<?xml version="1.0" encoding="UTF-8"?><rss xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:atom="http://www.w3.org/2005/Atom" version="2.0" xmlns:itunes="http://www.itunes.com/dtds/podcast-1.0.dtd" xmlns:googleplay="http://www.google.com/schemas/play-podcasts/1.0"><channel><title><![CDATA[Cereese Receipts: Wallet Check]]></title><description><![CDATA[Your personal finance reality check. Tracing money moves from regulatory changes, market dynamics, hidden charges, and corporate decisions straight to your pocket. Backed by research and data, because knowing about real costs shouldn’t be just for CFOs.]]></description><link>https://www.cereesereceipts.com/s/notebook</link><image><url>https://substackcdn.com/image/fetch/$s_!iaTB!,w_256,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2Facadd1e8-db4c-4863-91e5-86142f1fa5ce_1080x1080.png</url><title>Cereese Receipts: Wallet Check</title><link>https://www.cereesereceipts.com/s/notebook</link></image><generator>Substack</generator><lastBuildDate>Fri, 15 May 2026 16:11:06 GMT</lastBuildDate><atom:link href="https://www.cereesereceipts.com/feed" rel="self" type="application/rss+xml"/><copyright><![CDATA[Cereese Blose]]></copyright><language><![CDATA[en]]></language><webMaster><![CDATA[cereese@substack.com]]></webMaster><itunes:owner><itunes:email><![CDATA[cereese@substack.com]]></itunes:email><itunes:name><![CDATA[Cereese Blose]]></itunes:name></itunes:owner><itunes:author><![CDATA[Cereese Blose]]></itunes:author><googleplay:owner><![CDATA[cereese@substack.com]]></googleplay:owner><googleplay:email><![CDATA[cereese@substack.com]]></googleplay:email><googleplay:author><![CDATA[Cereese Blose]]></googleplay:author><itunes:block><![CDATA[Yes]]></itunes:block><item><title><![CDATA[7 Ways to Tell If a Job Posting Is New (and why it matters)]]></title><description><![CDATA[The current job market is stuck in a "low-hire, low-fire" limbo, leaving job seekers more desperate than ever to get as much of an edge as possible.]]></description><link>https://www.cereesereceipts.com/p/7-ways-to-tell-if-a-job-posting-is</link><guid isPermaLink="false">https://www.cereesereceipts.com/p/7-ways-to-tell-if-a-job-posting-is</guid><dc:creator><![CDATA[Cereese Blose]]></dc:creator><pubDate>Sat, 28 Mar 2026 22:08:48 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!l8QE!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>The current job market is stuck in a "<a href="https://www.stlouisfed.org/on-the-economy/2026/mar/effects-low-fire-low-hire-economy-workers">low-hire, low-fire</a>" limbo, leaving job seekers more desperate than ever to get as much of an edge as possible. For many, that means sorting listings by date to get in on the ground floor. </p><p>Early applicants are up to eight times more likely to result in an interview according to research from TalentWorks. But when platforms don't clearly distinguish between a brand-new opening and a listing that's been cycling for weeks, you're applying with incomplete information.</p><p>The unfortunate truth is that job platforms don&#8217;t always show you when a role was first posted. They show you when it was last refreshed, re-indexed, or promoted &#8212; and they rarely tell you the difference.</p><p>Here&#8217;s seven methods you can use to figure out how new a listing <em>really</em> is.</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!l8QE!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!l8QE!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 424w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 848w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 1272w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!l8QE!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png" width="1456" height="807" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:807,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1462075,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://cereese.substack.com/i/192459557?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F81506cc6-8a83-4f8e-a870-516e164e4712_1456x1048.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!l8QE!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 424w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 848w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 1272w, https://substackcdn.com/image/fetch/$s_!l8QE!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F64c5c2af-358a-4be4-b287-d5b08a7c4e39_1456x807.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><h2>1. Cross-Check the Employer&#8217;s Career Page</h2><p>Most companies maintain their own career sites. The posting date there is usually more reliable than what appears on LinkedIn or Indeed.</p><p><strong>How to do it:</strong></p><ol><li><p>Open the job listing on LinkedIn or Indeed and follow the link to &#8220;Apply on company website&#8221; or navigate to the company&#8217;s careers page and search for the same role</p></li><li><p>Compare the dates</p></li></ol><p>If the company&#8217;s page shows a date that&#8217;s weeks or months older than what the job board displays, you&#8217;re looking at a refreshed listing, not a new one.</p><p><strong>What this tells you:</strong> The role has been open longer than the platform suggests. That could mean high competition, a stalled search, or a position the company is leaving up to maintain a talent pipeline.</p><h2>2. Look for the "Reposted" Label on LinkedIn</h2><p>LinkedIn tells Cereese Receipts the platform introduced a &#8220;Reposted X days ago&#8221; label last year to clarify when roles have been re-listed. When it appears, it&#8217;s useful. </p><p><strong>Why it matters:</strong> A &#8220;Reposted&#8221; label means LinkedIn may have re-ingested the job through an ATS sync, a paid promotion, or an employer edit.</p><p><strong>Caution:</strong> Treat the absence of a repost label as neutral information, not confirmation that a job is genuinely new. Always cross-check.</p><h2>3. Check LinkedIn's "Hiring Insights"</h2><p>Some LinkedIn listings include a small module with hiring signals:</p><ul><li><p><strong>&#8220;Actively reviewing candidates&#8221;</strong> suggests the employer is currently evaluating applications</p></li><li><p><strong>Typical response time</strong> shows how long the company usually takes to reply</p></li><li><p><strong>Number of applicants</strong> gives you a sense of competition! Plus, if a listing shows &#8220;posted today&#8221; but already has 200+ applicants, it&#8217;s likely been live longer than the timestamp suggests</p></li></ul><h2>4. Search for the Job ID or Exact Title</h2><p>Many job listings include a requisition number or job ID. Use it.</p><p><strong>How to do it:</strong></p><ol><li><p>Copy the job ID or exact title from the listing</p></li><li><p>Search for it on Google in quotes: </p><p>&#8220;Job ID 12345&#8221; &#8220;COMPANY NAME&#8221;</p></li><li><p>Look at the results from LinkedIn, Indeed, Glassdoor, and other aggregators</p></li><li><p>Check the cached or archived dates if available</p></li></ol><p>If the same job ID appears on multiple boards with different posting dates, or if a Google cache shows the listing from weeks ago, you know it&#8217;s been live longer than the current timestamp suggests.</p><h2>5. Set Up Alerts on the Company&#8217;s Website</h2><p>If you&#8217;re monitoring a specific company or role type, set up job alerts with the company&#8217;s own career page. You&#8217;re more likely to receive listings as soon as they&#8217;re posted with your preferred filters. Bonus, it&#8217;ll arrive right in your inbox. </p><h2>6. Pay Attention to &#8220;Promoted&#8221; Tags</h2><p>On LinkedIn and other job boards, some listings are labeled &#8220;Promoted.&#8221; These are paid placements that get more visibility.</p><p><strong>Why it matters:</strong> When a free listing&#8217;s applications slow down, employers can pay to promote it. The job gets a visibility boost, climbs back up search results, and may trigger notifications to candidates. Often, the posting date doesn&#8217;t reset. LinkedIn&#8217;s own documentation says promoted posts reach three times more applicants than unpaid ones.</p><p><strong>What to do:</strong> Treat promoted listings with extra scrutiny. If a job is promoted and shows a recent timestamp, check the employer&#8217;s site to see how long it&#8217;s actually been open.</p><h2>7. Use a Chrome Extension to Track Posting Dates</h2><p>Browser extensions can automatically flag job posting ages and track changes across platforms, doing the verification work for you.</p><p>How to do it:</p><ol><li><p>Install a job search extension like &#8220;LinkedIn Job Age&#8221; or &#8220;Indeed Job Tracker&#8221; from the Chrome Web Store</p></li><li><p>Browse jobs as usual &#8212; the extension will display additional date information directly on the listing</p></li></ol><p>Some extensions also track when you&#8217;ve already viewed a posting or flag jobs that have been reposted multiple times</p><p><strong>Why This Works:</strong> Extensions can surface metadata that platforms don&#8217;t show in the default interface like the original posting date, how many times a listing has been refreshed, or whether the same role has been reposted under different job IDs. <em>They automate the cross-checking you&#8217;d otherwise do manually.</em></p><p><strong>Caution:</strong> Extensions only work if they have access to the platform&#8217;s data or use web scraping to track changes over time. They won&#8217;t catch everything, but they can save you time.</p><div><hr></div><p>Once you&#8217;ve confirmed whether a listing is genuinely new or just refreshed, you can make better decisions about where to focus your effort.</p><p><strong>If the job is brand new:</strong></p><ul><li><p>Prioritize it. Early applications get more attention</p></li><li><p>Tailor your resume and cover letter </p></li><li><p>Submit within the first 48 hours if possible</p></li></ul><p><strong>If the job has been open for weeks:</strong></p><ul><li><p>Ask yourself why. Is it a hard-to-fill role? A backup listing? A pipeline post?</p></li><li><p>Consider whether the company is worth your time if they&#8217;ve been searching this long</p></li></ul><p><strong>If the job keeps getting refreshed:</strong></p><ul><li><p>This may signal the employer is keeping options open mid-process or waiting for the right fit</p></li><li><p>Apply if you&#8217;re genuinely interested</p></li><li><p>Manage your expectations on response time</p></li></ul><h2>Why Platforms Don&#8217;t Make This Easy</h2><p>Job boards make money by keeping employers engaged. When postings appear fresh, they generate more applications. When applications increase, platforms can show better engagement metrics to employers paying for premium visibility &#8212; even in a slow job market.</p><p>The Federal Trade Commission has moved against platforms that manipulate user behavior through misleading cues and manufactured urgency. As of March 2026, job board timestamps have largely escaped that scrutiny.</p><p>In the meantime, you&#8217;re not powerless. Cross-check dates, look for repost labels, track applicant counts, and verify details on the company&#8217;s own site. </p><blockquote><p><strong>Coming Monday:</strong> Why do job platforms make it so hard to tell when a posting is actually new? I investigated how LinkedIn and Indeed&#8217;s business models create a system where &#8220;posted today&#8221; doesn&#8217;t always mean what it says &#8212; and what the platforms could do differently but won&#8217;t.</p></blockquote><p><strong>Have you noticed mismatched posting dates between LinkedIn and employer sites? I&#8217;d like to hear about it.</strong> Email me at <a href="mailto:cereeseblose@gmail.com">cereeseblose@gmail.com</a> or message me on Signal: cereeseblose.57</p><p><em>Cereese Receipts is an independent publication. I believe understanding economy, business and tech should be accessible to everyone. </em></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe now&quot;,&quot;action&quot;:null,&quot;class&quot;:&quot;button-wrapper&quot;}" data-component-name="ButtonCreateButton"><a class="button primary button-wrapper" href="https://www.cereesereceipts.com/subscribe?"><span>Subscribe now</span></a></p><p><em>If you enjoy my writing, you can support it by sharing, commenting, or liking&#8212;or by sending a small donation through <a href="http://buymeacoffee.com/cereeseblose">Buy Me a Coffee</a>. It&#8217;s an easy way to say thanks and support independent writing. </em></p><p></p>]]></content:encoded></item><item><title><![CDATA[Why Gas Prices in Pittsburgh and Western Pennsylvania Are Rising Right Now (2026)]]></title><description><![CDATA[Here&#8217;s what&#8217;s really going on &#8212; and what you should be watching for next.]]></description><link>https://www.cereesereceipts.com/p/will-gas-prices-hit-4-pittsburgh</link><guid isPermaLink="false">https://www.cereesereceipts.com/p/will-gas-prices-hit-4-pittsburgh</guid><dc:creator><![CDATA[Cereese Blose]]></dc:creator><pubDate>Tue, 24 Mar 2026 14:19:01 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!YoLZ!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Gas prices are rising again in 2026. They jumped 22 cents in Western Pennsylvania just this week <a href="https://gasprices.aaa.com/">according to AAA.</a> </p><p>So if you&#8217;re double-checking the pump and skipping a Sheetz run, you&#8217;re not alone.</p><p>But experts warn the current global oil shock could send prices so high,  $3.96 per gallon might start to feel cheap.</p><p>That&#8217;s because the world is barreling toward <strong><a href="https://apnews.com/article/iran-war-australia-international-energy-agency-f1e7ccd313263fd63e695f43a2e68165">the biggest oil shock in modern history</a></strong><a href="https://apnews.com/article/iran-war-australia-international-energy-agency-f1e7ccd313263fd63e695f43a2e68165"> </a>according to the head of the International Energy Agency, Fatih Birol. </p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!YoLZ!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!YoLZ!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 424w, https://substackcdn.com/image/fetch/$s_!YoLZ!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 848w, https://substackcdn.com/image/fetch/$s_!YoLZ!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 1272w, 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srcset="https://substackcdn.com/image/fetch/$s_!YoLZ!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 424w, https://substackcdn.com/image/fetch/$s_!YoLZ!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 848w, https://substackcdn.com/image/fetch/$s_!YoLZ!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 1272w, https://substackcdn.com/image/fetch/$s_!YoLZ!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F50b6188d-79bf-47d1-a7bf-f4ab987e2660_554x486.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption">A.I.-generated graph using data from AAA compiled by <a href="https://stacker.com/stories/pennsylvania/pittsburgh/how-gas-prices-have-changed-pittsburgh-last-week">Stacker</a></figcaption></figure></div><div><hr></div><h2>Why are gas prices rising right now in 2026?</h2><p>The world is loosing <a href="https://www.nytimes.com/2026/03/23/world/middleeast/energy-crisis-iea-warning.html">about 11 million barrels of oil per day</a>, according to the head of the International Energy Agency. </p><p>For context, the 1973 oil crisis and the 1979 oil crisis each knocked about <a href="https://www.federalreservehistory.org/essays/oil-shock-of-1978-79">5 million barrels per day </a>offline. </p><p>This current supply shock is worse than those two <strong><a href="https://www.marketplace.org/story/2026/03/23/shock-to-global-oil-market-roughly-3-times-bigger-than-1970s-crisis">combined</a></strong><a href="https://www.marketplace.org/story/2026/03/23/shock-to-global-oil-market-roughly-3-times-bigger-than-1970s-crisis">.</a></p><p>It&#8217;s happening because a narrow stretch of water called the Strait of Hormuz carries about 20% of the world&#8217;s oil supply. Right now, that flow is heavily restricted.</p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!Bhti!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!Bhti!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 424w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 848w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!Bhti!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg" width="1024" height="691" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:691,&quot;width&quot;:1024,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:null,&quot;alt&quot;:&quot;What is the Strait of Hormuz and Why is it so Important for Oil? - Energy  News, Top Headlines, Commentaries, Features &amp; Events - EnergyNow.com&quot;,&quot;title&quot;:null,&quot;type&quot;:null,&quot;href&quot;:null,&quot;belowTheFold&quot;:true,&quot;topImage&quot;:false,&quot;internalRedirect&quot;:null,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="What is the Strait of Hormuz and Why is it so Important for Oil? - Energy  News, Top Headlines, Commentaries, Features &amp; Events - EnergyNow.com" title="What is the Strait of Hormuz and Why is it so Important for Oil? - Energy  News, Top Headlines, Commentaries, Features &amp; Events - EnergyNow.com" srcset="https://substackcdn.com/image/fetch/$s_!Bhti!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 424w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 848w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 1272w, https://substackcdn.com/image/fetch/$s_!Bhti!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F402bd11e-3288-4336-9a84-fea6b4de4070_1024x691.jpeg 1456w" sizes="100vw" loading="lazy"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a><figcaption class="image-caption">Strait of Hormuz by <a href="https://energynow.com/2025/06/what-is-the-strait-of-hormuz-and-why-is-it-so-important-for-oil/">EnergyNow</a></figcaption></figure></div><p>At the same time, key energy infrastructure is taking hits. In Qatar, major LNG export facilities have been damaged. It could take <strong>up to five years to repair</strong>.</p><blockquote><p>Put it together, and you see why Birol warns of the global economy entering uncharted territory&#8221; and &#8220;facing a major, major threat.&#8221;</p></blockquote><div><hr></div><h2>Why isn&#8217;t gas already $5?</h2><p>Three reasons (and none of them are reassuring.)</p><ol><li><p><strong>Temporary buffers</strong></p><p>Governments are racing to release oil onto the market. The IEA just coordinated the release of over 400 million barrels to counter price surges. That&#8217;s <strong><a href="https://www.msn.com/en-in/news/world/world-faces-severe-energy-crisis-amid-mideast-conflict-iea-chief/ar-AA1Zc1Ze?apiversion=v2&amp;domshim=1&amp;noservercache=1&amp;noservertelemetry=1&amp;batchservertelemetry=1&amp;renderwebcomponents=1&amp;wcseo=1">the largest release of strategic reserves in history</a></strong>. This won&#8217;t fix the problem, but it softens the initial hit.</p></li><li><p><strong>The shock is still new</strong></p><p>We&#8217;re only about three weeks in. During the 2022 energy spike after Russia invaded Ukraine, it took <em>months</em> for prices to peak. The oil release on March 11 could end up lasting <a href="https://www.cnn.com/2026/03/11/business/oil-prices-rebound-iran-war-intl">just 26 days</a> if oil products are choked off at the current rate of 15 million barrels per day. </p></li><li><p><strong>Markets are unsure</strong></p><p>Talk of possible negotiations, immediate denials, and uncertainty about how long this disruption will last is keeping prices from settling into a clear upward march.</p><p></p><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/p/will-gas-prices-hit-4-pittsburgh?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;,&quot;action&quot;:null,&quot;class&quot;:null}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.cereesereceipts.com/p/will-gas-prices-hit-4-pittsburgh?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p><p> </p></li></ol><div><hr></div><h2>&#8220;But isn&#8217;t the U.S. energy independent?&#8221;</h2><p>The United States has been a <strong><a href="https://www.marketplace.org/story/2024/05/13/the-u-s-exports-more-petroleum-than-it-imports-so-why-are-we-importing-at-all">net exporter</a> of energy since around 2020</strong>. Pennsylvania itself sits on major shale reserves.</p><p>But oil doesn&#8217;t work like a local farmers market. It&#8217;s priced globally. </p><p>That means the price you pay in Pittsburgh is tied to disruptions happening thousands of miles away &#8212; even if some of that oil started in Pennsylvania.</p><p>We&#8217;ve seen this before. </p><p>In 2022, Pittsburgh gas prices climbed steadily before peaking at $5.05 per gallon.</p><p>Right now, you&#8217;re at $3.96 &#8212; <a href="https://stacker.com/stories/pennsylvania/pittsburgh/how-gas-prices-have-changed-pittsburgh-last-week">already up 15.5% from last year.</a></p><p>Being &#8220;energy independent&#8221; doesn&#8217;t mean being insulated.</p><div><hr></div><h2>This isn&#8217;t the 1970s</h2><p>Back then:</p><ul><li><p>The U.S. imported far more oil</p></li><li><p>There was no large strategic reserve</p></li><li><p>Supply shocks hit harder, faster</p></li></ul><p>Today:</p><ul><li><p>The U.S. produces more energy</p></li><li><p>There&#8217;s a massive stockpile</p></li><li><p>Governments are coordinating responses globally</p></li></ul><p>But there&#8217;s a tradeoff: today&#8217;s system is <strong>deeply interconnected</strong>.</p><p>When something breaks, it affects everyone.</p><div><hr></div><h2>When will prices ease?</h2><p>No one knows.</p><p>Even if a best-case scenario happens and oil started flowing normally again, prices won&#8217;t snap back.</p><p>Damage to regional infrastructure could take <strong>years</strong> to fix. </p><p>Birol put it bluntly:</p><blockquote><p>&#8220;It will take some time to come back to the normal days we had before.&#8221;</p></blockquote><div><hr></div><h2>What should you watch for?</h2><p>If you want to know where this is going, keep an eye on a few signals:</p><p><strong>1. Weekly price jumps</strong><br>Right now, Pittsburgh is seeing about a <strong>5% weekly increase</strong>. If that pace continues, $5 gas will happen in<strong> weeks</strong>.</p><p><strong>2. Strategic reserve announcements</strong><br>If those slow down, prices could accelerate quickly.</p><p><strong>3. The situation around the Strait of Hormuz</strong><br>As long as it&#8217;s restricted, supply stays tight.</p><p><strong>4. War developments</strong><br>Although a resolution won&#8217;t bring instant relief, escalation will make everything worse.</p><div><hr></div><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">Thanks for reading Cereese Receipts! Subscribe for free to receive new posts and support my work.</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div>]]></content:encoded></item><item><title><![CDATA[PayPal Is Killing Cash Redemptions. Here's What to Do Before August 1.]]></title><description><![CDATA[PayPal's March 2026 policy update ends cash-back redemptions for rewards points. If you have a balance, you have until August 1 to act]]></description><link>https://www.cereesereceipts.com/p/paypal-rewards-cash-redemption-2026</link><guid isPermaLink="false">https://www.cereesereceipts.com/p/paypal-rewards-cash-redemption-2026</guid><dc:creator><![CDATA[Cereese Blose]]></dc:creator><pubDate>Sat, 21 Mar 2026 12:43:23 GMT</pubDate><enclosure url="https://substackcdn.com/image/fetch/$s_!ncwD!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png" length="0" type="image/jpeg"/><content:encoded><![CDATA[<p>Imagine waking up with $150 in PayPal Rewards points. Previously, those points could become cash on your debit card. In just two clicks, you could transfer it to cash for groceries or pay your rent. </p><div class="captioned-image-container"><figure><a class="image-link image2 is-viewable-img" target="_blank" href="https://substackcdn.com/image/fetch/$s_!ncwD!,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png" data-component-name="Image2ToDOM"><div class="image2-inset"><picture><source type="image/webp" srcset="https://substackcdn.com/image/fetch/$s_!ncwD!,w_424,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 424w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_848,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 848w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_1272,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 1272w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_1456,c_limit,f_webp,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 1456w" sizes="100vw"><img src="https://substackcdn.com/image/fetch/$s_!ncwD!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png" width="1456" height="1048" data-attrs="{&quot;src&quot;:&quot;https://substack-post-media.s3.amazonaws.com/public/images/56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png&quot;,&quot;srcNoWatermark&quot;:null,&quot;fullscreen&quot;:null,&quot;imageSize&quot;:null,&quot;height&quot;:1048,&quot;width&quot;:1456,&quot;resizeWidth&quot;:null,&quot;bytes&quot;:1551698,&quot;alt&quot;:null,&quot;title&quot;:null,&quot;type&quot;:&quot;image/png&quot;,&quot;href&quot;:null,&quot;belowTheFold&quot;:false,&quot;topImage&quot;:true,&quot;internalRedirect&quot;:&quot;https://cereese.substack.com/i/191667607?img=https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png&quot;,&quot;isProcessing&quot;:false,&quot;align&quot;:null,&quot;offset&quot;:false}" class="sizing-normal" alt="" srcset="https://substackcdn.com/image/fetch/$s_!ncwD!,w_424,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 424w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_848,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 848w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_1272,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 1272w, https://substackcdn.com/image/fetch/$s_!ncwD!,w_1456,c_limit,f_auto,q_auto:good,fl_progressive:steep/https%3A%2F%2Fsubstack-post-media.s3.amazonaws.com%2Fpublic%2Fimages%2F56ed93cc-1591-4e80-944c-1083567ef052_1456x1048.png 1456w" sizes="100vw" fetchpriority="high"></picture><div class="image-link-expand"><div class="pencraft pc-display-flex pc-gap-8 pc-reset"><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container restack-image"><svg role="img" width="20" height="20" viewBox="0 0 20 20" fill="none" stroke-width="1.5" stroke="var(--color-fg-primary)" stroke-linecap="round" stroke-linejoin="round" xmlns="http://www.w3.org/2000/svg"><g><title></title><path d="M2.53001 7.81595C3.49179 4.73911 6.43281 2.5 9.91173 2.5C13.1684 2.5 15.9537 4.46214 17.0852 7.23684L17.6179 8.67647M17.6179 8.67647L18.5002 4.26471M17.6179 8.67647L13.6473 6.91176M17.4995 12.1841C16.5378 15.2609 13.5967 17.5 10.1178 17.5C6.86118 17.5 4.07589 15.5379 2.94432 12.7632L2.41165 11.3235M2.41165 11.3235L1.5293 15.7353M2.41165 11.3235L6.38224 13.0882"></path></g></svg></button><button tabindex="0" type="button" class="pencraft pc-reset pencraft icon-container view-image"><svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 24 24" fill="none" stroke="currentColor" stroke-width="2" stroke-linecap="round" stroke-linejoin="round" class="lucide lucide-maximize2 lucide-maximize-2"><polyline points="15 3 21 3 21 9"></polyline><polyline points="9 21 3 21 3 15"></polyline><line x1="21" x2="14" y1="3" y2="10"></line><line x1="3" x2="10" y1="21" y2="14"></line></svg></button></div></div></div></a></figure></div><p>Now, that exit ramp is gone. If you have unredeemed points, you have less than six months to take action.</p><p>PayPal's March 2026 rewards policy update outlines three separate changes rolling out this year that affect consumers. The most consequential for everyday users the death of PayPal&#8217;s cashback option for its rewards program. The company is transitioning from a flexible financial tool to a closed-loop loyalty platform. </p><p>This fundamental shift may reduce PayPal&#8217;s liability on unredeemed points, but it moves the goalposts on how its 439 million active accounts can spend earned &#8220;cash back,&#8221; according to the company&#8217;s <a href="https://s205.q4cdn.com/875401827/files/doc_financials/2025/q4/PYPL-4Q-25-Earnings-Release.pdf">Q4 2025 earnings release</a>.</p><p><a href="https://www.paypal.com/us/legalhub/paypal/upcoming-policies-full">PayPal&#8217;s March 9 policy update</a> states &#8220;no action is required,&#8221; but users who want to cash out their points should do so before August 1, 2026. If they don&#8217;t, their points will be locked into the new closed-loop loyalty platform. A second deadline to watch: June 29, 2026, earning future rewards may require actively opting back in through the app or website, <a href="https://www.ecommercebytes.com/2026/03/18/paypal-ends-rewards-to-cashback-option-tweaks-funding-and-crypto-terms/">according to EcommerceBytes.</a></p><p>For the casual shopper who never withdraws their balance anyway, this change will likely feel frictionless. A &#8220;one-click&#8221; redemption to save $5 on a pair of sneakers at checkout is a smoother UX than manually transferring points to a savings account. But there&#8217;s no more transferring the points to pay your rent or buy crypto and stocks.</p><p>Separately, the migration of crypto services to PayPal Digital, Inc. is set for on or after April 20, 2026, pending regulatory approval. This change comes as U.S. policymakers take a harder look at crypto. By siloing it into a specific affiliate, PayPal, Inc.&#8217;s traditional payment processor remains insulated from any potential future volatile regulatory scrutiny.</p><p>A more consumer-first version of this update could have maintained the cash-out option alongside new redemption methods. Maybe it could offer a lower conversion rate for cash versus a premium for store credit. Instead, the company is putting the burden on consumers to cash out now or lose out.</p><div class="captioned-button-wrap" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/p/paypal-rewards-cash-redemption-2026?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="CaptionedButtonToDOM"><div class="preamble"><p class="cta-caption">If you've been sitting on points, go check your balance. Then send this to whoever else needs to know.</p></div><p class="button-wrapper" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/p/paypal-rewards-cash-redemption-2026?utm_source=substack&utm_medium=email&utm_content=share&action=share&quot;,&quot;text&quot;:&quot;Share&quot;}" data-component-name="ButtonCreateButton"><a class="button primary" href="https://www.cereesereceipts.com/p/paypal-rewards-cash-redemption-2026?utm_source=substack&utm_medium=email&utm_content=share&action=share"><span>Share</span></a></p></div><p>As a well-established brand with <a href="https://www.paypal.com/us/brc/article/how-paypal-helps-drive-growth">a strong reputation</a> for its secure, indirect handling of sensitive financial data and robust purchase protection on eligible orders, PayPal is betting that consumers won&#8217;t leave over a loss of liquidity. But this change moves the platform further from a &#8220;user-first&#8221; financial hub and toward a &#8220;platform-first&#8221; gatekeeper. </p><p>Does PayPal still want to be a &#8220;Wallet,&#8221; or does it want to become a &#8220;Store Credit&#8221; app? If the platform doesn&#8217;t find its groove in balancing locked rewards with better merchant discounts in the next year, users might start looking toward Apple Pay or decentralized wallets where &#8220;cash&#8221; can still be redeemed as, well, cash.</p><p>If you got a PayPal email this week and weren&#8217;t sure what it meant, now you know. Forward this to someone who should. And if you&#8217;ve been sitting on points, go check your balance.</p><div class="subscription-widget-wrap-editor" data-attrs="{&quot;url&quot;:&quot;https://www.cereesereceipts.com/subscribe?&quot;,&quot;text&quot;:&quot;Subscribe&quot;,&quot;language&quot;:&quot;en&quot;}" data-component-name="SubscribeWidgetToDOM"><div class="subscription-widget show-subscribe"><div class="preamble"><p class="cta-caption">Support my work by subscribing or sharing Cereese Receipts today. It&#8217;s free!</p></div><form class="subscription-widget-subscribe"><input type="email" class="email-input" name="email" placeholder="Type your email&#8230;" tabindex="-1"><input type="submit" class="button primary" value="Subscribe"><div class="fake-input-wrapper"><div class="fake-input"></div><div class="fake-button"></div></div></form></div></div><p></p>]]></content:encoded></item></channel></rss>