Unlocking Operational Excellence with the Keyence LM-1100: Precision, Efficiency, and Reliability 12-13-2024 11:14 PM CET | Industry, Real Estate & Construction Press release from: ABNewswire In today's fast-paced industrial environment, precision and efficiency are paramount. Whether you're in manufacturing, automotive, aerospace, or any other industry that relies on meticulous measurements and rapid processes, having the right tools can make a world of difference. Memory Co., Ltd., a leading supplier of industrial automation solutions, is proud to introduce the Keyence LM-1100 - a cutting-edge laser displacement sensor that redefines the benchmarks of accuracy and performance. Designed to meet the evolving demands of modern industries, the Keyence LM-1100 stands as a testament to our commitment to delivering high-quality products that drive operational excellence. The Heart of Precision: The Keyence LM-1100 [ https://www.memory-ic.jp/keyence-lm-1100/ ] The Keyence LM-1100 is not just another sensor in the market; it's a game-changer. Engineered with advanced technology and crafted from superior materials, this sensor offers unparalleled precision and reliability. The LM-1100 utilizes state-of-the-art laser technology to measure displacements with an accuracy that is second to none, making it ideal for a wide array of applications ranging from precision machining to automated inspection systems. One of the key highlights of the Keyence LM-1100 is its speed. In industries where time is of the essence, the LM-1100s rapid measurement capabilities ensure that processes are streamlined and productivity is maximized. Whether you're measuring the thickness of a material, the displacement of a machine part, or monitoring the position of an object in real-time, the LM-1100 delivers results instantaneously, allowing you to make informed decisions quickly and efficiently. Designed for User-Friendly Operation At Memory Co., Ltd., we understand that the best technology is only as good as its usability. The Keyence LM-1100 is designed with a user-centric approach, ensuring that even those with minimal technical expertise can operate it with ease. The intuitive interface and straightforward setup process mean that you can deploy the sensor quickly and start reaping its benefits without the need for extensive training or additional resources. Moreover, the LM-1100s compact design and robust construction make it ideal for use in a variety of environments. Whether you're working in a dusty factory floor or a sterile laboratory, the LM-1100s durability and versatility ensure that it performs reliably under all conditions. This makes it an invaluable asset for businesses looking to enhance their operational capabilities without compromising on precision or reliability. Competitive Pricing for All Businesses As a leading exporter of industrial automation solutions, Memory Co., Ltd. is committed to making advanced technology accessible to businesses of all sizes. We understand that the cost of equipment can often be a barrier to innovation and growth. Therefore, we offer competitive pricing for both small and large orders of the Keyence LM-1100, ensuring that even startups and SMEs can benefit from this state-of-the-art technology. Our pricing strategy is not just about being affordable; it's about creating value. By offering the Keyence LM-1100 at competitive rates, we're enabling businesses to invest in technology that can significantly improve their operational efficiency and reduce costs over the long term. Whether you're looking to automate a single process or integrate a comprehensive automation system, the Keyence LM-1100 offers an excellent return on investment, helping you achieve your business goals more efficiently. The Power of Precision in Real-World Applications The versatility of the Keyence LM-1100 makes it a valuable tool in a multitude of industries and applications. In manufacturing, for instance, the sensor can be used to measure the thickness of materials, monitor the alignment of machine parts, and ensure the accuracy of finished products. In the automotive industry, the LM-1100 can be employed in quality control processes to detect defects and ensure that components meet stringent specifications. In aerospace, precision is paramount, and the Keyence LM-1100 excels in this area. From measuring the dimensions of aircraft components to ensuring the accuracy of assembly processes, the LM-1100 provides the level of precision needed to meet the rigorous standards of the aerospace industry. Similarly, in the medical field, the sensor can be used in applications that require meticulous attention to detail, such as the manufacturing of medical devices and the inspection of surgical tools. Why Choose Memory Co., Ltd. for Your Keyence LM-1100 Needs? When it comes to choosing a supplier for your Keyence LM-1100 needs, Memory Co., Ltd. stands out for several reasons. Firstly, our extensive experience in the industrial automation sector means that we have a deep understanding of the challenges faced by businesses like yours. We're not just selling products; we're providing solutions tailored to your specific needs. Secondly, our commitment to quality and customer satisfaction is unmatched. We ensure that every Keyence LM-1100 we sell is rigorously tested and certified to meet the highest standards of performance and reliability. Our dedicated customer support team is always available to assist you with any queries or issues you may have, ensuring that you get the most out of your investment. Lastly, our global network of distribution channels means that we can provide the Keyence LM-1100 to businesses worldwide. Whether you're located in Europe, Asia, or anywhere else, we're committed to delivering the highest quality products and services to your doorstep. Conclusion: Embrace the Future of Precision with the Keyence LM-1100 In a world where precision and efficiency are key drivers of success, the Keyence LM-1100 represents a significant leap forward in industrial automation technology. With its unparalleled accuracy, rapid measurement capabilities, and user-friendly design, the LM-1100 is poised to revolutionize the way businesses operate. At Memory Co., Ltd. [ https://www.memory-ic.jp/ ], we're proud to offer this state-of-the-art sensor to our clients. Our commitment to quality, competitive pricing, and exceptional customer service makes us the ideal partner for businesses looking to enhance their operational capabilities. Don't wait to embrace the future of precision; get in touch with us today and discover how the Keyence LM-1100 can transform your business. Media Contact Company Name: MEMORY CO., LTD. Email:Send Email [ https://www.abnewswire.com/email_contact_us.php?pr=unlocking-operational-excellence-with-the-keyence-lm1100-precision-efficiency-and-reliability ] Address:1-23-10 Taito, Taito-ku, Heim Akihabara Room 204 City: Tokyo Country: Japan Website: https://www.memory-ic.jp/ This release was published on openPR.As predictably as night following day, the last gasps of Suicide Squad: Kill the Justice League has seemingly resulted in lost jobs. A CBC Radio Canada report says WB Games Montreal has eliminated 99 jobs, primarily among Keywords subcontractors working on its QA team. One source told the site that employees were informed there wasn't enough work to justify their continued employment during a videoconference meeting on Monday. Employees impacted by the cuts were then given two options at a second meeting: Accept assistance in finding a new job, or sign up for a recall list for when more work becomes available. The source added, however, that more work isn't expected until 2026. The report says roughly 240 Keywords employees work as subcontractors at WB Games Montreal. While; Suicide Squad: Kill the Justice League was developed by Rocksteady, WB Games Montreal is also credited for additional work on the game. The actual layoffs are expected to occur in eight weeks, according to the report. Some employees expressed frustration at the short notice of the cuts: There was apparently no talk of layoffs at the company's biannual meeting in late summer, and sources said they were told there would be enough work to keep them on. Neither Keywords nor WB Games have confirmed the layoffs, but the situation sounds similar to one that occurred at BioWare in September 2023, when 13 Keywords QA employees working on Dragon Age: The Veilguard were laid off . In that case, laid-off Keywords employees picketed BioWare's office in Edmonton to demand their reinstatement; Electronic Arts and BioWare had opposed the plan because the picketers weren't technically BioWare employees, but the Alberta Labour Relations Board sided with the workers, essentially saying that BioWare was their place of employment and thus they had a right to picket there. This week's layoff notification reportedly came just ahead of the announcement of the official end of Suicide Squad support after four seasons. Multiple other studios have laid off employees in December, including Ubisoft , Torn Banner, Sweet Bandits, Illfonic , Deck Nine , and People Can Fly ; the two-years-and-counting bloodbath that's gripped the videogame industry has grown bad enough that even the notoriously controversy-averse Geoff Keighley acknowledged the problem at last night's Game Awards. I've reached out to WB Games Montreal and Keywords for comment and will update if I receive a reply. The biggest gaming news, reviews and hardware deals Keep up to date with the most important stories and the best deals, as picked by the PC Gamer team.
Lebawit Lily Girma | (TNS) Bloomberg News When winter rolls around, travelers predictably turn their attention to beaches. And this year, it’s the destination that comedian Tony Hinchcliffe called “a floating island of garbage in the middle of the ocean” that’s experiencing outsize demand from Americans planning a warm island vacation. Talk about trashing stereotypes. Related Articles Would you pay $700 a night to sleep under the stars at this Colorado resort? Thailand’s starring role in ‘The White Lotus’ is about to pay off 5 under-the-radar travel destinations the UN says you should visit Gift ideas for people planning their next trip Lights and decor, réveillon meals make Christmastime special in New Orleans Puerto Rico has recovered overseas visitors (excluding those from Canada and Mexico) faster than any U.S. state or territory — a staggering 85% increase over its 2019 overseas inbound visitor levels as of 2023, according to an October study from the U.S. National Travel and Tourism Office. There are now more daily flights from the U.S. West Coast, and hotel bookings are 6% higher so far in this last quarter of 2024 year-over-year. It’s a trifecta of tourism growth: more visitors, but also longer stays and a higher spend that reached a record $9.8 billion in 2023, boosting small businesses as well as major brands. “We don’t have a slow season in Puerto Rico anymore,” says Brad Dean, chief executive officer at Discover Puerto Rico. Even if they’re not booking, people are dreaming about “La Isla.” By tracking flight searches for trips between November 2024 and February 2025, a measure of “inspirational” demand, tourism intelligence company Mabrian Technologies reports Puerto Rico is up 9% compared with the same period last year and leads Barbados, the Dominican Republic, Jamaica and the Bahamas in the Caribbean proper. Only Costa Rica ranked higher in the wider region. Dean attributes Puerto Rico’s ongoing tourism growth to a strategic effort to reposition the island’s brand as more than a sun-and-sea destination, starting back in 2018. That led to the Live Boricua campaign, which began in 2022 and leaned heavily on culture, history and cuisine and was, Dean says, “a pretty bold departure” in the way Puerto Rico was showcased to travelers. He adds that at least $2 billion in tourism spend is linked to this campaign. “We (also) haven’t shied away from actively embracing the LGBTQ+ community, and that has opened up Puerto Rico to audiences that may not have considered the Caribbean before,” Dean says. Hotels are preparing to meet this growing demand: A number of established boutique properties are undergoing upgrades valued between $4 million and more than $50 million, including Hotel El Convento; La Concha, which will join the Marriott Autograph Collection; Condado Vanderbilt Hotel; and the Wyndham Grand Rio Mar. That’s in addition to ultra-chic options that are coming online in 2025, including the adults-only Alma San Juan, with rooms overlooking Plaza Colón in the heart of Old San Juan, and the five-star Veranó boutique hotel in San Juan’s trendy Santurce neighborhood. The beachfront Ritz-Carlton San Juan in Isla Verde will also be reopening seven years after Hurricane Maria decimated the island. The travel industry’s success is helping boost employment on the island, to the tune of 101,000 leisure and hospitality jobs as of September 2024, a 26% increase over pre-pandemic levels, according to the U.S. Bureau of Labor Statistics. Efforts to promote Puerto Rico’s provinces beyond the San Juan metro area — such as surfing hub Rincón on the west coast, historical Ponce on the south coast and Orocovis for nature and coffee haciendas in the central mountains —have spread the demand to small businesses previously ignored by the travel industry. Take Sheila Osorio, who leads workshops on Afro-Puerto Rican bomba music and dance at Taller Nzambi, in the town of Loíza, 15 miles east of San Juan; or Wanda Otero, founder of cheese-producing company Vaca Negra in Hatillo, an hour’s drive west of Old San Juan, where you can join a cheese-making workshop and indulge in artisanal cheese tastings. “The list of businesses involved in tourism has gone from 650 in 2018 to 6,100, many of which are artists and artisans,” Dean says. While New Yorkers and Miami residents have always been the largest visitor demographic, Dean says more mainland Americans now realize that going to Puerto Rico means passport-free travel to enjoy beaches, as well as opportunities to dine in Michelin-rated restaurants, hike the only rainforest in the U.S. and kayak in a bioluminescent bay. Visitors from Chicago and Dallas, for example, have increased by approximately 40% from July 1, 2023, to June 30, 2024, compared with the same period in 2022-2023, and more travelers are expected from Denver now that United Airlines Holdings Inc. has kicked off its first nonstop service to San Juan, beginning on Oct. 29. Previously, beach destinations that were easy to reach on direct flights from Denver included Mexico, Belize and California, but now Puerto Rico joins that list with a 5.5-hour nonstop route that cuts more than two hours from the next-best option. Given United Airlines’ hub in San Francisco, it could mean more travelers from the Golden State in the near future, too. In December, U.S. airlines will have 3,000 more seats per day to the territory compared with the same period last year, for a total of 84,731 — surpassing even Mexico and the Dominican Republic in air capacity, according to data from aviation analytics firm Cirium. Luis Muñoz Marín International Airport, the island’s primary gateway, is projecting a record volume of 13 million passengers by year’s end — far surpassing the 9.4 million it saw in 2019. As for Hinchcliffe’s “floating island of garbage” line, Dean says it was “a terribly insensitive attempt at humor” that transformed outrage into a marketing silver lining, with an outpouring of positive public sentiment and content on Puerto Rico all over social media. Success, as that old chestnut goes, may be the best revenge. “It was probably the most efficient influencer campaign we’ve ever had,” Dean says, “a groundswell of visitors who posted their photos and videos and said, ‘This is the Puerto Rico that I know.’” ©2024 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.Expanded CFP field draws more bets and on more teams
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The stunning drop in oil prices can be attributed to a combination of factors that have converged to create a perfect storm in the global oil market. One major factor contributing to the decline is the ongoing tensions between major oil-producing nations, which have led to an oversupply of oil in the market. Additionally, the resurgence of renewable energy sources and the global shift towards greener and more sustainable practices have further dampened the demand for traditional fossil fuels, leading to a surplus of oil and subsequent price drop.Wright runs for 118 yards and 2 TDs, No. 13 Illinois State gets 1st win over North Dakota, 35-13
Bashar al-Assad's government has been accused of carrying out torture, rape, summary executions and other abuses since since Syria's civil war started in 2011. UN investigators have said that accountability must be taken at the highest level after the downfall of the hardline ruler on Sunday. Here is what we know about the extent of the abuses committed: In 2013 a former Syrian army photographer known by the codename "Caesar" fled the country, taking with him some 55,000 graphic images taken between 2011 and 2013. The photos, authenticated by experts, show corpses tortured and starved to death in Syrian prisons. Some people had their eyes gouged out. The photos showed emaciated bodies, people with wounds on the back or stomach, and also a picture of hundreds of corpses in a shed surrounded by plastic bags used for burials. Assad's Syrian government said only that the pictures were "political". But Caesar testified to a US Congress committee and his photographs inspired a 2020 US law which imposed economic sanctions on Syria and judicial proceedings in Europe against Assad's entourage. In Germany and Sweden eight people suspected of crime against humanity were arrested in July in an operation codenamed "Caesar". Germany, the Netherlands and France have since 2022 convicted several top officials from the Syrian intelligence service and militias. UN investigators say they have lists with the names of 4,000 government officials and operatives responsible for abuses. Human Rights Watch (HRW) in 2012 spoke of a "torture archipelago" in which the "use of electricity, burning with car battery acid, sexual assault and humiliation, the pulling of fingernails, and mock execution" were practised in government prisons. The Syrian Observatory for Human Rights said in 2022 more than 100,000 people had died in the prisons since 2011. In 2023, the UN's top court, the International Court of Justice, ordered Syria to stop "inhuman or degrading treatment or punishment". In 2020, seven Syrian refugees filed a complaint in Germany saying that they had been victims of torture and sexual violence, including rape, electric shocks on the genitals, forced nudity or forced abortion between 2011 and 2013. The UN said in 2018 there had been systmatic rape and sexual violence against civilians by soldiers or pro-Assad militias. It said an investigation had found rebels had committed similar crimes, but fewer. On November 25, 2024, the Syrian Human Rights Network (SNHR) said there had been at least 11,553 incidents of sexual violence against women, including girls aged under 18, by the warring parties since March 2011. Some 8,024 could be blamed on the Assad government and the others mainly on the jihadist Islamic State. In 2016 UN investigators said Syrian authorities were responsible for acts which came down to "extermination" and could be compared to "crimes against humanity". It pointed to the Saydnaya prison outside Damascus, which was described in 2017 by Amnesty International as a human slaughter house carrying out a "policy of extermination". The United States said there was a "crematorium" at the prison which was used to dispose of the bodies of thousands of inmates. In 2022 the Syrian Observatory for Human Righs said around 30,000 people had been killed at Saydnaya, some of them after being tortured. In April 2020, the chemical weapons watchdog OPCW accused the Syrian army of chemical weapons attacks in Latamne in northern Syria in 2017. In November 2023 France issued international arrest warrants against Bashar al-Assad, his brother Maher and two generals on suspicion of complicity in the chemical attacks in August 2013 near Damascus, which according to US intelligence left 1,000 dead. Assad's forces have also been accused of using sarin gas on the rebel town of Khan Sheikhun in April 2017, and also of chlorine gas attacks. Assad's government denied using chemical weapons. Israel says it has staged strikes on some chemical weapons sites this week to stop supplies falling into the hands of extremists. acm-lc/jmy/twThe allure of Chinese assets lies in the country's robust economic growth, expanding consumer market, and technological advancements. Despite various challenges, including regulatory scrutiny and geopolitical tensions, Wall Street funds have continued to bet heavily on the long-term potential of Chinese companies.
Share Tweet Share Share Email Investors are increasingly exploring opportunities beyond traditional stocks and bonds. This strategy, known as non-traditional asset investment, offers a way to diversify portfolios, mitigate risks, and tap into alternative sources of returns. As markets grow more complex, understanding these unique investment avenues becomes crucial for both novice and seasoned investors . What Are Non-Traditional Assets? Non-traditional assets encompass a broad range of investments outside the standard equity and fixed-income securities. These assets can include real estate, commodities, private equity, hedge funds, collectibles, cryptocurrencies, and more. Unlike traditional assets, these alternatives often exhibit lower correlation with mainstream markets, making them valuable for diversification. Key Characteristics of Non-Traditional Assets Illiquidity: Many alternative investments, like real estate or private equity, are not easily sold or converted to cash. Unique Risk-Reward Profiles: These assets may carry higher risk but also offer the potential for greater returns. Limited Market Transparency: Non-traditional investments often lack the level of public information available for traditional securities. Specialized Knowledge Required: Investing in alternatives often demands a deep understanding of the asset class and its dynamics. Benefits of Diversifying with Non-Traditional Assets Diversification remains a cornerstone of prudent investing. Incorporating non-traditional assets into a portfolio can deliver several benefits: Risk Mitigation Non-traditional assets often move independently of stock and bond markets. For instance, during periods of equity market downturns, investments in gold or real estate may hold their value or even appreciate, acting as a hedge. Enhanced Returns Alternative investments can outperform traditional markets, especially in niche areas like private equity or venture capital. These sectors provide opportunities to capture higher returns through innovative business models and under-the-radar growth. Inflation Protection Certain non-traditional assets, such as commodities and real estate, are excellent hedges against inflation. As prices rise, so does the value of these tangible assets, preserving purchasing power. Popular Types of Non-Traditional Assets Real Estate Investing in real estate, whether residential, commercial, or industrial, offers tangible value and consistent income through rent. Real estate investment trusts (REITs) provide a more liquid way to access this market. Commodities Commodities like gold, silver, oil, and agricultural products offer an effective hedge against market volatility and inflation. Their value often rises when equity markets falter. Private Equity Private equity involves investing in private companies, often through venture capital or buyout funds. These investments can yield significant returns but require a long-term commitment and higher risk tolerance. Hedge Funds Hedge funds employ diverse strategies to generate returns, such as short selling, leveraging, and arbitrage. While they can deliver substantial gains, they’re typically accessible only to accredited investors due to their complexity and risks. Cryptocurrencies Digital currencies like Bitcoin and Ethereum have emerged as a new frontier for investment. While highly volatile, they offer opportunities for substantial gains and diversification from traditional markets. Collectibles and Art Items like fine art, rare coins, vintage cars, and wine are gaining traction as investment vehicles. These tangible assets combine aesthetic value with the potential for financial appreciation. Challenges of Investing in Non-Traditional Assets Illiquidity Many non-traditional assets cannot be quickly sold, which can pose challenges during financial emergencies. High Fees Alternative investments often come with higher fees for management, transaction, and performance compared to traditional investments. Complexity Understanding the nuances of non-traditional assets requires specialized knowledge. Without it, investors risk making poor decisions. Regulatory Risks Some non-traditional assets, like cryptocurrencies, operate in regulatory gray areas. This uncertainty can add to the risk profile. How to Get Started with Non-Traditional Investments Assess Your Risk Tolerance: Understand your financial goals and appetite for risk before venturing into alternatives . Research Thoroughly: Gain a deep understanding of the asset class you’re interested in. Consult experts or leverage resources like financial advisors. Start Small: Begin with a modest allocation to non-traditional assets to minimize risk. Diversify Within Alternatives: Just as with traditional investments, spread your investments across different non-traditional assets to further reduce risk. Leverage Technology: Platforms and apps now make it easier to invest in alternatives like real estate crowdfunding or cryptocurrency trading. The Future of Non-Traditional Investments With advances in technology and globalization, the landscape for alternative investments is expanding. Blockchain technology, for instance, is transforming the art and real estate markets through tokenization, making these assets more accessible. Similarly, the rise of environmental, social, and governance (ESG) investing is reshaping alternative markets, as investors seek opportunities that align with their values. Conclusion Non-traditional asset investment offers a compelling path to diversify portfolios and achieve financial goals. While these investments come with challenges, the potential rewards—ranging from enhanced returns to risk mitigation—make them an attractive option. By approaching them with caution, research, and a clear strategy , investors can unlock the benefits of this dynamic and advancing sector. Related Items: Beyond Stocks and Bonds , Non-Traditional Asset Investment , Real Estate Investment Share Tweet Share Share Email Recommended for you Tokenized Real Estate Investment: Digital Ownership of Property The Housing Crisis in Silicon Valley: Causes and Solutions Optimize Your Gains with High Dividend Yields CommentsNEW YORK — The messy process of trying to avert a US government shutdown offers investors a glimpse into challenges the incoming Trump administration will face in implementing its agenda, adding a market concern for the coming year. While the showdown has so far not rattled markets, investors said it helped feed into the volatility unleashed by the Federal Reserve's projection on Wednesday (Thursday in Manila) for fewer US interest rate cuts next year. Register to read this story and more for free . Signing up for an account helps us improve your browsing experience. OR See our subscription options.
In a recent interview, one of Salzburg's key defenders emphasized the importance of approaching the match with courage and a positive mindset. He stressed the need for the team to believe in themselves and their abilities, even when facing a powerhouse like Paris Saint-Germain. "We cannot be intimidated by their star-studded lineup or their reputation," the defender stated. "We must be brave and confident in our own qualities."In conclusion, Inter Milan’s ambitions to win the Serie A title and excel in the Champions League are driven by a strong desire for success and excellence. Marco Parolo’s insightful comments underline the team’s determination to achieve their goals, while also acknowledging the potential threats that they may face, particularly from a resurgent Lazio side. As the season unfolds, fans can expect an exciting and competitive race for the Serie A crown, with Inter Milan looking to overcome all obstacles and emerge victorious in both domestic and European competitions.Crash diets promise rapid weight loss results by severely restricting your calorie intake. However, these diets are often unsustainable and can have serious health implications. Rapid weight loss can lead to muscle loss, nutrient deficiencies, and may even slow down your metabolism. Instead of resorting to extreme dieting, focus on making gradual, sustainable changes to your eating habits for long-term weight management and overall well-being.
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FACT FOCUS: Inspector general’s Jan. 6 report misrepresented as proof of FBI setupNEW YORK (AP) — With the end of 2024 around the corner, you might be reflecting on financial goals for 2025. Whether you're saving to move out of your parents' house or pay off student loan debt, financial resolutions can help you stay motivated, said Courtney Alev, consumer advocate for Credit Karma. “Entering a new year doesn’t erase all our financial challenges from the prior year," Alev said. “But it can really help to bring a fresh-start mentality to how you’re managing your finances.” If you’re planning to make financial resolutions for the new year, experts recommend that you start by evaluating the state of your finances in 2024. Then, set specific goals and make sure they're attainable for your lifestyle. Here are some tips from experts: Think about how you currently deal with finances — what's good, what's bad, and what can improve. “Let this be the year you change your relationship with money,” said Ashley Lapato, personal finance educator for YNAB, a budgeting app. If you feel like money is a chore, that there's shame surrounding the topic of money, or like you were born being “bad at money,” it's time to change that mentality, Lapato said. To adjust your approach, Lapato recommends viewing money goals as an opportunity to imagine your desired lifestyle in the future. She recommends asking questions like, “What do my 30s look like? What do my 40s look like?” and using money as a means to get there. Liz Young Thomas, head of SoFi Investment Strategy, added that it’s key you forgive yourself for past mistakes in order to move into the new year with motivation. When setting your financial resolutions for 2025, it's important to establish the “why” of each, said Matt Watson, CEO of Origin, a financial tracking app. “If you can attach the financial goal to a bigger life goal, it’s much more motivating and more likely you’ll continue on that path,” Watson said. Whether you're saving to buy a house, pay off credit card debt or take a summer vacation, being clear about the goal can keep you motivated. Watson also recommends using a tool to help you keep track of your finances, such as an app, spreadsheet, or website. “After three years of inflation, your pay increases are likely still playing catch up to your monthly expenses, leaving you wondering where all the money is going," said Greg McBride, chief financial analyst at Bankrate. "Make that monthly budget for 2025 and resolve to track your spending against it throughout the year." McBride said that you may need to make adjustments during the year as certain expenses increase, which would require cutting back in other areas. “Calibrate your spending with your income, and any month you spend less than budgeted, transfer the difference into your savings account, ideally a high-yield savings account,” he said. “Interest rates aren’t likely to come down very fast, so you’re still going to have to put in the hard work of paying down debt, especially high-cost credit card debt, and do so with urgency,” McBride said. Start by taking stock of how much debt you have now relative to the beginning of the year. Hopefully you’ve made steady progress on paying it down, but, if you’ve gone in the other direction, McBride encourages making a game plan. That includes looking into 0% balance transfer offers. “You have more power over credit card interest rates than you think you do," said Matt Schulz, chief credit analyst at LendingTree. “Wielding that power is one of the best moves you can make in 2025.” A 0% balance transfer credit card is “a good weapon” in the fight against high card APRs, or annual percentage rates, he said. A low-interest personal loan is an option as well. You may simply be able to pick up the phone and ask for a lower interest rate. LendingTree found that a majority of people who did that in 2024 were successful, and the average reduction was more than 6 points. When planning for your financial resolutions, it’s important to consider how you’re going to make your goals sustainable for your lifestyle, said Credit Karma's Alev. “It really is a marathon, not a sprint,” Alev said. Alev recommends setting realistic, practical goals to make it easier to stick with them. For example, instead of planning to save thousands of dollars by the end of the year, start by saving $20 a paycheck. Even when your plans are achievable, there are times you'll get derailed. Maybe it’s an unexpected medical bill or an extraordinary life event. When these situations happen, Alev recommends trying not to feel defeated and working to get back on track without feeling guilty. “You can't manage what you can't see, so set a New Year’s resolution to check your credit score monthly in 2025," said Rikard Bandebo, chief economist at VantageScore. “Be sure to pay more than the minimum on your credit accounts, as that's one of the best ways to boost your credit score.” Bandebo also advises student loan borrowers to make all payments on time, as servicers will begin to report late payments starting in January, and missed payments will affect borrowers' credit scores. Automated changes, like increasing workplace 401(k) plan contributions, setting up direct deposits from paychecks into dedicated savings accounts, and arranging for monthly transfers into an IRA and/or 529 college savings accounts all add up quickly, McBride said. Your financial goals can encompass more than just managing your money better — they can also be about keeping your money safe from scams . A golden rule to protect yourself from scams is to “slow down,” said Johan Gerber, executive vice president of security solutions at Mastercard. “You have to slow down and talk to other people if you’re not sure (whether or not) it’s scam,” said Gerber, who recommends building an accountability system with family to keep yourself and your loved ones secure. Scammers use urgency to make people fall for their tricks, so taking your time to make any financial decision can keep you from losing money. Your financial goals don’t always have to be rooted in a dollar amount — they can also be about well-being. Finances are deeply connected with our mental health, and, to take care of our money, we also need to take care of ourselves. “I think that now more than any other year, your financial wellness should be a resolution," said Alejandra Rojas, personal finance expert and founder of The Money Mindset Hub, a mentoring platform for women entrepreneurs. "Your mental health with money should be a resolution.” To focus on your financial wellness, you can set one or two goals focusing on your relationship with money. For example, you could find ways to address and resolve financial trauma, or you could set a goal to talk more openly with loved ones about money, Rojas said. —— The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.