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    Why States Are Offering Workers at Private Companies Access to I.R.A.s

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    With the plans, workers are automatically enrolled and contribute through payroll deductions. The goal is to help more Americans save for retirement.Traditional pensions are increasingly rare. About half of employees at private companies don’t have access to a retirement plan. And retirees themselves say they haven’t saved enough.That is why states have decided to step in and offer retirement accounts for private-sector employees, helping workers to save more and, new research shows, perhaps even spurring companies to offer their own workplace retirement plans.Automatic individual retirement account programs, known as “auto-I.R.A.s,” typically require private employers that don’t offer workplace retirement plans like 401(k)s to register for state-run plans.Workers are automatically enrolled in I.R.A.s, often with 3 to 5 percent of their income deducted from their paychecks, but can change the amount or opt out if they prefer. The employers — typically small businesses and nonprofits — provide access to payroll deductions to ease worker contributions, but don’t oversee the plan or pay fees.Auto-I.R.A.s are now available in 10 states, including New Jersey and Delaware, which started plans this summer, and soon will be in seven more, according to the Georgetown University Center for Retirement Initiatives. At the end of October, there were more than 930,000 accounts with $1.7 billion in savings for the eight plans for which data was available, according to the Georgetown center.Workers can, of course, open an I.R.A. on their own at a bank or brokerage. But few workers do so, perhaps because of inertia or because they are intimidated about making investment choices.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Cinturón del sol, cinturón industrial, cinturón de la barbacoa: las regiones debatibles en EE. UU.

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      Estados Unidos es un mosaico de regiones cuyos límites pueden ser confusos y objeto de debate. Sobre todo el día de las elecciones.Cinturón industrial. Cinturón del sol. Cinturón de la Biblia. Cinturón del grano. Cinturón de la barbacoa. Circunvalación.Estados Unidos es un mosaico de regiones. Y ahora estos términos y otros, que evolucionaron a partir de una abreviatura para describir agrupaciones geográficas, están teniendo un ejercicio cuatrienal a medida que la campaña presidencial se acerca a su fin. Pero, ¿qué significan realmente?“Estados Unidos es un país increíblemente complicado”, dijo Colin Woodard, autor de American Nations, una historia de las culturas regionales de Norteamérica. “Las cosas subyacentes reales que la gente intenta describir a menudo no coinciden con las fronteras estatales”.Mientras las cadenas de televisión ponen a prueba estos términos regionales en la noche electoral, las designaciones geográficas pueden resultar increíblemente confusas para quien no esté pegado a la pizarra mágica de Steve Kornacki. Nosotros te ayudamos.Empecemos por lo básico: el código de coloresDurante décadas, los estados en los que los votantes se decantan mayoritariamente por los republicanos se han conocido como estados rojos, y los estados que se inclinan por los demócratas, como estados azules. Cuando la televisión pasó a ser a todo color, la decisión de qué color iba con qué partido era en gran medida arbitraria entre los productores y no había consenso entre las empresas de medios de comunicación. Eso cambió en las elecciones presidenciales de 2000, cuando los resultados se prolongaron durante semanas y las empresas de comunicación, entre ellas The New York Times, ansiaban coherencia.No es tan sencillo como rojo y azulLos votantes de los estados morados, más conocidos como estados de tendencia electoral incierta o estados disputados, muestran un apoyo prácticamente igual a los dos partidos mayoritarios. En la mayoría de las elecciones, estos estados determinan el resultado de la contienda presidencial. En un extremo del espectro de colores está el muro azul, un grupo de estados que históricamente han votado mayoritariamente por los demócratas en las elecciones presidenciales. Entre ellos están Nueva York, Massachusetts, Oregón y California.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      What to Know About the Electoral College

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      “This is a very unique and bespoke system that I think nobody would create again today,” one expert said.Voters are already casting ballots for local offices, state legislators, governors, every member of the U.S. House and one-third of the U.S. Senate as Election Day nears.They are also choosing the next president but with a twist: Americans will actually select the electors, who will, in turn, elect Kamala Harris or Donald J. Trump, and their running mates.Yes, there are really two elections: one in which voters cast their ballots, and a second in which the electoral votes are cast and counted. Or, in other words, the winner of the most votes nationally is not assured victory.This is the way it has been done for more than 200 years, and it is likely to endure, even though a majority of Americans would prefer to have the winner of the most votes nationally rise to the presidency.What is the Electoral College?The Electoral College is made up of 538 elected members, one for each U.S. senator and U.S. representative, plus three for Washington, D.C.A presidential candidate needs to win a simple majority of them (270) to win the White House. The electors meet and cast votes for president and vice president in mid-December.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Supreme Court Rejects Bid to Block Count of Some Pennsylvania Provisional Ballots

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      Republicans had sought to block the counting of provisional ballots by voters whose mail-in ballots were deemed invalid. Democrats celebrated the ruling as a win in a crucial state.The Supreme Court cleared the way on Friday for some voters in Pennsylvania whose mail-in ballots had been deemed invalid to cast provisional ballots in person, rejecting an appeal by Republicans not to count such votes.Democrats immediately celebrated the decision, which like in many such emergency petitions was unsigned and gave no reasoning, as a victory in a state crucial to each party’s presidential and Senate hopes. It could affect thousands of mail-in ballots in a contest where the latest polls show Vice President Kamala Harris and former President Donald J. Trump virtually tied.The ruling was one in a string of court victories for Democrats, whose voters are more likely to use mail ballots and were therefore more likely to have had their votes tossed out if Republicans had succeeded in the case.“In Pennsylvania and across the country, Trump and his allies are trying to make it harder for your vote to count, but our institutions are stronger than his shameful attacks,” the Harris campaign said in a statement after the ruling. “Today’s decision confirms that for every eligible voter, the right to vote means the right to have your vote counted.”The Republican National Committee was “disappointed” in the court’s ruling, a spokeswoman said.In a brief statement attached to the court’s order, Justice Samuel A. Alito Jr. wrote that the case was “a matter of considerable importance.” But he said the justices had no way to give the Republicans what they were asking for — a statewide block on allowing these provisional ballots.Only Butler County elections officials were parties to the case, he wrote, which meant the justices could not force elections officials in other counties to block those ballots. He was joined by two other conservative justices, Clarence Thomas and Neil M. Gorsuch.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Play: Election-Night Bingo

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      Listen up for these terms as the votes roll in. Find them on the board to be the night’s big winner.This article is part of A Kid’s Guide to the Election, a collection of stories about the 2024 presidential election for readers ages 8 to 14, written and produced by The New York Times for Kids. This section is published in The Times’s print edition on the last Sunday of every month.After months and months and months of hearing about it, the election is finally here! Every four years, millions of Americans cast their ballots for president. Then, they wait and watch for the results on election night. It’s exciting! But also kind of … a lot.The news is a jumble of numbers, some very intense maps and a bunch of politics wonks talking a mile a minute about “exit polls” and “returns.” Not the most kid-friendly introduction to participatory democracy. But like most things, the more kids understand what’s going on, the more interesting it can be.That’s where this game comes in. Think of it as a mash-up of bingo and a language scavenger hunt. LINGO!InstructionsPrint out the bingo board and the definitions of the terms on it. Skim the terms to familiarize yourself.Set a timer for 30 minutes and settle in for an evening of election excitement.Anytime you read or hear one of phrases from the board, check it off. Check your printout (or scroll below) to read the explanation, too!We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      How a Tiny Panel, Up for Election, Could Steer Arizona Away From Clean Power

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      The vote, in a sunny state with huge solar potential, reflects a growing nationwide fight over America’s energy transition.As Arizona voters go the polls, they have more control over their state’s power plants and climate policies than they might realize.This year three of the five seats are up for grabs on the Arizona Corporation Commission, which regulates electric utilities. The commission has authority over how electricity is generated, among other things, and what customers pay.In recent years, it has taken steps toward rolling back a clean-energy mandate passed by a previous Republican-led board. It has also made it harder to build community solar in a state renowned for its sunniness, its critics say, and easier to build new fossil-fuel-burning power plants.These boards exist in states nationwide, and while most are appointed, similarly contentious races playing out in states like Louisiana and Montana, where they’re debating the future of coal power, which is particularly dirty, and what role natural gas, another fossil fuel, should have.“It’s a fourth branch of government that nobody knows about who’s in your pocket every day,” said Robert Burns, a Republican who served on Arizona’s commission for eight years.Starting two decades ago, the Republican-controlled commission had encouraged a transition to renewable energy based on simple economics: Renewables were getting cheaper than fossil fuels. It initially required utilities it regulates to become 15-percent renewable by 2025 and later, during Mr. Burns’s tenure, he sought to eliminate greenhouse-gas emissions from power plants by 2050.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Hurricane Helene Aftermath: 6 Issues Across the Southeast

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      The worst fallout from the hurricane is in western North Carolina, but at least five other states are grappling with their own intractable problems. More than a week after Hurricane Helene made landfall as a Category 4 storm, state officials across the Southeast are scrambling to repair damaged electrical lines, roads and bridges affecting tens of thousands across the path of destruction.Helene wreaked havoc from Florida to the Appalachian states after making landfall on the Gulf Coast on Sept. 26. The worst fallout is still in western North Carolina, where, in addition to the mass wreckage of destroyed buildings, teams are searching for dozens of missing people, some areas have no potable water, cellphone communication remains spotty, more than 170,000 customers still don’t have power, and hundreds of roads are closed. But at least five other states are grappling with their own intractable problems from impassable highways to ruined farmland.President Biden, who surveyed the storm’s toll this week, said Helene most likely caused billions of dollars in damage, and he asked Congress on Friday to quickly replenish disaster relief funds to help. Here are some of the biggest current issues in the Southeast:In North Carolina, an untold number of people are still missing.The remains of a home in Swannanoa, N.C.Loren Elliott for The New York TimesIn the western part of the state, many families’ greatest concern is their unaccounted loved ones. But looking for them in mountain-ringed towns and rugged ravines has been a daunting task for search teams, and the effort has been hampered by poor cell service and widespread power losses.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      California Can Ban Guns in Parks and Bars, but Not Hospitals, Court Says

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      California and Hawaii banned guns from various public venues. A federal appeals court dusted off the history books to help determine where to allow prohibitions.A federal appeals court on Friday partly reinstated firearm bans in California and Hawaii, finding that California could, for example, prohibit guns in parks, playgrounds and bars but not in banks or hospitals.The 3-0 ruling, by a three-judge panel of the United States Court of Appeals for the Ninth Circuit, said that the Supreme Court’s current interpretation of gun rights was “seemingly arbitrary” and “hard to explain” at the moment. The court’s findings applied only to laws in those two states.The judges found that most of the prohibitions enacted last year by California and Hawaii met the constitutional standards set in a 2022 Supreme Court decision that drastically narrowed the legal standard for restrictions on firearms.That decision struck down a New York law that had strictly limited the carrying of guns outside homes. The Supreme Court found that restrictions on guns are constitutional only if courts can find an analogue “consistent with this nation’s historical tradition of firearm regulation.” But, the court added, states could ban guns in “sensitive places” such as schools and courthouses.Democratic-led states rushed to rewrite laws to comply with the new interpretation, in some cases banning guns in dozens of specific locations. But federal judges last year struck down new laws in California and Hawaii.The Ninth Circuit judges ruled on Friday that California could prohibit guns in libraries, sports arenas, casinos, museums and restaurants that serve alcohol, in addition to parks, playgrounds and bars. Hawaii can ban guns on parks and beaches and in establishments serving alcohol.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More

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      Utah Officials Backtrack on Untested Execution Drug

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      An execution, scheduled for next month, would have used an experimental three-drug combination that critics said could inflict serious pain.Plans to use an experimental three-drug combination in an upcoming execution in Utah — a cocktail that critics said could inflict serious pain — have been scrapped after state officials said in court documents released Saturday that they would be able to seek an alternative.Taberon D. Honie, who was convicted of aggravated murder in 1999, is scheduled to be executed by lethal injection on Aug. 8. It would be the first execution conducted by that method in the state in nearly 25 years. The Utah Department of Corrections recommended using an untested three-drug cocktail of ketamine, fentanyl and potassium chloride when it could not find sodium thiopental, the drug required by Utah law, or other alternatives.That drug has been challenging to obtain for more than a decade, after Hospira, the only American producer of sodium thiopental, announced it would stop selling it, citing concerns about producing the drug in Italy. But many states across the country where the death penalty is legal have struggled for years to obtain and properly use suitable drugs for lethal injections.A lawsuit filed last week by Mr. Honie’s lawyer against several Utah prison officials expressed many concerns about the proposed drug cocktail, including that it would not create the anesthesia Mr. Honie needed to be “unconscious, unaware and insensate to pain,” when the potassium chloride, which stops the heart, is administered. The drugs carried the risk “of serious pain and unnecessary suffering,” the lawyer, Eric Zuckerman, wrote in the complaint.On Friday, Brian Redd, the executive director of the Utah Department of Corrections, agreed instead to obtain the sedative pentobarbital for Mr. Honie’s execution, a drug that is now used by other death penalty states. Mr. Redd also vowed to abandon the idea of using the three-drug combination in any execution if pentobarbital could be supplied.“We still believe that the three-drug combination would have been effective, but we also recognize we could’ve been caught in a lengthy court battle,” said Glen Mills, a spokesman for the department.We are having trouble retrieving the article content.Please enable JavaScript in your browser settings.Thank you for your patience while we verify access. If you are in Reader mode please exit and log into your Times account, or subscribe for all of The Times.Thank you for your patience while we verify access.Already a subscriber? Log in.Want all of The Times? Subscribe. More