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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. OK, but let’s start with bonus rewards 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. Instant credit access 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. Convenience and safety 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 .Violent Venezuelan gang members expanding operations in Midwest
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 .New Delhi: The decisive India-US civil nuclear deal by Prime Minister Manmohan Singh changed the course of ties between the two countries, which had for decades dealt with one another with a level of suspicion. While many in India have noted the late leader’s contribution to improving ties with America, tributes have come from Washington since his demise on 26 December. US President Joseph Biden, in his statement Friday, called Singh a “true statesman”. Biden highlighted the efforts of the late prime minister in promoting the India-US civil nuclear deal, adding that the level of cooperation seen today between the two countries would not have been possible without the efforts of Singh. “The unprecedented level of cooperation between the United States and India today would not have been possible without the Prime Minister’s strategic vision and political courage. From forging the U.S.-India Civil Nuclear Agreement to help launch the first Quad between Indo-Pacific partners, he charted pathbreaking progress that will continue to strengthen our nations—and the world—for generations to come,” said Biden in his statement published by the White House. “As we discussed then, the U.S.-India relationship is among the most consequential in the world. And together, as partners and friends, our nations can unlock a future of dignity and unlimited potential for all of our people.” Biden is not the first American leader to highlight the efforts of Singh in ensuring that the civil nuclear deal would be signed. The civil nuclear deal, also known as the 1-2-3 agreement, which was first announced in 2005, was signed in 2008. However, the Singh-led United Progressive Alliance (UPA) coalition at the time faced revolt from the four Left parties, which had been supporting the government with their 60-odd Members of Parliament. The late prime minister staked his government’s future on the deal, and was able to survive the confidence motion in July 2008, despite the loss of support from the Left parties. The deal would see India’s civil nuclear programme come under the safeguards of the International Atomic Energy Agency (IAEA), in-exchange for a waiver from the Nuclear Suppliers Group (NSG). The NSG waiver would allow India access to civilian nuclear technology and fuel from the members of the group. India is the only non-member of the Nuclear Non-Proliferation Treaty (NPT) to receive this waiver. Subsequently to the India-US deal, New Delhi signed a raft of civil nuclear agreements with countries, including France, Russia, the UK, Canada and Kazakhstan. “Dr. Singh was one of the greatest champions of the U.S.-India strategic partnership, and his work laid the foundation for much of what our countries have accomplished together in the past two decades. His leadership in advancing the U.S.-India Civil Nuclear Cooperation Agreement signified a major investment in the potential of the U.S.-India relationship,” said Antony J. Blinken, the US Secretary of State in his condolence message. Condoleezza Rice, the US Secretary of State, between 2005 and 2009, when the deal was being negotiated and finalised, also described the role that Singh essayed in improving the ties between New Delhi and Washington D.C. “I am very saddened to learn of the passing of India’s former Prime Minister Manmohan Singh – a great man and a great leader who helped to put US-Indian relations on a fundamentally new footing with the landmark US-India Civilian Nuclear Agreement of 2008,” Rice said in a post on the social media platform ‘X’. Prime Minister Singh, she said, risked his political future and then remade his government to gain the support needed to secure a deal that would ultimately change the geopolitical trajectory of the region and have far reaching implications for decades to come. The India-US ties have grown from strength to strength in the past two decades. In 2023, the two countries launched the Initiative on Critical and Emerging Technologies (iCET), led at the National Security Adviser level, cutting across all fields of technological cooperation. Defence ties have deepened, while the US has been one of India’s largest trading partners for the last five years. (Edited by Tony Rai) Also Read: Manmohan Singh’s legacy in international negotiations set the stage for India’s current foreign policy var ytflag = 0;var myListener = function() {document.removeEventListener('mousemove', myListener, false);lazyloadmyframes();};document.addEventListener('mousemove', myListener, false);window.addEventListener('scroll', function() {if (ytflag == 0) {lazyloadmyframes();ytflag = 1;}});function lazyloadmyframes() {var ytv = document.getElementsByClassName("klazyiframe");for (var i = 0; i < ytv.length; i++) {ytv[i].src = ytv[i].getAttribute('data-src');}} Save my name, email, and website in this browser for the next time I comment. Δ document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() );ANN ARBOR, Mich. (AP) — Michigan's defense of the national championship has fallen woefully short. The Wolverines started the season ranked No. 9 in the AP Top 25 , making them the third college football team since 1991 to be ranked worse than seventh in the preseason poll after winning a national title. Michigan (6-5, 4-4 Big Ten) failed to meet those modest expectations, barely becoming eligible to play in a bowl and putting the program in danger of losing six or seven games for the first time since the Brady Hoke era ended a decade ago. The Wolverines potentially can ease some of the pain with a win against rival and second-ranked Ohio State (10-1, 7-1, No. 2 CFP) on Saturday in the Horseshoe, but that would be a stunning upset. Ohio State is a 21 1/2-point favorite, according to the BetMGM Sportsbook, and that marks just the third time this century that there has been a spread of at least 20 1/2 points in what is known as “The Game.” Michigan coach Sherrone Moore doesn't sound like someone who is motivating players with an underdog mentality. “I don’t think none of that matters in this game,” Moore said Monday. “It doesn’t matter the records. It doesn’t matter anything. The spread, that doesn’t matter.” How did Michigan end up with a relative mess of a season on the field, coming off its first national title since 1997? Winning it all with a coach and star player contemplating being in the NFL for the 2024 season seemed to have unintended consequences for the current squad. The Wolverines closed the College Football Playoff with a win over Washington on Jan. 8; several days later quarterback J.J. McCarthy announced he was skipping his senior season; and it took more than another week for Jim Harbaugh to bolt to coach the Los Angeles Chargers. In the meantime, most quality quarterbacks wanting to transfer had already enrolled at other schools and Moore was left with lackluster options. Davis Warren beat out Alex Orji to be the team's quarterback for the opener and later lost the job to Orji only to get it back again. No matter who was under center, however, would've likely struggled this year behind an offensive line that sent six players to the NFL. The Wolverines lost one of their top players on defense, safety Rod Moore, to a season-ending injury last spring and another one, preseason All-America cornerback Will Johnson, hasn't played in more than a month because of an injury. The Buckeyes are not planning to show any mercy after losing three straight in the series. “We’re going to attack them," Ohio State defensive end Jack Sawyer said. “We know they’re going to come in here swinging, too, and they’ve still got a good team even though the record doesn’t indicate it. This game, it never matters what the records are." While a win would not suddenly make the Wolverines' season a success, it could help Moore build some momentum a week after top-rated freshman quarterback Bryce Underwood flipped his commitment from LSU to Michigan. “You come to Michigan to beat Ohio,” said defensive back Quinten Johnson, intentionally leaving the word State out when referring to the rival. "That's one of the pillars of the Michigan football program. “It doesn’t necessarily change the fact of where we are in the season, but it definitely is one of the defining moments of your career here at Michigan.” AP Sports Writer Mitch Stacy in Columbus, Ohio, contributed to this report. Get alerts on the latest AP Top 25 poll throughout the season. Sign up here . AP college football: https://apnews.com/hub/college-football and https://apnews.com/hub/ap-top-25-college-football-poll
SCOTTSDALE, Ariz. — Nick Singleton will decide whether to return to Penn State for his senior year or make himself available for the NFL draft whenever this season ends. Singleton has many factors to consider, including financial ones. But he believes he can work on much in his game if he does come back. “Everything,” he said Sunday. “There’s no one thing that I’m finished working on. There’s stuff I can work on. Running the ball. Catching the ball out of the backfield. Running different routes. Not just running back routes. Blocking, too. “We always talk about beating safeties one-on-one. I want to work on making safeties miss when I get the opportunity,” he said. Singleton is playing his best football of the season going into the College Football Playoff quarterfinal against Boise State in the Fiesta Bowl at 7:30 p.m. Tuesday (TV-ESPN). He ran for 282 yards and scored four touchdowns in the Nittany Lions’ last three games. He leads them with 928 rushing yards and eight TDs and is third in receptions, with 39 for 342 yards and five TDs. He’s also enjoying his best health since early in the season. “We’re starting to see Nick as the running back we envisioned,” Penn State assistant coach Ja’Juan Seider said. “He’s playing the game using different paces. He’s setting up blocks better. He’s starting to show that in the last four or five weeks. “He’s starting to really understand who he is as a running back,” he said. “This kid is starting to be really, really good. He’s always been good, but now he’s being special good.” Since his arrival from Gov. Mifflin as the top high school player in the country, Singleton has made quantum leaps in his receiving and pass blocking. During a stretch against Illinois in September, he made a crushing block on a linebacker to protect quarterback Drew Allar and ran over a defender after catching a pass. The two plays prompted Seider to jump up and down on the sideline. “Those are the ways his game has evolved,” Seider said. “He wasn’t a natural receiver his freshman year. We wouldn’t even throw it to him. Now he’s becoming more adept. I’m really proud of that evolution in his game.” Singleton’s leadership also is valuable, especially as a role model to freshmen Corey Smith and Quinton Martin. Although he doesn’t say much, teammates listen when he speaks. “Early on, Nick wasn’t going to talk a lot,” Seider said. “The new Nick, the junior year Nick, has matured. Now Nick will talk. Nick is having fun. Now he understands how to lead. “Nick’s work ethic is like a walk-on trying to be noticed,” he said. “To this day, he’s going to finish every wind sprint first. He’s probably the strongest kid on our team pound for pound. He doesn’t take short cuts. That’s what makes Nick the player he is.” Singleton has a chance to become the first Penn State back with multiple 1,000-yard rushing seasons since Saquon Barkley in 2016-17. He’s averaging 6.4 yards per carry and thriving under first-year offensive coordinator Andy Kotelnicki. He and backfield mate Kaytron Allen have rushed for almost 400 yards the last two games against Oregon and SMU. “They’re so complementary to each other in terms of their skill sets and how we use them,” Kotelnicki said. “They’re impact players. Part of my responsibility is making sure the impact players get the ball. They’re both playing football at the highest level they have this year.” Singleton has been projected to be taken anywhere between the second and fourth round if he enters the 2025 NFL draft. His focus has always been to be the best, so being a first-round pick is important to him. “I always strive for that,” he said. “Coach Seider always says, ‘If you come to Penn State to play running back, you don’t want to go in the second or third round.’ That’s not bad, but you always try to accomplish going in the first round.”
MGIC Investment stock hits 52-week high at $26.53 amid growthAnalysis: Protecting QBs from violent late hits like the one that leveled Trevor Lawrence isn't easy
BEIRUT (AP) — Syria’s de facto leader said Sunday it could take up to four years to hold elections in Syria, and that he plans to dissolve his Islamist group that led the country’s insurgency at an anticipated national dialogue summit for the country. Ahmad al-Sharaa, who leads Hayat Tahrir al-Sham, the group leading the new authority in Syria, made the remarks in an interview with Saudi television network Al-Arabiyya. It comes almost a month after a lightning insurgency led by HTS overthrew President Bashar Assad’s decades-long rule, ending the country’s uprising-turned civil war that started back in 2011. Al-Sharaa said it would take time to hold elections because of the need for Syria’s different forces to hold political dialogue and rewrite the country’s constitution following five decades of the Assad dynasty’s dictatorial rule. Also, the war-torn country’s battered infrastructure needs to be reconstructed, he said. “The chance we have today doesn’t come every 5 or 10 years,” said al-Sharaa, formerly known as Abu Mohammed al-Golani. “We want the constitution to last for the longest time possible.” Al-Sharaa is Syria’s de facto leader until March 1, when Syria’s different factions are set to hold a political dialogue to determine the country’s political future and establish a transitional government that brings the divided country together. There, he said, HTS will dissolve after years of being the country’s most dominant rebel group that held a strategic enclave in the country’s northwest. Earlier, an Israeli airstrike in the outskirts of Damascus on Sunday killed 11 people, according to a war monitor, as Israel continues to target Syrian weapons and military infrastructure even after the ouster of Assad. The Britain-based Syrian Observatory for Human Rights said the airstrike targeted a weapons depot that belonged to Assad’s forces near the industrial town of Adra, northeast of the capital. The observatory said at least 11 people, mostly civilians, were killed. The Israeli military did not comment on the airstrike Sunday. Israel, which has launched hundreds of airstrikes over Syria since the country’s uprising turned-civil war broke out in 2011, rarely acknowledges them. It says its targets are Iran-backed groups that backed Assad. Unlike his criticism of key Assad ally Iran, al-Sharaa hoped to maintain “strategic relations” with Russia, whose air force played a critical role in keeping Assad in power for over a decade during the conflict. Moscow has a strategic airbase in Syria. The HTS leader also said negotiations are ongoing with the Kurdish-led Syrian Democratic Forces in northeastern Syria, and hopes that their armed forces will integrate with the Syrian security agencies. The Kurdish-led group is Washington’s key ally in Syria, where it is heavily involved in targeting sleeper cells belonging to the extremist Islamic State group. Turkish-backed Syrian rebels have been clashing with the SDF even after the insurgency, taking the key city of Manbij, as Ankara hopes to create a buffer zone near its border in northern Syria. The rebels attacked near the strategic northern border town of Kobani, while the SDF shared a video of a rocket attack that destroyed what it said was a radar system south of the city of Manbij. In other developments: — Syrian state-run media said a mass grave was found near the third largest city of Homs. SANA said civil defense workers were sent to to the site in al-Kabo, one of many suspected mass graves where tens of thousands of Syrians are believed to have been buried during a brutal crackdown under Assad and his network of security agencies. — An Egyptian activist wanted by Cairo on charges of incitement to violence and terrorism, Abdulrahman al-Qardawi, was detained by Lebanese security forces after crossing the porous border from Syria, according to two judicial and one security officials who spoke on condition of anonymity because they were not authorized to to talk to the press. Al-Qardawi is an Egyptian activist residing in Turkey and an outspoken critic of Egypt’s government. He had reportedly visited Syria to join celebrations after Assad’s downfall. His late father, Youssef al-Qaradawi, was a top and controversial Egyptian cleric revered by the outlawed Muslim Brotherhood. He had lived in exile in Qatar for decades. — Lebanese security forces apprehended an armed group in the northern city of Tripoli that kidnapped a group of 26 Syrians who were recently smuggled into Lebanon, two Lebanese security officials said on condition of anonymity because they were not authorized to share the information with the media. The Syrians included five women and seven children, and security officials are working to return them to Syria.NoneBy Keith Laing | Bloomberg California Governor Gavin Newsom is promising to step in with a state electric-car tax credit if US President-elect Donald Trump repeals a federal subsidy after he takes office next year. Newsom, a prominent Democrat and frequent critic of Republican politics, said in a statement Monday that he will propose rebooting a program California phased out in 2023 to provide EV buyers relief in lieu of a $7,500 tax credit targeted by Trump. Trump has long criticized President Joe Biden administration’s efforts to subsidize electric vehicles in a bid to boost adoption of cleaner cars. His transition team is now looking to slash fuel-efficiency requirements for new cars and light trucks as part of plans to unwind Biden policies the president-elect has blasted as an “EV mandate,” Bloomberg News reported last week. California clashed with Trump frequently on auto emission regulations during the incoming president’s first term, and the state’s leaders have made clear they are now girding for another fight. Newsom already has sought to shield the state’s policies on issues including reproductive rights, climate and immigration from potential threats under a Trump administration. California, as well as states including Oregon and Colorado, currently are exempt from rules that preempt them from enacting their own emissions standards for new vehicles. More than a dozen states representing more than a third of the US auto market now have formally opted to follow California’s rules. Trump in his first term targeted California’s right to set tougher gas mileage rules than the federal government. He is expected to make another attempt to roll back the California carve out under the 1970 Clean Air Act after taking office in January. Tesla said last week it’s reached a “conditional” settlement in its 2020 lawsuit accusing Irvine-based Rivian Automotive of poaching employees to steal electric-vehicle trade secrets. Tesla didn’t disclose specifics about the agreement in a court filing, but told a California state judge that it expects to seek dismissal of the case by Dec. 24 upon satisfactory completion of the terms. Rivian declined to comment. A lawyer for Tesla didn’t immediately respond to a request for comment. The dispute kicked off more than four years ago when Elon Musk’s electric-vehicle maker accused Rivian of an “alarming pattern” of poaching its employees and stealing trade secrets. Some workers were “caught red-handed” misappropriating core technology for its next-generation batteries, Tesla later said. Rivian has denied wrongdoing and criticized the lawsuit as an effort to suppress competition in the EV market. Rivian and a group of its employees who defected from Tesla lost bids to get the lawsuit thrown out and a trial was set for March. —Malathi Nayak at Bloomberg contributed to this report. Related Articles
Feds suspend ACA marketplace access to companies accused of falsely promising ‘cash cards’Lisa Jarvis In a new study, an experimental obesity drug from Novo Nordisk called CagriSema allowed people to lose more than 20% of their body weight, on average, a result that caused the Danish company’s stock price to fall by as much as 29%. Yes, fall. For anyone not closely following the heated race for obesity drug dominance (there must be a few of you left?), it might look like we’re living in the upside-down. After all, if these same data were unveiled just three years ago, the market reaction would have been wildly different. The stock might have gone up and headlines would have heralded an advance in the fight against obesity. But we’re in a new era of obesity medicine. The bar for success, once quite modest, has quickly gotten extraordinarily high — especially so for CagriSema. Let me explain. Although Novo will still make a mind-blowing amount of money from its existing obesity drugs in the coming years (its collection of GLP-1 drugs is likely to become the most lucrative franchise in the industry next year), CagriSema was seen as essential for continued growth in 2030 and beyond. And the study results suggest it might not be the contender investors had hoped for. CagriSema is a combination of the GLP-1 agonist semaglutide, the ingredient found in Novo’s Ozempic and Wegovy, and cagrilintide, which mimics two hormones, amylin and calcitonin, that also help control feelings of satiety. So far, we only have top-line results rather than an in-depth analysis provided by a peer-reviewed journal article. But the headline is that CagriSema allowed people to lose 20.4% of their body weight on average — better than Wegovy, but about on par with what people can already achieve with Eli Lilly’s Zepbound. And the results fell below the 25% target Novo itself had dangled before investors as the trial’s likely outcome. Another reason investors reacted with such negativity is that the limited data suggests side effects might be hampering the drug’s full potential. The 68-week study gave participants the flexibility to control the dosage of the drug, and among those who were taking a higher dose by the end of the study, average weight loss was nearly 23%. But just 57% of participants stuck with the highest dose, leading investors to assume many took a step back to help manage common gastrointestinal side effects. (Though, to be clear, that’s still a guess — we need the full data to know for sure.) Meanwhile, people enrolled in the study who were given either semaglutide or cagrilintide alone were more likely to tolerate that higher dose. Cagrisema is one of a wave of treatments in development that each take a different twist on mimicking naturally occurring hormones that control blood sugar and a feeling of fullness. Companies are exploring different combinations of hormones, as well as differing approaches to tuning their activity. Each study on a new combination is intensely scrutinized to try to determine the best way forward in obesity medicine. And it’s not only about which causes the most weight loss. It’s also about controlling other health indicators, whether that’s blood sugar control or improved cholesterol levels. After Novo’s perceived stumble, stocks for companies developing alternatives, like Amgen, Viking Therapeutics and Structure Therapeutics, all saw modest gains. Lilly has been the biggest beneficiary from Novo’s disappointment. But then, it already had the upper hand. Earlier this month, Lilly said that Zepbound handily beat Wegovy in a head-to-head trial of the two drugs, with its drug offering 20% weight loss compared with Wegovy’s 14%. And CagriSema’s strong (but seemingly not strong enough) efficacy leaves more room for Lilly’s next-generation obesity drug, retatrutide. Moreover, earlier this week, the Food and Drug Administration said supply issues for Zepbound were finally resolved, a situation that should in theory shut down the market for the compounded version of the drug by early 2025. That could force people to shift onto either Zepbound or Wegovy. Yet today’s stock drop also reflects a bevy of issues weighing on Novo’s future. Under the Inflation Reduction Act, Medicare is empowered to negotiate prices on certain drugs, and semaglutide is widely expected to be on its wish list for 2025 (negotiated prices wouldn’t kick in until 2027). And generics could be coming in the early 2030s, Bloomberg Intelligence noted Friday morning. Between those two issues, “the underwhelming result will likely pressure consensus, which sees the asset driving almost 20% of Novo’s sales in 2030,” Bloomberg Intelligence analysts said following the news. That will put added scrutiny on another nascent product, amycretin, which still is only in the early stages of clinical trials, they noted. Investors will no doubt continue to parse each scrap of data that comes out from companies developing obesity drugs to understand who will reap the most benefits from a market expected to be worth $130 billion in the next five years. But as stock prices fluctuate, it’s important to remember who the real winners should be: the tens of millions of Americans with obesity and related chronic health problems who need and deserve affordable treatments. Lisa Jarvis is a Bloomberg Opinion columnist covering biotech, health care and the pharmaceutical industry. Previously, she was executive editor of Chemical & Engineering News.Georgia's new president sworn in amid political showdown
The Automotive Embedded Software Development Service Market will Grow at 102.09 USD Billion Market Size by 2032 11-24-2024 11:49 AM CET | Advertising, Media Consulting, Marketing Research Press release from: WiseGuy Reports Automotive Embedded Software Development Service Market Size was estimated at 43.93 (USD Billion) in 2023. The Automotive Embedded Software Development Service Market Industry is expected to grow from 48.25(USD Billion) in 2024 to 102.09 (USD Billion) by 2032. The Automotive Embedded Software Development Service Market CAGR (growth rate) is expected to be around 9.83% during the forecast period (2025 - 2032). The automotive industry is undergoing a digital transformation, with embedded software playing a critical role in modern vehicle innovation. The Automotive Embedded Software Development Service Market is experiencing robust growth, driven by the increasing demand for connected, autonomous, and electrified vehicles. Embedded software, which manages the operation of hardware systems in vehicles, has become indispensable for achieving advanced functionalities like ADAS (Advanced Driver Assistance Systems), infotainment, and vehicle-to-everything (V2X) communication. Automakers and technology firms are heavily investing in software services to enhance vehicle performance, safety, and user experience, marking a shift from hardware-centric to software-defined vehicles. Request Sample Report at; https://www.wiseguyreports.com/sample-request?id=602790 Key Market Drivers and Trends The rapid adoption of autonomous and semi-autonomous vehicles is a significant driver for the market. Embedded software is integral to processing sensor data, decision-making algorithms, and navigation systems, which are crucial for self-driving capabilities. Additionally, the growth of electric vehicles (EVs) has accelerated the demand for embedded software to manage battery systems, energy efficiency, and thermal management. Another trend shaping the market is the integration of IoT (Internet of Things) in automotive systems, enabling real-time data exchange and predictive maintenance. These developments require sophisticated software solutions, increasing reliance on third-party embedded software services. Challenges and Opportunities While the market is poised for growth, it faces challenges such as cybersecurity risks, software complexity, and compliance with stringent automotive safety standards like ISO 26262. However, these challenges also create opportunities for service providers specializing in secure and reliable software solutions. As vehicles become increasingly connected, safeguarding against cyber threats is a top priority, leading to heightened demand for embedded software with robust security features. Moreover, the shift toward over-the-air (OTA) updates enables continuous improvement and bug fixes, fostering partnerships between automakers and software service providers. Regional Market Insights The Automotive Embedded Software Development Service Market is growing globally, with significant contributions from North America, Europe, and Asia-Pacific. North America leads in innovation, driven by the presence of technology giants and startups focusing on autonomous driving. Europe is a hub for automotive manufacturers, emphasizing sustainability and compliance with stringent emissions standards, boosting demand for efficient embedded software. Asia-Pacific, led by countries like China, Japan, and South Korea, is witnessing rapid growth due to rising EV adoption and government incentives for smart transportation systems. Key Companies in the Automotive Embedded Software Development Service Market Include: •LG Electronics •Hitachi Automotive System •Denso Corporation •NXP Semiconductors •Infineon Technologies AG •Continental AG •Texas Instruments •Aptiv PLC •Qualcomm Incorporated •STMicroelectronics •Nvidia Corporation •Robert Bosch GmbH •Delphi Technologies •Renesas Electronics Corporation •Samsung Electronics Access Complete PDF of this report at; https://www.wiseguyreports.com/reports/automotive-embedded-software-development-service-market Competitive Landscape The market is highly competitive, with key players including Bosch, Continental AG, Siemens, and KPIT Technologies. These companies are investing in R&D to provide cutting-edge solutions tailored to emerging vehicle technologies. Partnerships and collaborations between automakers and software firms are also becoming commonplace to bridge the gap between traditional automotive engineering and software development expertise. Startups focusing on AI-driven software solutions and cybersecurity are gaining traction, further intensifying competition. Future Outlook The future of the Automotive Embedded Software Development Service Market looks promising, with significant growth expected over the next decade. The rise of mobility-as-a-service (MaaS), autonomous fleets, and vehicle personalization will continue to drive innovation in embedded software. Additionally, advancements in machine learning and artificial intelligence are likely to enhance the capabilities of automotive software, making vehicles smarter and more efficient. As the industry transitions to software-defined vehicles, the demand for skilled service providers will rise, making this a dynamic and lucrative sector in the automotive ecosystem. In conclusion, the market for automotive embedded software development services is set to thrive, supported by technological advancements, regulatory pressures, and evolving consumer expectations. Companies that adapt to these trends and focus on innovation, security, and reliability will be well-positioned to capitalize on this growing market. Explore More; automotive wireless power transmission systems market https://www.wiseguyreports.com/reports/automotive-wireless-power-transmission-systems-market brake pads and brake shoes for commercial vehicle market https://www.wiseguyreports.com/reports/brake-pads-and-brake-shoes-for-commercial-vehicle-market Cargo Handling Equipment Vehicle Market https://www.wiseguyreports.com/reports/cargo-handling-equipment-vehicle-market cmos image sensor for automotive cameras market https://www.wiseguyreports.com/reports/cmos-image-sensor-for-automotive-cameras-market commercial vehicle accelerator pedal sensor market https://www.wiseguyreports.com/reports/commercial-vehicle-accelerator-pedal-sensor-market cruise ship stabilizer market https://www.wiseguyreports.com/reports/cruise-ship-stabilizer-market heavy duty truck electrification market https://www.wiseguyreports.com/reports/heavy-duty-truck-electrification-market high end leather car upholstery market https://www.wiseguyreports.com/reports/high-end-leather-car-upholstery-market iron cores for passenger car motor market https://www.wiseguyreports.com/reports/iron-cores-for-passenger-car-motor-market Kids Indoor Karting Market https://www.wiseguyreports.com/reports/kids-indoor-karting-market Contact Us: WiseGuy Reports Pune Maharashtra, India 411028 +91 20 6912 2998 | +162 825 80070 (US) | +44 203 500 2763 (UK) About US: Wise Guy Reports is pleased to introduce itself as a leading provider of insightful market research solutions that adapt to the ever-changing demands of businesses around the globe. We want our clients to have information that can be used to act upon their strategic initiatives. We, therefore, aim to be your trustworthy partner within dynamic business settings through excellence and innovation. By offering comprehensive market intelligence, our company enables corporate organizations to make informed choices, drive growth, and stay ahead in competitive markets. This release was published on openPR.
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Victory Capital Management Inc. increased its position in shares of Carpenter Technology Co. ( NYSE:CRS – Free Report ) by 54.1% in the 3rd quarter, according to the company in its most recent filing with the Securities and Exchange Commission. The firm owned 23,068 shares of the basic materials company’s stock after buying an additional 8,095 shares during the period. Victory Capital Management Inc.’s holdings in Carpenter Technology were worth $3,681,000 at the end of the most recent reporting period. Several other large investors have also modified their holdings of the company. GSA Capital Partners LLP bought a new stake in shares of Carpenter Technology during the 3rd quarter worth $2,214,000. Entropy Technologies LP raised its stake in Carpenter Technology by 325.8% during the 3rd quarter. Entropy Technologies LP now owns 13,578 shares of the basic materials company’s stock valued at $2,167,000 after purchasing an additional 10,389 shares during the last quarter. WCM Investment Management LLC acquired a new position in Carpenter Technology during the 3rd quarter valued at $18,868,000. Versor Investments LP raised its stake in Carpenter Technology by 19.0% during the 3rd quarter. Versor Investments LP now owns 2,669 shares of the basic materials company’s stock valued at $426,000 after purchasing an additional 427 shares during the last quarter. Finally, Lisanti Capital Growth LLC raised its stake in Carpenter Technology by 29.3% during the 3rd quarter. Lisanti Capital Growth LLC now owns 49,315 shares of the basic materials company’s stock valued at $7,870,000 after purchasing an additional 11,180 shares during the last quarter. 92.03% of the stock is owned by institutional investors. Carpenter Technology Trading Up 5.7 % Shares of CRS stock opened at $190.97 on Friday. Carpenter Technology Co. has a 52-week low of $58.87 and a 52-week high of $192.34. The stock has a market cap of $9.52 billion, a price-to-earnings ratio of 42.53, a P/E/G ratio of 0.92 and a beta of 1.46. The company has a debt-to-equity ratio of 0.42, a quick ratio of 2.00 and a current ratio of 3.84. The firm has a fifty day moving average of $162.86 and a 200-day moving average of $135.60. Carpenter Technology Announces Dividend The company also recently announced a quarterly dividend, which will be paid on Thursday, December 5th. Investors of record on Tuesday, October 22nd will be given a dividend of $0.20 per share. This represents a $0.80 dividend on an annualized basis and a dividend yield of 0.42%. The ex-dividend date of this dividend is Tuesday, October 22nd. Carpenter Technology’s dividend payout ratio (DPR) is currently 17.82%. Wall Street Analysts Forecast Growth Several equities analysts recently commented on the stock. BTIG Research upped their target price on shares of Carpenter Technology from $120.00 to $165.00 and gave the company a “buy” rating in a research note on Tuesday, July 30th. Benchmark reiterated a “buy” rating and set a $175.00 target price on shares of Carpenter Technology in a research note on Friday, October 25th. Finally, JPMorgan Chase & Co. assumed coverage on shares of Carpenter Technology in a research note on Friday. They set an “overweight” rating and a $220.00 target price for the company. One analyst has rated the stock with a sell rating and five have assigned a buy rating to the company’s stock. According to data from MarketBeat.com, Carpenter Technology has an average rating of “Moderate Buy” and an average price target of $153.00. Check Out Our Latest Stock Analysis on CRS Carpenter Technology Company Profile ( Free Report ) Carpenter Technology Corporation engages in the manufacture, fabrication, and distribution of specialty metals in the United States, Europe, the Asia Pacific, Mexico, Canada, and internationally. It operates in two segments, Specialty Alloys Operations and Performance Engineered Products. The company offers specialty alloys, including titanium alloys, powder metals, stainless steels, alloy steels, and tool steels, as well as additives, and metal powders and parts. See Also Five stocks we like better than Carpenter Technology How Can Investors Benefit From After-Hours Trading Vertiv’s Cool Tech Makes Its Stock Red-Hot Stock Market Upgrades: What Are They? MarketBeat Week in Review – 11/18 – 11/22 The How And Why of Investing in Oil Stocks 2 Finance Stocks With Competitive Advantages You Can’t Ignore Want to see what other hedge funds are holding CRS? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for Carpenter Technology Co. ( NYSE:CRS – Free Report ). Receive News & Ratings for Carpenter Technology Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Carpenter Technology and related companies with MarketBeat.com's FREE daily email newsletter .Shore Capital reiterated their hold rating on shares of XPS Pensions Group ( LON:XPS – Free Report ) in a research report report published on Thursday morning, MarketBeat reports. Separately, Canaccord Genuity Group reiterated a “buy” rating and issued a GBX 332 ($4.16) price objective on shares of XPS Pensions Group in a research note on Wednesday, October 16th. One equities research analyst has rated the stock with a hold rating and four have assigned a buy rating to the company’s stock. Based on data from MarketBeat, XPS Pensions Group presently has an average rating of “Moderate Buy” and an average price target of GBX 356.50 ($4.47). Get Our Latest Report on XPS XPS Pensions Group Stock Performance XPS Pensions Group Cuts Dividend The firm also recently disclosed a dividend, which will be paid on Friday, February 7th. Shareholders of record on Thursday, January 9th will be paid a GBX 3.70 ($0.05) dividend. This represents a yield of 1.03%. The ex-dividend date is Thursday, January 9th. XPS Pensions Group’s dividend payout ratio is currently 4,000.00%. Insider Transactions at XPS Pensions Group In other news, insider Snehal Shah sold 66,830 shares of the stock in a transaction that occurred on Wednesday, October 16th. The shares were sold at an average price of GBX 335 ($4.20), for a total transaction of £223,880.50 ($280,657.52). Also, insider Alan Bannatyne purchased 13,033 shares of the stock in a transaction that occurred on Thursday, November 21st. The stock was bought at an average cost of GBX 349 ($4.38) per share, with a total value of £45,485.17 ($57,020.40). Company insiders own 5.14% of the company’s stock. XPS Pensions Group Company Profile ( Get Free Report ) XPS Pensions Group plc, together with its subsidiaries, provides employee benefit consultancy and related business services in the United Kingdom. It offers pension advisory; independent consultancy; DB master trust schemes; and self-invested personal pension (SIPP) and SSAS pension services. The company also provides pension administer services, such as payroll, scheme administration, outsourcing, payroll, scheme accounting, and scam identification and protection services, as well as member communication, de-risking projects, GMP equalization, data audits and cleansing, and trustee secretarial services. Featured Stories Receive News & Ratings for XPS Pensions Group Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for XPS Pensions Group and related companies with MarketBeat.com's FREE daily email newsletter .
Kash Patel was a nobody in Miami before he became a somebody in Trump’s world. Patel was named over the weekend by President-elect Donald Trump as his nominee for FBI director. Known as a firebrand Trump loyalist, he got his start as a young lawyer in the state and federal public defender’s offices in Miami. After graduating from Pace University School of Law in his native New York in 2005, Patel learned to be a trial attorney representing indigent defendants in dozens of robbery, drug-trafficking and violent-crime cases in Miami until 2013. But to those who knew him during his eight years in Miami, there was nothing distinctive about the 44-year-old Patel — certainly not a hint of an aptitude for being named as the top law enforcement officer in the country. For the full story, please visit miamiherald.comMichigan's defense of national title fell short, aims to cap lost season with win against Ohio State