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From Ndubuisi Orji, Abuja The African Democratic Congress (ADC) has said that the weakness of the opposition political parties is a threat to the country’s democracy and the welfare of citizens. The ADC National Chairman, Okey Nwosu, stated this on Thursday at the launch of the Digital Political Academy at ADC Global Campus, Abuja. Nwosu urged the opposition to brace up in the interest of citizens, who are going through different kinds of hardship in the country. According to him, “The state of the nation, worsening economy, and security situation under the APC should challenge all opposition parties. The signals from the Edo and Ondo elections and the human rights abuses show the weakness of the opposition. “The weakness of the opposition threatens our democracy, the nation, and exposes our citizens to great harm. For the many families who cannot feed and are poverty-ravaged, for our unemployed graduates, the opposition must stand up to be counted. “Our party, ADC, and the PRP are committed to building a virile opposition and are standing firm together on justice. We must not allow the chaos to override our stellar character as a transformative, innovative, and value-driven political party.” The ADC chairman, while condemning the arrest of rights activist Dele Farotimi, called for his immediate release. “I am sure you are aware of the arrest of Dele Farotimi. I call on the federal authorities to ensure the safety and well-being of this honourable gentleman. We call for his immediate release and also ask the authorities to call their operatives to order. Institutions are being desecrated; citizens’ rights are being trampled upon. All this must stop,” Nwosu stated.NoneMALAGA, Spain (AP) — No. 1-ranked Jannik Sinner won matches in singles and doubles to lead defending champion Italy to a 2-1 comeback victory over Argentina on Thursday, earning a return trip to the Davis Cup semifinals. “I’m here trying to do the best I can in the singles,” Sinner said. “If they put me on the court in doubles, I’ll also try my best.” On Saturday, Italy will face Australia in a rematch of last year's final, but this time it will only be for a chance to play for the championship. Australia eliminated the U.S. 2-1 earlier Thursday to reach the final four at the team competition for the third consecutive year. The other semifinal, to be contested Friday, is the Netherlands against Germany. The Dutch got past Rafael Nadal and Spain in the quarterfinals earlier in the week, sending the 22-time Grand Slam champion into retirement. Italy fell behind 1-0 in the quarterfinals when Argentina’s Francisco Cerúndolo defeated Lorenzo Musetti 6-4, 6-1 on an indoor hard court at the Palacio de Deportes Jose Maria Martina Carpena in southern Spain. But then in stepped Sinner, whose season already includes two Grand Slam trophies — at the Australian Open and U.S. Open — plus the title at the ATP Finals last weekend in Turin, Italy. First he overwhelmed Sebastián Báez 6-2, 6-1. Then Sinner teamed with 2021 Wimbledon runner-up Matteo Berrettini in the deciding doubles match to win 6-4, 7-5 against Andres Molteni and Maximo Gonzalez. “He carried me today,” Sinner said about Berrettini. After arriving late to Malaga from Turin, Sinner did not get a chance to practice on the Davis Cup competition court before taking on Báez and stretching his streak to 22 sets won in a row. “In three minutes, he was perfectly comfortable on court,” Italy captain Filippo Volandri said. “He’s a special one.” Volandri swapped out his original doubles team, Simone Bolelli and Andrea Vavassori, for Sinner and Berrettini, and the change paid dividends. Story continues below video Australia, the Davis Cup runner-up the last two years, advanced when Matt Ebden and Jordan Thompson beat the surprise, last-minute American pairing of Ben Shelton and Tommy Paul 6-4, 6-4 in that quarterfinal's deciding doubles match. The Shelton-Paul substitution for Paris Olympics silver medalists Austin Krajicek and Rajeev Ram was announced about 15 minutes before the doubles match began. Ebden and John Peers beat Krajicek and Ram in the Summer Games final in August. The Australians broke once in each set of the doubles. In the second, they stole one of Shelton’s service games on the fourth break opportunity when Ebden’s overhead smash made it 5-4. Thompson then served out the victory, closing it with a service winner before chest-bumping Ebden. The 21st-ranked Shelton made his Davis Cup debut earlier Thursday in singles against 77th-ranked Thanasi Kokkinakis, who emerged from a tight-as-can-be tiebreaker by saving four match points and eventually converting his seventh to win 6-1, 4-6, 7-6 (14). No. 4 Taylor Fritz , the U.S. Open runner-up, then pulled the Americans even with a far more straightforward victory over No. 9 Alex de Minaur , 6-3, 6-4. When their match finally ended, on a backhand by Shelton that landed long, Kokkinakis dropped onto his back and pounded his chest. After he rose, he threw a ball into the stands, then walked over to Australia’s sideline, spiked his racket and yelled, before hugging captain Lleyton Hewitt. “I don’t know if I’ve been that pumped up in my life. I wanted that for my team,” said Kokkinakis, who won the 2022 Australian Open men’s doubles title with Nick Kyrgios. “It could have gone either way, but I kept my nerve.” AP tennis: https://apnews.com/hub/tennisByron York: Schumer asks GOP not to do what they were going to do

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LOS ANGELES (AP) — Scotty Washington scored 19 points as Cal State Northridge beat Chicago State 81-57 on Saturday. Washington shot 4 of 13 from the field, including 1 for 6 from 3-point range, and went 10 for 10 from the line for the Matadors (8-4). Mahmoud Fofana added 17 points while shooting 7 of 10 from the field and 3 for 3 from the line while he also had six rebounds. Marcus Adams Jr. went 5 of 10 from the field (1 for 3 from 3-point range) to finish with 11 points. Saxby Sunderland scored 14 points for the Cougars (0-14). Matthew Robinson also scored 14 points and had two steals for Chicago State. Cameron Jernigan also had seven points. ___ The Associated Press created this story using technology provided by and data from . The Associated PressBuy this undervalued ASX 200 stock for a 40%+ return - The Motley Fool AustraliaB.C. premier says feds and provinces plan right-left approach to Trump's tariff plansNAIROBI, Kenya -- Three African politicians seeking to head the African Union detailed their plans on Friday for regional security amid conflicts and political coups while strongly advocating for inter-Africa trade among other issues. Raila Odinga of Kenya, Mahamoud Ali Youssouf of Djibouti and Richard Randriamandrato of Madagascar are seeking to be elected as chairperson for the 55-member state African Union. They participated in a two-hour debate Friday in Ethiopian capital Addis Ababa in which they all advocated for two permanent seats for African countries in the U.N. Security Council to effectively represent the continent with the youngest population. Odinga said that two permanent seats with veto power were “a must for Africa” and that this was “only fair” since the continent has more than 50 countries. Randriamandrato urged member states to cease the opportunity and “speak with one voice on the choice of who will represent Africa in the UNSC.” The three are seeking to convince most African countries before the February election to succeed African Union Chairperson Moussa Faki, who has served for two terms. The African Union has faced several challenges that include conflict in member countries and political coups that have seen five member states expelled from the union, making regional security a major theme in Friday’s debate. Youssouf said that regional security could be enhanced if the resources for a regional standby force were increased to reduce the overreliance on foreign partnerships for resources. “When there is no unity of purpose among neighboring countries peace will be compromised,” Youseff said. Randriamandrato encouraged countries to take charge of their internal security while cautioning that foreign military bases should be “a thing of the past” because they “could be a source of conflict.” Despite the continent’s young population of 1.3 billion that is set to double by 2050, regional trade has faced challenges that were addressed in the Friday debate. Odinga said that Africa had a “huge domestic market” that it could leverage on for economic transformation by opening up opportunities for trade between African countries. Youssouf proposed a payment compensation system that would ensure countries don't lose out while trading in different currencies adding, “are we going to have a single currency, why not?” Randriamandrato said that regional economic blocs like the Common Market for Eastern and Southern Africa had a huge role to play in easing inter-Africa trade. The African Union has several proposed reforms on its structure and leadership aimed at achieving its purpose, and all candidates promised to implement the reforms if elected. Youssouf said that key reforms in the union were facing a funding bottleneck and that “it has to change,” adding that he wouldn't impose it on member states but would “advocate for it.”

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Securities and Exchange Commission Chair Gary Gensler, who was aggressive in his oversight of cryptocurrencies and other financial markets, will step down from his post on Jan. 20. Gensler pushed changes that he said protected investors, but the industry and many Republicans bristled at what they saw as overreach. President-elect Donald Trump had promised during his campaign that he would remove Gensler. But Gensler on Thursday announced that he would be stepping down from his post on the day that Trump is inaugurated. Bitcoin has jumped 40% since Trump’s victory. It hit new highs Thursday and was nearing $100,000. Bitcoin moved notably higher still after Gensler's resignation was announced. Gensler's stance on the rise of cryptocurrencies was captured during a speech he gave during the first year of his chairmanship in 2021 where he described the market as “the Wild West.” “This asset class is rife with fraud, scams, and abuse in certain applications,” he said in a speech at the Aspen Security Forum. “There’s a great deal of hype and spin about how crypto assets work. In many cases, investors aren’t able to get rigorous, balanced, and complete information.” Under Gensler, the SEC brought actions against players in the crypto industry for fraud , wash trading and other violations, including as recently as last month when the commission brought fraud charges against three companies purporting to be market makers, along with nine individuals for trying to manipulate various crypto markets. Yet access to cryptocurrencies became more widespread under Gensler. In January, the SEC approved exchange-traded funds that track the spot price of bitcoin. With such ETFs, investors could get easier access to bitcoin without the huge overlays required to buy it directly. Gensler, however, acknowledged the SEC had denied earlier, similar applications for such ETFs, including Grayscale Bitcoin Trust, among the first to eventually be approved by the SEC. “Circumstances, however, have changed,” Gensler said, pointing to a ruling by the U.S. Court of Appeals for the District of Columbia that said the SEC failed to adequately explain its reasoning in rejecting Grayscale’s proposal. Story continues below video Even there, Gensler made sure not to endorse the merits of bitcoin. He pointed to how ETFs that hold precious metals are tracking prices of things that have “consumer and industrial users, while in contrast bitcoin is primarily a speculative, volatile asset that’s also used for illicit activity including ransomware, money laundering, sanction evasion, and terrorist financing.” Gensler was tested early in his tenure with the rise of the meme stock phenomenon that shocked the financial system in early 2021. Earlier this year, the SEC under Gensler pushed Wall Street to speed up how long it takes for trades of stocks to settle, one of the areas where the commission’s staff recommended changes following the reckoning created by GameStop , one of the first meme stocks. In the depths of the COVID-19 pandemic, hordes of smaller-pocketed and novice investors suddenly piled into the stock of the struggling video-game retailer. During the height of the frenzy, several brokerages barred customers from buying GameStop after the clearinghouse that settles their trades demanded more cash to cover the increased risk created by its highly volatile price. In May 2024, new rules meant broker-dealers have to fully settle their trades within one business day of the trade date, down from the previous two. Critics of the SEC under Gensler have called many of the agency's proposals overly burdensome. The investment industry, for example, is pushing against a proposal to force some advisers and companies disclose more about their environmental, social and governance practices, otherwise known as ESG. Critics say the proposal is overly complex and increases the risk of investor confusion, while imposing unnecessary burdens and costs on funds. On Thursday, Gensler stood by the SEC's track record under his direction. “The staff and the Commission are deeply mission-driven, focused on protecting investors, facilitating capital formation, and ensuring that the markets work for investors and issuers alike," Gensler said in prepared remarks. “The staff comprises true public servants." Gensler previously served as Chair of the U.S. Commodity Futures Trading Commission, leading the Obama Administration’s reform of the $400 trillion swaps market. He also was senior advisor to U.S. Senator Paul Sarbanes in writing the Sarbanes-Oxley Act (2002) and was undersecretary of the Treasury for Domestic Finance and assistant secretary of the Treasury from 1997-2001.None

(BPT) - Tech gifts are consistently some of the most popular presents to give and receive during the holidays. In fact, according to the annual Consumer Technology Holiday Purchase Patterns report , a record 233 million U.S. adults (89%) will buy tech products during the 2024 holiday season. But with so many devices out there, it can be hard to decide on the perfect option for the loved one on your list. A tablet like the new Fire HD 8 from Amazon offers the versatility of an all-in-one device, with access to streaming, gaming, video chatting, reading or writing all at your fingertips. Fire HD 8 also features a vibrant 8-inch HD display and lightweight, portable design, for high-quality entertainment on the go. Plus, Fire HD 8 comes with three new AI features that can help you get the most out of your tablet experience. Check them out below and learn how they can help you with daily tasks this holiday season and beyond. 1. Meet your personal writing assistant Do you struggle with writing a heartfelt message or finessing a tricky email? Fear not! Writing Assist is here to help. Writing Assist works as part of your Fire tablet's device keyboard and compatible apps, including email, Word documents and social media. In just a few taps, you can transform your writing from good to great. Try Writing Assist's pre-set styles to turn a simple email into a professionally written note. Or, you can ask Writing Assist for grammar suggestions to make your writing more concise, or elaborate on your ideas. You can even "emojify" your writing to add more fun and personality. 2. Learn more in less time Say goodbye to scrolling through pages of information. The new Webpage Summaries feature allows you to learn pertinent information as quickly as possible. Available on the Silk browser on Fire tablets, Webpage Summaries provides quick insights on web articles. In a matter of seconds, this feature will distill the key points in an article or on a webpage into a clear, concise summary of what you need to know. 3. Get creative with your device wallpaper With Wallpaper Creator, you can easily add a touch of creative flair and customization to your tablet's home screen. You can choose from one of the curated prompts to get started on creating a unique background. Or, if you're ready to let your imagination run wild, type a description of what you'd like to see. For example, you can ask for an image of a tiger swimming underwater or a watercolor-style image of a desert landscape in space. Wallpaper Creator will then turn your vision into a reality, delivering a high-resolution image that you can use as your tablet's wallpaper. Celebrate an AI-powered holiday season Writing Assist, Webpage Summaries, and Wallpaper Creator are now available on Amazon's new Fire HD 8 and other compatible Fire tablet devices, including the latest Fire HD 10 and Fire Max 11 tablets. To learn more, or to order a new Fire tablet this gift-giving season, visit Amazon.com .

House Democrats Jim McGovern of Massachusetts and Rosa DeLauro of Connecticut say their Republican colleagues in Congress caved to the demands of Elon Musk , sinking a bipartisan government funding bill that would have regulated U.S. investments in China. > Philadelphia news 24/7: Watch NBC10 free wherever you are Congress passed a separate stopgap funding bill over the weekend, averting a government shutdown. In a series of posts on X, McGovern said more could have been accomplished. The scrapped provision "would have made it easier to keep cutting-edge AI and quantum computing tech — as well as jobs — in America," he wrote. "But Elon had a problem." Tesla , run by Musk, is the only foreign automaker to operate a factory in China without a local joint venture. Tesla also built a battery plant down the street from its Shanghai car factory this year, and aims to develop and sell self-driving vehicle technology in China. "His bottom line depends on staying in China's good graces," McGovern wrote about Musk. "He wants to build an AI data center there too — which could endanger U.S. security. He's been bending over backwards to ingratiate himself with Chinese leaders." SpaceX, Musk's aerospace and defense contractor, has reportedly withheld its Starlink satellite internet service over Taiwan at the request of Chinese and Russian leaders. Taiwan is a self-ruling democracy that Beijing claims as its territory. Taiwan's status is one of the biggest flashpoints in U.S.-China relations. DeLauro, the top Democrat on the House Appropriations Committee, wrote in a letter to Congress on Friday that Musk needs "Chinese government approvals for his company's projects in the country." It's concerning, that Musk "has ingratiated himself with Chinese Communist Party leadership," she wrote. In the letter, DeLauro referred to the Tesla and SpaceX CEO as "President" Musk, alluding to the fact that the world's richest person began railing against the prior funding bill on Wednesday, before President-elect Donald Trump came out with a statement of his own. Trump had wanted the GOP to sink the bill, and issue a new one that would raise the debt ceiling so he could avoid that fight during the start of his second term in office. The stopgap funding bill, which President Joe Biden signed on Saturday, did not include the two-year suspension of the U.S. debt limit that Trump was seeking. Musk responded to DeLauro's concerns by calling her an "awful creature" in a post on X. After acquiring Twitter in 2022, Musk rebranded it X and used it to help propel Trump back into the White House, becoming a close adviser and major backer to the incoming president along the way. Musk contributed $277 million to the Trump campaign and other Republican causes during the 2024 cycle, according to Federal Election Commission filings. Since the election in November, Musk has become a nearly constant presence at Trump's side, including in meetings with foreign leaders . Trump appointed Musk to co-lead a group that's not yet formed, but will be tasked with finding ways to cut regulations, personnel and budgets. WATCH: Musk's influence on government

Sempra Named Among Newsweek's 'Most Responsible Companies'How to Use Gold for Retirement IncomeBy Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .

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Chloe Cole, a detransitioner and activist, slammed the 'irresponsible doctors' for the 'incredible disservice' they have done to children like her, while speaking to Fox News Digital. In oral aruments, Supreme Court justices discussed the high-profile, first-of-its-kind case involving transgender medical treatment for children. Tennessee Attorney General Jonathan Skrmetti, the lawmaker at the center of the suit against the Biden administration, told Fox News Digital that over the next few months, the justices will be "thinking a lot about the case." When asked whether he ever foresaw himself in such a high-profile legal matter, he said, "not remotely." "I do think the fact that there's so much disagreement weighs in favor of our side," Skrmetti said in a phone interview. "This is an area where the court really shouldn't come in and pick a winner. The data is still very underdeveloped." SOTOMAYOR COMPARES TRANS MEDICAL 'TREATMENTS' TO ASPIRIN IN QUESTION ABOUT SIDE EFFECTS DURING ORAL ARGUMENTS Activists hold a rally outside the Supreme Court building in Washington, D.C., as the court hears oral arguments in the transgender treatments case U.S. v. Skrmetti on Dec. 4, 2024. (Fox News Digital) "All the research that both sides point to is unresolved," Skrmetti said. "This is an unsettled area of science, and in situations like that, the best way to resolve it is through the democratic process. Our legislators appropriate people to deal with that uncertainty and make the call for each individual state." The justices appeared divided on Wednesday after oral arguments, and the three appointed by former President Trump could be the key to deciding the socially divisive question. Justices Brett Kavanaugh and Amy Coney Barrett asked tough questions of both sides, and Justice Neil Gorsuch did not speak during the marathon public session. For its part, the Supreme Court is considering whether the Equal Protection Clause, which ensures equal treatment under the law for similarly situated individuals, bars states from prohibiting medical providers from administering puberty blockers and hormones to help minors transition to a different gender. The case is U.S. v. Skrmetti and is challenging Tennessee's state law which bans medical procedures for minors. Outside the court, hundreds of demonstrators rallied both for and against gender transition treatments for children. One of those rally-goers, detransitioner and activist Chloe Cole, told Fox News Digital in an interview that if the justices oppose the ban on trans medical treatments, "it's going to make things a lot more difficult on legislative fronts in terms of protecting our children and our youth." 'THE PENDULUM IS SWINGING': EXPERTS WEIGH IN ON HISTORIC SCOTUS TRANSGENDER CASE AMID ORAL ARGUMENTS Detransitioner and activist Chloe Cole outside the Supreme Court building during oral arguments in the U.S. v. Skrmetti case on Dec. 4, 2024. (Fox News Digital) "If we want to create a precedent for other states, for first this law, to be upheld in courts and for other states to be upheld as well, we have to do this now," Cole said. Cole, who detransitioned at the age of 16, told Fox News Digital that doctors had done an "incredible disservice" to her at a young age by helping her transition in the first place. "I'm never going to even have a chance at nursing my children with what God gave me," Cole said. "An incredible disservice has been done to me by these irresponsible doctors who knew better. They knew better than to do this to a child. They still chose to do it. But they messed with the wrong kid, and I am going to make sure there is never another child in America who is abused in the same way I was ever again." The court's decision could have sweeping implications, potentially shaping future legal battles over transgender issues, such as access to bathrooms and school sports participation. A decision is expected by July 2025. "So if the court puts a thumb on the scale and says that the courts could be second-guessing state governments on these issues, I think you're going to see an inhibited debate, and we've seen this happen before in other contexts where democracy is subverted by judges who step a little too far into the policy arena, and that ultimately hurts the country," Skrmetti said. "It de-legitimates the government," he added. "It makes people feel alienated from the political process. The alternative is it stays open to our democratic system of resolving disagreements, and you'll see a lot of debate, and different states will go in different directions, and over time, we'll have better research, and people will have a chance to debate this extensively, and that's just the better way to come to a resolution on such a hot button issue where the Constitution is silent." The Justices' decision may also influence broader debates about whether sexual orientation and gender identity qualify as protected classes under civil rights laws, akin to protections for race and national origin. SUPREME COURT WEIGHS TRANSGENDER YOUTH TREATMENTS IN LANDMARK CASE A court sketch depicts the United States Supreme Court hearing oral arguments regarding abortion rights on Wednesday, April 24, 2024. (William J Hennessy Jr.) CLICK HERE TO GET THE FOX NEWS APP When asked whether Skrmetti believes the incoming Trump administration could persuade the justices one way in the case, he said, "It's ultimately up to the court how they want to handle that." Trump promised during his campaign he would outlaw transgender medical procedures for minors and open the doorway to allowing individuals to sue medical providers for conducting them. "But there is a path there for them to continue this, and I think it's important that we get clarity soon, because there are so many cases involving these issues, and the lower courts have not been consistent and are looking for guidance, and it would do everyone good to have a more clear answer to the state of the law," he said. Fox News Digital's Shannon Bream and Bill Mears contributed to this report. Jamie Joseph is a writer who covers politics. She leads Fox News Digital coverage of the Senate.While closing the Mamas’ three-day Flower Sales at Independence Park last Friday, the Association’s President, Mr. Maurice Horry, said he was rather disappointed at not having a Government Official from the Ministry of Climate Change or Ministry of Health capitalise on the event to promote the Government’s current policies on Climate Change and Non-Communicable Diseases (NCDs). He said, as a former long-time Quarantine Officer, he is proud of all the mamas in his organisation who continue to promote Government policies through their flowers, fruit, and timber seedlings. “However, it would be especially important for the Government to use the event to encourage the mamas to do all they can to promote the nation’s policies on our green environment and healthy living,” he said. He said his organisation fulfilled its commitment by paying VT15,000 to the Ministry of Internal Affairs as a charitable organisation, to use the lawn below the Government Offices at Independence Park for three days. Asked why the mamas were not addressed, he suspected an "end-of-year fatigue," which is experienced by all Government employees at the end of each year. But he said it was an ideal opportunity for the Government to speak to the mamas, as they had come together for one purpose, which was to sell their plants. “We come together to sell our flowers to beautify homes, and we encourage both political leaders and public servants to use our gathering to promote the Government’s policies,” he said. He wished all mamas a Merry Christmas and a Prosperous 2025.