Word: transferals
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...find you must sell (job loss, divorce), there would be no out-of-pocket cost. If buying or refinancing now, consider only fixed-rate loans to lock in low rates--and keep in mind the new "portable" mortgage from eTrade, which lets you lock in a low rate and transfer it from house to house for 30 years...
...agreement that was reached between Marlene Soprani and ACME/Pioneer Janitorial Services stipulates dismissal of the complaint, the rehiring of Soprani and her transfer away from her previous boss, according to both ACME/Pioneer Vice President Frank Gello and Aaron Bartley, an organizer for Service Employees International Union Local 254 who represented Soprani...
Since its founding as a telegraph company in 1851, Western Union has pioneered the stock ticker (1867), the electronic money transfer (1871), the credit card (1914), the singing telegram (1933) and intercity facsimile service (1935). But since 1995, when it became a division of the Denver-based First Data Corp., the world's biggest credit-card processor, Western Union has focused on electronic payments. Western Union processed nearly a billion checks and money orders in 2001 and is the biggest mortgage-payment processor in the U.S. It has also become a leader in the gift-card market, with clients including...
Brand awareness remains crucial in the money-transfer market, where transactions are up in part because of increased migration but also because more of the cash sent by the workers of the world is starting to travel through formal channels. Even gargantuan Western Union gets only a 12% slice of the total remittance market because so many people still send money by mailing a check or getting someone to hand-deliver the money. Every month in Los Angeles, German, 33, sends $100 to his sister in Nicaragua via Western Union or, whenever possible, by a courier who charges a couple...
...within the past three years. MoneyGram also scored a few big wins last year, including deals to place its outlets in Wal-Mart stores and Canada Post offices. "We're trying to be nimble and move quickly," says Phil Milne, who heads the money-transfer company, based in Minneapolis. MoneyGram generally charges lower transaction fees and offers a better exchange rate than Western Union. But Western Union, having partnered with national post offices in some 25 countries, including a recent double whammy in India and China, has a reach that is unsurpassed...