A Look at Federal, State, and Local Minimum Wages

by Mike Kappel @ Payroll Tips, Training, and News

Wed Mar 21 05:30:00 PDT 2018

You can’t just pay your employees any amount you want. You must follow federal, state, and local laws that set minimum wages. What is minimum wage? Minimum wage is the lowest amount you can pay an employee per hour of work. You can pay more than the minimum wage, but you should never pay less […]

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Chinese tourists want to use mobile payments

by Alex Rolfe @ Payments Cards & Mobile

Wed Mar 21 00:21:20 PDT 2018

Nearly all Chinese travellers (91%) would be more willing to shop and spend at overseas merchants that accepted Chinese mobile payments, according to a new Nielsen report, jointly released by Nielsen and Alipay, which found that 93% of Chinese tourists would use mobile payment overseas if given the option. The findings, revealed in a new Outbound Chinese [...]

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Answers to 18 Payroll Questions You Are Dying to Ask

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 05 05:10:18 PST 2018

For some business owners, running payroll might be like learning a foreign language. You are a master of your business idea, not the administrative responsibilities that come with it. Because you might not be familiar with these responsibilities, you might have some payroll questions. Payroll questions and answers When you become an employer, you need […]

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How to Calculate a Raise

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 14 05:10:09 PDT 2018

Employees have money on their minds. According to a Gallup poll, 59% of employees were not completely satisfied with their current pay. And, one SHRM survey found that 44% of respondents said they would leave their job to make more money elsewhere. To avoid losing their top employees, many businesses offer pay raises. Learn why employee […]

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Ex-BHS chief Sir Philip Green ‘could KEEP his knighthood’… despite pensions scandal

by crichards @ The Sun

Tue Mar 27 15:45:39 PDT 2018

SIR Philip Green is likely to keep his title after officials declared he will not face a ban on being a director following the BHS collapse and subsequent pensions scandal. The decision not to ban Green means that he will in all likelihood keep his knighthood that Tony Blair recommended him for. The Insolvency Service […]

The most Memo-rable stories 2015-18

by Kitty Knowles @ The Memo

Mon Feb 12 03:33:11 PST 2018

Given our big news, we thought it only fitting to crack-open The Memo’s archives and pull out some of our favourite stories and themes. From some 3,500 articles over three years, there’s a wealth of inspiration to choose from. Read more: The Memo has joined Forbes  Here are our most Memo-rable stories 2015-18: The super-commuter. Cycling is […]

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The battle against synthetic identity fraud

by Alex Rolfe @ Payments Cards & Mobile

Fri Mar 16 09:13:50 PDT 2018

In the 1982 sci-fi movie Blade Runner, Harrison Ford played Deckard, an ex-detective tasked to track down replicants — robots who were so lifelike that it was almost impossible to tell man from machine. In the coming years, bankers will need the equivalent of Deckards on their staffs as they deal with one of the most serious problems [...]

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Consult This Employee Termination Checklist to Keep Things Running Smoothly

by Rachel Gray @ Payroll Tips, Training, and News

Wed Mar 07 05:10:00 PST 2018

Employees leave companies every day to pursue growth opportunities, accommodate personal lives, or experience change. As an employer, you hope employees won’t leave your business, but you know this is wishful thinking. When an employee resigns, you need to know what to do. The average annual overall turnover rate is 19%, according to SHRM. If […]

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Stubborn duo stage 50 minute sit-down protest in front of bus in row over who had right of way

by Jon Rogers @ The Sun

Tue Mar 27 16:55:36 PDT 2018

A “MOTHER and son” sat blocking an entire road for nearly an hour in a petty dispute with a bus driver over who had right of way. The man and woman blocked the road in both directions today after coming up against an equally resilient bus driver. The street in Penicuik, Midlothian, had become narrower […]

Chip and PIN cards remain consumers’ first choice for payments over contactless

by Alex Rolfe @ Payments Cards & Mobile

Tue Mar 20 04:35:19 PDT 2018

Online research from Equifax, shows that using a debit or credit card with a PIN number is still the preferred method of payment for 42% of people in the UK. Contactless methods followed at 34%, with the vast majority of these respondents (31%) preferring a contactless card to using their phone or wearable technology (3%). [...]

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What is transaction laundering and what is the Industry doing about it?

by Alex Rolfe @ Payments Cards & Mobile

Thu Mar 15 13:21:11 PDT 2018

Transaction laundering has quickly evolved into one of the payment industry’s most prominent and most difficult problems. Transaction laundering — also previously known as “undisclosed aggregation” or “factoring” — occurs when a merchant processes unknown transactions on behalf of another business. This hidden business is often engaged in prohibited activities, and the “front” merchant may [...]

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Mexico vs Croatia LIVE SCORE: Latest updates from the friendly international in Texas

by Samuel Street @ The Sun

Tue Mar 27 18:08:23 PDT 2018

CROATIA take on Mexico for the first time since the 3-1 defeat that sent them out of the World Cup four years ago. The Balkan nation have won two and lost two against the Mexicans but were, crucially, beaten in both their World Cup meetings.

Let’s jet together to fix private air travel…

by Clive Jackson @ The Memo

Fri Feb 09 04:00:39 PST 2018

Editor’s Note: Clive Jackson is Founder-CEO of Alyssum Group – owner of leading private jet charter marketplace Victor. He’s also one of The Memo’s Influencers, a group of industry experts sharing their views. I’ve been asked a few times already this year – where do I see private aviation heading in 2018? It’s an apt question, because […]

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What You Need to Know About a Qualifying Life Event

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 12 05:10:40 PDT 2018

Employees have a window of time each year to sign up for certain types of employer-sponsored insurance. Although this open enrollment period takes place at the end of each year for all employees, an employee can add or remove coverage at any time of the year if they have a qualifying life event. What is […]

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Amazon merchants sales: 25% are cross-border e-commerce transactions

by Alex Rolfe @ Payments Cards & Mobile

Fri Mar 23 05:13:14 PDT 2018

Amazon is making a cross-border e-commerce transactions push for merchants on its website to sell goods into other countries, setting the stage for greater competition with rival marketplaces run by eBay and potentially Alibaba. More than a quarter of all revenue for sellers on Amazon globally was from cross-border e-commerce transactions in 2017, up more [...]

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What Does Pay Frequency Mean?

by Michele Bossart @ Payroll Tips, Training, and News

Wed Feb 21 05:10:38 PST 2018

When you have employees, you need to run payroll so they can receive their wages. Before paying employees, you need to decide on a pay frequency. Your industry, the number of employees you have working for you, the type of workers you have, and legal requirements determine your pay frequency. But first, what does pay […]

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The Open Banking API’s are coming – Report from Sibos

by Alex Rolfe @ Payments Cards & Mobile

Fri Mar 16 09:26:25 PDT 2018

There can be little doubt after this year’s Sibos that digital disruption drives new ecosystems, marketplaces and businesses; thus, changing the game for how banks connect to their clients and how banks run their businesses – Open banking and APIs are coming, and it is time for banks to reinvent their business models and embrace [...]

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England boss Gareth Southgate fumes over VAR penalty as Three Lions are denied Wembley win

by supal @ The Sun

Tue Mar 27 16:08:00 PDT 2018

FUMING Gareth Southgate slammed VAR after England conceded their first goal in over TEN hours. Italy were gifted a late penalty at Wembley when German referee Deniz Aytekin controversially overturned his decision to award a corner. Aytekin changed his mind after Azzurri players urged him to consult his pitchside TV monitor — where he saw […]

The Memo has joined Forbes

by Alex Wood @ The Memo

Mon Feb 12 02:00:12 PST 2018

Dear Reader, It’s my pleasure to share with you some exciting news about The Memo. We launched in April 2015 with the mission to make the future more human. Since then we have broken stories that have made international news and caught the attention of the world’s media with countless industry awards. Today, we are […]

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What banks don’t get about the Open Banking API economy

by Opinion Piece @ Payments Cards & Mobile

Tue Mar 20 04:45:05 PDT 2018

The Open Banking ecosystem can learn a lot from the smartphone operating system (OS) market. In particular, banks that are developing APIs in a bid to control the new ecosystem should ask themselves this: Why did the mobile operating systems of Nokia, Bada, Symbian and Blackberry (among others), fail? Like most high growth markets, the mobile [...]

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Check out is a thing of the past – PayPal CEO

by Alex Rolfe @ Payments Cards & Mobile

Thu Mar 15 07:00:42 PDT 2018

Dan Schulman, PayPal CEO has said that mobile is going to “fundamentally redefine” the retail industry and change the way consumers think about the Check out. “Already, it’s starting to do that. It is blurring the distinction between online and offline. People used to think about e-commerce and in-store. Mobile erases those boundaries,” Schulman said at [...]

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Linkey: Buy your Valentine a gift that helps the homeless

by Kitty Knowles @ The Memo

Fri Feb 09 03:17:09 PST 2018

Sick of wasting money on tacky Valentine’s Day gifts? Let’s be honest, no one actually like those naff cards or edible undies. Fortunately, this year, you can buy your beau a present that spreads the love in a more meaningful way. Use Linkey to help a homeless person feel the dignity we all deserve. The […]

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Theresa May warns Vladimir Putin that Britain is steeled to combat Russia’s ‘hybrid’ warfare

by Sun Internet 2 @ The Sun

Tue Mar 27 14:30:31 PDT 2018

THERESA May will warn Vladimir Putin that she is mobilising “every capability at our disposal” to fight back against Russia’s hybrid warfare. The PM unveils a new national security strategy to tackle the Kremlin’s multiple 21st Century threats,  and fake news to bomber jets’ dry runs. For the first time, security chiefs will be able […]

A city in California is considering launching its own cryptocurrency

by Oliver Smith @ The Memo

Thu Feb 08 04:17:23 PST 2018

Local government funding is a tough gig. In Britain, dozens of local councils are running up huge budget deficits, while some cities are taking Silicon Valley handouts to try and reduce poverty. Now the US city of Berkeley is considering launching its own cryptocurrency, as a way for residents to invest in their local community […]

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What the heck is… the Google Waymo vs Uber lawsuit

by Oliver Smith @ The Memo

Thu Feb 08 23:30:35 PST 2018

Our weekly series What The Heck Is… exists to shed light on the strange unexplained acronyms and unfamiliar buzzwords that creep into our everyday lives. From centaur teams to Singles’ Day we’re on a mission to explain the difficult to explain. Today, we’re looking at a fierce battle raging right now in US courts – […]

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Should You Offer a Nonqualified Deferred Compensation Plan?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Mar 26 05:10:00 PDT 2018

You know employees like employer-sponsored benefits. As an employer, offering benefits is advantageous for your business, too. A nonqualified deferred compensation plan is one type of benefit that both you and your employees can enjoy. Find out what a nonqualified deferred compensation plan is, why you might consider offering it, and how to set it […]

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Ordering online blooms this Valentine’s? Think again

by Oliver Smith @ The Memo

Fri Feb 09 03:20:42 PST 2018

It’s the most loved-up time of the year but, if you’re hoping to truly impress the most important person in your life, maybe avoid ordering online. While online flowers from the likes of Bloom & Wild and Moonpig have ‘blossomed’ in recent years, according to consumer group Which?, these online players were found to be […]

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Wellcome Book Prize: 5 brilliant books about life & death

by Kitty Knowles @ The Memo

Thu Feb 08 23:30:27 PST 2018

We all want to live longer. But surely that only applies if we can also live better? Fortunately, this year’s longlist for the Wellcome Book Prize includes a number of fantastic titles about life and death – fighting illness, and future healthcare. Whether you love novels, memoirs, or stirring non-fiction, lose yourself in one of our five picks… 1) To Be […]

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Correcting Employment Taxes: What to Do If You Withhold the Wrong Amount

by Rachel Gray @ Payroll Tips, Training, and News

Wed Feb 28 05:10:52 PST 2018

It’s easy to make mistakes, especially when you have a million and one things on your plate. One error you could make is deducting the wrong amount from employee wages. Correcting employment taxes is necessary if you withhold too much or too little from your employees’ paychecks. This article provides an overview of employment taxes […]

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Should you ditch your bank and invest in a lend-to-save instead?

by Dana @ Banking Guide

Tue Apr 30 07:53:45 PDT 2013

Officially known as peer-to-peer lending, lend-to-save cuts out the banks and allows investors to lend directly to borrowers. The benefits...

Billionaire heiress Chloe Green ‘pregnant with Hot Felon Jeremy Meeks’ baby’

by cgreenwood @ The Sun

Tue Mar 27 17:03:40 PDT 2018

BILLIONAIRE Chloe Green is reportedly pregnant with boyfriend Jeremy Meek’s baby. According to US Weekly, the Topshop heiress, 27, is expecting her first child with the 34-year-old male model, nicknamed the “Hot Felon”. While the pregnancy is Chloe’s first, Jeremy has a son with his estranged wife Melissa, and two step-children. Representatives for the couple […]

Belgium 4 Saudi Arabia 0: Romelu Lukaku, Michy Batshuayi and Kevin De Bruyne on the scoresheet in easy win

by achapman @ The Sun

Tue Mar 27 14:49:41 PDT 2018

ROMELU LUKAKU extended his incredible scoring streak to send a World Cup warning to England. The big Belgian bullied the Saudi Arabia backline with a first-half brace in Brussels. And it means Lukaku has now netted ten goals in his last six international games – form which should worry Gareth Southgate’s side ahead of their […]

We could soon be able to pay in a cheque using our mobile phone

by Dana @ Banking Guide

Fri Jul 05 07:56:47 PDT 2013

The use of cheques has declined in recent years but, for those of us who do receive cheques, it is...

World’s first multi cryptocurrency instant-messaging payments system

by Alex Rolfe @ Payments Cards & Mobile

Fri Mar 23 07:12:50 PDT 2018

TransCrypt is using Telegram as a base to launch a new universal cryptocurrency payment system that acts within the interface of popular messaging platforms, allowing users to send or receive payments via message in all major cryptocurrencies. With TransCrypt, users can carry out cryptocurrency transactions, convert currencies, purchase tokens and pay for services on all [...]

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Real-time payments to drive revenue growth according to ASEAN benchmark data report

by Alex Rolfe @ Payments Cards & Mobile

Fri Mar 23 08:47:10 PDT 2018

ASEAN financial institutions are focusing increasing investment on payments modernisation, with real-time payments capabilities serving as the first step to digital transformation across consumer and corporate services, per new benchmark data, “2018 ASEAN Payments Insight Survey: Real-Time Payments Modernisation and Innovation,” from ACI Worldwide and Ovum. ASEAN member states, driven by market forces and developments in [...]

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Peru vs Iceland: Live stream, TV channel, team news and kick-off time for friendly international at the Red Bull Arena

by Samuel Street @ The Sun

Tue Mar 27 18:13:40 PDT 2018

THERE can be few teams in this summer’s World Cup as eager for the tournament to get underway as Peru and Iceland. The Peruvians have qualified for the first time since 1982 after beating New Zealand 2-0 in a play-off in Lima. And Iceland followed up their outstanding Euro 2016 by reaching their first ever […]

Awesome time-tracking app transforms life for kids with autism

by Kitty Knowles @ The Memo

Fri Feb 09 03:57:38 PST 2018

Caring for a child with a learning disability can feel tough. Conditions like autism or ADHD, in particular, can make even the simplest of daily tasks a challenge. Now though, Canadian software developer Pierre Séguin has created an app to help make life for kids – and their families – less stressful and more fun. […]

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Will the Courts Accept a Jury Duty Excuse Letter If You’re in a Pinch?

by Rachel Gray @ Payroll Tips, Training, and News

Mon Mar 19 05:10:23 PDT 2018

Sometimes, you or your employees’ personal responsibilities conflict with your business. For many small businesses, if you miss work or lose an employee for an extended period of time, there can be harmful effects on productivity in the workplace. But if you or an employee are called in for jury duty, you might not have […]

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The big Boss It Like alumni list

by Oliver Smith @ The Memo

Mon Feb 12 03:38:59 PST 2018

Over three years at The Memo, our weekly Boss It Like profiles have become one of our most popular series. It’s no surprise: who doesn’t want to find out how the world’s top business leaders and entrepreneurs manage to get so much done? Whether it’s the apps they use or the time they wake up, […]

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What Is an FEIN?

by Mike Kappel @ Payroll Tips, Training, and News

Mon Feb 26 05:10:00 PST 2018

When you run a business, you must meet many IRS requirements. You might need an FEIN to identify your business on documents like payroll tax forms. What does FEIN mean? What is an FEIN? FEIN is an acronym for Federal Employer Identification Number, also known as an EIN. This unique, nine-digit number is used by […]

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Historic moment Kim Jong-un shakes hands with China’s ironman Xi Jinping on groundbreaking visit to China

by jcox @ The Sun

Tue Mar 27 16:48:42 PDT 2018

THIS is the historic moment Kim Jong-un shook hands with China’s ironman president Xi Jinping. Bejing officials confirmed the chubby leader visited for four days – his first foreign trip since taking power in 2011. The North Korean tyrant arrived in Beijing in an specially armoured train on an ‘unofficial visit’ to meet Chinese leader Xi Jinping. He stayed from Sunday to […]

Anthony Crolla v Edson Ramirez: Start time, TV channel and live stream for Joshua vs Parker undercard fight

by jsheridan @ The Sun

Tue Mar 27 17:36:03 PDT 2018

ANTHONY CROLLA is back in the ring as he looks to mount another world title challenge. ‘Million Dollar’ saw off Ricky Burns in an epic bout that went the distance in October and still harbours hopes of reclaiming his WBA crown. To set up that fight he must first overcome Edson Ramirez in Cardiff, with […]