Canada Mortgage and Housing Corp. says the annual pace of housing starts for April rose 17% compared with March.
CMHC reports annual pace of housing starts in April up from March
US Bank Amazon Prime Business Credit Card: New Card Launched, 5% Cashback on Amazon
2026.5 Update: The issuer of Amazon Business credit card is changed from AmEx to US Bank. The network is now Mastercard. This is the new card after the change of issuer.
Application Link
Benefits
- Dynamic welcome offer: login to see your targeted offer. It seems the highest targeted welcome offer is $750. The baseline welcome offer is $100: earn $100 statement credit after spending $3,000 in the first 3 months.
- Earning structure:
- Earn 5% cashback at Amazon, Amazon Business, AWS, and Whole Foods Market, if you are an Amazon Prime member (3% if not), on up to $150,000 in Net Purchases per calendar year, thereafter earn 1%. In order to get the 5%, you need to use your own Amazon account. Student Prime membership and trial prime membership counts as well.
- Automatic 2% cashback on your top 3 spending categories outside of Amazon (on up to $150,000 in Net Purchases per calendar year), thereafter earn 1%.
- Earn5% cashback on prepaid travel booked in the U.S. Bank Travel Center using your card, if you are an Amazon Prime member (3% if not).
- Earn 1% cashback on everything else.
- No foreign transaction fee.
- No annual fee.
Disadvantages
- Though it appears to be a no annual fee card, actually you need to remember that Amazon Prime Membership costs you some money every year.
- You will earn 5% or 3% Back only on the first $150,000 in purchases each calendar year, 1% Back thereafter.
- They only allow you to hold one of this card at a time, therefore you can’t increase the cap by holding multiple of this card.
Recommended Application Time
- We recommend you apply for this card after you have a credit history of at least two years and you are very comfortable with the credit card game.
Summary
For Amazon Prime members who spend heavily on Amazon, 5% cash back is a very solid return. This card is similar to the Chase Amazon Prime personal card in many respects. Previously, some people may have been hesitant to put too much spend on Chase cards, or they may have been blocked by Chase’s 5/24 rule and unable to get the Chase version. With the new US Bank-issued card, those concerns are no longer an issue. When the Amazon business card was previously issued by AmEx, some people may also have been reluctant to use up an AmEx card slot for it. Now that the issuer has switched to US Bank, that concern is gone as well. That said, US Bank is generally known to be relatively strict with approvals, which could still be a hurdle for some applicants.
Related Credit Cards
After Applying
- To check the application status, you can visit this webpage or call (800) 947-1444. If you see the 7-10 days message, it just means they will do a manual review and the outcome could be either approved or denied.
- US Bank reconsideration line: (800) 947-1444.
Historical Offers Chart
Application Link
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We talked to 12 tarot card readers who are using AI. They split in 2 camps, with big implications for the technology
Of course, the urge to seek answers from forces beyond ourselves is hardly new. For generations, people have turned to psychics, astrology charts or tarot cards for reassurance.
Once fringe, these practices have increasingly become mainstream. According to a 2025 Pew Research survey, nearly 1 in 3 Americans consult tools such as tarot or astrology at least once a year, interest that’s thought to largely be fueled by Gen Z and social media.
Now, we’re seeing these two forces – AI and occult practices – meeting in strange and fascinating ways. An increasing number of tarot readers, from novices to seasoned practitioners, have been turning to AI to help make sense of their tarot readings.
What makes this pairing so striking is that interpretation is the whole point of tarot. And yet AI often brings little knowledge of your history or your unique situation when it dispenses advice.
In a study published in April 2026, we examined which aspects of the practice that tarot readers were delegating to AI, and how the technology was shaping their interpretations.
Watching what happens when readers hand that important interpretive step to AI may offer a glimpse of what helpful AI guidance could look like – and where it could go wrong.
The mainstreaming of occult practices
Tarot cards are experiencing a revival.
Tarot did not start out as a spiritual or fortune-telling tool. It began as a popular card game in the Italian Renaissance, before spreading across Europe.
Over time, readers and occultists layered the cards with mystical symbolism drawn from Kabbalah, Egyptology, numerology and other mystical and symbolic traditions. In the early 20th century, the British publisher William Rider & Son released the Rider-Waite-Smith deck, which became the most popular tarot deck in the English-speaking world.
Whereas only a handful of tarot decks were being published in the early 1970s, today thousands of tarot and oracle decks are in circulation. A standard tarot deck contains 78 cards, each carrying its own symbolic meaning. Practitioners use the cards to sit with hard questions, which can range from difficult relationships to world events: Should I leave my partner? Is this job worth it? What’s going to happen with Donald Trump and the Strait of Hormuz?
After cards are pulled, their meanings are interpreted through the lens of the reader’s question, circumstances and life history.
Someone asking about a relationship and drawing the Tower card, for instance, might read it as impending rupture, or as false assumptions finally giving way. Which reading fits depends on the other cards, the specific question and what the reader already knows about their own situation.
This stands in contrast to AI, which is primed to produce a seemingly definitive answer, even when it’s unaware of the nuances of your situation and context.
The adoption of AI in tarot reading
For our study, we interviewed 12 tarot practitioners about their use of AI in readings they did for themselves.
They generally found themselves pulled in two directions.
On the one hand, they often sought explicit guidance from AI in the process of self-reflection. By using AI to interpret the cards, they could sidestep the frustration of interpreting many cards in light of the question asked.
Say someone drew the Fool and the Ten of Wands for a question about a career change. The Fool points toward a leap into the unknown, while the Ten of Wands speaks to burnout and an unsustainable load.
But do the cards say, “Leave, you’re exhausted and something better awaits”? Or “Leave, and the new job will be just as demanding”?
Rather than sit with that ambiguity, some readers simply ask the AI for the meaning of the reading.
For more challenging readings, AI’s “yes man energy” helped them feel more confident about their interpretations. This was true for cases where participants both drew physical tarot cards and then interpreted them with AI, or used AI to directly simulate tarot readings. These uses of AI are seductive. They make the act of self-reflection less demanding. But within the broader tarot community, we found a lot of criticism of AI, and there were concerns about how the sycophantic nature of the technology could undermine people’s intuition and reasoning. On the other hand, the tarot readers we interviewed also used AI as a tool to challenge their own biases and assumptions – blind spots in their readings, or what they might be missing in their own interpretation of the cards. Along these lines, they used AI to generate alternative perspectives so they could compare the different interpretations and see which resonated more. And some even asked for an “objective reading” of the cards, because AI appears to have no skin in the game and be unburdened by personal biases or motives. Many readers did this when they didn’t want to “bug” or “pester” their friends for help with a reading. Instead, they relied on chatbots in a one-sided relationship that feels supportive – an example of what scholars call parasocial interaction. Some interviewees even treated bizarre AI-generated outputs or hallucinations as meaningful precisely because they were random and unintended, the same way that a card drawn at random feels like it carries a secret message. AI is becoming a powerful new oracle in its own right. In one recent survey, researchers found that up to 87% of generative AI users are consulting the technology for “personal applications,” which includes advice and emotional support for relationship conflicts and mental health struggles. Sometimes these chatbots are genuinely helpful. But at the same time, advice seekers can also become emotionally dependent. Some rely on the technology for companionship and guidance instead of friends and family. Chatbots have also been found to nurture delusional beliefs and even lead to self-harm. Meanwhile, professionals that regularly give guidance are using AI in their practice, from lawyers to therapists and even priests. Pope Leo XIV recently urged priests to resist the temptation to use AI to write sermons. We think it’s important to make sure the technology isn’t seen as an all-knowing source of truth. It can certainly open up users to new ideas, but it should be a tool to enhance self-reflection, rather than one that serves as a substitute for it. In some cases, that’s what the tarot readers in our study did. They tapped into their own capacity for reflection by using AI to explicitly challenge their own biases and assumptions. This points to an alternative blueprint for the future of AI – one in which the technology doesn’t simply hand you answers but keeps you actively engaged in the process of finding them. Ziv Epstein, Postdoctoral Associate, Schwarzman College of Computing, Massachusetts Institute of Technology (MIT); Farnaz Jahanbakhsh, Assistant Professor of Electrical Engineering and Computer Science, University of Michigan, and Vana Goblot, Lecturer in Media, Communications and Cultural Studies, Goldsmiths, University of London This article is republished from The Conversation under a Creative Commons license. Read the original article.AI as a tool for critical engagement
What does this mean for the future of AI?
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How I Pick My Stocks: Investing For Beginners
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Bad Timing Does Not Cost Investors 15% of Their Funds’ Returns
Jon A. Fulkerson, Bradford Jordan, Timothy Brandon Riley, CFA, and Qing Yan
New research challenges Morningstar’s “Mind the Gap” findings, showing mutual fund investors lose just 0.10% annually from poor timing—not the widely cited 1.2% return gap.
This Quantum Computing Company Has Every Big Tech Firm Quietly Paying Attention
Quantum computing has the potential to be the next big technological breakthrough after artificial intelligence (AI). However, this is an emerging technology that is still many years from going mainstream and being commercially useful.
While many companies are going after this opportunity, there is one company the big tech companies are closely watching: IonQ (IONQ 9.61%).
Image source: Getty Images.
IonQ is an accuracy leader
There are a few reasons why IonQ is likely the quantum computing company that big tech is paying attention to right now. The first reason is that the company is pursuing a different technological roadmap than most players, and it’s proving to be successful.
One of the biggest issues facing quantum computing today is accuracy; however, IonQ’s trapped-ion technology has proven to be one of the most accurate, with the company achieving 99.99% 2-qubit fidelity (accuracy). While that sounds highly accurate, for computing, it is still error-prone, but it is at the level where the company can start using other error-correcting techniques to help develop a fault-tolerant quantum system.

Today’s Change
(-9.61%) $-5.52
Current Price
$51.95
Key Data Points
Market Cap
$19B
Day’s Range
$51.28 – $54.70
52wk Range
$25.89 – $84.64
Volume
27M
Avg Vol
28M
Gross Margin
-2879.52%
Quantum computing faces accuracy issues because instead of using bits, which are in a fixed state of being a 1 or 0, quantum computing uses qubits, which are in a mathematical combination of both states simultaneously. This makes them very sensitive to external factors such as vibrations and temperature changes. IonQ’s trapped-ion technology diverges from most competitors by starting with actual ytterbium atoms, which are inherently more stable than lab-created qubits.
The company then made a breakthrough following its acquisition of Oxford Ionics, enabling it to go from keeping its ion traps in place with lasers to controlling them with microwave signals built directly into its chips. This will also allow it to shrink the size of its systems.
In addition to hitting impressive fidelity milestones, another reason big tech is watching IonQ is that the company is looking to control the entire quantum ecosystem. It has made acquisitions in several areas, including quantum networking, sensing, and satellite transmission.
IonQ is even in the process of becoming vertically integrated, with the company in the midst of buying leading quantum foundry SkyWater Technology. This deal should allow the company to test prototype chips more quickly and eventually help it scale when it is time to commercialize its systems.
Is the stock a buy?
IonQ is perhaps the most interesting of the pure-play quantum computing stocks, given its accuracy edge. However, this race is far from over, and while its approach has been shown to be accurate, it lags behind competitive approaches in speed. As such, the stock remains speculative, and I’d only hold a small position.
Uber One Member Days: Save on Rides, Best Buy, Sephora, Kroger and More
Uber One Member Days
Member Days is back! To celebrate Uber One members, the annual deals event is returning with lots of offers across rides, restaurants, groceries, retail, beauty, and so much more for 10 days. It starts today, and runs through May 24, 2026.
However you choose to move, eat or shop, here’s a look at some of the top offers in the US.
Rides and Travel:
- Delta: earn your share of 56 million bonus miles with Delta – the first 14K linked Uber One members who complete 4 qualifying orders and 4 qualifying Premium rides will earn 4K bonus miles. Ends 6/1. Must Enroll. Terms apply.
- Marriott Bonvoy: 100 million Marriott Bonvoy bonus points are up for grabs – Link your accounts and complete 1 qualifying ride and 1 qualifying order on the same day to earn 2.5K bonus points. Ends 5/31. Must enroll. Terms apply.
- Airport Rides: get 20% off all airport trips excluding UberX, up to $20 per trip, to close out Member Days, on May 23 and 24 only.
- Evening Rides: roll into Member Days with 30% off evening rides, up to $10 off per trip, between 6pm and midnight on May 15 and May 16.
- Premium Rides: turn every trip into a premium experience with 25% off, up to $15 off per trip, Uber Black or Uber Premier.
- Uber Rent: experience Uber Rent and get $25 in Uber One credits.
- Uber Share: get 50% off UberX Share trips, up to $12 off per trip, on May 21.
- Lime: get 5 free unlocks on Lime e-scooters or e-bikes from May 22-24.
Retail and Eats:
- Fandango: unlock movie savings and perks all year with 50% off a Fandango FanClub Membership
- Sephora: $20 off, plus $10 for Beauty Insiders, for up to $30 off $100+ orders
- Best Buy: $25 off $75+ orders of tech, toys, and more
- Kroger: 30% off grocery orders of $75+
- Domino’s: 50% off pizzas for Uber One members
- Subway: BOGO select 6 inch subs
- McDonald’s: get a Big Mac® or 10pc McNuggets meal for free with $20+ order
- Popeyes: BOGO Signature Chicken
- Wingstop: 10 free boneless wings with $25+ order
- Starbucks: free breakfast sandwich or wrap with $18+ order
- Taco Bell: free Nachos BellGrande® with $20+ order
- Chipotle: free entrée with $20+ orders
- Gatorade: $4 off $11+ orders
Terms & conditions apply. See Uber app for specific offer details.
Save on an Uber One Membership
Uber One costs $9.99 per month or $99 for an annual subscription. Benefits include $0 delivery fees on eligible orders, 6% back on rides, and up to 10% off eligible orders.
But you don’t have to pay the full price, or pay anything at all if you have the right card in your wallet.
The Platinum Card® from American Express for example gives you $120 in statement credits every year for Uber One membership cost, and $200 in Uber Cash. The American Express® Gold Card also has an Amex Offer for a free year of Uber One and it also offers $120 in Uber Cash annually. Amex Delta cards also have Uber One credits for up to 12 months.
The First Step to Buying a Home
Buying a home is an exciting milestone, especially for a first-time homebuyer. Before you start browsing listings or touring homes, there is one critical step that can save you time, stress, and uncertainty: getting a mortgage pre-approval.
Starting the homebuying process with a mortgage pre-approval helps you understand your budget, strengthens your offer, and positions you as a serious buyer in a competitive market.
What Is a Mortgage Pre-Approval?
A mortgage pre-approval is a lender’s conditional commitment to lend you a specific amount of money for a home purchase. It is based on a thorough review of your financial profile, including your income, assets, credit history, and debts.
Once approved, you’ll receive a mortgage pre-approval letter that outlines how much you may be able to borrow. This letter can be shared with real estate agents and sellers when submitting an offer.
For first-time homebuyers, this step provides clarity and direction before beginning the home search.
Mortgage Pre-Approval vs. Pre-Qualification
Many homebuyers use these terms interchangeably, but they’re not the same.
A mortgage pre-approval involves verified financial documentation and a credit review. It is part of the formal loan process and carries more weight with sellers.
A pre-qualification is a general estimate based on self-reported information. It is helpful for early planning but doesn’t provide the same level of confidence or credibility.
If you’re serious about buying a home, a mortgage pre-approval is the stronger and more reliable option.
Why Mortgage Pre-Approval Matters When Buying a Home
Know what you can afford
One of the biggest challenges when buying a home is understanding your true budget. A mortgage pre-approval removes the guesswork by giving you a clear price range based on verified financial data.
You can also explore estimated monthly payments using tools like APM’s mortgage calculator here. This allows you to align your home search with what comfortably fits your financial situation.
Strengthen your offer
In a competitive housing market, sellers want confidence that a buyer can close the deal. A mortgage pre-approval letter signals that your finances have been reviewed and that you’re ready to move forward.
For a first-time homebuyer, this can make a meaningful difference when competing against other offers.
Save time during your home search
Without a mortgage pre-approval, it’s easy to spend time looking at homes outside your price range. With a clear budget in place, you can focus on properties that align with your financial goals.
This creates a more efficient and less stressful homebuying experience.
Understand your monthly payment
Buying a home isn’t just about the purchase price. Your monthly payment includes principal, interest, property taxes, homeowners insurance, and potentially mortgage insurance.
A mortgage pre-approval helps you understand what your payment may look like so you can plan accordingly.
Identify opportunities to improve your financial profile
The pre-approval process provides a detailed look at your financial situation. If there are areas that need improvement, such as credit score or debt level, you can address them early on.
This is especially helpful for first-time homebuyers who may be navigating the process for the first time.
Be prepared for costs
Many buyers focus on the purchase price but overlook the additional costs associated with buying a home. A mortgage pre-approval includes estimates for closing costs, giving you a clearer picture of your total financial commitment.
For additional guidance, APM offers a helpful free resource for first-time homebuyers: https://www.apmortgage.com/fthb-guidebook.
How Long Does a Mortgage Pre-Approval Last?
A typical mortgage pre-approval is valid for about 60 days. If your home search takes longer, you may need to update your financial information to renew your pre-approval.
Keeping your documentation current ensures that your buying power remains accurate throughout the process.
What Do You Need for a Mortgage Pre-Approval?
To get pre-approved, you will typically need to provide:
- Proof of income, such as pay stubs or tax returns
- Bank statements and asset documentation
- Employment verification
- Credit history authorization
- Information about existing debts and obligations
Working with a knowledgeable Loan Advisor can help streamline this process and ensure that nothing is overlooked.
Why Mortgage Pre-Approval Is Especially Important for First-Time Homebuyers
For a first-time homebuyer, the homebuying process can feel overwhelming. A mortgage pre-approval provides a clear starting point and a roadmap for what comes next.
It helps you:
- Understand your buying power
- Set realistic expectations
- Avoid delays during the loan process
- Move forward with confidence
Having a trusted mortgage advisor can make all the difference in navigating your first home purchase.
Frequently Asked Questions About Mortgage Pre-Approval
What is mortgage pre-approval, and why is it important?
Mortgage pre-approval is a lender’s verified estimate of how much you can borrow. It’s important because it helps you understand your budget and strengthens your offer when buying a home.
How is mortgage pre-approval different from pre-qualification?
Mortgage pre-approval involves verified financial documents and a credit check, while pre-qualification is based on unverified information and provides only an estimate.
Does mortgage pre-approval guarantee a loan?
No. A mortgage pre-approval is a conditional commitment based on your current financial situation. Final approval depends on additional factors, including the property and updated documentation.
Can a first-time homebuyer get pre-approved?
Yes. Mortgage pre-approval is one of the most important steps for a first-time homebuyer and helps establish a clear path forward in the homebuying process.
How long does it take to get pre-approved?
In many cases, mortgage pre-approval can be completed within a few days once all required documentation is submitted.
Start the Homebuying Process with Confidence
Anyone can say they want to buy a home. A mortgage pre-approval is what turns that intention into a real opportunity.
By starting with a mortgage pre-approval, you gain clarity on your budget, prepare for the costs of buying a home, and position yourself as a serious buyer in the market.
At American Pacific Mortgage, our employee-owned model means your success is our success. Our Loan Advisors take a consultative approach to help you navigate the mortgage pre-approval process and move forward with confidence.
To get started, connect with a local APM Loan Advisor: https://bit.ly/APMLoanOfficer.
Trump says Xi agrees Iran must open strait, China says war should not have started
Trump says Xi agrees Iran must open strait, China says war should not have started

