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1. CIOs can and should play a pivotal role in ESG strategy
   This article was co-authored by Katherine Kennedy, an Associate at Metis Strategy Commitments to environmental, social, and governance (ESG)
2. Finance 101: Money Skills Every New College Student Needs
   Looking to equip your new college student with financial skills? Start laying the foundation for a solid financial mindset before they leave. Here's how
3. Missed Rents’ Impact on Real Estate
   By Niel Harmse & Bryan Reid of MSCI Real EstateLockdowns and social distancing have impacted many tenant businesses, resulting in an unprecedented number of requests for rental relief, stressing real estate rental income streams. For equity investors, income returns have weakened, despite softening asset values. Recent
4. Navigating AI Integration In Manufacturing: Challenges, Benefits And Strategies
   Karim Pourak is an Atlanta-based technology entrepreneur who has co-founded several startups in Biotech & AI. He is the CEO of
5. Protecting e-commerce merchants from fraud and abuse with AI
   More businesses than ever are looking for ways to fight the growing problem of e-commerce fraud. AI tools can detect and prevent fraud at every step of the customer journey. Here's how
6. Three Ways to Start Saving for Your Child’s Future
   A parent’s responsibilities are seemingly never-ending and ever-growing. All parents want to make sure they’re teaching their children everything
7. 4 Steps To Turn Makeshift Digital Transformation Into Long-Term Success
   Co-authored with Nikolaus Obwegeser and Benjamin MüllerMakeshift digital home officegettyWhile many companies were reportedly undergoing some form of digital transformation before COVID-19, it seems they were not far enough along their journey to respond effectively. At the outset of the pandemic, companies scrambled t
8. 7 ways America's economy could change forever under Biden, from a top economics professor
   President Biden's spending plans are shaking up how people think about economic policy. Debt fears are out, full employment and direct benefits are in, and inflation is the new big risk. Here are 7 major shifts in thinking on government aid, according to a top economics professor. See more stories on Insider's business
9. The New Diversity Approaches Corporations Desperately Need
   What do companies need to do to get diversity and inclusion right?gettyby Erik ShermanUntold millions of dollars plowed into six decades of corporate diversity training and consulting have failed to transform businesses, their cultures and the makeup of executive ranks, researchers say. Multiple diversity experts who a
10. What is a pre-authorization hold on my debit card?

    When you pay with your debit card, you may have a “pre-authorization hold” added to your account before the actual charge goes through. Businesses do this to make sure you have the funds available to cover the purchase, especially when the total amount is unknown at the time you use your card.

    For example, when you swipe your card before pumping gas, a pre-authorization hold is put on your account for an amount that’s probably going to be higher than what you’ll actually spend. When you reserve a hotel room, a hold is placed on the account for the cost of the room, plus a little more in case you have additional services during your stay. When you pay for your meal at a restaurant, a hold may be placed for the cost of the meal plus extra for the possible tip. Once the actual amount is known, that number becomes the charge. And once the charge clears your account (typically during the bank’s evening processing), the pre-authorization hold is released.

    Pre-authorization holds often can be considerably higher than what you will actually pay, and may stay on your account for a while (days, in some situations) so be sure you are prepared for this amount to be “on hold” in your account in the interim. Remember, you won’t have access to the excess funds until after the actual charge clears and the pre-authorization is released.

    Example: Joe visits a gas station and swipes his debit card before pumping his gas. The business doesn’t know how much gas Joe will pump, but it assumes the charge will be $50 or under. They place a pre-authorization hold on Joe’s card for $50 to ensure the funds are available. Joe pumps $20 worth of gas. That means there now is an extra $30 on hold in Joe’s account, and he will not have access to that money until the $20 charge clears and the $50 pre-authorization hold is released.

    If you have questions, call Client Care at 1-800-731-2265.