Home Blog Page 367

MLK Jr. fought the kind of violence seen in Minneapolis

0


This Martin Luther King Jr. holiday, the nation mourns in the midst of continued violence. We talk about Dr. King as if he were settled history, not an unresolved indictment.

play

This Martin Luther King Jr. Day, the nation mourns as the violence continues uninterrupted. We talk about Dr. King as if he were settled history, not an unresolved indictment.

His name is invoked not to alarm but to reassure, to indicate moral inheritance rather than moral obligation. What I remember is not the pressure of his demands, but the comfort of his words. Memory is not considered a place of rest, but something that is used and engaged in the present. History shows that power does not weaken when left unchecked. That in itself is refined. Learn how to apologize without giving in. Learn how to tolerate exposure.

America has always been a country adept at violence. Founded by a revolution that sacralizes power as an origin story. What changes is not the violence itself, but its framework. Who is allowed to use it? Who is expected to endure it. And how quickly this country learned how to monitor without intervening. In Minneapolis, that fluency is palpable.

George Floyd was killed in broad daylight in 2020 under the knee of a police officer on a public road across state lines as strangers begged him to breathe. The killing was captured, disseminated, slowed, paused, replayed, absorbed into the bloodstream of the nation. Many believed this visualization marked a turning point. Witnessing it will force change. That’s enough to see. It wasn’t.

Cameras did not interfere with the killing. They documented it. The footage did not bring down the system. It fed it. Circulation replaced intervention. Anger replaced power. America has learned that it is possible to return to normalcy even after suffering repeatedly.

American rituals of violence resume in Minneapolis

In recent weeks, Minneapolis has once again been the scene of public murders. Renee Good was shot and killed by federal agents in public in a city where the shadow of Floyd’s death still lingers. The ceremony has resumed.

Renee Goode was not a black American. This fact is important because violence against black people has long been normalized and rarely remains confined to black people. State power tests its reach in areas where resistance has historically been neglected. For generations in this country, black life has served as a testing ground for that. What is practiced there becomes portable. What is justified there will expand outward. Black Americans understand this not as a theory, but as a heredity.

There was a time when America didn’t cover up public murders. Lynching was not an anomaly. It was a civil ceremony. A crowd gathered. Children were also present. The bodies were on display. Photographs were taken and distributed as evidence and warning. The violence was not spontaneous. It was instructive. The lesson was clear. Power can take lives in public and expect recognition or silence afterwards. Death was never the only goal. The purpose was for demonstration.

Public killings announced the hierarchy. It clarified who is subject to state protection and who is under it. The text is now a message delivered without objection. The rope is gone. The logic remains.

In the 1970s, Gil Scott-Heron warned that revolutions would not be televised.. He wasn’t talking about technology. He was talking about power. He understood that real change does not come as a spectacle. It cannot be consumed passively. It does not repeat on the loop. What America has done instead is reverse the warning. Acts of violence are televised. The murder will be broadcast on air. I can feel the pain. And seeing is mistaken for participating.

The memory of Martin Luther King Jr. must be cut off.

Today, the institutional term for public violence is “use of force.” “We have perceived a threat.” “Police-involved shooting.” “Internal review pending.”

Crowds were replaced by screens. The spectacle continues. Death is dissected, discussed, shared, monetized, and slowly normalized. Black suffering becomes satisfaction. Anger will be temporary. Memory becomes scrollable. This is what has changed and what hasn’t changed.

Martin Luther King Jr. was not a violent person. He was a disciplined practitioner of nonviolence in a violent nation. He believed that public moral restraint could expose the brutality of power. He believed that love stripped of sentimentality could destabilize injustice.

That’s why he was being watched. That’s why he was isolated. He was killed after opposing the Vietnam War and naming the United States as the world’s largest supplier of violence.

Opinion warning: Get columns from your favorite columnists and expert analysis on key issues delivered straight to your device through the USA TODAY app. If you don’t have the app, download it for free from the app store.

On January 6, 2021, the nation witnessed a different kind of violence unfold across the board. A white mob stormed the U.S. Capitol, assaulted police officers, threatened elected officials, and attempted to overturn a democratic election. I hesitated for hours to answer. The language was uncertain. Its meaning was discussed. This contrast was instructive.

The same states that responded to black protests with armored cars and mass arrests were also at pains to monitor and label attacks on their own positions of power as “insurrections.” “Riot.” “Protest failed.”

The definition has become distorted. Time was given. My understanding has deepened. America has learned once again how flexible its standards of violence can be.

The murder of George Floyd was a defining moment in American history. That’s why the promised calculations turned out to be very thin. The system only needed to absorb the shock. New training has been announced. A new phrase has been introduced. A monument, or rather a mural, was erected and people were able to paint on it. The deeper structure of permissions remained intact. Public lynchings begin to be shown on television. And America learned how to see.

If this Martin Luther King Jr. holiday is to have meaning beyond ritual, it must demand a rupture. It’s not a rhetorical break, but a structural break. Breaking away from the habit of continuing to create the same images, the same statements, and the same funerals.

If not, we’ll get together again. We march with signs. I would like to speak to you solemnly. I’ll keep scrolling. I will share it with you. And the violence will not be hidden, it will not be incidental, it will be fully visible, waiting for the next moment when America decides to monitor it again.

Dr. Imari K. Parris Jeffries, He is President and CEO of Embrace Boston, a national organization that promotes belonging as essential to a multiracial democracy.

Utilizing AI for credit unions, fintech, and financial services

0

Artificial intelligence is rapidly moving from a peripheral technology innovation to a structural element of modern financial services. Banking, payments, and wealth management subsectors, to name just three, are now incorporating AI into budgeting tools, fraud detection systems, KYC, AML, and customer engagement platforms. Credit unions are situated within this broader fintech transformation, facing similar technological pressures and operating under a distinct collaborative model built on trust, competitive market delivery, and community engagement.

Consumer behavior shows that AI is already part of everyday financial decision-making. Velera research shows that 55% of consumers use AI tools for financial planning and budgeting, and 42% are comfortable using AI to complete financial transactions. Adoption rates are highest among younger generations, with 80% of Gen Z and young Millennials using AI for financial planning, and a similar proportion say they feel “comfortable” with agent AI. These patterns reflect trends in the broader fintech space, where AI-driven personal finance tools and conversational interfaces are becoming more commonplace.

Credit unions in particular have a dual challenge. Member expectations are being shaped by the digital platforms and apps of leading fintech companies, and leading digital banks are implementing AI at scale. In the average union, internal preparedness remains limited. According to research from CUlytics, 42% of credit unions have implemented AI in specific areas of operations, but only 8% report using AI in multiple parts of their business. The gap between market expectations and organizational capabilities defines the current stage of AI implementation in the cooperative-based financial sector.

AI as an extension of the trust base in financial services

Unlike many fintech startups, credit unions benefit from high consumer trust. Velera reports that 85% of consumers consider credit unions a trusted source for financial advice, and 63% of CU members say they would attend AI-related education sessions if offered. These findings position credit unions to frame AI as an advisory tool that integrates into existing relationships.

In fintech, “explainable AI” and transparent digital finance have become mainstream forms of identity verification, and regulators are monitoring the technology closely. Regulators and consumers clearly expect transparency in how decisions are made by AI backends. Credit unions can capitalize on this promise by incorporating AI into education programs, fraud awareness, and financial literacy.

Where AI provides tangible value

Personalization is a key use case for AI. Machine learning models enable financial institutions to move beyond static customer segmentation through behavioral signals and life stage indicators. This approach is already common in other sectors and industries, including fintech lending and digital banking platforms. Credit unions can adopt similar techniques to customize offers, communications, and product recommendations.

Member services is another area that can have a big impact. According to CULytics, 58% of credit unions currently use chatbots or virtual assistants, which are the most adopted AI applications in the space. Cornerstone Advisors reports that adoption is accelerating more among credit unions than banks, using AI to respond to routine inquiries and maintain staff competency.

Fraud prevention is an emerging use case for AI in this space. Alloy reports a 92% net increase in AI fraud prevention investment in credit unions in 2025, compared to a lower priority in banks. As digital payments become more popular, AI-powered fraud detection will become important to balance security with a frictionless user experience. In this regard, credit unions face the same pressures as mainstream fintech payment providers and neobanks, where false rejections or delayed responses can directly undermine customer trust.

Operational efficiency and financing decisions will also be salient features. According to a study by Inclind and CULytics, AI is being applied to reconciliation, underwriting, and internal business analysis. Users report reduced manual workload and faster credit decisions. Cornerstone Advisors identified lending as the third most common AI function among credit unions, and believes it is closer to fintech lenders than traditional banks in this space.

Structural barriers to scaling AI

Despite clear use cases, scaling AI in credit unions remains challenging. Data readiness is the most frequently cited constraint. Cornerstone Advisors reports that only 11% of credit unions rate their data strategy as highly effective (almost a quarter consider it ineffective). Without accessible and well-managed data, AI systems cannot provide reliable results, regardless of the underlying sophistication of the LLM.

Reliability and explainability also limit the expansion of the technology. In a regulated financial environment, opaque “black box” models pose risks to financial institutions and, of course, require them to justify their decisions to their members. PYMNTS Intelligence highlights the importance of breaking down data silos and using shared intelligence models to improve transparency and auditability. Consortium-based approaches, like the one Velera uses with thousands of credit unions, reflect a trend in the financial sector toward pooled data.

Integration brings additional challenges. According to a CULytics study, 83% of credit unions cite integration with legacy systems as a barrier to AI, an issue familiar to many financial institutions. This is further exacerbated by limited in-house expertise in AI, again suggesting fintech partnerships, credit union servicing organizations (CUSOs) or externally managed platforms as ways to accelerate deployment.

From experiment to embedded practice

As AI becomes embedded in financial services, credit unions face a similar choice to those facing banks and the broader fintech sector: positioning AI as a foundational capability. Evidence suggests that progress depends on disciplined execution.

This means institutions prioritize high-trust, high-impact use cases that deliver tangible benefits and do not undermine members’ trust in trusted institutions. Strengthening data governance and accountability ensures that AI-assisted decision-making remains explainable and defensible. Partner-led integration can reduce technical complexity, while education and transparency can align AI adoption with the values ​​that underpin the collaborating organizations.

(Image source: “Credit Union Building” by Dano is licensed under CC BY 2.0.)

Want to learn more about AI and big data from industry leaders? Check out the AI ​​& Big Data Expo in Amsterdam, California, and London. This comprehensive event is part of TechEx and co-located with other major technology events. Click here for more information.

AI News is brought to you by TechForge Media. Learn about other upcoming enterprise technology events and webinars.

President Trump denies winning the Nobel Prize, says he wants Greenland: He is not thinking about “peace”

0


President Donald Trump said in a letter to Norwegian Prime Minister Jonas Gare Stoer that he no longer thinks “purely about peace” after losing out on the Nobel Peace Prize.

play

President Donald Trump sent a text message to Norwegian Prime Minister Jonas Gare Stoer on January 18 complaining about not winning the Nobel Peace Prize and saying he would no longer think “purely about peace” as a result. President Trump went on to claim that only “full and complete control of Greenland” by the United States can keep the world “safe.”

President Trump’s message was first reported by PBS journalist Nick Shiffrin in the X-Post and confirmed by Storer’s office to USA TODAY on January 19th. The Prime Minister’s Office also shared the message exchange between Store and Trump with USA TODAY.

President Trump’s text, sent at 4:15 p.m. Norwegian time, said: “Given the decision not to award me the Nobel Peace Prize for preventing eight wars plus, I no longer feel obligated to think purely about peace. Even though peace will always prevail, I can now think about what is good and appropriate for the United States of America.” (東部時間午前10時15分)

“I have done more for NATO than anyone else since its creation, and now NATO should do something for the United States. The world will not be safe unless we have full and complete control of Greenland,” he continued.

Trump’s message was in response to a text message sent less than 30 minutes later, at 3:48 p.m. local time, by Store on behalf of himself and Finnish President Alexander Stubb, urging Trump to “de-escalate” on “Greenland, Gaza, Ukraine and tariff announcements.”

“You know where we stand on these issues, but we believe that we should all work to quell this issue and de-escalate tensions. There is a lot going on around us that requires us to come together,” Store wrote. “I’m offering to call you later today. Please let me know what tips you’d like.”

Greenland is an autonomous territory within the Kingdom of Denmark. President Trump said the acquisition of the territory was essential to U.S. national security and “defending” the territory from Russia and China.

On January 17, Store pushed back against President Trump’s claim that the United States should control Greenland, saying:

“There is no threat between our allies. Norway’s position is firm. Greenland is part of the Kingdom of Denmark. Norway fully supports the sovereignty of the Kingdom of Denmark,” he wrote to X. “There is broad agreement within NATO about the need to strengthen security in the Arctic region, including Greenland.”

Meanwhile, President Trump announced on January 17 that he would impose a 10% tariff on all goods sent to the United States from Denmark, Norway, Sweden, France, Germany, the United Kingdom, the Netherlands, and Finland unless a “full and comprehensive purchase agreement for Greenland” is reached.

“Territorial integrity and sovereignty are fundamental principles of international law,” European Commission President Ursula von der Leyen and European Council President Antonio Costa said in a statement on January 17, adding that the EU “stands in full solidarity with the peoples of Denmark and Greenland.”

Sean McDermott fired by Buffalo Bills after losing to Broncos in playoffs

0

play

The Buffalo Bills will not use Sean McDermott.

The team fired its head coach for the past nine seasons after the team’s recent playoff failure, losing 33-30 in overtime to the Denver Broncos on Saturday, according to multiple reports.

McDermott finished his tenure with a record of 106-58, including the postseason. However, his team never reached the Super Bowl despite the presence of 2024 league MVP Josh Allen. Saturday’s loss in Denver followed a pattern of heartbreaking losses in the playoffs, including two losses in the AFC Championship Game against the Kansas City Chiefs.

Allen, who committed an uncharacteristic four turnovers and broke down in tears in Saturday’s loss, took the blame for the Bills’ recent playoff failure, but McDermott quickly came to his defense.

“(Allen) has no issues,” McDermott said. The team trailed 20-10 at halftime, but Allen came back and almost won within regulation.

“We had a chance, all of us. And I’m very proud of him. He’s a great human being, a great leader, a great quarterback.”

However, Coach McDermott also lamented the game’s officiating, including Allen’s controversial interception in overtime. It was a play that led the Broncos to try for the winning field goal.

“I’m standing up for Buffalo, damn it,” McDermott said after the game. “I’m standing up for us.

“Because what happened is not what should have happened. They played football there for three hours and put their guts into it, and they didn’t even say, ‘Hey, let’s slow this down a little bit.’ That’s why it bothers me.”

Allen picked up his eighth postseason win (Buffalo’s first away playoff win since 1992) in this year’s Wild Card Round, when the Bills narrowly defeated the Jaguars. This marks the most postseason wins for a quarterback who has never played in a Super Bowl.

A series of playoff heartbreaks defined the McDermott Allen era in Buffalo.

This season’s wild-card team, the New England Patriots, ended Buffalo’s five-year run atop the AFC East. The Bills have qualified for the playoffs in eight of McDermott’s nine seasons at the helm, the longest stretch of success for the franchise since they famously lost four straight Super Bowls in the early 1990s. The Bills have never won the Lombardi Trophy, winning it twice in 1964 and 1965. The Super Bowl was not held until after the 1966 season.

Aside from McDermott’s incredible regular season success in Western New York, another chapter from his stay should be remembered with gratitude. Buffalo’s Week 17 game of the 2022 season was called off in front of a nationally televised crowd on Monday night after safety Damar Hamlin suffered a cardiac arrest on the field at Peiko Stadium in Cincinnati.

Despite the shock to the team as they waited for news of Hamlin’s survival, McDermott worked through his emotions and finally got ready for the game six days later as the Bills defeated the Patriots 35-23, ending the regular season with a 13-3 record.

Ironically, McDermott was fired just one week after his former teammate at William & Mary, Mike Tomlin, resigned from the Pittsburgh Steelers after seven straight playoff losses.

Buffalo becomes the 10th team to change coaches during the current recruiting cycle. Only the New York Giants (John Harbaugh) and Atlanta Falcons (Kevin Stefanski) are already at capacity.

This story will be updated.

The cryptocurrency is expected to soar 55%, according to Standard Chartered.

0

After hitting a high of $126,000 last year. Bitcoin (Cryptocurrency: BTC) It experienced a significant decline as investors became concerned about the trajectory of the economy and interest rates, and Bitcoin whales with huge holdings began selling off. However, Bitcoin has shown resilience, especially amid rising geopolitical tensions.

According to Jeff Kendrick, expectations for the 2026 token have faded a bit, but there is still a lot of room for execution. standard charteredHead of Digital Asset Research. Kendrick believes the coin is a buy and could appreciate as much as 55% this year alone.

Bullish on Bitcoin, but not that much

Things can change very quickly in the world of cryptocurrencies. While new factors seem to be influencing cryptocurrencies all the time, cryptocurrencies are harder to value than traditional publicly traded stocks, primarily because they are not backed by companies that generate revenue and free cash flow, at least in the traditional sense.

Kendrick has long been bullish on Bitcoin, but in December he downgraded his outlook for the world’s largest token, cutting his 2026 price target from $300,000 to $150,000 per coin, which would imply an upside of about 55% from current levels (as of January 15). One of the reasons Kendrick lowered his price target is that he is more bearish on digital asset treasury companies, which essentially use the capital markets to borrow money and use it to buy Bitcoin.

Specifically, we believe that purchases by Bitcoin Digital Asset Treasury (DAT) are likely over, as valuations…no longer support Bitcoin DAT’s expansion. We expect a consolidation rather than a sell-off, but DAT buying is unlikely to provide further support.

DAT started with Michael Saylor. strategy (formerly known as MicroStrategy) used its own funds to buy Bitcoin in 2020 and eventually gained enough confidence that it began using the capital markets to raise cash to buy even more Bitcoin. This strategy was very successful and led to a significant increase in the stock price. However, the Bitcoin treasury company’s stock was trading at a huge premium compared to the amount of Bitcoin it actually owns, leaving many analysts questioning its valuation.

Why buy a stock trading at such a high premium to its net asset value when you could just buy Bitcoin itself?Since the middle of last year, Strategy stocks have been in free fall. A drop in valuation could also hamper DAT’s ability to raise funds to purchase Bitcoin.

However, Kendrick still sees room for upside from spot Bitcoin exchange traded funds (ETFs). After all, ETFs make it easier for more institutions to invest in cryptocurrencies and reflect the Trump administration’s pro-crypto stance, especially with the passage of several bills and the issuance of executive orders that alleviate investors’ regulatory concerns.

Many believe that because Bitcoin is a type of digital gold, it protects against inflation and acts as a haven in times of turmoil. Bitcoin has not always traded this way, but it has performed well since the ouster of Venezuelan President Nicolas Maduro and the US Department of Justice’s subpoena to the Federal Reserve. Bitcoin has essentially been tracking the price of gold for the past month.

Will Bitcoin be able to perform well this year?

Although the environment is not as bullish for cryptocurrencies as it was at the beginning of last year, I think Bitcoin can still perform well given geopolitical tensions in the US and the debt crisis not going away anytime soon. Bitcoin is the cryptocurrency I trust the most because it has proven to be resilient to significant declines.

As I mentioned earlier, investors can own Bitcoin, and I think this could be a unique form of diversification in a multi-asset portfolio. Obviously, target prices for a sector as risky as cryptocurrencies are difficult to predict, but by holding Bitcoin for the long term, investors have a better chance of generating good returns.

Bram Berkowitz has a position in Bitcoin. The Motley Fool has a position in and recommends Bitcoin. The Motley Fool recommends Standard Chartered Plc. 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.

Should you buy Bitcoin stock now?

Offers from the Motley Fool: Before buying Bitcoin stocks, consider the following:

of Motley Fool Stock Advisor Our analyst team has identified what they believe Best 10 stocks Things investors can buy right now…and Bitcoin wasn’t one of them. These 10 stocks have the potential to generate impressive returns over the next few years.

when to think about it Netflix This list was created on December 17, 2004…if you invested $1,000 at the time of recommendation. That’s $474,578!* or when Nvidia This list was created on April 15, 2005…if you invested $1,000 at the time of recommendation. you have $1,141,628!*

Now, the important thing to note is that stock advisor Total average return is 955% — compared to the S&P 500’s 196%, a market-beating outperformance. Don’t miss our latest Top 10 list. stock advisorjoin an investing community built by retail investors, for retail investors.

See 10 stocks »

*Stock Advisor will return on January 19, 2026.

JPMorgan Chase treats AI investments as core infrastructure

0

Within large banks, artificial intelligence has moved into a category once reserved for payment systems, data centers, and core risk management. At JPMorgan Chase, AI is positioned as infrastructure that banks cannot afford to ignore.

That position was made clear in recent comments from CEO Jamie Dimon, who defended the bank’s increased technology budget and warned that institutions that lag behind in AI risk losing ground to competitors. This discussion was not about replacing talent, but about continuing to function in an industry where speed, scale, and cost discipline are critical every day.

JPMorgan has invested heavily in technology for years, but AI has changed its spending habits. What was once part of an innovation project is now rolled into a bank’s basic operating costs. This includes internal AI tools that support research, documentation, internal reviews, and other day-to-day operations within your organization.

From experiments to infrastructure

This change in language reflects a deeper shift in how banks view risk. AI is considered a necessary part of the system to keep up with competitors automating internal tasks.

JPMorgan has focused on building and managing its own internal platform, rather than encouraging employees to rely on public AI systems. The decision reflects the banking community’s longstanding concerns about data breaches, customer confidentiality, and regulatory oversight.

Banks operate in an environment where mistakes can be costly. Systems that touch sensitive data or influence choices must be auditable and accountable. That becomes difficult with public AI tools that are trained on datasets and updated frequently. The in-house system gives JPMorgan more control, even if it takes longer to deploy.

This approach also reduces the possibility of uncontrolled “shadow AI” where employees use unapproved tools to speed up their work. While such tools can improve productivity, they tend to create oversight gaps that regulators quickly notice.

A cautious approach to employee changes

JPMorgan has been cautious about the impact of AI on jobs. The bank avoids claiming that AI will significantly reduce its workforce. Instead, introduce AI as a way to reduce manual work and improve consistency.

Tasks that once required multiple review cycles can now be completed more quickly, with employees still in charge of the final decision. This framework positions AI as a support rather than a replacement, which is important in a field sensitive to political and regulatory reactions.

The size of your organization makes this approach practical. JPMorgan employs hundreds of thousands of people around the world. Even small efficiency gains, when applied broadly, can lead to meaningful cost savings over time.

The upfront investment required to build and maintain an in-house AI system is significant. Dimon acknowledged that spending on technology can impact short-term results, especially when market conditions are uncertain.

His response was that cutting technology now may improve margins in the short term, but risks weakening the bank’s position later. In that sense, spending on AI is treated as protection against falling behind.

JPMorgan, AI and the risk of falling behind rivals

JPMorgan’s stance reflects pressure in the banking sector. Competitors are investing in AI to speed fraud detection, streamline compliance efforts, and improve internal reporting. As these tools become more common, expectations will rise.

Regulators may assume that banks have access to sophisticated monitoring systems. Clients may expect faster responses and fewer errors. In such an environment, lagging behind AI can look more like mismanagement than prudence.

JP Morgan is not suggesting that AI will solve structural challenges or eliminate risks. Many AI projects struggle to move beyond narrow uses and remain difficult to integrate into complex systems.

Even more difficult is governance. Clear rules are needed to determine which teams can use AI, under what conditions, and under what supervision. Errors must have an escalation path defined. Responsibility must be assigned when the system produces defective output.

Across large enterprises, AI adoption is not limited by access to models or computing power, but by process, policy, and trust.

For other end-user companies, JPMorgan’s approach provides a useful reference point. AI is treated as part of the machine that keeps the organization running.

It does not guarantee success. It can take years for profits to appear, and some investments may not pay off. But banks say the bigger risk lies in doing too little, not too much.

(Photo provided by IKECHUKWU JULIUS UGWU)

SEE ALSO: Plumery AI launches standardized integration, banks can begin operations

Want to learn more about AI and big data from industry leaders? Check out the AI ​​& Big Data Expo in Amsterdam, California, and London. This comprehensive event is part of TechEx and co-located with other major technology events. Click here for more information.

AI News is brought to you by TechForge Media. Learn about other upcoming enterprise technology events and webinars.

Europe, Greenland, ICE, Minnesota, Indiana, Miami, College Football: Daily Briefing

0

Monday honors the life and work of the Rev. Martin Luther King Jr. Welcome to the Daily Briefing. This morning’s breaking news is:

nicole farato Find today’s MLK Day opening and closing times here. Monday’s news you need to know includes updates on Greenland, a historic day in Virginia and the college football season finally coming to an end.

EU considers response as President Trump’s threat to Greenland continues

European Union ambassadors on Sunday reached an agreement in principle to step up efforts to deter President Donald Trump from imposing tariffs on European allies and prepare retaliatory measures if the U.S. president follows through on his threat to seize Greenland.

The review comes after President Trump announced that the eight NATO countries would impose a 10% tariff on all goods sent to the United States starting February 1 until the United States is allowed to buy Greenland, a move that major EU countries denounced as blackmail. President Trump said tariffs would rise to 25% on June 1 if no deal is reached to buy the area.

Denmark, Norway, Sweden, France, Germany, the United Kingdom, the Netherlands and Finland signed a statement on Sunday saying that “the threat of tariffs risks damaging transatlantic relations and sending them into a dangerous downward spiral.”

French President Emmanuel Macron has used the European Union’s anti-coercion tool “trade bazooka” against the United States as part of a number of interactions with European leaders, diplomats told USA TODAY.

More news you need to know right now

  • Man arrested by ICE in Minnesota dies in custody: Victor Manuel Diaz, 36, from Nicaragua, who was at risk of deportation, died in a detention center in El Paso, Texas, according to U.S. Immigration and Customs Enforcement. Diaz is the third detainee to die at the vast detention center. Meanwhile, voters say President Trump has gone too far on immigration policy.
  • One year of the Trump administration. A year after the Trump administration returned to the White House, economic indicators show that nearly every challenge he touted to solve during his presidential campaign two years ago, including cutting energy costs in half, making housing affordable and ending inflation, remains a problem or has gotten worse. Meanwhile, divisions in the Republican Party threaten to derail what could be Trump’s last chance to pass major legislation through Congress. As President Trump enters the second year of his second term, USA TODAY interviewed ordinary Americans across the country to hear their views.

Let’s take a look

“I have not forgotten the history and the significance of this moment.”

Abigail Davis Spanberger, a former House Democrat and CIA employee, took the oath of office Saturday with her grandmother’s Bible in hand, becoming the first female governor in Virginia’s history. It was a day filled with history in many ways.

bowl game

Indiana vs. Miami to face off in CFP national title game

The National College Football Championship is finally approaching. The final hurdle to Indiana’s first national football championship is Miami, once a powerhouse in the sport. Our columnist thinks this is why Indiana can win. Meet the 10 most important players to watch, learn why Hoosiers coach Curt Cignetti isn’t getting more attention about his program, and get ready for the game. And yes, Trump will be in the game.

before going

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

Melissa Leo says her 2011 Oscar win was ‘bad’ for her career

0

play

According to Melissa Leo, winning an Academy Award isn’t everything.

The Frozen River star, who won the Best Supporting Actress Oscar for The Fighter in 2011, told the Guardian that the honor did not help her acting career.

“Winning an Oscar was not good for me or my career,” she said. “I never dreamed of it, I never hoped for it, and I had a much better career before winning.”

Leo, 65, also recalled accidentally using profanity during his acceptance speech at the 2011 Oscars. “I still regret that I cursed,” she told the Guardian, adding, “I curse all the time, but you can’t curse on network TV.”

Leo starred opposite Mark Wahlberg and Christian Bale in David O. Russell’s 2010 sports drama The Fighter, for which Bale won Best Supporting Actor. This is Leo’s first Oscar win since she was nominated for Best Actress for “Frozen River” in 2009.

During the 2011 awards season, Leo took the unusual step of personally paying for an ad asking Oscar voters to consider his performance in The Fighter. The mocking ad featured an image of the actress posing next to the words “Please consider.”

At the time, Leo told Deadline that he removed the ad because he was frustrated because he felt his role in The Fighter wasn’t getting enough attention from the media.

“I took matters into my own hands,” Leo told Deadline in February 2011. “I knew what I was doing and told my agent how serious I was about this idea. I had never heard of an actor advertising for his role, so I wanted to give it a try.”

After The Fighter, Leo appeared in films such as Flight, Oblivion, Prisoners, The Equalizer, and Novitiate, as well as television shows such as I’m Dying Up Here and I Know This Much Is True.

Leo previously told Closer in 2022 that winning the Oscar “changed my life, but I can’t say it changed my life for the better.” “After I won the Academy Award, I was like, ‘Oh, this is so amazing! So this is the movie I’m going to be starring in now!'” Leo explained. I started having expectations and had to get over it. I’m really trying to move forward now and make conscious choices about my work and not do work that is harmful to myself or others. ”

Federal investigation into Renee Nicole Good raises free speech concerns

0

play

  • The New York Times reports that investigators are looking into potential ties to activist groups as part of the federal investigation into Goode’s murder.
  • First Amendment experts questioned how that context, if it existed, would be relevant in determining whether ICE officer Jonathan Ross acted in self-defense when he shot her.
  • Their views differed on how state and local governments should respond to the federal government’s presence in their jurisdictions.

First Amendment advocates are concerned that the federal investigation into the murder of Renee Nicole Good in Minneapolis will have a negative impact on free speech.

The concerns follow a New York Times report that the Justice Department and FBI are investigating Good’s potential ties to activist groups as part of a federal investigation into the Jan. 7 shooting that killed Good by Immigration and Customs Enforcement Officer Jonathan Ross.

The administration is investigating her possible ties to groups protesting President Donald Trump’s immigration efforts, the news agency reported, citing people familiar with the investigation.

Several First Amendment experts questioned the relevance of that potential context in interviews with USA TODAY. They reiterated that the Good investigation is still in its early stages and more facts will emerge as the investigation progresses.

The Department of Justice referred USA TODAY to an X post featuring Attorney General Pam Bondi and Deputy Attorney General Todd Blanche in the aftermath of Goode’s murder.

Bondi said in a Jan. 8 post that while peaceful protest is “a sacred American right protected by the First Amendment,” it is a federal crime to obstruct or assault federal law enforcement or damage federal property.

“If you cross that red line, you will be arrested and prosecuted,” she wrote. “Don’t test our resolve.”

Blanche wrote in part that law enforcement officers should not have to “risk their lives in the face of a threat of serious harm.”

USA TODAY has reached out to the FBI for comment.

Experts question relevance of potential activities

Teresa Nelson, legal director for the American Civil Liberties Union of Minnesota, said she saw “a lot of parallels” between the reported investigation into Good’s possible ties to activists and the department’s response to other police custody deaths in the state.

She described the tendency of authorities to downplay the role of law enforcement in these deaths, with particular reference to the case of George Floyd, who was killed by a Minneapolis police officer in 2020. and David Cloud, who died in the custody of the Duluth Police Department in 2005.

Nelson said the most important thing in such an investigation is “what’s going on when a situation like that arises.”

“The person’s past or involvement in other activities is completely irrelevant,” she says.

Nelson noted that the ACLU was founded amid threats to civil rights fueled by widespread anti-communist sentiment in the years after World War I, and said there is a “long history of the U.S. government suppressing speech in times of turmoil.”

Her organization sued ICE in December on behalf of several community members, alleging that the federal government violated their First and Fourth Amendment rights by responding to their peaceful protests with “harassment, intimidation, violence, and detention.”

Courtney Hostetler, legal director for People for Free Speech, called the reported federal investigation into Goode’s potential activities “an incredibly dangerous attack on the First Amendment.”

He said Americans “should be concerned about their First Amendment rights,” adding that the Founders “understood that tyranny would be a constant threat” when they established a system of checks and balances.

Diverse views on the role of national and local governments

Hostetler said state and local governments are “one of the most powerful mechanisms” in combating federal overreach, and urged them to “stop standing by” as the Trump administration increases its presence in their jurisdictions.

But David Keating, president of the Free Speech Institute, said “the temperature would drop significantly” if states and local governments committed to cooperating with federal authorities on immigration enforcement.

“If they cooperated, I think things would be a lot less volatile politically,” he said.

Keating also condemned certain rhetoric about ICE, including Democratic National Committee Chairman Ken Martin’s Jan. 11 X post. These include comparisons between the United States and Iran, where thousands of people have reportedly been killed in nationwide protests against the Iranian government. Mr Martin said both governments had shown “authoritarian behaviour” and Mr Keating’s comparison was “patently wrong”.

USA TODAY has reached out to the Democratic National Committee for comment.

Nelson said the federal government’s response to protesters has been “disproportionate to the actions” and that such response has contributed to “an extreme chilling of speech.”

“We recognize the need for safety, the need for law enforcement performance, all of that,” Nelson said. “We also need to ensure that First Amendment rights are not only respected but promoted.”

Breanna Frank is USA TODAY’s First Amendment reporter. please contact her bjfrank@usatoday.com.

USA TODAY’s coverage of First Amendment issues is funded by the Freedom Forum in collaboration with our journalism funding partners. Funders do not provide editorial input.

NFL honors Martin Luther King Jr. with playoff end zone message

0

play

SEATTLE – The NFL will honor Dr. Martin Luther King Jr. during all four divisional round playoff games.

Ahead of Martin Luther King Jr. Day on Monday, Jan. 19, the NFL will honor King by displaying “CHOOSE LOVE” in end zones and helmet decals, an NFL spokesperson confirmed to USA TODAY Sports.

The NFL will also recognize King and the message he expressed at Super Bowl 60.

“CHOOSE LOVE” and “IT TAKES ALL OF US” will appear in opposite end zones of Levi’s Stadium at next month’s Super Bowl.

“Dr. King’s message continues to guide how we show up in meaningful moments across the league,” NFL SVP of Social Responsibility Anna Isaacson said in a statement. “‘Choose Love’ has become an important and widely accepted message for our team because it reflects the values ​​championed by Dr. King: dignity, empathy, and a commitment to our common humanity. Bringing it to the forefront in the Divisional Round and again in Super Bowl LX reflects its continued relevance.”

End zone stencils for conference championship games will be determined by the host team following standard club-driven procedures.

Follow USA TODAY Sports’ Tyler Dragon on X @TylerDragon.

Do you want to get rich? Get older. The average 50-something is now worth $1.4 million

0

play

Do you want to get rich? Get older.

That’s what the data tells us about America’s net worth.

The average American in their 50s has a net worth of $1.4 million, according to a report from financial services firm Empower. The average person in their 60s is worth $1.6 million.

In contrast, the average 20-something is worth just $127,730.

This number is an estimate extracted from anonymous Empower user data for October 2025. But they are consistent with the findings of the Federal Consumer Finance Survey, a large survey released every three years.

The last federal survey conducted in 2022 showed that the average net worth of Americans ages 50 to 54 was $1.1 million, and $1.4 million for those ages 55 to 59.

Both reports show that American households are getting wealthier as they age, dramatically over several decades.

The Secret to Building Wealth: Stocks, Home, and Time

How did America’s elderly become so wealthy?

Financial experts cite three main factors: stocks, housing, and time.

The S&P 500 has risen 256% over the past decade, or about 13.5% annually, according to a January 10 analysis by The Motley Fool.

“Over the past 20 years, the last three years alone, the stock market has exploded, and we’re starting to hear people say, ‘I never thought I’d have so much wealth,'” said Ryan Victorin, vice president and financial consultant at Fidelity Investments.

And it’s a key reason why so many Gen Xers and Baby Boomers are millionaires. If you invest a large amount of money in stocks and their value increases by 10% every year, it won’t take many years for your balance to double in value.

“The average portfolio tends to double every seven to 10 years,” says Victorin. “If you look at it over a 40-year period, it’s a significant doubling.”

home is a piggy bank

Home values ​​have also increased significantly over the past decade.

Home prices typically do not rise as quickly as stock prices. However, housing acts as a huge piggy bank. When you take out a mortgage, you enter into a multi-year equity building cycle in which your payments and the value of your home increase over time.

Homeownership rates increase with age, and older Americans are more likely to have significant equity in their real estate.

Older Americans also build wealth through inheritance. The cumulative chance of inheriting money increases with each decade of life.

“When you think about people in their 50s inheriting a home, they already own a home,” said Colin Day, a certified financial planner with Mercer Advisors in St. Louis.

Before we get into a detailed discussion of net worth by age, we should note one obvious discrepancy in the numbers: the difference between the mean and median.

According to Empower, the average person in their 50s is worth about $1.4 million. But this is a mathematical average, and the ultra-wealthy make this number even higher.

The “median” in the 50s – imagine the middle number on a long list of numbers – is worth a more modest $192,964.

This is America’s average net worth per decade

The breakdown of net assets by decade is as follows:

20s

Average net worth: $127,730

Median net worth: $6,689

Many Americans start their 20s in college, and many graduate with debt. Until you have enough savings, your net worth will likely be negative.

“At the end of the day, your 20s are where you go back to zero,” says Jonathan Swanberg, a certified financial planner in Houston.

People in their 20s may also be struggling with car debt or credit card debt.

Financially speaking, the last 10 years have been spent primarily “trying to get back on my feet,” said Liz Gillette, a certified financial planner in Edgewater, Maryland.

30s

Average net worth: $321,549

Median net worth: $24,508

Once upon a time, Americans expected to own a home in their 30s. no longer. In 2025, the median age for first-time homebuyers was 40 years old.

Many people in their 30s have small children. That means childcare.

“There’s no doubt that your expenses will increase as you reach your 30s,” says Gillette.

On the plus side, Victorin says that as a 30-something, he is “starting to establish himself in his career.” “Maybe you got a promotion or two.”

And in your 30s, it took several years to start building up your retirement savings.

“You don’t have the ability to compound interest yet, but you’re saving your paycheck,” Swanberg says.

40s

Average net worth: $770,892

Median net worth: $76,479

The past decade is the time in your life when “the effects of compound interest start to show,” Gillette said.

People in their 40s are in their prime earning years. When your child is old enough to attend public school, childcare fees decrease.

Still, “most people are still suffering at this point,” Swanberg said. “They’re still trying to get a down payment on a house. They’re still trying to pay for their kid’s baseball trip.”

50s

Average net worth: $1.4 million

Median net worth: $192,964

This is the time when many Americans reach their peak incomes. If you own a home, it could be your biggest asset.

“I think this is a place where people can see the impact of their real estate choices,” Gillette said.

Maybe you’re struggling with college costs. But it takes 30 years to build up retirement savings.

“When you’re 30 years into your career, it really starts to mean something,” Swanberg said.

60s

Average net worth: $1.6 million

Median net worth: $290,920

According to data from Empower, people in their 60s have more wealth than any other age group.

“This is your peak,” Gillette said.

Your 60s may be your 10th year to pay off your mortgage. It can be an empty nester, so you spend less.

The 60s are also traditionally the decade of retirement. You may start the decade earning as much as you ever have. Eventually, you’ll probably end up collecting Social Security and dipping into your savings.

70s

Average net worth: $1.5 million

Median net worth: $232,712

Generally speaking, net worth begins to decline in the last decade. Perhaps he has quit his job. I’m using up my savings.

However, your net worth may not decrease by much. The stock market has been doing well lately, and many retirees are finding they can live off profits alone.

“Anyone who has retired in the last 10 or 15 years has retired into the luxury market,” Victorin said.

This is the average Social Security benefit for a 67-year-old

0


Social Security is a complex program.

play

Social Security is perhaps the most important social program in the United States, providing benefits to tens of millions of retirees who use their income to supplement savings or as their primary source of income in retirement.

However, the program is complex and has many unstable rules. Retirees don’t have to learn all of this, but they should try to understand what their retirement benefits will be so they can plan better and make sure they have enough income to cover their expenses once they’re done working.

One important number retirees should know is the average Social Security benefit amount at age 67.

enjoy the rights to the fullest extent

Before discussing average Social Security benefits at age 67, future and current retirees need to understand how the Social Security program works and why claiming benefits at different ages will affect the amount they receive in retirement.

Retirees can begin claiming Social Security benefits as early as age 62 and as late as age 70. Of course, there are trade-offs. The earlier you apply for benefits, the lower your monthly benefits will be, and the later you apply, the higher your benefits will be. The Social Security Administration (SSA) seeks to provide all retirees with equal benefits throughout their lifetime.

The standard age for people born after 1960 is 67 years, also known as Full Retirement Age (FRA). FRA is the age at which you can receive the full amount of benefits to which you are entitled based on the SSA benefit formula. This formula is based on the number of years you worked during your career, your income, or how much you paid in Social Security taxes, and your retirement age.

When retirees claim benefits before FRA, their benefits are reduced by a small percentage each month. If retirees claim benefits as early as age 62, their retirement benefits can be reduced by as much as 30%. Conversely, for each month a retiree defers claiming benefits beyond the FRA, benefits increase by a fixed percentage. If you claim benefits as late as possible at age 70, your Social Security benefits will increase by 24%.

Average social security benefits for a 67-year-old

Considering most people’s FRA is now 67, it’s a good idea for retirees to understand what their average check is at that age. This will allow you to roughly calculate how much your benefits will be reduced or increased based on the age you plan to claim Social Security.

According to SSA’s 2025 Annual Statistical Supplement, as of December 2024, the average monthly benefit for all 67-year-old retired workers who were not affected by early retirement cuts or accelerated retirement benefits was approximately $2,163, or $25,956 per year. The average monthly benefit for a 67-year-old man was higher at $2,393, while the average benefit for women was lower at about $1,915.

Since this data is from December 2024, you can apply annual cost of living adjustments (COLA) for 2025 and 2026 to estimate the current average. Last year’s COLA was 2.5%. That means your average monthly benefit at age 67 in 2025 will be about $2,217. This year’s COLA is 2.8%, increasing the average monthly benefit to $2,279, or $27,349 per year.

Keep in mind that this is just an average, and a retiree’s personal COLA is primarily based on their income during their working years. Additionally, while people can make plans based on the age at which they want to retire, unforeseen events can occur that they could not have foreseen. After all, if a retiree claims Social Security, it should depend on his or her financial situation and health.

People who don’t have as much saved up for retirement or who have serious health problems are more likely to choose to claim Social Security early. If you have savings and are reasonably healthy, you may choose to wait until FRA or beyond.

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.

The $23,760 Social Security bonus that most retirees completely overlook

Offers from the Motley Fool: If you’re like most Americans, you’re several years (or more) behind on your retirement savings. However, there are only a few that are not well known. “Secrets of Social Security” It may help ensure that you increase your retirement income.

One Easy Trick Could Pay You Up to $23,760…Every year! By learning how to make the most of your Social Security benefits, we think you can retire confidently with the peace of mind we all desire. participate stock advisor To learn more about these strategies,

View “Social Security Secrets” »

Has President Trump’s grip on Congressional Republicans weakened? Yes and no.

0


Recent polls have shown that while Trump and Republican leaders’ control over rank-and-file Republicans remains strong, it has declined in a noticeable way.

play

WASHINGTON – President Donald Trump’s Republicans control Congress.

Well, it depends on the day.

The ever-shrinking margin in the House poses a bigger problem for the White House and House Speaker Mike Johnson. Mavericks in the Senate have also voiced growing dissatisfaction with the party leadership on issues such as foreign policy and health care.

The changing political dynamics are revealing rifts in the Republican Party and threaten to derail President Trump’s last chance to pass major legislation if Democrats win a majority in at least one chamber of Congress in November.

The president rallied Republican lawmakers for a rally in Washington during the first week of January, kicking off a critical year leading up to the midterm elections. In a speech to a crowd of House Republicans, he emphasized that there is “so much good material” to campaign for this year. In particular, he highlighted revenue from tariffs and White House negotiations to lower prescription drug prices.

“If you can sell them, we will win,” he said.

But Republicans’ chances of retaining control of the House in the midterm elections, which are set to go against the grain of history, are getting worse. A YouGov/Yahoo News poll of more than 1,100 voters in January showed Democrats with a 5-point lead.

President Trump has already acknowledged that Congress’ vote counting is becoming less forgiving.

Several unexpected vacancies, including one created by the sudden resignation of Georgia Representative Marjorie Taylor Greene and the tragic death of California Representative Doug LaMalfa, have reduced the Republican majority to two votes, including members who left the party due to family emergencies or other attendance issues.

Republicans can now barely get even a single defector on the ballot.

“You can’t be tough when you have a three-member majority,” Trump said at the retreat. “And now, sadly, it’s a little bit lower than that.”

a house divided

At the start of President Trump’s second term last year, House Republicans led by Speaker Johnson remained united to guide major legislation across the finish line. This includes the president’s so-called One Big Beautiful Bill Act, a major piece of domestic policy legislation that is arguably his defining legislative accomplishment since returning to office.

However, cracks are beginning to appear in the coalition government. Several Republican lawmakers rebelled against the White House by joining Democrats in supporting the Epstein File Transparency Act. It also passed an extension of health care subsidies, which Republican leaders do not support. And many of them joined Democrats to protect federal employees’ bargaining rights by supporting repeal of one of President Trump’s executive orders.

During a recent 11-hour battle on the House floor, Republican leaders had to allay the concerns of protesting lawmakers, both moderates and hardliners, in order to pass the bill. For example, a conservative uproar that cost more than $1 million to an organization that provides substance abuse recovery and mental health treatment to East African communities in Minneapolis nearly derailed a government funding plan.

On January 13, the weakness of the House majority was on full display, with a small number of pro-labor Republicans defecting from leadership and voting down a bill that would ease overtime regulations for certain employers.

Some House Republicans have openly expressed the challenges of having such a slim advantage over Democrats. Rep. Tim Burchett (R-Tenn.) told USA TODAY that the party’s moderate and conservative wings are at odds.

“They just want to move up the ladder,” he said of his centrist Republican colleagues. “And they don’t care how badly they hurt our great country.”

The situation has given House Speaker Johnson enormous power and severely weakened one of his most important roles: his ability to control what bills come up for a vote.

Some Republicans agree. Pennsylvania Rep. Brian Fitzpatrick, one of the Republicans who left the party on Jan. 13, told USA TODAY that he believes ideas, especially ideas supported by most members and the American people, rather than party leadership, should ultimately control which bills lawmakers vote on.

“It’s going to run the gamut,” he said. “It could be Ukraine. It could be health care. It could be border security. Whoever gets 218 votes should get voting rights. That’s my view.”

One of the clearest examples of political issues overcoming partisan divides was the November vote to require the Justice Department to release all information about the late sex trafficker Jeffrey Epstein.

Many Republicans were initially reluctant to see it pass through the White House (Trump did not initially support the Epstein File Transparency Act). But after a small group of conservatives agreed with the president, the rest of the caucus, and Trump himself, came to support the bill.

Throughout this period, Mr. Johnson (who did not immediately respond to requests for comment from his office) has continued to express confidence in the state of House Republicans. At a recent press conference, he said he had worked with a “razor-thin” majority since he first became speaker in 2023. He said his party had still failed “time and time again.”

“We have complete control of the House,” he told reporters on January 13. “It’s a close call.”

Quiet defiance in the Senate

Republicans have a slightly healthy majority in the Senate, with 53 of the 100 seats. That margin helped Republicans deliver important victories to Trump last year, including confirmation of key presidential appointments.

But two issues have recently highlighted the limits of Trump’s control of the Senate.

The first is healthcare. While Senate Republicans were largely united during last year’s record government shutdown, Democrats used the crisis to draw attention to the lapse in health care subsidies that expired at the beginning of the year and raise premiums for millions of Americans. Four Senate Republicans joined Democrats in December to vote in favor of extending the tax credit (the last resort still failed).

Then there’s foreign policy. Five Senate Republicans on January 8 advanced a bipartisan measure to block President Trump from taking further military action in Venezuela, angering the president. The bill, a war powers resolution, ultimately died after the White House intervened to overturn two Republicans on the next vote, a notable moment of discord within the Republican Party.

The bigger problem is that President Trump is trying to buy Greenland. Senate Republican leaders have suggested that military action to annex territory from Denmark, a NATO ally, would cross a red line for them.

Sen. James Lankford (R-Okla.) said, “We should not threaten peaceful countries that are allies that already have military bases.”

Meanwhile, Democrats are developing a strategy to test Republican dissatisfaction with Greenland. Sen. Tim Kaine, D-Virginia, who authored the bill to curb further military intervention in Venezuela, said he is planning a similar bill aimed at deterring hostilities in Greenland.

Regardless of the bill’s success, Kaine told Punchbowl News on January 15 that the White House is paying a lot of attention to his war powers bill. Kaine noted that Trump administration officials halted a second invasion of Venezuela as the bill passed Congress. (Trump said this was due to increased cooperation among Latin American leaders, not Congressional oversight.) Kaine said senior Trump administration officials have also committed to no more formal implementation domestically without Congressional approval.

“What I learned from this experience is to change your behavior even if you lose,” he said. “Changing behavior is a good thing.”

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

First Insight brings conversational AI to retail

0

One of First Insight’s key claims is that Eris makes consumer insights accessible beyond dedicated analytics teams. The company claims that natural language queries allow senior executives to engage with data without waiting for analysis.

Democratizing analytics is a recurring theme in many industry studies. Gartner reports that organizations that expand access to analytics are more likely to see increased tool adoption and ROI. However, they caution that the system must be managed to ensure that the output is interpreted correctly and results in robust data.

First Insight claims that Ellis maintains the methodological rigor of its existing platform while reducing friction at the decision point. The goal is to bring predictive insights to the moment decisions are actually made, said Greg Petro, the company’s chief executive officer.

“For nearly 20 years, First Insight has helped retailers predict pricing, product success and assortment decisions based on real consumer feedback,” a company spokesperson said. “Ellis brings that intelligence directly into line reviews, early concept development and the boardroom, helping teams move faster without sacrificing confidence.”

CBS News cancels ’60 Minutes’ report on El Salvador’s CECOT

0

play

The “60 Minutes” segment about El Salvador’s infamous giant prison that CBS canceled last month finally aired on Sunday, Jan. 18, weeks after the network pulled it off the air hours before it was scheduled to air.

“CBS News leadership has always been committed to airing 60 Minutes Secott productions as soon as they are ready. Tonight, viewers will see them along with other important stories,” the network said in a statement.

The “Inside CECOT” segment investigated El Salvador’s notorious anti-terrorism prison known as CECOT. Human rights groups have condemned dangerous conditions at the maximum-security facility, which has become a symbol of President Donald Trump’s controversial immigration crackdown.

The facility has been used to house some immigrant detainees from the United States as part of an agreement with El Salvador.

Sunday’s broadcast included comments from the U.S. Department of Homeland Security, details on deportees’ criminal histories, and additional coverage of those with tattoos, the station said. The report featured correspondent Sharin Alfonsi speaking with Venezuelan men who were later released and describing conditions inside the facility as “brutal and torturous.”

The section’s description states, “Last year, the Trump administration deported hundreds of Venezuelans to El Salvador, a country with which they had little ties, claiming they were terrorists.” “This unusual move led to a continuing legal battle, but 10 months later, the U.S. government still has not released the names of all those deported and incarcerated at CECOT, one of El Salvador’s harshest prisons.”

The segment was shelved in December 2025 after CBS said additional reporting was needed. The station also removed the link to the segment page that same day and said the report would be aired at a later date.

A CBS spokesperson earlier told Reuters that an early version was accidentally streamed on Canada’s Global TV app and then spread widely online. The decision to postpone the show was controversial, raising suspicions of political interference.

In an email to colleagues obtained by multiple news organizations, including Reuters, Alfonsi said the decision to eliminate the segment was “a political decision, not an editorial one.” She also reportedly said that the film had been screened five times and was cleared by a lawyer.

The decision comes as Paramount Skydance has introduced changes to the network since being selected to lead CBS News in October 2025 following Paramount Skydance’s acquisition of The Free Press, an online publication founded by Bari Weiss.

Weiss, a former opinion writer for the New York Times and the Wall Street Journal, was seen by some analysts as a controversial figure because he had never previously managed a television newsroom or produced broadcast news content.

Contributor: Melina Khan, USA TODAY. Reuters

Immigrant arrested by ICE in Minnesota dies in El Paso detention center

0

play

A Nicaraguan immigrant arrested by immigration agents in Minneapolis and at risk of deportation has died in a detention center in El Paso, Texas, according to U.S. Immigration and Customs Enforcement.

Victor Manuel Diaz, 36, from Nicaragua, became the third inmate to die at the vast detention facility known as Camp East Montana.

ICE announced in a report released on Sunday, January 18th that he was pronounced dead on Wednesday, January 14th. He was found dead in an apparent suicide. He received his final dismissal order on January 12th.

Diaz was detained by ICE agents on January 6 during an operation in Minneapolis, Minnesota, where thousands of federal agents have surged as part of President Donald Trump’s immigration enforcement efforts. The Minnesota operation has been plagued by controversy, including the Jan. 7 shooting death of Renee Nicole Good by ICE agents.

Francisco Gaspar Cristóbal Andrés was the first person at the El Paso facility to die. The 48-year-old man from Guatemala was taken to the hospital on November 16th and later died on December 3rd.

The second detainee, Cuban immigrant Gerardo Lunas Campos, 55, died on January 3. His death is considered a likely homicide.

Camp East Montana opens in August

Camp East Montana began accepting detainees in August 2025. The massive detention facility built on Fort Bliss land housed 3,080 detainees as of December 19th.

Civil rights activists and U.S. Rep. Veronica Escobar (D-El Paso) have expressed concern about conditions inside the facility.

The El Paso Times, part of the USA TODAY Network, reported that the facility received nearly 90 emergency 911 health calls in its first 15 weeks of operation. The Washington Post reported multiple violations during construction, and the American Civil Liberties Union reported acts of physical violence against detainees and attempts to force detainees to leave their countries.

Since January 1, at least six immigrants have died in immigration detention facilities across the United States.

Jeff Abbott covers the border for the El Paso Times. Contact details are as follows:jdabbott@usatodayco.com; @palabrasdeabajo Twitter and @palabrasdeabajo.bsky.social At Blue Sky.

EU considers ‘trade bazooka’ as Trump continues to threaten Greenland

0

play

Ambassadors from the European Union reached a general agreement on January 18 to step up efforts to deter President Donald Trump from imposing tariffs on European allies and prepare for retaliation if the US president follows through on his threats.

The review comes after President Trump announced that eight NATO countries would impose a 10% tariff on all goods sent to the United States from February 1 until the United States is allowed to buy Greenland, a move that major EU countries have denounced as blackmail. President Trump said tariffs would rise to 25% on June 1 if no deal is reached to buy the area.

French President Emmanuel Macron has used the European Union’s anti-coercion measures against the United States as part of a number of interactions with European leaders, diplomats told USA TODAY. The diplomat added that President Macron had reaffirmed to his partners the importance of a decisive and coordinated European response.

Irish Prime Minister Michael Martin said he had no doubt the EU would retaliate, but said it was “a bit premature” to use this measure.

The EU had said it would begin importing $107 billion worth of goods from the United States in May 2025 in response to President Trump’s sweeping tariff announcements, but suspended imports for six months after the president and ambassadors reached an agreement. According to Euronews, the proposed tariffs target industries centered on Republican-leaning states, including bourbon, aircraft parts, soybeans and poultry.

According to the Financial Times, the EU has not ratified the deal, and lawmakers in Brussels suggested that new threats to Greenland would override EU recognition.

Reuters, citing EU sources, said the tariffs appear to have broad support as an initial response compared to other anti-coercion measures, which currently have “a very complex situation”.

Eight NATO members, including Denmark, said in a joint statement that President Trump’s latest tariffs are “dangerous” to the transatlantic relationship. “The threat of tariffs risks damaging transatlantic relations and sending us into a dangerous downward spiral,” the countries said.

Here’s what you need to know about the European Union’s ‘trade bazooka’.

What is a “Trade Bazooka”?

The European Union’s anti-coercion measures, also known as “trade bazookas”, were adopted in 2023 to prevent and eliminate “situations of economic coercion”, according to the text of the regulation.

“It is aimed, inter alia, at deterring economic coercion by the EU or Member States and enabling the EU to counter economic coercion through EU countermeasures as a last resort,” the regulation says.

The measure was designed to prevent “bullying” from China, Politico Europe reported. However, Euronews said it was aimed at countering China and the United States, which use tariffs and natural resources to promote their national interests.

The agreement allows the EU to restrict or suspend imports of goods and services into its own market, and impose limits on foreign investment, intellectual property rights, and more.

The European Commission’s Q&A page on the document states that any action against a country must be “proportionate to the harm caused”.

“The range of possible measures is designed to be wide enough to enable the selection and design of effective and efficient responses to individual cases of economic coercion, with minimal or no impact on the EU economy,” the European Commission said.

How long does it take to deploy a “Trade Bazooka”?

According to the text of the regulation, once a country is accused of coercion, the European Commission has up to four months to investigate the allegation. After the investigation, a majority of EU member states must agree to start the investigation.

Once this measure is activated, the EU will negotiate with the accused country. If these negotiations fail, retaliatory measures may be taken.

According to AFP, the device has not been used since its introduction.

Why are anti-coercion measures considered “bazookas”?

The use of anti-coercive measures could seriously damage trade relations between Europe and the US and was considered a “nuclear option” to counter President Trump’s tariffs, Euronews said.

Trade between the US and the EU will reach nearly $2 trillion in 2024, representing nearly 30% of global trade and 43% of global GDP, according to EU Council data.

“The European Union and the United States have the largest bilateral trade and investment relationship and the most integrated economic relationship in the world,” the Council wrote.

According to Agence France-Presse, the European Union is made up of 27 countries with a total population of 450 million people.

Contributed by: Reuters

Woman dies after riding roller coaster at Universal Studios, Florida

0

play

In November, a 70-year-old woman died after riding Revenge of the Mummy, an indoor roller coaster at Universal Studios in Orlando, Florida.

News of the unidentified woman’s death was detailed in the Florida Department of Agriculture and Consumer Services’ quarterly report on theme park injuries, the Orlando Sentinel reported on Jan. 16.

The woman reportedly became unresponsive while riding an indoor roller coaster on Nov. 25 and later died at a nearby hospital. Florida’s report “reflects only information reported at the time of the incident,” and Florida’s government “has not received an update on the initial assessment of the occupant’s condition.”

Universal Orlando media representatives did not immediately respond to USA TODAY’s questions about the incident.

NBC affiliate station WFLA in Florida reported that 21 incidents have been linked to the Mummy’s Revenge Ride since it opened in 2004, including reports of nausea, dizziness and spinal fractures.

Universal Studios Florida’s website describes Revenge of the Mummy, located in the New York area of ​​the theme park, as a “high-speed plunge into pitch darkness.”

NFL Playoff Winners and Losers: CJ Stroud’s Collapse

0

play

Through three games in the divisional round of the NFL playoffs, the top seeds all advance to the conference championship. But it wouldn’t be fair to say things went as expected in the postseason.

That was certainly the case on January 18, when the New England Patriots defeated the Houston Texans 28-16 in a game that committed eight turnovers. Will the offense cool down again when the Chicago Bears and Los Angeles Rams face off in frigid conditions in the final game of the weekend? If the former wins, the top two seeds from each conference will compete for a spot in Super Bowl 60.

Here are the biggest winners and losers from Sunday’s divisional round playoff action.

winner

C.J. Stroud made things easier for them, but New England’s cover men struggled in several spots. Carlton Davis III set the tone early with an incredible diving interception towards the end of the first quarter, then converted his second of the day before halftime. Meanwhile, Marcus Jones allowed a touchdown to Christian Kirk in the first quarter, but bounced back with a pick-six and a 25-yard return. Rookie safety Craig Woodson was the final pick. Meanwhile, standout cornerback Christian Gonzalez allowed just 58 yards on seven catches despite being targeted 16 times, according to Next Generation Stats. In total, the Patriots defended an incredible 14 passes.

milton williams

His dominant performance in last year’s postseason led the Philadelphia Eagles to a Super Bowl victory, and he subsequently earned a huge salary from the Patriots. Now, defensive tackles are once again wreaking havoc in the postseason. After recording two sacks against the Los Angeles Chargers last week, Williams became a mainstay in the Texans’ backfield, even though his efforts weren’t properly reflected in the box score. And this time, he avoided blooding Mike Vrabel during the postgame celebration.

Stefon Diggs

A volatile player on his fourth team in 11 years, Diggs has managed to find greener pastures with almost every transfer. And with the Bills eliminated and his new team defeating the Texans on Saturday, Diggs was able to accomplish the feat again while coming back from a torn ACL that upended his only year in Houston.

It wasn’t particularly prolific for the veteran wideout, finishing with four catches for 40 yards. However, Diggs caught the tight window throw in such an impressive manner that even he later marveled at the feat.

Drake May passes away

As a result, he completed 16 of 27 passes for 179 yards, which was not what you would expect from a strong MVP candidate. But the second-year signalman managed to do something Stroud couldn’t: be smart about how to attack opponents in a game determined by defensive performance. May tends to have success against blitz-heavy teams that give him a chance to punish his aggression. It’s clearly not the Texans who can put their quarterback in an uncomfortable spot without deviating from their established practices. But Maye was mostly insightful and even opportunistic at times, effectively putting the game out of reach with a 32-yard deep shot to Kayshon Boutte in the fourth quarter.

Zack Kuhl

The 37-year-old, who is the Patriots’ de facto defensive coordinator and has been the play-caller since Week 2, has come up with quite a plan to keep the Texans in check. To compensate for a pass rush that was unable to generate pressure organically, Kuhl showed a variety of looks and brought heat in different ways. As a result, New England took over the defense from Houston and dominated the day.

Will Anderson Jr.

The Texans’ loss means Anderson will not receive his fair share of compensation for a day when he had three sacks, including two forced fumbles. But anyone watching could recognize that he was a singular force on the field. Had it not been for Myles Garrett’s record-setting campaign, Anderson might have been a strong candidate for NFL Defensive Player of the Year. Please look forward to him as the preseason favorite for the 2026 award. Meanwhile, fellow Edgefiend Daniel Hunter also had two sacks of his own. Due to this confusion, New England’s offense was unable to score from Houston’s barrage of turnovers, resulting in a pick-six.

Jarrett Stidham

The seven-year veteran, who assumed the role of starting quarterback for the Denver Broncos on Saturday night in place of Bo Nix, who is out for the rest of the season with a broken bone, was certain to have a difficult task after not throwing a pass all season. But for Stidham and Sean Payton, avoiding a matchup against a Texans defense that is essentially swallowing all comers has to be a win. New England will present many unique challenges for the top-seeded Broncos. But they seem more manageable for a team thrown for a loop from its biggest win.

loser

CJ Stroud

When Stroud’s three-turnover performance was overshadowed by the Steelers’ own offensive ineptitude, it seemed like things couldn’t get any worse than his wild-card performance. But the Texans’ third-year signal-caller reached a new nadir against New England, throwing four interceptions and holding off a historically dominant defense that was more than up to its task of competing in this game. He shouldn’t be responsible for the pick, as the pass that was supposed to be a reception skimmed through Xavier Hutchinson’s hands. But the rest was the product of terrible decision-making. And Stroud was off the mark and out of sorts on many other occasions.

Stroud has had an incredible run since his Offensive Rookie of the Year campaign, proving he can elevate the supporting cast. But he’s also one of the league’s most volatile behind center. After his past two performances, can Houston in good conscience negotiate what will undoubtedly be a huge contract extension? A better bet would seem to be to exercise the fifth-year option and maintain some flexibility going forward.

Drake Maye Handle/Running

There are definitely elements here. But Maye’s four fumbles, two of which were missed, threatened to put New England in a dangerous position in a game that should have been even better off of turnovers. And even though Houston’s defense showed some vulnerability against the mobile quarterback, Maye ran just four times for 10 yards.

Texans run game

A more standard offense would focus on the ground game, especially considering Stroud’s struggles and slippery conditions. But nothing happened with Houston’s lackluster rushing attack, registering just 48 yards on 22 carries. Lead back Woody Marks went undefeated or scoreless on eight of his team-high 14 carries, according to Next Gen Stats. So the Texans accepted an unhealthy imbalance, with Stroud attempting 47 passes despite how out of shape the quarterback was. Redoing this phase should be at the top of your offseason priority list.

Will Campbell

At least the Patriots’ rookie left tackle recovered two of Maye’s fumbles, avoiding further disaster. It was almost the only positive thing of the day for Campbell, who was always in trouble when he couldn’t get help. To be fair, the Texans’ pass rush tandem is a very difficult matchup for even the most savvy veterans. But Maye and the rest of the Patriots’ offense won’t feel comfortable facing a Broncos defense that leads the league in sacks.

Why 84-month car loans are skyrocketing and what it means for buyers

0


An increasing proportion of new car buyers are choosing long-term auto loans.

play

  • More than 20% of new vehicle purchases in Q4 2025 were financed with 84-month terms.
  • Consumers are looking to lengthen their auto loans to lower their monthly car payments, but when combined with interest rates, the total cost of financing increases significantly.

According to American personal finance company NerdWallet, the average term of a car loan is “nearly six years.” Over those six years, drivers can accumulate more than $10,000 in interest.

Additionally, a growing percentage of Americans have unusually high car payments, with new Edmunds data showing a record number of buyers committing to monthly payments of $1,000 or more.

According to the automotive research firm, in the fourth quarter of 2025, 20.3% of new car buyers agreed to make monthly payments of more than $1,000. This is the highest percentage ever.

This figure is up from 19.1% in the previous quarter, and continues to rise steadily as vehicle prices soar and borrowing costs remain high.

This trend is not limited to the new car market. Used car buyers also set a new record, with 6.3% paying more than $1,000 per month. This is up from 6.1% in Q3 2025 and significantly higher than the same period last year.

Edmunds analysts said the milestone underscores the economic strain they will face throughout 2025 as many consumers extended loan terms, took out large loans and absorbed higher interest rates to secure cars in a still expensive market.

Some lenders offer car loans for up to 96 months. The main difference between loan terms is the amount of interest that accrues over time. Larger loans also involve paying more interest.

According to NerdWallet, a car loan of just $35,000 with an annual percentage rate of 9% could result in a total interest cost of $12,302. The average price of a new car is closer to $50,000 instead of $35,000.

Disadvantages of an 84-month car loan

Longer car loans have allowed buyers to afford new cars despite rising prices. Not all American car buyers are fully aware of how much additional money they will be paying to qualify for their loan.

For example, the 2026 Toyota RAV4 has a starting price of $31,900 before taxes, fees, and additional costs. If a driver puts down 20%, or $6,380, for a 2026 RAV4, he or she would need a car loan of at least $25,520 to fully cover the cost of the new small SUV.

The average interest rate on a new car auto loan for drivers with a credit score between 661 and 780 is 6.51%. A 48-month auto loan of $25,520 at 6.51% annual interest rate would be $1,661.35 in annual interest, not including additional taxes and fees. Drivers who take out a loan under these terms will pay $6,645.40 in interest before the loan is paid off, bringing the cost of financing a 2026 Toyota RAV4 to $38,545.

If you take out an 84-month loan at the same 6.51% APR, you’ll pay a total of $11,629.45 in interest by the time you pay off the car. That’s an interest rate difference of $4,983.95 over three more years of loan payments, without adding the actual cost of the vehicle itself. With an 84-month auto loan, the total amount financed on a 2026 Toyota RAV4 is $43,529, which is a significant difference from MSRP.

Comparison of new and used car loans in 2026

With new car prices rising, the average monthly payment for a new car being much higher, and drivers opting for longer loan terms, now is not the ideal time to buy a new car without serious planning. Meanwhile, the average auto loan interest rate for used cars is much higher than for new cars, according to U.S. News & World Report. Should car buyers buy a new car or a used model?

Ultimately, interest rates and long-term loan terms can force drivers to pay thousands of dollars more than the vehicle’s purchase price for both new and used cars. In terms of cost performance, used cars are still more advantageous than new cars. Consumer review and news site ConsumerAffairs said, “Significantly more used cars are sold each year than new cars.”

New cars depreciate quickly, losing some of their value and making most models more affordable to consumers. Calculating your total interest costs before signing a car loan can save you thousands of dollars.