SCOTTSDALE, Ariz. (AP) — Even when Penn State quarterback Drew Allar gets some praise, it's usually a backhanded compliment. They say he's a good game manager and stays within himself, or that he doesn't try to do too much. They mention he might not be flashy, but he gives the team a chance to win. And here's the thing about Penn State since Allar stepped under center: The Nittany Lions have won games. A lot of them. Sometimes that's hard to remember considering the lukewarm reception he often gets from fans. “I get it — we have a really passionate fan base and they're a huge part of our success,” Allar said Sunday at College Football Playoff quarterfinals media day. “For us, we always want to go out there every drive and end with a touchdown, so when we don't do that, there's nobody more frustrated than us.” The polarizing Allar is having a solid season by just about any standard, completing more than 68% of his passes for 3,021 yards, 21 touchdowns and seven interceptions while leading the sixth-seeded Nittany Lions to a 12-2 record and a spot in the Fiesta Bowl for Tuesday's game against No. 3 seed Boise State. But in a college football world filled with high-scoring, explosive offenses, Allar's no-frills performances often are the object of ire. The Penn State offense is a run-first bunch , led by the talented combo of Nicholas Singleton and Kaytron Allen. “If we had a nickel for every time there was a Monday morning quarterback saying some BS stuff, we'd all be pretty rich,” offensive coordinator Andy Kotelnicki said. “I think part of being a quarterback, especially at Penn State but really anywhere, is how you respond to and manage criticism.” The 20-year-old Allar has made strides in that department after a trying 2023 season that finished with a 10-3 record. He says that's largely because once fall camp started back in August, he logged off the social media platform X. Allar said negative online experiences wore on him last year, and his phone number was leaked a few times, which added to the stress. He finally realized that controlling outside narratives was impossible, so the best course of action was to eliminate a needless distraction. “I’ve been more mentally free, as much as that sounds crazy,” Allar said. “I think that’s been a huge difference for me this year.” The biggest criticism of Allar — and really Penn State as a whole during the 11-year James Franklin era — is that he isn't capable of winning the big games. He's 0-2 against rival Ohio State and threw a late interception against Oregon in the Big Ten title game earlier this month, which sealed the Ducks' 45-37 victory . He wasn't great in the CFP's first round, either, completing just 13 of 22 passes for 127 yards as Penn State muscled past SMU 38-10 on a cold, blustery day to advance to the Fiesta Bowl. But the quarterback is confident a better performance — aided by a game that will be played in comfortable temperatures in a domed stadium — is coming. “For me, I just have to execute those (easy) throws early in the game and get our guys into rhythm,” Allar said. “Get them involved early as much as I can and that allows us to stay on the field longer, call more plays and open up our offense more. That will help us a ton, building the momentum throughout the game.” Allar might be a favorite punching bag for a section of the Penn State fan base, but that's not the case in his own locker room. Star tight end Tyler Warren praised his quarterback's ability to avoid sacks, saying that the 6-foot-5, 238-pounder brings a toughness that resonates with teammates. “He’s a football player,” Warren said. “He plays quarterback, but when you watch him play and the energy he brings and the way he runs the ball, he’s just a football player and that fires up our offense.” Now Allar and Penn State have a chance to silence critics who say that the Nittany Lions don't show up in big games. Not that he's worried about what other people think. “I think it's a skill at the end of the day — blocking out the outside noise," Allar said. "Focusing on you and the process and being honest with yourself, both good and bad.” 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-footballEastern Ontario farm wants your Christmas trees to feed its animals: ’They do like the fresh needles’Sean ‘Diddy’ Combs’ third bid to be released on bail won’t be decided until next week
Pride, bragging rights and more than $115M at stake when final college playoff rankings come out
Shedeur Sanders will be done with college football at the end of the 2024 season, meaning that the NFL is on tap for him. He's arguably the top quarterback heading into the 2025 NFL Draft and there's already some growing speculation that the New York Giants could be the top favorite to draft him. They're in need of a new franchise quarterback since they cut Daniel Jones on Friday and don't have a QB1 on their roster for next year. Jones had been with the Giants for the last six seasons but didn't pan out the way the team wanted him to. Some NFL fans are hoping that Sanders goes to the Giants and think that he and wide receiver Malik Nabers would form a deadly quarterback-wide receiver duo. Andrew Wevers/Getty Images "Shedeur Sanders & Malik Nabers might RUN THE LEAGUE," one tweet read . "New York Giants scouts seem to love Shedeur Sanders They have been seen at multiple games and practices throughout the season," another tweet read . "Cam Ward has the higher ceiling... But Shedeur is my QB1 for the Giants. He’ll bring a great new energy and vibe to NY. The Giants desperately need a culture change - Sanders brings that," another fan tweeted . "Imagine Shedeur Sanders on the giants with Malik Nabers," another tweet read . Sanders has Colorado on the cusp of a berth in the Big 12 Championship Game. If Colorado can win its last two games, it will play for the Big 12 title and a berth in the College Football Playoff. Kickoff for Saturday's Colorado-Kansas game will be at 3:30 p.m. ET. Related: Paul Finebaum Shares Stance On Deion Sanders Potentially Joining SECIt’s a supercharged start to 2025 for you Aries, with your ruler in proud Leo, your fellow Fire sign, and at a potent angle to the planet of change, Pluto. This can be a year with a lot of positive developments. As Jupiter and Mercury connect potently, your words and ideas can create an impact. And with the Solar Eclipse in your sign in late March, the arrival of Neptune, then Saturn, for their first blushes in your sign for many years, and Uranus nipping into Gemini for four months from the 7th of July, a new beginning shapes up. This may be around where you live as much as your worldly interactions. Both the start of the year and from the 9th of June can see you thinking seriously about relocating. If you do, it’s because you’re so much clearer about who you are and what you want. Once you’re settled, the things you put into action will really start to come to fruition from the start of 2026, when first Neptune then Saturn return for the longer haul. With the Point of Destiny visiting your most spiritual sector from January, your interest in healing, releasing past issues and spending time in places that can recharge you will increase. Your ruler Venus starts this year in your sector of success, along with the planet of evolution, Pluto. This combination can help you to elevate your personal charisma and talents and connect with influential people in 2025. With the planet of change Uranus with you for eight months of the year, this may require you to refocus your plans. Longer-term schemes can make progress but may require a lot of commitment due to Saturn, the planet of hard work, squaring off Jupiter the planet of growth in your sector of everyday money as the year begins and in mid-June. New ways of earning money will show up in the summer months, but the Solar Eclipse in your sister earth sign of Virgo on the 21st of September suggests, along with Saturn and Neptune’s role in your sector of deep appraisal for some of the year, that old strands are going to make way. This will free up space for you to pursue new priorities, and key to this is going to be how you share your ideas, which with Jupiter’s help, if you can express them with enthusiasm and self-belief, can bring lots of new opportunities from the 9th of June. With Mars and Pluto face to face as the year begins, you have a fantastic opportunity to be passionate about your ideas and how you share them. This can also be a year when you travel a lot, and connections with like-minded people and friends could really come to life from the end of March. Lots of positive interactions are possible, but also some people may make way as newer and fresher faces seek out your company. Your financial sector gets a huge boost from the 9th of June through to the year’s end, and with the electric energies of Uranus joining you for four months from the 7th of July, some exciting and very novel possibilities start to take shape. Where you live will take on more precedence from the Solar Eclipse of the 21st of September, when balancing your home, family and work needs with your professional or worldly commitments can play a larger role. Expect to be in demand Gemini, as your skill set is going to see you very much in vogue and promotions and greater recognition are possible with the Point of Destiny so beneficial. Really driving this success through, however, will require a lot of focused effort and discipline. Your ruler, the Moon, is always very influential for you, as well as the Moon’s Nodes, and they’re suggesting new experiences and possibilities are in the celestial mix. Even if you are not a particularly materialistic person, influences from the start of the year can see you take resources more seriously. Or will it be a magnetic connection which makes your pulse race? It could be either or both. If variety is the spice of life, you may want to freshen up your daily routines or interests. Equally, you may find yourself making a change around your work. This could see you pitching into a completely new sector or redeploying hard-won skills and experiences in a new way. The planet or fortune Jupiter joins you for a year from the 9th of June, and this can feed into a sense of excitement but also a desire for fresh experiences. If you’ve long thought of working for yourself, or you already do, your enthusiasm can prove infectious. This is also a year when you may consider a new vehicle. Technology has a major role to play with many of us these days, but it could also be a way which you can liberate yourself, so working from home can appeal. The year begins with the planet of desire, Mars, in your sign, and this is going to fire up considerable determination and willpower in you. Just be conscious that despite the best-laid plans, it might not be until March that things really start to build up momentum. You may find yourself wanting to complement your existing talents with new skills and knowledge, so any kind of course you do could prove to be crucial. The Solar Eclipse of late March can certainly give your enthusiasm a big push, and when Uranus moves into a sparkling location from the 7th of July, new and unexpected chances can just seem to fall for you. Jupiter’s arrival in your sector of deep revelations for a year in the early summer can also see you beginning a journey of personal and spiritual understanding. A guide, life coach or professional could give you great encouragement this year, but ultimately it’s what you take from them and deploy in your everyday life that’s going to be crucial. If you travel this year, it can be life-changing. You may visit somewhere that really grips your senses, but do make sure all the documentation is in order before you head off. It’s a really big year for you Virgo, because of the Lunar Nodes and the Eclipse series being your sign and your opposite sign of Pisces. A major focus will be relationships, but this can be with yourself as much as anyone else, and they don’t have to be romantic, they could be with friends, colleagues or family members as much as more intimate involvements. What you’re being asked to do is become more aware of any habitual patterns that you retreat into that stop you from growing. With the planet of limitations, Saturn, moving from the end of May to the end of August in the area associated with karma, there could be some powerful transformations. Brightly, Jupiter gives you support from early June to connect to people who will be good for you. The Solar Eclipse in your sign on the 21st of September makes you more single-minded about following your muse when it comes to personal interests and spheres where you can showcase your individual needs. The delicate balance between collaboration and self-realisation is this year’s overarching theme. As you enter 2025, you’re still surfing the tailwind of your last Solar Eclipse. And with Pluto the transformer now firmly entrenched for the long haul in the most charismatic part of your solar chart and Mars applying considerable thrust, it may seem that your social and romantic realms will hold most sway. And they can. But there will be a hiatus from the 6th of January through to the 18th of April, when your leadership qualities, professional demands and innate ambitions will need engaging with. In this sense you could surprise people with just how much willpower and authority you can manifest. The big lunation of late March and the move of Neptune followed by Saturn into your relating zone brings another powerful dynamic to life: your unwillingness to budge on the boundaries you’ve worked so hard to firm up. Good for you if so! After years of being a people-pleaser you’re becoming more aware of the need to fulfil your desires. But as first Jupiter and then the Cancer Solstice clash with this duo’s fiery new home, don’t be too intransigent. Stay with your love of fairness and justice too. Your two rulers clash as you surge into the new year. You may find yourself unexpectedly determined and perhaps a tad forceful as 2025’s new dawn emerges. Any politics could give you the push to break out and do something to burn off any frustration. Whether you head off for winter sun or snow, early January can be a fine time to shake things up. As the year unfolds you might find yourself looking to juggle your social interactions, friendships and sex life with the more practical demands which develop from the end of March onwards. Delightfully, the opportunity to travel to exotic or interesting destinations will be repeated from the 9th of June to the year’s end, and for a sign that can like a certain amount of familiarity to your life patterns, excitement pulses through your veins as new vistas beckon. If you’re single, a sizzling connection can occur, ironically in the most mundane of situations and places. But in any ongoing relationship, a fair balance of who does and contributes what to everyday chores will help to create greater domestic and harmonic bliss. Once more a year begins with chatty Mercury in your sign, but the great news is that this year it’s not in Retrograde. Also, it’s in a direct opposition to your ruler, Jupiter. This combination can bring a sense of lighter energy and possibility. Further, potent Mars stirs your love of change and variety, or does it? For soon enough Mars is asking you to think of a very deep bond, shared finances, business matters or what you would like to break down and transform in your life. As the year unfolds, the Aries Solar Eclipse can sure help you to create a greater sense of possibility. But whatever choices and directions you take, do be guided by your inner voice, Archer. For this is the lesson that Saturn has been asking of you over the last couple of years, and the Point of Destiny will guide you towards this year. If you’re unfulfilled in a close romantic relationship, you may have some big decisions to make. Again, be guided by your instincts. Any energetic space you do create could prime you in readiness to go for a major prize in the last four months of the year, one you can seize. Wherever your guide planet Saturn is located is a big deal for all of us, but an even bigger deal for Capricorns, and particularly so this year. Why? Well, for just over three months he makes an expeditionary journey into Aries. And for you, that’s the part of your situation to do with how you feel, where you live, your family life and emotional sphere. With Neptune entering this arena for nearly eight months, and a Solar Eclipse in March, it’s fair to say that where you live, with whom and how, is going to be part of this year’s story. But equally, how you express yourself, how you think about things, your belief systems, your level of knowledge and expertise are all at the heart of this celestial equation too. Now with Jupiter, the planet of fortune, lighting up your relationship sector from June, and Mars asserting himself in it from the 6th of January to the 18th of April, there could be a link. Essentially, relationships with those closest to you can be most gratifying or perhaps the most challenging. Yet if you do want to break out and be a free spirit, you’ll be able to do this in the last four months. Your two co-rulers, Saturn and Uranus, are right at the heart of the year 2025’s action Aquarius, but in a seriously positive way for your zodiac sign in particular. And with Pluto with you now for many years to come, this is a year when celestial cycles will start to turn in your direction. The action begins with assertive Mars helping you to establish your relationship needs loud and clear. If you’re solo but would like to meet someone this is significant. But so will the four months from the 7th of July onwards, as Uranus absolutely lights up the most exciting and riveting part of your solar chart. The Golden Triangle that this creates back to Saturn and Neptune in your 3rd House of expressive ideas, and Pluto in Aquarius, could see people finally start to be drawn to your magical and innovative ideas. But the exciting conversations you hold won’t be without a sense of purpose. Oh no, people will sense your gravitas and know that what you say is what you mean. True, shared finances, everyday income, business costs and investment will be areas that will require a juggle. The Point of Destiny enters your sign on the 11th of January. It hasn’t visited for just over eighteen years and can be seminal. This, and a series of Eclipses going between your sign and your sector of relating in Virgo, gives you some serious opportunities to find that fine balance between what you want from situations, what you’re prepared to give, and what other people require from you, but most of all work hard on your creative talents and individual flair. Saturn has possibly limited your energy in the last couple of years, and that can be a factor still now, but you could counter this by not scattering your energies too thinly. He suggests from the 27th of May to the end of August that you might take on a diet challenge or look to squeeze more from your resources, and you can! However, as Jupiter helps you to get more playful from the 9th of June, you may find yourself surprising loved ones and playing host over the four months from the 7th of July onwards. The Solar Eclipse in your relationship sector on the 21st of September can trigger some important connections in the last months of the year, be they professionally or personally.By Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. The economy steadily grew Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. Related Articles What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Savings accounts offered high rates and returns Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Credit card debt hit a high Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Small business boomed Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Home buying remained challenging Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. The markets were a boon for investors Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Premiums went up for home and auto insurance Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Lawsuits and uncertainty over student loan relief continued Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Traveling in style was all the rage Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Dynamic pricing expanded its reach Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. The car market came back for buyers Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Buy now, pay later grew in popularity Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Inflation eased, finally Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Rents were still high, but price growth slowed Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Trump won the election, promised tariffs and deportations Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Congress squabbled while consumer-first, antitrust efforts won Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .
Tusk’s party names Warsaw mayor as presidential candidate
Sean ‘Diddy’ Combs’ third bid to be released on bail won’t be decided until next weekQatar tribune dpa Warsaw Members of Polish Prime Minister Donald Tusk’s Civic Platform (PO) party have chosen Warsaw Mayor Rafat Trzaskowski as their candidate for the Polish presidential election in May 2025, Tusk announced on Saturday. The liberal-conservative party’s members voted 74.75% in favour of the 52-year-old Trzaskowski. Polish Foreign Minister Radostaw Sikorski finished a distant second in the primary election with 25.25% of the vote. “I have received a very strong mandate,” Trzaskowski said after his victory. Trzaskowski previously ran in the Polish presidential election in 2020, when he narrowly fell short of defeating Andrzej Duda in a run-off. On Saturday, he said the support of party members gives him energy, determination and courage to win the presidential election, where his main rival will be the candidate from the nationalist conservative Law and Justice (PiS) party. Sikorski offered his support for Trzaskowski following the announcement of the results: “You hit the bull’s eye with your idea of the primaries. We have mobilized our party with it.” The exact date of the presidential election has not yet been set. PiS plans to announce the choice of its candidate at a meeting in Kraków on Sunday. Incumbent Duda, a member of PiS, is term-limited after having served as the country’s president since 2015. The youthful-looking Trzaskowski has been the mayor of Warsaw since 2018. Before that, the political scientist, who studied at Oxford and speaks five foreign languages, was a member of the European Parliament. Copy 24/11/2024 10
( MENAFN - media OutReach Newswire) SUNNYVALE, USA & HONG KONG SAR - Media OutReach Newswire - 3 December 2024 - AlikeAudience, a company directly integrated with major demand side platforms and data marketplaces worldwide that provides premium omnichannel audience data to brands, has announced its victory in three categories at this year's Marketech APAC Marketing technology Awards. The gala awards night, held in Singapore on November 28, awarded AlikeAudience for Best Customer Data Platform, Best AI Marketing Solution, and Best Mobile Marketing Solution. "The AlikeAudience team is proud to be recognized by the Marketech APAC team, and the top panel of industry judges," said AlikeAudience Managing Director Jeremy Lo. "We believe the AdTech industry, particularly in the key area of data utilization, will increasingly rely on AI-powered, privacy-compliant solutions. AlikeAudience is at the forefront of this advancement, providing platform and tech-agnostic solutions to meet industry needs." AlikeAudience offers bespoke demographic, interest, and app data, and has more than seven thousand audience segments in the US and APAC across the key sectors of FMCG, automotive, e-commerce, entertainment, travel, and hospitality. The company assembles its audience data from a combination of location signals, app data, and demographic data and connects these data points with insights from market research to generate methodologies to deliver targetable segments for media activation. Lo also said marketers in Asia must adapt their strategies for first, second, and third party data to effectively navigate diverse market dynamics and regulations. "An innovative approach is essential to take advantage of technological advances," Lo said. "With strong US coverage, AlikeAudience can apply global insights while localizing strategies to meet APAC advertisers' data needs, helping future-proof their business." AlikeAudience was founded in Sunnyvale, California, in 2015, and operates in the US, Asia, and Australia. MENAFN02122024003551001712ID1108949084 Legal Disclaimer: MENAFN provides the information “as is” without warranty of any kind. We do not accept any responsibility or liability for the accuracy, content, images, videos, licenses, completeness, legality, or reliability of the information contained in this article. If you have any complaints or copyright issues related to this article, kindly contact the provider above.By Anna Helhoski, NerdWallet The battle to get here was certainly an uphill one, but people are generally feeling better about the economy and their finances than they once did. On top of that, the economy has been easing into an ideal, Goldilocks-like position — not running too hot or cooling too quickly. Throughout 2024, consumer sentiment data showed people were fairly positive about the economy and their own finances, even if there’s remaining frustration over elevated prices compared to four years ago. Looking ahead, households are feeling more optimistic about their personal finances in the next year, as the share of those expecting to be in a better financial situation a year from now hit its highest level since February 2020. Combine positive personal vibes with a strong economic picture and it looks like 2024 wasn’t so bad for consumers, after all. But that doesn’t mean there weren’t bumps in the road or potential roadblocks ahead. To cap off the year, NerdWallet writers reflect on the top trends in personal finance and the economy this year — and what they think might be ahead in 2025. Elizabeth Renter, NerdWallet’s economist What happened: In 2024, U.S. consumers have proven resilient following a period of high inflation and ongoing high interest rates. Wage growth has been strong, owing in part to rising productivity. This has driven robust spending throughout the year, which has kept the economy growing at a healthy pace. The labor market has remained steady, though cooler than 2023, and price growth continues to moderate towards the Federal Reserve’s 2% inflation goal. What’s ahead: Barring significant changes to economic policy and significant shocks, the U.S. economy is expected to grow at a moderate rate in the coming year. Inflation will continue to moderate and the labor market will remain relatively healthy, all due in part to continued slow and deliberate rate cuts from the Fed. However, there are risks to this path. Higher tariffs and tighter immigration policies are likely, but the extent of these changes are yet unclear. The potential policy scenarios are many, and the economic outcomes complex. Increased tariffs are generally inflationary, and stricter immigration policies could impact the labor supply and economic growth. Consumers and small business owners with their eyes to the new year should focus on the things within their control. Margarette Burnette, consumer banking and savings writer What happened: High-yield savings accounts and certificates of deposit offered elevated rates in 2024, rewarding savers with strong returns. Following the Federal Reserve rate cuts in the second half of the year, high-yield accounts had modest rate decreases, but they continued to outperform traditional savings accounts and CDs. What’s ahead: We’re watching for further Federal Reserve rate cuts, which could lead to more decreases in savings rates. Sara Rathner, credit cards writer What happened: Credit card debt levels hit record highs, with consumers turning to credit cards to pay for necessities. While the economy is doing well, many individuals have struggled to make ends meet, as incomes haven’t kept up with certain costs. What’s ahead: We may see some policy and regulation changes with the incoming administration that could affect folks when it comes to credit cards, debt and consumer protections. Ryan Brady, small business writer What happened : New businesses continued to blossom in 2024 as business applications remained well above pre-pandemic levels. Confidence in the future state of the U.S. economy also spiked after the presidential election, but that optimism was tempered by concerns over rising costs and labor quality. What’s ahead: All eyes are on the incoming administration as small-business owners brace for turbulence resulting from potential tariffs, tax policy changes and dismantled government regulations. We’re also watching the possibility of interest rate cuts in 2025 and small-business owners’ growing reliance on new technologies, such as AI. Holden Lewis, mortgages writer What happened: Home buyers struggled with elevated mortgage rates, rising house prices and a shortage of homes for sale. On top of that, a new rule required buyers to negotiate their agents’ commissions. What’s ahead: The Federal Reserve is expected to cut short-term interest rates, but mortgage rates might not necessarily fall by a similar amount. Buyers will probably have more properties to choose from, and the greater supply should keep prices from rising a lot. Interest rates on home equity loans and lines of credit should fall, making it less expensive to borrow to fix up homes — either to sell, or to make the home more comfortable and efficient. Sam Taube, investing writer What happened: The stock market had a great year. The S&P 500 is up more than 25% due to falling interest rates, fading recession fears, AI hype, and the possibility of lighter taxes and regulations under the new administration. Cryptocurrency also saw big gains in 2024; the price of Bitcoin crossed the $100,000 mark for the first time in December. What’s ahead: A lot depends on how fast the Fed reduces rates in 2025. Another key unknown is Trump’s second term. Regulatory rollbacks, such as those he has proposed for the banking industry, could juice stock prices — but they also could create systemic risks in the economy. His proposed tariffs could also hurt economic growth (and therefore stock prices). Finally, it remains to be seen whether trendy AI stocks, such as NVIDIA, can continue their momentum into next year. It’s the same story with crypto: How long will this bull market last? Caitlin Constantine, assistant assigning editor, insurance What happened: Many people saw their home and auto insurance premiums skyrocket in 2024. In some states, homeowners are finding it harder to even find policies in the first place. Meanwhile, life insurance rates have started to decrease post-pandemic. We also saw more insurers offering online-only policies that don’t require a medical exam. What’s ahead: Auto and home insurance costs will likely continue to rise, although auto premiums may not rise as dramatically as they have over the past few years. And if you’re in the market for life insurance, expect to see competitive life insurance quotes and more customizable policies. Eliza Haverstock, student loans writer What happened: Borrowers received historic student loan relief, but lawsuits derailed an income-driven repayment plan used by 8 million whose payments are indefinitely paused. Uncertainty will carry into 2025 as a result of the presidential administration change. What’s ahead: Trump has pledged to overhaul higher education and rein in student loan relief. The fate of the SAVE repayment plan, student loan forgiveness options, FAFSA processing and more remain in the balance. Meghan Coyle, assistant assigning editor, travel What happened: People are willing to pay more for big and small luxuries while traveling, and airlines and hotels are taking note. Many airlines raised checked bag fees early in 2024, credit card issuers and airlines invested in renovated airport lounges, and major hotel companies continued to add luxury properties and brands to their loyalty programs. What’s ahead: Southwest will say goodbye to its open seating policy and introduce new extra-legroom seats, a major departure for the airline. Alaska Airlines and Hawaiian Airlines will unveil a unified loyalty program in 2025. Spirit Airlines may attempt to merge with another airline again after its 2024 bankruptcy filing and two failed mergers under President Biden’s administration. Travelers will find that they’ll have to pay a premium to enjoy most of the upgrades airlines and hotels are making. Laura McMullen, assistant assigning editor, personal finance What happened: This year, dynamic pricing expanded beyond concerts and travel to online retailers and even fast-food restaurants. This practice of prices changing based on real-time supply and demand received plenty of backlash from consumers and prompted the Federal Trade Commission to investigate how companies use consumers’ data to set prices. What’s ahead: Beyond an expansion of dynamic pricing — perhaps with added oversight — expect subscription models to become more prevalent and demand for sustainable products to grow. Shannon Bradley, autos writer What happened: New-car prices held steady in 2024 but remained high after a few years of sharp increases — the average new car now sells for about $48,000, and for the first time ever the price gap between new and used cars surpassed $20,000 (average used-car prices are now slightly more than $25,000). Overall, the car market returned to being in the buyer’s favor, as new-car inventories reached pre-pandemic levels, manufacturer incentives began making a comeback and auto loan interest rates started to decline. What’s ahead: The future of the car market is uncertain and depends on policies implemented by the incoming administration. Questions surround the impact of possible tariffs on car prices, whether auto loan rates will continue to drop, and if federal tax credits will still be available for electric vehicle buyers. Jackie Veling, personal loans writer What happened: Buy now, pay later continued to be a popular payment choice for U.S. shoppers, even while facing headwinds, like an interpretive ruling from the CFPB (which determined BNPL should be regulated the same as credit cards) and Apple’s discontinuation of its popular Apple Pay Later product. Large players like Affirm, Klarna and Afterpay continued to offer interest-free, pay-in-four plans at most major retailers, along with long-term plans for larger purchases. What’s ahead: Though more regulation had been widely anticipated in 2025, the change in administration suggests the CFPB will play a less active role in regulating BNPL products. For this reason, and its continued strength in the market, BNPL will likely keep growing. Taryn Phaneuf, news writer What happened: Easing inflation was a bright spot in 2024. In June, the consumer price index fell below 3% for the first time in three years. Consumers saw prices level off or decline for many goods, including for groceries, gas and new and used vehicles. But prices haven’t fallen far enough or broadly enough to relieve the pinch many households feel. What’s ahead: The new and higher tariffs proposed by the Trump administration could reignite inflation on a wide range of goods. Taryn Phaneuf, news writer What happened: Rent prices remain high, but annual rent inflation slowed significantly compared to recent years, staying around 3.5% for much of 2024, according to Zillow, a real estate website that tracks rents. A wave of newly constructed rental units on the market seems to be helping ease competition among renters and forcing landlords to offer better incentives for signing a lease. What’s ahead: If it continues, a softening rental market could work in renters’ favor. But construction is one of several industries that could see a shortage of workers if the Trump administration follows through on its promise to deport undocumented immigrants. A shortage of workers would mean fewer houses and apartments could be built. Anna Helhoski, news writer What happened: After a contentious presidential campaign, former President Donald Trump declared victory over Vice President Kamala Harris. While on the campaign trail, Trump promised to lower inflation, cut taxes, enact tariffs, weaken the power of the Federal Reserve, deport undocumented immigrants and more. Many economists have said Trump’s proposals, if enacted, would likely be inflationary. In Congress, Republicans earned enough seats to control both houses. What’s ahead: It’s unclear which campaign promises Trump will fulfill on his own and with the support of the new Congress. He has promised a slew of “day one” actions that could lead to higher prices, including across-the-board tariffs and mass deportations. Most recently, Trump pledged to enact 20% tariffs on Canada and Mexico, as well as an additional 10% tariff on China. He has also promised to extend or make permanent the 2017 Tax Cuts and Jobs Act; many of its provisions expire by the end of 2025. Anna Helhoski, news writer What happened: Fiscal year 2023-2024’s funding saga finally came to an end in March, then six months later, the battle to fund the fiscal year 2024-2025 began. The Biden Administration waged its own war against junk fees . Antitrust enforcers pushed back against tech giants like Amazon, Apple, Google, and Meta; prevented the Kroger-Albertsons merger; nixed the Jet Blue-Spirit Airlines merger; and moved to ban noncompete agreements. The Supreme Court rejected a challenge to the constitutionality of the Consumer Financial Protection Bureau, as well as a challenge to abortion pill access. SCOTUS also overruled its landmark Chevron case, which means every federal regulatory agency’s power to set and enforce its own rules are now weaker. What’s ahead: The election’s red sweep means the GOP will control the executive and legislative branches of government. They’ll face the threat of at least one more potential government shutdown; a debt ceiling drama comeback; and the beginning of the debate over extending or making permanent provisions of the expiring 2017 Tax Cuts and Jobs Act. More From NerdWallet Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .
WASHINGTON - U.S. Defense Secretary Lloyd Austin no longer plans to travel to South Korea, two U.S. officials told Reuters on Thursday, following South Korean President Yoon Suk Yeol's botched attempt this week to impose martial law. One official, speaking on condition of anonymity, said planning had been underway for a trip in the near term but it was determined now was not the appropriate time. The official said South Korea had been consulted regarding the change in travel plans. Austin will leave office by Jan. 20, when President-elect Donald Trump is inaugurated. Yoon's declaration of martial law late on Tuesday sought to consolidate power, ban political activity and censor the media. It sparked outrage in the streets and concern among South Korea's international allies. South Korea's defense minister, who recommended the move, has resigned. Fighting for his political future, Yoon accepted the resignation of Defense Minister Kim Yong-hyun on Thursday and nominated his ambassador to Saudi Arabia, Choi Byung-hyuk, as a replacement. Kim had recommended Yoon declare martial law on Tuesday, according to the interior minister, a senior military official and the opposition's filing to impeach Yoon. The United States has 28,500 troops stationed in South Korea as a legacy of the 1950-1953 Korean War. The commander of U.S. Forces-Korea, General Paul LaCamera, warned American troops in a statement on Wednesday to stay vigilant, avoid areas with protests, and tell superiors of travel plans in case "something unexpected" happens. Austin's trip to South Korea would have come at an important geopolitical moment in the region. U.S. and South Korean officials say more than 10,000 North Korean troops have been deployed to Russia's Kursk region to take part in pushing back Ukrainian forces. North Korean leader Kim Jong Un met Russia's defense minister last month and pledged to expand ties with Moscow in all areas, including military affairs, under the comprehensive strategic partnership he signed with Russian President Vladimir Putin in June, which includes a mutual defense agreement, North Korean state media said. Moscow and Pyongyang have dramatically advanced ties since their leaders held a summit in September last year in Russia, and the North has since shipped more than 10,000 containers of ammunition, as well as self-propelled howitzers and multiple rocket launchers, according to South Korea's spy agency. — ReutersBudget 2025-26: CII calls for cut in excise duty on fuel, consumption vouchers to stir demandPride, bragging rights and more than $115M at stake when final college playoff rankings come out
Louisiana Gov. Jeff Landry signs income and corporate tax cuts passed by GOP-dominated legislatureNoneSome Atlantic City casino workers call on union boss to resign for opposing a smoking ban
Tuesday, December 3, 2024 Japan, like Spain, Italy, Indonesia, Thailand, and Greece, has become a hotspot for mass tourism due to its rich cultural heritage, stunning landscapes, world-class infrastructure, and global appeal as a unique travel destination. Several factors contribute to this surge in tourism. First, Japan’s iconic attractions such as Mount Fuji, Kyoto’s ancient temples, Tokyo’s bustling cityscapes, and the cherry blossom season draw millions of visitors annually. Its successful branding as a harmonious blend of traditional culture and modern innovation has captivated international tourists, making it a bucket-list destination. Second, the rise of social media and travel influencers has spotlighted Japan’s beauty, inspiring more travelers to visit. Destinations like Arashiyama Bamboo Grove and Fushimi Inari Shrine frequently appear in viral content, contributing to over-tourism as crowds flock to these picturesque sites. Third, accessibility plays a crucial role. Japan boasts an excellent transportation network, including bullet trains and international flights, making travel seamless for both domestic and foreign visitors. Its visa policies, including visa-free travel for several countries, have also facilitated easier entry for tourists. Lastly, Japan’s hosting of global events, such as the Tokyo 2020 Olympics and the upcoming Osaka 2025 Expo, has significantly boosted its visibility on the international stage. These events attract millions of visitors, but they also strain infrastructure and lead to overcrowding at popular sites. Like Spain, Italy, and others, Japan faces challenges in balancing mass tourism with sustainable practices, necessitating strategic solutions to preserve its cultural and natural treasures while accommodating global travelers. Japan ’s tourism industry has experienced a significant resurgence in 2024 as the world reopens after the pandemic, but the return of foreign visitors has also reignited concerns over overtourism. According to a recent survey by the Development Bank of Japan and the Japan Travel Bureau Foundation, over 30% of foreign tourists reported overtourism-related issues during their trips. At the same time, the survey reveals a growing awareness of sustainable tourism among visitors, with more than 60% expressing willingness to pay higher charges to ease congestion and protect natural and cultural resources. The survey, conducted in July 2024 among 7,796 foreign travelers aged 20 to 79 from Asia, Britain, France, the United States, and Australia, sheds light on pressing challenges and opportunities in Japan’s tourism landscape. The primary concern for visitors was overcrowding at popular tourist destinations, cited by 32% of respondents. This figure is a slight increase from the 30% reported in a similar survey conducted in 2019 before the COVID-19 pandemic. Bad manners, such as littering and entering restricted areas, emerged as the second-most common issue reported by visitors. These behaviors not only disrupt the experience for other tourists but also pose risks to the preservation of Japan’s cultural and natural heritage. Interestingly, the survey also highlighted a shift in visitor attitudes toward sustainable tourism practices. A significant 63% of respondents said they would be willing to accept higher charges at tourist destinations and other facilities if these measures would help reduce congestion and safeguard Japan’s cultural and natural assets. This marks a notable increase from 43% in 2019, signaling growing awareness and support for sustainable tourism practices. Also Read: C hina’s New Trial Visa-Free Policy for Japan Sparks Increased Demand for Business and Family Travel While Japan’s urban centers like Tokyo, Kyoto, and Osaka remain magnets for international travelers, the survey revealed strong interest in rural tourism. An overwhelming 97% of respondents who have visited or plan to visit Japan expressed a desire to explore the country’s regional areas. However, less than 10% of these travelers have actually ventured into Japan’s rural landscapes. This gap between interest and actual visits underscores the untapped potential of rural tourism in Japan. Expanding tourism into regional areas could alleviate the pressure on overcrowded urban destinations while offering visitors unique experiences, such as traditional crafts, local cuisine, and scenic natural beauty. Promoting rural tourism could also contribute to regional revitalization by creating jobs and supporting local economies. The survey also pointed to the upcoming 2025 World Expo in Osaka as a major draw for international travelers. Among respondents planning trips to Japan, 72% expressed interest in attending the expo, and for 42% of these travelers, the event is the main reason for their visit. The Osaka Expo is expected to attract millions of visitors and serve as a platform for showcasing Japan’s innovation, culture, and hospitality. However, managing the influx of tourists while ensuring a positive experience for both visitors and locals will be critical. Organizers and tourism authorities must prioritize sustainable practices, including crowd control measures, efficient transportation systems, and eco-friendly initiatives, to make the event a success. Also Read: Dominican Republic tourism industry is surging with visa free travel for 107 countries including Brazil. Japan, UK, US, Thailand and Germany Japan’s tourism industry is at a crossroads, with overtourism presenting both challenges and opportunities. The willingness of international visitors to pay higher charges for sustainable tourism measures offers a path forward. By implementing strategies to reduce overcrowding, protect cultural landmarks, and promote rural tourism, Japan can strike a balance between welcoming visitors and preserving its heritage. One potential solution is the introduction of destination-specific fees, such as entrance charges for popular landmarks or city-wide tourism taxes. These funds could be reinvested in infrastructure, preservation efforts, and marketing campaigns to promote lesser-known destinations. Additionally, digital tools like visitor management apps and real-time crowd monitoring systems could help distribute tourist traffic more evenly across regions. Expanding access to rural areas is another critical component of sustainable tourism in Japan. Investments in transportation networks, such as regional train routes and bus services, can make rural destinations more accessible. Collaborations with local communities to develop authentic experiences, from farm stays to cultural workshops, can also attract visitors while preserving traditional lifestyles. Also Read: Japan’s Overtourism Strain 30% of International Arrivals Experiencing Congestion this festive season Technology will play an essential role in managing the resurgence of tourism in Japan. From AI-powered translation apps to digital ticketing systems, technological solutions can enhance the visitor experience while addressing issues like overcrowding. Virtual tours and augmented reality experiences could also offer alternatives for exploring Japan’s iconic destinations without contributing to congestion. Additionally, data analytics can provide valuable insights into visitor behaviors and preferences, enabling tourism authorities to tailor their strategies. By leveraging these tools, Japan can create a more personalized and sustainable tourism experience that meets the expectations of modern travelers. As Japan prepares for the influx of visitors in 2025 and beyond, the focus must remain on balancing growth with sustainability. The survey results indicate that travelers are not only aware of the challenges posed by overtourism but are also willing to contribute to solutions. This shift in mindset represents an opportunity for Japan to lead by example in sustainable tourism practices. Also Read: Japan Faces Overtourism Challenges: New Survey Highlights Traveller Preferences and Interest in Rural Areas Ahead of 2025 World Expo in Osaka The success of Japan’s tourism industry will depend on collaboration among stakeholders, including government agencies, local communities, and private businesses. By prioritizing sustainability, innovation, and regional development, Japan can ensure a thriving tourism sector that benefits both visitors and residents. Read Travel Industry News in 104 different regional platforms . To know more about Asia Travel Industry, click here: Asia Get our daily dose of news, by subscribing to our newsletters. Subscribe here . Watch Travel And Tour World Interviews here . Read more Travel News , Daily Travel Alert , and Travel Industry News on Travel And Tour World only.