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WATCH: President Jimmy Carter surprised a family at their home in 1979By 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 .
( MENAFN - GetNews) "Staci Zampa Team - Stamford Real estate Agent at Compass"At Staci Zampa Team - Stamford Real Estate Agent at Compass, we're proud to be a trusted realtor and a dedicated member of the Compass Realtor network, bringing unparalleled expertise and commitment to each client we serve. Our focus is to make buying or selling a home in Stamford an efficient, enjoyable, and successful experience for all our clients In the vibrant and competitive real estate market of Stamford, CT, having the right partner by your side makes all the difference. At Staci Zampa Team - Stamford Real Estate Agent at Compass, we're proud to be a trusted Realtor and a dedicated member of the Compass Realtor network, bringing unparalleled expertise and commitment to each client we serve. Our focus is to make buying or selling a home in Stamford an efficient, enjoyable, and successful experience for all our clients. As a team deeply rooted in the Stamford community, we understand this market's unique features and nuances, allowing us to tailor our services to meet each client's individual needs. Our clients value our dedication to providing the highest service, integrity, and professionalism, making us the top choice among Stamford Realtors. A Commitment to Personalized Real Estate Services We understand that each client is different, with unique goals, preferences, and timelines. Our team focuses on delivering a personalized approach to real estate, starting with an in-depth consultation where we listen closely to your needs. As an experienced Compass Realtor team, we take time to get to know each client, ensuring that we are aligned with your vision, budget, and desired outcomes. 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These insights are critical for buyers seeking competitive pricing information and for sellers looking to maximize their property's value. Compass's sophisticated marketing tools also allow us to create high-quality digital presentations, ensuring each listing reaches the right audience with maximum impact. Local Expertise as a Stamford Realtor Stamford is a diverse city with various neighborhoods, each offering its charm and amenities. As your trusted Stamford Realtor , we bring an in-depth knowledge of the area that goes beyond just listings and prices. Our understanding of Stamford's schools, parks, shopping areas, and lifestyle amenities allows us to provide clients with well-rounded information so they can make informed decisions. Our experience in the Stamford market enables us to identify emerging trends, understand shifts in buyer interest, and provide advice tailored to the Stamford community. 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We handle every detail of the selling process, from preparing the home for the market to executing a strategic marketing plan designed to attract potential buyers. Our experience allows us to position your property to attract interest and maximize its value, resulting in a smooth and successful sale. With our Compass tools, we ensure that each listing is showcased professionally, catching the attention of qualified buyers and selling faster. Why Staci Zampa Team - Stamford Real Estate Agent at Compass is Stamford's Premier Realtor Our team's values of integrity, transparency, and client-first service are what set us apart. We believe that the right Realtor should not only provide expertise but should also be a trusted partner who puts clients' interests first. As a Compass Realtor committed to the Stamford community, we take great pride in maintaining these values with every client we work with. 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The French government appears but certain to collapse later this week after far-right and left-wing parties submitted no-confidence motions on Monday against Prime Minister Michel Barnier. Investors immediately punished French assets as the latest developments plunged the eurozone's second-biggest economy deeper into political crisis, with serious doubt cast over whether the annual budget will be approved. "The French have had enough," Marine Le Pen of the far-right National Rally (RN) told reporters in parliament, saying Barnier, who only became prime minister in early September, had made things worse and needed to be pushed out. "We are proposing a motion of no confidence against the government," she said. Barring a last-minute surprise, Barnier's fragile coalition will be the first French government to be forced out by a no-confidence vote since 1962. RN supports both no-confidence bills RN lawmakers and the left combined have enough votes to topple Barnier, and Le Pen confirmed her party would vote for the left-wing coalition's no-confidence bill on top of the RN's own bill. That vote is likely to be held on Wednesday. Marine Le Pen of the far-right National Rally smiles while in France's National Assembly on Monday. (Michel Euler/The Associated Press) The parties announced their no-confidence motions after Barnier said earlier on Monday that he would try to ram a social security bill through parliament without a vote, as a last-minute concession proved insufficient to win RN's support for the legislation. "Faced with this umpteenth denial of democracy, we will censure the government," said Mathilde Panot of the left-wing France Unbowed. "We are living in political chaos because of Michel Barnier's government and Emmanuel Macron's presidency." France's Macron says leaders shouldn't 'abandon their values' in the face of bad polls The spread between French bonds and the German benchmark widened further and a sell-off in the euro gathered pace. Since Macron called snap elections in early June , France's CAC 40 stock index has dropped nearly 10 per cent. It closed flat on Monday after dropping over one per cent earlier in the day. 'We are at a moment of truth' Barnier urged lawmakers not to back the no-confidence vote. WATCH | Unsetlled political climate after French election: Election results put France in political limbo 5 months ago Duration 2:49 A leftist coalition won the most seats in France’s parliamentary election, but it fell short of a minority. Now, the country has no dominant political bloc, creating uncertainty around what the next government will look like. "We are at a moment of truth.... The French will not forgive us for putting the interests of individuals before the future of the country," he said as he put his government's fate in the hands of the divided parliament which was the result of an inconclusive snap election Macron called in June. Barnier's minority government had relied on RN support for its survival. The budget bill, which seeks to rein in France's spiraling public deficit through 60 billion euros (about $88.5 billion Cdn) in tax hikes and spending cuts, snapped that tenuous link. Barnier's entourage and Le Pen's camp each blamed the other and said they had done all they could to reach a deal and had been open to dialogue. Analysis Macron's election gamble may have blocked the far right. But it didn't dim its appeal A source close to Barnier said the prime minister had made major concessions to Le Pen and that voting to bring down the government would mean losing those gains. "Is she ready to sacrifice all the wins she got?" the source told Reuters. No snap elections before July If the no-confidence vote does indeed go through, Barnier would have to tender his resignation but Macron may ask him and his government to stay on in a caretaker role to handle day-to-day business while he seeks a new prime minister, which could well happen only next year. French President Emmanuel Macron — shown above at a recent press conference — will have to consider his options if the government led by Prime Minister Barnier collapses as a result of a pair of non-confidence motions it is facing. (Sarah Meyssonnier/AFP/Getty Images) One option would be for Macron to name a government of technocrats with no political program, hoping that could help survive a no-confidence vote. In any case, there can be no new snap parliamentary elections before July. As far as the budget is concerned, if parliament has not adopted it by Dec. 20, the caretaker government could invoke constitutional powers to pass it by ordinance. French election sees leftists gain, far right slide and a hung parliament However, that would be risky as there is a legal grey area about whether a caretaker government can use such powers. And that would be sure to trigger uproar from the opposition. A more likely move would be for the caretaker government to propose special emergency legislation to roll over spending limits and tax provisions from this year. But that would mean that savings measures Barnier had planned would fall by the wayside.Which supermarket sells the best bottle of red wine? I found out for Christmas
