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Why do Bitcoin and cryptocurrencies crash? Reasons behind a bad month

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Cryptocurrencies are having a bad, bad, bad, very bad month, and it could get much worse before it gets better, experts said.

Cryptocurrencies have plummeted this month, losing more than $1 trillion in value in recent weeks. Bitcoin has fallen to its lowest level since April, entering its worst month since 2022. It is down more than 33% from its all-time high of over $126,000 in early October, pushing the digital sector into bear market territory, officially defined as at least 20% below its all-time high.

Experts say Bitcoin is down about 10% so far this year, and further selling is likely, which could result in its first annual loss since 2022. As of 1:29 p.m. ET, Bitcoin was down 3.18% at $83,776.81.

“It seems like we are in the early stages of a decline process,” said Hyunsoo Jeong, CEO of crypto-listed company Hyperion Defy.

Why are virtual currencies including Bitcoin plummeting?

Analysts said a variety of factors contributed to the cryptocurrency’s weakness. Cryptocurrencies tend to trade in conjunction with riskier growth stocks such as artificial intelligence and technology, which have also taken a hit recently amid concerns about high valuations and an uncertain economy.

“It would be difficult to attribute the sale to a single factor,” Jung said. “In the current state of the market, risk assets in stocks and cryptocurrencies are both on a downward trend. This is due to multiple factors, including the possible depletion of AI trading.”

Global interest rate uncertainty and cash-out moves by other large crypto holders, such as corporate digital asset vaults and investment firm BlackRock, are also weighing on cryptocurrencies, Jung said.

How that first sale turned into a frenzy

This initial decline pushed cryptocurrencies such as Bitcoin to several technical support levels on the price chart, triggering a series of sell-offs among trend followers, further exacerbating the decline.

Specifically, according to Tom Essay, founder and president of Sevens Report Research, the key signals that drive more sales are:

  • When Bitcoin rose in October, the Relative Strength Index (RSI), which measures the strength of price fluctuations, did not rise along with the digital currency and continued to suggest a downside.
  • Bitcoin broke through a key support level at $106,000, further fueling a very heavy sale. He said the sell-off was “not due to short-term traders, but due to long-term investors exiting the market.” “The trend of high volume on slow days has continued to date, with some of the highest volume regions experiencing a 4.4% decline in the second half of 2025.”

What does this mean for investors?

Some analysts warned that the sharp decline could lead to further sales growth. “Concerns about another wave of forced sales have been reignited amid concerns that retail investors may have to unload other assets to meet margin calls,” said Jim Reid, an economist at Deutsche Bank. A margin call is when a securities company requests investors to deposit additional money or securities to make up for a shortfall that occurs during a sudden price decline.

Once the dust settles, some experts say investors with strong stomachs may get in on the action, though no one can say when that will be yet.

After reviewing a company’s 13F, or Securities and Exchange Commission forms required for institutional investment managers that oversee at least $100 million in assets under management, George Smith, portfolio strategist at LPL Financial, found that “the significant increase in cryptocurrency-related products and blockchain mining companies (underscores) the growing demand among institutional investors for digital assets.”

This could bode well for cryptocurrencies, as institutional investors are often considered the “smart money.”

Again, “no one should invest beyond their risk tolerance,” said David Namdar, CEO of CEA Industries, the largest corporate holder of the Binance Coin cryptocurrency. “Historically, however, long-term value is often created in moments like this, when sentiment is low and volatility is high. People looking to invest need to think in terms of years, not days, and need to understand the inherent volatility of an asset.”

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 through Friday morning.

Marjorie Taylor Greene announces resignation following feud with President Trump

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Greene’s resignation from Georgia’s 14th Congressional District comes amid a spat with the president over the release of Jeffrey Epstein files.

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Congresswoman Marjorie Taylor Greene, an early and ardent supporter of President Donald Trump and his Make America Great Again policy, plans to resign in January.

“I return to my loved ones, live my life to the fullest as I have always done, and look forward to a new path forward,” she wrote on social platform

Greene’s move to resign from Congress comes amid an ongoing feud with Republican leadership over the release of files related to disgraced financier and convicted sex offender Jeffrey Epstein.

Notably, Greene, who represents Georgia’s 14th Congressional District, broke ranks to force a vote on the Epstein file disclosure bill ahead of her fellow Republicans.

“As a member of Congress, I have always represented ordinary American men and women, which is why I have always been despised and never fit in in Washington, D.C.,” Greene said in a statement posted to

“I have too much self-respect and dignity, and I love my family too much, and I don’t want my sweet district to endure a hurtful and hateful primary against me only to win my election by the president we all fought for, while the Republicans are likely to lose the midterm elections.”

Conflict between Greene and Trump

President Trump’s spat with Rep. Marjorie Taylor Greene has reached a climax in recent days, with the president withdrawing his support for the Georgia Republican and giving her a nickname. This is usually an act given to the most bitter political opponents.

“All ‘weird’ Marjorie is doing is complaining, complaining, complaining!” Trump wrote on social media, referring to concerns raised by Greene about her focus on foreign policy, the government shutdown and the controversy surrounding sex trafficker Jeffrey Epstein.

Greene came to Congress with a reputation for supporting the conspiratorial QAnon movement. She was sworn in days before the Jan. 6, 2021, attack on the U.S. Capitol by a mob of Trump supporters and has been an outspoken supporter of the theory that the 2020 presidential election was stolen.

The Georgia lawmaker was the most outspoken advocate of forcing the Justice Department to release investigative files on the late sex trafficker Epstein, despite opposition from Epstein’s former friend Trump. At a Sept. 3 press conference, she framed the issue around sexual abuse, right and wrong, and what she called Epstein’s powerful “cabal cabal.”

Greene grew up in the Atlanta suburbs and has three adult children, who he often mentions in policy discussions about the next generation. For many years, she was a co-owner of the construction company her father founded in northwest Georgia.

heartbreaking reaction

Jackie Harling, the Walker County Republican Party chairwoman in Greene’s district, cried when she heard the news. Walker has known Greene since 2021 and said she is not only liked but loved in the district.

“The people of northwest Georgia lost a fighter today, but we didn’t demote her just because she failed us,” Harling told USA TODAY. “We lost her because the swamp couldn’t handle a strong woman who spoke the truth and refused to bow to one party.”

Rep. Thomas Massey, a Kentucky Republican who is friends with Greene and has sponsored many bills with her, said he was sad for the country but happy for his friend.

“I will miss her so much,” Massey wrote on social media. “She embodies what a true representative should be. Everyone should read her statement. There is more honesty expressed in these four pages than most politicians say in a lifetime.”

Representative Ro Khanna, a liberal Democrat and lead sponsor of the Epstein file disclosure bill, praised Greene’s “courageous stand” toward women who survived Epstein’s abuse.

“No one should have to pay the price for putting the will of the people before President Trump’s political machine,” Khanna said.

Why did Mr. Green resign?

Greene announced her resignation in a lengthy four-page statement, skewering Congress for being dependent on making money rather than the concerns of ordinary Americans.

“No matter which way the political pendulum swings, Republican or Democratic, nothing will get better for ordinary American men and women. The debt will only increase. Corporate and global interests remain Washington’s sweetheart,” Greene said, placing additional blame on “illegal labor,” “big business,” and “foreign interests.”

“The average American family can no longer survive on one breadwinner’s income; both parents must work to survive. And today, many of my children’s generation feel hopeless about their future and don’t believe they can achieve the American Dream. This breaks my heart.”

Greene, who represents a district in northwest Georgia, was elected in 2020 on a wave of populist support. She has since become known as one of the most outspoken members of Congress, and until recently was a close supporter of Trump.

She has spent months on television confronting men in her own party and the president who inspired her candidacy. She broke with Republican leadership, went head-to-head against President Donald Trump, and helped force a Congressional vote to release the Justice Department’s Jeffrey Epstein files.

And she didn’t back down when President Trump lashed out at her in an 11th-hour pressure campaign. He accused Greene of being a “traitor,” using language that “radicalizes people and has the potential to put my life in danger.”

What else does Greene say about his resignation?

“I missed out on precious time with my family that I can never get back,” Green said in the X post. She said she had to leave her mother’s side while her father underwent brain surgery to remove cancer so she could go to Congress and vote against impeaching President Trump.

“My self-worth is not defined by humans, but by God, the creator of everything that exists,” Green said.

In 2025, layoffs will become widespread. Here’s a look at which companies have made staff cuts.

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According to a recent report, 2025 is the worst year for announced layoffs since 2009.

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From technology to Hollywood to retailers to utilities, U.S. companies are ramping up layoffs and layoffs starting in 2024 as they focus on cutting costs and leaner operations in a tough economic environment.

Employers cut more than 150,000 jobs in October, the largest wave of layoffs in more than 20 years, according to a Nov. 6 report in Challenger, Gray & Christmas.

Companies point to a myriad of reasons for layoffs, from AI to tariffs to corporate restructuring.

Andy Challenger, chief revenue officer at Challenger, Gray & Christmas, said in a statement: “Some industries are correcting course after the pandemic-induced hiring boom, as the adoption of AI, softening consumer and business spending, and rising costs are driving tightening and hiring freezes.”

The outplacement agency says 2025 is the worst year for announced layoffs since 2009, Challenger said, adding: “Those currently laid off are finding it harder to secure new jobs quickly.”

U.S. employers added 119,000 jobs in September, but the unemployment rate rose to 4.4% from 4.3% in August, its highest level in nearly four years, according to the jobs report released Nov. 20.

Here are some companies that have recently announced layoffs.

Amazon

Amazon announced on October 28th that it is cutting thousands of corporate jobs, confirming reports that began circulating on October 27th.

A memo posted on the company’s website and signed by Beth Galetti, Amazon’s senior vice president of people experience and technology, says Amazon aims to reduce “approximately 14,000 roles across its internal workforce.”

Amazon had approximately 1.5 million full-time and part-time employees as of December 2024, according to its annual report. The company has approximately 350,000 employees.

conocophilips

In early September, U.S. oil giant ConocoPhillips informed employees that it would cut “20 to 25 percent” of its global workforce as part of a broader restructuring.

Dennis Nass, director of media relations for ConocoPhillips, told USA TODAY at the time that the job cuts were part of “looking at how we can efficiently utilize the resources that we have,” and that the majority of the job cuts would occur in 2025.

The drop in oil prices has led to layoffs across the industry, with BP confirming it would cut 5% of its workforce in January, Chevron reporting 20% ​​job cuts in February, and oil services company SLB also announcing job cuts in the same month.

general motors

General Motors announced in October that it would cut U.S. electric vehicle and battery production, cutting 1,200 factory jobs at its EV plant in Detroit and 550 jobs at its battery plant in Ohio.

It added that it will suspend battery cell production at its two joint venture battery factories in the United States in Tennessee and Ohio for about six months starting in January, and will lay off about 1,550 employees.

The auto industry has seen a decline in demand for electric vehicles since the $7,500 federal tax credit was repealed in September.

paramount

Media giant Paramount has laid off employees on several occasions prior to and since its acquisition by tech mogul Larry Ellison.

According to the Los Angeles Times, Ellison announced 1,600 job cuts during a conference call with investors on Nov. 10. These job cuts are on top of 1,000 job cuts announced in October, the paper said.

Financial disclosures in November showed about 600 people left the company due to the mandate to return to the office, and CNBC reported that the company cut 3.5% of its workforce in June before the merger with Paramount and Ellison’s Skydance.

target

Target said it plans to cut an estimated 1,800 corporate jobs to make up for the retailer’s weak sales. Target CEO Michael Fidelke announced the layoffs in a memo to Target employees at the company’s headquarters in Minneapolis, CNBC and CNN reported.

According to CNN, the layoffs are Target’s first major layoffs in 10 years.

The layoffs are a combination of about 1,000 employee layoffs and about 800 unfilled positions, representing about an 8% reduction in Target’s corporate workforce, according to CNBC. Despite the company’s layoffs, Target confirmed that its stores and retailers’ roles in the supply chain were not affected.

UPS

UPS reported in its financial disclosure that it cut its workforce by 48,000 people this year.

The delivery giant said in its Oct. 28 8-K filing that it has cut about 34,000 operational jobs, including drivers, and an additional 14,000 from management positions under a consolidation and cost-cutting plan.

UPS Chief Financial Officer Brian Dykes said on an earnings call that the reductions included voluntarily acquired full-time drivers, 90% of whom left the company as of Aug. 31.

verizon

Verizon will lay off more than 13,000 employees companywide, CEO Dan Schulman told employees on Thursday, Nov. 20.

In an internal memo previously obtained by USA TODAY, Schulman informed employees on Nov. 20 that more than 13,000 employees would be laid off due to “limitations in our cost structure.”

Verizon spokesman Kevin Israel told USA TODAY that the layoffs will affect about 70,000 employees, or about 20% of the company’s non-union management team. Israel added that the job cuts were not targeted at any particular area of ​​the company.

Schulman said in the memo that Verizon has established a $20 million reskilling and career transition fund for those affected by the layoffs. Schramm said the fund will focus on “skills development, digital training and job placement to help employees take the next step.”

Contributors: Greta Cross, Rachel Barber, Jessica Gunn, Melina Kahn, Jonathan Limehouse, USA TODAY. Reuters

Five key takeaways from Mamdani and Trump’s White House Oval Office meeting

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The warm sentiments were in stark contrast after months of battle in the press and on social media.

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WASHINGTON – The Oval Office meeting between Donald Trump and New York Mayor-elect Zoran Mamdani turned out to be a surprising celebration of love between the two New Yorkers.

On November 21, Republican President Trump, a 79-year-old billionaire, warmly clapped Mamdani’s hand several times. Mamdani, a 34-year-old democratic socialist, stood next to the seated president. Mamdani, a state representative from Trump’s home borough of Queens, mentioned several times how well Trump did in the 2024 presidential election in that city.

The warm sentiments were in stark contrast after months of battle in the press and on social media. President Trump has previously called for Mamdani’s arrest if he does not cooperate with the government’s sweeping crackdown on immigration, and has also said he would not provide federal funds to New York over Mamdani’s left-wing politics. Mamdani called Trump a fascist and said in his victory speech that he was ready to confront the president head-on, including on immigration issues. (President Trump has repeatedly restricted entry from Muslim-majority countries, but Mamdani will be New York City’s first Muslim mayor.)

In their first meeting, Trump said he would be happy to live with Mamdani in New York, but Mamdani said he looked forward to working with Trump to improve affordability in their shared hometown.

“I’m looking to help him, not hurt him. It’s going to be a big help, because I want New York City to be great,” Trump said.

“It was a productive meeting that focused on New York City, a place of shared admiration and love, and the need to provide affordability for New Yorkers,” Mamdani told reporters earlier.

Here are some important points.

Mr. Mamdani was not bullied like Mr. Zelensky, but welcomed like MBS.

President Trump noted that the media enthusiasm for Mamdani’s first visit to the White House exceeded the attention given to his meetings with many foreign leaders.

But Mr. Trump has shown a knack for making a spectacle out of his meetings with these leaders, by humiliating them and lavishing them with praise.

Ukrainian President Volodomyr Zelenskiy has been criticized by President Trump and Vice President J.D. Vance for not wearing a suit and for not adequately appreciating U.S. aid during the nearly four-year war with Russia. But just recently, President Trump held a heated White House meeting for Saudi Arabia’s Crown Prince Mohammad bin Salman, also known as MBS. President Trump defended his guest when asked about the US intelligence community’s finding that MBS orchestrated the murder of Washington Post reporter Jamal Khashoggi.

Mamdani was treated like a prince.

Neither he nor Trump took the bait when reporters encouraged them to attack each other. Mamdani was asked whether he thought Trump was a fascist. As Mamdani began to respond, Trump interjected.

“It’s okay, just say ‘yes,'” President Trump said. “It’s easy. It’s easier than explaining. I don’t care.”

President Trump patted Mamdani on the arm.

Surprising areas of agreement on affordability

Mamdani, who originally called the meeting, said he would discuss with the president how to address New York’s high cost of living. He followed that strategy despite disagreements over issues such as federal budget cuts and Immigration and Customs Enforcement in the city.

Both Trump and Mamdani were elected in part because of their focus on lowering the cost of living. Mamdani has pledged to build 200,000 affordable housing units and supports allowing more market-rate housing to be built in high-income areas.

“Some of his ideas are the same as mine,” the president said. “He wants to see house prices go up, lots of housing built, apartments built…People will be shocked, but I want to see the same thing.”

Just over a year ago, Mamdani went viral on social media after speaking to New Yorkers about why she voted for Trump. Mamdani, microphone in hand, visited the immigrant-heavy, non-white, working-class neighborhoods of the Bronx and Queens, the areas that were most tilted toward Trump.

Mamdani asked them about voting and whether they did not go to the ballot box at all. According to his post, a common theme in support for Trump was the cost of living. Mamdani then asked about the upcoming 2025 mayoral elections.

“If you had a candidate who advocated freezing rent, free busing, universal childcare, etc., would you support them?” Mamdani said in a not-so-subtle nod to his three-part campaign platform. “Of course he will accept my vote all day long,” one man told Mamdani.

Trump will live in Mandani’s New York City

The 2025 mayoral election presented a very different view of the city, with President Trump frequently criticizing Mamdani’s vision. He and other Republicans said Mamdani would cause an increase in crime.

President Trump even said he would deploy the National Guard, as he has done in many other Democratic-run cities. However, Trump, who lives in Florida, said during a White House meeting that he would have no problem living in New York under Mamdani.

“I feel very, very comfortable in New York,” President Trump said. “And I thought even more so after the meeting.”

President Trump also praised Mamdani’s decision to retain current police chief Jessica Tisch, an experienced public sector worker who has overseen crime reduction.

Trump said his daughter Ivanka Trump is a friend of Tisch and that his family owns investment companies such as the New York Giants and Loews Corp. and includes major Republican donors. The two billionaire heirs both grew up on Manhattan’s East Side, and Tisch has been friends with President Trump’s husband Jared Kushner since college.

“She’s a good friend of some of Ivanka’s in my family, and they say she’s really good, really talented,” Trump said. “And he kept her there, so that’s a good sign.”

President Trump speaks affirmatively after a difficult week

The hilarious Oval Office visit with Mamdani comes during a particularly bad week for President Trump.

Trump’s smile-filled meeting painted him in a different light.

President Trump said, “One of the things I’ve always wanted to be is the mayor of New York.” “And especially now, because I think we’re really at a tipping point either way. It could work out. Or it could go in a different direction. And I think you really have a chance to make it great.”

Mamdani generously pointed out the president’s strong Republican support in New York state in 2024.

“More New Yorkers voted for President Trump in the recent presidential election because of the cost of living, and I look forward to working together to deliver affordable policies,” Mamdani said.

Trump and Mamdani share more voters than expected

The two New Yorkers discussed what they have in common: voters who support them.

“Many of my voters actually voted for him,” Trump said.

“One in 10,” Mamdani interjected.

President Trump responded, “I’m fine with that.”

About 10% of Mamdani voters supported Trump in the 2024 presidential election, according to a CBS poll. According to a CBS analysis, Queens, where Trump grew up and where Mamdani now lives, appears to have the most voters flipping to Mamdani’s side.

The love between these unlikely new friends may not last, but their relationship is off to a surprisingly good start.

For Good merchandise from Target, Walmart, etc.

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Are you a good witch or a bad witch? Either way, if you’re a “Wicked” fan, this merchandise may be on your list.

Wicked: For Good premiered in U.S. theaters on Friday, November 21st, and fans got to see the long-awaited sequel as the film’s main characters, Glinda (Ariana Grande) and Elphaba (Cynthia Erivo).

When the first movie hit theaters in November 2024, people went crazy. According to Box Office Mojo, the film earned $112.5 million in its opening week alone. It grossed a total of approximately $750 million worldwide.

Fans who seemed equally excited about the “Wicked” sequel will be able to show their love for the series with new merchandise released before the movie’s release.

So whether you want to stock up on merch for an upcoming screening or for a loved one who’s obsessed with “Wicked,” here are some options.

Dunkin’s “Wicked” themed menu now available

Dunkin’ has debuted a “Wicked”-themed menu item to celebrate the franchise’s “epic conclusion.”

For a limited time, Dunkin’ customers can now purchase the following items.

  • Wicked Green Matcha – Dunkin’s classic Iced Matcha Latte is made with whole milk for a creamy finish and gives it a wicked twist with brown sugar and toasted almond flavors. You can also use other non-dairy milk alternatives.
  • Wicked Pink Refresher: Made with sparkling water, this “bright, bubbly pink” drink bursts with flavors of strawberry, dragonfruit, and blueberry.
  • Wicked “Munchkin”: The classic glazed donut hole treat gets the ultimate wicked pink and green makeover, inspired by Oz’s most iconic duo.

Fans can also purchase limited edition “Wicked” merchandise featuring Glinda and Elphaba in their signature pink and green colors.

  • Dunkin x Wicked Tumbler: A $22.99 beverage container featuring pink and green reusable straws, just like the dynamic duo from Oz.
  • Dunkin x Wicked Straw Buddy & Topper Set: $16.99 4-pack including 2 Elphaba-inspired toppers (broom and hat) and 2 Glinda-inspired toppers (wand + crown).
  • Cup Sleeves: Elphaba Green and Glinda Pink fabric drink protectors are available for $6.99, each featuring a printed silhouette.

Targeting sales of “Wicked: For Good” goods

Target is selling several dolls, toys and other products inspired by “Wicked” and “Wicked: For Good.”

The retail giant is also selling Target-exclusive pink and green vinyl copies of “Wicked: The Soundtrack.”

But the “Wicked” fun extends beyond vinyl, as designer Katie Kim has also created a new line of homewares, sleepwear and more inspired by the series and its protagonists.

Toys like the Little People Glinda & Elphaba Wicked: For Good Collector Figure Set, Wicked: For Good Deluxe Glinda Doll with Movie-Inspired Outfit, and Wicked: For Good Deluxe Elphaba Doll with Movie-Inspired Outfit are also available from Target for the little Wicked fan in your life.

Centric Beauty, rem and IT also sell “Wicked: For Good” Makeup products such as makeup brushes, eye shadows, lip gloss, etc. Target also has a cosmetics advent calendar on its website.

Walmart sells “Wicked” toys, clothing, and more

Walmart is selling a variety of pink and green T-shirts, sweatshirts and more to fill the closets and homes of “Wicked” fans.

The retail giant not only sells “Wicked” clothing, but also toys such as dolls and board games.

In addition to clothing and toys, Walmart is also selling Wicked-themed home decor items, including Zack Designs’ 14-ounce 4-piece Wicked Ceramic Stacking Mug with Wire Rack for $19.97. Accessories like the Wicked Emerald City Women’s 10.5-inch Mini Backpack are also available for $29.97.

A two-pack of Elphaba and Glinda-inspired Care Bears is also available at Walmart for $29.97.

“Wicked” limited edition laundry detergent and other cleaning supplies

Toys, dolls, clothing, accessories and food are expected at a movie release of this size, but cleaning supplies may not be on many fans’ “Wicked” merchandise bingo cards.

Gain is launching the brand’s Wicked: For Good Frings laundry detergent pods in the “Fantabulous Floral” scent and retailing for $11.19 on Target’s website. Gain launches “Wicked Laundry Scent Booster Beads” in “Wonderfullest Woods and Beautificial Blossom” and “Emerald Charm and Yellow Brick Wonder,” both priced at $10.39.

Gain also partnered with Febreze to release the Beautiful Blossom and Wonderful Forest Woods air fresheners, partnered with Dawn to release the PowerWash Dish Spray Wicked Fantabulous Floral Air Freshener ($6.39), and partnered with Cascade to release the Cascade Complete Wicked Emerald City Air Freshener laundry detergent ($21.49).

Swiffer launched a limited edition Swiffer Sweep + Mop in pink, Glinda’s color, priced at $21.49.

“Wicked” themed cleaning products are also available on Amazon and other retailers, but prices may vary.

Other “Wicked” goods

A large number of “Wicked” and “Wicked: For Good” products are currently available for purchase. Other companies and brands selling products inspired by this franchise include:

Julia is a trends reporter for USA TODAY, covering scientific research and trending news. Connect with her on LinkedIn ×Instagram, TikTok: @juliamaigz or email jgomez@hannett.com

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

The Department of Transportation requires children to be controlled and say “please” and “thank you” when boarding planes.

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  • The Department for Transport has launched a new campaign to promote civility in air travel.
  • Since 2021, 13,800 fraudulent passenger incidents have been reported.
  • DOT encourages travelers to dress respectfully and be helpful to other passengers.

The Department of Transport is asking you to start dressing up again when you fly.

The Department for Transport has announced a new campaign aimed at encouraging civility on air travel, citing an undeniable rise in bad manners on planes.

“The Golden Age of Travel Starts with You” campaign aims to “stimulate a national conversation about how to restore civility and dignity to air travel,” according to the DOT.

In announcing the campaign, the ministry cited worrying trends that have been worsening among travelers for years, including 13,800 incidents of unruly passengers since 2021, a 400% increase in in-flight abuse since 2019, and one in five flight attendants experiencing a “physical incident” in 2021.

“There is no question that we have lost sight of the joys of travel: excitement, relaxation, and heartfelt conversation,” the DOT statement said. “Americans are already feeling divided and stressed. We can all do our part to restore civility, manners, and common sense. If we can unite around our common values, we will feel more connected as a nation.”

Here’s what Transport Secretary Sean Duffy wants travelers to ask themselves the next time they fly.

  1. Are you helping a pregnant woman or elderly person put their belongings into the overhead bin?
  2. Do you dress respectfully?
  3. Do you have good control over your children and help them around the airport?
  4. Do you appreciate your flight attendants?
  5. Do we generally say “please” or “thank you”?

Zach Wichter is a travel reporter and writes the Cruising Altitude column for USA TODAY. He is based in New York and can be reached at zwichter@usatoday.com.

ChatGPT group chats can help teams bring AI to their daily planning

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OpenAI introduces group chat within ChatGPT, giving you a way to involve up to 20 other users in a shared conversation with your chatbot. The feature is now available to all logged-in users after a brief pilot earlier this month, moving ChatGPT from a primarily one-on-one tool to one that supports small group collaboration.

OpenAI is positioning this update as an easy way to plan daily tasks with friends, family, and colleagues, like making dinner, preparing for a trip, or creating an outline together. But this feature could have broader value for work teams that already use ChatGPT for brainstorming, research, and early project discussions.

How it works

Start a group chat by selecting the “people” icon in the top right corner of the ChatGPT app. The app can create new shared spaces by copying current conversations and invite others by sending a link. The link can then be shared again, allowing more people to join the discussion.

When a user joins or creates a group chat for the first time, ChatGPT asks them to set a name, username, and profile picture so the group can identify who is speaking. OpenAI says ChatGPT is trained to “follow the flow of the conversation” and decide when to respond and when to remain silent. If you want ChatGPT to add something directly to you, you can mention “ChatGPT” in your message. Models can also respond with emojis and use their profile photos when creating personalized images.

The settings panel in the top right corner of the screen allows users to add or remove users, mute notifications, or provide custom instructions to ChatGPT. OpenAI says the model does not use memories of private chats within group conversations and does not create new memories based on group activity.

Group chat runs in GPT-5.1 Auto, choosing a response model based on the prompt and options available to the user. Rate limiting applies only when ChatGPT sends messages. This deployment follows the recent release of the GPT-5.1 Instant and Thinking models, as well as the previously released Sora, a social app for creating short videos.

How group chat supports real collaboration

While consumer pitches focus on casual planning, many of the challenges businesses face stem from how people share ideas, review drafts, and coordinate different roles. Group chat can help alleviate some of that friction by giving your team a single space to chat with ChatGPT in the loop.

Cross-departmental team collaboration

Large organizations strive to keep product, design, engineering, and marketing teams aligned, especially at the beginning of a project. Initial ideas may be scattered across email threads and chat apps.

Group chats allow everyone to post in one place. If someone joins late or misses part of the discussion, ChatGPT can help you summarize the thread, identify unanswered questions, and turn group notes into a structured plan. This allows teams to move from initial discussions to action without losing context.

Smoother review cycle

Drafts typically go through a long review loop involving different people using different channels. Comments are submitted at different times, making it difficult to track which version is current.

Group chat allows teams to react to the same draft together. ChatGPT can rewrite passages, compare alternative versions, and clarify feedback, potentially speeding up teams dealing with tight deadlines and frequent updates.

Onboard new teammates faster

New team members joining a project that is months old must spend time tracking down old messages and files to understand how decisions were made. Managers can reduce the time needed for onboarding by adding new teammates to existing group chats and asking ChatGPT to summarize past discussions, highlight key choices, and view open tasks.

Coordinating shared tasks

Day-to-day coordination such as preparing for internal workshops, drafting emails to customers, and planning events can often take several days depending on the messages being sent back and forth. In a group chat, anyone can ask ChatGPT to create a schedule, rewrite a message, create a checklist, or compare options. Groups can coordinate details together without having to start from scratch each time.

Organize creative feedback

Feedback coming in messy or contradictory formats can stall creative work. Designers, writers, and analysts often have their comments spread across various channels. Group chat keeps all your feedback in one place. ChatGPT can group comments by theme, point out inconsistencies, and suggest drafts that reflect your team’s wishes. This helps reduce rework and steers the group in a shared direction.

Broad changes in how teams use ChatGPT

The introduction of group chat comes at a time when many companies are testing ways to incorporate AI more deeply into their workflows. ChatGPT is already helping many users draft, summarize, and revise their work. Giving teams a shared space can change the shape of conversations in the early stages of a project, especially for organizations experimenting with AI-powered planning and review.

This feature doesn’t replace human coordination, but it introduces a shared surface where people can talk to each other and bring ChatGPT into the discussion if needed. For teams dealing with scattered input, slow reviews, or quick context switches, group chats can provide an easier way to move projects forward.

(Photo provided by Soren Feissa)

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Ram and Nissan earn finalist spots for 2026 Car, Truck & SUV of the Year

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  • The announcement of the finalists for the 2026 North American Car, Truck and Utility Vehicle of the Year kicks off this year’s LA Auto Show.
  • Winners of the featured annual awards will be announced at the Detroit Auto Show in January.

Ram and Nissan each won two of the nine finalists for the 2026 North American Car, Truck and Utility Vehicle of the Year award, which opened this week at the Los Angeles Auto Show.

The finalists cover the annual awards’ three vehicle categories and were chosen by a vote of 50 automotive journalists from the U.S. and Canada, said Jeff Gilbert, president of NACTOY and automotive reporter for WWJ-AM (950) radio in metro Detroit.

The finalists for Car of the Year were the Dodge Charger, Honda Prelude, and Nissan Sentra. The finalists for Truck of the Year were the Ford Maverick Robo, Ram 1500 Hemi, and Ram 2500, and the finalists for Utility Vehicle of the Year were the Hyundai Palisade, Lucid Gravity, and Nissan Leaf.

Finalists will be announced on Thursday, Nov. 20, and the winner will be announced at the Detroit Auto Show on Wednesday, Jan. 14, according to a news release.

Gilbert, who has been a judge for the award for about 20 years, said he doesn’t think there will be any big surprises in this year’s shortlist, but that doesn’t mean it’s clear which car will win. For example, in the truck category, Gilbert said customers are eager to see the return of the Hemi V8 in the Ram 1500 lineup, the Ram 2500 is a powerful work truck, and the Ford Maverick Robo is a cool product that’s garnering a lot of interest.

“There are many possibilities for this to happen,” he said.

Gilbert noted that this year’s list of competitors includes more utility vehicles, reflecting the wider choice in this part of the market.

As for how consumers should view the list of finalists, Gilbert advised considering it as just one tool in the vehicle selection process, and encouraged shoppers to do their own homework when looking for the right vehicle for them.

However, he noted that the award’s judges represented a wide range of positions, from experts to those focused on family vehicles.

The 2025 winners were the Honda Civic Hybrid, Ford Ranger, and Volkswagen ID. Buzz.

Eric D. Lawrence is senior auto culture reporter for the Detroit Free Press. If you have any tips or suggestions, please contact us at elawrence@freepress.com. Become a subscriber. Submit a letter to the editor at freep.com/letters.

US warns airlines of potential dangers when flying over Venezuela

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The FAA’s notice cited a “deteriorating security situation and increased military activity in or around Venezuela” and warned of risks for aircraft at all altitudes.

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WASHINGTON, Nov 21 (Reuters) – The U.S. Federal Aviation Administration on Friday warned major airlines to be careful when flying over Venezuela, warning of “potentially dangerous conditions”.

The FAA notice cited a “deteriorating security situation and increased military activity in or around Venezuela,” and said the threat could pose a risk to aircraft at all altitudes.

The region has seen a major U.S. military buildup in recent months, including the U.S. Navy’s largest aircraft carrier, at least eight other warships and F-35 aircraft.

The administration of President Donald Trump has bombed boats suspected of carrying drugs leaving the coastlines of Venezuela and other Latin American countries.

Direct flights to Venezuela by U.S. passenger airlines and cargo carriers have been suspended since 2019, although some U.S. airlines continue to fly over Venezuela on some South American flights.

American Airlines announced on November 21 that it had suspended flights over Venezuela in October. Delta Air Lines and United Airlines did not respond to requests for comment.

The order stopped short of banning flights over the country.

The FAA said there has been an increase in interference with global navigation satellite systems in Venezuela since September, in some cases resulting in lingering effects during flights and “activities related to enhanced Venezuelan military preparedness.”

“Venezuela has conducted multiple military exercises and directed the mass mobilization of thousands of troops and reserves,” the FAA said, adding that Venezuela had not at any point expressed any intention to target civil aviation.

The agency said Venezuela’s military has advanced fighter aircraft and multiple weapons systems that reach or exceed the operating altitudes of civilian aircraft, posing a potential danger from low-altitude air defense systems and anti-aircraft artillery.

The FAA said it will continue to monitor the risk environment for U.S. civil aviation operating in the region.

The term “What is a ‘Professional Degree’?” was explained.

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As President Donald Trump’s administration redefines what degrees are considered “professional,” many graduate students are left with questions and concerns about how to fund their education.

The current list and definition of “professional degrees” used by the Department of Education excludes some professions such as nursing, but here’s what you need to know about which programs are on the list and what it means for students.

What is a professional degree?

This confusion and controversy stems from a 1965 federal law that defines a “professional degree” as “both the completion of the academic requirements for entry into practice in a particular occupation and a level of professional skill beyond that normally required for a bachelor’s degree.”

This definition lists the following as examples of professional degrees:

  • Pharmacy (Doctor of Pharmacy)
  • Dental (DDS or DMD)
  • Veterinary Medicine (DVM)
  • Chiropractic (DC or DCM)
  • Law (LLB or JD)
  • Medicine (Doctor of Medicine)
  • Optometry (OD)
  • Osteopathic Medicine (DO)
  • Podiatry (DPM, DP, or Pod.D.)
  • Theology (M.Div., or MHL)

By definition, this list is not exhaustive and professional certifications are generally required as well, but past meetings of the Department of Education committee this fall to discuss student loan regulation and other issues have used an original description that included only these 10 degrees.

What degrees are not classified as professional?

Several graduate programs, including nursing, have been removed from the list of “professional degrees,” prompting a growing reaction from national organizations and groups advocating for a broader range of degrees to be included under that umbrella.

In an Aug. 28 letter to the Department of Postsecondary Education, the American Council on Education asked that the definition be changed to include programs such as nursing, architecture, accounting, occupational therapy, physical therapy, special education, public health and social work.

The American Nursing Association has also expressed concern about the current definition, with association president Jennifer Mencik Kennedy saying in a letter that excluding nurses “significantly limits access to critical funding for graduate nursing education and undermines efforts to grow and sustain the nursing workforce.”

“At a time when our nation’s health care faces historic nursing shortages and increased demand, limiting nurses’ access to graduate education funding threatens the very foundation of patient care,” said Menshik-Kennedy. “In many communities across the country, especially rural and underserved areas, advanced practice registered nurses ensure access to essential, high-quality care not otherwise available.”

How will it affect students?

This definition is currently being used in the debate over caps on student loans under the Trump administration’s Big Beautiful Act, which could have a significant impact on how much students can borrow. The bill would eliminate the Grad PLUS loan program, which previously helped students pursue medicine, law, and other training-intensive careers, and cap the Parent PLUS program, capping it at $20,000 per student per year and $65,000 total.

Graduate students pursuing a “professional degree” on a defined list can borrow up to $50,000 a year and up to $200,000 overall. However, for students in graduate programs that are not considered “professional degrees,” the loan limit is $20,500 per year. Graduate programs are limited to a total of $100,000.

This means that students enrolled in programs that are not listed or defined as “professional degrees” may have lower loan limits when pursuing those programs. This financing change and overall adjustment to higher education finance and funding is expected to take effect on July 1, 2026.

This story has been updated with new information.

USA TODAY’s Zachary Schermele contributed to this report.

See photos of New York Mayor-elect Mamdani meeting with President Trump in the Oval Office

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President Donald Trump had nothing but good things to say about New York City Mayor-elect Zoran Mamdani after their meeting at the White House on Friday, November 21st.

The meeting between the two leaders came weeks after Mamdani, 34, won the Nov. 4 general election to become New York City’s first Muslim and South Asian mayor after months of insults and warnings during the campaign.

“If things go well, I think he’ll be a great mayor,” Trump said, occasionally patting the mayor-elect’s arm. The president’s kind words towards Mamdani were rewarded with the democratic socialist star saying the talks had been positive.

“It was a productive meeting that focused on New York City, a place of shared admiration and love, and the need to provide affordability for New Yorkers,” Mamdani said.

Look at the meeting between Mamdani and Trump.

See photos here

USA TODAY’s Joey Garrison contributed to this report.

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

Usha Vance loses wedding ring, originally hers

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When she visited Camp Lejeune with first lady Melania Trump earlier this week, her second daughter, Usha Vance, did not have a ring on her ring finger.

The two were photographed walking together in North Carolina on November 19th. And the second lady, who is the wife of Vice President J.D. Vance, was also seen talking to the military and the first lady without her wedding ring. Despite the online controversy, Vance has been photographed numerous times with and without his wedding ring.

By Friday, Nov. 21, rumors of a breakup had surfaced on social media. Speculation about the second couple’s marital status intensified. But Vance, 39, the first of her kind to be a second lady, is a reserved and hesitant public figure who values ​​motherhood over statesmanship.

A spokesperson for the second woman told USA TODAY in a statement on Nov. 21 that Vance is “a mother of three young children who cooks a lot, bathes a lot and sometimes forgets her ring.” The Vance family has three children: Ewan, 8, Vivec, 5, and Mirabel, 3.

Once viewed simply through the lens of vows, Vance is now part of a growing bipartisan group of modern American women resisting the structures and constraints of arranged marriages.

California Governor Gavin Newsom’s wife, Jennifer Siebel Newsom, has shed the gender-stereotyped label of “woman” and reconsidered her role as “first partner.” Michelle Obama has been outspoken about the burdens of being first lady during President Donald Trump’s second term. Rama Dowaj, who is married to New York Mayor-elect Zoran Mamdani, is an accomplished illustrator but never speaks to the press, instead making statements through her Instagram artwork.

Like Melania Trump, she rarely attends interviews. In addition to appearing on Meghan McCain’s podcast for an hour and sitting alongside her former “The View” co-host as she announced her third pregnancy, Vance has not spoken to the press since her husband took office.

“Interesting. Usha Vance was without her wedding ring yesterday at Camp Lejeune,” Democratic strategist Adam Parkhomenko told X, giving the wrong date of Vance’s visit. “Is JD sleeping on the sofa?” the Democratic Party’s official X account revealed.

Usha Vance doesn’t wear a wedding ring. Why do we care?

Born and raised in San Diego, Usha Chilkuri is the child of Hindu Indian immigrants, and both of her parents are educators.

The Vances met as students at Yale Law School, where she excelled. “She seemed like some kind of genetic anomaly: bright, hardworking, tall, beautiful, all the positive qualities a human being should have,” her husband wrote in his 2016 memoir Hillbilly Elegy, calling the second lady a “spiritual guide.”

Before President Trump selected her husband as his running mate, Vance was an attorney at Munger, Tolles & Olson, specializing in litigation and corporate law. After Trump won the 2024 presidential election, Vance moved his family from his home in Cincinnati’s East Walnut Hills neighborhood to the U.S. Naval Observatory, the vice presidential family’s traditional home.

While second lady, Vance was still the subject of rumors about the health of her marriage. Kennedy’s successor, Jack Schlossberg, who is currently running for Congress, sparked backlash after joking that he was having a baby with Vance.

The internet was furious after Charlie Kirk’s widow Erica hugged her husband. Vice President Vance made headlines last month when he said he hoped his wife would convert to Catholicism.

“In the end, do I hope that she will be moved in some way in the same way that I was moved by the church? Well, honestly, I hope so because I believe in the Christian gospel. I hope that eventually my wife will see the gospel in the same way,” said J.D. Vance, who spoke at the Turning Point USA event at the University of Mississippi on Oct. 29.

“But if she doesn’t, that doesn’t matter to me because God says, ‘Everyone has free will.’ That’s something you work out with your friends, family, and loved ones,” he added.

Then, of course, the lost ring.

There are countless reasons why you might choose not to wear a wedding ring. They took it off to clean. It felt tight. They put it on the bathroom counter before going to bed that night. In movies, wives take off their wedding rings after arguments or fights. In real life, many people forget.

Vance is busy doing the dishes and bathing the children. In America, it is also possible that the second woman’s ring and story belong to the first woman.

Amaris: Aisha Bagki Bagki

Lucid unveils ‘less expensive’ Gravity Touring SUV with 337 miles of range

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Lucid Group Inc LCID.O on Thursday launched a cheaper version of its Gravity SUV with a starting price of $79,900, as the luxury electric vehicle maker aims to reach a wider audience as U.S. EV sales slow.

The Gravity Touring offers up to 337 miles of range and seven-passenger seating and joins the pricier Grand Touring version of Lucid’s SUV lineup.

Orders for the new variant will begin on Thursday, with some configurations available for immediate delivery.

The model is part of the company’s efforts to expand beyond its flagship Air sedan and boost sales as U.S. EV demand wanes after a $7,500 federal tax credit expires at the end of September.

Lucid reported lower-than-expected sales of $336.6 million in the third quarter and lowered its full-year production forecast to about 18,000 units as supply chain constraints impact production of its Gravity SUV.

The company, like several automakers, has been plagued by chip shortages, rare earth material supply disruptions and the fallout from a fire at one of its aluminum suppliers in September.

EV makers from Tesla to Rivian have warned that demand will slow as federal incentives expire, weighing on sales.

Reporting to Shira in Bengaluru and Roy in San Francisco. idar eddie leo

Tim shopping? The report says “Please be careful”

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Good morning and Happy Friday! I’m Betty Lynn Fisher for Friday’s consumer edition of “The Daily Money.”

Temu may be a popular online site for holiday shopping, but the Consumer Federation of America is warning shoppers to be careful in a new report.

Consumer advocates aggregated complaints and lawsuits against the low-cost retailer from multiple attorneys general across the country.

USA TODAY exclusively covered the report and warning.

Value shoppers go to Walmart.

My colleague Jessica Guinn says Walmart is poised to make the most of the affordability crisis as inflation-stressed shoppers worry about the economy.

The company said its U.S. sales rose nearly 5% last quarter due to increased shopper visits and spending. E-commerce sales also increased by more than 25% compared to the previous year.

It’s not alone. Other retailers are also expressing optimism about the holiday season, although some are lowering their profit forecasts.

📰 Consumer stories you can’t miss 📰

📰 great read 📰

Finally, here are some popular articles from earlier this year that you may have missed. Please share. Fast food was once an inexpensive meal option for families. Not so much anymore. What about fast food restaurants and their prices?

Betty Lin-Fisher is a consumer reporter for USA TODAY. Contact her at blinfisher@USATODAY.com or follow her at @blinfisher on X, Facebook and Instagram and @blinfisher.bsky.social on Bluesky.. Sign up for our free The Daily Money newsletter, breaking down complex consumer and financial news. Subscribe here.

Hakeem Jeffries clashes with CNBC host over Obamacare tax credits

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CNBC’s “Squawk Box” anchor Rebecca Quick asked Hakeem Jeffries whether he and Democratic leaders want to raise health care costs to hurt Republicans.

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House Minority Leader Hakeem Jeffries clashed with a CNBC host when asked about the future of the Affordable Care Act’s premium tax subsidies and whether Democrats want them to expire to hurt Republicans.

On CNBC’s “Squawk Box” on Nov. 21, anchor Rebecca Quick asked Jeffries, a Democrat from New York, if he and Democratic leaders are now supporting raising health care costs to hurt Republicans politically.

Without renewal, premiums for 22 million lower- and middle-class Americans are expected to double or even triple in 2026.

Quick asked why House Democrats are seeking a three-year extension of the aid, which Republicans say they don’t support, rather than a one- or two-year deal that some Republicans have suggested they might support. Democrats are trying to force their plan through the House, but they would need the support of at least four Republicans to move forward.

“I don’t think you want a deal,” she said. “I think they want to raise interest rates even higher so the Republicans can get away with it. Is that the answer?”

“That’s an absolutely ridiculous claim…I’m embarrassed to say that,” Jeffries responded.

“This is not a partisan issue for us. In fact, all of the states that have been most impacted related to the expiration of the Affordable Care Act tax credits are Republican states,” he said.

Democratic lawmakers have called for an extension of Obamacare subsidies to be included in the spending plan to reopen the government. But eight Senate Democrats relented and on November 10 voted with Republicans to end the record 43-day government shutdown without extending the aid.

Patient advocates say the subsidy faces a steep road to passage before the end of the year.

Senate Minority Leader John Thune (R-South Dakota) has promised a vote in December on a plan to extend Obamacare subsidies that help millions of Americans access health care. But Republican House Speaker Mike Johnson, R-Louisiana, has not committed to holding a similar vote on the floor.

Snow, rain and storm weather forecast for Thanksgiving week

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Forecasters said a cross-border storm could wreak travel havoc for millions of Thanksgiving travelers next week.

“The storm will impact much of the eastern two-thirds of the United States during the busiest travel period leading up to the Thanksgiving holiday,” AccuWeather meteorologist Alex Sosnowski said in an online forecast.

It will primarily bring rain, but some snow may be possible on the northern edge of the storm, especially in the northern Plains and around the Great Lakes.

Sosnowski said there will be a lot of disruption as the storm spreads out of the Southwest, bringing heavy rain and possibly severe thunderstorms to the central, southern and eastern United States.

US weather forecast for Monday, November 24th and Tuesday, November 25th

Storms expected for first few days of holiday week across the south-central United States According to the National Weather Service, widespread moderate to heavy rain, primarily in the form of recurring thunderstorms, is possible from northeast Texas to the Memphis metropolitan area on Monday, Nov. 24.

“South of Missouri, there is a chance of thunderstorms with locally heavy rain, so be on the lookout for road flooding,” Weather.com meteorologist Sarah Tonks said in an online forecast.

By Tuesday, Nov. 25, rain is expected to spread from the Midwest and Southeast to the East Coast, Tonks said. Thunderstorms are possible in the Southeast. “The greatest potential for severe weather will be in the south-central states,” said AccuWeather meteorologist Paul Pastelok.

A period of snow and wintry conditions is also possible in the northern Plains and Midwest from the night of Monday, Nov. 24 through Tuesday, Nov. 25, according to AccuWeather.

Temperatures are expected to be mild for this time of year ahead of a cold front from the Gulf Coast to the Great Lakes region, with highs expected to be 5 to 15 degrees above average for late November through Tuesday, the National Weather Service said.

US weather forecast for Wednesday, November 26th

One concern for Wednesday, Nov. 26, the peak travel day, is that at least parts of the East will continue to see showers, especially in the morning, Tonks said. “This may cause delays for flights from major hubs in the Northeast.”

Pastelok agreed, noting that “the storm is losing some of its strength and moisture as it moves from the central part of the state to the northeast, but given the amount of movement, even a few hours of rain could cause significant problems for roads and runways from Washington, D.C., to Philadelphia, New York City and Boston.”

Tonks warned that heavy lake-effect snow bands are beginning to form in parts of the western Great Lakes snow belt (northern Michigan), potentially making travel in these areas hazardous.

Also on Wednesday, the Bureau of Meteorology announced that a mild air mass would reach the East Coast, with high temperatures in the 50s and 60s in many areas before returning to slightly below normal conditions to end the week.

US weather forecast for Thursday, November 27th (Thanksgiving)

Colder air is moving in behind a major storm that will likely bring severe weather and lake-effect snow to the Great Lakes region into Thanksgiving Day.

“There will be sufficient advection of cold air across the Great Lakes to produce lake-effect snow across northern Michigan and from northeastern Ohio to central New York from Thanksgiving into early Friday morning,” the weather service said in an online forecast.

Tonks said the snow will be accompanied by strong winds, which could cause localized whiteout conditions.

Americans will be left in debt because of their deaths. Here are some tips for reducing costs.

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More Americans are finding themselves in debt after the death of a loved one.

That’s one of the findings from Debt.com’s annual survey of how people cover end-of-life expenses.

The survey found that 37% of Americans have incurred debt after the death of a loved one, the highest number in three years. Of those who incurred debt, 59% used credit cards. The survey was conducted in October among 1,000 Americans.

“This was a little shocking,” said Debt.com Chairman Howard Dvorkin. “And that kind of makes sense.”

According to Bankrate, consumer prices have increased by at least 24% since the beginning of 2020 due to inflation, which has been the latest talking point about the national affordability crisis.

In a Debt.com survey, 4 in 10 Americans say they won’t be able to cover the future funeral costs of a loved one without going into debt.

Gen

Americans underestimate end-of-life costs

Americans may also be underestimating funeral costs. In a Debt.com survey, 22% of respondents said the average funeral cost was less than $5,000, with most costing less than $10,000.

A study released in September by insurance company Choice Mutual reported similar findings. More than half of respondents ages 45 and older said their funeral costs were less than $10,000. The poll, conducted by YouGov, surveyed 2,502 adults.

As of 2023, the median funeral cost nationwide was $7,848, according to the American Funeral Directors Association. But that number is from two years ago. Some industry insiders say funeral costs are now significantly higher.

“When you factor in funeral services, caskets, printing, professional services, and transportation and preparation of the body, the total can easily reach $15,000 to $20,000,” said Anthony Martin, CEO of Choice Mutual.

In the Choice Mutual survey, only 39% of seniors said they were taking steps to prepare for the financial costs that would arise after their death.

we don’t want to think or talk about death

Both reports touch on recurring themes in the world of funeral and estate planning. That said, many Americans don’t like to think or talk about death.

Most Americans understand the importance of estate planning, but only 31% have a will, according to the Trust & Will 2025 Estate Planning Report.

More than half of Americans don’t have an estate plan, according to a report based on a survey of 10,000 adults.

Even if older Americans have estate plans, many are reluctant to talk about them, according to a Nov. 13 report from Fidelity Investments.

“Most people don’t have family conversations,” says Kody Barbo, founder and CEO of Trust & Will. “People know this is important, but they just don’t get around to it.”

Survivors panic when there are no funeral plans

When a person dies without an end-of-life plan in place, survivors are often left in limbo.

“They have to make all kinds of choices about how to memorialize their loved one, even as they grieve their loved one anew,” said Choice Mutual’s Martin.

In their impatience and sadness, families may make hasty decisions about funeral arrangements that they cannot afford.

“Most people go to a funeral home and are like, ‘I want to be done with this,'” Martin said. “They’re probably not going to scrutinize the costs. They’re probably not going to call five places and compare.”

Here are some tips for managing end-of-life expenses from the nonprofit organization Funeral Consumers Alliance.

plan ahead

After a loved one passes away, it can be overwhelming to enter a funeral home and begin making funeral arrangements.

Having an open discussion upfront can help families decide which services are important and which are not. Choices include burial or cremation, whether to have a graveside service, and whether to have a formal funeral or a more informal memorial service.

“Having the conversation is probably the most important thing,” said Trust & Will’s Balbo.

Know your consumer rights

The Federal Trade Commission’s funeral regulations protect consumers and their decisions during difficult times.

Here are some rules:

  • You have the right to see the price list from the funeral home.
  • In general, you have the right to choose which funeral services you would like and which funerals you would like to forego.
  • You have the right to purchase the coffin elsewhere.

compare prices

If you plan ahead, you can compare funeral costs for different homes. You may be surprised at the price difference.

“Your choice of funeral director is often the single biggest factor influencing how much you pay,” the Funeral Consumers Union reports.

If a home can list its price online or send it via email, that’s usually a good sign, according to the Alliance.

Let’s consider a simple service

According to the consumer group, all funeral service providers must offer “direct cremations” and “direct cremations.” These services do not include embalming or rituals and are relatively affordable.

President Trump and President Zoran Mamdani meet at the White House. Live updates.

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More than two weeks after endorsing his rival on the eve of the election, President Donald Trump will welcome incoming New York City Mayor Zoran Mamdani to the Oval Office on November 21st.

Mamdani, the first Muslim and South Asian to be elected mayor of New York, has been the subject of ridicule by President Trump, who often incorrectly calls the self-proclaimed democratic socialist a “communist.”

Mamdani, 34, will be the youngest mayor of New York in more than a century. At 79 years old, Trump is from Queens and is the oldest person elected as commander in chief.

Trump went so far as to ignore his own Republican candidate, Curtis Sliwa, in favor of Mamdani’s chief rival, former Democratic Gov. Andrew Cuomo.

The high-stakes meeting, which will take place at 3 p.m., is currently closed to the press and could include discussions on affordability, federal funding, infrastructure projects and Immigration and Customs Enforcement operations in the city. Follow the USA TODAY News team for live updates.

Mamdani arrives in the Oval Office after protesting outside the White House

Zoran Mamdani protested outside the White House about two years ago.

In December 2023, Mamdani, then a state representative from Queens, called on former President Joe Biden, a fellow Democrat, to enact a permanent ceasefire in Israel’s siege of Gaza, following the Hamas-led attack on southern Israel in October of the same year. Mamdani said in an Instagram post that she and others had just completed a five-day hunger strike. He said some of the names of those killed were read outside the White House as the death toll reached 15,207.

“Each action begets new action, and Washington, D.C., is more committed than ever to holding the President and Congress accountable in saving lives,” he said. “See you at the next meeting.”

Reuters reported that the death toll in Gaza now exceeds 69,000, according to statistics from the Hamas-run Gaza Ministry of Health. Since October, Palestinians continue to be killed by Israeli airstrikes despite a tentative US-brokered ceasefire under President Donald Trump.

Returning to Washington on November 21, Mamdani and Trump are scheduled to meet in the Oval Office, but Gaza is not expected to be mentioned on the agenda. Instead, Mamdani indicated the meeting would focus on affordability issues.

– Eduardo Cuevas

Where is the current mayor of New York?

Eric Adams, the embattled one-term Democratic mayor, has been out of sight around the city in recent days.

Mayor-elect Zoran Mamdani was scheduled to meet with President Donald Trump on Nov. 21, while Adams’ public schedule included a stay in Uzbekistan to meet with government, business and religious leaders in the Central Asian country. Adams, 65, has been in Uzbekistan for several days after traveling to Israel. According to Adams’ office, Adams had been out of the country for a week since November 14th.

Adams ended his campaign in September, facing bleak prospects for re-election. His administration was mired in scandals, resignations, and corruption investigations. The mayor was facing federal corruption charges for allegedly soliciting and accepting illegal gifts and campaign contributions from wealthy foreigners, including those in the Turkish government. In early 2025, President Trump’s Justice Department intervened to drop the charges in exchange for cooperation with federal immigration enforcement. Adams earlier visited Mar-a-Lago to meet with Trump, then skipped the event to attend Trump’s inauguration in Washington, D.C. Mr Adams denied there was any quid pro quo.

Mamdani is expected to replace Adams on New Year’s Day, Adams will be away from work for the time being.

Mamdani arrives in the Oval Office after protesting outside the White House

Zoran Mamdani protested outside the White House about two years ago.

In December 2023, Mamdani, then a state representative from Queens, called on former President Joe Biden, a fellow Democrat, to enact a permanent ceasefire in Israel’s siege of Gaza, following the Hamas-led attack on southern Israel in October of the same year. Mamdani said in an Instagram post that she and others had just completed a five-day hunger strike. He said some of the names of those killed were read outside the White House as the death toll reached 15,207.

“Each action begets new action, and Washington, D.C., is more committed than ever to holding the President and Congress accountable in saving lives,” he said. “See you at the next meeting.”

Reuters reported that the death toll in Gaza now exceeds 69,000, according to statistics from the Hamas-run Gaza Ministry of Health. Since October, Palestinians continue to be killed by Israeli airstrikes despite a tentative US-brokered ceasefire under President Donald Trump.

Returning to Washington on November 21, Mamdani and Trump are scheduled to meet in the Oval Office, but Gaza is not expected to be mentioned on the agenda. Instead, Mamdani indicated the meeting would focus on affordability issues.

– Eduardo Cuevas

President Trump expects ‘private’ meeting with Mandani, ‘will get along well’

President Donald Trump on Friday praised incoming New York City Mayor Zoran Mamdani for running a “good race” during an afternoon meeting in the Oval Office and said he believed “we can do well.”

“Look, we want the same thing. We want a strong New York,” Trump said in an interview on Fox News Radio’s Brian Kilmeade show. “And you know, there’s a very different philosophy. But I’ll let you know. I’ll let you know over the next year.”

Trump was asked about Mamdani’s election night speech, and the 34-year-old democratic socialist directed his comments at the president, telling him to “turn up the volume.”

“I have to be careful when he says that to me,” Trump said, adding that he didn’t know what Mamdani meant.

“I said, ‘What does that mean? Turn up the volume. What does that mean? Let’s do it,'” Trump said. “I don’t think so. He was very kind to call me, and we’re going to have a meeting – we’ll probably meet today at three o’clock – and I think it’s going to be pretty amicable. We’ll find out.”

Ahead of the Nov. 4 election, President Trump repeatedly threatened to withhold federal funding from Mamdani, who has attacked “socialists,” if he wins the election.

President Trump said the face-to-face meeting would be open to reporters.

“I think so. I don’t think there’s a problem because he’s a politician. One of the things I’ve noticed about politicians is that the answer is always ‘yes,’ except in the case of Biden,” Trump said.

-Joey Garrison

Both are from President Trump’s childhood neighborhood of Queens and voted for Mamdani.

The Jamaica Estates neighborhood in Queens, where President Donald Trump spent his childhood, voted heavily for Zoran Mamdani in the Nov. 4 mayoral election.

This affluent suburban enclave is located in eastern Queens. In the district that includes the Trump family’s Tudor two-story home at 85-15 Wareham Place, Mr. Mamdani, a state representative from Queens, had a nearly 20-point lead, according to unofficial results from the New York City Board of Elections. Mr. Mamdani received 56% of the vote, compared to 37% for his next closest opponent, former Gov. Andrew Cuomo, an independent from Queens and backed by Mr. Trump.

Mr. Mamdani won about 50.4% of the Queens vote, compared to 41.6% for Mr. Cuomo, which reflects citywide election results.

Mamdani, 34, and Trump, 79, lived in very different versions of Queens, which today is one of the most diverse places in the world. Nearly half of the ward is foreign-born.

As The New York Times reported, President Trump’s Jamaica Estate at the time was almost entirely white. Today, the region is even more diverse. Demographic data for the area where Mr. Cuomo grew up and the city adjacent to Holliswood shows the area’s population is about 32.5% Asian, 24.7% Black, 22.3% White, and 15.4% Hispanic or Latino. Another affluent neighborhood, Holliswood has traditionally had a larger black and Latino population than Jamaica Estates.

– Eduardo Cuevas

Are you Zoran Mandani?

Mayor-elect Zoran Mamdani, 34, is currently serving three terms in the New York State Assembly, representing part of the borough of Queens. Mamdani, a democratic socialist, is set to become the first Muslim mayor and the first Asian American mayor in New York City history.

Born in Uganda, Mamdani moved to New York as a child and grew up on Manhattan’s Upper West Side. He is the son of Indian-American film director Mira Naar and Columbia University professor Mahmoud Mamdani, who is Indian-Ugandan.

The mayor-elect is married to artist and illustrator Rama Duwaj. The two married earlier this year and live in Astoria, Queens.

–Eduardo Cuevas

A year ago, Mamdani spoke to Trump supporters. The theme was reasonably priced.

Just over a year ago, Zoran Mamdani went viral on social media after speaking to The New Yorker about why he voted for President Donald Trump in the 2024 election. Mamdani, microphone in hand, visited the immigrant-heavy, non-white, working-class neighborhoods of the Bronx and Queens, the areas that were most tilted toward Trump.

Mamdani asked them about voting and whether they did not go to the ballot box at all. According to his post, a common theme in support for Trump was the cost of living. Mamdani then asked about the upcoming 2025 mayoral elections.

“If you had a candidate who advocated freezing rent, free busing, universal childcare, etc., would you support them?” Mamdani said in a not-so-subtle nod to his three-part campaign platform. “Of course he will accept my vote all day long,” one man told Mamdani.

Mamdani then rose meteorically from single digits in the polls to become the next mayor in less than two months. Like President Trump, voters will have to wait and see whether Mamdani can cut costs. The two sides, who have very different approaches, are currently scheduled to meet at the White House.

–Eduardo Cuevas

“He will have more problems with Washington than any mayor in the history of our once great city,” Trump wrote in a post on Truth Social on Sept. 29. “Remember, he needs money from me as president to fulfill all of the communist’s false promises. He won’t receive any of it, so what’s the point of voting for him?”

-Swapna Venugopal Ramaswami

The day before his visit to the White House, Mamdani explained why he contacted the White House to set up a meeting.

“Because I will work with anyone to make life more affordable for the more than 8.5 million people who call this city home,” he said. “While I have many disagreements with the president, I believe we must relentlessly pursue every avenue and every meeting to make our city affordable for every New Yorker.”

Mamdani’s campaign promises include free buses, universal child care and a rent freeze on rent-stabilized apartments. He said he would fund these efforts by increasing taxes on the top 1% of earners (nearly $1 million a year) and increasing corporate taxes.

Mamdani also said city police officers will not assist ICE in conducting federal immigration operations.

–Swapna Venugopal Ramaswami

“I’m going to make it clear to President Trump that I will work with him on any agenda that benefits New Yorkers,” he said on Nov. 19. “If there’s an agenda that hurts New Yorkers, I’ll be the first to say so, too.”

White House press secretary Caroline Levitt said the meeting was evidence of Trump’s generosity.

“This speaks to the fact that President Trump will meet and talk with anyone and try to do the right thing on behalf of the American people, whether they live in a blue state, a red state, a blue city,” Levitt said.

The city where Trump is from and where he built his real estate empire is “moving much further to the left than this president expected in his years living in New York,” she said.

–Swapna Venugopal Ramaswami

Bruce Willis’ wife Emma Heming Willis gives update on his illness

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LOS ANGELES — Emma Heming Willis is perhaps the most famous caregiver in this country right now. She spoke at length about her husband Bruce Willis’ frontotemporal dementia (FTD) diagnosis and how it twisted, tangled and turned her happy life into something devastating.

But on a recent rainy day in Los Angeles, Hemming Willis’ demeanor was less gloomy than the weather. Her casual black top and jeans convey poise and comfort. Someone who doesn’t care what you think and wants to make the most of the time she (and her husband) has left. For now, her movie star husband is in a stable place. Regardless, the fear of what will happen next remains.

“That’s the fear, right? When is the next shoe coming out? But when it comes, we know we’ll be ready,” she told USA TODAY at the Endwell Summit, a death and dying conference for caregivers, clinicians and grief advocates.

FTD is the name for a group of brain disorders that occur due to decreased function of the frontal and/or temporal lobes. FTD affects approximately 50,000 to 60,000 people in the United States and is an incurable disease that can cause personality changes and speech impairment. Live for about 7 to 13 years after symptoms start. Willis was diagnosed in 2023.

Hemming Willis, 47, has a care team in place for him and has learned so much during his caregiving journey that he wrote a book about it, An Unexpected Journey. She is as prepared as possible for the difficult moments ahead. “It doesn’t make it any less painful or harder to walk,” she says. “But for now, we are on stable ground.”

“We don’t think about care or care plans.”

Bruce Willis thought he would live forever. They never talked about end-of-life care. She didn’t know about it until she needed it. According to Pew Research, only 32% of American adults have a will detailing what happens to their assets and possessions after they die, and just 31% have a living will or advance health care directive in case they become medically incapacitated.

“As a society, we don’t think about these things,” says Hemming Willis. “We don’t think about care and care plans and we don’t think about death. But we really need to do that and we shouldn’t look at death in such a bleak light.”

Her husband’s illness woke her up. “My care plan is pretty much the same and is in place for my daughters (daughters Mabel, 13, and Evelyn, 11), so they don’t have to make all the decisions or understand everything,” she says. “I want to make it a little bit easier for them.” She knows her daughters also worry about their mother getting sick. “I just let them know I’m healthy. I’m taking care of myself. I try to ease their worries as much as I can.”

People think of caregiving, death, and dying as depressing and debilitating experiences. But there are layers to it. Hemming Willis still jokes, smiles, watches TV, and takes care of himself. she dislike The term self-care is a sentiment that resonates with many caregivers, who like to frame it as an attempt to take time for themselves.

“It’s important to me to find moments when I want to make time,” she says. “I love to go hiking. I love being outside in nature, connecting with friends, window shopping with my mom. I mean, these little simple things are actually very comforting and nourishing to my soul.”

“We’re not there yet.”

Did Hemming Willis try to prepare his children for Bruce’s death?

“We’re not there yet,” she says. “They’re educated about FTD. If they’re asked, I think I’ll teach them, but I think they’re more present-focused. That’s where their questions are primarily. But if they’re asked, I’ll always be honest and honest.”

When Hemming Willis thinks about life after death, her brain remembers her mother’s friend Peg, who recently passed away. Peg’s husband had FTD. Hemming Willis first heard about it decades ago. Peg’s death erased those memories. As Hemming Willis’ mother mourns Peg, Hemming Willis tries to comfort her. Peg’s husband is there, waiting for her on the other side, she said to herself. He is healthy and in a happy place.

We can all only hope for the same thing.

Consumer sentiment dips as Americans prepare for Black Friday and holidays

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U.S. consumer sentiment fell to its lowest level in November as Americans entered the holiday season and prepared for Black Friday, according to a monthly survey.

The Consumer Sentiment Index released by the University of Michigan Consumer Survey on November 21 was 51, higher than the preliminary reading of 50.3 two weeks ago, but down from 53.6 in October. The announcement showed that consumer sentiment remains near historic lows. The index hit an all-time low of 50 in June 2022.

However, Director of Consumer Research Joan Hsu said consumer sentiment was “very much unchanged” in November, noting that the index’s 2.6 drop from October was within the margin of error. Still, the numbers reflect consumers’ continued concerns about affordability.

“After the federal shutdown ended, sentiment rose slightly from mid-month numbers,” Suh said in a statement. “However, consumers remain dissatisfied with continued high prices and declining incomes.”

The index measures how Americans feel about their personal finances and the economy as a whole, gauging consumers’ optimism or pessimism, which can influence spending. It fell in the first four months of 2025, was flat in May, rose in June and July, and has declined every month since then.

“By the end of the month, consumer sentiment, which holds the largest stocks, lost the gains seen in the preliminary numbers,” Su said. “Sentiment in this group has declined by about 2 index points since October, likely due to the stock market decline seen over the past two weeks.”

However, the expectations index for November was 51, slightly up from 50.3 in October. Tracks how consumers view their financial health and the overall economic outlook in the short and long term. Expectations have fallen by 33.7% since November 2024.

Expectations for last year’s inflation also fell slightly, falling to 4.5% from 4.6% in October.

Contact Rachel Barber rbarber@usatoday.com X Follow her at @rachelbarber_