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By Kimberly Palmer, NerdWallet The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 financial goals : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling savings accounts so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your credit score , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to save more money , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even budget together side-by-side . “It’s a fun excuse to meet up with a friend.” More From NerdWallet Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article The Secret to Making Successful Financial New Year’s Resolutions originally appeared on NerdWallet .

At its core, "moderate relaxation" emphasizes the importance of finding a middle ground between being constantly busy and allowing oneself to rest and recharge. It acknowledges the value of downtime, leisure activities, and self-care in maintaining overall well-being and productivity. In a society where busyness is often equated with success, the concept of "moderate relaxation" serves as a reminder that overworking oneself is not a sustainable path to long-term fulfillment.

The sentencing of the two individuals to 10 years in prison serves as a clear message that acts of espionage and betrayal of national trust will not be taken lightly. It is crucial for both the academic and intelligence communities to remain vigilant and ensure that proper security measures are in place to prevent similar incidents from occurring in the future.

Inter Milan, on the other hand, are understood to be open to negotiating a potential permanent transfer for Esposito, as they seek to balance their squad and financial requirements. The Nerazzurri are known for their shrewd dealings in the transfer market, and they may be willing to part ways with the young striker if the right offer is made.

Srinagar, Nov 27: Realme has introduced the GT 7 Pro, a groundbreaking smartphone powered by the Snapdragon 8 Elite chipset, marking a significant milestone in Indian mobile technology. The device boasts an impressive Antutu score of 3 million and features cutting-edge innovations including an AI Underwater Photography mode and NEXT AI system. The smartphone comes with a RealWorld Eco2 Display co-developed with Samsung Display, Sony IMX882 periscope camera, and advanced AI capabilities that transform user experience. It offers powerful performance with 120W SUPERVOOC charging and a 5800mAh battery. Available in Mars Orange and Galaxy Grey, the GT 7 Pro is priced at `56,999 for the 12GB+256GB variant and `62,999 for the 16GB+512GB model. Pre-bookings began on November 18, with the first sale scheduled for November 29 across Amazon.in, offline channels, and Realme’s website.NGO to release environmental law enforcement manual to strengthen crime prosecutionIn the midst of the global pandemic, economies around the world have been severely impacted, with governments implementing various measures to stabilize markets and support businesses. As we navigate through these challenging times, attention has turned to the role of media in shaping economic recovery. The concept of Incremental Policy 2.0 has emerged as a potential new dynamic to rejuvenate economies and drive growth in a post-pandemic world.China's relations with South Korea have witnessed both challenges and developments over the years. The diplomatic ties between the two nations have been characterized by a complex interplay of political, economic, and cultural factors. As neighboring countries with significant regional influence, China and South Korea share a vested interest in fostering stable and cooperative relations for the mutual benefit of both nations.

5. N'Golo Kante: The final player on Isco's list is Chelsea's N'Golo Kante, the French midfielder known for his tireless work rate and ability to break up play in the midfield. Kante's speed, stamina, and tactical awareness make him a formidable opponent in the center of the park. His ability to disrupt the opposition's play and win back possession quickly can make life difficult for opposing midfielders.

Is it safe to eat turkey this Thanksgiving amid bird flu outbreak? Here’s what experts sayRepublican U.S. Sen.-elect Tim Sheehy this week claimed a firework-ignited grass fire set near his campaign sign west of Livingston was a politically motivated arson. A Park County sheriff’s deputy on Dec. 21 notified dispatchers of a fire near Interstate 90 and West End Road. On social media, the sheriff’s office said winds that night were clocked at 50-to-60 mph and helped push the fire out to 26 acres. Authorities issued evacuations for the nearby residents and firefighters knocked the blaze down in roughly an hour and a half, according to the sheriff’s office post. The fire "definitely" started near a Sheehy campaign sign, the rural fire district chief . And while law enforcement has obtained video of the suspect's vehicle fleeing the area after starting the fire, it appeared Friday that no one had been charged yet. On Tuesday Sheehy appeared near the scorched scene and issued a social media post of appreciation for the responders, which, , included neighbors to the threatened properties. He also posted a picture with two Montana Department of Transportation employees, whose facility was adjacent to the burned area, as well as a photo of a blackened building. Initial reports from the sheriff’s office did say the incident was being investigated as a criminal act but did not imply political motivations, although Sheehy appeared certain of it in a video posted to his social media. "We just visited with the Jensen family here, four beautiful young kids, it was actually their third daughter’s birthday the night that these arsonists started the fire to burn down our sign and started about a 30-acre wildfire, burned their grazing land, harmed their property and its just sad that would happen here," Sheehy said. "We can still disagree, we can still respect each other in this country. We don't have to do things like this." The Park County Sheriff's Office said on Facebook on Monday it had obtained video evidence of a person shooting a firework out of a moving vehicle and igniting the dry grass before heading west on I-190. "It was definitely someone setting off fireworks at the sign," Park County Rural Fire District Chief Dann Babcox , referencing law enforcement reports. A call to the sheriff's office on Friday seeking any update or arrest information was not immediately returned. "Very disappointing, really tough way for these families to enter the Christmas week," Sheehy continued in his video. "It's effected several families here, including some structures, its a tough way for these people to have to start the holiday season."

by Michael West | Dec 28, 2024 | Scam of the Week Support Us here https://linktr.ee/michaelwestmedia.com.au Welcome to Scam of the Week, where we dive headfirst into the best of political and corporate shenannigans. We showcase Rupert Murdoch, Gina Rinehart and other members of the Australian Royal Scamily. Subscribe for blistering exposés, relentless satire, and a few laughs at the expense of the powerful. 🎥 Watch now, and brace yourself for our Scam of the Year! 00:00: Introduction and Current Events 00:27: Discussion on Media Grants and Property Stories 02:36: Government Secrecy and Foreign Armies 03:25: BHP Whistleblower Case 04:00: Australian Review Tribunal 06:15: Nuclear Power Secrecy Plans 08:55: Friendly Geordies’ Leaked Video and Gina Rinehart’s Party 10:49: Duggan’s Extradition and Legal System Criticism 11:19: Matt Canavan’s Nuclear Truth Leak 12:18: Holiday Wishes and Reading Recommendations 12:56: Closing Remarks and happy holidays #ScamOfTheWeek #MichaelWest #GovernmentSecrecy #CorporateGreed #friendlyjordies Michael West established Michael West Media in 2016 to focus on journalism of high public interest, particularly the rising power of corporations over democracy. West was formerly a journalist and editor with Fairfax newspapers, a columnist for News Corp and even, once, a stockbroker. Don't pay so you can read it. Pay so everyone can!

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In a shocking turn of events, two graduates from a prestigious university have been sentenced to 10 years in prison for selling sensitive national secrets. The case has sent shockwaves through the academic and intelligence communities, raising questions about the loyalty and integrity of individuals who are entrusted with sensitive information.

One of the most significant factors contributing to the downfall of Chinese concept stocks is the series of regulatory crackdowns initiated by Chinese authorities. The Chinese government has been tightening regulations on a wide range of industries, including technology, education, and finance. These regulatory actions have sparked concerns among investors about the unpredictability of the Chinese regulatory environment, leading to increased risk and uncertainty in the market.

By taking swift and decisive action against cheaters, the overseas server of "Infinite Warmth" demonstrates a zero-tolerance policy towards any form of cheating or unauthorized modifications. This firm stance aligns with the principles of fair play and sportsmanship, fostering a positive gaming environment where skill and strategy are valued over deception and manipulation.Dodgers lose Garrett McDaniels, Hyun-il Choi, Michael Hobbs, others while adding an MiLB outfielder in Rule 5 DraftBrazil's top court takes on regulation of social media

The Trump and Biden teams insist they're working hand in glove on foreign crisesJason Kelce's wife announces she is pregnant with the couple's fourth child Former Philadelphia Eagles center Jason Kelce's wife is announcing she's pregnant with the couple's fourth child. Kylie Kelce posted a photo on Instagram on Friday of the couple's three young daughters reacting to the news. The oldest daughter, Wyatt, appears to be cupping her head in shock. The middle daughter, Ellioette, is smiling. The youngest, Bennett, is in tears. A caption attached to the photo reads: “I feel like we captured a very accurate representation of how each of the girls feel about getting another sister. At least Ellie, mom and dad are on the same page!” Israeli-Moldovan rabbi living in UAE is missing. Israeli officials fear he may have been kidnapped DUBAI, United Arab Emirates (AP) — An Israeli-Moldovan rabbi living in the United Arab Emirates has gone missing, with Israeli authorities raising the suspicion he may have been kidnapped as tensions remain high with Iran. The Israeli prime minister’s office said that Zvi Kogan has been missing since noon Thursday. It said that against the backdrop of information that this was a terrorist incident, an extensive investigation has been opened in the country. Emirati officials did not immediately respond to a request for comment Saturday. State-run media in the UAE, an autocratic federation of seven sheikhdoms on the Arabian Peninsula and home to Abu Dhabi and Dubai, did not immediately report the incident. Alyssa Nakken, first full-time female coach in MLB history, leaving Giants to join Guardians CLEVELAND (AP) — Alyssa Nakken, the first woman to coach in an MLB game, is leaving the San Francisco Giants to join the Cleveland Guardians. Nakken made history in 2022 when she took over as first-base coach following an ejection. A former college softball star at Sacramento State, Nakken joined the Giants in 2014 and was promoted to a spot on manager Gabe Kapler’s staff in 2020, becoming the majors’ first full-time female coach. Nakken has been hired as an assistant director within player development for the Guardians, who won the AL Central last season under first-year manager Stephen Vogt. Nakken, 34, will work with former Giants coaches Craig Albernaz and Kai Correa. Officer kills pet dog mistaken for a coyote in Massachusetts town. The owner says it was unnecessary An animal control officer shot and killed a pet dog in a Massachusetts town after mistaking it for a coyote in an incident local police are describing as a sad mix-up. Police in Northbridge, Massachusetts, say the shooting happened on Tuesday after police received a call of a report of a coyote in a residential backyard. Police say the animal control officer went into the woods to look for the coyote and found what they thought was the animal in a threatening position and shot it. The incident happened as communities around Massachusetts and the country have dealt with an uptick in interactions between coyotes and people. Kendrick Lamar surprises with new album 'GNX' LOS ANGELES (AP) — Kendrick Lamar gave music listeners an early holiday present with a new album. The Grammy winner released his sixth studio album “GNX” on Friday. The 12-track project is the rapper’s first release since 2022’s “Mr. Morale & The Big Steppers.” Lamar’s new album comes just months after his rap battle with Drake. The rap megastar will headline February's Apple Music Super Bowl Halftime Show in New Orleans. The 37-year-old has experienced massive success since his debut album “good kid, m.A.A.d city” in 2012. Since then, he’s accumulated 17 Grammy wins and became the first non-classical, non-jazz musician to win a Pulitzer Prize. NBA memo to players urges increased vigilance regarding home security following break-ins MIAMI (AP) — The NBA is urging its players to take additional precautions to secure their homes following reports of recent high-profile burglaries of dwellings owned by Milwaukee Bucks forward Bobby Portis and Kansas City Chiefs teammates Patrick Mahomes and Travis Kelce. In a memo sent to team officials, a copy of which was obtained by The Associated Press, the NBA revealed that the FBI has connected some burglaries to “transnational South American Theft Groups” that are “reportedly well-organized, sophisticated rings that incorporate advanced techniques and technologies, including pre-surveillance, drones, and signal jamming devices.” Ancient meets modern as a new subway in Greece showcases archaeological treasures THESSALONIKI, Greece (AP) — Thessaloniki, Greece’s second-largest city, is opening a new subway system, blending ancient archaeological treasures with modern transit technology like driverless trains and platform screen doors. The project, which began in 2003, uncovered over 300,000 artifacts, including a Roman-era thoroughfare and Byzantine relics, many of which are now displayed in its 13 stations. Despite delays caused by preserving these findings, the inaugural line has been completed, with a second line set to open next year. Conor McGregor must pay $250K to woman who says he raped her, civil jury rules LONDON (AP) — A civil jury in Ireland has awarded more than $250,000 to a woman who says she was raped by mixed martial arts fighter Conor McGregor in a Dublin hotel penthouse after a night of heavy partying. The jury on Friday awarded Nikita Hand in her lawsuit that claimed McGregor “brutally raped and battered” her in 2018. The lawsuit says the assault left her heavily bruised and suffering from post-traumatic stress disorder. McGregor testified that he never forced her to do anything and that Hand fabricated her allegations after the two had consensual sex. McGregor says he will appeal the verdict. At least 19 people are sick in Minnesota from ground beef tied to E. coli recall U.S. health officials say at least 19 people in Minnesota have been sickened by E. coli poisoning tied to a national recall of more than 167,000 pounds of potentially tainted ground beef. Detroit-based Wolverine Packing Co. recalled the meat sent to restaurants nationwide. Minnesota state agriculture officials reported multiple illnesses and found that a sample of the product tested positive for E. coli, which can cause life-threatening infections. No illnesses have been reported outside of Minnesota. Symptoms of E. coli poisoning include fever, vomiting, diarrhea and signs of dehydration. Actor Jonathan Majors’ ex-girlfriend drops assault and defamation lawsuit against once-rising star NEW YORK (AP) — Jonathan Majors’ ex-girlfriend has dropped her assault and defamation lawsuit against the once-rising Hollywood star after reaching a settlement. Lawyers for Majors and Grace Jabbari agreed to dismiss the case with prejudice Thursday. Jabbari is a British dancer who had accused Majors of subjecting her to escalating incidents of physical and verbal abuse during their relationship. Representatives for Majors didn’t respond to emails seeking comment Friday. Jabbari’s lawyer said the suit was “favorably settled” and her client is moving on with “her head held high.” Majors was convicted of misdemeanor assault and harassment last December and sentenced to a yearlong counseling program.