nuebe gaming download ios Syria’s Druze hope for better future without AssadEMMITSBURG, Md. (AP) — Jedy Cordilia's 21 points helped Mount St. Mary's defeat Fairfield 101-94 on Sunday. Cordilia also had seven rebounds for the Mountaineers (6-3, 1-1 Metro Atlantic Athletic Conference). Dola Adebayo scored 15 points while shooting 5 of 7 from the field and 4 for 4 from the free-throw line and added nine rebounds, five assists, and four blocks. Dallas Hobbs shot 4 of 9 from the field, including 2 for 4 from 3-point range, and went 4 for 4 from the foul line to finish with 14 points. Prophet Johnson led the Stags (5-5, 1-1) in scoring, finishing with 22 points, 10 rebounds, five assists and two steals. Braden Sparks added 16 points and four assists for Fairfield. Jamie Bergens had 15 points and four assists. The Associated Press created this story using technology provided by Data Skrive and data from Sportradar .None

By MICHAEL R. SISAK and JENNIFER PELTZ NEW YORK (AP) — President-elect Donald Trump’s lawyers urged a judge again Friday to throw out his hush money conviction, balking at the prosecution’s suggestion of preserving the verdict by treating the case the way some courts do when a defendant dies. They called the idea “absurd.” Related Articles National Politics | Trump wants to turn the clock on daylight saving time National Politics | Ruling by a conservative Supreme Court could help blue states resist Trump policies National Politics | A nonprofit leader, a social worker: Here are the stories of the people on Biden’s clemency list National Politics | Nancy Pelosi hospitalized after she ‘sustained an injury’ on official trip to Luxembourg National Politics | Veteran Daniel Penny, acquitted in NYC subway chokehold, will join Trump’s suite at football game The Manhattan district attorney’s office is asking Judge Juan M. Merchan to “pretend as if one of the assassination attempts against President Trump had been successful,” Trump’s lawyers wrote in a blistering 23-page response. In court papers made public Tuesday, District Attorney Alvin Bragg’s office proposed an array of options for keeping the historic conviction on the books after Trump’s lawyers filed paperwork earlier this month asking for the case to be dismissed. They include freezing the case until Trump leaves office in 2029, agreeing that any future sentence won’t include jail time, or closing the case by noting he was convicted but that he wasn’t sentenced and his appeal wasn’t resolved because of presidential immunity. Trump lawyers Todd Blanche and Emil Bove reiterated Friday their position that the only acceptable option is overturning his conviction and dismissing his indictment, writing that anything less will interfere with the transition process and his ability to lead the country. The Manhattan district attorney’s office declined comment. It’s unclear how soon Merchan will decide. He could grant Trump’s request for dismissal, go with one of the prosecution’s suggestions, wait until a federal appeals court rules on Trump’s parallel effort to get the case moved out of state court, or choose some other option. In their response Friday, Blanche and Bove ripped each of the prosecution’s suggestions. Halting the case until Trump leaves office would force the incoming president to govern while facing the “ongoing threat” that he’ll be sentenced to imprisonment, fines or other punishment as soon as his term ends, Blanche and Bove wrote. Trump, a Republican, takes office Jan. 20. “To be clear, President Trump will never deviate from the public interest in response to these thuggish tactics,” the defense lawyers wrote. “However, the threat itself is unconstitutional.” The prosecution’s suggestion that Merchan could mitigate those concerns by promising not to sentence Trump to jail time on presidential immunity grounds is also a non-starter, Blanche and Bove wrote. The immunity statute requires dropping the case, not merely limiting sentencing options, they argued. Blanche and Bove, both of whom Trump has tabbed for high-ranking Justice Department positions, expressed outrage at the prosecution’s novel suggestion that Merchan borrow from Alabama and other states and treat the case as if Trump had died. Blanche and Bove accused prosecutors of ignoring New York precedent and attempting to “fabricate” a solution “based on an extremely troubling and irresponsible analogy between President Trump” who survived assassination attempts in Pennsylvania in July and Florida in September “and a hypothetical dead defendant.” Such an option normally comes into play when a defendant dies after being convicted but before appeals are exhausted. It is unclear whether it is viable under New York law, but prosecutors suggested that Merchan could innovate in what’s already a unique case. “This remedy would prevent defendant from being burdened during his presidency by an ongoing criminal proceeding,” prosecutors wrote in their filing this week. But at the same time, it wouldn’t “precipitously discard” the “meaningful fact that defendant was indicted and found guilty by a jury of his peers.” Prosecutors acknowledged that “presidential immunity requires accommodation” during Trump’s impending return to the White House but argued that his election to a second term should not upend the jury’s verdict, which came when he was out of office. Longstanding Justice Department policy says sitting presidents cannot face criminal prosecution . Other world leaders don’t enjoy the same protection. For example, Israeli Prime Minister Benjamin Netanyahu is on trial on corruption charges even as he leads that nation’s wars in Lebanon and Gaza . Trump has been fighting for months to reverse his May 30 conviction on 34 counts of falsifying business records . Prosecutors said he fudged the documents to conceal a $130,000 payment to porn actor Stormy Daniels to suppress her claim that they had sex a decade earlier, which Trump denies. In their filing Friday, Trump’s lawyers citing a social media post in which Sen. John Fetterman used profane language to criticize Trump’s hush money prosecution. The Pennsylvania Democrat suggested that Trump deserved a pardon, comparing his case to that of President Joe Biden’s pardoned son Hunter Biden, who had been convicted of tax and gun charges . “Weaponizing the judiciary for blatant, partisan gain diminishes the collective faith in our institutions and sows further division,” Fetterman wrote Wednesday on Truth Social. Trump’s hush money conviction was in state court, meaning a presidential pardon — issued by Biden or himself when he takes office — would not apply to the case. Presidential pardons only apply to federal crimes. Since the election, special counsel Jack Smith has ended his two federal cases , which pertained to Trump’s efforts to overturn his 2020 election loss and allegations that he hoarded classified documents at his Mar-a-Lago estate. A separate state election interference case in Fulton County, Georgia, is largely on hold. Trump denies wrongdoing in all. Trump had been scheduled for sentencing in the hush money case in late November. But following Trump’s Nov. 5 election victory, Merchan halted proceedings and indefinitely postponed the former and future president’s sentencing so the defense and prosecution could weigh in on the future of the case. Merchan also delayed a decision on Trump’s prior bid to dismiss the case on immunity grounds. A dismissal would erase Trump’s conviction, sparing him the cloud of a criminal record and possible prison sentence. Trump is the first former president to be convicted of a crime and the first convicted criminal to be elected to the office.Pinion has 22 points as Arkansas State beats No. 16 Memphis 85-72

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Scottie Scheffler has new putting grip and trails Cameron Young by 3 in BahamasImagine this scenario: A family is gathered around exchanging presents. There is one last gift tucked away. You hand the present to a child, and he or she opens it to find a puppy or kitten. The tears of happiness start flowing and the big smiles on all involved will be forever captured in photos and video. The pet immediately becomes a cherished member of the family. Of course this scenario is perfect when giving a pet as a gift. A recent ASPCA study found that pets received as gifts generally have a low return rate. According to the survey, 96 percent of the people who received pets as gifts thought it either increased or had no impact on their love or attachment to that pet. The survey also revealed no difference in attachment based on the gift being a surprise or being known in advance. Even with such sunny outcomes, there is still the possibility that a pet given as a surprise gift may not be welcomed with open arms. In fact, many animal organizations frown upon giving pets as gifts. Rather than getting into a situation where an animalÕs welfare could be at risk, it is important to keep a few things in mind when considering gifting a pet. * Don’t make it a surprise. Unless it’s for your own children, do not give a pet as a surprise gift. Even if a person has expressed an interest in having a pet, he or she may not be ready at the moment. Talk the gift idea over with the potential recipient if your mind is set on gifting a pet so that you can make it a collaborative effort. The thought is still there. * Pay for adoption fees. You can visit a shelter and preemptively pay the adoption fees if you know that a person will be adopting a pet in the near future. This way you can make the gift a surprise and enable the recipient to choose the right timing to go pick out a pet. * Offer supplies instead. Another pet-related gift idea is to offer a gift card to a nearby pet retailer so that the person will be able to stock up on supplies when the time comes to get a pet. * Do not act on impulse. A pet is a very personal decision. Even if someone you know is very interested in getting a pet, he or she may want to pick out the pet rather than have that choice made by a loved one. Taking away the opportunity to select and bond with a given companion animal could backfire. Although giving pets as gifts often works out for the best, it’s always best to test the waters and tread carefully to maximize the chances that the pet fits in at its new home. — Metro Creative

Article content U.S. President Joe Biden has irreparably damaged his political legacy by pardoning his son, Hunter Biden, from convictions for illegal gun possession and tax fraud. Recommended Videos To be sure, one can be sympathetic to Biden, as a father, wanting to keep his 54-year-old son out of jail. He was to be sentenced on both crimes later this month. Instead, Biden issued a sweeping presidential pardon that includes any crimes Hunter Biden, “committed or may have committed” from Jan. 1, 2014 to the end of this year. Biden’s defenders argue president-elect Donald Trump pardoned or commuted the sentences of about 100 people in the final days of his first term as president. They included Charles Kushner, father of his son-in-law, Jared Kushner, sentenced to two years in prison for tax evasion, violating campaign financing laws and witness tampering in 2005. Trump has now chosen Charles Kushner to be the U.S. ambassador to France when he becomes president. He’s also described convicted leaders of the Jan. 6, 2021 assault on Congress as “hostages,” suggesting he’ll pardon them. But those arguments are irrelevant here. Biden’s entire presidency was built around his claim he would restore democracy and the rule of law in America after the first Trump presidency. Now we’re told he made his decision to pardon his son over Thanksgiving with his family, which flies in the face of his repeated denials that he would pardon his son, made throughout the presidential race where Trump defeated Biden’s vice-president, Kamala Harris. On May 31, when Trump was convicted in his hush money trial, Biden tweeted on X, “No one is above the law.” Given all this, Biden’s decision was, at best, blatant hypocrisy. At worst it raises the question of whether he was lying when he made those statements and was simply waiting until after the election to announce his decision. Ironically, Biden made the same argument as Trump in defending his decision — that the charges were political witch hunts But even many Democrats aren’t buying that. As Democratic Arizona Rep. Greg Stanton tweeted on ‘X’:” I respect President Biden, but I think he got this one wrong. This wasn’t a politically-motivated prosecution. Hunter committed felonies, and was convicted by a jury of his peers.”ATLANTIC CITY, N.J. (AP) — Workers pushing for an end to smoking in Atlantic City casinos say the main employee union has been won over by tobacco companies seeking allies in the fight against smoking restrictions. An official of a union involved in the anti-smoking push on Monday called for the head of the Atlantic City casino workers' union, Donna DeCaprio, to resign for failing to protect her members from the dangers of secondhand smoke. DeCaprio is president of Local 54 of the Unite Here union, which opposes a smoking ban on the grounds that so much business would be lost by smokers taking their money elsewhere that it could cause one or more casinos to shut down, costing thousands of workers their jobs. “She should be ashamed of herself,” said Ray Jensen, assistant director of United Auto Workers Region 9, which represents dealers at three Atlantic City casinos and is part of a lawsuit seeking to have the courts force an end to smoking in the gambling halls. “She should hand in her union card.” DeCaprio said her union supports the health and safety of its members, adding improvements to the workplace environment need to be made. “A balance needs to be reached that will both protect worker health and preserve good jobs,” she said. “We are protecting our members against multiple casino closures and job losses. The UAW is eager to sacrifice the entire casino industry and put 25,000 good jobs with benefits at risk.” DeCaprio said between 50% and 72% of all in-person casino revenue in Atlantic City comes from smoking sections, which occupy only 25% of the casino floor. She said her union “and the vast majority of the labor movement” support a proposal that would improve ventilation in casinos and prevent any employee from being assigned to work in a smoking section against their will. Whether to ban smoking is one of the most controversial issues not only in Atlantic City casinos but in other states where workers have expressed concern about secondhand smoke. They are waging similar campaigns in Rhode Island, Pennsylvania, Kansas and Virginia. Workers have been pushing for four years to end an exemption in New Jersey’s clean air law that allows smoking inside the nine casinos. They say they or their co-workers are becoming ill with cancer, heart disease and other conditions related to exposure to second-hand smoke. Gov. Phil Murphy, a Democrat, has said he will sign a bill to end casino smoking if it reaches his desk. The casinos, joined by Local 54, oppose that effort, saying it will cost Atlantic City thousands of jobs and lead to decreased tax revenue for state programs for senior citizens and the disabled. On Monday, the workers group that calls itself CEASE (Casino Employees Against Smoking’s Effects) filed an appeal of a court ruling in August that allowed smoking to continue in the nine casinos. The Casino Association of New Jersey declined to comment Monday. Attorney Nancy Erika Smith said as far back as 1993, tobacco companies targeted labor unions in the hospitality industry as potential allies to work against smoking bans in the restaurant and hospitality industries. That effort included the Hotel Employees and Restaurant Employees Union, a precursor of the Unite Here union. “HERE and the related AFL-CIO affiliates are critical allies which should be cultivated as supporters of the effort to prevent smoking bans,” a public relations firm wrote in a memo to Philip Morris Companies that was made public during several states' litigation against tobacco companies. The memo said having HERE “as an ally in this effort would be a very powerful voice.” As far back as 2001, HERE was part of a 12-member coalition including labor unions advocating for improved indoor ventilation instead of government-imposed smoking bans, according to another document cited in Monday's appeal. The anti-smoking campaigners cite a 2022 report by Las Vegas-based C3 Gaming, a consulting firm, showing that casinos that went smoke-free "appear to be performing better than their counterparts that continue to allow smoking.” Follow Wayne Parry on X at www.twitter.com/WayneParryAC Copyright 2024 The Associated Press. All rights reserved. This material may not be published, broadcast, rewritten or redistributed without permission. Get local news delivered to your inbox!

The Dallas Cowboys have been struggling as of late as they have lost five straight games after getting blown out by the Houston Texans Monday night. However, that hasn’t stopped some players from going out around town and enjoying themselves after losses. Cowboys star receiver C eeDee Lamb and star cornerback Trevon Diggs were reportedly out partying in a club after Dallas lost to the Texans on Monday. Cowboys Executive Vice President Stephen Jones was asked about players partying after losses during an appearance on 105.3 The Fan on Friday. Jones shared with the station that he doesn’t have a problem with it. “No, I mean, they’re going to work each and every week to make plays in the field. We obviously got to continue to do better. But no, that doesn’t concern me,” Jones said, according to Jon Mochta , when asked if he’s bothered seeing star players go out after losses. While Stephen Jones didn’t mind Cowboys players going out, they have received some criticism this week. Shannon Sharpe went after CeeDee Lamb and Trevon Diggs on his podcast earlier this week. “That’s why y’all Cowboys suck. Because two of your best players, this is what they’re doing,” Sharpe said . “That shows you how much the game of football means to them. That told me everything I need to know. “Everybody talks about winning, but do you take the steps in order to win? You got your ass kicked. I would’ve left the stadium with a bag over my head. ... Ain’t no way y’all would see me leave the stadium after I got beat like that. ... And you do this? It’s disrespectful to the fans that pay their hard earned money.” The Cowboys will look to end their losing skid on Sunday when they face the Washington Commanders. However, they could be without Trevon Diggs. He showed up on the injury report as limited for Friday’s practice. Diggs is officially listed as questionable. This article first appeared on 5 GOATs and was syndicated with permission.Nathan Cleary’s bizarre diet change secret stuns fans

AP News Summary at 4:29 p.m. EST

Constellation Brands to Report Third Quarter Fiscal 2025 Financial Results; Host Conference Call January 9, 2025S&T Deputy Minister attends opening ceremony of Techong Scientists Forum

AUSTIN, Texas , Dec. 2, 2024 /PRNewswire/ -- Subsplash , the industry leader in engagement technology for churches, announced today its acquisition of Pulpit AI , the artificial intelligence company for pastors and churches. "At Subsplash, we're committed to supporting church communities by making it easier to share the truth of Jesus," said Tim Turner , CEO of Subsplash. "Pulpit AI allows us to provide hundreds of thousands of forward-looking church leaders with tools that multiply their content creation efforts—helping deepen discipleship within their communities!" This acquisition marks an exciting step forward in Subsplash's mission of equipping every church to engage more people through technology by transforming sermons into dynamic, discoverable content that reaches people every day of the week—anywhere, anytime. Pastors and church leaders can leverage the Subsplash Platform—mobile apps, online giving, live streaming, websites, media delivery, events management, communication tools, and more—now paired with the power of AI making it simple to upload sermons and automatically create a suite of content—from video clips for social media to study guides for small groups, sermon recaps, weekly newsletters, and more. "The Church should be at the forefront of innovation and creativity," said Turner. "We can't wait to see how this acquisition helps amplify the gospel message and, by the grace of Jesus, we'll never stop innovating for His Church." With Subsplash & Pulpit AI's advanced tools, pastors can save valuable time while broadening the reach and impact of their messages. By enabling church leaders to repurpose their sermons quickly and effectively, Subsplash aims to enhance engagement with each sermon created, connecting congregations with meaningful content throughout the week. About Subsplash Subsplash is the industry leader in Fintech and mobile SaaS with an award-winning digital engagement platform used by over 20,000 leading churches and ministries around the world. Subsplash is passionate about helping mission-minded organizations engage their audiences through centralized, easy-to-manage systems. As the creators of the Ultimate Engagement PlatformTM, they're dedicated to delivering delight to millions of people through custom mobile apps, websites, live streaming, media hosting delivery, online giving, events management, communication tools, and more. View original content to download multimedia: https://www.prnewswire.com/news-releases/subsplash-acquires-pulpit-ai-an-innovative-platform-leveraging-ai-to-help-streamline-content-creation--boost-sermon-engagement-for-churches-302320167.html SOURCE SubsplashNASSAU, Bahamas (AP) — Scottie Scheffler brought a new putting grip to the Hero World Challenge and felt enough improvement to be satisfied with the result, a 5-under 67 that left him three shots behind Cameron Young on Thursday. Young was playing for the first time since the BMW Championship more than three months ago and found great success on and around the greens of Albany Golf Club, chipping beautifully and holing four birdie putts from 15 feet or longer for his 64. He led by two shots over Justin Thomas in his first competition since his daughter was born a few weeks ago. Thomas ran off four straight birdies late in his round and was a fraction of an inch away with a fifth. The big surprise was Scheffler, the No. 1 player in golf who looked as good as he has all year in compiling eight victories, including an Olympic gold medal. His iron play has no equal. His putting at times has kept him from winning more or winning bigger. He decided to try to a “saw” putting grip from about 20 feet or closer — the putter rests between his right thumb and his fingers, with his left index finger pointed down the shaft. “I’m always looking for ways to improve,” Scheffler said. Scheffler last year began working with renowned putting instructor Phil Kenyon, and he says Kenyon mentioned the alternative putting grip back then. “But it was really our first time working together and it’s something that’s different than what I’ve done in the past,” Scheffler said. “This year I had thought about it from time to time, and it was something that we had just said let’s table that for the end of the season, take a look at it. “Figured this is a good week to try stuff.” He opened with a wedge to 2 feet and he missed a 7-foot birdie putt on the par-5 third. But he holed a birdie from about the same distance at the next par 5, No. 6, and holed a sliding 6-footer on the ninth to save par. His longest putt was his last hole, from 12 feet for a closing birdie. “I really enjoyed the way it felt,” he said. “I felt like I’m seeing some improvements in my stroke.” Young, regarded as the best active player without a PGA Tour victory, is treating this holiday tournament as the start of a new season. He worked on getting stronger and got back to the basics in his powerful golf swing. And on this day, he was dialed in with his short game. He only struggled to save par twice and kept piling up birdies in his bogey-free round on an ideal day in the Bahamas. “The wind wasn’t blowing much so it was relatively stress-free,” Young said. Patrick Cantlay, along with Scheffler playing for the first time since the Presidents Cup, also was at 67 with Ludvig Aberg, Akshay Bhatia and Sahith Theegala. Thomas also took this occasion to do a little experimenting against a 20-man field. He has using a 46-inch driver at home — a little more than an inch longer than his regular driver — in a bid to gain more speed. On a day with little wind, on a golf course with some room off the tee, he decided to put it in play. “Just with it being a little bit longer, I just kind of have to get the club out in front of me and get on top of it a little bit more,” Thomas said. “I drove the hell out of it on the back, so that was nice to try something different and have it go a little bit better on the back.” Thomas said the longer driver gives him 2 or 3 mph in ball speed and 10 extra yards in the air. “It’s very specific for courses, but gave it a try,” he said. Conditions were easy enough that only four players in field failed to break par, with Jason Day bringing up the rear with a 75. AP golf: https://apnews.com/hub/golf

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 .

As Trump fumes over unlikely ‘Brics currency’, China should talk to US more about money