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By Kimberly Palmer, NerdWallet The investing information provided on this page is for educational purposes only. NerdWallet, Inc. does not offer advisory or brokerage services, nor does it recommend or advise investors to buy or sell particular stocks, securities or other investments. The start of a new year can bring a surge of motivation around setting new goals, including financial resolutions. One way to help those goals become reality, financial experts say, is to make them as specific as possible. Then, track your progress, while allowing flexibility for unexpected challenges. “It’s easier to track progress when we know where we are going,” says Sylvie Scowcroft, a certified financial planner and founder of The Financial Grove in Cambridge, Massachusetts. That’s why she encourages her clients to set clearly defined goals, often related to paying off a specific debt, saving a certain amount per month or improving their credit score. Here are more tips from financial experts about crafting 2025 financial goals : Trying to accomplish too much can feel overwhelming. Instead, pick your priorities, says Cathleen Tobin, CFP and owner of Moonbridge Financial Design in Rhinebeck, New York. She suggests focusing on those big, often emotionally-driven goals to find motivation. “It’s more compelling than just a number,” she says. For example, do you want to make sure you’re on track for retirement or save money for a house? “Start there.” Scowcroft says she sees clients get tripped up by selecting overly broad goals, such as “get better with money.” Instead, she encourages people to select specific action items, such as “sign up for a budgeting tool and set aside time each month to learn where my money is going.” That level of specificity provides direction so you know what steps to take next, she adds. For example, if your top priority is to become debt-free, then your specific goal might be to pay off an extra $200 of your debt balance each month. Tobin says labeling savings accounts so they correspond with goals can also help. An emergency fund could be named something like “Peace of mind in 2025,” so you remember why you’re saving every time you make a transfer. “It’s more motivating than just ‘emergency fund,’” Tobin says. Measuring your progress as the year unfolds is also a critical component of successful goal setting, Tobin says. She compares it to weight loss. If you want to lose 20 pounds by June, then you need to lose about a pound a week for the first six months of the year. Similarly, she says it helps to break savings goals into microsteps that specify what you need to do each week. Schedule a weekly or monthly check-in with yourself to make sure you are meeting those smaller goals along the way. You might want to review your debt payoff progress or check your credit score , for example. “Being able to break it down into steps that can be done each week or twice a month really helps,” Tobin says. If your goal is to save more money , then setting up an automatic transfer each month can help turn that goal into reality, as long as you know you have the money in your checking account to spare. “It reduces the mental load,” says Mike Hunsberger, CFP and owner of Next Mission Financial Planning in St. Charles, Missouri, where he primarily supports veterans and current members of the military. He recommends starting small to ease into the change. “I wouldn’t jump to double what you’re currently saving,” he says. For example, when it comes to saving in a retirement account, if you’re starting with a 3% contribution, you might want to bump it up to 4%, then slowly increase it from there. “My number one piece of advice is to start small, but make sure you scale over time,” Hunsberger adds. “Because it’s gradual, you probably won’t notice it impacting your lifestyle.” “Stay flexible,” Scowcroft says. “Part of it is just being kind to yourself and not being too rigid.” When unexpected challenges come up, such as a big unplanned expense, you might have to pause making progress on your goal and reset. You might even need to change your goal. Scowcroft says that doesn’t mean you “failed,” just that life changed your plans. Dwelling on any negativity won’t help your forward progress. Sharing your goals with a friend can also make it easier to reach them, Scowcroft says. “It really helps to have an accountability buddy,” she says. She suggests putting a regular “money date” with your friend on the calendar so you can ask each other how you’re doing, brainstorm any challenges or even budget together side-by-side . “It’s a fun excuse to meet up with a friend.” More From NerdWallet Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer. The article The Secret to Making Successful Financial New Year’s Resolutions originally appeared on NerdWallet .New Delhi: District-level data collection on climate change, creation of a “climate-risk atlas” and realigning of CSR subjects with environmental issues to re-focus from urban to rural areas are among the suggestions made by a core advisory group of the NHRC, officials said on Tuesday. The National Human Rights Commission (NHRC) organised a meeting of the group on environment, climate change and human rights on the theme ‘Climate Change and Human Rights’ in hybrid mode in New Delhi. NHRC’s acting chairperson Vijaya Bharathi Sayani emphasised that climate change is impacting vulnerable communities, particularly tribal people whose traditional livelihoods are directly tied to the environment. She highlighted the ancient wisdom embedded in Indian texts, which underscores the deep connection between humanity and nature, to find solutions to deal with the challenges posed by climate change, the NHRC said in a statement. Some of the suggestions that emanated from the discussions included collecting data on climate change at the district level to understand its dimensions, and collaborating with local communities to develop expertise with sustainable solutions to mitigate its impact is necessary, a senior official said. Other suggestions included promoting research into the reasons and effects of climate change on migration from rural to urban areas in India, and identifying areas prone to climate change to create a “climate-risk atlas and mitigate potential impacts”. Ensuring the effective implementation of the Provisions of the Panchayats (Extension to the Scheduled Areas) Act, 1996 (PESA Act) and the Forest Rights Act (2006); and realigning Corporate Social Responsibility (CSR) subjects with environmental issues to re-focus from urban to rural areas; encouraging plantation in arid regions using a “1-litre water technique for agroforestry” in addition to crops, were other suggestions, it said. The Commission said it will further deliberate on the various suggestions to finalise its recommendations to be sent to the government on addressing various challenges aggravated by climate change.777 sports betting 。

‘Several Hundred’ North Korean Casualties in Russia’s Kursk – U.S. OfficialPresident Joe Biden on Monday signed into law a defense bill that authorizes significant pay raises for junior enlisted service members, aims to counter China 's growing power and boosts overall military spending to $895 billion despite his objections to language stripping coverage of transgender medical treatments for children in military families. Biden said his administration strongly opposes the provision because it targets a group based on gender identity and "interferes with parents’ roles to determine the best care for their children.” He said it also undermines the all-volunteer military's ability to recruit and retain talent. “No service member should have to decide between their family’s health care access and their call to serve our nation,” the president said in a statement. The Senate forwarded the bill to Biden after passing it last week by a vote of 85-14. In the House, a majority of Democrats voted against the bill after House Speaker Mike Johnson insisted on adding the provision to ban transgender medical care for children. The legislation easily passed by a vote of 281-140. Biden also objected to other language in the bill prohibiting the use of money earmarked to transfer detainees held at Guantanamo Bay, Cuba , to some foreign countries and into the United States. He urged Congress to lift those restrictions. The annual defense authorization bill, which directs Pentagon policy, provides a 14.5% pay raise for junior enlisted service members and a 4.5% increase for others. The legislation also directs resources towards a more confrontational approach to China, including establishing a fund that could be used to send military resources to Taiwan in much the same way that the U.S. has backed Ukraine. It also invests in new military technologies, including artificial intelligence, and bolsters the U.S. production of ammunition. The U.S. has also moved in recent years to ban the military from purchasing Chinese products, and the defense bill extended that with prohibitions on Chinese goods from garlic in military commissaries to drone technology. The legislation still must be backed up with a spending package. __ Associated Press writer Stephen Groves contributed to this report.French President Emmanuel Macron's office has announced a new government after the previous cabinet collapsed in a historic vote prompted by fighting over the country's budget. Newly named Prime Minister Francois Bayrou put together the government that includes members of the outgoing conservative-dominated team and new figures from centrist or left-leaning backgrounds. Coming up with a 2025 budget will be the most urgent order of business. The new government enters office after months of political deadlock and pressure from financial markets to reduce France's colossal debt. No single party holds a majority in the National Assembly. Bayrou's decades of political experience are seen as key in efforts to restore stability after Marine Le Pen's far-right party helped bring down the previous government. Macron has vowed to remain in office until his term ends in 2027, but has struggled to govern since snap elections in the summer left no single party with a majority in the National Assembly. Since his appointment 10 days ago, Bayrou has held talks with political leaders from various parties in search of the right balance for the new government. Some critics on Monday were angry at Bayrou for consulting with Le Pen's far-right party, and some argue the government looks too much like the old one to win lawmakers' trust. Former Prime Minister Michel Barnier resigned this month following a no-confidence vote prompted by budget disputes in the National Assembly, leaving France without a functioning government. Le Pen played a key role in Barnier's downfall by joining her National Rally party's forces with the left to pass the no-confidence motion. Bayrou will need support from moderate legislators on the right and left to keep his government alive. Bayrou has said he supports tax hikes championed by his predecessor, but it's not clear how the new government can find the right calculation for a budget that satisfies a majority of lawmakers angry over spending cuts. Banker Eric Lombard will be finance minister, a crucial post when France is working to fulfil its promises to European Union partners to reduce its deficit, estimated to reach six per cent of its gross domestic product this year. Lombard briefly worked as an adviser to a Socialist finance minister in the 1990s. Hard-right Bruno Retailleau stays on as interior minister, with responsibility for France's security and migration policy. Sebastien Lecornu, who has been at the forefront of France's military support for Ukraine, remains defence minister, while Foreign Minister Jean-Noel Barrot, who has travelled extensively in the Mideast in recent weeks, also retains his post. Among new faces are two former prime ministers. Manuel Valls will be the minister for overseas affairs, and Elisabeth Borne will take the education ministry.Seahawks-Bears called ‘worst game in NFL history’ as fans demand huge change to Thursday Night Football

US to send $1.25 billion in weapons to Ukraine, pushing to get aid out before Biden leaves officeHouse Ethics Committee accuses Gaetz of 'regularly' paying for sex, including with 17-year-old girlThe S&P 500 fell less than 0.1% after spending the day wavering between small gains and losses. The tiny loss ended the benchmark index’s three-day winning streak. The Dow Jones Industrial Average added 0.1% and the Nasdaq composite fell 0.1%. Trading volume was lighter than usual as US markets reopened following the Christmas holiday. Semiconductor giant Nvidia, whose enormous valuation gives it an outsize influence on indexes, slipped 0.2%. Meta Platforms fell 0.7%, and Amazon and Netflix each fell 0.9%. Tesla was among the biggest decliners in the S&P 500, finishing 1.8% lower. Some tech companies fared better. Chip company Broadcom rose 2.4%, Micron Technology added 0.6% and Adobe gained 0.5%. Health care stocks were a bright spot. CVS Health rose 1.5% and Walgreens Boots Alliance added 5.3% for the biggest gain among S&P 500 stocks. Several retailers also gained ground. Target rose 3%, Ross Stores added 2.3%, Best Buy rose 2.9% and Dollar Tree gained 3.8%. Traders are watching to see whether retailers have a strong holiday season. The day after Christmas traditionally ranks among the top 10 biggest shopping days of the year, as consumers go online or rush to stores to cash in gift cards and raid bargain bins. US-listed shares in Honda and Nissan rose 4.1% and 16.4% respectively. The Japanese car makers announced earlier this week that the two companies are in talks to combine. All told, the S&P 500 fell 2.45 points to 6,037.59. The Dow added 28.77 points to 43,325.80. The Nasdaq fell 10.77 points to close at 20,020.36. Wall Street also got a labour market update. US applications for unemployment benefits held steady last week, though continuing claims rose to the highest level in three years, the Labour Department reported. Treasury yields mostly fell in the bond market. The yield on the 10-year Treasury slipped to 4.58% from 4.59% late on Tuesday. Major European markets were closed, as well as Hong Kong, Australia, New Zealand and Indonesia. Trading was expected to be subdued this week with a thin slate of economic data on the calendar.

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In his home studio in Alameda, composer Brian Baumbusch creates and records music that a friend says is like a diamond because each composition’s structure is so strong it can’t crumble, even when listened to 10 times or more. Related Articles “I write music that’s not difficult on the ear, music that’s pleasing on the surface and internally, inconspicuously complex,” Baumbusch says of his recent album, “Polytempo Music” ( ). “The average person can listen to the music, and it’s stimulating and beautiful. You don’t have to understand it’s harmonic lineage to want to hear it again and again.” Baumbusch, like his music, has a complex, poly-influenced lineage ( ). He grew up in a Washington, D.C., suburb in a family whose members include an architect, tax lawyer, fine art painter, polymaths and musicians. His parents were supportive of science, technology and the arts and took their three sons to operas and symphonies but also emphasized academics. Baumbusch says that, playing in the family’s Presbyterian church bell choir, he discovered at a young age that music came easily to him. “I always had music running in my mind — any ear worm on the radio,” he says. “I took piano, then merged to a drum set, then trumpet, violin, viola, clarinet and finally landed on guitar when I was 12. I was also into sports, was captain of the basketball team and played football. After I injured my shoulder my freshman year, I shifted my attention to music.” Baumbusch attended and finished high school at the Interlochen Center for the Arts in Interlochen, Michigan, earned an undergraduate degree in music composition from Bard College in Annandale-on-Hudson, New York, completed his master’s degree at Oakland’s Mills College and received a doctorate in musical arts from UC Santa Cruz. His eclectic interests have drawn him in multiple directions: from the extended tracks of REM, Pearl Jam, Sublime and the Grateful Dead to Claude Debussy’s piano music, minimalist and electronic music, Balinese gamelan and other non-Western music. Asymmetrical rhythms, poly-tempos, time-expanded harmonic phases, variable tunings and other features in his work mingle to leave an impression of listening to multiple sound worlds simultaneously. “When I was 15, I heard the album ‘Buena Vista Social Club.’ That broke open the musical world for me. There’s rhythmic complexity, different structure than Western-based music. It was rebellion in me that made me realize what I’d been taught left out microtonality, alternative tuning theory, anti-academic music from around the world.” He says a particular interest in the perception of time that began when he was a kid also captivates him and that he could sense exactly when pasta cooking on the stovetop was about to boil over or how long he had been outdoors without timers or clocks. “I found there is catharsis in music when I tapped into bending time. I make music that shapes time. It’s music you can extend, hear over and over and never exhaust the interest and complexity.” Another avenue of thought, audience experience and interaction with music, led Baumbusch to consider the visual element of listening. He taught himself software coding, put on a virtual reality headset, linked into the open-source game development program Unity and explored the ChatGPT artificial intelligence chatbot, pairing different instrumental lines with individual colors and movements. Baumbusch says the screen-based software he developed lets a “player” wearing a headset move within his new album and customize the listening experience. “If you look at a cellist in an orchestra, it aids your ear in hearing that line within a dense texture. Bringing complex music’s visual side into the recorded sphere, I’m helping (listeners) discern all the threads in a way they might not without the visual.” The interactive spatial opportunity invites the endless revisiting Baumbusch desires for his music. Instead of a fixed situation, a musical work can sonically change as people decide proximity to certain instruments, which instruments are played and other elements. The 12 instruments on “Polytempo Music,” each with their line swirling and morphing in individual colors, can be isolated or recombined. The tracks were recorded separately by members of the San Francisco Contemporary Music Players and later synchronized by Baumbusch. “You can’t change the timeline or notes, but you can listen to just the oboe the whole time if you want,” he says. “I’d say you’re the orchestrator. You have creative license for what to emphasize.” He likes the term “liquid architecture” that’s associated with American animator and inventor John Whitney, referring to music as a malleable shape that moves through time. “We want to visualize music through dance, graphic scores and other means. Finding this medium where I could move sound around in space — it connected for me.” For audiences he says the interactive technology demonstrates the full power of music. “We can revisit a piece of music that connected to emotional peaks and troughs,” he says. “It allows you to take ownership of that and how you want to shape your experience in the future. “Music that’s fixed to a time period is more limited, like if there’s a singer in the foreground and lyrics that are specific. With other music, there are a lot of types that can not only be a single message but become an experience that can go with you and resonate throughout your life.” Baumbusch says he has launched a new label, Holography Records, that offers other artists a chance to learn and record their music using the audiovisual technology. Asked if there are musical genres that might be difficult or even impossible to use effectively with the technology, Baumbusch says he is still experimenting. He mentions a recent demo he made with traditional Iranian music that does have a singer and a band but notes that the compositional architecture is complex and every musical element has unique features that can be manipulated to endlessly create new sound worlds. “I’m working to figure out what music works because this is becoming my business model — making music you can interact with and move around. Music like Taylor Swift’s, with a lead singer and other things that subjugate around that voice: Would it benefit? I’m not sure, but that’s the learning part of this new record label, so who knows?” For more information, visit online.