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Tuesday, December 30, 2025

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Abaco marina sees 25 percent decline in holiday numbers By FAY SIMMONS AND ANNELIA NIXON Tribune Business Reporters jsimmons@tribunemedia.net MOLLY McIntosh, the Bluff House Beach Resort and Marina's top management executive said the marina recorded a noticeable decline in business following recent boating and yachting fee increases, with activity down between 20 percent and 25 percent in December. Speaking to Tribune Business, Ms McIntosh

said the slowdown was especially evident during what is typically one of the busiest periods of the year on Green Turtle Cay, and warned it could disturb visitor momentum at a critical time for The Bahamas’ marine tourism sector. “It took our business down a bit, particularly at the marina. I don’t have exact figures, but I’d estimate we’re about 20 percent to 25 percent down at Bluff House,” said Mrs McIntosh “Normally, Green Turtle Cay is completely

• Resort warns momentum loss threatens marine tourism • Operators seek clarity ahead of boat shows • Industry urges swift action to restore confidence full — no houses available, no golf carts, no boat rentals. This year, during the week between Christmas and New Year’s, there were golf carts available,

empty houses, and even some empty rooms. That’s disconcerting, because we don’t want to lose that momentum.”

$5.33 Ms McIntosh highlighted that repeat visitation is critical to sustaining tourism-related businesses, noting that once visitors change their travel habits, it can be difficult to reverse the trend. “Momentum is everything,” she said “Once visitors start saying, ‘Maybe we won’t go this year,’ it starts to hurt your business. Then the next year, they choose somewhere else, and that momentum is very hard to get back. Loyalty is extremely important, especially here in The Bahamas. We want people to love the Bahamas, to come here, and to spend their money here — and to be happy doing it.” Deputy Prime Minister Chester Cooper recently said the government is reviewing the boating and yachting fees and promised

$5.46 to make adjustments where necessary. Mr Cooper, who is also Minister of Tourism, Investments and Aviation, stated that the Davis administration will assess the “impacts” and “implementation” of the new and increased fees, plus regulatory adjustments, that were introduced with other Budget reforms on July 1, 2025. Ms McIntosh welcomed the Government’s decision to review the fees, noting that it is a necessary first step but stressed that the industry now needs clarity and timely action. She said a concrete outcome — rather than prolonged uncertainty — would be critical to restoring confidence among boaters and marina operators, especially as they prepare for

SLOWDOWN - See Page B2

Local bakery navigates competition, sees growth By ANNELIA NIXON Tribune Business Reporter anixon@tribunemedia.net

CENTRAL BANK OF THE BAHAMAS

Adopting fast payment services will place Bahamas ahead of regional peers • System to cut payment times to minutes • Bahamas could lead region in payment efficiency • Central Bank plans FPS pilot for 2026 By FAY SIMMONS Tribune Business Reporter jsimmons@tribunemedia.net A LOCAL payments provider said adopting Fast Payment Services now will place the Bahamas ahead of its regional peers, enabling faster transactions and boosting economic activity across the islands. Sean Smith, SunCash's business development manager said the system – which the Central Bank plans to pilot December 2026- will allow payments to be completed in less than a minute, a major improvement over

the current 24-hour processing time. Mr Smith said the company is fully prepared to support the rollout of the Fast Payment System across the Bahamas, highlighting the importance of financial inclusion for all local communities. “Absolutely, we’re ready to go. From our experience serving every island in the Bahamas, we’ve seen firsthand the difference financial inclusion makes — being able to process payments in 24 hours instead of two or three days

ROLLOUT - See Page B2

A BAKERY has seen a slight uptick in holiday sales compared to last year, overcoming the stiff competition of more at home bakeries that have popped up in the past few years. Michael Turner, proprietor of Jumper Brothers Bakery, said more persons are noticing that although his other locations have closed, his bakery on Molly Street is still open and operational, helping to drive business up.

“It [Christmas sales] was a little better than last year,” he said. “I'm still in my situation where I'm located. A lot of people still thinking that we are closed and not open anymore. So people are beginning to find out that we are open.” Mr Turner said when his bakery switched locations a few years ago, persons assumed he it shut down. He noted that his Shirley Street and Carmichael Road locations also closed, raising more confusion for customers. This, Mr Turner added, impacted his bottom line.

Union records confirm approval for Sean Paul BY ANNELIA NIXON Tribune Business Reporter anixon@tribunemedia.net CONTRARY to a music union’s claims, Tribune Business has seen documentation that proves that musician Sean Paul as well as ten others have received support of application to perform at the resort’s New Year’s Eve event. An application stamped by the Bahamas Musician and Entertainers Union (BMEU) dating back to October 23, shows the union president, Franklyn Hanna, signing off on and supporting a list of persons provided by CTF BM Operations Ltd, for Baha Mar’s annual New Year’s Eve celebration.

SEAN PAUL Among those persons is Grammy Award winner Sean Paul, who the United Artists Bahamas Union’s (UABU) president, Linc Scavella said was being brought in without proper protocol having been followed. While Mr Scavella said the resort has not sought

APPROVED - See Page B2

“Say, for example, you used to making $1,000 a day,” he said. “You down to $300, $200, $400 a day, sometimes less, because people don't know where to find you. They say you shut down because the problem was that, our Carmichael Road location, shut down because we had problems down there, and I had to shut it down because people were fighting me. “And then Shirley Street was open, but I had issues with the phone down there after a while, and then couldn't get no calls, and then people stopped

coming and calling because they couldn't get through. So a lot of things contributed to all of this. But we still had the store open, and gradually, persons began to realize where we are.” Jumper Brother’s Bakery has also seen competition from newer at-home bakeries. While Mr Turner said the impact may not be great, he has seen the effects of a growing industry. “It doesn't really affect us that bad, but a lot of persons are trying out things themselves,” he said.

UPTICK - See Page B2

PAGE 2, Tuesday, December 30, 2025

THE TRIBUNE

This is a large percent decrease in sales sure that they’re going to too much. And it’s a killer Fee hikes threaten family somewhat. country with a lot of area and return to “a scary time be here, because in January, for us Bahamians. Everyand manage, of not knowing if persons it’s like the 100 percent goes body’s feeling it. But it’s island tourism momentum toand monitor costs have gone up are going to come.” Ms right back down to the reg- still hopeful that, hopefully

SLOWDOWN - from page B1 international boating shows early next year. “I do think it would make a difference, especially going into boat show season. You have the Stuart Boat Show, Miami Boat Show, Palm Beach Boat Show — January, February, March. That’s where our customers are coming from. If we have some good news to share, it helps bring business back. Boaters feel like they’ve won a little, and that goes a long way from a public relations standpoint,” said Ms McIntosh. “It’s tough to make major changes right around the

holidays, but I’m hoping that once the new year begins, a decision can be made quickly. Ideally, that would happen early in January, so we can share some positive news and encourage boaters to come over.” Ms McIntosh said she understood the rationale behind increasing boating and yachting fees, noting that rising costs and enforcement demands made some adjustment unavoidable. However, she said the manner in which the changes were rolled out created uncertainty for visitors and operators alike. “I do think the fee probably needed to be raised

Minister rejects claims over foreign artist approvals APPROVED - from page B1 approval from the “appropriate and legitimate union,” referencing his own union, the Minister of Labour and the Public Service, Pia Glover-Rolle confirmed yesterday that

the BMEU is also eligible to approve foreign artists coming into the country. She stated that the UABU’s claims that only then can grant approvals to foreign artists is “false.” The Tribune apologises to Baha Mar for the confusion.

New FPS could unlock growth in remote communities ROLLOUT - from page B1 transforms these communities,” said Mr Smith “The Fast Payment System will take that even further, enabling transactions in less than a minute, and we expect it to have a major impact on local GDP and economic activity.” Mr Smith said the system’s implementation could help unlock growth, particularly in remote communities where traditional banking services are limited. “Our success has always come from solving the real problems people face, rather than just introducing cool technology. The Fast Payment System is a natural extension of that — it will let people in remote areas access funds almost instantly. Having our finger on the pulse of the communities, we know how much of a difference faster payments will make.” Highlighting countries have already reaped economic and operational gains by introducing a Fast Payment System, Mr Smith said early adoption would give the Bahamas a competitive advantage in the region while improving financial access and efficiency across the country. “In Brazil, for example, their fast payment system is phenomenal. India has also implemented one successfully. These are large, complex markets, and we can see the real benefits,” said Mr Smith “Getting on this train early puts the Bahamas ahead of its Caribbean neighbors. By adopting a

system now, we can leverage those benefits and ensure we’re not left behind.” The Central Bank of The Bahamas is planning to launch its Fast Payment System (FPS) pilot in December 2026, aiming to reach around 120,000 users — roughly 30 percent of the adult population — in its initial phase. According to the Bank’s vendor Q&A document, there are seven commercial banks and six additional financial institutions are expected to participate in the pilot. Over the longer term, the FPS is expected to expand to at least 350,000 users, with e-money transactions projected to grow steadily. Initially, each user is expected to conduct about six transactions per year, rising gradually to nearly 11 transactions per user by 2030. The average year-on-year growth rate is projected at 25.7 percent for transactions and 32.4 percent for users, reflecting both strong adoption potential and anticipated activity levels. The system is also expected to significantly impact businesses. According to the regulator, as of October 2025, there were 1,679 e-money business users, each conducting an average of 417 transactions per year. With the FPS, both the number of corporate users and transaction volumes are expected to increase substantially, providing companies with a faster and more efficient payment system.

across the board. I understand that,” she said. “My issue was how it was done — it should have been implemented more incrementally and announced earlier, not just four days before it took effect.” Marina operators in Eleuthera also said they are elated that the Government plans to review the boating fee hikes and reforms, which some said has resulted in a slow end of year season for the industry. While Romora Bay Resort and Marina currently has almost hit 100 percent occupancy, its Marina Manager, Beriska Moss, said by January 3, they will experience an 80

Moss said they “don’t have any reservations from January 3 straight out.” “It’s only an increase for persons that regularly come,” she said. “It’s the same persons who were saying that this has to be their last time. And they’ve heard about the Government’s idea to revise whatever they want to do and they’re really hopeful that it changes. “Now, we’re almost at 100 percent occupancy. We’ve had a lot of cancelations, but these are just people that are going to come because they know the owners and they know this and they know that, but it’s nothing to say we’re

Jumper Brothers notes slight holiday boost UPTICK - from page B1 “A lot of persons are trying to make extra money for themselves. So I think it affects us also, who in business where persons are cooking from home and baking from home and making sales. So that affects it a lot. “When I first started out. It wasn’t quite like that.

People were doing it, but people are doing it more and more, because a lot of persons are getting their lessons on YouTube. “The difference with me and them is that I have the knowledge to be able to produce something the same day and I have equipment that they don’t have, that, you know, puts me at an advantage point. Other than that, I don’t have a

ular. So it’s not that good. Although we’re seeing 100 percent right now, that’s only for a few days. After the New Year has passed, it goes right back down to a few boats.” She added: “Like we had a boat come there, and they said they had to pay $4,000 just to get in, and they had to go back to the US just for a few days to pick up something, and they were charged the same $4,000 to come back. Luckily this owner, has the funds, but not everybody has it, you know? While they enjoy our waters, they really just can’t do it. A lot of them are saying that they really just can’t do it. The fees are just

they get this together... The island, it’s only tourism for us. We don’t have anything to fall back on.” Ms Moss said she’s “happy” the Government plans to review the fees adding that she understands some fees are needed. “I was just literally talking about that [fees] today- the quicker the better. Mind you, it has picked up for us. But if you look at the other marinas, Valentine [Resort and Marina] and everyone on the island is saying the same thing, like this. They’ve never seen Valentine’s like this. So they know something is wrong. But the sooner they revise it and fix it, the better.”

problem with it. That’s a part of life, and I understand that the economy is going to grow and expand. Really, it’s the small businesses that help to build an economy. Not the big ones- the small ones. So, I do encourage it. So I don’t let that shake me. I know I have the advantage in that. I have knowledge of what I know. It may affect me in a small way, but not to the point where I would holler.” Moving into the new year, Mr Turner is looking to enhance his skills as well as train the younger

generation. He said he would like to grow his business and the services he provides, including baking and selling hot patties again. “Well, I want to train more people.” He said. “I want to expand my business to the point where I’m able to produce my patties again. That’s one of my goals because my machines got damaged. I’m trying to see if I can get new equipment to help me start making the patties again. I want to train more young people. The problem is finding people who want to learn.”

PROTESTERS march in downtown Tehran, Iran, Monday, Dec. 29, 2025. Photo:Fars News Agency/AP

Protests erupt in Iran over currency's plunge to record low TEHRAN, Iran Associated Press IRAN'S largest protests in three years erupted Monday after the country's currency plummeted to a record low against the U.S. dollar, and the head of the Central Bank resigned. State TV reported the resignation of Mohammad Reza Farzin, while traders and shopkeepers rallied in Saadi Street in downtown Tehran as well as in the Shush neighborhood near Tehran's main Grand Bazaar. Merchants at the

market played a crucial role in the 1979 Islamic Revolution that ousted the monarchy and brought Islamists to power. The official IRNA news agency confirmed the protests. Witnesses reported similar rallies in other major cities including Isfahan in central Iran, Shiraz in the south and Mashhad in the northeast. In some places in Tehran, police fired tear gas to disperse protesters. Monday's protests were the biggest since 2022, when the death of 22-year-old Mahsa Jina Amini in police custody triggered nationwide demonstrations. She was arrested by the country's morality police for allegedly not wearing her hijab properly. Witnesses told The Associated Press that traders shut their shops Monday and asked others to do the same. The semiofficial ILNA news agency said many businesses stopped trading even though some kept their shops open.

On Sunday, protests were limited to two major mobile markets in downtown Tehran, where the demonstrators chanted anti-government slogans. Iran's rial on Sunday plunged to 1.42 million to the dollar. On Monday, it traded at 1.38 million to the dollar. Reports about Farzin's possible resignation had been circulating over the past week. When he took office in 2022, the rial was trading at around 430,000 to the dollar. The rapid depreciation is compounding inflationary pressure, pushing up prices of food and other daily necessities and further straining household budgets, a trend that could worsen with a gasoline price change introduced in recent days. According to the state statistics center, the inflation rate in December rose to 42.2% from the same period last year and is 1.8% higher than in November. Food prices rose 72% and health and medical items were up 50% from December last year, according to the statistics center. Many critics see the rate as a sign of approaching hyperinflation.

Reports in official Iranian media that the government plans to increase taxes in the Iranian new year that begins March 21 have caused more concern. Iran's currency was trading at 32,000 rials to the dollar at the time of the 2015 nuclear accord that lifted international sanctions in exchange for tight controls on the country's nuclear program. That deal unraveled after U.S. President Donald Trump unilaterally withdrew the United States in 2018. There is also uncertainty over the risk of renewed conflict following June's 12-day war involving Iran and Israel. Many Iranians also fear the possibility of a broader confrontation that could draw in the United States, adding to market anxiety. In September, the United Nations reimposed nuclear-related sanctions on Iran through what diplomats described as the "snapback" mechanism. Those measures once again froze Iranian assets abroad, halted arms transactions with Tehran and imposed penalties tied to Iran's ballistic missile program.

Court orders release of prominent Turkish journalist from prison pending appeal ANKARA, Turkey Associated Press A TURKISH court on Monday ordered the release of veteran journalist Fatih Altayli from prison pending the outcome of his appeal against a conviction for allegedly threatening President Recep Tayyip Erdogan. Altayli, 63, a longtime columnist whose YouTube programs drew hundreds of thousands of viewers daily, was sentenced last month to four years and two months in prison. He had been arrested in June on charges

of threatening the president during one of his broadcasts — a case critics described as an attempt to silence a prominent government opponent. The regional appeals court ruled for his release from prison, citing the absence of any flight risk, the fact that evidence had already been collected, and the time he had already spent in detention, according to state-run Anadolu Agency. Altayli's arrest stemmed from remarks on his program "Fatih Altayli Comments," in which he

discussed a survey showing more than 70% of the public opposed a lifetime presidency for Erdogan, who has ruled for over two decades. Altayli said he was not surprised by the result, noting that Turkish society favored checks on authority. "Look at the history of this nation," he said. "This is a nation which strangled its sultan when they didn't like him or want him. There are quite a few Ottoman sultans who were assassinated, strangled, or whose deaths were made to look like suicide."

THE TRIBUNE

Tuesday, December 30, 2025, PAGE 3

How to build an emergency fund, pay off debt and make a plan for your money in 2026 By ADRIANA MORGA Associated Press THE start of a new year usually brings new motivation to achieve goals like eating healthier or finally cleaning your basement. Many resolutions also focus on financial goals, such as paying off credit card debt, saving for a new house, or simply getting more educated about money. "New Year's is a really good time to review and realign your financial goals overall," said Erica Grundza, certified financial planner at Betterment, an investing and savings app. When building your goals for 2026, Grundza recommends focusing less on the past and more on an optimistic, yet realistic, vision for the future. She recommends that you focus on reestablishing the "why" behind your approach to money and how you want to make it work for your life. This can be as simple as saving $10 each week in a savings account, or a bigger goal like saving to buy a house in the coming years. It's all about your own journey. The Associated Press spoke with people who are making financial resolutions for 2026. Here's a look at what they're planning and how you can draw inspiration for your own resolutions: Making achievable plans

Resolutions can easily turn into unattainable goals that feel more like a dream, said MarieYolaine Toms, a coach and founder of Focused Fire, a financial coaching company. To avoid setting unrealistic expectations, Toms follows a "no resolutions" mindset and instead focuses on making an actionable plan. "What I say every year is that I am not making resolutions, I'm making plans that can be tracked forward, traced back, and tweaked until completion," Toms said. Recently, Toms encouraged her clients to check their credit report with the three credit bureaus and, based on their credit reports, make an attainable plan to start a savings account. For example, adding $25 to their savings account every week. Whether you're trying to pay off debt or save for a vacation abroad, the first step towards making a plan can be creating a budget. When making a budget, it's best to find a technique that works for you, whether it's the classic 50/30/20 plan or another budgeting style. If you're building a budget for the first time, you can find some expert recommendations here. Paying off debt After losing her job as a magazine editor in September, Rachel Pelovitz, 33, had to take a closer look at her

A CANNING jar filled with money sits on a shelf in East Derry, N.H., June 15, 2018. Photo:Charles Krupa/AP Social media microtrends are a common influence on people's shopping decisions, and this can lead to overspending. If you're looking to avoid spending money on microtrends, you can find experts' recommendations here.

Humanoid robots take center stage at Silicon Valley summit, but skepticism remains By MATT O'BRIEN AP Technology Writer ROBOTS have long been seen as a bad bet for Silicon Valley investors — too complicated, capital-intensive and "boring, honestly," says venture capitalist Modar Alaoui. But the commercial boom in artificial intelligence has lit a spark under long-simmering visions to build humanoid robots that can move their mechanical bodies like humans and do things that people do. Alaoui, founder of the Humanoids Summit, gathered more than 2,000 people this week, including top robotics engineers from Disney, Google and dozens of startups, to showcase their technology and debate what it will take to accelerate a nascent industry. Alaoui says many researchers now believe humanoids or some other kind of physical embodiment of AI are "going to become the norm." "The question is really just how long it will take," he said. Disney's contribution to the field, a walking robotic version of "Frozen" character Olaf, will be roaming on its own through Disneyland theme parks in Hong Kong and Paris early next year. Entertaining and highly complex robots that resemble a human — or a snowman — are already here, but the timeline for "general purpose" robots that are a productive

member of a workplace or household is farther away. Even at a conference designed to build enthusiasm for the technology, held at a Computer History Museum that's a temple to Silicon Valley's previous breakthroughs, skepticism remained high that truly humanlike robots will take root anytime soon. "The humanoid space

China is leading in part due to government incentives for component production and robot adoption and a mandate last year "to have a humanoid ecosystem established by 2025," said McKinsey partner Ani Kelkar. Displays by Chinese firms dominated the expo section of this week's summit, held Thursday and Friday. The

“The humanoid space has a very, very big hill to climb. There’s a lot of research that still needs to be solved.” Cosima du Pasquier has a very, very big hill to climb," said Cosima du Pasquier, co-founder of Haptica Robotics, which works to give robots a sense of touch. "There's a lot of research that still needs to be solved." The Stanford University postdoctoral researcher came to the conference in Mountain View, California, just a week after incorporating her startup. "The first customers are really the people here," she said. Researchers at the consultancy McKinsey & Company have counted about 50 companies around the world that have raised at least $100 million to develop humanoids, led by about 20 in China and 15 in North America.

conference's most prevalent humanoids were those made by China's Unitree, in part because researchers in the U.S. buy the relatively cheap model to test their own software. In the U.S., the advent of generative AI chatbots like OpenAI's ChatGPT and Google's Gemini hasCosima jolted Pasquier the decades-old durobotics industry in different ways. Investor excitement has poured money into ambitious startups aiming to build hardware that will bring a physical presence to the latest AI. But it's not just crossover hype — the same technical advances that made AI chatbots so good at language have played a role in teaching robots how to get better at performing

A MAN records a humanoid robot inside the exhibition room at the Humanoids Summit, Thursday, Dec. 11, 2025, in Mountain View, Calif. Photo:Godofredo A. Vásquez/AP

Building a savings account For Jenni Lee, 27, this is going to be the year when she gets strict about building her savings account. While Lee considers herself generally good with money, over the last six months she has overspent and wants to rein it in. The long-term goal for her savings journey is for Lee to buy a house. "I'm now in my late 20s, I'm starting to really think about where I pinch now so it won't hurt later when I finally decide to purchase and own a place," said Lee, a tech worker and lifestyle TikTok creator based in Chicago. As she saves for her future home and possibly a trip to South Korea, Lee wants to cut unnecessary spending on clothing items and eating out. tasks. Paired with computer vision, robots powered by "visual-language" models are trained to learn about their surroundings. One of the most prominent skeptics is robotics pioneer Rodney Brooks, a co-founder of Roomba vacuum maker iRobot who wrote in September that "today's humanoid robots will not learn how to be dexterous despite the hundreds of millions, or perhaps many billions of dollars, being donated by VCs and major tech companies to pay for their training." Brooks didn't attend but his essay was frequently mentioned. Also missing was anyone speaking for Tesla CEO Elon Musk's development of a humanoid called Optimus, a project that the billionaire is designing to be "extremely capable" and sold in high volumes. Musk said three years ago that people can probably buy an Optimus "within three to five years." The conference's organizer, Alaoui, founder and general partner of ALM Ventures, previously worked on driver attention systems for the automotive industry and sees parallels between humanoids and the early years of self-driving cars.

Finding balance

If you are in a position to do so, having multiple financial goals you're working towards at the same time can be a great way to speed up your progress. For Worcester resident Melanie Duarte, 23, her New Year's money goals include paying off her student loans and credit card debt while building an emergency fund. "I made sure to include it in my budget, even if it's something as small as like $50. I just want to make sure I still put something in (my emergency fund) so that it eventually multiplies," said Duarte, who owns a marketing agency. Duarte's family didn't speak openly about finances when she was growing up. But, since she opened her own business, Duarte has been slowly working on rewriting her relationship with money. If you're looking to start an emergency fund or create better habits while you save, you can read

Finding a balance between saving for your long-term goals while also making sure you enjoy your money is important, but it can also be challenging. After the death of her grandfather just a few years after retirement, Tiana Stewart, 26, felt that he didn't get to enjoy the fruits of his labor. So, this past year, Stewart decided to enjoy her life and travel. "I do understand saving for retirement is important, but I also want to enjoy my life and the money that I work for at this time, especially being in my 20s," said Stewart, who lives in Maryland. But now, as she reflects on her financial future, Stewart wants to focus on paying off debt, saving, and investing. Having a healthy balance between enjoying life and saving for the future is what she wants to work toward. For some, participating in budgeting challenges such as the no-buy year can be a great way to set boundaries on your spending and set aside money towards your financial goals. Many people start such challenges at the beginning of the year and commit to keep going until the end, but others start with a no-buy month.

Near the entrance to the summit venue, just blocks from Google's headquarters, is a museum exhibit showing Google's bubble-shaped 2014 prototype of a self-driving car. Eleven years later, robotaxis operated by Google affiliate Waymo are constantly plying the streets nearby. Some robots with human elements are already being tested in workplaces. Oregon-based Agility Robotics announced shortly before the conference that it is bringing its tote-carrying warehouse robot Digit to a Texas distribution facility run by Mercado Libre, the Latin American

e-commerce giant. Much like the Olaf robot, it has inverted legs that are more birdlike than human. Industrial robots performing single tasks are already commonplace in car assembly and other manufacturing. They work with a level of speed and precision that's difficult for today's humanoids — or humans themselves — to match. The head of a robotics trade group founded in 1974 is now lobbying the U.S. government to develop a stronger national strategy to advance the development of homegrown robots, be they humanoids or otherwise.

Building an emergency fund

finances. Having acquired a significant amount of debt over the last few years due to her husband's year-anda-half-long unemployment, Pelovitz explored several options to pay it off. Ultimately, Pelovitz and her husband chose to sell their house and work with a debt consolidation organization. "Rather than rely on getting more debt, we are currently selling our house," Pelovitz said. Pelovitz's main goal for 2026 is to pay off half of her credit card debt. And, with some of the money from selling the house, start investing moderately. If you've also experienced a layoff, you can read expert recommendations to help you take care of your finances and your mental health here.

some experts' recommendations here.

PUBLIC NOTICE This is to inform the General Public that the private roadways and parking areas situated in the Harbour Bay Shopping Plaza between East Bay Street and Shirley Street WILL BE CLOSED on Thursday, 1st January 2026 in order to preserve the right of way ownership thereof. The Owners

PAGE 4, Tuesday, December 30, 2025

THE TRIBUNE

A look at how Trump-era work requirements could impact people who receive public benefits By SALLY HO and CHARLOTTE KRAMON Associated Press THE Trump administration made work requirements for low-income people receiving government assistance a priority in 2025. The departments of Health and Human Services, Agriculture and Housing and Urban Development have worked to usher in stricter employment conditions to receive health care, food aid and rental assistance benefits funded by the federal government. The idea is that public assistance discourages optimal participation in the labor market and that imposing work requirements not only leads to self-sufficiency, but also benefits the broader economy. "It strengthens families and communities as it gives new life to start-ups and growing businesses," the cabinet secretaries wrote in a New York Times essay in May about work requirements. Yet many economists say there is no clear evidence such mandates have that effect. There's concern these new policies that make benefits contingent on work could ultimately come at a cost in other ways, from hindering existing employment to heavy administrative burdens or simply proving unpopular politically. Here is a look at how work requirements could impact the millions of people who rely on the Supplemental Nutrition Assistance Program, Medicaid and HUD-subsidized housing: SNAP President Donald Trump's "One Big Beautiful Bill" in July expanded the USDA's work requirements policy for SNAP recipients who are able-bodied adults without dependents. Previously, adults older than 54, as well as parents with children under age 18, at home were exempted from SNAP's 80-hours monthly work requirement. Now, adults up to age 64 and parents of children between the age of 14 and 17 have to prove they're working, volunteering or job training if they are on SNAP for more than three months.

A JOB seeker waits to talk to a recruiter at a job fair Aug. 28, 2025, in Sunrise, Fla. Photo:Marta Lavandier/AP The new law also cuts exemptions for people who are homeless, veterans and young people who have aged out of foster care. There are also significant restrictions on waivers for states and regions based on how high the local unemployment rates are. The Pew Research Center, citing the most recent Census survey data from 2023, notes 61% of adult SNAP recipients had not been employed that year, and that the national average benefit as of May 2025 was $188.45 per person or $350.89 per household. Ismael Cid Martinez, an economist at the Economic Policy Institute, said the people who qualify for SNAP are likely working low-wage jobs that tend to be less stable because they are more tied to the nation's macroeconomics. That means when the economy weakens, it's the low-wage workers whose hours are cut and jobs are eliminated, which in turn heightens their need for government support. Restricting such benefits could threaten their ability to get back to work altogether, Martinez said. "These are some of the matters that tie in together to explain the economy and (how) the labor market is connected to these benefits," Martinez said. "None of us

really show up into an economy on our own." Angela Rachidi, a researcher at the conservative think tank American Enterprise Institute, said she expects the poverty rate to decline as a result of the work requirements but even that wouldn't ultimately affect the labor force. "(E)ven if every nonworking SNAP adult subject to a work requirement started working, it would not impact the labor market much," Rachidi said by email.

requirements won't lead to large increases in employment rates among working adults on Medicaid, and that many working people would lose health care because of administrative difficulties proving they work. Georgia is currently the only state with a Medicaid program that imposes work requirements, which Gov. Brian Kemp created instead of expanding Medicaid. The program, called Georgia Pathways, has come under fire for enrolling far fewer people than expected and creating large administrative costs. Critics say many working people struggle to enroll and log their hours online, with some getting kicked out of coverage at times because of administrative errors. And research released recently from the United Kingdom-based research group BMJ comparing Georgia with other states that did not expand Medicaid found Georgia Pathways did not increase employment during the first 15 months, nor did it improve access to Medicaid. Kemp's office blames high administrative costs and startup challenges on delays due to legal battles with former President Joe Biden's administration. A spokesperson said 19,383 Georgians have received coverage since the program began.

Medicaid

HUD

Trump's big bill over the summer also created new requirements, starting in 2027, for low-income 19- to 64-year-olds enrolled in Medicaid through the Affordable Care Act's Medicaid expansion or through a waiver program to complete 80 hours of work, job training, education or volunteering per month. There are several exemptions, including for those who are caregivers, have disabilities, have recently left prison or jail or are pregnant or postpartum. The nonpartisan Congressional Budget Office has predicted that millions of people will lose health care because of the requirements. Nationally, most people on Medicaid already work. The majority of experts on a Cornell Health Policy Center panel said that new national

HUD in July also proposed a rule change that would allow public housing authorities across the country to institute work requirements, as well as time limits. In a leaked draft of that rule change, HUD spells out how housing authorities can choose to opt in and voluntarily implement work requirements of up to 40 hours a week for people getting rental assistance, including adult tenants in public housing and Section 8 voucher-holders. HUD also identified two states — Arkansas and Wisconsin — where it could trigger implementation based on existing state laws if and when the HUD rule change is approved. The proposal remains in regulatory review and would be subject to a public comment period.

Surging silver and gold slide after CME raises margin requirements NEW YORK Associated Press SILVER and gold futures fell sharply Monday after the Chicago Mercantile Exchange, one of the world's largest trading floors for commodities, asked traders to put up more cash to make bets on precious metals with prices surging this year. This year, gold futures are up 65% and silver has more than doubled. The CME raised margin requirements for gold, silver and other metals in a notice posted to the exchange's website Friday. These notices require traders to put up more cash on their bets in order to insure against the possibility that the trader will default when they take delivery of the contract. Exchanges sometimes boost margin requirements when a commodity or other security goes on a significant run. In its notice, the CME said it was raising margin requirements "per the normal review of market volatility." Silver futures tumbled 8% early Monday while gold slid 5% Silver prices have skyrocketed this year, topping records dating back to the early 1980s when traders tried and failed to corner the silver market. Supplies have dwindled, with production at major mines slowing. At the same time there's been an increased industrial need for silver for solar panels as well as data centers. Silver futures were roughly $30 an ounce at the beginning of 2025, and briefly touched $80 an ounce before the CME's announcement.

THE TRIBUNE

Tuesday, December 30, 2025, PAGE 5

Hungary’s ‘water guardian’ farmers fight back against desertification

MEMBERS of the water guardians group talk next to an artificial lake in Kiskunmajsa, Hungary, Friday, Dec. 12, 2025. Photo:DENES ERDOS/AP

By JUSTIN SPIKE Associated Press OSZKÁR Nagyapáti climbed to the bottom of a sandy pit on his land on the Great Hungarian Plain and dug into the soil with his hand, looking for a sign of groundwater that in recent years has been in accelerating retreat. "It's much worse, and it's getting worse year after year," he said as cloudy liquid slowly seeped into the hole. "Where did so much water go? It's unbelievable." Nagyapáti has watched with distress as the region in southern Hungary, once an important site for agriculture, has become increasingly parched and dry. Where a variety of crops and grasses once filled the fields, today there are wide cracks in the soil and growing sand dunes more reminiscent of the Sahara Desert than Central Europe. Semiarid region The region, known as the Homokhátság, has been described by some studies as semiarid — a distinction more common in parts of Africa, the American Southwest or Australian Outback — and is characterized by very little rain, dried-out wells and a water table plunging ever deeper underground. In a 2017 paper in European Countryside, a scientific journal, researchers cited "the combined effect of climatic changes, improper land use and inappropriate environmental management" as causes for

result in high winds that dried out the topsoil even further. Creation of a microclimate

the Homokhátság's aridification, a phenomenon the paper called unique in this part of the continent. Fields that in previous centuries would be regularly flooded by the Danube and Tisza Rivers have, through a combination of climate change-related droughts and poor water retention practices, become nearly unsuitable for crops and wildlife. 'Water guardians' Now a group of farmers and other volunteers, led by Nagyapáti, are trying to save the region and their lands from total desiccation using a resource for which Hungary is famous: thermal water. "I was thinking about what could be done, how

could we bring the water back or somehow create water in the landscape," Nagyapáti told The Associated Press. "There was a point when I felt that enough is enough. We really have to put an end to this. And that's where we started our project to flood some areas to keep the water in the plain." Along with the group of volunteer "water guardians," Nagyapáti began negotiating with authorities and a local thermal spa last year, hoping to redirect the spa's overflow water — which would usually pour unused into a canal — onto their lands. The thermal water is drawn from very deep underground. Mimicking natural flooding

According to the water guardians' plan, the water, cooled and purified, would be used to flood a 2½-hectare (6-acre) low-lying field — a way of mimicking the natural cycle of flooding that channelizing the rivers had ended. "When the flooding is complete and the water recedes, there will be 2½ hectares of water surface in this area," Nagyapáti said. "This will be quite a shocking sight in our dry region." A 2024 study by Hungary's Eötvös Loránd University showed that unusually dry layers of surface-level air in the region had prevented any arriving storm fronts from producing precipitation. Instead, the fronts would pass through without rain, and

PROTESTING STUDENTS IN SERBIA URGE SUPPORT FOR EARLY ELECTION THEY HOPE WILL OUST VUCIC By JOVANA GEC Associated Press SERBIA'S protesting university students on Sunday collected signatures throughout the country for their request for an early parliamentary election that they hope would oust the autocratic government of President Aleksandar Vucic from office. Braving freezing weather, the students set up nearly 500 stands in dozens of

cities, towns and villages in the Balkan country for residents to sign the election demand, which isn't a formal petition. Students have said that Sunday's action was meant to put further pressure on Vucic and as a test of support. Young protesters have been at the forefront of a nationwide movement against Vucic's populist rule in Serbia. More than a year of street protests first

started in November 2024 after a train station disaster that killed 16 people. The concrete canopy collapse in the northern city of Novi Sad was widely blamed on alleged rampant corruption and disregard of construction and safety rules during renovation work at the station. No one has been held responsible for the tragedy. Vucic has refused to schedule an

immediate early vote, but has suggested that it could be held sometime next year. Both parliamentary and presidential elections are otherwise due in 2027. "We have stands that serve to connect with the citizens," said Igor Dojnov, a student manning one of the points in central Belgrade. Youth-led protests during the past year have shaken Vucic more than ever

NOTICE

ALL FAMILY HOLDING INVESTMENTS LTD

Viva Agro Serviços Ltd.

Incorporated under the International Business Companies Act, 2000 of the Commonwealth of The Bahamas. Registration number 204600 B (In Voluntary Liquidation) Notice is hereby given that the above-named Company is in dissolution, commencing on the 23rd day of December A.D. 2025. Articles of Dissolution have been duly registered by the Registrar. The Liquidator is Mr. Bruno Constantino Alexandre Santos, whose address is Rua Diogo Jacome 518, 71-3, CEP: 04512-001, Sao Paulo, Brazil. Any Persons having a Claim against the above-named Company are required on or before the 22nd day of January A.D. 2026 to send their names, addresses and particulars of their debts or claims to the Liquidator of the Company, or in default thereof they may be excluded from the benefit of any distribution made before such claim is proved. Dated this 23rd day of December A.D. 2025. BRUNO CONSTANTINO ALEXANDRE SANTOS LIQUIDATOR

NOTICE HOME HOLDINGS LIMITED In Voluntary Liquidation

Notice is hereby given that in accordance with Section 138(4) of the International Business Companies Act. 2000, HOME HOLDINGS LIMITED is in dissolution as of December 23, 2025. International Liquidator Services Ltd. situated at 3rd Floor Whitfield Tower, 4792 Coney Drive, Belize City, Belize is the Liquidator. LIQUIDATOR

Incorporated under the International Business Companies Act, 2000 of the Commonwealth of The Bahamas. Registration number 210695 B (In Voluntary Liquidation) Notice is hereby given that the above-named Company is in dissolution, commencing on the 23rd day of December A.D. 2025. Articles of Dissolution have been duly registered by the Registrar. The Liquidator is Mr. Douglas Maximino Zonta, whose address is Rua Joaquim Nabuco 338, Zona 04, CEP: 87014-100, Maringa, PR, Brazil. Any Persons having a Claim against the above-named Company are required on or before the 22nd day of January A.D. 2026 to send their names, addresses and particulars of their debts or claims to the Liquidator of the Company, or in default thereof they may be excluded from the benefit of any distribution made before such claim is proved.

The water guardians hoped that by artificially flooding certain areas, they wouldn't only raise the groundwater level but also create a microclimate through surface evaporation that could increase humidity, reduce temperatures and dust and have a positive impact on nearby vegetation. Tamás Tóth, a meteorologist in Hungary, said that because of the potential impact such wetlands can have on the surrounding climate, water retention "is simply the key issue in the coming years and for generations to come, because climate change does not seem to stop." "The atmosphere continues to warm up, and with it the distribution of precipitation, both seasonal and annual, has become very hectic, and is expected to become even more hectic in the future," he said.

shallow marsh that had formed "may seem very small to look at it, but it brings us immense happiness here in the desert." He said the added water will have a "huge impact" within a roughly 4-kilometer (2½-mile) radius, "not only on the vegetation, but also on the water balance of the soil. We hope that the groundwater level will also rise." Drought task force

Following another hot, dry summer this year, the water guardians blocked a series of sluices along a canal, and the repurposed water from the spa began slowly gathering in the low-lying field. After a couple of months, the field had nearly been filled. Standing beside the area in early December, Nagyapáti said that the

Persistent droughts in the Great Hungarian Plain have threatened desertification, a process where vegetation recedes because of high heat and low rainfall. Weather-damaged crops have dealt significant blows to the country's overall gross domestic product, prompting Prime Minister Viktor Orbán to announce this year the creation of a "drought task force" to deal with the problem. After the water guardians' first attempt to mitigate the growing problem in their area, they said they experienced noticeable improvements in the groundwater level, as well as an increase of flora and fauna near the flood site. The group, which has grown to more than 30 volunteers, would like to expand the project to include another flooded field, and hopes their efforts could inspire similar action by others to conserve the most precious resource.

during his 13-year-long tenure. Serbia's populist prime minister resigned in January, and Vucic later launched a crackdown on protesters that also drew international criticism. While street protests have subsided, discontent with Vucic's government is believed to be widespread. Milca Cankovic Kadijevic, a resident of Belgrade, said that she supported the students, because "I have a desire to live decently — me, my children and my grandchildren." Vucic has formally promised to take Serbia into the European Union, but he has maintained close

links with Russia and China, while facing accusations of clamping down on democratic freedoms and allowing corruption and organized crime to flourish. He has denied this, and accused the protesters of attempting to orchestrate a "color revolution" under unspecified orders from the West. The term "color revolution" has been used to describe a series of mass protests at the beginning of the 21st century that sometimes led to the toppling of governments in the former Soviet Union states, the former Yugoslavia, the Middle East and Asia.

'Immense happiness'

NOTICE INTERNATIONAL BUSINESS COMPANIES ACT, 2000

ARMSTRONG INVESTMENT FUND INC. SAC NOTICE is hereby given that in accordance with Section 138(8) of the International Business Companies Act, 2000, the Dissolution of ARMSTRONG INVESTMENT FUND INC. SAC has been completed, a Certificate of Dissolution has been issued and the Company has therefore been struck off the Register. The date of completion of the dissolution was the 18th day of November, 2025.

Dated this 23rd day of December A.D. 2025.

DOUGLAS MAXIMINO ZONTA LIQUIDATOR

MMG Fund Services (Bahamas) Ltd. Liquidator

Legal Notice

NOTICE

KELSO HOLDINGS INTERNATIONAL LTD. (In Voluntary Liquidation)

WHITLAND MANAGEMENT LTD.

Notice is hereby given that the above-named Company is in dissolution, commencing on the 24th day of December 2025. Articles of Dissolution have been duly registered by the Registrar. The liquidator is (Amicorp Bahamas Management Limited, whose address is Bahamas Financial Centre, 3rd Floor, Shirley & Charlotte Street, P.O. Box N-4865, Nassau, Bahamas).

Dated this 24th day of December 2025.

(AMICORP BAHAMAS MANAGEMENT LIMITED) LIQUIDATOR

(In Voluntary Liquidation)

PAGE 6, Tuesday, December 30, 2025

THE TRIBUNE

South Korea’s climate pledge to cut coal, lower emissions clash with US push for LNG purchases WORKERS walk past large-sized liquefied natural gas (LNG) carriers under construction at the Daewoo Shipbuilding and Marine Engineering facility in Geoje Island, South Korea, Dec. 7, 2018. Photo:Ahn Young-joon/AP

By ANTON L. DELGADO and KIM TONG-HYUNG Associated Press SOUTH Korea is promising to shrink its reliance on coal power as part of its pledge to reduce carbon emissions that contribute to climate change, but that ambition is at odds with the Trump administration's push for more U.S. natural gas exports. At recent United Nations climate talks, South Korea's new Ministry of Climate, Energy and Environment announced plans to retire most of the country's coalfired power plants by 2040 and to at least halve its carbon emissions by 2035. Experts say this shows that South Korea, a major coal importer with one of the world's largest fleets of coal plants, wants to speed up its renewable energy transition, which lags behind its neighbors and global averages. But as part of trade deals with President Donald Trump, Seoul is raising imports of U.S. liquefied natural gas, or LNG. Climate activists contend such plans may conflict with the country's pledges to help curb climate change and could lock South Korea into a fossil fuel-dependent future. Talks are underway for South Korea to invest $350 billion in U.S. projects and purchase up to $100 billion worth of U.S. energy products, including LNG, a natural gas cooled to liquid

form for easy storage and travel. It burns cleaner than coal, but still causes planet-warming emissions, especially of methane. South Korea's overall LNG imports may not increase if it offsets purchases of more U.S. natural gas by reducing imports from other sources such as Australia and the Middle East. Still, it's unclear how South Korea will "manage and consolidate all this somehow contradictory planning regarding its energy sector," said Michelle Kim, an energy specialist for the U.S.based Institute for Energy Economics and Financial Analysis.

Power transition sparksclimate goals South Korea's liberal President Lee Jae Myung, who won a snap election in June, campaigned for stronger climate commitments. They had softened under his conservative predecessor Yoon Suk Yeol, who was ousted after a short-lived martial law declaration. "As the global temperature rises, we all need to responsibly take climate action and Korea will have a stronger sense of responsibility in tackling the climate crisis," Kim Sung-hwan, the inaugural Minister of Climate, Energy and Environment, said in an interview with The Associated Press.

South Korea's goal to cut carbon emissions by 53% to 61% of its 2018 level, fell short of climate activists' expectations. Business lobbies representing major manufacturers had proposed a 48% emissions reduction target. "This range presents an effort by the government to accommodate two very different ways of thinking about the economic and climate future of the nation," said Joojin Kim of the Seoul-based advocacy group, Solutions for Our Climate. South Korea faces climate dilemma over U.S. deal The South Korean government made the ambitious commitment to increase its clean energy

use even after Trump's sweeping 'America First' tariffs spurred energy negotiations between Seoul and Washington. As part of its broader efforts to avoid higher tariffs, South Korea offered to import more LNG from the U.S., but the final trade deal has not been announced. The agreement still under negotiation could last between three to 10 years, according to industry analysis and U.S. federal documents. Depending on the deal's duration, South Korea may import between 3 million to 9 million tons of American LNG a year. LNG made up almost a fifth of South Korea's total energy supply last year, according to the International Energy Agency, or IEA. The government's target was to cut that to 10.6% by 2038. South Korea risks its climate goals if the pending trade deal increases the total volume of imported LNG, which will likely lead to an oversupply issue and the excess burning of gas to justify the deal, said Insung Lee, with Greenpeace in Seoul. "If we just replace coal plants with LNG, that means the coal exit actually doesn't lead to a green transition and merely shifts Korea's addiction from coal

STOCKS SLIP ON WALL STREET AS 2025 WINDS DOWN By DAMIAN J. TROISE AP Business Writer STOCKS slipped in quiet trading on Wall Street Monday to kick off another holiday-shortened week. The losses have little impact on the broader annual gains for major

indexes as they close out their final days of the year. There are two trading days left before the year ends. Markets in the U.S. will be closed Thursday for New Year's Day. The S&P 500 fell 24.20 points, or 0.3%, to 6,905.74. The benchmark index is still

up more than 17% for the year and it remains on track for its eighth monthly gain in a row. The Dow Jones Industrial Average fell 249.04 points, or 0.5%, to 48,461.93. The Nasdaq composite fell 118.75 points, or 0.5%, to 23,474.35. Big technology

stocks with outsized valuations were among the heaviest weights on the market. Nvidia fell 1.2% and Broadcom fell 0.8%. Investor optimism about the future of artificial intelligence has been driving the sector mostly higher all year and pushing the broader

market to a series of records. Technology stocks have been more unsteady as the year heads to a close, though. They mostly slipped in November and have only notched modest gains through December. Nvidia and several other companies focusing on AI or benefiting heavily from the developing technology have become some of the most valuable in the world. Investors have seemingly become more skeptical about whether the eventual payoff will make the hefty investments worthwhile. Energy stocks gained ground along with rising oil prices. U.S. benchmark crude jumped 2.4% to settle at $58.08 per barrel. The price of Brent crude, the international standard, rose 2.1% to settle at $61.94 a barrel. Exxon Mobil rose 1.2%. Gold and silver prices pulled back from their recent sharp gains after the Chicago Mercantile Exchange, one of the world's largest trading floors for commodities, asked traders to put up more cash to make bets on precious metals.

to gas, which undermines the whole spirit of climate action," Lee said. South Korea's energy mix Renewable energy generated 7% of South Korea's domestic power in 2022, according to the IEA. South Korean government data show that had increased to 10.5% last year, still one of the lowest levels among leading economies. Japan, with an economy more than twice as big, generates 21% of its power from renewable sources. Spain, whose economy is about the same size as South Korea's, gets 42% of its power from renewable sources. Clean energy provided about 30% of global electricity production in 2023. Nuclear power produces a major share of South Korea's domestic energy, with government data showing that nuclear sources accounted for 31% of total electricity generation last year. "We will transition into a new energy system that focuses on renewables and nuclear, while phasing out coal," said Kim, the energy minister. He said South Korea will use LNG as a "complementary or emergency energy source" to make up for irregularities in renewable energy supplies. The price of gold fell 4.6%, though prices for the precious metal are still up about 64% for the year. Silver prices slumped 8.7%, but they have still more than doubled overall in 2025. Treasury yields fell in the bond market. The yield on the 10-year Treasury fell to 4.11% from 4.13% late Friday. Treasury yields have fallen significantly from the start of the year. That's partly due to initial anticipation for cuts and eventual cuts to interest rates in 2025 from the Federal Reserve. The central bank cut its benchmark interest rate three times later in the year. At the same time, it started facing a more complicated economic situation, where inflation remained stubbornly high while the job market started slowing. The central bank cut rates with the aim of offsetting the impact on the economy from a slowdown in jobs growth. That risks heating up inflation that is already stubbornly above the central bank's target rate of 2%. Interest rate cuts could boost the economy by making loans less expensive, but that benefit could be nullified by rising inflation stunting economic growth.

NOTICE

NOTICE is hereby given that AMANDA ADDERLEY AREVALO of #4 Malcolm Road, Nassau, The Bahamas is applying to the Minister responsible for Nationality and Citizenship, for Registration/ Naturalization as a citizen of The Bahamas, and that any person who knows any reason why registration/naturalization should not be granted, should send a written and signed statement of the facts within twenty-eight days from the 23rd day of December 2025 to the Minister responsible for nationality and Citizenship, P.O. Box N-7147, Nassau, New Providence, The Bahamas.

NOTICE

NOTICE is hereby given that VADIM ISHUTIN of P.O. Box EL-25178 Banks Road, Governor’s Harbour, Eleuthera, Bahamas is applying to the Minister responsible for Nationality and Citizenship, for Registration/ Naturalization as a citizen of The Bahamas, and that any person who knows any reason why registration/ naturalization should not be granted, should send a written and signed statement of the facts within twenty-eight days from the 23rd day of December 2025 to the Minister responsible for nationality and Citizenship, P.O. Box N-7147, Nassau, New Providence, The Bahamas.

represent different

JUDGE PARKER

CARPE DIEM

➔

Tuesday, December 30, 2025, PAGE 7 letters:

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➔

THE TRIBUNE

4 5 6R

Solution in Monday’s puzzle pull-out

➔ SuMThing

MARVIN BLONDIE

Fit the missing numbers into the grid so that all the sums are correct – reading left to right or on single lines top to bottom. There are 11 squares to fill, with one digit in each, and the 11 digits you must use are listed below. But where do they all go? Solution in Monday’s puzzle pull-out

We’ve given you one digit to get you started. Here are the missing digits to fit in:

0, 1, 2, 3, 3, 3, 4, 6, 6, 9, 9

SaMurai Sudoku

HAGAR THE HORRIBLE

TIGER

8 3 4 2 6 1 5 7 9

5 9 7 8 4 3 2 6 1

2 1 6 7 5 9 8 3 4

4 8 9 3 2 6 7 1 5

7 2 5 1 9 4 6 8 3

3 6 1 5 7 8 9 4 2

5 2 9 3 7 1 4 8 6

3 1 6 4 8 2 9 5 7

7 8 4 5 9 6 1 2 3

8 6 5 1 3 4 2 7 9

2 9 1 7 5 8 6 3 4

4 7 3 2 6 9 8 1 5

1 5 3 6 8 2 4 9 7 1 5 8 6 3 2 9 1 7 5 4 8

9 7 8 4 1 5 3 2 6 4 9 7 1 5 8 6 4 3 7 9 2

6 4 2 9 3 7 1 5 8 6 3 2 9 4 7 8 2 5 3 6 1

8 1 9 3 4 6 7 2 5

5 7 3 8 2 9 4 6 1

2 6 4 5 7 1 8 9 3

6 2 1 8 4 9 7 3 5 9 1 4 2 8 6 5 9 4 7 1 3

9 8 3 5 7 2 6 4 1 2 8 3 5 7 9 2 1 3 8 6 4

4 7 5 1 6 3 9 8 2 7 6 5 3 1 4 8 6 7 5 2 9

WordSear

7 1 8 6 3 5 4 2 9

2 3 4 9 1 7 8 5 6

5 6 9 4 2 8 3 1 7

1 9 2 7 8 4 5 6 3

3 4 7 2 5 6 1 9 8

8 5 6 3 9 1 2 7 4

9 5 8 3 4 2 1 7 6

7 6 3 9 8 1 4 5 2

4 2 1 7 5 6 9 3 8

8 3 2 1 7 9 6 4 5

6 9 7 4 2 5 3 8 1

1 4 5 6 3 8 2 9 7

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CALVIN & HOBBES

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DENNIS THE MENACE Sudoku is a number-placing puzzle based on a 9x9 grid with several given numbers. The object is to place the numbers 1 to 9 in the empty squares so the each row, each column and each 3x3 box contains the same number only once. The difficulty level of the Sudoku increases from Monday to Sunday Best described as a number crossword, the task in Kakuro is to fill all of the empty squares, using numbers 1 to 9, so the sum of each horizontal block equals the number to its left, and the sum of each vertical block equals the number on its top. No number may be used in the same block more than once. The difficulty level of the Conceptis Kakuro increases from Monday to Sunday.

MICRO CROSSwORD

CHALLENGER

Yesterday’s Answers

Yesterday’s

Sudoku Answer

Kakuro Answer