10/5/2023 0 Comments My tuner radio lost stationsPressing a button causes flawless combos to be instantly executed.īlueStacks 5 requires a PC or Mac with at least 4 GB of RAM. Have you grown bored of using the same moves and visiting the same areas over and over again? After recording your actions with the Macro Recorder, you can simply assign the sequence to a button on your input device. You can even log into multiple accounts of the same game for twice the efficiency.īlueStacks’ fantastic Macro Recorder feature can help you play faster and more efficiently. Increase your productivity and quickly switch between multiple apps in an instant. Run all of your favorite Android games and apps at the same time on a single computer with Multiple Instances. Just by switching on Eco Mode, you can reduce CPU and GPU usage by up to 87% and 97%, respectively. If your computer is a bit on the ancient side, you won’t have to worry as much about BlueStacks causing any lag or drops in frame rate while playing your games. This app player can be up to six times more powerful than the most advanced smartphones. Have you ever tried running the newest games on a dated smartphone? Give BlueStacks a try on your PC and say goodbye to stuttering and overheating. With its powerful emulation technology and customization options, BlueStacks is like a gaming magician, conjuring up endless possibilities for entertainment and adventure. Plus, with the search tool, you can easily find a station or podcast by country, city, or genre.ĭownload myTuner Radio App: FM stations on PC with BlueStacks and tune in to your favorite live FM / AM radio stations.īlueStacks is an app player that opens the door to over 2 million Android games on your desktop. And if you’re abroad, don’t worry – you can still listen to your favorite FM / AM radio stations through the live radio app. One of the best things about myTuner is that you can keep listening to free live FM / AM radio stations while using other apps. You can even follow your favorite shows and more than 1 million podcasts! Whether you prefer sports, news, music, comedy, or something else entirely, you’re sure to find a station that suits your taste. With more than 50,000 live radio stations from over 200 countries and territories to choose from, myTuner has something for everyone. Looking for an easy way to listen to live radio stations from all over the world on your android phone or tablet? Look no further than myTuner Radio app! With its modern, beautiful, and user-friendly interface, myTuner is the perfect way to tune in to internet radio, AM and FM radio, and other live radio stations. BlueStacks app player is the best platform to play this Android game on your PC or Mac for an immersive gaming experience. The string doesn't have to be sticky, just not slippery on the wood tuning knob barrel.MyTuner Radio App: FM stations is a Music & Audio app developed by Appgeneration – Radio, Podcasts, Games. Alternately, I've heard some people use rubber cement. It also comes in a dip version (liquid without the spray). So I ended up spraying "plasti dip" on it, which is a rubber coating in a can, intended for use on metal tools to give them a nice grippable layer of rubber. As awesome as the vintage radio string is, it still wasn't perfect - it was still a bit slippy. Which is fortunate, because as far as I can tell, he's the only person left alive who sells this stuff. I bought this from Bob's Antique Radios and Electronics, and Bob, if that's who I spoke to, is pretty awesome. These qualities of this string turn out to be pretty important to get the radio tuner working exactly the way it was. Without even going into what other strings I tried (dental floss!!!) I finally caved and bought the real thing - Vintage radio dial cord.
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10/5/2023 0 Comments Heart break meEven though I've seen my fair share of hospital dramas, I was intrigued and fascinated by her treatment of the role that social media now plays in the contemporary hospital setting. This book gave me so many cravings, I think I gained ten pounds while reading it!Ĭharaipotra masterfully delivers a rich, multi-layered story, sprinkled with news articles, texts, and sarcastic diagnoses that are well worth the reading.Ĭharaipotra masterfully delivers a rich, multi-layered story, sprinkled with news articles, texts, and sarcastic diagnoses that are well worth the reading. The comedy here centers round Saira's wonderful Indian family: her Dadi, her "Dragon Auntie," her longtime boyfriend Vish (who has yet to come out as gay to anyone but Saira), Saira's fear (and constant failure) of her driving test, and food. Symptoms of a Heartbreak is billed as a romantic comedy, despite cancer and medical internships not being topics one should take lightly - and Charaipotra does not. But you will feel satisfaction, joy, and hope - and some of that hope will be for a sequel. As much as we'd so desperately like to, we can't save everyone. If you've ever seen an episode of Grey's Anatomy, you know you're not going to get out of this book completely emotionally unscathed. That's as much of a spoiler as I'm willing to give you - you'll just have to trust me on this one. (This is an extremely rare occurrence for me, happening only once before that I can remember, because I had no interest in trudging through the rest of A Storm of Swords if Arya Stark didn't make it.) My fears assuaged, I flipped back to my bookmark and happily continued reading. But if you, like me, still have PTSD from A Fault in Our Stars, you'll understand why I immediately flipped to the end to make sure I wasn't about to have my heart ripped out and stomped on. I don't know why I didn't put all these pieces together until the first third of the book. Instead, she falls for a patient: Lincoln "Link" Cheung-Radcliffe, a handsome teen musician with leukemia (who definitely brings to mind a young Atticus "Link" Lincoln from Grey's Anatomy).īook Reviews A Self-Sufficient Kid Finds An Unexpected Silver Lining In 'Best Plan' Saira's crush is not on one of her fellow interns, which makes sense, because of course they are too old for her. Saira, being brilliant, eventually falls into place. This, plus Saira's age, history, and mild celebrity status, ruffles feathers right from her first day. Harper's memory seems to haunt Saira in every corner of the hospital, as does her mother, who is a senior attending in pediatrics at the same hospital. Her chosen field was inspired by her dear friend Harper, who died at the age of 8 from leukemia young Saira was the first to diagnose her. Girl Genius - is fresh out of med school and interning in the pediatric oncology wing of Princeton Presbyterian. Sona Charaipotra's new Symptoms of a Heartbreak falls right in line with the best of those, but it's specifically targeted to a YA audience. There's just that compelling magic surrounding doctor dramedies that pulls me in every time. These days, I'm all about Grey's Anatomy. That charming, mischievous character played by Neil Patrick Harris would have fit right into my group of misfit, too-smart-for-their-own-britches friends. I was 13 the year Doogie Howser, MD debuted on television, and I loved every minute of it. Your purchase helps support NPR programming. Close overlay Buy Featured Book Title Symptoms of a Heartbreak Author Sona Charaipotra 10/5/2023 0 Comments Ncl breakaway latest newsHundreds of Guests in New Orleans Changed Their Minds and Prudently Decided Not to Board the Norwegian BreakawayĬomments left on our firm’s Facebook page on Monday indicated that as many as 400 passengers who were booked on the last cruise changed their minds in New Orleans and elected not to cruise after they learned that there was an outbreak. Hmm first said Norwegian Breakaway had only "handful" of #COVID19 cases (handful = just "5" fingers?) but total is now at least 17 (& counting, stay tuned) including at least 1 #Omicron variant (isolated on #cruise ship with over 5,000 passengers & crew?) Ha! Eric Feigl-Ding pointed out yesterday on Twitter: In any event, it is potentially dangeous for anyone suspected of COVID-19 to remain on a cruise ship given the fact that the shipboard ventilation / air conditioning systems potentially permit the airborne virus to spread and infect others – a point which leading epidemiologist Dr. Of course, this is the same cruise line which falsely claimed that the outbreak intially involved only a “handful” of cases when the actual count is now at least twenty infected guests and crew members. NCL claimed that all of those infected are allegedly asymptomatic, which remains to be seen. who will need to be tested for the next ten days or so.Ī “Handful” of “Asymptomatic” Guests & Crew Members? There are now housands of guests who have dispersed across the U.S. Was this crew member a new employee who joined the ship and required to a standard ten-day quarantine like all incoming employees who join the ship or did he or she work while infected for some period of time and infect other crew members and guests? NCL is not stating. It is less than clear when this crew member first tested positive for COVID-19 or when NCL first learned that the Omicrom variant was involved. But it actually raises more questions than provides answers. I suppose that information is designed to comfort the public and lead people to believe that the infected crew members did not expose guests to the Omicron variant. NCL subsequently explained that this infected crew member is from South Africa and had been under quarantine during the entire cruise which began on November 28th. Included in the outbreak is one crew member who is positive with the Omicron variant, according to Norwegian Cruise Line (NCL). It is doubtful that more than just a few guests on this cruise who return home will voluntarily begin a period of isolation, so the potential for further spread of the virus is very real. On first glance, this is a prudent (although inadequate) step because the incubation period for COVID-19 is anywhere from two to fourteen days. NCL also stated that it would provide home COVID-19 tests for the guests to take with then when they disembarked the ship. Norwegian Cruise Line (NCL) stated that all of the passengers would undergo testing before they disembarked the cruise ship. How Many More People Will Become Infected? The infection count would undoubtedly rise as the over 3,200 guests disperse around the country and the over 1,600 crew members continue working on the cruise ship. Additional testing, once the ship returned to port, revealed an additional seven coronavirus cases, for a total of seventeen cases so far (and counting), This total does not including the three infected crew members who we learned of today.Īfter the outbreak became public last Sunday, (after tweets by the Louisiana Board of Health), Norwegian Cruise Line (NCL) issued press statements stating that there were only a “handful” (i.e., five or so) positive cases. So Far, at Least Twenty People Infected with COVID-19Īs we previouly reported, this past weekend the Norwegian Breakaway returned to New Orleans after a week-long cruise to the Caribbean with what the Louisiana Department of Health initially reported to be ten COVID-19 cases involving cruise guests and crew members. The Norwegian Breakaway arrived in Roatan this morning during its current cruise to the Caribbean, after its was delayed leaving New Orleans this weekend. The three additional infected crew members at this time include a recreational staff member, a stateroom attendant and and a musician. This crew member also informed us that there are nine crew members in isolation on the ship due to close contact with other infected crew members. At least three additional crew members are infected with COVID-19 on the Norwegian Breakaway, according to a knowledgeable crew member on the cruise ship who wishes to remain anonymous. 10/5/2023 0 Comments Handsfree tailgate acuraThe Editorial department is independent of ’s advertising, sales and sponsored content departments. See the hands-free access tailgate feature in action on a 2022 Acura MDX. HandsFreeLink is Honda/Acuras bluetooth audio system for holding phone conversations. Puppies For Sale In Orlando Atv For Sale Houston Quick Tip: 2022 Acura MDX Hands Free Tailgate Access. In line with ’s long-standing ethics policy, editors and reviewers don’t accept gifts or free trips from automakers. Quick Tip 2022 Acura Mdx Hands Free Tailgate Access Quick Tip 2022 Acura Mdx Hands Free Tailgate Access. 2017 Vehicles Available with Hands-Free Liftgate or TrunkĬars.com’s Editorial department is your source for automotive news and reviews. A quick kick motion under the rear bumper automatically opens or closes the tailgate, but you need to stand in the right position, and the feature must be. Using the Hands Free Access 1Using the Hands Free Access During rain or in other instances when the vehicle becomes wet, the sensor may not properly detect your foot motion. u Some exterior lights flash and a beeper sound, then the tailgate begins to move. Many more vehicles offer power liftgates or trunks activated by pushing a button on a key fob or inside the vehicle, but this list covers only those with hands-free operation. bumper to open or close the power tailgate while carrying the keyless access remote. In others, this feature might be part of an extra-cost option package that includes several expensive features, some of which you might not want. In some cases, hands-free access to the cargo area is offered only on the higher- or highest-priced versions of a particular model. That doesn’t mean they come cheaply, however. Hands-free liftgates and trunks are rapidly becoming available on more non-luxury models, and this list of 2017 vehicles that offer them is considerably longer than the one for the 2016 model year. Related: Which 2016 Cars Have Hands-Free Liftgates? Home 2021 Acura RDX Hands Free Assist (Power Tailgate) Hands Free Assist (Power Tailgate) for 2021 Acura RDX. Come get your OEM Honda Power Tailgate Sensor, Hands Free (8u59tla100b) from Honda Acura Online at an affordable price. Many of these technologies are made to be used while operating a vehicle, but are often used in many other places to allow people to multi-task more effectively. Simply wave your foot below the rear bumper or, on models with a proximity key, approach the liftgate with the key on you to have it automatically pop open. Handsfree is a term used to describe technology that uses various features to accommodate the user’s ability to communicate without using the hands. The LE variant now comes standard with a two-year Mitsubishi Connect trial and FAST-Key entry system while an unspecified Special Edition will be introduced later this - A hands-free liftgate is a useful tool for those times when you don’t have a hand to spare. The SE also comes standard with adaptive cruise control, a rear USB port, and a leather-wrapped steering wheel. Then there is the 2024 Eclipse Cross that now benefits from a hands-free electronic tailgate with a kick-motion sensor on SE and SEL models. 2019 RDX Model Series Body Side Moldings. 2019 RDX Model Series All-Season Floor Mats. 2019 RDX Model Series Accessory Trailer Hitch Harness with Hands-Free Installation Tips. 2019 RDX Model Series A-Spec Black Emblem. The regular 2024 Outlander will also be offered with the same Platinum Edition and SEL Black Edition versions. 2019 RDX Model Series 20-inch Aluminum Wheel. 73 - Silver Pearl - 18 Acura MDX Sport Wheels - Continental ExtremeContact DWS 235/55R18 - Pax Free. What a shame that Acura doesnt spell that out in the owners manual. Hands-free access power tailgate standard on Elite. Originally it worked about 1 time out of 50. The SEL Black Edition from 2023 will also continue to be offered but now adds new black semi-aniline premium leather-appointed seats, a black dynamic shield, black chrome window trim, and black roof rails. The hands free tailgate feature works 1 out of 20 times. These start with the Outlander Plug-In Hybrid that is now offered with a new Platinum Edition bringing with it a Black Diamond paint finish and Alloy Silver roof. Hands-free power liftgate (Power tailgate lift) is a back-door system, the user of the vehicle controls the liftgate / tailgate opening and closing by pressing. Mitsubishi has also made a handful of changes to select models for the 2024 model year. 10/5/2023 0 Comments Road opener sigilWe believe wholeheartedly that ritual magick with these tools will do just that when followed exactly. We want you to be able to move the energies in your life to help you align with what is most true to you. The oils are created on our behalf by practitioners of magick who hold these recipes sacred and confidential.Īdditionally, it is very important to follow the instructions to the letter as the replicable nature of these rituals is what produces powerful results. These rites are intended for you to engage in the energies in a very specific sequence that acts as the key to unlock certain energies within yourself and therefore command a specific result from the Universe. Our Modern Mystic Shop ritual kits are a collection of sacred items coupled with very specific instructions. Clear the paths for yourself, or opportunities, Road Opener Powder is used to attend to specific obstacles, the challenges faced to clear the path in order to pave the way for good things to come clearing negative energy, clear both the spiritual and physical junk along with bad luck. al - a spiritual or solemn ceremony consisting of a series of actions performed in a prescribed order.Chanting “ Aum Gam Ganapataye Namaha” over the Servant’s image while seeing your block or obstacle dissolve can be highly effective.Ī general road opening working could be done to open any suitable paths, which can lead to some unexpected but unique new directions.This ritual is designed to remove all blocks surrounding a specific issue and usher in a new, open road. This ritual is designed to remove all blocks surrounding a specific issue and usher in a new, open road. A form or aspect of the great god Ganesha appears above the open road, and He is known as the great remover of obstacles. Creating opportunities by clearing obstacles. If someone or something is standing in your way, The Road Opener can be enlisted to help remove this obstacle. Candle offerings are beneficial, as is drawing the sigils in the air and breathing or pushing it into job applications, CVs, or résumés. You can ask The Road Opener to create new opportunities for you or to show you avenues of interest that you might not have previously considered but which would suit you well and bring you great enjoyment. See more ideas about road opener spell, spelling, candle spells. These paths can be career, relationship, creative, or any area you want to become freer to pursue. Explore Elisabeth Rays board 'Road Opener Spells, Candles and Oil' on Pinterest. The Road Opener can be used to open new paths or for clearing obstacles from existing routes. The Road Opener is always a positive sign of better things to come. Our Road Opener Candle is charged to clear your path of any blocks or obstacles that stand in the way of success and create opportunities (love, money. The Road Opener can also signify that an obstacle that was once in your way has now been removed (or, in the case of a future card – will be) and you are now better fixed to move forward. The Road Opener is a sign that the way ahead is clear and that you should pursue your goals with all your might, as nothing can now stop you from achieving what you want. New opportunities are becoming available, and an improvement in job, love or financial prospects is literally on the horizon. When The Road Opener appears, it is a sign that the future will lead to new and exciting places. funny rude quiz questions and answers yamaha outboard tachometer not working golden irish puppies for sale near me jatt sikh surnames 2019 pem biology trial. He encourages us to recognise the opportunities that are appearing around us. Our Modern Mystic Shop ritual kits are a collection of sacred items coupled with very specific instructions. ritual - a spiritual or solemn ceremony consisting of a series of actions performed in a prescribed order. The Road Opener shows us how to clear, banish and remove the obstacles in our path. This ritual is designed to remove all blocks surrounding a specific issue and usher in a new, open road. CLICK HERE TO BUY THE DECK THE ROAD OPENER 10/5/2023 0 Comments Ireal pro change style
10/5/2023 0 Comments Treenity mind mapHasim.įr Anil D'costa, Principal Fr Ravi Rajesh Serrao, vice principal Fr Lenson Lobo and all the teaching faculty took part in the session. He initiated the requisite of setting SMART, S- specific, M-Measurable, A- action oriented, R-realistic, T-timely goals.Ī 25 minutes hypnosis session was also conducted by Dr. He also proved that one’s body can be as flexible as to move to 180 degrees just by controlling the mind.ĭr Hasim also discoursed about the need of goal setting in one’s life. He gave a practical exhibition stating that the human mind can make the human body as strong as a steel bridge just by following the hypnosis method. He demonstrated different activities to the teachers to define and interpret the power of mind. He elucidated the three stages of mind and explicated about the conscious mind and the subconscious mind. He expounded that everything happens for good and one's belief system plays a vital role in the concept of controlling the mind. Customize mind map examples for free with Canva Whiteboards. Brainstorm with your team easily and organize ideas through mind mapping. He edified the teachers to understand their role in stimulating the students. Home Graphs Mind Maps Free online mind maps Come up with the best concepts and bring them to life. By focusing on key ideas written down in your own words and looking for connections between them, one can set goals and achieve them.Īddressing the teachers during his training session Dr Surfraz J Hasim said " A teacher not only guides students in academics or extracurricular activities, but also is responsible in shaping a child to a better human being. Mind map involves writing down a central theme and thinking of new and related ideas which radiate out from the centre. In order to train young minds, teachers and professionals he has developed a skill development and consultancy named Sadhana Academy. He is currently serving as the Principal of P A First Grade College, Mangaluru. Treenity helps you to organize tasks, structure ideas, and plan projects with smart visualization, reminders, and locations. Download Treenity - Project Planner and enjoy it on your iPhone, iPad and iPod touch. No justifications or defenses entertained. Agreement between competitors to maintain (fix) minimum prices. He has undergone advanced training in various programmes such as hypnosis, mind power, counseling, neuro linguistic programming, life coaching, executive coaching, Sujok, Redikall and Pranik healing. Read reviews, compare customer ratings, see screenshots and learn more about Treenity - Project Planner. Agreement to divide up market into exclusive territories. Internationally acclaimed mind trainer, psychologist, success coach, Dr Surfraz J Hasim conducted the session.ĭr Surfraz J Hasim is also known for his motivational speaking skills, hypnotherapist and master trainer & facilitator. Udupi, May 24: "A Mind mapping and hypnosis" session was organized for the teachers of Trinity Central School, Perampalli. 10/5/2023 0 Comments Copy and paste heart fontMake a big impression with these enormous letters, also known as ASCII text, made out of normal keyboard characters. Stacked text ▸▸ Create huge texts with ASCII characters □️ Stack two texts on top of each other without using the space of two lines. Striped text ▸▸ Stack two texts on top of each other □ You can add them under, over or through your text. With our simple generator you can decorate your text with underline, overline, bows, hooks and other shapes. Mirrored text ▸▸ Decorate your text with Underline, Overline and Strikethrough 〰️ Turn your text upside down, put it in reverse or make your text reversed and upside down at the same time! HOUSE - ƎƧUOH - HOႶƧE - ƎS∩OH Messletters ▸▸ Turn your text Upside down or Mirrored □ Fancy Font Generator □ Stylish Text, Emoji and Symbols!Ĭreate cool stylish text to copy and paste with our Fancy Font Generator ( ˘ ³˘)□□ Use it on Instagram, Facebook, Whatsapp or wherever you like! If you have any suggestions or questions, you can contact us via either the contact page or else via Facebook, Twitter, Youtube, etc. Or on mobile, click the menu button on the top right. You can do it all on Messletters! Just have a look through the main menu on the left. What about Shapes? Or Characters? Perhaps you want your text mirrored, or maybe upside down! Or make nice waves that you can use as separator lines in text. We have so much more to offer, because we just love everything that has to do with text! Would you like to add your own creations or can't find something? Flick us a message! Contact It's completely normal for some characters to appear as squares. When our generator has converted your text into a stylish fancy text you simply copy and paste it where you like! Like we said, you can use it anywhere! As your Twitter name, a Tweet, a Facebook post, in your bio, on Instagram, photo captions, signatures and so on! But, aye, who cares! Fancy fonts! And then what? □ The right name would probably be more like text styles or just fancy text. On Instagram, Facebook, Twitter, Whatsapp, WeChat, you name it. But, that is exactly why it works everywhere. Even though everyone always calls Messletters a font or typeface (even we do □), they're actually indeed not. Wait, fonts? I thought you said earlier Messletters weren't fonts? Fonts, hm, yeah, you're right. Like calligraphy fonts, cursive style, italic style, bold style, web script fonts, cursive fonts, handwriting fonts, old English fonts, word fonts, pretty fonts, etc. When you enter your text in our generator, it converts your normal text into these stylish fonts or fancy styles. Haha, well, Messletters are mostly just Unicode characters from foreign languages like Grεεκ ( Greek) or Гцѕѕідп (Russian - Cyrillic) or characters like the Phonetic Alphabet. Later on, as people started using multiple messengers, like Skype, Facebook and Twitter, we changed the name to Messletters, a combination from the words MESSenger and LETTERS. Pre-2008 Messletters was called MSN Letters, as people were using the fancy text generator mostly for their chat name in MSN Messenger, which was a very popular chat software back then. For example, if your custom JavaScript adds some random emojis to the end of the text, then you might want to enable this option.First a bit of history behind the name Messletters. Here's a screenshot of an example question/answer and here's the example question text to copy/paste.ĭo you want the output text to wrap around when it reaches the end of the output box? Usually you do, but with some "multi-line" fonts, you don't.ĭo you want to show a "randomize" button for the output text box? This feature only makes sense if your font has "randomization" within its custom JavaScript code. If you want a custom transformation, but don't know JavaScript, you could ask ChatGPT (or similar) to help by giving it the preceding instructions, and describing the functionality you want. The function must be named "transform" and it should accept one input (text) and return the final output text. You can define a custom JavaScript function in the box below that will be used to transform your final text after all your rules have been applied. 10/5/2023 0 Comments Cvs hour photoSame day photos in a flash!Ĭhoose From Three Classic And Two Square Print Sizes
10/5/2023 0 Comments Paypal vs venmo technologyAs an example, if Harry wants $11 to buy a T-shirt in New York, but has €10 in his European bank account, and separately Amanda is wanting to purchase a €10 hat in Paris but only has a US dollar denominated bank account, Venmo could conceivably transfer Harry’s euros to the Parisian hat store while Amanda’s dollars are transferred to the T-shirt shop in New York. Given Venmo has eliminated historical divisions due to bank affiliations, perhaps it can also serve as an intermediary for those looking to exchange currencies across countries and allow individuals to transact at low-to no transaction fees. As much as credit cards have allowed customers to avoid foreign transaction fees while traveling internationally, there will always be vendors and individuals around the world who will have a preference for cash. In addition, as Venmo continues to take share of wallet, the data it collects around customer transactions will become increasingly valuable.īuilding off of Venmo’s customer promise on convenience and ability to eliminate cash transactions, I believe an interesting area of growth could be in foreign exchange, particularly in the backdrop of increased globalization. The expanded network will not only have compounding effects on the convenience of the app, but will create a compelling and sustainable competitive advantage. It has become clear that the network effects of a payment app can be particularly strong given the difficulties and inconveniences associated with frequently transferring sensitive bank information. Going forward, I believe Venmo should be fully focused on increasing its user base. As Venmo’s popularity grows, it will become increasingly difficult for new entrants to compete with Venmo’s network. Also unlike its competitors, Venmo has become as much a social app as a financial tool, leading to much higher consumer engagement and use. By eliminating these barriers and making a truly convenient way to lend with peers, Venmo has allowed for smaller, more frequent transactions among a much more expansive network of people. Secondly, its mobile application allows for much greater convenience in comparison to transactions typically done by check, computer or bank branch. Sensitive information such as routing numbers would need to be collected and exchanged each time a transaction was done, and information on how or where to do this was not straightforward. For example, it was typically the case that a Bank of America customer could not easily find and transact with a Chase customer. First, Venmo eliminates historical barriers that have come from bank to bank transactions. Venmo can deliver to consumers in a way traditional banks cannot due to several differences in their operating model. However, I am of the notion that Venmo and other technologies will continue to take share from traditional banks to such a degree that they will likely be made worse off, as cash becomes distributed amongst a wider array of financial services. As the array of mobile financial products increases, it remains to be seen what the true net effect of all of this will be. In that case, Venmo could actually be encouraging more spend, eventually leading to more fees, deposits or earnings down the line. One countervailing notion to this is that Venmo may be enabling more transactions to happen than ever before. As peer to peer money transfer systems take share in transactions, banks and credit cards stand to lose on deposit balances & fees, transaction fees and so on. While Venmo does not necessarily mean the end of these sources of revenue, there is something to be said about the estimated $20bn of payment volume Venmo expects to process this year. In addition, credit cards rely on transaction fees as well as late fees from consumers. Historically, banks have relied on large, stable low-cost deposits from customers in order to then offer higher yielding loans and other bank products. While such a tool like Venmo does not completely eliminate the need for a bank, it poses a significant threat to traditional bank and credit card business models. In contrast, users are able to find peers via username, email, phone number and even Facebook contacts – which has shifted the use case to be much more social than ever before. It is a popular peer to peer money transfer system that allows users to quickly and conveniently transfer money to other users on the platform, regardless of any bank affiliations which had previously divided individuals. Venmo is one of the many fin-tech start ups that have changed the way people spend money. |
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