Podcasts about visa mastercard

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Best podcasts about visa mastercard

Latest podcast episodes about visa mastercard

B2B Vault: The Payment Technology Podcast
Sam Imperati, The Attorney That Fights For Your Business! | Biz To Biz Podcast

B2B Vault: The Payment Technology Podcast

Play Episode Listen Later Oct 4, 2025 32:25


In this episode of B2B Vault – The Biz To Biz Podcast, host Allen Kopelman welcomes Sam Imperati from ICM Resolutions to talk about practical strategies for resolving business and organizational conflicts.Sam shares how his coaching program helps leaders, executives, and family businesses navigate disputes quickly—often in 30 days or less. Unlike generic courses, his one-on-one approach digs into the root of each conflict, providing tailored tools you can implement right away.

EUVC
E602 | David Sutter, OpenTrade & Itxaso del Palacio, Notion: Stablecoin Yield, Real-World Assets & the Future of Embedded Finance

EUVC

Play Episode Listen Later Sep 27, 2025 51:45


Welcome back to another EUVC Podcast, where we gather Europe's venture family to share the stories, insights, and lessons that drive our ecosystem forward.Today we dive into the mainstreaming of stablecoin yield with David Sutter, CEO & Co-founder of OpenTrade, and Itxaso del Palacio, GP at Notion Capital. With $11M raised in just six months, transaction volumes already topping $200M, and growth at 20% month-on-month, OpenTrade is one of the fastest-scaling fintech infrastructure plays in Europe. But this is about much more than another fintech: it's about embedding yield into the financial internet, bridging stablecoins with real-world assets, and building institutional-grade trust for millions of users across Latin America and Europe.

Talk Commerce
Tim Tynan Reveals How Every Chargeback Tells a Story and chargeback management Best Practices

Talk Commerce

Play Episode Listen Later Sep 23, 2025 25:48


Episode DescriptionIn this episode, I sit down with Tim Tynan, CEO of Chargeback Gurus, to discuss the evolving landscape of chargeback management. We explore how merchants can better handle disputes, the significant changes coming with Visa's VAMP program, and the role of AI in payment processing. Tim brings decades of experience from IBM, Bank of America, and Citigroup to share practical insights for merchants dealing with chargebacks.Key Timestamps[00:02] - Introduction and guest background[01:18] - Baseball discussion (Yankees vs. Twins fans)[02:11] - Free Joke Project segment[02:40] - How to make chargebacks exciting - "Every chargeback tells a story"[04:30] - Common chargeback mistakes merchants make[06:12] - VAMP Program explained - Visa's consolidation of dispute and fraud programs[08:11] - Fraud prevention best practices and threshold management[09:57] - New VAMP ratios: 1.5% for merchants, 0.7% for acquiring banks[12:18] - Subscription model challenges - Best practices for recurring billing[15:51] - AI and chatbot impact on customer service and chargebacks[18:36] - The future of AI agents in commerce and dispute resolution[22:01] - Shameless plug for Chargeback Gurus[23:28] - Baseball wrap-up: Roger Clemens discussionKey Topics CoveredVAMP Program ChangesConsolidation of Visa Dispute Management Program and Visa Fraud Management ProgramNew combined ratios and thresholdsImpact on merchants and acquiring banksTimeline for full implementation (2026)Chargeback Best PracticesImportance of upfront documentationConsumer education and clear termsAccount verification methods (CVV, address verification)Quality control processesSubscription Business ModelsOpt-out capabilities as table stakesRegular customer remindersEducation and transparency requirementsBalance between business needs and consumer protectionAI and TechnologyMachine learning applications in chargeback managementHuman expertise vs. automation balanceQuality control and accuracy concernsPractical implementation approaches

Anime Explorations Podcast
Episode 35: Macross II

Anime Explorations Podcast

Play Episode Listen Later Aug 31, 2025 102:21


This month, we're covering the anime OVA that came out for the 10th anniversary of Macross, and was the first non-Robotech version of the Macross universe to reach the US, along with the Macross II tabletop RPG from Palladium Games. Before that, we get into the current situation ongoing with Visa & MasterCard blocking transactions for NSFW content due to pressure from a Far-Right-Wing Australian group. Note: I'm trying a new recording platform with this episode, and I ran into some technical difficulties that carried over to my backup recording. Consequently, my audio is impacted, but not necessarily the audio from my guest and cohosts. Next month, we watch Gankutsuou: The Count of Monte Cristo, which is currently available for streaming on Crunchyroll. Blaine can be found on the Babylon 5 30 Years Later Podcast (https://shows.acast.com/babylon-5-30-years-later), and the 99 Years 100 Films Podcast (https://shows.acast.com/99-years-100-films) Relevant Articles on the Visa/Mastercard Protest Campaign: https://www.wired.com/story/steam-itchio-are-pulling-porn-games-censorship/ https://www.eurogamer.net/itchio-deindexes-all-nsfw-games-blames-same-anti-porn-group-that-campaigned-against-steam https://aftermath.site/waypoint-quit-steam-vice https://fast.animenewsnetwork.com/news/2022-11-16/pixiv-announces-transaction-restrictions-for-unethical-content/.191953 https://fast.animenewsnetwork.com/news/2024-11-05/manga-library-z-digital-manga-service-shuts-down-on-november-26/.217539 https://automaton-media.com/en/news/nier-creator-speaks-out-against-payment-processors-pressuring-japanese-adult-content-platforms/ https://www.polygon.com/steam-paypal-issues-censorship-visa-mastercard/ https://yellat.money/ https://stop-paypros.neocities.org/ If you have comments on the podcast or on next month's anime, please send them to animeexplorationspod@gmail.com Opening: Donut by Anozira Bandcamp Link: https://anoziramusic.bandcamp.com/track/donut Used with permission Subscribe to the Podcast: https://feeds.libsyn.com/444780/rss Please support my Patreon: http://www.patreon.com/countzeroor Buy me a coffee at Ko-Fi: https://ko-fi.com/countzero Watch my Live-Streams on http://twitch.tv/countzeroor Watch my Let's Plays at https://www.youtube.com/@CountZeroOrPlays Chapters: 00:00:00 Start 00:00:05 Opening 00:03:04 News 00:04:10 Payment Processor FusterCluck 00:23:52 Macross II Discussion

Gameromancer, il podcast videoludicamente scorretto
Visa, Mastercard e la censura ai videogiochi – Checkpoint

Gameromancer, il podcast videoludicamente scorretto

Play Episode Listen Later Jul 31, 2025 66:33


Unisciti alla ribellione su Telegram – Iscriviti alla newsletter – Supportaci su Patreon Stanno cancellando UN SACCO di videogiochi e la destra muta. Ti hanno detto che Sweet Baby Inc. era il male, però adesso non ti parlano di Collective Shout. Su pressione di questa no-profit australiana che ha deciso di muovere guerra a tutti i contenuti Not Safe for Work dell'Internet, i principali circuiti di pagamento mondiale hanno rivisto le regole e gli standard richiesti alle piattaforme che vogliono usarli. E tu dirai "sticazzi se Mastercard non mi fa più comprare i porno". Solo che la cosa adesso si è tradotta in un'epurazione su Steam e su itch.io. Valve ha modificato le sue linee guida mettendo al bando i "contenuti che possono violare le regole e gli standard stabiliti dai sistemi di elaborazione dei pagamenti di Steam e dalle relative reti di carte e banche". Itch è stata anche più drastica, oscurando i contenuti Not Safe For Work in via preventiva. Non fare l'errore di pensare che tutto questo riguardi soltanto i giochini per pervertiti. Rischiano di sparire anche opere come He Fucked The Girl Out of Me, che racconta l'esperienza autobiografica di Taylor McCue parlando di sex working e identità di genere. Rischia di sparire Genital Jousting, che sembra un giochino di cazzi che si inculano a vicenda ma in realtà porta avanti un discorso lucidissimo sulla mascolinità. Rischia di sparire anche roba che non ha particolare dignità artistica e magari mi fa anche cagare dal punto di vista ideologico. Ma non è giusto che sparisca su pressione di una sola società. Ma soprattutto non è giusto che chi ha parlato di politicamente corretto quando Dragon Age The Veilguard e Sweet Baby Inc. erano due trend topic adesso si stia facendo i cazzi suoi in silenzio.

Radio
Сергей Миронов потребовал выдворять мигрантов из России за участие в предвыборной агитации / ЦБ пообещал установить разумный срок для зам

Radio "Spravedlivaya Rossiya"

Play Episode Listen Later Jul 31, 2025 3:26


1. Сергей Миронов потребовал выдворять мигрантов из России за участие в предвыборной агитации;2. Российские военные взяли под контроль город Часов Яр в Донецкой народной республике;3. Если слова «бывшего президента России» вызывают столь нервную реакцию у действующего президента США, значит, Россия находится на верном пути и продолжит отстаивать свои интересы;4. За минувшую ночь силы противовоздушной обороны уничтожили 32 беспилотных летательных аппарата Вооруженных сил Украины над регионами России;5. ЦБ пообещал установить разумный срок для замены Visa и Mastercard.Новости

2 Nerds In A Pod: A Video Game Podcast
Lawsuit on the Horizon – 2 Nerds In A Pod Ep. 350

2 Nerds In A Pod: A Video Game Podcast

Play Episode Listen Later Jul 30, 2025 61:53


Episode 350 where we talk the World Record Video Game Marathon, Motiram, The Visa Mastercard issue, a dragon on a mission, and more! This is probably your last chance to vote for us in the Podcast Awards!  You can vote for us from July 1 – July 31, by registering here.  You can vote for […]

Finscale
#290 - Jean-Paul Mazoyer (GIE CB) - CB vs Visa/Mastercard : l'autre guerre des rails

Finscale

Play Episode Listen Later May 24, 2025 35:14


Dans cet épisode de Finscale, je reçois Jean-Paul Mazoyer, Président du GIE Cartes Bancaires (CB), pour une plongée prospective dans l'univers des paiements en France et en Europe.Jean-Paul revient sur l'histoire et les spécificités du GIE CB, une infrastructure nationale de paiement qui incarne depuis 40 ans un modèle de souveraineté monétaire et d'interbancarité "à la française". Il décrypte le rôle du GIE, son fonctionnement et son positionnement face aux géants internationaux comme Visa ou Mastercard.L'échange se poursuit autour de l'avenir européen des paiements, de l'initiative EPI, en passant par les enjeux de coopération et d'indépendance dans un écosystème en pleine recomposition.Enfin, l'épisode explore les transformations d'usage (P2P, mobile, instantanéité), les interactions avec les fintechs et Big Techs, et les chantiers prioritaires de CB pour continuer à jouer un rôle central dans l'écosystème des paiements de demain.Un épisode pour mieux comprendre ce qui se joue dans nos portefeuilles, nos infrastructures et notre souveraineté.***************************Finscale, c'est bien plus qu'un podcast. C'est un écosystème qui connecte les acteurs clés du secteur financier à travers du Networking, du coaching et des partenariats.

Finscale
[EXTRAIT] #290 - Jean-Paul Mazoyer (GIE CB) - CB vs Visa/Mastercard : l'autre guerre des rails

Finscale

Play Episode Listen Later May 21, 2025 5:15


Il s'agit de l'extrait de l'épisode diffusé ce dimanche avec Jean-Paul Mazoyer, Président du GIE Cartes Bancaires (CB).***************************Finscale, c'est bien plus qu'un podcast. C'est un écosystème qui connecte les acteurs clés du secteur financier à travers du Networking, du coaching et des partenariats.

矽谷輕鬆談 Just Kidding Tech
S2E13 穩定幣 x AI 如何顛覆全球支付:它的 iPhone 時刻來了?

矽谷輕鬆談 Just Kidding Tech

Play Episode Listen Later May 18, 2025 34:57


想像一下,一個沒有信用卡、沒有銀行帳戶的自由工作者,靠著一個手機錢包,就能收錢、付錢、開公司,參與全球經濟。這不是幣圈夢想,是現在正在發生的事——而且速度比你想的還快。Visa、Mastercard、Stripe、Coinbase 全部動起來,穩定幣不再只是交易所裡的數字,而是開始吃掉傳統金流系統,甚至搭上 AI,準備讓「錢」自己跑流程、自己打 API、自己決定怎麼分帳。這集我們聊聊:

ZD Tech : tout comprendre en moins de 3 minutes avec ZDNet
Visa, Mastercard, PayPal ou encore AliPay remis en question en Europe

ZD Tech : tout comprendre en moins de 3 minutes avec ZDNet

Play Episode Listen Later Apr 11, 2025 3:05


C'est un projet ambitieux de l'Union européenne.Il s'agit de se libérer des géants américains et chinois du paiement, comme Visa, Mastercard, PayPal ou encore AliPay du côté de l'Empire du Milieu.Se passer des réseaux de paiement non européensPremier point, à l'heure de la guerre commerciale et tarifaire, il semble que les autorités européennes jugent que la dépendance aux entreprises étrangères spécialisées dans l'intermédiation du paiement est problématique.Et voici un exemple très concret pour comprendre ce qui chiffonne l'Europe.À chaque fois que vous utilisez votre carte Visa ou que vous réglez un achat via PayPal, vous passez par des réseaux qui ne sont ni européens ni souverains.Ces services sont américains, ou chinois dans le cas d'AliPay.C'est cette situation qui commence sérieusement à inquiéter Bruxelles, surtout dans un contexte de tensions géopolitiques et commerciales.La BCE prend les devantsEt c'est plus précisément la BCE, la Banque Centrale Européenne, qui prend les devants.Christine Lagarde, la présidente de la Banque centrale, a exprimé clairement sa volonté de bâtir une alternative européenne.L'objectif est de proposer un système de paiement local, sécurisé et indépendant, capable de concurrencer les géants actuels. Ce serait, selon ses mots, "un pas de plus vers l'indépendance économique de l'Europe".Vers un portefeuille numérique unifié en EuropeMais, et c'est le troisième point, se passer de Visa ou Mastercard n'est qu'un aspect de cette volonté d'indépendance européenne.Concrètement, l'Union européenne planche aussi sur un portefeuille numérique unifié.Celui-ci pourrait centraliser, sur nos smartphones, des documents comme la carte d'identité, le permis de conduire, mais aussi des moyens de paiement.Cette dynamique est déjà à l'œuvre en France où il est désormais possible de dématérialiser sur son smartphone sa carte d'identité, sa Carte Vitale, et prochainement son permis de conduire.Mais portée à l'échelle européenne, cette brique technologique pourrait accélérer l'intégration économique au niveau du Vieux Continent. Et rendre plus indépendant encore les européens des entreprises américaines et chinoises, qui proposent déjà des outils de stockage de documents dématérialisés.D'après les estimations du service de recherche du Parlement européen, une telle initiative pourrait générer jusqu'à 2800 milliards d'euros de PIB d'ici 2032.Le ZD Tech est sur toutes les plateformes de podcast ! Abonnez-vous !Hébergé par Ausha. Visitez ausha.co/politique-de-confidentialite pour plus d'informations.

Monos del Espacio
MdE - Bizum VS Visa & Mastercard

Monos del Espacio

Play Episode Listen Later Feb 24, 2025 11:01


Mejor red de podcast del mundo entero: SOSPECHOSOS HABITUALES https://feedpress.me/sospechososhabituales TISKRA - https://www.ivoox.com/feed_fg_f11248619_filtro_1.xml TWITCH - https://www.twitch.tv/jordillatzer?lang=es NEWSLETTER EL SEXTANTE: https://jordilltazer.substack.com/

All-In with Chamath, Jason, Sacks & Friedberg
The Stablecoin Future, Milei's Memecoin, DOGE for the DoD, Grok 3, Why Stripe Stays Private

All-In with Chamath, Jason, Sacks & Friedberg

Play Episode Listen Later Feb 21, 2025 105:41


(0:00) The Besties welcome John and Patrick Collison! (4:28) Stripe's business evolution: $1T in volume/year, stablecoins, challenging the Visa/Mastercard duopoly, publishing economic indicators (20:31) Jamie Dimon's leaked rant on remote work and bureaucracy (34:22) DOGE for Defense: Trump ordered the Pentagon to look at cutting the defense budget by 8%/year over the next five years (43:51) Crypto Corner: Milei's Memecoin embarrassment (1:00:18) John and Patrick break down the Arc Institute and its new Evo 2 AI model (1:18:04) Grok 3 takes the LLM lead, lessons learned from Elon's Colossus scale up (1:30:22) Science Corner: Asteroid update (1:35:42) Why Stripe hasn't gone public yet, despite great metrics Register for All-In at SXSW: https://allin.com/events Follow John: https://x.com/collision Follow Patrick: https://x.com/patrickc Follow the besties: https://x.com/chamath https://x.com/Jason https://x.com/DavidSacks https://x.com/friedberg Follow on X: https://x.com/theallinpod Follow on Instagram: https://www.instagram.com/theallinpod Follow on TikTok: https://www.tiktok.com/@theallinpod Follow on LinkedIn: https://www.linkedin.com/company/allinpod Intro Music Credit: https://rb.gy/tppkzl https://x.com/yung_spielburg Intro Video Credit: https://x.com/TheZachEffect Referenced in the show: https://www.cnbc.com/2024/10/23/stripes-1point1-billion-deal-for-bridge-marks-much-needed-win-for-vc.html https://x.com/Zigmanfreud/status/1890202488596492620 https://www.coworker.org/petitions/professional-dignity https://www.bloomberg.com/news/articles/2023-01-03/shopify-ceo-tobi-lutke-tells-employees-to-just-say-no-to-meetings https://www.washingtonpost.com/national-security/2025/02/19/trump-pentagon-budget-cuts https://www.amazon.com/Boyd-Fighter-Pilot-Who-Changed/dp/0316796883 https://www.cnn.com/2025/02/16/americas/argentina-milei-libra-cryptocurrency-impeachment-calls-intl-latam/index.html https://www.cnn.com/2025/02/18/americas/argentina-milei-defends-libra-crypto-tweet-intl-latam/index.html https://arcinstitute.org https://blogs.nvidia.com/blog/evo-2-biomolecular-ai https://artificialanalysis.ai/models/grok-3 https://x.com/GavinSBaker/status/1891721991444447343 https://www.amazon.com/Henry-J-Kaiser-Builder-American/dp/0292742266 https://x.com/AsteroidWatch/status/1892338055354159256 https://x.com/AsteroidWatch/status/1892631907646447746

Goldesel x Investflow - Aktientalk
Apple mit starken Zahlen aber..../ Zahlen bei Meta, Visa, Mastercard & Intel

Goldesel x Investflow - Aktientalk

Play Episode Listen Later Feb 1, 2025 38:00


Sat, 01 Feb 2025 06:55:00 +0000 https://podcast9d261b.podigee.io/152-new-episode c335938bbd27e5a020ed139da6991942 JETZT Gratis Telekom Aktie sichern, hier gehts zum Smartbroker+ : https://dwbdiv.smartbrokerplus.de/ts/94450/tsc?typ=r&amc=aff.smartbrokerplus.527207.544089.CRTRU4Kn5c3 full no Michael Flender & Daniel Wassmer

La Estrategia del Día
Aranceles ¿qué esperar? PIB de México en picada, Visa, Mastercard y OpenAI

La Estrategia del Día

Play Episode Listen Later Jan 31, 2025 16:49


Puede ser un fin de semana crucial para la economía de Norteamérica, mantras tanto en México, se observará el PIB y el déficit fiscal en medio del contexto arancelario. También hay datos de crecimiento en EE.UU, tasas en Europa, los reportes de otros dos gigantes financieros y la búsqueda de más capital para inteligencia artificial. 

MONEY FM 89.3 - Your Money With Michelle Martin
Market View: Apple, Microsoft, Meta, Tesla, Intel, Las Vegas Sands, Marina Bay Sands, Alibaba, Toyota, Singapore Airlines, Visa, Mastercard, Adani Enterprises, UPS

MONEY FM 89.3 - Your Money With Michelle Martin

Play Episode Listen Later Jan 31, 2025 24:52


Join Michelle Martin on her tour of markets! Asia-Pacific markets are trading higher, with Sydney up nearly 0.75% and Tokyo in the green. Michelle discusses Apple's impressive earnings, despite challenges in China, and breaks down the latest from Microsoft, Meta, and Tesla. Las Vegas Sands faces a revenue dip, with Macau struggling, while Marina Bay Sands expands. The AI race heats up with new competition from China's DeepSeek, and insights on Toyota's global dominance and Singapore Airlines' top ranking. Hear Michelle Martin discuss the latest in markets with Ryan Huang.See omnystudio.com/listener for privacy information.

Off the Record on the Rocks
E95: Have You Been Involved in Breaking Up the Visa + Mastercard Monopoly?

Off the Record on the Rocks

Play Episode Listen Later Dec 16, 2024 44:38


Credit card companies were the cornerstones of “The Golden Age of Capitalism”, opening up transaction opportunities in the post-war era (1945-1973). BUT, you can't hide from Uncle Sam forever! Visa ‘future credit dollars' will no longer de-dollarize the american economy, no more 50% profit margins! Perfect  timing as the Strategic Bitcoin reserve takes shape at Federal & State levels. Will American Bitcoin get F.D.I.C. insurance? So many stories to unpack and more!

La Martingale
#241 - Visa, Mastercard, Amex : quelle est la meilleure carte bancaire ? - Maxime Chipoy

La Martingale

Play Episode Listen Later Nov 28, 2024 74:59


Le sujet :Choisir sa carte bancaire, c'est un parcours du combattant. Entre la banque, le modèle, les fonctionnalités, le tarif : les possibilités sont infinies. Pourtant, savez-vous qu'un mauvais choix peut coûter très cher sur le long terme ?L'invité du jour :Maxime Chipoy est le dirigeant de MoneyVox, un média qui propose des articles sur la banque et les finances personnelles depuis 2003.Au micro de Matthieu Stefani, Maxime Chipoy nous explique comment bien choisir sa carte bancaire : Les cartes de crédit sont-elles utiles ou risquées ?Doit-on se tourner vers une banque en ligne ?Faut-il craquer pour une carte premium ?Quels sont les frais à éviter ?Quel modèle choisir ?Ils citent les références suivantes :SumeriaGreen GotHeliosLes newsletter de MoneyVoxLe domaine Le MezoAinsi que d'anciens épisodes de La Martingale :L'épisode #70 avec Mounir Laggoune : Chasser les frais cachés pour exploser ses performancesOn vous souhaite une très bonne écoute ! C'est par ici si vous préférez Apple Podcasts, ou ici si vous préférez Spotify.Et pour recevoir toutes les actus et des recommandations exclusives, abonnez-vous à la newsletter, c'est par ici.La Martingale est un podcast du label Orso Media.Merci à notre partenaire Amundi, leader européen de la gestion d'actifs. Découvrez les solutions d'investissements adaptées à vos projets sur amundi.fr

Anime Jam Session
#655: I Suppose It's Coming Down to the Wire.

Anime Jam Session

Play Episode Listen Later Nov 13, 2024 80:37


A voice actor quits over Crunchyroll's abuse,VIZ Media is in the top 10 manga piracy copyright takedowns on Google, and Crunchyroll/Funimation has made over 45 million URL takedown requests! Also, My Hero Academia drops a visual to celebrate 100 million manga copies, a dojin store chain to halt Visa/Mastercard payments starting in December, and Trials of Mana gets a live-action adaptation! Meanwhile in Japan, a blog post in 2016 led to an official military report on the legality of deployment against Godzilla: King of the Monsters, and pagers are back, with a twist... --- Support this podcast: https://podcasters.spotify.com/pod/show/animejamsession/support

Minimum Competence
Legal News for Thurs 10/31 - SCOTUS Doesn't Explain VA Voter Removal Decision, Trump's Mail-in Ballot Lawsuit in PA, Musk in Philly Court and a Legal Dispute over Attorney Fees

Minimum Competence

Play Episode Listen Later Oct 31, 2024 6:22


This Day in Legal History: Nevada Joins the Union by TelegraphOn October 31, 1864, Nevada was admitted as the 36th state of the United States, a remarkable feat as the entire Nevada state constitution was sent to Washington, D.C. by telegraph. This move, a workaround to secure swift approval, resulted in the longest and most costly telegram of its time, spanning over 16,000 words. Nevada's expedited entry into the Union was driven by urgent political motivations: President Abraham Lincoln, up for re-election, sought the state's support for his war policies and for the proposed 13th Amendment, which aimed to abolish slavery nationwide. The telegram cost nearly $4,000, a vast sum at the time, equivalent to over $65,000 today, underscoring the importance of Nevada's statehood in the context of the Civil War and the Union's priorities.Nevadans had moved quickly to draft their constitution, striving to meet the requirements for statehood by the October deadline. Officials feared delays from the traditional route of sending documents by train or stagecoach, so they opted for the more reliable telegraph, despite the high expense. On the eve of Lincoln's re-election campaign, Nevada's admission helped solidify the Union's stance and reflected Lincoln's strategy to add states sympathetic to his policies. With the telegraphed constitution, Nevada became a “battle-born” state, joining the Union at a time when its allegiance to the Union cause was invaluable. The U.S. Supreme Court recently allowed Virginia to remove around 1,600 voters from its rolls just before an election, stirring criticism from voting rights advocates who called it a misuse of the shadow docket. The decision stayed lower court rulings that found Virginia's policy violated federal law by not respecting a required 90-day "quiet period" before elections, during which systematic voter removals are prohibited. Although the court's conservative majority approved the purge, neither the majority nor dissenting justices explained their reasoning, leaving observers unclear if the decision was based on a legal disagreement or if it was influenced by the Purcell principle, which discourages election-related changes close to voting.The case stemmed from an August executive order by Governor Glenn Youngkin mandating daily voter roll updates based on DMV citizenship data, shifting from a monthly process. Lower courts had sided with the Biden administration and voting groups in blocking this purge, but the Supreme Court's quick, unexplained intervention left little clarity. Critics argue that such opaque, rapid rulings—typical of the shadow docket—are problematic, as they provide no legal guidance and can cause voter confusion, particularly given that such actions seem to contradict the Purcell principle, meant to avoid last-minute electoral disruptions.Justices Cause Confusion With No Voting Purge Ruling ExplanationThe Trump campaign filed a lawsuit against Bucks County, Pennsylvania, alleging that election officials turned away voters attempting to request mail-in ballots. According to claims circulated by Trump supporters on social media, some voters left empty-handed after waiting in long lines. County officials attributed the issues to a "miscommunication" and said that people briefly were told they couldn't be accommodated. Pennsylvania Judge Jeffrey G. Trauger granted a preliminary injunction extending the deadline to apply for a mail-in ballot to November 1, finding that the county's actions violated the state's election code.In Pennsylvania, there is no early in-person voting, but voters can apply for mail-in ballots in person, which led to long lines at Bucks County application sites. The lawsuit, supported by the Republican National Committee, the Pennsylvania GOP, and Senate candidate David McCormick, is part of broader efforts in the key battleground state, where polls show close competition between Trump and Kamala Harris. County officials clarified that voters in line by 5 p.m. would be accommodated and assured voters they could pick up their mail-in ballots later in the week if needed.Trump Campaign Sues in Philly Suburb Over Mail-In Ballots (1)Elon Musk has been summoned to a Pennsylvania court regarding Philadelphia District Attorney Larry Krasner's attempt to halt Musk's $1 million-a-day giveaway aimed at registered voters in swing states before the November 5 U.S. election. The giveaway, backed by Musk and America PAC, offers cash to randomly selected individuals who sign a petition supporting free speech and gun rights, as long as they are registered voters in key states like Pennsylvania, Georgia, and Wisconsin. Krasner's lawsuit claims the program constitutes an “illegal lottery” unauthorized by the state and suggests it violates consumer protection laws by allegedly misrepresenting the rules.The legal challenge, set to be addressed by Judge Angelo Foglietta, focuses on state law violations, though legal experts note potential federal implications if the initiative is seen as incentivizing voter registration or influence. Although the U.S. Department of Justice warned Musk's group about possible federal issues, no federal charges have been filed. The initiative has become a major component of Trump's campaign, with Musk providing significant financial backing and voicing public support for the former president.Musk due in court as $1 million voter giveaway faces courtroom test | ReutersA new lawsuit reveals tensions over legal fee-sharing following a massive $5.6 billion settlement in an antitrust case against Visa and MasterCard over credit card swipe fees. Scott + Scott, a law firm involved in the case, is suing co-counsel Robins Kaplan for allegedly reneging on an agreement to pay Scott + Scott $5 million from its share of the settlement fees, ensuring the firm would receive $20 million. This dispute stems from a 2015 informal fee-sharing agreement tied to another case where Robins Kaplan received $50 million in fees.Last year, the 2nd Circuit upheld the $523.2 million attorney fees in the Visa-MasterCard case, allocated to several law firms involved. However, Scott + Scott claims it was only allocated $15 million by Robbins Geller and that Robins Kaplan is now refusing to pay the agreed $5 million difference. The case highlights how class action firms sometimes rely on informal agreements to share fees, which are typically not disclosed. Legal experts note that courts prefer to avoid such disputes after approving settlements and fees. Additionally, Scott + Scott's lawsuit may be complicated by the involvement of Patrick Coughlin, an antitrust lawyer who previously worked with Robbins Geller but later joined Scott + Scott.Legal Fee Tracker: Lawsuit reveals fight over awards after $5.6 bln 'swipe fees' settlement | Reuters This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

PNN America
UNEDITED EDITION - CATERDAY, POKEMON, VISA MASTERCARD AND LOLI, MULTIPLE WIVES

PNN America

Play Episode Listen Later Aug 4, 2024 25:04


POL NEWS CENTRAL (DAILY NEWS EXCEPT SUNDAY): https://www.polnewscentral.com/ Aftershow Stream: https://cytu.be/r/PNNMovieNight Live show 8PM EST: https://odysee.com/@PNNAmerica/PNNAmericaLiveFeb --- Help by supporting the show: Bitcoin: bc1q775yrp0az9e88yp3nzg0a5p7nzgex0m7e8xcdk Dogecoin: DS1Fp4wmQ1jdbYj4cqi3MJNWmzYe6tt9w4 Monero: 88Lu29Fsa6vHpnaNy87oiD5hmbb8g6bFEdTDsppgeGGY6wyBrJSeb7eeyGivAcTQEjPUwVuMrnWdFReRD3qTSuxDBEzanBf --- MY Website! (Book included): https://www.pnnamerica.com ---

Merchant Sales Podcast
$30 Billion Legal Settlement Between Visa-Mastercard and Merchants

Merchant Sales Podcast

Play Episode Listen Later Jun 21, 2024 49:48


This week James & Patti interview industry attorneys James Huber and Matt Luciani on the proposed $30 billion legal settlement Visa and Mastercard just inked with retailers to make a longstanding lawsuit go away. Then James interviews uber-salesman Rich Norton on mastering the one-call close, and Patti reports on research into consumer and business payments preferences.

The BIGCast
Algorithmic Discrimination- and Other Sci-Fi-Sounding Terms Relevant Today

The BIGCast

Play Episode Listen Later Jun 18, 2024 37:12


So much news, so little time: John and Glen unravel Colorado's new Artificial Intelligence Act, Apple's hookup with OpenAI to fuel its own systems and the apparent unraveling of Visa/Mastercard's merchant settlement. Plus, watching Siri age in warp speed.   Links related to this episode:   Law Firm Mayer Brown's synopsis of Colorado's AI Act: https://www.mayerbrown.com/en/insights/publications/2024/06/colorado-governor-signs-comprehensive-ai-bill  Colorado Public Radio's take on the state law: https://www.cpr.org/2024/06/17/colorado-artificial-intelligence-law-implementation-ramifications/  Javelin Research on the imperiled Visa/Mastercard settlement: https://www.paymentsjournal.com/visa-mastercard-settlement-unlikely-to-be-approved/  Marketing Dive summarizes Apple Intelligence and the OpenAI link: https://www.marketingdive.com/news/apple-intelligence-ai-openai-chatgpt-partnership-wwdc/718539/  The BBC's view from overseas (including Elon's disses): https://www.bbc.com/news/articles/c4nn5mejl89o  Tim Cook interviewed by Marques Brownlee: https://www.youtube.com/watch?v=pMX2cQdPubk    Check out BIG's AI Development offerings, enabling credit unions to streamline operations, amplify member experiences and capture new opportunities in the digital financial landscape. https://www.big-fintech.com/Products-Services/AI-Development  Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Minimum Competence
Legal News for Fri 6/14 - Big Law Comes to Boston, New FERC Commissioners, Senate Bill Creating New Judgeships and Visa/Mastercard Settlement in Question

Minimum Competence

Play Episode Listen Later Jun 14, 2024 17:58


This Day in Legal History: Flag Statutes in Public SchoolsOn this day in legal history, June 14, 1943, the US Supreme Court issued a landmark decision in West Virginia State Board of Education v. Barnette, profoundly impacting the rights of individuals in public schools. The case arose when Jehovah's Witnesses challenged a West Virginia mandate requiring students to salute the American flag and recite the Pledge of Allegiance, actions contrary to their religious convictions. The Court ruled that forcing students to participate in patriotic rituals violated their First Amendment rights to freedom of speech and freedom of religion. Justice Robert H. Jackson, writing for the majority, asserted that compelling students to salute the flag was a form of coerced speech that infringed upon their individual liberties. The decision overturned the 1940 ruling in Minersville School District v. Gobitis, which had upheld mandatory flag salutes. Jackson famously stated, "If there is any fixed star in our constitutional constellation, it is that no official... can prescribe what shall be orthodox in politics, nationalism, religion, or other matters of opinion."This ruling reinforced the principle that the government cannot force individuals to express beliefs they do not hold. It underscored the protection of individual freedoms against state-imposed conformity, significantly shaping the interpretation of First Amendment rights in the educational context. The Barnette decision remains a cornerstone in American constitutional law, symbolizing the enduring protection of individual liberties in the face of governmental authority.Large national law firms are increasingly establishing offices in Boston, potentially overshadowing local firms that have operated regionally for decades. This year, Simpson Thacher & Bartlett, Paul Hastings, and Blank Rome announced new Boston offices, while Covington & Burling, Arnold & Porter, and Akin Gump Strauss Hauer & Feld did so last year. In a notable move, Goodwin Procter recently recruited a five-partner tech and life sciences team from Cooley in Boston, signaling a consolidation trend in legal services within these sectors. The health and energy industries have remained strong in a sluggish deals market, bolstered by the financial strength of health care giants and incentives from the Inflation Reduction Act.The number of law firm openings in Boston has surged over the past decade, with over 40 firms establishing a presence since 2016. This influx includes regulatory-focused firms like Covington and UK-based Magic Circle firms such as Allen & Overy. As large firms move in, regional firms face the risk of losing talent and clients.Despite these developments, the efforts of new Big Law entrants in Boston remain in their early stages, with firms like Simpson Thacher planning deliberate growth to tap into the city's talent pool.Big Law Firms Eye Boston to Tap Hot Tech, Health Care MarketsThe Federal Energy Regulatory Commission (FERC) has three new commissioners, which could influence the review process for natural gas pipelines and liquefied natural gas (LNG) terminals. Industry advocates argue these projects are essential to meet rising electricity demand, while environmental groups push for rejection due to the long-term climate impacts of fossil fuels. The newly confirmed commissioners—Democrats David Rosner and Judy Chang, and Republican Lindsay See—join FERC at a critical time. With Commissioner Allison Clements' upcoming departure, FERC will regain a 3-2 Democratic majority for the first time in 18 months.Historically, FERC's decisions on natural gas have been contentious, with a 2022 policy to scrutinize gas projects leading to the end of former Chairman Richard Glick's tenure. The new commissioners have indicated a focus on gas infrastructure, despite past environmental concerns. Chang, for example, moderated her previous stance against new gas pipelines during her confirmation hearing.FERC's decisions are crucial amid growing electricity demands, driven by factors like artificial intelligence and increased manufacturing. Natural gas consumption is at record highs, and new power generation, particularly from gas, is necessary to meet future needs. However, permitting reviews and litigation have slowed the expansion of pipeline capacity. Industry experts stress the need for regulatory certainty to align infrastructure with demand, a sentiment echoed by the Interstate Natural Gas Association of America. The new FERC commissioners face the challenge of balancing these competing interests as they begin their terms.Divisive Gas Reviews Pose Early Test for New FERC CommissionersOn June 13, the U.S. Senate Judiciary Committee advanced bipartisan legislation to create 66 new judgeships in federal district courts across states like California, Delaware, and Texas. This marks the first major judiciary expansion in over three decades. The committee's unanimous 20-0 vote moves the JUDGES Act to the full Senate for consideration. If enacted, it will be the first comprehensive authorization of new judges since 1990, addressing longstanding requests to manage rising caseloads in 25 district courts nationwide.The last time new judgeships were created was in 2003, but efforts to expand the federal bench have since stalled due to partisan concerns. The current bill mitigates these concerns by incrementally adding the new judicial seats over ten years, starting in January 2025, after the 2024 presidential election. This phased approach aims to prevent any single party or president from gaining an advantage.Democratic Senator Chris Coons, a co-sponsor of the bill, emphasized the urgency of expanding the federal bench to address the growing backlog of court filings since 1990. The JUDGES Act aligns with recommendations from the Judicial Conference, seeking to add judges in districts facing a "genuine crisis of workload."U.S. District Judge Robert Conrad expressed the judiciary's appreciation for the Senate's efforts. The judiciary currently has 677 authorized district court seats and 10 temporary ones, which another Senate-passed bill aims to make permanent.Initially opposed to adding more judges, Republican Senator Chuck Grassley supported the bill after amendments spread the additions over time. The JUDGES Act now plans to introduce the 66 new judgeships in five stages through 2035, with three temporary judgeships in Oklahoma.A companion bill is pending in the Republican-led House of Representatives, backed by Representative Darrell Issa, chair of the House Judiciary Committee's panel on courts.US Senate panel advances bipartisan bill to create new judgeships | ReutersThe proposed $30 billion antitrust settlement between Visa and Mastercard to limit credit and debit card fees for merchants is in jeopardy. U.S. District Judge Margo Brodie in Brooklyn indicated she is likely to reject the settlement, citing her intent to write an opinion detailing her decision. Both Visa and Mastercard expressed disappointment, describing the settlement as a fair and appropriate resolution to the nearly 19-year-old litigation.Announced on March 26, the settlement aimed to address most claims from nationwide litigation, with small businesses making up over 90% of the settling merchants. Businesses have long argued that Visa and Mastercard's swipe fees, which totaled $172 billion in 2023, are excessive and that the card networks illegally prevent them from steering customers to cheaper payment methods. The settlement proposed reducing swipe fees by at least 0.04 percentage points for three years, capping rates for five years, and removing anti-steering provisions.However, objectors, including the National Retail Federation, criticized the settlement as insufficient, arguing that it would still allow Visa and Mastercard to control swipe fees and prevent future claims by merchants. The case, known as In re Payment Card Interchange Fee and Merchant Discount Antitrust Litigation, is being heard in the U.S. District Court for the Eastern District of New York.Visa, Mastercard $30 billion fee settlement in peril | ReutersThis week's closing theme is by John David Davis.John David Davis (22 October 1867 – 20 November 1942), often known as J. D. Davis, was an English composer born in Edgbaston, near Birmingham. Although he was born into a musical family, Davis was initially sent to Frankfurt to prepare for a commercial career. However, his passion for music led him to study under Hans von Bülow. Davis completed his education in Germany before furthering his studies in Brussels with Léopold Wallner, Arthur De Greef, and Maurice Kufferath.Upon returning to Birmingham in 1889, Davis began teaching music, notably at the Birmingham and Midland Institute from 1893 to 1904. In 1905, he joined the Guildhall School of Music as a professor of harmony and composition and also served as Professor of Solfège at the International Conservatoire in London.In 1919, Davis married Helen Winifred Juta, the daughter of South African judge Henry Juta. The couple lived in Earls Court, London, before moving to Lisbon in 1936. Davis passed away in Estoril, Portugal, in 1942, and his wife later returned to South Africa, where she died in 1952.This week's closing theme is John David Davis' evocative piece, "Summer's Eve at Cookham Lock, Op. 50." Composed in 1916 for the London String Quartet, this work captures the serene beauty of a summer evening at Cookham Lock. Known for its lyrical quality and gentle atmosphere, "Summer's Eve at Cookham Lock" offers a tranquil auditory experience.The piece, also known as an Idyl for string quartet, demonstrates Davis' ability to paint a vivid picture through music. Its delicate melodies and harmonies reflect the calm and reflective mood of a summer evening by the water. This composition stands as a testament to Davis' skill in creating evocative and picturesque musical landscapes, making it a fitting and soothing choice for this week's closing theme. Enjoy. This is a public episode. If you'd like to discuss this with other subscribers or get access to bonus episodes, visit www.minimumcomp.com/subscribe

#BeardyCast: гаджеты и медиакультура
Как банки в России стали IT-компаниями и будущее финтеха

#BeardyCast: гаджеты и медиакультура

Play Episode Listen Later May 12, 2024 104:54


Для эпизода подкаста про «Историю денег» мы записали больше интервью с Борисом Ведерниковым, лидером команды интернет-банка «Точка». С Борисом мы подробно поговорили про историю развития и становления банковской сферы в России, актуальные сегодня технологические тренды в этой сфере, а также обсудили много внутрянки из жизни банка. Получился объемный разговор, который мы решили не оставлять в ящике пылиться и опубликовать в виде отдельного эпизода. Приходите работать к Борису в «Точку»: https://tochka.com/hr/ Видео-версия — https://youtu.be/BuTOb1MyCaY Таймкоды: 00:00:00 — Вступление 00:02:07 — Развитие банковских услуг в России через теорию нулевого интерфейса 00:05:16 — Какие IT-решения больше всего повлияли на банковскую сферу 00:08:20 — Чем обеспечены деньги на счетах клиентов банков 00:11:51 — Банки стали IT-компаниями или IT-компании стали банками? 00:22:15 — Зачем в банковских приложениях повсеместно появились «Истории» 00:25:20 — Даем определение, что такое «Финтех» в современном мире 00:33:18 — Как так получилось, что в России так развита финансовая инфраструктура 00:37:08 — Заслуженные респекты российскому ЦБ 00:44:20 — Как банк взаимодействует с ЦБ 00:49:00 — Могут ли в реальности произойти события из сериала mr.Robot, где был уничтожен реестр с кредитными данными всех жителей Земли 00:57:54 — Как проходят транзакции между банками внутри страны и между странами 01:06:20 — Разбираемся с цифровыми валютами 01:10:24 — Стоит ли обывателю с паранойей слежки бояться введения цифровых валют? 01:09:30 — Разбираемся по шагам, как проходит платеж с телефона в «Пятерочке» 01:21:20 — Где на этом пути банки зарабатывают деньги, и почему вас все чаще просят платить по QR-коду 01:27:45 — Зачем банкам нужны платежные системы, когда они могут между собой договариваться сами 01:29:17 — Насколько МИР заменил Visa и Mastercard 01:34:50 — Зачем банкам тогда свои платежные системы? 01:35:50 — Могут ли биометрические данные быть скомпрометированы? 01:43:30 — Завершение и прощание  

pr robots telegram qr visa mastercard telegram telegram beardycast
Bank On It
Episode 615 Robert Kraal from Silverflow

Bank On It

Play Episode Listen Later May 2, 2024 31:54


This episode was produced remotely using the ListenDeck standardized audio & video production system. If you're looking to jumpstart your podcast miniseries or upgrade your podcast or video production please visit www.ListenDeck.com. You can subscribe to this podcast and stay up to date on all the stories here on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio. In this episode, the host John Siracusa had a remote chat with Robert Kraal, Co-Founder of Silverflow.  In this interview they discuss the company's role as an acquirer processing platform, particularly the need for a modern technical solution to connect payment providers to card networks like Visa & MasterCard.  Subscribe now on Apple Podcasts, Google Podcasts, Stitcher, Spotify, Amazon and iHeartRadio to hear next Thursdays episode with Ankur Joshi from Nuclei. About the host: John is the founder of ListenDeck a full-service podcast and video production company, which has produced over 1500 episodes of various podcasts. He is the host of the ‘Bank On It' podcast, which features over 600 episodes starring high profile fintech leaders and entrepreneurs. Follow John on LinkedIn, Twitter, Medium

The BIGCast
Preparing for the 3 M's of AI, and Other Big Ideas

The BIGCast

Play Episode Listen Later May 1, 2024 35:22


Glen shares interviews with Saisi Peter, Co-Founder of Casap, the 2024 winner of NACUSO's Next Big Idea competition, and Anne Legg of Thrive Strategic Services outlines the steps credit unions must take to prepare for Generative AI. Also- Stripe unbundles and the NRF gets cranky (is that news?)    Links related to this episode:   Next Big Idea winner Casap: https://casaphq.com/  Thrive Strategic Services: https://www.anneleggthrive.com/  Replay of the full CU Town Hall featuring Anne Legg discussing credit unions' preparedness for Generative AI: https://www.big-fintech.com/Media?p=cu-town-hall-episode-114  Next Big Idea runner-up Debbie's partnership with MSUFCU: https://www.joindebbie.com/articles/debbie-launches-debt-payoff-rewards-with-msufcu  Story on Stripe's decoupling of its payment services: https://fintechmagazine.com/articles/strategy-shift-stripe-de-couples-payments-from-tech-stack  The National Retail Federation's formal objection to the Visa/Mastercard settlement: https://cdn.nrf.com/sites/default/files/2024-04/VisaMastercard-PreliminaryObjections.pdf  NACUSO: https://www.nacuso.org/    Register for our next CU Town Hall on Wednesday May 8 at 3pm ET/Noon PT when Anne Legg will join us to continue early April's discussion of the foundation credit unions must establish to leverage Generative AI. As always, expect a live and lively interactive conversation tackling the key issues facing CUs. It's free to attend, but advance registration is required:  https://www.cutownhall.com/     Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/   https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

Daybreak
RBI's policy shift will crush Visa-Mastercard's rule. But will Rupay take advantage?

Daybreak

Play Episode Listen Later Apr 19, 2024 10:00


Last month, the Reserve Bank of India directed credit card issuers or banks to not sign exclusive contracts with card networks, like Visa and Mastercard, that restrict them from using other networks. The RBI did this because it said consumers deserve to have the freedom of choice. This new rule will be effective from early September and it will change the credit card game as we know it.For starters, the American card network giants Visa and Mastercard who together have been dominating 90% of the market for forty years now will no longer be sitting easy. The directive is also bad news for co-branded credit cards, one of the most popular products in the financial-services market.But for home-grown Rupay, this is great news. It's almost like the government has created a fast lane for it. But will Rupay take it and win?Tune in.Daybreak is produced from the newsroom of The Ken, India's first subscriber-only business news platform. Subscribe for more exclusive, deeply-reported, and analytical business stories.

Fintech Business Podcast
Fintech Recap: BaaS Consent Orders, Trade Groups v. Colorado on DIDMCA

Fintech Business Podcast

Play Episode Listen Later Apr 10, 2024 53:20


This month we had the chance to talk about:* BaaS drama continues, with Piermont and Sutton receiving consent orders* Chime has HOW MANY customers?* Trade groups vs. Colorado on DIDMCA, or, where is an online loan “made”?* Quick takes on the Visa/Mastercard settlement* And, as always, what we just can't let go ofIf you enjoy listening to this podcast and find value in it, please consider supporting me (and finhealth non-profits!) by signing up for a paid subscription. It wouldn't be possible to do what I do without the support of listeners like you! Get full access to Fintech Business Weekly at fintechbusinessweekly.substack.com/subscribe

Go潮生活
#669 Go潮生活 (粵語)Visa MasterCard和解協議對持卡人有呢啲後續影響

Go潮生活

Play Episode Listen Later Apr 6, 2024 19:31


謝謝收聽。 如果你也喜歡我們的節目,請幫忙按讚或五星好評並分享給你的朋友,如果還沒有訂閱,歡迎免費訂閱(Follow)我們在Podcast和YouTube的頻道:go潮生活,每次更新你都會第一時間收到通知。   聯繫我們:gofreshfashionus@gmail.com   YouTube頻道: go潮生活 https://www.youtube.com/channel/UCTIHAxGvS-a1_-9FbrAEyww   Podcast播客: go潮生活   Spotify: https://open.spotify.com/show/1x9cWijAsecL7ZywPV38yn Spotify for Podcasters: https://podcasters.spotify.com/pod/show/gofreshfashion Radio Public: https://radiopublic.com/go-6r3q1k Pocket Casts: https://pca.st/pip6qwsv Google Podcasts: https://www.google.com/podcasts?feed=aHR0cHM6Ly9hbmNob3IuZm0vcy8zMGM4NTI4Yy9wb2RjYXN0L3Jzcw==   追蹤我的 Instagram: radio_host_vic  追蹤我的Facebook:Go潮生活 追蹤我的小紅書: http://www.xiaohongshu.com/user/profile/606b8cd5000000000100132d?xhsshare=CopyLink&appuid=606b8cd5000000000100132d&apptime=1646789932 --- Support this podcast: https://podcasters.spotify.com/pod/show/gofreshfashion/support

The BIGCast
Mining Direct Mail for Competitive Intel

The BIGCast

Play Episode Listen Later Apr 2, 2024 43:31


Glen speaks with Competiscan Founder/CEO Richard Goldman about the insights promotional mail can generate about events like the proposed Capital One/Discover merger. Also- more headaches at Discover, and looking into the less reported corners of the Visa/ Mastercard settlement.     Links related to this episode:   Competiscan: https://www.competiscan.com/  Glen's blog dissecting the Visa/Mastercard settlement: https://www.big-fintech.com/Media?p=exploring-the-issuer-aspect-of-the-visamastercard-settlement Glen's blog on the Capital One/Discover merger: https://www.big-fintech.com/Media?p=the-capital-onediscover-deal-a-test-of-typical-battle-lines-and-a-credit-union-angle  Story about squatters grabbing Capital One/Discover domains: https://domainnamewire.com/2024/03/29/capital-one-sues-to-get-discover-merger-domain-names/  Submission form to join Competiscan's Consumer/Small Business Panels: https://www.sbkcenter.com/consumer.html     Join us for our next CU Town Hall on Wednesday April 3 at 3pm ET/Noon PT for a live and lively interactive discussion of the key issues facing credit unions. (Did we mention there'll be a cool tech giveaway to one FI attendee?) It's free to attend, but advance registration is required:  https://www.cutownhall.com/     Find us on X and BlueSky at @bigfintech, @jbfintech and @154Advisors (same handles for both) You can also follow us on LinkedIn:  https://www.linkedin.com/company/best-innovation-group/ https://www.linkedin.com/in/jbfintech/  https://www.linkedin.com/in/glensarvady/

the weekly
week of april 1: Marceil Van Camp

the weekly

Play Episode Listen Later Mar 31, 2024


Top Stories:1. Boeing CEO steps down⁠PSBJ article⁠2. Ballard dive bars⁠Seattle Times article⁠3. Visa/Mastercard suit settles re: fees⁠NPR article⁠4. Bellevue company Ponzi scheme?⁠Seattle Times article⁠5. Strip club legislation passes in WA⁠Seattle Times article⁠ About guest co-host:Marceil Van Camp is the co-owner of Kamp Social House, a restaurant & bar located in Madison Valley that opened about 2 years ago. She is also a real estate broker for Compass. Prior to these roles she worked at Amazon in both sales and marketing. About host Rachel Horgan:Rachel is an independent event producer, emcee and entrepreneur. She worked for the Business Journal for 5 years as their Director of Events interviewing business leaders on stage before launching the weekly podcast. She earned her communication degree from the University of San Diego. Contact:Email: theweeklyseattle@gmail.comInstagram: @theweeklyseattleWebsite: ⁠⁠⁠www.theweeklyseattle.com

Trumpcast
Slate Money: How Do You Bribe a President? Meme Stocks.

Trumpcast

Play Episode Listen Later Mar 30, 2024 44:03


This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Slate Money
How Do You Bribe a President? Meme Stocks.

Slate Money

Play Episode Listen Later Mar 30, 2024 44:03


This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Slate Daily Feed
Slate Money: How Do You Bribe a President? Meme Stocks.

Slate Daily Feed

Play Episode Listen Later Mar 30, 2024 44:03


This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

Thrilling Tales of Modern Capitalism
Slate Money: How Do You Bribe a President? Meme Stocks.

Thrilling Tales of Modern Capitalism

Play Episode Listen Later Mar 30, 2024 44:03


This week: Truth Social is the latest meme stock, and buying it could win favor with a president. Felix Salmon, Emily Peck, and Elizabeth Spiers discuss what Truth Social means for Trump, whether Sam Bankman-Fried's 25-year sentence is too harsh, and a Visa/Mastercard antitrust settlement that could change credit card fees as we know them. (Platinum holders beware.) In the plus segment: Why a global chocolate shortage is racking the candy industry. If you enjoy this show, please consider signing up for Slate Plus. Slate Plus members get an ad-free experience across the network and an additional segment of our regular show every week. You'll also be supporting the work we do here on Slate Money. Sign up now at slate.com/moneyplus to help support our work. Podcast production by Jared Downing and Cheyna Roth. Learn more about your ad choices. Visit megaphone.fm/adchoices

The Investing Podcast
Visa-Mastercard Deal, Winrevair Approval, & a Wolf in Sheep's Clothing | March 27, 2024 – Morning Market Briefing

The Investing Podcast

Play Episode Listen Later Mar 27, 2024 17:51


Visa and MasterCard reach a $30 billion deal with US retailers, Merck receives FDA approval for Winrevair in the US, and why the Artisan Developing World Fund is a wolf in sheep's clothing. For information on how to join the Zoom calls live each morning at 8:30 EST, visit https://www.narwhalcapital.com/blog/daily-market-briefingsPlease see disclosures:https://www.narwhalcapital.com/disclosure

Bloomberg News Now
March 26, 2024: Latest on Baltimore Bridge Disaster, Visa, MasterCard Deal, More

Bloomberg News Now

Play Episode Listen Later Mar 27, 2024 5:07 Transcription Available


 Listen for the latest from Bloomberg News See omnystudio.com/listener for privacy information.

Retail Daily Minute
McDonald's-Krispy Kreme Partnership, Visa-Mastercard Settlement, Amazon Pharmacy Expansion, & Walmart HVAC Installations

Retail Daily Minute

Play Episode Listen Later Mar 27, 2024 5:33


Welcome to Omni Talk's Retail Daily Minute, where we unveil today's groundbreaking headlines shaping the retail landscape.McDonald's and Krispy Kreme join forces in a nationwide partnership, bringing Krispy Kreme Doughnuts to McDonald's locations by 2026.Visa and Mastercard settle a long-standing class action lawsuit, reducing merchant fees and introducing caps for five years.Amazon expands its same-day delivery services to include prescription medications in New York City and the greater Los Angeles area through Amazon Pharmacy.Walmart announces a strategic partnership with Bryant Heating & Cooling, allowing customers to access energy-efficient HVAC products and services directly through Walmart's website.Stay tuned for more transformative developments in the retail industry, brought to you by Omni Talk. Be careful out there!

El Brieff
¿Sabotearon el Tren Maya? Las noticias para este miércoles

El Brieff

Play Episode Listen Later Mar 27, 2024 10:04


En el próximo episodio de El Brieff, exploramos un abanico de noticias impactantes: desde la investigación sobre el descarrilamiento del Tren Maya en México, que sugiere un posible sabotaje, hasta la alarma por las pérdidas económicas millonarias en América Latina debido a riesgos cibernéticos. También cubrimos temas críticos como la creciente dependencia de México del maíz importado, decisiones judiciales que marcan un antes y un después para Julian Assange y Visa/Mastercard, y movimientos significativos en el mundo empresarial y deportivo, incluyendo el probable regreso de Adam Neumann a WeWork y las estrategias de Red Bull en la Fórmula 1. Crea el cerebro estratégico de tu negocio con STRTGY, contáctanos en este correo: arturo@strtgy.ai y conoce más en nuestro sitio web.Apoya este podcast suscribiéndote a Brieffy y accede a todo nuestro contenido para líderes de negocios. Descarga nuestra app aquí. Hosted on Acast. See acast.com/privacy for more information.

La Estrategia del Día
La carta de Larry Fink, puente de Baltimore, cacao, Visa-Mastercard y Trump en Nasdaq

La Estrategia del Día

Play Episode Listen Later Mar 27, 2024 13:25


El líder de BlackRock revela sus preocupaciones sobre las jubilaciones y la deuda de Estados Unidos. También revisamos los impactos del puente derrumbado. Los futuros del cacao encienden alarmas. Dos mujeres poderosas salen de dos empresas clave del sector financiero y cómo le fue al SPAC de Truth Social.

Jordan Is My Lawyer
Baltimore Bridge Collapse, Abortion Pill Oral Arguments, P. Diddy Raided, DJT Starts Trading on NASDAQ, Ken Paxton's Pre-Trial Agreement, VISA/Mastercard Settlement.

Jordan Is My Lawyer

Play Episode Listen Later Mar 26, 2024 17:20


1. P. Diddy (Sean Combs) Homes Raided Amid Sex Trafficking Investigation (0:34)2. Francis Scott Key Bridge Collapses in Baltimore After Collision with Cargo Ship (3:04)3. Trump's DJT Starts Trading on NASDAQ Exchange (5:54)4. TX Attorney General Enters Pre-Trial Agreement with Prosecutors Over Securities Fraud Charges (6:37)5. VISA and Mastercard Settle with U.S. Merchants Over High Swipe Fees (8:00)6. Supreme Court Hears Oral Arguments in Abortion Pill Case (FDA v. Alliance for Hippocratic Medicine, Danco Labs v. Alliance for Hippocratic Medicine) (9:39)If you enjoyed this episode, please leave me a review and share it with those you know that also appreciate unbiased news!Watch this episode on YouTube.Follow Jordan on Instagram and TikTok.All sources for this episode can be found here. 

This Week in Pre-IPO Stocks
E102: IPOs return in 2024?, $1.5 trillion Starlink valuation, MStanley Wealth's new pre-IPO stock trading desk, X debt restructuring, Monzo's $5b valuation, Revolut+Consensys Metamask product, Apple kills Epic Games in EU, Webull $7.3b SPAC deal | Pre-I

This Week in Pre-IPO Stocks

Play Episode Listen Later Mar 15, 2024 15:25


00:10 | IPOs return in 2024?; Joshua Brown, Michael Batnick, CFA, + The Compound- Nasdaq has to be performing well for IPOs to come and perform well- the IPOs that are coming, e.g. Reddit, Inc., need to do well post-IPO if we want to see the flood gates openSubscribe to Josh & Michael's The Compound….- YouTube = https://lnkd.in/e3tnDAXc- Podcast = https://lnkd.in/gN4eiaaE02:54 | $1.5 trillion Starlink valuation- Starlink has satellite internet monopoly- 2.6 billion people (33% of global population) have no access to internet- Starlink charges a monthly subscription fee of $50 to $110 per month- 10% market share, or 260m subscribers, at $50/month is $156b in annual recurring revenue- 10x revenue multiple that's a $1.56 trillion valuation06:02 | MStanley Wealth's new pre-IPO stock trading desk- MStanley Wealth clients can now purchase pre-IPO stocks- 1,000 stocks available- Congrats to MStanley … this is a great solution/business- AG Dillon & Co offers this same service to indie RIAs/IBDs- AG Dillon SpaceX Fund and AG Dillon OpenAI Fund accepting new investors now07:34 | X debt restructuring- MStanley and other lenders looking to restructure $12.5b in X debt- Banks seek to derisk position, negotiations have not been successful- X placed a $19b internal valuation on the business in Oct 2023 which is down from its $44b purchase price in late 202208:52 | Monzo Bank's $5b valuation- Alphabet, HongShan (Sequoia China), and Tencent invested $430m- 88% yoy revenue increase, profitable for 2023- 9.4 million UK customers- Last round was in Jan 2022 at a $4.6b valuation10:19 | Revolut + Consensys' Metamask new product- Revolut Ramp steamlines purchase of crypto in Metamask wallets- 20 cryptocurrencies converted from fiat in Revolut bank accounts or via Visa/Mastercard payments- Revolut has a $17.7b secondary market valuation, -46% from its last primary round in Jul 2021- ConsenSys has a $7.7b secondary market valuation, +9.5% from its last primary round in Mar 202211:56 | Apple kills Epic Games in EU- Apple revoked developer account for Epic Games Sweden AB- Epic cannot reintroduce Fortnite to iOS in Europe- Epic has a $22.5b secondary market valuation, +26% from last primary round in Feb 2024. Disney invested in that round.13:30 | Webull Financial $7.3b SPAC deal to close in 2H 202414:35 | Pre-IPO +0.39% for week- Week winners: Chainalysis 15.5%, Epic Games 9.8%, Consensys 6.6%, Brex 4.6%, Stripe 2.2%- Week losers: Flexport -11.9%, Neuralink -6.3%, Anthropic -4.9%, Discord -2.5%, Airtable -1.4%- Top valuations: ByteDance $284b, SpaceX $184b, OpenAI $108b, Stripe $66b, Databricks $49b

PennyWise
Common credit card mistakes and how to avoid them

PennyWise

Play Episode Listen Later Dec 5, 2023 21:16


Carrying a balance on your credit card from one month to the next may not be recommended but for many Americans it's unavoidable. On the latest episode of PennyWise, show producer Ambre Moton is joined by John Kiernan, managing editor of WalletHub, who shares the the top credit card mistakes to avoid.  Read more on WalletHub here! About this program Nat Cardona is host of PennyWise as well as Lee Enterprise's true-crime podcast Late Edition: Crime Beat Chronicles. Lee Enterprises produces many national, regional and sports podcasts. Learn more here. John Kiernan is the managing editor at WalletHub. He oversees WalletHub's content strategy and helps produce product reviews, educational guides, and other content to help answer people's financial questions and help them save money. John joined WalletHub's parent company as a writer in 2010. Since then, he's helped build WalletHub from the ground up, becoming one of the most senior members of the team. His previous work experience includes USA TODAY, US News and The Washington Post. Episode transcript Note: The following transcript was created by Adobe Premiere and may contain misspellings and other inaccuracies as it was generated automatically: It's been hammered into our heads to not carry a balance on our credit card from month to month and to live within our means. And yet Americans are notorious for being fairly deep in credit card debt. Welcome to Pennywise Lee Enterprises podcast. I'm Ambre Moton, the producer and editor of the show filling in for Nat Cardona. WalletHub managing editor John Kiernan is joining me to talk about credit card mistakes to avoid. Based on the article, it looks like there's eight common mistakes that people make in regards to credit cards. So let's start with that. There are so many options for credit cards right now. What should people be taking into account when selecting cards? What are the most common credit card selection mistakes? Sure, the first one right off the bat is not having a credit card. Some people kind of think it's dangerous to have one, but really not having one is is dangerous, especially for your credit, regardless of what card you pick. If you have a major credit card, it's going to be reporting information to the major credit bureaus monthly. And so you could have a card with no annual fee that you lock in a drawer and still benefit. So kind of the fear of credit cards that some people have is one thing you immediately need to get over. Beyond that, as you mentioned, there are tons of options. We track more than 1500 cards in our database at WalletHub. And so it really what you focus on really depends on who you are as a consumer and what you're looking for from your card. And that might seem obvious, but it can be more difficult in practice. The first thing we recommend people doing is checking their credit score. This will immediately kind of focus you on a segment of the market. You have a pretty good idea that you'll be approved. So if I check my credit score and say that it's 700, I say, okay, maybe I have a pretty good chance of getting a credit card that requires good credit and I can kind of rule out the ones that are have lower requirements that are very attractive or the ones that require excellent credit outright. And beyond that, just kind of the main rules of thumb are if you're going to pay in full monthly, you should focus on rewards because interest rates don't matter in that scenario. So you can kind of a card that has excellent rewards and a really high interest rate, that's fine. The interest rate won't affect you. Conversely, if you're going to carry a balance, we recommend trying to get a card with a 0% introductory rate to really kind of be able to finance whatever big ticket purchases or balance transfers you need to do in the short term and then get out of debt before the high regular rate takes effect. Pretty much no credit cards at the moment have very low regular, ongoing APR. So you kind of have to take advantage of limited time deals. I know I'm constantly getting all the offers where it's like, Hey, here's this, here are all the perks, here's all of that. So I really like you talking about if you're going to pay it off every month, then go ahead and go for those. And those offers you get in the mail. Like a lot of times people will just say, I got an offer. Let me apply for it without context, which is the wrong approach. But you can use those to get a sense of what kind of offers you have good approval odds for. If you're receiving something in the mail for a card that requires good credit, you can pretty feel pretty confident and you'll have good approval odds for other cards, for good credit. And you can then kind of say, Can I beat the offer that I got in the mail with other cards that are on the market? Gotcha. In the article, there was something about mistaking no preset spending limit for a limitless credit line. Can you talk about that for a minute? Sure. So this is kind of something the credit card companies are intentionally misleading about having? No. And limit, in the short phrase, kind of gets people thinking, I have I can spend as much as I want. There are no restraints. But the kind of preset part of no preset spending limit is very important. So all credit cards have a limit. Is just the limit on a no preset spending limit card can vary from month to month based on your spending and payment habits. The state of the economy. They can be issuers, financials. And the problem with that is they don't always communicate to you what that limit is. So with these cards, you don't sure have a firm set limit that's in your online account that you can reference, but there is a limit of them of the day. And there's a lot of uncertainty that comes along with that. The other problem with that is that the credit card companies don't always communicate. No preset spending limit cards, spending limits accurately to the credit bureaus. So this can sometimes lead to mistakenly high credit utilization that can hurt your credit score. It really kind of depends on how the issuer reports things. So it can vary, but this isn't to say that those cards are something you should stay away from. Some of these cards are the best among the best cards on the market for certain types of rewards and things like that. But it's definitely something to take into account and to not be misled by it. And another thing that I thought was really interesting was thinking that college students can't use credit cards. I remember being an undergrad, and any time you go to a game or an event or even like career fairs, there's always someone handing something out. But I feel like we were always told, No, no, no, you can't have one. You can't have one. You're not, you know, you're still a student. So, yeah, things have kind of the pendulum has swung throughout the years back in the day. You're right that you could go get a free T-shirt or Frisbee or whatever. Can they get your information Signing up for a credit card. Laws have since changed, and so they can no credit card companies can't do that type of direct kind of outreach on campus anymore. But a lot of people have taken that combined with rules about independent income when applying for a credit card, and they've mistaken it to be that you can't get a credit card as a student. But all the rules really require now is if you're under 21, so 18 to 21 years old, you have to use independent income to show that you can afford bill payments. And the difference is older people can use shared household income. They have reasonable access to it. And so it's basically everyone at the end of the day has to prove or show that they can afford a new credit line. And with students, they just want to make sure that you're not just kind of reporting your their parent's income or something like that. And they really can afford the the credit that they're taking on. We all know that, you know, it's important to build credit. But what do people usually get wrong when they're building credit with credit cards. Kind of going back to not having a credit card? It's really not getting started early. I know one thing that I'm thankful of. My parents made me an authorized user on their credit card when I was young, before I could get one on my own. So by the time I was able to apply legally at 18 and get my own credit card account, I already had some credit standing, so it made it easier to get approved. So you can add someone to as an authorized user to your account when they're a minor and help out on the credit. And then once you turn 18, I think people really need to get their own credit card, even if they don't plan to use it. So they get that monthly influx of information to their credit bureaus and their credit reports. The contents of your credit card is what makes up your credit score. And so and using the credit card responsibly is the easiest way to get information onto your credit report month after month. And you don't even need to use it. You can just open a card with a $0 fee and lock it and draw and you'll benefit. When it comes to looking up your credit score. Do you ever pay to get your credit score? No, definitely not there. I'm obviously a little biased because Wallethub does free credit scores and credit reports and credit monitoring, but there are a ton of options, reputable options these days that have free credit scores and reports. And you're going to those are based, again, on the information, your major credit reports and so with the kind of prevalence of so many free options that are reputable and will tell you what you need to know, there's really no reason to try to pay. A lot of people think, I need to get the exact same model as the credit card company or the lender is going to be using. But that's really tough to do because the lenders all modify kind of the publicly available models with their own in-house variations is never really going to get the same exact model. And the different credit scores are basically kind of directionally the same. I think there's a CFPB report a few years ago that said there's like a 90% correlation between the contents or the credit scores, the final credit score, credit ratings based on the different models. So they're pretty much kind of on par. Basically, if you're checking the same free one over time, that's what you really want to see. So if you're improving by any of those models or any of those free scores, you should be improving by the others as well. Awesome. Okay, then we have to talk fees. I know I'm always getting mailings about transferring balances or fees on cash advances. What are some of the more common credit card fee mistakes? Well, on one end of the spectrum, a lot of people see annual fees and say, okay, a card with an annual fee must be worse than one with a fee or vice versa. They have these assumptions, but you really need to try to take into account what the card offers in return for the fee. So if you're going to get a $500 initial bonus and 5% cash back on purchases, but you have to pay a $95 annual fee, you still might come out and you're likely to come out way ahead at the end of the day, once you take that into account and the no annual fee card could be more at the end of the day, or it might not. Knowing your fee is kind of it's more likely to save you more when you're not going to be using the card super often or spending a lot on it. But the bottom line is people should have kind of an open mind about annual fees and take into account what they're getting for that. When it comes to balance transfer fees, it's a it's a similar situation. Most of the best balance transfer cards that offer 0% introductory APRs for the longest possible period do charge a 3% balance transfer fee. You have far fewer options if you want a card without a balance transfer fee and the intro periods are going to be much shorter. So if you don't need as long to pay to pay off what you're going to be transferring. For example, if you could do it in 12 months instead of 21, then the no fee option will probably saved you more money. But if it'll take you a much longer time than a card with a fee balance transfer fee like you said, be more given how expensive the regular interest rates on balance transfer cards are. So if you don't pay off the full balance transfer by the time the intro period ends, the remaining amount will be subject to the regular MPR. And so that could end up being a lot more expensive than a 3% fee. Gotcha. I had a couple of teammates in college who would joke around about how using a credit card was free money and then they would, you know, try and consolidate or transfer and things like that. And I think they just kind of ended up spending a lot more on the fees. And I think that that is a concern. A lot of people think they can hop from one card to another, but it's kind of like musical chairs at some point they up the offers kind of dry up or become very expensive in terms of fees. And so then you're kind of left holding a pricey bag, not the good kind, I guess. So what can you say about the mistakes that people are making about spending and payments? Is it the end of the world if you miss a payment or if you're late? Yeah. So it's not the end of the world if you missed kind of one due date, especially because credit card companies usually don't report a missed payment until the second due date. So you're 30 days late on the first and you've missed your second due date or been report was late and that's very bad for your credit score, especially if you keep being reported as late. So you want to avoid that. But if you happen missed one due date or something like that, that's often not the end of the world. What I would definitely recommend is calling your credit card company or company and saying, Hey, whatever the case may be, something came up and I paid on time every time until then. Can you kind of mark me as on time when I make it up or waive the late fee? We've done surveys of and people credit card companies are more willing than you might think to kind of forgive a one off fee or something like that, especially to keep you as a customer in terms of the missing payments. Beyond that, obviously, like, you can have some leeway if you missed one or something like that. But the best thing to do is to set up automatic payments from a bank account. If you're like me, you're kind of forgetful. You're liable. Sorry. my gosh. That payment was due three days ago. If you don't have something automatic set up so setting up from a bank account kind of just takes forgetfulness out of the equation and it can be really helpful. I know early on in my credit card career, I've missed a payment and just because I forgot. But since I autopay and I haven't since there's some kind of things you need to take into account with that you can't just forget about your account and not look at the charges ever, because it could be something that you got overcharged for a fraudulent purchase or something along those lines. And you need to make sure you're kind of keeping within your budget and all that. Is it, I guess, worst to exceed your credit limit or do a cash advance? Are they both bad? Yeah, neither is very good. You might not be able to exceed your limit. It's up to the kind of issuer if they'll approve a transaction that would go over your limit or not. But maxing out your card is definitely not good for your credit score. It's not the end of the world. If it happens at one point and you pay it off pretty quickly thereafter. A cash advance, kind of a similar situation. It's bad in the sense that pretty much all cards will charge a fee for the cash advance. And you might also be hit with ATM fees. And then there's a high interest rate that starts applying immediately. There's no grace period for cash advances, but if you're okay with like an $8 fee or whatever the case may be, and you can you need cash for something for some reason, you can't get it another way and you'll be able to pay it back pretty quickly. So you're not accruing much interest. It's not the end of the world, but it's not something you want to be doing on a regular basis, Right? So in case of emergency as opposed to something you can do. Exactly. And if you have to do it, the sooner you can pay it off, the better. Fraud and identity theft. What mistakes are people making in this category when it comes to credit cards? Yeah, The biggest mistake people have here is kind of not being engaged, not reviewing their account history. One of the the benefits of credit cards is that all major cards have a $0 fraud liability guarantee. So if you notice a fraudulent charge or charge, you didn't make or charge double for something by a merchant by accident, you're not going to have to pay for that. But you it's better if you can notice it and tell the credit card company because they won't always catch everything. So reviewing your monthly statements, just watching out for things like that, it in the most important and as with your email and other important accounts, changing your password regularly is a good idea. Just in case lots of accounts are kind of compromised and data breaches and things like that. You know, make your yourself less of a target if you have a good strong password being changed fairly regularly. You know, that sounds something I definitely need to get better about. It's changing those passwords need to know what are the best tips to kind of combat the mistakes that are commonly made when it comes to using credit cards internationally. Yeah, it's a good question. The biggest thing is before you leave to make sure you have a no foreign transaction fee credit card, about 70% of cards do charge foreign transaction fees, but a growing number of issuers such as Capital One don't charge foreign fees on any of their cards. And so the foreign fee is important because it's usually around 3% that every purchase that's process internationally. And so if you're going abroad, you're going to end up making a lot of purchases and spend 3% more than you have to, which is going to add up to a lot. So getting no foreign fee card on the Visa MasterCard network will help you avoid that extra costs and we'll be able to use it pretty much wherever cards are accepted. The additional benefit to using a credit card is Visa. MasterCard automatically gives really competitive exchange rates. And so you're going to be getting a lot more bang for your buck on the conversion than you would if you're converting hard currency at a local bank or an airport kiosk. And it's going to be happening automatically. So you'll need to be carrying around hard currency and worry about getting pickpocketed or losing it, etc. And unlike cash, your credit card can be easily replaced and you don't have to you're not liable for purchases made with it if it gets stolen. So you have the cost savings and the security and the convenience of not having to lug around a bunch of extra stuff when you're when you're traveling abroad. I know my last trip I went to Barcelona by myself and I did get cash once I got there, but I mainly used a credit card that didn't have a foreign transaction fee, and so I just tracked everything set and already set aside money. So I knew as soon as I got home I could pay it off. So but that's yeah, definitely. You know, my friends were like, “No, just get cash!” I think people feel like they're a little more immersed or something when they have the local currency, but they can take that, that feeling and you can save 3%. The other benefit I went after college on a trip, I think starting in Spain, I went to France and a bunch of places, but my bags were delayed. They lost them for a long time and I basically had to buy a bunch of new stuff and it would have been really expensive. But my credit card had baggage insurance. wow. So I basically could just submit the receipts. I'm mad because I went shopping in France and got a bunch of not nice stuff. And yeah, I felt more secure at the time of the benefit than I could have gone crazy. But but yeah, so those types of secondary benefits can really help you out in a pinch too. Yeah, that's cool. Definitely have to look into that because I've had my bags delayed getting to me while traveling too. So that's. Yeah, that's a good one. Okay. So so far we basically talked about, you know, credit card debt as it relates to individuals. But what are some of the common business credit card mistakes? Most of the same mistakes apply for consumers and businesses. There are some differences in the regulations on consumer cards and business cards that kind of can maybe influence your decision. So, for example, business cards aren't subject to the same rules under the CARD Act as consumer cards. And so one of the rules that allows kind of the business credit card issuers to increase interest rates whenever they want, and some credit card companies have proactively extended the rules to their business cards. And so it's not a concern, but it's kind of it's not something you can rely on as much with a financing. So a lot of business owners might want to get a 0% consumer card, especially if it gives 0% for longer. And some people might be worried about using a consumer card for business given the increase in liability. But one thing a lot of people don't realize about business cards is that you're personally liable for any debt on those because credit card companies generally view a small business as an extension of the owner's personal finances. So you can really cast a wide net when you're looking at business credit cards. A lot of times with with rewards and other features like that, you can get a little more functionality from a business credit card, but you can also consider consumer cards if they can get you better deals as well. That makes sense. Well, is there anything that we haven't talked about that you think is really important that our listeners learn about credit card debt and mistakes that people make. Not really paying attention to the latest offers is is probably something to consider. People maybe shop for credit cards a couple of years ago. And then I think the market doesn't change so much. But we're seeing a lot of competition. So kind of the initial bonus offers are among the most attractive they've ever been 0% periods or as long as 21 months. Right now. And I guess the other thing is if you want to have get a better credit score or have a better credit card, the kind of long term thing you need to do is improve your credit score and try to earn more money, income and your credit history. The most important things and the best cards overall require good or excellent credit. And in the short term, just comparison shopping is really important. Not taking any offer in a vacuum and kind of saying, okay, one initial bonus, let's compare the different offers out there and get the best one based on the numbers. And as a plug, WalletHub can can help you do that. Pretty awesome. That's great. Well, John Kiernan of WalletHub, thank you so much. We appreciate it. Thanks for having me. Support the show: https://omny.fm/shows/pennywiseSee omnystudio.com/listener for privacy information.

Acquired LP Show
Visa Follow-Up and Today's Payments Ecosystem (with Gaurav Ahuja)

Acquired LP Show

Play Episode Listen Later Dec 3, 2023 93:01


We're joined by Imprint cofounder and Thrive General Partner Gaurav Ahuja to dive deeper into the modern payments ecosystem and Visa's current place within it. Gaurav was one of our research sources for the Visa episode, and we wanted to bring his insights to you all too. We discuss whether Visa really should be worried about eroding interchange fees, the impact of realtime payments systems, opportunities for startups and whether the Visa / Mastercard duopoly could really be overthrown. Tune in and enjoy!Links:https://www.federalreserve.gov/paymentsystems/files/Avg_IF_by_PCN.pdf

DH Unplugged
DHUnplugged #669: Waiting Game

DH Unplugged

Play Episode Listen Later Sep 20, 2023 61:36


A new Closest to the Pin announced. UAW strike lingers... Fed rate decision ahead. Consumers are feeling the pinch. PLUS we are now on Spotify and Amazon Music/Podcasts! Click HERE for Show Notes and Links DHUnplugged is now streaming live - with listener chat. Click on link on the right sidebar. Love the Show? Then how about a Donation? Follow John C. Dvorak on Twitter Follow Andrew Horowitz on Twitter Warm Up - Announcing a NEW Closest to The Pin this week - Plenty of interest in new legislation up for vote - Retail worried about holiday season - hiring trends - Clorox Update - Waiting  and Waiting for Fed decision - markets on hold... Market Update - Ugly and the the week - markets spooked on inflation and eco - Wednesday is the day - Fed rate decision meeting - UAW Strike - EU Leaking proof it's decisions - Oil prices starting to pinch Commentary - Overall - markets are in a consolidation mode, eco is relatively strong with a few dispensed pockets of weakness. - Consumers are starting to feel the pinch - Several bears have finally capitulated - that is a concern (another one of those one sided things that is never discussed - when bulls capitulate it is good - when bears capitulate - it is good)" - Oil prices - that is a concern - Yields still rising - China may be bottoming - that is good sign - Inflation - slowing down, but Fed may have more work to do - Earnings outlook - hard to image much better from here - what is important is the forward multiple Fed Heads - The Federal Reserve is unlikely to raise interest rates at its Oct. 31-Nov. 1 meeting, Goldman Sachs strategists wrote on Saturday, while also forecasting the U.S. central bank would lift its economic growth projections when policymakers gather next week. - "On November, we think that further labor market rebalancing, better news on inflation, and the likely upcoming Q4 growth pothole will convince more participants that the FOMC (Federal Open Market Committee) can forgo a final hike this year, as we think it ultimately will," the investment bank's strategists wrote in a report. - Current market bet s that there will be no hike this meeting - but potential for hike (0.25%) next meeting Some Legislative Stuff MJ Bill - The Senate Banking Committee has scheduled marijuana banking legislation for a vote on Sept. 27, a much-anticipated move that would advance one of Senate Majority Leader Chuck Schumer's top priorities to the Senate floor. - The bipartisan SAFE Banking Act sponsored by Democrat Jeff Merkley of Oregon has bipartisan support, including from the lead Republican sponsor, Steve Daines of Montana, who heads his party's campaign committee. - Backers of the legislation have been increasingly optimistic they will easily exceed the 60 votes needed - If signed into law, the SAFE Banking Act would enable cannabis-related businesses (CRBs) to transact business by means other than cash Credit Card Legislation - Credit Card Competition Act of 2023 - It would require the largest credit-card issuing financial institutions in the country—those with assets over $100 billion–to enable at least two credit card networks to be used on their credit cards instead of just one, and at least one of those networks must be a network other than the Visa/Mastercard duopoly. - There is concern that this bill will potentially reduce airline (and other) reward points as competition will drive transaction fee prices down and need to drop incentive programs --- - HEADLINES on socialize media and internet about how this bill kills reward programs - however, does not seem that is a true statement - Similar legislation failed to pass in 2022 Oil - Recap of our discussion last week - Oil looks like destined to keep moving to $92 - then what? - Currently trading at $91 - A move above $92 would put $95 in play - as long as OPEC+ keeps with voluntary production cuts Retail Confidence

Economist Podcasts
Editor's Picks: August 22nd 2022

Economist Podcasts

Play Episode Listen Later Aug 22, 2022 29:19


A selection of three essential articles read aloud from the latest issue of The Economist. This week, will Donald Trump run again? Also, the future of the Visa-Mastercard payments duopoly (9:35) and, what kind of prime minister will Britain get? (21:45) Please subscribe to The Economist for full access to print, digital and audio editions:www.economist.com/podcastoffer Our GDPR privacy policy was updated on August 8, 2022. Visit acast.com/privacy for more information.