“They don’t have the opportunity to cross-sell me.”The banks’ warnings, however, are off base.Federal banking rules known as Regulation E ( here) sharply limit customers' liability for unauthorized electronic transactions from their accounts, provided they report the fraud promptly.The rules say that customers’ negligence - such as writing a PIN on a debit card - does not increase their liability.A customer would be on the hook for unauthorized transactions if she gives her card or credentials “and grants authority to make transfers to a person (such as a family member or co-worker) who exceeds the authority given,” the rules say. Customers are fully liable for the transfers until they notify the financial institution that the person is no longer authorized to use the account.That is the passage that Chase and other banks point to when warning people they may be liable if they share credentials with a third party.But Lauren Saunders, associate director and managing attorney of the National Consumer Law Center, calls the banks’ position “ridiculous.” Sites such as Mint collect data about transactions but typically are not authorized to make transactions, said Saunders.“When you give Mint your bank password, you don’t give them permission to make transfers,” Saunders said.
Bank Website Requires Your Attention Error 108 In Quicken 2015 For Free Apps OnIntuit declined comment on the banks’ warnings, saying in a prepared statement: “Delivering secure and seamless connectivity is a shared priority across Mint and thousands of our financial institution partners.”It is worth pointing out that Mint has never had to announce a security breach - unlike Chase, which last year reported a cyber attack had compromised 83 million of its accounts.Making people reluctant to use account aggregators could just make them more vulnerable to fraud. Mint and other account aggregators can help people spot unauthorized transactions that might otherwise go unnoticed, said independent journalist and technology expert Bob Sullivan, author of “Stop Getting Ripped Off.”Rather than scaring people, the financial sites and banks should work together to create a common secure standard for sharing information - one that might involve app-specific passwords, Sullivan said. Wolters Kluwers expert solutions combine expertise with advanced technology. As a global provider of professional information, software solutions and services, our work at Wolters Kluwer helps to protect peoples health and prosperity and contribute to a safe and just society, while building better professionals in business.and identify appropriate mitigation measures, as required by NEPA. Careful attention should be given to how a wind turbine array is set against the.LOS ANGELES (Reuters) - Millions of people share their bank account passwords with third-party sites and apps that help them track their spending, but some of the biggest financial institutions, wary of hacking risks, are trying to scare people into not using them.Epson Nx230 Printer Driver For Mac Good Flv Video Player For Mac Microsoft Word For Mac 15.26 Restore Earlier Version Of Document Quicken Essentials For Mac To Quickbooks App Store Requires Payment Info For Free Apps On Mac Invalid Wareki Year When Trying To Update Accounts In Quicken For Mac 2015 Best Google Inbox App For MacIf the TD Bank representative is not familiar with Banktivity, ask them to enable your account for Direct Connect services for Quicken 2015 for Windows Banktivity and Quicken both use the same OFX protocol.JPMorgan Chase & Co and Capital One Financial Corp, for example, warn on their websites that customers could be liable for any fraud in their accounts - even though federal regulations say otherwise.Capital One's site ( here) tells users: "If you choose to share account access information with a third-party, Capital One is not liable for any resulting damages or losses."Chase ( here) admonishes, "If you give out your chase.com user ID and password, you are putting your money at risk."The warnings were enough to cause Morris Armstrong, a registered investment adviser and enrolled agent in Danbury, Connecticut, to recently close his account with Mint.com, a so-called aggregator website and a division of Intuit Inc.“People are hacking left and right.At the same time, this Dodge Ram campaign was based on a succession of lies, so it also provides lessons about what not to do.First, the campaign’s designers set up a website on which was posted a video of a drag race won by a Dodge Ram. Still, there are circumstances and ways in which you can boost profits by using hate messages to arouse love messages. Why? Well, the objective was to stimulate protestations of love for the truck.Reverse psychology is a risky strategy. Around ten years ago, Chrysler Group—the company selling the Dodge Ram truck—paid for a marketing campaign which included hate mail about Dodge Ram drivers. The letters carried the names of individuals, but had been written by the team.What this produced was a bold image for the Dodge Ram along with genuine, spontaneous statements of praise for the truck and its owners.Now consider a more honest, more recent way to go about it: Think Miracle Whip. In fact, though, it had been set up by the guerrilla marketing team.Next, the team starting sending letters to newspaper editors bemoaning the increase in drag racing and blaming Dodge Ram drivers for it. The impression from looking at the site was that it was designed by and intended for fans of the Dodge Ram. The website also included invitations to set up drag races. The Miracle Whip campaign works because the complaints are playful. When one of your customers complains, assess the agenda. Then judge if there are ways to profitably arouse those who love your store by flaunting extreme comments from those who say they hate you.A caution, though: Research at Case Western Reserve University points out that customers with complaints range from those who just want to have an “I’m sorry” up to activists who plan to go to the media or to government agencies. A current Miracle Whip marketing campaign urges consumers to take a stand, posting either their love (“…not fancy-dancy elite….”) or hate (“…spreadable disappointment….”) on YouTube and Facebook.Track what’s being said about you on the Internet. So let’s add some drama with a controversy. I’m talking about you judging tonight’s entry in the category of Best Adapted Retail Logo. Save some crystal ball gazing for the most important one of all. So don’t waste all your attention on those trivial categories for the Oscar, such as Best Picture, Best Sound Mixing, and Best Adapted Screenplay. Just keep in mind that we’re all retailing professionals here. Get ready to slouch on the couch and predict the winners. Still, changing your store logo is a delicate matter. Not at all stylishKeeping your store’s image up-to-date is essential, and your business logo is one clear projection of your store’s image. In the following days, plenty of critics said the Gap logo looked like something from a Microsoft clipart library. It also introduced a square box to complement the Helvetica font. A major change is that “jcp” appears in lowercase and in a solid-colored square.That box triggers a memory of the ill-fated logo change by Gap last fall. The new design, like the former one, uses red lettering and a Helvetica font. Microsoft word for mac similar productWhen Sun-Maid Growers of California decided to update their Sun-Maid Raisin girl logo, they used the new version in ads, but kept the older logo on product boxes. Based on what you learn, you might decide to unroll the introduction rather than do it all at once and everywhere. Find out how consumers are likely to react to the changes. About 200 ideas were submitted. JC Penny invited ideas not only from design agencies, but also from the company’s employees, the art school at University of Cincinnati, and the Rhode Island School of Design. The impetus for the development of SKU rationalization methodologies was the growing body of research evidence that each consumer tends to use an infinitesimal fraction of the numerous items available. You never want to offend your fans.“SKU rationalization” refers to a retailer regularly reviewing the inventory mix to rationally decide which items—referred to as Stock-Keeping Units—to add, which to retain, and which to eliminate. It was that Tropicana soon discovered the most vehement objections were coming from their most faithful customers. It wasn’t that the majority of shoppers liked the old image better. The new one was a glass of orange juice. The old one was a straw sticking into an orange. One source told the WSJ reporter of fears that if the retailer who supplies a faithful customer’s toothpaste deletes the fortress brand, there’s a measurable possibility the consumer will go elsewhere to look for it, and while there, buy the rest of the items on their shopping list. Brushing my teeth doesn't feel right unless the taste of the paste and the look and feel of the tube are familiar. These are the ones which win deep allegiance from the consumer by becoming highly integrated into daily rituals, even quite mundane routines. Consumers have fortress brands. Retailers can reduce inventory ordering and storage costs by stocking fewer different SKUs.But will those retailers still sell as much? From a shopper psychology perspective, the three biggest challenges with SKU rationalization are: They think they’ll want to make a change when, in fact, they’ll end up sticking with a favorite.Research findings from University of Navarra in Spain and University of California-Los Angeles indicate that one way to lessen these problems is to do SKU rationalization by pooling product images. People overestimate the extent to which they’ll get tired of the same types of cereals and sunglasses. Consumers want choice availability, even when they will select the identical option repeatedly. If a retailer offers only a limited selection, the shopper will strike out to find the trendy shop. Over the past years, shopper desires have been drifting from the general to the specific, from the one-size-fits-all to the specialty and the personalized. When deciding which measuring stick to use for the numbers, consider what fits your business ethics and how to best highlight selling points. Maintain pleasant eye contact in ways that are culturally appropriate, call customers by name when possible, and ask customers questions that include the word “you.”Switch Brand Selection with Shopper AnxietyThe way in which you state numbers to a shopper influences their purchase decisions. This works best when combined with personalizing the face-to-face selling. Those consumers presented the months figures saw the difference between the warranties as larger than did the consumers hearing the comparison in years. To another group, the identical duration was stated as 84 months compared to 108 months. To one group, the duration was stated as seven years compared to nine years. Researchers at Ghent University in Belgium and Tilburg University in the Netherlands asked consumers to compare the advantages of a seven-year warranty and a nine-year warranty. ![]()
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