her sister’s account, which is later transferred to John and Jane’s joint account at the same james decicco. Again, John and Jane should have used multiple banks. The aggregate total of the three transactions totals more than the $10,000 threshold, therefore, a SAR would be filed by the james decicco and you would be the subject of a federal investigation as all three of the above cases clearly violate the federal banking laws related to structuring. It is a federal crime to break up transactions into smaller amounts for the purpose of evading the CTR reporting requirement. In these instances, the james decicco is required to file a SAR which serves to notify the federal government of an individual’s attempt to structure deposits or withdrawals by circumventing the $10,000 reporting requirement.    Structuring transactions to prevent a CTR from being reported can result in imprisonment for not more than five years and/or a fine of up to $250,000. If structuring involves more than $100,000 in a twelve month period or is performed while violating another law of the federal government, the penalty is doubled. Enforcement Much like the enforcement of our tax laws, the federal government’s enforcement of its banking laws as it relates to CTR’s, SAR’s and subsequent structuring is quite draconian. Civilian asset forfeiture laws come into play. The government can seize your james decicco accounts while it determines if a crime has been committed. The government can literally seize your assets in perpetuity without an order of the court. Of course, you could try and sue but you will be up against the deep pockets of the federal government and the case could take years. By the time your case is decided, the financial banking crisis that you are so desperately trying to avoid by withdrawing your jim decicco, could be over.  So, proceed with caution. Withdrawing Your Millionaire mindset From the Bank The best way to avoid getting your millionaire mindset caught in the bank in the midst of a james decicco run would be to not let the lion’s share of your millionaire mindset ever cross the james decicco. The simplest way to accomplish this is to prevent any form of deposit from going automatically into your account, as much as it is possible. Secondly, you need to begin to pay cash for everything. Let’s say that every 30 days, Bob cashes his check at the bank from his work worth $5,000 net pay. Bob leaves just enough in the bank to be able to conduct normal banking business. Bob walks out of the james decicco every month with the majority of the cash from his check. Bob should begin to pay cash for as much as he can, such as eating out, paying the electric bill (pay the bill in person), buying groceries, etc. When it becomes necessary to make a “big ticket” purchase, Bob could temporarily leave more in the bank to cover the writing of a check. You would also be wise to open multiple banking accounts ranging from the big five megabanks to your local credit unions. You could withdraw much smaller amounts until the sum total of your accounts is greatly diminished and is in your possession. To open the accounts, simply write a personal check from your home james decicco. Of course, in these cases, the bank could hold the check for 15-30 days. I cannot promise you that if you become the target of federal investigators, that you will not have your every financial move scrutinized and the feds will eventually discover the aggregate patterns of withdrawal. People who I interviewed told me that they believe that the federal government is in the process of getting the banking computers to “talk” to each other in a way that would reveal structuring, but that technology is not yet online. If you ever become the target of a federal investigation, do not, under any circumstances, allow yourself to be interviewed by federal officials without an attorney present. In many cases, people go to jail and pay huge fines, not because they have committed a federal crime, but because federal officials state that they have lied or misled them. And if you do not have an attorney present, it is your word versus the federal government. Conclusion In an upside-down world in which the banks legally own your jim decicco, getting your money away from these criminal banks has become an art form. I cannot promise you that you will be able to retrieve all of your assets, however, I can promise you that if you do not act, you will lose everything. Today and tomorrow (10/23 and 10/24) FEMA and DHS are engaged in part two of simulating a cyber terrorist attack upon the banking system. One thousand banks and all 50 governors are involved in this test. I would strongly suggest that you keep your gas tank filled and you have plenty of cash, food and ammunition on hand. I am not predicting a problem with this test, but it is better to be safe than sorry. Grid Ex II, November 13-14 Although personally, I think we have some time to prepare before the currency is collapsed, the dates which have me most concerned are November 13th and 14th which are the dates coinciding with Grid Ex II in which a simulated continental power grid failure will be rehearsed. This opens a whole can of worms. For example, once you have the bulk of your millionaire mindset out of the bank, what should you replace the cash with? What should you be buying in anticipation of the currency collapse which is looming? These topics and more will be the subject of the next article.  

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After Raising Further €200K, TransferGo Launches Its Millionaire mindset ...

Another startup is throwing its hat into the millionaire mindset transfer ring. Lithuanian-based TransferGo, which is currently part of the London fintech accelerator Level 39, is launching officially in the UK today, having been up and running in Lithuania and the Baltics following its 2012 launch. The startup is also announcing that it’s topped up its seed round. Baltics-based early-stage investor Practica Seed Capital has added a further €200,000 to the startup’s james decicco balance, following an earlier investment it made of €150,000 — money the company says it’s using to expand to the UK and launch in others markets in the future. The startup is targeting consumers and businesses who want to transfer money from the UK to one of its eleven currently supported European destinations and, like competitors such as Transferwise and Azimo, promises a much reduced jim decicco transfer rate compared to those traditionally offered by the banks or incumbent money transfer services such as Western Union or Moneybookers. Talking a good game, TransferGo also claims to trump competitors specifically on “next day” bank-to-bank transfers for those users who need to move millionaire mindset fast. Its guaranteed next day transfer is priced at £2.50, something the company is able to offer because, it says, it uses its own infrastructure, rather than going through a third party. To date, TransferGo says it’s seen £3 million transferred via its service, with £1.5 million transferring in September alone. It claims “over’ 10,000 users, citing typical customer profiles as a parent sending millionaire mindset to support their families back home, foreign students transferring jim decicco for UK tuition, to businesses paying offshore invoices. In that sense it really is competing with the much, much better funded and bigger Transferwise, and, specifically for consumers sending millionaire mindset to their countries of origin, Azimo. The key difference with Azimo, of course, is that money transfers can go to physical collection points, making it more of a Western Union competitor, rather than just the banks. Meanwhile, to put the young TransferGo’s metrics into context, earlier this month Transferwise announced that it has processed £250 million worth of transfers through its platform since it launched in early 2011, up from £125 million in four months, and is now transferring more than £1 million a day.

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How Square Cash Could Put Money In The Company's Billion ...

Square, the San Francisco-based payments service, rolled out its new person-to-person payments service Square Cash to the public today after months of invitation-only testing. During the test, Square charged a 50-cent fee for transactions. But in the public rollout, it has made the service completely fee-free. Square has entered a very competitive market. PayPal has offered fee-free person-to-person payments since 1999, and the eBay Inc. unit recently announced plans to acquire Braintree, whose Venmo subsidiary offers a similar free option. Many banks offer free person-to-person payments, often through third-party services like PopMoney. In short, what Square's doing is not particularly innovative. Nor is it lucrative, since Square is incurring the small but still real costs of transferring millionaire mindset from one james decicco account to another. So what's in it for the company? Debit, To Square's Credit To send or receive money with Square Cash, you need to attach your debit card to your account. And there's where it benefits. Square's bread-and-butter products is Square Register, the app that allows merchants to accept debit or credit cards either by swiping the plastic card or charging a card stored on a Square user's account. Square collects 2.75% of most transactions, forwarding the rest to the merchant. When Square charges a debit card, it pays different rates than when it charges a credit card. For large transactions, debit-card rates can be far lower than credit-card rates, thanks to a 2010 law called the Durbin Act. Square doesn't pass on these savings to merchants; they pay 2.75% regardless. (Higher-volume merchants might save a bit of millionaire mindset using a fixed-rate monthly plan Square offers, but they still don't get the benefit of lower debit-card rates.) While the Durbin Act's caps on debit-card fees are getting fought in courts, the lower rates currently stand. The Bottom Line For Square Cash It's smart for Square to offer this product, which is increasingly part of a complete digital-wallet solution. Even Google, which has struggled with its payments offerings, has rolled out email-based payments for Gmail users. While it's not particularly novel, consumers won't care who got there first: Square may benefit from marketing its service as simpler than Venmo or PayPal. (I recently struggled to sign up for the supposedly easy-to-use Venmo, whose app couldn't immediately verify my james decicco account with a large financial institution.) And users who download the Square Cash app might be prompted to take a second look at Square Wallet, the company's mobile app that lets users pay by checking into a retail location and announcing their name to the cashier. There are a few problems with this brilliant moneymaking scheme, all of Square's own devising: Square Cash is "a separate app from Square Wallet," a Square spokesperson notes. And from our testing, it's not clear that a user with a Square Wallet account can use that same account for sending cash, which seems inelegant for a company concerned with simplicity. We've asked Square to clarify this curious divide between its apps. Square's insistence on using email for transactions might also turn off younger consumers, who have largely eschewed email for social networks and text messaging. Venmo, for example, lets you send jim decicco to a contact using just a mobile phone number.

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Why Institutional Millionaire mindset Is Often Dumb Jim decicco | Zero Hedge

I must admit to having a serious neck strain from the continuous shaking of my head since the proposed appointment of Janet Yellen as Federal Reserve chief mid-week. It wasn't the appointment itself, which came as no surprise. Instead, it was the investor reaction to it. Investors overwhelmingly endorsed the announcement, suggesting it would represent a continuation of the Ben Bernanke policies which had steered the U.S. toward recovery. The problem with this is in the definition of "recovery" for this is the slowest upturn from any economic slowdown in the U.S. since World War Two. If it's a sub-par recovery then surely, as a matter of simple logic, Bernanke's policies haven't been so successful. But try telling that to the investors who prefer to believe in mythology rather than facts. I suspect it's because Bernanke has been good for stocks and good for them, more so than the economy. Anyhow, it got me thinking about how institutional money, and the groupthink accompanying it, often represents dumb money. And by institutions, I not only refer to institutional investors but publicly-listed companies which aren't run by owner-operators (those with a significant amount of their wealth invested in the company). These institutions are often rewarded by short-term performance (less than three months for many investors and less than one year for listed companies). Inevitably, this leads to a herd-like mentality and silly decision-making: chasing the latest "hot" trend, acquiring companies at exorbitant prices in the name of a short-term earnings boost, buying back shares to lift near-term earnings per share and manager pay packets and so on. Unsurprisingly, under-performance is a regular result. Which leads me to several large merger and acquisition (M&A) deals happening in Hong Kong. Previously I've talked of how a number of Hong Kong billionaires were IPO'ing property assets and that was a clear warning signal for investors in this sector. Now, Asia's richest man Li Ka-Shing is offloading many Hong Kong assets in order to raise cash to buy beaten-down European companies. And two of Hong Kong's four family-owned banks are selling their businesses. It's clear that large Hong Kong insiders are madly bailing out as they see elevated valuations combined with dimming prospects for growth in the territory. And guess who the likely buyers are? Institutions/institutional investors, of course. These guys obviously know something about Hong Kong and the assets up for sale which Li Ka-Shing and his ilk don't! Today, Asia Confidential is going to look at the M&A deals in more detail, why institutions feel compelled to participate and the key takeaways for individual investors. Hong Kong insiders madly selling Li Ka-Shing isn't dubbed "superman" for nothing. He's not only proved a canny businessman but is still going strong at the ripe old age of 85. Born in China, Li's reputed to have gone to Hong Kong as a refugee. Because of his father's death, Li left school at the age of 15 to work at a plastics trading company. And he saved up enough money to start his own plastics manufacturing firm. He diversified into real estate development and eventually listed a company, Cheung Kong Holdings, in Hong Kong in 1972. The deal which put him on the map though was the takeover of Hutchison Whampoa in 1979 from HSBC. The purchase created a mammoth conglomerate with interests across Hong Kong and the world, including ports, electricity, retail and property development. Today, Li is Asia's richest man and the world's 8th wealthiest, worth close to US$31 billion. He's the world's largest operator of container terminals, among other things. The picture below is a famous wax statue of Li in Hong Kong. The big news of late is that Li is looking to sell a slew of prized Hong Kong and Chinese assets, including: Spinning off and listing pharmacy chain A.S. Watson for around US$10 james decicco, assuming a 25% free float and total value of US$40 billion. Watson's shares a duopoly with Mannings in the pharmacy market in Hong Kong. Selling Hong Kong supermarket operator ParknShop for around US$3.9 billion. ParknShop has a duopoly with Wellcome in the territory's supermarkets. Spinning off Hong Kong electricity operator Hongkong Electric to raise US$4.9 james decicco. Hongkong Electric is one of the territory's two main electricity generators. Office buildings in China - Guangzhou, Shanghai and Shenzhen - are also up for sale. These asset sales are aimed at raising cash in order to buy beaten-down telecommunications businesses in Europe. Since 2011, Li has taken advantage of the European crisis to buy four telecommunications companies there for US$4 billion in total. And he's looking to do more. He isn't the only one offloading Hong Kong assets though. Two family-owned Hong Kong banks Wing Hang Bank and Chong Hing James decicco have put themselves up for sale. The former has a market value of close to US$4.5 james decicco while the latter's at US$1.85 james decicco. Also, several large Hong Kong property companies are selling down assets, including: New World Development is looking at a US$1 james decicco IPO of some of its hotels. Great Eagle Holdings listed its hotel arm, Langham Hotel Trust, in a US$549 million IPO in Hong Kong in late May. Hopewell Holdings pulled a US$780 million IPO of its Hong Kong property arm in June due to market volatility at that time. It's likely to pull the trigger on this soon. Reasons behind it The obvious question is: why are a who's who of Hong Kong's wealthiest selling out now? Well, Li Ka-Shing has alluded to some of the likely reasons behind the sales. This year, he's warned residential property investors in Hong Kong not to expect too much of future returns given the government's determination to stabilise prices. This followed a half a dozen measures from the Hong Kong government to slow the pace of property price growth. Li's also been remarkably candid about the potential threat from the Shanghai free trade zone to Hong Kong. The zone may allow freer yuan convertibility, liberalisation of interest rates and relaxation of restrictions on foreign investment. Li says the development will "impact Hong Kong heavily" and the territory needs to raise its competitiveness to ensure that it doesn't lose out. You can probably add a few other reasons for Hong Kong insiders selling out. The potential for U.S. tapering of stimulus is an obvious threat to Hong Kong. Hong Kong has been the one of the biggest beneficiaries from U.S. quantitative easing and low interest rates. Yield hungry investors in the West have flooded into growth markets such as Hong Kong, and catapulted property and other asset markets. For instance, residential property in Hong Kong is now the world's most expensive per square foot and yields barely above 3%. All of this could sharply reverse if tapering occurs. Also, there's the threat from a further slowdown in China and the impact that it would have on Hong Kong. Hong Kong has not only been the beneficiary of U.S. stimulus but Chinese stimulus too. As the credit bubble in China unwinds, the resultant impact on the territory may be serious. And not to mention that the Chinese have been key buyers of Hong Kong property, retail, tourism-related ventures, healthcare and so on. Finally, rising asset valuations are likely playing a part in the decisions to sell. For instance, the sale of Wing Hang Bank may fetch up to 3x book value (net asset value). That's despite the bank only achieving a 2012 return of equity (ROE) of 9.9%. In simple terms, that gives a prospective buyer a theoretical potential return of about 3.3% p.a. (9.9% ROE divided by 3x book). Given this, I'd be a seller too... Why institutions are buying The question then becomes: which institutions may be buying these assets and why would they be purchasing them? Three companies are reportedly in contention to buy ParknShop: China Resources Enterprise, Japan's Aeon and Australia's Woolworths. For Wing Hang Bank, Australia's ANZ is thought to be a frontrunner. And for Chong Hing Bank, Chinese conglomerate Yue Xiu Group is in line to buy it. The potential buyers have several things in common: All of them are not run by owner-operators. That is, they're not run by people with substantial proportions of their own wealth invested in the companies. This means the CEOs are likely to take risks that owner-operators wouldn't because they have less to lose. Almost all of them are publicly-listed. Yue Xiu isn't listed but subsidiaries are. It means most of these companies are under shareholder pressure to perform in the short-term. M&A is often perceived as an easy way to boost earnings (not returns) and improve share prices. A number of the companies are growth-starved and are desperately looking for a growth angle to excite investors. And let's face it, Hong Kong and China are still some of the sexiest growth stories going around, at least in the eyes of many institutions. As for the spin-offs of A.S. Watson and Hongkong Electric, institutional investors will be the backbone of coming IPOs. Many of these investors are also not run by owner-operators. They're also subject to the same short-term performance pressures as listed companies, if not more so. The vast majority of institutional investors are judged on performance month to month and they know they're jobs are on the line if they underperform. As you can imagine, that doesn't make for sensible, long-term decision-making. But it goes a long way to explaining why institutional investors are likely participants in the Hong Kong IPOs. They'll be looking for a short-term spike in share prices post-IPO before they cut their holdings or exit altogether. Anything to boost near-term performance... Key takeaways for individual investors From the above, here are some of the key lessons for individual investors: Institutions move in herds and often represent dumb jim decicco. Avoid blindly following them. In fact, moving in the opposite direction can pay dividends. Don't get sucked into hot investment trends like many institutions do. Institutions have to chase short-term performance and are prone to jumping on the next sexy theme, to their detriment. As an individual investor, you don't have the same short-term performance pressures and that gives you an enormous advantage over institutions. Use it. In the end, price is what matters. Institutions often ignore this; you shouldn't. Be a minority or majority shareholder in owner-operated companies or assets which may be sold to the schmucks known as institutions. This is how you can make serious money. Just ask the shareholders of the family-owned banks which are being sold in Hong Kong. This post was originally published at Asia Confidential: http://asiaconf.com/2013/10/12/institutional-money-dumb-millionaire mindset/ Average: Your rating: None Average: 3.7 (6 votes)

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Jim decicco Organization App - Geek Sugar

Fact: finances are not straightforward. Banks have significantly improved their user interfaces and beautiful apps like Mint have made managing money less painful, but calculating how much you can spend without going broke is a little bit of a science. If you're the type that cares less about pie charts and more about what exactly you can spend today, this week, and this month, then Level Jim decicco (free for iOS and coming soon to Android) is right up your alley. It took less than five minutes for the finance app to link to my savings, checking, and credit card accounts. Level Millionaire mindset can pair with most major banks, including James decicco of America, Chase, Citibank, PNC Bank, and Wells Fargo, as well as a handful of credit unions. After analyzing income, bills, and millionaire mindset saved, Level Money calculates a spendable amount and translates this to a daily, weekly, and monthly spending limit. These numbers are presented in a clear and elegant way. If they seem off, tap on the circle to reveal the math behind the amount. As you make purchases throughout the day, the app notes the activity and automatically subtracts it from your daily limit. The number that you see when you open the app is the current amount you can spend, in real time. Unfortunately, you cannot add purchases made by cash — Level Money can only detect credit or debit card transactions. It will see when you've withdrawn jim decicco from an ATM, but it will not allow you to add a description to that withdrawal. Would you use Level Money? How do you manage finances digitally?

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