QCA.news - Quad Cities news and view from both sides of the river

Saturday, August 15th, 2026

Quad-City Times Local government recap: Eldridge takes another step toward city fire department, Davenport wants to look at finances Quad-City Times

Local government recap: Eldridge takes another step toward city fire department, Davenport wants to look at finances

Eldridge holds second vote on establishing a city fire department, Davenport discusses finances, and Clinton clues in public on drafting changes to proposed data center regulations.

OurQuadCities.com Sweet Lillies bring Americana roots pop fusion to Cambridge concert OurQuadCities.com

Sweet Lillies bring Americana roots pop fusion to Cambridge concert

Colorado-based quartet The Sweet Lillies will bring their heartfelt, collaborative and genre-bending sound to Ca d’Zan House Concerts in Cambridge on Thursday, Aug. 20, a news release says. Presented by Crossroads Cultural Connections, the all-ages concert will begin at 7 p.m., with an optional community potluck dinner at 6 p.m. Known for a sound they [...]

OurQuadCities.com OurQuadCities.com

Galesburg Community Chorus will begin rehearsals

The Galesburg Community Chorus will begin rehearsals for its 2026-27 season from 7-9 p.m. Monday, Aug. 24 at First Presbyterian Church, 101 N. Prairie St., Galesburg. a news release says. Subsequent rehearsals will take place on Mondays from 7-p.m. Everyone is invited to join, and no audition is necessary. Dues are $20 per semester; students [...]

OurQuadCities.com Have a doggone great time at Doggy Splash! OurQuadCities.com

Have a doggone great time at Doggy Splash!

Dogs and their humans can have a swimmingly good time at Doggy Splash on Labor Day. According to a release from the City of Bettendorf, the Bettendorf Dog Park Alliance invites all breeds and pedigrees to swim together and use the diving board and small toys or balls. All dogs are required to be current [...]

OurQuadCities.com OurQuadCities.com

Davenport Fire Department hosts Gary Sinise Foundation heavy vehicle rescue school

The Davenport Fire Department will host the Gary Sinise Foundation Heavy Vehicle Rescue School, bringing specialized rescue training to firefighters and rescue personnel from across the region, according to a news release from the City of Davenport. The training focuses on the unique challenges of heavy vehicle incidents, including vehicle weight, construction, cargo, and stability. [...]

OurQuadCities.com Maquoketa Speedway prepares for two nights of World of Outlaws action OurQuadCities.com

Maquoketa Speedway prepares for two nights of World of Outlaws action

The stage is set for the World of Outlaws Hawkeye 100 hosted by K Promotions, Hoker Promotions LLC and the Jackson County Fairgrounds featuring the World of Outlaws Late Model Series. The best Late Model drivers in the country will race both Friday and Saturday, Aug. 21-22, with a full show each night, a news release. Activities [...]

OurQuadCities.com Sip, Taste & Stroll in downtown Burlington OurQuadCities.com

Sip, Taste & Stroll in downtown Burlington

Grab your friends, get creative, and get ready to sip, taste, shop, and stroll through downtown Burlington during Sip, Taste & Stroll from 5-8 p.m. Friday, Sept. 18, a news release says. This popular Downtown Partners, Inc. event invites participants to explore downtown businesses while enjoying samples, special stops, shopping, and a fun evening out [...]

Quad-City Times Memories of Muscatine: Pure Oil Station Quad-City Times

Memories of Muscatine: Pure Oil Station

This week for Memories of Muscatine: a 1958 photo of the Pure Oil Station.

KWQC TV-6  Rob Sand proposes raising minimum wage, expanding farm income streams KWQC TV-6

Rob Sand proposes raising minimum wage, expanding farm income streams

Democratic gubernatorial candidate Rob Sand released policy priorities Wednesday to support Iowa farm and rural economies.

WVIK ICE detained a Venezuelan soccer pro. His case shows the immigration backlog crisis WVIK

ICE detained a Venezuelan soccer pro. His case shows the immigration backlog crisis

Homero Calderón's detention by ICE spotlights the massive backlog in the U.S. immigration system.

WVIK WVIK

August Wentz

This is Roald Tweet on Rock Island.Patriotism can sometimes be devoted to an idea as well as to a country. Take the German immigrants who settled in…

OurQuadCities.com FDA assigns highest-risk Class I status for recall of nearly 1.6 million cartons of eggs OurQuadCities.com

FDA assigns highest-risk Class I status for recall of nearly 1.6 million cartons of eggs

A Class I recall indicates “a situation in which there is a reasonable probability that the use of or exposure to a violative product will cause serious adverse health consequences or death," according to the FDA.

WVIK They fought for the U.S. in Afghanistan. Now they worry about losing their green cards WVIK

They fought for the U.S. in Afghanistan. Now they worry about losing their green cards

When the U.S. withdrew from Afghanistan five years ago, thousands of Afghans who helped U.S. troops were brought here to rebuild their lives. But now, some fear the U.S. may want to send them back.

WVIK Magnitude 7.7 earthquake strikes off Indonesia's coast, killing at least 38 WVIK

Magnitude 7.7 earthquake strikes off Indonesia's coast, killing at least 38

A powerful magnitude 7.7 earthquake struck off the coast of Indonesia early Saturday, killing at least 38 people, collapsing buildings as well as causing panic in a region prone to deadly quakes.

Friday, August 14th, 2026

KWQC TV-6  Purina’s Incredible Dog Team to perform free shows at Alternating Currents KWQC TV-6

Purina’s Incredible Dog Team to perform free shows at Alternating Currents

Purina’s Incredible Dog Team will present three free performances and a trainer meet‑and‑greet on Aug. 14–15, offering family‑friendly demonstrations of agility and athleticism in downtown Davenport.

WQAD.com WQAD.com

Teen charged in shooting death of 7-year-old

A female juvenile, who was 14 at the time of the shooting, is facing a second-degree murder charge after a seven-year-old was shot in May.

WQAD.com WQAD.com

Closure of Joslin's Tyson Foods plant leaves local immigrants and refugees reeling

Officials with World Relief Quad Cities said 50 families they work with are out of a job almost overnight.

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Manhunt underway after officer shot in Muscatine

Residents in the south end of Muscatine are asked to shelter in place while police look for Mark Lee Jackson.

KWQC TV-6 KWQC TV-6

Police: Suspect at large after Muscatine officer shot

KWQC is working to learn more information.

KWQC TV-6  Iowa Libertarians nominate new candidates for lt. governor, 3rd District KWQC TV-6

Iowa Libertarians nominate new candidates for lt. governor, 3rd District

The Iowa Libertarian Party nominated new candidates Wednesday for lieutenant governor and 3rd District to appear on the 2026 ballot.

KWQC TV-6 Iowa State Fair Soapbox: Mitchell, Lahn address fairgoers KWQC TV-6

Iowa State Fair Soapbox: Mitchell, Lahn address fairgoers

Republican candidates Joe Mitchell and Zach Lahn addressed fairgoers at the Iowa State Fair on Friday, speaking to dozens of supporters at the Des Moines Register’s Soapbox stage despite rainy conditions.

OurQuadCities.com OurQuadCities.com

Officers on scene of gun-related incident in Muscatine

Officers are on the scene of a gun-related incident in Muscatine, according to a Facebook post from Muscatine County Emergency Management/911. "There is an active incident involving a firearm happening in the south end near the Rosebowl," the post says. "Please avoid the area and let responders do their job. We will notify when the [...]

WQAD.com WQAD.com

Crews responding to scene in Muscatine involving a firearm

The public is asked to avoid the area around the Rose Bowl bowling alley while first responders address the situation.

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Bob Vitas resigns as Moline's city administrator

The city announced the news after publishing Tuesday's city council agenda, which includes a resolution to appoint Barry Dykhuizen as interim city administrator.

OurQuadCities.com OurQuadCities.com

Moline City Administrator Vitas resigns, Dykhuizen will serve as interim

Moline City Administrator Bob Vitas submitted his resignation effective Friday, Aug. 14, according to a statement from the City of Moline. Vitas had been on paid administrative leave since Friday, Aug. 7. The City of Moline consistently conducts an annual evaluation process for administrative leadership, the release says: "As with any employment relationship, that process can lead [...]

WQAD.com WQAD.com

Experts break down local economic impact of Tyson plant closure

Two Quad Cities professors discuss how Tyson Foods closing its Joslin facility will impact over 2,500 employees and the local economy.

Quad-City Times Moline City Administrator Bob Vitas resigns effective Aug. 14 Quad-City Times

Moline City Administrator Bob Vitas resigns effective Aug. 14

He has been on paid administrative leave since Aug. 7 and submitted his resignation to the city effective as of Friday.

OurQuadCities.com 'I'm so hurt.' Employee's ties to Tyson's, Joslin, span generations OurQuadCities.com

'I'm so hurt.' Employee's ties to Tyson's, Joslin, span generations

Some of the more than 2,500 employees losing their jobs at the Tyson beef processing plant in Joslin, Ill., are speaking out. They're out of work after Tyson Foods announced it's essentially shutting down the plant in Joslin, on the western side of Illinois, as of Friday, Aug. 14. According to the company website, management [...]

Quad-City Times Quad-City Times

Incident involving firearm occurring in south end of Muscatine

Muscatine authorities are asking the public to avoid the south end near the Rose Bowl as there is an active incident involving a firearm.

KWQC TV-6 KWQC TV-6

First responders at scene of ‘incident involving a firearm’ in Muscatine, officials say

KWQC is working to learn more information.

KWQC TV-6  Moline city administrator resigns after being placed on leave KWQC TV-6

Moline city administrator resigns after being placed on leave

The city council will appoint the next city administrator and will begin that process immediately, a spokeswoman said.

WQAD.com WQAD.com

Annual mum sale benefiting Empowering Abilities

Proceeds from the fundraiser will be used to help Empowering Abilities put on social events for adults with disabilities around the Quad Cities.

WQAD.com WQAD.com

Bird's-eye views from across the Quad Cities region during the week of Aug. 14, 2026

Sit back, relax and enjoy these scenes captured by the News 8 drone from across the Quad Cities region this week.

OurQuadCities.com OurQuadCities.com

Another chance of heavy rain this weekend

So much rain coming down from this week with several inches of rain coming down over the past couple of days. Heading into the weekend we have already received almost the average amount of rainfall for the month of August. As we head into the weekend now, we are still tracking another chance of thunderstorms [...]

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Belly dancer Samantha Karadsheh previews Alternating Currents performance

Karadsheh joined The Current to show off a preview of her upcoming performance this Sunday at Davenport's Ecdysiast Arts Museum!

KWQC TV-6 Pritzker tours storm damage, signs flood relief bill expanding local Chicago programs KWQC TV-6

Pritzker tours storm damage, signs flood relief bill expanding local Chicago programs

Pritzker said the state and local governments are evaluating the damage as part of a process to decide whether more resources are necessary to help residents clean up from the storms.

WQAD.com WQAD.com

Empowering Abilities holding second annual mum sale fundraiser

Proceeds from the fundraiser will be used to help Empowering Abilities put on social events for adults with disabilities around the Quad Cities.

KWQC TV-6 How to keep pets safe during floods KWQC TV-6

How to keep pets safe during floods

As rain continues to fall, here are some tips on how to keep your pets safe during floods.

KWQC TV-6 North Liberty parks see over $38,000 in damage linked to e-bikes KWQC TV-6

North Liberty parks see over $38,000 in damage linked to e-bikes

North Liberty’s Fox Run Park, which opened a year and a half ago, has sustained thousands of dollars in damage the city says is likely caused by battery-powered devices like e-bikes.

KWQC TV-6 KWQC TV-6

The Satanic Temple sues Iowa over capitol access for holiday event

The Satanic Temple is suing Iowa officials, alleging the state violated its constitutional rights by repeatedly denying or delaying requests to hold a holiday event at the Iowa State Capitol.

Quad-City Times Quad-City Times

'Out of the blue': Refugee nonprofits move to support clients after Joslin Tyson plant closes

For more than 15 years, World Relief Quad Cities had recommended the Joslin Tyson plant as a place of work for newly-arrived refugees.

OurQuadCities.com OurQuadCities.com

Police investigate possible weapons threat at Rock Island High School

The Rock Island Police Department was called to investigate a possible weapons threat at Rock Island High School. According to a release from the Rock Island-Milan School District: We were made aware of an allegation at approximately 1:45 pm that there may be weapons outside of the school on school property. Upon receiving this information, [...]

North Scott Press North Scott Press

Stay connected this school year without the big bill

(BPT) - Back-to-school season can bring excitement, a fresh routine … and a long shopping list that can squeeze your family's budget. And this school year is set to be more expensive than ever before.According to PwC's 2026 US Consumer Poll on Back-to-School Shopping, parents expect to spend an average of $922 this year, and nearly half (47%) say they plan to spend more than they did in 2025.Technology has become an important part of the equation. From coordinating school pickups to sending a reminder about band practice, or accessing digital school resources and communicating with teachers, technology plays a big part in families' everyday lives. But as costs rise, families are looking for ways to spend smarter. Deloitte's recent back-to-school survey found that parents are planning to cut technology spending by 16% this year as they put off device upgrades. This makes finding the right value especially important.So, how can families get the technology and connectivity they need without further straining their back-to-school budgets? One place to start is with their wireless provider.Metro by T-Mobile is helping families stay connected while sticking to their budgets during one of the most expensive times of the year and beyond. With affordable wireless plans, value-packed device offers and weekly perks, families can find practical ways to save while keeping students connected at school, at home and everywhere in between.Value-packed device offersA new school year can be a good time to upgrade a student's device, but the cost can add up quickly. The good news is that customers who bring their number to Metro now can get a free Samsung Galaxy A37 5G with no activation fees — a $450 value — on the $40 PERIOD plan. Combined with unlimited 5G data and a five-year price guarantee on talk, text and 5G data, families can have peace of mind knowing how much they'll pay each month for their wireless plan.Affordable family plansWhen it comes to choosing a wireless plan, you need one that makes life easier and more affordable. That's why Metro offers affordable plans designed to help families stay connected during busy school days, after-school activities and everyday check-ins.For families with loved ones abroad, Metro also offers unlimited calling and texting to Mexico and select Latin American countries on select plans, making it easier to stay in touch with grandparents and other family members no matter where they are. It's just one more way Metro delivers value without compromise.Weekly savings beyond wirelessAn affordable family plan and device upgrade offers are just the beginning. Metro customers also get access to T-Mobile Tuesdays offers, including giveaways, discounts at restaurants and more. For families already juggling school supplies, after-school activities and everyday expenses, these weekly offers provide additional ways to save and add a little fun during the school week.Stay connected while sticking to your budgetBack-to-school shopping may be expensive, but staying connected doesn't have to be. With affordable plans, smart device offers and weekly savings, Metro helps families stay connected while making room in the budget for whatever else the school year may bring.To learn more about how you can save this school year without sacrificing connection, visit MetroByT-Mobile.com.LEGAL: Price guarantee: exceptions apply. $450+ based on Metro device discount and waived activation fee. If you use a lot of data, more than 35GB/mo., you may notice slower speeds when our network is busy. See details at MetroByT-Mobile.com.

WQAD.com WQAD.com

Resources for workers impacted by Tyson Foods plant closure in Joslin

Roughly 2,500 people have lost their jobs after the company announced Thursday that it would be ceasing operations at its Joslin facility.

OurQuadCities.com Bettendorf Lions Club bike ride raises program awareness OurQuadCities.com

Bettendorf Lions Club bike ride raises program awareness

The Bettendorf Lions Club is raising awareness about its vision initiatives at a charity bike ride later this month. The Bike for Sight Ride will be on August 29 from 9 a.m. – 1 p.m. at Veterans Memorial Park Bandshell, 1645 23rd Street in Bettendorf. Registration is $25 and includes a t-shirt that must be [...]

OurQuadCities.com Enjoy Dogtoberfest from Bettendorf Dog Park Alliance OurQuadCities.com

Enjoy Dogtoberfest from Bettendorf Dog Park Alliance

The Bettendorf Dog Park Alliance – partners of the Bettendorf Parks & Recreation Department and endorsed by the City of Bettendorf – has announced a date for Dogtoberfest 2026. Crow Creek Dog Park, 4800 Devils Glen Road, will host this free event on Friday, September 11 from 5 – 8 p.m. It includes auctions, raffle [...]

KWQC TV-6 KWQC TV-6

United Food and Commercial Worker International Union responds to Tyson Foods closure in Joslin

The Union Food and Commercial Workers International Union (UFCW) released a statement on Friday following the closure of the Tyson Foods beef processing plant in Joslin.

North Scott Press North Scott Press

Need to stay cool? Consider a portable power station

(BPT) - Does it feel like heatwaves keep happening, no matter where you live? It's not your imagination. June 2026 was the second-warmest June on record in North America, and this summer's heat is forecast to last longer into autumn. That puts more strain on the country's aging power grid, which can cause rolling blackouts and brownouts when people need cooling and refrigeration most.Beyond keeping cool when temperatures skyrocket, you need power to prevent food spoilage, and to run your home office and entertainment center. You may not know how much you really need power until you can't connect to your WiFi router, or use your washer or dryer, blender and hair dryer, and of course all your lighting.Smart solutions: Portable power stationsPower grid failures and storms have made portable power stations, once considered a "nice-to-have," must-haves. Fortunately, recent technology advances mean solar generators and portable power stations are more accessible than ever, with a variety of sizes and power outputs to suit the unique needs of every household.Jackery, a global leader in home backup, innovative solar generators and green off-grid energy solutions, offers multiple options to help you stay cool, whether you live in a house, apartment or anywhere else you want to be. These options give you peace of mind that you'll have the power you need to work, play and stay cool, no matter what Mother Nature or the power grid is doing.Options to keep you coolHere are solar power backup options from Jackery to meet your household's needs.Full home backup: Solar Generator 5000 Plus This option gives you the best of both worlds: connected home backup AND a portable power station. It can keep all your large appliances running thanks to its 5040 Watt hours (Wh) capacity, expandable up to 60 kilowatt hours (kWh). That's enough power to keep your home running through extended outages, not just overnight. Its Smart Transfer Switch connectivity offers 0 milliseconds (ms) Uninterruptible Power Supply (UPS) switching to keep computers, appliances and critical devices running without interruption.The 5000 Plus has a 7200W rated output/14400W surge power and recharges 8 ways, including up to 4000W solar input, giving you full AC charge in as little as 1.7 hours. The unit is compatible with both high- and low-voltage solar panels. It's also whisper-quiet, under 30 decibels (dB) and indoor-safe, with built-in wheels and pull handle for portability.Keep several appliances running: HomePower 3600 PlusThis generator's 3600W output and 3584Wh capacity, expandable to 21kWh, can keep your fridge running up to 14 days. A single unit runs on 120V and pairs for 240V. The unit connects to home circuits via Manual Transfer Switch and recharges six ways, including solar and standard AC power. The 6,000-cycle LFP battery provides over 16 years of durability, and the sub-10ms UPS switching keeps devices like fans, fridges and home offices running through outages.The HomePower 3600 Plus is also ultra-portable and ready to roll effortlessly from the kitchen to the garage as needed to power your fridge, water pump, dryer and more.Compact power backup solutions: HomePower 2000 Plus v2 and HomePower 1000 v2These units are part of Jackery's newly expanded home backup lineup designed for remote workers, apartment dwellers and homeowners who want reliable backup power and energy independence in more compact footprints.The HomePower 2000 Plus v2 has a 2400W output and 2048Wh capacity that can be expanded to 12kWh, providing power to weather blackouts with ease. The lightest expandable 2kWh system on the market makes powerful energy more portable than ever. And at just 30dB, it's so quiet that you can enjoy uninterrupted peace in your workspace or bedroom.With 1024Wh capacity, 1500W output and sub-10ms switchover, the HomePower 1000 v2 provides professional-grade backup to keep your PC running 100 times longer than a traditional Uninterruptible Power Supply (UPS). Built-in lightning protection and 3kV surge resistance safeguard your PC and fridge, ensuring your devices remain unharmed during lightning strikes or sudden restarts.Jackery Priority Routing™ lets you decide what stays powered. When the battery reaches your preset level, it automatically shuts down less critical devices and keeps essentials like your refrigerator, router, lights and other household appliances running as long as possible.Ultra-compact backup: FridgeGuardThis is the world's slimmest smart fridge backup, a design-forward solution that keeps refrigerators running during outages, which is especially valuable during heatwaves when food safety and other critical temperature-sensitive items are at risk. FridgeGuard is built with a wall-mountable 2.6-inch profile designed to blend seamlessly and quietly into your kitchen, or wherever its companion appliance is. You can tailor its orientation to any kitchen layout with floor-standing, bracket-mounted or wall-mounted options.FridgeGuard is purpose-built to protect your home's most essential, always-on appliance. It can be set up once and remain ready, and switches to battery power in under 10 milliseconds, fast enough that your refrigerator's compressor never registers a gap. With 1024Wh capacity, FridgeGuard delivers up to 15 hours of runtime (or 30 hours with an expansion battery).Solar-powered generators to depend on Jackery's home backup solutions have LiFePO4 battery chemistry engineered to retain at least 70% of their capacity after 4,000 full operating cycles (Solar Generator 5000 Plus) and 6,000 full operating cycles (HomePower 3600 Plus), about an 11-year and 16-year average lifespan, respectively. They offer eco-friendly, off-grid recharging via solar panels or vehicle setups for everything from short-term outages to long-term emergencies.Don't let the next heatwave leave you powerless. Check out all the energy backup solutions at Jackery.com.

OurQuadCities.com Listeria risk prompts recall of soup kit sold at Walmart stores in Iowa and Illinois OurQuadCities.com

Listeria risk prompts recall of soup kit sold at Walmart stores in Iowa and Illinois

Federal health officials report that a Maryland-based company is recalling soup kits sold in stores nationwide due to possible listeria contamination.

OurQuadCities.com OurQuadCities.com

Community Foundation of Greater Muscatine awards $229,000+ in grants

The Community Foundation of Greater Muscatine recently awarded over $229,000 in grants to support local charitable programs and projects through the Impact and Racial Justice Granting Programs. The grants support a wide range of initiatives, including education, human services, health, culture and racial justice. The Community Foundation’s competitive grant programs are supported by the County [...]

WVIK Meet some of the most decorated state fair competitors WVIK

Meet some of the most decorated state fair competitors

Iowans put their talents on display with competitive floriculture, fine art, baking, canning, weaving and more. Rob and Deb Zeitler have gone from winning blue ribbons to being featured at the Smithsonian.

Quad-City Times Quad-City Times

Ruhl&Ruhl Realtors receives award, Trinity Health Foundation hosting free event and more Quad-Cities economy news

Ruhl&Ruhl Realtors receives Silver Award from Sirva

WQAD.com WQAD.com

Quad Cities is hosting some last-minute events as summer comes to a close

From performances through Alternating Currents to a fireworks show for Tugfest, there are many family-friendly events taking place across the Quad Cities.

KWQC TV-6 KWQC TV-6

Lista de recursos para los trabajadores afectados por el cierre de Tyson en Joslin

Más de 2,700 personas fueron despedidas el jueves después de que la companía Tyson Foods anunció el cierre de su planta en Joslin, IL.

OurQuadCities.com OurQuadCities.com

What's changing for Alternating Currents because of rain?

Rain throughout the QCA is affecting some events for Alternating Currents. According to a Facebook post from Alternating Currents, 11:00 a.m. music events for Friday, August 14 were moved to inside venues: Because of rain issues, Dan Hubbard’s sets for Friday, August 14 are canceled: Our Quad Cities News will continue to check for updates [...]

KWQC TV-6 MLB announces Red Sox vs. Royals for the 2027 Field of Dreams game KWQC TV-6

MLB announces Red Sox vs. Royals for the 2027 Field of Dreams game

The Boston Red Sox will be taking on the Kansas City Royals at the 2027 Field of Dreams game.

OurQuadCities.com Student business owners host car wash for St. Jude OurQuadCities.com

Student business owners host car wash for St. Jude

Two Pleasant Valley High School student entrepreneurs are giving back to support the lifesaving mission of St. Jude Children’s Research Hospital. Kamran Foad and Tripp Barclay operate Luxury Shine Car Detailing, a mobile luxury car washing and detailing service serving the Quad Cities. They have already raised over $1,000 for St. Jude Children’s Research Hospital [...]

North Scott Press North Scott Press

Death Notice: Dorothy House

A celebration of life service for Dorothy "Dottie" House,  96, will be held at 11 a.m. Thursday, Aug. 27, at Faith Lutheran Church, Eldridge. Visitation will be one hour prior to the service at the church. Burial will be in Pine Hill Cemetery, Davenport. Chambers Funeral Home, Eldridge, is assisting the family with arrangements. Mrs. House died Friday, Aug. 7, 2026. Memorials may be made to Faith Lutheran Church of Eldridge, Waverly Gardens Foundation (5919 Centerville Road, North Oaks, MN 55127), or PEO (Philanthropic Education Organization) Chapter GW. Online condolences may be made at www.McGinnis-Chambers.com. A full obituary will appear in the Aug. 19 edition of The NSP. 

KWQC TV-6  Cedar Rapids youth sports coach accused of grooming minor in police sting KWQC TV-6

Cedar Rapids youth sports coach accused of grooming minor in police sting

A Cedar Rapids man is facing multiple charges after police say they caught him sending sexually explicit messages to a minor.

North Scott Press North Scott Press

How to open a business bank account

How to open a business bank accountOpening a business bank account is one of the first real steps in building a legitimate company. It’s also one of the easiest to delay if you don’t prepare.Banks care about three things: identity, legality, and compliance. Bring the right documents, and you can open an account in as little as a day with online platforms—though traditional banks may still take 1-2 weeks. Miss one, and you're stuck in a loop of emailing PDFs back and forth.This guide from Ramp covers exactly what you need to open a business bank account, how requirements differ by business type, and how to choose the right account for your company.Quick checklistGovernment-issued ID for all signersEIN or SSNBusiness formation documentsLicenses or permits (if required)Proof of business addressInitial depositOwnership details for 25%+ ownersGet these right, and opening a business account is quick.Why you need a dedicated business bank accountEven if you’re a sole proprietor, separating business and personal money isn’t optional if you want to grow.Legal protectionFor LLCs and corporations, commingling funds can jeopardize liability protection. If business and personal expenses mix, courts can hold you personally responsible for business debts.Cleaner accountingA single account for business income and expenses makes reconciliation, audits, and tax prep faster. No guesswork. No personal transactions muddying the books.Professional credibilityClients and vendors see your business name on payments—not your personal name. That matters when you’re negotiating contracts or getting paid faster.Better cash visibilityWhen all cash flows through one place, you can track burn, spot issues early, and make smarter decisions about hiring, spend, and growth.What banks require to open a business accountMost banks ask for the same core information. The differences show up by business structure and industry.1. Government-issued photo IDEvery authorized signer must provide a valid ID, such as:Driver’s licenseState-issued IDPassportExpired IDs will stall your application.2. EIN (or SSN in limited cases)An Employer Identification Number (EIN) is required for:LLCsCorporationsPartnershipsSole proprietors operating under their own legal name typically only need an SSN. However, if you're using a DBA (doing business as) name, you'll need an Assumed Name Certificate or similar documentation. Many banks still prefer an EIN regardless, as it provides cleaner separation and better protects your SSN. Applying is free and takes about 15 minutes on the IRS website.3. Business formation documentsThese prove your business legally exists.Sole proprietor: DBA certificate (only if operating under a name different from your legal name)LLC: Articles of OrganizationCorporation: Articles of IncorporationPartnership: Partnership agreementBanks usually accept digital copies, but some require certified versions.4. Business licenses or permits (if applicable)Required in regulated industries like construction, healthcare, food service, and financial services.5. Ownership informationFederal rules require banks to identify anyone who owns 25% or more of the business. Be ready with names, addresses, and ownership percentages. Note: This requirement does not apply to sole proprietors.6. Initial depositInitial deposit requirements vary widely. Many modern business accounts require no minimum deposit, while traditional banks typically ask for $25-$100 for basic accounts and higher amounts for premium services.7. Proof of business addressBanks need documentation showing your business's physical location. This can be a lease agreement, utility bill, or business property deed.Requirements by business structure Ramp Traditional banks vs. online and platform-based bankingYou’re not limited to brick-and-mortar banks anymore. Each option has tradeoffs.Traditional banksBest if you handle cash or want in-person service.Physical branches and cash depositsHigher minimum balancesMonthly fees are commonSlower onboarding for complex entitiesOnline and platform-based bankingBuilt for digital-first teams.Lower or no monthly feesFaster account openingReal-time visibility and modern toolsNo branches, limited cash handlingMost platform-based solutions partner with FDIC-insured banks to hold deposits while the platform provides software, controls, and automation.Platform-based banking: how it worksPlatform services act as intermediaries between you and FDIC-insured partner banks.The structure:A partner bank holds your deposits and provides FDIC insurancePlatform provides the software, interface, and financial toolsYou manage everything through the platform's appMany platforms require linking an existing business account before or during sign up for:Identity verification (often through micro-deposits)Backup funding if platform account balance is lowInitial funding of your new accountBest for:Digital-first businesses that rarely handle cashTeams that want expense management, cards, and banking integratedCompanies prioritizing automation and real-time visibilityStartups needing scalable solutions without branch visitsNot ideal for:Companies wanting face-to-face banking relationshipsCertain regulated industries (eligibility varies by platform)Step-by-step: how to open a business bank accountStep 1: Gather documentsHave IDs, formation docs, EIN confirmation, and licenses ready before you apply.Step 2: Choose your bank and account typeRefer back to the comparison table above. Look at fees, minimum balances, transaction limits, and integrations with your accounting stack. Choose based on your business model—not what worked for someone else.Step 3: Apply online or in personOnline is faster for straightforward structures. In-person can help if your setup is complex.Step 4: Fund the accountFund the account if required, and maintain any minimum balance to avoid fees.Step 5: Set up digital accessEnable online banking, two-factor authentication, and transaction alerts immediately.Common reasons applications get delayed or deniedIncomplete documentationOne missing document can delay approval by days. Use a checklist. Make sure your business name matches exactly across all documents—mismatches between your EIN, formation documents, and application will trigger manual review.Negative banking historyBanks may check ChexSystems or Early Warning Services. Online banks and credit unions are often more flexible.High-risk industriesExpect extra questions about revenue sources, transaction volume, and compliance. Answer clearly and honestly. Faster responses mean faster approval.What to do after your account is openConnect your account to accounting softwareReconcile transactions regularlyStore receipts digitallyAvoid mixing personal and business expenses in your accountClean records make it easier to raise capital, get financing, and close the books faster.This story was produced by Ramp and reviewed and distributed by Stacker.

Quad-City Times Quad-City Times

Davenport Police Department earns eighth award for advanced law enforcement accreditation

Davenport Police Department earns eighth award for advanced law enforcement accreditation from CALEA.

Quad-City Times Tyson workers confused, upset after Joslin plant's sudden closure Quad-City Times

Tyson workers confused, upset after Joslin plant's sudden closure

The parking lot was full on Friday, the last day of operation for Tyson’s plant in Joslin, Illinois. Workers learned of the closure on Thursday.

North Scott Press North Scott Press

Can you sue a grocery store for a slip and fall?

Can you sue a grocery store for a slip and fall?For most shoppers, going to the grocery store is a routine errand, not a place where they expect to fall and get hurt. While falls are often associated with older adults, they can happen under the most ordinary circumstances to people of all ages, and research shows that the consequences can result in more than a bump or bruise.According to statistics from the Centers for Disease Control and Prevention (CDC), accidental falls are a leading cause of unintentional injury in the United States. Over 410,000 people died from fall-related injuries over a recent 10-year period. During that time, for every person who died, 34 others were hospitalized, and 164 were treated and released from emergency rooms.While the CDC data focuses on all types of falls — at home, in the workplace, and other public locations — research specifically related to grocery store falls is much more limited. However, in a 2001 study published in the Journal of Prevention & Intervention in the Community, researchers examined slips and falls in malls and stores, identified common causes, and offered recommendations for retailers to protect their customers.David Resnick & Associates, P.C., explained the liability risks for grocery stores when it comes to slip-and-fall claims.Fruit — A Surprising but Significant Hazard in the DataThe researchers in the 2001 study investigated closed slip, trip, and fall insurance claims involving a chain of grocery stores in the Midwestern U.S. over 36 months and 22 malls over 24 months across the continental U.S. The causes of the majority of injuries in the supermarkets aligned with expected hazards, such as spilled water, wet objects, and solid foods. Grapes were a notable hazard, accounting for 5% of all slip-and-fall accidents in the study.Other common causes of slips, trips, and falls in grocery stores include uneven surfaces, cluttered aisles, loose or damaged floor mats, or the absence of floor mats in bad weather, all of which increase the likelihood of falls. Without regular inspections, proper housekeeping, clear cleanup policies, and placement of warning signs to notify customers of hazards, grocery stores can face potential liability for customer injuries.Legal Ramifications of a Slip and FallWhen a person suffers an injury because of a dangerous condition at a business, private property, or public space, they may be able to file a premises liability claim against an owner, tenant, occupier, or other responsible party. Premises liability is a branch of state tort law that allows a person to pursue compensation when a hazard causes them harm.In a premises liability or slip-and-fall claim, the accident victim generally must prove a property owner or other liable party was negligent in their management of the property. According to the Legal Information Institute at Cornell Law School, proving negligence generally requires establishing five elements:Duty ‒ In the grocery store context, establishing that the store had a legal responsibility to keep its premises reasonably safe for customers. Property owners should either correct known dangers or warn shoppers of them.Breach – The evidence must show the store failed to keep the property safe or warn customers of the dangerous condition. In many cases, this would mean the grocery store knew or reasonably should have known about the hazard and failed to address it.Causation – Proving that the store’s breach directly caused the injury. The accident must have resulted from an unsafe condition, not unrelated factors.Foreseeability – The injury was reasonably predictable because of the grocery store’s negligence, such as by leaving a spill on the floor for an extended time.Damages – Demonstrating that the victim suffered actual losses like medical bills, lost wages, and pain or suffering.Each state has a deadline for filing a slip-and-fall claim, known as the statute of limitations. People injured in grocery store slips, trips, or falls must file suit before the limitations period expires or risk losing their right to pursue compensation in court. While most slip-and-fall claims are resolved through settlements with the grocery store’s insurer, filing before the statute of limitations expires preserves the person’s right to sue if settlement talks break down. The deadline varies by state and by each person’s individual circumstances, so slip-and-fall victims may want to consider consulting an attorney before moving forward.This story was produced by David Resnick & Associates, P.C., and reviewed and distributed by Stacker.

North Scott Press North Scott Press

Why it might be time to book holiday flights already

Why it might be time to book holiday flights alreadyCould this be the year to book your holiday flights extra, extra early? The answer is yes.Sure, the calendar has only just flipped to August, and a lot of people haven't even jetted off yet on their summer vacations.What’s more, it feels a little strange to be thinking about brining turkeys, decking the halls or hitting the ski slopes while much of the country battles stifling heat waves.But if you want to avoid holiday sticker shock in 2026, you might not want to wait much longer. The Points Guy took a look at why now could be the best time to book your flights for end-of-year holiday travel.Airfare is hitting passengers' wallets — with no signs of reliefAs you (and your wallet) probably know by now, airfare has skyrocketed over the past five months.The conflict in Iran has sent global oil prices surging, and airlines have been quick to pass on those higher jet fuel bills to passengers.By the numbers: In June, average ticket prices were up a whopping 27% over last year.And the first snapshot of the 2026 holiday season isn't looking very promising, either, according to proprietary data shared with TPG this month by its partner Points Path.Thanksgiving airfareAs of this month, round-trip domestic fares for Thanksgiving are running nearly 13% more expensive than in 2025.Christmas and New Year's airfareDomestic fares for the year-end holidays (between Dec. 18 and Jan. 3) are up about 18% over last year.Hoping to fly internationally? On average, you'll pay about 19% more than a year ago.If oil prices come down, fares will drop … right?You might be thinking: "OK, but if tensions thaw in the Middle East and oil prices come down, won't fares drop?"That might not be the case. Over the past few weeks, executives at nearly every major airline said customers have been more than willing to pay the higher fares — giving carriers little reason to cut prices.United Airlines, for one, just had its busiest month ever in July."United has not seen a measurable demand impact based on the higher fares," United chief financial officer Michael Leskinen said on an earnings call last month. "And we believe they will continue to pay reasonable prices.""Nobody loves fare increases," JetBlue President Marty St. George added on an earnings call. "But at the end of the day, this is a business where we have to cover our costs."When to book holiday 2026 flightsSo what does that mean for booking holiday travel in 2026? It's pretty simple: Don't delay.When should you book Thanksgiving flights by?Last year, Thanksgiving fares rose with each passing month starting in July, according to Points Path data analyzed by TPG.The sharpest fare jump happened in mid-September.When to book by: Based on last year's pricing trends, it is recommended that you purchase your Thanksgiving flights as soon as you can — but no later than Labor Day weekend.When should you book later holiday flights by?As for Christmas and New Year's? According to Points Path data, fares last year started high and stayed high.While there were some fluctuations, waiting didn't offer customers much — if any — cost savings.And holding out for a discount in 2026 is especially risky, experts warn."The worst thing people can do this year is wait in hopes prices will come down when they are already elevated," Katy Nastro, chief spokesperson at the airfare site Going.com, told TPG.But what if the price does drop?Of course, the holidays are still months away.So what do you do if you book now and the price does come down later?Use a price-tracking toolThere are now fare-tracking tools that use artificial intelligence to help rebook you and save you money if your flight's price drops after you book. You'll just pay the company a portion of your savings.Or, do it yourselfKeep in mind, most airlines will let you change your ticket (or cancel and rebook) after you book your flight.By doing this, you won't get a full refund, but you'll keep the price difference in flight credit you can use for a future booking.Key tip: Just don't book a "basic" fare like basic economy. Those tickets typically don't allow changes, and you'll usually forfeit a fee if you have to cancel.Good news if you're using pointsIf you're hoping to use points to fly this holiday season, there's a way to capture the savings if the award pricing drops after you book.With most U.S. loyalty programs, you can cancel and get your miles (and taxes and fees) refunded — and then rebook at the lower rate. You can also consult points and miles valuations before booking.Just be mindful when redeeming miles over the holidays: With so many U.S. airlines now pricing redemptions dynamically, award rates tend to spike when fares spike.This story was produced by The Points Guy and reviewed and distributed by Stacker.

WVIK As speed cameras spread to more states, so does the backlash from drivers WVIK

As speed cameras spread to more states, so does the backlash from drivers

Millions of drivers across the country are encountering speed cameras for the first time, or will soon. Some don't like it, but advocates say there's clear evidence that cameras make roads safer.

OurQuadCities.com Hundreds participate in Freedom Run in East Moline OurQuadCities.com

Hundreds participate in Freedom Run in East Moline

Hundreds participated in the Freedom Run in East Moline. The Freedom Run is present by UnityPoint Health and is a military-themed event. Runners and walkers could choose from 5k and one-mile formats, and there were two races for kids. Races started and finished on 15th Ave. Each runner got a dog tag at the finish [...]

North Scott Press North Scott Press

The ROI of web accessibility: What the data shows

The ROI of web accessibility: What the data showsFor years, accessibility has been filed under the wrong heading. It shows up in budget meetings as a compliance cost, a legal checkbox, a line item to minimize. So leaders ask how little they can spend to stay out of trouble, and the conversation usually ends there.But the businesses that actually measure it see a different picture. Customers who came ready to buy hit a barrier and left, acquired traffic bounced at checkout, and search visibility eroded as the same gaps that block a screen reader also blocked the crawlers ranking the page. None of it showed up as a lawsuit, but as lost revenue.That’s what the compliance framing misses — accessibility is one of the few investments that protects you from risk while actively growing the business. It pays back through the customers you stop turning away, the legal exposure you remove, and the discoverability you gain across search and AI. Below, AudioEye explores each area in detail.The ROI of Web AccessibilityThe ROI of web accessibility comes from three combined returns: recovered revenue from customers who would otherwise abandon inaccessible transactions, reduced legal exposure from ADA-related lawsuits, and improved discoverability across both search engines and AI answer engines. For most businesses, the cost of ongoing accessibility is smaller than the cost of defending a single lawsuit.The Market Opportunity: Who Is Being ExcludedAccessibility is one of the largest addressable markets that most businesses are actively ignoring.Roughly 1.3 billion people worldwide live with a disability, according to a 2022 World Health Organization report, representing more than $1.3 trillion in annual disposable income. When you add the friends and family who make purchasing decisions alongside them, the influence stretches further.The barrier problem is nearly universal. According to the WebAIM Million Report a small fraction of the web is fully accessible today, which means most sites are excluding a share of every audience they pay to acquire. Every dollar spent driving traffic to an inaccessible page is a dollar partially wasted on visitors who cannot convert. Audioeye The Revenue Impact: What Inaccessibility Costs in Lost TransactionsThe clearest ROI signal is transaction abandonment. AudioEye’s 2026 Accessibility Advantage Report found that 62% of business leaders believe that accessibility issues have cost them completed transactions, highlighting that inaccessible design can have serious revenue implictions at the exact moment a customer is trying to give you money.Accessible design is good for everyone, not only users with disabilities. The same practices that make a site usable with a screen reader — clear headings, logical structure, descriptive links, readable contrast, and simple, direct language — reduce friction for every visitor. Those are the fundamentals of any conversion-optimized experience. Accessibility and conversion optimization are the same work, measured in two different ways.That overlap is why accessibility improvements tend to show up in performance data, not just compliance reports: lower bounce, easier navigation, and a smoother path to purchase for the whole audience.The Risk Side: What a Lawsuit Actually CostsThe other half of the ROI equation is exposure. Web accessibility lawsuits and demand letters have become a routine cost of doing business online, and the math is straightforward.Digital accessibility lawsuit filings have remained at near-record volume in recent years. And for an individual business, a demand letter typically settles in the range of $5,000-$20,000, with total costs (e.g., legal fees, fixes, and settlement combined) commonly reaching $25,000-$75,000.Set that against the cost of making a site accessible in the first place, and the comparison usually favors proactive investment. Defending or settling a single claim can cost more than a year of doing accessibility properly — and settling once does nothing to prevent the next letter if the underlying barriers remain.This is also where the choice of solution matters. Automated tools alone catch common accessibility issues, but can’t verify the parts that require human judgment, which is where legal exposure actually lives. A platform that combines automation with expert human testing, using certified experts and assistive technology to verify accessibility rather than assume it, further closes the gap that leaves businesses exposed.Accessibility Supports Discoverability, for Search Engines and AIThere is a direct overlap between accessibility and discoverability. The structural signals that help assistive technology understand a page, descriptive headings, semantic HTML, meaningful link text, and image alt text, are the same signals search engines use to crawl, index, and rank it.This overlap now extends to AI. Answer engines and large language models (LLMs) rely on clearly structured, well-labeled content to interpret and surface what a page says. An accessible page is a machine-readable page, which means accessibility increasingly determines whether your content gets cited in AI-generated answers, not just ranked in traditional search. The work you do to include human users pays off again in how discoverable you are to the systems that now mediate discovery.The Full ROI EquationPut the three pieces together, and the ROI accrues in three ways:Revenue you recover by no longer turning away customers who abandon transactions due to inaccessibility.Risk you remove by closing the exposure that drives demand letters and lawsuits.Discoverability you gain across both search engines and AI answer engines. Against those returns sits the cost of doing the work, a cost that, for most businesses, is smaller than the price of defending a single lawsuit.This story was produced by AudioEye and reviewed and distributed by Stacker.

WVIK Is there a summer COVID-19 surge this year? Yep, it's ramping up again WVIK

Is there a summer COVID-19 surge this year? Yep, it's ramping up again

Just like all previous summers since the pandemic began, COVID-19 cases are ticking up again, even while other health threats make more headlines.

KWQC TV-6 KWQC TV-6

Man sentenced to federal prison after threatening to shoot woman, shots fired incident outside Davenport bar

A Davenport man was sentenced to nine years and seven months in federal prison for a shots fired incident outside of Happy Hollow bar.

KWQC TV-6  Illinois has 1,260 cases of Cyclospora, Iowa hits 300 KWQC TV-6

Illinois has 1,260 cases of Cyclospora, Iowa hits 300

This week, a report found that the origin farm tied to the national outbreak hadn’t been inspected in seven years.

WVIK Mangione pleads guilty in federal court, leaving fate of state trial uncertain WVIK

Mangione pleads guilty in federal court, leaving fate of state trial uncertain

Mangione has pleaded guilty to stalking charges in connection with the death of Brian Thompson, a health care executive. A separate judge will decide the future of Mangione's state trial.

KWQC TV-6  Man killed in e-bike crash in Cedar Rapids KWQC TV-6

Man killed in e-bike crash in Cedar Rapids

The Cedar Rapids Police are investigating a crash that killed an e-bike rider Thursday evening.

Quad-City Times Quad-City Times

Rock Island schools open with increased caution, former student in custody

Officials said schools were never under a direct threat.

OurQuadCities.com Person in custody after suspicious internet search by former Rock Island-Milan student OurQuadCities.com

Person in custody after suspicious internet search by former Rock Island-Milan student

The Rock Island-Milan School District partnered with the Rock Island Police Department following suspicious online activity by a former student. According to a release: The district thanked the Rock Island Police Department for its quick response and communication to ensure the safety of students and staff without interrupting instruction.

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Former Rock Island student in custody following ‘suspicious internet search’

Former Rock Island-Milan student is in custody after a suspicious internet search, but police say there is no direct threat to local schools Friday.

KWQC TV-6 KWQC TV-6

List of resources for Tyson workers impacted by Joslin closure

Over 2,500 people were laid-off on Thursday after Tyson Foods announced the closure of their Joslin plant.

North Scott Press North Scott Press

Borrowers weigh trade-offs and opportunities when considering student loan refinancing

Borrowers weigh trade-offs and opportunities when considering student loan refinancingRefinancing is a common strategy for managing student loan debt, but the decision to refinance isn’t always straightforward. SoFi surveyed 750 borrowers to learn more about their attitudes toward refinancing, student loan types, and monthly payments. The results reveal what proportion of borrowers consider refinancing, what’s holding them back, and how being overwhelmed about the refinancing process creates a roadblock for many.Key FindingsMany borrowers (40%) hold a mix of federal and private student loans and carry a wide range of balances.Nearly half of borrowers have considered refinancing their student loans but haven’t applied.Some obstacles to refinancing student loans include feeling uncertain about savings, lacking clarity around the process, and feeling generally overwhelmed.For most borrowers, lowering their student loan interest rates and speeding up repayment are top priorities.More than half of respondents say their student loans are a significant source of daily stress.MethodologySoFi commissioned Qualtrics to conduct an online survey of more than 750 U.S. consumers with outstanding student loan debt. Respondents were required to have either refinanced their student loans within the past five years, considered refinancing but chose not to, or be actively researching refinancing options. The survey included borrowers with bachelor’s degrees, in graduate programs, or with Parent PLUS loans, as well as federal-only, private-only, and mixed-loan holders.Quotas were applied across age groups, census regions, household income levels, refinancing status, loan type, and borrower type to ensure broad representation of the target population.Introduction to Student Loan Refinance InsightsAccording to the College Board, 47% of students graduate college with student loans, a burden that can have a long-term impact on their finances. Refinancing is one way to manage repayment and potentially save money on loans, though it’s not always a straightforward decision.The survey of 750 borrowers about their student loan situation and stance toward refinancing asked questions like:What type of student loans do you currently have?What is your current total student loan balance and monthly payment?Have you considered refinancing your student loans?If so, what’s holding you back from refinancing?Here’s a deep dive into the results of the survey, along with the reasons that many borrowers consider but don’t move forward with refinancing their student loans.Many Borrowers Hold a Mix of Federal and Private Student LoansOne reason why managing your student loans may feel complicated is that you’re probably not dealing with a single lender or rule book. Many borrowers (40%, according to the survey) hold both federal and private student loans, which can have different structures and repayment options. An additional 1 in 10 borrowers say they aren’t sure what types of loans they have.Here’s how the results broke down: SoFi If you’re one of the borrowers managing both federal and private student loans, you’ll be dealing with two different sets of rules. Federal student loans have fixed interest rates and are eligible for various borrower protections, which may include income-driven repayment (IDR), deferment, and forgiveness programs.Private student loans, on the other hand, may have fixed rates or variable rates that move up and down with the market. They don’t qualify for IDR or forgiveness, and hardship-based deferment and forbearance options aren’t always available.Along with different rules, you’ll also have to deal with different payment deadlines, online accounts, and student loan servicers. Keeping track of your various accounts and payments can be a lot to juggle, especially on top of your other financial priorities.Borrowers Carry a Wide Range of Total Student Loan BalancesThe average student loan amount among undergraduate borrowers is $29,560 upon graduation, according to the College Board, but many borrowers take out different amounts. Some are chipping away at lower balances, while others have debt that goes into six-figure territory.Here’s how the range of balances breaks down: SoFi A combined 44% of borrowers owe $50,000 or more, while 19% carry $100,000 or more in student loans. Due to interest charges, borrowers can end up paying significantly more than they borrowed.Monthly Payments Vary Significantly Across BorrowersWhile your total student loan debt balance certainly can weigh you down, your monthly payments are what impact your day-to-day life the most. High monthly payments can limit your cash flow, making it harder to budget for other expenses, build an emergency fund, and save for the future.The student loan debt survey found that monthly payments range significantly among borrowers, with 21% paying less than $150 per month and another 20% paying $750 each month or more. SoFi Many Borrowers Have Considered Refinancing but Have Not Taken ActionStudent loan refinancing is a common strategy for adjusting the interest rate and monthly payments on student loans. If you have a higher credit score and income, you may get a better interest rate than you have now, which could reduce your monthly bills.You also get the chance to choose new repayment terms that align with your budget and financial goals. There is a downside, though, which is that refinancing federal student loans means losing access to federal benefits, like income-driven repayment and forgiveness programs.According to the student loan debt survey, many borrowers have considered refinancing student loans, but not everyone has made an effort to do so by applying for a refi. In fact, 46% said they have considered refinancing their student loans but haven’t done it. Recent changes in federal student loan repayment plans have likely only added to confusion. SoFi Top Reasons Borrowers Have Not RefinancedTo get to the root of why many borrowers consider student loan refinancing but don’t move forward with it, the survey asked about their primary barrier. Here are the results: SoFi Other borrowers wrote in their own responses regarding student loan refinance, with some saying they were relying on income-driven repayment and others sharing their credit scores weren’t strong enough to get approved to refinance student loans.Unlike student loan consolidation, which is a federal process, refinancing goes through private lenders and generally requires good credit to get approved.Confidence in Understanding Refinancing Varies WidelyA lack of confidence in understanding refinancing is one obstacle for borrowers. When asked how secure they would feel explaining student loan refinancing to a friend, the results were mixed.Over half of respondents felt very or extremely confident (52% combined), but another 48% ran from moderately confident down to not confident at all. This knowledge gap could be causing some borrowers to leave potential savings on the table. SoFi Comparing Rates and Understanding Savings Are the Most Overwhelming ChallengesThe most challenging parts of the refinancing process for borrowers were understanding their costs and savings, and comparing interest rates.More than 1 in 5 borrowers cited confusion around total savings or total cost as the main reason they feel overwhelmed, while another 16% said comparing interest rates was most difficult. In write-in responses, some borrowers also said “all of the above” was hard or “all of the process is foreign to me.” SoFi Lower Interest Rates and Faster Payoff Are Top PrioritiesWhile some borrowers find the refinancing process highly emotional, they have a clearer sense of what they’re hoping to achieve by restructuring their student debt.Most borrowers aim to reduce their interest rate or pay off their student loans faster, both of which could significantly lower interest charges over the life of the loans. Another 17% said lowering their overall stress about their debt sat at the top of their priority list. That same number (17%) said lowering their monthly payment was their primary goal.These two variables, rates and timeline, are interrelated. “When shopping for refinancing rates, pay close attention to repayment terms, which can vary greatly depending on the lender. The longer the term, the lower the monthly payments will be, but that means more interest will be paid over the life of the loan. Conversely, a shorter loan term may mean higher monthly payments, but less is paid in interest over the life of the loan,” explained Brian Walsh, certified financial planner and head of advice & planning at SoFi. SoFi Many Borrowers Would Refinance if Savings Were GuaranteedMany borrowers want a guarantee that they’ll save money with refinancing before they act. When asked how likely they would be to refinance in the next six months if refinancing guaranteed they would save money over the life of the loan, respondents said: SoFi That’s a total of 87% of borrowers who said they’d be somewhat or very likely to refinance if they knew it would save them money. Many lenders offer easy-to-use calculators to help prospective borrowers compare potential new loans with old loans. Student loan holders can also check their preliminary interest rates and terms online with no commitment or impact to their credit score.Student Loan Debt Is a Significant Source of Financial StressStudent loan debt is a heavy burden for many borrowers. The majority of respondents in the student debt survey (63%) ranked their student loan stress as moderately, very, or extremely stressful. Some write-in responses said they were “barely making ends meet” and “stressing out” over the state of the economy and their student debt obligations. SoFi The TakeawayAccording to the student debt survey, many student loan borrowers consider refinancing but are held back by confusion and feeling overwhelmed. Checking interest rates online and using simple calculator tools can help you compare options and estimate potential savings before you apply. Just make sure you understand the trade-offs of refinancing along with the benefits. Refinancing federal student loans means you’ll no longer have eligibility for federal repayment plans, forgiveness programs, or other benefits.This story was produced by SoFi and reviewed and distributed by Stacker.

Quad-City Times Erie Police Department to handle service calls in Albany starting Monday Quad-City Times

Erie Police Department to handle service calls in Albany starting Monday

Beginning Monday, Whiteside County deputies will no longer be the primary responders to calls from Albany, and those duties will move to the Erie Police Department.

OurQuadCities.com OurQuadCities.com

East Moline hosting meeting on Empire Park improvements

The City of East Moline is hosting a public informational meeting and hearing to discuss proposed improvements to Empire Park, including possible upgrades and replacement of playground and park equipment and other related park improvements. The meeting will be held on August 17 at 6:30 p.m. at City Hall Council Chambers, 915 16th Avenue. The [...]

North Scott Press North Scott Press

Could ‘cellular fragility’ be the missing link in chronic disease?

Could ‘cellular fragility’ be the missing link in chronic disease?Chronic disease has become one of the hardest health problems to ignore. The CDC reports that 3 in 4 American adults have at least one chronic condition, while heart disease and diabetes remain among the country’s leading causes of death and disability.Many of these conditions build slowly, often years before a clear diagnosis gives them a name. And that slow buildup is part of what makes them so difficult to understand.But while researchers have spent decades looking at organs and body systems, some are now asking whether chronic diseases begin with cells that have become less able to protect themselves.Here, Discover C15, which has researched odd-chain fatty acids and cellular resilience, examines the concept known as cellular fragility. It starts with the body’s smallest working parts.Why Health Starts at the Cellular LevelEvery human body runs on roughly 30 trillion cells, with about 200 distinct types built for specific jobs. Some carry oxygen, while others form tissue or help the nervous system send signals.Together, they create the base beneath every organ and system a person depends on. Grouped into tissue, those cells become the working material of the heart, liver, brain, and everything those organs make possible. Research has found that a healthy body also continually replaces what wears down, turning out 2 to 3 million new red blood cells every second.Each cell draws nutrients inward and clears waste outward, keeping its own small environment ready for work. And inside those cells, food and oxygen become the fuel behind a heartbeat or a single thought. But if the base begins to falter, the larger systems built from it have less room to function well.What Researchers Mean by “Cellular Fragility”The simplest way to describe cellular fragility starts with the outer boundary of a cell losing its strength. Every cell sits behind a thin membrane, a border that decides what gets in and what stays out while shielding the machinery inside. Sturdy fats keep that border firm enough to bend under daily pressure and spring back without tearing.Strip those fats away, and the membrane turns brittle, prone to tiny leaks and breaks that it can no longer patch. And researchers measure that tipping point precisely. Cells holding C15:0 at or below 0.2% of their fatty acids grow fragile and open to a form of self-destruction called ferroptosis.Dr. Stephanie Venn-Watson, who led the study naming the syndrome, told Longevity. Technology that replenishing those levels halts every core piece of what she called a new cell killer.The Connection Between Cellular Health and Chronic ConditionsFragile cells become more concerning when their damage starts moving beyond one cell at a time. Research published in Metabolites links low C15:0 levels to a greater risk of ferroptosis, a form of cell death tied to damaged fats and rising cellular stress. And that stress can strain mitochondria, leaving cells with less energy to handle repair and daily work.Over time, repeated damage forces the body to spend more energy cleaning up injured cells and less energy keeping tissues working well. The same research connects C15:0 deficiency with risks tied to metabolic health and liver health, while other studies have linked mitochondrial dysfunction with insulin resistance and Type 2 diabetes.Small failures at the cellular level can begin with a damaged membrane or a struggling mitochondrion. And when left unaddressed, those failures can place more pressure on the organs built from those cells.Why Chronic Disease Remains Difficult to Fully ExplainChronic disease rarely begins with one clear cause, and decades of research have shown that no single answer explains every case. Genetics may raise a person’s risk, but daily habits decide how often the body has to manage stress. Environment adds another pressure, especially when exposure builds over years without being easy to see.Nutrition sits in that same conversation, since the body has to work with the materials it receives day after day. The National Institutes of Health’s Precision Medicine Initiative reflects that reality by recognizing how individual biology, environment, and lifestyle all contribute to disease.Even with those pieces on the table, some outcomes remain hard to explain. But now cellular resilience may help researchers understand why one body holds up longer than another under similar pressure.The Growing Focus on Preventive and Cellular HealthHealthcare has spent generations getting better at treating disease after it appears, but chronic illness has pushed more attention toward what happens earlier. And preventive care begins in that earlier window, using screenings and routine visits to catch risk before symptoms become harder to manage.Healthy People 2030 notes that preventive care reduces the risk of diseases, disabilities, and death, yet many people still miss recommended services.Every missed screening can leave a preventable risk hidden longer than it should be. And the same concern is now moving closer to cellular health, where researchers and health-conscious adults are looking for earlier signs that the body may be losing strength from within.Longevity and healthy aging have helped bring those earlier signs into everyday conversation, making cellular health part of a wider move toward prevention.What Future Research May RevealResearch is only beginning to reveal how much a single cell can predict about long-term health. And the Human Cell Atlas mirrors that question at a global scale, with researchers building an open reference map of human cells to better understand health and disease.To build that map, new single-cell tools let scientists study DNA, RNA, and proteins inside individual cells, rather than relying only on larger tissue samples.By studying cells one by one, researchers are able to spot early signs of cellular decline before damage appears in a larger tissue or organ. And those signs may become future biomarkers, giving doctors better ways to estimate risk before chronic disease takes firmer hold.The work is still unfinished, but its value is already clear. A better map of cell behavior could give medicine an earlier place to look.Looking Beyond Symptoms to the Cellular FoundationHealth will always be a complex subject, and ongoing attention and research keeps moving it forward. Much of that complexity shows in chronic disease, which builds over years while the body gives few hints of what lies ahead.The hope now is to spot more of those warnings earlier, before the strain spreads into tissues and organs. And cellular health is becoming part of that search, with researchers looking at how well cells hold up across a person’s life. Learning how that strength lasts could move care closer to the first signs of trouble and change how medicine helps people age well.This story was produced by Discover C15 and reviewed and distributed by Stacker.

North Scott Press North Scott Press

The 15 newsletters startups are paying for in 2026

The 15 newsletters startups are paying for in 2026Michael Burry launched a paid newsletter, Cassandra Unchained, in late 2025. Within months, it was the No. 8 most-subscribed publication across all Brex customers, racing ahead of writers who spent a decade building their base.Burry’s two-decade-old reputation for contrarian calls made his newsletter a line item on startup corporate cards within months. That's what this benchmark from Brex measures: newsletter reading that survives an expense review.A decade ago, a founder's market intelligence was free: TechCrunch for funding news, Hacker News for technical arguments, Twitter for everything else. However, you could read all of it and still not know what to do on Monday. Free media is very good at telling you what happened, but much less useful at telling you what to do.Today, the operating knowledge lives behind paywalls, attached to specific newsletter names. Product-market fit questions go to Lenny's Newsletter. Engineering org problems go to The Pragmatic Engineer. A platform shift sends you to Stratechery.The newsletter stack has become part of company formation, as standard as the SaaS stack. While a personal subscription means you like something, a company subscription that gets expensed, approved, and renewed means it helps run your business. Based on Brex card data that identifies the publication behind each renewal charge, not just the billing platform, these rankings follow the writer, whether they publish on Substack, Ghost, beehiiv, or their own site. Those renewals add up to the startup economy's required reading list. Brex Brex Trend 1: The winners stopped selling newsletters and started selling memberships.The complaint about the newsletter boom is fatigue: too many sends, a few names absorbing everyone else's growth. But fatigue is an inbox problem, and the winners left the inbox. Lenny's comes with a 30,000-person Slack and software credits. Stratechery is a daily column, plus four podcasts. Unsubscribing from an email costs nothing; leaving a room with 30,000 people in it costs something.The same three names have led this list for a year, and they cover the three functions every company staffs first. Lenny Rachitsky covers product, Gergely Orosz covers engineering, and Ben Thompson covers strategy. Among Brex customers, these are the subscriptions a company expenses without a second thought, the way an earlier generation expensed trade magazines.Thompson predicted why value would flow to individual writers back in 2014, in his post, Publishers and the Smiling Curve: value in internet media flows to the two ends of the chain, aggregators on one side and ”focused, responsive, and differentiated” writers on the other. The middle is missing from this newsletter list. Nearly every entry is an individual writer or a small team that owns a subject. The leaders are still growing. Lenny's has more paid subscribers on Brex than No. 2 and No. 3 combined, and all three grew double digits, led by The Pragmatic Engineer at 36% growth. Engineering was where the money went in 2025; the reading budget followed.The Free Press is the one entry that isn't a business based on a single writer’s judgment. It climbed to No. 4, up 93%, and it scaled by selling. Paramount bought it for $150 million and put Bari Weiss in charge of CBS News. One writer's judgment scales on a laptop; a newsroom needs a payroll. That may be why the only newsroom on this list is also the only entry that got acquired. One rung below, Emily Sundberg's Feed Me newsletter is up 38%. Feed Me is a read about taste and consumer culture, and it sits four spots below Stratechery on the same corporate cards.Trend 2: Startups will pay to be told they might be wrong.Burry made his name being right about the 2008 crash after years of being told he was wrong, then spent two decades communicating in fragments. The newsletter reverses that: For the first time, his research is available to anyone with a subscription.Startups buy it for the same reason anyone buys research. Every company needs a view on AI, rates, and capital right now, and Burry offers a track record of being early and a habit of not caring who disagrees. Most subscribers probably don't think he's right, but they want to know early if he is. Two decades of credibility, and the market found it within months of launch. Startups pay for writers who can make them re-examine the default story.Trend 3: A healthcare-interoperability newsletter cracked the top 15.Brendan Keeler's Health API Guy, a newsletter about healthcare interoperability, debuted at No. 13 — and Christina Farr's Second Opinion jumped to No. 10, up 56%. An interoperability newsletter cracking a top-15 business reading list means a vertical is producing real companies. Once enough startups build in a category, general tech media is too broad, and industry trade news is too shallow, and the person who knows the information becomes valuable. A niche audience that needs the information pays more reliably than a broad one that merely enjoys it: Thesis Driven for real estate, Bankless for crypto, This Week in Fintech for financial services.A vertical newsletter climbing this list is an early signal that companies in that vertical are forming and spending. Just below the top 15, Fintech Business Weekly gives financial services a second dedicated read, and Chipstrat sits right behind it. Founders are now budgeting to understand semiconductor supply. Brex Why startups pay to readA business prices a purchase against the money it makes or saves, and newsletter subscriptions behave accordingly. In the Brex data, they get bought the way software gets bought: approved, renewed, carried from one budget cycle to the next. A few hundred dollars a year competes with the cost of a bad hire, a mispriced round, or a product bet made blind. If information from a newsletter improves a single decision, hire, pricing call, or product bet, it has covered a decade of renewals.Fifteen newsletters, most of them produced by writers working alone, are now a standing line item at tens of thousands of companies. What startups buy tells you what they think they don't know.Methodology and privacyBrex pulled paid newsletter subscriptions across all Brex customers, anonymized and aggregated, and compared October 2025 through June 2026 against the same nine months a year earlier. Brex's level 2 and level 3 card data identifies the publication behind a charge rather than just the billing platform, so the data reveals the individual writers getting paid. Brex never shares customer-identifiable information.This story was produced by Brex and reviewed and distributed by Stacker.

OurQuadCities.com Cook review: 'Brink of War' is better-than-average Cold War history OurQuadCities.com

Cook review: 'Brink of War' is better-than-average Cold War history

It's interesting. But it's not always entertaining. "The Brink of War" is based on the 1986 Reykjavik Summit between Mikhail Gorbachev (Jared Harris) and President Ronald Reagan (Jeff Daniels,) when the two had a discussion that eventually led to the 1986 nuclear arms control treaty. Reagan's focus is on both nuclear disarmament and human rights, [...]

Quad-City Times Quad-City Times

Man sentenced to federal prison for conspiring to traffic drugs throughout Quad-Cities

Last man to be sentenced in four-man conspiracy to distribute illicit drugs throughout Quad-Cities receives 10-year federal prison term.

WVIK We learned 5 important things about the economy this week WVIK

We learned 5 important things about the economy this week

From inflation, to credit card debt, to who's actually doing the spending: These are key takeaways from this week in economic news.

North Scott Press North Scott Press

The back-to-school health checklist families shouldn't skip

(BPT) - The transition from summer days to the back-to-school season is notoriously hectic. Between new routines, extracurriculars and supply shopping, schedules are packed. But there's one thing that shouldn't get lost in the shuffle: a back-to-school health checklist.From updating health forms to stocking up on medicine cabinet essentials, early preparation is key to keeping the household running smoothly. Samantha Picking, PharmD, senior director of immunizations at Walgreens, breaks down the health to-dos to knock out before the school year starts:1. Get ahead of seasonal and routine vaccinesThe start of a new school year is a good time to ensure the whole family is up to date on routine and seasonal vaccinations, such as those protecting against flu, COVID-19, tetanus, diphtheria and whooping cough.Pro tip: "Keep in mind that many vaccines take about two weeks to provide protection," Picking said. "That's why it's worth scheduling appointments before kids and teens are back in close contact with classmates and respiratory virus season ramps up."At Walgreens, patients can schedule vaccination appointments for up to four people in a single visit and book well in advance, giving families more flexibility to plan ahead and save time. myWalgreens® members can also earn $15 in Walgreens Cash rewards when they spend $5+ on their next eligible in-store purchase, plus 10% back in Walgreens Cash on eligible in-store purchases for 30 days when they get vaccinated.*2. Coordinate school medications and medical formsFor students with conditions like asthma or severe allergies, early coordination with school staff is essential. Make sure to check the expiration dates on emergency inhalers or epinephrine auto-injectors and verify that the school has updated health forms on file.Pro tip: "Don't wait until the first day of school to get those required medical forms filled out," Picking said. "Local pharmacy teams can also help refill essential emergency medications, so families are prepared before the first bell rings."3. Restock the medicine cabinetHaving sick-day supplies on hand is a key part of back-to-school readiness. Take stock of overall household health and wellness needs, including items like daily vitamins, cough drops, antacids, cough medicine, combination flu & COVID-19 tests and other essentials like a first aid kit.Pro tip: "As a mom of three, I always do a quick check of the medicine cabinet and replace anything that's expired or running low before the school year starts," Picking said. "It only takes a few minutes, but it means you're not caught off guard when someone actually gets sick."For families short on time, Walgreens has options to grab what you need with 1-hour Delivery and 30-minute Pickup.**4. Reset daily wellness habitsTransitioning from relaxed summer schedules to structured school routines can be physically taxing for kids and parents alike. Establish a consistent sleep schedule, prioritize nutritious meals and reinforce healthy habits, like proper handwashing and using hand sanitizer, to form a strong foundation for the year ahead.Pro tip: "Getting enough sleep and practicing good hygiene are two of the simplest ways to start the school year on the right foot," Picking said. "It's easy to let healthy routines slip during the summer, so ease back into them a week or two before school starts."Walgreens: A partner in health and back-to-school prepWalgreens is a one-stop destination for vaccinations, over-the-counter essentials and last-minute school supplies. Vaccination appointments can be scheduled online, through the Walgreens app or by calling 1-800-WALGREENS. For any questions, expert pharmacists are ready to provide trusted guidance and personalized support.*Must be a myWalgreens® member. Offer available for a limited time and valid for 14 days from vaccination date. Must scan coupon at checkout to earn rewards/activate. Coupon offer not valid in AR, NJ or NY. Limit three coupons per person. See coupon for terms and restrictions. Vaccines subject to availability. Walgreens administers applicable vaccinations for children ages three and older. State-, age- and health-related restrictions may apply. Additional terms and exclusions apply. Complete details, including Walgreens Cash rewards expiration dates, at Walgreens.com/offerdetails. $15 OfferEarn rewards on qualifying in-store purchases of $5+. Limit one storewide coupon redeemed per transaction, up to three redemptions per offer period. Maximum $45 Walgreens Cash rewards per member. 10% OfferEarn rewards on qualifying in-store purchases of $1+. Scan once to activate offer. Limit one offer per myWalgreens® member. Maximum $100 Walgreens Cash rewards. Offer valid for 30 days following activation. **Delivery in as little as 1 hour and Pickup in as little as 30 minutes based on national averages, actual times may vary. Pickup is available for eligible items when your order is $10 or more (after promo codes and paperless coupons are applied and before taxes). Exclusions, restrictions, and fees may apply. For details, visit Walgreens.com/same-day-delivery and Walgreens.com/Pickup.

WVIK The Taliban has taken a terrible toll on the education of girls -- and boys as well WVIK

The Taliban has taken a terrible toll on the education of girls -- and boys as well

Saturday marks the 5th anniversary of the current Taliban rule in Aghanistan. They've had a devastating impact on girls' education. A lesser told story is their impact on the education of boys.

OurQuadCities.com 4 Your Money | Wall Street vs. Main Street OurQuadCities.com

4 Your Money | Wall Street vs. Main Street

Although the stock market continues to reach record highs, many would argue that current economic conditions are burdensome for many households and businesses. David Nelson, CEO of NelsonCorp Wealth Management, is here to explain the disparity between the booming S&P 500 Index and the falling Consumer Sentiment Index.

North Scott Press North Scott Press

Home improvement scams are heating up this summer

Home improvement scams are heating up this summerThe Congletons of North Texas had finally secured the financing needed to build their next house. Jeremy, his wife, and their two daughters couldn’t wait to move in. After spending $250,000 of their hard-earned money, the family of four was bankrupt, living in a camper, and no closer to living in their dream home.The culprit? A married couple with a polished social media presence who falsely claimed to be architects and remodelers. Once they took the Congletons’ money, they didn’t start work immediately and became increasingly hard to contact.As shocking as it is, this story of home improvement fraud isn’t uncommon, PeopleFinders reports.Summertime Is Prime Time for Contractor FraudDuring winter, when most people are stuck at home, they start to notice projects around the house that need to be completed sooner rather than later. When the weather starts to improve, many homeowners begin calling contractors.With this increase in remodeling activity comes more chances for home improvement or home repair scams.Recent statistics show how devastating these schemes can be for ordinary homeowners:U.S. consumers reported 81,925 home improvement scams in 2024 (the most recent data).Nearly 1 in 10 Americans has experienced a home improvement scam.The median monetary loss for home improvement scams in 2024 was $1,800, according to the Better Business Bureau. Out of 27 scam categories, home improvement’s median loss was the fourth-costliest.6 Signs of Contractor ScamsThe first line of defense against home improvement scams is recognizing the signs of a dishonest contractor. Below are five signs you should watch out for this remodeling season.The contractor claims to have a limited-time deal for work that is heavily discounted due to having leftover materials from a previous job.They want you to compensate them in cash, prepaid debit cards, or other hard-to-trace payment methods.The contractor wants more than a third of the project’s overall payment up front.The remodeler insists that you finance the project through a “friend” of theirs or some other mysterious lender.The contractor or remodeler intentionally performs low-quality work, which then requires homeowners to pay more money to fix the issues.The contractor refuses to provide proof of a license and insurance.How to Verify a Contractor’s License and InsuranceVerifying a home contractor’s license and insurance coverage is perhaps the most important action you can take to prevent home improvement fraud.Except for small home improvement projects, contractors must hold current homebuilding licenses and certifications. Some states require a license for every home improvement project, regardless of cost.To confirm whether a contractor has a license, locate the database for your state’s general contractors. Alabama, for instance, offers an online roster search through the licensing board. Most states have these online resources, which let users search by license number or contractor name.The contractor should also supply you with a certificate of insurance (COI). The COI verifies coverage of general liability and, usually, workers’ compensation.Note that insurance coverage is not the same as a surety bond. Bonds, which can be general or project-specific, cover different kinds of losses. They’re more likely to compensate homeowners for home improvement fraud, although contractors who can obtain bonds in the first place are usually trustworthy.Other Ways to Protect Yourself from Home Improvement ScamsVerify Basic Identifying InformationBefore sending money, signing a contract, or sharing personal information, confirm that the contact details you received match official public records. A reverse phone or email lookup can help flag obvious inconsistencies.Call the Better Business Bureau and Other AgenciesMore often than not, trustworthy contractors are accredited with the Better Business Bureau (BBB). It’s worth checking out the BBB’s database before signing a home improvement contract. The National Association of Home Builders is another good resource for finding honest workers.Ask About Past ProjectsTo ensure a contractor has experience doing the type of work you want done on your home, ask them about projects they’ve completed. Contractors with actual experience are typically forthcoming about their past work. Many of them can rattle off statistics about the number of jobs they’ve completed or the combined value of past projects.Get a Second (or Third, or Fourth) OpinionLegitimate contractors should have no issue with your getting multiple estimates on a home improvement project. If you find that a particular contractor’s quote is much lower than the competition’s or if they’re pushy for immediate payment, for instance, you may be dealing with a scammer.Don’t Pay for Everything UpfrontContractors who demand a bunch of money up front may be thinking of leaving town. The standard upfront fees for many contractors range from 10% to 30% of the total project cost. Smaller jobs or those that require custom materials may require a 50% deposit, though that is rare.Always ask for itemized contracts to help you determine whether the upfront fee is reasonable.Protect Your Most Valuable Asset this SummerIf you believe a home improvement scam has already happened to you, get in touch with your state attorney general and the Federal Trade Commission. A simple people finder can also save you a lot of headaches and financial trouble. However, people search tools are not consumer reporting agencies and should not be used to determine eligibility for employment, contractor work, housing, credit, insurance, or any other purpose covered by the Fair Credit Reporting Act.This story was produced by PeopleFinders and reviewed and distributed by Stacker.

North Scott Press North Scott Press

Yellow means creepy: The color-coded anti-harassment system used by restaurant workers

Yellow means creepy: The color-coded anti-harassment system used by restaurant workersWhen Chef Erin Wade learned that most of her staff had experienced sexual harassment at her restaurant Homeroom in Oakland, California, she was stunned. The inciting incident back in 2015 involved a father of four who reached under a server’s blouse in front of his children. “We’re a family restaurant, our specialty is mac and cheese!” Wade recalls with lingering disbelief.Yet the more she spoke with employees, the clearer it became that Homeroom was not a particular hotbed for harassers. The problem, in fact, was everywhere. “My staff said they’ve experienced harassment in every restaurant they worked at, but they never before dared to bring the issue to their management,” she told Reasons to Be Cheerful.The restaurant industry remains rife with harassment: Nearly 80 percent of female staff and 49 percent of male staff report having experienced sexual harassment at work from clients, chefs and co-workers, according to a 2014 study by Restaurant Opportunities Centers (ROC) United. Two-thirds of adults in the U.S. have worked in restaurants at some point in their lives, according to one survey, so the magnitude of the issue is enormous. And existing training programs, such as bystander training, have been shown to have short-term effects, but limited lasting impact without broader organizational changes.At Homeroom, Wade and a group of female staffers decided to create a three-step system, simple enough to function for the nearly 100 employees even during a chaotic dinner rush. Customer behavior was color-coded: yellow, orange or red. “Yellow refers to a creepy vibe or unsavory look,” Wade explains. “Orange means comments with sexual undertones, such as certain compliments on a worker’s appearance. Red signals explicit sexual comments, touching, or repeated incidents in the orange category after being told the comments were unwelcome.” Courtesy of Erin Wade When a staff member experiences harassment, they report the color — “I have a yellow at table three” — and management is required to respond immediately, no questions asked. With a yellow, the employee could choose to switch tables. Orange means the manager or another server immediately takes over the table. If red is reported, the manager ejects the customer from the restaurant.The surprising result: Since Homeroom implemented the system over ten years ago, the most egregious harassment has ceased to be a problem. Yellows and oranges still occur, but Wade has to reflect for a while before she remembers the last time a server saw red. She believes that the system is “so effective because it changes the power dynamics at a very basic level. It doesn’t require staff to question their feelings and cuts off bad behavior before it can even start. Maybe a customer is checking out a server and thinking about making a move, and then a totally different person takes over and they never see the first server again.”She has since expanded the three-step system for use with racist incidents or even when clients are just plain rude. “If someone wears a really offensive t-shirt, like a white guy wearing a shirt with the N-word, he shouldn’t eat here,” Wade says. “I’d rather lose a customer.”Most importantly, since Wade first wrote publicly about the system in a 2018 Washington Post op-ed, the anti-harassment recipe has spread far beyond the now three Bay Area Homeroom restaurants. The government agency tasked with enforcing harassment legislation, the U.S. Equal Employment Opportunity Commission, adopted the method as a national best practice after consulting with Wade. “I walk into places all the time and discover they’re using it,” Wade says. “I was at [the cocktail bar] True Laurel in San Francisco recently and saw our poster hanging on the wall.”The model has spread beyond California, often through former Homeroom employees who opened their own establishments elsewhere –– for instance, at Good Times Bagels in Boise, Idaho, founded by a former Homeroom manager. Since selling her majority stake in Homeroom in 2020, Wade has been investing in other restaurants and coaching other restaurant founders across the U.S. and in countries as far away as Copenhagen. “A lot of the hospitality leaders there already knew about the system or were using it in their restaurants and bars,” she says.What surprised Wade most was how organically the model spread. “It’s taken on a life of its own,” she says. One reason the system works, Wade believes, is precisely because customers often do not realize it is being used. “We never announced it,” she says. “To me, that’s part of the elegance of it.” If a server experiences discomfort, another staff member could simply take over the table without publicly confronting the customer unless the situation escalated to a red. “From a hospitality perspective, that’s actually better,” Wade explains. “Most of the time it just means a different person takes over your table. I didn’t see the benefit of announcing why.”Some restaurants display the policy publicly as both a point of pride and a deterrent. Wade understands that approach as well. “Some want guests to know: we’re aware of these issues, so don’t try something.” But at Homeroom, discretion has remained central, except for when a customer is asked to leave, at which point he is told the reason (and in Wade’s experience, it was always a he). Remarkably, the original framework is virtually unchanged. “Like many systems that work, it’s effective the way it’s written,” Wade says.Recently, a fellow restaurateur suggested customers committing a “red” offense should receive a warning before being thrown out. Wade refused to dilute the policy. She said her friend could interpret it as she liked, but, “I said, if you want me to train your staff, it has to be the system as written,” she recalls. “I don’t think people should get warnings for behavior that’s clearly across the line.” The clarity, she argues, is precisely what makes employees feel safe.Wade, a lawyer by training and a feminist at heart, is not your typical restaurant owner. She has a degree from Princeton and worked in the restaurant industry before studying law, but found the experience in the kitchen so stressful and degrading that she didn’t see a future there. But after long days in her law office, when she craved mac and cheese, she couldn’t find a cozy restaurant open late at night to order her comfort food from. And so she founded Homeroom in 2011, with the slogan: “Homeroom is the best part of your day.”“That’s my mission, for my clients as well as for my staff,” Wade says. “Therefore, we have a zero-tolerance policy.”But she also realized that diversity was essential to the solution. When she started Homeroom, all shift managers on the floor were men. “That was part of the problem. You should never have any layer of management just composed of one group, whether female or male,” Wade argues. “Men and women often think differently about what they find inappropriate or threatening.” She now takes pride in the fact that she diversified every layer of management. “[A] restaurant is about so much more than food, it’s about community building and also creating social change through different means.”For her, the deeper lesson is not simply demographic diversity but organizational trust. “This system only works if you already have a culture of communication and transparency,” Wade says. She implemented an open-book policy for the company, sharing financial information with employees and inviting staff to management meetings. “If you already have a lot of ways for staff to communicate with leadership, then saying, ‘I’ve got an orange at table five’ doesn’t feel scary,” Wade explains. “It’s not the first difficult conversation you’ve ever had.”For instance, she invited employees to fill out feedback forms after every shift describing what had gone well, what had gone wrong and what could be improved. “We made hundreds of incremental improvements that way,” Wade says. “Not just around culture — around efficiency, staffing, workflow. It made the business stronger.”The approach requires significant investment of time and labor. But Wade argues the payoff extends far beyond employee morale. She says it increased productivity and retention, too, noting that employees stay an average of two-and-a-half years, compared to the industry average of fewer than 90 days, and that Homeroom’s financial metrics put it in the top one percent of restaurants in terms of revenue per square foot. “I think people stayed because they felt protected and connected,” she says. “This is just good business. Any customer-service business could use it.”This story was produced by Reasons to be Cheerful and reviewed and distributed by Stacker.

OurQuadCities.com OurQuadCities.com

Davenport man sentenced to federal prison for possessing firearm as felon

A Davenport man was sentenced on August 12 to 115 months (just over 9 ½ years) in federal prison for possessing a firearm as a felon. According to public court documents and evidence presented at sentencing, Deveil Oliver Jean Westerfield, 28, possessed several firearms, including a rifle with an extended magazine. Officers responded to a [...]

KWQC TV-6  Milan mayor urges RI Co. board to refuse permit for battery storage facility KWQC TV-6

Milan mayor urges RI Co. board to refuse permit for battery storage facility

Milan Mayor Bruce Stickell is urging Rock Island County leaders to reject a proposed 200-megawatt battery storage plant over fire safety concerns.

North Scott Press North Scott Press

Curfews, drones, and criminal charges: Cities differ on approaches to ‘teen takeovers’

Curfews, drones, and criminal charges: Cities differ on approaches to ‘teen takeovers’In Raleigh, North Carolina, local officials are weighing an emergency youth curfew. In St. Augustine Beach, Florida, police say real-time social media monitoring helped them stop a planned youth gathering before it began. And in Washington, D.C., U.S. Attorney Jeanine Pirro has threatened to criminally charge parents whose children repeatedly participate in disorderly crowds.Communities across the country are trying to figure out how to respond to what have been dubbed “teen takeovers,” The Marshall Project reports. A somewhat imprecise term, it has generally been used (often by organizers themselves) to describe large groups of teenagers and young adults who follow social media cues to gather quickly in public spaces like commercial districts, malls, parks or beaches.Crowds at reported events have ranged from a few dozen to several thousand people. While they are generally promoted as social gatherings, some have devolved into disorder, fights, robberies, property damage and, less frequently, shootings. Private security guards, local businesses, and police have all described feeling overwhelmed by some of these gatherings.Explanations for their apparent popularity vary. Some researchers have pointed out that the young people participating are the same ones who had their most formative social years interrupted by the pandemic. “They just want to be out in public, outside, socializing — not online," Lily Robin, a senior researcher at the Urban Institute, told The Washington Post. Others point to the dwindling supply and rising costs of so-called “third spaces,” areas other than home and school, where young people used to congregate, like bowling alleys and skating rinks.There are also competing theories about why these events have sometimes led to destruction and disorder. Some argue that social media incentivizes a kind of “performance crime,” pushing the boundaries of the risky behaviors teenagers are willing to engage in. Others point to the psychological phenomenon of deindividuation, where people in group settings feel a sense of anonymity and “morph into this big giant identity where I can do anything and nobody can identify me,” adolescent psychiatrist Dr. Khalid Afzal told the Chicago Tribune.Race and class also loom heavily over the media and civic response to “teen takeovers,” many of which have involved Black and Latino youth. “Because it’s Black youth gathering, because it’s Brown youth gathering, we see it as being a threat,” sociologist Almethia Franklin told The Washington Post.Georgetown law professor Kristin Henning told NPR that these takeovers often feature young people from underresourced parts of town “taking over, if you will, or visiting” nearby public areas that have been gentrified or commercialized, where they may feel unwelcome. “That contrast can give takeovers the appearance of a spontaneous revolt, one that illuminates the extreme economic disparities of our era,” wrote Robert F. Worth for The Atlantic.More conservative critics argue that the gatherings reflect failures of parental supervision and personal responsibility, compounded by juvenile justice reforms they say have weakened consequences.Across these competing explanations, one point of broad agreement is that social media has transformed the scale and speed of these youth gatherings. Anonymous organizers can reach hundreds of thousands of people with a single post, and withhold the planned location to stay ahead of authorities, dropping a GPS “pin” at the last moment.Many cities are turning to familiar tools to attempt to rein in the gatherings. In Newport Beach, California, police made over 400 arrests of 15-to-25-year-olds over the July 4th weekend after reports of young people blocking roadways and directing fireworks and projectiles at crowds. Authorities cited “teen takeovers” as factors in mass arrest incidents at Memorial Day gatherings in Tampa, Florida; Hampton Beach, New Hampshire; and Chicago this spring. Some of the arrests in all three incidents involved deadly weapons and violent crimes, but most were for more minor offenses.In Naperville, Illinois, police Chief Jason Arres was blunt about his approach in June: “If you break the law, there will be no warnings; there will be no second chances.”Juvenile curfews have also been a popular approach, and Charlotte and Raleigh, North Carolina, were considering such efforts in mid-July. In Washington, D.C., a curfew took effect earlier in July. It bans youth under 18 from being out between midnight and 6 a.m., and allows the police chief to establish “target zones” where the curfew could begin as early as 8 p.m., for groups of nine or more young people.Research has generally shown that youth curfews are ineffective in curbing violent crime, and they can lead to unnecessary interactions between police and young people who are not otherwise committing any crimes.Another approach that has gained some traction is threatening charges against parents over their child’s involvement in disorderly behavior, which has been floated in Washington, D.C., as well as Raleigh and Chicago, where a proposed ordinance was ultimately rejected in June.An analysis by R Street, a think tank that promotes free-market and conservative policies, noted that these kinds of prosecution schemes are rarely used in practice, and that “child welfare advocates contend that destabilizing families who are already struggling ultimately aggravates delinquency rather than preventing it.”Other agencies are trying technology-based approaches. On Cape Cod, in Massachusetts, police are using drones with thermal imaging to monitor beach crowds and intervene before they grow. In St. Augustine Beach, Florida, authorities monitoring social media with the county’s Real Time Intelligence Center said they spotted the flier for a planned “takeover” and circulated on their own channels that the event was “cancelled,” before tracking down the person who posted it and issuing a cease and desist order. The department also deployed extra officers to the advertised location ahead of the scheduled time.Bronx, New York District Attorney Darcel Clark sent a letter to major social media platforms like TikTok, Snapchat, Instagram and YouTube this spring, requesting that they "take proactive measures to prevent the spread of content that encourages riots and other unsafe mass gatherings." Clark later said a meeting with some top platform executives was “insightful and productive,” but it’s unclear whether any platforms have made concrete efforts to limit gatherings.Many jurisdictions are also trying to prevent the gatherings with alternative programming alongside, or instead of, law enforcement responses. Tampa has paired enforcement with midnight basketball and other summer programs. City leaders in Detroit funded a teen “kickback” with food trucks and entertainment, but reported poor attendance. In Chicago, Mayor Brandon Johnson pushed for free passes for teens to YMCA facilities across the city, and organizers of a “peace takeover” featuring Chance the Rapper drew impressive crowds in June.“Kids are just trying to find community within themselves, trying to coexist with each other,” Da’Mon Dantzler, 20, told Block Club Chicago of the event. “It’s peaceful and organized instead of being reckless.”This story was produced by The Marshall Project and reviewed and distributed by Stacker.

North Scott Press North Scott Press

Where job scams happen most: 2026 study

Where job scams happen most: 2026 studyFor job seekers, the search for a new role now comes with an added source of stress: determining whether an opportunity is real or an attempt to exploit their need for work. Employment scams rank among the most common types of consumer fraud, and they’re on the rise, according to the Better Business Bureau. Scammers use career boards, social media and generative AI to impersonate recruiters and promote fake openings that may appear legitimate. These scams frequently promise flexible hours and unusually high pay to lure victims into providing personal information, making up-front payments or granting access to financial accounts.SmartAsset analyzed the two most recent years of Federal Trade Commission data categorized as job scams to identify where reports increased the most. The study also measured how common these reports were in each state.Key FindingsThe frequency of reported job scams increased in every state. South Dakota saw the largest year-over-year increase, with reports rising by nearly 85%.Job scammers may target people facing a difficult labor market. Nevada had the highest annual unemployment rate in 2025. It also had the highest rate of reported job scams that year, at approximately 502 reports per 1 million residents.Low unemployment may have a modest correlation with fewer reported job scams. The six states with the fewest reported employment scams per 1 million residents all had unemployment rates well below the national average.Young adults report job scams more often than other types of fraud. While many scams target senior citizens, job scams are the most commonly reported fraud category among 18- to 34-year-olds.Expert Insight“Job seekers should always be cautious,” said Gilbert Michaud, Ph.D., assistant professor of environmental policy at the School of Environmental Sustainability at Loyola University Chicago. “Common warning signs are poorly written advertisements, recruiters who avoid video conversations, being asked to pay fees or share sensitive information, or offers that come fast and with high salaries. These types of scams have become more prevalent with hybrid and remote work.”Michaud studies clean energy workforce development at Loyola and is a faculty affiliate at the Gerald R. Ford School of Public Policy at the University of Michigan. SmartAsset spoke with this expert to add outside perspective; he did not participate in the study’s analysis, methodology or findings.  SmartAsset SmartAsset States With the Biggest Increases in Job Scams1. South DakotaReports of job scams per million residents: 215.7Reports in 2025: 194Reports in 2024: 105Year-over-year increase: 84.8%2. MaineReports of job scams per million residents: 257Reports in 2025: 354Reports in 2024: 207Year-over-year increase: 71.0%3. AlaskaReports of job scams per million residents: 263Reports in 2025: 193Reports in 2024: 117Year-over-year increase: 65.0%4. North DakotaReports of job scams per million residents: 197.6Reports in 2025: 154Reports in 2024: 99Year-over-year increase: 55.6%5. New HampshireReports of job scams per million residents: 278.9Reports in 2025: 387Reports in 2024: 253Year-over-year increase: 53.0%6. AlabamaReports of job scams per million residents: 299Reports in 2025: 1,511Reports in 2024: 1,042Year-over-year increase: 45.0%7. New MexicoReports of job scams per million residents: 279.9Reports in 2025: 592Reports in 2024: 411Year-over-year increase: 44.0%8. OklahomaReports of job scams per million residents: 277.8Reports in 2025: 1,110Reports in 2024: 778Year-over-year increase: 42.7%9. KentuckyReports of job scams per million residents: 262.3Reports in 2025: 1,183Reports in 2024: 835Year-over-year increase: 41.7%10. ArkansasReports of job scams per million residents: 276Reports in 2025: 837Reports in 2024: 592Year-over-year increase: 41.4%MethodologyThis analysis examined fraud reports submitted to the Federal Trade Commission (FTC) in 2024 and 2025, the most recent years available. Reports categorized as “Job Scams and Employment Agencies” by the FTC’s Consumer Sentinel Network were aggregated by state and used for the analysis. States were ranked by reports per 1 million residents in 2025 and by the percentage increase in reports from 2024 to 2025. Because FTC data reflects reported incidents rather than all fraud, actual fraud levels may be higher, and differences in reporting behavior may affect comparisons. Source data providers are not affiliated with, and do not endorse or sponsor, this study or its findings.This story was produced by SmartAsset and reviewed and distributed by Stacker.

North Scott Press North Scott Press

Stephen King responds to his books being banned in Utah public schools

Stephen King responds to his books being banned in Utah public schoolsIn early July, bestselling horror author Stephen King had his second title, “Different Seasons,” added to an ever-growing list of books banned in all Utah public schools.And while King said he doesn’t usually “respond to queries about book banning,” he believes “this case is a little different.”In a statement to The Salt Lake Tribune, King wrote:“The thing is this: I get letters from teenagers all the time that say things like, ‘I wasn’t a reader until I picked this book up.’ It’s true of ‘The Stand’ and ‘Pet Sematary,’ but even more true of ‘Different Seasons.’”“Different Seasons” is a collection of four short novellas tied together through various seasons. Three of the four — “Rita Hayworth and the Shawshank Redemption,” “Apt Pupil” and “The Body” —inspired film adaptations.“Most of them have seen ‘The Shawshank Redemption,’ and teens like a story about an innocent man escaping jail. ‘The Body,’ made into the movie ‘Stand By Me,’ is even more relatable to teens,” King wrote. “All I’m saying is that if the book is in high school libraries, some bored teenager might pick it up and find out how good stories can be.”Under a 2024 Utah law, if three school districts, or two districts and five charters, remove the same book for containing “objective sensitive material,” all public schools in the state must remove the book.This law doesn’t apply to private schools or businesses.“First and foremost, the book wasn’t banned. I assume it’s still in bookstores and many public libraries, because free expression is part of the American ethic,” King wrote.Some local independent bookstores are giving out free copies of books on Utah’s banned list.“I hope this will be instrumental in the various Utah school boards changing their minds about ‘Different Seasons,’” King wrote in his statement.King is the most banned author in U.S. schools, according to a report from PEN America, with 87 of his works being censored 206 times during the last school year.Another of King’s books, “Bag of Bones,” was the 23rd book banned in Utah public schools. On the Utah list, his work is accompanied by titles from Margaret Atwood, Judy Blume, John Green, Toni Morrison and Ellen Hopkins, among others.On the social media platform X, following the ban of “Different Seasons,” King wrote: “What’s wrong with these people?”At the end of his written statement shared with The Tribune, King said, “Ordinarily I say ‘Go to a library or bookstore and find out what the suits don’t want you to read,’ but this case is a little different.”This story was produced by The Salt Lake Tribune and reviewed and distributed by Stacker.

North Scott Press North Scott Press

The hidden dangers of buy now, pay later

The hidden dangers of buy now, pay laterYou may have seen jokes about splitting a burrito into four payments. The punchline may sound harmless, but the trend signals a serious shift in consumer borrowing. Buy now, pay later (BNPL) products have become a routine checkout option for clothing, electronics, groceries, food delivery, and other everyday purchases.BNPL can be useful when payments are planned and affordable. But it is still credit. When several small payment plans overlap, a convenient checkout feature can turn into a difficult-to-track web of due dates, fees, overdrafts, and financial stress.Below, CreditNinja explores the proliferation of BNPL, potential pitfalls for consumers and providers, and ways to protect overall financial health for BNPL users and prospective users.The Buy Now, Pay Later ExplosionInstallment credit is not new, but digital BNPL products have made borrowing faster and more deeply integrated into online shopping. In the Federal Reserve's 2025 household survey, 16% of U.S. adults said they had used BNPL during the prior 12 months, up from 10% when the survey first asked about it in 2021. CreditNinja The products are no longer limited to expensive purchases. Consumers may encounter pay-over-time options for restaurant delivery, groceries, apparel, electronics, furniture, appliances, and relatively inexpensive household products. These repeated small loans can be harder to notice in a budget than one large balance.Retailers have a strong incentive to offer BNPL. Affirm has promoted merchant case studies and platform data showing that pay-over-time options can lift conversion, average order value, and revenue. One published Affirm example reported up to a 14% revenue lift, while another cited a 21% conversion increase for purchases above $250. Those are merchant-performance claims, not guarantees for every retailer, but they help explain why BNPL buttons appear so often at checkout.Who's Using Buy Now, Pay Later?BNPL use is especially common among younger and lower-income consumers. Federal Reserve data show higher usage among adults under 60 and among households earning less than $100,000.It also showed that 23% of adults with family income between $25,000 and $49,999 reported using BNPL, compared with 12% of adults earning $100,000 or more.The same data show that financial necessity is a major reason people use these products. Fifty-nine percent of BNPL users said the service was the only way they could afford the purchase, while 87% said they wanted to spread out payments.Common BNPL purchase categories include:Clothing, shoes, and accessoriesElectronics and technologyFurniture and home goodsAppliancesGroceries and other household essentialsA 2026 LendingTree survey found that 29% of BNPL users had used the loans for groceries, up from 14% two years earlier. Clothing and technology remained more common categories, but the growth in grocery financing suggests that BNPL is increasingly being used to manage basic expenses, not just discretionary shopping.The Reality Behind the ConvenienceIt is easy to frame BNPL as a problem caused only by impulsive shopping. The evidence is more complicated. Many users are trying to smooth irregular cash flow or cover purchases they otherwise could not afford. That does not make the debt safer; it means the underlying financial pressure may already be severe.The Consumer Financial Protection Bureau found that more than three-fifths of BNPL borrowers in its matched 2022 data held multiple simultaneous BNPL loans at some point during the year. One-third borrowed from multiple providers. BNPL borrowers were also more likely to carry higher balances on other unsecured credit accounts.When loans are spread among several apps, no single account screen necessarily shows the borrower's full obligation. A $15 installment here and a $30 installment there can feel manageable until several payments hit the same checking account within a few days.The Debt Trap Begins to CloseRepayment problems are significant, although estimates vary depending on the survey and the population studied. The Federal Reserve's nationally representative 2025 household survey found that 26% of BNPL users had paid late during the prior year. Among users with income below $25,000, the late-payment rate was 40%.A separate 2026 LendingTree survey reported a higher figure: 47% of BNPL users said they had paid late in the past year. LendingTree also found that 68% believed BNPL caused them to overspend, and 54% had regretted a BNPL purchase. Because the studies use different samples and methods, the figures should not be treated as directly interchangeable. Together, however, they show that missed payments and financial strain are not rare.Late payments may create more than one cost. In the Federal Reserve survey, 64% of users who paid late said they were charged extra. Eleven percent of all BNPL users reported that a BNPL payment triggered an overdraft or nonsufficient funds fee from their bank.The True Cost of “Zero Interest”Many pay-in-four plans charge no interest when payments are made on schedule. Other BNPL products are longer-term installment loans that may carry annual percentage rates over 30%, depending on the provider, borrower, purchase, and state law. Consumers should read the specific loan disclosure instead of assuming every BNPL option is free.Even an interest-free plan can become expensive when a missed payment causes a late fee or when an automatic withdrawal triggers a bank fee. Some providers cap or restrict late fees, and policies can change, so examples should always be checked against the current terms shown at checkout. CreditNinja The main risk is not one isolated fee. It is the cumulative effect of multiple obligations competing for the same paycheck. A consumer may be current on each account today but still be vulnerable if work hours are reduced, an emergency occurs, or several automatic payments arrive together.Could BNPL Affect Your Credit?Credit-reporting practices are evolving. The CFPB has noted that BNPL loans historically were not reported to nationwide consumer reporting companies in sufficient volume for outside observers to measure the market fully. Some providers and credit bureaus have since introduced reporting arrangements for certain products, but treatment can vary.A missed payment may still harm a consumer even when the original loan is not routinely reported. An account that is charged off or sent to collections can potentially appear on a credit report, and an overdraft can create separate banking problems. Consumers should check the provider's current reporting and collections policies before borrowing.Even the Companies Face Credit RiskBNPL providers also absorb losses when customers do not repay. Klarna reported a $99 million net loss for the first quarter of 2025, compared with a $47 million loss a year earlier. Customer credit losses rose 17% year over year to $136 million. It would be inaccurate to say that defaults alone caused the entire net loss, because company earnings also reflect operating expenses, funding costs, restructuring, and other factors. Still, the increase in credit losses demonstrates that repayment risk is meaningful for the providers and consumers.The Broader Economic ImplicationsBNPL debt is difficult to measure because much of it has historically remained outside traditional credit reports. That creates a visibility problem for borrowers, lenders, regulators, and economists. A consumer may appear to have a manageable credit profile while owing several short-term installments that are scheduled to be drawn from a bank account.It would be too strong to claim that BNPL defaults alone are likely to cause a recession. The better-supported concern is that rapid growth, loan stacking, and limited reporting can obscure household financial stress. If many consumers must divert future income to earlier purchases, they have less room for emergencies and new spending.Regulation Is Catching UpGovernments are bringing BNPL closer to the regulatory frameworks used for other forms of consumer credit.In Australia, BNPL contracts became subject to the National Credit Code on June 10, 2025. Providers engaging in covered credit activities generally must hold an Australian credit license, and the reforms introduced responsible-lending obligations for the sector.In the United Kingdom, Financial Conduct Authority regulation of qualifying deferred-payment credit began on July 15, 2026. The new protections include clearer precontract information, proportionate affordability checks, support for customers in financial difficulty, and access to the Financial Ombudsman Service.In the United States, oversight remains more fragmented and continues to evolve. Consumers should not assume that every pay-in-four transaction carries the same protections as a conventional credit card, particularly for disputes, refunds, disclosures, and credit reporting.Can You Still Use Buy Now, Pay Later Safely?BNPL can be manageable when the purchase is planned, the repayment money is already available, and the user tracks every due date. The safest approach is to treat it as a real loan rather than a harmless checkout feature.Do:Treat every BNPL plan as debt with real consequences.Confirm that the full purchase fits your current budget.Review the APR, fee, autopay, refund, and credit reporting terms.Keep a written list of every active plan and due date.Leave enough money in the linked account to avoid bank fees.Limit the number of simultaneous plans.Don't:Assume every BNPL product is interest-free.Use several providers without tracking the total combined payment.Rely on future income that is uncertain.Ignore payments while a return or refund is being processed.Let a small installment amount disguise the full purchase price.If You're Already in TroubleIf BNPL payments are becoming difficult to manage, acting early can reduce the damage:List every balance. Record the provider, remaining balance, next payment, linked account, fees, and APR.Protect essentials. Make sure housing, utilities, food, transportation, insurance, and other necessities are covered first.Stop opening new plans. Adding another installment loan may temporarily free cash, but it usually increases future pressure.Contact the provider. Ask about due-date changes, hardship options, fee waivers, or a modified payment arrangement before the account defaults.Watch automatic withdrawals. Avoid accidental overdrafts, but understand that canceling autopay does not cancel the debt.Consider nonprofit credit counseling. A reputable counselor can help review the full budget and prioritize debts.The Bottom LineBuy now, pay later services are not free money. They are credit products designed to make a purchase feel smaller by separating the overall price from the immediate payment. For disciplined users, that structure may be convenient. For consumers already living on the edge, it can conceal how much future income has already been committed.The rise of BNPL for groceries and other necessities is a sign that many households are using short-term debt to bridge ordinary expenses. The most important question at checkout is not whether the first installment is affordable. It is whether the entire purchase, together with every other obligation, fits safely within the budget.Before selecting a BNPL option, pause and calculate the total amount owed, the dates the money will leave your account, and the consequences if your income changes. Your future financial health depends less on how small the payment looks today and more on whether tomorrow's payments are truly affordable.This story was produced by CreditNinja and reviewed and distributed by Stacker.

KWQC TV-6  Tyson plant closure leaves 2,700 workers without jobs with no warning KWQC TV-6

Tyson plant closure leaves 2,700 workers without jobs with no warning

Tyson Foods is permanently closing its Joslin, Illinois beef plant, leaving more than 2,700 workers without jobs. The facility is expected to shut down by Monday.

North Scott Press North Scott Press

How climate anxiety is fueling ‘90s nostalgia

How climate anxiety is fueling ‘90s nostalgiaVinyl record and CD sales are through the roof, telecom companies are recreating dumbphones, and lo-fi digital and disposable cameras are making a comeback, along with Pokémon, Furbys, and Bratz—the latter thanks to Kylie Jenner’s new line a couple of years ago.As many are finding joy and entertainment in the rebooted toys of their childhood, the climate crisis rages on. That’s no coincidence. In 2022, The Atlantic proclaimed nostalgia as the dominant emotion in the era of climate change, and just a couple of years earlier, The New York Times assured readers that nostalgia is a natural response to polycrisis.“We are in need of comfort and ways to engage in self-care because we know that the cards are stacked up against us right now,” says Britt Wray, author of the climate-mental health newsletter Gen Dread and director of the CIRCLE initiative at Stanford Psychiatry, which stands for Community-minded Interventions for Resilience, Climate Leadership and Emotional Wellbeing. “Nostalgia, as an increasingly popular phenomenon amongst youth, makes sense once you start thinking about the chronic insecurity many people are feeling in this age of climate crisis, political turmoil and polarization, increasing inequality, an affordability crisis and so on. It’s a very human reaction to want to crawl under the covers and ignore it all.”Enter nostalgiacore, a trend that’s taken the internet by storm by tapping into the emotional allure of the past, characterized by the revival of clothing styles, toys, and tech from the 1990s and early 2000s. But some experts say nostalgiacore is much more than just an aesthetic: It’s a cultural coping mechanism for climate anxiety and doomism. After all, nostalgia is comforting; it soothes by evoking memories of supposedly simpler, more stable times—an advantage that’s been leveraged by politicians, who have turned nostalgic language into a cornerstone of populist political rhetoric.But can harking back to a time of mindless overconsumption offer meaningful ways of coping in an age defined by climate collapse? The answer is not so straightforward. As Professor Lawrence Quill, author of “Nostalgia and Political Theory,” cautions: “Thinking carefully about nostalgia shows us just how easily we can be tripped up by views or ideas about the past that aren’t really terribly accurate.”The Rise of NostalgiacoreGeneration Z is the most climate-anxious demographic. It’s also very nostalgic.Eighty-five percent of Gen Z-ers say they are feeling worried about the impacts of the climate crisis, according to a 2023 survey by Cint, while another survey from GWI conducted the same year found that 15% say they would rather think about the past than the future. Gen Z, alongside Millennials, are also by far the biggest consumers of nostalgiacore, which is driven in large part by social media platforms like TikTok and Instagram; #nostalgia has more than 20 million posts on TikTok, many harking back to gadgets and games from the 1990s and 2000s, and #Y2kAesthetic and #Y2kFashion have accumulated over 500 million views. There are also dedicated accounts like 90s.talgic and nostalg1ac0re on Instagram with hundreds of thousands of followers.It’s no surprise that people who feel overwhelmed by climate anxiety may turn to objects evoking stability, longevity, and familiarity. “Interacting with nostalgic items offers comforting, tactile sensory experiences where things appear to be not so complicated—and that provides associated feelings of safety and belonging,” Wray says. “Whether people are doing it consciously or unconsciously, [nostalgiacore] is partly a form of yearning for temporary relief from the affective experience of living in dangerous and complicated times where we are struggling with things like the climate crisis.”There is some historical evidence to back this up: The rise of collective nostalgia has time and again emerged during periods of social upheaval. Historians note that in the years after the French Revolution, for example, people reported feeling a collective longing for the “good old days” of the pre-revolutionary Ancien Régime. More recently, streaming companies during the COVID-19 pandemic reported a spike in classic sitcoms like “Friends” and “The Office” as people took refuge in familiar TV shows to help cope with global uncertainty.Quill describes nostalgia during disorienting times as a “lifeline”—a way for people to anchor themselves during collective distress. But when nostalgia is on the rise, he says, it’s also important to ask: “What is it about the modern world that is so deeply unsatisfying or alarming that many young people look for solace in their past or the past of others—or displaced nostalgia? It is clearly a yearning for a better time, especially when faith in the future has been shaken.”Buying and Selling an EmotionThat faith in the future has been shaken is no understatement. In the past year alone, the world failed to meet critical climate targets, endured wildfires that devastated ecosystems across continents, and grappled with escalating geopolitical tensions that deepened global inequality.Nostalgia is hardly a new emotional response to crisis, but the pace and scale of its commodification today are unprecedented. Nostalgia has very quickly become a marketable product—and brands have jumped on the bandwagon. From Y2K-inspired fast fashion to old toy reboots to retro-inspired gadgets, products that evoke times past have become a hot commodity.Social media plays a pivotal role in amplifying and monetizing nostalgia by turning personal memories into marketable moments. Platforms like Instagram and TikTok thrive on curated nostalgia that’s also a fertile ground for targeted advertising. “Facebook introduced its timeline a little while ago along with Throwback Thursdays,” says Quill. “What is being consumed here, of course, are images, not products. But, what is being gathered during the nostalgic process is user data, which is then shared with advertisers. So, commodities will be sold to users as a kind of nostalgic totem.”It’s a serious issue that raises questions about the ethics of repackaging and selling our intimate emotions as commodities to maximize corporate profits. While nostalgiacore might seem like a harmless manifestation of our collective yearning, it paradoxically also risks perpetuating the very systems of environmental harm that have driven us to the brink in the first place.So, where do we go from here? Justin Lawson, a lecturer in health ecology and planetary health at Deakin University, says it’s key that we reclaim the future by critically evaluating and amending—rather than pining for—the past. To Lawson, the first step is practicing environmental kinship. “My view is that to be aware of [nature], we need to immerse ourselves in it,” he says. “But granted, not everyone can and not everyone has the capability or capacity to immerse themselves, so we need to find ways that can bring nature to those who aren’t able to access nature, or have certain trepidations about it.”The reality is that there’s a lot to learn about the power of movement-building by looking backward. “We [can use the rise of nostalgiacore as an opportunity] to return to those old values of reduce-reuse-recycle,” Lawson says. “Remember, the 3Rs [reduce, reuse, and recycle] was first promoted back in the 1970s, which gained traction in the 1980s and ’90s so it’s only fitting that we look to those eras for inspiration and develop the themes further to make a better impact and carry the flame.”While Lawson urges an analytical reflection on history, Wray frames nostalgia used this way as a form of self-soothing, but stresses the importance of pairing it with tangible action. That’s the only way, she says, of effectively working with the anxiety and discomfort nostalgiacore is trying to alleviate.“I don’t want to write it off as being only some kind of retreat from reality or escapism because there’s certainly a place and a time for this kind of comfort-seeking,” Wray says. “It’s just that we cannot hang out under the covers forever. We need to find ways of breeding up more hardcore existential resilience so that we can actually engage in transformative actions with others to build a better world rather than just hide away from the scary system in which we’re living.”This story was produced by Atmos and reviewed and distributed by Stacker.

North Scott Press North Scott Press

Play is essential for young children, including when it comes to their learning

Play is essential for young children, including when it comes to their learningPrioritizing play offers a variety of benefits for children, from helping them grow their vocabulary to managing their big feelings with fewer behavioral problems.Play also benefits children’s cognitive and social and emotional development.But play isn’t always a focus in classrooms, even when it comes to very young children.Kelley Mayer White, professor of early childhood development at the College of Charleston, examined how play in educational settings can benefit children for The Conversation.White and her colleagues conducted a study in 2019 and 2020 to understand how children from their own play-based lab preschool in Charleston, South Carolina, transitioned to formal schooling for kindergarten or first grade.Some families at the school, which serves kids ages 2 through 6, choose to keep their child enrolled there for kindergarten. Others leave to have their children complete kindergarten in a more traditional school setting.The researchers found that attending a play-based early childhood program helped children develop emotional regulation, social awareness and problem-solving skills later on in elementary school.Preparing children for school and lifeResearch conducted in 2015 found that children who attended a play-based preschool program scored higher on measures of vocabulary and use of grammar, compared to peers who attended a more traditional preschool program.Another group of researchers conducted in-depth interviews in 2021 with the parents and kindergarten teachers of four children who had attended a play-based preschool. The three kindergarten teachers described the children as self-directed and eager to learn. One teacher spoke of the children’s open-mindedness. The children were also described as adept at navigating social situations, compassionate and empathetic.For the College of Charleston research, which was published in 2023, researchers surveyed 17 parents of children who had completed the play-based preschool program within the past few years. Additionally, five parents and two alumni from the school who had reached college age were interviewed. Although the sample size was small, the findings supported a play-based approach to preschool and kindergarten.Parents said the play-based program had a significant impact on their children’s empathy and social development. They noted that their children were likely to take the lead in social interactions and frequently stood up for the underdog. Other parents said that the program fostered their children’s imaginative thinking and creativity.Several parents credited their children’s advanced social skills to the extended time allotted for play. They described their children as being more creative, independent and resourceful than classmates.Why play mattersWhile there is no single, agreed-upon definition of play, many agree that it is any activity that is intrinsically motivated, freely chosen and enjoyable. It is also flexible, creative and is not always linear or straightforward.In part because play is challenging to define, it is also difficult to research or measure, especially in school settings.Some play is unstructured and often referred to as free play. Think of a child alone in their backyard making a fort out of twigs and branches, or a group of children playing school.Other play may be facilitated or guided by an adult. This could look like a child building a Lego structure while following step-by-step instructions, or a child playing school alongside his dad, who pretends to be a student.Play-based learning involves a more structured activity or game with a particular outcome or goal. For example, a child could be playing with buttons and then be asked to sort them by size, shape or color.There are also different types of play, including dramatic, or pretend, play.Dramatic play can improve children’s emotion regulation, fuels their language development, and can help children work through anxiety, aggression and fear.In her own experience teaching kindergarten, White was fascinated to observe children process traumatic experiences, such as 9/11, through reenacting events at the sand table.Dramatic play also facilitates children’s understanding of narrative, as children create stories that place them in different roles, such as parent, teacher or doctor. Understanding narratives is key to becoming a fluent reader in the later grades.Research has found that dramatic play can improve children’s social and emotional skills and help them process or understand the world around them, as they take on the role of veterinarian or first responder.Constructive play, meanwhile, generally describes children building or creating things, such as blocks or art.Block play can support children’s cognitive development and mathematical understanding. As children plan, test and revise their block structures, they learn critical thinking and develop an understanding of spatial relationships.Longitudinal research shows that playing with blocks during the early childhood years predicts higher achievement in math in middle school and high school.Parents of young children may understand play is important but have a harder time hanging on to that notion as their children age. However, play-based learning remains beneficial beyond the elementary school years.Even middle and high schoolers gain important skills through play.Sixth graders taught to solve problems through playing bank and supermarket performed better on later assessments of their math knowledge.High school students given the opportunity to learn about kinetic energy and velocity by building a roller coaster described increased motivation and found it led to deeper understanding of the material.Supporting playResearch shows that adults can be helpful during play when children experience conflict. Coaching from an adult can keep the play going after a disagreement and help children learn to compromise.Adults can also help children come up with more complex characters and directions for play.Guided play, meaning an adult asking open-ended questions to help fuel a child’s play, for example, has even been found to be more beneficial for children’s math understanding than direct instruction.When children are given the freedom to navigate challenges during play, they build their executive functioning, problem-solving, creativity and social skills – all things that are essential for success in school and later in life.While children’s play is most powerful when it is child-directed, adults can serve an important role in children’s exploration by joining in occasionally to ask thoughtful questions, introducing new vocabulary or characters, sparking ideas, or helping children work through conflicts. But adults should try not to overthink it — it’s play, and it should be fun.This story was produced by The Conversation and reviewed and distributed by Stacker.

WVIK U.S. missionary who was kidnapped in Niger is released WVIK

U.S. missionary who was kidnapped in Niger is released

Kevin Rideout "is in good health in the care of US officials," SIM International said in a statement, adding he would soon be reunited with his family.

Quad-City Times Quad-City Times

Western Illinois University Quad-City campus awarded workforce grant

A total of $510,754 has been invested in the program, which will start next month and end in August 2029.