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 .(BPT) - Tech gifts are consistently some of the most popular presents to give and receive during the holidays. In fact, according to the annual Consumer Technology Holiday Purchase Patterns report , a record 233 million U.S. adults (89%) will buy tech products during the 2024 holiday season. But with so many devices out there, it can be hard to decide on the perfect option for the loved one on your list. A tablet like the new Fire HD 8 from Amazon offers the versatility of an all-in-one device, with access to streaming, gaming, video chatting, reading or writing all at your fingertips. Fire HD 8 also features a vibrant 8-inch HD display and lightweight, portable design, for high-quality entertainment on the go. Plus, Fire HD 8 comes with three new AI features that can help you get the most out of your tablet experience. Check them out below and learn how they can help you with daily tasks this holiday season and beyond. 1. Meet your personal writing assistant Do you struggle with writing a heartfelt message or finessing a tricky email? Fear not! Writing Assist is here to help. Writing Assist works as part of your Fire tablet's device keyboard and compatible apps, including email, Word documents and social media. In just a few taps, you can transform your writing from good to great. Try Writing Assist's pre-set styles to turn a simple email into a professionally written note. Or, you can ask Writing Assist for grammar suggestions to make your writing more concise, or elaborate on your ideas. You can even "emojify" your writing to add more fun and personality. 2. Learn more in less time Say goodbye to scrolling through pages of information. The new Webpage Summaries feature allows you to learn pertinent information as quickly as possible. Available on the Silk browser on Fire tablets, Webpage Summaries provides quick insights on web articles. In a matter of seconds, this feature will distill the key points in an article or on a webpage into a clear, concise summary of what you need to know. 3. Get creative with your device wallpaper With Wallpaper Creator, you can easily add a touch of creative flair and customization to your tablet's home screen. You can choose from one of the curated prompts to get started on creating a unique background. Or, if you're ready to let your imagination run wild, type a description of what you'd like to see. For example, you can ask for an image of a tiger swimming underwater or a watercolor-style image of a desert landscape in space. Wallpaper Creator will then turn your vision into a reality, delivering a high-resolution image that you can use as your tablet's wallpaper. Celebrate an AI-powered holiday season Writing Assist, Webpage Summaries, and Wallpaper Creator are now available on Amazon's new Fire HD 8 and other compatible Fire tablet devices, including the latest Fire HD 10 and Fire Max 11 tablets. To learn more, or to order a new Fire tablet this gift-giving season, visit Amazon.com .Oilers defenceman Nurse torched by Jay Rosehill following comments on Reaves
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US sex-abuse watchdog fires investigator after learning of his arrest for stealing drug money DENVER (AP) — The U.S. Center for SafeSport abruptly fired one of its investigators last month after learning he’d been arrested for stealing money confiscated after a drug bust he was part of during his previous job as a police officer. Jason Krasley left his job with the Allentown Police Department in Pennsylvania in 2021 and was hired by the Denver-based SafeSport center to look into sensitive cases involving sex abuse and harassment. The center said it conducts multiple interviews and a “comprehensive background check” of potential employees. The center said it was looking into cases Krasley handled to make sure they were dealt with appropriately. Jim Larrañaga steps down at Miami, Bill Courtney takes over to finish season CORAL GABLES, Fla. (AP) — Jim Larrañaga has stepped down as Miami’s men’s basketball coach effective immediately. Larrañaga will be replaced by associate head coach Bill Courtney — one of Larrañaga’s best friends for the past three decades or so — for the remainder of the season. The now-former coach says he loves the university but believes it's the right time to step away. Larrañaga says "I’ve tried every which way to keep this going.” Larrañaga joins a long line of prominent college basketball coaches who have left their jobs in recent years citing the changes in the game and the challenge of coaching in the name, image and likeness era. Cowboys shutting down CeeDee Lamb with 2 games to go over receiver's shoulder issue FRISCO, Texas (AP) — The Dallas Cowboys are shutting down CeeDee Lamb with two games remaining after their 2023 All-Pro receiver spent the second half of the season dealing with a sprained right shoulder. The team says additional exams revealed enough damage to keep Lamb off the field Sunday at Philadelphia and in the final game at home against Washington. The team says surgery isn't expected to be required. Dallas was eliminated from playoff contention a few hours before last weekend’s 26-24 victory over Tampa Bay. At least 65 million tune in for Netflix NFL Christmas Day games. NBA holiday ratings also skyrocket LeBron James is going to have to make room for the NFL. Wednesday’s doubleheader on Netflix set records as the most-streamed NFL games in U.S. history, with numbers nearly five times more than the NBA. The Baltimore Ravens’ 31-2 victory over the Houston Texans averaged 24.3 million while Kansas City’s 29-10 win at Pittsburgh averaged 24.1 according to early viewer figures released by Nielsen on Thursday. Nielsen also said there were 65 million U.S. viewers who tuned in for at least one minute of one of the two games. The NBA’s five-game slate averaged about 5.25 million viewers per game across ABC, ESPN and its platforms, according to the league and Nielsen. Pat Riley says the Miami Heat will not trade Jimmy Butler ORLANDO, Fla. (AP) — If Jimmy Butler wants a trade, the Miami Heat have no plans to make him happy. Heat President Pat Riley — in a rare move — spoke out to address rumors Thursday, saying the team has no plans to trade Butler. It’s a clear sign that, if necessary, the team will be willing to let Butler leave as a free agent and get nothing in return. Riley says in a release distributed by the team "we usually don’t comment on rumors, but all this speculation has become a distraction to the team and is not fair to the players and coaches.” Penn State offensive coordinator Kotelnicki's creativity has the Nittany Lions humming in the CFP Penn State's offense is thriving under first-year offensive coordinator Andy Kotelnicki. The Nittany Lions are one of a handful of Power Four schools averaging 200 yards per game rushing and receiving heading into their College Football Playoff quarterfinal against Boise State. Penn State has one of the most unique offensive weapons in the country in tight end Tyler Warren. Warren has 92 receptions this season and has become a threat out of the backfield, rushing for 197 yards and two touchdowns. Organizers say two sailors have died in Sydney to Hobart yacht race amid wild weather conditions SYDNEY (AP) — Organizers said that two Sydney to Hobart sailors have died at sea amid wild weather conditions that forced line honors favorite Master Lock Comanche to withdraw among mass retirements. The Cruising Yacht Club of Australia, which administers the yacht race, has said that one sailor each on entrants Flying Fish Arctos and Bowline were killed after being struck by the boom, a large horizontal pole at the bottom of the sail. The race will continue as the fleet continues its passage to Constitution Dock in Hobart, with the first boats expected to arrive later on Friday or early Saturday morning. Haaland penalty failure and Fernandes red card pile on woes for City and United in Premier League Erling Haaland’s failure from the penalty spot and Bruno Fernandes’ latest red card have compounded the woes of Manchester City and Manchester United on another tough day for the two Premier League giants. City dropped more points in its improbably poor run of form by drawing 1-1 at home to Everton. Haaland had a spot kick saved by England goalkeeper Jordan Pickford. The defending champions have only won one of its last 13 games in all competitions. City is languishing in seventh place while United is 14th after a 2-0 loss at Wolverhampton. Fernandes was sent off in the 47th. First-place Liverpool beat Leicester 3-1 in foggy conditions at Anfield and leads by seven points. Simona Halep withdraws from Australian Open qualifying because of knee and shoulder pain MELBOURNE, Australia (AP) — Two-time Grand Slam champion Simona Halep has pulled out of Australian Open qualifying and a tuneup tournament in Auckland, New Zealand, because of pain in her knee and shoulder. Thursday's news represents the latest interruption of her comeback from a drug suspension. Halep posted on social media that she was feeling poorly after participating in an exhibition event in Abu Dhabi. The 33-year-old Romanian said she is planning to next enter the Transylvania Open in her home country, where play begins Feb. 3. Halep was granted a wild-card entry for qualifying in the Australian Open last week. Mahomes throws 3 TDs as Chiefs clinch AFC's top seed by breezing past the skidding Steelers 29-10 PITTSBURGH (AP) — Patrick Mahomes passed for 320 yards and three touchdowns and the Kansas City Chiefs locked up the top seed in the AFC for the fourth time in seven seasons with a 29-10 win over the Pittsburgh Steelers. The two-time defending Super Bowl champions raced to an early 13-point lead and were never really threatened by the Steelers (10-6). Pittsburgh has dropped three straight to see its chances of capturing the AFC North take another hit. Travis Kelce caught eight passes for 84 yards and a touchdown. Kelce also became the third tight end in NFL history to reach 1,000 receptions, joining Tony Gonzalez and Jason Witten.BELLEVUE, Wash.--(BUSINESS WIRE)--Nov 21, 2024-- T-Mobile US, Inc. (NASDAQ: TMUS) (“T-Mobile” or “the Company”) announced today that the Company’s Board of Directors has declared a cash dividend of $0.88 per share on its issued and outstanding shares of common stock. The dividend is payable on March 13, 2025 to stockholders of record as of the close of business on February 28, 2025. About T-Mobile US, Inc. T-Mobile US, Inc. (NASDAQ: TMUS) is America’s supercharged Un-carrier, delivering an advanced 4G LTE and transformative nationwide 5G network that will offer reliable connectivity for all. T-Mobile’s customers benefit from its unmatched combination of value and quality, unwavering obsession with offering them the best possible service experience and undisputable drive for disruption that creates competition and innovation in wireless and beyond. Based in Bellevue, Wash., T-Mobile provides services through its subsidiaries and operates its flagship brands, T-Mobile, Metro by T-Mobile and Mint Mobile. For more information please visit: http://www.t-mobile.com . View source version on businesswire.com : https://www.businesswire.com/news/home/20241120434837/en/ CONTACT: Media Contact T-Mobile US, Inc. Media Relations MediaRelations@t-mobile.comInvestor Relations Contact T-Mobile US, Inc. investor.relations@t-mobile.com KEYWORD: WASHINGTON UNITED STATES NORTH AMERICA INDUSTRY KEYWORD: INTERNET MOBILE/WIRELESS TECHNOLOGY CARRIERS AND SERVICES TELECOMMUNICATIONS SOURCE: T-Mobile US, Inc. Copyright Business Wire 2024. PUB: 11/21/2024 05:15 PM/DISC: 11/21/2024 05:17 PM http://www.businesswire.com/news/home/20241120434837/enThere is a great clanging and clamoring around the offices in Washington, DC, and Mar-a-Lago in Florida. Political operatives, policy wonks and opposition figures are all planning for the arrival of the second Donald Trump administration. I’ve spoken with many of the people in the president-elect’s orbit who are planning how to staff Cabinet departments and set a new tone on the administration’s first day. Much of our discussion has focused on the approach to DEI, or “diversity, equity, and inclusion.” While the officials in Trump world are all committed to abolishing DEI in theory, they have yet to settle on a practical approach for doing so. Here’s how they can shut down DEI — and win the fight for public opinion. DEI bureaucracies became embedded in the federal government as a result of actions by two presidents: Barack Obama, whose Executive Order 13583 laid the groundwork for many national “diversity” initiatives; and Joe Biden, whose Executive Orders 13985 and 14035 entrenched DEI principles into every federal department and routed billions of dollars toward advancing this ideology throughout American society. Given this history, Cabinet officials must work with Trump to rescind those executive orders. In their place, he should sign an order advancing the principle of colorblind equality, stating that the government shall treat all individuals equally according to their merit, rather than unequally according to their ancestry. The second task is harder. It’s one thing to issue an executive order, and another to make it a reality across the sprawling federal bureaucracy. On this score, Trump’s Cabinet should swiftly shut down all DEI programs and terminate the employment of all policy officials responsible for those programs — effective immediately. There is an enormous advantage to acting quickly and aggressively on the first day, when the public is most willing to grant the new administration discretion. Every president has the right to shape his own administration according to his principles, and DEI principles are diametrically opposed to those of Trump, Vice President J.D. Vance and the Cabinet writ large. I have experience implementing such a policy as a trustee at New College of Florida, which became the first institution in America to abolish the DEI department. As expected, this led to frenzied headlines and a fierce public debate. But we were able to cut that debate short because we acted decisively and effectuated our policy immediately. The policy was issued, the department was terminated and the director was pink-slipped — all in one fell swoop. Cabinet officials in the second Trump administration should pursue a similar course of action. They have important work to pursue, and the federal DEI bureaucracy, if not dispatched immediately, will prevent that work from being done effectively. Cabinet secretaries should task their aides with creating a list of all DEI programs, departments and policies, and, if the president issues an order along the lines I’ve outlined, terminate them within hours of the decision. The third step is to win the fight in the press. Here again, our policy at the New College of Florida is instructive. Progressive media outlets tried to turn our elimination of DEI into a negative news cycle, but we outwitted them by speed and substitution. Working quickly ensured that stories about our policy were part of a single news cycle. Simultaneously, we paired our abolition of DEI with a replacement policy that advanced the principle of colorblind equality. This created an immense narrative advantage, as it allowed the public to weigh one approach against another. And public polling data indicate that Americans support a colorblind society over a race-conscious one by a nearly 70-to-20 margin. If Cabinet officials publicly emphasize the concept of colorblind equality, they will ground their case against DEI in popular opinion — and cast their opponents into the fringes. Finally, Cabinet members should take advantage of the inevitable frenzy that will surround the new administration’s various policies and personalities. Abolishing DEI, while important, will register as a secondary headline, and a clean break means these diversity programs need never be addressed again. The principle underlying this course of action is simple: America doesn’t need a permanent DEI bureaucracy, but an effective administration that treats its citizens in a fair manner without regard to race. This is broadly popular, morally just and, with this administration, achievable as public policy for the first time in a generation. My lasting hope is that Trump can disband the DEI bureaucracy — forever. Such a prospect may sound unlikely, but supplemented with legislation in Congress, this administration can persuade the American people never to go back to discrimination under the guise of “equity.” So prepare for the opening salvo. The fight to abolish DEI has arrived. Adapted from the Manhattan Institute’s City Journal .
Vikings thrive under coach of year favorite O'Connell, a relatable state for Packers with LaFleurCheck out Southern's 2025 baseball schedule