How to Tell if the Stock Market Is in a Bubble
Speculative stocks—these are soaring
Cryptocurrency prices—also surging
Stock valuations—these are stretched, on measures such as the extra yield stocks offer compared with Treasurys
Market "breadth"—the rally has widened, usually taken as a sign of a sustainable bull market
Economic health—the U.S. economy is chugging along, albeit with some signs of weakness. 🔎 Go deeper:
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Hotels.com discount codes for August 2025 – how to save 10% or more
Whether you're looking for a summer city break, a European beach getaway or a Thailand backpacking adventure, has plenty of options to get excited about. With everything from stately castles to sleek high rises and boutique boltholes, our team of deal experts is pulling back the covers on how to stay in your dream hotel for less. Here are all the best ways to save money on your booking. The best ways to save at Apply a discount code You can almost always save 10 per cent or more on your booking by applying a promo code. To apply the code that we've listed above, continue to the booking confirmation screen, where you'll see an 'Apply a coupon code' field under the hotel summary section. Paste in your code and apply to see your booking cost reduce. Sign up for a one key membership One key is a free loyalty program, available for UK and US customers, where you work your way up the tiers for more benefits. All members start with a blue tier membership, moving up to silver, gold and platinum, unlocking more perks with each level. Here's a breakdown of what you get: Blue: Save 10 per cent or more on over 100,000 hotels worldwide Silver: Get 15 per cent or more off member pricing for 10,000+ hotels, plus three per cent one key cash (aka rewards points) towards future stays and hotel food or drink perks. Gold: Save 20 per cent or more thousands of hotels, plus room upgrade and four per cent one key cash and hotel food or drink perks. Platinum: All of the as above, plus six per cent one key cash and VIP customer support. You earn one key cash on eligible bookings, which starts at two per cent and increases with each tier. These accumulated rewards points can be used towards future hotel or car hire booking. As well as the one key membership can be used on partner sites Expedia and Vrbo, meaning more opportunities to build up your perks and discounts. You will automatically build up your one key cash pot in your account after completing eligible trips and your balance won't expire, as long as you make at least one eligible booking within an 18 months. Student and NHS discounts Students can get 10 per cent off on bookings via Unidays or Student Beans. Similarly, NHS staff and healthcare workers can also take advantage of this discount with a Health Service Discounts account. These offers can be used on top of existing member pricing or site-wide promotions. To redeem your unique code from any of these sites, simply register with a valid ID or login to your account, copy your code and apply it at checkout. Last-minute deals If you're flexible on dates or enjoy a spontaneous getaway, then you can save 20 per cent or more with last-minute hotel deals. There are plenty of reduced rates on offer, including weekend breaks in cities such as London and Paris from £200 per night. You can even book rooms on the same day, which are sometimes cheaper than normal as its the hotel's last chance to fill the room. Save with sales doesn't have a dedicated sale page, however you can expect flash sales and limited time promotions during seasonal events and key sales period, such as Black Friday, Boxing Day, Valentine's Day and in the run-up to summer. Use Tesco clubcard vouchers Tesco Clubcard members can double their voucher value, starting from £5, and use it towards any booking. For example, £10 worth of Clubcard vouchers is converted to £20 in credit. To redeem, simply login to your Tesco Clubcard account in the app or online, exchange the voucher for a code and then paste it into the coupon field at checkout. If you have any issues, try booking via the dedicated link via the Tesco Clubcard page. Group discounts offers up to 70 per cent off for group bookings of nine rooms or more. From corporate travel and wedding parties, to travelling with friends or family, it's well worth getting a direct quote from the customer service team to see if this beats any other rates. In fact, guarantees to meet or beat the price of any other quotes for the same number of rooms at another hotel of comparable quality. What to know before you book Flexible vs non-refundable rates Flexible bookings usually let you cancel up to 24 hours before check‑in for a full refund. Whilst non‑refundable rates are cheaper, they do come with a risk of losing more money should you need to change or cancel your booking. We recommend checking the cancellation policy on the room page, as times and terms vary by hotel. To amend or cancel, head to the 'Trips' tab on the main menu and click on the relevant booking. You will see options to change or update the booking, where you can follow the prompts until you reach your desired outcome. Mobile app vs website bookings It's worth downloading the app to take advantage of app-exclusive deals and lower rates. You can also set up push notifications and alerts for sales or price drops, and easily manage your booking in just a few clicks. Price match promise You can book with peace of mind that you're always getting the best deal, thanks to the price promise. This means that if you find the same room cheaper elsewhere, even after booking, you'll be refunded the difference. Just make sure to submit your claim before 11:59pm the day before check‑in. Other important details include: The cheaper rate must be for the same hotel, room type, dates, cancellation policy and currency. You can't claim on stays booked via other platforms' promotions (such as package deals, discount codes or membership pricing) The price promise is only applicable to refundable bookings. How we choose the best discount codes The team at The Independent specialises in finding the best travel deals and discount codes. We focus on great offers for hotels, flights and package holidays, ensuring that we only recommend deals we would use ourselves. If you're interested in package deals or all-inclusive options, be sure to check out the latest offers from Tui, First Choice and Loveholidays. Why you can trust us Since 1986, The Independent has been a trusted consumer advocate, harnessing extensive experience to uncover the finest deals and discounts. Whether you're planning the perfect getaway or taking advantage of major shopping events like Amazon Prime Day, Black Friday, and Boxing Day sales, our dedicated team is committed to finding you the best money-saving opportunities. We handpick exceptional offers from brands we believe in, ensuring you get the incredible value you deserve. *See the website for full terms and conditions for all offers featured on this page. 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Yahoo
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EBay Gains as Resilient Consumers Fuel Strong Sales Forecast
(Bloomberg) -- EBay Inc. shares jumped in early trading after the company projected sales that topped analysts' estimates, suggesting optimism for continued consumer resilience at a time of shifting US tariff proposals. The World's Data Center Capital Has Residents Surrounded An Abandoned Art-Deco Landmark in Buffalo Awaits Revival Budapest's Most Historic Site Gets a Controversial Rebuild San Francisco in Talks With Vanderbilt for Downtown Campus We Should All Be Biking Along the Beach Revenue will be $2.69 billion to $2.74 billion in the period ending in September, the company said Wednesday in a statement. Profit, excluding some items, will be $1.29 to $1.34 a share. Analysts, on average, estimated sales of $2.65 billion and per-share earnings of $1.31, according to data compiled by Bloomberg. Investors have been seeking clues about how consumers are reacting to President Donald Trump's trade war, which is expected to fuel inflation. EBay has seen the sale of used and refurbished goods grow faster than other categories with shoppers eager to save money. Purchasing power from US consumers grew through various product categories, helping offset softer demand in European markets, including the UK and Germany, Chief Executive Officer Jamie Iannone said in an interview. Chinese sellers affected by the US closing the de minimis tariff loophole, which exempts low-value shipments from import duties, successfully pivoted to other markets in Europe, he said. 'We're not immune to tariffs, but our platform is more resilient,' he said. The shares rose 13% in premarket trading on Thursday after closing at $77.56 in New York. The stock has increased 25% this year, compared with a 8.2% gain in the S&P 500. Second-quarter profit, excluding some items, was $1.37 a share. Revenue increased 6% to $2.73 billion. Analysts, on average, estimated $1.30 per share on sales of $2.64 billion. Gross merchandise volume, the value of all goods sold on eBay, rose 6% to $19.5 billion during the second quarter, topping the average estimate of $18.9 billion. The company said it had 134 million active buyers as of June 30, in line with estimates. (Updates with premarket shares.) Russia Builds a New Web Around Kremlin's Handpicked Super App Burning Man Is Burning Through Cash It's Not Just Tokyo and Kyoto: Tourists Descend on Rural Japan Everyone Loves to Hate Wind Power. Scotland Found a Way to Make It Pay Off Cage-Free Eggs Are Booming in the US, Despite Cost and Trump's Efforts ©2025 Bloomberg L.P.
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9 minutes ago
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Wesbanco Inc (WSBC) Q2 2025 Earnings Call Highlights: Strong EPS Growth and Strategic ...
Release Date: July 30, 2025 For the complete transcript of the earnings call, please refer to the full earnings call transcript. Positive Points Wesbanco Inc (NASDAQ:WSBC) reported a significant increase in earnings per share to $0.91, excluding merger-related charges, demonstrating strong financial performance. The company achieved a net interest margin of 3.59%, reflecting improved profitability. Fee income grew by 40% year over year, driven by both the acquisition of Premier Financial and organic growth. Successful integration of Premier Financial's customer data systems, transitioning approximately 450,000 relationships seamlessly. Organic loan growth was strong, with a 6% year-over-year increase, and the commercial loan pipeline remains robust at $1.3 billion. Negative Points There was a decline in deposits quarter over quarter due to normal seasonality and intentional runoff of higher-cost CDs. The company experienced an increase in commercial real estate (CRE) payoffs, which could impact future loan growth. Non-interest expenses increased by 47.5% year over year, partly due to the addition of Premier's expense base and higher FDIC insurance costs. The efficiency ratio, although improved, still indicates room for further cost management improvements. Potential headwinds to margin growth in the third quarter due to the repricing of CDs and lower purchase accounting accretion. Q & A Highlights Q: Can you provide some insights on the increase in credit size and how you maintain credit culture while expanding your footprint with LPOs? A: (Jeff Jackson, CEO) The increase in credit size is mainly due to regrading some Premier clients we acquired. We expect improvements in the third quarter with upgrades and payoffs. Regarding LPOs, we maintain the same underwriting and credit policies across all markets, with experienced credit officers approving credits. Our credit quality has been strong in LPO markets, and we expect this to continue. Q: How do you prioritize capital deployment among dividends, organic growth, and M&A? A: (Jeff Jackson, CEO) Our priority is dividends, followed by organic growth, which is our main focus. We are excited about opportunities in the Premier footprint and new LPOs in Knoxville and Northern Virginia. M&A and buybacks are lower priorities. We aim to execute the Premier transaction and grow in those markets while expanding our healthcare strategy. Q: Is mid-single-digit loan growth a sustainable target for WesBanco, considering the Premier acquisition and new LPOs? A: (Jeff Jackson, CEO) We are targeting mid to upper single-digit growth. While CRE payoffs have increased, our balance sheet allows for continued expansion potential. Our pipelines are strong, and we feel confident about achieving mid to upper single-digit growth, especially in the second half of the year. Q: With over 250 branches, is branch rationalization a consideration for cost savings? A: (Jeff Jackson, CEO) We regularly evaluate branch efficiency and profitability. We will review our branches in the second half of the year for potential closures, which could lead to cost savings. However, no specific numbers are available yet. Q: What are your expectations for net interest margin accretion in the coming quarters? A: (Dan Weiss, CFO) We expect accretion to be in the high 20s in the third quarter, dropping to mid-20s in the fourth quarter, with a basis point reduction per quarter over the next six quarters. This reflects our modeling and anticipated trends. For the complete transcript of the earnings call, please refer to the full earnings call transcript. This article first appeared on GuruFocus. Error in retrieving data Sign in to access your portfolio Error in retrieving data Error in retrieving data Error in retrieving data Error in retrieving data
