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How much does a flu shot cost without insurance? Let me explain.

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Flu season is here, when influenza and other common respiratory illnesses become more prevalent. That means if you haven’t gotten your flu vaccine yet, it might be time to get one.

Although vaccine access has been called into question since Health Secretary Robert F. Kennedy Jr. took over the federal health agency earlier this year, recommendations for flu shots for Americans have remained largely unchanged.

According to the CDC and major medical organizations such as the American Academy of Pediatrics and the American Academy of Family Physicians, everyone 6 months and older should get a flu shot every year unless they have an allergic reaction to an ingredient or have had a previous severe reaction.

Medical experts say the best way to prevent the flu and its potentially serious complications is to get vaccinated against the flu each year.

How much does a flu shot usually cost?

Flu shots are usually available for free or at a reduced cost in the United States.

For example, at CVS, flu shots are available for free through most insurance plans, including Medicare Part B, a spokesperson told USA TODAY.

Uninsured or underinsured children, children eligible for Medicaid, or of American Indian or Alaska Native descent can receive vaccines for free through the CDC’s Vaccines for Children (VFC) program. Uninsured or underinsured adults may also be eligible for free or low-cost vaccine assistance programs.

Low-cost or free options are available through your doctor or health care provider’s office, pharmacy, Health Resources and Services Administration (HRSA)-supported health center, employer, school, or community organization. To find the location closest to you to get vaccinated, visit Vaccines.gov.

How much does a flu shot at CVS cost without insurance?

For patients paying without insurance, vouchers or third-party discount cards, the flu vaccine is also available at CVS at the following prices, according to a spokesperson:

  • Standard vaccine (trivalent): $74.99
  • Standard Egg-Free Vaccine, Limited Quantity (Flublok): $125.99
  • Adult vaccines 65 and older (Fluzone HD, Fluad): $125.99

“Patients can visit a CVS Pharmacy in person or schedule an appointment on CVS.com or the CVS Health app,” the spokesperson added.

How much does it cost to get a flu shot at Walgreens without insurance?

Flu vaccines are also available for free at Walgreens with most insurance plans, according to the Walgreens website, but the pharmacy did not respond to USA TODAY’s request for comment on pricing. Contributor: Mary Walrath-Holdridge, USA TODAY

11 people killed in shooting at Hanukkah party in Australia

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Australia has seen a spate of anti-Semitic attacks on synagogues and other locations since the start of the war in Gaza. This country has some of the strictest gun control measures in the world.

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At least 11 people were killed and dozens injured in a shooting attack targeting the Australian Jewish community at Sydney’s popular Bondi Beach on December 14, police and authorities said.

New South Wales Police said two suspects were in custody, one of whom later died. The other suspect was in critical condition. The attack took place on the first day of Hanukkah and was classified as a terrorist incident.

Authorities and local media, citing witnesses, reported that about 1,000 people were attending a Hanukkah-related party when the shooting began. Australia has seen a spate of anti-Semitic attacks on synagogues and monuments since the start of the Gaza war.

Prime Minister Antony Albanese called the incident “shocking and tragic” and described the attack as “an evil act of anti-Semitism and terrorism that struck at the heart of our country.” NSW Premier Chris Minns said the attack was “designed to target Sydney’s Jewish community”.

At least 29 people, including one child, were hospitalized.

bondi beach shooting incident

Australia has some of the strictest gun laws in the world, and mass shootings are relatively rare.

Still, the shooting is believed to be the deadliest in Australian history since Port Arthur in 1996, when a lone gunman killed 35 people at a historic Tasmanian site. The incident led the Australian government to impose a near-total ban on all automatic and semi-automatic rifles.

Hanukkah begins on December 14th and is one of the most widely celebrated Jewish holidays. And Bondi Beach is one of the most famous beaches in the world. It is crowded with locals and tourists on weekend nights.

Videos circulating on social media platform X showed people scattering onto the beach and a nearby park as multiple gunshots and police sirens could be heard. One video showed a man in a black shirt firing a large weapon, and a man in a white T-shirt tackling him and taking the weapon away.

Another man was also seen firing a gun from the footbridge. Explosives associated with the deceased suspect were found in the car, police said at a press conference.

“If decisive action is not taken now to protect the Jewish community and confront anti-Semitism head-on, this will not be the last genocide. Once again, the warnings will be ignored,” Nitsana Darshan Leitner, an Israeli lawyer and human rights activist, said in an email.

Expert picks, predictions and player props

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In the midst of the holiday season, the USA TODAY Sports staff is in the spirit of giving. They’re back to bring you the best NFL All your Week 15 bets in one place. Last week, the team went 2-2 with production from Devin Neal and an interception before Daniel Jones suffered a season-ending Achilles injury.

The team has had lucrative picks for several weeks in a row and will be looking to make a sweep this Sunday on the front lines of the playoff hunt.

The Tampa Bay Buccaneers and Atlanta Falcons open the week Thursday night, and after a few bye weeks, today marks the beginning of a massive 14-game NFL schedule.

○Our expert staff narrows down the best NFL bets for Sunday. They provide their Week 15 NFL predictions below, with detailed analysis on the spread, totals, player props, and touchdowns using odds from BetMGM. If you follow me, I wish you good luck.

Best Bets NFL Week 15

All odds listed are provided by BetMGM Sportsbook. For the complete list, visit the USA TODAY Sports Scores and Sports Betting Odds hub.

49ers TE George Kittle Anytime TD (+130)

Ayrton Ostley, NFL Writer: San Francisco came back from a late bye and the Titans just picked up their second win of the season at home. This is the first of three home games in four weeks for San Francisco to conclude the season.

Tennessee has struggled at tight end this year, especially over the past two weeks. After allowing three touchdowns to the position in the first 11 games, they have allowed more touchdowns in the past two weeks: one each to Brenton Strange, Harold Fannin Jr. and David Njoku.

Kittle has played better than all three this year and had an extra week of rest heading into this game. Look for him to find the end zone in this game.

Giants QB Jackson Dart Passing Yards Over 205.5 (-111)

Jacob Kamenker, NFL Writer: Dart has only eclipsed 200 passing yards in three of his eight starts this season, but he should have a good chance to surpass that mark this week. The managers have allowed the fifth-most passing yards to quarterbacks this year (3,392) and just surrendered a three-touchdown game to JJ McCarthy.

If that wasn’t enough, the Giants seem content to de-emphasize Dart as a runner in order to protect him heading into his second season. The first-round rookie may be forced into more of a pure passer role in the final month of the season, as he recorded just four carries in Week 13 against the New England Patriots, his lowest start of the season.

Ravens RB Derrick Henry 2+ TDs (+380)

Tom Vieira, NFL Writer/Editor: Over the past seven games, Henry has thrown for 692 yards and six TDs. The Ravens and Bengals played against each other two weeks ago, and King Henry gained 104 yards and 1 TD despite the Ravens playing from behind for most of the game. Henry should experience a huge workload with Justice Hill (IR) and Keaton Mitchell clashing.

Henry in December is a train you definitely want to ride. Baltimore is trailing the Steelers and enters Week 15 outside of the playoffs, so expect them to be very aggressive against this very forgiving Cincinnati defense. Over the past two months, the Bengals’ defense has ranked last in rushing yards allowed, yards per rush, and rushing success rate, and second-to-last in yards before contact per rush and EPA per play.

This AFC North matchup has the second-highest point total (51.5), giving the Ravens a team total of 27 points this Sunday. Henry averaged 128.5 yards in his final four games in 2024 and should be able to get the final game of the 2025 season off to a strong start as Baltimore’s playoff hopes hang in the balance.

Nancy Pelosi talks about impeaching Trump and electing a female president

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Nancy Pelosi has no regrets, but she finds herself preparing to return to California while President Donald Trump remains in power in Washington.

And we have yet to have a female president.

“I always thought a woman would be president of the United States, long before a woman became speaker of the House,” Pelosi told USA TODAY in an exclusive interview after announcing her retirement after nearly 40 years in Congress. The men in charge – she called them “poor babies” – were not at all welcoming when she tried to join their ranks.

“It’s not a glass ceiling, it’s a marble ceiling,” she recalled. “I certainly thought the American people were far ahead of Congress in terms of acceptance and enthusiasm for a woman to be president of the United States.”

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Pelosi talks about men’s reaction to her seeking a role in Congressional leadership

In an exclusive interview with USA TODAY, Nancy Pelosi tells how men have reacted to her seeking a role in Congressional leadership.

But since she was elected as the first woman to chair the House nearly 20 years ago, two other women nominated for president, Hillary Clinton in 2016 and Kamala Harris in 2024, have both lost to Trump. In fact, Ms. Pelosi set aside tentative plans to retire at that point in the wake of her unexpected victory over Ms. Clinton.

All of this has dampened Pelosi’s optimism about meeting with a woman in the Oval Office, or at least her plans.

“Maybe not in my lifetime, but there will be women in the next generation,” she said.

Was former first lady Michelle Obama right last month when she said America wasn’t ready for that idea?

“I don’t know,” Pelosi mused, before admitting, “I respect what she said and I’ve seen the evidence from both campaigns.” Even though Clinton led the popular vote, winning the electoral college proved to be a “tall order.”

Breaking with Biden after decades of friendship

Democrats nominated Harris for president after President Joe Biden withdrew just 107 days before the election, citing concerns about his age and mental acuity. Pelosi played a key role in the decision, meeting with Biden and citing polls that cast doubt on the belief that Biden could win in November.

He heeded her advice, but despite decades of political friendship, the two never spoke again.

“It’s unfortunate because I love and respect him, but I respect his decision in that respect,” Pelosi said. She added: “He gave me some nice words when I announced my future plans. I’m grateful to him.”

In a written statement, Biden described Pelosi as “the best Speaker of the House in American history.”

Meanwhile, President Trump told reporters that she was an “evil woman” who “has done so much for our country by retiring.”

Ultimately, Pelosi said she had made the decision to retire from Congress after serving 20 terms. Article 20 − It wasn’t difficult to reach.

“The time has come,” she said in a Dec. 11 interview. “I mean, I’ve been ready for a while.” She kept her decision a secret until she boldly revealed it in a video last month, but for a while she “thought I’d probably never run again.”

There’s a reason she was silent, she added. “You can’t make yourself a lame duck,” as if to state the most obvious thing in the world.

Unless you’re Nancy D’Alesandro Pelosi, the daughter of three-term mayor of Baltimore, the most powerful woman in U.S. history. She negotiated the passage of historic legislation with Democratic Presidents Barack Obama and Biden, was a Republican adversary, a sworn enemy to President George W. Bush on the Iraq war, and to President Trump on, well, everything.

But if Democrats regain the House majority in next year’s midterm elections, which Pelosi says is a certainty given the president’s low approval ratings, she doesn’t think impeaching Trump should be on the table. She led two impeachments against him during his first presidential term.

“No,” she said. “It’s not a coincidence that we’re going to do it. No, there’s got to be a reason. There’s got to be a reason.”

Rather, what Congressional Democrats need to do in the remaining two years of President Trump’s second term is to hold the course and clear a path to reclaiming the White House in 2028.

She said of President Trump, “We may not be able to get his signature on things, but we can slow down the terror he is inflicting on the country.”

My steps are slow and the scenery isn’t as bright.

She is currently 85 years old. “I’m old!” she exclaimed at one point, a little surprised.

Her gait is a little uncertain these days, but her posture during our hour-long conversation was as straight as it was when she arrived in town in 1987. Wearing a fire-engine red pantsuit and distinctive stiletto heels, he returned after recovering from a fall and hip replacement surgery a year ago.

“Speaker Emeritus,” the honorific title she invented for her special position, lacks the power and privilege that comes with being speaker and minority leader of the Democratic Party. She led the party in various positions for 20 years from 2003 to 2023.

Let’s think about it. The Speaker’s Office, just off the House floor, offers one of the best views in Washington over the National Mall.

Currently, her quarters in the Longworth House Office Building as the representative for California’s 11th District have a wall view of the Rayburn House Office Building next door.

The first thing visitors see is a framed poster given to her by then-Massachusetts Sen. Edward Kennedy, showing a smiling Pelosi surrounded by photos of the 51 men who spoke before her on the House floor.

In the hallway outside, a large bronze plaque honors the law enforcement officers who protected the Capitol on Jan. 6, 2021, when rioters attacked the electoral vote counting ceremony that confirmed Biden’s victory over Trump. “Their heroic deeds will never be forgotten,” it read.

Pelosi’s disdain for Trump, displayed publicly after the 2020 State of the Union address when she stood behind Trump and shredded his speech, has yet to cool down. She calls his administration “corrupt, incoherent, chaotic, and cruel” and his political priorities “sick.”

She said her proudest accomplishment was the passage of the Affordable Care Act in 2010, and her biggest disappointment was the lack of gun control measures to curb school shootings.

“Not as fast as an adjective.”

She acknowledges that her days of wielding power are over.

“I don’t have any powers right now, and I will have even less power when I’m not in Congress,” she said. “But that doesn’t mean I don’t have influence.” She said she will continue to work on the issues she cares about most and will be ready to offer “advice if people want it.”

She has not ruled out speculation that she is likely to support Connie Chung, a member of the San Francisco Board of Supervisors and a crowded candidate to replace Pelosi in Congress. “I’m not going to do anything right now,” she replied. The state Democratic convention is in February, but “we’ll see how it goes.”

Pelosi expressed confidence that her daughter Christine will win the California Senate seat in November and that Democrats will regain the House majority. “Hakim (Jeffries Democratic Leader) only needs three seats to become chairman,” she said. “I want about 30 more.”

But her future challenges sound more personal than political. Her husband, Paul, is “in good spirits” but is still dealing with the trauma of a brutal assault in their San Francisco home by a hammer-wielding assailant who is currently serving a life sentence. “I feel terrible because they were looking for me. They got him,” she said. “He’s paying the price physically, but our children are paying it in trauma.”

She also wants to be more supportive of her friends who are going through their “ups and downs.”

People say, “Okay, what are we going to do next?” she said indignantly. “So why don’t you think about this and that? And I said, ‘I don’t need to do anything. I’m old and I don’t need to do anything else.’

What adjective will she carve on her tombstone years from now?

“Not that fast, adjectively,” she answered crisply.

But she laid flowers on the graves of her friends and predecessors, Phil and Sarah Burton, on Veterans Day and said she was impressed by the message they chose. “His life was service and his love was people,” his adjectives read. Her: “She cared.”

USA TODAY Washington Bureau Chief Susan Page is the author of “Madam Speaker: Nancy Pelosi and the Lessons of Power.”

VIPs in detention

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PROVIDENCE, R.I. — Authorities have confirmed a person of interest is in police custody in Providence, R.I., after a mass shooting at Brown University left at least two students dead and nine others injured.

“The people of Providence can breathe a little easier this morning,” Mayor Brett Smiley told reporters at an early morning news conference in the New England city.

The shooting at the Ivy League university occurred just before 4:05 p.m. Saturday in an engineering building with an unlocked door where final exams were in progress. Law enforcement worked late into the night to clear and evacuate the school building and take students to established reunification centers, the USA TODAY Network’s Providence Journal reported.

Brown University President Christina Paxson confirmed that two of those killed were students, and at least eight of the nine injured were also students. Paxson said authorities and university leaders are in contact with the families of the students who died.

Here’s what we know so far:

Providence Police Chief Col. Oscar Perez could not confirm many details at a Sunday morning news conference, but said law enforcement would then work with prosecutors to collect evidence and interview witnesses.

Police initially described the suspect as a man wearing all black, possibly in his 30s. Perez confirmed this statement at a morning press conference.

Ted Docks, head of the FBI’s Boston field office, praised local law enforcement and said this cooperation was essential in investigating and detaining the suspect within 24 hours.

Police in Coventry, Rhode Island, confirmed that the suspect was taken into custody around 3:45 a.m. at a hotel on Center of New England Boulevard, but did not specify which hotel.

The Center of New England is a large commercial and residential development that includes several hotels as well as a Walmart, Home Depot, and BJ’s.

Brown University announced in a 5:42 a.m. alert that Providence Police notified the university that the shelter-in-place order for the entire Brown campus had ended.

However, police operations will continue in areas where crime scenes are still considered to be active.

“Please note that access to these areas of campus remains restricted. Within the police perimeter, including Minden Hall and nearby apartment buildings, members of the community who leave those buildings will not be able to return. It is important that you follow the direction of law enforcement at all times,” the alert states.

Smiley said at a 7 a.m. news conference that the order has also ended for everyone in the Brown area.

Impact of changing the job tag “Professional” on student loans

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While many Americans see removal from the Department of Education’s (ED) list of “professional” graduate degrees as a loss of status and access to higher education, others see it as an opportunity to finally curb ballooning student loan debt.

Last month, the Trump administration updated which majors fall under the definition of a “professional” degree to qualify for higher student loan limits. Only 11 people were shortlisted, and many were quick to point out that degrees such as nursing, accounting, architecture and physical therapy were excluded.

Critics said the proposed guidelines, which would have to go through a comment period before being finalized early next year, would leave people unable to afford to work in excluded occupations.

However, some lenders say this floor, coupled with ED’s elimination of unlimited Graduate PLUS loans for cost of attendance and lowering the limit on Parent PLUS loans, could ultimately lead to reductions in student loans for many borrowers. If students have to think more about their budget and the cost of getting a degree, and fewer people enroll in expensive schools, debt will decrease. High-cost schools may need to find ways to lower fees to compete, they say.

This idea is based on the Bennett hypothesis. In 1987, former Secretary of Education William J. Bennett suggested that: Increased federal student aid will allow universities to raise tuition fees This is because the grant covers the student’s expenses.

So while it may hurt to hear that your degree doesn’t qualify you as a “professional,” some experts said it’s less about your career status and more about how much you can borrow from the federal government.

And Jack Wallace, director of private student loan company Illefi, said most students studying in non-eligible professions are currently not borrowing more than the maximum amount.

Which degree qualifies me as a specialist?

If finalized, effective July 1, “professional” degrees eligible for federal student loan limits of $50,000 per year and $200,000 over a lifetime would include:

  • medicine
  • pharmacy
  • dental
  • optometry
  • law
  • veterinary medicine
  • osteopathic medicine
  • Podiatry
  • chiropractic
  • theology
  • clinical psychology

For degrees not included in the list, the loan limit is $20,500 per year and $100,000 for life.

What is the change in “professional”?

Professional associations such as the National Association of State Boards of Accountancy and the American Association of Colleges of Nursing opposed ED’s claims that their work was unprofessional.

“Classifying accountants as anything other than professionals fundamentally misrepresents the important work that[CPAs]do, which is responsible for the health of the global financial system on which businesses and individuals depend,” said Daniel J. Dustin, NASBA President and Chief Executive Officer.

Professional associations and some members of Congress are also concerned that lowering the loan limits for these degrees will discourage students from entering these fields.

This classification “undermines the ability to fund the education of nurses, physical therapists, occupational therapists, social workers, public health workers, mental health counselors, and other essential health care workers,” wrote Rep. Timothy Kennedy (D-N.Y.) in a letter to the Education Department, signed by 69 of his colleagues in Congress, opposing the exclusion. The move “will exacerbate existing workforce shortages and place further strain on a health care system already in crisis.”

Some experts agree that loan limits will encourage people who can’t cover the costs of certain programs to consider cheaper options or consider private loans that can offer lower fees and interest rates.

However, statistics show that many students seeking graduate degrees who are considered “non-professionals” may not be deterred by the loan cap because they typically borrow below the annual loan limit.

For example, 95% of nursing students did not meet the $100,000 limit, the ED said. According to Preston Cooper, a senior fellow at the American Enterprise Institute, a conservative think tank, 72% of students pursuing a master’s degree in social work (MSW) borrow less than the $20,500 annual limit for graduate programs, and 84% of Ed.D. students borrow within the standard limit.

This is in contrast to just 31% of medical students who borrow less than the standard graduate loan limit of $20,500 per year, he said.

“I’m skeptical that loan limits will have much of an impact on enrollment in professions like nursing,” said Kathryn Meyer, a fellow at the center-left Brookings think tank.

But “that doesn’t mean there aren’t consequences. There are definitely people who decide not to become nurses because the program they were interested in is expensive and they can’t move to another part of the country to get into a lower-cost program, or the lower-cost school might not be able to expand enrollment,” Meyer said.

The proposed changes may have other negative effects. “In fact, my biggest concern is for students who are actually enrolled in programs that are on the professional list, but the increase in the professional program cap is still not enough to compensate for the elimination of the PLUS loan,” Meyer said. “Despite being on the professional list, aspiring dentists are far more likely to not have access to federal financing sufficient to cover program costs.”.

How will the changed classification curb student debt?

Some experts said stricter classifications and loan caps could force schools to rein in costs.

“Because kids can rent what they want, schools can charge what they want, which drives up costs,” Wallace said.

While general inflation has fluctuated primarily between 2% and 4% over the past 45 years, tuition inflation has averaged between 7% and 8% annually. According to the Higher Education Price Index, general consumer prices have nearly doubled since the 1980s, while tuition fees have more than tripled.

“We’ve created an education bubble that’s like the mortgage crisis,” laments Dan Rubin, CEO of YELO Funding, which provides school loans. “For 40 to 50 years, people could borrow as much as they needed or wanted for their education, easily credited, easily loaned money.”

Higher education in the United States is the most expensive of all Organization for Economic Co-operation and Development (OECD) countries, according to data.

“In other countries, you’re getting an education at a much lower cost,” Rubin said. “The issue is the price, not how much you can borrow. We need to reconsider the cost of education.”

If fewer people can afford tuition, schools may have to reconsider their fees, they said.

However, some argue that federal loan limits alone may not lower tuition costs, as many factors determine costs.

“Changes in state funding are an important factor in explaining the rising costs,” the centrist Bipartisan Policy Center said. Some researchers estimate that state spending cuts account for about 41% of the increase in tuition revenue since the Great Recession began in 2007.

Schools may also shift costs between programs to maintain revenue, Meyer said.

“Some high-cost programs will try to bring costs down,” she says. “But at the same time, we may increase tuition rates in other historically low-cost graduate programs to offset the loss of revenue.”

In a simplified example, the school nursing program costs less than the loan limit, but the physician program costs more. The school can supplement its income by lowering the price of medical degrees to the loan limit and increasing the price of nursing degrees to the loan limit.

Wallace and Rubin said they hope schools will choose to go back to basics and reduce costs by focusing solely on education.

“When I visited the university, I was outraged by where the money was being spent,” said Rubin, whose three children are in higher education. “The facilities looked like a five-star hotel. Why? We are here to get an education. This is not a resort. This is a university.”

No limit on federal borrowing for graduate programs, Schools had no incentive to cut costs, he said. But now, “I finally have hope for the future.”

Medora Lee is USA TODAY’s money, markets and personal finance reporter. Please contact us at mjlee@usatoday.com. Subscribe to our free Daily Money newsletter for personal finance tips and business news every Monday to Friday morning.

Should you invest in stocks or housing? Here’s the answer.

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If you look at the recent rise in home prices, you might think that the value of real estate is increasing at the same rate as stocks.

You might be surprised. Over the past 30 years, stock prices have risen four times faster than home prices, according to Motley Fool analysis.

Since 1995, home prices have increased approximately 310%. During the same period, the S&P 500 index rose approximately 1,200%. Add in dividends, and the S&P’s total return is over 2,200%.

“Equities, by and large, are the most profitable asset class. There’s no comparison,” said Matthew Argersinger, senior investment analyst at The Motley Fool.

Another way to compare two investments is: According to financial journalism site Investopedia, from 1992 to 2024, the S&P returned an average of 10.4% per year. In the same year, house prices rose by about 5.5% annually.

“If your goal is to invest in a home or the stock market to create long-term wealth for your retirement, the stock market will definitely perform better,” said Caleb Silver, editor-in-chief of Investopedia.

“But I need a place to live.”

A home is more than an investment

And therein lies the enduring appeal of America’s hometown. It’s an asset. It’s an investment. It’s also your castle.

“I recommend thinking of your home as two things,” says Brian Kearns, a Chicago-area certified public accountant and certified financial planner. “The first is a place of refuge. The second is a place to live your life.”

Perhaps nothing improves the quality of life more than a nice home. It’s your environment, your base, and where you’ll probably spend most of your time.

Kearns and other experts say it’s a mistake to think of housing as just an investment. And it’s probably not entirely fair to compare housing to stocks. These are completely different assets.

Homes or stocks: which is the better investment?

Still, many Americans struggle with the question of how to invest their limited funds.

Option A: Buy a home. This deal can leave you with heavy monthly mortgage payments and seemingly never-ending maintenance costs.

Option B: Rent a house or apartment. This is an option that allows you to set aside extra cash for stock investments.

Given the historical performance of stocks, Option B “may be a faster and more efficient way to build wealth,” Silver said.

Between mortgages, insurance, property taxes, and maintenance costs, a home can be a very expensive asset.

“And you’re not going to get anything close to the returns that investing in the stock market has historically produced,” Silver says.

Homeownership and the American Dream

However, option A has distinct advantages. When you buy a home with a mortgage, you enter into a multi-year wealth accumulation cycle in which your mortgage payments and the value of your home gradually increase.

“It’s basically forced savings,” Argersinger said.

Homeownership has helped millions of Americans achieve the American Dream and built wealth that parents can pass on to their children.

“For people who grew up in poverty, I think that kind of forced savings can be a way to get out of poverty,” said Amy Arnott, portfolio strategist at Morningstar.

If you choose option B and rent a house and invest in stocks, you’ll need the discipline to stick to it. No one will force you to buy stocks.

Myths about rising home values

Experts say many consumers mistakenly assume that home prices will rise as dramatically as stock prices.

One reason is that homes have fallen into disrepair recently, rising in value by about two-fifths in the first half of the past decade.

Another reason is that housing is an extremely valuable asset. The average home sale price in mid-2025 was $512,800, according to federal data.

Five years ago, the average home price was $371,100.

That sounds like a significant increase. And that’s true in dollar terms. But in percentage terms, house prices have only increased by about 38% over five years.

In contrast, the S&P 500 is up about 86% over five years.

“If you own a home for decades, it needs to keep up with inflation,” Arnott said. “But you don’t usually get the kind of growth that you get with stocks.”

If you’re considering whether to invest in stocks or homes, here are some comparison points from Investopedia, the Motley Fool, and Morningstar.

volatility

Home prices go up and down, but they are different from stock prices.

According to Investopedia, home prices have never actually fallen in the last 10 years. In contrast, the S&P fell 18% in one year.

utility

A home is a physical asset. Stocks are not like that. You can solve the “shelter” problem and live in your own home. Other people can live there and receive rental income.

Because housing is a physical asset, it is considered a more stable investment than stocks. Experts say that while a home can lose value, it generally cannot lose all of its value. The house won’t go bankrupt.

utilize

When you buy a home with a fractional down payment, you are making a leveraged investment. Use leverage to double your returns.

Let’s say you have 20% equity in your home. “If your home appreciates 2% to 3% a year, your return could be 10% to 15% a year because you have leverage,” Argersinger said.

Some armchair investors have dabbled in leveraged stock investing, but leveraging stocks can come with risks.

liquidity

Your home may be worth $500,000, but that’s not easy money to spend. Housing is considered less liquid and easier to buy and sell than stocks.

maintenance cost

Homeownership is expensive, and not just because of the mortgage. According to a recent analysis by Zillow and Thumbtack, the “hidden costs” of homeownership, including maintenance, insurance, and taxes, now total nearly $16,000 annually.

In contrast, ownership of stocks incurs relatively small administrative costs. Management fees for stock mutual funds are typically less than 1%.

tax reduction

Homeowners enjoy favorable tax benefits. Itemizing typically allows you to deduct both mortgage interest and property taxes.

If you sell your primary residence, you could potentially avoid taxes on up to $250,000 in capital gains, or $500,000 for married couples.

In contrast, investors who sell their stocks for a profit generally face capital gains taxes.

Why Trump, Logan, Musk and their allies brought back the ‘R-word’

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Watchdog groups say the resurgence is a result of President Trump’s return to power and MAGA allies who want to declare “Wake is dead.”

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President Donald Trump’s rhetoric has taken an even more incendiary turn in recent weeks, including telling a female reporter in November to “shut up, you pig” amid declining poll numbers.

Speaking at a rally in rural Pennsylvania on Dec. 9, Trump admitted in 2018 that he had used the term “hole countries” to describe Haiti and several African countries, after initially denying the reports seven years ago.

And Trump and his allies have increasingly succeeded in reviving the use of the so-called “r-word,” a term once widely used to describe people with intellectual disabilities, which they and their supporters say has devolved into a slur.

The most recent example occurred on Thanksgiving Day, when President Trump, in a series of social media posts, criticized Minnesota Gov. Tim Walz, a former Democratic vice presidential candidate, for “seriously criticizing” his administration’s opposition to immigration crackdowns.

Some Trump supporters always enjoy seeing the president use offensive language to get his point across, whether to excite Make America Great Again supporters, poke opponents in the eye, or both.

“Ground zero of this cultural change is being driven by the (political) right, but I don’t think it’s limited to the (political) right at this point,” said Angelo Carusone, president of the liberal-leaning media watchdog group Media Matters for America.

“I don’t think traditional media programming is embracing it, but audiences are, and outside of conservative circles people are starting to say it more willingly.”

But the use of the term hasn’t necessarily been a win for Trump and his allies, and may have added to the president’s political losses after an Indiana Republican said Trump’s comments inspired him to vote against Trump’s redistricting plan for the 2026 election.

“Let’s be intentional. Let’s be compassionate. #ChooseToInclude and stop using the R-word today and forever,” Special Olympics, the world’s largest sports organization for children and adults with intellectual disabilities, said in a Dec. 4 post to X.

The R-word is back: Supporters defend its use for ‘cultural Marxism’

For some of President Trump’s most ardent supporters, the use of the term is a principled stand against what they call the “cultural Marxism” that progressives are imposing on this country.

“There are a lot of words in the English language that are no longer in use because they have been called politically incorrect,” Mark Meckler, a political activist who briefly served as CEO of Parler, a self-proclaimed conservative free speech platform, said on a Dec. 9 livestream show in response to the controversy.

“The word r—-d, you know what it means, I know what it means, and we all know what it means,” he added. “It means someone who is stupid, lame, stupid. The left, the thought police, the speech police want to say that when we do things like this, we are insulting the mentally ill.”

Ironically, experts say the term “mental retardation” was first used by mental health professionals in the late 19th century, as a diagnostic term intended to replace more unpleasant labels such as “mentally retarded.”

As late as the 1980s, groups such as the Ark Advocating for Americans with Intellectual Disabilities still used the term in their official names and public service announcements featuring liberal celebrities.

“My next child might be killed,” singer Barbara Streisand said in a 1970s ad campaign. “Maybe you do too.”

The term has come to be used as a colloquial insult to refer to people without developmental disabilities as stupid or stupid, leading to calls to abolish it. Advocacy groups have changed their names and launched new initiatives, including “Spread the Word to End the Word.” In 2010, Congress passed Rosa’s Law, making “intellectual disability” the correct term to use under federal law, and the Supreme Court followed suit in 2014, saying it was the legally more appropriate term in a landmark death penalty case.

But Trump’s return signals a reversal of what MAGA activists and other conservatives have argued is a hyper-sensitive “cancel culture.”

Over the past year or so, the R-word has made a comeback, appearing unapologetically in places like Joe Rogan’s podcast, Elon Musk’s social media posts, and Trump’s statements.

“The word ‘r—-ed’ is back. This is one of the great cultural victories,” Logan, who supported President Trump last year, said in an April episode of his popular podcast, which has more than 20 million subscribers on YouTube.

Media Matters announced that researchers have found that the use of the words “r—-d” or “r—-ed” on Fox News has increased, from a total of eight times in 2024 to a total of 23 times so far in 2025.

The watchdog group said the most frequent offender was the show “Gutfeld!” The show, hosted by conservative political commentator and comedian Greg Gutfeld, debuted in April 2021 and averages about 3.3 million viewers, according to Late Nighter.

Gutfeld’s late-night show, which has a more humorous tone than other Fox News programs, has mentioned the word the most across the network, increasing from three times in 2024 to 17 times in 2025 so far, according to Media Matters. The next closest show was “The Five” with 3 mentions.

Earlier this year, Lee Zeldin, now President Trump’s head of the Environmental Protection Agency, appeared on his show and used the term to describe the thoughts of Rep. Alexandria Ocasio-Cortez (D.Y.).

“I can say that now, it’s okay. I can accept it now,” Gutfeld said.

President Trump has a history of using language to describe his opponents to criticize some Republicans.

Trump’s comments toward Walz are not the first time a president has used the term to criticize his rival. It’s something he’s used against Democrats and even against Republicans.

According to the New York Times, he also mentioned former Vice President Kamala Harris in a similar vein during the 2024 presidential campaign. Prominent journalist Bob Woodward wrote in his 2018 book “Fear: Trump in the White House” that Trump used the term to mock Attorney General Jeff Sessions, a former Republican senator who was later fired.

While many pro-Trump MAGA-aligned celebrities and activists may welcome the return of the term (pro-Trump musician Kid Rock used it to describe Dr. Anthony Fauci in October), there have long been social conservatives who oppose its use.

In 2010, when President Obama’s former chief of staff Rahm Emanuel used the “R” word to describe some liberal activists, former Alaska Gov. Sarah Palin, a Republican who has a son with Down syndrome, called for his resignation. (Mr. Palin has been an enthusiastic supporter of Mr. Trump in his presidential campaign.)

Most recently, Republican lawmakers in Indiana rejected a proposed map that would have created two new red districts as part of President Trump’s larger redistricting war. One of the first Republicans to oppose the proposal was state Sen. Mike Bohacek, who noted that his daughter has Down syndrome.

“This is not the first time our president has made such an insulting and derogatory reference, and his choice of words has consequences.”

Brad Polumbo, a podcast host and right-wing political commentator, expressed support for some of the administration’s more conservative social positions, such as ending medical treatment for transgender prisoners. However, in a Dec. 1 post on X, the 27-year-old activist criticized President Trump’s derogatory language.

“I hate it when the president uses ‘r—-d’ as an insult,” Polumbo said. “For the most part, I agree with telling the ‘offended’ group to get over this. But there are thousands of special needs Americans who are really hurt by this and feel that the president is using the R-word as an insult to degrade them.”

Will Creeley, legal director of the Foundation for Individual Rights Expression (FIRE), a libertarian-leaning free speech group, told USA TODAY that discussions about the evolving nature of language often reflect changes in social norms and power relationships.

“The interesting thing about word policing is that it’s a function of power and who is wearing the proverbial boots at the time,” he said.

After the assassination of conservative activist Charlie Kirk, many conservatives, including senior Trump administration officials, were outraged by the negative comments about Kirk and wanted the criminals to lose their jobs.

Liberals argue that President Trump’s behavior toward Americans with disabilities isn’t just hurting people’s feelings. In March, the Trump administration rescinded 11 guidelines under the Americans with Disabilities Act. Disability rights advocates say this will negatively impact accessibility and services for people with disabilities.

“When they returned to power, for some reason, the word and its use again were shut down. This is obviously symbolic,” Carusone said. “This shows that the Wakes are dead, they’re coming back and they have cultural superiority. We’re dealing with it now.”

Contributor: Kinsey Crowley

Not everyone needs to file taxes. You might want to do that anyway.

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There were 161 million individual income tax returns filed with the IRS in 2024, which could include yours. Although not all Americans are required to file a tax return, most Americans are required to file a tax return. And even if you don’t have to file a tax return, there may be good reason to do so.

In fact, filing your taxes is a good thing, especially if you can claim a tax credit or overpayment, or get your money back in some other way.

Whether you need to file a return usually depends on your income, filing status, and age.

In special circumstances, you may need to file a tax return regardless of your income. For example, if you are self-employed and have at least $400 in net income, you must file taxes. If you earn at least that much, you pay self-employment tax.

What is the minimum income to pay taxes in 2025?

To determine whether you are one of the millions of people who must file a return, start with three things. That’s your gross income, or your total income before taxes and adjustments, as well as your age and filing status.

Your filing status means whether you are single or not. File your marriage registration jointly or individually. Head of household. Or a widow.

The IRS has minimum income thresholds that determine whether you need to file a tax return, depending on your age and filing status. The breakdown is as follows:

Single application status:

$15,750 for those under 65;

$17,750 for those 65 and older.

Joint notification by husband and wife:

$31,500 if both spouses are under 65.

$33,100 if one spouse is under 65 and the other is over 65.

$34,700 if both spouses are 65 or older.

Submit marriage registration separately:

$5 for all ages.

Head of household:

$23,625 for those under 65;

$25,625 for those 65 and older.

Eligible surviving spouse:

$31,500 for those under 65 years of age.

$33,100 for those 65 and older.

What are other reasons to file taxes?

People with “special circumstances” may be required to file a tax return regardless of their income. These include:

1. You will have to pay special taxes such as:

  • Alternative minimum tax. Usually targeted at very high income taxpayers.
  • Additional taxes on qualified plans that include individual retirement accounts (IRAs) or other tax-advantaged accounts.
  • Social Security or Medicare taxes on tips you don’t report to your employer or on wages you receive from an employer that doesn’t withhold these taxes.
  • Failure to collect Social Security, Medicare, or railroad retirement taxes on tips reported to your employer. or additional taxes on group term life insurance and medical savings accounts.
  • Household employment tax.
  • Get your taxes back. This means you pay back the federal government for the benefit of using tax-exempt mortgage bonds for financing.

2. You (or your spouse if filing jointly) have health insurance. Received from the state or federal marketplace or received distributions to a health savings account.

3. Had at least $400 in net income from self-employment.

4. Received wages of $108.28 or more from a church or a qualified church-controlled organization It is exempt from employer Social Security and Medicare taxes.

Note: If you can claim as a dependent based on someone else’s tax return, the tax filing requirements are different. When in doubt, use the IRS’ interactive tool to determine whether you need to file a tax return.

Do I need to file a tax return even if I’m not required to do so?

If you think you can get your money back, you can. Please consider submitting your application if any of the following apply.

  • You had income tax deducted from your paycheck. You can get that amount refunded.
  • I paid too much. For example, if you paid estimated taxes, or if last year’s overpayment was applied to this year’s estimated taxes, you may be eligible for a refund.
  • You may be eligible for the Earned Income Tax Credit. You can qualify for this refundable credit and get your money back even if you haven’t paid any taxes. This typically applies to low-income workers, with credits ranging from $649 to $8,046 depending on income and number of children, but you don’t have to have children to qualify. Of the 23 million Americans who applied for the credit, the average EITC amount in 2023 was $2,743. Additional Child Tax Credit. If you qualify, you can receive a refund of up to $1,700 of the $2,000 child tax credit per child.
  • You have the following qualifications American Opportunity Credit. If you qualify for this tax credit to help pay for your post-high school education, you can receive a tax credit of up to $2,500 per eligible student per year and a 40% or $1,000 refund if you owe no taxes.

Even if there is no refund deadline, if you receive a 1099-B with information about securities or real estate related to a transaction handled by your broker, the IRS recommends that you file a tax return to avoid notice from the agency.

Disability rights lawyers threatened with Trump’s layoffs and reassignments

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The Trump administration has proposed cuts to state-based legal services for people with disabilities, as human rights activists say the Justice Department has fired many of the lawyers who worked on disability issues.

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Advocates say the Trump administration is seeking to curtail access to lawyers who defend the rights of Americans with disabilities.

Most lawyers work for either the Justice Department or the disability rights agencies that Congress established in each state decades ago. Many of the Justice Department’s lawyers left in 2025 after being reassigned to other jobs, their advocates say. President Trump’s budget officials also proposed significant cuts to federal aid that supports state-based legal organizations.

People with disabilities have the right to live in their own community if possible. Federal law and court decisions say they can attend school, work and go to restaurants, movie theaters and other public places. If you can find a lawyer, you can file legal challenges if those rights are denied.

Alison Berkoff, a health law professor at George Washington University, said federally funded lawyers are secretly working to bring the U.S. into compliance with promises made in the Americans with Disabilities Act and other laws.

“I think a lot of families of people with disabilities, and even a lot of people with disabilities themselves, didn’t know that until they Googled, ‘Where can I get help?'” said Berkoff, who helped lead these efforts under Presidents Joe Biden and Barack Obama.

Berkoff said the attorneys’ goals include making sure people with disabilities receive the services they need to live in their own homes rather than in nursing homes or other types of facilities.

“These people will be forced to leave their communities and families at a greater cost to taxpayers if these supports are stripped away,” she said.

State-based disability rights organizations are known as “protection and advocacy” organizations. Most of them are nonprofit organizations.

Congress approved the federally funded program in the 1970s after television journalist Geraldo Rivera exposed abuses at New York facilities for the mentally ill and mentally disabled, sparking a national backlash. President Donald Trump has proposed cutting the program’s federal funding from $148 million to $69 million in fiscal year 2026, according to the National Disability Rights Network, which represents state-based organizations.

The U.S. House and Senate appropriations committees recommended that Congress maintain funding at previous levels. But advocates for the agency worry that even if Congress maintains current support, the administration could try to cut support again in the future.

“It’s definitely going to put people in our communities at risk,” said Marlene Salo, executive director of the national network.

White House officials declined to comment on why the Trump administration proposed the deep cuts.

Isaac Schreier’s family can attest to the value of a state-based legal organization.

Isaac, 7, lives in Ankeny, Iowa. He has a rare disease called osteogenesis imperfecta, also known as brittle bone disease. The condition resulted in around 60 fractures in limbs, spine and skull. It can cause severe pain and may prevent you from walking.

Isaac’s disability is sometimes almost invisible, said his father, Jake Schreier. He walks a lot unless he has recently broken a bone in his leg. “But he gets tired much faster than you or I.”

Isaac’s doctors said he needed a special wheelchair that could be adjusted to different positions depending on the bones that were broken. However, the private insurance company managing his Medicaid coverage refused to pay for the $3,500 wheelchair.

“They needed evidence that it was a permanent, long-term condition,” Jake Schreier said. “We were very frustrated.”

Mr. Schreier appealed the denial but lost. A nurse at the specialty clinic then recommended that she contact Disability Rights Iowa, a federally funded protection and advocacy group that has helped other families in similar predicaments.

The group connected Mr. Schreier with two of his attorneys, who filed a new appeal. The lawyers wrote a detailed letter explaining why Isaac was legally entitled to use his new wheelchair, citing specific Iowa statutes and case law.

The insurance company eventually paid for Isaac’s special wheelchair.

This chair allows Isaac to participate in school and community activities even though he has a broken bone. “Day and night are exactly the same. I can’t imagine a world without that,” the father said.

People like disability rights lawyers may be needed again to fight for Isaac to keep him from being shunned by society, Schreier said. “We’re really trying to keep as many doors open for him as possible.”

The threat to state funding comes as the Trump administration seeks to force more mentally ill and addicted patients into facilities.

David Hutt, deputy executive director for legal services at the National Disability Rights Network, said the organization has legal authority to enter facilities where people with disabilities live to assess conditions and treatment. These facilities include state agencies and private nursing homes.

If President Trump succeeds in his efforts to institutionalize mentally ill people living on the streets, more Americans could end up living in such settings, Hutt said.

At the same time, states face cuts in federal funding for Medicaid, the public health care program for people with low incomes and disabilities. In response, they may be tempted to reduce Medicaid coverage of community care programs, many of which are considered discretionary under federal law, Hutt said. That would “require more institutionalization and actually cost more,” he said.

Disability rights organizations often intervene when states fail to provide the care and services to which disabled people are entitled. So do lawyers in the U.S. Department of Justice’s Civil Rights Division.

For example, the Iowa Disability Rights Group filed a lawsuit in 2023 alleging the state failed to provide adequate mental health resources to children in its Medicaid program. The state agreed to a settlement that advocates say could bring about “fundamental changes” to the system.

In 2021, the Department of Justice warned Iowa officials that a lack of support for community services meant too many people with intellectual disabilities had to live in institutions. State officials vowed to do more.

Jennifer Mattis, a top Justice Department official under the Biden administration, said many of the Justice Department’s most experienced disability rights lawyers have been bought out or reassigned to other fields since President Trump returned to power.

“We’re really understaffed right now,” said Mathis, now deputy director of the Bazelon Center, which advocates for the rights of the mentally ill.

Mattis said the overall civil rights division’s headcount has fallen to about 300 people, less than half of what it was during the Biden administration.

Harmeet Dhillon, the new director of the Civil Rights Division, told conservative commentator Glenn Beck in April that more than 100 lawyers had left the agency because they did not support President Trump’s priorities. “Our job here is to enforce federal civil rights laws, not woke ideology,” she told Beck.

In a statement to KFF Health News, Dillon said the department continues to be “a vocal and active advocate for Americans with disabilities.”

Dillon noted that the department recently sued Uber over complaints that the ride-hailing service was refusing customers with service dogs and wheelchairs. Reached agreements with Arkansas and North Carolina to improve treatment of incarcerated people with disabilities. A major bus company is also being investigated for allegedly failing to provide adequate facilities for people with disabilities.

The ministry declined to comment on its record regarding the number of lawyers working on disability rights issues. However, it is recruiting “civil rights warriors,” including lawyers, to join its civil rights division. Iowa parent Jake Schreier hopes the problem will be resolved nationally.

“I really can’t believe this is a partisan thing,” he said.

What you need to know about severe cold. How much snow is there? How cold will it get?

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More than 91 million Americans are facing cold weather warnings as arctic air hits much of the country on December 13th.

Cold weather warnings were issued for parts of at least 21 states, from Montana to northern Florida.

Meanwhile, 54 million people in several states in the Midwest and Northeast are under winter weather warnings.

The upper Midwest and Michigan are expected to see record low temperatures this weekend, with highs below freezing or in the single digits, the National Weather Service said. High temperatures in the teens are expected to be 20 to 30 degrees below average in the Midwest on Dec. 14.

The bitter cold will extend deep into the south. Wind chills are expected to reach 15 degrees, according to the National Weather Service in Jacksonville, Florida.

How cold will it get?

The coldest temperatures on Dec. 13 will be in the upper Midwest, northern Plains and Great Lakes regions, with highs ranging from -4 degrees Celsius in parts of Minnesota to mid-to-upper teens in colder-air-region suburbs. The National Weather Service predicted temperatures in the region could drop to -20 degrees overnight. High temperatures will be in the 20s to 30s in the Northeast.

On Dec. 14, Illinois and Wisconsin will see highs in the low single digits, while surrounding states will see highs in the low teens. The cold air will spread eastward, reaching Pennsylvania, New York and New England with high temperatures in the teens to low 20s.

Snow is expected to fall from the Northern Plains to the Ohio Valley on Dec. 13, and into the morning of Dec. 14 in the central Appalachians, mid-Atlantic and Northeast, the weather service said.

“Winter storm warnings and winter weather advisories are in effect from the Northern Plains to the Mid-Atlantic Coast,” the National Weather Service said in a statement.

See how much snow has fallen in America

Fernando Mendoza wins 2025 Heisman Trophy, becoming Indiana’s first winner

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NEW YORK – Indiana redshirt junior quarterback Fernando Mendoza won the school’s first Heisman Memorial Trophy as college football’s most outstanding player on Saturday night, capping the school’s first stunning comeback victory over the No. 1 seed Hoosiers in two years in this year’s College Football Playoff.

To say that Mendoza came out of nowhere to win this award is an understatement. That’s because he wasn’t on Heisman Trophy oddsmakers’ lists or the Big Ten Conference preseason honorees list.

None of that mattered, as the 22-year-old from Miami, Florida, completed 71.5 percent of his passes for 2,980 yards. He led the nation with 33 touchdown passes (an Indiana school record), ranked second in passer rating, and became the third Big Ten quarterback since 2000 to record at least four passing touchdowns and zero interceptions in three consecutive games.

Mendoza becomes the first Heisman winner from the Big Ten since Ohio State quarterback Troy Smith won in 2006.

Of course, it’s no surprise that a quarterback wins the Heisman Trophy, as 20 of the past 24 winners have played that position. Three Alabama players, running backs Mark Ingram (2009) and Derrick Henry (2015), wide receiver DeVonta Smith (2020), and last year’s winner, Colorado two-way star Travis Hunter, are the only non-quarterbacks to have their personal identities engraved on the 45-pound trophy’s nameplate.

Mendoza, who transferred from California to Indiana this offseason, received 643 first-place votes and 2,362 total points. Diego Pavia, who brought Vanderbilt, a lifelong basement-dweller to the spotlight and led it to its first 10-win season in 122 football seasons, finished second in the voting (189 first-place votes, 1,435 points).

Notre Dame running back Jeremiah Love was third (46, 719) and Ohio State quarterback Julian Sain was fourth (8, 432).

Mr. Mendoza received 95.16% of the total votes cast and won in all six voting regions.

Texas Tech linebacker Jacob Rodriguez finished fifth in the voting (receiving 17 first-place votes), followed by Ohio State wide receiver Jeremiah Smith, Georgia quarterback Gunner Stockton and Ole Miss quarterback Trinidad Chambliss. Ohio State safety Caleb Downs and Georgia Tech quarterback Haynes King rounded out the top 10.

Before returning to work and preparing for the College Football Playoff, where the top-seeded Hoosiers will face the winner of No. 8 Oklahoma and No. 9 Alabama in the Rose Bowl on Jan. 1, Mendoza, a full-time Master of Business Administration student at Indiana’s Kelley School of Business, spent the week collecting a number of other awards, including winning the Maxwell Award, Davey O’Brien Award and Walter Camp Award. He also won the AP College Football Player of the Year Award.

Mendoza’s path to the top of college football was a story in itself. Playing at Christopher Columbus High School, a Catholic private school, he was a two-star recruit and ranked by ESPN as the 72nd best quarterback prospect in his class. With only one Power Four scholarship offer available, Mendoza initially committed to Yale before shifting his focus to California.

He didn’t find immediate success after arriving in Berkeley, redshirting in 2022, but took over the next season and started the Bears’ final eight games. Over three seasons at Cal, he threw 30 touchdowns and achieved that success despite playing under three different offensive coordinators.

But with his younger brother Alberto already listed as a quarterback and earning a bachelor’s degree from the University of California in just three years, the move to Bloomington, 3,200 miles east, was an easy decision. And despite making the playoffs last season, Indiana still entered the season with the most losses in college football history, going 9-27 in the three seasons before coach Curt Cinetti took over, and hadn’t won a bowl game since 1991.

The Hoosiers, who have high expectations this season, were ranked 19th in the preseason AFCA Coaches Poll and dominated their first eight games, including a blowout road win over the then-No. 1 team. 3 Oregon sets the stage for Mendoza’s two Heisman moments.

On Nov. 8, the Hoosiers lost 24-20 to Penn State with 1:51 left in the fourth quarter. Despite being sacked on the first play of the drive, Mendoza completed four consecutive passes before making the final throw to Omar Cooper Jr. for a strike. Cooper Jr. made a spectacular catch in the back of the end zone for a 7-yard touchdown with 36 seconds left, capping off a 10-play, 80-yard drive and preserving his undefeated season.

In his biggest moment of the season against No. 1 Ohio State in the Big Ten Championship, Mendoza led Indiana on a key drive to start the second half, completing a 51-yarder to Charlie Becker and then throwing his only touchdown pass, a 17-yarder to Elijah Surratt.

He then sealed the game late in the fourth quarter, connecting with Becker again for a 33-yard gain and a third down, as Indiana ran out most of the clock and won its first Big Ten championship since 1967.

Now, Mendoza, the seventh transfer to win the Heisman in the past nine years, is trying to lead his team to another unprecedented feat: its first national championship.

Buffalo Bills remain in Providence hotel as police search for shooter

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The Buffalo Bills are in Providence for a potential AFC East championship game against the New England Patriots at Gillette Stadium on Sunday.

“The Patriots and Bills have been in contact since news of the shooting first broke,” The Athletic reported, adding that the Bills remained in a downtown hotel about a mile from campus after a gunman shot 10 people Saturday afternoon, killing two and injuring several others.

The gunman is not yet in police custody and more than 400 police officers are in Providence to assist in the investigation, Providence Mayor Brett Smiley said. As of 10 p.m., a shelter-in-place order remains in place in Providence.

Brown University’s Department of Public Safety issued a campus-wide alert at 4:22 p.m. on Saturday, Dec. 13, urging students and staff to run, hide, and (as a last resort) fight due to the presence of an “active shooter.”

The Patriots are scheduled to play the Bills at 1 p.m. Sunday at Gillette Stadium, about 40 miles southwest of Providence.

The Patriots posted a statement on social media at 7:09 p.m., saying the team was “heartbroken by the horrific events at Brown University” and expressed “our deepest sympathies to those affected and their families.”

Has anyone won the Powerball jackpot? See results for December 13th

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The Powerball jackpot increased to $1 billion for the drawing on Saturday, Dec. 13, after no one won the top prize on Wednesday, Dec. 10. Will this streak continue or has someone won?

So far, 2025 has been a historic year for Powerball. Back in September, two tickets sold in Montana and Texas won the game’s second-largest jackpot in history, at an estimated $1.787 billion.

Here’s what you need to know about last night’s Powerball winning numbers.

Powerball winning numbers for December 13, 2025

1-28-31-57-58 And Powerball: 16

The lottery winning numbers sponsors are: Jackpocket, USA TODAY Network’s official digital lottery delivery company.

Has anyone won Powerball?

USA TODAY will update if Powerball officials confirm the jackpot winner.

To find a complete list of past Powerball winners, go to Click on the link to the lottery website.

When is the next Powerball drawing?

The next drawing will take place on Monday, December 15th, just after 11pm ET.

What are the top 10 Powerball jackpots?

  • $2.04 billion – acquired in California on November 7, 2022
  • $1.787 billion – won in Montana and Texas on September 6, 2025
  • $1.765 billion – acquired in California on October 11, 2023
  • $1.586 billion – acquired on January 13, 2016 in California, Florida, and Tennessee
  • $1.326 Billion – Earned in Oregon on April 6, 2024
  • $1.08 billion – acquired in California on July 19, 2023
  • $1 billion – no winner yet
  • $842.4 million – earned in Michigan on January 1, 2024
  • $768.4 million – sold in Wisconsin on March 27, 2019
  • $758.7 million – sold in Massachusetts on August 23, 2017

How to play Powerball

To play Powerball, you must purchase a $2 ticket. 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.

Once you have your ticket, you have to choose six numbers. Five of them are white balls with numbers from 1 to 69. The red Powerball range is 1-26. You can also add a “Power Play” for $1, which increases your winnings on all non-jackpot prizes.

“Power Play” multipliers allow you to increase your winnings by 2x, 3x, 4x, 5x, or 10x.

If you’re feeling unlucky or just want to let the computer do the work for you, you can take advantage of the “Quick Pick” option, where a computer-generated number is printed on your Powerball ticket. To win the jackpot, players must match all five white balls with the red Powerball in any order.

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

Where to buy lottery tickets

Tickets can be purchased directly at gas stations, convenience stores, grocery stores, etc. Some airport terminals may also sell lottery tickets.

You can also order tickets online Jackpocket, USA TODAY Network’s official digital lottery delivery companythese states and territories of the United States: Arizona, Arkansas, Colorado, Idaho, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, Oregon, Puerto Rico, Washington DC, and West Virginia. The Jackpocket app allows you to select your lottery games and numbers, place your order, view your tickets, and claim your winnings, all from your phone or home computer.

Jackpocket is the official digital lottery carrier of USA TODAY Network. Gannett may earn revenue from viewer referrals to the Jackpocket Service. Must be 18 years or older, 21 years or older in Arizona, 19 years or older in Nebraska. Not affiliated with any state lottery. Gambling problem? Call 1-877-8-HOPE-NY or text HOPENY (467369) (NY). 1-800-327-5050(MA); 1-877-MYLIMIT (OR); 1-800-981-0023 (PR); 1-800-GAMBLER (ALL OTHERS). visit jackpocket.com/tos Over the entire period.

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_.

Indiana’s Fernando Mendoza wins award

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College football’s oldest individual honor was bestowed on its newest recipient this weekend.

And the person who put it up also made a bit of history.

Indiana quarterback Fernando Mendoza has won the 2025 Heisman Trophy, announced Saturday, Dec. 13, at the conclusion of a ceremony held in the Appellate Room at the Jazz at Lincoln Center in New York City.

Watch the Heisman Trophy Ceremony Live with Fubo (Free Trial)

Mendoza won the honor over fellow Heisman finalists Vanderbilt University quarterback Diego Pavia, Notre Dame running back Jeremiah Love and Ohio State University quarterback Julian Sain.

Mendoza becomes the first Indiana player to win the Heisman.

Pavia took second place with 1,435 points to Mendoza’s 2,392 points, while Love and Sane took third and fourth respectively.

All four finalists were from teams that won at least 10 games this season. With Mendoza’s win, quarterbacks now have 13 of the past 16 Heisman winners. Love is the latest running back since Derrick Henry in 2015 to have a ball carrier fail to win the award.

USA TODAY Sports provided live updates from the Heisman Trophy ceremony. The main points are:

This section will be updated during the show.

Here are some highlights of Fernando Mendoza’s Heisman acceptance speech. That includes recognizing his mother, who has multiple sclerosis, and giving a speech in Spanish to his grandparents (Mendoza is of Cuban descent and grew up in Miami).

Fernando Mendoza ranks first in Heisman Trophy voting, followed by Diego Pavia, Jeremiah Love and Julian Sane. Here is the complete result:

  1. Fernando Mendoza:2,392 points (1st place 643 points)
  2. Diego Pavia:1,435 (189)
  3. jeremiah love:719(46)
  4. Julian Sane:432(8)
  5. jacob rodriguez:295(17)
  6. jeremiah smith:84(4)
  7. gunner stockton:43(3)
  8. trinidad chambliss:23(2)
  9. caleb downs:22(2)
  10. haynes king:18(2)

The Heisman Trophy will go to Indiana quarterback Fernando Mendoza. In his first year with the Hoosiers from California, Mendoza threw for 2,980 yards, an FBS-leading 33 touchdowns, and six interceptions for Indiana, the No. 1 overall seed in the College Football Playoff.

He is Indiana’s first Heisman winner.

A great quarterback is nothing without a great offensive line. Diego Pavia knows that too, as he accompanied Vanderbilt’s offensive line to New York City for the Heisman Trophy ceremony.

The Heisman ceremony lasts an hour, and awards are typically presented with about 10 to 15 minutes left in the program.

Here’s what Ohio State quarterback Julian Sane is wearing to the Heisman Trophy ceremony.

This is what Notre Dame running back Jeremiah Love wore to the Heisman Trophy ceremony.

Here’s what Vanderbilt quarterback Diego Pavia wears to the Heisman Trophy ceremony (the guy looks like he wore the suit to appear on the cover of Death Row Records magazine in the 1990s):

Here’s what Indiana quarterback Fernando Mendoza is wearing to the Heisman Trophy ceremony.

According to BetMGM, the Heisman Trophy odds are as follows, with Fernando Mendoza standing as the favorite heading into the ceremony.

  • Fernando Mendoza, -1200
  • Diego Pavia, +700
  • Jeremiah Love, +15000
  • Julian Sane, +50000

The University of Southern California has the most Heisman Trophy winners of any university, with eight. Caleb Williams in 2022 gave the Trojans their newest Heisman receiver. Williams became the fourth USC player to win the Heisman since 2002.

If Jeremiah Love or Julian Sain win the award, Notre Dame or Ohio State could tie the Trojans tonight.

The top five schools with the most Heisman winners are:

  • 1.USC, 8
  • T-2. ohio state university, 7
  • T-2. Notre Dame Cathedral, 7
  • T-2. Oklahoma State, 7
  • 5. Alabama, 4

There are four finalists for the Heisman Trophy.

  • Indiana QB Fernando Mendoza
  • Vanderbilt QB Diego Pavia
  • Notre Dame RB Jeremiah Love
  • Ohio State QB Julian Sain

These four received the most votes for the award, but the winner will not be announced until tonight. The remaining top 10 are as follows.

  • 5. Texas Tech LB Jacob Rodriguez
  • 6. Ohio State WR Jeremiah Smith
  • 7. Georgia QB Gunner Stockton
  • 8. Mississippi State QB Trinidad Chambliss
  • 9. Caleb Downs, Ohio State University
  • 10. Georgia Tech QB Haynes King

What time does the Heisman Trophy award ceremony start?

  • date: Saturday, December 13th
  • time: 7pm ET
  • where: Jazz in the Appellate Room of Lincoln Center (New York City)

The Heisman Trophy ceremony is scheduled to begin on Saturday, December 13th at 7:00 PM ET in the Appellate Room at Jazz at Lincoln Center in New York City.

What TV channel will today’s Heisman Trophy Award Ceremony be on?

The Heisman Trophy ceremony will be broadcast on ABC. Streaming options for games include Fubo, which carries ABC and offers free trials to new subscribers.

Heisman Trophy predictions

Craig Mayer, USA TODAY Sports: Fernando Mendoza

No player in this country is more important to the team than Diego Pavia, but Mendoza is putting up impressive and effective numbers while being the quarterback of the No. 1 team in the country, and will likely come out on top in what should be a close race.

Search for the JonBenét Ramsey murderer who is still active. new evidence gathered

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In their annual update, police called on anyone with information to come forward, but did not release information about what new evidence had been collected.

Nearly 30 years after JonBenét Ramsey’s mysterious murder, Colorado State Police say her unsolved case remains a top priority.

In its annual report, the Boulder Police Department called on anyone with information about the 1996 murder of a 6-year-old beauty queen in her childhood home to come forward. Ramsey’s murder has captivated audiences around the world for decades.

Police Chief Stephen Redfern said detectives conducted several new interviews over the past year based on information received and also collected and reviewed new evidence. No information was released about what new evidence had been collected.

Meanwhile, police re-interviewed people and re-examined other evidence, especially using evolving DNA technology.

“It’s not too late for those who know about this horrific crime to come forward and I encourage those responsible for this murder to contact us,” Mr Redfern said in a pre-recorded video on December 12.

On the morning of December 26, 1996, John and Patsy Ramsey called 911 after finding a ransom note for their missing daughter. Later, John Ramsey found JonBenét Ramsey dead in the basement of his home.

An autopsy revealed the cause of her death was strangulation and that she had been sexually assaulted. Her skull was also fractured. DNA from an unknown person was found under her fingernails and on her underwear.

Patsy Ramsey passed away in 2006, 10 years after her daughter’s death. In 2008, local prosecutors released his family, including his brother, as suspects after DNA testing.

Redfern, who joined the department in 2021 and became chief in 2024, said in the video that he met with JonBenét Ramsey’s family and that they shared the same goal of finding the girl’s killer. Boulder Police are asking anyone with information to contact BouldersMostWanted@bouldercolorado.gov or the police tip line at 303-441-1974.

Powerball winning numbers for December 13th drawing: $1 billion jackpot

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The Powerball jackpot rose to $1 billion for the drawing on Saturday, Dec. 13, after no one won the top prize on Wednesday, Dec. 10.

If the ticket matches all five numbers and the Powerball in the 11 p.m. ET drawing, the winner can elect a one-time cash payment of $457.7 million before taxes.

So far, 2025 has been a historic year for Powerball. Back in September, two tickets sold in Montana and Texas won the game’s second-largest jackpot in history, at an estimated $1.787 billion.

Here’s what you need to know about winning numbers.

Powerball winning numbers for December 13, 2025

Winning numbers for Saturday, December 13th will be posted here after the drawing.

The lottery winning numbers sponsors are: Jackpocket is the official digital lottery carrier of the USA TODAY Network.

Has anyone won Powerball?

Powerball winners will be posted here as soon as they are announced by lottery officials.

To find a complete list of past Powerball winners, go to Click on the link to the lottery website.

When is the next Powerball drawing?

The next drawing will take place on Monday, December 15th, just after 11pm ET.

How to play Powerball

To play Powerball, you must purchase a $2 ticket. 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.

Once you have your ticket, you have to choose six numbers. Five of them are white balls with numbers from 1 to 69. The red Powerball range is 1-26. You can also add a “Power Play” for $1, which increases your winnings on all non-jackpot prizes.

“Power Play” multipliers allow you to increase your winnings by 2x, 3x, 4x, 5x, or 10x.

If you’re feeling unlucky or just want to let the computer do the work for you, you can take advantage of the “Quick Pick” option, where a computer-generated number is printed on your Powerball ticket. To win the jackpot, players must match all five white balls with the red Powerball in any order.

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

Where to buy lottery tickets

Tickets can be purchased directly at gas stations, convenience stores, and grocery stores. Some airport terminals may also sell lottery tickets.

You can also order tickets online Jackpocket, USA TODAY Network’s official digital lottery delivery companythese states and territories of the United States: Arizona, Arkansas, Colorado, Idaho, Maine, Massachusetts, Minnesota, Montana, Nebraska, New Hampshire, New Jersey, New York, Oregon, Puerto Rico, Washington DC, and West Virginia. The Jackpocket app allows you to choose your lottery games and numbers, place your order, check your tickets, and claim your winnings, all using your phone or home computer.

Jackpocket is the official digital lottery carrier of USA TODAY Network. Gannett may earn revenue from viewer referrals to the Jackpocket Service. Must be 18 years or older, 21 years or older in Arizona, 19 years or older in Nebraska. Not affiliated with any state lottery. Gambling problem? Call 1-877-8-HOPE-NY or text HOPENY (467369) (NY). 1-800-327-5050(MA); 1-877-MYLIMIT (OR); 1-800-981-0023 (PR); 1-800-GAMBLER (ALL OTHERS). visit jackpocket.com/tos Over the entire period.

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_.

Two US soldiers and one interpreter killed in Syria, Pentagon says

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President Donald Trump said the United States would retaliate after three U.S. military personnel — two Army soldiers and a civilian interpreter — were killed by suspected Islamic State assailants.

The US military said the attackers targeted a convoy of US and Syrian troops.

According to U.S. Central Command, three other U.S. soldiers were injured.

Iowa Governor Kim Reynolds announced that the two soldiers who died were members of the Iowa National Guard.

The attack comes as the United States and Syria’s new government, led by interim President Ahmed al-Sharah, seek closer ties, more than a year after rebels overthrew President Bashar al-Assad, who has become known as one of the world’s most brutal autocrats.

Since then, the United States and Syria have cooperated on counterterrorism actions, which President Trump said would help respond to Saturday’s killings.

“There will be very serious retaliation,” Trump said in a post on Truth Social.

Central Command said in a statement that the lone attack occurred in the central Syrian town of Palmyra “while soldiers were conducting an engagement with key leaders.” U.S. Defense Secretary Pete Hegseth wrote in a social media post that “partner forces” killed the attackers.

The Islamic State group did not immediately claim responsibility, but a senior U.S. government official said initial assessments indicate the extremist group likely carried out the attack. Officials said the incident occurred in an area not under Syrian government control.

The U.S. military said the soldier’s name will not be released until 24 hours after next of kin has been notified.

Syria’s state news agency SANA, citing security sources, said two Syrian soldiers were injured, but did not provide further details. The official told SANA that U.S. military helicopters evacuated the wounded to a U.S. military base in Syria’s al-Tanf region near the Iraqi border.

Tom Barrack, the US ambassador to Turkey and special envoy to Syria, condemned the attack.

“We mourn the loss of three brave American servicemen and civilians, and wish a speedy recovery to the Syrian soldiers injured in the attack,” Barrack said in a statement. “We remain committed to defeating terrorism with our partners in Syria.”

The attack came just a month after Syria announced it had signed a political cooperation agreement with the U.S.-led coalition against Islamic State, which coincided with a visit to the White House by Syrian President Ahmed al-Shalah.

The coalition has carried out airstrikes and ground operations targeting Islamic State suspects in Syria in recent months, often involving Syrian security forces. Syria also launched a nationwide campaign last month, arresting more than 70 people suspected of having ties to the group.

The United States has troops stationed in northeastern Syria as part of a decade-long effort to support Kurdish-led forces in the region.

(Reporting by Syria Secretariat and Idris Ali; Additional writing by Raphael Sutter; Editing by Timothy Heritage, Alexander Smith, Sergio Nonn and Alistair Bell)

(Contributed by: Reuters)

(This story has been updated to include video.)

Vintage Pontiacs are disappearing, but enthusiasts are finding them

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It took me a while to understand why my comments about vintage Pontiacs in my recent My Favorite Ride column were heard from so many people across the United States via text and email.

One of them featured Jim Biddle and his cool 1951 Pontiac Chieftain. By the way, thank you for letting me know that the car had a straight-eight (also known as an inline-eight) rather than a V8 engine under the hood. Pontiac didn’t offer a V8 until 1955.

Another question was why we don’t see many vintage Pontiacs on the streets or at car shows. “Where did all the vintage Pontiacs go?” was the first sentence.

The column ended with, “Does anyone have a 1940s or 1950s Pontiac? Want to check it out? Send us a photo.”

You all complied with that request.

These two columns appeared in Gannett newspapers across the country as part of USA TODAY’s article network, and appeared in all corporate newspapers. I work for a small newspaper in southern Indiana, covering crime and automobiles. This column usually doesn’t run this long.

But we don’t know where My Favorite Rides will end up or why certain rides go viral.

Are these Pontiac focused? The virus doubles.

I couldn’t have predicted something like this. And he apologized to Jim Biddle, who had agreed to let him write about the Chieftain, whom he has owned for 46 years, and made it clear that he was not one to seek the spotlight. “Few people read newspapers anymore,” I assured him.

So wrong.

I heard this from a Pontiac owner in Baltimore, Maryland. Bozeman, Montana. El Paso, Texas. New Orleans, Louisiana. Cocoa Beach, Florida and Canal Winchester, Ohio. Readers from Vancouver and Spokane, Wash., 345 miles away, contacted me after reading columns in their local newspapers, The Columbian and Spokesman-Review.

oh. The headline for this article should be, “A local woman’s quirky car column goes national and makes USA TODAY.”

Joel Steadifor sent me two photos of his 85-year-old classic Pontiac and shared my lament about the dearth of older, older Pontiac cars.

“I think the same thing a lot. I happen to drive a 1940 Pontiac Special Deluxe Coupe, and I’m usually the only pre-’50s Pontiac at the shows I go to,” he said.

“Pontiac parts are pretty hard to find, but I love my car and have never seen a ’40 coupe restored to its original condition like mine. I’ll include a few photos of ‘Beatrice.’ I hope you enjoy watching it. Keep the light burning for vintage Pontiacs (pre-60s!). ”

A lot of great pictures of Pontiacs have come my way. Some are included here.

We’re talking about a 1954 Star Chief, a top-of-the-line 1960 Bonneville convertible, a jet black two-door 1962 Catalina, a 1951 Chieftain, a 1954 Chieftain Custom Catalina, a 1954 Chieftain Special Station Wagon, a 1951 Tin Woody Station Wagon, and a 1940 Special Deluxe named Beatrice. Coupe, 1929 Special Deluxe Coupe. Roadster and two-tone 1955 Pontiac Starchief convertible. A cherry red 1948 convertible located in Bloomington, Indiana.

There may be more columns by the time this column is published.

As Joel Stedifor suggested, I think I’ll keep the light burning for vintage Pontiacs. You need to track down the stories behind these amazing cars. Please bring them to me.

Want to talk about cars and trucks? Contact reporter Laura Lane at llane@heraldt.com or 812-318-5967.

Brown University shooting suspect, man in black. what we know

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  • At least two students were killed and eight others were injured in a shooting at Brown University.
  • Police are searching for a male suspect who was dressed all in black.
  • Authorities are asking anyone with information or security camera footage to contact 9-1-1.

At least two people were killed and eight others were injured in the Dec. 13 mass shooting at Brown University. Law enforcement is still searching for the suspect.

Providence Police Deputy Chief Tim O’Hara told the media at a news conference that the gunman was known to be male and was wearing all black clothing.

O’Hara and Providence Mayor Brett Smiley said law enforcement is actively searching for the suspect, who exited the Barth and Hawley engineering building onto Hope Street.

Police are conducting forensic tests, reviewing surveillance footage and speaking to witnesses to obtain more information about the suspect.

Here’s what we know about the suspect:

Brown University shooting suspect is a man wearing all black

Little is known about the suspect, but law enforcement has shared this.

The shooters were:

How did the Brown University shooter get into the building?

O’Hara said it is unclear how the shooter suspect entered the Barth and Hawley Engineering Building at 184 Hope St., but it is known that he exited the building onto Hope Street.

Is there only one shooter?

Law enforcement officials told the media that the only information they have at this time is that there is only one shooter. However, Mr Smiley warned at the beginning of the press conference that the situation is evolving and could evolve further.

What should I do if I might know something about the Brown University shooting suspect?

Smiley urged anyone who knows anything about the shooter or the shooting to call 911, especially if they are a student or “adult” on Brown University’s campus.

Anyone who has security cameras near the Barth and Hawley building or on Hope Street, including residents and businesses, should review their camera footage to see if anything was captured before or after the shooting, officials said.

Was the suspect in custody?

Smiley said there was initially incorrect information that the shooter was in custody.

He said the confusion was caused by the fact that he had detained someone beforehand. However, that person was not the shooter and was released.

The shooter is not in custody.

This is a developing story.