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Who uses credit cards?

Millennials Not So Keen About Credit Cards

Back to cash is king?  Limiting credit card use is a great way to STAY out of debt.

“People age 29 and younger are 93 percent more likely to have a negative opinion of credit cards than people age 59 and older, according to new research from Wallet Hub. One completely unsurprising reason for these contrasting points of view is that “younger people are having more trouble managing their credit card debt,” Lucia Dunn, Ohio State University economics professor, said in press release. “That would give a person a negative opinion of cards” Another reason is that millennials fear having too much debt. “Millennials witnessed their parents’ struggles during the Great Recession and are already overburdened by student loans,” said WalletHub CEO Odysseas Papadimitriou. “So it’s no surprise they dislike credit cards.””

TCM Bank Leaked its Customer Data for 16 months

Paying attention to notices from Banks and Credit Card Issuer is very important. This is how you may find out if you personal data has been stolen. It is critical to take action early, to avoid serious problems like identity theft or new accounts opened in your name.

Credit Card Issuer TCM Bank Leaked Applicant Data For 16 Months

TCM Bank, a company that helps more than 750 small and community U.S. banks issue credit cards to their account holders, said a Web site misconfiguration exposed the names, addresses, dates of birth and Social Security numbers of thousands of people who applied for cards between early March 2017 and mid-July 2018. TCM is a subsidiary of Washington, D.C.-based ICBA Bancard Inc., which helps community banks provide a credit card option to their customers using bank-branded cards. In a letter being mailed to affected customers today, TCM said the information exposed was data that card applicants uploaded to a Web site managed by a third party vendor. TCM said it learned of the issue on July 16, 2018, and had the problem fixed by the following day.”

Aging Gracefully and Having a Good Time

Living Longer, Fuller Lives

This new economy of connections is what will enable clients to live fuller lives as they age, and it touches five important aspects of their lives:

Technology-Driven Transportation Will Help Them Stay Mobile
Cars are increasingly offering automated features such as parking assistance, collision prevention, and lane-departure warnings that can extend the driving capabilities for aging drivers. But when driving is no longer an option, ride-hailing services such as Uber and Lyft may be a solution by providing on-demand transportation through free smartphone apps. They can also provide flexible employment as clients age; Uber has stated that some of their most popular drivers are retirees. And while not yet available, Google and major car manufacturers are in the process of developing and testing driverless cars that could offer independence to those who would otherwise be unable to drive. Yeah for autonomous vehicles!

It Will Be Easier to Work and Earn Income Longer

According to AARP, four out of 10 Baby Boomers plan to work in some capacity during retirement.2 Technology can contribute to this in several ways. First, it could promote greater flexibility in an existing position by allowing remote work from the comfort of home. Second, many clients are finding second careers in retirement. Clients can use online education forums, such as Edx and Coursera, to broaden or update existing skillsets, or even learn entirely new skills and industries. The courses are from many universities and some are free. Serving as a provider in today’s on-demand economy can also offer non-traditional employment. For example, services such as AirBNB allow homeowners to rent out rooms, providing both income and social interaction for the homeowner, as do driving services such as Uber and Lyft.

Clients Will Be Better Able to Maintain Their Social Network As They Age
Loneliness can be a major health risk for seniors, and personal interaction can decrease significantly in retirement, especially after the loss of a spouse. Fortunately, technology has already taken strides to reduce the distances between families and friends with internet-based apps such as Skype and Facetime. These apps have removed the cost considerations of long distance conversations while adding the ability to include face-to-face contact. In retirement communities, the Connected Living program provides the equipment and a medium to give seniors access to digital social lives, and there are even senior-specific dating websites, such as OurTime and Stitch, to facilitate building new romantic relationships as clients age.

Connected Homes and Apps Can Promote Aging in Place
Clients’ homes play an integral part in their family lives, and are full of memories and their personal effects. Many Americans say they want to age in place, but simple required maintenance can become difficult or unsafe to manage as we age. Today, apps such as Handy and TaskRabbit pre-screen handymen or contractors for home improvement projects. For more frequent day-to-day needs, there are even apps like Instacart to make grocery delivery simple, or 1-800-DryClean, which delivers laundry and dry-cleaning to a client’s door. Do clients need a butler to help you tidy up their home? Look to Hello Alfred; their motto is: “Come Home Happy” . They started in NY and have 8 other locations including SF. And in some cases, they wouldn’t even need to lift a finger because voice-activated controllers like the Amazon Echo can access these apps, all while their robot vacuum, a Roomba, cleans their floors autonomously. These are all tasks that may be taken for granted in younger years, but can be difficult to manage as clients age and are significant to remaining independent and aging in their own homes.

However, some services like Washio, which did the same service as 1-800-DryClean, shut its doors, “washed-up” so to speak. So Pick Carefully! If it is a good idea, there will be lots of choices from other entrepreneurs.  — the editor

Technology Will Monitor Clients’ Health at Home
Healthcare costs may be one of the largest budget items for retirees as they manage chronic conditions, and healthcare often plays a deciding role in whether or not it’s possible to remain at home rather than in a facility or institution. But what if clients could more proactively manage their health with the help of devices and apps at home? From smart toilets that can measure weight and vitals to smart clothing that can track activity levels or carpets that can detect a fall, developers are working to integrate technology into everyday objects to monitor clients’ health and detect changes or problems immediately. And when outside help is required, apps like Honor can provide peace of mind that trained professionals have been screened and are qualified to help an aging client.

Really enjoyed this article, here is an excerpt, the full article is here.

2018 JP Morgan Chase Corporate Challenge

This year’s Corporate 5K Challenge. The details are below, with the registration we get a Race Quality Wells Fargo shirt ALONG with the JP Morgan Chase shirt that is given on race day. Please reach out to Chris Yager or Heather Cerney if you have any questions.

This is a reminder that the 2018 JP Morgan Chase Corporate Challenge registration deadline is approaching- please sign up before Wednesday, August 1st if you plan on participating in this year’s event.

If you participated last year, you may have received an email directly from JPMCC but here are some important details.

This year’s event is taking place Thursday, September 6th and we hope to see you there.

7:05 pm, McCovey Cove across from AT&T Park



1. Find YOUR team ( for us it is Wells Fargo, MANY groups are going)  and click to register.

2. Use your company email address when signing up.

3. The JP Morgan Chase Foundation will make a donation on behalf of all participants to their designated non-profit.

4. Registration is on a first-come-first-serve basis and often fills up prior to the official close date (8/1).

Sign up today! (race entry closes once capacity has been filled)


1. All walkers and runners are responsible for their individual registration fee of $50.

2.  All registrants will be receiving a JPMCCC shirt that they hand out the day of the event.

Alipay from Alibaba

China’s Alipay Comes to More Than 50 Guess Stores As the Payment Service’s U.S. Expansion Continues

Alipay, the China-based mobile and online payments service, has been active over the past year signing up U.S. merchants, and on Tuesday it announced its latest addition: apparel seller Guess? Inc., which will accept Alipay at more than 50 of its stores in New York City, Las Vegas, and California, all places heavily traveled by Chinese tourists. Guess operates more than 1,600 stores worldwide either directly or through licensees.

Alipay, a service offered by the giant Chinese conglomerate Alibaba Group Holding Ltd. and its Ant Financial Services Group, has been working in recent months to dramatically expand its availability in the United States as Chinese tourism here grows. An estimated 4 million Chinese citizens visit the United States each year. U.S. stores accepting Alipay now include GNC as well as high-end brands Rebecca Minkoff, Lacoste, and Tourneau, according to an Alipay spokesperson.

Pistahan Parade

The GRAND parade will be held on Saturday, August 11, 2018 at 11 am from the SF Civic Center, along Market towards 4th Street.

The festival is from Saturday, August 11 to Sunday, August 12, 2018 from 11AM to 5PM at SF Yerba Buena Gardens.


Experience the best of Filipino art, dance, music and food at the Pistahan Parade and Festival. Billed as the largest celebration of Filipino Americans in the U.S., the two-day event organized by the Filipino American Arts Exposition is expected to draw over 80,000 people over the weekend. Bring your entire family! Our ACBA members love this parade & enjoy many booths with food, fun, history, culture and joining in the music and dancing.

http://www.pistahan.net/   Sign Up To Join The Parade


Go To A Parade

This post from Leadstar got me thinking. At a time when they is MORE Animosity,

>>people are craving Hope and Community.

While we see the news, that continues to describe hate, violence, nasty politics, and something way past disregard and disdain,

>>I see social media posts hoping for Empowerment of Women, Equality and Love…

This post from Leadstar hit home. Go to a Parade. I have gone to many and walked in many. Next February I plan to walk in my fourth Lunar New Parade in SF.  Yes four times! Why? I love the understanding I share of a culture that is not my own, I support diversity, and the sheer colorful, exuberant drama of it all makes me happy. I am a part of a community. This is team building.  So try it. Go to a parade this July 4th. We have many Independence Day parades all over the SF Bay Area.

From Leadstar Leadership Moments.

It takes dozens of hours to put together a float.  It’s a pretty involved task:
• Coming up with a concept
• Buying supplies
• Coordinating schedules to construct the float
• Participating in the parade itself, which can be a several-hour event
• Deconstruction
And that is just one float.  Think of the hundreds that are currently being constructed for the 4th of July celebration this week.  Some might say: “Is it worth it?”  As a parade enthusiast, I’ll say “Undoubtedly!”

Floats are the centerpiece of what I love most about a 4th of July parade: Communities coming together in celebration.

I love how dedicated volunteers carefully create the experience, while families dust off their lawn chairs so they can wave their flags while observing whatever rolls down the street – marching bands, color guards, clown cars, horses, beauty queens, and – of course – floats.

I also love what happens around parades – young entrepreneurs set up lemonade stands, volunteer organizations share materials, interest groups ask you to sign petitions, politicians and candidates shake your hand, and restaurants put grills in front of their businesses so they can roast hot dogs and sell them for $2.  (I live in Northern Michigan … hot dogs might be pricier in your neck of the woods.)

There are very few events where communities can attract such diverse crowds, and when – together – people appear, well, happy!    We don’t focus on differences.  Rather, we focus on the event itself, designed purely for our joy.

My ask of you this 4th of July is pretty simple

– find a parade and go to one.  Or, in lieu of a parade, take time to participate in a community-based event. People need people – communities need engagement – and our country needs more people coming together to celebrate its Independence. 

By Angie Morgan, Lead Star Partner Angie Morgan is one of Lead Star’s founders and authors of SPARK.  She’ll be attending two parades this 4th of July – Cheboygan, and Petoskey in Michigan. (She’ll also be walking with her son’s school’s float in the Grand Royal Cherry Parade in Traverse City on Saturday.)    Read more articles by Angie >

Build your Team Spirit and Stamina with Recognition

Leadership Moments is published by a fantastic group LEAD STAR – they walk the talk.  They Lead, Train, and Discuss New Ideas, Leadership AND Best Practices.

When was the last time you prepared for a conversation?  My guess is that it was most likely a difficult one.  Are you just as intentional when planning a conversation focused on recognition or celebration?  In the book Cultivate, The Power of Winning Relationships, Morag Barrett describes this as an Applaud Conversation.  When we thank someone or celebrate success in an intentional way, it creates a lasting and meaningful memory.  Here are some tips to make your Applaud Conversations and celebrations even more impactful.

Go Beyond the Obvious

Our success is dependent on all of our critical stakeholders, not just the most obvious ones.  Peer-to-peer recognition and Applaud Conversations are some of the most powerful, in that they build stronger relationships and are often unexpected.  Other critical stakeholders might include the front desk receptionist or facilities team members at your office.  How surprised would they be if you intentionally thanked them for the work they do every day?

Next step: Plan for one Applaud Conversation this week with one of your critical stakeholders.

Be Spontaneous

Do something unexpected! It doesn’t have to be big or extravagant.  It simply needs to be genuine, timely and connected to a behavior you want to reward.  Write a hand-written thank you note.  Call a co-worker and thank them. Schedule a quick get together for your team (live or virtual) to celebrate a “win” that happened earlier in the day.  It is the spontaneous and unexpected moments in life that we tend to remember the most.

Next step: Brainstorm some “spontaneous” and/or creative ideas for recognition or celebration.  Keep this list on hand for quick reference.

Celebrate the Small Stuff

We can sometimes wait too long to celebrate (e.g. the end of a project, quarter end, year-end).  When work projects become daunting, small celebrations and recognition along the way will lighten the load.  This is extremely important in virtual relationships when it is more challenging to build trust and camaraderie among the team.  Incorporating recognition and praise into the everyday moments will reinforce team connections and build trust.

Next step: Plan an interim celebration for a meaningful project that is currently underway.

Be Intentional

What commitment will you make to have consistent Applaud Conversations?  You can incorporate this into regular staff meetings, quarterly and annual team sessions, or in your regularly scheduled 1-on-1s.  In our staff meetings, we each share what went well the past week.  Many times, this includes a “shout out” or thank you to another team member.  You can even put a reminder on your calendar to have regular Applaud Conversations. There is no shame in that! If we schedule it or write it down, we are more inclined to do it.

Next step: Change one small thing to make recognition and celebrating success part of your team culture.

Reference:   SPARK How to Lead Yourself and Others to Greater Success. Authors:  Angie Morgan, Courtney Lynch, and Sean Lynch.

Lead Star • PO Box 328 Fairfax VA 22308 • 800-381-7780 • leadstar.us   — Do you want this newsletter? Click here to subscribe!

Chinese online payments giant Ant Financial raises $14 billion for global expansion

VentureBeat has so many interesting articles, this one is true to form. Virtual payments are worth studying…. there are so many flavors and so many surprise$. Learn, train, be ready for this … it is more than a trend and more than just money in the clouds!

(Reuters) — Ant Financial Services Group, operator of China’s biggest online payment platform, on Friday said it raised around $14 billion in what market watchers called the biggest-ever single fundraising globally by a private company.


The cash will boost Ant’s firepower ahead of a widely expected initial public offering (IPO) in Hong Kong and mainland China as early as next year — though the company has neither publicly set a timetable nor chosen a likely stock exchange.

The exercise amounted to the largest confirmed single fundraising round in history, according to data provider Crunchbase.


Field Guide To Alternative Payments

10th Annual Field Guide to Alternative Payments

Digital Transactions  lists 37 entries this year, of which only three appeared in our original Guide nine years ago…

  • Amazon Pay
  • Apple Pay
  • Bitcoin and more.