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need to know
IRS says identity thieves breached its systems
Pope Francis to stand with Mexican migrants
Disney's ESPN woes undercut 'Star Wars' gain
U.S. stocks end flat as oil continues to slide
SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
What to expect from Whole Foods earnings

Japan stocks fall to lowest level since 2014
Abe defends Bank of Japan chief

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

Is it wise to hold onto cash reserves?

Election year could be painful on Wall Street

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?
/conga/frontpage.html 367536

Markets »

127.74MDow Volume:
Avg Vol: 130.29M
Unchanged
156
Decliners
4273
Advancers
2073
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,077 -7 0.35%
Gold
/quotes/zigman/33772884/delayed 1,189 -10 0.81%
Oil
/quotes/zigman/2260836/delayed 28.55 +0.61 2.18%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,451 -20 0.79%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,807 -214 0.89%
Singapore
/quotes/zigman/1709939/delayed 2,581 -42 1.60%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.10%
Yen
/quotes/zigman/16008150/realtime/sampled 114.94 -0.18 0.16%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 0.00 0.05%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.21%
DXY Index
/quotes/zigman/1652083/delayed 96.10 +0.05 0.05%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.23 -0.05 0.06%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 +0.00 0.14%
German 10y
/quotes/zigman/15866409/realtime 0.25 +0.01 4.15%
Italy 10yr
/quotes/zigman/15866497/realtime 1.61 -0.08 4.46%
Spain 10yr
/quotes/zigman/15866444/realtime 1.68 -0.10 5.81%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 160.79%
Crude Oil
/quotes/zigman/2260836/delayed 29 +1 2.18%
Gold
/quotes/zigman/33772884/delayed 1,189 -10 0.81%
Corn
/quotes/zigman/25518691/delayed 361 -1 0.14%
DJIA F
/quotes/zigman/48241424/delayed 15,983 +24 0.15%
S&P F
/quotes/zigman/43106711/delayed 1,853 +4 0.23%
Silver
/quotes/zigman/32655632/delayed 15 0 1.35%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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Community Banks Not Ruling Out Debit-Card Fees

istockphoto
Community banks and credit unions may also soon impose debit card fees.

Consumers looking to switch to small community banks and credit unions to escape the newly imposed debit-card fees may want to think twice. While smaller institutions are technically exempt from the new federal regulations which prompted Bank of America and others to impose the charges, industry experts say that might not last for long.

“The smaller institutions have not had to yet – ‘yet’ is the operative word,” says Jason Kratovil, a vice president at the Independent Community Bankers of America.

Even though the new debit-card rules that went into effect on Oct. 1, which lower the fees retailers pay banks when customers shop with their debit cards, apply to banks that have at least $10 billion in assets, smaller banks could be forced to follow suit. Community banks and credit unions say they worry that they too could start receiving less in debit card swipe fees.

The reasoning is complicated, but here’s how it breaks down: Major debit card processors, like MasterCard and Visa, have said they will institute a two-tier system – one for the larger banks that will be receiving less in swipe fees and another tier for smaller institutions. But because the larger banks account for a bigger chunk of the processors’ business, there’s concern that a two-tier system might not stay in place for a long time. “Our concern remains that the market might eventually force smaller institutions to accept lower debit card revenue,” says a spokesman at the Credit Union National Association. If the smaller banks and credit unions end up receiving less in swipe fees, they too might have to start charging their customers for debit cards.

The debit-card processors aren’t providing much clarity. A MasterCard spokesman says the company will operate within the debit interchange rates imposed by the federal government and that the company will continue to assess the evolving landscape. Visa declined to comment.

To be sure, the concerns raised by the smaller institutions are hypothetical. It remains to be seen whether free debit cards will remain the status quo at community banks and credit unions. For now, industry experts say they are. Offering free debit cards is one way they can compete with larger banks. But while most of their debit cards are free, consumers looking for a robust rewards program might have to shop around. Not all credit unions offer debit cards. And only about 10% of credit unions with debit cards offer rewards programs, according to CUNA. While that’s up from 5% three years ago, it still means consumers will have to do more legwork to find a truly generous debit card.

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    • By WebOsPublisher

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    • Usually you use it at an ATM other than a bank ATM, such as one found in a grocery store or cncnevienoe store. Keep in mind that they are high-interest loans.I tried to use mine at a bank ATM and the teller looked at me like I was stupid, since it wasn’t a debit card You can do it at any other ATMs, though.

    • Sorry, but I disagree with this piece of writing. I actually do take pleasure in your wordpress blog still and will keep on coming once more for news.

    • Netflix reported today that it lost 800,000 customers to date and their stock fell 26% as a result. Is that an indicator of some sort a resounding yes about banks do not make money they are a depository with “Netflix vulnerabilities”.

      - File (EQ) Monday, 10-24-2011 09:35:14 p.m. EST

    • Netflix reported today that it lost 800,000 customers today and their stock fell 26% as a result. Is that an indicator of some sort a resounding yes about banks do not make money they are a depository with “Netflix vulnerabilities”.

      - File (EQ) Monday, 10-24-2011 09:35:14 p.m. EST

About Pay Dirt

  • Pay Dirt examines the millions of consumer decisions Americans make every day: What to buy, how much to pay, whether to rave or complain. Lead written by Quentin Fottrell, the blog examines these interactions, providing readers with news, insight and tips on shopping, spending, customer service, and companies that do right – and wrong – by their customers. Send items, questions and comments to quentin.fottrell@dowjones.com or tweet @SMPayDirt.

MarketWatch - Stock Market Quotes, Business News, Financial News
Bulletin
Investor Alert

London Markets Open in:

need to know
IRS says identity thieves breached its systems
Pope Francis to stand with Mexican migrants
Disney's ESPN woes undercut 'Star Wars' gain
U.S. stocks end flat as oil continues to slide
SolarCity shares drop on soft forecast
Apple CEO Cook’s deleted Super Bowl tweet
What to expect from Whole Foods earnings

Japan stocks fall to lowest level since 2014
Abe defends Bank of Japan chief

The sad truth of why retirement
is a myth

Burberry sues, says J.C. Penney copied its designs

Is it wise to hold onto cash reserves?

Election year could be painful on Wall Street

S.F. real estate looks like it did before dot-com crash
Every major city in the world, in one map

Americans quitting their jobs hit a nine-year high
NFIB survey hints wage gains are fleeting
Job openings are second highest on record

Recipe for less boring Oscar speeches

What to know before buying Beyoncé tickets

How to get mortgage approved: hope for sunny day

99 Cent Gas May Be on Its Way
99-cents-a-gallon gas may be on its way: 24/7 Wall St.

Is the gold rally the real deal or ‘fool’s gold’?
Teen can keep $20,000 gold bar found in lake
Gold one of Wall Street’s best bets early in 2016
Gold futures stretch win streak to five sessions

Why is everyone freaking out about ‘CoCos’?
Convertible bonds are alluring as stocks fall
 
Deutsche Bank co-CEO says bank is ‘rock solid’
Deutsche may buy back billions in debt: FT
Why the selloff in European banks is ominous

This stock market has been Europe’s best in 2016

Strategists are arguing that stocks need a true purge

A strand of Lennon’s hair is selling for $12,000

White House forecasts best growth in years
Obama proposes $4.1 trillion federal budget

Five questions that Janet Yellen must answer
Yellen may say goal is not to slow the economy
Fed: Too white, too male, too many bankers?
Expansion won’t die of old age: S.F. Fed study

Facebook, Amazon are the keys to tapping this market
French regulator threatens to fine Facebook
India bans Facebook’s free Internet service


Europe’s battles: migrants, ‘Brexit’ and ECB
German output, exports drop in December
Roubini: Welcome to the New Abnormal


This has been the No. 1 car in America for decades
How far can you get on $50 in gas?
/conga/frontpage.html 367536

Markets »

127.74MDow Volume:
Avg Vol: 130.29M
Unchanged
156
Decliners
4273
Advancers
2073
Price Chg %Chg 1 Day
Range: 1 Day
  • 1 Day
  • 5 Days
  • 1 Month
  • 3 Months
  • 6 Months
  • 1 Year
  • 2 Years
Dow
/quotes/zigman/627449/realtime 16,014 -13 0.08%
Nasdaq
/quotes/zigman/12633936/realtime 4,269 -15 0.35%
S&P 500
/quotes/zigman/3870025/realtime 1,852 -1 0.07%
GlobalDow
/quotes/zigman/629063/realtime 2,077 -7 0.35%
Gold
/quotes/zigman/33772884/delayed 1,189 -10 0.81%
Oil
/quotes/zigman/2260836/delayed 28.55 +0.61 2.18%
FTSE 100
/quotes/zigman/3173262/delayed 5,632 -57 1.00%
DAX
/quotes/zigman/2380246/delayed 8,879 -100 1.11%
CAC 40
/quotes/zigman/3173214/delayed 3,998 -69 1.69%
FTSE MIB
/quotes/zigman/1482176/delayed 15,913 -528 3.21%
IBEX 35
/quotes/zigman/2759620/delayed 7,928 -195 2.39%
Stoxx 600
/quotes/zigman/2380150/delayed 309 -5 1.58%
Asia Dow
/quotes/zigman/6959860/realtime 2,451 -20 0.80%
Nikkei 225
/quotes/zigman/5986735/delayed 15,713 -372 2.31%
Hang Seng
/quotes/zigman/2622475/delayed 19,288 +105 0.55%
Shanghai
/quotes/zigman/1859015/delayed 2,763 -18 0.63%
Sensex
/quotes/zigman/1652085/delayed 23,807 -214 0.89%
Singapore
/quotes/zigman/1709939/delayed 2,581 -43 1.62%
Euro
/quotes/zigman/16008136/realtime/sampled 1.13 0.00 0.09%
Yen
/quotes/zigman/16008150/realtime/sampled 114.94 -0.18 0.16%
Pound
/quotes/zigman/16008140/realtime/sampled 1.45 0.00 0.05%
Australia$
/quotes/zigman/16008115/realtime/sampled 0.71 +0.00 0.18%
DXY Index
/quotes/zigman/1652083/delayed 96.09 +0.04 0.04%
WSJ $ Idx
/quotes/zigman/41508961/realtime 89.23 -0.05 0.06%
U.S. 10yr
/quotes/zigman/15866666/realtime 1.73 +0.00 0.14%
German 10y
/quotes/zigman/15866409/realtime 0.25 +0.01 4.15%
Italy 10yr
/quotes/zigman/15866497/realtime 1.61 -0.08 4.46%
Spain 10yr
/quotes/zigman/15866444/realtime 1.68 -0.10 5.81%
U.K. 10yr
/quotes/zigman/15866328/realtime 1.42 0.00 0.00%
Japan 10yr
/quotes/zigman/15866525/realtime 0.01 +0.04 160.79%
Crude Oil
/quotes/zigman/2260836/delayed 29 +1 2.18%
Gold
/quotes/zigman/33772884/delayed 1,189 -10 0.81%
Corn
/quotes/zigman/25518691/delayed 361 -1 0.14%
DJIA F
/quotes/zigman/48241424/delayed 15,983 +24 0.15%
S&P F
/quotes/zigman/43106711/delayed 1,853 +4 0.23%
Silver
/quotes/zigman/32655632/delayed 15 0 1.35%

Quotes

Symbol Price Change % Change
FB /quotes/zigman/9962609/composite 99.54 -0.21 -0.21%
AAPL /quotes/zigman/68270/composite 94.99 -0.02 -0.02%
GOOG /quotes/zigman/59527964/composite 678.11 -4.63 -0.68%
BAC /quotes/zigman/190927/composite 12.20 -0.07 -0.57%
C /quotes/zigman/5065548/composite 37.51 -0.30 -0.79%
F /quotes/zigman/264304/composite 11.35 -0.24 -2.07%
T /quotes/zigman/398198/composite 36.65 -0.46 -1.24%
BP /quotes/zigman/247026/composite 28.95 -0.97 -3.24%
GE /quotes/zigman/227468/composite 28.28 0.11 0.39%
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Rates »

5 yr CD
1.3%
2 yr CD
0.7%
1 yr CD
0.5%
MMA $10K+
0.2%
MMA $50K+
0.4%

National averages from Bankrate.com

You Don’t Need Another Credit Card, You Need A Better One.
Avg. APR Last Week 6 Months
Low Interest 11.96% 11.96% 11.62%
Business 13.12% 13.12% 12.85%
Student 13.42% 13.42% 13.14%
Balance Transfer 14.35% 14.35% 14.12%
Airline 15.17% 15.17% 15.10%
Cash Back 15.26% 15.26% 15.27%
Reward 15.28% 15.28% 15.14%
Instant Approval 18.21% 18.21% 18.00%
Bad Credit 22.88% 22.88% 22.73%
Source:CreditCards.com

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