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8 Ways to Save on Summer Vacation

Summer is supposed to be a chance to get away, add a little color to that sun-sheltered skin, enjoy the hot sun at the barbecue, and get some much needed rest and relaxation. Instead, the American Institute of Certified Public Accountants (AICPA) reports that most Americans equate summer with financial anxiety. According to the AICPA…

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Are Personal Finance Education Mandates Working?

Math has always been taught in school, but the kind of math you’re probably thinking of isn’t always practical. You’ll never need to use de Moivre’s Theorem to file your taxes, and you’ll never have to work with the polar representation of a complex number at the grocery store. Unless kids are brought up in…

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Advancing Network Security for Government Entities

Information technology (IT) has become interwoven into all aspects of daily-task management throughout every sector/vertical market in society, including government entities. Risks change every day resulting from the need to keep certain ports open to the outside world for remote connectivity, combined with the continued rise of mobile handhelds that sync with messaging systems, allowing…

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What Are My Subrecipient Monitoring Responsibilities?

A pass-through entity that receives federal awards and/or New Jersey state awards as a subrecipient must determine on a case-by-case basis whether the disbursements made under each agreement represents a subrecipient or contractor relationship. Once a determination is made that a subrecipient relationship exists, as a pass-through entity, you must: Award identification to include the…

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The Buzz About Bitcoins

With the latest buzz about bitcoins – a decentralized, digital currency just a few years old – it is extremely important for the banking industry to understand their use and impact. A bitcoin is a form of virtual currency that allows payment through a peer-to-peer network. Bitcoins are not tangible like cash and cannot be…

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Don’t Let Your Tax Refund Burn a Hole in Your Pocket

April 15th has passed and many of us are awaiting, or recently received, a tax refund.  The average U.S. taxpayer refund over the last two years has approximated $3,100.  If you got/get a nice refund, what do you plan to do with it? It is very tempting to spend it; to treat yourself or your…

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Philadelphia VIP Features Frank Pina and Mercadien Foundation

The partnership began when Frank Pina, a Principal and Managing Director of the Mercadien Group, attended VIP’s Awards Night in 2012 and expressed an interest in helping achieve VIP’s mission. He organized a “Jeans for Charity” event at Mercadien that allowed all practitioners who donated to VIP to wear jeans to work on a particular…

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Focus on Fair Lending Compliance

Fair lending compliance remains in high focus with federal and state regulators. The Department of Justice recently created a new fair lending enforcement unit staffed with economists, attorneys and an executive-level counsel for fair lending in the assistant attorney general’s office. Several regulations are used to enforce fair lending, including the Equal Credit Opportunity, Fair…

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Achieve Growth Through Compliance Leadership

The banking industry has seen noted changes in income margins for institutions of all sizes over the last five to ten years. Growth strategies focused solely on revenue channels are no longer effective and must be changed to ensure that income is not offset by compliance-related expenses. The regulatory landscape with which banks need to…

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Christoper Seiz of The Mercadien Foundation Discusses Financial Literacy

Since 2004, the U.S. Senate has recognized April as National Financial Literacy Month in an attempt to encourage learning new financial skills, improve personal financial well-being and reduce the stigma attached to talking about personal financial health. Today, April 15, also happens to be when our taxes are due. April is a time to celebrate…

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