Should Businesses Stop Accepting Cash?
by rapid! PayCard @ rapid! PayCard
Fri Aug 18 12:08:23 PDT 2017
Visa is paying out a jackpot to vendors willing to bet against old money, and roll the dice on cashless transactions. Visa will give $10,000 to 50 restaurants that pledge to go cashless. The new initiative, what Visa executive Jack Forestall calls “a journey to go cashless,” will incentivize vendors to rip off the bandaid of paper transactions and progress to a cashless system. The money can be used for marketing and updating point of sale technology to focus payment exclusively on credit and debit cards and electronic payment. Visa will select participating merchants in August. Cash remains the predominate method of payment, according to the Federal Reserve. A report... Read More
This Spring, Clear Mediocre Credit Cards Out of Your Wallet
by Gregory Karp @ NerdWallet
Mon Mar 26 08:00:11 PDT 2018
Spring is a great time to declutter a closet full of clothes, a garage full of boxes and your wallet full of inferior credit cards. The average credit card holder…
The Best (and Worst) Day Hike in New Zealand!
by Million Mile Secrets @ Million Mile Secrets
Mon Mar 26 09:00:48 PDT 2018
I’m inspired to travel when I hear other people share stories of their adventures. So here’s the next installment of our weekly series where the Million Mile Secrets team shares their travel successes (and failures) with you! Jason: If you enjoy spending time in the outdoors, you really should consider a visit to New Zealand. …
Continue reading "The Best (and Worst) Day Hike in New Zealand!"
Tips to Eliminate Debt in 2018
by Jacob Lumby, PhD @ Cash Cow Couple
Thu Feb 01 09:49:53 PST 2018
This is a collaboration between Cash Cow Couple and National Debt Relief, one of the country’s largest debt settlement companies. Vanessa and I entered marriage with more than $25,000 in combined student loan debt. At that time, we both fully committed ourselves to becoming debt-free. Eliminating our debt became our joint vision and our highest priority, …
Tips to Eliminate Debt in 2018Read More »
The post Tips to Eliminate Debt in 2018 appeared first on Cash Cow Couple.
Chase Sapphire Reserve
by mikeyxy2j @ FlyerTalk Forums
Tue Mar 27 18:27:15 PDT 2018
bump can anyone please answer?
3 Money Lessons We Can Learn From ‘Roseanne’
by Courtney Jespersen @ NerdWallet
Sun Mar 25 18:00:27 PDT 2018
On March 27, the Conner family is coming back to prime time, thanks to the revival of ABC’s “Roseanne.” The popular sitcom starring Roseanne Barr and John Goodman as husband…
For Delta Miles, the Best Limited-Time Card Offer Might Be the AMEX Starwood Card!
by Million Mile Secrets @ Million Mile Secrets
Mon Mar 26 14:00:04 PDT 2018
These 5 AMEX cards are currently offering their best-ever welcome bonuses: But these offers are only available for a limited time! The increased AMEX Starwood business card offer is available to folks who apply by March 28, 2018. And to earn a best-ever bonus with any of the limited-time AMEX Delta card offers, you must apply by April 11, …
American Express Serve Card Reviews | PaymentPop
PaymentPop
Overview The Serve card from American Express is a reloadable prepaid card that can be used like a conventional debit or credit card to pay in person or online. American Express Serve cards are prepaid, meaning that they do not transfer funds directly from an attached bank account or credit line. Instead, users must place …
Review of the Chase Ink Business Preferred Credit Card
by Brendan Harkness @ Credit Card Insider
Tue Mar 13 04:30:28 PDT 2018
The Chase Ink Business Preferred Card is designed for small business owners who travel at least a few times per year. It has a $95 annual fee, so you’ll want to use it enough each year to make that fee worth it. This card might be right for you if you spend a lot in […]
The post Review of the Chase Ink Business Preferred Credit Card appeared first on Credit Card Insider.
Amex Ups the Ante With Its Serve Prepaid Debit Card | Credit.com
Credit.com
American Express has upgraded its Serve prepaid debit card, nixing third-party fees for loading cash onto the card and offering a savings component.
Why You Don't Get Your Direct Deposit On Weekend | LRRCU
LRRCU
Frustrated because you don't receive your direct deposit on holidays and weekends? We're telling you the reasons why.
The Intemperate Tyrant Twins
by David Boles @ David Boles, Blogs
Thu Jul 06 10:41:18 PDT 2017
We live in a time of Intemperate Tyrants — and the levels of expectation they set for those who elected them — leads us straight…
Raise Gift Card Sale, Extra 5% Off Home Brands Today
by DDG @ Miles to Memories
Mon Mar 26 11:07:02 PDT 2018
Raise is offering an extra 5% off on select home brands gift cards when you use promo code MASCOT. One-time use. Offer expires 03/26/18 11:59 PM CST. Maximum savings of $15.
The post Raise Gift Card Sale, Extra 5% Off Home Brands Today appeared first on Miles to Memories.
Chase Sapphire Reserve
by mikeyxy2j @ FlyerTalk Forums
Tue Mar 27 18:27:15 PDT 2018
bump can anyone please answer?
Last Chance to Apply for Best-Ever AMEX Starwood Small Business 35,000-Point Offer!
by Million Mile Secrets @ Million Mile Secrets
Tue Mar 27 06:30:52 PDT 2018
If you’ve been waiting to apply for the increased 35,000 Starwood point offer on the Starwood Preferred Guest® Business Credit Card from American Express, time is running out! To earn the best-ever bonus, you must apply by March 28, 2018. These points can easily get you $1,000 worth of travel. And because of the Marriott – Starwood merger, we aren’t sure if these …
American Express Serve - Info & Reviews - Credit Card Insider
Credit Card Insider
The American Express Serve is a popular prepaid card (not a credit card). Is it worth getting? Read reviews here to find out!
Ria Money Transfer Offers Cash Pickup Service to American Express Serve® and Bluebird® Customers
GlobeNewswire News Room
Cash Pickup Service Offers Convenient Access to Cash From Serve and Bluebird Accounts at Over 4,500 Walmart Locations
5 Fun Ways to Get $1,000+ of Travel From the AMEX Delta Platinum Bonus
by Million Mile Secrets @ Million Mile Secrets
Tue Mar 27 01:00:09 PDT 2018
With the limited-time increased offer on the Platinum Delta SkyMiles® Credit Card from American Express (that ends April 11, 2018!), you can earn 70,000 Delta miles after meeting minimum spending requirements. The welcome bonus alone is worth $700 in travel when you redeem your miles using Delta’s Pay With Miles option. And even MORE if you use them for award tickets on Delta and …
Continue reading "5 Fun Ways to Get $1,000+ of Travel From the AMEX Delta Platinum Bonus"
BITCOIN
by Workmytaxes @ WorkMyTaxes
Mon Jan 29 04:52:18 PST 2018
Bitcoin is a crypto currency and worldwide payment system. It is the first decentralized digital currency, as the system works without a central bank or single administrator. The network is peer-to-peer and transactions take place between users directly, without an intermediary. Bitcoin is pseudonymous, meaning that funds are not tied to real-world entities but rather bitcoin addresses. Owners of bitcoin addresses are not explicitly identified, but...
Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision
by Liz Oliver @ LRRCU
Fri Oct 13 08:55:31 PDT 2017
Every day we’re faced with making decisions about our money. What feels like a smart money choice in the moment may have repercussions in the future. You might be tempted to save money on a purchase now only to have your credit score suffer. You might choose to delay payments on a big ticket item […]
The post Store Credit Cards, Balance Transfers & More: Make the Smart Money Decision appeared first on LRRCU.
It’s time payment systems caught up with the demands of the gig economy
by rapid! PayCard @ rapid! PayCard
Tue Feb 13 16:10:28 PST 2018
Is your payment system ready for the gig economy or are you just a big wannabe? According to a Forbes article, 35 percent of the workforce have a gig, and collectively they earned $1 trillion from ad hoc work last year. But, freelance workers, who have come to expect payment as instantaneous as their work, are turning their noses up at outdated companies that can’t keep up. If you’re still mailing checks, might as well be using the Pony Express as far as tech-savvy gig workers are concerned. We are on the precipice of a major sea change, and the traditional employment model is quickly becoming as outdated as the... Read More
Ria Money Transfer Offers Cash Pickup Service to American Express Serve® and Bluebird® Customers - The Ria Blog
The Ria Blog
February 9, 2016 - The Ria Blog - Cash Pickup Service Offers Convenient Access to Cash From Serve and Bluebird Accounts at Over 4,500 Walmart Locations DENVER, Feb. 08, 2016 (GLOBE NEWSWIRE) -- Ria Money Transfer ("Ria"), the third largest money transfer company in the world and subsidiary of Euronet Worldwide Inc. (NASDAQ:EEFT), is offering a new
FSU Credit Union Names New President/CEO
by Jessie Watson @ FSUCU.org
Fri Feb 16 07:44:22 PST 2018
The FSU Credit Union board of directors is pleased to announce Charles E. “Chuck” Adcock III will become the new FSU Credit Union President/Chief Executive Officer (CEO) effective April 2, 2018. Mr. Adcock has served as FSU Credit Union Executive Vice President (EVP) for the past 14 years. “We are excited to bring Chuck’s vision and […]
Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting
by Philip Taylor @ PT Money
Tue Jan 30 11:23:15 PST 2018
**This article contains sponsored advertising content. About IdentityWorksSM In 2016 alone, more than 15.4 million consumers in the United States were victims of identity theft with more than 16 billion dollars stolen. With online shopping and credit card usage skyrocketing, it is not surprising that identity theft hit an all time high in 2016. Recognizing […]
The post Experian IdentityWorksSM Review: [FREE TRIAL] ID Theft Protection Plus Credit Reporting appeared first on PT Money.
Mindfulness can enrich your life and sharpen your focus
by Roger Luke @ FSUCU.org
Wed Mar 14 07:23:05 PDT 2018
One thing at a time? “Not for me, thanks!” Does this sound like you? With gadgets that can seamlessly execute dozens of functions, it’s no wonder we spend our days multitasking as we flit from one chore to the next. Mindfulness is the basic human ability to be fully present, aware of where we are […]
Is the 3,000 AS bonus miles for Rocketmiles long-term?
by hightide @ FlyerTalk Forums
Tue Mar 27 19:12:24 PDT 2018
I found this: https://www.rocketmiles.com/mileage-plan-bonus?utm_campaign=alaska-direct-q12018-mileage-plan-bonus&utm_medium=partner-direct&utm_source=alaska It states that March 31, 2018 is the deadline to take advantage of the bonus. I'm...
Why every business should consider switching to electronic payroll
by rapid! PayCard @ rapid! PayCard
Thu Oct 05 05:37:57 PDT 2017
Due to advancements in technology, utilizing payroll checks is becoming an outdated form of payment. Automated payment through direct deposit saves time and money, enhances security1, 2 and can make payday easy for employers and employees. Yet, resistance to modern banking solutions like direct deposit and paycards prevent many businesses from progressing in the 21st century. Paycard technology is growing in popularity, and as the benefits of switching to electronic payroll compound, it becomes more difficult for businesses to avoid trying out alternative payment methods such as the rapid! PayCard. Still not convinced? Here are 3 reasons why paycheck holdouts are making the switch to a more convenient, modern, and... Read More
What Is a Good or a Bad Credit Score? Plus, 5 Tips to Boost Yours!
by Susan Wright @ UpgradedPoints.com
Thu Mar 15 20:11:52 PDT 2018
If you’re planning to apply for a loan anytime soon — or even if you just want to establish good credit — it’s important to know exactly where you stand in terms of your credit score. Having a good or... read more
The post What Is a Good or a Bad Credit Score? Plus, 5 Tips to Boost Yours! appeared first on UpgradedPoints.com.
rapid! PayCard Green Dot Announcement
by rapid! PayCard @ rapid! PayCard
Tue Jan 31 14:03:14 PST 2017
Green Dot to Acquire UniRush, LLC, Operating Company for RushCard and Rapid! PayCard Transaction Expected to Generate Significant Strategic and Financial Synergies PASADENA, Calif.–(BUSINESS WIRE)–Green Dot Corporation (NYSE:GDOT) today announced that it has entered into an agreement to acquire UniRush, LLC, and its operating businesses RushCard, a leading online direct-to-consumer general purpose reloadable prepaid card provider, and Rapid! PayCard, a leading corporate payroll card provider. The acquisition, which maps to “Step Five” of Green Dot’s “Six Step Plan” to enhance shareholder value, materially expands Green Dot’s scale with the addition of the RushCard and Rapid! PayCard installed customer bases, while establishing Green Dot as a formidable player in the growing... Read More
Reconstruing a Culture: A Reckoning for Retro TV
by David Boles @ David Boles, Blogs
Thu Jun 15 13:07:11 PDT 2017
There was a time in the monument of America — during the 1950s, 60s, 70s and 80s — when you could have a life, make…
Continue reading → Reconstruing a Culture: A Reckoning for Retro TV
American Express Serve Card | Million Mile Secrets
Million Mile Secrets
Everything you wanted to know about American Express Serve but were afraid to ask! :)
Amex Serve - What It's All About Maverick BankCard
Maverick BankCard
Here is a post that is all about Amex Serve & how you can use it for your business. There was a time when prepaid debit cards were seen as, well, somewhat sleazy.
It’s Tax Season – How To Avoid Getting Scammed
by S V @ The Ria Blog
Wed Mar 14 09:16:32 PDT 2018
Tax seasons is one time of the year when people tend to think a lot about identity theft and the
The post It’s Tax Season – How To Avoid Getting Scammed appeared first on The Ria Blog.
Reader Question: “Should I Keep Both the Personal and Small Business Version of the AMEX Starwood Card?”
by Million Mile Secrets @ Million Mile Secrets
Sun Mar 25 09:00:18 PDT 2018
Deciding which cards to keep and which cards to cancel is an important piece of your credit card strategy. And figuring out what works best for your particular situation can be tricky! Million Mile Secrets reader Will commented: “I’ve had the Starwood Preferred Guest® Credit Card from American Express card for some time now. And I recently …
What Makes You A High Risk Merchant?
by Maverick @ Maverick BankCard
Thu Feb 08 00:00:04 PST 2018
You can be considered a high risk merchant for any number of reasons, but what it really comes down to is that you are at a risk for higher than average chargeback rates. Sometimes this is probably the case, as in, say, online casinos. Other times it may, arguably, be more of a stigma attached to a...
The post What Makes You A High Risk Merchant? appeared first on Maverick BankCard.
American Express Serve Review: More Choices, Fewer Fees - NerdWallet
NerdWallet
American Express Serve Prepaid Debit CardNerdWallet’s rating 4.5/5.0: The American Express Serve prepaid debit card offers helpful features without hidden fees. There are three different versions of the Serve prepaid…
FSU Credit Union supports Tyler Biggins Foundation with donation
by Roger Luke @ FSUCU.org
Tue Mar 27 07:48:55 PDT 2018
FSU Credit Union showed its support for the Tyler Biggins Foundation and their mission with a donation of $2,940 on March 24 at their annual basketball tournament. Members who took out an auto loan in February made a direct impact on the Tyler Biggins Foundation with a $10 donation toward our Borrow 4 Less – […]
American Express Serve Review: More Travel Rewards
Cash Cow Couple
You can load the Serve card up to $1,000 per month with a credit card without fees. This can be used to earn free travel rewards on credit cards.
Direct Deposits and Serve - frugalhack.me
frugalhack.me
Disclaimer: This website is monetized by ads and other affiliates. As such, this article may contain affiliate links. If you decide to use them, you can sleep easier knowing you're helping me give my cats a better life. :) I really appreciate your support! Serve and Bluebird are both offering a free $50 credit when …
Your Guide to Direct Deposit During the Holidays
by rapid! PayCard @ rapid! PayCard
Thu Nov 16 05:07:27 PST 2017
The holiday season is around the corner, which for some means eggnog and lights on display, but for others it means payroll delays. Automated payment through direct deposit is proven to be more efficient, secure and cost-effective than paper checks. Still, there are a few considerations to keep in mind when switching over to electronic payment — especially around the holidays. The holiday season is a double-edged sword: it’s likely the most expensive time of the year, but is also full of banking holidays which can affect the timeliness of direct deposit. Here’s why. What is the ACH and why does it matter? The Automated Clearing House is an electronic... Read More
Have you Received your Health Insurance 1095 forms?
by Workmytaxes @ WorkMyTaxes
Mon Sep 12 09:24:55 PDT 2016
Starting early in 2016, you may receive one or more forms relating to the health care coverage you had during the 2015 year. The Affordable Care Act requires nearly all Americans to have health insurance. This form serves as proof to the IRS that you had coverage. There are three versions of the 1095...
Changing The Direction Of Debt Collection
by PYMNTS @ PYMNTS.com
Tue Mar 27 10:45:42 PDT 2018
Debt collectors are historically an unpopular group of people. Even the Bible has shade to throw their way. (Debt collectors, Biblically speaking, share a category with adulterers, swindlers and the unjust.) Part of that is the nature of the beast. Spending money is a good deal of fun. Repaying money is not. No one wants to […]
Why We Own the Misery of Erin Moran
by David Boles @ David Boles, Blogs
Mon Apr 24 09:09:09 PDT 2017
The untimely death of child actress Erin Moran over the weekend — at age 56, her body was discovered in an Indiana trailer park —…
The Canny and the Dead Canary
by David Boles @ David Boles, Blogs
Thu May 11 07:32:28 PDT 2017
We live in perilous times. Those sworn to protect us, betray us. Those set apart to foment dissent are too frightened to stand against the tide…
SCU to offer assistance for those affected by a government shutdown
by Lori Holmes @ Service Credit Union
Sat Jan 20 05:00:06 PST 2018
Service Credit Union is committed to helping its members who are affected during the government shutdown. For those with direct deposit, Service Credit Union will post credits to members based on the postings nearest to January 1, 2018. The credit of that amount will take place on or before February 1, 2018. This will apply […]
Amex Serve Tax Refund Bonus - Get $20 Free!
Miles to Memories
A new Amex Serve Tax Refund bonus has been emailed out to targeted cardholders. Serve is offering a $20 bonus for having your tax refund...
Value Clinics
by tgraft @ State of Utah Employee Gateway
Mon Sep 11 14:33:10 PDT 2017
VALUE CLINICS PEHP is offering medical and dental value clinics to save you and your family time and money. STAR plan members receive a 25% discount Traditional plan members pay a $10 co-pay Click here for a complete list of […]
Green Dot And Serve Competition Heats Up, With Walmart Right In The Middle | PYMNTS.com
PYMNTS.com
Thus far, it appears, American Express’ Serve hasn’t put much of a dent in Green Dot’s performance, but the prepaid market appears ripe for a good ole fashioned feud between the two companies. Although pricing has yet to play out, Amex’s low-cost proposition and free money-management tools may eventually push Green Dot to make changes. For now, however, Green Dot appears poised to compete based on its own pricing, reputation and product differentiation.
7 Best Reloadable Credit Cards Online (2018)
CardRates.com
Credit cards are a convenient and effective way to pay for all sorts of goods or services without having to carry cash. Nothing’s easier than pulling out that little piece of plastic when it comes time to settle the bill. However, credit cards can also cause problems if you don’t carefully monitor your spending and …
Amex Serve – What It’s All About
by Maverick @ Maverick BankCard
Tue Jan 16 00:00:31 PST 2018
There was a time when prepaid debit cards were seen as, well, somewhat sleazy. They were often accused of using predatory marketing practices, charging outrageous fees and targeting poor and working-class people who didn’t have the financial flexibility to get a real credit card or a bank account. The industry has changed a bit...
The post Amex Serve – What It’s All About appeared first on Maverick BankCard.
Great Money Resolutions for the New Year
by Carolyn Pittman @ Service Credit Union
Wed Dec 27 08:00:39 PST 2017
It’s that time of year again, recovering from the indulgences of the holidays, looking over the past year, breaking out the new calendar, and planning to do better in all aspects of life in the coming year. One of the most popular resolutions is to be better with money. The challenge, of course, is sticking […]
Wikipedia Deleted My Page!
by David Boles @ David Boles, Blogs
Wed Sep 06 09:48:06 PDT 2017
Longtime readers of this — David Boles, Blogs — publication machine know I have always held a deep-rooted hatred of Wikipedia because of its provocative, and…
![American Express Serve® Card - 2018 Review [In Depth]](https://4brf13430svm3bnu053zbxvg-wpengine.netdna-ssl.com/wp-content/uploads/2017/01/art-card-available-v2.png)
American Express Serve® Card - 2018 Review [In Depth]
UpgradedPoints.com
The American Express Serve Card comes in three different versions, and all allow you to direct deposit money onto the card to spend and withdraw for free!
Can you unplug? Take the Timeout Challenge!
by Roger Luke @ FSUCU.org
Wed Mar 21 11:05:10 PDT 2018
We’re so attached to our technology, it often seems like we’ve grown a third arm! Phones are incredibly addictive, and so are Facebook, Twitter and other social media. When we’re busy checking out the latest post or tweet, we miss out on real-life moments that can never be recaptured. Take the “Timeout Challenge” for the […]
The Single Parent’s Guide to Life Insurance
by Barbara Marquand @ NerdWallet
Thu Mar 22 17:39:02 PDT 2018
Even though it might be hard sometimes to picture your young children as independent adults, you hope to live long enough to see that day. Life insurance provides a financial…
FSU Credit Union Leadership Nominees
by Jessie Watson @ FSUCU.org
Tue Mar 27 08:13:20 PDT 2018
FSU Credit Union, a member-owned financial institution, is managed and lead by its Board of Directors. In addition, a volunteer Supervisory Committee is responsible for ensuring that the credit union’s Board of Directors and leadership engage in practices and procedures to properly safeguard members’ assets. The FSU Credit Union Nominating Committee has officially nominated Frank […]
New Amex Offer, Save $20 When You Spend $100 at J. Crew
by DDG @ Miles to Memories
Mon Mar 26 14:08:47 PDT 2018
Get a one-time $20 statement credit by using your enrolled Card to spend a minimum of $100+ in one or more transactions in-store at J. Crew or online at Jcrew.com by 6/18/2018.
The post New Amex Offer, Save $20 When You Spend $100 at J. Crew appeared first on Miles to Memories.
Schedule a Check-up for Your Financial Life
by rapid! PayCard @ rapid! PayCard
Fri May 05 09:13:33 PDT 2017
Most of us are diligent about maintaining the various aspects of our life. We swap out the batteries on our smoke detectors with regularity; we schedule annual physicals, and get our car’s oil changed based on the manufacturer’s mileage recommendation. Still, many of us tend to take better care of our cars than we do our financial life. The irony being, an un-tended financial life can break down just as assuredly as an under-serviced automobile. It can run out of gas, but it can also seize up and need a roadside tow. In short, a well-examined financial life is worth exploring. 1. Schedule. Set a recurring point in time for... Read More
Service Credit Union named top CU Direct auto lender
by Lori Holmes @ Service Credit Union
Fri Feb 23 08:19:49 PST 2018
Service Credit Union (SCU) was named the top auto lender in the New England/New York region and 10th nationally for 2017 by CU Direct. CU Direct works with auto dealers and credit unions throughout the U.S. to streamline the auto buying process. Last year, the credit union funded more than 21,000 auto loans at approximately […]
Is the 3,000 AS bonus miles for Rocketmiles long-term?
by hightide @ FlyerTalk Forums
Tue Mar 27 19:12:24 PDT 2018
I found this: https://www.rocketmiles.com/mileage-plan-bonus?utm_campaign=alaska-direct-q12018-mileage-plan-bonus&utm_medium=partner-direct&utm_source=alaska It states that March 31, 2018 is the deadline to take advantage of the bonus. I'm...
American Express Serve Review | A Prepaid Card with Amex Benefits
The Dough Roller
The American Express Serve card offers a low fee prepaid debit card with all the benefits Amex has to offer. Here's our detailed review.
Service Credit Union donates to the N.H. Food Bank
by Lori Holmes @ Service Credit Union
Fri Dec 22 08:49:58 PST 2017
Service Credit Union donated $10,000 and 1,326 pounds of food to the New Hampshire Food Bank, a program of Catholic Charites NH, in order to help the citizens of New Hampshire. Service Credit Union President/CEO David Van Rossum recently presented the check to New Hampshire Food Bank Executive Director Eileen Groll Liponis to help keep […]
Raise Gift Card Sale, Extra 5% Off Beauty Brands Today
by DDG @ Miles to Memories
Tue Mar 27 10:07:00 PDT 2018
Raise is offering an extra 5% off on select beauty brands gift cards when you use promo code DUNK. One-time use. Offer expires 03/27/18 11:59 PM CST. Maximum savings of $15.
The post Raise Gift Card Sale, Extra 5% Off Beauty Brands Today appeared first on Miles to Memories.