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'We'll take it:' 2 Windsor-Essex business owners welcome tax holiday that starts SaturdaySOUTH BEND, Ind. — Notre Dame’s defense set a dominating tone early in its College Football Playoff opener against Indiana. The Fighting Irish stuffed the highest-scoring team in the CFP field for a 14-3 halftime lead, but then Notre Dame suffered a gut punch. Defensive lineman Rylie Mills sacked Indiana quarterback Kurtis Rourke on the first play of the second half and had to be helped off the field with a knee injury. Heading into its CFP quarterfinal game against second-seeded Georgia, the Fighting Irish are determined to make sure the setback doesn’t turn into a letdown. The Fighting Irish (12-1) finished with a 27-17 victory against Indiana, giving up two touchdowns in the final two minutes after building a 27-3 lead. Now Notre Dame has to replace Mills, its sack leader this season, for the game against Georgia (11-2). Kickoff for the Sugar Bowl is scheduled for Wednesday at the Superdome in New Orleans. “So we feel badly for (Mills), but at the same time ... we just don’t flinch,” Notre Dame defensive coordinator Al Golden said. “We move forward. It’s time for somebody else to have an opportunity, and I know they’ll be ready.” After a shocking 16-14 loss to Northern Illinois in the second game of the season, Notre Dame’s defense led the charge for an 11-game winning streak that lifted the Fighting Irish when the offense struggled to find its footing. And the defense has done it while being forced to replace a series of key players. Mills was a force on Notre Dame’s defense, which is ranked first in the nation in team passing efficiency defense (96.94), first in turnovers gained (29), first in defensive touchdowns (6) and third in scoring defense (13.8). Notre Dame’s defense punished opponents this season despite losing four starters to season-ending injuries: linemen Mills, Jordan Botelho and Boubacar Traore (all knee injuries) and cornerback Benjamin Morrison (hip). Freshman linebacker Kyngstonn Viliamu-Asa (knee injury) hasn’t played since he was hurt in the Army game. Jason Onye, a defensive tackle, hasn’t played since the fifth game because of a personal issue. Seventh-seeded Notre Dame needs the defense to come up big again against powerful Georgia and a quarterback it knows little about. Notre Dame head coach Marcus Freeman is counting on Gabe Rubio and Donovan Hinish to step up and take turns filling in for Mills. “You don’t prepare them in a week,” Freeman said of players stepping up to replace starters. “They’ve been preparing every single day all season long. “That’s why every rep you do in a practice matters and is evaluated You don’t know when that rep is going to be thrust against Georgia. You have to prepare in a way in practice that you’re improving, but you’re ready if your number is called.” Howard Cross III, a defensive lineman who has teamed up with Mills to be the leaders of an imposing defensive front, had just returned to the Fighting Irish lineup for the playoffs after missing three games with an ankle injury. “It was heartbreaking,” Cross said of seeing Mills go down. Cross said it’s been an unusual season with the injuries, but facing a 14th game, everybody is dealing with pain. “The whole thing is no one’s healthy, no matter what position you are, no matter what you’re doing,” Cross said. “Your hamstring could be sore, like somebody’s hurt in some way, shape or form. Some worse than others. “It is kind of a testament to the mental toughness of this team. The whole thing for us is like, God forbid you go down, the next guy up has to know exactly what they’re doing. We are expecting the next guy up to have the same or better production than the guy that’s starting right now.” Notre Dame’s defense faces the challenge of replacing Mills and getting ready for a Georgia offense led by Gunner Stockton, who replaces injured starter Carson Beck. “You evaluate, obviously, schematically, what they’ve done all season,” Freeman said of preparing a different look from the Bulldogs. “Then you have a separate tape of what Stockton, the new quarterback, has done. I think we have 80-something plays of him playing quarterback. He can run their offense. He does some things a little bit differently. He can extend plays with his legs. He’s a good athlete. “The thing I probably notice more than anything, in watching those 80 plays, is he’s an ultra-competitive individual. You can just tell by the way he celebrates, by the way he goes and finishes plays. He’s a competitor. I don’t see it being tremendously different than what they’ve done all season, but we’ll prepare for anything.” Georgia coach Kirby Smart doesn’t anticipate a diminished Notre Dame defense despite the personnel issues. “They play great defense and great pass rush,” Smart said. “They’re physical up front. They affect the pass rush with how hard they play, and they got really good defensive backs. They play man-to-man. They get up on you, put their hands on you.”None
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Iowa 72, Washington St. 43Juventus 2 (Vlahovic 53, McKennie 75) Manchester City 0 The Pep Guardiola crisis lurched on in Turin last night with an emphatic defeat that severely dents Manchester City’s hopes of finishing in the top eight of the Champions League group stage. Goals from Dusan Vlahovic and Weston McKennie left the fallen - and still falling - English champions on a run of just one win in their last 10 league and cup games, having conceded 23 goals in the process. Remaining games in Europe, against PSG and Club Brugge, await Guardiola and City in the new year but the prospect of an additional qualifying round - something they will face if they miss out on the top eight - is not what they need. Nor is the potential banana skin of Sunday’s Manchester derby where the two struggling giants face off at the Etihad. Not that Juve are in perfect form and, if evidence was needed as to how these two giants of the modern European game are currently going through a crisis of confidence, then the first half was exhibit A. The pair started the night on a disappointing eight points and the prospect of losing a further three was obviously something that Guardiola and opposite number Thiago Motta did not want to risk. The “action” that followed in the opening 45 minutes amounted to one shot apiece, the young Turkish star Kenan Yildiz cutting in from his left wing on 19 minutes and sending a pacy shot flying just wide. Not until the 39th minute, did City seriously threaten when Kevin De Bruyne finally found the space to play through one of his trademark, defence-splitting passes for Erling Haaland to chase. Unfortunately, for City and any neutrals, keeper Michele Di Gregorio stuck up an arm as he advanced to make an impressive save. And that was it, for the first half at least, as a Juventus team that has struggled for goals and wins - although draws have been easy to come by - resorted to type. Such struggles, of course, pale in comparison to those currently being endured by Guardiola who has only beaten Nottingham Forest since the end of October and there seemed more urgency about City’s play after the restart, with a concerted effort to get De Bruyne on the ball more. Instead, disaster struck for the Premier League side on 53 minutes. Ederson, recalled in favour of Stefan Ortega by Guardiola for the night, actually did well to block a superb volleyed strike by Federico Gatti. But as City failed to deal with the loose ball Yildiz delivered a far-post cross and Vlahovic rose, somehow beating both Josko Gvardiol and Rico Lewis to the ball and headed goalwards from close-range. The ball actually struck Ederson in the chest, although the Juventus striker was so close to the City keeper that he could not have been expected to make anything like a save. And although Ederson tried to scramble the ball away, it looked as though it had clearly crossed the line, with the technology quickly confirming that was the case. There was a decent response from City to going behind, with the tempo raised and wingers Bernardo Silva and Jeremy Doku trying to make an impression. On 63 minutes, for example, De Bruyne slipped in the overlapping Doku whose low cross flew through the Juve six-yard area without a City player being on the end of it. At least, it was a huge improvement on the previous hour. And soon after, it was Ilkay Gundohan’s turn to threaten, steering a superb right foot shot towards the top corner where Di Gregorio stretched to turn the ball over his goal. A goal was coming. But, such is City’s bad luck, bad form and bad defence against the counter-attack, that it was inevitably scored by the Italians on 74 minutes. McKennie, unimpressive on his loan spell with Leeds two seasons ago, started the break with a stunning long ball for fellow American, and fellow sub, Tim Weah to chase. His cross was poor but bounced back off Lewis and, given the second chance, he picked out the unmarked McKennie who scored with a brilliant volley from 10 yards. Juventus (4-2-3-1): D i Gregorio 7; Savona 6, Gatti 8, Kalulu 6, Danilo 6; Locatelli 7, Thuram 7 (McKennie 69, 7); Conceicao 7 (Weah 69, 7), Koopmeiners 6, Yildiz 9 (Mbangula 84); Vlahovic 7 (Luiz 85). Substitutes (not used) Adzic, Fagioli, Perin, Pinsoglio, Rouhi. Man City (4-2-3-1): Ederson 5; Walker 6, Dias 6, Gvardiol 5, Lewis 5; Gundogan 6, Grealish 5 (Nunes 87); Silva 6, De Bruyne 7, Doku 7 (Savinho 79, 5); Haaland 5. Substitutes (not used) Foden, Hudson, Wilson-Esbrand, Kovacic, McAtee, O’Reilly, Ortega, Simpson-Pusey, Wright. Referee: C Turpin (France) 7FBI director says he intends to resign at end of Joe Biden’s term
Question of self-confidence for India: Excerpts from Manmohan’s 1992 speechBy 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. Related Articles Business | 7 tips to prepare for next year’s taxes now Business | Why car insurance prices are rising so much even though inflation is cooling Business | Buying a house in 2025: your how-to guide Business | Travel scams that can hurt your credit or finances Business | For some FSA dollars, it’s use it or lose it at year’s end “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.” 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 .
Customers of UK energy firms who drive electric vehicles are facing higher electricity costs to recharge their cars . This follows the latest rise in the energy price cap by the regulator Ofgem. Marc Dal Cin, energy expert at EV Charger Installation, has told Digital Journal that charging an electric vehicle at home increases the home electricity bill, since the overall energy consumption goes up. The average UK energy tariff is around 32p per kWh for home charging. A full charge for a popular model like the Nissan Leaf 3.ZERO e+ will cost approximately £17, while a larger vehicle such as the Mercedes-Benz EQE will cost £24.50. Over the course of a year, this could add up to around £884 for weekly charges, following the energy price cap increase. Cin advises that charging at home is remains more economical than using public charging stations, which average 48p per kWh. Cin offers several tips for EV drivers looking to reduce their charging costs: Switch to a Time-of-Use Tariff Cin explains: “Many energy providers offer tariffs with cheaper rates during off-peak hours, usually at night. By scheduling your EV charging during these hours, you can significantly lower your costs.” Use Smart Charging Cin states: “Investing in a smart charger allows you to set charging times and optimise energy use. This helps avoid peak energy prices, and some systems even adapt to use renewable energy when it’s most available.” Monitor Your Charging Habits Cin adds: “Only charge your EV when necessary and avoid overcharging the battery. Charging too frequently or unnecessarily can lead to higher electricity bills.” Compare Energy Tariffs Cin outlines: “Regularly review your energy provider and compare tariffs to ensure you’re on the best deal. With prices fluctuating, switching providers can lead to significant savings.” By following these steps, Cin expects electric vehicle drivers to be able to mitigate the impact of rising electricity prices and ensure they continue to enjoy the savings associated with driving electric vehicles. Dr. Tim Sandle is Digital Journal's Editor-at-Large for science news.Tim specializes in science, technology, environmental, business, and health journalism. He is additionally a practising microbiologist; and an author. He is also interested in history, politics and current affairs.Kanye West Blows Off Donda Academy Lawsuit, Companies ‘Default’