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.

Amy Arnott of Morningstar

Deciding where to live later in life isn’t an easy task. Many seniors prefer to stay in their own homes but may need help managing medical issues or day-to-day tasks. Others might move in with their adult children or family members.

One potential solution is a continuing care retirement community, or life plan community.

A CCRC is a community living facility where retirees can access a spectrum of care as they age—care levels typically include independent living, assisted living, nursing care, and memory care. Most CCRCs also offer a range of amenities and activities, such as on-site fitness centers and groups for different hobbies.

There’s evidence that people living in CCRCs enjoy better health outcomes, and higher levels of social and emotional well-being. It can also be an attractive option for couples as they can continue living near each other even if one person eventually needs a higher level of care.

Moving to a CCRC requires a substantial financial commitment, and it carries the sobering possibility that it might be the last time you get to choose where you live. Here are some key things to consider:

Fees and living arrangements

People entering a CCRC generally start in independent living, with their own living quarters.

In many cases, the cost of admission could be on par with buying a house in the same area. Based on data from US News & World Report, entrance fees average about $400,000 but can range from $100,000 to more than $1 million. The hefty price tag doesn’t mean you’re buying the property you live in; instead, the money helps cover part of the costs you may incur while living there and may be partially refundable to your estate after death.

Residents also pay monthly fees, which averaged about $4,200 for independent living as of the end of 2024. Monthly fees, which often increase about 4% per year to cover inflation, generally cover housing, meals, housekeeping, maintenance, transportation, and recreational activities. Depending on your contract, monthly fees may also cover certain healthcare costs.

Three types of CCRC contracts

Type A contracts are the costliest option. They have the steepest entrance fees and the highest starting monthly fees, which generally cover comprehensive long-term-care services and remain the same (except for annual inflation increases) even if you need a higher level of care.

Type B contracts have lower upfront costs than Type A contracts, and lower monthly fees when you first move in. They provide the same access to housing and residential services as Type A contracts, but not the same level of access to healthcare services. If a resident needs a higher level of care, the monthly fee grows to cover the higher cost. In exchange for lower monthly fees at move-in, people in these contracts take the risk that their costs could significantly increase.

Type C contracts generally have the lowest upfront costs and may not include any entrance fee. Instead, the monthly fee changes to reflect the market rate for the type of healthcare needed. Monthly fees start lower when a resident first enters independent living but can grow dramatically if they need higher-level care. As with Type B contracts, people in these contracts pay lower monthly fees when they move in but may end up paying significantly more.

Other factors to consider with contracts

The upfront payments included in Type A and Type B contracts are often partially refundable after you leave the facility or pass away. Though, there fundable portion of the fee varies.

Taxes are another factor to consider.

For Type A and Type B contracts, part of the entrance fee may be eligible for a one-time tax deduction as a prepaid medical expense. A portion of the monthly fees may also be eligible for annual deductions if they’re considered a prepaid medical expense. (In both cases, deductions are only allowed if the costs are more than 7.5% of adjusted gross income.) Facilities typically provide residents with specifics on the portion of fees that may be deductible each year.

Finding the right fit

ACCRC can help seniors maintain a happy, healthy, and rewarding life. But it’s imperative to make sure the facility is not only a good fit for your needs, but financially strong before signing a contract.

The National Continuing Care Residents Association offers resources that include a Consumer Guide, a Handbook on CCRC Finance, and a Model Bill of Rights.

This article was provided to The Associated Press by Morningstar. For more personal finance content, go to https://www.morningstar.com/personal-finance

Amy C. Arnott, CFA is a portfolio strategist for Morningstar.

The internet and the social platforms that exist there have been both an interesting and unsettling experiment. When we look back at how it’s changed—and changed us—one can only wonder whether we are better or worse off because of it.

The web can be a useful tool for connection and amplify some of the more unsettling parts of society.  This plays out with consumer reviews. While being a useful way to find out the quality and value of an item or service, reviews can have unintended consequences.

Some issues with review platforms stem from walking the tightrope between serving customers and businesses. It’s also hard to be truly representative when not everyone decides to leave reviews. 

Michael Luca is a professor at Johns Hopkins whose work focuses on the design of online platforms. He joined the show to provide some perspective on how platforms work and tell us why all of this matters.

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

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

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Caffeine is a part of our daily routine. From that morning cup of Earl Grey to an evening espresso, days are stimulated by cups of coffee and tea. Over the past year, getting that fix is roasting your wallet.

At Detroit Sip, a coffee shop in the city’s Bagley Neighborhood, owner Jevona Fudge has lent out the space for a campaign kickoff event. She and two employees are working to keep everyone happy and caffeinated.

Fudge says business has been a little inconsistent.

“My God, it’s up and down, to be honest, just trying to find creative ways to bring people in,” Fudge said.

“Everybody loves coffee.”

The National Coffee Association says two thirds of American adults drink coffee at a clip of 3 cups per day.

Fudge, whose day job is as an assistant Macomb County prosecutor, says money is tight.

“I don’t really know I’m going to try to make it through the end of the year. I have a job that helps fund the dream, and I need to keep my employees happy,” Fudge said. “So really, just trying to do a balancing act.”

There’s a lot of that going around within metro Detroit’s coffee community, and the industry as a whole.

 

Craig Batory, owner of Craig’s Coffee in Detroit’s resurgent Chinatown neighborhood, feels that way. He says prices are up 25-50% over the past year.

“Yeah, I’ve had to raise prices a couple of times in the last year, and that’s just been sort of reflective on the rising cost of coffee,” Batory said. “And that’s not even talking about the tariffs, right?”

About those tariffs, the biggie for coffee drinkers is a Trump Administration levy on imports from Brazil. The South American country is the leading provider of coffee beans in the U.S.

Batory says he’s covered—for now.

“I still have inventory from Brazil, but when that runs out, we’ll have to either figure out a different sourcing option or set our prices accordingly, based on the cost of the coffee rising by 40% the last year and the 50% tariff,” Batory said.

“So you’re looking at potentially a 90% increase.”

Not just tariffs

Coffee prices were rising before the on-again-off-again tariffs.

Frank Lanzkron-Tamarazo moves about 60,000 pounds of beans each year through Chazzano Coffee Roasters in Berkley. He’s spent years developing relationships and sourcing his beans directly from farms.

“So the tariffs really aren’t the problem, and they’re only a temporary problem,” Lanzkron-Tamarazo said.

Turns out there are a bunch of factors that go into that cup o’ joe.

“There are not enough truck drivers, there are not enough workers in in warehouses. There are not enough people picking coffee beans, and there are not enough containers to put the coffee beans in,” Lanzkron-Tamarazo said.

That’s on top of changes to growing conditions due to climate change and changing political climates in coffee growing nations. At Chazzano, that’s translated into a $2-3 per pound increase.

Lanzkron-Tamarazzo says after 15 years in the business he’s used to the ups and downs.

“I lived through a time when coffee prices were unnaturally low, just maybe like three or four years ago, where it was so low that I was worried about the farmers, whether they’re doing well enough during that time, it was so incredibly low,” Lanzkron-Tamarazo said.

 

So while the tariffs aren’t the focus for rising coffee prices, Craig Batory says there is some concern about the levies changing the habits for coffee growers and importers.

“Tariffs have made certain countries sort of shift where they’re selling their coffee. So a lot of countries like Brazil might start shifting their sales from the United States to China, because a lot of Asian countries are starting to consume more coffee.”

Those Asian countries also consume a lot of tea—which has largely avoided the price increases.

Though there’s one big exception according to Jeff Urcheck, a Detroit-based importer of high-end teas for restaurants and coffee shops.

“The past few years have really skyrocketed matcha, in particular, into everybody’s social media algorithm because it’s been such a huge trending health and fitness focused product as an alternative to coffee,” Urcheck said.

Through his company, Hamtramck-based Noka Imports, Urcheck says the politics—even outside of tariffs—hurts his business.

 

“So it’s not really viable for us to deal with tea from China, because there hasn’t been an administration in the past like, well, frankly, during my entire lifetime, who’s been amenable to non-aggressive foreign policy when it comes to China,” Urcheck said.

Urcheck says America First attitudes don’t work for things that won’t grow in the U.S.

“If you’re having a bunch of inconsistent—and frankly maladaptive—trade agreements that are just there to be some kind of a bullying flex on a market that is increasingly reliant on globalization and global trade, you’re kind of putting yourself in a losing position,” Urcheck said.

“We can’t get or make a lot of stuff here. We don’t have the climate for it. We don’t have the natural resources for it. So we are we have to import a lot of stuff.”

So while the initial impact of seemingly arbitrary and constantly changing tariffs isn’t the biggest driving factor for prices it’s still having an impact.

“Smaller businesses, including the ones that I work with… just everybody’s been really kind of stalled and nervous about how these tariffs are going to affect the consumer demand, but also the longevity of their own businesses,” Urcheck said.

Getting creative

Even through this time of higher prices, there’s a thought that independent roasters and importers can provide something that chains like Dunkin’ and Starbucks cannot.

“I think that consumers are going to start being a lot more thoughtful about how they’re spending their money. So the focus right now is to provide a good quality bean, a good quality cup of coffee. And, you know, focus on what our messaging is like. We provide sustainable, traceable coffee, we roast it with care, and we want to make sure that our consumers are have something that’s enjoyable for them to drink,” Batory said.

At Chazzano, Frank Lanzkron-Tamarazo ships out coffee beans to every state in the nation. He feels like he’s threading the needle when it comes to prices.

“There’s an axiom that if you raise your prices and everyone complains, then it’s too high, and if you raise your prices and and no one complains, then it’s too low, and a couple people complain then it’s perfect. And unfortunately for the consumer, no one has complained.”

Back at Detroit Sip, that’s something Jevona Fudge has been thinking about even as she’s been hesitant to adapt to the current coffee market.

“I haven’t raised my prices really like I need to, because I have to balance my customer base and what’s happening in terms of inflation, the increased prices, the tariffs, hoping that they will reach some sense of normalcy before, you know, passing that cost on to the customer. So for right now, I’m eating it,” Fudge said.

Since the pandemic, consumers have been eating the cost of higher food prices too making this rise in coffee prices even tougher to swallow.

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By KELVIN CHAN, Associated Press

LONDON (AP) — iPhone users have a new tool to combat the scourge of nuisance phone calls: a virtual gatekeeper that can screen incoming calls from unknown numbers.

It’s among the bevy of new features that Apple rolled out with last month’s release of iOS 26. The screening feature has been getting attention because of the ever-increasing amount of robocalls and spam calls that leave many phone users feeling harassed.

Here’s a run-through of the new function:

How to activate call screening

First, you’ll need to update your iPhone’s operating system to iOS 26, which is available to the iPhone 11 and newer models.

To switch call screening on, go into Settings–Apps—Phone. Scroll down and you’ll find a new option: Screen Unknown Callers.

You’ll be presented with three choices. The Never option lets any unknown call ring through, while Silence sends all unidentified numbers directly to voicemail. What you want to tap is the middle option: Ask Reason for Calling.

If the option isn’t there, try restarting your phone.

I still couldn’t find it after updating to iOS 26, but, after some online sleuthing, I checked my region and language settings because I saw some online commenters reporting they had to match. It turns out my region was still set to Hong Kong, where I lived years ago. I switched it to the United Kingdom, which seemed to do the trick and gave me the updated menu.

How it works

Call screening introduces a layer between you and new callers.

When someone who’s not in your contacts list dials your number, a Siri-style voice will ask them to give their name and the purpose of their call.

At the same time, you’ll get a notification that the call is being screened. When the caller responds, the answers will be transcribed and the conversation will pop up in speech bubbles.

You can then answer the call.

Don’t want to answer? Send a reply by tapping one of the pre-written messages, such as “I’ll call you later” or “Send more information,” which the AI voice will read out to the caller.

Or you can type out your own message for the computer-generated voice to read out.

If you don’t respond right away, the phone will continue to ring while you decide what to do.

Teething troubles

In theory, call screening is a handy third way between the nuclear option of silencing all unknown callers — including legitimate ones — or letting them all through.

But it doesn’t always work perfectly, according to Associated Press colleagues and anecdotal reports from social media users.

One AP colleague said she was impressed with how seamlessly it worked. Another said it’s handy for screening out cold callers who found his number from marketing databases.

“However, it’s not great when delivery drivers try to call me and then just hang up,” he added.

Some internet users have similar complaints, complaining that important calls that they were expecting from their auto mechanic or plumber didn’t make it through. Perhaps the callers assumed it was an answering machine and didn’t seem to realize they had to stay on the line and interact with it.

I encountered a different issue the first time it kicked in for me, when an unknown caller — whether mistakenly or not — threw me off by giving my name instead of theirs. So I answered because I assumed it was someone I knew, forgetting that I could tap out a reply asking them again for their name.

The caller turned out to be someone who had obtained my name and number and was trying to get me to do a survey. I had to make my excuses and hang up.

If you don’t like call screening, you can turn it off at any time.

As for Android

Apple is catching up with Google, which introduced a similar automatic call screening feature years ago for Pixel users in the United States.

Last month, the company announced the feature is rolling out to users in three more countries: Australia, Canada and Ireland.

If it’s not already on, go to your Phone app’s Settings and look for Call Screen.

Google’s version is even more automated. When someone you don’t know calls, the phone will ask who it is and why they’re calling. It will hang up if it determines that it’s a junk call, but let calls it deems to be legit ring through.

Google warns that not all spam calls and robocalls can be detected, nor will it always fully understand and transcribe what a caller says.

Samsung, too, lets users of its Galaxy Android phones screen calls by using its AI assistant Bixby’s text call function, which works in a similar way.

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.

By Rae Ellen Bichell, KFF Health News

Stacey Knoll thought the court summons she received was a scam. She didn’t remember getting any medical bills from Montrose Regional Health, a nonprofit hospital, after a 2020 emergency room visit.

So she was shocked when, three years after the trip to the hospital, her employer received court orders requiring it to start funneling a chunk of her paychecks to a debt collector for an unpaid $881 medical bill — which had grown to $1,155.26 from interest and court fees.

The timing was terrible. After leaving a bad marriage and staying in a shelter, she had just gotten full custody of her three children, steady housing in Montrose, Colorado, and a job at a gas station.

“And that’s when I got that garnishment from the court,” she said. “It was really scary. I’d never been on my own or raised kids on my own.”

KFF Health News reviewed 1,200 Colorado cases in which judges, over a two-year period from Feb. 1, 2022, through Feb. 1, 2024, gave permission to garnish wages over unpaid bills. At least 30% of the cases stemmed from medical care — even when patients’ bills should have been covered by Medicaid, the public insurance program for those with low incomes or disabilities. That 30% is likely an underestimate since medical debt is often hidden behind other types of debt, such as from credit cards or payday loans. But even that minimum would translate to roughly 14,000 cases a year in Colorado in which courts approved taking people’s wages because of unpaid medical bills.

Among the other findings:

• Patients were pursued for medical bills ranging from under $30 to over $30,000, with most of the bills amounting to less than $2,400. As the cases rolled through the legal system, accumulating interest and court fees, the amount that patients owed often grew by 25%. In one case, it snowballed by more than 400%.
• Cases trailed people for up to 14 years after they received medical care, with debt collectors reviving their cases even as they moved from job to job.
• Medical providers of all stripes are behind these bills — big health care chains, small rural hospitals, physician groups, public ambulance services, and more. In several cases, hospitals won permission to take the pay of their own employees who had unpaid bills from treatment at the facilities.

Colorado has company. It is one of 45 states that allow wage garnishment for unpaid medical bills. Only Delaware, New York, North Carolina, Pennsylvania, and Texas have banned wage garnishment for medical debt.

As KFF Health News has reported, medical debt is devastating for millions of people across the country. And now the problem is likely to grow more pressing nationwide. Millions of Americans are expected to lose health insurance in the coming years due to Medicaid changes in President Donald Trump’s tax and spending law and if Congress allows some Affordable Care Act subsidies to expire. That means health crises for the newly uninsured could lead them, too, into a spiral of medical debt.

And the hurt will linger: Large unpaid medical bills are staying on credit reports in most states after a July decision from a federal judge reversed a new rule aimed at protecting consumers.

“If you can’t maintain your health, how are you going to work to pay back a debt?” said Adam Fox, deputy director of the Colorado Consumer Health Initiative, a nonprofit aimed at lowering health costs. “And if you fundamentally can’t pay the bill, wage garnishment isn’t going to help you do that. It’s going to put you in more financial distress.”

Flying blind on medical debt

When someone fails to pay a bill, the creditor that provided the service — whether for a garage door repair, a car loan, or medical care — can take the debtor to court. Creditors can also pass the debt to a debt collector or debt buyer, who can do the same.

“At any given point, about 1% of working adults are being garnished for some reason,” said Anthony DeFusco, an economist at the University of Wisconsin-Madison, who studied paycheck data from ADP, a payroll processor that distributes paychecks to about a fifth of private sector U.S. workers. “That’s a big chunk of the population.”

But specific research into the practice of garnishing wages over medical debt is scant. Studies in North Carolina, Virginia, and New York have found that nonprofit hospitals commonly garnish wages from indebted patients, with some studies finding those patients tend to work in low-wage occupations.

Marty Makary, who led research on medical debt wage garnishment in Virginia at Johns Hopkins University before joining Trump’s cabinet as Food and Drug Administration commissioner, has called the practice “aggressive.” He co-authored a study that found 36% of Virginia hospitals, mostly nonprofit and mostly in urban areas, were using garnishment to collect unpaid debts in 2017, affecting thousands of patients.

The Colorado findings from KFF Health News show that hospitals are far from the only medical providers going after patients’ paychecks, though.

Researchers and advocates say that, in addition to a dearth of court case data, another phenomenon tends to obscure how often this happens. “People find debt shameful,” said Lester Bird, a senior manager at the Pew Charitable Trusts who specializes in courts. “A lot of this exists in the shadows.”

Without data on how often this tactic is employed, lawmakers are flying blind — even as a 2024 Associated Press-NORC poll showed about 4 in 5 U.S. adults believe it’s important for the federal government to provide medical debt relief.

‘Blood from a turnip’

Colorado was among the first of 15 states to scratch medical debt from credit reports. Debt buyers in the state aren’t allowed to foreclose on a patient’s home. If qualified patients opt to pay in monthly installments, those payments shouldn’t exceed 6% of their household income — and the remaining debt gets wiped after about three years of paying.

But if they don’t agree to a payment plan, Coloradans can have up to 20% of their disposable earnings garnished. The National Consumer Law Center gave the state a “D” grade for state protections of family finances.

Consumer advocates said they aren’t sure how well even those Colorado requirements are being followed. And people wrote letters to the courts saying wage garnishment would exacerbate their already dire financial situations.

“I have begun to fall behind on my electricity, my gas, my water my credit cards,” wrote a man in western Colorado in a letter to a judge that KFF Health News obtained in the court filings. Court records show he was working in construction and at a rent-to-own store, with about $8,000 in medical debt. He wrote to the judge that he was paying close to $1,000 a month. “The way things are going now I will lose everything.”

The people being sued in KFF Health News’ Colorado review worked in a wide array of jobs. They worked in school districts, ranching, mining, construction, local government, even health care. Several worked at stores such as Walmart and Family Dollar, or at gas stations, restaurants, or grocery stores.

“You’re really kicking people when they’re down,” said Lois Lupica, a former attorney working with the Denver-based Community Economic Defense Project and the Debt Collection Lab at Princeton. “They’re basically suing the you-can’t-get-blood-from-a-turnip population.”

In 2022, court records show, Valley View health system based in Glenwood Springs was allowed to garnish the wages of one of its patients over a $400 medical bill. The patient was working at a local organization that the health system supported as part of the community benefits it provides to keep its tax-exempt status. Nonprofit hospitals like Valley View are required to provide community benefits, which can also include charity care that covers patients’ bills.

Stacey Gavrell, the health system’s chief community relations officer, said it offers options such as interest-free payment plans and care at reduced or no cost to families with incomes up to 500% of the federal poverty level.

“As our rural region’s largest healthcare provider, it is imperative to the health and well-being of our community that Valley View remains a financially viable organization,” she said. “Most of our patients work with us to develop a payment plan or pursue financial assistance.”

The collection agency that took the employee to court, A-1 Collection Agency, advertises itself on its website as empathetic: “We understand times are tough and money is tight.”

Pilar Mank, who oversees operations at A-1’s parent company, Healthcare Management, said it accepts payment plans as small as $50 a month and that most of the hospitals it works with allow it to offer a discount if patients pay all at once.

“Suing a patient is the absolute last resort,” she said. “We try everything we can to work with the patient.”

If you can’t maintain your health, how are you going to work to pay back a debt?

Hospitals sometimes also garnish wages from their own employees for care they provided them. In one case, a hospital employee worked her way up from housekeeper to registrar to quality analyst. She even participated in public events representing her employer and appeared on the hospital’s website as a featured employee — while the court issued writs of garnishment until her $10,000 in medical bills from the hospital was paid off.

“Hospital care costs money to deliver,” said Colorado Hospital Association spokesperson Julie Lonborg about hospitals’ garnishing their own employees’ wages. “In some ways, I think it’s funny to be asked the question. I would understand if someone said, ‘Why aren’t you garnishing their wages?’”

Studies show that hospital debt collection efforts through wage garnishment bring in only about 0.2% of hospital revenues, said April Kuehnhoff, a senior attorney with the National Consumer Law Center, which advocates for people with low incomes.

“We also know that there are states that don’t allow this at all,” she said. “Hospitals are continuing to provide medical care to consumers.”

Smooth sailing for collectors —but not for patients

Health care providers appeared as the plaintiffs in only 2% of the medical debt cases. Instead, cases were filed almost entirely by third-party debt collectors and buyers, with BC Services and Professional Finance Company behind more than half of the cases, followed by A-1 Collection Agency and Wakefield & Associates.

Debt buyers make money by buying debt from providers who’ve given up on getting paid then collecting what they can of the money owed, plus interest. Debt collectors get paid a percentage of what they recover. Some companies do a bit of both.

BC Services declined to comment, and Wakefield & Associates did not respond to questions.

Charlie Shoop, president of Professional Finance Company, said his company initiates wage garnishment on less than 1% of all accounts placed with it for collection.

Health care providers in Colorado can no longer hide behind debt collectors’ names when they sue people, according to a 2024 state law prompted by a 9News-Colorado Sun investigation in partnership with a Colorado News Collaborative-KFF Health News reporting project.

In many states, the path for filing a case against a debtor and garnishing their wages is relatively smooth — especially if the debtor doesn’t appear in court.

“It’s unbelievably easy,” said Dan Vedra, a lawyer in Colorado who often represents consumers in debt cases. “If you have a word processor and a spreadsheet, you can mass-produce thousands of lawsuits in a matter of hours or minutes.”

Within KFF Health News’ sample, nearly all the medical debt cases were default judgments, meaning the patient did not defend themselves in court or in writing. Missing a court date can happen for a variety of reasons, such as not receiving the notice in the mail, assuming it was a scam, knowingly ignoring it, or not having the time to take off from work.

Vedra and other debt law experts said a high rate of default judgments indicates a system that favors the pursuers over the pursued — and increases the chances someone will be harmed by an erroneous bill.

But in New Hampshire, creditors now have to keep going to court for each paycheck they want to garnish, because the state allows creditors to garnish only wages that have already been earned, said Maanasa Kona, an associate research professor at the Center on Health Insurance Reforms at Georgetown University.

“It might not look like much on paper,” she said. “It’s just not worth it if they have to keep going back to court.”

If you have a word processor and a spreadsheet, you can mass-produce thousands of lawsuits in a matter of hours or minutes.

Wrongly pursued for bills

The nation’s medical billing setup is already prone to errors due to its complexity, according to Barak Richman, a law professor at George Washington University and a senior scholar at Stanford Medicine who has studied medical debt collection practices in several states. “Bills are not only noncomprehensible, but often wrong,” Richman said.

Indeed, Colorado’s Health Care Policy & Financing Department, which runs Medicaid in the state, said it sent out nearly 11,000 letters in the past fiscal year to health providers and collectors that erroneously went after patients on Medicaid. Bills for Medicaid recipients are supposed to be sent to Medicaid, not the patients, who typically pay a nominal amount, if anything, for their care.

Shoop said his industry has pushed Colorado, without success, for access to a database that would allow them to confirm if patients had Medicaid coverage.

Colorado’s Medicaid program declined to comment.

Patricia DeHerrera in Rifle, Colorado, had to prove that she and her children had Medicaid when they received care at Grand River Health — but only after A-1 contacted her employer at the time, the gas station chain Kum & Go, with court-approved paperwork to take a portion of her paychecks.

She contacted the state, which sent letters to the hospital and the collector notifying them they were engaging in “illegal billing action” and telling the collector to stop. The companies did.

Theresa Wagenman, controller for Grand River Health, said if a patient can present a letter from a Medicaid caseworker saying they’re eligible, then their bills get removed from the collections pipeline. Wagenman also said patients get at least eight letters in the mail and several phone calls before Grand River gives the go-ahead for the collector to send them to court.

DeHerrera’s main advice to others in this situation: “Know your rights. Otherwise, they’re going to take advantage of you.”

Yet fighting back isn’t easy.

Nicole Silva, who lives in the 900-person town of Sanford in south-central Colorado, said she and her family were all on Medicaid when her daughter was in a car crash. Still, court records show, her wages were garnished for a $2,181.60 ambulance ride, which grew to more than $3,000 from court fees and interest.

She tried to prove the bill was wrong, contacting her county’s social services office, but Silva said it wasn’t helpful and she wasn’t able to reach the right person at a state office. The state Medicaid program confirmed to KFF Health News that her daughter was covered at the time of the wreck.

Fighting the bill felt like too much for Silva and her husband to handle while parenting a growing number of kids, one of them severely disabled, and working — she as a preschool teacher and he as a rancher.

Not receiving the roughly $500 a month that she said came out of her pay was enough to affect their ability to pay other bills. “It was deciding to buy groceries or pay the electric bill,” Silva said.

When their electricity got shut off, she said, they had to scramble to borrow money from colleagues and friends to get it turned back on — with an extra fee.

She said the saga makes her hesitant to call an ambulance in the future.

Fox, of the Colorado Consumer Health Initiative, said consumers often think they cannot do anything to stop their wages from being garnished, but they can contest it in court, for example by pointing out they should have qualified for discounted — or charity — care if the hospital that provided the treatment is a nonprofit.

DeFusco, the economist, believes filing for Chapter 7 bankruptcy is an underused option for debtors. It halts garnishment in its tracks, though not always permanently, and it comes with other consequences. But he understands it’s a Catch-22: It’s a complex process and typically necessitates hiring a lawyer.

“To get rid of your debt, you need money,” he said. “And the whole reason you’re in this situation is because you don’t have money.”

Methodology

We wanted to know how often Coloradans get their wages garnished due to medical debt. Courts don’t compile this information, and researchers and advocates haven’t tracked it systematically.

So we created our own database. We requested a list of all civil cases across the state in which judges gave permission for a person’s earnings to be garnished — known as writs of garnishment in court lingo — from Feb. 1, 2022, through Feb. 1, 2024. The Colorado Supreme Court Library provided a list from all courts except for Denver County Court, which provided its own records. The combined list comprised nearly 90,000 unique court cases. We split up the cases by county population — small (fewer than 10,000 people), medium (10,000 to 100,000 people), and large (more than 100,000 people) — then generated a random sample of 400 cases from each group to ensure we evaluated medical debt across counties of all sizes.

To identify medical debt cases, we looked at the original creditors named in court records, primarily the complaints or affidavits of indebtedness. Often, this information was available through a state website. When it wasn’t available online, we asked county courthouses to send us supporting documents. We counted dentists as medical providers. We excluded 14 cases in which the debt wasn’t exclusively medical.

We looked only at cases in which courts approved money to be garnished from someone’s paycheck, as opposed to from other sources such as their bank accounts. We did not review garnishment cases involving child support, taxes, or federal student loans.

KFF Health News intern Henry Larweh, data editor Holly K. Hacker, Mountain States editor Matt Volz, and web editor Lydia Zuraw contributed to this report.

©2025 KFF Health News. Distributed by Tribune Content Agency, LLC.

The Home Bakery in downtown Rochester debuted a tribute to Taylor Swift and her latest album, “The Life of a Showgirl” with a life-size cake.

It took five designers 75 hours to transform 30 pounds of fondant, 12 quarts of buttercream, eight sheets of crisped rice and one full sheet cake, into Swift-as-Vegas-style showgirl, complete with champagne glass.

Bakery owner Heather Tocco unveiled the new Swift cake on Friday at the bakery, 300 S. Main Street in Rochester.

“I chose to create a Taylor Swift-inspired window because, honestly, we’re a bunch of Swifties in here!” Tocco said, adding that she’s happy to celebrate the global superstar’s music because “I really admire her. Taylor isn’t just an incredibly talented artist, she’s a brilliant businesswoman, a master storyteller, and someone who has built a global community through creativity, resilience, and authenticity.”

Tocco said she thinks of her bakery’s windows as canvases for storytelling and celebrating cultural moments that bring people together.

Swift is a popular role model, especially for young women, she said because the singer-songwriter-director shows success comes from hard work, imagination “and the courage to reinvent yourself.”

Tocco plans to display the Swift cake through mid-November.

The bakery’s front window drew crowds in January for a tribute to the Lions’ Amon-Ra St. Brown’s iconic headstand and earlier for a life-size Spiderman cake.