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enjoyed a glamorous night out with her 20-year-old daughter, Phoebe, and fans can't get over how alike they look. The mother-daughter duo dazzled as they posed for photos, showing off their chic outfits and radiant smiles. Tess, 55, went all out for the evening, donning a halterneck top adorned with sparkling gold sequins. She paired the festive top with classic black trousers, hoop earrings, and her signature blonde waves styled to perfection. Phoebe complemented her mum's look in a sophisticated black ballgown featuring a crossover design with stylish cut-out detailing. Like Tess, she wore her blonde locks in soft waves and opted for smokey eye makeup paired with a nude lip. The 20-year-old shared the adorable mirror selfie on her social media, captioning it: "All smiles always with mama." Fans were quick to flood the comments section with compliments, with one writing: "Stunners," while another added: "You look so alike!" This festive outing is just one example of . The family, which includes and their younger daughter Amber, often share glimpses of their life together in their stunning six-bedroom home. Vernon recently opened up about their Christmas traditions, revealing how much they enjoy spending time as a family. He told The Sun: "We’re all actually really looking forward to sitting around and playing games this Christmas." You may also like Vernon shared how technology plays a big role in their holiday celebrations. “One of the games we play on the Xbox is called Drawful, and it’s a modern take on Pictionary,” he said. The proud dad also highlighted the importance of balancing digital activities with outdoor pursuits. “Phoebe has taken up golf, which is a joy for me,” he added. “We really encourage the kids to get outside and stay active.” Earlier this month, Tess was overcome with emotion during the semi-final. After professional dancer Dianne Buswell made a heartfelt speech about her celebrity partner Chris McCausland, Tess was visibly moved. Dianne praised Chris, who lost his sight at 22, for embracing the spirit of the competition despite the challenges he faced. She said: “I have taught Chris all this time without a single visual cue. He’s never been able to watch a video back or see his competitors, yet he has captured the spirit of the show.” As the camera cut to Tess, she was seen fighting back tears, a touching reminder of how much Strictly means to those involved. Tess and Phoebe’s festive outing was a celebration of family, fashion, and the holiday spirit. Their dazzling looks and close bond left fans in awe, with many commenting on their striking resemblance. As the family prepares to celebrate Christmas in their beautiful home, one thing is clear: the Dalys know how to balance glamour with heartfelt traditions. Whether it’s a glittering night out or cosy games at home, their bond shines through.10 tips from experts to help you change your relationship with money in 2025 NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Cora Lewis And Adriana Morga, The Associated Press Dec 27, 2024 8:28 AM Dec 27, 2024 8:50 AM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message FILE - The 2025 New Year's Eve numerals are displayed in Times Square, on Dec. 18, 2024, in New York. (AP Photo/Julia Demaree Nikhinson, File) NEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Change your relationship with money Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. Know your “why” When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. Budget, budget, budget “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. Pay down outstanding debt “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. Take control of your credit card interest rate “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. Set realistic, practical goals When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. Don't ‘flamingo' or bury your head in the sand “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automate savings, where possible Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Slow down Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Focus on financial wellness Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism. Cora Lewis And Adriana Morga, The Associated Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message More Automotive 4 die on Christmas Day in New Hampshire home from suspected carbon monoxide poisoning Dec 26, 2024 1:13 PM 4 die on Christmas Day in New Hampshire home from suspected carbon monoxide poisoning Dec 26, 2024 7:42 AM Stock market today: Stocks edge lower after a holiday pause for US markets Dec 26, 2024 6:41 AM Featured FlyerNEW YORK (AP) — Same iconic statue, very different race. With two-way star Travis Hunter of Colorado and Boise State running back Ashton Jeanty leading the field, these certainly aren't your typical Heisman Trophy contenders. Sure, veteran quarterbacks Dillon Gabriel from top-ranked Oregon and Cam Ward of No. 15 Miami are finalists for college football's most prestigious award as well, but the 90th annual ceremony coming up Saturday night at Lincoln Center in New York City offers a fresh flavor this year. To start with, none of the four are from the powerhouse Southeastern Conference, which has produced four of the past five Heisman winners — two each from Alabama and LSU. Jeanty, who played his home games for a Group of Five team on that peculiar blue turf in Idaho more than 2,100 miles from Manhattan, is the first running back even invited to the Heisman party since 2017. After leading the country with 2,497 yards rushing and 29 touchdowns, he joined quarterback Kellen Moore (2010) as the only Boise State players to be named a finalist. “The running back position has been overlooked for a while now," said Jeanty, who plans to enter the 2025 NFL draft. "There's been a lot of great running backs before me that should have been here in New York, so to kind of carry on the legacy of the running back position I think is great. ... I feel as if I'm representing the whole position.” With the votes already in, all four finalists spent Friday conducting interviews and sightseeing in the Big Apple. They were given custom, commemorative watches to mark their achievement. “I'm not a watch guy, but I like it,” said Hunter, flashing a smile. The players also took photos beneath the massive billboards in Times Square and later posed with the famous Heisman Trophy, handed out since 1935 to the nation's most outstanding performer. Hunter, the heavy favorite, made sure not to touch it yet. A dominant player on both offense and defense who rarely comes off the field, the wide receiver/cornerback is a throwback to generations gone by and the first full-time, true two-way star in decades. On offense, he had 92 catches for 1,152 yards and 14 touchdowns this season to help the 20th-ranked Buffaloes (9-3) earn their first bowl bid in four years. On defense, he made four interceptions, broke up 11 passes and forced a critical fumble that secured an overtime victory against Baylor. Hunter played 688 defensive snaps and 672 more on offense — the only Power Four conference player with 30-plus snaps on both sides of the ball, according to Colorado research. Call him college football’s answer to baseball unicorn Shohei Ohtani. “I think I laid the ground for more people to come in and go two ways,” Hunter said. “It starts with your mindset. If you believe you can do it, then you'll be able to do it. And also, I do a lot of treatment. I keep up with my body. I get a lot of recovery.” Hunter is Colorado's first Heisman finalist in 30 years. The junior from Suwanee, Georgia, followed flashy coach Deion Sanders from Jackson State, an HBCU that plays in the lower level FCS, to the Rocky Mountains and has already racked up a staggering combination of accolades this week, including The Associated Press player of the year. Hunter also won the Walter Camp Award as national player of the year, along with the Chuck Bednarik Award as the top defensive player and the Biletnikoff Award for best wide receiver. “It just goes to show that I did what I had to do,” Hunter said. Next, he'd like to polish off his impressive hardware collection by becoming the second Heisman Trophy recipient in Buffaloes history, after late running back Rashaan Salaam in 1994. “I worked so hard for this moment, so securing the Heisman definitely would set my legacy in college football,” Hunter said. “Being here now is like a dream come true.” Jeanty carried No. 8 Boise State (12-1) to a Mountain West Conference championship that landed the Broncos the third seed in this year's College Football Playoff. They have a first-round bye before facing the SMU-Penn State winner in the Fiesta Bowl quarterfinal on New Year’s Eve. The 5-foot-9, 215-pound junior from Jacksonville, Florida, won the Maxwell Award as college football’s top player and the Doak Walker Award for best running back. Jeanty has five touchdown runs of at least 70 yards and has rushed for the fourth-most yards in a season in FBS history — topping the total of 115 teams this year. He needs 132 yards to break the FBS record set by Heisman Trophy winner Barry Sanders at Oklahoma State in 1988. In a pass-happy era, however, Jeanty is trying to become the first running back to win the Heisman Trophy since Derrick Henry for Alabama nine years ago. In fact, quarterbacks have snagged the prize all but four times this century. Gabriel, an Oklahoma transfer, led Oregon (13-0) to a Big Ten title in its first season in the league and the No. 1 seed in the College Football Playoff. The steady senior from Hawaii passed for 3,558 yards and 28 touchdowns with six interceptions. His 73.2% completion rate ranks second in the nation, and he's attempting to join quarterback Marcus Mariota (2014) as Ducks players to win the Heisman Trophy. “I think all the memories start to roll back in your mind,” Gabriel said. Ward threw for 4,123 yards and led the nation with a school-record 36 touchdown passes for the high-scoring Hurricanes (10-2) after transferring from Washington State. The senior from West Columbia, Texas, won the Davey O’Brien National Quarterback of the Year award and is looking to join QBs Vinny Testaverde (1986) and Gino Torretta (1992) as Miami players to go home with the Heisman. “I just think there's a recklessness that you have to play with at the quarterback position,” Ward said. Get poll alerts and updates on the AP Top 25 throughout the season. Sign up here . AP college football: https://apnews.com/hub/ap-top-25-college-football-poll and https://apnews.com/hub/college-football123 jilibet 。

Maruti Suzuki India Limited (MSIL), the country's largest passenger vehicle manufacturer, is poised to transform electric mobility in India. The company will showcase its production ready eBorn SUV, the e VITARA at the Bharat Mobility Global Expo 2025. The e VITARA is a global model manufactured in India for the world, recently unveiled by Suzuki Motor Corporation at Milan, Italy. Speaking on the announcement, Partho Banerjee, Senior Executive Officer, Marketing & Sales, Maruti Suzuki India Limited, said, “The e VITARA is a testament of our unwavering commitment to sustainable mobility and technological innovation. With decades of automotive expertise, we have combined advanced electric technology with a customer-first approach to deliver something truly transformative. At Maruti Suzuki, we have always believed that to promote EV adoption, we need to create a holistic ecosystem that simplifies customers' battery electric vehicle ownership journey.” He further added, “A critical barrier to the adoption of EVs is the lack of accessible charging. To tackle this issue, we are committed to introduce a reliable and comprehensive EV ecosystem alongside the e VITARA. This will include home charging solutions as well as a nationwide network of fast chargers available at Maruti Suzuki dealerships and service touchpoints. Our goal is to make EVs accessible, convenient, and appealing to a broader set of customers, and this is exactly what we have set out to achieve with the e VITARA.” Inspired by the concept of an "Emotional Versatile Cruiser," e VITARA seamlessly blends advanced technology with a contemporary design. Strategically positioned to cater to the evolving market requirements and customer needs, the e VITARA will introduce new-age EV performance into the Indian automotive market.

Deputy CM Pawan Kalyan Launches Anti-Cannabis Campaign in Tribal RegionHumans have an innate desire to name things, but to be honest, we’re not always that good at it. Take climate tech: it’s a category of companies and technologies that, broadly speaking, seek to minimize or reverse our impact on the climate while also helping us adapt to its increasing changes. As terms go, climate tech is actually not bad since it defines the sector’s focus in two words. It’s certainly better than its predecessor, clean tech. It’s what startups that today fall under the climate tech banner would have likely called themselves just over a decade ago. It wasn’t a very good descriptor, though. To the uninitiated, clean tech just as easily could have meant robot vacuums or novel household supplies. Climate tech is much easier to grasp. But climate tech is about a decade old, and humans also like to feel like they’re at the vanguard of something new. That, plus climate tech’s scope has grown to the point where it’s getting a bit unwieldy. Some have begun to explore alternatives over the past year or so. Planetary health emerged as an early alternative, first coined in the medical journal The Lancet in 2014. Some investors embraced it , in part to address the problem of scope creep. Plenty of companies don’t seek to address carbon pollution, but are still focused on technologies that would address humanity’s impact on the planet. It has its appeal, but most people have stuck with climate tech. Then Donald Trump was elected for a second time. “Climate” hasn’t exactly transformed from a buzzword into a dirty word, but people are actively talking about distancing themselves from the term. You can try to fight it if you want, but the migration had actually begun before the election. In five years, we’ll be calling climate tech something else entirely. What’ll it be? People have started throwing stuff at the wall to see what sticks. Planetary health is an obvious alternative; it’s descriptive and has an early lead. The American dynamism platform contains a clean energy plank, but that term is associated with a single VC firm — a16z, whose partner Katherine Boyle coined it and runs a practice under that name — and there’s a lot of other stuff packed into it, including defense, public safety, education, housing, and more. Frontier tech is another, though if you thought climate tech was too broad, you definitely won’t like how much frontier tech encompasses. Critical infrastructure? That overlaps with climate tech, but the Venn diagram isn’t a perfect circle. Deep tech is another that wraps around climate tech, but involves a lot more like AI, robotics, and quantum computing. The most recent proposal was growth tech . It’s not my intention to throw stones, but I just can’t see it catching on. It’s too generic — aren’t all venture-backed startups seeking growth? — and it doesn’t capture the gist of what these startups are pushing for. Is it likely that climate tech will unleash a wave of growth and industrial innovation? You don’t have to look much further than China to understand that. But I think there are better terms. Since I’m not one to critique without offering a solution, here’s mine: If we really need a term, I’m going to suggest resilience tech. It’s not perfect, and I’ll probably think of something better in the future. But for now, I think it’ll do. It captures the gist of what climate tech is driving at: to make both the world and humanity more resilient.

NEW YORK (AP) — Stocks fell in morning trading Friday as Wall Street closes out a holiday-shortened week. The S&P 500 fell 1.4%, with more than 80% of stocks in the benchmark index losing ground. Still, the index is managing to hold onto a modest gain for the week. The Dow Jones Industrial Average fell 402 points, or 0.9%, to 42,945 as of 10:41 a.m. Eastern time. The Nasdaq composite fell 2%. Both the Dow and the Nasdaq are also holding on to weekly gains. Technology stocks were the biggest drag on the market Friday. Semiconductor giant Nvidia slumped 3.2%. Its enormous valuation gives it an outsize influence on indexes. Other Big Tech stocks losing ground included Microsoft, with a 2.2% decline. A wide range of retailers also fell. Amazon fell 2.2% and Best Buy slipped 1.9%. The sector is being closely watched for clues on how it performed during the holiday shopping season. Energy was the only sector within the S&P 500 rising. It gained 0.5% as crude oil prices rose 0.8%. Investors don't have much in the way of corporate or economic updates to review as the market moves closer to another standout annual finish. The S&P 500 is on track for a gain of around 25% in 2024. That would mark a second consecutive yearly gain of more than 20%, the first time that has happened since 1997-1998. The gains have been driven partly by upbeat economic data showing that consumers continued spending and the labor market remained strong. Inflation, while still high, has also been steadily easing. A report on Friday showed that sales and inventory estimates for the wholesales trade industry fell 0.2% in November, following a slight gain in October. That weaker-than-expected report follows an update on the labor market Thursday that showed unemployment benefits held steady last week. In Asia, Japan’s benchmark index surged as the yen remained weak against the dollar. Stocks in South Korea fell after the main opposition party voted to impeach the country’s acting leader. Markets in Europe gained ground. Bond yields held relatively steady. The yield on the 10-year Treasury remained at 4.59% from late Thursday. The yield on the two-year Treasury slipped to 4.32% from 4.33% late Thursday. Wall Street will have more economic updates to look forward to next week, including reports on pending home sales and home prices. There will also be reports on U.S. construction spending and snapshots of manufacturing activity.

Former House Speaker Nancy Pelosi injured during trip abroad

NEW YORK (AP) — Stocks fell in morning trading Friday as Wall Street closes out a holiday-shortened week. The S&P 500 fell 1.4%, with more than 80% of stocks in the benchmark index losing ground. Still, the index is managing to hold onto a modest gain for the week. The Dow Jones Industrial Average fell 402 points, or 0.9%, to 42,945 as of 10:41 a.m. Eastern time. The Nasdaq composite fell 2%. Both the Dow and the Nasdaq are also holding on to weekly gains. Technology stocks were the biggest drag on the market Friday. Semiconductor giant Nvidia slumped 3.2%. Its enormous valuation gives it an outsize influence on indexes. Other Big Tech stocks losing ground included Microsoft, with a 2.2% decline. A wide range of retailers also fell. Amazon fell 2.2% and Best Buy slipped 1.9%. The sector is being closely watched for clues on how it performed during the holiday shopping season. Energy was the only sector within the S&P 500 rising. It gained 0.5% as crude oil prices rose 0.8%. Investors don't have much in the way of corporate or economic updates to review as the market moves closer to another standout annual finish. The S&P 500 is on track for a gain of around 25% in 2024. That would mark a second consecutive yearly gain of more than 20%, the first time that has happened since 1997-1998. The gains have been driven partly by upbeat economic data showing that consumers continued spending and the labor market remained strong. Inflation, while still high, has also been steadily easing. A report on Friday showed that sales and inventory estimates for the wholesales trade industry fell 0.2% in November, following a slight gain in October. That weaker-than-expected report follows an update on the labor market Thursday that showed unemployment benefits held steady last week. In Asia, Japan’s benchmark index surged as the yen remained weak against the dollar. Stocks in South Korea fell after the main opposition party voted to impeach the country’s acting leader. Markets in Europe gained ground. Bond yields held relatively steady. The yield on the 10-year Treasury remained at 4.59% from late Thursday. The yield on the two-year Treasury slipped to 4.32% from 4.33% late Thursday. Wall Street will have more economic updates to look forward to next week, including reports on pending home sales and home prices. There will also be reports on U.S. construction spending and snapshots of manufacturing activity.

If ChatGPT produces AI-generated code for your app, who does it really belong to?

Catch up - China revises up 2023 GDP by 2.7% from previous estimate