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genie bar For many individuals and families in Qingdao who have been considering purchasing a new property or refinancing their existing home, this change in the mortgage interest rates could have significant implications on their financial plans. With the interest rates on the rise, the affordability of housing loans is likely to decrease, leading to higher monthly repayments for borrowers.Atlanta (6-7) at Las Vegas (2-11) Monday, 8:30 p.m. EST, ESPN BetMGM NFL Odds: Falcons by 4 Series record: Falcons lead 8-7 Against the spread: Falcons 5-8, Raiders 5-8 Last meeting: Falcons beat Raiders 43-6 in Atlanta on Nov. 29, 2020. Last week: Falcons lost to Vikings 42-21; Raiders lost to Buccaneers 28-13 Falcons offense: overall (8), rush (12), pass (2), scoring (19) Falcons defense: overall (23), rush (17), pass (25), scoring (25) Raiders offense: overall (25), rush (32), pass (16), scoring (31) Raiders defense: overall (15), rush (14), pass (15), scoring (30) Turnover differential: Falcons minus-9; Raiders minus-17 OLB Arnold Ebiketie has been a key to Atlanta's suddenly improved pass rush. Ebiketie has three sacks in the past two games, giving him four for the season. Overall, the Falcons have had nine sacks in the past two games. They almost doubled their NFL-low total of 10 through their first 11 games. Whoever plays quarterback. Aidan O'Connell injured his left knee Sunday at Tampa Bay, so his availability is unknown. O'Connell is not a mobile quarterback, so if he plays, he likely wouldn't be as limited as a more athletic player at that position. If Desmond Ridder gets the call, he'll face the team where he started 13 games last season. Falcons QB Kirk Cousins vs. Raiders defense. Cousins has been intercepted the past four games, and he has been picked off six times combined the past two weeks. Las Vegas' best hope in forcing Cousins into even more mistakes is pressuring, and the Raiders have nine sacks over the past two weeks. They also had two interceptions against the Bucs. Falcons: Rookie RB Jase McClellan was placed on injured reserve with a knee injury. The sixth-round pick earlier had missed time with a foot problem and had only 13 carries for 32 yards. RB Carlos Washington Jr. was signed to the active roster from the practice squad as depth behind Bijan Robinson and Tyler Allgeier. ... ILB Troy Andersen (knee) and WR Casey Washington (concussion) did not practice on Thursday. Raiders: RB Alexander Mattison (ankle) is expected to be activated after missing the past three games. CB Nate Hobbs (ankle) hasn't played since Nov. 3 at Cincinnati. The Falcons have won the past five meetings. ... Their 37-point victory in the most recent matchup in 2020 was the most lopsided game in the series' history. ... That game also was the second highest-scoring game by the winning team, behind the then-Oakland Raiders' 50-19 victory in 1979. Falcons WR Drake London needs only two catches to pass Calvin Ridley (217) for the most receptions in the first three seasons with Atlanta. ... London has 75 receptions for 866 yards and six touchdowns this season. ... Cousins has an unhealthy ratio of 17 touchdown passes to 15 interceptions. ... The Raiders' Brock Bowers has caught 87 passes to set an NFL rookie record tight ends record. Sam LaPorta had 86 last season for the Detroit Lions. Bowers also is 67 yards from becoming the third rookie tight end with 1,000 yards, joining Atlanta’s Kyle Pitts in 2021 and the Chicago Bears' Mike Ditka in 1961. ... DE Maxx Crosby is half a sack from becoming the third Raiders player since 1982 with 60 for his career. The other two are Greg Townsend (107 1/2) and Howie Long (84). ... LB Robert Spillane is one of seven players this season with at least 100 tackles, an interception and a sack. ... Las Vegas has committed 4.86 penalties per game since coach Antonio Pierce took over at midseason last season, best in the league. ... The Raiders have had at least one sack in 31 consecutive games, the third-longest active streak behind the Baltimore Ravens with 51 and Philadelphia Eagles with 41. Las Vegas has nine combined in the past two games, tied for best in the league with the Falcons. Raiders RB Sincere McCormick has secured the starting job, and he has averaged at least 5.2 yards per carry in each of his past three games. His rushing total keeps increasing, with McCormick gaining 78 yards against the Bucs. Especially given the uncertainty at quarterback, expect the Raiders to rely on McCormick. AP NFL: https://apnews.com/hub/nfl

On the other side of the Premier League, Tottenham Hotspur has displayed a similar commitment to their manager, Mauricio Pochettino. Despite a rocky start to the season and some disappointing results, the Spurs board has reiterated their support for Pochettino and their belief in his ability to turn things around. While some critics have questioned Pochettino's tactics and team selection, the club's hierarchy has stood firm in their support of the Argentine coach.Cooperation between the EU and China has become increasingly important in addressing shared challenges such as climate change, global health crises, and economic development. In recent years, both sides have recognized the need to work together to promote sustainable development and stability in the international system. Through initiatives such as the EU-China Comprehensive Agreement on Investment (CAI) and the Belt and Road Initiative (BRI), they have sought to deepen their economic and diplomatic ties for mutual benefit.

René Bennett | (TNS) Bankrate.com If you’re an iPhone user, you might not realize that you already have access to Apple Cash. It’s a digital cash card that’s built into Apple devices and can be found in the default Wallet app. (Note: You must link an eligible debit card to use this service.) The main function of Apple Cash is to make it easier for Apple device users to send money to one another, including sending money through the iMessage app. But Apple Cash is more than just a peer-to-peer (P2P) payment service — it can be used to shop online, in stores or to make in-app purchases. Apple Cash is a convenient way to transfer money between friends and family. Once it’s set up, a user can simply open the iMessage app and send money to a contact through their chat. It’s also useful for those who use Apple Pay, a separate service that allows Apple device users to make contactless payments with any linked card, including an Apple Cash card. Here are some important things to know about setting up and using Apple Cash. Apple Cash is a digital cash card that’s stored in the Wallet app of Apple devices, and it can be used for making P2P payments, as well as purchases through Apple Pay. When you receive money from another Apple Cash user, that money appears in your Apple Cash balance. The balance can then be spent or transferred to a linked bank account or debit card. Sending money to peers with Apple Cash can be done either directly from the digital Apple Cash card (in the Wallet app) or through the iMessage app. You can send or receive anywhere between $1 and $10,000 per message. The money shows up on the recipient’s Apple Cash card instantly, but it may take from one to three days for the balance to be transferred to a bank account. Instant transfers to a bank account are possible, but it comes with a 1.5% fee. There’s also an option to set up Apple Cash Family for children who are under 18 years old. This option limits the amount a child can send to $2,000 per message. Those younger than 18 also cannot add money to their Apple Cash card from a bank account; rather, their balance only grows when they receive money from another Apple Cash user. Apple Cash is a digital card within your Wallet that allows you to spend your Apple Cash online, in stores and in apps as well send and receive money. Apple Pay, however, allows you to make purchases using any credit card or debit card you have stored in your Wallet — including Apple Cash. With Apple Pay, you add credit and debit cards to your Wallet and then have the ability to pay right with your phone (or other Apple product). To set up Apple Cash, you’ll need three things: —A compatible Apple device. —Two-factor authentication enabled for your Apple ID (this can be done in Settings). —An eligible debit card to load funds onto the Apple Cash card. In the Settings app, you can turn on Apple Cash in the Wallet and Apple Pay section. Tap on the Apple Cash card icon and follow the instructions on the screen. You’ll be asked to agree to the terms and conditions, after which your device will set up Apple Cash for you. The Apple Cash card, once set up, can be found in your device’s Wallet app. If you want to set up Apple Cash Family, you’ll first need to have Family Sharing turned on, which can be done in Settings. The family organizer can add children to Apple Cash in the Family Sharing section of Settings. You’ll need to have a debit card linked to your digital Wallet to add money to an Apple Cash card. You can add a debit card to Wallet in the same place where you set up Apple Cash — the Wallet and Apple Pay section of Settings. Once a debit card is linked to your Wallet, open Wallet and tap on the Apple Cash card. Then, tap the More button (an icon with three dots). This will open a page where you can see your Apple Cash balance, add money and transfer funds to a bank account. Tap Add Money and enter the amount you’d like to add (the minimum is $10). You’ll be asked to confirm which debit card you want to use to fund the Apple Cash balance, and then the money is added to the Apple Cash card. There are two ways to send a payment to someone using Apple Cash: directly from your Wallet or in the iMessage app. Both the sender and recipient need Apple Cash to send or receive money. To send money from Wallet, simply tap the Apple Cash card in Wallet and then tap Send. Type in the contact name or phone number of the recipient. Enter the amount you’d like to send (between $1 and $10,000), then review the payment and confirm it with Face ID, Touch ID or a passcode. In iMessage, open the conversation with who you’d like to send money to, or start a new one. Tap on the app button, which appears next to the type bar, and then tap on the Apple Cash icon. You’ll be prompted to enter an amount (between $1 and $10,000). Once you’ve reviewed the amount, tap Send and confirm with Face ID, Touch ID or a passcode. The first time money is sent to someone, the recipient will need to accept the payment within seven days for it to go through. After the first instance, payments are automatically accepted. If you’re using Apple Cash to make a purchase either online or in a store, you’ll need to pay using Apple Pay. To request money from your iPhone, open the conversation in the Messages app. Tap the plus icon, followed by Apple Cash. Then, tap Request. Tap the send button to send your payment request. Once the request is sent, the person you sent it to can confirm or change the amount they send to you. You can also request money from your Apple watch. Open your messages app, choose a conversation, tap the plus icon and then choose Apple Cash. Once you enter the amount you are requesting, swipe left on the Send button. Tap Request. As you start to accumulate money on the Apple Cash card, you may want to move it to a debit card or a bank account . This can be done by going to the same place where you added funds to the card, by clicking the icon with three dots next to your digital card. Enter an amount to be transferred, then tap Next. You’ll be asked whether you want to do an instant transfer (for a 1.5% fee) or a transfer in one to three business days for free. After making a selection, the screen will instruct you to set up a bank account if you don’t already have one set up. You’ll confirm the payment, and the transfer is initiated. Instant transfers can only be made to an eligible debit card, not a bank account. Money is sent within 30 minutes when you select instant transfer. —Zelle: If your bank is offers Zelle, it might be a good idea to take advantage of the P2P payment service. Zelle can be accessed directly from your bank’s mobile app, and it allows you to send instant transfers at no extra cost. —Venmo: Anyone can use Venmo, as long as they’ve downloaded the app. Unlike Apple Cash or Zelle, it’s a standalone P2P payment app. Venmo comes with a social element — users can follow each other and add fun emojis to their payments, although they can also keep their account activity private. —PayPal: This P2P payment service is a good option if you want to send money internationally. It also offers a PayPal Debit card, which, like the Apple Cash card, can be used to make purchases online or in stores. —Samsung Pay Cash: Samsung device users can use this option instead of Apple Cash. Similar to Apple Cash, it is a digital wallet that you can access from a Samsung mobile device. However, to take full advantage of Samsung Pay Cash, users will need to undergo an extra registration process to upgrade to a Full Card Account. Apple Cash makes it easy for Apple device users to send money to each other. Users can simply tap the Apple Cash icon in their text messages to send money through iMessage. It can also be used as an extra repository for spending money and can be used for purchases anywhere Apple Pay is accepted. With that said, only Apple device users can send and receive money using Apple Cash, so those looking for a more universal payment service may want to consider other P2P payment apps . ©2024 Bankrate.com. Distributed by Tribune Content Agency, LLC.