#but between. say. Chips Ahoy and an off-brand one the difference is pretty much on taste alone

[moonchild-in-blue]

You know, one thing that helps me with not over-indulging is getting the cheaper/crappier version. Bootleg treat, if you will.

I'm usually pretty good with pacing myself when it comes to snacks, EXCEPT if they are sweet. Literally any given snack - has chocolate? I'll be consuming. Which obviously is not great, cus too much sugar = very very bad. But I also can't *not* have it in the house, cus if that choice is taken from me, I'll most certainly over-indulge at the next opportunity.

What I find works for me, is to get the less tasty (often cheaper) version of stuff. Really craving some Nutella? Get the off-brand one. Chocolate chip cookies? Stay away from your favourites and buy the generic version.

9 out of 10 time they will still be delicious enough to satisfy the craving, but not enough to tempt me into binge snacking. That's the best way I found for me to keep things balanced (since I have the self-control of a famished beast). Forced discipline 💪

[bilbos]

Fine Print || Anthony Beauvillier

Word Count: 3.3k

requested: yes || no

author’s note: this was written as part of @makarcales​ secret gift exchange! I wrote this for @titobeauvilliers​ <3

~ ~ ~

It’s almost 11pm when you make it to the store to buy ingredients for some soup. Normally, you’re not up this late, but your roommate Sadie has only gotten progressively sicker as the night has gone on. Winter in New York is no joke and colds are like a disease in the city. Considering that it’s winter break at NYU, and therefore no classes, you decide that it’s fine that you probably won’t get any sleep tonight to help her out.

As you’re walking down one of the aisles to get some chicken broth, you see a guy about your age squinting at a can of tomato sauce. He places it back and then grabs another one and squints at that one as well.

“Do you…need help?” you ask hesitantly as you get closer to him.

“Um, maybe,” he answers, blushing. “I didn’t think to put in contacts before I left my apartment. And I didn’t have my glasses in my backpack like I thought I did.”

You laugh. “So, what are you looking for?”

“Just some tomato sauce without chunks. I’m in the mood for some pasta and no place is delivering any this late. At least, any that are worth eating.”

“Your sight must be bad because both of the ones you’re holding are both chunky and the pictures show that.”

He blushes even more and puts both cans back. You step around him and grab a couple cans of the non-chunky tomato sauce and hand them over to him. He smiles softly as he grabs them.

“Thank you so much,” he says.

“No problem. You need help finding noodles or anything else?”

“I have everything else at home, so this should be good. I really appreciate this.”

He walks off and you just shake your head. Now it’s time to grab the rest of the ingredients for the soup you’re making.

~ ~ ~

When you get back to your apartment, you tell Sadie about what had happened. She just laughs before going on another coughing spree. It sucks seeing her like this, but your mom’s chicken noodle soup always helps a little bit.

“Seriously, you didn’t have to do this,” Sadie whispers hoarsely.

“You’re my best friend, of course I’m going to do this,” you reply. “It’s honestly the least that I could do, you know? Besides, it’s not like I could have slept anyways.”

“And this is why I love you,” she replies. “I don’t deserve you.”

“Of course you do. We deserve each other after everything we’ve been through.”

She just smiles sadly, looking off into the distance. The two of you hardly talk about your life before coming to NYU, and for good reason. Living with your best friend is honestly the best decision you could have made and you can’t come to regret moving so far from home.

Making the rest of the soup passes in silence. You’re not sure what Sadie is thinking about, but it’s hard not to think about life before this. It wasn’t easy being raised the way the two of you were, but even though it sucked, your glad it landed the two of you in such a great place now.

Once you finish making the soup, it’s just past 1am. You dish the two of you up a large bowl of soup and put the rest in a large Tupperware. Sadie takes her bowl to the couch, turning on the TV and trying to find something on Netflix.

“Might as well make it an all-nighter,” she says. “I don’t see myself sleeping any time soon and it’s not like we have class tomorrow anyways.”

“That’s true,” you say. “I’m just going to apologize if I fall asleep now, though.”

“I’ll appreciate your company nonetheless, though.”

She finds a cheesy romantic comedy to turn on, and the two of you sit in silence, watching it all unfold. Halfway through the movie, Sadie grabs your bowl to set it down in the sink. When she sits back down, she turns towards you.

“What if your life turns into a rom-com with the guy you met at the store today?” she asks, seriously.

“That would be absolutely ridiculous, Sadie,” you answer. “It was a one-time thing and New York is such a big city. The chances of me running into him again are very slim.”

“But that would make it extra cute.”

“And I seriously doubt that it’ll happen.”

“Just let me have some fun with it, okay? I mean, he was super cute and he was blushy around you.”

“Yeah, because he was embarrassed, not because of anything else.”

“You keep telling yourself that,” she replies. “And yeah, I know you probably won’t see him again, but it wouldn’t hurt to just imagine it for a bit.”

“I could go in so many different directions with that,” you joke.

Sadie just rolls her eyes as she turns back to the movie.

~ ~ ~

It’s a week later and near the end of your winter break when you’re back at the store again. Now it’s well past midnight and you’re trying to find some junk food. You and Sadie were pulling another all-nighter to binge watch some movies that the two of you had been wanting to watch when you ran out of snacks. Sadie insisted that you had to be the one to go pick it up in case you ran into the tomato guy again.

As your walking down one of the isles in pursuit of some ice cream, you see him again, staring at a pack of cookies. He sets one pack down only to pick up another to stare at the ingredient list. Unsure if he could actually read the ingredients or not, you decide to go over and ask.

“Did you remember to wear your contacts this time?” you ask.

His head snaps over to you and squints. “I can’t believe you have to see me like this again.”

“Seems to be fate. And I’ll take that as a no.”

He sighs. “I just got back from a trip and I wanted some cookies, but I don’t want anything with too much sugar in it.”

“You do realize that you’re buying brand-name cookies, right? I don’t think there’s a low-sugar option available.”

“Please let me just live in denial.”

You laugh. “I guess so. Do you want help or are you just going to take a shot in the dark?”

“I guess I could use some help. I’m just debating between these three.”

He holds out packages of Oreos, Chips Ahoy, and the store brand. You figure the Oreos are a safe bet and hold them over to him.

“Thank you so much,” he says. “I’m Anthony, by the way. If we keep meeting like this, I figure you should at least know my name.”

“I’m y/n,” you reply. “Do you go to school here or something?”

“I actually work here.”

“Oh, that’s cool. It’s killer trying to find a job here, so good on you for finding one. I’m not sure if I’ll find something that can pay the bills by the time I graduate.”

“Yeah, I got super lucky. But, um, I should probably go. It’s getting pretty late.”

“Oh, yeah, I should start getting the rest of what I came here for. Sadie is waiting for me.”

He waves goodbye as he walks off.

~ ~ ~

Sadie smiles smugly when you tell her about what had happened at the store.

“It’s honestly fate,” she says. “I mean, running into him again? And you got his name!”

“I’ll wait until I see him again. Third times a charm, right?”

“I still can’t believe you saw him again though! I was hoping you would, but I didn’t actually believe it.”

“Yeah, I guess it is weird. But I’m not going to chalk it up to anything besides we both like to go to the store late at night,” you reply. “Besides, I’m not sure how much I’d even have the chance to see him once school starts up again. I’d like to keep a normal sleep schedule.”

“But that’s no fun!”

“It’s no fun, but it’ll help reduce my suffering. And I’m graduating soon, too, I’d like to not be dead before then.”

“Ugh, I thought I told you to not talk about graduating. I don’t want to face the real world yet.”

“That’s what grad school is for.”

“Okay, true, but I also don’t want to be in debt even more.”

You snort. “Well, you should make up your mind. It’s a little late now to apply, but I don’t see why you can’t go next year.”

“Only if you get into the same program. I refuse to struggle through school without my best friend there.”

“That’s the dream, huh?”

“My other dream happens to be us working together and staying here in NYC.”

“That’s a good dream.”

~ ~ ~

A month later and you’re suffering through schoolwork. You knew that your senior year was going to be tough, but the amount of work never stops surprising you. Sadie is in the same boat and the two of you decide to make some progress at a local café the both of you love. The two of you are sitting close together and she keeps playfully hitting you every time you try to get her to focus.

“I’m just trying to get us to finish this faster so that I can go to bed at a reasonable time tonight. I feel like I’m a zombie.”

“If you’re a zombie, you’re the hottest one around,” Sadie says, a bit loudly.

At that exact moment, Anthony comes walking by your table and looks over, confused. When he sees you, he smiles brightly, excited to see you. You smile back and immediately realizing that he’s wearing glasses and this only makes him more attractive.

“Oh, hey, y/n,” he greets. “Is this Sadie?”

“Yep, I’m Sadie,” she replies. “Best thing that’s ever happened to her.”

“Oh my god, don’t listen to her. We’ve been attached at the hip for the last couple of years, but it’s more because she inserted herself into my life,” you explain.

“That’s nice,” he says, smile dimming a bit. “Are you doing school work?”

“Yeah, just trying to finish up, but Sadie is being distracting.”

She smiles widely. “So, are you Anthony? Y/n told me about you.”

“Oh god, I can’t believe you told people about that,” he groans.

You shrug. “I tell Sadie everything.”

“Well, I’ll keep that in mind if I ever see you at the store again,” he replies. “I should be going, though, I’m meeting up with a couple of friends soon and I just wanted some coffee before heading over. I’ll see you soon?”

“Oh, sure,” you say.

When Anthony gets in line, Sadie shoves you. “Oh my god, you didn’t tell me how hot he was. Now you have to get his number.”

“I don’t know. I know I said I would, but it feels kind of weird asking someone you barely know for their number.”

“Okay, but you get to know him better by asking for his number.”

“Just leave it, okay? I’d really rather not deal with this right now.”

Sadie sighs and goes back to working on her paper. She knows better than to push you too much, knowing that if you really wanted to, you would have had no issue asking for Anthony’s number. When he finally gets his coffee, he waves at you and Sadie.

~ ~ ~

“God, Mat, she has a girlfriend,” Anthony groans. “And they look so cute together.”

“Did they say that they were dating?” Mat asks.

“Well, no, but it sure did seem like it. And y/n said that they’ve been attached at the hip. Doesn’t that mean that they’re basically dating?”

“Or it could mean that they’re really good friends.”

“Okay, but you didn’t see how they were acting together. I really thought that I was going to have a chance with her.”

“Dude, I l know that this sucks, but you’ll be able to move on. Or just be her friend. Just because you can’t date her doesn’t mean the two of you can’t still be good friends.”

Anthony just sighs and leans back into the couch. He can’t deny that it’ll be hard for him to just be friends with you, but he also wants to just know you more. Mat just looks on sympathetically.

“Maybe when I see her again, I can give her and Sadie tickets to one of our games or something.”

“That wouldn’t be a bad idea. I’d like to meet them.”

~ ~ ~

The next time you see Anthony is at the store (again) in the vegetable aisle. He’s acting a little odd, but seems excited to see you again nonetheless.

“Fancy seeing you here,” you greet. “I have to say, it’s weird seeing you here at a normal time.”

“Ah, yeah, it is,” Anthony replies, a bit awkwardly. “Um, I was wondering if you and Sadie might want to come to a game of mine.”

“A game?”

“Yeah, a hockey game. It’s what I play,” Anthony explains. “We have an evening game next Saturday.”

“Oh yeah, that would be a lot of fun! How much are tickets?”

“I’d actually be reserving them for you. No need to pay.”

“That would be amazing. Do you think you could reserve three? Sadie is having her boy over that weekend and I’d love to have him come with.”

“Yeah, I could do that.”

“What stadium are you guys playing at?” you ask.

“We’re at Barclays,” Anthony answers, visibly confused.

You’re not sure why he’s acting confused, but you just assume that he told you at some point and you had forgotten.

“Just text me the details and I’ll see you there?” you say.

“Yeah, yeah, sounds good. See you then, I guess.”

~ ~ ~

“Mat, I think Sadie has a kid.”

“Tito, what the fuck? Where the hell did you get that idea?” Mat asks, concerned.

“Y/n said that Sadie’s boy would be visiting that weekend. I assume that means kid,” Anthony explains, visibly distressed.

“Dude, did you ever think that she would just be using some fancy slang for boyfriend?”

“But that would mean that the two of them weren’t dating and I really don’t think that’s the case. This is just too much.”

“You’re still going to invite them to the game though?”

Anthony groans. “Yeah, unfortunately. I just…don’t want to back out. And I feel like seeing them will help me from feeling things about y/n.”

“That is…so sad, dude.”

“I know, I don’t need you pointing that out.”

“That’s what I’m here for,” Mat replies, teasingly. “But seriously, I think it’s all going to be fine.”

“God, I hope so.”

~ ~ ~

When you, Sadie, and James hop out of the Lyft at Barclays, you immediately notice how many people are there. The three of you exchange confused looks, not expecting this amount of people.

“Hey, y/n, I thought you said that they weren’t a big team,” James points out, staring at a large group of people wearing Islanders jerseys.

“I thought they weren’t a big team. He never talked about it, so I assumed it wasn’t a big deal. And the game is on a Saturday night, so that really didn’t help much,” you explain. “Plus, he never said who the team was, so I never figured to look into it.”

“So, uh, where are we picking up tickets again?” James asks. “Just the ticket station?”

“I think so?” you reply confused.

When the three of you get into line, you notice Sadie googling the Islanders and scrolling through the team roster. She finds Anthony’s picture and just hands over her phone.

“You’ve been talking to one of the team’s most popular players and you didn’t even know it!” Sadie exclaims.

“Nobody said sports were my strong suit,” you joke, while looking at his picture.

This whole thing felt surreal and you hand Sadie’s phone back in a daze. It feels weird because none of it is quite clicking in your head. When you get to the front of the line, you explain the situation and you get handed your tickets.

As the three of you make your way in, the three of you realize the seats you’re at are extremely good seats. In fact, the seats were right next to the glass. This only makes everything feel more overwhelming than it already is.

“Jesus, y/n, I can’t believe you didn’t know that he was a professional hockey player,” James says, astounded.

“Look, it’s not like work was a common topic for us. The first two times we met were in the middle of the night and I doubt either of us were very coherent,” you explain.

“Well, should make things fun now,” Sadie replies. “Oh, look, I think the game is starting!”

The whole game seems to pass in a blur and you don’t take a whole lot in. It’s overwhelming and a lot is passing through your head. Anthony doesn’t seem to be looking for you, which makes sense, but you still had some kind of hope that he would have been. After the game has ended, Anthony texts you asking you to wait for him.

“So, Anthony is asking us to meet him in the parking lot, but he’s apologizing for not having a car seat?” you say, confused.

“Why would we need a car seat? Is this some weird joke that you guys have that you didn’t tell me about?” Sadie asks.

“No, I would remember that. Maybe he didn’t mean to send that to me,” you say.

It takes almost forty-five minutes for Anthony to come out to the parking lot, and then he shoots Sadie and James a weird look. The two of them are just standing there, holding hands, so you aren’t sure what’s going on. He awkwardly waves at the three of you as he approaches.

“Uh, hey guys?” Anthony greets.

“Hey, Anthony! You already know Sadie, but this is her boyfriend, James,” you introduce.

Anthony shakes James’ hand in a daze. James raises an eyebrow at this, obviously sensing his confusion.

“So, um, this is going to sound really, really weird, but I thought James was your kid, Sadie. And I thought you were dating y/n,” Anthony explains.

“I mean, y/n didn’t realize you played in the NHL, so I think the two of you are almost even,” Sadie jokes.

“You didn’t know I played in the NHL?” Anthony inquires.

“It never came up, so I just assumed it was a small team or something” you reply, shrugging.

“You two are honestly so perfect for each other,” James remarks. “With how oblivious the two of you are, I think you’ll be perfectly happy.”

“James!” you exclaim.

Anthony blushes widely. “Um, I was going to invite you guys out for drinks or something, but…”

“I would love to go for drinks, but I also feel really overwhelmed right now?” you reply. “Maybe we could go for coffee tomorrow?”

“Yeah, I would like that,” Anthony says, with a small smile.

~ ~ ~

The two of you meet in the small coffee shop you saw each other in only a couple of weeks ago. You were pretty restless the night before, thinking about the amount of miscommunication both of you had. In all honesty, you were extremely surprised that he thought you were dating Sadie and that James was your kid. But you also felt blindsided by his profession, even when it would have been pretty easy to figure it out if you just googled him.

“So, uh, I feel kind of stupid,” Anthony says, once the two of you sit down with your coffees.

“God, I feel the same,” you reply. “I can’t believe neither of us knew.”

“Well, at least we’re here now,” he says. “And, um, I was wondering if this would count as a date?”

“I’d like that a lot.”

Anthony smiles brightly and grabs your hand that isn’t holding onto your coffee, which just makes you smile in return.

“So, is there anything else that I should know about you that could have completely gone over my head?” he asks.

[bobbynolanios88]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

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Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC

[adrianjenkins952wblr]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

1 Share

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Tweet

Share

Share

Share

Print

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Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC

[mccartneynathxzw83]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

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Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC

[teiraymondmccoy78]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

1 Share

Share

Tweet

Share

Share

Share

Print

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Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC

[vanessawestwcrtr5]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

1 Share

Share

Tweet

Share

Share

Share

Print

Email

Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC

[courtneyvbrooks87]

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

Venmo, Girl Scouts, Bitcoin: Unexpected Upsides

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Usually when we talk about unintended consequences here at PYMNTS, we are talking about something that has gone terribly wrong, or at least failed to perform as well as desired because of some unforeseen side effect. The goal might be noble – but pursuing a noble goal the wrong way can quickly have byproducts that make the cure worse than the disease.

Usually, an unforeseen consequence is a bad thing.

But not always.

From time to time, one comes along that is delightful.

For example, Karen Webster noted that attempts to rid the island of Borneo of malaria led to a series of terrible after-effects from messing with the local ecosystem by killing mosquitoes with DDT spray. That list included collapsing roofs, an explosion in the local rat population and a typhus outbreak.

But there was also at least one somewhat delightful outcome – and it turned out to be the solution to the cascading series of problems unleashed by the attempted malaria remedy. It was a solution that no one could have foreseen, summed up in two words:

Cat paratroopers.

And while there were no documented cases of skydiving felines in the payments and commerce news to our knowledge this week, there were a few almost equally delightful unexpected outcomes and bugs that turned out to be fabulous features.

Because, as it turns out, Venmo might just be able to help cure a broken heart (or make one worse), the big bitcoin price drop might have been a boon for cybersecurity, and Girl Scout cookies might just be the reason you see more healthy eating options advertised over the next few weeks.

Feeling confused about what connections there could possibly be? Don’t worry, it’s probably weirder than you think…

Living Well Is the Best Revenge (And Venmo Can Help You Prove It)

There are a lot of Venmo uses that devotees can rattle off if asked. Sending funds to friends, splitting up checks, paying rent, contributing to group gifts or spending in stores (particularly with their newly released line of cards) – over the last several years, Venmo has evolved from a simple P2P payments platform into a robust set of financial services tools for its users.

But Venmo, as it turns out, has an even more useful feature that, until now, has gone totally unadvertised: It can be used to make your ex miserable.

The magic that makes it happen is the social media part of the Venmo platform, which allows users to list a live feed of their transactions  in an easily digestible, scrollable, emoji-filled form. And what one sees, noted Elle Huerta, CEO and founder of popular breakup app Mend, says it is “usually just enough information out of context to drive themselves crazy with.”

“It’s one thing to think about your ex moving on, but it’s quite another to see that they had $34 of delicious sushi last night with a name you don’t recognize,” she said. “And that’s why Venmo transactions can make your heart stop: Each one is a tiny glimpse into a world where your ex is continuing to walk the earth and live their life without you. That hurts.”

It’s an experience one Women’s Health writer had directly, when an ex-boyfriend arrived at her door a year after their split demanding that she make her Venmo feed more private, as it was causing him agony. Particularly, she noted, because everything he saw was out of context.

“He could see Venmo transactions showing how much I was enjoying my life – whether it was going out to brunch, or paying someone back via little red-wine emojis for happy hour,” she continued. “He could see that I went to a concert with my sister, as I sent a Venmo for ‘Best Coast’ with music notes, that I paid a friend for drinks the night before, and that I bought someone named Joe a breakfast sandwich (which he brought up during the aforementioned Venmo outburst). But he couldn’t see that I wasn’t dating Joe – that I was actually eating with him and 10 other people after our Saturday group run, and bought him a sandwich because he forgot his credit card.”

The writer, incidentally, did not acquiesce to her ex’s request, though the whole incident did make her reconsider how much of her spending life she wanted to make public.

Psychologists recommend that people who have been through recent break-ups treat Venmo like any other social media platform and stop following their exes on them, as digital stalking remains a terrible way to get over someone.

Bitcoin’s Price Busts, So Hackers Change Tactics

The last few months have been tough for bitcoin enthusiasts, who have watched the cryptocurrency bleed value for over a year at this point. The past week has looked a bit stronger, and some think that bitcoin’s price might get back above $4,000 within the next week. But considering that its price at this time last year was just shy of $10,000, the bigger story surrounding the world’s best-known cryptocurrency has been one about loss.

Which has been rough sledding for bitcoin investors, traders and miners, but might have ended up as a blessing in disguise for everyday internet users who were somewhat less likely to find themselves pegged by a ransomware attack over the last year.

Ransomware attacks, when launched against individuals or institutions, see cyber criminals gain access and control of a user’s computer, which they essentially hold hostage until a ransom is paid out in cryptocurrency. Sometimes, if the data being held is particularly sensitive, they will threaten to release it unless they are paid.

The good news, according to Symantec, is that ransomware attacks are down 20 percent year-on-year. The reason? The attacks are difficult and time-consuming to set up – and not worth the payouts, with bitcoin trading at increasingly low price points.

But lest anyone get too excited at their newfound security, there are two things to keep in mind. The first is that cybercriminals simply moved onto greener pastures, revenue wise, and have now adopted a new form of hacking called formjacking, which harvests credit card data directly from retail sites. They also persist in “cryptojacking,” an easy and accessible hack that allows cybercriminals to capture other people’s computers and task them with mining cryptocurrency.

So the fall of bitcoin’s price did have an unexpected upside – but only for as long as it took hackers to find a suitable replacement.

Raising a White Flag Over Q1 Cookie Sales

The season of the cookie is upon us: specifically, the Girl Scout cookie.

Though there is no official date range for the sale of cookies – that decision is left to local troop councils – the unofficial season runs between January and March each year, as millions of Girl Scouts start hustling boxes in workplaces, in front of grocery stores and walking door-to-door in suburban neighborhoods across the country.

And the 1.8 million Girl Scouts who are hitting the streets with their treats are insanely good at selling them. One anonymous San Diego scout sold more than 300 boxes of Girl Scout cookies in less than six hours. Of course, she had the good sense to set up shop outside a marijuana dispensary and pretty much let the cookies sell themselves for a few hours.

We eagerly await that girl’s future as the CEO of Amazon after Jeff Bezos retires to live on the moon full time.

“The traditional way of selling Girl Scout cookies is trying to go door to door, or utilizing friends and family networks,” marketing executive Kyle Boze told MarketWatch. “This girl used creativity to find a new market that hasn’t been tapped [as much] yet.”

And while not everyone has that level of marketing genius, Girl Scout cookies are big business in the U.S. – worth about $800 million in sales. That is more than Oreo and Chips Ahoy plus Milano, in case one is wondering. Among the 10 top-selling cookie varieties in America, five of them are Girl Scout cookies. And, again, they are generally only sold once a year for six to eight weeks.

But for those six to eight weeks, the Girl Scouts have managed to achieve near-unilateral surrender from the rest of the industry. No one wants to take on the little girls in the green sashes.

“The annual Girl Scout cookie sale is a force of nature at the national level,” said John Frank, a Mintel food analyst. “Big companies like Kraft know it’s coming, and they’ve learned to live with it. It’s like a storm and there’s nothing they can do but wait for it to pass, because there is no upside to marketing against the Girl Scouts.”

So what do big brands do, if they can’t counter-sell?

Some adhere to: “If you can’t beat them, join them.” Keebler, a rival cookie brand, is the owner and operator of  Little Brownie Bakers, one of two licensed industrial bakeries that make Girl Scout Cookies.

Incidentally, Keebler also makes lookalike, taste-alike cookies under its own branding in the same factories where it makes the Girl Scout Cookies. The Keebler Grasshopper is made by the exact same people who make the Girl Scouts Thin Mint. You might think this would affect the sale of Girl Scout cookies, since you can literally buy the exact same cookie baked in the exact same place for half the price year-round.

It does not make the slightest difference. The similar cookies don’t have any effect on Girl Scout cookie sales, and the original cookies vastly outsell the identical copies.

“Girl Scout consumers love our cookies, but they purchase them because they are supporting girls,” noted Amanda Hamaker, manager of product sales for the Girl Scouts. “That’s not happening at the supermarket.”

Other large brands – Kraft, notably – just give up the cookie ground entirely during the early part of the calendar year, and instead focus on countering programs. That includes advertising more savory snacks – macaroni and cheese, particularly – and more public service-oriented ads reminding kids about the importance of healthy eating. (Because if kids aren’t eating their cookies anyway, they may as well remind parents that they really shouldn’t be eating so many cookies.)

It might not be the best reason, but they might make a valid point. But given their sales, it seems fair to assume that Girl Scout cookies likely won’t be where people will make their first big calorie cuts.

Still, it’s unexpected to see a seasonal jump in healthy food advertising in response to scouts selling cookies.

But it is one of the more pleasant unexpected surprises, of the sort more likely to make one chuckle than cringe with concern. And given that it is not normally the way things happen in payments and commerce – where things going unexpectedly awry can be the wrong kind of explosive more often than the right kind – it is always nice when the week or season coughs up a few that are more amusing that worrisome.

——————————–

Latest Insights: 

Our data and analytics team has developed a number of creative methodologies and frameworks that measure and benchmark the innovation that’s reshaping the payments and commerce ecosystem. Check out the February 2019 PYMNTS Digital Fraud Tracker Report

Original Source https://ift.tt/2SXvhYC