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Villers-lès-Nancy, 27 December 2024 - 6:00 p.m. (CET) PRESS RELEASE Equasens strengthens its presence in the healthcare software market with the strategic acquisition of Calimed, a SaaS software expert for private practitioners and surgeons Equasens Group (Euronext ParisTM - Compartment B - FR 0012882389 -EQS), a leading provider of digital solutions for healthcare professionals , acquires a 90% majority stake in Calimed SAS, a pure player in the market for 100% cloud-based medical P ractice M anagement S oftware (PMS) operating under the Calimed Santé brand. The acquisition of Calimed will contribute to Equasens Group's strategy of strengthening its position in the French PMS market by increasing its market share and expanding its portfolio of online solutions to support the digital transition of medical practices. Calimed: unique expertise and widely acclaimed innovative solutions Founded in 2007, Calimed stands out for its unique know-how resulting from its collaboration with physicians and IT specialists from the very beginning combined with expertise in Cloud technologies. The company has developed two SaaS solutions: The Calimed software for private practice surgeons featuring innovative professional modules including advanced pre-, per- and postoperative questionnaire management, and automatic data integration into the establishments' Electronic Patient Record, offering considerable time savings, Easy-care, a “Ségur” and “Digital Prescription” certified solution PMS, launched in late 2022. Designed for general practitioners and specialists alike, easy-care is highly appreciated for its user-friendliness and ease of use. Sustained growth and ambitious goals Calimed's strong growth momentum over the last few years has been driven by the ongoing acquisition of new customers and excellent customer retention rates (nearly 4,000 active users on both solutions to date). Its business model is based on recurring revenues from SaaS subscriptions, characterized by very low attrition, a measure of customer satisfaction. As a member of Equasens Group, Calimed will benefit from increased resources and synergies to enhance its offering, optimise its cloud capabilities and accelerate its growth in a fast-changing market. The aim is to eventually address all private healthcare professionals, medics and paramedics, whether practicing in private facilities, or coordinated multidisciplinary groups (Multi-professional Healthcare Centers, health centers). A new step in the development strategy of Equasens’ Medical Solutions Division Calimed will become part of the Equasens Group’s Medical Solutions Division which now offers a comprehensive range of software solutions covering the needs of medical and paramedical professions. These include dedicated solutions for GPs (MediStory, easy-care), private practice surgeons (Calimed), multidisciplinary structures (MediLink), nurses (Infipratik) and physiotherapists (Kinépratik), totalling more than 25,000 users. Strong and multiple synergies for an effective, customised offering By joining forces, Equasens and Calimed aim to: Proceed with the large-scale deployment of the easy-care solution for doctors and accelerate the rate of new client recruitment beginning in 2025. Establish a major competitive differentiation by integrating Equasens' innovative modules into the easy-care solution, such as: the on-line appointment scheduling solution, the PandaLab Pro inter-professional messaging system and the Group's patient application, as well as the AI Loquii voice consultation assistant, launched a few months ago). Integrate Calimed's innovative modules, in particular "Follow-Up" for pre-, per- and post-operative monitoring, into the Medical Solutions Division's software range. Take advantage of the technological synergies between easy-care, a 100% web-based solution, and Medistory, available exclusively on Apple operating systems, to offer healthcare professionals a range of software solutions adapted to their specific needs. Calimed's offerings will also benefit from the data protection and sovereignty features provided by Equasens' Private Health Cloud infrastructures certified for hosting healthcare data and operational since last June. A fast-changing market, driven by the shift to digital healthcare This acquisition is being carried out at a time when the healthcare system is undergoing profound change. Digital solutions are emerging as a major lever for optimising costs, streamlining care pathways and strengthening coordination between professionals. New regulations are creating strong momentum for innovation and investment by imposing requirements for open, secure and interoperable solutions. With a total of 200,000 practitioners, including 115,000 in private practice 1 , there is considerable potential for growth. The Medical Solutions Division is currently the third-largest player in the French market for private medical practice software, a segment that is still fragmented and which offers significant potential for consolidation. New high added value functionalities make Calimed Santé solutions even more attractive Calimed Santé solutions will soon be integrating major innovations. Beginning in early 2025, a gateway between their Calimed business applications and easy-care will give surgeons access to new digital services such as digital prescriptions. These developments will improve patient care pathways and coordination between healthcare professionals. As for current and future easy-care users, they will soon benefit from a multi-user platform, with modules dedicated to each medical speciality and innovative services based on AI. Denis SUPPLISSON, Chief Executive Officer of Equasens, commented: " Acquiring Calimed is an important step in the deployment of our “Patient-Centric” strategy aimed at healthcare professionals and facilities. This acquisition strengthens our portfolio of innovative cloud solutions for private practice surgeons and physicians, complementing our core offerings. Calimed and easy-care users will soon benefit from enhanced features provided by complementary modules developed by Equasens, such as Loquii and Pandalab Pro, designed to facilitate their practice and enable them to devote more time to treating their patients. ” Frédéric SUANT, Manager of Calimed, added: " By joining the Equasens Group, besides shared values, Calimed will be able to significantly accelerate its technical development. Our goal is to establish easy-care as the market-leading software in the medium term, by pooling services, building brand awareness and getting our teams highly involved, while leveraging Equasens' strengths and market reach. ” Dominique GOURSAUD, Manager of the Equasens Medical Solutions Division concluded: " This acquisition will contribute to our goal of developing an offering of services and solutions co-constructed with and for healthcare professionals. An offering that meets the needs of doctors for their patients... and not the other way around ". Financial details of this transaction remain confidential. Calimed's management and teams remain in place, to continue their missions with the reinforced support of Equasens Group. About Equasens Group Founded over 35 years ago, Equasens Group, a leader in digital healthcare solutions, today employs over 1,300 people across Europe. The Group's mission is to facilitate the day-to-day work of healthcare professionals and their teams, working in private practice, collaborative medical structures or healthcare establishments, through "professional" software and applications. The Group also provides comprehensive support to healthcare professionals in the transformation of their profession by developing electronic equipment, digital solutions and healthcare robotics, as well as data hosting, financing and training adapted to their specific needs. Reflecting the spirit of its tagline "Technology for a More Human Experience", the Group is a leading provider of interoperability solutions that improve coordination between healthcare professionals, their communications and data exchange resulting in better patient care and a more efficient and secure healthcare system. Get all the news about Equasens Group www.equasens.com and on LinkedIn Listed on Euronext ParisTM - Compartment B Indices: MSCI GLOBAL SMALL CAP - GAÏA Index 2020 - CAC® SMALL and CAC® All-Tradable Included in the Euronext Tech Leaders segment and the European Rising Tech label Eligible for the Deferred Settlement Service (“Service à Réglement Différé” - SRD) and equity savings accounts invested in small and mid-caps (PEA-PME). ISIN: FR 0012882389 – Ticker Code: EQS CONTACTS Equasens Group Analyst and Investor Relations: Chief Administrative and Financial Officer: Frédérique SCHMIDT Tel.: +33 (0)3 83 15 90 67 – frederique.schmidt@equasens.com Equasens Group Communications Director: Noëlle STOULIG communication@equasens.com Financial communications agency: FIN’EXTENSO - Isabelle APRILE Tel.: +33 (0)6 17 38 61 78– i.aprile@finextenso.fr Forward-looking statements This press release contains forward-looking statements that are not guarantees of future performance and are based on current opinions, forecasts and assumptions, including, but not limited to, assumptions about Equasens' current and future strategy and the environment in which Equasens operates. These involve known and unknown risks, uncertainties and other factors, which may cause actual results, performance or achievements, or industry results or other events, to materially differ from those expressed in or implied by such forward-looking statements. These risks and uncertainties include those detailed in Chapter 3 "Risk factors" of the Universal Registration Document filed with the French financial market authority (Autorité des Marchés Financiers or AMF) on April 29, 2024 under number D.24-0366. These forward-looking statements are valid only as of the date of this press release. 1 Source : Atlas of Medical Demographics in France - Situation on January 1, 2024 -- French National Medical Council Attachment EQUASENS_PRESS RELEASE_20241227_Acquisition-Calimed-EN_GBNEWARK — After a recount, the results of a Newark City Council race have held, with Jactina Arteaga headed toward victory with a four vote advantage. By Friday afternoon, Arteaga had a 0.1% lead, with 6,446 votes to Julie Del Catancio’s 6,442 votes. The Alameda County Registrar of Voters manually recounted all of the race’s ballots by Friday afternoon and the results appeared to hold the same, an official said Friday. Tim DuPuis, the Alameda County registrar, said Friday that he personally made the decision to review the race’s results because it was within 10 votes of separation – the closest race in the county. The results of the recount appeared to hold, Dupuis said Friday. The only other tight race in the county, he added, was the Fremont District 6 council race where Raymond Liu had a 36-vote lead over incumbent Teresa Cox. At one point, the contest had been as close as 12 votes before more ballots were counted.Dupuis said he did not elect to recount that race. Arteaga received a bachelor’s degree in business administration from Cal State University, Hayward. She has previous experience as a child support officer for San Mateo County, in finance and public safety administration in San Mateo County District Attorney Steve Wagstaffe’s office and as an assistant agency director with the Social Services Agency. “Although it has been a roller coaster with the results these past few weeks, it is important that every vote gets counted. I’m glad the ROV is doing a manual count and I hope that I remain in the lead,” Arteaga said in a statement Friday before the recount was completed. “Either way the voters have spoken and we will have new leadership on the council beginning in December.” The latest campaign finance records show Arteaga raised $14,902 through October, mostly through small donations, including a $2,500 personal loan. She spent $5,820, largely on print ads and other campaign advertising materials. “It seems like what people really want to see is that they’re safe, that their families are safe, and that we’re responsible,” Del Catancio said in an interview Friday. “I feel like I’d fit in wholeheartedly because I really love Newark, I’m a long term resident here and I also work in the area.” Del Catancio received a law degree from the University of San Francisco School of Law and a master’s degree in administration from the University of Kansas. She is currently a Newark planning commissioner and educator in the Newark Unified School District. “Win or lose, I feel like we put our heart and soul into it and we tried the best that we could. And so I think that it’s really up to the people,” Del Catancio added. “The fact is that in any race, you set out, you try your hardest, you meet the people and they make a decision. We’ll see how it goes, fingers crossed.” The registrar’s office expects to certify the Nov. 5 election results in December.

LOS ANGELES, Dec. 27, 2024 (GLOBE NEWSWIRE) -- Glancy Prongay & Murray LLP (“GPM”) reminds investors of the upcoming January 7, 2025 deadline to file a lead plaintiff motion in the class action filed on behalf of investors who purchased or otherwise acquired TMC the metals company Inc. (“TMC” or the “Company”) (NASDAQ: TMC ) securities between May 12, 2023 and March 25, 2024 , inclusive (the “Class Period”). If you suffered a loss on your TMC investments or would like to inquire about potentially pursuing claims to recover your loss under the federal securities laws, you can submit your contact information at www.glancylaw.com/cases/TMC-the-metals-company-Inc-1/ . You can also contact Charles H. Linehan, of GPM at 310-201-9150, Toll-Free at 888-773-9224, or via email at shareholders@glancylaw.com to learn more about your rights. On March 25, 2024, TMC disclosed that its financial statements for the first three quarters of 2023 should no longer be relied upon and would need to be restated, citing the Company’s partnership with Low Carbon Royalties Inc. (“LCR”) and “whether the offsetting entry to the proceeds it received from LCR should be classified as debt or deferred income.” Further, TMC stated that “[a]s the transaction with LCR was considered an equity investment rather than a sale transaction, the sale of future revenue will be reclassified as Royalty liability” per appropriate accounting standards. On this news, TMC’s stock price fell $0.205, or 13.2%, to close at $1.345 per share on March 26, 2024, thereby injuring investors. The complaint filed in this class action alleges that throughout the Class Period, Defendants made materially false and/or misleading statements, as well as failed to disclose material adverse facts about the Company’s business, operations, and prospects. Specifically, Defendants failed to disclose to investors that: (1) TMC maintained deficient internal controls over financial reporting; (2) as a result, the Company inaccurately classified the sale of future revenue attributable to the LCR Partnership as deferred income rather than debt; (3) the foregoing misclassification, when it became known, would require TMC to restate one or more of its previously issued financial statements; and (4) as a result, Defendants’ positive statements about the Company’s business, operations, and prospects were materially misleading and/or lacked a reasonable basis at all relevant times. Follow us for updates on LinkedIn , Twitter , or Facebook . If you purchased or otherwise acquired TMC securities during the Class Period, you may move the Court no later than January 7, 2025 to request appointment as lead plaintiff in this putative class action lawsuit. To be a member of the class action you need not take any action at this time; you may retain counsel of your choice or take no action and remain an absent member of the class action. If you wish to learn more about this class action, or if you have any questions concerning this announcement or your rights or interests with respect to the pending class action lawsuit, please contact Charles Linehan, Esquire, of GPM, 1925 Century Park East, Suite 2100, Los Angeles, California 90067 at 310-201-9150, Toll-Free at 888-773-9224, by email to shareholders@glancylaw.com , or visit our website at www.glancylaw.com . If you inquire by email please include your mailing address, telephone number and number of shares purchased. This press release may be considered Attorney Advertising in some jurisdictions under the applicable law and ethical rules. Contacts Glancy Prongay & Murray LLP, Los Angeles Charles Linehan, 310-201-9150 or 888-773-9224 shareholders@glancylaw.com www.glancylaw.comMANCHESTER, England (AP) — Manchester City manager Pep Guardiola denied he has a “personal problem” with Kevin De Bruyne and insisted Tuesday the playmaker's absence from the team in recent weeks was down to his fitness issues. City has not won in seven games in all competitions — its worst run under Guardiola — and De Bruyne has featured only as a substitute in the last five of those matches after recovering from a pelvic injury. The Belgium midfielder was injured during City’s Champions League match with Inter Milan on Sept. 18 and hasn't started since. A number of prominent pundits, including former City defender and club ambassador Micah Richards, have questioned why De Bruyne has not been starting games amid the champions’ dramatic slump. Richards said on “The Rest is Football” podcast that it appeared “there’s some sort of rift going on” between De Bruyne and Guardiola. Guardiola responded in his news conference ahead of Wednesday's Premier League match against Nottingham Forest, saying: “People say I’ve got a problem with Kevin. Do you think I like to not play with Kevin? No, I don’t want Kevin to play? “The guy who has the most talent in the final third — I don’t want it? I have a personal problem with him after nine years together? He’s delivered to me the biggest success to this club, but he’s been five months injured (last season) and two months injured (this year). He’s 33 years old. He needs time to find his best, like last season, step by step. He’ll try to do it and feel better. I’m desperate to have his best.” Both De Bruyne and Guardiola have spoken since of the pain De Bruyne was in after his injury against Inter and the need to ease him back into action. De Bruyne is in the final year of his contract. “I’d love to have the Kevin in his prime, 26 or 27. He would love it too — but he is not 26 or 27 anymore," Guardiola said. “He had injuries in the past, important and long ones. He is a guy who needs to be physically fit for his space and energy. You think I’m complaining? It’s normal, it’s nature. He’s played in 10 or 11 seasons a lot of games and I know he is desperate to help us. He gives glimpses of brilliance that only he can have." AP soccer: https://apnews.com/hub/soccer

FEMA under investigation over Trump supporter discrimination

SLUG: TWO STOCK BROKERS BOOKED Ahmedabad: A chartered accountant (CA) from Isanpur lodged a police complaint on Friday against two stockbrokers based in Gandhidham, Kutch, and Chandkheda here. The accused allegedly swindled him and five others out of Rs 56 lakh by promising exceptional returns on stock market investments. In his FIR, the 29-year-old complainant detailed that he encountered Kailash Bulchandani, who operates from a commercial complex in the Satellite area, at the latter's office in 2022. Bulchandani is a native of Adipur in Gandhidham, Kutch. He partners with Neel Mehta from Zundal in Chandkheda. A mutual friend introduced the complainant to the pair when he sought information about investment opportunities. According to the complainant, Bulchandani assured him of doubled returns on investments. After being persuaded by both Bulchandani and Mehta, the complainant proceeded with the investment. Bulchandani reportedly promised monthly returns of Rs 10,000 for every Rs 10 lakh invested in the stock market. They formalised the arrangement through an MoU (memorandum of understanding) guaranteeing regular payments. The complainant revealed that five of his friends also invested through the duo. By Aug 2022, the total invested amount reached Rs 56 lakh. However, the accused only disbursed Rs 10,000 for two months before ceasing all payments. Subsequently, the complainant and other investors approached Satellite police station recently to register a case of breach of trust, cheating, and criminal conspiracy under the Indian Penal Code (IPC). Stay updated with the latest news on Times of India . Don't miss daily games like Crossword , Sudoku , Location Guesser and Mini Crossword .This video may be the most memorable moment ever at a drive-thru in Alberta! Meet Magnum, the sweet-toothed steer who pulled into one Tim Hortons drive-thru Saturday morning in Sylvan Lake in central Alberta to pick up his favourite Timbits. Kelly Landry is originally from Quebec. She moved to Alberta last April and tells CityNews she’s been riding the eight-year-old steer since he was 10-months-old. “I just strap and go. When I know there’s something that could be dangerous I just talk and prepare myself and try to just distract him,” she explained. Landry says she used to take Magnum on adventures to local businesses and drive-thru’s when she lived in Quebec, and she’ll continue to do the same now in Alberta. “I just rode him two times in town. He’s been here since the end of October. I can take him to the grocery. I’ll try to go to the beach.” And whether Magnum is a local celebrity, she says, “I think he will.” The video of Magnum at Tim Hortons is going viral on social media. Landry says the reactions she received online and from locals were priceless. “Many were surprised and took pictures of him. Sometimes I let people go on him, more kids.”

CLEVELAND (AP) — Only the Cleveland Browns. Only a team beset by perpetual problems at quarterback for the better part of two decades can get a record-setting 497-yard, four-touchdown, jaw-dropping, where-did-that-come-from performance on Monday night from Jameis Winston — and still lose. History wrapped in misery. Only the Browns. Winston spoiled a high-level performance in Denver's thin air by throwing a pair of pick-sixes — the second with 1:48 remaining — as the Broncos rode big plays to a 41-32 win over the Browns (3-9), who have to wonder what their disappointing season might look like if Deshaun Watson had been benched before getting hurt. The loss ended any illusions the Browns had of making a late playoff push like they did a year ago. It also clinched the team's 22nd losing season since its expansion rebirth in 1999. In his fifth start this season, Winston provided further evidence that the Browns made a major mistake by not switching QBs long before Watson ruptured his Achilles tendon on Oct. 20 against Cincinnati. Cleveland's offense has come alive behind Winston, who has thrown for over 300 yards three times, something Watson didn't do in 19 starts over his three suspension-shortened, injury-riddled seasons with the Browns. While there were some positives, Winston's turnovers were too costly. "You’re not going to play perfect at the quarterback position. He knows that," coach Kevin Stefanski said Tuesday on a Zoom call. “I know that ultimately he wants to do anything in his power to help this team win and that’s going to be taking care of the ball. But he also had moments there where he was moving that offense and did a nice job.” Winston may not be the long-term answer for the Browns, but he's showing he can at least give them a viable option for 2025 while the club sorts through the tangled Watson situation, which continues to have a stranglehold on the franchise. In all likelihood, and assuming he's fully recovered, Watson will be back next season in some capacity with the Browns, who are still on the hook to pay him $92 million — of his fully guaranteed $230 million contract — over the next two seasons. Releasing Watson would have damaging salary-cap implications, and while that would be a bitter financial pill for owners Dee and Jimmy Haslam to swallow, it could the Browns' safest and easiest exit strategy. And if they needed any proof that such a strategy can work, the Browns only had to look across the field at the Broncos, who got out from under QB Russell Wilson's monster contract by cutting him, taking the financial hit and drafting Bo Nix. After some common early growing pains, Nix has settled in and the rookie has the Broncos in the mix for a postseason berth. It wasn't long ago that the Browns thought their quarterback concerns were behind them. Instead, they lie ahead. What’s working Stefanski's decision to hand over the play-calling duties to first-year coordinator Ken Dorsey has been a positive. While the move hasn't led directly to many wins, the Browns have moved the ball much more effectively and scored at least 20 points in three of five games since the switch after not scoring 20 in their first eight. What needs help An issue all season, Cleveland's defense was again gashed for long plays and TDs, including a 93-yard scoring pass in the third quarter. The Browns have allowed 48 plays of 20-plus yards and 12 of at least 40 yards. Stock up WR Jerry Jeudy. His return to Denver was a personal and professional triumph — except on the scoreboard. Vowing revenge on the Broncos, who traded him to the Browns in March, Jeudy had the best game of his career, catching nine passes for 235 yards and a TD. Since Winston took over as Cleveland's starter, Jeudy leads the league with 614 yards receiving. Jeudy just might be the No. 1 receiver the Browns have needed following Amari Cooper's trade. Jordan Hicks gets an honorable mention after recording 12 tackles. Stock down K Dustin Hopkins. He missed a 47-yard field goal to end Cleveland's first drive, setting the tone for a night of missed opportunities. After making 33 of 36 field goal tries in his first season with the Browns, Hopkins is just 16 of 23, with his inaccuracy raising questions why the team signed him to a three-year, $15.9 million contract in July. Injuries Stefanski had no updates from the game. ... LB Jeremiah Owusu-Koramoah remains sidelined with a neck injury suffered on Nov. 2. Stefanski ruled him out again for Sunday's game at Pittsburgh. Key number 552 — Yards of total offense for the Browns, just 10 shy of the single-game franchise record set in 1989. Up next A short turnaround before visiting the Steelers (9-3), who will be looking to avenge their 24-19 loss in Cleveland on Nov. 21. AP NFL: https://apnews.com/hub/nflNEW 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: 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. 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. “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. “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. “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. 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. “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. 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. 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, executive 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. 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.

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MOMENTS TO REMEMBER

MANCHESTER, England (AP) — Manchester City manager Pep Guardiola denied he has a “personal problem” with Kevin De Bruyne and insisted Tuesday the playmaker's absence from the team in recent weeks was down to his fitness issues. City has not won in seven games in all competitions — its worst run under Guardiola — and De Bruyne has featured only as a substitute in the last five of those matches after recovering from a pelvic injury. The Belgium midfielder was injured during City’s Champions League match with Inter Milan on Sept. 18 and hasn't started since. A number of prominent pundits, including former City defender and club ambassador Micah Richards, have questioned why De Bruyne has not been starting games amid the champions’ dramatic slump. Richards said on “The Rest is Football” podcast that it appeared “there’s some sort of rift going on” between De Bruyne and Guardiola. Guardiola responded in his news conference ahead of Wednesday's Premier League match against Nottingham Forest, saying: “People say I’ve got a problem with Kevin. Do you think I like to not play with Kevin? No, I don’t want Kevin to play? “The guy who has the most talent in the final third — I don’t want it? I have a personal problem with him after nine years together? He’s delivered to me the biggest success to this club, but he’s been five months injured (last season) and two months injured (this year). He’s 33 years old. He needs time to find his best, like last season, step by step. He’ll try to do it and feel better. I’m desperate to have his best.” Both De Bruyne and Guardiola have spoken since of the pain De Bruyne was in after his injury against Inter and the need to ease him back into action. De Bruyne is in the final year of his contract. “I’d love to have the Kevin in his prime, 26 or 27. He would love it too — but he is not 26 or 27 anymore," Guardiola said. “He had injuries in the past, important and long ones. He is a guy who needs to be physically fit for his space and energy. You think I’m complaining? It’s normal, it’s nature. He’s played in 10 or 11 seasons a lot of games and I know he is desperate to help us. He gives glimpses of brilliance that only he can have." AP soccer: https://apnews.com/hub/soccerOrchid Medical Centre: The Hub for Top Neurosurgeons in RanchiSmartDrone Acquires Drone Operations of Skytec, Expanding UAV Service Capabilities

UConn coach Dan Hurley told reporters Tuesday that star forward Alex Karaban is out for Wednesday's top-25 matchup against visiting Baylor. Karaban was transported to a hospital in Hawaii last Wednesday after sustaining a head injury during an 85-67 loss to Dayton on the final day of the Maui Invitational. Karaban hit the floor after being fouled on a contested layup with approximately 2 1/2 minutes left in the second half. He was later cleared to fly home with the rest of the team on Thursday. The junior sat out Saturday's 99-45 win over Maryland Eastern Shore, but now he will miss a more important game that pits the No. 25 Huskies (5-3) against the No. 15 Bears (5-2) in the Big 12-Big East Battle. Karaban has been UConn's leading scorer (15.9 ppg), adding 4.1 rebounds and 3.3 assists per game. A starter for each of the Huskies' last two national championship-winning seasons, Karaban owns career averages of 11.7 points, 4.7 rebounds and 1.7 assists per game. Jaylin Stewart drew into the starting lineup in Karaban's place against UMES. --Field Level MediaNone

NVIDIA Rockets Ahead! The Future of Gaming Changes ForeverMANCHESTER, England (AP) — Manchester City manager Pep Guardiola denied he has a “personal problem” with Kevin De Bruyne and insisted Tuesday the playmaker's absence from the team in recent weeks was down to his fitness issues. City has not won in seven games in all competitions — its worst run under Guardiola — and De Bruyne has featured only as a substitute in the last five of those matches after recovering from a pelvic injury. The Belgium midfielder was injured during City’s Champions League match with Inter Milan on Sept. 18 and hasn't started since. A number of prominent pundits, including former City defender and club ambassador Micah Richards, have questioned why De Bruyne has not been starting games amid the champions’ dramatic slump. Richards said on “The Rest is Football” podcast that it appeared “there’s some sort of rift going on” between De Bruyne and Guardiola. Guardiola responded in his news conference ahead of Wednesday's Premier League match against Nottingham Forest, saying: “People say I’ve got a problem with Kevin. Do you think I like to not play with Kevin? No, I don’t want Kevin to play? “The guy who has the most talent in the final third — I don’t want it? I have a personal problem with him after nine years together? He’s delivered to me the biggest success to this club, but he’s been five months injured (last season) and two months injured (this year). He’s 33 years old. He needs time to find his best, like last season, step by step. He’ll try to do it and feel better. I’m desperate to have his best.” Both De Bruyne and Guardiola have spoken since of the pain De Bruyne was in after his injury against Inter and the need to ease him back into action. De Bruyne is in the final year of his contract. “I’d love to have the Kevin in his prime, 26 or 27. He would love it too — but he is not 26 or 27 anymore," Guardiola said. “He had injuries in the past, important and long ones. He is a guy who needs to be physically fit for his space and energy. You think I’m complaining? It’s normal, it’s nature. He’s played in 10 or 11 seasons a lot of games and I know he is desperate to help us. He gives glimpses of brilliance that only he can have." AP soccer: https://apnews.com/hub/soccer

Rackspace Technology to Participate in the UBS Global Technology and AI ConferenceSouth Korea lifts president's martial law decree after lawmakers reject military rule SEOUL, South Korea (AP) — The president of South Korea early Wednesday lifted the martial law he imposed on the country hours earlier, bending to political pressure after a tense night in which troops surrounded parliament and lawmakers voted to reje Kim Tong-hyung, The Associated Press Dec 3, 2024 3:16 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message A man shouts to demand South Korean President Yoon Suk Yeol to step down in front of the National Assembly in Seoul, South Korea, Wednesday, Dec. 4, 2024. (AP Photo/Ahn Young-joon) SEOUL, South Korea (AP) — The president of South Korea early Wednesday lifted the martial law he imposed on the country hours earlier, bending to political pressure after a tense night in which troops surrounded parliament and lawmakers voted to reject military rule. President Yoon Suk Yeol, who appeared likely to be impeached over his actions, imposed martial law late Tuesday out of frustration with the opposition, vowing to eliminate “anti-state” forces as he struggles against opponents who control parliament and that he accuses of sympathizing with communist North Korea. Police and military personnel were seen leaving the grounds of parliament following the bipartisan vote to overrule the president, and the declaration was formally lifted around 4:30 a.m. during a Cabinet meeting. Parliament acted swiftly after martial law was imposed, with National Assembly Speaker Woo Won Shik declaring that the law was “invalid” and that lawmakers would “protect democracy with the people.” In all, martial law was in effect for about six hours. The president’s surprising move harkened back to an era of authoritarian leaders that the country has not seen since the 1980s, and it was immediately denounced by the opposition and the leader of Yoon’s own conservative party. Lee Jae-myung , leader of the liberal Democratic Party, which holds the majority in the 300-seat parliament, said the party’s lawmakers would remain in the Assembly’s main hall until Yoon formally lifted his order. Woo applauded how troops quickly left the Assembly after the vote. “Even with our unfortunate memories of military coups, our citizens have surely observed the events of today and saw the maturity of our military,” Woo said. While announcing his plan to lift martial law, Yoon continued to criticize parliament’s attempts to impeach key government officials and senior prosecutors. He said lawmakers had engaged in “unscrupulous acts of legislative and budgetary manipulation that are paralyzing the functions of the state.” Jo Seung-lae, a Democratic lawmaker, claimed that security camera footage following Yoon’s declaration showed that troops moved in a way that suggested they were trying to arrest Lee, Woo and even Han Dong-hoon, the leader of Yoon’s People Power Party. Officials from Yoon’s office and the Defense Ministry did not respond to requests for comment early Wednesday. Seemingly hundreds of protesters gathered in front of the Assembly, waving banners and calling for Yoon’s impeachment. Some protesters scuffled with troops ahead of the lawmakers’ vote, but there were no immediate reports of injuries or major property damage. At least one window was broken as troops attempted to enter the Assembly building. One woman tried unsuccessfully to pull a rifle away from one of the soldiers, while shouting “Aren’t you embarrassed?” Under South Korea’s constitution, the president can declare martial law during “wartime, war-like situations or other comparable national emergency states” that require the use of military force to maintain peace and order. It was questionable whether South Korea is currently in such a state. When martial law is declared, “special measures” can be employed to restrict freedom of press, freedom of assembly and other rights, as well as the power of courts. The constitution also states that the president must oblige when the National Assembly demands the lifting of martial law with a majority vote. Following Yoon’s announcement of martial law, South Korea’s military proclaimed that parliament and other political gatherings that could cause “social confusion” would be suspended, South Korea’s Yonhap news agency said. The military said anyone who violated the decree could be arrested without a warrant. In Washington, the White House said the U.S. was “seriously concerned” by the events in Seoul. A spokesperson for the National Security Council said President Joe Biden’s administration was not notified in advance of the martial law announcement and was in contact with the South Korean government. Pentagon spokesman Maj. Gen. Pat Ryder said there was no effect on the more than 27,000 U.S. service members based in South Korea. The South Korean military also said that the country’s striking doctors should return to work within 48 hours, Yonhap said. Thousands of doctors have been striking for months over government plans to expand the number of students at medical schools. Soon after martial law was declared, the parliament speaker called on his YouTube channel for all lawmakers to gather at the National Assembly. He urged military and law enforcement personnel to “remain calm and hold their positions. All 190 lawmakers who participated in the vote supported the lifting of martial law. At one point, television footage showed police officers blocking the entrance of the National Assembly and helmeted soldiers carrying rifles in front of the building. An Associated Press photographer saw at least three helicopters, likely from the military, that landed inside the Assembly grounds, while two or three helicopters circled above the site. The leader of Yoon’s conservative party called the decision to impose martial law “wrong.” Lee, who narrowly lost to Yoon in the 2022 presidential election, said Yoon’s announcement was “illegal and unconstitutional.” Yoon said during a televised speech that martial law would help “rebuild and protect” the country from “falling into the depths of national ruin.” He said he would “eradicate pro-North Korean forces and protect the constitutional democratic order.” “I will eliminate anti-state forces as quickly as possible and normalize the country,” he said, while asking the people to believe in him and tolerate “some inconveniences.” Yoon — whose approval rating dipped in recent months — has struggled to push his agenda against an opposition-controlled parliament since taking office in 2022. His party has been locked in an impasse with the liberal opposition over next year’s budget bill. The opposition has also attempted to impeach three top prosecutors, including the chief of the central Seoul prosecutors’ office, in what the conservatives have called a vendetta against their criminal investigations of Lee, who has been seen as the favorite for the next presidential election in 2027 in opinion polls. During his televised announcement, Yoon also described the opposition as “shameless pro-North Korean anti-state forces who are plundering the freedom and happiness of our citizens.” He did not elaborate. Yoon has taken a hard line on North Korea over its nuclear ambitions, departing from the policies of his liberal predecessor, Moon Jae-in, who pursued inter-Korean engagement. Yoon has also dismissed calls for independent investigations into scandals involving his wife and top officials, drawing quick, strong rebukes from his political rivals. Yoon’s move was the first declaration of martial law since the country’s democratization in 1987. The country’s last previous martial law was in October 1979, following the assassination of former military dictator Park Chung-hee. Sydney Seiler, Korean chair at the Center for Strategic and International Studies, argued that the move was symbolic for Yoon to express his frustration with the opposition-controlled parliament. “He has nothing to lose,” said Seiler, comparing Yoon’s move to the Hail Mary pass in American football, with a slim chance of success. Now Yoon faces likely impeachment, a scenario that was also possible before he made the bold move, Seiler said. Natalia Slavney, research analyst at the Stimson Center’s 38 North website that focuses on Korean affairs, said Yoon’s imposition of martial law was “a serious backslide of democracy" that followed a “worrying trend of abuse” since he took office in 2022. South Korea “has a robust history of political pluralism and is no stranger to mass protests and swift impeachments,” Slavney said, citing the example of former President Park Geun-hye, the country’s first female president, who was ousted from office and imprisoned for bribery and other crimes in 2017 . ___ Associated Press writers Hyung-jin Kim in Seoul, South Korea, and Matt Lee, Didi Tang and Tara Copp in Washington contributed to this report. Kim Tong-hyung, The Associated Press See a typo/mistake? Have a story/tip? 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