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Use the right overdraft provider to do the right thing

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first_img 12SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Jeff Harper Jeffrey Harper brings more than 25 years of industry experience to his position as president of ​BSG Financial Group. ​ where he heads up the Sales and Marketing divisions of the … Web: www.bsgfinancial.com Details I think we can agree that there are consumers who need short-term liquidity options. Among several recent studies, the Brookings Institution reveals that one-third of American households live paycheck to paycheck; and American Banker data cites that 54% of checking account customers are in poor financial health.Financial institutions can provide a valued service by offering a compliant overdraft privilege program to help these individuals manage unexpected, ill-timed expenses. In fact, a recent study by Novantas said that 66% of overdrafts occur when consumers knew they have a low balance, but want the payment to go through anyway.So how does your credit union offer a cost-effective service without encouraging reckless behavior? A good place to start is to review how your third-party overdraft vendor is compensated, which can affect the way the program is viewed by regulators and how it is executed vis-a-vis account holders.In a webinar called “Avoiding ‘OOPS!’ in Your Overdraft Protection Program,” Patti J. Blenden, CRCM, CPA, President, Financial Solutions for Growing Companies, Inc., warned that the practice by some third-party overdraft providers of pricing their overdraft programs based on a percentage of the increase in income the bank will generate is generally inconsistent with promoting the responsible use of these programs. You may have heard of this type of incentive compensation referred to as a “pay for performance,” which essentially rewards the provider with a percentage of the additional fee income generated by the program.Unfortunately, many third-party providers today still price their programs based on this form of incentive compensation. However, when compliance examiners evaluate whether the third-party relationship raises the potential for compliance, operational, financial and reputational risks to the financial institution, they may look harshly on such an arrangement.A third-party provider in this type of an arrangement may encourage practices that boost revenue in the short term, but are detrimental to the customer and the bank in the long run. The preferred pricing methodology is to establish a fixed price for the service that is not tied to program performance.Ms. Blenden made it very clear that neither an institution’s third-party vendor nor its own internal infrastructure should incent the fee income that can be generated by the overdraft service. She drew a comparison to the loan originator compensation that led to mortgage reform restrictions: “If we give people the incentive to make more money, they are going to come up with creative ways to do so and they may not be in the bank’s long-term best interest.”She suggested that institutions not only look at their third-party overdraft arrangement and eliminate incentive compensation, but also at their own institution: Do you incent employees to get more people involved in the program? These activities can be an indicator to a regulator or to an independent reviewer that your institution is focusing on incentivizing employees or the third-party vendor at the expense of the consumer… exactly what you do not want.Ms. Blenden’s final word on the topic (and we couldn’t agree more): “Make sure you’re using the right people to do the right thing.”last_img read more

The Latest: Senators press for transparency around Olympics

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first_imgEPCR says it “remains committed to completing the 2019-20 Heineken Champions Cup and Challenge Cup season.”___The Tokyo Olympic torch relay will start Thursday as planned in northeastern Fukushima prefecture but with no torch, no torchbearers and no public because of the coronavirus outbreak.There will be an Olympic flame carried in a lantern and transported by a vehicle along what organizers hope will be empty roadsides.The Tokyo Games and the relay have been caught in limbo since International Olympic Committee President Thomas Bach said four weeks were needed to decide on an inevitable postponement of the planned opening on July 24. He has ruled out a cancellation. Additional allocations will be made as the pandemic evolves and its effects on Jacksonville and northeast Florida residents continue to be realized.___The New Jersey Devils and Philadelphia 76ers have done an about-face on cutting salaries for employees making more than $100,000. A day after announcing the temporary 20% pay cuts because of the economics effects of the coronavirus pandemic, the teams’ co-owners rescinded them.Co-owner Josh Harris says after listening to his staff and players, it’s clear that the pay cuts was the wrong decision.“This is an extraordinary time in our world — unlike any most of us have ever lived through before — and ordinary business decisions are not enough to meet the moment. To our staff and fans, I apologize for getting this wrong.” March 24, 2020 ___USA Cycling chief executive Rob DeMartini tells The Associated Press that athletes were surveyed over the weekend by the U.S. Olympic and Paralympic Committee and that the consensus was that postponing the Tokyo Games was the correct call.DeMartini says “training disruption and qualification challenges are too big to overcome even if the environment returns to a degree of normal by late summer.”DeMartini says that he is a fan of a “soonest possible” reschedule but not until the situation is a bit more predictable. That could mean early in 2021 or an Olympics that is pushed into the fall of next year.DeMartini says “we just need to be sure everything is being done to protect their safety.” ___IOC president Thomas Bach says “alarming figures” in the past few days about the coronavirus were key to deciding the Tokyo Olympics must be postponed.Bach cites the World Health Organization “saying in the last couple of hours that Africa has to prepare for the worst.”The IOC has been advised by the WHO, which said Monday the pandemic is accelerating.Bach says the original health issue for hosting the Tokyo Olympics was “could Japan offer a safe welcome” and the IOC was confident it could. The Paris organizers said in a statement Tuesday that “postponing the world’s biggest sporting event is not an easy decision,” but that the IOC did the right thing in listening to “the concerns of the sports world.”The statement added that the ”postponement of the Tokyo Games will make it possible to offer the athletes optimal conditions for preparation and competition.”___Road race world champion Mads Pedersen of Denmark says he is happy the International Olympic Committee made the decision to postpone the Tokyo Games on Tuesday rather than wait weeks or even two months.Pedersen would have been among the favorites to win cycling gold this summer. He says he’s sorry for the athletes who had planned their seasons around the Olympics. But he ultimately calls it the right decision, saying that “it shows that we are thinking above the sport and making everyone’s health the priority.” The Olympic trials were among the marquee events set to showcase the newly reconstructed Hayward Field on the University of Oregon campus. Hayward Field has been expanded in anticipation of the 2021 world track and field championships.___The NFL’s Arizona Cardinals have made a $1 million donation to help those in the state affected by the coronavirus pandemic.The Cardinals are working with Arizona Gov. Doug Ducey to launch an initiative that will help fund protective equipment for medical personnel, support nonprofits like food banks and homeless shelters, and provide disadvantaged students with technology to help with online learning.Cardinals President Michael Bidwell said in a statement that “this unprecedented crisis has us asking what we can do to help and what might have the greatest impact. We are grateful for the creation of this relief fund, are proud to support its critically important mission and hope that others throughout the community can join this effort in whatever way that they are able.” World Athletics adds that it is looking at a new qualification system to account for the postponement and for the havoc wreaked on the 2020 schedule by the coronavirus outbreak.___The president of the International Paralympic Committee says postponing the Olympics and Paralympics to 2021 was “the only logical option.”The Paralympics are governed by the same contract as the Tokyo Olympics.IPC president Andrew Parsons says “by taking this decision now, everyone involved in the Paralympic Movement, including all Para athletes, can fully focus on their own health and well-being and staying safe during this unprecedented and difficult time.” The Latest: Senators press for transparency around Olympics ___Jacksonville’s Shad Khan is the latest NFL owner to donate money to help during the coronavirus pandemic.Khan committed $1 million to northeast Florida’s response to the COVID-19 crisis.He is giving Florida’s First Coast Relief Fund $400,000. He is giving $75,000 to Feeding Northeast Florida. He is giving $75,000 to The Clara White Mission to provide food and care for the city’s homeless. He is giving the Jacksonville Public Education Fund $50,000 to provide needed supplies and technology to students and teachers as they make the transition to digital home learning.He also is giving the local chapter of the American Red Cross $50,000 in support of Anheuser-Busch’s initiative to support the continuation of blood drives throughout the country. The teams did not say whether they plan to maintain a four-day work week, which was part of the cuts. Employees benefits were never changed and the teams plan on keeping their 1,500 hourly workers paid throughout the regular season. The NHL’s Devils and the NBA’s Sixers are owned by Harris and David Blitzer, who are the founders of Harris Blitzer Sports and Entertainment.___Five-time Olympian Kerri Walsh Jennings says it was the “responsible choice” to postpone the Olympics.“When you do something on a grand scale, you want to do it right,” she told The Associated Press. “Give time for the world to heal. I can’t imagine the enthusiasm that’s going to be coming next year, with the whole world coming together to watch this. I know the Japanese people are going to make the best of this.”A three-time beach volleyball gold medalist, Walsh Jennings was in position to make the 2020 Games with new partner Brooke Sweat. They’re treating the coronavirus shutdown like an offseason, staying home with their families and working out on their own. Newcastle’s 2-1 win over Melbourne City at an empty stadium on Monday was the last game completed. Sydney FC leads the standings with 48 points after 20 games.___More AP sports: https://apnews.com/apf-sports and https://twitter.com/AP_Sports,Tampa Bay Lightning advance to face Dallas Stars in Stanley Cup finals, beating New York Islanders 2-1 in OT in Game 6 Share This StoryFacebookTwitteremailPrintLinkedinRedditThe Latest on the effects of the coronavirus outbreak on sports around the world:Two U.S. senators are pressing for transparency after the International Olympic Committee’s decision to postpone the Tokyo Games over concerns about the coronavirus.Senators Jerry Moran, a Kansas Republican, and Richard Blumenthal, a Connecticut Democrat, are part of a subcommittee that handles issues related to the Olympics. In a joint statement, Moran, who’s the chairman, and Blumenthal, the ranking member, pushed for more clarity as the IOC decides when the games in Tokyo will be held in 2021. “Athletes deserve clear answers to when the games will be held and how their health will remain protected — not just at the Olympics themselves, but during the trials and training beforehand,” the statement read. “Clarity and transparency are vital steps to ensure the best possible outcome for the Tokyo Olympic Games.”Moran and Blumenthal sent a letter to IOC President Thomas Bach on March 11 to ask about the committee’s plan to prevent the spread of COVID-19 during the Tokyo Games. They also talked with U.S. Olympic and Paralympic Committee over health and safety of the athletes.___NASCAR has ordered staff pay cuts across its entire company until the series returns to racing.NASCAR President Steve Phelps sent a memo to employees Tuesday saying all officers will have a 25% reduction in salary, while all other employees will have their salary reduced by 20%. Budget expenses also have been frozen, and employees are being encouraged to use vacation. The Devils of the NHL and the Sixers of the NBA are owned by Josh Harris and David Blitzer, who are the founders of HBSE.___Modern pentathlon has canceled the remainder of its World Cup season and postponed the world championships from May to September or October.The four remaining World Cups — two in Sofia, Bulgaria, another in Budapest, Hungary, and the final in Seoul — had already been pushed to May and June but have now been officially canceled.The worlds, relocated from Xiamen, China, to Cancun, Mexico, and set for May 25-31, were rescheduled. The new dates were to be determined. The governing body cites priorities including “athlete wellbeing and maximizing opportunities for aquatics stars to compete at the highest level.”___The New Jersey Devils and Philadelphia 76ers have cut salaries for employees making more than $100,000 and put them on a four-day work week as the franchises deal with the impact of the coronavirus.Harris Blitzer Sports & Entertainment CEO Scott O’Neil announced the move in a letter posted on the Devils’ website.The cuts are scheduled to last for three months and will amount to roughly 6% of the employees’ yearly salary if the pandemic subsides.center_img ___World swimming body FINA says it will talk to the Japanese organizers of the 2021 world championships about a possible schedule clash with the Tokyo Olympics.The championships are planned for July 16-Aug. 1 in Fukuoka.If an exact one-year postponement for the Tokyo Olympics is agreed upon, it would take place July 23-Aug. 8.FINA says talks with Japanese officials will “determine flexibility around the dates of the competition, if necessary and in agreement with the IOC.” ___One of the key worldwide athlete groups that called for postponement of the Tokyo Games termed the IOC’s announcement a “bittersweet victory.”The group Global Athlete says it was appropriate for the International Olympic Committee to make the call Tuesday, instead of on a four-week timeline that it had suggested over the weekend. In a statement, the group said that while it commended the IOC for its decision, it also pressed the committee to engage with athletes while deciding on a new date for the Olympics.The statement said, “As shown over the past several weeks, no athletes, no Games.” California authorities have taken down the nets all along the Los Angeles-area beaches to discourage people from gathering. Walsh Jennings and her husband, beach volleyball pro Casey Jennings, put up a mini-net in their yard.Walsh Jennings says she understands why the IOC wanted to wait to make the decision.“Can you imagine making this decision after how many years and how much blood and sweat on a global level? People are having a problem calling off weddings, and calling off little tournaments, so imagine with all the billions of dollars that’s gone into this,” she said. “They have a grieving process to go through. They have so many moving parts to think about.”___Organizers of the 2024 Paris Olympics say the IOC and the Japanese government have ”chosen the best possible scenario” in postponing the Tokyo Games until next year. Associated Press Japanese Prime Minister Shinzo Abe says IOC President Thomas Bach has agreed “100%” to his proposal of postponing the Tokyo Olympics for about one year until 2021 because of the coronavirus outbreak.Bach had previously said the IOC would make an announcement about postponing the 2020 Olympics in the next four weeks.___Taiwan’s professional baseball league has set April 11 as the revised date for opening day.The start of the Taiwan-based Chinese Professional Baseball League’s season has been delayed twice this month because of the coronavirus pandemic. ___IOC president Thomas Bach says he did not discuss new dates for the 2020 Tokyo Olympics in talks with Japanese Prime Minister Shinzo Abe.One option would be July 23-Aug. 8. That is exactly one year from the now-postponed July 24-Aug. 9 dates.Bach says the exact dates is a question for the Tokyo organizing committee and an International Olympic Committee panel overseeing the preparations.Swimming and track have their biennial world championships scheduled to start in July or August 2021. NASCAR currently is suspended until May 9, a span costing the series seven of its elite Cup races. Phelps has vowed all will be rescheduled. NASCAR was four races into the season — the longest in sports at almost 11 months — when the coronavirus brought the series to a halt.___The Women’s Basketball Hall of Fame’s newest class won’t get inducted until next year.Women’s Basketball Hall of Fame officials have announced their scheduled June 13 induction ceremony has been postponed to June 12, 2021, at Knoxville, Tennessee, because of the pandemic.The induction class features Debbie Brock, Carol Callan, Swin Cash, Tamika Catchings, Sue Donohoe, Lauren Jackson and Carol Stiff. The 1980 U.S. Olympic women’s basketball team is to be honored as trailblazers of the game. The CPBL’s website says the opening game would go ahead in a closed stadium but there could be up to 150 season ticket holders allowed entry under strict social distancing guidelines if the government approves.Sports leagues across Asia have been postponed or suspended because of the virus outbreak. The professional baseball and soccer leagues in Japan are aiming to start or resume their seasons in late April.___Japan’s NHK public television says Prime Minister Shinzo Abe will propose a one-year postponement for the Tokyo Olympics during talks with IOC President Thomas Bach.Abe says a postponement is unavoidable if the 2020 Games cannot be held in a complete manner amid the coronavirus pandemic. ___Australian soccer’s A-League has suspended its season indefinitely because of the coronavirus outbreak.That brings an end to all professional football competitions in Australia and New Zealand.Football Federation Australia chief executive James Johnson says the latest measures imposed by the federal government made it impossible for the A-League to continue. The league had only a few regular-season games remaining before the playoffs. Johnson said the postponement will be reviewed on April 22.Johnson says “as a national competition played in all parts of Australia, as well as New Zealand, mission complicated became mission impossible.” Abe held telephone talks with Bach after IOC said it would make a decision on the Tokyo Games over the next four weeks.___The European club rugby finals in May have been suspended because of the coronavirus outbreak.Governing body European Professional Club Rugby announced the decision a day after a conference call by the board.The Champions Cup and second-tier Challenge Cup had already suspended the quarterfinals scheduled for next month. Now the semifinals on May 1-3 and the finals in Marseille set for May 22-23 are off. ___The Tokyo Olympics have been officially postponed until 2021.The International Olympic Committee along with Japanese Prime Minister Shinzo Abe and local organizers have decided that the Tokyo Games cannot go ahead as scheduled this year because of the coronavirus outbreak.The IOC says the games will be held “not later than summer 2021” but they will still be called the 2020 Tokyo Olympics.___ ___The U.S. Olympic track and field trials in Eugene, Oregon, will be rescheduled in the wake of the International Olympic Committee’s decision to postpone the 2020 Tokyo Games because of the spread of the coronavirus.TrackTown USA, the local organizing body, announced Tuesday that is working with USA Track & Field and the U.S. Olympic & Paralympic Committee on rescheduling the event, which was originally set to start on June 19.“Although it is not yet clear how long it may take to finalize a new date for the event, our Local Organizing Committee stands ready to welcome the best athletes in the country to the University of Oregon’s Hayward Field once a decision is reached,” TrackTown USA CEO Michael Reilly said in a statement.TrackTown USA is working on procedures for fans who already have purchased tickets to either retain them or apply for refunds. The world cycling calendar has been suspended since the outbreak of the new coronavirus. Officials have not decided whether the Tour de France will carry on this July, but most of the events leading up to the Grand Tour race have been canceled or postponed.___The Montreal Canadiens are temporarily laying off 60% of employees while the National Hockey League season is suspended.Groupe CH, which owns hockey’s most storied club, says the layoffs go into effect March 30. Groupe CH also is establishing a $6 million assistance fund that will enhance employment insurance to make sure employees receive 80% of their salary for the following eight weeks and be available for loans to employees.Owner Geoff Molson says: “We are working extremely hard to limit the impact this situation will have on our employees.” Governing body UIPM says it welcomed the decision to postpone the Tokyo Olympics and will finalize plans to revise qualification.___The track world championships in Eugene, Oregon, could be moved from 2021 to 2022 after the Olympics were postponed.World Athletics says it is talking with organizers about “alternative dates, including dates in 2022.”The championships in Eugene are due to run from Aug. 6-15, 2021. That would conflict with the Olympics if the same July-August slot as originally planned for 2020 is used next year.last_img read more

Unhappy birthday for Kohl Center

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first_imgOn the 10th anniversary of the Kohl Center, the Wisconsinwomen?s basketball team lost a heart breaker to the Michigan Wolverines inovertime, 79-73. After leading by as many as 11 points in the second half, theBadgers blew a late lead, setting the stage for a remarkable finish.With the game tied and less than 30 seconds remaining,Wisconsin’s Jolene Anderson drove to the lane and found point guard Rae LinD?Alie wide open. D’Alie made a three-pointer that appeared to seal a win for theBadgers with 10 seconds left in the game.However, in Michigan?s next possession, center KristaPhillips heaved a desperation shot from nearly half-court and made thegame-tying basket.?It was a lucky shot,? Phillips said. ?Luck ? that?s theonly word I can use to describe it.?Lucky or not, Phillips, a 6-foot-6 center, made her presencenoticeable throughout the game, especially down the stretch. She dominated theboards and the inside offensive game. She scored 15 points and grabbed sevenrebounds for the Wolverines.?It was a great shot when she hit it,? D?Alie said. ?Icouldn?t believe it when she threw it up. Right away I was like, ?Oh my gosh, Ican?t believe it,? but I immediately thought that when we went to overtime, wehad to score in the first two minutes, and we just couldn?t do that.?Anderson also had an impressive game, scoring 30 points andkeeping the Badgers in the game throughout regulation. But her wild 3-pointshot as time expired in the second period did not go, and she only scored threepoints in the following overtime period.Going into overtime, Wisconsin looked sluggish and forcedbad shots, allowing Michigan to take an early lead they never gave up.?Our team was a bit deflated and defeated going into thattimeout at the start of the overtime period,? UW head coach Lisa Stone said.?It kind of breaks your heart when emotions are going your way and then Phillipsmakes a deep, deep 3.?Throughout the game, the Badgers looked in control, butcould not put the game away. When they did not extend their lead, the Badgersallowed Michigan to create offensive opportunities and score points in thepaint and off of turnovers.?Like coach Stone always says, it was swinging our way,? Wisconsinsenior Janese Banks said. ?But, I mean, it?s the Big Ten, and nobody?s going toquit. … They just kept battling, and I think that at the same time. … Weneed to be more conscious during the game of things that could be potentialmomentum swingers.Before the game, Anderson was honored with a basketballpresented by UW athletic director Barry Alvarez. The ceremony commemorated herpassing of Barb Frank for the UW all-time scoring record in women?s basketball.last_img read more

2019 Angels spring training preview: outfield

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Jose Suarez’s rocky start sinks Angels in loss to Astros MOVE THEY COULD MAKEThere is not much wiggle room in the outfield. Obviously, Trout and Upton are locked in place. In right field, the Angels believe in Calhoun and Adell, so there is little motivation to wedge someone else in between, especially with the need to commit their financial resources to pitching. However, if they did want to add someone, Denard Span would be a good fit. He could provide some insurance if Calhoun doesn’t rebound. Also, he’s got a career .347 on-base percentage, including .341 last year in his age 34 season. A few weeks shy of his 35th birthday, Span is near the end but might be willing to accept a minor-league deal to compete as a fourth outfielder, more so than also-unsigned Adam Jones.Related Articles Angels offense breaks out to split doubleheader with Astros Angels’ Mike Trout working on his defense, thanks to Twitter Angels’ Shohei Ohtani spending downtime working in outfield Angels’ poor pitching spoils an Albert Pujols milestone Newsroom GuidelinesNews TipsContact UsReport an Error As the Angels head toward the first workout of spring training on Feb. 13, we are providing a breakdown of how they stand with their roster by position groups. Players acquired this winter include the method of their acquisition in parentheses. Today, the outfield. Previously, the rotation, bullpen and infield.2018 RECAPMike Trout was Mike Trout again last season, finishing second in the MVP race for the fourth time, to go along with the two times that he’s won the award. His 1.088 OPS was the best in the majors and the best in his career, and he added improved defense, as he focused on getting better jumps. In left field, Justin Upton had a difficult season to classify. Although he hit 30 homers and posted an .808 OPS, both much in line with his career averages, his season was marred by a .197 average with runners in scoring position and some defensive lapses. Right fielder Kole Calhoun had the most inconsistent season of them all, though. After a failed attempt to improve his swing last winter, Calhoun opened the season with a .174 average and .374 OPS for the first two months. He went on the disabled list, reworked his swing, and came back on fire for two months before a cold finish. Still, he had an .800 OPS for his final 87 games. The Angels had no viable fourth outfield option for most of the season because Chris Young struggled and then got hurt. Thanks to Trout, though, the Angels still managed a collective .806 OPS from their outfielders, fourth best in the majors.HOW IT LOOKS RIGHT NOWUpton and Trout obviously were not going anywhere. Although there were some reports that the Angels tried to trade Calhoun, his disappointing season and $10.5 million salary in 2019 made him unlikely to actually be moved. The Angels are banking on the same group producing even better this year. Their hopes for improvement mostly hinge on Calhoun and Upton. If Upton just produces the same aggregate numbers, but more of the hits come when runners are on base, he will be much more productive. And if Calhoun can recapture what he discovered about his swing when he was on the disabled list last year, he has a chance to be at least an average major league offensive right fielder, along with a well above average one defensively. This year the Angels’ leading fourth outfielder candidates are prospect Michael Hermosillo and Peter Bourjos (minor league free agent), who is returning for his second stint with the club.THE NEXT LAYERJo Adell is the Angels’ top prospect, and by all accounts the best prospect their system has seen since Trout. Adell, 19, was ranked as high as No. 2 in baseball when the annual preseason prospect rankings came out last week. He finished last season at Double-A, so he’s accomplished enough to be considered on the major league depth chart. It is likely that Adell will be the Angels’ everyday right fielder sometime in 2020, at the latest. If he gets off to a hot start and Calhoun slumps, though, it wouldn’t be a shock if Adell was in the majors sometime in 2019. read more

College football schedule Week 14: What games are on today? TV channels, times, scores for top 25

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first_imgTrevor Lawrence let this one fly 😲 pic.twitter.com/IA1pRnVeGm— ESPN (@espn) November 30, 201912:24 p.m.: Michigan is going to have a long day if it doesn’t figure out how to handle J.K. Dobbins.All @Jkdobbins22 on this [email protected] finds the end zone on their first possession of the game. 🌰🔥Sponsored by @exxonmobil pic.twitter.com/anpYVuBtAp— FOX College Football (@CFBONFOX) November 30, 201912:19 p.m.: South Carolina’s playing tough defense early.🚨 SOUTH CAROLINA STOPS CLEMSON ON 4TH AND GOAL 🚨 pic.twitter.com/MvSYSml3Kd— College GameDay (@CollegeGameDay) November 30, 201912:15 p.m.: Michigan out on the board first!7 plays, 75 yards. @UMichFootball marches down the field for the first touchdown of the game!Sponsored by @exxonmobil pic.twitter.com/NWoueEhw2f— FOX College Football (@CFBONFOX) November 30, 2019 Yes, there are games that will impact the College Football Playoff race, such as ranked meetings in The Game, Iron Bowl and Bedlam. But this extends beyond the postseason: Winners of Friday and Saturday’s top-25 games can count the season as a success with just a single victory over their rivals.Highlights from this week’s games include the top-10 showdown between No. 2 Ohio State and No. 10 Michigan and ranked matchups between No. 5 Alabama and No. 16 Auburn and No. 7 Oklahoma at No. 21 Oklahoma State. Other notable games include the Big Ten West-deciding game between No. 13 Wisconsin and No. 9 Minnesota and arguably the top Group of 5 game of the year in No. 18 Cincinnati at No. 17 Memphis.Here’s how you can tune in and watch it all:WEEK 14 PICKS: Straight up | Against the spreadCollege football schedule Week 14: What games are on today?Here’s the full schedule for Saturday’s Week 14 top-25 college football games, plus final scores and how to watch every game live.You can keep up with live scores and stats with SN’s live scoreboard.Saturday, Nov. 30GameTime (ET)TV channelNo. 1 Ohio State vs. No. 13 MichiganNoonFox, fuboTVNo. 3 Clemson vs. South CarolinaNoonESPNNo. 4 Georgia vs. Georgia TechNoonABCNo. 5 Alabama vs. No. 15 Auburn3:30 p.m.CBS, fuboTVRutgers vs. No. 10 Penn State3:30 p.m.Big Ten Network, fuboTVNo. 12 Wisconsin vs. No. 8 Minnesota3:30 p.m.ABCNo. 14 Baylor vs. Kansas3:30 p.m.ESPNOregon State vs. No. 14 Oregon4 p.m.Pac-12 Network, fuboTVNo. 16 Notre Dame vs. Stanford4 p.m.Fox, fuboTVTulane vs. No. 25 SMU4 p.m.ESPNUTexas A&M vs. No. 2 LSU7 p.m.ESPNNo. 23 Iowa State vs. Kansas State7 p.m.FS1, fuboTVColorado vs. No. 6 Utah7:30 p.m.ABCFlorida State vs. No. 11 Florida7:30 p.m.SEC NetworkNo. 7 Oklahoma vs. No. 21 Oklahoma State8 p.m.Fox, fuboTVHow to watch, live stream college football gamesThe Week 14 games involving ranked teams will be televised live on national TV, with games appearing on ESPN, ABC, CBS, CBS Sports Network, FOX, Fox Sports 1, NBC, ESPNU and ESPN+, as well as conference-focused channels such as the SEC Network and Big Ten Network.College football scores Week 14GameVirginia 39, No. 23 Virginia Tech 30No. 19 Iowa 27, Nebraska 24No. 17 Memphis 34 No. 18 Cincinnati 24No. 20 Boise State 31, Colorado State 24No. 22 Appalachian State 48, Troy 13No. 2 Ohio State 56, No. 10 Michigan 27No. 3 Clemson 38, South Carolina 3No. 4 Georgia 52, Georgia Tech 7No. 5 Alabama at No. 16 AuburnNo. 13 Wisconsin at No. 9 MinnesotaNo. 11 Baylor at KansasRutgers at No. 12 Penn StateOregon State at No. 14 OregonNo. 15 Notre Dame at StanfordTexas A&M at No. 1 LSUNo. 24 Navy at HoustonColorado at No. 6 UtahFlorida State at No. 8 FloridaNo. 7 Oklahoma at No. 21 Oklahoma StateWeek 14 college football highlights(All times Eastern)6:11 p.m.: Another massive play in the Iron Bowl. With Alabama striking, it’s Auburn that scores off of a 100-yard interception return.HOW DID THIS JUST HAPPEN!???!?!?! pic.twitter.com/lyJ2tkj465— CBS Sports (@CBSSports) November 30, 20195:36 p.m.: Notre Dame is back to take the lead over Stanford on the road. Chase Claypool went ALL THE WAY UP for this @NDFootball TD 🙌 pic.twitter.com/gdEnlRHakg— FOX College Football (@CFBONFOX) November 30, 20195:19 p.m.: Back and forth we go. Jaylen Waddle finds the end zone yet again for what’s been an explosive first half. Jaylen Waddle probably ran for this touchdown faster than the time it took to type out this tweet. pic.twitter.com/sQr2SrCBlL— CBS Sports (@CBSSports) November 30, 20195:14 p.m.: Auburn ties it up shortly before halftime with a beautiful catch. Sal Cannella. Bo Nix.This is pretty much a perfect play. pic.twitter.com/gaOrcGaoJn— CBS Sports (@CBSSports) November 30, 20195:08 p.m.: Alabama vs. Auburn is providing plenty of action. Crimson Tide have tied it back up at 17. Jaylen.Waddle.🤯pic.twitter.com/Rym08EZhL0— Sporting News (@sportingnews) November 30, 20194:31 p.m.: Alabama regains the lead with an 8-yard rush from Najee Harris. “Najee Harris does what Najee Harris does.” pic.twitter.com/coyn0kDKmm— CBS Sports (@CBSSports) November 30, 20194:13 p.m.: Auburn has its first points of the day to take the lead over Alabama. Bo Nix reaches the end zone on the quarterback keeper.Nix for six. pic.twitter.com/IT7W5Ade5R— CBS Sports (@CBSSports) November 30, 20193:50 p.m.: Minnesota is out to an early 7-0 lead over Wisconsin. It’s gross out there in Minneapolis.Someone forgot to tell @GopherFootball’s lethal pass-catch duo. pic.twitter.com/v5QSMvzkV6— Big Ten Network (@BigTenNetwork) November 30, 20192:57 p.m.: Michigan inching closer, but they’ll need to get a stop or two on defense to really get back in this.Wolverines go wildcat to make it 42-27 after a successful 2-point conversion! pic.twitter.com/0wcn8YMNkG— FOX College Football (@CFBONFOX) November 30, 20192:39 p.m.: Michigan turned the muffed punt into three points. Not ideal but better than giving up another score.〽️ @UMichFootball catches a break!Garrett Wilson muffs the punt and the Wolverines take over. pic.twitter.com/fwPBKyJYXJ— FOX College Football (@CFBONFOX) November 30, 20192:34 p.m.: Here’s how Ohio State’s day is going: Justin Fields goes down with an injury; later in the drive, on his first play back, he hits Garrett Wilson for a touchdown.Justin Fields walked off the field under his own power after suffering an apparent leg injury pic.twitter.com/UNEdAcALcJ— FOX College Football (@CFBONFOX) November 30, 2019Justin Fields scrambles and throws a 30-yard TD in his first play after returning from an apparent knee injury. @OhioStateFB fans, you can breathe now 😅 pic.twitter.com/3jCQp6Cssv— FOX College Football (@CFBONFOX) November 30, 20192:16 p.m.: It’s becoming less and less competitive. Wolverines need to score and steal a couple of drives away from the Buckeyes.KJ Hill gets in on the [email protected] leads Michigan 36-15 early in the second half. pic.twitter.com/IXkb6sKGNf— FOX College Football (@CFBONFOX) November 30, 20191:41 p.m.: These are the types of plays that can decide a game. Michigan ends up going with the field goal on fourth down to make it 28-13 heading into halftime.So close. Wow. pic.twitter.com/SzTKNYOIRw— Max Olson (@max_olson) November 30, 20191:27 p.m.: Dobbins scores his third touchdown of the half after Michigan gives Ohio State another set of downs; Wolverines jumped offsides on a punt.Not 1, Not 2…@Jkdobbins22 scores his THIRD TD of the first half for @OhioStateFB. 🔥 pic.twitter.com/oncJIczgoV— FOX College Football (@CFBONFOX) November 30, 20191:11 p.m.: Tough break for Shea Patterson; Michigan needed a score here. Now Michigan needs a [email protected] recovers the Shea Patterson red zone fumble. pic.twitter.com/ohJejdwa5T— FOX College Football (@CFBONFOX) November 30, 20191:11 p.m.: J.K.’s having himself a day to make it 21-13.🗣 J.K. ALL [email protected] takes a 21-13 lead thanks to @Jkdobbins22’s 2nd rushing TD of the day. pic.twitter.com/raWGxpprjX— FOX College Football (@CFBONFOX) November 30, 201912:55 p.m.: It’s turning into a bit of an aerial battle in The Big House. Shea Patterson finds Donovan Peoples-Jones for a wide-open touchdown to make cut Ohio State’s lead to 14-13.〽️ @UMichFootball [email protected] finds himself wide open in the middle of the field to get his first TD of the day. pic.twitter.com/9zCqSLpOfs— FOX College Football (@CFBONFOX) November 30, 201912:50 p.m.: Ohio State can pass the ball too. Just ask Justin Fields and Chris Olave.Justin Fields hits Chris Olave in [email protected] takes a 14-6 lead over Michigan. pic.twitter.com/rcLIbIQFii— FOX College Football (@CFBONFOX) November 30, 201912:45 p.m.: Clemson ahead comfortably with this long touchdown from Trevor Lawrence. The single-most important slate of games of the college football season is here: Rivalry Week.MORE: Watch NCAA football games live with fuboTV (7-day free trial)last_img read more