Ekiti State Governor, Mr Biodun Oyebanji has assured People Living with Disabilities (PWD) in the state that his administration does not see them as burdens to society but as responsible and determined people who can reshape the narratives in their respective communities. The Governor also supported the PWDs with over 200 assisting devices, including wheelchairs, and white canes, among others as they marked the 2024 International Day of People Living with Disabilities at the Jibowu Hall, Government House Ground, Ado Ekiti on Tuesday. Speaking at the event, Governor Oyebanji said the action, attitude, and determination of the PWDs are potent tools, hence the need for them to embrace the responsibility of being active participants in community development. Represented by the Secretary to the State Government, Dr Habibat Adubiaro, at the event, Governor Oyebanji said his administration remained strongly committed to promoting acceptance and support among all citizens. He urged the PWDs to lead by demonstrating the change they would like to see in their communities. The Governor challenged them to relentlessly pursue their dreams and aspirations and contribute meaningfully to the development of society. While assuring them that his administration would continue to be intentional about implementing policies and programmes that promote inclusion, acceptability, and opportunities for everyone, the Governor urged them to challenge stereotypes, break barriers, advocate for their rights, and seek collaboration with others in the community to foster love, acceptance, and an understanding that diversity strengthens society. “it is an honour to stand before you today as we celebrate the International Day of People with Disabilities. This year’s theme, “Amplifying the Leadership of Persons with Disabilities for an Inclusive and Sustainable Future,” resonates deeply with our vision for Ekiti State. In this vision, everyone, regardless of their abilities, can contribute to our society and thrive. “As your government, we are committed to creating an environment that values and supports you. We are intentional about implementing policies that promote inclusion, accessibility, and opportunities for everyone. “I urge you to strive to be active participants in community building. You are not burdened; you are assets. By engaging proactively, you enhance your own lives and enrich the lives of those around you. “Your voices matter, and your actions can transform perceptions. You have the power to challenge stereotypes and break down barriers. Every time you showcase your skills, intelligence, and resilience, you shape how others see you and, by extension, all people with disabilities”. The Governor asserted Earlier in her opening remarks, the Special Adviser to the Governor on Special Education and Social Inclusion, Mrs Adetoun Agboola, expressed her deep appreciation to the Governor for his commitment to supporting the PWD community by creating inclusive environments which have brought about the implementation of various programmes aimed at enhancing accessibility. Highlighting the government’s significant contribution to the PWD community, Mrs Agboola noted that the administration has established inclusive environments, facilitated skills training, and introduced programs to enhance accessibility and promote equal opportunities for PWDs. She added that the state government’s positive attitude to the welfare and well-being of the PWDs as well as the huge investment in their education and human capital development have impacted positively on the PWD community in the state. The Chairman of the Joint National Association of Persons with Disabilities (JONAPWD) in the State, Mr Sesan Aina, commended the Governor for creating an enabling environment for PWDs and also highlighted various welfare initiatives provided by the state government to improve the lives of persons with disabilities. He highlighted various interventions of the government, including scholarship payments for Persons with Disabilities in higher institutions, payment of WAEC and NECO registration fees for students with Disabilities, renovation of special schools, transforming them into model institutions, provision of modern infrastructure for special schools and the Office of Disabilities Affairs, recruitment of additional teaching and non-teaching staff in special schools, the establishment of a therapy centre for children with disabilities, among others. Highlights of the colourful event include drama sketches, cultural dance, and diverse presentations by students of the three Special Schools in the state and various PWD clusters. Also, awards were presented to members of the public who are supportive of the PWDs community as well as the best teachers and administrators in the special schools. Present at the event were members of the state executive council, top government functionaries, traditional rulers, council chairmen and the general public.South Korea is at the center of a political storm as President Yoon Suk Yeol confronts a pivotal second impeachment vote scheduled for Saturday. His controversial attempt to impose martial law on December 3 triggered a national constitutional crisis, dividing his People Power Party and casting doubt over his continuation in office. Yoon's brief initiative to enforce military rule was rebuffed by parliamentary opposition, causing widespread demand for his resignation. With the legislative opposition already controlling the majority, including 192 out of 300 seats, the impeachment vote looms large. The parliamentary session, slated for 4 p.m. (0700 GMT), is expected to be preceded by mass demonstrations. If impeached, Yoon will retain his title but relinquish authority until the Constitutional Court reaches a decision on his removal or reinstatement. However, economic and diplomatic concerns underpin the urgency for resolution as financial markets teeter, reflecting South Korea's disrupted political landscape. (With inputs from agencies.)
Walmart says it’ll investigate after shopper claims using membership service doesn’t ‘save money’ from delivery debacle
By BARBARA ORTUTAY, AP Technology Writer Nearly half of American teenagers say they are online “constantly” despite concerns about the effects of social media and smartphones on their mental health, according to a new report published Thursday by the Pew Research Center. As in past years, YouTube was the single most popular platform teenagers used — 90% said they watched videos on the site, down slightly from 95% in 2022. Nearly three-quarters said they visit YouTube every day. There was a slight downward trend in several popular apps teens used. For instance, 63% of teens said they used TikTok, down from 67% and Snapchat slipped to 55% from 59%. This small decline could be due to pandemic-era restrictions easing up and kids having more time to see friends in person, but it’s not enough to be truly meaningful . X saw the biggest decline among teenage users. Only 17% of teenagers said they use X, down from 23% in 2022, the year Elon Musk bought the platform. Reddit held steady at 14%. About 6% of teenagers said they use Threads, Meta’s answer to X that launched in 2023. The report comes as countries around the world are grappling with how to handle the effects of social media on young people’s well-being. Australia recently passed a law banning kids under 16 from social networks, though it’s unclear how it will be able to enforce the age limit — and whether it will come with unintended consequences such as isolating vulnerable kids from their peers. Meta’s messaging service WhatsApp was a rare exception in that it saw the number of teenage users increase, to 23% from 17% in 2022. Pew also asked kids how often they use various online platforms. Small but significant numbers said they are on them “almost constantly.” For YouTube, 15% reported constant use, for TikTok, 16% and for Snapchat, 13%. As in previous surveys, girls were more likely to use TikTok almost constantly while boys gravitated to YouTube. There was no meaningful gender difference in the use of Snapchat, Instagram and Facebook. Roughly a quarter of Black and Hispanic teens said they visit TikTok almost constantly, compared with just 8% of white teenagers. The report was based on a survey of 1,391 U.S. teens ages 13 to 17 conducted from Sept. 18 to Oct. 10, 2024.Criminologist says Canada should better track foreign student departuresFriday's Scores
'Let's not panic': Canada picks up the pieces after ugly Latvia loss at world juniors OTTAWA — Peter Anholt tried to keep things light as he emerged from one of the elevators at Canada's hotel. Joshua Clipperton, The Canadian Press Dec 28, 2024 2:08 PM Dec 28, 2024 2:35 PM Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Canada head coach Dave Cameron speaks to his players during third period IIHF World Junior Hockey Championship preliminary round action against Latvia in Ottawa on Friday, Dec. 27, 2024. THE CANADIAN PRESS/Sean Kilpatrick OTTAWA — Peter Anholt tried to keep things light as he emerged from one of the elevators at Canada's hotel. The temperature had been turned way up on the veteran hockey executive and the country's under-20 program after a stunning upset some 12 hours earlier. "You only want to talk to me when things are bad, eh?" Anholt joked to reporters Saturday morning. "Is that how this works?" That is indeed what happens when a powerhouse with a record 20 gold medals expected to roll over an opponent suffers one of its worst all-time defeats at the tournament. Canada was embarrassed on home soil 3-2 by Latvia — a country it had thumped by a combined 41-4 score across four previous meetings — in a shocking shootout Friday. Coming off a disastrous fifth-place finish last year in Sweden and having talked a lot about upping their compete level and preparation, the Canadians looked disjointed for long stretches against the plucky, hard-working Latvians. The power play finally clicked late in the third period, but stands at 1-for-7 through two games, while the top line of Easton Cowan, Calum Ritchie and Bradly Nadeau has yet to translate its pre-tournament chemistry into success in the spotlight. "We're certainly trying to problem solve, but not throw the baby out with the bath water," said Anholt, who heads the world junior setup. "We've got to be really careful." Canada, which picked up a solid 4-0 victory over Finland to open its tournament Thursday, had plenty of offensive zone time and directed 57 shots at Latvian goaltender Linards Feldbergs. Included in that total, however, were far too many one-and-done efforts from the perimeter with little traffic in front. There were, of course, desperate spurts — especially late in regulation and in 3-on-3 overtime — but not nearly enough for a roster peppered with first-round NHL draft picks and top prospects. "We played really, really hard," Anholt said in defending his players. "We controlled the puck lots. We created some chances. Their goalie was really good and they defended really good ... 99 times out of 100 we win that game." Hoping for a big response Sunday against Germany before meeting the United States on New Year's Eve to tie a bow on round-robin action in Group A, Canada will have to push ahead minus one of its best players. Star defenceman Matthew Schaefer was injured Friday and is done for the tournament after he slammed into Latvia's net and skated off favouring his left shoulder area. "Tough blow for the kid," Anholt said. "The way he plays the game, he plays it at such a high speed." Cowan, a Toronto Maple Leafs first-round selection, said Canada remains confident despite Friday's ugly result in the nation's capital. "We're good," said the 19-year-old from Mount Brydges, Ont. "Everyone's lost a hockey game before." But not like that — or to that opponent on that stage. "Bit of a (crappy) feeling," said Nadeau, a Carolina Hurricanes prospect from St-Francois-de-Madawaska, N.B. "We all know what this group is capable of. Losing that game is not our standard. "We'll bounce back." Some corners of social media exploded following the Latvian debacle, with heavy criticism directed at head coach Dave Cameron and the team's overall roster construction. "We're not really worried about it," defenceman and Ottawa native Oliver Book, who like Cowan is back from last year's team, said of the outside noise. "We know we didn't play well." Canada appears poised to mix things up against the Germans. Vancouver Canucks prospect Sawyer Mynio of Kamloops, B.C., is set draw in for Schaefer, while Anholt indicated there's a good chance forward Carson Rehkopf will get his first crack at the 2025 tournament as a returnee. The 19-year-old Seattle Kraken second-round pick from Vaughan, Ont., has scored a combined 78 goals over his last 97 regular-season and playoff games in the Ontario Hockey League. "Great player," Cowan said. "He finds ways." Anholt said taking a big-picture approach is key in challenging moments. "Let's not panic," he said. "The world hasn't fallen in. It's hard, but we'll learn from it." It's something Canada will have to do under intense scrutiny. "People are gonna love you and people are gonna hate you," said Cowan, who has a goal an assist through two games. "Gotta keep doing you." Anholt, who was also at the helm 12 months ago when Canada never got in gear, isn't getting 2024 vibes from this year's group. "Not even in any way, shape or form," he said. "We've just got to take care of business." They get a first shot at redemption Sunday. This report by The Canadian Press was first published Dec. 28, 2024. Joshua Clipperton, The Canadian Press See a typo/mistake? Have a story/tip? This has been shared 0 times 0 Shares Share by Email Share on Facebook Share on X Share on LinkedIn Print Share via Text Message Get your daily Victoria news briefing Email Sign Up More Junior Hockey 'Big blow': Canadian defenceman Matthew Schaefer ruled out of world juniors Dec 28, 2024 11:14 AM 'Devastating': Uninspired Canada upset by Latvia in a shootout at world juniors Dec 28, 2024 6:38 AM Latvia stuns Canada in world junior hockey, winning 3-2 on lone shootout goal Dec 27, 2024 10:03 PMVehicle Pillar Market Expected to Expand at a Steady 2024-2031 12-03-2024 10:17 PM CET | Tourism, Cars, Traffic Press release from: SkyQuest Technology Vehicle Pillar Vehicle Pillar Market Scope: Global vehicle pillar market size was valued at USD 6.7 billion in 2022 and is poised to grow from USD 6.99 billion in 2023 to USD 9.79 billion by 2031, growing at a CAGR of 4.3% in the forecast period (2024-2031). The study of the global Vehicle Pillar Market is presented in the report, which is a thoroughly researched presentation of the data. The analysis delves into some of the key facets of the global Vehicle Pillar Market and shows how drivers like pricing, competition, market dynamics, regional growth, gross margin, and consumption will affect the market's performance. A thorough analysis of the competitive landscape and in-depth company profiles of the top players in the Vehicle Pillar Market are included in the study. It provides a summary of precise market data, including production, revenue, market value, volume, market share, and growth rate. Request for Sample Copy of this Global Vehicle Pillar Market: https://www.skyquestt.com/sample-request/vehicle-pillar-market The best investment markers are insights into the most prominent market trends, which help potential participants make decisions even easier. The research aims to discover the numerous growth chances that readers may take into consideration and take advantage of using all the necessary information. The market growth over the coming years can be predicted with greater accuracy by carefully examining the important growth-influencing aspects including pricing, production, profit margins, and value chain analyses. Vehicle Pillar Market Segments: Material Aluminum, Steel, Plastic Composites, and Others Application Passenger Cars, Commercial Vehicles End Market OEMs, and Aftermarket Major Players Covered in Global Vehicle Pillar Market Report: • Toyotomi Kiko• Kirchhoff Automotive• Unipres• Tianjin Toyotetsu Automobile• Benteler• Gestamp• Toyoda Iron Works• Aisin Seiki• Martinrea International• GEDIA Automotive• Tower International• G-Tekt• NVH KOREA Inc.• Meleghy Automotive• Sewon America• Trinseo• Shiloh Industries• Elsa• • View report summary and Table of Contents (TOC): https://www.skyquestt.com/report/vehicle-pillar-market Report Inclusions: Market Overview: A product/services overview and the size of the global Vehicle Pillar Market are included. It provides a summary of the report's segmental analysis. Here, the focus is on the product/service type, application, and regional segments. Revenue and sales market estimates are also included in this chapter. Competition: This section includes information on market conditions and trends, analyzes manufacturers, and provides data on average prices paid by players, revenue and revenue shares of individual market players, sales and sales shares of individual players. Company Profiles: This part of the research provides in-depth, analytical information on the financial and business strategy data of some of the top players in the global Vehicle Pillar Market. This chapter of the report also covers a number of other specifics, such as product/service descriptions, portfolios, regional reach, and revenue splits. Region-wise Sales Analysis: This portion of the study provides market data along with regional revenue, sales, and market share analysis. Additionally, it offers estimates for each examined regional market's sales and sales growth rate, pricing scheme, revenue, and other factors. North America (United States, Canada, and Mexico) Europe (Germany, France, UK, Russia, and Italy) Asia-Pacific (China, Japan, Korea, India, and Southeast Asia) South America (Brazil, Argentina, Colombia, etc.) The Middle East and Africa (Saudi Arabia, UAE, Egypt, Nigeria, and South Africa) The research study can answer the following Key questions: (1) What is the estimated size of the global Vehicle Pillar Market at the end of the forecast period? (2) Is the segment-leading the global Vehicle Pillar Market anticipated to retain its leadership? (3) Which regions demonstrate the maximum growth potential? (4) Does any player dominate the global Vehicle Pillar Market? (5) What are the main drivers and restraints in the global Vehicle Pillar Market? Want to customize this report? Ask here : https://www.skyquestt.com/speak-with-analyst/vehicle-pillar-market Table of Contents Chapter 1 Industry Overview 1.1 Definition 1.2 Assumptions 1.3 Research Scope 1.4 Market Analysis by Regions 1.5 Market Size Analysis from 2024 to 2031 11.6 COVID-19 Outbreak: Vehicle Pillar Market Industry Impact Chapter 2 Competition by Types, Applications, and Top Regions and Countries 2.1 Market (Volume and Value) by Type 2.3 Market (Volume and Value) by Regions Chapter 3 Production Market Analysis 3.1 Worldwide Production Market Analysis 3.2 Regional Production Market Analysis Chapter 4 Vehicle Pillar Market Sales, Consumption, Export, Import by Regions Chapter 5 North America Market Analysis Chapter 6 East Asia Market Analysis Chapter 7 Europe Market Analysis Chapter 8 South Asia Market Analysis Chapter 9 Southeast Asia Market Analysis Chapter 10 Middle East Market Analysis Chapter 11 Africa Market Analysis Chapter 12 Oceania Market Analysis Chapter 13 Latin America Market Analysis Chapter 14 Company Profiles and Key Figures in Vehicle Pillar Market Business Chapter 15 Market Forecast (2024-2031) Chapter 16 Conclusions About Us: SkyQuest is an IP focused Research and Investment Bank and Accelerator of Technology and assets. We provide access to technologies, markets and finance across sectors viz. Life Sciences, CleanTech, AgriTech, NanoTech and Information & Communication Technology. We work closely with innovators, inventors, innovation seekers, entrepreneurs, companies and investors alike in leveraging external sources of R&D. Moreover, we help them in optimizing the economic potential of their intellectual assets. Our experiences with innovation management and commercialization has expanded our reach across North America, Europe, ASEAN and Asia Pacific. Contact: Mr. Jagraj Singh Skyquest Technology 1 Apache Way, Westford, Massachusetts 01886 USA (!) 351-333-4748 Visit Our Website: https://www.skyquestt.com/ This release was published on openPR.
The Broncos elevated defensive end Matt Henningsen and wide receiver David Sills for Saturday’s game against the Bengals, the team announced. Henningsen, a third-year player from the University of Wisconsin, has not appeared in a game this season. He has played 34 games in his career with the Broncos. He has totaled 40 career tackles, one sack and two passes defensed. Sills, a fifth-year player from West Virginia, has not appeared in a game this season. In his career, he has played 16 games with the Giants (2019-22) and Broncos (2023). Sills has totaled 13 receptions for 123 yards.
Daily Post Nigeria Femi Johnson: NCAA: When delayed, cancelled flights are celebrated, glorified Home News Politics Metro Entertainment Sport Sponsored Femi Johnson: NCAA: When delayed, cancelled flights are celebrated, glorified Published on December 28, 2024 By Daily Post Staff Industry watchers, experts and passengers received the shocker recently when the Acting Director General of Nigerian Civil Aviation Authority, Mr Chris Najomo disclosed how he shared government money to staff in order to improve their welfare, boasting that the money shared belongs to nobody but the federal government, hence he fears no evil. This was revealed in a viral video. He went further to hail the minister whom he said God was using to do a lot for NCAA. In another shocking comment, the NCAA acting boss also announced that over 5,225 flights were delayed, and 190 were cancelled in 2024. No details on sanctions or punishments for erring airlines. In a BusnessDay report, he said, “Adequate compensation is provided where applicable. Non-compliance with these regulations will not be tolerated, and going forward, the NCAA will not hesitate to impose the necessary penalties where violations are observed. I have instructed my team to monitor and enforce compliance and apply sanctions.” Apprehension over future of aviation Currently, there are concerns by major industry players and passengers over the future of aviation sector going by the handling of regulations. Firstly, the Acting DG has become chronically patronizing in his effort to continually gain the support of the staff at the detriment of aviation safety. His claims that monies are being shared to staff who constantly get alert because they belong to the federal government is an aberration and speaks volume about administrative insensitivity. It’s not entirely wrong to prioritize staff welfare in line with civil service rules, but it amounts to recklessness when you prioritize same at the expense of aviation safety. Unfortunately, throughout his speech where he constantly hammered on his intention to continue in office, he did not mention any airline that was sanctioned over delayed or cancelled flights. The Acting DG, showed no mercy to stranded passengers whose flights were either delayed or cancelled when he said going forward, erring airlines would be sanctioned. So what happened in the past one year? How many airlines were sanctioned or queried in the period under review? This is a complete lack of incompetence and the sad reality of the regulatory agency. It’s unfortunately disturbing to tag incompetence as a success story and should we continue on this trajectory, the aviation sector will face grave setback. What then is the job of the regulator when 190 flights were cancelled in a single year and 5,225 were delayed yet no question was asked? This unfortunate collaboration between the airlines and the regulator portends serious danger and must be stopped now. It’s unfortunately becoming clearer that instead of engaging in the job of regulation, the atmosphere in the NCAA is that of joke, merriment, speech making, campaign and sharing of money to staff to gain support for continuation and confirmation of the Acting DG. What difference does it make if staff smile, eat fat and make merry but passengers lament delayed and cancelled flights? It shows a near absence of regulations. One of the underlined issues is the understanding of the DG that passengers whose flights were cancelled or delayed should be ignored. No Nigerian passenger in the past one year can confirm being compensated for a delayed or cancelled flights. We have had cases of passengers sleeping in the airport for days over flight delay. NCAA cannot point at a single passenger who had benefited in terms of compensation either by the airline or by the regulatory body. This is not only sad, but capable of bringing to disrepute the renewed confidence in aviation. When staff get compensated for allowing airlines to operate without regulation, when the attention is shifted from regulation to celebration, when the regulator becomes the collaborator, then danger looms. Findings have revealed that more than 5,000 flights were canceled in September and October 2024 alone, yet staff and airline owners have continued to write to the President to confirm him. This looks more like a situation irony. Many believe that the alleged manipulation by the Minister who had been insisting on the confirmation of the DG for the next 5 years has torn the industry apart. No wonder the then DG, Capt Musa Nuhu without any serious investigation for a year now. The NSIB report indicting NCAA indicated that the fatal helicopter crash, which resulted in the deaths of 8 individuals, including 6 NNPC employees was due to NCAA permission to the helicopter to operate without a valid FDR, autopilot, life raft, and other essential equipment. It is also not news that the recent Bell Police helicopter crash was as a result of the NCAA’s inadequate supervision and the presence of unqualified pilots. Sadly, the recent multiple aviation incidents, including two aircraft engine failures and a cargo aircraft overshooting the runway within a span of five days call for serious concern. These alarming developments should ordinarily reawaken the Minister of Aviation in order to take action against Captain Chris Najomo, who happened to be his Uncle from the same village. The safety of the aviation industry is far more important than any relationship or tie. This current disregard for safety concerns has raised international scrutiny on Nigeria’s management of its airspace. The country has lost its FAA Category One Certificate, prohibiting Nigerian airlines, including Airpeace, from operating passenger flights to the United States. The concerns of many is the Minister’s inaction or reluctance to intervene and prioritize the safety of citizens. The current leadership incompetence in NCAA has continued to re-echo and must be addressed now before it’s too late, else we will return to the era of Sosoliso and those dark years in the sector. Politicising NCAA at the expense of professionalism will take us 100 steps backwards. Watch video here... View this post on Instagram A post shared by Adoyi Abah Ali (@official_aliadoyi) Femi Johnson, an aviator writes from Canada. Related Topics: Promoted Don't Miss Olufemi Soneye: Setting the record straight: Meritocracy and milestones at NNPC You may like Olufemi Soneye: Setting the record straight: Meritocracy and milestones at NNPC Preye celebrates husband, Prince Yellowe in grand style on his 60th birthday Chivita|Hollandia spreads love to Nigerian homes with Blue Santa campaign Is realme a top contender for Nigeria’s smartphone market in 2025? How Golden Terra Oil made LAIF history Rev Ben Eragbai of Divine Appointment Ministry Int’l celebrates Christmas with less privileged in Lagos Advertise About Us Contact Us Privacy-Policy Terms Copyright © Daily Post Media LtdBy 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. Anna Helhoski writes for NerdWallet. Email: anna@nerdwallet.com. Twitter: @AnnaHelhoski. The article What Trended in Personal Finance in 2024? originally appeared on NerdWallet .