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panalo999 login Raiders confirm QB Gardner Minshew out for season, look to Aidan O'Connell10 tips from experts to help you change your relationship with money in 2025 NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Cora Lewis And Adriana Morga, The Associated Press Dec 27, 2024 8:28 AM Dec 27, 2024 8:50 AM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message FILE - The 2025 New Year's Eve numerals are displayed in Times Square, on Dec. 18, 2024, in New York. (AP Photo/Julia Demaree Nikhinson, File) NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Change your relationship with money Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. Know your “why” When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. Budget, budget, budget “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. Pay down outstanding debt “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. Take control of your credit card interest rate “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. Set realistic, practical goals When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. Don't ‘flamingo' or bury your head in the sand “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automate savings, where possible Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Slow down Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Focus on financial wellness Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism. Cora Lewis And Adriana Morga, The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message More Automotive 4 die on Christmas Day in New Hampshire home from suspected carbon monoxide poisoning Dec 26, 2024 1:13 PM 4 die on Christmas Day in New Hampshire home from suspected carbon monoxide poisoning Dec 26, 2024 7:42 AM Stock market today: Stocks edge lower after a holiday pause for US markets Dec 26, 2024 6:41 AM Featured Flyer

Sale stopped free-scoring Bristol in their tracks as they moved into the Premiership playoff places with a stunning 38-0 victory at Ashton Gate. Bristol had high hopes of going top above their West Country rivals Bath, but Sale did not allow them any time or space on the ball and Bears’ trademark running game hit the buffers. The scrum-half Raffi Quirke set the tone when he breached Bristol’s defence inside three minutes, and the Sharks never looked back. Tom Roebuck added a second try before half-time, then the captain Ben Curry’s interception score sealed the deal midway through the third quarter, before Roebuck’s fellow wing Tom O’Flaherty secured a bonus point 14 minutes from time. The centre Rob du Preez kicked three penalties and three conversions, while their fly-half George Ford dropped a goal as Sale’s statement win served notice of their title credentials. “We know the threats they [Bristol] possess,” Sale’s defence coach, Byron McGuigan, told TNT Sports. “They are super-creative, so the theme for us this week was how do we cage the bear? We came up with a plan and it paid off. It is a massive credit to the players. “We had to be mentally focused, and we didn’t want to waste a minute this week. We had a clear plan to go after them. We knew we had to be at our best.” Curry said: “These are the games you want to play in. The rugby wasn’t perfect, but we showed real togetherness. We feel like we have something to prove, not just to ourselves, but to other people. That was a step in the right direction tonight.” Sale produced a lightning start, rocking Bristol when Quirke made a blistering break from 35m out to claim a superb solo touchdown that Du Preez converted. Bristol could not get going, and their cause was not helped midway through the first half when Harry Randall was shown a yellow card for pulling back the Sale hooker Luke Cowan-Dickie off the ball. Randall had barely left the pitch before Sharks extended their lead courtesy of impressive approach by their forwards that led to George Ford freeing Roebuck with a long pass, and he applied a simple finish. Du Preez’s conversion made it 17-0, before Bristol suffered another injury setback when their top try-scorer Gabriel Ibitoye went off due to an apparent hamstring problem. Ford then underlined Sale’s dominance by landing a drop goal as the visitors took a 20-point lead with them into the interval. Sign up to The Breakdown The latest rugby union news and analysis, plus all the week's action reviewed after newsletter promotion Bristol could find no way into the contest, and after Du Preez kicked a second penalty, Curry intercepted Fitz Harding’s speculative pass to cross from close range, and Du Preez’s conversion saw Sale hit 30 points. He completed his penalty hat-trick midway through the second period, and all Bristol could concentrate on was trying to break their points duck in a game that had seen them emphatically outplayed. Sale had other ideas as they raced to a five-point maximum in thrilling fashion when O’Flaherty broke clear from just outside his own 22, then linked with Quirke before finishing in style. Bristol were left to reflect on failing to score a point in a Premiership game for the first time since 2016.

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Airtel Nigeria reaffirmed its position as a leader in innovative and impactful public relations, clinching two prestigious awards at the Lagos Public Relations Industry Gala and Awards (LaPRIGA) held at Muson Centre, Onikan, Lagos on Friday, 13th December 2024. The award ceremony themed ‘Shining Stars’, highlighted Airtel’s successful commitment to sustainability and employee engagement. Airtel Nigeria emerged winner of the Environment and Sustainability PR Award category for its Baadun Lagos Beach Clean-Up activity, which mobilized employees to tackle environmental challenges and foster a cleaner, healthier ecosystem. Additionally, Airtel was recognized for Excellence in Internal Communication and Employee Engagement, showcasing its dedication to cultivating an engaged, motivated, and purpose-driven workforce. Speaking on the wins, Airtel Nigeria CEO, Dinesh Balsingh, emphasized the importance of sustainability to company. “These awards are a testament to our core belief that businesses have a responsibility to drive positive change in society. The Baadun Beach Clean-Up is more than just an environmental effort. It is part of our Employee Volunteer Scheme (EVS) initiative, a programme that encourages Airtel employees to engage in community services and social impact initiatives.” Airtel Nigeria Director, Corporate Communications & CSR, Femi Adeniran, added, “We inspired communities to take action for a sustainable future. In the same vein, our internal communication and employee engagement initiatives are equally focused on fostering a culture of collaboration, innovation, and outstanding customer service.” The 2024 LaPRIGA Awards brought together Public Relations industry’s leading lights to celebrate innovation, strategic leadership, and measurable impact. Airtel Nigeria’s double wins underscore its status as a transformative force in Nigeria’s PR sector, setting benchmarks in sustainability and organizational communication. As Airtel Nigeria continues to make strides in sustainability and employee engagement, these accolades serve as a reminder of the power of its commitment to building goodwill in all the communities in which it operates.NIC recommends amendment of laws contravening with Right to Information Act

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Daniel Jones was sent to the bench this week, leaving Tommy DeVito to get Malik Nabers going in the passing game. Daniel Jones and Malik Nabers were toted out as the answer to losing Saquon Barkley. Well, as noted repeatedly throughout the season, Daniel Jones’s recommendations went unfollowed . Meanwhile, Malik Nabers has made history this season. Over the past week, the New York Giants have been the story of the week as they have all but moved into a new chapter in their pursuit of finding their next Eli Manning. Of course, it wasn’t all disaster for Jones, who defeated Kirk Cousins’ Minnesota Vikings in the playoffs. However, it is time to learn what comes next and that starts with the youth. Tommy DeVito was given the starting honors this week. This will create an opportunity for a youth movement with the New York Giants and a connection to develop between the second-year DeVito and the first-year receiver Malik Nabers. Malik Nabers’ comments suggest expectations Speaking to the media in a video via Giants videos on Twitter/X , Nabers was asked about what it would be like to establish chemistry with DeVito in their first game. Nabers’ comments set an expectation for the third-string quarterback turned starter, while also speaking to his own self-confidence. “I don’t think it’s real hard. I mean, the idea is to throw the football catch the ball so I get open pretty well. “I create a lot of separation so he’s going to be able to see me on different routes when I get open. He’s going to be able to deliver the ball,” he said. In his rookie season, Nabers has earned 607 yards and three touchdowns, per Pro Football Reference. He has also missed time due to concussions. DeVito will hope to throw his ninth career touchdown pass and avoid his fourth-ever interception. The Giants face the Tampa Bay Buccaneers who have allowed plenty of great stat lines to their opponents this season. Will the DeVito trial run kick off without a hitch? Daniel Jones issues apology As the new quarterback says hello, another says goodbye. Speaking to the media, Daniel Jones apologized for the quality of his play and gave what might be his final notable farewell statement. He read prepared remarks, thanking fans and the Giants: “The Giants are truly a first-class organization, and I have nothing but genuine respect and appreciation for the people who have built it and who helped carry on that tradition. “I take full responsibility for my part in not bringing more wins. No one wanted to win those games worse than me, and I gave everything I had on the field and in my preparation,” he said. “Of course, this season has been disappointing for all, and of course, I wish I could have done more. I’m 100% accountable for my part. I did not play well enough, consistently enough to help the team get the results. ... To all the fans, I’ve deep respect and appreciation for your passion and love for the Giants. The fans are a huge part of what makes playing for the Giants so special,” he added. So, now Jones appears poised to look elsewhere for a job in the off-season. Could he see a revitalization similar to Sam Darnold and Geno Smith as the third Metlife Stadium quarterback to do so in about as many years? This article first appeared on NFL Analysis Network and was syndicated with permission.Canada's Trudeau returns home after Trump meeting without assurances that tariffs are off the table

The automotive sector, particularly electric vehicle (EV) makers and legacy automakers transitioning to EVs, remained a hotbed of retail investor activity in 2024. Here are the top five auto stocks that saw the highest surge in message volumes on Stocktwits this year: Faraday Future Intelligent Electric Inc. (FFIE) : +4,933% Message Volume Dubbed a “classic” meme stock, Faraday Future surged in retail chatter following Keith Gill’s (Roaring Kitty) return to social media. The buzz amplified after the company secured $30 million in financing commitments, though its financial woes and minimal deliveries of its FF91 EVs cast doubt on its future. FFIE shares are down over 95% year-to-date. Honda Motor Co. Ltd. (HMC) : +4,800% Message Volume Honda generated intense buzz after officially confirming merger talks with Nissan. The move aims to create the world’s third-largest automaker to better compete with Chinese EV giants and U.S. rivals like Tesla. Despite the excitement, Honda’s U.S.-listed shares are down over 7% this year. Tesla Inc. (TSLA) : +1,140% Message Volume Tesla had a volatile year, starting with demand concerns and margin pressures but ending as a phenomenal performer with an 86% year-to-date gain. Key events included a third-quarter profit beat, plans to expand Full Self-Driving technology to China and Europe, and a turnaround driven by Donald Trump’s election win, which brought hopes of regulatory tailwinds for Tesla. Polestar Automotive Holding (PSNY) : +1,071% Message Volume Polestar maintained retail interest with solid delivery numbers and plans to achieve cash-flow break-even by 2025, even as Wall Street’s 2024 expectations of 100,000 deliveries weigh. Concerns over Trump’s potential rollback of EV-friendly policies has added pressure, with shares dropping over 52% this year. Lucid Group Inc. (LCID) : +833% Message Volume Lucid remained in focus as one of the few pure-play U.S. EV makers, launching production of its high-end Lucid Gravity SUV. CEO Peter Rawlinson has hinted at potential automaker partnerships, but production challenges and regulatory uncertainties under Trump’s administration weighed on sentiment. LCID shares have declined 22% year-to-date. For updates and corrections, email newsroom[at]stocktwits[dot]com.

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At least 36 MPs who voted in favour of assisted dying have indicated that they could change their minds at a later stage, new analysis suggests. An analysis of statements made by MPs about Friday’s vote shows that a significant number of parliamentarians suggested that their ongoing support would be conditional on how the bill stands up to scrutiny. The bill , which allow terminally ill adults in England and Wales with a life expectancy of six months or less to seek assistance to end their lives, passed in the Commons by 55 votes. 330 MPs voted in favour of the legislation, with 275 against. 18 Labour MPs and three Conservative MPs did not vote on Friday, meaning their votes are also to play for in the next stage. Under the proposed plans, a terminally ill adult would have to get approval from two doctors and a High Court judge before they would be helped to end their life. With the bill now entering committee stage, MPs will get a chance to scrutinise the plans and propose any amendments. Labour MP Kim Leadbeater, who proposed the bill, has said that there is “absolutely still a lot of work to do” on the bill and that “slight changes” are part of the process. Some MPs warned in Friday’s debate that their support was conditional on additional safeguards being put in place or parts of the bill being changed. Sir David Davis, who backed the bill, said he was concerned that a clause within it seemed to say that doctors could suggest an assisted death as a treatment option for their patients. Armed forces minister Luke Pollard voted for the bill but wrote to Ms Leadbeater calling for further safeguards to be added. Labour MP for Wrexham Andrew Ranger said that letting the bill pass through to the report and committee stages would allow for amendments and “areas of possible concern to be addressed”. He said that when the bill comes back to the Commons for its third reading, likely in Spring next year, he would then “arrive at a final decision”. Lib Dem MP for Chelmsford Marie Goldman said that her vote in favour on Friday was “by no means a guarantee of my vote for the bill at third reading”. Fellow Lib Dem Andrew George MP said he was in principle broadly in favour of assisted dying, but that he had not reached a final decision. In a letter to constituents, he wrote that he would carry out a study “especially in respect of the robustness of the law and the clinical judgements required to underpin its operation”. He added that, while he was not convinced that the law would put pressure on vulnerable people, he would “keep an open mind”. On Saturday, the Association for Palliative Medicine said that there is a risk the funding needed to pay for doctors and the courts to oversee assisted dying could divert money away from care for the dying. Labour MP Diane Abbott told the BBC that she was “very worried that vulnerable people will get swept up in the assisted dying route, when actually what they really need is access to hospice care and proper end-of-life care.”China stuns the world with new sixth-generation heavy stealth jet; here's all about PLA's latest combat aircraft

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Community effort through viral Buffalo Bills bracelets continuesAAMI has launched a humorous new campaign capturing the quirks of an Australian Christmas and its day-after chaos via Ogilvy . The When the Festivities are over campaign, is AAMI’s first Christmas campaign and portrays what happens when that Boxing Day food coma feeling clashes with unexpected events. “The exact time when, if something should go wrong, you’d just want your insurance company to sort it out,” Ogilvy Melbourne ECD Hilary Badger said. “It’s of course important for Australia’s leading national insurer to be present at Christmas, which is such a big time of year for our country’s leading brands. But being AAMI, we need a unique point of view during what can be a very crowded season for brands. So, we’ve opted to stand out with a much less saccharine spin on Christmas. “It’s an unexpected time to think about insurance, which makes it disruptive,” Badger added. The campaign is live now nationally across TV, BVOD, SVOD, cinema, OOH (including large format, small format and special build), social and audio and will run until January 20. It builds on the AAMI brand platform developed by Ogilvy and launched at the start of the year, embracing the quirks and challenges of Australia and reinvigorating AAMI’s long-standing tagline ‘Lucky you’re with AAMI’. Starting with the cinematic My Country execution using Dorothea Mackellar’s iconic poem, the platform continued with the much-celebrated Athletes in the Making launched in the lead up to the Olympics. In August, When our game has its moments campaign went live celebrating AAMI’s association with Australia’s national sport, AFL, plus a raft of other activity in other channels. Mim Haysom , Suncorp EGM brand and customer experience, said: “We can all relate to the action unfolding in When the festivities are over, it’s a fitting finish to the year and a timely reminder that no matter the situation, it’s lucky you’re with AAMI.”Today’s NYT ‘Connections’ Hints And Answers For Friday, November 22