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jili games hack By 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 4 Ways to Hit Your Family Savings Goals in 2025 6 Ways to Avoid a Financial Hangover CFPB Will Distribute $1.8B to Victims of Credit Repair ‘Scheme’ 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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WASHINGTON — The incoming Trump administration's plan to slash federal spending would have to overcome decades of court decisions and likely face a Supreme Court showdown, experts say, a legal headwind highlighted by President-elect Donald Trump’s choice of deputy director for the Office of Management and Budget. Trump and allies, including OMB director pick Russ Vought and external advisers Elon Musk and Vivek Ramaswamy, have argued the president can unilaterally choose not to spend funds appropriated by Congress — a process known as impoundment. A 1974 law called the Impoundment Control Act mandates that presidents spend funds appropriated by Congress. A report published by the Vought-led Center for Renewing America argued that the appropriations clause only put a “ceiling” on federal funding and said the 1974 law was an “unprecedented break” with the nation’s history. The report said that “for much of the Nation’s history, such a congressional power was so beyond the realm of constitutional permissibility that it was almost never even asserted.” Musk and Ramaswamy, tapped to lead the so-called Department of Government Efficiency, argued in a Wall Street Journal op-ed that the 1974 law is unconstitutional and “we believe the current Supreme Court would likely side with him on this question.” And Trump in a campaign video last year said he intends to use the “long-recognized impoundment power to squeeze the bloated federal bureaucracy for massive savings.” For decades courts have ruled that presidents cannot ignore Congress’ power to appropriate funds and decide on their own not to spend them, experts said. Nicholas Bagley, a law professor at the University of Michigan, said that Supreme Court decisions dating back as far as 1838 underline the president’s inability to unilaterally refuse to spend the money Congress appropriated. “It’s difficult for me to emphasize, without me sounding like a crazy person, how outlandish this is,” Bagley said. William Ford, a policy advocate at the advocacy group Protect Democracy, said that presidents have routinely lost court battles over efforts to withhold funding since the passage of the Impoundment Control Act. “And so what Trump and his team are now contemplating doing is completely out of step with what every other president has done since 1974. It’s out of step with what they did during their first term. Their extreme arguments, in our view, don’t hold water,” Ford said. William Galston, a senior fellow at the Brookings Institution, said that an effort to cut programs entirely to reach the savings Musk and others have discussed — around $2 trillion — would run straight into the Supreme Court. “The impoundment that he and his senior aides have been talking about is flatly against the law and the only way he can proceed legally is to overturn the law,” Galston said. Upholding that sort of decision would be “declaring open season on the other branches of government, especially Congress,” Galston said. “We’re talking about an entirely different constitutional order if the president can treat the Congress’ power of the purse as an advisory opinion.” Forcing spending Advocates, the Government Accountability Office, and members of Congress have pushed presidents to continue spending money on programs they may disagree with. That includes Rep. Dan Bishop, Trump’s choice for OMB deputy director. He was one of dozens of Republicans who argued the Biden administration violated the Impoundment Control Act through decisions that slow-walked construction of a wall on the U.S.-Mexico border. Bishop signed onto letters to the GAO urging the agency to find that Biden’s actions violated that law, co-sponsored a resolution to censure President Joe Biden for not doing so and co-sponsored legislation mandating the administration spend the funds. Earlier this year, the GAO found that the Biden administration’s delays were “programmatic” and not impoundments in violation of the law, the agency said in a statement. Rather than unilateral decisions to withhold funds, the delays were meant to deal with concerns about the impact on local communities and the environment from the construction. Bishop also signed onto an amicus brief opposing Biden’s effort to cancel student loans for millions of borrowers, which doesn’t explicitly mention the Impoundment Control Act but argues a president shouldn’t be able to use an interpretation of a law to step on congressional control on spending. The brief argued that the Biden administration should not be allowed to make such an major decision without a clear statement from Congress, and doing otherwise would risk “significant conflict between the legislative and executive branches” of government over one of Congress’ core powers. Ford said the GAO is one of numerous entities that could sue or take other actions to force Trump’s hand. Texas and Missouri have sued the Biden administration to force it to spend funds on the border wall. In the first Trump administration, numerous organizations and local governments successfully sued to reinstate Department of Health and Human Services grants that HHS tried to cancel. “There are a ton of other people who can and would get into court to fight this,” Ford said. Under Democratic control, the House itself took the first Trump administration to court over spending issues in 2019. Although the suit did not explicitly involve the 1974 law, the House argued that Trump violated the Appropriations Clause of the Constitution and usurped Congress’ spending power when he moved more than $8 billion in other funds for use in border wall construction. The House even won an appellate court ruling in its favor before the Supreme Court tossed the case after the Biden administration stopped using the money for wall construction. Defund by delay A straight refusal to spend funds appropriated by Congress could get the incoming Trump administration slapped by the courts, but Bagley said other ways of delaying spending could have more effect. Congress has passed thousands of laws placing various restrictions on government decisions, Bagley said, allowing for numerous potential roadblocks to federal spending. “If the president said ‘I have to abide by these various rules before I take any federal action that may impact spending,’ it is a lot harder to get that kind of anti-impoundment declaration off the ground in that context,” Bagley said. “It would be harder for the courts to engage with and enforce. It doesn’t mean that these checks won’t work at all.” Outgoing Senate Budget Chairman Sheldon Whitehouse, D-R.I., called impoundment “a pretty old battleline for the House and Senate, entirely apart from political parties.” “I think he’s going to run into a lot of pushback,” Whitehouse said. ©2024 CQ-Roll Call, Inc., All Rights Reserved. Visit cqrollcall.com. Distributed by Tribune Content Agency, LLC.

News anchor Kendis Gibson is claiming the toxic workplace culture during his time at ABC News played a role in his 2018 suicide attempt. Gibson, 52, opens up about his experience at ABC News in his book Five Trips: An Investigative Journey into Mental Health, Psychedelic Healing and Saving a Life , which will hit shelves on Tuesday December 3. According to an early excerpt from Page Six , Gibson’s time at the network in 2014 started off pleasant as he received “heartwarming reception” from the Good Morning America crew. He gushed over his “official” announcement from Robin Roberts when she dubbed him as “the newest member of the Good Morning America ” live on air. While Gibson noted that Roberts, 64, “couldn’t have been nicer and more genuine on and off camera,” some of his other coworkers warned him of the Disney-owned network’s toxic environment. Gibson claimed that an unnamed Black correspondent welcomed him “to Mickey’s plantation,” seemingly referring to the brand’s notable character, Mickey Mouse. “The sense I got from them was that it was in reference to veiled racism,” Gibson told Page Six in an interview published on Monday, November 25. “And there was some truth to what was behind it.” Gibson shared that throughout his tenure at the network, he worked with “19” different coanchors. As Gibson tried to “perform at the top of the game,” he felt unheard by the executives. He alleged he was spoken down to and recalled a moment he was scolded for dressing like he was “attending a rap concert” by wearing jeans. “I was so naïve ... I had rose-colored glasses on,” he claimed to the outlet. “I didn’t think there was racism taking place. I didn’t see all the indications.“ Gibson shared that he pitched stories for GMA involving Lewis Hamilton , Maluma and an interview with Ricky Martin but they were allegedly passed on. The journalist added that while he was popular with overnight viewers, the real respect came from the prestigious GMA . “If you’re not on GMA , you’re not earning your keep. [It feels like] there’s something wrong with you,” he claimed. “It was screwing with my psyche.” While Gibson confessed that he was struggling with “underlying depression” before joining ABC News, the environment made things worse for him. After working for the network for four years, Gibson reached his lowest point. After returning home from an overnight newscast shift, Gibson took two Ambien while having two glasses of Chardonnay and cried himself to sleep. Gibson later woke up in the middle of the night with thoughts of suicide. He texted his former partner goodbye and was going to jump out his kitchen window. However, the medication and alcohol sent him backward on the floor. Gibson woke up to see his friend and meteorologist, Mike Woods , who remained by his side. Woods ended up staging an intervention for Gibson. Following his suicide attempt, Gibson returned to work. He also sought out therapy and was prescribed antidepressants. “I didn’t like therapy. I had a love-hate relationship with SSRIs,” he reflected. “It allowed me to function a little bit, but it felt more like it was suppressing, and didn’t treat it.” When Gibson’s contract with ABC was up, the network offered him a one-year extension with a $10,000 raise. However, Gibson ended up turning down the offer as he “didn’t think it was worth my time and health to sacrifice another year working that difficult schedule.” You have successfully subscribed. By signing up, I agree to the Terms and Privacy Policy and to receive emails from Us Weekly Check our latest news in Google News Check our latest news in Apple News Following his time at ABC, Gibson moved on to NBC News. Currently he is an anchor at New York’s local station PIX11 News. ABC News declined to comment. If you or someone you know is struggling or in crisis, help is available. Call or text 988 or chat at 988lifeline.org .Pakistan won't accept Trump admin pressure to release Imran: SanaCHICAGO — With a wave of her bangled brown fingertips to the melody of flutes and chimes, artist, theologian and academic Tricia Hersey enchanted a crowd into a dreamlike state of rest at Semicolon Books on North Michigan Avenue. “The systems can’t have you,” Hersey said into the microphone, reading mantras while leading the crowd in a group daydreaming exercise on a recent Tuesday night. The South Side native tackles many of society’s ills — racism, patriarchy, aggressive capitalism and ableism — through an undervalued yet impactful action: rest. Hersey, the founder of a movement called the Nap Ministry, dubs herself the Nap Bishop and spreads her message to over half a million followers on her Instagram account, @thenapministry . Her first book, “Rest Is Resistance: A Manifesto,” became a New York Times bestseller in 2022, but Hersey has been talking about rest online and through her art for nearly a decade. Hersey, who has degrees in public health and divinity, originated the “rest as resistance” and “rest as reparations” frameworks after experimenting with rest as an exhausted graduate student in seminary. Once she started napping, she felt happier and her grades improved. But she also felt more connected to her ancestors; her work was informed by the cultural trauma of slavery that she was studying as an archivist. Hersey described the transformation as “life-changing.” The Nap Ministry began as performance art in 2017, with a small installation where 40 people joined Hersey in a collective nap. Since then, her message has morphed into multiple mediums and forms. Hersey, who now lives in Atlanta, has hosted over 100 collective naps, given lectures and facilitated meditations across the country. She’s even led a rest ritual in the bedroom of Jane Addams , and encourages her followers to dial in at her “Rest Hotline.” At Semicolon, some of those followers and newcomers came out to see Hersey in discussion with journalist Natalie Moore on Hersey’s latest book, “We Will Rest! The Art of Escape,” released this month, and to learn what it means to take a moment to rest in community. Moore recalled a time when she was trying to get ahead of chores on a weeknight. “I was like, ‘If I do this, then I’ll have less to do tomorrow.’ But then I was really tired,” Moore said. “I thought, ‘What would my Nap Bishop say? She would say go lay down.’ Tricia is in my head a lot.” At the event, Al Kelly, 33, of Rogers Park, said some of those seated in the crowd of mostly Black women woke up in tears — possibly because, for the first time, someone permitted them to rest. “It was so emotional and allowed me to think creatively about things that I want to work on and achieve,” Kelly said. Shortly after the program, Juliette Viassy, 33, a program manager who lives in the South Loop and is new to Hersey’s work, said this was her first time meditating after never being able to do it on her own. Therapist Lyndsei Howze, 33, of Printers Row, who was also seated at the book talk, said she recommends Hersey’s work “to everybody who will listen” — from her clients to her own friends. “A lot of mental health conditions come from lack of rest,” she said. “They come from exhaustion.” Before discovering Hersey’s work this spring, Howze said she and her friends sporadically napped together in one friend’s apartment after an exhausting workweek. “It felt so good just to rest in community,” she said. On Hersey’s book tour, she is leading exercises like this across the country. “I think we need to collectively do this,” Hersey explained. “We need to learn again how to daydream because we’ve been told not to do it. I don’t think most people even have a daydreaming practice.” Daydreaming, Hersey said, allows people to imagine a new world. Hersey tells her followers that yes, you can rest, even when your agenda is packed, even between caregiving, commuting, jobs, bills, emails and other daily demands. And you don’t have to do it alone. There is a community of escape artists, she said of the people who opt out of grind and hustle culture, waiting to embrace you. The book is part pocket prayer book, part instruction manual, with art and handmade typography by San Francisco-based artist George McCalman inspired by 19th-century abolitionist pamphlets, urging readers to reclaim their divine right to rest. Hersey directs her readers like an operative with instructions for a classified mission. “Let grind culture know you are not playing around,” she wrote in her book. “This is not a game or time to shrink. Your thriving depends on the art of escape.” The reluctance to rest can be rooted in capitalist culture presenting rest as a reward for productivity instead of a physical and mental necessity. Hersey deconstructs this idea of grind culture, which she says is rooted in the combined effects of white supremacy, patriarchy and capitalism that “look at the body as not human.” American culture encourages grind culture, Hersey said, but slowing down and building a ritual of rest can offset its toxicity. The author eschews the ballooning billion-dollar self-care industry that encourages people to “save enough money and time off from work to fly away to an expensive retreat,” she wrote. Instead, she says rest can happen anywhere you have a place to be comfortable: in nature, on a yoga mat, in the car between shifts, on a cozy couch after work. Resting isn’t just napping either. She praises long showers, sipping warm tea, playing music, praying or numerous other relaxing activities that slow down the body. “We’re in a crisis mode of deep sleep deprivation, deep lack of self-worth, (and) mental health,” said Hersey. According to Centers for Disease Control and Prevention data from 2022 , in Illinois about 37% of adults aren’t getting the rest they need at night. If ignored, the effects of sleep deprivation can have bigger implications later, Hersey said. In October, she lectured at a sleep conference at Gustavus Adolphus College in Minnesota, where her humanities work was featured alongside research from the world’s top neuroscientists. Jennifer Mundt, a Northwestern clinician and professor of sleep medicine, psychiatry and behavioral sciences, praises Hersey for bringing the issue of sleep and rest to the public. In a Tribune op-ed last year, Mundt argued that our culture focuses too heavily on sleep as something that must be earned rather than a vital aspect of health and that linking sleep to productivity is harmful and stigmatizing. “Linking sleep and productivity is harmful because it overshadows the bevy of other reasons to prioritize sleep as an essential component of health,” Mundt wrote. “It also stigmatizes groups that are affected by sleep disparities and certain chronic sleep disorders.” In a 30-year longitudinal study released in the spring by the New York University School of Social Work, people who worked long hours and late shifts reported the lowest sleep quality and lowest physical and mental functions, and the highest likelihood of reporting poor health and depression at age 50. The study also showed that Black men and women with limited education “were more likely than others to shoulder the harmful links between nonstandard work schedules and sleep and health, worsening their probability of maintaining and nurturing their health as they approach middle adulthood.” The CDC links sleeping fewer than seven hours a day to an increased risk of obesity, diabetes, hypertension, heart disease and more. Although the Nap Ministry movement is new for her followers, Hersey’s written about her family’s practice of prioritizing rest, which informs her work. Her dad was a community organizer, a yardmaster for the Union Pacific Railroad Co. and an assistant pastor. Before long hours of work, he would dedicate hours each day to self-care. Hersey also grew up observing her grandma meditate for 30 minutes daily. Through rest, Hersey said she honors her ancestors who were enslaved and confronts generational trauma. When “Rest Is Resistance” was released in 2022, Americans were navigating a pandemic and conversations on glaring racial disparities. “We Will Rest!” comes on the heels of a historic presidential election where Black women fundraised for Vice President Kamala Harris and registered voters in a dizzying three-month campaign. Following Harris’ defeat, many of those women are finding self-care and preservation even more important. “There are a lot of Black women announcing how exhausted they are,” Moore said. “This could be their entry point to get to know (Hersey’s) work, which is bigger than whatever political wind is blowing right now.” Hersey said Chicagoans can meet kindred spirits in her environment of rest. Haji Healing Salon, a wellness center, and the social justice-focused Free Street Theater are sites where Hersey honed her craft and found community. In the fall, the theater put on “Rest/Reposo,” a performance featuring a community naptime outdoors in McKinley Park and in its Back of the Yards space. Haji is also an apothecary and hosts community healing activities, sound meditations and yoga classes. “It is in Bronzeville; it’s a beautiful space owned by my friend Aya,” Hersey said, explaining how her community has helped her build the Nap Ministry. “When I first started the Nap Ministry, before I was even understanding what it was, she was like, come do your work here.” “We Will Rest!” is a collection of poems, drawings and short passages. In contrast to her first book, Hersey said she leaned more into her artistic background; the art process alone took 18 months to complete. After a tough year for many, she considers it medicine for a “sick and exhausted” world. “It’s its own sacred document,” Hersey said. “It’s something that, if you have it in your library and you have it with you, you may feel more human.” lazu@chicagotribune.com

INDIANAPOLIS — It was just a 10-yard completion, easy to overlook in the wake of a record-setting rushing day and easy to dismiss as one of just 11 pass attempts throughout the Indianapolis Colts’ 38-30 victory Sunday against the Tennessee Titans. But Anthony Richardson’s third-and-8 pass to wide receiver Michael Pittman Jr. just after the two-minute warning in the fourth quarter was pivotal to holding off the visitors’ late rally. If the Colts were forced to punt in that situation, a defense that had allowed touchdowns on three consecutive drives — of 70, 55 and 71 yards — would be back on the field with tremendous pressure to prevent the game going to overtime. Richardson was cold and out of rhythm. He’d been sacked on his most recent pass attempt — on third-and-9 with 6:51 remaining — and he hadn’t gotten a pass off since throwing an incompletion intended for wide receiver Josh Downs at the 11:20 mark. With the dual-threat quarterback and running back Jonathan Taylor combining for 270 of Indianapolis’ single-game franchise-record 335 rushing yards, Richardson had not completed a pass since the 8:33 mark of the third quarter, and he was just 1-for-2 in the second half. Still, he was calm and composed on the crucial third down — hitting Pittman on a simple out pattern to move the chains and keep the clock moving. When the Colts finally did punt the ball back to Tennessee, there were only three seconds remaining for the Titans to work with, It was a forgettable play in the grand scheme of the game, but it was also the most recent evidence of the 22-year-old quarterback’s ability to raise his level of play in the clutch. He’s 3-2 as a starter since taking the role back from veteran Joe Flacco, and the other two victories featured game-winning touchdown drives in the fourth quarter. “I think that’s a special trait — obviously as a young player — that he doesn’t flinch in those times, to lead those comebacks,” Colts head coach Shane Steichen said. “Obviously, the (New York) Jets, the New England (Patriots) game, I mean, those are big-time drives to go win games. “You want that out of young players, especially (when) you see the veteran guys do it around the league all the time, but to do it as a young player speaks volumes of the person that he is.” Despite Richardson’s up-and-down season, Indianapolis has maintained steadfast belief in his potential. Even when he was benched for Flacco, the organization repeatedly stated it was not giving up on the quarterback as its future leader. There’s still plenty of work to be done. Richardon has completed just 47.7% of his passes, and he’s thrown 12 interceptions in 11 starts. His rushing ability again was evident Sunday, and he’s set franchise single-season records for a quarterback with 499 rushing yards and six rushing touchdowns. And he has proven his big-play ability with a league-leading 14.4 yards per completion. The Colts still believe improved consistency will come with increased reps, and they hold out hope the fourth overall pick in the 2023 NFL Draft can still become the long-term answer at the game’s most important position. For now, Richardson’s late-game heroics offer the most compelling argument in his favor. “I think it’s just me just playing all the way until the clock hits zero,” Richardson said of his mindset. “I never think about fourth quarter moments or anything like that. I just try to play until the game’s over. And it just happens sometimes that most of it happens in the fourth quarter. So I just try to play through the whistle and just play through the whole game.” After rushing for 218 yards and three touchdowns against the Titans – both the second-highest single-game totals of his career – Taylor has been named the AFC Offensive Player of the Week. It was a major bounce-back performance after Taylor’s unforced fumble just short of the goal line cost the Colts dearly in a pivotal loss against the Denver Broncos a week prior. “It’s always exciting to see that dude just do what he does,” Richardson said. “It’s fascinating, honestly, just to see him hit a gap and just take it to the house. It’s just amazing, especially thinking about what happened in the Denver game. It honestly like wiped my mind. I wasn’t even thinking about it until people were talking about him coming back and having the game he did. “It’s like ‘OK, that’s the type of player he is, the type of person he is.’ He always wants to do better for the team and for himself. And just to see him do that and get what he did on Sunday is just a blessing.” The Colts officially signed right guard Mark Glowinski to the 53-man roster Tuesday after he’d been called up for game day in each of the past three weeks. Guard Antonio Mafi was re-signed to the practice squad after being released from the 53-man roster Monday.Emboldened by the view from the top of the NFC North, the Detroit Lions are out to eliminate nightmare holiday gatherings when the Chicago Bears come to town Thursday for a lunchtime division duel. The Lions (10-1) are streaking one direction, the Bears (4-7) the other in the first matchup of the season between teams on opposite ends of the division. Riding a nine-game winning streak, their longest since a 10-game streak during their first season in Detroit in 1934, the Lions are burdened by losses in their traditional Thanksgiving Day game the past seven seasons. Three of the defeats are courtesy of Chicago. The Bears and Lions get together for the 20th time on Thanksgiving -- the Bears have 11 wins -- this week in the first of two meetings between the teams in a 25-day span. Detroit goes to Soldier Field on Dec. 22. "I think there's two things," Campbell said of the Thanksgiving losing streak. "Number one -- Get a W. And it's a division win that's why this huge. Number two is because the players are going to get a couple of days off. So, they have family, friends in, it'd be nice to feel good about it when you're with everybody because it's just not real fun. It's not real fun to be around." Detroit (10-1) owns the best record in the NFC but the Lions aren't even assured of a division title. Minnesota sits one game behind them and Green Bay is two games back. The Bears (4-7) sit in last place and would likely need to run the table to have any chance of making the playoffs. The Lions have been dominant in all phases and haven't allowed a touchdown in the past 10 consecutive quarters. Detroit's offense ranks first in points per game (32.7) and second in total yardage (394.3) The Lions defense has not given up a touchdown in the last 10 quarters. Rookie placekicker Jake Bates has made all 16 of his field goal attempts, including four from 50-plus yards over the past three games. Chicago shows up in a foul mood. The Bears are saddled with a five-game losing streak and Chicago's defense has been destroyed for nearly 2,000 total yards in the last four games. The Bears failed to reach the 20-point mark four times in five outings since they last won a game. In their latest defeat, rookie quarterback Caleb Williams and the offense perked up but they lost to Minnesota in overtime, 30-27. "We have to play complementary football for us to be able to win these games," coach Matt Eberflus said. "The games we have won, we have done that. The games we have been close we've missed the mark a little bit. Over the course of the year, it's been one side or the other, this side or that side. In this league you have to be good on all sides to win. That's what we are searching for." Williams threw for 340 yards and two touchdowns without an interception. The wide receiver trio of DJ Moore, Keenan Allen and Romeo Odunze combined for 21 receptions and two touchdowns while tight end Cole Kmet caught seven passes. "What I've been impressed with is just how he has grown," Campbell said. "He has grown every game but these last two I really feel like he's taken off and what they're doing with him has been really good for him and he just looks very composed. He doesn't get frazzled, plays pretty fast, and he's an accurate passer, big arm, and he's got some guys that can get open for him." Detroit's banged-up secondary could be susceptible against the Bears' veteran receivers in their bid to pull off an upset on Thursday. The Lions put two defensive backs on injured reserve in the past week and top cornerback Carlton Davis isn't expected to play due to knee and thumb injuries. Detroit offensive tackle Taylor Decker (knee) and top returner Kalif Raymond (foot) are also expected to miss the game, though Campbell expressed optimism that running back David Montgomery (shoulder), formerly of the Bears, would play. Bears safety Elijah Hicks was listed as a DNP for Tuesday's walkthrough. --Field Level Media

Games to snuggle up with this holiday seasonECU CB Shavon Revel Jr. declares for NFL draft

The Israeli prime minister says he is asking his ministers to approve a ceasefire agreement to end the current war between Israel and Hezbollah in Lebanon. In a TV address, Benjamin Netanyahu said his government was ready for a ceasefire but would "respond forcefully to any violation" of a deal. The Iran-backed armed group and Israel have traded cross-border fire since October 2023. But fighting escalated in late September when Israel dramatically intensified aerial bombardments and launched a limited ground invasion. The conflict has been Lebanon's deadliest in decades, killing more than 3,823 people say local officials. On Tuesday, Netanyahu said how long the ceasefire lasted would depend on what happened in Lebanon. "If Hezbollah violates the agreement and attempts to rearm, we will strike. If they try to renew terror activities near the border, we will strike," he said. He also said ending the fighting against Hezbollah in Lebanon, Israel's northern neighbour, would allow the Israel Defense Forces (IDF) to increase pressure on Hamas in Gaza and focus on "the Iranian threat". Iran-backed Hezbollah started firing rockets into Israel a day after its ally Hamas carried out a wide-ranging attack on southern Israel on 7 October 2023, which killed about 1,200 people. "From day two of the war, Hamas was counting on Hezbollah to fight by its side. With Hezbollah out of the picture, Hamas is left on its own," Netanyahu said. He also said ending fighting in Lebanon would give the IDF space to resupply weapons, munitions and troops. The US, Israel's key backer, has led the charge in negotiating a ceasefire deal in Lebanon. Netanyahu still requires approval from his full cabinet but this is expected to be granted as early as Tuesday evening. It is expected there will be an immediate 60-day ceasefire which will see both Israeli forces and Hezbollah's armed presence withdraw from Lebanon's south, the BBC's US partner CBS says. Hezbollah fighters and weapons will be removed from the south of the Litani River, a boundary roughly 30km (19 miles) north of the border, that was established during the last Israel-Hezbollah war in 2006. France, which administered Lebanon for more than 20 years in the last century, and is a long-term ally, is also expected to be involved through the monitoring of the truce. Israel went on the offensive against Hezbollah - which is proscribed as a terrorist organisation by Israel and many Western countries - after almost a year of cross-border fighting sparked by the war in Gaza. It says it wants to ensure the safe return of about 60,000 residents of northern Israeli areas displaced by rocket attacks, which Hezbollah launched in support of Palestinians the day after its ally Hamas’s deadly attack on Israel on 7 October 2023. The war has been devastating for Lebanon, where, in addition to the 3,823 people killed and 15,859 injured, one million residents have been displaced in areas where Hezbollah holds sway. On the Israeli side, the hostilities have killed at least 82 soldiers and 47 civilians, authorities say. The World Bank estimates $8.5bn (£6.8bn) in economic losses and damage in Lebanon. Recovery will take time, and it is unknown how this will be funded. Hezbollah, too, has been devastated. Many of its leaders have been killed, including long-time chief Hassan Nasrallah, in an IDF strike on Beirut on 27 September. A week later Israel also killed his presumed successor, Hashem Safieddine, in another strike. With much of its infrastructure also damaged, how Hezbollah will look after the war remains unclear. The group has been severely weakened but it has not been destroyed. In Lebanon, it is also more than a militia: it is a political party with representation in parliament, and a social organisation, with significant support among Shia Muslims. Hezbollah’s opponents will probably see it as an opportunity to limit its influence - it was often described as “a state within a state” in Lebanon before the conflict - and many fear this could lead to internal violence. Since intensifying the fighting in September, Israel has carried out hundreds of daily strikes in Lebanon, targeting what it said were Hezbollah areas in the south, east and in the capital Beirut. As reports emerged that Netanyahu was discussing a ceasefire deal with his cabinet on Tuesday, the IDF continued its strikes - targeting Beirut with strikes that killed at least seven people.Nasa’s pioneering Parker Solar Probe made history on Tuesday, flying closer to the Sun than any other spacecraft, with its heat shield exposed to scorching temperatures topping 1,700° Fahrenheit (930° Celsius). Launched in August 2018, the spaceship is on a seven-year mission to deepen scientific understanding of our star and help forecast space-weather events that can affect life on Earth. Tuesday’s historic flyby should have occurred at 6.53am, although mission scientists will have to wait until Friday for confirmation as they lose contact with the craft for several days due to its proximity to the Sun. “Right now, Parker Solar Probe is flying closer to a star than anything has ever been before,” at 3.8mn miles (6.1mn km) away, National Aeronautics and Space Administration (Nasa) official Nicky Fox said in a video on social media on Tuesday. “It is just a total ‘yay, we did it,’ moment.” If the distance between Earth and the Sun is the equivalent to the length of an American football field, the spacecraft should have been about four yards from the end zone at the moment of closest approach – known as perihelion. “This is one example of Nasa’s bold missions, doing something that no one else has ever done before to answer long-standing questions about our universe,” Parker Solar Probe programme scientist Arik Posner said in a statement on Monday. “We can’t wait to receive that first status update from the spacecraft and start receiving the science data in the coming weeks.” So effective is the heat shield that the probe’s internal instruments remain near room temperature – around 85F (29C) – as it explores the Sun’s outer atmosphere, called the corona. Parker will also be moving at a blistering pace of around 430,000mph (690,000kph), fast enough to fly from the US capital Washington to Japan’s Tokyo in under a minute. “Parker will truly be returning data from uncharted territory,” said Nick Pinkine, mission operations manager at the Johns Hopkins Applied Physics Laboratory (APL) in Laurel, Maryland. “We’re excited to hear back from the spacecraft when it swings back around the Sun.” “No human-made object has ever passed this close to a star,” he added. By venturing into these extreme conditions, Parker has been helping scientists tackle some of the Sun’s biggest mysteries: how solar wind originates, why the corona is hotter than the surface below, and how coronal mass ejections – massive clouds of plasma that hurl through space – are formed. The Christmas Eve flyby is the first of three record-setting close passes, with the next two – on March 22 and June 19, 2025 – both expected to bring the probe back to a similarly close distance from the Sun. Related Story Qatar establishes WEF's Centre for Fourth Industrial Revolution 61 countries to compete in 8th Katara Award for Reciting Holy Qur’an

NEW YORK (AP) — President-elect Donald Trump wants to turn the lights out on daylight saving time. In a post on his social media site Friday, Trump said his party would try to end the practice when he returns to office. “The Republican Party will use its best efforts to eliminate Daylight Saving Time, which has a small but strong constituency, but shouldn’t! Daylight Saving Time is inconvenient, and very costly to our Nation,” he wrote. Setting clocks forward one hour in the spring and back an hour in the fall is intended to maximize daylight during summer months, but has long been subject to scrutiny. Daylight saving time was first adopted as a wartime measure in 1942. Lawmakers have occasionally proposed getting rid of the time change altogether. The most prominent recent attempt, a now-stalled bipartisan bill named the Sunshine Protection Act , had proposed making daylight saving time permanent. The measure was sponsored by Florida Sen. Marco Rubio , whom Trump has tapped to helm the State Department. “Changing the clock twice a year is outdated and unnecessary,” Republican Sen. Rick Scott of Florida said as the Senate voted in favor of the measure. Health experts have said that lawmakers have it backward and that standard time should be made permanent. Some health groups , including the American Medical Association and American Academy of Sleep Medicine, have said that it’s time to do away with time switches and that sticking with standard time aligns better with the sun — and human biology. Most countries do not observe daylight saving time. For those that do, the date that clocks are changed varies, creating a complicated tapestry of changing time differences. Arizona and Hawaii don't change their clocks at all. Jill Colvin, The Associated Press

At least eight people were killed by Israeli military operations in the northern West Bank around the city of Tulkarem on Tuesday, the Palestinian Health Ministry said, including three people it said were killed by Israeli airstrikes. The Israeli military said it opened fire after militants attacked soldiers, and it was aware of some uninvolved civilians who were harmed in the raid. Elsewhere in the occupied West Bank, the Palestinian city of Bethlehem was marking a second somber Christmas Eve under the shadow of the war in Gaza, with most festivities cancelled and crowds of tourists absent. Israel's bombardment and ground invasion in Gaza has killed over 45,000 Palestinians, more than half of them women and children, according to Gaza’s Health Ministry, which does not distinguish between fighters and civilians in its count. Winter is hitting the Gaza Strip and many of the nearly 2 million Palestinians displaced by the devastating 15-month war with Israel are struggling to protect themselves from the wind, cold and rain. The war in Gaza was sparked by Hamas’s attack on southern Israel in October 2023, during which about 1,200 people were killed and 250 taken hostage by Palestinian militants. Around 100 hostages are still being held in Gaza , although only two thirds are believed to still be alive. Here’s the latest: NUR SHAMS REFUGEE CAMP, West Bank — The Palestinian Health Ministry said at least eight people were killed by Israeli military operations in and around the city of Tulkarem in the northern West Bank on Tuesday. The ministry reported three of the dead were killed by airstrikes. The Israeli military said it opened fire after militants attacked soldiers, and it was aware of some uninvolved civilians who were harmed in the raid. An Associated Press photojournalist captured images of Israeli forces detonating an explosive device planted by Palestinian militants during a raid in the Nur Shams refugee camp. Israel has carried out several large-scale raids in the West Bank since the start of the war in Gaza, ignited by Hamas’ Oct. 7 attack on southern Israel. While airstrikes were once rare in the West Bank, they have grown more common since the outbreak of war as Israeli forces clamp down, saying they aim to prevent attacks on their citizens. Israeli fire has killed at least 800 Palestinians in the occupied West Bank since October 2023, Palestinian health officials say. In that time, Palestinian militants have launched a number of attacks on soldiers at checkpoints and within Israel. SAYDNAYA, Syria — A large crowd of Syrians gathered near a historic monastery in Saydnaya on Christmas Eve to witness the lighting of a towering tree adorned with glowing green lights. Tuesday's celebration offered a rare moment of joy in a city scarred by over a decade of war and an infamous prison , where tens of thousands were held. Families and friends stood beneath the illuminated tree — some wearing Santa hats, others watching from rooftops — while a band played festive music and fireworks lit up the sky “This year is different, there’s happiness, victory and a new birth for Syria and a new birth for Christ,” said Houssam Saadeh, one attendee. Another, Joseph Khabbaz, expressed hope for unity across all sects and religions in Syria, dismissing recent Christmas tree vandalism as “isolated incidents.” Earlier in the afternoon, pilgrims visited the historic Our Lady of Saydnaya Monastery, one of the world’s oldest Christian monasteries, believed to be built in the sixth century. In Homs, a similarly grand Christmas tree was illuminated as security officers patrolled the area to ensure a safe and peaceful gathering, according to Syria’s state media. UNITED NATIONS -- Recent attacks on hospitals in North Gaza, where Israel is carrying out an offensive, are having a devastating impact on Palestinian civilians still in the area, the U.N. humanitarian office says. The U.N. Office for the Coordination of Humanitarian Affairs expressed deep concern at reports that the Israeli military entered the Indonesian Hospital on Tuesday, forcing its evacuation. The humanitarian office, known as OCHA, also expressed deep concern at attacks reported in recent days in and around the two other hospitals in North Gaza that are minimally functioning – Al Awda and Kamal Adwan. OCHA said the Israeli siege on Beit Hanoun, Beit Lahia and parts of Jaballiya in North Gaza continued for a 79th day on Tuesday, and while the U.N. and its partners have made 52 attempts to coordinate humanitarian access to besieged areas in December 48 were rejected by Israel. While four missions were approved, OCHA said the U.N. and its partners faced impediments as a result of Israeli military operations and “none of the U.N.-coordinated attempts to access the area have been fully facilitated.” Throughout the Gaza Strip, OCHA said that Israeli authorities facilitated just 40% of requests for humanitarian movements requiring their approval in December. WASHINGTON — A leading global food crisis monitor says deaths from starvation will likely pass famine levels in north Gaza as soon as next month. The U.S.-created Famine Early Warning System Network says that’s because of a near-total Israeli blockade of food and other aid in that part of Gaza. The finding, however, appears to have exposed a rift within the Biden administration over the extent of starvation in northern Gaza. The U.S. ambassador to Israel, Jacob Lew, disputes part of the data used in reaching the conclusion and calls the intensified famine warning “irresponsible.” Northern Gaza has been one of the areas hardest-hit by fighting and Israel’s restrictions on aid throughout its 14-month war with Hamas militants. UNITED NATIONS — Israel’s foreign minister has requested an emergency meeting of the U.N. Security Council to condemn recent missile and drone attacks by Yemen’s Houthi rebels, and to condemn the group's Iranian allies for allegedly providing the group with weapons. Gideon Saar said in a letter Tuesday to Ambassador Linda Thomas-Greenfield of the United States, which holds the council presidency this month, that the Houthis are violating international law and council resolutions. “This Iranian-backed terrorist group continues to endanger Israel’s and other nations’ security, as well as the freedom of maritime navigation, in flagrant violation of international law,” Saar said. “All of this malign activity is done as part of a broader strategy to destabilize the region.” The U.S. Mission to the United Nations did not immediately respond to an email asking when the council meeting will be held. The Houthis have said they launched attacks on shipping in the Red Sea – and on Israel -- with the aim of ending Israel’s devastating air and ground offensive in the Gaza Strip. The Israeli war in Gaza followed Hamas’ deadly October 2023 attacks in southern Israel. TEL AVIV, Israel — An Israeli military investigation has concluded that the presence of troops inadvertently contributed to the deaths of six hostages killed by their Hamas captors in Gaza. The hostages' bodies were discovered in a tunnel in late August, an event that shook Israel and sparked some of the largest anti-war protests since the war began. The investigation found that the six hostages were killed by multiple gunshots from their captors after surviving for nearly 330 days. The Israeli military’s “ground activities in the area, although gradual and cautious, had a circumstantial influence on the terrorists’ decision to murder the six hostages,” the report found. According to the investigation, the Israeli military began operating in the area where the hostages were being held in southern Gaza about two weeks before their discovery, under the assumption that the chances of hostages in the area was medium to low. On August 27, hostage Qaid Farhan Alkadi was found alone in a tunnel , causing the Israeli military to halt operations for 24 hours to determine if there could be other hostages in the area. The military discovered the opening leading to the tunnel where the bodies of the six hostages were located on August 30. A pathological report estimated the six hostages were killed on August 29. The six hostages killed were Carmel Gat, Eden Yerushalmi, Alexander Lobanov, Almog Sarusi, Ori Danino, and Hersh Goldberg-Polin , whose American-Israeli parents became some of the most recognized spokespeople pleading for the hostages’ release, including addressing the Democratic National Convention days before their son’s killing. “The investigation published tonight proves once again that the return of all hostages will only be possible through a deal,” the Hostages Families Forum said in response to the investigation. “Every passing moment puts the hostages’ lives in immediate danger.” JERUSALEM — The Israeli negotiating team working on a ceasefire returned from Qatar to Israel on Tuesday, the prime minister’s office said, after what it called “a significant week” of talks. After months of deadlock, the U.S., Qatar and Egypt resumed their mediation efforts in recent weeks and reported greater willingness by the warring sides to reach a deal. According to Egyptian and Hamas officials, the proposed agreement would take place in phases and include a halt in fighting, an exchange of captive Israeli hostages for Palestinian prisoners, and a surge in aid to the besieged Gaza Strip. Israel says Hamas is holding 100 hostages, over one-third of whom are believed to be dead. On Monday, Prime Minister Benjamin Netanyahu said there was “some progress” in efforts to reach a deal, but added he did not know how long it would take. CAIRO — Israeli soldiers took control of a hospital in isolated northern Gaza after forcing all the patients and most of the doctors to leave, the Palestinian Health Ministry said Tuesday. Some of the patients had to walk to another hospital while others were driven by paramedics, according to Health Ministry spokesperson Zaher al-Wahidi. He did not specify how many patients had evacuated. The Israeli military confirmed its troops had entered the Indonesian Hospital in the town of Jabaliya as part of an operation searching for Hamas fighters. The army later said its soldiers had left the hospital. The military said it had assisted with evacuating the patients and had not ordered the hospital closed. However, al-Wahidi said only one doctor and maintenance person were left behind. The Indonesian Hospital is one of three hospitals left largely inaccessible in the northernmost part of Gaza because Israel has imposed a tight siege there since launching an offensive in early October. The Israeli army said Tuesday’s operation at the Indonesian Hospital came after militants carried out attacks from the hospital for the past month, including launching anti-tank missiles and planting explosive devices in the surrounding area. The Health Ministry accused Israel of “besieging and directly targeting” the three hospitals in northern Gaza. Hussam Abu Safiya, the director of Kamal Adwan Hospital, said Israeli drones detonated explosives near the hospital and that 20 people were wounded, including five medical staff. The Israeli military declined to comment on the operation around the hospital. DAMASCUS — Scores of Syrian Christians protested in the capital Damascus on Tuesday, demanding greater protections for their religious minority after a Christmas tree was set on fire in the city of Hama a day earlier. Many of the insurgents who now rule Syria are jihadis, although Ahmad al-Sharaa, the leader of the main rebel group Hayat Tahrir al-Sham, has renounced longtime ties to al-Qaida and spent years depicting himself as a champion of pluralism and tolerance. It remains unclear who set the Christmas tree on fire Monday, which was condemned by a representative of Hayat Tahrir al-Sham who visited the town and addressed the community. “This act was committed by people who are not Syrian, and they will be punished beyond your expectations," the HTS representative said in a video widely shared on social media. "The Christmas tree will be fully restored by this evening.” On Tuesday, protesters marched through the streets of Bab Touma in Damascus, shouting slogans against foreign fighters and carrying large wooden crosses. “We demand that Syria be for all Syrians. We want a voice in the future of our country,” said Patriarch Ignatius Aphrem II of the Syriac Orthodox Church as he addressed the crowd in a church courtyard, assuring them of Christians’ rights in Syria. Since HTS led a swift offensive that overthrew President Bashar Assad earlier this month, Syria’s minority communities have been on edge, uncertain of how they will be treated under the emerging rebel-led government. “We are here to demand a democratic and free government for one people and one nation,” another protester said. “We stand united — Muslims and Christians. No to sectarianism.” DOHA — Qatar’s Foreign Ministry said that ceasefire negotiations to end the war in Gaza were ongoing in Doha in cooperation with Egyptian, Qatari, and American mediators. “We will not leave any door unopened in pursuit of reaching an agreement,” said Majid al-Ansari, Qatar’s Foreign Ministry spokesperson on Tuesday. Al Ansari added that rumors the ceasefire would be reached before Christmas are “speculation.” The ceasefire negotiations come at a time when winter is hitting the Gaza Strip and many of the nearly 2 million Palestinians displaced by the devastating 15-month war with Israel are struggling to protect themselves from the wind, cold and rain. Families of the approximately 100 hostages who have been held for 445 days in Gaza are also worried their loved ones will not survive another winter. In a press conference, al-Ansari also called on the international community to lift sanctions on Syria as quickly as possible on Tuesday. “The reason was the crimes of the previous regime, and that regime, with all of its authority, is no longer in place, therefor the causes for these sanctions no longer exist today,” he said. DAMASCUS, Syria — American journalist Austin Tice is believed to be still alive, according to the head of an international aid group. Nizar Zakka, who runs the Hostage Aid Worldwide organization, said there has never been any proof that Tice, who has been missing since 2012, is dead. Zakka told reporters in Damascus on Tuesday that Tice was alive in January and being held by the authorities of ousted Syrian President Bashar Assad. He added that U.S. President Joe Biden said in August that Tice was alive. Zakka said he believes Tice was transferred between security agencies over the past 12 years, including in an area where Iranian-backed fighters were operating. Asked if it was possible Tice had been taken out of the country, Zakka said Assad most likely kept him in Syria as a potential bargaining chip. Biden said Dec. 8 that his administration believed Tice was alive and was committed to bringing him home, although he also acknowledged that “we have no direct evidence” of his status. TEL AVIV, Israel — Hannah Katzir, an Israeli woman who was taken hostage on Oct. 7, 2023, and freed in a brief ceasefire last year, has died. She was 78. The Hostages Families Forum, a group representing the families of people taken captive, confirmed the death Tuesday but did not disclose the cause. Her daughter, Carmit Palty Katzir, said in a statement that her mother’s “heart could not withstand the terrible suffering since Oct. 7.” Katzir’s husband, Rami, was killed during the attack by militants who raided their home in Kibbutz Nir Oz. Her son Elad was also kidnapped and his body was recovered in April by the Israeli military, who said he had been killed in captivity. She spent 49 days in captivity and was freed in late November 2023. Shortly after Katzir was freed, her daughter told Israeli media that she had been hospitalized with heart issues attributed to “difficult conditions and starvation” while she was held captive. TEL AVIV, Israel — Israel's military said the projectile was intercepted before crossing into Israeli territory, but it set off air raid sirens overnight in the country's populous central area, sending residents looking for cover. Israel’s rescue service Magen David Adom said a 60-year-old woman was seriously wounded after being hurt on her way to a protected space. There was no immediate comment from Yemen’s Iranian-backed Houthi rebels. It was the third time in a week that fire from Yemen set off sirens in Israel. On Saturday, a missile slammed into a playground in Tel Aviv, injuring 16, after Israel’s air defense system failed to intercept it. Earlier last week, Israeli jets struck Yemen’s rebel-held capital and a port city, killing nine. Israel said the strikes were in response to previous Houthi attacks.

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CHICAGO — With a wave of her bangled brown fingertips to the melody of flutes and chimes, artist, theologian and academic Tricia Hersey enchanted a crowd into a dreamlike state of rest at Semicolon Books on North Michigan Avenue. “The systems can’t have you,” Hersey said into the microphone, reading mantras while leading the crowd in a group daydreaming exercise on a recent Tuesday night. The South Side native tackles many of society’s ills — racism, patriarchy, aggressive capitalism and ableism — through an undervalued yet impactful action: rest. Hersey, the founder of a movement called the Nap Ministry, dubs herself the Nap Bishop and spreads her message to over half a million followers on her Instagram account, @thenapministry . Her first book, “Rest Is Resistance: A Manifesto,” became a New York Times bestseller in 2022, but Hersey has been talking about rest online and through her art for nearly a decade. Hersey, who has degrees in public health and divinity, originated the “rest as resistance” and “rest as reparations” frameworks after experimenting with rest as an exhausted graduate student in seminary. Once she started napping, she felt happier and her grades improved. But she also felt more connected to her ancestors; her work was informed by the cultural trauma of slavery that she was studying as an archivist. Hersey described the transformation as “life-changing.” The Nap Ministry began as performance art in 2017, with a small installation where 40 people joined Hersey in a collective nap. Since then, her message has morphed into multiple mediums and forms. Hersey, who now lives in Atlanta, has hosted over 100 collective naps, given lectures and facilitated meditations across the country. She’s even led a rest ritual in the bedroom of Jane Addams , and encourages her followers to dial in at her “Rest Hotline.” At Semicolon, some of those followers and newcomers came out to see Hersey in discussion with journalist Natalie Moore on Hersey’s latest book, “We Will Rest! The Art of Escape,” released this month, and to learn what it means to take a moment to rest in community. Moore recalled a time when she was trying to get ahead of chores on a weeknight. “I was like, ‘If I do this, then I’ll have less to do tomorrow.’ But then I was really tired,” Moore said. “I thought, ‘What would my Nap Bishop say? She would say go lay down.’ Tricia is in my head a lot.” At the event, Al Kelly, 33, of Rogers Park, said some of those seated in the crowd of mostly Black women woke up in tears — possibly because, for the first time, someone permitted them to rest. “It was so emotional and allowed me to think creatively about things that I want to work on and achieve,” Kelly said. Shortly after the program, Juliette Viassy, 33, a program manager who lives in the South Loop and is new to Hersey’s work, said this was her first time meditating after never being able to do it on her own. Therapist Lyndsei Howze, 33, of Printers Row, who was also seated at the book talk, said she recommends Hersey’s work “to everybody who will listen” — from her clients to her own friends. “A lot of mental health conditions come from lack of rest,” she said. “They come from exhaustion.” Before discovering Hersey’s work this spring, Howze said she and her friends sporadically napped together in one friend’s apartment after an exhausting workweek. “It felt so good just to rest in community,” she said. On Hersey’s book tour, she is leading exercises like this across the country. “I think we need to collectively do this,” Hersey explained. “We need to learn again how to daydream because we’ve been told not to do it. I don’t think most people even have a daydreaming practice.” Daydreaming, Hersey said, allows people to imagine a new world. Hersey tells her followers that yes, you can rest, even when your agenda is packed, even between caregiving, commuting, jobs, bills, emails and other daily demands. And you don’t have to do it alone. There is a community of escape artists, she said of the people who opt out of grind and hustle culture, waiting to embrace you. The book is part pocket prayer book, part instruction manual, with art and handmade typography by San Francisco-based artist George McCalman inspired by 19th-century abolitionist pamphlets, urging readers to reclaim their divine right to rest. Hersey directs her readers like an operative with instructions for a classified mission. “Let grind culture know you are not playing around,” she wrote in her book. “This is not a game or time to shrink. Your thriving depends on the art of escape.” The reluctance to rest can be rooted in capitalist culture presenting rest as a reward for productivity instead of a physical and mental necessity. Hersey deconstructs this idea of grind culture, which she says is rooted in the combined effects of white supremacy, patriarchy and capitalism that “look at the body as not human.” American culture encourages grind culture, Hersey said, but slowing down and building a ritual of rest can offset its toxicity. The author eschews the ballooning billion-dollar self-care industry that encourages people to “save enough money and time off from work to fly away to an expensive retreat,” she wrote. Instead, she says rest can happen anywhere you have a place to be comfortable: in nature, on a yoga mat, in the car between shifts, on a cozy couch after work. Resting isn’t just napping either. She praises long showers, sipping warm tea, playing music, praying or numerous other relaxing activities that slow down the body. “We’re in a crisis mode of deep sleep deprivation, deep lack of self-worth, (and) mental health,” said Hersey. According to Centers for Disease Control and Prevention data from 2022 , in Illinois about 37% of adults aren’t getting the rest they need at night. If ignored, the effects of sleep deprivation can have bigger implications later, Hersey said. In October, she lectured at a sleep conference at Gustavus Adolphus College in Minnesota, where her humanities work was featured alongside research from the world’s top neuroscientists. Jennifer Mundt, a Northwestern clinician and professor of sleep medicine, psychiatry and behavioral sciences, praises Hersey for bringing the issue of sleep and rest to the public. In a Tribune op-ed last year, Mundt argued that our culture focuses too heavily on sleep as something that must be earned rather than a vital aspect of health and that linking sleep to productivity is harmful and stigmatizing. “Linking sleep and productivity is harmful because it overshadows the bevy of other reasons to prioritize sleep as an essential component of health,” Mundt wrote. “It also stigmatizes groups that are affected by sleep disparities and certain chronic sleep disorders.” In a 30-year longitudinal study released in the spring by the New York University School of Social Work, people who worked long hours and late shifts reported the lowest sleep quality and lowest physical and mental functions, and the highest likelihood of reporting poor health and depression at age 50. The study also showed that Black men and women with limited education “were more likely than others to shoulder the harmful links between nonstandard work schedules and sleep and health, worsening their probability of maintaining and nurturing their health as they approach middle adulthood.” The CDC links sleeping fewer than seven hours a day to an increased risk of obesity, diabetes, hypertension, heart disease and more. Related Articles Although the Nap Ministry movement is new for her followers, Hersey’s written about her family’s practice of prioritizing rest, which informs her work. Her dad was a community organizer, a yardmaster for the Union Pacific Railroad Co. and an assistant pastor. Before long hours of work, he would dedicate hours each day to self-care. Hersey also grew up observing her grandma meditate for 30 minutes daily. Through rest, Hersey said she honors her ancestors who were enslaved and confronts generational trauma. When “Rest Is Resistance” was released in 2022, Americans were navigating a pandemic and conversations on glaring racial disparities. “We Will Rest!” comes on the heels of a historic presidential election where Black women fundraised for Vice President Kamala Harris and registered voters in a dizzying three-month campaign. Following Harris’ defeat, many of those women are finding self-care and preservation even more important. “There are a lot of Black women announcing how exhausted they are,” Moore said. “This could be their entry point to get to know (Hersey’s) work, which is bigger than whatever political wind is blowing right now.” Hersey said Chicagoans can meet kindred spirits in her environment of rest. Haji Healing Salon, a wellness center, and the social justice-focused Free Street Theater are sites where Hersey honed her craft and found community. In the fall, the theater put on “Rest/Reposo,” a performance featuring a community naptime outdoors in McKinley Park and in its Back of the Yards space. Haji is also an apothecary and hosts community healing activities, sound meditations and yoga classes. “It is in Bronzeville; it’s a beautiful space owned by my friend Aya,” Hersey said, explaining how her community has helped her build the Nap Ministry. “When I first started the Nap Ministry, before I was even understanding what it was, she was like, come do your work here.” “We Will Rest!” is a collection of poems, drawings and short passages. In contrast to her first book, Hersey said she leaned more into her artistic background; the art process alone took 18 months to complete. After a tough year for many, she considers it medicine for a “sick and exhausted” world. “It’s its own sacred document,” Hersey said. “It’s something that, if you have it in your library and you have it with you, you may feel more human.” lazu@chicagotribune.comA number of tech billionaires — including many who have not previously backed Trump — are beginning to open their pocketbooks for President-elect Donald Trump , contributing large amounts of money to his inaugural fund . Among them are Amazon's Jeff Bezos, OpenAI's Sam Altman, and Meta's Mark Zuckerberg. Their donations triggered a furious reaction from many commenters on social media. "REMINDER: Jeff Bezos blocked his Washington Post from endorsing VP Harris — now Bezos gives Trump one million dollars to his inaugural committee and Amazon will stream the event!!" progressive talk radio host Dean Obeidallah wrote on X. "The US is a plutocracy!" David Pepper, former chair of the Ohio Democratic Party, warned that things won't go well for the donors. "Because he owns The Washington Post, Bezos would know more than anyone that one of the first scandals in the first Trump term was the excess and graft involved in Trump’s inauguration operation, orchestrated by the cast of shady characters who put it all together," he wrote. "As for those business leaders cozying up to Trump to curry favor, they might want to read 'Garden of Beasts' to see the effectiveness of their strategy (or ask Justin Trudeau)." But it wasn't just liberals who were upset. Some pro-Trump commenters were also enraged at what they saw as attempts to influence the president-elect's agenda by a number of wealthy businessmen, some of whom have criticized him in the past . ALSO READ: The reckoning: Plenty of hurts coming for the people who didn't care about their country "Sam Altman, Jeff Bezos & Mark Zuckerberg are all donating $1,000,000 to Trump’s inaugural committee to try to 'get on the good foot' with the new administration," wrote right-wing podcaster Joey Mannarino. "Don’t be fooled. These men haven’t changed and $1,000,000 to them is sofa change. They’re bad actors. Period." "Tech titans like Zuckerberg, Bezos, and Sam Altman are throwing millions at Trump’s inaugural fund, probably hoping to avoid being hit with censorship crackdowns or personally blamed for the AI apocalypse (cough, Sam, cough)" wrote social media personality Mario Nawfal. "With Trump back in the driver’s seat, it seems Big Tech is hedging its bets by tossing cash at the problem. Translation: When in doubt, pay up and pray."OTTAWA — NDP Leader Jagmeet Singh says his party will not support a Liberal plan to give Canadians a GST holiday and $250 unless the government expands eligibility for the cheques, saying the rebate leaves out “the most vulnerable.” The Liberals announced a plan last week to cut the federal sales tax on a raft of items like toys and restaurant meals for two months, and to give $250 to more than 18.7 million Canadians in the spring. Speaking after a Canadian Labour Congress event in Ottawa, Singh says he’s open to passing the GST legislation, but the rebate needs to include seniors, students, people who are on disability benefits and those who were not able to work last year. Singh says he initially supported the idea because he thought the rebate cheques would go to anyone who earned under $150,000 last year. But the so-called working Canadians rebate will be sent to those who had an income, leaving out people Singh says need the help. The government intends to include the measures in the fall economic statement, which has not yet been introduced in the House of Commons. The proposed GST holiday would begin in mid-December, lasting for two months. It would remove the GST on prepared foods at grocery stores, some alcoholic drinks, children’s clothes and toys, Christmas trees, restaurant meals, books, video games and physical newspapers. A privilege debate has held up all government business in the House since late September, with the Conservatives pledging to continue a filibuster until the government hands over unredacted documents related to misspending at a green technology fund. The NDP said last week they had agreed to pause the privilege debate in order to pass the legislation to usher in the GST holiday. Singh said Tuesday that unless there are changes to the proposed legislation, he will not support pausing the debate. The Bloc Québécois is also pushing for the rebates to be sent to seniors and retirees.

By 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 .MIAMI — Damian Lillard scored 37 points and handed out 12 assists, and the Milwaukee Bucks wasted a 22-point second-half lead before beating the Miami Heat 106-103 in an NBA Cup game on Tuesday night. Brook Lopez scored 13 points and Bobby Portis had 11 for the Bucks, who have won five in a row and moved back to the .500 mark — 9-9 — for the first time since they were 1-1. The Bucks (3-0 in Cup play) also moved a half-game ahead of Detroit (2-0) in the East Group B standings. Jimmy Butler scored 23 points for Miami, which got 18 from Tyler Herro, 17 from Terry Rozier and 16 from Bam Adebayo. The Heat tied the game at 96-96 on a layup by Butler and got within one point on three later occasions, but never led. The Heat — who were outscored 60-30 from 3-point range — fell to 1-2 in Cup play. The Bucks played without Giannis Antetokounmpo, a late pregame scratch because of swelling in his left knee. Takeaways Bucks: Lillard finished with at least 35 points and 10 assists for the 30th time, pulling into a tie with Allen Iverson for ninth-most in NBA regular season history. Oscar Robertson has the record with 121. Miami Heat guard Tyler Herro (14) loses control of the ball as Milwaukee Bucks guard Damian Lillard, behind, defends during the first half of an Emirates NBA Cup basketball game, Tuesday, Nov. 26, 2024, in Miami. Credit: AP/Lynne Sladky Heat: Miami has faced deficits of 22 points or more in two of seven home games this season. It happened six times in 41 home games last season. Key moment AJ Green made back-to-back 3-pointers for Milwaukee in the final minutes, both of them coming immediately after Miami scored to get within one. His late 3s gave Milwaukee leads of 101-97 and 104-100. Key stat Lillard's 37 points were the second most by a Bucks player against Miami in regular-season play. Mo Williams scored 38 on Feb. 3, 2007. Up next Bucks: Host Washington on Saturday. Milwaukee Bucks forward Taurean Prince (12) drives to the basket during the first half of an Emirates NBA Cup basketball game against the Miami Heat, Tuesday, Nov. 26, 2024, in Miami. Credit: AP/Lynne Sladky Heat: Visit Charlotte on Wednesday.