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Free money for eligible newborns: Children born between January 1, 2025, and December 31, 2028, can qualify for a one-time $1,000 federal contribution to a Trump Account.
Different tax benefits: Trump Accounts offer tax-deferred investment growth, while 529 plans generally allow tax-free withdrawals for qualified education expenses.
You don't have to choose just one: Families can maintain both accounts, using them for different financial goals.
Want to give your child or grandchild a financial boost or start the process of saving for college? A new savings option could help you do just that.
Trump Accounts, created under the 2025 federal tax law, are now available to eligible children under 18. And for millions of young Americans, the federal government is offering a flat $1,000 to help start investing.
But here's where things get interesting. For years, 529 college savings plans have been a popular way for families to put money aside for education. Now parents have another tax-advantaged account to consider.
So should you put money into a Trump Account, stick with a 529 plan, or use both? The answer depends largely on what you want the money to accomplish.
What exactly is a Trump Account?
A Trump Account is a special type of traditional individual retirement account (IRA) established for children. Parents or other authorized adults can open one for an eligible child under 18 who has a Social Security number.
The biggest attention-getter is the government's $1,000 contribution. But not every child qualifies for that money.
According to the IRS, the one-time deposit is available to eligible U.S. citizens born from January 1, 2025, through December 31, 2028.
Older children can still qualify for an account, but they don't qualify for that federal $1,000 contribution.
Pro tip: If you have a child born between 2025 and 2028, don't assume the $1,000 automatically arrives. Visit the official Trump Accounts website or use IRS Form 4547 to establish the account and request the federal contribution.
How does a 529 college savings plan compare?
A 529 plan is specifically designed to help families save for education costs. Parents, grandparents, and others can contribute money, choose investments from the plan's available options, and allow the account to grow over time.
The major attraction is the tax advantages.
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More than one in three Gen Z adults lost money to an online scam in the past year, according to new McAfee research.
Gen Z is more likely than the average American to fall for involving fake package deliveries, phony customer support, and AI-generated impersonations.
McAfees Head of Threat Research shares how to spot red flags, verify suspicious requests, and protect your money and personal information.
Gen Z may be comfortable navigating the digital world, but that doesnt mean theyre immune to online .
New findings from McAfee show that more than one in three Gen Z adults lost money to an online scam in the past year. Even more concerning, younger adults are falling for certain at higher rates than the general population, including fake package delivery notifications, phony customer support messages, and AI-generated impersonations.
ConsumerAffairs spoke with Abhishek Karnik, Head of Threat Research at McAfee, who explained which are catching Gen Z off guard, why these schemes can be so convincing, and what consumers can do to protect themselves.
Methodology and key findings
According to McAfee, the research combined a nationally representative survey of 5,000 U.S. adults with McAfee Labs analysis of text-based scam activity.
The findings highlight how frequently Americans encounter online and how these experiences differ for Gen Z adults. More than one in three Gen Z adults reported losing money to an online scam in the past year, and younger adults were more likely than the general population to report financial losses from several specific .
The biggest differences included package delivery , which affected 25% of Gen Z adults compared with 18% of Americans overall; fake customer support , at 24% versus 18%; and AI-generated impersonation , at 20% versus 15%. McAfee also found that Gen Z encountered fake social media profiles, AI-generated images, deepfake-style videos, and fake recruiters at higher rates than the general population.
Technology may make you more susceptible to
So, why is the most tech-savvy generation falling victim to these ? Karnik explained it could be because of how they use their phones.
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Major expansion: Trader Joe's has announced 30 new stores across 16 states, including California, Texas, Florida, and Illinois.
Two opening this week: New locations in Anaheim Hills, California, and West Jordan, Utah, open October 22 and 23.
Want one near you? Trader Joe's actually lets shoppers request a new store in their city through its website.
If you've been wishing that Trader Joe's would open closer to home, you might finally be in luck.
The popular grocery chain is expanding again, with 30 new locations planned across 16 states. Two are opening this week, while the other 28 are listed as "coming soon" on the company's website.
According to Trader Joe's official announcement, the first two grand openings are:
Anaheim Hills, California: October 22 at 9 a.m., 6336 E. Santa Ana Canyon Road
West Jordan, Utah: October 23 at 9 a.m., 5561 W. 7800 South
The company hasn't announced specific opening dates for most of the remaining stores, and some aren't expected to open until 2027.
Complete list of 30 new Trader Joe's locations
Here's the state-by-state breakdown, including the two stores opening this week.
Arizona (2)
Phoenix 4519 E. Thomas Road
Phoenix 21001 N. Tatum Boulevard, Suite 1030
California (4)
Anaheim Hills 6336 E. Santa Ana Canyon Road
Encinitas (Leucadia) 1590 Leucadia Boulevard
Riverbank 2135 Claribel Road
San Diego (Clairemont) 3962 Clairemont Mesa Boulevard
Colorado (1)
Denver 8564 E. Northfield Boulevard
Florida (3)
Boynton Beach 334 N. Congress Avenue, Unit B
Orlando 1444 N. Alafaya Trail
Sarasota 8199 S. Tamiami Trail, Unit 100
Illinois (4)
Chicago 6191 N. Lincoln Avenue
Chicago 804 W. Montrose Avenue
Joliet 2741 Plainfield Road
Oswego 1930 U.S. Highway 34
Maryland (1)
Baltimore 6311 York Road
Massachusetts (1)
Quincy 111 General McConville Way
Michigan (1)
Farmington Hills 27658 Middlebelt Road
Nebraska (1)
Omaha 210 N. 191st Street
New Jersey (2)
Jersey City 55 Hudson Street
West Orange 471 Mt. Pleasant Avenue
New York (2)
Syracuse 3515 W. Genesee Street
Yonkers 2482 Central Park Avenue
Ohio (1)
University Heights 2643 Warrensville Center Road
Oregon (1)
Bend 61284 S. Highway 97
Texas (3)
Bellaire 5130 Bellaire Boulevard, Suite 100
Cedar Park 1800 E. Whitestone Boulevard
Mansfield 1580 E. Debbie Lane
Utah (1)
West Jordan 5561 W.
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A clinical trial found broader changes in inflammation-related proteins and genes when Taltz and Zepbound were used together compared with Taltz alone.
Researchers studied 274 adults with moderate-to-severe plaque psoriasis and obesity or overweight accompanied by another weight-related health condition.
The findings offer new clues about the connection between skin disease, inflammation, and metabolism, but further research is needed to understand their full significance.
Psoriasis is more than a skin condition. It involves the immune system and can cause raised, scaly patches that may be uncomfortable or difficult to manage. For people who also have obesity, treating both conditions may require addressing more than skin symptoms alone.
New research from pharmaceutical company Eli Lilly is exploring how these conditions may be connected and whether treating them together could have additional benefits.
The study examined two medications: Taltz (ixekizumab), a prescription treatment for plaque psoriasis, and Zepbound (tirzepatide), a medication used for weight management. Researchers wanted to better understand how the drugs affect the body's immune and metabolic processes when used together.
The findings were presented at the Fall Clinical Dermatology Conference. They suggest that combining the medications may affect a broader range of biological markers associated with psoriasis, inflammation, and metabolism than using Taltz alone.
"People living with psoriasis and obesity carry a compounded burden that extends beyond what is visible, yet these conditions are too often viewed through separate treatment lenses," Mark Genovese, M.D., senior vice president of Lilly Immunology development, said in a news release.
"The broader biomarker changes observed with Taltz and Zepbound, including those associated with skin clearance, may point to a meaningful relationship between immune and metabolic biology. Along with previously reported clinical outcomes, these findings support a more comprehensive approach to psoriasis care that also addresses obesity for people managing both conditions."
How researchers conducted the study
The Phase 3b TOGETHER-PsO trial included 274 adults with moderate-to-severe plaque psoriasis who also had obesity or were overweight with at least one additional weight-related health condition.
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More than half of recent job seekers surveyed said they were targeted by fake recruiters, with some experiencing identity theft or financial losses.
Red flags include rushed hiring processes, suspicious email addresses, interviews conducted only through messaging apps, and requests for sensitive information.
Cloaked CEO Arjun Bhatnagar recommends using separate contact information for job applications, securing online accounts, and acting quickly if you suspect a scam.
Looking for a job is stressful enough without having to worry about whether a recruiter is real. But new research suggests fake hiring opportunities are becoming another risk for job seekers.
A study by Cloaked found that 55% encountered fake recruiters during their search. Some applicants faced even more serious consequences, including stolen identities, misused online accounts, and financial losses.
To better understand how these work and what job seekers should watch out for, ConsumerAffairs spoke with Arjun Bhatnagar, CEO of Cloaked, about the growing privacy risks facing people looking for work.
Methodology
Cloaked surveyed 1,012 U.S. adults who had applied for at least one job in the previous 12 months.
Conducted in August 2026, the survey asked respondents about the personal information they shared while job hunting, their experiences with fake recruiters, and the privacy risks they encountered. Participants represented multiple generations and industries.
Key findings
The findings revealed how common job-related and privacy risks have become.
More than half of respondents (55%) said they had been targeted by a fake recruiter, and 17% of those targeted reported that their identity or an online account had been misused. Among those targeted, 10% said they had lost money, while 42% said a scam recruiter had asked them to upload an identification document or provide their Social Security number.
The report also found that 60% of job seekers who suspected they had encountered AI-generated or deepfake content saw it in a job posting or listing.
Know how to spot the
Bhatnagar shared some of the biggest red flags that job seekers should keep in mind. His biggest red flag to look out for: when the process moves too fast.
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October 22, 2026
Airbnb will generally prohibit hosts from asking guests to strip beds, do laundry or wash and put away dishes for reservations booked on or after November 20.
Some hosts say the restrictions undermine basic expectations of courtesy and could increase cleaning costs for travelers.
Guests can still be asked to gather towels, put dishes in the sink and secure the property, and remain responsible for damage or excessive mess.
Airbnb is drawing a sharper line between being a considerate guest and serving as an unpaid cleaner and some property owners are pushing back.
The companys new house rules policy, applying to reservations booked on or after November 20, 2026, generally bars hosts from requesting cleaning tasks that take substantial time or would ordinarily be performed by a cleaner. Those include stripping beds, taking garbage off-site, and washing and putting away dishes.
The change addresses a familiar traveler complaint: paying a cleaning fee, then discovering a checkout checklist that turns the final morning of vacation into a housekeeping shift. Airbnb says the update is intended to make expectations clearer and eliminate surprises.
Where Airbnb draws the line
The policy allows some simple requests. Hosts can ask travelers to collect used towels, place dirty dishes in the sink, separate garbage and recycling into designated indoor bins, and turn off air conditioning when leaving.
Airbnb will consider exceptions based on the property and local conditions, such as asking guests to use an animal-proof trash container in bear country. Hosts also retain standard rules governing smoking, pets, quiet hours, events, overnight guest limits, commercial photography and locking up at checkout.
All rules and requests must appear in the designated listing section when the guest books. Hosts cannot introduce new obligations afterward through messages, signs inside the property or instructions delivered in person.
Why hosts are objecting
On Airbnbs community forum, some hosts argue that washing personal dishes is basic courtesy, particularly in homes with kitchens and shared spaces.
A German host identified as Sabine, who rents two vacation apartments with her husband, said the change creates additional work and potentially higher costs for small operators.
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