Wells Fargo (NYSE: WFC), Bank of America Corp. (NYSE: BAC) and J.P. Morgan Chase 8 Co. (NYSE: JMP) are launching a service Wednesday that will let people send money to one another from checking accounts using e-mail addresses or cell phone numbers, the Wall Street Journal reports. Read more here. Also we talk about a great effective tagline over at BillGuard.com. "Antivirus for your Bills" Facebook has partnered with Spotify on a music-streaming service that could be launched in as little as two weeks, sources close to the deal have told Forbes. Read more here. From there we talk about 2 important words in advertising... Listen Below