baccarat rouge pronunciation
PHOTOS: Prairies snowstorm packs a wintry, chilly wallop as totals pile up
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.None
ZAYN Malik has returned to the stage for his first gig since the tragic death of ex-One Direction bandmate Liam Payne. Earlier this week, Liam was laid to rest a month after he fell to his death from a balcony in Buenos Aires, Argentina. Advertisement 4 Zayn Mailk returned to the stage for the first time since Liam Payne died Credit: Twitter 4 Zayn had postponed his US tour in light of the death of Liam 4 Zayn Malik with Liam Payne and his former One Direction Bandmates Credit: The Mega Agency Tonight, Zayn kicked off his tour, named Stairway To The Sky, in Leeds in front of thousands at the 02 Academy. The star wore a red cap and a hlack t-shirt with rapper Tupac on the front. Adoring fans waved their phones in the air with their flashlights on as Zayn serenaded the crowd. The tour was due to begin in Edinburgh on November 20 but was delayed after the death and funeral of Liam. Advertisement Read More in Showbiz BLAST FROM PAST Secrets of Band Aid 40 years on including group on coke & changed lyrics BIG BOTHER Big Brother star leaves house to find son in jail on axe & drug charges Zayn was also due to perform in San Francisco, California, on October 23, before playing several more US dates throughout the month and in November but these dates have now been rescheduled. It comes as Zayn gathered alongside Harry Styles, Louis Tomlinson, and Niall Horan to say goodbye to Liam at his funeral on Wednesday. It was the first public appearance Zayn has made with the group since he left the band in 2015. The pop star left One Direction, citing "stress," after withdrawing from the group's world tour. Advertisement Most read in Showbiz Exclusive XMAS TREAT Rock legend with iconic Xmas single is working on first album in 14 years KANYE BOMBSHELL Kanye West accused of sexually assaulting model on set of music video CAREER BLOW TV icon urged to quit and told 'You've no got a voice for broadcasting' SWEET SMILE OF MINE Victoria Beckham reveals the real reason she never smiled in photos Liam and Zayn found fame together as members of One Direction back in 2010, alongside Harry Styles, Louis Tomlinson and Niall Horan. The group became an international phenomenon, with hits including Kiss You, What Makes You Beautiful and Night Changes. As news of Liam's heartbreaking loss spread around the world, the band released a statement together, before they each made their own separate tributes. Zayn shared a picture of him and Liam cuddled up together in the back of the car as he reflected on their friendship and the time they spent together. Advertisement He wrote: "Liam I have found myself talking out loud to you, hoping you can hear me, I can't help but think selfishly that there was so many more conversations for us to have in our lives. "I never got to thank you for supporting me through some of the most difficult times in my life. "When I was missing home as a 17-year-old kid, you would always be there with a positive outlook and reassuring smile and let me know you were my friend and that I was loved." He added: "When it came to the music, Liam, you were the most qualified in every sense. Advertisement "I knew nothing in comparison, I was a novice child with no experience and you were already a professional. "I lost a brother when you left us and can't explain to you what I'd give to just give you a hug one last time and say goodbye to you properly. Read more on the Scottish Sun FESTIVE FIZZ Coca-Cola Christmas truck in Scotland: Dates, locations & all you need to know AND RELAX Scots seaside hotel with outdoor hot tub and firepit named UK's top spa resort "I will cherish all the memories I have with you in my heart forever". Liam is survived by his family, including his sister Ruth, and his seven-year-old son, Bear. Advertisement Tributes to Liam Payne SHOCKED fans, former co-workers, loved ones and friends flooded social media with sad tributes to Liam Payne after news of his death emerged. Harry Styles’ mum Anne was among the first from One Direction's camp to share her reaction, posting a photo of Liam and writing 'Just a boy...' alongside a broken heart emoji. Britain's Got Talent judge Amanda Holden shared an image of the pair together with the words: "Such an awful tragedy. "Sending love to his family and all those who loved him." X Factor star Olly Murs told fans he was "devastated" and "lost for words". He wrote on social media: “Liam shared the same passions as me, the same dreams so to see his life now end so young hits hard, I’m truly gutted and devastated for his Family and of course his son Bear losing a dad x". Liam Gallagher said he was "very sad" and told his followers on X: "Life is precious Kids, you only get to do it once, go easy." Former X Factor presenter Dermot O’Leary has also expressed his shock and spoke on This Morning. He said: “I remember him as a 14-year-old turning up to audition on The X Factor, and blowing us away singing Sinatra. He just loved to sing. “He was always a joy, had time for everyone, polite, grateful, and was always humble.” BBC Radio 2 presenter Zoe Ball reacted to the "devastating news" on her show and told fans she hugged her own son Woody tight this morning. JLS band member Marvin Humes reflected on his memories with the singer, sharing: "I first met Liam in 2008 with the JLS boys whilst auditioning for X Factor..he was 14 years old.. "We instantly clicked and looked at him as a little brother..that year it worked out for us but not for him and then 2 years later he went back to audition and One Direction was born..the rest is history.. "Absolutely heartbroken by the tragic news..Liam you wanted to be a global superstar and you did it bro..just can’t believe that things have ended this way..it’s shocking..my thoughts and prayers are with all your family and friends brother..RIP." Niall Horan's brother Greg shared an emotional tribute to Liam, praising him as a "top young man". He added: "You will be forever missed. Liam, words can’t describe how much I want to grab my brother and mind him now while the world shows their memories of you and him and the boys. "My heart goes out to your family parents and sisters and your son Bear and your 1D brothers. "10th October we met and we started out that evening as 5 families into one big one 1D family thank you for all the laughs bro watch down on all your family and mind them lots of love kiddo x x x 1D 4 LIFE x x x" German DJ Anton Zaslavski , otherwise known as Zedd , has taken to X with a devastated statement. The producer, who worked with Liam on his 2017 hit Get Low, wrote: "RIP Liam... I can’t believe this is real...absolutely heartbreaking..." American singer, Charlie Puth , who was friends with Liam and also collaborated with him on a song called Bedroom Floor, has posted a series of Instagram stories dedicated to him. Alongside photos of the two of them together in their younger days, Charlie wrote: "I am in shock right now. Liam was always so kind to me. "He was one of the first major artists I got to work with. I can not believe he is gone... "I am so upset right now, may he rest in peace. I am so sorry..." Irish singer duo Jedward also took to social media, saying: "RIP Liam Payne. Condolences to friends and family." In another tweet, they added: "Sending strength to Cheryl and his son Bear. And all the One direction Family. RIP Liam Payne." American media personality Paris Hilton shared: "So upsetting to hear the news of Liam Payne passing. Sending love and condolences to his family & loved ones. RIP my friend." ITV weather presenter Alex Beresford shared a news video about Liam's tragic death on Instagram, adding: "Can't believe this! RIP Liam." Meanwhile Love Island star Molly Marsh penned: "I'm so taken aback, rest in peace." James Cordon also paid his own tribute, describing the star as a "loving and kind soul". The Gavin and Stacey actor wrote on Instagram: "Talking about Liam in the past tense is utterly heart-breaking. "I will treasure the moments I got to spend with him. My thoughts are with his family today x." Payne previously appeared on Cordon's The Late Late Show in America. Former Little Mix star Jade Thirwall - who won X Factor with her bandmates one year after One Direction took part - described him as "the first friend I made in this industry". She said: "We fell out of touch as the years went by, but back in 2008 he was the first friend I made in this industry. "Both of us so young, so ambitious, both hoping we'd 'make it'. I hope you are at peace now". Camila Cabello described his death as a "tragedy" and said he "made an impression" on her when she was a young girl. 4 Zayn Malik reunited with his bandmates for the first time since 2015 on WednesdayChiefs top Panthers in Mahomes-led 30-27 road winBATANGAS CITY — The provincial government here distributed generator machines and survival kits to different local government units (LGUs) affected by Severe Tropical Storm Kristine, officially kicking off the province's holiday celebration. In his speech on Saturday night at the annual "Paskuhan" with the theme "Liwanag ng Pagkakaisa" (Light of Unity) at the capitol compound, Gov. Hermilando Mandanas said they dedicate the celebration to all affected Batangueños who are still recovering from the calamity that struck late October. Register to read this story and more for free . Signing up for an account helps us improve your browsing experience. OR See our subscription options.
They said it: A young survivor’s sorrowDALLAS (AP) — The championship vision that led Nathan Eovaldi to sign with Texas as a free agent two years ago is the same one that brought him back to the Rangers. A World Series title in his first season was followed by a losing record this year. “I believe in the guys in the group that we have. We were able to do it in ‘23. I don’t feel a lot has changed,” Eovaldi said Friday, a day after finalizing a $75 million, three-year contract . “We had a down year last year, but I've said it before, you learn a lot from losing seasons.” Eovaldi had declined a $20 million player option to become a free agent again and reaching an agreement during the winter meetings in Dallas. Texas also acquired slugging corner infielder Jake Burger in a swap with Miami. Burger had fallen asleep before getting a call late Tuesday night that he had been traded to Texas, where his family was already planning to move after the October birth of a daughter with Down syndrome. “The other city that is really good other than Nashville in terms of children's hospital and resources for her Downs is in Dallas," Burger said. “Not just from the baseball spectrum, from the life aspect as well ... I feel like it was meant to be, and we couldn’t be more more excited about that.” In the Nashville area, Burger lives close to Rangers manager Bruce Bochy, whom he plans to visit with soon. His former Marlins manager, Skip Schumaker , was hired last month by the Rangers as as a senior adviser for baseball operations, and Luis Urueta, Miami’s bench coach the past two seasons, recently joined Bochy’s on-field coaching staff for 2025. Burger and Rangers pitcher Dane Dunning were once roommates in the Chicago White Sox organization. Burger hit .250 with 29 home runs and 76 RBIs in 137 games for the Marlins last season, when he started 59 games at third base and 50 starts at first. He was with the White Sox in Texas when he got traded to Miami on Aug. 1, 2023, and four days later hit his first homer with the Marlins at Globe Life Field. When the Rangers made the title run in 2023, Eovaldi was 5-0 with a 2.95 ERA in six postseason starts. He was the winning pitcher in their World Series-clinching Game 5 at Arizona. He was also part of Boston’s 2018 title. Eovaldi was 12-8 this year with a 3.80 ERA in 29 starts, the last seven scoreless innings in the regular-season finale. He is 24-13 with a 3.72 ERA in 54 starts for Texas the past two seasons. The new deal for the Texas native, who who turns 35 in February, includes a $12 million signing bonus, half payable on Nov. 15, 2026, and the rest on Jan. 15, 2028, and salaries of $18 million next season, $25 million in 2026 and $20 million in 2027. He gets a full no-trade provision. After being welcomed back by Chris Young, the Rangers president of baseball operations, the pitcher said he never felt like he really left. The Rangers stayed in contact throughout the process after he declined his option Nov. 4. “Kind of listening to the market and everything, I’m extremely happy to be back. I’m glad we were we were able to make it all work out,” Eovaldi said. “We had a lot of teams reach out right away and we were in contact with most them across the league. Ultimately we were able to make it back here.” AP MLB: https://apnews.com/hub/mlb
Ex-Nine chief Hugh Marks appointed new ABC bossFinal regular-season games loom large in determining conference championship matchups
Franklin Resources Inc. boosted its stake in shares of Janux Therapeutics, Inc. ( NASDAQ:JANX – Free Report ) by 64.5% during the third quarter, according to the company in its most recent disclosure with the Securities & Exchange Commission. The firm owned 18,983 shares of the company’s stock after purchasing an additional 7,442 shares during the period. Franklin Resources Inc.’s holdings in Janux Therapeutics were worth $937,000 at the end of the most recent reporting period. A number of other hedge funds also recently made changes to their positions in the stock. Charles Schwab Investment Management Inc. raised its position in shares of Janux Therapeutics by 202.1% in the 3rd quarter. Charles Schwab Investment Management Inc. now owns 234,191 shares of the company’s stock worth $10,639,000 after buying an additional 156,675 shares during the period. Ally Bridge Group NY LLC purchased a new position in shares of Janux Therapeutics in the 3rd quarter worth about $4,943,000. Algert Global LLC acquired a new position in shares of Janux Therapeutics in the 3rd quarter valued at about $1,112,000. FMR LLC grew its holdings in shares of Janux Therapeutics by 0.6% during the 3rd quarter. FMR LLC now owns 7,824,675 shares of the company’s stock worth $355,475,000 after purchasing an additional 47,075 shares during the period. Finally, Neo Ivy Capital Management acquired a new stake in Janux Therapeutics during the 3rd quarter worth approximately $940,000. Institutional investors and hedge funds own 75.39% of the company’s stock. Analyst Upgrades and Downgrades Several equities research analysts have issued reports on JANX shares. Leerink Partnrs upgraded shares of Janux Therapeutics to a “strong-buy” rating in a research note on Friday, November 22nd. HC Wainwright raised their price objective on Janux Therapeutics from $63.00 to $70.00 and gave the company a “buy” rating in a research report on Tuesday, December 3rd. Lifesci Capital upgraded Janux Therapeutics to a “strong-buy” rating in a research note on Friday. Scotiabank increased their target price on Janux Therapeutics from $42.00 to $62.00 and gave the company a “sector perform” rating in a research note on Wednesday, December 4th. Finally, BTIG Research boosted their price target on Janux Therapeutics from $82.00 to $100.00 and gave the stock a “buy” rating in a research report on Tuesday, December 3rd. One research analyst has rated the stock with a hold rating, ten have issued a buy rating and two have issued a strong buy rating to the stock. According to data from MarketBeat.com, Janux Therapeutics presently has a consensus rating of “Buy” and an average target price of $89.90. Insider Buying and Selling at Janux Therapeutics In other Janux Therapeutics news, Director Ra Capital Management, L.P. acquired 1,200,000 shares of the stock in a transaction that occurred on Friday, October 18th. The stock was acquired at an average price of $44.75 per share, with a total value of $53,700,000.00. Following the transaction, the director now directly owns 9,317,246 shares in the company, valued at approximately $416,946,758.50. This represents a 14.78 % increase in their ownership of the stock. The acquisition was disclosed in a filing with the Securities & Exchange Commission, which is accessible through this link . Also, major shareholder Ventures Xi L.P. Avalon sold 958 shares of the stock in a transaction dated Monday, September 30th. The stock was sold at an average price of $46.24, for a total transaction of $44,297.92. Following the sale, the insider now owns 6,887 shares in the company, valued at approximately $318,454.88. This trade represents a 12.21 % decrease in their position. The disclosure for this sale can be found here . Insiders have sold 92,801 shares of company stock worth $5,174,735 over the last quarter. 29.40% of the stock is owned by corporate insiders. Janux Therapeutics Trading Down 1.9 % Shares of NASDAQ:JANX opened at $54.10 on Friday. Janux Therapeutics, Inc. has a 12-month low of $7.79 and a 12-month high of $71.71. The firm has a market cap of $2.84 billion, a PE ratio of -46.24 and a beta of 3.29. The company has a fifty day simple moving average of $54.43 and a 200 day simple moving average of $47.46. Janux Therapeutics ( NASDAQ:JANX – Get Free Report ) last issued its earnings results on Wednesday, November 6th. The company reported ($0.51) earnings per share (EPS) for the quarter, missing analysts’ consensus estimates of ($0.33) by ($0.18). The company had revenue of $0.44 million during the quarter, compared to analyst estimates of $1.50 million. Janux Therapeutics had a negative net margin of 463.91% and a negative return on equity of 10.47%. The business’s revenue was down 82.6% on a year-over-year basis. As a group, equities research analysts forecast that Janux Therapeutics, Inc. will post -1.35 EPS for the current fiscal year. About Janux Therapeutics ( Free Report ) Janux Therapeutics, Inc, a clinical stage biopharmaceutical company, develops immunotherapies based on Tumor Activated T Cell Engagers (TRACTr) and Tumor Activated Immunomodulators (TRACIr) platforms technology to treat patients suffering from cancer. The company's clinical candidates comprise JANX007, a prostate-specific membrane antigen or PSMA-TRACTr, which is in Phase 1 clinical trial in adults for the treatment of metastatic castration-resistant prostate cancer (mCRPC) and the vasculature of other tumors; and JANX008, an epidermal growth factor receptor or EGFR-TRACTr that is in Phase 1 clinical trial for the treatment of multiple solid cancers, including colorectal cancer, squamous cell carcinoma of the head and neck, non-small cell lung cancer, and renal cell carcinoma. Read More Five stocks we like better than Janux Therapeutics Using the MarketBeat Dividend Tax Calculator Buffett Takes the Bait; Berkshire Buys More Oxy in December Should You Add These Warren Buffett Stocks to Your Portfolio? Top 3 ETFs to Hedge Against Inflation in 2025 What Are Trending Stocks? Trending Stocks Explained These 3 Chip Stock Kings Are Still Buys for 2025 Receive News & Ratings for Janux Therapeutics Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Janux Therapeutics and related companies with MarketBeat.com's FREE daily email newsletter .
China advances foreign trade with higher-quality products exported and more imports from LDCs