Citi Merchant Offers are similar to Amex Offers and Chase Offers. With these offers, Citi credit cardholders can unlock additional savings and benefits when making purchases with select merchants. They include discounts or cashback rewards tailored to cardholders’ spending habits and preferences.
Citi Merchant Offers are available for all Citi cardholders, although specific offers might still be targeted. Some people are now seeing an offer that can save you $50 on your AT&T bill. The offer terms state that it only applies to new plans, but it usually works on existing plans as well. If you have the offer on multiple Citi cards, it can be quite lucrative. Check out the details below.
Offer Details
Earn $50 back on a purchase of a new eligible wireless plan of $65 or more.
This offer is available again through June 30, 2026.
Visit att.com/MobilityMC for more information.
Find your Citi Merchant Offers here.
Important Terms
May be redeemed 1 time(s) by the offer end date.
Offer valid one time only for new AT&T Wireless customers who purchase an eligible wireless plan (min. $65/mo. after discounts).
Payment must be made directly with the merchant.
Offer not valid on any smartphone, accessories purchases, AT&T Prepaid, or Cricket Wireless products or services.
Valid in the US and US territories.
Guru’s Wrap-up
With this AT&T Citi Merchant Offer you can save $50 on your bill when you pay $65 or more. The fine print says that the offer is for new wireless plans, but it has worked for existing customers in the past. It may even work for other AT&T services.
You can take advantage of this offer by simply using your Citi credit cards for eligible transactions. Just make sure you enroll in the offer first, before making a purchase. You can enroll multiple Citi credit cards for this same offer, as long as the offer shows up in that account.
Once you add the offer, use that card to make a payment of $65 or more and you will receive a $50 credit. I the past this offer has also worked for other AT&T services, so give those a try as well if you don’t have AT&T wireless.
This time around I see the offer on my Citi Strata Premier and Citi Custom Cash cards. Let me know if you have this Citi AT&T offer in your accounts!
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Start with pension allocation. Nigeria’s pension assets reached ₦26.66 trillion as of October 2025, with roughly 60%, or about ₦16 trillion, invested in government securities. If the real return on government paper has been negative for most of the past 15 years, then millions of retirement savers were not just earning low returns. They were losing purchasing power while their nominal balances increased.
This is not unique to Nigeria. The OECD’s 2024 pension report, using 2023 data, found that pension systems in Nigeria, Angola, and Egypt, where more than half of assets are allocated to bills and bonds, delivered negative real returns. Recent increases in Nigeria’s pension fund equity allocation limits are directionally positive. But they are modest relative to the scale of the problem.
Under the old CPI methodology, a 91-day T-bill yielding 18% against inflation at 34.8% was clearly negative in real terms. Under the rebased CPI, a yield of 15% against inflation of 15.15% appears roughly neutral. Has the underlying reality improved, or has the measurement changed?
The answer is both.
Inflation has genuinely moderated. Monthly CPI increases fell below 1% for several consecutive months in the second half of 2025. But the rebase also lowered measured inflation by roughly 10 percentage points. Without a continuous series, it is difficult to separate these effects.
What is clear is that the sign has shifted.
From August 2025 through January 2026, real returns turned positive for six consecutive months. January 2026 was the strongest month, with a +4.39% real return, driven by a 2.88% month-on-month decline in CPI alongside a 1.38% nominal T-bill return. The real return index rose from 984 to 1,027, above its base level of 1,000 for the first time.
After 15 years of negative returns, cash is no longer guaranteed to destroy purchasing power. Whether that shift proves durable remains an open question.
SoFi Technologies(SOFI +2.14%) stock rose 13% in May, according to data provided by S&P Global Market Intelligence. The financial superstar announced the launch of SoFiUSD, a bank-issued U.S. dollar stablecoin, sending the sagging stock higher.
High growth, slow stock
SoFi has been demonstrating outstanding performance over the past few years, and it kept it up in the 2026 first quarter. Adjusted net revenue increased 41% year over year, and earnings per share rose from $0.06 to $0.12. It added a record 1.1 million new members for a total of 14.7 million, leaving open a long growth runway as it attracts new users.
There were strong results across most of the business. The lending business, which is the company’s core segment, has been gaining momentum despite stubbornly high interest rates. Revenue was up 55% year over year in the quarter, a comeback from low growth when interest rates started rising. All categories were strong, with a 137% increase in home loans.
Image source: Getty Images.
Financial services revenue was up 41%, which was a bit of a slowdown from previous quarters. The third segment, tech platform, has been a bit of a drag. Although it has had some stronger quarters, it was down 27% from last year. Management has praised it as a financial infrastructure that allows it to roll out products quickly, but the market has been skeptical about its value. The current decline was due to a large client that left the platform.
High innovation finance
SoFi touts itself as the “one-stop shop” for financial needs and “a member-centric, everything app for digital financial services.” It’s constantly launching new products and services, and although many of them are traditional financial services that underpin a strong foundation, like bank accounts and loans, it distinguishes itself with innovative offerings. It recently brought back cryptocurrency trading to the platform, and it has pledged to add more blockchain services to lower costs and improve speed.
Today’s Change
(2.14%) $0.39
Current Price
$18.61
Key Data Points
Market Cap
$24B
Day’s Range
$17.70 – $18.80
52wk Range
$13.23 – $32.73
Volume
45.1K
Avg Vol
67M
Gross Margin
61.74%
The latest release is the SoFiUSD stablecoin. Management says that it’s the first-ever U.S. bank-issued stablecoin available for use directly on a banking app, and it’s aiming to integrate more digital tools and assets within its platform, leveraging the blockchain to improve the user experience. Over the next few months, it plans to add more features to the product and offer a greater synthesis of its stablecoin with its standard financial offering.
SoFi stock has plunged this year despite its excellent performance, but it continues to impress the market with its disruptive financial platform, and investors might want to buy in on its way back up.
Warner Music has appointed Jean-Sebastien ‘Seb’ Permal as Senior Vice President of A&R, EMEA and Central Europe.
In the newly-created role, Permal will lead all domestic frontline activity across Warner Music Central Europe and its domestic labels in Germany, Switzerland, Austria, the Netherlands and Belgium.
He joins from Sony Music, where he most recently served as VP of A&R for Continental Europe and Africa.
Permal will also lead A&R strategy, artist discovery and signings, and strategic partnerships across EMEA.
He reports to both Simon Robson, President, Warner Music EMEA, and Niels Walboomers, President, Warner Music Central Europe, and will be based in Berlin.
Warner Music combined its recorded music businesses in Benelux with those in Germany, Switzerland and Austria under the WM Central Europe banner in October, with Walboomers named President of the expanded region.
The company says the territories that make up WM Central Europe represent the third-largest recorded music market in the world, after the US and Japan, based on IFPI trade revenue figures.
Across a career spanning over a decade, Permal has worked with Amelie Lens, DYSTINCT, Oxlade, Purple Disco Machine, and Sam Feldt.
At Sony Music, he built partnerships including Avalon (Netherlands and Morocco), Crux Global (Ghana), and Signatune (France).
He also founded the electronic label ‘noted. records’, home to Anfisa Letyago and Victoria De Angelis of Måneskin.
“Seb is a world-class A&R executive who pairs an intuitive ear for talent with a sophisticated grasp of the cultural nuances shaping today’s global market.”
Simon Robson, Warner Music
Simon Robson, President of EMEA, Warner Music, said: “Seb is a world-class A&R executive who pairs an intuitive ear for talent with a sophisticated grasp of the cultural nuances shaping today’s global market.
“His appointment underscores our commitment to the vibrant talent across EMEA and ensures our artists are supported by the industry’s best.
“With Seb’s leadership, we’re perfectly positioned to amplify our artists’ reach and connect them with audiences on a truly global scale.”
“He has a proven track record of nurturing artists from the ground up and helping them maintain their authentic voice.”
Niels Walboomers, Warner Music
Niels Walboomers, President, Warner Music Central Europe, added: “I have long admired Seb’s creative vision and his data-driven, yet artist-centric, approach to A&R.
“He has a proven track record of nurturing artists from the ground up and helping them maintain their authentic voice while achieving big success. Having him join our team in Berlin is a major win for Central Europe and the wider EMEA region.”
Commenting on his appointment, Permal added: “I joined Warner Music because of its ambition not just to discover talent, but to redefine how artists break at home, across the region, and globally.
“I’m excited to work with our teams to build the partnerships and infrastructure that turn local sound into global culture.”
“I joined Warner Music because of its ambition not just to discover talent, but to redefine how artists break at home, across the region, and globally.”
Jean-Sebastien Permal, WARNER MUSIC
Born and raised on Mauritius, Permal moved to Europe in 2014, first to Vienna and then to Germany, where he launched his career as an independent manager and music publisher.
He joined Four Music, Sony Music Germany’s label, in 2017, before expanding his A&R remit across Continental Europe and Africa in 2018. He was named Director of A&R for Continental Europe and Africa in 2021, before his promotion to Vice President of A&R in 2022.
His appointment follows the launch of Spinnin’ Records Germany in April, as Warner Music Central Europe continues to build out its operations across the region.
Elsewhere at Warner Music globally, the company promoted Jieun Kim to President of Warner Music Korea in May.
Also in May, Warner Music Finland launched Atlantic Records Finland, a frontline label led by Fredi Lundén and Kristiina Wheeler.Music Business Worldwide
Update 2/9/26: Deal is back at 15%, up to $6 back. Expires 2/13/26. Can buy an Aldi gift card. (ht RM)
The Offer
Check your AmEx Offers for the following deal:
Get 10% back as a statement credit by using your enrolled eligible Card to make purchases in-store at Aldi or online at aldi.us for in-store pick up by 12/31/2023. Excludes delivery. Limit of $15 back in total statement credits.
The Fine Print
Offer valid in-store at Aldi locations in the US and for in-store pick up orders placed online only at US website aldi.us.
Excludes online delivery orders, and orders placed through third parties.
Valid only on purchases made in US dollars.
Our Verdict
Sweet offer, a lot of people will consider Grocery Store credits as good as cash. I found this offer on all of my cards. Be sure to save it on a card that earns high rewards at the Grocery.
Some (all?) Aldi stores carry a nice selection of gift cards – including Shell, Ebay, Amazon, Lowes, Home Depot and more.
Thanks to all those who let us know about this offer. There’s a similar Chase Offer available for Aldi as well.
View more Amex offers here & if you have any questions about American Express offers then read this post.
AmEx Offers: An Introduction & Profitable Examples
How To Sign Up For Multiple American Express Sync Offers
Amex Offer Credit Not Posting, What to Do?
How Does American Express Decide Who Receives What AmEx Sync Offer?
Do I Need To Make A Single Purchase For AmEx Offers, Or Is It Cumulative?
What Happens When You Have Two Active AmEx Offers For The Same Store?
Amex Offers: Do Electronic Wallets Trigger the Offer Credit?
Do Amex Offer Deals Work on the Purchase of Gift Cards?
Multiple organizations in the mortgage industry sent a joint letter to the Federal Housing Finance Agency expressing support in President Donald Trump’s March executive order and asking Director Bill Pulte to update the appraisal process.
Processing Content
The consortiums requested Pulte and the agency to consider expanding the use of hybrid valuation methodologies, increasing the deployment of value acceptance and sharing more data with appraisers, according to the letter sent Friday.
“Everything can always be optimized, especially as technology becomes better and better,” said Brendan McKay, co-founder of the Broker Action Coalition, one of the eight organizations that signed the letter.
The organizations said the marketplace and consumers can benefit from technological advancements through the use of hybrid valuations, which utilizes a scanning technology to complete appraisals at a significantly lower cost. The process includes allowing borrowers, real estate agents and loan officers to photograph the interior and exterior of a property, and then the appraiser uses the data obtained by the scanning technology to complete their report. This protocol was successfully used during the pandemic, the letter said.
This method is cheaper and five times more efficient than the typical appraisal process, which requires an appraiser to drive to the property, record the measurements and drive back, McKay said.
“The requirements to become an appraiser are extremely high, and that … has made it very difficult to recruit new people as appraisers,” he added. “The scanning technology will help with that, in addition to lowering some of the too high requirements to become an appraiser in the first place.”
The organizations also recommended expanded value acceptance, permitting waiver of the appraisal requirement for low-risk properties, by the government-sponsored entities. Value acceptance has been confined to properties with values at or below $1 million since Fannie Mae first introduced it in 2016, when the high-cost area loan limits for GSE loans were $625,500. That limit has since increased to $1.25 million.
The letter proposed raising the value acceptance limit to $2-million properties, but McKay said there shouldn’t be a limit at all and the data should speak for itself.
“I don’t think the logic holds up to having a hard cap ceiling,” he added. “I’m generally a believer that any time you have policies like this, they should include automatic increases over time.”
The final suggestion made was that the entities should allow greater access to the GSE Uniform Collateral Data Portal, which the letter described as the most expansive set of property data. The organizations recommended the entities provide appraisers with limited access to the appraisal dataset, possibly using features from Collateral Underwriter and Loan Collateral Advisor, to improve appraisal reliability, reduce costs and improve borrower experience.
The Housing Policy Council organized the joint letter to share the industry’s excitement for the executive order and offer a few recommendations, McKay said. Section six of the executive order, issued March 13 and titled “Promoting Access to Mortgage Credit,” said Pulte will consider modernizing appraisal regulations and guidance, simplifying appraiser qualification requirements and reducing appraisal requirements for low-risk transactions.
Many of the same organizations sent joint letters to the Federal Housing Administration and Department of Veterans Affairs over the last two months regarding appraisal issues as well.
At age 47, Neil Whitney was running an HVAC company in Slidell, Louisiana, and working every hour he had. He and his wife weren’t struggling in any dramatic way. They were just stuck living paycheck to paycheck, with no cushion and no retirement plan.
Then one rainy weekend, his wife dragged him to the back room to watch a Lifetime movie. A man gets hit by a dump truck, loses his job, and ends up living in a minivan under a bridge with his family. It freaked Neil out, and he felt like he was one bad accident away from being like that guy.
The next Monday, his boss happened to hand him a copy of Rich Dad, Poor Dad. After reading, he told his wife that they needed to get into real estate. She said fine, but on one condition: He couldn’t touch their bank account. So he signed up for Uber, and 18 months later, he had $16,000 saved and bought his first rental property.
Less than a decade later, Neil owns 23 doors and clears $8,000 a month in passive income. Here’s how he did it.
You had no savings and couldn’t touch your bank account. How did you fund your first deal?
I drove Uber every free moment I had: Friday nights, Saturdays, Sundays. I had a spot near a swamp tour that came in every day at 11, and I’d grab that airport run into the city every single week.
After about 18 months, I had saved enough to buy a little 900-square-foot, two-bedroom house in Pearl River, Louisiana, for $70,000. I put $14,000 down on a conventional loan. The previous owner had already fixed it up with new tile, crown molding, and fresh paint, so we were able to rent it out for around $800 a month and cleared about $100 after the mortgage. It wasn’t life-changing money, but we were in the game.
How did you go from one single-family home to 23 doors?
The second deal changed everything. I discovered how much equity I had built in my primary home and pulled a HELOC to buy a fourplex listed on the MLS for $312,000. Put 25% down using that line of credit, kept the tenants already in place at $650 per unit, and renovated each unit as people moved out with new cabinets, countertops, and vanities.
Our rents went from $650 to $1,000 per unit. The fourplex now brings in $4,000 a month. We paid off the HELOC pretty fast and kept repeating the same formula: Find a deal on the market, buy it with conventional financing, fix it up over time, raise the rents, repeat.
What do you tell someone who thinks they’re too old or too broke to start?
Make a decision. Not “I’ll try.” Just make a real decision.
At 47, I had nothing. I drove Uber in the middle of the night to scrape together my first down payment. Nobody handed me anything. But I decided I was never going to be that guy in the movie, and I never looked back.
If I can do this, anybody can. The basics really do work. You buy properties, get them to cash flow, treat your tenants like the best customers you ever had, and never sell.
It’s not rocket science. It’s just boring fundamentals executed consistently over a long period of time.
With less than two weeks until kickoff, the 2026 World Cup—co-hosted by the U.S., Canada, and Mexico—has not been without some headaches, including sky-high ticket prices and unfilled hotel reservations. But for Nike and U.S. Soccer, the focus has been purely on putting the national team in position to make a deep run on home soil.
Speaking at Fortune’s COO Summit in Scottsdale on Monday, Dan Helfrich, COO of the U.S. Soccer Federation, said the team’s jersey alone reflects those stakes. Designed in close collaboration with Nike, it was the result of a six-year process involving supply chains, manufacturing innovation, and, crucially, the players themselves.
“It involved putting our players at the center of it,” Helfrich said. “We actually had two years of focus groups and design sessions with Nike designers and our players—both for the aesthetic look [and] the performance feel.”
Helfrich, the former CEO of Deloitte Consulting, said all the players—which includes star forward Christian Pulisic—have described it as the best-looking and best-feeling jersey they’ve worn.
“You’re looking for an advantage,” he said. “The margins are very thin on the field… that kit holds in its performance feel, but also the energy it’s giving our players, because they like the way they look. We believe it’s a real advantage.”
Nike used obsessive procession to design jerseys for 18 soccer federations, including the U.S.
For Nike, which outfits 18 national soccer federations—including also France, Croatia, and China—the World Cup is an operational challenge measured in Olympic-scale complexity.
Venkatesh Alagirisamy, Nike’s executive vice president and chief operating officer, described the undertaking as years of preparation for a tournament that lasts only weeks.
“It takes four years of preparation to execute four weeks of World Cup games to leave a lasting impression for the next four years,” Alagirisamy said on the Fortune panel titled “Game On: The Operational Engine Behind the World Cup.”
This year, heat became a central design challenge amid concerns the 2026 tournament could become one of the hottest World Cups on record.
Nike’s solution relied on computational modeling to determine exactly where airflow vents should sit and how they should be structured to cool athletes most effectively. The jerseys are built with custom knit materials and engineered yarn designed to sit slightly off the skin, creating channels for air flow. According to Alagirisamy, the result is roughly double the ventilation of a conventional jersey.
“That’s the level of obsession that we put in place as we think about these games,” Alagirisamy said.
How U.S. soccer is using AI to find its next World Cup-ready stars
Looking beyond the tournament itself, Helfrich said a central part of his mission is ensuring the World Cup-inspired soccer obsession doesn’t become a “fleeting moment” — but instead serves as a broader jumpstart for the sport across the country.
“We feel a deep responsibility. We are a nonprofit that is charged with growing the game, making the game safe, making the game more affordable and accessible to people in every community in America,” he said.
U.S. Soccer is increasingly using AI to identify American-eligible players competing in leagues around the world—a talent pool traditional scouting methods have historically struggled to reach. On any given day, he estimated, between 50 million and 70 million boys and girls are playing soccer globally. Many may qualify to play for the U.S., but scouting them manually is nearly impossible.
“Historically, how do you get your scouts, your humans, to all of those places? You can’t,” he said. “So automatically you’re excluding 99-and-a-half percent of people.”
As video availability expands across youth sports and AI tools improve, Helfrich said U.S. Soccer increasingly sees a future where nearly every game played by an eligible athlete can be analyzed. Models can be trained to identify positional traits and performance indicators, surfacing prospects regardless of where they play.
But he was careful not to declare the human scout obsolete.
“There’s other stuff we care about that we can’t train AI on yet,” Helfrich said. “What’s the tone of voice of a player to a teammate when the teammate makes a mistake? What’s the body language when the team goes up or goes down? And how does it evolve?”
The future, he said, is unambiguously a humans-and-machines model—and one he finds genuinely energizing: “In my old job I had a lot of examples that weren’t as fun. This one is a fun one to relate to.”
The World Cup opens June 12. The U.S. men’s national team will face Paraguay that same day in Inglewood, California.
