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.

Waterford Township planning commissioners have approved a three-story 60-unit senior-living building on Scott Lake, over the objections of nearby residents.

Lourdes Senior Community has a nearly 40-acres campus along Watkins Lake Road next to Scott Lake, currently offering nearly 150 units devoted to independent and assisted living options, rehabilitation, short-term and long-term care and hospice care.

Scott Lake is a private, spring-fed 77-acre lake with depths up to 35 feet. It is considered an all-sports lake.

The township allows up to 10 units per acre; the new-building site is just over three acres on the campus and would allow up to 62 units, according to township officials.

The one- and two-bedroom apartments will have full kitchens and in-unit laundry utilities. The units range in size from just over 700 square feet to just under 1,200 square feet. Amenities in the building will include a bistro, theater, game room, chapel, salon, fitness center and multipurpose rooms. Apartments would cost $5,000 to $6,800 a month, depending on size. Lourdes existing independent-living units cost between $2,875 and $4,200.

Two docks are planned on the lake, with an agreement for a total of two pontoon boats that would be operated by staff, according to plans submitted to the township.

Lourdes’ President and CEO, Rich Acho, told The Oakland Press the company started in 1965 and remains one of the few Catholic nonprofit retirement communities in Oakland County. He said aging baby boomers will need more options in the near future.

Within a five-mile radius of Lourdes’ campus, Southeast Michigan Council of Governments’ 2050 economic forecasts show a 22% increase in households with people 75 years or older at a time when their children or other potential caregivers are moving out of the area.

“In our market area, ages 65+ will see a 32% increase by 2028,” Acho said. “With the workforce shortage, it is becoming increasingly difficult to hire private caregivers.”

But plans to add the 60-unit independent-living building to the campus riled many Scott Lake residents. They appealed to township planning commissioners to stop the project.

Lourdes revised the site plan to address township officials’ and residents’ concerns, including relocating the building to meet setback rules, redesigning the parking lot to meet township standards and hiring a company to do a traffic study. Lourdes widened a fire lane and added a sidewalk along Watkins Lake Road, while dropping plans for a pickleball court in favor of a courtyard designed for quiet activities.

Lourdes officials told the township that because residents are considered independent, there would only be a single staff member in the building to assist in the event an emergency required a 911 call.

David Cyplik lives two-tenths of a mile from Lourdes, closer to Watkins Lake. His wife was a patient there near the end of her life, he said, adding that he donates to Lourdes and supports the senior community in other ways. But he doesn’t support a 60-unit building and worries about traffic on Watkins Lake Road, especially during rush hours.

“If you live nearby, as I do, I see the traffic backing up every day,” he said. “It backs up for a long period of time.”

Jennifer Almassy said despite changes in Lourdes’ site plan, she remains concerned.

“It’s still a stark-white three-story building adding 60 units when there’s not even barely 100 houses on the lake. I think that’s excessive,” she said.

Another neighbor, Frank Scerbo, said he liked having the Lourdes across the lake.

“It’s nice and quiet. We’d just like to keep it that way,” he said.
“I ask you respectfully: Do not allow 60 units to be built there to stick out like a white elephant.”

Scerbo said one or two residents per unit would increase Watkins Lake Road traffic, either because they will be driving or having visitors.

Several asked for a traffic light for safety reasons.

Supporters included Lourdes residents and employees, who also spoke at the Sept. 23 meeting.

A retired priest, the Rev. Joe Lang, said he’s lived on Lourdes’ campus for three years and found it peaceful.

“It’s an environment in which people take good care of themselves,” he told the board, noting that many no longer drive.

Some Lourdes residents were accompanied by the company’s caregivers. One said she heard more noise from the 80 households that share Scott Lake than from her Lourdes neighbors.

The Southeast Michigan Council of Governments’ 2050 forecast of regional trends to predict how changes will affect the economy and the movement of residents and companies. The report is used to help decide how the infrastructure changes and what services are needed. SEMCOG’s report shows that aging is a major issue, with more older adults than children by 2026 in southeast Michigan, a trend that will be national by 2034 and global by 2050.

Higher-density housing is one SEMCOG recommendation for making sure older residents have access to transportation, food, housing, public spaces and social engagement.

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By MICHAEL PHILLIS and MATTHEW DALY, Associated Press

WASHINGTON (AP) — The Trump administration is cancelling $7.6 billion in grants that supported hundreds of clean energy projects in 16 states, all of which voted for Democrat Kamala Harris in last year’s presidential election.

The cuts were announced in a social media post late Wednesday by Russell Vought, the White House budget director: “Nearly $8 billion in Green New Scam funding to fuel the Left’s climate agenda is being cancelled.”

The move comes as President Donald Trump threatens cuts and firings in his fight with congressional Democrats over the federal government shutdown.

These cuts are likely to affect battery plants, hydrogen technology projects, upgrades to the electric grid and carbon-capture efforts, among many others, according to the environmental nonprofit Natural Resources Defense Council.

The Energy Department said in a statement Thursday that 223 projects were terminated after a review determined they did not adequately advance the nation’s energy needs or were not economically viable. Officials did not provide details about which projects are being cut, but said funding came from the Office of Clean Energy Demonstrations, Office of Energy Efficiency and Renewable Energy, and other DOE bureaus.

The cuts include $1.2 billion for California’s hydrogen hub that is aimed at accelerating hydrogen technology and production, according to Gov. Gavin Newsom’s office. The private sector has committed $10 billion for the hydrogen hub, Newsom’s office said, adding that canceling the Alliance for Renewable Clean Hydrogen Energy Systems threatens over 200,000 jobs.

“Clean hydrogen deserves to be part of California’s energy future — creating hundreds of thousands of new jobs and saving billions in health costs,” the Democratic governor said.

California Democratic Sen. Alex Padilla called cancelation of the project “vindictive, shortsighted and proof this administration is not serious about American energy dominance.”

The DOE said it has reviewed billions of dollars awarded by the Biden administration after Trump won the presidential election last November. More than a quarter of the rescinded grants were awarded between Election Day and Inauguration Day, the department said. The awards totaled more than $3.1 billion.

“President Trump promised to protect taxpayer dollars and expand America’s supply of affordable, reliable, and secure energy. Today’s cancellations deliver on that commitment,” Energy Secretary Chris Wright said.

The Trump administration has broadly targeted climate programs and clean energy, and is proposing to roll back vehicle emission and other greenhouse gas rules it says can’t be justified. The Environmental Protection Agency has proposed overturning a 2009 finding that climate change threatens public health. Many climate scientists have criticized the EPA effort as biased and misleading.

Democrats and environmental organizations were quick to slam the latest cuts, saying they would raise energy costs.

“This is yet another blow by the Trump administration against innovative technology, jobs and the clean energy needed to meet skyrocketing demand,” said Jackie Wong, a senior vice president at NRDC.

Vought said the projects being cut are in California, Colorado, Connecticut, Delaware, Hawaii, Illinois, Maryland, Massachusetts, Minnesota, New Hampshire, New Jersey, New Mexico, New York, Oregon, Vermont and Washington state.

The Associated Press receives support from the Walton Family Foundation for coverage of water and environmental policy. The AP is solely responsible for all content. For all of AP’s environmental coverage, visit https://apnews.com/hub/climate-and-environment

By Myesha Johnson, MediaNews Group

The Michigan Public Service Commission on Tuesday approved a $157 million natural gas rate increase for Consumers Energy that 1.8 million residential customers will see on their bills starting Nov. 1.

Customers’ monthly bills will rise by an average of $6.44, or 8.1%. Those affected are in areas from Michigan’s Thumb and portions of southeast Michigan to mid-Michigan stretching from Battle Creek and Kalamazoo to Midland and Standish in the north.

In making its case for the rate increase, Consumers said the incremental rate revenue would be used to replace “10,000 vintage service lines” directly connected to homes and businesses; install remote control valves used to manage “unexpected conditions”; update gas delivery hubs known as “city gates” to ensure safe gas flow.

Consumers Energy originally requested a rate increase of $248 million in December 2024, but later revised it to $217 million. The increase approved Tuesday carries a return on common equity of 9.8% and an overall rate of return of 5.99%.

Amy Bandyk, executive director of the Citizens Utility Board, said in an email the approximately $90 million cut from Consumers’ original request should have been larger: “Michigan ratepayers cannot afford the expanding investments into the gas system that our utilities are planning over coming decades.”

In a report released by the Citizens Utility Board this year, the organization says Michigan’s gas utilities including Consumers Energy, DTE Energy and SEMCO Energy Gas Company have tripled their infrastructure investments over the past decade. The combined annual capital expenditures of all three utilities went from $578 million in 2013 to $1.74 billion in 2023.

Bandyk also raised concern with the commission reducing Consumers’ return on equity by 0.1-percentage points, to 9.8%.

“While CUB is pleased the Commission reduced Consumers gas’s return on equity from 9.9% to 9.8%, that is still a higher rate of profit than the 9.7% that is a more typical return on equity for gas utilities based on national averages. Return on equity is essentially the part of the ratepayer bill that goes toward profit for the utility’s shareholders,” Bandyk said.

“A problem with this high return on equity is that it encourages the utility to keep building more gas infrastructure in order to collect a profit for shareholders, despite Michigan’s commitments to reduce greenhouse gas emissions and ultimately move away from gas in the long-term.”

Dan Scripps, chair of the Michigan Public Service Commission, said the return-on-equity cut was “modest” and “in line” with DTE Energy’s return on equity of 9.8% adopted in its most recent rate case.

“We feel this appropriately balances the interests of the company and its customers, as required by Michigan law and a long line of court precedent. One significant issue in our deliberations was competing evidence on the record that showed the current return on investment in the company’s proposed ROE were above industry peers, while at the same time, there was evidence on the record showing that average ROEs had increased in the last year due to macroeconomic factors as well as changes among the peer group.

“And so it was in balancing those competing evidentiary points that we found a modest decrease in the ROE was appropriate, but not as much as recommended by staff, the Attorney General and other parties and ultimately recommended by the administrative law judge,” Scripps said.

Attorney General Dana Nessel’s office said in a release Tuesday that she urged the MPSC to reduce the rate hike to $75.5 million.

“It is disappointing that the MPSC approved a rate hike far above not only my office’s recommendation, but even beyond its own judge’s finding that only $142 million was justified,” Nessel said in the release.

The public service commission’s decision supports a “careful and thoughtful balance between the modernization of gas infrastructure, the clean energy transition and the need to ensure affordability for customers,” said Commissioner Shaquila Myers.

In June, Michigan Attorney General Dana Nessel intervened in Consumers Energy’s request for a $436 million annual electric rate increase, three months after a separate rate hike was approved in March.

And on Sept. 12, DTE filed a notice with the MPSC of its intent to apply for a to-be-determined rate hike for natural gas customers — less than a year after getting approval to collect an additional $113 million from ratepayers.

By Cerys Davies, Los Angeles Times

On Monday, YouTube became the latest media and tech company to settle one of President Donald Trump’s lawsuits.

The Google-owned streamer agreed to pay $24.5 million to settle a lawsuit Trump filed after his account was banned following the Jan. 6, 2021, riots at the U.S. Capitol. That brings Trump’s haul from media and tech companies to more than $90 million in the last year.

Some of these suits deal with conflicts the president has experienced with news networks such as ABC and CBS. Others confront the fallout from the attack on the U.S. Capitol.

Some of the settlement money will pay for renovations to a presidential library Trump is building on 2.6 acres of waterfront property in Miami. Other funds will go to the nonprofit Trust for the National Mall, with the intention of building a Mar-a-Lago-style ballroom, which is expected to cost $200 million overall.

Here’s a rundown of the payouts:

YouTube: $24.5 million

After the Jan. 6 attack on the U.S. Capitol, YouTube suspended the president’s account on the platform because of Trump’s alleged role in the insurrection. At the time, the company had cited “concerns about the ongoing potential for violence” and violation of its “policies for inciting violence.”

Trump’s lawsuit, filed in 2021 at the U.S. District Court in Northern California, argued the account’s suspension was “censorship.” Before the case was settled, YouTube had already lifted its suspension on Trump in March 2023, in light of the then-upcoming presidential race.

In court documents filed Monday, Alphabet, the parent company of YouTube and Google, did not admit any wrongdoing in the matter. The company did not agree to make any policy or product changes in the deal.

Of the $24.5 million, $22 million is going to Trump, who will contribute the money to the Trust for the National Mall, which is “dedicated to restoring, preserving, and elevating the National Mall” as well as supporting the construction of the White House State Ballroom, according to the filing.

Alphabet will also have to pay an additional $2.5 million to other plaintiffs in the case, including the American Conservative Union and writer Naomi Wolf.

Meta and Twitter (X): $35 million

Social media platforms Facebook (now Meta) and Twitter (now X) had suspended Trump’s accounts over Jan. 6, 2021. At the time, Twitter put out a statement, saying that recent tweets from his “account and the context around them — specifically how they are being received and interpreted on and off Twitter” had to be suspended to avoid “the risk of further incitement of violence.”

Mark Zuckerberg of Meta also posted a statement on Facebook after banning Trump’s Meta accounts. He wrote, “We believe the risks of allowing the President to continue to use our service during this period are simply too great.”

In July of that year, Trump sued the companies for “censorship.”

By January 2023, Meta had reinstated Trump’s Facebook and Instagram accounts, as had X in 2022.

Shortly before Trump was going to take office for his second term, in January 2025, Meta decided to pay the incoming president $25 million to settle the lawsuit. Elon Musk, who had purchased Twitter and renamed it “X” in the interim, agreed to pay $10 million to settle its Trump case.

Paramount Global: $16 million

Paramount Global agreed to pay $16 million to resolve Trump’s legal salvo against “60 Minutes” over the editing of an interview with his 2024 opponent, then-Vice President Kamala Harris.

Trump claimed “60 Minutes” edited an interview with Harris to make her look better and bolster her chances in the election. CBS denied the claims, saying the edits were standard and the case was viewed as frivolous by 1st Amendment experts.

Trump wrote on Truth Social that CBS “did everything possible to illegally elect Kamala, including completely and corruptly changing major answers to Interview questions, but it just didn’t work for them.”

Last May, CBS offered $16 million to settle the civil suit filed in Texas. The lump sum included the president’s legal fees and an agreement that “60 Minutes” will release transcripts of interviews with future presidential candidates.

Less than a month after the settlement, the FCC approved Skydance Media’s acquisition of Paramount, which owns CBS.

Disney: $16 million

Earlier this year, ABC news anchor George Stephanopoulos appeared on the network’s “This Week” news program and asserted that Trump was found liable for raping writer E. Jean Carroll. In May 2023, a jury in New York declined to find Trump liable for rape, but did find him liable for sexual abuse of Carroll.

Trump responded to the on-air comments with a defamation lawsuit filed in federal court in Florida. The lawsuit was settled by ABC News, owned by Disney, last December. Disney agreed to pay $15 million toward Trump’s presidential library and $1 million of Trump’s legal fees.

The settlement also included an editor’s note, posted on the ABC News website, expressing regret for Stephanopoulos’ comments.

(Los Angeles Times staff writer Stephen Battaglio contributed to this report.)

©2025 Los Angeles Times. Visit at latimes.com. Distributed by Tribune Content Agency, LLC.

By PAUL WISEMAN and CHRISTOPHER RUGABER, AP Economics Writers

WASHINGTON (AP) — Shutdowns of the federal government usually don’t leave much economic damage. But the one that started Wednesday looks riskier, not least because President Donald Trump is threatening to use the standoff to permanently eliminate thousands of government jobs and the state of the economy is already precarious.

For now, financial markets are shrugging off the impasse as just the latest failure of Republicans and Democrats to agree on a budget and keep the government running.

“Everyone seems quite complacent about the shutdown, assuming the Democrats and Republicans will come to terms and life will go on, as has been the case in past shutdowns,” the independent economist Ed Yardeni wrote in a commentary Thursday. “History could certainly repeat, especially with a man known for dealmaking sitting in the Oval Office.”

But given the chasm separating the two political parties, Yardeni added, “the lack of caution is somewhat surprising.”

The U.S. government has now shut down 21 times in the past half century. The last of those shutdowns was the longest — stretching five weeks in December 2018 into January 2019 during Trump’s first term.

Even that one barely left a mark on the world’s biggest economy: The Congressional Budget Office estimates that it shaved just 0.02% off 2019 U.S. gross domestic product — the nation’s output of goods and services.

The economic impact of shutdowns is usually fleeting. Federal workers get furloughed and the federal government delays some spending while they last. When they’re over, federal workers go back to their jobs and collect back pay, and the government belatedly spends the money it had withheld. It’s pretty much a wash.

“Government shutdowns are inconvenient and messy,″ said Scott Helfstein, head of investment strategy at the investment firm Global X. ”But there is little evidence that they have a significant impact on the economy. Typically, the lost economic activity, if meaningful in the first place, is recovered in the following quarter.″

Government benefit payments that provide crucial income support for millions of Americans, such as Social Security, and health care programs such as Medicare, won’t be disrupted by the shutdown.

Data from previous shutdowns have shown little impact on U.S. GDP unless they are extended, according to CBO Director Phillip Swagel. “The impact is not immediate, but over time, there is a negative impact of a shutdown on the economy,” he recently told The Associated Press.

The damage could be worse this go-around.

First, some government agencies dodged the 2018-2019 shutdown because they’d received funding in advance and could just continue operating. That hasn’t happened this time: The CBO estimates that about 750,000 federal employees could be temporarily laid off.

Trump is also considering something more destructive: His budget office has threatened the mass firing of federal workers this time, not just putting them on temporary furlough.

A “reduction in force” would not only lay off employees but eliminate their positions, threatening more upheaval for a workforce that’s already been purged by Trump. “We’d be laying off a lot of people that are going to be very affected, and they’re Democrats. They’re going to be Democrats,” the president said Tuesday.

Thomas Ryan of Capital Economics wrote in a commentary that “it is reasonable to assume that (Trump’s mass layoff threat) is political bluster, aimed at pressuring Democrats to approve a funding extension without concessions.” But, he added, “if followed through, it could have longer-term consequences, prolonging government downsizing and keeping the sector as a drag on payrolls into next year.”

Ryan Sweet, chief U.S. economist at Oxford Economics, estimates that the shutdown and temporary loss of income for federal workers could shave 0.1 to 0.2 percentage points from the nation’s annual growth rate in the fourth quarter for each week the government is closed. Some of that will be recovered once it reopens.

“The economic costs of government shutdowns are normally minimal unless they last for several weeks,” Sweet wrote.

The showdown also comes at a time when the job market is already under strain, damaged by the lingering effects of high interest rates and uncertainty around Trump’s erratic campaign to slap taxes on imports from almost every country on earth and on specific products — from copper to foreign films.

Labor Department revisions earlier this month showed that the economy created 911,000 fewer jobs than originally reported in the year that ended in March. That meant that employers added an average of fewer than 71,000 new jobs a month over that period, not the 147,000 first reported. Since March, job creation has slowed even more — to an average 53,000 a month. During the 2021-2023 hiring boom that followed COVID-19 lockdowns, by contrast, the economy was creating 400,000 jobs a month.

The September jobs report was supposed to come out Friday — forecasters had expected to see 50,000 new jobs last month — but has been delayed indefinitely by the shutdown.

The economy is sending mixed signals, however. GDP growth came in at a strong 3.8% annual pace from April through June, reversing a 0.6% drop in the first three months of the year. But it’s not yet clear if that solid growth can continue, or if it will spur a rebound in hiring.

“The economy is very much on a ‘knife’s edge,’” said Michael Linden, senior policy fellow at the left-leaning Washington Center for Equitable Growth. “The economic data is pointing in different directions right now. Second-quarter GDP growth was strong, but how much of that was merely a bounce back from incredibly weak first quarter GDP is hard to know. What we know for sure is that the economy is creating fewer jobs, wage growth is slowing, and middle-class consumers are feeling pinched.”

Associated Press Writer Fatima Hussein in Washington contributed to this story.

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By DIDI TANG and PAUL WISEMAN, Associated Press

WASHINGTON (AP) — President Donald Trump’s push to revitalize American manufacturing by luring foreign investment into the U.S. has run smack into one of his other priorities: cracking down on illegal immigration.

Hardly a week after immigration authorities raided a sprawling Hyundai battery plant in Georgia, detained more than 300 South Korean workers and showed video of some of them shackled in chains, South Korean President Lee Jae Myung warned that the country’s other companies may be reluctant to take up Trump’s invitation to pour money into the United States.

The detained South Koreans were released Thursday and most were flown home.

If the U.S. can’t promptly issue visas to the technicians and other skilled workers needed to launch plants, then “establishing a local factory in the United States will either come with severe disadvantages or become very difficult for our companies,” Lee said Thursday. “They will wonder whether they should even do it.”

The raid and subsequent diplomatic crisis show how the Trump administration’s mass deportation goals are running up against its efforts to bring in money from abroad to drive the U.S. economy and create more jobs. Moves like workplace immigration enforcement and visa restrictions could risk alienating allies that are pledging to invest hundreds of billions of dollars in the U.S. to avoid high tariffs.

South Korea is already a big investor in the US

Trump’s economic agenda is built around using hefty tariffs on imports, including a 15% levy on South Korean products, as a cudgel to force manufacturing to return to the U.S. He’s repeatedly said foreign companies can escape his tariffs if they produce in America. South Korea, already a top investor, pledged to invest $350 billion in the U.S. when the two sides announced a trade deal in July.

It made more investments in new construction, such as factories, on previously undeveloped land than any other country in 2022. Last year, it ranked 12th in the world with $93 billion in total American investment — including acquisitions of existing companies, according to the U.S. Bureau of Economic Analysis.

But the dramatic roundup of South Koreans and others working to set up the battery plant threatens to put a chill on the investment push. Indeed, Trump seems to be trying to undo the damage.

While demanding that foreign investors “LEGALLY bring your very smart people,” Trump also promised to “make it quickly and legally possible for you to do so.”

“President Trump will continue delivering on his promise to make the United States the best place in the world to do business, while also enforcing federal immigration laws,” White House spokeswoman Abigail Jackson said in a statement Thursday.

For now, the South Koreans are furious and immigration experts are puzzled. It’s been common practice for decades for foreign companies — such as the Japanese and German carmakers that have built factories in the American Midwest and South — to send technical specialists from their home countries to help open plants in the United States. Most of them train U.S. workers, then go home.

“Japanese managers, senior engineers, other technical experts had to come to the United States to set this stuff up,” said Lee Branstetter, a professor of economics and public policy at Carnegie Mellon University who’s studied Japanese auto plants in the U.S.

American companies do the same thing, sending U.S. workers overseas temporarily to get operations started.

Some experts call it a baffling, ‘performative’ raid

U.S. Immigration and Customs Enforcement launched the roundup last week at a manufacturing site that state officials have touted as Georgia’s largest economic development project.

“It’s really baffling to me why this raid would have occurred,” said Ben Armstrong, executive director of the Massachusetts Institute of Technology’s Industrial Performance Center. “The existence of these workers shouldn’t have been a surprise.”

U.S. immigration officials could have audited the workers’ documents without the drama, retired immigration lawyer Dan Kowalski said, adding that “raiding and arresting and putting them in chains and shackles is 100% performative.”

It had to do with “wanting to look tough — arresting as many foreigners as possible for the photo-op,” said Kowalski, who is now a writer and editor.

U.S. work visa categories make it a challenge to bring in foreign workers quickly and easily, said Kevin Miner, an immigration lawyer in Atlanta.

Some run on a highly competitive lottery system, are for seasonal workers and have a cap, or are restricted to managers and executives. Other short-term visas have strict limits on employment.

After meeting with Secretary of State Marco Rubio this week in Washington, South Korean Foreign Minister Cho Hyun said they agreed to set up a joint working group for discussions on creating a new visa category to make it easier for South Korean companies to send their staff to work in the United States.

Deputy Secretary of State Christopher Landau also plans to visit Seoul this weekend.

Calls for fixes to the US visa system

Hyundai’s “desire to get this thing up and running as quickly as possible ran head-on into the often time-consuming processes that the U.S. government requires in order to issue business visas,” said Branstetter of Carnegie Mellon.

U.S. authorities say those detained were “unlawfully working” at the plant. Charles Kuck, a lawyer representing several of the South Koreans who were detained, said the “vast majority” of the workers from South Korea were doing work authorized under a visa program.

Julia Gelatt, associate director of the U.S. immigration policy program at the Migration Policy Institute, said work visas — like nearly all other aspects of the U.S. immigration system — need reform.

“Our visa system does not envision this kind of scenario,” Gelatt said, of bringing in skilled foreign workers needed for the initial setup of factories. The U.S. has a few country-specific visa categories that make it easier to bring in certain foreign workers, like those from Mexico, Australia or Singapore.

“The goal,” said MIT’s Armstrong, “should be to make foreign direct investment as streamlined as possible.”

By Anne Snabes, MediaNews Group

Corewell Health leaders, doctors and other staff gathered on Monday to mark the groundbreaking of an estimated $75 million project to build a new ambulatory surgery center and medical office building across the street from William Beaumont University Hospital in Royal Oak.

Construction on the 89,000-square-foot facility will start in the next two weeks and is expected to take 18-24 months, ending in 2027, said Dr. Daniel Cary, president of William Beaumont University Hospital.

He said the facility at 3828 13 Mile Road, called the Corewell Health Care Center and located across the street from the main hospital, will include an ambulatory surgical center, which is a space for “less complicated surgeries” that can be safely done outside of the hospital. It will also include medical office space, including for primary care, behavioral health and digestive health.

“We’re really trying to create new access, because … the population is aging and we have more and more good therapies for conditions,” Cary said. “So we’re expanding access at this site.”

Lamont Yoder, president of Corewell Health East, said at a groundbreaking ceremony attended by more than several dozen people Monday morning that it’s “a momentous time for us.”

“We’re really trying to create new access, because … the population is aging and we have more and more good therapies for conditions,” Cary said. “So we’re expanding access at this site.”

Lamont Yoder, president of Corewell Health East, said at a groundbreaking ceremony attended by more than several dozen people Monday morning that it’s “a momentous time for us.”

Cary said the new ambulatory surgery center, also known as outpatient surgery, will be easy for patients to access ― there will be two entrances off of 13 Mile Road ― and they won’t have to enter the main William Beaumont University Hospital campus to have a surgery.

He said the surgeries that take place at the center will be “low complexity surgeries” that don’t require people to stay overnight, including orthopaedic, low-risk spine, gall bladder, appendix, and ear, nose and throat surgeries. The center will have four operating rooms and one procedure room.

Several residents expressed concerns about the project as it was going through the city of Royal Oak’s site plan approval process. Cary said neighbors on the north side of the development had concerns regarding the loss of trees during the project and a barrier between the facility and their homes.

“We really appreciate the neighbors and our own building team coming together to come with a design that everyone felt good about,” he said.

He said they came to a compromise about the number of trees that would be lost. Corewell Health will also be building a decorative wall, which will serve as a sound barrier between the facility and the neighbors.

Royal Oak Mayor Michael Fournier praised the project at the groundbreaking.

“I believe we stand here today because so many people truly care about making a difference in the lives of people they will never meet,” he said. “When this project is completed, we will awe at the technological, engineering and construction accomplishments. Let’s not forget the spirit of serving others that is responsible for taking an idea and making it a reality.”

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