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How Is Botulism Getting into Baby Formula? Here’s How to Keep Kids Safe

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The U.S. is in the grips of a botulism outbreak tied to a premium infant formula brand. Dozens of babies have been affected as of November 19.

All the reported cases of the paralyzing bacterial infection occurred between August and November and have been linked to powdered infant formula produced by ByHeart, according to a Food and Drug Administration report. The company voluntarily recalled all its products on November 11, and experts caution that more cases of the potentially fatal disease may surface.

“In some cases, after exposure, it may have taken up to a month for some babies to actually show symptoms,” says Randal De Souza, a pediatric infectious disease specialist at Golisano Children’s Hospital at the University of Kentucky.

As of November 19, the FDA and the Centers for Disease and Control and Prevention are currently investigating illnesses in babies from several states, including Arizona, California, Idaho, Illinois, Kentucky, Maine, Michigan, Minnesota, New Jersey, North Carolina, Oregon, Pennsylvania, Rhode Island, Texas, and Washington State.

In an e-mail to Scientific American, ByHeart’s co-founder and president, Mia Funt, said the company was working with the FDA and independent experts on its product recall and ongoing investigations.

“Our number one priority is infant health. We express our deepest sympathy to the families currently impacted by the cases of infant botulism,” Funt wrote. The FDA did not immediately respond to a request for comment from Scientific American.

Here’s what to know about the outbreak and how to stay safe.

What to know about the botulism outbreak in babies

Botulism is a relatively rare but potentially severe infection caused by the soil-dwelling bacterium Clostridium botulinum. The bacterium produces toxins that damage nerves, De Souza says. According to the most recent CDC data, there were 243 lab-confirmed cases in the U.S. in 2021, and 181 of those infections were in infants. Between 5 and 10 percent of cases are fatal.

In infants, the first signs of infection are usually constipation, followed by varying degrees of paralysis. Babies might initially lose control of their facial expressions, mouth, and eyes. They might also drool more, take longer to feed or have a weaker cry, De Souza says. The paralysis slowly progresses down through the body, he explains.

“The presentation tends to be a ‘floppy baby,’ which essentially means you lose head control first, then you lose limb control, and the last tends to be respiration: you lose your ability to breathe,” De Souza says.

How are infected infants diagnosed and treated?

A clinical diagnosis, using stool samples, can take up to a week, so any infant with a suspected case of botulism must be monitored closely, De Souza says.

If infants are hospitalized, they are placed on feeding tubes and may be intubated. Infections are treated with an antitoxin that binds to and neutralizes excess toxins in the body to stop the infection.

“Then it’s up to the body to essentially regenerate nerves,” De Souza says. That process can take weeks or months, and some babies may require further speech or feeding therapy. In extreme cases, they might require a breathing tube.

Infants who recover from botulism aren’t known to have permanent issues, De Souza says, but “a very young baby requiring multiple support modalities for months is not great.”

All 23 infants that were infected in the recent outbreak—almost all of whom are currently under seven months old—have been hospitalized, and no deaths have been reported.

How to stay safe

ByHeart and the FDA are alerting people not to use recently purchased ByHeart infant formula. Barbara Kowalcyk, director of the Institute for Food Safety and Nutrition Security at George Washington University, says to check any ByHeart formula parents might have stocked up.

“People have stuff in their pantries that they don’t always know about, or they may not hear about the recall,” Kowalcyk says. “The voluntary recall language can lead people to potentially believe that it’s not as big of an issue.”

She suspects that more cases of botulism will be uncovered in the coming weeks.

Is baby formula particularly susceptible to botulism?

Botulism has been detected in baby formula before. The pathogen mostly exists as a hardy spore, and while high pressure or heat at an industry level can kill them, “your typical heating, say, in your home kitchen will not,” De Souza says. Otherwise, “the spores just live forever.”

According to the Infant Botulism Treatment and Prevention Program (IBTPP), 84 infants in the U.S. have received treatment for botulism since August, and at least 36 of those cases have been linked to powdered infant formula exposure. The California Department of Public Health found at least six cases of infant botulism linked to exposure to ByHeart powdered formula that occurred from November, 2024 to June, 2025—months before the current outbreak.

It’s unclear if C. botulinum contamination occurred at any point during the manufacturing process at ByHeart’s facilities or at stores that sold the product, or in people’s homes after that process. The California Department of Public Health reported on November 8 that an already opened can of ByHeart formula tested positive for C. botulinum, and officials are now testing unopened products for the bacterium.

In an open letter to the FDA, ByHeart alluded to a wider “unprecedented spike” in national infant botulism. Representatives of IBTPP have also said that the spike in cases may be indicative of a broader trend, the Associated Press reported.

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https://static.scientificamerican.com/dam/m/5f89b230e679e230/original/GettyImages-1407268983_botulinum.jpg?m=1763491890.769&w=900

Clostridium botulinum. CHRISTOPH BURGSTEDT/SCIENCE PHOTO LIBRARY/Getty Images

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Click the link below for the complete article:

https://www.scientificamerican.com/article/experts-explain-how-botulism-toxin-can-end-up-in-baby-formula/

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How a ‘fertility gap’ is fuelling the rise of one-child families

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Natalie Johnston was scrolling on Facebook a couple of years ago, when she came across a group called, “One And Done On The Fence”. Seeing it, she felt a sense of relief.

“It was nice to hear someone giving it a name,” she says.

She and her husband have a five-year-old daughter called Joanie, but they knew they probably wouldn’t have a second child, not because they couldn’t, but not out of choice, either: Natalie finds it hard to imagine having the time and money for one.

“You know you’d love that baby, everyone tells you, but there’s a little teeny niggle where you think, ‘what if I put my first in that position where she can’t do the activity she wants to do because I’ve got to spread money out between two’?”

She adds: “Is it okay to say you’re only having one because they don’t fit into modern ways of parenting?”

Modern parenting, for Natalie, 35, looks like family holidays with Joanie. It looks like weekday evenings hearing about her day at school and helping her with homework. But, with demanding jobs and no family living nearby to help with childcare, it also looks like an expensive childcare jigsaw.

But ultimately, deciding whether or not to have a second is a tough decision. “I think you worry you’d regret it,” she says.

The fertility rate was 1.41 children per woman in England and Wales last year, according to the Office for National Statistics (ONS) – the lowest on record for a third year running.

And the proportion of families with one child has grown since the turn of the century.

They made up 44% of all families with dependent children in England and Wales last year, up from 42% in 2000. (Though the peak was 47% in the early 2010s, which then dipped before picking up again after Covid.)

The UK’s falling birth rate is part of what the United Nations calls a “global fertility slump”, which it puts down, in part, to money worries.

People aren’t “turning their backs on parenthood”, says the UN in a summary of its Population Fund’s State of World Population report, which surveyed people across 14 countries.

Instead, it says they “are being denied the freedom to start families due to skyrocketing living costs, persistent gender inequality and deepening uncertainty about the future”.

Bridging the ‘fertility gap’

Education Secretary Bridget Phillipson said earlier this year that she wants “more young people to have children, if they so choose”.

She pointed to the expansion of funded childcare hours in England as a way the government was trying to recover “dashed dreams”.

Annual nursery costs for a child under two in England did fall this year for the first time in 15 years, according to the children’s charity Coram. They are now an average of £12,425, down 22% on the previous year. However, they are slightly up in Scotland and Wales, at £12,468 and £15,038 respectively.

A study from University College London (UCL) last year suggested two-fifths of 32-year-olds in England want children – or more children, if they are already parents – but only one in four of them are actively trying to conceive.

Dr Paula Sheppard, an anthropologist at the University of Oxford, believes parents in the West still think of having two children as “the norm”.

However, she says there is a “fertility gap” and that “for every three kids wanted… only two are born”.

“A lot of this gap is driven by… people starting families later and later in life,” she explains – often a result of education and career opportunities for women and changing gender roles.

“It becomes a whole lot more difficult to get pregnant [and] it becomes a whole lot more difficult to keep the pregnancy.”

Fewer pupils, less cash for schools

The falling birthrate is giving education policymakers a headache.

The number of pupils in England has dropped by 150,000 since 2019, and will fall by a further 400,000 by the end of the decade, according to the Education Policy Institute.

Schools are given money per pupil, so fewer pupils means less cash. Less cash, in turn, is an issue for those head teachers struggling to fund staffing and resources.

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https://ichef.bbci.co.uk/news/800/cpsprodpb/bf88/live/c5ccbb70-d0f1-11f0-9fb5-5f3a3703a365.jpg.webp

Bridging the ‘fertility gap.’

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Click the link below for the complete article (sound on to listen):

https://www.bbc.com/news/articles/cwyv7211jljo

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Pete Hegseth Is Doing Something Even Worse Than Breaking the Law

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In their military campaign in South America, Donald Trump and Pete Hegseth aren’t just defying the Constitution and breaking the law. They are attacking the very character and identity of the American military.

To make this case, I have to begin in the most boring way possible — by quoting a legal manual. Bear with me.

Specifically, it’s the most recent edition of the Department of Defense Law of War Manual. Tucked away on page 1,088 are two sentences that illustrate the gravity of the crisis in the Pentagon: “The requirement to refuse to comply with orders to commit law of war violations applies to orders to perform conduct that is clearly illegal or orders that the subordinate knows, in fact, are illegal. For example, orders to fire upon the shipwrecked would be clearly illegal.”

Here’s another key line: “It is forbidden to declare that no quarter will be given.” A no quarter order is an order directing soldiers to kill every combatant, including prisoners, the sick, and the wounded. The manual continues, “Moreover, it is also prohibited to conduct hostilities on the basis that there shall be no survivors, or to threaten the adversary with the denial of quarter.”

Before we go any further, it’s important to define our terms. This newsletter is going to focus on the laws of war, not a related concept called rules of engagement. The laws of war reflect the mandatory, minimum level of lawful conduct, and all soldiers are legally obligated to obey them at all times and in all conflicts.

Rules of engagement are rules devised by commanders that are often more restrictive than the laws of war. For example, when I was in Iraq, our rules of engagement sometimes kept us from attacking lawful targets, in part because we wanted to be particularly careful not to inflict civilian casualties.

In my service, we were often frustrated by the rules of engagement. We did not, however, question the laws of war.

There are now good reasons to believe that the U.S. military, under the command of President Trump and Hegseth, his secretary of defense, has blatantly violated the laws of war. On Nov. 28, The Washington Post reported that Hegseth issued a verbal order to “kill everybody” the day that the United States launched its military campaign against suspected drug traffickers.

According to The Post, the first strike on the targeted speedboat left two people alive in the water. The commander of the operation then ordered a second strike to kill the shipwrecked survivors, apparently — according to The Post — “because they could theoretically call other traffickers to retrieve them and their cargo.” If that reporting is correct, then we have clear evidence of unequivocal war crimes — a no quarter order and a strike on the incapacitated crew of a burning boat.

And if it’s true, those war crimes are the fault not of hotheaded recruits who are fighting for their lives in the terrifying fog and fury of ground combat but rather of two of the highest-ranking people in the American government, Hegseth and Adm. Frank M. Bradley, the head of Special Operations Command — the man the administration has identified as the person who gave the order for the second strike.

My colleagues in the newsroom followed on Monday with a report of their own, one that largely mirrored The Post’s reporting, though it presented more evidence of Hegseth’s and Bradley’s potential defenses. Hegseth, our sources said, did not order the second strike, and the second strike might have been designed to sink the boat, not kill survivors.

But if that’s the explanation, why wasn’t the full video released? The administration released limited video footage of the first strike, which created the impression of the instant, total destruction of the boat and its inhabitants. Now we know there was much more to see.

At the same time, Hegseth and the Pentagon have offered a series of puzzling and contradictory statements. Sean Parnell, the Pentagon spokesman, told The Post that its “entire narrative was false.”

Hegseth weighed in with a classic version of what you might call a nondenial denial. In a social media post, he said the Post report was “fabricated, inflammatory, and derogatory,” but rather than explain what actually happened (and make no mistake, he knows exactly what happened), he followed up with an extraordinary paragraph:

As we’ve said from the beginning, and in every statement, these highly effective strikes are specifically intended to be “lethal, kinetic strikes.” The declared intent is to stop lethal drugs, destroy narco-boats, and kill the narco-terrorists who are poisoning the American people. Every trafficker we kill is affiliated with a Designated Terrorist Organization.

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https://static01.nyt.com/images/2025/12/06/opinion/04french-newsletter-image/04french-newsletter-image-jumbo.jpg?quality=75&auto=webpIllustration by George Douglas; source photographs by Douglas Sacha and SENEZ/Getty Images

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Click the link below for the complete article:

https://www.nytimes.com/2025/12/04/opinion/hegseth-trump-venezuela-laws-war.html

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Investigators Think They’ve Solved the Mystery of the Baltimore Bridge Crash

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A tiny, misplaced label on the ship that hit the Francis Scott Key Bridge in Baltimore in 2024 may have caused the catastrophic crash that killed six people, U.S. officials revealed on Tuesday.

The Dali hit the bridge after a series of electrical blackouts and system failures that led to loss of propulsion and steering control in the early hours of March 26, 2024. The strike caused the structure to collapse into the water below.

Investigators at the National Transportation Safety Board (NTSB) have reported that a small label wrapped around a critical wire that was plugged into one of the many terminal boxes on the cargo ship had, over the course of years, caused the wire to come loose, tripping a breaker and causing the initial power outage on the ship.

“This tragedy should have never occurred,” said Jennifer Homendy, chair of the NTSB, said at a board meeting on Tuesday, according to the New York Times.

The report also found that the Dali’s crew had responded appropriately to the emergency. Because of the ship’s size and uncontrollable drifting, however, the crew’s actions to try to prevent the crash were ultimately futile.

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https://static.scientificamerican.com/dam/m/7539d15a3297ce00/webimage-baltimore-bridge.png?m=1763567054.024&w=900Jerry Jackson/Baltimore Sun/Tribune News Service via Getty Images

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Click the link below for the complete article:

https://www.scientificamerican.com/article/investigators-think-theyve-solved-the-mystery-of-the-baltimore-bridge-crash/

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Suspicious Link in Your Inbox? Here’s How to Tell If It’s a Scam

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‘Tis the season to be wary. You can blame a glitch in the North Pole’s AI or a stocking full of data breaches, but this holiday season, our inboxes are getting stuffed with more phishing emails and texts more often than ever before. Scammers are getting smarter, too. Not only are they crafting more suspicious links, but they’re making their schemes harder to call out than ever. Putting a stop to these digital Grinches is a full-time job all its own. According to the the FBI’s Internet Crime Complaint Center, phishing and spoofing scams stole more than $70 million in holiday joy (and funds) in 2024.

Unfortunately, these criminals are good at what they do. Several scammy links do actually include standard “https” encryption and domains similar to legitimate websites in order to trick everyday people. 

If you unwrap a scam link, you risk more than just a lump of coal. You could suffer major financial loss, hand over your credit card details to a “Secret Santa” you definitely don’t know, or accidentally download malware that freezes your device faster than a winter storm. Here’s how you can freeze scammers in their tracks this holiday season and protect yourself. 

How to identify scam links

Scam links are regularly found in phishing emails, text messages or other communications sent by cybercriminals. They’re designed to fool you into downloading malware or bringing you to a fake website to steal your personal identifying information. Some examples of popular phishing scams include unpaid toll, gold bar, and employment scams. 

Criminals typically send these links out en masse — often aided by artificial intelligence. Enough people fall victim to phishing scams every year that con artists find it worth their while to follow the same playbook.

Here’s how to avoid taking the bait.

Check the URL

“Smartphones do their best to block scam links, so attackers use tricks to make their links clickable,” said Joshua McKenty, CEO of Polyguard.ai, a cybersecurity company that helps businesses protect mobile phones and call centers from AI-driven phishing scams.

For example, you’ll want to watch for an “@” sign in the URL, or you might have two different URLs “glued together” by a question mark, he added. Especially if the first URL is a Google.com or an Apple.com link.

Dave Meister, a cybersecurity spokesman for global cybersecurity company Check Point, added that you may be able to hover over the URL to reveal the actual destination. People should also look out for “typo-squatting,” when the URL looks authentic, but it has “PayPa1” instead of “PayPal.” That should tip you off that it’s a bad link.

Remember the URLs you frequently visit

It would behoove everyone to pay attention to the URLs they visit often.

“Major brands, especially banks and retailers, don’t often change up their domain names,” McKenty said. “If the link says Chase.com, it’s likely safe. If it says, Chase-Banking-App.com, stay away.”

Be suspicious of short links

Short links are often in texts and on social media. “Sadly, there’s no safe way to check a shortened URL,” McKenty said. He recommended not clicking on them.

“Bit.ly” or “shorturl” links often have standard “https://” encryption, which makes them appear trustworthy. In these cases, it’s best to read the message itself and pay attention to any threatening language or pressure to act immediately to identify the scam.

How are scam links sent to victims? 

Text scams

Ironically, these don’t always rely on website links. In fact, phone numbers are a frequent vehicle used in scammers’ phishing attempts, according to McKenty. 

“People get tricked into clicking a phone number that’s not actually their bank or the IRS, and then surrendering identity information on the phone,” he said.

If you think you got a message from a scammer, as tempting as it is to mess with them, do your best to resist. If you interact with the scammer, they may want to circle back, knowing that you’re reachable. 

Email scams

Emails can also have scam links.

McKenty said that while clicking on phone numbers and links in texts is happening more frequently, “the biggest dollar losses are still the classic email scams.”

He suggests copying any link you see into a notes app so that you can properly inspect it before clicking.

QR code scams

Sometimes, scams can even be embedded into a QR code.

“QR codes have become the new stealth weapon, used everywhere from restaurant menus to parking meters,” said Meister.

“Scammers are known to slap fake codes on top of real ones in public, or embed them in phishing emails, linking to cloned websites or malware downloads,” he said.

Before you scan, make sure the QR code makes sense. If it’s on the side of a gas pump, on a random park bench or in an unrecognized email, it’s better to avoid it.

Social media direct messages

Chances are, you’ve run into these scam links. Sometimes social media accounts get compromised by cybercriminals posing as people you know. 

If your “uncle” sends you a direct message while sounding like a pushy timeshare salesman, telling you to check out this investment opportunity by clicking on a link, call your uncle first.

What if I already clicked a link?

If you clicked on a scam link, a number of things could happen. If you have software protecting your device, the firewall probably blocked it. If you don’t have software protecting you from computer viruses and malware, then you might have a problem.

Try these tips if you think you might’ve clicked on a phishing link:

  • Get anti-virus software.

  • If you don’t already have anti-virus software that can help rid your laptop or desktop of viruses, you should get one. There are plenty of free and paid options to choose from

  • Be aware of malware. Your phone isn’t immune to malware. Scam links are often designed to trick somebody into downloading malware, which can then give the scammer access to your phone. If your phone is infected with malware, do not access any financial apps. Instead, clear your browser cache, remove any apps you don’t recognize, or try a factory reset. If you’re really stuck, you could also call your phone’s tech support. Your phone might be slow or unresponsive, and you may see increased pop-up ads if it’s infected.

  • Contact your bank or credit card issuer.

  • If you’ve been visiting your bank website or app on a compromised device, to be safe, let your financial institution know.

  • Contact the authorities. If you clicked on a spam link and were scammed out of money, report it to the Federal Trade Commission so they can spread the word about the scam. You’ll also want to call your police department and anyone else you can think of. The more people are aware of a scam, the less likely they’ll fall for it.

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https://www.cnet.com/a/img/resize/7ad1353e733354215c9b986bc268ccedde95e3f0/hub/2020/08/31/d4c62de8-87e4-42dc-b807-36b60a2a9d11/gettyimages-1024775444.jpg?auto=webp&fit=crop&height=675&width=1200

You should never be clicking unexpected links sent to you via text.  Getty/Karl Tapales

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Click the link below for the complete article:

https://www.cnet.com/tech/services-and-software/suspicious-link-in-your-inbox-heres-how-to-tell-if-its-a-scam/

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Trump Administration Live Updates: Grand Jury Declines to Reindict James

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  • James indictment: A grand jury declined to reindict Letitia James, New York’s attorney general, rejecting efforts to revive a criminal case that had been sought by President Trump, according to people familiar with the matter. The unsuccessful attempt to revive the case against Ms. James does not necessarily end the administration’s efforts to put her on trial. Read more ›

  • Boat attack video: Top military officers showed senior members of Congress video of a Sept. 2 attack on a boat suspected of carrying drugs, and defended the follow-up strike that killed two survivors. Lawmakers left the closed-door meetings with starkly different conclusions: Democrats said the video deepened their concerns about the legality of the Trump administration’s military campaign, while several Republicans said they were satisfied it was lawful. Read more ›

  • Pipe bomb inquiry: A Virginia man was charged with placing two pipe bombs outside the headquarters of both Democratic and Republican headquarters buildings on the night before the Jan. 6, 2021, riot at the Capitol. Attorney General Pam Bondi and Kash Patel, the F.B.I. director, did not offer a motive, and falsely accused the Biden administration of allowing the investigation to languish. Read more ›

Trump switches architects for his White House ballroom project.

President Trump has hired a new architecture firm to oversee the design of his new ballroom, the White House said on Thursday, a move that comes after he had multiple disagreements with his original designer.

The president chose Shalom Baranes Associates, a Washington, D.C.-based firm that has designed other government buildings, to oversee the next phase of the project, a White House spokesman, Davis R. Ingle,​ said in a statement. He added that the firm would join​ “a team of experts to carry out President Trump’s vision on building what will be the greatest addition to the White House since the Oval Offic​e.”

Tim Walz calls Trump’s tirade against Somalis in Minnesota ‘vile.’

Gov. Tim Walz of Minnesota on Thursday called President Trump’s recent tirades against Somalis in the state “vile,” warning that xenophobic rhetoric could lead to bloodshed.

“This creates danger,” Mr. Walz, a Democrat, told reporters during a news conference. “We know how these things go, they start with taunts, they turn to violence.”

The Trump administration cuts the length of work permits for asylum seekers and refugees.

The Trump administration said it would reduce how long work permits are valid for refugees and asylum seekers, intensifying a sweeping crackdown on legal immigration after an Afghan national was charged with the shooting of two National Guard members in Washington.

The federal government will now require some migrants to renew their work permits every 18 months instead of every five years, according to a statement from U.S. Citizenship and Immigration Services on Thursday. The agency said the change would help it screen and vet migrants more often, allowing it to identify people with “potentially harmful intent so they can be processed for removal.”

The Supreme Court clears the way for Republican-friendly Texas voting maps.

The Supreme Court cleared the way on Thursday for Texas lawmakers to use newly redrawn congressional maps favoring Republicans in the 2026 midterm elections.

The decision overturns, at least for now, a lower-court ruling that the new maps were likely an unconstitutional racial gerrymander. That decision had blocked lawmakers from using the maps in the midterms.

Grand jury is said to decline to re-indict Letitia James, New York State’s attorney general.

A grand jury in Norfolk, Va., declined on Thursday to re-indict Letitia James, New York’s attorney general, rejecting efforts to revive a criminal case that had been sought by President Trump, according to people familiar with the matter.

The unsuccessful attempt to revive the case against Ms. James does not necessarily end the administration’s efforts to put her on trial, even after a federal judge dismissed an earlier indictment last month in ruling that the prosecutor who brought the case was unlawfully appointed by Mr. Trump and Attorney General Pam Bondi.

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https://static01.nyt.com/images/2025/12/04/multimedia/04trump-news-header6p-cbhf/04trump-news-header6p-cbhf-jumbo.jpg?quality=75&auto=webpLetitia James, the New York attorney general, outside a courthouse in Norfolk, Va., in October.Credit…Allison Robbert for The New York Times

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Click the link below for the complete article:

https://www.nytimes.com/live/2025/12/04/us/trump-news

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The Final Countdown to Retire Early in 2026: A Monthly Guide

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Editor’s note: Retire Early in 2026 is part of a series on how to retire early and the FIRE (Financial Independence, Retire Early) movement. Part one is How to Retire Early in Six Steps.

It’s said that waiting for the right moment is just procrastination in disguise. So, what if 2026 is the year you finally prepare for early retirement and start living it by December 31?

Retiring before 62, or even by 55, is an exciting but daunting goal, as many traditional benefits aren’t yet available to you. How do you access retirement accounts without penalties? Will you have enough income without Social Security? What’s your plan for health coverage?

Retire early in 2026 (or at least by year’s end)

There’s no Goldilocks moment in this story. You have to trust the work you’ve already done — whether it’s saving half your income, living modestly, or building multiple streams of income. As self-help author Napoleon Hill put it: “Don’t wait. The time will never be just right.”

If you’re done waiting but aren’t sure what the final steps are, this monthly early retirement checklist is for you. By December 31, 2026, you can ceremoniously update your LinkedIn profile headline to include one very satisfying word: “former.”

January: review your retirement readiness

Since this year’s resolution is greater than dropping a few pounds, there’s no time to waste. Brett Spencer, CFP® and founder of Impact Financial, advises, “Retirement planning can be overwhelming, especially dealing with the nuances of early retirement. Just like a new year’s workout program, getting started is key.”

Here’s what to tackle first so your goal doesn’t collect dust like an unused gym membership.

Assess your target: How much do you need? The Rule of 25 is a simple formula: multiply your estimated annual retirement expenses by 25. This provides a target number that could allow you to withdraw 4% annually while preserving your nest egg. For greater accuracy, try our retirement calculator.

Build a budget: Include essentials like housing and food, as well as fun stuff like travel. Recognizing many high-income workers in the FIRE (financial independence, retire early) movement, WorthPointe partner and CFP® John Chapman says, “High earners may not need to budget while working, but in early retirement, it’s a must.”

Get a plan and run projections: A financial adviser can stress-test your plan for worst-case scenarios, ensuring your money outlasts you — not the other way around.

February: build a healthcare plan

Instead of your sweetheart, focus on your own heart this year — literally. Medicare doesn’t kick in until 65, so healthcare is often a major planning hurdle for early retirees.

Explore options: Look into COBRA, ACA marketplace plans or joining a spouse’s plan. Among these, enrolling in a spouse’s plan often proves most cost-effective, providing a bridge to Medicare eligibility. Chapman notes, “Premiums depend on income, so understanding coverage is critical.” Remember that you can also use funds in a health savings account (HSA) when you retire.

Schedule checkups: Knock out physicals, dental visits and specialist appointments while you’ve got coverage.

March: organize your financial accounts

Madness is for basketball, not your finances. This month, simplify.

Consider consolidating accounts: It may make sense to combine investment and retirement accounts for easier management. Make sure you know which financial and tax documents to keep and how to store them safely.

Pay off high-interest debt: “Eliminating debt, including your mortgage, lowers fixed costs and adds peace of mind,” Chapman says. Try some of our tips for how to pay off credit card debt.

Build cash reserves: Save 6-12 months of expenses in a high-yield savings account or money market account. “Since early retirees may not access retirement accounts without penalties, it’s important to hold at least a year’s worth of expenses in cash reserves,” Chapman adds. “Also, build up significant non-retirement investments to fund spending before tapping into retirement accounts.”

April: maximize tax opportunities

This is the rare year when tax season brings joy. Spencer says, “Beyond filing, it’s a great time to take advantage of any tax benefits and plan for the year ahead.”

Boost retirement accounts: For instance, you can max out 2025 IRA contributions by April 15, 2026. Spencer also recommends “maximizing 401(k) contributions and considering contributing to an HSA or FSA for additional tax deductions.”

Consider Roth conversions: “Once you retire early, your taxable income may drop significantly,” Chapman says. This creates a great opportunity for Roth conversions — transferring funds from pre-tax (“traditional”) IRAs or 401(k)s to Roth IRAs at potentially lower tax rates. He suggests consulting a tax adviser to determine the right amount to convert without triggering unintended tax consequences.

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https://cdn.mos.cms.futurecdn.net/DV3F9RdPLv4QBDEUKSGB6B-1024-80.jpg.webp(Image credit: Getty Images)

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Click the link below for the complete article:

https://www.kiplinger.com/retirement/retire-early-this-year-is-this-the-year-you-take-the-leap

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Republican Anger Erupts at Johnson as Party Frets About Future

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Representative Elise Stefanik of New York called Speaker Mike Johnson a habitual liar.

Representative Nancy Mace of South Carolina has told people she is so frustrated with the Louisiana Republican and sick of the way he has run the House — particularly how women are treated there — that she is planning to huddle with Representative Marjorie Taylor Greene of Georgia next week to discuss following her lead and retiring early from Congress.

Representative Anna Paulina Luna of Florida has gone around Mr. Johnson in a bid to force a vote he has declined to schedule on a bill to ban members of Congress from stock trading.

Less than a year out from midterm elections in which Republicans’ vanishingly small majority is at stake, Mr. Johnson’s grasp on his gavel appears weaker than ever, as members from all corners of his conference openly complain about his leadership. Some predict that he may not last as the speaker for the rest of this term.

Republican women, in particular, have been publicly challenging Mr. Johnson and taking issue with his priorities and his style.

Their dissatisfaction is indicative of a broader splintering of a restive group of G.O.P. lawmakers who are perpetually unhappy with their leaders, but appear to be reaching a breaking point with the current man at the top.

“Rarely have things been completely harmonious in the conference, but it does seem like there is an unusually high level of discontent,” said Representative Kevin Kiley, a California Republican who has been at odds with Mr. Johnson over the redistricting battles that will likely put him out of a job next year.

He added: “The overriding issue is the House has not been at the forefront of driving policymaking, or the agenda in Washington. That is naturally going to be frustrating to members who ran for Congress to make an impact on issues they care about.”

The rifts have opened as Republicans preparing to face voters in next year’s elections are increasingly worried that they have squandered a year in which their party had total control of government.

Many G.O.P. lawmakers are unhappy with the passive role the speaker has played in the redistricting arms race that has spread across the country and upended districts they know how to win. Even more are angry at his decision to send the House home for nearly eight weeks before and during the government shutdown, limiting what they have been able to accomplish. Members in competitive districts are desperate for a vote on extending expiring Affordable Care Act subsidies, which Mr. Johnson is resisting.

Ms. Stefanik told The Wall Street Journal in an interview that Mr. Johnson would not have the support to remain speaker if a vote were held tomorrow, adding that disaffection with him among Republicans was “that widespread.”

Ms. Stefanik declined to speak on the record for this article.

Mr. Johnson declined to comment, as well. But a senior Republican congressional aide, who spoke on the condition of anonymity for fear of prolonging an intraparty feud, said that after Mr. Johnson had provided Ms. Stefanik with office space and a budget for what the aide described as “a fake job and a fake title,” he would have expected her to be more gracious.

(After President Trump asked Ms. Stefanik earlier this year to withdraw as his nominee to serve as ambassador to the United Nations, Mr. Johnson created a new post for her called “chairwoman of House Republican Leadership,” although their relationship had collapsed.)

But Ms. Stefanik is not alone among Republican women in feeling aggrieved by Mr. Johnson. Some of them said privately that the speaker had failed to listen to them or engage in direct conversations on major political and policy issues, suggesting that doing so was a cultural challenge for Mr. Johnson — an evangelical Christian who has often voiced firm views about the distinct roles men and women should play in society.

In a recent podcast interview, for instance, he said that women were not able to compartmentalize their thoughts, and that the member whom he would trust most to cook him Thanksgiving dinner was Representative Lisa McClain of Michigan.

Ms. McClain, the No. 4 Republican, said that the notion of any gender divide in the conference was “an absurd suggestion” that reeked of Democratic bias. Mr. Johnson, she said, “has treated me with nothing less than respect. He values my opinion, not as a woman, but as a trusted colleague.”

But some House Republican women are privately predicting that Mr. Johnson’s speakership will end this term, either as a result of Republicans losing their slim majority before Election Day, or because Mr. Johnson is ousted by his own members, like his predecessor.

“I stand with Elise,” Ms. Mace, who is running for governor in South Carolina, said in a text message on Wednesday morning, a day after Ms. Stefanik’s enmity boiled over into a public feud with Mr. Johnson over a provision she wanted included in the annual defense policy bill.

Ms. Stefanik announced on social media on Wednesday that Mr. Trump had intervened, and that she had prevailed. After a three-way phone call, she said, Mr. Johnson had agreed to include the measure she was demanding that would require disclosure when the F.B.I. opens investigations into political candidates.

That was after she had written on social media that she was receiving “just more lies from the Speaker,” and that Mr. Johnson often falsely claimed to know nothing about an issue. She called it “his preferred tactic to tell Members when he gets caught torpedoing the Republican agenda.”

Some Republicans said the flap was more a personal feud than an institutional problem with Mr. Johnson.

“I’m disappointed that Elise chose this path,” Representative Claudia Tenney, Republican of New York, said in an interview. Ms. Tenney, a close ally of Mr. Johnson’s, said that taking public shots at the speaker was “very unprofessional, and would not be tolerated in any other professional setting.” She suggested that Ms. Stefanik was still bitter over the handling of her cabinet nomination.

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https://static01.nyt.com/images/2025/12/03/multimedia/03dc-repubs-fjch/03dc-repubs-fjch-superJumbo.jpg?quality=75&auto=webpTierney L. Cross/The New York Times

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Click the link below for the complete article:

https://www.nytimes.com/2025/12/03/us/politics/republican-women-speaker-johnson.html

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Partisanship Is Poisoning Public Health

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It’s not normal for public health to be so partisan.

The current administration has slashed Centers for Disease Control and Prevention (CDC) programs that protect Americans from cancer, heart disease, stroke, birth defects and workplace harms. It has derailed lifesaving programs created by President George W. Bush that protect children from malaria and prevent the spread of HIV, tuberculosis, and other infectious diseases. The scientist selected by this administration to lead the CDC was fired after less than a month. Most of CDC’s top leaders have been fired or resigned, as have more than one quarter of CDC staff. Health Secretary Robert F. Kennedy, Jr., replaced the advisory group that issues vaccine guidance with people who know little about vaccines and have made recommendations that don’t reflect evidence. This partisanship is unhealthy, and it’s poisoning our societal immune system.

When public health succeeds, we don’t notice—water, air, and food don’t make us sick, and our kids don’t get hit by cars, start smoking or get preventable infections. But when public health fails, we suffer.

Fewer people are getting COVID shots and other lifesaving vaccines, government is slower to respond to outbreaks, and smokers have a harder time quitting because of cuts to the quit-smoking hotlines and antismoking campaigns. More dangerous damage will be less visible: ending systems that track risks to mothers and infants and other systems that track and stop health risks. When we can’t find threats as fast or respond as rapidly, the next health disaster is likely to be more deadly than it would otherwise be.

Scientists, health professionals, community leaders and all who care about facts and fairness must protect what keeps us safe, patch what’s broken and lay the groundwork for faster, more effective health and public health systems.

To do this, we must first stop the bleeding, starting with the disease of disinformation. Distrust drives avoidable illness and death; a real-time “health beacon” could counter today’s firehose of falsehoods. Artificial intelligence can detect emerging rumors and draft initial responses for specialist review; experts can curate evidence-based, nonpartisan, verifiable responses that pre-bunk predictable myths and debunk new viral claims. Fact-based messages—shared through short, engaging videos and trusted channels—can help truth move as fast as falsehood.

One particularly urgent area is vaccines. Misinformation profiteers spread the false claim that vaccines cause autism, sell unproven “detox” therapies and undermine trust. Secretary Kennedy’s team seeks to make autism compensable under vaccine-injury rules, turning diagnoses into groundless lawsuits while draining resources from real causes and care. Scientists, clinicians and informed citizens should challenge false claims publicly, support credible sources of evidence and press policy makers to base decisions on facts.

Only the national government can coordinate disease surveillance across borders, fund specialized laboratories, safeguard vaccine safety, manage stockpiles and emergency response, and support health departments nationwide. All of us should demand that Congress—and hope that the courts—halt staff and program cuts that Congress didn’t approve and restore essential protections that keep people safe. Congress must also require HHS to spend and account for the funds it has authorized.

But when the federal system falters, others must protect people from avoidable harm. States, cities and professional societies can’t replace national capacity, but they can keep essential protections from collapsing. The newly launched Northeast Health Collaborative, linking 10 states and cities, shares data, laboratory resources and outbreak expertise to preserve core functions and test practical innovations. Northwestern states are also organizing, and a nationwide 15-state network now coordinates responses to emerging threats.

Professional societies can also fill gaps. When official COVID-19 vaccine guidance weakened, the American Academy of Pediatrics, the American College of Obstetricians and Gynecologists and the American Academy of Family Physicians issued clear, evidence-based recommendations for children, pregnant women and adults. Other organizations must follow.

Universities and state governments must step up to preserve and gather data. CDC and other health datasets should be preserved; ongoing data collection should continue through states, universities and researchers. Without data, we can’t see risks and progress, fix failures and defend successes.

We must build a system that works faster and operates transparently. The 7-1-7 target—find disease outbreaks within seven days, report them within one and mount essential control measures within seven more—is one such system and shows what faster response can achieve. Developed by my organization and used in nearly 50 countries, the approach sets measurable goals that accelerate progress and strengthen accountability. In Uganda, during a recent cholera outbreak near a border area, disease detectives met 7-1-7 targets, showing that faster action can stop outbreaks. In the U.S., few jurisdictions measure response speed—and those that do often find they fall short but improve once they track results. When every outbreak becomes a way to improve, systems improve more quickly, and the openness of results builds confidence—both among the public and among those who decide how to fund health protection systems.

Results build trust. When air quality improves and asthma attacks drop, people notice. When contaminated water is cleaned, communities feel safer. When outbreaks are stopped early, confidence grows.We must stop partisanship from interfering with the basic systems that keep us safe. Every year we fail to strengthen our health defenses, lives are lost and costs rise. Every month we allow distrust to spread, the next outbreak gets harder to stop.

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https://static.scientificamerican.com/dam/m/dc8728a9b933a6/original/GettyImages-1306302354-copy.jpeg?m=1763755053.006&w=900Monty Rakusen/Getty Images

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Click the link below for the complete article:

https://www.scientificamerican.com/article/partisanship-is-poisoning-public-health/

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Trump struggles with Venezuelan dilemma as Maduro digs in and storm builds at home over potential ‘war crime’

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President Donald Trump’s Venezuela regime change adventure is in danger of degenerating into a strategic, political and legal morass.

Trump gathered top national security officials and aides at an Oval Office meeting Monday evening, seeking to define next steps in a showdown now slipping out of his control, both inside the impoverished oil-rich nation and in Washington.

Before the talks, President Nicolás Maduro, the Venezuelan dictator, defiantly danced before a huge crowd of supporters in Caracas in a Trump-style open-air rally, shattering previous rumors he’d bowed to US calls to leave the country. “We do not want peace of slaves, nor do we want peace of colonies,” Maduro said.

The thin domestic political underpinnings of Trump’s campaign are growing more fragile as the White House fails to quell a growing controversy over a follow-up US strike that reportedly killed surviving crew members of an alleged drugs trafficking boat in the Caribbean. Trump’s Democratic critics on Capitol Hill are warning of a potential war crime. And several powerful Republicans are shaken and are signaling a rare willingness to rigorously investigate the administration.

The US standoff with Venezuela is now beginning to consume Washington after more than four months of escalating political, economic, and military pressure, epitomized by the hulking presence of the world’s largest aircraft carrier, the USS Gerald. R. Ford and an armada of US ships in the waters off Venezuela.

There is increasing scrutiny of Defense Secretary Pete Hegseth’s role in the boat strikes. The former Fox News anchor was a controversial pick to run the Pentagon, and his lack of experience, abrasive manner, and rejection of some the military’s ethical and legal safeguards is threatening to make him a political burden for the president as Democrats demand his resignation.

But more broadly, Maduro’s defiance is presenting Trump, Hegseth, the Chairman of the Joint Chiefs of Staff Dan Caine, Secretary of State Marco Rubio, and other top officials expected at the Oval Office meeting with a deepening strategic dilemma.

Trump is talking a big game.

On Thursday, he threatened attacks on drug cartel targets on land in Venezuela would begin “very soon.” He declared on Saturday the country’s airspace should be considered closed. But Maduro went nowhere. The US president — who has been sensitive in the past to any suggestion he “chickens out” after making threats — must now consider whether his saber rattling is beginning to lack credibility without a demonstration of military force that would draw him into an overseas conflict.

Maduro defying US ‘options’ to leave

Washington hopes that its military build-up so rattles Maduro that he accepts exile overseas or that inner circle generals topple him. Trump confirmed Sunday he spoke to Maduro by phone recently — but the Venezuelan strongman stayed put. Venezuelan opposition politician David Smolansky told Jim Sciutto on “The Brief” on CNN International Monday that Maduro had previously been given “options” by the United States to leave the country.

But the failure of the regime to crack so far will test Trump’s willingness to live up to his threat to do things the “hard way” as Maduro characteristically drags out negotiations and crises to weaken the will of his adversaries.

Maduro’s obduracy also raises the question of whether any level of US pressure short of military action would begin to fray his regime. One possibility is that the administration underestimated the staying power of the Maduro power base — a regular failing for US governments over the years that hoped to see the collapse of totalitarian rivals in enemy nations. Maduro will be hoping that Trump loses patience, starts looking for culprits in his inner circle and seeks his own way out.

If the president does pick military action, the idea of a full-scale invasion of Venezuela still seems unthinkable. So, does he have options that would so rattle Maduro’s security that it could change the political equation in Caracas? Or would attacks on alleged drugs trafficking sites or military bases embolden Maduro, unify public opinion around him, and make him believe he can tough it out?

The choices facing Trump are especially stark because a largely peaceful ouster of Maduro that delivered freedom to millions of Venezuelans after two decades of dictatorial rule and a restored democracy would be a foreign policy triumph. It would also send a message of US power and intent to other US foes in the region, including Cuba, and show China and Russia, which try to create regional influence and disruption, that Trump rules his geopolitical backyard. A successful Venezuela strategy could confound establishment foreign policy critics just as Trump did by bombing Iran’s nuclear plants earlier this year, a gamble that was more successful and triggered fewer dangerous consequences than many experts had feared.

But if Maduro survives the US troop buildup and intense pressure, he’d deliver a devastating statement of his own to Trump. The president’s authority would ebb. Autocrats in Beijing and Moscow, who he loves to impress, would take note. Presidents who recall aircraft carrier battlegroups from Europe and station them off Latin America amid belligerent rhetoric tend to create such credibility tests for themselves.

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Click the link below for the complete article:

https://edition.cnn.com/2025/12/02/politics/trump-venezuelan-dilemma-boat-strike-maduro

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