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Little-known Social Security rules that protect mid-year retirees

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Here’s how the Social Security income test works for new retirees.

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If you receive Social Security benefits while working, some or all of your benefits may be withheld if you earn more than a certain amount. This is known as the Social Security Earnings Test.

But what happens if you quit your job midway through the year? Can I still receive Social Security benefits? What happens if I earn more than the Social Security Earnings Test limit? in front Are you quitting your job? Here’s what anyone retiring mid-year should know.

social security income test

If you’re already at full retirement age when you start collecting Social Security, you don’t need to worry. You can receive your full Social Security benefits regardless of how much you earn while working.

On the other hand, if you have not yet reached full retirement age but are still working, some or all of your benefits may be garnished if your income exceeds a certain threshold.

In 2026, two different “earnings tests” may apply.

  • When you reach full retirement age rear In 2026, you can earn up to $24,480 without affecting your benefits. $1 of benefits will be deducted for every $2 you spend over that limit.
  • When you reach full retirement age meanwhile In 2026, you can earn up to $65,160 ($5,430 per month) without repercussions, with $1 deducted for every $3 over the limit. Only the months before you reach full retirement age are counted.

What happens if I quit my job during the year?

Consider this scenario. If you turn 65 in June 2026, you have one year to reach full retirement age (note: full retirement age is 67 if you were born in 1960 or later). You earn $8,000 a month, or $96,000 a year, at your job. If you retire on June 1 and file for Social Security, your income for the year will be $40,000. This far exceeds the limits of the means test. So, will any benefits be withheld?

Special profit limitation rules

Fortunately, if you retire mid-year, special rules apply, known as special benefit limitation rules.

Simply put, this rule says that you can collect your full Social Security check for each month you are considered retired, regardless of your annual income. Therefore, in the situation described above, those retiring in June need not worry about their benefits being deducted, regardless of their annual gross income.

Additionally, the SSA considers you “retired” if your monthly income is $2,040 or less. In short, this means that if you keep working but drop to “part-time” status, you may still be able to collect your full Social Security benefits even if your income for the full year of 2026 significantly exceeds the limit.

The bottom line is, if you retire mid-year and haven’t yet reached full retirement age, you don’t have to worry about your benefits being garnished through a means test.

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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Virginia Giuffre’s brother requests meeting with King Charles during US visit

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Skye Roberts, brother of the late Virginia Roberts Giuffre, sends a message to King Charles ahead of his state visit in an exclusive interview

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Next week, while King Charles III has a private tea with President Donald Trump at the White House, Skye Roberts will meet with senators a mile away at Parliament House.

The two are inseparable as brothers.

Skye Roberts’ younger sister is Virginia Roberts Giuffre. She accused the king’s youngest brother, former prince Andrew Mountbatten-Windsor, of sexually abusing her when she was 17 years old.s Trafficked by Jeffrey Epstein.

Giuffre died by suicide a year ago at the age of 41.

Mountbatten-Windsor was stripped of his title in 2025 and banished from the royal residence. He settled a civil suit with Roberts Giuffre in 2022, but denied any wrongdoing. He has not been charged with any sex crimes, but was arrested this year on suspicion of misconduct in public office after allegedly passing confidential documents to Epstein. He currently resides at the Sandringham Estate, the King’s private estate in Norfolk, England.

Roberts hopes the king will meet with him and other survivors of sexual abuse during a four-day visit to the United States, scheduled to begin on April 27. Mr Roberts’ sister was one of the most outspoken survivors against the disgraced royal family and Epstein.

“I want the King to look me in the face, to see his sister in me. I have her blood. I just want him to see Virginia in a different light than what you read about on the news,” Roberts told USA TODAY in an exclusive interview. “This is not about the King coming here and partying and celebrating with Trump. This should be about you coming here and standing up, setting an example for other world leaders and coming forward for survivors.”

Roberts understands this is a big challenge.

Roberts will stay at his hotel chain while Prince Charles and Camilla join dignitaries for a state dinner at the White House. He plans to prepare arguments to lobby for the Virginia Act, named after his sister, which would eliminate the statute of limitations that has protected sex traffickers like Epstein.

For years, the British royal family ignored any wrongdoing by the former second-in-line to the throne.

The King and Queen’s state visit will mark the 250th anniversary.th Although it is America’s Independence Day, the purpose is also to smoothen relations between Britain and Trump.

“I’m not asking them to fly me out there and meet me at the palace. The King is 10 minutes away from my family in Virginia and from me. I just want 10 minutes with him so he can do the right thing,” Roberts says. “King Charles has an opportunity to stand with survivors and make a difference for future generations.”

Mr Roberts believes the US and UK governments have failed his late sister. They failed to investigate Mountbatten-Windsor’s role in sex trafficking and abuse of girls. And US authorities still have not released the entire Epstein file or held everyone responsible accountable.

Ghislaine Maxwell was convicted in 2021 on charges of sex trafficking of minors against Epstein. She was sentenced to 20 years in prison and is currently being held in a minimum security prison in Texas. Epstein died by suicide in prison in 2019 while awaiting trial.

“Virginia has started a movement.”

The timing of Charles’ visit feels almost divine, Roberts said.

Two days before the royal couple’s arrival, Roberts will take part in a commemoration ceremony to mark the one-year anniversary of her sister’s death on April 25.

“It felt like Viriginia was dancing in the sky,” he says. “I remember her (saying), ‘Don’t worry, let me move the chess pieces. I know you’ll be there for me.'”

The event will also recognize domestic violence awareness and suicide prevention.

Hundreds of women are now calling themselves “Survivor Sisters” and are demanding the identification of people associated with Epstein who they say abused, raped or participated in human trafficking.

“There was an outpouring of love and support. We wanted this to be a moment for all survivors,” Roberts said. “Virginia started a movement. She did something really special in terms of standing up. She deserves this moment.”

“She’s been protecting me for a long time. It’s my turn.”

A year ago, Roberts was in Perth, Australia, with her sister.

She wasn’t feeling well. She had almost finished writing her memoir, Nobody’s Girl, which was published posthumously in October 2025, but was struggling.

She and her husband were estranged. Roberts Giuffre’s brother told her that her husband had been abusive. After an argument, her husband filed a restraining order preventing her from seeing her three children, ages 19, 16, and 15, until June.

Her brother Danny Wilson came with her in late March. Roberts followed suit in April.

“We didn’t want Sissy to be left alone,” he says.

For the next two weeks, they cooked and played together as they did as children growing up in the cypress trees of a rural West Palm Beach suburb. When they were young, it was Roberts Giuffre who took care of her younger brother. When she was only five years old, she woke up her younger brother who was sleeping in his crib and comforted him. She walked around, her legs dangling, carrying her brother like he was her own baby.

She once saved him from a poisonous moccasin and protected him by covering his ears when his parents were fighting. She also protected him from abuse at the hands of his father, she writes in her book.

This time Roberts played the role of protector.

He wanted to keep her safe. “They seemed so happy,” says his wife, Amanda. “I actually heard laughter that I hadn’t heard in years.”

Roberts and his sister would go shopping at thrift stores and just sit together, sometimes in silence. “She became herself again,” he says of her final days.

The next day, April 25, 2025, she disappeared.

Roberts found her.

In the days following the loss of a loved one, the weight of grief can be paralyzing. In the case of suicide, the weight is often compounded by feelings of guilt.

Roberts felt that way.

“People don’t understand what happens when you lose someone like that,” he says. “You feel it too, that I couldn’t take that weight off her while she was still here. She protected me for so long, it’s my turn. I want to do this for her.”

Giuffre Roberts’ husband and children held a private service in Australia.

Roberts returned home to Colorado, where he and Amanda visited his sister’s beloved wolf sanctuary. He recorded her death in an intimate and private manner. Robert Giuffre had told his brother that he wanted his ashes to be scattered there.

He says his sister’s courage helped him stand up and tell her story when all he wanted to do was cry. He is lobbying on her behalf and working with other Epstein survivors.

Roberts knew her sister was writing a memoir, but she didn’t get a copy until about a week before publication.

It contained what he knew, including how she first met Mountbatten-Windsor in March 2001. he was a prince she was 17 years old. Epstein and his colleague Ghislaine Maxwell introduced them.

Ms. Maxwell told the teenager that her job was to look after the former prince.

He wiped his tears with the inside of his shirt.

he gasped. “She used to say to me growing up, ‘I’m so proud of you, little brother, you’re an inspiration to me,'” he says. “But she was my inspiration. She’s the reason I’m the father and husband I am.”

“I’m so glad I was able to finally ask my brother for help,” Amanda says.

That October night, he and his wife lay in bed, each holding a book. Amanda was several pages ahead. The two were as close as sisters, and Roberts Giuffre held Amanda’s hand during the 26-hour birth of their first child.

“Skydy,” Amanda says, is the name Robert Giuffre called her brother.

Roberts laughs. “My name wasn’t Skye. It was Skydy or my brother.”

When Amanda reached this part of the book, she stopped.

“As I was reading the book, I heard her say his name, and I thought this was going to be a really difficult chapter for him,” she says. She told him to brace himself for it. “But it was a gift she unconsciously gave him.”

“Justice for survivors”

Roberts says the king’s visit is an opportunity.

“The royal family has several options,” he says. “They can leave a stain on future families. Or they can come forward.”

He says his sister and the former prince aren’t the only ones who know what happened. Others know too.

Mr Roberts praised the Crown’s statement supporting a “proper investigation”. But for now, it’s not about sexual abuse allegations. “We want him to be a leader who stands up and says he supports free and fair investigations and wants justice for survivors,” Roberts said.

His sister’s story is often told as one of the courage to come forward and tell your story again, even when no one believes you.

He says her story is that of many other survivors, many of whom are now like sisters to him and his wife. Then he stopped and said to his wife, “Remind me to email Maria Farmer.” Roberts is also a woman who has accused Epstein of abuse, and Roberts has supported her.

These women were like Roberts Giuffre’s sisters.

He can’t be with her anymore. So they will stand together.

Laura Trujillo is a national columnist focused on health and wellness. She is the author of “Stepping Back from the Ledge: A Daughter’s Search for Truth and Renewal” and can be reached at ltrujillo@usatoday.com.

Forbes’ new list of billionaires also includes philanthropy. Here are the top 5

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Billionaires are not very popular with the American public, according to a recent survey. And one of the reasons may be that they don’t want to reciprocate.

According to a study by Forbes magazine, the five richest billionaires have donated less than 1% of their net worth to charity. This is a data point that Randall Lane, the magazine’s chief content officer, shared in a recent TED talk.

To reward and encourage billionaires, Forbes has released a new ranking of the richest people on the planet, categorized not only by their net worth, but also by the value of everything they have donated.

The True Net Worth ranking, released on April 20, recalculates the wealth of the richest billionaires and estimates how rich they would be if they gave nothing to charity.

After all, the top of the billionaire list would be much different without philanthropy.

Here are Forbes’ new top five when considering philanthropy

Although Elon Musk has given away only a small portion of his wealth, with an estimated net worth of $858 billion, he would still rank among the richest people in the world.

However, Microsoft founder Bill Gates jumps to second place on the true net worth list when his charitable donations are taken into account. Forbes estimates that the wealth Gates donated during his lifetime would be worth $356 billion if he kept it and invested it, giving him a theoretical net worth of $464 billion.

Gates, by contrast, ranks 19th.th In the original World Richest Man List, his current net worth is $108 billion.

Taking into account his philanthropy, investor Warren Buffett ranks as the third richest billionaire by net worth, with a theoretical net worth of $363 billion. Buffett was ranked 9th on the original list of billionaires.

Google co-founders Larry Page and Sergey Brin, the second and third richest people in the world, have fallen to fourth and fifth place on the true net worth list. They donate to charity, but not on the scale of Mr. Gates or Mr. Buffett.

The fourth and fifth richest billionaires, Jeff Bezos and Mark Zuckerberg, are no longer in the top five of the sorted list.

The True Net Worth ranking was born out of a “love and desire to support entrepreneurial capitalism,” Lane said in an interview. “Part of it is the idea that with great success comes great responsibility.”

Gates and Buffett co-founded the Giving Pledge

Gates and Buffett, two of the most prominent donors on Forbes’ new list, are co-founders of the Giving Pledge, a 2010 initiative to encourage the ultra-wealthy to divert more than half of their wealth to philanthropy.

Since 2010, the original group of 57 pledgers has grown to more than 250 donors from 30 countries.

Elon Musk signed the donation pledge, along with Meta founder Mark Zuckerberg and his wife Priscilla Chan. But they don’t give as generously as Gates or Buffett.

A 2025 report from the Progressive Policy Institute found that many Giving Pledge participants are not fulfilling their commitments. Of the 57 original pledgers, 32 are still billionaires, making them 283% wealthier in total since signing, the report said.

Vera Devern, director of IPS’s philanthropy reform initiative, gave conditional praise to Forbes’ new rankings.

“I admire them for being so creative and leveraging their power,” she said, noting the appeal of the Forbes Billionaires list even for billionaires themselves, saying, “They have things that billionaires want but can’t buy.”

Forbes magazine ranks billionaires as “super philanthropists”

A new ranking from Forbes magazine features a group of “uber-philanthropist” billionaires who would be much richer if they invested all the wealth they gave away.

Jeff Bezos’ ex-wife Mackenzie Scott has given up most of the 4% Amazon stock she received in their divorce. Forbes estimates that she would be worth $83 billion if she kept it all, which would have made her 26 years old.th the richest billionaire.

“No one has given away money faster than Scott,” Forbes reported, noting that she has given more than $26 billion to more than 2,500 organizations.

Lane said her example illustrates the power of “making change happen in real time” rather than leaving money in a private foundation where it can sit unused for years.

“At the end of the day, it’s about how much money you put to work and how quickly,” Lane said.

In his TED talk, Lane argued that Americans might like billionaires more if they spent more time and money on philanthropy.

The effort appears to have paid off for Buffett and Gates. They were rated higher than anyone else among the 10 richest Americans in a February 2025 Reuters poll.

Young voters squeezed by the economy and distrustful of political institutions: poll shows

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The nation’s youngest voters are heading into the 2026 midterm elections with deep economic insecurity and grappling with a growing belief that they can’t make a difference, according to a new national poll.

The Harvard Youth Poll, conducted by the Harvard Kennedy School Institute of Politics among 18- to 29-year-olds, concluded that economic pressures are a critical concern for young Americans. It’s a sentiment reflected in months of national polling of voters of all ages, who similarly cite cost-of-living concerns, economic mobility and inflation as north star issues.

Roughly half of young Americans say they are being “significantly” affected by inflation, and 45% say they are struggling to make ends meet. And over the past five years, fewer young Americans consider themselves better off financially than their parents. In 2021, 38% said they expected to be wealthier than their parents. In a recent spring poll, 29% said so.

The Harvard University poll reveals several trends, especially among younger voters. The main trend is a sharp decline in confidence in leadership and the existing political system. These attitudes could have a significant impact on the upcoming 2026 midterm elections, where voter enthusiasm and turnout, especially among the nation’s youngest voters, could turn the tide.

The poll surveyed 2,018 young Americans between the ages of 18 and 29 nationwide from March 26 to April 3. The margin of error is ±2.74 percentage points.

Growing distrust of government, plummeting hope

The majority of people between the ages of 18 and 29 have a negative view of the current state of the country and the current government.

Less than a third of young Americans (26%) say they feel hopeful about the country’s future. This marked a 29-point drop since the 2021 Harvard Youth Poll question. At the time, 55% said they were hopeful for the country’s future. The collapse of hope transcends party lines.

Only 13% of young people say the United States is heading in the right direction, while 59% say it’s on the wrong path. About a quarter, 26%, remain unsure. That answer has remained unchanged since the fall 2025 youth poll.

Attitudes among young voters are bleaker than a recent NBC News Decision Desk poll released April 19. The poll found that about a third of voters, regardless of age, think the country is “on the right track.” Just over two-thirds of respondents in the NBC poll, or 67%, said the U.S. is on the wrong path.

As for President Donald Trump, his approval rating among young voters remains low at 25%. This is significantly lower than the president’s average rating calculated by the New York Times (38% approval rating, 58% disapproval rating as of April 22). That rating has plummeted in recent days, dropping to 36%, its lowest level since President Trump returned to the White House, according to an April 21 Reuters/Ipsos poll.

Polls among young people show dissatisfaction and distrust extend beyond the Oval Office.

Only 15% of young Americans say they trust the federal government to do the right thing all or most of the time. This is the lowest level recorded by the Harvard Youth Poll in 26 years. More than two-thirds (68%) say elected officials are motivated by self-interest, with the proportion strongly agreeing with that statement increasing from 26% in 2017 to 39% in the spring survey.

Only 33% of young voters said they believed the 2026 election would be held fairly. A further 43% are not sure and 21% are unsure, highlighting deep uncertainty as the country races towards the 2026 midterm elections in November.

Young voters support Democrats, but turnout remains a key issue

Like a separate youth survey from Yale University last week, the Harvard University study also found that young voters support the Democratic Party.

In the popular vote, the party leads among young registered voters, 45% to 26%.

Young voters who identify as Democrats say they are more likely than Republicans to vote in the November election, with 55% of Democrats saying they plan to vote compared to 35% of Republicans. Among independents, 25% said they would vote.

But polls show that enthusiasm among young voters has waned. Only 12% said they felt motivated and prepared to participate in elections. Higher shares represent more limited attitudes, with 26% of young Democrats and 30% of young independents expressing that they feel completely cynical about the political system. Among young Republicans, 25% said they were paying attention but not actively involved.

Kathryn Palmer is USA TODAY’s political reporter. She can be reached at the following address: kapalmer@usatoday.com And to X@Kathryn Purml. Sign up for her daily politics newsletter here.

Ciara Miller and Maura Higgins revealed as DWTS season 35 contestants

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LOS ANGELES — Season 35 of “Dancing with the Stars” is heating up with the announcement of the first cast members.

Two “Traitors” alums were revealed as contestants for the upcoming fall season at Hulu’s Get Real House event in Los Angeles on Wednesday, April 22nd.

Maura Higgins, a famously betrayed finalist on the recently aired Season 4 of Traitors who made a name for herself in the UK as a fierce Love Island contestant, and Summerhouse star Ciara Miller, who has been in the news for her apparent betrayal in her personal life, will be competing on the next season.

The professional dancers who will be paired with the entire cast will be announced at a later date. The season will premiere this fall on ABC and Disney+, with episodes streaming the next day on Hulu.

‘Traitor’ and ‘Love Island’ star Maura Higgins has ‘two left feet’

According to Higgins, the “DWTS” call was the result of a manifestation.

“I expressed it really hard. It’s on my vision board,” the 35-year-old told USA TODAY. “This is the only show I really want to do. This is the last show I really want to do as a contestant.”

The Irish-born reality star turned down appearances on the Irish version of Dancing with the Stars and the popular British competition show Strictly Come Dancing in hopes of catching the eye of American producers.

“We turned down anything that would jeopardize Dancing with the Stars in America,” Higgins says. “Honestly, I really wanted this.”

As for her partner, we wish her long-time professional partner, Mark Ballas, all the best. But in the meantime, she says her plan is to rest her “two left feet” until rehearsals begin in August.

“I’m not going to start working seriously now because by the time August rolls around, I’ll be completely destroyed,” she confesses. “I’m going to take a nap because I’m going to need one.”

‘Summer House’ star Ciara Miller finishes ‘unfinished business’

Miller was unable to attend the Los Angeles event due to other commitments, but she sent a video expressing her excitement about joining “DWTS.”

“I wanted to go there. I wish I could, but I had some unfinished business in New York that I needed to finish,” she said. “But I’m so excited to be joining Season 35. This feels like the perfect moment. A new chapter begins. I can’t wait to bring my energy to the dance floor.”

Mike Vrabel seeks counseling, misses Day 3 of 2026 NFL Draft

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New England Patriots coach Mike Vrabel will miss Day 3 of the 2026 NFL Draft as he begins counseling, it was revealed on Wednesday, April 22nd.

Vrabel declined to say what kind of assistance he was pursuing. His statement came a day after he said he had “difficult conversations” with his family and members of the Patriots after photos of him and The Athletic’s former NFL insider Deanna Russini first surfaced.

“As I said the other day, I promised my family, this organization, this team that I would give the best version of myself that I could. To that end, I have committed to starting counseling this weekend,” Vrabel said, according to ESPN. “This is something I’ve thought about a lot and if I were counseling a player, that’s what I would advise them to do.

“I always want to lead by example and believe this is what I have to do to be the best husband, father and coach I can be. It’s not easy to admit this, but it’s something I know will make me a better person. I thank you all for the support you’ve given me and I promise to be stronger as a result.”

In his first public remarks to the media, Vrabel did not answer questions about Russini, who was photographed with him on the rooftop of Ambiente in Sedona, Arizona, ahead of the NFL’s annual league meeting in Phoenix. On April 7, the New York Post published a photo of Ms. Vrabel, who is married to another man, and Ms. Russini, wearing swimsuits and cuddling poolside.

Russini resigned from The Athletic on April 14, insisting, “I have covered the NFL with professionalism and dedication throughout my career, and I stand by every article I have ever published.” The Athletic, which is part of the New York Times, had planned to continue reviewing Russini’s work after he left office.

Vrabel, who has a lot of influence over the Patriots’ personnel, will miss Saturday’s final four rounds of the draft, during which New England is scheduled to take eight of the 11 picks. Elliott Wolfe, executive vice president of player personnel, and Ryan Cowden, vice president of player personnel, will continue to develop the team’s draft strategy in Vrabel’s absence.

Lawmakers introduced the “Hot Rotisserie Chicken Act.” The reason is as follows

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A bipartisan group of lawmakers has joined forces on a bill that would expand access to the popular grocery store staple, aptly dubbed the “Hot Rotisserie Chicken Act.”

Introduced by Senator Jim Justice (R-West Virginia). John Fetterman, Democrat, Pennsylvania. Shelley Moore Capito, Republican of West Virginia. Colorado Democrat Michael Bennet said the bill would allow Supplemental Nutrition Assistance Program (SNAP) recipients to use their benefits to buy the popular ready-to-eat chicken. Currently, SNAP is prohibited from purchasing hot, prepared food.

In a joint news release issued by Rep. Capito’s office, the lawmakers noted that under current law, you can’t buy a “warm” rotisserie chicken with SNAP benefits. However, “chilled” rotisserie chicken is possible.

“Congress should make it easier, not harder, for families to put food on the table,” Bennett said in the release.

In the same statement, Capito and Justice both said it is “simple, practical” and “common sense” to allow people to buy grocery essentials because of their ease of access and affordability.

“For seniors, working families, and people who don’t have reliable access to cooking equipment, this is about convenience and dignity,” Capito said.

The bill would amend the Food and Nutrition Act of 2008 and change the definition of food by adding “hot rotisserie chicken.” This does not increase funding or eligibility for SNAP, nor does it allow all hot food purchases to be included. We also do not extend purchasing power to restaurants or other retail locations outside of already approved options.

“The best (and delicious) affordable item in America is Costco’s $4.99 rotisserie chicken. It’s one of my family’s favorites, and I’m proud to join Senator Justice on this bill that allows everyone to try it,” Fetterman said. “SNAP funds will be put to good use to feed our nation’s families in need.”

The companion bill in the House is led by Representative Rick Crawford, Republican of Arkansas.

SNAP rules tighten, budget cuts underway under Trump administration

The Supplemental Nutrition Assistance Program, also known as “food stamps,” is a federal resource designed to help low-income individuals and families obtain nutritious food. We offer monthly benefits through electronic benefits transfer cards. This card works like a debit card that can be used to purchase groceries at authorized retailers such as supermarkets and convenience stores.

According to the U.S. Department of Agriculture, an average of 41.7 million people a month, or about 12.3% of the U.S. population, were using SNAP in 2024.

The Trump administration has set its sights on a similar option to SNAP during his second term, putting the program on an unprecedented pause for the duration of the government shutdown in late 2025.

Recipients in five states filed a lawsuit against the USDA in March over new restrictions on the program, alleging that states are violating the law by granting exemptions that prohibit them from purchasing foods and beverages containing “sugar.”

USA TODAY previously reported that the federal agency has approved such “food restriction” waivers in at least 22 total states, the first time in 60 years of denying states’ requests to limit SNAP foods under presidents of both parties.

The USDA previously said it could not waive Congress’s definition of “food” for purchases with SNAP benefits, allowing recipients to purchase anything other than alcohol, tobacco, hot or prepared foods, and personal care products.

According to a previous USA TODAY report, the Trump administration began granting exemptions in 2025 despite no changes to the law. USDA says these exemptions are granted under pilot project authority to test the health and nutritional effects of excluding some foods. But in 2007, the USDA issued a memo saying the authority the Trump administration was acting in could not be used to restrict food choices.

These restrictions are in addition to sweeping changes to the program passed in President Trump’s “One Big Beautiful Bill,” including stricter work requirements and an estimated $300 billion in funding cuts through 2034, according to the Congressional Budget Office.

Contributor: Sarah D. Wire, USA TODAY

In rapid-fire votes, Senate rejects cost-cutting measures for the public.

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In several efforts, Democrats were able to win over several key Republicans, including Sen. Susan Collins of Maine and Sen. Dan Sullivan of Alaska, who are up for re-election.

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WASHINGTON – In rapid-fire votes, most Senate Republicans opposed a package of policies that Democrats said would cut Americans’ daily living costs, but also moved to approve billions of dollars for immigration enforcement.

In the early morning hours of Thursday, April 23, Democrats unsuccessfully tried to attach a series of amendments to the federal budget blueprint. They said their bill would ultimately lower prices for gas, groceries, health care and school lunches by creating a reserve fund, blocking future price hike bills and reversing food stamp cuts.

Republican lawmakers have accused Republicans of orchestrating a political stunt to extend the Department of Homeland Security’s record-long shutdown.

The so-called “Vote-a-Rama” was one of the most important but futile political leverage Democrats have at their disposal in the months-long bitter battle over immigration enforcement since the killing of two Minnesotans by federal agents in January. The measure never moved forward, but it was a politically tough vote for opposition lawmakers, especially in a critical midterm election year that could shift control of Congress to Democrats in November.

Notably, two Republicans seeking re-election in purple states, Sen. Susan Collins (Maine) and Sen. Dan Sullivan (Alaska), supported efforts to curb out-of-pocket health care costs and food prices.

“Democrats are standing up for the American people,” Senate Minority Leader Chuck Schumer (D-N.Y.) said on the Senate floor.

At the same time, Republicans successfully cleared the key hurdle of fully funding DHS again, while also directing more funding to Immigration and Customs Enforcement and Border Security, a top Republican priority.

Sen. Lindsey Graham (R-S.C.), chairman of the Appropriations Committee, said, “Why are we here? Our Democratic colleagues have denied funding to Border Patrol and ICE at a time of great threat to our country.” “We tried to make some reforms, but you refused.”

It remains unclear exactly when Congress will move toward a complete end to the DHS shutdown, which has lasted more than two months. Homeland Security Secretary Markwayne Mullin told “Fox & Friends” this week that President Donald Trump’s directive to redirect funds to pay Department of Homeland Security employees, including airport security personnel, will deplete funding by early May.

“There’s one more paycheck left, but the emergency fund is gone. The president can’t issue executive orders anymore because there’s no more money,” he said.

Zachary Schermele is a Congressional reporter for USA TODAY. You can email us at zschermele@usatoday.com. Follow him on X at @ZachSchermele and on Bluesky at @zachschermele.bsky.social.

Shohei Ohtani Dodgers’ pitching rules are useful for baseball

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There is no reason to end the unpleasant and offensive debate surrounding the so-called “Ohtani Rule.”

It will take time to understand the issue better, but it came to the fore this week after Chicago Cubs manager Craig Counsell made some conspiratorial and question-provoking comments.

Are Shohei Ohtani and the Dodgers receiving preferential treatment from Major League Baseball and why?

“First of all, Ohtani is a treasure, right?” Dan Duquette, former general manager of the Montreal Expos, Boston Red Sox and Baltimore Orioles, told USA TODAY Sports.

There’s no room for debate there. Here’s what you need to know about the rules:

MLB teams are only allowed to carry 13 pitchers on their 26-man active roster, with one exception. A team can use 14 pitchers if one of them qualifies as a two-way player. Ohtani, 31, is the only player in the major leagues who qualifies as a two-way player under MLB standards (more on that below). That means the Dodgers are currently the only team eligible for the exception.

With 14 pitchers on the roster, the Dodgers have an extra arm their rivals can’t afford.

Another rule introduced after Ohtani came to the United States allows two-way players to remain in the game as designated hitters after they finish pitching, rather than requiring them to play in the field.

Duquette suggests that the “Ohtani Rule” is in baseball’s best interest.

“He’s the most marketable player in the game around the world,” Duquette said. “Therefore, discussions about how he will be employed on-site need to be conducted with caution and take into account the workload.”

Ohtani, a left-handed hitter and right-handed pitcher, has undergone reconstructive elbow surgery on his right arm twice, in 2018 and 2023. As a result, he did not pitch in 2019 and 2024.

MLB two-way player rule

Dodgers manager Dave Roberts responded to Counsel’s insinuations that Ohtani and the Dodgers were being given preferential treatment.

“We want other teams to step up and find players who can both (throw and hit),” Roberts said. “He is an exception because he is an exceptional player.”

It’s even more complicated.

One of the reasons the Dodgers acquired Ohtani is because they are a big-market team with the means to sign the Japanese superstar to a 10-year, $700 million contract in 2023. They’ve also spent a lot of money trying to surround Ohtani with talent that could help them win a second and third straight World Series.

Other teams are trying to develop two-way stars through the draft. But former Chicago White Sox GM Rick Hahn said there are unique challenges.

“The challenge is that if an 18-year-old or 21-year-old player continues his development in the minors, those two skills (pitching and hitting) may develop at different rates,” Hahn told USA TODAY Sports. Teams certainly hope to reap the benefits of their draft picks in the big leagues. ”

The likely outcome is that the player is called up to the major leagues before he has enough time in the minor leagues to develop as a two-way player.

There were no such challenges for Ohtani, who honed his two-way skills while playing professional baseball in Japan before making his major league debut with the Los Angeles Angels in 2018.

It goes without saying that Ohtani is a baseball unicorn.

Explaining Shohei Ohtani’s pitching rules

A player can only qualify as a “two-way player” if he pitches at least 20 innings in the major leagues and starts at least 20 games in the major leagues as a position player or designated hitter in either the 162-game season or the preceding 162-game season.

Former Atlanta Braves manager John Coppolella agrees with Dodgers manager Roberts’ point.

“This rule is not unique to the Dodgers,” Coppolella told USA TODAY Sports. “Every team deserves to wear No. 14.”th Pitcher if the player is classified as a two-way player. If Ohtani were to sign with the Yankees or Braves, they would be treated the same way. ”

So why the fuss?

Former pitcher Dave Stewart, who won a World Series ring with the Dodgers in 1981, said he thinks the Dodgers have more talent because of their huge salaries and success. That includes three World Series wins in the past six years.

“Anything that’s good for the Dodgers, everybody’s going to complain about it or think there’s something wrong with it. But the truth is, if other teams had the ability to do what they’re doing, they would do it, too,” Stewart told USA TODAY Sports.

Stewart also suggested that without the “Ohtani Rule,” the current rule would do more harm than good to the Dodgers’ superstar.

“If you have a two-way player that can do that… you have to create special rules, special situations for that type of player,” Stewart said. “You can’t punish players because they can do two things.”

Number of Powerball winners on April 22 when the jackpot rose to $100 million.

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The Powerball jackpot reached an estimated $100 million for the Wednesday, April 22nd drawing, with a cash value of $45.6 million.

According to Powerball, the jackpot has been won nearly 200 times since the lottery began in 1992. Currently, 48 lotteries in the United States participate in Powerball games, but five states do not offer Powerball games: Alabama, Alaska, Hawaii, Nevada, and Utah.

The most recent Powerball winner was on April 6, when a lucky player in Delaware won a $231 million jackpot. The winner became the third person to win the major prize in 2026.

Here’s what you need to know about Wednesday night’s Powerball drawing.

What are the winning Powerball numbers for April 22nd?

The winning numbers for the Powerball lottery are: 24, 29, 32, 49 and 63. Powerball is 11. The power play multipliers are: 2x.

Do I have to be a US citizen or resident to play Powerball?

The short answer is no. You do not need to be a US citizen or resident to play Powerball. Anyone visiting any of the 45 states, the District of Columbia, Puerto Rico, or the U.S. Virgin Islands may purchase lottery tickets from authorized and licensed retailers, regardless of nationality, as long as they meet the legal age requirements (usually 18 years old) at the time of purchase.

Top 10 Powerball Jackpots

  • $2.04 billion in California on November 7, 2022
  • December 24, 2025, $1.817 billion in Arkansas.
  • $1.787 billion in Missouri and Texas on September 6, 2025
  • $1.765 billion in California on October 11, 2023
  • January 13, 2016, $1.586 billion in California, Florida, and Tennessee
  • April 6, 2024, $1.326 billion in Oregon.
  • $1.08 billion in California on July 19, 2023
  • $842.4 million in Michigan on January 1, 2024
  • March 27, 2019, $768.4 million in Wisconsin
  • August 23, 2017, $758.7 million in Massachusetts

How to play Powerball

Powerball tickets cost $2 per play and are sold in 45 states, the District of Columbia, Puerto Rico, and the U.S. Virgin Islands. This can be done at a variety of locations, including local convenience stores, gas stations, and grocery stores. In some states, you can purchase Powerball tickets online depending on your local jurisdiction.

Once you have your ticket, you have to choose six numbers. Five of them are white balls numbered from 1 to 69. The red Powerball range is 1-26. You can also add a “Power Play” for $1, which increases your winnings on all non-jackpot prizes. “Power Play” multipliers allow you to increase your winnings by 2x, 3x, 4x, 5x, or 10x.

A “Quick Pick” option is also available if you want the computer to select the numbers for you. To win the jackpot, players must match all five white balls with the red Powerball in any order.

Powerball drawings are held on Monday, Wednesday, and Saturday nights. The winnings continue to increase even if no one wins the jackpot.

Fernando Cervantes Jr. is a trending news reporter for USA TODAY. Contact us at fernando.cervantes@gannett.com and follow us at X @fern_cerv_.

Virginia map blocked by judge, calling voting method ‘misleading’

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A Virginia judge has blocked officials from certifying approval of a new congressional map in the Old Dominion, a day after voters narrowly passed it.

Tazewell County Circuit Court Judge Jack Hurley Jr. said in an April 22 ruling in a lawsuit brought by the Republican National Committee that the ballot measure to approve the map was “grossly misleading.” Hawley said lawmakers were not following the constitutional amendment rules required to redraw the map.

Virginia Democratic Attorney General Jay Jones said in a statement posted on social media that he “looks forward” to appealing the ruling and defending the bill.

“Activist judges should not have the voting rights of the people,” Jay said.

The referendum already faces multiple legal challenges. The Virginia Supreme Court allowed the referendum to proceed despite a separate lawsuit, before arguing that the measure, which said the new districts would “restore equity,” was unfair and misleading. The legality of the referendum is expected to be reviewed in the coming weeks.

Kyle Kondik, executive director of the University of Virginia Center for Politics, told USA TODAY on election night that “this map may not go into effect this November,” but voter approval is “certainly a big hurdle to jump.”

Democrats currently control six of the state’s 11 seats, but are poised to have a 10-to-1 advantage under the voter-approved map. The vote was part of a massive gerrymandering arms race launched last year by President Donald Trump to thwart an expected “blue wave” in the 2026 midterm elections.

Contributed by: Reuters

“Canny Pack” announced, Coca-Cola unveils bag for soda cans

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A lucky few will soon have a fashionable place to put their Diet Coke.

Coca-Cola announced in an April 21 news release that it has developed what it calls “The Canny Pack,” a fanny pack designed to hold cans of its signature diet soda.

The fun-sized accessory is tied to the film The Devil Wears Prada 2 and is a partnership with the film’s character, James Holt, according to a release.

“Diet Coke has long occupied the coveted intersection where fashion and culture meet, but ‘The Devil Wears Prada 2’ doesn’t just build on iconic tradition, it ignites a fresh, contemporary dynamism that inspires style ambitions across a discerning generation,” Coca-Cola Trademark Vice President Stacey Jackson said in a release.

Coca-Cola described the bag as being “crafted from supple top-grain leather” and “embellished with playful hardware and charms.” The bag is silver, matching the color of the Diet Coke can, and appears to be just large enough to hold a can of soda.

“Cheers to smart thinking, cheeky humor and refreshing Coca-Cola that continues to stay ahead of the curve,” said Lil Bryer, Executive Vice President of Partnerships, Promotions, Synergies and Events at Walt Disney Studios.

“Canny Pack” is not for sale, but is offered as a “gift”

The Canny Pack will be on display at the Saks Fifth Avenue store in New York City from May 1st to May 15th. On the first day of the exhibition, bags will be “handmade by artisans” in the store.

According to the release, “Canny Pack” will not be sold. “True luxury is never readily available, so its appeal is undeniable,” Coca-Cola said.

The company announced that it will be giving away a limited number of bags through a “gift of surprise and delight” from influencer Kristen Hollingshouse on April 29th. USA TODAY has contacted Coca-Cola for more information about the giveaway.

Poll shows the Supreme Court typically avoids rulings against Trump

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President Trump predicts the Supreme Court will rule against him on birthright citizenship after blocking the tariffs, but most Americans believe the justices are trying to avoid Trump’s wrath.

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Embargoed until Thursday, April 23rd at 12:00 a.m. Central Time/1:00 a.m. Eastern Time

WASHINGTON – The Supreme Court’s February decision striking down most of President Donald Trump’s tariffs did little to change the public’s impression that conservative courts are going out of their way to avoid ruling against Trump, according to the latest polling.

Two-thirds of adults surveyed in a Marquette Law School poll this month said they supported the court’s decision that President Trump did not have the authority to impose sweeping tariffs.

But 57% said they wanted to avoid a court ruling that President Trump might not abide by, a number unchanged from the January survey.

However, the president may feel differently.

President Trump predicts that courts will not be able to end the automatic citizenship of babies born in the United States unless at least one of the child’s parents is a citizen or permanent resident.

“No country can succeed with birthright citizenship tied this tightly around its neck,” President Trump wrote on social media on April 21. “But based on the questioning from Republican-appointed judges that I have seen firsthand in court, we will lose.”

President Trump, who appointed three of the court’s six conservative judges, complained that judges appointed by Republican presidents were being swayed by Democrats.

President Trump attended part of April 1’s oral arguments on birthright citizenship, becoming the first sitting U.S. president to sit in on a court debate.

During arguments, the justices seemed inclined to rule that President Trump cannot change birthright citizenship rules through executive orders.

In a survey conducted by Marquette Law School after the argument, nearly seven in 10 adults said the court should rule President Trump’s executive order unconstitutional.

The court is also deciding whether the president can remove Lisa Cook from the Federal Reserve Board. Two-thirds of adults surveyed want the courts to rule against Trump.

A decision is expected to be made by the end of June or early July.

‘Storage Wars’ star Darrell Sheets found dead at age 67 in his Arizona home

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This article discusses suicide and suicidal ideation. If you or someone you know is in trouble or in crisis, help is available. Call or text 988 or chat at 988lifeline.org.

Darrell Sheets, the longtime star of “Storage Wars,” has died at the age of 67 at his home in western Arizona, local police said.

According to the Lake Havasu Police Department, authorities found Sheets dead from an apparent self-inflicted gunshot wound in her home in the city around 2 a.m. on Wednesday, April 22.

The department said in a news release that his death remains under investigation and his body was taken to the Mohave County Coroner’s Office. Lake Havasu Police are asking anyone with information to call them at (928) 855-1171.

Network A&E, which aired “Storage Wars” for more than 17 seasons, said in a statement to USA TODAY: “We are saddened by the passing of Darrell the Gambler Sheets, a beloved member of the Storage Wars family. Our thoughts are with his family and loved ones during this difficult time.”

Before moving to Lake Havasu City, Sheets was born in California in 1958 and rose to television fame through the popular reality series that followed the purchasers of abandoned, unopened vaults in Southern California as they competed to acquire their valuable contents. He was given the nickname “The Gambler” in the series due to his tendency to make risky purchases during auctions.

Sheets appeared in episode 163 of Storage Wars, which first aired in 2010, but has only appeared sporadically in the latest season since revealing he suffered a heart attack in 2019. After quitting the locker trade, he moved to Arizona and ran an antique store.

According to his bio on the website Storage Wars, he loved the “high prices” of storage auctions for 32 years.

“All I collect these days are dead presidents,” he said in his bio.

He is the father of two, including daughter Tiffany Shane Sheets and son Brandon Sheets, who also followed in their father’s footsteps on the A&E series. Sheets’ bio says he wanted to share with Brandon the “adventure and education” of buying storage.

Heinz gives away free ketchup to No. 57 pick in 2026 NFL Draft forever

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When the 2026 NFL Draft begins this week in Pittsburgh, one second-round pick will realize more than just a dream of earning a spot in the NFL. You’ll also never have to worry about running out of ketchup again.

Pittsburgh-based condiment company Heinz announced in a news release that it will award the 57th overall pick in the NFL draft a lifetime supply of ketchup, launching a new tradition called “Mr. 57.”

The player selected with the 57th pick (currently owned by the Chicago Bears) will receive a custom “Mr. 57” jacket, free ketchup for life and the chance to partner with Heinz on future promotions.

The campaign pays homage to the famous 57 that has appeared on Heinz bottles for over a century.

Former Chicago Bear and Hall of Famer Devin Hester is helping the company bring in its first recipient.

“As a former No. 57 pick, I know firsthand how much this number means,” Hester said in a statement. “Hearing your name called on draft day is a moment you’ll never forget, so we’re honored to welcome the first ‘Mr. 57’ to our club.”

Fans can earn Uber Eats discounts during Pick 57

The 57th pick isn’t the only one celebrating this year’s NFL Draft. Fans across the country can join in the fun from the comfort of their own homes.

Once the No. 57 overall pick is made official, fans will be able to receive $25 off Uber Eats orders from select restaurants through the delivery platform, the company said.

When does the NFL Draft start?

The 2026 NFL Draft will be held in Pittsburgh from April 23-25. The full schedule is below.

  • Thursday, April 23rd: Round 1 8pm ET
  • Friday, April 24th: Rounds 2 and 3 are at 7:00 PM ET.
  • Saturday, April 25th: Rounds 4-7 Noon (Eastern Time)

How to watch the 2026 NFL Draft

  • channel: NFL Network; ESPN; ESPN2; ESPN Sports
  • Streaming: NFL+; ESPN Unlimited & Select;

Reporter Anthony Thompson can be reached at ajthompson@gannett.com or on Twitter @athompsonABJ.

House Democrats call for alcohol testing of FBI Director Kash Patel

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Democrats on the House Judiciary Committee are demanding that FBI Director Kash Patel submit to an alcohol-use test and publicly respond to allegations that his drinking and actions jeopardized national security.

In an April 21 letter, the committee’s Democratic members, led by Rep. Jamie Raskin (D-Md.), called the 10-question Alcohol Use Disorders Identification Test (AUDIT) the U.S. and global “gold standard” for “assessing harmful alcohol consumption patterns” and “routinely used by individuals to identify risky drinking behaviors.”

The investigation comes less than a week after The Atlantic published a report in which more than 20 past and present bureau officials accused the FBI director of regularly drinking to excess and incapacitating him, a charge Patel denies.

Lawmakers asked Patel to complete the review and submit an affidavit certifying the accuracy of her answers by April 28 at 5 p.m. ET.

“The American people have the right to hear the facts directly from you now, not from their lawyers in the weeks and months ahead, and to decide for themselves whether your continued leadership of the FBI does in fact constitute a significant ‘national security vulnerability,'” the Democrats wrote.

Democrats seek bipartisan support

Since Republicans hold a majority on the House Judiciary Committee, Raskin and his colleagues also wrote to the committee’s chairman, Rep. Jim Jordan (R-Ohio), asking for bipartisan support for the investigation.

Democrats warned in a separate letter that if Patel does not respond to the request, the committee should require him to testify under oath in person.

“Given the seriousness of the national security risks associated with these allegations, please make it clear that if the Secretary is unable to provide the requested information by next week’s deadline, the Committee will require the Secretary to appear in person under oath at an in-person hearing that addresses the Commissioner’s well-founded concerns,” the lawmakers wrote.

Violating federal law?

Patel’s relationship with alcohol came to the fore after a video of him celebrating with the U.S. men’s hockey team after winning an Olympic gold medal went viral. Sources who spoke to The Atlantic suggested his drinking was much more than just a celebration.

The magazine article cited unnamed current and former co-workers of Patel who allege that he frequently disappears for long periods of time and is sometimes too drunk or hungover to work.

Democrats on the House Judiciary Committee specifically cited Patel’s “inability to control[her]impulses,” as evidenced by her “delays in making critical decisions to advance terrorist investigations” and premature announcements after the assassination of Charlie Kirk and the Brown University shootings.

Patel’s alleged drinking disorder could violate federal law and the Justice Department’s ethics handbook, committee members argue. The handbook prohibits all department employees from “habitually consuming excessive amounts of intoxicating beverages.”

“(Mr. Patel’s) impulsive habits clearly had a disastrous effect on his performance as FBI director and impaired the FBI’s ability to conduct and pursue high-stakes investigations,” the lawmakers said.

According to Reuters, after the article was published, the FBI director filed a defamation lawsuit against The Atlantic and its reporter Sarah Fitzpatrick. The lawsuit, filed in the U.S. District Court for the District of Columbia, seeks $250 million in damages.

“The Atlantic story is a lie,” Patel told Reuters. “They were told the truth before publication, but chose to publish the falsehood anyway.”

Contributed by: Reuters

Gold coins and gold bars for investment

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Gold coins and gold bars are the two most common ways to invest in physical gold. Both store value and act as a hedge against inflation, but the right choice is not just a matter of preference. It depends on your budget, investment strategy, and how easily you want to sell.

Understanding the trade-offs between coins and bars, including cost, liquidity, storage, and resale, can help you choose the best option for your portfolio.

Gold coins and gold bars: what’s the difference?

Gold coins and gold bars are both types of investment grade bullion, but they differ in their direct impact on investors. Coins are widely recognized and available in small denominations, making them easy to buy, sell, and trade. Bars typically carry a lower premium per ounce, making them a more cost-effective choice for large investments.

What is a gold bullion coin?

According to the Royal Canadian Mint, “coins are the most convenient way to buy and sell precious metals.” Bullion gold coins are produced by government mints and issued in legal tender denominations. Standardized weights and global recognition provide great liquidity in the bullion market.

Famous examples include the American Gold Eagle coin, the Canadian Maple Leaf gold coin, and the South African Krugerrand coin.

What are gold bars?

Gold bars are produced by both private refineries and government mints. Unlike collectible coins, bars are valued primarily by their gold content.

They come in a variety of sizes, from as small as 1 gram to over 1 kilogram. Therefore, it is suitable for both small investors and those looking to accumulate large amounts of gold in an efficient manner.

Compare gold coins and gold bars

Although gold coins and gold bars both contain physical gold, they differ in several practical ways that can affect cost, flexibility, and resale.

Features gold coin gold bars
Publisher government mint Private Refineries and Government Mints
Typical size 1/10 oz up to 1 oz 1 gram to 1 kilogram or more
insurance premium usually higher usually low
liquidity Generally easy to sell Depends on size and demand
Collectability May have collector value It is mainly evaluated based on the content of bullion.
Ideal for these people Flexibility, buying in small quantities, easy resale Insurance premiums become cheaper and purchase amounts increase

Quick takeaway: Gold coins tend to be more flexible and liquid, while gold bars are often more cost-effective for investors focused on accumulating more gold.

Gold bars and coins: premiums and pricing

Gold premium is the amount you pay over the spot price, which is the current market price of gold by weight. This price increase reflects factors such as manufacturing, distribution, and dealer margins.

“Bar premiums are often lower, and you get more metal for that,” says Linda Jensen, a certified financial fiduciary and founder of Hart Financial Group. However, she points out that the coin still has important advantages. “Coins are generally easier to sell and more widely recognized.”

Gold coins typically carry a higher premium because they are more expensive to produce and have detailed designs from government mints. Gold bars are easy to manufacture and the premium tends to decrease as the size of the gold bar increases. For example, a 1-ounce gold coin costs more upfront than a 1-ounce bar, but it’s usually easier to sell in smaller units.

Prices can also vary beyond the gold content. Although a coin’s rarity, condition, and demand can affect its value, the price of a gold bar is usually determined almost entirely by its bullion content.

Additional costs to consider

Besides the premium, investing in physical gold can have several additional costs that affect your overall return.

Physical gold is typically taxed as a collectible in the United States, which can result in higher capital gains rates than other types of investments.

Investors should also consider:

  • Shipping and insurance costs, especially when buying and selling online
  • Storage costs, especially for third-party bullion vaults
  • Dealer spread, or the difference between the price you pay and the price you can sell for.

Taking these costs into account can help you better understand the true costs of owning physical gold and make more informed investment decisions.

Gold bars and coins: liquidity and resale considerations

Gold coins are generally easy to resell. They are minted by a government agency and widely recognized, so buyers can immediately verify authenticity. Coins are also sold in small denominations, allowing investors to liquidate just the amount they need rather than selling their entire holding.

“What I’ve seen is investors have a lot of bars and they have to sell it all because they need cash,” Jensen said. “With coins, you have more control because you can sell in smaller quantities.”

Gold bars can be less flexible in this regard, especially if they are large in size. Some bars may also require assay validation (a process that confirms the purity or composition of the metal) before resale.

However, not all bars face the same hurdles. Cast bars sealed in tamper-proof packaging with assay cards are generally easier to sell because their authenticity and specifications are already documented.

Gold bars and coins: storage and security considerations

Both gold coins and gold bars require safe storage to protect your investment. The three most common options are home safes, bank safe deposit boxes, and third-party bullion depositories.

A home safe is usually the most convenient and accessible option, especially for small amounts of belongings such as a few gold coins. It provides quick access, but requires strong security measures, such as a high-quality safe or home security system.

A bank safe deposit box provides an extra layer of protection by storing your gold off-site. However, access may be limited to the bank’s business hours and the content is typically not guaranteed by the bank.

Third-party bullion vaults offer the highest level of security, including insurance coverage, supervised storage, and professional handling. These facilities are often preferred for large investments.

Gold bars, especially larger ones, concentrate more of their value in one piece and may require more secure, dedicated storage. For large holdings, a professional bullion vault is generally the safest option.

Should beginners buy gold coins and gold bars?

If you are investing on a small budget or are just starting out, gold coins are often a better choice. They are easy to resell, sell for small amounts, and are widely recognized by dealers, making the buying and selling process easier.

Many beginners start with 1 ounce coins or fractional sizes like 1/10 or 1/4 ounce to give them flexibility in their investments. As their holdings increase, some investors move to gold bars to reduce the premium and more cost-effectively accumulate large amounts of gold.

Gold coins or gold bars: which one is right for you?

Please select gold coins if:

  • I want flexibility when selling
  • making a small investment
  • Recognition of value and ease of resale

Choose gold bars if:

  • making a large investment
  • I want to lower the premium per ounce.
  • Plan to hold for a long time

Where investors typically buy gold coins and bars

There are several ways to safely purchase gold coins and bars, each with its own benefits depending on your experience level and preferences.

Precious metal dealer: Companies like Goldco, Thor Metals Group, and American Hartford Gold offer bullion along with services like investment guidance and gold IRA setup. This is useful for investors who need more practical support.

Online bullion retailers: Online platforms offer a self-service approach to purchasing gold coins and bars. These are usually more convenient and may offer competitive pricing, making them better suited for investors who already know what they want.

Local coin shop: Brick-and-mortar coin shops allow you to buy gold directly and own it right away. Prices may be slightly higher than online options, but you’ll benefit from instant delivery and personalized support.

When choosing where to buy, compare prices, premiums, shipping costs, and buyback policies to ensure a fair deal and a clear path to resale.

Risks to consider when investing in physical gold:

Although gold acts as a long-term store of value, it comes with risks that investors should understand before purchasing.

  • Price volatility: The price of gold can fluctuate depending on economic conditions, interest rates and market demand, which may result in short-term losses.
  • Storage and security risks: Physical gold must be stored securely, whether at home or at a third party’s facility. If proper precautions are not taken, theft, loss, and damage may occur.
  • Differences in liquidity of large bars: Larger gold bars can be difficult to sell quickly, especially if you have a limited number of buyers or require confirmation before resale.
  • Premium loss due to resale: The premium paid when purchasing gold is not necessarily fully recovered when sold, which may reduce your overall return.

Understanding these risks can help investors set realistic expectations and make more informed decisions when adding physical gold to their portfolios.

conclusion

Gold coins and gold bars both offer a way to invest in physical gold, but each serves different needs. Coins are highly flexible, easy to resell, and can be traded for small amounts, making them ideal for beginners and investors who want more control when selling.

Gold bars, on the other hand, typically have a lower premium and larger size, making them more cost-effective. These tend to be suitable for investors who are focused on accumulating large amounts of gold over a long period of time.

The key decision will be between flexibility and efficiency. Coins prioritize ease of resale, while bars maximize the amount of gold you get for your money.

FAQ: Gold coins and gold bars

Are gold coins a better investment than gold bars?

Whether gold coins or gold bars are a better investment depends on your needs and priorities. Gold coins are generally easier to resell and store, but come at a higher premium. This makes it a strong choice for smaller investments and investors who value flexibility.

Are gold bars cheaper than coins?

yes. Because gold bars are easier to produce and distribute, the premium per ounce is usually lower than coins.

Which is easier to sell, gold coins or bars?

Gold coins are widely recognized, easy to verify, have a small face value, and are often easier to sell than gold bars.

Should beginners buy gold coins and gold bars?

Gold coins are often beginner-friendly due to their small size and ease of resale, allowing new investors to gradually build positions and maintain flexibility.

Americans say President Trump is not very religious, survey suggests

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Few American adults consider President Donald Trump to be very religious or religious at all.

The findings, outlined in a recent Pew Research Center survey, capture public opinion just before the president criticized Pope Leo XIV, called him “weak” on crime and posted an illustration of himself resembling the image of Christ.

The poll, conducted April 6-12, found that seven in 10 American adults (70%) say Trump is not religious or not at all religious. This is higher than 62% in Pew’s previous survey in October 2024.

About a quarter (24%) say the president is somewhat religious, down from 31%, and 5% say President Trump is very religious, down from 6% previously, according to the survey.

Are you more likely to think President Trump is religious, or less likely?

Democratic-leaning Democrats and independents are much more likely to say President Trump is not very religious or not religious at all (89%) than Republicans or Republican-leaning voters (49%).

Republicans are also more likely to say Trump is somewhat religious (42%) than Democrats (8%). According to Pew, white evangelical Protestants who generally lean Republican are more likely than other religious groups to say that President Trump is somewhat religious (44%).

Few of those surveyed said they considered President Trump to be very religious. Eight percent of Republicans say they do so, and 5% of white evangelicals say they do.

Among religious groups, Hispanic Catholics have changed the most since Pew’s last survey, with 80% saying President Trump is not very religious or not at all religious, up from 60% in the previous survey.

Hispanic Catholics were also the religious group whose opinions changed the most regarding whether President Trump would defend their religious beliefs at all or at all. More than half (55%) say they stand up for their religious beliefs a little or not at all, up from 40% in February 2024.

According to the survey, 47% of American adults say President Trump has defended their personal religious beliefs at all or not at all. More than a fifth (22%) say Trump is very or very supportive of people who share their religious beliefs. A further 14% said they were “somewhat” supportive of him because of their religious beliefs, the survey found.

What does it mean to be religious? There are “different ways of thinking”

When Pew Research Associate Chip Rotolo, who wrote the research brief, posted a video on Instagram about the findings, there were differing opinions on the president and religion, with one commenter saying, “I don’t think he (Trump) is religious at all.”

Another said Trump may be “more religious than anyone,” adding: “Religion has always been used as an excuse for war, domination, and superiority. Trump supporters will still see him as messianic.”

In response, Rotolo commented, “People have different ideas about what it means to be religious. This question remains open to people’s own assessments. … We are simply trying to understand exactly the public’s views and how they have changed over time.”

Mike Snyder is a national trends news reporter for USA TODAY. You can follow him on Threads, Bluesky, and X, and email him at: mike snyder & @mikegsnider.bsky.social & @mikesnider & msnider@usatoday.com.

States aim to pass stricter self-checkout laws to curb shoplifting

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In some states, “15 or fewer items” is no joke.

In an effort to curb shoplifting, lawmakers in California, Connecticut, Massachusetts, New York, Ohio, Rhode Island and Washington are debating tighter regulations for self-checkout systems at grocery and convenience stores.

Specifically, these states are considering enacting legislation that would mandate a balance between employee-staffed and self-checkout registers, a certain number of employees per self-checkout, and/or strict limits on the number and types of items that customers can bring to a self-checkout. the goal? Reduce the number of sticky fingers.

Self-checkout systems have been a hot topic in recent years, with some retailers phasing out all employee checkouts and others, like Walmart, removing many self-checkouts in a back-to-basics move.

A 2026 Capital One Shopping Research study found that while 86% of consumers use self-checkout, there is up to a 65% increase in theft compared to staffed self-checkout. According to research, more than 36 million Americans have reported theft from self-checkout kiosks.

While self-checkout continues to be part of the shopping conversation, here’s a look at the laws being debated across the country.

Which states have passed self-checkout laws?

As of April 22, no state has passed legislation related to self-checkout.

What self-checkout bills are states trying to pass?

Here’s a closer look at the bills state and local governments are trying to pass and have passed regarding self-checkout.

California

In February, California State Senator Laura Smallwood-Cuevas introduced SB 442. If passed, the bill would require retailers that implement self-checkout to have at least one manual checkout station with an employee available at all times to assist customers at the self-checkout station. The bill would also establish a policy that would limit purchases at self-checkout to no more than 15 items. SB 442 was last amended on April 21, but Smallwood-Cuevas is no longer moving it forward, her office told USA TODAY on April 22.

While regulations may not be mandated at the state level, some California municipalities have enacted their own self-checkout ordinances.

The cities of Long Beach and Costa Mesa have both approved ordinances similar to the SB 442 proposal, requiring retailers to install at least one manual checkout station staffed by employees who can assist other customers. Ordinances were passed in Long Beach in August 2025 and in Costa Mesa in February.

connecticut

In Connecticut, three legislators have introduced SB 438, which, if passed, would require grocery stores with self-checkout systems to install one staffed cash register for every two self-checkout machines. The bill would also prohibit grocery stores from operating more than eight self-checkout stations at one time.

The bill was referred to a Senate committee on April 15. USA TODAY contacted the bill’s co-sponsors for more information.

Massachusetts

Similar to the Connecticut bill, Massachusetts Sen. Paul R. Feeney introduced S.237 in early 2025. If passed, the bill would prohibit grocery stores from operating more than eight self-checkout stations at one time. Stores will also be required to have one employee-operated manual checkout station for every two self-checkout stations.

According to the MA Parliament website, the bill was last reported to a Senate committee in December 2025. USA TODAY reached out to Feeney for more information.

new york

New York state has not passed any self-checkout legislation, but the New York City Council is debating the issue.

Earlier this year, New York City Council member Amanda Farias introduced an amendment to a city ordinance that would require pharmacies and food retailers to charge up to 15 items at self-checkout. The regulations would also require stores to have one employee for every three self-checkouts.

This amendment was last discussed in March. USA TODAY reached out to Farias for more information.

ohio

On April 1, Ohio State Senator Thomas F. Patton introduced SB 415. If passed, the bill would require grocery stores with self-checkouts to operate at least one staffed checkout, one employee for every three self-checkout stations, and limit purchases to 15 items at self-checkout.

SB 415 would also ban the sale of alcohol, tobacco, and items equipped with anti-theft devices at self-checkout counters.

The bill was referred to a Senate committee on April 15. USA TODAY has contacted Patton’s office for more information.

rhode island

According to the proposal, Rep. Megan Cotter of Rhode Island filed H7290 in January. If passed, the bill would prohibit grocery stores from operating more than eight self-checkouts at a time and require the same store to operate one manual checkout station for every two self-checkouts. The bill would also require one employee to be assigned to monitor every two self-checkout machines.

washington

In Washington, HB 1739 was first introduced in 2025 and then again this year. If passed, the bill would require retailers to have a policy of allowing no more than 15 items at self-checkout. Retailers must also have one employee-manned checkout for each self-checkout and no more than two self-checkout stations supervised by one employee at a time.

The bill was last introduced in the House in January, according to the Washington State Legislature’s website. USA TODAY contacted the bill’s sponsor for more information.

Greta Cross is USA TODAY’s national trends reporter. Story ideas? Email her at gcross@usatoday.com.

Former USA TODAY White House correspondent David Jackson dies

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WASHINGTON – David Jackson, a longtime reporter who chronicled the White House and politics for USA TODAY and the Dallas Morning News, has died.

Jackson was found dead of an apparent heart attack in his Washington, D.C., apartment on April 22nd. He passed away at the age of 66.

“David helped define political reporting at USA TODAY and beyond for decades,” said Jamie Stockwell, vice president of news at USA TODAY. “His coverage of the White House and national politics was steady, authoritative, and deeply respected throughout the industry. We are saddened by his passing and our thoughts are with his loved ones and all those who had the privilege of working with him.”

Jackson, known as DJ to those close to him, fit the mold of the typical hard-nosed newspaper reporter, with his rumpled appearance and sometimes gruff demeanor.

But friends and colleagues remembered him as a man who had a deep love not only for journalism, but also for sports, history, travel, books and, of course, his family.

And what about that unfriendly personality? It usually melted away once he really got to know and trust the people around him.

“I got to see the funny side of David, I got to see the serious side of David, and of course I got to see this tenacious reporter,” said Katarina Camia, with whom he worked for many years as a reporter and editor. “I’m honored to call him a friend.”

Jackson began his career as a sportswriter for the Times and the Democratic Party in Orangeburg, South Carolina, where he was born and spent most of his formative years. He also worked for newspapers in Augusta, Ga., and Fort Lauderdale, Fla., before moving to the Dallas Morning News, where he covered county and city government before being assigned to the paper’s Washington bureau.

Karl Leibsdorf, the newspaper’s Washington bureau chief, said Jackson was initially assigned to cover courts and the judiciary. At the time, the Morning News also produced a weekly television show, and Jackson developed a knack for bringing in interesting guests, including an up-and-coming lawyer named John Roberts, who appeared in a segment about the Supreme Court.

Years later, when George W. Bush nominated Roberts to the Supreme Court, “the only video of him discussing legal issues was on our television show,” Loebsdorf said.

Jackson eventually moved from the Supreme Court to the White House, serving every president from Bill Clinton to Donald Trump. Jackson joined USA TODAY’s White House team in 2005 and remained with the paper until retiring in January 2025.

Susan Page, USA TODAY’s Washington bureau chief, recalled that the White House team interviewed then-President-elect Barack Obama at his inaugural headquarters just before he took office. Jackson showed up to the interview wearing a black trench coat, which he wears everywhere.

“Before the soon-to-be president, I basically had to order him to take it off,” Page recalled. “That was part of his general personality: a tenacious reporter who loves following and following the news and is fascinated by politics.”

Mr. Jackson serves as president of the White House Correspondents’ Association and presided over the association’s annual dinner in 2011.

After retiring, Jackson continued to pursue another love: travel.

Chris Peacock, a longtime friend who often attended sporting events together, recalled a conversation shortly after Jackson was about to embark on his first overseas trip as a reporter on the White House beat. Jackson didn’t seem too excited about the upcoming adventure.

“Why would I want to go to another country if I haven’t been to every state in the United States yet?” he asked.

But eventually he was resurrected and traveled the world. He especially liked visiting Asia.

Jackson is survived by two brothers, James Jackson Jr. and Dwight Jackson of Columbia, South Carolina; a nephew, James B. Jackson III, also of Columbia, and a niece, Katie Handel of Lexington, South Carolina.