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

Tuesday, October 13th, 2026
	DNA and vehicle-tracking help French investigators recover stolen Renoirs DNA left on a protective painting cover helped investigators recover two stolen Renoirs and uncover what they suspected were preparations for another art heist, a French prosecutor said Monday.
	RJ Mitte, 'Breaking Bad' actor and disability rights champion, dies at 34 Actor and disability rights advocate RJ Mitte, who brought a lifetime of experience with cerebral palsy to fictional family struggles in an essential role on "Breaking Bad," died Monday at age 34.
Monday, October 12th, 2026
	Illinois Red Cross chapters looking for more volunteers Recruiting volunteers has been more difficult since the pandemic, but the Quad Cities chapter leader says it's rewarding work.
	Rock Island city and county combining law enforcement tactical teams The units handle high-risk situations like drug search warrants, hostage-barricaded subjects and active shooters.
	Semi truck driver suffers minor injuries in rural Stockton rollover crash Investigators believe the truck was headed west on Route 20 when it exited the roadway while trying to navigate a curve.
	Lights, Camera, Snackers: How Aspiring Filmmakers Can Enter to Win $25,000 Lights, Camera, Snackers: How Aspiring Filmmakers Can Enter to Win $25,000 (Feature Impact) The director’s chair is open and the opportunity to create the next great snack-sized movie could be yours. For the second year, Bumble Bee is bringing back its Tuna “Cans”Film Festival, giving aspiring filmmakers and creators the chance to turn a script written by comedian and actress, Grace Reiter, into an original short film starring its deliciously convenient tuna Snackers. Watch the video to learn more! “I love a chance to support those starting out in the film industry – and this time, I’m partnering with Bumble Bee for the Tuna Cans Film Festival to do it,” Reiter said. “Plus, I’m making it easy: I already wrote the script.” Using Reiter’s scripted lines, creators can make the story entirely their own, bringing their vision to life through original characters, settings, music, editing and creative flair. The creative brief is simple: The finished film must be 60 seconds or less and Bumble Bee Snackers™ need to get their moment in the spotlight. Plus, the stakes are bigger than ever: The winning filmmaker will take home a $25,000 grand prize to help make their filmmaking dreams a reality. Creators can submit their original short film by Oct. 23, 2026, at 11:59 p.m. PT. The film can be funny, dramatic, unexpected or all three. The lines are already written but the order, arrangement and any additions are open to creative interpretation. Now it's time to see what you can do with it. Visit tunacansfilmfest.com, where you can find Reiter’s original script, submission instructions and complete contest details, to get started.
	Miller-Meeks makes two stops in Bettendorf as part of national business tour Congresswoman Mariannette Miller-Meeks, R-Iowa, made two stops in Bettendorf on Monday as part of a national business tour. Your Local Election Headquarters is tracking the campaigns nearly three weeks out from Election Day. The Iowa Republican joined the U. S. Chamber of Commerce’s Free Enterprise Express Opportunity Tour. The first stop was Small Town Pastry, [...]
	Iowa voters can cast early ballots soon: Scott County auditor discusses process Early voting is already underway in Illinois, and Iowa voters can join in starting Wednesday. Scott County Auditor Kerri Tompkins says starting then, voters can cast their ballots at the county auditor's office or at one of 14 satellite locations. Some important deadlines are coming up next week. “If you would like to vote from [...]
	Illinois Red Cross chapters looking for more volunteers after busy summer Recruiting volunteers has been more difficult since the pandemic, but the Quad Cities chapter leader says it's rewarding work.
	Iowa sees 3rd consecutive year of above-average precipitation The state's climatologist says this won't erase Iowa's years of drought. Plus, the increased rainfall has not been evenly spread in area or timing.
	United Way of Whiteside County gets grant to provide food for local children United Way of Whiteside County is getting a $10,000 grant to help provide food for local children. The money will support its “Let’s Feed Our Children” summer meal program. This summer, the program provided nearly $50,000 grab-and-go meals to children through 17 distribution sites across Whiteside Count. Kids don’t need to register. They can just [...]
	Rock Island voters can meet candidates at NAACP forum Voters in Rock Island will have a chance to hear directly from candidates ahead of the November election. The NAACP will host a voter forum from 5:30-8:30 p.m. Tuesday at the Martin Luther King Jr. Center in Rock Island. Races include the 17th Congressional District, Illinois Senate District 36, and Illinois House Districts 71 and [...]
	Rock Island police and sheriff to formally combine tactical teams City leaders approved an agreement to formally combine the two agency’s tactical teams during a meeting Monday evening.
	Muscatine mayor works with IDOT to minimize disruption from bridge closure Muscatine’s mayor is working with the Iowa DOT to minimize disruptions from a planned closure of the Interstate 80 Bridge next year. The Norbert F. Beckey Bridge over the Mississippi River will close form four to six weeks in 2027. In a letter to the community, Mayor Brad Bark says the crossing is a vital [...]
	Fire severely damages longtime restaurant in Princeton Crews responded to the Big Apple on Main Street around 7:45 p.m. Saturday in Princeton, Illinois. Firefighters found flames in the dining area that caused heavy damage. Heat and smoke also damaged the rest of the restaurant. The fire marshal determined that the fire started with an electrical issue. A GoFundMe has been set up [...]
	After 18 holes, North Scott in fourth place at state golf North Scott’s boys’ golf team put itself in position to compete for two state titles after Monday’s state golf tournament opening round at Davenport Country Club. Bunched-up team and individual leaderboards set the stage for anyone to claim state golf glory on Tuesday. On the team side, five schools are within nine shots of the lead. Top-ranked Dallas Center-Grimes held steady with a 294. The Mustangs hold a four-shot advantage over second-place Cedar Rapids Prairie. Dubuque Wahlert shot an even 300 to stick in third place, while North Scott remains a threat in fourth place with a 301. Waukee Northwest is fifth with a 303, while home course advantage has not proven helpful for Pleasant Valley. The Spartans are in sixth place after a 306 round. North Scott is led by junior Andrew Vollbeer, who ended his day with a 1-over 72. He is in a four-way tie for fourth place. Vollbeer was tied for the lead at 1-under with one hole to go, but a double bogey on 18 dropped him down into a chasing position. The Mississippi Athletic Conference and district tournament champion opened 1-under through six holes, but made the turn at 1-over. He got to 2-over through 12 holes, but Vollbeer birdied three of his next four holes to get back under par and into contention. Senior Jaxon Adkisson, seeking a consecutive medal at state, is in a massive tie for ninth place at 3-over 74. Adkisson was 1-under through six holes, but three consecutive bogeys halted his progress at the turn. Adkisson steadied the ship with eight pars on the back nine with just one bogey to settle his scorecard. Sophomore Michael Phillips was North Scott’s third-best scorer at state last season. He is in that position again after one day with a 6-over 77 and in a tie for 27th place. Phillips played the front nine 1-over, but played the back nine at 5-over without finding a birdie. Junior Luke Leverenz scored for North Scott with a 7-over 78, while junior Max McClintock (9-over 80) and freshman James Vollbeer (12-over 83) will look to help the team finish strong. Cal Martineau of Wahlert Catholic clings to first place as the only golfer to go under par on Monday. He shot a 1-under 70 made up of four birdies and three bogeys. Henry Sobaski of Cedar Rapids Prairie and Avery Van Zelderen of Dallas Center-Grimes are tied for second at even par. The North Scott Press will have complete coverage of the state golf tournament in its Oct. 21 edition.
	2 men accused of selling fake phones to West Burlington Walmart kiosk Police officials said 89 transactions earned the suspects just shy of $6,800.
	Record high temperature set Monday in Quad Cities We did it! We hit 88° for the first time ever on October 12th in the Quad Cities. This breaks the old record of 87° from the 1940s. Tuesday looks warm too, but not quite as hot. We'll be in the low to mid 80s Tuesday.
	USDA Rural Development invests nearly $13M into Iowa communities USDA announced investments of more than $12.9 million in Iowa cooperatives to help support their pass-through and revolving loan funds.
	Davenport, Muscatine were first cities in Iowa to recognized Indigenous Peoples' Day The Quad Cities Area has historically been a home for members of the Sauk and Meskwaki nations.
	Debate preview: Josh Turek focusing on health care, tariffs, economy Nexstar Media's Senate debate is scheduled for October 13; here's what Josh Turek is running on.
	Injured man taken from Rock Island scene after reports of gunfire An injured man was removed from the scene after gunfire was reported about 5 p.m. Monday in Rock Island. Police put up crime scene tape at the Corner View convenience store and gas station at the intersection of 7th Avenue and 24th Street. A crowd in the area watched as officers and emergency vehicles gathered. [...]
	Two Burlington men accused of selling cardboard phones to Walmart kiosk The alleged scheme resulted in about 80 fraudulent transactions between April 12 and May 12, according to the West Burlington Police Department.
	Study: EICC generates $710 million in regional economic impact According to the study, 1 in every 22 jobs in our area is supported by EICC, its students and alumni. Today, many of those jobs are in healthcare.
	Diesel relief becomes key issue for Iowa voters ahead of midterms New study shows agriculture’s economic reach extends beyond the state’s farmers.
	Woman arrested after driving vehicle into pedestrians behind Davenport bar A Davenport woman is in custody after driving her vehicle into a group of pedestrians over the weekend.
	Community rallies around Big Apple Family Restaurant after fire Firefighters responded around 7:45 p.m. for a medium size fire at Big Apple Family Restaurant.
	Debate preview: Ashley Hinson focuses on health care, fuel prices, cancer research The 2026 Midterm Elections have several highly watched contests in Iowa, including the Senate seat currently held by Joni Ernst. Ashley Hinson won favor in the Republican primary in June with 74% of the vote. In anticipation of Nexstar Media's Senate debate scheduled for Oct. 13, here's how Hinson plans to address top concerns among [...]
	Davenport to begin phasing in two-way travel on 4th Street Once work is complete, 4th Street will fully switch to two-way traffic between Harrison and East River Drive.
	Another truck loses its roof to Davenport’s infamous Brady Street bridge Brady Street bridge claims another semi truck in downtown Davenport, shearing off trailer roof and scattering debris across three traffic lanes.
	Heavy police presence at Corner View gas station in Rock Island A heavy police presence is currently on scene at the Corner View gas station in Rock Island.
	Man arrested in California waives extradition back to Iowa The man who was arrested last week in California on warrants from a kidnapping and shooting in Davenport waived extradition back to Iowa on Monday.
	New White House press secretary a 'devoted fan' of Trump and MAGA Katie Zacharia worked for one of Trump's companies and raised her profile appearing on conservative-leaning talk shows. She also amplified right-wing conspiracy theories. Now she'll be the president's chief spokesperson.
	Government spent $10 million on pro-Trump ads after president said super PAC would fund Nearly $22 million in taxpayers funds has been spent to air the ads, with nearly half spent after Trump promised to fund what the White House calls public service announcements through his super PAC.
	Fire leaves major damage to Princeton's Big Apple Family Restaurant Fire officials have determined the fire was caused by electrical issues in the dining room.
	Complaint filed against Iowa senator alleging he lives in Illinois. Senator says it's not true. An ethics complaint alleges Iowa Sen. Scott Webster lives across the state line in Illinois. Webster denies the claim, calling it a political stunt.
	Former prison inmate sues state and counselor over alleged sexual exploitation A former Iowa prison inmate is suing the state’s Department of Corrections over her alleged sexual exploitation by a prison counselor.
	Iowa reports water surplus for third year in a row The last 12 months were the 20th wettest year in Iowa's history, with just over 38 inches of precipitation.
	Here are the semifinalists and commended for the 72nd annual National Merit Scholarship Over 1.2 million entered the 2027 National Merit Scholarship Program.
	Moline police sound alarm on scam targeting elderly, California man arrested Police posted on social media that scammers are pretending to be from the government and telling victims to act to avoid further problems.
	Davenport woman allegedly withdraws over $28k under 7 bank accounts including 6 deceased members Amanda Tincher of Davenport faces five felony charges. The IH Mississippi Valley Credit Union employee is accused of making multiple suspicious transactions.
	New study finds Eastern Iowa Community Colleges generate more than $700 million for local economies That value, generated across Cedar, Clinton, Jackson, Louisa, Muscatine and Scott Counties, makes up approximately 3.3% of the region's total GDP.
	Rep. Mariannette Miller-Meeks visits Quad Cities businesses alongside U.S. Chamber of Commerce The congresswoman's stops included Small Town Pastry and Silverthorne Homebuilders.
	Davenport woman allegedly withdraws over $28k under 7 bank accounts including 6 dead members Amanda Tincher of Davenport faces five felony charges. The IH Mississippi Valley Credit Union employee is accused of making multiple suspicious transactions.
	Muscatine auctioning off historic trolley The 1985 trolley was once a gift to the city. Now, it will need extensive repairs.
	Governor Reynolds orders flags half-staff for firefighter who died on duty Charles Jones died on October 8 from a medical emergency he suffered while responding to a fire the previous day. He was 52 years old.
	Quad Cities Growing Families helps those navigating infertility treatment A new organization provides financial assistance to those in the QCA navigating infertility treatment. Brittany Zirkle and Megan Bausman joined Our Quad Cities News to talk about Quad Cities Growing Families. For more information, click here.
	Iowa State’s Bill Fennelly to retire at end of season Bill Fennelly, the winningest coach in Iowa State athletics history, announced Monday that he will retire at the conclusion of the 2026-27 season.
	Lee County man arrested, pleads guilty to drug delivery charges A Lee County man has been arrested after a July investigation by the Lee County Narcotics Task Force.
	“STRONG Minds” weekly programming series focusing on youth mental health to begin this week in Davenport Davenport Parks and Recreation is launching a weekly program with AmeriCorps called “STRONG Minds” to build relationship and communication skills for kids aged 12 to 15. The first session will occur on Tuesday, Oct. 13.
	Profiles in Faith: Rock Island's Word of Life Church derives diverse congregation from across the Quad Cities Monday means another weekend of religious services across the Quad Cities … has come and gone. This week, WVIK’s Joseph Leahy joined worshipers at Word of Life Church on 7th Avenue in Rock Island and has this profile in faith.
	Enjoy beer in Clinton, support Midwest Pets for Life Enjoy craft beer while raising funds for pet care in Clinton. Purina’s Raise a Pint for Pets event will be at 7 Hills South, 238 4th Avenue S. in Clinton on Oct. 17 from 1 – 4 p.m. The event will have raffles, giveaways and local beer and $1 per pint will be donated to [...]
	REVIEW: I Love You, You're Perfect, Now Change at The Black Box Theatre in Moline I Love You, You’re Perfect, Now Change continues at The Black Box Theatre, 1623 – 5th Avenue in Moline, October 16,17, 22, 23, and 24 at 7:30 p.m. and Sunday October 18 at 2:00 p.m.
	Coralville chef wins best-in-state award The Iowa Restaurant Association has named Chef Cory Barrett of Barrett's in Coralville as its 2026 Chef of the Year.
	SIU researchers use emerging technology to find best method for measuring deer population density Researchers at Southern Illinois University are cooperating across departments to find the best method for determining the density of deer populations.
	University of Northern Iowa fundraising campaign ends with more than $340 million The University of Northern Iowa’s fundraising campaign garnered a record amount of donations that put it more than $90 million ahead of its original goal.
	Quad City Animal Welfare Center brings Mobile Vet Van to Rock Island Public Library Quad City Animal Welfare Center (QCAWC) is bringing its Mobile Vet Van to the Rock Island Public Library's Downtown Library, 401 19th Street, on Oct. 21 from 2 – 4 p.m. Dog and cat parents can access low-cost vaccinations and preventive care products at the Vet Van. The Mobile Vet Van is part of QCAWC's [...]
	Roger Craig to attend stadium dedication on Thursday Roger Craig will be in attendance on Thursday for the dedication of the Davenport football stadium in his name.
	Meet the candidates running for Iowa House District 98 Incumbent Democrat Monica Kurth is not seeking another term. Democrat Andrew Fitzgerald, an automation technician, and Republican Nathan Ramker, a small business owner, are vying for the open House District 98 seat.
	QC Pride in Memory creates online Story Map, progresses in documentary Augustana College professor Chris Strunk has created an interactive digital Story Map to document key moments and places of LGTBQ+ history in the QC, gathered by Quad Cities Pride in Memory.
	United Way of Whiteside County receives $10,000 grant The grant will support the growing need of 'Let's Feed our Children,' a summer meal program, which provided nearly 50,000 meals to local kids this past summer.
	Fire temporarily closes Big Apple Family Restaurant, Princeton A Princeton restaurant that has been open for decades is temporarily closed after a fire in the dining room over the weekend. A post on the Princeton Fire Department’s Facebook page said firefighters were called to the Big Apple Family Restaurant, 2136 N. Main Street, for a report of a structure fire on Oct. 10 [...]
	Election complaint: Iowa Sen. Scott Webster lives in Illinois Iowa law requires state senators to have lived in Iowa for at least one year and in their district for at least 60 days before an election.
	The scams targeting you most, by age group Ahead of Cybersecurity Awareness Month this October, there’s no better time to focus on your risk of falling victim to a scam.In 2025, the Federal Trade Commission logged a record $15.9 billion in fraud losses from 3 million fraud reports. When thinking about a scam, you might picture an older adult getting tricked out of their retirement fund, but the harsh truth is that anyone can fall victim to a hoax.It is true that older victims lose more per incident, as FTC data shows, but younger adults actually file reports for loss due to fraud more frequently. Age isn’t a predictor of whether you’ll get scammed, but the kind of scam you might face often depends on your age. Spokeo has put together a list of the different kinds of scams that are most prevalent today, leveraging fraud data from the FTC’s Consumer Sentinel Network and its general data banks.What the matrix measuresNo two scams are exactly the same. The matrix below breaks down the most common scams faced by each age group, calculated based on the FTC Consumer Sentinel Network 2024 fraud reports: Spokeo The data used to calculate the percentages is the share of fraud reports per category where the person claimed they actually lost money. It can be treated like a proxy for the success of a scam. Younger age groups report losing money at a remarkably higher rate than their older counterparts. For instance, adults aged 20-29 lost money in 79% of cases involving online shopping scams and 83% of investment-related scams.Those rates decline with age. People aged 60-69 lost money in only 70% and 76% of the same cases, and those even older, aged 70-79, lost money in only 64% and 72% of cases.This trend flips when the type of scam specifically targets older adults, such as lottery or government impersonation tactics.Additionally, as people age, the midpoint dollar amount reported lost rises sharply. Based on the FTC’s 2024-2025 Protecting Older Consumers data, those 80 and older reported a median loss above $1,600, the highest of any age group and well above what the average young adult loses in a single incident. Younger people may get defrauded more often, but older victims usually lose the most per scam.The impact of severe cases of fraudThe data showing younger adults being scammed more but older adults losing more is a year-over-year trend. Total fraud losses reported by older adults (ages 60 and over) increased about fourfold from 2020 to 2024, skyrocketing from about $600 million in 2020 to $2.4 billion in 2024.To be fair, a small share of severe cases of fraud skews the picture further. The earlier FTC report outlines how losses of $100,000 or more, while rare, account for the majority of the dollars older adults lost across the grand total.Scam profiles by cohortThe efficacy of scams by age group may depend on the type of scam itself. Digital-based scams are likely to have the most success against younger individuals, whereas more traditional scams fare better against older adults. The type of scam often comes back to how the scammers first made contact.For people under 30, social media is the first point of contact for many scammers, while adults over 30 tend to be targeted via a website or apps. For adults over 80, the No. 1 method of contact is a phone call.Around the age of 60, the primary contact method of scammers seems to change. Phone calls climb steadily in their share of first contact, while social media falls.For every age group, online shopping is the top scam, followed by business and government impostors. Older adults tend to be more targeted for hoaxes related to prizes, sweepstakes and lotteries.What readers should doTo protect yourself, you need to know what to watch for. That means knowing the specific type of scam you’re most likely to be targeted by and how they intend to reach you.If you’re young, investment pitches and marketplace deals arising from social media should raise your suspicion. If you’re middle-aged, it might be a business or job opportunity that seems too good to be true. Those on the older side might want to pause if there are any unusual tech support claims or government contact in their life. Regardless of age, the FTC’s Consumer Sentinel Network and the FBI’s IC3 both remain good places to check whether a certain scam tactic is prevalent before responding to a cold contact.This story was produced by Spokeo and reviewed and distributed by Stacker.
	Federal agents search Rep. Ilhan Omar's DC home, DOJ says it approved the warrant The Justice Department says the search is part of an "ongoing federal investigation", while Omar calls it "an attempt to target political enemies"
	Football season fuels Iowa’s sports betting activity DES MOINES, Iowa — Iowa bettors wagered $290.2 million on sports in September, while licensed casinos and sports wagering operators generated nearly $27.9 million in state taxes, according to the Iowa Racing and Gaming Commission. Sports wagering revenue reached $23.75 million, up 4.58% from September 2025, even as the total amount wagered remained virtually unchanged. [...]
	United Way of Whiteside County receives $10K grant for summer meal program The grant will support Let’s Feed Our Children, which provided nearly 50,000 grab-and-go meals through 17 distribution sites this past summer.
	Partial facade collapse at Muscatine Masonic Temple closes downtown alley A partial facade collapse at the Muscatine Masonic Temple on Thursday evening leaves Muscatine’s downtown Number Three Alley shut down until a structural engineer deems it safe to reopen.
	Three things to know: Oct. 12, 2026 Moline fall leaf vacuuming begins, public hearing for Madison Elementary School roof and an update on your forecast.
	The overlooked financial obligations after divorce Divorce is an emotionally charged experience that impacts over 670,000 American couples every year. It's also a costly process. An uncontested DIY divorce costs between $500 and $1,500 in filing and service fees.When lawyers get involved, the divorce process alone can cost $50,000 or more. While not every couple will pay as much, the real financial costs only become apparent once legal proceedings are complete.That's because it's easy to overlook financial obligations that seem insignificant when dividing assets and/or determining child custody. As Alleviate Tax, which specializes in tax relief services, explains below, things like shared tax obligations, changes in tax status, and other critical financial aspects have long-term impacts on life and should not be ignored.Financial Obligations to Keep in MindThrough divorce, a unified economic unit (the couple) transforms into two separate households. As a result, life often becomes more expensive since former spouses can no longer share household expenses, pool savings, or take advantage of certain tax benefits.The financial consequences are not always immediately apparent, but they can create unexpected liabilities. For that reason, it's wise to involve professional financial and tax advice in the divorce process to identify potential liabilities early and provide guidance on managing them.Here are a few examples of some of the most common financial obligations that couples overlook or underestimate when divorce talks start.Tax Status ChangeOne of the biggest financial consequences of divorce is a change in tax status. Taxpayers go from Married Filing Jointly to Single or Head of Household, which can affect their tax brackets, deductions, and eligibility for certain tax benefits.In a divorce, this change in status becomes clear when deciding to sell the marital home. If the home has $450,000 in equity appreciation, a married couple pays $0 in capital gains tax upon selling. That's because they qualify for a $500,000 capital gains tax exclusion when filing as a family unit.But an ex-spouse who keeps the home and sells it later only qualifies for a $250,000 exclusion as a single taxpayer. In this case, they will owe capital gains tax on the $200,000 that exceeds their exclusion limit.Tax Debt Follows Both SpousesUnder federal tax law, both spouses remain 100% on the hook for back taxes, penalties, and interest from any joint return filed while married. If a court orders one ex-spouse to pay past joint tax debt, but that person fails to do so, the IRS will pursue the other ex-spouse for the full balance.Couples who are still legally married or filed jointly during a separation are both liable if one of the spouses owes past-due individual debts (such as back child support from a prior relationship, defaulted federal student loans, or prior individual tax debts).If the IRS filed a Notice of Federal Tax Lien against a spouse during marriage, that lien attaches to marital property. In a divorce settlement, that federal tax lien may remain attached to the property's title until the tax debt is resolved.Retirement Account TransfersMany divorcees don't know that a poorly handled divorce settlement can affect retirement funds. The most common example comes from the division of employer retirement plans, like a 401(k), 403(b), or traditional pensions.Unless a prenup states otherwise, retirement contributions made between the wedding day and the date of separation/divorce are legally considered marital property across all 50 states. This means retirement funds are treated as financial assets.What matters here is how these assets are divided. If a spouse withdraws money from a 401(k) to pay an ex-spouse as part of a divorce settlement, the IRS generally treats the withdrawal as taxable income. A QDRO, or qualified domestic relations order, allows qualifying retirement assets to be transferred to an ex-spouse without triggering the same immediate tax consequences.While IRAs do not require a QDRO, they do require a strict "trustee-to-trustee direct transfer" specified in the divorce decree to remain tax-free.Options for a Fresh StartUntangling merged lives and finances impacts both individuals after a divorce, but there are ways to keep long-term financial obligations to a minimum. First, expert financial advice is essential, particularly when the stakes are high. Both soon-to-be ex-spouses should consult tax and personal finance professionals and develop strategies for financial planning and debt management that safeguard their future interests.Such experts know that the language written into the separation agreement or divorce decree is essential, so they will insist on a comprehensive tax and debt indemnification clause. This clause could stipulate clearly defined debt management strategies in case one spouse fails to pay a debt assigned to them (including back taxes). It may also include firm deadlines to deal with co-owned debt, since mortgages and auto loans can remain in both spouses' names even after divorce. Protections Against an Ex-Spouse's Tax ProblemsThe first step in protecting yourself from an ex-spouse's financial and tax problems is knowing what liabilities exist. Identifying potential debts early gives both spouses an opportunity to plan ahead and avoid unpleasant surprises.During divorce proceedings, both spouses should require complete, sworn financial disclosures covering all liabilities, including pending IRS audits, unpaid taxes, and undisclosed personal loans. This can be particularly important when one spouse has individual debts that could affect a joint tax refund.If one spouse is not legally responsible for the debt, they may be able to recover their share of the refund by filing Form 8379, Injured Spouse Allocation, with the joint return or afterward. The IRS uses the form to determine each spouse's share of the overpayment and refund the eligible portion to the injured spouse.Aiming for a Divorce Free of Financial ObligationsThe first thing that comes to mind when talking about divorce (especially a contested one) is the division of assets. Each spouse fights for what they consider their fair share of the house, accumulated wealth, properties, etc.Yet, few couples consider the tax and legal restructuring that accompanies a legal separation. The change in tax status, the back taxes, and the impact on shared retirement accounts are often ignored without proper expert advice. But they don't go away.This is why preparedness is always the best course of action. Access to up-to-date legal and financial information keeps future ex-spouses aware and ready to act in their best interest.This story was produced by Alleviate Tax and reviewed and distributed by Stacker.
	The hidden challenge of co-ownership: What happens when owners have disagreements? Co-ownership of property is not a novel concept, and it is becoming more common among younger generations facing an uphill struggle to get onto the property ladder in the first place, according to a 2024 Bankrate survey cited by NPR. This is likely due in large part to house prices regularly setting records and incomes failing to keep up. It is also a situation that people face as a result of an inheritance.The issue with co-ownership is that most people are unprepared for the repercussions of disagreements that might arise in this context. If there’s a fundamental divergence of opinion about what to do with a property when multiple owners have a say, the fallout can be significant, both in terms of interpersonal relationships and finances.Understanding co-ownership conflicts and available remedies prevents financial and interpersonal damage. Underwood Law, a California partition action law firm, shares what you need to know about potential challenges of co-ownership, because the catalysts driving people to consider this option look unlikely to ease any time soon.More People are Buying Homes TogetherData cited in the NPR report shows 15% of people who made a home purchase did so in partnership with a friend or family member.If disagreements arise, it’s not just a case of married couples having a difference of opinion. More than likely, multiple points of view will be brought to the table, making it much harder to find a resolution that satisfies all parties.Despite this, co-ownership remains an attractive prospect. Federal Housing Finance Agency data shows property prices rising nationally, up 2.1% year on year. This marks the latest unbroken quarter of increases since 2012, with only four states seeing a decline in prices.With mortgage rates averaging 6.66% on a 30-year fixed deal, the incentive to buy a home with others is compounded by monthly repayments and the potential for further pressure on household finances from economic uncertainty. The possible challenges of co-ownership may be seen as an acceptable drawback, given the upsides to sharing a property with others. It just requires knowing what’s at stake. Underwood Law Disagreements and SolutionsWhen discussions between property owners stall, a personal conflict necessarily enters the legal sphere. Many co-owners find that the impasse stems from fundamentally different life goals or financial capacities. One owner might want to sell to liquidate their equity for a life change, while another wants to hold onto the asset for long-term appreciation, or simply because they’re happy where they are and have no plan to relocate.When verbal negotiations collapse, owners generally choose among a few distinct pathways. They may commit to a voluntary buyout agreement, where one party finances the purchase of the other's equity stake. Structured mediation sessions guided by a neutral third-party real estate professional may also be necessary to reach a resolution that satisfies everyone. If these options fail, formal legal intervention through judicial property proceedings is the last resort for breaking an impasse.Understanding partition actions and property-division rights is essential when co-owners reach an absolute deadlock. Weighing these choices requires a clear understanding of a person’s legal rights and obligations.A partition action forces the resolution by asking a judge to step in and divide the interest in the real estate. In most cases involving residential homes, physical division of the structure is impossible, so the court orders a partition by sale.The property is listed, sold on the open market or via auction, and the proceeds are distributed among the owners after legal fees and liens are satisfied. While this outcome guarantees an exit strategy, it rarely maximizes financial returns for any party involved. Legal costs and forced-sale conditions often erode the total equity built up over years of ownership.A Better Co-Ownership StrategyThe best time to resolve a co-ownership dispute is before the property is even purchased. Drafting a legal co-ownership contract or operating agreement up front sets clear expectations for every scenario imaginable.These agreements should explicitly outline how decisions are made, how ongoing maintenance expenses are split, and how an exit strategy is triggered if one person wants out. Establishing a clear buy-sell formula based on independent appraisals prevents emotional arguments over fair market value down the line.Preparing for a Future of Increased Co-OwnershipCo-ownership of property in the U.S. will likely continue to be an attractive option for buyers in the current economic climate. However, financial collaboration requires structural guardrails to prevent manageable disagreements from turning into devastating asset losses.Understanding the legal remedies available allows property owners to approach tough decisions with clarity rather than emotion. Most importantly, putting the means of dispute resolution in place before a purchase goes through protects everyone equally, rather than necessitating mediation and last-resort partition actions.This story was produced by Underwood Law and reviewed and distributed by Stacker.
	Quad City Rollers end 2026 season at Bout of the Deck-ade Mixer! The Quad City Rollers encourage fans to celebrate the end of the 2026 season at the Bout of the Deck-ade Mixer! The decades-themed roller derby double-header will be at the QCCA Event Center, 2621 4th Avenue in Rock Island on Saturday, Oct. 17 and feature skaters of all experience levels, including several making their roller [...]
	QC Veterans Outreach Center celebrates 10 years The QC Veterans Outreach Center celebrated its 10 year anniversary Saturday.
	Warren County reports its first West Nile Virus case in 2026 Warren County Health Department reported its first human case of West Nile Virus this year.
	What is apolipoprotein B? The cholesterol test many people don’t know about You probably know that high levels of low-density lipoprotein (LDL), or the “bad” cholesterol, can raise your risk for heart attack and stroke. But you may not have heard about apolipoprotein B (ApoB). The usual numbers in your cholesterol test (lipid profile) may leave out this important measure of your risk for heart disease. Scientists and lipid specialists have known about the harms of high ApoB for years, but it’s getting more attention now. For people who are at risk for heart disease, it may be an important number to know.In this article, GoodRx, a platform for medication savings, looks into ApoB, what causes its high levels, what you need to lower ApoB levels, and how to test for it. Key takeaways:Apolipoprotein B (ApoB) is a protein that’s found on the surface of certain cholesterol and fat-carrying particles. High ApoB puts you at higher risk for heart attack and stroke, even if your low-density lipoprotein (LDL) or “bad” cholesterol is in a normal range. A healthy lifestyle, nutritious diet, and cholesterol-lowering medications can all help to lower your ApoB level. What is apolipoprotein B?Apolipoprotein B (ApoB) is a protein found on the surface of certain particles in your blood. You can think of these particles as tiny packages that carry cholesterol and fat. This is an important process that helps deliver energy to your muscles and other organs. But problems can happen when there are too many ApoB-containing particles in the blood. ApoB is found on particles that can cause plaque to build up in your arteries. LDL cholesterol — the “bad” type of cholesterol — is one of these particles. Over time, plaque (atherosclerosis) can narrow your arteries and create blockages. These blockages are what cause heart attacks and strokes.What do high apolipoprotein B levels mean?A high ApoB level means there are a lot of harmful cholesterol-carrying particles in your blood. In general, having more particles means you are at greater risk for heart attack and stroke.A target (or “good”) ApoB level depends on your risk for heart disease. In general, many experts aim for:ApoB below 100 mg/dL for people at moderate risk ApoB below 80 mg/dL for people at high risk ApoB below 65 mg/dL for people at very high risk A high ApoB level means something a little different from the usual measurement of LDL cholesterol. Your LDL cholesterol number tells you how much cholesterol is being carried inside the LDL particles. But it doesn’t tell you exactly how many particles are carrying that cholesterol. ApoB helps answer that question. It gives a better estimate of the total number of plaque-forming particles circulating in your blood. What causes high apolipoprotein B levels?Here are the main reasons that people have high ApoB levels:Genetics Insulin resistance, which is often linked to prediabetes, Type 2 diabetes, and metabolic syndrome High triglycerides A diet high in refined carbohydrates, added sugars, excess calories, and saturated fat Lack of regular exercise Having obesity Hypothyroidism (low levels of thyroid hormone) Kidney disease Steroids, including anabolic steroids Smoking There are a few medications — including certain older beta blockers, some thiazide diuretics, and some older HIV medicines — that may affect ApoB levels in some individuals. If you’re taking one of these and your ApoB is high, check with your healthcare professional to see if there might be an alternative. How do you lower apolipoprotein B?Many of the same steps that lower LDL cholesterol can also lower ApoB. These include:Following a heart-healthy Mediterranean way of eating Limiting food high in saturated fats like butter, coconut oil, and fatty meats Doing regular exercise Maintaining a healthy body weight Limiting alcohol The medications that lower LDL cholesterol also improve ApoB. These include:Statins (Crestor, Lipitor, Pravachol, and others) PCSK9 inhibitors (Repatha, Praluent, Leqvio, Lerochol) Bempedoic acid (Nexletol) Ezetimibe (Zetia), especially when combined with a statin A few stronger specialty medications can also lower ApoB, including lomitapide (Juxtapid) and evinacumab (Evkeeza). These are usually used only for rare genetic cholesterol disorders, such as homozygous familial hypercholesterolemia. They aren’t used for most people with mildly or moderately high ApoB. It’s likely that more medications that target ApoB will become available in the future.Who needs an apolipoprotein B test?Not everyone needs an ApoB test. For many people, the usual cholesterol panel gives enough information to guide care. But ApoB levels can be especially useful for people who have:High triglycerides Type 2 diabetes, prediabetes, or metabolic syndrome Excess weight around the belly Fatty liver disease A family history of early heart disease Known heart disease, especially if LDL is well controlled A healthcare professional can help you decide if an ApoB test might be useful for you. Frequently asked questionsHow is apolipoprotein B measured?Apolipoprotein B (ApoB) is measured with a blood test. It’s not part of the standard lipid profile, but it can often be ordered at the same time. You usually don’t need to fast before your ApoB is checked.Is apolipoprotein B or LDL cholesterol a better measure of heart health?There’s good evidence that high ApoB is more predictive of heart problems than LDL cholesterol. That may be especially true for people with Type 2 diabetes, high triglycerides, or metabolic syndrome. But an ApoB level reading doesn’t replace an LDL measure. Instead, it can add useful information beyond the standard cholesterol numbers.Is high apolipoprotein B genetic?ApoB levels can be affected by your genetics. For most people, it’s a combination of genes and lifestyle. That means that even if you have genetically high ApoB, there may be important lifestyle changes that you can make to lower your risk. These include eating a heart-healthy diet, doing regular exercise, and avoiding smoking.The bottom lineA blood test for apolipoprotein B (ApoB) can show how many harmful cholesterol-carrying particles are in your blood. In some people, ApoB can reveal heart risk that a standard cholesterol panel may miss. This is especially true for people with high triglycerides, Type 2 diabetes, metabolic syndrome, or a family history of heart disease. The good news is that medications that lower LDL or “bad” cholesterol can also help lower ApoB. Lifestyle habits like following a Mediterranean-style diet, doing regular exercise, maintaining a healthy weight, and not smoking can also help. A healthcare professional can help you decide whether ApoB testing is right for you. This story was produced by GoodRx and reviewed and distributed by Stacker.
	Owning a car costs more than drivers expect. How to save on 5 major expenses The sticker price at the dealership is only one part of what a car ultimately costs. Long after they drive off the lot, drivers are still paying to finance, maintain and keep their vehicles on the road, often with expenses they didn't anticipate. In Caribou's 2026 Blind Spots of Car Ownership survey of 2,000 U.S. car owners, conducted in August 2026, 38% of drivers had an unexpected car expense of $500 or more in the past year.Caribou outlines how five major ownership costs add up and where drivers may have opportunities to save.Understand the full cost of your car loanThe car payment is the number most drivers watch because that’s what shows up on your monthly bank statement, but that’s only part of your loan. In Caribou's survey, 70% of drivers could recall their monthly payment, while only 25% could recall how much interest they'll pay over the life of their loan. Caribou Knowing how much interest you’re paying matters more as car loans get longer. The average loan for a new vehicle stretched to 70.5 months in Q3 2026, according to Edmunds. A longer term lowers the monthly payment, but it generally raises the total interest paid because the principal shrinks more slowly over more months.Look up the interest in your auto loan, which is listed on the Truth in Lending disclosure in your loan contract. If your credit has improved since you bought the car or rates have shifted favorably, you may qualify for a lower rate by refinancing. Use a refinance calculator to see how much you could save. When comparing loan offers, look at the total cost of the new loan, not only the monthly payment.Plan for repairs before something breaksRoutine maintenance is part of owning any car, but it has become harder to anticipate and afford. Prices for motor vehicle maintenance and repair rose 4.9% from January 2025 to January 2026, according to the Bureau of Labor Statistics.In Caribou’s survey, 41% of drivers said they were surprised equally by how expensive and frequent car repairs are. Tires are another pain point, with 41% saying the cost of a full set of new tires has caught them off guard. Caribou Catching small issues early can help prevent bigger repair bills. Follow the maintenance schedule for your vehicle instead of waiting for something to break. Regular rotation, balancing, and alignment help extend the life of your tires. Keeping them properly inflated alone can add an average of 4,700 miles, according to the National Highway Traffic Safety Administration.Preventive maintenance can reduce the risk of bigger problems, but it won’t eliminate surprise breakdowns. Once a manufacturer's warranty expires, a vehicle service contract (VSC) can help cover repairs to major components such as the engine, transmission, heating and cooling system, and brakes. This coverage can make an unexpected major repair easier to manage.Find savings at the pumpGas prices have become a major pressure point on household budgets this year as Americans face skyrocketing prices at the pump. The national average for regular unleaded reached $4.36 a gallon as of Oct. 6, 2026, according to AAA. That's 39% higher than a year ago. Premium gas is even higher at $5.27 a gallon.You can spend less on fuel by accelerating and braking smoothly, combining errands into fewer trips, and comparing prices with a gas app. It's also worth checking what octane rating your car actually needs. Your owner's manual will say whether premium gas is required or only recommended. If premium fuel is only recommended, rather than required, many modern engines can safely run on regular gas and automatically adjust for the lower octane.Shop around for insurance policiesOne in five drivers in Caribou’s survey said they’ve been caught off guard by an insurance premium increase after a claim or ticket. Car insurance is easy to overlook because many drivers set their policy once and forget about it. Car insurance premiums have risen 55% since 2020, according to the Bureau of Labor Statistics. There are several contributing factors for this spike, such as costly repairs on modern and complex vehicles, rising medical costs, and more extreme weather events in some states.Shopping around for quotes at least once a year can help lower car insurance costs. Rates vary widely by insurer, and changes to your driving record or financial situation could affect what you pay. Additionally, ask about discounts for bundling with home or renters insurance, safe driving, or low mileage.Make sure depreciation is part of the equationLastly, it’s not just what you pay for your car but how its value changes over time. According to Caribou’s survey, 31% say their car has depreciated faster than they expected, more than double the share who said it lost value more slowly than expected.Depreciation matters most when it’s time to sell or trade in your car, and your loan term can make a big difference. If the car loses value faster than you pay down the balance, you can end up owing more than it’s worth, known as negative equity. Longer loan terms can increase that risk because the balance declines more slowly during the early years, when vehicles often lose value the fastest.When financing a car, ask yourself how old it will be by the time you finally own it outright. A larger down payment or a shorter loan term can help you build equity faster. Keeping up with maintenance can also help support resale value.See the whole pictureA car's price tag and monthly payment are just the starting point. The average annual cost to own and operate a new car in 2026 is $12,863, according to AAA’s analysis. Your own total will depend on what you drive, where you live, and how you financed it. But understanding every cost outlined is what makes it possible to find ways to save money.Start by looking at the costs you can control. Review your loan and insurance rate, stay ahead of maintenance, and understand how quickly you're building equity. Small savings across several parts of car ownership can add up over time.MethodologyCaribou’s 2026 Blind Spots of Car Ownership Survey was conducted on August 3-4, 2026, among 2,000 U.S. respondents to understand how drivers track their car-related expenses and the surprising or underestimated aspects of car ownership. All respondents currently have a car loan on their primary vehicle.This story was produced by Caribou and reviewed and distributed by Stacker.
	Davenport woman arrested after allegedly running over two with vehicle A woman was arrested early Sunday after allegedly running over a man and a woman, reversing again over the woman, in an alley behind a Davenport bar on Saturday night.
	Iowa family turns pumpkin patch tradition into fall destination One Northwest Iowa family is turning a tradition they once shared with their kids into a fall destination for others.
	Iowa woman once given a month to live now training for a marathon Cassie O’Brien is not letting her diagnosis slow her down from running toward her dream.
	American Melody making stop in Muscatine A boat launch and parking lot will close on Tuesday for the arrival of river cruise boat.
	India's opposition parties march to top court as protests over voter lists escalate Opposition parties say revisions to the list of eligible voters favor Prime Minister Narendra Modi's party. Authorities have removed more than 130 million names from the voter roll.
	More med spas than McDonald's? 2027 forecasts say yes. Driving down the street in most major U.S. cities, you might have noticed a new fixture popping up in the local strip malls. More and more med spas are opening. According to AmSpa’s 2024 industry report, 1,589 medical spas opened in 2023, taking the national total from 8,899 to 10,488. This marked a 17.86% increase, nearly double the 2018 total of 5,431. To put this in perspective, a new med spa opened every 5.5 hours in 2023.Each of those new medical spas needs licensed clinicians to perform the treatments, typically nurse practitioners and physician assistants, along with registered nurses. However, that workforce is growing much more slowly. According to federal employment estimates, NP and PA employment only grew 6.70% in 2023 in all of healthcare, not just aesthetics.Skin Clique Academy, an injectable training program for licensed clinicians, analyzed how the industry’s growth compared with the workforce needed to staff it. The analysis pulled together national med spa counts, federal employment data and Certified Aesthetic Nurse Specialists (CANS) certification records.According to PSNCB's 2024 exam data, 60 nurses passed the CANS exam for the first time in 2023. That's 60 newly certified nurses in a year that added 1,589 med spa clinics.While there are no sources showing how much of the NP and PA workforce actually works in med spas, these three sources show a stark contrast between the number of med spas opening and the growth of the industry that staffs them.Why are so many new med spas opening?Injectables are driving much of the industry's growth. As of 2021, 94% of med spas offered facial injections.The aesthetics industry isn’t just growing the number of new locations. Revenue, patient volume and the services offered are also up. The average med spa had 283 aesthetic patient visits a month in 2022. Average revenue per location reached $1.4 million in 2023, and the same AmSpa report puts the broader medical aesthetics industry’s annual revenue at $17 billion.US med spas are nearing the number of McDonald’s locationsA 2026 Aesthetic Surgery Journal report estimates that the United States could have approximately 13,000 med spas by the end of the year. At this pace, the U.S. could soon have nearly as many med spas as McDonald's restaurants.At a state level, the ASJ also reports that the state of Florida already has 2.5 times as many med spas as McDonald’s restaurants, highlighting just how far medical aesthetics has moved into the commercial mainstream.Clinics vs. CliniciansWorkforce data was pulled from the Bureau of Labor Statistics Occupational Employment and Wage Statistics program, which estimates wage and salary employment across industries each May. Skin Clique Academy More Med Spas Now Compete for the Healthcare WorkforceThis difference in growth rate affects the ratio between med spa locations and clinicians. In 2022, the U.S. had 22.3 med spas for every 1,000 clinicians. By 2023, Skin Clique Academy’s analysis puts that number at 24.6 med spas for every 1,000 clinicians.This can be seen at the local level too. A med spa recruiting an NP or PA is hiring from the same pool of regional clinicians as hospitals, physician offices, urgent care centers, dermatology practices and other med spas.The Credential Few Nurses GetThe Certified Aesthetic Nurse Specialist credential, known as CANS, is a certification for registered nurses working in aesthetic medicine. From 2019 through 2023, only 260 nurses passed the CANS exam for the first time, while over 5,000 med spas were added in the U.S. While there is no published data showing the number of med spa injectors, there is a live public tally that shows showing 504 active CANS credential holders across the United States, U.S. territories and Canada. Skin Clique Academy You might assume passing the exam is the bottleneck, but pass rates were 90% in 2022 and 95% in 2023.The larger issue is that fewer people are taking the exam. The number of exams that have been administered fell 28% from 2022 to 2023. Only 65 exams in total were given in 2023.According to PSNCB's CANS requirements, two years of experience as a registered nurse in the core specialties is needed to take the exam. Nurses also need at least 1,000 practice hours in those specialties during the previous two years. That means that a new nurse entering aesthetic medicine during the 2023 surge in growth is not even eligible for the exam until 2025, at the earliest.More importantly, the CANS certification itself is voluntary. Based on their professional licenses and the applicable state rules, physicians, NPs, PAs, and RNs can provide injectable treatments without it.Med Spa locations can grow faster than the workforce behind themFrom 2025 to 2035, NP employment is projected to grow 41% and PA employment 21.1%, adding a combined 173,500 new jobs. However, most of this growth is driven by the need for more healthcare professionals in the United States in general, not medical aesthetics.A med spa clinic can be up and running within a few months. But it takes years to grow the number of new licensed practitioners.This story was produced by Skin Clique Academy and reviewed and distributed by Stacker.
	The good, fair, and poor: How your credit score is determined Quick answer: Most credit scores range from 300 to 850. Payment history and the amount of debt you carry make up the two biggest pieces of your score in most scoring models, followed by the length of your credit history, your credit mix, and how much new credit you've recently applied for.Your credit score is an important part of your financial health. When you know how your credit score is determined, you can use that knowledge to improve your score. It doesn't take long to learn, and the knowledge can pay off in many ways. Your score is calculated from the information in your credit report at Equifax, Experian, and TransUnion.For starters, a higher credit score usually means you get a lower interest rate on loans. Good credit could also help you get better credit cards, including cards that earn cash back on your purchases. In most of the U.S., your credit standing could affect your insurance rates. It could also influence your ability to rent an apartment.So who decides if your credit score is good, and how do they decide? Here’s what to know, according to Freedom Debt Relief.Key Takeaways:Credit bureaus collect information on you and calculate your credit score from it.Credit scores are based on scoring models—formulas that weigh the information on your credit report. The most well-known scoring models are FICO and VantageScore.Factors that determine your credit score include your payment history, debt load, length of credit history, credit mix, and new credit. Who Determines Your Credit Score?The three major credit bureaus—TransUnion, Equifax, and Experian—compile information that makes up your credit report and determines your credit scores. Your credit score is calculated based on your credit report using a formula called a credit scoring model.Your credit scores from the three bureaus might not be identical, even if they all use the same scoring model. The reason? Not all creditors and lenders report to all three agencies. There are costs involved with reporting, so some creditors only report to one or two of the agencies. This makes it likely you have a different credit score at each one. To check that credit bureaus haven’t made mistakes, get a copy of your credit report from each bureau at least once per year. You can pull your credit report for free at AnnualCreditReport.com and review it for errors.What Are the Different Credit Scoring Models?The two main credit scoring models are FICO Score, made by the Fair Isaac Corporation, and VantageScore. Of the two main types of scores, FICO has been around much longer and is more widely used. FICO reports that 90% of top lenders use its scores. VantageScore is used by thousands of lenders. You should get familiar with both kinds of scores.FICO and VantageScore use similar information to calculate credit scores. They primarily look at the following:Your track record of on-time and late payments How much of your credit you use How long you’ve been using credit Your credit mix (if you use credit cards, loans, or both) How many recent credit card and loan applications you have Each model weighs these factors differently, so your FICO Score and VantageScore aren’t usually the same. FICO and VantageScore have proprietary formulas, so we don’t know exactly how they calculate credit scores. But each company provides some information on their calculation methods.For example, your payment history is the most important factor with both FICO and VantageScore. But VantageScore values it a little more. FICO, on the other hand, values the amount of credit you use and your recent credit applications more than VantageScore.To make it more complicated, FICO and VantageScore both offer several scoring models. Each model uses a slightly different formula. Lenders choose the scoring model that best fits their needs. There are special models for auto lenders, mortgage lenders, and credit card companies, among others.What Factors Go Into Determining Your Credit Score?Since the FICO scoring model is the most widely used, we’ll look at it more closely. There are five factors it considers.Payment historyPayment history is your track record of paying back money you’ve borrowed. Every time you make a credit card or loan payment, your creditor probably reports it to the credit bureaus.Missed payments are bad for your credit score, but the credit reporting system gives you a grace period. A payment is only considered late on your credit history when it’s at least 30 days past-due. If you miss a payment but get caught up before 30 days have passed, the payment is considered on-time as far as your credit score is concerned.Once a payment’s late by 30 days, it goes on your credit history. The longer you go without paying, the more it impacts your credit. For example, a payment that’s 90 days past-due is worse than one that’s 60 days past-due.Payment history also includes any other payment issues on your credit file, such as:Accounts reported to collection agencies Bankruptcies Home foreclosure Wage garnishment The higher your ratio of on-time payments to late payments, the more creditworthy you look to lenders. People with the highest credit scores have no late payments on their credit files.Amounts owedAmounts owed refers to how much debt you have. The biggest factor in this category is your credit utilization ratio. That’s how much credit card debt you have compared to your credit limits. If you’re using nearly all the available credit on your credit cards, your utilization is likely to damage your credit score. As you pay down debt, your credit score should gradually improve.Here's the formula for finding your utilization rate on any card:Divide the card's balance by its credit limit. Multiply the result by 100 to get a percentage.Follow the same two steps with your total balances and total limits across all cards to find your overall utilization rate.Let’s say you have the following:Card A, with a $750 balance and a $1,000 limit Card B, with a $1,000 balance and a $4,000 credit limit Card C, with a $1,250 balance and a $2,500 credit limit.To get your credit utilization, divide the balance by the credit limit. In this example, your credit utilization would be 75% on Card A, 25% on Card B, and 50% on Card C. Combined, your balances add up to $3,000, and your credit limits total $7,500. So your overall credit utilization is $3,000/$7,500, or 40%.Per-card utilization and overall credit utilization both matter. As far as what your credit utilization should be, lower is better. A common myth says that you should aim for less than 30% credit utilization, but there’s no firm data supporting it. FICO says “keeping it below 10% (and consistently paying bills on time) can help you build and maintain a good FICO Score.”Length of credit historyLength of credit history or credit age is the amount of time you’ve had your credit accounts open. The longer you’ve spent making payments on time, the more positively this will impact your score. A short history of credit usage doesn’t tell lenders how you handle credit accounts over longer spans of time.With this factor, credit scoring models generally look at:The age of your oldest credit account The age of your newest credit account The average age of your credit accountsCredit mixCredit mix measures how diverse your credit accounts are. There are two main categories of credit accounts:Revolving accounts, such as credit cards and lines of creditInstallment loans, such as mortgages, auto loans, student loans, and personal loansA variety of account types is generally good for your credit score. It shows that you have experience with managing multiple types of credit, a positive sign to lenders.Credit mix is one of the smaller parts of your credit score, though. It’s not worth opening a new account just to have a little more variety. Plenty of people have built excellent credit scores while only using one type of credit.New creditNew credit looks at the number of accounts you’ve opened or applied for recently. Each time you apply for credit, you could lose a few points off your score. You typically recover those points gradually over the next year.For this factor, scoring models check the number of hard inquiries on your credit file. A hard inquiry is a credit check that occurs when you apply for credit. If you apply for a loan, the lender usually checks your credit, putting a hard inquiry on your credit history (note that this doesn’t usually apply to prequalification for a loan).Another type of credit inquiry, a soft inquiry, doesn’t affect your credit score. A soft inquiry is a credit check unrelated to a full credit application. Loan requalification isn’t considered a full loan application, so it usually prompts this kind of inquiry. Or, for example, if you use a credit score tool online, it could run a credit check on you. Since this credit check isn’t for a credit application, it’s a soft credit inquiry.Why You May Have Multiple Credit ScoresYou most likely have many credit scores. This is completely normal, because of the number of scoring models and credit bureaus.Each of the three credit bureaus—Equifax, Experian, and TransUnion—calculates FICO scores and VantageScores. Already, that’s six potentially unique scores.FICO and VantageScore also have multiple scoring models. FICO alone has over a dozen scoring models, with models for general scoring purposes, mortgage lending, auto lending, and credit card applications. These models can be used with each credit bureau, meaning you (and everyone else) could have well over 30 FICO Scores alone.If you apply for an auto loan and a credit card, each company will probably see a different credit score for you. The auto lender may pull a credit score calculated using an auto lending model. The credit card company could pull a score calculated using a credit card model.Your credit score can also change every time information on your credit report is updated. This is another reason you could see different numbers each time you check your credit score.Educational credit scores vs. lending scoresThe credit score you see in a credit monitoring tool may not be the same one a lender sees. Some credit monitoring tools provide educational credit scores. Educational scores are used by these online credit score tools to give people an accurate idea of their credit.Lending scores are what lenders and credit card companies see when they check your credit. These scores use industry-specific scoring models, such as the auto lending and mortgage lending FICO score models.Which Credit Score Factors Are Most Important?Some of these factors carry more weight than others. This chart shows what percentage of your score each factor makes up.Here's a general breakdown, based on the standard FICO Score model: Freedom Debt Relief Payment history: about 35% Amounts owed: about 30% Length of credit history: about 15% New credit: about 10% Credit mix: about 10%VantageScore weighs the same information differently: Freedom Debt Relief Payment history: about 41% Depth of credit (the combination of your credit history length and credit mix): about 20% Credit utilization: about 20% Recent credit: about 11% Total balances: about 6% Available credit: about 2% These percentages are general estimates. The exact formula is secret, and depends on many factors.What Is a Good Credit Score?Every lender decides what it considers an excellent, good, fair, or poor score, so these ranges are a guideline, not a rule. FICO considers a good credit score between 670 and 739. According to VantageScore, good credit ranges from 661 to 780. Both types of credit score have a range of 300 to 850, so 850 is the highest possible credit score.Here’s a breakdown of all the FICO Score ranges and what it means to have a score in each range when you apply for a loan or credit card.FICO score ranges Freedom Debt Relief Credit Score Ranges and What They Mean for Debt ManagementYour credit score affects your debt management options. If you want to get a debt consolidation loan for credit card debt or other types of debt, it helps to have a good credit score. With a score in this range, you’re likely to find a lender who’ll approve you for a loan at a reasonable interest rate. Without good credit, it’s harder to get approved for a loan, and if you’re approved, you could end up with a hefty interest rateOne way to consolidate debt with bad credit is a home equity line of credit (HELOC) or loan. With a HELOC or home equity loan, you borrow against your home. Because your home is the collateral, you don’t need a high credit score—some lenders may allow you to apply with a score of 600.If you can’t keep up with your debt payments, a debt relief program may be an option. Unlike debt consolidation loans and HELOCs, debt relief is available no matter your credit score. With this option, a debt relief company works with you, negotiating with creditors on your behalf for debt settlement.You’ll most likely see your credit score drop during the debt relief process. But if you haven’t been able to make your payments, that’s probably already brought down your credit score. Debt relief gives you the opportunity to get free of debt so you can rebuild your credit and your finances. Common Credit Score Myths and MisconceptionsQuite a few myths and misconceptions exist about credit scores. Here are some of the most common.Myth: Checking your credit score lowers your scoreCredit score tools usually only put a soft inquiry on your credit file. Soft inquiries don’t impact your credit, making them different from the hard inquiries associated with credit applications. You can double check this with any credit score tools you use—they typically make clear that there’s no impact to your credit score.Myth: Your income affects your credit scoreIncome isn’t part of the credit score calculation. Employment status isn’t either. You don’t need to be a high earner to have a high credit score.Myth: Carrying a credit card balance is good for your creditThis is one of the most dangerous credit score myths, because it leads to paying unnecessary interest charges. You don’t need to carry a balance on your credit card to have good credit. You’re better off paying your credit card in full whenever possible to avoid interest. Myth: Closing a credit card improves your creditClosing a credit card normally doesn’t improve a person’s credit score. It could have a negative impact, because you lose that card’s credit limit, reducing the total amount of available credit. If you have other cards with balances on them, then your credit utilization ratio could increase and affect your credit score.How to Improve Your Credit ScoreOn-time payments make up the biggest share of most credit scores, so that's the best place to start if you are able. A few other habits could help over time:Keep balances low compared to your limits. Paying down revolving debt could lower your credit utilization and help your score. Apply for new credit only when you need it. Each hard inquiry could cause a small, temporary dip in your score. Check your credit report for errors. You can pull a free copy from each bureau at AnnualCreditReport.com and dispute anything that looks incorrect.Building credit takes time. Small, consistent habits add up more than any single quick fix.What Doesn’t Go Into Your Credit Score?Information outside your credit report has no impact on your credit score. Your score is based entirely on your credit history.Your credit score is unaffected by your:Income Age Employment history Marital status Race, religion, or national origin Where you live Interest rates on loans you already have Soft credit inquiries Whether you've used credit counseling Federal law prohibits lenders from considering race, religion, national origin, sex, or marital status when extending credit, including when calculating a credit score.Rent, utility bills, and everyday expenses don’t impact your credit, either. Most landlords and utilities companies don’t report payments to the credit bureaus. If you don’t have a lot of experience with credit, you can request a credit score that factors in your on-time rent or utility payments. This is an alternative score, and you don’t get it automatically. FICO, VantageScore, and all three credit bureaus offer alternative scores. In some cases, the creditor has to request it. Search for Experian Boost or UltraFICO. If you know you want your rent payments reported, search for Rental Kharma or RentReporters.How Does Debt Impact Your Credit Score?If you’re struggling with debt, your credit score may be struggling, too. Credit card debt can be especially problematic, because credit utilization is such a large part of your credit score. If you’re close to maxing out your credit cards, you have high credit utilization, and that hurts your credit score.But your payment history is the largest factor, so you could still have a good credit score even if you’re deep in debt—as long as you consistently make payments on time. Even so, this is a risky situation. Your credit score and your ability to get approved for loans aren’t all that matter. You also need to be able to pay bills, plan for retirement, save for emergencies, and work toward other money goals. You could achieve those things with or without good credit, but it’s extremely difficult if you’re saddled with lots of debt.If you have lots of debt and focus on paying only monthly minimums to protect your credit score, you’re not paying down your debt enough to improve your financial situation. As the debt continues to grow from accruing interest, so do the minimum payments. And if you fall behind on those payments, your credit score could fall while your debt grows.Sometimes, to take care of your overall financial health, you need to put your credit score on the back burner temporarily and prioritize debt. This story was produced by Freedom Debt Relief and reviewed and distributed by Stacker.
	8 personal banking tasks you should automate to save time and money Most people already have plenty on their to-do list and don’t relish spending precious time managing their money. So, using a banking system that takes care of routine transactions in the background can be a big time-saver. Using digital banking automation for repetitive financial tasks can free up your mind while keeping you in control of important decisions.In this article, Mercury, a fintech platform that offers business and personal banking services, shows you how to automate and improve your personal banking.Why automate your personal banking?Managing your money manually requires time and discipline. When you’re juggling savings, bill payments, and investing goals, it’s easy for routine tasks to slip through the cracks. But this can have real consequences: A missed transfer or forgotten payment can cost you money or put you behind on your financial goals.Using personal banking automation can be a convenient tool to help you manage your personal finances more consistently and efficiently. Here are a few of the key advantages to automating aspects of your personal banking systems.Fewer missed paymentsBy setting up automatic, recurring payments, you’ll ensure that you pay your credit card bills, subscriptions, and utilities on time — and you’ll be less likely to miss a payment and incur late fees or penalties.More consistent savingUsing automation can also support you in reaching your savings goals. Setting up regular, automatic transfers to your savings accounts helps you work toward big goals and dreams, like buying a home or saving for retirement. Plus, when work gets busy or you’re traveling, you’ll feel better knowing that your savings are being handled in the background.Less financial adminInitially, setting up automations for your accounts, transfers, and payments will take some time. But once they’re up and running, these automations will reduce the amount of hands-on work required to manage your money. Instead of regularly moving funds between accounts, paying bills individually, or checking whether you’ve completed routine tasks, your system should handle them according to the rules you’ve established.Reduced decision fatigueAutomating your personal banking tasks saves you the hassle of making repetitive money decisions. Freeing up your mental bandwidth can give you breathing room, reduce anxiety, and leave you with a clearer mind to concentrate on other important business or life decisions.Better financial visibilitySetting up intelligent automation in banking can allow you to monitor recurring payments, get alerts about suspicious activity, and automatically categorize your transactions by spending category. This can give you a clearer, more up-to-date view of where your money is actually going and make it easier to spot areas that may need your attention.8 personal banking tasks worth automatingTrying to do everything at once can feel overwhelming. Start by automating the routine, predictable tasks. Here are eight banking tasks that are often worth putting on autopilot.1. Automatically move money into savingsAutomating your savings makes it easier to build a consistent habit, without having to remember to transfer money each month. To do this, set up recurring transfers from your checking account to your savings account, timed around your typical paydays.You can also use separate savings accounts for specific goals, such as dedicated accounts for saving for a vacation, home renovation, or emergency fund. As your income grows, you can adjust your automatic transfers to put more toward your goals.2. Pay recurring bills automaticallySet up autopay to automatically pay for regular expenses, like your mortgage, credit card bills, insurance, memberships, and subscriptions. You can set it up through your bank or directly with the service provider or vendor. Just make sure that you have enough money in your account for upcoming payments.Automating payments helps you meet deadlines and keep up with monthly bills. Still, it’s a good idea to check your statements now and then for unexpected charges or price increases.3. Categorize spending and monitor transactionsAI banking tools can help you save time and effort. For instance, AI can automatically review your bank statements and sort your spending into categories (like groceries, dining out, and clothing, for example). You can also set up alerts, so you’ll automatically get notified in the event of unusual transactions or so you can keep an eye on big purchases.4. Transfer money between accountsIf you use multiple accounts to organize your finances, automated transfers can distribute your money between them for you. For example, each time you get paid, you could direct a set amount of money to go to a joint account for household expenses or another checking account for discretionary spending. This can make it easier to keep different types of spending separate, without needing to manually move money between accounts throughout the month.5. Monitor cash balances and unusual activityWhen you’re using modern banking automation, you don’t have to watch your accounts all the time, if you turn on alerts and notifications. Real-time push notifications let you check purchases and spot anything unfamiliar. Low-balance alerts warn you when your account needs more funds. You can also get alerts about suspicious activity, so you can act quickly, if needed.6. Analyze spending trendsGoing through transactions line by line can be time consuming. For busy professionals, it’s often more helpful to look at spending patterns, which can give you a big-picture overview. AI-powered spending summaries, for instance, can identify recurring subscriptions and provide financial insights that may otherwise slip under the radar. Regularly reviewing these summaries can help you stay informed about your finances and identify areas where you might want to make adjustments.7. Prioritize important financial tasks before they become urgentFinancial issues — such as a missed credit card payment or a possible cash flow shortage — can compound if you overlook them. AI can be a helpful assistant that highlights potential opportunities and risks within your personal finance stack. It can also support you in making educated and timely decisions.8. Automate your investment contributionsConsider setting up recurring contributions to your investment accounts, such as a 401(k) or individual retirement account (IRA). Automating these contributions leverages the power of compound interest and helps you grow your wealth over time. Be sure to review your investment portfolio periodically and make any necessary adjustments to keep you progressing toward your goals.Where AI fits into personal bankingWith conventional automation, you set rules, such as paying bills on certain dates or sending alerts when your balance is low. AI adds another layer by helping you analyze financial information and identify patterns.For example, AI-powered tools can categorize transactions in greater detail, giving you a clearer picture of your spending. They can also streamline the process of analyzing your bank statement processing by consolidating data and generating financial summaries and personalized insights that can help you better understand your overall financial position. Based on your transaction history, AI may suggest savings goals, flag unusual spending or potential cash flow issues, and even walk you through “what if” scenarios before you make important financial decisions.Use these tools to augment your judgment, rather than make decisions for you. By analyzing your financial activity and drawing attention to information that may require a closer look, AI can make it easier to understand what’s happening with your money. But you’ll remain in control and have the final say over your finances.In short, conventional banking automation can handle recurring tasks, whereas AI can help you interpret your financial data.Build a banking system that works in the backgroundImagine having money automatically directed toward your savings goals, your bills always paid on time, and real-time notifications alerting you when your balance is low. A well-designed personal banking system can keep routine financial tasks, like these, moving, without demanding constant attention.Automation can also make it easier to stay on track with your financial goals. You don’t need to automate every aspect of your finances, but taking repetitive tasks and decisions off your plate can make managing your money feel simpler and help you keep your habits more consistent. When you have a reliable, low-maintenance system in place, you can stay in control of your money, keep your finances organized, and breathe a sigh of relief. Mercury is a fintech company, not an FDIC-insured bank. Banking services provided through Choice Financial Group and Column N.A., Members FDIC.This story was produced by Mercury and reviewed and distributed by Stacker.
	St. Ambrose student raise over $38,000 for children's hospital St. Ambrose University Dance Marathon broke its previous 2021 record by over $6000 and its Thursday goal by over $14,000.
	Tips for booking the best holiday travel deals, according to KAYAK data One way or return? Book now or wait? Fly on the holiday itself or the weekend before? Those are the questions on travelers’ minds right now.The good news: KAYAK’s latest 2026 Holiday Travel Check-In has the answers. Travel expert KAYAK dug into its search data from 2025 and 2026 to provide actionable tips and tricks on how to get the best-priced flight tickets, when fares historically come down, and which travel dates deliver the best value for this year’s holiday season. Round Trip? Not NecessarilyRethinking the traditional round trip could pay off when it comes to ways to save this holiday season. Piecing together two one-way tickets could cut airfare by as much as 30% internationally and 29% domestically.The biggest potential savings when booking two one-way trips include Simpson Bay, St. Maarten, at 30%, Liberia, Costa Rica, at 23%, and Lima, Peru, at 20%. Domestically, Washington, D.C. leads at 29%, followed by Chicago at 28% and San Diego at 22%.International holiday destinations with the biggest price difference: two one-way flights vs. a round trip KAYAK Domestic holiday destinations with the biggest price difference: two one-way flights vs. a round trip KAYAK When to Book and When to Take Off?Patience could pay off, but it's got a deadline. Despite flight prices being higher this year, they have followed similar patterns to 2025. That makes last year a useful guide, not a crystal ball.For a domestic Thanksgiving trip, airfare has historically hit a low around five weeks before the holiday (hint: get that flight booked before the end of October), then climbs sharply within two weeks of departure. Flying on Thanksgiving Day could save travelers up to 19% domestically and 49% internationally versus departing Nov. 20, currently the priciest day to fly.Christmas travelers have a sweet spot of their own: KAYAK data shows fares historically dip between four and seven weeks before departure (roughly mid-November through early December). Flying the week of Christmas (vs. the week before) can save travelers up to 18% domestically and 34% internationally. That Long-Haul Trip Just Got More BookableIf that far-flung trip is sitting on your travel wish list, it actually might be closer than it looks this holiday season. KAYAK records some of the biggest airfare price drops versus last year for a holiday break can currently be found on long-haul routes, with average fares to destinations across Latin America, Asia and the Caribbean coming in lower than last year. KAYAK Methodology:Unless otherwise noted, holiday travel data is based on flight and hotel searches made on KAYAK between April 1, 2026, and Sept.1, 2026, for travel between Nov. 20, 2026, and Jan. 6, 2027, compared to searches made between April 1, 2025, and Sept. 1, 2025, for travel between Nov. 21, 2025, and Jan. 7, 2026. All flight prices are average prices for round-trip, economy tickets. All hotel prices are average nightly rates. Prices may vary, and savings cannot be guaranteed. Percentages for changes in pricing are approximate.Thanksgiving data is based on flight and hotel searches made on KAYAK between April 1, 2026, and Sept. 1, 2026, for travel between Nov. 20, 2026, and Nov. 29, 2026, from any U.S. airport, compared to searches made between April 1, 2025, and Sept. 1, 2025, for travel between Nov. 21, 2025, and Nov. 30, 2025.Christmas data is based on flight and hotel searches made on KAYAK between April 1.2026, and Sept. 1, 2026, for departures/stays between Dec. 17, 2026, and Jan. 6, 2027, from any US airport, compared to searches made between April 1, 2025, and Sept. 1, 2025, for the travel period between Dec. 18, 2025, and Jan. 7, 2026.This story was produced by KAYAK and reviewed and distributed by Stacker.
	Traffic Alert: Crews phasing in two-way travel on 4th Street in Davenport Starting tomorrow, the city will be phasing in two-way travel on 4th Steet.
	Grant to help United Way Whiteside County fund Let's Feed Our Children program A new grant will help United Way of Whiteside County fund its summer meal program next year. The organization has received a $10,000 grant through the Quad Cities Community Foundation’s 2026 Operations and Program Grants to support Let’s Feed Our Children, United Way’s summer meal program. During summer 2026, the program provided almost 50,000 grab-and-go [...]
	The SaaSpocalypse is real, if you're not a system of record Everyone is arguing about whether AI is killing SaaS. ZoomInfo looked at 229 software categories across its database and found that small companies are dropping point solutions at four times last year's rate. At the recent Salesforce Dreamforce conference, companies discussed what they are doing about it.Roughly $2 trillion of software company value has moved this year on the claim that AI is killing business software.The two sides of the argumentOn the one hand, Salesforce announced that nine of the ten biggest AI companies use Salesforce and Slack, and their spending is up 435% in a year.Compare that to what's filled the feeds for most of 2026: stories like the 55-person firm that ditched its CRM, built its own, and saved about $100,000 a year seemed to crop up every other day.Both sides have valid examples. Here’s what the macro view looks like.ZoomInfo tracks the software that companies use across 229 categories and every company size, from firms with less than 10 staff through to global enterprises. In looking at every tool added or dropped over two years, from mid-2024 to mid-2026, ZoomInfo saw an interesting trend when categorizing software into two groupings:Point solutions: Software that does one job, with fewer dependencies. Live chat, help desk, web forms, marketing automation, review management.Systems of record: Software that holds the data the rest of the business runs on. CRM, HR, payroll, accounting, ERP, reporting.The data showed a serious gap emerging between the two software types, but only at one end of the market.1. A year ago, the two were dropped at similar rates…A year ago, at companies with under 100 staff, point solutions and systems of record were being dropped at close to the same rate.Now, in the space of only one year, point solutions are being dropped four times as often as they were, and the gap between point solutions and systems of record is 24 percentage points.Adds are flat across the group, so the number of buyers hasn't changed. Live chat went from 1,700 drops a quarter to 9,900; help desk went from 700 to 7,200; marketing automation went from 900 to 9,300. ZoomInfo Why? A point solution is the kind of thing a small team can now look to replace in an afternoon. Someone builds a workaround with an AI tool and switches the old one off. These point solutions have no data of their own. What they have is a workflow, which is now a lot easier to replace.2. Point solutions are more resilient at large companiesAt the smallest companies, a third of all activity on point solutions is now companies dropping them. A year ago it was under one in ten. Then it falls at every step up in company size. It halves at 50 staff. It halves again at 1,000. Over 10,000 staff, it's 1 in 100, exactly where it was a year ago.At large companies, the gap between the two kinds of software opened by just two points.What's left to be seen is how much this is going to change. There are two ways to read it. Either large businesses will keep these tools because they are harder to remove once everything is wired into them, or large businesses just move more slowly and the same trend reaches them over the next few months. ZoomInfo Table shows, for all activity on a software (adds and drops), how many were drops. Broken down by company size.The intel from DreamforceThe discussion on the Dreamforce floor lined up almost exactly with the numbers above. Everything at Dreamforce came down to where the data lives and where people go to use it, which splits the market three ways. The systems of record, who hold the data. The front end, which increasingly means Claude and ChatGPT, where people now go to get things done. And the orchestrators, who move work between the two. A point solution is none of these. It's an app with a workflow in it, and it relies on people opening the app.That explains the numbers we're seeing. People go to Claude or ChatGPT instead of multiple apps. The system of record took the workflow: it already had the data, and now it's building agents on top of that. And anything left over, a small team can rebuild in an afternoon. A point solution held no data and did nothing the other three can't. So it gets switched off.Looking around the booths at Dreamforce, almost every one had an agent, and most of them were an AI wrapper on what the product already did. The ones without a system of record underneath were quiet, because their agent did nothing Claude or ChatGPT couldn't.The final wordSo what are companies doing about it? On the floor, the answer was the same everywhere: they overbought, and now they are consolidating around the systems that hold their data, with an agent doing the work that used to need a separate tool.A year ago, point solutions and systems of record were being dropped at nearly the same rate. Now they're 24 points apart. The SaaSpocalypse is real for point solutions at small companies. It isn't happening to large companies yet, and it isn't happening to systems of record.In Q1, the build hype was real. People were saying no SaaS tool was safe. That has calmed down, and what's left are two questions every buyer is asking:Is it worth our time to build and maintain something like this? How time-consuming is the existing software to replace? A lot of tools don't have a good answer to either.This story was produced by ZoomInfo and reviewed and distributed by Stacker.
	The benefits of managed IT services for legal firms Data security is critical in today’s digital world, especially for law firms that handle sensitive client information. A lack of cybersecurity efforts can lead to data breaches, resulting in financial losses, reputational damage and even safety risks for you and your clients. However, as lawyers, your expertise lies in the law, not IT systems. Managed IT services can bridge the knowledge and skill gap by offering advanced technologies, 24/7 monitoring services, compliance solutions and support. Frontline Managed Services explains the details in this article.What Security Threats Target Legal Practices? Frontline Managed Services Your law firm is susceptible to social engineering attacks as long as you work with sensitive and valuable information. Social engineering attacks involve psychologically manipulating people into providing confidential information by performing specific actions. Scammers may aim to disrupt your operations, gain unauthorized access or commit fraud. With technological advancements, the techniques involved in these threats are also evolving.In 2024, 42% of organizations reported experiencing social engineering attacks. Some attacks you need to be mindful of include:Phishing scams: Scammers can use phishing scams through email or text messages to access your or your clients’ email, bank or other accounts, including your passwords. They can sell this information to other scammers or steal your identity, which can cause financial losses and reputational damage. Spear phishing can be especially dangerous, as it is a targeted and researched form of attack. It involves impersonating contacts you may know through fake accounts. According to the Federal Trade Commission (FTC), scammers perform thousands of phishing attacks daily, which are often successful.Doxing: Doxing involves gathering personally identifiable information, then releasing it publicly for malicious purposes. This can cause identity theft, stalking, public humiliation or harassment. This attack can also impact you or your clients’ families and neighbors.Ransomware attacks: Ransomware attacks use malware to encrypt files on your device. This encryption makes your files and systems unusable, which impacts your business operations. Scammers demand ransom in exchange for decryption. They may threaten to sell or leak your data. In 2025, 72% of organizations reported an increase in cyber risks, with ransomware as their top concern. Apart from digital attacks, you should also be wary of physical ones. For instance, a scammer may impersonate an IT support representative in person, before inserting a device into your computer to steal sensitive information. They then use this information to extort you or your clients.Why Cybersecurity Is Critical for Law FirmsManaging cyber threats and preventing data breaches is part of your professional responsibility as lawyers. You handle sensitive information daily, whether through document collaboration, e-signing contracts, legal research or workflow automation. These activities make you an attractive target for hackers. Taking safety precautions is especially essential for a remote and hybrid workforce. The American Bar Association (ABA)’s Model Rules of Professional Conduct indicate you should take reasonable steps to protect client information. Specific model rules that apply to cybersecurity include: Competence: As lawyers, you must be competent enough to provide client representation. You need to have the legal knowledge, skill, thoroughness and preparation that’s reasonably necessary. This competence encompasses the ability to handle technology and manage client information that is susceptible to cybersecurity threats.Safeguarding property: You must properly safeguard client properties you possess, including accounts you manage on their behalf. For instance, if you’re managing their trust accounts, you need to take necessary steps to protect them. Communication: You must inform clients of circumstances that impact their decisions regarding your representation. You may explain the security measures you have in place that protect client information. You’d also need to notify them of any data breach that involved their information.Confidentiality of information: You must not reveal information regarding client representation, unless the client offered their consent, your contract impliedly authorized the disclosure to let you perform your work, or if you believe that revealing the information is necessary. This confidentiality goes beyond confidential communications and privileged information. It requires you to make reasonable efforts to protect all information regarding your client representation. States may also have their own professional conduct rules, often based on these model rules. As law professionals, you must stay on top of these data protection requirements. If you’re an international law firm, you must also understand privacy laws in other countries. Frontline Managed Services How Do Managed IT Services Protect Client Data?Managed IT services can help protect your client data through the services they offer, which can include:1. Strong Cybersecurity FeaturesManaged IT services provide strong data protection through advanced cybersecurity features. They offer security assessments to identify your vulnerabilities and highlight areas for improvement. They also monitor your systems 24/7, detecting and responding to issues immediately before the damage escalates. Since scammers don’t function on a regular schedule, continuous monitoring is essential. Managed IT teams use technology that detects patterns of potential attacks from real-time data. Once they identify unusual activity in your system, automated alerts can inform responsible teams of potential breaches. Analytics also examines past incidents to foresee future vulnerabilities. IT teams can then refine security protocols as needed.2. Support for Regulatory ComplianceManaged IT services can help you comply with regulations for handling sensitive information, thus avoiding noncompliance penalties. They also provide recovery solutions in the event of a data breach. For instance, you may be handling medical records due to personal injury or medical malpractice cases. In this case, you must comply with the Health Insurance Portability and Accountability Act (HIPAA). HIPAA requires you to protect people’s identifiable health information, whether electronically, orally or on paper, which includes:Past, present or future mental or physical health conditions.Past, present or future health care payments.Health care provisions.If your law firm engages in financial activities, such as financial advisory, tax preparation or real estate services, the FTC Safeguards Rule also requires you to keep customer information secure. After a data breach, the FTC suggests that you:Secure your systems and fix vulnerabilities immediately.Mobilize a response team to prevent further data loss.Take all affected equipment offline.Determine the legal requirements, including state-specific regulations, for data breach notifications. HIPAA’s Breach Notification Rule requires you to notify affected individuals within 60 days. A resolution agreement may also apply, where you must perform specific obligations and report to the Department of Health and Human Services (HHS) for about three years. The HHS will monitor your compliance within this period. Managed IT services can help you comply with the reporting requirements.3. Reliable Backup and Recovery SolutionsAdhering to regulations involves adopting recovery solutions. However, recovery solutions are only effective with sufficient backups. Managed IT services regularly back up your files and systems to ensure business continuity and minimize downtime. These services periodically create and update copies of your files and store them in remote locations or in cloud storage. IT services encrypt and regularly test these backups, ensuring they’re free from data corruption. With backups in place, recovery solutions can use the copies to reestablish access to your files, applications, data or other resources. Without these systems, retrieving lost data can take hours or days, impeding business operations. These consequences can be severe, especially if they involve lost, altered or compromised evidence in legal cases.4. Efficient and Cost-Effective IT SupportManaged IT service providers know about the latest threats and how to protect your data from them. Engaging managed IT services can be more cost-effective than building an in-house team. You’ll also avoid the costs of investing in your own equipment.Some managed IT services leverage automation and artificial intelligence (AI). For instance, a provider may use an AI-powered service desk to make workflow efficient and reduce resolution periods. They can also provide support for your in-house teams, if you have any. They can offer employee training and share best practices in handling cybersecurity risks. The cost of lost time and resources due to potential data breaches can be substantial. Long-term costs also include reputational damage and strained attorney-client relationships. With this in mind, investing in a managed IT service provider can be worth it. They can fill the skill gap in your company without increasing your capital expenses.5. Scalable IT SolutionsSmall to medium-sized law firms can especially benefit from outsourcing IT management. You can limit the services to what you need, whether they include cybersecurity monitoring, compliance support or cloud management services. Growing and established firms also benefit from tailored services, no matter the complexity of their infrastructure. Managed IT services have the capacity to scale:Service: You might have fluctuating demand or upcoming growth initiatives. Service providers can scale their services, adding or reducing resources and support based on your needs.Software: Platforms, applications and systems must be able to handle your growing datasets and transactions without impacting functionality and performance. Managed IT service providers can deliver a streamlined experience thanks to their advanced technologies.Infrastructure: The larger your firm, the more you may need to invest in servers, storage and networking equipment. Increasing workloads and demands require more resources. With managed IT services, accessing this infrastructure becomes easier. You won’t even need to allocate physical locations to make room for this infrastructure.How to Select the Right Service ProviderSome managed IT services are better than others. You might even encounter malicious actors posing as IT experts. To ensure you’re selecting a trusted and reliable provider, look for: Proven track record: Look for a history of success and positive client feedback. If you need the provider to support your growth initiatives, do they have the necessary expertise? How many clients have they worked with, and what is the retention rate? Be wary of in-person social engineering tactics, where malicious actors ask for access to your computers. It’s safer to work with established companies with decades of experience.Certifications: Certifications ensure providers have the training and skills necessary to protect your sensitive information. The staff should also be certified depending on their focus area, whether it’s cyber defense, cloud security or digital forensics. Certifications indicate whether professionals, such as an accounting or auditing firm, have reviewed the provider’s processes to ensure they operate effectively. As a company, a provider can have different certifications, such as ISO/IEC 27001 and Service Organization Control (SOC) 2 certification.Comprehensive and personalized services: Each law firm has its own needs and challenges. One firm might handle medical cases, while another focuses on tax law. Does the provider show valuable insights and possess a deep understanding of your industry? What is included in the managed IT support services? A tailored solution is essential in achieving your long-term goals.Advanced technological solutions: Although many IT services leverage advanced technology, some use better technologies than others. How can the provider’s technology scale with your business? Will they be able to adapt to your workload? Do they have proprietary technology that makes workflow more efficient?Quality and level of support: Support schedule is important in case of data breaches. Will you be able to contact them 24/7 throughout the year? Do they have a clear process in case of incidents? How can they help you comply with regulations, especially regarding incidents?Protect Your Law Firm Through Managed IT ServicesAs law professionals, it’s your responsibility to ensure your clients’ information is well-protected. Managed IT services can play a significant role, as they can help you navigate the increasing cyber risks that come with advancing technology. These services can also protect you and your company, ensuring malicious actors can’t steal your information and identity. Given the consequences of data breaches, investing in managed IT services can be worth the cost. Depending on the provider, covered services can include:Strong cybersecurity features.Support for regulatory compliance.Backup and recovery solutions.Expert training.Scalable growth solutions.Consider working with those who have extensive industry expertise. Certifications and a proven track record also show if you’re looking at a trusted company. Tailored professional services ensure you’re getting the solutions you need. This story was produced by Frontline Managed Services and reviewed and distributed by Stacker.
	Public art has brought the river town of Clinton together Two best friends have been working to make Clinton a destination and create connection in their community through art — from colorful murals to giant wooden trolls.
	Monmouth home uninhabitable after fire A Monmouth home is uninhabitable after a fire Sunday afternoon at the 600 block of South 4th Street. No injuries were reported, and the cause is under investigation.
	Monmouth house fire leaves residence uninhabitable Fire crews responded to a house fire in the 600 block of South 4th Street Sunday afternoon. No injuries were reported.
	How a smarter home can help families reclaim their time Sorry, but your browser does not support the video tag. var bptVideoPlayer = document.getElementById("bptVideoPlayer"); if (bptVideoPlayer) { var cssText = "width: 100%;"; cssText += " background: url('" + bptVideoPlayer.getAttribute("poster") + "');"; cssText += " -webkit-background-size: cover;"; cssText += " -moz-background-size: cover;"; cssText += " -o-background-size: cover;"; cssText += " background-size: cover;"; bptVideoPlayer.style.cssText = cssText; var bptVideoPlayerContainer = document.getElementById("bptVideoPlayerContainer"); if (bptVideoPlayerContainer) { setTimeout(function () { bptVideoPlayerContainer.style.cssText = "display: block; position: relative; margin-bottom: 10px;"; var isIE = navigator.userAgent.match(/ MSIE(([0 - 9] +)(\.[0 - 9] +) ?) /); var isEdge = navigator.userAgent.indexOf("Edge") > -1 \|\| navigator.userAgent.indexOf("Trident") > -1; if (isIE \|\| isEdge) { fixVideoPoster(); } }, 1000); } var bptVideoPlayButton = document.getElementById("bptVideoPlayButton"); if (bptVideoPlayButton) { bptVideoPlayButton.addEventListener("click", function () { bptVideoPlayer.play(); }, false); bptVideoPlayer.addEventListener("play", function () { bptVideoPlayButton.style.cssText = "display: none;"; }, false); } var mainImage = document.getElementById("mainImageImgContainer_sm"); if (mainImage) { mainImage.style.cssText = "display: none;"; } var mainImage = document.getElementById("photo-noresize"); if (mainImage) { mainImage.style.cssText = "display: none;"; } var assetGallery = document.getElementsByClassName("asset_gallery")[0]; if (assetGallery) { assetGallery.style.cssText = "display: none;"; } var assetGallery = document.getElementsByClassName("trb_article_leadart")[0]; if (assetGallery) { assetGallery.style.cssText = "display: none;"; } var assetGallery = document.querySelectorAll("[src='https://d372qxeqh8y72i.cloudfront.net/b5a7d2c3-39d4-4e11-b1c3-24c7e6990369_web.jpg']")[0]; if (assetGallery) { assetGallery.style.cssText = "display: none;"; } } function fixVideoPoster() { var videoPlayer = document.getElementById("bptVideoPlayer"); var videoPoster = document.getElementById("bptVideoPoster"); fixVideoPosterPosition(videoPlayer, videoPoster, true); window.onresize = function() { fixVideoPosterPosition(videoPlayer, videoPoster); }; videoPoster.onclick = function() { videoPlayer.play(); videoPoster.style.display = "none"; }; videoPlayer.onplay = function() { videoPoster.style.display = "none"; }; } function fixVideoPosterPosition(videoPlayer, videoPoster, display) { setTimeout(function () { var videoPosition = videoPlayer.getBoundingClientRect(); videoPoster.style.position = "absolute"; videoPoster.style.top = "0"; videoPoster.style.left = "0"; videoPoster.style.width = videoPlayer.offsetWidth + "px"; videoPoster.style.height = (videoPlayer.offsetHeight + 20) + "px"; if (display) { videoPoster.style.display = "inline"; } }, 1010); } (BPT) - It's a Thursday evening at home, and all you want to do is relax with your family. However, the mental list of possible to-dos stops you from being fully present with your loved ones. Questions like, "Which clothes need washing?" "Is the bedroom too warm?" "What can everyone agree to watch?" "Did that jacket get cleaned in time for tomorrow?" crowd your mind and interrupt your pleasant quality time.None of these questions on their own are insurmountable, but the collective mental load of remembering, deciding and anticipating what comes next can be draining and distracting, stealing time from what really matters. In fact, according to a survey commissioned by LG Electronics, on average, people experience 27 interruptions during their waking hours that add to their mental load and spend the equivalent of 87 days a year burdened by them.The good news is that household technology has advanced to the point that it can help lighten the load and give you your time, energy and attention back. Check out these smart, tech-enabled household appliances that can quietly handle routine chores, so you can spend less time managing your life and more time living it with those you care about most.Let the laundry unit make a few decisionsMaking decision after decision is mentally taxing, especially when it comes to laundry. But what if you could hand over the responsibility of choosing settings for every single load of clothing to someone — or something — else?With the LG AI WashTower, you won't have to worry about laundry guesswork. The washer/dryer combo uses AI technology to detect the optimal wash and dry settings for your clothing. All you have to do is put the clothes in, switch the load from the washer to the dryer, and sit down to watch a favorite show or movie with the kids.Spend less time searching, more time watchingSpeaking of TV watching, it's incredible how much time it can take to find exactly what you want to watch when there are so many options. Whether you're choosing entertainment for yourself or trying to get everyone to agree on what to watch, it's the endless options that can make even downtime feel like work.With the LG OLED evo AI TV lineup, you can spend less time scrolling and more time watching. Powered by Google Gemini and LG's Smart TV platform with webOS 25, the TVs deliver personalized recommendations on a customized screen, suggest what to watch next, and adjust picture and sound to match individual preferences. Now you can sit back, scroll through a curated list and get down to business catching up on the latest episode or the newest film release.Refresh what you wear without another washPractically everyone has a pile of clothing that is worn but not quite ready for the wash. Instead of wondering how soon you'll need to wash or touch it up before a big presentation or school picture day, you can simplify the routine with the LG Styler.This intelligent steam closet sanitizes, refreshes and deodorizes your favorite garments and hard-to-wash items. Its touchscreen display remembers and prioritizes the most frequently used cycles and options. All you need to do is hang it, turn the closet on and rest easy knowing your favorite jacket will be ready when you need it.Make the mental clutter fade awayIf you could take back your mental energy and task-management time, what would you do with it? That question is at the heart of LG's Life's Good campaign. Its line of AI and smart-tech products helps free up your mind so you can make room for a leisurely dinner, a fun family movie night, a spontaneous evening walk or simply a quiet evening. To learn more about the campaign, visit LG.com/LifesGood.Survey methodology: Fieldwork: Conducted April 24–28, 2026 via Focaldata. Countries: US, UK and Australia. Age: 18–64. Sample size: 3,165 respondents (a minimum of 1,000 per market), nationally representative by age, gender and regionNote: Survey results reflect respondents' perceptions and do not constitute clinical or scientific evidence of health benefits.
	10 best cities to rent rather than own a house in 2026 Affordability issues can be found across goods and services, and Americans have been hit especially hard with rising housing prices in recent years. According to the Urban Institute, the average sales price for a home is $486,000 in the U.S., while the average monthly rent is $1,890. But the real story behind those numbers depends on where you live, how much you make, and how the cost of buying compares to renting.With that in mind, TheZebra.com looked at the 50 most populous American cities to find which are better for renting than buying. The researchers analyzed three main data points:Price-to-rent ratio: This takes the median home value and divides it by the median annualized rent for a two-bedroom home. The higher the ratio, the more cost-effective it is to rent than to buy.Price of rent compared to median income: This identifies cities where rent accounts for a lower portion of income, making it easier to afford other expenses. Home price-to-income ratio: This reveals the cities where home prices are highest relative to income.Read on to discover the top cities for affordable renting and see if you recognize your own hometown or other favorite places.1. Salt Lake CitySalt Lake City comes in as the top city in which to rent, largely due to its high price-to-rent ratio. That means home prices are significantly higher than rent prices, with median sales at $601,000. Plus, the average annual rent of $17,244 is low compared to the city's median household income of $104,059.Salt Lake City by the numbersPrice-to-rent ratio: 34.86Price of rent compared to median income: 16.57%Home price to income ratio: 7.72. DenverDenver's climbing home prices have also soared past rental rates. The median home price is over $668,000, which is fairly high compared to the city's $112,231 median income. Rent, on the other hand, is more affordable and the average price accounts for just under 17% of income. Denver by the numbersPrice-to-rent ratio: 35.35Price of rent compared to median income: 16.89%Home price to income ratio: 5.93. Austin, TexasAustin stands out on the list with one of the lowest rental rates compared to income. Annualized rent takes up just over 16% of the median household income, which is $101,583. That six-figure salary doesn't go as far when buying a place, since the median sales price is $485,400.Austin by the numbersPrice-to-rent ratio: 29.66Price of rent compared to median income: 16.11%Home price to income ratio: 5.7 4. Portland, OregonPortland's price-to-rent ratio is one of the highest on the list, emphasizing the affordability of rental prices compared to home sales. Rent averages $18,600 per year, while the median home sales price is over $611,000. Plus, the home price-to-income ratio is fairly high at 6.2.Portland by the numbersPrice-to-rent ratio: 32.85Price of rent compared to median income: 17.84%Home price to income ratio: 6.25. Las VegasThe price-to-rent ratio in Las Vegas reveals a higher home-buying cost compared to renting. The median home price is just over $486,000, while the average rent for a two-bedroom apartment is just over $16,000 annually.Las Vegas by the numbersPrice-to-rent ratio: 30.02Price of rent compared to median income: 19.32%Home price to income ratio: 5.86. Raleigh, North CarolinaRaleigh is a great place for renting because the annualized average rent of $17,268 only accounts for about 16% of the median household income ($107,446). The price-to-rent ratio of 27% is also on the higher end, indicating a larger gap between home prices ($466,700) and rental rates. Raleigh by the numbersPrice-to-rent ratio: 27.03Price of rent compared to median income: 16.07%Home price to income ratio: 57. Phoenix (tied)The price-to-rent ratio in Phoenix is nearly 29%, thanks to a high home sales price of $477,700 relative to annual rent prices of $16,488. The rent-to-income ratio in the city is also quite competitive at 17.57%.Phoenix by the numbersPrice-to-rent ratio: 28.97Price of rent compared to median income: 17.57%Home price to income ratio: 5.27. San Jose, California (tied)San Jose ties with Phoenix and appears on the list largely because of the stark difference between housing prices and rental rates. The median home sales price is nearly $2.1 million, compared to an annualized rental rate of just under $50,000. Unsurprisingly, the city's home price-to-income ratio is also one of the highest, making it more appealing to rent for many residents.San Jose by the numbersPrice-to-rent ratio: 41.11Price of rent compared to median income: 28.42%Home price to income ratio: 11 9. Columbus, OhioColumbus has one of the lowest home prices in the top 10 ($363,100), but rental prices are even lower, averaging $12,624 per year. That helps Columbus rank in the number one spot when it comes to comparing rent to median income, which is just 14.46%. Columbus by the numbersPrice-to-rent ratio: 28.76Price of rent compared to median income: 14.46%Home price to income ratio: 3.910. Richmond, VirginiaRichmond home prices have jumped to a median of more than $460,000, widening the gap between buying and renting. The average rental price for a year is $16,320. That is a little pricey compared to income, however, accounting for just under 20% of annual earnings. Richmond by the numbersPrice-to-rent ratio: 28.21Price of rent compared to median income: 19.51%Home price to income ratio: 5.410 Cities Where It's Better to BuyHere are ten cities where home prices may be more affordable than rental prices. Although these aren't necessarily budget locations, the numbers make buying more cost-effective than renting at current prices.Birmingham, AlabamaClevelandDetroitBuffalo, New YorkIndianapolisSt. LouisPhiladelphiaDallas and Providence, Rhode Island (tied)New York CityInsurance Tips the Scales, TooRent vs. buy math often stops at the mortgage payment, but that's only part of the bigger picture when it comes to buying a home. According to The Zebra's 2026 State of Insurance report, the average homeowner now pays $2,966 a year for home insurance, a cost that's trending upward alongside rising building material costs and severe weather risk.Notably, none of the cities from the list above land among the priciest states for home insurance (a list topped by Florida, Oklahoma, Mississippi, Louisiana and Nebraska). That's one more reason these markets tend to favor buyers: Less disaster exposure generally means less risk of insurance eating into the savings a lower home price already offers. MethodologyThe Zebra used three data points to analyze the top 50 metropolitan statistical areas (MSAs) by population related to rental price, home prices, and income. Price-to-rent ratio (National Association of Realtors and Rent.com)Price of rent compared to median income: (Census Bureau and Rent.com)Home price to income ratio: (ConstructionCoverage.com)This story was produced by TheZebra.com and reviewed and distributed by Stacker.
	In-house vs. agency marketing for PE-backed multibrand companies In-house vs. agency marketing for PE-backed multi-brand companies comes down to three real options: an in-house team, one centralized agency, or multiple specialist agencies. The model depends on the expertise required, the number of brands and markets, how much local flexibility each brand needs, execution speed, reporting complexity, and how much centralized oversight leadership wants, WebFX reports. WebFX Many companies eventually land somewhere between these three, but the three structures are what actually determine where capabilities should live. Framing this as in-house vs. agency marketing alone misses the real question, which is which model gives the organization the right balance of control, expertise, speed, and visibility across the portfolio, beyond which one can simply execute marketing.Model 1: Build marketing in-houseAn in-house model means hiring internal specialists to handle strategy, SEO, paid media, content, CRO, email, analytics, and marketing operations. Some companies structure this as one centralized team supporting multiple brands. Others build separate marketing teams inside each portfolio company.Advantages of in-house marketingDeep business knowledge. Internal teams build a strong understanding of the products, customers, sales process, and brand history over time.Direct control. Leadership manages priorities, hiring, budget, and process directly, without a vendor relationship in between.Institutional knowledge stays inside the business. What the team learns accumulates internally instead of leaving with an external partner.Challenges of in-house marketing for multi-brand companiesBuilding every specialization internally is expensive. A real digital marketing program needs expertise across SEO, PPC, AI search, CRO, analytics, email, creative, and data attribution. One generalist marketer isn’t equivalent to that whole function.Hiring may not keep pace with acquisition growth. If the platform adds a third brand, a fifth brand, or 30 new locations, the internal team needs to expand just as fast, which takes months most PE timelines don’t have.Brand-level teams can recreate the exact silos a platform is trying to avoid. One portfolio company runs its own reporting system, another uses a different KPI structure, and a third has different tools entirely. Leadership ends up with several internal teams and still no centralized visibility.Expertise becomes a bottleneck. If the one SEO lead or paid-media specialist leaves, that capability can disappear with them.Model 2: Use one centralized marketing agencyIn this model, one agency supports multiple portfolio companies, brands, and locations, while leadership keeps centralized oversight over performance.Advantages of a single-agency modelCentralized accountability. Leadership knows who owns marketing performance, rather than coordinating several vendors to find out.Shared expertise without hiring each capability internally. One partner can provide SEO, PPC, content, CRO, analytics, and AI search specialists without the company building each function from scratch.Faster cross-brand learning. A strategy that works for one brand can transfer to the next one, instead of getting rediscovered independently. The fifth acquisition shouldn’t require relearning what the first four already taught the organization.Centralized technology and reporting. One partner can help create consistent KPI definitions, attribution, and CRM integration across brands, giving leadership one place to compare company, brand, location, and channel performance against revenue.Easier acquisition onboarding. A new company can plug into an existing reporting structure and channel playbook instead of starting over.Challenges of a single-agency modelThe agency needs enough actual depth. A centralized agency that can’t support specialized channels, different industries, or complex data becomes the bottleneck it was supposed to solve.Centralization can slide into one-size-fits-all. The agency needs to standardize infrastructure without standardizing every brand’s strategy.Greater dependency on one partner. If the relationship breaks down, more of the organization’s marketing capability is affected at once than it would be with a single vendor swap.The strongest single-agency model provides centralized infrastructure, specialized expertise, and brand-level flexibility together, avoiding one strategy copied across every company.Model 3: Use multiple marketing agenciesDifferent agencies can split responsibility by brand, by channel, by market, or by specialty, with each partner focused on a narrower slice of the portfolio.Advantages of a multi-agency modelAccess to specialized expertise. A brand can choose the agency with the deepest experience in its specific vertical, channel, or local market.Flexibility. Individual brands choose partners based on their own needs rather than a portfolio-wide default.Strong incumbent relationships can stay intact. An acquisition isn’t automatically a reason to replace an agency that’s already producing results for that brand.Challenges of a multi-agency modelReporting becomes fragmented fast. One agency reports leads, another reports traffic, a third reports ROAS, and a fourth brand uses entirely different attribution. Leadership can’t meaningfully compare performance across any of it.No one owns the full customer journey. One agency manages SEO, another manages paid, the internal team runs email, and sales owns the CRM. The result is a lot of owners and no single owner of revenue performance.Technology gets duplicated. Each agency can bring its own reporting software, call tracking, and dashboards, creating tool sprawl across the portfolio.Cross-brand learning slows down. An insight one agency discovers may never reach another agency, another brand, or another location.Leadership becomes the integrator. Someone internally has to coordinate agencies, reconcile reporting, resolve overlap, and align priorities across every vendor relationship, which is real coordination work that doesn’t show up in any single retainer.A multi-agency model can produce excellent execution inside individual silos while quietly increasing the coordination cost of the system as a whole.In-house vs. single agency vs. multi-agency: Side-by-side comparisonTen factors matter most for a PE-backed multi-brand company, and they don’t all point the same direction. WebFX No model wins across every row. The single agency vs. multiple agencies comparison in particular comes down to how much coordination cost the organization is willing to trade for specialized depth. Use this table to identify which tradeoffs matter most against the company’s actual value-creation plan, rather than to find a universal answer.What each model actually costsThe honest comparison goes beyond salary against agency retainer, toward total cost of ownership: People, plus agencies, plus technology, plus media, plus the internal coordination time each model requires.An in-house team’s real cost includes salaries, benefits, recruiting, management time, software, training, and turnover, beyond a base salary figure. A single agency’s cost includes the retainer and media spend, but can require less internal management overhead since one partner owns more of the execution. A multi-agency model adds multiple retainers, duplicate technology, and the internal coordination and reporting reconciliation someone has to own across every vendor.The cheapest model on paper may not be the cheapest model in practice once coordination time and duplicate tools get counted.Scaling through acquisitionsWhat happens when the next acquisition closesAn in-house team has to audit the new brand’s marketing, integrate its reporting, and take on execution, all while the rest of the portfolio keeps running. Internal capacity is usually the real constraint here, more than willingness.A single agency can often bring a new acquisition into an existing reporting framework, technology layer, and specialist team, which usually means a shorter ramp than building that infrastructure from nothing.A multi-agency model forces a decision every time: Keep the incumbent, replace them, or add another vendor, and figure out how their reporting integrates with everyone else’s. Each acquisition can add another layer of vendor complexity rather than plugging into one that already exists.The strongest marketing operating model gets easier to scale as acquisitions increase, instead of more complicated.Should you replace the agencies you inherit?Not automatically. A simple framework works better than a binary keep-or-fire decision:Keep: The current agency performs well and aligns with the future strategy.Expand: The agency has capabilities worth scaling further.Supplement: Strong in some areas, but missing specific capabilities elsewhere.Consolidate: Moving the work to a centralized partner outweighs the transition risk.Replace: Performance, transparency, expertise, or scalability doesn’t hold up.Agency consolidation should be driven by performance and operating leverage, above organizational tidiness.That same evaluation carries into a broader post-acquisition marketing integration, where inherited agencies, technology, reporting, and assets all need to be assessed before consolidation decisions are made.What to centralize regardless of which model you chooseEven when execution stays decentralized, a few things benefit from centralizing no matter which model the company picks: KPI definitions, revenue attribution methodology, marketing reporting, CRM and data standards, brand governance, and agency evaluation.Centralized measurement also makes it easier to allocate marketing budget across brands and locations using comparable performance, revenue, and capacity data, rather than treating every market the same.Keep these flexible instead: Channel mix, creative, messaging, local search, budget allocation by market, and brand-specific content.Centralize the operating system while leaving individual marketing decisions inside it flexible. That principle holds whether the company ends up in-house, on one agency, or spread across several, and it’s really the centralized vs. decentralized marketing question underneath the whole decision.Choose the right marketing modelEvaluate six dimensions before deciding: complexity (how many brands, locations, markets, and CRMs), capability (what expertise already exists and where the gaps are), speed (how fast the business needs to grow or integrate acquisitions), control (how much ownership leadership wants internally), visibility (can leadership currently compare brands, channels, and revenue), and scale (will this model still work after 10 acquisitions or 100 locations). Underneath all six is really one centralized vs. decentralized marketing question: How much should live in one place, and how much should stay local.Use these questions to see which model the answers point toward: WebFX This isn’t a quiz where one checkmark decides the answer. Use it to see where the strongest fit actually lies once every dimension is weighed together.What about a hybrid model?Many PE-backed organizations may eventually land on some version of a hybrid. A common split: The internal team owns brand strategy, sales alignment, and budget decisions. A central agency owns SEO, PPC, CRO, analytics, and technology.Specialist partners cover PR, niche creative, or local market needs the central agency doesn’t.Hybrid works well when ownership is explicit. It breaks down when responsibilities overlap, KPIs differ by team, vendors don’t share data, and nobody owns overall performance. If you’re building a hybrid, treat it as a deliberate combination of the three models above, rather than a way to avoid choosing.This story was produced by WebFX and reviewed and distributed by Stacker.
	AWD vs. 4WD: What's the difference? Here’s everything you need to know about all-wheel drive and four-wheel drive, including what makes them different, how each one handles snow and off-road conditions, and exactly which one you should choose. Key Takeaways: What AWD Is Best At AWD works automatically to balance traction and fuel economy, making it ideal for paved roads and light snow or dirt. What 4WD Is Designed For 4WD splits power evenly to all wheels using a transfer case, excelling in off-road driving, deep snow, and towing. AWD vs. 4WD in Daily Driving AWD is easier to use and more efficient for everyday driving, while 4WD should be used mainly at low speeds. How to Choose the Right System Choose AWD for mostly on-road driving and winter weather; choose 4WD for heavy off-roading or frequent towing. If you live somewhere with a lot of rain or snow, or if you want to drive off-road, you’re probably considering an all-wheel drive (AWD) or four-wheel drive (4WD or 4x4) vehicle. Both have an advantage over two-wheel drive vehicles in wintry conditions or on dirt because both send power from the engine to all four wheels. You may even see both terms used interchangeably, but there are important distinctions you need to understand before you buy a 4WD or AWD vehicle. Here’s how AWD and 4WD actually work—and a clear decision guide from CarMax to help you pick the right one. What is AWD?Most all-wheel drive (AWD) systems let your vehicle automatically decide when to drive all four wheels. They’re adaptable, balancing fuel economy and traction without the driver having to think about it. AWD highlightsThinks for itself, so you can focus on driving Balances fuel economy and extra traction Designed for paved roads but can handle some light-duty off-roading Available on a wide selection of cars, crossovers, and SUVs How does all-wheel drive work?You’ll find all-wheel drive on a wide selection of cars and SUVs. All-wheel drive connects your vehicle's engines to the front and rear wheels, but most AWD cars and SUVs can change how much power goes to the front or back wheels, and can even disconnect power from one axle entirely. This is called “part-time all-wheel drive,” and it’s the most common type of AWD. Most mainstream small and medium SUVs, like the Honda CR-V and Toyota Highlander, primarily send power to their front wheels. When they’re equipped with AWD, they use sensors to detect whether the front wheels are slipping and engage all-wheel drive to compensate. All you have to do is drive, and let the car handle the rest. This makes life easy for the driver and lets the vehicle run more efficiently. Check out this list of AWD cars with great mpg for the most efficient AWD options. Because part-time AWD systems still send most of their power to the front wheels, they’re limited in how much they can help in extreme conditions. Other types of all-wheel driveSome vehicles use “full-time all-wheel drive.” Just like the name suggests, full-time AWD always sends power to both the front and rear wheels. While these systems never turn off, they can still vary how much power goes to the front or rear if the wheels start to slip. The advantage of full-time AWD is that there’s no delay in shifting power when you need it, and the power balance is more even than in most part-time AWD vehicles. The trade-off is lower fuel efficiency. According to the U.S. Department of Energy, AWD and 4WD systems typically reduce fuel economy by 1-2 mpg compared to two-wheel drive versions of the same vehicle. The same DOE data shows that AWD and 4WD combined accounted for 59% of new light-duty vehicles produced in 2022, making all-wheel drive the most common drivetrain choice in the U.S. Some AWD hybrid cars operate like traditional AWD vehicles, while some use a dedicated electric motor to drive the rear wheels. You’ll also find performance cars and luxury cars that use AWD, along with modern driver assistance features, to improve handling around corners rather than for inclement weather. What is 4WD?Most four-wheel drive (4WD or 4x4) vehicles link the front and rear wheels together using a transfer case, splitting power evenly between them. They’re tough, but more limited in their usefulness on paved roads. 4WD highlightsTough, built to handle more extreme conditions Extra useful when driving off-road Found on vehicles with higher towing capacities Mostly available on larger SUVs and trucks How 4WD worksKey to how a 4x4 works is a piece of equipment called a transfer case. This connects the vehicle's front and rear wheels, splitting the engine’s power evenly between them and making both axles turn at the same speed. That gives 4WD vehicles an advantage off-road or when getting out of a slippery spot, where they can power through even if multiple wheels lose traction. Most 4WD vehicles have a switch that lets you toggle between driving all four wheels or just two (2WD). This matters: as Ford, Toyota, and other manufacturers note in their owner’s manuals, driving in 4WD mode on dry pavement at highway speeds can cause premature drivetrain wear or vehicle damage. Check your owner’s manual, but most manufacturers recommend using 4WD only in slippery conditions, at low speeds, or off-road. Some newer 4WD trucks have an automatic mode that lets the vehicle decide when to switch. But even these systems will only kick in at lower speeds. Other types of 4WDFull-time 4WD is an always-on system that works on-road and at any speed, because it has additional components that let the front and rear wheels vary their speed independently. That makes it more useful on pavement, but it impacts overall fuel efficiency. Trucks and other 4x4s built for serious off-road use often come with additional equipment to keep all four wheels turning in the toughest conditions. These include locking differentials and low-range transfer cases, which are manually controlled by the driver and only meant for off-road use. AWD vs. 4WD: Side-by-side comparison CarMax Is AWD or 4WD better for you?Here’s how to decide: Choose AWD if you: Drive mostly on paved roads Live somewhere with regular snow that gets plowed Want a car, crossover, or mid-size SUV Prefer a system that manages itself without driver input Choose 4WD if you: Regularly drive off-road (mud, rocks, steep inclines) Need to tow heavy trailers or haul large loads Drive in deep snow or on unplowed rural roads Want a larger truck or full-size SUV Keep in mind that AWD typically adds $1,500 or more to a vehicle’s purchase price, according to Cars.com. What is the difference between AWD and 4WD?Both AWD and 4WD send power from your engine to all four wheels to maximize traction. AWD uses a variable connection that your vehicle adjusts on the fly, at any speed, to shift power where it’s needed. 4WD connects your front and rear wheels through a transfer case that splits power evenly, and it's designed for lower speeds and challenging terrain.Many variants blur the line between AWD and 4WD, and you’ll often see car manufacturers using the terms interchangeably. Some advanced 4x4s have extra equipment that makes them behave more like AWD systems, while some AWD vehicles offer terrain-specific driving modes that give them capability closer to a 4x4.In general, AWD is for on-road driving and light off-road use. Four-wheel drive is for serious off-road conditions and for helping bigger, heavier vehicles handle tough situations. Which is better in snow, AWD or 4WD?According to Michelin, Bridgestone, and other leading tire manufacturers, having the right winter or snow tires is the single most important factor for driving in snow. If you’ve got the right tires, AWD vehicles are perfectly capable of handling snow.If you live where roads are regularly plowed and gritted, AWD gives you more flexibility than 4WD. If roads aren’t plowed and snow gets deep, AWD vehicles without enough ground clearance will struggle.4WD is ideal for pulling away from a slippery spot, driving at lower speeds on snow-covered roads, or tackling deeper snow where the added ground clearance on many 4x4s helps.Which is better off-road, AWD or 4WD?4WD vehicles, especially those fitted with a low-range transfer case and locking differentials, really shine off-road. You should choose a 4WD vehicle if you want to tackle mud, rocks, and steep inclines with confidence. Some AWD cars offer selectable terrain modes and off-road hardware, but most AWD cars and SUVs are built primarily for pavement. Having the right tires matters here, too: You’re more likely to find off-road-ready tires installed from the factory on a 4x4 than on an AWD vehicle. Popular AWD vehiclesBased on CarMax sales data, here are the most popular AWD vehicles. Nissan Rogue The Nissan Rogue is a popular choice for its comfortable interior, generous cargo space, and available part-time AWD. It also offers a continuously variable transmission option. Honda CR-V The Honda CR-V stands out for practicality—its cargo area expands to class-leading size when you fold down the rear seats. It’s available with front-wheel drive or part-time AWD, and hybrid CR-V models come with AWD standard. Subaru Outback The Subaru Outback splits the difference between a station wagon and an SUV, with a comfortable ride and higher ground clearance than some trucks. All Outback models come with full-time AWD standard. Toyota HighlanderThe Toyota Highlander is a midsize three-row SUV built for families. Both its V6 and available hybrid powertrain can be equipped with front-wheel drive or part-time AWD.  Popular 4WD vehiclesBased on CarMax sales data, here are the most popular 4WD vehicles. Jeep WranglerThe Jeep Wrangler is essentially synonymous with off-road capability. In the Wrangler Rubicon trim, very few vehicles can match its go-anywhere ability. Since 2011, 4WD has been standard on all Wranglers. Most Wranglers use a standard 4WD system, with full-time 4WD available on select trims. Ford F-150 Ford’s full-size F-150 pickup offers a wide range of trim levels and configurations for nearly any job or lifestyle. 4WD is available, with multiple off-road packages depending on how much capability you need, up to the high-performance F-150 Raptor. Ram 1500 The full-size Ram 1500 delivers a comfortable ride without sacrificing towing muscle. It’s available with rear-wheel drive or 4WD, with various off-road upgrades for added capability. Toyota Tacoma The Toyota Tacoma has defined the midsize truck market for years, earning a reputation for off-road capability through trims like the TRD Off-Road and TRD Pro. It’s available with rear-wheel drive or 4WD. FAQWhat does AWD mean? AWD stands for all-wheel drive, the name for a system that allows a car, truck, or SUV to send power to all four wheels when it’s needed.What is AWD? AWD is a system that allows a vehicle to drive all four wheels to compensate for a loss of traction. It’s usually controlled automatically by the vehicle and can disconnect to improve fuel efficiency. What does 4WD mean? 4WD stands for four-wheel drive, the name for a system that links a truck or SUV’s front and rear wheels using a transfer case. What is 4WD? 4WD is a system that splits engine power between the front and rear wheels of a truck or SUV. It’s usually controlled by the driver and intended for low-speed and off-road use. Is 4x4 the same as 4WD? Yes, 4x4 (said, “four-by-four”) is another way to refer to a four-wheel drive vehicle. Is AWD the same as 4WD? No. Both AWD and 4WD send power from the engine to all four wheels, but they operate differently and are designed for different situations. What is the difference between AWD and 4WD? AWD is more useful on paved roads or for light off-roading, while 4WD has greater off-road capability but limited usability on paved roads. Which is better, AWD or 4WD? You should choose AWD if you primarily drive on paved roads and roads that are plowed in the winter. Choose 4WD if you do more serious off-roading, especially if you deal with mud or larger rocks, or need higher towing capacity. Does AWD affect fuel economy? Yes. According to the U.S. Department of Energy, AWD and 4WD systems typically reduce fuel economy by 1-2 mpg compared to two-wheel drive versions of the same vehicle. Part-time AWD systems minimize this impact by disconnecting when not needed. See fueleconomy.gov for more details. Updated by Scott WilsonThis story was produced by CarMax and reviewed and distributed by Stacker.
	Rock Island man accused of armed robbery at Davenport KwikStar Evans-Whitfield is being held in the Scott County Jail without bond. He has a preliminary hearing on Oct. 20.
	How to avoid a SIM swap scam You’ve probably deleted a shady text message or two without a second thought, and blocking spam email from strangers feels second nature by now. But would you recognize the signs of a SIM swap scam? Also called SIM hijacking, this form of account takeover is more common than ever. The scale isn’t small, either. In 2025, authorities charged a cybercrime ring with stealing more than $800,000 in cryptocurrency from victims through SIM swapping. “Customers have become more mindful with what they’re clicking, where they’re going online, and who they’re speaking to, but it’s the small things that may seem harmless, such as your phone suddenly losing a signal,” says Roxane Adams, fraud expert at Forbright Bank. “If your security is not top of mind, then you’re vulnerable.”  When you understand how the scam works and what you can do to stop it, you’re in a stronger position to protect your phone number and the money tied to it.  There’s a lot you can do to lower your risk. Forbright Bank shares what to know. What Is a SIM Swap Scam?  In a SIM swap scam, a criminal tricks your mobile carrier into moving your phone number onto a SIM card they control. Once that happens, they can receive your calls and texts, including the security codes meant to verify your identity.  Not every SIM swap is fraud. You go through a legitimate version any time you switch phones or request a replacement SIM yourself. The fraudulent version looks different: an attacker armed with your stolen personal details poses as you and convinces the carrier to hand your number to them. From that point, they’re positioned to reset your passwords, capture verification codes, and take over your accounts one by one.  What Is a SIM, Exactly?  Your SIM is the small chip inside your phone that phone carriers use to confirm your identity and route your calls, texts, and data to the right device. Consider it the anchor of your mobile identity, since it’s what links your number to things like SMS two-factor codes and account-recovery processes. That’s exactly why criminals go after it, because whoever controls the SIM controls the gateway to a lot of your sensitive accounts — even those with additional security protection.Newer eSIM technology is more secure since it’s built directly into the phone rather than on a removable card that can be physically swapped. Even so, an eSIM is still tied to your phone number, so it isn’t immune to the digital version of this attack. How Does a SIM Swap Attack Happen?  The scam relies on gaps in how carriers verify who’s on the other end of the line. It typically plays out in four stages.  First, the criminal gathers your personal details, often through phishing emails, oversharing on social media, or straightforward social engineering. “It’s easier than ever to find personal information online, such as birthdays, previous addresses, and Social Security numbers,” Adams says. “The data is there and the fraudsters are leveraging that.”  Next, they call your mobile carrier pretending to be you.  Then they ask the carrier to move your number to a new SIM, often claiming your phone was lost or damaged. Finally, with your number in hand, they intercept the one-time codes sent by text, reset your account passwords, and work their way into whatever systems those accounts protect. Why a SIM Swap Scam Can Be Costly  SIM swapping causes so much harm because it defeats SMS-based two-factor authentication, one of the most widely used security tools out there. Once an attacker owns your number, they can:  Drain bank accounts by intercepting the verification texts needed to approve transfers. Empty crypto wallets by resetting logins tied to your number. Lock you out of email and cloud storage while quietly pulling your personal or business data. Open new credit lines or otherwise impersonate you using the accounts they’ve already taken over. How to Protect Yourself  from a SIM Swap Scam Phone carriers are improving their defenses, but you shouldn’t count on that alone. A handful of habits can reduce your risk:Use multi-factor authentication to access your apps when available, especially those with financial information.  Ask your carrier for a PIN or port-lock on your account. Most carriers let you require a separate code before any transfer request goes through, which adds a barrier for anyone trying to impersonate you. Turn on SIM protection through your phone carrier. This feature, free of charge, locks your SIM in place so no transfer request can go through until you unlock it yourself. Be conservative with sharing personal details online. Attackers build convincing impersonations out of publicly available information, so the less you post about your phone number, birthday, or address, the harder you are to imitate. Give every account its own strong password. Reusing passwords, or using close variations across accounts, means one breach can cascade into several. A password manager makes this easier to maintain. Keep an eye on your accounts. Turn on login alerts where you can and check in periodically for anything that looks off. Identity-monitoring services can also flag you if your information turns up in a breach or on the dark web. Treat unexpected contact with suspicion. Legitimate banks will never call or text you asking for a password, PIN, Social Security number, or payment. If something feels off, hang up and call the institution back using a number you already know is legitimate—don’t use a callback number a caller gives you. And never hand over personal information to an unsolicited call, email, or text. Signs You May Have Been SIM Swapped  The sooner you catch it, the less damage it does. If your phone suddenly loses a signal, with calls and texts no longer coming through, that’s a warning sign.  Also watch for login notifications or password-reset emails for accounts you didn’t touch, or a message from your carrier about a SIM activation or number transfer you never requested. If you’re locked out of your email, social media, or banking apps without warning, you may have been a victim of a SIM swap scam.  What to Do If It Happens to You  If you think you’ve been SIM swapped, speed matters more than almost anything else. Follow these steps as quickly as you can, Adams says.  Get your number back first. Call your carrier right away, explain that you’ve been targeted, and ask specifically for the fraud department—they’re equipped to handle this and can usually restore your number to a SIM you control. Lock down every account that may be exposed. Start with financial institutions and email, resetting passwords as soon as your number is back. Check your email provider’s sign-in activity for logins from unfamiliar devices, and going forward, refresh your passwords periodically and glance at your credit report for accounts or inquiries you don’t recognize. Report it. In the U.S., you can file a report with both the Federal Communications Commission (FCC) and the Federal Trade Commission (FTC). Beyond helping your own case, it gives investigators data they can use to track patterns across other attacks. This story was produced by Forbright Bank and reviewed and distributed by Stacker.
	Searching for your next home? Now you can see nearby childcare options Prospective home buyers are often experiencing transition in their personal lives. Perhaps a wedding — or divorce — is on the horizon. Maybe their kids have grown up and moved out, or their financial circumstances have changed.In many cases, though, people are looking to move because they want to start or grow their families, Daryl Fairweather, chief economist at Redfin, a real estate brokerage, told The 74 — making the matter of childcare particularly relevant to their search.With housing and childcare accounting for many families’ two biggest expenses — an intersection that Redfin explores in a new report — leaders at Redfin have been looking for a way to bring childcare into their own platform for some time.Now, they’re debuting a new feature, in partnership with Winnie, a national online childcare marketplace, that gives families visibility into nearby early care and education programs right there on the property listing they’re viewing.“Searching for a home often coincides with having a child,” said Fairweather. “If you’re trying to do the calculation on how much house you can afford, it’s helpful to know what your childcare options are before committing to that mortgage.”Winnie’s childcare data from more than 250,000 licensed early care and education programs nationwide is available on every for-sale property listing on Redfin’s mobile and desktop websites. The integration became available on Redfin’s mobile application for iOS and Android at the end of September, said Isabelle Novak, a spokesperson for the real estate company.The childcare feature will live right alongside the K-12 feature from GreatSchools — a nonprofit that rates schools — that has been available on Redfin for over a decade, Novak added. Prospective buyers, scrolling down a property listing, will see a “K-12” option and a “Preschool & daycare” option. Courtesy of Redfin The “Preschool & daycare” feature pulls the Winnie profiles of nearby providers — including licensed center-, home- and school-based early childhood programs — displaying up to five options along with the ages each program serves and its distance from the home. A buyer can click the name of a previewed program to see a pop-up that offers more details, including a provider’s website URL, hours of operation, description, address, options for financial assistance, language and any parent reviews that have been published to Winnie.For further information, buyers can click through to the provider’s profile on the Winnie website, which may have information like available slots and tuition rates, said Sara Mauskopf, CEO and co-founder of Winnie. Winnie pulls from public state licensing databases to create provider profiles on its site, Mauskopf said. From there, providers can update their pages with additional information. About a quarter of the 250,000 provider pages on Winnie have been claimed, Mauskopf added, and providers who are active on the Winnie platform will frequently update the number and type of open spaces they have in their program, since it can change “day-to-day.”Mauskopf believes this partnership will be very valuable to young families for whom “childcare is a necessity, not a nice-to-have,” she said.“I think it’s really critical for families to be thinking about childcare upfront and not as an afterthought,” she said.Mauskopf, a mom of three, recalled that when she and her husband were trying to find a home in their area, their focus was on home prices, not care options. After they’d moved, they ended up “scrambling at the last minute to secure childcare,” even having to consider whether one of them would need to step away from work until they could find childcare for their kids.That’s as important for families moving to quiet rural areas as it is for those in large metro areas, she said. They will want to know if they have many options or few, and if those are within walking distance or require a drive.“One of the things we know is true is that there are sometimes areas where there is no childcare nearby — childcare deserts,” Mauskopf said, referencing a term often used to describe areas that lack access to licensed programs. “Those might actually be affordable places to live,” she added, but if care is sparse or unavailable, that could be a dealbreaker for some families. The new feature can help families see whether there are care options near the home they’re eyeing.Indeed, Novak at Redfin said that the childcare integration will only show providers within a 10-mile radius of the address. If there are none, a message will appear noting that no programs were found within that distance of the home.One detail that many families will be seeking is the cost of childcare in a given area. Unfortunately, Mauskopf said, a lot of early care and education programs still require families to tour the space before sharing prices, “which is crazy,” she said. “It’s unlike any market.”That may soon change, though. She has recently begun to notice a shift in the industry, in which providers are starting to post tuition information publicly — a change likely driven by the fact that families are asking AI about program rates, she noted.“A lot of providers, for the first time, are willing to list prices online, since AI will just give you an answer anyway,” Mauskopf said.A majority of programs are still requiring parents to come in first, she said, but there’s increasing willingness to share costs upfront. She hopes that shift will continue and can soon be reflected in the Redfin integration so families can have a complete picture of their costs before making a move.This story was produced by The 74 and reviewed and distributed by Stacker.

Tuesday, October 13th, 2026

Monday, October 12th, 2026