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Behind the movement for humane punishment

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The Pennsylvania Supreme Court issued a landmark decision last week. The court became the first state high court to rule that life sentences without parole for people convicted of “felony murder” are unconstitutional. This is the principle that a person can be charged with murder if a death occurs during the commission of another felony.

The judgment is Commonwealth v. Leeis a long-awaited “next step” for state courts to provide “meaningful checks on extreme criminal penalties” and sentencing policies that are “commensurate with individual responsibility and justified by a legitimate purpose,” Kyle C. Barry, director of the State Law Research Initiative, previously wrote.

Weeks after oral argument in 2024 LeeState Law Research Initiative, Brennan Center, and Rutgers Law Review Nearly two dozen scholars, practitioners, and state Supreme Court justices gathered to discuss a growing legal movement that seeks to use state constitutions to challenge excessive criminal penalties, inhumane prison conditions, and other injustices in the criminal legal system. The day-long discussion highlighted the state constitution’s promise to better protect people in the criminal justice system. This promise is now closer to becoming a reality with the House of Commons’ action. Lee.

Here are six takeaways from the event. Video and transcript available here. of Rutgers Law Review We also recently published a symposium issue featuring scholarships from speakers at the event.

State constitutions often provide more stringent sentencing protections than the federal constitution.

Lee This is just the latest decision to interpret the state constitution’s protections against excessive sentencing as stronger than those provided by the federal constitution. For example, the Michigan Supreme Court ruled last year that mandating life sentences without parole for people under 21 violates the state constitution, which prohibits cruel or unusual punishment. In 2024, the Massachusetts Superior Court went further and declared all life sentences without parole unconstitutional for that age group, whether mandatory or not. The list of state lawsuits that depart from Eighth Amendment jurisprudence goes on. The State Law Institute’s State Anti-Punishment Case Tracker lists dozens of cases across 21 states.

The clause in question is Lee Emily Hughes, a law professor at the University of Iowa School of Law, said that without the additional requirement of abnormality in the Eighth Amendment to the U.S. Constitution, harsh punishments are prohibited. “Even if it’s exactly the same language, state courts can look into it and find more protections for individual rights.” State courts are “best placed in their communities to assess community standards and learn about evolving community standards and why state courts are required to reach a higher level than the U.S. Supreme Court,” Hughes continued.

Nor should advocates limit state lawsuits over excessive sentencing to Eighth Amendment cognates. For example, state courts may consider prison sentences in the context of state constitutional provisions guaranteeing personal liberty, argued Salil Doudani, a senior attorney with the Civil Rights Corporation.

In early America, the distinction between sentencing and prison conditions was less clear.

Today, Barry writes, the U.S. Supreme Court “acts as if a prison sentence is only a few years and nothing more.” But “when a person is sent to prison, the punishment involves more than ‘servicing time’ in the ordinary sense.” Barry argues that courts should also consider “poor medical care, deadly fever, dehumanizing abuse, rampant disease, filthy drinking water, and prolonged solitary confinement that amounts to torture” when evaluating the constitutionality of a punishment.

In his keynote address, David Shapiro, executive director of the MacArthur Justice Center, explained that in the country’s early years, judges exercised power over not only how many years a prisoner would serve, but also how that prisoner would serve his or her sentence. In fact, in Pennsylvania in the late 1790s, long-term solitary confinement could only be imposed by judges as part of a sentence.

“Modern attempts to distinguish between sentences of incarceration and accompanying circumstances are ahistorical, at least in some states,” Shapiro said.

World War II influenced the way incarcerated people were treated.

The atrocities of World War II, particularly the horrors experienced by concentration camps and concentration camp victims, led to new concepts of human rights, explained Judith Reznik, a professor at Yale Law School.

Increased respect for human rights extended to imprisoned people. “The world really changed,” Reznik said of the postwar period. “They’re all sitting there reverberating with post-World War II photographs and are beginning to understand the tremendous harm of detention.”

This new interest in rights influenced the U.S. Constitution. For example, Supreme Court Justice Earl Warren offered a new perspective on the 1957 Eighth Amendment. Too many against Dullesargued that stripping Americans of their citizenship as punishment for wartime desertion was unconstitutional. Warren writes that the Eighth Amendment “must derive its meaning from the evolving standards of decency that mark the progress of a mature society,” solidifying the idea that the amendment’s “scope is not static.” Reznik said it was “no coincidence” that such a clear statement was made after the war.

States play an important role in establishing humane prison conditions.

Meredith Esser, a professor at the University of Nevada’s William S. Boyd School of Law, noted that the inadequacy of the Eighth Amendment in the context of the terms has not been much discussed in the academic literature. Mr. Esser laid out multiple barriers to relief for incarcerated people who are challenging abuse and inhumane conditions under the federal constitution. That includes the Prison Litigation Reform Act. The Prison Litigation Reform Act is a federal law that creates hurdles that incarcerated people must clear in order to sue in federal court. Qualified immunity, a defense that protects correctional officers from liability unless they violate clearly established rights. And the doctrine of “subjective intentional indifference” is a difficult standard that requires plaintiffs to prove that prison officials knew they faced a serious risk of harm.

Additionally, Shapiro said the U.S. Supreme Court “may be poised to order federal courts to withdraw from prison oversight altogether, based on the mistaken view that the Eighth Amendment does not regulate conditions of confinement and does not envision a role for judges in enforcing humane prison conditions.”

This highlights the need to strengthen state constitutional protections against inhumane conditions such as confinement and prison brutality. Panelists noted several “doctrinal opportunities” in this area. Examples include “eroding the line between a sentence and the circumstances in which someone is being held” and requiring incarcerated plaintiffs to prove that the circumstances objectively present an unreasonable risk of harm, rather than meeting a subjective standard.

And the Eighth Amendment and its cousins ​​are not the only provisions that can protect or improve the lives of incarcerated people. For example, some state constitutions have provisions protecting bodily integrity or prohibiting slavery or involuntary servitude. The constitutions of five states – Indiana, Oregon, Tennessee, Utah and Wyoming – include provisions stating that “no person arrested or confined in prison shall be treated with unnecessary harshness,” added Kristen Bell, a law professor at the University of Oregon.

Oregon courts in particular have developed a jurisprudence centered around unnecessary rigor. Attorney Tara Herribel said they interpreted the provision to prohibit “obvious contempt” and that their analysis “puts the prisoner at the center of the analysis.”

Herribel described a series of lawsuits he has filed in Oregon on behalf of transgender people challenging prisons’ refusal to provide gender-affirming care. “All transgender (rights) lawsuits with claims like this have been successful,” she said. “This is an incredibly dynamic area of ​​law.”

Judges need lawyers to fully flesh out the state’s constitutional claims.

State judges are willing to give unique meaning to provisions in the state constitution, but they cannot do so unless advocates challenge the state constitution.

“One of the challenges we face, and I think many state courts face, is that we often see briefs that say, “We have a claim based on the federal constitution and the state constitution,” and if we’re lucky, we’ll cite case after case from several state courts along with the federal court, without any attempt to separate and analyze the two,” said Judge Rowan D. Wilson of the New York Court of Appeals. State Supreme Court. “Then it’s an uphill battle to say, ‘Even if the parties aren’t parsing the differences here, we’re going to parse the differences ourselves.'”

California Supreme Court Justice Goodwin Liu noted that both judges and advocates are exercising an abundance of caution. “Unfortunately, too many lawyers are at the mercy of judges, and judges are happy to engage in lockstep because it’s the prudent thing to do,” he said.

The criminal legal system is full of barriers to justice.

Most of the conference focused on expanding people’s rights in the criminal legal system through state constitutions. However, this system poses a number of challenges for those caught, many of which cannot be specifically addressed using state anti-punitive provisions.

Rebecca Uwakwe of the ACLU of New Jersey noted that about 97 percent of cases are resolved through plea bargains. He explained that people feel pressured to accept pleas because of the “penalty of the trial.” This means that “once someone decides to exercise their Sixth Amendment right to a trial,” they will almost always face a harsher sentence than indicated in their plea. “It is coercive in nature,” Uwakwe said.

In the context of the conditions, state-level versions of the Prison Litigation Reform Act could prevent even honorable claims by inmates from coming to court. Incarcerated people may also be hampered by their inability to hire a lawyer or pay even the minimal costs associated with litigation, such as producing records.

“For many of us, $80 or $100 doesn’t seem like a huge barrier,” says Marcus Gadson, a professor at the University of North Carolina. “But we have to remember that in many cases prisoners are not actually being paid the same as people on the outside.” As a result, “they ended up being turned away from court for not paying their fees,” he explained.

Barriers to justice continue even after a prison sentence is nearing its end. Uwakwe said that in New Jersey, “the parole denial rate for people facing life sentences is 92 percent.” Parole boards are expected to consider applicants’ institutional history and rehabilitation, but “the reality is that they (parole boards) are just making decisions based on intuition and politics,” she said.

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Robert F. Williams, professor emeritus at Rutgers University School of Law, said in his concluding remarks that state constitutions are “what we have as lawyers,” in times like these, when the chances of the issues you’ve been discussing today winning in the U.S. Supreme Court are very, very low.

The state Supreme Court victory, he continued, is not “the big victory we know as the SCOTUS decision.” But “anyone who’s ever won a case in a state supreme court knows it’s not chopping the liver. It’s a lot of fun, and it’s great for the client.”

Kathrina Szymborski Wolfkot state court report Senior Attorney and Manager of the Justice Program at the Brennan Center for Justice.

Nancy Watzman is State Court Report.

Recommended citation: Kathrina Szymborski Wolfkot and Nancy Watzman, Behind the movement for humane punishmentSᴛᴀᴛᴇ Cᴏᴜʀᴛ Rᴇᴘᴏʀᴛ (April 1, 2026), https://statecourtreport.org/our-work/analysis-opinion/behind-movement-toward-humane-punishment

President Trump holds a press conference about the Iran war. How to watch, live streaming.

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After a weekend of no-shows and public appearances, President Donald Trump is scheduled to hold a press conference in the White House Press Briefing Room on Monday, April 6, to address the intense search and rescue efforts by hundreds of special forces following the crash of an F-15E Strike Eagle fighter jet in Iran.

“An amazing show of courage and talent by everyone!” President Trump said of the rescue operation in an April 5 Truth social post, adding that he would hold a press conference with the military in the Oval Office on April 6.

White House press secretary Caroline Levitt said in a subsequent April 5 post on X that the press conference would be moved to the White House Briefing Room “due to public request from the press.”

After the two-seater F-15 jet was shot down by Iranian forces on April 3, the crew was able to escape. The first crew member was rescued shortly after the crash. The second person evaded capture for more than 36 hours before being rescued by special forces from Navy SEAL Team 6.

President Trump said special forces had rescued a second crew member during a dangerous night mission in a mountainous region deep in Iran. President Trump said the crew member, identified as an Air Force colonel, was injured but “will be OK.”

Here’s what you need to know about President Trump’s press conference and how to watch it.

What time is President Trump’s press conference?

President Trump will host a press conference on Monday, April 6th at 1:00 pm ET in the White House Press Briefing Room.

Watch President Trump’s press conference today live

USA TODAY will stream President Trump’s speech on April 6th at 1pm ET.

The meeting will be livestreamed on the White House website and YouTube channel and will be broadcast on all major networks, including ABC, NBC, CBS, CNN, Fox News and NewsNation.

Why does President Trump hold a press conference?

President Trump is expected to address the intense search and rescue efforts by hundreds of special forces after two crew members were recovered from Iran following the crash of an F-15E Strike Eagle fighter jet there.

The United States and Iran also received a cease-fire offer after President Trump threatened to bomb Iran’s infrastructure if it did not reopen the Strait of Hormuz, Iranian officials and media reports said. The framework, delivered through intermediaries, calls for an initial ceasefire, during which negotiations could take place toward a more permanent end to the war, Axios, Reuters and the Associated Press reported, citing regional officials.

Iran’s Ministry of Foreign Affairs has announced that it will soon announce its response to the ceasefire proposal. Iran has previously dismissed US proposals to end the war as “overreach.” The US has not responded to the latest framework.

The announcement followed President Trump’s expletive-laden threat to Iran on Easter Sunday, saying the United States would bomb the country’s power plants and bridges on Tuesday if it did not reopen the Strait of Hormuz. An Iranian military spokesman said attacks on critical infrastructure would be met with heavy retaliation.

Saman Shafiq is a trending news reporter for USA TODAY. Contact her at sshafiq@usatodayco.com and follow X and Instagram @saman_shafiq7.

Hospital sends patient in labor to Zoom court after refusing caesarean section

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Births often don’t go as planned, but a Florida woman faced something completely unexpected during her labor. It was a virtual court hearing.

In September 2024, Cherise Doyley, a professional birth doula and expectant mother of three, arrived at the University of Florida Health Hospital in active labor, People and ProPublica reported.

According to reports, Doyley’s plan was to attempt a vaginal birth, but staff feared the risk of her uterus rupturing and suggested she give birth by caesarean section. USA TODAY has reached out to the hospital for comment.

Uterine rupture is a rare but “serious complication in which the uterus is torn or torn,” the Cleveland Clinic explains, adding that it is most common in people who have previously had a C-section and then attempted a vaginal birth.

“Uterine rupture occurs in approximately 1 in 300 births in people who have had one C-section. Uterine rupture is more common in people who have had two or more C-sections, with up to nine in 300 births occurring,” the clinic notes.

ProPublica said Doyley, who had previously had a complicated C-section, knew the risk of rupture was less than 2% and told doctors she would not agree to a C-section without first attempting a vaginal birth.

The nurses then opened their tablets and arrived for a virtual court hearing with the judge and other officials.

In a transcript of the hearing obtained by ProPublica, Doyley called it “the craziest thing I’ve ever seen.”

She also asked if there was an African-American doctor who could take her place, to which the judge replied, “I don’t think race really matters.”

“That has a lot to do with that, because historically Black people receive better care when they have health care providers who look like them,” she responded. “So even if you don’t think so, statistically speaking, you’re more likely to receive better care from a BIPOC person.”

Maternal mortality rates for black women are 3.5 times higher than for white women, and experts say unconscious bias among health care providers is a contributing factor.

Research shows that the vestiges of a long history of racial bias in medicine persist into modern times. For example, a 2016 study found that nearly half of first- and second-year medical students believed that black patients are more pain tolerant, have thicker skin, and are less sensitive to pain than white patients.

Hours later, a judge ruled against ordering an immediate caesarean section, but that the hospital could perform the procedure without her consent in an emergency.

ProPublica reported that doctors said the baby’s heart rate had slowed overnight and rushed her into surgery, delivering her daughter by C-section before being transferred to the neonatal intensive care unit.

“When we use the courts to basically bully someone into having unnecessary medical procedures against their will, it’s akin to torture in my eyes,” Doyley told ProPublica.

When should Americans retire?

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

When should Americans retire?

We can claim Social Security at age 62 and Medicare at age 65. But Social Security’s “full” retirement age is 67, and benefits don’t cap out until age 70. With numbers like these being thrown around, it may be understandable that Americans are confused about when exactly they will retire.

Loopholes in long-term care

Many Americans will face potentially staggering long-term care costs at some point in their retirement years.

Here’s Medra Lee’s story about a little-known loophole that could make long-term care more affordable.

Should Americans travel abroad in 2026?

Let’s close with a question posed by Kathleen Wong. This is a question you may have never thought to ask.

Is it safe for Americans to travel abroad now?

📰 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.

It wasn’t news when Savannah Guthrie returned to ‘Today’

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Savannah Guthrie is back where millions of people have seen her many times before, and nothing will ever be the same.

The “Today” anchor, long a fun and steady face on the long-running morning show, has been absent for more than two months due to the disappearance of his 84-year-old mother, Nancy Guthrie. But now she’s back.

The 54-year-old journalist returned to the NBC morning show on Monday, April 6, wearing a yellow dress and visibly emotional. Surrounded by viewers wearing yellow ribbon stickers commemorating her missing mother and fans holding “Welcome Home, Savannah” signs, Guthrie read the morning’s biggest headlines. “It’s good to be home,” she went on to tell her coach, Craig Melvin, who said, “It’s good to be home.”

“Let’s go. Ready or not, let’s report the news,” Guthrie added with a smile.

A search continues for Guthrie’s mother, but she has not been found. She was reported missing from her Arizona home on Sunday, February 1, and authorities who have been searching for the 84-year-old since then said they believe she was taken from her home against her will. In February, the FBI released an image of a masked suspect at Guthrie’s front door before she disappeared, but the person in the image has not been identified.

A horrifying series of events has put Savannah Guthrie, who has been delivering the news to millions of people every morning from Studio 1A since joining Today in 2011, at the center of one of the year’s biggest news stories. She released tearful videos and interviews begging for her mother’s return, giving fans a raw and emotional look. As the days turned into weeks and months, it became clear that Guthrie would now make a decision about what to do with his life, even if his mother’s fate was not settled.

She expressed that she chose “today” to return to her “home” and “family.” What was it like to watch her try to find normalcy on the morning news?

How was Guthrie’s return? Did she do it normally?

Gasly remained professional and calm during his return, despite clearly still going through emotional turmoil. There were moments when viewers knew it wasn’t exactly “back to normal,” including a high-five with co-anchor Craig Melvin after the first hour, signs of support from fans outside the studio, and all of the cast members wearing some form of yellow to show their support for Guthrie. At 7:30 a.m. ET, the anchors joined Carson Daly and Al Roker in cheering Guthrie on for about 40 viewers gathered at Rockefeller Plaza. “I’m so excited to get everyone’s hugs and see them,” she said with emotion in her voice. “I feel so much love, thank you.”

At 8:30 a.m., Guthrie and her colleagues went outside to greet supporters. Craig Melvin said today was a “special Monday morning” as he “welcomed the return of the North Star”. Guthrie then came out arm-in-arm with Jenna Bush Hager and waved to the crowd. The two were also seen sharing a long hug before heading out.

But aside from those small irregular moments, “today” continued as usual. There was also hard news, like updates on the Iran war and the Artemis II space mission, and pop culture tidbits, like clips from this weekend’s “Saturday Night Live.” Guthrie and Jenna Bush Hager interviewed the doctor and author about the effects of perimenopause on women in their 30s and 40s, providing the audience with valuable insight into this turbulent time. Time passed smoothly without any incident. Guthrie truly felt like “home” and made me feel very welcome.

Guthrie returned to ‘Today’ without answering anything about his mother.

Guthrie returned to “Today” after an emotional interview with longtime co-host Hoda Kotb, which aired in multiple episodes on NBC starting March 26. He explained that he decided to return despite the lack of progress in the search for Nancy.

“It’s hard to imagine doing that, because it’s such a place of joy and brightness,” Guthrie said. “I can’t come back and try to be something I’m not. But I can’t not go back, because that’s my family. I think that’s part of my purpose now. I want to smile, so it’s real. My joy becomes my protest. My joy becomes my answer. And it’s fun to be there.”

Judging by her demeanor on the April 6 broadcast, it was clear Guthrie was feeling the joy. She laughed and laughed and expressed her heartfelt emotions. Nothing felt fake or forced, and the show didn’t focus on Guthrie’s trauma any more than necessary. The anchor is a veteran newswoman and journalist, and her return show was a definitive way for her to step back from the center of the headlines.

For Guthrie, returning for one show is a big milestone, but the real test is getting up early on weekdays and sticking with it. She is not the first member of Today’s “Family” to return after heartbreak, tragedy, and hardship. From cancer to the death of a spouse to mental health issues, the hosts have had their share of tough battles over the years. But they all came back with grace and determination to do their jobs.

Based on his work so far, Gasly appears ready for a long run on “Today.” And the show will be better because of it.

Contributors: Brendan Morrow, Taijuan Moorman, Patrick Ryan, USA TODAY

Is your refund cash decreasing despite the new deduction? This may be the reason

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The income phaseout could reduce or eliminate new deductions on the 2025 federal tax return, such as the senior citizen deduction, overtime pay, tips and auto loan interest.

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  • New tax credits for overtime, tips, seniors and car loan interest don’t disappear immediately when your income crosses the line.
  • Some deductions, such as those for those over 65, will be completely phased out sooner than some people imagine.

Perhaps you’re wondering why you didn’t get an additional refund from the new tax credit for seniors? Or were you somehow ineligible for other new federal income tax benefits on tips, overtime pay, or car loan interest?

Thanks to these new deductions, millions of people are receiving larger tax refunds this year, while others are receiving far less cash than they imagined. One possible reason?

If you earn too much overall, you may only get a partial credit or no credit for these new tax breaks on your 2025 federal income tax return. These tax breaks also apply for the 2026, 2027, and 2028 tax years, so it’s important to understand how the Earned Income Graduation Works with these credits.

Tax experts say the phaseout threshold is not currently indexed to inflation.

The four major tax breaks that are part of the One Big Beautiful Bill Act (deductions for tip income, overtime pay, new car loan interest, and enhanced deductions for those 65 and older) are all packed with complex rules and limitations, including income thresholds. Even though the One Big Beautiful Bill was signed into law by President Donald Trump on July 4, these tax cuts are retroactive to sometime in 2025.

Oddly enough, each of these tax credits has different income limits, which can add to the confusion.

The way deductions are phased out based on income is also not always the same. For example, experts note that car loan interest deductions and senior citizen deductions end much faster than tip income and overtime deductions once a taxpayer exceeds a certain income threshold.

“One of the biggest misconceptions is the idea of ​​an income ‘cliff,'” says April Walker, senior manager of tax and ethics at the American Institute of Certified Public Accountants.

But your deductions don’t automatically fall off a cliff.

“The new tax credits for overtime, tips, seniors and auto loan interest don’t disappear all at once once your income crosses a certain line,” Walker said. “But that is exactly what many taxpayers are thinking, and it is causing unnecessary anxiety.”

Instead, the amount allowed as a deduction will be phased out as your income increases, she said. “Even if you exceed the limit by a small amount, your deductible will be reduced by a small amount, not by a few thousand dollars,” Walker said.

We’re not just talking about wages. Your income may also be higher due to investment income or taxable income deductions from your regular 401(k) plan. Combining income could unexpectedly push taxpayers into the phase-out range.

And, said Mark Luscombe, principal analyst at Wolters Kluwer Tax & Accounting in Riverwoods, Illinois, “you might also be surprised by how quickly the deduction has phased out since it started.”

“In general, these phase-outs tend to be faster than other tax code provisions,” Luscombe said.

Here’s an overview of how the income phase-out works for each of the four deductions required by the new Schedule 1-A.

Mechanism in which overtime deductions will be phased out

The annual deduction limit for overtime pay on your federal income tax return is $12,500 for singles and $25,000 for married couples filing jointly.

The overtime deduction begins to decrease when a taxpayer’s modified adjusted gross income for that tax year exceeds $150,000 for unmarried individuals and $300,000 for married couples filing jointly. If a married couple files separately, they will not receive the deduction.

The OT deduction is phased out at a rate of $100 for every $1,000 above the threshold. This is similar to the phasing out of tip income.

If an unmarried taxpayer’s modified adjusted gross income reaches $275,000, the OT deduction is no longer available at all.

For married couples filing jointly, the deduction is completely eliminated once their modified adjusted gross income reaches $550,000.

Carl Breedlove, principal tax research analyst at H&R Block, gave one example. Assume that John, who is unmarried, has a modified adjusted gross income of $170,000 and earns $10,000 in deductible overtime.

Given his income, he is considering deducting $8,000 in overtime pay from his taxable income.

reason? His modified adjusted gross income is $20,000 above the single person threshold of $150,000.

$20,000 divided by $1,000 equals 20. 20 times $100 reduces John’s eligible overtime income of $10,000 by $2,000.

What is modified adjusted gross income? Basically, it is calculated by adding income to adjusted gross income.

Schedule 1-A re-adds income from Puerto Rico that we excluded from AGI, as well as income related to certain U.S. nationals from Form 2555 related to foreign housing and foreign earned income, and income related to tax relief from Form 4563 to exclude income from bona fide residents of American Samoa.

Enhanced elderly deduction system

A new temporary “senior bonus” will allow many taxpayers age 65 and older to deduct up to $6,000 of income on their federal returns. If both spouses are 65 or older, up to $12,000 can be deducted from their income.

If a married couple file separately, they will not receive the enhanced elderly deduction.

But tax experts say some seniors may be surprised to find out they can’t claim deductions of up to $6,000 or $12,000. How much tax you save depends largely on the amount of deductions you can claim based on your income.

Once the deduction begins to phase out for unmarried seniors with modified adjusted gross income of $75,000 and joint filers of $150,000, high-income seniors will receive a smaller tax cut or no tax cut at all. If a married couple files separately, they will not receive the deduction.

The enhanced senior tax deduction will phase out at 6% per $1,000, or $60 per $1,000. It will be completely phased out at $175,000 for single filers and $250,000 for joint filers.

Income limits for tip deduction

Waitstaff, blackjack dealers, lounge singers and other recipients of eligible tip income may be able to claim a new deduction of up to $25,000 on tip income earned in 2025.

The deduction for tip income will begin to be reduced or phased out for unmarried taxpayers with modified adjusted gross incomes above $150,000 and married couples filing joint returns with modified adjusted gross incomes above $300,000. If a married couple files separately, they cannot claim the tip income deduction.

This deduction will eventually phase out at a rate of $100 for every $1,000 above the threshold.

The tax break on tip income completely phases out once adjusted gross income reaches $400,000 for single filers and $550,000 for married couples filing jointly.

If you’re married, remember that you’re looking at the couple’s modified adjusted gross income, not just the spouse receiving the tip income.

Why interest rates on car loans gradually decrease

Higher-income households are more likely to buy new cars, but many taxpayers may find themselves reaching the income threshold needed to qualify for a deduction for the interest paid on a new car loan.

Starting with their 2025 tax return, eligible new car buyers can take a new deduction of up to $10,000 in auto loan interest during a given tax year. New vehicles must be for personal use.

The new auto loan deduction will phase out by $200 for every $1,000 or portion thereof of modified adjusted gross income that exceeds $100,000 for single filers and $200,000 for joint filers.

Given this formula, many taxpayers end up missing out on up to $10,000 in deductions more than they expected. For unmarried taxpayers, spending $10 above the $100,000 threshold will reduce your auto loan deduction by $200.

“So technically, the upper end of the phaseout range would be $149,001 for single filers and $249,001 for joint filers,” Luscombe said.

Most simply, many tax websites will state that the auto loan interest deduction is no longer available when your modified adjusted gross income reaches $150,000 for single filers and $250,000 for joint filers.

Luscombe noted that the phrase “or a portion thereof” is used only for the auto loan interest deduction, not for the OT deduction, enhanced senior citizen deduction, or tip deduction.

Phase-out means that once your income reaches the phase-out threshold, you no longer qualify for the maximum tax reduction. However, if your income does not exceed the maximum income limits for claiming certain deductions, you may be eligible for some benefits.

What’s unusual: If a married couple files separately, they can’t claim deductions for overtime pay, tips, and the enhanced senior citizen deduction. But tax experts now say the rules are different when it comes to interest on new car loans.

“Taxpayers filing using the married couple’s separate filing status can claim the auto loan interest deduction as long as they meet the other requirements for the deduction,” said H&R Block’s Breedlove.

Breedlove acknowledged that some confusion exists because the auto loan deduction is not exactly the same as the other large deductions on Schedule 1-A.

Other limitations: The auto loan interest deduction only applies to new cars, not used cars or leases. New cars or trucks must undergo final assembly in the United States. That means it’s physically assembled at a factory in the U.S. before being shipped to dealers.

And, admittedly, the steps from when the deduction is reduced to when the deduction is completely eliminated can be very confusing.

“The phase-out is not intuitive,” said Tom Oseven, registered agent and director of tax content and government relations at the National Association of Tax Professionals.

In general, many taxpayers mistakenly believe that simply qualifying for a credit is not the same as receiving the full amount of the credit, such as the $6,000 maximum credit for adults age 65 and older.

H&R Block’s Breedlove noted that most tax software determines the phase-out for taxpayers, but they can also estimate deductions by doing their own calculations.

Oseven, who is based in Illinois, typically works with 500 to 600 clients from a wide range of income levels during tax season. As a result, he said, the impact of the phaseout was much more pronounced when filing returns, especially among retirees and upper-middle-income taxpayers.

“We are definitely seeing older adults phase out sooner than expected,” Oseven said.

In some cases, minimum distributions from 401(k)s and IRAs are increasing seniors’ incomes, Oseven said.

For example, someone who can only deduct $2,000 under the income-based enhanced senior tax deduction may only save $240 in taxes if they’re in the 12% marginal tax bracket.

In contrast, for someone in the 12% marginal tax bracket who can deduct the full $6,000 of the enhanced senior tax deduction, the tax savings would be $720.

Contact personal finance columnist Susan Tompol: stompor@freepress.com. follow himr X @tompor.

Supreme Court clears the way for the Justice Department to vacate Steve Bannon’s conviction

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Former President Trump aide Steve Bannon is already serving a prison sentence for defying a House subpoena. However, he continued to appeal his conviction to clear his record.

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WASHINGTON – The Supreme Court on April 6 cleared the way for the Trump administration to overturn the contempt of Congress conviction of longtime President Trump ally Steve Bannon.

At the request of the Justice Department, the court effectively vacated the lower court’s decision that upheld the conviction and sent the case back to the district court, where the Justice Department asked for the case to be dismissed.

Bannon, currently the host of the popular podcast MAGA, was convicted in 2022 of defying a subpoena from a House committee investigating the January 6, 2021, attack on the Capitol.

Bannon has already completed a four-month prison sentence, with the Supreme Court rejecting his bid to remain free pending appeal in 2024.

But Bannon continued to contest the conviction. And after Donald Trump became president, the Justice Department stopped defending it.

In such cases, it is not uncommon for the Supreme Court to dismiss the case.

The Trump administration told the Supreme Court that “the dismissal of this criminal case is in the interest of justice.”

President Trump has criticized the prosecution of Bannon and other allies as politically motivated. He pardoned about 1,600 people on charges related to the attack.

President Trump has previously pardoned Steve Bannon.

At the end of his first term as president, Trump pardoned Bannon as he awaited trial in New York on fraud charges related to another case, a border wall fundraiser. Bannon was one of four people accused in 2020 of defrauding hundreds of thousands of donors in the crowdfunding “We Build the Wall” GoFundMe campaign to fund one of President Trump’s signature goals.

In 2022, a jury found Bannon guilty of contempt of Congress after he failed to respond to a Congressional subpoena.

Bannon said he was relying on the advice of his lawyers not to respond to a subpoena from a congressional committee investigating the Jan. 6, 2021, attack on the Capitol until other matters are resolved. Mr. Bannon believed Mr. Trump could protect himself from testimony by invoking executive privilege, which allows the president to keep some executive branch discussions secret.

Bannon insisted he had acted in good faith and did not cross the line of “deliberately” failing to respond.

Bannon also questioned the validity of the subpoena.

House lawyers argued that Mr. Bannon thumbed his nose at the committee and ignored subpoenas.

“Firestorm”

Lawmakers had sought to question Bannon, Trump’s political strategist who encouraged him to embrace populism during his 2016 campaign. That was in part because Mr. Bannon told officials from China on October 31, 2020, that even if he lost the election, there would be a “flame riot” and that Mr. Trump would falsely declare victory.

Bannon said on his podcast that former Vice President Mike Pence “spit on him,” meaning he no longer supports President Trump’s efforts to overturn the 2020 election. The committee described the comments as increasing pressure on Mr. Pence.

Bannon called President Trump at least twice on January 5, 2021, and predicted on a right-wing talk radio show that “all hell is going to break loose tomorrow.”

White House Easter Egg Roll Monday: How to watch live

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The White House Easter Egg Roll returns on Monday, April 6th. This year’s celebration will have a patriotic twist, with 30,000 real eggs and a surprise guest.

Families with children under 13 were selected through an online lottery to participate in the 148th White House Easter Egg Roll, gathering on the South Lawn with President Donald Trump, First Lady Melania Trump, White House staff and their families.

“The President and First Lady look forward to continuing this joyful tradition and making it a truly memorable experience for all,” the White House said in a statement.

As families leave the South Lawn, each family will receive a wooden egg from the 2026 White House Official Easter Egg Set, courtesy of the White House Historical Society. Each egg is engraved with the signatures of the President and First Lady.

When is the White House Easter Egg Roll?

The White House Easter Egg Roll will be held on Monday, April 6th at 10am ET

Where do eggs come from?

Agriculture Secretary Brooke Rollins confirmed on her official Instagram page that 30,000 real eggs from Braswell Family Farms in Nashville, North Carolina, will be used in the 2026 egg rolls.

What’s new this year?

For the first time in the event’s history, 150 live chicks will appear on the South Lawn of the White House as part of the American Egg Board’s “Hen-to-Home” exhibit, which tracks the journey of eggs from farm to table, WTOP reports.

The chicks, which hatched on Friday, April 3, stayed in the George Washington Suite at the Willard Intercontinental Hotel prior to Monday’s event.

How to watch the White House Easter Egg Roll live

USA TODAY will livestream the White House Easter Egg Roll starting at 10 a.m. ET. You can watch it here.

USA TODAY’s James Powell contributed to this report.

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

Should Americans still travel abroad this summer?

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Geopolitical tensions, airport disruptions and global travel alerts are causing some Americans to cancel or reconsider international travel.

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  • Some American travelers are concerned about future international travel due to geopolitical tensions and domestic issues.
  • Factors causing concern include the Iran war, the US State Department’s global security alert, and the impact of the recent government shutdown on airport security.
  • Despite the concerns, some travelers are moving ahead with their plans, citing the importance of family and cultural experiences.

Every July, Brigitte Charbel and her 7-year-old daughter go on a month-long trip abroad together. However, the current political climate made her mother hesitant to continue the annual tradition.

As an environmental activist, I had booked a trip to the Lake District, Britain’s largest national park and a UNESCO World Heritage Site. This place holds a special place in their hearts as the destination of Charbel’s daughter’s first annual trip when she was 3 years old. Previously, they have been to New Zealand and Nova Scotia.

“I booked my tickets in November, and even then I was a little nervous,” Charbel told USA TODAY. “I think it’s just the overall political climate and what people think about Americans.”

When the Iran war broke out, travel was disrupted, not just in the Middle East. Travelers were told to shelter in place or be stranded on canceled flights. For safety reasons, Charbel said he was hesitant again to make summer travel plans.

A recent issue for U.S. travelers is the strain on staffing at the Transportation Security Administration due to the partial government shutdown. TSA employees have gone weeks without pay, with the highest absenteeism rates and longest security checkpoint lines. Airport lines returned to normal after President Donald Trump signed legislation on March 27 directing federal funds to slush payments to TSA employees.. It is unclear how long this temporary relief will last.

Charbel said she plans to continue traveling in hopes of getting more clarity on government funding by July. On April 2, Congressional Republicans announced a new deal to be voted on in the U.S. House of Representatives, but there is still no clear end in sight to the longest partial shutdown in history. She monitors the news to make final decisions. “If the war spreads to other countries to the point where it’s no longer safe to travel, I would probably reconsider,” she says.

For many Americans, traveling can feel like something up in the air. From the Iran war to government shutdowns to a global security warning from the State Department, people are being forced to consider multiple factors when it comes to their 2026 travel plans, and many are wondering whether it’s worth the risk. In a March 2026 survey by SquareMass, 56% of Americans said they were worried that summer travel would be disrupted.

According to the National Travel and Tourism Administration, the latest data shows that the imbalance between international travel to and from the United States continues, with more Americans traveling abroad than foreign visitors arriving.

The number of international departures of U.S. citizens in the first two months of 2026 increased slightly compared to the same period in 2025, increasing 1.4% in January and 1.5% in February, according to data from the U.S. Department of Commerce’s International Trade Administration.

Conversely, approximately 5.85 million international travelers visited the United States in October, a decrease of 5.7% from the previous year.

NTTO data also shows that Mexico, Canada, and the Caribbean remain the top destinations for U.S. travelers, while the largest sources of inbound tourists to the U.S. include Mexico, Canada, the United Kingdom, Germany, and South Korea.

With the travel situation in flux, some Americans are moving forward with their travel plans, while others are cutting back on their travel plans.

Fears of slowing down travel

The disruption at airports due to closures was deadly for Americans, who are canceling trips altogether after news broke that soaring airfares and geopolitical tensions could lead to security risks such as sleeper cells.

In a statement to USA TODAY, the U.S. Travel Association acknowledged that “travel anxiety is a real and growing concern, and our new data shows it has become a defining issue for American voters.”

According to aviation analysis firm Sirium, demand for transatlantic travel in the summer is on the decline. Similar data was found on Expedia, where bookings from the US to Europe in July 2026 decreased by 11.19%, based on data from October 7, 2025 to March 14.

For nonprofit consultant and culture writer Dawn Montgomery, travel is an essential part of her job. She found herself flying across the country for consultations up to twice a week. Atlanta professionals made 10 business trips in February alone. In mid-March, she cut her April trips from eight to three, which was, in her words, “a huge jump.”

The decision was made in mid-March after a glimmer of the impact of the closure. She discovered that Hartsfield-Jackson Atlanta International Airport does not allow domestic flights to pass through the security line in the international terminal. This is her favorite travel hack for short lines. It also took much longer than usual to get through airport security, even with TSA PreCheck and Touchless ID.

“Intuitively, I think because I travel a lot, I know right away when something is wrong,” Montgomery said. “You can find out the energy of a particular airport you frequent.”

She began canceling upcoming domestic trips and soon after saw hours-long lines at airports on the news. “Then I started seeing posts about lines lasting for hours and I thought, there’s no way I’m going to the airport to do that,” she said. Her decision was finally solidified on March 29, when the president sent U.S. Immigration and Customs Enforcement agents to 14 airports to ease congestion.

She added that she has transitioned her consultations to online or within driving distance, and feels privileged to be able to work remotely while the lives of TSA agents continue to be affected by the longest partial shutdown in history. “That shouldn’t happen,” Montgomery said.

With travel canceled until June, Montgomery is wondering when she will next be able to see her son, who is stationed at Aviano Air Base in Italy. Typically, she visits him once a year and cashes in the miles she earns on business trips.

“You can’t avoid it.”

Not everyone is giving up on their travel plans. I realized that the reasons to continue with the plan outweighed the downsides. Instead, we adapt as needed.

California-based attorney Ather Khan and his family have three trips planned, including a Caribbean cruise departing from Florida in early April. Khan said he plans to arrive at Los Angeles International Airport at 6 a.m. for a noon flight to avoid problems at the airport.

They also have plans to visit his partner’s family in Russia in June and his own parents in Pakistan in July, with ties to Turkey and Dubai, respectively. The family plans to take them unless the flight is cancelled.

“There’s always something going on there, and you can’t avoid it, right?” he said. “If I was waiting for the perfect time, I would never go.”

Spending time with elderly family members and teenagers is more important than any worries. “This is like the last few summers we spent together,” he said. “You can’t let children be children by postponing. You only have so much time with them before they leave.”

Charbel agrees, saying travel is especially important for families with children. “I think it’s a really good skill to expose (your kids) to different cultures and people different from themselves, if you feel like you can do it and you feel comfortable with it.”

Gold price today on April 6, 2026

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How much is gold worth per ounce today?

As of 8:15 AM ET on April 6, 2026, the spot price of gold was $4,682.32 per oz., according to the latest market data. The stock rose 0.12%, or $5.68 from the previous closing price of $4,676.64.

One year ago, gold was trading at $3,038.00 per ounce. This means the price has increased by 54.12% over the past 12 months.

Key levels to look out for this week:

52 week low: $2,979.29

52 week high: $5,477.79

Gold is trading 14.52% below its 52-week high. It is 57.16% higher than its 52-week low.

What is the historical price of gold?

today 1 week ago 1 month ago 1 year ago
$4,682.32 $4,425.96 $5,171.92 $3,038.00

A week ago, gold was trading at $4,425.96 per ounce. Prices increased by 5.79% compared to a week ago.

A month ago, gold was trading at $5,171.92 per ounce. The price decreased by 9.47% from the previous month.

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

To invest in gold, you can buy physical coins and bars, buy ETFs that track the price of gold, or invest in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision.

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.

NASA dropped more photos of Artemis II over the weekend. Don’t miss it

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More breathtaking images released over the weekend from NASA’s Artemis II mission show both the Moon and Earth in all their cosmic glory. Please take a look.

Breathtaking images released over the weekend from NASA’s Artemis II mission show both the moon and Earth in all their cosmic glory as four astronauts head next to the heavens.

The Artemis II crew is within sight of the moon, preparing to set a human record by flying beyond the moon’s surface, about 250,000 miles from Earth. The mission began on April 1 with liftoff from Kennedy Space Center in Florida, but it wasn’t until Friday, April 3 that astronauts were given the green light to leave Earth orbit and head to the moon.

Along the way, the three Americans and one Canadian captured some of the most stunning views not seen since NASA’s Apollo moon exploration era ended more than 50 years ago.

Here, take a look at all the photos NASA has shared about the Artemis II mission as astronauts prepare for their historic lunar flight.

Artemis II photo

Did you miss seeing the latest photos that NASA shared in a series of social media updates from Friday, April 3rd to Sunday, April 5th?

The gallery below contains all the latest images from the pioneering Artemis II mission.

NASA’s latest Artemis II photos show the moon, Earth and astronauts

NASA’s latest photos of the Artemis II mission provide different views and perspectives of the Artemis II mission as it orbits the Moon.

The images include the astronauts’ first glimpse of the moon and their last glimpse of Earth before they reach the moon’s sphere of influence, where Earth’s natural satellites begin exerting a strong gravitational pull on Orion. These photos also offer a glimpse of what life is like aboard Orion, the 11-foot-tall, 16-1/2-foot-wide spacecraft that will be their home for the duration of the mission.

Artemis II approaches the moon, preparing for historic lunar flight

Artemis II is scheduled to reach the moon on Monday, April 6, for a historic lunar flight.

Astronauts aboard Orion, which plummets off the far side of the moon, are expected to travel the furthest distance from Earth ever reached by humans, surpassing the record of 248,655 miles set in 1970 during the infamous Apollo 13 mission. Astronauts will fly by the moon 6,000 miles above the surface and get a glimpse of the entire celestial disk, a sight not seen even by the Apollo astronauts.

Although they won’t land, their observations and the data they collect will be crucial as NASA prepares to return humans to the moon’s surface as early as 2028.

After their closest approach to the moon, the astronauts will prepare to pilot the Orion spacecraft back into Earth’s orbit, re-enter their home atmosphere on Friday, April 10, and use parachutes to splash down near San Diego off the coast of California.

Where is Artemis II now? Location tracker

Want to follow astronauts along Artemis II’s journey to the moon? NASA has an Artemis II tracker available online and in a mobile app that lets users see where Orion is, how fast it’s moving, and how far the spacecraft is from both Earth and the moon.

The mobile version for smartphones also includes an augmented reality feature that allows users to move their phone to see where Orion is in relation to Earth.

Who are the Artemis II astronauts?

Artemis II’s crew includes NASA astronauts Reed Wiseman, Christina Koch, and Victor Glover, and Jeremy Hansen of the Canadian Space Agency.

The mission will make Glover the first black man to venture near the moon, Koch the first woman and Hansen the first Canadian.

All three Americans are astronauts who have previously been to space on adventures to the International Space Station, with Hansen, a veteran aviator, making his first spaceflight.

Eric Lagatta is a Space Connect reporter for the USA TODAY Network. Please contact elagatta@usatodayco.com.

What is the price of silver on April 6, 2026?

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How much is silver worth per ounce today?

As of 8:15 AM ET on April 6, 2026, the spot price of silver is $73.45 per oz., according to the latest market data. The stock rose 0.61%, or $0.45 from the previous closing price of $73.01.

One year ago, silver was trading at $29.59 per ounce. This means that the price has increased by 148.23% in the last 12 months.

Key levels to look out for this week:

52 week low: $28.67

52 week high: $117.39

Silver is trading 37.43% below its 52-week high. The stock is 156.21% above its 52-week low.

What is the historical price of silver?

today 1 week ago 1 month ago 1 year ago
$73.45 $67.99 $84.65 $29.59

A week ago, silver was trading at $67.99 per ounce. The price increased by 8.04% compared to a week ago.

A month ago, silver was trading at $84.65 per ounce. The price decreased by 13.23% from the previous month.

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.

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.

Daily Briefing updates on Artemis II, Iran

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Welcome to the daily briefing. Here’s what you should read in the morning.

nicole farato Here’s the news you need to know on Monday, from the latest on the Iran war to this week’s election to the final chapter of this year’s March Madness.

What you need to know about President Trump’s abusive threats to Iran

what happened: President Donald Trump took to social media on Easter Sunday to praise the U.S. military’s rescue of a second airman whose fighter jet was shot down over Iran and delivered a profanity-filled message to Middle Eastern countries calling for the Strait of Hormuz to be reopened.

why is it important: After extending the deadline for an ultimatum for Iran to end its effective blockade on ships transiting the oil route, the president said the administration had until Tuesday to meet the demands, threatening attacks on critical Iranian infrastructure.

What happens now: Although Iran condemned Trump’s post, war remains unpopular among Americans who are skeptical of the purpose of the Iranian attack.

Track Monday’s developments on the Iran war live here With USA Today.

More news you need to know right now

  • President Trump wants to implement a nationwide mail-in voting system for the midterm elections. Experts told USA TODAY it will take years, not months, to create even a basic national system.
  • The winner gets the job. On Tuesday, voters in Georgia’s 14th District will vote in a runoff election to replace Marjorie Taylor Greene in the U.S. House of Representatives, while voters in Wisconsin will choose a new justice for the state Supreme Court and other local offices.
  • The famous hurricane map has been reborn. The “cone of uncertainty” is gone.

march madness

The end of UCLA’s story

UCLA finally broke through and won the first women’s basketball national championship in the NCAA era. The Bruins dominated South Carolina on Sunday, defeating the Gamecocks 79-51 at Mortgage Matchup Center. The team, which has five senior starters and six players eligible to be drafted into the WNBA on April 13, had a telegraph victory. Watch UConn take on Arizona in tonight’s men’s final.

Artemis II

What to do at work today: Look at the moon

The mission’s lunar crossing will take place on Monday, during a roughly six-hour window in which the Sun, Moon and Orion spacecraft will be in line, giving crew members a view of the far side of the Moon that is not visible from Earth.

before you go

Have feedback about the daily briefing? Email Nicole at NFallert@usatoday.com.

Savannah Guthrie returns live to ‘Today’ show despite mother missing

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Savannah Guthrie is back on the “Today” show.

The journalist returned to the NBC morning show on Monday, April 6, after being absent for more than two months due to the disappearance of his 84-year-old mother, Nancy Guthrie.

Surrounded by viewers wearing yellow ribbon stickers in honor of her mother and fans holding “Welcome Home, Savannah” signs, Guthrie read the morning’s biggest headlines. “It’s good to be home,” she went on to tell her coach, Craig Melvin, who said, “It’s good to be home.”

“So let’s go. Ready or not, let’s report the news,” added a smiling Guthrie, wearing a yellow dress for the occasion.

At 7:30 a.m., the anchors, joined by Carson Daly and Al Roker, turned their attention to the 40 or so viewers who were there to cheer on Guthrie. “I’m so excited to get everyone’s hugs and see them,” she said with emotion in her voice. “I feel so much love, thank you.”

Has Savannah Guthrie’s mother been found?

Guthrie’s mother, Nancy Guthrie, has never been found. She was reported missing from her home in Arizona on Sunday, February 1st. Arizona authorities have been searching for the 84-year-old man for more than two months and said they believe she was taken from her home against her will. In February, the FBI released an image of a masked suspect at Guthrie’s front door before she disappeared, but the person in the image has not been identified.

Savannah Guthrie He stepped back from the “Today” show and NBC’s coverage of the Olympics. While searching for his mother. Morning shows have regularly reported on the incident, and Ms Guthrie’s colleagues have voiced their support for her on air throughout her absence.

Savannah Guthrie returns to work after first interview with Hoda Kotb

Guthrie recently spoke to Hoda Kotb in her first interview about her mother’s disappearance.

In the emotional conversation, which aired on “Today” in several episodes starting March 26, Guthrie said he and his family are “suffering” and still “in the dark” about what happened to his mother.

The anchor wondered whether the fact that she was a prominent broadcaster made her mother a ransom target, and said she would be “very disappointed” if this was true. “The thought of me bringing this to her bedside is unbearable,” she said.

Ms Guthrie appealed for anyone with information to come forward so the family can feel safe. “I can’t breathe,” she said. “We can’t survive. We can’t go on. We can’t be at peace. We can’t move forward,” she said. “We need to know what happened to her.”

Savannah Guthrie says returning to ‘Today’ is ‘part of my purpose’

Guthrie also explained his decision to return to “Today” in the interview.

“It’s hard to imagine doing that, because this is a place of so much joy and brightness,” she said. “I can’t come back and try to be something I’m not. But I can’t not go back, because that’s my family. I think that’s part of my purpose now. I want to smile, so it’s real. My joy becomes my protest. My joy becomes my answer. And it’s fun to be there.”

Guthrie returned to “Today” the day after Easter, a fact that Al Roker became aware of when her return date was announced. “It’s almost symbolic of the resurrection after Easter,” he said. “As a family, we’re going to come together and help her.”

Guthrie visited the Today studio in New York City on March 5, but did not appear on the broadcast. At the time, NBC confirmed that Guthrie had told colleagues he intended to return to the show.

Jenna Bush Hager said, “She said she’s willing to come back to the show, even though it feels like the hardest thing to do. This is her home and it’s a place where she feels so loved. She’s loved even more than she is loved here.” “So we’re glad she’s home.”

In recent weeks, Guthrie has continued to ask the public for help finding answers about her mother’s disappearance, even as Arizona authorities have made no progress in the search. In a statement released on March 21, the family called for “renewed attention” to the case.

The Guthrie family’s statement to Arizonans said, “Someone knows something.” “Members of this community may have information they don’t even realize is important.”

Social Security checks will be mailed on April 8th. See full payment schedule.

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The first round of Social Security payments for April is scheduled to be distributed this week according to the normal schedule.

Social Security benefits (paid primarily to elderly or retired beneficiaries) are typically scheduled to be paid on Wednesdays.

Supplemental Security Income (SSI), on the other hand, is a program that benefits people with limited or no income or assets, people age 65 and older, and people who are blind or have qualifying disabilities. According to the SSA website, children with eligible disabilities are also eligible for SSI.

Here’s what you need to know about this week’s Social Security payments.

Who will receive Social Security payments this week?

Beneficiaries born between the 1st and 10th of their birth month are supposed to receive their monthly Social Security benefits on Wednesday, April 8, according to the SSA payment calendar.

When will my Social Security payments be sent?

Social Security benefits, which are paid primarily to elderly or retired beneficiaries, are typically paid on Wednesdays.

According to the SSA calendar, if the recipient’s birthday is between the 1st and 10th of the month, payments will generally be made on the second Wednesday of the payment month. Those born from the 11th to the 20th will receive the allowance on the 3rd Wednesday, and those born after the 20th will receive it on the 4th Wednesday.

People who received Social Security benefits before May 1997 can receive their payments on the third day of the month, excluding weekends and holidays.

Individuals who receive both Social Security and Supplemental Security Income (SSI) can expect Social Security payments on the 3rd of the month and SSI payments on the 1st of the month.

Complete Social Security Payment Calendar for 2026

SSI payment schedule for the end of 2026

Recipients of Supplemental Securities Income (SSI) checks are typically issued payments on the first business day of the month. Payment for March was made on Wednesday, April 1, 2026.

Here are the SSI payment dates for 2026 according to the SSA calendar:

  • Friday, May 1, 2026 (Please check May 2026)
  • Monday, June 1, 2026 (confirmed in June 2026)
  • Wednesday, July 1, 2026 (confirmed in July 2026)
  • Friday, July 31, 2026 (Please check for August 2026)
  • Tuesday, September 1, 2026 (confirmed in September 2026)
  • Thursday, October 1, 2026 (confirmed in October 2026)
  • Friday, October 30, 2026 (Please check for November 2026)
  • Tuesday, December 1, 2026 (confirmed in December 2026)
  • Friday, December 31, 2026 (for January 2027)

USA TODAY’s Mike Snider contributed to this report.

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_.

The 2026 election will still be held in Georgia and Wisconsin. What is the impact?

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The winner gets the job.

That’s what’s at stake in the elections in Georgia and Wisconsin on Tuesday, April 7th. Voters in Georgia’s 14th Congressional District will vote in a runoff election to replace Marjorie Taylor Greene in the U.S. House of Representatives, while voters in Wisconsin will choose a new state Supreme Court justice and other local offices.

These races are not primaries, but are part of a unique 2026 electoral roll nationwide that promises Republicans and Democrats a chance to retain or win power. Additionally, the success of President Donald Trump’s policies in his second term will depend on the political balance, and the stakes are high, even for state and local level positions.

Here’s what you need to know about the April 7 race and why it’s important to the country.

Georgia US House of Representatives Vacancy

On Tuesday, a runoff election will be held in the Peach State between two candidates: Democrat Sean Harris and Trump-backed Republican Clay Fuller.

The primary election held on March 10th resulted in a run-off as no candidate received more than 50% of the vote. Harris received 37.3% of the vote in the primary, the most of any Democrat by a wide margin, according to CNN and the Associated Press. Fuller, backed by President Trump, received 34.9% of the vote, defeating Republicans Colton Moore, Brian Stover and Tom Gray.

Ms. Harris leads Ms. Fuller in campaign fundraising, with Mr. Fuller showing $1.2 million and Ms. Harris more than $6.4 million as of April 2, according to the Federal Election Commission. At a rally in Rome, Georgia, Harris received support from Democratic heavyweights including former Transportation Secretary Pete Buttigieg and Sen. Raphael Warnock. But Mr. Fuller’s victory over his Republican peer last month may indicate that Mr. Trump’s support still weighs heavily in the minds of voters in heavily Republican districts.

Both candidates have been doing everything they can to make their case to voters since the primary. Last week, both Harris and Fuller attended a town hall meeting regarding permanent chemical exposure in local industry, Local 3 News reported.

Whoever wins the race will immediately head to Congress. A Harris victory and the district flipping to blue could narrowly hurt the Republican majority in the House, while a Fuller victory could boost support for the Republican plan.

Wisconsin Supreme Court retains liberal control

The Wisconsin Supreme Court is comprised of seven justices, currently six women and one man, each serving a 10-year term. Judges will be elected in a so-called spring election to be held on April 7 of this year. The Supreme Court race is the only statewide race on the April 7 ballot.

Two people are running for judgeship, and both currently serve on state appellate courts. Maria Lazar, a conservative appellate court judge who served as assistant attorney general in former Gov. Scott Walker’s administration, will face Court of Appeals Judge Chris Taylor, a former Democratic state lawmaker who served as policy director for Planned Parenthood of Wisconsin.

The 2026 Supreme Court race may not have the same national resonance as the 2025 race, won by liberal Susan Crawford in a record-breaking race for the nation’s most expensive judicial race. No matter who wins this year’s election, the court’s current liberal majority will remain the same.

Do these races matter?

It may be worth paying attention to races in these states for several reasons.

First, race is not a primary. That means the winner will not run another election in November. The winner of Georgia’s runoff elections will head to Washington to begin work. The winner of the Wisconsin race will then be sworn in to the bench and serve a 10-year term.

In Wisconsin, even if the winner doesn’t come at the expense of the liberal majority, the court is likely to take up issues with national implications, such as recent challenges to the state’s legislative maps and rulings that only the state Supreme Court has the power to overturn under current litigation conditions. Another lawsuit against the map is expected in 2027, according to the USA TODAY Network’s Milwaukee Journal Sentinel. This comes in the wake of a growing movement in states to revise their congressional maps ahead of the 2026 midterm elections.

The immediate impact of the Georgia election will be on the U.S. House of Representatives, where Speaker Mike Johnson (R-Louisiana) could gain allies or enemies. Greene’s successor could line up with a slim Republican majority in the House or become a new Democratic critic in the House, further testing Trump’s policy success in Washington during his second term.

Contributor: Milwaukee Journal Sentinel

These states have the highest and lowest income tax rates

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Taxes are never more of a burden than during tax season, when you’re trying to figure out how much of your income you’ll give to the IRS.

And if you live in Oregon or Massachusetts, you may be feeling the burden more than others.

According to a report by personal finance site FinanceBuzz, Oregon has the highest effective tax rate of all states, followed by Massachusetts. The report uses median income and state and federal tax rates to measure the combined average tax rate for all 50 states.

According to FinanceBuzz, Florida has the lowest overall tax rate, followed by Nevada. These two states have no income tax.

This report shows how tax rates and income interact. States with the highest effective tax rates tend to have higher tax rates and larger median incomes. States with the lowest tax rates generally have no income tax and have lower incomes.

The “effective” tax rate is the percentage of your annual income you pay in taxes, or your total taxes divided by your income.

Oregon and Massachusetts have the highest overall tax rates.

The median income for Oregonians is relatively high: $65,249 for individual taxpayers. Considering that income and relatively high state taxes, the typical Oregonian faces a total tax burden of $15,925, or 24.4% of their income, the report found.

The February report examines each state’s tax rates in 2025 and estimates how much tax a typical individual or couple will pay on their 2026 return.

map visualization

For clarity, we will primarily focus on personal tax rates.

Massachusetts has the second-highest individual tax burden, totaling $18,538, or 23.5% of the state’s median personal income of $78,811.

“Massachusetts has one of the highest median incomes of any state in the country, which makes it one of the highest taxes,” said Josh Cobert, a data scientist and researcher at FinanceBuzz.

“Oregon, on the other hand, is at the top only because its state taxes are significantly higher than others,” he says.

The effective state tax rate in Oregon is 7.9% for individual filers with median income, according to the report. This is nearly 3 percentage points higher than Hawaii’s next highest effective tax rate of 5.1%.

Florida and Nevada have the lowest tax rates.

Florida has the lowest personal tax rate. With an average income of $54,375 and no state taxes, the typical Floridian would pay $8,557 in taxes, or 15.7% of their income.

Nevada has the second lowest tax burden. The state also has no income tax, but the median income is slightly higher than Florida at $54,796.

Oddly enough, for married couples, the lowest overall tax rate is not in Florida or Nevada, but in Tennessee. The average income for married couples in the state is $105,402. With no state income tax, the average combined tax burden for married couples is 15.7%.

President Donald Trump has called for tax cuts. In response, a “tax race” has erupted among states, particularly Republican-led states, according to the nonpartisan Tax Foundation.

Eight states lowered their income tax rates in 2026, according to a report from the Tax Foundation. Ohio has adopted a flat tax, joining 14 other flat tax states, which is also a trend.

“A lot of states are trying to flatten taxes to simplify things,” Koebert said. “This will make it easier for everyone to understand that they are responsible for paying state taxes.”

FinanceBuzz analysis uses U.S. Census median income data to determine state-level tax rates based on 2025 state and federal tax laws.

These states have the highest overall tax rates

The 10 states with the highest effective tax rates for individuals are:

  1. Oregon: With a median income of $65,249 and an effective state tax rate of 7.9%, Oregon’s total effective tax rate is 24.4%.
  2. Massachusetts: Median income is $78,811. The state’s effective tax rate is 4.7%. The total effective tax rate is 23.5%.
  3. Maryland: Median income is $74,296. The effective state tax rate is 4.3%. The total effective tax rate is 22.4%.
  4. New York: Median income is $70,122. The state tax rate is 4.6%. The total tax rate is 22.1%.
  5. New Jersey: Median income is $73,606. The state tax rate is 3.4%. The total tax rate is 21.5%.
  6. Minnesota: Median income is $66,826. The state tax rate is 4.6%. The total tax rate is 21.4%.
  7. Virginia: Median income is $67,034. The state tax rate is 4.5%. The total tax rate is 21.4%.
  8. Illinois: Median income is $65,318. The state tax rate is 4.7%. The total tax rate is 21.3%.
  9. Hawaii: Median income is $60,531. The state tax rate is 5.1%. The total tax rate is 21.2%.
  10. Colorado: Median income is $71,700. The state tax rate is 3.4%. The total tax rate is 21.16%.

. . . And these states have the lowest tax rates

And the 10 states with the lowest effective tax rates for individuals are:

  1. Florida: Median income is $54,375. There is no state income tax. Total tax rate 15.7%
  2. Nevada: Median income is $54,796. There are no state taxes. Total tax rate 15.77%
  3. Tennessee: Median income is $55,245. There are no state taxes. Total tax rate 15.8%
  4. South Dakota: Median income is $55,597. There are no state taxes. The total tax rate is 15.82%.
  5. Wyoming: Median income is $56,994. There are no state taxes. The total tax rate is 15.9%.
  6. Texas: Median income is $58,229. There are no state taxes. The total tax rate is 16%.
  7. North Dakota: Median income is $60,086. There are no state taxes. The total tax rate is 16.1%.
  8. Alaska: Median income is $66,828. There are no state taxes. The total tax rate is 16.9%.
  9. New Hampshire: Median income is $69,187. There are no state taxes. The total tax rate is 17.3%.
  10. Louisiana: Median income is $52,496. The state tax rate is 2.3%. The total tax rate is 17.9%.

Contributor: Medora Lee.

Gubernatorial candidate Chad Bianco claims election fraud

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Monday, April 6, 2026, episode of the podcast The Excerpt: In Riverside County, California, a legal battle is underway between Sheriff Chad Bianco, a prominent election denier who is running for governor, and Democrats who claim his seizure of more than 60,000 ballots in the last election was a political stunt that undermined public confidence in voting. USA TODAY domestic security correspondent Josh Meyer joins The Excerpt to talk about what’s happening in Riverside and how it could affect the midterm elections.

Press play in the player below to listen to the podcast and follow the transcript below. This transcript was automatically generated and edited in its current format for clarity. There may be some differences between audio and text.

Podcast: For true crime stories, in-depth interviews, and more USA TODAY podcasts, click here

Dana Taylor:

The midterm elections are heating up, with battle lines being drawn in cities and towns across the country, including Riverside County, California. There, a legal battle is unfolding between Sheriff Chad Bianco, a prominent election denier running for governor, and Democrats who argue that the seizure of more than 60,000 ballots from the last election was a political stunt that undermined public confidence in voting. This is a political battle that could affect elections across the country, even if you don’t call California home.

Hello. Welcome to this excerpt from USA TODAY. I’m Dana Taylor. Today is Monday, April 6, 2026. Join USA TODAY Domestic Security Correspondent Josh Meyer to talk about what’s happening in Riverside and how it affects other counties. Josh, it’s great to have you back on The Excerpt.

Josh Meyer:

Hello, Danna.

Dana Taylor:

Josh, let’s start with Sheriff Chad Bianco. Why is he insisting we need to investigate this election, which took place back in November 2025?

Josh Meyer:

right. Bianco, who has long been concerned about fraud in California’s elections, particularly by Democrats. And what he said in this case was that there was a conservative voting group that turned out to have some disparity in voting. They basically found that there was a difference of 45,000 votes between the votes that were actually cast and initially recorded and the votes that were finally counted during the final count. So he basically said that as part of his job as the sheriff of Riverside County, he got court approval to seize every ballot submitted to Riverside County. And he’s now trying to count them to find out why this discrepancy exists, how it affected the election, and what needs to be done to fix it.

Dana Taylor:

Sheriff Bianco seized more ballots last week, more than 400 boxes. Is this seizure of ballots legal? What does the court say?

Josh Meyer:

Well, California doesn’t think it’s legal. The state attorney general’s office and the secretary of state went to court all the way to the California Supreme Court, arguing that they had no authority to do this because there were no discrepancies on the ballots, making it not only unnecessary but also illegal. So they’ve been fighting hard to stop the vote counting, and they’ve been successful, but they say Chad Bianco doesn’t have the authority to do this. That’s why they are fighting tooth and nail.

Dana Taylor:

In the 2025 election at issue here, voters could overwhelmingly vote in favor of Proposition 50, giving Democrats the right to redraw district maps, giving them a clear advantage and potentially giving them a majority in the House. Josh, weren’t the results already certified? Is he asking the court to throw them out?

Josh Meyer:

right. So it was basically a big win for the Democratic Party. What they’re saying, including Xavier Becerra, one of the gubernatorial candidates running against Chad Bianco, is that this means, for example, the election was certified and there was no fraud, even if there was some fraud, whatever this recount is, which in their opinion is unnecessary, will never come close to changing the outcome of the election. So what they’re saying is that this is a political stunt by a gubernatorial candidate who just wants attention for himself and is trying to undermine voters’ confidence in the election system.

I think that’s one of the reasons they’re fighting so hard is because they think Bianco has ulterior motives. Well, I talked to him yesterday. It was the first time he spoke to reporters since saying the case was on hold, insisting he had no political motives and was just trying to do his job and count the votes, and that it was the California Democratic Party that was trying to block his efforts with grandstanding.

Dana Taylor:

Now, has the sheriff presented any evidence to the court to substantiate his claims of “misconduct”?

Josh Meyer:

As far as we know, he doesn’t. He has also not provided information to the California Attorney General’s Office, which has been one of his major issues with the attorney general. Democratic Attorney General Rob Bonta said he was trying to get Riverside County Sheriff Chad Bianco (who is an elected official, by the way) to provide information beyond the audit to support his claims from the private group, called the Riverside Election Integrity Group, but Bianco refused. What the attorney general also says is that Bianco has many options to demand a recount and work within the system to look for voter fraud, but Bianco has refused to do so and is instead trying to seize ballots on his own, which Attorney General Rob Bonta says is a political move and not an effort to truly understand what’s going on.

Dana Taylor:

Josh, what’s at stake for Riverside residents?

Josh Meyer:

At the end of the day, I think it’s more perception than reality that’s at stake for Riverside residents. I don’t think this will change the outcome of Proposition 50, especially since it was passed overwhelmingly by voters. But I think what’s happening now, at least if you believe Mr. Bianco’s criticisms, is that he’s eroding confidence in the election system and the voting system, especially mail-in voting. Bianco has been a very vocal and vocal supporter of President Trump, and has generally said that mail-in voting should not be trusted, even though Trump only voted by mail last week. But I think what’s at issue here is integrity and trust in the electoral system. And I think this is the same in other places around the country.

Dana Taylor:

The story is reminiscent of the FBI’s seizure of 2020 ballots in Arizona earlier this year. These ballots have become a focal point in proving President Donald Trump’s repeated false claims that he actually won the election. What are the implications for other county officials who may similarly challenge election results?

Josh Meyer:

Well, I guess this is the million dollar question. President Trump continues to beat the drum that mail-in voting cannot be trusted and that it is politicians, not election officials, who say the elections are fair. And this first started in January when the FBI seized ballots in Fulton County, Georgia. Ballots from the 2020 election, which President Trump continues to claim he won even though he lost to Democrat Joe Biden, are still being held in a secure location. As such, the FBI is conducting an investigation at the direction of the Office of the Director of National Intelligence, which many believe is directed by the White House. And, as you mentioned, they seized ballots in Arizona as well. So the fear is that they will just start questioning the results of elections that they don’t like. And of course, there’s a lot at stake with the midterm elections approaching, which will determine whether President Trump can win Congressional support for his policy agenda in the final two years of his term.

So if they start challenging all these different elections, past elections, what are they going to do when this election comes? If they don’t like the results of a state or district, are they just going to try to steal the ballots? If so, what happens after that? Some voting rights experts say that would create a constitutional crisis.

Dana Taylor:

Are there any courts or state agencies that can resolve this issue with Riverside ballots?

Josh Meyer:

Well, what’s happening in California right now is that Chad Bianco has announced that he’s putting everything on hold. And the reason, he told me, was that the Superior Court judge, who was required to appoint a special lead in the case to oversee the vote-counting process, said, “I’m going to step aside until the California Supreme Court decides what to do about this issue.” However, the California Supreme Court referred the issue to a higher court. So we’re kind of in a legal limbo right now, but given how strongly both sides feel about this, it could end up in the U.S. Supreme Court. No one really knows. What Bianco told me was, “We’re in a legal limbo right now, so we’ll just have to wait and see,” which could drag on for weeks or even months.

Dana Taylor:

California’s election process here allows the top two candidates in the June 2 primary to advance to the general election. How close is the gubernatorial race, and who is the frontrunner at this point?

Josh Meyer:

Well, I think it’s pretty controversial because there are so many Democrats running. There are at least eight candidates, or eight at last count, and no one wants to drop out. So there are concerns, at least among Democrats, that this could affect the election, or at least give some kind of advantage to Chad Bianco, who is currently leading in the polls, and another Republican candidate. Bianco is currently No. 2 in the polls, and the other Republican candidate is No. 1 in the polls, with Democrats trailing behind him. Therefore, Bianco has a chance to win.

Dana Taylor:

Josh Meyer is USA TODAY’s domestic security correspondent. Josh, it’s always a pleasure to have you on The Excerpt.

Josh Meyer:

It’s always good to be here. Thank you, Danna.

Dana Taylor:

We would like to thank Senior Producer Kaely Monahan for her production assistance. Executive producer is Laura Beatty. Let us know what you think about this episode by sending a note to podcasts@usatoday.com. Thank you for your attention. I’m Dana Taylor. Tomorrow morning, we’ll be back with another episode of USA TODAY Excerpts.

How to keep Medicare premiums low after retirement

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It’s an approach worth trying.

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One of the biggest expenses you may face in retirement is none other than medical expenses. Part of the reason is that Medicare is never free.

Most enrollees do not pay a premium for Medicare Part A, but there is a monthly premium for Part B. You may also be charged a premium to your Part D drug plan or Medicare Advantage.

Standard monthly premiums for Medicare Part B vary from year to year. This year it’s $202.90 per month.

However, higher income earners often have to pay more for Part B in the form of an Income-Related Monthly Adjustment Amount (IRMAA). These are essentially surcharges on your Medicare premiums and can add hundreds of dollars in costs per month.

However, if you make one smart move before you retire, you may be able to keep your Medicare premiums low. You just have to plan carefully.

Why Roth conversions are important

The cost of Medicare is determined by what your modified adjusted gross income (MAGI) is. You should know that withdrawals from a traditional IRA or 401(k) plan count toward MAGI. And if your retirement plan has large balances, you could be pushed into IRMAA territory.

Now you may be thinking, “Well, why not limit withdrawals from my IRA or 401(k)?” But that may only work until you need to start taking the minimum distribution, i.e., RMDs.

At that point, you have no say, no matter how much you withdraw, because there are hefty penalties for failing to collect your RMDs. Additionally, if your RMDs are significant, you may be considering IRMAA.

That’s why it pays to consider turning Ross around before he retires.

If you are able to move funds from a traditional IRA or 401(k) to a Roth IRA, the withdrawals are not taxed and therefore do not count toward MAGI. This means you can effectively withdraw hundreds of thousands of dollars a year in retirement without exceeding Medicare’s standard monthly Part B premiums.

Timing your Roth conversion carefully

You may be ready to make a Roth conversion. But remember, the money you convert will count as taxable income in the year of conversion. If you have a $1 million IRA, it’s not a good idea to convert it all in one year.

We recommend spreading your Roth conversion over several years to minimize your annual tax bill. So if you have $1 million to cash out, you might want to try and cash it out over 10 years if possible. If you semi-retire in your 50s and get a low-paying, low-stress job and stay in that job for 10 years, you might have a chance.

Of course, you may not be able to transfer all your money from a traditional retirement plan. But it doesn’t have to be. If you can reduce your traditional $1 million IRA to $400,000 by the time you start taking RMDs, your forced withdrawals will likely be small enough to avoid IRMAA risk.

Perhaps the last thing you want to do in retirement is pay extra for Medicare. With the right strategy, that may not be necessary.

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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‘It’s a logistical nightmare,’ says expert on Trump’s vote-by-mail order

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Election experts told USA TODAY that even a basic national mail-in system would take years, not months. President Trump wants that in the midterm elections.

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WASHINGTON – President Donald Trump’s new executive order requiring each state to create a federal list of Americans eligible to vote and directing the U.S. Postal Service to send mail-in ballots only to verified voters is already facing significant legal challenges.

But even if he wins in court, election experts say President Trump’s latest effort to take federal control of U.S. elections before November’s midterm elections would be logically impossible to implement.

In signing the March 31 executive order, President Trump directed his administration to create a list of people eligible to vote in each state and find a way for the federal government to mail ballots only to those who meet that criteria.

It also specifies that the Department of Homeland Security, in conjunction with the Social Security Administration, must create a list of U.S. citizens of voting age who are residents of each state and send it to poll officials in each state (which already maintains its own voter rolls) at least 60 days before an election.

At an Oval Office event announcing the order, Trump offered few details other than to say that the new system was “conceived by some great legal minds.”

“They looked at all the different documents and everything that was going on, because mail-in voting fraud is legendary,” Trump said, repeating claims he has often made without providing evidence. “Democratic leaders, corrupt people like (Senate Minority Leader Chuck Schumer) want to use that to cheat,” he added.

The move escalates President Trump’s efforts to place new restrictions on voting ahead of midterm elections that will determine which party controls the House and Senate for the remaining two years of his second term.

But experts said the Trump administration appears to have done little in terms of workshops to actually implement the executive order.

“EO is a logistical nightmare and, constitutional issues aside, clearly represents magical thinking,” said Charles Stewart III, director of the Massachusetts Institute of Technology’s Election Data Science Institute.

“The important thing to note is that the federal system does not have reliable, proprietary information about the people who are on the voter rolls,” Stewart told USA TODAY.

“It’s not something that comes out of the public in the middle of primary season.”

Creating such a vetted list would require merging many existing federal databases, including the Social Security Administration and the notoriously inaccurate Systematic System of Alien Eligibility Verification (SAVE), he said. These databases already have established problems before anyone tries to integrate them.

Stewart said such an effort could take years and would require at least establishing a pilot program, creating and “debugging” an entire new database, getting input from Congress and the public, and, importantly, acquiring and spending significant federal funding.

“If we’re really serious about implementing it, we’re going to need not only rules, but also project management, funding streams, intergovernmental agreements, vendor capabilities, testing cycles, and a hierarchy to resolve conflicts between federal data, state voter files, and local election deadlines,” he said.

“This is a multi-year project, and it’s not something that comes to mind across the country in the middle of primary season,” Stewart said.

The interactive election group True the Vote was among the many Trump supporters who supported the president, saying it was needed to restore trust in mail-in voting.

“Not surprisingly, this administration has taken bold action on issues that the American people overwhelmingly support,” he said in a March 31 post.

“States that do not comply may receive funding from the federal government,” True the Vote said in another X post. “The days of trusting but not verifying are over.”

Some other conservatives were less enthusiastic.

Election law expert Paul Rosenzweig said one of the biggest challenges is building a system that not only works, but also reverses the public perception that the Trump administration is using it as a political tool to help Republican candidates win in November.

When President Trump announced and signed his presidential term papers on March 31, he essentially told the American people: “I want the Postal Service to put in place an unnecessary and unworkable system that will be used to eliminate the votes of people I don’t like,” said Rosenzweig, who served as an official at the Justice Department and the Department of Homeland Security in several Republican administrations.

What does President Trump’s executive order mean?

President Trump has suggested for months that the federal government could and should nationalize the voting process to crack down on fraud and stop Democrats from cheating to win the election.

There is virtually no evidence to support such claims that voter fraud is widespread, and Democrats and voting rights experts say the extremely rare instances of fraud are the result of mistakes and not deliberate efforts to sway elections.

President Trump’s latest move to take control of elections away from the states was quickly denounced by Democrats and voting rights groups as an unconstitutional effort to interfere with state election administration and potentially make it harder for millions of people to vote.

Some have already filed lawsuits, arguing that the U.S. Constitution gives states and Congress, not the president, the power to decide who is eligible to vote by mail.

On April 2, Mr. Trump and other administration officials were sued by the Democratic leadership of the House and Senate, the Democratic National Committee, and other party organizations working on campaigns in the House, Senate, and governor’s offices across the country.

New York Attorney General Letitia James and 23 other states filed a lawsuit on April 3 seeking to block the executive order on similar grounds.

“A new order devised by some great legal minds”

President Trump is focused on improving voting laws in the run-up to November’s midterm elections, asking Congress to pass the SAVE America Act, which would require proof of U.S. citizenship to register to vote and a photo ID to vote. The bill has stalled due to strong opposition from opponents.

In announcing the executive order, Secretary of Commerce Howard Lutnick said the proposed new system for voting by mail includes the use of the U.S. Postal Service’s unique barcodes on special envelopes to ensure each vote is traceable and secure.

“What the president is doing today is making sure mail-in voting is safe, secure and accurate, and clearly distinguishing mail-in voting from regular mail,” Lutnick said.

“So if we had a million mail-in ballots, a million envelopes, we would know exactly and accurately what the people voted for,” Lutnick said.

In response to questions from USA TODAY, White House press secretary Abigail Jackson said, “Election integrity has always been a top priority for President Trump, and the American people overwhelmingly supported President Trump’s common-sense election integrity policies, which is why we sent him back to the White House.”

“The President will do everything in his power to protect the safety and security of American elections and to ensure that only Americans can vote,” Jackson said.

USA TODAY reached out to the U.S. Postal Service, Department of Justice, and Department of Homeland Security to learn how the new executive order affects them and how they plan to comply.

“We are reviewing the order,” Postal Service spokeswoman Kathy Purcell told USA TODAY.

A White House official told USA TODAY on condition of anonymity that relevant agencies, including the Postal Service, are working to implement the executive order and that proposed rulemaking will be announced in due course.

“Unrealistic, unnecessary, reckless, expensive”

A spokesperson for the National Association of State Election Officials said in an email to USA TODAY that it is too early to say how President Trump’s order will be implemented, much less whether it will be done in time for the midterm elections.

The order requires the United States Postal Service to issue a notice of proposed regulations. A proposed rule is a formal document published in the Federal Register to announce and explain a new proposed rule and to begin a public comment period during which the public and organizations can provide feedback before the rule is finalized.

In Oregon, the first state in the nation to vote exclusively by mail, Secretary of State Tobias Reed said the state and his secretary of state have been given no information about how the new system will work.

“This is just one example of how disingenuous this whole thing is,” Reed told Oregon Public Broadcasting. “I think it’s not only unrealistic, it’s unnecessary, reckless, expensive and, fundamentally, a massive overreach by a president who is deeply concerned about his unpopularity and the fact that he has to be held accountable electorally.”

Reed said Oregon and other states have successfully fended off the Trump administration’s efforts to obtain state data stored on voters, in part because “states have shown they don’t have the ability to protect that kind of data.”

Not only is the proposal overly politicized, Reed said, but it also seeks to reinvent a system that the state already knows works well.

“The idea that the federal government can decide who can and cannot vote goes against everything we know about how the Constitution works,” Reed said. “This is a fundamental right guaranteed by the Constitution, and it is up to the state to decide.”

In Oregon, Reed said, the state requires people to prove their citizenship before sending in ballots that are individually tracked with barcodes. Ballots must then be placed in signed envelopes, and the signatures are forensically verified by every county election official in the state, he said.

“That’s why our system is the gold standard,” Reed said. “This is another example of why this is opaque, unnecessary and expensive. There is nothing positive to say about this initiative.”

Why are President Trump’s orders so difficult to implement?

Stewart, of the Massachusetts Institute of Technology’s Election Data Science Institute, enumerated to USA TODAY a long list of ways such a system would be nearly impossible to establish on the fly, such as creating a national list of citizens 18 and older living in each state.

He said there are already “a plethora of issues” related to data quality, integrating different systems and databases, how to deal with exceptions and mistakes, wide variation in state laws, how to maintain a national “live list” of approved voters, how to devise a national envelope and tracking system, how to establish privacy controls, how to design and debug the entire system, and more.

Rosenzweig, who now runs Red Branch Consulting, said one of the list of problems, the systematic alien verification database for qualifications alone, has a 20% error rate in verifying citizenship.

Since April 2025, USCIS has identified more than 21,000 cases of potential non-U.S. citizens on the voter rolls, and those cases are referred to DHS Homeland Security Investigators for further investigation, said Matthew Tragesser, a spokesman for U.S. Citizenship and Immigration Services within DHS.

DHS did not respond to USA TODAY’s questions about SAVE’s errors or whether the agency could comply with President Trump’s executive order.

But Tragesser said in a statement that USCIS is “committed to overhauling the SAVE program to ensure it is fully operational, eliminating voter fraud and restoring confidence in American elections by ensuring that only U.S. citizens can vote.”

Rosenzweig said the U.S. Postal Service’s problems also abound, especially when it comes to overcoming organizational dysfunction and implementing “targeted mail withdrawals for specific individuals.”

“The Postal Service is a huge bureaucratic organization,” Rosenzweig told USA TODAY. “Nothing can be implemented in less than six months.”

“I don’t mean that in a bad way,” he said. “I’m just saying that in a realistic way.”