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Europe’s ‘green ideology’ climate agenda risks crushing its industry, environment minister warns

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Europe’s ‘green ideology’ climate agenda risks crushing its industry, environment minister warns


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UNITED NATIONS — Europe risks destroying its industrial base unless its leaders retreat from aggressive climate policies and respond to voters demanding economic results, Czech Environment Minister Igor Červený warned in an interview with Fox News Digital.

“If we don’t change the course, we will probably crush the industry,” Červený said during his first visit to the United Nations, where he addressed the U.N. High-Level Political Forum on Sustainable Development.

Červený pointed to the pressure facing European manufacturers, particularly the automotive sector, and warned that companies were increasingly moving production abroad.

The debate comes as Europe faces mounting pressure to revive its economy while maintaining ambitious climate targets. The discussion is increasingly relevant for the United States, Europe’s largest trading partner, as Washington and Brussels navigate disagreements over energy policy, industrial competitiveness and the pace of the global transition away from fossil fuels.

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Ambassador Dan Negrea moderates a panel at the U.S. Mission to the United Nations’ “Trade Over Aid” forum in New York, joined by Czech Environment Minister Igor Cerveny and other participants. (Donald Conahan/ U.S. mission to the U.N.)

“If you look at the market at this moment, mostly in European countries, there is a very bad situation,” he said. “We see many companies leave our territory and leave for China or another place in the world.”

Without those companies, he said, European governments would lose both tax revenue and jobs.

Červený argued that European governments must find a “win-win” approach that protects the environment without undermining industry and employment.

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Protest for social and climate-friendly Europe, in Berlin

Protesters hold signs, as Fridays for Future demonstrate for a social and climate-friendly Europe, in Berlin, Germany, May 31, 2024.  (Christian Mang/Reuters)

“We have to be very careful about this and be very reasonable and try to find some solution for both sides,” he said. “If you look from a higher perspective at European countries, most of them provided only the green ideology. And I think this is a bad way.”

Červený said resistance to the current approach was spreading beyond the Czech Republic, citing Poland, Slovakia, Hungary, Germany and some Scandinavian countries.

The Czech Republic has been among several European governments pressing Brussels to ease parts of the Green Deal, including by delaying the bloc’s new carbon market for buildings and road transport and seeking changes to emissions-trading rules that Prague argues are raising energy costs and weakening industrial competitiveness.

TRUMP CELEBRATES AFTER UN CLIMATE COMMITTEE MOVES AWAY FROM ITS MOST EXTREME GLOBAL WARMING SCENARIO

Protest against the European Green Deal in Warsaw, Poland

Trade union ‘Solidarnosc’ and Polish farmers protest against the European Green Deal in Warsaw, Poland, May 10, 2024.  (Kuba Stezycki/Reuters)

Červený’s warning stood in contrast to the position presented by European Commissioner for Environment Jessika Roswall during the ministerial segment of the U.N. High-Level Political Forum on Sustainable Development in New York on July 13. The annual forum, convened under the U.N. Economic and Social Council, brings governments together to review progress toward the organization’s global development goals.

Roswall, speaking on behalf of the European Union and its member states, said the bloc remained committed to the 2030 Agenda, a U.N. framework adopted in 2015 that sets 17 goals covering issues including poverty, health, clean energy, infrastructure and environmental protection to be pursued by 2030. She warned that progress was being undermined by conflict, inequality and the “triple planetary crisis of climate change, pollution and biodiversity loss.”

She called for accelerated climate action, greater investment in renewable energy and low-carbon technologies, and support for a broader green transition.

“The challenge is not the lack of ideas, but the lack of speed,” she said. “So let’s speed up together.”

European Commissioner for Environment, Water Resilience and a Competitive Circular Economy Jessika Roswall.

European Commissioner for Environment, Water Resilience and a Competitive Circular Economy Jessika Roswall. (Florence Lo/Pool/Reuters)

In his exclusive interview with Fox News Digital, Červený also praised President Donald Trump for strengthening European politicians who favor a less regulatory approach.

“I’m glad that Mr. Donald Trump is president again, because this changed many things also in European countries,” he said, adding that the United States gives smaller countries such as the Czech Republic a stronger partner in debates in Brussels.

Červený said Europe does not need to abandon sustainability, but should pursue it gradually and in cooperation with industry.

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Protest as part of the Global Climate Strike of the movement 'Fridays for Future' in Vienna, Austria

People attend a protest as part of the Global Climate Strike of the movement ‘Fridays for Future’ in Vienna, Austria, October 10, 2025. (Lisa Leutner/Reuters)

“We have to change the course,” he said, “because we don’t want to lose our industry, our economy, our benefits for society and the environment as well.”



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Tate brothers to remain behind bars for now as UK seeks extradition on rape, trafficking charges

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Tate brothers to remain behind bars for now as UK seeks extradition on rape, trafficking charges


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Social media influencers Andrew and Tristan Tate will remain behind bars for now after appearing in federal court in Miami Monday, where they formally began fighting the United Kingdom’s bid to extradite the controversial brothers on dozens of charges, including rape and human trafficking.

During the brief hearing, U.S. Magistrate Judge Lauren Louis informed the brothers they were being held on a provisional arrest warrant from the U.K. and that extradition proceedings were already underway. 

The judge later scheduled a status hearing for July 27 as the brothers prepare to challenge both the extradition request and whether they should remain in custody while the case moves forward.

Attorney Joseph McBride told reporters that the brothers are innocent and said he does not expect them to be released.

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Joseph McBride, lead counsel for Andrew and Tristan Tate, speaks to reporters outside the C. Clyde Atkins United States Courthouse in Miami, Fla., on July 20, 2026. Andrew and Tristan Tate are scheduled to appear before a federal magistrate after they were arrested to face rape and sex trafficking charges in the United Kingdom. McBride said the world knows the brothers are innocent. (Joe Raedle/Getty Images)

“There will be a series of hearings,” McBride said of the extradition process.

Andrew and Tristan Tate appeared wearing gray jail uniforms and shackles and each responded, “Yes, your honor,” when Judge Louis advised them of their rights. 

The judge also explained that the proceeding was an extradition matter, not a criminal trial, and that the brothers would not be required to attend every hearing.

The brothers were arrested in Miami over the weekend after British authorities announced 38 additional charges involving four additional alleged victims.

Andrew Tate, 39, faces seven additional rape counts, as well as charges related to sex trafficking and indecent images of a child. Tristan Tate, 38, faces charges including two rape counts and three counts of arranging or facilitating trafficking for sexual exploitation.

British police said the new allegations bring the total number of charges against the brothers to 59. The alleged offenses are said to have occurred between July 2010 and August 2017.

“We have decided to prosecute Andrew and Tristan Tate for further offenses including rape, arranging or facilitating trafficking for sexual exploitation and offences relating to indecent images of a child,” Malcolm McHaffie, head of the Crown Prosecution Service’s Special Crime Division, said.

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Andrew Tate and Tristan Tate talk to the media outside their residence in Bucharest, Romania.

Tristan Tate and Andrew Tate face rape and sex trafficking charges in multiple countries and the United Kingdom is seeking their extradition. (Andrei Pungovschi/Getty Images)

The Tate brothers, who hold dual U.S. and British citizenship, have denied wrongdoing.

They also face separate criminal proceedings in Romania, where authorities have been investigating them since December 2022.

“I want to make it clear there is no place for male violence against women and girls in our society and we will continue to work tirelessly to support victims and investigate all reports made to us,” said assistant chief constable Karena Thomas, lead for Britain’s Bedfordshire, Cambridgeshire and Hertfordshire major crime unit.

FORMER PRINCE ANDREW UNDER INVESTIGATION FOR ALLEGED INAPPROPRIATE CONDUCT WITH WOMAN AT ROYAL ASCOT

Andrew Tate and Tristan Tate check in at Romanian police station after departing Florida

Andrew Tate speaks to media as he leaves in a vehicle after checking in at a police station as part of his judicial control, which requires him to appear before judicial authorities in Romania when summoned, in Voluntari, Romania, Monday, March 24, 2025. (AP Photo/Vadim Ghirda)

The brothers have built a large online following promoting their views on masculinity and wealth, while Andrew Tate has previously described himself as a misogynist.

Andrew Tate is additionally due to face a civil trial in Britain brought by four women who accuse him of physical and sexual abuse.

The four claimants, who have been granted anonymity, allege Tate subjected them to physical or sexual violence between 2013 and 2015. Two say they were in an intimate relationship with Tate, while two worked for his online webcam business.

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Andrew Tate denies those allegations. In his written defense, his lawyers said the claims are false and that all sexual activity was consensual.

Fox News’ Andre Tinoco and Reuters contributed to this report.



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Mammalian meat allergy: The allergy that can make daily activities deadly

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Mammalian meat allergy: The allergy that can make daily activities deadly


Despite increasing awareness, diagnosing a meat allergy can be difficult.

Symptoms often develop at night, hours after people have eaten their evening meal, and for those suffering asthma, the two can often be confused.

Van Nunen describes it as an “an anytime but not an every time allergy”.

Symptoms may sometimes not appear at all, while at other times they may be exacerbated by factors including the type of meat, how it is cooked and if it is spicy, as well as whether a person drinks alcohol with it, exercises after eating or is sleep deprived.

Those who are hypersensitive can also be triggered by mammalian products such as milk and anything that contains a derivative of mammal meat – beauty products and laundry softeners containing lanolin, for example, and even supermarket plastic bags containing stearic acid. Fumes from a barbecue, or petting a cat or dog, can also trigger an allergic reaction.

Elizabeth Rowley, a mother of three who lives in Hannam Vale on the mid north coast of New South Wales, spent years going to doctors and allergy specialists, hoping they could diagnose the mystery illness that plagued her.

But many dismissed her symptoms, which began in 2006 and ranged from memory loss and brain fog to chest pain, numbness in her arms, full body aches, and breathing difficulties that led to her regularly passing out.

“[They said] ‘you’re turning into a bit of a hypochondriac – it’s not anaphylaxis – get over it’,” she recalls.

She has since set up a Facebook group to support fellow sufferers.

“It’s just mentally horrendous more than anything, just trying to find out what it was,” she says. “I thought I was going crazy.”

Remy Williams, a 23-year-old psychology student who lives in Sydney’s Northern Beaches and was diagnosed with the allergy as a child, says the constant vigilance of watching what she ate tipped over into an eating disorder.

But the even bigger impact, she says, was witnessing the effect on her mother, who also had the allergy and twice suffered severe anaphylactic attacks on aeroplanes.

It was “incredibly scary,” says Remy. She “literally almost died in front of me.”



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There are only 8 states in America starting with ‘N’ and each offers a unique travel experience

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There are only 8 states in America starting with ‘N’ and each offers a unique travel experience


For those planning a road trip across the United States post FIFA World Cup 2026, we have got an interesting list for you. There are only eight U.S. states that begin with the letter “N” and all of them make for an amazing road trip destination. Together, they showcase everything from dazzling desert landscapes and iconic cities to rugged mountains, pristine beaches, charming small towns, and rich Native American heritage. On this note, let’s have a look at these gorgeous eight states in the U.S.Nebraska Nebraska offers America’s great plains adventure but is often overshadowed by its famous neighbours. One of its prime attractions here is Chimney Rock National Historic Site, which is an iconic natural landmark. When here, visit Scotts Bluff National Monument and Nebraska’s Platte River is the best place for watching the world’s greatest bird migrations. Photographers from across the globe visit the place. Nevada

Great Basin National Park, Nevada

Nevada

Then there is the iconic state Nevada. But most people think of Las Vegas as soon as you mention Nevada. But the place is so much more than casinos and luxury resorts. It’s a perfect spot for adventure seekers who can explore the stunning red sandstone formations of Valley of Fire State Park. Then there is this mysterious Extraterrestrial Highway, a route that passes near the legendary Area 51.New Hampshire New Hampshire is a natural beauty, New Hampshire is one of America’s finest destinations for scenic drives and outdoor adventures. The White Mountains attract visitors throughout the year. During autumn, the state transforms into a canvas of brilliant red, orange, and golden foliage, making it one of the best fall destinations in the United States. When here, don’t miss Kancamagus Highway and Mount Washington Cog Railway.New Jersey New Jersey is frequently overshadowed by nearby New York City. But the famous Jersey Shore here is known for lively boardwalks, family-friendly beaches and amusement parks. The seafood restaurants. Nature enthusiasts can visit Island Beach State Park, known for its untouched dunes, kayaking opportunities, and peaceful coastline.New Mexico Its capital, Santa Fe, is celebrated for adobe architecture, Native American art, and vibrant cultural festivals. Meanwhile, Albuquerque is internationally known for the spectacular International Balloon Fiesta, where hundreds of colourful hot-air balloons fill the sky. Nature lovers can visit White Sands National Park, home to the world’s largest gypsum dune field, creating landscapes unlike anywhere else on Earth.New York

New York City, USA

New York City

Travellers in New York can experience the breathtaking Niagara Falls, explore the beautiful Adirondack Mountains, enjoy wine tasting in the Finger Lakes, or cruise along the scenic Hudson River Valley.In New York City itself, iconic attractions such as Times Square, Central Park, the Statue of Liberty, Broadway, and world-class museums attract millions of international visitors every year.Whether you prefer urban adventures or peaceful mountain retreats, New York truly offers something for everyone.North Carolina

North Carolina

North Carolina

North Carolina is among America’s most geographically diverse states. The scenic Blue Ridge Parkway is considered one of America’s most beautiful drives, especially during autumn. Nearby, Great Smoky Mountains National Park offers hiking trails, waterfalls, wildlife, and panoramic mountain views.North Dakota North Dakota means fewer crowds and untouched landscapes. It is America’s hidden frontier. The state’s highlight is Theodore Roosevelt National Park, where colourful badlands, wild bison, prairie dogs, and scenic drives showcase the rugged beauty of the American West.



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The body can handle five cups of coffee each day, experts say

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The body can handle five cups of coffee each day, experts say


Caffeine lovers rejoice: The human body can safely handle an astonishing amount of coffee, according to a new statement from the American Heart Association.

Drinking up to five cups of black coffee each day appears to lower the risk of several cardiovascular conditions, including stroke, heart failure and heart disease. The latter is America’s top killer, accounting for over 919,000 deaths a year.

So it’s good news for the two-thirds of adults who drink coffee every day. Regularly consuming caffeinated beverages has also been linked to a lower risk of developing dementia and a reduced risk of cancer.

But consuming more than five cups – and exceeding the 400-milligram daily caffeine limit deemed safe by most experts – can be harmful to health, too, the association warned. Higher amounts may lead to seizures, sudden high blood pressure and breathing issues.

And beware of energy shots – which may contain 40-69 milligrams of caffeine per fluid ounce – between three and four times that of an eight-ounce cup of coffee.

Drinking up to five cups of black coffee each day appears to lower the risk of several cardiovascular conditions, including stroke, heart failure and heart disease (AFP/Getty)

“Energy drinks, bars, gels and caffeine-based supplements often contain other added ingredients that may increase the absorption of caffeine, may accelerate its effects on the body, may raise blood pressure and increase the risk of cardiovascular harm,” the American Heart Association stated.

More research is necessary to investigate different health impacts of various types of caffeine products, the group added, noting that everyone responds to caffeine differently.

“What may be a reasonable amount for one person could cause unwanted effects, such as heart palpitations, anxiety or sleep disruption, in another,” Dr. Gregory Marcus, a professor of medicine at the University of California, San Francisco School of Medicine, explained in a statement shared by the association.

“That’s why it’s important to pay attention to how your body responds to caffeine and talk with your healthcare team about what is right for you,” he said.

For some people, just a couple of cups of coffee can result in symptoms, like increased heart rate, heart palpitations, high blood pressure, insomnia, anxiety, nausea and upset stomach, headaches and the jitters, the U.S. Food and Drug Administration warns.

Toxic effects like seizures can occur when consuming around 1,200 milligrams, the agency says.

Fortunately, the average American only drinks around three cups a day – under the 400 milligram limit.



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Quote of the Day by Friedrich Nietzsche “What makes unhappy marriages? It is not the lack of love but the absence of….”

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Quote of the Day by Friedrich Nietzsche “What makes unhappy marriages? It is not the lack of love but the absence of….”


Quote of the Day by Friedrich Nietzsche

Friedrich Nietzsche’s impact is intense and can be felt even now. He is one of the most misunderstood, debated and influential philosophers. He challenged conventional morality, religion, culture and human nature and many of his ideas were controversial in his own time, but today Nietzsche is regarded as one of the greatest thinkers in Western philosophy.Friedrich Wilhelm Nietzsche was born on October 15, 1844 in Röcken, a small village in the then Kingdom of Prussia (now Germany). His father, a Lutheran pastor, died when Nietzsche was four years old. The loss was a heavy blow for the family and Nietzsche grew up in a home dominated by his mother, grandmother, two aunts and younger sister. He showed from an early age extraordinary intelligence and a love of literature, music and the classical languages. He went to the prestigious Schulpforta boarding school (one of the best educational institutions in Germany) where he was brilliant in Greek, Latin and philosophy.He then studied theology and classical philology at the University of Bonn, before transferring to the University of Leipzig. As a student he was captivated by the writings of philosopher Arthur Schopenhauer whose thoughts on human suffering influenced him greatly.A bright academic career:Nietzsche was recognised as brilliant remarkably early on. He became only 24 when he was appointed Professor of Classical Philology at the University of Basel in Switzerland, even before he had completed his doctorate—an unusual tribute to his remarkable scholarship. During these years he made the acquaintance of the famous composer Richard Wagner, whom he at first greatly admired. But the two men fell out when Nietzsche turned against Wagner’s nationalism and religious obsession.Nietzsche, at the age of 34, was forced to resign from his teaching post due to continuing ill health. He suffered from severe migraines, eye problems and long-term digestive disorders. Physically frail, this was to be the most productive period of his intellectual life. Now free from academic duties, he travelled across Switzerland, Italy and France, writing many of the books that would later make him famous.His revolutionary philosophy Nietzsche thought society believed things for the sake of it because they were passed down through the generations. His challenge to people was to question the accepted truths and think for themselves. Among his most famous ideas was the notion of the “Ubermensch” or “Overman” as introduced in his book, Thus Spoke Zarathustra. Contrary to popular belief, Nietzsche was not calling for racial superiority. Instead he saw a person who always tried to better himself, who created his own values and did not conform to what society expected.Another famous phrase associated with Nietzsche is “God is dead.” This was not a celebration of atheism but an observation that the coming of modern science, rationality and changing social values had eroded traditional religious authority in Europe. He also proposed the idea of the “will to power,” that humans are driven not just by survival or pleasure, but by a desire to grow, achieve, create and conquer challenges.In every piece of writing he wrote, Nietzsche urged people to confront the difficulties of life rather than run from them. He believed that suffering, setbacks and hardship often lay the foundation for personal growth and strength.His principal works Nietzsche wrote many influential books that are still studied all over the world. Among his more important works are-The Birth of Tragedy (1870), Human, All Too Human (1878), Thus Spake Zarathustra (1883–1885), Beyond Good and Evil, 1886, On the Genealogy of Morals (1887) and The Gay Science (1887). These books sold commercially during his lifetime although later they changed philosophy, psychology, literature and political thought.Nietzsche lived in Turin, Italy when in 1889 he had a complete mental break down. He was reported to have seen a horse being savagely whipped in the street and rushed to embrace the animal before collapsing. What exactly happened is disputed by historians, but it became symbolic of his mental collapse. It’s unclear what triggered his mental illness. Some have attributed it to syphilis; others have speculated it was due to a neurological disorder or genetic condition. Nietzsche never really recovered from the collapse. His mother cared for him until her death, and his sister Elisabeth took over. Nietzsche died at the age of 55 on 25 August 1900. It is ironic that the philosopher who struggled for recognition in his own lifetime should have become one of the most influential intellectual figures of the twentieth century.His impact on the worldNietzsche’s influence stretches far beyond philosophy. His insights into the human mind were admired by psychologist Carl Jung, and Sigmund Freud acknowledged Nietzsche’s deep understanding of unconscious motivation. Existentialist philosophers like Jean-Paul Sartre and Albert Camus took many of his ideas about freedom, meaning and responsibility and developed them. His writings also inspired such authors as Thomas Mann, Hermann Hesse and André Gide. His ideas are still influential among artists, film makers and musicians today.But there is also a wrong reading of Nietzsche’s legacy. After his death his sister Elisabeth, who controlled much of his unpublished writing, edited his work selectively, associating it with German nationalism. In the later period, the Nazi regime falsely claimed Nietzsche as one of its intellectual influences. The interpretation is overwhelmingly rejected by modern scholars. Nietzsche was a harsh critic of antisemitism, nationalism and blind obedience. His philosophy was based on individual freedom, not political ideology.Quote of the DayOne of the most iconic quotes of Friedrich Nietzsche is, “What makes unhappy marriages? It is not the lack of love but the absence of friendship.The quote is one of Nietzsche’s deepest insights into human relationships. When people think of successful marriages they often think of romance, attraction and passion. These feelings surely play an important role in bringing two people together. But, as Nietzsche argues, romantic love alone is not enough to sustain a partnership for life. Friendship is formed of elements that last longer than passion naturally changes. Friends trust each other. They respect each other’s individuality. They like being with each other even if there is no excitement or celebration. They laugh together, share in each other’s failures and truly care about each other’s growth.Romantic attraction alone can make relationships hard when life gets tough. All relationships are inevitably under pressure from financial problems, the responsibilities of parenthood, illness, career problems and old age. Often in such moments alone intense passion is not enough. Friendship offers a stability that romance can’t always provide. When spouses become true friends, they speak plainly, forgive mistakes more easily, and cheer each other’s victories without jealousy. They’re teammates, not rivals.” They accept each other’s flaws, and learn to appreciate each other’s strengths, rather than try to change each other.Nietzsche’s quote is a reminder that emotional intimacy often begins with friendship and not dramatic declarations of love. Often, the couples who create stronger relationships are the ones who stay curious about one another, keep sharing experiences, and genuinely enjoy each other’s company, not the ones that rely on romantic feelings alone.This observation is still remarkably relevant more than a century after Nietzsche’s death. In an age of often exaggerated romance, social media spectacles and great gestures, Nietzsche reminds us that the value of everyday companionship may be even greater. The strongest marriages are seldom perfect. They are instead partnerships where two people keep encouraging, challenging and supporting each other through the changing seasons of life.



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Ofcom unable to take further legal action against suicide forum

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Ofcom unable to take further legal action against suicide forum


Ofcom said it is unable to take further legal action against a pro-suicide forum which campaigners say has been linked to over 130 UK deaths.

The regulator said, external the site had blocked access for the “vast majority” of UK users, and it had “no further legal routes available” under the Online Safety Act.

But it accepted people would still be able to access the forum by using a VPN, which hides your location online.

Andy Burrows, chief executive of the Molly Rose Foundation, said the decision to take no further legal action would “result in more lost lives” and that announcing it on the day a new prime minister was named showed “an utter lack of moral courage”.

In response, an Ofcom spokesperson said it had made the decision a “matter of days ago” following “months of work to exhaust all possible legal routes”.

They said bereaved families were informed of the decision this morning after being contacted last week.

“In that context, we do not consider it appropriate to delay the announcement further to accommodate today’s political developments,” they said.

Meanwhile, Ofcom enforcement director Suzanne Cater said the regulator had used its powers “to the fullest extent possible”.

“We’ll continue to monitor the forum closely to check the geoblock remains in place,” she said.

The geoblock means people based in the UK are unable to access the site, unless they mask their location through a VPN or similar means.

Ofcom said it was working with the government to explore whether its enforcement powers should be strengthened.

In particular, this concerns its ability to get a website blocking order through the courts, which would legally mandate internet service providers in the UK to block the website.

The regulator says it has reached the limit of what it can legally do under the Online Safety Act because the forum has implemented the geoblock.

The BBC has approached the government for comment.



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How AI can help with healthcare

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How AI can help with healthcare



Dr Chris and Dr Xand continue their conversation about AI medicine with Dr Emma Karoune.



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How 401(k) fees can cost tens of thousands in retirement savings

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How 401(k) fees can cost tens of thousands in retirement savings


More than half of U.S. workers rely on 401(k) plans to save for retirement, but many may not be aware of fees that can fly under the radar and end up costing them tens of thousands — or more — in retirement income. 

While these fees may appear small at first glance, they can add up: As the Department of Labor explains, a 1% difference in fees could significantly reduce a person’s ultimate account balance at retirement.

In the Labor Department’s example, a person with $25,000 in 401(k) savings who has 35 years until retirement and is charged 1.5% in fees could end up with $163,000 in retirement savings versus $227,000 if they were charged 0.5%, a 28% difference.

About four in 10 workers aren’t even aware that they pay fees on their 401(k)s, according to a 2021 study by the Government Accountability Office. Retirement plans typically face two types of fees, administrative and investment-related, which can be paid by the workers, the employer or split between the two, the GAO report noted.

Here’s what you need to know about the fees you’re being charged as a 401(k) holder.

What are the typical 401(k) fees?

Fees can vary based on your investment choices, your employer’s plan design and other factors.

“There’s just not one standard,” said Teresa Hassara, senior vice president of workplace savings and retirement solutions at Principal Financial Group, a small to midsize 401(k) plan manager.

In general, smaller plans tend to have higher fees, she said.

“In servicing a plan, there are fixed and variable costs,” she said. “The fewer employees you have for those fixed costs to be distributed across, [that] can have some implications.”

Typical fees are 0.3% to 0.5% for large plans, 0.5% to 1% for mid-sized plans and 1% or higher for small plans, according to Hassara. Workers with 401(k)s don’t have control over setting the fees, but may be able to influence how much they ultimately pay based on the investment choices they make, such as by choosing to invest in lower-cost funds.

“Some investment options have higher underlying investment expenses than others,” Hassara said.

What’s included in a 401(k) fee?

Fees are typically grouped into three main buckets:

  • Investment fees. These cover the costs of managing 401(k) investments. As the Labor Department explains, these are indirect charges that get deducted from your investment returns. They account for the largest share of a person’s 401(k) fees.
  • Administrative fees. These are the day-to-day operational expenses of running a plan, such as recordkeeping and accounting. The fees also cover services such as customer service assistance or investment advice offered through a 401(k) plan, according to the Department of Labor.
  • Individual service fees. 401(k) holders may also face individual service fees if they opt to use certain plan features. A person could be charged a fee for taking out a loan or conducting other optional transactions, for example. 

Across all fee types, some costs may be borne by employers, while others are deducted from plan assets or passed directly to employees.

While higher fees may be daunting, they are not necessarily a bad thing, Hassara pointed out. Service providers may charge higher administrative fees, for example, in order to cover educational campaigns to help employees achieve better returns on their investments, she said. 

“Cost and level of services often go hand in hand,” she said.

How can I see how much I am being charged?

Fees can change over time, making it important for plan holders to monitor their accounts to see how much they are paying.

“[Fees] will typically change because the plan sponsor is going to be negotiating on behalf of the participant and reviewing those fees very frequently to make sure they’re competitive with the marketplace,” Hassara told CBS News.

If the fees on a 401(k) plan change for any reason, employers are generally required to notify the employee within a 30- to 90-day window, Hassara said.

Otherwise, 401(k) holders can see what types of fees they’re paying and how much they are being charged through an annual disclosure notice, known as a 404(a)(5). Workers can also look at their quarterly account statements to see their fees.

“That will break out all of the fees for employees,” Hassara said.

Employees can always reach out to their company’s HR department or recordkeepers, firms like Principal that manage 401(k) contributions and investment elections, if they have questions about the fees they are being charged. 



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Dermatologists issue warning over viral ‘tanmaxxing’ trend

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Dermatologists issue warning over viral ‘tanmaxxing’ trend


Dermatologists have raised the alarm on “tanmaxxing,” a growing social media trend all about getting the deepest tan possible this summer.

Tanmaxxing, a term that borrows from the self-improvement trend “looksmaxxing,” encourages people to achieve the strongest tan possible through excessive measures. This includes planning your sunbathing around peak UV hours, using sunbeds, spending unhealthy stretches of time in the sun, skipping sun protection and using tan-enhancing oils while sunbathing.

While social media users are using the term “taxmaxxing” to document their quest to achieve a perfect summer glow, dermatologists have labeled it “sun damage packaged as a beauty hack.”

Dr. Silvina Pugliese, a clinical associate professor of dermatology at NYU Langone Health, told News 12 that repeated ultraviolet exposure not only speeds up the risk of skin cancer but can also speed up premature aging and lead to wrinkles and other lasting cellular damage.

“The long-term ramifications can actually be quite detrimental,” Pugliese said. “Your skin will age more quickly with regular routine and extensive UV exposure.”

Tanmaxxing, a term that riffs on the self-improvement trend ‘looksmaxxing,’ encourages people to achieve the strongest tan possible by any means necessary — but dermatologists have raised concerns about the trend (Getty/iStock)

Jessica Saggio, a Long Island nurse, told News 12 that she used to embrace the habits social media users are now promoting online, such as spending hours sunbathing and using tanning oil to maximize the tan.

But she told the outlet that her education in medical school made her rethink the risks of UV damage and the harm of her habits.

“I went to nursing school, I was like, wait a second. I should be protecting my skin,” she said.

“I would be doing the same thing that they would be doing,” Saggio said of tanmaxxing. “I do love to tan and I love to be in the sun, but unfortunately, not everybody’s skin type is the same.”

The American Academy of Dermatology recommends applying a water-resistant sunscreen that is SPF 30 or higher about 15 minutes before heading into the sunshine. It recommends reapplying it every two hours.

Tanmaxxers are trying to achieve the deepest tan possible by spending excessive time sunbathing and using sunbeds
Tanmaxxers are trying to achieve the deepest tan possible by spending excessive time sunbathing and using sunbeds (Getty Images/iStockphoto)

Skin cancer is the most common cancer in the United States, affecting one in five Americans in their lifetime.

Just five or more sunburns of any severity can double that risk, according to the Skin Cancer Foundation. The sun’s ultraviolet rays damage the skin’s cells, causing DNA mutations that lead to cancer.

But skin cancer is one of the most preventable cancers, and most cases can be prevented by protecting your skin.

The AAD encourages limiting prolonged exposure during peak daylight hours between 10 a.m. and 2 p.m.

To protect your skin, AAD dermatologists also recommend seeking shade, wearing sun-protective clothing like hats and clothing made from UPF (ultraviolet protection factor) materials.



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