Graduating Secured Credit Cards to Full Featured Products

In Mercator Advisory Group’s research on secured cards, we noted how the market changed since the Credit Card Accountability Responsibility and Disclosure Act of 2009 (CARD Act) eliminated a series of unfair practices. Before the regulation, the market was filled with hard money lenders who took advantage of borrowers with sky-high interest rates and even worse junk fees. Things like application fees, activation fees, and risk fees tainted the product. The CARD Act cleaned up the business, and now top lenders, from Bank of America, Chase, Discover, and US Bank, offer worthwhile cards, with interest rates ranging from 11.65% to 24.99%, and reasonable, in-range fees.  Mastercard and Visa also came out with more rigorous standards for their franchisees. We peg the U.S. market at almost 5 million cards today, with the potential to embrace 500 percent more, given the number of low-banked, underbanked, and unbanked in the market. Working in credit for decades often brings friends and acquaintances with questions about “what is the best card for me to get?” Many times my answer is something along the lines of a Chase Freedom card, which I like because it carries an excellent reward str...

E-cig companies use vape trick videos to market products, study shows

A decidedly lit phenomenon is the subject of a new study from a group of Yale researchers: vape trick videos on YouTube. The researchers previously found that — right behind fruity flavors — young people say vape tricks were one of the leading reasons they wanted to try vaping. So they took a quantitative look at the most popular vaping trick videos on YouTube to find out who’s making them and why they appeal to young people.  They found that the videos feature over 80 percent men. And that over half of those (mostly) bros were white.  More significantly, the researchers also found that nearly half of the videos were directly produced by vaping marketers or stores. It’s likely that the rest of the videos—many from vaping “influencers”—were actually sponsored by vaping companies, said lead researcher Grace Kong. The giveaway? Prominently featured products and logos.  “I don’t know if the private accounts are true private accounts, because they could be getting paid,” Kong said. In case you’ve been living under a rock, vaping (and Juuling) has spread so fast among teens that the U.S. Surgeon General has declared youth e-cigarette use an &#...

Geyser Brands Inc. Featured in CannabisNewsAudio Broadcast on Surge in Hemp-Based Pet Products TSX Venture Exchange:GYSR

NEW YORK, June 07, 2019 (GLOBE NEWSWIRE) — via CannabisNewsAudio – Geyser Brands Inc. (TSX.V: GYSR) announces the availability of a CannabisNewsAudio Broadcast titled, “Products for Pets Gain Prominence in Hemp Market.” Recent decades have seen growth in the middle class around the world. The growing strength of emerging economies means that more people across Africa and Asia have wealth to spend on goods beyond the essentials. And among the nonessentials many adopt are pets. Pet ownership is growing around the world, and that growth increases the demand for the items needed that come with owning a pet, including grooming, toys and food. Apawthecary Pets [recently acquired by Geyser Brands Inc. (TSX.V: GYSR)] provides a range of CBD treats and oral drops designed to improve the health and well-being of dogs. These products have helped owners treat pain, anxiety, and seizures, making life better for their pets. And now the company is adding a new brand, WildTails, with a range of treats for both dogs and cats. Freeze-dried meat treats infused with hemp or CBD, these products minimize processing and the addition of extra ingredients to make a snack that is both natural and g...

This story was written in collaboration with Forbes Finds. Forbes Finds covers products we think you’ll love. Featured

This story was written in collaboration with Forbes Finds. Forbes Finds covers products we think you’ll love. Featured products are independently selected and linked to for your convenience. If you buy something using a link on this page, Forbes may receive a small share of that sale. With over 30 million foreign visitors each year, Paris is still the most popular tourist destination in the world. Hence it bears to reason that this is a city with a hotel to truly satisfy every traveler. The most sensational places to stay—both on the Right and Left Bank—include romantic palace hotels with world-class chefs, cozy vine-covered boltholes teeming with romance, and innovative design-forward converted townhouses. Rife with history, charm and vintage finds, accommodation is one thing this city of romance always gets right. First opened in 1898 by Swiss-born César Ritz, the Ritz Paris is a national treasure. Coco Chanel lived there for 34 years. And everyone from F. Scott Fitzgerald, Cole Porter, Rudolph Valentino, Winston Churchill, and Marcel Proust have rested their famous heads on the hotel’s silky sheets. Hemingway even got a bar named after him. And hotel pays homage to Chop...