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10 Most Economically Responsible Cities in America

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A group of Midwest cities, including Des Moines, Iowa, Madison, Wisconsin and Minneapolis, ranks the country as the most “financially responsible” according to a new report.

Minneapolis has a very low consumer share with its largest credit card. The Maddsonian uses a brilliantly low quotient of available credits. Des Moines residents don’t spend much of their income on housing.

Personal finance site Lendingtree ranks the 100 largest metropolitan areas on five metrics of financial health, focusing on the ideals of living within one’s own means. The July 7 report is drawn from Federal Reserve and Census data and a sample of 260,000 anonymized lending tree users.

Here are 10 most “economically responsible” cities

According to Lendingtree, these are the 10 most economically responsible cities in America.

  1. Monk
  2. (Tie) San Jose, California
  3. Madison
  4. Minneapolis
  5. Pittsburgh
  6. Durham, North Carolina
  7. Grand Rapids, Michigan
  8. (Tie) Harrisburg, Pennsylvania
  9. Syracuse, New York
  10. Akron, Ohio

Several other Midwest cities rank among the top 20 financial responsibilities of lending tree, including Kansas City, Missouri (13), Cincinnati (14), Columbus, Ohio (18), and St. Louis (20). Other financially healthy metros include Knoxville, Tennessee (12th on the list), South, and Rochester, New York (16), Northeast.

According to analysts at Lendingtree, cities near the top of the ranking tend to have solid household incomes and reasonable cost of living. These qualities are closely related with good trust.

“Most of this overall report comes down to income and credit scores,” said Matt Schultz, chief consumer finance analyst at LendingTree. “For example, income doesn’t lead to the ability to get a credit card, but once you get a card, it plays a big role in setting the amount of credit limit.”

Five cities where consumers live within their own means

Here is a snapshot of the Top 5 Metros for Financial Health:

  • Monk Score well across all five metrics. They spend more than 35% of their income on housing, for example, the fourth-lowest rate in 100 big cities.
  • San Jose It is linked to two other cities due to its lowest debt income ratio of 51%. The city also has the highest share of consumers using less than 30% of the available credits.
  • Madison Credit cardholders have the lowest share, with 16% using the largest card.
  • Minneapolis The second lowest in the large metro with cardholder share using the largest card.
  • Pittsburgh It is the third lowest share of households spending more than 35% of housing income.

If the most “financially responsible” metros have something in common except geography, it could be a cost of living. Some of the nation’s most infamous and expensive cities, including New York, Boston, San Francisco and Seattle, are even more sitting under the list. (San Jose is a notable exception.)

“There’s not much to replace low cost of living,” Schultz said. “It affects everything you do financially.”

5 Ways to Improve Your Credit Score

Three of the five metrics in the Lendingtree analysis are credit-related. The biggest cards and excessive credit checks tend to hurt consumer credit scores. A low credit score will result in a higher loan interest rate and a lower credit card limit.

Here are five expert tips to help you build a better credit score.

Pay your bills on time

The biggest factor for a FICO credit score of 35% is your payment history. That means paying your bill on time, very simply.

That means “don’t miss out on your payments, especially more than 30 days.” “All the hard work you’ve done can be reversed by missing one payment.”

Credit cards, mortgages, rent, utilities: If it takes a long time for a creditor to report it, it could appear as delinquent on almost any credit report.

Try paying on time, Lasner said. If you missed your payment, please correct your monitoring immediately.

Don’t use too many credits

The second biggest factor in credit reports, which accounts for 30%, is payment amount. The metric refers to credit usage. How many credits are actually available.

The goal is to avoid using available credits whenever possible. Having a higher credit limit and having more credit cards can help keep your credits low if you use your credit carefully.

If possible, I’ll pay off my card every month, experts say. Please avoid using too much credits available.

“I think the best practice here is to try and keep your utilization below 30%,” says Joel O’Leary, personal finance writer at Motley Fool Money, to USA Today in June. “But I think sweet spots are 10%, or less than 10%.”

Build your credit history

The length of your credit history accounts for 15% of your credit score. This metric is all time. The duration of your credit account being open, average age, and frequency of use.

Experts say it’s wise to leave your old Zero Balance credit card account open, especially if you don’t have an annual fee. Keeping them active will increase your credits available and document your credit history.

Monitor your credit report

Research by consumer reports and work money from consumer groups shows that almost half of all credit reports may contain errors. Some errors can lower your credit score.

Experts say consumers should check their credit reports at least once a year. You can access reports for free on the website AnnualCredItreport.com.

If you find an error, please report it to your credit department. If the error is on a specific account, you can also contact the company directly.

Beware of “hard” credit inquiries

Every time you apply for a new credit and a creditor draws the file, it can affect your credit score. According to Experian, these are called “hard surveys” and can affect your score for 12 months.

Among other scenarios, applying for a credit card, car loan, or mortgage usually results in harsh inquiries. Takeout: Be aware that it triggers too many credit checks.

Tax cuts to change for gambling with Trump’s “big and beautiful bill”

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  • From 2026 onwards, tax laws will make enough changes to irritate people who dream big by betting online and buying lottery tickets heading to casinos.
  • Instead of gambling losses being deducted across the full range of gambling prizes, the loss would be limited to 90%, said Tom Osaben of the National Association of Tax Professionals.
  • Many gamblers do not itemize deductions and therefore do not receive tax cuts on losses. That remains under President Donald Trump’s “big, beautiful bill” new tax law.

Gamblers lost a small tax cut in the nearly 900-page mega-tax and spending bill that President Donald Trump signed into law on July 4th.

For example, if you win a $1,000 bet in the Super Bowl in 2025, you can claim a maximum of $1,000 in gambling loss by itemizing all your deductions when you file your federal income tax return next year. And in this example, that victory will not be taxed.

But the game ended when taxes on gambling changes ruled in 2026.

What are the tax rules regarding gambling?

It remains true. You can only claim gambling losses up to the amount of your prize money if you itemize all deductions. Most people have not recently won items because they get better tax deductions by taking the standard deduction.

The amount of loss that can be deducted is limited by the prize money. Deductible losses cannot exceed the total prize money for that year.

How new tax laws will change things for legal gamblers

Changed: From 2026, tax laws will change enough to bother many people who dream big by heading to casinos, betting online, or buying lottery tickets.

That means you can only deduct 90% of your losses in 2026 with a $1,000 victory and then you’ll be deducted. In this example it’s $900. The winner in this example will pay taxes on the $100 prize in 2026 when he filed his tax return for that year.

“Instead of deducting gambling losses to the full range of gambling prizes, they’ll be limited to 90%,” said Tom Osaben, a registered agent for tax content and government relations and director of government relations for the 23,000-member National Association of Tax Professionals.

Without a doubt, the new 90% limit will not affect the 2025 tax returns filed early next year. Applies only to prizes and losses made after 2026.

Mark Starber, chief tax information officer at Jackson Hewitt Tax Services, told the Detroit Free Press earlier this year. And that’s still true.

However, he said that anyone who considered a professional gambler and self-employed person is eligible to deduct travel and accommodation costs while working.

However, the new tax law makes it clear that costs associated with carrying around gambling activities such as travel, admission fees and accommodation related to professional gambling will be treated as a loss of gambling and are subject to a 90% cap.

As a result, from professional poker players to young gamblers, you can use the app to bet on soccer.

Some people already want to see the new tax rules changed

On July 7, US Rep. Dina Titus introduced legislation to restore 100% deductions for gamblers. The Nevada Democrats call her bill my fair betting law. This calls for a “fair accountant of income realized from taxation of wagers.”

“It gives a fair shaking to everyone, from recreational gamblers to high stakes gamblers,” Titus said in a statement.

“We should encourage players to properly report prizes and bets using legal operators. Changes to the Senate simply encourage people to not report prizes and use unregulated platforms.”

According to a group spokesman, the American Games Association praised the introduction of fairbet laws as the group hopes Congressional leaders and the Trump administration will restore long-standing tax treatment of game losses.

In the beginning of the spring, an industry group that includes members including Draft King, MGM Resorts International, Churchill Downs, Firekeeper Casino Hotel, Cherokee Nation Hotel and other big names should consider “not only maintaining itemized taxpayer deductions, but also getting Gross’ net to risked for spows for spose spose for intemings and spows for intemizers as an issue of fairness.”

“Under current policy,” a letter sent to Congressional leaders in May said, “most taxpayers do not identify items, and many games’ customers are subject to discrepancies in which they are unable to cover losses and are taxed on the full amount of total game victory.”

“As a result, those who are in a position to lose at the end of the year are effectively taxed on income they haven’t received,” the letter said.

Others have also spoken out on social media.

The Nevada-based tax returner posted what was featured on X. If the law remains at a 90% limit and comes into effect in 2026, it will hurt high stakes gamblers.

“But so is the average gambler who gets ‘good fortune’,” Russell Fox said.

“Vegas was built on a dream. If that dream was removed (or reduced significantly) by bad law, Vegas would be hurt.”

I think the same applies to casinos at other 1 million spots where many people choose to gamble legally.

Please contact Personal Finance Columnist Susan Tom Paul: stompor@freepress.com. Follow himr x @tompor.

How Trump Putin Bromance Flowered – And Sour

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Only last month, the US president called Russia’s Vladimir Putin “very kind.” Now, Donald Trump says Putin’s words are “meaningless.”

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  • President Donald Trump and Russian President Vladimir Putin have long expressed their praise for each other.
  • Trump’s patience with Putin appears to be diminishing as Moscow escalated an air attack on Ukraine and rejected ceasefire efforts.
  • The Pentagon has updated its weapons shipment to Ukraine. Momentum is also built for bipartisan laws that impose serious sanctions on Russia.

President Donald Trump said he would end the war in Ukraine within the first 24 hours of his inauguration.

But now, for over 4,000 hours, Trump’s patience with Vladimir Putin, which the US president called “very kind” last month, appears to be wearing thin clothes. Relations hit a wall as Russian leaders repeatedly rejected Trump’s attempts to mediate a ceasefire, as Russian leaders advanced by strengthening drone and missile attacks.

“If we want to know the truth, we’ll get a lot of b**shits thrown into us by President Putin,” Trump told reporters on July 9, summarizing what Ukrainians and other veteran Russian watches have been saying for 20 years. “He’s always been very kind to us, but it turned out to be pointless.”

This is how Trump Putin’s geopolitical love events became sour.

Trump and Putin got off to a good start

Trump began in person meetings with Putin shortly after taking office, saying a lot to Putin’s joy – he said he was ready to maintain the territory of Ukraine, which was already taken when Moscow invaded Kiev in February 2022. At the same time, Trump said he is not interested in spending more on defense of Ukraine. He said this was an issue that was made public when Ukrainian President Voldimia Zelensky visited the White House in February.

“You don’t have a card right now,” Trump told Zelensky, who was brought live on television and appeared to be disrespectful of Ukrainian leaders. Trump said Putin was a victim of a “fake” American “witch hunt.” He said Ukraine needed to make concessions and began pressing Kiev to sign an agreement on the wealth of its minerals.

Putin escalates Ukraine’s attack

For many years, American intelligence agencies and officials have struggled to understand President Putin’s exact foreign policy goals. In Ukraine, their best guess is that they want to undermine it as much as possible as part of their efforts to protect it from the NATO military alliance and to maintain or restore the boundaries of Russia’s cultural and economic influence. That means draining morale for people and communities through the waves following the waves of drone and missile attacks that grabbed Ukraine’s land and killed thousands of civilians, according to the United Nations.

At least in the time frame where he is renewing consultations with the White House, what Putin reveals is that he is still intended to smash Ukraine into a fatal effect. In fact, Russian drone and missile strikes have been rising since Trump took office in January, according to an analysis by the Washington-based Institute’s War Research Institute. It seemed Trump would take some time to publicly admit this. However, he finally said in April, “I am not satisfied with the Russian strike against Kiev. It’s not necessary, it’s very bad timing. Vladimir, stop!”

A Ukrainian living in Kyiv said in a WhatsApp message that he, his wife and children were “completely mad” for having to run repeatedly to bombs, metro stations and underground parking garages to seek shelter at speeds that they had to evacuate since the start of the 3.5-year war.

Evolving policies to meet evolving relationships

Trump seemed to scrutinize praise and shun carefully to avoid criticizing Putin. The origin of this praise is not well understood. Both men say they first met on the sidelines at the 2017 International Summit in Germany during Trump’s first term. However, Trump also recorded that he first met Putin in 2013 when he visited Moscow for the Miss Universe pageant. In any case, five months ago, Trump said he knew Putin “very well” and believes he “want peace” in Ukraine.

Still, nothing came in the indirect Trump-brokered ceasefire talks between Ukraine and Russia. And after multiple calls with Putin since taking office, it appears that Trump is changing his thoughts and behavior towards Putin and Russia. After a brief pause, he ordered the Pentagon to restart its transport weapons to Ukraine. The White House is further increasing pressure on European countries to help Ukraine provide the most needed air defenses. Some countries have recently adhered to it.

Momentum is being built on due to bipartisan laws that impose severe sanctions on Russia – if Russia refuses to negotiate a peace agreement with Ukraine, it would amount to 500% tariffs on the countries that buy, sell or supply Russian oil, gas, and oil. South Dakota Republican Senate Majority Leader John Toon said the bill could be ready for votes soon this month.

Sen. Elizabeth Warren, a Massachusetts Democrat, said in an interview that “we need a Russian sanctions bill that places some real constraints on the president’s ability to play again with Putin.”

Meanwhile, Secretary of State Marco Rubio told Malaysian reporters on July 10 that Moscow presented a “new concept” that could open the door to peace during a meeting with Russian Foreign Minister Sergei Lavrov. Rubio said they shared ideas and information about bringing it back to Trump. Trump teased “major” statements on Russia earlier next week on his part.

Has the bromance finally finished? Did it really start?

Putin is a former KGB executive and has been trafficked for a long time with misinformation, misinformation, propaganda and complete lies. Trump often makes false or misleading claims in his speeches and social media posts.

A former US envoy to “Trump” and Ukraine Bill Taylor said in an appearance in the media this week that he “sees Putin as the problem.”

Japan Earthquake: How do you live in the Tokara Islands where the ground is constantly shaking?

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Tokyo
CNN

The school’s principal Yoshiro Tobo is one of the few people left on his remote Japanese island, and the earth is constantly shaking from earthquakes.

The 52-year-old said he was exhausted and surprised by his sleep as “endless” earthquakes roar around Akusekijima in the Tokara Islands, which has endured more than 1,800 earthquakes in the past three weeks.

His colleagues were among the 49 evacuees who evacuated to the mainland on Sunday by ferry after the strongest earthquake on July 3rd, making it difficult for them to stand up by knocking furniture.

However, Tobo told CNN how he fell behind as the only gatekeeper of the island’s school.

“It was shaking over and over for days. I feel very anxious and scared, and it’s difficult to sleep,” he said.

“In their worst case, earthquakes look endless. You can feel when something big is coming. Even in your sleep, you can feel that you’re approaching from afar.”

Akseki Island, located in the Tokara Island chain in Kagoshima Prefecture, southwestern Japan, after an earthquake of 5.5 hit the island.

During an emergency evacuation on Sunday, Tobo opened the school playground to the remaining 19 islanders and five contractors, providing open space away from the building that can collapse due to trembling. So far, the school remains unharmed.

“I evacuated around midnight and went to bed around 1:30am, but I couldn’t sleep well. Some of the earthquakes were very strong,” he added.

But he said responsibility comes with work.

“As a school administrator, I chose to stay on the island and support the efforts by coordinating with government officials and local residents,” said Tobo, whose family lives in Kagoshima city on the Kyushu mainland.

“I’m home at night, and I always feel ready to evacuate (to school) even in the middle of the night.”

Arikasasha, an employee of the Toshima Village office that manages the area, said the community was “deprived of sleep” and “weary” due to “continuous earthquakes that continue day and night.”

Like Tobo, those still on the island include firefighters, farmers, utility workers, one doctor and one nurse.

Tobo students resumed lessons via online classes on Tuesday. It followed a time when children were walking to school in helmets as a precaution, and the school was closed for two days.

“Until then, some of the kids were still on the island,” the principal said. “They looked uneasy and scared of the ongoing earthquake. I did my best to encourage and reassure them.

“We pray that those remaining on the island remain safe and that their homes are spared from damage.”

In nearby Koda Karajima, it is one of Tokara’s seven residential islands, like Akisekijima, but local authorities have confirmed that 15 residents have evacuated and 44 remain with four contractors.

Matsumoto, the principal of the island’s school, also stayed behind, saying all supermarkets and stores were originally closed and that daily necessities are still being delivered by ferry from Kagoshima.

However, after sleepless nights, he expressed optimism, saying, “The interval between the earthquakes has increased.”

“The earthquake seems to be slowly subsidering and I hope this continues,” he told CNN.

Matsuno confirmed that all students were “healthy” and that half attended classes online after evacuation, while the other half continued in person.

Approximately 700 residents of the 12 island archipelago appear to be familiar with such procedures. One school’s website shows that children were evacuated under their desks during a drill at Akusekijima last month.

In addition to the strongest earthquake on July 3rd, the region is classified as strong enough to wake up a sleeping person, according to the unique seven-storey Sindh Strength Scale in Japan.

Level 4 had at least 39, and I felt that most people were walking. Level 5 may cause 4 windows to be crushed. There are 3 upper 5, making it difficult to move without support.

Residents and visitors aboard the ferry to evacuate Akseki Island on July 4, 2025, following a preliminary 5.5 earthquake of 5.5.

The area has previously experienced long periods of tremors, but in 2023, one important event led to 346 recorded earthquakes.

Officials said there is currently no risk of a tsunami, but local media warned that the ground remains unstable. Residents have been warned about the possibility of collapse of buildings and landslides.

On Saturday, the Japanese government warned about the possibility of a stronger earthquake in the region, but urged its people not to believe the baseless comic book predictions for the major disasters that hit the country on July 5th.

This comes from rumors inspired by the manga “The Future,” which warns of a major disaster in March 2011.

The “complete version” released in 2021 claims that the next major earthquake will be a hit this July.

Earthquakes are common in Japan and account for about a fifth of the world’s tremors of magnitude 6 or higher.

The country is on the so-called Ring of Fire, home to 75% of the world’s active volcanoes, where around 90% of all earthquakes occur. Extending almost 25,000 miles, a horseshoe-shaped ring of fire encircles most of the Pacific Ocean.

This is where many structural plates meet and oppose each other, causing friction that releases energy and creates shaking that is released during the earthquake.

Hanako Montgomery contributed to this report.

In fact, Glassdoor has abandoned 6% of its workforce.

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Certainly, Glassdoor fires around 1,300 employees. Announced by Recruit Holdings, the parent company of online jobs and workplaces.

Tokyo Nurse HR and Jobs Company, which acquired the company in 2012 and 2018, respectively, said they acquired the company in 2012 and 2018, respectively, according to a press release from the company. The cut amounts to about 6% of the company’s 20,000 employees in its business unit.

A memo seen by Reuters on Thursday, July 10th said it will cut two job sites.

In fact, glass door recruitment is partly just the latest workforce cuts in the technology sector due to the development of AI. In February, Facebook’s parent company Meta fired more than 3,000 employees, while financial and human resources software company Workday cut 1,750 employees. Recently, Microsoft cut around 4% of its workforce in July after a 3% reduction in May.

Recruit CEO Hisayuki “Deko” Idekoba did not explain the reason behind the cut, but in an email to employees, “AI is changing the world and we have to adapt by providing a truly amazing experience for job seekers and employers,” Bloomberg reported.

Most of the jobs being cut are within the US and R&D, growth, and people and sustainability teams, but reductions range across all functions and several countries, the memo said.

Certainly, Glassdoor’s integrated strategy

The company said the operation of the employment and company review site Glassdoor will actually be integrated into the job search site, adding that Glassdoor CEO Christian Sutherlandwon left the company on October 1st.

Also departing: It is actually Lafawn Davis, the chief operating officer of Recruit, Lafawn Davis, who resigns on September 1st and will take over.

The economic impact of job cuts is “already largely incorporated” into the outlook for the remaining year of the fiscal year ending March 31, 2026, the company said.

Contribution: Reuters

Mike Snyder is a reporter for the trending team at USA Today. You can follow him in the thread, send BlueSky, X with X and send him an email Bliss & @mikegsnider.bsky.social & @mikesnider &msnider@usatoday.com

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When South Korea becomes the leading arms supplier of US allies, its best customers are on the edge of war

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Seoul, Korea
CNN

Poland has concluded its contract to acquire a second batch of 180 Korean tanks under the 2022 contract.

The contract highlights Poland’s emergence as a European military force and South Korea’s position as a major arms supplier, particularly as an American stockpile for US allies around the world.

As Russia intensifies its attack on Ukraine, some of it comes within 100 miles of Polish territory on Ukraine’s western border.

Warsaw has increased its defensive spending since Russia’s invasion of Ukraine, helping Kiev defend it while acquiring new weapons.

As a member of NATO, bordering Ukraine, we will see some of the alliance’s primary line of defense if Russian leader Vladimir Putin decides to extend the invasion beyond Ukraine.

Poland’s Ministry of Defense announced a tank deal that still needs to be officially signed in a post on social media platform X earlier this month.

The price will reach $6.7 billion and it says it will include 80 support vehicles, ammunition, logistics and training packages for the Polish Army.

The contract for the K2 Main Battle Tank, considered the world’s most powerful K2 main battle tank, includes units in Korea where the establishment of the Polish production line for the Korean Hyundai Rotem and Polish variants will take place in Korea, according to the Korean Defense Gaining Program Management (DAPA).

K9 Thunder's self-suppressing how shellgun will take part in the military's daily military parade in Warsaw, Poland on August 15, 2023.

A Polish Ministry of Defense post on the X states that 60 batches of 180 tanks will be constructed in Poland. The first 30 Korean-made tanks included in the new contract are expected to arrive in Poland next year, he said.

In 2022, both countries signed a contract with Poland to win 180 k2s. All but about 45 people have been delivered, with the rest expected to arrive in Poland by the end of the year, Hyundai Rotem said.

That framework was considered South Korea’s largest overseas defense contract. The Polish Ministry of Defense said at the time it included a total of 980 K2S, 648 self-propeller K9 armored guns and 48 FA-50 fighter jets.

The ministry said armored vehicles will replace Soviet-era tanks that Poland donated to Ukraine for use in the battle with Russia.

A March report from the Washington, D.C.-based Wilson Centre said Poland gave Ukraine more than 300 tanks and 350 infantry combat vehicles and armored personnel.

Poland has recently gained the advantage after Russia has stepped up its drone attacks on Ukraine.

The Russian drone barrage of drone against the Rusk city in northwestern Ukraine was very violent, with Warsaw scrambling fighter jets as a precaution. Rootsk is approximately 50 miles from the Polish border.

The NATO report in April cited Poland’s efforts to dramatically increase defensive spending in the face of Russian threats. According to the report, Warsaw’s defensive spending rose from 2.7% of GDP in 2022 to 4.7% expected in 2025.

“Of all NATO allies, we spend the highest percentage of GDP on defense,” the NATO report said.

It noted that Poland purchased South Korean weapons to quickly fill the gap left by donations to Ukraine.

A report by the Wilson Centre said Poland “has emerged as Europe’s most capable military force.”

However, a May report from Rand Corp think tank expressed caution regarding funding for Polish arm accumulation.

Many of the purchases are “funded through direct loans from the countries that supply the equipment,” Rand said, adding that “if it is proven impossible to secure such a loan, market funding may be too expensive to turn the framework agreement into a binding agreement.”

Rand also said Poland is facing recruitment challenges and needs to increase the strength of its military by almost 50% over the next decade.

Ukrainian President Voldymi Zelensky and Polish President Andrzezi Duda greet each other as they arrive at a meeting outside the Marinsky Palace in Kiev, Ukraine on June 28, 2025.

Meanwhile, South Korea has emerged as the 10th largest arms exporter in the world in the past five years, according to Stockholm International Peace Institute.

Meanwhile, Poland received 46% of South Korea’s military exports, with the Philippines receiving 14% and India receiving the Philippines at 7%, according to Sipri’s international arms transfer trends 2024 report.

When the war in Ukraine was dragged out, US aid to Ukraine and Israel discharged weapons stockpiling, similar to the Israeli war in Gaza. Therefore, a 2024 report from the DC-based Stimson Center shows that South Korea is considered an option for US allies that require weapons.

And Seoul’s arms industry may become important for Washington in the future, the report said.

“The increase in South Korea’s defense industrial base capacity, particularly in weapons and shipbuilding, could directly support the United States,” the report said.

Shipbuilding is considered a specific region of South Korea’s military industrial power, and Washington has already seen a contract to maintain US Navy supply ships to the Korean Yard, with the Navy working on the backlog at US shipyards.

In addition to the K2 tank, South Korea sent 174 K9 how shellguns to Poland under the 2022 framework, leaving 38 people delivered.

Hanwha said the second tranche of the 152 K9 is in work.

According to the manufacturer, Korea Aerospace Industry, of the 48 FA-50 jets ordered, only 12 have been sent so far.

You can use a different credit score for Fanny/Freddie mortgage

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The regulator’s decision to allow a major change in the way mortgages take on is to meet mixed receptions from housing and finance professionals.

“Today, Fannie and Freddie will allow lenders to use the Vantage 4.0 score to increase competition with the credit score ecosystem and to match President Trump’s landslide mandate to reduce costs.”

FHFA oversees Fannie Mae and Freddie Mac, two giant government-sponsored companies that guarantee almost half of US mortgage debt. Fannie and Freddie buy loans from banks and other financial institutions, so changing the process is important to lenders across the country and the borrowers they serve.

In this case, Pulte was referring to VantagesCore, the company that provides credit scores. A numerical expression of the likelihood that a borrower will pay off the loan. Lenders who offer mortgages with the intention of selling to Fannie or Freddie have the option to use VantagesCore or to evaluate borrowers to continue using their competitor, FICO.

“By allowing FHFA to choose the credit score model that FHFA will use when delivering loans to Fannie Mae and Freddie Mac, it will help us achieve our additional competitive goals in the credit score space and reduce consumer costs correctly.

“We need more competition between credit bureaus and an end to monopoly practices to lower prices and improve accuracy,” Sharon Cornelissen, housing director for the United States Federation of Progressive Consumers, told USA Today in an email. “Coach Pulte’s actions are a step in the right direction and we hope he continues to work on reducing the costs of closing consumers and expanding access to mortgages.”

However, some consumer advocates believe that the introduction of Vantage Scores into the mortgage space will actually reduce competition by integrating the industry’s shares more firmly at the hands of the three credit bureaus that own the company, Transunion, Experian and Equifax.

“The Big Three Credit Bureau is essentially a functional monopoly,” said Chi Chiu, director of consumer reporting and data advocacy at the National Center for Consumer Law. “If you need a mortgage, you have to draw all three reports. There’s no choice. They created VantagesCore to drive FICO out of the market because they want the whole market. FICO is the only independent actor.”

Ingmar Goldson, a Maryland-based consumer attorney, reflects those beliefs. “ Given that VantaseScore is owned by three main credit bureaus, I remain skeptical of claims from Fannie, Freddie, or the station itself.

Anthony Hutchinson, head of VantagesCore’s spokesman, told USA Today that the company’s model, where consumer information provides creditworthiness information to lenders, is more “overall” than FICO.

Among other things, Hutchinson said the VantagesCore model can blend consumer information over a period of time. This “trend” approach is more useful than looking at the consumer at once, as it can show whether a person’s financial health is improving or weakening.

VantagesCore also argues that the 33 million Americans who are “uncredible” – that is, they don’t have credit scores at all – and that a more modern approach to collecting data is better at scoring.

But Wu says she doubts those numbers. In fact, the Consumer Financial Protection Agency recently published a study suggesting that the number of invisible credits is only about a tenth, or about 2.7 million. Wu also points out that FICO incorporates some of the more dynamic credit attributes.

A FICO spokesman emailed us in response to a request for comment from the USA.

“FICO welcomes the competition in a level playing field for credit score providers. We compete fiercely in all US consumer credit markets. FICO scores are freely chosen by lenders, investors and other market participants. Non-fit.”

Opening credit scoring space to real competition and easing the path to homeownership for more Americans — will also receive bipartisan support in biased Washington. Pulte’s decision comes from a law introduced years ago by Republican Sen. Tim Scott (S.C.) and Democrat Sen. Mark Warner (Va.), Hutchinson points out.

The Credit Score Competition Act, the Act on 2018, was signed into law as part of the Economic Growth, Regulatory Relief and Consumer Protection, but it took FHFA several years to decide how to implement it. Senator Scott was one of the lawmakers who encouraged faster action on that front in 2023.

Wu believes that a slower approach is the best given the number of stakeholders involved in such a big transition. “I think it’s Bonker to change the well-thought-out decisions that were the result of a lot of processes with arbitrary tweets,” she said.

Aside from concerns about industry background, the existence of Vantagescore may not make a difference to consumers in terms of immediate savings. When asked about how little one of the scores was compared to the FICO score, the company biased the question to the Credit Bureau. equifax and Experian did not respond immediately to requests for comment.

CFA Cornelissen admits savings are minor despite support for Step. “A few dozen dollars,” she said.

(This story was updated to update the headlines.)

Motocross Star Rising Mother reveals the cause of death

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Aidan Zinge, a 16-year-old motocross star, passed away from “The Heart Tamponade.”

The fatal mid-race crash crash took place on June 28th at Lake Mammoth, California, and his parents said they hope it will help resolve the situation regarding Zingg’s death.

The Mono County Sheriff’s Office is conducting an autopsy of Zingg, who lived with his Southern California family.

Sarah Roberts, a spokesman for the Sheriff’s Office, said there was no information to be released.

“Family is the same, if not more information,” Roberts wrote in an email.

Shari Zingg did not provide any additional information.

The death is being investigated by the Mammoth Lake Police Station.

Zingg is one of three motocross riders who have passed away this year, with fewer than 16. In February, a 12-year-old boy was killed in a motocross collision in Georgia. 2 of Aidan’s Death In June, 1/2 weeks, a 14-year-old boy died in an accident during a motocross clinic in North Carolina.

What is a heart tamponade?

According to the Cleveland Clinic, this is a medical emergency, and providers report that needles or surgery require the removal of excess fluid.

According to the Cleveland Clinic, “We need quick treatment for good outcomes.”

According to the Cleveland Clinic, the heart tamponade “describes a heart that cannot pump enough blood because there is so much fluid around it. The power of this liquid makes it difficult for the heart to do its job.”

According to the National Library of Medicine, chest trauma is one of the causes of tamponade in the heart.

According to race promoter Myron Short, Zingg suffered a chest injury during the collision.

USA Today readers share their favorite seasonings

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Friday is France’s Friday day across the country, and when it comes to how we soak them in their fried potatoes, USA Today readers are overwhelmingly in favor of ketchup.

As Instagram and Facebook votes were shared on Friday morning, 59% of USA Today followers voted Ketchup as their favorite seasoning to soak in fries. As of 2:45pm on July 11, 663 followers were voted, with 59% in favour of ketchup. Surprisingly, “Other” came in second with 15%, while Ranch and Mayo came in third with 13%.

USA Today readers are not outliers. A survey published by Talker Research in New York last month found that 81% of Americans consider ketchup to be the best seasoning for fries. And not only that, but 78% of participants said that the dipping sauce can cook or break meals, while 73% of Americans eat fries with seasonings.

Here’s how to adopt a USA Today poll:

Are you interested in measuring? Visit your USA Today Instagram or Facebook account to view polls on each platform’s stories (you can click or touch the USA Today profile photo).

MetaStory polls allowed only up to four options, and voters were unable to show a particular preference when they answered “other.”

What is French Fries Day nationwide?

According to the National Day Calendar, National French Friday, a makeup holiday, is celebrated every second Friday in July. For “holidays,” countless restaurant chains offer customers free fries and promotional deals.

Gretacross is a national trend reporter for USA Today. Story ideas? Please email her gcross@usatoday.com.

“This is a tough one,” Trump says on his flood-heavy visit to Texas.

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President Trump has rejected questions about flood warnings and preparations as he visited a Texas community that was devastated by floods last week.

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President Donald Trump praised his recovery efforts in central Texas and pledged full federal support as he visited the state a week after the devastating floods destroyed the community.

Trump said his administration is doing “all of its power to help Texas” after the July 4 flood last weekend killed at least 120 people, but the search still leaves 160 other 160 people missing.

“It’s tough,” Trump said on his July 11 trip he kicked off a 47-minute debate in Carville, Texas with local, state and federal officials. “It’s hard to believe in destruction. A 100-year-old tree has just been torn off the ground. I’ve never seen anything like this, I’ve seen a lot of bad things.”

Trump said he met parents who lost their children in the flood. “No one is thinking about how and why this happens,” he said, recalling the “young angels” who died while staying at Camp Mystic, a girl’s camp.

“The hearts of Americans are shattered,” Trump told the community

The president’s visit to Texas sought to blunt criticism from Democrats who claimed that the president’s National Weather Service cuts may have slowed the agency’s weather forecasts and flood warnings to reach residents on the morning of July 4th.

Trump said the federal government deployed more than 400 first responders, allowing 1,500 rescues during the flood.

“The people here – the first responders, the sheriff’s office, all the police, law enforcement, they did an incredible job,” Trump said.

Trump and first lady Melania Trump investigated the damage near the Guadalupe River in Carville, which contains capsized tractors, several fallen trees and plastic debris as the president was briefed by Texas Gov. Greg Abbott and local officials.

Putting on a white “American” hat, Trump nodded his head as he listened to the staff. Along the site, residents stand in front of a strip mall and those living at the intersection where they were dumped when a Trump convoy rolled.

“American hearts are shattered across the country,” Trump said. “All beautiful souls. We are full of sadness and devastation over the loss of life. And unfortunately, they are still watching. There are many missing children.”

Melania Trump provided “deepest sympathy” to everyone who lost their loved one. “We are saddened with you. Our country is saddened with you,” she said, pointing to the bracelet she received from the camp in honor of the deceased girl’s campervan. “I’ll be back. I promise.”

Trump snaps to reporters asking about the flood warning system

Trump avoided playing a denunciation game in response to the Texas flood disaster, taking a dramatically different approach in a Republican-led state compared to the Los Angeles wildfires in January, and he has now pinned mainly to Democrat government Gavin Newsmom. Last year, Trump accused President Joe Biden of slow response to Hurricane Helen’s devastation in North Carolina.

“They screwed us up in North Carolina, but when we entered January 20th, they fixed it right away,” Trump said of FEMA.

He challenged a reporter who asked about concerns about the community’s flood warning system.

“Only evil people will ask such questions,” Trump said. “I think this was heroism… It’s easy to look back and say, ‘Oh, what happened here and there.’ ”

CNN has reported new cost management rules that have delayed FEMA’s response to Homeland Security Secretary Christie Noem in Texas. DHS challenged the report. The new DHS policy requires NOEM to personally sign off all contracts over $100,000 issued by FEMA and other departments in her division.

Democrats, led by House Oversight Committee Texas officials and Rep. Jasmine Crockett, sent a letter on Friday asking for a “answer” from the Commerce Department general and the National Maritime and Atmospheric Administration, which oversees the National Oceanic and Atmospheric Administration.

“The tragic loss of life underscores the urgent need to understand what contributed to this disaster and how we can prepare for future disasters,” their letter to NOAA reads. “Strict surveillance is needed not only to provide answers to the sadistic community in central Texas, but also to save lives in future extreme weather events.”

The White House says FEMA has enough funds to help with recovery

On his way to Texas in Air Force 1, Trump was joined by Abbott and two Republican US senators from the state, Ted Cruz and John Cornyn. Rep. Wesley Hunt, whose Congressional district is near Houston rather than flooded areas, has joined the president. R-Texas Rep. Chip Roy joined the president at the roundtable.

At one point, Trump gave the microphone to television personality and loyal supporter Dr. Phil.

White House budget director told reporters early Friday that the Federal Emergency Management Agency had the funds to support flood recovery efforts, even if the Trump administration spoke about the removal of FEMA.

Russ Vert, director of the White House Management and Budget Office, said FEMA has approximately $13 billion in reserves to pay the costs needed in Texas.

“The president told Texas he got whatever it needed,” Vought said.

Earlier this week, Noem continued his call for FEMA to be “excluded to exist today” in order to have more control over the hands of local and state authorities. Her push comes when FEMA deploys hundreds of experts and distributed supplies to flooded areas in Texas.

Noem called the flood “an unprecedented event,” and she joined Trump in Texas and added that she had never heard of a flood “which happened this way.”

Reach Joey Garrison with X @joeygarrison.

Trump administration puts pressure on Fed Chair Jerome Powell

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President Donald Trump has frequently expressed his dissatisfaction with the Fed’s “waiting” approach to lowering interest rates under Powell.

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The Trump administration appears to be pressured Jerome Powell to step down as Federal Reserve Chairman, with one federal agency issued a statement expressing support for his departure.

President Donald Trump, who appointed Powell as Fed Chairman in 2017, has frequently expressed his dissatisfaction with the Fed’s recent “waiting” approach to lowering interest rates, calling for a rapid drop in interest rates from 4.25% to 4.5%.

In June, Trump called Powell a “silly person” who “doesn’t do poor work,” adding that he was called “every name in the book” and was trying to cut interest rates. He added, “Nothing works.”

Powell also fired from management and budget director Russell Vautt, who suggested Powell misunderstood the council about a “prominent” headquarters remodel. Powell has previously defended the project, calling some of the more luxurious explanations “misleading and inaccurate” in his June testimony before the Senate Banking Committee in June.

The administration’s pressure tactics appeared to continue on July 11 by Fannie Mae, director of the Federal Housing and Finance Agency and chairman of the Freddie Mac Committee, William Plute.

Pulte referenced Powell “considering resignation” and “reporting.” When asked to confirm, the Fed refused to comment, but ordered USA Today multiple times.

Pulte’s statement precedes the Central Bank’s July 29-30 meeting. CME FedWatch, which tracks the likelihood of rate reductions based on futures prices, said its chance rate of around 93% after the meeting is stable at 4.25% to 4.5%.

In June, the Fed stabilized interest rates for its fourth meeting, maintaining forecasts for two cuts in 2025. Officials expect this year to reduce the amount from 3.75% to 4%.

Lower fees will help juice the economy and reduce federal debt payments, but Powell says the Fed wants to see how tariffs affect inflation before cutting fees.

Trump in June said he was already looking for a replacement for Powell, but if Powell doesn’t voluntarily resign, he may have to wait. The Supreme Court in May downplayed Trump’s ability to fire Powell, and the Fed is a “uniquely structured, semi-private organization” unlike other independent institutions with members subject to termination as determined by the president.

Contributor: Paul Davidson

Trump urges immigrant agents to arrest “thugs” in violent clashes

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The violent clash in the attack on a marijuana farm in Camarillo, California comes after Trump deployed the National Guard to stop the protests in Los Angeles

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  • Trump told immigration agents to “arrest these slimeballs” involved in violent clashes against the attack.
  • Federal officials said they arrested 200 undocumented immigrants in the attacks in Camarillo and Carpinteria, California on July 10.

WASHINGTON – President Donald Trump said in a social media post he watched a video showing “thugs” throwing rocks and bricks at immigrants and customs enforcement officers and ordered authorities to “use necessary measures to arrest these slimeballs” in future conflicts.

Fox News played videos of the violent clash repeatedly on July 11th. Trump said he saw the recording when he returned from Texas, where he visited the flood-damaged area.

A violent clash against immigration enforcement broke out on July 10th during an attack on a marijuana farm in Camarillo, California. Customs and Border Patrol Commissioner Rodney Scott said 10 minors were found on social media, saying the incident is currently under investigation into child labor violations.

The Department of Homeland Security said 200 undocumented immigrants were arrested in attacks on Camarillo and Carpinteria farms.

“During the surgery, a violent agitator fired a gun at our brave officer,” said Tricia McLaughlin, deputy secretary for homeland security. “We will prosecute anyone who is attacking or docing federal law enforcement to the fullest extent of the law.”

The union said the farm worker was killed in the crash.

“We can tragically confirm that a farm worker has died from injuries as a result of yesterday’s immigration enforcement action,” United Farm Worker Union said in a social media post.

Trump told Homeland Security Secretary Christie Noem and Border Emperor Tom Homan that he had told all federal law enforcement officials “to direct them at the receiver of thrown rocks, bricks or other forms of assault using the necessary measures to stop and arrest these slimeballs.”

Mega Million Wins on 7/11/25: $80 million jackpot

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Due to the drawings on Friday, July 11th, Mega Millions Jackpot rose to $80 million, as it did not match all the winning numbers in the painting on Tuesday, July 11th.

If someone matches all six numbers on Friday, they have a one-time cash payment option of $35.8 million.

There were four Mega Million winners this year, but the recent victory on June 27th won Virginia with a $348 million jackpot. Prior to that, on April 18, Ohio players took home a $112 million jackpot, while Illinois Lucky Lottery ticket holders took home a $344 million jackpot on March 25, and on January 17, the Mega Millions Jackpot hit for $113 million.

Here are the wins from Mega Millions drawings on Friday, July 11th, 2025:

Mega Millions win count on 25/11/7

The number of victory for Friday, July 11th will be posted here if drawn.

To win a lottery number is as follows: Jack Pocket, the official digital lottery delivery company of the USA Today Network.

Did everyone win the huge millions?

Mega Million winners announced by lottery officials will be posted here.

To view a list of past winners, Visit the Mega Millions website.

How to play Mega Million

To play Mega Million you will need to purchase a ticket. This can be done in a variety of places, including local convenience stores, gas stations, and even grocery stores. In some states, you can purchase millions of Mega tickets online.

Once you have your ticket, you will need to select six numbers. Five of these are white balls with numbers 1 to 70. Gold Megaballs range from 1 to 24.

You can ask for a “quick pick” or “easy pick” especially if you feel unlucky or don’t want to go through the hassle of picking. These options allow the computer to generate numbers at random.

Mega millions of tickets include built-in multipliers, increasing prizes other than jackpots by 2, 3, 4, 5, or 10 times. Previously, players had to pay extra dollars to add “Megaplier.”

Where can I buy the lottery ticket?

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 Jack Pocket, the official digital lottery delivery company of the USA Today Networkthese US and territories include Arizona, Arkansas, Colorado, Idaho, Maine, Maine, Maine, Maine, Montana, Nebraska, New Hampshire, New Jersey, New York, Oregon, Puerto Rico, Washington, DC, and West Virginia. The Jackpocket app lets you select lottery games and numbers, order, look at tickets, and collect all your winnings using your mobile phone or home computer.

Jack Pocket is the official digital lottery delivery company of the USA Today Network. Gannett may earn revenue from viewer referrals to Jackpocket Services. Must be over 18 in AZ, 21+, and 19+ in NE. It is not affiliated with the state lottery. Gambling issues? 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 other). visit jacketpocket.com/tos In perfect conditions.

Fernando Cervantes Jr. is a trending news reporter for USA Today. Contact him at fernando.cervantes @gannett.com and follow him at x @fern_cerv_.

Within the trends of watch parties

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“America is voting” And then decided: The “Love Island USA” watch party has reached “Super Bowl” status.

On July 8th in Washington, DC, fans gathered at the tropical-themed Royal Suns Social Club to enjoy food and drinks while watching the latest episodes. The sold-out clock event was hosted by a local event group.

“When I look inside the bar, it’s ironic that it was very “Isle of Love” theme. In a way, they have what looks like their villas,” co-founder Chance Albury told USA Today. “What we can provide that vibe will automatically draw it.”

Something else will replace the city’s robust nightlife scene, hosting events focused on game nights, skate parties and other communities. Barr exploded during episode 32 dumping when Taylor and Clark were sent home after they won the fewest votes.

When something else dropped the first flyer in the “Love Island” series, it was filled with good responses.

“People love it. I remember the first one we hosted. I was very shocked to see the outcome and how people engaged in the show,” Albury said. “I think it was incredible. It felt like a sports game.”

“Top Tier”

25-year-old Triniti Lemmons is a bar in Arlington, Texas Live! He said he felt the same way at the watch party. The show was painted onto multiple jumbo screens within the facility.

“I’m a huge fan so honestly, it gave me the same excitement as watching a group of people and a fierce football game,” she said. “I knew I was going to a watch party, so I have the opportunity to talk to friends about what’s going on in the episode in real time.”

Lemons decided to attend the event after confirming that the “Love Island” watch party has gained traction online. The real-life dating series centers around a group of contestants looking for love in a Fijian villa. The show airs six days a week on Peacock and continues to entertain and invest in fans throughout the summer.

“This is my Super Bowl,” tennis star Coco Gough cheered on in a recent Tiktok video after fan favorites Nic and Olandria recombined into the show.

The drama-filled season 7, premiering on June 3rd, was a huge hit on streaming platforms. From viral moments to detailed discourses of growing fandoms, it’s hard to escape “Love Island” content on your timeline.

“It was a top tier that I could see it on such a big screen, like I was in a cinema,” added Lemons.

People are looking for a community, organizers say

On June 26, Craft and Yap founder Tiffany Menzies’ “Love Island” watch party attracted an estimated 170 people at Phoenix, Arizona-based Driftwoods Sports Grill.

“We filled the patio, and we even had something like it was overflowing in another room, where we had TVs in case it was in demand, but people loved it,” Menzies said.

“It was really fun because everyone was chatting and watching, screaming and responding to the various scenes and challenges.”

The party featured a special bite that was perfect for this occasion, such as the calamari ring called “Tentacle of Temptation” and “Love Triangle and Loaded” waffle Flies.

Whether attending solo or with friends, Menzies said people want a real community.

“It’s just reality television, but I think the whole picture in it is that people just want to get involved in something and chat with each other,” she added. “It’s great to see people just relax and scream stupidly and stupidly.

“Love Island” Watch Party Flyer is flooded with social media

While there is no intensive place to search for “Love Island” watch parties, social media has used the interest of local fans to serve as a message board for many bars and restaurants hosted across the country.

And many organizers are becoming creative. For example, something else partnered with the medical spa to give participants a “bomb prize.” They offer the winners a custom glow facial, two free lip fillers and sprinkle tox.

“Whether you’re a bomb you’re about to turn your head or want to prepare for a slightly more steamy season, we’ve covered you,” the event group posted.

Watch parties aren’t as romantic as Hudah “dream” Beach date, it’s still “cute“Ideas for Sunday’s season finale.

Taylor Ardley is a news reporter for USA Today. You can contact her at Tardrey@gannett.com.

Who was David Gergen? Things you need to know about the advisors to the four US presidents

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David Gergen, a veteran political commentator and White House advisor to four former US presidents, passed away on July 10th in the Massachusetts retirement community. He was 83 years old.

Gergen’s son Christopher confirmed his death Friday in the Washington Post and the New York Times. He shared that his father died of dementia in the body of Levy, a brain disorder that affects thoughts, memories and movements, according to the Mayonnaise Clinic.

The well-known political insider and Harvard University professor regularly served as senior analysts at CNN and used insights from his White House experience under former Republican presidents Richard Nixon, Gerald Ford, Ronald Reagan and Democrat Bill Clinton.

The North Carolina native has been married since 1967 to British family therapist Anne Elizabeth Gergen. The pair shared two children and five grandchildren, according to Harvard professor Page in Gergen. Their son is a North Carolina social entrepreneur and Duke faculty member, and his daughter, Catherine, works as a family doctor at Boston Medical Center.

“We count David among the great leaders at Kennedy School, who have the courage and commitment that has inspired generations to go outside and change the world for the better,” said Jeremy Weinstein, dean of Kennedy School and professor of public policy.

Veteran with 27 honorary degrees, author, Ivy League alumni

Gergen was a graduate of both Yale and Harvard schools, but he received 27 honorary degrees throughout his career.

He is a veteran of the DC Barr, US Navy, a member of the Foreign Relations Council, and an attorney for the US Executive Committee of the Trilateral Committee.

He is also the author of two books, Eyewitness to Power: The Essence of Leadership Nixon to Clinton in 2001 and Hearts touched by Fire: How Great Leaders were created in 2022.

In “The Heart Touches Fire,” Gergen wrote that Americans “live in the enormous volatility of our national lives. As the crisis strikes us from all directions, they “seek for the infusion of powerful leaders to help us navigate safely.”

“The United States is experiencing one of the worst crises since the beginning of the Republic,” he wrote. “The next year is likely to be rough, but if we remember who we are, if we take our hearts out of the past, and if we prepare the younger generation for a life of service and leadership, we can be much more useful in the long run.”

When did Gergen join the Nixon administration?

Gergen’s political career began under the administration of President Richard Nixon, and before the Republicans resigned in 1974, he was potentially involved in the Watergate scandal.

According to an excerpt cited by CNN, Gergen wrote in his memoir that “before self-destructing, Nixon was one of the greatest presidents of the present day.”

In his 1996 memoir, Briefing Call, former White House Executive Director Merlin Fitzwater described Gergen as a “political legend, a survivor of the Nixon White House” and a “trusted member of the Reagan Inner Circle.”

Fitzwater, who served as the White House press secretary from 1982 to 1992, was called the “spin master” for President Ronald Reagan and George H.W. Bush, and “had a special trick to get reporters into discussions, confirming reporters’ attitudes towards the issue, and directing explanations to match reporters’ living things in the mid-congonchon.

His White House career did not end with the Watergate scandal. Gergen later advised GOP Presidents Gerald Ford and Ronald Reagan, and ultimately Democrat Bill Clinton.

When did Gergen become a journalist?

Gergen began his journalist career in 1984, first working at PBS for Macneil-Lehrer Newshour. Ten years later, he served as editor-in-chief of US News & World Report and became a public service commentator for 30 years.

However, many Americans are most aware that he is one of CNN’s long-standing topics and provides an analysis of all politics.

His work won two Emmy Awards in political analysis and two Peabody Awards for his contributions to the election press team.

Gergen was also involved in various nonprofit committees, including Yale University and parts of Duke University. He also served as a New Interest Board, New Politics Leadership Council, and now as an Academic Advisor for Leadership. In 2017 he co-founded and co-chaired with Honor, a group aimed at passing bipartisan law and selecting principled veterans.

What did Gergen say about the former president?

From his 2000 book, Eyewitness to Power: The Essence of Leadership Nixon to Clinton, he served as president David Gergen:

Richard Nixon: “Richard Nixon as the most attractive guy I’ve ever met in my 30 years of public life. … There was an aspect to Nixon that wasn’t reflected in Watergate or in the tapes. To this day, Nixon had it all and he complained that he kicked it out.

Gerald Ford: “While I was in office, Ford’s image was someone who meant as Bumble and often, but as Lyndon Johnson once said, he couldn’t chew gum, as he couldn’t walk straight at the same time, but that’s an unfair feature. The press (after all, he had been offered a contract to play professional football) we struggled to help him see the guys who worked every day.”

Ronald Reagan: “Reagan wasn’t comfortable on his skin. He was calm. And he had a clear sense of what he was trying to achieve. Those were one of his greatest strengths as a leader. No one had to tell him those things. He knew where he wanted to go and how he might get there. Instead of trying to treat him like a marionette, as we sometimes did, the best we could do for our staff was to clear the obstacles from his path. ”

Bill Clinton: “To his friends and enemies, Bill Clinton is a mass of contradictions. He is one of the cleverest men ever elected, and has done stupid things. He has less history knowledge than most of his predecessors. But he has repeatedly injured her.”

What is Lewiebody dementia?

According to Norma Loeb, founder of Lewy Body Loeb, Lewy Bode Mentionia is a type of progressive dementia and the second most common condition after Alzheimer’s disease.

There are two forms of Lewiebody dementia. It is a dementia accompanied by dementia, a Levy Body (DLB) and Parkinson’s disease.

The National Institute of Neurological Disorders and Strokes says people with LBD may live between 2 and 20 years from diagnosis to death.

Contributions: Joshua Bote and Jayme Deerwester from USA Today

Jake Letzraff withdraws from BYU amidst the potential stop

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Jake Letzraff is withdrawing from Brigham Young University.

The Cougars quarterback has announced his decision to withdraw from a university sponsored by the Church of Jesus Christ of Latter-day Saints, facing seven-game suspension for violating BYU’s honor code after engaging in pre-marital sex. He issued a statement on Friday, July 11th.

CBS Sports reported that Retzlaff’s decision to withdraw from BYU was a result of the program not allowing it to enter the NCAA forwarding portal. ESPN reported that Retzlaff intended to transfer to another school to play soccer in a way that does not include a portal.

“After many prayers, contemplation and conversations with people I trust, I made the difficult decision to officially withdraw and leave the BYU football program,” Retzlaff wrote in a statement posted on Instagram. “BYU meant more than just football to me. It was a place of growth. Mentally, mentally, physically. I am grateful to all my teammates, coaches, staff and fans.

“That being said, I am excited to turn the page and embrace the next chapter. My journey is far from over, and I am more motivated than ever to continue to pursue my goals.”

BYU later issued a statement regarding Retzlaff’s withdrawal to ESPN.

“We are grateful for the time Jake Letzraff spent at BYU. As he moves forward, the BYU Athletics understand and respect Jake’s decision to withdraw from BYU.

Letchlaff, the first Jewish starting quarterback in program history, faced a civil lawsuit after being accused of sexual assault and rape by a Salt Lake County woman in November 2023.

Retzlaff and his lawyer denied the allegations, saying he was having agreed to sex with a woman. BYU has an honor code that states that students “contain abstain from sexual relations other than marriage between men and women” and “must lead a chaste and integral life.”

On June 30, ESPN reported that the civil lawsuit against Retzlaff was dismissed after “both sides agreed to dismiss the lawsuit without prejudice.” He was not faced with criminal charges and did not attend 12 days of Big 12 Media Day in Frisco, Texas last week.

“First of all, I love Jake Letzlaff,” BYU coach coach Kalani Shitake said on July 8th in Big 12 Media Day.

Retzlaff threw for 2,947 yards and 20 touchdowns in his first season as BYU’s starting quarterback this past year.

The USA Today app will bring you to the heart of the news – Fast. Downloads for award-winning coverage, crosswords, audio storytelling, EnewSpaper and more.

If you or you have experienced sexual violence, Rainn’s National Sexual Assault Hotline provides free, secret, 24/7 support to survivors and their loved ones in English and Spanish: 800.656.hope (4673) and hotline.rainn.org and enespañolainn.org/es.

Ecuadorian gang leader Fito agrees to be handed over to the US

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Ecuador’s most notorious Drag Kingpin I’m heading for the US.

Jose Adolfo Masias, known as “Fito,” agreed to be handed over from Ecuador to the United States on Friday, where he is wanted by the US Department of Justice on charges of drug and weapons trafficking.

The head of criminal organization Los Ceneros accepted his extradition during a hearing at the National Court of Justice.

In a statement to CNN, U.S. Macías lawyer Alexei Schacht said his client had agreed to be handed over to the advice of an Ecuadorian lawyer.

“We’re working hard to protect his rights and to help him and his family,” Scharkt said. “Mr. Macias and his entire legal team are working hard to get the best possible outcome for him.”

Macias fled the prison in January 2024, plunging Ecuador into chaos. Soon after that, the gunman attacked a popular television station, living in the air with its crew hostages.

Ecuadorian President Daniel Novore, who took office shortly before Macias’ escape, declared a state of “internal armed conflict” within Ecuador, designating Los Ceneros and 21 other gangs as terrorist organizations.

Images from this distribution provided by the Ecuadorian army will be captured on June 25th at the Manta in Ecuador.

Macías is the only founding member of Los Choneros, considered alive. Little is known about his life before he entered the criminal underworld, but after more than a decade in prison, he gained a reputation as a gang money laundering expert.

Macías’ prison destruction in 2024 revealed that he enjoys many extravagances in prison. According to footage from CNN affiliate Ecuavisa, he was treated to a fireworks display for his birthday. A military source told CNN that Macia arranged for her cell size to double, and entertained several female guests during her jail time.

He was captured in secret for over a year last month. Authorities found him in a basement bunker by a mansion in Manavi. The villa was equipped with a home gym, marble walls, and a game room.

Surveillance flights through the property detected irregular fields behind the house.

“They began to excavate,” recalled John Lenberg, Ecuadorian Home Minister. “As soon as this happened, Fito paniced because if we continued, the roof of his bunker would collapse. At that moment, he opened a hatch where the troops were already there and climbed up from the hidden hole. That’s how we detained him.”

Noboa announced shortly after that he intended to be handed over to face justice in the United States.

This is a developing story and will be updated.

Where to get chicken wrap beyond Popeyez, Taco Bell, McDonald’s

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There’s a competition in McDonald’s beloved snack wraps.

Chicken rap, which returned to McDonald’s menu on July 10, nearly a decade after the items were phased out, sparked a rap war. Several fast food chains, like Burger King, have reminded fans who have had wraps for many years, and have recently added their own version to Menace.

McDonald’s raps are available in Ratocarte and Combo meals. It comes in two flavors: spicy and ranch. Combo meal comes in two snack wraps, medium fries and options. If you order only wraps, each item will cost $2.99.

Tizzy continues around Golden Arches’ comeback, but let’s take a look at other fast food chains selling chicken wraps.

Burger King BK Royal Crispy Wrap

According to a 2023 news release from the chain, Burger King took part in the rap game in 2023 with the introduction of BK Royal Crispy Rap.

The wrap comes with one of three flavors: crunchy white meat chicken, tomatoes, lettuce and a soft tortilla.

  • Flavor: Classic, hard and Honey Mustard.
  • Cost: $2.99

Popeyeus chicken wrap

On June 2, Popeyes announced that it would introduce chicken wrap to its menu for a limited time, and that it would “have the coveted flavor of Popeyes and is now ready to be wrapped and wrapped everywhere.”

The wrap features a bid for Popeye’s hand-rolled chicken with crispy lettuce, fine cheese and crispy pickles, all in a warm tortilla inspired by the flavor of Popeye es biscuits.

  • Flavor: Available at your choice with wraps Classic, hardor Honey Mustard Spread it.
  • Cost: $3.99

Popeyes will be handing out free chicken wraps on orders over $5 from July 10th to Sunday July 13th.

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USA Today reviews McDonald’s, Popeyez and Taco Bell Snack Wrap

USA Today senior reporter Mike Snider Taste tested the chicken snack wraps from McDonald’s, Popeyez and Taco Bell.

Sonic’s crispy soft wrap

Sonic is another chain that recently introduced chicken wraps to its menu. The company told USA Today on June 7 that it added two new, crispy tender wraps to its value menu. Both contain utterly white meat, crispy tender, lettuce, tomatoes and melted cheddar cheese wrapped in a soft flour tortilla.

  • Flavor: Cheap Baja Crispy Tender Wrap and Honey Chipotle Sackey Soft Wrap
  • Cost: $1.99

Sonic also told USA Today that there will be more rap flavors later this year.

Taco Bell’s Crispy Chicken Tacos and Burritos (aka Wrap)

Earlier this summer, Tacos Bell debuted a new lineup of crispy chicken menu items, including tacos and burritos, after a successful ordeal with chicken nuggets.

The new item lineup is available for a limited time only, including:

  • Crispy Chicken Tacos ($2.79): We chose a whole new spicy ranchero or avocado lunch sauce with one crunchy chicken strip woven with purple cabbage, lettuce, pico de gallo and shredded cheddar cheese.
  • Crispy Chicken Burrito ($5.49): A full-size burrito featuring two crunchy chicken strips surrounded by a bed of purple cabbage, lettuce, pico de gallo and cheddar cheese, and a selection of all-new spicy ranchero or avocado lunch sauces.

The chain said in a news release that “Crispy Chicken is the future” and that it plans to land permanently on the Taco Bell menu in 2026.

Wendy’s rap duo

According to the online menu, Wendy’s also serves chicken wraps in three different varieties.

Customers can choose from a Grilled chicken, Spicy chicken or Classic Chicken Rap Duo.

In addition to chicken, Wendy’s rap duo also comes with lettuce, fine cheese, ranch and flour tortillas. Each order comes with two wraps.

Gabe Hauari is a national trending news reporter for USA Today. You can follow him with X @geuna Alternatively, email him at gdhauari@gannett.com.

Nvidia CEO says US companies will “survive” Trump’s tariffs

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Jensen Huang’s computer chip giant Nvidia was the first company to reach $4 trillion worth on the stock market.

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  • Nvidia CEO Jensen Huang said President Trump is delighted with the company’s record $4 trillion valuation.
  • Fans have met Trump five times since the president took office in late January.
  • “I think it’s President Trump’s vision, his bold vision for making it in the US,” fans told USA Today.
  • Nvidia’s business is vulnerable to planned Trump tariffs on semiconductors imported from Taiwan.

WASHINGTON – US tech companies survive the tariffs of President Donald Trump. Just as they managed to overcome previous market disruptions, Jensen Fan, CEO of the world’s most valuable company, said in an interview that he emphasized the importance of increasing US production of computer chips.

“No one likes chaos, no one likes sudden change, but these settlements — President Trump will settle these deals and countries will reorganize and resettle.

Huang is heading Advanced Chip-Maker Nvidia, and this week will be the first company to reach a $4 trillion stock market value, worth more than knowledgeable rivals like Apple and Microsoft. He met with Trump at the White House on July 10, where the president was ecstatic about Nvidia’s milestone, he said.

Just as Trump negotiates with China and other top trading partners, fan businesses are sitting at the dead center at the crossroads of potentially expensive US tariffs, which is the artificial intelligence boom, and at the crossroads of computer chips that drive it.

The California-based company manufactures advanced chips and is then mass-produced by companies like Taiwan-based TSMC, which are heavily affected by the potential Trump fees for semiconductor imports.

However, Huang showed no signs of panic. According to Huang, tariffs, taxes, rules and regulations of all sorts were introduced long before Nvidia was established. And if Trump moves forward with sudden semiconductor tariffs, that’s no exception.

“Every year there were rules and taxes, tariffs, policies and regulations and we survived,” Huang said. “I have all the confidence that the world is trying to survive this. Companies will make the most of it, whatever it is.”

Nvidia became the first public company to achieve a market value of $4 trillion this week. During the artificial intelligence boom, this year alone it has achieved 22% value. Forbes estimates the fan’s own net worth is $143.6 billion, making him one of the richest men in the world.

Huang’s July 10th meeting with Trump was fifth in almost a few months, and sat down with Treasury Secretary Scott Bessent the following day.

In an interview with USA Today on July 11, Huang said he “absolutely” believes America needs to produce more semiconductors.

“Absolutely. President Trump’s vision, his bold vision to manufacture in the US, believes it’s great for our industry. It’s great for our society,” he said.

Born in Taiwan and educated in the US, Huang said manufacturing has economic and national security benefits, but also health and social benefits.

“We’ve lost a lot of manufacturing capabilities and skills. This is truly amazing for those who work together with skilled crafts and hands to build things together. We want to celebrate it. We want to bring it back to the US. It’s very important for national security, industrial security and supply chain resilience,” he said.

Trump referenced Nvidia’s record stock price on social media in a July 10 post ahead of his meeting with Han.

Huang told USA Today that Trump told the meeting that he was proud of his reputation.

“He congratulated me and congratulated everyone around me for it being a great achievement and spent a lot of time,” Huang said.

They also discussed how to help American tech companies stay competitive in their transition to AI and how to bring skilled manufacturing back to America. He said Nvidia makes supercomputers in Texas and packages them in Arizona.

Huang will be in China next week. He told Trump about the trip, but they said they didn’t discuss trade negotiations between the two countries and didn’t know when the final agreement could come to fruition.

How the Texas floods unfolded and why Camp Mystic was in a dangerous place

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More than 120 people have been killed and at least 160 are still missing after a horrific flood struck central Texas over the weekend of July 4th. Heavy rain, rocky terrain and nearby Gulf climate combined to quickly transform the Guadalupe River into a destructive rapid that runs through Kerr County and Texas Hill Country.

The strip of land that Guadalupe passes through, including Camp Mystic, where at least 27 children and counselors were killed, has earned the nickname “Flash Flood Alley,” and hundreds have died there over the years.

As the search for victims progresses, the questions people are asking are:

Bob Fogerty, a meteorologist with the National Weather Service in the Austin/San Antonio office, said it started with moisture from Barry, a tropical storm that drifted through Texas in the first few days of July. So it collided with a higher-level low-pressure system and parked it in place.

Victor Murphy, a recently retired National Weather Service meteorologist in Texas, said the balloons launched by the weather service showed near record water. With the enormous amount of moisture that provided fuel, the wind served as a storm-detonating match.

Alan Gerald, a recently retired storm expert from the National Oceanic and Atmospheric Administration, told USA Today that several factors have gathered in one of the worst possible flood locations to create a “terrifying” scenario where up to 16 inches of rain falls in a large area from July 3 to July 5.

Data from Floodbase, a flood tracking company, shows how the floods have passed through the basin for days and then brought death and destruction.

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On early July 4th, the Guadalupe River in Carville flowed at three cubic feet per second. At that rate, you fill the Olympic-sized pool in 8 hours. However, immediately after 7:30am, it was gushing at 134,000 cubic feet per second, so the rate filled the same pool in under a second.

The river height has skyrocketed from under 12 inches to over 34 feet. This is the biggest record there since record keeping began in 1997.

That discharge is the second highest ever recorded by the Stream Monitor, with data dating back to mid-1986. However, no data has been released from peak times between 6:15am and 7:30am – the event was so extreme that hydrologists at the US Geological Survey are still reviewing it. Kerrville is on the list of sites where crews perform what is called indirect measurements based on the high water mark, according to the USGS.

According to Gerald and Murphy, terrain and timing were the biggest factors behind the storm. “We are pleased to announce that we are committed to providing a range of services to our customers,” said Dan Depodwin, Vice President of Forecast Business at Accuweather.

“The reason is the jetstream, a river of air that travels so fast that planes can fly, moving north in the summer,” Depodwin said. And because it is close to the bay, the area gains “very high rainfall rates”.

Geology is another important factor that has earned its nickname. Hatim Sharif, a hydrologist and civil engineer at the University of Texas in San Antonio, says Balconz Escarpment runs roughly parallel to Interstate 35 by a line of cliffs and steep hills created by geological faults.

Hill Country is “a semi-arid region with soil that doesn’t absorb much water, so the slabs can disappear quickly and shallow streams can rise rapidly,” Sharif says. Public Radio in Texas reports that limestone in the area prevents rainwater from immersing in the ground. Instead, the water plunges into the valley.

All of these factors were present in Camp Mystic. “Topography is complex or diverse,” Depodwin says. “So, in this case, in the river and river basin, you get water channeling right away in a small area. It obviously flows somewhere, in this case, downhill and towards the camp.”

Camp Mystic is a 700-acre private Christian summer camp for girls about six miles south of the Hunting Town in Kerr County. It is Texas Hill Country, a 11 million acre area in central Texas. Located between the banks of the Guadalupe River and its Cypress Creek tributaries, the camp had just begun its one-month term for hundreds of girls.

The original camp sat along the Guadalupe River, and in 2020 a nearby second camp opened near Lake Cypress. The camp is divided by Cypress Creek. Among the 160 people who are missing in the floods are five campervans and a camp mystic counselor.

Many of the camp structures reside within flood hazard areas defined by the Federal Emergency Management Agency, and new buildings have been constructed within these boundaries for many years.

For 30 years in the course, these areas could be cumulative flooding of 26%. Some are located in areas known as regulated flood channels, and must block anything that is blocked for water so that it can move freely during flooding.

The camp lost power early on July 4th as heavy rain knocked out electricity. At least 27 campers, an eight-year-old young camper, were swept away by the raging seas. According to the Washington Post, many of the shed girls known as the Bubble Inn have been lost. The reported posts are reported to have entered from two directions from the South Fork of the Guadalupe River and a nearby stream.

The camp has a renowned history in the state and hosts girls of some of Texas’ most famous politicians. Around 700 children were in camp when the flood hit, Texas Lt. Colonel Dan Patrick said.

Scott Laskan, a platoon officer with the US Coast Guard, is the third class of aviation survival engineers stationed in Corpus Christi, saving 165 people from rising floods in Kerr County.

The crew of the MH-65 Dolphin helicopter and the crew of the HC-144 Ocean Sentry aircraft were launched along with the crew of the Aviation Administration’s Houston MH-65 Dolphin helicopter, along with the crew of the Aviation Administration’s Houston MH-65 Dolphin helicopter, the Coast Guard said.

The Coast Guard has implemented 12 flights to the area and rescued 15 campers from Camp Mystic, security guards said. The Texas Army and the Air National Guard rescued at least 525 people from flooded areas, the Texas National Guard reported.

More than 360 people were evacuated by UH-60 Black Hawk helicopters, according to security guards. Another 159 people were rescued to the land.

A similar tragedy known as the Guadalupe River flooding struck Camp Mystic in July 1987. A teenager died and 33 people were injured when buses and vans carrying evacuees were left behind in the flood.

According to the National Weather Service, “rapid water rise in water along streams or lowland urban areas” is the major storm-related killer in the United States. why? “Most people don’t recognize the power of water,” the Meteorological Bureau says.

A rapid moving 6 inches of water can step in. According to Weather.com, water flowing at just 6 mph gives the same force per unit area as air blows at wind speeds in an EF-5 tornado. Water moving at 25 mph has the equivalent pressure to wind blowing at 790 mph, which is faster than the speed of sound.

According to a data analysis from USA Today, a fifth of all direct deaths in the United States from 1996 to 2024 were in Texas for the entire year from 1996 to 2024. These are the states with the highest number of deaths out of 1,923 deaths.

Texas reported 68 direct deaths from flash floods in 2017. This has made 2025 the most fatal flash flood deaths in recent decades.

Of the 120 deaths of the July 4th storm, 96 were in Kerr County. It includes at least 36 children, USA Today reported. Counties of reported deaths:

  • Carr County: 96
  • Kendall County: 8
  • Travis County: 7
  • Burnet County: 5
  • Williamson County: 3
  • Tom Green County: 1

Ten states from Massachusetts to California have dispatched specially trained teams, including Swift-Water Rescue Crews and trained FEMA staff, to help with recovery.

County officials said hopes to find survivors on July 10th had diminished. Authorities said they have not been “live rescues” since the day of the flood. Gov. Governor Greg Abbott declared disasters in 15 Texas Counties.

Since the floods, many have wondered what has been possible to alleviate the loss of life. The timing of alerts and the lack of sirens is under scrutiny. The report shows that the state’s Emergency Management Department rejected Kerr County’s request 10 years ago and rejected a $1 million grant to improve its flood warning system.

But sirens and alerts are just part of a layered approach to flood warning and mitigation, Depodwin told USA Today.

“A question that needs to be answered is how can people receive warnings? What kind of actions have been taken by local emergency managers, local officials, event organizers, and did not speak?

Contributors: Janet Loafke, Shail Butt, Doyle Rice, Dina Boyless Palber, Rick Jarvis, Eduardo Quebas, Kathryn Palmer.

Source: USA Today Network Reporting and Research;Reuters;National Weather Services; Accuweather; floodbase.com;Nearmap;FEMA;First Street.

read more:

These Texas “Flash Flood Alley” towns suffer most from horrific floods

Which Texas cities have flooded? This is where the rainiest weekend

Fatal Texas flash flood warnings had little time to act

The terrain and timing conspired to cause “terrifying” Texas rainfall

Just word-of-mouth warning, a man ran 25 miles to save guests at Texas RV Park

This is a developing story that could be updated.