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A credit card user has revealed how she recouped hundreds of dollars from her credit card company. Posting on social media, nat.eberhart described how she called Capitol One to ask them to lower her interest rate. “This is your reminder that sometimes all you have to do is ask for things and you will get them,” she said in her TikTok video. Though her request for the credit card company to lower the rate was refused, the short phone call resulted in them refunding the last three months interest she had paid. “The call was literally four minutes long and I just got back hundreds of dollars,” she disclosed to her followers. The news was greeted enthusiastically by the channel’s users and there were 1, 286 comments on the post. Read more on credit cards “As someone who works in a call center, I will do sooo much more to the nice cutomers than the ones who scream at me,” wrote one respondent. Another confessed: I saw a TikTok about this 2 weeks ago. I immediately contacted my bank and have 0% interest on my credit card for 12 months.” Yet another commented: "I got a 5% decrease. Thanks friend." Responses to the video revealed that it’s not only Capital One that’s responding positively to its account holders. Most read in Money “Discover gave me 0% APR for a year, chatted with them right after I saw this. Thanks for posting!” said one TikTok user. Meanwhile another posted: “I just called discover and they lowered mine 6% - she said it was a standard interest lowering – took about 3 minutes – just be as polite as possible.” However it didn’t work for everybody. “I called all 3 of my CC companies and tried this and they all said NO,” posted one disappointed commenter. NEW YEAR, NEW START Christmas is an expensive time of year and with 2025 just around the corner now is the perfect time to take stock of your credit card finances. Americans were expected to spend up to $2,100 this festive season, according to CBS News , with many overspending and over-extending their budgets . With widespread deals and sales to tempt them, around 27% of US shoppers used debt for holiday purchases in 2023, according to data collected by Morning Consult Pro. FICO, the most widely known credit scoring system, and its rival VantageScore both use a range of 300-850 points. Below we list what's considered a good and bad credit score, according to both systems. FICO Poor: 300-579 Fair: 580-669 Good: 670-739 Very good: 740-799 Exceptional: 800 or above VantageScore Very poor: 300-499 Poor: 500-600 Fair: 601-660 Good: 661-780 Excellent: 781-850 What’s more, 30% of these were still paying off last year’s purchases this year. Author and financial expert Rachel Cruze advises consumers never to use the festive season as an excuse for going into debt. Writing for Fox News , Cruze said: “The problem starts with believing it’s not a big deal to go into debt or swipe a credit card for your holiday gifts. “The easiest way to break this habit we have as a society is to cut up your cards and decide you’ll only use the money that’s in your bank account.” She advises preparing now for next Christmas. “Once January 2025 hits, start saving a little bit every single month for your Christmas expenses,” she says. “Also, remember that lots of Black Friday sales start in mid-November. Planning ahead for Christmas 2025 will help you hop on those deals early.” Read More on The US Sun One couple ended up $20,000 in debt across multiple credit cards after spending on their home. And supermarket giant Walmart came under fire recently from one unhappy customer after holding money from her card.
Chelsea transfer news: Blues identify £14.8m striker as Victor Osimhen, Alexander Isak alternative? - Sports MolePalantir Technologies ( PLTR 1.56% ) shares have soared by 285% this year, while Nvidia ( NVDA 2.15% ) shares have advanced by 175%. Both companies play important roles in the burgeoning artificial intelligence (AI) economy, but several billionaire fund managers sold some of their Palantir stakes and bought more shares of Nvidia during the third quarter. Cliff Asness of AQR Capital Management sold 99,140 shares of Palantir, cutting his position by 16%. Meanwhile, he added 719,710 shares of Nvidia, upping his position by 5%. Nvidia is now the largest position in AQR's portfolio. Ken Griffin of Citadel sold 5.1 million shares of Palantir, reducing his stake by 91%. Meanwhile, he bought 4.7 million shares of Nvidia, increasing his stake by 194%. Nvidia is the second largest position in Citadel's portfolio, excluding options contracts and index funds. Steven Schonfeld of Schonfeld Strategic Advisors sold 60,384 shares of Palantir, closing his position in it completely. Meanwhile, he added 703,192 shares of Nvidia, increasing his stake by 217%. Nvidia is the largest holding in Schonfeld's portfolio, excluding index funds. Palantir Technologies: The stock some billionaires were selling Palantir provides data analytics software. Its core Gotham and Foundry platforms integrate information and machine learning (ML) models into an ontology -- a digital layer that defines the relationships between real-world objects. Using prebuilt and custom analytics tools, businesses can query the ontology layer to surface insights that improve decision-making. Palantir also has an artificial intelligence platform called AIP, which brings generative AI support to its core products, letting users engage with that software using natural language. For instance, procurement teams managing supply chains with Foundry can simply ask the platform to review problems and propose solutions as they arise. While many vendors sell AI and analytics tools, Palantir believes it is unique in its ability to operationalize AI. In other words, Palantir says its software lets clients move prototype use cases to production more effectively than other solutions. There may be a bit of posturing in that belief, but analysts have recognized Palantir as a leader in AI/ML platforms. Palantir reported excellent financial results in the third quarter, beating estimates on the top and bottom lines. Revenue increased 30% to $725 million, and non-GAAP net income surged 43% to $0.10 per diluted share. Management attributed its strong performance to momentum with AIP. "Our unchallenged ability to channel and guide the demand for integrating AI seamlessly with essential data, distribution, and decision-making structures is what truly sets us apart," CEO Alex Karp wrote in his letter to shareholders. That confidence is undoubtedly encouraging for Palantir shareholders, but the company's valuation has become a significant problem. Wall Street expects Palantir to grow its adjusted earnings at an annualized rate of 27% through 2025. That makes the current valuation of 188 times earnings look absurdly expensive. Those figures give it a price/earnings-to-growth (PEG) ratio of 7, and conventional wisdom says anything trading at a PEG above 2 is expensive. Prospective investors should avoid this stock for the time being, and current shareholders should consider trimming large positions. Nvidia: The stock some billionaires were buying Dan Ives at Wedbush Securities says Nvidia is the "foundation of the AI revolution." The company designs the most coveted graphics processing units (GPUs) in the computing industry. Nvidia accounted for 98% of data center GPU shipments in the last two years, and it has about 80% market share in AI accelerator chips. That leadership is reinforced by CUDA, a robust ecosystem of software development tools. An article in The Wall Street Journal recently explained how CUDA contributed to the rise of Nvidia: "Year after year, Nvidia responded to the needs of software developers by pumping out specialized libraries of code, allowing a huge array of tasks to be performed on its GPUs at speeds that were impossible with conventional, general-purpose processors like those made by Intel and AMD ," wrote that newspaper's Christopher Mims. Nvidia reported excellent financial results in the third quarter, beating estimates on the top and bottom lines. Revenue rose 94% to $35 billion, and non-GAAP net income jumped 103% to $0.81 per diluted share. Investors have good reason to think that momentum will continue. Nvidia is currently ramping up production of its next-generation Blackwell GPUs, and CFO Colette Kress recently told analysts, "Demand is staggering." Looking ahead, Wall Street expects Nvidia's adjusted earnings to increase at an annualized rate of 52% through its fiscal 2026, which ends in January 2026. That consensus makes the current valuation of 52 times adjusted earnings look quite reasonable. Those figures give a PEG ratio of 1, which makes Nvidia far cheaper than Palantir. Patient investors should be comfortable buying a position in this stock today.
SOPHNET. and Luminox are set to kick off 2025 in style, as they’re joining forces for a duo of new takes on the latter’s 3001 model. The parties’ second collaboration after an inaugural effort in March 2022, these two new watches feature bezels that salute a familiar Rolex model — namely the GMT-Master . The 3001 was initially released in 1994, and developed in partnership with the US Navy SEALS, so durability and functionality are paramount to its design ethos. Each style offers a two-tone face, with one switching between black and green while the other swaps between brown and gold. Co-branding is kept to a minimum, with a small, abbreviated SOPHNET. hit on the face, and white markings stand out boldly on a black background. The case is made of a rugged material named Carbonox and sized at 43mm. Both watches offer up a durable black rubber strap. Luminox’s signature light technology ensures that each watch can retain its lume for up to a quarter century, and both also have a water resistance rating of up to 200 meters. A post shared by SOPH. CO.,LTD. (@soph_co_ltd) Each watch is limited to 300 units and is set to be released via the SOPHNET. online store come January 2. The price is set at a tax-included ¥73,700 JPY (approximately $466 USD).SANTA CLARA, Calif. (AP) — San Francisco 49ers star running back Christian McCaffrey will not need surgery on his injured right knee but he will miss the rest of the regular season. Coach Kyle Shanahan said Monday that McCaffrey will be out at least six weeks after injuring his posterior cruciate ligament in a loss to the Buffalo Bills on Sunday night . McCaffrey will be placed on injured reserve for the second time this season after previously missing the first eight games with Achilles tendinitis. “I just feel for him,” Shanahan said. “It was a real frustrating year for him. He worked his ass off to get back to this point and I think he was really feeling good and about to take off and just had that real unfortunate injury last night. I know he’s as crushed as anyone, but he’ll get through this. He’s a hell of a player, a hell of a person and an unbelievable 49er. He’ll be back stronger than ever next year to help us.” San Francisco (5-7) sits alone in last place in the NFC West standings, two wins behind division-leading Seattle, and in jeopardy of missing the playoffs a year after losing to Kansas City in the Super Bowl. The 49ers also lost McCaffrey's backup to an injury with Jordan Mason also set to go on injured reserve after suffering a high ankle sprain in the game against the Bills. It has been a frustrating season for McCaffrey, who won the 2023 AP Offensive Player of the Year then signed a lucrative contract extension in the offseason. McCaffrey injured his Achilles tendon early in training camp and missed the first eight games of the season. He rushed for just 149 yards on 43 carries in his first three games back as he struggled to get back to form. He looked much better early Sunday night with seven carries for 53 yards, including a 19-yarder that was his longest of the season. He appeared to hurt his knee on an 18-yard run in the second quarter. He then went down immediately on his next carry on a sweep to the left on a snow-slicked field for a 5-yard loss. Mason had played well as McCaffrey's replacement, rushing for 789 yards and averaging 5.2 yards per carry this season. San Francisco will now turn to rookie Isaac Guerendo and promote Patrick Taylor from the practice squad. Shanahan said the team will also look to add another running back to the mix. In other injury news from the game, defensive lineman Kevin Givens tore his pectoral muscle and will be out for the rest of the season. Shanahan said cornerback Deommodore Lenoir should be back at practice Wednesday after missing the game with a knee injury and that stars Nick Bosa (hip, oblique) and Trent Williams (ankle) will be evaluated as the week goes on. Bosa and Williams have both missed the last two games. Williams has also been dealing with family tragedy as his wife announced on Instagram that she gave birth to stillborn Trenton O’Brien Williams Jr. on Nov. 24. Sondra Williams also wrote that she was initially pregnant with twins and lost the other child earlier in the pregnancy. Shanahan said Williams spent time with his family last week but is trying to get back to play. “He was there at the hospital with her and got to meet him and say bye,” Shanahan said. “Then he had to cremate him on Friday. So he’s been dealing with that and he’s working through it. We’re all just trying to be there for him through it all.” NOTES: OL Aaron Banks and DT Jordan Elliott remain in the concussion protocol. ... LB Demetrius Flannigan-Fowles (knee) is day to day. ... LB Dre Greenlaw will get more work this week after his practice window was opened last week for the first time since he tore his Achilles in the Super Bowl. ... S Talanoa Hufanga (wrist) will have his IR practice window opened this week. AP NFL: https://apnews.com/hub/nflHONEYWELL AND BOMBARDIER SIGN LANDMARK AGREEMENT TO DELIVER THE NEXT GENERATION OF AVIATION TECHNOLOGY; HONEYWELL UPDATES 2024 OUTLOOKTina Knowles Claps Back: Beyoncé's mom schools trolls over Christmas halftime performance
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