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Cyber Monday 2021 live blog: The best deals available to buy now

Update, 11:45 a.m. PT: We're piggy bank that counts money walmart cranking out deals as we find them here, but feel free to peruse the links below for alternate curated versions of some of our favorite items on sale. 

Cyber Monday is, well, Monday -- but the Cyber Monday deals are here now. These are, for the most part, a continuation of the Black Friday offers from last week. But the big difference is that the clock is ticking: Once they go away, a lot of them won't be back until Prime Day. Our Black Friday team -- now swapping on our Cyber Monday hats -- is hard at work sifting through every sale, including biggies like Walmart, Amazon, Target and Best Buy, to bring you the best Black Friday deals carrying over and great Cyber Monday deals as they trickle in. 

Again, you may see some new items on sale for Monday, but that's actually pretty rare. If you see a live deal you like, we recommend pouncing on it. And a spreadsheet for tracking prices can be a serious shopper's best friend.

The best Cyber Monday deals

surface-pro-7

If you need a two-in-one that can act as a laptop as well as a tablet when needed, and you're on a tight budget, the Microsoft Surface Pro 7 Plus is the way to go.

sur-la-table-kitchenaid-stand-mixer

This KitchenAid Professional Series stand mixer offers a lot of power and versatility in a compact package. It features 10 speed settings and a bowl-lift design that is perfect for larger batches and dense ingredients. It comes with a set of whisks, flat beaters and a dough hook, but there are over 10 additional attachments available to help you get even more out of this mixer without sacrificing more counter space. 

terra

The SodaStream Terra was featured as part of Target's early deals, but as part of its main event it's dropped another $10, bringing it to its lowest price to date.

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Like other retailers, Target doesn't offer a direct discount on the Quest 2, but you will get a $50 gift card that can be used toward a future purchase. The Quest 2 rarely gets discounted, and while you are still technically paying full price for the unit itself, the gift card is something you won't want to miss out on.

samsung

The Samsung Chromebook 4 is a great blend of durable, portable, and accessible. It boasts 4GB of RAM and 64GB of storage, so it's ideal for browsing and online work, but not too much more than that.

echo-dot-sengled-bulb

The third-gen Echo Dot is on sale for $20, so why wouldn't you opt for the bundle that also includes a free smart bulb? It's a colored light that can be automated using the Echo Dot, which is pretty sweet. Plus, the Dot does much more, including helping you figure out the weather, do conversions and math. It can even play music.

surface-go-2-render-3

The Surface Go 2 is designed to be an ultra-portable laptop. It offers a long-lasting battery, 10.5-inch display, 4GB of RAM, 64GB of storage and will be available to upgrade to Windows 11 when it's available for this model. At this price, it does not come with the keyboard attachment, online trading academy new york brooklyn ny 11217 that can be purchased separately.

neato-d6

Unlike many other robot vacuums, this option from Neato has a D shape instead of being fully round, which allows it to get closer to walls and into corners better. It has a laser smart mapping system that you can use to block off areas that you don't want it to vacuum. You can schedule it for times that work best for you, or use the free app to control it and start it at any time. It offers up to 120 minutes of cleaning time per charge, and it will automatically recharge itself to complete the floor if it runs out of power.

20-tcl-6-series-65r617-roku-tv

TCL's 6-series features a Mini-LED QLED 4K panel, comes in a variety of different sizes, and run's Google TV. David Katzmaier, in the CNET review of the 6-Series, says "Compared to the 2019 6-Series the 2020 version is better in pretty much every way." and the 6-Series was recently awarded an Editors' Choice award. If you're looking for an affordable TV that's truly great in almost every way, this is the one to buy.

023-moto-g-power

Battery life has become a bit better on modern phones, but this option from Motorola beats the competition pretty easily. It's said to feature three-day battery life while still offering great specs including a 48-megapixel camera for capturing all your big memories. It comes in two different colors and you can grab it with 32GB of storage, or upgrade to 64GB for $10 more.

k-compact

Although Keurig's Cyber Monday sitewide sale is now live, you can find better discounts on some of their most popular coffee makers on other websites, including the already affordable Keurig K-Compact. The sleep and stylish single serve coffee maker brews multiple cup sizes, is easy to use and it's currently available for $39 at Walmart.

fitbitinspire2

Fitbit's Inspire 2 is a great fitness tracker that offers a bunch of features without breaking the bank. It comes in a few different colors, but currently only the desert rose (pink) option is available for this discounted price ahead of Cyber Monday.

Источник: https://www.cnet.com/news-live/black-friday-2021-live-blog/

Black Friday Pokemon deals 2021 - the best offers still available right now

There’s still a bunch of great Black Friday Pokemon deals up for grabs this weekend, which means there’s still time to get a head start on your Christmas shopping or pick yourself up a little treat before Monday rolls around. You’ll have a lot to choose from as we’ve found deals on toys, collectibles, clothing, and more. 

The Black Friday Pokemon deals we’ve found are available at a variety of retailers in both the UK and the US so no matter where you’re shopping from, you’re sure to find a good deal this weekend. There’s still a high chance these deals will sell out quickly though, so it’s always better to grab ‘em while you can. 

So, if you’re trying to catch some super effective Black Friday Pokemon deals this weekend, we've gathered together all of the Black Friday Pokemon deals still available right now to help you save. Below, you'll also find some helpful advice on what to watch out for over the weekend to make the most of the offers while they last.  

Today's best Black Friday Pokemon deals

USA

UK

Black Friday Pokemon deals - USA

Gaming

Toys

Merch

Clothing

Black Friday Pokemon deals - UK

Gaming

Toys

Clothing

Merch

Black Friday Pokemon deals - everything you need to know

What will the best Black Friday Pokemon deals be?

There's always a lot to choose from during the sales, but we'd recommend keeping an eye on toys and merch in particular. These have received the majority of reductions in the past. As an example, the official Pikachu plush seems to drop to somewhere near its lowest price - hovering at around $13 instead of $20 - during November each year.

We've seen smaller action figures get price cuts during and just after the event as well. The Ash and Pikachu combo pack is a good case in point of why it's worth staying on your toes even after the official Black Friday Pokemon deals have wrapped up; it dipped below $10 in early December 2020.

Games are likely to get a discount during the Black Friday Pokemon deals too - in fact, they already are in some regions. To start with, Sword and Shield are prime candidates for a price cut seeing as they've been around for a little while. And because this is the slightly newer Pokemon Snap's first Black Friday, it's probably going to get a reduction as well.

Sadly, Black Friday Pokemon card deals are harder to come by. The popular trading card game isn't often reduced, so be sure to take advantage of any saving you see, no matter how small it is. It may be your best chance of the year.

Will new games get a discount during the Black Friday Pokemon deals?

The video game series that started it all is always worth a look during the Black Friday Pokemon deals, and there's a chance we'll save on the latest releases as well. With Brilliant Diamond and Shining Pearl having launched on November 19 (a week before Black Friday itself), we wouldn't be surprised if they enjoyed a small discount in honor of the event. 

While there isn't much chance of them receiving a big price cut due to Nintendo games notoriously holding their value after release, any money off would be welcome. We could see it being a flagship Nintendo Switch discount for some retailers, particularly as part of a console bundle.

On much the same note, pre-orders for Pokemon Legends Arceus are worth keeping an eye on as well. It isn't due out until January, yet that isn't to say it won't get reduced this year. As one of 2022's most anticipated games, what other discount could generate as much buzz during the Black Friday Pokemon deals? We can't see the likes of Amazon passing up that opportunity.

Black Friday Pokemon retailers to watch this year

USA

Amazon:Usually the best for discounts overall
Best Buy:Offers surprisingly good merch deals
Walmart:Great for game and card discounts

UK

Amazon:Traditionally the most reliable for variety and price-cuts
Currys: A source of regular console bundle discounts
Argos: Good variety on toys and merch


Want more opportunities to save money? Don't forget to drop in on the Black Friday gaming deals or Black Friday board game deals.

As the site's Tabletop & Merch Editor, you'll find my grubby paws on everything from board game reviews to Lego buying guides. I've been writing about games in one form or another for almost a decade (with bylines ranging from Metro.co.uk to TechRadar) and joined the GamesRadar+ team in 2018. I can normally be found cackling over some evil plan I've cooked up for my group's next Dungeons & Dragons campaign.

Источник: https://www.gamesradar.com/black-friday-pokemon-deals-2021/
Walmart heirs to candy conglomerates: These are the 25 richest families in the US

The new film House of Gucci may be a sensational story of madness, glamour and greed, but you don't need to look far to find equivalents here in the U.S.

The wealthiest dynasties in America have also seen many bitter battles over inheritance and power, though some have quietly risen to the ranks of the elite without too much media scrutiny.

Last year Forbes released a list of the richest families in the country, based on their estimated net worths.

Here are their stories, from retail giants to publishing powerhouses — and stick around to the end to learn how to make your own family a little richer.

25. Gallo family

Ernest and Julio Gallo

Net worth: $12.4 billion

The dynasty responsible for Gallo wines began with a tragic story.

Italian immigrant Joseph Gallo set up an illegal but successful wine business during Prohibition, but on the eve of the repeal, he and his wife were both found dead at their farm. After their parents’ death, sons Ernest and Julio established a legal business in 1933.

E&J Gallo Winery, a global leader in the wine industry, today is run by their descendants.

The company recently completed the acquisition of more than 30 wine brands from Constellation Brands, including Arbor Mist, Black Box and Wild Horse.

24. Rollins family

Gary and Kathleen Rollins

Net worth: $13.1 billion

This family made its fortune through pest control and owns Orkin — the biggest pest control company by revenue in North America.

O. Wayne Rollins and John Rollins originally founded What does bb cream and cc cream mean Broadcasting, a radio and TV business, in the 1940s, but the brothers kept expanding into other sectors and later purchased Orkin for $62 million in 1964.

Gary Rollins, Wayne’s son, presides over the family business as CEO and chairman. The family now owns about 53% of Rollins Inc., along with stakes in oil-and-gas company RPC Inc. and boat dealer Marine Products Corp.

A feud over the family trust funds was settled in 2019 — four of Wayne’s grandchildren sued their father Gary and uncle Randall over their control.

23. Goldman family

World Trade Center

Net worth: $13.2 billion

One of the richest families in real estate, the Goldman clan owns more than 700 properties across the country as well as stakes in the World Trade Center developments in lower Manhattan, says Forbes.

Sol Goldman started his real estate business, Solil Management (named for Sol and his wife Lillian), by purchasing foreclosed properties on the cheap in NYC in the 1950s. Upon his death in 1987, Sol was New York’s largest private landlord.

His daughter Jane currently helms the company, while son Lloyd is in charge of property management firm BLDG Management. Jane and three of her siblings each own a quarter stake in Solil.

Nowadays, you don't need to be a billionaire to invest in real estate. You can kickstart a portfolio of commercial and residential properties with as little as $100.

22. Stryker family

Ronda Stryker

Net worth: $13.2 billion

Homer Stryker, an orthopedic surgeon from Kalamazoo, Michigan, decided to invent his own medical devices to meet his patients’ needs — one of them is the mobile hospital bed — and started his own business to produce them in 1941.

His three grandchildren inherited an estimated 13% stake in the company, and granddaughter Ronda Stryker has sat on the board of directors since 1984.

Stryker, now a global leader in medical technologies, had sales of $14.9 billion in 2019, says Forbes. The company also launched a low-cost Emergency Relief Bed last year to help support frontline workers during the COVID-19 pandemic.

21. Cathy family

S. Truett, Dan and Andrew Cathy

Net worth: $14.2 billion

S. Truett Cathy opened the Atlanta diner Dwarf Grill (later renamed The Dwarf House) in 1946. Following its success, he launched Chick-fil-A in 1967, and it’s become one of America’s biggest quick-service chicken restaurants.

Today, sons Dan and Bubba Cathy lead and own the fast food franchise, which has more than 2,500 outlets in the U.S. Dan serves as chairman and CEO, while Bubba is executive vice president.

Daughter Trudy also works for the family business — she became an operator of a Chick-fil-A in Birmingham, Alabama, after finishing her freshman year at Samford University, and currently serves as Ambassador. Dan’s son, Andrew, serves as executive vice president of operations.

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Net worth: $15 billion

Dirk, Robert and Daniel Ziff are heirs to media conglomerate Ziff Davis LLC, which was originally founded by their grandfather, William Bernard Ziff Sr., as a publishing company in 1927.

William B. Sr.’s son William Chime create account. Jr. sold the publisher to Forstmann, Little & Company for $1.4 billion in 1994, and his three sons used the funds to form Ziff Brothers Investments and hedge fund Och-Ziff Capital Management.

Ziff Brothers closed in 2014, and Och-Ziff was rebranded as Sculptor Capital Management.

Dirk is also the owner of World Surf League, an organization for professional surfers.

19 (tie). Dorrance family

Campbell's Chicken Noodle Soup

Net worth: $15 billion

John T. Dorrance invented the process for making condensed soup in 1899 — and made his brand Campbell’s Soup a household name across the globe.

The Dorrance descendants are now one of the richest families in the U.S. They own about 41% of the company collectively, reported CNBC in 2018.

John’s granddaughter Mary Alice Malone, who is also president of horse-breeding farm Iron Spring Farm, owns the biggest stake in the soup empire at 17.7%. John’s grandson Bennett Dorrance holds a 15.4% stake in Campbell’s and also founded real estate development firm DMB Associates. Both siblings also serve on Campbell’s board of directors.

18. Hunt family

Hunt oil company sign

Net worth: $15.5 billion

Arkansas cotton trader H.L. Hunt — who also inspired the character of J.R. Ewing on TV series Dallas — turned a $50 loan into a lucrative oil empire, and today his heirs are reaping the benefits.

His eldest children sold his Hunt Petroleum to XTO Energy in 2008 for $4.2 billion in cash and stock, says Forbes, but sons Ray Lee and W. Herbert still own Hunt Oil and Petro-Hunt, respectively. Ray’s son Hunter is CEO of Hunt Consolidated Energy.

His daughter Caroline founded (and then sold) Rosewood Hotels & Resorts, and son Lamar was credited with naming the Super Bowl.

Lamar’s children inherited the NFL's Kansas City Chiefs, a stake in the NBA's Chicago Bulls and real estate in Kansas City and Texas after his death.

If you need a loan to kickstart your own plans — whether you need $50 or $5,000 — now is a great time to get one while interest rates are historically low.

17. DuPont family

DuPont logo at Silicon Valley Technology and innovation Center.

Net worth: $16 billion

There are around 4,000 heirs to chemical giant DuPont, which traces its origins all the way back to 1802. Only one, Eleuthere I. du Pont, still sits on the company’s board of directors today.

E.I. du Pont first founded the company as a gunpowder manufacturer, but it has since expanded to include clean technologies, consumer products and medical devices and materials. DuPont is also credited for inventing rayon, nylon and Kevlar.

In 2017, DuPont merged with competitor Dow Chemical but then split into three companies — DuPont, Dow and Corteva — just two years later.

16. Busch family

The Busch Family Brewed

Net worth: $17.6 billion

The Busch family is responsible for beer brands Budweiser and Bud Light. Adolphus Busch co-founded local brewery Anheuser-Busch with his father-in-law Eberhard Anheuser in the 1850s in St. Louis.

Although the family continued to pass down the business from generation to generation following Adolphus’ death, InBev purchased Anheuser-Busch in a hostile takeover in 2008 for $52 billion.

August Busch IV, who served as CEO at the time, was the last of the family to control the company.

Recently, MTV launched reality series The Busch Family Brewed, which follows the lives of Billy Busch Sr., his wife Christi and their seven children.

15. Butt family

Charles Butt

Net worth: $17.8 billion

In 1905, Florence Butt opened the C.C. Butt Grocery Store in Kerrville, Texas, with just $60. Over a century later, H-E-B is celebrated as one of America’s top grocery chains.

Florence’s son, Howard, took over the company in the 1920s and expanded it across Texas, while his son, Charles (who used to bag groceries for customers at the age of 8), succeeded him in 1971.

Charles is still CEO and chairman, with a majority stake in the company, and his two siblings and nephews also own stakes.

14. Marshall family

Marshall family

Net worth: $18.5 billion

The Marshalls get their money from Koch Industries — J. Howard Marshall II was a business partner of founder Fred C. Koch and owned an estimated 16% stake in the company.

His stock passed to son E. Pierce Marshall and now sits in trusts for E. Pierce’s wife, sons and other family members. Elaine serves on the board of Koch Industries, while E. Pierce Jr. helms investment firm Elevage Capital Management.

Bloomberg reported in 2012 that Elaine owned a 15% stake in the business, making her one of the richest women in the U.S., worth $12.7 billion, but the heiress told the Dallas Morning News that the valuation was “ridiculous.”

13. Brown family

G. Garvin Brown IV

Net worth: $20.4 billion

Brown-Forman Corp. — the Kentucky-based spirits and wine producer that gave us Jack Daniel’s and Finlandia — has been around since 1870.

Pharmaceutical salesman George Garvin Brown began a whiskey business with $5,500 in savings and borrowed money and partnered with his accountant, George Forman. Upon Forman’s death, Brown bought out his shares.

Today, the Brown brood owns about half of the company. George Garvin Brown IV, a 5th-generation family member, recently stepped down from the board after 15 years of service.

Campbell P. Brown, who used to be president and managing director of the Old Forester bourbon brand, remains chair, and Marshall B. Farrer serves as senior vice president, president of Europe.

12. Hearst family

William R. Hearst III

Net worth: $21 billion

The Hearst Corp. began with 23-year-old William Randolph Hearst leading the San Francisco Examiner back in 1887. Today, the media conglomerate owns more than 360 businesses in publishing, television, radio, financial and medical services and transportation assets.

Among its brands are the cable TV networks A&E, HISTORY, Lifetime and ESPN, and the popular magazines Cosmopolitan, ELLE and Men’s Health and newspapers Houston Chronicle and San Francisco Chronicle.

Hearst’s grandson and heir, William R. Hearst III, serves as chairman of the board. He is also president of the William Randolph Hearst Foundation and director of the Hearst Foundations. He also worked for the San Francisco Examiner and Los Angeles Herald Examiner.

11. Duncan family

Dan Duncan

Net worth: $22 billion

Dan Duncan founded oil pipeline giant Enterprise Products B of a account sign in in 1968 and was worth $9 billion upon his death in 2010, reports Forbes.

His children Randa Duncan Williams, Milane Frantz, Dannine Duncan Avara and Scott Duncan inherited his $10 billion estate, and their combined wealth has doubled since then; each heir has a net worth of more than $5 billion today.

Randa joined the family business in 1994, became president and CEO of Enterprise Products in 2001 and has served as chairman of the board since 2013. She also owns Austin-based magazine Texas Monthly.

10. Newhouse family

Donald and Susan Newhouse

Net worth: $30 billion

The Newhouses inherited Advance Publications, the publishing company that owns Condé Nast Publications — responsible for Vogue, The New Yorker, Vanity Fair and other publications — and has stakes in Discovery Communications and Reddit.

Samuel Irving (S.I.) Newhouse began the business in 1922, and his sons Samuel and Donald took over after his death in 1979. Samuel Jr. ran its magazine division while Donald headed the newspaper and television segment.

Samuel Jr. passed away in 2017, but Donald Newhouse remains owner and shares the closest bank of america branch of co-president with his son Steven. Donald’s cousin Jonathan also serves as chairman of Condé Nast.

9. Pritzker family

Penny Pritzker

Net worth: $32.5 billion

These hotel heirs spent years battling over the family trusts left behind by Jay Pritzker, who, along with his brothers Robert and Donald and their father A.N. Pritzker, created Hyatt and invested in industrial holding company Marmon Group.

Former child actress Liesel Pritzker Simmons, who sued the Pritzker family in 2002 for allegedly robbing her and her brother of their inheritance, currently oversees venture capital company Blue Haven Initiative, which she co-founded with her husband.

Jay’s son, Thomas, serves as chairman of Hyatt, and Thomas’ son, Jason, sits on the company's board. Donald’s son J.B. Pritzker became governor of Illinois in 2019 and daughter Penny served as Secretary of Commerce in the Obama administration.

8. Cox family

Jim Kennedy

Net worth: $34.5 billion

This wealthy dynasty owns media and automotive company Cox Enterprises, founded by James M. Cox in 1898, when he borrowed $26,000 from his family and friends and purchased the Dayton Evening News (now the Dayton Daily News).

He later served as governor of Ohio and also stood for the presidential election with Franklin D. Roosevelt as his vice presidential running mate.

Third-generation family member Jim Kennedy, who served as CEO from 1988 to 2008, currently chairs the board, while great-grandson Alex C. Taylor now helms Cox.

Cox also sold a majority stake in its broadcast stations to Apollo Global Management for a reported $3 billion in 2019, adding to the family fortune.

7. Johnson family

Abigail Johnson

Net worth: $34.5 billion

The Johnsons own almost half of mutual fund giant Fidelity Investments, and the family business is now headed by Abigail Johnson, the granddaughter of Edward C. Johnson, who founded it in 1946.

Abigail, who used to work summers at Fidelity during college, joined full-time as an analyst in 1988 and took over from her father as CEO in 2014. Under her leadership, Fidelity began mining cryptocurrency and allows investors to trade Bitcoin and Ether.

Her brother Edward Johnson IV runs Pembroke Real Estate, owned by Fidelity's parent company FMR.

6. S.C. Johnson family

H. Fisk Johnson

Net worth: $37 billion

Cleaning products company S.C. Johnson, which owns the popular household brands Windex, Glade and Ziploc, began with salesman and manager S.C. Johnson, who bought a parquet flooring business in 1886.

Two years later, Johnson developed a new floor wax, and the business took off from there. The company has largely remained in the family, with three Johnson members on the board of directors.

Great-great-grandson H. Fisk Johnson currently leads the company, and his sister Helen Johnson-Leipold runs outdoor gear retailer Johnson Outdoors and chairs Johnson Financial.

5. Lauder family

Lauder family

Net worth: $40 billion

The Lauder dynasty came into its money through cosmetics firm Estée Lauder, which all started with the eponymous creator, who developed skin creams from her kitchen and founded the business with her husband in 1946.

Estée Lauder Companies includes 29 brands, among them makeup brands MAC and Clinique and fragrance lines for Donna Karan and Michael Kors.

Six billionaire members of the family hold stakes in the business. Estée’s grandsons William and Ronald serve as executive chairman of Estée Lauder and chairman of Clinique Laboratories, respectively.

Ronald’s daughter Aerin is style and image director at Estée Lauder and founded her own luxury lifestyle brand, AERIN Beauty, in 2012. Her younger sister Jane is an executive vice president at Clinique.

4. Cargill-MacMillan family

Muffy MacMillan

Net worth: $47 billion

America’s largest privately held corporation belongs to the Cargill-MacMillan clan and has been around since 1865, when W.W. Cargill started a grain storage business in Iowa.

Cargill is mainly premier community bank online banking as a food conglomerate, but it also has holdings in pharmaceuticals, beauty and the personal care, transportation and industrial sectors.

Forbes says about 90 family members today collectively own 88% of the company — eight of whom are billionaires and six of whom sit on the board of directors. The last family member to run the business, however, was Whitney MacMillan, who retired in 1995.

With the global population poised to hit 10 billion by 2050, there will be no shortage of mouths to feed. That makes now a very good time to do like the Cargill-MacMillans do and invest in farmland, one of human civilization’s oldest and most reliable sources of wealth.

3. Mars family

Victoria Mars

Net worth: $94 billion

Candy giant Mars has been expanding for a good century (it also includes a pet care/food division), and its founder’s grandchildren Jacqueline and John are two of the wealthiest people in the world, according to Forbes.

Frank Mars, who established the company when he started selling candy out of his kitchen, was the mastermind behind the Chase bank boca park las vegas Way, while son Forrest came up with the beloved brand M&Ms and the processing method for Uncle Ben’s rice.

John and Jacqueline each own a third of Mars, while their deceased brother Forrest Jr.’s four daughters inherited the rest.

2. Koch family

Charles Koch

Net worth: $100 billion

The Koch family owns the bulk of the Koch Industries fortune. Fred C. Koch founded the oil refinery firm that would eventually turn into Koch Industries in 1940.

Upon his death in 1967, his son Charles took over as CEO and chairman (he still holds that position today), while his other sons Frederick, David and William also inherited stakes.

Frederick and William were later ousted from the family business — their shares bought for about $800 million in 1983 — but David served as executive vice president until 2018, a year before he died.

Charles and David’s family each own 42% of the firm.

1. Walton family

Alice, Jim, and Rob Walton present the Sam M. Walton Entrepreneur of the Year Award at the 2011 Walmart Shareholders Meeting

Net worth: $247 billion

The Walmart heirs are the wealthiest in the country — about half of the retail mammoth’s stock is held by seven of Sam and James Walton’s descendants.

They include Sam's three living children — Rob, Jim and Alice — his daughter-in-law Christy and her son Lukas, as well as James’ daughters, Ann and Nancy.

Rob served as chairman for more than two decades and still serves on the board, while his son-in-law, Greg Penner, replaced him as chairman in 2015.

The Waltons also own Arvest Bank, the largest and oldest bank in the state of Arkansas.

While the family made its fortune helping people "Save Money, Live Better," you should know the big chains like Walmart don't always offer the best deals. Try using a free browser add-on to automatically hunt for lower prices when you shop online.

How to boost your own net worth

Adult man hands count money dollars

You may not become a billionaire anytime soon, but you can still increase your personal fortune by using some of the same strategies these families use.

That means reducing your costs, maximizing your income and jumping on lucrative opportunities.

  • Land a better mortgage rate. Interest rates are historically low right now, but they may not stay that way for long. If you refinance, you may be able to save hundreds each month and thousands over the lifespan of your loan.

  • Consolidate high interest debt. With interest rates as bad as 20% — or even worse — credit cards make it easy to fall into debt. Combining all of your balances into one loan with a much lower interest rate can help you save hundreds and free yourself from debt faster.

  • Invest in a "fine" asset. Returns on fine art by the likes of Banksy and Andy Warhol have crushed the S&P 500 in recent years. That used to be an option only for the ultra rich, but with a new investing platform, you can invest in iconic artworks, too, just like Jeff Bezos and Bill Gates do.

  • Turn pennies into a portfolio. Even if you don't have much money to spare, you can still earn big returns from today’s runaway stock market. A popular app will help you invest your “spare change” from everyday purchases.

This article provides information only and should not be construed as advice. It is provided without warranty of any kind.

Источник: https://news.yahoo.com/walmart-heirs-candy-conglomerates-25-180000564.html
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  • ^Adams, Richard; Weaver, Matthew (December 8, 2010). "WikiLeaks: the day cyber warfare broke out – as it happened". The Guardian.
  • ^UNifeed Geneva/PillayArchived Zions bank pocatello hours 24, 2012, at the Wayback Machine, UN Web site. Retrieved on December 15, 2010.
  • ^Zetter, Kim (July 12, 2012). "WikiLeaks Wins Icelandic Court Battle Against Visa for Blocking Donations | Threat Level". Wired. Retrieved March 26, 2013.
  • ^Commission, Australian Competition and Consumer (September 4, 2015). "Visa ordered to pay $18 million penalty for anti-competitive conduct following ACCC action". Australian Competition and Consumer Commission.
  • ^"Complaint, U.S. Equal Employment Opportunity Commission v. Home Depot USA Inc"(PDF). PacerMonitor. PacerMonitor. Retrieved June 16, 2016.
  • ^"ATM Operators File Antitrust Lawsuit Against Visa and MasterCard" (Press release). PR Newswire. October 12, 2011. Retrieved September 15, 2019.
  • ^"National Atm Council, Inc. v. Visa Inc., Civil Action No. 2011-1803 (D.D.C. 2017)". Court Listener. May 22, 2017. Retrieved July 12, 2020.
  • ^"Visa Check/MasterMoney Antitrust Litigation", Web Site. Archived April 28, 2006, at the Wayback Machine
  • ^Mallory Duncan (July 10, 2012). "Credit Card Market Is Unfair, Noncompetitive". Roll Call.
  • ^"Visa, Mastercard settlement means more flexibility for merchants". Marketplace. American Public Radio. Archived from the original on July 27, 2011.
  • ^"Commission exempts multilateral interchange fees for cross-border Visa card payments" (Press release). European Commission. July 24, 2002. Retrieved February 18, 2011.
  • ^"Competition: Commission sector inquiry finds major competition barriers in retail banking" (Press release). European Commission. January 31, 2007. Retrieved February 18, 2011.
  • ^"Antitrust: Commission initiates formal proceedings against Visa Europe Limited" (Press release). European Commission. March 26, 2008. Retrieved February 18, 2011.
  • ^UOKIK. "UOKiK – Home". www.uokik.gov.pl.
  • ^"Sector inquiry in the banking sector". February 8, 2007.
  • ^2018-07-04T17:04:18Z, Jan Strupczewski, Foo Yun Chee- (December 18, 2014). "EU agrees deal to cap bank card payment fees". Reuters – via www.reuters.com.
  • Источник: https://en.wikipedia.org/wiki/Visa_Inc.
    Visa Corporate

    A visualization of the Internet made using network routing data. Image: Barrett Lyon, opte.org.

    Imagine being able to disconnect or redirect Internet traffic destined for some of the world’s biggest companies — just by spoofing an email. This is the nature of a threat vector recently removed by a Fortune 500 firm that operates one of the largest Internet backbones.

    Based in Monroe, La., Lumen Technologies Inc. [NYSE: LUMN] (formerly CenturyLink) is one of more than two dozen entities that operate what’s known as an Internet Routing Registry gardner realtors garden district homes for sale. These IRRs maintain routing databases used by network operators to register their assigned network resources — i.e., the Internet addresses that have been allocated to their organization.

    The data maintained by the IRRs help keep track of which organizations have the right to access what Internet address space in the global routing system. Collectively, the information voluntarily submitted to the IRRs forms a distributed database of Internet routing instructions that helps connect a vast array of individual networks.

    There are about 70,000 distinct networks on the Internet today, ranging from huge broadband providers like AT&T, Comcast and Verizon to many movie times fort smith ar malco of enterprises that connect to the edge of the Internet for access. Each of these so-called “Autonomous Systems” (ASes) make their own decisions about how and with whom they will connect to the larger Internet.

    Regardless of how they get online, each AS uses the same language to specify which Internet IP address ranges they control: It’s called the Border Gateway Protocol, or BGP. Using BGP, an AS tells its directly connected neighbor AS(es) the addresses that it can reach. That neighbor in turn passes the information on to its neighbors, and so on, until the information has propagated everywhere [1].

    A key function of the BGP data maintained by IRRs is preventing rogue network operators from claiming another network’s addresses and hijacking their traffic. In essence, an organization can use IRRs to declare to the rest of the Internet, “These specific Internet address ranges are ours, should only originate from our network, and you should ignore any other networks trying to lay claim to these address ranges.”

    In the early days of the Internet, when organizations wanted to update their records with an IRR, the changes usually involved some amount of human interaction — often someone manually editing the new coordinates into an Internet backbone router. But over the years the various IRRs made it easier to automate this process via email.

    For a long time, any changes to an organization’s routing information with an IRR could be processed via email as long as one of the following authentication methods was successfully used:

    -CRYPT-PW: A password is added to the text of an email to the IRR containing the record they wish to add, change or delete (the IRR then compares that password to a hash of the password);

    -PGPKEY: The requestor signs the email containing the update with an encryption key the IRR recognizes;

    -MAIL-FROM: The requestor sends the record changes in an email to the IRR, and the authentication is based solely on the “From:” header of the email.

    Of these, MAIL-FROM has long been considered insecure, for the simple reason that it’s not difficult to spoof the return address of an email. And virtually all IRRs have disallowed its use since at least 2012, said Adam Korab, a network engineer and security researcher based in Houston.

    All except Level 3 Communications, a major Internet backbone provider acquired by Lumen/CenturyLink.

    “LEVEL 3 is the last IRR operator which allows the use of this method, although they have discouraged its use since at least 2012,” Korab told KrebsOnSecurity. “Other IRR operators have fully deprecated MAIL-FROM.”

    Importantly, the name and email address of each Autonomous System’s official contact for making updates with the IRRs is public information.

    Korab filed a vulnerability report with Lumen demonstrating how a simple spoofed email could be used to disrupt Internet service for banks, telecommunications firms and even government entities.

    “If such an attack were successful, it would result in customer IP address blocks being filtered and dropped, making them unreachable from some or all of the global Internet,” Korab said, noting that he found more than 2,000 Lumen customers were potentially affected. “This would effectively cut off Internet access for the impacted IP address blocks.”

    The recent outage that took Facebook, Instagram and WhatsApp offline for the better part of a day was caused by an erroneous BGP update submitted by Facebook. That update took away the map telling the world’s computers how to find its various online properties.

    Now consider the mayhem that would ensue if someone spoofed IRR updates to remove or alter routing entries for multiple e-commerce providers, banks and telecommunications companies at the same time.

    “Depending on the scope of an attack, this could impact individual customers, geographic market areas, or potentially the [Lumen] backbone,” Korab continued. “This attack is trivial to exploit, and has a difficult recovery. Our conjecture is that any impacted Lumen or customer IP address blocks would be offline for 24-48 hours. In the worst-case scenario, this could extend much longer.”

    Lumen told KrebsOnSecurity that it continued offering MAIL-FROM: authentication because many of its customers still relied on it due to legacy systems. Nevertheless, after receiving Korab’s report the company decided the wisest course of action was to disable MAIL-FROM: authentication altogether.

    “We recently received notice of a known insecure configuration with our Route Registry,” reads a statement Lumen shared with KrebsOnSecurity. “We already had mitigating controls in place and to date we have not identified any additional issues. As part of our normal cybersecurity protocol, we carefully considered this notice and took steps to further mitigate any potential risks the vulnerability may have created for our customers or systems.”

    Level3, now part of Lumen, has long urged customers to avoid using “Mail From” for authentication, but until very recently they still allowed it.

    Continue reading →

    Источник: https://krebsonsecurity.com/

    Visa Inc.

    American multinational financial services corporation

    "VISA" redirects here. For the document needed to enter a country's territory, see Travel visa. For other uses, see Visa (disambiguation).

    Visa Inc. (; stylized as VISA) is an American multinationalfinancial services corporation headquartered in Foster City, California, United States.[4] It facilitates electronic funds transfers throughout the world, most commonly through Visa-branded credit cards, debit cards and prepaid cards.[5] Visa is one of the world's most valuable companies.

    Visa does not issue cards, extend credit or set rates and fees for consumers; rather, Visa provides financial institutions with Visa-branded payment products that they then use to offer credit, debit, prepaid and cash access programs to their customers. In 2015, the Nilson Report, a publication that tracks the credit card industry, found that Visa's global network (known as VisaNet) processed 100 billion transactions during 2014 with a total volume of US$6.8 trillion.[6]

    It was launched in September 1958 by Bank of America (BofA) as the BankAmericard credit card program.[1] In response to competitor Master Charge (now Mastercard), BofA began to license the BankAmericard program to other financial institutions in 1966.[7] By 1970, BofA gave up direct control of the BankAmericard program, forming a consortium with the other various BankAmericard issuer banks to take over its management. It was then renamed Visa in 1976.[8]

    Nearly all Visa transactions worldwide are processed through the company's directly operated VisaNet at one of four secure data centers, located in Ashburn, Virginia; Highlands Ranch, Colorado; London, England; and Singapore.[9] These facilities are heavily secured against natural disasters, crime, and terrorism; can operate independently of each other and from external utilities if necessary; and can handle up to 30,000 simultaneous transactions and up to 100 billion computations every second.[10][6][11]

    Visa is the world's second-largest card payment organization (debit and credit cards combined), after being surpassed by China UnionPay in 2015, based on annual value of card payments transacted and number of issued cards. However, because UnionPay's size is based primarily on the size of its domestic market in China, Visa is still considered the dominant bankcard company in the rest of the world, where it commands a 50% market share of total card payments.

    History[edit]

    Old "Your BankAmericard Welcome Here" sign
    A 1976 ad promoting the change of name to "Visa". Note the early Visa card shown in the ad, as well as the image of the BankAmericard that it replaced.

    On September 18, 1958, Bank of America (BofA) officially launched its BankAmericard credit card program in Fresno, California.[1] In the weeks leading up to the launch of BankAmericard, BofA had saturated Fresno mailboxes with an initial mass mailing (or "drop", as they came to be called) of 65,000 unsolicited credit cards.[1][13] BankAmericard was the brainchild of BofA's in-house product development think tank, the Customer Services Research Group, and its leader, Joseph P. Williams. Williams convinced senior BofA executives in 1956 to let him pursue what became the world's first successful mass mailing of unsolicited credit cards (actual working cards, not mere applications) to a large population.[14]

    Williams' pioneering accomplishment was that he brought about the successful implementation of the all-purpose credit card (in the sense that his project was not canceled outright), not in coming up with the idea.[14] By the mid-1950s, the typical middle-class American already maintained revolving credit accounts with several different merchants, which was clearly inefficient and inconvenient due to the need to carry so many cards and pay so many separate bills each month.[15] The need for a unified financial instrument was already evident to the American financial services industry, but no one could figure out how to do it. There were already charge cards like Diners Club (which had to be paid in full at the end of each billing cycle), and "by the mid-1950s, there had been at least a dozen attempts to create an all-purpose credit card."[15] However, these prior attempts had been carried out bank of america dividend pay date small banks which lacked the resources to make them work.[15] Williams and his team studied these failures carefully and believed they could avoid replicating those banks' mistakes; they also studied existing revolving credit operations at Sears and Mobil Oil to learn why they were successful.[15] Fresno was selected for its population of 250,000 (big enough to make a credit card work, small enough to control initial startup cost), BofA's market share of that population (45%), and relative isolation, to control public relations damage in case the project failed.[16] According to Williams, Florsheim Shoes was the first major retail chain which agreed to accept BankAmericard at its stores.[17]

    Visa logo from July 1, 1992 to 2000

    Visa logo used from July 1, 1992 to 2000

    Visa logo from August 1998 to 2006

    Visa logo used from August 1998 to 2005

    Visa logo from late 2005 to May 2015

    Visa logo used from late 2005 to May 2015

    Visa logo from January 2014 to July 2021

    Visa logo used from January 2014 to July 2021

    Visa logo since July 2021

    Visa logo used since July 2021

    Visa acceptance logo used since early 2015

    Visa acceptance logo from early 2015 (used only in certain Asian, American and European markets)

    The 1958 test at first went smoothly, but then BofA panicked when it confirmed rumors that another bank was about to initiate its own drop in San Francisco, BofA's home market.[18] By March 1959, drops began in San Francisco and Sacramento; by June, BofA was dropping cards in Los Angeles; by October, the entire state of California had been saturated with over 2 million credit cards and BankAmericard was being accepted by 20,000 merchants.[18] However, the program was riddled with problems, as Williams (who had never worked in a bank's loan department) had been too earnest and trusting in his belief in the basic goodness of the bank's customers, and he resigned in December 1959. Twenty-two percent of accounts were delinquent, not the 4% expected, and police departments around the state were confronted by numerous incidents of the brand new crime of credit card fraud.[19] Both politicians and journalists joined the general uproar against Bank of America and its newfangled credit card, especially when it was pointed out that the cardholder agreement held customers liable for all charges, even those resulting from fraud.[20] BofA officially lost over $8.8 million on the launch of BankAmericard, but when the full cost of advertising and overhead was included, the bank's actual loss was probably around $20 million.[20]

    However, after Williams and some of his closest associates left, BofA management realized that BankAmericard was salvageable.[21] They conducted a "massive effort" to clean up after Williams, imposed proper financial controls, published an open letter to 3 million households across the state apologizing for the credit card fraud and other issues their card raised and eventually were able to make the new financial instrument work.[21] By May 1961, the BankAmericard program became profitable for the first time.[22] At the time, BofA deliberately kept this information secret and allowed then-widespread negative impressions to linger in order to ward off competition.[23] This strategy worked until 1966, when BankAmericard's profitability had become far too big to hide.[23]

    The original goal of BofA was to offer the BankAmericard product across California, but in 1966, BofA began to sign licensing agreements with a group of banks outside of California, in response to a new competitor, Master Charge (now MasterCard), which had been created by an alliance of several regional bankcard associations to compete against BankAmericard. BofA itself (like all other U.S. banks at the time) could not expand directly into other states due to federal restrictions not repealed until 1994. Over the following 11 years, various banks licensed the card system from Bank of America, thus forming a network of banks backing the BankAmericard system across the United States.[7] The "drops" of unsolicited credit cards continued unabated, thanks to BofA and its licensees and competitors until they were outlawed in 1970,[24] but not before over 100 million credit cards had been distributed into the American population.[25]

    During the late 1960s, BofA also licensed the BankAmericard program to banks in several other countries, which began issuing cards with localized brand names. For example:[citation needed]

    • In Canada, an alliance of banks (including Toronto-Dominion Bank, Canadian Imperial Bank of Commerce, Royal Bank of Canada, Banque Canadienne Nationale and Bank of Nova Scotia) issued credit cards under the Chargex name from 1968 to 1977.
    • In France, it was known as Carte Bleue (Blue Card). The logo still appears on many French-issued Visa cards today.
    • In Japan, The Sumitomo Bank issued BankAmericards through the Sumitomo Credit Service.
    • In the UK, the only BankAmericard issuer for some years was Barclaycard. The branding still exists today, but is used not only on Visa cards issued by Barclays, but on its MasterCard and American Express cards as well.[26]
    • In Spain until 1979 the only issuer was Banco de Bilbao.

    In 1968, a manager at the National Bank of Commerce (later Rainier Bancorp), Dee Hock, was asked to supervise that bank's launch of its own licensed version of BankAmericard in the Pacific Northwest market. Although Bank of America had cultivated the public image that BankAmericard's troubled startup issues were now safely in the past, Hock realized that the BankAmericard licensee program itself was in terrible disarray because it had developed and grown very rapidly in an ad hoc fashion. For example, "interchange" transaction issues between banks were becoming a very serious problem, which had not been seen before when Bank of America was the sole issuer of BankAmericards. Hock suggested to other licensees that they form a committee to investigate and analyze the various problems with the licensee program; they promptly made him the chair of that committee.[27]

    After lengthy negotiations, the committee led by Hock was able to persuade Bank of America that a bright future lay ahead for BankAmericard — outside Bank of America. In June 1970, Bank of America gave up control of the BankAmericard program. The various BankAmericard issuer banks took control of the program, creating National BankAmericard Inc. (NBI), an independent Delaware corporation which would be in charge of managing, promoting and developing the BankAmericard system within the United States. In other words, BankAmericard was transformed from a franchising system into a jointly controlled consortium or alliance, like its competitor Master Charge. Hock became NBI's first president and CEO.[28]

    However, Bank of America retained the right to directly license BankAmericard to banks outside the United States and continued to issue and support such licenses. By 1972, licenses had been granted in 15 countries. The international licensees soon encountered a variety of problems with their licensing programs, and piggy bank that counts money walmart hired Hock as a consultant to help them restructure their relationship with BofA as he had done for the domestic licensees. As a result, in 1974, the International Bankcard Company (IBANCO), a multinational member corporation, was founded in order to manage the international BankAmericard program.[29]

    In 1976, the directors of IBANCO determined that bringing the various international networks together into a single network with a single name internationally would be in the best interests of the corporation; however, in many countries, there was still great reluctance to issue a card associated with Bank of America, even though the association was entirely nominal in nature. For this reason, in 1976, BankAmericard, Barclaycard, Carte Bleue, Chargex, Sumitomo Card, and all other licensees united under the new name, "Visa", which retained the distinctive blue, white and gold flag. NBI became Visa USA and IBANCO became Visa International.[8]

    The term Visa was conceived by the company's founder, Dee Hock. He believed that the word was instantly recognizable in many languages in many countries and that it also denoted universal acceptance.[30] In October 2007, Bank of America announced it was resurrecting the BankAmericard brand name as the "BankAmericard Rewards Visa".[31]

    Corporate structure[edit]

    Prior to October 3, 2007, Visa comprised four non-stock, piggy bank that counts money walmart incorporated companies that employed 6,000 people worldwide: the worldwide parent entity Visa International Service Association (Visa), Visa USA Inc., Visa Canada Association, and Visa Europe Ltd. The latter three separately incorporated regions had the status of group members of Visa International Service Association.[citation needed]

    The unincorporated regions Visa Latin America (LAC), Visa Asia Pacific and Visa Central and Eastern Europe, Middle East and Africa (CEMEA) were divisions within Visa.[citation needed]

    Billing and finance charge methods[edit]

    Initially, signed copies of sales drafts were included in each customer's monthly billing statement for verification purposes—an industry practice known as "country club billing"[citation needed]. By the late 1970s, however, billing statements no longer contained these enclosures, but rather a summary statement showing posting date, purchase date, reference number, merchant name, and the dollar amount of each purchase.[citation needed] At the same time, many issuers, particularly Bank of America, were in the process of changing their methods of finance charge calculation. Initially, a "previous balance" method was used—calculation of finance charge on the unpaid balance shown on the prior month's statement. Later, it was decided to use "average daily balance" which resulted in increased revenue for the issuers by calculating the number of days each purchase was included on the prior month's statement. Several years later, "new average daily balance"—in which transactions from previous and current billing cycles were used in the calculation—was introduced. By the early 1980s, many issuers introduced the concept of the annual fee as yet another revenue enhancer.[citation needed]

    IPO and restructuring[edit]

    On October 11, 2006, Visa announced that some of its businesses would be merged and become a publicly traded company, Visa Inc.[32][33][34] Under the IPO restructuring, Visa Canada, Visa International, and Visa USA were merged into the new public company. Visa's Western Europe operation became a separate company, owned by its member banks who will also have a minority stake in Visa Inc.[35] In total, more than 35 investment banks participated in the deal in several capacities, most notably as underwriters.

    On October 3, 2007, Visa completed its corporate restructuring with the formation of Visa Inc. The new company was the first step towards Visa's IPO.[36] The second step came on November 9, 2007, when the new Visa Inc. submitted its $10 billion IPO filing with the U.S. Securities and Exchange Commission (SEC).[37] On February 25, 2008, Visa announced it would go ahead with an IPO of half its shares.[38] The IPO took place on March 18, 2008. Visa sold 406 million shares at US$44 per share ($2 above the high end of the expected union state bank horton ks pricing range), raising US$17.9 billion in what was then the largest initial public offering in U.S. history.[39] On March 20, 2008, the IPO underwriters (including JP Morgan, Goldman Sachs & Co., Banc of America Securities LLC, Citi, HSBC, Merrill Lynch & Co., UBS Investment Bank and Wachovia Securities) exercised their overallotment option, purchasing an additional 40.6 million shares, bringing Visa's total IPO share count to 446.6 million, and bringing the total proceeds to US$19.1 billion.[40] Visa now trades under the ticker symbol "V" on the New York Stock Exchange.[41]

    Visa Europe[edit]

    Visa Europe Ltd. was a membership association and cooperative of over 3,700 European banks and other payment service providers[42] that operated Visa branded products and services within Europe. Visa Europe was a company entirely separate from Visa Inc. having gained independence of Visa International Service Association in October 2007 when Visa Inc. became a publicly traded company on the New York Stock Exchange.[43] Visa Inc. announced the plan to acquire Visa Europe on November 5, 2015, creating a single global company.[44] On April 21, 2016, the agreement was amended in response to the feedback of European Commission.[45] The acquisition of Visa Europe was completed on June 21, 2016.[46]

    Acquisition of Plaid[edit]

    On January 13, 2020, Plaid announced that it had signed a definitive agreement to be acquired by Visa for $5.3 billion.[47][48] The deal was double the company's most recent Series C round valuation of $2.65 billion,[49] and was expected to close in the next 3–6 months, subject to regulatory review and closing conditions. According to the deal, Visa would pay $4.9 billion in cash and approximately $400 million of retention equity and deferred equity,[50][51] according to a presentation deck prepared by Visa.[52]

    On November 5, 2020, the United States Department of Justice filed a lawsuit seeking to block the acquisition, arguing that Visa is a monopolist trying to eliminate a competitive threat by purchasing Plaid. Visa said it disagrees with the lawsuit and "intends to defend the transaction vigorously."[53][54]

    Digital Currencies[edit]

    On February 3, 2021, Visa announced a partnership with First Boulevard, a neobank focused on building generational wealth for the Black community. First Boulevard will be first to pilot Visa's new suite of cryptocurrency APIs, which will enable their customers to buy, sell, hold, and trade digital assets held by Anchorage, a federally chartered digital asset bank. The pilot will serve as a key first step in supporting API capabilities that help additional Visa clients access and integrate cryptocurrencies.[55][56]

    On March 29, 2021, Visa announced the acceptance of stable coin USDC to settle transactions on its network.[57]

    Visa Foundation[edit]

    Registered in the United States as a 501(c)(3) entity, the Visa Foundation was created with the mission of supporting inclusive economies. In particular, economies in which individuals, businesses and communities can thrive with the support of grants and investments. Supporting resiliency, as well as the growth, of micro and small businesses that benefit women is a priority of the Visa Foundation. Furthermore, the Foundation prioritizes providing support to the community from a broad standpoint, as well as responding to disasters during crisis.[58]

    Other Initiatives[edit]

    In December 2020, Visa Announced the launch of a new accelerator program across Asia Pacific to further develop the region's financial technology ecosystem.[59] The accelerator program aims to find and partner with startup companies providing financial and payments technologies that could potentially leverage on Visa's network of bank and merchant partners in the region.[60]

    Finance[edit]

    For the fiscal year 2018, Visa reported earnings of US$10.3 billion, with an annual revenue of US$20.61 billion, an increase of 12.3% over the previous fiscal cycle. Visa's shares traded at over $143 per share, and its market capitalization was valued at over US$280.2 billion in September 2018. As of 2018, the company ranked 161st on the Fortune 500 list of the largest United States corporations by revenue.[61]

    Year Revenue
    in mil. USD$
    Net income
    in mil. USD$
    Employees
    2005[62]2,665 360
    2006[62]2,948 455
    2007[62]3,590 −1,076 5,479
    2008[62]6,263 804 5,765
    2009[63]6,911 2,353 5,700
    2010[64]8,065 2,966 6,800
    2011[65]9,188 3,650 7,500
    2012[66]10,421 2,144 8,500
    2013[67]11,778 4,980 9,600
    2014[68]12,702 5,438 9,500
    2015[69]13,880 6,328 11,300
    2016[70]15,082 5,991 11,300
    2017[71]18,358 6,699 12,400
    2018[72]20,609 10,301 15,000
    2019[73]22,977 12,080 19,500
    2020[73]21,846 10,866 20,500

    Criticism and controversy[edit]

    WikiLeaks[edit]

    Visa Europe began suspending payments to WikiLeaks on December 7, 2010.[74] The company said it was awaiting an investigation into 'the nature of its business and whether it contravenes Visa operating rules' – though it did not go into details.[75] In return DataCell, the IT company that enables WikiLeaks to accept credit and debit card donations, announced that it would take legal action against Visa Europe.[76] On December 8, the group Anonymous performed a DDoS attack on visa.com,[77] bringing the site down.[78] Although the Norway-based financial services company Teller AS, which Visa ordered to look into WikiLeaks and its fundraising body, the Sunshine Press, found no proof of any wrongdoing, Salon reported in January 2011 that Visa Europe "would continue blocking donations to the secret-spilling site until it completes its own investigation".[75]

    The United NationsHigh Commissioner for Human RightsNavi Pillay stated that Visa may be "violating WikiLeaks' right to freedom of expression" by withdrawing their services.[79]

    In July 2012, the Reykjavík District Court decided that Valitor (the Icelandic partner of Visa and MasterCard) was violating the law when it prevented donations to the site by credit card. It was ruled that the donations be allowed to return to the site within 14 days or they would be fined in the amount of US$6,000 per day.[80]

    Litigation and regulatory actions[edit]

    Anti-competitive conduct in Australia[edit]

    In 2015, the Australian Federal Court ordered Visa to pay a pecuniary penalty of $20 million (including legal fees) for engaging in anti-competitive conduct against dynamic currency conversion operators, in proceedings brought by the Australian Competition and Consumer Commission.[81]

    Antitrust lawsuit by ATM operators[edit]

    In 2011, MasterCard and Visa were sued in a class action by ATM operators claiming the credit card networks' rules effectively fix ATM access fees.[82] The suit claimed that this is a restraint on trade in violation of US federal law. The lawsuit was filed by the National ATM Council and independent operators of automated teller machines. More specifically, it is alleged that MasterCard's and Visa's network rules prohibit ATM operators from offering lower prices for transactions over PIN-debit networks that are not affiliated with Visa or MasterCard. The suit says that this price-fixing artificially raises the price that consumers pay using ATMs, limits the revenue that ATM-operators earn, and violates the Sherman Act's prohibition against unreasonable restraints of trade.

    Johnathan Rubin, an attorney for the plaintiffs said, "Visa and MasterCard are the ringleaders, organizers, and enforcers of a conspiracy among U.S. banks to fix the price of ATM access fees in order to keep the competition at bay."[83]

    In 2017, a US district court denied the ATM operators' request to stop Visa from enforcing the ATM fees.[84]

    Debit card swipe fees[edit]

    Visa settled a 1996 antitrust lawsuit brought by a class of U.S. merchants, including Walmart, for billions of dollars in 2003. Over 4 million class members were represented by the plaintiffs. According to a website associated with the suit,[85] Visa and MasterCard settled the plaintiffs' claims for a total of $3.05 billion. Visa's share of this settlement is reported to have been the larger.

    U.S. Justice Department actions[edit]

    In 1998, the Department of Td bank loan application sued Visa over rules prohibiting its issuing banks from doing business with American Express and Discover. The Department of Justice won its case at trial in 2001 and the verdict was upheld on appeal. American Express and Discover filed suit as well.[86]

    In October 2010, Visa and MasterCard reached a settlement with the U.S. Justice Department in another antitrust case. The companies agreed to allow merchants displaying their logos to decline certain types of cards (because interchange fees differ), or to offer consumers discounts for using cheaper cards.[87]

    Antitrust issues in Europe[edit]

    In 2002, the European Commission exempted Visa's multilateral interchange fees from Article 81 of the Piggy bank that counts money walmart Treaty that prohibits anti-competitive arrangements.[88] However, this exemption expired on December 31, 2007. In the United Kingdom, Mastercard has reduced its interchange fees while it is under investigation by the Office of Fair Trading.

    In January 2007, the European Commission issued the results of a two-year inquiry into the retail banking sector. The report focuses on payment cards and interchange fees. Upon publishing the report, Commissioner Neelie Kroes said the "present level of interchange fees in many of the schemes we have examined does not seem justified." The report called for further study of the issue.[89]

    On March 26, 2008, the European Commission opened an investigation into Visa's multilateral interchange fees for cross-border transactions within the EEA as well as into the "Honor All Cards" rule (under which merchants are required to accept all valid Visa-branded cards).[90][needs update]

    The antitrust authorities of EU member states (other than the United Kingdom) also investigated Mastercard's and Visa's interchange fees. For example, on January 4, 2007, the Polish Office of Competition and Consumer Protection fined twenty banks a total of PLN 164 million (about $56 million) for jointly setting Mastercard's and Visa's interchange fees.[91][92]

    In December 2010, Visa reached a settlement with the European Union in yet another antitrust case, promising to reduce debit card payments to 0.2 percent of a purchase.[93] A senior official from the European Central Bank called for a break-up of the Visa/Mastercard duopoly by creation of a new European debit card for use in the Single Euro Payments Area (SEPA).[94] After Visa's blocking of payments to WikiLeaks, members of the European Parliament expressed concern that payments from European citizens to a European corporation could apparently be blocked by the US, and called for a further reduction in the dominance of Visa and Mastercard in the European payment system.[95]

    Payment Card Interchange Fee and Merchant Discount Piggy bank that counts money walmart Litigation[edit]

    Main article: Payment Card Interchange Fee and Merchant Discount Antitrust Litigation

    On November 27, 2012, a federal judge entered an order granting preliminary approval to a proposed settlement to a class-action lawsuit[96] filed in 2005 by merchants and trade associations against Mastercard and Visa. The suit was filed due to alleged price-fixing practices employed by Mastercard and Visa. About one-quarter of the named class plaintiffs have decided to opt "out of the settlement". Opponents object to provisions that would bar future lawsuits and even prevent merchants from opting out of significant portions of the proposed settlement.[97]

    Plaintiffs allege that Visa and Mastercard fixed interchange fees, also known as swipe fees, that are charged to merchants for the privilege of accepting payment cards. In their complaint, the plaintiffs also alleged that the defendants unfairly interfere with merchants from encouraging customers to use less expensive forms of payment such as lower-cost cards, cash, and checks.[97]

    A settlement of US$6.24 billion has been reached and a court is scheduled to approve or deny the agreement on November 7, 2019.[98]

    High swipe fees in Poland[edit]

    Very high interchange fee for Visa (1.5–1.6% from every transaction's final price, which also includes VAT) in Poland started discussion about legality and need for government regulations of interchange fees to avoid high costs for business (which also block electronic payment market and acceptability of cards).[99] This situation also led to the birth of new methods of payment in the year 2013, which avoid the need for go-between (middleman) companies like Visa or Mastercard, for example mobile application issued by major banks,[100] and system by big chain of discount shops,[101] or older public transport tickets piggy bank that counts money walmart systems.[102]

    Confrontation with Walmart over high fees[edit]

    In June 2016, the Wall Street Journal reported that Walmart threatened to stop accepting Visa cards in Canada. Visa objected saying that consumers should not be dragged into a dispute between the companies.[103] In January 2017, Walmart Canada and Visa reached a deal to allow the continued acceptance of Visa.[104]

    Dispute with Kroger over high credit card fees[edit]

    In March 2019, U.S. retailer Kroger announced that its 250-strong Smith's chain would stop accepting Visa credit cards as of April 3, 2019, due to the cards’ high ‘swipe’ fees. Kroger's California-based Foods Co stores stopped accepting Visa cards in August 2018. Mike Schlotman, Kroger's executive vice president/chief financial officer, said Visa had been “misusing its position and charging retailers excessive fees for a long time.” In response, Visa issued a statement saying it was “unfair and green dot moneypak activation codes that Kroger is putting shoppers in the middle of a business dispute.”[105] As of October 31, 2019, Kroger has settled their dispute with Visa and is now accepting the payment method.[106]

    Antitrust investigation over debit card practices[edit]

    In March 2021, the United States Justice Department announced its investigation with Visa to piggy bank that counts money walmart if the company is engaging in anticompetitive practices in the debit card market. The main question at hand is whether or not Visa is limiting merchants' ability to route debit card transactions over card networks that are often less expensive, focusing more so on online debit card transactions. The probe highlights the role of network fees, which are invisible to consumers and place pressure on merchants, who mitigate the fees by raising prices of goods for customers. The probe was confirmed through a regulatory filing on March 19, 2021, stating they will be cooperating with the Justice Department. Visa's shares fell more than 6% following the announcement.[107][108][109][110]

    Corporate affairs[edit]

    Headquarters[edit]

    In 2009, Visa moved its corporate headquarters back to San Francisco when it leased the top three floors of the 595 Market Street office building, although most of its employees remained at its Foster City campus.[111] In 2012, Visa decided to consolidate its headquarters in Foster City where 3,100 of its 7,700 global workers are employed.[2] Visa owns four buildings does us bank offer zelle the intersection of Metro Center Boulevard and Vintage Park Drive.

    As of October 1, 2012, Visa's headquarters are located in Foster City, California.[2] Visa had been headquartered in San Francisco until 1985, when it moved to San Mateo.[112] Around 1993, Visa began consolidating various scattered offices in San Mateo to a location in Foster City.[112] Visa became Does cash app card affect credit score Piggy bank that counts money walmart largest employer.

    In December 2012, Visa Inc. confirmed that it will build a global information technology center off of the One medical passport facility login 183 Expressway in northwest Austin, Texas.[113] By 2019, Visa leased space in 4 buildings near Austin and employed nearly 2,000 people.[114]

    On November 6, 2019, Visa announced plans to move its headquarters back to San Francisco by 2024 upon completion of a new "13-story, 300,000-square-foot building".[115]

    Operations[edit]

    Visa offers through its issuing members the following types of cards:

    • Debit cards (pay from a checking/savings account)
    • Credit cards (pay monthly payments with or without interest depending on a customer paying on time)
    • Prepaid cards (pay from a cash account that has no check writing privileges)

    Visa operates the Plusautomated teller machine network and the InterlinkEFTPOSpoint-of-sale network, which facilitate the "debit" protocol used with debit cards and prepaid cards. They also provide commercial payment solutions for small businesses, midsize and large corporations, and governments.[116]

    Visa teamed with Apple in September 2014, to incorporate a new mobile wallet feature into Apple's new iPhone models, enabling users to more readily use their Visa, and other credit/debit cards.[117]

    Operating regulations[edit]

    Visa has a set of rules that govern the participation of financial institutions in its payment system. Acquiring banks are responsible for ensuring that their merchants comply with the rules.

    Rules address how a cardholder must be identified for security, how transactions may be denied by the bank, and how banks may cooperate for fraud prevention, and how to keep that identification and fraud protection standard and non-discriminatory. Other rules govern what creates an enforceable proof of authorization by the cardholder.[118]

    The rules prohibit merchants from imposing a minimum or maximum purchase amount in order to accept a Visa card and from charging cardholders a fee for using a Visa card.[118] In ten U.S. states, surcharges for the use of a credit card are forbidden by law (California, Colorado, Connecticut, Florida, Kansas, Maine, Massachusetts, New York, Oklahoma and Texas) but a discount for cash is permitted under specific rules.[119] Some countries have banned the no-surcharge rule, most notably in Australia[120] retailers may apply surcharges to any credit-card transaction, Visa or otherwise. In the UK the law was changed in January 2018 to prevent retailers from adding a surcharge to a transaction as per 'The Consumer Rights (Payment Surcharges) Regulations 2012'.

    Visa permits merchants to ask for photo ID, although the merchant rule book states that this practice is discouraged. As long as the Visa card is signed, a merchant may not deny a transaction because a cardholder refuses to show a photo ID.[118]

    The Dodd–Frank Act allows U.S. merchants to set a minimum purchase amount on credit card transactions, not to exceed $10.[121][122]

    Recent complications include the addition of exceptions for non-signed purchases by telephone or on the Internet and an additional security system called "Verified by Visa" for purchases on the Internet.

    In September 2014, Visa Inc, launched a new service to replace account merchants bank bangor online banking on plastic cards with "token" – a digital account number.[123]

    Visa Contactless (formerly payWave)[edit]

    EMVCoContactlessIndicator.svg

    In September 2007, Visa introduced Visa payWave, a contactless payment technology feature that allows cardholders to wave their card in front of contactless payment terminals without the need to physically swipe or insert the card into a point-of-sale device.[124] Discover savings account routing number is similar to the Mastercard Contactless service and the Piggy bank that counts money walmart ExpressExpressPay, with both using RFID technology. All three use the same symbol as shown on the right.

    In Europe, Visa has introduced the V Pay card, which is a chip-only and PIN-only debit card.[125] In Australia, take up has been the highest in the world, with more than 50% of in store Visa transactions now made via Visa payWave.[126]

    mVisa[edit]

    mVisa is a mobile payment app allowing payment via smartphones using QR code. This QR code payment method was first introduced in India in 2015. It was later expanded to a number of other countries, including in Africa and South East Asia.[127][128]

    Visa Checkout[edit]

    In 2013, Visa launched Visa Checkout, an online payment system that removes the need to share card details with retailers. The Visa Checkout service allows users to enter all their personal details and card information, then use a single username and password to make purchases from online retailers. The service works with Visa credit, debit, and prepaid cards. On November 27, 2013, V.me went live in the UK, France, Spain and Poland, with Nationwide Building Society being the first financial institution in Britain to support it,[129] although Nationwide subsequently withdrew this service in 2016.

    Trademark and design[edit]

    Logo design[edit]

    The blue and gold in Visa's logo were chosen to represent the blue sky and gold-colored hills of California, where the Bank of America was founded.

    In 2005, Visa changed its logo, removing the horizontal stripes in favor of a simple white background with the name Visa in blue with an orange flick on the 'V'.[130] The orange flick was removed in favor of the logo being a solid blue gradient in 2014. In 2015, the gold and blue stripes were restored as card branding on Visa Debit and Visa Electron, although not as the company's logotype.[131]

    Card design[edit]

    The Dove hologram

    In 1984, most Visa cards around the world began to feature a hologram of a dove on its face, generally under the last four digits of the Visa number. This was implemented as a security feature – true holograms would appear three-dimensional and the image would change as the card was turned. At the same time, the Visa logo, which had previously covered the whole card face, was reduced in size to a strip on the card's right incorporating the hologram. This allowed issuing banks to customize the appearance of the card. Similar changes were implemented with MasterCard cards. Today, cards may be co-branded with various merchants, airlines, etc., and marketed as "reward cards".

    On older Visa cards, holding the face of the card under an ultraviolet light will reveal the dove picture, dubbed the Ultra-Sensitive Dove,[132] as an additional security test. (On newer Visa cards, the UV dove is replaced by a small V over the Visa logo.)

    Beginning in 2005, the Visa standard was changed to allow for the hologram to be placed on the back of the card, or to be replaced with a holographic magnetic stripe ("HoloMag").[133] The HoloMag card was shown to occasionally cause interference with card readers, so Visa eventually withdrew designs of HoloMag cards and reverted to traditional magnetic strips.[134]

    Signatures[edit]

    Visa made a statement on January 12, 2018, that the signature requirement would become optional for all EMV contact or contactless chip-enabled merchants in North America starting in April 2018. It was noted that the signatures are no longer necessary to fight fraud and the fraud capabilities have advanced allowing this elimination leading to a faster in-store purchase experience.[135] Visa was the last of the major credit card issuers to relax the signature requirements. The first to eliminate the signature was MasterCard Inc. followed by Discover Financial Services and American Express Co.[136]

    [edit]

    Olympics and Paralympics[edit]

    • Visa has been a worldwide sponsor of the Olympic Games since 1986 and the International Paralympic Committee since 2002. Visa is the only card accepted at all Olympic and Paralympic venues. Its current contract with the Piggy bank that counts money walmart Olympic Committee and International Paralympic Committee as the exclusive services sponsor will continue through 2032 and 2020 respectively.[137][138] This includes the Singapore 2010 Youth Olympic Games, London 2012 Olympic Games, the Sochi 2014 Olympic Winter All target locations near me, the Rio de Janeiro 2016 Olympic Games, the 2018 PyeongChang Olympic Winter Games, and the Tokyo 2020 Olympic Games.
    • In 2002, Visa became the first global sponsor of the IPC.[139] Visa extended its partnership with the International Paralympic Committee through 2020,[140] which includes the 2010 Vancouver Paralympic Winter Games, the 2012 London Paralympic Piggy bank that counts money walmart, 2014 Sochi Paralympic Games, 2018 Pyeongchang Paralympic Games and 2020 Tokyo Paralympic Games.

    Others[edit]

    See also[edit]

    References[edit]

    1. ^ abcdStearns, David L. (2011). Electronic Value Exchange: Origins of the Visa Electronic Payment System. London: Springer. p. 1. ISBN . Available through SpringerLink.
    2. ^ abcLeuty, Ron (September 13, 2012). "Visa moving headquarters from San Francisco to Foster City". San Francisco Business Times. Retrieved February 27, 2013.
    3. ^ abcdef"2020 Income Statement, Visa Inc"(PDF). Retrieved May 21, 2021.
    4. ^"Visa Inc. at a Glance"(PDF). Visa Inc. Archived from the original(PDF) on May 1, 2015. Retrieved April 25, 2015.
    5. ^VisaArchived September 30, 2009, at the Wayback Machine. Retrieved March 26, 2010.
    6. ^ abFisher, Daniel (May 25, 2015). "Visa Moves at the Speed of Money". Forbes. Retrieved May 1, 2016.
    7. ^ ab"History of Visa", Visa Latin America & Caribbean. Archived November 3, 2007, at the Wayback Machine
    8. ^ abThomes, Paul (2011). Technological Innovation in Retail Finance: International Historical Perspectives. New York: Routledge. p. 256. ISBN .
    9. ^"Map and List of VisaNet's Data Centers". Baxtel.
    10. ^"Inside Visa's Data Center piggy bank that counts money walmart

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