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Roth IRA Conversion Plan for Tax Year 2026

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If you take this action now, you could potentially save a lot of money in retirement.

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You need Roth savings in retirement so you don’t have to pay taxes on withdrawals. But so far, most of your savings are in traditional IRAs or 401(k)s. It’s not a big problem. This means you need to do a Roth IRA conversion to change some of your tax-deferred savings to Roth savings.

This means you will pay taxes on the converted funds in the year you move them into your Roth IRA. It needs to be handled carefully so you don’t walk away with a surprise bill. Here are three signs that 2026 could be the best time to make a Roth IRA conversion.

1. You are in a low tax bracket

Converting to a Roth IRA is best done if your taxes are low. This way, you will pay less tax when converting your money. Your funds will then begin to grow tax-free, but you will not be able to withdraw your converted funds without penalty until January 1 of the fifth year after the conversion. For example, if you make a Roth IRA conversion in 2026, the clock starts on January 1, 2026, and you can withdraw the money penalty-free on January 1, 2031.

If your income this year is lower than in past years, perhaps due to job loss or retirement, 2026 is the best year to make the Roth IRA conversion. You don’t have to cash out all your tax-deferred savings at once. Consider converting enough to reach your current maximum tax liability. Then, convert it a little each year as needed.

2. Eligible for elderly tax deduction

The new senior tax credit is in effect for a limited time until 2028 and reduces taxable income by up to $6,000 for single adults and $12,000 for married couples. This could result in a significant reduction in taxes over the next few years.

It is unclear whether the government will extend the tax credit beyond 2028. So, if you’re eligible, take advantage of bill reductions over the next few years and move some of your savings into a Roth account. If your tax refund covers the conversion costs, you may not even be charged.

3. Your portfolio is underperforming

If your investments decline, you pay less taxes to make a Roth IRA conversion. Then, once your assets are recovered, all of that increase is tax-free. That way, you may be able to keep more of your hard-earned savings into retirement.

If you’re not sure whether converting to a Roth IRA is the right move for you this year, consider waiting until closer to December. This will give you time to figure out which tax bracket you fall into. If you want a personalized estimate of how much your Roth IRA will cost in 2026, talk to your accountant.

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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Latest updates on the search for Iranian spy suspect Monica Witt, a former officer

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The FBI is offering a $200,000 reward for information leading to the arrest and prosecution of a former U.S. military government official accused of spying for Iran.

Monica Witt, a former defense contractor and U.S. Air Force information technology sergeant, was indicted by a federal grand jury in February 2019 on charges of espionage, including transmitting national defense information to the governments of countries in the Middle East.

Witt, 47, served in the U.S. military from 1997 to 2008 and then worked as a contractor for the U.S. government until 2010. Her military service and contract employment gave her access to highly classified information about foreign intelligence and counterintelligence operations, including the identity of undercover U.S. intelligence agents.

She defected to Iran in 2013, according to the FBI.

“Monica Witt betrayed her oath to the Constitution by defecting to Iran more than a decade ago, allegedly providing defense intelligence to the Iranian regime, and likely continuing to support their heinous activities,” Daniel Wierzbicki, Special Agent in Charge of the FBI’s Washington Field Office’s Counterintelligence and Cyber ​​Division, said in a news release. “The FBI is aware and believes that there is someone who knows something about her whereabouts at this critical time in Iran’s history.”

“Puts U.S. military personnel and their families overseas at risk.”

Witt then provided information to the Iranian government, endangering sensitive U.S. national defense information and programs, according to an indictment filed in the District of Columbia.

“Mr. Witt is suspected of knowingly providing information that endangered U.S. service members and their families overseas,” the FBI said in a statement. “She also allegedly conducted research on behalf of the Iranian regime that enabled her to target former colleagues in the U.S. government.”

The FBI said Witt’s actions benefited the Islamic Revolutionary Guard Corps, which is responsible for intelligence gathering, irregular warfare and support for terrorist organizations that target Americans.

Description of Monica Witt

The FBI said Witt was a white female with brown hair and brown eyes, 5 feet 10 inches tall and 120 pounds.

Her other names include Fatemah Zahra and Narges Witt.

Anyone with information on Witt’s whereabouts is asked to call 1-800-CALL-FBI.

Tipsters can also contact their local FBI office or the nearest U.S. embassy or consulate, or visit tips.fbi.gov.

Natalie Neisa Alland covers trending news for USA TODAY. Contact her at nalund@usatoday.com and follow her on Twitter. @nataliealund.

This year, we aim to renovate more than 130 stores and open 30 new stores.

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Your local Target store may soon look a little different.

That’s because, in addition to opening 30 new stores in priority markets, the company recently announced it will spend about $5 billion on more than 130 renovations, which the company calls “more transformational for our stores than at any point in the past decade.”

Markets where the company is focusing on opening new stores include Atlanta, Austin, Dallas, Houston, Charlotte, Chicago, Phoenix, Los Angeles, Miami, Minneapolis, New York City, Philadelphia and Washington, DC.

The company says the redesign includes an updated layout for easier navigation and a “more intuitive” shopping experience. New features in the newly renovated store include:

  • Expanding the lineup of dry foods, and expanding the fresh and frozen food sections in some stores
  • Facilities with modern decor and special LED lighting
  • In addition to updates to our traditional and self-checkout lanes, we have updated spaces and expanded services to support order pickup, drive up, exchanges and returns.
  • Modern guest amenities such as restrooms and designated lactation areas
  • In some stores, Target is installing natural refrigeration systems, more efficient lighting, and HVAC systems to help reduce emissions.

“These investments are designed to make Target an easier, more exciting and friendlier place to shop,” said Laurie Mahowald, senior vice president of Target Properties, in a news release. “From more intuitive layouts to expanded selections, we are evolving our stores to reflect the way our customers shop today, while strengthening the role they play in enrichment and our long-term growth.”

Target told USA TODAY what’s new for guests will vary by location and the timing of each renovation will vary.

Which Target stores will be renovated?

Target provided USA TODAY with a list of stores in 10 states that will be renovated. While this is not a complete list of 130 stores, Target provided information on more than 50 stores that will receive upgrades.

Note: Some stores that are undergoing renovations have their full addresses listed below, while others only have their cities listed..

texas

  • Greater Houston: Westchase, Willowbrook, Galveston
  • San Antonio/South Texas: SW Military Drive, Southeast San Antonio and San Marcos
  • DFW/North Texas: Vista Ridge, Garland East, Eastchase
  • Central and West Texas: Temple, northwest McAllen, central El Paso

California

  • Southern California: San Clemente, Poway, Seal Beach, Norwalk East, Redondo Beach, Carson, Brea, Culver City Westfield Mall
  • Inland Empire: orange show san bernardino
  • Northern California: Fremont South

florida

  • Lee County: 10000 Gulf Center Dr., Fort Myers, FL, 33913
  • Fort Myers North: 9350 Dynasty Dr., Fort Myers, FL, 33905
  • University Plaza: 13658 University Plaza St., Tampa, FL, 33613
  • VIERA: 8455 N Wickham Rd., Melbourne, FL, 32940
  • Sanford: 1201 WP Ball Blvd., Sanford, FL, 32771
  • Boynton Beach West: 10201 Hagen Ranch Rd., Boynton Beach, FL, 33437
  • Venice: 4271 Tamiami Trl S., Venice, FL, 34293
  • Lady Lake: 716 N US Highway 441, The Villages, FL, 32159

ohio

  • north olmsted
  • Wadsworth
  • cleveland west
  • mansfield
  • parma
  • medina
  • Mayfield Heights
  • coleraine
  • Cuyahoga Falls

Michigan

  • Macomb Township: 20877 Hall Rd., Macomb, MI, 48044
  • West Lansing: 5609 W Saginaw Hwy., Lansing, MI, 48917
  • Kalamazoo West: 5350 W Main St., Kalamazoo, MI, 49009
  • Rochester: 2887 S Rochester Rd., Rochester Hills, MI, 48307
  • Wyoming: 5455 Clyde Park Ave SW, Wyoming, MI, 49509
  • Shelby Township: 8200 26 Mile Rd., Shelby Township, MI, 48316
  • Battle Creek: 5700 Beckley Rd., Battle Creek, MI, 49015
  • Port Huron: 4300 24th Ave., Fort Gratiot, Michigan, 48509

virginia

  • red mill
  • fredericksburg
  • pembroke
  • chester
  • Merrifield

arizona

  • south mountain
  • west ridge
  • Tempe Rio Salado
  • scottsdale road
  • Peoria SW

illinois

  • chicago state avenue
  • stream wood
  • Homewood
  • chicago wilson yards
  • chicago west loop

north carolina

  • Charlotte: East and Southwest locations
  • Pineville
  • Winston Salem University Parkway
  • Raleigh Capital Boulevard

oklahoma

  • Owasso
  • moore
  • tulsa
  • northwest oklahoma city
  • Southeast of Tarth

Gabe Hauari is USA TODAY’s national trends news reporter. You can follow him at X @gabehauari Or email Gdhauari@gannett.com.

Georgia early voting ends with record turnout

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Early voting has ended in Georgia as the state prepares for next week’s midterm primary elections.

The last day for early voting is Friday, May 15th. Voting times may vary by location, and Georgia voters can check their registration status, voting location, and more through the Secretary of State’s Office’s My Voter Page.

Voting day is Tuesday, May 19th, and polling places will be open everywhere from 7 a.m. to 7 p.m.

There are several high-profile races in Georgia, including the Democratic and Republican primaries for governor, the Republican primary for U.S. Senate, and the bipartisan primary for secretary of state. Many other local horse races in the state are also on the ballot.

This may also be the last election using the current district maps and voting system. Outgoing Gov. Brian Kemp brought state lawmakers back to Atlanta for a special session this summer to discuss voting machine changes and possible redistricting for the 2028 election cycle following the Louisiana v. Calais Supreme Court ruling in late April.

Early voting sets record on first day

Secretary of State Brad Raffensperger said more than 35,000 Georgians cast early votes on the first day, April 27, setting a record for the state.

“This is proof that Georgians trust our elections,” he said in a post to X.

Raffensperger, a Republican gubernatorial candidate, also served as Georgia’s secretary of state during the 2020 general election, when President Trump claimed there was widespread voter fraud, particularly in Fulton County. In the call, the president called on Georgia officials to “find” the votes to defeat Joe Biden.

In the two weeks since early voting began, more than 800,000 Georgians have voted as of Thursday night. This represents 11% of Georgia’s current 7,356,974 eligible voters.

The highest early voting rate was in Bleckley County in central Georgia, where more than 20% of the county voted early. Turnout was also high in McIntosh, Butts and Wilkes counties.

Democrats lead in early voting turnout

Of the 816,227 voters who have already cast their ballots in Georgia, more Democrats have voted than Republicans.

Unofficial turnout statistics show that 451,901 Democrats, 352,098 Republicans and 12,228 independent voters took advantage of early voting in Georgia, according to the Secretary of State’s Election Data Hub.

The majority of early voters were white, with 430,677 votes cast. Black voters followed with 274,756 votes. and other racial minorities making up the remaining 110,794 people.

Women accounted for 57% of early votes, and the majority of voters are between the ages of 55 and 79, according to Elections Hub data.

Data is considered “unofficial” at this stage and may be updated later.

Many voters are unsure whether to vote at the ballot box.

Polls released during the first week of early voting showed many voters undecided about who they would choose for the state’s top seat.

Eight Republican candidates are on the ballot, including Brad Raffensperger, Bert Jones, Chris Carr, Clark Dean, Greg Kirkpatrick, Ken Yasger, Rick Jackson, and Tom Williams.

Seven Democratic candidates are also in the race, including Amanda Duffy, Derrick Jackson, Jeff Duncan, Jason Estevez, Keisha Lance Bottoms, Mike Thurmond and Ol Brown.

Rick Jackson and Bert Jones have been vying for the top Republican nomination for months, each spending time at the top of the polls and polarizing the Republican base. Brad Raffensperger consistently finishes in third place. While Jones is a Trump-endorsed candidate, Jackson is closely aligned with the MAGA movement and stronghold in Georgia. The two sides have spent much of the campaign attacking each other, leading Raffensperger to release an ad depicting his opponents throwing mud in each other’s faces while he was “focused on getting the job done.”

On the Democratic side, former Atlanta Mayor Keisha Bottoms has a wide lead, with approval ratings ranging from 39% to 52%, depending on the poll. In recent months, polls have shown Michael Thurmond and Jeff Duncan trailing behind her, with Jason Esteves gaining ground in fourth place.

But the number of undecided voters is as high as 35% in some polls, matching Mr. Bottoms’ approval rating, and it is unclear which way he will go once he hits the ballot box.

Georgia gubernatorial primary likely to head to runoff

Both the Democratic and Republican primaries could easily go to runoffs, meaning no single candidate achieved a 50% majority in the first round.

If that happens, the top two candidates from each party would be voted on again on June 16, the day before the General Assembly begins a special session under the Gold Dome in Atlanta. This means that lawmakers will (likely) know the primary results when considering statewide redistricting.

Eileen Wright is an Atlanta Connect reporter for USA Today’s Deep South Connect team, covering midterm races in Georgia. X Find her at @IreneEWright or email her at ismith@usatodayco.com.

Foods that lower cholesterol, according to experts

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A healthier diet can be of great help to people whose cholesterol levels are gradually rising.

At first glance, changing what you eat may seem scary and expensive, but there are many common foods that can lower your cholesterol and make you feel brighter and more energetic.

What causes high cholesterol?

“Bad” cholesterol, or LDL, makes up the majority of the body’s cholesterol. Excess LDL builds up in blood vessel walls, increasing the risk of health problems such as heart disease and stroke.

According to Harvard Medical School, you can lower your numbers by switching to foods containing polyunsaturated fats, which directly lower LDL, and foods containing plant sterols and stanols, which inhibit cholesterol absorption.

Christina Manian, a nutritionist and sustainable food systems expert, said foods high in soluble fiber (which binds to cholesterol in the digestive system and drags it out of the body before it enters the circulatory system) and foods with anti-inflammatory compounds can also help.

Eat these foods to lower your “bad” cholesterol

  • avocado: Rich in monounsaturated fats, fiber, and plant sterols, avocados are an effective tool for reducing cholesterol.
  • Legumes: Think beans, lentils, chickpeas, and peas. Legumes, which are rich in soluble fiber, can greatly help lower cholesterol. It also takes longer for your body to digest, making you feel more satisfied after eating, which is great for weight loss.
  • almond: With a combination of healthy unsaturated fats, fiber, and antioxidant-rich vitamin E, Almonds help lower LDL. Replacing them as a daily snack is also effective. A study found that almond snacks lowered cholesterol more than crackers with the same number of calories.
  • Oats: Oat-based products contain beta-glucan, a soluble fiber that removes bile acids, including cholesterol, in the intestines and can lower LDL in people with dyslipidemia. The recommended amount is 5 to 10 grams of fiber per day (approximately 1.5 to 2 cups of cooked oatmeal).
  • dark chocolate: Dark chocolate, small squares of extra dark chocolate with a high cocoa concentration, can lower LDL and support heart health when consumed in moderation.

Other foods that lower cholesterol include tofu and edamame, leafy greens like broccoli and kale, apples and citrus fruits, says nutritionist LeeAnne Weintraub.

Silver fell 10.73% on May 15, 2026

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How much is silver worth per ounce today?

As of 8:05 AM ET on May 15, 2026, the spot price of silver is $78.24 per oz., according to the latest market data. This is a decline of 10.73% and $9.41 from the previous closing price of $87.64.

One year ago, silver was trading at $32.17 per ounce. This means that the price has increased by 143.20% in the last 12 months.

Key levels to look out for this week:

52 week low: $32.28

52 week high: $117.39

Silver is trading 33.35% below its 52-week high. It is 142.37% higher than its 52-week low.

What is the historical price of silver?

today 1 week ago 1 month ago 1 year ago
$78.24 $79.28 $79.35 $32.17

A week ago, silver was trading at $79.28 per ounce. Since then, the price has fallen by 1.31%.

A month ago, silver was trading at $79.35 per ounce. Since then, the price has fallen by 1.41%.

USA TODAY is an independent publisher and not an investment advisor. The information provided is for educational purposes only and should not be construed as financial, investment, or trading advice. We recommend that you seek independent advice from a qualified professional regarding any specific financial decisions you may make. Trading commodities, futures, and options involves significant risk of loss. Individual investment results may vary. Past performance is not indicative of future results. Prices can change rapidly and unpredictably due to factors such as supply/demand, weather, and geopolitical events. Our company assumes no responsibility for any loss or damage arising from the use of the information.

What is driving the price of silver today?

The price of silver is driven by inflation expectations, central bank policy, global economic conditions, and investor demand. The strength of currencies, especially the US dollar, can influence daily prices, as well as physical and industrial demand. For more on the market, read the latest investment news on USA TODAY Money.

What does XAG/USD mean?

XAG/USD is the ticker symbol used to track the spot price of silver in US dollars.

XAG stands for 1 troy ounce of silver and USD stands for US dollar. The estimated price tells you how many dollars it costs to purchase one ounce.

Prices are usually quoted per troy ounce, which is slightly heavier than a standard ounce.

Spot prices reflect real-time market transactions and serve as a benchmark for futures contracts, ETFs, and retail bullion prices.

how to invest in silver

Investing in silver can be done by buying physical coins and bars, buying ETFs that track its price, or investing in mining stocks. Be sure to weigh costs, storage needs, and risk tolerance before making a decision. The retail price of a coin or bar typically includes a premium over the spot price.

Disclaimer: This USA TODAY Money article was automatically generated using live market data from Alpha Vantage. If you think we made a mistake or have feedback, please use this form.

ATF Trump-era changes reduce revocations of firearm sales licenses

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Friday, May 15, 2026, episode of the podcast The Excerpt: ATF will significantly reduce gun dealer license revocations in 2025, signaling a change under President Donald Trump. As revealed in a recent hearing, the agency also stopped publishing revoked dealers, citing gun owner and industry privacy. USA TODAY investigative reporter Nick Penzenstadler joins The Excerpt to uncover what’s behind the change and what it means.

Press play in the player below to listen to the podcast and follow the transcript below. This transcript was automatically generated and edited in its current format for clarity. There may be some differences between audio and text.

Podcast: For true crime stories, in-depth interviews, and more USA TODAY podcasts, click here

Dana Taylor:

The Bureau of Alcohol, Tobacco, Firearms and Explosives, better known as ATF, dramatically reduced the number of gun dealers with revoked licenses last year and signaled new efforts under President Donald Trump. One of the practices the ATF has eliminated is publicizing canceled dealers, and just yesterday it held a public hearing focused on how to protect the privacy of both gun owners and the gun industry. Is this a move towards fairer enforcement or a step back from oversight? Hello. Welcome to this excerpt from USA TODAY. I’m Dana Taylor. Today is Friday, May 15, 2026. USA TODAY investigative reporter Nick Penzenstadler joins me to discuss why the ATF stripped licenses from fewer gun stores in 2025. It’s great to talk to you, Nick.

Nick Penzenstadler:

Thank you, Danna. Thank you for having me.

Dana Taylor:

Nick, some people may immediately think of politics when they hear ATF, but the numbers speak for themselves here. Only 56 gun sales licenses will be revoked in 2025, down from 183 in 2024. What has actually changed within the authorities?

Nick Penzenstadler:

I mean, this has been a political football for years, and we’ve followed suit, and we’ve had some administrations, especially the Biden administration, focus on cracking down on trafficking and gun stores. Then Trump was elected, and immediately after taking the oath of office, he signed an executive order saying some of these policies needed to be revisited. As a result, leniency for gun shops and gun licensees is back in the instruction manual. In other words, they are taking fewer licenses and giving people more opportunities, and the number of revoked licenses reflects that.

Dana Taylor:

How unusual is this decline, not just in recent years, but when you look back further back?

Nick Penzenstadler:

Yes, the Trump-era numbers go back to 2016 and 2017. Looking back, there were only a few dozen stores compared to well over 100 during the Biden administration. And remember, back then, just a few years ago, the ATF was doing this enhanced enforcement and taking this very seriously and revoking licenses more quickly.

Dana Taylor:

Last year’s decline coincided with the end of the Biden administration’s zero-tolerance policy. What did Zero Tolerance do? What types of violations were reported?

Nick Penzenstadler:

Yes, this is explained in different ways. This is an enhanced enforcement policy to crack down on serious violations and so-called willful offenders at gun dealers who ignore the law, know they’re doing something wrong, and keep doing it anyway. Opponents describe this as a paperwork, administrative, and unimportant issue, but in reality, they’re talking about things like selling guns without properly conducting background checks, or not keeping records that are critical for the ATF to track those firearms in the future and for law enforcement to solve crimes. So depending on how you look at this, they could be a minor clerical error or a very important crime-fighting tool.

Dana Taylor:

New ATF Director Robert Secada announced 34 proposed rules. Nick, what are the agency’s priorities right now, and what has the response been like from both advocacy groups and the gun sales industry?

Nick Penzenstadler:

Yeah. Gun violence prevention officials were appalled by many of these rules, particularly the reversal of their commitment to this project. What that means is, where are the boundaries? Do you go to gun shows and do it as a hobby, or do you routinely sell a few guns a month and process credit cards and this is your main source of income? The Biden administration has made it a rule that you’re no longer just a hobbyist, you’re in the business of selling guns. One of the key rollbacks announced recently is ending that policy and reverting to a different policy to give enthusiasts a little more leeway.

Dana Taylor:

Why did the Trump administration want this change?

Nick Penzenstadler:

Well, the ambiguity has always existed, and many administrations have promised to put a number on it or draw some sort of line. But the real concern here is that there are unfettered and untracked gun dealers. And of course, when you become a federally licensed dealer, you’re subject to even more scrutiny, doing all the paperwork and, of course, fulfilling your background check needs. So private sellers don’t have to. And the idea behind this change is that there are groups doing sales and they need a license, but the director stressed that they have measured the impact of new registrations and believe it is minimal. Therefore, they did not consider this to be an effective rule change.

Dana Taylor:

Nick, as I mentioned earlier, one of the practices that the ATF has abolished is the public listing of revoked dealers, and you wrote about this as a campaign to brand gun industry leaders with infamy and shame. Coach Secada spoke about this at yesterday’s hearing. Let’s listen.

Robert Secada:

We should hold people accountable and be honest about what the data shows. These DL2 lists were not designed by me or anyone else to be used as a defamation campaign, but that is exactly what they were used for, and that was not their purpose.

Dana Taylor:

What is the main argument here, and is there any basis for it?

Nick Penzenstadler:

A few things happen here. Under the previous administration, a new practice was introduced to publicly disclose firearms dealers whose licenses had been revoked, their regulatory history leading up to the revocation, and the paperwork behind it. Typically, it’s years of inspection by ATF inspectors, and the audit finds significant violations and that’s why someone is removed from this program. You lost your privileges and can no longer sell guns. There’s also an obscure program of this kind called DL2. This is a Demand Letter 2 program that annually targets the dealers who have sold the most guns of 25 or more recovered at crime scenes or within a short period of time between crimes. So they sold it and somehow the bad guys got their hands on it and it showed up at the crime scene, so there was evidence storage.

So, of course, this is going to be a lot of the big dealers, the people who sell the most guns, but it also reflects where crime guns come from. So gun violence prevention organizations and the media took these lists and used them to shine a light. If you want to know where crime guns are sold and where straw buyers are targeting gun stores, check out this list. And of course, this caused tension because the gun industry didn’t like this attention. They say it unfairly characterizes them. The Director-General yesterday said it was not intended to be used for this purpose and the data was being manipulated. That’s why we needed to pause. Another interesting thing about this whole discussion is that Georgia Republican Andrew Clyde himself is a gun store owner, and his store is on that list. The store sells more than 25 guns found at crime scenes, which he said he was sensitive about and that the store was unfairly targeted by being on the list.

Dana Taylor:

I would now like to take a look at some of the 56 dealers whose licenses were revoked in 2025. Some have closed permanently, while others have reopened. Let’s start with the ones that are closed. What happened at Grips by Rally, an Arizona shop whose license was revoked?

Nick Penzenstadler:

Yeah. So when I got this list just recently, this name jumped off the page. This Arizona store made headlines in 2025 after its owner was indicted in a gun trafficking case. And with this new administration and a renewed focus on Mexican cartels, just in March, a superseding indictment was handed down accusing the scheme and the owner of this store of supporting terrorism, since these cartels are designated as foreign terrorists. As a result, these charges have taken on more serious meaning, and the store has now been targeted by the ATF and placed on this list for having its license revoked.

Dana Taylor:

And, as I mentioned, some have reopened under new owners or new brands. What did John Duncan tell you about the gun store he runs with his wife in Leesburg, Ohio?

Nick Penzenstadler:

Yes, it was great. I was able to connect with the owner of this gun store after they announced on their Facebook page that they had closed last August. They did not explain why, but it has since reopened under a new name. And of course in the list I saw that they were canceled. Therefore, the previous license was revoked. They were audited. The owner spoke to me and said, “We made some mistakes and felt embarrassed,” but he had a problem with the administration’s response. He felt targeted, he felt embarrassed, and he felt they were making a point. So he was able to reopen the store under a different administration, change the name, and resume selling guns. So he’s part of this new regime where he’s been invited to either reapply for his old license or sort things out and restart under a new name.

Dana Taylor:

Nick, one thing to note is that gun dealer records are not reset. Enforcement records remain cumulative. Does that mean that the current seeming shift towards permissiveness may be temporary?

Nick Penzenstadler:

that’s right. In short, the experts and lawyers we spoke to warned that if you feel like a new day has begun, with Trump as president and a friendly administration, it’s important to remember that your record is under scrutiny over time. This means that when you get tested in two years, you’ll be looking back at how you handle documents today. And these proposed rules have not yet been finalized, as it is important that changes are proposed by the ATF. So, the point is, these are still regulations that need to be followed and your record will last well into the future, so you should just follow the book.

Dana Taylor:

What was your biggest takeaway from yesterday’s oversight hearing?

Nick Penzenstadler:

Well, I think it’s really interesting. There are tensions around privacy and gun rights, different groups and interests, and everyone wants more information. The media wants more information, and some advocacy groups want more information, but that conflicts with privacy, and gun owners are notoriously private and don’t want their information shared, and they don’t want the names of gun dealers shared inappropriately. So these things are always under tension. And I think you saw in the hearing that they were at odds with each other.

Dana Taylor:

Nick Penzenstadler is an investigative reporter for USA TODAY. I’m really glad to have you.

Nick Penzenstadler:

thank you.

Dana Taylor:

We would like to thank Senior Producer Kaely Monahan for her production assistance. Executive producer is Laura Beatty. Let us know what you think about this episode by sending a note to the podcast at usatoday.com. Thank you for your attention. I’m Dana Taylor. We’ll be back Monday morning with another episode of USA TODAY’s The Excerpt.

Why Icy Strait Point is Alaska’s most memorable cruise port

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At Icy Strait Point, you can watch whales and eagles while supporting a small Alaskan community.

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Icy Strait Point in Hoonah, Alaska offers an unusual type of cruise port where nature, culture, and community take center stage. It was also developed specifically with tourists in mind.

Built on Huna Tlingit land near Hoonah, this privately owned destination was designed to spread visitors across 23,000 acres of wilderness rather than overwhelming the town. The result is a place where travelers can see bald eagles, sea lions and crashing waves instead of transit buses and tour buses.

In addition to its dramatic scenery, Icy Strait Point generates approximately $20 million in annual economic impact for the community of approximately 900 people and supports hundreds of jobs, making it a model for how tourism can benefit residents while preserving Alaska’s character.

why is it important

Located on Huna Tlingit land, Icy Strait Point shows how tourism can support small communities while preserving their identity. Places like this reflect a broader American story of control, self-determination, and economic opportunity.

Tyler Hackman, senior vice president of Icy Strait Point, said the destination generates “$20 million in annual positive economic impact for a community of 900 people,” creating jobs while preserving Hoonah’s identity.

What to see today

Unlike many cruise ports, Icy Strait Point feels noticeably undeveloped.

“This site is largely untouched,” Hackman said. “When a ship enters the pier here, even if someone is standing on the top deck of the ship, they can’t see the parking lot, the buses, or the cars.”

Visitors can take a gondola to the top and take in the expansive views, then follow Hackman’s advice and head to the beach in front of the historic cannery. There, you can search for seashells, dip your hands in Alaska’s icy waters, gaze at snow-capped mountains on the horizon, and maybe even spot humpback whales and killer whales.

Ask the locals

For a sweet stop with a bigger purpose, visit Lil’ Gen’s Mini-Doughnuts.

Operated by the Salvation Army, this store serves warm mini donuts to cruise passengers during the summer. Its impact extends far beyond desserts, with Hackman saying that in 2025, profits from the store funded “$130,000 worth of food to the local community.”

It’s a delicious way to directly support Hoonah residents. Try lemon sugaring.

plan your visit

  • Best time: Alaska cruise season from May to September.
  • Business hours/admission fee: Open seasonally. Most cruise itineraries include access.
  • directions: It is primarily accessed by cruise ships from southeastern Alaska itineraries.
  • learn more: https://icystraitpoint.com/

Texas Roadhouse to open new location in Texas in 2026

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Texas Roadhouse is expanding with nearly 20 restaurants under construction, including several in Texas. The popular restaurant chain announced in its first-quarter 2026 financial results that 22 restaurants are under construction and also revealed that menu prices increased in April despite sales growth. Texas Roadhouse continues to expand across the United States, although inflation appears to be having an impact on the company.

According to a report from USA TODAY, four Bubba’s 33 stores are under construction in Texas, including two (owned by Texas Roadhouse). Introducing the new store location and opening time.

Texas Roadhouse opens in Texas

Of the 22 locations under construction, Texas Roadhouse has four locations in the Lone Star State.

  • Bubba’s 33 in Laredo, Texas: Opening May 11th
  • Texas Roadhouse in Cypress, Texas: Opening June 1st
  • Bubba’s 33 in Terrell, Texas: Opening June 1st
  • Texas Roadhouse in West Dallas, Texas: Opening June 1st

Texas Roadhouse near me

Use our restaurant locator to find a Texas Roadhouse location near you.

Texas Roadhouse business hours

Texas Roadhouse business hours vary by location, but the restaurant typically opens at 11:00 AM. Opening hours can be found by entering your postal code on the restaurant search page.

USA TODAY contributed to this article.

Contact Natassia Paloma at npaloma@gannett.com, @NatassiaPaloma on x, natassia_paloma on Instagram and Natassia Paloma Thompson on Facebook.

Largest USA 250 event in 2026 includes fireworks, boats, trucks and more

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The nation is preparing to celebrate America’s 250th anniversary.

Events reflecting on America’s heritage are planned across the country in the coming weeks. Events ranging from block parties to battle reenactments spotlight the nation’s industry, history, and community.

Some of these celebrations are already in full swing, including the American Presidents exhibit at the Smithsonian’s National Portrait Gallery and the Great American Road Trip Initiative, spearheaded by the U.S. Department of Transportation. However, a major celebration is scheduled to take place around July 4, 2026, marking the 250th anniversary of the adoption of the Declaration of Independence.

In addition to the national events led by President Donald Trump’s Task Force 250, each state is holding its own events celebrating local history, culture, and accomplishments.

USA TODAY has compiled a list of America250 events that will be featured in the coming months. For activities and initiatives near you, in-person or virtually, check out the complete calendar available at america250.org/calendar/.

freedom track

When and where: Year-round, in all 24 contiguous states

Six traveling museums operate year-round, sharing American history across the country. These “Freedom Trucks” stop at schools, libraries, and other community spots to tell the story of American Independence and what this country’s history means today. Find upcoming Freedom Truck stops near you here.

Redicate 250: National Prayer Event

When and where: May 17th at the National Mall in Washington, DC

The National Mall will be the site of a “massive revitalization” aimed at “emphasizing the church’s role in history and civic life” through worship, testimony, music and more, according to the White House.

Memorial Day National Events

When and where: May 25th at Arlington National Cemetery in Arlington, Virginia.

Outside Washington, D.C., there will be a parade to Arlington National Cemetery and honors for military personnel, including a “candlelight storytelling experience” with historians commemorating the lives and contributions of U.S. troops.

great american state fair

When and where: On the National Mall from June 25th to July 10th.

The National Mall transforms into a glamorous summer state fair. Pavilions representing each state will host performances, demonstrations, contests, and showcases. And even in the heart of the nation’s capital, classic fair food, rides, and games pay homage to state fair traditions.

Opening of the Teddy Roosevelt Presidential Library

When and where: July 1st, Medora, North Dakota

An exciting new landmark opens in the Badlands with exhibits about Roosevelt’s life and conservation legacy. According to the library’s website, the newly constructed architectural emblem invites visitors to pioneer a seamless construction of open nature with outdoor activities and interactive exhibits within the space’s learning environment.

The new destination aims to inspire “a physical connection to the land that influenced President Roosevelt’s ideas about conservation, citizenship, and stewardship,” the library’s website says.

Sail250 + International Fleet Review

When and where: Held from May 28th to July 16th in New Orleans, Norfolk, Virginia, Baltimore, New York City, and Boston.

Sail250 is a multi-city celebration of maritime history. More than 60 ships from 20 countries, including tall ships, warships, and character ships, will sail along the U.S. Gulf and East Coast from May to July 2026. Each state hosts its own events related to the tour.

The Sail250 schedule is as follows:

Salute to America 250 Celebration + Fireworks

When and where: July 4th in Washington DC

There’s no better place to celebrate America’s birthday than in our nation’s capital. The day will feature a speech by Trump, a program, and, of course, a grand fireworks display.

National potluck

When and where: July 5th, in various places

Several states are participating in a nationwide potluck on the Sunday after Independence Day.

America 250 Utah’s website states, “The tradition of Sunday dinner invites us to slow down, serve others, and connect with each other. Through dialogue and a shared meal, we can foster common bonds and honor the freedoms we enjoy as Americans.”

America250 Utah’s website provides an overview of each state participating in the potluck, and those interested in hosting a potluck can sign up online.

Patriot Games National Tournament

When and where: Fall 2026, nationwide

There’s nothing more American than high school sports. A unique festival featuring the nation’s top high school athletes takes place in the fall, pairing students with mentors from a variety of industries to inspire skill and competition.

Contributor: Greta Cross

Josh Shapiro’s claim for a second term as Pennsylvania governor

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During a recent campaign stop in Erie County, Pennsylvania, Gov. Josh Shapiro was quick to list off his accomplishments from his first term.

He has cut taxes seven times and created the Working Pennsylvanian Tax Credit, which gives 940,000 Pennsylvanians up to $800 each.

He has overseen the largest growth in the state’s economy in decades. Growth in his first term was greater than in the previous 15 years combined, he said, and Moody’s determined that Pennsylvania is the only state in the northeastern United States whose economy is growing with $40 billion in private investment.

He also touted record investments in public education, including $300 million for districts to hire counselors to deal with the mental health crisis, and work with both parties to ensure universal free breakfast for children. Under the Shapiro administration, the state also introduced student teacher scholarships to address the state and national teacher shortage.

And under his watch, he touts the work he has done to reduce crime rates, including violent crimes, and expand the Pennsylvania State Police force.

“I fundamentally believe that if you can give your kids good schools and safe communities and get them the jobs they want in communities that respect them for who they are, that’s the recipe for success, and that’s what we do every day,” Shapiro said May 6 while speaking at the Erie County Democratic Party’s Spring Dinner. “I am proud of the oversight and historic investments we have made in public education.”

Shapiro does not vote in Democratic primary

Mr. Shapiro, who is considered a 2028 presidential candidate, is unopposed in the May 19 Democratic primary for governor, as is his opponent in the Republican primary, state Treasurer Stacey Garrity.

In his first run for governor in 2022, Shapiro easily defeated state Sen. Doug Mastriano by a 15 percentage point margin. An average of polls conducted in February and March shows Mr. Shapiro leading Mr. Garrity by 20 points.

Mr. Garrity appears to be trying to turn this campaign into a referendum on Mr. Shapiro’s first term in office, and Mr. Shapiro seems open to that approach. He has emphasized every accomplishment under his political credo of “getting things done.”

Shapiro, 52, was elected governor after serving two terms as state attorney general. In that role, he led a two-year grand jury investigation into hundreds of sexual abuse allegations within the Catholic Church that gained national attention and led to a 2018 report into decades of sexual abuse allegations and their cover-up.

Prior to winning the state Senate seat, Mr. Shapiro served on the Montgomery County Commission from 2012 to 2017. He was elected to the Pennsylvania House of Representatives in 2004 and served three and a half terms from 2005 to early 2012.

His first term as governor was not without crisis and controversy.

Gov. Josh Shapiro’s first term challenges

In 2023, Mr. Shapiro’s office was accused of trying to cover up allegations of sexual harassment and retaliation by subordinates against then-government affairs director Mike Bereb. The administration settled claims against Beleb, a Shapiro ally, for $295,000 in October, a month after Beleb was forced to resign. Questions remain about when Mr. Shapiro learned of the harassment allegations and whether he could have acted sooner to remove Mr. Bereb.

Questions about the incident resurfaced in 2024 when presidential candidate and then-Vice President Kamala Harris considered choosing Shapiro as her running mate. Shapiro said she withdrew her name from consideration days before Harris nominated Minnesota Gov. Tim Walz for the job. After her defeat, Ms. Harris wrote in her memoir, “107 Days,” that Mr. Shapiro was ambitious, obsessed with the vice presidency and seeking more power than was customary for vice presidents. Mr. Shapiro called Ms. Harris’s account of herself a “blatant lie.”

Mr. Garrity accused Mr. Shapiro of both his ambitions for higher office and his handling of the sexual harassment scandal.

She also criticized Mr. Shapiro’s use of $1 million in taxpayer funds to improve security at his private residence in Montgomery County. She announced in April that as state treasurer she does not have the legal authority to pay for improvements to private property.

The renovations were made in response to the April 13, 2025, arson attack on the Governor’s Mansion (Governor’s Mansion) in Harrisburg.

Cody Ballmer, 38, later pleaded guilty to attempted murder, terrorism and more than 20 counts of arson in the arson attack, which occurred just after Shapiro and his Jewish family celebrated the first night of Passover. Ballmer later said he planned to hit Shapiro with a hammer if he encountered him. Those injured in the arson fire did not include the children who were inside the house at the time.

But it not only exposed some security lapses at the governor’s mansion, but also highlighted how political violence is worsening across the United States.

Shapiro has spoken out about the emotional toll the attack took on him and his family. He has spoken about that experience several times, including in December at the National Cathedral in Washington, D.C., to advocate for political civility with Utah Gov. Spencer Cox, a Republican.

But Republicans are critical of the slow release of records related to security improvements, as well as the renovations to Mr. Shapiro’s private residence itself.

fight against trump

Shapiro gained acclaim in June 2023 when a bridge collapsed on Interstate 95 in Philadelphia. Working with PennDOT Secretary Mike Carroll, officials at the local, state and federal levels, unions and private contractors, the bridge was replaced in just 12 days, rather than the months some had predicted.

The quick reopening of major transportation arteries, as opposed to a lengthy bureaucratic process, elevated Mr. Shapiro’s stature and ultimately led to him being considered for vice president a year later.

For nearly 18 months since President Trump took office for his second non-consecutive four-year term, Mr. Shapiro has been on the front lines of legal battles with the administration. Shapiro, like other states, has sued President Trump’s White House multiple times over issues such as executive orders, freezing federal funds and election issues such as mail-in voting.

In a recent speech in Erie, Shapiro spent most of his time attacking Trump and his policies, but he never mentioned Garrity by name and only once called her “my opponent.”

Since Garrity is a staunch Trump supporter, and she has hosted a fundraiser at President Trump’s Mar-a-Lago resort and has Garrity’s support, Shapiro will likely spend the rest of the campaign talking about Garrity as much as she does, especially given the incumbent president’s party’s historic underperformance in the midterm elections and President Trump’s underground poll numbers over rising gas prices and an unpopular war with Iran.

It’s an approach that likely serves the dual purpose of winning Pennsylvanians a second term and energizing them to run for president. That’s why events in Pennsylvania in November could foreshadow Shapiro’s actions two years from now.

Indeed, Pennsylvania Republican Rep. Brian Fitzpatrick (R-1st District), a vulnerable Republican, recently attempted to capitalize on Shapiro’s popularity.

Fitzpatrick said in an interview with Punchbowl News that he thinks Shapiro will be re-elected because he has “done a really good job for Pennsylvania.”

Despite Shapiro’s endorsement of the Democratic challenger, Fitzpatrick said, “Josh is a good person and a friend.” “I think he should run for president. Josh is a very smart guy and I have a great relationship with him. I invited him to my wedding and I hope he comes.”

Matthew Link is a Pennsylvania investigative journalist for the USA TODAY Network.

Weather experts are warning of a “super” El Niño. What could happen?

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It remains to be seen whether it will be a “very strong” or “super” El Niño, but a strong Pacific pattern is expected to emerge this summer.

The federal government’s latest projections give an 82% chance of an El Niño forming by July, according to a May 14 update from the National Oceanic and Atmospheric Administration’s Climate Prediction Center.

Zeke Hausfather, director of climate and energy at the Breakthrough Institute and a researcher at Berkeley Earth, said on May 8 that many predictive models indicate this event could be “one of the strongest El Niño events in recent history.” But he and other officials say it’s too early to know for sure how strong the phenomenon will be.

AccuWeather has raised the probability of a “super” El Niño to 30% by the end of the Atlantic hurricane season in November.

Either way, this summer will likely be remembered for the extreme weather caused by El Niño, said Paul Pastelok, chief long-range expert at AccuWeather.

The El Niño pattern is part of a natural cycle that unfolds over three to seven years in the Pacific Ocean, tends to increase global temperatures, and is considered one of the most influential climate patterns on Earth.

Here’s what we know about a possible “super” El Niño.

ocean water warming

Atmospheric signatures of El Niño include a weakening or reversal of trade winds, a reversal of Pacific pressure patterns, an eastward shift in precipitation and convection, and changes in the jet stream and global wind patterns, all of which collectively indicate the ocean-atmosphere system has entered the El Niño phase, NOAA said.

As sea surface temperatures in the eastern tropical Pacific Ocean increase by at least 0.5°C (0.9°F) above the long-term average, changes in atmospheric patterns, including changes in winds, surface pressure, and precipitation across the region, begin to accelerate.

Don’t see the graphic? Click here to view it.

NOAA tracks sea surface temperatures using satellite instruments that measure the energy emitted by the ocean at different wavelengths. These satellite observations are combined through computer models with temperature data collected from ships and buoys, and information from sea ice charts.

Ocean temperatures around the world have been rising for decades. But from 2023 to 2024, global sea surface temperatures will experience an unusual and prolonged record rise, USA TODAY previously reported.

What is “Super” El Niño?

The word “super” is often used when sea surface temperatures in the tropical Pacific Ocean rise up to 3.6 degrees Fahrenheit above average for several months. However, NOAA has not officially defined a “super” El Niño category.

According to NOAA, this El Niño has an 82% chance of occurring between May and July and is expected to last until the end of 2026.

What are the characteristics of El Niño phenomenon?

El Niño is a natural climate pattern in which sea surface temperatures in the central and eastern tropical Pacific Ocean are warmer than average.

The entire natural climate cycle is officially known as El Niño (Southern Oscillation), and scientists refer to it as ENSO. This cycle moves back and forth between warm and cold ocean water in areas along the equator of the tropical Pacific Ocean. La Niña is characterized by lower than average seawater levels in the region.

The name means little boy or Christ child in Spanish. El Niño was originally recognized by fishermen off the coast of South America in the 1600s when unusually warm water appeared in the Pacific Ocean around Christmas.

Weather effects due to Super El Niño

El Niño causes widespread weather effects around the world, including parts of the United States. El Niño can affect the number of hurricanes that form in both the Atlantic and Pacific Oceans, but it has an even greater effect on winter weather in the United States.

If it happens by summer, “we would likely see a dangerous heat wave across parts of the West and South. Storms and flash flooding could pose the biggest problems from the Plains to the Ohio Valley,” Pastelok said. Drought and wildfire risk will also be major concerns in the Northwest. ”

Even if the strongest parts of El Niño don’t arrive until the end of the year, it could be strong enough to impact the hurricane season, which begins May 15 in the eastern Pacific and June 1 in the Atlantic hurricane basin.

El Niño typically suppresses Atlantic hurricanes by increasing wind shear, which tends to tear apart developing storms. In the Pacific Ocean, the opposite occurs as water temperatures increase and wind shear decreases.

“Simply put, El Niño increases hurricane activity in the central and eastern Pacific Basin and suppresses hurricane activity in the Atlantic Basin,” NOAA said in an online report.

Super El Niños do not occur frequently. Only four have occurred since 1950. The most recent one occurred between 2015 and 2016, according to the Weather Channel.

Doyle Rice writes for USA TODAY

Trump account seduced by Roth IRA hack, but some remain skeptical

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More than 6.5 million children are enrolled in Trump accounts, even as advisers continue to debate whether they are truly the biggest savings vehicle for children.

This year, children under 18 with Social Security numbers can enroll in tax-deferred investment accounts. Individuals, corporations, state and local governments, and eligible charities can contribute up to a total of $5,000 annually to Trump accounts, but the $1,000 in Treasury seed money is only available to U.S. children born between 2025 and 2028. About 1.4 million children who registered were eligible to receive $1,000, according to a U.S. Treasury Department spokesperson.

The Trump account invests in low-cost index funds. Withdrawals are not allowed until the year the child turns 18, at which point they are treated like a traditional IRA with essentially the same rules.

Most advisors tell their clients to sign up for a Baby Trump account to get a free $1,000, but reviews beyond that are mixed. Some people tout that you can convert your Trump account to a Roth IRA at age 18, making the tax-deferred growth tax-free for life. Others said that while it can be appealing, it depends on what your money plan is and how much faith you have that things will never change.

“While the Roth conversion is taxable, decades of tax-free growth are attractive,” said Richard Pong, a San Francisco certified public accountant. But “it really depends on what that money will be used for, when it will be used, and how confident we are that the Roth Act will survive.”

How can a Trump account be tax-free?

You typically need income to open a Roth account. Even a youth Roth IRA can only receive income earned by children doing jobs like babysitting, mowing lawns, or delivering newspapers.

But the Trump Account “creates a legal path to a Roth IRA that is not dependent on earned income contributions,” Matt Sorensen, founder and CEO of Directed IRA & Directed Trust Company, said in a blog post.

The loophole, advisers say, is that the child becomes eligible for Roth conversion in the year he turns 18 and the Trump account converts to a traditional IRA. The move to an IRA also expands investment options beyond the low-cost index funds allowed in the Trump account.

“And if you’re strategic about how you convert your Traditional IRA (formerly Trump Account) when your child reaches 18, there will be no taxes on the Roth conversion,” Sorensen said.

Zeroing out taxes on a Roth conversion assumes the 18-year-old or young adult has little or no income that would put them in the federal zero-tax bracket, he said. “As long as the taxable portion of the Roth conversion is less than or equal to the standard deduction ($16,100 in 2026), no taxes will be paid on the conversion amount,” Sorensen said.

But even if a young person has “little taxable income, converting the account to a Roth IRA can lock in decades of tax-free growth while potentially claiming a decent tax bill,” Luke Delorme, director of financial planning at Tableau Wealth, writes in a blog for the Boston University Center for Retirement Research.

Should the Trump Account be a top-tier savings plan?

Despite some advantages of the Trump account, some advisers said there may be better options depending on what you want to use the funds for.

For example, if the money is intended to be used to pay for college, “parents are better off using a 529 plan, where withdrawals are tax-free,” says Pong. Some of your leftover 529 funds can also be rolled into a Roth IRA later for tax-free growth. The Guardian also offers an upfront state tax deduction for donations.

Kids 18 and older “are earning income…Instead of doing a taxable Roth conversion at age 18, they can just open a Roth account now,” Pong said.

Finally, he said the Trump account conversion twist “assumes that Roth conversions are still allowed at age 18.” “Laws change over time, so you never know what’s going to happen. For example, when Social Security was first introduced, it was tax-free. Then it became partially taxable in the 1970s. When I bought my condo, there was no limit on property tax deductions, but now there is a SALT (state and local tax) cap.”

Mr Delorme said the $1,000 pilot contribution seemed like an easy choice for families with children born between 2025 and 2028. Additional employer or philanthropic efforts to seed the account can further increase the early balance. ”

But ultimately, he said, “the relevant question is not whether Mr. Trump’s account is inherently good or bad, but how it fits into a broader savings strategy.”

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

Should AI be your financial advisor? New study assesses chatbot advice

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Half of Americans now turn to AI for financial advice. Is that a good thing?

In a surprisingly short period of time, artificial intelligence has moved from the fringes of financial planning to the center stage. A recent study by TD Bank found that the percentage of Americans using AI to manage their household finances has jumped from 10% in 2025 to 55% in 2026.

If that’s true, AI has become a more popular financial advisor than actual financial advisors. According to a 2025 Gallup poll, only about two-fifths of Americans seek advice from a financial professional.

Half of Americans are asking AI financial questions, and the answers could be used to save and invest trillions of dollars. Everyone says AI is getting smarter, but chatbots have been known to “hallucinate” and make up things.

“There’s something dangerous about just believing what a computer tells you about something,” said Luke Delorme, a certified financial planner in Great Barrington, Massachusetts, and author of several books on AI.

With this concern in mind, a team of researchers from MIT and Stanford University set out to study what questions Americans asked AI about money and what AI answered accordingly.

“This happened very quickly,” says Taha Chokmane, assistant professor of finance at MIT’s Sloan School of Management. “I wanted to know what kind of advice they were getting.”

Choukhmane and his colleagues asked 1,000 Americans to write down questions they might send to a chatbot. They then entered prompts through the chatbot and studied their responses.

How effective is financial advice from a chatbot?

They found that, essentially, the answers you get from AI are almost the same as the questions you ask. Their findings are published in a research paper titled “AI Financial Advice: Supply, Demand, and Life Cycle Implications.”

In most cases, the AI ​​chatbot advised the human correspondent on sound financial behavior: saving money for emergencies. Invest in the stock market, preferring low-cost index funds. Limit your exposure to risky investments, especially as you get older.

But AI struggles with the nuances of investing, researchers found.

For example, a chatbot might not talk about rebalancing or buying or selling assets to maintain a certain level of risk within a portfolio.

Also, chatbots may not understand the concept of smoothing consumption and adjusting the balance between spending and saving over time to maintain a standard of living.

Researchers found that AI consistently provided better advice to people who asked better questions.

As an experiment, they divided the AI ​​queries into two groups. Questions written by people with low financial literacy and prompts written by people with high financial literacy.

The more financially savvy you are about the questions, the more intelligent the answers you will get.

By modeling investments based on AI responses, researchers found that investors’ returns increased by about 5% over time if the original chatbot query was made with high financial literacy.

“For people who already know a little bit about finance and financial literacy, AI might be a little more helpful,” Chalkmane said.

The study also found that when users are used to asking AI questions about money, the AI ​​becomes more responsive and improves investment results. Novice users of the chatbot received only weak answers.

Are chatbots sexist?

Researchers have discovered a strange gender disparity in AI advice. When the chatbot answered questions from women, it returned more conservative advice.

“AI tends to encourage women to take less risk in the financial markets and invest less in the stock market,” Chokmane said. “Whenever the AI ​​learns that you are a woman, it tends to push or steer you toward safer assignments.”

Digging deeper, the researchers found that part of the reason the AI ​​gave women different advice was because they asked different questions. Men were more likely to talk about stocks. Women were more likely to talk about debt and ask about lower-risk investments.

But some of the gender bias remained even when researchers asked the same questions of AIs they thought were talking to men or women.

Researchers could only speculate as to why. Perhaps the AI ​​gave a different answer for women because it assumed women had more conservative goals. Perhaps the chatbot acted on gender biases it learned from the literature it read.

Sam Taub, chief investment writer at NerdWallet, said gender bias is “known to be an issue for human financial advisors.” “AI doesn’t seem to completely solve this problem.”

As AI reaches more users, risks are increasing

With the proliferation of AI content, the stakes are even higher as chatbot financial tips reach a wider audience.

In another study, another group of researchers assessed the quality of full-text articles about investing written by AI.

Researchers from Harvard Business School and Boston College examined thousands of articles published on Seeking Alpha, a popular website for crowdsourced content in the marketplace.

Using an AI detector, researchers found that at one point, 13% of Seeking Alpha’s articles were AI-assisted. When the site banned AI in 2023, its share dropped to 4%.

The researchers found that AI-generated articles were quantitatively inferior.

Articles powered by AI received fewer comments from readers. These were less likely to be cited as “Editor’s Picks.” And the stocks they covered had lower trading volumes and lower average returns than stocks featured in human-written articles.

There were other subtle differences as well. Financial advice written by humans is based on personal anecdotes, hunches, and emotions. AI advice was relatively impersonal and general.

“Contributors will be talking about their own experiences and experiences using the product,” said Yuan Zou, assistant professor of accounting and management at Harvard Business School. “As everyone uses AI, there will be fewer and fewer of those perspectives on the platform.”

In their paper, the researchers cited comments from Seeking Alpha editors to explain why the site felt compelled to ban AI.

“The research and analysis prepared by the ‘bots’ will essentially reduce the content on Seeking Alpha to one view: the bot view,” the editors wrote.

Democrats lose redistricting battle, hoping for Trump’s unpopularity

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In the aftermath of a painful gerrymander loss, three Virginia Democrats in Congress told USA TODAY they remain optimistic about their party’s chances in November.

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WASHINGTON – As Republicans advance their national redistricting wars, Democrats are adamant that they may be behind, but they are far from defeated.

Concerned about President Donald Trump’s low polling numbers and rising gas prices, there is stubborn optimism among the minority party in Congress, despite the court blows it has suffered over the past two weeks.

First, the conservative-majority Supreme Court struck down the Voting Rights Act. The landmark decision set up state legislatures across the South to immediately begin sweeping black-majority districts that have been key to the Democratic Party’s national success ahead of the impending midterm elections.

The Virginia Supreme Court subsequently released a separate voting map that would give Congressional Democrats up to four additional House seats in the upcoming midterm elections.

The loss was painful. Democratic lawmakers in Washington reacted very strongly, with some discussing a long-term plan to encourage the Virginia General Assembly to abolish the state Supreme Court by lowering the retirement age for judges, according to the New York Times.

When the political dust settled, they emerged from closed-door meetings with varying degrees of confidence about the path forward. Ultimately, many still believe that worsening fuel prices, growing concerns about the cost of living, and Trump’s unpopularity could wrest full control of the Capitol from Republicans.

Until recently, Blue’s victory seemed almost a foregone conclusion. Success at the polls this fall could help Democrats regain political foothold in Washington, effectively blocking President Trump’s remaining second term in the White House.

Many people vehemently agree that Democrats are still favored to take back the House. “It’s getting more and more difficult.”

“I’m very optimistic that we can get a majority in November, but it’s not going to be easy,” Rep. Suhas Subramanyam, D-Virginia, told USA TODAY. “The field is just as important as the people who play on it.”

Tim Kaine: “Virginia Democrats are running out of time”

In interviews with USA TODAY, three Democratic members of Virginia’s congressional delegation said they believe their party can flip Republican seats in the state, even when looking at old maps. They also threw cold water on last-minute Hail Mary plans, including the ouster of state Supreme Court justices.

“My understanding is that members of Congress have already said no,” said Rep. Jennifer McClellan, referring to the state Legislature.

The Democratic Party of Virginia has filed an emergency petition with the U.S. Supreme Court to allow redistricting to proceed. The plan is widely expected to go nowhere, and the state’s new map will almost certainly be off the table in the 2026 election.

Sen. Tim Kaine, a former Richmond mayor, said Virginia Democrats are running out of time.

“We’re six months away from Election Day,” he told USA TODAY. “We don’t have time to consider all kinds of options.”

After a recent week of traveling around the commonwealth, Kaine said he heard from many Virginians who were dissatisfied with the Trump administration’s policies. That fear alone is enough to overcome gerrymandering setbacks, he said.

“Let’s just go win the race,” he said. “People are not happy with the way the president and his enablers are treating this country.”

Two or even three of those seats could be contested. And the Republican most at risk of defeat, Rep. Jen Quiggans, is embroiled in an election scandal. In a May 11 radio interview, she echoed racist comments the host made about Democratic House Minority Leader Hakeem Jeffries, who is Black. She later said she did not condone the comments made by the commentators and did not apologize.

Maryland: Democrats’ next target

Republicans are wasting no time capitalizing on the U.S. Supreme Court’s Voting Rights Act ruling. They are moving quickly to eliminate the only Democratic seats in South Carolina and Tennessee. Despite legal issues, some estimates suggest the party could pick up about a dozen more Republican-leaning seats in the midterm elections.

Independent political analysts predict that Democrats could still come out on top.

“This is a redistricting deficit that we hope Democrats will overcome,” Kyle Kondik, editor-in-chief of the nonpartisan Sabbat newspaper Crystal Ball, said in a May 14 analysis. “But it is also a sufficient advantage for Republicans that, under the right circumstances, it could allow them to defend their House majority.”

Last year, a Republican effort to redistrict Utah’s state backfired, creating a gift for Democrats and creating one safe blue seat. In February, the Supreme Court also gave the green light to gerrymandering in California, creating five more blue seats.

Between now and November, Maryland may be the only Democratic-led state that could theoretically redraw electoral districts. And even then, that’s “only if all the stars align,” House Democratic Caucus Chairman Pete Aguilar told reporters on May 13.

Maryland Governor Wes Moore is publicly pushing state lawmakers to eliminate the state’s only Republican congressional district. But time is of the essence, and he cannot make the case to voters the way the Democratic governor of Virginia can.

A one-seat advantage may not sound like much, but in a Congress that currently essentially functions (or at least attempts to function) on a two-vote margin, it could make a meaningful difference.

“It’s going to help level the playing field with what’s happening in the southern states,” McClellan said. “At this point, we need to look at everything we can do.”

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.

Small plane crashes into Ohio home, killing 2 people and causing house fire

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AKRON, Ohio — Two people were killed when a small plane crashed into an Ohio home and caused a fire, authorities said Thursday, May 14.

The Akron Fire Department said in a statement shared on Facebook that the small plane crashed in a residential area just southwest of the Akron-Fulton Airport. According to the Federal Aviation Administration, the incident occurred around 3:45 p.m. local time.

The FAA said in a statement that only two people were on board the Piper PA-28 when it crashed into the home. The Akron Fire Department confirmed that two people on board the plane died in the incident, the USA TODAY Network’s Akron Beacon Journal reported.

According to the Akron Fire Department, a house caught fire after the collision, and another house was also damaged. District Fire Chief Cielsie Rush told News 5 Cleveland that a couple and two children were inside the home at the time of the accident.

“They were very lucky to be safe because they were able to get out without any injuries,” Rush said in an interview with the television station.

Smoke from the scene was visible from downtown Akron, and first responders from multiple community and government agencies were called in, the Akron Beacon Journal reported. The scene was quickly sealed off and traffic was diverted away from the neighborhood.

Rush told News 5 Cleveland that firefighters were able to extinguish the house fire and remained on scene monitoring for “hot spots.” Later in the afternoon, an Ohio State Highway Patrol plane was seen flying over the scene, and a vehicle from the Summit County Coroner’s Office also arrived at the scene.

FAA, National Transportation Safety Board investigating accident

American Winds Aeronautical University, a flight school based at Akron-Fulton Airport, confirmed the crash occurred near the airport and said data shows the plane departed around 2:45 p.m. local time.

“We pray for the pilots, passengers, and their families,” the American Winds of Aeronautics University said in a Facebook post. “We want to let the American Winds staff, students, and families know that all flights are safe. Please keep everyone involved in your prayers.”

The Akron Fire Department said the Ohio State Highway Patrol is investigating the incident. The FAA also confirmed that the crash is being investigated by the FAA and the National Transportation Safety Board, which is leading the investigation.

Neighboring residents describe the scene immediately after the crash as “the fire erupted in an instant.”

The plane crashed into a home in the Coventry Crossing development near Firestone Country Club, according to the Akron Beacon Journal. In an instant, the quiet neighborhood was thrown into chaos.

“I heard this huge thud,” said Canterbury Circle neighbor Jewel Ulrich. “Immediately, we all jumped out. We saw the plane hit the house. Immediately the fire started.”

She and her husband, Steve, ran with their neighbors to get everyone out of the house.

“That fire was instantaneous,” she said. “It was very hot. And I could see the tail of the plane right there. There was just a lot of fire.”

“His tail was just hanging out of the garage,” Steve said.

“One wing of the plane was on the ground between the houses,” Jewell explained.

Michael Phillips, who lives next door, was home with his family when the accident occurred. Phillips ran back inside and told his wife and daughter to leave.

“The lights flickered in our house,” he said. “The next thing I heard within five to eight seconds was a loud thump. I went outside and the house was on fire.”

Papa John’s Garlic Sauce is now available in stores nationwide. Well, then

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If you’ve ever dreamed of bottling your daddy JoeAll your dreams can come true when you get creative beyond pizza with HNS’ iconic garlic sauce.

This summer, Papa John’s will bottle and distribute Special Garlic Dipping Sauce to grocery stores and retailers nationwide, the company announced in a May 13 news release shared with USA TODAY.

Along with the free pepperoncini that comes with every order, Papa John’s flavorful sauces have long been a cult favorite, propelling the 40-year-old company to the third-largest delivery pizza restaurant in the world.

Here’s what you need to know about getting Papa John’s signature garlic dipping sauce.

“Life beyond pizza night”

“Our signature garlic dipping sauce is one of our brand’s most iconic flavors, and our fans have a deep connection to it,” Papa John’s Vice President of Culinary Arts Mark Gabrovich said in a statement. “Our goal was to reimagine that bold, buttery, garlicky flavor that our fans love beyond pizza night and for life.”

Gavlovicz added that the store-bought sauce is “inspired” by the recipe found in every Papa John’s pizza box and “offers a rich, mouth-watering garlic experience that is best served warm and can be dipped, drizzled or cooked at home.”

The sauce will be available this summer at select grocery stores and retailers nationwide, including Walmart, Kroger, Albertsons, Safeway and HEB.

To help Papa John’s sauce lovers get started, the company has added several recipes to its website, ranging from snacks to full-fledged meals.

A rich history

In a 2017 interview with Eater.com, Papa John’s former “chief ingredients officer” Sean Muldoon said the special garlic dipping sauce is a staple of the brand and has been served with every pizza since its inception in 1984.

Muldoon said the recipe hasn’t changed much except for a 2015 initiative when Papa John’s introduced a “clean label standard” that eliminated partially hydrogenated oils, artificial flavors and colors from its products.

“Garlic butter sauce proved to be the perfect complement to pizza crust,” Muldoon told Eater. “Some people love soaking the dough and do this first before eating their pizza.”

Regarding the move into the consumer market, Papa John’s CEO Todd Penegor said during the company’s first-quarter earnings conference on May 7 that the company will “unlock new sales demographics to increase sales,” Nation Restaurant News reported.

“This launch increases awareness by extending our brand beyond restaurants and provides a convenient way for customers to add Papa John’s signature flavors to their everyday meals,” Penegor added.

Drew Pittock covers trending news from around the country for USA TODAY. He can be reached at DPittock@usatodayco.com.

Murderer becomes 600th person executed in Texas as Supreme Court guides the way

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The execution of Edward Buzbee, who robbed and murdered a 77-year-old woman, had been on hold for nearly a week. A last-minute Supreme Court ruling on Thursday allowed the move forward.

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The U.S. Supreme Court’s ruling clears the way for Texas to carry out its 600th execution on Thursday, May 14th.

Edward Buzbee’s execution had been on hold for nearly a week after the 5th Circuit Court of Appeals issued a stay order citing his intellectual disability. The state appealed the verdict, and Buzbee’s fate was unknown until the Supreme Court’s decision late Thursday, May 14.

Three hours later, Texas executed him. Buzbee was pronounced dead at 8:11 p.m. (Central time).

Liberal Justices Elena Kagan, Ketanji Brown Jackson, and Sonia Sotomayor dissented. Mr. Jackson wrote in his dissent that Texas experts determined Mr. Busby was too mentally retarded to be executed.

“In fatal incidents, we rarely intervene to save lives,” Jackson wrote in his dissent. “I don’t understand why the court would rush to kill a case, especially under the circumstances of this case.”

Busby was convicted in 2004 of the robbery and murder of Laura Lee Crane, a 77-year-old former Texas Christian University professor who was attacked at a Fort Worth grocery store.

In his final words, Buzbee asked the room full of witnesses, including Crane’s family, not to hate him but to forgive him in their hearts.

“Ms. Crane was a lovely woman. I never intended for anything bad to happen to her,” Crane said as she lay strapped to a stretcher in the death chamber, according to the Texas Department of Corrections. “I’m so sorry… I hurt your family, I hurt my family, and I wish I could take it all back. I sincerely want it back.”

Texas has executed 599 inmates since 1976, hundreds more than any other state in the nation before Buzbee’s execution, according to the Death Penalty Information Center, which tracks U.S. executions.

“Mr. Busby will have 600 people.”th The agency spoke in a post about what this milestone means for the state and nation, saying Buzbee’s case is an example of how the death penalty is used against people of color and mentally disabled inmates in the United States.

Here’s what else you need to know about this:

What was Edward Buzbee convicted of?

On January 30, 2004, 77-year-old Laura Lee Crane was at a grocery store near her home in Fort Worth when her nightmare began. Edward Buzbee and his girlfriend kidnapped a retired Texas Christian University professor, forced her into the trunk of his car and wrapped duct tape around her head, according to court records.

She died of suffocation.

“The trunk became her coffin,” prosecutor Greg Miller said during Busby’s trial, according to archived news reports. “The car itself became her hearse.”

Buzbee has always maintained that he did not intend to kill Crane and thought he had put duct tape around her head so she could still breathe. He said the plan was to release her once she was far enough away from Oklahoma.

“All I want you to know is that it was never my intention for that woman to die,” he tearfully told the Fort Worth Star-Telegram in a prison interview in 2004. “I don’t know what happened. I was up for two days smoking crack.”

Crane’s body was wrapped in a white sheet and left on the side of a highway near Davis, Oklahoma. Buzbee led authorities to the scene.

Courts went back and forth on Edward Buzbee’s execution

On Friday, May 8, the Fifth Circuit Court of Appeals issued an order suspending Buzbee’s execution, less than a week ahead of schedule.

The court cited an upcoming case in Alabama that could change the way inmates are determined to have intellectual disabilities.

“In matters of life and death, the state needs to ensure that appropriate constitutional rules apply to whether and how to determine intellectual disability before executing a defendant for a capital crime, especially if this is a rule that the Supreme Court will soon clarify,” said Fifth Circuit Judge Stephen Higginson.

Supreme Court justices are considering how to weigh multiple IQ scores when determining whether a death row inmate’s intellectual disability is so severe that the death penalty would constitute cruel and unusual punishment.

The Supreme Court could have allowed Mr. Buzbee to remain in custody when deciding the issue, but the majority ruled in favor of proceeding.

What will happen to U.S. executions this year?

Buzbee’s execution is the 12th in the United States this year and the fourth in Texas.

This will be the second execution carried out alone on Thursday. Earlier in the day, Oklahoma executed Raymond Eugene Johnson for the brutal 2007 murders of his ex-girlfriend Brooke Whitaker, 24, and her 7-month-old daughter Kaia.

Executions are scheduled for next week in Arizona, Tennessee, and Florida.

Contributor: Maureen Grope

Amanda Lee Myers is a senior crime reporter covering capital punishment, cold case investigations and breaking news for USA TODAY. Follow her on X at @amandaleeusat

Amazon recalls 102,000 teething toys after 11 reported choking incidents

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Teething toys sold on Amazon have been recalled, according to a notice issued by the Consumer Product Safety Commission on Thursday, May 14th.

The notice states that the product violates mandatory toy standards because the silicone string is smaller and longer than allowed. As a result, it can reach the back of your throat and become stuck, making it difficult to breathe and putting you at risk of suffocation.

The agency is aware of 11 suffocation incidents, the notice states.

Approximately 102,430 vehicles are affected by the recall.

Details about recalled teething toys

According to the recall, the toy is an off-white disc-shaped ball with a red ball in the center and six long silicone pull string “tentacles.” There are tentacles of various colors running inside the ball. In addition, there are three free-swinging rings and soft push buttons on the disc.

The product package says “Model number 688-59”.

The toy was sold on Amazon.com from October 2022 to January 2026 for $10 to $12.

What should consumers do?

Consumers are advised to immediately stop using the toy or take it away from their children. Consumers can contact ZW Creations to request a free replacement.

To receive a replacement, customers are asked to cut and discard all silicone string tentacles, write “RECALLLED” on the body of the toy with a permanent marker, and submit a photo of the destroyed product online at https://tiyol-recall.com.

Michelle Del Rey is a trending news reporter for USA TODAY. Please contact mdelrey@usatoday.com.

El Nino forecast warns of strong changes during hurricane season

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This chaotic climate change force is known to increase hurricane activity in some places and reduce it in others. Here’s what you need to know as new forecasts warn of a possible “very strong” El Niño.

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El Nino is “soon” and could reach “very strong” levels later this year, according to a forecast released May 14 by climate scientists at the NOAA Climate Prediction Center.

This and other predictions are causing alarm around the world, as this pattern has a major impact on global weather. This includes dramatic effects on hurricanes. The number of storms forming in the Atlantic basin will be suppressed, while the number of storms in the Pacific will increase.

According to NOAA forecasts, El Niño is likely to occur soon (82% chance within the next few months) and last into the Northern Hemisphere winter of 2026-27 (96% chance from December 2026 to February 2027).

And even if the strongest parts of El Niño don’t arrive until the end of the year, it can still be strong enough during hurricane season (June to November) to influence the number of storms that form in both the Atlantic and Pacific Oceans.

Does El Niño cause hurricanes?

That’s not really the case, but if you follow hurricane season forecasts, it’s easy to see why it looks that way.

El Niño typically suppresses Atlantic hurricanes by increasing wind shear, which tends to tear apart developing storms. In the Pacific Ocean, the opposite occurs as wind shear decreases during El Niño.

“Simply put, El Niño increases hurricane activity in the central and eastern Pacific Basin and suppresses hurricane activity in the Atlantic Basin,” NOAA said in an online report.

Once the season begins and El Niño officially forms within a month or two, it could be good news for those along the Gulf Coast and East Coast, but potentially worrying news for residents of the southwestern United States and Hawaii, where more hurricanes are likely.

But in the Atlantic Basin, forecasters are warning people that “all it takes” is for the worst hurricane season to occur.

What is El Niño?

El Niño is a natural climate pattern in which surface ocean temperatures in the central and eastern tropical Pacific Ocean are warmer than average.

The name means little boy or Christ child in Spanish. El Niño was originally recognized by fishermen off the coast of South America in the 1600s when unusually warm water appeared in the Pacific Ocean around Christmas.

The entire natural climate cycle is officially known as El Niño (Southern Oscillation), and scientists refer to it as ENSO. This cycle moves back and forth between warm and cold ocean water in areas along the equator of the tropical Pacific Ocean. La Niña is characterized by lower than average seawater levels in the region.

Typical El Niño effects

The World Meteorological Organization said in a recent statement that El Niño affects temperature and rainfall patterns in different regions and typically has a warming effect on the Earth’s climate. “Thus, the combination of a strong 2023-2024 El Niño event and anthropogenic climate change caused by greenhouse gases made 2024 the hottest year on record,” WMO said.

WMO says El Niño is typically associated with increased rainfall in southern South America, the southern United States, the Horn of Africa and parts of central Asia, and drought in Australia, Indonesia and parts of South Asia.

What are the chances of a “strong” or “very strong” El Niño occurring in the second half of 2026?

“There is a two-in-three chance of a ‘strong’ or ‘very strong’ El Niño event occurring between November 2026 and January 2027,” said Michel Rollou, a physical scientist and NOAA’s ENSO team leader. “Please note that this is the best forecast based on the information we currently have. However, these probabilities will change in the coming months depending on the El Niño situation. There is still enough uncertainty that it would not be surprising to see a weaker outcome,” she said.

Additionally, NOAA’s forecast states that “strengthening El Niño events do not guarantee strong impacts, but only increase the likelihood of certain impacts.”

Will this year be the year when Hawaii will experience more hurricane damage?

El Niño tends to intensify the hurricane season in the Pacific Ocean, including the central and eastern Pacific basins. However, most storms in the Pacific do not make landfall. In fact, according to NOAA, only about a quarter of hurricanes and tropical storms in the eastern Pacific make landfall, with most turning west and staying over the ocean.

Hawaii can also be affected by central Pacific storms, but storms rarely hit the state. On average, Hawaii is hit by a tropical cyclone about once every 10 years.

“The central Pacific Ocean often has a busy season during El Niño events, but there is no science that can specifically predict the impact of a single phase of ENSO,” said Matthew Rosencrans, NOAA’s chief seasonal hurricane forecaster. “Tropical impacts to the Southwest are often due to moisture surges into the Gulf of California and the West Coast.”

However, he added, “Their timing and amounts are not something NOAA predicts more than two to four weeks out.”

What does this forecast mean for U.S. weather?

Brad Pugh, a meteorologist with the NOAA Climate Prediction Center, said El Niño does not have a strong impact on summer temperatures, but the Pacific Northwest is likely to experience warmer-than-historically normal temperatures.

“During the winter, the effects are even stronger,” Pugh said. “Temperatures are likely to be above normal in the northern United States, and above-normal precipitation is likely to be in the Southeast and Gulf Coast.”

Contributor: Dinah Voyles Pulver, USA TODAY.

Doyle Rice is a national correspondent for USA TODAY, focusing on weather and climate.