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online casino slot games real money PETER VAN ONSELEN: The rot at the core of Team Albo has been exposed by these shady last minute acts - including a startling admission about the misinformation billBy Funto Omojola, NerdWallet Mobile wallets that allow you to pay using your phone have been around for well more than a decade, and over those years they’ve grown in popularity, becoming a key part of consumers’ credit card usage. According to a “state of credit card report” for 2025 from credit bureau Experian, 53% of Americans in a survey say they use digital wallets more frequently than traditional payment methods. To further incentivize mobile wallet usage, some credit card issuers offer bonus rewards when you elect to pay that way. But those incentives can go beyond just higher reward rates. In fact, mobile wallets in some ways are becoming an essential part of activating and holding a credit card. For example, they can offer immediate access to your credit line, and they can be easier and safer than paying with a physical card. From a rewards perspective, it can make a lot of sense to reach for your phone now instead of your physical card. The Apple Card offers its highest reward rates when you use it through the Apple Pay mobile wallet. Same goes for the PayPal Cashback Mastercard® when you use it to make purchases via the PayPal digital wallet. The Kroger grocery store giant has a co-branded credit card that earns the most when you pay using an eligible digital wallet, and some major credit cards with quarterly rotating bonus categories have a history of incentivizing digital wallet use. But again, these days it’s not just about the rewards. Mobile wallets like Apple Pay, Samsung Pay and PayPal can offer immediate access to your credit line while you wait for your physical card to arrive after approval. Indeed, most major issuers including Bank of America®, Capital One and Chase now offer instant virtual credit card numbers for eligible cards that can be used upon approval by adding them to a digital wallet. Additionally, many co-branded credit cards — those offered in partnership with another brand — commonly offer instant card access and can be used immediately on in-brand purchases. Credit cards typically take seven to 10 days to arrive after approval, so instant access to your credit line can be particularly useful if you need to make an urgent or unexpected purchase. Plus, they allow you to start spending toward a card’s sign-up bonus right away. As issuers push toward mobile payments, a growing number of merchants and businesses are similarly adopting the payment method. The percentage of U.S. businesses that used digital wallets increased to 62% in 2023, compared to 47% the previous year, according to a 2023 survey commissioned by the Federal Reserve Financial Services. Related Articles Business | Event promoters, hotels and lodging sites soon will have to disclose extra fees up front Business | Should you donate your points and miles to charity? Business | 4 ways to hit your family savings goals in 2025 Business | The year in money: inflation eased, optimism ticked upward Business | 5 ways to tell if you’re on track for retirement — and 5 things to do if you need to catch up, according to experts Wider acceptance is potentially good news for the average American, who according to Experian has about four credit cards. While that won’t necessarily weigh down your wallet, it can be hard to manage multiple cards and rewards categories at once. Mobile wallets offer a more efficient way to store and organize all of your workhorse cards, while not having to carry around ones that you don’t use often. They can also help you more easily monitor your spending and rewards, and some even track your orders’ status and arrival time. Plus, paying with a digital wallet offers added security. That’s because it uses technology called tokenization when you pay, which masks your real credit card number and instead sends an encrypted “token” that’s unique to each payment. This is unlike swiping or dipping a physical card, during which your credit card number is more directly accessible. And again, because a mobile wallet doesn’t require you to have your physical cards present, there’s less chance of one falling out of your pocket or purse. More From NerdWallet Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article Activating Your Credit Card? Don’t Skip the Mobile Wallet Step originally appeared on NerdWallet .

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Shelia Poole | (TNS) The Atlanta Journal-Constitution ATLANTA — Holidays are a time for families and friends to gather, but for older people with Alzheimer’s disease and other dementias, it can cause so much stress and confusion that they could be in danger of what experts calls wandering. Related Articles Health | What’s behind rising autism rates: A broader definition of autism and better screening Health | Most US teens are abstaining from drinking, smoking and marijuana, survey says Health | An Alabama woman is doing well after the latest experimental pig kidney transplant Health | Walking in a rhythmic wonderland with holiday songs that could help save lives Health | Working Well: When holidays present rude customers, taking breaks and the high road preserve peace “I would say around the holiday time is the biggest challenge for people with dementia,” said Kim Franklin, senior manager of programs and services at the Georgia chapter of the Alzheimer’s Association. “Schedules are changing, people are traveling, families are coming together and friends are coming over. There’s a lot of chaos going on and that can cause a person to wander. They want to get away. It’s hard for them to process what’s happening.” The Alzheimer’s Association reports 72% of dementia patients who wander are found alive by the next day. Alerting 911 as soon as the person goes missing is critical. The odds of survival decrease as more time passes. Angel Alonso, president of Georgia Emergency Search and Recovery based in Gwinnett County, said the vast majority — between 60% and 70% — of the 30 to 40 calls the nonprofit received last year involved people with the disease. The GESAR is a volunteer-driven organization that works with law enforcement to find people who have gone missing, including children, people with Alzheimer’s and dementia, and people lost during major disasters. “We get so many Alzheimer’s calls,” said Vice President John Clark, who is also volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. For caregivers and loved ones, a relative who goes missing is devastating. Two of Clark’s grandparents had dementia, so he gravitated to search and rescue to help other families and caregivers keep their loved ones safe. He’s consulted with police departments across metro Atlanta on the best ways to find people with Alzheimer’s. Alzheimer’s disease and other dementias can cause people to lose their ability to recognize people and places that are familiar. According to the Alzheimer’s Association there are often warning signs that a person might wander. Six in 10 people with dementia will wander during the course of the disease. That includes people returning from a regular walk or drive later than usual. Or they may talk about fulfilling former obligations, such as going to work or talk about going home even when they’re at home. Sometimes they become restless and pace or make repetitive movements. Clark recounted one call for help when a family reported a missing relative, but they insisted she couldn’t have gone far because of a bad knee that limited her to walking no further than the mailbox. Searchers found the missing woman 7 miles from home. Even those who have never shown an interest in wandering might start without warning. Dan Goerke is fortunate. His late wife, Diane, who was diagnosed with Alzheimer’s in 2012, once went missing from the car of a caregiver. The caregiver had stopped for an errand. Diane had waited alone in cars as people ran errands before. But this time, when the caregiver returned, Diane was gone but her seat belt was still fastened. “It was like she disappeared into thin air,” said Goerke, who said he doesn’t blame the caregiver. Fortunately, she was found uninjured and nearby a short time later that same day. Goerke said it’s hard for caregivers to always be on guard for wandering. “We have so many things to juggle that’s not necessarily at the top of our minds. We have to manage medications, take them to doctor’s appointments, cook meals and taking care of things day to day,” he said. Clark said when searching for someone with dementia, one of the keys is to know what the person was like before their diagnosis. Often their long-term memories are still strong. They once found a woman who walked out of her home and went to where she used to shop and to her old job, although it had closed. Recently, GESAR unveiled a new tool to search for missing people: Maverick. An 8-month-old chocolate Labrador retriever, Maverick is in training to be part of the GESAR search and research team that will track missing people, including wandering dementia patients in metro Atlanta. In cases involving children and people with dementia, a dog’s personality can also be an asset. Labs like Maverick are friendly and affectionate, not imposing or threatening like some other breeds — and less likely to scare the person who is lost. Canines can be used in searches in both rural and urban areas. “He’s an asset,” said Maverick’s handler, Carmen Alonso. “His nose can pick up odors and track where a person has been that we might not think to go that direction.” At the Cobb County Police Department, Public Information Officer Sgt. Eric Smith said if dogs are needed to search for a wanderer they call the sheriff’s department, which has bloodhounds. “They’re not apprehension dogs so there’s little or no likelihood of a bite,” he said. Technology can also help, Smith said. Searchers can use drones and families can install technology on a person’s car to help locate it or use other kinds of trackable devices including on their phone. “We get so many Alzheimer’s calls,” said Clark, who is also a volunteer instructor with the Georgia Chapter of the Alzheimer’s Association. Most cases they’ve worked on have had favorable results, according to the Georgia Emergency Search and Recovery organization. No two searches are the same, said Sgt. Jeremy Blake of the Cobb County Sheriff’s Office. “When responding to calls for a missing person, the response is different than that of a fleeing suspect,” he wrote in an email. “The K-9s that are used to track missing persons are not trained in the apprehension of suspects. ... Often times, if the K-9 cannot locate the missing person, they can provide officers with a more accurate direction of travel than they may previously had.” Nearly 7 million U.S. residents age 65 and older were living with Alzheimer’s according to the most recent Facts & Figures report . Of those, more than 188,000 Georgians ages 65 and older also have been diagnosed with the disease, according to the Alzheimer’s Association Georgia Chapter. There is a better chance of being found in urban environments because of a higher probability of a “good Samaritan” stepping in. Wanderers may give no forewarning. Often those with memory issues wander away during activities they’ve done safely in the past, such as shopping or sitting on a front porch. Some people who still drive can become disoriented and drive for miles away from home. According to the Cobb County Sheriff’s Office, on average, half the calls for missing persons involve the elderly or someone with disabilities. Call 911 as soon as possible. Have a photograph available for first responders and an article of clothing to provide a scent for search dogs. Sharing what the missing person liked to do in prior years can be a key: Did they have a job they went to every day? Did they like to fish or go to a certain spot? Searchers will need to know the last time the person was seen to help determine how far a person might have wandered. (Source: Alzheimer’s Association and Cobb County Police Department.) ©2024 The Atlanta Journal-Constitution. Visit at ajc.com. Distributed by Tribune Content Agency, LLC.Pulisic limps off in first half of Milan's 2-1 defeat

NEW YORK, Dec. 06, 2024 (GLOBE NEWSWIRE) -- Attorney Advertising--Bronstein, Gewirtz & Grossman, LLC, a nationally recognized law firm, notifies investors that a class action lawsuit has been filed against ASP Isotopes Inc. (“ASP Isotopes” or “the Company”) (NASDAQ: ASPI) and certain of its officers. Class Definition This lawsuit seeks to recover damages against Defendants for alleged violations of the federal securities laws on behalf of all persons and entities that purchased or otherwise acquired ASP Isotopes securities between October 30, 2024 and November 26, 2024, both dates inclusive (the “Class Period”). Such investors are encouraged to join this case by visiting the firm’s site: bgandg.com/ASPI. Case Details The complaint alleges that throughout the Class Period, Defendants made materially false and/or misleading statements, as well as failed to disclose material adverse facts about the Company’s business, operations, and prospects. Specifically, the Complaint alleges that Defendants failed to disclose to investors: (1) the Company overstated the potential effectiveness of its enrichment technology; (2) the Company overstated the development potential of its high assay low-enriched uranium facility; (3) the Company overstated the Company’s nuclear fuels operating segment results; and (4) that, as a result of the foregoing, Defendants’ positive statements about the Company’s business, operations, and prospects were materially misleading and/or lacked a reasonable basis. What's Next? A class action lawsuit has already been filed. If you wish to review a copy of the Complaint, you can visit the firm’s site: bgandg.com/ASPI. or you may contact Peretz Bronstein, Esq. or his Client Relations Manager, Nathan Miller, of Bronstein, Gewirtz & Grossman, LLC at 332-239-2660. If you suffered a loss in ASP Isotopes you have until February 3, 2025, to request that the Court appoint you as lead plaintiff. Your ability to share in any recovery doesn't require that you serve as lead plaintiff. There is No Cost to You We represent investors in class actions on a contingency fee basis. That means we will ask the court to reimburse us for out-of-pocket expenses and attorneys’ fees, usually a percentage of the total recovery, only if we are successful. Why Bronstein, Gewirtz & Grossman Bronstein, Gewirtz & Grossman, LLC is a nationally recognized firm that represents investors in securities fraud class actions and shareholder derivative suits. Our firm has recovered hundreds of millions of dollars for investors nationwide. Attorney advertising. Prior results do not guarantee similar outcomes. Contact Bronstein, Gewirtz & Grossman, LLC Peretz Bronstein or Nathan Miller 332-239-2660 | info@bgandg.comEACH December, lines of a song keep coming back to me: “And so this is Christmas and what have you done? Another year over, a new one’s just begun.” Beyond the “year-that-was” accomplishment reports for businesses or chatty missives to family and friends, Christmases present us with an opportunity to take stock, perhaps in the quiet of the evening as one watches the blinking Christmas lights or in the crispness of the morning as the city gradually awakes. Enter the book, Brick by Brick: Building the Change You Want by a young professional of deep insight, Myke Santos. First on Myke. I first met him as a shy little boy who would quietly observe us adults conversing. His Mom was a dear friend with a vibrant presence, and his Uncle is my BFF (Best Friends Forever) with a passion for writing, stage, and the arts. It is a joy to see that Myke is now a: strategy and HR consultant, certified coach for Transformative Coaching and The Leadership Circle, and certified facilitator of the Lego: Serious Play Method that he pioneered in the Philippines; university faculty member, and founder of Brick Consulting. It turned out to be a natural progression for him to write a book. AS THE YEAR WINDS DOWN I chose to write about this in this column as PR and communication activities wind down these holidays, replaced by family and friend reunions, the reunions being chicken soup for the soul, borrowing from another book’s title. These present a bit of a respite before we begin 2025. Optimism usually characterizes the start of a new year, as it offers a fresh start. We want all to have a better self, better opportunities, and less, or best, none of the grating or incessant difficulties that douse cold water on our dreams and plans. And then, there is change. Myke’s take on change: “CHANGE doesn’t happen overnight, we must build it brick by brick.” This is something we instinctively know, but still, because of the twists and turns it takes to change, it becomes something that we wish we could just do in a quick reboot. It could be an exciting and happy change as in a promotion, or a challenging one as in an issue and crisis management situation. He clarifies: “This is not a book about changing careers or making the great leap to entrepreneurship, though you could use it that way. This book is meant for anyone feeling disoriented and out of sorts about change, and wanting to embrace and shape change rather than being a hapless victim or bystander of it.” “It is about changing the way we look at change to be more purposeful about how we create and manage it, no matter how challenging it can be.” THE EVOLVING WORKPLACE HE recalls feeling disoriented upon reporting back to work here at the mother company after a two-year regional assignment. “Suddenly I felt out of place,” he wrote, adding, “I felt this strange sense of unfamiliarity. As if the company I had been a part of for the past 10 years had changed so drastically without me...this experience of change disrupted not only my career trajectory, but also my peace of mind and sense of self.” Discomfort, he recalled, led him to three options: Either “Don’t rock the boat.” or “Fight fire with fire.” or “Build the change I wanted.” He chose to build the change he wanted because, “change is thrust upon us and awaits our response,” and that in his case, it was adjusting from the corporate ways he had become used to, to becoming an independent consultant and entrepreneur with many hats and functions. He cites one earlier brick, lifetime employment, deemed the foundation for a good life, and how this has evolved into the brick of lifelong learning. “All around us, we have seen other new bricks slowly replacing old bricks, such as the pursuit of purpose and meaning instead of climbing the corporate ladder; working anywhere and anytime...putting a premium on health and well-being instead of keeping your professional and personal selves completely separate; failing fast and learning instead of putting a premium on strict compliance and punishing experimentation.” He goes on to identify new bricks like “the power of influence in a digital world, human-centric design, open and authentic leadership, diverse and inclusive cultures.” 5 NEW BRICKS And thus, the book and the action and advocacy he espouses, and these five bricks to change, “new bricks for a new world:” 1. “INTENTION— Beyond setting goals and listing resolutions, think about your INTENTIONS for next year, whether it is a small intention of making better decisions day-to-day, meeting a major milestone, or simply being more aware and mindful of what is important for you. How you would define a ‘better’ year for you whether in your personal life or as a PR and communications practitioner in your field and organization.” ACTION: Articulate your intention. 2. “IDENTITY— To embark on change, one must remember that you are not starting from zero. Who you are and what got you to where you are today are all capabilities that will help bring you forward. In PR and communication what skills and experiences can you leverage on? What message does your organization convey in terms of who you are and what you stand for?” ACTION: Revisit your identity. 3. “FOCUSED ACTION— Between your INTENTION and IDENTITY are deliberate, tiny steps that will get you to where you are going. In this age where there is a lot of COMMUNICATION NOISE, what is important is to develop a sense of FOCUS and then work towards it even if every slowly. ACTION without FOCUS is a busyness. FOCUS without action is a distraction.” ACTION: Identify what focused action you can take. 4. “CONNECTION— As we take focused actions towards our intentions, we will impact others just as others impact us. CONNECTION means ensuring that we meet our audiences where they are and connect with them to get feedback – whether positive or negative – for us to RESPOND and ADAPT while constantly engaging with those that matter to us.” ACTION: Engage with those who matter. 5. “PLAY— As children we are ever curious, immensely creative, and always learning new things. In our professional world where business models, technology, and ways of working are constantly in flux, instead of facing change with fear or the need to control, we can maintain a mindset of play by being curious about what change can mean for us and what it is nudging us to do. Whether it is learning more about disruptive technologies i.e., AI in our field to understand rather than to hide from it or being open to industry/social media trends that helps us anticipate change and become more resilient as people and professionals.” ACTION: Step back, recharge, refocus and get into the mindset of play to treat yourself with compassion and humor. REINVENTING, REBUILDING I end this column with Myke’s words: “I invite you to reflect on the current bricks that you may have built your identity, your relationships, and your work around; the subtle or overwhelming change that you may be experiencing today; and what new bricks you may need to reinvent or rebuild to generate positive change in your life. Change in our lives is constant, but so too is our capability to imagine, respond, and create...a new world awaits!” Myke’s insightful, inspiring book, Brick by Brick: Building the Change You Want, is available at Fully Booked branches. You can hear more of his thoughts on the 5 Brick Change Framework as a Philippine speaker at the Fusion 2025 regional conference of the International Association of Business Communicators Asia Pacific (IABC APAC) on March 17 and 18, 2025 at EDSA Shangri-la Hotel. See you there! https://iabcfusionconference.com/ PR Matters is a roundtable column by members of IPRA Philippines, the local chapter of the United Kingdom-based International Public Relations Association, the world’s premier association for senior communications professionals around the world. Ritzi Villarico-Ronquillo, APR, IABC Fellow is a Consultant, Coach and Speaker on Business Communication and Strategic Public Relations with 43 years of experience in leading internal and external communication and PR in corporate, communities, academe and associations. We are devoting a special column each month to answer the reader’s questions about public relations. 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Extreme weather has created treacherous driving conditions over the past 48 hours. According to police between 7:00 a.m. Thursday and 9:00 a.m. Friday they responded to 162 collisions. Police posted images of a serious pileup near Putnam Road which shuttered the 401 for several hours. They say one person had serious but non-life threatening injuries. The westbound lanes were closed for more than 7-hours while crews cleaned up the wreckage. Shopping Trends The Shopping Trends team is independent of the journalists at CTV News. We may earn a commission when you use our links to shop. Read about us. 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Jasper hockey goalie pays tribute to fire-ravaged town Among the things Jasper resident Reid Jackson lost when his family's home was destroyed by the summer fire was his hockey goalie equipment. Video posted to social media shows fireball, black smoke from manufacturing plant incident An issue at a chemical manufacturing plant in Edmonton caused a fireball on Friday morning. Regina Bernadette McIntyre named Saskatchewan's 24th Lieutenant Governor Saskatchewan’s 24th Lieutenant Governor will be Bernadette McIntyre after being appointed to the position by Prime Minister Justin Trudeau on Friday. Sask. father who kept daughter from mom to prevent COVID-19 vaccine free from additional prison time Michael Gordon Jackson, the Saskatchewan father who withheld his then seven-year-old daughter from her mom for nearly 100 days to prevent the girl from getting a COVID-19 vaccine, was handed a 12-month prison sentence and 200 days probation on Friday, but credited with time served. Ticketmaster hidden fees settlement credits expected in 2025 following class-action lawsuit by Regina lawyer A longstanding lawsuit against Ticketmaster is nearing its end, with a judge expected to approve the more than $6 million dollar settlement before the end of the year. Saskatoon Bernadette McIntyre named Saskatchewan's 24th Lieutenant Governor Saskatchewan’s 24th Lieutenant Governor will be Bernadette McIntyre after being appointed to the position by Prime Minister Justin Trudeau on Friday. Saskatoon-based dog rescue operator ordered to pay $27K for defamatory Facebook posts A Saskatoon-based dog rescue operator has been ordered to pay over $27,000 in damages to five women after a judge ruled she defamed them in several Facebook posts. Are other cities better at clearing snow than Saskatoon? One of the noticeable changes during Saskatoon’s 2025 budget deliberations at city hall this past week was an increase to the snow and ice budget. Vancouver Soggy night for Swifties? Umbrellas not allowed at Taylor Swift concert venue in Vancouver There's heavy rain in the forecast for the first night of Taylor Swift's sold-out Eras Tour in downtown Vancouver – and umbrellas are prohibited at the concert venue. B.C. minister wants new safety plan for Victoria schools, threatens board removal British Columbia Education Minister Lisa Beare has appointed a special adviser to help the Victoria school board "revise and improve" its safety plan after it barred police from schools except in emergencies. SPCA recommending cruelty charges after seizing 59 dogs, 14 birds from B.C. breeder The BC SPCA says it recently rescued 59 suffering dogs and puppies as well as 14 birds from an irresponsible breeder in Quesnel. Vancouver Island B.C. minister wants new safety plan for Victoria schools, threatens board removal British Columbia Education Minister Lisa Beare has appointed a special adviser to help the Victoria school board "revise and improve" its safety plan after it barred police from schools except in emergencies. Victoria man sentenced for sexually assaulting teen after supplying her drugs A Victoria man has been sentenced to five years in prison for twice sexually assaulting a teenage girl – one of four minors he was convicted of targeting over an eight-month period in 2018. All-star Vancouver Canucks goalie Thatcher Demko returns to lineup as backup All-star goalie Thatcher Demko will return to the Vancouver Canucks lineup Friday. Stay ConnectedStocks closed higher on Wall Street, giving the market its fifth gain in a row and notching another record high for the Dow Jones Industrial Average. The S&P 500 rose 0.3% Friday. The Dow added 1%, and the Nasdaq composite tacked on 0.2%. Retailers had some of the biggest gains. Gap soared after reporting quarterly results that easily beat analysts’ estimates. EchoStar fell after DirecTV called off its purchase of that company’s Dish Network unit. European markets closed mostly higher and Asian markets ended mixed. Treasury yields held relatively steady in the bond market. Crude oil prices gained ground. THIS IS A BREAKING NEWS UPDATE. AP’s earlier story follows below. Stocks rose on Wall Street in afternoon trading Friday, keeping the market on track for its fifth straight gain. The S&P 500 was up 0.2% and was solidly on track for a weekly gain that will erase most of last week's loss. The Dow Jones Industrial Average climbed 333 points, or 0.8%, and the Nasdaq composite was essentially flat with a gain of less than 0.1% as of 3:07 p.m. Eastern. Markets have been volatile over the last few weeks, losing ground in the runup to elections in November, then surging following Donald Trump's victory, before falling again. The S&P 500 has been steadily rising throughout this week to within close range of its record. “Overall, market behavior has normalized following an intense few weeks,” said Mark Hackett, chief of investment research at Nationwide, in a statement. Several retailers jumped after giving Wall Street encouraging financial updates. Gap soared 10.8% after handily beating analysts' third-quarter earnings and revenue expectations, while raising its own revenue forecast for the year. Discount retailer Ross Stores rose 1.5% after raising its earnings forecast for the year. EchoStar fell 2.4% after DirecTV called off its purchase of that company's Dish Network unit. Smaller company stocks had some of the biggest gains. The Russell 2000 index rose 1.8%. A majority of stocks in the S&P 500 were gaining ground, but those gains were kept in check by slumps for several big technology companies. Nvidia fell 3.3%. Its pricey valuation makes it among the heaviest influences on whether the broader market gains or loses ground. The company has grown into a nearly $3.6 trillion behemoth because of demand for its chips used in artificial-intelligence technology. Intuit, which makes TurboTax and other accounting software, fell 5.6%. It gave investors a quarterly earnings forecast that fell short of analysts’ expectations. Facebook owner Meta Platforms fell 0.8% following a decision by the Supreme Court to allow a multibillion-dollar class action investors’ lawsuit to proceed against the company. It stems from the privacy scandal involving the Cambridge Analytica political consulting firm. European markets closed mostly higher and Asian markets ended mixed. Crude oil prices rose. Treasury yields held relatively steady in the bond market. The yield on the 10-year Treasury fell to 4.41% from 4.42% late Thursday. In the crypto market, Bitcoin hovered around $99,000, according to CoinDesk. It has more than doubled this year and first surpassed the $99,000 level on Thursday. Retailers remained a big focus for investors this week amid close scrutiny on consumer spending habits headed into the holiday shopping season. Walmart, the nation's largest retailer, reported a quarter of strong sales and gave investors an encouraging financial forecast. Target, though, reported weaker earnings than analysts' expected and its forecast disappointed Wall Street. Consumer spending has fueled economic growth, despite a persistent squeeze from inflation and high borrowing costs. Inflation has been easing and the Federal Reserve has started trimming its benchmark interest rates. That is likely to help relieve pressure on consumers, but any major shift in spending could prompt the Fed to reassess its path ahead on interest rates. Also, any big reversals on the rate of inflation could curtail spending. Consumer sentiment remains strong, according to the University of Michigan's consumer sentiment index. It revised its latest figure for November to 71.8 from an initial reading of 73 earlier this month, though economists expected a slight increase. It's still up from 70.5 in October. The survey also showed that consumers' inflation expectations for the year ahead fell slightly to 2.6%, which is the lowest reading since December of 2020. Wall Street will get another update on how consumers feel when the business group The Conference Board releases its monthly consumer confidence survey on Tuesday. A key inflation update will come on Wednesday when the U.S. releases its October personal consumption expenditures index. The PCE is the Fed's preferred measure of inflation and this will be the last PCE reading prior to the central bank's meeting in December.

Senate Majority Leader Chuck Schumer was blocked Wednesday from quickly advancing a bill that would allow local law enforcement agencies to track aerial drones, ensuring Congress won't act this year on the mysterious drone sightings that have bewildered residents of New Jersey and across the eastern U.S. Schumer, a New York Democrat, sought to speed a bipartisan bill through the Senate by seeking unanimous consent on the floor, but Sen. Rand Paul , a Kentucky Republican , objected to its passage. “The people in New York and New Jersey have a lot of questions, and they’re not getting good enough answers,” said Schumer. “The utter confusion surrounding these drone sightings shows that the feds can’t respond all on their own.” Schumer has also called for the U.S. Department of Homeland Security to deploy better drone-tracking technology to identify the drones and their operators. The Senate bill would have also enhanced some federal agencies’ authority to act on drones, as well as started a pilot program to allow states and local authorities to disrupt, disable or seize a drone without prior consent of the operator. “This bill would ensure that law enforcement has the technology needed to quickly and clearly identify exactly what the reported sightings of drones across the country actually are,” said Sen. Gary Peters, a Michigan Democrat who sponsored the bipartisan bill. National security officials have said the drones don’t appear to be a sign of foreign interference or a public safety threat. But they can’t say with certainty who is responsible for the sudden swarms of drones over parts of New Jersey, New York and other eastern parts of the U.S. Some U.S. political leaders, including Trump, have called for much stronger action against the drones, including shooting them down. Paul, the Kentucky Republican who often advocates for limiting governmental powers, said that he was objecting because it is not clear there is a threat that warrants urgent action. He said the bill would “expand federal authority to intercept communications and disrupt drone activity — powers that raise serious concerns for Americans' privacy, civil liberties, and Fourth Amendment protections against unwarranted search and seizure.”TORONTO—Canadian neurosurgeons in partnership with Elon Musk’s Neuralink have regulatory approval to recruit six patients with paralysis willing to have a thousand electrode contacts in their brains. The trial, called CAN-PRIME, has started recruiting patients for a study that will test the safety and efficacy of a device that allows people to move cursors with their minds, a surgeon leading the trial said. Neuralink announced regulator Health Canada’s approval this week. Neuralink has implanted two such devices in patients in the United States. Directors at Neuralink reached out to Toronto-based University Health Network neurosurgeon Andres Lozano a year ago, he told Reuters. He figures his experience with other forms of brain implants played a role. “Myself and our entire team jumped at the possibility of participating in this trial,” Lozano said. The trial will use a two-ton robot to implant 64 electrodes, each with 16 contacts, into the hand-motor areas of patients’ brains. The idea is that the electrodes will transmit activity in those areas so that by thinking about movement, the patient can make connected devices move. To be eligible, individuals must have severe quadriplegia due to amyotrophic lateral sclerosis or a spinal cord injury. They would have the surgery in Toronto and use the technology at home, said Lozano, who added he hopes to start in the new year. As the sponsor, Neuralink designed the electrodes and implantation system and will be decoding signals from the electrodes, while the doctors will be responsible for patient selection, surgery safety and health monitoring. “The surgery obviously is a necessary crucial step, but we will not be analyzing the data or doing anything with the data. That'll be up to the company to do that,” Lozano said. Any procedure has risks and there is the possibility of complications, Lozano said. These include brain bleeds, infections, broken wires or wires that stop transmitting. In May Neuralink disclosed that wires had pulled out of position in its first patient—a problem sources told Reuters the company had known about for years. Neuralink did not respond to a request for comment. Health Canada confirmed it had issued an authorization on Nov. 15 but did not provide the study protocols. This intervention is likely years away from being available to the general public, said Brad Wouters, executive vice president of science and research at University Health Network. But Musk “has demonstrated the ability to move quickly,” he said. This technology focuses on reading brain activity. But there is a possibility of “writing,” too, Lozano said—of transmitting information so that, for example, visually impaired people can “see.” But safeguards need to be in place so the technology is not abused, he added. “There’s this issue, also, of whether the systems could be hacked and someone could insert thoughts into you or read your thoughts,” Lozano said, adding this is theoretical but “we have to put in the proper safeguards to ensure that this is done safely and properly.”

By Funto Omojola, NerdWallet Mobile wallets that allow you to pay using your phone have been around for well more than a decade, and over those years they’ve grown in popularity, becoming a key part of consumers’ credit card usage. According to a “state of credit card report” for 2025 from credit bureau Experian, 53% of Americans in a survey say they use digital wallets more frequently than traditional payment methods. To further incentivize mobile wallet usage, some credit card issuers offer bonus rewards when you elect to pay that way. But those incentives can go beyond just higher reward rates. In fact, mobile wallets in some ways are becoming an essential part of activating and holding a credit card. For example, they can offer immediate access to your credit line, and they can be easier and safer than paying with a physical card. From a rewards perspective, it can make a lot of sense to reach for your phone now instead of your physical card. The Apple Card offers its highest reward rates when you use it through the Apple Pay mobile wallet. Same goes for the PayPal Cashback Mastercard® when you use it to make purchases via the PayPal digital wallet. The Kroger grocery store giant has a co-branded credit card that earns the most when you pay using an eligible digital wallet, and some major credit cards with quarterly rotating bonus categories have a history of incentivizing digital wallet use. But again, these days it’s not just about the rewards. Mobile wallets like Apple Pay, Samsung Pay and PayPal can offer immediate access to your credit line while you wait for your physical card to arrive after approval. Indeed, most major issuers including Bank of America®, Capital One and Chase now offer instant virtual credit card numbers for eligible cards that can be used upon approval by adding them to a digital wallet. Additionally, many co-branded credit cards — those offered in partnership with another brand — commonly offer instant card access and can be used immediately on in-brand purchases. Credit cards typically take seven to 10 days to arrive after approval, so instant access to your credit line can be particularly useful if you need to make an urgent or unexpected purchase. Plus, they allow you to start spending toward a card’s sign-up bonus right away. As issuers push toward mobile payments, a growing number of merchants and businesses are similarly adopting the payment method. The percentage of U.S. businesses that used digital wallets increased to 62% in 2023, compared to 47% the previous year, according to a 2023 survey commissioned by the Federal Reserve Financial Services. Wider acceptance is potentially good news for the average American, who according to Experian has about four credit cards. While that won’t necessarily weigh down your wallet, it can be hard to manage multiple cards and rewards categories at once. Mobile wallets offer a more efficient way to store and organize all of your workhorse cards, while not having to carry around ones that you don’t use often. They can also help you more easily monitor your spending and rewards, and some even track your orders’ status and arrival time. Plus, paying with a digital wallet offers added security. That’s because it uses technology called tokenization when you pay, which masks your real credit card number and instead sends an encrypted “token” that’s unique to each payment. This is unlike swiping or dipping a physical card, during which your credit card number is more directly accessible. And again, because a mobile wallet doesn’t require you to have your physical cards present, there’s less chance of one falling out of your pocket or purse. More From NerdWallet Funto Omojola writes for NerdWallet. Email: fomojola@nerdwallet.com. The article Activating Your Credit Card? Don’t Skip the Mobile Wallet Step originally appeared on NerdWallet .UNK awards degrees during winter commencement

In Maharashtra, a big question after the recent elections is: *Who will be the Chief Minister (CM)?* While leaders say things like, “It doesn’t matter who becomes CM,” the truth is that the *numbers* tell a different story. The BJP (a major political party) won far more seats than its allies, like Shiv Sena and the NCP. The BJP got 132 seats—just 13 short of forming a government by itself—while Shiv Sena got 57 and the NCP got 41. This makes it clear: the BJP is in a much stronger position, so it’s very likely that the next CM will be from their party. In the past, politics in Maharashtra has been unpredictable. For example, Devendra Fadnavis, a BJP leader, was the first CM in a long time to finish a full five-year term. However, the idea of “rotating” the CM role between two parties hasn’t worked well. In other states like Karnataka and Uttar Pradesh, BJP allies didn’t always keep their promises about sharing the CM position, which caused problems. Some people think Eknath Shinde, a leader from Shiv Sena, could still be CM because he has strong support among Marathas and has promoted popular schemes like *Ladki Bahin*. However, Shiv Sena’s smaller number of seats makes this less likely. Back in 2019, Uddhav Thackeray, another Shiv Sena leader, left his alliance with the BJP because they wouldn’t let him be CM. In 2022, Shinde got the CM position because the BJP needed Shiv Sena’s support at the time. Now, though, things are different. The BJP is so strong that it doesn’t need Shiv Sena as much anymore. So, the decision about who will be CM will likely depend on what the BJP wants.The Bake Off star said Wallace should stay off social media ‘because he’s just digging himself deeper and deeper into a hole’. Dame Prue Leith claimed TV executives have been “very weak” amid the Gregg Wallace furore, adding that they should be “tough with their presenters”. On Friday, BBC bosses said they would be supporting MasterChef production company Banijay UK as it investigates allegations of misconduct against Wallace, after he stepped away from hosting the BBC One cooking show. In a message sent to staff, director-general Tim Davie, and Charlotte Moore, the BBC’s chief content officer, said the corporation will not “tolerate behaviour that falls below the standards we expect”. The Great British Bake Off star Dame Prue told Cathy Newman on Times Radio that she believed TV executives are “very weak” when managing talent. “For goodness sake, they can replace Gregg Wallace. They can replace anybody. So they should be tough with their presenters,” the 84-year-old said. “They should be very clear about whatever the rules are. I do think they’ve been weak. “But I don’t want to say that he should be sacked because I don’t know what the crime is.” Dame Prue said she understands the decision for Wallace to “step aside while they investigate things” but does not agree that people “should be cancelled or sacked”. At the start of the week, Wallace apologised for claiming complaints about his behaviour came from “a handful of middle-class women of a certain age”, adding he will “take some time out”. His lawyers have previously strongly denied “he engages in behaviour of a sexually harassing nature”, according to BBC News. “He should just stay off social media because he’s just digging himself deeper and deeper into a hole because he’s too insensitive to understand how offensive it is,” Dame Prue said. “But that’s his problem, that he’s insensitive. “He hasn’t, that I can see, disobeyed the law. I don’t believe people should be cancelled or sacked. “I can see why you would ask somebody to step aside while they investigate things, which I suppose is what they’re doing. “But I think the tragedy in this is that I bet you Gregg has no idea what he’s done wrong.” Dame Prue also voiced concerns that the industry could be inundated with “boring” presenters if it becomes “too regulated and too organised” because “nobody will ever dare say anything”. “And that’s silly too,” she said. “But I think broadcasters need to know. It is very tricky because I do a little programme on ITV on Saturday morning and it’s a cooking programme and every now and again, the production company will say, don’t say that because it’ll be offensive and I think that it’s not offensive. “And then I suppose that’s a Gregg Wallace thing. Maybe I don’t realise. I mean, for example, language changes all the time.” Earlier this week, Banijay UK said in a statement: “It is important to note that MasterChef welfare processes are regularly adapted and strengthened and there are clear protocols to support both crew and contributors. “These include multiple ways of reporting issues, including anonymously. HR contact details are promoted and contributors are assigned a point of contact on set available to discuss any issues or concerns.” This week, the BBC announced it was pulling a Celebrity MasterChef Christmas Cook Off special and a MasterChef Strictly Christmas special from its December TV schedules amid the controversy.

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