Real-time payments are changing gig-economy, real estate payments at small banks

Two smaller banks with strikingly different roots — a startup financial institution in Irvine, Calif., and a century-old Missouri-based bank — are seeing similar trends emerge around demand for real-time payments.

Newer real estate and gig economy companies are most interested in real-time payments, while traditional corporations take a bit longer to explore use cases, according to two banks that were among the first to adopt RTP through FIS’ banking platform.

Data about faster payments demand and usage at small and midsize banks is trickling in as FIS completes the first phase of RTP implementations via The Clearing House (TCH) network, three years after the nation’s largest banks (which collectively own TCH) launched the service.

Smaller financial institutions uninterested in RTP may wait up to three or four years for the Federal Reserve’s proposed FedNow instant-payments solution to launch, and neither Nano Banc nor First Bank wanted to wait that

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America’s Small Colleges Were Already Hurting Pre-Covid. Things Are About To Get Worse.

There was history underfoot at Vermont’s Marlboro College. Tucked away in the Green Mountains, the nonprofit institution founded at the end of World War II held its first graduation in 1948. Robert Frost read a poem at the ceremony and Life Magazine printed a picture of its lone alum: a former rifleman named Hugh Mulligan who spent the years after the war hobnobbing in Paris with the likes of Picasso and studied Shakespeare in operatic form. 

Mulligan died in 2008. And now Marlboro is gone too, shuttered after this year’s spring semester following years of fiscal turmoil. The bucolic 533-acre campus was sold for $1.725 million in cash and debt, plus operating expenses—a sum reportedly “far below the property’s assessed value.”

It’s hardly alone. At least a dozen independent, regional colleges are on the brink of collapse—mostly in the northeast—and all buckling from the one-two punch of dwindling enrollment

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Bay Briefing: The biggest wildfire threat to homes is something very small

Good morning, Bay Area. It’s Friday, Oct. 23, and on one Oakland street, it’s a four-way race for mayor — and all of the candidates are four-legged friends. Here’s what you need to know to start your day.

All the ways a house can catch on fire

“It’s the smallest little details that can save a home.”

While the notion of wildfire threat conjures images of a wall of flame sweeping through homes in wooded areas, fire experts say that structures a mile or two from wildfire fronts can be threatened by windblown embers, a long-overlooked but increasingly common cause of structure fires. One recent study found that as many as 90% building ignitions in the U.S. are caused by embers.

Gregory Thomas reports on how a new focus on embers is changing how experts approach home hardening against fires.

• PG&E says shut-offs are possible Sunday to Tuesday as

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‘Love It or List It’ Reveals Where Extra Space Is Hiding in a Small House

On “Love It or List It,” now in its 17th season, co-hosts David Visentin and Hilary Farr have met countless homeowners who claim they’ve outgrown their homes.

But is their house truly too small, or do they just need some help redesigning their space?

That’s the question at the heart of the latest episode, “Downtown Disconnect,” where parents Sunita and Bijal claim there just isn’t enough room in their house anymore for their family of four. So, real estate agent Visentin starts searching for bigger homes they could buy in the area, while designer Farr tries to renovate the space they have to persuade them to stay.

While the house does seem tiny, Farr works wonders to make the space feel bigger, while also carving out space for a home office, small mudroom, and more. Here’s how she does it, which might inspire you to head off looking for hidden

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What to Know When Buying a for Sale by Owner Business | Small Business

Buying a company can put you in business quickly. You have the advantage of stepping into a working concern with inventory, sales, product recognition and a supply chain already in place. However, you still need to do your due diligence, especially when buying directly from the owner. Have your questions ready when you begin sizing up a for-sale-by-owner business, and you can navigate your way through common pitfalls.

Why the Owner is Selling

You should ask an owner why the business is for sale. According to the company Fair Market Valuations, which focuses on businesses that are for sale, business owners sell for common reasons. These include owner burnout, retirement, illness or family issues, a declining customer base, new competition, the owner’s long-term exit plan and the desire to take profits by selling. As you can see, some of these reasons bode well for you, but others, such as losing

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Small Greenhouse Apartment Gardens

Greenhouses and gardens are an excellent way to harvest your own vegetables, herbs, and flowers.

  • Unfortunately, some people do not have the amount of space to afford a large greenhouse, or garden. This is largely due to them living in apartments, with no yards, or simply very little space to work with.

Mini-greenhouses are compact and can be collapsed when they are not being used.

They can also be setup anywhere that you have space.

  • Most miniature greenhouse are designed to be setup on a patio, or in a small yard, however, there are some designs that can be setup for indoor use.

A mini-greenhouse does not need to be terribly sturdy as they will spend most of the time out of the weather and in doors.

  • Most miniature greenhouses are designed with a solid black covering and an internal UV lamp to optimize year round growth.

They are also … Read More

Things to Consider When Decorating a Small Apartment

Small apartments can provide a nice, cozy feel for its inhabitants as well as for those who come to visit. The space constraints require a need for creativity and careful arranging when decorating a small apartment. There are a few things to keep in mind when considering how to decorate a small living space:

  • Do careful measurements, especially in the living room to make sure the furniture is suited for an apartment. An oversized couch, for instance, can make the living room look and feel too cramped. The same is also true for kitchen sets and beds, as big furniture can detract from the living space and make it harder to comfortably maneuver through the room.
  • Minimize the amount of accessory furniture in the common rooms, particularly the living room area. A small living room can look bigger if it is not filled with a lot of unnecessary furniture. One
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Small Business Property Insurance Info: What Are Factors That Affect the Cost of Coverage?

No matter how big or small your business property is, it's a good idea to have it insured. You never know when somebody might become injured on it, or when a thief might steal something or cause damage to it. There are also natural disasters to worry about, like fire and hail. Like any type of insurance, the internet is filled with information about small business property insurance, some of which is useless information and some very helpful.

The cost of insurance varies depending on multiple factors. Some providers will allow small business owners to include commercial property insurance in a BOP (business owner's policy), which is basically a bundled package of various types of insurance. In some instances, the cost of the package as a whole is actually less than the underlying policies if you were to purchase them separately.

Here are some of the factors that will affect … Read More

How To Adorn An Small Patio On A Budget

Fees will vary depending on the foundations set by a particular neighborhood, however as a general rule you can see the following charges in place at most apartment communities. Few of them are literally web sites of locations that offers you an apartment and not using a credit score test. Most apartment tenants don’t have a say who can be their neighbors. The reason is that every one of us have a look at apartments and business property otherwise.

City records show RAVs LLC has several outstanding water payments for its properties in Flint, together with three balances billed to Mary Ann Apartments for a total of $22,810.79. The final cost made for the three payments was on June 26, 2017.

Consider it or not, you possibly can normally rent an apartment or house for a lot lower than the price of shopping for it – especially in the event … Read More