Thursday, July 16th, 2026 | |
| Four states linked to cyclosporiasis outbreak, CDC warns more could be involvedThe cause remains under investigation. |
| The band playing when a Bangkok bar caught fire mourns its members among the 33 deadVictims of this week's flash fire at a Bangkok music bar that took more than 30 lives included four of the six core members of the band playing when the blaze broke out. |
Wednesday, July 15th, 2026 | |
| Tiny Desk Radio: Air, Igor Levit, Fito PáezWith the buzz of the final in the air, we celebrate the beautiful game with music from countries that have won the World Cup in recent years. Look for Tiny Desk Radio on your local NPR station. |
| Clinton planning commission tables vote on data center ordinanceThe debate comes as a proposed data center could take up over 1,100 acres west of town. |
| Children's Therapy Center of the QC helps 8-year-old Pearl learn to ride a bikeEight-year-old Pearl is not letting her disabilities hold her back. Thanks to one area organization, she and her siblings soon will be able to go on a bike ride together - and Pearl won't need training wheels. Pearl, who has occupational therapy at the Children's Therapy Center of the Quad Cities, experiences numbness in her [...] |
| Clinton commission delays vote on data center ordinance, takes public suggestionsMembers of the public spoke for about two-and-a-half hours at the Clinton Plan Commission meeting on Wednesday. |
| Clinton data center ordinance goes back to drawing boardAn ordinance that could set the rules for data centers in Clinton will not go to city council.At least not yet. That came out of a special meeting tonight of the city's planning commission, where dozens of people expressed opposition. City employees will now make changes to the proposed rules. "I think the staff's position [...] |
| Large water main break in Rock Island causes water pressure loss to residents, businessesCrews are at the scene of a large water main break in Rock Island. |
| New Illinois laws to help military veteransIllinois' governor, JB Pritzker, signed new bills to help military veterans adjust to life after service. Service Member Education Rights Veneration (SERVE) Act (Senate Bill 3737) requires Illinois universities to readmit students who take academic leave for military service. The Joint Enlistment Enhancement Program (Senate Bill 3818) adds more incentives to get more people to [...] |
| Bettendorf School District to pay former superintendent over $700kThe Bettendorf Community School District will pay former superintendent Michelle Morse over $700,000 as part of her settlement agreement. |
| Rock Island water-main break affects residents south of 25th AvenueA water main break Wednesday night at 30th Street and 31st Avenue in Rock Island has resulted in a boil order, according to a spokesperson for the City of Rock Island. Shortly before 9 p.m., Our Quad Cities News crew saw 31st Avenue closed between 30th Street and Eugene Field Elementary School. Mud and debris [...] |
| Crews working to fix large water main break in Rock Island, boil order in effectCrews are at the scene of a large water main break in Rock Island. |
| Affordable senior housing development receives federal tax creditsThe Illinois Housing Development Authority gave the development, Burlington Terrace, federal Low-Income Housing Tax Credits, according to a media release. |
| After years of disputes, CGH Medical Center employees ratify first union contractEmployees unionized in 2021 and had been engaged in contract negotiations with hospital management for years. |
| KWQC to host Bix 7 livestreamKWQC will host a special livestream to celebrate and get the Quad Cities ready for the Bix 7 Road Race. |
| 5 people sentenced in federal court for distributing pills with fentanyl in the Quad CitiesBetween April 2022 and March 2024, the five individuals coordinated to distribute over 26,000 pills containing fentanyl, the court said. |
| What would permanent daylight saving time look like in Iowa and Illinois?The U.S. is one step closer to locking the clocks. |
| Quad City Symphony, St. Ambrose University partner to propose new $24 million performing arts centerLeaders with St. Ambrose University and the Quad City Symphony Orchestra are partnering to propose plans to build a new $24 million performing arts center in downtown Davenport. |
| National Hot Dog and Sausage Council: Is a hot dog a sandwich?National Hot Dog Day is upon us once again. |
| KWQC to host special livestreamWQC will host a special livestream to celebrate and get everyone ready for the Bix 7 Road Race. |
| 2026 Rock Island Grand Prix canceledOfficials said they hope to bring the street race back in 2027. |
| Read the settlement agreement between Bettendorf schools and Michelle MorseFormer superintendent Michelle Morse will be paid more than $700,000 by the Bettendorf Community School District, per a settlement agreement. Read it here: |
| Read the contract for Bettendorf Community School District's interim superintendentJohn Elkin will be the interim superintendent for Bettendorf Community School District with an annual salary of $218,000. Read the agreement here. |
| Muscatine begins designing downtown stabilization plan as evacuated residents, businesses continue waitingMuscatine leaders said engineers are designing a plan to stabilize evacuated downtown buildings on East 2nd Street, with more details expected in the coming weeks. |
| Quad Cities Latino Cinema Series debuts with films, fundraising and cultural celebrationThe inaugural series will feature a film each month from now through October. All of the ticket proceeds will go toward four different Quad Cities nonprofits. |
| Iowa Medicaid Fraud Elimination Task Force holds first meetingA new state task force focused on Medicaid fraud held its first meeting Wednesday, as federal prosecutors have already charged nearly 300 people across the country in related cases. |
| MercyOne launches air ambulance service in ClintonMercyOne officials cut the ribbon on a new air ambulance service Wednesday morning, marking the launch of Air Med 4 in Clinton. |
| Rock Island Grand Prix canceled for 2026Officials said they hope to bring the street race back in 2027. |
| Muscatine city leaders address structural issues in downtown buildingsMuscatine city leaders are looking ahead after several downtown buildings closed due to structural concerns. The mayor, city administrator and police chief talked through those structural issues that left the 200 block of E. 2nd St. empty and where they can go next. "Every action the city has taken, has been with safety of the [...] |
| MercyOne Clinton debuts new Air Med helicopter serviceMercyOne Clinton debuted its new helicopter service Air Med services are now available from MercyOne Clinton Medical Center. Additionally, a new patient transportation shuttle service designed to enhance access to care throughout the region has been launched. According to a release from MercyOne: The addition of Air Med 4 strengthens emergency response capabilities for Clinton [...] |
| 17 people, $7.1M: Scott County weighs new plan to break the crisis cycleThe Scott County Board of Supervisors consider Assisted Outpatient Therapy for people who cycle through jail, homelessness and hospital stays |
| Bettendorf schools to pay more than $700,000 to former superintendentFormer Bettendorf superintendent Michelle Morse will be compensated over $700,000 as part of a settlement agreement in her departure from the district. |
| National Pet Fire Safety DayOn Wednesday, July 15, National Pet Fire Safety Day, the Muscatine Fire Department encourages residents to take simple steps that protect their four‑legged family members long before an emergency happens, a news release says. The message is straightforward: Planning for pets is planning for family. The American Humane Society reports that more than 500,000 pets [...] |
| New housing development aims to help homeless people in DavenportNew Housing Development aiming at assisting homeless people coming to Davenport. |
| 5 people get federal prison time for conspiring to distribute over 26,000 fentanyl pills, court documents sayFive people have been sentenced to federal prison on charges related to conspiracy to distribute fentanyl. |
| Quad City Symphony, St. Ambrose propose $24M music centerThe center would be built on the former YMCA property in downtown Davenport near the Centennial Bridge. |
| Learn about the inaugural Quad Cities Latino Cinema SeriesThrough October, there are four chances to check out iconic Latino films at The Last Picture House. Ticket sale proceeds will benefit local Hispanic nonprofits. |
| Eldridge's Countryside Community Theatre putting on 'Mean Girls'Actors Ryan Latcher and Micha Roldan joined The Current to discuss Countryside's final performance of the season! |
| Muscatine officials outline next steps for downtown stabilizationMuscatine city leaders are sharing new details about plans to stabilize a downtown block weeks after structural concerns forced the evacuation of several buildings. |
| How you can experience "The Odyssey" on 35mm in the QCAIt's an epic retelling of Odysseus as he embarks on a long and perilous journey home following the Trojan War, and you can see it in a special format right here in the QCA. Carlie Allison joined Our Quad Cities News with details on how you can see "The Odyssey" on 35mm at The Last [...] |
| Davenport man to spend 18 years in prison on methamphetamine chargesA Davenport man will spend 18 years in federal prison on methamphetamine charges. |
| Xtream Rock Island Grand Prix cancelled for 2026The annual event was supposed to be held Labor Day Weekend in Rock Island. |
| Argentina is back in the World Cup final after a thrilling semifinal win over EnglandArgentina survived another heart-stopping match when it scored two late goals to topple England and extend the Three Lions' six-decade-long wait for another World Cup trophy. |
| Traffic alert: Temporary 'no right turn' restriction at Rock Island intersectionFrom Thursday, July 16, through Saturday, July 18, drivers will not be able to turn right onto 18th Avenue from 24th Street. |
| Takeaways from Todd Blanche's confirmation hearing for attorney generalTodd Blanche remained composed throughout the hours-long hearing, but faced several testy moments during questioning as he seeks to win the support of all Republican senators on the committee. |
| State Treasurer: Trying to return baseball signed by Pete Rose and Michael Jordan cardThe Iowa State Treasurer's office is looking for the owners of sports memorabilia and other items that have been left unclaimed for years. |
| Colona approves agreement for Chestnut Drive projectThe council voted 4-3 Monday to approve the development agreement with DLM for completion of Chestnut Drive within two years. |
| QCCA Expo Center announces new name, facility upgradesNow the QCCA Event Center, the facility plans to refresh its main exhibition hall, renovate its restrooms and modernize its concession stand area. |
| Illinois State Board of Education issues AI guidance, written with help from AIThe Illinois State Board of Education recently released a guidance document intended to help schools and districts make decisions about whether and how to use artificial intelligence in classrooms and school operations. |
| 2 injured in shooting on Davenport's Pershing AvenuePolice said two men suffered non-life-threatening injuries in a shooting Tuesday night on Pershing Avenue in Davenport. The incident is under investigation. |
| Rock Island Grand Prix suspended for 2026The Rock Island Grand Prix has decided to suspend the race for 2026, citing "increasing costs, declining participation at kart races across the country, and the rising costs for air and auto travel for race teams, race officials and spectators, among other issues, were behind the decision." A news release said the decision by the committee was unanimous. [...] |
| Davenport man sentenced on methamphetamine chargesA Davenport man was sentenced to federal prison on methamphetamine charges. According to public court documents, Anthony Duyvejonck, 33, conspired with others to distribute large quantities of methamphetamine across the state of Iowa. In July 2025, officers found 3.5 pounds of methamphetamine in Duyvejonck’s vehicle. Duyvejonck distributed almost 13 pounds of methamphetamine. Duyvejonck was paroled [...] |
| China and Xi favored over US and Trump in many nations: SurveyThe change is driven by improved perceptions of China and declining views of the United States. |
| Five sentenced to federal prison for QCA fentanyl chargesFive suspects were sentenced to federal prison for Quad-City fentanyl charges. According to public court documents, between April 2022 and March 2024, five conspired together to distribute fentanyl across the Quad-City area. More than 26,000 pills containing fentanyl were attributed to the drug trafficking organization: The Davenport Police Department and the Drug Enforcement Administration (DEA) [...] |
| QCCA Expo Center rebrands, to upgrade facilitiesThe expo center will now be called the QCCA Event Center sponsored by Jackson Generator, according to a media release. |
| DeWitt Crossroads Triathlons set for this weekend with youth, adult eventsThe DeWitt adult triathlon Saturday includes a swim, bike ride and run at Lake Killdeer. |
| Residents voice support for tattoo shops in the Village of East DavenportThe next step in the process is a Davenport Planning and Zoning Commission vote Aug. 4. Their recommendation will then go to the city council. |
| Traffic Alert: Temporary ‘No Right Turn’ at 24th Street, 18th Avenue intersection in Rock IslandThe intersection will remain open for traffic to move through, but vehicles will not be allowed to make a right turn. |
| Rock Island road work leads to traffic restrictionDrivers in Rock Island will find a temporary traffic restriction in place on Friday and Saturday. A news release from the city said there will be a temporary traffic restriction at the intersection of 24th Street and 18th Avenue on Friday, July 17 and Saturday, July 18. A “No Right Turn” restriction will be in [...] |
| Have you seen these suspects? Crime Stoppers wants to know!Crime Stoppers of the Quad Cities wants your help catching two fugitives. It’s an Our Quad Cities News exclusive. You can get an elevated reward for information on this week’s cases: MICKEAL BLOCH, 28, 5’10”, 158 pounds, brown eyes, black hair. Wanted by Bettendorf Police Department for possession with intent to deliver marijuana, failure to [...] |
| Davenport shooting Tuesday night injures twoA shooting in Davenport on the night of Tuesday, July 14 injured a 41-year-old male and an 18-year-old male. |
| Trump relished in being compared to dictators like Hitler and Stalin, journalist saysThe New York Times journalist Jonathan Swan says the president is fixated on becoming a "great man of history" during his second term. Swan's new book, written with Maggie Haberman, is Regime Change. |
| Police: Rock Island man robbed man at gunpoint near middle schoolA Rock Island man is facing several charges after police say he robbed a man at gunpoint near a Davenport middle school. |
| Imagery mapping finds Iowa has 15,309 animal feeding operationsThe group utilized satellite and aerial imagery to map animal feeding operations across Iowa and estimate the amount of manure they produce. |
| | 3/4 of small businesses don't trust AI for basic tasks3/4 of small businesses don't trust AI for basic tasksAI has been a fixture in business headlines for years. The pitch is always the same: Do more and spend less. That promise is what attracted many small business owners. What they're finding on the other side is more complex, and the data shows both sides of that story.According to a new survey from Bluevine, 68% of small business owners believe advances in AI will be good for their business, and conviction is growing. Those who feel strongly about AI being beneficial jumped from 31% to 44% year-over-year. Almost three-quarters (74%) are already using or actively testing AI tools. The share of owners with no current or active plans to use AI dropped from 30% in 2025 to 20% in 2026.The customer data at Bluevine tells a similar story. Active Bluevine account holders who adopted AI saw a 50% increase in customers from September 2025 to March 2026, with 1 in 10 active customers now using at least one AI tool.Even with that momentum, 82% say they’ve faced at least one barrier when trying to go deeper, while concerns about data security jumped 10 points year-over-year from 23% to 33%. The excitement and the anxiety are building.In April 2026, Bluevine surveyed 942 small business owners and financial decision-makers across the U.S. to understand where AI is actually delivering and where it continues to fall short. The 2026 Business Owner Success Survey offers insight on how small business owners are planning for the future.Key takeawaysAmong active Bluevine customers, the AI-adopting customer base grew 50% in just six months (September 2025 to March 2026), with Claude emerging as the fastest-growing tool at 729% year-over-year growth.74% of SMB owners are already using or testing AI tools, with 33% using them regularly across multiple business areas, according to the Business Owner Success Survey.82% of SMBs report at least one barrier to using AI more deeply, led by data security concerns (33%) and distrusting AI's accuracy (31%).78% of SMB owners don’t fully trust AI to handle low-level tasks without oversight, despite those being the tasks that would save them the most time.52% of SMBs who use AI report a return on their investment; 24% say they haven't seen a return yet.Almost half (48%) of SMBs using AI save at least 4 hours per week.Most small business owners believe in AI — but many hit a wall trying to use itMore than two-thirds (68%) of SMB owners believe advances in AI will help their business, up from 61% last year. The percentage of those who feel strongly that AI will help jumped 13 percentage points. But for many, actually getting value out of these tools is another story.The majority (82%) of SMB owners are encountering at least one barrier keeping them from exploring AI more deeply.The biggest roadblocks are data security and privacy concerns (33%, up from 23% in 2025). The more AI is embedded into daily business operations, the less owners understand what these tools are doing with their data. And that uncertainty is becoming harder to ignore.Close behind was a lack of trust in AI's accuracy at 31%. Nearly one-quarter (24% each) of owners cited the cost of AI tools or said they were satisfied with their current tools. Another 20% say they don’t see enough value from AI yet.Just 22% of SMB owners are completely confident that AI can do low-level business tasks without human supervision. Automating routine tasks like writing emails or filtering customer inquiries are some of the simplest ways for a busy business owner to get time back. For most owners, the trust simply isn't there yet, whether that's from running into errors or not fully understanding how these tools work. Bluevine AI saves almost half of SMBs 4-plus hours a weekAI is giving many busy business owners hours of their week back. Nearly one-fourth (23%) save 4-6 hours a week, 11% save 7-9 hours, and 14% save 10 or more hours per week. That’s almost half (48%) of SMBs getting back at least half a workday every week, which adds up quickly over time. Bluevine SMBs are using AI across different areas of their businesses. Most commonly, 39% use it for data analysis and business insights, up from 33% last year. Marketing and sales is the second-most common use case at 37%. These are followed by automating operations (29%), customer service (27%), and financial management (23%).Among Bluevine customers, NLP and LLMs account for 83% of all AI transactions. Coding tools are also gaining ground, with Cursor up 162% and Replit Ghostwriter up 326% year-over-year.Last year, business owners were using AI for marketing and sales more than any other task, but today, more owners are using AI for data analysis. That’s in line with the cash flow challenges small businesses are facing right now. When margins are tight, owners are turning to AI to help with time-consuming tasks and to identify new income streams or inefficiencies.More than half (52%) of SMBs using AI report a return on their investment, but 24% say they haven’t seen a return yet. That's a quarter of businesses that have brought AI in but haven't found the version of it that actually works for them yet. Some may still be in trial-and-error mode, testing tools across different functions without a clear sense of where AI moves the needle in their specific business.SMBs are turning to free apps like ChatGPT more often than complex toolsMore than half (57%) of SMB survey respondents are using ChatGPT or Google Gemini (56%). Microsoft Copilot (30%) is the third-most commonly used app, followed by Claude (12%), Canva AI (11%), and Perplexity (9%). For the most part, small businesses are finding more use in general-purpose AI assistants, not niche or embedded tools.Many of these business owners may be using a free tier, but ChatGPT is also the most popular paid app. Bluevine analysis of its own customer base shows more business owners use ChatGPT than any other app, but Claude is growing quickly. Among Bluevine customers, Claude users grew 729% between 2025 and 2026.In Q1 2026, Google Duet AI (now known as Gemini for Workspace) had the highest spend per user at $2,139, evidence of how embedded Google Workspace already is in small business operations. When owners are willing to pay a premium for AI, it’s usually for tools embedded in the software they are already using every day.Overall, according to the Bluevine survey, 28% of SMBs spend $25 to $99 per month on AI tools and services. Another 16% spend $100 to $249 per month and only 10% spend $250 or more.On the other hand, one-third (33%) of SMB owners aren't spending anything on AI tools, which shows free tiers of ChatGPT and Gemini are likely partially driving the current wave of AI adoption. Twenty-eight percent spend $25-$99/month, 16% spend $100-$249/month, and only 10% spend $250 or more.Most popular AI tools are free of charge. So when SMBs talk about cost as a barrier, it’s probably less about the cost of entry, and more about whether deeper use (more hours, more data, more integration into existing workflows) is worth the investment. That’s in line with small business trends that show SMBs are becoming pickier about where they spend on technology. Bluevine 24% of SMBs have yet to see a return on AI — starting with the right use cases changes thatMost small business owners are sold on the promise of AI. The pitch is straightforward: tools that save time and cut down on the manual work that eats into every week. But AI is moving fast, and for a lot of owners, the technology has outpaced their ability to figure out how to use it well.The SMBs reporting the strongest results tend to use AI for decision-making support and to automate repetitive tasks, each cited by 12% of respondents.Those worries don’t just disappear. They stress the need for AI that is built into systems that owners already trust. Running a small business is tough enough without adding tools that need constant supervision to use safely.For more on the study, read here.MethodologyThe survey was conducted by Centiment for Bluevine. The survey was fielded between April 7, 2026, and April 9, 2026. The results are based on 942 completed surveys. Respondents were screened to be U.S.-based small business owners or majority owners with 2-249 employees and annual revenue between $50,000 and $5,000,000. Data is unweighted, and the margin of error is approximately +/-3% for the overall sample with a 95% confidence level.Select data points in this report also reference Bluevine internal customer data drawn from active DDA (demand deposit account) holders, covering AI tool adoption and transaction patterns through March 2026. This data reflects Bluevine's customer base and is not representative of SMBs broadly.This story was produced by Bluevine and reviewed and distributed by Stacker. |
| Learn about healthy eating at Cooking with Heart seriesQCA residents who want to learn about healthy cooking can join UnityPoint Health – Trinity’s Cooking with Heart series, with new classes starting in August and September. The classes include Cooking with Heart Foundational and Cooking with Heart for Cancer. Each four-week series is led by nutrition experts who make healthy eating easier while helping [...] |
| Davenport man faces 20 felony charges after Google flagged explicit uploads of childrenA Google tip to NCMEC led to the arrest of David Leroy England in Davenport. He is held in Scott County Jail on a $1 million cash-only bond. |
| | 3 in 4 US manufacturers admit their warehouse networks are falling behind3 in 4 US manufacturers admit their warehouse networks are falling behindA recently released Warehouse Specialists Inc, LLC (WSI) survey of 306 supply chain, operations, and logistics leaders at U.S. manufacturing companies found that 75% agree their warehouse network evolved organically over time rather than being designed strategically. Another 73% say their current warehouse model was built for a different operating environment than the one they face today.In many U.S. manufacturing companies, warehouse networks began as practical extensions of the plant. Production happened in one place, and finished goods moved next door, down the road, or into a nearby building that could hold inventory until a truck arrived. The logic was straightforward. Keep storage close to production, keep costs down, and add space when the business outgrows the existing network.Over time, that approach created networks that worked well enough but were never meant to add up to a national distribution strategy. The footprint was built for yesterday’s assumptions, and the operating environment has changed around it, creating a quiet crisis plaguing manufacturing warehouse networks during a highly turbulent time.The network legacy problemManufacturing warehousing has always been shaped by control. Products may be heavy, hazardous, high value, temperature sensitive, lot controlled, rail served, or difficult to handle without specialized equipment and trained labor. For decades, those requirements reinforced the idea that warehousing belonged close to the production floor and, often, under internal management.WSI’s survey, How Manufacturers Are Structuring Warehouse Operations in 2026, reflects that legacy. Nearly half of manufacturers still operate their primary U.S. warehouse or distribution center with their own internal teams. Another 32% use a company-owned or leased facility operated by a 3PL provider, while smaller shares use dedicated contract warehousing or mixed models.This self-reliant model has advantages. It gives manufacturing leaders direct visibility into inventory, tighter coordination with production, and more control over processes that can carry real compliance or customer risk. But it also leaves companies managing infrastructure that may no longer match where their customers, suppliers, labor pools, or cost pressures now sit.The survey found that 83% of manufacturers have highly or somewhat centralized warehouse networks. That centralization usually tracks production, with inventory clustered where products are made. Yet only 35% have their primary facility within 10 miles of production, even though 59% say proximity to the plant is very important.That gap matters. A centralized network can be efficient when production, storage, labor, and outbound transportation are aligned. It becomes much harder to defend when the plant, the warehouse, and the customer base are all pulling the network in different directions.The external pressure is no longer theoreticalThe warehouse problem is not happening in isolation. U.S. manufacturing is being pushed by a wider set of forces that are changing where companies produce, source, store, and distribute.Reshoring and foreign direct investment, or FDI, continue to add new manufacturing activity in the United States. The Reshoring Initiative reported that 244,000 U.S. manufacturing jobs were announced in 2024 through reshoring and FDI, with more than 2 million jobs announced since 2010. Manufacturing construction spending remains elevated as well. Federal Reserve data sourced from the Census Bureau showed manufacturing construction spending at a seasonally adjusted annual rate of $185.7 billion in April 2026.At the same time, trade volatility is adding pressure to warehouse strategy. Deloitte’s 2026 manufacturing outlook reported that 78% of manufacturers in a National Association of Manufacturers survey named trade uncertainty as their top concern, with expected input cost increases averaging 5.4% over the next year.Warehousing is where many of these pressures physically show up. Tariff uncertainty can lead companies to front-load inventory, while supplier diversification can change inbound flows. Reshoring can move production closer to U.S. customers but farther from existing storage. And regionalization can require more capacity in markets where a company has never operated.CBRE’s 2026 industrial outlook points in the same direction, forecasting a 5% year-over-year increase in industrial leasing activity to nearly 1 billion square feet. The firm expects new leasing to be driven by a flight to quality, more outsourcing of distribution operations, and continued reshoring of manufacturing operations. It also estimates that 3PLs will account for more than 35% of leasing activity in 2026.In other words, the warehouse is becoming a pressure valve for manufacturing strategy. The companies that once treated storage as a secondary function are now being forced to decide whether their networks can support a more volatile, regional, and capacity-constrained operating model.The numbers behind the redesignWSI’s survey shows that manufacturers are not simply aware of the problem. Many are already responding. In fact, 88% expect some kind of U.S. warehouse or distribution footprint change in the next 18 months.Key findings include:48% cite warehouse operating costs as a top operational challenge.35% cite storage capacity as a top challenge.35% cite inventory accuracy and visibility as a top challenge.35% are adding U.S. warehouse capacity to support reshored production.34% are repositioning facilities closer to new manufacturing locations.The data points to a market in motion, although it’s not moving in a single direction. Some manufacturers are expanding, others are consolidating, and many are reconsidering what should stay in-house versus move to an outsourced or contracted model. In essence, warehouse network strategy has shifted from site-level troubleshooting to regional and national redesign.Efficiency still matters, but it is no longer the only measure of a strong network. Manufacturers are now weighing cost against resilience, proximity, compliance, labor availability, inventory strategy, and transportation exposure.The capex trapOne reason warehouse networks are hard to change is that old decisions are expensive to unwind.Prior capital investments can create a powerful bias toward staying put. A company may own a warehouse that no longer sits in the right place. It may have installed racking, automation, bulk handling equipment, or compliance infrastructure that is difficult to replicate elsewhere. It may have a lease that made sense before demand shifted. It may have built processes around a specific facility layout that now limits throughput.WSI’s survey found that nearly three-quarters of manufacturers have delayed or avoided warehouse changes at least somewhat because of prior capital investments. Of those, roughly 21% say those investments constrained them significantly, while 53% say they constrained them somewhat.Capex is not stopping most manufacturers completely; it is slowing them down by creating friction at the exact moment when market conditions demand faster network decisions.The result is a type of operational inertia. Companies know the footprint needs to change, but the existing network still has sunk cost, institutional knowledge, and internal defenders. Warehouses are not buildings alone but labor models, compliance systems, customer commitments, carrier routines, technology connections, and management habits.Why 3PL relationships are under strainIf manufacturers are rethinking the warehouse footprint, 3PL relationships will inevitably come under review.The WSI survey found that 67% of leaders have grown more likely to consider switching third-party logistics providers because of friction over the past 12 months. It also found that 75% agree that managing multiple 3PL relationships creates more complexity than value, while more than half are already managing two to three providers.This does not mean manufacturers want a generic outsourced model. In fact, the survey suggests the opposite. Sixty percent of companies have ruled out a 3PL partner specifically because the provider lacked experience with their industry or product type. When evaluating a dedicated warehousing partner, leaders cited cost and pricing transparency, compliance certifications and track record, proximity, technology and visibility tools, scalability, and industry expertise as top criteria.This highlights a more selective 3PL market. Manufacturers may want fewer partners, but they also want better ones. A warehouse partner must understand the product, the regulatory environment, the handling requirements, the transportation profile, and the strategic reason a facility exists in the first place.Outsourcing requires a partner that can help redesign a network without stripping away the operational control manufacturers still need.The next warehouse network will be more intentionalThe next phase of manufacturing warehousing will likely be defined by deliberate network design rather than incremental expansion.That does not mean every company will outsource. Some manufacturers will keep warehouses in-house because the product, compliance profile, or production model demands it. Others will use 3PLs to add regional capacity without committing capital to new real estate. Some will consolidate providers to reduce complexity. Others will split their networks by product type, region, or customer requirement.The strongest redesigns will begin with a more fundamental question: What job does each warehouse need to do now?Once that purpose is clear, the partner decision becomes more precise. The right 3PL can support network analysis, phased transitions, inventory visibility, compliance documentation, technology integration, labor stability, specialized material handling, and facility placement that matches the manufacturer’s next operating model.The warehouse built for the old environment may not disappear overnight. Many of those buildings will remain part of the network because they still serve a purpose. But the assumption that the inherited footprint is good enough is weakening.Three-quarters of manufacturers have already admitted that the network grew by accident more than by design. The next question is whether they can redesign it before the cost of waiting becomes harder to absorb.This story was produced by WSI and reviewed and distributed by Stacker. |
| Verizon stores to donate hundreds of backpacks for the back-to-school seasonVerizon stores in Rock Island, Moline, Davenport and other surrounding areas will be donating backpacks later this month. |
| | Lee County residents demand pause on NC data center, claiming deceptionAbout 150 residents showed up to a Lee County Board of Commissioners meeting July 13th, 2026, to speak against a proposed data center. (Photo: Claire Michal/NC Newsline.)SANFORD — Jeff Kidd, a Lee County farmer who raises goats and chickens, didn’t think noise or light pollution would ever be a problem in his rural neighborhood. That was before a planned business park turned into a proposal for a giant data center that would wrap around his farm. He was one of about 150 residents who showed up to a Lee County Board of Commissioners meeting Monday night to speak against the data center. Kidd said people living by a CyrusOne-developed data center in Aurora, Illinois reported noise pollution of up to 80 decibels coming off of the property. “Sounds like a helicopter landing on your house,” Kidd told the commissioners. “This is what’s going to happen to us in Lower Moncure.” Lee County residents are demanding county commissioners take action against a proposed data center, citing concerns about noise levels and transparency with the project’s approval. Nearly 2,500 people have signed an online petition in support of a moratorium on data centers in Lee County, and for the commissioners to reveal relevant public records on the proposed site. They say they were misled about the project’s true nature. Last year, residents say, they were invited to weigh in on rezoning for what a representative from the Trustwell Property Group told county commissioners and the Lee County Planning Board would be a “light industrial business park” in Sanford. Steve Baber, a member of Lee County planning board and a resident of Lower Moncure Road, said that although he initially voted against rezoning, he became hopeful that the business park would bring in needed taxes to the county. “We as citizens feel like we were snookered a bit, in that it was to be light industrial,” Baber said. “There was never mention of a data center, although a data center is allowable under the light industrial zoning in Lee County.” Trustwell, which owns the property and works with marketing agency Helix Ventures, told commissioners the project had already “been in development for about three years,” according to the petition, meaning planning began as early as late 2022. But on June 8, it became a hyperscale data center. That’s when Virginia-based PointOne Data Centers, a partner of Helix Ventures, announced plans for a $900 million, 90-megawatt “new technology park” with a “focus on data center development” on the same 430 acres on Lower Moncure Road in Sanford. PointOne has a contract with Dallas-based tech giant CyrusOne, which owns and operates over 40 data centers. Neither company nor Trustwell immediately responded to NC Newsline’s repeated requests for comment. About 40 people spoke in opposition to the project at a Lee County Board of Commissioners meeting on Monday. Out of about 150 attendees, no members of the public spoke in favor of the data center. Eric Evenson, another Lower Moncure resident, pointed out that the data center would bring in only about 40 jobs, far fewer than the 500 jobs promised in the original plan for a business park. “This isn’t economic growth; it’s an extraction of Lee County’s resources,” Evenson told the commissioners. “We know the members of this board are good people. You must be deeply uncomfortable with how this perceived bait-and-switch was engineered behind closed doors, like we are.” Another key concern for residents is the low-frequency noise emitted by data centers, which some believe can negatively impact people’s and animals’ health. Multiple speakers brought up these concerns, citing studies that claim low frequency noise like that emitted by data centers can cause increased stress, sleep deprivation, and headaches in people living close to the centers. The City of Sanford adapted their Unified Development Ordinance in April, specifically requiring data centers to not exceed 65 decibels (dBA) on the perimeter of their property. The ordinance also allows for independent third party testing of noise levels. However, speakers on Monday said that safeguard doesn’t do enough to protect residents. “The zoning power handed to you by the people created a loophole that was exploited by outside investors, and it is to their benefit, not to the people,” Heather Watson said. Residents also expressed concerns on Monday about the other environmental impacts a data center could present, like water usage, light pollution, increased temperatures in the area surrounding the center, and greater demand on the local electrical grid. “We definitely do not need or want a data center so close to our homes, disrupting our way of life with constant noise, higher bills, lower water pressure, negative sleep effects, and many other reported effects,” said Chris Chezem, a lifelong Lee County resident. “Having a data center in my backyard is not the future I envision, and not the future any of us would want.” Kirk Smith, a member of the Lee County Board of Commissioners, wrote in a statement to NC Newsline Tuesday that the county needs the property tax revenue the data center would generate. He also questioned how many protestors are actually Lee County residents. He believes most people in his county support the project. “This comprises a very small fraction of our county and if facts were shared, the majority would most likely support the development of a data center near the Raleigh Executive Jetport,” Smith wrote. Courtesy of NC Newsline |
| | The rise of agentic AI in supply chains and what it means for retailersThe rise of agentic AI in supply chains and what it means for retailersArtificial intelligence has spent the past few years learning how people click and buy. Now it is moving closer to the harder part of commerce, where a late shipment or missed delivery window can become a customer problem before a retailer has time to react.A 2025 PwC operations survey found that 53% of respondents already use AI to anticipate and reduce supply chain disruptions, while another 31% are testing it.Operators tracking fulfillment data are seeing the same pressure behind those adoption numbers as retailers look for systems that can read operational pressure before it reaches the customer. And agentic AI gives that pressure a name, while its arrival points to a larger change inside commerce. As AMS Fulfillment explains below, software is beginning to guide decisions that used to wait for human review.What Is Agentic AI and Why Does It Matter?Agentic AI is the term now attached to systems built to pursue a business goal and decide the next step as new information comes in. Old automation stays rigid, doing exactly what its rule says and nothing past it. For example, a system set to reorder 500 units when stock dips below a line does just that, even as the supplier runs dry and the order stalls.But the agentic version starts from the goal instead, holding a product in stock at a fair price. If the usual supplier runs out, it finds a new source and places the order itself. And inventory balancing follows the same logic, with an agent moving stock toward a regional spike and easing off where demand has cooled.Sinan Aral, a professor at MIT Sloan, says the agentic AI age “is already here,” with real agents at work across the economy. Agentic systems keep working when reality breaks the script, while older tools simply quit.How AI Is Changing Warehouse OperationsWarehouse floors make the difference easier to see, since small errors often travel faster than the product itself. A survey conducted in November and December 2024 by Deep Analysis, Hyperscience, and the Council of Supply Chain Management Professionals found that 82% of respondents said manual document processing has a heavy to extreme impact on operational efficiency, with data-entry errors and slow processing among the biggest problems.But AI starts cutting into that drag by keeping inventory records closer to the shelf and coordinating automated equipment as it runs. It also moves urgent orders higher before a delay spreads.The work still belongs to people, though fewer decisions have to sit inside a spreadsheet or wait for a status check. In other words, faster reads inside the building lead to fewer wrong picks and cleaner handoffs before an order leaves the dock.Forecasting and Fulfillment in Real TimeOnce an order clears the dock, speed depends on how quickly the wider network reads demand and disruption together.Global Trade Magazine has described AI forecasting as a way to read sales history and seasonal patterns alongside outside conditions, giving retailers a faster view of where inventory may run short or sit too long. Agentic systems then carry that view into fulfillment by treating demand planning and order movement as one connected loop.For example, when a clothing size sells out in Chicago but sits idle in Atlanta, the system moves stock between locations before the missed sale spreads. And when a storm slows a shipping hub or a carrier misses a pickup, the retailer no longer has to spare hours for manual review. The software detects the snag, drops the blocked route, and sends the order through a cleaner path.Why Customer Expectations Are Driving the ShiftThe pressure behind faster fulfillment starts with the shopper, whose patience has been trained by same-day carts, live tracking screens, and delivery windows narrow enough to plan around.Today, delivery gets counted in hours and days rather than weeks, and the promised window has to hold through the afternoon it was given. But a wrong inventory count breaks that promise fast, turning an item marked available into a cancellation email after checkout. And a late truck does similar damage if no system catches the delay before the date slips.Retailers once had more room to recover from a miss like that, but online choice has made patience easier to lose. In May, Bain reported its surveys have found that 30% to 45% of U.S. shoppers use generative AI for shopping support, and shoppers trust retailers’ on-site agents three times more than outside agents. So the burden of getting fulfillment right stays squarely on the brand.The Risks and Challenges of AI-Led OperationsEvery gain from this speed carries a matching risk, and the first one sits with the data itself. An agentic system acts on what it reads, so a sensor incorrectly reporting 500 jackets on an empty shelf may have the agentic system accepting new orders with full confidence when they can’t be fulfilled.One wrong number may then set off the next bad call, from canceling a supplier order to routing a truck toward the wrong site before a person spots the slip. Clear rules hold that danger in check, letting a system reorder on its own under a set dollar line while flagging a costly emergency shipment for a human to approve.MIT Sloan’s Aral warns that a business has to be able to explain its decisions and apply the same standard to every case. Speed belongs to the machine, but the judgment and the accountability for it stay with the people watching over the work.Supply Chains Are Becoming Intelligent SystemsNew technology often arrives with promises big enough to outrun the work behind them. But agentic AI looks different when it sits close to daily decisions that keep supply chains moving. It helps retailers read demand sooner and respond to delays faster, giving delivery promises a better chance to hold with fewer manual handoffs.The real test comes after the software is purchased, when clean records and clear rules have to guide every automated call. MIT professor Yossi Sheffi grounds that test in a practical reminder, noting that supply chains are still human networks made of people who move goods and solve problems, with technology there to strengthen that work rather than replace it.Retailers best prepared for faster commerce will be the ones that connect AI to inventory control and fulfillment work, while keeping experienced people close to the decisions that affect the customer.This story was produced by AMS Fulfillment and reviewed and distributed by Stacker. |
| Davenport man arrested on 20 counts of sexual exploitation of a minorA Davenport man is in the Scott County Jail on a $1 million cash-only bond after police received a cybertip from the National Center for Missing and Exploited Children (NCMEC) about uploads of child sex abuse material. According to the criminal complaint filed in Scott County Court, detectives with the Davenport Police Department were assigned [...] |
| | Hospital CEOs meet union skepticism over out-of-state acquisition of Allina HealthAllina Health CEO Lisa Shannon speaks next to Sutter Health CEO Warner Thomas at a public forum on the proposed acquisition of Allina Health by Sutter Health, hosted by the Minnesota Attorney General's Office in St. Paul Monday July 13, 2026. (Photo by Alyssa Chen/Minnesota Reformer) In what could be a portentous signal for the fate of a healthcare mega merger, skeptics from labor unions filled a St. Paul church this week to voice concerns — sometimes raucously so — about the proposed joining of two big nonprofit health systems: Allina Health and Sutter Health. The Office of the Minnesota Attorney General held the first public forum this week on the proposed acquisition of the Upper Midwest’s health giant Allina by the even bigger California system, Sutter Health. Sutter Health, the fourth biggest health system in California by number of staffed patient beds, has been accused of driving up costs for Californians through anti-competitive behavior in two lawsuits brought by unions, employers, individuals and California’s attorney general. After over a decade of litigation, the health system paid settlements of $575 million and $228 million in the lawsuits, fractions of what the plaintiffs were estimated to have overpaid — $1.2 billion and $411 million, respectively. The settlements also barred Sutter from some anti-competitive practices. The Minnesota Attorney General’s Office was bestowed with expanded regulatory powers over healthcare mergers by the Legislature in 2023. It’s now able to analyze and sue to block hospital mergers if they are against the public’s interest — for example if they increase healthcare costs for patients. Elizabeth Odette, an assistant attorney general in the office’s antitrust division, said that public forums are helpful for identifying the public’s concerns and ensuring that the parties are addressing those concerns. The Monday forum was markedly more lively compared to a recent public forum on another health system merger, one between North Memorial Health and South Dakota-based Sanford Health. The pews at the forum’s venue, Gustavus Adolphus Lutheran Church in St. Paul, were largely filled by t-shirted union members — Minnesota Nurses Association, Doctors Council and SEIU — who cheered and occasionally hissed at speakers. Members of the public and leadership from Sutter and Allina were also present. The attorney general is at the beginning of the review process for both the North Memorial-Sanford and Allina-Sutter transactions, which were announced in the spring. The Allina-Sutter transaction is significantly larger and would create a combined $26 billion system with 39 hospitals serving more than 5 million patients in California, Minnesota and Wisconsin. Under the combined system, Allina would maintain its Minneapolis headquarters and become the Upper Midwest Division of Sutter Health, with Allina CEO Lisa Shannon remaining in leadership of the division. Unionized doctors and nurses said the consolidation would lead to higher costs and worse care and working conditions. Substantial evidence has shown that healthcare consolidation — hospitals and clinics combining into sprawling health systems — has led to higher prices. Evidence on the effects on quality of care is mixed “at best,” according to a brief from KFF, a health policy research organization. “When the evidence tells me that after a merger, I can expect costs to go up for my patients and quality of care to go down, I will not be reassured by platitudes from Allina and promises of an initial investment into our healthcare system,” said Cora Walsh, a family physician at Allina’s West St. Paul clinic who is involved in union organizing. Audience members used “jazz hands” at the request of Minnesota Chief Deputy Attorney General John Keller. (Photo by Alyssa Chen/Minnesota Reformer) At the forum, Shannon, the Allina CEO, emphasized the need to make “bold and proactive decisions,” like merging with Sutter, to preserve Allina’s “incredible legacy” and strengthen its care. The transaction includes an investment of more than $2 billion in Minnesota and western Wisconsin. Matt Hoffman, also a union organizer and Allina family physician, highlighted Allina’s closures of rural birth centers, primary care clinics, and an inpatient pediatric unit at Mercy Hospital. He noted that Shannon’s pay increased from $1.2 million in 2020 to over $4 million in 2024. Sutter Health CEO Warner Thomas was paid $11.9 million in 2024. Public comments in support of the acquisition mostly came from Allina leadership, including vice presidents and division directors. “If we look back 10 years from now, are we gonna feel like this was something that benefited all the important constituencies, from our patients to those with caregivers and everybody else in this community? We believe very strongly that this transaction will facilitate that,” said Tom Schreier, an Allina board member. In response, one person yelled from the crowd: “Liar!” Another: “Put it in writing!” John Keller, the state’s chief deputy attorney general, moderated the forum in the absence of Attorney General Keith Ellison. “Please give everybody a chance to speak and be received respectfully,” Keller said. At one point, Keller requested that the crowd use silent “jazz hands” instead of cheering and applauding to save time in the packed two-hour session of public comments. Union demands, warnings The audience member’s call to “put it in writing” likely referred to the unions’ demand for a written “community benefits agreement” from the health systems, which would stipulate protections for workers and patients. Faith leaders with the progressive ecumenical group ISAIAH have joined labor in the effort to win a community benefits agreement in both the Allina-Sutter and North Memorial-Sanford transactions. The coalition has yet to release written demands though they said they asked to meet with Allina and Sutter leadership. Sutter Health employee Sarah Pineda spoke at a union press conference before the public forum. (Photo by Alyssa Chen/Minnesota Reformer) A group of SEIU Sutter Health workers flew in from California to speak at the forum. Sarah Pineda, a surgery scheduler at Sutter Delta Medical Center in Antioch, Calif. who is also an executive committee member for SEIU’s California healthcare labor union, cited problems with workers’ pensions and low staffing. “This is a giant that you are going to be battling. It is very important that you guys do get this community agreement because you’re going to need it,” Pineda said at a union press conference before the forum. The unions are demanding protections around artificial intelligence, medical debt forgiveness, limits on hospital pricing, and pension and contract protections for current employees, among other stipulations stated at a press conference before the forum. Community benefits agreements are more commonly found in real estate development, where developers sign contracts with community groups in exchange for support in a municipal approval process. Phillip Cryan, the executive vice president of SEIU Healthcare Minnesota and Iowa, said he’s only aware of one such agreement in healthcare — a 2006 community benefits agreement between the Yale-New Haven Hospital in Connecticut and workers and residents. A 2009 paper in the Journal of Labor and Society found that the agreement resulted in some concrete gains, but that the hospital “blatantly violated the union-organizing rights part of the agreement.” Courtesy of Minnesota Reformer |
| Hong Kong booksellers arrested for allegedly selling seditious booksHong Kong was once known for its freedom of publication, but political changes have created a challenging environment for independent bookstores. |
| 2 injured in Davenport shootingThe shooting happened Tuesday night, police said. |
| | Should I put my rent payments on autopay?Should I put my rent payments on autopay?Rent is usually the single biggest payment renters make each month, and how it gets paid can shape whether that due date is routine or stressful. Unlike a lot of smaller recurring charges, paying rent still often requires active effort: logging into a portal, writing a check, or remembering to hit send before a deadline.Some renters have never considered putting their rent on autopay. Others have thought about it but hesitate. Is it worth it? For many renters, the answer is yes. Autopay can reduce the risk of missed payments, help avoid late fees, and make it easier to build a consistent payment history. But like any financial tool, it’s worth understanding both the benefits and the tradeoffs before deciding whether it’s the right fit for how you manage your money.What autopay does for rentersA missed rent payment can trigger late fees, awkward conversations with a landlord, and, in worst cases, a report to collections that follows a renter’s credit history for years.The numbers show what’s at stake: RentRedi’s four years of rental payment data reveals that renters who use autopay hit a 99% on-time payment rate, compared to 87% for those who pay manually. Rather than an unwillingness to pay, that gap is more about small moments where life gets in the way, whether that’s forgetting a due date, traveling, or simply getting distracted during a busy week.Given that 64% of landlords in a December 2025 RentRedi survey consider rent late within four to seven days of the due date, using autopay eliminates the tension that occurs when a tenant misses that window, and their rent is considered late.Many renters seem to know this already. In the same survey, 29% said automatic payments are among the tools that help them most in paying rent on time, and 44% pointed to automatic rent reminders as the single most helpful factor. Reminders and autopay tend to work in tandem: One nudges you before the due date, the other makes sure the payment goes through even if the nudge doesn’t work.Unlike many financial habits that require spending more or saving more, rent is simply about making the payment you already have to make work harder for you.The credit-building bonusThere’s another reason autopay is worth considering, and it has nothing to do with avoiding a penalty. A growing number of renters are reporting their on-time rent payments to the three major credit bureaus — Equifax, Experian, and TransUnion — turning a monthly obligation into a monthly credit-building opportunity.Rent traditionally hasn’t shown up on credit reports the way a car loan or credit card payment does, which means years of responsible on-time payments can go completely unrecognized by lenders. Rent reporting closes that gap. TransUnion has found that renters who report a year of on-time payments see an average score increase of up to 26 points, and 60% see some increase after just their first reported month.Autopay and credit reporting tend to reinforce each other. RentRedi’s internal data shows that renters using its credit reporting feature see a 13% increase in on-time payment rates, and renters in the “poor to fair” credit range who use it pay on time 93% of the time, compared to roughly 80% for those who don’t. Pair automatic payments with that kind of reporting, and a renter is essentially building credit using money they were already going to spend.That matters beyond the score itself. A renter who moves from a nonprime score into prime territory can qualify for meaningfully better interest rates on everything from credit cards to auto loans to an eventual mortgage. Mortgage lenders, including Fannie Mae, Freddie Mac, and FHA, are increasingly factoring rent payment history into underwriting decisions, so a track record built now can pay off later.Where autopay gets more complicatedThe main hesitation renters have about autopay is a fair one: the fear of an overdraft on their bank account. There are a couple of practical ways around this. The most straightforward is to keep automatic rent reminders turned on even while using autopay, so there’s a heads-up a few days before the draft that gives a tenant time to check their balance and move money if needed.Autopay also works best when it’s part of a broader budgeting routine. Renters with variable income, multiple bank accounts, or shared household finances may want to schedule transfers ahead of time or choose a draft date that better aligns with their pay schedule. A few minutes of planning can help autopay deliver convenience without creating unnecessary financial stress.Some renters also choose to charge rent on a credit card rather than pay directly from their bank account, which separates the payment from immediate bank withdrawals and provides a short-term cash flow buffer. This can also double as a way to build card rewards, so long as the balance gets paid off in full each month to avoid interest charges eating into any points earned. One drawback: credit card payments usually carry a convenience fee, typically in the 2.5% to 3.5% range. This may negate any points earned, unless your card has a better return on points or provides high-value travel miles.Regardless of how you choose to pay rent, it’s always a good habit to periodically review your payment settings and confirm the account being charged still has sufficient funds, particularly after changing banks or updating payment methods.How rental owners are building this inRental owners don’t need to build this kind of system from scratch. Some property management platforms bundle autopay, automatic rent reminders, and credit reporting into the same portal renters already use to pay rent, so turning any of these on doesn’t require a separate app or a side agreement between renter and landlord.On the renter side, that means autopay can be set up directly alongside manual payment options, with rent reminder notifications going out in the days before the due date.What this means for rental ownersThe same data that benefits renters is also a cash flow story for the landlords collecting that rent. Predictable, on-time payments are the backbone of a rental business, and a portfolio full of autopay renters means fewer chasing calls, fewer late notices, and fewer surprises when a mortgage or maintenance bill comes due. For landlords, offering autopay, automated rent reminders, and credit reporting together is what drives the 99% on-time rent payment rate mentioned above.That’s likely why 41% of landlords in RentRedi’s survey already offer autopay as an option, and why many pair it with reminders and credit reporting rather than leaving collection to chance. The incentive math is straightforward: A renter who’s building credit or avoiding an overdraft has real motivation to keep a lease current, and that motivation shows up directly in a landlord’s on-time rate.The bottom lineSo, should you put your rent on autopay? For most renters, yes. The data makes the case clearly. When paired with rent reminders and credit reporting, autopay helps reduce the risk of missed payments while turning a routine monthly expense into an opportunity to strengthen your financial habits.This story was produced by RentRedi and reviewed and distributed by Stacker. |
| Sheriff Booker completed the 4-day ride to support families of officers killedSeveral Scott County roads will rise to a 60 mph speed limit under a new Iowa law, debunking social media rumors about the county's DOT route changes. |
| Cancer disparities researchers say federal funding changes have disrupted their workIn a survey, 93% of cancer researchers who study disparities said federal policy changes have affected them. Funding is harder to come by and they worry it's slowing progress in their field. |
| | New state newsroom launchesFrom left, FPI News team members Laura Lane, Lindsey Erdody, Dylan Peers McCoy and Carson Gerber on June 24, 2026, at Free Press Indiana headquarters in Indianapolis. (Photo by Jenna Watson/Free Press Indiana)Nonprofit news organization Free Press Indiana launched a statewide newsroom on Wednesday. Free Press Indiana News is a five-person newsroom, led by veteran editor Lindsey Erdody. It will publish content daily — via its website and social platforms and also deliver a weekly newsletter, The Lens, each Saturday morning. Free Press Indiana was created in 2023 to facilitate investments in journalism outlets around the state, especially those in underserved communities. It has created Mirror Indy, which focuses on local Indianapolis news, and funds Capital B Gary in northwest Indiana. FPI News will prioritize partnerships with an expanding network of trusted media outlets to support their efforts and meet readers where they are, a news release said. This approach allows the reach and relevance of journalism to extend across the state. “Our mission has always been to ensure Hoosiers everywhere have access to news and information that improves their quality of life,” said Bro Krift, Free Press Indiana CEO. “We are proud that the work of this newsroom will help to strengthen the overall news ecosystem in Indiana.” Prior to launch, the FPI News staff have published explainers on social media and articles on Substack about relevant issues like local backlash from surging electricity costs and the impact of the state’s gas tax holiday. “FPI News is focused on the stories that matter to Hoosiers,” said Erdody. “The role of this work is not to tell people what to think but to make sure they have something real to think about.” She also had this to say in a Wednesday morning email: “You likely won’t see our team at the Indiana Statehouse because what’s signed in Indianapolis doesn’t stay in Indianapolis. The policies decided there have consequences in all our local communities, and our team will talk to real Hoosiers all over the state to hear about what’s important to them. We will amplify those voices, those stories.” There are currently three reporters. Laura Lane covers rural communities and Dylan Peers McCoy and Carson Gerber are civic accountability reporters. Author Ashley Ford was hired in September as the Women and Girls reporter for Free Press Indiana and Mirror Indy. But she has since left and the position was reposted last month. Free Press Indiana content is free to republish under certain guidelines. Courtesy of Indiana Capital Chronicle |
| | The hidden cost of divorce in every US stateThe hidden cost of divorce in every US stateDivorce is one of the most financially consequential events a person can go through. The legal fees and court costs get most of the attention, but they rarely tell the full story. From filing a petition to splitting retirement accounts to maintaining two households where there was once one, the total price tag of ending a marriage often far exceeds what people anticipate at the outset. In this article, Skillern Firm Divorce & Child Custody Lawyers, a Texas family law firm, examined what divorce actually costs in every U.S. state — and why the biggest expenses often come after the decree is signed.According to Martindale-Nolo Research, the average cost of a divorce in the United States is $11,300, with a median of $7,000. Those figures, however, do not reflect a wide range of outcomes. For divorces that go to full litigation, costs can reach much higher.Where You File MattersState laws govern filing fees, waiting periods, mandatory mediation requirements, and how marital assets are divided. Each of those variables carries a price.In 2025, most state filing fees range from $70 to $435. That figure alone can differ by hundreds of dollars depending on where a couple lives. California has a $435 filing fee, with attorney fees averaging $13,800 for contested cases. Texas has a $300 average filing fee, with attorney costs running approximately $12,400. New York's filing fee averages $335, with legal fees that can reach $13,500.High-cost metro areas like New York, Los Angeles, and San Francisco have the highest hourly attorney rates, driven largely by the overhead costs of operating law firms in those markets. Midwest and Southern states generally offer more affordable legal services, though court filing fees still vary widely, sometimes even by county.At the lower end of the cost spectrum, states like North Dakota, Mississippi, Wyoming, and South Dakota consistently rank among the least expensive places to divorce, with North Dakota recording the lowest overall average divorce cost in the country.Contested vs. Uncontested: The Biggest Cost DriverWhether the parties agree on terms is, by most measures, the most consequential factor in what a divorce ultimately costs.According to the Martindale-Nolo survey of divorcing couples, an uncontested divorce where both spouses hired lawyers cost an average of $4,100, including attorneys' fees. Meanwhile, couples who handled an uncontested divorce themselves often paid only a few hundred dollars in court filing fees, which range from about $100 to over $400 depending on the state. A contested divorce, where at least one major issue remains unresolved, can run significantly higher and take considerably longer, with timelines often stretching a year or more depending on court schedules and the complexity of disputes.Among divorces that involved disputes but were ultimately settled without going to trial, average costs came in around $10,600. For those that proceeded all the way to trial, average costs climbed to $20,379 or more, per Martindale-Nolo Research.The issues most likely to push a divorce into contested territory are child custody, spousal support, and the division of significant assets. According to Clio, a legal technology company, the average hourly rate for a family law attorney in 2023 was $312, with rates varying significantly based on location, firm size, and experience.State-by-State Divorce Laws Add Another LayerIn the nine community property states, including Arizona, California, Idaho, Louisiana, Nevada, New Mexico, Texas, Washington, and Wisconsin, all earnings and assets acquired during the marriage are generally divided 50/50, with some exceptions.In the remaining equitable distribution states, courts divide assets based on a range of factors, which can introduce more unpredictability and, in some cases, more litigation. For couples with significant shared assets, the state where a divorce is filed can affect not just what each party pays in legal fees, but what they walk away with.Spousal and child support obligations add another financial variable that differs considerably by state. Some states set support amounts through rigid statutory formulas, while others give judges broad discretion to weigh factors like the length of the marriage, each spouse's earning capacity, and the standard of living established during the marriage.Child support calculations differ just as widely, with some states tying awards closely to each parent's income and others factoring in custody arrangements, childcare costs, and medical expenses. For higher-earning households, those differences can translate to obligations that stretch years or even decades beyond the divorce itself.Looking Beyond the Immediate CostsThe out-of-pocket costs of divorce are high. The long-term financial impact is often more significant.A Federal Reserve Bank of St. Louis analysis found that in 2022, women saw their income fall by 9% following a divorce, while men experienced a 17% decrease, with the steepest losses for men occurring in their 30s.Retirement savings take a particular hit. Researchers at the Center for Retirement Research at Boston College found that the share of households at risk of a lower retirement living standard is 7 percentage points higher for those with a history of divorce than for comparable households with no prior divorce.To put that figure in context, the Great Recession increased retirement risk by 9 percentage points. The effect is driven by a combination of factors: legal costs, the potential forced sale of assets in unfavorable market conditions, higher individual tax rates, and the ongoing expense of running two separate households on what was once a single income.Research from AARP has found that the standard of living for women who divorce after age 50 drops an average of 45%, while for men, the decline averages 21%.Once assets are divided, expenses tend to double: two homes to manage or rents to cover, two utility bills, and two car payments.What This Means for Anyone Facing DivorceThe financial impact of divorce extends well beyond court costs. Property division, support obligations, retirement account splits, and the compounding expense of two households can reshape a person's financial trajectory for a decade or more. The decisions made during the divorce process itself often carry as much weight as the legal fees paid to get there.This story was produced by Skillern Firm Divorce & Child Custody Lawyers and reviewed and distributed by Stacker. |
| 'Run Like A Rockstar' in downtown Rock IslandA new race is bringing runners, music and big hair to downtown Rock Island. The first Run Like a Rockstar 5K on Friday, August 14 at 6:30 p.m. will take participants along the Great River Trail, finishing near Arts Alley, 1719–21 Second Avenue. The race will be held during the Alternating Currents Festival and all [...] |
| | Cow manure could be the next data center fuelCow manure could be the next data center fuelAt first glance, Lent Hill Dairy Farm in Steuben County, New York, looks like most other industrial dairies. There are red buildings that house some 4,000 cows, a staggering manure pit and two gigantic domelike structures that serve as anaerobic co-digesters.These giant machines break down manure and local food waste to produce biogas. This renewable natural gas, or RNG, is then typically transported for use as electricity, heating and fuel. But at Lent Hill, the gas produced isn’t just heating homes or running tractors. It’s also powering an on-site cryptomine.The operation, run by Pennsylvania-based Ag-Grid Energy, is the first of its kind in the country. The company claims the anaerobic digestion of manure and food waste could be a game-changer, not only in powering crypto, but data centers, which currently use 4.9% of the country’s electricity, a figure that could double by 2030.“At the end of the day, our model is providing value to the rural area that we are in,” Rashi Akki, the founder and CEO of Ag-Grid Energy, tells Sentient.The project claims to recycle more than 45,000 gallons of food waste per day and the manure of 4,000 cows. “What we want to do is also provide, if possible through fiber optics, [the] value of the AI computing capacity to that same regional area,” Akki says.While Ag-Grid Energy wants to work with mid-sized dairies to create on-site power generation for small-scale data centers, the world’s largest technology players have bigger visions. Tech giants are increasingly searching for fossil-fuel alternative fuel sources to power hyperscale data centers that won’t put a strain on the grid.Biogas proponents — a broad coalition of industries, including agriculture, fossil fuels, utilities and waste management — are pushing renewable natural gas, sourced in part by manure digesters, as a sustainable way forward.In California, Microsoft has partnered with Enchanted Rock to use RNG for backup data center power. Vanguard Renewables, a waste management company and portfolio company of Black Rock, has touted RNG as “the fuel of the AI age.” Critics, however, fear the digester-to-data-center connection will give digesters an economic lifeline at a time when they’re struggling to stay online.Renewable natural gas from digesters are touted as a drop-in energy solution, Sarah D’Onofrio, a scholar and advocate who works with digester-impacted communities across the country, tells Sentient. This means the RNG can be used without changing existing fossil fuel based infrastructure, and can be added to other fuel sources like natural gas so companies could claim they are fueling data centers sustainably, according to D’Onofrio.But researchers like D’Onofrio argue that to truly reduce emissions, we need to transition to clean energy fuels rather than rely on renewable substitutes for fossil fuels.“Why would you want to incorporate that [RNG] into our fuel system during the period of climate change?” she says.D’Onofrio has helped communities in Wisconsin, Pennsylvania, Michigan, Georgia and North Carolina defeat proposals for large-scale co-digesters. She fears data centers are creating a new, massive market for the manure-to-energy industry, which could in turn incentivize the further proliferation of factory farms.“It attaches these industrial food operations into our energy system and makes us really dependent on them over time, because the more it becomes intermingled with agriculture, the more it’s going to concentrate agriculture,” says D’Onofrio.Animals raised on factory farms in the U.S. produce an estimated 941 billion pounds of manure each year, which pollutes air and water in communities all over the United States. In addition to problems with leakage, digesters do not make the manure disappear. The digested waste, or digestate, is meant to be recycled, potentially into a range of products, such as fertilizer and animal bedding. But there are a number of challenges with these downstream products: from economic to environmental. Digested manure can be more polluting than manure that hasn’t been digested, according to Department of Agriculture research.‘We Become Sacrificial Dumping Grounds’In 2023, Victoria Gehrke, a community organizer who owns recreational property in Lind, Wisconsin, learned that a leader in the waste-to-energy field had proposed a co-digester in the town, touting it as a way to manage manure and reduce waste.Gehrke and her fellow organizer Laurie Knutzen quickly discovered the impacts a co-digester would have on the community: hazardous air emissions, trucks going in and out delivering industrial food waste — and few restrictions about where that waste would come from — and water pollution. The project intended to send about 41,000 gallons of waste per day into a tributary of Walla Walla Creek, which empties into Lake Michigan.“These are manure and industrial food waste processing and biogas producing facilities, they are not ag accessories,” Gehrke says of co-digesters. “They don’t belong on ag land,” she explains, “and what they’re really doing is having our small rural communities — because we’re so vulnerable — we become sacrificial dumping grounds for the industrial waste that other big places don’t want to put in their communities.”After more than a year of relentless community opposition, the town of Lind denied Vanguard’s application in the spring of 2024. The organizers celebrated the decision as a win for Lind, but Vanguard is still “developing and operating” more than 50 co-digesters across the country. It aims to have more than 100 completed projects by the end of 2028.‘Data Centers Are Going to Be So Hungry for Power’Patrick Serfass, the executive director of the American Biogas Council, tells Sentient that biogas is an “excellent fit” for data centers in search of a reliable and high-capacity fuel source.“We’re really excited about the prospect of biogas systems being able to provide power to data centers, because they can provide that reliability,” Serfass says.Data center demand could lead to the expansion of co-digester buildouts across the country, he says. Serfass estimates that the U.S. has only built about 10% to 15% of the biogas market’s capacity.“The data centers are going to be so hungry for power that they could eat up pretty much all of the supply that the biogas industry could create,” Serfass says.Vanguard Renewables makes a similar pitch. “As energy demand from data centers continues to grow, there is increasing interest in solutions that are both reliable and lower carbon,” Vanguard Renewables tells Sentient in an email statement.The company is yet to partner with any data centers directly, but they have partnered with energy delivery companies like TotalEnergies and Enbridge, and both of these companies have relationships with hyperscalers and data center operators. In November 2025, TotalEnergies signed a 15-year deal with Google to provide solar energy to support the company’s data center operations in Ohio.Anaerobic digesters are not new. They have long been hailed as a way to reduce emissions, capture methane, and manage waste — a solution to agriculture’s methane problem with few tradeoffs.The technology has received billions in subsidies at both the federal and state levels. The California Low-Carbon Fuel Standard, a climate program implemented to incentivize the production of alternative fuels, funds nearly 200 digesters across 16 states; in 2023, Joe Biden’s Inflation Reduction Act provided over $150 million in funding to biogas projects across the country; and the Michigan Strategic Fund has approved more than $100 million in private bonds for digesters.Akki says tax credits are incredibly important in making Ag-Grid Energy’s projects a reality. While most of the subsidies given to digester projects have been to support electricity and fuel for transportation, she wants to see fiscal support specifically for co-digesters that power AI.“Tax credits — just like what we had with the Inflation Reduction Act — for electricity production for AI would really support our projects,” Akki says.But using taxpayer dollars to support digesters has lost favor with the Trump administration’s Department of Agriculture. In May, the USDA extended a 90-day moratorium on loans for anaerobic digesters through the end of the year, amid environmental concerns and delinquent loans. According to a review of USDA lender data by Inside Climate News, 11% of the 746 project lenders across the country were considered over 90 days delinquent.On top of this, a growing body of research raises questions about whether digesters make economic or environmental sense.Government subsidies for digesters create a “perverse incentive where the value of manure or animal waste starts to compete with the value of the milk,” Brent Kim, a researcher at the Johns Hopkins Center for a Liveable Future, tells Sentient. In other words, farmers are incentivized to produce waste for profit, not to produce milk for human consumption.Kim and his colleagues published a scientific review of the touted benefits and downsides of the controversial technology. “The reality is nuanced,” he says of digesters. While they can reduce methane emissions in the short term, they may also lead to an increase in ammonia emissions, toxic by-products, and other pollutants released into the environment, a phenomenon Kim calls “pollution swapping.”“So sure, all else being equal, you do have a reduction in methane, but if they’re incentivizing growth in the industry, the larger herd size is going to release more methane,” Kim says.Some research suggests digesters aren’t always effective at reducing methane either. As Sentient has previously reported, research from the World Resources Institute found that digesters offer limited climate benefit given their cost. Digesters reduce methane from manure storage by only about 25%, the WRI research found.A report from Friends of the Earth found that dairies with digesters increased herd sizes by 3.7% annually, or 24 times the growth rate of dairies without digesters. In Kewaunee County, Wisconsin, herd sizes grew by about 58% since they were installed.The trend comes as no surprise to Lynn Henning, a soybean farmer in Michigan who lives near a Chevron-owned co-digester. When manure becomes “more valuable than the milk,” it creates incentive for growth, and changes what farming is all about, she tells Sentient.“The system is changing farming. They’re shifting from producing food for people instead to producing manure so they can be paid more by the government,” Henning says.Kathy Morrison, a farmer in Fremont, Michigan, has similar concerns. She lived next to a co-digester for years, and it significantly impacted her quality of life. The smell was unbearable, sometimes so bad it woke her up in the middle of the night. She describes it as being at a giant music festival and all the porta potties are overflowing. That smell was digestate, the liquid solid waste that’s left over and spread on fields after the digestion process.Morrison is not against the technology of digesters themselves, particularly at the local level, but with so many private companies looking to make a profit, equitable implementation and scale is hard to control. Data centers (which come with their own environmental impacts) would likely expand those opportunities for profit.“I would be all in favor of small, very controlled, community size digesters, but when they’re large scale like this, and they’re operating for profit, corners get cut,” she says. But this is something else, she says. “All the different industries that have come together to turn this into something insanely profitable. … There’s just so many industries behind this. It’s wild.”This story was produced by Sentient and reviewed and distributed by Stacker. |
| | Public universities face escalating involvement from state lawmakersPublic universities face escalating involvement from state lawmakersJennifer Brooks, a history professor at Auburn University, had barely unpacked from a trip out of town in early June when the messages started blowing up her phone.Texts from colleagues and rumors on social media delivered the unsettling news: The Auburn Board of Trustees had voted to dissolve the school’s faculty senate and give itself ultimate authority over academic decisions, including curriculum.“What was really surprising … is the lack of knowledge that most of our faculty leaders had about the decision,” Brooks, who’s been teaching at Auburn since 2006, told Stateline.Faculty leaders across departments at Auburn — one of two flagship public universities in Alabama — said they learned of the proposal a day before the vote. The board approved the changes unanimously and without public discussion.“To have that (decision) be the sole product of the Board of Trustees, with no input from faculty, is really unusual,” Brooks said.The move at Auburn came two months after Alabama’s Republican-dominated state legislature passed a law curtailing the power of faculty senates at the state’s public colleges and universities. That law exempted Auburn and the University of Alabama, because their governing structures are enshrined in the state constitution. Some faculty felt Auburn’s eagerness to follow it anyway signals the board’s willingness to bend to political pressure.The Auburn trustees did not respond to a request for comment, though the board said in a statement that its new policy is “intended to advance academic quality, transparency, consistency and institutional alignment while preserving meaningful faculty participation.”Alabama isn’t alone. Since last year, states like Kentucky, Tennessee, Texas and Utah have enacted similar laws that give greater power to politically appointed boards and administrators while weakening tenure protections and faculty sway over curriculum and university leadership. In Indiana, the new state budget gives Republican Gov. Mike Braun full authority to appoint members of Indiana University’s Board of Trustees.Supporters of such measures frame them as efforts to hold taxpayer-funded public colleges and universities accountable at a time when many Americans are questioning the value of increasingly expensive college degrees. Many conservative lawmakers also say they are taking aim at liberal bias on university campuses.Multiple studies have found that professors tend to be liberal, though it’s less clear whether they are pushing their views in the classroom. In a 2022-23 survey by the Higher Education Research Institute at UCLA, nearly 56% of faculty described themselves as liberal or far left, compared with about 13% who said they were conservative or far right and roughly 32% who described themselves as “middle of the road.”“I think our institutions do need to be run, at a minimum, fiscally, as a business, so that we make sure that the money our taxpayers are pouring into … our universities is used and utilized in the correct way,” Kentucky Republican state Sen. Lindsey Tichenor said earlier this year before voting for a measure to allow the state’s public colleges and universities to fire faculty for financial reasons, such as low enrollment in a particular program or department or a budget shortfall.Opponents said the measure was a way for legislators to get around higher education tenure protections. Democratic Gov. Andy Beshear vetoed the bill, but lawmakers overrode him.Faculty advocates, free speech groups and unions warn the new wave of laws will chill academic freedom and make universities more susceptible to political influence.“Students, faculty and staff in almost every state have less say in how colleges and universities are run than they did a generation ago, and I don’t know if that resonates with members of the public,” said Barrett Taylor, a professor at the University of North Texas whose research focuses on higher education policy, finance and governance.“I do think most people probably don’t want to send their kids to a college where they feel like the politicians are in charge,” he said.Unprecedented powerOne of the most far-reaching of the new measures is a Texas law enacted last year that grants political appointees unprecedented power over the state’s public colleges and universities.University boards, which are appointed by the Texas governor, now have authority over hiring decisions of college administrators and more control over university curricula. The new law, passed by the Republican-majority state legislature, also limits the power of faculty senates and councils, shifting them to advisory-only roles.Texas Republican state Rep. Matt Shaheen, the bill’s sponsor, told his colleagues on the House floor last year that its goal is “to ensure degrees earned in Texas are of value and prepare our students for success, both in life and in the workforce.”The Senate sponsor of Texas’ new law was then-state Sen. Brandon Creighton, a Republican who became chancellor at Texas Tech University a few months after the bill passed. Using his authority under the new law, Creighton in April ordered the school to cancel academic programs centered on sexual orientation and gender identity, and directed faculty to recognize only “two human sexes.”In a recent survey by the Texas Tech University Faculty Senate, about half of the faculty who responded said they chose to alter their teaching content in response to memos from Creighton and another chancellor laying out new guidelines and restrictions on course content. More than half said they were considering jobs at other universities.Since the law was enacted, several professors at other Texas public universities have been fired: A Texas State professor was fired after speaking about political organization at a socialist conference; a Texas A&M professor lost her job after a video of her discussing gender identity with a student went viral; and a professor at the University of Texas, Austin, was dismissed from his senior vice provost role for “ideological differences.”Texas Republican Gov. Greg Abbott, in response to the vice provost’s ouster, said on X that “Texas is targeting professors who are more focused on pushing leftist ideologies rather than preparing students to lead our nation.”Model legislationTexas’ new law closely tracks model legislation shared in February by the Manhattan Institute, a conservative think tank. On its website, the institute argues that university board members “can act as a counterweight to the excesses of university faculty and administrators,” and that too much faculty autonomy has made campuses “insular and sclerotic.”State involvement is necessary, the institute argues, to hold universities accountable to the public. It says that required general education courses should be reviewed and approved annually by administrative boards to make sure they’re relevant and worthy of public investment.Distrust in higher education has become an election issue, John Sailer, the Manhattan Institute’s director of higher education policy, wrote in an email.“Legislation is a blunt-force instrument but it isn’t sufficient,” Sailer said. He emphasized that changes have to happen at the institutional level. “Concretely, this looks like giving boards a say in matters that reflect the university’s overarching mission, like the core curriculum.”But critics argue that everyone benefits from colleges and universities that aren’t subject to partisan politicization. They say the move toward top-down governance at universities will erode academic freedom and pressure faculty to align their research and teaching with ideological interests rather than independent inquiry.And university boards are increasingly chosen for political loyalty and wealth, rather than for commitment to the institution, said Hank Reichman, professor emeritus at California State University, East Bay, and former chair of an academic freedom committee at the American Association of University Professors.“I think people are naive if they think that (lawmakers’) political agenda will be limited to just getting rid of DEI and gender studies programs,” he said, adding that he’s seen interference in medicine and other sciences. “It’s really an attack on independent learning.”Action in multiple statesIn Indiana last year, lawmakers gave the governor sole appointing power over Indiana University’s board of trustees by slipping the language into a must-pass budget bill in the final hours of the legislative session. It also limited faculty boards to advisory-only roles.“The state has an interest in being sure that it (the university) is operated in the best way,” Indiana Republican state Rep. Jeff Thompson told his colleagues on the House floor last April. “And by the way, the governor would be the one that has to answer to the people.”Braun later exercised his new power by removing three members of the university’s board who’d been elected by school alumni under the previous system. Braun’s replacements included two conservatives: an attorney who previously worked on his campaign and a conservative commentator and former sports reporter who was suspended by ESPN in 2021 for statements about Barack Obama’s father and her company’s COVID-19 vaccine requirements.In April of this year, Tennessee also enacted a law increasing top-down governance by barring university leadership from taking faculty recommendations on disciplinary decisions. Under higher education’s tradition of shared governance, such decisions would usually involve input from a tenured faculty member’s peers.Lawmakers in other states also are exerting control over academic programs and degree requirements.Iowa Republican lawmakers inserted a requirement into a budget bill approved last month that undergraduate students at the state’s three public universities take both an American history course and one on American government in order to graduate. State lawmakers mandated that those courses at the University of Iowa must come through the Center for Intellectual Freedom, which they created last year to counter what they viewed as liberal bias in education.Utah passed a law this year that diminishes faculty control over exams and assignments, allowing students to request exemptions based on “sincerely held” beliefs, as well as a law that restructures university oversight.Ohio lawmakers this year tried to tie university funding to institutions’ compliance with a law they passed last year banning DEI efforts, but the bill died in committee.And in Kansas, the GOP-controlled legislature overrode Democratic Gov. Laura Kelly’s veto of a bill named for Charlie Kirk, the late conservative activist, that bans college free-speech zones that limit where students can protest or advocate for causes.The legislature also tucked a provision into its budget bill that bans public colleges from requiring students to take courses on “DEI-CRT,” the acronyms for diversity, equity and inclusion, and critical race theory, respectively.Suspicious of higher edRepublican lawmakers have been pushing some of the most visible changes, but both political parties are interested in exerting more control over higher education, said Taylor, the University of North Texas professor.“We’re not arguing that the two parties’ agendas for higher ed are commensurate or equally likely to have the same consequences,” Taylor said, “but we do think that both parties are suspicious of higher education and are seeking to exert more control over it, though in very different ways.”As a historian, Auburn professor Brooks said she and some of her department colleagues were not surprised to see political battles spill onto campus. The changes have been more jarring, she said, for faculty members in disciplines that are further removed from the culture wars, such as forestry or engineering.“There seems to be a sense from the (university) administration that the only faculty that are disturbed, unsettled, distressed about the situation are a small group of malcontents,” she said. “I think that’s a complete misconception. It’s widespread.”This story was produced by Stateline and reviewed and distributed by Stacker. |
| Learn about equine therapy at Rock Island County Fair demonstrationAn equine therapy demonstration will be held at 4 p.m. Saturday, July 18, at the Rock Island County Fair in the Indoor Cattle Show Barn, East Moline. You can learn how horses respond to human emotions and body language. Through guided equine-assisted activities, participants gain greater self-awareness, improve communication, reduce stress and develop healthier coping [...] |
| Geneseo officials to consider earlier construction start timeAldermen discussed the possibility of permitting construction work to begin at 6 a.m. to mitigate heat-related safety risks and maximize productivity. |
| Old rivals, new battle: Argentina and England clash in World Cup SemifinalOld rivals. New stakes. A World Cup final spot on the line. Argentina vs. England. |
| | The 4% flashpoint: Why Americans are quietly dumping traditional bank accountsThe 4% flashpoint: Why Americans are quietly dumping traditional bank accountsAmericans aren’t tied to their savings accounts anymore, and a new survey from Credit One Bank confirms it. According to the data, a majority of banking adults actively monitor and move their money to maximize their yields. Traditional banks, which have previously depended on long-term customer retention, may have to rethink their strategies.The 4% Switching ThresholdWhen asked what it takes to get consumers to move their funds, over two-thirds of respondents said a 4% annual percentage yield (APY) as the minimum. For Gen Z, that threshold was nearly 4 in 10. This benchmark puts the pressure on traditional banks. With the national average savings rate sitting at 0.38%, staying with a legacy institution costs a consumer roughly $900 a year in potential earnings on a $25,000 balance. The survey suggests that consumers are aware of this gap and view 4% as the baseline for a new savings account.Younger Savers Drive Account MigrationThe survey shows that younger consumers are more likely to move their funds, compared to their older counterparts. Roughly two-thirds of Gen Z respondents reported moving some of their savings to a different bank for a higher savings rate. Fewer than 3 in 10 Baby Boomers made a similar move.This division could be explained by mobile banking, the study states. While Gen Z manages their money from their phone, Baby Boomers are more likely to require a physical branch to move their money. This can make them less likely to change institutions, even if they want to.Expecting Parents Exhibit Highest Rate SensitivityThose preparing for a child were the most active rate shoppers in the study. Nearly 7 in 10 of pregnant or expecting respondents said they moved their savings to another bank in the last 12 months, compared to the 48% national average. Additionally, more than two-thirds of this group said they would leave their current bank immediately if their interest rate dropped by a single percentage point.The data indicates that the financial pressure of expanding a family serves as a catalyst for account management. Facing new household expenses, expecting parents are highly sensitive to interest rate fluctuations and are quicker to seek out higher-yielding alternatives.Churn Risk Hidden Behind Consumer HesitationFor bank executives, low immediate customer turnover can be misread as consumer satisfaction. The data suggests that a large segment of the market is simply waiting for a reason to leave.If a bank cut its interest rate by a full percentage point, less than 2 in 10 of consumers said they would switch banks immediately. However, two-thirds stated they would use the cut as a trigger to shop around and compare other options before deciding where to park their cash.The findings show that passive account maintenance does not equal loyalty. Two-thirds of consumers keep tabs on alternative options, and non-rate factors frequently break the tie. For instance, just over half of respondents noted that the total elimination of monthly fees would prompt them to switch banks even if the interest rates were identical.Survey MethodologyThe findings are based on an April 2026 study of 1,000 U.S. adults who own savings accounts or certificates of deposit (CDs). Respondents answered questions regarding their account monitoring habits, the specific interest rate drops that would cause them to switch institutions, and the non-rate factors that influence where they keep their money. Analysts evaluated responses across demographic categories including age, gender, and parental status.This story was produced by Credit One Bank and reviewed and distributed by Stacker. |
| | Can ADHD contribute to divorce? How ADHD symptoms affect marriage, child custody, and divorceCan ADHD contribute to divorce? How ADHD symptoms affect marriage, child custody, and divorceMore American adults than ever have an attention-deficit/hyperactivity disorder diagnosis. A 2024 Centers for Disease Control and Prevention report found that, in 2023, roughly 15.5 million U.S. adults, about 6% of the adult population, had a current ADHD diagnosis, with about half diagnosed for the first time in adulthood. Many of those adults are married, and a growing body of research suggests the disorder can place measurable strain on those marriages. In this article, WSM Law explains how ADHD symptoms can affect a marriage, why these challenges can contribute to divorce, and what legal options may be available for spouses navigating these situationsPeer-reviewed studies have consistently found lower relationship satisfaction in couples where one partner has ADHD. Longitudinal research following children with ADHD into adulthood, including work by psychologist Russell Barkley and colleagues, has documented elevated rates of separation and divorce compared with adults without the diagnosis. Researchers caution that ADHD does not doom a marriage; rather, untreated or unrecognized symptoms tend to produce recurring conflict patterns that couples often misread as character flaws.How Symptoms Show Up Inside a MarriageADHD is defined by persistent patterns of inattention, impulsivity, or hyperactivity that interfere with daily functioning, according to the National Institute of Mental Health (NIMH). Inside a marriage, those clinical terms translate into concrete friction regarding:Forgotten commitmentsUnfinished household projectsImpulsive spendingInterrupted conversationsDifficulty regulating emotion during disagreementsMarriage consultant Melissa Orlov, whose work on ADHD-affected couples is featured in ADDitude, a publication covering attention-deficit disorders, describes a trajectory many of these marriages follow. During courtship, the partner with ADHD often hyperfocuses on the relationship, making the other person feel like the center of their world. When that intensity fades after marriage, as attention naturally shifts elsewhere, the spouse can experience it as sudden abandonment, without either partner understanding that a symptom, not a change of heart, drove the shift.From there, couples frequently slide into what Orlov calls a parent-child dynamic. The partner without ADHD gradually absorbs the planning, reminding, and follow-through for the household, while the partner with ADHD faces a steady stream of correction. One spouse comes to feel like a manager rather than a partner; the other, like a perpetual disappointment.Orlov notes this pattern is among the most destructive in ADHD-affected marriages, and studies indicate it appears regardless of which spouse holds the diagnosis and regardless of gender; the division of executive function, not any traditional household role, drives the resentment.Misinterpretation compounds the damage. A spouse who zones out mid-conversation or forgets a promise reads as indifferent or careless, when the underlying cause is attention regulation. Clinicians writing on the subject emphasize that neither partner is behaving badly on purpose: Each is responding, often rationally, to the other's symptoms and reactions, creating a cycle in which symptom, response, and counter-response feed one another.What Can Help in Either RoleFor the spouse who has ADHD, NIMH research points to treatment as the starting point. Medication, cognitive behavioral therapy, and ADHD-informed coaching each show evidence of reducing symptom interference, according to NIMH. Within the relationship, practical structures carry much of the load: shared digital calendars, written agreements about finances, externalized reminders, and a habit of repeating back what a partner has asked before the conversation ends.For the spouse who does not have ADHD, much research-backed advice centers on separating the person from the symptom. Couples therapists who work with ADHD-affected marriages recommend scheduled, low-stakes conversations about logistics rather than in-the-moment corrections, along with a deliberate rebalancing of responsibilities so that one spouse is not silently absorbing all executive tasks. Resentment that goes unspoken, researchers find, does more cumulative damage than the symptoms themselves.None of these strategies requires assigning blame. Both partners are responding to a real neurological difference, and couples who treat it as a shared logistical problem rather than a moral failing report better outcomes.When the Marriage Ends AnywayAn ADDitude survey of readers in ADHD-affected marriages found that while few respondents were actively moving toward divorce, most had considered it at some point:10% said they were actively considering or pursuing divorce.38% of respondents with ADHD said their marriage had come close to divorce in the past.22% said divorce had crossed their mind.Only 31% of respondents with ADHD said they had never thought about divorce. WSM Law The survey included only couples who were still married, so the 10% figure understates how often these marriages face genuine strain. For comparison, the U.S. Census Bureau reports an overall divorce rate of 30.8%.When marriages do not survive the strain, ADHD can complicate the divorce itself. Deadlines, document production, and financial disclosure require sustained organization, which is precisely what the disorder impairs. Impulsive spending during the marriage may also surface in property division arguments, so spouses in either role benefit from assembling financial records early, before litigation accelerates.ADHD and Child Custody: Separating Myth From LawA persistent fear among diagnosed parents, particularly mothers, is that the diagnosis itself will cost them custody. Family law practitioners are consistent on this point: courts in every state generally apply a best-interest-of-the-child standard, which examines actual parenting capacity, not medical labels. A parent who manages their ADHD through treatment and meets the child's daily needs stands on the same footing as any other parent; the diagnosis matters only when untreated symptoms demonstrably affect the child, and documented treatment generally reads as a strength.When the child has ADHD, courts weigh which parenting plan supports treatment continuity, consistent routines across households, and cooperation on medication and school accommodations.The practical question in these cases is rarely the diagnosis itself but the documentation around it: treatment records, school communication, and evidence of day-to-day caregiving carry far more weight with courts than a label ever does.For couples still deciding whether the marriage can be repaired, researchers offer a measured conclusion. ADHD raises the risk of marital conflict, but the mechanism is specific and addressable. Couples who name the pattern, treat the symptoms, and redistribute the invisible workload change the trajectory. The diagnosis explains the friction; it does not dictate the outcome.This story was produced by WSM Law and reviewed and distributed by Stacker. |
| Meet Dixie: Sweet senior hound seeking a new home in the Quad CitiesDixieis up for adoption in Milan, Ill. |
| | More teens with cannabis use disorder are facing treatment delays, study findsA dispensary in St. Louis advertises to passersby. Nearly 34% of adolescents seeking treatment for cannabis use disorder in 2022 experienced an admission delay, according to a new study. (Photo by Rebecca Rivas/Missouri Independent)As federal officials consider whether to reclassify marijuana under federal drug law, a new study has found that more American teenagers seeking treatment for cannabis use disorder, known as CUD, are facing longer wait times before receiving care. The study, published in the American Journal of Preventive Medicine, analyzed national data from more than 124,000 adolescent admissions to publicly funded substance use treatment facilities between 2012 and 2022. Researchers found that after several years of decline, the share of young people experiencing delays in accessing treatment increased sharply. While overall adolescent cannabis use has leveled off or declined slightly over the past decade, some young people who use cannabis regularly develop CUD that requires treatment. About 11% of adolescents who use cannabis or marijuana develop CUD within a year, according to the study. With continued use, that risk rises to about 20%. Other research suggests that about 4.7% of adolescents aged 12-17 meet the diagnostic criteria for CUD, a condition in which marijuana use becomes difficult to control and begins interfering with daily life. According to the study, nearly 34% of adolescents, defined as children aged 12-17, seeking treatment for cannabis use disorder in 2022 experienced an admission delay — defined as waiting several days to more than a month after their initial request for treatment. The authors noted that elevated wait times in 2020 through 2022 may partly reflect COVID-19-related disruptions to treatment services, as well as increased demand for care. High-potency cannabis fuels state debates over psychosis and addiction risks “Just to address these delays, it will require coordinated efforts across health care,” said Yiota Kitsantas, the lead author of the study. Kitsantas is a professor of biostatistics and epidemiology, and interim chair of the Department of Health Administration and Policy at George Mason University. “Having proactive screening in primary care and school settings could promote early identification and hopefully then ensure timely access to care,” Kitsantas said. The percentage of adolescents reporting delayed treatment represents a significant increase from a low of about 25% in 2015. Longer waits also became more common: The share of adolescents waiting a week or more peaked in the years following the COVID-19 pandemic, with about 5% waiting at least 30 days to enter a treatment facility in 2022. Adolescents referred to long-term rehabilitation or intensive outpatient programs had significantly higher odds of experiencing delays compared with those entering acute detoxification services. The study also found differences in treatment delays based on living arrangements and referral sources. Youth living with parents or guardians experienced longer waits than unhoused youth, while adolescents referred by health care providers faced higher odds of delays compared with those who sought treatment themselves. Male adolescents had 11% higher odds of experiencing treatment delays compared with female adolescents. While older teens ages 15 to 17 accounted for most admissions, the increase in wait times from 2018 to 2022 was more pronounced among younger adolescents ages 12 to 14, according to the study. Non-Hispanic white adolescents had 29% higher odds of experiencing an admission delay compared with Hispanic adolescents. Black, Asian, and American Indian or Alaska Native youth had lower odds of experiencing delays than their Hispanic peers, according to the study. While moving marijuana from Schedule I to Schedule III could ease research restrictions, it would not immediately address local shortages or capacity issues within treatment systems. The potential shift also comes as states grapple with how to regulate increasingly potent cannabis products and address concerns about their potential links to cannabis use disorder and other public health impacts. During this year’s legislative sessions, several states considered proposals to change or lower cannabis potency limits, though most did not advance. In Connecticut, lawmakers reinstated a 35% THC cap on cannabis flower just weeks after removing it, citing concerns about the public health effects of increasingly potent products. And Oklahoma approved new packaging and labeling requirements aimed at preventing cannabis products from resembling candy or appealing to children. Stateline reporter Amanda Watford can be reached at awatford@stateline.org. SUPPORT: YOU MAKE OUR WORK POSSIBLE Courtesy of Stateline |
| | AI for employee burnout: How leaders can help, not harmAI for employee burnout: How leaders can help, not harm AI is changing how people work. For HR leaders, the question is whether that change will reduce burnout or quietly add to it.Leaders play a crucial role in whether AI becomes a source of relief or another demand on employees.What stands out most is the tension leaders are navigating. AI can free up mental bandwidth, reduce repetitive work, and create more space for higher-value thinking. It can also feel overwhelming and cause anxiety, especially when employees are asked to learn new tools without enough clarity, training, or trust.Employee burnout has long been fueled by always-on work, digital overload, and rising job complexity. AI adds another layer. It can help reduce the load, or it can become one more thing employees have to manage.As Spring Health explains below, the challenge for HR leaders is how to implement AI with enough care that employees feel supported by the change, not buried under it.Key takeawaysEmployee burnout is one of today’s most pressing workforce challenges, and AI is shaping how employees experience it.AI can reduce burnout when it removes repetitive work, improves access to support, and gives people more room to focus.AI can also create stress when adoption is rushed, unclear, or poorly integrated.How AI can reduce burnoutWhen implemented thoughtfully, AI can give employees more breathing room and more energy for the work that matters most. Spring Health The best use of AI is not simply to help people do more. It is to help people spend less time on work that drains them and more time on work that uses their judgment, creativity, and care.How AI can create burnoutAI can also add pressure if organizations adopt it without a clear strategy. Spring Health The emotional toll of constant adaptation is real. Employees may be excited about what AI can make possible and still feel exhausted by the pace of change.That is why AI adoption needs more than a rollout plan. It needs empathy, communication, and a clear connection to the problems employees are actually experiencing. Spring Health What leaders can doLeaders help determine whether AI becomes a source of relief or another source of exhaustion. Three steps matter most.Look inward. Use the listening mechanisms you already have, including engagement surveys, feedback channels, and team conversations, to identify your organization’s specific burnout drivers. Every workforce has a different mix of stressors.Align your leadership team. Create a clear AI philosophy: Where AI should be used, where it should not, and how decisions will be made. Without clarity at the top, even useful tools can create confusion.Prioritize with intention. Focus AI investments on the areas where they can reduce friction for employees and improve outcomes for the business. The highest-value use cases are the ones that make work clearer, lighter, or more supportive.AI should help people thrive, not just increase productivity.AI brings both promise and pressureWhen organizations listen first, align around a clear philosophy, and prioritize the use cases that reduce friction, AI can help open space for more meaningful, human-centered work.That is the opportunity in front of HR leaders — not to adopt AI for its own sake, but to use it in ways that protect people’s mental health and strengthen the systems around them.FAQCan AI really reduce employee burnout?Yes, when it is implemented thoughtfully. AI can reduce burnout by removing repetitive work, improving access to support, and helping employees spend more time on focused, meaningful tasks. It can also increase burnout if adoption is rushed or poorly integrated.What is the biggest AI-related burnout risk for employees?The biggest risk is poorly managed change. Employees may worry about job replacement, feel pressure to learn tools quickly, or experience frustration when new systems create more work instead of less.How can HR leaders use AI to support mental health?HR leaders can start by identifying where employees are experiencing the most friction, then prioritize AI use cases that reduce that burden. The goal should be clearer access, better support, and less administrative strain.Research from Spring Health’s 2026 Workplace Mental Health Annual Report suggests employees are already seeing AI’s upside when it improves access to support. When asked how AI affected their mental health related to getting mental health support, 35% said it improved their mental health, compared with 14% who said it worsened it.This story was produced by Spring Health and reviewed and distributed by Stacker. |
| | Cash or card? Your guide to debit card safety while travelingCash or card? Your guide to debit card safety while travelingIf you have plans to travel, you might be thinking about how you’ll pay for expenses while globetrotting. You have more than a few options — credit cards, prepaid travel cards and cash — but one of the safest and most convenient is your debit card, Ally Financial reports.Benefits of using a debit card while travelingTraveling with a debit card has several advantages.ConvenienceYour debit card is a great option because it allows you to access money directly from your bank. If your debit card is a branded VISA®, MasterCard® or other major credit card company, it can be used at millions of locations worldwide. Plus, if you find yourself somewhere that only accepts cash, you’ll be able to use your debit card to withdraw money from an ATM.SecurityIn the event that your card is lost or stolen, you may have the option to lock it via your account or an app.Minimize cash usageYou can access funds without having to carry around large amounts of cash.Avoid currency exchange feesUsing your debit card to withdraw local currency can help you avoid currency exchange fees when traveling internationally.How to prepare to use your debit card during travelIf you’re vacationing within the United States, your debit card will work exactly the same as it does at home. Using a debit card abroad is pretty easy with most banks, but there are some best practices to keep in mind.Notify your bank of travel plansWhile it’s not always required, it is recommended that you let your bank know, especially if you’re leaving the country. If you don't, your bank may mistakenly flag your card for fraudulent activity and interfere with purchases you are trying to make on the go.Pay attention to feesIt’s a good idea to budget for any possible fees. One of the more common is ATM usage.If you’re leaving the country, make sure to account for an international transaction fee of up to 1% if you need to get cash from an ATM outside the U.S.You’ll also want to look into whether or not your debit card levies a foreign transaction fee, which can tack on up to an additional 3% onto the purchase price when you’re abroad. Those fees would apply to anything you purchase on your trip, so they could add up quickly.Using your debit card safely abroadEnsure that you and your money remain safe while traveling in foreign countries by:Choosing secure ATMsMonitoring your account regularlyKeeping your bank’s contact information handy Avoid overdraft feesJust like at home, vacations can sometimes include unexpected expenses. Whether it’s a spur-of-the-moment souvenir splurge or a surprise medical emergency, you can’t plan for everything. If you’re using your debit card for extra travel costs, you run the risk of overdrafting your account and then facing the fees that often come with it. Building a buffer into your budget for those unforeseen events can keep you a step ahead, but make sure to monitor your account so you can make adjustments if needed.Safe travelsYour bags are packed and you’re ready to go, just don’t forget to let your bank know. As you set off on your next adventure, consider bringing your debit card along to help keep you on budget, provide additional security and keep your finances on track.This story was produced by Ally Financial and reviewed and distributed by Stacker. |
| 120 mph chase ends in crash, arrest of West Burlington manJustin Bessine, 22, was arrested after leading West Burlington police on a 120 mph chase and rear-ending another car. |
| Iowa joins multi-state settlement over 23andMe data breach after company’s bankruptcyIowa will get $430,000 in a huge $18M multi-state settlement with bankrupt 23andMe over the 2023 data breach that leaked genetic info to the dark web. |
| | Using home equity to pay off debt: Your options and how to decideUsing home equity to pay off debt: Your options and how to decideHigh-interest debt can be difficult to get ahead of, especially when there are credit card balances involved. Federal Reserve data shows more than $1 trillion in revolving credit card debt is currently outstanding across U.S. households, so you’re far from alone if you’re looking for ways to manage large balances.If you own your home, the equity you’ve built may provide a way to address those balances. Using home equity to pay off debt entails accessing a portion of your home’s value and using those funds to eliminate higher-interest obligations, such as credit card debt or medical bills.There is more than one way to accomplish this, including one method that doesn’t add a monthly payment. If you’re considering different ways to put your home equity to use, this guide from Splitero explains how using home equity to pay off debt works, the available options, and how to decide which approach best fits your goals.Key TakeawaysUsing home equity to pay off debt entails accessing the value you’ve built in your home and using it to eliminate existing balances.Home equity loans, HELOCs, and home equity investments all access home equity differently, but the biggest differences come down to whether you make monthly payments and how you qualify.Whether or not it makes sense to use home equity to pay off debt depends on the size of your balances, your monthly budget, and which financing structure is the best fit for you.Why homeowners use home equity to pay off debtHomeowners use home equity to pay off debt because it can quickly make an impact on high-interest balances, which can be expensive to carry over time. In the first quarter of 2026, the average APR on credit card accounts was 21.52%, according to Federal Reserve data. Meanwhile, data from TransUnion shows that the average American with credit card debt carried a balance of $6,715 in the fourth quarter of 2025. Together, those figures help explain why interest charges can make it difficult to make meaningful progress on paying down balances.For many, the goal is consolidation. Instead of managing multiple credit card balances, medical bills, or other obligations with different due dates and interest rates, they use home equity to pay them off at the same time. If you’re deciding which balances to tackle first, understanding the different types of debt and how to prioritize them can help.This approach can simplify your finances and, in some cases, reduce how much of each payment goes toward interest. You may also be looking to improve your overall financial picture by repairing your credit and creating more room in your monthly budget.Credit card debt is often the primary focus because it tends to carry the highest interest rates, but homeowners may also use home equity to address medical bills and other ongoing financial obligations.How does using home equity to pay off debt work?The first step to using home equity to pay off debt is understanding how much equity you may be able to access. The amount you can access depends on your home’s current market value, your remaining mortgage balance, and the financing option you choose.Home equity is simply the difference between what your home is worth and what you still owe on your mortgage. For example, if your home’s market value increases or your mortgage balance decreases, your available equity grows over time. You can calculate it by subtracting your remaining mortgage balance from your home’s estimated value.Once you’ve determined the amount of equity in your home, you then determine the financing option that works best for your situation. The qualification requirements that you must meet in order to access your home equity will vary depending on the option you choose.Home equity loans and HELOCs typically evaluate your credit score, debt-to-income ratio, and income history. Many lenders generally look for a credit score of at least 620, though requirements can vary by lender and program. At the same time, paying down revolving credit card balances may lower your credit utilization ratio, which can have a positive impact on your credit score over time. Results vary depending on your overall credit profile and account history.Home equity investments use a different model. Some providers do not require income verification and may accept homeowners with lower credit scores than traditional financing options.Once approved, you receive funds that can be used to pay off the balances you’re targeting.Ways to use home equity to pay off debtHomeowners typically use one of four methods to access home equity in order to pay off debt. The biggest differences between them are whether you’ll have a monthly payment, what their requirements are, and what you provide in exchange for accessing your equity.In general, home equity is best used on higher-interest balances that may take time to pay down on their own. For smaller balances or short-term debt that you might already be able to pay off reasonably quickly, the costs of accessing home equity may outweigh the benefit.Home equity loanA home equity loan provides a one-time lump sum that is repaid over a fixed term with predictable monthly payments. Homeowners often use this option when the full amount needed is known in advance, making it a common choice for consolidating multiple balances into one payment.Approval for a home equity loan typically depends on factors such as your credit score, income, debt-to-income ratio, and available home equity. Its fixed rate and consistent payment structure can make budgeting easier, but it also means taking on a new monthly payment secured by your home.Home Equity Line of Credit (HELOC)A HELOC is a revolving line of credit secured by your home that lets you access your home equity up to a set limit during a draw period, then repay it over time once the draw period ends.In practice, it works like a credit card backed by your home. Because you can draw funds as needed, some homeowners use a HELOC for expenses that may arise over time or when the amount they need is uncertain. It can also be useful for large one-time expenses that don’t typically accrue ongoing interest, such as medical bills.That flexibility can be helpful, but because most HELOCs have variable interest rates, your payment amounts can change over time, which might make long-term budgeting less predictable. Homeowners considering this option should also be prepared to meet the qualifications for a HELOC, which typically include sufficient credit scores, adequate proof of income, and home equity requirements.Cash-out refinanceA cash-out refinance replaces your existing mortgage with a new, larger mortgage and allows you to access a portion of your home equity as cash. Instead of adding a second loan, you refinance your primary mortgage and receive the difference between the new mortgage amount and what you currently owe.Some homeowners use a cash-out refinance to consolidate high-interest debt because it combines everything into a single monthly payment. It can also make sense if current mortgage rates or loan terms are favorable enough to improve the overall structure of your mortgage. Because you’re replacing your existing mortgage, however, your interest rate, monthly payment, and loan term may all change. Closing costs can also be significant, so it’s important to weigh the long-term costs carefully, especially if today’s rates are higher than the rate on your current mortgage.Home equity investmentA home equity investment (HEI), sometimes referred to as a home equity agreement, lets you access cash from your home equity without taking on a traditional loan or monthly payments. You receive a lump sum in exchange for a share of your home’s future value, which is settled when you sell, refinance, or choose to repurchase the investment.Because there are no monthly payments and qualification requirements are often more flexible than in traditional lending, an HEI can work well for homeowners who want to address high-interest debt without adding another bill to their monthly budget. Homeowners deciding between a HELOC and a home equity investment often weigh the tradeoff between making ongoing monthly payments and sharing a portion of their home’s future value.With an HEI, the amount you ultimately repurchase is tied to how your home’s value changes over time, which makes the outcome dependent on future market conditions.Is it smart to use home equity to pay off debt?Whether it is smart to use home equity to pay off debt depends on your situation. One important factor to consider is how it would affect your monthly budget. Home equity loans and HELOCs both add a monthly payment secured by your home. A home equity investment works differently, giving you funds upfront without monthly payments in exchange for a share of your home’s future value when the investment ends.That structure often drives the decision. If you’re comfortable taking on a predictable monthly payment, a loan or HELOC may fit. If avoiding another ongoing bill is the priority, a home equity investment may be a better match.These options can also depend on your financial profile. Traditional home equity loans and HELOCs typically require stronger credit, income verification, and sufficient home equity, while eligibility for home equity investments may be more flexible depending on the provider.When deciding, it can help to focus on a few key questions:How much room do you have in your monthly budget?Do you prefer fixed payments or no monthly payments?How much would you save compared to your current interest costs?Is the balance large enough to justify accessing equity?For smaller balances or short-term debt, options like a 0% balance transfer card or an unsecured personal loan may be more cost-effective. A credit counseling or debt management plan may also be worth considering in some cases.As with any financial decision, it’s important to weigh your options carefully and consider speaking with a financial advisor or legal professional to determine whether paying off debt using home equity fits your situation.Frequently Asked QuestionsCan I use home equity to pay off debt with bad credit or no income?Possibly. While home equity loans and HELOCs typically require income verification and stronger credit profiles, some home equity investment providers can pre-qualify homeowners with credit scores as low as 500 and do not require income verification.Will paying off credit cards with home equity affect my credit score?It can. Paying off credit card balances may lower your credit utilization ratio, which can help improve your credit score over time, though results vary.How is using home equity different from a debt management plan or balance transfer?Using home equity gives you access to the value you’ve built in your home, while debt management plans and balance transfer cards help you manage existing balances without using home equity. Those alternatives may work well for smaller balances, whereas home equity solutions are often better suited for larger, high-interest debt that can take years to pay off.I just bought my home. Can I still use my equity?Maybe. Whether you qualify depends on how much equity you’ve built, so homeowners who recently purchased may need to wait before certain options become available.This story was produced by Splitero and reviewed and distributed by Stacker. |
| | America’s friendliest statesAmerica’s friendliest statesThe ways in which Americans connect vary widely by state. A range of factors contribute to a place’s overall character, but the time residents spend socializing, volunteering and helping people outside their own homes can shape how friendly it feels.SmartAsset analyzed the 50 states by the number of minutes per day residents spend on these three “friendly activities,” using time and action as measures of how communities connect. The results offer a behavioral snapshot of where residents spend the most time engaging with others in their communities.Key FindingsThe Mountain West leads the rankings. Montana (No. 1), Utah (No. 2), and Wyoming (No. 3) took the top spots in the study, with residents of Montana averaging a nation-leading 95 minutes per day socializing, volunteering and helping others.Mountaineers are the most likely to help others. Although West Virginia ranked No. 24 overall, its residents spent more time than any others providing unpaid help to people outside their own homes, about 30 minutes per day.Rankings challenge some stereotypes. Despite its reputation for “Minnesota Nice,” Minnesota ranked No. 11, just outside the top 10. Washington, home to Seattle and its “Seattle Freeze” reputation, ranked No. 10.Three Northeast states in the top 20. Although residents of Northeastern states are not always seen as especially warm by outsiders, three states in the region made the top 20: Rhode Island, Massachusetts and Maryland. SmartAsset The 20 Friendliest StatesMontanaAverage Minutes Spent Socializing (daily): 43.36Average Minutes Spent Volunteering (daily): 35.62Average Minutes Spent Helping Others (daily): 15.89UtahAverage Minutes Spent Socializing (daily): 38.24Average Minutes Spent Volunteering (daily): 32.46Average Minutes Spent Helping Others (daily): 20.95WyomingAverage Minutes Spent Socializing (daily): 35.57Average Minutes Spent Volunteering (daily): 40.49Average Minutes Spent Helping Others (daily): 7.07OregonAverage Minutes Spent Socializing (daily): 53.74Average Minutes Spent Volunteering (daily): 14.85Average Minutes Spent Helping Others (daily): 12.36IllinoisAverage Minutes Spent Socializing (daily): 32.37Average Minutes Spent Volunteering (daily): 14.12Average Minutes Spent Helping Others (daily): 28.43Rhode IslandAverage Minutes Spent Socializing (daily): 52.15Average Minutes Spent Volunteering (daily): 5.33Average Minutes Spent Helping Others (daily): 17.35NebraskaAverage Minutes Spent Socializing (daily): 39.3Average Minutes Spent Volunteering (daily): 11.08Average Minutes Spent Helping Others (daily): 24.06North DakotaAverage Minutes Spent Socializing (daily): 35.5Average Minutes Spent Volunteering (daily): 24.61Average Minutes Spent Helping Others (daily): 12.88MissouriAverage Minutes Spent Socializing (daily): 43.44Average Minutes Spent Volunteering (daily): 16.05Average Minutes Spent Helping Others (daily): 11.86WashingtonAverage Minutes Spent Socializing (daily): 30.59Average Minutes Spent Volunteering (daily): 24.04Average Minutes Spent Helping Others (daily): 14.92MinnesotaAverage Minutes Spent Socializing (daily): 30.33Average Minutes Spent Volunteering (daily): 11.75Average Minutes Spent Helping Others (daily): 25.18MassachusettsAverage Minutes Spent Socializing (daily): 35.38Average Minutes Spent Volunteering (daily): 9.63Average Minutes Spent Helping Others (daily): 20.91WisconsinAverage Minutes Spent Socializing (daily): 36.51Average Minutes Spent Volunteering (daily): 8.46Average Minutes Spent Helping Others (daily): 20.86ColoradoAverage Minutes Spent Socializing (daily): 27.08Average Minutes Spent Volunteering (daily): 16.82Average Minutes Spent Helping Others (daily): 20.31MarylandAverage Minutes Spent Socializing (daily): 26.05Average Minutes Spent Volunteering (daily): 25.72Average Minutes Spent Helping Others (daily): 12.39MichiganAverage Minutes Spent Socializing (daily): 38.9Average Minutes Spent Volunteering (daily): 11.21Average Minutes Spent Helping Others (daily): 12.98TennesseeAverage Minutes Spent Socializing (daily): 33.82Average Minutes Spent Volunteering (daily): 9.45Average Minutes Spent Helping Others (daily): 19.53South DakotaAverage Minutes Spent Socializing (daily): 41.61Average Minutes Spent Volunteering (daily): 0.21Average Minutes Spent Helping Others (daily): 20.61HawaiiAverage Minutes Spent Socializing (daily): 26.3Average Minutes Spent Volunteering (daily): 14.84Average Minutes Spent Helping Others (daily): 20.98VirginiaAverage Minutes Spent Socializing (daily): 38.96Average Minutes Spent Volunteering (daily): 10.92Average Minutes Spent Helping Others (daily): 11.97MethodologyThis study uses data from the U.S. Bureau of Labor Statistics’ American Time Use Survey, extracted from IPUMS, over the most recent available four-year period. For each state, SmartAsset calculated the average daily minutes residents spent socializing, volunteering, and helping people outside the household. Those three measures were then equally weighted and summed to produce a total time value used to rank the states. Source data providers are not affiliated with, and do not endorse or sponsor, this study or its findings.Citation: Sarah M. Flood, Liana C. Sayer, Daniel Backman and Annie Chen. American Time Use Survey Data Extract Builder: Version 3.3 dataset. College Park, MD: University of Maryland and Minneapolis, MN: IPUMS, 2025. https://doi.org/10.18128/D060.V3.3This story was produced by SmartAsset and reviewed and distributed by Stacker. |
| CBI Bank & Trust announces new senior vice presidentCBI Bank & Trust has announced that Chris Crozier has joined the organization as senior vice president, chief technology officer, a news release says. Crozier brings more than 16 years of experience in financial institutions. Most recently, he was vice president of technology services at First Bankers Trust Company. Before that, he was vice president [...] |
| Illinois Housing Authority awards tax credits to senior housing development in GalesburgThe Illinois Housing Development Authority (IHDA) has awarded federal Low-Income Housing Tax Credits (LIHTC) to Burlington Terrace, a collaborative affordable senior housing development led by Bywater Development Group, Simmons Development Group, Beacon-SOCAYR, Graham Health System, and the City of Galesburg, a news release says. The award marks a major milestone for the development and advances [...] |
| East Moline man makes plea deal in Scott County human trafficking caseHe pleaded guilty to third-degree kidnapping and third-degree sexual abuse, with a sentencing scheduled for Oct. 15. |
| | How to whimsy-max your spaces with dopamine decor(BPT) - Key takeawaysWhimsy-maxxing is a growing lifestyle trend often found in home design.Adding special decor to your home helps create a playful, joyous feeling.MacKenzie-Childs decor features bold colors or patterns that are ideal for whimsy-maxxing.Whimsy-maxxing is one of today's most playful design movements. When everyday routines start to feel a little boring and bland, whimsy-maxxing is the solution. This home trend embraces touches of color and creativity, adding imagination and joy to your favorite spaces.Elevating your home and personal spaces with whimsical touches can impact your outlook and attitude. Some people call this dopamine decor because it can inspire happiness and positivity for you and your guests. This doesn't require major renovations — a beautifully patterned accent or thoughtfully handcrafted piece can instantly brighten a room and spark a whimsical feeling."Whimsy has always been at the heart of MacKenzie-Childs, long before it became a design trend," said Rebecca Proctor, Chief Brand Officer of MacKenzie-Childs. "We believe every home should reflect the people who live there, which is why our collections are designed to bring joy, creativity and personality to any space. Whether it's a colorful tea kettle, a patterned serving piece or an unexpected decorative accent, whimsical touches are an easy way to make a home feel more personal."What is whimsy-maxxing? Here are 5 simple tips to whimsy-max your home: Use playful patterns and creative colorsOne of the easiest and most impactful ways to whimsy-max a space is to add pattern and color. Embrace combinations that feel collected over time. Think colorful florals, vibrant striped hues or bold polka dots that instantly energize a room. MacKenzie-Childs' classic Courtly Check pattern is the perfect example of tradition with a twist, and is available in a variety of colors to suit your personality. Check out the gorgeous Emerald Check and viral Mocha Check for inspiration.Mix patterns with confidenceSay goodbye to the beige blahs! Pattern layering is often found within the whimsy-maxxing trend, so don't be afraid to experiment. For example, mix organic patterns and checks or stripes and dots. Pattern-on-pattern draws the eye and creates moments of happiness within a space. Designer tip: Incorporate a unifying color that appears in both patterns to ensure cohesiveness that looks intriguing and intentional.Whether it's a colorful tea kettle, a patterned serving piece or an unexpected decorative accent, whimsical touches are an easy way to make a home feel more personal.Rebecca Proctor, Chief Brand Officer of MacKenzie-ChildsAdd imaginative extras that bring you joyWhimsy is often found in the small extras that make everyday life special, so focus on adding decor and housewares that elevate life. For example, consider fun photo frames, delightful dishes with scalloped edges and smile-worthy mugs. MacKenzie-Childs's best-selling 2-Quart Tea Kettle, available in a variety of colors, is as much a visual feast for the eyes as it is an item you'll use often to create a moment of magic. The handmade details and artisan craftsmanship give whimsical spaces authenticity, making them feel curated instead of overly themed.Reach for refined accents to create cozy comfortA warm cup of your favorite tea. A soft blanket that inspires relaxation after a long day. Accent pillows that make your house feel like a home. Refined accents help you relax and get cozy, and are the perfect whimsical additions to any space no matter the season. Make the mundane more magical with special touches like these that personalize your home. These items also make great gifts for birthdays, holidays and other special occasions. Turn everyday gatherings into occasionsWhimsy-maxxing helps you enjoy your life to the fullest and can inspire you to share that feeling with others. Invite loved ones over and enjoy entertaining them with some fun and functional pieces. For example, patterned serveware, funky tablecloths and that perfect platter that inspires conversation. Think outside the box and consider using items in new ways for your gatherings, such as your teapot as a centerpiece or as a vase for fresh flowers. How to become a MacKenzie-Childs VIPIf you want the inside scoop on all things whimsical in home decor, consider signing up for MacKenzie-Childs Loyalty Rewards program. Joining is quick and easy, allowing you to earn rewards, discounts and early access to sales like the MacKenzie-Childs Barn Sale, July 16-20, with early access July 15. Visit www.mackenzie-childs.com/rewards to join today.Whimsy-maxxing infuses joy and imagination into your living spaces, transforming them into havens of happiness for you and your guests. There's no better time to explore unique artisan-crafted pieces that will elevate your home with whimsical charm. |