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. Get any of our free email newsletters — news headlines, sports, arts & entertainment, state legislature, CFD news, and more.Lazada Philippines enhances e-commerce experience in 2024ssbet77.ph 。

China Unveils Global AI Governance Committee With Alibaba Cloud Founder At The HelmTRENTON, N.J. (AP) — A large number of mysterious drones have been reported flying over New Jersey and across the eastern U.S., sparking speculation and concern over where they came from and why. New Jersey Gov. Phil Murphy and U.S. Sen. Andy Kim have both gone out on drone hunts, hoping for answers. The FBI, Homeland Security, state police and other agencies are investigating. Murphy and law enforcement officials have stressed that the drones don’t appear to be a threat to public safety , but many state and municipal lawmakers have nonetheless called for stricter rules about who can fly the unmanned aircraft — and to be allowed to shoot them out of the sky. Dozens of witnesses have reported seeing drones statewide since mid-November, including near the Picatinny Arsenal, a military research and manufacturing facility, and over President-elect Donald Trump’s golf course in Bedminster. Murphy, a Democrat, said Monday that equipment supplied by the federal government has yielded little new information. He declined to describe the equipment except to say it was powerful and could even “mitigate” the drones, though he added that’s not currently legal on U.S. soil. The state tallied 12 sightings Saturday and just one on Sunday. Murphy urged Congress to give states more authority to deal with the drones. The growing anxiety among some residents is not lost on the Biden administration, which has faced criticism from Trump for not dealing with the matter more aggressively. White House national security spokesman John Kirby on Monday said the federal government has yet to identify any public safety or national security risks from reported drone sightings in the northeast, saying officials believe they were lawfully flown drones, planes or even stars. “There are more than 1 million drones that are lawfully registered with the Federal Aviation Administration here in the United States,” Kirby said. “And there are thousands of commercial, hobbyist and law enforcement drones that are lawfully in the sky on any given day. That is the ecosystem that we are dealing with.” The federal government has deployed personnel and advanced technology to investigate the reports in New Jersey and other states, and is evaluating each tip reported by citizens, he said. The FBI received more than 5000 tips in recent weeks, he added, with only “about 100” deemed credible enough to require additional investigation. Authorities say they do not know. The Department of Homeland Security and FBI said they have no evidence that the aircraft pose “a national security or public safety threat or have a foreign nexus.” Speculation has nevertheless raged online, with some expressing concerns that the drones could be part of a nefarious plot by foreign agents. Officials stress that ongoing investigations have found no evidence to support such concerns, but U.S. Rep Chris Smith, a Republican, on Saturday echoed such speculation. “The elusive maneuvering of these drones suggests a major military power sophistication that begs the question whether they have been deployed to test our defense capabilities — or worse — by violent dictatorships, perhaps maybe Russia, or China, or Iran, or North Korea,” he said. On Monday, Pentagon spokesperson Maj. Gen. Pat Ryder cast doubt on the idea that the drones are engaged in intelligence gathering, given how loud and bright they are. He said about 1 million drones are registered drones in the U.S. and about 8,000 flying on any given day. Pentagon spokeswoman Sabrina Singh has said the aircraft are not U.S. military drones. In Boston, city police arrested two men accused of operating a drone “dangerously close” to Logan Airport on Saturday night. Authorities said an officer using drone monitoring technology detected the aircraft and the location of the operators. A third man fled police and remains at large. Authorities said the two men face trespassing charges and could face more charges and fines. Drones flying around Wright-Patterson Air Force Base near Dayton, Ohio, forced base officials to close its airspace for about four hours late Friday into early Saturday, said Robert Purtiman, a base spokesperson. It was the first time drones had been spotted at the base, one of the largest in the world, and no sightings have been reported since, Purtiman said Monday. He said the drones had no impact on any facilities on the base. Trump has said he believes the government knows more than it’s saying. “Let the public know, and now. Otherwise, shoot them down!!!” he posted on Truth Social. Kim said he’s heard no support for the notion the government is hiding anything. He said a lack of faith in institutions is playing a key part in the saga. “Nothing that I’m seeing, nothing that I’ve engaged in gives me any impression of that nature. But like, I get it, some people won’t believe me, right? Because that’s the level of distrust that we face," Kim said Monday. Sen. Richard Blumenthal of Connecticut last week called for the drones to be “shot down." Rep. Smith urged the Pentagon to authorize the use of force to bring down one or more drones to try to figure out who deployed them. The objects could be downed over the ocean or in an unpopulated area on land, Smith said Saturday. “Why can't we bag at least one of these drones and get to the bottom of it?” Smith said. Monmouth County Sheriff Shaun Golden said members of the public must not try to shoot down drones, as that would violate state and federal laws. Drone sightings were also reported in New York, where a permit is required. Mayor Eric Adams said the city was investigating and collaborating with New Jersey and federal officials. The runways at Stewart International Airport — about 60 miles (100 kilometers) north of the city — were shut down for about an hour Friday night because of drone activity, Gov. Kathy Hochul said. “This has gone too far,” she said in a statement. The governor called on Congress to strengthen the FAA’s oversight of drones and give more investigative authority to state and local law enforcement. Associated Press writers John Seewer in Toledo, Ohio; Bruce Schreiner in Shelbyville, Kentucky; and Aamer Madhani in West Palm Beach, Florida, contributed.

McLean County school districts may seek 1% sales taxTuesday’s game features the Gardner-Webb Runnin’ Bulldogs (2-3) and the SE Louisiana Lions (2-3) matching up at Hard Rock Hotel Riviera Maya in what should be a one-sided matchup, with a projected 77-66 win for heavily favored Gardner-Webb according to our computer prediction. Game time is at 12:30 PM ET on November 26. Based on our computer prediction, Gardner-Webb is a good bet to cover the point spread, which currently sits at 2.5. The two teams are projected to go over the 141.5 total. Catch tons of live college basketball , plus original programming, with ESPN+ or the Disney Bundle. Place your bets on any men’s college basketball matchup at BetMGM. Sign up today using our link. Gardner-Webb is 3-2-0 against the spread this season compared to SE Louisiana’s 4-0-0 ATS record. A total of three out of the Runnin’ Bulldogs’ games this season have hit the over, and one of the Lions’ games have gone over. The two teams average 140.6 points per game combined, 0.9 less than this matchup’s total. Bet on this or any men’s college basketball matchup at BetMGM. Rep your favorite players with officially licensed gear. Head to Fanatics to find jerseys, shirts, hats, and much more. Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER .

( MENAFN - GetNews) Founded in 2004, DeRUCCI has become a pioneering force in the sleep technology industry by integrating global healthy sleeping resources. Engaged in comprehensive research and development, design, production, and marketing, DeRUCCI offers a full suite of sleep solutions tailored to promote better rest and comfort. With a presence in over 5,700 exclusive stores across more than 17 countries-including China, Australia, the United States, Canada, Singapore, and regions like Hong Kong, Macau and Taiwan-DeRUCCI is redefining what it means to achieve healthy sleep. Comprehensive Product Range for Ultimate Comfort DeRUCCI's product lineup is designed to cater to diverse needs for better rest and comfort. The range includes various types of high-quality mattresses , bed frames , pillows, sofas, and other home furniture. 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WASHINGTON (AP) — President Joe Biden had long pledged that he would not pardon his son, Hunter, who was set to be sentenced this month for gun and tax convictions. But on Sunday, the president did it anyway. The sweeping pardon covers not only Hunter Biden's convictions in two cases in Delaware and California, but also any other “offenses against the United States which he has committed or may have committed or taken part in during the period from January 1, 2014 through December 1, 2024.” Biden is hardly the first president to deploy his pardon powers to benefit those close to him. But it was still a surprising reversal for a man who pledged to restore norms and respect for the rule of law. The U.S. Constitution says that a president has the power to grant clemency, which includes both pardons and commutations. A pardon forgives federal criminal offenses; a commutation reduces penalties but isn't as sweeping. The power has its roots in English law — the king could grant mercy to anyone — and it made it over the ocean to the American colonies and stuck around. The U.S. Supreme Court has found the presidential pardon authority to be very broad. And presidents use the power a lot: Donald Trump granted 237 acts of clemency during his four years in office and Barack Obama granted clemency 1,927 times in his eight years. Presidents have forgiven drug offenses, fraud convictions and Vietnam-era draft dodgers, among many other things. But a president can only grant pardons for federal offenses, not state ones. Impeachment convictions also aren't pardonable. Hunter Biden was convicted in June of lying on a federal form when he purchased a gun in 2018 and swore that he wasn’t a drug user. Just months later, he pleaded guilty to charges accusing him of a scheme to avoid paying at least $1.4 million in taxes. Prosecutors alleged he lived lavishly while flouting the tax law, spending his cash on things like strippers and luxury hotels — “in short, everything but his taxes.” Both cases stemmed from a period in Hunter Biden’s life in which he struggled with drug and alcohol abuse before becoming sober in 2019. After the gun trial aired salacious and unflattering details about Hunter Biden’s life, the president’s son said he agreed to plead guilty to the tax charges to spare his family another embarrassing criminal trial. The tax trial was also expected to showcase details about Hunter Biden’s foreign business dealings, which Republicans have seized on to try to paint the Biden family as corrupt. Hunter Biden was supposed to be sentenced this month in the two cases by judges in California and Delaware who were nominated to the bench by Trump. Special counsel David Weiss’ office had not said whether prosecutors had planned to seek prison time. The tax charges carried up to 17 years behind bars and the gun charges were punishable by up to 25 years in prison, though federal sentencing guidelines were expected to call for far less time and it was possible the younger Biden would have avoided prison time entirely. Biden’s legal team filed Sunday night in both Los Angeles and Delaware asking the judges handling his gun and tax cases to immediately dismiss them, citing the pardon. But Weiss' team is opposing the dismissal of the cases, arguing the dockets should merely be marked "closed." Prosecutors also strongly pushed back on the claim that the cases were tainted by politics. "The Government does not challenge that the defendant has been the recipient of an act of mercy," prosecutors wrote in court papers. But they added: "That does not mean the grand jury’s decision to charge him, based on a finding of probable cause, should be wiped away as if it never occurred. It also does not mean that his charges should be wiped away because the defendant falsely claimed that the charges were the result of some improper motive or selective prosecution.” Yes. Hunter Biden has been under federal investigation since 2020. He reached a deal with federal prosecutors and was supposed to plead guilty last year to misdemeanor tax offenses and would have avoided prosecution in the gun case as long he stayed out of trouble for two years. But the plea hearing quickly unraveled when the judge raised concerns about unusual aspects of the deal. He was subsequently indicted in the two cases, and he’s claimed that he was singled out because he is the president’s son. The president told reporters earlier this summer that he would not pardon his son. “I’m extremely proud of my son Hunter. He has overcome an addiction. He is one of the brightest, most decent men I know,” he said. “I abide by the jury decision. I will do that and I will not pardon him.” White House press secretary Karine Jean-Pierre said as recently as Nov. 8 that Biden would not pardon his son. In his statement Sunday, Biden said that his son had been “selectively, and unfairly, prosecuted.” Biden has been concerned — as Hunter Biden was — about his political adversaries. Also, the president is no longer running for office. He made his no-pardon pledge before he dropped out of the presidential race in June. In his statement, the president said it was clear that his son was treated differently from other defendants in similar predicaments. The plea deal unraveled and Biden’s political opponents took credit for pressuring the process, he said. “No reasonable person who looks at the facts of Hunter’s cases can reach any other conclusion than Hunter was singled out only because he is my son — and that is wrong. There has been an effort to break Hunter — who has been five and a half years sober, even in the face of unrelenting attacks and selective prosecution. In trying to break Hunter, they’ve tried to break me — and there’s no reason to believe it will stop here. Enough is enough.” Yes. In his final weeks in office, Trump pardoned Charles Kushner, the father of his son-in law, Jared Kushner. He also pardoned multiple allies convicted in special counsel Robert Mueller’s Russia investigation. Trump over the weekend announced plans to nominate the elder Kushner to be the U.S. envoy to France in his next administration. President Bill Clinton pardoned his half-brother Roger Clinton in 2001, after he had completed a prison term for drug charges. Clinton also pardoned his former business partner Susan McDougal, who had been sentenced to two years in prison for her role in the Whitewater real estate deal.Sedona Waterproofing Solutions Helps Residents Prepare Crawl Spaces for Winter Holidays 11-25-2024 08:20 PM CET | Politics, Law & Society Press release from: Getnews / PR Agency: SubmitINme Image: https://www.getnews.info/wp-content/uploads/2024/11/1732466354.jpeg The recognized company prepares crawl spaces for winter with professional encapsulation, repair, and mold remediation services for Charlotte homes. Concord, North Carolina - November 25, 2024 - Families are gearing up for the holiday celebrations, and Sedona Waterproofing Solutions is stepping up to ensure homeowners can protect their crawl spaces from moisture and structural issues. 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Visit https://www.sedonawaterproofing.com/ Media Contact Company Name: Sedona Waterproofing Solutions Contact Person: Josh Landrio Email: Send Email [ http://www.universalpressrelease.com/?pr=sedona-waterproofing-solutions-helps-residents-prepare-crawl-spaces-for-winter-holidays ] Phone: +1 704-960-7906 Address:188 Crowell Dr NW City: Concord, Cabarrus State: North Carolina Country: United States Website: https://www.sedonawaterproofing.com/ This release was published on openPR.