“I find works of art to be alive.”

Even when your plans are achievable, there are times you’ll get derailed. Maybe it’s an unexpectedor 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. A golden rule to protect yourself from

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.“The fear was getting more severe over time as skilled personnel were not replaced,” she added.

The surveys also invited workers aboard the vessel to make their own comments. Based on these, in 2014, Dennett was concerned enough to write to a Shell manager, flagging worker fears that Bonga was a “keg of gunpowder” and in “impending peril,” with everyone on it “at risk.” The manager promised to act.Contact AP’s global investigative team at

For secure and confidential communications, use the free Signal appThe next year, a leaked memo by the operational safety team for Nigeria said the need for “drastic improvements” was shown by the 2012 survey. They were also “worried” by the “thought provoking” 2014 survey, which had worse results.