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What will happen to interest rates in the future?

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good morning! I’m Daniel de Visé from Daily Money.

In case you missed it: On Friday, the Trump administration dropped a criminal investigation into Federal Reserve Chairman Jerome Powell, clearing the way for the appointment of a new Fed chief. This is the full text.

Meanwhile, the Federal Reserve is scheduled to meet this week to discuss interest rates. Here’s what forecasters predict.

Here’s how Congress fixes Social Security

Social Security is headed toward a fiscal cliff. Fortunately, there are plenty of ideas for modifying your program. The big question is whether Congress will choose to raise taxes, cut benefits, or do a little bit of both.

Are you feeling more stressed at work?

Gallup reports that workplace stress is on the rise. Here’s how employees should respond:

📰 Other stories you can’t miss 📰

Daniel de Visse covers personal finance for USA TODAY. Daily Money breaks down complex consumer and financial news. Subscribe here.

Whataburger plans to open 15 new stores by the end of June. Please check the location

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Fans of the popular burger chain Whataburger may soon see a new location opening near them.

Whataburger told USA TODAY that the chain, which operates more than 1,100 restaurants in 17 states, plans to open 15 new locations in seven states by the end of June.

Most Whataburger locations are open 24 hours a day, seven days a week, seven days a week, but will be closed on Christmas Day. The chain is known for its made-to-order, customizable burgers, popular patty melts, and fancy ketchup.

Harmon Dobson opened the first Whataburger restaurant in Corpus Christi, Texas, in 1950, according to the company’s website. By 1959, Dobson had opened 20 more stores, including the first outside of Texas, in Pensacola, Florida.

In May 2025, the chain opened its first North Carolina restaurant in Gastonia, expanding its footprint into its 17th state, according to the company’s website.

Where will Whataburger’s new locations open?

According to the company, new restaurants are scheduled to open in 2026 on the following dates and at the following locations:

  • April 27th: 4047 Lomas Del Sur Rd., Laredo, TX
  • April 29th: 3201 Long Prairie Rd., Flower Mound, Texas
  • April 30th: 9700 W Nordic Ave., Glendale, Arizona
  • April 30th: 1426 W. Brandon Blvd., Brandon, Florida
  • May 4th: 9530 Southton Road., San Antonio, Texas
  • May 4th: 8020 Hwy 191, Odessa, Texas
  • May 5th: 1201 Gallatian Ave., Nashville, TN
  • May 2026: 79 Dr. Inspiration, Garner, NC
  • May 2026: 3300 Alliance Gateway Fwy., Suite 100, Fort Worth, Texas
  • May 2026: 9510 West Hwy 98., Pensacola, Florida
  • May 2026: 195 S. James M. Campbell Blvd., Columbia, TN
  • June 2026: 28713 Ronald W Reagan Blvd., Georgetown, TX
  • June 2026: 2265 Cross Pointe Dr., Rock Hill, SC
  • June 2026: 1119 S. Park St., Carrollton, GA
  • June 2026: 200 Southern Rd., Southern Pines, NC

Gabe Hauari is USA TODAY’s national trends news reporter. You can follow him at X @gabehauari Or email Gdhauari@gannett.com.

FBI promises details on shooting near WHCA dinner party

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FBI Director Kash Patel said he and acting U.S. Attorney General Todd Blanche will soon address the nation regarding Saturday night’s shooting outside the White House Correspondents’ Dinner.

In an interview on “Fox & Friends” Monday morning, Patel said he and Blanche would address the nation with “actual details about this event.”

“We will be able to present to the world, within almost 36 hours, what happened, the whole background of this person, who he knew, where he lived, who he was talking to, everything about firearms,” ​​Patel said in an interview, adding that a press conference would be held Monday after the criminal complaint is signed by a magistrate judge.

The suspect is scheduled to appear in federal court on Monday for arraignment.

Who are the suspects?

The man suspected of opening fire at the April 25 White House Correspondents’ Association dinner appeared on Los Angeles TV news in 2017 demonstrating a prototype wheelchair.

Cole Thomas Allen, whose identity was revealed to USA TODAY by a federal law enforcement official familiar with the investigation on April 26, appeared on a KABC-TV segment about an invention conference aimed at improving the lives of seniors.

Mr. Allen demonstrated a wheelchair emergency brake prototype he developed during the segment. USA TODAY has reached out to KABC-TV for comment.

Authorities say Allen stormed into the security checkpoint at the Washington Hilton with multiple weapons before gunshots rang out. One Secret Service officer was injured. President Donald Trump attended the dinner for the first time as president. The event was also attended by several distinguished guests, including Cabinet members and Vice President J.D. Vance.

Allen’s LinkedIn account shows a post that says he earned a Bachelor of Science degree in mechanical engineering from California Institute of Technology in 2017. Caltech spokeswoman Kathy Svitil previously acknowledged the records of an undergraduate named Cole Allen, who graduated in 2017, but declined to release further information.

Acting Attorney General Todd Blanche announced on April 26 that the 31-year-old suspect will be charged with multiple charges related to the April 27 shooting.

Contributed by: James Powel, Josh Meyer, Sarah D. Wire, Nick Penzenstadler, USA TODAY

Gabe Hauari is USA TODAY’s national trends news reporter. You can follow him at X @gabehauari Or email Gdhauari@gannett.com.

Workplace stress is on the rise. How employees are coping.

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Although workplace stress has fallen below pandemic levels, it has risen again as the job market becomes increasingly uncertain and some employees deal with alcohol and drugs, in some cases breaking down in tears at work.

About 53% of employees feel stressed at work, according to a follow-up poll conducted by Gallup in February, which asked respondents whether they felt stressed “for much of the day yesterday.” Nearly a quarter said they felt sad during the same period.

why? There are several reasons why, said Nellie Brown, director of the Workplace Health and Safety Program at Cornell University’s School of Industrial and Labor Relations.

Brown says a lot has changed in the workplace since the pandemic.

“I feel like there’s more of a shortage issue,” Brown said. “In many jobs, people are working longer or more unusual hours.”

Half of workers say they feel stressed

If you can’t see the graphic, click here to reload the page.

According to a 2025 study by the American Psychological Association, job insecurity has a significant impact on the stress levels of 54% of U.S. employees. Economic uncertainty and changes in government policy are cited as two main factors.

“We’re seeing an increase in overwork, poor work-life balance, and job insecurity,” said Joseph Mazzola, a psychology professor and director of the industrial-organizational psychology master’s program at Meredith College in Raleigh, North Carolina. “I think it’s consistent with the job market deteriorating, so employers don’t have to be as attractive to applicants and employees as they used to be.”

“We’ve seen a significant increase in shift work and overtime, especially in workplaces that are understaffed,” Brown said.

Many places require overtime, Brown said. “Many people are now working longer hours, going from eight-hour days to 10- or 12-hour days. And many have to work multiple jobs to make a living, which is taking a toll on our capacity and resilience.”

What makes workers so worried?

America’s unemployment rate may be low, but so is job growth. USA TODAY reported that many workers are feeling out of place due to the slow pace of hiring and the weakest labor market in years.

Other data shows the number of Americans worried about losing their jobs is starting to rise. In a typical year, about 14% of employees (post-pandemic average) expect to lose their jobs in the next year, according to the New York Fed’s monthly consumer expectations survey.

Recent findings on unemployment have exceeded that rate over the past year. The Fed polls about 1,300 U.S. households every month on economic issues.

What substances do Americans use to relieve stress?

How are workers coping? About 50% use drugs such as alcohol, marijuana, or nicotine after work to recover from work, according to a study by Drug Rehabilitation USA released March 18. About 30% report using drugs before starting work.

Drug Rehabilitation cites the “endless news cycle and global stress” as reasons why more Americans are using alcohol and drugs to relieve stress. Approximately 84% of those surveyed said financial issues influenced their decision to use drugs.

When do workers use substances to relieve stress?

Financial hardship isn’t the only cause of personal stress, drug rehab says. Other concerns include fear of U.S. Immigration and Customs Enforcement actions and lack of affordable health insurance.

Family is also a factor.

“There are a lot of concerns about work-family balance, how people are going to care for childcare and aging parents,” Brown says. “They are what we call the sandwich generation, caring about the health issues of their aging parents and dealing with their own children.

“That’s why it’s growing so much.”

How many workers cry at work?

At least 39% of employees say they have cried at work at least once in their career. This was revealed by Resume Now’s online poll “Quiet Cry Report” conducted in December.

One-fifth of employees say they’ve never actually gotten sick, but have felt like it from time to time.

why? Almost half of those who said they had cried were worried about losing their job. Almost a quarter said they worry all the time or at least once a week. Approximately 27% of respondents said they were confident in their work.

Survey information resume now The Quiet Cry Report online survey was conducted by Pollfish in December 2025 among 1,018 full-time and part-time employed U.S. adults. drug rehabilitation usa The online survey was conducted on January 31, 2026 among 1,000 U.S. adults who were screened for substance use to manage daily stress. American Psychological Association The online survey of 2,017 U.S. adults was conducted by Harris Poll from March 26 to April 4, 2025.

Contributed by Jessica Guinn

SOURCE USA TODAY NETWORK REPORTS AND INVESTIGATIONS. Gallup; Federal Reserve Bank of New York. Drug Rehabilitation USA; Resume Now

How Mamdani plans to fight deed theft in New York City after Chi Ose’s arrest

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Days after City Councilmember Chi Ose was arrested during an eviction protest in Bed-Stuy, the mayor announced plans to combat deed theft.

The councilman said the evictions were the result of deed theft, but state officials dispute that claim.

After the arrest garnered national attention, here’s how Mayor Zoran Mamdani plans to tackle deed theft across the city.

What is deed theft?

According to the New York State Attorney General’s Office, deed theft occurs when someone takes ownership of a home without the homeowner’s knowledge and approval.

Two ways deed theft can occur include forgery, which means forging a homeowner’s signature, and fraud, when a homeowner signs a signature without understanding its true meaning.

Statewide AG’s office data shows deed complaints have jumped in recent years, from 149 in 2023 to 517 in 2025, but it’s unclear how many of them turned out to be valid.

The issue is a big one for Osse, who represents Bedford-Stuyvesant and North Crown Heights.

In February, the congressman, along with other officials and the National Coalition to Stop Certificate Theft, announced new efforts to curb fraud.

The office said in a release that Black homeowners in Brooklyn are the most affected by fraud, and they called on Gov. Cathy Hochul to issue a moratorium on evictions for New York City homes where deed theft may be occurring.

City council member Ji Ose arrested

Osse was detained after his office announced it would “protect Carmela Charrington, a voter who has spent 60 years in her home, from eviction.”

“Bed-Stuy is currently experiencing black evictions, and Carmela is one of many black homeowners in Brooklyn fighting deed theft.”

Video of the altercation shows Mr. Océ falling to the ground with NYPD officers on top of him. He was then handcuffed and taken into custody at the NYPD’s 79th Precinct in Bed-Stuy, where he was ultimately charged.

Although the city councilor claimed Charrington had stolen the case, the state attorney general’s office said a preliminary investigation had already ruled out that possibility.

The office said it investigated Charrington’s case last year and determined it was a property dispute, not a case of deed theft.

The firm said the matter arose from competing claims by the heirs and relatives of the property’s former co-owners, and the firm did not have jurisdiction to intervene in the legal dispute.

According to the ministry, four people were arrested along with Océ, and all were charged with obstruction of administration and disorderly conduct.

Ose also said he plans to file a misconduct report against the officers who threw him to the ground.

New office to fight certificate theft

On Friday, Mayor Zoran Mamdani announced plans to establish a Mayor’s Office to Prevent Deed Theft.

Mamdani’s mission, led by Brooklyn Access Judge Peter White, will be to “strategically crackdown on deed theft, flag suspicious property notifications, partner with law enforcement, conduct public education and awareness, promote preventive safeguards, and improve data sharing between government agencies,” according to a news release.

“The establishment of the Deed Theft Prevention Bureau marks a turning point in the history of this city,” City Council member Chi Ose said in the announcement..

“I am proud to partner with Mayor Mamdani to create this office, and I will continue to use all my powers to fight this crisis. For decades, deed theft has been unchecked, an epidemic that steals Black people’s homes, destabilizes families, and robs them of generational wealth.”

Silver price today on April 27, 2026

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How much is silver worth per ounce today?

As of 8:05 AM ET on April 27, 2026, the spot price of silver is $75.62 per oz., according to the latest market data. This was down 0.08% or $0.06 from the previous close of $75.69.

One year ago, silver was trading at $33.09 per ounce. This means that the price has increased by 128.51% in the last 12 months.

Key levels to look out for this week:

52 week low: $32.01

52 week high: $117.39

Silver is trading 35.58% below its 52-week high. The stock is 136.25% above its 52-week low.

What is the historical price of silver?

today 1 week ago 1 month ago 1 year ago
$75.62 $79.15 $69.75 $33.09

A week ago, silver was trading at $79.15 per ounce. Since then, the price has fallen by 4.45%.

A month ago, silver was trading at $69.75 per ounce. Since then, the price has increased by 8.43%.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of silver today?

The price of silver is driven by inflation expectations, central bank policy, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What does XAG/USD mean?

XAG/USD is the ticker symbol used to track the spot price of silver in US dollars.

XAG stands for 1 troy ounce of silver and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in silver

Investing in silver can be done by buying physical coins and bars, buying ETFs that track its price, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision. The retail price of a coin or bar typically includes a premium over the spot price.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

At least 2 people killed, dozens of families evacuated in Texas tornado

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Tornadoes reportedly ripped through Texas over the weekend, killing at least two people and destroying multiple homes.

A powerful supercell passed through north Texas on April 25, spawning two tornadoes in Wise and Parker counties, according to the National Weather Service in Dallas. One person died in both Wise and Parker counties, but the NWS noted that one of the deaths was related to very strong winds and the person was not in the path of the tornado.

Both tornadoes struck the area shortly after 9 p.m. local time on April 25, and were classified as EF-1 (estimated winds of 165 mph) and EF-2 (estimated winds of 130 mph), according to preliminary damage assessments by the NWS.

In addition to the dead, six people were treated for injuries and dozens of families were evacuated, NBC DFW reported.

Natassia Paloma can be reached at npaloma@gannett.com, @NatassiaPaloma at x. I’m natassia_paloma on Instagram and Natassia Paloma Thompson on Facebook.

Former Texas Chief Justice talks about the importance of court transparency

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Wallace B. Jefferson joined the Texas Supreme Court in 2001 and served as Chief Justice from 2004 until his retirement in 2013. As chief justice, he successfully lobbied to allow live video of the high court’s oral arguments beginning in 2007.

In an interview with state court reportJefferson addressed the importance of transparency in the courtroom, including why the U.S. Supreme Court should allow cameras during oral arguments and Texas’ policy of allowing state Supreme Court clerks to attend judicial conferences, which he noted is outside the norm of most high court policies.

jefferson is state court report advisory committee. This interview has been edited for length and clarity.

Why is it important for courts to ensure a high level of transparency to the public?

The public needs to trust in the rule of law and that it will be applied objectively, regardless of financial status, political affiliation, or other factors that the public believes will influence the course of events.

In general, the courts function very well. In most cases, the parties will have their disputes heard and undergo actual deliberations. But when I say “very hard working,” there’s an income element there, which is at stake for people who can’t afford to be represented. But I think it will work out well in court, and people should be able to see it in the workplace.

What does court transparency mean to you?

Transparency means that if you are a citizen and want to see how the courts operate, you have access. You should be able to go to the courthouse and observe the trial. Reporters should be allowed to cover the proceedings for those who cannot be there in person.

Cameras should be installed, especially in appellate courts, which have more control over the process and are typically limited to legal arguments by lawyers without citizen witnesses. These are important cases that affect everyone within the jurisdiction of the court hearing the case. People have a right to hear it.

The benefit of having cameras in the courtroom is that people can understand that the court is really trying to get the right answers, and that the case is much more complex than the news headlines suggest. Citizens can understand that certain answers may be required by the Constitution, statutes, and case law, and that these are true even if they do not like the policies being implemented.

Access to court documents is also important. Documents should be universally submitted electronically, with some exceptions regarding sensitive matters. And online access to these documents, along with all court orders and opinions, should also be free or low-cost. Most are available, but not all.

Why did you decide to broadcast the Texas Supreme Court arguments in the first place?

I have always been an appellate lawyer. Before I joined the court, my colleagues and I were very interested in what was going on in the state supreme courts and the issues they were working on. But if you wanted to see it, you had to drive to Austin. And Texas is a big state! For many, it was difficult to actually see what the court was interested in during oral arguments. You can also order audio recordings, but I couldn’t fully hear who was asking the questions, and I couldn’t tell exactly which lawyer was speaking. When I came to court, I wanted to be able to show the judge and the appellate lawyers what was going on.

So I thought, why is it aimed only at the legal profession? That applies to journalists, citizens, interest groups, political groups, and everyone else. I began my mission to expand access.

How did your fellow judges react to the cameras in the courtroom?

Because we are elected officials in Texas, some judges were worried that their videos would be used in campaign commercials that would distort or slow the images, or that people would try to take pictures of judges with their eyes closed. There are also major concerns about lawyers acting on camera without answering questions from the court. But chief justices in other states that already have cameras in their courtrooms said those concerns were not significant. It didn’t work out for us either.

What benefits did you feel by introducing the camera?

Other lawyers can tell you what works and what doesn’t. Law students will understand as well. If you want to become an appellate lawyer someday, this is the place for you. This is useful not only for journalists, but also for political parties and people who are interested in whether judges should be re-elected. They can take a look. Another benefit that people don’t often consider is that it encourages judges to prepare their arguments. You don’t want to ask stupid questions that will show that you haven’t read the abstract. It elevates that discussion among judges and lawyers alike.

The U.S. Supreme Court has so far refused to install cameras in courtrooms. Why do you think that is? And whatever the reason, do you think they have to have them?

This is a domestic court and many issues are controversial. Their safety concerns could be heightened even more if it were easier for people to meet all the judges and find out who they are. That’s really worrying.

But even when it comes to the Texas Supreme Court, a state with a population of over 30 million people, the cases are huge, some of them controversial. Although we have increased security at the Supreme Court building, there is no reason to stop live hearings of Supreme Court arguments.

If I were on the U.S. Supreme Court, I would want to discuss national security and hear from my colleagues and the U.S. Marshals Service. But since I don’t know anything about the Supreme Court other than what they do, I would put cameras in the courtroom. The courts work very well. The judges are good, prepared, knowledgeable, and ask the right questions. This would show the public that the problem is difficult and that we are serious about how to solve it properly.

Another reason the Texas Supreme Court is more transparent than the U.S. Supreme Court is who can attend the conferences where the justices discuss cases and whether they accept them. Please tell me how it works.

This has been true of the Texas Supreme Court for decades, even before I arrived. In virtually all cases, court clerks and staff attorneys were present during the court’s deliberations. Let’s consider a case where there is a possibility of a 5-4 decision. The court begins hearing the case once the petition is filed, after which briefs are filed. There are developments in the case, and law clerks and staff attorneys are listening to those developments along the way. They can also help you understand where other judges stand on the case and observe the evolution of their thinking. You’ll see how the majority will come together over time, but it can be difficult to do it on your own. My staff will help you. Their attendance helps the court run efficiently.

It was very gratifying for the clerks, who had recently graduated from law school, to be able to observe the internal deliberations. If there is a clerk responsible for a particular section of the opinion, I might ask that clerk to stand and present. So, as a first-year lawyer, they’re basically arguing before the Supreme Court.

Going out into the workforce might help correct misconceptions about how the courts work. In states where political parties run candidates for office, the public can get the impression that everything is political on the state supreme court. But current practicing clerks can help dispel the idea that just because the Supreme Court is all Republicans, that doesn’t mean it’s group think. Very serious disagreements will resolve themselves and compromises will be made along the way.

The United States Supreme Court shadow docketan expedited case resolution process that does not involve oral argument or limited explanation, and generally results in a judgment that includes minimal analysis or explanation of the court’s reasoning. Is there an equivalent in Texas and do you think there is a problem with the way this decision is made?

There was nothing similar in Texas during my tenure, and I see no inevitability today. The model method for deciding cases, whenever possible, is full briefing and oral argument. Sometimes that is not possible. In some cases in Texas, courts have had to take emergency relief measures to halt depositions or halt trials because the parties may be disadvantaged if the matter is not resolved quickly. For example, even if you ultimately win, your trade secrets will be revealed and you will lose.

However, in most cases, the case ends up going to oral argument. We have separate curiam documents without oral arguments, but they are supposed to be reserved for cases where obvious errors are apparent.

Returning to the importance of transparency, are there any reasons why transparency is important that may not be obvious to someone who doesn’t look closely at the courtroom?

A byproduct of transparency is that it creates a kind of community of people who care about the court. They perform their own analysis of trends and data and observe what is written in court minutes. They can do it much easier if the information is readily available. There are a lot of students of the court system, so to speak, and they talk to their colleagues and other appellate attorneys and attorneys in general.

The bottom line is that transparency increases public trust in the court system. This increases the responsibility of judges and increases the responsibility of the system. After people see what you’re doing, if they have a complaint and it’s legitimate, you might as well address it.

Erin Geiger-Smith is a writer and editor at the Brennan Center for Justice.

Recommended Citation: Erin Geiger Smith, Former Texas Chief Justice talks about the importance of court transparencySᴛᴀᴛᴇ Cᴏᴜʀᴛ Rᴇᴘᴏʀᴛ (April 24, 2026), https://statecourtreport.org/our-work/analysis-opinion/former-texas-chief-justice-importance-court-transparency

Gold price today on April 27, 2026

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How much is gold per ounce today?

As of 8:05 AM ET on April 27, 2026, the spot price of gold was $4,703.68 per oz., according to the latest market data. This was down 0.12% and $5.67 from the previous closing price of $4,709.35.

One year ago, gold was trading at $3,319.21 per ounce, which represents a 41.71% increase in price over the past 12 months.

Key levels to look out for this week:

52 week low: $3,182.44

52 week high: $5,477.79

Gold is trading 14.13% below its 52-week high. The stock is still 47.80% above its 52-week low.

What is the historical price of gold?

today 1 week ago 1 month ago 1 year ago
$4,703.68 $4,751.37 $4,493.87 $3,319.21

A week ago, gold was trading at $4,751.37 per ounce. Since then, the price has fallen by 1.00%.

A month ago, gold was trading at $4,493.87 per ounce. Since then, the price has increased by 4.67%.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of gold today?

The price of gold is driven by inflation expectations, central bank policies, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What is XAU/USD?

XAU/USD is the ticker symbol used to track the spot price of gold in US dollars.

XAU stands for 1 troy ounce of gold and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in gold

Investing in gold can be done by buying physical coins and bars, buying ETFs that track the price of gold, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision. The retail price of a coin or bar typically includes a premium over the spot price.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

Texas lawmakers to meet on Camp Mystic July 4th flood study

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For the past year, Texas lawmakers have been investigating the July 4, 2025, floods that killed more than 130 people, including 27 girls attending a summer camp in central Texas.

Nearly a year later, Texas House and Senate investigative committees will meet for the first time in Austin. Days after visiting Camp Mystic (just north of San Antonio), 27 girls and the camp owner were killed in heavy rains caused by the rising waters of the Guadalupe River.

It also came after the camp announced in late 2025 that it would renovate some of the destroyed grounds and reopen for the 2026 summer season amid intense backlash from the parents of the girls who died, Texans and lawmakers.

The state Legislature created a commission to investigate the incident, and the parents of 8-year-old Cecilia “Cillie” Steward, whose body has never been found, filed a lawsuit over plans to reopen the camp.

The family asked the court to order the camp’s owners to halt construction and modifications to preserve evidence and to cease “commercial use” of the Camp Mystic property while the lawsuit proceeds. Earlier this month, a court heard horrifying and emotional testimony from camp counselors that night as part of the lawsuit.

Camp Mystic, Texas When will lawmakers meet to discuss July 4th flooding?

The Texas House and Senate Committees on the July 2025 Flood Event are scheduled to meet in Austin, Texas, on Monday, April 27 and Tuesday, April 28 at 10 a.m. Central Time/11 a.m. Eastern Time.

According to the notice, lawmakers will “receive investigative updates from the commission’s investigators in connection with the investigation into the 2025 flood event.”

There will be no public testimony. Only invited testimonies will be heard.

How can I watch the July 2025 Texas hearing?

The hearing will be held in Room E2.016 of the Texas State Capitol.

It will also be live-streamed at house.texas.gov/video-audio/ or senate.texas.gov/av-live.php.

Mateo Rosiles is a Texas Connect reporter for USA TODAY and local Texas newspapers. Do you have any news tips for him? Email us at mrosiles@usatodayco.com.

The worst part of their cruise is going viral. Who are the runners on the pier?

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Cruise passengers who all miss their boarding time may be left stranded and forced to make their own travel plans.

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  • The phenomenon of “peer runners,” or cruise passengers rushing back to ships, gained widespread attention through videos on social media.
  • Booking a shore excursion through a cruise company is a safer option as the ship will be on standby if your tour is delayed.

Meredith Williams is a veteran cruiser who sails about seven or eight times each year. But even she has felt like missing the boat from time to time.

The 38-year-old had booked an excursion to Puerto Princesa Subterranean River National Park in the Philippines during a December 2024 cruise through a third-party provider, but it was sold out with the cruise line. The site is about a two-hour drive away and was crowded with other visitors, causing delays.

“And then I started getting really worried and I was talking to my guide and I was like, ‘Hey, do we have time to do this?'” Because it’s a two-hour drive there and back, and what if there’s traffic? What to do if your tire goes flat? ” she recalled in an interview with USA TODAY. “All the worst-case scenarios go through my head.”

She and about seven other passengers returned to the Norwegian Cruise Line ship about 30 minutes late after queuing behind another ship on the way out. Williams recorded a video on her YouTube channel of her frantic drive and brisk return as other guests watched from their balconies.

“My watch records my heart rate all day long and I think it’s because of how anxious and stressed I was that I was exercising,” she said in the video. Travel Cart Tours and Services, which provides the tour, did not immediately respond to USA TODAY’s request for comment. Norwegian had no comment.

Philadelphia residents are not alone. Many videos of pier runners (guests rushing to get back to the cruise ship before it departs) have gone viral on social media, and gathering on the outside deck to watch the stragglers has become a form of entertainment.

However, a delayed return could have serious implications for both cruise lines and travelers. Here’s what you need to know:

“That’s always the case.”

Joanna Kusar, a travel agent and owner of Portside Travel Consultants, said she has seen pier runners since she started taking cruises in the late 1980s.

“I always saw people coming in at the last minute,” she says. “The funny thing is, you wait for the announcement. That was the big thing. You start announcing people’s names to see if they’re participating. So, that was the usual thing.”

At the time, the spectacle was relatively contained in cruise passenger circles, Kusar said. “It wasn’t as popular as it is now because of TikTok and social media,” she pointed out.

The video has been the subject of debate. “Some people think it’s hysterical, and some people say, ‘Oh no, you shouldn’t criticize them. You shouldn’t film them,'” she says. “Then the rest of us say, ‘The onus is on you. If you’re going to run for the pier, people will gather on the balcony.'”

Kusar and Williams also said some of the footage appears to be staged.

“I feel like it used to be just a fun thing for people on cruises, but now people want the flexibility of social media,” Kusar added. “They want to be able to film it and post it.”

What happens if I miss my cruise?

Cruise ships operate on tight schedules, and passengers can be stranded if they fail to board the ship by the allotted boarding time.

“There are often very strict rules and it’s very expensive to berth,” Kusar said. Other ships may also come in.

Before departure, the cruise line will collect the lost guest’s passport and other travel documents from the stateroom (if not taken ashore) and submit them to the port authority. That way, passengers can arrive at their next port or home depending on the time remaining on their voyage.

In such cases, passengers are usually responsible for making their own travel arrangements. Travel insurance is also usually not very helpful.

“Typically, trip delay/missed connection coverage is the result of a missed cruise/tour departure due to a general airline delay, such as an airline delay or cancellation for a covered reason,” Megan Walch, InsureMyTrip’s product director, previously told USA TODAY. “Tour operators who are unable to return to the cruise in time are typically not covered by insurance.”

How to avoid becoming a pier runner

There are several steps travelers can take to avoid eloping off the pier and ending up in a viral video.

Cruise ships will post all embarkation times in a daily planner delivered to your stateroom or to the cruise line’s app. Kuther recommends guests set reminders on their phones and keep their time zones in mind.

“Three times,” Kusar said. “There’s your local time, there’s the local time of the port you’re in, and then there’s the ship’s time. You always, always have to follow the ship’s time.”

Travelers should keep in mind that the latter two are not always the same.

Booking shore excursions through a cruise company can be more expensive, but it’s also often a safer way to avoid delays on your return. Not only does the ship record the guest’s location, but the operator ensures that the guest returns on time.

However, third-party vendors may also offer guarantees to get guests back to the ship on time or to the next port of call at no additional charge.

When booking individually, Williams recommends using reputable airlines. Reviews from other travelers and social media posts can be helpful when doing your research.

However, it doesn’t hurt to be prepared for the worst. Williams always brings a cell phone charger, a copy of her passport, and, for water excursions, a waterproof pouch to hold her cell phone, cash, credit cards, and other belongings.

If a traveler takes medication and cannot go more than 24 hours without it, Williams recommends bringing at least two days’ worth of extra medication.

Kuther suggests everyone return to the ship 30 minutes to an hour before boarding time. “Anything can happen,” she said.

A few years before her trip to the Philippines, Williams was stuck in traffic in Bermuda on her way back from a short trip she had booked on Norwegian Airlines, arriving 45 minutes after her full flight time. She worries she would have been left behind if she hadn’t gone on a cruise-line-sponsored trip.

“But instead they waited, and the moment we all got back on the ship, the gangway went up and we were off.”

This article has been updated to update the headline.

Nathan Diller is a consumer travel reporter for USA TODAY based in Nashville. Please contact us at ndiller@usatoday.com.

Have you maxed out your IRA? How an HSA can boost your retirement savings

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Don’t think you have to stop saving money for the future.

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Many people struggle to save money for retirement. So if you’re in a position to get the most out of your IRA, consider that you’re ahead of the game.

But while maxing out your IRA is great, it may not be enough to meet your retirement savings goals. That’s because this year’s IRA limit is $7,500 for workers under 50 and $8,600 for those over 50. In contrast, a 401(k) allows you to contribute up to $24,500 this year if you’re under 50 and up to $32,500 if you’re 50 or older.

Of course, maxing out your IRA over a long career could be enough to make you a millionaire in retirement. But if you want to up your savings game, you may be inclined to look outside of your IRA.

For some people, supplementing IRA contributions with a 401(k) may be an option. However, if your company doesn’t offer a 401(k) plan, it may be off the table.

The good news is that there are other accounts you can consider to build your retirement nest egg. It may not seem like a good choice at first. But dig deeper and you’ll see why it’s the best choice.

HSAs also function as retirement savings accounts

What’s so great about Health Savings Accounts (HSAs) is that they’re 3x more tax-advantaged. When using HSA:

  • Donations are made on a pre-tax basis
  • Investment profits are tax-free
  • Withdrawals are tax-free as long as they are used for qualified medical expenses

At first, an HSA may not seem like a great retirement savings tool. After all, the main purpose of these accounts is to help people save and cover their medical costs.

However, HSAs can also function as retirement accounts for several reasons. First, funds do not have an expiration date. You can carry the balance into retirement and use it to cover your future medical needs.

Second, there are penalties for using your HSA for non-medical purposes. However, this is limited to those up to the age of 65. Once you turn 65, you can use your HSA for any reason without penalty.

In that case, you will have to pay taxes on the withdrawal. But it’s no different than a traditional IRA.

To qualify for an HSA, you must enroll in a high-deductible health insurance plan that meets certain requirements. The criteria changes every year, so it’s best to check with your benefits administrator to see if your health plan qualifies.

But if that happens, maxing out your HSA can be a great supplement to your IRA. You may also want to prioritize HSA contributions, as they offer even more tax benefits than IRAs.

Another backup option to consider

Your IRA may be maxed out, you may not have a 401(k), or your health insurance plan may not be compatible with your HSA. If that’s the case, don’t take your retirement savings beyond your IRA.

A taxable brokerage account allows you to invest your money and save it for your retirement. There are no donation limits, withdrawal rules or restrictions.

As the name suggests, these accounts are not tax deductible. But if you’ve exhausted all other options, a taxable brokerage account may be your backup plan.

As a bonus, a tax brokerage account gives you more options for early retirement. It’s actually beneficial to incorporate taxable accounts to some extent into your strategy, since you don’t have to worry about early withdrawal penalties like with an IRA, and you don’t have to wait until age 65 to take a withdrawal for any reason like with an HSA.

The Motley Fool has a disclosure policy.

The Motley Fool is a USA TODAY content partner providing financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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Wisconsin Democratic Party condemns liberal supporter’s post assassinating Trump

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  • A liberal activist and brewery owner posted on social media about former President Donald Trump’s assassination.
  • The post came after a shooting occurred at an event President Trump was attending in Washington, D.C.
  • The Wisconsin Democratic Party condemned the remarks, calling them “totally unacceptable.”

MADISON – The state Democratic Party is accusing liberal financial backers of postings promoting the idea of ​​assassinating President Donald Trump in the wake of the Washington, D.C., shootings and an event the president attended.

Kirk Bangstad, owner of Minocqua Brewing Company and founder of a political action committee that supports progressive politics, said Saturday in a post from the brewery’s Facebook account: “Here we go, #freebeerday is just around the corner. Unless our brothers or sisters in the resistance get better at shooting, we’ll need to fabricate another assassination to get a positive news cycle.”

The post was made after a gunman opened fire at the White House Correspondents’ Association dinner in Washington, D.C., on the evening of April 25. Acting U.S. Attorney Todd Blanche said the gunman appeared to have targeted Trump and administration officials who were attending the event.

“We’ll never know. Either way, we’re ready to pour free beer on that day,” the post said, referring to a promotional campaign Banstad launched to hand out free beer in the event of President Trump’s death. President Trump has been the target of assassination attempts before.

In January, the brewery posted on Facebook that it would sell free beer “all day long on the day he dies,” seemingly referring to President Trump but without naming him. “If that happens in the next few months, show me this post and I’ll keep my promise.”

Banstad also sells shirts that say “I wish it was Free Beer Day at Minocqua Brewing Company” and voodoo dolls with Trump’s face on them.

At the time, Bangstad told Fox News: “We welcome anyone who celebrates the impending death of a twice-impeached and convicted felon who covered up the largest child sex ring in American history.” He was the man who made it possible for his contemporary American Gestapo to brutally murder two American protesters in a matter of weeks.

A spokesperson for the Wisconsin Democratic Party said Banstad’s “rhetoric is completely unacceptable and should be immediately retracted.”

“We will not be afraid to condemn this type of inappropriate behavior wherever it comes from, and our Republican colleagues should learn to do the same,” state Democratic Party spokesman Phil Schulman said in a statement.

Banstad did not respond to the Milwaukee Journal Sentinel, but in another Facebook post he criticized his own post by linking to merchandise promoting Trump’s death, hitting back at Democrats who supported his earlier remarks.

“Our celebration of life will be legendary!” he wrote in the post

“Leave it to corporate Democrats and politically naive Democratic gubernatorial candidates to denounce ‘political violence’ and ‘politically violent rhetoric’ in the wake of the third suspicious/debatable fake assassination attempt on President Trump,” Banstad wrote in a post sharing the Journal Sentinel article.

Bangstad also offered a hint to Democrats: “What if the Journal Sentinel, in light of this undoubtedly false assassination attempt, cornered you and made you ‘buy into’ the Republican rhetoric that ‘libs are violent’?”

Banstad’s Minocqua Brewing Company opened about 10 years ago and is known for selling politically-themed beers. The release includes Tammy Shandy, Evers Ale and Mandela Mash, and mentions Democratic U.S. Sen. Tammy Baldwin, Gov. Tony Evers, and former Lt. Gov. Mandela Burns, who is running for governor in 2026.

“I condemn those who responded to last night’s shootings with anything other than anger at the current state of political violence in our country,” Burns said in a statement. “This is completely unacceptable and we are grateful for the actions of law enforcement who acted quickly and bravely to keep everyone safe.”

State Rep. Francesca Hon, who is leading in the Democratic primary in recent statewide polls, said her posts on X condemned political violence. “Too many people in politics, in all walks of life, have started treating it as background noise and an unavoidable cost of the job. We cannot afford to become numb to it,” she said.

A campaign spokesperson said Banstad’s post was “intentionally inflammatory and a symptom of the normalization of political violence.”

Missy Hughes, former CEO and director of the Wisconsin Economic Development Corporation and a candidate for governor in the Democratic primary, said the violence was “a scourge on our democracy and we must all make sure we never tolerate or accept it.”

“This is especially true for those who trivialize and encourage violent attacks,” Hughes said in a statement. “Such vile rhetoric is completely unacceptable and must be widely condemned.”

A spokesperson for Hughes said in a statement that Hughes “feels that Kirk Banstad’s comments are deeply offensive and representative of the toxic politics that are sadly corrupting public discourse today.”

“These statements do not reflect Wisconsin’s values,” he said.

“This rhetoric is dangerous, unacceptable, and shows how broken our political system is,” Rebecca Cook, a Democratic candidate running for the 3rd Congressional District who worked for Banstad during his 2016 campaign, said in a statement.

“I condemn all forms of political violence. We need to lower the temperature, stop fighting among workers, and come together to solve the very serious problems facing our communities,” Cook said.

Banstad has also used super PACs to fund lawsuits to eliminate the state’s private school voucher program and accuse Republican lawmakers of aiding and abetting the Jan. 6, 2021, riot at the U.S. Capitol. He is also involved in a legal battle with the conservative newspaper Lakeland Times.

Washington linebacker Monte Coleman, three-time Super Bowl champion, dies

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Monte Coleman, a linebacker who played on all three of Washington’s Super Bowl championship teams, has died. He was 68 years old.

The Commanders announced his death on April 26 with a post on the team’s X account that read, “We mourn the passing of Monte Coleman, one of the greatest players of all time in Burgundy & Gold.”

“Our deepest condolences are with his loved ones.”

Team owner Josh Harris offered to provide further input.

“Monte Coleman was one of the greatest players in Washington history,” Harris’ statement said. “He played on all three Super Bowl championship teams and was one of the pillars of our championship defense. His durability and leadership set the standard for what is worthy of the Burgundy & Gold.”

“Monte will be greatly missed. Our thoughts and prayers are with Coleman’s family, his friends, and everyone who knew him.”

Drafted in the 11th round out of Central Arkansas in 1979, Coleman quickly settled in Washington, playing all 16 of his NFL seasons there. At a time when Hall of Famers Mike Singletary, Harry Carson and Jack Lambert were among the league’s most famous off-ball linebackers, Coleman wasn’t festooned with personal accolades, but he was still a key defensive cornerstone to Washington’s success under head coach Joe Gibbs in the 1980s and early ’90s. During this period, the club appeared in Super Bowls 17, 18, 22, and 26, winning all of them except Super Bowl 18, which they lost to the underdog Los Angeles Raiders.

Coleman was a fixture on these teams, leading the league in tackles with 118 in 1980, the first of three seasons in which he reached the century mark. He finished his career in 1994 with 17 interceptions and 49 1/2 sacks. His 215 regular season appearances rank second in franchise history behind Coleman’s longtime teammate, Hall of Fame cornerback Darrell Green. Coleman also appeared in 21 playoff games, including four Super Bowls, and totaled 1.5 Super Sunday sacks.

A pillar of the Washington community, Coleman was inducted into the team’s Ring of Fame in 2015.

He also served as head coach at the University of Arkansas at Pine Bluff from 2008 to 2017.

“Coach Coleman embodies everything we strive for at UAPB: excellence, integrity, and a relentless commitment to the development of our student-athletes,” Chris Robinson, the school’s vice president and director of athletics, said in a statement.

“His legacy is not only marked by championships and accolades, but by the lives he changed every day.”

The cause of death has not been disclosed.

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No Fed rate changes expected as Powell-Warsh shift looms

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The Fed is likely to remain in wait-and-see mode and keep interest rates unchanged at the end of its two-day meeting on April 29, amid lingering concerns about the risk of an Iran war accelerating inflation and the job market.

Rather than interest rate decisions, the focus may be on Jerome Powell’s press conference, which could be his last as chairman. Fed watchers will be looking for clues in his words about whether officials see inflation or a weak job market as a greater threat.

Concerns about the slowing labor market and low employment environment prompted the Federal Open Market Committee to cut interest rates three times late last year. Those concerns remain, but are alleviated somewhat by Labor Department estimates that U.S. employers added 178,000 jobs in March. Meanwhile, the province’s consumer price index, a measure of annual inflation, jumped from 2.4% in February to 3.3% in March.

Prices are likely to continue rising in the near future due to the Trump administration’s new tariffs, rising oil prices and supply chain disruptions due to the war. The key question is whether these inflationary shocks are temporary or persistent, and the distinction depends on how long the war lasts.

Forecasters overwhelmingly expect the committee to keep interest rates unchanged in the range of 3.5% to 3.75%.

There is no “obvious” route for fees.

Chairman Powell downplayed concerns about stagflation in a press conference after the last rate decision, saying he was reserving his term in case a more serious situation arises. Still, Chicago Fed President Austan Goolsby said it’s a scenario that will keep him up at night.

“High oil prices could cause stagflation before tariff inflation is resolved, and the result is that American consumers, who are the mainstay of growth, just give up, say they don’t have confidence, start hoarding money, and we end up in a stagflation-like recession. That would be the worst outcome,” Goldsby said at the Detroit Economic Club on April 7.

At the same time, Goolsby said Americans’ incomes and the unemployment rate (4.3%) remain “strong.” He agreed with Powell’s view that there is no “obvious” path for interest rates.

As of March 18, members’ median forecast for the federal funds rate at the end of 2026 was 3.4%, suggesting a quarter-point cut, but a rate cut could occur in the second half of this year.

“Continued uncertainty related to the Strait of Hormuz strengthens the case for the Fed to remain on the sidelines, certainly for the next meeting, and perhaps for months after,” Sue Hill, head of the government liquidity group at global investment management firm Federated Hermes, said in a report to USA TODAY.

Treasury Secretary Scott Bessent and Cleveland Fed President Beth Hammack, who holds a vote on the committee, have both indicated the Fed will pause in April.

Pending transition from Powell to Warsh

Under normal circumstances, Powell’s term would end on May 15, and the FOMC would not meet again until mid-June, so the press conference following the April decision would be Powell’s last. But Powell has said he will remain in the position on an interim basis if a replacement is not confirmed by the end of his term.

President Donald Trump nominated Treasury Department official and former Federal Reserve chief Kevin Warsh for the post, but his confirmation has been held up by Sen. Thom Tillis (R-North Carolina), who wanted to first end the Justice Department investigation into Powell. On April 24, D.C. U.S. Attorney Jeanine Pirro announced that the department had closed its investigation, but said, “We will not hesitate to reopen a criminal investigation if the facts warrant.”

The decision likely clears the way for Warsh’s confirmation, as Tillis acknowledged in an April 26 social media post that he looks forward to supporting Warsh as a candidate.

“I take the Department of Justice at its word. The investigation is closed and any appeal of Judge Boasberg’s decision will be based on legal principles and not for the purpose of reissuing subpoenas,” Tillis said. “The investigation will not be reopened unless a criminal complaint is filed by the inspector general.”

He continued, “With these assurances, I look forward to supporting Kevin Warsh’s confirmation. He is an outstanding candidate, and it is time for the Federal Reserve to move past this distraction and return to its mission.”

President Trump threatened to fire Powell if he did not resign in mid-May, but Powell told reporters on March 18 that it was “required by law” for Warsh to remain in the chair if he was not confirmed in time. He added that he plans to continue serving on the Fed’s board of directors until the Justice Department’s investigation is “truly concluded.” His term ends in January 2028.

“This scenario would raise significant legal issues, especially as the legal case surrounding the removal of Fed Director Lisa Cook is still pending,” David Royal, chief financial and investment officer at Thrivent, told USA TODAY. “It would further heighten tensions about the Fed’s independence, which both markets and Congress have expressed serious concerns about in the past. Any Fed transition could increase market volatility, but this scenario would almost certainly amplify volatility as markets seek clarity on next steps.”

If confirmed, Warsh could try to introduce a series of reforms to the Fed. At his confirmation hearing on April 21, he suggested that the central bank needs new tools, a new inflation framework, and a new communication style that is less focused on forward guidance.

Isaac Wheeler, managing director of balance sheet strategy at Derivatives Path, said that if Mr. Warsh is not confirmed in time, much attention will be focused on the “showdown” between Mr. Trump and Mr. Powell, but to Main Street consumers, Mr. Warsh and Mr. Powell are not that different anyway.

“For someone like me who’s in the markets every day, yes, he’s definitely different,” Wheeler said, but added, “At the end of the day, this pick is probably one of the most traditional things the administration has done. … No one should expect the Fed to change dramatically overnight or that interest rates will change dramatically just because he’s appointed.”

What do the FOMC’s interest rate decisions mean for consumers?

Generally, the Fed lowers its base interest rate to stimulate the economy and raises it to control inflation. Interest rates will be left unchanged if we judge that monetary policy is in good condition or if there is a threat to both sides of the dual mandate.

Lower interest rates make it cheaper to borrow, which can indirectly impact financing rates on auto loans, personal loans, and credit cards. It also encourages business investment and growth, which can lead to increased employment. Higher interest rates could reduce inflation by reducing spending, which could theoretically help consumers by stabilizing prices.

But not everything about inflation and the labor market is under the Fed’s control. As mentioned earlier, new tariffs and oil price shocks are likely to keep prices high for the foreseeable future. Immigration crackdowns that limit the supply of workers, companies’ adoption of artificial intelligence, and general uncertainty have caused many employers to halt large-scale hiring.

William Stern, founder and CEO of Cardiff, a small business lender, said small business owners, who are often locked out of capital, shouldn’t view the Fed as a “superhero” who can save them.

“The people who actually build this country are fighting for their lives against a unified enemy: perpetual inflation,” Stern said. “As consumers and small business owners, we have to write our own stories and make sure there is a happy ending. That means being able to take a bullish stance and make decisions independently, whether we receive a rate cut or not.”

The FOMC is scheduled to announce its interest rate decision on April 29th at 2:00 pm ET, followed by Chairman Powell’s press conference scheduled for 2:30 pm ET.

Contact Rachel Barber at rbarber@usatoday.com, follow her at X @rachelbarber_ and subscribe to her newsletter Making More of Your Money here.

Why accessing airport lounges is now easier (and harder) than ever

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Credit card access to the lounge has been expanded, but crowds are restricting entry for many travelers.

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  • The most reliable way to get into airport lounges is with a premium travel credit card and a first class ticket.
  • Lounge congestion has made it difficult for travelers without premium access to enter the lounge.
  • Some airlines and independent lounges sell day passes, but availability is often limited due to capacity restrictions.

For some travelers, getting into an airport lounge has never been easier.

As lounges grow in popularity and more travelers compete for a spot in a comfortable chair, lounge operators must work harder to control flow. That means someone who doesn’t splurge on fancy credit cards or premium airline tickets may not be able to secure a slot behind a frosted glass door.

“The good news is there are still a lot of those services out there, and if you’re going to spend money on lounge memberships or any of the premium travel credit cards that you can sign up for, there’s still a relatively easy way to sign up for them,” Kyle Potter, editor of travel and flight deal website Thrifty Traveler, told USA TODAY. “The problem is that there is not, and there will never be, enough lounge space for people who want to spend time inside the airport.”

What is the best way to access airport lounges?

Travel-specific credit cards and premium long-haul tickets are the most reliable ways to access lounges.

“Undoubtedly the most popular and not only the main culprit, but probably the only culprit, for lounge congestion is the premium travel credit card,” Potter said.

Cards such as American Express Platinum, Chase Sapphire Reserve and Capital One Venture X have all grown in popularity in recent years, Potter said, and lounge access is one of the key selling points for many travelers.

Most airlines offer lounge access to passengers with business class or first class tickets on long-haul flights, but you should check with your airline for specific policies.

Many airlines with large lounge networks also offer annual lounge memberships for sale or as perks for top frequent fliers.

Mr Potter warned that it could be expensive. He said annual lounge memberships can be more expensive than the high annual fees of premium credit cards, but lounge memberships are typically less restrictive than credit card access.

Can I enter the lounge without a premium credit card?

Potter said the popularity of premium credit cards has made lounges unavailable to other travelers. Some airlines, such as American Airlines and United Airlines, sell paper day passes to some lounges, but availability may be limited, especially on peak travel days.

The same goes for facilities like Escape Lounges, where we may block access, add waiting lists, or stop selling day passes based on real-time crowding. Escape Lounge recommends advance reservations to avoid being denied access due to capacity restrictions on the day of your trip.

“These lounges have more cardholders in them than they can accommodate. Once we reach capacity, we’re all basically making the same decision unilaterally, which is to limit this to just cardmembers,” Potter said.

American Airlines sells one-day passes to Admirals Club for $79. Passengers must have a same-day ticket on American Airlines, and the company says “clubs that are currently closed, under construction, or have limited space” may be excluded.

United Airlines, which sells one-day passes to its United Club for $59, similarly warns that passengers can only purchase admission passes within three hours of departure and that “access is subject to availability.”

Many premium credit cards include Priority Pass membership as a perk, giving you access to lounges. If you don’t want to pay the full annual fee for a premium credit card, or if you don’t want to pay for a day pass or premium cabin ticket each time, you can also purchase an annual Priority Pass membership separately.

Subscriptions to the company’s global lounge network start at $99 per year.

How do you know if a premium credit card is worth it?

You’ll have to calculate for yourself whether it’s worth paying a high premium credit card to visit an airport lounge once or twice a year.

“There’s certainly a trade-off there. If you plan on traveling twice a year, is it worth paying $900 for a credit card that gives you lounge access? Probably not,” Potter said. “It comes down to a very practical calculation: Can I visit these lounges often enough to offset the cost I’m paying to get in?”

Zach Wichter is a travel reporter and writes the Cruising Altitude column for USA TODAY. He is based in New York and can be reached at zwichter@usatoday.com.

Looking back at past gaffes ahead of King Charles Trump’s visit

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What could go wrong?

When King Charles III and Queen Camilla arrive in the United States on April 27, nearly every move of their four-day visit will be planned and every word scrutinized. But past royal visits to Washington have been hit or miss, from lecherous muskrats to talking hats.

Roll the tape on six past gaffes.

who is your dad?

In 1951, Prince Charles’ mother and heir to the throne first set foot in the former British colony as a princess who visited and charmed President Harry Truman.

After landing at National Airport, Truman accompanied Princess Elizabeth in the back seat of the open presidential limousine to Blair House, the elegant government residence where the presidential family resided while the White House was being renovated.

He took her and Prince Philip up to the fifth floor to meet his mother-in-law. Madge Gates Wallace was 98 years old, nearly deaf, and notoriously difficult.

“Mom, I brought Princess Elizabeth to see you!” Truman said in a voice that almost screamed. She had been briefed on the British election the week before, which saw Winston Churchill return as prime minister.

That inspired her to bless Elizabeth.

“I’m so happy your dad got re-elected,” she said.

Liz! smile! Look here!

During their visit, Elizabeth and Philip attended a reception in the grand ballroom of the Statler Hotel for around 900 journalists, including press photographers who did not treat her with the customary respect of their London cousins.

“Liz!” they shouted, trying to turn her around. They urged her to pose with the bandleader and ordered her to smile.

She accepted it honestly. But days later, during a short vacation near Quebec, she was seen reenacting the scene, pointing the home movie camera at her husband and issuing orders in her version of an American accent.

“Hey, you there!” she cried. It was a rare glimpse into her sense of humor and talent for impersonation. “Hey, Dooku! Look at me! That’s right! Thank you!”

Muskrat in love

The entertainment in the East Room after the 1976 White Tie State Dinner surprised some people. The soft rock duo Captain & Tennille appeared on stage, performing their hit song “Muskrat Love.”

The lyrics told the story of a romantic encounter between two rodents named Susie and Sam. Or, as the British ambassador later described it in a telegram to London, it was “a vivid electronic tone poem about the courtship of muskrats.”

A dance then took place between the Queen and President Ford.

As they stepped onto the State Dining Room dance floor, the Marine Band began the next song on the playlist.

That happened to be “The Lady is a Trump.”

talking hat

George H.W. Bush was 6’2. ” Queen Elizabeth was 5’4 tall. ”

This is important because when President Bush finished greeting her on the South Lawn in 1991, he neglected to pull out a small step stool for her to stand under the presidential podium.

When she spoke, her face was blocked by a microphone. All reporters could see was a wide-brimmed striped hat that swayed as she spoke.

“She’s gone!” NBC’s Jim Miklaszewski yelled. “All I got was a talking hat!”

The president was horrified. The Queen was amused.

The next day, in a speech to a joint session of Congress, she opened with a joke. “I hope you can see where I am now,” she said dryly, eliciting laughter.

bear hug

A White House advance guard had warned Alice Frazier of the rules of royal protocol when the Queen visited her three-bedroom apartment in a new public housing project in Baltimore in 1991. Rule number one: Don’t touch Her Majesty.

But when the official entourage arrived, the 67-year-old great-grandmother immediately wrapped the Queen in a bear hug.

Her Majesty did not push her away, but she did not return the gesture either, her face showing a stiff upper lip in a smile.

“They said I shouldn’t have done that, but I couldn’t stop myself,” Frazier told reporters after his entourage left. “She has her own palace, but I have my own here, and I’m proud of it.”

He added, “Listen, she’s a woman just like me. If she hadn’t worn that crown, she would have been just like me.”

For the record, Elizabeth did not actually visit wearing a crown. She wore a maize-colored hat that matched her suit.

how old are you?

Then, in 2007, George W. Bush welcomed the Queen in the Rose Garden during another state visit.

The steps of the podium were carefully set up so that he could no longer continue speaking, but the president let his lips slip and began his speech.

“You helped our country celebrate its bicentennial in 2017,” he began, reflecting on himself before ending the year. “In 1976!”

He looked at her with a smile and winked. Turning to the gathered dignitaries, he reported, “She gave me the look that only a mother can give to her child.”

David Manning, Britain’s ambassador to the United States at the time, said the Queen didn’t mind her occasional gaffes. In a life dictated by schedules and scripts, she sometimes seemed to enjoy them.

“I’ve seen her get amused when things haven’t gone well,” he said. All things considered, that was a good thing.

Susan Page, USA TODAY’s Washington bureau chief, is the author of “Queens and Presidents,” published by Harper in April.

Matthijs Albert becomes the youngest American to play in the Bundesliga

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Matthijs Albert became the youngest American to debut in Germany’s Bundesliga, one of Europe’s top leagues, playing in Borussia Dortmund’s 4-0 win over Freiburg on Sunday, April 26th.

Albert was born on May 21, 2009, making him 16 years, 11 months and 12 days old, making him younger than then-record holder Gio Reyna, who made his debut for Borussia Dortmund in 2020 at 17 years, 2 months and 5 days. Reyna’s debut broke Christian Pulisic’s record.

Albert was born in South Carolina, but moved to Southern California and attracted the attention of European scouts as a player for the LA Galaxy Academy.

He represented the United States at the 2025 U-17 World Cup, scoring one goal as the United States advanced through the group stage undefeated and converting a penalty kick in the Round of 32 loss to Morocco in a penalty shootout.

Professional appearance records are announced after a number of impressive performances at youth level and in the UEFA Youth League.

“I started performing right away, but it felt very difficult,” Albert told Goal last year. “It was fun to go to training and games, but then you’re like, ‘Oh, (expletive), I’m thousands of miles from home.’ I still feel that way sometimes. It’s hard being away from L.A. It was a struggle at first, but then my family came to visit and everything started to fall into place.”

Alberto will make his debut before Reina and Pulisic, but some may point to Bundesliga rules that previously prevented players from registering before their 17-year-old season. This rule was amended in 2020 to allow 16-year-old players, including Dortmund’s then-prospective prospect Youssoufa Moukoko, to participate.

With the win, Dortmund have confirmed their place in next season’s UEFA Champions League, and Alberto will be hoping to earn playing time in the remaining three games of the Bundesliga season.

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Timeline, map and video show gunman accusation press dinner featuring Trump

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The gunman who stormed the checkpoint at the White House Correspondents’ Association dinner clearly targeted President Donald Trump and administration officials, Acting Attorney General Todd Blanche said on April 26.

The suspect was seen on security video carrying a shotgun, handgun and knife and appears to have passed a security guard at a checkpoint inside the Washington Hilton Hotel, according to the Washington, D.C. Metropolitan Police Department.

Shots were fired and chaos erupted when the suspect was tackled upstairs in the hotel ballroom where the event was being held. A Secret Service agent wearing a bulletproof vest was shot and killed. He was hospitalized but was later reported to be in good condition. There were no other injuries.

Shortly after the dinner began, shots were heard, and President Trump, First Lady Melania Trump, Vice President J.D. Vance, and other officials quickly evacuated to safety.

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The arrested suspect has not been formally identified by authorities, but a federal law enforcement official familiar with the investigation told USA TODAY that the suspect is Cole Thomas Allen, 31, of Torrance, California.

The official spoke on condition of anonymity to discuss the ongoing investigation being conducted by the FBI, Secret Service and other agencies.

Timeline: History of filming

(All times are Eastern and approximate)

2pm: The hotel is closed to the public in preparation for the White House Correspondents’ Association Dinner.

8pm: The event will begin. There are over 3,000 people in the ballroom.

8:16pm: President Trump and the first lady will enter the banquet hall and be seated with other officials.

8:36pm: An armed suspect charges a Secret Service checkpoint in the lobby outside a hotel ballroom. Closed-circuit television footage shows him running past a security guard with his weapon drawn. A bullet is fired. Secret Service agents tackle and arrest the suspect.

Mr. Trump, the first lady and other officials quickly move from the banquet hall to a safe location. Dinner guests crawl under the table.

Interim Police Chief Jeffrey Carroll later said the suspects were in possession of a shotgun, a handgun and multiple knives.

8:55pm: Hotel staff instruct people in the banquet hall to leave.

Just before 9 p.m., CBS News’ Weijia Jiang, president of the White House Correspondents’ Association, addressed the rest of the crowd. “Our programs will be temporarily restarted.”

9:17pm: President Trump said on Truth Social: “The D.C. Secret Service and law enforcement did a great job. They acted quickly and bravely. The shooter was arrested and I said, ‘Let the show go on,’ but the law is completely in place. We will be guided by law enforcement, who will make a decision soon. Regardless of their decision, the night will be much different than planned. And, frankly, we will have to do it all over again.”

9:24pm: Secret Service spokesman Anthony Guglielmi said in a post on X that the shooting occurred near the dinner party’s main magnetometer inspection area. Magnetometers are used as metal detectors.

9:36pm: “Law enforcement has been asked to leave the premises in accordance with protocol and will respond immediately. We will be holding a press conference within 30 minutes from the White House Press Briefing Room. The First Lady, Vice President and all members of the Cabinet are in good health. We will speak within 30 minutes. We have spoken with all event personnel and will reschedule within 30 minutes,” Trump wrote on Truth Social. day to day. ”

9:45pm: Trump leaves the hotel.

10pm: President Trump arrives at the White House.

10:29pm: President Trump posted CCTV footage and a photo of the suspect on the hotel floor on Truth Social.

10:30pm: Trump posted a second photo of the suspect sitting on the floor on Truth Social.

10:31pm: President Trump appeared in the White House briefing room to talk about the incident and said how shocking it was.

How will the shooting suspect be charged?

The suspect is scheduled to be arraigned in U.S. District Court on April 27 on charges of assault on a federal officer with a dangerous weapon and use of a firearm during assault, according to U.S. Attorney Jeanine Pirro for the District of Columbia.

How did the suspect get into the hotel?

Carroll said investigators believe the suspect was a guest at the hotel. This allowed him to enter the hotel during dinner. It is not yet clear when the suspect checked in.

Upon entering the hotel, dinner guests had their tickets checked at multiple points to access the ballroom.

  • Paper invitations were given to event staff.
  • Guests walked through a magnetometer, a metal detection device operated by the Secret Service and Transportation Security Administration.
  • Event staff inspected the bags brought by attendees.

Once Trump was seated at the head table, no other people were allowed in the area. Security video released by President Trump appears to show the suspect running past officers removing metal detectors.

According to U.S. News, the Secret Service created President Trump’s personal safety zone around the perimeter of the head table and the table itself. Armed Secret Service personnel were stationed nearby.

Contributions Rebecca Morin, Spencer Elliott, Michael Collins, Josh Meyer, Sarah D. Wyer, Nick Penzenstadler, Carissa Wadick, Bert Jansen, Zach Anderson, Francesca Chambers, Swapna Venugopal Ramaswamy, Maureen Grope, Aisha Bagchi, Ralphie Aversa, Sean J. Sullivan USA TODAY

SOURCE USA TODAY NETWORK REPORTS AND INVESTIGATIONS. Reuters

The FBI is investigating the White House dinner suspect across the country. who is he?

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Cole Thomas Allen, the suspect in the White House Correspondents’ Dinner shooting, is accused of traveling across the border by train and telling his family he was a “friendly federal assassin.”

WASHINGTON — He is a Caltech graduate and former Teacher of the Month. He created video games and developed a prototype emergency brake for a wheelchair.

Cole Thomas Allen, 31, is now the suspect in the April 25 shooting at the annual White House Correspondents’ Dinner, and is accused of traveling across the border by train and telling his family he was a “friendly federal assassin” targeting administration officials, according to authorities, including senior law enforcement officials.

“As for why I did this, I am a citizen of the United States. What my agents are doing reflects on me, and I will no longer allow pedophiles, rapists, and traitors to paint their crimes on my hands,” Allen wrote in a letter to his family, published by the New York Post and confirmed by USA TODAY.

Police said Allen took a train from Los Angeles, checked into a hotel in Washington, where the Black Tigers were being held, and opened fire outside a dinner attended by President Donald Trump and other federal officials.

The attack disrupted one of Washington’s major social events, which annually brings together the nation’s most powerful figures and the journalists who cover them. Security guards quickly whisked Mr. Trump, First Lady Melania Trump and Vice President J.D. Vance to safety as other guests in tuxedos and evening gowns ducked under tables for cover at the podium in the huge ballroom.

The day after the shooting, a team of about 12 people camped across the street from a beige two-story Torrance, Calif., home linked to Allen. Neighbors did not answer the door, but curious pedestrians slowed to get the camera’s view.

Vinh Tan, a professor of computer science at California State University, Dominguez Hills, told USA TODAY in an email that he took several classes with Allen while he was earning his master’s degree. He described him as a polite, soft-spoken, and attentive student who frequently emailed him with academic questions.

“I am very shocked to see this news,” Ms Tan wrote.

Police are currently looking into details about Allen and his motives. The FBI Los Angeles field office served a court-approved search warrant at Torrance’s home just hours after the shooting, FBI Los Angeles spokeswoman Laura Eimiller said. She did not comment on what was found in the home or how it was related to the suspect.

Acting U.S. Attorney General Todd Blanche said the suspects appeared to be targeting Trump and members of his administration. Blanche said on “Fox News Sunday” and NBC News that investigators are looking into the suspect’s emails and other posts. He did not elaborate on what had been revealed so far.

Federal authorities lead investigation

The FBI is leading the criminal investigation and the Secret Service is focusing on the suspect’s behavioral profile, a senior law enforcement official briefed on the investigation on both coasts told USA TODAY. That includes what prompted the suspect, what brought him to Washington, and whether there are any copycats who might try to follow suit, as is often the case after presidential assassination attempts, officials said.

The Secret Service and other agencies that prepared the subpoena are focused on determining how the suspect booked a room at the Washington Hilton, less than three miles north of the White House, for the night of the annual dinner.

Allen sent a note to his family via text or email before the celebration, saying he intended to try to kill Trump administration officials, a senior law enforcement official told USA TODAY. The official, speaking on condition of anonymity to discuss the ongoing investigation, said authorities have already interviewed Allen’s brother and at least one other family member.

In a letter published by the New York Post that Allen planned to send minutes before the shooting, officials said, he outlined “goals” that included “administrative officials … being able to prioritize from highest to lowest.”

So far, one law enforcement official said, it’s not a single thing that’s unsettling the suspected shooter, but rather a confluence of circumstances, including the Iran war, domestic politics and the Trump administration’s stance on LGBTQ issues. The official told USA TODAY that the FBI discovered other writings by Allen that the agency is currently reviewing, including some in which he expressed sympathetic views on transgender issues.

Based on findings so far, authorities are broadening the pool of people interviewed to include more family members and Allen’s co-workers to build a comprehensive profile of the suspect, officials said.

The official said Allen did not specifically mention Trump by name in his book.

President Trump told Fox News that the suspect’s posts, reviewed by law enforcement, show him to be a “troublesome individual” motivated by religious hatred. Trump said his family had expressed concerns about him to law enforcement before the correspondents’ dinner shooting.

“If you read the manifesto, this man is a sick man,” Trump said. “He hates Christians, that’s for sure. He hates Christians, that’s hate.”

Allen’s social media footprint provides some insight into his background. When he donated $25 to then-Vice President Kamala Harris in 2024, he listed his employment as a teacher. He is registered to vote in California with “no party preference.”

Allen posted on LinkedIn that he earned a bachelor of science degree in mechanical engineering from California Institute of Technology in 2017 and a master’s degree in computer science from California State University, Dominguez Hills in 2025.

Caltech spokeswoman Kathy Svitil confirmed the records of an undergraduate named Cole Allen, who graduated in 2017, but declined to release further information.

California State University Dominguez Hills spokeswoman Lily McKibbin said the student, Cole Allen, will graduate with a master’s degree in 2025, but declined to confirm that he was the identified suspect in the shooting.

His LinkedIn profile shows he is an adjunct instructor at C2 Education, a national tutoring and college counseling provider in Torrance. In December 2024, C2 named him “Teacher of the Month” and posted a photo on the group’s social media.

Before taking that job, Allen listed his occupation as a self-employed video game developer. A PC game he developed was associated with his name and posted on Steam for download.

Before that, Allen said he worked as an engineer for Pasadena, Calif.-based IJK Controls for a year. Prior to that, he was a teaching assistant at the California Institute of Technology, according to his LinkedIn.

In 2017, Allen spoke to KABC-TV about a prototype he developed for emergency braking on wheelchairs.

“Wheelchair brakes tend to lock the wheels, but they don’t fix the chair to the ground. But with this device, you can prevent the chair from skidding at all,” he told the TV station.

Shooting raises security questions

The Washington shootings have also raised questions about whether more safety precautions should have been taken at dinner parties.

President Trump said at a White House press conference shortly after the shooting that the hotel was not a “particularly safe building” and that the lack of security underscored the need for plans to build a banquet hall on the White House grounds.

New York Republican Rep. Mike Lawler, who attended the dinner, told CNN that the hotel’s security measures were “woefully inadequate.”

Hotel management confirmed to USA TODAY that Allen had booked the room and was staying there the night of the event. The Secret Service, working with local police, conducted an on-site investigation of the vast complex and established a security perimeter to prevent suspicious persons from accessing the president and other VIP attendees.

By booking a hotel room, Allen had access to nearby high-profile events without a ticket. However, he still could not enter the ballroom area where the event was taking place. Only ticket holders could pass through the magnetometer to reach that point.

Authorities are not allowed to conduct background checks on everyone who was staying at the hotel on the night of the dinner unless they have reason to believe they are committing a crime or about to commit a crime, said a senior law enforcement official briefed on the investigation. The official cited privacy concerns and other legal restrictions.

On Saturday night, April 25, a security officer confronted the suspect in the lobby before he entered the Washington Hilton ballroom. The suspect was killed minutes before the annual White House Correspondents’ Association dinner began, but no one in the ballroom was injured. Police said the Secret Service agent was shot outside the banquet hall but survived because of the bulletproof vest he was wearing.

Criticism of the Secret Service’s efforts to secure the building was unwarranted, law enforcement officials said, given that the suspect was arrested shortly after sprinting through the magnetometer and that he never approached Trump or other VIPs at the banquet hall.

President Trump praised the Secret Service’s quick actions to stop the gunman from entering the banquet hall.

“They stopped him cold,” he said in an interview on Fox News.

Allen himself commented on hotel security in a letter published in the New York Post and seen by USA TODAY.

“I walked in with multiple weapons, and not one person considered me a potential threat,” he wrote, according to a letter published by the New York Post.

“Security for the event is all outside and focused on protesters and those currently arriving. No one seems to be thinking about what might happen if someone checked in the day before.”

Contributed by: Christopher Cann, Chris Kenning, Nick Penzenstadler, USA TODAY