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Melania Trump and Donald Trump are scheduled to meet. clock

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  • President Donald Trump and first lady Melania Trump are scheduled to attend a Women’s History Month event together.
  • As first lady, Melania Trump advocated for the Take It Down Act and launched the Growing Our Future Together initiative.
  • Slovenian-born Melania Trump is the only naturalized US first lady.

President Donald Trump and First Lady Melania Trump are scheduled to attend a Women’s History Month event on March 12th.

Presidents and first ladies don’t often appear together in public, but President Trump recently cheered on Melania Trump at the premiere of the documentary “Melania.” Similarly, Melania Trump attended the State of the Union on February 24th, along with all of Donald Trump’s children and their significant others.

Women’s issues are a complex topic for the Trumps. While the president is credited with overturning Roe v. Wade, Melania Trump wrote in her 2024 memoir that she supports a woman’s right to choose what to do with her body.

Here’s what you need to know about the first lady.

Watch Women’s History Month events with the Trumps

What time will Mr. Trump speak today?

The event, which will include the president and first lady, begins at 4 p.m. ET.

What has Melania Trump done as first lady?

Melania Trump has remained relatively low-profile as first lady, except to promote the documentary “Melania.”

Early on, she played a key role in advocating for the Take It Down Act, which the president signed on May 19th. The law criminalizes non-consensual, explicit images created by artificial intelligence, known as deepfakes.

Throughout the spring, she spoke at the International Women of Courage Awards, attended Pope Francis’ funeral (his 55th birthday), helped organize the annual White House Easter Egg Roll, and hosted a gala celebrating military mothers.

She also attended the Army’s 250th Anniversary Parade in Washington, D.C., on President Trump’s 79th birthday.

Melania Trump visited children’s hospitals in the Washington, D.C., area ahead of Independence Day, and appeared with the president signing the Big Beautiful Act during the holiday. The following week, she visited flood-hit areas in Texas. She then attended the FIFA Club World Cup final, where her husband made headlines for remaining on stage during the winning team’s celebration.

After about two months off from her summer public life, she attended an AI event and business dinner on September 4th. Since then, she has appeared with President Trump at a 9/11 memorial event, a state visit to the United Kingdom, and Halloween at the White House. She also spoke at the United Nations General Assembly, announcing the launch of the “Developing a Future Together” project, and on October 10, Vladimir Putin’s government announced that it had agreed to return Ukrainian children who were taken in as minors until they turned 18.

She appeared at numerous White House holiday events, including receiving Christmas trees, picking out Christmas decorations, and participating in Toys for Tots events.

She recently made history as the first first lady to preside over a session of the United Nations Security Council.

When did Melania meet Donald?

The first lady posted an excerpt on social media from her memoir “Melania,” which tells the story of how she met her now-husband.

She said she met Donald Trump at the Kit Kat Club on a Saturday night in September 1998 while attending a party with friends.

“‘Hello, this is Donald Trump,’ the man said as he sat down at my table. ‘Nice to meet you.’ I recognized the name and knew he was a businessman or celebrity, but I didn’t know much else. He held out his hand to shake mine,” she wrote in the book. “His eyes were full of curiosity and interest, and he took the opportunity to sit down next to me and strike up a conversation.”

She also wrote that she was “drawn to him by his magnetism,” although she didn’t really care at the time because he was a beautiful date.

The two married in 2005 and had a child, Barron Trump, the following year.

Is Melania Trump a US citizen?

Yes, she is the only naturalized First Lady.

What is Melania Trump’s nationality?

Mr. Trump was born in Slovenia.

What about Melania Trump?

Melania Trump is 55 years old and Donald Trump is 79 years old.

How tall is Melania Trump?

First Lady Melania Trump is 5 feet 11 inches tall.

Kinsey Crowley is a Trump Connect reporter for the USA TODAY Network. Please contact KCrowley@usatodayco.com. follow her X (Twitter), blue sky and TikTok.

Caroline Leavitt answers married women’s concerns about the SAVE Act

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White House press secretary Caroline Levitt said there is “zero validity” to concerns that the SAVE Act would make it harder for married women to vote, despite claims to the contrary by the bill’s critics.

“For married women who have changed their names and are already registered to vote, they are not affected by the SAVE Act in any way,” Levitt said at a March 10 White House press briefing.

The SAVE America Act, if passed, would require Americans to show proof of citizenship to register to vote and to show identification to vote.

The bill passed the House last month but has since stalled in the Senate. President Donald Trump, a longtime supporter of the bill, said this week that he would not sign the bill until Congress passes the SAVE Act.

Republicans say the SAVE Act is necessary to protect elections, but Democrats and voting rights advocates say the bill would disenfranchise millions of Americans, including married women, by making it harder to register and vote.

Caroline Leavitt slams Democrats when asked about married women and the SAVE Act

Asked if the SAVE Act would make it harder for married women to vote, Levitt called that concern a “huge myth” and slammed Democrats.

“The SAVE America Act does not prohibit anyone from voting, except for people in the United States illegally,” Levitt said. “And the biggest way to disenfranchise American citizens from voting in American elections is to allow illegal aliens to vote, and that’s what Democrats want.”

Watch Leavitt’s reaction in the video at the top of this article.

According to the Bipartisan Policy Center, it is already illegal for non-citizens to vote in federal elections, and data shows non-citizens rarely vote in elections.

Levitt said there is “zero validity” to concerns that the SAVE Act would affect married women trying to vote. But she also acknowledged that the law would create additional steps for people who have changed their names, such as married women, to prove their citizenship in order to vote.

“For the small number of individuals who have changed their name or address, they can still register to vote. Of course, all they have to do is go through the state process and update their documents,” Levitt said, adding that Americans “already do that every day.”

How will the SAVE Act affect married women’s votes?

Under current law, many Americans must show some form of identification to register to vote. Among other things, the SAVE Act would require Americans to present proof of citizenship, such as a passport or birth certificate, when registering to vote.

This means married women who change their last name will need to present citizenship documents that match their current legal name.

According to the League of Women Voters and the Brennan Center for Justice, the bill could add new barriers to voter registration for many married women and others who have changed their names because their passports and birth certificates may reflect their former legal names.

According to a study by the Brennan Center for Justice, 9 percent of Americans, or more than 21 million people (including those without a passport or a paper copy of their birth certificate), do not have these documents readily available.

Contributor: Katherine Palmer, USA TODAY

Melina Khan is USA TODAY’s national trends reporter. Contact her at melina.khan@usatoday.com.

State constitution could bar state and local police from cooperating with ICE

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Suppose your local police department decides to work with a masked man who routinely grabs people off the street and beats them up in the name of catching criminals. Would state law impose any restrictions on local law enforcement’s dealings with this vigilante group?

No, not Batman. ICE agent.

The Trump administration has deployed thousands of federal agents, including Immigration and Customs Enforcement (ICE) and Customs and Border Protection agents, to cities and states across the country. Whatever the benefits of this surge in enforcement, the costs are alarming. In Minneapolis, federal agents shot and killed Renee Good and Alex Preti. In Chicago, agents brutalized protesters, journalists, and bystanders alike, including local officials and religious leaders. Across the country, people caught up in immigration enforcement are being killed by federal agents or dying in federal custody.

But the surge in federal enforcement is only half the picture. Both ICE and the federal Border Patrol rely on cooperation with state and local law enforcement to detain immigrants, share data and resources, and suppress protests. In Tennessee, for example, State Highway Patrol troopers, along with ICE officers wielding shotguns, reportedly conducted racist traffic stops on pretext. In Massachusetts, local officials reportedly shared the identities and locations of immigrants in state custody with federal immigration authorities. Even in so-called sanctuary jurisdictions that prohibit or discourage cooperation, state and local police share information with ICE, resulting in the detention and deportation of residents. Additionally, over the past year, local governments have signed a record number of agreements under the 287(g) program that create formal partnerships between state and local police departments and ICE.

President Donald Trump has falsely suggested that states are obligated to provide this kind of assistance to federal immigration authorities. He accused the sanctuary jurisdiction of being “lawless.” He has issued several executive orders seeking to punish these sanctuary cities and states. And the Justice Department has filed a series of lawsuits against cities and states for refusing to assist federal immigration officials.

Trump is wrong. The 10th Amendment gives states the power to refuse to participate in federal programs, including immigration enforcement. Just as many states have chosen not to assist the federal government in enforcing federal prohibitions on marijuana possession (indeed, many states have explicitly decriminalized marijuana possession under state law), they can also choose not to assist the federal government in enforcing federal immigration laws. Some states and municipalities are doing just that.

But the abhorrent conduct of federal immigration officials in recent months, combined with the federal government’s apparent determination to continue that conduct, raises the possibility of more. allow States and cities can opt out of federal agents’ assistance in immigration enforcement, but state constitutions may actually allow them to do so. force It’s an opt-out.

State constitutions can go beyond the United States Constitution in protecting individual rights. For example, suppose a police officer stops a car because he suspects the passenger is an illegal immigrant, but claims the reason for the stop was a malfunctioning taillight. Even if that pretext stop were permissible under the Fourth Amendment, the officers’ actions could still violate the state’s constitutional rights against unreasonable searches and seizures. Similarly, a suspension based in part on a suspect’s language, race, ethnicity, or occupation, law professor Anil Kalhan called a “Kavanaugh suspension,” referring to Justice Brett Kavanaugh’s concurring opinion. Noem v. Vasquez Perdomo — Even if a federal court deems the summons permissible under the U.S. Constitution, it could violate the states’ equal protection guarantees.

Federal officials are unlikely to worry about increased state constitutional protections. Due to the Supremacy Clause of the U.S. Constitution, these agents generally do not have to follow the constitutions of the states in which they operate. (I feel like people don’t really care about the U.S. Constitution these days.)

State and local officials don’t have that luxury. The state constitution fully binds federal immigration officials, including when using state law enforcement powers to assist them. At a minimum, state and local officials must not directly engage in actions that violate the state constitution. But shouldn’t we also avoid encouraging such behavior by federal employees?

This question, of course, goes back to Batman. Suppose the fictional Commissioner Gordon believes that important evidence is in a person’s home or that only the bad guys know about it. But instead of requesting a search warrant or inviting the bad guy for questioning, he lights up the Bat-signal – perhaps anticipating that Batman might use physical force to extract evidence. Under what circumstances would the state constitution hold the commissioner accountable for Batman’s methods?

The state constitutional question of whether state actors are legally responsible for the actions of those they choose to cooperate with should not depend on whether you think Batman’s (or ICE’s) heart is in the right (or wrong) place. The answer may be found in the principles of state conduct. Applying this principle, courts have held that the acts of a third party are attributable to the state if there is a close relationship between the state and the third party.

For example, the California Supreme Court concluded that constitutional protection extends to illegal searches by civilians participating in police operations if the police officer “stood silently by” while the illegal searches were taking place. Similarly, the New Mexico Supreme Court held that state courts should exclude evidence collected by private security guards if they “routinely exceeded the bounds of a reasonable investigation” and “the officers knowingly condoned or participated in the conduct…or did not discourage it.”

Although these “attribution” cases typically involve third-party private actors, the logic applies more strongly when state and local officials are involved with third parties who are federal employees. Federal agents are government subjects, and state constitutions require that, at a minimum, they protect the rights of their citizens from government encroachment. In fact, some state courts interpret state constitutions to broadly protect rights, regardless of the status of those who violate them.

States also have strong incentives to ensure that state and local police officers do not negligently or intentionally collaborate with federal agents to engage in activities that harm their residents. For example, even in the absence of any wrongdoing by state officials, the New Mexico Supreme Court applied the exclusionary rule to evidence seized by federal agents in violation of the New Mexico Constitution. The court reasoned that the court “has the power, and indeed the duty, to insulate the court from evidence seized in violation of the state constitution.” Superior courts in Oregon and Washington have adopted similar rules. These decisions suggest that, for purposes of the state action doctrine, in determining when to refer federal actions to state and local officials, state courts should be wary of any conduct by state and local officials that risks encouraging anyone to violate the state constitution.

State officials should be on guard as well. When ICE and Customs and Border Protection act with clear disregard for the rights of state residents, the intertwining of local police and federal immigration enforcement poses a risk that goes beyond undermining trust with local communities. It could also effectively erode state constitutional guarantees. Therefore, not only do state and local officials have the option to support federal immigration enforcement under the U.S. Constitution, but they should also consider the possibility that their own constitutions may force them to decline assistance.

Matthew Segal is co-director of the American Civil Liberties Union’s (ACLU) State Supreme Court Initiative.

Liana Wang is a student at Harvard Law School.

Recommended Citation: Matthew Segal & Liana Wang, State constitution could bar state and local police from cooperating with ICESᴛᴀᴛᴇ Cᴏᴜʀᴛ Rᴇᴘᴏʀᴛ (March 11, 2026), https://statecourtreport.org/our-work/analysis-opinion/state-constitutions-could-bar-state-and-local-police-collaboration-ice

2026 cheapest home warranty companies chosen by experts

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Feeling like you’ve been hit with home repair after home repair? Then it may be worth getting a home warranty.

However, if you don’t want to shell out big bucks in high monthly fees, it’s in your best interest to choose the most affordable home warranty plan.

The USA TODAY team researched the top 20 home warranty companies and ranked them based on plan cost, coverage, service, and more. According to our in-house methodology, these home warranty companies offer the cheapest and most comprehensive plans.

Why trust USA TODAY?

The USA TODAY team creates and uses an in-house methodology to review and rank all home warranty providers on our list. For the cheapest home warranty, we prioritize the cost and value of these warranty plans. That said, plan costs, service fees, coverage limits, and plan offerings account for 68% of a provider’s total score.

Home warranty providers are rewarded for offering comprehensive plans at below industry average costs and are assigned points based on how well they provide warranty service.

Top 6 Cheapest Home Warranty Companies in 2026

2-10 Home Buyer Guarantee: Great if you’re on a budget.

2-10 Get a Free Home Buyer Warranty Quote

  • Monthly cost: $32 – $42+
  • Service fee: 100 dollars
  • Upper limit of coverage: Up to $2,000 per system or appliance

2-10 Home Buyers Warranty is one of the cheapest home warranty companies based on monthly costs. Get coverage for major appliances and systems for just $32 a month.

Unlike some providers that offer one standard service fee, the 2-10 Home Buyer Guarantee lets you choose how much you pay per claim. Service fees start at approximately $100, but this fee can increase or decrease. Changing service call rates will have an adverse effect on your monthly bill, so be careful if you’re on a tight budget.

American Home Shield: Best for high coverage caps

  • Monthly cost: $50 – $100
  • Service fee: $125
  • Upper limit of coverage: Term $50,000. Up to $4,000 for appliances. Up to $5,000 for your system

The cheapest home warranty is not just about the monthly cost, but also about the value of the plan. American Home Shield (AHS) may cost more than other providers on this list, but its high coverage limits, comprehensive coverage, and reliability make up for the extra $10 to $20 per month.

Total term coverage of up to $50,000 and up to $5,000 per appliance or system is one of the highest in the home warranty industry. Other providers cap this amount at $2,000 per appliance or system, which is not enough to pay for replacement costs. But with AHS, you won’t have to pay any more out-of-pocket costs and save money on each repair.

Liberty Home Guard: Great for affordable add-ons

  • Monthly cost: $55 – $65
  • Service fee: $70
  • Upper limit of coverage: Up to $2,000 per system or appliance

Liberty Home Guard (LHG) is well known for its robust list of customization options with over 40 appliances, services, and systems in its catalog. Most of these add-ons cost between $3 and $10, so you can customize your plan to fit your home at an affordable price. That makes it ideal for homeowners who need high-end appliances, multiple units, and home services like pest control.

Liberty Home Guard may offer rates above the industry average of $43 per month, but that increase means service calls cost $70, up to $30 less than what LHG’s competitors offer.

Home Warranty Choices: Best for Basic Home Warranty Plans

  • Monthly cost: $44 – $47
  • Service fee: 100 dollars
  • Upper limit of coverage: Up to $3,000 per system or appliance

Select Home Warranty offers inexpensive combination plans that cover both systems and appliances. These plans start at $47, which is a steal considering competitors offer combo plans in the $60 range.

If you don’t need all the bells and whistles (that is, your home comes with standard appliances and systems), Select’s Home Warranty Plan is all you need. With this provider, you won’t have to pay for coverage you don’t need, which is definitely a perk if budget is your top priority.

Cinch Home Services: Perfect for guaranteed workmanship

Get a free quote from Cinch Home Services

  • Monthly cost: $22 – $59
  • Service fee: $150
  • Upper limit of coverage: up to $10,000

Cinch Home Services offers a 180-day quality guarantee. This means that if your appliance or system fails again after a covered repair, Cinch will pay for the repair.

Cinch’s pricing is competitive, with the most basic plan starting at $22 per month. While this seems like a good deal, you’ll be paying a hefty $150 service call fee. This is twice the rate offered by other providers.

Super Home Guarantee: Perfect for Technology Forward Services

Click here for a free quote on Super Home Guarantee

  • Monthly cost: $52 – $116
  • Service fee: $75
  • Upper limit of coverage: The system is unlimited. up to $10,000

Super Home Warranty is another provider with a higher monthly fee, but the value you get from the warranty is worth the higher price. We are the only provider that offers unlimited coverage on systems and up to $10,000 on appliances. Super’s service fee is as low as $75, making it an even better deal.

We love Super’s easy claims process. All you need to do is submit your application through the app and Super will take it from there.

Factors that affect home warranty costs

Most home warranty providers offer similar rates, but getting a good deal depends on the specifics of your plan. The biggest factors in home warranty pricing are:

  • Service call fee: The lower the service call charges, the higher the monthly charges. You pay a service fee each time you make a claim. These fees range from $60 to more than $150 per visit, with lower rates costing you a higher monthly fee.
  • Upper limit of coverage: The higher the coverage limit, the less you will have to pay out of pocket for repairs. Home warranty providers only allow you to pay a certain amount per contract term. If your coverage limit is $10,000 or more, you may be more likely to be covered for the entire cost of repairing your appliance than if your coverage limit is $2,000.
  • Targeted systems and appliances: The more systems and appliances your plan includes, the more expensive it will be. Combination plans tend to be more expensive than system or appliance-only plans.
  • position: The price of a home warranty matches the cost of home repairs in your area, so monthly payments tend to be higher in large cities than in small rural areas.

How much money can I save with a home warranty?

While the monthly fee is somewhat important, it is not the main factor in determining how much money you can save with a home warranty.

“Average costs range from a few hundred dollars a year plus service fees. What constitutes a ‘good deal’ has less to do with price and more to do with clear coverage terms, reasonable service call fees, and qualified contractors,” says Sean Malloy, founder and managing partner of the Malloy Law Firm, which regularly handles real estate litigation.

When you call a home repair company, you typically pay a service call fee (even if you don’t have a home warranty). A home warranty contract standardizes that rate and provides funds to complete repairs.

The amount you save with a home warranty depends on your monthly payments, service fees, covered items, and repair or replacement costs. Home warranty providers with higher coverage limits, like American Home Shield, will ultimately provide more value to your plan than providers with limited coverage limits because they’ll pay you more for repairs or cover the entire cost.

If your refrigerator breaks down, the difference between a $45 plan and a $60 plan is negligible, and only the more expensive plan has enough coverage limits to replace it completely.

How to save money with a home warranty

These cost-saving tips will help you find the most favorable terms on your home warranty.

  • Get at least three quotes. Comparing quotes is the best way to ensure a good deal. We recommend checking the rates of at least three different home warranty providers in your area and choosing the plan that best suits your needs.
  • Take advantage of seasonal deals: Home warranty companies almost always have some sort of promotional deal for new customers. Whether it’s Black Friday sales or spring price cuts, you can save money with these promotions.
  • Look for group-specific discounts. Some home warranty companies, such as American Home Shield, offer discounts for veterans, AAA members, and others.
  • Don’t pay for appliances or systems you don’t need. Choose your home warranty plan based on the systems and appliances you need coverage for, and don’t pay for coverage you’re unlikely to use. For example, if you have a new appliance, a combination plan may not make sense.
  • Limit add-ons. Each add-on costs an average of $3 to $8, but it can add up quickly. Select only the add-on appliances and systems you need.

FAQ

How much does a home warranty cost?

The average monthly cost of a home warranty is between $43 and $67. This cost varies depending on your plan type, deductible, add-ons, and location.

Is it worth buying a home warranty?

If you don’t have an emergency savings fund for home repairs, it’s worth getting a home warranty. You also get the value of a home warranty if you anticipate needing one. This means if you have an older home or aging appliances, you’re more likely to get the most out of your home warranty.

Which is better: American Home Shield or Select Home Warranty?

American Home Shield ranks #2 on our list of best home warranty companies due to its comprehensive plans, high coverage limits and benefits. Select Home Warranty is more affordable than AHS, but its plan only covers the basics. If you want broad coverage, American Home Shield is a better choice, but if you want an affordable price, choose Select HomeWarranty.

AARP details worsening national home health care crisis

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AARP said in a March 12 report that the cost of providing home care and assisted living for seniors and people with disabilities has skyrocketed over the past five years, putting a strain on middle-class families struggling to pay their bills.

The AARP report found that costs for the most common types of long-term services (home care and assisted living services) jumped nearly 50% from 2019 to 2024, far outpacing the median income growth rate of 22% for older households.

The cost of other long-term services has also increased faster than the income of households that have to pay for this care without public assistance. According to AARP, the cost of adult day services jumped 33% and nursing home care costs increased by up to 25%.

The report details the rising costs of “long-term services and support.” This is a broad category that describes supportive care, such as feeding, bathing, and dressing, that people may need due to aging, illness, or disability. The authors said the report highlights that millions of families face an affordability crisis as the cost of services for older adults and people with disabilities exceeds what families can afford.

“When this happens, families are hit harder and pay a higher price than expected,” said Alan Weil, director of the AARP Public Policy Institute.

Families are not prepared to pay for long-term care

According to the U.S. Department of Health and Human Services, more than half of adults who will turn 65 from 2021 to 2025 will require long-term care services during their lifetime.

But families are often unprepared to deal with the cost of caring for an older adult, Weil said.

A 2022 AARP survey found that nearly half of adults 50 and older incorrectly believed that Medicare, the federal health insurance program for adults 65 and older, covered nursing home care or in-home care with a home health aide.

Medicare does not cover such costs, but Medicaid, the federal-state health care program for low-income families, pays for nursing home care for millions of low-income adults.

But for middle-income families who don’t qualify for Medicaid, costs can rise quickly. According to AARP, in 2020, about 1 in 7 seniors had out-of-pocket costs of more than $100,000.

For families who cannot afford a home health assistant, the burden of providing care often falls on unpaid caregivers. These caregivers, many of them family members, contributed approximately $600 billion to caregiving in 2021, according to AARP.

Why have nursing care costs soared in the last 10 years?

The five-year spike in costs studied by AARP followed a decade of more modest increases in long-term care costs.

State and federal governments have significantly expanded Medicaid support for long-term care services during the coronavirus pandemic, according to long-term care experts not affiliated with AARP.

The public support was aimed at addressing a shortage of workers in nursing homes and home care settings during the worst of the coronavirus pandemic. Another factor is that higher minimum wages have increased spending for low-wage workers such as nursing home employees and home health aides.

Mark Cohen, a professor of gerontology at the University of Massachusetts Boston and co-director of the LeadingAge LTSS Center, said more generous Medicaid payments will decline as the pandemic ends, while the Trump administration’s immigration crackdown is straining nursing homes and home health agencies that rely on immigrant labor.

“The people who care for our most vulnerable citizens are being shut out of the system,” Cohen said.

Cohen said rising costs for nursing homes and home health aides often fall disproportionately on people who pay for their own care. That’s because Medicaid often reimburses health care costs at lower rates, and providers seek to offset lower public payments by passing costs on to consumers who pay out-of-pocket.

Mr Cohen said it would put economic strain on middle-class families. Some states, such as California, are considering how to help families who earn too much to qualify for Medicaid but not enough to cover the rising cost of living and long-term care.

“If they ever need long-term care, they’ll be going up the creek without a paddle,” Cohen said. “Pressures on family support systems are increasing.”

Family reaches ‘breaking point’

According to AARP, the average annual cost of long-term care ranges from $26,000 for adult day services to more than $127,000 for private nursing homes.

For seniors living with an average annual Social Security benefit of $23,700 and an average annual household income of nearly $60,000, these costs can be difficult to manage.

The report also shows that the cost of services varies widely by state. Home Health Assistance Services range from $34,320 in Louisiana to $68,640 in South Dakota.

Affordability is also assessed in this report, taking into account the cost of services and average household income. By this measure, home health aids are the most affordable in Maryland and the most affordable in Maine.

Weil said the report aims to detail how home-based long-term care services are becoming less affordable as costs rise.

He called this a “breaking point” for families and caregivers.

“It is precisely this crisis that this report shines a light on,” Weil said. “And I think we have to be honest that part of the breaking point is that people are going to live without services.”

Senate passes major housing reform bill with bipartisan support

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The bill would ban large institutional investors from competing with traditional home buyers and could face opposition from conservatives in the House.

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WASHINGTON – The Senate overwhelmingly passed a bipartisan housing reform bill on March 12, as both parties look to focus on affordability issues ahead of the midterm elections.

The bill, part of an effort to lower housing costs for ordinary Americans, would largely prohibit large institutional investors from competing with traditional buyers for existing single-family homes, something President Donald Trump made a priority in his recent State of the Union address.

Among other things, it would reduce regulatory barriers to construction and encourage the production of affordable housing by creating and providing subsidies to local governments and tribes.

The bill represents a rare area of ​​largely bipartisan unity on Capitol Hill, having been authored by Sens. Tim Scott (R-S.C.) and Elizabeth Warren (D-Mass.) (a rare conservative-progressive partnership).

The bill passed 89-10.

The bill is supported by the White House, but its fate in the House is currently uncertain, given conservative opposition to digital currency provisions and the lack of universal support among House Republicans. Still, the House passed a different version of the same bill last month with support from 390 members.

Scott said in an interview on CNBC’s “Squawk Box” on March 11 that he believes the bill will eventually pass the House.

“I think we gave it the sweetener it needed,” he said.

Senate Majority Leader John Thune (R-South Dakota) told reporters before the vote that further study may be needed to bring the bill closer to the House version, but that “the quickest way to get this done” would be to approve the Senate-passed version.

In a March 2 policy statement, the White House indicated to President Trump that he intends to sign the Senate version of the bill if it passes both chambers.

“This landmark bipartisan bill represents a significant step forward in federal housing policy to advance the goals of expanding housing supply and affordability,” the statement said. “This bill would reduce housing costs for families, seniors, and veterans across the country by streamlining regulations, modernizing financing options, and promoting innovative construction methods.”

But in a speech at a policy camp for House Republicans in Florida this week, the president appeared to contradict his own position, saying everyday Americans “don’t talk about housing.” He argued that the voting restriction bill, known as the SAVE America Act, should be given higher priority in Congress.

Looking ahead to a potentially painful midyear, President Trump has vowed not to sign any legislation (other than funding the Department of Homeland Security) until Congress approves the SAVE Act. The bill, in its current form, is not expected to pass the 60-vote threshold in the Senate and is expected to be voted on next week.

Even if the president does not specifically sign the bill, it could become law automatically after 10 days unless it is vetoed.

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

Kelly Clarkson didn’t get money or a car after winning ‘American Idol’

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During an episode of “The Kelly Clarkson Show,” the TV host revealed that she never received a $1 million check or a car that she was promised after her win on season 1 of “American Idol.”

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Kelly Clarkson is still waiting for her “American Idol” award after nearly 25 years.

On Tuesday, March 10’s episode of “The Kelly Clarkson Show,” the TV host revealed that she never received the $1 million check or the car she was promised after winning season 1 of the reality singing competition series.

The revelation comes after “The Traitors” star Rob Rausch said he has yet to receive his $220,800 prize after recently winning Season 4 of the murder mystery game.

“The thing that really resonates with me about this is that whenever I won, you probably weren’t even alive when I was on ‘American Idol,’ but I was literally on the show and they were like, ‘Oh, you won a million dollars or something.'” No, they didn’t. They were lying,” Clarkson told Rausch and fellow guest Daniel Radcliffe.

In this series, in exchange for receiving a check for $1 million, he gave her “an investment worth $1 million in you.”

The Texas native then called out the show for providing both Season 2 runner-up Clay Aiken and his mother’s car. So she playfully warned Rausch that he might not be able to see the check. “But guess what? I hope I have enough time for TV,” she said.

USA TODAY has reached out to the production company of “American Idol” for comment.

How old is Kelly Clarkson who appeared on “American Idol”?

Clarkson, 43, was 20 years old when she starred on the first season of “American Idol” on September 4, 2002.

The talented singer wowed judges Simon Cowell, Paula Abdul and Randy Jackson with her rendition of Etta James’ ‘At Last’ and proved to be a formidable competitor throughout the season. She won the finale night with her performance of Aretha Franklin’s “Respect” and her original songs “A Moment Like This” and “Before Your Love.”

After this series, she rose to stardom with many songs hitting the Billboard Hot 100, including No. 1 hits like “Since You Been Gone” and “Stronger (What Doesn’t Kill You).” She has won three Grammy Awards and has a star on the Hollywood Walk of Fame.

She stayed true to her television roots, coaching on “The Voice” for 10 seasons, winning four different seasons, and launching daytime talk series “The Kelly Clarkson Show” in 2019.

Contributor: KiMi Robinson, USA TODAY

Trump TACO meaning applied to Iran war by online critics

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  • The acronym TACO, which means “Trump Always Turns Out,” has resurfaced amid the ongoing conflict with Iran.
  • TACO was originally coined to describe an investor strategy related to President Trump’s 2025 tariff policy.
  • President Trump declared victory but did not give a specific end date for the military operation.

President Donald Trump’s statement that the Iran war will soon end has brought back the familiar jab “TACO” for Trump’s critics.

Last year, one columnist coined the term “taco trade” in response to President Trump’s frequent changes to tariffs, but that was just the beginning of an onslaught of taco-related jokes and AI-generated memes.

The United States and Israel attacked Iran on February 28 and continued their attacks for nearly two weeks. Meanwhile, Iran launched a counterattack against neighboring countries. President Trump and his administration have cited several reasons for why the United States got involved in the conflict, but even some members of Congress have questioned their purpose.

He initially expected the surgery to take four to five weeks, but later said it would be completed soon, although he did not provide a specific timeline. Some people online are claiming TACO again. What does that mean?

What does taco mean?

Financial Times columnist Robert Armstrong coined the term “TACO trade” in May 2025 to describe how some investors were expecting a market rebound amid repeated Trump tariffs.

This acronym stands for “Trump always chickens out.”

Armstrong described the TACO trade as a strategy by some investors to buy into a depressed market on the assumption that President Trump would rescind his tariff orders, and then assume the market would recover.

President Trump previously shot back at a reporter who asked him about the term, saying, “You ask such mean questions. That’s called negotiation.”

The Supreme Court ruled on February 20 that many of President Trump’s tariffs are illegal.

President Trump declares victory, no end date set for Iran

President Trump gave a speech in Hebron, Kentucky on March 11, boasting the name “Operation Epic Fury” before declaring American victory.

“We won. I’m telling you, we won,” he said. “I don’t like to say we won too quickly. We won. It was over in the first hour, but we won.”

President Trump initially said the military operation would last four to five weeks, but earlier this week he said it would end “soon,” if not by Monday.

“We don’t want to leave early, right? We have to get the job done,” Trump said at an event in Kentucky.

President Trump told Axios on March 11 that he will end it when he wants, but that it will be “soon” because there is “virtually nothing left to qualify.”

Kinsey Crowley is a Trump Connect reporter for the USA TODAY Network. Please contact KCrowley@usatodayco.com. follow her X (Twitter), blue sky and TikTok.

Active shooter dies at Old Dominion University, school says

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All classes at Old Dominion University in Virginia have been canceled after a gunman was “neutralized” nearby, authorities said.

Just before 10:49 a.m., a gunman opened fire in Constant Hall, injuring two people, university spokesperson Jonah Grinkewicz said. Campus police, the Norfolk Police Department and emergency personnel responded, and the shooter is now deceased, Grinkewicz said. The injured were taken to a local hospital.

Norfolk Police confirmed on social media that they were responding to an “active incident” at the school.

“Please avoid Constant Hall and the surrounding area where emergency personnel remain active,” school officials said in a warning sent to students. “Updates will be provided as soon as possible.”

Zachary Mulder told WGAL that he had just finished class at Constant Hall when the shooting occurred. He told the magazine that dozens of people rushed into the Webb Center where he was having coffee, “screaming ‘guns! guns!'”

“At that point, it was really fight or flight. I grabbed everything I could and just ran,” he said. “I’m honestly just happy to be alive and upset. I never imagined something like this would happen.”

Ben & Jerry’s announces Free Cone Day dates. Here’s what you need to know:

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There’s nothing sweeter than free Ben & Jerry’s.

Free Cone Day, a long-standing tradition at participating scoop shops around the world, is back again this year.

The Burlington, Vermont-based company has given out free ice cream to customers every year since 1979, a year after Ben & Jerry’s was founded.

According to the company, “What began as a simple thank you to the Burlington community has grown into a global celebration spanning 13 countries and remains our favorite unofficial holiday of the year.”

The American ice cream chain will celebrate the “biggest Ben & Jerry’s day of the year” on Tuesday, April 14, by offering free scoops “all day long.”

“…we aim to break our own free cone record (1 million!) by giving away at least 1,000,000 cones!” Ben & Jerry’s said in a statement. “From Burlington to Brighton, Mallorca to Montreal, fans can line up for their favorite chunky, swirled flavors. And of course, they can return to the line as often as they like.”

Here’s what you need to know about Ben & Jerry’s Free Cone Day.

When is Ben & Jerry’s Free Cone Day?

This year’s Free Cone Day is scheduled for Tuesday, April 14th.

What can I get on Free Corn Day?

Customers can redeem a free Ben & Jerry’s scoop of their choice, including a cone, At participating Ben & Jerry’s Scoop Shops on Free Cone Day.

Gold price decreased by 0.67% on March 12, 2026

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How much is gold per ounce today?

According to the latest market data, the spot price of gold was $5,182.5 per ounce as of March 12, 2026 at 8:15 AM ET. This is down 0.67% and $34.99 from yesterday’s closing price of $5,217.49.

A year ago, gold was trading at $2,914.5 per ounce. This means the price has increased by 77.82% over the past 12 months.

Key levels to focus on

52 week low: $2,938.15

52 week high: $5,477.79

Gold is trading 5.39% below its 52-week high. It is 76.39% above its 52-week low.

What is the historical price of gold?

today yesterday 1 week ago 1 month ago 1 year ago
$5,182.5 $5,217.49 $5,181 $5,032.38 $2,914.5

A week ago, gold was trading at $5,181 per ounce. This was an increase of 0.03% compared to one week ago.

A month ago, gold was trading at $5,032.38 per ounce. The price increased by 2.98% 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. Currency strength, especially the US dollar, and physical and industrial demand can also affect daily prices. For more on the market, read the latest investment news on USA TODAY Money.

What is XAU/USD?

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

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

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

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

how to invest in gold

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

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.

All recommendations are independently selected by our team of savvy editors. When you buy through our links, USA TODAY Network may earn a commission. Prices are accurate at the time of publication but are subject to change.

Trump administration launches trade investigation to justify potential new tariffs

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The investigation by U.S. Trade Representative Jamison Greer could allow President Trump to replace the emergency tariffs that the Supreme Court struck down as unauthorized in February.

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WASHINGTON – The Trump administration has launched an investigation into alleged unfair trade practices among trading partners around the world, with a view to potentially imposing tariffs to replace emergency tariffs handed down by the Supreme Court.

U.S. Trade Representative Jamison Greer announced an investigation into allegations of overproduction of goods in China, Mexico, and Europe, saying, “The United States will no longer sacrifice its industrial base to other countries that may be exporting their overcapacity and overproduction problems to the United States.”

The investigation is one way President Donald Trump continues to collect tariffs. President Trump has argued that tariffs are critical to the country to raise money for the government and that he is threatening to impose them as a way to pressure countries to enter into trade deals and companies to make products in the United States.

The countries covered by these studies are China, Mexico, the European Union, Singapore, Switzerland, Norway, Indonesia, Malaysia, Cambodia, Thailand, South Korea, Vietnam, Taiwan, Bangladesh, Japan, and India.

Greer said U.S. manufacturing faces challenges because trading partners are producing more than they can consume domestically.

“This overcapacity will displace existing U.S. domestic production or prevent investment and expansion of U.S. manufacturing production that would otherwise be brought online,” Greer said.

Public comments on the investigation are due by April 15th, and the agency will hold a public hearing starting May 5th.

The Supreme Court ruled on February 20 that President Trump did not have the authority to impose tariffs under the International Emergency Economic Powers Act of 1977, which he ordered in April 2025. President Trump said he regretted the decision, but said he could consider other ways to impose tariffs.

The high court’s ruling leaves a $3 trillion hole in government finances over the next 10 years due to expected import recalls and debt service cuts, according to the nonpartisan Congressional Budget Office.

Thousands of companies are suing for refunds after paying fraudulent duties. The U.S. Court of International Trade is considering how to administer an estimated $166 billion in refunds from about 330,000 importers. “This process requires minimal submissions from the importer,” Brandon Lord of Customs and Border Protection told the court.

However, other laws that allow Trump to impose tariffs similar to those on steel and aluminum were not affected by the decision.

Shortly after this decision, President Trump imposed a 10% tariff worldwide under the Trade Act of 1974. But such tariffs would last only 150 days, unless Congress votes to extend the policy.

The Department of Commerce may also launch an investigation into the tariffs.

Another tariff option falls under another section of the trade law, which the administration announced it would pursue on March 11. The law authorizes President Trump to impose tariffs after the U.S. Trade Representative investigates allegations of unfair trade practices.

Another way President Trump could impose tariffs would be under the Trade Expansion Act of 1962, if the Commerce Department conducts an investigation and determines that the trade could harm national security.

Psychiatrists say big changes could be coming to mental health diagnoses

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Amanda Miller developed depression while pregnant with her second child at age 30 in Hershey, Pennsylvania. After giving birth, her depression worsened. In addition, many unexplained health problems arose.

Miller, a neuroscientist, said she has seen several psychiatrists and been prescribed one drug after another. Over the course of two years, she tried four antidepressants and two antipsychotics. None of that helped until her doctor noticed high levels of autoimmune markers in her blood.

Experts then ran “every test in the book,” Miller said. Eventually, she was diagnosed with the autoimmune disease lupus and prescribed steroids to reduce inflammation. Some of her symptoms subsided within hours. Her depression quickly subsided.

“I was convinced it was a placebo effect,” Miller said. “But the effects continued after that.”

Was inflammation contributing to her mental health issues all along? Miller thinks so, but she doesn’t know for sure. Her psychiatrist never raised that possibility, she said.

In most practices, your doctor can confirm whether you should receive some kind of treatment through tests such as blood tests, imaging tests, or biopsies. However, mental illnesses have historically been diagnosed and treated based on outward symptoms. That may change.

In a January paper, the American Psychiatric Association included ideas for how biomarkers – biological indicators of mental illness that may show up on diagnostic tests – could be incorporated into future editions of the Diagnostic and Statistical Manual of Mental Disorders.

The DSM, sometimes referred to as the “Bible of psychiatry” because of its influence in the field, provides diagnostic criteria. It is used by clinicians to evaluate patients and by insurance companies to determine whether to cover treatment.

‘Coordinated’ research needed

Psychiatric biomarkers are not yet ready for widespread use, the paper emphasizes. Scientists have been studying this topic for decades, but there has been little to show for it. The APA paper says more research is needed to prove these metrics are valid and reliable enough to be used in patient care, and other researchers say they have raised questions about how their use could impact health care costs, insurance coverage, and patient privacy.

Adding biomarkers to the DSM “would be a huge deal,” said Jonathan Alpert, author of the January paper and vice chair of APA’s Future DSM Strategy Committee.

Access to test results along with symptoms could streamline insurance coverage decisions and allow clinicians to make faster and more accurate diagnoses and treatment recommendations, he said. If a patient’s biological results suggest that they will respond better to one treatment than another, doctors can start there right away.

Matthew Eisenberg, director of the Center for Mental Health and Addiction Policy at the Johns Hopkins Bloomberg School of Public Health, said prescribing psychiatric drugs can be “a little tricky” right now, and clinicians can’t predict whether a drug will work for a particular patient.

In a seminal trial in the early 2000s funded by the National Institute of Mental Health, about 30% of study participants with depression had symptoms disappear after initial antidepressant treatment. The study remains one of the most powerful trials of antidepressants, but researchers have recently argued that fewer people are cured by these drugs than the results suggest.

This trial-and-error approach can lead to ineffective and unnecessary prescribing, and has been the subject of attack by supporters of the “Make America Healthy Again” movement led by Secretary of Health and Human Services Robert F. Kennedy Jr. Kennedy has been particularly critical of antidepressants, linking them to violence after mass shootings without evidence and accusing doctors of overprescribing drugs to children.

HHS spokeswoman Emily Hilliard said in a statement that HHS analyzes trends in psychiatric diagnosis and prescribing and evaluates alternative mental health treatment approaches with a particular focus on children. Mr. Hilliard did not respond to questions about Mr. Kennedy’s previous comments.

Biomarkers are already used to guide treatment in other medical fields, such as oncology. Arizona, Georgia, Kentucky, Texas and more than a dozen other states require insurance companies to pay for these tests. Blood tests and imaging tests are now also used to diagnose Alzheimer’s disease.

In its paper, APA highlights a variety of ways in which psychiatric biomarkers could be used in the future, including testing for brain activity, genetic profiles, and immune markers associated with specific mental illnesses, such as schizophrenia and substance use disorders.

For example, in depression, about a quarter of patients have elevated levels of an inflammatory protein called C-reactive protein, which can be detected with blood tests. Research shows that people with high levels of this protein respond better to drugs that change dopamine levels in the brain, rather than using only selective serotonin reuptake inhibitors (SSRIs), a common type of antidepressant. The APA paper says C-reactive protein still needs to be “robustly validated” as a biomarker, but it is one of the most promising proteins currently being studied.

Achieving such validation requires a “coordinated and well-funded” research effort, APA writes, but the outlook is murky since the Trump administration cut research funding.

At least 128 grants worth about $173 million will be terminated at the National Institute of Mental Health alone in 2025, according to a research letter published in JAMA. Although some grants have since been restored, researchers who rely on federal funding remain concerned that their research is vulnerable to cuts.

Alpert said that “continued and aggressive funding of mental health-related research is greatly needed,” but scientists will have to deal with “uncertainty in the funding landscape.”

Ripple effects on coverage and costs

Patients with poorly controlled mental illnesses tend to have higher medical costs due to the costs of hospital visits, outpatient appointments, and prescriptions. Some studies suggest that biomarker testing may save money by finding the right treatment faster and avoiding some of these costs.

One modeling study estimates that Canada’s health-care system could save $956 million over 20 years if testing for genetic factors that can influence drug effectiveness was performed on adults with major depression in British Columbia. Another study by Spanish researchers found that such testing reduced costs for most of 188 participants with severe mental illness.

It is unclear whether the same is true for the U.S. health care system. Johns Hopkins University’s Dr. Eisenberg said that biomarker-based approaches could increase health care costs in the short term due to testing costs.

He added that insurance companies may refuse to cover expensive biomarker tests. “It takes time for new science to be proven to be safe and effective,” Eisenberg said. “And once that happens, the insurance company won’t immediately cover you.”

Some researchers have expressed concern that insurance companies and employers may discriminate against people whose biological profile suggests they are at risk for developing serious neuropsychiatric disorders.

Gabriel Lázaro Muñoz, a member of Harvard Medical School’s Center for Bioethics, said it is a “critical time” to consider legal approaches to protect patients and train clinicians on how to properly use these tools.

“I don’t think the field of psychiatry is ready to deal with this situation at this point,” he says.

Andrew Miller, a professor of psychiatry and behavioral sciences at Emory University School of Medicine who studies inflammation-related depression, said the mental health system is not ready to “jump in with both feet.” But APA’s adoption of biomarkers marks “the beginning of a revolution,” he said.

“This is…a recognition that what we’ve been doing hasn’t been good enough,” Miller said. “And we can do better.”

KFF Health News is a national newsroom that produces in-depth journalism on health issues and is one of our core operating programs. KFF — An independent source for health policy research, polling, and journalism.

Silver price fell by 2.01% on March 12, 2026

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How much is silver worth per ounce today?

According to the latest market data, spot silver price was $87.21 per ounce as of March 12, 2026 at 8:15 AM ET. This is down 2.01% and $1.78 from yesterday’s closing price of $89.

One year ago, silver was trading at $32.85 per ounce. This means that the price has increased by 165.51% in the last 12 months.

Key levels to focus on

52 week low: $28.67

52 week high: $117.39

Silver is trading 25.71% below its 52-week high. It is 204.19% above its 52-week low.

What is the historical price of silver?

A week ago, silver was trading at $84.99 per ounce. This is an increase of 2.61% compared to one week ago.

One month ago, silver was trading at $81.77 per ounce. The price increased by 6.65% 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. Currency strength, especially the US dollar, and physical and industrial demand can also affect daily prices. 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.

All recommendations are independently selected by our team of savvy editors. When you buy through our links, USA TODAY Network may earn a commission. Prices are accurate at the time of publication but are subject to change.

Oil prices rise on Middle East tensions, Wall Street futures fall

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March 12 (Reuters) – U.S. stock index futures fell on Thursday as oil prices rose to around $100 a barrel, raising inflation concerns and causing traders to dial back hopes for a U.S. interest rate cut.

Oil prices soared after reports that two tankers were set ablaze in Iraqi waters after an apparent attack by Iran as part of a broader attack on oil and shipping facilities across the Middle East. Iran has warned that oil prices could soar to $200 per barrel.

S&P 500 airline stocks .SPLRCALI, which is sensitive to oil prices, is expected to suffer its biggest monthly loss in a year.

In premarket trading Thursday, American Airlines AAL.O and Southwest LUV.N each fell more than 1%, while cruise stocks Norwegian NCLH.N and Royal Caribbean RCL.N also fell.

Energy companies Occidental OXY.N and EQT Corporation EQT.N rose slightly.

Goldman Sachs has postponed its forecast for the Federal Reserve’s next interest rate cut from June to September. Traders are now fully pricing in just one quarter-point cut through December, according to money market futures, down from the two cuts expected before the dispute.

“The problem is that investors are increasingly pricing in disputes to be protracted and cause significant economic damage,” said a group of strategists led by Jim Reid at Deutsche Bank.

“Ultimately, with no concrete signs of easing tensions yet, oil prices remain high, increasing the risk of a broader stagflation shock.”

Global markets have been reeling this month as the U.S. and Israel’s war with Iran disrupted oil supplies, sending oil prices soaring and complicating the world’s central banks’ monetary easing plans.

As of 4:49 a.m. ET, the Dow E-mini YMcv1 was down 262 points, or 0.55%, and the S&P 500 E-mini EScv1 was down 29.75 points, or 0.44%. The Nasdaq 100E Mini NQcv1 fell 109.75 points (0.44%).

The CBOE Volatility Index .VIX, Wall Street’s fear gauge, rose 1.01 points to 25.24, while futures tracking the interest rate-sensitive Russell small-cap index RTYcv1 fell more than 1%.

Additionally, Washington announced in a lengthy cable it would launch two new trade investigations into overcapacity and forced labor in 16 of its major trading partners in an effort to rebuild tariff pressure after the Supreme Court struck down most of President Donald Trump’s tariff plans last month.

Investors are taking a hard look at the roughly $2 trillion private credit market after a series of credit problems that have surfaced in recent months, raising concerns about loan performance and borrowers’ ability to cope with rising interest rates.

Glendon Capital Management said private credit lenders such as Blue Owl OWL.N were obscuring weaknesses in its portfolio, the Financial Times reported.

Morgan Stanley on Wednesday restricted redemptions in one of its private credit funds, and JPMorgan Chase & Co. reduced the size of some loans to its private credit funds.

Blackstone BX.N shares fell 0.6%, while Blue Owl OWL.N fell 0.8%.

Bumble Inc BMBL.O soared 24% on Thursday after the dating app operator reported better-than-expected fourth-quarter revenue.

Ahead of Friday’s consumer spending report, the central bank’s preferred measure of inflation, investors will look at jobless claims and comments from Federal Reserve Vice Chair Michelle Bowman later in the day.

(Reporting by Medha Singh and Johan M. Cherian in Bangalore; Editing by Shelly Jacob Phillips and Maju Samuel)

Iran War, Tornado, DHS Shutdown, Paralympics, Taylor Swift, World Baseball Classic: Daily Briefing

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Welcome to the daily briefing. This morning’s breaking news is:

  • Abortion death penalty bill failed in the Tennessee General Assembly.
  • Why was Katherine Heigl at Mar-a-Lago?
  • America survives the World Baseball Classic.

nicole farato Here’s the news you need to know on Thursday. We start with what the Iran war has done to Americans, discuss the latest murder trial plaguing America, and explain how Paralympic wheelchair curling works.

Federal authorities warn California could be targeted by drones

Federal authorities have warned California law enforcement that the state could be a potential target for drone strikes related to the escalating war between Iran, the United States and Israel, but officials have stressed there is no confirmed or imminent threat.

Meanwhile, US lawmakers considered surprising financial estimates from the Pentagon as the Iran war worsens amid attacks on three ships in the crucial Strait of Hormuz. The first six days of the Iran war cost U.S. taxpayers at least $11.3 billion, according to Pentagon estimates reviewed by lawmakers. Meanwhile, average U.S. gasoline prices reached $3.59 per gallon on Wednesday.

More about Iran: The video shows what appears to be a US missile attack near an Iranian girls’ school.

More news you need to know right now

Milan Cortina 2026 Paralympics

How is wheelchair curling performed?

Wheelchair curling will make its fifth appearance at the 2026 Milan-Cortina Paralympic Games. Wheelchair curlers use delivery sticks to propel smooth 42-pound granite stones across the ice. Unlike in able-bodied curling, athletes do not skate on the ice. Instead, the wheelchair remains stationary during the throw.

health and wellness

She thought it was a stomach ache. I was 26 years old and had stage 3 rectal cancer.

Lauren Ver Steeg told USA TODAY that her friend had always had “stomach issues,” or what she described as typical tummy troubles or abdominal pain. She was 26 years old at the time. She shrugged it off. A friend recommended she see a specialist, who immediately ordered a colonoscopy. result? She had a malignant tumor in her rectum.

before going

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

The most popular spots on each cruise and when to avoid them

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Cruise experts reveal the best times to visit popular ship venues and avoid long lines and packed decks.

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With hundreds to thousands of guests on board, even the largest cruise ships can sometimes feel crowded.

Certain venues and activities are particularly popular and can result in hallway bottlenecks, lack of seating, and long lines. Travelers who braved the buffet at 9 a.m. would have had to avoid the crowded foot traffic to browse the offerings.

“Breakfast always feels hectic because everyone wakes up at different times,” said Alisa Myat, a travel vlogger who runs the YouTube channel EECC Travels with her husband Jason.

However, with a little more planning and flexibility, travelers can enjoy many of these spaces when they’re free. Here’s what you need to know:

buffet

The buffet can get crowded as soon as the cruise begins. “It definitely seems like everyone goes to the buffet on embarkation day,” Myatt said. “As soon as you get on the ship, you want to go get something to eat. The buffet is always full and it’s hard to find a seat.”

She said not all food and beverage outlets will be open for lunch while passengers are on board, but guests can typically dine in the main dining room instead. Depending on the ship, some specialty restaurants may also be open.

On other days, “peak dining times” tend to be busiest, such as noon for lunch and 6:30 or 7 p.m. for dinner. “If you can wait, if you’re a late eater like 1:30 or 2 o’clock, it’s definitely still open, but it’s not as busy,” Myatt said. Going to the buffet in the evening as soon as dinner service begins (often around 5pm) can also help passengers avoid the rush.

pool deck

Myatt said poolside loungers tend to move out “very quickly,” with some guests waking up early to secure a spot. As an alternative, she recommended finding a space on a remote sundeck.

“Often there’s an open upper deck with lots of lounge chairs,” she said. “You may not be able to see the pool, but if you don’t want to be in the pool, it’s much easier to have a lounge chair there.

The cruise line’s onboard concepts, such as MSC Cruises’ MSC Yacht Club, also offer private deck space. Some ships also have adult-only pools, which may be less crowded.

That said, Myatt has noticed cruise lines putting more effort into monitoring poolside loungers. “So if a chair has been vacant for a while and there’s just a towel or something on it, they’ll come and remove it,” she said. Passengers may find it worth checking periodically to see if seats are available.

Port days also tend to be quieter throughout the ship, making it an ideal time to spend poolside for guests who don’t mind staying on board. I did the same thing last year aboard Royal Caribbean International’s Explorer of the Seas, which stopped in Costa Rica, Mexico. Since I had been to the port before, I decided to stay on board and spent most of the day on my favorite lounger.

Vehicles and activities

On Port Day, enjoy short waits at popular attractions, from rock climbing walls to drop slides. Myatt suggested that when sailing, you typically arrive at the same time the attraction opens (hours of operation should be listed in the cruise line’s daily program or app).

Norwegian Cruise Line’s Norwegian Viva’s The Drop Freefall Slide was at the top of my to-do list during my November 2023 cruise, so I headed there one day as soon as it opened and became the first passenger.

Myatt noted that ships with fewer attractions may have longer lines than ships with a wider range of amenities. She recently sailed on Royal Caribbean’s Star of the Seas, which has a Category 6 water park, and “didn’t see any big lines, even on sea days…We have six (water) slides, so it’s great because it spreads out people.”

show

Myatt said early and late shows tend to be equally crowded on cruise ships (though late-night shows such as after-hours comedy may not be as crowded). However, passengers should generally be able to take a seat.

“If you don’t care where you sit, be sure to get there 10 minutes before the show starts and you’ll be seated,” she said. “It might not be the best seats, but you can get there 10 to 15 minutes early. But if you want a specific seat, get there 45 minutes before the doors open.”

When I arrived about 20 minutes early to see the Broadway-style “Disney Hercules” show aboard Disney Cruise Line’s Disney Destiny ship in November, the line was nearly halfway through the ship. However, since we arrived early, we were able to get a seat with plenty of time.

However, depending on demand, that period could be longer.

Boarding and disembarking

Myatt recommended finding an earlier or later boarding time to make the boarding process less rushed. Cruise lines typically notify guests via email or app that they can check in and choose from multiple arrival windows.

Most passengers tend to board between 11 a.m. and 1 p.m., so look for availability outside of those hours, she said. We arrived in Port Canaveral, Florida around 2pm to take a cruise in August, and the terminal was almost empty. It took about 10 minutes to pass the security check and board the ship.

The same goes for getting off the ship. “If you don’t want to wait in line, get up early,” she said. “Either you wake up, get ready and get off the ship, or you take the opposite approach. You’re sleeping.”

Guests typically have to leave their staterooms by around 8 a.m., but waiting until a little later allows you to disembark after many other guests have already eaten breakfast.

Boarding and disembarking the ship may be crowded at other times as well. Myatt noted that tender ports, where guests board small boats to travel to and from shore, could cause significant congestion.

“If tenders are involved, we recommend booking a tour. Cruise lines will give you priority off the ship because they don’t want you to miss a tour you booked through a cruise line,” she said. “So they usually set up a meeting point at a theater or something like that and send people off on excursions first.”

You’ll feel more relaxed if you book a tour that meets later in the day, after many of your other guests have departed on their adventures.

spa

Spas are often in high demand on sea days, so if you book on a port day, there will usually be more availability. “When it comes to thermal suites, we’re limited to the number of people who can purchase that pass per week,” Myatt said. “It usually doesn’t get too crowded at any point.”

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

Can I withdraw money from my 401(k) account? Why is it a risky move?

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More Americans are using their 401(k) retirement accounts as personal ATMs.

Last year, 6% of Vanguard retirement savers made difficult withdrawals from their 401(k) accounts, the highest amount ever. The needy share has increased dramatically in recent years, up from 1.7% in 2020.

Even among Fidelity’s retirement savers, withdrawals from those in need have increased rapidly.

Overall, American companies and their employees are doing a better job of saving for retirement. For example, 61% of Vanguard retirement plans now automatically enroll new employees in a 401(k), up from 54% in 2020. Automatic enrollment tends to increase your savings rate.

But the rise in withdrawals by those in need suggests that some retirement savers are financially vulnerable. That means living paycheck to paycheck and not having enough savings outside of retirement accounts for emergencies.

“It’s still a small number at 6%, but it’s worth noting,” said David Stinnett, director of strategic retirement consulting at Vanguard. He said the median hardship withdrawal in 2025 will total $1,900. The most common reason for withdrawal was to prevent foreclosure or eviction.

Tapping your 401(k) is now easier than ever

Federal law is increasingly allowing raids on Americans’ retirement accounts, which may be one reason for the rise in withdrawals among people living in poverty.

For example, starting in 2024, many retirement savers will be allowed to withdraw up to $1,000 a year for emergency expenses, allowing savers to define what counts as an emergency.

But these transactions come with costs, and financial experts say retirement savers should usually use the funds only as a last resort.

“When you raid your 401(k) for a quick cash grab, you’re essentially robbing your future self of benefits,” says Caleb Silver, editor-in-chief of Investopedia.

The point of a retirement account is to build up savings to get you through the years when you’re not working. The design of a 401(k) relies on compound interest. If you start saving young and invest in stocks and bonds, your savings can grow exponentially as your investments grow in value over time.

If you raid your retirement accounts too much, you could lose not only the money you withdraw, but also any potential future investment returns.

“Withdrawals early can prevent the long-term growth and compounding of your retirement savings, which you will need in the future in retirement,” said Katherine Collinson, CEO of the nonprofit Transamerica Retirement Research Center.

This is perhaps the biggest drawback of raiding retirement accounts. If you withdraw money before age 59 1/2, you generally have to pay a 10% IRS penalty on the amount, which is also taxed as income.

However, there are many exceptions to that rule. For example, hardship withdrawals won’t incur the 10% tax penalty if done properly. Many other life events and emergencies qualify you for early withdrawal from your 401(k) or IRA plan without penalty.

Here’s an overview:

401(k) Hardship Withdrawal

Some, but not all, 401(k) plans allow retirement savers to make difficult withdrawals without incurring tax penalties.

In recent years, rules regarding withdrawals for needy people have been relaxed. Starting in 2024, you’ll be able to cash out up to $1,000 for emergency needs.

Under the new rules, hardship withdrawals can only be made once a year. You won’t be able to earn any new money for three years unless you pay it back or make new contributions to cover the balance.

Older IRS rules allow hardship withdrawals of more than $1,000 for 401(k)s, but the rules are stricter.

Greater hardship distributions must meet “immediate and severe economic need” and must be limited to the amount “necessary” to meet that need.

Your employer will decide whether your needs are “urgent and serious.” Again, the IRS offers some guidance. Consumer purchases such as televisions and RVs generally do not qualify.

The IRS lists several scenarios that “automatically” qualify you for a hardship withdrawal.

  • Medical expenses for you, your spouse, or dependents
  • Costs associated with purchasing a home (excluding mortgage payments)
  • Secondary education costs for you, your spouse, or dependents for the following year
  • Payments to prevent eviction or foreclosure
  • Funeral expenses for you, your spouse, children, and dependents
  • Some costs to repair damage to your home

Eligible early withdrawal

Retirement savers are typically allowed to make early withdrawals from 401(k) accounts and IRAs without tax penalties in some scenarios that involve a mix of financial emergencies and life events.

The rules and limits for qualified early withdrawals are set by the IRS, not you or your employer. Here are some examples:

  • Birth or adoption expenses, $5,000 per child limit
  • Death or “total and permanent disability.” There are no restrictions.
  • Disaster Recovery, up to $22,000 for federally declared disasters.
  • education. Only IRA savers can withdraw funds to cover qualified higher education expenses
  • Medical expenses. Retirement savers can withdraw funds to cover unpaid expenses that exceed 7.5% of their adjusted gross income.
  • Purchase a house. IRA savers (only) can withdraw up to $10,000 to purchase their first home.

401(k) loan

With a 401(k) loan, you borrow money from your account and pay it back over time, with payments and interest credited directly to your account.

Depending on your plan’s rules, you may be allowed to borrow up to half of your account’s committed balance, up to a maximum of $50,000. If your confirmed balance is less than $10,000, you may be able to borrow up to $10,000.

Loans are typically repaid within five years and must be paid at least quarterly. If the loan is for a home, it may be for more than five years.

Fidelity reports that one of the benefits of a 401(k) loan is that you don’t pay taxes or penalties on the funds. Interest will be charged, but you will pay it yourself.

One downside is that if you quit your job, you may have to repay the loan quickly.

38 Buc-ee received an “F” rating from the Better Business Bureau. The reason is as follows

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A traveling beaver is not passing on his current report card.

Several Buc-ee locations on the Better Business Bureau’s website received an “F” rating from the nonprofit group after the Texas-based travel center failed to respond to 88 customer complaints. As of March 11, 38 Buc-ee stores in Alabama, Georgia, Kentucky, Tennessee, and Texas received negative ratings.

Similar to review sites like Yelp, anyone can submit a complaint about a business on the Better Business Bureau’s website. As of March 11, of the 88 unresolved Buc-ee complaints, the oldest unanswered complaint dates back to March 2023, and the most recent was filed in February 2026.

Common complaints about beaver-filled travel centers include problems with car washes, broken or invalid merchandise, and incorrect card charges. Several customers also said they filed complaints on Buc-ee’s website but received no response from the company.

Buc-ee’s did not respond to a request for comment regarding the “F” rating when contacted by USA TODAY on March 11.

How does a company receive an “F” rating from the BBB?

The Better Business Bureau assigns ratings on a scale of A+ to F. According to the Better Business Bureau’s website, ratings are based on information available to nonprofits about businesses, including public complaints.

“A BBB rating is not a guarantee of a company’s reliability or track record. BBB encourages consumers to consider a company’s BBB rating in addition to other available information about the company,” the group’s website says.

What is the Better Business Bureau (BBB)?

Founded in 1912, the Better Business Bureau (BBB) ​​is a nonprofit organization dedicated to providing transparency about business to the public. The BBB offers a paid certification program for businesses, allows consumers to leave public reviews and file formal complaints, and operates a letter grade rating system to help consumers better understand a company’s practices.

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

A Powerball jackpot worth $58 million will be drawn on Wednesday, March 11th.

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The Powerball jackpot has increased to $58 million with a cash value of $26.8 million ahead of the drawing on Wednesday, March 11th.

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

The top five states with the most recipients include Indiana, Missouri, Minnesota, Pennsylvania, and Wisconsin.

The most recent Powerball jackpot winner was on Monday, March 2, when a lucky player in Arkansas won a $251 million jackpot. Once winners receive their prize, they can choose to receive an annuitized payment or a lump sum of $118 million. At this time, no one has won the jackpot.

Here’s what you need to know about Picture Wednesday.

What are the winning Powerball numbers for March 11th?

Here are the winning numbers for the March 11 Powerball lottery. 3, 6, 55, 58, 63 and the powerball 12. The power play is 2x.

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

The short answer is “no.”

You do not need to be a US citizen or resident to play Powerball. Anyone visiting any of the 45 states, the District of Columbia, Puerto Rico, or the U.S. Virgin Islands may purchase lottery tickets from authorized and licensed retailers, regardless of nationality, as long as they meet the legal age requirements (usually 18 years old) at the time of purchase.

Top 10 Powerball Jackpots

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

How to play Powerball

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

In some states, you can purchase Powerball tickets online depending on your local jurisdiction.

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

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

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

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