bet365 100 bet credits
bet365 100 bet credits
bet365 100 bet credits
With a new year ahead and the holiday fanfare behind, this is a great time to set money goals, especially if you recently spent a lot on gifts and travel and want to get your finances in shape. You’d be in good company, too — according to a January 2024 survey from the Pew Research Center, of the 30% of Americans who made at least one New Year’s resolution, 61% had a goal that was money-related. Right now, you may be highly motivated to solve every single one of your money issues in the next few months, but daily life is guaranteed to get in the way. Your financial to-do list, once so full of promise, can eventually get stuffed in the back of a drawer while you manage more pressing matters. The vast majority of New Year’s resolutions go unfulfilled. So how can you improve your odds of success? It comes down to accepting that you won’t have the time or energy to complete every task to perfection. Creating a system where you can prioritize, plan ahead and hold yourself accountable can help. Many start by setting a goal to trim frivolous costs, which can certainly be helpful, but there are other ways to make a big difference. Taylor Schult — a certified financial planner and founder of Define Financial, an advisory firm in San Diego — recommends starting with a few overlooked financial tasks. Freezing your credit is a quick, easy way to guard yourself against identity theft. It’s free to do, and you can temporarily lift the freeze when you’re applying for a loan or credit card. Schulte also suggests looking into umbrella insurance , which offers additional coverage beyond what your auto, homeowners and other insurance policies provide. This coverage can spare you from massive out-of-pocket costs in the event you get sued. Basic estate planning, including creating a will, is another thing to put high on your list. Putting off this task can create a major headache for your loved ones if something happens to you unexpectedly. “I know it’s a pain point and it’s often kicked down the road,” Schulte says. Paying attention to your spending is always important, but don’t neglect taking steps to protect your money, yourself and your loved ones. So many money goals are born out of social pressure. You “should” want to save up to own a home, even if you’re happily renting. You “should” sacrifice short-term needs and wants to stash away as much as possible for retirement, even though it leaves you feeling deprived. But money goals should be tied to the things that matter most to you. If they aren’t, you’ll quickly lose interest. “If you don’t know what goals to choose, go back to your values and have them guide the goals you set,” says Eric Roberge, a certified financial planner and founder of Beyond Your Hammock, a financial advisory firm in Boston. You can combine goal-setting with a little planning, so expenses are less likely to creep up on you throughout the year. Think about what expected costs will be coming up in the next six to 12 months, like recurring bills, vacations, anticipated home or car repairs, and other expenses. This approach allows you to set money aside each month to put toward planned costs, as well as longer-term goals. Forgetting your goals can be far too easy, so to make something stick, write it down . It can be as simple as a handwritten list you keep on the fridge, or online calendar reminders that will nudge you every so often. For time-sensitive goals, set deadlines. One tactic is to make multiple lists based on what you need to complete within the next week, month or three months. As time passes and you check off items, you can update the list. Enlist others’ help, too. Weekly or monthly household money meetings are useful if you’re completing financial tasks as a group. Or share your goals with a trusted friend or family member who can serve as an accountability partner. Looping in loved ones can help keep you on track. “We don’t mind letting ourselves down,” Schulte says. “But we hate to let other people down.” It’s easy to get stuck in decision-making mode when trying to pick a high-yield savings account, credit card or possible investments, but eventually, you need to make a good-enough choice . Taking action now can have more of a positive effect on your life than waiting until you’ve painstakingly considered each option. Roberge says that though he’d prefer to optimize every financial decision, he doesn’t because if he did, he wouldn’t get things done. “Everything in moderation is one of the things that I live by,” he says. “Going to extremes in any one thing, at the detriment of other things that are important, doesn’t work long-term.” More From NerdWallet Sara Rathner writes for NerdWallet. Email: srathner@nerdwallet.com . Twitter: @sarakrathner. The article Got Money Goals for the New Year? Stay on Track With These Tips originally appeared on NerdWallet.DETROIT (AP) — Starting in September of 2027, all new passenger vehicles in the U.S. will have to sound a warning if rear-seat passengers don't buckle up. Read this article for free: Already have an account? To continue reading, please subscribe: * DETROIT (AP) — Starting in September of 2027, all new passenger vehicles in the U.S. will have to sound a warning if rear-seat passengers don't buckle up. Read unlimited articles for free today: Already have an account? DETROIT (AP) — Starting in September of 2027, all new passenger vehicles in the U.S. will have to sound a warning if rear-seat passengers don’t buckle up. The National Highway Traffic Safety Administration said Monday that it finalized the rule, which also requires enhanced warnings when front seat belts aren’t fastened. The agency estimates that the new rule will save 50 lives per year and prevent 500 injuries when fully in effect, according to a statement. The new rule will apply to passenger cars, trucks, buses except for school buses, and multipurpose vehicles weighing up to 10,000 pounds. Before the rule, seat belt warnings were required only for the driver’s seat. Under the new rule, outboard front-seat passengers also must get a warning if they don’t fasten their belts. Front-center seats will not get a warning because NHTSA found that it wouldn’t be cost effective. The agency said most vehicles already have warnings for the outboard passenger seats. The rule also lengthens the duration of audio and visual warnings for the driver’s seat. The front-seat rules are effective starting Sept. 1 of 2026. Rear passengers consistently use seat belts at a lower rate than front passengers, the agency says. In 2022, front belt use was just under 92%, while rear use dropped to about 82%. About half of automobile passengers who died in crashes two years ago weren’t wearing belts, according to NHTSA data. The seat belt rule is the second significant regulation to come from NHTSA in the past two months. In November the agency bolstered its five-star auto safety ratings to include driver assistance technologies and pedestrian protection. Winnipeg Jets Game Days On Winnipeg Jets game days, hockey writers Mike McIntyre and Ken Wiebe send news, notes and quotes from the morning skate, as well as injury updates and lineup decisions. Arrives a few hours prior to puck drop. Safety advocates want the Department of Transportation, which includes NHTSA, to finish several more rules before the end of the Biden administration, because President-elect Donald Trump has said he’s against new government regulations. Cathy Chase, president of Advocates for Highway and Auto Safety, urged the department to approve automatic emergency braking for heavy trucks and technology to prevent impaired driving. Advertisement Advertisement
Public funds used for Eoghan Murphy’s UK book launch at Irish Embassy
Duke of York ‘ceased all contact’ with spy-accused man after concerns raisedUS to Provide $225M for Bosch’s California Chip Factory
Herro was thrown to the ground by the Rockets’ Amen Thompson with 35 seconds left and the Heat leading 99-94. Players and coaches from both benches then came onto the court. Both players were thrown out along with Rockets guard Jalen Green, coach Ime Udoka and assistant coach Ben Sullivan. Terry Rozier was also ejected for Miami. Houston led 92-85 after Fred VanVleet’s layup with 8:10 to play, but the Rockets missed their next 11 shots, allowing Miami to tie the game when Herro found Haywood Highsmith for a 3-pointer with 4:47 to play. Herro’s jumper with 1:56 to play put the Heat on top for good. MAGIC 102, NETS 101 ORLANDO, Fla. (AP) — Cole Anthony drove for a layup with 0.2 seconds left to complete Orlando's 17-point fourth-quarter comeback in a win over Brooklyn. Cam Thomas missed a jumper from the corner at the final horn. Anthony scored 10, and Tristan da Silva scored 13 of his 21 points in the fourth quarter for Orlando, which was down 71-51 midway through the third quarter. Goga Bitadze added 19 points, 11 rebounds and five assists. The Magic’s comeback was their second in eight days after Orlando rallied from 25 points down to beat Miami 121-114 on Dec. 21. Thomas came off the bench with 25 points to lead the Nets in his first game since Nov. 25. Jalen Wilson added 16 points including two free throws with 6.2 seconds left. Thomas, Brooklyn’s leading scorer with 24.7 points per game, played 25 minutes after missing 13 games with a strained left hamstring. PACERS 123, CELTICS 114 BOSTON (AP) — Tyrese Haliburton scored 31 points and Indiana rebounded from a 37-point loss to Boston two nights earlier by winning the rematch. Andrew Nembhard, who returned after missing Friday’s game with tendinitis in his left knee, added 17 points, eight rebounds and eight assists for the Pacers. Pascal Siakam chipped in with 17 points and Bennedict Mathurin had 14. Jaylen Brown led Boston with 31 points and six assists. Jayson Tatum had 22 points, nine boards and six assists. Payton Pritchard added 21 points and Derrick White scored 17. The Celtics lost their sixth game at home already this season. Last season, they went 37-4 at TD Garden during the regular season and 9-2 in the playoffs en route to the NBA championship. HAWKS 136, RAPTORS 107 TORONTO (AP) — Trae Young had 34 points and 10 assists, De’Andre Hunter scored 22 points and Atlanta routed Toronto for their fourth straight win. Clint Capela had 11 points and 13 rebounds as the Hawks opened a six-game trip by handing the reeling Raptors their 10th consecutive loss. Scottie Barnes scored 19 points and RJ Barrett had 17, but the Raptors fell behind by more than 30 points and allowed more than 130 for the second straight game. Toronto gave up a franchise-worst 155 points in Thursday’s loss at Memphis. Young shot 7 for 13 from 3-point range, singlehandedly making as many shots from distance than the entire Raptors team, who combined to go 7 for 24. Toronto’s Bruce Brown made his season debut after sitting out the first 31 games recovering from right knee surgery. Brown soared for a one-handed dunk for his first points shortly after entering the game in the first quarter. He finished with 12 points in 19 minutes. THUNDER 130, GRIZZLIES 106 OKLAHOMA CITY (AP) — Shai Gilgeous-Alexander scored 35 points and Oklahoma City won their 11th straight game, beating short-handed Memphis in a matchup of Western Conference leaders that turned lopsided before halftime. Rookie Ajay Mitchell scored 17 points, Aaron Wiggins contributed 16 and Jalen Williams added 14 points and 10 rebounds for the Thunder (26-5), who opened a five-game lead over second-place Memphis. Gilgeous-Alexander made 14 of 19 shots to go along with seven assists, six rebounds and a team-high four blocks. He sat most of the fourth quarter. Oklahoma City blocked nine shots, including three by center Isaiah Hartenstein. The Thunder led 76-50 at halftime behind 23 points from Gilgeous-Alexander and 12 each from Mitchell and Kenrich Williams, who combined to go 5 for 7 on 3-point shots. Oklahoma City outscored the Grizzlies 42-19 in the second quarter to take control. Desmond Bane had 22 points and nine rebounds for Memphis (22-11), which played without star Ja Morant (shoulder) and Zach Edey, the team’s No. 9 overall draft pick, who was in concussion protocol. Jay Huff added 17 points but Jaren Jackson Jr., the team’s leading scorer at 21.9 points per game, managed 13 points on 3-of-17 shooting.DEIR AL-BALAH, Gaza City (AP) — For Gaza’s women, the hardships of life in the territory’s sprawling tent camps are compounded by the daily humiliation of never having privacy. Women struggle to dress modestly while crowded into tents with extended family members, including men, and with strangers only steps away in neighboring tents. Access to menstrual products is limited, so they cut up sheets or old clothes to use as pads. Makeshift toilets usually consist of only a hole in the sand surrounded by sheets dangling from a line, and these must be shared with dozens of other people. Alaa Hamami has dealt with the modesty issue by constantly wearing her prayer shawl, a black cloth that covers her head and upper body. “Our whole lives have become prayer clothes, even to the market we wear it,” said the young mother of three. “Dignity is gone.” Normally, she would wear the shawl only when performing her daily Muslim prayers. But with so many men around, she keeps it on all the time, even when sleeping — just in case an Israeli strike hits nearby in the night and she has to flee quickly, she said. Israel’s 14-month-old campaign in Gaza has driven more than 90% of its 2.3 million Palestinians from their homes. Hundreds of thousands of them are now living in squalid camps of tents packed close together over large areas. Sewage runs into the streets , and food and water are hard to obtain. Winter is setting in. Families often wear the same clothes for weeks because they left clothing and many other belongings behind as they fled. Everyone in the camps searches daily for food, clean water and firewood. Women feel constantly exposed. Gaza has always been a conservative society. Most women wear the hijab, or head scarf, in the presence of men who are not immediate family. Matters of women’s health — pregnancy, menstruation and contraception — tend not to be discussed publicly. “Before we had a roof. Here it does not exist,” said Hamami, whose prayer shawl is torn and smudged with ash from cooking fires. “Here our entire lives have become exposed to the public. There is no privacy for women.” Wafaa Nasrallah, a displaced mother of two, says life in the camps makes even the simplest needs difficult, like getting period pads, which she cannot afford. She tried using pieces of cloth and even diapers, which have also increased in price. For a bathroom, she has a hole in the ground, surrounded by blankets propped up by sticks. The U.N. says more than 690,000 women and girls in Gaza require menstrual hygiene products, as well as clean water and toilets. Aid workers have been unable to meet demand, with supplies piling up at crossings from Israel. Stocks of hygiene kits have run out, and prices are exorbitant. Many women have to choose between buying pads and buying food and water. Doaa Hellis, a mother of three living in a camp, said she has torn up her old clothes to use for menstrual pads. “Wherever we find fabric, we tear it up and use it.” A packet of pads costs 45 shekels ($12), “and there is not even five shekels in the whole tent,” she said. Anera, a rights group active in Gaza, says some women use birth control pills to halt their periods. Others have experienced disruptions in their cycles because of the stress and trauma of repeated displacement. The terrible conditions pose real risks to women’s health, said Amal Seyam, the director of the Women’s Affairs Center in Gaza, which provides supplies for women and surveys them about their experiences. She said some women have not changed clothes for 40 days. That and improvised cloth pads “will certainly create” skin diseases, diseases related to reproductive health and psychological conditions, she said. “Imagine what a woman in Gaza feels like, if she’s unable to control conditions related to hygiene and menstrual cycles,” Seyam said. Hellis remembered a time not so long ago, when being a woman felt more like a joy and less like a burden. “Women are now deprived of everything, no clothes, no bathroom. Their psychology is completely destroyed,” she said. Seyam said the center has tracked cases where girls have been married younger, before the age of 18, to escape the suffocating environment of their family’s tents. The war will “continue to cause a humanitarian disaster in every sense of the word. And women always pay the biggest price,” she said. Israel’s campaign in Gaza has killed more than 45,000 Palestinians, over half of them women and children, according to the territory’s Health Ministry. Its count does not differentiate between combatants and civilians. Israel launched its assault in retaliation for the Oct. 7, 2023, attack by Hamas on southern Israel, in which militants killed some 1,200 people and abducted around 250 others. With large swaths of Gaza’s cities and towns leveled, women wrestle with reduced lives in their tents. Hamami can walk the length of her small tent in a few strides. She shares it with 13 other people from her extended family. During the war, she gave birth to a son, Ahmed, who is now 8 months old. Between caring for him and her two other children, washing her family’s laundry, cooking and waiting in line for water, she says there’s no time to care for herself. She has a few objects that remind her of what her life once was, including a powder compact she brought with her when she fled her home in the Shati camp of Gaza City. The makeup is now caked and crumbling. She managed to keep hold of a small mirror through four different displacements over the past year. It’s broken into two shards that she holds together every so often to catch a glimpse of her reflection. “Previously, I had a wardrobe that contained everything I could wish for,” she said. “We used to go out for a walk every day, go to wedding parties, go to parks, to malls, to buy everything we wanted." Women “lost their being and everything in this war," she said. "Women used to take care of themselves before the war. Now everything is destroyed.” Associated Press writer Fatma Khaled in Cairo contributed to this report.Nintendo Switch 2: 6 Biggest Rumored Changes That Could Redefine Handheld Gaming
Elon Musk accused of censoring conservatives on X who disagree with him about immigration
'Koi Jaldi Nahi Hai' Stump Mic Captures Rishabh Pant's Words Yashasvi Jaiswal During IND vs AUS Boxing Day Test 2024 (Watch Video)
