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Scientists change how El Nino is labeled to keep up with spike in temperature

WASHINGTON (AP) — The natural El Nino cycle, which warps weather worldwide, is both adding to and shaped by a warming world, meteorologists said.

A new study calculated that an unusual recent twist in the warming and cooling cycle that includes El Nino and its counterpart La Nina can help explain the scientific mystery of why Earth’s already rising temperature spiked to a new level over the past three years.

Separately, scientists have had to update how they label El Nino and La Nina because of rapid weather changes cause by global warming. Increasingly hot waters globally have caused the U.S. National Oceanic and Atmospheric Administration this month to alter how it calculates when the weather pattern has flipped into a new cycle. It’s likely to mean that more events will be considered La Nina and fewer qualify as an El Nino for warming tropical waters.

Earth’s average monthly temperature took a noticeable jump up from the long-term upward trend connected to human-caused climate change in early 2023, and that increase continued through 2025. Scientists have many theories about what’s happening, including an acceleration of greenhouse gas warming, a reduction in particle pollution from ships, an underwater volcano eruption and increased solar output.

In a new study in Nature Geoscience this month, Japanese researchers look at how the difference in energy coming to and leaving the planet — called Earth’s energy imbalance — increased in 2022. An increased imbalance, or more trapped heat, then leads to warmer temperatures, scientists said. The researchers calculate that about three-quarters of the change in Earth’s energy imbalance can be attributed to the combination of long-term human-caused climate change and a shift from a three-year cooling La Nina cycle to a warm El Nino one.

What’s El Nino vs. La Nina

El Nino is a cyclical and natural warming of patches of the equatorial Pacific that then alters the world’s weather patterns, while La Nina is marked by cooler than average waters.

Both shift precipitation and temperature patterns, but in different ways. El Ninos tend to increase global temperatures and La Ninas depress the long-term rise.

La Ninas tend to cause more damage in the United States because of increased hurricane activity and drought, studies have shown.

Why weather cycles switch from warm to cool

From 2020 to 2023, Earth had an unusual “triple dip” La Nina without an El Nino in between. In a La Nina, warm water sticks to a deeper depth, resulting in a cooler surface. And that reduces how much energy goes out into space, said study co-author Yu Kosaka, a climate scientist at the University of Tokyo.

She compared it to what happens when people have fevers.

“If our body’s temperature is high then it tends to emit its energy out, and the Earth has the same situation happening. And as the temperatures increase, it acts to emit more energy outward. And for three-year La Nina, it’s opposite,” Kosaka said.

So more energy — which becomes heat — is trapped on Earth, she said. La Ninas more typically correspond to a one- or two-year buildup of extra energy imbalance, but this time it was longer so the difference was more noticeable and included hotter temperatures, Kosaka said.

“When there is a transition from La Nina to El Nino, it’s like the lid is popped off,” releasing the heat, explained former NOAA meteorologist Tom Di Liberto, who’s now with Climate Central.

About 23% of the energy imbalance driving the recent higher temperatures comes from this unusually long La Nina pattern, with slightly more than half coming from gases from the burning of coal, oil and gas, the study authors said. The rest can be other factors.

Scientist Jennifer Francis of the Woodwell Climate Research Center, which wasn’t involved in the study, said the research makes sense and explains an increase in energy imbalance that some scientists were attributing to accelerated warming.

Changing how El Ninos and La Ninas are labeled

For 75 years when meteorologists calculated El Ninos and La Ninas, it was based on the difference in temperature in three tropical Pacific regions compared to normal. An El Nino was 0.5 degrees Celsius (0.9 degrees Fahrenheit) warmer than normal and La Nina was cooler than normal by the same amount.

The trouble in a warming world is what’s considered normal keeps shifting.

Until now, NOAA used the 30-year average as normal. It updated the 30-year average every decade, which is how often it updates most climate and weather measurements. Then the water warmed so much for El Ninos and La Ninas that NOAA updated its definition of normal every five years, but that wasn’t enough either, said Nat Johnson, a meteorologist at NOAA’s Geophysical Fluid Dynamics Lab.

So NOAA came up with an El Nino index that’s relative, starting this month. This new index compares temperatures to the rest of Earth’s tropics. Recently that difference between the old and new methods has been as much as half a degree Celsius (0.9 degrees Fahrenheit), and “that’s enough to have an impact,” Johnson said.

That’s because what really matters with El Ninos and La Ninas is the way the waters interact with the atmosphere. And recently the interactions didn’t match the old labeling, but they do match the new method, Johnson said.

This will likely mean a bit more La Ninas and fewer El Ninos than in the old system, Johnson said.

Here comes another El Nino

NOAA’s forecast is for an El Nino to develop later this year in the late summer or fall. If it comes early enough, it could dampen Atlantic hurricane activity. But it would also mean warmer global temperatures in 2027.

“When El Nino develops, we’re likely to set a new global temperature record,” Woodwell’s Francis said in an email. “’Normal’ was left in the dust decades ago. And with this much heat in the system, everyone should buckle up for the extreme weather it will fuel.”

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The Associated Press’ climate and environmental coverage receives financial support from multiple private foundations. AP is solely responsible for all content. Find AP’s standards for working with philanthropies, a list of supporters and funded coverage areas at AP.org.

Twins ace Pablo López is set for season-ending Tommy John elbow surgery as expected

FORT MYERS, Fla. (AP) — Minnesota right-hander Pablo López will have season-ending Tommy John elbow surgery, expected once the Twins discovered their ace’s torn ulnar collateral ligament.

The team said Friday that López’s surgery will be performed next week in Texas by Rangers team physician Dr. Keith Meister. López turns 30 early next month.

It will be the second Tommy John surgery for López. He had the procedure as a minor leaguer with the Seattle organization and missed the 2014 season.

López ended a bullpen session early during the Twins’ first full-squad workout Monday. First-year manager Derek Shelton said he was hopeful the move was precautionary, but a day later general manager Jeremy Zoll told reporters of the UCL tear.

López was the Twins’ opening-day for the past three years and was planning to pitch for Venezuela in next month’s World Baseball Classic.

López made his major league debut with the Miami Marlins in 2018 and spent five seasons with them, then was traded to the Twins.

He made the All-Star team in his first year with Minnesota and helped the franchise end a record 18-game postseason losing streak for North American professional sports, going 2-0 with an 0.71 ERA in two starts in the 2023 playoffs.

López is making $21.75 million this season and is signed through next year.

A shoulder injury limited him to 14 starts last season after he made 32 in each of three consecutive 10-win seasons, the first in his final season with the Marlins. López was 5-4 with a 2.74 ERA in 2025 and is 59-53 with a 3.81 ERA for his career.

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Melania Trump donates her white and black-trimmed inaugural ball gown to the Smithsonian

WASHINGTON (AP) — Melania Trump said “it’s incredible” to see her white and black-trimmed inaugural ball gown on display at the Smithsonian Institution’s National Museum of American History.

It’s the second inaugural gown she has turned over to the First Ladies Collection at the museum, following the donation of her 2017 gown.

On Friday, Melania Trump continued the long-standing tradition of first ladies donating their inaugural gowns when she handed over the strapless white and black-trimmed sheath and a black neckpiece adorned with a reproduction of a Harry Winston diamond brooch she wore on the night of Jan. 20, 2025. The ensemble was on display on a mannequin on stage.

She gave brief remarks about the gown, its meaning and her love of fashion design, and described it as more than a dress.

“This is more than 50 years of education, experience, and wisdom realized with each thread, each stitch, each sharp edge,” she said. “The meticulously formed black shape ‘Z’ on the front bodice summons decades of my early memories, life experiences, and influences. And, all of these stories are tucked deep within its crisp, strong seams — forever.”

The first lady, a former fashion model, said fashion design is another form of creative expression and that the black and white in the gown “sets a mood rich with emotion.”

“This dress speaks with a distinct point of view, a modern silhouette, bold and dignified, and ruthlessly chic,” she said.

After a short program, the mannequin was taken upstairs and added to the first ladies’ exhibit, which features more than two dozen of their gowns. Melania Trump and Herve Pierre, her longtime stylist and the designer of both of her gowns, came to see the gown in its see-through case.

“It’s incredible. It’s a historic moment,” she said when a reporter asked how it felt to see the gown on display. The museum was reopening to the public Friday afternoon.

Reggae the seal uses rubber ducks for daily enrichment training at Boston aquarium

BOSTON (AP) — It looks like pure play: a harbor seal gleefully chasing a rubber duck. But for Reggae at the New England Aquarium in Boston, the toy is part of a training routine meant to keep him learning.

When the 33-year-old Atlantic harbor seal plays fetch with the rubber duck in his habitat built to mimic the region’s rocky shore, he’s practicing memory, problem-solving and focus — skills trainers say are essential to keeping animals in human care mentally and physically engaged.

The routine recently drew attention on social media after the aquarium posted video of Reggae tightly hugging the duck while floating on his belly. In another moment, he sits on a rock with the duck tucked under his flipper, appearing to pat its head.

Rebekah Miller, the aquarium’s manager of the pinniped area overseeing the Atlantic harbor seals and California sea lions, said enrichment is central to the seals’ daily lives.

“He can use his great vision to look around the habitat, find these new items, and he can also use his other senses to kind of explore,” she said. “It’s a great way to challenge our animals. We want to create challenges for them and really allow them to use those problem-solving skills that they have.”

The sessions are designed not just to stimulate the seals cognitively but to strengthen relationships with trainers, with even physical play — manipulating objects with their front flippers or moving a toy through the water — becoming part of that challenge.

On a recent morning, trainer Liz Wait stood at the edge of the exhibit with a silver bucket of fish clipped to her waist, tossing small rewards as Reggae followed cues.

“Target!” she called, pointing to one duck. Reggae swam over and nudged it with his nose. She repeated the cue with another duck.

“Hold it!” she said, placing a rubber duck on his white belly. Reggae lifted his flippers to wrap them around it.

“Are you having fun with your ducks?” she asked as he climbed onto a rock, resting his chin atop one of the toys.

“You want to say, ‘Bye, everybody?’” Wait asked, waving her hand. Reggae hoisted his right flipper in response and returned a salute from his trainer. “Good, Bubba.”

Miller said Reggae appears to be unfazed by all the attention.

“We describe his personality as very mellow. He’s a very easygoing guy, he goes with the flow and he loves attention from people,” she said.

One family waved as Reggae swam toward the glass to retrieve a duck that Wait tossed near them.

“You never expect a seal to hug a rubber ducky,” said 13-year-old Tom Smith of Boston, who was visiting with his mother and younger brother during school vacation week.

The aquarium’s Atlantic harbor seals are among its most recognizable residents, living in a 42,000-gallon outdoor exhibit on the front plaza. The current seals were born at the aquarium to parents that were themselves longtime residents.

Many trace their lineage to Hoover, a harbor seal born in 1971 who was raised by a Maine fisherman after he lost his mother. When it became too expensive for the fisherman’s family to feed him, Hoover was brought to the aquarium, where he later gained national attention for mimicking phrases such as “hello there” and “get out of here” in a gruff New England accent.

Today, seals at the aquarium often live beyond the roughly 25-year lifespan typical in the wild. Several have surpassed 30 and even 40 years, longevity the institution attributes to veterinary care, structured training and daily enrichment.

All truckers and bus drivers will be required to take commercial driver’s license tests in English

All truckers and pass drivers will have to take their commercial driver’s license tests in English as the Trump administration expands its aggressive campaign to improve safety in the industry and get unqualified drivers off the road.

Transportation Secretary Sean Duffy announced the latest effort Friday to ensure that drivers understand English well enough to read road signs and communicate with law enforcement officers. Florida already started administering its tests in English.

Currently, many states allow drivers to take their license tests in other languages even though they are required to demonstrate English proficiency.

The campaign will also now expand to go prevent fraudulent trucking companies from getting into the business while continuing to go after questionable schools and ensure states are complying with all the regulations for handing out commercial licenses.

Earlier this week, the Transportation Department said 557 driving schools should close because they failed to meet basic safety standards. And the department has been aggressively going after states that handed out commercial driver’s licenses to immigrants who shouldn’t have qualified for them ever since a fatal crash in August.

A truck driver who Duffy says wasn’t authorized to be in the U.S. made an illegal U-turn and caused a crash in Florida that killed three people. Other fatal crashes since then, including one in Indiana that killed four earlier this month, have only heightened concerns.

Duffy said that the registration system and requirements for trucking companies will be strengthened while Federal Motor Carrier Safety Administration inspectors conduct more spot checks of trucks and commercial driver’s license schools.

Currently, companies only have to pay a few hundred dollars and show proof of insurance to get registered to operate, and then they might not be audited until a year or more later.

That has made it easy for fraudulent companies that are known in the industry as chameleon carriers to register multiple times under different names and then simply switch names and registration numbers to avoid any consequences after crashes or other violations.

Officials are also trying to make sure that the electronic logging devices drivers use are accurate, and that states are following all the regulations to ensure drivers are qualified to get commercial licenses.

House Speaker Mike Johnson denies request for Rev. Jesse Jackson to lie in honor in US Capitol

WASHINGTON (AP) — The late Rev. Jesse Jackson will not lie in honor in the United States Capitol Rotunda after a request for the commemoration was denied by the House Speaker Mike Johnson’s office due to past precedent.

Johnson’s office said it received a request from the family to have Jackson’s remains lie in honor at the Capitol, but the request was denied, because of the precedent that the space is typically reserved for former presidents, the military and select officials.

The civil rights leader died this week at the age of 84. The family and some House Democrats had filed a request for Jackson to be honored at the U.S. Capitol.

Amid the country’s political divisions, there have been flare ups over who is memorialized at the Capitol with a service to lie in state, or honor, in the Rotunda. During such events, the public is generally allowed to visit the Capitol and pay their respects.

Recent requests had similarly been made, and denied, to honor Charlie Kirk, the slain conservative activist, and former Vice President Dick Cheney.

There is no specific rule about who qualifies for the honor, a decision that is controlled by concurrence from both the House and Senate.

The Jackson family has announced scheduled dates for memorial services beginning next week that will honor the late reverend’s life in Chicago, Washington, D.C. and South Carolina. In a statement, the Jackson family said it had heard from leaders in both South Carolina, Jackson’s native state, and Washington offering for Jackson to be celebrated in both locations. Talks are ongoing with lawmakers about where those proceedings will take place. His final memorial services will be held in Chicago on March 6 and 7.

Typically, the Capitol and its Rotunda have been reserved for the “most eminent citizens,” according to the Architect of the Capitol’s website. It said government and military officials lay in state, while private citizens in honor.

In 2020, Congressman John Lewis, another veteran of the Civil Rights movement, was the first Black lawmaker to lie in state in the Capitol Rotunda after a ceremony honoring his legacy was held outside on the Capitol steps due to pandemic restrictions at the time.

Later that year, then-House Speaker Nancy Pelosi allowed services for Supreme Court Justice Ruth Bader Ginsburg at the Capitol’s Statuary Hall after agreement could not be reached for services in the Capitol’s Rotunda.

It is rare for private citizens to be honored at the Capitol, but there is precedent – most notably Civil Rights icon Rosa Parks, in 2005, and the Reverend Billy Graham, in 2018.

A passionate civil rights leader and globally-minded humanitarian, Jackson’s fiery speeches and dual 1984 and 1988 presidential campaigns transformed American politics for generations. Jackson’s organization, the Rainbow PUSH Coalition, became a hub for progressive organizers across the country.

His unapologetic calls for a progressive economic agenda and more inclusive policies for all racial groups, religions, genders and orientations laid the groundwork for the progressive movement within the Democratic Party.

Jackson also garnered a global reputation as a champion for human rights. He conducted the release of American hostages on multiple continents and argued for greater connections between civil rights movements around the world, most notably as a fierce critic of the policies of Apartheid South Africa.

US judge upholds Friday deadline to restore slavery exhibit on Independence Mall in Philadelphia

PHILADELPHIA (AP) — A federal judge has denied the Trump administration’s request to delay a Friday deadline to restore an exhibit on the history of slavery at Independence Mall in Philadelphia.

The ruling Friday morning came as restoration work begun Thursday resumed at the site of the former President’s House. Senior U.S. District Judge Cynthia M. Rufe had set a 5 p.m. Friday deadline for its completion, and she held to that timeline, even as the administration appeals her decision.

The Interior Department has said in court papers that it planned to replace the exhibit with its own narrative on slavery, as the administration works to remove information that it deems “disparaging” to Americans from federal properties. Rufe said it must work with the city on new material under a longstanding cooperative agreement.

“As this court established, “(t)he government can convey a different message without restraint elsewhere if it so pleases, but it cannot do so to the President’s House until it follows the law and consults with the city,” Rufe, an appointee of Republican President George W. Bush, said in Friday’s opinion.

In its own filing Friday to the 3rd U.S. Circuit Court of Appeals, the Justice Department called her ruling “extraordinary” and “an improper intrusion on the workings of a co-equal branch of government.”

The appeals court asked the city to respond to the request for an emergency stay of Rufe’s order.

One of the panels being rehung Friday morning — titled “History Lost & Found” — details the surprising discovery of artifacts from the building during an archaeological dig in the early 2000s, as work was being done on a new pavilion for the Liberty Bell.

National Park Service employees worked with care on the exhibits, including those on the nine people enslaved by George and Martha Washington in the 1790s, when Philadelphia served as the nation’s capital. The Park Service describes the outdoor exhibit as one “that examines the paradox between slavery and freedom in the founding of the nation.”

The Trump administration abruptly removed the panels in January, leading the city and other advocates to file suit. They had been on display since 2010, the result of years of research and collaboration between the city, the Park Service, historians and other private parties.

Rufe, in denying the federal government’s request for a delay, said that side was unlikely to succeed at trial. And she said the public –- and the city’s reputation — was being harmed with each passing day.

The city, she said, “is responsible for the public trust in the city’s telling of its own history, its own integrity in telling that history, and preventing erasure of that history, particularly in advance of the semiquincentennial.”

Millions of people are expected to visit Philadelphia, the nation’s birthplace, this year for the 250th anniversary of the country’s founding in 1776.

The U.S. Attorney’s Office in Philadelphia, which is representing the administration in court, declined to comment on the restoration work Friday.

Kimberly Gegner, a teacher from Philadelphia, visited the site Friday with some of her 6th- to 9th-grade students. As a Black American, she said, it had pained her to see the history removed. But she was grateful to see it going back up.

“This whole case and what happened here — the taking it down and how Mayor Parker and other Pennsylvanians had to go to court to have it restored — is an excellent case of how the Constitution was applied to win this case for Philadelphia,” she said.

‘Your Rich BFF’ Vivian Tu shares her favorite personal finance tips

NEW YORK (AP) — Are you intimidated by personal finance? Vivian Tu wants to help.

Tu is known for her TikTok account, “Your Rich BFF,” where she makes entertaining videos about personal finance. Topics include how to negotiate your salary and practical tips for dealing with credit card debt. Tu, who refers to herself as “your favorite Wall Street girly,” has 10 million followers on social media and has published two personal finance books.

Tu, born and raised in Baltimore, often connects her interest in personal finance to her upbringing as the daughter of Chinese immigrants. Her parents raised her to be frugal and appreciate money from an early age, but it wasn’t until a few years into her corporate career that she realized she had a passion for the topic.

Tu graduated from the University of Chicago and then began her career as a trader for JPMorgan in New York. After leaving Wall Street, she worked in sales at BuzzFeed for a couple of years. In late 2021, Tu started her TikTok account, which has 2.7 million followers to date. She got the idea because she was always giving personal finance advice to her colleagues.

She also hosts a podcast, “Networth and Chill,” and was recently appointed as chief of financial empowerment for SoFi, a fintech and banking platform. Her most recent book, “Well Endowed,” was published this month.

From avoiding overspending to starting your investing journey, here are some of Tu’s top personal finance tips:

Talk about money with your significant other

Finances are one of the most important conversations to have with your significant other, Tu said. Talking about money as a couple can be intimidating, but it’s important for your future. While many people wait until they are engaged or married to talk about finances, Tu recommends you start as early as possible.

“Start early, start often. I always say you have to talk about money on the first date,” she said.

Tu recommends approaching the conversation with fun questions. One is “If I gave you $100,000 tomorrow to play your dream two-week vacation, what would you do?” If, for example, one person would rather spend the money on an expedition into nature and the other would rather spend it on an expensive resort, this shows a discrepancy in lifestyle preferences.

Conversations about finances can be fun and lead to insightful lessons about your partner’s financial values and goals. But money conversations don’t have to be intense from the beginning; they can evolve as your relationship does.

Avoid overspending

Overspending can stand in the way of saving for an emergency fund or, worse, get you into credit card debt. To avoid this, Tu recommends pausing and asking yourself why you’re making a purchase.

“The most important question to ask yourself before you buy something is: Do I want it or do I want people to know I have it?” Tu said. “There have been multiple instances in my personal life where I have bought stuff to be cool, to prove to someone else that I was cool.”

Tu recommends being intentional with your purchases and avoiding spending just because you feel pressure to belong to a specific social circle.

Buying vs. renting

Often positioned as part of “The American Dream,” home buying has become more expensive, making it an unattainable goal for many. But owning a home isn’t always the best option for everyone, Tu said. Renting can offer more flexibility and affordability.

“Are you okay with maintaining your own HVAC, providing plumbing for toilets if something starts leaking at 2 a.m.?” Tu said. “If not, you’d be better off having your landlord be on the hook for that.”

Many see home owning as an investment towards their future. If you’re renting, you can still invest and put yourself in a good financial position, Tu said. She recommends setting money aside for other investments, building a savings account, and paying down any debt.

When it comes to investing, start small

If you find investing intimidating, there are options that can help you start your journey. Tu recommends using a robo-adviser if you find investing confusing or just want to make it as simple as possible.

“A robo-adviser is the happy medium,” she said. What I love about (robo-advisors) is that anybody who doesn’t understand investing can be investing in 45 minutes. It is better to start today than to start tomorrow, the sooner the better.”

Robo-advisers are automated investment services. They ask you a series of questions about your financial situation and future goals, and then use the data to offer advice and invest for you.

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The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

‘Your Rich BFF’ Vivian Tu shares her favorite personal finance tips

NEW YORK (AP) — Are you intimidated by personal finance? Vivian Tu wants to help.

Tu is known for her TikTok account, “Your Rich BFF,” where she makes entertaining videos about personal finance. Topics include how to negotiate your salary and practical tips for dealing with credit card debt. Tu, who refers to herself as “your favorite Wall Street girly,” has 10 million followers on social media and has published two personal finance books.

Tu, born and raised in Baltimore, often connects her interest in personal finance to her upbringing as the daughter of Chinese immigrants. Her parents raised her to be frugal and appreciate money from an early age, but it wasn’t until a few years into her corporate career that she realized she had a passion for the topic.

Tu graduated from the University of Chicago and then began her career as a trader for JPMorgan in New York. After leaving Wall Street, she worked in sales at BuzzFeed for a couple of years. In late 2021, Tu started her TikTok account, which has 2.7 million followers to date. She got the idea because she was always giving personal finance advice to her colleagues.

She also hosts a podcast, “Networth and Chill,” and was recently appointed as chief of financial empowerment for SoFi, a fintech and banking platform. Her most recent book, “Well Endowed,” was published this month.

From avoiding overspending to starting your investing journey, here are some of Tu’s top personal finance tips:

Talk about money with your significant other

Finances are one of the most important conversations to have with your significant other, Tu said. Talking about money as a couple can be intimidating, but it’s important for your future. While many people wait until they are engaged or married to talk about finances, Tu recommends you start as early as possible.

“Start early, start often. I always say you have to talk about money on the first date,” she said.

Tu recommends approaching the conversation with fun questions. One is “If I gave you $100,000 tomorrow to play your dream two-week vacation, what would you do?” If, for example, one person would rather spend the money on an expedition into nature and the other would rather spend it on an expensive resort, this shows a discrepancy in lifestyle preferences.

Conversations about finances can be fun and lead to insightful lessons about your partner’s financial values and goals. But money conversations don’t have to be intense from the beginning; they can evolve as your relationship does.

Avoid overspending

Overspending can stand in the way of saving for an emergency fund or, worse, get you into credit card debt. To avoid this, Tu recommends pausing and asking yourself why you’re making a purchase.

“The most important question to ask yourself before you buy something is: Do I want it or do I want people to know I have it?” Tu said. “There have been multiple instances in my personal life where I have bought stuff to be cool, to prove to someone else that I was cool.”

Tu recommends being intentional with your purchases and avoiding spending just because you feel pressure to belong to a specific social circle.

Buying vs. renting

Often positioned as part of “The American Dream,” home buying has become more expensive, making it an unattainable goal for many. But owning a home isn’t always the best option for everyone, Tu said. Renting can offer more flexibility and affordability.

“Are you okay with maintaining your own HVAC, providing plumbing for toilets if something starts leaking at 2 a.m.?” Tu said. “If not, you’d be better off having your landlord be on the hook for that.”

Many see home owning as an investment towards their future. If you’re renting, you can still invest and put yourself in a good financial position, Tu said. She recommends setting money aside for other investments, building a savings account, and paying down any debt.

When it comes to investing, start small

If you find investing intimidating, there are options that can help you start your journey. Tu recommends using a robo-adviser if you find investing confusing or just want to make it as simple as possible.

“A robo-adviser is the happy medium,” she said. What I love about (robo-advisors) is that anybody who doesn’t understand investing can be investing in 45 minutes. It is better to start today than to start tomorrow, the sooner the better.”

Robo-advisers are automated investment services. They ask you a series of questions about your financial situation and future goals, and then use the data to offer advice and invest for you.

——

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

Trump’s Board of Peace painted a rosy picture of Gaza’s future. On the ground, there is only despair

GAZA CITY, Gaza Strip (AP) — At the inaugural meeting of his Board of Peace in Washington, President Donald Trump spoke of billions of dollars pledged to rebuild the Gaza Strip and a “new and harmonious” Middle East rising from the ashes of war. Videos aired at the meeting showed a future of gleaming high-rises and new soccer pitches.

There was no sign of such optimism in Gaza, where Palestinians who have spent months or even years in squalid displacement camps or the rubble of their homes hold out little hope for change.

“Since the beginning of the war, we’ve been hearing about conferences and meetings. They say there’s a solution and peace, but it’s all a joke. They’re all liars,” said Faraj Abu Anze, who is among tens of thousands of Palestinians living in a sprawling tent camp on the Mediterranean coast.

“We see nothing of that on the ground. There is no hope. Education and health care are gone. There is no life,” he said.

Pledges but no timeline

Trump announced that member countries of his ambitious board had pledged $7 billion for reconstruction and would send thousands of troops to take part in an International Stabilization Force.

But no timeline was given, and reconstruction has yet to begin.

Israel says Gaza will not be rebuilt until Hamas has laid down its weapons, an aspect of the October ceasefire deal that has emerged as a major sticking point.

The United Nations, the European Union and the World Bank have estimated the price of reconstruction at $70 billion — up to 10 times the amounts pledged Thursday. It could take several years just to clear away massive drifts of rubble laced with unexploded ordnance.

More than 72,000 Palestinians have been killed in the war sparked by Hamas’ Oct. 7, 2023 attack into Israel, according to the Gaza Health Ministry. Part of the Hamas-run government, its statistics are seen as generally reliable by the United Nations and independent experts.

Palestinian militants killed some 1,200 people, mostly civilians, in the initial attack and took another 251 hostage. The ceasefire deal ended major military operations and led to the release of all remaining captives but left major questions about Gaza’s future unanswered.

‘We see nothing’

“There are meetings every day, but we see nothing,” said Ahmad Abu Selme, who has been displaced twice during the war. “There are tents everywhere and people are frustrated. We are tired.”

“I hope a real peace takes place and that we can go back to our homes,” he added. “I know there are no homes anymore, but we still want to return.”

The U.S. hopes to begin reconstruction in Rafah, on Gaza’s border with Egypt. The city was largely destroyed and mostly depopulated during the war, and is now in the half of Gaza that is under full Israeli control.

Ruwayda Dheir, who was among tens of thousands of people displaced from Rafah, has little hope that she or other residents will see any of the pledged money.

“The most important thing is that they put the money where it belongs and give it to the people,” she said. “They’ll say they spent it on infrastructure, but we won’t see it.”

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Associated Press reporter Sally Abou AlJoud in Beirut contributed.