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NEW YORK (AP) — More shoppers than ever are on track to use ‘buy now, pay later’ plans this holiday season, as the ability to spread out payments looks attractive at a time when Americans still feel the lingering effect of inflation and already have record-high credit card debt. The data firm Adobe Analytics predicts shoppers will spend 11.4% more this holiday season using buy now, pay later than they did a year ago. The company forecasts shoppers will purchase $18.5 billion worth of goods using the third-party services for the period Nov. 1 to Dec. 31, with $993 million worth of purchases on Cyber Monday alone. Buy now, pay later can be particularly appealing to consumers who have low credit scores or no credit history, such as younger shoppers, because most of the companies providing the service run only soft credit checks and don’t report the loans and payment histories to the credit bureaus, unlike credit card companies. This holiday season, buy now, pay later users can also feel more confident if a transaction goes awry. In May, the CFPB said buy now, pay later company must adhere to other regulations that govern traditional credit, such as providing ways to demand refunds and dispute transactions. To use a buy now, pay later plan, consumers typically sign up with bank account information or a debit or credit card, and agree to pay for purchases in monthly installments, typically over eight weeks or more. The loans are marketed as requiring no or low interest, or only conditional fees, such as for late payment. Klarna, Afterpay and Affirm are three of the biggest buy now, pay later companies. But consumer advocates warn that shoppers who sign up for the payment plans using a credit card can be hit with more interest and fees. That's because individuals open themselves up to interest on the credit card payment, if it's carried month to month, on top of any late fees, interest, or penalties from the buy now, pay later loan itself. Experts advise against using a credit card to pay for these plans for this reason. Consumer watchdogs also say the plans lead consumers to overextend themselves because, for example, not paying full price up front leaves, in the shopper’s mind at least, more money for smaller purchases . They also caution consumers to keep careful track of using multiple buy now, pay later services, as the automatic payments can add up, and there is no central reporting, such as with a credit card statement. “Buy now, pay later can be an innovative tool for purchases you’re going to make anyway,” said Mark Elliott, chief customer officer at financial services company LendingClub. “The challenge is that it does fuel overspending.” For merchants, that’s part of the appeal. Retailers have found that customers are more likely to have bigger cart sizes or to convert from browsing to checking out when buy now, pay later is offered. One report from the Federal Reserve Bank of New York cited research that found customers spend 20% more when buy now, pay later is available. “The reality is that the increased cost-of-living and inflation have put more people in a situation where they’re already relying on revolving credit,” Elliott said. “The psychographics of ‘buy now, pay later’ may be different — people don’t think of it as debt — but it is.” If a consumer misses a payment, they can face fees, interest, or the possibility of being locked out of using the services in the future. Emily Childers, consumer financial expert for personal-finance technology company Credit Karma, said that internal data shows member credit card balances are up more than 50% for Gen Z and millennial members since March 2022, when the Fed started raising interest rates. “Young people are entering this holiday season already in the red,” she said. “And, based on what we’re seeing in the data, they’re continuing to bury their heads in the sand and spend.” The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.Mulligan Funding Closes $120 Million SecuritizationLOS ANGELES (KABC) -- L.A. Rams star Puka Nacua used his free time to give back. The wide receiver hosted a pizza party with HomeLight Family Living as part of the Rams' "Season of Giving." If you're a kid growing up in Inglewood, there are plenty of sports figures serving as role models, and perhaps few more popular than Rams star receiver Puka Nacua. "They're my favorite team... because I love how they score. I love how they celebrate," said Rashad Neal. As part of the Rams' "Season of Giving," Nacua visited HomeLight Family Living for a holiday pizza party. "Everybody deserves a pizza party. Everybody deserves a night together to share a slice and to have good memories and have fun," Nacua said. At HomeLight Family Living, many single mothers and their children receive services, including women who are working to break the cycle of abuse and poverty... it's hits close to home for Nacua, after being raised by a single mom most of his life following his father's death. "I come from a big family so I see all these kids with their brothers and siblings and these moms and even the single fathers out there who are sacrificing for their kids, and it brings me joy because I know that's what my mom did for me," said Nacua. "Families come to us from domestic violence shelters, from emergency shelters, human trafficking, a lot of different reasons why families are here - we provide free housing coupled with services for families to get back on their feet," said Ricardo Rosales, HomeLight Family Living director. "We all have busy lives and it's nice to come together and be a part of a family together. It's a really good community and fun," said Inglewood resident Nakia Neal. From photos and autographs, meeting Puka is a memory these kids won't forget.
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Nvidia has become one of the world's most valuable companies thanks to strong demand for its artificial intelligence (AI) server chips from big tech companies like Amazon, Microsoft, and Google. However, one tech giant that is not a major Nvidia customer is Apple, and a new report attempts to explain why this might be. The Information 's Wayne Ma today outlined Apple's historically "bumpy relationship" with Nvidia, but much of the bad blood dates to the 2000s and early 2010s, when Steve Jobs was still CEO and Macs used Nvidia graphics. It is unclear how much these past issues matter today, if at all, and the report acknowledges that Apple's current relationship with Nvidia "isn't entirely acrimonious." Two examples of the companies getting along include Apple's recent collaboration with Nvidia on machine learning research , and Nvidia showcasing the Apple Vision Pro when it announced a new software framework earlier this year. Apple has mostly rented access to Nvidia GPUs through the cloud from companies like Amazon and Microsoft, and it is reportedly developing its own AI server chip as a longer-term solution, but neither of those things prove that Apple still has an "allergy" to Nvidia as the report states. As has been the case for more than a decade, and even more so in recent years, Apple simply wants to develop as many in-house chips and technologies as possible for many reasons, including lower production costs, improved integration between hardware and software, and reduced reliance on external suppliers. So, this seems less about Apple avoiding Nvidia in particular, and more about Apple owning the whole widget in general. This trend has been playing out for many years now. In addition to Apple long designing its own iPhone chips, the company started releasing its own Mac chips in 2020, in a transition away from Intel. Apple's long-rumored 5G modem is expected to begin rolling out in iPhones next year, in a move away from its current supplier Qualcomm. Apple is also reportedly developing its own Wi-Fi and Bluetooth chip , a move that will impact Broadcom. So while Steve Jobs may have once pretended an Nvidia executive was no longer in the room during a meeting, as the report states, it seems most likely that Apple simply has no need to directly purchase GPUs from Nvidia. Apple is clearly fine with renting access to the GPUs from cloud providers until its in-house chip is ready. The report is nevertheless an interesting read, and it reinforces how Jobs was very good at holding a grudge when he was unhappy with a situation.
Amaravati: The Anti-Corruption Bureau (ACB) of Andhra Pradesh on Tuesday registered a case against suspended senior Indian Police Service (IPS) officer N. Sanjay for alleged misuse of funds. The Telugu Desam Party (TDP)-led NDA government earlier ordered an ACB probe against Sanjay who served as the Director General of State Disaster Response and Fire Services and Chief of Crime Investigation Department (CID) under the previous government of YSR Congress Party. The ACB inquiry against him was ordered on the basis of a report by the Vigilance and Enforcement (V&E) Department which looked into the allegations against the IPS officer. The ACB had written to Chief Secretary A. Santhi Kumari seeking permission to initiate action against Sanjay under Section 17 A of the Prevention of Corruption Act. After receiving the approval from the Chief Secretary, the ACB registered a case. Sanjay, who is now the Additional Director General of Police, has been named as accused number one. Sautrika Technologies Infra Private Ltd. and Kritvyap Technologies were listed as accused number two and three respectively. There were allegations that the 1993-batch IPS officer was involved in certain irregularities while serving as Director General of State Disaster Response and Fire Services. The V&E Department reportedly found misuse of funds to the tune of Rs 2 crore. Sanjay had allegedly given a contract to Sautrika Technologies to operate the AGNI-NOC website, mobile app development and operation and supply of 150 tabs. There are allegations that Rs 59.93 lakh were paid to the company without any work. The IPS officer had also allegedly cleared payment of Rs 1.19 crore to Kritvyap Technologies on behalf of CID for organising programmes to create awareness among Dalits and tribals about the SC/ST (Prevention of Atrocities) Act. Sanjay was suspended by the state government on December 4 for alleged violation of conduct rules. The General Administration Department issued an order, placing the former CID Chief under suspension under Rule 3 (1) of All India Services (Discipline & Appeal) Rules, 1969. The IPS officer was directed not to leave the headquarters. During the previous YSR Congress Party government, Sanjay as the CID Chief supervised the probe into the cases related to the Andhra Pradesh Skill Development Corporation scam and alignment of the Amravati Inner Ring Road against the then Leader of Opposition and TDP President N. Chandrababu Naidu. These cases resulted in the arrest of Naidu who spent nearly two months in jail. After Chandrababu Naidu assumed office as the Chief Minister in June following the electoral victory of TDP-led NDA, Sanjay was transferred and he was asked to report at the office of the DGP.
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One year after landing a potential cornerstone quarterback, Nebraska has given Dylan Raiola a big-time playmaker at wide receiver for the 2025 season. Kentucky transfer Dane Key announced on Tuesday he has committed to the Cornhuskers. Per 247Sports.com , Key is the No. 4 wide receiver and 10th-ranked player overall in the 2025 transfer portal. This article will be updated soon to provide more information and analysis. For more from Bleacher Report on this topic and from around the sports world, check out our B/R app , homepage and social feeds—including Twitter , Instagram , Facebook and TikTok .
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Identity Verification Market to Grow by USD 16.92 Billion (2024-2028), Driven by eID Cards, Smart Infrastructure, and AI-Redefining Market Landscape - TechnavioPutin says he will fire MORE of Russia's new hypersonic missiles at targets in Ukraine and has already begun mass production of the nuclear-capable weapon