Method Of Payment – Chargers NFL Official Online http://chargersnflofficialonline.com/ Fri, 17 Sep 2021 18:12:33 +0000 en-US hourly 1 https://wordpress.org/?v=5.8 https://chargersnflofficialonline.com/wp-content/uploads/2021/06/icon-6.png Method Of Payment – Chargers NFL Official Online http://chargersnflofficialonline.com/ 32 32 7-Eleven prevails in employee misclassification lawsuit | Foley & Lardner srl https://chargersnflofficialonline.com/7-eleven-prevails-in-employee-misclassification-lawsuit-foley-lardner-srl/ https://chargersnflofficialonline.com/7-eleven-prevails-in-employee-misclassification-lawsuit-foley-lardner-srl/#respond Fri, 17 Sep 2021 18:12:33 +0000 https://chargersnflofficialonline.com/7-eleven-prevails-in-employee-misclassification-lawsuit-foley-lardner-srl/ A Federal Court for the Central District of California in Haitayan v. 7-Eleven, Inc. ruled in favor of franchisor 7-Eleven and against four franchise owners who claimed to be employees under California law rather than independent contractors. Serge Haitayan and the three other complainants had all owned 7-Eleven franchise stores for at least 20 years. […]]]>

A Federal Court for the Central District of California in Haitayan v. 7-Eleven, Inc. ruled in favor of franchisor 7-Eleven and against four franchise owners who claimed to be employees under California law rather than independent contractors. Serge Haitayan and the three other complainants had all owned 7-Eleven franchise stores for at least 20 years. Each of them testified at different times that they had come to see themselves as employees of 7-Eleven instead of independent contractors or business owners due to the control 7-Eleven allegedly exercised over the operation. of their stores.

After a two-day trial in March 2021, the Court issued findings of fact and findings of law on September 8, 2021. The Court applied the multi-factor test established under SG Borello & Sons, Inc. v. Dep’t of Indus. Rels., 48 cal. 3d 341, 350 (1989). Mainly, because the plaintiffs brought this case in 2017, the court failed to apply the state’s most recent independent contractors law AB5 and its “ABC test” which most consider to be more favorable to plaintiffs seeking to establish a working relationship. This space had extensively covered the 2018 California Supreme Court decision in Dynamex Operations West, Inc. v. Los Angeles County Superior Court who established the ABC test and AB5 who codified it. Borello remains the standard in situations where an exception under AB5 or a later law, AB2257, applies.

BorelloThe multifactor test focuses on a main question of what control the alleged employer has law to exercise over the work in question as opposed to the degree of control it actually exercises. Beyond this question, Borello also applies secondary factors that a court must take into account. In 7 eleven, the Court applied these factors after a detailed account of the factual record.

The Court found that the Haitian claimants exercised sufficient control over the “manners and means” of the work in question to preclude the existence of an employer-employee relationship. The plaintiffs admitted during the trial that “they have complete control over when they work, how much they work and when they take vacations.” The plaintiffs also employed their own workers in their stores and had full authority over their hiring, firing, wages, discipline and timing. 7-Eleven has also given its franchisees control over the actual operation of their stores, including what products to offer, prices, inventory levels and promotions in which to participate.

Conversely, the plaintiffs argued that 7-Eleven monitored and supervised their work through weekly visits to stores by “field consultants” who could issue written notices of non-compliance with certain 7- policies. Eleven. 7-Eleven also asked the complainants for training. 7-Eleven could also end the franchise relationship, which the plaintiffs claim had demonstrated a working relationship.

Even with these allegations, the plaintiffs were unable to persuade the Court that these facts established the level of review necessary to prevail. The Court noted that franchisees did not have to be in their store for consultant field visits and could ignore other correspondence and messages they sent them. In addition, field consultants could only issue notices of non-compliance with 7-Eleven store standards under a limited number of prescribed circumstances. The complainants had also not received training for “decades” as it was not part of their regular relationship with 7-Eleven. Finally, the termination of a franchise can only occur in limited circumstances (i.e. a felony conviction of a franchisee, insolvency, etc.) and requires notice and the ability to remedy when possible.

The Court then went through Borello‘s eight secondary factors. These are: (a) whether the work in question is in fact a separate undertaking; b) whether the applicants have performed work under the direction of 7-Eleven (essentially duplication of the control factor); c) the competence necessary for the job; d) the source of the instruments, tools and location of the work; e) the duration of the work; f) method of payment; (g) the business of the alleged employer; and h) the parties’ respective beliefs about their relationship. The Court’s application of the factors follows below.

  • Is the work in question a separate enterprise? The applicants presented themselves to the public and for tax purposes as independent and independent business people. They could sell their franchise stores to third parties and also operate other (sometimes competing) businesses. These facts led the Court to conclude that this factor weighed against the employment because the applicants were operating separate businesses. For the reasons already explained, the Court concluded that the Plaintiffs were not under the control of 7-Eleven through its consultants in the field. This factor also weighed on employment.
  • Is the work in question under the direction of the alleged employer? This factor essentially duplicated the primary controlling factor discussed above. Applicants had to undergo extensive training to become a 7-Eleven franchise owner, which indicates a requirement for specialist knowledge. The store owners’ decision-making about people, products, and pricing have all led to their success or failure. These facts indicated the ownership of an independent business and, therefore, against employment.
  • Does the job require specialized skills? The plaintiffs had all the merchandise in their stores. 7-Eleven, however, leased the ownership of the stores to the applicants as well as all computer equipment and systems. These facts tended to indicate a working relationship in favor of the plaintiffs.
  • What is the duration of the work? Franchise agreements often lasted 15 years and the applicants had each owned their respective stores for decades. This indicated a job, but a shorter duration would not make economic sense either. The applicants could not have recovered their investments. This factor was neutral on the question of employment.
  • What is the payment method? While hourly payments characterize employment, payment by the task indicates independent contractor status. 7-Eleven has not guaranteed any payment to applicants. Their income came entirely from the performance of their stores. It weighed in favor of 7-Eleven and against a working relationship.
  • What kind of business is the alleged employer in? The complainants described 7-Eleven as a convenience store operator. 7-Eleven presented evidence that it was in the business of franchising. The tribunal agreed with 7-Eleven and found that 7-Eleven locates and develops store locations, markets and sells franchises, formulates best practices for store operations, develops new products and provides support to its stores. franchisees. The complainants did not do any of these things. This supported the fact that the claimants were independent contractors and not employees.
  • How do the parties perceive their relationship? The complainants presented themselves as independent businessmen even after filing their complaint. A complainant advised other franchisees to make their own decisions about promoting a product with mixed sales results. Another told franchisees that they were independent contractors, not store managers employed at will. Finally, the franchise contracts that the applicants signed explicitly stated that they were independent contractors. The complainants’ relatively recent “realization” that they were employees was not convincing. The Court found this factor in favor of 7-Eleven.

7 eleven is an important case for “commercial format” franchises which, like 7-Eleven, exercise the right to maintain and enforce their brand standards through specified products, methods and means for operating the franchises. The application of the Borello as opposed to the newer and arguably stricter ABC test, its overall importance decreases.

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Venmo vs Paypal: How These Payment Apps Stack Up https://chargersnflofficialonline.com/venmo-vs-paypal-how-these-payment-apps-stack-up/ https://chargersnflofficialonline.com/venmo-vs-paypal-how-these-payment-apps-stack-up/#respond Thu, 16 Sep 2021 19:38:46 +0000 https://chargersnflofficialonline.com/venmo-vs-paypal-how-these-payment-apps-stack-up/ When Rachel Damuth hosted a garage sale this year, she was surprised at how many people wanted to pay electronically.… When Rachel Damuth hosted a garage sale this year, she was surprised at how many people wanted to pay electronically. Fortunately, the Redford, Michigan resident had a Venmo account. “I gave them my name for […]]]>

When Rachel Damuth hosted a garage sale this year, she was surprised at how many people wanted to pay electronically.…

When Rachel Damuth hosted a garage sale this year, she was surprised at how many people wanted to pay electronically. Fortunately, the Redford, Michigan resident had a Venmo account.

“I gave them my name for research,” says Damuth. The buyers then sent money through the payment app for a cashless purchase. She even used the app to sell the family’s motorhome, noting, “It’s a safe way to get money. ”

Payment apps are popular, especially with young adults, according to Jed Danbury, vice president of international sales for Computop, a global payment services provider. “It’s easy to pay each other,” he says, and that eliminates the need to bother with money.

Venmo and Paypal are two of the more popular payment apps, and although they are part of the same company, there are enough differences between the two that you want to use them both.

[Read: Best Budget Apps.]

Venmo Basics

Since entering the scene in 2009, Venmo has quickly become a popular option for people who want to split their bills and pay each other. The app has a social aspect that allows users to add stickers, emojis, and notes and make their payment stream public if they choose.

However, its streamlined interface makes it an attractive way for people of all ages to send and receive money. “It’s incredibly convenient,” says Judy Thomson of Clarksville, Michigan.

Sending payments from a linked bank account debit card or Venmo balance is also free, with no monthly fees or charges. However, there is a 3% charge for payments sent with a linked credit card.

Due to its ease of use, Venmo has become the payment method of choice for many online classifieds users. “It’s definitely the best way to sell on (Facebook) Marketplace,” says Damuth.

Over the years, Venmo has expanded its functionality to include direct deposit, purchase protection for qualifying items, and an option to purchase cryptocurrency. In addition, the app has its own debit and credit cards.

The basics of Paypal

Paypal predates Venmo by over a decade and dates back to 1998. “Paypal was created for eBay to make payments online,” Danbury explains. Compared to sending checks and money orders for auction purchases, Paypal has made it easier to complete transactions.

Today, the functionality of Paypal goes far beyond sending and receiving money. It has all the functionality of Venmo as well as a comprehensive set of business tools that include invoicing, in-person and online payments, and corporate finance solutions. The service has become part of the checkout process of countless retailers, including big chains like Walmart and Target.

“We use Paypal for almost everything we pay online,” says Damuth. She likes the security of knowing a store isn’t getting her credit card number, and using the service is faster than pulling out a card and grabbing it at the checkout. “For me, it’s a matter of convenience,” she says.

This convenience comes at a cost to businesses, however. Thomson uses Paypal for his jewelry business, Baba’s 1909, and finds that he is charged a fee even for payments marked as “friends and family” transactions. “Because I billed it, they consider it a business transaction,” explains Thomson.

For personal accounts, there is no charge for payments sent with money from a linked bank account, Amex sending account, or Paypal balance. However, those sent from a linked card will incur a fee of 2.9% plus 30 cents.

[Read: Apps to Meet Your Financial Goals.]

How Venmo and Paypal Compare

For consumers, Venmo and Paypal offer similar services and a similar pricing structure, although some users find Venmo to be more user-friendly.

“With Paypal, I feel like I have to overcome more obstacles,” says Thomson. She finds that it can take longer to log in and complete transactions using the Paypal app compared to Venmo. Additionally, while both apps indicate that it may take several days to transfer money to a bank account, Thomson received money from Venmo within 24 hours.

However, on the business side, Paypal has its advantages. “Paypal makes you look more professional,” says Thomson. Additionally, she feels the buy protections are stronger for buyers and sellers on Paypal compared to Venmo transactions.

[SEE: 10 Best Money-Saving Apps.]

Do I need Venmo if I have Paypal?

Do you need both payment apps or will one suffice? The answer depends on how you use the apps and what your friends and family are using.

Venmo seems to be preferred by young adults. “This is how we give money to our (college age) daughters, and this is how they pay us too,” Damuth says. She adds that the 20-something photographer for her daughter’s senior photos has also asked to be paid through Venmo.

However, if you run a small business or want to be able to pay for purchases online, Paypal may become your go-to app. In fact, Paypal has become such a popular payment option that it can even be used in-store at retailers like Best Buy.

Whether you use Venmo, Paypal, or both, be smart about how you use payment services. Follow privacy and security rules to avoid scams and keep your money safe.

More American News

10 best budget apps for 2021

35 ways to save money

10 expenses that destroy your budget

Venmo vs Paypal: how these payment apps stack up originally appeared on usnews.com


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With over 45 payment methods, Bitcenter emerges as https://chargersnflofficialonline.com/with-over-45-payment-methods-bitcenter-emerges-as/ https://chargersnflofficialonline.com/with-over-45-payment-methods-bitcenter-emerges-as/#respond Tue, 14 Sep 2021 20:15:18 +0000 https://chargersnflofficialonline.com/with-over-45-payment-methods-bitcenter-emerges-as/ London, UK, September 14, 2021 (GLOBE NEWSWIRE) – The cryptocurrency and forex markets are teeming with opportunities for traders and investors this year. 2021 is shaping up to be an exciting year for crypto maniacs. Since this year, global crypto ownership rates have increased by an average of 3.9%, with over 3.3 million users in […]]]>

London, UK, September 14, 2021 (GLOBE NEWSWIRE) – The cryptocurrency and forex markets are teeming with opportunities for traders and investors this year. 2021 is shaping up to be an exciting year for crypto maniacs. Since this year, global crypto ownership rates have increased by an average of 3.9%, with over 3.3 million users in the UK alone. We are seeing more and more global companies accepting cryptocurrency payments, which is also increasing the demand for platforms where people could invest in cryptocurrency. One of the newest investing and trading platforms on the market is Bitcenter. Launched in 2010, Bitcenter instantly grew in popularity with customer service and over 45 different payment withdrawal methods, making it one of the UK’s most user-friendly trading platforms.

Bitcenter is a trading platform where clients can invest and trade cryptocurrencies and currencies. After a simple registration process, users can access over three hundred investment tools and benefit from easy payment methods. Since its launch in 2010, Bitcenter has garnered countless positive reviews on platforms such as Trustpilot and Proven Expert, solidifying its position as one of the fastest growing investment markets in the UK. In the investment world, where users typically face lengthy withdrawal procedures, Bitcenter clearly intends to provide its customers with a seamless experience.

With a 4.8 rating on Trustpilot, a platform people typically search for and post reviews on, Bitcenter is gaining popularity in such a short time. The website cites that over 89% of users think Bitcenter is a great trading companion. These statistics have also caught the attention of many professional traders, most of them praising Bitcenter for its quick payouts and easy communication. With easy operation and quick withdrawal of funds, this global trading platform aims to eradicate the fears of most new investors when entering the world of crypto.

Apart from the quick withdrawals of funds, the success of Bitcenter is also mainly linked to its customer support service. Even users who don’t know anything about investing can easily understand Bitcenter. The website is designed in a very user-friendly way, where experts are available around the clock to help you maximize your profits.

This year, a significant number of professional traders have joined Bitcenter, as the website in return offers deep benefits to traders. Quick withdrawal of funds, three hundred trading instruments and secure access to funds are some of the main advantages offered to professional traders when registering.

All investment options, trading tools and information regarding payment methods can be found on the Bitcenter website. You can join the platform and start investing with the help of trading experts and investment tools. Trading may seem like a tedious process due to complicated payment methods, but with Bitcenter, you can easily discover a payment method that is right for you.

You can visit their website now and find out about various investment tools that can help you trade in a healthy environment!

Media Details:

BitCenter.fr

logan.wayne@bitcenter.co.uk


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Housing slowdown and food allowance increases could save Pentagon billions of dollars, Congressional report says https://chargersnflofficialonline.com/housing-slowdown-and-food-allowance-increases-could-save-pentagon-billions-of-dollars-congressional-report-says/ https://chargersnflofficialonline.com/housing-slowdown-and-food-allowance-increases-could-save-pentagon-billions-of-dollars-congressional-report-says/#respond Fri, 10 Sep 2021 20:01:32 +0000 https://chargersnflofficialonline.com/housing-slowdown-and-food-allowance-increases-could-save-pentagon-billions-of-dollars-congressional-report-says/ Slowing increases in housing and food allowances for the military by changing a crucial benchmark could save the Pentagon billions, the Congressional Budget Office reported Thursday. The idea proposed in the report is to tie these allowances to the same benchmark used for base salary increases for military personnel. The Department of Defense is required […]]]>

Slowing increases in housing and food allowances for the military by changing a crucial benchmark could save the Pentagon billions, the Congressional Budget Office reported Thursday.

The idea proposed in the report is to tie these allowances to the same benchmark used for base salary increases for military personnel.

The Department of Defense is required to use the Bureau of Labor Statistics’ Cost of Employment Index, or ECI, to adjust the base salary, which accounts for 70% of the military’s regular expenses. The only exception is when Congress approves a larger pay rise.

But housing allowance rates are set annually by the Secretary of Defense, using data on vacant rental housing in each location. Food allowances are set annually on the basis of the food price index of the Ministry of Agriculture.

These combined methods resulted in an increase in troop compensation beyond what the DoD envisioned, according to the CBO report released Thursday.

The goal of the Pentagon was for troops to be paid at the 70th percentile of earnings for comparable civilians, meaning that 30% of civilians in similar jobs would earn more than troops.

Read more : 9/11 Pentagon survivors grapple with wounds that defined an era of war

But military compensation now far exceeds that. The CBO said the cash salary – base salary plus food and lodging allowances – for enlisted personnel was around the 90th percentile of civilians with similar levels of experience and university education in 2018. The The army has, on the whole, been successful in bringing in quality new recruits in recent years.

The military spent about $ 160 billion on cash compensation and benefits for service members in 2020, which is about a quarter of its base budget of $ 630 billion.

The Bureau of Labor Statistics calculates the CIS using its National Employer Compensation Survey, measuring the amount of compensation that has changed in the United States in certain jobs.

“These data raise questions as to whether the DoD is paying more for its staff than is necessary to meet targets,” the report said. “The DoD may be able to pay less and meet its personnel goals, while potentially meeting other goals, such as purchasing weapons.”

The Center for Strategic and International Studies also raised concerns about military compensation costs in its own report released Thursday. The active-duty military peaked after WWII in fiscal year 1952, CSIS said, then fell 64% to its lowest level in 2016. But over the course of the same period, total personnel costs increased by 110%. driven in part by an increase in the ratio of officers to enlisted personnel, increases in military pay relative to the amount of the cost of employment index and significant increases in housing allowances.

The CBO suggested adjusting the cash payment increases for all service members using the ECI benchmark. If this method were adopted in the coming years, he said, the military could save about $ 3 billion a year, or 1.7% of its annual cash spend and spending, by 2030.

The CBO study found that housing allowances increased faster than the cost of employment index between 2000 and 2020. If the CIS had been used instead, housing allowances for enlisted troops at pay level E-4 would have been 9% lower in 2020 than they were actually liquidated. being.

If all elements of regular cash compensation had started adjusting in 2004, the CBO said, the military would have spent about $ 4 billion less in 2020 alone.

The CBO also designed and envisioned a new base salary adjustment system called the Alternative Salary Index, which it said would be tailored to the age and educational level of military personnel. The CIS does not take into account this type of demographic information.

But when the CBO used this method to recalculate the increases from 2004 to 2020, it found that it would not differ much over time from the salary increases set using the ECI. The new index would also vary more from year to year, leading to larger fluctuations in salary increases.

The CBO did not take into account special pay and incentives, which vary by job and location, and tax benefits for troops because food and housing allowances are untaxed.

– Stephen Losey can be contacted at stephen.losey@military.com. Follow him on twitter @StephenLosey.

Related: Defense bills would provide new food allowance for low-income military families

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How Businesses Increase Subscription Conversions, Increase Revenue, and More (VB Live) https://chargersnflofficialonline.com/how-businesses-increase-subscription-conversions-increase-revenue-and-more-vb-live/ https://chargersnflofficialonline.com/how-businesses-increase-subscription-conversions-increase-revenue-and-more-vb-live/#respond Tue, 07 Sep 2021 20:56:41 +0000 https://chargersnflofficialonline.com/how-businesses-increase-subscription-conversions-increase-revenue-and-more-vb-live/ Presented by Recurly While subscription models offer huge opportunities for growth, they inevitably add complexity to your acquisition and retention efforts, but there’s a solution for that. Hear from a panel of experts on how to drive subscriber growth and LTV in a competitive landscape at this VB Live event! Free access on request here. […]]]>

Presented by Recurly


While subscription models offer huge opportunities for growth, they inevitably add complexity to your acquisition and retention efforts, but there’s a solution for that. Hear from a panel of experts on how to drive subscriber growth and LTV in a competitive landscape at this VB Live event!

Free access on request here.


By 2023, 75% of DTC brands will have a subscription offer. Today there are endless possibilities to subscribe to all kinds of products and services in all kinds of industries, from software and loot crates to fitness, clothing, food, and so on. . The pandemic has brought about a number of changes in the subscription market, but as things continue to change and settle in, it has become clear: there is no bubble. Subscriptions are here to stay.

“What’s going on with consumers, they’re spending more money on subscriptions within their budget – it’s now part of life,” says Logan Dunn, growth manager at Wyse. “For this reason, we don’t just compete with Ring for subscriptions, we compete with the subscription budget world.”

The pandemic has supercharged the subscription world, says Alycia Simpson, senior director of demand generation at Recurly.

“The pandemic has taken a world already focused on convenience and accelerated it,” Simpson said. “When COVID hit, it was no longer just a desire to get things delivered. It was really a need. “

According to Recurly’s report, “The Impact of the Global Pandemic on Subscription Growth Rate,” businesses across all industries have seen an increase in testing, conversations and subscriber growth, in some cases greater than 100%, when COVID has hit. Online education and learning has increased by over 300%. Among subscription growth, consumer goods saw a 148% increase at the height of the quarantine in May.

Subscriptions also solve motivation, notes Jeff Bladt, vice president of pricing and inventory at ClassPass. In the fitness industry, their goal is to convert people to the highest level of motivation – they get more people to sign up for a fitness membership in January because the current self is more motivated than the future self, says -he.

“It extrapolates across categories,” he adds. “Memberships are a great way to sway motivation. Our internal job is how to keep that motivation high or, when it’s low, how do we react?

Development of prices and packaging

Part of keeping motivation high and a running follower is making sure new and existing customers respond favorably to your pricing and packaging points.

Bladt notes that for ClassPass, they see their product as access to purchase, with a credit system that allows subscribers to pay for what they use, rather than a tiered system that excludes customers from experiences. top of the line.

“I hope that by putting [a lot of] adding value to the product and by expanding our supply network we can keep users longer or, ideally, get them to move on to larger plans, ”he explains. “It creates this natural marketing focused on the use and the lifecycle that we do in the product. But for us, we never wanted to prioritize the experience in an unnatural way. We want to prioritize experiences based on the essentials we want which is for users to use the product as intended.

Success comes from careful consideration of pricing and packaging, Dunn says. At Wyse, they have been very successful in bundling subscriptions and hardware: over 50% of their customers choose this added value.

“We’re going through the same thing Jeff just talked about, working on how we make an unlimited plan,” he says. “It’s an easy way to show value, but it’s so much more complex on the business side. There is so much thought to be given to how you price and package.

Payment methods as a growth strategy

The success of your subscription business is directly impacted by the payments you accept and how you accept them. the millennials who rely on Venmo, or you go global.

“It’s about flexibility for consumers,” says Simpson. “Do you have what you need to be successful at all levels? “

Businesses using Paypal have seen a 25% increase in conversions and a 19% increase in revenue across the board, she says. And when it comes to retention, for cases where a payment is declined, having another payment method for the customer means you haven’t lost that customer due to an unintentional churn rate.

“What ultimately drove us to take things beyond simple credit cards seriously was to go global,” says Bladt. “In the United States, you can hack it, at least initially, using credit cards as your exclusive means of interacting. But once you move to Europe, credit cards make up a minority of our purchases in Germany, for example, where direct deposit is much more common. You have different paradigms in Asian markets.

Prevention of unintentional unsubscription

Unintentional attrition is one of the biggest issues a subscription company can face – around 14% of all recurring transactions are likely to fail, notes Simpson, which strongly affects revenue, once you start. to invest money in these transaction numbers. But there are several ways to attack unintentional unsubscribe.

The first is to be proactive, using things like an account update program to ensure that correct credit card information is updated before a renewal is processed. The second method is to be responsive, using dunning best practices, to eliminate one-size-fits-all retention marketing. Recurly uses machine learning and the data it has accumulated over the past 11 years to analyze the most effective strategies for an individual subscriber. This includes looking at when they signed up, what they signed up for, the payment methods they use, etc. to optimize that stimulus rate.

“You talk to that person in a way that will be the most effective, and how many times are the most effective, to get that person back,” says Simpson. “It also means it’s not just about doing bucket denial codes. Understand what the specific rejection code was, what card it came from, etc.


Listen to the whole conversation, including the tactics to tackle voluntary unsubscribe! Access this webinar for free now and learn more about building portfolios, optimizing acquisition efforts for LTV, building propensity models, the cost-effective way to offer trials and coupons, and Moreover !

Free access on request here.


You will step away from the conversation with information about:

  • The Most Effective Channels That Drive Subscriber Growth
  • How to approach pricing and packaging
  • Tactics That Boost Customer LTV
  • Strategies to be implemented during renewals and cancellations

Loudspeakers:

  • Jeff Bladt, Vice President of Pricing and Inventory, ClassPass
  • Logan dunn, Head of Growth, Wyze
  • Alycia Simpson, Senior Director of Demand Generation, Recurly
  • Seth Colaner, Moderator, VentureBeat


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Competition and Distribution Law Newsletter – Paris – September 2021 | Bryan Cave Leighton Paisner https://chargersnflofficialonline.com/competition-and-distribution-law-newsletter-paris-september-2021-bryan-cave-leighton-paisner/ https://chargersnflofficialonline.com/competition-and-distribution-law-newsletter-paris-september-2021-bryan-cave-leighton-paisner/#respond Fri, 03 Sep 2021 20:38:03 +0000 https://chargersnflofficialonline.com/competition-and-distribution-law-newsletter-paris-september-2021-bryan-cave-leighton-paisner/ On July 30, 2021, the Competition Authority (the “ FCA “) Published the final version of its new notice of procedure on fines (the” Notice of fines »), Which repeals and replaces the previous opinion of May 16, 2011. This new opinion was the subject of a public consultation of the parties concerned, who were […]]]>

On July 30, 2021, the Competition Authority (the “ FCA “) Published the final version of its new notice of procedure on fines (the” Notice of fines »), Which repeals and replaces the previous opinion of May 16, 2011.

This new opinion was the subject of a public consultation of the parties concerned, who were invited to comment on the draft Notice on fines published on June 11, 2021.

This project went well beyond the simple adaptation of the method of determining fines required by the AFC to take account of legislative changes within French ordinance n ° 2021-649 of 2 May 2021, relating to the transposition of Directive (EU) n ° 2019/1 of 11 December 2018 (the ” Order “). It illustrates the FCA’s choice to fundamentally reform its decision-making practice and impose heavier penalties on non-compliant companies.

Some provisions of the draft seemed to require clarification (or even deletion), so the outcome of the public consultation was eagerly awaited.

Nevertheless, in particular, the changes made to the draft, published on June 11, are very limited. The implementation of the new opinion on fines will therefore necessarily lead to a considerable and systematic increase in the amount of fines decided by CAF.

The main changes introduced by the new fine notice are as follows:

1. Taking into account the value of the products indirectly linked to the infringement to determine the basic amount

The new opinion on fines specifies that in order to determine the basic amount of the fine, the FCA will take into account as a reference “all categories of products or services having a value directly or indirectly linked to the offense committed by the company ”. Therefore, depending on the interpretation of the expression “indirect” relationship, the basic amount of the fines could increase substantially (point 22).

In addition, the new opinion on fines does not really specify this concept, so that the AFC enjoys a great deal of latitude. More specifically, the notice on fines does not specify whether products used as inputs in finished products, or products located in related markets, upstream or downstream of the actual market in which the infringement was committed, could be considered to have an “indirect relationship” to the offense.

2. Possibility for the FCA to increase fines for deterrence purposes

At the stage of determining the basic amount, the new opinion on fines provides that the FCA will have the possibility of “by adding to the base amount an amount between 15% and 25% of the value of salesIn order to dissuade companies from participating in such practices. This possibility is reserved for “the most serious horizontal agreements and abuses of a dominant position, such as price fixing, market sharing and production limitation agreements “(paragraph 31).

In this regard, it is fortunate that the new opinion on fines has abandoned the possibility of applying such an additional amount as well “in the case of other offenses“. This provision, which was provided for in the initial draft, would have enabled CAF to apply this surcharge to any type of anti-competitive practice, without a single exception.

3. Taking into account the environmental impact in the assessment of the seriousness of the practices

From now on, in order to assess the seriousness of the facts, CAF will be able to take into account the seriousness of the competition factors concerned, which includes a the environment. This addition completes the list of competitive factors, traditionally taken into consideration by CAF to assess the seriousness of the facts, which includes elements such as price, quality, cost, production, etc. (point 28).

In the absence of further clarification, the FCA will likely have a great deal of latitude in assessing the seriousness of an offense relating to an offense involving environmental factors.

4. Deletion of the criterion on “the significance of the economic damage”

The new opinion on fines takes note of the economic damage test elimination introduced by the Ordinance, which CAF had to take into account when determining the amount of the fines imposed on the perpetrators of anti-competitive practices. Thus, this criterion is no longer mentioned. As such, the fines will only be determined according to the gravity and duration of the offense, the situation of the company and its recidivism.

5. Increase in the multiplier factor linked to the duration of the offenses

The new notice on fines provides that “the amount determined on the basis of the value of sales […] is multiplied by the number of years of participation in the infringement “. This is a major and far-reaching methodological change. Now this means that a coefficient of 1 will be applied to each full year of participation in the infringement (paragraph 34). ” considerably increase the financial fines since previously, the first year had been assigned a coefficient of 1, the following years, a coefficient of 0.5.

Regarding periods of less than one year, the new opinion on fines specifies that a “pro rata temporis of the duration of the company’s participation in the infringement“will be taken into consideration. This is a slight relaxation of the initial project which provided for assigning to periods less than 6 months a coefficient of 0.5 and to periods between 6 months and 1 year, a coefficient of 1 .

6. Expansion of the categories of mitigating circumstances

The new notice on fines modifies the categories of mitigating circumstances (specified in a non-exhaustive manner) in return for which the AFC may reduce the basic amount of the fine (point 38). Thus, the following factors may be taken into account as mitigating circumstances:

  • The fact that the practice has been “requested” (and not just “authorized” or “encouraged”, as provided for in the 2011 Opinion) by the public authorities;
  • The fact that the company implemented, during the proceedings, measures of reparation specifically benefiting the victims of the practice, in particular their payment of compensation due in execution of a transaction within the meaning of article 2044 of the Code civil.

7. The increasing possibility in the fines determined taking into account illegal gains

In the penalty individualization section, it is now indicated that “the Authority may also decide to increase the sanction as long as the estimated illegal gains made by the company or association of companies concerned as a result of the infringement (s) in question exceed the amount of the financial sanction that the Authority could inflict“(point 42).

The new fine communication builds on the 2006 European Commission fine-setting guidelines, which contain a similar provision.

However, in the absence of further clarification, it is legitimate to wonder how the FCA will assess these illicit gains in practice. It is not excluded that such an assessment of illegal gains could have an impact in the context of subsequent private actions, victims of anti-competitive practices then being able to find an additional element in the assessment of their own damage.

8. Consideration of the conviction of a foreign authority as a repeat offense

The new opinion on fines explicitly provides that in order to assess the existence of recidivism, the AFC may take into account a previous infringement sanctioned before the end of the new practice by a national competition authority of another. Member state.

This provision may raise some practical difficulties in establishing the existence of recidivism, because of the differences in the qualification of offenses that may exist between French law and other national competition laws.

9. Amendments to the legal regime applicable to professional orders

Finally, the new Notice on fines incorporates the new provisions of Article L. 464-2 of the French Commercial Code, resulting from the Ordinance (see our June 2021 newsletter here for more information) and relating to the applicable regime. business associations. It is expected that when the offender is a professional body:

  • The maximum amount of the fine can be up to 10% of the worldwide annual turnover (instead of 3 million euros).
  • However, when the violation of the professional order concerns the activities of its members, the maximum amount of the fine is equal to 10% of the sum of the worldwide turnover of each member of the association active on the market. concerned (point 50).

However, it is specified that if a fine is imposed not only on a professional order but also on its members, the turnover of the members to whom a fine is imposed must not be taken into account in the calculation of the fine imposed. to the professional body (paragraph 25).

The new opinion on fines specifies that a professional order may rely on specific financial difficulties affecting its ability to pay a fine imposed without taking into account the turnover of its members in order to request a reduction in its amount (paragraph 59). However, when a fine is imposed on a professional body which is not solvent, taking into account the turnover of its members, the AFC may order it to appeal to its members to cover the amount of the fine. (point 60).

Finally, if the mentioned contributions are not paid as provided to the professional order, within a time limit set by the AFC, the Authority may directly demand payment of the fine from any company whose representatives were members of the professional order at the time of the offense (s) (point 61). When this is necessary to ensure full payment of the fine, the Authority may also require payment of the outstanding amount of the fine by any member of the professional order active in the market in which the infringement (s) occurred. committed. However, members who are able to demonstrate that they have not implemented the contested decision of the professional order and who were unaware of its existence or actively dissociated themselves from it before the opening of the procedure should be excluded. .

Summary of the main steps in determining the amount of the fine (in bold the new features introduced by the new press release)

1. Base amount

2. Individualization

3. Final adjustments

  • Calculation of sales value (possibility of adding between 15 and 25% for the most serious offenses)
  • application of a% between 0 and 30 depending on the seriousness of the offense (it takes into account the impact on environmental parameters)
  • duration : coefficient of 1 for each year of infringement (pro rata temporis for the past year)
  • extenuating circumstances (practice requested by the public authorities, remedial measures implemented) or aggravating circumstances
  • other elements of the customization (increase in the penalty, if the illegal gains exceed the penalty incurred)
  • repetition (practice sanctioned by another national authority)
  • ceiling check
  • clemency
  • contributory capacity


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Garth Brooks fans turn to Action 9 for help with ticket refunds – WSOC TV https://chargersnflofficialonline.com/garth-brooks-fans-turn-to-action-9-for-help-with-ticket-refunds-wsoc-tv/ https://chargersnflofficialonline.com/garth-brooks-fans-turn-to-action-9-for-help-with-ticket-refunds-wsoc-tv/#respond Tue, 31 Aug 2021 22:11:22 +0000 https://chargersnflofficialonline.com/garth-brooks-fans-turn-to-action-9-for-help-with-ticket-refunds-wsoc-tv/ Earlier this month, country music star Garth Brooks announced he was canceling five of his upcoming tour dates, including his Sept. 25 stop at Bank of America Stadium. Charlotte’s concert was originally scheduled for May 2, 2020 and had been rescheduled several times due to the pandemic. [ ALSO READ: Action 9 helps AT&T customer get […]]]>

Earlier this month, country music star Garth Brooks announced he was canceling five of his upcoming tour dates, including his Sept. 25 stop at Bank of America Stadium.

Charlotte’s concert was originally scheduled for May 2, 2020 and had been rescheduled several times due to the pandemic.

In the press release announcing the cancellation, he said that no action would be required by ticket holders to obtain a refund and that Ticketmaster would issue a refund to the original payment method used at the time of purchase. But many Channel 9 viewers have purchased tickets from other websites such as StubHub and TicketOffices.com where refund policies vary.

StubHub told Action 9’s Jason Stoogenke that “upon cancellation, customers will automatically receive a coupon of 120% of the original ticket price. However, if they want a refund to the original payment method instead, they can contact customer service and we will process the refund within 30 days and remove the 120% credit coupon.

But Melissa Pollard contacted Stoogenke because she had trouble contacting StubHub to request a refund. She said her group spent over $ 1,200 for 10 tickets. Pollard doesn’t want the coupon, she wants the money, but said she was having trouble finding StubHub’s email address and making phone calls.

Tammy Whitley paid over $ 740 for three tickets to the show on TicketOffices.com. She said the company offered her 120% of the ticket price, but no refund.

“Sounds good, but I’m not a concert lover,” Whitley told Stoogenke. “It was going to be a fun girls’ night out. Family night out for us and it won’t happen. And it is not their fault. It’s not Garth’s fault. It’s not our fault, but it won’t happen, so I just want my money back, ”she said.

Stoogenke emailed the company on behalf of Whitley and about 25 minutes later said she had refunded him the full amount.

TicketOffices.com uses PayPal, who told Stoogenke that “in the event that the event does not take place, PayPal customers should contact the ticketing platform or event organizer directly. When a PayPal customer purchases and receives a ticket for an event through a ticketing platform, the ticket is not covered by PayPal buyer protection because the purchased goods (in this case, the ticket) have been delivered.

Stoogenke says if you think a ticket seller is doing something deceptive, contact Action 9 and file a complaint with the Attorney General’s office.

(WATCH: Action 9 helps woman get full refund from popular online retailer)


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Paul Stenhouse: OnlyFans rolls back adult content ban https://chargersnflofficialonline.com/paul-stenhouse-onlyfans-rolls-back-adult-content-ban/ https://chargersnflofficialonline.com/paul-stenhouse-onlyfans-rolls-back-adult-content-ban/#respond Fri, 27 Aug 2021 23:02:00 +0000 https://chargersnflofficialonline.com/paul-stenhouse-onlyfans-rolls-back-adult-content-ban/ Apple’s internet tax could be threatened One of the requirements for having an app on Apple’s App Store was that you had to use their payment service where they take up to 30% of your income. You can’t even send users emails with the data you’ve collected from users using your app by promoting another […]]]>

Apple’s internet tax could be threatened

One of the requirements for having an app on Apple’s App Store was that you had to use their payment service where they take up to 30% of your income. You can’t even send users emails with the data you’ve collected from users using your app by promoting another payment method. It’s about to change.

A class action lawsuit brought by U.S. app developers won a $ 100 million payment from Apple and a rule change. So, now you can send an email or SMS to users with the information collected from the app. Critics say this is only the first step and that Apple should rethink the forced payment method in the app because it is an antitrust violation.

OnlyFans has rescinded its ban on adult content

In what has been compared to Twitter removing the ability for people to tweet, OnlyFans told its community that adult content will be banned. Apparently, there are also musicians, fitness trainers, and beauty influencers on the platform who teach classes and provide a way for fans to connect. OnlyFans said its banks would not support their operations, but news reports suggested that they were also struggling to find investors despite the fact that they would have to double their revenues to $ 2.5 billion the next year. There are concerns about legal liability for illegal content on the platform. Well the money has to talk now as they overturned the decision and OnlyFans is continuing as is.

Afghan refugees receive Airbnbs

Airbnb is committed to accommodating 20,000 refugees free of charge, “as long as necessary”. Airbnb CEO Brian Chesky tweeted that hosts who are willing to make their home available to get in touch.

Airbnb launched a non-profit organization a few years ago to help people displaced by natural disasters and provide essential workers with a place to stay away from their families during the height of the COVID pandemic. If you want to help house refugees, you can visit airbnb.org.

LISTEN ABOVE


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When is a 0% APR credit card better than a Buy Now, Pay Later loan? https://chargersnflofficialonline.com/when-is-a-0-apr-credit-card-better-than-a-buy-now-pay-later-loan/ https://chargersnflofficialonline.com/when-is-a-0-apr-credit-card-better-than-a-buy-now-pay-later-loan/#respond Tue, 24 Aug 2021 01:40:18 +0000 https://chargersnflofficialonline.com/when-is-a-0-apr-credit-card-better-than-a-buy-now-pay-later-loan/ Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners. Buying an expensive Peloton bike or spending hundreds of dollars on skin care at Sephora is easier than ever with the rise […]]]>

Select’s editorial team works independently to review financial products and write articles that our readers will find useful. We may receive a commission when you click on product links from our affiliate partners.

Buying an expensive Peloton bike or spending hundreds of dollars on skin care at Sephora is easier than ever with the rise of ‘buy now, pay later’ services, also known as point loans. sale (POS). With POS loans, consumers can spread the cost of their purchases in installments over several months, sometimes with an interest rate of 0%.

Point-of-sale loans were the most popular among young people: A survey by LendingTree in April found that nearly 60% of Gen Z respondents surveyed had used a point-of-sale loan. This age cohort was also less likely to view the use of POS loans as a form of debt.

With an average APR on credit cards of around 16%, it’s easy to see why people are opting for POS loans on the checkout page of their favorite retailers. But today, many credit cards offer an introductory 0% APR period on purchases and balance transfers, which makes us wonder what really is the best payment method.

Select explores the pros and cons of using a 0% APR credit card or POS loan for your next purchase.

Use of a 0% APR credit card

Let’s first explain what an APR is: Known as the annual percentage rate, an APR is the interest rate you are charged if your credit card balance is not paid off on time and in all in each billing cycle.

The biggest advantage of signing up for a card with a 0% APR introductory period on purchases is that you are able to maintain a balance during the specified introductory period without incurring any interest.

Some cards also come with a 0% APR introductory period on balance transfers, which allows people to transfer their outstanding balance from one credit card to another so they don’t accumulate additional interest. . This interest-free period usually lasts between 12 and 20 months.

To qualify for a 0% APR rate credit card, you will typically need a good or excellent credit score, or a score of 670 or higher. It is possible to qualify for a 0% APR credit card with fair or average credit, but you might get a shorter introductory period.

Another major benefit of a 0% APR credit card is the possibility of earning rewards. With a POS loan, you will not have the opportunity to earn a welcome bonus or get cash back on your purchase. There are many 0% APR credit cards on the market, so you can easily find one that saves you on interest and earns you a welcome bonus and cash back for your daily spending.

The Capital One SavorOne Cash Rewards credit card is a card that has an introductory period of 0% APR on purchases of 15 months (afterwards, from 15.49% to 25.49% variable APR). It offers cardholders 3% cash back on meals and entertainment, 3% on qualifying streaming services, and 3% at grocery stores, making it a good choice for cardholders who dine regularly and attend concerts or shows. The SavorOne also has a welcome bonus of $ 200 after spending $ 500 within the first three months of opening the account.

Capital One SavourOne Cash Rewards credit card

Capital One® SavorOne® Cash Rewards credit card information was independently collected by Select and was not reviewed or provided by the card issuer prior to posting.

  • Awards

    3% cash back on meals and entertainment, 3% on qualifying streaming services, 3% at grocery stores and 1% on all other purchases

  • Welcome bonus

    Earn a one-time $ 200 cash bonus after spending $ 500 on purchases within 3 months of opening the account

  • Annual subscription

  • Introduction APR

    0% introductory APR for the first 15 months of opening your account

  • Regular APR

    15.49% to 25.49% variable

  • Balance transfer fees

    3% for APR promotional offers; none for balances transferred to the regular APR

  • Foreign transaction fees

  • Credit needed

Another card you might want to consider is Wells Fargo Active Cash.SM Card, which is a 2% cash reward card with an introductory period of 15 months at 0% APR on purchases (afterwards, 14.99% – 24.99% variable APR). This card also offers a welcome bonus of $ 200 in cash rewards after spending $ 1,000 in the first three months after opening the account.

Wells Fargo Active Cash Card℠

  • Awards

    2% unlimited cash rewards on purchases

  • Welcome bonus

    $ 200 cash rewards bonus after spending $ 1000 on purchases in the first 3 months after opening the account

  • Annual subscription

  • Introduction APR

    0% APR on qualifying purchases and balance transfers during the first 15 months from account opening

  • Regular APR

    14.99% to 24.99% variable on purchases and balance transfers

  • Balance transfer fees

    3% launch fee ($ 5 minimum) for 120 days from account opening, then up to 5% ($ 5 minimum)

  • Foreign transaction fees

  • Credit needed

While eligibility for a 0% APR rate credit card requires a decent credit score, using one responsibly by making payments on time can also help build your credit score. This means that you have a payment plan in place so that you don’t have a balance once the introductory period is over. Be aware that you may need to make a minimum payment to your card each month or risk your introductory period ending sooner by the card issuer.

Getting a new credit card in general can also lower your credit utilization rate, or the ratio of credit used to the amount of credit you’ve extended, which can also increase your credit score.

Credit cards offer protections that POS loan providers do not. If you end up buying a faulty item or a credit card scam, you can dispute the charges due to the Fair Credit Billing Act. On the other hand, point-of-sale loan providers are not regulated in the same way, so returning items or disputing charges can be more complicated.

Using a POS loan

A POS loan may be a good choice for you if you can’t qualify for a 0% APR credit card or if you’re not looking to extend your credit beyond a single purchase, says Matt Schulz, Chief Credit Analyst at LendingTree.

Affirm, Afterpay, and Klarna are some of the most popular BNPL loan providers. They offer financing options with 0% interest rates usually on shorter repayment periods, which makes them a good choice if you can’t get a 0% APR credit card. (Afterpay doesn’t consider itself a POS loan provider because it doesn’t charge interest, but the business is still often classified as such.)

One of the most important factors to consider when obtaining a POS loan is the interest rate and fees.

Affirm has loans with interest rates of up to 30% and does not charge any late fees. Klarna may charge up to 25% of the order value as late fees. Be sure to read the fine print of your specific point of sale loan before deciding if it is right for you.

One of the main advantages of using a POS loan is that some providers ignore your credit score at all or weigh your credit score heavily when determining your eligibility for a loan. Afterpay does not check your credit history while Affirm and Klarna perform soft credit checks (although Klarna may do a thorough investigation for some loans).

If, however, you are looking to improve your credit score, POS loans might not be your best option. Some point-of-sale loan providers report your payment history to the credit bureaus, while others do not.

Affirm only reports certain loans to Experian. On the flip side, Klarna doesn’t report any of her loans as interest-free, and Afterpay never reports the credit bureaus.

However, be aware that even if you are on time with your POS loan payments, they could still end up hurting your credit score if reported to the credit bureaus. Here’s why: Every time you get a POS loan, you open a new line of credit and close it every time you pay it off. This could end up lowering the average age of your credit history and therefore lowering your credit score.

At the end of the line

When deciding whether to get a 0% APR credit card or a POS loan, there are a number of factors that you need to consider.

First, you need to determine if your credit score is good enough to qualify for a 0% APR rate credit card. Plus, do you need additional credit beyond a single purchase? Does your POS loan have an interest rate? How much do you value the welcome bonuses and rewards offered by credit cards?

These are all questions you need to ask yourself when deciding between the two and if you make the right choice, you could end up financing your purchase without paying any extra interest or late fees on that exercise bike or that bike. eye cream.

Editorial note: Any opinions, analysis, criticism or recommendations expressed in this article are the sole responsibility of the editorial staff of Select and have not been reviewed, endorsed or otherwise approved by any third party.


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Saffie Osborne may land long-haul winner for dad Jamie in Brighton on Monday https://chargersnflofficialonline.com/saffie-osborne-may-land-long-haul-winner-for-dad-jamie-in-brighton-on-monday/ https://chargersnflofficialonline.com/saffie-osborne-may-land-long-haul-winner-for-dad-jamie-in-brighton-on-monday/#respond Sun, 22 Aug 2021 16:25:21 +0000 https://chargersnflofficialonline.com/saffie-osborne-may-land-long-haul-winner-for-dad-jamie-in-brighton-on-monday/ SUN Racing goes in search of value on Monday. Read on for the best tips around. OFFERS OF THE DAY William Hill: Bet £ 10 Get £ 40- £ 30 in Free Sports Bets + £ 10 Casino Bonus – CLAIM HERE Betfair – £ 40 free bets when you place a £ 10 race […]]]>

SUN Racing goes in search of value on Monday.

Read on for the best tips around.

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  • Never chase their losses
  • Don’t gamble if he’s upset, angry or depressed
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  • Aware of the bet – www.begambleaware.org


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