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The dire state of the world’s coral reefs means the planet is now reaching its first tipping point due to human-induced climate change, the report finds.

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Thanks to the dire state of the planet’s coral reefs, the planet is now reaching the first tipping point in human-induced climate change, according to a new report by European scientists.

The second Global Tipping Point Report, released on October 13, said warm-water coral reefs, on which nearly one billion people and a quarter of all marine life depend, are “beyond the tipping point”.

The report says widespread coral die-off is occurring and unless global warming is reversed, vast coral reefs as we know them will be lost, but small refugia may survive and must be protected.

A “tipping point” occurs when a small change brings a system to a new state, triggering significant long-term transformation. In the case of climate, these points of no return are specific moments when the Earth warms so much that certain effects become irreversible.

The debate about tipping points in the climate system has intensified over the past two decades, according to research published earlier this year.

“We are rapidly approaching multiple tipping points in the Earth system that could have devastating effects on humans and nature and transform the world forever,” Tim Renton, a professor at the Institute for Global Systems Research at the University of Exeter and lead author of the new report, said in a statement.

He said the crisis demands unprecedented and immediate action from leaders and policymakers around the world.

Other tipping points include the melting of ice sheets, the displacement of the Amazon rainforest, and the collapse of important ocean currents.

How serious are the threats to Earth’s coral reefs?

「非常に深刻だ」とレントン氏はUSA TODAYへの電子メールで述べた。 “Coral reefs support the livelihoods of 500 million people and provide ecosystem services valued at more than $2 trillion annually. This includes supporting abundant fisheries and providing critical coastal protection from storm surges and sea level rise for communities and their assets that live behind coral reefs.”

全体として、サンゴは海の健全性に不可欠です。 Although it covers only 0.2% of the ocean floor, it is home to at least a quarter of all marine species.それらは稚魚に安全を提供し、より大きな魚の餌となる小さな生物や魚の住処となっています。

“We assessed that the tipping point for coral reefs would likely be about 1.2 degrees Celsius (more than 2 degrees Fahrenheit) of global warming, with a maximum of 1.5 degrees of global warming,” Renton said in an email to USA TODAY. “In the two years since we first reported the global tipping point, the world has spent most of the time at 1.5 degrees Celsius above pre-industrial levels.

“This has led to marine heatwaves and severe bleaching impacts on 80% of the world’s coral reefs. We also find it inevitable that global warming will exceed an average of 1.5 degrees Celsius (possibly as early as 2030). We therefore conclude that coral reefs have passed the tipping point where most of them are (or will be) suffering widespread die-off.”

Experts not involved in the report agree that coral reefs have indeed passed a tipping point. “I think many coral reefs, especially in Florida and the Caribbean, have passed a tipping point,” William F. Precht, director of coral and marine science at Biotech Consulting, said in an email to USA TODAY.

“Clearly, global climate change, in all its manifestations (bleaching, increased coral disease, more tropical storms, ocean acidification), poses an existential threat to coral reef health. Unless the root causes are addressed, reefs are headed in the wrong direction.”

“We probably crossed the tipping point for coral reefs decades ago, and the transition from historic reefs to other types of ecosystems is already well underway,” Terry Hughes, another expert at Australia’s James Cook University, said in an email to USA TODAY.

“The first global coral bleaching event occurred in 1998, (at the time) the hottest year on record. At the time, scientists predicted that as temperatures continued to rise due to global warming, these mass mortality events would recur more and more frequently.”

They were right, he said. For example, Australia’s Great Barrier Reef has experienced widespread and severe coral bleaching six times in the past decade (2002, 2016, 2017, 2020, 2022, 2024, and 2025). There are currently very few unbleached coral reefs left anywhere in the world.

“This report is a wake-up call (again) to governments around the world to urgently address the coral reef crisis. Local protection alone is not enough and is too often a smokescreen for inaction on climate change. For example, countries like the US, Australia and Saudi Arabia claim to be world leaders in protecting coral reefs and restoring small patches of coral reefs, but they still refuse to cut back on fossil fuels.”

What can the public do about this report?

“We can all play a role in triggering a positive tipping point that accelerates the transition to zero emissions to limit the risks from further climate tipping points,” Renton said. “For example, the adoption of clean technologies (such as rooftop solar panels and EVs) stimulates learning-by-doing and economies of scale that improve the quality of those technologies, lower their prices, make them more attractive to subsequent adopters, and generate amplifying feedback.”

Some progress has been made in recent years. “In the two years since the first Global Turning Points Report, we have seen a sharp acceleration globally in some areas, such as the uptake of solar power and electric vehicles,” Renton said in a statement.

“But to seize the opportunity for a positive tipping point, we need to do more and act faster. In doing so, we can significantly reduce greenhouse gas emissions, save the world from a catastrophic tipping point, and lead us to a prosperous and sustainable future.”

FBI investigates Air Force One and hunting platform that caught President Trump’s eye

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The FBI is leading the investigation into a hunting platform discovered near Palm Beach International Airport that had direct view of where President Donald Trump would disembark from Air Force One, authorities said.

In an Oct. 19 statement on X, FBI Director Kash Patel said U.S. Secret Service agents “discovered a suspicious stand near the AF1 zone in Palm Beach.”

The stand was discovered on Friday, October 17, hours before President Trump arrived at the airport to attend an elite fundraiser at his Mar-a-Lago mansion.

Patel told Fox News that Hunting Platform is not associated with any individual. The department added that it has sent personnel to collect evidence from the scene and plans to analyze local cell phone data.

The discovery of the hunting platform comes about a month after Ryan Routh was convicted of trying to assassinate President Trump in September 2024 at the president’s golf course in West Palm Beach, near the airport.

In July 2024, former President Trump was leading a rally in Butler, Pennsylvania when a gunman opened fire from a nearby rooftop, wounding him in his right ear. One Trump supporter was killed and two others were injured. Secret Service agents killed the attacker, Thomas Crooks, 20.

Amazon plans to pay a $2.5 billion settlement. How to get up to $51

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Amazon will issue refunds to eligible Prime customers after a settlement the Federal Trade Commission called “historic.”

The retail giant agreed to the settlement to resolve a 2023 antitrust lawsuit filed by the Federal Trade Commission in which federal authorities alleged that Amazon forced millions of consumers to sign up for Prime memberships, making it extremely difficult to cancel them.

In a statement after announcing the settlement on September 25, Amazon said it had “always followed the law” and “worked incredibly hard to make it clear and easy for customers to both sign up for and cancel their Prime membership.” As part of the settlement, Amazon agreed to make several changes to its website.

The amount each customer will receive from the $2.5 billion settlement is based on the total amount of Amazon Prime membership fees paid during the subscription period. However, according to the court order, that amount will be capped at $51 per customer.

Here’s what you need to know about Amazon Prime payments.

Do I need to file a claim in the Amazon settlement?

At first it wasn’t.

Automatic payments will be sent to Amazon customers who have redeemed their Prime benefits three or fewer times during a 12-month enrollment period. Customers eligible for automatic payments will receive them by December 24th.

Amazon previously confirmed to USA TODAY that eligible customers will receive monetary compensation, rather than Amazon credits or gift cards. Payments are processed by a third-party billing administrator.

Third-party billing administrators will send information on how to bill users who do not qualify for automatic payments by January 23, 2026. Eligible claimants must submit forms by July 23, 2026.

Who is eligible to receive payments from Amazon Payments?

According to the court order, Amazon customers must be enrolled in Prime between June 23, 2019 and June 23, 2025 to be eligible for settlement payments.

Customers are only eligible to receive payments if they unsuccessfully try to cancel their Prime subscription, or if they sign up for Prime through what the documents refer to as an “enrollment claims flow.”

A “dispute” flow means a subscription initiated through a specific page on the Amazon website, such as the “universal Prime decision page, shipping option selection page, Prime Video registration flow, or single-page checkout,” according to the court order.

Excerpts from Epstein accuser Virginia Giuffre’s memoir released

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Excerpts from the upcoming memoir of Virginia Giuffre, one of Jeffrey Epstein’s accusers, were released by CBS News on October 19th.

The published part of the memoir details a visit to the Louvre in 2021, when Giuffre was preparing to testify in a Paris court against French modeling agent Jean-Luc Brunel.

“For a while, everything went as I had imagined. I lost myself in larger-than-life bronze and marble sculptures, texting my husband pictures of the Four Prisoners, a quartet of shackled soldiers, and Hercules fighting an oversized snake,” the excerpt reads. “I walked up the stairs, turned a corner, and froze. I know this room, but a voice in my head screamed: I’ve been in this exact spot before, 20 years ago, when I was only 17.”

Giuffre, born Virginia Roberts, was one of the most outspoken of Epstein’s abuse accusers. She played a key role in the investigation, which ultimately led to criminal charges against the investor and his colleague, Ghislaine Maxwell.

She also filed a sexual abuse lawsuit against Prince Andrew in 2021, alleging that she was trafficked to members of the British royal family three times by Epstein around 2001 when she was a teenager. Andrew settled the lawsuit in 2022 and denied the charges.

On October 17, Buckingham Palace confirmed that Andrew would no longer use his royal title after he was stripped of his patronage and military status amid court action.

Giuffre died by suicide in 2024 near her home in Nealgabby, Australia. “Nobody’s Girl: A Memoir of Surviving Abuse and Fighting for Justice” is scheduled for release on October 21st.

Co-author says Maxwell should not be pardoned

In an interview with “CBS Sunday Morning” accompanying the release of the excerpt, “Nobody’s Girl” co-author Amy Wallace supported Giuffre’s claims. He added that Mr Giuffre “knew” that the names of those involved in his abuse had not been released.

“What she always said to me was, ‘I may not remember the day or the time or the date, but if a man raped me six inches from my face, I would remember his face,'” Wallace said.

Wallace called the abuse that Giuffre claimed went beyond sexual assault by Epstein and Maxwell a “modern-day ‘The Handmaid’s Tale,'” and said they asked Giuffre to bear their child and relinquish her parental rights. “Interestingly, that was the straw that broke the camel’s back,” Wallace said.

Wallace said he doesn’t think Maxwell needs a pardon from President Donald Trump. “This woman was complicit in sexual abuse and should never be tolerated.”

She added that Giuffre did not implicate Trump as part of Epstein’s “ring” while writing her memoir. Trump told reporters in July that Giuffre was among the staff he “stole” from Epstein and worked at the spa.

Family denies conspiracy to kill Giuffre

“CBS Sunday Morning” also interviewed Amanda and Giuffre’s sister-in-law and brother Skye Roberts, who told the show that losing custody of Giuffre in a legal battle with her husband may have contributed to her suicide.

“The worst thing that could happen to a mother is to be separated from her children. That was something she could not bear,” Amanda said.

Amanda denied conspiracy theories that Giuffre did not take her own life. “I was with her in her last days. So I was the one who found my lost sister.”

Contributors: Carissa Wadick and Anthony Anthony, america today

If you or someone you know is in need of mental health resources and support, call, text or chat with 988 Suicide & Crisis Lifeline or visit 988lifeline.org for access to our free and confidential service 24/7..

President Trump feuds with Colombian leader over drug smuggling ship attack

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The United States has launched military attacks on seven drug-trafficking vessels since September, killing at least 32 people.

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Colombia’s president has condemned the killing of U.S. officials in a military operation targeting drug-trafficking vessels in the Caribbean, and President Donald Trump has announced he will withhold aid to the country.

“U.S. officials committed murder and violated our sovereignty in our territorial waters,” Colombian President Gustavo Petro said on social media.

The United States has launched military attacks on seven drug-trafficking ships since September, killing at least 32 people. The latest attack was announced on October 19 by Secretary of Defense Pete Hegseth, who said the ship had been destroyed “transporting a large quantity of narcotics,” killing all three people on board. Legal experts and lawmakers from both parties have questioned the legality of the strike.

Petro said one of the airstrikes killed a fisherman who had “nothing to do with the drug trade.”

“The Colombian boat was adrift and was issuing a distress call due to engine failure,” Petro added in an Oct. 18 social media post. “We are awaiting clarification from the U.S. government.”

President Trump responded the next day, slamming Petro as “a very unpopular leader who is new to the United States but has low ratings.”

The president said the United States was cutting off financial aid to Colombia and warned it could go further.

Referring to illegal drug production in Colombia, President Trump wrote on social media on Oct. 19 that Petro “better shut down these murder scenes immediately, or the United States will shut them down for him, but that won’t work.”

Petro continued to criticize Trump, saying he was “disrespectful and ignorant of Colombia.”

Despite his feud with Petro, President Trump is sending survivors of a military attack on a drug smuggling ship back to Colombia. President Trump announced on October 18 that two people survived an attack on a submarine carrying illegal drugs heading to the United States.

The president said one of the survivors would be sent to Ecuador and the other to Colombia “for detention and prosecution.”

Petro has clashed with the Trump administration before. The State Department announced it was revoking the visa of the Colombian president who urged U.S. soldiers to disobey orders from Trump during a speech at a pro-Palestinian demonstration in New York City in September.

Petro, Colombia’s first leftist leader, accused President Trump of being “complicit in genocide” in Gaza in remarks outside the United Nations. He also called for “criminal proceedings” to be taken over the U.S. missile attack on a suspected drug-smuggling vessel.

Recent disputes between the two leaders highlight the risks posed by President Trump’s aggressive use of the military in the fight against suspected drug trafficking. Lawmakers are calling for a reduction in strikes.

In October, Republican senators blocked a bill pushed by Democrats Adam Schiff of California and Tim Kaine of Virginia that would have halted operations against boats in the Caribbean and would have reined in President Trump’s military actions without Congressional approval.

President Trump designated some drug cartels as “foreign terrorist organizations” in February, a move that officials say gives them legal justification for attacks.

The president has indicated he may go further and order land strikes to combat drug leaks from Venezuelan cartels.

President Trump told reporters on October 15: “We are certainly looking to the land now because the oceans are well controlled.”

This story has been updated to add new information.

Contributors: Joey Garrison, Cybele Mayes-Osterman

Can you claim your spouse’s Social Security benefits? What you need to know.

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Spousal benefits can benefit people with varying incomes.

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Millions of Americans rely on Social Security for most or all of their retirement income. Unfortunately, not everyone has enough career income to qualify for valuable benefits. Whether it’s due to inconsistent work, staying home to raise children, or any other reason, this can mean receiving little or no Social Security benefits.

The good news is that there is another way to receive Social Security benefits without using your own earnings record: spousal benefits. Social Security spousal benefits allow you to claim Social Security benefits based on your partner’s income record. If you’re approaching or approaching retirement and think this option is right for you, here are three things you need to know.

1. Who is eligible to receive Social Security spousal benefits?

The earliest age you can claim spousal benefit is age 62 (same as standard benefit), the only exception being if you support a disabled child or a child under 16. In the latter case, spousal benefits can be claimed at any age.

Two other criteria are that your spouse has already claimed benefits and that you have been married for at least a year. If you are divorced and have been married for at least 10 years, you can also claim spousal benefits if you are currently unmarried (even if your ex-spouse has remarried).

If you check these three boxes, you will be eligible to receive up to 50% of your spouse’s primary insurance amount (PIA). This is a monthly benefit that you receive by claiming benefits at your spouse’s Full Retirement Age (FRA). For example, if your PIA is $2,400, you may be eligible to receive up to $1,200. Below is the FRA by year of birth.

2. The amount you receive will vary depending on when you request spousal allowance.

Similar to standard benefits, if you claim spousal benefits before joining FRA, your monthly benefit will be deducted based on your distance from FRA. The difference between the two is how much the benefit is reduced. For the primary claiming spouse, claiming benefits before FRA will result in a reduction of 5/9 of 1% per month for the first 36 months. For each additional month thereafter, your benefit will be reduced by 5/12 of 1%.

The earlier you claim your spousal benefit, the greater the reduction. For the first 36 months, your benefit will be reduced by 25/36 of 1% each month. For each subsequent month, the discount rate decreases to 5/12 of 1% per month.

In this case, if your FRA is 67 and you claim standard benefits at age 64, your benefits will be reduced by 25%. If you claim spousal benefit at age 64, your spousal benefit will be reduced by 30%. If you claim a standard benefit or spousal benefit at age 62, your benefit will be reduced by 30% and 35% respectively.

Another notable difference between standard and spousal benefits is that your monthly spousal benefit will not increase if you delay claiming beyond your FRA. So realistically that should be the latest thing you claim.

3. Spousal benefits are converted in the event of the death of the primary claiming spouse.

If you are claiming spousal benefits and your partner dies, Social Security converts the spousal benefits to survivor benefits. Unlike a spousal benefit, a survivor benefit allows you to receive up to 100% of your deceased spouse’s benefits, including any delayed retirement benefits they earned before their death.

For example, if your spouse’s PIA was $2,400 per month, but you delayed benefits for two years and received $2,784, you would receive the full $2,784 instead of the maximum $1,200 you are eligible for in spousal benefits.

Widows are eligible to receive survivor benefits at age 60, or age 50 if they are disabled, if they were married at least nine months before the death of the primary claiming spouse. If you were married for at least 10 years and then divorced, you may be eligible to receive survivor benefits.

Since you cannot receive both spousal benefits and survivor benefits, this benefit conversion works in your favor since spousal benefits are capped at 50%. However, like standard benefits and spousal benefits, if you claim survivor benefits before FRA, your monthly benefits will be deducted.

The Motley Fool has a disclosure policy.

The Motley Fool is a USA TODAY content partner providing financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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President Zelensky talks about Tomahawk missiles and President Putin in NBC interview

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Ukrainian President Volodymyr Zelenskiy has signaled his readiness to take part in President Donald Trump’s proposed summit in Budapest, but said the American president needs to be tougher on Russian President Vladimir Putin.

In an interview with NBC News’ “Meet the Press,” President Zelenskiy said President Trump needs to put “more pressure” on Russia, comparing it to the president’s recent involvement in the delicate ceasefire agreement between Israel and Hamas.

“President Putin is similar, but stronger than Hamas,” the Ukrainian leader said, insisting that global pressure is needed to end the bloody war that began when Russia invaded its neighbor in February 2022.

Zelenskiy in an interview recorded after Friday’s visit to the White House. He said he told President Trump he was “ready” to participate in talks to end the violence.

On the eve of Zelensky’s visit to the White House, Trump said he would hold a summit with Putin in Budapest, Hungary, to work toward an agreement to end the war in Ukraine, an announcement made after a phone call with the Russian president.

President Zelenskiy told “Meet the Press” host Kristen Welker on Oct. 19 that President Trump did not approve Ukraine’s request for long-range Tomahawk missiles in their recent meeting, but suggested it was not an outright rejection. He explained that President Trump “didn’t say ‘no,’ but he also didn’t say ‘yes’ today.”

The missile can fly 1,500 miles, giving Ukraine a significant advantage in the ongoing war and potentially opening targets deep into Russian territory, including military bases, logistics hubs, airfields, and command centers. Russia threatens a new and dangerous escalation with the West if the United States sells them to Ukraine.

Earlier this week, President Trump appeared open to providing long-range missiles to Ukraine, but that position appears to have changed on October 16, after he spoke by phone with President Putin and agreed to hold another U.S.-Russian summit in the coming weeks.

President Trump told reporters, “We need the tomahawk for America.” “We have a lot, but we need it. We can’t use it up for our country.”

The president expressed a similar opinion in an October 19 interview on the Fox News program “Sunday Morning Futures,” telling host Maria Bartiromo that while he was “considering” Ukraine’s request, “we cannot give all of our weapons to Ukraine.”

Zelenskiy left Washington without an agreement on the procurement of American weapons, but expressed openness to a summit in Central Europe negotiated by the United States.

President Trump has long expressed a desire to end the nearly three-and-a-half year war. During his meeting with President Zelensky, President Trump said several times that he thought President Putin wanted a deal.

The last U.S.-Russian summit with Putin in Alaska failed to advance peace talks.

Contributors: Joey Garrison and Kim Hjelmgaard, USA TODAY.

Kathryn Palmer is USA TODAY’s political reporter. She can be reached at the following address: kapalmer@usatoday.com And to X@Kathryn Purml.

Coaches Poll Top 25 to be completely overhauled

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As expected, a tumultuous weekend in college football led to major changes in the U.S. LBM Coaches Poll. But there was one element of stability that unanimously ranked #1.

Ohio State received all 65 first-place votes cast this week after a shutout win over Wisconsin. Indiana moved into second place, surpassing its previous highest ranking achieved last week. Texas A&M, the last undefeated team in the SEC, moved up to No. 3, the Aggies’ highest ranking since 1995. Alabama and Georgia round out the top five.

Oregon State moved up three spots to sixth place. Georgia Tech, which maintained its unblemished record with the win at Duke, moved up five spots to No. 7, the Yellow Jackets’ highest ranking since 2007. Mississippi State and Miami (Fla.) fell out of the top five, but remained in eighth and ninth place, respectively. Brigham Young, the last team in the Big 12 to remain unscathed, made it into the top 10.

Top 25: Respond to US LBM Coach Poll after Week 8

Vanderbilt moved to a record 12th place in the coaches poll, overcoming LSU’s drop to 19th place. Louisville joins them in 22nd place thanks to their win over Miami. No. 24 Michigan State and No. 25 Arizona State also moved up in the rankings.

Memphis, Southern California and Utah are this week’s eliminations.

(This story has been updated to change the video.)

EV tax credit has ended, but EV lease contracts and discounts remain

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  • EV lease prices may have trended upward since October, especially on models that were previously eligible for the full $7,500 credit, said Stephanie Valdez Streety of Cox Automotive.
  • Automakers are approaching the end of the EV tax credit in a variety of ways, including specific incentives for some EVs.
  • According to Cloud Theory, as of October 5, Ford dealers had about 21,600 EVs in stock, while GM’s Chevrolet, Cadillac and GMC brand dealerships combined had about 38,800 EVs in stock.

Car buyers can’t expect a tax break because the tax credit for EVs ended on September 30th. But oddly enough, even in mid-October, there’s still talk of favorable lease deals and big incentives for electric cars.

“For every dollar you pay, you won’t find a better deal on a comparable ICE vehicle,” Ivan Drury, director of insights at Edmunds, told the Detroit Free Press, part of the USA TODAY Network.

But Drury cautions that consumers shouldn’t just focus on price. They need to make sure they are buying an electric vehicle now rather than a traditional internal combustion engine based on the features of the car or truck.

Drury says it’s essential that your charging infrastructure works with your lifestyle. Otherwise, he said, consumers who buy an EV on impulse may end up dissatisfied and realize they made a mistake that costs them more in the long run than the money they saved on the initial contract.

General Motors and Ford Motor Co. made headlines early on with a clever plan to use the Internal Revenue Service’s interpretation of deliveries to continue their low-cost EV deals by taking advantage of a $7,500 tax credit after September 30th. However, both companies have since discontinued these plans.

The in-house finance departments of the two car companies had made down payments on EVs on dealer lots by September 30th. Finance companies will now be able to claim the credits, which could be passed on to consumers through attractive lease deals later this year.

Now, automakers will not claim credit due to political pressure, according to reports from the Detroit Free Press, Reuters and other news outlets.

Still, General Motors is currently promising net savings of about $6,000 on EV lease deals through October. Ford has promised to maintain the competitive lease rates the automaker has maintained in the market.

Some EV deals, including 0% financing, remain attractive

Stephanie Valdez Streeti, director of industry insights at Cox Automotive, said overall EV leasing deals in October were a little less aggressive than promotions in September.

But the lease deals proposed in October still offer great value depending on the model and buyer profile, she said.

Back in September, Valdez Streeti said EV buyers were likely to have low down payments and lease deals in the $200-per-month range or less.

He said: “October’s major deals show a move towards premium trim and longer lease terms, with some standout offers as well.” For prospective buyers, some automakers are offering 0% auto financing on select models of EVs.

The Ford F-150 Lightning and Kia EV6 and EV0 are currently promoting 0% annual interest financing and cashback, which Cox Automotive says marks a “transformation into purchase incentives.”

Ford Credit Financing will also offer 0% interest for 72 months to eligible borrowers on the 2025 Mach-E in October.

According to Cox Automotive, one of the best lease deals in October is on the 2026 Chevrolet Blazer EV, with prices down $1,549 for a 24-month lease of $299 per month.

As for Stellantis, the automaker is replicating the federal tax credit for plug-in hybrid electric vehicles and battery electric vehicles with bonus cash on existing dealer inventory. Stellantis spokeswoman Anne-Marie Fortunate said the benefit applies to vehicle leases or purchases.

Hyundai notes online that the $7,500 cash incentive will carry over to the 2025 IONIQ 5 model.

On October 1, Hyundai announced significant price reductions across the 2026 Ioniq 5 lineup, “reinforcing the brand’s commitment to making EVs more accessible and competitive in the rapidly evolving EV market.” The initiative includes reducing the price of the 2026 model from $7,600 to $9,800.

As an example, the standard price for the Hyundai 2026 Ioniq 5 SE rear-wheel drive drops from $42,600 for the 2025 model year to an MSRP of $35,000 for the 2026 model year.

It is unclear what will happen after October.

How long a lease contract lasts will likely depend on how much inventory remains.

Valdez Streaty suggested that lease prices may trend upwards starting in October, especially for models that were previously eligible for the full $7,500 credit.

Undoubtedly, consumers may face additional uncertainty in determining EV lease timing and incentive eligibility.

“Obviously in September there was a lot of interest from people wanting to participate within that deadline,” said Todd Szot, whose family owns a dealership in Michigan. He sells Ford, Chrysler, Jeep, Dodge, Ram and Toyota vehicles through Schott Auto Group in White Lake, Highland Township, Holly, Waterford and New Hudson.

Going forward, Mr. Sott predicts that the EV business will be more than halved in the short term.

He said EV sales at Shot dealerships account for about 8% of business, which is not a significant part of the company’s business.

“For us, it’s really no big deal,” Szotto said.

Other dealers, especially those that built traffic through EV leasing, could face an even bigger impact this year and next.

So far, some attractive deals have lasted until early October. He noted that he has a 36-month Ford Credit Red Carpet Lease agreement for a 2025 Ford Mustang Mach E Select rear-wheel drive standard battery at a rate of $336 per month, with $336 cash due at signing. Deposits are waived, but title, tax, and license fees must be covered.

Prices for the luxury all-wheel-drive 2025 Ford Mustang Mach-E with extended battery will increase. The Red Carpet Lease Agreement was posted online on October 14th for $389 per month for 36 months, with $2,409 cash due at signing. This deal is available to A/Z plan customers and may not be available to all buyers. Deposit is waived, but title, tax, and license fees must be covered.

“EVs aren’t going anywhere,” Schott said. “I think this will create more natural demand as the product gets better and maybe cheaper.”

“I think EV adoption will start to grow again. I think it’s going to be a step back. But with natural demand and natural technology advancements, I think it will continue to grow as a percentage of our business.”

“I don’t know how much of our business that is,” Szotto said. “Ultimately the market will decide that.”

Edmunds’ Drury said automakers are generally approaching the end of the EV tax credit in a variety of ways, including specific incentives for some EVs, removing models from lineups, and halting product launches.

Automakers did not sell out of electric trucks and vehicles by the Sept. 30 deadline when the EV tax credit expires. Automakers also don’t expect EV production to stop completely due to credit expiration.

As of Oct. 5, Ford dealers had just over 21,600 EVs in stock, while GM’s Chevrolet, Cadillac and GMC brand dealerships combined had nearly 38,800 EVs, according to Cloud Theory, an analytics provider for the auto industry.

Hyundai dealers had 12,443 EVs in stock. Dealer inventory under the Stellantis brand (Jeep, Dodge, Ram) totaled nearly 3,100 EVs. Tesla and Rivian don’t have dealer networks, so Cloud Theory doesn’t track them.

Rick Weinschel, vice president of data science and analytics at Cloud Theory, said overall EV inventory has been reduced by nearly half since late June, when it stood at 196,255 vehicles.

As of October 5th, the total number of EVs in stock (again excluding Tesla and Rivian) is 100,568 units.

“The biggest contributors to this trend in terms of absolute supply declines are Hyundai, Honda and Audi, which have halved,” Weinschel said.

Toyota, Lexus, Nissan and Subaru have also seen significant declines, reaching very low levels, he said.

“All of these brands have announced in some way that they are slowing production and making significant shifts in their EV strategies in light of tariffs and the end of federal tax credits,” Weinschel said.

The end of tax credits remains a major challenge for many automakers.

“No automaker can sit back and act as if September 30th didn’t change their outlook and go about business as usual,” Drury said.

“Deals will continue to be offered as sales volumes cannot be sustained without them.”

EV leasing allows drivers to test how new technology works for them

The EV tax credit loophole pertained only to leases.

“Whether by design or coincidence, the loophole naturally corresponded to EV buyers’ preferred purchasing method,” Drury said.

Leasing an electric vehicle allows drivers to first test how an EV fits their driving habits and needs without fully committing to drastic changes.

“Leasing also addresses one of the biggest known negative issues with EVs: depreciation,” Drury said.

Consumers who lease an EV can simply return the vehicle at the end of the lease term, avoiding depreciation issues and knowing how long they can keep the car or how much it will be worth when they sell it.

“If someone buys or finances a car and decides it’s not for them after only a few years of ownership, they’re likely to end up with significant negative equity when they trade it in,” Drury said.

According to data from Edmunds.com, 71% of new electric vehicles sold in September were EV leases rather than outright purchases. The average lease payment was $567 per month, with a down payment of $3,248. The average MSRP of EVs sold was $63,061.

In contrast, let’s look at September sales data for cars and trucks with conventional engines. The average monthly lease payment was $600, slightly more than a leased EV. However, the average MSRP for these vehicles was much lower at $46,438. Only 17% of non-EV vehicles sold in September were leased.

Automakers have made headlines for slowing new product rollouts and canceling future product offerings. Such as when Ram announced in September that it would discontinue development of its all-electric pickup truck, originally called the Ram 1500 REV.

The end of the tax credit coincided with a slowdown in EV sales.

But Drury said there is some growing enthusiasm for EVs among early adopters.

He noted that in the third quarter of 2025, 52.1% of traded-in EVs led to the purchase of another EV.

He said more than half of buyers are generally enthusiastic about EV technology, and more are trying it out every month. And that could mean the EV market continues, especially as lower-cost EVs enter car dealerships over the next few years, he said.

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

Coach updates AP poll top 25

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When the US LBM Coaches Poll is released on Sunday, October 19th, four of the top 10 ranked teams will fall.

On Friday, Oct. 17, No. 2 Miami suffered a blowout loss to Louisville, 24-21, and No. 10 LSU traveled to Nashville and lost to No. 18 Vanderbilt, 31-24. No. 5 Ole Miss, which lost to No. 7 Georgia 43-35 on the road, will also drop several spots in the rankings, along with No. 8 Texas Tech, which lost 26-22 to Arizona State.

Georgia Tech has a good chance of finishing in the top 10 in the coaches poll after starting 7-0, as the Yellow Jackets defeated Duke 27-18 on the road in Week 8. The University of Oklahoma, ranked 13th, has a chance to return to the top 10 after suffering many losses to other teams.

The 6th place University of Alabama also defeated the University of Tennessee at home 37-20, winning the ranking for the fourth straight year.

Here we take a look at the polls updated after Week 8 of the college football season.

college football rankings

1st place votes are in parentheses.

  1. Ohio State University (65)
  2. Indiana
  3. Texas A&M
  4. Alabama
  5. georgia
  6. Oregon
  7. Georgia Tech
  8. Ole Miss
  9. miami
  10. BYU
  11. Oklahoma
  12. Vanderbilt
  13. virgin
  14. missouri
  15. Texas Tech University
  16. virginia
  17. tennessee
  18. texas
  19. LSU
  20. USF
  21. cincinnati
  22. Louisville
  23. illinois
  24. Michigan
  25. arizona

School you dropped out of: No. 20 Memphis, No. 21 USC, No. 22 Utah.

Other people to vote for: Navy 59; USC 52; Utah State 51; Tulane 45; Houston 34; Iowa 17; James Madison 9; Iowa State 9; San Diego State 4; North Texas 4; Washington 3; UNLV3; SMU3; Memphis 3; TCU 2; Pittsburgh 2; Boise State 2; Northwestern 1;

AP Top 25 Voting

This section will be updated.

Israel accuses Hamas of attacks and ceasefire violations, attacks Gaza

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In a major test for the fragile ceasefire between Israel and Hamas, Israeli officials announced Sunday that they had launched a wave of attacks in the Gaza Strip after Hamas militants allegedly opened fire on Israeli soldiers.

The Israeli military said in a statement on October 19 that it had launched a “series of attacks” against Hamas in southern Gaza, hours after announcing it had targeted militants in the Rafah area in response to attacks on Israeli soldiers. The Israel Defense Forces said the airstrikes targeted Hamas militants as well as tunnels and military facilities.

The moves in Gaza come shortly after Prime Minister Benjamin Netanyahu warned of major “action” against Hamas and accused the terror group of violating a cease-fire agreement that took effect less than two weeks ago.

The Ministry of Health in the Hamas-run Gaza Strip said on October 19 that at least eight people had been killed in Israeli attacks in the past 24 hours, according to Reuters.

After the airstrike, Hamas reiterated its commitment to the ceasefire agreement and said it was not aware of any incidents or clashes in Rafah and had not been in contact with the Rafah group since March, Reuters reported.

The airstrikes are the first major escalation in the region since the October 11 cease-fire agreement that led to the release of 20 Israeli hostages still alive after two years in captivity, and more than 1,700 Palestinians held by Israel since the start of the war. A further 250 Palestinian prisoners of war were also released as part of the first phase of a US-brokered peace plan.

In a statement on October 19, Netanyahu’s office said the prime minister met with the defense minister and security chiefs and instructed them to take “strong action” against what they called “terrorist targets in the Gaza Strip.”

The Israel Defense Forces said in a post to The military said the attack was aimed at “eliminating the threat and dismantling tunnels and military facilities used for terrorist activities” and that attacks on Israeli forces were a “clear violation” of the ceasefire agreement.

The reports of Israeli attacks on its troops came a day after the US State Department issued a statement warning that it had received “credible reports” indicating an imminent violation of the ceasefire agreement by Hamas.

Vice President J.D. Vance is scheduled to travel to Israel this week to promote implementation of the second phase of President Donald Trump’s 20-point peace proposal aimed at ending the two-year Israel-Hamas war.

The agreement freed 20 Israeli hostages, but tensions soon ensued when it became clear that the bodies of the 28 dead hostages would not be immediately released. Hamas blamed Israel and its destruction of vast swathes of Gaza for the delay in returning the bodies, and Israel threatened to use humanitarian aid in response.

As of the afternoon of October 18, 12 of the 28 hostages had been handed over to Israel.

This story has been updated with new information.

Contributors: Kim Hjelmgaard, Francesca Chambers, USA TODAY.

Kathryn Palmer is USA TODAY’s political reporter. She can be reached at the following address: kapalmer@usatoday.com And to X@Kathryn Purml.

Saving for retirement? Avoid these three mistakes.

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You don’t want to regret your choices later.

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Saving for retirement is one of the most important financial actions you can take. Once you stop working, you’ll need a way to pay your bills. And social security alone can’t make up for it.

If you earn an average salary, you can expect Social Security to replace about 40% of it. But most people need more than just a retirement income, so it’s very important to save for yourself.

But there are also certain mistakes you risk making in the process of building your nest egg. Here are three to avoid at all costs.

1. Overlooking the benefits of Roth accounts

When it comes to building your retirement nest egg, you have options. When you put money into a traditional IRA or 401(k), you get an immediate tax break on your contributions. Or you can forego the tax break and save in a Roth IRA or 401(k) instead.

You may be inclined to abandon the Roth to make your contributions tax-free. But keep in mind that with a Roth retirement account, not only are withdrawals tax-free in retirement, but any gains in the account are also completely tax-free.

Imagine being able to turn a $50,000 Roth IRA contribution into $500,000 over time through smart investing. In that case, you could earn $450,000 without paying a dime to the IRS.

Traditional retirement plans ultimately force you to not only pay taxes on your gains, but also take required minimum distributions (RMDs) in the future. These can result in you paying extra taxes in retirement and cause a lot of stress.

Imagine a situation where you have to receive a $5,000 RMD, but you don’t need the money. Ignoring an RMD can result in a $1,250 penalty. When you receive an RMD, you pay taxes on that amount. It’s a lose-lose situation.

Roth accounts do not come with RMDs. If you need more flexibility in the future, it may be worth choosing one over the other.

2. Not enough branching

So I found killer stocks for IRAs: stocks that are generating impressive returns and seem unstoppable. While it may be tempting to keep buying more stocks, you need to realize that focusing all your efforts on one company is a recipe for disaster.

One of the most important things you can do as a retirement investor is to diversify your portfolio. That way, if a particular stock you own goes down in value, you don’t necessarily lose your entire portfolio in the process.

A good way to diversify within your IRA is to accumulate stocks across different market segments. Employer-sponsored 401(k)s typically don’t allow you to own stocks separately. However, you can diversify your investment by investing in stocks. S&P500 index fund.

3. Not paying enough attention to fees

If you own a 401(k), it can be difficult to invest because it’s usually restricted to a variety of funds. That’s because you don’t have full control over the assets you invest in.

You might want to put your money into a target date or mutual fund and see where it goes. However, in that case, you may end up paying high fees and your profits may erode over time.

Are there better bets? We aim to continue with low-cost index funds.

Index funds are passively managed in nature. They simply aim to match the performance of the benchmarks they are associated with.

It’s also important to find out what administrative fees will be charged for participating in your employer’s 401(k). If costs are high and you can’t get a match at work, it may not make sense to keep your savings in the plan when you could open a lower-cost IRA instead.

Saving for retirement is great, but it’s important to do it strategically. Aim to avoid these mistakes so you can retire without regrets.

The Motley Fool has a disclosure policy.

The Motley Fool is a USA TODAY content partner providing financial news, analysis and commentary designed to help people take control of their financial lives. Its content is produced independently of USA TODAY.

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Donald Trump responds to ‘No Kings’ protests with Crown video

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President Donald Trump and the White House responded to the millions of protesters who took to the streets at “No Kings” rallies with a series of videos and photos of Trump wearing a crown, apparently generated by AI.

In one video the president shared on social media, he is seen wearing a crown, piloting a fighter jet emblazoned with “King Trump” and dropping what appears to be human waste on protesters. In another photo, he is seen wearing a crown and robe and wielding a sword as “Long Live the King” plays and former Democratic House Speaker Nancy Pelosi and others bow to him.

The White House also posted on social media an image of Trump and Vice President J.D. Vance wearing crowns, alongside images of House Minority Leader Hakeen Jeffries and Senate Minority Leader Chuck Schumer wearing sombreros.

“We are built differently,” the White House wrote when sharing the image.

Protesters gathered at an estimated 2,700 rallies across the United States on October 18 to oppose President Trump’s policies and extol the constitutional rights to freedom of speech and assembly. Many said they were angry at the Trump administration’s treatment of immigrants and other vulnerable people.

Republican leaders spoke out ahead of Saturday’s protests, blaming Republicans for the current government shutdown and labeling the Republican rally “America-haters.”

Kings organizers did not estimate that 7 million people attended the rally. The New York City Police Department said more than 100,000 people “peacefully” participated in the No King protests in America’s most populous city, and there were no arrests related to the protests.

If crowd estimates are correct, the one-day “No Kings” event will be the largest public outing in the United States since the first Earth Day 55 years ago. No major incidents or arrests were reported at other rallies that day.

Contributors: Sarah D. Wire, Jeanine Santucci

College football top 25 poll ranking predictions after Week 8

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  • The loss of four top 10 teams this past weekend will cause a major shake-up in the U.S. LBM coaches survey.
  • Indiana, Texas A&M and Georgia Tech are all expected to move up in the rankings after important wins.
  • Miami, Mississippi, Texas Tech and LSU are among the top teams with losses.

Get ready for a revamp of the U.S. LBM Coaches Poll.

Four teams that were in the top 10 last week lost last weekend, starting with Miami’s ugly loss to turnover-heavy Louisville on Friday night. This opens up a spot behind undisputed No. 1 Ohio State after yet another Big Ten loss.

Joining the Hurricanes will be Mississippi, which lost to Georgia. Texas Tech lost to Arizona State in the final stages. And LSU lost to Vanderbilt for the first time since 1990.

This will reshuffle the top five and add at least two new teams to the top 10. One of the obvious newcomers is Georgia Tech, which is off to its best start to the season in decades.

Here’s what the top 10 will look like in the coaches poll when the new top 25 is announced later Sunday.

1. Ohio State (6-0)

The Buckeyes defeated Wisconsin 34-0, suffering back-to-back shutout losses at home to the Badgers for the first time since 1968. Ohio State boasts one of the best defenses in the nation, and their offense isn’t too bad either. The more comfortable quarterback Julian Sane gets, the better things will get.

2. Indiana (7-0)

The Hoosiers would move up a spot and replace Miami. Indiana avoided the disappointment after the game against Oregon State by defeating Michigan State 38-13 behind 332 passing yards and four touchdowns from Fernando Mendoza.

3. Texas A&M (7-0)

A&M led Arkansas 21-6 in the second quarter, but allowed two touchdowns before intermission and couldn’t pull away from the Razorbacks until a knee kick with nine seconds left. While not impressive, the 45-42 win puts A&M ahead of many one-loss teams in the SEC and likely earns its highest ranking since 1995.

Ty Simpson scored two more touchdowns and the Crimson Tide extended their winning streak to six games with a 37-20 victory over Tennessee. Alabama deserves to be the highest-rated one-loss team in the country thanks to wins over Volante and Georgia.

5. Georgia (6-1)

The Bulldogs trailed 35-26 after the third quarter against Mississippi State, but dominated in the fourth quarter and won 43-35. The Stockton Gunners were great and the running game was lively, but the biggest takeaway from the win was Georgia’s elite play over the final 15 minutes.

6. Oregon State (6-1)

Oregon State took the frustration out of their loss to Rutgers and bounced back from their loss to Indiana, winning 42-3 in the first half before losing 56-10. The Ducks will remain in Big Ten and playoff contention until the end.

7. Miami (5-1)

Carson Beck’s four interceptions made the difference in Louisville’s 24-21 victory. That’s been part of Beck’s story since last season, when he battled turnovers as a starter at Georgia. While this may be a one-off for the most talented team in the ACC, this loss shows that Miami won’t be able to easily upset the better teams in the conference.

8. Georgia Tech (7-0)

The Yellow Jackets defeated Duke 27-18 to start 7-0 overall for the first time since 1966 and 4-0 in the ACC for the first time in 27 years and advance to the top 10. Tech scored the first touchdown on a long fumble return, but couldn’t put the Blue Devils away until two long scoring drives in the fourth quarter.

9. Mississippi State (6-1)

A loss to Georgia would drop Ole Miss in the rankings, but they don’t need to worry too much about the loss. But a loss to Oklahoma next week in Norman could be hugely damaging for the Rebels and could be a potential problem when the playoff selection committee begins comparing playoff candidates in early December.

10. Brigham Young (7-0)

This is a jump of four spots for the Cougars, who won 24-21 in the crusade against Utah. That’s enough to move BYU past Oklahoma, which has one loss, and Notre Dame, which has two losses, after the Fighting Irish beat Southern California.

Paris’ Louvre museum says thieves stole ‘precious’ jewels

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Thieves broke into the Louvre Museum in Paris through a window on October 19, stealing “priceless” jewelry before fleeing on a motorbike, the French government said.

The interior ministry said the robbers broke into the Apollon Museum building, which houses the French Crown Jewels, at around 9:30 a.m., when the museum was already open to the public.

It has not been revealed specifically what was photographed.

“An investigation has been launched and a detailed list of stolen items has been compiled. These items have valuable heritage and historical value beyond their market value,” the statement said.

No injuries were reported among the public, Louvre staff or law enforcement officers, it added.

The Louvre, the world’s most visited museum and home of Leonardo da Vinci’s Mona Lisa, announced to X that it would remain closed for the day due to “exceptional reasons.”

Earlier this year, Louvre officials requested emergency aid from the French government to repair and renovate the museum’s dilapidated exhibition halls and better protect its countless works of art.

Last year, the Louvre welcomed 8.7 million visitors.

(Reporting by Sybil de la Hamade and John Cotton; Editing by Tomasz Janowski and Alison Williams)

Government suspends live updates. Latest information on social security and airline tickets

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The government shutdown stretches into another week as most congressional Democrats and Republicans remain at odds and federal workers, military personnel and other Americans worry about vital paychecks.

The Senate funding bill failed for the 10th time on Thursday, but senators are scheduled to vote again on Monday. Democrats are warning of significant increases in health insurance premiums and are calling for an extension of health care subsidies to be included in the spending bill. The impasse looms toward a three-week closure target.

The longest government shutdown was 35 days in 2018 and 2019 during President Donald Trump’s first term. President Trump has taken workarounds to pay military and other employees, but many federal employees are furloughed or working without pay.

“We have to figure out a way to pay the Marines,” Vice President J.D. Vance told soldiers gathered at Camp Pendleton in California on Saturday for an event celebrating the Marine Corps’ 250th anniversary.

At the same time, the Trump administration has cut thousands of jobs at some federal agencies during the government shutdown and targeted federal funding to states and cities in the blue.

On October 17, President Trump’s White House announced that the Army Corps of Engineers would “immediately halt” $11 billion in infrastructure projects in several Democratic-led cities.

Postal services, including mail delivery, will continue despite the government shutdown.

The U.S. Postal Service confirmed in a statement on Sept. 25 that operations will not be disrupted by the closure and that post offices will continue to operate “as usual.”

“Our services will not be affected by the government shutdown because we are an independent entity and are typically funded through the sale of our products and services rather than through taxes,” it said in a statement.

it’s complicated. Transportation Security Administration personnel and Federal Aviation Administration air traffic controllers are considered essential employees. Therefore, they are required to work during the shutdown even if they are not receiving a paycheck.

Although delays overall are fairly low, staffing issues at some air traffic control facilities are causing problems. Earlier this month, the FAA had to delay a flight to Burbank, Calif., after the tower there was deserted for several hours in the evening.

It is important to note that not all delays during the shutdown are due to lack of funds. Regardless of what’s happening in Washington, weather remains a major factor in flight delays.

Still, in previous shutdowns, more of these essential workers started missing work, which led to longer security lines and delays at some airports.

– Zack Wictor and Kathleen Wong

Thousands of U.S. Department of Veterans Affairs employees have been furloughed, and some Department of Veterans Affairs services have been affected by the closure.

Veterans benefits such as compensation, pensions, education, and housing will continue to operate as usual. Medical centers and clinics remain open. Support services for suicide prevention, homelessness and caregivers will also remain available.

However, during the closure, VA benefit local offices will be closed, transition program assistance will be suspended, and Veterans Cemetery grounds will not be maintained. Relief efforts through social media and email have also been suspended.

In an Oct. 7 letter to Veterans Affairs Secretary Doug Collins, members of the House and Senate Veterans Affairs committees criticized the agency’s response to the shutdown. Lawmakers argued that the agency was misleading over claims that it could not respond to communications from lawmakers during the shutdown.

Meanwhile, Collins called Congressional Democrats’ actions “one of the greatest displays of hypocrisy in recent history” in an op-ed for The Hill published Oct. 10.

Although “non-essential” government operations, including the National Park Service, have been suspended indefinitely, access to recreational areas themselves has not yet been affected by the federal government shutdown.

All 63 national parks across the country have technically been open for public use since closures began on October 1st.

However, some services, such as the Grand Canyon’s South Rim Visitor Center, may be restricted or closed to the public until a funding package is passed.

– Amaris Encinas and Sudiksha Kochi

Yes, Social Security payments, including Supplemental Security Income, retirement, disability, and survivor benefits, will continue during the government shutdown.

Social Security benefit programs are considered mandatory expenditures by law and are therefore not affected by the expiration of appropriations. Payments will continue to be made regularly during the shutdown.

Social Security offices will remain open during the closure, but only some services will be available.

– Sudiksha Kochi and Melina Khan

Approximately 46,000 full-time U.S. military personnel are without pay during the federal government shutdown, despite President Trump’s calls for active duty soldiers to be paid.

Affected military personnel, known as dual-status technicians, are full-time employees of the National Guard and other reserve units who, under federal law, are required to wear military uniform every day, maintain part-time military personnel, and meet military standards.

Deemed a “rare bird” by the Supreme Court, dual-status technicians often work side-by-side with active-duty members of the force, receiving different pay and different benefits for similar tasks and risks. Active-duty colleagues received their full paychecks on Oct. 15 after President Trump directed Defense Secretary Pete Hegseth to transfer approximately $6.5 billion in payroll funds.

– Davis Winkie and Sudiksha Kochi

The Senate is scheduled to reconvene Monday at 3pm ET. The Senate is then expected to vote on a measure to end the shutdown around 5:30 p.m. ET.

If passed, the government shutdown would end once President Trump signs the funding bill. But if the vote is rejected, the shutdown will continue as it has been for the past two and a half weeks.

– Sudiksha Kochi and Fernando Cervantes Jr.

Contributor: Swapna Venugopal Ramaswamy

Drug overdose death, Alzheimer’s disease, and the grieving process

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Grief affects us all, but not in the ways we always think. Yes, people die, but so do pets. We may feel sad about our dreams, our jobs, our health, and our past selves. Grief is not linear. A common misconception is that it doesn’t happen in stages. It is unique to the individual.

After embarking on a series documenting various grief journeys, we asked for your input. What kind of grief did you experience? Are you willing to share your story publicly?

We have over 700 responses and the number continues to grow. Here’s what some of you have shared. You can submit your own story here.

Astrid Oliver (56 years old) and Deanne Slaughter (57 years old)

“Both of our sons died of drug overdoses. We met in a support group. One of the things we talked about was that we couldn’t find anyone talking about what it was like to live life after this happened, and long after it happened. ‘Will things get better?’ ‘What is this experience like?’ “What would it be like for me?” These were some of the questions we had in the early days when everything was new and awful and we were trying to find something to connect with. So we started a podcast (Two Mothers with Two Dead Children) where we talk about what life is like three and eight years after the death of our children. Will it help someone? I don’t understand. But here we are.

In our experience, you feel like a failure when your child dies from a drug overdose. I feel like I’m responsible and I feel like I’m really the worst. You will lose your strength and confidence. You lose perspective on yourself and your parents. You feel completely defeated.

When you lose, you tend to get stiff and it’s not a very good feeling. When this happens, you feel like you can never move forward or heal. But maybe it can be cured. Maybe we can shift to a place of love rather than the loss of a child. Maybe you’ll be able to recognize who you used to be and who you are now. We began a year-long conversation to find out what that would look like and how to make it happen. ”

Carlos Olivas, 58 years old

“I am caring for my father who is battling Alzheimer’s disease. He is a successful artist and as a family we try to normalize life with dementia as much as possible. We don’t talk to him about my brother’s death because we want to protect him. So I grieve in silence.

As a caregiver, I struggle to hide my own mourning process while being present with love every day. Caregiver support groups and therapy were essential in helping me work through my grief. Long before my brother died of alcoholism in 2022, I was already living with anticipatory grief, an ambiguous sense of loss, and the cumulative sadness that comes with dementia. Having a safe space to speak up reminds me that I am not alone in this journey.

Our family was also selected to be featured in the 2025 PBS documentary, Matters of the Heart: My Alzheimer’s Disease. This documentary is a powerful and intimate look at three families, including ours, navigating the challenges and beauties of caregiving. ”

Charlotte Seehafer, 59 years old

“It’s been more than seven years since I found Justin dead in his condo. Some days I’m okay, some days I’m not. Over the years, I’ve tried many things to ease my grief, but most have failed spectacularly. His 36th birthday was last week, but he’s forever 28 years old. I still sometimes get random ‘grief storms’ that come out of nowhere and can last several days.” It took some time, but I started to pay more attention to my son’s birthday and death anniversary. Once you start spinning out to let people around you know what to do.

I was doing everything right. I sent him to Catholic school. We joined Cub Scouts and served as leaders for five years. We went on adventures as a family and went to Disneyland every year. We gave him a good life. I was a teacher and my husband was a police officer. We were involved in his life. I never expected something like this to happen. But it happened. I still feel like there’s a hole in my chest. It still hurts. Grief is hard. Living for your family is difficult. I still feel very alone and alone. ”

For this senator, President Trump’s special education cuts are personal.

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Maggie Hassan of New Hampshire, whose adult son has cerebral palsy, has built her political career around advocating for students with disabilities. More layoffs by the federal government are worrying her.

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WASHINGTON – For New Hampshire Sen. Maggie Hassan, watching more than 120 jobs related to special education disappear during the U.S. government shutdown was personal.

President Donald Trump has ordered mass layoffs across the federal workforce as part of an effort to pressure Democrats like her to vote to end the ongoing budget crisis, now in its third week. The layoffs included about one-fifth of the U.S. Department of Education and nearly everyone in the special education department, according to court documents and the education agency’s union.

This is especially painful for Hassan, a two-term lawmaker and former governor who has an adult son named Ben who was born nearly 40 years ago with cerebral palsy, a neurological disorder that affects movement and posture. The senator’s son needed some of those very programs when he was in school, but now with no one to administer them, his fate is uncertain.

“This is a huge blow to children and families across the country,” Hassan said in an interview with USA TODAY. “No voter is asking me to close the door to children with disabilities.”

Her concerns echo those of many families across the country and highlight the real-world risks and complex politics of the federal government shutdown. Special education cuts were temporarily suspended by a federal judge on Oct. 15, but the past week has triggered a wave of anxiety among parents and teachers. Special education support groups say they have been flooded with questions.

Lawmakers were also caught off guard by the Trump administration’s move.

“It’s outrageous,” Sen. Tim Kaine (D-Va.) told USA TODAY. “I was surprised in a way that they did it in such a high-profile way.”

Education Secretary Linda McMahon, Trump’s Cabinet secretary, who cut the department’s leadership in half in March, has remained largely silent on the matter since the firings were announced. Her office did not formally confirm the move until an Oct. 17 court filing. Two days earlier, McMahon insisted in his first public statement on the issue that special education funding would not be affected by the staffing changes.

Weeks into the shutdown, “millions of American students are still attending school, teachers are being paid, and schools are operating as usual,” she said. “The Department has taken additional steps to improve contact with America’s students and families and to root out the education bureaucracy that has placed unnecessary oversight burdens on states and educators.”

During his confirmation hearing in February, Mr. McMahon agreed with several senators, including Mr. Hassan, about the need for special education services. She suggested they could be better supervised by an agency other than her own, namely the Department of Health and Human Services, but stressed that she still “wanted to make sure students with special education needs had those needs met,” Hassan recalled.

The Secretary of Education continues to insist that special education is her priority. Still, Hassan said she felt cheated. “For them to act the way they did shows me that her testimony was not true,” she said. “Or she didn’t understand the full scope of special education services.”

Staff in a legally ambiguous position. IDEA funding threatened

According to government data, between 7 million and 8 million students receive special education services in public schools. They are eligible for these programs through the Individuals with Disabilities Education Act (IDEA), the primary federal law that protects the rights of students with disabilities.

IDEA, passed 50 years ago, gives billions of dollars each year to states, which then give them to school districts, which use those funds to pay for special education services.

In Hassan’s son’s case, that funding and its requirements allowed the school to connect him with appropriate resources, specifically an occupational therapist and alternative communication devices. In fifth grade, thanks to these tools, his teacher noticed that he could answer multiple-choice questions by raising his hand. Although he was unable to speak, they finally began to better assess his learning progress.

“These things have allowed him to be a more engaged student and really give him a quality of life that he wouldn’t have had otherwise,” she said.

Most of IDEA’s funding has already been disbursed this year, but nearly everyone responsible for its oversight and management has been laid off, USA TODAY reported. More than 120 employees have been fired from the Department of Special Education and Rehabilitation Services, the Department of Education said in recently filed court documents. If states and schools have trouble defunding needed funds in the coming weeks and months, they will likely turn to officials currently in legal limbo.

The same goes for schools that have questions about the technical aspects of IDEA. This is also often the case for parents who are attempting to file a civil rights lawsuit. Nearly 140 employees of the Office of Civil Rights were also laid off. (Most investigations in that office concern disability-related discrimination.)

“The idea that we’re disrespecting these people is unacceptable,” Sen. Bernie Sanders, R-Vermont, told USA TODAY. Mr. Sanders is the senior member of the Senate Education Committee, on which Mr. Hassan and Mr. Kaine also serve.

Already, most of the laid-off staff are not doing their regular jobs to support schools, as required by the Department of Education’s closure contingency plan. Because of the crisis, they, along with most agency employees, have been furloughed indefinitely until the government reopens.

republican view

Hassan is not the only senator with strong personal ties to special education.

Sen. Markwayne Mullin, Republican of Oklahoma, serves with her on the Senate Education Committee. He comes from a generational family of special education teachers, including his mother, sister, and grandmother.

He told USA TODAY he supports the latest Department of Education cuts.

“Special editing isn’t working the way it’s supposed to,” he said. “The definition of insanity is doing the same thing and expecting a different result.”

Other Republicans have made similar points in recent days. Rep. Tim Walberg (R-Mich.), chairman of the House Education Committee, emphasized that Republicans want to eliminate bureaucracy from the education system.

“While the Department of Education is shrinking, schools remain unaffected. This is proof that the return of power to the states is working,” he said in a statement. (Schools have reported a variety of issues related to Department of Education staff cuts.)

Wahlberg and Sen. Josh Hawley (R-Missouri) both placed the blame for the cuts on Democrats, not the White House.

“The answer to everything is to reopen the government as soon as possible,” Hawley told USA TODAY.

But unlike furloughs, which typically release employees from work without pay during a shutdown, layoffs are permanent. The latest firings have come under legal scrutiny and are likely to remain suspended for some time, but the U.S. Supreme Court has so far given Trump broad deference on federal hiring for a second term.

Neither the White House nor the Department of Education has specifically said that reopening the government will prompt a change in thinking about layoffs, even at the Office of Special Education.

“Long-term trends”

The complex political dynamics of the government shutdown have put senators like Hassan, who voted with Republicans in March to keep the government funded, in a difficult position.

The president has vowed to use the shutdown as an opportunity to eliminate programs he doesn’t like, regardless of the pain of Americans who rely on the programs. He promised to “cancel” a long-planned multibillion-dollar commuter rail project in New York’s Lower Hudson River. New York is home to the top two Democratic members of Congress. He has also targeted infrastructure projects in other blue states and cities, including recently San Francisco and Massachusetts.

And while he ordered the Department of Education to implement layoffs, the impact extends beyond special education. They hit programs for homeless students, gifted students, historically black colleges and universities, tribal colleges, and college access services for low-income students.

Despite this pressure campaign, Hassan and other Senate Democrats remain steadfast. They refuse to pass funding legislation unless Republicans take steps to improve health care for Americans. Their main concern is that health insurance subsidies from the Affordable Care Act (also known as Obamacare) will increase for millions of people when they expire at the end of this year.

Seemingly out-of-control circumstances led to one of the longest shutdowns in American history. If it continues for three more weeks, it will surpass the record set during President Trump’s first term. So far, there has been no movement on either side, with senators voting against reopening the government by nearly a dozen votes. Bipartisan behind-the-scenes work continues between moderates in both parties, but it’s unclear how far the talks are or whether they will result in a deal with enough support to turn the lights back on.

The week after the special education layoffs were revealed, Hassan stood his ground. She vetoed Republican funding bills three more times.

“No one should accept the government’s excuse that they are somehow doing this because the government is shut down,” she said. “This is part of a long-term trend.”

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

College football Week 8 winners, losers include Vanderbilt, Georgia

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Another SEC loss would be a crisis for LSU and coach Brian Kelly’s dominant tenure.

No. 17 Vanderbilt defeated the No. 10 Tigers, 31-24, by controlling the clock, commanding the line of scrimmage and winning in the red zone on both ends, playing cleaner, crisper and bolder football.

The Commodores are 6-1 for the first time in 75 years and are in the midst of the College Football Playoff buzz. LSU could make other plans.

After months of unwarranted hype heading into the regular season, the offense is very disappointing. The Tigers averaged 6.6 yards per play against Vanderbilt, but were unable to put together a sustained drive, missing several shots inside the Commodores’ territory and making just four field goal attempts.

Defensively, the program has made great strides under second-year defensive coordinator Blake Baker, but it still falls short against ranked teams. LSU allowed 239 rushing yards on 5.3 yards per carry and had no answer for quarterback Diego Pavia, who had 246 yards of total offense and three touchdowns.

Vanderbilt’s victory ended the series losing streak at 10.

Kelly is certainly an acquired taste. But when he’s winning soccer games, it’s easy to lose that flavor. Notre Dame was willing to accept 12 years of red-faced nonsense as part of the price for 113 wins and eight placings.

LSU doesn’t have the same kind of patience and never will. LSU’s coach resigned less than two months after its last loss to the Commodores. Kelly definitely won’t resign, but he’s heading toward leaving after his fourth season.

LSU, Vanderbilt, Georgia State lead the biggest winners and losers in Saturday’s college football games:

winner

georgia

After trailing 35-26 heading into the fourth quarter, No. 7 Georgia went on a 17-0 run to narrowly defeat No. 5 Mississippi State, reaffirming its status as an SEC powerhouse. It was the Bulldogs’ second win in the SEC shootout this season, after the victory over No. 11 Tennessee, and it shows how this team can adapt to different styles and defeat high-tempo teams, which will be a huge asset as Georgia looks at the type of teams it may face in the playoffs. The biggest star was quarterback Gunner Stockton, who had the most productive passing game of his career, completing 26 of 31 passes for 289 yards and four scores. He added 59 rushing yards and a touchdown on the ground.

No. 12 Georgia Tech returned a fumble 95 yards for a score and mustered enough offense in the fourth quarter to beat Duke 27-18 and advance to 7-0 for the first time in 59 years. The Yellow Jackets trailed 10-7 late in the third quarter, but rallied and finally put the Blue Devils away with two long touchdown drives with less than five minutes remaining. Tech is 4-0 in the ACC for the first time in 27 years and is expected to continue climbing in Sunday’s new USA LBM Coaches Poll.

Diego Pavia

His performance against LSU put Pavia back in the Heisman Trophy conversation after suffering in a loss to No. 6 Alabama. Pavia’s case for national hardware is built not just on numbers, but on how it helped turn one of the weakest programs in the Power Four into a legitimate contender for the nation. He has shown grit and the ability to make plays in the biggest moments.

boise state

Boise State defeated previously undefeated UNLV 56-31 in a clear victory that clinched the pecking order at the top of the Mountain West. Running back Dylan Riley gained 201 yards and 13.4 yards per carry for the Broncos, who will take a breather next against Nevada before playing two important conference games against Fresno State and San Diego State. The Rebels’ loss is good news for the Americans, and knowing the Mountain West won’t field an undefeated champion should make things a little easier when it comes to the playoffs.

james madison

The Dukes’ offensive numbers in the 63-27 win over Old Dominion are worth mentioning: JMU threw for 313 yards, ran for 311 yards, averaged 7.9 yards per play, and held the ball for over 40 minutes in this matchup of Sun Belt championship favorites. Quarterback Alonza Barnett III had 295 passing yards, 11.8 yards per throw, two touchdowns, an additional 153 yards on the ground and four rushing scores.

Alabama-Birmingham

Alabama-Birmingham fired coach Trent Dilfer and a week later defeated 20th-ranked Memphis 31-24. That’s probably no coincidence. Memphis drove to the UAB 1-yard line with seconds left, but was assessed two false start penalties before quarterback AJ Hill’s fourth-down pass fell incomplete. This is a complete tragedy for the previously undefeated Tigers, as they pushed past Florida Atlantic and Tulsa to begin play in America, clearly missing out on one of the worst teams in the league, the Blazers. With this loss, Memphis will have to face three of the conference’s best teams: 23rd place South Florida, Tulane and Navy.

loser

mississippi

A loss in Athens is by no means fatal, but things could get interesting if the Rebels lose next week against No. 13 Oklahoma. This feels like a missed opportunity as Georgia State pulled away in the fourth quarter, but the bigger concern is how easily the Bulldogs could have won in the trenches. Georgia ran for 222 yards and gave up just 88 yards on 3.7 yards per carry. Another issue is the play of quarterback Trinidad Chambliss. Despite scoring two points, he had his worst game of the year, shooting just 52.8% for a touchdown.

Clemson

You can stop waiting for Clemson to find the next gear and soar to the top of the ACC. The Tigers, playing without the injured Cade Klubnik, lost 35-24 to SMU, falling to 3-4 on the year and 2-3 in conference play, ending their chances of making the playoffs with the momentum they had in the second half of last year.

wisconsin

No one expected Wisconsin to beat No. 1 Ohio State. I should have scored points. One week after suffering a shutout loss at home to Iowa at Camp Randall Stadium for the program’s first shutout loss since 1980, the Badgers suffered a shutout loss to the Buckeyes 34-0, marking the first consecutive shutout losses at home since 1968. This is a dark, dark time for the University of Wisconsin as the very disappointing Luke Fickell era is coming to an end.

What are the winning numbers for Powerball’s $295 million jackpot?

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The Powerball jackpot was drawn after no one won the top prize on Wednesday, October 15th, and rose to $295 million on Saturday, October 18th.

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 $140.3 million before taxes.

Top 10 Powerball Jackpots

  1. $2.04 billion – November 7, 2022 – California
  2. $1.787 billion – September 6, 2025 – Missouri, Texas
  3. $1.765 billion – October 11, 2023 – California
  4. $1.586 billion – January 13, 2016 – California, Florida, Tennessee
  5. $1.326 billion – April 6, 2024 – or
  6. $1.08 billion – July 19, 2023 – California
  7. $842.4 million – January 1, 2024 – Michigan
  8. $768.4 million – March 27, 2019 – Wisconsin
  9. $758.7 million – August 23, 2017 – Massachusetts
  10. $754.6 million – February 6, 2023 – Washington State

Check below to find out the winning numbers for the October 18th Powerball drawing.

Powerball winning numbers for October 18, 2025

The winning numbers for Saturday, October 18th are: 3-11-27-40-58 and the powerball 10. The multiplier for “power play” is 3x.

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, October 20th, just after 11:00 PM 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 select your lottery games and numbers, place your order, view your tickets, and claim your winnings, all from your mobile 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_.