James Gardner Welcome to Episode Two of Progressing Financial Markets, a podcast series brought to you by Voices in Business and sponsored by IBM. On today’s show, we talk to James Gardner, Head of Innovation & Research at Lloyds TSB about Innovation in Retail Banking. James is overall responsible for managing the innovation process at Lloyds TSB, the UK’s largest retail bank. Earlier in his career, he held senior positions at Getronics and Microsoft. His recently written book “Innovation and the Future-Proof Bank” will be published in 2009 and he blogs on a regular basis at www.bankervision.typepad.com. In this interview, James discusses with Suzanne Duncan of IBM and Mike O’Hara of Voices in Business how the innovation process can be both managed and measured, the subject of innovation risk, and some of the strategies that can be adopted by a bank in order to foster a successful innovation culture. A full transcript of this episode is available here. We welcome all feedback, so please leave a comment here on the website, call us to leave an audio comment on +44 20 7193 1295, or send a message to comments@voicesinbusiness.com Links: BankerVision - James’ blog Listen Now: To listen to the podcast right now, click on the player icon below. Less

"Presidential candidate Ralph Nader speaks with the NewsHour's Ray Suarez about his latest bid for the White House and discusses his platform on the critical issues facing the country this election year." He discusses the lack of consumer standards, the need for public works projects, and his three steps to fix the budget (1) reinstall comprehensive regulation, (2) return control to stock shareholders, and (3) insure justice to the taxpayer. Less

Lee Hodgkinson Welcome to Episode One of Progressing Financial Markets, a podcast series brought to you by Voices in Business and sponsored by IBM. This first episode of the series, entitled “Setting the Scene”, features Lee Hodgkinson, CEO of SWX Europe, in conversation with Keith Saxton, Global Director of Financial Markets at IBM and Suzanne Duncan, Financial Markets Industry Leader at IBM’s Institute for Business Value. Lee has been a member of the SWX Swiss Exchange Management Committee for five years, holding responsibility for the Market Operations division, where he led the development of SWX’s high-capacity transaction platform. He joined the company in 2001 as Head of Operations before becoming Director of Business Development. He began his career in the Markets Division of the London Stock Exchange, where he worked for nine years and is an alumni of Harvard Business School. In this interview, Lee discusses with Keith and Suzanne how the current market outlook has affected his own strategic initiatives, the changing role of technology within the trading environment, how liquidity power is shifting across the industry, the impact of dark pools and algorithmic trading, how risk management is evolving and the ever-present but constantly changing world of regulation. A full transcript of this episode is available here. We welcome all feedback, so please leave a comment here on the website, call us to leave an audio comment on +44 20 7193 1295, or send a message to comments@voicesinbusiness.com Links: SWX Europe Listen Now: To listen to the podcast right now, click on the player icon below. Less

Keith Saxton - Suzanne Duncan Welcome to “Progressing Financial Markets“, a podcast series brought to you by Voices in Business and sponsored by IBM. In this introductory episode, Mike O’Hara of Voices in Business talks to co-hosts Keith Saxton, IBM’s Global Director of Financial Markets and Suzanne Duncan, Financial Markets Industry Leader at IBM’s Institute for Business Value, about some of the issues and topics that will be covered throughout the series. We welcome all feedback, so please leave a comment here on the website, call us to leave an audio comment on +44 20 7193 1295, or send a message to comments@voicesinbusiness.com Listen Now: Less

FAP840: How to choose a bank, FAFSA methodology Listen now: Student Financial Aid News + Inside Higher Ed: The United States is making minimal progress at doubling bachelor’s degree production in science and technology fields from 2005 to 2015, according to a progress report issued Tuesday by the Business Roundtable. That group, along with other business organizations, set the goal as part of the “Tapping America’s Potential” program, but the update found that bachelor’s degree production in science and technology fields appears to be relatively flat. + Quick note on FAFSA comments from Twitter - the FAFSA deadline of June 30 is NOT for the upcoming year Scholarship Update + 2008 Shout It Out Contest + In 2007, ScholarshipExperts.com received over 10,000 online applications for the ScholarshipExperts.com Shout It Out Scholarship. Five scholarship winners were each awarded a $1,000 scholarship. In 2008, ScholarshipExperts.com is again offering the Shout It Out Scholarship and will award five scholarships of $1,000 each. Applicants must: Be thirteen (13) years of age or older at the time of application Be legal residents of the fifty (50) United States or the District of Columbia Be currently enrolled (or enroll no later than the fall of 2014) in an accredited post-secondary institution of higher education Submit an online short written response (250 words or less) for the scholarship topic: “If you were given a 60-second commercial spot on television that would air repeatedly during the presidential debates, what message would you shout out to America?” Applications must be submitted online no later than September 30, 2008 at 11:59 p.m. EST. Applications submitted by fax or email will not be accepted. + Details at our free college scholarship search site Mail Bag + Richard asks: I’m picking a bank for a standard savings/checking account, one that has an ATM on my soon-to-be campus, and my choices are Bank of America and Citizens Bank. I’m looking for, besides good general terms, great online banking options. Do you know of a comparison site for choosing among banks and do you have any other tips to share? Thanks, as always. + Not sure on a comparison site but look for: no fees, or lowest fees on everything. Which ATM networks it’s a member of. SUM and NYCE deposit are good. Don’t forget about credit unions! + John writes in: So Chris, when your FAFSA says your EFC should be about $8800 and the School sends you an award letter leaving you $24000 shy, any ideas + Difference likely due to institutional methodology vs. federal methodology + Alex called in with questions about where to start scholarship search + Start with our scholarship book! Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you . Subscribing for free means you don’t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis Less

VC, funding, Web 2.0 Wade Roush wrote: MoneyAisle.com, a reverse-auction site where lenders compete to offer potential banking customers the highest rates for certificates of deposit and high-yield savings accounts, is getting a big boost from the financial industry itself. NeoSaej, the Burlington, MA-based company behind MoneyAisle (profiled here last month), said today that it has raised over $7 million in new funding, bringing its total financing to more than $10.5 million. The new round was led by an entity that neoSaej, in a news release, identified only as “a large Boston-based money management firm,” but Xconomy has learned from a source outside the company that it is Wellington Management, which oversees more than $550 billion in institutional assets. Stata Venture Partners II and NeoNet also participated in the funding round. Mukesh Chatter, neoSaej president and CEO, said that the company plans to put the money toward expanding the MoneyAisle platform and beefing up marketing efforts. “We will use the funds primarily to develop additional applications in lending, enhance existing deposit applications, build up promotions and advertising, and recruit new team members,” Chatter tells Xconomy. MoneyAisle has grown quickly since its June 9 launch. Customers put more than $1 million into CDs and savings accounts set up through the site in its first week alone. At least 72 banks have joined the MoneyAisle network. (Each member bank receives software that allows them to participate in neoSaej’s automated, real-time, Internet-based reverse auctions and to specify, among other things, how aggressively they’d like to bid against competing banks.) Almost a quarter of the participating banks are in Michigan, where the company has established a strategic alliance with the Michigan Bankers Association. The association has agreed to promote MoneyAisle’s services to its member banks. “The interest in the MoneyAisle site on the part of both consumers and the banking industry has been very gratifying,” Chatter said in neoSaej’s news release. “After being live for just one month, our consumers are receiving better rates than well-known banking aggregator sites for some of the most popular financial products on the market.” Comments | Permalink | Share |  E-mail Less

Image via Wikipedia FAP838: Student loans and bank failures Listen now: Student Financial Aid News + IndyMac Bank failed over the weekend, taken over by the FDIC. + NASFAA: “After rushing to enact a law that makes it easier for students to obtain more federal student loans, Congressional leaders and lobbyists for for-profit colleges may now be close to a deal to help those colleges avoid an unintended result of that new law,” The Chronicle of Higher Education reports. “The parties are seeking a measure to keep the colleges from running afoul of the requirement that at least 10 percent of their revenue comes from nonfederal sources. The colleges have been concerned about the requirement, known as the 90-10 rule, ever since Congress this past spring raised the limits on the amounts students may borrow under federal loan programs. One option under discussion would allow the colleges to temporarily treat the $2,000 of newly allowed loan funds as part of their 10 percent.” + Bloomberg via NASFAA: “Five months after the collapse of the $330 billion auction-rate securities market, bonds backed by student loans show no signs of recovering,” Bloomberg News reports. “The $85 billion of auction-rate securities sold by state agencies and private lenders to finance student loans are emerging as the most toxic type since Wall Street dealers abandoned the auction-rate market in February amid worries about the financial health of the bond insurers who guaranteed the debt. The collapse of the auction-rate market compounded the financial problems for lenders after Congress last year cut the subsidies it makes to those who sell bonds backed by federally guaranteed loans.” + U Ohio: Ohio Governor Ted Strickland today signed an executive order establishing The Ohio GI Promise, which changes Ohio’s residence requirements to allow all veterans of the U.S. Armed Services, their spouses, and dependents who choose to attend Ohio colleges and universities to do so at in-state tuition rates. Scholarship Update + Brickfish Off Road Nation Scholarship + Share a photo or video of your off road excursions and be eligible for a $500 scholarship. Deadline is September 04, 2008. No purchase necessary. Open to anyone who is a resident of the 50 United States, the District of Columbia or Canada (excluding Quebec), and is 13 or older at the time of entry. + Details at our free college scholarship search site Financial Aid 101 + What happens to your student loans when a bank fails + I’m reasonably certain IndyMac isn’t the last + Your loan is sold to the new bank operator + Servicing typically doesn’t change all that much + Make sure you stay in contact with the bank as it makes the transition + If the bank loses contact with you, they may just classify your debt as delinquent or in default, and that is a mess to clean up + Remember to pull your credit report from time to time Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you . Subscribing for free means you don’t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. Related articles by Zemanta Feds Seize IndyMac’s Assets As Bank Fails IndyMac seized by regulators, marking second largest bank failure in U.S. history. IndyMac Latest Mortgage Crisis Victim Honey, Are We F-D-I-whatever Insured? Analysts Say More Banks Will Fail IndyMac Failure - 2nd Largest In History IndyMac: Your money is safe - FDIC ShareThis Less

FAP834: Expert interview with Bob Aresti, 360 FCU Expert Interview + Today, 12 minutes with Bob Aresti, CEO of 360 Federal Credit Union + Aresti on personal finance, why a credit union, and key consumer mistakes Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you . Subscribing for free means you don’t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis Less

FAP830: Expert interview with Larry Wilson, Coastal Federal Credit Union Listen now: Expert Interview + Today we discuss credit unions, personal finance, and living within your means with Larry Wilson, CEO of Coastal Federal Credit Union in North Carolina. Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you . Subscribing for free means you don’t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + Student credit card information at StudentPlatinum.com + FAFSA form tutorials and free help at FAFSAonline.com + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. ShareThis Less

FAP825: Expert interview: Ron Burniske, Chartway FCU Listen now: In today’s podcast, I talk with Ron Burniske, CEO of Chartway Federal Credit Union, about credit unions, how they’re different than banks, and why they might be in your banking future. Plus, we discuss the philosophical issue of a consumer society, savings rates, and financial aid. Did you enjoy today’s show? If so, please consider subscribing for free to get it delivered to you . Subscribing for free means you don’t have to remember to download it every day. + + + Direct MP3 file download: Click here to download the MP3 Reminders + + Financial Aid Podcast Show Notes at FinancialAidPodcast.com. + Free scholarship search secrets eBook at StudentScholarshipSearch.com/ebook + Open an FDIC-insured savings account today! + Private student loans available at any time - visit AlternativeStudentLoan.com + FAFSA form tutorials and free help at FAFSAonline.com + Parent loans for undergraduate students + Financial Aid discussion forums + Get FAFSA news at the FAFSA blog + Stafford federal student loans at StaffordLoan.com + The Financial Aid Podcast is a publication of the Student Loan Network. I want to hear from you! Email me at financialaidpodcast {at} gmail {dot} com, visit http://www.FinancialAidPodcast.com, or call 206-350-1208. Technorati Tags: financial aid financialaidpodcast ShareThis Less

Is it just me... or is the world falling apart? The Radio Ecoshock Show 080516 Worried? Need a hole to hide in? All through Western history, the human herd has reached panic points. Civilization was expected to end. And sometimes it did. In this program, we'll take the bullet train through global defrosting, climate adaptation, rogue capitalism, economic crash, selling out, capital flight, and the food crisis. You will hear samples from a conference call with world food expert Lester Brown, and clips from a tell-all speech by the radical Canadian nationalist Mel Hurtig. Top Harvard environmental teacher James Gustav Speth says environmentalism has utterly failed. An expert in the hidden economy, Loretta Napoleoni explains Rogue Capitalism. Bill McKibben says we have one last chance. LINKS FOR THIS SHOW: Here are some links to the full interviews and speeches referenced in this show: Lester Brown press call conference on the causes of the world food crisis (34 minutes in a tiny fast-downloading file). Brown, of Earth-Policy.org says this isn't a passing crisis, but a new trend which will cause mass starvation from here on out. Mel Hurtig "The Truth About Canada" book launch speech (1 hour) on sell-out, corporate concentration, merger with U.S. and capital flight. WNYC Leonard Lopate interview with Yale's James G. Speth Loretta Napoleoni book launch speech "Rogue Economics" (1 hour) Here is the best spot to find Bill McKibben's "Last Chance for Civilization" article - with some really intelligent blog reader comments - at commondreams.org. TRANSCRIPT FOR THIS SHOW: You can find the whole thing tied together in this rough and ready transcript for the show.Learn how the billionaires are skipping out on taxes - and on paying for the energy and transportation transformation we will need to confront climate change. This includes a brief profile of one rogue corporation: the Swiss banking giant UBS. Just after we went to air, a former UBS executive was arrested, charged with helping a California billionaire avoid U.S. taxes. Just one of many. American listeners will also be interested in Mel Hurtig's description of secret meetings - a real-life conspiracy among the business elite (and your elected representatives) to sell out America, Canada, and Mexico to create the North American Union (that nobody voted for, and nobody wants...) You have to get that from the audio of the program. Blogger readers, click the title above, or get the one hour program (14 MB) at:http://www.ecoshock.net/eshock08/ES_080516_Show_LoFi.mp3 There is a hilarious bit on biofuels from John Oliver (the "Senior Correspondent" on Jon Stewart's "Today Show") and Andy Saltzman in this program. Find their running series "The Bugle" at the Times Online site here. The whole food crisis is so sick we need to poke black fun at our wasteful fat selves, to see through our thick lenses. Then Lester Brown tucks into the real issues, including a call for an end to the heartless process of using up food for SUV fuel. IMPORTANT Note to Podcast listeners: By popular demand, I have switched this podcast to the smaller Lo-Fi format (32 Kbps, mono). This downloads faster, stores better on your hard drive, and sounds pretty good. The only downside is slightly less quality, if you are into good stereo sound for your Ipod or sound system. And you can't burn this LoFi version direct to older style CD's. It will burn to CD as an mp3 file, which can be played by newer CD players, computers, DVD players, etc. If you are a radio station getting the podcast from this source, you should switch over to the podcast found at our radio support site: www.ecoshock.net That site will continue to podcast the full 56 MB 44 Hhz version. There is an easy sign-up podcast subscription button there. Then you can burn direct to CD from the podcast, and toss it into any station CD player. This is handy for late night, or unattended play. Other listeners who want to continue receiving the higher quality 56 MB version are quite welcome to sign up for the podcast coming from www.ecoshock.net as well. You don't need to be a radio station to use that podcast. One final note: we need more stations! As the number of stations go up, it gets easier for me to bring on the big name authors and scientists. Although, I have to say, we have had no problems so far! Still, if you can contact your local non-profit college or community radio station, please ask them to add Radio Ecoshock to their programing. I realize there is a lot of competition for local air space, but we need one big environment program with the world view. Things like climate change are too important. We can't just say "Oh sorry, we don't have time to tell listeners about that..." Please write or email requests to your local station. If you get some contact with a program director or station manager, can you forward it to me? My address isradio [at] ecoshock.org. I'm also trying to find more Low Power FM stations to broadcast the show. Your suggestions (and their contact info) are also very welcome. We need a revolution to save what's left - and I'm hoping podcast listeners, and blog readers, will help out. From the emails I have received from you - we have a really intelligent bunch here! A lot of activists, scientists, professionals, and even government people are listening to Radio Ecoshock. I appreciate the tips and help people send in. Some programs, including next week's "Too Hot to Handle" - come from listener tips. This has become a group effort - thanks so much! Alex Smithhost Radio Ecoshock Less

Author: RealWorldGreen Added: Tue, 22 Apr 2008 17:49:31 -0800Duration: 139 Be more green when you do our banking, start using online banking, helping to reduce your carbon footprint. Less

Author: RealWorldGreen Added: Tue, 22 Apr 2008 17:49:31 -0800Duration: 139 Be more green when you do our banking, start using online banking, helping to reduce your carbon footprint. Less

Syed Ahmed, a Regional Vice President for one of Delaware’s top banks discusses what makes WSFS Bank different and gives examples why. He also describes how they create a fun working environment and why careers in banking are so rewarding. Apply for their banking jobs at wsfsbank.com MP3 File Less

Microsoft wants to buy Yahoo. Watch your debit card transactions. Your bank may be giving you an overdraft loan which is very short term loan with a very high interest rate also know as “Overdraft Protections” . The Minority Serving Institute Bill has been resurrected and making its way through Congress again. HR 694 passes the House and goes on to the Senate as S 1650 Center for Responsible Lending :: Check out this report on Overdraft Loans Gov Track :: Status of the Consumer Overdraft Protection Fair Practices Act Gov Track :: Status of S1650- Senate Version of Minority Serving Institution Digital and Wireless Technology Opportunity Act File Download (32:16 min / 22 MB) Less

As Fred Thompson drops out of the republican race for the whitehouse, Spike talks about why it’s a good thing he’s gone and examines his frighteningly extremist record. Politics talk ends at 22 minutes and eight seconds in, by the way. That’s after Spike’s talk radio conscience weighs in. Spike will deal with “this much freaky and scary” when it comes to Google’s information gathering (and their ‘official blob’) but is well impressed that they’re splashing some cash on worthy causes and generating almost a third of their power through solar. All whilst Yahoo is going down the tubes. He suggests a new way to deal with the UK’s problem of the failures of private prisons, talks about prostitution and uses the phrase “here’s the rub” without tying it into anything sexual (shame!), a how-to guide for making a few extra bucks with your webcam, haggis and the lies of the guys who got attacked by a tiger. Less