In this episode of CuriosiD, we begin to answer the question:

What happens to the Campus Martius tree after the holidays? 

… By first looking into where our Christmas trees come from.  

At Hillside Christmas Tree Farm in southern Michigan, the work of growing holiday trees begins long before December.

Tony Stefani runs the multi-generation family operation, and also serves as president of the Michigan Christmas Tree Association. He first became involved with the organization more than a decade ago, after his father brought him to a growers’ meeting.

“I had no idea how large this industry truly is,” he says. “There’s a farm in Michigan that sells a million trees annually. It’s quite astonishing when you consider the scale of this business.”

What customers want to know

Customers at Hillside Christmas Tree Farm often ask how long their trees will last. Stefani says a fresh-cut tree should hold up through the holidays. “I’ve received photos in mid-February showing trees still standing and even beginning to sprout new growth,” he says.

Another category of questions has to do with ornaments. “I’m very detail-oriented,” Stefani says. “If you have heavy decorations, I recommend certain species based on their characteristics.”

Tree height is also a growing topic, especially as more homes are built with vaulted ceilings. He says, “There is a strong market for tall trees…but taller trees are generally older [and take] more time in the ground, more effort, and higher costs.”

Better for the environment?

Questions about sustainability are becoming increasingly common, and Stefani believes the benefits of real Christmas trees are clear.

“We offer a product that spends seven to ten years growing in nature, supporting various microecosystems, ” Stefani says. “One acre of trees produces enough oxygen for 18 people.”

He contrasts that with artificial trees, which are “manufactured on assembly lines from petroleum-based materials,” arguing that there’s no environmental case in their favor.

Real trees are also biodegradable. He says that after the holiday season, a tree can be recycled and mulched. “On our farm, we recycle the waste and return it to the land, something that can’t be done with artificial trees,” Stefani says.

A Michigan tree heads to the White House

This year, Michigan earned national attention in the industry. “For the first time in 38 or 40 years, Michigan won the national competition,” Stefani says. Corson’s Tree Farm  will send a roughly 15-foot concolor fir to the White House.

“If you win the state competition, you can compete nationally,” he explains. “And if you win nationally, your tree is presented to the president and the first lady.”

Beyond the holidays

Hillside has become a hub for other members of the community. Beekeepers place hives on the property during the summer. Search-and-rescue teams train their dogs on the acreage. Falconers and professional photographers also make use of the farm.

“We’ve hosted hives for supporting pollination,” Stefani said. “Search and rescue training, falconry activities, and collaborations with photographers seeking scenic backgrounds are also part of what we do.”

It takes time to grow 

Stefani says one of the biggest misconceptions about the industry is how much time it takes for a Christmas tree to grow to commercial height. “I wish people understood how long these trees are actually in the ground,” he said. “The trees we harvested this year were planted back in 2016.”

As president of the Michigan Christmas Tree Association, Stefani says many growers worry about how difficult it is to enter the business, mainly because trees take years to mature before they can be sold.

“Our biggest competitor is the artificial tree,” he says. “Entering this business can be quite difficult for new growers. You’re typically looking at a 7 to 10-year period before you start recouping your investment.”

As the holiday season approaches, he says one of the things he wants those searching for the perfect Christmas tree to understand is the time, energy, and effort it takes to bring this holiday centerpiece to your home.

 

Stay tuned for the next CuriosiD, where we answer what happens to our Christmas trees after the holidays.

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The post CuriosiD: From seed to star, a Christmas tradition takes root appeared first on WDET 101.9 FM.

When the curtain rises on “Irving Berlin’s White Christmas” this December, it won’t just mark the start of Grosse Pointe Theatre’s 78th season. It will christen a new artistic home.

After nearly a decade of performing in borrowed and temporary spaces, the company steps into the gleaming, state-of-the-art Schaap Center with a production that celebrates community, honors veterans and embraces the heart of the holidays.

Running Dec. 5-21, this beloved musical offers everything audiences come to the theater for this time of year: romance, nostalgia, lavish costumes, spirited dance numbers, and, of course, Berlin’s timeless music. But behind the sparkle is a deeper message. It’s one that resonates strongly with this company and the community it serves.

A new stage, a new chapter

For Director Nick Marinello, this performance at the Schaap Center stage is both a milestone and a moment of gratitude.

“Stepping onto the Schaap Center stage feels like the culmination of eight years of creativity, resilience and gratitude,” Marinello said. “We’ve been itinerant performers for nearly a decade, and the Grosse Pointe schools graciously kept us alive during that time. Now, there’s this incredible sense of responsibility that comes with walking into our new performance home.”

That responsibility is woven through every design choice, every rehearsal and every collaborative moment among the cast and crew.

“The Grosse Pointe community, the Detroit community, and so many generous partners came together to make this space a reality,” Marinello added. “We feel called to be good ambassadors for the arts here.”

It’s a fitting sentiment for a production that centers on service, generosity and the bonds that hold people together, particularly during the holidays.

A story rooted in gratitude and service

Based on the iconic 1954 film starring Bing Crosby and Danny Kaye, “White Christmas” follows Army buddies Bob Wallace and Phil Davis as they pursue a pair of singing sisters to Vermont, only to discover that the failing inn where the women are booked is owned by their beloved former commander, Gen. Waverly. In true musical-comedy fashion, romance, laughter and heartwarming surprises ensue.

But beyond the snow-dusted charm and big dance breaks, the story has an emotional core that speaks directly to audiences and to this year’s creative team.

“For me, the song ‘What Do You Do With a General?’ captures the heart of those themes,” Marinello said. “It’s a poignant reflection on how retired service members can be celebrated for their heroism yet still overlooked when they return to civilian life. The show invites us to make sure our words of thanks aren’t hollow, but supported by real acts of service.”

Those themes hit especially close to home for Apprentice Director Kyle Weatherbee, an eight-year Marine Corps veteran who served in Hawaii and Okinawa. Weatherbee sees the musical not simply as a holiday classic, but as a story of reintegration and support.

“The Marine Corps has a way of humbling people through hardship, sacrifice and service,” he said. “Some of the characters in this production are navigating life after the military, trying to find purpose and joy again. I have walked that path and understand the struggles and triumphs of adjusting to a new normal.”

Weatherbee added that the show’s depiction of chosen family — the Army veterans who rally together for their general — reflects the real impact of community support. “At its core, ‘White Christmas’ is about people helping people. Acts of kindness can have a lasting impact.”

A GPT production through and through

While the story is timeless, the production itself is uniquely Grosse Pointe Theatre. A cast of 26 performers and a backstage crew of 25 bring the musical to life, supported entirely by the passion, talent and craftsmanship of volunteers.

“What makes this production uniquely GPT is the signature blend of artistry, craftsmanship and heart that comes from a volunteer-driven community,” Marinello said. “Every detail — the costumes, choreography, musical arrangements, and set design — carries that unmistakable ‘GPT touch.’ It’s the pride, care and collaborative energy that people in this community pour into a show.”

Audiences can look forward to all the classic visual hallmarks of “White Christmas” — elegant 1950s winter glamour, sweeping dance numbers, and musical favorites such as “Blue Skies,” “Sisters,” “Count Your Blessings Instead of Sheep,” and, of course, “White Christmas.” For many, these songs are woven into the fabric of the season itself.

In this production, they will be complemented by stunning costumes, vivid sets and “the kind of warmth only community theatre can deliver,” Marinello said.

In addition to the musical itself, audiences can enjoy festive pre-show entertainment. Metro Detroit choral groups will perform seasonal favorites 30 minutes before each curtain, and Santa and Christmas Carol will appear at select performances. Patrons are encouraged to arrive early to explore the theater and enjoy the amenities of the Schaap Center and the Manoogian Art Gallery.

For the broader GPT community, this production is more than the start of a new season; it’s the start of a new home.

“This marks a historic moment in our 78-year history,” said Linda Zublick, executive director of Grosse Pointe Theatre. “The move to a new performance home would not be possible without our dedicated members, passionate patrons, generous donors, and the vibrant community that has supported us every step of the way.”

Marinello echoes that sentiment.

“‘White Christmas’ is Grosse Pointe Theatre’s holiday card to the metro Detroit community,” he said. “Our way of saying ‘thank you’ for making a difference and supporting the arts. We invite everyone to celebrate this special season with us.”

As the company looks ahead, Marinello hopes this production sets the tone for the next chapter.

“I hope this production feels like a housewarming for us and for the audience,” he said.

If you go

What: “Irving Berlin’s White Christmas,” presented by Grosse Pointe Theatre

When: Dec. 5-21, with evening shows at 7:30 p.m. and Sunday matinees at 2 p.m. Pre-show choral performances begin 30 minutes before. Special Santa appearances on Dec. 11 and Dec. 14.

Where: Schaap Center for the Performing Arts, 15001 E. Jefferson Ave., Grosse Pointe Park

Parking: Free self-parking and complimentary valet

Tickets: gpt.org/whitechristmas, 313-881-4004, start at $29

Runtime: About 2 hours, 30 minutes, with an intermission

By ADRIANA MORGA

NEW YORK (AP) — Maybe your car broke down, your computer was stolen, or you had a surprise visit to urgent care. Emergencies are inevitable, but you can prepare to deal with them by building an emergency fund.

“There are so many things that happen in our lives that we don’t expect and most of them require financial means to overcome,” said Miklos Ringbauer, a certified public accountant.

The industry standard is to save three to six months of expenses in an emergency fund. However, this can feel daunting if you live paycheck to paycheck or if you have debt. But if you’re in either of these situations, it’s even more crucial to build a financial safety net that can help you in times of crisis.

“Emergency funds allow you to prevent further debt,” said Jaime Eckels, certified financial planner and wealth management leader for Plante Moran Financial Advisors.

Suppose you’re paying multiple credit cards and other loans. In that case, Rachel Lawrence, head of advice and planning for Monarch Money, a financial planning and budgeting app, recommends that you make the minimum payments while you build your emergency fund. Once you’ve hit an amount that feels right for your lifestyle, you can go back and continue tackling your debt more aggressively.

Whether you want to start an emergency fund or create better habits while you save, here are some expert recommendations:

Start with small milestones

The idea of saving for three to six months’ worth of expenses can be daunting, so it’s best to start with a smaller milestone. Lawrence recommends starting with a goal of saving $1,000, then moving on to save one, three, and six months of expenses.

The way you approach this goal can vary depending on your income and your budget. But starting with small, attainable goals can help you build an emergency fund without feeling financially strained.

“Starting small is okay. Even if it’s $20 right out of your paycheck, those small things can add up,” Eckels said.

She recommends building your emergency fund in a separate account from your regular savings account, ideally a high-yield savings account, which offers a higher interest rate than a traditional savings account.

Decide on the appropriate amount for your life

Knowing how much to save for your emergency fund depends on your life situation. Lawrence suggests you gauge your own financial responsibilities to estimate how much your ideal emergency fund should be.

For single professionals with no significant financial responsibilities, such as a mortgage or a car, the amount might be $2,000 to $3,000. At the same time, people with children and several pets might aim to save for six months’ expenses.

“There’s no one-shoe-fits-all solution. Everybody is different, especially if you have variable expenses on a monthly basis,” Ringbauer said.

Lawrence recommends that self-employed people maintain two emergency funds: one to buffer low-income months and another for true emergencies. To build your buffer account, Lawrence recommends setting aside some money during high-earning months.

“You set that amount aside in your buffer account until you have two or three months of the amount that you want, she said. “Because that way any month where you have less money, you go pull from the buffer and it’s no big deal.”

Automate your savings

Eckels recommends setting up automatic savings as a low-effort way to build your emergency fund.

Scheduling your savings to be withdrawn from your bank account as soon as your paycheck arrives is an effective way to build a savings habit without having to transfer the money manually.

“I always tell people if it was never in your bank account, you never had it, right?” Eckels added.

She also recommends that her clients open a separate account, one that isn’t at the same bank as their checking account, so they aren’t tempted to transfer the money in a non-emergency.

Make it visual

As you’re making progress towards your emergency fund goal, making it visual can help you stay motivated, according to Lawrence.

She recommends getting creative with how you track your progress, ideally with a method that brings you joy.

“You want your brain to get rewarded as often as possible when you’re seeing a bunch of progress,” she said.

Some options to make your progress visual include drawing a thermometer-like tracker and keeping it updated as you advance toward your goal, documenting your progress on a habit-building tracker on your phone, or using a budgeting app with a tracking tool.

Save windfalls

If your budget is really tight and you don’t have much wiggle room to set aside money for an emergency fund, Lawrence recommends saving windfalls.

“Unexpected chunks of money that maybe you weren’t expecting, like tax refunds or getting a third paycheck when you normally get paid twice a month, or a bonus, those are your best ways to make progress when you’re tight otherwise,” said Lawrence.

In general, Lawrence recommends that people keep 10% of their windfall for themselves and the rest for their emergency fund. With that breakdown, you can both save and feel rewarded by the unexpected income.

If you use it, don’t feel guilty

Chances are that an emergency will happen, and when it does, you don’t need to feel guilty for using your emergency fund, Lawrence said. Instead, it’s best to think about how you’ve achieved your goal of building a financial safety net for yourself.

“You wouldn’t feel bad about using your down payment to buy a house, you wouldn’t feel bad about saving for retirement, actually to retire,” Lawrence said.

The Associated Press receives support from Charles Schwab Foundation for educational and explanatory reporting to improve financial literacy. The independent foundation is separate from Charles Schwab and Co. Inc. The AP is solely responsible for its journalism.

The growing awareness of the value among parents wanting to develop and inspire their child’s interests is not only driving more companies to develop educational products but pushing sales.

According to a report by Global Market Insights the STEAM (Science, Technology, Engineering, Arts and Mathematics) toy market is projected to reach $13 billion by 2032. Among the toymakers meeting the demand is Assaf Eshet, CEO and founder of Clixo , a flexible, origami-inspired magnetic system that was recently named one of Time magazine’s Best Inventions of 2025. As an industrial designer who has worked for some of the top names in the toy industry, Eshet said his mission has always been to create toys that inspire exploration rather than dictate outcomes.

“Kids should have a real appetite for curiosity,” said Eshet. “Our job as parents, teachers and toymakers is to strike that nerve of wonder and keep it alive.”

That’s what Playmobil did for him as a child.

“I used to assemble them and then reassemble them to make them my own,” Eshet said during a phone interview from New York City.

Now children are taking his kits, assembling them as they are and then reimagining them to be something else.

“Things that we can’t even imagine they are already creating,” said Eshet, who launched the brand in 2020 with a few kits and has expanded it to include 20 kits ranging from $15 to $200. New this year for aspiring paleontologists is Dinosaur Adventure (6-up, $49.99).

“It’s an amazing set,” Eshet said, of the newest addition to the Clixo family featuring 36 pieces that can be used to make a variety of dinosaurs or whatever creature comes to mind.

“You can mix and match them, too,” said Eshet, whose Clixo brand is also in the running for the Toy Foundation’s Best Creativity Toy of the Year.

The company also earned the Best Creative Fun Award by Tillywig and was named to Toy Insider’s Top Holiday Toys list in 2023.

Clixo is a new favorite but the launch of STEM toys happened around the same time as the space race and the inauguration of the National Aeronautics and Space Administration in 1958.

“The scientific achievements of the next three decades from the moon landing, artificial heart, personal computing and cell phones all yielded a call for enhanced science education,” according to a report from Forbes. “The call was answered by the National Science Foundation (NSF), which established guidelines for the teaching of science, math, engineering and technology in grades K-12, introducing the acronym SMET. However, educators and policymakers found the term awkward and unappealing, evensuggesting it sounded like ‘smut’. So in 2001, the NSF officially rebranded the initiative STEM and more recently STEAM, as ‘Art’ was added.”

“A lot of parents are buying STEAM toys that have educational value and those toys become treasures,” said Julie Everitt, co-owner of Whistle Stop Hobby and Toy in St. Clair Shores, which has been in the business of selling toys for more than 50 years. Everitt said there are a number of cool new STEAM toys out this year including Rail Cube by Sanko Toys (3-up, $99.99-$199.99).

“The set comes with magnetic tubes that you connect to create a little monorail for a little engine,” Everitt said. “It’s a super cute set and it really goes.”

Another favorite at Whistle Stop is Hape’s Lock and Learn Playboard (3-6, $34.99), a wooden busy board featuring little exercises that teach kids meaningful tasks like how to unlock a latch or turn on a light. Among the STEAM toys growing in popularity among older kids is Rolife’s miniature kits ($49.99). Tweens and teens, even adults can build everything from little houses and book nooks to tiny greenhouses.

“Most of them are for ages 14 and up but we do carry some for 8-plus,” Everitt said, sharing but a few of the STEAM toys making this year’s hot list.

More toys

Looking for a few more toys. Check out our kids’ review of this year’s lineup of STEAM toys along with many others that are expected to make Santa’s Wish List inside the Homefront section and on our website.

The post Michigan Congresswoman Dingell fears Trump’s proposed limits to Clean Water Act appeared first on WDET 101.9 FM.

Detroit held a grand opening for the Violet T. Lewis Village senior apartment complex on Wednesday. It sits on the site of Michigan’s first and only historically Black college. The school was founded by a Black woman named Violet T Lewis. 

The Lewis College of Business offered courses in typewriting, bookkeeping, stenography, penmanship and office management. It was closed in 2013 amid Detroit’s bankruptcy and was re-opened as the Pensole Lewise College of Design and Business in partnership with the College for Creative Studies. 

Dr. Violet Ponders is Lewis’s granddaughter. She tells the story of how her grandmother started the school. 

“When she got out of school, she found it difficult to get the kind of job that she wanted. Then once she began to go and do some other things, she then found out that there were there was nobody that looked like her in offices doing office work. So, you know, she kept saying, we got to do something. We got to do something. So she did something. She founded the college in 1928. She was an educator, but yet she touched the souls of people in a different kind of way.

“One of the things she started was the March of Dimes fashion extravaganza, a group of community women here in Detroit raising money for polio. Everybody called her mommy TV. Those of us who were in the family, there was a certain place on the stairwell … where she stopped being mommy TV, and she became Doctor Lewis. And we would ebb and flow that way all of the time.” 

Violet T. Lewis was also one of the founders of the Gamma Phi Delta sorority. 

Fashioned in the sorority’s iconic baby blue and pink Dr Contessa Bell, the 14th president and CEO of Gamma Phi Delta says Violet T. Lewis’s impact echoed far beyond her lifetime. 

“She helped build a sisterhood rooted in service, leadership, business excellence, and empowerment through Lewis College of Business. She opened doors that many believed were locked. She championed education when it seemed like it was impossible, and during her time when it wasn’t easy, and especially for women.” 

Detroit City Council person Angela Whitfield Calloway is a member of the Gamma Phi Delta Sorority and has proposed more affordable housing in the city since taking office in 2021. 

She says Lewis had done more in the city than simply opening an HBCU. 

“She owned that property over there on John R and Ferry when Black folks were restricted from owning properties over there because of the restrictive covenants in the deeds. But she worked around that and opened that school.” 

The Violet T. Lewis Village is a senior apartment complex, with rents based on income starting as low as $427 for a one bedroom. To find out more about availability call 313-270-9150 or pvm.org.

Listen to the latest episode of the “Detroit Evening Report” on Apple Podcasts, Spotify, NPR.org or wherever you get your podcasts.

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The post Detroit Evening Report: Grand opening of Violet T. Lewis Village affordable housing project appeared first on WDET 101.9 FM.

Controversy among local leaders in Oakland County is brewing.

A Detroit Free Press investigation uncovered gaps in the county’s laws that allowed multiple officials to engaged in conduct that experts say is a conflict of interest. Commissioners in Oakland County voted on contracts for organizations where they were also employed.

Detroit Free Press Investigative Reporter Dave Boucher joined the show to explain why those gaps exist and how to close them.  

Listen to The Metro weekdays from 10 a.m. to noon ET on 101.9 FM and streaming on demand.

Subscribe to The Metro on Apple Podcasts, Spotify, NPR.org or wherever you get your podcasts.

Trusted, accurate, up-to-date.

WDET strives to make our journalism accessible to everyone. As a public media institution, we maintain our journalistic integrity through independent support from readers like you. If you value WDET as your source of news, music and conversation, please make a gift today.

Donate today »

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The post The Metro: Investigation finds potential conflicts of interest in Oakland County contracts appeared first on WDET 101.9 FM.

By Rachel SiegelThe Washington Post

President Donald Trump over the weekend floated an idea that took real estate agents, mortgage brokers and housing experts by surprise: the 50-year mortgage.

On Saturday, Trump posted an image on Truth Social titled “Great American Presidents.” It included a photo of President Franklin D. Roosevelt under the words “30-year mortgage” and a photo of Trump beneath the words “50-year mortgage.” (Mortgages were extended to 30 years in the 1940s as part of Roosevelt’s push to make home buying more affordable.)

Housing economists say the longer time frame could save buyers a couple hundred dollars a month, depending on the size of the mortgage and other details. But it would be costlier in other ways, including with more interest paid over a longer period of time. Implementing such a policy would also require tedious changes from regulators, plus buy-in from lenders and the broader housing finance industry.

So far, there’s little sense of how popular a 50-year mortgage would be. Here’s what we know so far.

– – –

What has the Trump administration said?

After Trump’s Truth Social post on Saturday, Bill Pulte, the administration’s top housing finance official, posted on X that “we are indeed working on The 50 year Mortgage – a complete game changer.” Pulte is the head of the Federal Housing Finance Agency who also made himself chair of mortgage behemoths Fannie Mae and Freddie Mac, companies that have been under government control since the 2008 housing crisis. Fannie and Freddie are essential to the smooth functioning of the U.S. mortgage market and together guarantee about half of existing home loans.

In a statement, a White House official who declined to be named said Trump “is always exploring new ways to improve housing affordability for everyday Americans. Any official policy changes will be announced by the White House.”

An FHFA spokesperson who also declined to be named said, “We are studying, and have not finalized, a wide variety of options related to multi year loans, including the ability to make mortgages transferable or portable. If banks can sell someone’s mortgage, we should at least explore if there are opportunities for regular Americans to have flexibility.”

One person close to the White House said the announcement came after Democrats swept in last week’s elections, in part on pledges to boost affordability for housing and more. But that person, speaking on the condition of anonymity because they were not authorized to discuss it publicly, said Trump’s social media post had no substantial policy behind it yet.

– – –

Would 50-year mortgages save buyers money?

With a longer timeline, home buyers have much more time to pay back a loan. And they would have lower monthly payments along the way. For example, let’s assume a home sells for $400,000. A buyer puts up 10 percent – or $40,000 – for a down payment. The buyer gets a 6.25 percent interest rate, slightly above last week’s 30-year fixed rate average of 6.22 percent.

That buyer would owe about $2,300 each month on a 30-year mortgage. On a 50-year loan, they would owe about $2,000. They might pay more than that, though – that math assumes a buyer gets the same rate for both mortgages, which is unlikely, since shorter loans typically have lower rates. So rates on 50-year loans could be higher than on 30-year ones.

A lower monthly payment could be beneficial for new buyers looking to get a foothold in the market. But it might also work against them if they are only planning on living in the house for a few years, or if they don’t know how their needs will shake out across decades.

– – –

What about potential drawbacks?

Buyers’ monthly payments may be lower, but they’ll end up paying much more interest over two more decades. With a 50-year loan, total interest on that $400,000 home would amount to $816,396, compared with $438,156 on a 30-year loan. That’s 86 percent more interest over the life of the loans, said Joel Berner, senior economist at Realtor.com.

And it will take much longer for owners to build equity. Ten years into paying off a 30-year mortgage on that $400,000 home, an owner would have a 24 percent stake in a house, setting aside rising home values. With a 50-year mortgage, that would be 14 percent.

Berner said addressing the nation’s affordability problems will take lots of ideas, including how to generate more construction so there are enough homes to meet Americans’ needs. But a new mortgage offering could juice demand before supply can catch up – which would push prices even higher.

“This is a creative way to solve this problem,” Berner said, “but I don’t think it addresses the fundamental issues that we have.”

– – –

What would it take to offer a 50-year mortgage?

Establishing a new kind of mortgage could be possible, albeit complex, wrote Jaret Seiberg, managing director at TD Cowen, in a Monday analyst note. The Dodd-Frank Act – the landmark legislation that reformed the financial system after the 2008 financial crisis – says mortgages that exceed 30 years do not meet the definition of a qualified mortgage, which also means Fannie and Freddie can’t buy them.

But regulators have the ability to alter those qualifications to keep mortgages affordable. All told, the process could take at least a year to implement, Seiberg wrote, and it’s unlikely that lenders would originate 50-year mortgages without clear policy changes first.

Without changing the qualifications, the new loans could be hard to find – and more expensive. Lenders may be less willing to offer 50-year mortgages if they know Fannie and Freddie can’t buy them, a spokesperson for the Mortgage Bankers Association said in a statement. Limited interest from investors could also push interest rates up.

– – –

What’s next?

Any details from the White House or FHFA would be needed for the market to prepare for such a change. Joe Brusuelas, chief economist at RSM, said that for now, the administration’s posts appear to be more about messaging than substantial policy. But, Brusuelas said, younger generations “may look at this differently.”

“If they think they’re saving $300 or $400 a month, then that’s a big deal,” he said. “That covers the car payment, maybe.”

Q: We have a question for you regarding our bathroom. We want to convert our bathtub to a shower stall so we do not have to lift our legs so high to get in and out. Will it be harder to sell our house in the future without a bathtub?

A: I wouldn’t worry about it. If making this change allows you to stay and enjoy your home for years to come, then do it for your needs. When you sell, you could change it back to a tub or give an allowance to the buyer if it becomes an issue.

Home maintenance tip

I would like to vent a little here — about clothes dryer venting. I go into many homes, and whether it’s as a buyer’s agent or as a seller’s agent listing a home, I always look at the appliances, including the washer and dryer. When I look at the dryers, I observe what kind of ducting it has. There is flexible (looks like a flimsy accordion style, which is usually white vinyl or foil), semi-rigid (looks like a flexible aluminum tube) and then there is rigid (looks like the sheet metal ductwork you would see on your furnace). According to the National Fire Protection Association, in 2014-2018, local fire departments responded to an average of 13,820 home structure fires per year in which dryers were involved in the ignition. These fires caused an average of seven civilian deaths, 344 civilian injuries, and $233 million in direct property damage annually. The main issue for dryer ducts is that lint goes through them while still containing some moisture, and it sticks to the walls of the ducting.

You might think that the lint trap stops all lint, but it does not. The flexible and semi-rigid ducting, because of the ribs, are more prone to catching lint than the smooth rigid metal ducts. The danger is when the interior of the ducting gets coated with lint and the dryer gives off a spark or high heat that can ignite the lint, causing a fire in the ductwork. If you have a flexible duct, it’s going to quickly melt and possibly allow the fire to spread in your home. A semi-rigid is a little more fire resistant, but it is not as good as the rigid sheet metal type. Not only is it important to have the best ductwork, but it’s also important to have the ductwork cleaned and to have the inside of the dryer cleaned, as well. According to NFPA, one-third of dryer fires were caused by a failure to clean.

Market update

September’s market update for Macomb County and Oakland County’s housing market (house and condo sales) is as follows: In Macomb County, the average sales price was up by almost 5% and in Oakland County, it was up by more than 5%. Macomb County’s on-market inventory was unchanged at 0% and Oakland County’s on-market inventory was up by more than 5%. Macomb County’s average days on market was 29 days and Oakland County’s average days on market was 25 days. Closed sales in Macomb County were up by more than 2% and closed sales in Oakland County were up by more than 4%. (All comparisons are month to month, year to year.)

By the long-standing historical definition from the National Association of Realtors, which has been in existence since 1908, a buyer’s market is when there is a seven-month supply or more of inventory on the market. A balanced market between buyers and sellers is when there is a six-month supply of inventory. A seller’s market is when there is a five-month or less supply of inventory. Inventory has continued to stay low. In September, the state of Michigan’s inventory was at 2.8 months of supply. Macomb County’s inventory was at 2.4 months of supply and Oakland County’s inventory was at 2.5 months of supply. By definition, it’s still not close to a buyer’s market.

Steve Meyers is a real estate agent/Realtor at Realty Executives Home Towne in Shelby Township. He can be contacted with questions at 586-997-5480 or emailed at Steve@MeyersRealtor.com. You can also visit his website at  AnswersToRealEstateQuestions.com.

By GLENN GAMBOA, AP Business Writer

NASHVILLE (AP) — Richard Casper shakes his head as he touches one of the boarded-up windows in the once-abandoned church he plans to transform into a new 24-hour arts center for veterans.

The U.S. Marine Corps veteran and Purple Heart recipient said he was an arm’s length away from military officials, including Defense Secretary Pete Hegseth, at Marine Barracks Washington when he learned the former church his nonprofit CreatiVets just purchased had been vandalized.

The physical damage to the building and its stained glass windows saddened Casper. But what worried him more was that the church had remained empty since 2017 without damage. That vandalism came just weeks after CreatiVets bought it, suggesting that maybe he and the veterans in his program were not welcome.

“I almost just left,” Casper said. “It put me in a weird headspace.”

However, Casper, 40, a CNN Heroes winner and Elevate Prize winner, needed more support for the center — “a place to go when the PTSD hits.” Like so many veterans, he said his PTSD, caused by seeing a close friend die on patrol in Iraq, would generally come in the middle of the night, when the only places open are bars and other spaces that can be ”destructive.”

He figured a 24-hour center where veterans could engage in music, painting, sculpture, theater and other arts could help. It could “turn all that pain into something beautiful.” The artistic element factored in when Casper, who suffered a traumatic brain injury while serving in Iraq, returned home and found it hard to be in public — unless he was listening to live music.

So he completed his mission that night in Washington, introducing new people to CreatiVets’ work. Then, Casper returned to Nashville to practice what he has preached to hundreds of veterans since his nonprofit opened in 2013. He asked for help.

And help came.

Within weeks, CreatiVets’ Art Director Tim Brown was teaching a roomful of volunteers how to create stained glass pieces to replace those that were vandalized. Brown said the volunteers wanted to give back to the organization, “but also because of the impact that these activities have had on them.”

Gary Sinise believes in art’s impact

Gary Sinise values that impact. The actor, musician and philanthropist had already signed on to donate $1 million through his foundation to help CreatiVets purchase the building. Sinise’s involvement encouraged two other donors to help finalize the purchase.

The “CSI: NY” star said he believed in CreatiVets’ work and had already seen a similar program in his hometown of Chicago help veterans process their wartime experiences.

“In the military, you’re trained to do serious work to protect our country, right?” Sinise said. “If you’re in the infantry, you’re being trained to kill. You’re being trained to contain any emotion and be strong.”

Those skills are important when fighting the enemy, but they also take a toll, especially when veterans aren’t taught how to discuss their feelings once the war is over.

“Quite often, our veterans don’t want any help,” Sinise said. “But through art – and with theater as well – acting out what they are going through can be very, very beneficial.”

David Booth says he is living proof of how CreatiVets can help. And the retired master sergeant, who served 20 years in the U.S. Army as a medic and a counterintelligence agent, wishes he participated in the program sooner.

“For me, this was more important than the last year and a half of counseling that I’ve gone through,” said Booth. “It has been so therapeutic.”

After years of being asked, Booth, 53, finally joined CreatiVets’ songwriting program in September. He traveled from his home in The Villages, Florida, to the historic Grand Ole Opry in Nashville, to meet with two successful songwriters – Brian White, who co-wrote Jason Aldean’s “Blame It on You,” and Craig Campbell, of “Outskirts of Heaven” fame – to help him write a song about his life.

Booth told them about his service, including his injury in Iraq in 2006 when the vehicle he was in struck an improvised explosive device and detonated it.

He suffered a traumatic brain injury in the explosion, and it took months of rehab before he could walk again. His entire cervical spine is fused. He still gets epidurals to relieve the nerve pain. And he still suffers from nightmares and PTSD.

In Iraq, Booth’s unit was once surrounded by kids because American soldiers used to give them Jolly Rancher candies. Snipers shot the children in hopes the soldiers would become easier targets when they tried to help.

“Things like that stick in my head,” Booth said. “How do you get them out?”

He also told them about his desire for a positive message and Combat Veterans to Careers, the veteran support nonprofit he founded. Those experiences became the song “What’s Next.”

Booth hopes “What’s Next” becomes available on music streaming services so others can hear his story. CreatiVets has released compilations of its veterans’ songs since 2020 in cooperation with Big Machine Label Group, Taylor Swift’s first record label. This year’s collection was released Friday.

“It’s almost like they could feel what I was feeling and put it into the lyrics,” said Booth, after hearing the finished version. “It was pretty surreal and pretty awesome.”

Why Lt. Dan from ‘Forrest Gump’ launched a nonprofit

Sinise has seen the unexpected impact of art throughout his career. His Oscar-nominated role as wounded Vietnam veteran Lt. Dan Taylor in “Forrest Gump” in 1994 deepened his connection to veterans. His music with the Lt. Dan Band expanded it. In 2011, he launched the Gary Sinise Foundation to broadly serve veterans, first responders and their families.

“I think citizens have a responsibility to take care of their defenders,” he said. “There are opportunities out there for all of us to do that and one of the ways to do it is through multiple nonprofits that are out there.”

Sinise immediately connected with CreatiVets’ mission. When the idea came to dedicate the performance space at the new center to his late son Mac, who died last year after a long battle with cancer, Sinise saw it as “a perfect synergy.”

“Mac was a great artist,” he said. “And he was a humble, kind of quiet, creative force… If Mac would have survived and not gone through what he went through, he’d be one of our young leaders here at the foundation. He would be composing music and he’d be helping veterans.”

Mac Sinise is still helping veterans, as proceeds of his album “Resurrection & Revival” and its sequel completed after his death, are going to the Gary Sinise Foundation. And Gary Sinise said he discovered more compositions from his son that he plans to record later this year for a third album.

After the new center was vandalized, Casper said he was heartbroken, but also inspired knowing part of the center was destined to become the Mac Sinise Auditorium. He decided to take pieces of the broken stained glass windows and transform them into new artwork inspired by Mac Sinise’s music.

“I told you we’re going to go above and beyond to make sure everyone knows Mac lived,” Casper told Sinise as he handed him stained glass panes inspired by Mac Sinise’s songs “Arctic Circles” and “Penguin Dance,” “not that he died, but that he lived.”

Sinise fought back tears as he said, “My gosh, that’s beautiful.”

As he examined the pieces more closely, Sinise added, “I’m honored that we’re going to have this place over there and that Mac is going to be supporting Richard and helping veterans.”

Associated Press coverage of philanthropy and nonprofits receives support through the AP’s collaboration with The Conversation US, with funding from Lilly Endowment Inc. The AP is solely responsible for this content. For all of AP’s philanthropy coverage, visit https://apnews.com/hub/philanthropy.

By Lauren Schwahn, NerdWallet

Work takes up a big chunk of our lives. In an ideal world, all of the time and energy we spend working would be met with riches and endless satisfaction.

But in reality? Burnout and job fears are rising. Between a slew of layoffs, a government shutdown, a changing economy and a shift toward artificial intelligence, it’s no wonder people are feeling uncertain.

Trust me, I get it. I’m a writer. I’d be lying if I said I’ve never worried about being replaced by AI.

So how do we overcome these work-related challenges? I asked career coaches for their advice.

Protect your time

As a full-time employee and parent of two young kids, I know how quickly the day can disappear — and how hard it is to feel like you’re making progress on an endless list of tasks. Structure helps.

Using your time intentionally is a “superpower,” says Ally Meyers, a certified executive and positive psychology coach in Saratoga Springs, New York.

Meyers encourages time blocking, a method where you carve out chunks of time in your day for specific tasks, such as deep work on a project or responding to emails.

Prioritizing tasks can be tough when everything feels urgent. Start by setting some goals, Meyers suggests.

“Keep three top of mind as you work your way through the week, and have those be your non-negotiables,” she says.

Time blocking is also a useful tool for practicing self-care and avoiding burnout.

“We talk a lot about time management for our calendars, time management, for work. But what about time management for ourselves, just as people and humans, to decompress or release?” says Crystal Barrow, executive career and leadership coach in Stamford, Connecticut.

Make space for the things that recharge you. Go for a 20-minute walk each morning or attend a weekly yoga class. Mark yourself as unavailable on your calendar, and turn off notifications during that window.

“Take care of yourself, because if not, then ultimately you won’t be able to deliver in the way that you want to” or that your employer expects you to, Barrow says.

Turn fear into a plan

It’s normal to worry about what could go wrong in our careers, such as a layoff or getting passed over for a promotion. Planning for those what-ifs can help you feel more in control.

That might involve beefing up an emergency fund or polishing your resume.

Barrow recommends keeping a results “go bag,” a running digital file that includes your professional wins, metrics or outcomes, and positive feedback. Just don’t store it on your work computer.

“When layoffs, promotions, or new opportunities come up, you already have proof of your impact instead of scrambling to remember what you’ve done,” she says.

And if the rise of AI technology makes you feel uneasy? Start by embracing it. Learn the landscape and explore tools that could help you be more effective in your current or future role, says Brian Pulliam, a tech career coach and founder of Refactor Coaching in the Seattle area.

Think of AI like an intern, he says.

“If I had access to an intern who I trusted to go do this stuff as long as I could review it at the end, what would I delegate to it?” Pulliam says. Maybe you’d pick a marketing plan or a research topic.

Whenever you’re about to do something, ask yourself, “Is this something AI can help with?” Pulliam says.

Take small steps before big leaps

If you’re feeling stuck or unhappy at work, you may be considering quitting your job. But it’s important to regulate your emotions before making a drastic decision, Meyers says, especially in a tough job market.

“Often, we make a jump thinking that our circumstance is going to be different elsewhere,” Meyers says. “But really, it may be the way that we’re working, and it may be the environment that we are in, not necessarily the job itself.”

Reflect on what’s missing or causing you stress. Then, think about whether you can bridge the gap by building skills or having candid conversations with your team, Meyers says.

But staying put isn’t always the right move. If you decide it’s time for a change, look for low-stakes ways to make the transition.

For example, Pulliam — with a mortgage and family to support — started coaching clients part-time before leaving his job in the tech industry.

“You can learn about new fields, and talk with humans, and do some stuff on the side, and see how you like it,” he says.

Make yourself visible

Whether you’re trying to land a new job or prove your worth to your current employer, getting noticed is key.

“Communicate one visible win each week, and make sure the right people see it so you are seen, heard and valued,” Barrow says.

Making your accomplishments known can boost motivation and get you the recognition you deserve.

“If no one knows about them, then how can you get credit for it? How can you ask for the promotion or the raise?” Barrow says.

Know your audience, she adds, and communicate in a way that resonates with them. Your manager might prefer coffee chats, quick one-on-ones or status update emails, for example.

This approach can help you crush interviews, too.

Sharing lots of details about what you’re good at, and what sets you apart will make you “way more memorable than the average applicant,” Pulliam says.

Tap into your network

Professional organizations, alumni groups and other networks can connect you to mentors, job leads and career development tools.

Personally, I lean on networks for skill-building. Co-workers have sent informative webinars and online journalism courses my way.

For others, building relationships might lead to a new job.

“The last three jobs I got — Microsoft, Zillow and Coinbase — are all because of people,” Pulliam says. “It’s not because I was some brilliant person that nobody had heard of. No, I knew somebody there that helped me get in, in all three cases.”

The best way to stand out in this job market is to talk to people, Pulliam says.

You can find simple ways to build your network.

“Connect with mutual colleagues on LinkedIn. Talk to humans and see if you can have a person let you in the side door of a building through a referral of some kind,” Pulliam says.

For all the talk about automation, there’s still power in human connections.

Lauren Schwahn writes for NerdWallet. Email: lschwahn@nerdwallet.com. Twitter: @lauren_schwahn.

The article Surviving Burnout, Job Fears and More: 5 Tips From Career Coaches originally appeared on NerdWallet.

By KELVIN CHAN, AP Business Writer

While driving to a new restaurant, your car’s satellite navigation system tracks your location and guides you to the destination. Onboard cameras constantly track your face and eye movements. When another car veers into your path, forcing you to slam on the brakes, sensors are assisting and recording. Waiting at a stoplight, the car notices when you unbuckle your seat belt to grab your sunglasses in the backseat.

Modern cars are computers on wheels that are becoming increasingly connected, enabling innovative new features that make driving safer and more convenient. But these systems are also collecting reams of data on our driving habits and other personal information, raising concerns about data privacy.

Here is what to know about how your car spies on you and how you can minimize it:

How cars collect data

It’s hard to figure out exactly how much data a modern car is collecting on you, according to the Mozilla Foundation, which analyzed privacy practices at 25 auto brands in 2023. It declared that cars were the worst product category that the group had ever reviewed for privacy.

The data points include all your normal interactions with the car — such as turning the steering wheel or unlocking doors — but also data from connected onboard services, like satellite radio, GPS navigation systems, connected devices, telematics systems as well as data from sensors or cameras.

Vehicle telematics systems started to become commonplace about a decade ago, and the practice of automotive data collection took off about five years ago.

The problem is not just that data is being collected but who it’s provided to, including insurers, marketing companies and shadowy data brokers. The issue surfaced earlier this year when General Motors was banned for five years from disclosing data collected from drivers to consumer reporting agencies.

The Federal Trade Commission accused GM of not getting consent before sharing the data, which included every instance when a driver was speeding or driving late at night. It was ultimately provided to insurance companies that used it to set their rates.

Be aware

The first thing drivers should do is be aware of what data their car is collecting, said Andrea Amico, founder of Privacy4Cars, an automotive privacy company.

In an ideal world, drivers would read through the instruction manuals and documentation that comes with their cars, and quiz the dealership about what’s being collected.

But it’s not always practical to do this, and manufacturers don’t always make it easy to find out, while dealership staff aren’t always the best informed, Amico said.

Privacy4Cars offers a free auto privacy labeling service at vehicleprivacyreport.com that can summarize what your car could be tracking.

Owners can punch in their car’s Vehicle Identification Number, which then pulls up the automaker’s data privacy practices, such as whether the car collects location data and whether it’s given to insurers, data brokers or law enforcement.

Tweak your settings

Data collection and tracking start as soon as you drive a new car off the dealership lot, with drivers unwittingly consenting when they’re confronted with warning menus on dashboard touch screens.

Experts say that some of the data collection is baked into the system, you can revoke your consent by going back into the menus.

“There are permissions in your settings that you can make choices about,” said Lauren Hendry Parsons of Mozilla. “Go through on a granular level and look at those settings where you can.”

For example, Toyota says on its website that drivers can decline what it calls “Master Data Consent” through the Toyota app. Ford says owners can opt to stop sharing vehicle data with the company by going through the dashboard settings menu or on the FordPass app.

BMW says privacy settings can be adjusted through the infotainment system, “on a spectrum between” allowing all services including analysis data and none at all.

You can opt out…

Drivers in the U.S. can ask carmakers to restrict what they do with their data.

Under state privacy laws, some carmakers allow owners across the United States to submit requests to limit the use of their personal data, opt out of sharing it, or delete it, Consumer Reports says. Other auto companies limit the requests to people in states with applicable privacy laws, the publication says.

You can file a request either through an online form or the carmaker’s mobile app.

You can also go through Privacy4Cars, which provides a free online service that streamlines the process. It can either point car owners to their automaker’s request portal or file a submission on behalf of owners in the U.S., Canada, the European Union, Britain and Australia.

… but there will be trade-offs

Experts warn that there’s usually a trade-off if you decide to switch off data collection.

Most people, for example, have switched to satellite navigation systems over paper maps because it’s “worth the convenience of being able to get from point A to point B really easily,” said Hendry Parsons.

Turning off location tracking could also halt features like roadside assistance or disable smartphone app features like remote door locking, Consumer Reports says.

BMW advises that if an owner opts to have no data shared at all, “their vehicle will behave like a smartphone in flight mode and will not transmit any data to the BMW back end.”

When selling your car

When the time comes to sell your car or trade it in for a newer model, it’s no longer as simple as handing over the keys and signing over some paperwork.

If you’ve got a newer car, experts say you should always do a factory reset to wipe all the data, which will also include removing any smartphone connections.

And don’t forget to notify the manufacturer about the change of ownership.

Amico said that’s important because if you trade in your vehicle, you don’t want insurers to associate it with your profile if the dealer is letting customers take it for test drives.

“Now your record may be affected by somebody else’s driving — a complete stranger that you have no relationship with.”

Is there a tech topic that you think needs explaining? Write to us at onetechtip@ap.org with your suggestions for future editions of One Tech Tip.

This story has been corrected to show that the Mozilla representative’s first name is Lauren, not Laura.

This fall, multiple appliances in my home announced they were done: A water line inside my washer broke, my dryer began requiring multiple cycles to dry a load, and my hair straightener stopped getting hot enough to do its job.

The only silver lining? Solid holiday sales start in October and get really good in November.

As a personal finance expert, I came up with a shopping strategy: I would select the appliances I wanted to buy before the October sales began, track the prices through Black Friday and buy as soon as those prices dipped to their lowest point.

I estimate leveraging holiday sales to buy my household necessities could save me several hundred dollars.

Samantha Gordon, the deals editor at Consumer Reports, confirmed the logic of my strategy.

“My biggest piece of advice for anybody is to never buy anything not on sale,” she says. And in November, she adds, “Everything goes on sale.”

With some planning, you can leverage the season’s discounts for your own needs.

Make your list early

Research exactly which products you want before the sales start so you can make an informed decision when the discounts begin, Gordon says.

She suggests tracking prices now so you know what constitutes an actual discount versus simply an advertised sale.

“You want to know what the price is on an average day,” Gordon says, adding that price-tracking tools, such as Keepa, CamelCamelCamel.com and PayPal Honey, can help you.

Andrea Woroch, a money-saving expert who shares budgeting tips on her website, has been doing just that. Like me, she has a list of household products — including a vacuum and new fridge — that she hopes to buy during the holiday sales.

“Set a sale alert for an item you want to track so you don’t miss a limited-time, early deal,” she suggests. Shopping apps like Karma and CamelCamelCamel will send a price drop alert right to your inbox.

If you plan to shop at a specific store, Woroch says to sign up for free loyalty programs. That may get you free shipping, rewards for purchases and extra coupons.

Consider everyday household items

Big-ticket items aren’t the only things marked down this time of year. Everyday essentials, such as paper products and makeup, also go on sale.

Trae Bodge, a shopping expert at TrueTrae.com who is based in the New York area, takes advantage of those discounts. During the October sales, she bought brow gel, pretzels, a new fireplace screen and an inflatable travel mattress.

Bodge estimates she saved between 10% to 30% on each item, and stacked that savings with cash back through a browser extension.

Avoid frenzied buying

Of course, all these discounts can also translate into wayward buys.

While it can be a good idea to buy a discounted item for next year now, Woroch cautions against overspending.

“Just make sure you can afford the purchase when you buy it. You don’t want to add to your spending load so much that you can’t pay off your card,” she says, because that can lead to interest charges.

In some cases, 0% financing deals may also be available during sales events, allowing you to spread out payments without interest accruing, she adds.

The washer and dryer set will be my biggest purchase, which is why I’ve taken time to plan for it.

Lock in seasonal savings

October was good, but I’m holding out for Black Friday sales: The hair appliance I plan to purchase — a Beachwaver rotating curling iron — normally retails for $99, but dipped to just under $70 right before the October sales hit.

I was tempted to hit “buy” until I checked the price history on CamelCamelCamel.com. I saw that last Black Friday, the price went all the way down to $49. So I’m waiting, hoping the low price repeats itself again this year. If it does, I’ll save about $50.

For our washer and dryer combo, I selected the LG ThinQ model after combing through online reviews. While it’s currently marked down about $500, I expect an even better deal during the Black Friday sales.

Research shows that appliance prices typically dip during Black Friday, with deals announced ahead of time. So I’m keeping my eye out and will make my purchase when I see sales roll out. It’s a bit of a gamble — because I could save $500 now — but I’m hopeful.

The bottom line? Using seasonal sales to buy necessities can save you cash, which we can all use right now.

Kimberly Palmer writes for NerdWallet. Email: kpalmer@nerdwallet.com. Twitter: @kimberlypalmer.

The article How a Personal Finance Expert Leverages Holiday Sales for Household Necessities originally appeared on NerdWallet.

By Summer Ballentine, MediaNews Group

The LaFontaine auto dealership suspended this week for allegedly selling used loaner vehicles as new cars is once again open for sales.

LaFontaine Chevrolet Buick GMC of St. Clair and the Michigan Department of State reached an agreement Wednesday that allows vehicle sales to resume, according to LaFontaine and state officials. The state had suspended the China Township dealership’s business license Tuesday.

The state fined LaFontaine $25,000 for selling loaner vehicles with as many as 6,000 miles of use as new vehicles, Department of State spokesperson Cheri Hardmon said in an email. LaFontaine also will be under increased state oversight through December 2026 and must conduct staff training.

LaFontaine has described the violation as a “clerical issue” and said no fraud was committed.”

“This issue was purely administrative in nature — stemming from confusion between automaker program requirements, dealer processes, and the State’s outdated regulatory statutes,” the dealership group said in a statement from spokesperson Max Muncey. “Frankly, the speed at which this matter was resolved reinforces our belief that the initial action was more of a headline-driven move by the State than a substantive compliance concern.’

This is the LaFontaine dealer group’s second penalty under Michigan’s used vehicle law, which requires loaner vehicles that have been titled and registered by dealerships to be sold as used.

Regulators identified LaFontaine’s latest alleged violations while checking its compliance under a 2024 agreement with the state for the same issue at its Livonia dealership.

LaFontaine Hyundai of Livonia shut down for one day in December 2024 after the state suspended its license for allegedly misrepresenting vehicles as new. The dealership agreed to pay a $25,000 penalty and complete a 24-month probation period in lieu of an administrative hearing.

LaFontaine Hyundai of Livonia was required to participate in dealer training for managers and employees and was subject to periodic unannounced inspections by MDOS regulatory staff as part of the 2024 agreement.

By Katie Kelton, Bankrate.com

The winter holidays are a time for dusting off decorations and observing traditions — but they’re also rife with money decisions.

Americans are choosing how much to spend on travel, gifts and decorations in today’s economy, along with how they’ll make those purchases. Some holiday shoppers and travelers plan to use credit cards, but debit cards; buy now, pay later services (BNPL); and rewards points are other popular payment options.

Bankrate’s key findings on holiday spending

Fewer Americans will travel for holidays this year, compared with last year: 21% plan to fly or stay in a hotel or short-term rental for Thanksgiving or the December holidays, compared to 27% in 2024.Source: Bankrate’s 2025 Holiday Travel Survey

Around 2 in 5 holiday shoppers expect higher price tags this year: 41% say they’re concerned winter holiday gifts will be more expensive this year. But only 24% will budget for holiday spending.Source: Bankrate’s 2025 Early Holiday Shopping Survey

Roughly half of holiday shoppers will begin before the end of October: That includes 13% who started shopping or planned to in August, 11% in September and 25% in October.Source: Bankrate’s 2025 Early Holiday Shopping Survey

Home for the holidays? Fewer Americans plan to travel this holiday season

If you’re opting out of a flight to visit Grandma and Grandpa or a trip to Disney for the holidays in 2025, you’re not alone. Fewer Americans plan to travel for Thanksgiving or the winter holidays this year versus last year, according to Bankrate’s 2025 Holiday Travel Survey.

Around 1 in 5 U.S. adults (21 percent) say they plan to stay in a hotel or short-term rental or travel by airplane for the upcoming holidays. That’s compared to 27 percent in 2024.

Younger generations, men and parents of young kids are most likely to plan for less holiday travel this year

Interestingly, the people who are overall most likely to travel for the holidays are also the ones responsible for the biggest declines in travel this year.For example, Gen Zers (ages 18-28) and millennials (ages 29-44) are overall the most likely to travel at 30 percent and 29 percent, respectively, compared to 16 percent of Gen Xers (ages 45-60) and 12 percent of boomers (ages 61-79).But the percentage of traveling Gen Zers dropped the most from last year, by 14 percentage points, followed by traveling millennials, who dropped by 9 points. Gen Xers dropped by 5 points, and boomers are traveling at basically the same rate this year as last, with a 2-point difference.

And while 21 percent of both men and women say they plan to travel this holiday season, that’s down 10 percentage points from 2024 for men and down 2 points for women.

Let’s look at parents — 33 percent of parents with children under the age of 18 plan to travel this holiday season, down 13 points from 2024. In comparison, 21 percent of all parents plan to travel this season, down 7 points from last year.Lastly, higher earners are more likely to travel for the holiday season. Twenty-nine percent of those earning $100,000 and above say they plan to travel, compared to 23 percent of those in both the $80,000 to $99,999 and $50,000 to $79,999 income brackets and 16 percent of those earning below $50,000. Still, all of those income brackets are traveling less than or about the same as they did last year, with drops of 9 percentage points, 2 points, 8 points and 8 points, respectively.

“While many Americans appear to be scaling back their travel plans this year, we’ll have to see if that actually happens,” says Rossman. “Consumer sentiment has been depressed for a while now, thanks mostly to worries about inflation and tariffs, yet people are still spending. The disconnect between what people say and what they do has been growing.”

Holiday travelers prefer credit cards

Among all the ways to pay, credit cards are the most popular method for holiday travel (63 percent) — either paid in full (40 percent) or with a balance paid over time (23 percent).

Debit cards and/or cash is the second most popular option (44 percent), followed by rewards points (32 percent), asking friends/family to pay (13 percent) and BNPL services (10 percent).

Both credit cards and rewards travel are more popular this year. The number of adults who say they’ll use each method of payment are up 4 percentage points and 8 percentage points, respectively, from 2024.

“Don’t forget about your rewards points and miles,” Rossman advises. “Many people have accumulated more than they realize.”

Nearly 1 in 3 holiday travelers plan to take on debt

Adjusting for overlap between those who plan to carry a credit card balance and those who will use BNPL, nearly 1 in 3 travelers (31 percent) are likely to take on debt.Millennial holiday travelers are most likely to accrue debt, at 39 percent. That’s compared to 30 percent of Gen X, 25 percent of Gen Z and 21 percent of boomer travelers.And debt usage for holiday travel peaks among middle-income earners of $50,000 to $99,999 (39 percent). The lowest income bracket, those making less than $50,000, is next (34 percent), followed by 23 percent of $100,000+ earners.Learn how to travel smart and stay out of debt.

Around 2 in 5 holiday shoppers, especially boomers, fear high price tags this holiday season

Loren Jerae, a 26-year-old stay-at-home mom in Charlotte, North Carolina, has already begun Christmas shopping. She’ll frequent thrift stores, online marketplaces and clearance racks for the next few months until she’s curated the perfect pile of presents for her 5-year-old son.

As a young mom, “I didn’t want our finances to determine his holiday,” she says. “Ever since he was born, I have always been budget-friendly.”

When it comes to holiday shopping, Jerae is in good company.

Most Americans (79 percent) plan to holiday shop this year. And about half of holiday shoppers (49 percent) have already begun or plan to begin shopping before Oct. 31, according to Bankrate’s 2025 Early Holiday Shopping Survey. Jerae starts even sooner.

She says she sets money aside during the first half of the year. Come July, she takes advantage of summer clearance sales and back-to-school deals to snag some early Christmas gifts. By August, she’s tackling her entire shopping list for her son, fiancé, parents and other friends and family.

Two in 5 shoppers (41 percent) are concerned that holiday gifts will be more expensive this year, which may be why they’re getting a head start. “I absolutely feel like [prices are] higher,” Jerae comments.

A few years ago, she and her fiancé tried shopping the month before Christmas and ended up spending around $700 on “a bunch of junk.” She told herself she’d never do that again.

“I am not spending that type of money on one or two items,” she says. By shopping early, “I can make $100 stretch, and we can get several things.”

Boomers and middle-income earners are most concerned about higher holiday prices

Notably, that concern over high prices is highest among boomers (46 percent, ages 61-79) and decreases with age. Forty percent of Gen Xers (ages 45-60), 39 percent of millennials (ages 29-44) and 37 percent of Gen Zers (ages 18-28) noted the same concern.Concern about high holiday prices this year is also more prominent among middle-income households. Forty-nine percent of $80,000-$99,999 earners and 45 percent of $50,000-$79,999 earners say they’re concerned, versus 38 percent of both the highest and lowest earners ($100,000+ and under $50,000, respectively).Rossman says the higher earners are easier to explain, as more disposable income allows for some wiggle room in the budget. But lower earners may have already tightened their holiday budgets after high inflation and interest rates in the last few years. It could still be a tough financial season — but they’ve adapted.On the other hand, Rossman explains, middle earners may be newly disenchanted by higher prices and feel like their paychecks aren’t stretching as far as they used to.

Concern about high prices may be warranted

Money woes are top of mind for some holiday shoppers

More than 1 in 3 shoppers say inflation will change how they shop (36 percent), and more than 1 in 4 say holiday shopping will strain their budgets (29 percent) and are stressed about winter holiday shopping costs (27 percent).In fact, only 11 percent explicitly said they’re not concerned about the cost of winter holiday shopping.

More holiday shoppers will make their purchases online

Nearly 2 in 5 shoppers (38 percent) intend to make most of their purchases online, versus 1 in 5 (20 percent) who plan to make most of their purchases in person. Perhaps surprisingly, boomers are the most likely to make most of their purchases online (45 percent), compared to just 33 percent of Gen Zers.Jerae, a Gen Zer, tends to shop more in person. “I’d rather just hit all the thrift stores in my area,” she explains.And roughly 1 in 6 shoppers (16 percent) expect that gifts will be harder to find this year.

Around 1 in 4 shoppers expect to spend more this holiday season

Twenty-seven percent of holiday shoppers expect to spend more this holiday season than they did last year, compared to 30 percent who expect to spend less. Forty-three percent expect to spend about the same.

There could be a couple of factors at play.

First, those who plan to spend more may anticipate higher prices this year, Rossman explains. Or, they could simply be earning more income and feeling generous.

Meanwhile, Rossman says those who plan to spend less might be more optimistic about prices this year. Or, they might be shortening their gift lists to save money.

More than 1 in 4 shoppers plan to take on debt this season, but debit cards are the top pick for payment

Sixty-one percent of holiday shoppers expect to use debit cards for at least some of their purchases, avoiding debt but likely sacrificing rewards potential.

Credit cards are the next most popular option, with 57 percent of shoppers planning to use them. Among those users, 35 percent plan to pay in full and 21 percent plan to carry balances over time.

Cash remains a popular option, with 49 percent planning to pay with cash. Buy now, pay later (BNPL) services (12 percent), checks (5 percent) and some other method (3 percent) round out the ways people plan to pay for their winter holiday shopping.

Gen Zers are the most likely to use debit cards (70 percent) and cash (55 percent). Boomers are the most likely to pay with credit cards (62 percent), and millennials are the most likely to use a BNPL service (17 percent).

After adjusting for overlap, more than 1 in 4 shoppers (28 percent) may take on debt either with a credit card they will pay off over time or BNPL. But just 4 percent say they are “willing to take on debt” in another survey question — revealing a possible disconnect between what Americans say and what they do.

Nearly half of shoppers will start before Halloween

You’re not behind on holiday shopping yet, but nearly half of shoppers (49 percent) will have started or plan to start before the end of October.

That includes 13 percent who started or planned to start by the end of August, another 11 percent in September and another 25 percent in October, leaving 37 percent who plan to start shopping in November and 14 percent in December.

Rossman thinks the early bird might get the worm.

“While some consumers shake their heads that holiday shopping seems to start earlier each year, the early start gives you more time to spread out your cash flow and find the best deals,” he explains.

5 ways to save money this holiday season

You don’t have to go into debt to pay for the holidays. Instead, try these tips to be a smart shopper this season.

Set aside money ahead of time. Half of Americans are in credit card debt, and the holidays make it easy to spend more money than you have. Instead, try building a holiday fund before you start shopping or booking travel. From January to July, Jerae puts between $30 and $50 weekly into a high-yield savings account that she’ll later use for Christmas gifts. Only around 1 in 4 holiday shoppers (24 percent) expect to budget for the holidays, but you can be one of them. Learn how to create a sinking fund to avoid going into debt.

Start shopping early. The thought of buying gifts in July may sound like holiday creep, but it can actually lead to better deals and help you dodge the December mall frenzy. Take advantage of sales throughout the fall and compare prices without feeling rushed. You could have every item on your list checked off weeks before the holidays, leaving you more time to nosh on cookies and celebrate with your family.

Stay flexible with your travel schedule. “You can save on travel costs by going a few days before the holiday and/or coming back a few days later,” Rossman explains. “Or even traveling on the holiday itself. You could also consider nearby airports, connecting flights, less popular flight times and staying with family instead of booking a hotel room.”

Try secondhand shopping. Jerae found a play kitchen for $40 resale, well below the brand-new $100+ price tag. She says kids don’t know or care if a gift is secondhand — and she can find better prices for items with higher quality and more character. Learn how to thrift to help your budget.

Use a rewards credit card. You could earn cash back or points on your holiday purchases, flights or hotel stays with one of the best rewards cards. And those rewards could go toward future gifts or a family vacation. Learn how to choose a rewards card.

You can also combine money-saving methods. “Starting early and stacking discounts are strategies that shoppers can deploy to save money,” Rossman advises.

The bottom line

Many Americans are holiday shopping early this year, and possibly with good reason — they’re worried about rising prices and want more time to find the best deals. Just don’t fall prey to impulse shopping during those extra months.

By sticking to a list and a budget, it really could be the most wonderful time of the year.

MethodologyBankrate commissioned YouGov Plc to conduct the surveys. All figures, unless otherwise stated, are from YouGov Plc.2025 Holiday Travel Survey: Total sample size was 2,529 adults, of which 498 plan to travel this holiday season Fieldwork was undertaken between Sept. 2-4, 2025. The survey was carried out online. It gathered a non-probability-based sample and employed demographic quotas and weights to better align the survey sample with the broader U.S. population.2025 Early Holiday Shopping Survey: Total sample size was 2,567 adults, including 2,020 who expect to participate in winter holiday shopping. Fieldwork was undertaken between July 28-30, 2025. The survey was carried out online. The figures have been weighted and are representative of all U.S. adults (aged 18+).

©2025 Bankrate.com. Distributed by Tribune Content Agency, LLC.

A few weeks ago, I was about to pay the HVAC technician who had repaired my home’s heat pump. Out of habit, I pulled a credit card from my wallet — I figured I’d earn rewards on this pricey transaction — but then the tech warned me that his company assesses a 3% surcharge on credit card payments. Thankful for the heads-up, I wrote him a check instead.

Credit card surcharges aren’t new, but they’re becoming more common. According to J.D. Power’s 2025 U.S. Merchant Services Satisfaction Study, “34% of merchants are adding surcharges for customer purchases made using credit cards.” Compare that number to just a year before, when 20% of merchants reported assessing surcharges, per a 2024 State of the Industry Report from CMSPI, a payments consultancy firm.

Surcharging at restaurants, in particular, can at times feel like the rule, not the exception. One Reddit thread from August 2025 pointedly asked: “Since when did 3% CC [credit card] fees at restaurants become the new normal?” In other words, why now?

Several factors are at play, but a short version is that it’s simply become more expensive, over time, for businesses to accept credit cards, and surcharges help offset those costs.

The practice, though, is changing the math for users of rewards credit cards. While it used to be a no-brainer to pick up the tab with a card that earns a flat 2% back, now that same decision on a bill with a 3% surcharge could result in a loss.

“We’re approaching a tipping point where consumers are actively saying they won’t pay the surcharge,” says Don Apgar, director of the merchant payments practice at Javelin Strategy & Research.

In the moment — stuck in the restaurant booth when the check arrives — you don’t exactly have much of a choice. But you do have longer-term options.

» MORE: NerdWallet’s best credit cards for restaurants

Why surcharges exist

The payment processing company Stripe defines a surcharge as “an additional fee that a business may add to a transaction when a customer pays with a credit card,” meant to recoup “the costs that the business incurs for processing credit card payments.” These costs to businesses, known as interchange fees, totaled more than $160 billion in 2022, according to Stripe.

Interchange fees are set by the payment networks that credit cards run on: Visa, Mastercard, American Express and Discover. The rewards that your credit card earns — cash back, points or miles — are largely funded by those interchange fees. As such, merchants generally pay more in interchange fees to accept rewards cards as a payment method. Apgar estimates that 75% of the credit cards that consumers pay with today earn rewards.

It’s become a flashpoint in the payments industry, pitting credit card companies against merchants. The former argue they’re providing an essential service and that interchange fees are simply the cost of doing business, while the latter argue that those costs are spiraling out of control.

Lawmakers, too, are paying attention. In 2022, the Credit Card Competition Act was introduced in Congress. It aims to create more competition in the credit card payment network market, which supporters argue would lead to lower interchange costs for merchants. The bill hasn’t passed, but supporters continue to push for it every year.

Why they’re ‘becoming de facto’

So for now, merchants are leaning on surcharges to defray interchange fees, when they can. Some states ban surcharging outright, while others allow it as long as merchants abide by certain rules.

For example, businesses must tell their customers — through written or verbal notices — if they impose a surcharge for credit card payments. And in general, surcharges cannot exceed the limit set by the payment network that the card runs on. (You may have encountered such language on a restaurant bill: “Non-cash adjustments are not greater than our cost of acceptance.”)

It’s a patchwork system that can be hard to follow for both customers and merchants. And on top of that, rewards credit cards are getting even more generous for consumers — and thus more expensive for businesses to accept.

“U.S. cardholders have an insatiable appetite for rewards and benefits,” says John Cabell, managing director of payments intelligence at J.D. Power. “We continue to see an upward spiral for rewards, cash back percentages [and] the number of rewards categories.”

Cabell also believes the COVID-19 pandemic accelerated the surcharging trend. “Since the pandemic, additional fees and charges have become more commonplace,” he says. For instance, some restaurants that remained open during the pandemic tacked on a COVID-related surcharge to make up for the extra costs required to operate safely.

Today, restaurants may be more inclined to surcharge with the recent memory that their patrons were willing to pay extra fees before.

“Surcharging was few and far between … but now it’s becoming de facto,” Apgar says.

What are your options?

‘Do the math’

When faced with a surcharge, you could opt to pay the bill with cash, check or debit card, instead of credit. You won’t be alone. J.D. Power’s 2025 U.S. Merchant Services Satisfaction Study found that “41% of credit card users … decided not to use a card payment method at a large or small business because of a surcharge.”

If you insist on paying with a credit card, try to use one whose rewards outweigh the surcharge. And remember, it’s not always about the percentages. To come out ahead on a restaurant tab with a 3% surcharge, a card that earns 3% cash back on dining would cover you — but so might a card that earns 2 points back per $1 at restaurants, depending on how much those points are worth. For that matter, so might a card with a large welcome bonus that you’re trying to snag.

“You have to do the math to figure out if it’s worth it based on the type of rewards and benefits you’re pursuing,” Cabell says.

Stack rewards

Use a card that earns bonus rewards on dining, then “stack” those savings with a cash-back app or card-linked offer.

Chain restaurants and local eateries alike are often featured in both.

Flag improper charges

If you suspect a restaurant is illegally surcharging, you can dispute the charge by filing a complaint with the card issuer, who will escalate it to the payment network and then the payment processor for that particular merchant.

You could also file a complaint with the Better Business Bureau or your state’s attorney general. To recover a surcharge, you could ask for a refund from the restaurant, or go to small claims court. However, Cabell warns that it could “take a real effort for a very small amount of money.”

Go next door

If you see a sign on the door or menu mentioning a “non-cash service fee” or a “discount for all cash purchases,” you could walk out and take your business elsewhere.

That’s cold comfort to, say, foodies who love trying out the latest trendy spots, surcharges be darned. In that case, it may help to keep in mind that rewards are only one benefit of paying with a credit card. You’ll also get stronger fraud protections, easier budget tracking and opportunities for credit-building. Depending on the card and the purchase, you may also get insurance coverage or extended warranties.

Whether it’s worth paying a surcharge for those benefits is up to you.

Jae Bratton writes for NerdWallet. Email: jbratton@nerdwallet.com.

The article Restaurant Surcharges Are Changing the Math for Credit Card Rewards originally appeared on NerdWallet.

By Summer Ballentine, MediaNews Group

About 1,200 workers at General Motors Co.’s Detroit-area all-electric plant will be laid off as the company downsizes to a single shift in response to the slowing U.S. electric vehicle market.

The company also will cut 550 jobs at its joint-venture Ultium Cells battery cell plant in Ohio, with another 850 slated for temporary layoff. The Ultium Cells’ Tennessee plant will temporarily lay off 700 workers.

The layoffs reflect a rapid pullback in EV production as GM adjusts to a U.S. EV market no longer bolstered by $7,500 tax credits for buyers and lessees that expired last month. Automakers also expect to soon be free of expensive government fines for greenhouse gas emissions that pushed EV manufacturing ahead of market demand. Both policy changes were pushed by President Donald Trump.

“In response to slower near-term EV adoption and an evolving regulatory environment, General Motors is realigning EV capacity,” according to a company statement. “Despite these changes, GM remains committed to our U.S. manufacturing footprint, and we believe our investments and dedication to flexible operations will make GM more resilient and capable of leading through change. Impacted employees may be eligible for SUB pay and benefits in accordance with the National GM-UAW Agreement.”

GM on Wednesday said its all-electric Factory Zero Detroit-Hamtramck Assembly Center, which went offline this week, will remain shut down until Nov. 24 when it will run two shifts until the holiday break. It will only operate one shift when it reopens Jan. 5 after the holidays.

About 2,000 employees will stay on at Factory Zero, spokesperson Kevin Kelly said. Cuts will be based on seniority.

The plant has repeatedly cut shifts and slowed production this year, including axing a shift each for the GMC Hummer EV and Cadillac Escalade IQ.

Ultium Cells plants in Spring Hill, Tennessee, and Warren, Ohio, will pause operations starting Jan. 5 and continuing through at least May, Kelly said.

“During the temporary pause Ultium Cells plans to make upgrades to both facilities to provide greater flexibility,” according to a GM statement. “Ultium Cells will continue to evaluate and adapt production plans based on evolving market needs.”

Kelly said more layoffs are coming at two other sites. GM’s Pontiac Metal Center, a Metro Detroit stamping plant that supplies parts for Factory Zero, will temporarily lay off 45 workers and New York’s Rochester Operations, which makes electric vehicle battery cooling lines supplied to Factory Zero, will temporarily idle 74 employees. Both actions will take effect Nov. 17.

The moves come as battery manufacturers ― including the Detroit Three ― scale back plans for EV battery production, citing tepid demand and a sharply changing regulatory environment under the Trump administration.

Ford Motor Co. has delayed production plans at major battery plants it has a stake in, while a Stellantis NV partnership isn’t moving forward with major parts of its originally-planned battery factory footprint. Numerous battery projects have been scrapped, delayed or mothballed.

Automakers are in many cases rethinking their entire game plan for EVs under Trump, pivoting more to hybrids and big-engine trucks, pausing EV assembly lines, and in some instances ― including with GM ― altogether stripping EV-related production equipment out of factories.

Lynn Blasey, 42, is a write in candidate for Hamtramck mayor. She says she decided to run after community members asked her to run.

“When some community members approached me, it was really asking me to be a voice or a viable choice that residents can feel more comfortable about,” she says.

Blasey is the co-director of Community Arts Partnerships for the College for Creative Studies. She has worked at the education department at the Arab American National Museum, educating people about Arab American communities. 

Blasey ran and lost bids for the Hamtramck City Council in 2021 and 2023. She serves as the vice chair of the Hamtramck Arts and Culture Commission. 

She created the Hamtramck Area Disaster Recovery Group as part of flood recovery efforts for FEMA after the floods in 2021.

Uplifting Hamtramck

Blasey says she’s concerned about Hamtramck’s public image.

“People across the world have some pretty negative opinions of our city, and so this is a really good opportunity to sway that narrative and help celebrate the wonderful, magical things that make this community so unique and diverse,” she says. 

Blasey says she’s disappointed by the recent election fraud in the city.

“I have spoken up previously about the effects cheating has and that people doing it continuously is a degradation of our democracy and really weakens the whole system,” she says.

Blasey says she would like to hold people accountable by taking a firm stance against people who don’t respect the law.

She says it’s important to communicate and connect with community leaders and organizations in Hamtramck to bring people together.

“I think we need to return to having more town hall meetings, utilizing some of our public spaces when there are some of those more challenging issues on the table, really taking those to the community,” she says.

Supporting the arts and businesses

Blasey is connected to the city’s arts community. She says more can be done to leverage artists. 

“There is a huge design economy, arts economy, that Hamtramck is not really tapped into. We have a lot of artists here, but we’re not capitalizing on that,” she says.

Blasey is a part of the Hamtramck Downtown Development Authority’s Organization & Promotions sub-committee. 

“I think there are some really uniquely Hamtramck ways that we can attract new businesses,” she says.

She says it’s important for people to work together, building on each other’s strengths. 

“I think there is so much value in bringing people together,” she says.

Learn about other Hamtramck mayoral candidates

• Hamtramck mayoral candidate Adam Alharbi hopes to unite residents, overcoming cultural differences
• Hamtramck City Councilman Muhith Mahmood runs for mayor amid city council investigations

More election coverage

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The post Lynn Blasey runs as write-in candidate for Hamtramck mayor as alternative choice appeared first on WDET 101.9 FM.

By MICHAEL CANTU

Don’t buy that new car yet. If you can wait, you’ll have new 2026 model year options that aren’t out yet. Although some models barely change, others are completely redesigned and often get the latest features and improvements. Whether you’re interested in improved fuel economy, cutting-edge technology, or maybe just fresh and distinctive styling, there’s likely a car on the horizon that you’ll be interested in. To ensure you don’t miss out on the latest and greatest, the car experts at Edmunds highlight five vehicles you should consider waiting for.

Small SUV: 2026 Toyota RAV4

America’s bestselling SUV is getting completely redesigned for the 2026 model year. Notably, the new RAV4 is going all-hybrid for 2026. Trust us, this is a good thing. The base RAV4 should get about 40 mpg for combined city/highway driving and produce a respectable 226 horsepower. Alternatively, you can get the RAV4 Plug-in Hybrid. It makes a sporty 320 horsepower and can drive an estimated 50 miles on all-electric power with a fully charged battery. Toyota has also modernized the RAV4’s interior with a fresh design featuring large display screens and the brand’s latest tech. The RAV4 will be available in several trim levels, including the outdoorsy RAV4 Woodland and the new sporty GR version.

Estimated starting price: $33,000

Midsize SUV: 2026 Subaru Outback

The Outback gets a full redesign for 2026. Subaru has moved on from the Outback’s wagon profile in favor of a taller, boxier design that’s meant to be more SUV-like. If the new styling isn’t for you, the new interior likely will be. It’s a big departure from the outgoing design. It’s highlighted by a new infotainment system that has sharper-looking graphics and quicker responses to your touch. Unchanged, thankfully, is the Outback’s impressive 8.7 inches of ground clearance that’s helpful for wintertime travel and recreational off-roading. The rugged Wilderness model also returns to provide even more off-road capability. Expect the new Outback at dealerships this fall.

Starting price: $36,445 (including destination)

Midsize three-row SUV: 2027 Kia Telluride

Kia’s Telluride has been one of Edmunds’ favorite midsize SUVs ever since it debuted for the 2020 model year. The Telluride is spacious inside, comfortable, and loaded with features. It also has an upscale design both inside and out, and it delivers big on value thanks to an agreeable price. Now, for 2027, a redesigned Telluride will debut. Kia won’t release official information on the next Telluride until late November, but we can get an idea of what to expect from the related Hyundai Palisade that has already been unveiled. We expect the new Telluride will have new technology features and, most notably, an available hybrid powertrain that could help this family hauler get more than 30 mpg.

Estimated starting price: $39,000

Sporty coupe: 2026 Honda Prelude

Honda’s sport coupe from the 1980s and 1990s returns as a hybrid-powered coupe later this year. The new Prelude makes 200 horsepower, which is likely underwhelming for acceleration junkies. On the upside, however, the Prelude should get more than 40 mpg combined. It should also be fun to drive on twisty roads. Honda has given it a sophisticated suspension that should help the Prelude have sporty handling as well as a comfortable ride quality. The new Prelude has two small rear seats and a hatchback-style trunk, so it should be reasonably useful for everyday driving. Interestingly, Honda says there will be only one trim level of the Prelude and it will come fully loaded with features.

Estimated starting price: $38,000

Full-size truck: 2026 Ram 1500 Rev

The Ram Rev, formerly called the Ramcharger, is what Ram calls a range-extended electric truck, which is similar to a plug-in hybrid. The Rev has a large battery pack and two electric motors that provide an electric driving range of 145 miles and produce 647 horsepower. When the battery runs low, a V6 engine fires up and charges the battery, extending the total driving range to 690 miles. When the tank gets low, you can pump gas or charge the battery to hit the road again. The Rev touts an impressive towing capacity of 14,000 pounds and looks much like a regular Ram 1500 inside and out. We expect the hybrid Ram to hit the market sometime in 2026.

Estimated starting price: $65,000

Edmunds says

These five vehicles above are worth the wait because they will each provide compelling attributes that either significantly improve upon the current model year’s vehicle or provide a distinctive new take.