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Retirement: 4 ways to maximize your 401(k) contributions before the year endsEAST RUTHERFORD, N.J. (AP) — Snapping a franchise-record 10-game losing streak, winning for the first time at home this season and ending the Indianapolis Colts' slim playoff hopes Sunday didn't salvage the season for the New York Giants. The main positive in the 45-33 win that Drew Lock led with four touchdown passes and a late TD run was the Giants (3-13) got to walk off the field with smiles for the first time in months after a season of misery that will could lead to major changes. Another factor from the win: New York no longer has control of the No. 1 overall pick in the draft. Giants coach Brian Daboll, who has had two straight losing seasons following a playoff berth in 2022 in his first year, said that he was happy the team got a chance to celebrate after losing eight straight at MetLife Stadium. “Those guys put a lot into it. They come out, they grind every day. They have good attitudes,” Daboll said. “It’s never easy when you when are losing. But I’m proud of the character and all the people in the building, and I’m mostly happy for them.” Lock, who threw two pick-6s in the loss to Atlanta a week ago, sandwiched touchdown passes of 31 and 59 yards to Malik Nabers around TD passes of 32 yards to Darius Slayton and 5 yards to Wan'Dale Robinson in leading the Giants (3-13) to their first win since beating Seattle on Oct. 6. “I've won a lot in my life,” Slayton said. "I wouldn’t say I ever forget the feeling of winning, but, you know, obviously it’s nice to get that feeling back today.” Ihmir Smith-Marsette had a 100-yard return on the second-half kickoff on a day the league's worst offense set a season high for points. Jonathan Taylor scored on runs of 3 and 26 yards for Indianapolis (7-9), while Joe Flacco, subbing for the injured Anthony Richardson, threw touchdown passes of 13 yards to Alec Pierce and 7 yards to Michael Pittman, the last bringing the Colts within 35-33 with 6:38 left in the fourth quarter. Lock, who finished 17 of 23 for 309 yards, clinched the game by leading a nine-play, 70-yard drive that he capped with a 5-yard run. “It’s kudos to him,” said Nabers, who now has 104 catches for 1,140 yards and six touchdowns. “He looked over the film, found some things that he could get better on and did all that through the week, and it showed how good he can be.” The 45 points were the most for New York since putting up 49 in a 52-49 loss to the Saints in 2015. It’s the Giants most in a win since a 45-14 rout against Washington in 2014 and most at home since a 52-27 win against the Saints in 2012. The No. 6 overall pick in the draft, Nabers finished with seven catches for a career-high 171 yards. “That’s why we drafted him, where we drafted him,” Daboll said. “I’ve been asked about it since training camp and I think the response has been, ‘He’s a pretty good football player.’” Flacco was 26 of 38 for 330 yards with two interceptions, the second by rookie Dru Phillips shortly after Lock's TD run. Taylor, who rushed for 218 yards in a win over Tennessee last week, finished with 125 yards on 32 carries. Pierce had six catches for 122 yards. The Colts came into the game needing to win their final two games and also get help to make the playoffs. “We had something to play for today and obviously we didn’t get it done," Flacco said. The Colts haven't made the playoffs since posting an 11-5 record in 2020. “It's hard to explain,” said Colts coach Shane Steichen, who led the team to a 9-8 record in his first season in 2023. “We had to play a complete game. We haven’t done it all year. We have to be on the same page, and to go out there like that is obviously not good enough.” Nabers and running back Tyrone Tracy become the third pair of rookies to have more than 1,000 yards from scrimmage in the same season. The previous duo was running back Reggie Bush and receiver Marques Colston of the Saints in 2006. Colts: Richardson was inactive with foot and back injuries sustained against Tennessee. Giants: DL Armon Watts (knee) was ruled out in the first half. Colts: Finish the regular season by hosting Jacksonville. Giants: At Philadelphia to face Saquon Barkley and the Eagles. AP NFL coverage: https://apnews.com/hub/NFL
Five new driving laws you need to know in 2025 – including car tax changes Several drivers will be affected by new law changes (stock) (Image: Getty Images ) UK motorists are set to face a set of new rules and regulations from 2025, including major changes to car tax, Vehicle Excise Duty (VED), and others. Fees are due for a significant overhaul from spring, affecting drivers across the country. VED, also known as road tax, car tax or the road fund licence, is a tax that drivers must pay to legally drive or park a vehicle on public roads. The Office for Budget Responsibility predicts that VED will generate £9.4 billion by 2027/28, up from £7.3 billion collected for the 2022-23 tax year, or £5.8 billion in the year before the VED car tax changes in 2017. However, this isn't the only change drivers should prepare for as we approach the new year. New legislation will bring about a range of changes for drivers, some of which could be expensive for car owners who have previously been exempt from certain laws. Drivers will be faced with several new laws in 2025 (stock) (Image: Getty Images ) 1. Green vehicle discount will be cancelled The cleaner vehicle discount will cease on 25 December 2025. This means that if you renew your discount after 24 December 2024, you will receive less than 12 months of discount and the £10 renewal fee will still apply. If you can provide TFL with all your cleaner vehicle discount documents you can apply online now. You can... Claudia Trotman , James Rodger , Steve BagnallNo. 24 Illinois pushes guards; next up is winless Chicago StatePatoranking, Iyanya, Others Light Up Bayelsa At Okpoama Beach Carnival
AP Business SummaryBrief at 1:04 p.m. ESTMINNEAPOLIS (AP) — Minnesota Vikings coach Kevin O'Connell's stirring locker room tribute to his team last week at Seattle was respectfully interrupted by seven-year veteran right tackle Brian O'Neill, who flipped the script on the game ball awards by tossing one to the boss in honor of his second 13-win season in three years. The Vikings have obliterated even the most optimistic of external predictions for this transitional season, taking a sparkling 13-2 record into their matchup against the Green Bay Packers that has made O'Connell the current favorite for the NFL Coach of the Year award. Javascript is required for you to be able to read premium content. Please enable it in your browser settings.
Stocks wavered on Wall Street in afternoon trading Thursday, as gains in tech companies and retailers helped temper losses elsewhere in the market. The S&P 500 was down less than 0.1% after drifting between small gains and losses. The benchmark index is coming off a three-day winning streak. The Dow Jones Industrial Average was up 6 points, or less than 0.1%, as of 1:52 p.m. Eastern time. The Nasdaq composite was down less than 0.1%. Trading volume was lighter than usual as U.S. markets reopened after the Christmas holiday. Chip company Broadcom rose 2.9%, Micron Technology was up 1% and Adobe gained 0.8%. While tech stocks overall were in the green, some heavyweights were a drag on the market. Semiconductor giant Nvidia, whose enormous valuation gives it an outsize influence on indexes, slipped 0.1%. Meta Platforms fell 0.7%, Amazon was down 0.6%, and Netflix gave up 1.1%. Tesla was among the biggest decliners in the S&P 500, down 1.9%. Health care stocks helped lift the market. CVS Health rose 1.7% and Walgreens Boots Alliance rose 3% for the biggest gain among S&P 500 stocks. Several retailers also gained ground. Target rose 2.8%, Best Buy was up 2.2% and Dollar Tree gained 2.7%. Retailers are hoping for a solid sales this holiday season, and the day after Christmas traditionally ranks among the top 10 biggest shopping days of the year, as consumers go online or rush to stores to cash in gift cards and raid bargain bins. U.S.-listed shares in Honda and Nissan rose 4% and 16%, respectively. The Japanese automakers announced earlier this week that the two companies are in talks to combine. Traders got a labor market update. U.S. applications for unemployment benefits held steady last week , though continuing claims rose to the highest level in three years, the Labor Department reported. Treasury yields turned mostly lower in the bond market. The yield on the 10-year Treasury fell to 4.57% from 4.59% late Tuesday. Major European markets were closed, as well as Hong Kong, Australia, New Zealand and Indonesia. Trading was expected to be subdued this week with a thin slate of economic data on the calendar. Still, U.S. markets have historically gotten a boost at year’s end despite lower trading volumes. The last five trading days of each year, plus the first two in the new year, have brought an average gain of 1.3% since 1950. So far this month, the U.S. stock market has lost some of its gains since President-elect Donald Trump’s win on Election Day, which raised hopes for faster economic growth and more lax regulations that would boost corporate profits. Worries have risen that Trump’s preference for tariffs and other policies could lead to higher inflation , a bigger U.S. government debt and difficulties for global trade. Even so, the U.S. market remains on pace to deliver strong returns for 2024. The benchmark S&P 500 is up roughly 26% so far this year and remains near its most recent all-time high it set earlier this month — its latest of 57 record highs this year. Wall Street has several economic reports to look forward to next week, including updates on pending home sales and home prices, a report on U.S. construction spending and snapshots of manufacturing activity. AP Business Writers Elaine Kurtenbach and Matt Ott contributed.NEW DELHI (AP) — India’s former Prime Minister Manmohan Singh, widely regarded as the architect of India’s economic reform program and a landmark nuclear deal with the United States, has died. He was 92. Singh was admitted to New Delhi’s All India Institute of Medical Sciences late Thursday after his health deteriorated due to a “sudden loss of consciousness at home,” the hospital said in a statement. “Resuscitative measures were started immediately at home. He was brought to the Medical Emergency” at 8:06 p.m., the hospital said, but “despite all efforts, he could not be revived and was declared dead at 9:51 p.m.” Singh was being treated for “age-related medical conditions,” the statement said. A mild-mannered technocrat, Singh became one of India’s longest-serving prime ministers for 10 years and leader of the Congress Party in the Parliament's Upper House, earning a reputation as a man of great personal integrity. He was chosen to fill the role in 2004 by Sonia Gandhi, the widow of assassinated Prime Minister Rajiv Gandhi . But his sterling image was tainted by allegations of corruption against his ministers. Singh was reelected in 2009, but his second term as prime minister was clouded by financial scandals and corruption charges over the organization of the 2010 Commonwealth Games. This led to the Congress Party’s crushing defeat in the 2014 national election by the Hindu nationalist Bharatiya Janata Party under the leadership of Narendra Modi . Singh adopted a low profile after relinquishing the post of prime minister. Prime Minister Modi, who succeeded Singh in 2014, called him one of India’s “most distinguished leaders” who rose from humble origins and left “a strong imprint on our economic policy over the years.” “As our Prime Minister, he made extensive efforts to improve people’s lives,” Modi said in a post on the social platform X. He called Singh’s interventions in Parliament as a lawmaker “insightful” and said “his wisdom and humility were always visible.” Rahul Gandhi, from the same party as Singh and the opposition leader in the lower house of the Indian Parliament, said Singh’s “deep understanding of economics inspired the nation” and that he “led India with immense wisdom and integrity.” “I have lost a mentor and guide. Millions of us who admired him will remember him with the utmost pride,” Gandhi wrote on X. The United States offered its condolences, with Secretary of State Antony Blinken saying that Singh was “one of the greatest champions of the U.S.-India strategic partnership.” “We mourn Dr. Singh’s passing and will always remember his dedication to bringing the United States and India closer together,” Blinken said. Born on Sept. 26, 1932, in a village in the Punjab province of undivided India, Singh’s brilliant academic career took him to Cambridge University in Britain, where he earned a degree in economics in 1957. He then got his doctorate in economics from Nuffield College at Oxford University in 1962. Singh taught at Panjab University and the prestigious Delhi School of Economics before joining the Indian government in 1971 as economic advisor in the Commerce Ministry. In 1982, he became chief economic adviser to the Finance Ministry. He also served as deputy chair of the Planning Commission and governor of the Reserve Bank of India. As finance minister, Singh in 1991 instituted reforms that opened up the economy and moved India away from a socialist-patterned economy and toward a capitalist model in the face of a huge balance of payments deficit, skirting a potential economic crisis. His accolades include the 1987 Padma Vibhushan Award, India’s second-highest civilian honor; the Jawaharlal Nehru Birth Centenary Award of the Indian Science Congress in 1995; and the Asia Money Award for Finance Minister of the Year in 1993 and 1994. Singh was a member of India’s Upper House of Parliament and was leader of the opposition from 1998 to 2004 before he was named prime minister. He was the first Sikh to hold the country’s top post and made a public apology in Parliament for the 1984 Sikh Massacre in which some 3,000 Sikhs were killed after then-Prime Minister Indira Gandhi was assassinated by Sikh bodyguards. Under Singh, India adopted a Right to Information Act in 2005 to promote accountability and transparency from government officials and bureaucrats. He was also instrumental in implementing a welfare scheme that guaranteed at least 100 paid workdays for Indian rural citizens. The coalition government he headed for a decade brought together politicians and parties with differing ideologies that were rivals in the country’s various states. In a move hailed as one of his biggest achievements apart from economic reforms, Singh ended India’s nuclear isolation by signing a deal with the U.S. that gave India access to American nuclear technology. But the deal hit his government adversely, with Communist allies withdrawing support and criticism of the agreement growing within India in 2008 when it was finalized. Singh adopted a pragmatic foreign policy approach, pursuing a peace process with nuclear rival and neighbor Pakistan. But his efforts suffered a major setback after Pakistani militants carried out a massive gun and bomb attack in Mumbai in November 2008. He also tried to end the border dispute with China, brokering a deal to reopen the Nathu La pass into Tibet, which had been closed for more than 40 years. His 1965 book, “India’s Export Trends and Prospects for Self-Sustained Growth,” dealt with India’s inward-oriented trade policy. Singh is survived by his wife Gursharan Kaur and three daughters. Associated Press writer Sheikh Saaliq in New Delhi contributed to this report.AFC standouts meet when Herbert, Chargers host Jackson's Ravens on Monday night
MINNEAPOLIS (AP) — Minnesota Vikings coach Kevin O'Connell's stirring locker room tribute to his team last week at Seattle was respectfully interrupted by seven-year veteran right tackle Brian O'Neill, who flipped the script on the game ball awards by tossing one to the boss in honor of his second 13-win season in three years. The Vikings have obliterated even the most optimistic of external predictions for this transitional season, taking a sparkling 13-2 record into their matchup against the Green Bay Packers that has made O'Connell the current favorite for the NFL Coach of the Year award. “It’s a credit to who he is as a person, as a coach and as a leader,” tight end T.J. Hockenson said. “We’re very fortunate to be able to play under him.” The Vikings can not only win the NFC North for a second time in three seasons, but get the No. 1 seed with a first-round bye and home-field advantage throughout the NFC tournament if they beat both the Packers at home on Sunday and the Detroit Lions on the road next week. Don't expect the Vikings to ponder that possibility, though, as tantalizing as it would be. “It can be a very tired cliché to talk about going 1-0 until you’ve systematically built your entire operation daily of just trying to do that every single day,” O'Connell said after Minnesota's eighth consecutive victory . “These guys, it’s not a cliché at that point. It becomes part of your football foundation and the makeup of your locker room, of your leadership, your coaching staff.” The Packers could be forgiven for being less than impressed by the impact O'Connell has made, for a reason beyond simply him coaching their biggest rival. Green Bay enjoyed even better out-of-the-gate success under coach Matt LaFleur, who was hired in 2019 and won 13 regular-season games in each of his first three years. Though they're in third place at 11-4, two games behind the Lions and the Vikings, the Packers too have secured a place in the playoffs even if they can't win their loaded division. They'll likely be the visiting team as long as they're alive this postseason. "I think that just all of us going against one another, it’s forced you to be at your best every week," LaFleur said. “You can’t afford a slip-up, just to keep up with everybody.” The road team has won each of the past three matchups in this series. The Packers are 0-4 against the teams with the top three records in the NFC: Detroit, Minnesota and Philadelphia. “We’ve got to be able to go win these games against the really good teams in the league and set ourselves up for the situation we’ll be in for the playoffs,” quarterback Jordan Love said. The running men Aaron Jones rushed for 93 yards on 22 carries for Minnesota in a 31-29 victory at Green Bay on Sept. 29. Released by the Packers for salary cap relief in favor of their premier free agency addition, the three-plus-years-younger Josh Jacobs, Jones just hit the 1,000-yard mark last week and can't hide from the significance of facing his former team. "They respect you because they were on your team or they've seen the work that you put in, but you want to gain their respect in another way from playing against them, like, ‘Man, this dude is really as good as I thought he was,’" Jones said. Jacobs, for his part, is fourth in the NFL entering Week 17 with 1,216 rushing yards for the most by a Packers player in a season since Ryan Grant (1,253) in 2009. Minimizing their mistakes The earlier matchup this season featured seven combined turnovers, four by the Packers and three by the Vikings. Both of these teams are among the NFL's best in the turnover department, with Green Bay at a plus-12 margin and Minnesota at a plus-10. The Packers have allowed a total of three sacks and have committed just two turnovers over their past five games. Picking up the Pace The Vikings are eagerly anticipating the return of second-year linebacker Ivan Pace, the sparkplug who has missed four games on injured reserve with a hamstring strain. They’ll be cautious with him and the tricky nature of that injury, but getting Pace back in the middle of the action with fellow linebacker Blake Cashman would be a big boost to the play-calling options for defensive coordinator Brian Flores. “He flies around. When he blitzes, he’s as impactful as anybody, and when you can really get him and Cash out there at the same time, they both can really play to their strengths,” O’Connell said. “They’re both really good blitzers. Cash is phenomenal in coverage and reading the quarterback, and when you can kind of pair those guys together, run and pass, that’s when we’re at our best.” Kicking correction Brayden Narveson missed both of his field-goal attempts for Green Bay, from 37 and 49 yards, in the two-point decision at Lambeau Field in Week 4. The Packers released Narveson a couple of weeks later in favor of 11-year veteran Brandon McManus, who has gone 16 of 17 on field-goal tries including game-winners as time expired against Houston and Jacksonville. ___ AP NFL: https://apnews.com/hub/NFL Dave Campbell, The Associated PressJapan, U.S. set up 1st guidelines for 'extended deterrence'
13-year-old cricketer Suryavanshi can become India’s latest T20 batting sensation
CES 2025: Exhibitors, dates, ticket prices, and everything else you must knowMINNEAPOLIS (AP) — Minnesota Vikings coach Kevin O'Connell's stirring locker room tribute to his team last week at Seattle was respectfully interrupted by seven-year veteran right tackle Brian O'Neill, who flipped the script on the game ball awards by tossing one to the boss in honor of his second 13-win season in three years. The Vikings have obliterated even the most optimistic of external predictions for this transitional season, taking a sparkling 13-2 record into their matchup against the Green Bay Packers that has made O'Connell the current favorite for the NFL Coach of the Year award. “It’s a credit to who he is as a person, as a coach and as a leader,” tight end T.J. Hockenson said. “We’re very fortunate to be able to play under him.” The Vikings can not only win the NFC North for a second time in three seasons, but get the No. 1 seed with a first-round bye and home-field advantage throughout the NFC tournament if they beat both the Packers at home on Sunday and the Detroit Lions on the road next week. Don't expect the Vikings to ponder that possibility, though, as tantalizing as it would be. “It can be a very tired cliché to talk about going 1-0 until you’ve systematically built your entire operation daily of just trying to do that every single day,” O'Connell said after Minnesota's eighth consecutive victory . “These guys, it’s not a cliché at that point. It becomes part of your football foundation and the makeup of your locker room, of your leadership, your coaching staff.” The Packers could be forgiven for being less than impressed by the impact O'Connell has made, for a reason beyond simply him coaching their biggest rival. Green Bay enjoyed even better out-of-the-gate success under coach Matt LaFleur, who was hired in 2019 and won 13 regular-season games in each of his first three years. Though they're in third place at 11-4, two games behind the Lions and the Vikings, the Packers too have secured a place in the playoffs even if they can't win their loaded division. They'll likely be the visiting team as long as they're alive this postseason. "I think that just all of us going against one another, it’s forced you to be at your best every week," LaFleur said. “You can’t afford a slip-up, just to keep up with everybody.” The road team has won each of the past three matchups in this series. The Packers are 0-4 against the teams with the top three records in the NFC: Detroit, Minnesota and Philadelphia. “We’ve got to be able to go win these games against the really good teams in the league and set ourselves up for the situation we’ll be in for the playoffs,” quarterback Jordan Love said. Aaron Jones rushed for 93 yards on 22 carries for Minnesota in a 31-29 victory at Green Bay on Sept. 29. Released by the Packers for salary cap relief in favor of their premier free agency addition, the three-plus-years-younger Josh Jacobs, Jones just hit the 1,000-yard mark last week and can't hide from the significance of facing his former team. "They respect you because they were on your team or they've seen the work that you put in, but you want to gain their respect in another way from playing against them, like, ‘Man, this dude is really as good as I thought he was,’" Jones said. Jacobs, for his part, is fourth in the NFL entering Week 17 with 1,216 rushing yards for the most by a Packers player in a season since Ryan Grant (1,253) in 2009. The earlier matchup this season featured seven combined turnovers, four by the Packers and three by the Vikings. Both of these teams are among the NFL's best in the turnover department, with Green Bay at a plus-12 margin and Minnesota at a plus-10. The Packers have allowed a total of three sacks and have committed just two turnovers over their past five games. The Vikings are eagerly anticipating the return of second-year linebacker Ivan Pace, the sparkplug who has missed four games on injured reserve with a hamstring strain. They’ll be cautious with him and the tricky nature of that injury, but getting Pace back in the middle of the action with fellow linebacker Blake Cashman would be a big boost to the play-calling options for defensive coordinator Brian Flores. “He flies around. When he blitzes, he’s as impactful as anybody, and when you can really get him and Cash out there at the same time, they both can really play to their strengths,” O’Connell said. “They’re both really good blitzers. Cash is phenomenal in coverage and reading the quarterback, and when you can kind of pair those guys together, run and pass, that’s when we’re at our best.” Brayden Narveson missed both of his field-goal attempts for Green Bay, from 37 and 49 yards, in the two-point decision at Lambeau Field in Week 4. The Packers released Narveson a couple of weeks later in favor of 11-year veteran Brandon McManus, who has gone 16 of 17 on field-goal tries including game-winners as time expired against Houston and Jacksonville. AP NFL: https://apnews.com/hub/NFLSimmons scores 19 as Gardner-Webb takes down SE Louisiana 73-69COLEEN Rooney will have a surprise reunion with her youngest sons in an I’m A Celebrity tear-jerker. The mother of four is expecting a jungle visit from only her mum in a “friends and families” episode. A source said seeing Kit, eight, and Cass, six, will turn her “into a blubbering mess”. Friends and relatives of stars were sneaked into camp in last year’s show for the first time since 2018 — but insiders say Coleen would be expecting to see only her mum. A source said: “Everyone knows how much Coleen loves her boys, and it would be one of the most heart-warming moments of the series. “It’s a really special part of the show, and there’s no doubt Coleen would be a blubbering mess — as would the millions of viewers watching at home. It’s going to be such a surprise for her.” Coleen, wife of former Manchester United and England ace Wayne, is wearing a necklace with their four sons’ names and touches it on screen to let them know she is thinking of them. She revealed before entering the camp that Kai, 15, and Klay, 11, decided to stay at home while Kit and Cass were travelling with her mum to meet her when she leaves. It is believed that ITV bosses and Ant and Dec realised it was a “too good an opportunity” to miss. Wayne, 39, cannot be there due to his commitments as manager of Championship team Plymouth Argyle. The friends and family segment usually happens in the third week, when there are five or six celebs remaining. By that time Coleen, 38, will have been away for nearly three weeks, having flown out a week before the show started on November 17. She left the boys a box of jungle-themed props to wear at home in Cheshire while she is on TV. A source said: “The boys have some jungle-style hats, and khaki items of clothing and bandanas. “They’re really enjoying seeing her each night, especially as it means the younger ones get to stay up a bit later than usual.” Before the first episode aired last Sunday, Coleen’s Instagram page shared messages of support from her kids. Video showed Kai saying: “Hi Mum. I just want to say good luck.” Cass said: "Good luck, mum. Do your best.” Kit added: “Good luck in the jungle, Mum. Hope you win lots of stars. I love you.” I can’t wait to watch you on the telly later. And Klay declared: “I can’t wait to watch you on the telly later. Good luck. I love you.” The Sun on Sunday revealed Coleen signed for the show in a deal reputed to be worth more than £1.5million. Last night Wayne urged fans to vote for Coleen to do Bushtucker trials. He posted online: “Proud of @coleen_rooney on @imacelebrity she’s doing great. “Me and the boys would love to see her doing a trial and we know she’d want to put herself to the test. If you can download the #ImACeleb app and let’s get voting.” i'm A Celebrity is back for its 24th series, with a batch of famous faces living in the Aussie jungle. The Sun's Jake Penkethman takes a look at the stars on the show this year.. Coleen Rooney - Arguably the most famous name in the camp, the leading WAG, known for her marriage to Wayne Rooney , has made a grand return to TV as she looks to put the Wagatha Christie scandal behind her. The Sun revealed the mum-of-four had bagged an eye-watering deal worth over £1.5million to be on the show this year making her the highest-paid contestant ever. Tulisa - The popstar and former X Factor judge has made her triumphant TV comeback by signing up to this year's I'm A Celeb after shunning TV shows for many years. Known for being a member of the trio, N-Dubz, Tulisa became a household name back in 2011 when she signed on to replace Cheryl on ITV show The X Factor in a multi-million pound deal. Alan Halsall - The actor, known for playing the long-running role of Tyrone Dobbs on ITV soap opera Coronation Street, was originally signed up to head Down Under last year but an operation threw his scheduled appearance off-course. Now he has become the latest Corrie star to win over both the viewers and his fellow celebrities. Melvin Odoom - The Radio DJ has become a regular face on TV screens after rising to fame with presenting roles on Kiss FM, BBC Radio 1 and 4Music. Melvin has already been for a spin on the Strictly dancefloor and co-hosted The Xtra Factor with Rochelle Humes in 2015 but now he is facing up to his biggest challenge yet - the Aussie jungle . GK Barry - The UK's biggest social media personality, GK, whose real name is Grace Keeling, has transformed her TikTok stardom into a lucrative career. Aside from her popular social media channels, she hosts the weekly podcast, Saving Grace, and regularly appears on ITV talk show, Loose Women. She has even gone on to endorse popular brands such as PrettyLittleThing, KFC and Ann Summers. Dean McCullough - A rising star amongst this year's bunch of celebs , Dean first achieved notability through his radio appearances on Gaydio and BBC Radio 1. He was chosen to join the BBC station permanently in 2021 and has featured prominently ever since. He has enjoyed a crossover to ITV over the past year thanks to his guest slots on Big Brother spin-off show, Late & Live. Oti Mabuse - The pro dancer has signed up to her latest TV show after making her way through the biggest programmes on the box. She originally found fame on Strictly Come Dancing but has since branched out into the world of TV judging with appearances on former BBC show The Greatest Dancer as well as her current role on ITV's Dancing On Ice . Danny Jones - The McFly star was drafted into the programme last minute as a replacement for Tommy Fury. Danny is the second member of McFly to enter the jungle , after Dougie Poynter won the show in 2011. He is also considered a rising star on ITV as he's now one of the mentors on their Saturday night talent show, The Voice , along with bandmate Tom Fletcher. Jane Moore - The Loose Women star and The Sun columnist is braving the creepy crawlies this year. The star is ready for a new challenge - having recently split from her husband . It will be Jane's first foray into reality TV with the telly favourite having always said no to reality shows in the past. Barry McGuigan - Former pro boxer Barry is the latest fighting champ to head Down Under following in the footsteps of Tony Bellew and Amir Khan. It comes after a tough few years for Irish star Barry, who lost his daughter Danika to bowel cancer . He told The Late Late Show in 2021: "She was such an intrinsic part of the family that every day we ache." Maura Higgins - The Irish TV beauty first found fame on Love Island where she found a brief connection with dancer Curtis Pritchard . Since then, she has competed on Dancing On Ice as well as hosting the Irish version of the beauty contest, Glow Up. Since last year, she has been working on building up her career in the US by being the social media correspondent and host of Aftersun to accompany Love Island USA. She even guest hosted an episode of the spin-off, Love Island Games, in place of Maya Jama last year. Rev. Richard Coles - Former BBC radio host the Rev Richard Coles is a late arrival on I’m A Celebrity , and he's ready to spill the beans on his former employer. The former Communards and Strictly star , said the BBC did not know its a**e from its elbow last year. An insider said: "Rev Coles will have a variety of tales to tell from his wild days as a pop star in the Eighties, through to performing on Strictly and his later life as a man of the cloth."
Giants topple Colts 45-33 to eliminate Indy from the playoff raceUS sex-abuse watchdog fires investigator after learning of his arrest for stealing drug money DENVER (AP) — The U.S. Center for SafeSport abruptly fired one of its investigators last month after learning he’d been arrested for stealing money confiscated after a drug bust he was part of during his previous job as a police officer. Jason Krasley left his job with the Allentown Police Department in Pennsylvania in 2021 and was hired by the Denver-based SafeSport center to look into sensitive cases involving sex abuse and harassment. The center said it conducts multiple interviews and a “comprehensive background check” of potential employees. The center said it was looking into cases Krasley handled to make sure they were dealt with appropriately. Jim Larrañaga steps down at Miami, Bill Courtney takes over to finish season CORAL GABLES, Fla. (AP) — Jim Larrañaga has stepped down as Miami’s men’s basketball coach effective immediately. Larrañaga will be replaced by associate head coach Bill Courtney — one of Larrañaga’s best friends for the past three decades or so — for the remainder of the season. The now-former coach says he loves the university but believes it's the right time to step away. Larrañaga says "I’ve tried every which way to keep this going.” Larrañaga joins a long line of prominent college basketball coaches who have left their jobs in recent years citing the changes in the game and the challenge of coaching in the name, image and likeness era. Cowboys shutting down CeeDee Lamb with 2 games to go over receiver's shoulder issue FRISCO, Texas (AP) — The Dallas Cowboys are shutting down CeeDee Lamb with two games remaining after their 2023 All-Pro receiver spent the second half of the season dealing with a sprained right shoulder. The team says additional exams revealed enough damage to keep Lamb off the field Sunday at Philadelphia and in the final game at home against Washington. The team says surgery isn't expected to be required. Dallas was eliminated from playoff contention a few hours before last weekend’s 26-24 victory over Tampa Bay. At least 65 million tune in for Netflix NFL Christmas Day games. NBA holiday ratings also skyrocket LeBron James is going to have to make room for the NFL. Wednesday’s doubleheader on Netflix set records as the most-streamed NFL games in U.S. history, with numbers nearly five times more than the NBA. The Baltimore Ravens’ 31-2 victory over the Houston Texans averaged 24.3 million while Kansas City’s 29-10 win at Pittsburgh averaged 24.1 according to early viewer figures released by Nielsen on Thursday. Nielsen also said there were 65 million U.S. viewers who tuned in for at least one minute of one of the two games. The NBA’s five-game slate averaged about 5.25 million viewers per game across ABC, ESPN and its platforms, according to the league and Nielsen. Pat Riley says the Miami Heat will not trade Jimmy Butler ORLANDO, Fla. (AP) — If Jimmy Butler wants a trade, the Miami Heat have no plans to make him happy. Heat President Pat Riley — in a rare move — spoke out to address rumors Thursday, saying the team has no plans to trade Butler. It’s a clear sign that, if necessary, the team will be willing to let Butler leave as a free agent and get nothing in return. Riley says in a release distributed by the team "we usually don’t comment on rumors, but all this speculation has become a distraction to the team and is not fair to the players and coaches.” Penn State offensive coordinator Kotelnicki's creativity has the Nittany Lions humming in the CFP Penn State's offense is thriving under first-year offensive coordinator Andy Kotelnicki. The Nittany Lions are one of a handful of Power Four schools averaging 200 yards per game rushing and receiving heading into their College Football Playoff quarterfinal against Boise State. Penn State has one of the most unique offensive weapons in the country in tight end Tyler Warren. Warren has 92 receptions this season and has become a threat out of the backfield, rushing for 197 yards and two touchdowns. Organizers say two sailors have died in Sydney to Hobart yacht race amid wild weather conditions SYDNEY (AP) — Organizers said that two Sydney to Hobart sailors have died at sea amid wild weather conditions that forced line honors favorite Master Lock Comanche to withdraw among mass retirements. The Cruising Yacht Club of Australia, which administers the yacht race, has said that one sailor each on entrants Flying Fish Arctos and Bowline were killed after being struck by the boom, a large horizontal pole at the bottom of the sail. The race will continue as the fleet continues its passage to Constitution Dock in Hobart, with the first boats expected to arrive later on Friday or early Saturday morning. Haaland penalty failure and Fernandes red card pile on woes for City and United in Premier League Erling Haaland’s failure from the penalty spot and Bruno Fernandes’ latest red card have compounded the woes of Manchester City and Manchester United on another tough day for the two Premier League giants. City dropped more points in its improbably poor run of form by drawing 1-1 at home to Everton. Haaland had a spot kick saved by England goalkeeper Jordan Pickford. The defending champions have only won one of its last 13 games in all competitions. City is languishing in seventh place while United is 14th after a 2-0 loss at Wolverhampton. Fernandes was sent off in the 47th. First-place Liverpool beat Leicester 3-1 in foggy conditions at Anfield and leads by seven points. Simona Halep withdraws from Australian Open qualifying because of knee and shoulder pain MELBOURNE, Australia (AP) — Two-time Grand Slam champion Simona Halep has pulled out of Australian Open qualifying and a tuneup tournament in Auckland, New Zealand, because of pain in her knee and shoulder. Thursday's news represents the latest interruption of her comeback from a drug suspension. Halep posted on social media that she was feeling poorly after participating in an exhibition event in Abu Dhabi. The 33-year-old Romanian said she is planning to next enter the Transylvania Open in her home country, where play begins Feb. 3. Halep was granted a wild-card entry for qualifying in the Australian Open last week. Mahomes throws 3 TDs as Chiefs clinch AFC's top seed by breezing past the skidding Steelers 29-10 PITTSBURGH (AP) — Patrick Mahomes passed for 320 yards and three touchdowns and the Kansas City Chiefs locked up the top seed in the AFC for the fourth time in seven seasons with a 29-10 win over the Pittsburgh Steelers. The two-time defending Super Bowl champions raced to an early 13-point lead and were never really threatened by the Steelers (10-6). Pittsburgh has dropped three straight to see its chances of capturing the AFC North take another hit. Travis Kelce caught eight passes for 84 yards and a touchdown. Kelce also became the third tight end in NFL history to reach 1,000 receptions, joining Tony Gonzalez and Jason Witten.President-elect Donald Trump is considering rearranging White House press briefings in a move that could leave establishment media outlets out to dry. Instead of hostile legacy media outlets, Trump could seat new media hosts such as Megyn Kelly or Joe Rogan. Donald Trump Jr. revealed the plan Monday on his podcast, Triggered with Donald Trump Jr ., with Michael Knowles. Knowles inquired if “Karoline Leavitt is looking at the new press briefing room chart, [if] maybe it’s time to reorder that chart and maybe take away some people’s seats.” Donald Trump, Karoline Leavitt (X/Karoline Leavitt) Trump Jr. responded, “We’re gonna break some news here,” continuing, “I literally had this conversation with — I was flying back, I was on the plane with my father, I think it was coming back from the SpaceX launch with Elon [Musk] last week. And we were talking about the podcast world and some of our friends and Rogan and guys like you.” He revealed his father responded, “That’s a great idea, Don.” “So that may be something in the works,” Trump Jr. added. The White House briefing room holds seats for only 49 credentialed members of the press. Yet while the White House controls who is credentialed, the independent White House Correspondents’ Association decides who is seated, and where. WATCH — Sebastian Gorka Reveals How President Trump Rejects the Swamp Status Quo: During his first administration, Trump temporarily banned CNN’s Jim Acosta from the briefing room. The White House relented after CNN launched a legal skirmish, and Acosta returned to briefings. Podcasts have quickly gained prominence, including significant gains since Trump left office. But the White House Correspondents’ Association may be unlikely to welcome new media into their fold. It’s unknown if Rogan or Kelly will be interested in being seated for press briefings. Breitbart News Editor-in-Chief Alex Marlow also appeared on the episode of Triggered , during which Trump Jr. suggested Marlow should take over MSNBC if Musk buys the struggling network. Bradley Jaye is a Capitol Hill Correspondent for Breitbart News. Follow him on X/Twitter at @BradleyAJaye .It is important to address the concerns raised in Farooq Kperogi’s recent article, “Tinubu’s Buharisation of the NNPC”, and to clarify some of the misconceptions about the operations and leadership structure of the Nigerian National Petroleum Company (NNPC) Limited. First, employment, promotions, appointments, and movements of business leaders at the NNPC are not influenced by ethnicity, tribe, religion, or political affiliation. Therefore, decisions within the NNPC are guided strictly by merit, business requirements, and expertise. This approach ensures that only the most qualified and competent individuals occupy positions that are critical to the company’s success. It is significant that our company focuses on efficient and effective service delivery, which is anchored on the commitment of qualified work team. The NNPC prides itself on being a professional organisation with a diverse leadership lineup that includes individuals from various parts of the world, not just Nigeria. The presence of qualified foreigners in the employ of the NNPC, who have been bolstering the value chain of production and distribution of allied products, is verifiable. It is, thus, sad that a professor of Mr Kperogi’s standing would resort to and play up the issue of ethnic identities in the configuration of the work team in NNPC just to demonise President Tinubu. This editorial preoccupation of Mr Kperogi is nothing but sheer red herring, ostensibly orchestrated to detract the President’s disciplined leadership that upholds the freedom of the NNPC as well as the company’s work ethic that has produced its strings of sterling performances. Under the leadership of Mele Kyari, the NNPC has achieved remarkable milestones and recorded several “firsts” in the industry. These milestones were not defined, coloured or contoured by primordial fault-lines of tribe and religion. They were inspired by the collective drive for excellence. These milestones include groundbreaking advancements in exploration, production, and global partnerships that were previously thought unattainable. This success is a testament to the company’s focus on competence and professionalism rather than on parochialism as insinuated in the editorial offerings by Mr Kperogi. Regarding Mr Kperogi’s notions about President Bola Ahmed Tinubu, it is essential to highlight that Mr President has not interfered in the operations or leadership movements within the NNPC. On the contrary, his administration has introduced transformative policies that have added immense value to the oil and gas sector and the broader Nigerian economy. President Tinubu’s approach has been to empower institutions like the NNPC to operate independently while fostering a conducive environment for growth and innovation. His reforms have set a benchmark that has significantly improved the sector, surpassing the achievements of many of his predecessors. It is disappointing that individuals like Mr. Kperogi, who have lived and observed governance structures abroad, would overlook these accomplishments and focus on divisive narratives. Symbolism, while important, must not overshadow the substantive achievements and transformative impact of policies and leadership on national development. We extend an open invitation to Mr. Kperogi to visit the NNPC and witness firsthand the professionalism, sacrifices, and daily efforts that go into driving Nigeria’s economic engine. He will see a team that works tirelessly to contribute to the growth of our economy and the prosperity of our nation. The NNPC remains committed to fostering unity, embracing diversity, and upholding the principles of meritocracy. It is through such commitments that we can continue to work to achieve and strengthen national cohesion and position Nigeria as a global leader in the energy sector. We urge commentators and stakeholders alike to base their assessments on hard facts and evidence, rather than conjectures, for the greater good of our nation. ■ Olufemi Soneye is the Chief Corporate Communications Officer of the NNPC Ltd.
People in Nunavut and northern Labrador have been writing to Canadian government officials this year to say grocers were charging exorbitant prices despite receiving a federal subsidy. The emails about the Nutrition North subsidy program ranged from desperate pleas to do something to lower food costs, to angry demands that retailers receiving subsidies be investigated. In April, Minister of Northern Affairs Dan Vandal acknowledged there was a problem. "I agree more work is needed to optimize the subsidy for Northerners to ensure 100 per cent of the subsidy is passed on directly to consumers," Vandal said in a note to Nunavut Family Services Minister Margaret Nakashuk obtained through an access to information request. Some of the 17 emails from members of the public accused retailers of hiking food prices in northern communities after funding arrived earlier this year through a program known as Jordan's Principle, which offers federal support to improve access for children to services and necessities including education and food. "Our food prices have increased since Jordan's Principle food for kids," said one message from October. "It's quite dismaying. Who profits on hunger?" The emails and notes were released in response to a request by The Canadian Press for correspondence with the Department of Northern Affairs about the Nutrition North Canada program, from the beginning of the year through Oct. 1. The federally run program offers subsidies to grocery companies operating in remote Indigenous communities aimed at offsetting the cost of transporting healthy foods, and making them more affordable. In one instance, a London, Ont., Girl Guide troop wrote asking the government to make Nutrition North more transparent. "We're worried that the money that is given does not help the cost of food in grocery stores go down enough," the letter said. The majority of the feedback was from people writing about prices in Nunavut and in Nain, which is the northernmost community in Labrador, in the Inuit region of Nunatsiavut. The main stores mentioned are those run by Arctic Co-operatives Ltd., which primarily serves Nunavut, and the North West Company, which operates 118 Northern stores in remote communities across Northern Canada. Names and identifying information about senders were redacted. "Put the subsidy up. The airlines are making millions and the North West Company, but the people are starving, please, please review these rates," a Nunavut resident wrote in February. "The stores in fact throw out foods that have rotted to the dump because they are priced too high and many people cannot afford them," said a July email about prices at Arctic Co-op and Northern stores. "Something else needs to be done to make the Nutrition North subsidy work like it was intended to, not make the people suffer and make the stores benefit." Another calls for an investigation into prices at the grocery stores in Nunavut. "One can of corn beef hash was $11 and now $14.09 after Jordan's (Principle) was introduced two months ago," the July email said. "Even a jar of sweet mixed pickles was over $32." As first reported by the Nunatsiaq News last week, Nunavut Tunngavik Inc., the land-claims body representing Nunavut Inuit, confirmed it is planning to investigate whether retailers hiked food prices after communities began receiving Jordan's Principle funding earlier this year. "NTI has heard concerns ... at our regular board meetings as well as the Nunavut roundtable on poverty reduction this past October," spokesperson Ivaluarjuk Merritt told The Canadian Press in an email Monday. Arctic Co-operatives Ltd. is owned by the 32 independent community co-op stores across the North, noted Duane Wilson, the company's vice-president of stakeholder relations. Since the company's shareholders are its customers, there is "absolutely zero incentive" to unfairly hike prices, he said in an interview Tuesday. Darryl Martin, a spokesperson for the North West Company said the company is working with communities in the North to deliver, via gift cards, the funding provided by Ottawa through Jordan's Principle -- also known as the Inuit Child First Initiative. He said the company shares the goal "of bringing more affordable food prices" to people in the North. In northern Labrador, one resident's February email urges Nutrition North advisory board members to "check in on Rigolet," a town where the North West Company operates the only grocery store. Several people from Nain sent emails to the department over the summer, when prices typically go down because retailers can ship food by ferry rather than pay for expensive air freight. "Why are grocery prices still outrageously high at Northern in Nain when we are in the middle of shipping season?" said one. A 10-pound bag of potatoes at Northern was selling for more than $31, the author said. A box of fish sticks was $21. The federal government announced last month it would launch an external, independent review of the Nutrition North subsidy program, with a final report expected in 2026. Lori Idlout, the New Democrat MP for Nunavut, said something needs to be done in the meantime to bring down "unbearable" food prices. "I think the Liberals don't care to help alleviate poverty among Indigenous communities and northern communities," Idlout said in a recent interview. "There needs to be a way to ensure that the Nutrition North program is holding accountable corporations like the (North West Company.)" The North West Company reported $219.8 million in gross profits for the second quarter of this year, a 7.8 per cent increase from the $204.4 million reported for the same time last year. A Toronto Metropolitan University published a study last year showing retailers passed on to consumers just 67 cents of every dollar received from the Nutrition North subsidy program. This report by The Canadian Press was first published Nov. 26, 2024. Shopping Trends The Shopping Trends team is independent of the journalists at CTV News. We may earn a commission when you use our links to shop. Read about us. 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Amicable end proposed for former Grace Hospital site The Corporation of the City of Windsor and Fairmount Properties LLC issued a joint statement about the former Grace Hospital site near downtown Windsor. Vancouver Island B.C. premier says Canada will negotiate from 'position of strength' on US tariff British Columbia Premier David Eby said Canada had to approach Donald Trump's plan to impose a 25 per cent U.S. tariff on Canadian goods from a position of strength, as business, trade and community organizations called for quick action on the trade threat. B.C. teen with avian flu remains in critical care, source of infection still unknown The teenager who is infected with the first human case of H5N1 avian influenza acquired in Canada remains in critical care at BC Children’s Hospital, officials said Tuesday. B.C. RCMP officer won't stand trial for on-duty shooting A B.C. 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Mexico suggests it would impose its own tariffs to retaliate against any Trump tariffs President Claudia Sheinbaum suggested Tuesday that Mexico could retaliate with tariffs of its own, after U.S. President-elect Donald Trump threatened to impose 25 per cent import duties on Mexican goods if the country doesn’t stop the flow of drugs and migrants across the border. Lifestyle World's oldest man dies aged 112 in England John Tinniswood, an Englishman born the same year the Titanic sank and who survived two world wars and two global pandemics, has died aged 112, Guinness World Records said on Tuesday, months after it recognized him as the world's oldest man. China's hottest new tourist attraction is 5,000 feet in the air The newest of these not-for-the-faint-of-heart structures is called Tianti (“Sky Ladder” in Chinese). It clocks in at 168 metres and stretches between two cliffs at a height of 5,000 feet, according to Chinese state media. Dictionary.com has named its word of the year, and it isn't 'brat' In an announcement Monday, Dictionary.com said one word experienced a 'meteoric rise in usage' in 2024. Sports NBA legend Charles Barkley criticizes LA Lakers over handling of Bronny James NBA legend Charles Barkley has criticized the Los Angeles Lakers over their handling of Bronny James this season. 'Embarrassing:' NHL team ditches bus and walks to Scotiabank Arena amid gridlock The Utah Hockey Club got the full Toronto experience Sunday night ahead of their first-ever matchup against the Maple Leafs—bumper-to-bumper traffic that forced the team to walk to the game. Vancouver Whitecaps drop head coach Vanni Sartini Two weeks after the Vancouver Whitecaps’ playoff run ended in the first round, the team has fired head coach Vanni Sartini. Autos Ontario woman buys van with odometer rolled back almost 100,000 kilometres An Ontario woman thought she got a good deal when she bought a van for $2,700, but later learned the odometer had been rolled back nearly 100,000 kilometres. Nearly 46,000 electric vehicles recalled in Canada over power loss risk Nearly 46,000 electric vehicles from Kia, Hyundai and Genesis are being recalled in Canada over a potential power loss issue that can increase the risk of a crash. Northvolt says Quebec battery plant will proceed despite bankruptcy filing Northvolt AB has filed for bankruptcy protection in the United States, but said the move will not jeopardize the manufacturer's planned electric vehicle battery plant in Quebec — though hundreds of millions of taxpayer dollars invested in the parent company could be lost. Stay Connected
Jurors end 1st day of deliberations without a verdict in the YSL gang and racketeering trialNEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.