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.

By PAUL WISEMAN, AP Economics Writer

WASHINGTON (AP) — President Donald Trump pulled out of trade talks with Canada Thursday night, furious over what he called a “fake’’ television ad from Ontario’s provincial government that quoted former U.S. President Ronald Reagan from 38 years ago criticizing tariffs — Trump’s favorite economic tool.

The ad features audio excerpts from an April 25, 1987 radio address in which Reagan said: “Over the long run such trade barriers hurt every American worker and consumer.’’

Trump attacked the ad on Truth Social Friday posting: “CANADA CHEATED AND GOT CAUGHT!!! They fraudulently took a big buy ad saying that Ronald Reagan did not like Tariffs, when actually he LOVED TARIFFS FOR OUR COUNTRY, AND ITS NATIONAL SECURITY.″

The Ronald Reagan Presidential Foundation and Institute criticized the ad on X Thursday night posting that it “misrepresents the ‘Presidential Radio Address to the Nation on Free and Fair Trade’ dated April 25, 1987.”

While Trump called the ad fake, Reagan’s words were real. But context is missing.

Here’s a look at the facts:

Reagan, who held office during a period of growing fear over Japan’s rising economic might, made the address a week after he himself had imposed tariffs on Japanese semiconductors; he was attempting to explain the decision, which seemed at odds with his reputation as a free trader.

Reagan did not, in fact, love tariffs. He often criticized government policies – including protectionist measures such as tariffs – that interfered with free commerce and he spent much of 1987 radio address spelling out the case against tariffs.

“High tariffs inevitably lead to retaliation by foreign countries and the triggering of fierce trade wars,” he said. “The result is more and more tariffs, higher and higher trade barriers, and less and less competition. So, soon, because of the prices made artificially high by tariffs that subsidize inefficiency and poor management, people stop buying. Then the worst happens: Markets shrink and collapse; businesses and industries shut down; and millions of people lose their jobs.”

But Reagan’s policies were more complicated than his rhetoric.

In addition to taxing Japanese semiconductors, Reagan slapped levies on heavy motorcycles from Japan to protect Harley-Davidson. He also strong-armed Japanese automakers into accepting “voluntary’’ limitations on their exports to the United States, ultimately encouraging them to set up factories in the American Midwest and South.

And he pressured other countries to push down the value of the currencies to help make American exports more competitive in world markets.

Robert Lighthizer, a Reagan trade official who served as Trump’s top trade negotiator from 2017 through 2021, wrote in his 2023 memoir that “President Reagan distinguished between free trade in theory and free trade in practice.’’

In 1988, an analyst at the libertarian Cato Institute even declared Reagan “ the most protectionist president since Herbert Hoover, the heavyweight champion of protectionists.’’

Reagan, though, was no trade warrior. Discussing his semiconductor tariffs in the April 1987 radio address, he said that he was forced to impose them because the Japanese were not living up to a trade agreement and that “such tariffs or trade barriers and restrictions of any kind are steps that I am loath to take.’’

Trump, on the other hand, has no such reticence. He argues that tariffs can protect American industry, draw manufacturing back to the United States and raise money for the Treasury. Since returning to the White House in January, he has slapped double-digit tariffs on almost every country on earth and targeted specific products including autos, steel and pharmaceuticals.

The average effective U.S. tariff rate has risen from around 2.5% at the start of the 2025 to 18%, highest since 1934, according to the Budget Lab at Yale University.

Trump’s enthusiastic use of import taxes — he has proudly called himself “Tariff Man” — has drawn a challenge from businesses and states charging that he overstepped his authority. The Constitution gives Congress the power to levy taxes, including tariffs, though lawmakers have gradually ceded considerable authority over trade policy to the White House. The Supreme Court is set to hear arguments in the case early next month.

Trump claimed Thursday that the Canadian ad was intended “to interfere with the decision of the U.S. Supreme Court, and other courts.’’

By CHRISTOPHER RUGABER, Associated Press

WASHINGTON (AP) — The government shutdown likely means there won’t be an inflation report next month for the first time in more than seven decades, the White House said Friday, leaving Wall Street and the Federal Reserve without crucial information about consumer prices.

“Because surveyors cannot deploy to the field, the White House has learned there will likely NOT be an inflation release next month for the first time in history,” the Trump administration said in an email.

Some of the inflation data is collected electronically, but most is gathered in person by government employees who visit stores across the country. The Bureau of Labor Statistics, which prepares the inflation report, has already reduced the data collected each month because the Trump administration’s hiring freeze left some cities without surveyors.

The announcement follows Friday’s release of September inflation data, which showed prices ticked higher but remained lower than many economists had expected. That report, which was delayed by nine days from its originally-scheduled release, was based on data that was collected before the shutdown began Oct. 1.

In past shutdowns the consumer price index — the government’s principal inflation measure — was compiled based on partial data. But it may be too late to gather even that level of information, the Labor Department said.

By David Welch

Bloomberg

General Motors Co. cut hundreds of jobs on Friday, just days after raising its profit guidance for the year in a move that sent the shares soaring.

The automaker laid off more than 200 salaried staff, mostly at its Tech Center in Warren. The message was delivered around 7 a.m., when the company called some of the affected employees to a Slack channel to say that the firings were due to “business conditions” and not their performance, according to people familiar with the meeting who asked not to be identified discussing internal matters.

GM has been streamlining the company to boost profits at a time when automakers are trying to cope with President Donald Trump’s changing policies. Tariffs have added costs that automakers mostly have not offset with higher prices, and they are reining in investments for electric vehicles that are selling slowly as the government eliminates incentives.

Earlier this week, GM reported better-than-expected earnings for the third quarter, sending its stock to the best one-day gain in more than five years. The carmaker boosted its profit forecast for the year, helped in part by policy changes that are supporting sales of high-margin, gas-powered SUVs and trucks.

Trump on Friday pointed to the performance of GM and Ford Motor Co. as indications that his tariff policies are working, saying in a social media post that the two automakers are “UP BIG.”

GM’s shares rose 2.4% as of 10:07 a.m. in New York.

Duplicate jobs

When deciding on positions to cut, the company looked through its white collar ranks to find duplicate jobs and ways to work more efficiently, said one of the people familiar with the matter.

In a statement to Bloomberg, a GM spokesman attributed the cuts to changes within its design engineering ranks, that resulted in the elimination of computer-aided design staff.

“We’re restructuring our design engineering team to strengthen our core architectural design engineering capabilities,” the company said via email. “As a result, a number of CAD execution roles have been eliminated. We recognize the efforts and accomplishments of the impacted team members, and we thank them for their contributions.”

By Tom Schoenberg, Bloomberg News

WASHINGTON — It’s one thing to be cleared by the president. It’s another to be cleared by the bank.

Republican fundraiser Elliott Broidy was pardoned at the end of President Donald Trump’s first term after a conviction for violating a U.S. lobbying law. Yet when he applied for an American Express Co. credit card this year, the lender denied him, citing his criminal history.

Mahmoud Reza Banki, the former chief financial officer of social media company X, says he ran into a similar problem. He claims JPMorgan Chase & Co. sought to close his accounts, citing a 15-year-old conviction for making false statements. He, too, had been pardoned at the end of Trump’s first term.

Both men are suing the financial institutions, claiming they were “debanked” even after their White House reprieves.

The separate cases, brought by lawyers who have represented an advocacy group co-founded by White House Deputy Chief of Staff Stephen Miller, are testing the bounds of forgiveness and if clemency is truly meant to wipe the slate clean. At stake is whether a pardon, meant to erase the legal stain of a conviction, can override the risk assessments of private lenders that are required to guard against money laundering, fraud and other financial crimes.

It’s a critical question as clemency becomes all the more common. President Joe Biden granted more than 4,000 commutations and pardons in his four-year term, a record. Trump has followed with more than 1,600 of his own in nine months since taking office, including for participants in the Jan. 6, 2021, riots at the U.S. Capitol. Just last week, he commuted the sentence of Republican lawmaker George Santos, who was serving time after being convicted of stealing campaign funds.

While pardons can spring someone from prison — or keep them out of it to begin with — they don’t necessarily end all repercussions from the case. Evidence of wrongdoing remains in the public record, and financial institutions routinely consider such information to evaluate their potential liabilities.

“A pardon is not a finding of innocence. It doesn’t in any way mean your conviction was not validly imposed or that you were not guilty of the crime,” said Liz Oyer, who was the Justice Department’s top pardon attorney for three years before being fired in March after refusing to recommend that actor and Trump ally Mel Gibson have his gun rights restored.

Oyer, who was a public defender before joining the government, said losing bank access is very common for people who have been accused of wrongdoing, whether convicted or not. “I certainly had clients who were dropped by their banks just because of an investigation initiated by the government,” she said.

But the idea that conservatives are being debanked for their political beliefs has become an obsession among some members of Trump’s MAGA movement, including the president himself. The Trump Organization sued Capital One Financial Corp. in March, accusing it of threatening the real estate business by abruptly canceling hundreds of accounts after his first term ended in 2021. (Capital One has denied wrongdoing and moved for the case to be dismissed.) Since taking office for his second term, Trump has threatened firms with investigations and penalties over debanking.

In August, the president issued an executive order mandating federal agencies involved in bank supervision stop considering reputation risk, which critics said financial companies used as a general catch-all for closing accounts. The order also requires regulators to make efforts to identify and reinstate former clients who were denied service “through a politicized or unlawful debanking action.”

Some banks, meanwhile, have been making changes on their own. JPMorgan updated its policies beginning last year to prohibit discriminating against customers for “religious views” and “political opinions, speech or affiliations.”

Jay Surgent, a criminal defense lawyer who helped secure a pardon from Trump for reality television couple Todd and Julie Chrisley, said banks may have the upper hand legally, but are under pressure “in this political atmosphere.”

Limiting banks’ ability to consider customers’ past criminal behavior risks exposing them to money laundering, fraud and sanctions violations, according to Richard Crone, a financial payments consultant in San Francisco. Crone said financial institutions have the right to carefully consider whether to work with known fraudsters, even if they’ve been pardoned. He questioned what would happen if someone like the late Ponzi scheme operator Bernie Madoff was given clemency.

Even with a pardon, Crone said, “risk-based assessments could still block someone like Madoff from being banked or extended credit.”

Those who lose banking over criminal allegations will usually seek workarounds, such as using accounts owned by family, friends, or perhaps an accountant or a lawyer, said Russell Duncan, a partner at Clark Hill in Washington. “They’ll go to smaller institutions that are perhaps under less regulatory scrutiny or have more flexible standards,” said Duncan, a former federal prosecutor.

JPMorgan cited reputational risk when moving to close two accounts owned by Banki in September 2024, according to documents filed by the bank in federal court in Jacksonville, Florida. That decision stemmed from Banki’s 2010 conviction for violating US sanctions on Iran as well as operating an unlicensed money transfer business and making false statements to investigators. He spent 22 months in prison before most of his conviction was overturned on appeal.

Banki filed cases last year against JPMorgan and Bank of America, alleging they denied him credit based on his dual US-Iranian citizenship. He also accused JPMorgan of seeking to close his First Republic Bank accounts, which JPMorgan acquired when that firm collapsed in 2023. He filed a third lawsuit against several entities, including Fidelity Brokerage Services, alleging they refused to let him open a college tuition savings account without saying why.

In a filing last year, a Chase executive told the court that it closed the accounts “as a result of the negative media and possible reputational risk to the bank from Mr. Banki.”

After Banki sought a temporary restraining order, JPMorgan this year reversed its decision and agreed to keep his former First Republic accounts open. Fidelity settled the matter with him this year. Bank of America and Banki reached an impasse in their settlement talks, according to a recent court filing, and are now proposing a trial date in August 2026.

Patricia Wexler, a spokeswoman for JPMorgan, said the bank decided to leave the former First Republic accounts open “given the successful appeal and the time that had passed without additional criminal charges.”

A Bank of America spokesman declined to comment. In a court filing, the lender said it didn’t discriminate against the plaintiff based on his national origin, but denied him credit “in light of his criminal background and associated banking history.”

Banki and his lawyers didn’t respond to messages seeking comment. Fidelity declined to comment.

Broidy, 68, is the chairman and chief executive officer of Broidy Capital Holdings, an investment firm in Boca Raton, Florida. He’s also been a key figure in the Republican National Committee, serving as finance chairman for three years beginning in 2005, then as deputy finance chairman for two years during the first Trump administration. He stepped down from that role in 2018 after he agreed to pay $1.6 million to a former Playboy model who became pregnant during an affair.

In October 2020, Broidy pleaded guilty to illegally lobbying Trump’s administration to help fugitive Malaysian businessman Jho Low block an investigation into the 1MDB investment fund and aid Low’s push on behalf of China for the US to extradite Guo Wengui, a wealthy exile who criticized China’s government. Low, whose scheme is alleged to have siphoned $4.5 billion from Malaysia’s state wealth fund, initially paid $8 million to Broidy and promised $75 million more if he succeeded in persuading the Justice Department to walk away from its civil forfeiture case, according to a transcript of Broidy’s plea hearing.

As part of a plea deal with federal prosecutors, Broidy agreed to forfeit $6.6 million. He faced as much as five years in prison. Before he was sentenced, Trump pardoned him along with more than 70 others on the final day of his first term.

Broidy Capital has a corporate account with American Express in the name of its operations manager. In February, Broidy sought to secure an additional card on that account in his name, but was denied. The lender said it was due to his history with American Express. Broidy in his lawsuit claims he never had a negative issue with American Express and had an excellent payment history. He alleges the firm violated the Equal Credit Opportunity Act by not giving him a specific explanation.

An American Express spokeswoman said the company doesn’t comment on individual clients or specific account decisions, which are guided by “data-driven, risk based and financial factors.” “We do not make credit decisions based on personal views or political affiliations,” she added.

In late August, American Express in a legal filing said Broidy was aware that it previously canceled three of his accounts because they were “not being used for their intended purpose.” The lender didn’t explain further other than saying the cancellations followed Broidy’s October 2020 guilty plea.

Broidy and his lawyers didn’t respond to messages seeking comment.

For now, American Express argues in court documents that any challenge to its decision not to issue a card must be handled in arbitration, not a court, per its customer agreement. A judge has scheduled a hearing for Oct. 23.

With assistance from Paige Smith and Kara Wetzel.

©2025 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.

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By CATHY BUSSEWITZ, Associated Press

NEW YORK (AP) — With the U.S. experiencing a significant hiring slowdown, it’s a daunting time to be looking for a job. Many workers are staying put instead of changing jobs to secure better pay. Artificial intelligence tools increasingly screen the resumes of applicants. Now may seem like an inappropriate time to request a raise.

But sticking around doesn’t mean wages and salaries have to stagnate. Career experts say it’s not wrong, even in a shaky economy, to ask to be paid what you’re worth. Raises aren’t even necessarily off the table at organizations that are downsizing, according to some experts.

“A lot of people think if their company has done layoffs, the likelihood of getting a raise is pretty low,” said Jamie Kohn, a senior director in the human resources practice at business research and advisory firm Gartner. “And that might be true, but the the other way to think about it is that this company has already decided to reinvest in you by keeping you on.”

When should you ask?

If you’ve taken on greater responsibilities at work and have received strong performance reviews, or if you’ve learned you’re paid substantially less than colleagues or competitors with similar levels of experience, then it may be the right time to ask for a pay adjustment.

“They know that you’re taking on more work, especially if you’ve had layoffs on your team,” Kohn continued. “At that point, it is very hard for them to lose an employee that you know they now are relying on much more.”

Another signal that it’s time to ask for an adjustment is if you’re working a second job to make ends meet or your current financial situation is causing angst that impacts job performance, said Rodney Williams, co-founder of SoLo Funds, a community finance platform.

“There’s nothing wrong with saying, ’Hey, I need to raise my financial position. I’m willing to do more,” Williams said. “I’m willing to show up earlier, I’m willing to leave later, I’m willing to help out, maybe, and do other things here.”

Some people view asking for more compensation as less risky than switching to a new job. “There is a sense of not wanting to be ‘last in, first out’ in a potential layoff situation,” said Kohn.

Know your worth

Before starting the compensation conversation, do some research on current salaries. You can find out what people with comparable experience are making in your industry by searching on websites such as Glassdoor, where people self-report salaries, or ZipRecruiter, which gathers pay data from job postings and other sources.

Three years ago, a lot of people asked for 20% pay increases because of price inflation and high employee turnover coming out of the coronavirus pandemic, Kohn said. Companies no longer are considering such big bumps.

“Right now, I think you could say that you are worth 10% more, but you’re unlikely to get a 10% pay increase if you ask for it,” she said.

Your success also depends on your recent performance reviews. “If you’ve been given additional responsibilities, if you are operating at a level that would be a promotion, those might be situations where asking for a higher amount might be worth it,” Kohn said.

Compare notes with colleagues

Many people view the topic as taboo, but telling coworkers what you make and asking if they earn more may prove instructive. Trusted coworkers with similar roles are potential sources. People who were recently hired or promoted may supply a sense of the market rate, Kohn said.

“You can say, ‘Hey, I’m trying to make sure I’m being paid equitably. Are you making over or under X dollars?’ That’s one of my favorite phrases to use, and it invites people into a healthy discussion,” Sam DeMase, a career expert with ZipRecruiter, said. “People are way more interested in talking about salary than you might think.”

You can also reach out to people who left the company, who may be more willing to compare paychecks than current colleagues, DeMase said.

Brag sheet

Keep track of your accomplishments and positive feedback on your work. Compile it into one document, which human resources professionals call a “brag sheet,” DeMase said. If you’re making your request in writing, list those accomplishments when you ask for a raise. If the request is made in a conversation, you can use the list as talking points.

Be sure to list any work or responsibilities that typically would not have been part of your job description. “Employers are wanting employees to do more with less, so we need to be documenting all of the ways in which we’re working outside of our job scope,” DeMase said.

Also take stock of the unique skills or traits you bring to the team.

“People tend to overestimate our employers’ alternatives,” said Oakbay Consulting CEO Emily Epstein, who teaches negotiation courses at Harvard University and the University of California, Berkeley. “We assume they could just hire a long line of people, but it may be that we bring specialized expertise to our roles, something that would be hard to replace.”

Timing matters

Don’t seek a raise when your boss is hungry or at the end of a long day because the answer is more likely to be no, advises Epstein, whose company offers training on communication, conflict resolution and other business skills. If they’re well-rested and feeling great, you’re more likely to succeed, she said.

Getting a raise is probably easier in booming fields, such as cybersecurity, while it could be a tough time to request one if you work in an industry that is shedding positions, Epstein said.

By the same token, waiting for the perfect time presents the risk of missing out on a chance to advocate for yourself.

“You could wait your whole life for your boss to be well-rested or to have a lot of resources,” Epstein said. “So don’t wait forever.”

Responding to “no”

If your request is denied, having made it can help set the stage for a future negotiation.

Ask your manager what makes it difficult to say yes, Epstein suggested. “Is it the precedent you’d be establishing for this position that might be hard to live up to? Is it fairness to the other people in my position? Is it, right now the company’s struggling?” she said.

Ask when you might revisit the conversation and whether you can get that timeframe in writing, DeMase said.

Laura Kreller, an executive assistant at a university in Louisiana, recently earned a master’s degree and asked for her job description to change to reflect greater responsibilities and hopefully higher pay. Her boss was kind but turned her down, citing funding constraints. Kreller said she has no regrets.

“I was proud of myself for doing it,” she said. “It’s better to know where you stand.”

Share your stories and questions about workplace wellness at cbussewitz@ap.org. Follow AP’s Be Well coverage, focusing on wellness, fitness, diet and mental health at https://apnews.com/hub/be-well

By Hannah Elliott, Bloomberg News

There’s something fundamentally American about the freedom to get in your car and drive.

Driving is self-determination. The liberty to set your own course. The power to move under your own willpower, whether for duty or sheer pleasure. Despite some decline among Gen Zers, plenty of teens still eagerly anticipate getting their driver’s license. In many American towns, where public transportation and walkability are scarce, driving is what empowers you to explore.

Some motoring enthusiasts worry self-driving vehicles threaten that ideal. These robot autos, run by Google and China and Elon Musk, use AI and radars to navigate without human input; they could replace our car-centric culture with faceless communal bots controlled by opaque entities. Even worse, self-driving vehicles present safety concerns and other vulnerabilities, such as being hacked or spoofed by malicious agents at home or abroad.

I’ve covered the car industry for 20 years, and I would hate to see our sports coupes and road trips disappear. The risks associated with relinquishing control over my mobility also give me pause. Or they did. I took a Waymo for the first time recently in Los Angeles and … I haven’t stopped using it since. Rather than replace our cool cars, self-driving vehicles will, I predict, become a welcome complement to modern life, first as part of ride-sharing platforms and then as privately owned transport. Why? Because they offer an excellent solution for something nobody likes: commuting.

If driving is heaven, commuting is hell. Not even the hardest-core drivers like it. So the question isn’t whether self-driving will replace our favorite cars (I think not), but rather, will it remove the burden of our most mundane trips? And could it replace other ride-sharing platforms like Uber? I certainly hope so.

Waymo LLC, the self-driving car service subsidiary of Alphabet Inc., Google’s parent company, was founded in 2009 with a mission to explore what self-driving technology could offer. It now has more than 2,000 electric vehicles operating across its markets, which include LA, Phoenix and San Francisco, plus Austin and Atlanta, where Waymo rides are hailed via Uber. In 2026, Dallas, Denver, Miami, Nashville and Washington, DC, will join the ranks with Waymos on their streets. New York City just granted the company permission to continue testing there until the end of the year, and Seattle is in the works too. Waymo provides more than 250,000 trips each week, and regulators are already adapting. A new California law will soon authorize police to issue “notices of autonomous vehicle noncompliance” when they see driverless cars breaking traffic rules.

Beyond Waymo, robo-taxis and -shuttles are also running in China, Singapore and the Middle East, and they’re being tested across Europe. The vehicles are expected to become commercially available in the U.S. at a large scale by 2030, according to the research firm McKinsey.

But they’re a long way from being ubiquitous. A world of self-driving cars will require billions of dollars of development, improved navigation systems, increased charging infrastructures and new regulations to amend traffic laws. Ford, General Motors and Volkswagen have all canceled autonomous taxi programs they once funded by the billions. (GM is planning to renew exploring autonomous cars for personal use, rather than as a robotaxi service. Later this year, the autonomous mobility subsidiary of Volkswagen Group of America Inc. will begin testing electric autonomous ID. Buzz AD vehicles, with plans to offer rides via Uber 2026 in LA. The vehicles will use human operators during their testing and launch phases.) Tesla’s Robotaxis aren’t open to the public. Given the company’s proclivity for extensive delays, it’s unclear when they will be.

As self-driving options develop, consumer demand shouldn’t be a problem, according to experts; most people who try it like it. Waymo reports a 98% satisfaction rating among users in LA. Proponents note that more than 1.3 million deaths occur around the world annually in traffic accidents, whereas self-driving vehicles eliminate the human errors that cause more than 90% of those deaths, according to research by Global Market Insights.

Waymo uses a proprietary AI system for autonomous driving that has been installed on a fleet of Jaguar I-PACEs equipped with dozens of cameras and sensors. The technology is more robust than the hands-free driving systems we have in our own cars, combining AI learning with LiDAR, radar, cameras and high-definition maps to read and anticipate the environment.

There are still significant limitations to Waymo vehicles’ range and their ability to adapt to real-life scenarios. But after a week of Waymo rides, which I ordered easily via an app, other ride-sharing platforms seemed woefully outdated.

My first trip was not perfect. Our house in Hollywood sits outside Waymo’s range, so my gallant husband had to drive me about a mile down the hill to a cafe on Hollywood Boulevard, where I ordered the car. It took 26 (!) minutes to arrive—precious time lost because of high rider volume on a Monday morning. An Uber would have been there within a few minutes. But the vehicle showed up at exactly the time it had promised, unlike Uber, which tends to miss arrival estimates. A spokesperson from Uber did not comment.

Synched with my iPhone, the car unlocked automatically when it pulled up, waiting until I clicked my seat belt and pushed a green button on a screen in the rear to commence the journey. Icons in the app would have let me open the trunk, had I wanted, and allowed me to adjust the sound and temperature in the car.

Any drama I expected to feel from being alone in a moving vehicle just didn’t exist. No driver? No problem. I forgot about it before I even hit Santa Monica Boulevard, and my 44-minute ride to the office proved delightfully uneventful while my productivity soared: I stretched my legs; checked email; made phone calls and wrote to-do lists—all things I cannot do when driving myself to the newsroom each morning. The trip cost $23.28, almost half the price of an Uber Black ($41.25) or UberX ($42.95) at the same hour.

There were a few hiccups. The car froze momentarily behind a truck parked illegally, causing other drivers to honk erratically. More annoyingly, it didn’t drop me at the address I requested but in a hotel valet line across an intersection and down the next block. I’ve learned that Waymos often leave passengers on side streets or one block past a chosen destination, depending on how busy the drop-off point seems. (This is because the cars are programmed to prioritize safety and efficiency rather than moving swiftly in hectic traffic.) That would have been frustrating had it been raining, or an unfamiliar neighborhood, or had I been wearing heels.

There’s room for improvement in the car’s ability to take a direct route to a destination rather than zig-zagging or circling the arrival spot before stopping, as it did one evening when trying to avoid busy corners to drop me off in Hollywood. It made for a slightly longer drive than if I had done it myself. Indeed, the logistical challenges of using Waymo are its biggest problem. One night it wouldn’t let me change my destination just 15 minutes into a 55-minute journey, even though the new destination was far closer. (It would have allowed me to cancel the ride, leaving me on the street corner.)

I’m hoping all this will improve as Waymo expands its range—and incorporates highways and Interstates, which it currently does not—because the privacy, punctuality and peace inside the cabin are delightful. I found myself scheduling Waymos to take me to dinner in West Hollywood or to try on shoes at Reformation on Melrose Avenue. It was freeing not to stress about parking or bad drivers.

If more folks used self-driving cars, it would lead to more parking; reduce road rage, drunk driving and traffic accidents; and alleviate noise pollution and congestion. Waymo is a far better driver than most of the ride-sharing and taxi drivers I’ve had. It’s certainly more courteous, gliding elegantly through yellow lights, and moving up in line at stoplights if the vehicle behind it wants to turn right. The car remained smooth and predictable even in tight traffic, navigating tiny neighborhood streets with ease. I was so relaxed I started dozing.

One morning I even walked myself 20 minutes down to the Hollywood coffee shop so I could take a Waymo again to work. I didn’t love the hike, but I wanted that solitary ride. (Mornings when I needed to be in the office at a specific time, I drove myself.)

The solitude is the top benefit I hear from everyone I speak with about the service—especially women and gay and trans friends who worry about being accosted, harassed or ogled by drivers. Self-driving cars offer a way to ride alone in safety. We just need the services to be bigger and better and more flexible.

It’s encouraging to see the industry growing, with companies like Zoox, Pony Ai and WeRide working to expand the technology. In 2024 the global market for self-driving cars was valued at $1.7 trillion, according to Global Market Insights. It’s expected to hit $3.9 trillion by 2034.

As for me, I’ll plan to hold on to my cars and use Waymo for my daily commute and mundane chores. If I’m lucky, I’ll never have to take an Uber again.

©2025 Bloomberg L.P. Visit bloomberg.com. Distributed by Tribune Content Agency, LLC.