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 : Pick your top priorities 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.” Be as specific as possible 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. Track your progress 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. Automate where you can 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.” Adjust as needed “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. Team up with a friend 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 .Through all the upsets, unexpected rises and falls, there are nine teams still in the mix to play in the conference championship game. No. 14 Arizona State and No. 17 Iowa State have the best odds, yet a multitude of scenarios could play out — 256 to be exact. There's even the possibility of an eight-team tie. It may take a mathematician to figure out which teams are in the Dec. 7 game in Arlington, Texas — even for the ones who win. Travis Hunter, Colorado. The Buffaloes' two-way star has excelled on both sides of the field, making him one of the favorites to win the Heisman Trophy. Cam Skattebo, Arizona State. The senior running back can do a little of everything, but excels at punishing would-be tacklers. He's one of the nation's leaders in yards after contact and the focal point of the Sun Devils' offense. Shadeur Sanders, Colorado. If it weren't for Hunter, Sanders might be the Heisman favorite. The son of coach Deion Sanders, Shedeur is fifth nationally with 3,488 yards passing and has been a big part of the Buffaloes' turnaround. DJ Giddens, Kansas State. The Wildcats' running back is one of the nation's most versatile players. He is ninth nationally with 1,271 rushing yards and has added 21 receptions for 258 yards. Tetairoa McMillan, Arizona. The Wildcats have struggled this season, but McMillan has not. He is third nationally with 1,251 receiving yards with seven touchdowns on 78 catches. Jacob Rodriguez, Texas Tech. The Red Raiders' junior linebacker leads the Big 12 with 68 tackles, averaging 10.2 per game. He also has four sacks. Brendan Mott, Kansas State. He's a menace to opposing quarterbacks, leading the Big 12 with 8 1/2 sacks. The Big 12 has nine teams already bowl eligible and two more a win away. The winner of the Big 12 championship game will be in the mix for a College Football Playoff spot. Arizona State, Iowa State, No. 19 BYU, Colorado, Kansas State, Baylor, TCU, Texas Tech and West Virginia have already clinched bowl berths. Kansas and Cincinnati can get into the postseason with wins this weekend. Gus Malzahn, UCF. Despite successes in recruiting, the Knights are 10-14 in two seasons since moving to the Big 12. Maybe not enough to get shown the door this year, but another mediocre season could lead UCF to make a change. Kyle Whittingham, Utah. Whittingham was one of the Pac-12's best coaches, leading the Utes to consecutive conference titles. Utah was expected to contend for the Big 12 title its first year in the league, but enters the final weekend 1-7 in conference play, which could push Whittingham toward retirement since it's doubtful he'd be fired. Neal Brown, West Virginia. The Mountaineers' coach was in a precarious spot at the end of last season and West Virginia hasn't lived up to expectations this season. The Mountaineers are eligible to go to a bowl game for the second straight season, but Brown could be on the hot seat even after signing a contract extension before the season. Josiah Trotter, West Virginia. The redshirt freshman is the latest Trotter to have success at the linebacker position, following the footsteps of his father, former Philadelphia Eagles player Jeremiah Trotter, and brother Jeremiah Trotter Jr., a current Eagles linebacker. Sam Leavitt, Arizona State. The Michigan State transfer has been just what the Sun Devils' needed: an agile quarterback who extends plays with his legs and rarely makes bad decisions. Bryson Washington, Baylor. The Bears' running back has rushed for 812 yards — 196 against TCU — and 10 TDs. TCU has the Big 12's highest rated 2025 recruiting class with six four-star players among 26 commitments, according to the 247 Sports composite. Receiver Terry Shelton of Carrollton, Texas, is the highest-rated recruit at 71st nationally. Baylor is next with five five-star players among its 20 commitments, including running back Michael Turner, rated 13th at his position out of North Richland Hills, Texas. Texas Tech is ranked seventh in the Big 12, but has four four-star recruits.
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The jihadi rebels who toppled Syrian President Bashar Assad say they want to build a unified, inclusive country. But after 14 years of civil war, putting that ideal into practice will not be easy. For Syria’s Kurdish minority, America’s closest ally in the country, the struggle for a new order is entering a potentially even more challenging phase. Over the course of Syria’s civil war , Kurdish fighters have fended off an array of armed factions, partnered with the U.S. to rout the Islamic State group and carved out a largely autonomous region in the country’s oil-rich east. But the gains of the non-Arab Kurds are now at risk. The ascendance of the Sunni Arab rebels who overthrew Assad — with vital help from Turkey, a longtime foe of the Kurds — will make it hard for the Kurds to find a place in the new Syria and could prolong the conflict. The jihadi rebels who rode into Damascus over the weekend have made peaceful overtures to the Kurds. But the rebels violently drove Kurdish fighters out of the eastern city of Deir al-Zour days after government forces abandoned it. To the north, a separate opposition faction backed by Turkey that has been battling the Kurds for years seized the town of Manbij. And Turkey carried out airstrikes on a Kurdish convoy it said was carrying heavy weapons looted from government arsenals. The Kurds have long counted on U.S. aid in the face of such challenges. Around 900 American troops are in eastern Syria, where they partner with Kurdish forces to prevent an Islamic State resurgence . But the future of that mission will be thrown into doubt under president-elect Donald Trump, who has long been skeptical about U.S. involvement in Syria. Here's a closer look at the predicament the Kurds find themselves in. The Kurds are among the largest stateless ethnic groups in the world, with some 30 million concentrated in a territory straddling Turkey, Iran, Iraq and Syria. They are a minority in each country and have often suffered persecution, which has fueled armed Kurdish uprisings. In Syria, they carved out an autonomous enclave early in the civil war, never fully siding with the Assad government or the rebels seeking to topple him. When the Islamic State group seized a third of the country in 2014, Kurdish fighters — who are secular and include women in their ranks — proved their mettle in early battles against the extremists, earning support from the U.S.-led coalition. They formed a group known as the Syrian Democratic Forces, which also includes Arab fighters, and drove the Islamic State group out of large areas of Syria with help from U.S.-led airstrikes and American special forces. In 2017, these Kurdish-led forces captured Raqqa, the capital of the extremists' self-styled caliphate . Turkey has long viewed the SDF as an extension of the decades-old Kurdish insurgency within its own borders. It considers the main Kurdish faction a terrorist group on par with the Islamic State and has said it should have no presence in the new Syria. In recent years, Turkey has trained and funded fighters known as the Syrian National Army, helping them wrest control of territory from the Kurds in northern Syria along the border with Turkey. These Turkish-backed fighters have portrayed themselves as part of the opposition against Assad, but analysts say they are largely driven by opportunism and hatred of the Kurds . The Kurds have focused on battling the SNA in recent years. But the new leadership in Damascus, which also has longstanding ties to Turkey, could open another, much longer front. The main rebel faction is led by Ahmad al-Sharaa, formerly known as Abu Mohammed al-Golani , a former al-Qaida militant who cut ties with the group eight years ago and says he wants to build a new Syria free of dictatorship that will serve all its religious and ethnic communities. Nawaf Khalil, head of the Germany-based Center for Kurdish Studies, said the early signs were positive. He said the rebels steered clear of two SDF-controlled enclaves of Aleppo when they stormed the city two weeks ago at the start of their rapid advance across the country. “It is also positive that they did not speak negatively about the Syrian Democratic Forces," he said. It remains to be seen if those sentiments will endure. After sweeping into Deir al-Zour this week, a fighter from al-Sharaa's group posted a video saying they would soon advance toward Raqqa and other areas of eastern Syria, raising the possibility of further clashes with the Kurds. The rebels could still seek some kind of agreement with the Kurds to incorporate them into the post-Assad political order, but that would likely require accepting a degree of Kurdish autonomy in the east. It would also risk angering Turkey, which now appears to be the chief power broker in Syria. The top U.S. military commander for the Middle East, Army Gen. Erik Kurilla, met with SDF forces in Syria on Tuesday, in a sign of the Biden administration's commitment to the alliance post-Assad. But things could change on Jan. 20. Trump has provided few details about his Middle East policy, aside from saying he wants to end the region's wars and keep the United States out of them. In a social media post shortly before Assad was overthrown, Trump wrote that “Syria is a mess, but is not our friend, & THE UNITED STATES SHOULD HAVE NOTHING TO DO WITH IT. THIS IS NOT OUR FIGHT.” During his previous term, in 2019, Trump abandoned the Kurds ahead of a Turkish incursion, casting it as the fulfillment of a campaign promise to end U.S. involvement in the region's “endless wars.” The move prompted heavy criticism, including from prominent Republicans who accused him of betraying an ally. Trump backtracked weeks later, approving a wider mission to secure oil fields in the east. The troops remained where they were and the alliance endured. Associated Press writer Bassem Mroue in Beirut contributed. Follow the AP's Syria coverage at https://apnews.com/hub/syriaRapid City’s sales tax report through September shows the sales tax collections for the first nine months of 2024 total more than $64.9 million, a 3.04% increase over the $63 million reported in sales tax collections for the first three quarters of 2023. The total of sales tax receipts collected in September set a record for receipts received in the ninth month of the year. More than $7.64 million was collected in September, surpassing the previous mark of $7.48 million in sales tax receipts collected in September 2023. The tourism sales tax collected in September totaled $545,061, slightly lower than the $559,732 collected in September 2023. For the first three quarters of this year — through nine months — more than $4.6 million has been received in total sales tax collections, a 3.01% increase over the first nine months of 2023. General fund city sales tax receipts collected in September totaled $3.55 million, higher than the $3.46 million collected in September 2023. The nine-month total for this category of receipts stands at more than $30.14 million, a 3.10% increase over the $29.24 million collected in the classification for the first nine months of 2023. General Fund sales tax collections are trending nearly $350,000 lower than budgeted by the city. “Overall collections are running higher each month when compared to the same month a year ago but slightly lower than what we anticipated and budgeted for the year,” said Finance Director Daniel Ainslie. “Where we stand for the year will depend on the final quarter of collections. The last quarter of the year always brings enthusiasm and hopeful expectations as this period includes great community and regional events around the holidays, and we are hoping for nice weather to bring many people to town.”
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