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

Saturday, August 22nd, 2026
	Memories of Muscatine: Successful Farming This week for Memories of Muscatine: a chromolithograph Jay Norwood “Ding” Darling.
	Two Languages This is Roald Tweet on Rock Island.Do you ever wish you could speak a second language? You already do: English. Let me explain. It will help you…
	What Rep. Hinson wants to do about Trump’s plan to import more beef Rep. Ashley Hinson said on Friday that she opposes President Donald Trump's plan to import more beef.
Friday, August 21st, 2026
	U.S. imposes 50% tariffs on $20 billion worth of Canadian products The United States imposed 50% tariffs on $20 billion worth of Canadian products early Saturday, and Canada immediately said it would retaliate, after last-ditch negotiations failed.
	U.S.-Canada trade talks collapse minutes before deadline for tariffs to take effect Trade negotiations between the United States and Canada fell apart on Friday night, shortly before a midnight deadline for 50% tariffs to take effect on $20 billion worth of Canadian products.
	U.S.-Canada trade talks collapse just before deadline for tariffs The midnight deadline means that U.S. is imposing 50% tariffs on $20 billion worth of Canadian products. Prime Minister Mark Carney says Canada "will match those tariffs dollar for dollar."
	OQC Crime Watch: County ends contract with Flock cameras: Episode 77 Watch crime reporters Linda Cook and Sharon Wren talk about crime and courts in our area with the latest episode of the Our Quad Cities Crime Watch Podcast. In this episode Linda and Sharon discuss: updates on: Henry County Sheriff's Office ends contract with Flock cameras Whiteside County could get bogged down with old cases [...]
	Twin Cities PADS Homeless Shelter in Sterling is closing temporarily Officials said the facility is the only emergency shelter for people experiencing homelessness in Whiteside County.
	Records show former Moline city administrator was warned about inappropriate behavior before resigning Documents show that city council unanimously agreed to terminate Bob Vitas' contract. However, he was given the option to resign before that action took place.
	Former Moline city administrator was warned about inappropriate behavior before his resignation Documents show that city council unanimously agreed to terminate Bob Vitas' contract. However, he was given the option to resign before that action took place.
	Community remembers Trudy Appleby 30 years after disappearance About 50 people gathered at Bass Street Landing Friday evening to honor Trudy Appleby on the 30th anniversary of her disappearance.
	Tyson workers rally after Joslin facility closure At least 100 people rallied outside of the Tyson facility in Joslin after its closure left 2,500 people without jobs.
	Former Tyson Foods workers rally outside Joslin plant Former employees of the Tyson Foods plant that closed in Joslin rallied outside the plant on Friday afternoon. They were joined by supporters in a call for action. About 2,500 people lost their jobs when the company closed the plant without notice. Some workers had been there for more than 30 years. A Chicago-based social-action [...]
	'Certain people ... know certain things.' Trudy Appleby has been gone for 30 years Friday marked 30 years since 11-year-old Trudy Appleby was last seen leaving her home in Moline. Her family moves toward some closure after the man police say killed her waits to go on trial for her murder. But her family will never be the same, despite what happens in court. Trudy Appleby's family and friends [...]
	Nurses, first responders train at MercyOne Genesis to prepare for pediatric trauma A first-of-its-kind training happened in Davenport on Friday, when nurses and first responders focused on preparing for pediatric trauma. The MercyOne Genesis pediatric mock trauma drill put the staff in a real-world scenario: Responding to a car accident involving two children. "It is so important to get down to the nitty-gritty intricacies of that patient [...]
	Severe Thunderstorm Warning from FRI 8:13 PM CDT until FRI 9:00 PM CDT Severe Thunderstorms with High Winds and Hail Expected Until 9 PM CDT
	Laid-off Tyson workers rally outside plant in Joslin, fight for jobs Hundreds of unemployed Tyson Foods workers gathered Friday in the rain outside the plant in Joslin, Ill., organized by a national organization to fight for their jobs and protest the plant closure.
	Tyson workers rally outside of Joslin facility after closure At least 100 people rallied outside of the Tyson facility in Joslin after its closure left 2,500 people without jobs.
	Fish kill discovered at West Lake Park in Scott County Scott County Conservation employees say they started finding dead fish last week in West Lake Park. Iowa's Department of Natural Resources estimates 3,500 to 4,000 fish died. The lake's recent restoration made the water clearer, which enabled sunlight to reach deeper into the lake. That made it easier for plants to grow. Park officials are [...]
	Davenport school district staff celebrate new school year Davenport school district employees gathered at the Vibrant Arena ahead of classes resuming on Monday to celebrate the upcoming school year.
	LIVE: Tornado warning for Bureau County The First Alert Weather team is tracking severe storms.
	MercyOne Genesis holds pediatric trauma drill Hospital officials said cases of pediatric trauma are less common in children than adults, but they're on the rise.
	Severe Thunderstorm Warning from FRI 6:51 PM CDT until FRI 7:30 PM CDT Severe Thunderstorm Warning: Gusty Winds and Hail Expected Until 7:30 PM CDT
	Gavin Waidelich, Our Quad Cities News, goes Over the Edge for Big Brothers/Big Sisters Gavin Waidelich, of Our Quad Cities News, went Over the Edge on Friday afternoon to raise money for Big Brothers Big Sisters of the Mississippi Valley. A crowd gathered to watch as Waidelich went down the side of the Hotel Blackhawk, Autograph Collection in downtown Davenport. "The scariest part was the first story," Waidelich said [...]
	Man’s body found in Hennepin Canal Authorities are working to identify the remains of a man found Friday in the Hennepin Canal near Big Island.
	MercyOne Genesis conducts mock pediatric trauma drill Hospital officials said cases of pediatric trauma are less common in children than adults, but they're on the rise.
	Tyson workers protest outside Joslin plant, ask for state intervention Hundreds of Tyson Foods workers attended Friday's protest outside the beef processing plant in Joslin, Illinois. Over 2,500 lost their jobs last week when the plant announced its closure.
	MercyOne Genesis emergency workers practice life-saving skills during mock pediatric trauma event MercyOne Genesis emergency department workers practiced life-saving pediatric care during a realistic mock trauma simulation.
	Letter: Moline city administrator resigned after allegations of ‘inappropriate behavior’ Bob Vitas, former Moline City Administrator, resigned after being accused of inappropriate behavior and poor hiring that damaged City Hall morale.
	Lawsuit filed against City of Davenport over heavily redacted city administrator resume In response to a public records request, the City produced a resume with almost everything blacked out.
	Construction on I-74 and John Deere Road interchange begins Monday The work will involve shoulder reconstruction, drainage work, temporary lighting and intelligent transportation upgrades.
	First day of school delayed at Dubuque’s Jefferson Middle School after fire A fire at Jefferson Middle School is delaying the first day of school.
	Peosta reviews data center development concept plans The city says plans will help inform its ordinance ahead of moratorium's expiration.
	Sterling's Twin Cities PADS Homeless Shelter to close temporarily Officials said the facility is the only emergency shelter for people experiencing homelessness in Whiteside County.
	Former Solon teacher charged with sexual abuse of students Joel Foreman faces multiple counts tied to alleged conduct with two former students.
	SR Promotions schedules season championships at Davenport Speedway SR Promotions will hold its season championships at Davenport Speedway on Monday, Aug. 24, a news release says. The event was originally scheduled for Aug. 14, but was postponed because of rain. Track champions will be crowned in our six weekly classes: the Outhouse/Storage to Go - IMCA Late Models, the Midwest Recycler/Del’s Metal Co. [...]
	Deere seeks early contract extension as UAW members vote Sunday Deere says the deal would add roughly $21,000 in combined wage increases and bonuses per average worker over two years.
	Attorney general candidates outline priorities at Iowa State Fair Voters heard from candidates for Iowa attorney general at the Iowa State Fair this week. Republican incumbent Brenna Bird is facing Democrat Nate Willems in November.
	Work on I-74, John Deere Road starts Aug. 24 Summer may be winding down but it’s still Road Construction Season in Illinois. The Illinois Department of Transportation announced today that work on the Interstate 74 and John Deere Road (Illinois 5) interchange in Moline will start on Monday, Aug. 24, weather permitting. The work zone is on I-74 from south of 27th Street to [...]
	Davenport rehabilitation owner charged with sexually assaulting client A Davenport rehabilitation business owner was arrested on Thursday for allegedly sexual assaulting a client of his.
	Severe T'Storm Watch issued for Friday evening - high school football games could be impacted A Severe T'Storm Watch has been issued by the National Weather Service for the Quad cities area Friday evening. This watch goes until 10 p.m. Storms will be capable of producing damaging winds, hail and even an isolated tornado cannot be ruled out. The watch will likely be canceled before 10 p.m. in the Quad [...]
	'As long as Trudy's still missing, I'll keep looking' \| Uncle remembers 11-year-old niece 30 years since disappearance Ray Eddleman still remembers Aug. 21, 1996, and the helpless feeling after learning that Trudy was missing. He is one of the last living relatives who knew Trudy.
	Ross Education and its Davenport campus announce change to not-for-profit The new change will allow the institution to keep tuition relatively flat and expand federal and state grant access.
	Body found near Big Island Our Quad Cities News was on the scene at Big Island, where a body was found earlier today. Rock Island County Coroner Brian Gustafson confirmed to Our Quad Cities News that the body is that of an adult male. No other information is available at this time.
	Deere seeks early contract extension as UAW members vote Saturday Deere says the deal would add roughly $21,000 in combined wage increases and bonuses per average worker over two years.
	Heavy police presence near US 67 bridge in Milan This is a developing story. News 8 is at the scene, working to gather more information.
	Davenport schools' Showing up Together event kicks off the 2026-2027 school year All Davenport Community School District staff members attended a Friday morning gathering at Vibrant Arena to celebrate the start of the school year.
	4 Your Money \| Bonds In Control Despite the Federal Reserve leaving interest rates unchanged, mortgage rates have continued to inch upward. James Nelson, Financial Planner at NelsonCorp Wealth Management, joins us to share how the bond market impacts mortgage rates and why the bond market is more impactful than many realize.
	Morrison Sports Complex receives AED donation Morrison is making sure visitors to the Morrison Sports Complex can get the help they need in a medical emergency. City of Morrison Recreation Services Director Nathan Jacobs announced that a new Automated External Defibrillator (AED) has been donated to the complex. The AED will be installed in the main concession building, offering quick access [...]
	How jewelry appraisal works and what it costs How jewelry appraisal works and what it costsA jewelry appraisal usually costs about $75-$100, though traditional appraisal fees can range from $50 to $200. This depends on the appraiser, the item’s complexity, and the location.Appraisers may charge a flat fee per piece or an hourly rate; complex rings, antique jewelry, designer pieces, estate items, or multi-stone designs are often more expensive to evaluate.So, how much does a jewelry appraisal cost?Average traditional appraisals are about $75-$100.More complex pieces can cost more.Below, BriteCo explains how often you need a jewelry appraisal, whether a free appraisal is actually useful, how long the process can take, and what indicates that the appraisal is worth your hard-earned dollars.Most jewelry appraisals cost around $75-$100 on average, but appraisal fees vary by appraiser and the complexity of the piece.Note that prices can vary further based on location, appraiser credentials, documentation depth, and whether the appraisal requires research or testing. In-store jewelry appraisals generally cost $65-$200.Flat Fee vs. Hourly Rate: How Jewelry Appraisers ChargeJewelry appraisers usually charge either a flat fee per piece or hourly rates based on the time needed to inspect, research, and document an item.A flat fee for appraisal services is more common for straightforward pieces. You’re more likely to pay an hourly rate for collections, estate jewelry, antique pieces, or pieces that require complex research. Additionally, many appraisers provide a discount if you’re having multiple pieces appraised at the same time.Before you book, ask your appraiser:What is the total estimated fee?Do you charge a flat fee or an hourly rate?Does the fee include photos?Will I receive a signed written report?Are additional pieces discounted?How long will the appraisal take? Red Flag: Avoid Percentage-Based Appraisal FeesAvoid any appraiser who charges a percentage of your jewelry’s value for their services; industry standards dictate that appraisal fees should be based on time, expertise, and report complexity, not the final value assigned to the item. A percentage-based fee can give the appraiser an incentive to overstate the amount of money your piece is worth.The fee should not rise just because the appraiser says the jewelry is worth more; flat fees and hourly fees are much safer alternatives. A reputable appraiser should also offer a written estimate of their fee before inspection begins.What Affects Jewelry Appraisal Costs?The main factors affecting the cost of your appraisal are the complexity of the piece, the appraiser’s credentials and expertise, and the purpose of the appraisal. Your location and the level of documentation required also play a role.Factors affecting jewelry appraisal cost:Number of stones in the pieceMounted vs. loose gemstonesDiamond or gemstone quality grading complexityAntique or estate research neededDesigner or brand verification neededMetal testing neededIncluded photosAppraiser credentialsLocal market pricingNumber of items to be appraisedA simple pendant is usually faster to evaluate than an antique diamond ring with multiple stones and incomplete paperwork. As such, expect the pendant to be cheaper to appraise than the antique diamond ring.How Much Does a Ring Appraisal Cost?A ring appraisal commonly costs $65-$200, depending on the ring’s value, design, and complexity. Engagement rings can cost more to appraise: For example, in a three-stone engagement ring, the appraiser will need to document the center gemstone, side stones, setting, metal type, condition, and replacement value.Factors affecting ring appraisal cost include:Center stone carat weight and qualitySide stones or diamonds in a pavé settingDesigner or custom settingsAntique or vintage detailsMissing or incomplete documentationKnowing what to expect with ring appraisals ahead of time can ensure you approach the process with the right mindset.Jewelry Appraisals for InsuranceA jewelry appraisal for insurance purposes typically documents the item’s replacement value, which is the amount an insurance company uses to help set coverage and support future claims; the appraisal cost is still $75-$100 on average.Most jewelry insurance policies require an appraisal in the event of damage, loss, theft, or a mysterious disappearance, so it’s vital for most insurance claims. Having an accurate appraisal is truly the only way to guarantee that your item will be replaced exactly as-is.Insurance appraisals should be written, detailed, dated, and specific enough to clearly identify the item.Note that the cost of getting the appraisal is separate from your insurance premium, but the appraised value does influence the cost of your insurance.Insurance Appraisal Vs. Resale, Estate, or Fair Market AppraisalThe type of appraisal you get matters; insurance, resale, estate, and fair market appraisals all use different valuation methods.So what’s the difference? BriteCo Can You Get a Free Jewelry Appraisal?Any reputable jeweler will provide you with an appraisal with your purchase. If you weren’t provided with an appraisal, simply ask your jeweler, and they should provide it for you.You may be able to get a free jewelry estimate at a jewelry store, but a free estimate is not always the same as a formal written appraisal.For example, you might be able to get:A free appraisal for a new jewelry purchase at the point of saleA verbal estimate from jewelers as you shopA free promotional appraisal at a dedicated eventA free appraisal if your insurer or jeweler decides to waive the cost for a buyerHowever, if you’re getting an appraisal for insurance purposes, a verbal opinion is not valid, and written documentation is always required. As such, before specifically trying to get a free appraisal, make sure that what you’re getting will actually be suitable for your purposes.Verbal Appraisal vs. Written Appraisal: Why the Document MattersA verbal appraisal may give you a rough estimate of your piece’s value, but a written appraisal report is what insurers, estate planners, and serious buyers usually need.Verbal estimate: It’s quick, informal, and usually not insurance-ready, and may not even be accurate.Written appraisal: This is a detailed report, with photos, an item description, the appraiser’s signature, and the purpose of the valuation.Insurance appraisals, in particular, require written, detailed documentation; a verbal or incomplete jewelry appraisal will not suffice. If you’re paying for an appraisal, that written report is the main thing you’re paying for.Diamond Grading Reports vs. Jewelry AppraisalsA certified gemologist diamond grading report from an independent gemological laboratory describes a diamond’s characteristics and quality, while a jewelry appraisal assigns a value to a full piece for a specific purpose.A grading report may include carat, cut, color, clarity, measurements, and lab details. An appraisal may reflect this information, too, but it also assigns the piece a retail replacement value, resale value, or fair market value.Use your grading report as supporting documentation when getting insurance or in other situations wherein you might submit documentation showing your jewelry’s value, but don’t assume it can replace a true written appraisal.What Should Be Included in a Paid Jewelry Appraisal?A proper jewelry appraisal should include a highly detailed written report; the appraiser shouldn’t just give you a single number.The appraisal should include:The jewelry owner’s nameAppraiser name and signatureAppraisal dateAppraisal purposeMetal type and purityItem weight and measurementsGemstone detailsDiamond 4Cs when relevantCondition notesClear photosReplacement or fair market valueWhether you’re insuring a new piece or estate planning, detailed documentation will make your appraisal more useful.How Long Does a Jewelry Appraisal Take?A jewelry appraisal can sometimes be completed quickly, but timing depends on the provider, the piece’s complexity, and whether the appraiser needs to conduct additional research. Simple pieces are faster to appraise, whereas antique, estate, designer, and multi-stone pieces can take longer. Additionally, written reports require more time than a verbal estimate.If you need an appraisal for insurance purposes, confirm both the appraiser’s turnaround time and that your insurer will accept their appraisal before booking.How Often Should You Pay for a New Jewelry Appraisal?You should have your jewelry appraised every three to five years, or sooner if the piece changes, its value changes, or your insurer requests updated documentation reflecting the appraised value.Reasons why you might update your jewelry appraisal sooner include:Making a major upgrade to the pieceMaking the investment in a new center stone or settingA major market value shiftMissing photos or details in an old appraisalYour insurer requests a new valuationNewly inheriting a piece of cherished jewelryWhile it’s advisable to get an updated appraisal every few years, there are definitely situations in which you should seek a new appraisal right away.Where to Get a Jewelry AppraisalYou can get jewelry appraised through a qualified local jeweler, through an independent jewelry appraiser, or via an online appraisal service if your item qualifies.Local jeweler: If you find a local appraiser, they can be convenient and useful for straightforward pieces.Independent appraiser: A specialist is often best for high-value, estate, complex, or antique jewelry pieces.Online appraisal: Online jewelry appraisals are ideal for eligible pieces when you have good photos and documentation.How to Avoid Overpaying for a Jewelry AppraisalTo avoid overpaying for a jewelry appraisal, it’s crucial to ask about the appraiser’s fee structure, the kind of details their report provides, and the expected deliverables before the appraisal begins.To avoid overpaying:Ask whether pricing is a flat fee or hourlyAvoid value-based percentage feesAsk whether photos are included in the reportAsk whether the report is signed and datedAsk whether multiple items qualify for a discountAsk whether the appraisal is accepted for insuranceCompare online vs. in-person optionsRemember: The cheapest option is not always best if it does not produce the documentation you need.Is a Jewelry Appraisal Worth the Cost?A jewelry appraisal is worth the cost if your piece of jewelry is valuable enough that insurance, resale, estate planning, or replacement accuracy matters.An appraisal can help you:Establish your piece’s replacement valueSupport insurance coverageDocument your ownership of the pieceReduce future insurance claim friction ( if you make a claim to replace a lost piece)Resell the pieceWith estate planningJewelry Appraisal Cost FAQsHow much does a jewelry appraisal usually cost?A jewelry appraisal usually costs $75-$100, though the cost varies depending on factors such as the item being appraised and your location.Is a free jewelry appraisal good enough for insurance?No, in most cases, a free jewelry appraisal will not be comprehensive enough to be accepted by an insurance provider. However, if you receive a “no charge” appraisal from a jeweler at the time of your jewelry purchase that is detailed and documented, it will probably be sufficient.Does a diamond grading report replace an appraisal?No, while there is overlap in the type of information the two types of documentation contain, a diamond grading report cannot replace an appraisal.How often should I update a jewelry appraisal?Update your appraisal every few years, expediting the process if your jewelry insurance provider asks for an update, the market changes, or you change the piece.Jewelry Appraisal Cost: Final TakeawayMost jewelry appraisals cost around $75-$100 on average, with in-person appraisal prices varying by appraiser, location, and item complexity.Decide what kind of valuation you need: insurance, resale, estate, or fair market. Choose an online or in-person appraisal based on your jewelry’s complexity and your appraisal needs. Store the final appraisal safely alongside the jewelry’s photos, receipts, and insurance documents.This story was produced by BriteCo and reviewed and distributed by Stacker.
	Iowa Economic Development Authority awards $2.23 million in tax credits to ADM in Clinton The $55.5 million project is expected to create 53 jobs at a qualifying wage of $23.57 per hour.
	National Senior Citizens Day recognizes older adults' impact August 21 is National Senior Citizens Day, a day that recognizes older adults and the impact they have had on society. The day was created in 1988 after President Ronald Reagan signed Proclamation 5847. Ty Hill, owner of a local Caring Transitions franchise, spoke with Our Quad Cities News via Zoom to talk about the [...]
	Supreme Court allows Trump's ballroom construction to continue for now The ruling comes after months of back and forth between the Trump administration and the National Trust for Historic Preservation.
	Davenport Northwest Little League team wins The Davenport Northwest Little League threw a combined no-hitter and beat California on Friday, winning 1-0.
	EICC names its board of trustee meeting room after Ellis and Bill Vetter The father and son held board of trustee roles across multiple decades, helping pave way for facility and academic development.
	Heavy police presence in Milan near Big Island Parkway There is currently a heavy police presence in Milan near Big Island Parkway.
	Why kids refuse to go to school, and how to help them feel ready to return Why kids refuse to go to school, and how to help them feel ready to returnIt can be stressful when kids flat-out refuse to go to school. Your child might be complaining about stomachaches every day, begging to stay home. Or they may become increasingly emotional as the school day approaches. You may find yourself wondering: Why is this happening? What if they’re never willing to go back to school? And what’s the best way to handle this?School refusal (also called school avoidance) can be frustrating to deal with. But rest assured, you’re not alone. Refusing to go to school is common. In fact, up to 28% of students struggle with school avoidance at some point during their school years.“School refusal can happen with any child,” said Andrew Kahn, Psy.D., Understood’s associate director of expertise and behavioral health innovation. “But for neurodivergent kids, school can feel like a minefield.” That’s because challenges with social skills, learning, attention, and executive function can all get in the way of learning and doing well in school, he says.If your family is dealing with school refusal, Understood broke down what you need to know: what it looks like at different ages, why kids refuse to go to school, and how to help.Why kids refuse to go to schoolIt can be tempting to view school refusal as defiance. But it’s important to dig a little deeper. Knowing why your child is avoiding school is often the first step toward helping them feel safe, supported, and ready to go back.Often, kids refuse school because they feel like they can’t succeed there. School feels like a scary place where teachers and peers don’t understand or support them, Kahn says. For kids with a health condition, like stomach problems, refusing school can also be about a fear of getting sick in front of others.Avoiding school is also more common during transition periods like Monday mornings, after summer or holiday breaks, and even during morning wake-ups, according to Kahn. “Leaving a comfortable setting can be extremely hard for an anxious child, so refusal is one of many strategies,” he explained.School refusal is often not just about school. The causes can be personal, like a learning disability. Or it could be environmental, like conflict at home.Here are some other reasons kids might be refusing to go to school:Changes at home, like a divorce, a new sibling, or a deathNegative experiences at school, like an embarrassing incidentAcademic struggles or difficulty keeping upSocial challenges, like trouble making friends or feeling like they aren’t fitting inAnxiety or fear about making mistakes or taking testsTrouble understanding the rules at schoolFeeling overwhelmed by executive function challengesBullying or teasingHaving physical symptoms and illnessesBeing overscheduled or burned outIf your child is having academic or social challenges on top of refusing school, reach out to the school or your child’s pediatrician. It could mean your child has an undiagnosed learning disability or ADHD. You may want to explore getting an evaluation.School refusal symptoms by ageSchool refusal happens when your child experiences fear or anxiety about going to school. They may say they feel sick,. have a tantrum, or refuse to get dressed.“Oftentimes, a child will exhibit anger, sadness, frustration, or anxiety in anticipation of going to school,” Kahn explained. That stress doesn’t just affect the child — it can spread to the whole family.School refusal is more common at ages 5–6 and at ages 10–11. But it can happen anytime during your child’s school years. It’s especially common if they’re having academic challenges, experiencing bullying, or struggling to make friends.Kahn says that warning signs often show up before a child starts refusing outright. For some kids, the worry starts the night before or the morning of school. For kids with more intense fears or concerns, it can start as soon as they get home from school or even on the weekend.Physical symptoms like headaches, stomachaches, and other complaints are common at any age, according to Kahn. A doctor’s visit often won’t find a medical cause. Still, it’s important to get your child checked out. That way, you won’t assume every request to stay home is only about emotions.Anger and outright refusal to go to school are often signs of anxiety, but that’s easy to miss, Kahn explained. That’s because these signs can look like acting out or misbehaving. But they’re often desperate attempts to avoid or escape school.Here are some other signs of school refusal you may notice at different ages:Preschool and kindergartenClingingCryingTantrumsThese signs are usually tied to separation anxiety. Also, kids this age often don’t realize their physical symptoms are actually caused by anxiety.School-age through middle schoolCryingRunning away instead of going into the buildingTrying to leave school once they’re thereSaying things like they’re afraid, that no one likes them, or that they feel stupidHigh schoolSkipping school entirelyLeaving school grounds without permissionTaking other, more active steps to avoid classWhat to say when your child refuses to go to schoolSchool refusal can disrupt your whole family’s daily life. It can also affect your child’s ability to thrive in school, and their overall well-being. But there are ways you can support your child.Here are some school refusal behaviors, and what you can say to help.Tantrums about schoolIf your child is having tantrums about school, acknowledge their feelings. When they’re calmer, suggest that you talk about ways to make things better. Be clear that even though you’re supportive and willing to problem-solve, they still have to go to school.Try saying: “I know there’s something about school that worries you. When you’re able to speak calmly, then we can talk about what that is. I’d like to try to help you find a way to make it easier to go to school.”Meltdowns about schoolBe patient and make it clear that your child is safe and you’re there to help. Kids aren’t in control of meltdowns, so there’s nothing more you can do when they’re happening.When the meltdown stops, use short and concrete sentences to manage the moment. Try saying: “That was a big reaction. Let’s figure out if you need a break before we talk about school.” Have that conversation at a quiet time when everyone is calm.Gets stuck on “what if” scenariosRespond with as much empathy as you can. Getting stuck on negative thoughts can be a response to feeling overwhelmed, anxious, and powerless. Try to reduce the anxiety enough to talk about what has your child stuck.Then, talk about the difference between “what if” and “what is.” For example, a child might say, “What if the kids who are mean to me are in my class?” You can respond with, “What we do know is that your friend Jonathan is in your class. And what if it goes well?”Refuses to get dressedSchool refusal usually starts first thing in the morning. Some kids may refuse to get dressed for school.Remind your child that going to school isn’t optional. But going in pajamas might be. If this is your child’s form of refusal, decide whether it’s more important for your child to participate in school or to get dressed. You may need to send your child to school in pajamas.Be sure to explain to your child that classmates may wonder or ask why they’re in pajamas. Also, email or call the teacher to explain why your child isn’t dressed for school.Avoids the bus or carAt this point, your child’s refusal might start getting in the way of your schedule and your ability to work. Try not to engage at that very moment. Try saying: “I see you’re really struggling today. Let’s plan on talking later. But I’m not going to argue with you about it now while you’re so upset.”Later, ask your child to try to explain what the concern is. If you can’t come up with a quick fix, work on finding a longer-term strategy.Says “You can’t make me”If your child refuses to go to school by saying things like “You can’t make me,” acknowledge that it’s true. You can say: “You’re right. I can’t force you. I also can’t control how your teacher chooses to deal with makeup work or grades.”Then, offer to have an honest and calm conversation about why they’re refusing to do the work or go to school. Make it clear that you want to understand what’s going on. But also remind them that going to school is required.Skips school or classesSkipping school is the tipping point for kids. They’re not involving the adults in their lives — their anxiety is so overwhelming that they’ve decided to just not go. Take both the behavior and your child’s fears and worries seriously.Talk with your child’s teacher about a plan to help. Your child may be able to get accommodations for anxiety.More school refusal tipsHere are more ways you can help your child get back to school.Help your child talk about their feelings about school.Help your child name their feelings.Identify triggers and come up with ways to address those.Acknowledge and validate their feelings and concerns.Create calm morning routines. Give yourself extra time in the morning for these routines so you’re not so rushed.Try relaxation and calming strategies to help ease fears.If possible, arrive at school when fewer kids are present or have a peer buddy meet them.Reestablish your school routine quickly after a vacation or illness.Additional reporting by Sherri Gordon.This story was produced by Understood and reviewed and distributed by Stacker.
	Owner of rehabilitation business arrested after allegedly sexually abusing client The owner of a rehabilitation business that helps people with sober living, was charged with two counts of sexual abuse, along with several drug possession charges.
	30 years after Trudy Appleby disappeared, prosecutors want Jamison Fisher found in contempt Trudy Appleby has been gone for three decades, and prosecutors are asking her alleged killer be found in contempt for speaking to media against a judge's orders.
	Davenport Fire Department receives reaccreditation The Davenport Fire Department has received reaccreditation from the Commission on Fire Accreditation International (CFAI), after a hearing on August 20 in Rosemont, Ill. The reaccreditation recognizes the Davenport Fire Department’s continuing commitment to excellence, accountability and continuous improvement in delivering fire and emergency services to the community. The Center for Public Safety Excellence (CPSE) [...]
	3 Things to Know \| Quad Cities morning headlines for Aug. 21, 2026 The Moline community will hold a vigil for the disappearance of Trudy Appleby, and MercyOne Genesis workers will hold a mock trauma training.
	'Dreams in Nightmares' is a road-trip movie about living on your own terms Three queer Black friends embark on a road trip in search of a fourth whom they haven't seen in some time. Dreams in Nightmares is a sweetly bickersome comedy-drama about friendship and freedom.
	Davenport Fire Department awarded third reaccreditation The accomplishment was announced Thursday at a hearing held in Rosemont, Illinois.
	Beatty files emergency request to stop Trump's name from returning to Kennedy Center Joyce Beatty, a Democratic representative from Ohio, asked a federal judge to stop the Kennedy Center trustees from putting President Trump's name up in three places at the arts complex.
	Candlelight vigil in Moline marks 30 years since disappearance of Trudy Appleby Trudy Appleby will be remembered tonight at a Moline candlelight vigil marking the 30th anniversary of the 11-year-old girl's disappearance.
	When an AI agent runs the analysis, who signs the record? When an AI agent runs the analysis, who signs the record?Research and development organizations in 2026 find themselves in a unique position. AI agents are increasingly implemented into business processes. Coordinating agents are delegating fold predictions to specialist sub-agents.Reviewer agents check the citations. Scientists look at the results and move on. Yet no one signs off for the record because a signature was never requested. This gap between the output and true human approval has become a tricky gray area.Claude Science is one of the catalysts for why this question is now at the forefront of many engineers’ minds. Launched in June 2026, it’s an AI workbench that signals agentic AI is now moving from a pilot phase to actual implementation in the scientific R&D process.Its release also aligns with two regulatory developments that have been gaining attention. One is the draft European Union annex drawing a line around which GMP-critical work an AI agent could touch. The other is a U.S. Food and Drug Administration warning letter flat out demanding human signatures on AI work.Taking these three events into account, one practical question emerges: Who should be accountable for the outputs of an agentic AI agent? Kivo, a provider of AI compliance solutions, has set out to answer this question by digging into the data on what Claude Science is, along with an analysis of the two regulatory announcements, so that R&D teams can put the right people in place for sign-offs.What Claude Science actually isUnderstanding why there’s so much attention on the agentic AI space specifically in an R&D setting requires taking a look at why Claude Science, and other similar technologies, are making waves. Released by Anthropic, Claude Science was designed to be a single environment that folds together research tools that scientists normally juggle across multiple browsers and terminal windows.It comes pre-configured with over 60 databases and connectors that span genomics, single-cell analysis, proteomics, structural biology, and chemical information. Essentially it’s one cohesive system. What makes it so impactful is its native connection to NVIDIA’s BioNeMo models, which include Evo 2, Boltz-2, and OpenFold3.Perhaps more notable is the fact that Claude Science is an expansion of their Claude for Life Sciences product, which has already integrated Claude to platforms like Benchling, PubMed, and 10x Genomics.Its workflow runs on a multi-agent structure. A generalist coordinating agent addresses a researcher’s immediate request. It then determines sub-specialists best suited for the tasks. Anything from parsing a genomics pipeline to folding a protein could be fair play.A separate reviewer agent is then pulled in to look at the work and flag anything incorrect, whether it’s improper citations, data that can’t be traced back to source code, or something else. Then, a final answer is spit out to the researcher.In their launch post for the product, Anthropic touted how, in its beta, the technology was used for single-cell RNA sequencing analysis, CRISPR screen design, protein structure prediction, and even chemoinformatics work. All impressive feats.Its success led Anthropic to announce that they will provide funding for up to 50 AI for Science projects running from September through December 2026. This means a substantial number of labs are going to be producing many agent-assisted results in a short window. This is what has some experts concerned.The reproducibility claim, and what it actually coversThe crux of the issue comes back to Anthropic’s pitch and their claim of auditability. The company has noted that every figure produced by Claude Science comes with the exact code that generated it. This includes plain-language descriptions of how the data was created and its history. In practice, this means a researcher could open it up months later to understand how and why the data was produced.It’s an astounding capability that addresses the long-standing problem of being able to trace AI outputs in layman’s terms.However, auditable and regulatory compliant are not always the same thing. It’s one thing to read a code and determine the logic an AI system used to draft an answer, but it’s another to show who was accountable for signing off on the data or whether that data is even still accurate. This creates ambiguity related to the 21 CFR Part 11 regulation, which has governed electronic recordkeeping since the 1990s.This regulation stipulates that for something to have a true audit trail, it must have a secure, time-generated computer stamp and be tied to an authenticated human identity. It’s required for the data to count as an official record. For many experts, Anthropic's Claude Science builds a strong reproducibility claim, but whether its audit trail is in compliance with Part 11 is a little more unclear.The regulatory backdrop: Two signals convergingThe release of Claude Science coincides with two global regulatory issues. The EU and FDA have both raised concerns around AI, each of which has overlaps with the way Claude Science operates.Draft EU GMP Annex 22As detailed in the European Commission's 2025 draft, Annex 22 draws some of the sharpest lines yet between static and adapting AI models. The latter is excluded entirely from GMP-critical applications on the basis that if a model keeps changing its behavior and learning over time, it is an uncontrolled variable inside of a set system.Claude Science and other similar workbenches fall square within these sights. They’d be permitted in noncritical functions, but there would need to be documented human oversight and defined areas where a real person can get in and intervene.The Annex 22 draft also closes a loophole that’s been around for some time. The vendor who issued the model is the one responsible for GMP compliance. The resolution isn’t binding yet as it’s still under revision, but the final version is expected to hit at the end of 2026.FDA's April 2026 warning letter — human review as the bright lineAnnex 22 addresses models themselves, but the FDA took aim of the workflow itself in a warning letter to Purolea Cosmetics Lab on April 2. In it, the agency outlined that they found the lab had used AI agents to draft drug specifications, procedures, and master production records, then used those records without further human review. This was alleged as a direct violation of the CGMP requirements at 21 CFR 211.22(c).In one specific response, the FDA signaled the company had indicated they skipped a required validation step solely because the AI agent that was used hadn’t ever indicated the step was necessary.An industry analysis of the warning letter in ECA Foundation outlined the ramifications. All results or recommendations from an AI system need to be reviewed and approved by a human in a company’s quality control unit before it becomes a controlled record. This falls under Section 501(a)(2)(B) of the Federal Food, Drug and Cosmetic Act.The reason this made waves is because it serves as the first formal FDA warning letter addressing AI agent use directly and sets the precedent that authorized human review is now something inspectors can cite.Life science vendors are already carving out their own answersCompanies aren’t just sitting idly by. Regulatory direction has started to become exceedingly clear and, with workbenches already in scientists’ hands, life science software vendors are working to build connective tissue between technologies.Q&A: What R&D leads are actually asking IT and quality teamsAI technology is still in its infancy. As more tools and products continue to be rolled out, more and more questions will inevitably pop up. Here are some common ones being asked of IT and quality teams:If the coordinating agent delegates to a sub-agent, whose output is the record — the sub-agent's, or the coordinator's summary of it?In most workbenches, the record is what the coordinator spits out to the researcher. This means that much of the sub-agent’s work can go untracked, including any judgement calls, unless the platform it’s using is specifically built to avoid this. Quality teams reviewing agentic tools should start asking vendors to show full delegation chains and not just a single output.What happens when the model version updates mid-project? Do we need to re-validate every analysis run on the old version?Annex 22 gets at this issue a little bit. Under a static vs. adaptive reading, a model version change is a change-controlled event. The safest practice is to just pin a single model version to a study or submission for its entire duration. If there was a change midway through, log which versions produced which results in the same way a lab treats an instrument switch in the middle of a study. Proper documentation is key to compliance.If the reviewer agent flags and ‘fixes’ an error before a human ever sees it, is that fix part of the auditable history, or does it disappear into the final output?A correction to data that a human never saw is still an AI judgment call that shaped the auditable record. For that reason, it needs to be documented.Our data governance policy prohibits certain datasets from leaving our environment — does calling out to BioNeMo/Modal compute count as “leaving”?The answer to this will be specific and dependent on the architecture an organization is using. Some workbenches like Claude Science are built to keep sensitive datasets on infrastructures a lab already controls, sending out only context that’s needed. This distinction in how the models handle data is exactly what needs to be spelt out in internal governance policies.Under Annex 22 logic, is a CRISPR screen design a ‘critical’ GMP application or a research-stage, noncritical one — and who decides that line?The draft language for Annex 22 ties criticality to whether a model’s output is feeding a decision that affects product quality, design, safety, or integrity. It has nothing to do with the sophistication of the science. Early-stage CRISPR screen design will read as noncritical for most organizations. However, quality and regulatory affair employees in an organization need to make the designation jointly and document their reasoning in case of an audit.If the FDA's Purolea letter is the new bar, what does “authorized human review” actually have to look like for something like a computationally generated protein structure figure — a checkbox, or a documented technical review?The answer is closer to the latter. The Purolea letter didn’t just call out the absence of a human signature. It identified a fundamental issue in that there wasn’t a substantive human review documented. They used AI-generated documents without verifying compliance with CGMP requirements. Simply clicking a checkbox to provide a signature without actually doing a deep-dive review would likely yield the same scrutiny. The shape of the answer emergingDevelopments across the industry are in flux. The FDA has issued a warning letter but not a rule. Annex 22 is still a draft. Regulations are still being developed and vendors are still trying to evolve with them.However, workbenches, regulators, and vendors need to build a connective tissue between different technologies to ensure there is always human oversight behind any AI-generated decision.This story was produced by Kivo and reviewed and distributed by Stacker.
	How different types of auto insurance coverage compare How different types of auto insurance coverage compareChoosing the right auto insurance is important for many reasons. From complying with state law to putting yourself in the best financial position, your auto insurance can affect many aspects of your life. Choosing well can lead to peace of mind for years to come.But finding the perfect auto insurance for you may be easier said than done without proper research. To compare the different types of auto insurance and help you choose the best one for your needs, explore this guide from AAA Central Penn.Before you can start your auto insurance comparison, you need to understand the different coverage options that automotive insurance can provide. This helps you identify the type that will best meet your needs.Auto insurance can cover three types of costs:Liability covers the cost of damages you may cause to other people, such as medical expenses and vehicle repairs.Physical damage covers costs associated with your vehicle, such as repairs and part replacement.Personal covers other costs that problems with your vehicle may cause, such as medical expenses and lost income.Each type of insurance will cover you in at least one of these aspects, although some insurance types may cover several of them.6 Auto Insurance TypesThere are six types of insurance to consider getting for your vehicle. Some of these insurance types are optional, while others may be required by law. All states have their own state-mandated auto insurance requirements for drivers. AAA Central Penn 1. Liability CoverageLiability coverage, occasionally referred to as third-party coverage, covers the costs of certain damages that were caused by a road accident where you were at fault. Typically, liability coverage is split into bodily injury liability and property damage liability. In most states, drivers are required to be insured for both of these liabilities.Bodily injury liability helps cover the medical costs that may be incurred by someone you injure in a road accident.Property damage liability pays toward the cost of any property damage you cause to someone else while driving. This property could include their car, home or anything else they own.2. CollisionCollision insurance helps cover the costs you may have to pay for your vehicle if you hit another vehicle or object. Your insurance can help cover the repairs your vehicle needs. Alternatively, if your vehicle is irreparable or it’s cheaper to replace your vehicle, your collision insurance could cover the cost of a new vehicle.Collision insurance generally has a deductible, which is a minimum amount you pay when you make a claim.3. ComprehensiveComprehensive insurance can help cover the costs of damage your vehicle can incur, even when you’re not driving it. Common perils that are covered include:TheftVandalismFireHailExtreme weather eventsComprehensive insurance often includes personal accident coverage for the driver, too. This type of insurance usually has a deductible.4. MedicalThis type of coverage can help cover medical costs incurred from a road accident. The insurance usually applies to you and any passengers in your vehicle at the time of the accident. If someone covered by your policy was driving at the time of the accident, it could include them, too.The bills that medical coverage can go toward vary from one policy to the next, but typical costs include doctor appointments, ambulances, X-rays, surgery and more.Medical coverage is required in some states.5. Uninsured and Underinsured Motorist CoverageIf you suffer damages that were caused by an uninsured or underinsured motorist, this type of coverage could cover your medical bills. An underinsured driver is one who has insurance but can’t cover your medical bills, while an uninsured driver is one who doesn’t have any insurance that can cover your medical costs.Uninsured and underinsured motorist coverage may also cover the repair costs to your vehicle, depending on the state you live in. Whether this type of coverage is required also varies by state, but it’s optional in most.6. Personal Injury ProtectionPersonal injury protection (PIP) is similar to medical coverage, but provides more comprehensive coverage. While medical coverage will cover your medical bills, PIP can cover a wider range of costs. Depending on your policy, PIP could cover:Lost income as a result of your accident.Child care that becomes necessary as a result of your accident.Funeral costs if someone passes as a result of your accident.Accidental death benefits, which are a lump sum paid to the beneficiaries of anyone who died as a result of the accident. The death must occur within the time frame stipulated in the PIP policy.Extraordinary medical benefits, which can cover more expensive and long-term medical expenses incurred by your accident. Your PIP will cover these costs whether or not the accident was your fault. PIP is typically only required in no-fault states, although not all no-fault states require drivers to have it. Some states don’t allow PIP at all, while others require it.Auto Insurance Factors to ConsiderThere are several factors to consider about your own situation before you decide which auto insurance type is right for you. AAA Central Penn 1. CostCost is a top priority when buying auto insurance. One of the first questions to consider is how to balance your deductibles and your premiums. Generally, the higher your premiums are, the lower your deductibles are, and vice versa.Lowering your premiums means you pay less each month for your coverage. The trade-off is that if you make a claim, you’ll have a higher one-time payment to make for your deductible. When choosing your policy, you must decide whether you prefer the peace of mind that a lower deductible can provide if an accident occurs, or if you’d rather risk a lower premium to try to cut your costs.2. Vehicle ValueThe value of your vehicle may affect the value and type of physical damage insurance you may wish to get.Your vehicle’s value directly affects the insured declared value (IDV). The IDV is what your insurer believes your vehicle is worth, and is the maximum they’ll pay out to repair or replace it. A higher IDV means your insurer will pay out more for its repairs or replacement, but it does result in higher premiums. Your vehicle’s IDV will usually go down each year as your vehicle depreciates in value.One common financial guideline that many drivers follow is the 10% rule. This rule states that if your annual premiums will be higher than 10% of your vehicle’s market value, then you shouldn’t get comprehensive or collision coverage. However, this rule is often ignored by those who don’t want to worry about a large and unexpected expense if their car needs to be replaced.3. Financial HealthYour financial health may also affect which insurance types you need. Insurance is designed to help you pay for high, unexpected costs, and choosing not to get a particular type of insurance could leave you open to covering that cost yourself if needed. If you believe you may not be able to cover a large payment as a result of an auto accident, it’s better to get covered for any costs that are likely to have a large impact on your financial health.People who should strongly consider a high level of auto insurance are those who:Regularly drive long distances.Have a new or expensive car.May struggle to pay their bills if a road accident prevents them from working.4. Add-OnsMany insurance policies come with add-ons that drivers may find valuable. These add-ons can be complementary or offered for a discounted price. Common add-ons to auto insurance include: Roadside assistance coverage: If you become stranded or experience vehicle troubles on the road, you can receive free services to get your vehicle running again or take it to a mechanic. These roadside assistance services include towing, jump-starting, tire changing, fuel delivery and more.Trip interruption coverage: If you’re a certain distance from home and your vehicle breaks down, you’ll be covered for lodging or transportation costs. Trip interruption coverage is often paired with roadside assistance.Diminishing deductible coverage: Some policies offer to reduce your deductibles by a certain amount for each year that you have no claims.Glass coverage: This coverage option will cover the repair or replacement costs of your windshield or windows.Rental reimbursement coverage: If access to a vehicle is a priority, rental reimbursement coverage can pay for a rental car while your damaged vehicle is repaired or replaced.You can also get umbrella coverage to complement your auto insurance. Often seen as the ultimate add-on to your standard auto insurance, it can cover costs that exceed your standard policy. Additionally, it can sometimes cover costs that aren’t covered by your policy at all. These additional costs are often legal in nature, with your umbrella coverage paying toward legal defense for any lawsuits that arise from an accident you caused.Umbrella coverage often extends beyond your auto insurance, which means it can cover your home insurance and more. It can also cover legal fees for other types of lawsuits, such as libel or slander. Due to this extensive coverage, umbrella coverage is particularly useful to people with a higher risk of lawsuits or those with more valuable assets. Many auto insurance providers offer discounts on other products and services, too, making their policies even more attractive.All of these add-ons are valuable perks that may sway which provider you choose. However, they shouldn’t be a key factor in what type of insurance you pick.5. Legal RequirementsThe type of auto insurance required by law varies by state. Almost every state requires some form of liability insurance, although there are nuances involved. For example, in Florida, bodily injury liability is optional under certain policies, but the state requires property damage liability and PIP.Medical or PIP coverage is required in some states. Collision and comprehensive coverage are rarely, if ever, required by law, but may be required by lenders.How to Choose an Auto Insurance PolicyOnce you’ve researched and compared the different types of auto insurance, you should have the information you need to choose the ideal type for you. To find the right policy for your needs, you should:Determine which type of auto insurance you need: Based on the different coverage costs, your vehicle’s value, your financial health and desired add-ons, decide what type of auto insurance you need.Choose your coverage level: Decide how much coverage you’ll likely need. This will affect how much you pay in premiums and deductibles, plus how much you can claim.Find a reputable insurer: Find an insurer who has a good reputation, meets your needs and is in good financial health.Negotiate your policy: Discuss your insurance requirements with an experienced insurance agent before negotiating premiums, deductibles, add-ons and more. By effectively negotiating with your insurance provider, you’re more likely to get the best policy possible.This story was produced by AAA Central Penn and reviewed and distributed by Stacker.
	Local schools brace for ripple effect of Tyson closure The impact of the Tyson Foods plant closure is extending beyond workers losing their jobs, with local school districts preparing for the effects on students and their families.
	Tyson workers to hold rally at Joslin plant in protest of layoffs Tyson workers and supporters are holding a rally at the Tyson Foods plant in Joslin on Friday.
	Biggest accounts payable automation challenges and how to overcome them in 2026 Biggest accounts payable automation challenges and how to overcome them in 2026Accounts payable (AP) automation challenges often become visible after go-live. The controller realizes exceptions are still piling up. The enterprise resource planning (ERP) sync broke after a vendor name change, and approvers have quietly reverted to emailing PDF invoices for sign-off. The finance leader is asking where the time savings went, and the honest answer is that the tool is running, but the results aren't matching the pitch.The gap between what AP automation promises and what it delivers can be a major source of frustration in mid-market finance operations. It often follows a recognizable pattern that teams may not diagnose until they've already spent months reconfiguring around the wrong root cause. Partial automation can produce worse aggregate outcomes than many teams expected from their investment.Ardent Partners' State of ePayables 2024 found that best-in-class AP teams run invoice processing costs 78% lower than the rest of the market, and partial automation tends to leave teams nearer the high-cost end than the savings the tool promised.Brex broke down common AP automation challenges, specific fixes, a diagnostic framework for why automation underperforms, which challenges may matter most by company size, and how to build a return on investment (ROI) case when leadership asks for proof. Getting AP automation right starts with knowing what the category actually includes and where it delivers the most value.Why does AP automation underperform?Many AP automation problems can often be grouped into three root causes. Diagnosing the category before attempting a fix is what often separates a targeted intervention from repeatedly reconfiguring around the same problem. The point isn't to relitigate implementation indefinitely. It's to identify where the failure often sits so the team can fix the right layer.The process wasn't readyAutomation can reflect the process it finds. When AP runs on inconsistent vendor data, variable invoice formats, and approval logic that lives in one person's memory, the tool can carry that inconsistency downstream at higher speed. Exception rates can stay high when the root cause sits upstream of the technology. Standardizing accounts payable best practices before automating them is often a prerequisite for determining whether the tool performs as designed.The integration was misconfigured"Native integration" can mean different things across vendors. Some platforms build directly inside the ERP. Others use an API with sync delays and mapping dependencies. Others route through middleware that introduces its own transformation rules. When controllers discover the integration requires active management, clearing sync error queues, reconciling invoice counts between systems, and repairing mappings after a chart-of-accounts update, the promised efficiency can shift into a new category of maintenance work. The maintenance burden matters because time savings can fade if the team swaps manual invoice handling for manual sync repair.The people weren't trainedA workflow that approvers use consistently can give the team a more complete audit trail and more usable data. When shadow processes emerge, invoices are approved via Slack or via PDFs forwarded by email, even though the platform can leave the automation with an incomplete audit trail and a partial dataset. Key performance indicators (KPIs) built on that data can be misleading because they reflect only the invoices that happened to flow through the platform. Which of these three root causes matters most depends on the company's stage and invoice volume.7 biggest AP automation challenges to fixEach challenge below follows a consistent structure with symptoms, cause, and fix. Diagnosing the right category matters because a process fix applied to a technology problem wastes time without moving the metric. The goal is to reduce rework and recover the business case that justified automation in the first place.ERP integration failureReliable ERP sync protects the time savings the platform was supposed to create. AP aging in the automation tool sometimes disagrees with AP aging in the ERP, turning what should be a routine accounting reconciliation into hours of manual detective work for the controller. Sync errors accumulate in a queue that may go unchecked until month-end.Many AP platforms offer ERP connectors, but failures often emerge in how general ledger (GL) coding logic, cost center structures, and chart-of-accounts customizations are mapped between systems. Middleware layers and custom API integrations can introduce additional risk. In some cases, transactions are processed without error messages but write incorrect values to the general ledger. Small mapping errors can lead to close-cycle delays as invoice volume rises. Integration pain intensifies in multientity setups, often with 50 to 200 employees, where divergent GL coding, entity-level mapping, and intercompany matching multiply the ways a sync can drift.Designate the ERP as the single system of record for vendors and GL codes, and sync down to the AP tool. Run a preintegration field-level audit by exporting the vendor master, full chart of accounts, and cost center list. Confirm in writing each field the AP tool writes back to the ERP. Set up a weekly integration health check to reconcile invoice counts and amounts between the two systems. Test any integration change in a sandbox with real invoices before deploying to production. Controllers managing vendor payment automation alongside AP need the ERP sync to be reliable, as downstream payment timing depends on accurate upstream data.Persistently high invoice exception ratesLower exception rates start with identifying which root cause keeps the queue growing. Many mid-market teams operate with exception queues that remain stubbornly high after go-live. A large exception backlog usually means the team is fixing symptoms one invoice at a time while the condition that keeps generating them stays in place.Vendor master mismatches cause matching failures when the name or ID on the invoice doesn't match the record in the tool. Purchase order (PO) or price tolerance mismatches flag invoices outside configured variance thresholds, even when the difference is immaterial. Missing GL coding rules force invoices into a manual queue. Overly broad duplicate detection catches legitimate invoices alongside actual duplicates. Invoices from vendors that don't include PO references are not matched at all.Build vendor-specific coding and routing rules for high-volume vendors. Introduce tolerance bands for PO matching so minor variances don't automatically trigger exceptions. Run a 30-day exception categorization audit and classify each exception by type before changing any configuration. An optical character recognition (OCR) fix solves a different problem than a vendor master fix. The distinction around two-way matching in accounts payable matters here. Getting invoice matching consistent across vendors keeps both failure modes from recurring. A parallel effort to reduce duplicate payments can also lower the false-positive rate, thereby reducing the queue volume that requires manual review.Approvers bypassing automated workflowsGetting approvers to use the platform consistently requires understanding two drivers that create bypass behavior. The first is a workflow that doesn't match the business's actual decision logic. It may have too many approval tiers for low-value invoices, the wrong approvers for certain vendor categories, and no differentiation between routine and high-risk payments. The second is minimal training, where approvers were shown what the tool requires but never understood what it does for them. Adoption often improves when the process respects how decisions already happen across the business.Redesign approval tiers around risk and materiality. Auto-approve low-value invoices from known vendors under a defined threshold, route midrange invoices to a single approver, and reserve multistep approval for high-value or first-time vendors. Put approvals on the channel approvers already use, email or mobile, with a single clear action. Set an internal approval service-level agreement (SLA) with automatic escalation to the approver's manager, and make it visible to the finance leader. In many teams, the workflow should reduce the AP manager's manual follow-up. Approver adoption can improve when the workflow reflects how decisions are actually made, rather than how an implementation consultant assumed they would be made.Automation is configured for a process that doesn't reflect realityA configuration that matches the real workflow can give AP staff fewer reasons to invent work-arounds. Edge cases and exception-prone invoice types often surface post-go-live that nobody accounted for during implementation. AP staff then invent work-arounds that become informal standard operating procedures (SOPs). Once those side processes take hold, the automation layer no longer represents how AP really runs. Smaller teams, often under 50 employees, hit this when a platform built for heavy configuration lands before intake, coding, and approvals are standardized.Map the current as-is workflow in specific detail before reconfiguring. Document known exception scenarios, vendor types, and department-specific coding preferences. Segment the invoice population into three tiers. High-volume, low-complexity invoices qualify for full automation. PO-backed invoices require configured matching with exception routing. High-complexity invoices get human review as a designed feature of the workflow. Write SOPs for the updated workflow and use them for onboarding new AP hires. If the accounts payable process lives only in one person's memory, each new hire often discovers the work-arounds independently.Vendor master data quality problemsClean vendor data supports accurate posting, remittance, and review. Split payment histories, misapplied remittances, and validation failures that trigger manual review all point to the same underlying issue. Dirty vendor master data generated with occasional manual errors can produce systematic errors at scale in an automated environment, and adding vendors without proper vetting can compound the exposure to duplicate payments, misapplied funds, and compliance gaps.A vendor master cleanup typically includes de-duplicating records, standardizing naming conventions, and deactivating records with no purchase history in a defined prior period. Many companies also move vendor creation and banking detail changes to a dual-control process, requiring two separate approvals for any modification, and assign a named owner for vendor master governance. The cleanup matters because a cleaner vendor master can improve posting accuracy, payment reliability, and audit readiness, and it may make it easier to keep track of invoices and payments across every vendor relationship.Fraud risk that automation introducesAutomated AP may need stronger review points because payments may move faster once a file is approved. The 2025 Association for Financial Professionals (AFP) Payments Fraud and Control Survey found that 79% of respondents reported their organizations experienced attempted or actual payments fraud in 2024. Business email compromise (BEC) remained the No. 1 avenue for attempted and actual payment fraud, cited by 63% of respondents. Vendor imposter fraud was cited by 45% of respondents, an 11-percentage-point increase from the previous survey.Three automation-enabled fraud vectors are specific to AP. One is vendor banking change fraud, where an attacker impersonates a vendor via email and requests an automated clearinghouse (ACH) account change so the next automated payment goes to the attacker. Another is ghost vendor creation that exploits automated onboarding lacking dual-approval controls. A third is invoice duplication through multichannel submission that takes advantage of tools without duplicate detection that catch repeat submissions without flagging too many valid invoices. The faster money moves, the less time teams have to catch a bad change before it turns into a real loss.Don't process vendor banking detail changes through the same channel the request arrived in. Verify the new banking details by contacting the vendor using the method established before the request. Configure dual authorization for any banking update. Run a daily prerelease payment file review focused on new vendors receiving first-time payments, vendors with recent banking changes, and amounts materially above historical averages. Controllers responsible for internal accounting controls should treat AP fraud controls, including clear separation of duties, as a design requirement built into the AP workflow from the start.Missing baseline metrics that block ROI proofBuilding a credible answer to the question of whether AP automation saves time and money requires baseline metrics that many teams didn't capture before implementation. Default reports may show activity, processed invoices, and completed approvals, but they may not show efficiency, time saved, cost reduced, or exceptions eliminated. Efficiency requires a before-and-after comparison that many teams never set up. Without that baseline, finance teams are left defending a project with anecdotes instead of evidence.How to prove AP automation ROI to the finance leaderThe AP automation ROI case gets easier to make once the right metrics are in place. These three steps provide the controller with a credible framework for presenting results or diagnosing ongoing underperformance. They also make it easier to explain why a tool may be live but still not delivering the expected operating leverage.Establish the baseline, even after the factA small set of metrics usually matters most. They are cost per invoice, invoice processing cycle time, exception rate, touchless processing rate, and on-time payment rate. If no baseline was captured before implementation, reconstruct it from ERP invoice and payment dates for the six months before go-live. Payroll records showing AP staff time allocation, late-payment fee history, and early-payment discount capture rates from vendor payment records collectively contribute to a retroactive baseline. Controllers tracking accounts payable metrics already have the measurement infrastructure, and folding that tracking into regular accounts payable reporting keeps the baseline current instead of a one-time snapshot. Teams that aren't should start with cost per invoice and cycle time.Set realistic targetsSet targets that show measurable operational progress. Present current performance against the team's own baseline and show direction of travel quarter over quarter. A finance leader who sees a decline in cost per invoice over two quarters has a business case with visible progress. Realistic targets matter because leadership is more likely to support the next improvement cycle when the numbers show steady, defensible operational gains.What to say when the numbers still aren't goodIf automation is still underperforming, the ROI conversation requires a structured problem statement. Name the root cause, process, technology, or people. Identify the specific challenge from the section above, describe the fix underway, and state the metric it will affect and when. A finance leader who hears that the exception rate is elevated, that the root cause is vendor master data quality, that cleanup is underway, and that the team expects improvement by a stated internal deadline that has a credible diagnostic. A promise of better results next quarter without a specific mechanism doesn't hold up in a budget review. Controllers who want to automate accounting processes more completely should treat the ROI framework as the feedback loop that tells them which automation efforts are producing returns and which need intervention.Disclaimer: This article reflects Brex’s perspective at the time of publication and is intended for general informational purposes only. It is not intended as legal, tax, accounting, or financial advice. Laws, regulations, and guidance may vary based on your specific circumstances, and interpretations or outcomes may differ. Information may also change over time. Before making any decisions, you should consult your own qualified legal, tax, accounting, or financial advisors.This story was produced by Brex and reviewed and distributed by Stacker.
	Same flight, different logbook: Why a private jet crew's experience looks bigger on paper in the US than in Europe Same flight, different logbook: Why a private jet crew's experience looks bigger on paper in the US than in EuropeImagine for a moment two first officers who just finished identical careers. Exact same aircraft. Exact same number of years. Exact same routes.One trained and flew under the Federal Aviation Administration and the other under the European Union Aviation Safety Agency. When they both apply for their next job, one logbook shows 1,500 hours of pilot-in-command (PIC) time but the other shows 0.That’s not an error. Neither logbook is wrong and nothing about their flying experience is actually different.Charter broker screening, insurance underwriting, Argus and Wyvern audits, and international standards qualification reviews all make reference to a PIC number, but what it actually means for the pilot depends on which regulator produced it.Paramount Business Jets has put together a comprehensive guide leveraging regulations in the U.S. and the European Union, information from the FAA, and industry resources to show what PIC actually means when looking at two logbooks side by side.One flight, two logbooksThe easiest way to understand how there can be differences in what PIC numbers mean is to look at a real-world example.Picture a two-pilot business jet that has a captain and first officer. They are flying a 1.5-hour charter leg. The captain is the designated commander for the flight under both regulatory regimes. Nothing changes there. What is different, however, is who else in the cockpit gets to log the time as PIC.There is one structural difference between the FAA and EASA that determines this. The FAA defines PIC by what a pilot's hands are doing, and the EASA determines it based on who holds command authority.How the FAA crew logs the legIn this imaginary leg, say the first officer hand-flies it as part of a normal rotation of duties in two-pilot operations. Under 14 CFR 61.51(e)(1)(i), a pilot can log PIC time when they are the sole manipulator of the aircraft controls for which they are rated. It doesn’t matter who is “in charge” of the flight.The captain will separately log the same leg as PIC under 61.51(e)(1)(iii), which covers acting as PIC of an aircraft that requires more than one pilot by type certification or operating rule. It’s two different provisions and two different justifications for a single flight. Both pilots log 1.5 hours of PIC.This course of action is completely allowed. The Chief Counsel of the FAA has confirmed as much. In this scenario, there would be three hours of PIC logged between both pilots against 1.5 hours of actual flight time.How the EASA crew logs the same legThe EASA works a little differently. There is no general sole-manipulator concept. As outlined by Regulation (EU) No 965/2012, the term “pilot-in-command” explicitly means the pilot who is designated as being in charge of the safe conduct of the flight. Further, CAT.GEN.MPA.105 attaches the responsibility to only a single person during the whole flight.So, what does this mean? On the same 1.5-hour flight, the first officer, even though they hand-flew the exact same leg, logs 1.5 hours as co-pilot time. The only exception is if the operator is running a formal pilot-in-command program under supervision.Most charter and fractional operations where a pilot is available and ready to intervene don’t run such a program, meaning 1.5 hours of PIC are listed across both logbooks.FAA framework: Sole‑manipulator PIC loggingThe FAA’s approach traces back to a design choice they outline in the broader 14 CFR 61.51. They choose to separate the question of who is legally responsible for the flight from the question of what a pilot may write in their logbook. A rated pilot who is the sole manipulator of the controls can log PIC, even if there is someone else on the flight with deck authority.An additional interpretation from the Chief Counsel on autopilot use explains the argument from another angle. Logging PIC hinges on being the one to manipulate the controls. Autopilot engagement can interrupt this status, independent of who is legally in charge of the plane.What this creates is a routine practice of dual-logging in many multi-pilot FAA operations. A captain will log their PIC under the acting-PIC provision for the whole flight. The first officer will also log PIC for whatever portion they were hand-flying under the sole-manipulator provision. Both are correct, and nobody is overstating their record.For business aviation logbooks, though, the practical result is that FAA-trained first officers accumulate a significant amount of PIC time before they’ve ever been the true captain.EASA framework: PIC, PICUS, and SPIC as PICUnder EASA’s Part-FCI structure, PIC is logged differently. PIC status is attached to the designated commander. A first officer hand-flying gets co-pilot time, but not PIC.The exceptions are narrow and specific. There is student pilot-in-command time for pre-license students flying solo-equivalent legs under supervision and the Pilot in Command Under Supervision time for licensed first officers flying under supervision. The arrangement must be approved by the competent authority where intervention on behalf of a commander isn’t required for safety.From a career progression standpoint, PICUS hours matter more. This is because up to 500 of the 1,500 PIC hours required for an unrestricted airline transport pilot license can come from PICUS time. This is credited under FCL.510(a)(2). That being said, the 500-hour ceiling is a credit towards a specific license milestone. It’s not an open parallel to the FAA’s sole-manipulator logging standard.A European first officer who spends their years flying business jet legs outside a formal PICUS program will need to log those hours as co-pilot time. This may make their total PIC figure sit near zero at a point where, well into their career, an FAA counterpart looks far more senior even if they are equal.Comparing PIC totals: Hours as a unit of accountThe gap really emerges when the math is expanded over a full first officer’s tenure. Imagine a pilot who flies 3,000 hours over a five-year period as a first officer, with half the time spent hand-flying in two-pilot business jet operations.Under the FAA’s sole manipulator rule, that pilot will log 1,500 hours of PIC time. Under the EASA, that same pilot would produce close to 0 PIC time unless they were operating under a PICUS program.Flight time, experience type, and competence are all equal. Yet the PIC column tells a different story.This is why the two numbers shouldn’t be used interchangeably in the same formula. A PIC total under the FAA is a reflection of both command experience and hand-flying experience blended into a single number. A PIC total under the EASA reflects just command experience in most cases. These numbers are measuring different things in accordance with specific regulatory requirements.Operational impacts for U.S. charter and Part 135The difference between the two systems gets even more confounding when one considers that mixed-nationality crews are very common in business aviation. When operators are running both FAA and EASA licensed pilots, they need to build reconciliation practices around the gap.In some cases, the workaround is requesting supplemental documentation rather than flight time broken out by role. An example could be to include operator letters confirming line experience.However, the friction shows most notably when a European first officer applies to a U.S. Part 135 operator. In many cases, their EASA logbook shows a fraction of what an FAA-trained counterpart may show, but it’s just a matter of who issued their license. An operator screening applications by just PIC minimums may pass up a perfectly excellent pilot without even knowing it.Get yourself a European pilot and it becomes clear that their experience needs to be translated for an underwriter or auditor who is reading the numbers as if they came from an FAA logbook. How U.S. clients and brokers should read hoursThe practical takeaway from all of this is to treat PIC as a supplemental unit of account rather than a direct measure of experience. Always ask which regulatory regime produced and stamped off on a logbook before comparing two pilots.A short checklist can help:1. Ask which authority issued the license and which hours were logged.2. Ask for total flight time and type-specific time alongside the PIC number.3. Ask specifically whether any PIC time came through a PICUS program for European pilots.4. Remember that published PIC minimums assume FAA style logging and that a European crew roster will require supplemental verification of experience.Q&A section: Dual‑licensed pilots, two logbooks, and practical choicesWhat about pilots who hold both an FAA certification and an EASA license?Generally speaking, the best rule of thumb is to follow the certificate privileges rather than the nationality of the pilot. A dual-licensed captain flying a U.S. registered aircraft under FAA authority logs that flight under 61.51, but flying an EASA-registered aircraft would be logged under Part-FCL and AMC1 FCL.050. The aircraft’s state of registry and operating rules in force should decide which logbook convention applies to the flight.Should pilots maintain two logbooks?For anyone who holds a certification from both regulators, the answer is yes. It’s also close to unavoidable in practice. A single logbook built to satisfy the FAA won’t meet EASA’s requirements and vice versa. Most dual-licensed pilots already have dual records.How can U.S. operators ask for clarity without putting an applicant on the spot?Clarity is key. Ask direct questions and don’t rely solely on PIC numbers. Inquire as to the authority that issued their license. Dig into whether any PIC time came from a PICUS program. Learn what their type-specific time looks like. All of this will give an operator a comfortable picture of a pilot’s true experience.Finding the right pilot for your needsRemember that a pilot’s listed PIC hours aren’t a standalone measure of their competency. It’s a bookkeeping convention that differs across regulators. The FAA counts the time hands are on the controls. The EASA wants to know command authority time.Two captains with two identical flying histories can have wildly different PIC times logged, but it doesn’t mean one is automatically more experienced than the other. The best operators dig deep and ask extra questions to determine who may be the best candidate.This story was produced by Paramount Business Jets and reviewed and distributed by Stacker.
	Rural America's healthcare crisis: The 10 most vulnerable states Rural America's healthcare crisis: The 10 most vulnerable statesIn Texas, fifty rural hospitals are at risk of closure. That is more than any other state in the country. Behind Texas, in descending order: Kansas (44), Tennessee (27), Georgia (25), and Mississippi (24).Behind those numbers is a typical Friday afternoon at a Skilled Nursing Facility (SNF) that takes patients from those vulnerable hospitals. The discharge packet arrives on paper. The patient does not arrive by ambulance. They arrive in a personal vehicle. The intake nurse reads what she can. The medication changes from the last 24 hours are still moving through a system that runs on phone calls and paper faxes, and they will reach her inbox two days after the patient does.Texas has also lost more rural hospitals than any other state since 2010, twenty-seven in all. And of the $50 billion in federal funding announced through the Rural Health Transformation Program last December, Texas will receive about $66 per rural resident. Rhode Island will receive $6,305. The Texas application, approved this April, proposes using artificial intelligence to process faxes as its central modernization initiative. The state is spending federal money to apply AI to the paper-based records its rural hospitals still run on.eFax, a digital fax and intelligent document processing provider, analyzed federal health data, state hospital records, and the paper-based systems that still carry most patient information, alongside its own research into how records actually move between care settings, to map which states sit at the deepest end of the healthcare data divide in 2026. The states most exposed to that divide are the ones getting the smallest federal lifeline. eFax A ranking where every position tells the same storyTexas, Tennessee, and Mississippi sit at the top of a ten-state ranking built on four measures of how badly rural healthcare is failing: hospital finances, whether the state expanded Medicaid, how many hospitals have closed since 2010, and whether records can move digitally between various systems and facilities, what the federal government calls interoperability. Arkansas, Kansas, and Florida fill the next three places. Oklahoma, Georgia, South Dakota, and Wyoming round out the top ten.Six of the ten have not expanded Medicaid. Two more operate limited or work-requirement versions. Only two, Oklahoma and South Dakota, adopted full expansion in the past five years, and both still rank in the top ten because the financial damage runs years deep.At the top of the list, the numbers stop reading like an index. They start reading like a wave that has already broken.Kansas. Florida. Mississippi. Tennessee. Four different states. Four different ways the same crisis lands.In Kansas, more than eight in ten rural hospitals operated at a loss last year. That number would be a crisis headline in any other state. In Florida, more than seven in ten rural maternity wards have closed since 2014. In Mississippi, more than half of the rural chemotherapy capacity is gone. In Tennessee, the share of rural hospitals classified as vulnerable to closure jumped by seventeen percentage points in a single year.Inside the hospitals still operating in these states, the work that goes into moving a patient's records is mostly invisible to the people in the rooms with the patients. According to a survey of hospital technology leaders, nearly half of providers still use paper fax to send patient data to facilities that do not have digital medical records. About half the time, those records arrive in one to two days. The other half, it takes three to five.Why the ranking holdsThe states at the top of this list are about to absorb a second shock. The 2025 federal budget law cut roughly $1 trillion from Medicaid over the next decade, and the American Hospital Association estimated rural hospitals would lose $50.4 billion of that funding. The same Rural Health Transformation Program these states are counting on to modernize is, in part, the relief fund meant to offset those cuts. The money arriving to digitize rural records is the same money backfilling the revenue these facilities are losing. For a hospital already operating in the red, every dollar redirected to cover uncompensated care is a dollar not spent on the systems that would let it share a patient's records. The ranking measures where the divide is deepest. The budget math explains why it is likely to stay that way.The pattern hiding in the federal dataFederal data has never published a state-by-state ranking of how well hospitals share records. The closest the federal government has released is a national comparison. Among hospitals that belong to a larger health system, 53% routinely share patient records electronically. Among independent hospitals, the kind that fill rural counties, 22% do.That 31-point gap runs underneath the entire ranking. Independent hospitals cluster in the rural counties in the non-expansion states at the top of this list. The same hospitals that cannot afford to upgrade are the same ones where fax and mail sending actually rose, from 30% in 2023 to 40% in 2025. According to eFax's analysis, about 15 billion fax transactions still move through American healthcare every year. At least 70% of healthcare organizations still use fax to exchange medical information.Adoption climbed; exchange went backward.The federal lifeline that did not equal outThe Rural Health Transformation Program was authorized at $10 billion per year for five years, beginning fiscal 2026. All fifty states received first-year awards. The allocations were not even.Texas, with the most vulnerable rural hospitals and the most closures since 2010, received the largest total award in the country at $281 million. Spread across its rural population, that comes to about $66 per person, the lowest per-capita figure in the country. Tennessee received roughly $115 per rural resident. Mississippi, about $260.Rhode Island, which has no rural hospitals classified as vulnerable, received $6,305 per rural resident.Every state received a flat $100 million floor, which meant the largest states saw their per-person share shrink. The rest rewarded states for what they proposed to do with the money. Texas proposed using AI to process faxes. Tennessee proposed adding AI to rural medical records. Oklahoma proposed buying electronic health record systems for rural facilities outright.The federal government estimates $782 million in annual savings once providers move off paper fax nationally. The states with the deepest divide are getting paid to acknowledge it. The math has not yet started to close it.What holds the ranking in placeThe states at the top of the ranking share three features beyond the financial picture. They have rural hospitals operating in the red at rates well above the national average. In states that never expanded Medicaid, 52% of rural hospitals operated at a loss in 2023, compared with 35% in expansion states. They have closure histories deep enough that 69% of all rural hospital closures between 2014 and 2024 happened in non-expansion states. And they have a reason why their rural doctors cannot share records the way urban doctors can.The widest rural-versus-urban gap in the most recent peer-reviewed study is not in whether doctors use electronic records. About 64% of rural physicians do, ten points behind urban. The gap is in whether those records can move. On the federal score that tracks interoperability, urban physicians average 34 out of 100. Rural physicians average 20.Inside the nursing facilities that take in the patients these hospitals discharge, only about 14% use their electronic records on a daily basis, and 76% report receiving unusable patient data on intake. The records arrive on paper. Sometimes they arrive late. Sometimes they arrive incomplete. The nurses on the receiving end work around what they have.What is closing the gap, even slowlyThe technology that bridges this kind of gap does not require every small facility to buy a $100,000 electronic health record system. At roughly $33,000 per physician, a three-doctor rural practice would face a six-figure investment just to get on the grid. Instead, a growing number of healthcare organizations are pairing AI with the internet-based fax services they already use to convert paper records into digital data their existing systems can read. According to a 2026 industry survey, nine in ten healthcare leaders are already evaluating or have adopted this approach. The federal Rural Health Transformation Program named technology upgrades for record-sharing as approved uses of the funding, and several state plans approved this spring list data exchange as a priority. A second federal initiative, launched in late 2025, requires providers to move away from paper fax machines and adopt a digital standard for sending medical documents to insurers by 2028.The pieces of the bridge exist. AI is being added at the point where paper enters the system, reading the document, pulling the medical data out, and routing it into the receiving facility's workflow in minutes instead of hours.The pieces are unevenly distributed.A January 2027 federal deadline could start to push these states off the top of the list. Major insurers, including Medicare Advantage and Medicaid managed-care plans, have to meet new standards for sharing records and processing approvals digitally. By March 2026, they were required to report their progress publicly. By January 2027, they have to build digital systems that let hospitals, doctors, and insurers share records and approval decisions automatically. Penalties have already started: up to $1 million per violation for technology vendors, and a median of about $394,000 for hospitals caught blocking the flow of patient information.What would move a state off the top by 2028 is the same thing that put Texas at the top in 2026. If federal funding flows to where the gap is deepest, the gap closes.In 2026, the gap is still holding. The patient still arrives before the paperwork.This story was produced by eFax and reviewed and distributed by Stacker.
	Have too many credit cards? Here's which ones you should cancel Have too many credit cards? Here's which ones you should cancelA wallet full of credit cards isn't a problem by itself. But it's time to cancel one when you're paying annual fees for perks you never use, or an old card stays open only because a forgotten subscription is charging it.Nearly 1 in 5 cardholders pay an annual fee on their primary card, according to Motley Fool Money research examining 2025 Federal Reserve data. If yours isn't paying you back in cash back or rewards, start there. But closing credit cards can ding your credit score, so strategy matters.One rule first: if you're carrying a balance, pay it down before canceling anything. Closing a card doesn't erase the debt, and no rewards perk beats what you're losing to interest. Motley Fool Money shares how to decide what stays and what goes.1. Cancel when the annual fee costs more than the perksA pricey credit card only earns its keep when the perks pay you back more than the annual fee. There's no sense in paying $95 per year for a card that sits unused.Before canceling, ask the bank about switching to a no-fee version of the card. Most mainstream rewards credit cards have several downgrade options, which keeps the account open and protects your credit history. It usually takes one phone call.If there's no downgrade and the benefits don't cover the fee, cut it loose. A card that costs more than it gives back is the easiest first cancellation.2. Cancel your newest credit cards before your oldest onesWhen two credit cards are on the chopping block, close the newer one. Your credit score rewards long relationships, so closing a recently opened credit card does less damage than closing a longtime one.Handle one thing first: Cash out your rewards before the account closes. Points, miles, and cash back usually disappear the moment a credit card is canceled. Americans let billions in credit card rewards go unused every year, according to 2025 Consumer Financial Protection Bureau research. Don't add your balance to that pile.3. Cancel when your spending has moved on from the cardThe best credit card for your life five years ago might be the wrong card today. A card built for restaurants and nights out loses its value if your spending shifts to groceries and family runs.And sticking with old rewards programs can cost you. Say you spend $20,000 a year on a credit card earning 1% cash back. That's $200 in rewards. Move the same spending to a 2% flat-rate cash back card and you'd pull in $400. Same purchases, double the cash back, no new habits to build.How canceling a credit card affects your credit scoreThere are two main reasons closing a credit card can nudge your credit score downward.First, canceling a credit account shrinks your total available credit. That raises your credit utilization, the share of your available credit you're using, which is a major factor in your credit score. Using a small slice of a big credit limit looks better to lenders than maxing out a small one.Second, closing an account can shorten your credit history over time. A closed account in good standing can stay on your report for up to 10 years. Once it drops off, your average account age can slip, and so can your score.These are easy to plan around. Protect your oldest accounts and any high-limit credit cards you have open to avoid an ugly surprise on your credit report.Most people only need two to three credit cardsThere's no perfect number of credit cards to have, but most people do fine with two or three well-chosen cards. A simple lineup covers nearly every purchase.Your oldest no-annual-fee card, kept open for history. This anchors your credit age and costs nothing to hold. Put one small bill on it and set autopay.One credit card for your biggest spending category. Whether that's groceries, gas, or travel, this is where you earn the most. It should match your largest monthly expense.A flat-rate card for everything else. A simple cash back card that earns the same on every purchase handles whatever the first two miss. There are no categories to track.Three cards can cover a grocery run, a gas fill-up, and a big vacation without cluttering your wallet. More than that is usually just more to manage.Fewer cards, more rewardsA little credit card strategy goes a long way here. The goal isn't to cancel every card you don't use but to stop paying fees you don't have to and earn more on the spending you're already doing.Start with the fee cards you've outgrown. Protect your oldest accounts. Then build a small lineup of the best credit cards that match how you actually spend.FAQsShould I cancel a credit card I don't use?If it has no annual fee, it's usually best to keep it open. Keeping old credit cards open adds to your available credit and your average account age, both of which help your credit score. If it does charge an annual fee and you're not using any perks, downgrading to a no-fee version beats canceling.Does canceling a credit card hurt your credit score?It can, but usually not by much, and not forever. Closing a credit card lowers your total available credit, which can raise your credit utilization and dip your credit score. Keeping your oldest credit cards open and your balances low elsewhere softens the hit, and credit scores often recover within a few months.This story was produced by Motley Fool Money and reviewed and distributed by Stacker.
	Parking lots to be closed in downtown Muscatine, Riverside Park for events Muscatine has a busy 10 days coming up for the end of August and wants to make residents aware of parking closures for downtown and Riverside Park lots.
	11 fall traditions and new adventures at The Beach (BPT) - If you're looking for a warm-weather fall escape this year, head to Myrtle Beach, South Carolina, where coastal traditions, local flavor and memory-making events keep the season glowing. Locals agree that The Beach is at its best during autumn, when the Grand Strand comes alive with surfing witches, music festivals and cook-offs the whole family can enjoy. With unexpected experiences and one-of-a-kind ways to celebrate, fall at The Beach offers a getaway that's wonderfully different from the expected.Below are just a few of the beloved traditions and new experiences you can enjoy this fall in the Myrtle Beach area.1. Loris Bog-Off FestivalOn Oct. 17, downtown Loris — located at the northern end of The Beach — will host the 47th annual Loris Bog-Off Festival. The festival celebrates the region's signature chicken bog — a Lowcountry dish featuring a flavorful mix of rice, chicken, smoked sausage and closely guarded seasonings. What began in 1980 as a cooking contest has evolved into an annual tradition that brings together family recipes, live entertainment and local vendors, culminating in a grand fireworks finale.2. Witches Sunrise SurfThat same morning, visitors can head to North Myrtle Beach to witness the fifth annual Witches Sunrise Surf. Costumed surfers will paddle into the Atlantic to ride the waves, flying upon surfboards to greet a beautiful fall day. This playful Halloween twist is one of the area's most delightful and unexpected coastal traditions, and it will have you setting your alarm early to watch the sunrise behind a coven of black hats and broomsticks.3. Conway: City of HalloweenFor more Halloween fun, take a short drive inland to Conway, a historic river town that officially renames itself the City of Halloween, S.C. Throughout October, you can walk Conway's downtown and take in the sights of jack-o'-lantern trees, floating witch hats, oversized creatures, immersive lighting and family-friendly happenings. If you plan to visit on Oct. 17, make sure to take the family to see the town's Graveyard Grand Prix Coffin Race, where locals race homemade, human-powered "coffins" through downtown.4. Patriots Day FestivalVisit Little River — the oldest of the Grand Strand's 14 communities — on Sept. 12 to celebrate the town's Patriots Day Festival. This event honors service members and first responders while also raising funds for a memorial reef, a diving and fishing destination and coral restoration effort. The reef gives this new event an added sense of purpose that connects celebration, service and coastal environment stewardship.5. Little River Waterfront Fright NightsIf you're lucky enough to visit Myrtle Beach Sept. 24-Oct. 31, you can be among the first to experience the new Little River Waterfront Fright Nights. This six-week Halloween experience offers visitors plenty of spooky spectacles to choose from, including the Trail of Fear, waterfront decor, a haunted house, a costume contest and pirate-themed 'Boos' cruises along the Intracoastal Waterway.6. NMB Live!Music lovers, mark your calendar on Sept. 26 for the inaugural NMB Live! festival. This event brings three stages of free music to Main Street in North Myrtle Beach during the SOS Fall Migration, a celebration of the Carolina Shag dance held Sept. 18-27. The timing connects something new with a tradition that began in Ocean Drive's dance clubs in the late 1930s. Named South Carolina's official dance in 1984, the shag continues to be a vibrant part of North Myrtle Beach through lessons, competitions and celebrations.7. Purdy CenterVisit Brookgreen Gardens — voted one of the top 10 Best Public Gardens in the U.S. — as it enters its first fall with the newly opened Purdy Center. This spacious venue and conservatory gardens feature a light-filled Great Hall, changing botanical displays and a floor-to-ceiling tropical Green Wall.8. Harvest Home WeekendHave double the fun by visiting Brookgreen Gardens Oct. 3-4 for Harvest Home Weekend. Families can enjoy traditional fall activities such as picking their annual pumpkin, building and taking home their very own scarecrow, getting lost in a hay maze, creating a festive craft and enjoying an Autumn Creek Adventure amid the sculpture gardens and Lowcountry landscape.9. Myrtle Beach Songwriters FestivalNov. 13-14, head to downtown Myrtle Beach for the new Myrtle Beach Songwriters Festival. This two-day event is a walkable celebration of original music, storytelling and coastal culture. Enjoy musical performances from more than 50 singer-songwriters and poets from across the country performing their original work in intimate listening-room settings in multiple venues. Produced by Songs That Save Foundation, the event will support local children and families through Backpack Buddies.10. Jazz FestThis year, jazz enthusiasts can help celebrate the 10th anniversary of the Myrtle Beach Jazz Fest on Oct. 16-18 in Myrtle Beach. During this three-day celebration, the spacious event grounds will feature nearly two dozen live jazz performers, along with a variety of food options and cultural experiences.11. Crazy Sister MarinaMyrtle Beach's pleasant fall weather means there is still plenty of time for an adventure on the water. Visit Murrells Inlet and book an excursion with Crazy Sister Marina, a fishing charter, water sports and tour company that gives visitors unique ways to stay on the water well into the fall season, including dolphin-and-sea-life cruises, guided kayak tours, jet ski rides and half-day deep-sea fishing trips. Make sure to stay after sunset and experience a children's pirate sunset adventure, a Full Moon Ghost Stories Cruise and a Murder Mystery Dessert Cruise.Your next beach vacation starts this fallWhether you're seeking a quick weekend getaway or a longer stay, fall in Myrtle Beach offers every type of traveler a warm-weather escape that celebrates the best of autumn and the Grand Strand's unique communities. For trip ideas, lodging offers and a comprehensive event calendar, visit VisitMyrtleBeach.com.
	How Trump accounts compare to other tax-advantaged savings accounts for your child How Trump accounts compare to other tax-advantaged savings accounts for your childTrump Accounts officially opened for contributions on July 4 of this year, and millions of American families have already signed up. The launch has sparked some questions from parents: What exactly is a Trump Account, and how does it compare to other tax-advantaged savings vehicles for children?The short answer is that a Trump Account is not a replacement for any of them. It’s a new tool with its own rules, tax treatment, and trade-offs, created as part of The One Big Beautiful Bill Act. This guide from Wealth Enhancement compares four tax-advantaged savings vehicles for children, side by side, so you can decide which one, or which combination, fits your family’s financial goals. And because building healthy financial habits for your children early matters as much as the tax-advantaged savings vehicle you choose, the guide concludes with a practical decision framework.What You’ll Learn in This GuideWhat Trump Accounts (530A) are and how they work.How they compare to 529 plans, UTMA/UGMA accounts, and custodial Roth IRAs.Which tax-advantaged savings vehicles fit your family’s financial goals.How to take action.What Is a Trump Account (530A)?The BasicsA Trump Account is the common name for a Section 530A account, a new tax-deferred investment account for children established under The One Big Beautiful Bill Act. Structurally, it works like a modified traditional IRA owned by the child but administered by a parent or other authorized adult until the child reaches adulthood.Any child under age 18 with a Social Security number valid for employment is eligible, and only one Trump Account may be opened per child. Children born between January 1, 2025, and December 31, 2028, and who are U.S. citizens, also qualify for a one-time $1,000 seed contribution from the U.S. Treasury under the program’s pilot provision. Notably, no earned income is required to contribute, which makes the Trump Account the only IRA-style vehicle available to babies and young children.Key Rules and Contribution Limits for 2026Annual contribution limit: Up to $5,000 per child per year (indexed for inflation), combined across all contributors.Employer contributions: Up to $2,500 of the $5,000 annual limit may come from a parent’s employer. These contributions are excluded from the employee’s taxable income but count toward the $5,000 cap.Who can contribute: Parents, relatives, friends, employers, and certain nonprofit and government entities.Earned income requirement: None. Unlike a Roth IRA, no earned income is required for contributions.Investment restrictions: Limited to low-cost, broad-market U.S. stock index funds and ETFs, with expense ratios capped at 0.10%. Bonds, actively managed funds, and leveraged products are not permitted.Withdrawal rules: Funds generally cannot be withdrawn before January 1 of the year the child turns 18. After that, the account operates under standard traditional IRA rules, which set the current penalty-free withdrawal age at 59 1/2.Excess contributions: Amounts over the annual limit may trigger a 6% excise tax each year until corrected.Tax TreatmentContributions are made with after-tax dollars, meaning no up-front federal deduction, though employer contributions are excluded from the employee’s taxable income.Growth is tax-deferred, meaning taxes are owed upon withdrawal, not annually.Withdrawals—including the government seed, employer contributions, and all earnings—are generally taxed as ordinary income. See how traditional and Roth IRA tax treatment differ for a deeper look at why that distinction matters.No state income tax deduction is available for contributions, unlike many 529 plans.How to Open a Trump AccountConfirm your child’s eligibility: under age 18, with a Social Security number valid for employment, and no existing Trump Account.Gather required documentation, including your child’s Social Security number and your own identification.File IRS Form 4547, either with your federal tax return, through your IRS Online Account, or via the official portal at TrumpAccounts.gov.Once the IRS processes your election, activate the account through the Trump Accounts app or at TrumpAccounts.gov.Request the $1,000 pilot contribution on Form 4547 if your child was born between 2025 and 2028.Set up recurring contributions within the $5,000 annual limit.For a walkthrough from a major custodian’s perspective, see Fidelity’s guide to using Trump Accounts to save for kids.The Four Main Tax-Advantaged Savings Vehicles for Children: A Side-by-Side Comparison Wealth Enhancement Trump Account vs. 529 Plan: The Most Common ComparisonWhat Is a 529 Plan?A 529 plan is a state-sponsored education savings account. If you’re new to the concept, start with our overview of how 529 college savings plans are structured. The essentials:Tax-free growth and tax-free withdrawals for qualified education expenses—including tuition, room and board, K-12 tuition, vocational training, and student loan repayment.There’s no federal annual contribution limit; state aggregate caps apply, often between $300,000 and $550,000.Up to $35,000 (lifetime) of leftover 529 funds can be rolled into a Roth IRA for the beneficiary, subject to holding-period and other rules.For common questions, see how 529 plans work and whether one is right for your child.Key Differences: Tax Treatment529 Plan: Tax-free growth plus tax-free qualified withdrawals: the strongest tax efficiency available for education spending.Trump Account (530A): Tax-deferred growth plus ordinary income tax on withdrawals: less tax-efficient, but not tied to education spending.Key Differences: FAFSA and Financial Aid Impact529 plans are reported as a parent-owned asset on the FAFSA. The federal Student Aid Index (SAI, which replaced the Expected Family Contribution) counts at most 5.64% of parent-owned assets, so the impact on need-based aid is modest.Trump Accounts are widely expected by financial aid experts to be reported as a student-owned asset, assessed at up to 20% of the account balance, which would reduce aid eligibility far more sharply. Note that the Department of Education has not yet issued official guidance; some analysts believe the account’s IRA structure could eventually qualify it for the retirement-account exclusion. Until guidance arrives, families with children close to college age should plan around the less favorable treatment.For the mechanics, see how education savings accounts affect your child’s FAFSA eligibility and SavingForCollege.com’s Trump Account vs. 529 analysis.Key Differences: Investment Options529 plans offer broad menus: stock funds, bond funds, target-date portfolios, and actively managed options.Trump Accounts are restricted to broad-market U.S. stock index funds and ETFs with expense ratios of 0.10% or less; no bonds and no actively managed funds.What If Your Child Doesn’t Go to College?A child not going to college is a common concern with 529 plans, and it’s more manageable than many parents assume. Unused 529 funds can be transferred to a sibling’s 529, applied to vocational training, or rolled into a Roth IRA for the beneficiary (up to the $35,000 lifetime limit). A Trump Account, by contrast, simply continues under traditional IRA rules at 18 regardless of whether the child attends college, which gives it more built-in flexibility on this specific point.Can Your Child Have Both?Many financial advisors recommend having both tax-advantaged savings vehicles. A family can claim the $1,000 government seed in a Trump Account and simultaneously fund a 529 plan for education. These two tax-advantaged savings vehicles serve different purposes and are not mutually exclusive. J.P. Morgan’s analysis of 529 plans vs. Trump Accounts reaches the same conclusion: For newborns, the answer is often both.Trump Account vs. UTMA/UGMA Custodial AccountsWhat Is a UTMA or UGMA Account?Custodial investment accounts that are governed by the Uniform Transfers to Minors Act (UTMA) or Uniform Gifts to Minors Act (UGMA).Has no contribution limits, though gifts above $19,000 per person in 2026 may require gift tax reporting.Offers maximum flexibility: Funds can be used for any purpose that benefits the child—whether college, a car, travel, or a business startup.Earnings are taxed annually under the kiddie tax: In 2026, the first $1,350 of unearned income is tax-free, the next $1,350 is taxed at the child’s rate, and amounts above $2,700 are taxed at the parents’ marginal rate.At the state-defined age of majority, typically 18 to 25, the child gains full, unrestricted control of the assets.Key Differences from a Trump AccountA UTMA has no investment restrictions, versus the Trump Account’s U.S. index-fund-only rule.A UTMA has no contribution limit, versus the Trump Account’s $5,000 annual cap.A UTMA is counted as a student asset on the FAFSA, so on financial aid, the two accounts are expected to land in a similar place.UTMA funds can be accessed at any time for the child’s benefit, subject to annual tax consequences, versus the Trump Account’s hard lock until age 18.Gift Tax Considerations for UTMA ContributionsBecause UTMAs have no contribution ceiling, they are a common landing spot for larger gifts from grandparents and other relatives. Anyone planning a substantial transfer should understand that using the annual gift tax exclusion to fund accounts for your child: Staying at or below $19,000 per giver, per child, per year, keeps the gift below the federal reporting threshold.A Note on Children with Special NeedsUTMA and UGMA accounts are generally not appropriate for children who receive, or may later receive, means-tested government benefits, because assets held in the child’s name can jeopardize eligibility. Specialized tools such as ABLE accounts and special needs trusts exist for this purpose.Trump Account vs. Custodial Roth IRAWhat Is a Custodial Roth IRA?A Roth IRA that’s opened by a parent or guardian on behalf of a minor child.The child must have verified earned income, such as W-2 wages or self-employment income, which is the most important restriction.The 2026 contribution limit is the lesser of $7,500 or the child’s total earned income.Offers tax-free growth plus tax-free qualified withdrawals in retirement.Roth IRAs are generally not counted as assets on the FAFSA, the most favorable financial aid treatment among the four account types.Contributions (not earnings) can be withdrawn at any time without penalty, and earnings may qualify for penalty-free early withdrawal for a first-time home purchase or qualified education expenses.Trump Account vs. Custodial Roth IRA: The Key Trade-Off Wealth Enhancement Is a Trump Account Better Than a Roth IRA?For working teenagers, a custodial Roth IRA is generally the stronger tax-advantaged savings vehicle: decades of tax-free compounding, qualified tax-free withdrawals, and better financial aid treatment. For young children with no earned income, a Trump Account is the only IRA-style option available, so the question is less either/or than when each becomes available to your family. Advisors quoted by CNBC make the same point: Trump Accounts are not the only option when it comes to child investments.Which Tax-Advantaged Savings Vehicle Account Is Right for Your Child? A Decision FrameworkBest for College Savings: 529 Plan529 plans offer superior tax efficiency for education (tax-free growth and withdrawals). They’re the best FAFSA treatment of any account on this list except the Roth IRA, and have wide investment options. If paying for college is your primary goal, a 529 should anchor your strategy.Best for Working Teenagers: Custodial Roth IRAIf your child has earned income from a part-time job or self-employment, a custodial Roth IRA can deliver the greatest long-term tax benefit: decades of tax-free compounding with flexible withdrawal options for education or a first home.Best for Maximum Spending Flexibility: UTMA/UGMAIf you want to give your child funds usable for any purpose at the age of majority—whether college, a car, a business, or travel—a UTMA offers the fewest restrictions and no contribution ceiling.Best for Capturing the Government Seed: Trump Account (530A)If your child is under 18, and especially if you have a newborn born between 2025 and 2028, opening a Trump Account to claim the $1,000 government deposit costs you nothing and gives your child a tax-deferred investment head start that does not require earned income.Best Strategy for Many Families: Use Them TogetherFor many families, the most effective approach is layered: open a Trump Account to capture the government seed, fund a 529 for education, and open a Roth IRA when your child begins working. These tax-advantaged savings vehicles are complementary, not competing. It’s one piece of the broader work of preparing your children for long-term financial independence.Talk to an Advisor Before You DecideChoosing among these four tax-advantaged savings vehicles involves long-term tax implications, financial aid consequences, and estate planning dimensions that are easy to miss on your own, and the right answer often changes as your child grows. A fiduciary advisor can help you weigh tax-efficient investment strategies for families and build a plan around your children’s long-term financial independence, rather than around any singular tax-advantaged savings vehicle.This story was produced by Wealth Enhancement and reviewed and distributed by Stacker.
	Most Canadians want a pipeline. Nobody wants to pay for it Most Canadians want a pipeline. Nobody wants to pay for itPipelines, pipelines, pipelines. No matter how you feel about them, it’s hard to escape news of them lately.In July, the Alberta government announced it is formally proposing another pipeline to the West Coast. On the weekend, the federal government took another step towards designating the pipeline as a project in the national interest, meaning environmental assessments and other parts of the approval process could be fast-tracked.Recent polling shows the majority of Canadians — 63% according to the Angus Reid Institute in July — support that new pipeline from Alberta to British Columbia.Why? Mostly for economic reasons. A majority told pollsters they were convinced by the argument that Canada needs to diversify its oil markets away from the U.S., while half said oil is just generally important to the economy. Forty-five percent said the project would create jobs.The economic forecast, though, isn’t quite that simple. There’s still the question of who’s going to pay for it. A poll commissioned by the Pembina Institute and conducted by Probe Research in April found a majority of Albertans — 61% — say they don’t want to spend taxpayer money on a new pipeline.It’s increasingly clear: Many Canadians say they do want a new pipeline, but they don’t want to pay for it. Companies aren’t exactly lining up to build new pipelines by themselves, either. That raises a question: Why?So what are the economics of a pipeline in Canada? Do they make money? The Narwhal broke down what you need to know.Key TakeawaysAs polls suggest a majority of Canadians support building new pipelines, the Alberta government is proposing a new pipeline to the West Coast to help boost production in the oil sands.The terms of the pipeline proposal name Alberta and the Canadian government together as majority owners, suggesting taxpayers will foot much of the construction bill.Pipelines are very expensive to build. A recent analysis of the federal government’s Trans Mountain pipeline, which is already operational, showed that the pipeline’s revenues aren’t high enough to cover its construction and debt costs, making it a money-loser for taxpayers.How much do pipelines cost to build?No one is going to build a pipeline on a shoestring. These are multibillion-dollar projects, often crossing multiple provinces. Even expanding an existing pipeline, or building along an existing pipeline route, is a huge endeavor involving tens of thousands of people working on the project.Take the Trans Mountain Expansion project, as an example. That increased the capacity of an existing pipeline, built in the 1950s, from Alberta to the West Coast. That expansion project ultimately cost taxpayers 34 billion Canadian dollars — notably, that’s almost CA$30 billion more than initial estimates.The latest pipeline idea making headlines was proposed by the Alberta government, with an estimated cost pegged at between CA$35.2 billion and CA$43.7 billion. That proposal was brought forward alongside the federally owned Trans Mountain Corp., which will lead the project, and Pembina Pipeline Corp. (which is not connected to the Pembina Institute that held the poll).Under the proposed partnership, Trans Mountain and the Government of Alberta — through the Alberta Petroleum Marketing Commission — would hold a majority interest.So who would actually own it? Well … taxpayers, in a way.How much have taxpayers spent building pipelines in the past?How much taxpayers have already spent on pipelines varies. Canadian taxpayers have been on the hook for billions since the Government of Canada purchased the Trans Mountain pipeline in 2018.And maybe that’s okay. Some would argue that pipelines are infrastructure, much like highways or railways. Others disagree that billions of dollars of public money should be put toward increasing oil and gas infrastructure.Nonetheless, it continues to happen. TC Energy’s canceled Keystone XL expansion was backstopped by Alberta taxpayers to the tune of CA$1.5 billion in 2021.And it’s happening again. Alberta’s government has already contributed a little more than CA$18 million to its latest pipeline plan, saying the money went to early planning work “including preliminary engineering, cost estimates, economic modeling, early Indigenous engagement with communities and development of the proposal for federal consideration.”The Alberta government calls it a “myth” that it will pay for the entirety of the pipeline, saying, “Now that this preliminary work is done, we will work alongside Trans Mountain and Pembina Pipeline to move this project ahead.” But Pembina Pipeline currently has only a 10% stake in the project.So, in the end, it appears if the West Coast pipeline project moves ahead, it will be governments — and taxpayers — who foot much of the bill.“I am quite comfortable that this is a good investment for Canadian taxpayers,” federal Energy and Natural Resources Minister Tim Hodgson told CBC in July.How does a pipeline operator make money?Whether pipelines are owned by companies or governments (and taxpayers like you), they charge fees for companies to move their products. The fees paid to use pipelines by companies such as oil producers are called tolls or tariffs.The Canada Energy Regulator oversees pipeline tolls, saying it ensures “they are just and reasonable.”According to the regulator, tolls “cover the company’s cost of service, including a fair and reasonable return to pipeline investors.” Rates vary based on many factors: whether there’s a long-term commitment to shipping, how far, what the product is and how much of it.The Trans Mountain expansion ended up costing so much that the tolls it charges customers to move oil are higher than expected. Still, according to the International Institute for Sustainable Development, only CA$15.4 billion of the CA$34 billion cost of the pipeline is covered by the tolls it charges.Does running a pipeline actually make money?Take a look at the Trans Mountain Corp. as an example — that pipeline Canadians all own together.The company says it is now profitable. It reported its net income for 2025 was CA$556 million — up from CA$5 million the year before.It’s what Minister Hodgson described to CBC as “generating oodles of cash.”But that claim has raised some eyebrows. And untangling it is complicated.The Trans Mountain Corp. is a wholly owned entity of another company, Canada TMP Finance Ltd., which is itself a subsidiary of Canada Development Investment Corp., the entity which holds the Government of Canada’s investment in Trans Mountain. Still following?Look in the opposite direction. The Government of Canada owns a Crown corporation. That corporation has a subsidiary, which then in turn owns Trans Mountain Corp. Hopefully that helps.The debt of the expansion, and the interest on that debt, isn’t paid off. But Hodgson can claim the pipeline is profitable because of the confusing corporate structure of which Crown corporation holds its construction debt and pays the interest, and which takes in the tariffs, according to a report from the International Institute for Sustainable Development.The author of the report described Trans Mountain’s profit claims to The Tyee as a “misrepresentation of finances.”Trans Mountain Corp. did not respond to questions from The Narwhal by publication time.But a company’s balance books aren’t the only way of looking at it. Industry advocates argue pipelines generate money in other ways too, including tax and royalty revenues and making oil prices more competitive.For example, a 2024 report from a group created for Alberta credit unions argued the Trans Mountain expansion project resulted in a significant increase in access to markets for Alberta oil and that access significantly narrowed the price difference between a type of Western Canadian oil called Western Canada Select and a type sold out of Texas called West Texas Intermediate. The report estimated this had already increased revenues by about CA$10 billion in the first six months the pipeline expansion launched.There’s little doubt that producing and exporting oil and gas makes money for Canada — and especially for oil and gas companies themselves. But many have argued a fuller accounting would include the significant costs of the health risks, environmental degradation and other damage that comes from increasing carbon pollution from the burning of fossil fuels.What are the costs of carbon pollution from increasing oil production?Fossil fuel production is driving climate change, and the consequences are being felt today. Life is more expensive, cities have dirtier air from wildfires, deadly heat waves and other extreme weather events are more common, First Nations are disproportionately threatened with disasters and Canadians are more at risk of poverty, heart disease, cancer and premature death.As The Narwhal has reported, it’s possible, at least broadly speaking, to compare the economic output of fossil fuels with health costs. The federal energy regulator, for example, has reported the total value of crude oil exports from Canada was CA$138 billion in 2024. A Health Canada report that same year found the total cost of health impacts attributable to air pollution in 2018 was CA$146 billion. The cost of many foods produced in Canada is also rising as farming becomes less predictable.Estimates vary, but the short answer is climate change is expensive. A 2022 report from Queen’s University projected trillions of dollars in losses in Canada due to climate change this century, with the greatest contributor to that change being the burning of fossil fuels.Does Alberta produce enough oil to fill a new pipeline?Trans Mountain is currently “Canada’s only pipeline system transporting oil products to the West Coast.” The company says its 1,200-kilometre pipeline network has room for 890,000 barrels of petroleum products to be shipped each and every day.The new pipeline proposed by the Alberta government would be capable of transporting 1 million barrels of crude oil per day from the Edmonton area to the West Coast.If it goes ahead, that would significantly increase the network of pipelines leading from Alberta.There are already several other pipeline systems in use — leading to other locations in the U.S. and eastern Canada — and according to the Alberta Energy Regulator, all of them together could carry 5.4 million barrels per day.Currently, Alberta produces an average of more than 4 million barrels of oil per day. That suggests Alberta’s oil production stands to increase substantially if a new pipeline is going to be filled each and every day.Meanwhile, the International Energy Agency has predicted global demand for oil from combustible fossil fuels may peak as early as 2027 — raising questions about the long-term outlook for expanded oil sands production.With files from Drew Anderson and Carl Meyer.This story was produced by The Narwhal and reviewed and distributed by Stacker.
	Shea Doyle named new president, CEO of Modern Woodmen of America Modern Woodmen has a new president and CEO. Shea Doyle was named by the board of directors of Modern Woodmen of America to be the organization's next president and chief executive officer, effective June 1, 2027. The appointment comes after a comprehensive succession-planning and executive-selection process over the past year. President and CEO Jerald J. [...]
	A chance of severe weather this evening Before we head into what is looking to be a very nice weekend in the Quad Cities, we are watching for some storms later today. The futurecast is showing these storms developing later in the afternoon and into the evening with potentially strong storms. Depending on where these storms start to develop, there is the [...]
	Aspirin vs. ibuprofen: Which should you take for a headache, fever, or muscle pain? Aspirin vs. ibuprofen: Which should you take for a headache, fever, or muscle pain?When you're standing in the pharmacy aisle faced with rows of pain relievers, the choice between aspirin and ibuprofen can feel overwhelming. Both are trusted medications that have been helping people manage pain for decades, but they work differently in your body and are better suited for different situations.Understanding the key differences between these two common over-the-counter medications can help you make informed decisions about your pain management. Whether you're dealing with a headache, muscle strain, or chronic condition, knowing when to reach for aspirin versus ibuprofen can make a real difference in your comfort and recovery. Doctronic provides this guide to help you determine which pain reliever is most appropriate for your specific symptoms and health profile.Key takeawaysAspirin works better for heart protection and blood clot prevention.Ibuprofen provides superior anti-inflammatory effects for muscle and joint pain.Children under 18 should avoid aspirin due to Reye's syndrome risk.Both medications can cause stomach irritation when used long-term.What Are Aspirin and Ibuprofen?Aspirin and ibuprofen belong to different classes of pain-relieving medications, though both work by reducing inflammation in your body. Aspirin is a salicylate that irreversibly blocks cyclooxygenase (COX) enzymes, preventing your body from producing prostaglandins that cause pain and inflammation. This blocking effect lasts seven to 10 days, which is why aspirin has long-lasting effects on blood clotting.Ibuprofen, on the other hand, is a nonsteroidal anti-inflammatory drug (NSAID) that temporarily blocks both COX-1 and COX-2 enzymes. Unlike aspirin's permanent effect, ibuprofen's blocking action is reversible and wears off as your body metabolizes the medication, typically within four to six hours.Both medications reduce prostaglandin production, which decreases pain, inflammation, and fever. However, aspirin has unique antiplatelet effects that make it valuable for cardiovascular protection. This blood-thinning property is something ibuprofen lacks, making aspirin the preferred choice for heart health maintenance. Understanding these fundamental differences helps explain why doctors recommend specific medications for certain conditions.When to Choose Aspirin vs. IbuprofenThe choice between aspirin and ibuprofen often depends on your specific symptoms and health goals. Choose aspirin when you need cardiovascular protection, as low-dose aspirin therapy can reduce heart attack and stroke risk in high-risk individuals. It's also effective for headaches, particularly those that may be vascular in origin, and for general pain relief when you don't have stomach sensitivity.Select ibuprofen for acute muscle strains, sprains, and joint inflammation where you need targeted anti-inflammatory action. Ibuprofen excels at reducing swelling and is often the better choice for sports injuries, dental pain, and menstrual cramps. However, be aware of the ibuprofen interactions that could affect your treatment plan.For fever reduction in adults, both medications are effective, though ibuprofen may provide slightly better temperature control. Parents should note that children under 18 should never take aspirin due to the risk of developing aspirin-exacerbated respiratory disease (AERD) and Reye's syndrome, a potentially fatal condition.How These Medications Work in Your BodyThe way aspirin and ibuprofen function in your system reveals why each medication has distinct advantages. Aspirin creates permanent changes in blood platelets that last for the entire lifespan of those cells, typically seven to 10 days. This explains why doctors often recommend stopping aspirin a week before surgery to reduce bleeding risk.Ibuprofen's effects are temporary and reversible, wearing off within four to six hours as your liver processes and eliminates the drug. This shorter duration means you need to take ibuprofen more frequently than aspirin for ongoing pain management, but it also means side effects resolve more quickly if they occur.Both medications reduce fever by acting on your hypothalamus, the brain region that controls body temperature. However, ibuprofen tends to target localized inflammation more effectively than aspirin, making it particularly useful for conditions like arthritis or muscle injuries where reducing swelling is important for healing and comfort.The key difference lies in aspirin's irreversible enzyme blocking versus ibuprofen's reversible action. This fundamental distinction affects everything from dosing schedules to long-term safety considerations.Benefits and Effectiveness ComparisonWhen comparing therapeutic benefits, each medication has clear advantages in different scenarios. Aspirin's cardiovascular benefits are well-established, with studies showing it reduces heart attack risk by 20%-25% in high-risk patients. This protective effect comes from aspirin's ability to prevent blood clots that could block coronary arteries.For anti-inflammatory conditions like arthritis, ibuprofen typically provides 30% better inflammation reduction compared to aspirin. This makes ibuprofen the preferred choice for conditions where swelling contributes significantly to pain and disability. The proper ibuprofen dosage varies based on your specific condition and body weight. Doctronic Low-dose aspirin (81mg daily) provides cardiovascular protection with minimal bleeding risk for most people. In contrast, ibuprofen offers superior fever reduction and is generally more effective for dental pain and menstrual discomfort.Safety Profiles and Side EffectsUnderstanding the safety differences between aspirin and ibuprofen is essential for making informed choices about pain management. Aspirin increases bleeding risk because of its antiplatelet effects, which is why doctors recommend stopping aspirin seven to 10 days before planned surgery. This blood-thinning property can also increase the risk of gastrointestinal bleeding, especially with long-term use.Ibuprofen can worsen kidney function, particularly in people who are dehydrated, elderly, or have pre-existing kidney disease. It can also raise blood pressure and may interfere with certain heart medications. If you experience stomach pain from taking ibuprofen, you should consult with a healthcare provider about alternative options.Both medications increase stomach ulcer risk with long-term use, as they reduce the protective mucus lining of your digestive tract. Taking either medication with food can help reduce stomach irritation. The effects of ibuprofen can range from mild stomach upset to more serious cardiovascular and kidney complications.Aspirin is absolutely contraindicated in children under 18 due to Reye's syndrome risk, a potentially fatal condition affecting the liver and brain. Pregnant women should also avoid both medications, especially in the third trimester.Frequently Asked QuestionsIs aspirin or ibuprofen better for reducing inflammation?Ibuprofen is generally more effective for reducing inflammation, providing approximately 30% better anti-inflammatory effects than aspirin. This makes ibuprofen the preferred choice for conditions like muscle strains, joint pain, and other inflammatory conditions where reducing swelling is important for healing and comfort.Can I take aspirin and ibuprofen together safely?It's generally not recommended to take aspirin and ibuprofen together, as ibuprofen can interfere with aspirin's cardioprotective effects. Additionally, combining these medications increases your risk of stomach irritation and bleeding. Always consult with a healthcare provider before combining any pain medications.Which is safer for long-term use, aspirin or ibuprofen?For cardiovascular protection, low-dose aspirin (81mg) is often considered safer for long-term use under medical supervision. However, both medications carry risks with extended use, including stomach ulcers and bleeding. Regular monitoring by a healthcare provider is essential for anyone taking either medication long-term.Should I choose aspirin or ibuprofen for heart health?Aspirin is the clear choice for heart health due to its unique antiplatelet effects that help prevent blood clots. Low-dose aspirin therapy can significantly reduce the risk of heart attack and stroke in high-risk individuals. Ibuprofen lacks these cardiovascular protective properties and may actually increase heart attack risk with long-term use.How do I know if aspirin or ibuprofen is right for my condition?The best choice depends on your specific symptoms, medical history, and health goals. Consider aspirin for cardiovascular protection and headaches, and ibuprofen for muscle pain and inflammation. However, individual factors like age, other medications, and health conditions should guide your decision, ideally with input from your healthcare provider.The Bottom LineBoth aspirin and ibuprofen are effective pain relievers with distinct advantages depending on your needs. Aspirin excels at cardiovascular protection and headache relief, while ibuprofen provides superior anti-inflammatory benefits for muscle and joint pain. Your choice should consider your specific symptoms, medical history, age, and any other medications you're taking. Children should never receive aspirin, and both medications require caution with long-term use due to potential side effects. The decision between these medications isn't just about immediate pain relief but also about your overall health profile and risk factors.This story was produced by Doctronic and reviewed and distributed by Stacker.
	Back-to-school items college students may regret not buying before move-in day Back-to-school items college students may regret not buying before move-in dayFew moments carry a rush of emotions quite like heading off to college, and move-in day often brings more pressure than the packing list suggests. For dorm life, families usually buy the visible items first, with clothes and school supplies filling carts before the daily comfort items make the list.Even with extensive preparation, sleep rarely gets the same attention as the items students can see, wear, or carry to class. And as Sleepyhead has observed around dorm living, the bed often becomes one of the first parts of the room students want to change after they spend a few nights on campus.So while the checklist may look finished on move-in day, the first week often reveals comfort issues families wish they had addressed sooner.Why Move-In Season Puts Pressure on These ChoicesThe pressure of move-in season comes down to how many choices arrive at once, and nearly all of them run against a tight clock.Millions of young adults leave home for student housing every fall, according to Statista, and each arrival means a room outfitted from scratch. But getting that room ready is already a major expense, with the National Retail Federation putting dorm furnishings at a roughly $14 billion market nationwide.Yet even after that spending begins, an earlier NRF survey found that 45% of shoppers with purchases left to make still did not know what would be needed. Still, many of those missing items only become clear once the student is using the room every day, which is why move-in choices are so hard to get right the first time.Why Dorm Shopping Is Harder Than It LooksDorm rooms are designed for efficient housing, not long-term comfort, so students have to fit daily life into less space than many expect. And campus housing guides show how limited that setup can be, with Berkeley Housing noting that many rooms include Twin XL single beds or bunk beds along with basic furniture assigned to each student.The same housing guidance also tells students they will usually live with at least one roommate, which turns every choice into a shared-space decision.So with the layout and bed size already decided, families have to prepare around parts of the room they cannot easily change. And those limits often show up first at night, when the student has to sleep on the bed assigned by the school.The Sleep Upgrade Students Wish They Had PackedEven with sleepmaxxing now part of wellness culture, more than 70% of college students say they get less than eight hours of sleep a day, according to an NIH report cited by the University of South Florida. And Lawrence Epstein of Harvard Medical School has explained what that costs, telling the American Academy of Sleep Medicine that adequate sleep is "essential to feeling awake and alert."Two weeks of six hours or less, he adds, leaves students performing about as poorly as someone awake for two straight days. A later MIT study published in npj Science of Learning gave that warning a full-semester view, with researchers finding that better and more regular sleep accounted for nearly a quarter of the variance in student grades.So with alertness and grades tied to quality sleep, the dorm bed becomes the first place to improve. Sleep Foundation notes that a super infused topper improves how a dorm bed performs without replacing the mattress underneath. And that first change does the most work on a school-issued mattress, where a better surface adds comfort while cooling foam reduces the heat that builds overnight.After the bed is handled, the room itself becomes the next problem to manage, especially when warm air or bright campus lighting keeps rest from coming easily. So adding a small fan can keep air moving through the room, while blackout curtains help protect the dark where housing rules allow them.And when a roommate keeps a different schedule, white noise from a small machine or a phone often makes the room easier to sleep in.Small Dorm Accessories That Make a Big DifferenceNever underestimate the power of small but practical dorm accessories to solve the problems that surface once a room fills up. Electricity tends to be the first one students misjudge, and campus fire officials treat it as more than a formality.Georgia Tech reports that more than 3,500 fires break out on college campuses every year, advising students to buy power strips with an over-current protector that cuts off automatically when too much current runs through. Extension cords are prohibited across its residence halls, and other schools ban them outright.But outlets are not the only thing two people end up sharing, since most rooms come with a single overhead light that one roommate has to switch on while the other is trying to sleep. So a clip-on lamp attached to the bed frame or desk solves that, giving each student light without lighting the whole room.Dorm storage runs into the same limits, with two people splitting a floor barely wide enough for the furniture already there. Certified professional organizer Mackenzie Scott told Consumer Reports that students should use all the vertical space available, starting with under-bed bins and over-the-door organizers that hold what the closet cannot.A crowded room also needs air moving through it, and the American Lung Association warns that older dorm buildings do that poorly, turning small spaces packed with students into breeding grounds for mold and other pollutants. And air quality that poor affects concentration and leaves students tired, which puts a HEPA purifier alongside everything else worth having before the semester starts.Limited Space, Better Comfort: Rethinking Dorm EssentialsIt is not uncommon for students to bring things they never use while forgetting the ones they did not know they needed. And university housing offices see both patterns every move-in season.Housing guidance from UT Austin says residence hall rooms already come with a desk, desk chair, trash can, and other basics, while also asking students to check with roommates before duplicating large items.Cornell goes further, telling incoming residents to leave extra furniture behind since space is limited and rooms already include what students need. Still, smaller comforts get skipped along the way, with laundry hampers and cozy blankets often proving more useful than another chair. But the bed draws the most regret.Stanford sleep researcher Clete Kushida told the American Academy of Sleep Medicine that sleep loss is linked to learning and memory problems, along with reduced attention, putting what a student sleeps on ahead of any furniture worth upgrading later.Conclusion: A Better Start Begins With Better PreparationPreparation is everything, especially during a transition as big as moving into a college dorm. And good preparation starts by narrowing the list to items that match how the room will be used every day.Asha Dornfest, author of Parent Hacks, estimates parents can safely skip about 70% of typical dorm-list items, leaving more room for purchases that support sleep and schoolwork. Parents can help by checking school rules and confirming the bed size first. And roommate coordination should follow before any large item is bought.After those basics are settled, the items most likely to be used every day deserve priority, especially the ones tied to a comfortable sleep environment. A mattress topper can be one of the most practical upgrades, giving students a more comfortable sleep surface without requiring them to replace the school-issued mattress. The goal is to send students into the first week with fewer unused purchases and more of what they will actually rely on each night.This story was produced by Sleepyhead and reviewed and distributed by Stacker.
	Survey: Credit isn't a backup plan. For millions of Americans, it's how they buy groceries. Survey: Credit isn't a backup plan. For millions of Americans, it's how they buy groceries.Sixty-six percent of Americans carrying at least $10,000 in unsecured debt used a credit card to buy groceries in the last year, more than any other essential expense, according to a new survey. Credit cards were once reserved for expensive purchases or for added security in buying online. For households managing debt, they have become a way to cover everyday purchases like groceries.Accredited Debt Relief, a company specializing in debt relief, commissioned Atomik Research in May 2026 to survey 2,000 U.S. adults with at least $10,000 in unsecured debt. Along with groceries, 47% say they've used credit for gas or transportation, 45% for utilities and 33% for rent or housing costs. Accredited Debt Relief For people struggling with cost-of-living pressures, using unsecured debt can begin as a quick solution to cover household needs for the moment. At first, it's just milk and eggs. But then an unexpected expense happens: a flat tire, an unusually high electricity bill, a medical cost that was not in the budget. The balance adds up and, according to the survey data, this also creates stress for consumers. Accredited Debt Relief This isn't discretionary spending. The data reflects a growing reliance on consumer debt to cover basic cost-of-living needs. However, relying on borrowed money without an executable plan for repaying it could mean that one day, the runway for taking care of such expenses runs out.A significant share of respondents report relying on credit as a routine part of managing their personal finances. This routine could become a long-term debt cycle for many households. Nearly three in ten say that they rely on credit or borrowing to get through a typical month. This reliance appears to be growing, with a third saying they depend on credit more than they did a year ago. For those consumers, what may have once been a stopgap has become an increasingly common and ongoing financial strategy.The growing debt cycle by unsecured borrowing is taking an emotional toll on these consumers, too. A quarter of respondents are concerned about their financial future and 12% feel a stronger concern that they're at risk of long-term financial instability.A lack of savings makes the cycle harder to break. Only 28% of respondents say they can both cover expenses and save. When there is little room between income and expenses, every disruption becomes harder to absorb.Unexpected expenses, such as medical bills or car repairs, lead 19% of respondents to take on additional debt every time, and 27% most of the time. These are the kinds of costs households are often told to prepare for, but preparation requires room. For many consumers, that room does not exist.Debt builds over time when credit becomes part of monthly operations. Some of these consumers say they don't earn enough to make meaningful changes to their current financial situation. Among those surveyed, 45% report that their income is enough to get by but not get ahead. Many report that their financial situation has caused them to put off taking a vacation or begin building savings. Accredited Debt Relief When asked about the biggest barrier to reducing debt, 29% of respondents listed the same obstacle: the cost of everyday expenses. That number connects how debt builds with why it persists.When everyday expenses become part of ongoing credit card debt, the balance can grow without notice. Even when a consumer gets their next paycheck, if it's already accounted for, they may not be able to make much progress in paying down their debts. A few recurring costs, spread across months, can become a greater financial weight. The result is debt that builds, because it's tied to the basic cost of living. It also can create a stressful way to live; more than three in ten people say their current debt situation has affected their mental well-being.Without meaningful changes, whether through increased income, debt relief or other financial support, these households may continue to rely on consumer debt and unsecured credit as a daily necessity rather than a strategic financial tool or occasional supplement. The risk is that life's most basic needs become harder to maintain in the long run.MethodologyAccredited Debt Relief commissioned Atomik Research to conduct an online survey of 2,000 U.S. adults with at least $10,000 in unsecured debt. The margin of error is plus or minus 2 percentage points at a 95 percent confidence level. Fieldwork was conducted between May 11-14, 2026. Atomik Research, part of 4media group, is a creative market research agency.This story was produced by Accredited Debt Relief and reviewed and distributed by Stacker.
	Dual-income households: Could you afford your mortgage on a single salary? Dual-income households: Could you afford your mortgage on a single salary?A change in circumstances—a divorce, the death of a spouse, a job loss, a growing family—can turn a two-income household into a one-income household overnight. For homeowners, that shift raises a difficult question: Can the house be maintained on a single paycheck? The answer depends on far more than the monthly mortgage payment, Hometap reports.Housing affordability is often measured against the mortgage alone, but that figure captures only part of what a home costs to own. Property taxes, insurance, utilities, maintenance, and unplanned repairs together can add hundreds or thousands of dollars to monthly obligations—expenses that may be manageable across two incomes but strain a single one.Evaluating the full cost of ownershipIndustry guidance commonly suggests homeowners budget between 1% and 4% of a home's value each year for maintenance and repairs alone. For a $400,000 home, that translates to roughly $4,000 to $16,000 annually, or about $333 to $1,333 per month, on top of principal and interest.Beyond maintenance, recurring costs include:Property taxes, which vary widely by jurisdiction and tend to rise over time. Homeowners insurance, which costs an average of $2,490 a year, or about $208 a month, though like property taxes, can vary widely by state.HOA fees. If your home is part of a homeowners association, these mandatory monthly or annual fees can range from under $100 to over $500 per month.Utilities—Electricity, gas, water, sewer, trash, and internet services can easily total $300-600 per month or more, depending on your home's size and location.Evaluating affordability on one incomeA standard benchmark holds that housing costs should stay below roughly 28% of gross monthly income—the front-end ratio widely used in mortgage lending.Financial planners often suggest single-income households aim below that threshold to build in margin.A realistic assessment also accounts for other obligations—car payments, student loans, credit card balances, and healthcare—and whether enough income remains afterward for savings. A frequently cited emergency-savings target is three to six months of expenses.Future variables matter too: whether income is likely to rise or fall, and whether major repairs are foreseeable. And while a home carries emotional weight that numbers can't capture, planners generally advise that the decision to keep it still rests on whether the math works.Building a single-income budgetHouseholds committed to staying put typically start by establishing baseline housing costs, then tracking every expense for at least a month to capture full spending patterns. Expenses can then be sorted into essential categories—housing, food, transportation, healthcare, insurance—and discretionary ones such as dining out and subscriptions.Common cost-reduction strategies include refinancing to lower a monthly payment, eliminating unused subscriptions, and improving energy efficiency. Even modest, consistent contributions to an emergency fund can cushion against unexpected repairs.When a home isn't sustainableSometimes the analysis shows that keeping the home on one income isn't feasible. Financial counselors generally recommend confronting that conclusion early rather than risking missed payments or foreclosure. Options include:Refinancing, which can lower monthly payments if rates have fallen, though extending the loan term can increase total interest paid.Taking in a roommate to offset costs, subject to mortgage terms and local regulations.Accessing home equity. Homeowners with substantial equity may be able to tap it through various financing products, some of which provide funds without adding a monthly payment.Downsizing to a smaller, more affordable property, which can provide long-term financial relief.The right path depends on individual circumstances, goals, and priorities.This story was produced by Hometap and reviewed and distributed by Stacker.
	Scattered storms may move through the Quad-Cities Friday The National Weather Service said scattered storms may form in the Quad-Cities area Friday from 2-8 p.m.
	Why Some Wedding Guests Are RSVPing No (BPT) - Key takeawaysA recent Accredited Debt Relief survey found that eight in 10 people with at least $10k in unsecured debt— like credit cards, personal loans, medical debts and certain student loans skipped at least one event or activity in the last year, including weddings.The cost is as emotional as it is financial. According to the survey, 68% of respondents feel anxiety when receiving an invitation.A BBB-accredited debt consolidation program can help you take back control of your finances and allow you to say yes to important celebrations.If you're considering skipping a loved one's wedding, you're not alone. Weddings can be expensive for guests, too, not just the happy couple.Leading up to the big day, there's a laundry list of expenses: buying an outfit, paying for travel and a hotel room, purchasing a gift and arranging childcare. Given the cost of attending, it should come as no surprise that some Americans are skipping a loved one's wedding due to already struggling financially.Why RSVPs are not a simple yes or noDebt reshapes social life, relationships and everyday decisions. For Americans carrying serious unsecured debt, attending social events is no longer a simple yes-or-no decision. Every invitation comes with a quiet financial calculation. Many are navigating a third RSVP option they rarely say out loud: I want to be there, but I cannot afford what saying yes will cost me.To better understand how debt impacts a person's life, Accredited Debt Relief and Drive Research conducted a survey of 2,000 U.S. adults with at least $10k in unsecured debt. The survey found that nearly eight in 10 respondents skipped at least one event or activity in the past year because of debt, including:A weddingA group trip or vacationDinner, concert or night outBirthday or anniversary celebrationHoliday celebration with familyMilestone party (shower or graduation) Debt reshapes social life, relationships and everyday decisions. For Americans carrying serious unsecured debt, attending social events is no longer a simple yes-or-no decision.Saying no to an important event like a sibling's wedding, a niece's graduation or a lifelong friend's birthday can be incredibly painful and take an emotional toll. According to the survey, 68% of respondents feel anxiety when receiving an invitation because they worry about the cost, and 57% worry that their debt makes them seem like a bad friend, partner or family member.The stigma and privacy concerns surrounding debt may also make it harder to explain why an invitation is declined. In fact, 58% have made up a nonfinancial excuse to skip events they couldn't afford to protect their privacy rather than admit they are struggling. Not only are these Americans carrying debt, but they're also carrying the emotional weight of guilt and embarrassment.How you can move forward with the right supportYou don't have to keep missing major life celebrations because of debt. One way you can break the cycle and regain control of your finances is through debt consolidation.When you sign up for a BBB-accredited debt consolidation program like one through Accredited Debt Relief, you can replace high minimum payments across multiple accounts with one, lower monthly payment. With more room in your monthly budget, you can start building a financial life that lets you say yes to joyous occasions with friends and family more often.Every situation is different, and the right option depends on your unique financial situation. To get a free debt evaluation that won't affect your credit score and see what options are available to you, visit AccreditedDebtRelief.com/Free-Quote.
	Ocean freight market enters holding pattern ahead of September Ocean freight market enters holding pattern ahead of SeptemberSo far, mid-August has demonstrated that Washington is continuing to solidify a centralized trade architecture by extending national security protections to high-tech sectors, issuing a Presidential Proclamation under Section 232 imposing 15% to 100% tariffs on foreign drones and components.Simultaneously, a landmark federal decision by the U.S. Court of International Trade upheld the administration's suspension of the $800 de minimis exemption, permanently altering cross-border ecommerce by subjecting low-value parcels to formal customs entries.As macro-economic data revealed that the U.S. weighted-average statutory tariff rate settled at 11.0%, North American trade faced heightened friction, prompting Canadian and U.S. officials to hold emergency weekend negotiations in Washington to head off a pending 50% Section 338 tariff deadline on Canadian goods.Below, Freight Right examines the implications of these recent events for ocean, air and freight markets going into September.This Week’s Ocean, Air and Freight MarketsChina-U.S. Ocean Freight Market:CEA to USWC: Market rates are hovering around $7,000 to $7,500 per forty-foot equivalent unit (FEU). However, promotional rates are available, bringing actual usable market levels down to roughly $5,700-$6,300 per container. Overall, rates for the West Coast remain stable to slightly softer due to these discounted options.CEA to USEC: Market rates sit firmly between $9,800 and $11,000 per FEU. Unlike the West Coast, virtually no promotional or discounted rates are accessible for East Coast, Gulf Coast, or inland destinations, forcing shippers to book at near-full market price.Freight Right’s Lowest Rate indicators show that importers can find the latest spot ocean rates as low as $5,200 from China to the U.S. West Coast and $6,850 from China to the U.S. East Coast. Talk to your freight forwarder about options available to you. Freight Right Freight Right Freight Right What Happened This Past WeekCarrier Capacity Management: Ocean carriers are aggressively managing capacity by pulling approximately 20% of capacity from the market through blank sailings. This strict supply control prevents spot rates from dropping significantly.Bundled Volume Promotional Rates: Discounted West Coast rates ($5,700-$6,000) come with carrier contingencies. Shippers must commit to volume bundles (e.g., 1:1 or 2:1 ratios), where booking multiple containers at full market rates unlocks a single discounted slot, driving down the average per-unit cost.Tariff Absorption and Market Fatigue: The recent 2.5% tariff increase introduced three weeks ago has caused minimal demand disruption. Shippers have largely absorbed the minor cost differential, leading to a stabilization period rather than panic-booking or severe pullbacks.Early Peak Season Elongation: Ocean carriers are intentionally maintaining high rate floors to stretch out profitability during an early peak season that began in June and is expected to run through October.Looking AheadThe market is currently in a brief late-August lull, but rate floors are expected to remain solid. Carrier capacity cuts should successfully prevent a major rate collapse, ensuring spot rates stay near elevated levels through the end of the month.Heading into September, minor downward adjustments of a few hundred dollars may occur if overall volumes drop slightly, but no drastic rate cuts are anticipated. Carriers will continue using blank sailings as a lever to preserve high rate baselines.China-U.S. Air Freight Market:CEA to USWC: Rates eased toward the end of last week after a short-lived increase early in the week. Typhoon Dolphin disrupted flight schedules and temporarily tightened available capacity, pushing rates higher as cargo backlogs accumulated. Once schedules normalized and the backlog cleared, softer underlying demand allowed pricing to retreat.Current week quotes into LAX and SFO generally sit around $5.00-$6.30/kg for standard-density cargo, depending on origin, carrier, routing, and shipment configuration.CEA to USEC: Rates followed a similar pattern. Temporary capacity disruption from Typhoon Dolphin created upward pressure early last week, but rates softened later as delayed cargo moved through the network and demand moderated.Pricing in JFK is generally around $6.25-$7.65/kg for standard-density cargo, with carrier and routing choices accounting for much of the spread. Overall, the market has moved back toward more stable conditions following last week's weather-driven volatility.What Happened This Past WeekTyphoon created temporary capacity pressure: Flight schedule disruptions at the beginning of last week reduced available uplift and caused cargo to accumulate, briefly pushing air freight rates higher.The increase was operational rather than demand-driven: Last week's rate spike appears to have been primarily caused by temporary flight disruptions rather than a fundamental increase in cargo volumes. That distinction is important because rates normalized quickly once capacity returned.Carrier capacity is currently better aligned with demand: With flight schedules stabilizing and no significant backlog remaining, available capacity appears sufficient for current shipment volumes, limiting the likelihood of another immediate rate increase.Looking AheadAir freight rates from China to the U.S. are expected to remain relatively stable this week as the market has absorbed the disruption caused by Typhoon Dolphin, and backlogs have been cleared. Softer demand should limit carriers’ ability to push through meaningful rate increases, keeping both West and East Coast pricing within a narrow range. Barring new weather events or capacity disruptions, any upward pressure would need to come from sustained demand growth rather than short-term operational issues.This story was produced by Freight Right and reviewed and distributed by Stacker.
	More evidence soon to be published of LDS Church founder Joseph Smith's polygamy More evidence soon to be published of LDS Church founder Joseph Smith's polygamyUntil the late 20th century, most members of The Church of Jesus Christ of Latter-day Saints did not realize that founder Joseph Smith had practiced polygamy himself.After all, the Utah-based faith had kept pretty quiet about Smith’s involvement in the controversial practice — despite debating with its Missouri cousins in the then-Reorganized Church of Jesus Christ of Latter Day Saints (now the Community of Christ), who argued for Smith’s monogamy.But as critics and outside historians began to publish more and more information about Smith’s reportedly 30-plus wives, the Utah church acknowledged in an official essay that “Joseph Smith married multiple wives,” the youngest of whom was 14.Historians — inside the Community of Christ and the larger Utah church — believed the case was settled.Or so it seemed.Now there is a new generation of so-called polygamy deniers, many of them Latter-day Saints, claiming there is “no evidence” — or at least scant documentation — of Smith’s marriages to multiple women beyond wife Emma Hale Smith.The Salt Lake Tribune spoke with LDS experts and historians about the evidence supporting the belief that church founder Joseph Smith practiced polygamy. The Church of Jesus Christ of Latter-day Saints Though they base it on their reading of history, their reasons may be more modern.“For these followers, polygamy denialism justifies suspicion of the LDS Church as an organization,” Latter-day Saint historian Matthew Bowman wrote in a Salt Lake Tribune guest column about this movement, “...an impulse quite powerful in American culture right now — a generalized suspicion of institutions.”These days, the polygamy controversy is centered on one particular person: William Clayton and the diaries he kept as a secretary and scribe to Joseph Smith during pivotal years in Nauvoo, Illinois, before the Mormon prophet was killed.And, though the most controversial passages have been public for decades, a copy of Clayton’s record was surreptitiously obtained and circulated widely — ahead of the church’s own annotated publication of the full diaries due out next year from Yale University Press. Church History Library The faithful scribeAs Smith’s confidant and clerk, Clayton, a professional record keeper, had an insider’s view and left behind what many believe to be an unparalleled description of life in Nauvoo.He also recorded sensitive details of Smith’s plural marriages, including tensions with Emma, and Clayton’s own experience marrying plural wives.Of particular note is Clayton’s account from July 12, 1843, of Smith dictating what became Doctrine and Covenants Section 132, Latter-day Saint scripture that outlines the theological justifications for “plural marriage,” as it was known, among biblical figures and the need for it to be restored. The scribe also recorded accounts of Smith marrying women even before that episode.“It seems clear that Joseph Smith has had these concepts in his mind before this date,” Matthew Grow, managing director of the Church History Department, said in a forthcoming “Mormon Land” podcast. “There’s clear evidence that Joseph Smith and others have begun to practice plural marriage before it’s written down on paper.”Smith first introduced the practice of plural marriage to a small coterie of colleagues, Grow said, and kept it largely secret from the majority of members.“Everyone [at the time] wanted this to be kept from public view,” Grow said. “It was born in a moment of great concern that if this practice were revealed, that it would lead to opposition, lead to persecution against the church.”Clayton doesn’t record anything specific about whether these marriages included physical intimacy, Matthew McBride, director of publications for the Church History Department, said in the same podcast, but later statements by some of the wives “used 19th-century euphemisms” to describe their involvement with Smith.The church leader’s public statements often contradicted what was happening behind closed doors, Grow said, “and so people are just kind of wondering: OK, does it make more sense that Joseph Smith was trying to protect himself, his family, his followers from the potential fallout and consequences of this becoming public, or is there some conspiracy involved in the creation of all of these other records?”Some have opted to believe the latter.Creating a narrativeIn a Journal of Mormon Polygamy article, “Crafting a Sacred Story: Joseph F. Smith and the William Clayton Affidavits,” Cheryl Bruno and Michelle Stone argue Clayton’s diary entries and an 1871 letter to an inquiring observer “lacked the cohesiveness needed to serve as a robust defense of [Joseph’s] polygamy.” The Church of Jesus Christ of Latter-day Saints They write that apostle Joseph F. Smith, the church founder’s nephew and eventual church president, pictured above, “recognized the potential within these fragments, seizing upon them to craft a narrative that would fulfill the institutional needs of the church.” The Salt Lake Tribune Some skeptics have suggested that crucial evidence of Joseph Smith’s polygamy was the result of dishonest church leaders, including Brigham Young, pictured above.”The messiness and opaqueness of the Clayton documents, however, do not mean they “were liars,” said historian Todd Compton, who wrote two seminal works on Smith’s polygamy: “In Sacred Loneliness: The Plural Wives of Joseph Smith,” and a companion volume about the supporting documents.“The Clayton journals are great,” Compton told The Tribune. “You are naive if you want evidence to be absolutely perfect.”The historian built his conclusions about Smith and the women not only from Clayton’s contemporaneous chronicle and the women’s affidavits in the 1860s but also from memoirs of those who wrote about their relations with Smith.“Retrospective evidence can be more emotional and human, but together with the sworn statements,” he said, “they built a strong case for Joseph’s polygamy.”Going publicIn the late 1970s, the church gave several historians unlimited access to Clayton’s journals, with the understanding that they would not share them. And they didn’t.But others inadvertently found the transcripts the historians had made, and then anti-Mormon writers published the most scandalous parts, especially about Smith and the wives besides Emma.Yes, the historical evidence for Smith’s polygamy may have settled the historical debate with the Community of Christ, but it was also deeply unsettling to Latter-day Saints.The church kept a lid on the Clayton diaries partly because of the discomfort about the faith’s former practice of polygamy in general, said Grow. “Plural marriage is just a really challenging topic, and we can’t pretend otherwise. It can be very emotional … and very difficult for people to to think about, to imagine, to confront.”That could help explain why this backlash against the historical record has arisen.The deniers sit “at the intersection of three trends in the 20th century church, historian Matthew Bowman said in an interview. They are:“A firm defense of monogamy, including in the last 30 years a romanticized version of Joseph and Emma’s relationship in books and movies.“An emphasis on the charisma and authority of ‘the prophet,’ and in particular Joseph Smith.“The institutional discomfort and obscuring of the evidence for polygamy, and especially Joseph Smith’s.”Thus, “the denials find it difficult to square a prophet as charismatic and authoritative as they believe Joseph Smith to be with a practice they find repellant,” Bowman said, “and the church’s uneven history with being forthright about the sources has opened the door to suspicion and conspiracy belief.”Today’s Latter-day Saints “have grown up in a monogamous world,” said Grow, “so it’s hard to to think about our spiritual ancestors, who confronted a very different time.”Grow and McBride hope readers will soon have a chance with the forthcoming publication to discover Clayton’s richer, multilayered story about early Mormonism — including day-to-day life in Nauvoo and efforts to finish the temple before abandoning it for the trek West — not just its pages about secret polygamy.This story was produced by The Salt Lake Tribune and reviewed and distributed by Stacker.
	Quad Cities community reacts to Trudy Appleby's disappearance 30 years later Trudy Appleby disappeared from her Moline home in 1996. Police have a suspect in custody, and the case will appear in court for a pretrial conference on Oct. 20.
	‘The End of Oak Street’ is full of Spielbergian charm but is far from dino-mite The End of Oak Street is an admirable attempt to revive the dinosaur blockbuster outside the confines of the Jurassic Park and Jurassic World franchise. However, an underdeveloped plot and a painfully wooden performance from Ewan McGregor prevent the movie from fully capturing that old Spielbergian magic.
	Resignations, hirings, athletic assignments, and other Moline School District personnel news from Aug. 10 See the personnel items from the Aug. 10 agenda of the Moline-Coal Valley School District. The board met at the Moline Education Center.
	North Scott School District resignations, hirings and other personnel news for Aug. 21 The following personnel items are from the Aug. 17 agenda of the North Scott School District. The school board met at Junior High.
	Top Iran official says US focus on economic warfare shows it has failed militarily The Iranian regime has dismissed President Trump's threats to crush the country economically, saying that years of U.S. sanctions have failed.
	Family This is Roald Tweet on Rock Island.Before you bemoan once more the decline of the American family from those good old days pictured in The Reader's…
	What to know about this weekend's IndyCar race on the National Mall Why is the car race in this part of D.C.? Will it be streaming? Who's paying for it? Here's what to know before the Freedom 250 Grand Prix hits the National Mall this weekend.
	Federal government thins the herds of wild horses in Colorado U.S. officials say the ever-growing population of wild horses that roam federal lands in Colorado is depleting natural resources. But some activists say efforts to remove the horses are inhumane.
	Charter plane crash kills 8 near remote radar site in western Alaska, military says A charter aircraft carrying eight people crashed at a remote radar site in western Alaska on Thursday, killing all on board, the U.S. military said.
	'Survival mode': Indiana residents endure a ninth day without power Tens of thousands of people in Indiana are entering a second week without power after a deadly storm toppled trees and power lines. Schools remain closed and businesses have been unable to reopen.
	Federal agents seize devices from ex-Rep. Eric Swalwell in sexual misconduct probe, AP source says Federal agents seized electronic devices from former Rep. Eric Swalwell and searched his Washington home as part of an investigation into allegations of sexual misconduct by the ex-Democratic congressman from California.
	Jurors hear 'Keffe D' say his nephew fired fatal shots at Tupac Shakur in 1996 drive-by shooting Jurors on Thursday heard Duane "Keffe D" Davis tell detectives in 2008 that his nephew Orlando "Baby Lane" Anderson fired the shots that killed Tupac Shakur.
Thursday, August 20th, 2026
	Toys for Tots’ Operation Turn the Page Unlocks Futures Through Books (NewsUSA) - Across the Nation, millions of children are preparing to head back to school—filled with excitement, opportunity, and promise. But for far too many children, the year begins with a challenge: limited access to the books and educational resources that are essential to academic success.That is the reality the Marine Toys for Tots Literacy Program is working to change through Operation Turn the Page—a nationwide back-to-school initiative built on a simple but powerful belief: Give a Book, Unlock a Future. The Toys for Tots Literacy Program has provided more than 63 million books and educational resources to underserved children since 2008, helping children strengthen literacy skills, stay engaged in learning, and discover the joy of reading.Yet, the need to support literacy initiatives remains significant across the Nation, where low-income communities may have a single age-appropriate book available for every 300 children. Without access to books, many students struggle to develop the literacy skills needed for academic success, and summer learning loss can make the transition back to school even more difficult. That’s why Operation Turn the Page focuses on helping children in need stay connected to learning throughout the summer and return to the classroom ready to thrive.“A single book may seem like a small gift, but for a child impacted by summer learning loss, it can open the door to possibilities they never knew existed,” says Lieutenant General Jim Laster, U.S. Marines (Retired), President and CEO of the Marine Toys for Tots Foundation. “When children living in low-income communities have access to books throughout the summer, they return to school more confident, engaged, and prepared to learn. When you give a book, you unlock a future.”Operation Turn the Page’s impact begins long before the first school bell rings and is measured not only in books distributed, but in the moments that books create. Disadvantaged children across the country receive the resources they need to keep reading, learning, and growing as they prepare for a successful return to the classroom long before the first school bell rings.“For many of our students, receiving these books means more than just reading—it’s the beginning of their first home library and a lifelong love of learning,” said a Freedom Trail Elementary teacher after a book distribution event.At United Elementary, more than 400 books found their new homes with students, creating excitement that extended beyond the classroom. “With over 400 new books in the hands of our students, we’re seeing excitement, pride, and a growing love of reading both in school and at home,” staff shared.At Entheos Academy, “One student’s face lit up with pure wonder when she found a book about baseball—proof that the right book can spark a lifelong love of reading,” a teacher exclaimed.These stories illustrate Operation Turn the Page’s mission: ensuring access to books for disadvantaged children over the summer so they can enter the classroom with confidence and a stronger foundation for success.As children prepare to return to school, supporters have the power to help write the next chapter of their success story. A single book can inspire a love of reading, strengthen literacy skills, and help a child start the school year ready to learn. By supporting Operation Turn the Page, donors are doing more than giving a book—they are helping disadvantaged children turn the page on summer learning loss and toward academic success and a brighter future.Because when supporters Give a Book, they Unlock a Future.To learn more or donate, visit: https://www.toysfortots.org/programs/

Saturday, August 22nd, 2026

Friday, August 21st, 2026

Thursday, August 20th, 2026