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Jesse Torres and Chris Duncan are now friends

January 3

Chris Duncan commented on Rekha Vatsa's blog post 'Are 'Good Times' for Credit Cards Providers Over? Do They Need a New Way to Thrive?'

The party will be over for everybody. If you tell a company they can't control their profits in one area, they will just move it somewhere else or cancel the program. The fact is when you have cash on hand you think a lot harder about how much to g…

December 4, 2009

Chris Duncan commented on Howard Bell's blog post 'Citigroup Suggests Mortgage Debt Forgiveness'

I have always believed a private solution would be better than any gov't plan. And I have talked about this very idea. I believe the idea to share in the equity is a good one. I hope other banks will follow their lead.

December 1, 2009

Chris Duncan and Brittany Randel are now friends

November 16, 2009

Chris Duncan commented on Michael Gibb's blog post 'Mobile Banking Not a Replacement for Branches: CEOs'

Maybe it depends on where you bank. But spending 30-minutes on hold trying to get through to a mega-bank rep is no fun. Sometimes just walking down to the local office and meeting with the branch manager is just more efficient (and dare I say it mor…

November 13, 2009

Chris Duncan commented on Chris Reineke's blog post 'With expected passing of A NEW law Mortage brokering will cease as we know it. Is that a good thing?'

I'm saddened, but not surprised by the US Govt's efforts. They almost never put blame where it belongs and regulate what is truly the problem. They always do it in the guise of helping the child, helping the consumer, but more often than not, it doe…

November 6, 2009

Chris Duncan commented on Jada Brazell's blog post 'BofA Breaking the Law?'

And don't forget, once again, the Gov't sticking in their nose to "protect" consumers is doing nothing but costing us more. :O)

November 5, 2009

JJ Hornblass left a comment for Chris Duncan

November 5, 2009

Chris Duncan commented on JJ Hornblass's blog post 'You're Invited to Change BankInnovation.net'

I will certainly hop over and check that out. Thank you, cd O:)

November 5, 2009

Chris Duncan left a comment for JJ Hornblass

November 5, 2009

Chris Duncan and JJ Hornblass are now friends

November 5, 2009

Chris Duncan commented on JJ Hornblass's blog post 'You're Invited to Change BankInnovation.net'

JJ, I'm new so just starting to get a feel for things. However, your survey questions seemed to assume I was looking to buy something. You may want to modify the survey to take service companies into account. I just need to get out there and networ…

November 5, 2009

Chris Duncan and Alice Lee are now friends

October 21, 2009

Chris Duncan commented on JJ Hornblass's blog post 'Rethinking Overdraft Protection as New Bill Hits Senate'

So for item one, it would seem that the consumer will be hit hard. There are times where I just wasn't paying attention to balances. I could have moved money, but didn't realize I needed it. If the bank can only charge one per month, does that mean…

October 20, 2009

Chris Duncan commented on Chris Reineke's blog post 'With expected passing of A NEW law Mortage brokering will cease as we know it. Is that a good thing?'

I only come from the buyer's perspective. I live in CA. My mortgage broker (although at the time, he worked for a bank (Countrywide) pushed the ARM over a traditional loan. That was even though he knew I was really a plain vanilla guy. Well, I went…

October 14, 2009

Chris Duncan commented on JJ Hornblass's blog post 'The Banking Industry Depression Is Over'

I don't want to be all doom-and-gloom, I just see banks and Wall St. returning to their ways of worrying about the quick bonus and not fundamental soundness. So when the next bubble comes around, they'll just crash and burn again. During the last tw…

October 14, 2009

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Corporate Title

Web Development / Investor Relations / Client Mananger

Company

Jumbo CD Investments, Inc.

City, ST

Dixon, CA

Chris Duncan's Blog

Shouldn't all out-of-area deposits be assessed?

I am quite new to this forum and figured I would start off with a bang. I actually posted the article on our blog. The blog post focuses on under capitalized banks that are utilizing rate listing services to attract deposits. I figured that angle may get the most traction from the powers that be (FDIC and Congress).

In reality, I don't think anyone actually believes that out-of-area deposits brought in by a rate listing service or national internet special should be considered a core deposit. H… Continue

Posted on August 18, 2009 at 5:25pm —